:root {
  --navy-900: #061632;
  --navy-800: #0b1f3a;
  --navy-700: #15315a;
  --navy-600: #1f4682;
  --orange-500: #ff7a1a;
  --orange-600: #e8650a;
  --white: #ffffff;
  --cream: #fbfaf6;
  --paper: #f4f1ea;
  --gray-100: #eef0f4;
  --gray-200: #d9dde4;
  --gray-400: #8a93a3;
  --gray-700: #3a4253;
  --gray-900: #111827;
  --shadow-card: 0 1px 2px rgba(11,31,58,.06), 0 8px 24px rgba(11,31,58,.06);
  --radius: 14px;
  --radius-sm: 8px;
  --max: 1180px;
}
* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
html { -webkit-text-size-adjust: 100%; }
body {
  font-family: 'Inter', system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, sans-serif;
  font-size: 17px;
  line-height: 1.6;
  color: var(--gray-900);
  background: var(--cream);
}
a { color: var(--navy-700); text-decoration: none; }
a:hover { color: var(--orange-600); text-decoration: underline; }
img { max-width: 100%; height: auto; display: block; }

h1, h2, h3, h4 { font-family: 'Archivo', 'Inter', system-ui, sans-serif; color: var(--navy-900); letter-spacing: -0.01em; line-height: 1.15; margin: 0 0 .5em; }
h1 { font-size: clamp(2rem, 4.2vw, 3.4rem); font-weight: 900; }
h2 { font-size: clamp(1.5rem, 2.6vw, 2rem); font-weight: 800; margin-top: 1.6em; }
h3 { font-size: 1.2rem; font-weight: 700; margin-top: 1.2em; }
p, li { font-size: 1.05rem; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 24px; }

.skip-link { position: absolute; left: -9999px; }
.skip-link:focus { left: 1rem; top: 1rem; background: var(--navy-900); color: var(--white); padding: .5rem 1rem; border-radius: 6px; z-index: 100; }

/* Header */
.site-header { background: var(--navy-900); color: var(--white); border-bottom: 4px solid var(--orange-500); }
.site-header a { color: var(--white); }
.header-row { display: flex; align-items: center; gap: 24px; padding: 14px 24px; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none !important; }
.brand-mark { background: var(--orange-500); color: var(--navy-900); font-family: 'Archivo'; font-weight: 900; padding: 6px 10px; border-radius: 6px; letter-spacing: .04em; font-size: 1rem; }
.brand-name { font-family: 'Archivo'; font-weight: 800; font-size: 1.15rem; letter-spacing: -.01em; }
.primary-nav { flex: 1; }
.primary-nav ul { list-style: none; display: flex; gap: 22px; margin: 0; padding: 0; }
.primary-nav a { font-weight: 600; font-size: .98rem; opacity: .92; }
.primary-nav a:hover { color: var(--orange-500); opacity: 1; text-decoration: none; }

/* Buttons */
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 12px 22px; border-radius: 999px; font-weight: 700; font-family: 'Archivo'; letter-spacing: .01em; transition: transform .08s ease, background .12s ease; cursor: pointer; }
.btn-orange { background: var(--orange-500); color: var(--navy-900) !important; }
.btn-orange:hover { background: var(--orange-600); color: var(--white) !important; text-decoration: none !important; }
.btn-ghost { background: transparent; color: var(--white) !important; border: 2px solid rgba(255,255,255,.4); }
.btn-ghost:hover { background: rgba(255,255,255,.08); text-decoration: none !important; }
.btn-outline { background: transparent; color: var(--navy-700) !important; border: 2px solid var(--navy-700); }
.btn-outline:hover { background: var(--navy-700); color: var(--white) !important; text-decoration: none !important; }
.btn-sm { padding: 8px 16px; font-size: .9rem; }
.btn-lg { padding: 16px 28px; font-size: 1.05rem; }

/* Hero */
.hero { background: linear-gradient(180deg, var(--navy-900), var(--navy-800)); color: var(--white); padding: 60px 0 80px; }
.hero h1, .hero h2 { color: var(--white); }
.hero a { color: var(--white); }
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 50px; align-items: center; }
.eyebrow { text-transform: uppercase; letter-spacing: .12em; font-size: .82rem; color: var(--orange-500); font-weight: 700; margin: 0 0 12px; }
.hero .lede { font-size: 1.2rem; opacity: .92; max-width: 540px; margin: 0 0 28px; }
.hero-cta { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 36px; }
.hero-stats { list-style: none; display: flex; gap: 32px; padding: 0; margin: 0; }
.hero-stats li { display: flex; flex-direction: column; }
.hero-stats strong { font-family: 'Archivo'; font-weight: 900; font-size: 2rem; color: var(--orange-500); }
.hero-stats span { font-size: .85rem; opacity: .8; text-transform: uppercase; letter-spacing: .08em; }
.hero-art { position: relative; }
.hero-art img { border-radius: 24px; box-shadow: 0 30px 60px rgba(0,0,0,.4); }
.hero-badge { position: absolute; bottom: -16px; right: -8px; background: var(--orange-500); color: var(--navy-900); font-family: 'Archivo'; font-weight: 900; padding: 14px 18px; border-radius: 12px; line-height: 1.1; box-shadow: 0 12px 30px rgba(0,0,0,.3); }
.hero-badge span { font-weight: 700; font-size: .82rem; }

/* Page hero (interior pages) */
.page-hero { background: linear-gradient(180deg, var(--navy-900), var(--navy-800)); color: var(--white); padding: 50px 0 56px; }
.page-hero h1, .page-hero a { color: var(--white); }
.page-hero .lede { font-size: 1.15rem; opacity: .9; max-width: 700px; }
.crumbs { font-size: .9rem; opacity: .8; margin-bottom: 12px; }
.crumbs a:hover { color: var(--orange-500); text-decoration: none; }

/* Sections */
.section { padding: 60px 0; }
.section-header { text-align: center; max-width: 720px; margin: 0 auto 40px; }
.section-header h2 { margin-top: 0; }

/* Endorsement & state grids */
.endorsement-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 18px; }
.end-card { background: var(--white); border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow-card); border: 1px solid var(--gray-100); display: flex; flex-direction: column; gap: 8px; transition: transform .12s ease, box-shadow .12s ease; }
.end-card:hover { transform: translateY(-2px); text-decoration: none; box-shadow: 0 4px 8px rgba(11,31,58,.08), 0 16px 32px rgba(11,31,58,.10); }
.end-code { display: inline-block; background: var(--navy-900); color: var(--orange-500); font-family: 'Archivo'; font-weight: 800; padding: 4px 10px; border-radius: 6px; font-size: .8rem; letter-spacing: .08em; align-self: flex-start; }
.end-card h3 { margin: 4px 0; font-size: 1.15rem; }
.end-card p { color: var(--gray-700); margin: 0; font-size: .95rem; }
.end-meta { color: var(--orange-600); font-weight: 700; font-size: .9rem; margin-top: 8px; }

.state-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(140px, 1fr)); gap: 10px; }
.state-grid-lg { grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); gap: 14px; }
.state-chip { background: var(--white); border-radius: 10px; padding: 12px 14px; box-shadow: var(--shadow-card); display: flex; align-items: center; gap: 10px; border: 1px solid var(--gray-100); transition: transform .1s ease; font-size: .95rem; }
.state-chip:hover { transform: translateY(-1px); text-decoration: none; }
.state-chip-lg { flex-direction: column; align-items: flex-start; padding: 16px; }
.state-abbr { background: var(--navy-900); color: var(--orange-500); font-family: 'Archivo'; font-weight: 800; padding: 4px 8px; border-radius: 6px; font-size: .75rem; }
.state-name { font-weight: 600; color: var(--navy-900); }
.state-fee { font-size: .85rem; color: var(--gray-700); margin-top: 6px; }

/* Two-column layout */
.two-col { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 40px; align-items: flex-start; }
.prose { background: var(--white); padding: 36px 40px; border-radius: var(--radius); box-shadow: var(--shadow-card); border: 1px solid var(--gray-100); }
.prose-wide { max-width: none; padding: 40px 48px; }
.prose h2 { color: var(--navy-900); }
.prose p, .prose li { color: var(--gray-700); }
.prose a { color: var(--navy-700); text-decoration: underline; text-underline-offset: 3px; }
.tips-list { padding-left: 20px; }
.tips-list li { margin-bottom: 10px; }
.fee-list { padding-left: 0; list-style: none; }
.fee-list li { padding: 8px 0; border-bottom: 1px solid var(--gray-100); }
.link-list { padding-left: 0; list-style: none; }
.link-list li { padding: 6px 0; border-bottom: 1px solid var(--gray-100); }
.link-list li:last-child { border-bottom: none; }
.link-list a { color: var(--navy-700); font-weight: 500; }

.sidebar { display: flex; flex-direction: column; gap: 18px; position: sticky; top: 24px; }
.sidebar-card { background: var(--white); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow-card); border: 1px solid var(--gray-100); }
.sidebar-card h3 { margin-top: 0; font-size: 1rem; text-transform: uppercase; letter-spacing: .08em; color: var(--navy-700); }
.sidebar-card dl { margin: 0; }
.sidebar-card dt { font-size: .8rem; text-transform: uppercase; letter-spacing: .06em; color: var(--gray-400); margin-top: 12px; }
.sidebar-card dd { margin: 4px 0 0; font-weight: 600; color: var(--navy-900); }

/* Quiz */
.quiz { list-style: none; padding: 0; display: grid; gap: 18px; }
.quiz-card { background: var(--white); border-radius: var(--radius); padding: 28px 32px; box-shadow: var(--shadow-card); border: 1px solid var(--gray-100); border-left: 4px solid var(--orange-500); }
.quiz-num { font-family: 'Archivo'; font-weight: 800; color: var(--orange-600); text-transform: uppercase; font-size: .82rem; letter-spacing: .1em; margin-bottom: 10px; }
.quiz-q { font-size: 1.2rem; margin: 0 0 18px; }
.quiz-choices { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.quiz-choices li { background: var(--paper); border-radius: 10px; padding: 12px 16px; display: flex; align-items: center; gap: 12px; border: 1.5px solid transparent; }
.quiz-choices li.is-correct { background: rgba(11,31,58,.04); border-color: var(--navy-700); }
.choice-letter { background: var(--white); border: 1.5px solid var(--gray-200); width: 28px; height: 28px; border-radius: 50%; font-family: 'Archivo'; font-weight: 800; color: var(--navy-900); display: inline-flex; align-items: center; justify-content: center; font-size: .9rem; flex-shrink: 0; }
.is-correct .choice-letter { background: var(--orange-500); color: var(--navy-900); border-color: var(--orange-500); }
.choice-text { flex: 1; }
.choice-tag { font-size: .75rem; background: var(--orange-500); color: var(--navy-900); padding: 2px 8px; border-radius: 999px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; }
.quiz-explain { margin-top: 16px; padding: 14px 16px; background: var(--navy-900); color: var(--white); border-radius: 10px; }
.quiz-explain summary { cursor: pointer; font-weight: 700; color: var(--orange-500); }
.quiz-explain p { margin: 10px 0 0; color: var(--white); opacity: .92; }
.quiz-source { font-size: .85rem; opacity: .75; }
.quiz-source a { color: var(--orange-500); }
.quiz-ad-slot { padding: 30px; text-align: center; color: var(--gray-400); font-size: .8rem; }

/* Articles */
.article-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 18px; }
.article-card { background: var(--white); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow-card); border: 1px solid var(--gray-100); display: flex; flex-direction: column; gap: 10px; transition: transform .12s ease; }
.article-card:hover { transform: translateY(-2px); text-decoration: none; }
.article-card time { font-size: .8rem; color: var(--gray-400); text-transform: uppercase; letter-spacing: .08em; }
.article-card h3 { margin: 0; font-size: 1.1rem; }
.read-more { color: var(--orange-600); font-weight: 700; font-size: .9rem; }

/* Trust section */
.section-trust { background: var(--paper); }
.trust-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.trust-list { list-style: none; padding: 0; display: grid; gap: 14px; }
.trust-list li { background: var(--white); padding: 16px 20px; border-radius: 10px; border-left: 4px solid var(--orange-500); }

/* State callout */
.state-callout { background: var(--paper); }

/* Related resources */
.related-resources { padding: 60px 24px; background: var(--white); border-top: 1px solid var(--gray-100); }
.related-title { font-size: 1.4rem; }
.related-sub { color: var(--gray-700); margin: 0 0 24px; }
.related-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 18px; }
.related-card { padding: 18px 20px; background: var(--paper); border-radius: 10px; border: 1px solid var(--gray-100); }
.related-card h3 { margin: 0 0 8px; font-size: 1.02rem; }
.related-card h3 a { color: var(--navy-700); }
.related-card p { font-size: .92rem; color: var(--gray-700); margin: 0; }

/* FAQ */
.faq-item { background: var(--white); border-radius: 10px; padding: 18px 22px; margin-bottom: 10px; box-shadow: var(--shadow-card); border: 1px solid var(--gray-100); }
.faq-item summary { font-weight: 700; cursor: pointer; color: var(--navy-900); font-family: 'Archivo'; font-size: 1.05rem; }
.faq-item p { color: var(--gray-700); margin: 12px 0 0; }

/* Footer */
.site-footer { background: var(--navy-900); color: var(--white); padding: 60px 0 30px; margin-top: 30px; }
.site-footer a { color: rgba(255,255,255,.85); }
.site-footer a:hover { color: var(--orange-500); text-decoration: none; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,.1); }
.footer-grid h4 { color: var(--orange-500); font-size: .85rem; text-transform: uppercase; letter-spacing: .1em; margin: 0 0 14px; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid li { margin-bottom: 6px; font-size: .92rem; }
.brand-footer .brand-name { color: var(--white); }
.footer-tag { font-size: .92rem; opacity: .75; max-width: 320px; margin-top: 14px; }
.disclaimer { font-size: .8rem; opacity: .6; margin-top: 14px; }
.footer-bottom { padding-top: 22px; font-size: .85rem; opacity: .65; }

@media (max-width: 880px) {
  .hero-grid, .trust-grid, .two-col, .footer-grid { grid-template-columns: 1fr; }
  .footer-grid { gap: 28px; }
  .primary-nav { display: none; }
  .header-row { gap: 12px; }
  .sidebar { position: static; }
  .prose { padding: 24px; }
}