:root{
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  color:#17233a;background:#f6f7f2;line-height:1.5
}
*{box-sizing:border-box}
body{margin:0;background:linear-gradient(180deg,#fbfcf8 0,#f4f6f1 100%);min-height:100vh}
a{color:inherit}
.site-header{
  width:min(1120px,calc(100% - 32px));margin:0 auto;min-height:76px;
  display:flex;align-items:center;justify-content:space-between;gap:20px;border-bottom:1px solid #e1e5dc
}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;text-decoration:none;letter-spacing:-.02em}
.brand-mark{
  display:grid;place-items:center;width:32px;height:32px;border-radius:10px;
  background:#17233a;color:#fff;font-size:1.25rem;font-weight:900
}
.header-note,.header-link{font-size:.86rem;color:#697283}
.header-link{text-decoration:none;font-weight:700}
.header-link:hover{text-decoration:underline}
.shell{width:min(960px,calc(100% - 32px));margin:0 auto;padding:76px 0 54px}
.breadcrumb{display:flex;gap:8px;align-items:center;margin-bottom:28px;color:#7a8392;font-size:.82rem}
.breadcrumb a{text-decoration:none}
.breadcrumb a:hover{text-decoration:underline}
.hero{max-width:810px;margin-bottom:34px}
.hero-compact h1{font-size:clamp(2.5rem,6vw,4.6rem)}
.eyebrow,.section-kicker{
  margin:0 0 10px;text-transform:uppercase;letter-spacing:.12em;font-size:.75rem;font-weight:800;color:#687260
}
.hero h1{
  font-size:clamp(2.7rem,7vw,5.2rem);line-height:.98;letter-spacing:-.055em;
  margin:.2rem 0 1.25rem;max-width:900px
}
.lede{font-size:1.16rem;color:#586275;max-width:730px;margin:0}
.card,.info-card,.featured-tool{
  background:#fff;border:1px solid #e1e5dc;border-radius:22px;
  box-shadow:0 16px 45px rgba(25,36,54,.055)
}
.calculator{padding:30px;margin-bottom:22px}
.card-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:18px;margin-bottom:25px}
.card-heading h2,.info-card h2,.coming-soon h2,.featured-tool h2,.content-section h2{
  margin:0;letter-spacing:-.035em;line-height:1.1
}
.data-badge{
  display:inline-flex;align-items:center;border-radius:999px;padding:7px 10px;
  background:#eef3e9;color:#43563b;font-size:.78rem;font-weight:800;white-space:nowrap
}
.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}
label{display:block;font-size:.88rem;font-weight:750;color:#39455a}
.input-wrap{
  display:flex;align-items:center;margin-top:8px;border:1px solid #d6dcd1;
  border-radius:12px;overflow:hidden;background:#fff;transition:border-color .15s,box-shadow .15s
}
.input-wrap:focus-within,select:focus{border-color:#87967d;box-shadow:0 0 0 3px rgba(104,126,92,.12)}
.input-wrap input{border:0;outline:0;padding:14px;width:100%;font:inherit;font-size:1rem;background:transparent}
.input-wrap span{padding:0 14px;color:#687386;white-space:nowrap}
select{
  width:100%;margin-top:8px;border:1px solid #d6dcd1;border-radius:12px;
  padding:14px;background:white;font:inherit;outline:none
}
.helper{display:block;margin-top:7px;font-size:.76rem;line-height:1.4;font-weight:500;color:#7a8392}
.validation{min-height:20px;margin-top:12px;font-size:.8rem;color:#8a4a34}
.results{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:30px}
.results-four{grid-template-columns:repeat(4,1fr)}
.results article{background:#f5f7f2;border:1px solid #e9ece5;border-radius:15px;padding:18px}
.results span,.results small{display:block;color:#727c8b;font-size:.78rem}
.results strong{display:block;margin:2px 0;font-size:1.9rem;letter-spacing:-.04em}
.detail-strip{
  display:grid;grid-template-columns:1fr 1fr;gap:1px;margin-top:12px;
  border:1px solid #e1e5dc;background:#e1e5dc;border-radius:14px;overflow:hidden
}
.detail-strip div{background:#fff;padding:15px 18px}
.detail-strip span{display:block;color:#7a8392;font-size:.75rem}
.detail-strip strong{display:block;margin-top:2px;font-size:.95rem}
.formula{margin:18px 0 0;color:#7b8492;font-size:.82rem}
.featured-tool{
  margin:22px 0;padding:26px;display:flex;align-items:center;justify-content:space-between;gap:28px
}
.featured-tool p:last-child{margin-bottom:0;color:#657083}
.primary-link{
  flex:0 0 auto;display:inline-flex;align-items:center;gap:8px;padding:12px 16px;border-radius:12px;
  background:#17233a;color:#fff;text-decoration:none;font-size:.9rem;font-weight:800
}
.primary-link:hover{opacity:.92}
.info-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:20px 0}
.info-card{padding:26px}
.info-card p:last-child,.coming-soon p:last-child{color:#657083;margin-bottom:0}
.coming-soon{padding:28px 4px 8px;max-width:760px}
.content-section{max-width:780px;padding:28px 4px 8px}
.content-section p{color:#657083}
.fine-print{font-size:.83rem}
.site-footer{
  width:min(1120px,calc(100% - 32px));margin:0 auto;padding:24px 0 34px;
  border-top:1px solid #e1e5dc;display:flex;justify-content:space-between;gap:20px;
  color:#7b8492;font-size:.8rem
}
@media(max-width:820px){
  .results-four{grid-template-columns:repeat(2,1fr)}
  .featured-tool{align-items:flex-start;flex-direction:column}
}
@media(max-width:680px){
  .site-header{min-height:64px}.header-note,.header-link{display:none}
  .shell{padding:46px 0 36px}.hero h1,.hero-compact h1{font-size:3.15rem}
  .grid,.results,.results-four,.info-grid,.detail-strip{grid-template-columns:1fr}
  .calculator,.info-card,.featured-tool{padding:20px}
  .site-footer{flex-direction:column;gap:6px}
}


.related-tools{padding:30px 4px 10px}
.related-tools>h2{margin:0 0 18px;letter-spacing:-.035em;line-height:1.1}
.tool-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.tool-grid a{
  display:flex;flex-direction:column;gap:5px;padding:18px;border:1px solid #e1e5dc;
  border-radius:15px;background:#fff;text-decoration:none;min-width:0
}
.tool-grid a:hover{border-color:#b8c0b3}
.tool-grid strong{letter-spacing:-.015em}
.tool-grid span{font-size:.82rem;color:#717b8b}
.all-tools-link{margin:16px 0 0;font-size:.9rem;font-weight:750}
.all-tools-link a{text-decoration:none}
.all-tools-link a:hover{text-decoration:underline}
.comparison-results{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:28px}
.comparison-results article{
  padding:22px;border:1px solid #e1e5dc;border-radius:16px;background:#f8f9f5
}
.comparison-results strong{display:block;font-size:2.1rem;letter-spacing:-.045em}
.comparison-results span{display:block;color:#727c8b;font-size:.82rem;margin-bottom:12px}
.comparison-results div{font-size:.9rem;color:#4f596b}
.difference-box{
  margin-top:14px;padding:20px;border-radius:16px;background:#17233a;color:#fff;
  display:grid;grid-template-columns:1fr auto;gap:2px 20px;align-items:center
}
.difference-box span{font-size:.82rem;opacity:.76}
.difference-box strong{font-size:1.55rem;letter-spacing:-.035em}
.difference-box small{grid-column:2;font-size:.78rem;opacity:.76}
.calculator-hub-intro{max-width:730px;margin-bottom:24px}
@media(max-width:820px){.tool-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:680px){
  .tool-grid,.comparison-results{grid-template-columns:1fr}
  .difference-box{grid-template-columns:1fr}
  .difference-box small{grid-column:1}
}


.state-rate-card{
  display:grid;grid-template-columns:minmax(220px,.65fr) 1.35fr;gap:1px;margin-bottom:24px;
  background:#e1e5dc;border:1px solid #e1e5dc;border-radius:22px;overflow:hidden;
  box-shadow:0 16px 45px rgba(25,36,54,.055)
}
.state-rate-card>div{background:#fff;padding:28px}
.state-rate{display:block;font-size:clamp(3rem,8vw,5rem);line-height:1;letter-spacing:-.06em}
.state-rate-card span{display:block;margin-top:5px;color:#717b8b}
.state-rate-note{display:flex;flex-direction:column;justify-content:center}
.state-rate-note p{margin:.45rem 0 0;color:#657083}
.state-section{max-width:none}
.bill-example-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:18px 0}
.bill-example-grid article{padding:18px;border:1px solid #e1e5dc;border-radius:15px;background:#fff}
.bill-example-grid strong,.bill-example-grid span{display:block}
.bill-example-grid span{margin-top:4px;color:#657083;font-size:.88rem}
.rate-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.rate-list-item{
  display:flex;align-items:center;justify-content:space-between;gap:18px;padding:16px 18px;
  border:1px solid #e1e5dc;border-radius:14px;background:#fff;text-decoration:none
}
.rate-list-item:hover{border-color:#b8c0b3}
.rate-list-item span{display:flex;align-items:baseline;gap:8px;min-width:0}
.rate-list-item small{color:#89919e}
.rate-list-item b{white-space:nowrap}
@media(max-width:680px){
  .state-rate-card,.bill-example-grid,.rate-list{grid-template-columns:1fr}
  .state-rate-card>div{padding:20px}
}


/* Refined calculator navigation cards */
.related-tools{
  margin:32px 0 14px;
  padding:26px;
  background:#f0f3ec;
  border:1px solid #e1e5dc;
  border-radius:20px;
}
.related-tools .section-kicker{margin-bottom:14px}
.related-tools .tool-grid{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:12px;
}
.related-tools .tool-grid a{
  position:relative;
  display:flex;
  flex-direction:column;
  justify-content:center;
  gap:4px;
  min-height:88px;
  padding:16px 48px 16px 18px;
  border:1px solid #dfe4da;
  border-radius:14px;
  background:#fff;
  text-decoration:none;
  box-shadow:0 4px 14px rgba(25,36,54,.035);
  transition:transform .15s ease,border-color .15s ease,box-shadow .15s ease;
}
.related-tools .tool-grid a::after{
  content:"→";
  position:absolute;
  right:18px;
  top:50%;
  transform:translateY(-50%);
  font-size:1.1rem;
  color:#87917f;
}
.related-tools .tool-grid a:hover{
  transform:translateY(-1px);
  border-color:#b9c3b3;
  box-shadow:0 8px 20px rgba(25,36,54,.07);
}
.related-tools .tool-grid strong{
  display:block;
  font-size:.98rem;
  line-height:1.25;
  letter-spacing:-.015em;
  text-decoration:none;
}
.related-tools .tool-grid span{
  display:block;
  margin:0;
  color:#737d8c;
  font-size:.8rem;
  line-height:1.35;
}
@media(max-width:680px){
  .related-tools{padding:18px}
  .related-tools .tool-grid{grid-template-columns:1fr}
}


/* Refined state rate directory */
.rate-directory{
  margin:30px 0;
  padding:26px;
  background:#f0f3ec;
  border:1px solid #e1e5dc;
  border-radius:22px;
}
.rate-directory-header{
  display:flex;
  align-items:flex-end;
  justify-content:space-between;
  gap:20px;
  margin-bottom:18px;
}
.rate-directory-header h2{
  margin:0;
  font-size:1.45rem;
  line-height:1.15;
  letter-spacing:-.035em;
}
.rate-directory-header>span{
  flex:0 0 auto;
  padding:7px 10px;
  border-radius:999px;
  background:#fff;
  border:1px solid #dfe4da;
  color:#697283;
  font-size:.78rem;
  font-weight:750;
}
.rate-directory .rate-list{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:10px;
}
.rate-directory .rate-list-item{
  position:relative;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:18px;
  min-height:68px;
  padding:14px 42px 14px 16px;
  border:1px solid #dfe4da;
  border-radius:14px;
  background:#fff;
  text-decoration:none;
  box-shadow:0 3px 12px rgba(25,36,54,.03);
  transition:transform .15s ease,border-color .15s ease,box-shadow .15s ease;
}
.rate-directory .rate-list-item::after{
  content:"›";
  position:absolute;
  right:15px;
  top:50%;
  transform:translateY(-52%);
  color:#9aa397;
  font-size:1.25rem;
}
.rate-directory .rate-list-item:hover{
  transform:translateY(-1px);
  border-color:#b9c3b3;
  box-shadow:0 7px 18px rgba(25,36,54,.065);
}
.rate-directory .rate-list-item>span{
  display:flex;
  flex-direction:column;
  align-items:flex-start;
  gap:3px;
  min-width:0;
}
.rate-directory .rate-list-item strong{
  font-size:.94rem;
  line-height:1.2;
}
.rate-directory .rate-list-item small{
  display:inline-flex;
  align-items:center;
  min-height:20px;
  padding:2px 7px;
  border-radius:999px;
  background:#f3f5f0;
  color:#727c8b;
  font-size:.68rem;
  font-weight:800;
  letter-spacing:.06em;
}
.rate-directory .rate-list-item b{
  white-space:nowrap;
  font-size:.91rem;
  font-variant-numeric:tabular-nums;
  color:#26354d;
}
@media(max-width:680px){
  .rate-directory{padding:18px}
  .rate-directory-header{align-items:flex-start;flex-direction:column}
  .rate-directory .rate-list{grid-template-columns:1fr}
}


/* Legal pages and expanded footer */
.legal-footer{
  display:block;
  padding-top:24px;
}
.footer-main{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:20px;
}
.footer-links{
  display:flex;
  flex-wrap:wrap;
  justify-content:flex-end;
  gap:10px 18px;
}
.footer-links a{
  color:#667083;
  text-decoration:none;
}
.footer-links a:hover{text-decoration:underline}
.footer-source{
  display:block;
  margin-top:10px;
  color:#89919e;
  font-size:.76rem;
}
.legal-hero{margin-bottom:26px}
.legal-content{
  max-width:800px;
  padding:30px;
  border:1px solid #e1e5dc;
  border-radius:20px;
  background:#fff;
  box-shadow:0 12px 34px rgba(25,36,54,.045);
}
.legal-content h2{
  margin:30px 0 8px;
  font-size:1.2rem;
  letter-spacing:-.025em;
}
.legal-content h2:first-child{margin-top:0}
.legal-content p{
  margin:0 0 14px;
  color:#596476;
}
.legal-content a{font-weight:700}
.contact-note{
  margin:18px 0 28px;
  padding:18px;
  border:1px solid #dfe4da;
  border-radius:14px;
  background:#f5f7f2;
}
.contact-note p{margin:6px 0 0}
@media(max-width:680px){
  .footer-main{align-items:flex-start;flex-direction:column}
  .footer-links{justify-content:flex-start}
  .legal-content{padding:20px}
}