:root{
  --ink:#0f1720; --ink-2:#33414f; --muted:#64748b; --line:#e2e8f0; --bg:#f7f9fc; --card:#ffffff;
  --brand:#0b5cad; --brand-2:#0d7a5f; --accent:#c2410c; --warn:#b45309; --radius:14px;
  --shadow:0 1px 2px rgba(15,23,32,.06),0 8px 24px rgba(15,23,32,.06);
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:16px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{line-height:1.25;margin:0 0 .5em}
h1{font-size:clamp(28px,4vw,44px);letter-spacing:-.02em}
h2{font-size:clamp(22px,3vw,30px);letter-spacing:-.01em;margin-top:1.6em}
h3{font-size:19px}
p{margin:0 0 1em}
small,.small{font-size:13.5px}
.muted{color:var(--muted)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.banner{background:#111827;color:#fff;font-size:13.5px;padding:8px 0}
.banner .wrap{display:flex;gap:14px;flex-wrap:wrap;align-items:center;justify-content:space-between}
.banner b{color:#fbbf24}
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
header.site .wrap{display:flex;align-items:center;gap:22px;min-height:72px}
.logo{display:flex;align-items:center;flex:0 0 auto;white-space:nowrap}
.logo img{height:48px;width:auto;display:block}
.logo span{color:var(--brand)}
nav.main{display:flex;gap:18px;flex-wrap:wrap;margin-left:auto;font-size:14.5px}
nav.main a{color:var(--ink-2)}
nav.main a.active{color:var(--brand);font-weight:600}
nav.main details.menu{position:relative}
nav.main details.menu > summary{cursor:pointer;color:var(--ink-2);list-style:none;display:flex;align-items:center;gap:4px}
nav.main details.menu > summary::-webkit-details-marker{display:none}
nav.main details.menu > summary.active{color:var(--brand);font-weight:600}
nav.main details.menu[open] > summary{color:var(--brand)}
nav.main .menu-panel{position:absolute;top:calc(100% + 10px);left:0;background:#fff;border:1px solid var(--line);border-radius:12px;
  box-shadow:0 10px 30px rgba(15,23,32,.12);padding:8px;min-width:190px;display:flex;flex-direction:column;gap:2px;z-index:60}
nav.main .menu-panel a{padding:8px 12px;border-radius:8px;white-space:nowrap}
nav.main .menu-panel a:hover{background:#f1f7ff;text-decoration:none}
.cta-top{background:var(--brand);color:#fff;padding:9px 16px;border-radius:999px;font-weight:600;font-size:14px;white-space:nowrap}
.cta-top:hover{background:#094a8c;text-decoration:none}
.hero{background:linear-gradient(160deg,#0b3c74 0%,#0b5cad 55%,#0d7a5f 130%);color:#fff;padding:64px 0 56px}
.hero h1{color:#fff;max-width:22ch}
.hero p.lead{font-size:19px;max-width:62ch;color:#dbeafe}
.hero .btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.btn{display:inline-block;padding:12px 20px;border-radius:10px;font-weight:600;cursor:pointer;border:1px solid transparent;font-size:15px}
.btn-primary{background:#fff;color:#0b3c74}
.btn-primary:hover{background:#e8f0fb;text-decoration:none}
.btn-ghost{border-color:rgba(255,255,255,.5);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.12);text-decoration:none}
.btn-solid{background:var(--brand);color:#fff}
.btn-solid:hover{background:#094a8c;text-decoration:none}
.btn-line{border-color:var(--line);background:#fff;color:var(--ink)}
.btn-line:hover{border-color:var(--brand);color:var(--brand);text-decoration:none}
section{padding:44px 0}
section.tight{padding:26px 0}
.grid{display:grid;gap:18px}
.g2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.g3{grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.g4{grid-template-columns:repeat(auto-fit,minmax(190px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow)}
.card h3{margin-top:0}
.card .kicker{font-size:12.5px;text-transform:uppercase;letter-spacing:.08em;color:var(--brand);font-weight:700;margin-bottom:6px}
.stat{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px}
.stat b{display:block;font-size:26px;letter-spacing:-.02em}
.stat small{color:var(--muted);display:block;margin-top:2px}
label{display:block;font-weight:600;font-size:14px;margin:14px 0 5px}
input,select,textarea{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:10px;font:inherit;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid #bfdbfe;border-color:var(--brand)}
.row{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(180px,1fr))}
.tool{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
.result{background:#f1f7ff;border:1px solid #cfe3f9;border-radius:12px;padding:16px;margin-top:16px}
.result h4{margin:0 0 8px}
table{width:100%;border-collapse:collapse;font-size:14.5px;margin:12px 0}
th,td{text-align:left;padding:9px 10px;border-bottom:1px solid var(--line);vertical-align:top}
th{font-size:12.5px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted)}
tbody tr:hover{background:#fbfdff}
td.num,th.num{text-align:right;font-variant-numeric:tabular-nums}
.pill{display:inline-block;padding:3px 10px;border-radius:999px;font-size:12.5px;font-weight:600;background:#eef6ee;color:#166534;border:1px solid #cfe9cf}
.pill.warn{background:#fff7ed;color:#9a3412;border-color:#fed7aa}
.pill.info{background:#eff6ff;color:#1d4ed8;border-color:#bfdbfe}
.note{border-left:4px solid var(--warn);background:#fffbeb;padding:12px 16px;border-radius:0 10px 10px 0;font-size:14px;margin:16px 0}
.disclaimer{font-size:12.5px;color:var(--muted);border-top:1px solid var(--line);margin-top:18px;padding-top:12px}
.capture{background:linear-gradient(150deg,#0b3c74,#0d7a5f);color:#fff;border-radius:var(--radius);padding:24px}
.capture h3{color:#fff;margin-top:0}
.capture input{background:rgba(255,255,255,.95)}
.capture label{color:#e8f0fb}
.capture .btn-primary{background:#fff;color:#0b3c74;width:100%;margin-top:14px}
.capture small{color:#cfe3f9}
footer.site{background:#0f1720;color:#cbd5e1;margin-top:50px;padding:40px 0 26px;font-size:14px}
footer.site a{color:#93c5fd}
footer.site .cols{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(210px,1fr))}
footer.site h4{color:#fff;font-size:14px;text-transform:uppercase;letter-spacing:.06em}
.nmls{font-size:12.5px;color:#94a3b8;border-top:1px solid #1e293b;margin-top:26px;padding-top:16px;display:flex;gap:18px;flex-wrap:wrap}
.eho{display:inline-flex;align-items:center;gap:7px;border:1px solid #334155;border-radius:6px;padding:3px 8px;font-size:11.5px}
.badge-row{display:flex;gap:12px;flex-wrap:wrap;align-items:center;margin:18px 0}
.district{border:1px solid var(--line);border-radius:12px;padding:16px;background:#fff}
.district.best{border-color:var(--brand-2);background:#f4fbf8}
ul.check{list-style:none;padding-left:0}
ul.check li{padding-left:28px;position:relative;margin-bottom:8px}
ul.check li:before{content:"✓";position:absolute;left:0;color:var(--brand-2);font-weight:700}
.bar{height:10px;border-radius:6px;background:#e2e8f0;overflow:hidden;margin-top:6px}
.bar > i{display:block;height:100%;background:var(--brand)}
.tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:14px}
.tabs button{padding:8px 14px;border-radius:999px;border:1px solid var(--line);background:#fff;font:inherit;font-size:14px;cursor:pointer}
.tabs button.on{background:var(--brand);color:#fff;border-color:var(--brand)}
@media print{header.site,footer.site,.banner,.cta-top,.no-print{display:none!important}body{background:#fff}}
@media (max-width:1120px){.logo img{height:40px}}
@media (max-width:820px){
  header.site .wrap{gap:12px;min-height:62px;flex-wrap:nowrap}
  .logo img{height:30px}
  nav.main{flex-wrap:nowrap;overflow-x:auto;margin-left:auto;gap:14px;font-size:13.5px;scrollbar-width:none}
  nav.main::-webkit-scrollbar{display:none}
  nav.main>a,nav.main>details{flex:0 0 auto}
  .cta-top{padding:7px 12px;font-size:13px}
}