:root{--ink:#10231C;--green:#0E7C5A;--green-d:#0A5C43;--mint:#E6F4EE;--coral:#FF6A3D;--coral-d:#E4521F;--paper:#FAFCFB;--line:#D5E3DC;--muted:#4F645B;--amber:#B26A00}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{margin:0;font:400 17px/1.6 "Public Sans",system-ui,sans-serif;color:var(--ink);background:var(--paper)}
h1,h2,h3{font-family:Sora,"Public Sans",sans-serif;line-height:1.18;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.1rem);font-weight:800}
h2{font-size:clamp(1.55rem,3vw,2.15rem);font-weight:700}
h3{font-size:1.1rem;font-weight:700}
p{margin:0 0 1em}
a{color:var(--green-d)}
.wrap{width:min(1160px,100% - 40px);margin:0 auto}
.narrow{width:min(820px,100% - 40px);margin:0 auto}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
:focus-visible{outline:3px solid var(--coral);outline-offset:2px}

/* header */
.top{position:sticky;top:0;z-index:50;background:rgba(250,252,251,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.top-in{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:68px}
.logo{display:flex;align-items:center;gap:10px;font:800 1.1rem Sora,sans-serif;color:var(--ink);text-decoration:none}
.logo-mark{background:var(--ink);color:#fff;padding:5px 9px;border-radius:8px;font-size:.95rem}
.logo-mark i{color:var(--coral);font-style:normal}
.nav{display:flex;align-items:center;gap:22px}
.nav a{color:var(--ink);text-decoration:none;font-weight:500;font-size:.95rem}
.nav a:hover{color:var(--green)}
.nav .btn{color:#fff}
.nav-btn{display:none;background:none;border:1.5px solid var(--ink);border-radius:8px;padding:7px 14px;font:600 .9rem inherit;color:var(--ink)}

/* buttons */
.btn{display:inline-block;border:0;border-radius:10px;padding:13px 24px;font:700 1rem "Public Sans",sans-serif;text-decoration:none;cursor:pointer;text-align:center;transition:background .15s}
.btn-coral{background:var(--coral);color:#fff}
.btn-coral:hover{background:var(--coral-d)}
.btn-ink{background:var(--ink);color:#fff}
.btn-ink:hover{background:var(--green-d)}
.btn-block{display:block;width:100%}
.link{font-weight:600;margin-left:20px}

/* hero */
.hero{padding:56px 0 64px;background:linear-gradient(180deg,var(--mint) 0,var(--paper) 100%)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:start}
.pill{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:99px;padding:5px 14px;font-size:.85rem;font-weight:600;color:var(--green-d)}
.lead{font-size:1.15rem;color:var(--muted);max-width:60ch}
.ticks{list-style:none;padding:0;margin:0 0 26px}
.ticks li{padding-left:30px;position:relative;margin:8px 0}
.ticks li::before{content:"";position:absolute;left:0;top:.45em;width:16px;height:10px;border-left:3px solid var(--green);border-bottom:3px solid var(--green);transform:rotate(-45deg) scale(.9)}
.hero-links{display:flex;align-items:center;flex-wrap:wrap;gap:6px}
.hero-state{padding:48px 0 40px}
.crumbs{font-size:.9rem;color:var(--muted)}

/* calculator */
.calc{background:var(--ink);color:#fff;border-radius:20px;padding:28px;box-shadow:0 24px 50px rgba(16,35,28,.25)}
.calc-title{font-size:1.35rem;margin-bottom:.2em}
.calc-sub{color:#B8CCC3;font-size:.92rem}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px 14px}
.calc label{display:block;font-size:.8rem;font-weight:600;color:#B8CCC3}
.calc .wide{grid-column:1/-1}
.calc input{display:block;width:100%;margin-top:4px;padding:11px 12px;border:1.5px solid #2D4A40;border-radius:9px;background:#18332A;color:#fff;font:500 1rem inherit}
.calc input:focus{outline:none;border-color:var(--coral)}
.calc-out{margin:20px 0 10px;padding:18px;border-radius:14px;background:#fff;color:var(--ink)}
.calc-main{display:flex;align-items:baseline;justify-content:space-between}
.calc-main span{font-weight:600;color:var(--muted)}
.calc-main b{font:800 2.6rem Sora,sans-serif}
.chip{display:inline-block;margin:4px 0 12px;padding:4px 12px;border-radius:99px;font-size:.85rem;font-weight:700;background:#D6F2E4;color:#0A5C43}
.chip.mid{background:#FFE9C2;color:#7A4A00}
.chip.low{background:#FFD9D0;color:#9E2B0E}
.calc-out dl{margin:0;display:grid;gap:8px}
.calc-out dl div{display:flex;justify-content:space-between;border-top:1px solid var(--line);padding-top:8px}
.calc-out dt{color:var(--muted)}
.calc-out dd{margin:0;font-weight:700}
.calc-note{font-size:.8rem;color:#B8CCC3}

/* strip */
.strip{background:var(--green);color:#fff}
.strip-in{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;padding:16px 0;text-align:center}
.strip p{margin:0;font-size:.95rem}
.strip b{font:800 1.25rem Sora,sans-serif;margin-right:4px}

/* sections */
.sec{padding:72px 0}
.sec-mint{background:var(--mint)}
.sec-lead{color:var(--muted);max-width:62ch}
.fine{font-size:.82rem;color:var(--muted);margin-top:18px}

/* deals */
.deals{display:grid;grid-template-columns:280px 1fr;gap:24px;margin-top:26px}
.deal-tabs{display:flex;flex-direction:column;gap:8px}
.deal-tabs button{text-align:left;background:#fff;border:1.5px solid var(--line);border-radius:12px;padding:12px 16px;font:inherit;color:var(--ink);cursor:pointer}
.deal-tabs button b{display:block;font-family:Sora,sans-serif;font-size:.98rem}
.deal-tabs button span{font-size:.85rem;color:var(--muted)}
.deal-tabs button[aria-selected="true"]{border-color:var(--green);background:var(--mint);box-shadow:inset 4px 0 0 var(--green)}
.deal{background:#fff;border:1.5px solid var(--line);border-radius:18px;padding:28px}
.deal[hidden]{display:none}
.deal-ratio span{font-weight:600;color:var(--muted)}
.deal-ratio b{display:block;font:800 3.4rem/1 Sora,sans-serif;margin:4px 0 20px}
.scale{position:relative;height:10px;background:var(--mint);border-radius:99px;margin-bottom:34px}
.scale .fill{position:absolute;left:0;top:0;bottom:0;background:var(--green);border-radius:99px}
.scale u{position:absolute;top:-4px;width:2px;height:18px;background:var(--ink);text-decoration:none}
.scale em{position:absolute;top:22px;left:50%;transform:translateX(-50%);font:600 .75rem "Public Sans",sans-serif;font-style:normal;color:var(--muted)}
.deal-facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:14px;margin:0 0 16px}
.deal-facts dt{font-size:.8rem;color:var(--muted)}
.deal-facts dd{margin:2px 0 0;font-weight:700}
.deal-note{margin:0;color:var(--muted);border-top:1px solid var(--line);padding-top:14px}

/* process, audience */
.split{display:grid;grid-template-columns:1fr 1.2fr;gap:56px;align-items:start}
.steps{list-style:none;margin:0;padding:0 0 0 34px;border-left:3px solid var(--green)}
.steps li{position:relative;padding:0 0 26px 20px}
.steps li:last-child{padding-bottom:0}
.steps li::before{content:"";position:absolute;left:-44px;top:4px;width:16px;height:16px;border-radius:50%;background:var(--coral);border:3px solid var(--mint)}
.steps p{margin:0;color:var(--muted)}
.who{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:0;border-top:1.5px solid var(--ink)}
.who div{padding:22px 24px 22px 0;border-bottom:1px solid var(--line)}
.who p{margin:0;color:var(--muted)}

/* state finder */
.finder-bar{display:flex;flex-wrap:wrap;gap:14px;justify-content:space-between;align-items:center;margin:22px 0 18px}
.rtabs{display:flex;flex-wrap:wrap;gap:8px}
.rtabs button{border:1.5px solid var(--green);background:#fff;color:var(--green-d);border-radius:99px;padding:7px 16px;font:600 .9rem inherit;cursor:pointer}
.rtabs button[aria-pressed="true"]{background:var(--green);color:#fff}
#s-search{padding:11px 14px;border:1.5px solid var(--line);border-radius:10px;font:inherit;min-width:230px;background:#fff}
.chips{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:10px}
.chips a{background:#fff;border:1px solid var(--line);border-radius:10px;padding:10px 14px;text-decoration:none;font-weight:600;color:var(--ink)}
.chips a:hover{border-color:var(--coral);color:var(--coral-d)}
.chips a[hidden]{display:none}

/* details */
.myths,.faq{border-top:1.5px solid var(--ink);margin-top:20px}
details{border-bottom:1px solid var(--line);padding:16px 0}
summary{font:600 1.05rem Sora,sans-serif;cursor:pointer;list-style:none;position:relative;padding-right:30px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:4px;top:-2px;font-size:1.5rem;color:var(--green)}
details[open] summary::after{content:"\2212"}
details p{margin:10px 0 0;color:var(--muted)}

/* CTA */
.cta{display:flex;align-items:center;justify-content:space-between;gap:24px;background:var(--ink);color:#fff;border-radius:22px;padding:40px 44px}
.cta h2{margin-bottom:.2em}
.cta p{margin:0;color:#B8CCC3}

/* state page */
.mk{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:22px}
.mk div{border-left:4px solid var(--coral);padding-left:16px}
.mk p,.watch p{margin:0;color:var(--muted)}
.watch div{margin-bottom:18px}
.ticks.dark li{color:var(--ink)}

/* forms */
.form{display:grid;grid-template-columns:1fr 1fr;gap:14px 18px;margin-top:22px}
.form label{font-weight:600;font-size:.9rem}
.form .wide,.form .btn{grid-column:1/-1}
.form input,.form select,.form textarea{display:block;width:100%;margin-top:5px;padding:12px;border:1.5px solid var(--line);border-radius:10px;font:inherit;background:#fff}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--green)}
.hp{position:absolute;left:-9999px}
.err{background:#FFE9E3;border:1px solid #F5B7A6;border-radius:10px;padding:12px 16px;color:#8A2610}
.err p{margin:0}

/* footer */
.foot{background:var(--ink);color:#C8D8D0;padding:52px 0 28px;font-size:.92rem}
.foot a{color:#fff}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:32px}
.foot-brand{font:800 1.2rem Sora,sans-serif;color:#fff;margin-bottom:.3em}
.foot-h{font-weight:700;color:#fff;margin-bottom:.4em}
.legal{border-top:1px solid #2D4A40;margin-top:30px;padding-top:20px;font-size:.8rem;color:#9FB5AB}

@media(max-width:900px){
 .hero-grid,.split,.deals{grid-template-columns:1fr}
 .deal-tabs{flex-direction:row;overflow-x:auto;padding-bottom:6px}
 .deal-tabs button{min-width:190px}
 .strip-in{grid-template-columns:1fr 1fr}
 .cta{flex-direction:column;align-items:flex-start;padding:30px 26px}
 .foot-grid{grid-template-columns:1fr}
}
@media(max-width:820px){
 .nav-btn{display:block}
 .nav{display:none;position:absolute;top:68px;left:0;right:0;background:var(--paper);flex-direction:column;align-items:flex-start;padding:18px 20px 24px;border-bottom:1px solid var(--line);gap:14px}
 .nav.open{display:flex}
}
@media(max-width:560px){.form,.calc-grid{grid-template-columns:1fr}.sec{padding:52px 0}.link{margin-left:0}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn{transition:none}}

/* additions: DSCR sections */
.strip-in{grid-template-columns:repeat(6,1fr)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start;margin-top:22px}
.two.lists{margin-top:36px;padding-top:30px;border-top:1px solid var(--line)}
.formula{background:var(--ink);color:#fff;border-radius:14px;padding:18px 22px;margin-top:20px}
.formula span{display:block;font:600 .9rem "Public Sans",sans-serif;color:#B8CCC3}
.formula b{font:800 1.4rem Sora,sans-serif}
.table-wrap{overflow-x:auto}
.spec,.cmp{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.spec th,.spec td,.cmp th,.cmp td{padding:12px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.spec th,.cmp tbody th{width:34%;font-weight:600;color:var(--muted)}
.cmp thead th{background:var(--ink);color:#fff;font-family:Sora,sans-serif}
.cmp thead th.us{background:var(--green)}
.cmp td.win{font-weight:700;color:var(--green-d)}
.bens{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:24px}
.bens div{background:#fff;border:1px solid var(--line);border-top:4px solid var(--green);border-radius:12px;padding:20px}
.bens p{margin:0;color:var(--muted);font-size:.95rem}
.snap{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line)}
.snap th,.snap td{padding:11px 16px;text-align:left;border-bottom:1px solid var(--line)}
.snap th{width:36%;color:var(--muted);font-weight:600}
@media(max-width:900px){.strip-in{grid-template-columns:repeat(3,1fr)}.two{grid-template-columns:1fr;gap:24px}.bens{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.strip-in{grid-template-columns:1fr 1fr}.bens{grid-template-columns:1fr}}