*{box-sizing:border-box;margin:0;padding:0}
:root{--green:#0b3d2e;--green2:#146b52;--gold:#ffd166;--gold2:#e8a100;--ink:#1a2b3c;--muted:#5b7186;--line:#e2ece6;--bg:#f6f9fc;--card:#ffffff}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.7;-webkit-font-smoothing:antialiased}
::selection{background:var(--gold);color:var(--ink)}
.wrap{max-width:960px;margin:0 auto;padding:0 18px}
header{background:rgba(11,61,46,.96);backdrop-filter:blur(8px);color:#fff;padding:13px 0;position:sticky;top:0;z-index:10;box-shadow:0 2px 18px rgba(11,61,46,.25)}
header .wrap{display:flex;justify-content:space-between;align-items:center}
.logo{font-weight:800;font-size:1.35rem;color:#fff;text-decoration:none;letter-spacing:-.02em}
.logo span{color:var(--gold)}
nav a{color:#d7efe4;margin-left:18px;text-decoration:none;font-size:.95rem;font-weight:600;transition:color .2s}
nav a:hover{color:var(--gold)}
.hero{background:radial-gradient(900px 320px at 50% -60px,rgba(255,209,102,.22),transparent 70%),linear-gradient(135deg,#072a20 0%,#0b3d2e 45%,#146b52 100%);color:#fff;padding:56px 0 44px;text-align:center;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background:repeating-linear-gradient(-45deg,transparent 0 14px,rgba(255,255,255,.025) 14px 15px);pointer-events:none}
.hero h1{font-size:2.15rem;margin-bottom:10px;letter-spacing:-.02em;line-height:1.25;position:relative}
.hero p{opacity:.93;max-width:660px;margin:0 auto;font-size:1.05rem;position:relative}
.hero .badge{background:rgba(255,209,102,.16);color:var(--gold);border:1px solid rgba(255,209,102,.4)}
.card{background:var(--card);border-radius:16px;box-shadow:0 8px 30px rgba(11,61,46,.09);padding:28px;margin:26px 0;border:1px solid rgba(226,236,230,.7);transition:transform .25s,box-shadow .25s}
a.card:hover,.blog-grid .card:hover{transform:translateY(-3px);box-shadow:0 14px 38px rgba(11,61,46,.14)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:640px){.grid2{grid-template-columns:1fr}.hero h1{font-size:1.55rem}.card{padding:20px}}
label{font-weight:600;font-size:.9rem;display:block;margin:12px 0 5px;color:#2c4356}
input,select{width:100%;padding:12px 13px;border:1.5px solid #d5e2dc;border-radius:10px;font-size:1rem;background:#fbfdfc;transition:border-color .2s,box-shadow .2s;color:var(--ink)}
input:focus,select:focus{outline:none;border-color:var(--green2);box-shadow:0 0 0 3px rgba(20,107,82,.15)}
button.calc{background:linear-gradient(180deg,#ffbe2e,#e8a100);color:#1a2b3c;font-weight:800;border:none;border-radius:12px;padding:15px;width:100%;font-size:1.12rem;margin-top:18px;cursor:pointer;box-shadow:0 6px 18px rgba(232,161,0,.35);transition:transform .15s,box-shadow .15s}
button.calc:hover{transform:translateY(-1px);box-shadow:0 9px 22px rgba(232,161,0,.45)}
button.calc:active{transform:translateY(1px)}
.results{display:none;margin-top:22px;animation:fadein .4s ease}
@keyframes fadein{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.big{font-size:2.3rem;font-weight:800;color:var(--green);letter-spacing:-.02em}
table{width:100%;border-collapse:separate;border-spacing:0;margin:16px 0;font-size:.95rem;border:1px solid var(--line);border-radius:12px;overflow:hidden}
th,td{padding:11px 12px;text-align:left}
th{background:#eaf3ee;color:var(--green);font-weight:700;font-size:.85rem;text-transform:uppercase;letter-spacing:.04em}
tr:nth-child(even) td{background:#fafcfb}
td{border-top:1px solid var(--line)}
.badge{display:inline-block;background:#e6f4ec;color:var(--green);border-radius:20px;padding:4px 13px;font-size:.8rem;font-weight:700;margin:2px 4px 2px 0}
h2{margin:30px 0 12px;color:var(--green);font-size:1.45rem;letter-spacing:-.015em;padding-left:12px;border-left:4px solid var(--gold2)}
h3{margin:20px 0 8px;color:#14532d;font-size:1.15rem}
p{margin:0 0 12px}
a{color:var(--green2)}
.takeaway{background:#f0f7f3;border:1px solid #cfe4d6;border-left:5px solid var(--green2);border-radius:10px;padding:14px 18px;margin:20px 0;font-size:.98rem}
.faq{margin:10px 0;border:1px solid #e0ece6;border-radius:12px;overflow:hidden;background:#fff;transition:box-shadow .2s}
.faq:hover{box-shadow:0 4px 14px rgba(11,61,46,.07)}
.faq summary{padding:14px 16px;font-weight:700;cursor:pointer;background:#fff;list-style:none;position:relative;padding-right:40px}
.faq summary::after{content:"+";position:absolute;right:16px;top:50%;transform:translateY(-50%);color:var(--gold2);font-size:1.3rem;font-weight:800}
.faq[open] summary::after{content:"\2212"}
.faq div{padding:0 16px 15px;color:#33475b}
footer{background:#072a20;color:#cfe8da;padding:34px 0;margin-top:44px;font-size:.9rem}
footer a{color:var(--gold);text-decoration:none;margin-right:14px}
footer a:hover{text-decoration:underline}
.disclaimer{background:#fff8e1;border-left:4px solid var(--gold2);padding:13px 17px;border-radius:10px;margin:20px 0;font-size:.9rem}
.states{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:10px;margin:16px 0}
.states a{background:#fff;border:1.5px solid #d5e2dc;border-radius:10px;padding:11px;text-align:center;text-decoration:none;color:var(--green);font-weight:600;transition:all .2s}
.states a:hover{border-color:var(--green2);background:#f0f7f3;transform:translateY(-2px)}
.postmeta{color:var(--muted);font-size:.88rem;margin-bottom:14px}
.cta{background:linear-gradient(135deg,#0b3d2e,#146b52);color:#fff;border-radius:16px;padding:30px;text-align:center;margin:32px 0;box-shadow:0 10px 30px rgba(11,61,46,.25)}
.cta h2{color:#fff;border:none;padding:0;margin:0 0 8px}
.cta a{background:linear-gradient(180deg,#ffbe2e,#e8a100);color:#1a2b3c;font-weight:800;padding:13px 30px;border-radius:11px;text-decoration:none;display:inline-block;margin-top:12px;box-shadow:0 6px 18px rgba(0,0,0,.25);transition:transform .15s}
.cta a:hover{transform:translateY(-2px)}
.blog-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:22px 0}
@media(max-width:640px){.blog-grid{grid-template-columns:1fr}}
.blog-grid .card{margin:0;display:flex;flex-direction:column}
.blog-grid .card h3{margin-top:0}
.blog-grid .card h3 a{color:var(--green);text-decoration:none}
.blog-grid .card h3 a:hover{color:var(--green2);text-decoration:underline}
.blog-grid .card p{color:var(--muted);font-size:.93rem;flex:1}
.readmore{font-weight:700;color:var(--gold2);text-decoration:none;font-size:.92rem}
.toc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin:20px 0}
.toc strong{display:block;margin-bottom:8px;color:var(--green)}
.toc ul{margin:0;padding-left:20px}
.toc li{margin:4px 0;font-size:.94rem}