:root{--navy:#10263d;--ink:#18344c;--muted:#566879;--blue:#215bed;--pale:#eef3f8;--mint:#c5efda;--line:#d7e0e8}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:25px}body{margin:0;font:16px/1.7 Arial,Helvetica,sans-serif;color:var(--ink);background:#fff}a{color:inherit;text-underline-offset:4px}h1,h2,h3,p{margin:0}h1,h2,h3{line-height:1.07;letter-spacing:-.045em}h1{font-size:clamp(44px,5.3vw,76px);max-width:740px;margin:25px 0}h2{font-size:clamp(31px,3.7vw,48px);margin:18px 0 26px}h3{font-size:25px;margin:18px 0}p{color:var(--muted)}p+p{margin-top:18px}.wrap{width:min(1240px,calc(100% - 80px));margin:auto}.top{background:var(--navy);color:#c4d4df;font-size:10px;letter-spacing:1.4px;padding:10px 0}.top .wrap{display:flex;justify-content:space-between}header{display:flex;align-items:center;justify-content:space-between;gap:25px;padding:26px 0;border-bottom:1px solid var(--line)}.brand{display:flex;gap:12px;align-items:center;text-decoration:none;font-weight:700;font-size:11px;letter-spacing:1px;line-height:1.4}.mark{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;background:var(--navy);color:white;font-size:31px;letter-spacing:-4px;padding-right:4px}.mark span{color:var(--mint)}nav{display:flex;gap:25px;font-size:12px}nav a{text-decoration:none}.button{display:inline-flex;align-items:center;justify-content:space-between;gap:20px;background:var(--blue);color:white;border:0;text-decoration:none;padding:17px 22px;font:600 14px/1.4 Arial;cursor:pointer}.button:hover{background:#1744b7}.button:disabled{opacity:.6}.small{font-size:12px;padding:12px 16px}.eyebrow{font-size:10px;letter-spacing:1.8px;font-weight:700}.hero{display:grid;grid-template-columns:1.15fr .85fr;gap:8%;padding:42px 0 70px;align-items:start}.hero-copy{padding-top:15px}.lead{font-size:20px;line-height:1.6;max-width:650px}.hero-note{display:flex;align-items:center;gap:15px;margin:30px 0}.note-mark{background:var(--mint);height:44px;width:44px;display:grid;place-items:center;font-size:24px}.hero-note p{font-size:13px}.hero-note strong{color:var(--ink)}.proof{display:flex;flex-wrap:wrap;gap:12px 22px;padding-top:23px;border-top:1px solid var(--line);font-size:11px;color:var(--muted)}.form-panel{border:1px solid var(--line);border-top:4px solid var(--blue);background:var(--pale);padding:26px 30px;min-width:0;scroll-margin-top:20px}.form-top{display:flex;justify-content:space-between;font-size:9px;letter-spacing:1.2px}.form-panel h2{font-size:35px;margin:16px 0}.form-panel>p{font-size:13px;margin-bottom:20px}label{display:block;font-size:12px;font-weight:600;margin:14px 0 6px}input,select{display:block;width:100%;min-width:0;max-width:100%;padding:12px;border:1px solid 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p{font-size:11px}.bordered{border-top:1px solid var(--line)}.bordered .button{margin-top:25px}.breadcrumb{display:flex;gap:10px;padding-top:24px;font-size:11px;color:var(--muted);flex-wrap:wrap}.article-layout{display:grid;grid-template-columns:260px 1fr;gap:80px;padding:45px 0 70px;border-top:1px solid var(--line);align-items:start}.contents{position:sticky;top:25px}.contents a{display:block;font-size:12px;padding:13px 0;border-bottom:1px solid var(--line);text-decoration:none}.contents .eyebrow{display:block;margin-bottom:15px}article section{padding:25px 0 35px;border-bottom:1px solid var(--line)}article section:first-child{padding-top:0}article h2{font-size:34px;line-height:1.16}article p{line-height:1.85}.checklist{padding:30px!important;background:var(--pale);margin-top:30px}.checklist h2{font-size:30px}.checklist li{padding:7px 0}.checklist p{font-size:13px}.source,.byline{font-size:12px;margin:20px 0}.faq{display:grid;grid-template-columns:1fr 1.2fr;gap:12%;padding:65px 0;border-top:1px solid var(--line)}.faq details{border-bottom:1px solid var(--line);padding:20px 0}.faq summary{list-style:none;display:flex;justify-content:space-between;gap:15px;font-weight:600;cursor:pointer}.faq details p{font-size:14px;margin-top:16px}.closing{padding:65px 0 80px;border-top:1px solid var(--line)}footer{background:var(--navy);color:white;padding:55px 0 20px}footer .mark{background:#24435d}footer p{margin-top:24px;color:#bacbd8;font-size:14px}.footer-grid{display:grid;grid-template-columns:1.2fr 1fr .8fr;gap:65px}footer h3{font-size:16px;letter-spacing:0;margin:0 0 20px}footer a:not(.brand){display:block;color:#c9d7e2;text-decoration:none;font-size:12px;margin:10px 0}.footer-bottom{font-size:10px;color:#a8bdcf;border-top:1px solid #3f566a;margin-top:40px;padding-top:20px}.narrow{max-width:820px}.narrow h2:not(:first-child){margin-top:40px}.narrow li{padding:6px 0}.calculator{display:grid;grid-template-columns:1fr 1fr;gap:70px;background:var(--pale);padding:40px}.calc-output{background:var(--navy);color:white;padding:35px;align-self:start}.calc-output>span{font-size:10px;letter-spacing:1.5px;color:var(--mint)}.calc-output p{color:#c3d4e3;font-size:13px;margin-top:25px}.calc-output strong{display:block;font-size:clamp(28px,3vw,42px);color:var(--mint);overflow-wrap:anywhere}.calc-output .button{margin-top:30px}.table-scroll{overflow-x:auto}table{width:100%;border-collapse:collapse}th,td{text-align:left;padding:15px;border-bottom:1px solid var(--line)}[hidden]{display:none!important}.skip{position:absolute;left:-10000px}.skip:focus{left:12px;top:12px;background:white;padding:12px;z-index:10}:focus-visible{outline:3px solid #74a4ef;outline-offset:4px}.menu,.mobile-cta{display:none}
@media(max-width:1000px){.wrap{width:calc(100% - 48px)}header nav{display:none}.menu{display:block;font-size:13px;border-bottom:1px solid var(--line)}.menu summary{padding:12px 0;cursor:pointer}.menu nav{padding:10px 0 20px;flex-wrap:wrap}.hero{gap:5%;grid-template-columns:1fr 1fr}.hero h1{font-size:53px}.cards{grid-template-columns:repeat(2,1fr)}.article-layout{gap:35px;grid-template-columns:210px 1fr}.calculator{gap:30px}.footer-grid{gap:30px}}
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@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.card{transition:none}}


/* LOCAL COVERAGE */
.local-content{padding-top:40px;padding-bottom:48px;max-width:940px;line-height:1.75}.local-content h2{font-size:clamp(26px,3.3vw,38px);line-height:1.2;margin:32px 0 18px}.local-content h3{font-size:23px;margin:24px 0 14px}.local-content p{margin:0 0 18px}.local-content ul,.local-content ol{padding-left:24px;margin:18px 0}.local-content li{margin-bottom:10px}.local-content a,.local-coverage a,.local-footer a{text-decoration:underline;text-underline-offset:4px}.local-content a:focus-visible,.local-coverage a:focus-visible,.local-location summary:focus-visible,.local-faq summary:focus-visible{outline:3px solid currentColor;outline-offset:5px}.local-coverage{display:grid;grid-template-columns:1fr 1fr;gap:40px;padding-top:40px;padding-bottom:45px;border-top:1px solid #c7cdd4;line-height:1.7}.local-coverage h2{font-size:clamp(27px,3.2vw,38px);line-height:1.2;margin:12px 0 20px}.local-coverage p{margin-bottom:18px}.local-footer{padding-top:25px;padding-bottom:35px;line-height:1.6;font-size:14px}.local-footer p{margin-top:10px;max-width:750px}.local-location{margin:15px 0 20px;line-height:1.5}.local-location summary{cursor:pointer;font-size:13px;padding:8px 0;font-weight:600}.local-location label{display:block;margin-top:10px;font-size:13px}.local-location input{width:100%;box-sizing:border-box;margin-top:6px}.local-location p{font-size:12px!important;line-height:1.5;margin-top:8px!important;margin-bottom:8px!important}.local-faq{padding:18px 0;border-bottom:1px solid #c7cdd4}.local-faq summary{font-size:17px;font-weight:600;cursor:pointer;line-height:1.5}.local-faq p{margin:14px 0 0}header nav{flex-wrap:wrap;row-gap:10px}@media(max-width:760px){.local-coverage{grid-template-columns:1fr;gap:12px}.local-content{padding-top:25px;padding-bottom:30px}.local-footer{padding-bottom:75px}}

/* SEARCH IMPROVEMENTS */
.search-table{max-width:100%;overflow-x:auto;margin:24px 0;border:1px solid var(--line)}.article-layout article{min-width:0}.search-table table{border-collapse:collapse;width:100%;font-size:14px;line-height:1.6}.search-table th,.search-table td{text-align:left;padding:16px;vertical-align:top;border-bottom:1px solid var(--line);min-width:150px}.search-table th{background:var(--pale);color:var(--ink)}.search-table tr:last-child td{border-bottom:0}.brief-template{padding:24px;background:var(--pale);border-left:3px solid var(--blue);margin:22px 0}article ol{padding-left:24px}article li{margin:12px 0}@media(max-width:680px){.search-table th,.search-table td{padding:12px;min-width:140px}.brief-template{padding:18px}}