:root {
  --ink: #17251e;
  --ink-soft: #405048;
  --muted: #6e7a73;
  --line: #dfe7e2;
  --surface: #ffffff;
  --canvas: #f3f6f4;
  --tint: #e9f4ee;
  --green: #15945f;
  --green-dark: #0c7147;
  --green-soft: #dff3e8;
  --gold: #d6a943;
  --red: #c85d54;
  --orange: #d8893f;
  --radius: 18px;
  --shadow: 0 18px 50px rgba(25, 49, 38, 0.08);
  --container: 1160px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--canvas);
  color: var(--ink);
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
body.nav-open { overflow: hidden; }
a { color: inherit; text-decoration: none; }
button, input, select { font: inherit; }
button, select { cursor: pointer; }
img { max-width: 100%; }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { line-height: 1.12; letter-spacing: -0.035em; }
h1 { font-size: clamp(2.65rem, 5.4vw, 5.1rem); }
h2 { font-size: clamp(2rem, 3.5vw, 3.2rem); }
h3 { font-size: 1.22rem; }
p { color: var(--ink-soft); }

.container { width: min(calc(100% - 40px), var(--container)); margin-inline: auto; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0; }
.skip-link { position: fixed; top: 10px; left: 10px; z-index: 1000; padding: 10px 14px; background: var(--ink); color: #fff; border-radius: 8px; transform: translateY(-150%); }
.skip-link:focus { transform: translateY(0); }
.eyebrow, .mini-label { margin-bottom: 12px; color: var(--green-dark); font-size: .75rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.mini-label { display: block; color: var(--muted); }
.button { display: inline-flex; min-height: 48px; align-items: center; justify-content: center; gap: 8px; padding: 12px 20px; border: 1px solid transparent; border-radius: 10px; font-weight: 750; line-height: 1.2; transition: transform .2s ease, background .2s ease, border-color .2s ease; }
.button:hover { transform: translateY(-1px); }
.button-primary { background: var(--green); color: #fff; }
.button-primary:hover { background: var(--green-dark); }
.button-secondary { border-color: var(--line); background: #fff; color: var(--ink); }
.text-link { display: inline-flex; align-items: center; gap: 9px; color: var(--green-dark); font-weight: 750; }
.text-link span { transition: transform .2s ease; }
.text-link:hover span { transform: translateX(4px); }

.site-header { position: sticky; top: 0; z-index: 50; border-bottom: 1px solid rgba(223,231,226,.9); background: rgba(255,255,255,.94); backdrop-filter: blur(14px); }
.header-inner { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.wordmark { display: inline-flex; align-items: center; gap: 10px; font-size: 1rem; font-weight: 780; letter-spacing: -.02em; white-space: nowrap; }
.wordmark strong { color: var(--green); }
.wordmark-mark { display: inline-flex; width: 34px; height: 34px; align-items: center; justify-content: center; border-radius: 10px; background: var(--green); color: #fff; font-weight: 850; }
.main-nav { display: flex; align-items: center; gap: 26px; }
.main-nav > a { font-size: .92rem; font-weight: 650; color: #415149; }
.main-nav > a:hover { color: var(--green-dark); }
.main-nav > .nav-application { min-height: 42px; padding: 10px 15px; color: #fff; white-space: nowrap; }
.main-nav > .nav-application:hover { color: #fff; }
.header-search { display: flex; min-width: 230px; border: 1px solid var(--line); border-radius: 10px; background: var(--canvas); overflow: hidden; }
.header-search input { min-width: 0; width: 100%; padding: 9px 12px; border: 0; outline: 0; background: transparent; color: var(--ink); }
.header-search button { width: 42px; border: 0; background: transparent; color: var(--green-dark); font-weight: 800; }
.nav-toggle { display: none; width: 44px; height: 44px; padding: 10px; border: 0; background: transparent; }
.nav-toggle > span:not(.sr-only) { display: block; width: 22px; height: 2px; margin: 5px auto; background: var(--ink); }

.hero-section { padding: 48px 0 42px; }
.hero-panel { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(340px, .8fr); min-height: 540px; overflow: hidden; border: 1px solid var(--line); border-radius: 28px; background: var(--surface); box-shadow: var(--shadow); }
.hero-copy { padding: clamp(44px, 7vw, 86px); }
.hero-copy h1 { max-width: 800px; margin-bottom: 24px; }
.hero-lead { max-width: 680px; margin-bottom: 34px; font-size: 1.18rem; }
.hero-search label { display: block; margin-bottom: 9px; font-size: .84rem; font-weight: 750; color: var(--ink); }
.search-control { display: flex; gap: 8px; padding: 6px; border: 1px solid var(--line); border-radius: 13px; background: var(--canvas); }
.search-control input { min-width: 0; flex: 1; padding: 12px 14px; border: 0; background: transparent; outline: none; color: var(--ink); }
.search-control button { padding: 12px 18px; border: 0; border-radius: 9px; background: var(--green); color: #fff; font-weight: 750; }
.hero-guide-panel { display: flex; flex-direction: column; justify-content: center; padding: 48px; background: var(--ink); color: #fff; }
.hero-guide-kicker { margin-bottom: 10px; color: #8fd5b2; font-size: .72rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.hero-guide-panel h2 { margin-bottom: 12px; color: #fff; font-size: clamp(1.75rem, 2.8vw, 2.45rem); }
.hero-guide-intro { margin-bottom: 24px; color: #b8c7bf; font-size: .93rem; }
.hero-goal-list { display: grid; gap: 8px; }
.hero-goal-list > a { display: flex; min-height: 62px; align-items: center; justify-content: space-between; gap: 20px; padding: 11px 14px 11px 16px; border: 1px solid rgba(255,255,255,.13); border-radius: 11px; background: rgba(255,255,255,.05); transition: border-color .2s ease, background .2s ease, transform .2s ease; }
.hero-goal-list > a:hover { transform: translateX(3px); border-color: rgba(143,213,178,.65); background: rgba(255,255,255,.09); }
.hero-goal-list span { display: grid; gap: 1px; }
.hero-goal-list strong { color: #fff; font-size: .9rem; line-height: 1.25; }
.hero-goal-list small { color: #9fb2a8; font-size: .72rem; }
.hero-goal-list b { color: #65cf98; font-size: 1.15rem; }
.hero-all-guides { display: inline-flex; align-items: center; justify-content: space-between; gap: 12px; margin-top: 22px; color: #dfe9e4; font-size: .82rem; font-weight: 750; }
.hero-all-guides span { color: #65cf98; transition: transform .2s ease; }
.hero-all-guides:hover span { transform: translateX(4px); }
.trust-strip { display: grid; grid-template-columns: repeat(3, 1fr); padding: 24px 34px; border: 1px solid var(--line); border-top: 0; border-radius: 0 0 18px 18px; background: #fff; }
.trust-strip div { display: flex; align-items: baseline; justify-content: center; gap: 9px; border-right: 1px solid var(--line); }
.trust-strip div:last-child { border: 0; }
.trust-strip strong { font-size: 1.25rem; color: var(--green-dark); }
.trust-strip span { color: var(--muted); font-size: .83rem; }

.section { padding: 86px 0; }
.tight-section { padding: 44px 0 10px; }
.section-tint { background: var(--tint); }
.section-heading { margin-bottom: 34px; }
.section-heading h2 { margin-bottom: 0; }
.section-heading > p:last-child { max-width: 700px; margin-top: 18px; }
.split-heading { display: flex; align-items: end; justify-content: space-between; gap: 30px; }
.narrow-heading { max-width: 760px; }
.card-grid { display: grid; gap: 18px; }
.loan-card-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.guide-card { position: relative; display: flex; min-height: 290px; flex-direction: column; padding: 28px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease; }
.guide-card:hover { transform: translateY(-3px); border-color: #bcd7c8; box-shadow: var(--shadow); }
.guide-card h3 { margin-bottom: 12px; font-size: 1.42rem; }
.guide-card p { margin-bottom: 24px; font-size: .94rem; }
.card-kicker { margin-bottom: 18px; color: var(--green-dark); font-size: .7rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.card-link { display: flex; align-items: center; justify-content: space-between; margin-top: auto; padding-top: 18px; border-top: 1px solid var(--line); color: var(--ink); font-size: .86rem; font-weight: 750; }
.card-link b { color: var(--green); }
.compact-card { min-height: 250px; }
.mini-facts { display: grid; gap: 6px; margin-bottom: 22px; color: var(--muted); font-size: .78rem; }
.mini-facts span::before { content: "•"; margin-right: 7px; color: var(--green); }

.state-feature { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(320px, .75fr); gap: 36px; align-items: stretch; }
.state-feature-copy { padding: 34px 0; }
.state-feature-copy > p:not(.eyebrow) { max-width: 650px; font-size: 1.08rem; }
.state-jump { max-width: 630px; margin-top: 34px; }
.state-jump label, .inline-state-jump label, .directory-tools label { display: block; margin-bottom: 8px; color: var(--ink); font-size: .82rem; font-weight: 750; }
.state-link-directory { max-width: 630px; margin-top: 16px; border: 1px solid #cfe0d6; border-radius: 12px; background: rgba(255,255,255,.72); overflow: hidden; }
.state-link-directory summary { position: relative; display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 14px 44px 14px 16px; color: var(--ink); cursor: pointer; font-size: .86rem; font-weight: 750; list-style: none; }
.state-link-directory summary::-webkit-details-marker { display: none; }
.state-link-directory summary::after { position: absolute; right: 16px; content: "+"; color: var(--green-dark); font-size: 1.25rem; font-weight: 500; }
.state-link-directory[open] summary::after { content: "−"; }
.state-link-directory summary span { color: var(--muted); font-size: .72rem; font-weight: 650; }
.state-link-directory nav { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 0 14px; padding: 12px 16px 16px; border-top: 1px solid #d8e7de; }
.state-link-directory nav a { padding: 6px 0; color: var(--green-dark); font-size: .79rem; font-weight: 650; }
.state-link-directory nav a:hover { text-decoration: underline; text-underline-offset: 3px; }
.state-jump > div, .inline-state-jump > div { display: flex; gap: 8px; }
.state-jump select, .inline-state-jump select { min-width: 0; flex: 1; padding: 13px 14px; border: 1px solid #cbdad1; border-radius: 10px; background: #fff; color: var(--ink); }
.state-jump button, .inline-state-jump button { padding: 13px 18px; border: 0; border-radius: 10px; background: var(--green); color: #fff; font-weight: 750; }
.state-feature-card { padding: 34px; border-radius: 22px; background: var(--ink); color: #fff; box-shadow: var(--shadow); }
.state-feature-card .mini-label { color: #9fb0a7; }
.check-list { margin: 0 0 28px; padding: 0; list-style: none; }
.check-list li { padding: 13px 0 13px 30px; border-bottom: 1px solid rgba(255,255,255,.12); position: relative; }
.check-list li::before { content: "✓"; position: absolute; left: 0; color: #6ed09c; font-weight: 800; }
.state-feature-card .button { width: 100%; }
.number-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 1px; overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius); background: var(--line); }
.number-grid article { padding: 26px 23px; background: #fff; }
.number-grid span { display: block; margin-bottom: 32px; color: var(--green); font-size: .75rem; font-weight: 800; }
.number-grid h3 { font-size: 1rem; }
.number-grid p { margin: 0; font-size: .85rem; }

.page-hero { padding: 82px 0; background: #fff; border-bottom: 1px solid var(--line); }
.compact-hero .container { max-width: 900px; margin-left: max(20px, calc((100vw - var(--container)) / 2)); }
.compact-hero h1 { max-width: 850px; margin-bottom: 22px; font-size: clamp(2.6rem, 5vw, 4.7rem); }
.compact-hero p:last-child { max-width: 760px; margin-bottom: 0; font-size: 1.15rem; }
.directory-section { padding-top: 58px; }
.directory-tools { display: flex; align-items: center; justify-content: space-between; gap: 20px; margin-bottom: 54px; padding: 20px 22px; border: 1px solid var(--line); border-radius: 14px; background: #fff; }
.directory-tools label { margin: 0; }
.directory-tools input { width: min(100%, 390px); padding: 11px 14px; border: 1px solid var(--line); border-radius: 9px; background: var(--canvas); outline: 0; }
.directory-tools input:focus { border-color: var(--green); box-shadow: 0 0 0 3px rgba(21,148,95,.12); }
.directory-group { margin-bottom: 64px; }
.directory-group[hidden], [data-filter-card][hidden] { display: none !important; }
.group-heading { display: flex; align-items: baseline; justify-content: space-between; gap: 20px; margin-bottom: 22px; padding-bottom: 14px; border-bottom: 1px solid var(--line); }
.group-heading h2 { margin: 0; font-size: 1.65rem; }
.group-heading span { color: var(--muted); font-size: .84rem; }
.empty-filter { padding: 34px; border: 1px dashed #c8d4cc; border-radius: 14px; text-align: center; }

.breadcrumbs { display: flex; align-items: center; gap: 9px; padding-top: 24px; padding-bottom: 24px; color: var(--muted); font-size: .79rem; overflow-x: auto; white-space: nowrap; }
.breadcrumbs a:hover { color: var(--green-dark); }
.article-hero, .state-hero { padding: 54px 0 66px; border-bottom: 1px solid var(--line); background: #fff; }
.article-hero-grid, .state-hero-grid { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(300px, .7fr); gap: 64px; align-items: end; }
.article-hero h1, .state-hero h1 { margin-bottom: 20px; font-size: clamp(2.7rem, 5vw, 4.9rem); }
.article-deck, .state-hero-grid > div > p:last-child { max-width: 760px; margin-bottom: 20px; font-size: 1.17rem; }
.article-meta { display: flex; gap: 18px; color: var(--muted); font-size: .78rem; }
.decision-card, .regulator-card { padding: 28px; border-radius: var(--radius); background: var(--ink); color: #fff; }
.decision-card h2, .regulator-card h2 { margin-bottom: 17px; font-size: 1.45rem; letter-spacing: -.025em; }
.decision-card p, .regulator-card p { margin: 0; color: #c4d0c9; font-size: .9rem; }
.decision-card .mini-label, .regulator-card .mini-label { color: #9fb1a7; }
.regulator-card a { display: inline-flex; gap: 8px; color: #7ad0a2; font-weight: 750; }
.article-section { padding: 68px 0 92px; }
.article-layout { display: grid; grid-template-columns: 220px minmax(0, 760px); gap: 72px; justify-content: center; align-items: start; }
.article-toc { position: sticky; top: 108px; display: grid; gap: 9px; padding: 20px; border: 1px solid var(--line); border-radius: 14px; background: #fff; }
.article-toc strong { margin-bottom: 5px; font-size: .82rem; }
.article-toc a { color: var(--muted); font-size: .82rem; }
.article-toc a:hover { color: var(--green-dark); }
.prose { min-width: 0; }
.prose > section { scroll-margin-top: 110px; margin: 0 0 74px; }
.prose h2 { margin-bottom: 22px; font-size: clamp(1.8rem, 3vw, 2.55rem); }
.prose h3 { letter-spacing: -.015em; }
.prose p { font-size: 1.04rem; line-height: 1.78; }
.fact-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; margin-bottom: 64px; overflow: hidden; border: 1px solid var(--line); border-radius: 14px; background: var(--line); }
.fact-row div { padding: 22px; background: #fff; }
.fact-row span { display: block; margin-bottom: 6px; color: var(--muted); font-size: .75rem; text-transform: uppercase; letter-spacing: .08em; }
.fact-row strong { font-size: .95rem; }
.fact-row.three-facts { grid-template-columns: repeat(3, 1fr); margin-top: 34px; }
.fact-row.three-facts strong { display: block; line-height: 1.45; }
.steps-list { display: grid; gap: 0; margin: 0; padding: 0; list-style: none; counter-reset: none; }
.steps-list li { display: grid; grid-template-columns: 54px 1fr; gap: 12px; padding: 19px 0; border-bottom: 1px solid var(--line); }
.steps-list li > span { color: var(--green); font-size: .77rem; font-weight: 800; letter-spacing: .08em; }
.steps-list li p { margin: 0; font-size: .98rem; }
.do-dont-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.do-card, .dont-card { padding: 25px; border-radius: 15px; }
.do-card { background: var(--green-soft); }
.dont-card { background: #f8e7e5; }
.do-card h3 { color: #126c46; }
.dont-card h3 { color: #9b423c; }
.do-dont-grid ul, .plain-list { margin: 0; padding-left: 20px; }
.do-dont-grid li, .plain-list li { margin-bottom: 12px; color: var(--ink-soft); }
.plain-list { display: grid; grid-template-columns: 1fr 1fr; gap: 4px 28px; margin-bottom: 28px; }
.callout { margin-top: 27px; padding: 23px 25px; border-left: 4px solid var(--green); border-radius: 0 12px 12px 0; background: #edf5f0; }
.callout strong { display: block; margin-bottom: 6px; }
.callout p { margin: 0; font-size: .94rem; }
.callout-risk { border-color: var(--red); background: #f9e9e7; }
.callout-caution { border-color: var(--gold); background: #faf4e4; }
.question-list { border-top: 1px solid var(--line); }
.question-list > div { display: grid; grid-template-columns: 42px 1fr; gap: 12px; padding: 17px 0; border-bottom: 1px solid var(--line); }
.question-list span { display: inline-flex; width: 26px; height: 26px; align-items: center; justify-content: center; border-radius: 50%; background: var(--green-soft); color: var(--green-dark); font-size: .74rem; font-weight: 800; }
.question-list p { margin: 0; font-weight: 650; font-size: .97rem; }
.inline-state-jump { margin-top: 28px; padding: 23px; border: 1px solid var(--line); border-radius: 14px; background: #fff; }
.sources-section { padding-top: 32px; border-top: 1px solid var(--line); }
.sources-section ul { padding: 0; list-style: none; }
.sources-section li { border-bottom: 1px solid var(--line); }
.sources-section a { display: flex; justify-content: space-between; padding: 15px 0; color: var(--green-dark); font-weight: 700; }

.state-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.state-card { display: grid; grid-template-columns: 54px 1fr auto; gap: 16px; align-items: center; padding: 20px; border: 1px solid var(--line); border-radius: 14px; background: #fff; transition: border .2s ease, transform .2s ease; }
.state-card:hover { transform: translateY(-2px); border-color: #a9cdb9; }
.state-code { display: inline-flex; width: 48px; height: 48px; align-items: center; justify-content: center; border-radius: 12px; background: var(--green-soft); color: var(--green-dark); font-size: .82rem; font-weight: 850; }
.state-card h2 { margin: 0 0 5px; font-size: 1.04rem; letter-spacing: -.015em; }
.state-card p { margin: 0; color: var(--muted); font-size: .72rem; line-height: 1.35; }
.state-card > span:last-child { color: var(--green); font-weight: 800; }
.status-panel { display: grid; grid-template-columns: minmax(300px, .8fr) minmax(0, 1.2fr); gap: 40px; align-items: center; padding: 31px; border-radius: 18px; background: #fff; border: 1px solid var(--line); }
.status-panel h2 { margin: 0; font-size: 1.6rem; }
.status-panel > p { margin: 0; }
.status-panel .eyebrow { margin: 0 0 7px; }
.status-dot { float: left; width: 10px; height: 10px; margin: 5px 10px 0 0; border-radius: 50%; background: var(--green); }
.status-risk .status-dot { background: var(--red); }
.status-caution .status-dot { background: var(--gold); }
.review-note { padding: 12px 4px; color: var(--muted); font-size: .75rem; }
.regulator-inline { display: flex; align-items: center; justify-content: space-between; gap: 24px; margin-top: 26px; padding: 23px; border: 1px solid var(--line); border-radius: 14px; background: #fff; }
.regulator-inline strong { display: block; }
.legal-note { margin-top: 20px; color: var(--muted); font-size: .83rem !important; }

.state-seo-article .prose > section { padding-top: 2px; }
.article-application-card { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 30px; align-items: center; margin: -18px 0 74px; padding: 30px; border-radius: 18px; background: var(--ink); color: #fff; box-shadow: var(--shadow); }
.article-application-card h2 { margin-bottom: 10px; color: #fff; font-size: 1.55rem; }
.article-application-card p { max-width: 600px; margin: 0; color: #b9c9c0; font-size: .91rem; line-height: 1.58; }
.article-application-card .mini-label { color: #8fb8a2; }
.article-application-card .button { white-space: nowrap; }
.rule-check-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 30px 0; }
.rule-check-grid > div { display: grid; grid-template-columns: 36px 1fr; gap: 10px; padding: 20px; border: 1px solid var(--line); border-radius: 13px; background: #fff; }
.rule-check-grid span { color: var(--green); font-size: .72rem; font-weight: 850; letter-spacing: .08em; }
.rule-check-grid p { margin: 0; font-size: .9rem; line-height: 1.55; }
.cost-breakdown { margin-top: 30px; border-top: 1px solid var(--line); }
.cost-breakdown article { display: grid; grid-template-columns: 48px 1fr; gap: 12px; padding: 22px 0; border-bottom: 1px solid var(--line); }
.cost-breakdown article > span { color: var(--green); font-size: .74rem; font-weight: 850; }
.cost-breakdown h3 { margin-bottom: 6px; font-size: 1.04rem; letter-spacing: -.01em; }
.cost-breakdown p { margin: 0; font-size: .91rem; line-height: 1.55; }
.warning-list { display: grid; gap: 10px; }
.warning-list > div { display: grid; grid-template-columns: 34px 1fr; gap: 12px; padding: 18px 20px; border: 1px solid #edd3cf; border-radius: 13px; background: #fff8f7; }
.warning-list span { display: inline-flex; width: 26px; height: 26px; align-items: center; justify-content: center; border-radius: 50%; background: #f3d8d4; color: #9b423c; font-size: .78rem; font-weight: 900; }
.warning-list p { margin: 0; font-size: .93rem; line-height: 1.57; }
.alternative-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.alternative-grid article { min-height: 154px; padding: 22px; border: 1px solid var(--line); border-radius: 14px; background: #fff; }
.alternative-grid span { display: block; margin-bottom: 18px; color: var(--green); font-size: .72rem; font-weight: 850; }
.alternative-grid p { margin: 0; font-size: .9rem; line-height: 1.55; }
.faq-section details { border-bottom: 1px solid var(--line); }
.faq-section details:first-of-type { border-top: 1px solid var(--line); }
.faq-section summary { display: flex; justify-content: space-between; gap: 24px; padding: 21px 0; color: var(--ink); font-weight: 750; cursor: pointer; list-style: none; }
.faq-section summary::-webkit-details-marker { display: none; }
.faq-section summary span { color: var(--green); font-size: 1.15rem; }
.faq-section details[open] summary span { transform: rotate(45deg); }
.faq-section details p { padding: 0 42px 22px 0; font-size: .94rem; line-height: 1.65; }

.global-application-cta { padding: 72px 0; background: #e2f2e9; border-top: 1px solid #cee4d7; }
.application-cta-panel { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 60px; align-items: center; padding: 42px 48px; border: 1px solid #c6dfd0; border-radius: 22px; background: #fff; box-shadow: var(--shadow); }
.application-cta-panel h2 { margin-bottom: 12px; font-size: clamp(1.9rem, 3.2vw, 2.8rem); }
.application-cta-panel p:not(.eyebrow) { max-width: 720px; margin: 0; }
.application-cta-action { display: grid; gap: 10px; min-width: 250px; }
.application-cta-action small { max-width: 260px; color: var(--muted); font-size: .7rem; line-height: 1.45; text-align: center; }
.application-placeholder code { padding: 2px 6px; border-radius: 5px; background: var(--green-soft); color: var(--green-dark); }
.application-placeholder .button { margin-top: 8px; }

.search-hero .hero-search { max-width: 680px; margin-top: 30px; }
.compact-search label { color: var(--ink); }
.search-results { display: grid; gap: 12px; max-width: 840px; }
.search-result { display: block; padding: 26px; border: 1px solid var(--line); border-radius: 15px; background: #fff; }
.search-result > span { color: var(--green-dark); font-size: .72rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.search-result h2 { margin: 8px 0 11px; font-size: 1.35rem; }
.search-result p { margin-bottom: 13px; }
.search-result b { color: var(--green-dark); font-size: .84rem; }
.empty-state { padding: 42px; border: 1px dashed #c8d4cc; border-radius: 16px; text-align: center; }
.empty-state > div { display: flex; justify-content: center; gap: 10px; margin-top: 22px; }
.methodology-grid { display: grid; grid-template-columns: minmax(0, 740px) minmax(320px, 420px); gap: 72px; align-items: start; }
.source-library { display: grid; gap: 10px; }
.source-library > h2 { font-size: 1.5rem; }
.source-library > a { padding: 20px; border: 1px solid var(--line); border-radius: 13px; background: #fff; }
.source-library strong { display: block; line-height: 1.35; }
.source-library p { margin: 8px 0; font-size: .82rem; }
.source-library span { color: var(--green-dark); font-size: .78rem; font-weight: 750; }
.not-found { display: grid; min-height: 65vh; place-items: center; padding: 70px 0; text-align: center; }
.not-found span { color: var(--green); font-size: 1rem; font-weight: 850; letter-spacing: .14em; }
.not-found h1 { margin: 12px 0; font-size: clamp(2.4rem, 5vw, 4.3rem); }
.not-found p { margin-bottom: 28px; }
.not-found div div { display: flex; gap: 10px; justify-content: center; }

.site-footer { padding: 58px 0 24px; background: var(--ink); color: #fff; }
.footer-grid { display: grid; grid-template-columns: 1.2fr .7fr 1.1fr; gap: 60px; padding-bottom: 42px; }
.footer-brand { margin-bottom: 13px; font-size: 1.2rem; font-weight: 800; }
.site-footer h2 { margin-bottom: 15px; color: #a8b9b0; font-size: .72rem; letter-spacing: .1em; text-transform: uppercase; }
.site-footer p { color: #aebdb5; font-size: .84rem; }
.site-footer a { display: block; margin: 8px 0; color: #d9e2dd; font-size: .86rem; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.13); color: #8fa198; font-size: .75rem; }

@media (max-width: 1200px) {
  .header-search { display: none; }
}

@media (max-width: 980px) {
  .main-nav { gap: 17px; }
  .hero-panel { grid-template-columns: 1fr; }
  .hero-guide-panel { padding: 44px; }
  .loan-card-grid { grid-template-columns: repeat(2, 1fr); }
  .number-grid { grid-template-columns: repeat(3, 1fr); }
  .state-grid { grid-template-columns: repeat(2, 1fr); }
  .article-layout { grid-template-columns: 1fr; max-width: 800px; }
  .article-toc { position: static; display: flex; flex-wrap: wrap; gap: 8px 16px; }
  .article-toc strong { flex-basis: 100%; }
  .methodology-grid { grid-template-columns: 1fr; }
  .application-cta-panel { grid-template-columns: 1fr; gap: 28px; }
  .application-cta-action { justify-items: start; }
  .application-cta-action small { text-align: left; }
}

@media (max-width: 760px) {
  .container { width: min(calc(100% - 28px), var(--container)); }
  .nav-toggle { display: block; }
  .main-nav { position: fixed; inset: 76px 0 auto; display: none; padding: 24px 20px 30px; border-bottom: 1px solid var(--line); background: #fff; box-shadow: 0 20px 40px rgba(0,0,0,.08); }
  .main-nav.is-open { display: grid; }
  .main-nav > a { padding: 8px 0; font-size: 1.05rem; }
  .main-nav > .nav-application { justify-self: stretch; padding: 13px 18px; color: #fff; }
  .main-nav .header-search { display: flex; }
  .hero-section { padding-top: 20px; }
  .hero-panel { border-radius: 20px; }
  .hero-copy { padding: 36px 24px 40px; }
  .hero-copy h1 { font-size: clamp(2.55rem, 13vw, 4.1rem); }
  .search-control { display: grid; }
  .search-control button { min-height: 48px; }
  .hero-guide-panel { padding: 34px 24px; }
  .hero-goal-list > a { min-height: 60px; }
  .trust-strip { grid-template-columns: 1fr; padding: 17px 22px; }
  .trust-strip div { justify-content: space-between; padding: 9px 0; border-right: 0; border-bottom: 1px solid var(--line); }
  .section { padding: 62px 0; }
  .tight-section { padding: 30px 0 0; }
  .split-heading { display: block; }
  .split-heading .text-link { margin-top: 18px; }
  .loan-card-grid, .state-grid { grid-template-columns: 1fr; }
  .guide-card { min-height: auto; }
  .state-feature { grid-template-columns: 1fr; }
  .state-feature-copy { padding: 0; }
  .state-jump > div, .inline-state-jump > div { display: grid; }
  .state-link-directory nav { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .number-grid { grid-template-columns: 1fr; }
  .number-grid article { display: grid; grid-template-columns: 38px 1fr; gap: 0 10px; }
  .number-grid span { grid-row: span 2; margin: 2px 0 0; }
  .number-grid h3 { margin-bottom: 6px; }
  .page-hero { padding: 54px 0; }
  .compact-hero .container { margin-inline: auto; }
  .directory-tools { display: block; margin-bottom: 38px; }
  .directory-tools label { margin-bottom: 10px; }
  .directory-tools input { width: 100%; }
  .article-hero, .state-hero { padding: 36px 0 44px; }
  .article-hero-grid, .state-hero-grid { grid-template-columns: 1fr; gap: 30px; }
  .article-section { padding: 42px 0 66px; }
  .article-toc { overflow-x: auto; flex-wrap: nowrap; white-space: nowrap; }
  .article-toc strong { display: none; }
  .fact-row, .fact-row.three-facts, .do-dont-grid { grid-template-columns: 1fr; }
  .plain-list { grid-template-columns: 1fr; }
  .prose > section { margin-bottom: 56px; }
  .status-panel { grid-template-columns: 1fr; gap: 15px; padding: 24px; }
  .regulator-inline { align-items: stretch; flex-direction: column; }
  .regulator-inline .button { width: 100%; }
  .article-application-card { grid-template-columns: 1fr; margin-bottom: 56px; padding: 25px; }
  .article-application-card .button { width: 100%; }
  .rule-check-grid, .alternative-grid { grid-template-columns: 1fr; }
  .alternative-grid article { min-height: auto; }
  .global-application-cta { padding: 48px 0; }
  .application-cta-panel { padding: 28px 24px; }
  .application-cta-action, .application-cta-action .button { width: 100%; }
  .empty-state > div { flex-direction: column; }
  .footer-grid { grid-template-columns: 1fr; gap: 30px; }
  .footer-bottom { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition: none !important; }
}