:root{--ink:#0f172a;--muted:#475569;--line:#e2e8f0;--bg:#f8fafc;--brand:#1d4ed8;--brand-2:#1e40af;--soft:#eff6ff;--ok:#047857;--warn:#b45309;--r:12px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.6 ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Inter,Arial,sans-serif;color:var(--ink);background:#fff}
a{color:var(--brand)}a:hover{color:var(--brand-2)}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
.site-header{border-bottom:1px solid var(--line);background:#fff}
.hdr{display:flex;align-items:center;justify-content:space-between;height:62px;gap:16px}
.logo{display:flex;align-items:center;gap:8px;text-decoration:none;color:var(--ink);font-weight:600;font-size:18px;letter-spacing:-.01em}.logo b{color:var(--brand)}
.hdr nav a{white-space:nowrap;margin-left:20px;text-decoration:none;color:var(--muted);font-weight:500;font-size:15px}nav a:hover{color:var(--ink)}
.hero{background:linear-gradient(180deg,var(--soft),#fff);border-bottom:1px solid var(--line);padding:56px 0 40px}
.eyebrow{display:inline-block;background:#dbeafe;color:var(--brand-2);font-size:13px;font-weight:600;padding:4px 10px;border-radius:99px;margin:0 0 14px}
h1{font-size:clamp(30px,4.4vw,46px);line-height:1.12;letter-spacing:-.025em;margin:0 0 14px}
h2{font-size:24px;letter-spacing:-.015em;line-height:1.25;margin:36px 0 12px}h3{font-size:18px;margin:0 0 8px}
.lede{font-size:19px;color:var(--muted);max-width:760px;margin:0 0 22px}
.btn{display:inline-block;background:var(--brand);color:#fff;border:0;border-radius:10px;padding:12px 18px;font-weight:600;font-size:15px;text-decoration:none;cursor:pointer}
.btn:hover{background:var(--brand-2);color:#fff}.btn-ghost{background:#fff;color:var(--brand);border:1px solid #bfdbfe}.btn-ghost:hover{background:var(--soft);color:var(--brand-2)}
.hero-actions{display:flex;gap:10px;flex-wrap:wrap}
.stats{list-style:none;padding:0;margin:32px 0 0;display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.stats li{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:14px 16px}.stats b{display:block;font-size:24px}.stats span{color:var(--muted);font-size:13px}
.table-head{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;flex-wrap:wrap}.table-head h2{margin-bottom:8px}
.filters{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:8px}
.chip{border:1px solid var(--line);background:#fff;border-radius:99px;padding:6px 12px;font-size:14px;cursor:pointer;color:var(--muted)}.chip.is-on{background:var(--ink);color:#fff;border-color:var(--ink)}
.hint{color:var(--muted);font-size:14px;margin:4px 0 12px}
.table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r)}
table.fees{border-collapse:collapse;width:100%;font-size:14.5px;min-width:860px}
.fees th,.fees td{padding:10px 12px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.fees thead th{background:var(--bg);font-size:13px;text-transform:uppercase;letter-spacing:.03em;color:var(--muted);position:sticky;top:0;cursor:pointer;white-space:nowrap;user-select:none}
.fees thead th[data-sort]::after{content:" ↕";opacity:.4}.fees thead th[aria-sort=ascending]::after{content:" ↑";opacity:1}.fees thead th[aria-sort=descending]::after{content:" ↓";opacity:1}
.fees tbody tr:hover{background:#fafcff}.fees tbody th{font-weight:600;white-space:nowrap}.fees tbody th a{text-decoration:none}
.fees td small{display:block;color:var(--muted);font-size:12px}.fees td.due{color:var(--muted);font-size:13.5px;min-width:260px}
.pill{display:inline-block;font-size:12px;font-weight:600;padding:2px 8px;border-radius:99px;white-space:nowrap}.pill-annual{background:#dbeafe;color:#1e3a8a}.pill-biennial{background:#ede9fe;color:#5b21b6}.pill-none{background:#dcfce7;color:#166534}
.flag{display:inline-grid;place-items:center;width:16px;height:16px;border-radius:50%;background:#fef3c7;color:var(--warn);font-size:11px;font-weight:700}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:20px}
.card{border:1px solid var(--line);border-radius:var(--r);padding:18px 20px;background:#fff}.card ol,.card ul{margin:0;padding-left:20px}
.cta-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:28px 0}
.cta{border:1px dashed #93c5fd;background:var(--soft);border-radius:var(--r);padding:18px 20px}.cta p{color:var(--muted);font-size:14.5px;margin:0 0 12px}
.cta-tag{display:inline-block;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--brand-2);background:#dbeafe;border-radius:6px;padding:2px 8px;margin-bottom:8px}
.side .cta-row{grid-template-columns:1fr;margin-top:0}
.newsletter{display:grid;grid-template-columns:1.1fr 1fr;gap:24px;align-items:center;background:var(--ink);color:#e2e8f0;border-radius:16px;padding:28px;margin:36px 0}
.newsletter h2{color:#fff;margin:0 0 6px}.newsletter p{margin:0;color:#cbd5e1}
.nl-form{display:grid;grid-template-columns:1fr 150px;gap:8px}.nl-form input,.nl-form select{padding:12px;border-radius:10px;border:1px solid #334155;background:#fff;font-size:15px;min-width:0}
.nl-form button{grid-column:1/-1;background:#3b82f6;color:#fff;border:0;border-radius:10px;padding:12px;font-weight:600;font-size:15px;cursor:pointer}.nl-form button:hover{background:#2563eb}
.nl-msg{grid-column:1/-1;font-size:14px;min-height:1px}
.prose{max-width:760px}.prose p,.prose li{color:#1e293b}.narrow{padding-top:30px;padding-bottom:30px}
.crumbs{font-size:14px;color:var(--muted);margin:22px 0 8px}.crumbs a{text-decoration:none}
.page-head h1{font-size:clamp(28px,3.6vw,40px)}.page-head{padding:18px 0 8px}
.checked{color:var(--muted);font-size:14px;margin:0}.ok{color:var(--ok);font-weight:600}.warn{color:var(--warn);font-weight:600}
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:18px 0 8px}
.fact{border:1px solid var(--line);border-radius:var(--r);padding:14px 16px;background:var(--bg)}.fact span{display:block;font-size:13px;color:var(--muted)}.fact b{font-size:26px;letter-spacing:-.02em}.fact small{display:block;color:var(--muted);font-size:12.5px}
.fact.wide{grid-column:span 1}.fact .due-b{font-size:15px;line-height:1.4;display:block;font-weight:600}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:36px;align-items:start}
.side{position:sticky;top:20px}.mini{list-style:none;padding:0!important}.mini li{padding:4px 0}
.note{color:var(--muted);font-size:15px}.small{font-size:13.5px;color:var(--muted)}.muted{color:var(--muted)}
.callout{border-radius:10px;padding:12px 14px;margin:14px 0;font-size:15px}.warn-box{background:#fffbeb;border:1px solid #fde68a}
.sources{font-size:14px;word-break:break-all}
.faq details{border:1px solid var(--line);border-radius:10px;padding:12px 16px;margin:8px 0;background:#fff}.faq summary{cursor:pointer;font-weight:600}.faq p{margin:8px 0 0}
.calc-card{border:1px solid #bfdbfe;background:linear-gradient(180deg,#fff,var(--soft));border-radius:16px;padding:20px 22px;margin:28px 0}.calc-card h2{margin-top:0}
.calc-form{display:flex;gap:12px;flex-wrap:wrap;align-items:flex-end}.calc-form label{display:flex;flex-direction:column;font-size:14px;font-weight:600;color:var(--muted);gap:6px;flex:1;min-width:200px}
.calc-form select,.calc-form input{padding:11px 12px;border:1px solid #cbd5e1;border-radius:10px;font-size:16px;background:#fff;color:var(--ink)}
.calc-out{margin-top:18px}.calc-out .res-h{font-weight:700;font-size:18px;margin:0 0 4px}
.due-list{list-style:none;padding:0;margin:10px 0}.due-list li{display:flex;justify-content:space-between;gap:12px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px;margin:8px 0}
.due-list .d{font-weight:700}.due-list .w{font-size:13px;color:var(--muted)}.due-list .fee{font-weight:700;white-space:nowrap}.due-list li.next{border-color:#3b82f6;box-shadow:0 0 0 3px #dbeafe}
.badge{font-size:11px;font-weight:700;background:#3b82f6;color:#fff;border-radius:6px;padding:2px 6px;margin-left:6px}
.site-footer{border-top:1px solid var(--line);background:var(--bg);margin-top:50px;padding:36px 0 26px;font-size:14px;color:var(--muted)}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}.foot-grid h4{margin:0 0 8px;color:var(--ink);font-size:14px}.foot-grid a{display:block;color:var(--muted);text-decoration:none;padding:2px 0}.foot-grid a:hover{color:var(--ink)}
.disclosure{border-top:1px solid var(--line);padding-top:12px;margin:14px 0 0}.copy{margin-top:16px}
@media (max-width:900px){.stats{grid-template-columns:repeat(2,1fr)}.layout{grid-template-columns:1fr}.side{position:static}.facts{grid-template-columns:repeat(2,1fr)}.newsletter{grid-template-columns:1fr}.foot-grid{grid-template-columns:1fr}}
@media (max-width:640px){.hdr nav a{margin-left:12px;font-size:14px}.hdr nav a:first-child,.hdr nav a:last-child{display:none}.logo{font-size:16px}.cta-row,.two-col{grid-template-columns:1fr}.hero{padding:36px 0 28px}.nl-form{grid-template-columns:1fr}.facts{grid-template-columns:1fr 1fr}.fact b{font-size:22px}}
.nl-form .hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}