:root{--navy:#142d4e;--teal:#087f8c;--teal-dark:#056471;--paper:#f7f8fa;--ink:#334155;--line:#dce3ea;--gold:#f4c95d;--mint:#e9f4f2;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;font-size:16px;line-height:1.65}a{color:var(--teal-dark);text-underline-offset:4px}button,input,select{font:inherit}a,button,input,select,summary{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--teal);outline-offset:4px}button,a{touch-action:manipulation}svg{display:block}h1,h2,h3,p{margin-top:0}h1,h2,h3{color:var(--navy);line-height:1.15;letter-spacing:-.035em}h1{font-size:clamp(2.6rem,4.6vw,4.35rem);font-weight:750;margin-bottom:24px}h2{font-size:clamp(1.8rem,3vw,2.65rem);font-weight:720;margin-bottom:18px}h3{font-size:1.28rem;letter-spacing:-.025em}p{margin-bottom:20px}.wrap{width:min(1160px,calc(100% - 64px));margin:auto}.skip{position:absolute;left:16px;top:-70px;z-index:30;background:white;padding:12px}.skip:focus{top:10px}.site-header{background:white;border-bottom:1px solid var(--line)}.header-inner{height:86px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;gap:10px;align-items:center;font-weight:800;color:var(--navy);font-size:1.35rem;text-decoration:none;letter-spacing:-.05em;white-space:nowrap}.brand span span{color:var(--teal)}.brand-icon{color:var(--teal);width:34px;height:34px}.main-nav{display:flex;gap:29px;align-items:center}.main-nav a{text-decoration:none;color:var(--ink);font-size:.88rem;font-weight:600}.main-nav a:hover,.main-nav a[aria-current]{color:var(--teal-dark)}.nav-cta{border:1px solid var(--line);padding:10px 16px;border-radius:7px}.menu-toggle{display:none}.eyebrow{display:flex;align-items:center;gap:9px;color:var(--teal-dark);font-size:.73rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;margin-bottom:21px}.eyebrow:before{content:'';width:7px;height:7px;border-radius:50%;background:var(--teal)}.hero{padding:66px 0 58px;position:relative;background:linear-gradient(110deg,#f7f8fa 62%,#edf4f4)}.hero-grid{display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:60px}.hero-copy{max-width:520px}.hero-copy h1 span{color:var(--teal)}.lead{font-size:1.08rem;line-height:1.75;color:#526176;max-width:570px}.actions{display:flex;flex-wrap:wrap;gap:17px;align-items:center;margin:28px 0}.button{display:inline-flex;align-items:center;justify-content:center;gap:13px;border:0;background:var(--teal);color:#fff;text-decoration:none;border-radius:6px;padding:13px 21px;font-size:.9rem;font-weight:700;cursor:pointer;min-height:48px}.button:hover{background:var(--teal-dark)}.text-link{font-weight:650;font-size:.88rem;text-decoration:none}.text-link:hover{text-decoration:underline}.checkline{display:flex;gap:18px;flex-wrap:wrap;font-size:.76rem;color:#536477}.checkline span:before{content:'✓';color:var(--teal);font-weight:800;margin-right:6px}.calculator{background:white;border:1px solid var(--line);border-radius:14px;padding:27px;box-shadow:0 15px 50px #142d4e0a}.calculator-header{display:flex;justify-content:space-between;gap:15px;align-items:flex-start;margin-bottom:20px}.calculator-header h2{font-size:1.18rem;margin-bottom:5px;letter-spacing:-.025em}.calculator-header p{font-size:.78rem;margin:0;color:#64748b}.icon-box{width:40px;height:40px;display:grid;place-items:center;background:var(--mint);border-radius:9px;color:var(--teal)}.icon-box svg{width:23px;height:23px}.fields{display:grid;grid-template-columns:1fr 1fr;gap:15px}.field{min-width:0}.field.full{grid-column:1/-1}label{font-size:.76rem;font-weight:700;display:block;color:var(--navy);margin-bottom:6px}.input-wrap{position:relative}.input-wrap input{padding-right:58px}.unit{position:absolute;right:12px;top:12px;font-size:.78rem;color:#66758a;pointer-events:none}input,select{width:100%;min-height:46px;border:1px solid #cbd5e1;border-radius:6px;background:#fff;color:var(--navy);padding:10px 12px;min-width:0;font-variant-numeric:tabular-nums}select{font-size:.85rem}.calculator form .button{width:100%;margin-top:18px}.field-help{font-size:.72rem;color:#64748b;margin:9px 0 0}.error{font-size:.83rem;color:#a52222;margin:8px 0 0}.error:empty{display:none}.result{background:var(--mint);border:1px solid #d1e9e4;border-radius:9px;padding:19px;margin-top:20px}.result.invalid{opacity:.55}.result-label{font-size:.72rem;color:#466760;font-weight:650}.result-main{font-size:2.4rem;line-height:1.15;letter-spacing:-.05em;color:var(--navy);font-weight:750;font-variant-numeric:tabular-nums;margin:5px 0 12px}.result-main small{font-size:.75rem;letter-spacing:0;font-weight:500;color:#536477}.result dl{margin:12px 0 0;border-top:1px solid #cee0dc;padding-top:9px}.result dl div{display:flex;justify-content:space-between;gap:16px;margin:6px 0;font-size:.77rem}.result dt{color:#536477}.result dd{margin:0;color:var(--navy);font-weight:700;font-variant-numeric:tabular-nums}.formula{font-size:.7rem;color:#536477;margin:12px 0 0}.calculator-note{font-size:.71rem;color:#66758a;margin:13px 0 0}.result-status{font-size:.74rem;color:var(--teal-dark);margin-top:7px}.result-status:empty{display:none}.trust-strip{background:white;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.trust-inner{display:flex;justify-content:space-between;gap:20px;padding:21px 0;font-size:.78rem;color:#607086}.trust-inner span{display:flex;align-items:center;gap:9px}.trust-inner svg{width:19px;height:19px;color:var(--teal)}.section{padding:68px 0}.section-head{display:flex;justify-content:space-between;align-items:end;gap:25px;margin-bottom:28px}.section-head h2{margin-bottom:10px}.section-head p{margin-bottom:0;color:#607086;font-size:.95rem}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:21px}.tool-card{padding:29px;background:white;border:1px solid var(--line);border-radius:10px;text-decoration:none;color:var(--ink);transition:transform .15s,border-color .15s}.tool-card:hover{transform:translateY(-3px);border-color:#7babae}.tool-card .icon-box{margin-bottom:23px}.tool-card h3{font-size:1.2rem;line-height:1.3;margin-bottom:12px}.tool-card p{font-size:.87rem;color:#607086;line-height:1.7}.card-link{display:flex;justify-content:space-between;align-items:center;color:var(--teal-dark);font-size:.82rem;font-weight:700;margin-top:24px}.steps-band{background:#edf3f4;border-block:1px solid var(--line)}.steps-grid{display:grid;grid-template-columns:.9fr 1.4fr;gap:70px;align-items:start}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:25px}.step-number{width:30px;height:30px;display:grid;place-items:center;background:white;border:1px solid #c7d7da;border-radius:50%;font-size:.75rem;font-weight:750;color:var(--teal);margin-bottom:16px}.steps h3{font-size:.96rem;letter-spacing:-.02em}.steps p{font-size:.8rem;line-height:1.75;margin-bottom:0;color:#607086}.guide-card{border:1px solid var(--line);border-radius:10px;overflow:hidden;background:white;text-decoration:none;color:var(--ink)}.guide-art{height:148px;background:#eaf0f3;display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden}.guide-art:before,.guide-art:after{content:'';position:absolute;border:1px solid #ffffffa0;border-radius:50%;width:175px;height:175px;right:-35px;top:-70px}.guide-art:after{width:230px;height:230px;right:-65px;top:-95px}.guide-art svg{width:86px;height:86px;color:#277883;position:relative;z-index:1}.guide-art.gold{background:#f4efdf}.guide-art.gold svg{color:#8b7135}.guide-art.blue{background:#e5edf6}.guide-art.blue svg{color:#496d9b}.guide-content{padding:23px}.tag{font-size:.66rem;letter-spacing:.1em;text-transform:uppercase;color:var(--teal-dark);font-weight:750}.guide-card h3{font-size:1.13rem;line-height:1.4;margin:10px 0}.guide-card p{font-size:.83rem;color:#607086;margin-bottom:16px}.florida-panel{display:grid;grid-template-columns:.7fr 1.3fr;gap:70px;align-items:center;background:var(--navy);border-radius:14px;padding:44px 55px;color:#d7e3f1}.florida-panel h2{color:white;font-size:2.1rem}.florida-panel p{font-size:.95rem;color:#c0cfdf}.florida-panel .eyebrow{color:#a9dcda}.florida-panel .eyebrow:before{background:var(--gold)}.florida-visual{display:grid;place-items:center;border-right:1px solid #ffffff25;min-height:200px}.florida-visual svg{width:180px;height:170px;color:#85c1c0}.florida-panel a{color:white}.florida-panel .button{background:white;color:var(--navy)}.bottom-trust{padding:50px 0;text-align:center}.bottom-trust h2{font-size:1.65rem}.bottom-trust p{max-width:690px;margin:0 auto 15px;font-size:.93rem;color:#607086}.site-footer{background:white;border-top:1px solid var(--line);padding:40px 0 22px}.footer-top{display:flex;justify-content:space-between;gap:40px}.footer-top p{font-size:.8rem;color:#64748b;max-width:320px;margin-top:12px}.footer-links{display:flex;gap:40px}.footer-links div{display:grid;align-content:start;gap:7px}.footer-links strong{font-size:.75rem;color:var(--navy);margin-bottom:5px}.footer-links a{font-size:.76rem;color:#64748b;text-decoration:none}.footer-links a:hover{text-decoration:underline}.footer-bottom{border-top:1px solid var(--line);margin-top:28px;padding-top:18px;display:flex;justify-content:space-between;gap:20px;font-size:.69rem;color:#64748b}.breadcrumb{font-size:.76rem;color:#64748b;padding-top:27px;margin-bottom:25px}.breadcrumb a{color:#64748b}.page-intro{padding:8px 0 35px;max-width:800px}.page-intro h1{font-size:clamp(2.3rem,4vw,3.35rem);margin-bottom:17px}.page-intro .lead{max-width:730px}.calculator-wide{display:grid;grid-template-columns:1.12fr .88fr;column-gap:40px;max-width:1000px;padding:33px}.calculator-wide .calculator-header{grid-column:1/-1}.calculator-wide .result{margin-top:0;align-self:start;padding:25px}.calculator-wide .calculator-note{grid-column:1/-1}.calculator-wide .result-main{font-size:3rem}.calculator-wide .result dl div{font-size:.86rem;margin:12px 0}.calculator-wide .result-status{grid-column:1/-1}.content-grid{display:grid;grid-template-columns:minmax(0,760px) 260px;gap:65px;align-items:start}.prose{max-width:760px}.prose h2{font-size:1.65rem;margin-top:38px}.prose h3{font-size:1.15rem;margin-top:24px}.prose p,.prose li{font-size:.96rem;line-height:1.85}.prose li{margin-bottom:8px}.prose ul,.prose ol{padding-left:23px}.callout{border-left:3px solid var(--teal);background:#eaf3f2;padding:20px 23px;border-radius:0 7px 7px 0;margin:25px 0}.callout p:last-child{margin-bottom:0}.formula-block{padding:19px;background:white;border:1px solid var(--line);border-radius:7px;font-weight:650;color:var(--navy);font-size:.92rem}.sidebar{background:white;border:1px solid var(--line);border-radius:9px;padding:23px;position:sticky;top:25px}.sidebar h2{font-size:1rem;letter-spacing:-.02em}.sidebar a{display:block;font-size:.82rem;margin:13px 0;text-decoration:none}.source-list{font-size:.8rem!important}.table-scroll{overflow:auto}table{border-collapse:collapse;width:100%;font-size:.85rem;background:white;margin:24px 0}th,td{padding:13px 16px;border-bottom:1px solid var(--line);text-align:left}th{color:var(--navy);background:#edf3f4}.page-space{padding-bottom:65px}.faq details{background:white;border:1px solid var(--line);border-radius:7px;padding:18px 22px;margin:12px 0}.faq summary{cursor:pointer;font-weight:650;color:var(--navy);font-size:.91rem}.faq details p{font-size:.87rem;margin:12px 0 0}.empty-state{min-height:50vh;padding:80px 0}.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}.preview-note{font-size:.72rem;background:#fff8dd;color:#6a5313;text-align:center;padding:6px 16px}.preview-note a{color:inherit}
@media(min-width:1400px){.hero{padding:80px 0}}@media(max-width:1000px){.hero-grid{gap:32px}.wrap{width:calc(100% - 42px)}.main-nav{gap:18px}.steps-grid{gap:35px;grid-template-columns:1fr}.florida-panel{gap:30px;padding:35px}.content-grid{gap:30px;grid-template-columns:minmax(0,1fr) 230px}.tool-card{padding:23px}.hero h1{font-size:3.2rem}}@media(max-width:740px){.wrap{width:calc(100% - 36px)}.header-inner{height:73px}.brand{font-size:1.25rem}.menu-toggle{display:block;background:white;border:1px solid var(--line);border-radius:6px;padding:8px 12px;color:var(--navy);font-size:.83rem;min-height:44px}.main-nav{display:none;position:absolute;left:0;right:0;top:73px;background:white;z-index:10;border-bottom:1px solid var(--line);padding:17px 23px;flex-direction:column;align-items:stretch;gap:0}.main-nav a{padding:12px}.main-nav.open{display:flex}.hero{padding:38px 0}.hero-grid{grid-template-columns:1fr;gap:28px}.hero h1{font-size:clamp(2.55rem,9.5vw,3.25rem)}.hero-copy{max-width:100%}.eyebrow{font-size:.65rem;margin-bottom:17px}.lead{font-size:1rem}.actions{margin:23px 0}.checkline{font-size:.72rem;gap:12px}.calculator{padding:21px}.trust-inner{display:grid;grid-template-columns:1fr;gap:11px;padding:19px 0}.trust-inner span{justify-content:center}.section{padding:43px 0}.section-head{align-items:start;flex-direction:column;gap:13px;margin-bottom:23px}.section-head h2{font-size:1.9rem}.cards{grid-template-columns:1fr}.tool-card{padding:25px}.tool-card .icon-box{margin-bottom:18px}.tool-card p{margin-bottom:0}.card-link{margin-top:20px}.steps{grid-template-columns:1fr;gap:25px}.steps-grid{gap:25px}.steps h3{margin-bottom:7px}.step-number{margin-bottom:12px}.guide-art{height:138px}.florida-panel{grid-template-columns:1fr;padding:28px;gap:20px}.florida-visual{border-right:0;border-bottom:1px solid #ffffff25;min-height:130px;padding-bottom:17px}.florida-visual svg{height:120px}.florida-panel h2{font-size:1.8rem}.footer-top{flex-direction:column;gap:20px}.footer-links{justify-content:space-between;gap:15px}.footer-bottom{flex-direction:column;gap:8px}.calculator-wide{grid-template-columns:1fr;gap:20px;padding:23px}.calculator-wide .calculator-header{margin-bottom:0}.calculator-wide .calculator-note{margin-top:0}.content-grid{grid-template-columns:1fr}.sidebar{position:static}.page-intro h1{font-size:2.4rem}.page-intro{padding-bottom:20px}.page-space{padding-bottom:40px}.prose h2{font-size:1.5rem}.preview-note{font-size:.65rem}}
@media(max-width:360px){.fields{grid-template-columns:1fr}.hero h1{font-size:2.4rem}.brand{font-size:1.1rem}.brand-icon{width:27px}.footer-links{flex-wrap:wrap}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
