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.site-header .navbar{position:relative!important;top:auto!important;left:auto!important}.site-header .navbar-nav .nav-link{color:var(--ink)!important}.site-header .navbar-nav .nav-link:hover{color:var(--teal)!important}.site-header .navbar-nav .nav-cta{color:var(--navy)!important}

@media(min-width:768px){.col-md-6{width:50%}.d-md-inline-flex{display:inline-flex}}
@media(min-width:992px){.col-lg-2{width:16.6667%}.col-lg-4{width:33.3333%}.col-lg-5{width:41.6667%}.col-lg-6{width:50%}.col-lg-7{width:58.3333%}.col-lg-8{width:66.6667%}.col-lg-9{width:75%}.ps-lg-5{padding-left:48px!important}}
@media(min-width:1200px){.col-xl-3{width:25%}.col-xl-8{width:66.6667%}}
i[class]{font-style:normal}.icon-feather-shield::before{content:"◆"}.icon-feather-compass::before{content:"⌖"}.icon-feather-search::before{content:"⌕"}.icon-feather-arrow-right::before{content:"→"}.icon-feather-arrow-up-right::before{content:"↗"}.icon-feather-chevron-right::before{content:"›"}.icon-feather-check::before,.icon-feather-check-circle::before{content:"✓"}.icon-feather-book-open::before{content:"▤"}.icon-feather-home::before{content:"⌂"}.icon-feather-file-text::before{content:"▧"}.icon-feather-umbrella::before{content:"◒"}.icon-feather-dollar-sign::before{content:"$"}.icon-feather-info::before{content:"i"}.icon-feather-map::before{content:"⌖"}.icon-feather-users::before{content:"◎"}.icon-feather-globe::before{content:"◉"}.icon-feather-sliders::before{content:"☷"}.icon-line-awesome-key::before{content:"⌂"}.icon-line-awesome-tag::before{content:"◇"}.icon-line-awesome-line-chart::before{content:"↗"}.icon-line-awesome-building::before{content:"▦"}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}button{cursor:pointer}.location-search button:hover,.local-jump button:hover,.newsletter-cta:hover,.btn-dark:hover,.btn-cream:hover{filter:brightness(.94)}
@media(max-width:991px){.navbar-toggler{display:block}.navbar-collapse{display:none;position:absolute;left:0;right:0;top:70px;background:#fff;border-top:1px solid var(--line);box-shadow:0 16px 28px rgba(16,43,63,.1)}.navbar-collapse.is-open{display:block}.navbar-nav{display:block;padding:12px 20px 20px}.navbar-nav .nav-link{padding:12px 0!important}.navbar-nav .nav-cta{margin:10px 0 0!important;text-align:center}.dropdown-menu{display:block;position:static;box-shadow:none;padding:0 0 6px 16px}.dropdown-item{padding:6px 0}.newsletter-cta{margin-top:24px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{scroll-behavior:auto!important;transition:none!important;animation:none!important}}
.container{width:min(calc(100% - 64px),1500px)}
.utility-bar .container,.navbar>.container{width:min(calc(100% - 64px),1750px)}
.site-footer .footer-container{width:min(calc(100% - 64px),1350px)}
.brand-logo{width:48px;height:48px;flex:0 0 48px}
.disclaimer-bar{padding:16px 24px;color:#a9b7bd}
.disclaimer-bar>span{display:grid;gap:3px;max-width:1350px;margin-inline:auto}
.disclaimer-bar strong{color:#fff}
.disclaimer-bar small{font-size:10px;line-height:1.5}
.contact-card>a{display:inline-flex}
.legal-copy{max-width:1050px;background:#fff;border:1px solid var(--line);padding:clamp(28px,5vw,72px)}
.legal-copy section{border-top:1px solid var(--line);margin-top:34px;padding-top:6px}
.legal-copy a{color:var(--teal);font-weight:750;text-decoration:underline;text-underline-offset:3px}
.legal-updated{margin-top:0}
@media(max-width:767px){.container,.utility-bar .container,.navbar>.container,.site-footer .footer-container{width:min(calc(100% - 32px),1500px)}.legal-copy{padding:26px 20px}.brand-logo{width:44px;height:44px;flex-basis:44px}}
:root{--navy:#002868;--navy-2:#0a3161;--blue:#245aa5;--teal:#b31942;--cream:#f3f5f9;--paper:#fff;--gold:#d6ad55;--ink:#101f3d;--muted:#596579;--line:#d9dfeb}
body{background:#fff}
.utility-bar{height:40px;background:#002868;border-bottom:3px solid #b31942}
.utility-bar i::before{content:"★"}
.language-link b{background:#fff;color:#b31942}
.site-header{border-bottom:0;box-shadow:0 6px 25px rgba(0,40,104,.08)}
.site-header::after{content:"";display:block;height:5px;background:linear-gradient(90deg,#b31942 0 33.333%,#fff 33.333% 66.666%,#002868 66.666%)}
.brand small{color:#b31942;font-weight:800}
.navbar-nav .nav-cta{background:#b31942;color:#fff!important}
.site-header .navbar-nav .nav-cta{color:#fff!important}
.navbar-nav .nav-cta:hover{background:#8f1334;color:#fff!important}
.hero-home{min-height:740px;background-image:url('../img/hero-usa.webp');background-position:center center}
.hero-overlay{background:linear-gradient(90deg,rgba(0,25,73,.96) 0%,rgba(0,40,104,.86) 42%,rgba(0,40,104,.26) 70%,rgba(0,40,104,.05) 100%)}
.hero-kicker{color:#fff;border-color:rgba(255,255,255,.55);background:rgba(179,25,66,.72);letter-spacing:.14em}
.hero-home h1{font-size:76px;text-shadow:0 3px 20px rgba(0,0,0,.2)}
.hero-home h1 em{color:#fff}
.hero-home p{max-width:760px;color:#fff}
.location-search button{background:#b31942}
.hero-trust b{color:#fff}
.patriot-ribbon{background:#b31942;color:#fff;border-top:6px solid #fff;border-bottom:6px solid #002868}
.patriot-ribbon .container{min-height:60px;display:flex;align-items:center;justify-content:space-between;gap:24px;font-size:11px;font-weight:800;letter-spacing:.13em}
.eyebrow{color:#b31942}
.section-heading h2,.knowledge h2,.featured-states h2{color:#002868}
.path-card{border-top:4px solid #002868}
.quick-paths .row>div:nth-child(even) .path-card{border-top-color:#b31942}
.path-card:hover{box-shadow:0 18px 44px rgba(0,40,104,.13)}
.map-band,.cost-band{background-color:#002868;background-image:radial-gradient(circle at 16px 16px,rgba(255,255,255,.15) 1.4px,transparent 1.6px);background-size:32px 32px}
.region-card{background:rgba(10,49,97,.86);border-color:rgba(255,255,255,.28)}
.region-card:nth-child(2n){border-left:5px solid #b31942}
.state-feature{background:linear-gradient(145deg,#0a3161,#245aa5)}
.state-feature:nth-child(2n){background:linear-gradient(145deg,#b31942,#7d1230)}
.state-feature:nth-child(3n){background:linear-gradient(145deg,#173f7c,#002868)}
.state-feature-main{background:linear-gradient(rgba(0,40,104,.18),rgba(0,25,73,.85)),url('../img/state.webp?v=154096') center/cover}
.america-gallery{background:#f3f5f9}
.photo-grid{display:grid;grid-template-columns:1.2fr .8fr;grid-template-rows:300px 300px;gap:18px}
.photo-card{position:relative;overflow:hidden;margin:0;background:#002868}
.photo-card-wide{grid-row:span 2}
.photo-card img{width:100%;height:100%;object-fit:cover;transition:transform .35s}
.photo-card:hover img{transform:scale(1.025)}
.photo-card::after{content:"";position:absolute;inset:40% 0 0;background:linear-gradient(transparent,rgba(0,25,73,.92))}
.photo-card figcaption{position:absolute;z-index:2;left:0;right:0;bottom:0;padding:30px;color:#fff;display:grid;gap:4px}
.photo-card figcaption b{font-size:23px}
.photo-card figcaption span{font-size:13px;color:#e8edf7}
.feature-star{color:#b31942;font-size:20px}
.standard-photo{position:relative;overflow:hidden;margin:70px 0 0;height:460px;background:#002868}
.standard-photo img{width:100%;height:100%;object-fit:cover}
.standard-photo::after{content:"";position:absolute;inset:45% 0 0;background:linear-gradient(transparent,rgba(0,25,73,.94))}
.standard-photo figcaption{position:absolute;z-index:2;left:0;right:0;bottom:0;padding:36px;color:#fff;display:grid;gap:5px}
.standard-photo figcaption strong{font-size:30px}
.standard-photo figcaption span{color:#e8edf7}
.knowledge{background:#fff}
.image-note{background:#b31942;color:#fff}
.newsletter{background:#b31942}
.site-footer{background:#001c4e}
.disclaimer-bar{background:#001335}
.page-hero,.guide-hero,.location-hero{background-color:#002868;background-image:linear-gradient(120deg,rgba(0,40,104,.97),rgba(179,25,66,.82)),radial-gradient(circle at 18px 18px,rgba(255,255,255,.18) 1.5px,transparent 1.8px);background-size:auto,36px 36px}
.btn-dark,.sticky-box .aside-cta,.local-jump button{background:#b31942}
.btn-cream{background:#fff}
.state-pill{background:#fff;color:#b31942}
:focus-visible{outline-color:#b31942}
@media(max-width:991px){.patriot-ribbon .container{justify-content:center;flex-wrap:wrap;padding-block:15px}.patriot-ribbon .container span:nth-child(even){display:none}.hero-home{min-height:700px}.hero-home h1{font-size:58px}.photo-grid{grid-template-rows:260px 260px}.state-feature-main{background-image:linear-gradient(rgba(0,40,104,.18),rgba(0,25,73,.85)),url('../img/state.logeora-768.webp?v=71496')}}
@media(max-width:767px){.hero-home{min-height:720px;background-position:62% center}.hero-overlay{background:linear-gradient(90deg,rgba(0,25,73,.95),rgba(0,40,104,.76))}.hero-home h1{font-size:45px}.patriot-ribbon .container{font-size:9px;gap:14px}.photo-grid{display:grid;grid-template-columns:1fr;grid-template-rows:360px 260px 260px}.photo-card-wide{grid-row:auto}.photo-card figcaption{padding:22px}.photo-card figcaption b{font-size:20px}.standard-photo{height:340px;margin-top:45px}.standard-photo figcaption{padding:24px}.standard-photo figcaption strong{font-size:23px}.state-feature-main{background-image:linear-gradient(rgba(0,40,104,.18),rgba(0,25,73,.85)),url('../img/state.logeora-480.webp?v=31242')}}
.resource-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.resource-grid>a{display:flex;min-height:270px;flex-direction:column;background:#fff;border:1px solid var(--line);padding:28px;transition:transform .2s,box-shadow .2s}.resource-grid>a:hover{transform:translateY(-4px);box-shadow:0 14px 32px rgba(16,43,63,.1)}.resource-grid span{color:var(--teal);font-size:10px;font-weight:800;letter-spacing:.13em}.resource-grid h2{font-size:21px;line-height:1.25;margin:25px 0 12px}.resource-grid p{color:var(--muted);font-size:14px;line-height:1.6}.resource-grid b{margin-top:auto;font-size:13px;color:var(--navy)}.resource-grid b i{color:var(--teal)}.resource-grid-compact>a{min-height:230px}.research-steps{padding-left:20px;margin:0}.research-steps li{padding:12px 0;border-bottom:1px solid rgba(255,255,255,.2);font-weight:700}@media(max-width:991px){.resource-grid{grid-template-columns:1fr 1fr}}@media(max-width:767px){.resource-grid{grid-template-columns:1fr}}
.resource-grid .source-logo{display:flex;align-items:center;height:52px;margin-bottom:16px}.resource-grid .source-logo img{display:block;max-width:220px;max-height:52px;width:auto;height:auto}.resource-grid .source-logo+span{margin-top:0}.resource-grid .source-logo~h2{margin-top:18px}
.glossary-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.glossary-grid article{border:1px solid var(--line);background:#fff;padding:26px}.glossary-grid span{font-size:10px;letter-spacing:.12em;font-weight:800;color:var(--teal)}.glossary-grid h2{font-size:21px;line-height:1.25;margin:22px 0 12px}.glossary-grid p{margin:0;color:var(--muted);font-size:14px;line-height:1.65}@media(max-width:991px){.glossary-grid{grid-template-columns:1fr 1fr}}@media(max-width:767px){.glossary-grid{grid-template-columns:1fr}}
.budget-tool{background:var(--cream)}.checklist-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.checklist-grid article{background:#fff;border:1px solid var(--line);padding:30px}.checklist-grid span{font-size:10px;font-weight:800;letter-spacing:.12em;color:var(--teal)}.checklist-grid h2{font-size:27px;margin:20px 0}.checklist-grid ul{list-style:none;padding:0;margin:0}.checklist-grid li{display:flex;gap:10px;border-top:1px solid var(--line);padding:15px 0;color:var(--muted);font-size:14px;line-height:1.5}.checklist-grid li i{color:var(--teal);margin-top:3px}@media(max-width:767px){.checklist-grid{grid-template-columns:1fr}}
.state-data{background:#f4f6f7}.state-data-grid{display:grid;grid-template-columns:repeat(4,1fr);background:#fff;border-top:1px solid var(--line);border-left:1px solid var(--line)}.state-data-grid article{min-height:190px;padding:28px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);display:flex;flex-direction:column}.state-data-grid span{font-size:10px;letter-spacing:.13em;font-weight:800;color:var(--teal)}.state-data-grid strong{font-family:var(--heading);font-size:35px;line-height:1.1;color:var(--navy);margin:28px 0 12px}.state-data-grid strong.trend-positive{color:#18794e}.state-data-grid strong.trend-negative{color:#b31942}.state-data-grid small{color:var(--muted);font-size:11px;line-height:1.45;margin-top:auto}.state-data-note{display:flex;gap:12px;align-items:flex-start;margin-top:20px;color:var(--muted)}.state-data-note>i{color:var(--teal);margin-top:3px}.state-data-note p{font-size:12px;line-height:1.6;margin:0}.state-data-note a{font-weight:800;color:var(--navy);white-space:nowrap}@media(max-width:991px){.state-data-grid{grid-template-columns:1fr 1fr}}@media(max-width:767px){.state-data-grid{grid-template-columns:1fr}.state-data-grid article{min-height:150px}.state-data-grid strong{margin-top:20px}}
.state-context{background:#fff}.state-context .state-data-grid{background:#f8fafb}.state-data-grid strong em{font-family:var(--body);font-size:13px;font-style:normal;color:var(--muted)}
.hero-home{background:#002868;background-image:none;overflow:hidden}.hero-media{position:absolute;inset:0;z-index:0}.hero-media img{width:100%;height:100%;object-fit:cover;object-position:center center}.hero-home .hero-overlay{z-index:1}.hero-home .container{position:relative;z-index:2}.guide-hero .guide-meta{font-size:12px;color:#e4eaf2;margin:24px 0 0}.guide-meta time{font-weight:700}main[id],section[id],article[id],h1[id],h2[id],h3[id]{scroll-margin-top:5rem}:where(button,[role="button"],input:not([type="hidden"]):not([type="checkbox"]):not([type="radio"]),select,textarea){min-height:44px}.navbar-nav [aria-current="page"],.navbar-nav [aria-current="true"]{font-weight:800;text-decoration:underline;text-decoration-thickness:.12em;text-underline-offset:.2em}.navbar-toggler{min-width:44px;min-height:44px}@media(max-width:991px){body.nav-open{overflow:hidden}.navbar-collapse{max-height:calc(100dvh - 115px);overflow-y:auto;overscroll-behavior:contain}}@media(max-width:767px){.hero-media img{object-position:62% center}}
.primary-visual{width:min(calc(100% - 64px),1500px);height:clamp(260px,32vw,480px);margin:42px auto -24px;position:relative;overflow:hidden;background:#002868}.primary-visual img{width:100%;height:100%;object-fit:cover}.primary-visual::after{content:"";position:absolute;inset:52% 0 0;background:linear-gradient(transparent,rgba(0,25,73,.88))}.primary-visual figcaption{position:absolute;z-index:1;left:30px;right:30px;bottom:24px;color:#fff;font-weight:700;font-size:15px;max-width:700px}@media(max-width:767px){.primary-visual{width:min(calc(100% - 32px),1500px);height:270px;margin:28px auto -12px}.primary-visual figcaption{left:20px;right:20px;bottom:18px;font-size:13px}}
.path-num,.article-index{color:#596579}.article-list small{color:#6b4f12}.site-footer .brand small{color:#fff}

.page-context{padding-top:22px;font-size:14px}.page-context p{margin-bottom:12px}.roadmap li[id]{scroll-margin-top:6rem}.sticky-box{max-height:calc(100dvh - 100px);overflow-y:auto}@media(max-width:991px){.sticky-box{max-height:none}}
.state-directory-grid>a[hidden],.state-region[hidden]{display:none!important}


.brand span:last-child{align-items:center;text-align:center}


.decision-workspace{background:#f1f4f8}
.decision-workspace-media{display:block;position:relative;overflow:hidden;aspect-ratio:3/2;background:#002868;box-shadow:0 24px 60px rgba(0,40,104,.14)}
.decision-workspace-media::after{content:"";position:absolute;inset:0;border:1px solid rgba(0,40,104,.08);pointer-events:none}
.decision-workspace-media img{width:100%;height:100%;object-fit:cover}
.decision-workspace h2,.faq-section h2{font-size:clamp(2.25rem,4vw,3.25rem);line-height:1.08;letter-spacing:-.04em;color:#002868;margin:0 0 22px}
.decision-workspace .lead{color:#52626b;font-size:18px;line-height:1.7}
.decision-brief-list{list-style:none;padding:0;margin:32px 0 0;border-top:1px solid #ced7e2}
.decision-brief-list li{display:grid;grid-template-columns:42px 1fr;gap:14px;padding:18px 0;border-bottom:1px solid #ced7e2}
.decision-brief-list li>span{color:#b31942;font-size:11px;font-weight:850;letter-spacing:.08em;padding-top:4px}
.decision-brief-list h3{color:#002868;font-size:18px;margin:0 0 5px}
.decision-brief-list p{color:#596979;font-size:14px;line-height:1.55;margin:0 0 6px}
.decision-brief-list a{display:inline-flex;color:#8f1334;font-size:12px;font-weight:800;text-decoration:underline;text-underline-offset:3px}
.decision-rule{margin-top:24px;padding:19px 21px;border-left:4px solid #b31942;background:#fff}
.decision-rule b{color:#002868;font-size:12px;letter-spacing:.08em;text-transform:uppercase}
.decision-rule p{color:#52626b;font-size:14px;line-height:1.6;margin:5px 0 0}

.answer-first{margin:0 0 52px;padding:clamp(24px,4vw,38px);background:#f1f4f8;border-top:5px solid #b31942}
.answer-first>span{color:#b31942;font-size:10px;font-weight:850;letter-spacing:.15em}
.guide-article .answer-first h2{color:#002868;font-size:30px;line-height:1.2;margin:16px 0 12px}
.answer-first p{color:#52626b;line-height:1.7;margin:0}
.answer-first ul{display:grid;grid-template-columns:1fr 1fr;gap:10px 24px;list-style:none;padding:22px 0 0;margin:22px 0 0;border-top:1px solid #ced7e2}
.answer-first li{position:relative;padding-left:21px;color:#233e57;font-size:13px;font-weight:700;line-height:1.45}
.answer-first li::before{content:"✓";position:absolute;left:0;color:#b31942;font-weight:900}

.faq-section{background:#fff}
.faq-section p{color:#596979;font-size:16px;line-height:1.7}
.faq-section .btn-dark{margin-top:20px}
.faq-list{border-top:1px solid #ced7e2}
.faq-list details{border-bottom:1px solid #ced7e2}
.faq-list summary{display:grid;grid-template-columns:42px 1fr 26px;gap:14px;align-items:center;min-height:76px;padding:16px 4px;cursor:pointer;color:#002868;font-size:17px;font-weight:800;line-height:1.35;list-style:none}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary>span{color:#b31942;font-size:10px;letter-spacing:.1em}
.faq-list summary>i{position:relative;width:24px;height:24px;border:1px solid #b9c5d2;border-radius:50%}
.faq-list summary>i::before,.faq-list summary>i::after{content:"";position:absolute;left:6px;right:6px;top:11px;height:1px;background:#002868}
.faq-list summary>i::after{transform:rotate(90deg);transition:transform .2s}
.faq-list details[open] summary>i::after{transform:rotate(0)}
.faq-list details>div{padding:0 46px 22px 60px}
.faq-list details p{margin:0;color:#52626b;line-height:1.7}
.faq-guide{scroll-margin-top:5rem}
.faq-guide .faq-list{margin-top:20px}

@media(max-width:767px){
 .decision-workspace-media{box-shadow:0 16px 36px rgba(0,40,104,.12)}
 .decision-workspace h2,.faq-section h2{font-size:34px}
 .answer-first{margin-bottom:38px}
 .answer-first ul{grid-template-columns:1fr}
 .faq-list summary{grid-template-columns:32px 1fr 24px;font-size:15px}
 .faq-list details>div{padding:0 34px 20px 46px}
}


.state-snapshot{background:#fff}
.state-snapshot h2{font-size:clamp(2.3rem,4vw,3.35rem);line-height:1.08;letter-spacing:-.04em;color:#002868;margin:0 0 22px}
.state-snapshot .lead{font-size:19px;line-height:1.72;color:#445a6c}
.state-snapshot p:not(.lead){color:#617080;line-height:1.7}
.snapshot-facts{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid #ced7e2;border-left:1px solid #ced7e2;background:#f4f6f9}
.snapshot-facts>div{display:flex;min-height:155px;flex-direction:column;padding:24px;border-right:1px solid #ced7e2;border-bottom:1px solid #ced7e2}
.snapshot-facts span{color:#b31942;font-size:9px;font-weight:850;letter-spacing:.12em}
.snapshot-facts strong{font-size:29px;line-height:1.1;color:#002868;margin:22px 0 8px}
.snapshot-facts strong em{font-family:var(--body);font-size:12px;font-style:normal;color:#617080}
.snapshot-facts small{color:#617080;font-size:10px;margin-top:auto}
.evidence-table{margin-top:50px;overflow-x:auto;border:1px solid #ced7e2;background:#fff}
.evidence-table table{width:100%;min-width:760px;border-collapse:collapse;text-align:left}
.evidence-table th,.evidence-table td{padding:19px 22px;border-bottom:1px solid #dbe2ea;vertical-align:top}
.evidence-table thead th{background:#002868;color:#fff;font-size:11px;letter-spacing:.09em;text-transform:uppercase}
.evidence-table tbody th{width:21%;color:#002868;font-size:14px}
.evidence-table tbody td{color:#52626b;font-size:13px;line-height:1.55}
.evidence-table tbody tr:last-child>*{border-bottom:0}
.state-faq{background:#f4f6f9}


.calculator-intro{color:#617080;line-height:1.65;margin:8px 0 0}
.calc-result-head{display:grid;grid-template-columns:1fr auto;gap:30px;align-items:end}
.calc-result-head>div:last-child{text-align:right;border-left:1px solid rgba(255,255,255,.18);padding-left:28px}
.calc-result-head b{display:block;color:#fff;font-size:25px;margin-top:7px}
.calc-breakdown{display:grid;grid-template-columns:repeat(5,1fr);margin:24px 0 18px;padding:18px 0;border-top:1px solid rgba(255,255,255,.18);border-bottom:1px solid rgba(255,255,255,.18)}
.calc-breakdown>div{padding:0 12px;border-right:1px solid rgba(255,255,255,.14)}
.calc-breakdown>div:first-child{padding-left:0}
.calc-breakdown>div:last-child{border-right:0;padding-right:0}
.calc-breakdown dt{min-height:34px;color:#b6c7ce;font-size:9px;line-height:1.35;text-transform:uppercase;letter-spacing:.07em}
.calc-breakdown dd{margin:8px 0 0;color:#fff;font-size:15px;font-weight:800}

@media(max-width:767px){
 .state-snapshot h2{font-size:35px}
 .snapshot-facts{grid-template-columns:1fr}
 .snapshot-facts>div{min-height:125px}
 .evidence-table{margin-top:34px}
 .calc-result-head{grid-template-columns:1fr}
 .calc-result-head>div:last-child{text-align:left;border-left:0;border-top:1px solid rgba(255,255,255,.18);padding:16px 0 0}
 .calc-breakdown{grid-template-columns:1fr 1fr}
 .calc-breakdown>div{padding:12px;border-right:0;border-bottom:1px solid rgba(255,255,255,.12)}
 .calc-breakdown>div:first-child{padding-left:12px}
 .calc-breakdown dt{min-height:0}
}


.guide-intent-section{background:#eef3f7}
.guide-library{background:#fff}
.intent-grid{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid #cbd5df;border-left:1px solid #cbd5df}
.intent-grid>a{display:flex;min-height:245px;flex-direction:column;padding:28px;border-right:1px solid #cbd5df;border-bottom:1px solid #cbd5df;background:#fff;color:inherit;transition:transform .2s,box-shadow .2s}
.intent-grid>a:hover{position:relative;transform:translateY(-4px);box-shadow:0 18px 45px rgba(0,40,104,.12);z-index:1}
.intent-grid span{color:#b31942;font-size:10px;font-weight:850;letter-spacing:.13em}
.intent-grid h3{color:#002868;font-size:22px;line-height:1.2;margin:28px 0 12px}
.intent-grid p{color:#5d6c79;font-size:14px;line-height:1.6;margin:0}
.intent-grid b{color:#002868;font-size:11px;letter-spacing:.08em;text-transform:uppercase;margin-top:auto;padding-top:22px}
.decision-companion-section{background:#eef3f7;padding:0 0 72px}
.decision-companion{position:relative;margin-top:-28px;padding:clamp(28px,5vw,52px);background:#fff;border-top:5px solid #b31942;box-shadow:0 18px 48px rgba(0,40,104,.13)}
.decision-companion h2{max-width:780px;color:#002868;font-size:clamp(2rem,4vw,3rem);line-height:1.08;letter-spacing:-.035em;margin:16px 0}
.decision-outcome{max-width:920px;color:#465b6c;font-size:17px;line-height:1.7}
.decision-outcome b{color:#002868}
.companion-grid{display:grid;grid-template-columns:1fr 1fr;gap:0;margin-top:30px;border:1px solid #cbd5df}
.companion-grid>div{padding:28px 30px}
.companion-grid>div+div{border-left:1px solid #cbd5df}
.companion-grid .risk-panel{background:#f8f2f2}
.companion-grid h3{color:#002868;font-size:19px;margin:0 0 17px}
.companion-grid ul{list-style:none;padding:0;margin:0}
.companion-grid li{position:relative;color:#4d6171;font-size:14px;line-height:1.55;padding:10px 0 10px 24px;border-top:1px solid rgba(0,40,104,.1)}
.companion-grid li:first-child{border-top:0}
.companion-grid li::before{content:"✓";position:absolute;left:0;color:#17724d;font-weight:900}
.companion-grid .risk-panel li::before{content:"!";color:#b31942}
.related-guide-links{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin-top:24px}
.related-guide-links>span{color:#5d6c79;font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-right:6px}
.related-guide-links a{display:inline-flex;align-items:center;gap:8px;padding:10px 13px;border:1px solid #cbd5df;color:#002868;font-size:12px;font-weight:800}
.related-guide-links a:hover{border-color:#b31942;color:#b31942}

@media(max-width:991px){
 .intent-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:767px){
 .intent-grid,.companion-grid{grid-template-columns:1fr}
 .intent-grid>a{min-height:210px}
 .companion-grid>div+div{border-left:0;border-top:1px solid #cbd5df}
 .decision-companion-section{padding-bottom:48px}
}

.insight-card-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.insight-card{display:grid;grid-template-rows:auto 1fr;background:#fff;border:1px solid var(--line);min-width:0}
.insight-card-media{display:block;aspect-ratio:3/2;overflow:hidden;background:var(--navy)}
.insight-card-media img{width:100%;height:100%;object-fit:cover;transition:transform .3s ease}
.insight-card:hover .insight-card-media img{transform:scale(1.025)}
.insight-card>div{display:flex;flex-direction:column;padding:28px 30px 30px}
.insight-card>div>span{color:#b31942;font-size:10px;font-weight:850;letter-spacing:.12em}
.insight-card h2{font-size:26px;line-height:1.25;margin:20px 0 12px}
.insight-card h2 a{color:var(--navy)}
.insight-card p{color:var(--muted);font-size:14px;line-height:1.65}
.insight-card .text-link{margin-top:auto;padding-top:12px}
.insight-hero h1{max-width:960px}
.insight-lead-photo{height:auto;overflow:visible;background:transparent;margin-bottom:0}
.insight-lead-photo picture{display:block;height:clamp(280px,42vw,620px);overflow:hidden;background:var(--navy)}
.insight-lead-photo img{width:100%;height:100%;object-fit:cover}
.insight-lead-photo figcaption{padding:13px 4px 0;color:var(--muted);font-size:12px;line-height:1.5}
.insight-detail .guide-section{scroll-margin-top:2rem}
.insight-checklist ul{display:grid;grid-template-columns:1fr 1fr;gap:0 24px;list-style:none;padding:0;margin:24px 0 0;border-top:1px solid var(--line)}
.insight-checklist li{position:relative;padding:16px 8px 16px 28px;border-bottom:1px solid var(--line);color:#40596a;font-size:14px;line-height:1.55}
.insight-checklist li::before{content:"✓";position:absolute;left:3px;color:#17724d;font-weight:900}

@media(max-width:767px){
 .insight-card-grid,.insight-checklist ul{grid-template-columns:1fr}
 .insight-card>div{padding:24px}
 .insight-card h2{font-size:23px}
 .insight-lead-photo picture{height:280px}
}

.metro-directory{background:#f7f4ed}.directory-filter-label{display:block;font-size:.78rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:#17345d;margin-bottom:.55rem}.directory-filter{width:100%;border:1px solid #c8d1dd;border-radius:4px;background:#fff;padding:.9rem 1rem;color:#102847}.filter-status{margin:.45rem 0 0;color:#617089;font-size:.85rem}.metro-region{margin-top:3rem}.metro-region[hidden],.metro-card[hidden]{display:none!important}.metro-region-heading{display:flex;align-items:end;justify-content:space-between;border-bottom:1px solid #cbd4df;padding-bottom:.75rem;margin-bottom:1.25rem}.metro-region-heading h2{margin:0;font-size:1.75rem}.metro-region-heading span{color:#687790;font-weight:700}.metro-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.15rem}.metro-card{display:flex;flex-direction:column;min-height:100%;padding:0;overflow:hidden;border:1px solid #d7dde5;background:#fff;color:#102847;text-decoration:none;box-shadow:0 8px 28px rgba(16,40,71,.06);transition:transform .2s ease,border-color .2s ease,box-shadow .2s ease}.metro-card:hover{transform:translateY(-3px);border-color:#9a2730;box-shadow:0 14px 32px rgba(16,40,71,.11);color:#102847}.metro-card>div{display:flex;justify-content:space-between;align-items:center}.metro-card small{font-size:.72rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:#6a778c}.metro-card h3{margin:1rem 0 .55rem;font-size:1.35rem}.metro-card p{font-size:.92rem;line-height:1.65;color:#526178;flex:1}.metro-card b{font-size:.78rem;letter-spacing:.04em;text-transform:uppercase;color:#8d1f2b;margin-top:.65rem}.home-metros{background:#eef2f6}.state-metros{padding:4rem 0;background:#f4f1e9}.state-metros h2{margin:.45rem 0 1.5rem}.metro-hero{position:relative;padding:clamp(4rem,8vw,7rem) 0 4rem;background:radial-gradient(circle at 90% 10%,rgba(181,139,66,.32),transparent 30%),linear-gradient(135deg,#001a45,#04347a);color:#fff}.metro-hero h1{font-size:clamp(2.7rem,6vw,5.7rem);line-height:.96;margin:.8rem 0 1.4rem}.metro-hero h1 em{font-family:Georgia,serif;font-weight:400;color:#f2cf8d}.metro-hero p{font-size:1.12rem;line-height:1.75;max-width:850px;color:#e2eaf5}.metro-facts{margin:0;padding:1.5rem;border:1px solid rgba(255,255,255,.25);background:rgba(0,18,52,.38);backdrop-filter:blur(8px)}.metro-facts div+div{border-top:1px solid rgba(255,255,255,.16);margin-top:1rem;padding-top:1rem}.metro-facts dt{font-size:.68rem;font-weight:800;letter-spacing:.12em;color:#f1d39b}.metro-facts dd{margin:.3rem 0 0;font-size:.95rem;line-height:1.5}.metro-jump{background:#fff;border-bottom:1px solid #dfe4eb;position:relative;z-index:2}.metro-jump .container{display:flex;gap:1.35rem;overflow:auto;padding-top:1rem;padding-bottom:1rem}.metro-jump a{white-space:nowrap;font-size:.78rem;font-weight:800;text-transform:uppercase;letter-spacing:.05em;color:#17345d}.metro-article>h2,.metro-article .guide-section>h2{margin-top:2.25rem}.metro-checks{margin-bottom:0}.source-links{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.source-links a{display:flex;align-items:center;gap:1rem;border:1px solid #d7dde5;padding:1rem;color:#102847;text-decoration:none;background:#fff}.source-links img{width:92px;height:34px;object-fit:contain;object-position:left center}.source-links span{display:flex;flex-direction:column;font-size:.82rem;line-height:1.45;color:#657188}.source-links b{font-size:.9rem;color:#102847;margin-bottom:.2rem}.source-note{margin-top:1rem;font-size:.88rem;color:#657188}.related-metros{background:#f7f4ed}.investment-tool{background:#eef3f6}
@media(max-width:991px){.metro-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.source-links{grid-template-columns:1fr}.metro-facts{margin-top:1rem}}
@media(max-width:600px){.metro-grid{grid-template-columns:1fr}.metro-card{--card-inset:1.15rem}.metro-hero{padding-top:3rem}.metro-hero h1{font-size:2.6rem}.source-links a{align-items:flex-start;flex-direction:column}.state-metros{padding:3rem 0}}
.metro-card .state-code{position:static;align-self:flex-start;display:inline-block;border:1px solid #aeb9c7;color:#17345d;border-radius:999px;padding:5px 9px;font-weight:800;font-size:11px}
.metro-hero h1{color:#fff}
.place-hero-image{margin:0 0 16px;border:1px solid rgba(255,255,255,.35);background:#e8f0ef;box-shadow:0 12px 30px rgba(0,16,44,.2)}
.place-hero-image img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.metro-card-image{display:block;width:100%;max-width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;margin:0 0 1.2rem;flex-shrink:0;background:#e8f0ef;border-bottom:1px solid #d7dde5}
.state-directory-image{width:78px;height:44px;object-fit:cover;grid-row:1;grid-column:1;border-radius:3px}
.state-directory-grid>a:has(.state-directory-image){grid-template-columns:78px 42px 1fr 20px}
.state-directory-grid>a:has(.state-directory-image)>span{grid-column:2}
.state-directory-grid>a:has(.state-directory-image)>div{grid-column:3}
.state-directory-grid>a:has(.state-directory-image)>i{grid-column:4}
@media(max-width:600px){.metro-card-image{display:block;width:100%;max-width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;margin:0 0 1.2rem;flex-shrink:0;background:#e8f0ef;border-bottom:1px solid #d7dde5}.state-directory-grid>a:has(.state-directory-image){grid-template-columns:68px 1fr 20px}.state-directory-image{width:68px;height:40px}.state-directory-grid>a:has(.state-directory-image)>span{display:none}.state-directory-grid>a:has(.state-directory-image)>div{grid-column:2}.state-directory-grid>a:has(.state-directory-image)>i{grid-column:3}}

.insight-related{background:#f7f4ed}.insight-related .insight-card-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.insight-related .insight-card h3{font-size:1.35rem;line-height:1.3;margin:1rem 0 .75rem}.insight-related .insight-card h3 a{color:var(--navy)}@media(max-width:900px){.insight-related .insight-card-grid{grid-template-columns:1fr}}
.compare-tool{background:#eef3f6}.comparison-inputs{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1.5rem}.comparison-home{min-width:0;margin:0}.comparison-home legend{float:none;width:auto;padding:0 .5rem;font-family:var(--heading);font-size:1.45rem;font-weight:700;color:var(--navy)}.comparison-home .calc-fields{margin-top:0}.comparison-results{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1.5rem;margin-top:1.5rem}.comparison-results>div{background:var(--navy);color:#fff;padding:1.75rem}.comparison-results span{font-size:.7rem;font-weight:800;letter-spacing:.12em}.comparison-results strong{display:block;color:#fff;font-size:2.2rem;margin:.3rem 0}.comparison-results small{display:block;color:#c5d5df}.comparison-results p{display:flex;justify-content:space-between;gap:1rem;border-top:1px solid rgba(255,255,255,.2);padding-top:.7rem;margin:.8rem 0}.comparison-difference{padding:1.2rem 1.5rem;margin:0;background:#dbe9e7;color:var(--navy);font-weight:700}.comparison-notes{margin-top:2rem;max-width:850px}.comparison-notes h3{font-size:1.4rem}.comparison-notes li{margin:.4rem 0}.comparison-notes p{margin-top:1rem}@media(max-width:900px){.comparison-inputs,.comparison-results{grid-template-columns:1fr}}
.local-research-result{border-top:1px solid var(--line);margin-top:.75rem;padding-top:1rem;overflow-wrap:anywhere}.local-research-result[hidden]{display:none!important}.local-research-result h3{font-size:1.1rem;margin:0 0 .6rem}.local-research-result p,.local-research-result li{font-size:.88rem;line-height:1.6;color:var(--muted)}.local-research-result ol{padding-left:1.25rem;margin:.7rem 0}.local-research-result a{font-size:.88rem;font-weight:700}

[hidden] { display: none !important; }
.directory-controls { display:flex; flex-wrap:wrap; align-items:center; gap:12px; margin:24px 0; padding:20px; background:#f1f5f9; border-radius:12px; }
.directory-controls label { font-weight:700; }
.directory-controls input,.directory-controls select { min-height:44px; padding:10px 12px; border:1px solid #64748b; border-radius:6px; background:#fff; color:#17243b; max-width:100%; }
.directory-controls input { flex:1; min-width:180px; }
.directory-controls p { flex-basis:100%; margin:0; }
.data-table-wrap { overflow:auto; border:1px solid #d1dbe5; border-radius:10px; }
.data-table-wrap:focus-visible { outline:3px solid #002868; outline-offset:3px; }
.housing-table { border-collapse:collapse; width:100%; min-width:800px; font-variant-numeric:tabular-nums; }
.housing-table caption { caption-side:top; text-align:left; padding:16px; color:#334155; }
.housing-table th,.housing-table td { text-align:left; padding:14px 16px; border-bottom:1px solid #d1dbe5; }
.housing-table thead { background:#002868; color:white; }
.housing-table tbody tr:nth-child(even) { background:#f1f5f9; }
.housing-table small { display:block; font-weight:400; margin-top:4px; }
.checklist-toolbar { padding-top:24px; }
.checklist-toolbar button { margin-right:12px; margin-bottom:12px; }
.checklist-grid li label { display:flex; gap:12px; align-items:flex-start; cursor:pointer; }
.checklist-grid input[type=checkbox] { flex:0 0 auto; width:20px; height:20px; margin-top:3px; accent-color:#002868; }
.checklist-grid li:has(input:checked) { background:#edf8ef; }
@media (max-width:600px) { .directory-controls { align-items:stretch; } .directory-controls label { flex-basis:100%; } .directory-controls select { width:100%; } }
@media print { .utility-bar,.site-header,.site-footer,.newsletter,.disclaimer-bar,.checklist-toolbar button,.directory-controls { display:none !important; } .page-hero { background:white !important; color:black !important; padding:16px 0 !important; } .page-hero h1,.page-hero p { color:black !important; } .primary-visual { display:none !important; } .checklist-grid { display:block !important; } .checklist-grid article { break-inside:avoid; margin:12px 0; border:1px solid #aaa; } .section-pad { padding:20px 0 !important; } }


.metro-card{--card-inset:1.35rem;min-width:0}.metro-card>:not(.metro-card-image){margin-left:var(--card-inset);margin-right:var(--card-inset)}.metro-card>span.state-code{align-self:flex-start}.metro-card>b:last-child{margin-bottom:var(--card-inset)}.metro-card>p{overflow-wrap:anywhere}.place-photo-credit{padding:10px 12px;font-size:.72rem;line-height:1.6;color:#e4edf7;background:#102b3f;overflow-wrap:anywhere}.place-photo-credit a{text-decoration:underline}.photo-credits-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;margin-top:32px}.photo-credits-grid figure{margin:0;min-width:0;background:#fff;border:1px solid var(--line)}.photo-credits-grid figcaption{padding:20px;overflow-wrap:anywhere}.photo-credits-grid h2{font-size:1.2rem;margin:0}.photo-credits-grid p{font-size:.88rem}.credit-photo{width:100%;aspect-ratio:16/9;object-fit:cover}@media(max-width:900px){.photo-credits-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:600px){.metro-card{--card-inset:1.15rem}.photo-credits-grid{grid-template-columns:1fr}}

.home-photo-credit{margin-block:12px}.home-photo-credit .place-photo-credit{display:block;border-radius:3px}.directory-photograph{width:100%;aspect-ratio:16/9;object-fit:cover}.hero-home{background-image:none}