/* Shared accessibility, readability and conversion improvements */
html{-webkit-text-size-adjust:100%;text-size-adjust:100%}
body{overflow-wrap:break-word}
:where(button,input,select,textarea){font:inherit}
:where(button,.btn,[class*="btn"],[class*="button"]){min-height:44px}
:where(a,button,input,select,textarea):focus-visible{outline:3px solid #7c3aed!important;outline-offset:3px!important}
img{height:auto}
.site-trust-links{border-top:1px solid rgba(90,90,90,.22);padding:1rem 1.25rem;text-align:center;font:600 .84rem/1.6 system-ui,sans-serif;background:rgba(255,255,255,.72);color:#334155}
.site-trust-links a{display:inline-block;margin:.15rem .55rem;color:inherit;text-decoration:underline;text-underline-offset:3px}
@media(max-width:720px){body{font-size:16px!important;line-height:1.62!important}h1{font-size:clamp(2rem,10vw,3.25rem)!important;line-height:1.08!important}main{overflow:hidden}:where(button,.btn,[class*="btn"],[class*="button"]){min-height:46px}}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{scroll-behavior:auto!important;animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}}

/* 2026 calm, authoritative benefits guidance */
:root{--navy:#102949!important;--navy2:#173e67!important;--red:#2f6fae!important;--red-light:#eaf3fb!important;--red-mid:#73aee0!important;--gold:#c99a3d!important;--bg:#f4f7fa!important;--text:#19334d!important;--text2:#536a7f!important}
header{border-bottom-color:#4b86bd!important}.logo-accent{color:#73aee0!important}
.hero{background:linear-gradient(145deg,#102949 0%,#24425f 60%,#283848 100%)!important}
.hero h1 em{color:#84bcea!important}.hero-pill{color:#9bc9ef!important;border-color:rgba(115,174,224,.45)!important;background:rgba(47,111,174,.18)!important}
.hero-actions{display:flex;justify-content:center;gap:12px;flex-wrap:wrap;margin:-12px 0 28px}
.hero-cta{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 20px;border-radius:9px;font-size:14px;font-weight:800;text-decoration:none}
.hero-cta.primary{background:#73aee0;color:#0d2741}.hero-cta.primary:hover{background:#9cccf1}
.hero-cta.secondary{border:1px solid rgba(255,255,255,.38);background:rgba(255,255,255,.06);color:#fff}.hero-cta.secondary:hover{background:rgba(255,255,255,.13)}
.guidance-strip{display:grid;grid-template-columns:minmax(260px,.9fr) minmax(420px,1.5fr);gap:28px;padding-top:34px!important;padding-bottom:26px!important}
.guidance-copy>p{text-transform:uppercase;letter-spacing:.1em;font-size:11px;font-weight:800;color:var(--red);margin:0 0 5px}
.guidance-copy h2{font-family:'Playfair Display',serif;font-size:clamp(24px,3vw,32px);line-height:1.15;color:var(--navy);margin:0 0 9px}
.guidance-copy span{font-size:13px;line-height:1.55;color:var(--text2)}
.guidance-links{display:grid;grid-template-columns:repeat(3,1fr);gap:11px}
.guidance-links a{display:flex;flex-direction:column;gap:5px;background:#fff;border:1px solid var(--border);border-radius:12px;padding:17px;text-decoration:none;box-shadow:var(--shadow-sm)}
.guidance-links a:hover{border-color:var(--red);transform:translateY(-2px)}
.guidance-links strong{font-size:14px;color:var(--navy)}.guidance-links small{font-size:12px;line-height:1.45;color:var(--text2)}
#calculator{scroll-margin-top:86px}.calc-head{background:var(--navy)!important}
@media(max-width:850px){.guidance-strip{grid-template-columns:1fr}.guidance-links{grid-template-columns:1fr}}
@media(max-width:640px){.hero-cta{width:100%}.guidance-strip{padding-top:26px!important}}

/* Header nav: 8 items fit on mid-size screens */
@media(max-width:900px){.header-inner{padding:0 14px}.top-nav{gap:0}.top-nav a{padding:6px 7px;font-size:12px}}
@media(max-width:760px){.top-nav a[href="/privacy-policy.html"],.top-nav a[href="/terms.html"],.top-nav a[href="/disclaimer.html"]{display:none}}
/* Related guides lists (state pages and 50-state hub) */
.related-heading{font-family:'Playfair Display',serif;font-size:22px;font-weight:600;color:var(--navy,#0d1f3c);margin:32px 0 16px}
.related-list{list-style:none;display:grid;gap:10px;margin:0 0 28px;padding:0}
.related-list li{background:#fff;border:1.5px solid var(--border,#dde5ef);border-radius:10px;padding:14px 18px}
.related-list a{font-weight:700;color:var(--navy,#0d1f3c);text-decoration:none}
.related-list a:hover{color:#2f6fae;text-decoration:underline}
.related-list span{display:block;font-size:13px;color:var(--text2,#536a7f);margin-top:2px}