:root{--bg:#0b1220;--panel:#111827;--panel-2:#0f172a;--text:#e5e7eb;--muted:#94a3b8;--line:#23314d;--brand:#38bdf8;--brand-2:#22c55e;--white:#fff;--card:#ffffff;--soft:#f8fafc;--ink:#0f172a;--accent:#2563eb;--shadow:0 20px 40px rgba(2,6,23,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#eef2ff}a{color:inherit;text-decoration:none}img{max-width:100%}.container{width:min(1180px,calc(100% - 32px));margin:0 auto}.site-header{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.9);backdrop-filter:blur(14px);border-bottom:1px solid #e2e8f0}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:14px 0}.brand{font-weight:800;letter-spacing:-.03em;font-size:1.1rem}.brand span{color:var(--accent)}.nav{display:flex;flex-wrap:wrap;gap:18px;font-size:.95rem;color:#334155}.nav a:hover{color:var(--accent)}.hero{background:linear-gradient(135deg,#0f172a,#1e293b 55%,#0b3b66);color:var(--text);padding:64px 0 48px}.hero-grid{display:grid;grid-template-columns:1.25fr .8fr;gap:28px;align-items:start}.eyebrow{display:inline-block;border:1px solid rgba(255,255,255,.2);padding:8px 12px;border-radius:999px;color:#cbd5e1;font-size:.8rem}.hero h1{font-size:clamp(2.2rem,5vw,4rem);line-height:1.03;letter-spacing:-.045em;margin:16px 0}.lead{font-size:1.08rem;line-height:1.6;color:#cbd5e1;max-width:62ch}.hero-actions,.pill-row,.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 18px;border-radius:12px;font-weight:700;border:1px solid transparent}.btn-primary{background:#fff;color:#0f172a}.btn-secondary{background:transparent;color:#fff;border-color:rgba(255,255,255,.22)}.pill-row span,.mini-pill{padding:8px 12px;border-radius:999px;background:rgba(255,255,255,.1);font-size:.85rem;color:#dbeafe}.hero-card,.card,.ad-slot{background:#fff;border-radius:20px;box-shadow:var(--shadow);border:1px solid #e2e8f0}.hero-card{padding:24px;color:#0f172a}.hero-card h2{margin-top:0}.hero-card ul{padding-left:18px;line-height:1.8}.section{padding:42px 0}.section h2{font-size:clamp(1.6rem,3vw,2.4rem);letter-spacing:-.03em;margin:0 0 12px}.section p.section-lead{max-width:70ch;color:#475569;line-height:1.7}.grid-main{display:grid;grid-template-columns:360px 1fr;gap:24px;align-items:start}.sticky{position:sticky;top:88px}.card{padding:24px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.form-grid label,.reverse-grid label{display:flex;flex-direction:column;gap:8px;font-size:.92rem;color:#334155;font-weight:600}.form-grid label.full{grid-column:1/-1}.input-wrap{display:flex;align-items:center;border:1px solid #cbd5e1;background:#fff;border-radius:12px;overflow:hidden}.input-wrap span{padding:0 12px;color:#64748b;font-weight:700}.input-wrap input,.input-wrap select,select,input,textarea{width:100%;padding:13px 14px;border:1px solid #cbd5e1;border-radius:12px;font:inherit;background:#fff}input,select,textarea{color:#0f172a}.input-wrap input,.input-wrap select{border:0;border-radius:0}.results-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.stat{padding:18px;border:1px solid #e2e8f0;border-radius:16px;background:#f8fafc}.stat span{display:block;color:#64748b;font-size:.84rem;margin-bottom:8px}.stat strong{font-size:1.25rem;letter-spacing:-.03em}.big{font-size:2.4rem!important}.table{width:100%;border-collapse:collapse}.table td,.table th{padding:14px 10px;border-bottom:1px solid #e2e8f0;text-align:left}.table th{font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:#64748b}.ad-slot{display:flex;align-items:center;justify-content:center;min-height:120px;border:1px dashed #94a3b8;color:#64748b;text-align:center;padding:20px}.leader{min-height:180px;margin:24px auto}.rect{min-height:280px}.stack{display:grid;gap:20px}.reverse-grid{display:grid;grid-template-columns:1fr auto;gap:14px;align-items:end}.compare-grid,.guide-grid,.feature-grid,.faq-grid,.link-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.compare-card,.guide-card,.feature-card,.faq-card,.link-card{padding:22px;border:1px solid #e2e8f0;border-radius:18px;background:#fff;box-shadow:var(--shadow)}.compare-card h3,.guide-card h3,.feature-card h3,.faq-card h3,.link-card h3{margin-top:0;font-size:1.08rem}.muted{color:#64748b}.delta-pos{color:#15803d}.site-footer{background:#0f172a;color:#cbd5e1;padding:40px 0 56px;margin-top:48px}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:24px}.footer-grid h4{color:#fff;margin:0 0 12px}.footer-grid a{display:block;color:#cbd5e1;margin:8px 0}.footer-grid p{line-height:1.7}.article{background:#fff;border-radius:22px;padding:28px;box-shadow:var(--shadow);border:1px solid #e2e8f0}.article h1{font-size:clamp(2rem,4vw,3.2rem);letter-spacing:-.04em;margin:0 0 10px}.article h2{margin-top:34px}.article p,.article li{line-height:1.8;color:#334155}.article .meta{color:#64748b;font-size:.92rem}.breadcrumbs{display:flex;gap:8px;flex-wrap:wrap;color:#64748b;font-size:.92rem;margin-bottom:18px}.notice{padding:16px 18px;background:#eff6ff;border:1px solid #bfdbfe;border-radius:14px;color:#1e3a8a}.calc-links{display:flex;flex-wrap:wrap;gap:12px}.calc-links a{padding:10px 13px;border:1px solid #cbd5e1;border-radius:12px;background:#fff}.small{font-size:.9rem}.center{text-align:center}.hidden{display:none!important}@media (max-width:980px){.hero-grid,.grid-main,.footer-grid{grid-template-columns:1fr}.sticky{position:static}.compare-grid,.guide-grid,.feature-grid,.faq-grid,.link-grid,.results-grid{grid-template-columns:1fr 1fr}.reverse-grid{grid-template-columns:1fr}.nav{display:none}}@media (max-width:680px){.form-grid,.compare-grid,.guide-grid,.feature-grid,.faq-grid,.link-grid,.results-grid{grid-template-columns:1fr}.container{width:min(100% - 20px,1180px)}.hero{padding-top:40px}.big{font-size:2rem!important}}

.hero-home{background:linear-gradient(135deg,#0f172a,#1d4ed8 58%,#0ea5e9);color:#e5eefb;padding:54px 0 34px}
.hero-home .hero-grid{grid-template-columns:1.2fr .9fr}
.hero-home .lead{max-width:58ch}
.score-row{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:20px}
.score{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:14px}
.score strong{display:block;font-size:1.15rem;color:#fff}
.score span{display:block;font-size:.84rem;color:#dbeafe;margin-top:4px}
.trust-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:18px}
.trust-strip .mini{background:#fff;border:1px solid #dbeafe;border-radius:16px;padding:16px;box-shadow:var(--shadow)}
.quick-links{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.quick-links a{display:block;background:#fff;border:1px solid #e2e8f0;border-radius:18px;padding:18px;box-shadow:var(--shadow)}
.quick-links p{margin:8px 0 0;color:#64748b;font-size:.95rem}
.content-grid{display:grid;grid-template-columns:2fr 1fr;gap:20px}
.list-clean{margin:0;padding-left:18px;color:#334155;line-height:1.8}
.aside-card{background:#fff;border:1px solid #e2e8f0;border-radius:20px;box-shadow:var(--shadow);padding:22px}
.salary-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.salary-grid a{display:block;background:#fff;border:1px solid #e2e8f0;border-radius:16px;padding:18px;box-shadow:var(--shadow)}
.salary-grid strong{display:block;font-size:1.05rem}
.salary-grid span{display:block;color:#64748b;margin-top:6px;font-size:.92rem}
.callout{background:#eff6ff;border:1px solid #bfdbfe;color:#1e3a8a;border-radius:16px;padding:16px 18px}
.install-steps code,.article code{background:#eff6ff;padding:2px 6px;border-radius:8px}
.faq-plain details{background:#fff;border:1px solid #e2e8f0;border-radius:16px;padding:16px 18px;box-shadow:var(--shadow)}
.faq-plain{display:grid;gap:12px}
.faq-plain summary{cursor:pointer;font-weight:700}
.table-tight td{padding:10px 8px}
@media (max-width:980px){.trust-strip,.quick-links,.salary-grid,.score-row,.content-grid{grid-template-columns:1fr 1fr}}
@media (max-width:680px){.trust-strip,.quick-links,.salary-grid,.score-row,.content-grid{grid-template-columns:1fr}}

.nav a.active{color:var(--accent);font-weight:700}
.hero-actions .btn-secondary{background:transparent;color:#fff;border-color:rgba(255,255,255,.24)}
.leader{padding:22px;text-align:center}
.aside-card .btn{margin-top:10px}

.graph-card{padding:0;overflow:hidden}
.graph-top{display:grid;grid-template-columns:200px 1fr;gap:18px;align-items:center;padding:24px}
.graph-summary p{margin:0 0 8px}.graph-bar{height:16px;border-radius:999px;background:#e2e8f0;overflow:hidden;display:flex;margin:12px 0 16px}.graph-segment{height:100%}.seg-net{background:#22c55e}.seg-tax{background:#2563eb}.seg-medicare{background:#7c3aed}.seg-loan{background:#f59e0b}.graph-legend{display:grid;grid-template-columns:1fr 1fr;gap:10px}.legend-item{display:grid;grid-template-columns:auto 1fr auto;gap:8px;align-items:center;padding:10px 12px;border:1px solid #e2e8f0;border-radius:14px;background:#fff}.legend-swatch{width:12px;height:12px;border-radius:999px;display:inline-block}.donut-wrap{display:flex;justify-content:center;align-items:center}.donut-label{font-size:10px;fill:#64748b;font-weight:600}.donut-value{font-size:16px;fill:#0f172a;font-weight:800}.results-grid.compact{grid-template-columns:repeat(4,1fr)}.section-sub{color:#64748b;margin-top:0}.ad-cluster{display:grid;grid-template-columns:1fr 320px;gap:20px;align-items:start}.sticky-ad{position:sticky;top:88px;min-height:620px}.sticky-mobile-ad{position:fixed;left:0;right:0;bottom:0;z-index:20;background:rgba(15,23,42,.96);color:#fff;padding:10px 14px;border-top:1px solid rgba(255,255,255,.12);display:none;text-align:center}.sticky-mobile-ad small{display:block;color:#cbd5e1}.hero-panel{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:20px}.hero-panel .mini-card{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:14px}.hero-panel strong{display:block;font-size:1.12rem;color:#fff}.hero-panel span{display:block;color:#dbeafe;font-size:.84rem;margin-top:4px}.feature-list{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.feature-list .feature-card{box-shadow:none}.cta-box{background:linear-gradient(135deg,#dbeafe,#eff6ff);border:1px solid #bfdbfe;border-radius:20px;padding:22px}.note{font-size:.92rem;color:#64748b}@media (max-width:980px){.graph-top,.ad-cluster,.hero-panel,.feature-list{grid-template-columns:1fr 1fr}.sticky-ad{position:static;min-height:280px}}@media (max-width:680px){.graph-top,.graph-legend,.hero-panel,.feature-list,.results-grid.compact{grid-template-columns:1fr}.sticky-mobile-ad{display:block} body{padding-bottom:76px}}


/* 2026 usability refresh */
:root{--page:#f4f7fb;--surface:#ffffff;--surface-2:#f8fbff;--border:#dbe5f1;--text-2:#475569;--brand-dark:#1d4ed8;--radius:22px;--shadow-soft:0 14px 32px rgba(15,23,42,.07)}
body{background:linear-gradient(180deg,#f8fbff 0,#eef4ff 280px,#f5f7fb 100%);color:#0f172a}
.site-header{background:rgba(255,255,255,.94);box-shadow:0 8px 24px rgba(15,23,42,.04)}
.header-inner{padding:12px 0}
.brand{font-size:1.28rem;white-space:nowrap}
.nav{gap:10px;align-items:center}
.nav a{padding:10px 14px;border-radius:999px;transition:.18s ease;color:#334155}
.nav a:hover,.nav a.active{background:#eff6ff;color:#1d4ed8}
.hero-home{padding:46px 0 26px;background:radial-gradient(circle at top right,rgba(125,211,252,.45),transparent 24%),linear-gradient(135deg,#0f172a 0%,#1e40af 57%,#0ea5e9 100%)}
.hero-home .hero-grid{gap:22px;align-items:stretch}
.hero-home h1{font-size:clamp(2.1rem,4.8vw,3.8rem);margin:14px 0 12px;line-height:1.02}
.hero-home .lead{font-size:1.06rem;max-width:56ch}
.hero-card,.card,.article,.aside-card,.ad-slot,.trust-strip .mini,.quick-links a,.salary-grid a{box-shadow:var(--shadow-soft)}
.hero-card{display:flex;flex-direction:column;justify-content:space-between}
.hero-card ul{margin:0;padding-left:20px}
.callout{background:#f8fbff;border-color:#cfe2ff}
.hero-panel .mini-card{background:rgba(255,255,255,.12)}
.section{padding:34px 0}
.section h2{margin-bottom:8px}
.section-sub{margin-bottom:14px}
.quick-start{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:10px}
.quick-step{background:#fff;border:1px solid var(--border);border-radius:18px;padding:18px 18px 16px;box-shadow:var(--shadow-soft)}
.quick-step .num{display:inline-flex;width:34px;height:34px;border-radius:999px;background:#dbeafe;color:#1d4ed8;align-items:center;justify-content:center;font-weight:800;margin-bottom:10px}
.quick-step h3{margin:0 0 6px;font-size:1.04rem}
.quick-step p{margin:0;color:var(--text-2);line-height:1.55}
.trust-strip{margin-top:0}
.grid-main{grid-template-columns:minmax(300px,370px) 1fr;gap:20px}
.card{border-radius:var(--radius);padding:22px}
.form-grid{gap:16px}
.form-grid label,.reverse-grid label{font-size:.9rem}
.form-grid label span,.reverse-grid label span{font-weight:800;color:#1e293b}
input,select,textarea,.input-wrap{border-color:#cfd8e3}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(59,130,246,.14);border-color:#60a5fa}
.input-wrap:focus-within{outline:3px solid rgba(59,130,246,.14);border-color:#60a5fa}
.input-wrap input{font-weight:700}
.results-grid.compact{grid-template-columns:repeat(4,1fr)}
.stat{background:linear-gradient(180deg,#fff 0,#f8fbff 100%);border-color:#e3ebf3;min-height:122px}
.stat span{font-size:.8rem;text-transform:uppercase;letter-spacing:.03em}
.stat strong{font-size:1.35rem}
.big{font-size:2.5rem!important}
.table-tight td{font-size:.98rem}
.graph-card{background:linear-gradient(180deg,#ffffff 0,#f8fbff 100%)}
.graph-top{padding:22px}
.legend-item strong{font-size:.94rem}
.ad-slot{background:linear-gradient(180deg,#fbfdff 0,#f5f9ff 100%);border:1.5px dashed #b7c7dd;border-radius:18px}
.leader{min-height:150px}
.rect{min-height:220px}
.sticky-ad{border-radius:22px}
.article p,.article li{color:#475569}
.content-grid{align-items:start}
.aside-card{position:sticky;top:88px}
.faq-plain details{box-shadow:none;background:#fbfdff}
.footer-grid a{opacity:.95}
.footer-grid a:hover{color:#fff}
.sticky-mobile-ad{backdrop-filter:blur(12px)}
@media (max-width:1100px){.results-grid.compact{grid-template-columns:repeat(2,1fr)}.quick-start{grid-template-columns:1fr 1fr}.aside-card{position:static}}
@media (max-width:980px){.nav{display:flex;overflow:auto;white-space:nowrap;padding-bottom:2px}.header-inner{align-items:flex-start;flex-direction:column}.hero-home .hero-grid,.content-grid,.ad-cluster{grid-template-columns:1fr}.sticky-ad{display:none}.graph-top{grid-template-columns:1fr}.hero-panel{grid-template-columns:repeat(2,1fr)}}
@media (max-width:680px){.container{width:min(100% - 18px,1180px)}.hero-home{padding-top:28px}.hero-actions .btn{width:100%}.nav{width:100%;gap:8px}.nav a{font-size:.92rem;padding:9px 12px}.quick-start,.trust-strip,.quick-links,.salary-grid,.results-grid.compact,.hero-panel{grid-template-columns:1fr}.grid-main{grid-template-columns:1fr}.card{padding:18px}.big{font-size:2.15rem!important}.stat{min-height:unset}}