/* AutoRateInsider • responsive editorial design */
:root{--ink:#122b39;--navy:#0c2533;--navy2:#173b49;--orange:#fa6847;--orange2:#eb5837;--paper:#f8f8f3;--mint:#eaf2ed;--sage:#dae8de;--cream:#faf6ed;--text:#344c56;--muted:#71818a;--rule:#dce4df;--white:#fff;--width:1200px;--radius:18px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;color:var(--ink);font-family:'DM Sans',Arial,sans-serif;background:#fff;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}button,input{font:inherit}img{max-width:100%;display:block}h1,h2,h3,h4,p{margin-top:0}h1,h2,h3,h4{font-family:'Outfit','DM Sans',sans-serif;letter-spacing:-.045em}h1,h2{font-weight:650}h2{font-size:clamp(2.5rem,4.6vw,4.75rem);line-height:1.05}h3{font-size:1.4rem}p{line-height:1.7}.shell{width:min(var(--width),calc(100% - 64px));margin:auto}.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}.skip-link{position:absolute;left:16px;top:-100px;z-index:500;background:white;color:var(--ink);padding:12px}.skip-link:focus{top:10px}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid var(--orange);outline-offset:3px}.utility{height:31px;background:var(--ink);color:#d7e6e7;font-size:10px;letter-spacing:.14em;font-weight:700}.utility-flex{height:100%;display:flex;justify-content:space-between;align-items:center}.utility a{text-decoration:underline;text-underline-offset:3px;letter-spacing:0;font-weight:500;font-size:11px}.tiny-star{color:#ffad85;margin-right:8px}.site-header{background:#fff;position:sticky;top:0;z-index:100;box-shadow:0 1px 0 rgba(16,45,53,.08)}.header-inner{height:89px;display:flex;align-items:center;gap:30px}.brand{display:flex;align-items:center;gap:10px;flex-shrink:0}.brand-mark{font-family:'Outfit',sans-serif;font-size:48px;line-height:.8;font-weight:800;letter-spacing:-.16em;background:var(--orange);border-radius:9px;display:flex;align-items:center;justify-content:center;color:white;width:52px;height:52px;padding-right:9px;padding-bottom:8px;position:relative}.brand-dot{color:#173b49;font-size:44px;margin-left:1px}.brand-name{font-family:'Outfit',sans-serif;font-weight:700;font-size:25px;letter-spacing:-.055em;line-height:1}.brand-name>span{color:var(--orange)}.brand-name small{display:block;font-family:'DM Sans',sans-serif;font-size:8px;color:#869299;letter-spacing:.16em;font-weight:700;margin-top:7px}.desktop-nav{display:flex;gap:28px;align-items:center;margin-left:auto}.nav-link{font-size:13px;font-weight:700;color:#526773;transition:color .2s}.nav-link:hover,.nav-link.is-active{color:var(--orange)}.header-cta{padding:13px 20px!important;font-size:12px!important;white-space:nowrap}.btn{display:inline-flex;align-items:center;justify-content:center;gap:22px;border-radius:8px;border:0;font-family:'DM Sans',sans-serif;font-size:13px;font-weight:800;letter-spacing:.005em;cursor:pointer;padding:17px 23px;transition:transform .2s,background .2s,box-shadow .2s;min-height:50px}.btn:hover{transform:translateY(-2px);box-shadow:0 10px 30px rgba(11,37,48,.12)}.btn-dark{background:var(--ink);color:white}.btn-dark:hover{background:#264b5b}.btn-orange{background:var(--orange);color:white}.btn-orange:hover{background:var(--orange2)}.btn-outline{border:1px solid var(--ink);background:transparent;color:var(--ink)}.btn-outline:hover{background:var(--ink);color:white}.menu-toggle{display:none}.mobile-nav{display:none}.kicker,.eyebrow{font-family:'DM Sans',sans-serif;font-size:11px;font-weight:800;letter-spacing:.18em;color:var(--orange)}.kicker{display:block;margin-bottom:22px}.kicker-light{color:#ffb090}.eyebrow-line{display:inline-block;width:27px;height:2px;background:var(--orange);vertical-align:middle;margin-right:7px}em{font-style:normal;color:var(--orange)}.section{padding:106px 0}.section-heading{display:flex;justify-content:space-between;gap:50px;align-items:center;margin-bottom:43px}.section-heading h2{margin-bottom:0}.section-heading>p{max-width:335px;color:var(--text);font-size:16px}.section-heading.align-bottom{align-items:flex-end}.underlined-link{font-weight:800;border-bottom:1px solid var(--ink);padding-bottom:6px;font-size:13px;white-space:nowrap}.underlined-link:hover{color:var(--orange);border-color:var(--orange)}
/* hero */
.hero{background:#f0f4ee;overflow:hidden;padding:65px 0 84px}.hero-grid{display:grid;grid-template-columns:1.04fr .96fr;align-items:center;gap:55px}.hero-copy{position:relative;z-index:1}.hero-eyebrow{margin-bottom:28px}.hero h1{font-size:clamp(3.65rem,6.1vw,6.15rem);line-height:1.025;letter-spacing:-.068em;margin-bottom:28px}.hero h1 em{font-style:italic;font-weight:500}.hero-copy>p{font-size:17px;max-width:510px;color:#526a72;margin-bottom:35px;line-height:1.68}.hero-quote-panel{background:white;box-shadow:0 12px 44px rgba(29,57,51,.07);border:1px solid rgba(29,57,51,.07);border-radius:14px;padding:22px;max-width:550px}.hero-panel-heading{font-size:10px;letter-spacing:.14em;font-weight:800;margin-bottom:13px}.pulse{display:inline-block;background:#64a78a;width:7px;height:7px;border-radius:100%;margin-right:7px}.zip-form{display:flex;gap:9px}.zip-input-wrap{position:relative;flex:1;min-width:0}.zip-input-wrap>span{position:absolute;top:50%;left:17px;transform:translateY(-50%);color:var(--orange);font-size:20px;pointer-events:none}.zip-form input{width:100%;height:54px;border:1px solid #d9e2dd;background:#f8faf8;border-radius:8px;padding:0 12px 0 43px;color:var(--ink);font-size:13px;outline:0}.zip-form input:focus{border-color:var(--orange);box-shadow:0 0 0 3px rgba(250,104,71,.15)}.zip-form>.btn{white-space:nowrap}.form-fineprint{color:#89989e;font-size:10px;margin:12px 0 0;line-height:1.5}.form-fineprint a{text-decoration:underline}.hero-note{display:flex;align-items:center;gap:9px;font-size:12px;color:#5c7277;margin-top:18px;font-weight:600}.note-icon{border:1px solid #91baa7;border-radius:50%;color:#4f9275;height:20px;width:20px;display:grid;place-items:center;font-size:11px}.hero-visual{position:relative;padding:20px 14px 20px 0}.hero-photo{height:580px;position:relative;border-radius:160px 14px 14px 14px;overflow:hidden}.hero-photo:after{content:'';position:absolute;inset:0;background:linear-gradient(180deg,transparent 48%,rgba(2,17,26,.65) 100%)}.hero-photo img{width:100%;height:100%;object-fit:cover;object-position:center}.photo-stamp{position:absolute;bottom:34px;left:34px;color:white;z-index:1}.stamp-line{display:block;font-size:12px;letter-spacing:.2em;font-weight:800}.photo-stamp strong{display:block;font-family:Outfit,sans-serif;font-size:34px;letter-spacing:-.03em}.photo-stamp small{display:block;opacity:.83;font-size:11px;letter-spacing:.07em}.floating-sticker{position:absolute;bottom:-24px;right:-18px;background:white;box-shadow:0 15px 55px rgba(6,34,42,.15);border-radius:12px;display:flex;align-items:center;gap:13px;padding:17px 20px;z-index:2}.sticker-icon{font-size:30px;color:var(--orange)}.floating-sticker strong{display:block;font-family:Outfit,sans-serif;letter-spacing:-.025em;font-size:13px;line-height:1.2}.floating-sticker small{font-size:10px;color:var(--muted)}
.benefit-strip{border-bottom:1px solid #e6ede7;background:white}.strip-grid{display:grid;grid-template-columns:repeat(3,1fr)}.strip-grid>div{min-height:105px;display:flex;flex-direction:column;justify-content:center;padding-left:50px;position:relative}.strip-grid>div:not(:last-child){border-right:1px solid #e4ece6}.benefit-symbol{position:absolute;left:0;top:35px;color:var(--orange);font-family:Outfit,sans-serif;font-size:24px;font-weight:700}.strip-grid strong{font-size:13px}.strip-grid small{color:#8a9698;font-size:12px;margin-top:6px}.start-section{background:white}.path-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.path-card{min-height:313px;padding:30px 30px 25px;background:#f2f6f1;border-radius:12px;display:flex;flex-direction:column;transition:transform .2s,background .2s}.path-card:hover{transform:translateY(-5px);background:#e5efe8}.path-card:nth-child(2){background:#faf2e9}.path-card:nth-child(2):hover{background:#fbe7d8}.path-card:nth-child(3){background:#eef3f5}.path-num{color:#7d9990;font-weight:800;font-size:10px;letter-spacing:.14em}.path-icon{margin:27px 0 8px;color:var(--orange);font-size:28px}.path-card h3{font-size:25px;line-height:1.11;margin-bottom:13px}.path-card p{font-size:13px;color:#647880;line-height:1.65}.path-card>span:last-child{font-size:12px;font-weight:800;margin-top:auto}.editorial-section{background:#fbfaf5}.editorial-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:100px;align-items:center}.editorial-photo{height:510px;position:relative;border-radius:14px;overflow:hidden}.editorial-photo img{width:100%;height:100%;object-fit:cover}.image-caption{position:absolute;bottom:20px;left:20px;padding:12px 15px;background:#fff;color:var(--ink);font-size:10px;font-weight:800;letter-spacing:.15em}.editorial-copy h2{margin-bottom:25px}.editorial-copy>p{font-size:16px;color:#5f7378;margin-bottom:28px}.editorial-signoff{margin-top:33px;padding-top:22px;border-top:1px solid #dae1da;font-size:12px;font-style:italic;color:#8a989a}.articles-section{background:white}.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:45px 22px}.article-card{display:block;min-width:0}.article-card:hover .card-photo img{transform:scale(1.055)}.card-photo{height:236px;position:relative;border-radius:10px;overflow:hidden;background:#e9eeeb}.card-photo img{width:100%;height:100%;object-fit:cover;transition:transform .45s}.photo-arrow{position:absolute;right:12px;top:12px;background:white;color:var(--ink);width:34px;height:34px;display:grid;place-items:center;border-radius:50%;font-weight:700}.article-card-body{padding-top:20px}.cat-label{font-size:10px;color:#e46d51}.label-dot{color:#bcc7c6;margin:0 6px}.article-card h3{font-size:24px;line-height:1.16;letter-spacing:-.045em;margin:12px 0}.article-card p{color:#71818a;font-size:13px;line-height:1.65;margin-bottom:15px}.text-link{font-size:12px;font-weight:800;border-bottom:1px solid #83949a;padding-bottom:4px}.checklist-section{background:var(--ink);color:white}.checklist-grid{display:grid;grid-template-columns:1fr 1fr;gap:100px;align-items:center}.checklist-grid h2{font-size:clamp(2.8rem,5vw,5.1rem)}.checklist-grid h2 em{font-style:italic}.checklist-grid>div:first-child>p{max-width:455px;color:#c3d2d5;font-size:16px}.checklist-progress{font-size:12px;color:#bdcdd1;margin-top:40px}.checklist-progress strong{color:white;font-size:18px}.progress-track{background:#35515a;height:6px;border-radius:9px;overflow:hidden;margin-top:14px;max-width:330px}.progress-track>span{display:block;width:0;height:100%;background:var(--orange);transition:width .2s}.checklist-paper{border-radius:14px;background:white;padding:34px;color:var(--ink);box-shadow:0 20px 60px #071f2b3b}.paper-label{font-size:11px;font-weight:800;letter-spacing:.14em;display:block;margin-bottom:20px}.checklist-paper label{display:flex;gap:12px;align-items:flex-start;border-top:1px solid #e7eae8;padding:15px 0;color:#425762;font-size:13px;line-height:1.5;cursor:pointer}.checklist-paper input{accent-color:var(--orange);width:18px;height:18px;flex-shrink:0;margin:1px 0}.checklist-paper label:has(input:checked) span{color:#95a2a5;text-decoration:line-through}.btn-full{width:100%;margin-top:17px}.coverage-section{background:#fafaf6}.coverage-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}.coverage-grid>a{min-height:235px;background:white;border:1px solid #e7eae6;border-radius:11px;padding:25px;display:flex;flex-direction:column;transition:background .2s,transform .2s}.coverage-grid>a:hover{background:var(--mint);transform:translateY(-3px)}.coverage-index{font-family:Outfit,sans-serif;color:var(--orange);font-size:30px;font-weight:700}.coverage-grid h3{font-size:23px;margin:18px 0 8px}.coverage-grid p{font-size:12px;color:#74858b;line-height:1.6}.coverage-grid a>span:last-child{margin-top:auto;font-size:11px;font-weight:800}.quote-feature{background:#fff;padding-top:45px}.quote-feature-inner{display:grid;grid-template-columns:1fr .87fr;align-items:center;min-height:440px;background:#153f4a;color:white;border-radius:15px;overflow:hidden}.quote-feature-inner>div:first-child{padding:60px 70px}.quote-feature-inner h2{font-size:clamp(2.6rem,4.3vw,4.3rem);margin:0 0 25px}.quote-feature-inner h2 em{font-style:italic}.quote-feature-inner p{color:#c0d1d4;font-size:14px;margin-bottom:24px}.quote-feature-image{height:100%}.quote-feature-image img{width:100%;height:100%;object-fit:cover}.faq-section{background:white}.faq-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:100px}.faq-grid>div:first-child>p{color:#73848b}.faq-list details{border-bottom:1px solid #dce4e3;padding:19px 0}.faq-list summary{list-style:none;cursor:pointer;font-weight:800;font-size:15px;display:flex;justify-content:space-between;gap:20px}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:'+';font-size:22px;color:var(--orange);line-height:1}.faq-list details[open] summary:after{content:'−'}.faq-list details p{font-size:13px;color:#6e8188;margin:15px 20px 0 0}
/* footer */
.footer{background:#09222f;color:#d2e1e3;padding:67px 0 25px}.footer-top{display:grid;grid-template-columns:1fr 1.3fr;gap:80px}.brand-light .brand-name{color:white}.brand-light .brand-name>span{color:var(--orange)}.footer-brand>p{max-width:335px;font-size:13px;color:#98b0b8;margin-top:24px}.footer-links{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}.footer-links h4{font-family:'DM Sans',sans-serif;font-size:12px;letter-spacing:.09em;color:white;margin:0 0 20px}.footer-links a{font-size:12px;color:#a3bbc1;display:block;margin:0 0 13px}.footer-links a:hover{color:#fff}.footer-disclaimer{font-size:10px;line-height:1.8;color:#83a0ab;margin-top:45px;border-top:1px solid #1c3a48;padding-top:24px}.footer-bottom{display:flex;justify-content:space-between;border-top:1px solid #1c3a48;padding-top:22px;margin-top:24px;color:#809aa6;font-size:11px}
/* inner pages */
.subhero{background:#ecf3ee;padding:94px 0 99px}.subhero h1{font-size:clamp(3.3rem,7vw,6.8rem);line-height:1.02;margin-bottom:22px}.subhero h1 em{font-style:italic}.subhero p{font-size:17px;max-width:680px;color:#5d747b}.library{background:white}.library-controls{display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap;margin-bottom:40px}.filter-row{display:flex;gap:8px;flex-wrap:wrap}.filter-chip{border-radius:30px;padding:10px 15px;border:1px solid #d9e5df;background:white;color:#607680;cursor:pointer;font-size:11px;font-weight:800}.filter-chip:hover,.filter-chip.selected{background:var(--ink);color:white;border-color:var(--ink)}.search-field{display:flex;align-items:center;border:1px solid #dbe4e1;border-radius:8px;padding-right:13px;color:#98a6a5;background:#fafbf9;min-width:225px}.search-field input{border:0;background:transparent;padding:12px 15px;outline:0;width:100%;min-width:0;font-size:12px}.search-field:focus-within{outline:2px solid #f9ad98}.library-grid>.filterable-article[hidden]{display:none}.empty-state{background:#f5f7f5;padding:40px;text-align:center;color:#71818a}.article-hero{background:#f8faf6;padding:36px 0 0}.breadcrumbs{display:flex;gap:13px;align-items:center;flex-wrap:wrap;font-size:11px;color:#758990;margin-bottom:65px}.breadcrumbs a:hover{color:var(--orange)}.article-headline{max-width:930px;margin:0 auto 43px;text-align:center}.article-headline h1{font-size:clamp(3rem,6vw,5.3rem);line-height:1.07;margin:17px 0 22px}.article-headline p{max-width:640px;margin:0 auto;color:#617882;font-size:17px}.article-hero-image{height:460px;overflow:hidden;border-radius:14px 14px 0 0;background:#e5eee9}.article-hero-image img{width:100%;height:100%;object-fit:cover}.article-main{padding:65px 0 90px}.article-layout{display:grid;grid-template-columns:245px minmax(0,710px);gap:95px;justify-content:center}.table-of-contents{position:sticky;top:134px;align-self:start;display:flex;flex-direction:column;gap:13px}.table-of-contents .kicker{margin-bottom:9px}.table-of-contents>a:not(.toc-quote){font-size:12px;color:#657983;line-height:1.45;padding-left:15px;border-left:2px solid #e1e9e4}.table-of-contents>a:hover{color:var(--orange);border-color:var(--orange)}.table-of-contents .toc-quote{border-top:1px solid #dce7e1;margin-top:16px;padding-top:19px;color:var(--orange);font-weight:800;font-size:13px}.article-prose{font-size:16px;color:#516971;line-height:1.8}.article-intro{border-left:4px solid var(--orange);background:#f7f9f5;padding:22px 25px;margin-bottom:42px}.article-intro strong{letter-spacing:.14em;font-size:10px;color:var(--orange)}.article-intro p{margin:9px 0 0;font-size:16px}.article-section{margin-bottom:41px;scroll-margin-top:130px}.article-section h2{color:var(--ink);font-size:32px;line-height:1.2;margin-bottom:17px;letter-spacing:-.035em}.article-section p{margin-bottom:16px}.article-section ul{padding-left:20px}.article-section li{margin-bottom:10px}.source-note{background:#edf4ef;padding:21px 25px;border-radius:9px;font-size:12px;color:#5e7580;line-height:1.6;margin-top:30px}.source-note strong{color:var(--ink)}.source-note p{margin:5px 0 0}.source-note a{text-decoration:underline;text-underline-offset:3px}.article-bottom-cta{background:var(--ink);border-radius:12px;padding:37px;color:white;margin-top:39px}.article-bottom-cta h3{font-size:30px;margin-bottom:12px}.article-bottom-cta p{color:#b2c6cb;font-size:13px}.article-bottom-cta .kicker{font-size:10px;margin-bottom:13px}.related-section{background:#fafaf7}.related-grid{grid-template-columns:repeat(2,1fr);max-width:860px}.compare-hero{background:#123542;color:white;padding:86px 0}.compare-hero-grid{display:grid;grid-template-columns:1fr .85fr;gap:70px;align-items:center}.compare-hero h1{font-size:clamp(3.4rem,5.6vw,6rem);line-height:1.05;margin-bottom:24px}.compare-hero h1 em{font-style:italic}.compare-hero-grid>div:first-child>p{font-size:17px;color:#bfd0d5;max-width:570px;margin-bottom:34px}.compare-hero-photo{height:580px;border-radius:180px 12px 12px 12px;overflow:hidden;position:relative}.compare-hero-photo img{width:100%;height:100%;object-fit:cover}.compare-hero-photo:after{content:'';position:absolute;inset:0;background:linear-gradient(0deg,rgba(4,27,36,.7),transparent 45%)}.photo-stat{position:absolute;bottom:30px;left:27px;z-index:2}.photo-stat span{color:#f5ad91;display:block;font-size:10px;font-weight:800;letter-spacing:.14em;margin-bottom:8px}.photo-stat strong{font-family:Outfit,sans-serif;line-height:1.16;font-size:28px}.compare-form-panel{background:white;color:var(--ink);padding:25px;border-radius:14px}.compare-form-panel h2{font-size:27px;letter-spacing:-.035em;margin-bottom:6px}.compare-form-panel>p{font-size:12px;color:#819197;margin-bottom:20px}.compare-fineprint{font-size:10px;color:#829398;margin-top:12px;line-height:1.6}.compare-fineprint a{text-decoration:underline}.simple-card{background:#f2f7f4;border-radius:12px;padding:32px;min-height:205px}.simple-card>span{color:var(--orange);font-size:26px;font-weight:700;font-family:Outfit}.simple-card h3{font-size:23px;margin:18px 0 10px}.simple-card p{font-size:13px;color:#74858a}.compare-education{background:#fbfaf6}.compare-education-grid{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:center}.compare-education-grid img{width:100%;height:430px;object-fit:cover;border-radius:12px}.compare-education-grid p{color:#71838b;font-size:15px;margin-bottom:25px}.definition-layout,.definitions-layout{display:grid;grid-template-columns:.83fr 1.17fr;gap:95px}.definition-intro{position:sticky;top:145px;align-self:start}.definition-intro>p{color:#70848b;margin-bottom:26px}.definition-cards{display:grid;gap:17px}.definition-card{border:1px solid #dee8e4;padding:32px 35px;border-radius:12px;scroll-margin-top:124px}.definition-card>span{color:var(--orange);font-weight:800;font-size:10px;letter-spacing:.14em}.definition-card h3{font-size:26px;margin:16px 0 9px}.definition-card p{color:#71858b;font-size:14px;margin:0}.small-cta-section{padding-top:0}.small-cta{background:#173c49;border-radius:12px;padding:50px 60px;color:white;display:flex;align-items:center;justify-content:space-between;gap:40px}.small-cta h2{font-size:34px;margin-bottom:10px}.small-cta p{font-size:13px;color:#b5cad0;margin:0}.state-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.state-card{border:1px solid #dce7e2;border-radius:10px;padding:23px;min-height:130px;display:flex;flex-direction:column;gap:5px;transition:background .2s}.state-card:hover{background:#eaf2ed}.state-abbrev{color:var(--orange);font-family:Outfit,sans-serif;font-size:25px;font-weight:750}.state-card strong{font-family:Outfit,sans-serif;font-size:20px}.state-card span:last-child{font-size:11px;color:#71858b;margin-top:auto}.state-note-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:50px}.state-note{background:#f7f9f6;border-radius:10px;padding:30px;scroll-margin-top:130px}.state-note>div{display:flex;align-items:baseline;gap:14px}.state-note h3{font-size:24px;margin:0}.state-note p{font-size:13px;color:#6b8087}.state-note a{font-size:12px;font-weight:800;border-bottom:1px solid var(--orange);color:#c75336}.about-layout,.contact-grid{display:grid;grid-template-columns:1fr .9fr;gap:100px;align-items:center}.about-layout p,.contact-grid p{font-size:16px;color:#72848b}.about-photo img,.contact-photo img{height:510px;width:100%;object-fit:cover;border-radius:14px}.values-section{background:#f9faf7;padding-top:0}.contact-email{font-size:24px;font-weight:800;color:var(--orange);word-break:break-word}.legal-hero{padding:75px 0 66px}.legal-hero h1{font-size:clamp(3rem,6vw,5.6rem)}.legal-body{max-width:850px;font-size:15px;color:#597077;line-height:1.8}.legal-body h2{font-size:28px;color:var(--ink);margin:28px 0 12px}.legal-body p{margin-bottom:15px}.legal-body ul{padding-left:23px}.legal-body li{margin:12px 0}.legal-body a{color:#cc644c;text-decoration:underline}
@media(max-width:1130px){.desktop-nav{gap:16px}.nav-link{font-size:12px}.header-inner{gap:20px}.brand-name{font-size:22px}.brand-mark{width:47px;height:47px}.hero-grid{gap:20px}.hero h1{font-size:clamp(3.25rem,6.1vw,5rem)}.hero-photo{height:540px}.editorial-grid{gap:55px}.checklist-grid{gap:55px}.article-layout{gap:50px}.compare-hero-grid{gap:40px}}
@media(max-width:920px){.shell{width:min(var(--width),calc(100% - 40px))}.desktop-nav,.header-cta{display:none}.header-inner{height:75px}.menu-toggle{display:flex;margin-left:auto;background:none;border:0;width:44px;height:44px;flex-direction:column;justify-content:center;gap:5px;cursor:pointer}.menu-toggle span{display:block;width:23px;height:2px;background:var(--ink);margin-left:auto}.mobile-nav{position:absolute;top:100%;left:0;right:0;display:none;flex-direction:column;background:white;padding:15px 25px 25px;box-shadow:0 18px 35px #10262a26}.mobile-nav.open{display:flex}.mobile-nav a{padding:12px 5px;border-bottom:1px solid #e6efeb;font-size:14px;font-weight:700}.mobile-nav-cta{color:var(--orange)}.hero{padding:45px 0 75px}.hero-grid{grid-template-columns:1fr;gap:30px}.hero h1{font-size:clamp(3.6rem,8vw,5.9rem)}.hero-copy>p{max-width:640px}.hero-visual{padding:0}.hero-photo{height:440px;border-radius:95px 12px 12px 12px}.floating-sticker{right:10px}.hero-quote-panel{max-width:680px}.strip-grid>div{padding-left:40px}.benefit-symbol{font-size:20px;left:3px}.editorial-grid,.checklist-grid,.faq-grid,.compare-education-grid,.about-layout,.contact-grid,.definitions-layout{gap:35px}.section{padding:70px 0}.article-grid{grid-template-columns:repeat(2,1fr)}.card-photo{height:230px}.coverage-grid{grid-template-columns:repeat(2,1fr)}.quote-feature-inner>div:first-child{padding:35px}.quote-feature-image{height:350px}.article-layout{grid-template-columns:190px 1fr;gap:33px}.compare-hero-grid{grid-template-columns:1fr}.compare-hero-photo{height:400px;max-width:670px}.compare-hero{padding:65px 0}.state-grid{grid-template-columns:repeat(3,1fr)}.footer-top{gap:35px}}
@media(max-width:650px){.shell{width:calc(100% - 34px)}.utility{height:27px}.utility-flex{font-size:8px;letter-spacing:.08em}.utility a{font-size:9px}.header-inner{height:67px}.brand-mark{width:40px;height:40px;font-size:40px}.brand-name{font-size:20px}.brand-name small{font-size:7px;margin-top:6px}.hero{padding:34px 0 58px}.hero-eyebrow{font-size:9px}.hero h1{font-size:clamp(3.05rem,13.5vw,4.6rem);line-height:1.02;letter-spacing:-.07em}.hero-copy>p{font-size:15px;margin-bottom:24px}.hero-quote-panel{padding:15px}.hero-panel-heading{font-size:9px}.zip-form{flex-direction:column}.zip-form input,.zip-form button{width:100%}.form-fineprint{font-size:10px}.hero-photo{height:330px;border-radius:70px 10px 10px 10px}.photo-stamp{left:20px;bottom:20px}.photo-stamp strong{font-size:26px}.floating-sticker{bottom:-21px;right:6px;padding:10px}.sticker-icon{font-size:23px}.floating-sticker strong{font-size:10px}.floating-sticker small{font-size:8px}.strip-grid{grid-template-columns:1fr;padding:9px 0}.strip-grid>div{min-height:69px;padding-left:48px}.strip-grid>div:not(:last-child){border-right:0;border-bottom:1px solid #e8eeea}.benefit-symbol{left:4px;top:19px}.strip-grid strong{font-size:12px}.strip-grid small{font-size:10px;margin-top:2px}.section{padding:63px 0}.section-heading{display:block;margin-bottom:28px}.section-heading h2{font-size:clamp(2.4rem,10vw,3.4rem)}.section-heading>p{font-size:13px;margin:16px 0 0}.section-heading .underlined-link{display:inline-block;margin-top:18px}.path-grid,.article-grid,.checklist-grid,.faq-grid,.editorial-grid,.coverage-grid,.compare-education-grid,.definitions-layout,.about-layout,.contact-grid,.state-note-grid{grid-template-columns:1fr}.path-card{min-height:270px}.editorial-photo{height:330px}.editorial-copy h2,.checklist-grid h2{font-size:clamp(2.65rem,10vw,3.7rem)}.editorial-grid{gap:27px}.article-card h3{font-size:23px}.article-grid{gap:31px}.card-photo{height:240px}.checklist-grid{gap:25px}.checklist-paper{padding:25px}.quote-feature{padding-top:0}.quote-feature-inner{grid-template-columns:1fr}.quote-feature-inner>div:first-child{padding:36px 25px}.quote-feature-inner h2{font-size:40px}.quote-feature-image{height:225px}.faq-grid{gap:16px}.footer{padding:55px 0 24px}.footer-top,.footer-links{grid-template-columns:1fr;gap:25px}.footer-links{grid-template-columns:repeat(2,1fr)}.footer-brand>p{max-width:100%}.footer-bottom{flex-direction:column;gap:10px}.subhero{padding:65px 0}.subhero h1{font-size:clamp(3rem,12vw,4.3rem)}.subhero p{font-size:15px}.library-controls{display:block}.filter-row{margin-bottom:20px}.search-field{width:100%}.article-hero{padding-top:20px}.breadcrumbs{margin-bottom:35px;font-size:10px}.article-headline h1{font-size:clamp(2.6rem,10.6vw,4rem)}.article-headline p{font-size:14px}.article-hero-image{height:280px}.article-main{padding:40px 0}.article-layout{grid-template-columns:1fr}.table-of-contents{position:static;border-bottom:1px solid #e2e7e4;padding-bottom:25px}.table-of-contents>a:not(.toc-quote){font-size:12px}.article-prose{font-size:15px}.article-section h2{font-size:27px}.related-grid{grid-template-columns:1fr}.compare-hero{padding:54px 0}.compare-hero h1{font-size:clamp(3rem,11vw,4.3rem)}.compare-hero-grid>div:first-child>p{font-size:14px}.compare-form-panel{padding:20px}.compare-hero-photo{height:280px;border-radius:70px 12px 12px 12px}.photo-stat strong{font-size:21px}.compare-education-grid img{height:250px}.definition-intro{position:static}.definition-card{padding:26px}.state-grid{grid-template-columns:repeat(2,1fr)}.state-card{padding:15px;min-height:115px}.state-card strong{font-size:17px}.state-note{padding:23px}.small-cta{padding:32px 24px;display:block}.small-cta .btn{margin-top:18px}.about-photo img,.contact-photo img{height:290px}.contact-email{font-size:19px}.legal-body{font-size:14px}.legal-body h2{font-size:25px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}