:root{--navy:#1f3a5c;--navy-deep:#152a44;--navy-soft:#3d5a7d;--cream:#faf6ee;--ivory:#fffdf8;--gold:#a9814a;--gold-soft:#e9dcc4;--ink:#1d2733;--muted:#56606d;--line:#e4ddd0;--white:#fff;--focus:#b8862f;--ok:#2f6b4f;--warn-bg:#fdf3e1;--radius:10px;--shadow:0 1px 2px #152a440f, 0 6px 20px #152a440f;--serif:"Iowan Old Style", "Palatino Linotype", Palatino, "Book Antiqua", Georgia, serif;--sans:system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;--wrap:72rem}*,:before,:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-padding-top:1rem}body{background:var(--ivory);color:var(--ink);font:1.0625rem/1.65 var(--sans);overflow-wrap:break-word;margin:0}img{max-width:100%;height:auto}a{color:var(--navy);text-underline-offset:.18em;text-decoration-thickness:1px}a:hover{color:var(--navy-deep);text-decoration-thickness:2px}:focus-visible{outline:3px solid var(--focus);outline-offset:2px;border-radius:3px}h1,h2,h3,h4{font-family:var(--serif);color:var(--navy-deep);margin:1.6em 0 .5em;font-weight:600;line-height:1.22}h1{letter-spacing:-.01em;margin-top:.3em;font-size:clamp(1.9rem,4.5vw,2.7rem)}h2{font-size:clamp(1.45rem,3vw,1.85rem)}h3{font-size:1.25rem}p,ul,ol{margin:0 0 1em}li{margin-bottom:.35em}small,.small{font-size:.9rem}.muted{color:var(--muted)}.wrap{max-width:var(--wrap);margin:0 auto;padding:0 16px}.narrow{max-width:46rem}.visually-hidden{clip:rect(0 0 0 0);white-space:nowrap;width:1px;height:1px;overflow:hidden;position:absolute!important}.skip{background:var(--navy);color:#fff;z-index:100;padding:.6rem 1rem;position:absolute;top:0;left:-999px}.skip:focus{color:#fff;top:1rem;left:1rem}.site-header{background:var(--ivory);border-bottom:1px solid var(--line);z-index:20;position:relative}.header-row{justify-content:space-between;align-items:center;gap:1rem;min-height:4.25rem;display:flex}.brand{color:var(--navy-deep);align-items:center;gap:.6rem;text-decoration:none;display:flex}.brand svg{flex:none}.brand-name{font-family:var(--serif);font-size:1.28rem;font-weight:600;line-height:1.1}.brand-sub{font-family:var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-size:.72rem;font-weight:500;display:block}.nav-toggle{border:1px solid var(--line);font:600 .95rem var(--sans);color:var(--navy);cursor:pointer;background:0 0;border-radius:8px;min-height:44px;padding:.55rem .8rem;display:none}.main-nav ul{flex-wrap:wrap;gap:.1rem .2rem;margin:0;padding:0;list-style:none;display:flex}.main-nav a{color:var(--ink);border-radius:6px;padding:.5rem .6rem;font-size:.95rem;font-weight:500;text-decoration:none;display:block}.main-nav a:hover,.main-nav a[aria-current=page]{background:var(--cream);color:var(--navy-deep)}.main-nav a.nav-urgent{color:var(--navy-deep);font-weight:650}@media (width<=1020px){.nav-toggle{display:inline-block}.main-nav{background:var(--ivory);border-bottom:1px solid var(--line);box-shadow:var(--shadow);display:none;position:absolute;top:100%;left:0;right:0}.main-nav.open{display:block}.main-nav ul{flex-direction:column;padding:.5rem 16px 1rem}.main-nav a{border-bottom:1px solid var(--line);border-radius:0;padding:.8rem .5rem;font-size:1.05rem}}.breadcrumbs{color:var(--muted);padding-top:1rem;font-size:.9rem}.breadcrumbs ol{flex-wrap:wrap;gap:.25rem;margin:0;padding:0;list-style:none;display:flex}.breadcrumbs li{margin:0}.breadcrumbs li+li:before{content:"›";color:#9aa3ad;margin:0 .35rem 0 .1rem}.breadcrumbs a{color:var(--muted)}main{padding-bottom:3rem;display:block}.section{padding:3rem 0}.section-cream{background:var(--cream);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.lede{color:#3a4552;max-width:44rem;font-size:1.18rem}.grid{gap:1.25rem;display:grid}.grid-2{grid-template-columns:repeat(auto-fit,minmax(min(100%,20rem),1fr))}.grid-3{grid-template-columns:repeat(auto-fit,minmax(min(100%,16rem),1fr))}.with-aside{grid-template-columns:minmax(0,1fr);gap:2.5rem;display:grid}@media (width>=960px){.with-aside{grid-template-columns:minmax(0,1fr) 20rem}.with-aside aside{align-self:start;position:sticky;top:1rem}}.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:1.35rem}.card h2,.card h3{margin-top:0}.card-link{color:inherit;text-decoration:none;transition:border-color .15s;display:block}.card-link:hover{border-color:var(--gold);color:inherit}.card-link h3{color:var(--navy-deep)}.eyebrow{font:600 .78rem var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin:0 0 .4rem}.btn{min-height:48px;font:600 1rem/1.2 var(--sans);border:2px solid var(--navy);background:var(--navy);color:#fff;cursor:pointer;text-align:center;border-radius:8px;justify-content:center;align-items:center;gap:.5rem;padding:.7rem 1.25rem;text-decoration:none;display:inline-flex}.btn:hover{background:var(--navy-deep);border-color:var(--navy-deep);color:#fff}.btn-outline{color:var(--navy);background:0 0}.btn-outline:hover{background:var(--navy);color:#fff}.btn-gold{background:var(--gold);border-color:var(--gold);color:#fff}.btn-gold:hover{background:#8e6b3b;border-color:#8e6b3b}.btn-small{min-height:40px;padding:.45rem .9rem;font-size:.93rem}.btn-row{flex-wrap:wrap;gap:.75rem;display:flex}.hero{background:linear-gradient(180deg, var(--cream), var(--ivory));border-bottom:1px solid var(--line);padding:3.25rem 0 3rem}.hero h1{max-width:20ch;margin-bottom:.4em}.hero .lede{margin-bottom:1.75rem}.intent-grid{grid-template-columns:repeat(auto-fit,minmax(min(100%,18rem),1fr));gap:1rem;max-width:46rem;display:grid}.intent{border-radius:var(--radius);border:2px solid var(--navy);background:var(--navy);color:#fff;padding:1.25rem 1.35rem;text-decoration:none;display:block}.intent:hover{background:var(--navy-deep);color:#fff}.intent strong{font:600 1.3rem/1.25 var(--serif);margin-bottom:.25rem;display:block}.intent span{opacity:.92;font-size:.95rem}.intent.alt{background:var(--white);color:var(--navy-deep)}.intent.alt:hover{background:var(--cream)}.sponsor{background:var(--white);border:1px solid var(--gold-soft);border-top:4px solid var(--gold);border-radius:var(--radius);box-shadow:var(--shadow);padding:1.5rem}.sponsor-label{font:600 .75rem var(--sans);letter-spacing:.08em;text-transform:uppercase;color:#7a5c31;background:#f6eedf;border-radius:99px;margin-bottom:.6rem;padding:.2rem .7rem;display:inline-block}.sponsor h2,.sponsor h3{margin:0 0 .3rem}.sponsor address{margin-bottom:1rem;font-style:normal}.sponsor .phone-big{font:600 1.5rem var(--serif);color:var(--navy-deep);text-decoration:none}.disclosure{color:var(--muted);margin:1rem 0 0;font-size:.85rem}.help-box{background:var(--cream);border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:var(--radius);margin:1.5rem 0;padding:1.1rem 1.25rem}.help-box p:last-child{margin-bottom:0}.notice{background:var(--warn-bg);border-radius:var(--radius);border:1px solid #f0dfbd;margin:1.25rem 0;padding:.9rem 1.1rem;font-size:.95rem}.provider-list{grid-template-columns:repeat(auto-fill,minmax(min(100%,19rem),1fr));gap:1rem;margin:0;padding:0;list-style:none;display:grid}.provider-list li{margin:0}.provider{flex-direction:column;height:100%;display:flex}.provider h3{margin:0 0 .35rem;font-size:1.12rem}.provider h3 a{text-decoration:none}.provider address{color:var(--muted);margin-bottom:.5rem;font-size:.95rem;font-style:normal}.provider .meta{flex-wrap:wrap;gap:.5rem 1rem;margin-top:auto;font-size:.95rem;display:flex}.tag{background:var(--cream);border:1px solid var(--line);color:var(--navy-soft);border-radius:99px;padding:.1rem .6rem;font-size:.78rem;font-weight:600;display:inline-block}.filter-bar{flex-wrap:wrap;align-items:end;gap:.75rem;margin:1rem 0 1.5rem;display:flex}.filter-bar label{margin-bottom:.2rem;font-size:.85rem;font-weight:600;display:block}dl.facts{grid-template-columns:minmax(7rem,max-content) 1fr;gap:.5rem 1rem;margin:0 0 1rem;display:grid}dl.facts dt{color:var(--muted);font-weight:600}dl.facts dd{margin:0}.prose{max-width:44rem}.prose h2{border-top:1px solid var(--line);padding-top:1.2rem}.prose table,.table{border-collapse:collapse;width:100%;margin:1rem 0 1.5rem;font-size:.97rem}.prose th,.prose td,.table th,.table td{border-bottom:1px solid var(--line);text-align:left;vertical-align:top;padding:.6rem .5rem}.prose th,.table th{background:var(--cream);font-weight:600}.table-scroll{overflow-x:auto}.prose blockquote{border-left:3px solid var(--gold);background:var(--cream);margin:1rem 0;padding:.5rem 1rem}.reviewed{color:var(--muted);border-top:1px solid var(--line);margin-top:2rem;padding-top:1rem;font-size:.9rem}.sources{font-size:.93rem}.sources li{margin-bottom:.5rem}.toc{background:var(--cream);border:1px solid var(--line);border-radius:var(--radius);padding:1rem 1.25rem;font-size:.95rem}.toc ul{margin:0;padding-left:1.1rem}details.faq{border-bottom:1px solid var(--line);padding:.75rem 0}details.faq summary{cursor:pointer;color:var(--navy-deep);align-items:center;min-height:44px;font-weight:600;display:flex}details.faq[open] summary{margin-bottom:.5rem}.tool{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);margin:1.5rem 0;padding:1.5rem}.tool h2{border:0;margin-top:0;padding:0}label{font-weight:600}input[type=text],input[type=email],input[type=number],input[type=date],input[type=search],input[type=time],select,textarea{width:100%;font:1rem var(--sans);min-height:46px;color:var(--ink);background:#fff;border:1px solid #b9c0c8;border-radius:8px;padding:.65rem .75rem}textarea{resize:vertical;min-height:7rem}input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--focus);outline-offset:1px;border-color:var(--navy)}.field{margin-bottom:1rem}.field-hint{color:var(--muted);margin-top:.25rem;font-size:.88rem;font-weight:400}fieldset{border:1px solid var(--line);border-radius:var(--radius);margin:0 0 1.25rem;padding:1rem 1.1rem}legend{color:var(--navy-deep);padding:0 .35rem;font-weight:650}.choice-grid{grid-template-columns:repeat(auto-fit,minmax(min(100%,14rem),1fr));gap:.6rem;display:grid}.choice{border:1px solid var(--line);cursor:pointer;background:#fff;border-radius:8px;align-items:center;gap:.6rem;min-height:48px;padding:.75rem .9rem;font-weight:500;display:flex}.choice:hover{border-color:var(--navy-soft)}.choice input{width:1.2rem;height:1.2rem;accent-color:var(--navy);flex:none}.choice:has(input:checked){border-color:var(--navy);background:#eef2f7}.check-item{border-bottom:1px solid var(--line);align-items:flex-start;gap:.7rem;padding:.6rem 0;display:flex}.check-item input{width:1.3rem;height:1.3rem;accent-color:var(--navy);flex:none;margin-top:.2rem}.check-item label{font-weight:500}.check-item .field-hint{display:block}.progress{background:var(--cream);border:1px solid var(--line);border-radius:99px;height:10px;overflow:hidden}.progress>span{background:var(--ok);width:0;height:100%;transition:width .2s;display:block}.result{border-radius:var(--radius);background:#eef2f7;border:1px solid #cfd9e6;margin-top:1rem;padding:1.1rem 1.25rem}.result-total{font:600 2rem var(--serif);color:var(--navy-deep)}.line-items{border-collapse:collapse;width:100%}.line-items td,.line-items th{border-bottom:1px solid var(--line);vertical-align:middle;padding:.5rem .35rem}.line-items td:last-child{width:9.5rem}.money{position:relative}.money:before{content:"$";color:var(--muted);position:absolute;top:50%;left:.7rem;transform:translateY(-50%)}.money input{padding-left:1.5rem}.steps{counter-reset:s;padding:0;list-style:none}.steps>li{counter-increment:s;padding:0 0 1rem 2.6rem;position:relative}.steps>li:before{content:counter(s);background:var(--navy);color:#fff;width:1.8rem;height:1.8rem;font:600 .95rem/1.8rem var(--sans);text-align:center;border-radius:50%;position:absolute;top:.05rem;left:0}.hp{position:absolute;left:-5000px}.form-status{margin-top:1rem;font-weight:600}.form-status.error{color:#9b2c2c}.form-status.ok{color:var(--ok)}.compare-table input{min-width:7rem}.affiliate{border:1px dashed var(--line);border-radius:var(--radius);background:var(--white);margin:2rem 0;padding:1.1rem 1.25rem}.affiliate h2,.affiliate h3{border:0;margin-top:0;padding:0;font-size:1.15rem}.affiliate ul{margin-bottom:.5rem}.site-footer{background:var(--navy-deep);color:#d9dee5;padding:3rem 0 6rem;font-size:.95rem}.site-footer a{color:#fff}.site-footer h2{color:#fff;font-size:1.05rem;font-family:var(--sans);letter-spacing:.02em;margin:0 0 .75rem;font-weight:650}.footer-grid{grid-template-columns:repeat(auto-fit,minmax(min(100%,12rem),1fr));gap:2rem;display:grid}.site-footer ul{margin:0;padding:0;list-style:none}.site-footer li{margin-bottom:.45rem}.footer-sponsor{border-radius:var(--radius);border:1px solid #fff3;padding:1rem}.footer-sponsor .sponsor-label{color:#f1e3c8;background:#ffffff1f}.footer-sponsor address{font-style:normal}.footer-bottom{color:#b9c2cd;border-top:1px solid #ffffff26;margin-top:2rem;padding-top:1.25rem;font-size:.88rem}.sticky-bar{z-index:30;background:var(--ivory);border-top:1px solid var(--line);padding:.45rem 8px calc(.45rem + env(safe-area-inset-bottom));display:none;position:fixed;bottom:0;left:0;right:0;box-shadow:0 -4px 16px #152a4414}.sticky-bar .bar{grid-template-columns:1.15fr 1fr 1fr;gap:6px;display:grid}.sticky-bar a{min-height:46px;font:600 .88rem/1.15 var(--sans);text-align:center;border:1px solid var(--navy);color:var(--navy);background:#fff;border-radius:8px;justify-content:center;align-items:center;padding:.2rem .3rem;text-decoration:none;display:flex}.sticky-bar a.primary{background:var(--navy);color:#fff}.sticky-bar .bar-note{text-align:center;color:var(--muted);margin-top:3px;font-size:.68rem;display:block}@media (width<=760px){.sticky-bar{display:block}}.pagefind-ui{--pagefind-ui-primary:#1f3a5c;--pagefind-ui-text:#1d2733;--pagefind-ui-border:#b9c0c8;--pagefind-ui-border-radius:8px;--pagefind-ui-font:var(--sans)}@media print{.site-header,.site-footer,.sticky-bar,.breadcrumbs,.no-print,.affiliate,.btn,button,.skip,nav,.sponsor,.help-box,aside{display:none!important}body{color:#000;background:#fff;font-size:11pt}.tool,.card{box-shadow:none;border:1px solid #999}a{color:#000;text-decoration:none}input,select,textarea{border:0;border-bottom:1px solid #666;border-radius:0;min-height:0;padding:.1rem}.print-only{display:block!important}.check-item{break-inside:avoid}h1{font-size:20pt}h2{font-size:14pt}.section,main{padding:0}}.print-only{display:none}