:root{--ink:#0f1923;--ink-soft:#4a5568;--ink-muted:#8896a5;--paper:#f7f8fa;--white:#fff;--card:#fff;--rule:#e2e7ed;--navy:#0e2d4f;--navy-mid:#1a4a7a;--gold:#c8902a;--gold-light:#f5ecd6;--gold-hover:#b07a20;--green:#1a7a4a;--green-bg:#edfaf3;--red:#b91c1c;--red-bg:#fef2f2;--blue-tint:#eef4ff;--border:var(--rule);--bg:var(--white);--verdict-yes-border:#a7f3d0;--verdict-no-border:#fecaca;--notes-border:#c7deff;--notes-text:#1e4080;--options-bg:#fff8ec;--options-border:#fde68a;--options-title:#92400e;--options-num-bg:#92400e;--options-num-text:#fff;--cta-secondary-border:#e8c97a;--card-hover-border:#cbd5e1;--dropdown-hover-text:var(--navy);--focus-shadow:0 0 0 3px #1a4a7a1f;--heading-color:var(--navy);--heading-color-secondary:var(--navy-mid);--r-sm:6px;--r-md:8px;--r-lg:12px;--shadow-sm:0 1px 3px #00000014, 0 1px 2px #0000000d;--shadow-md:0 4px 16px #0000001a, 0 2px 6px #0000000f;--shadow-lg:0 12px 40px #00000021, 0 4px 12px #00000012;--serif:"Geist", Inter, system-ui, -apple-system, sans-serif;--sans:"Geist", Inter, system-ui, -apple-system, sans-serif;--mono:"Geist Mono", ui-monospace, SFMono-Regular, Menlo, Monaco, monospace}html.dark{--ink:#f8fafc;--ink-soft:#94a3b8;--ink-muted:#64748b;--paper:#0b0f19;--card:#131b2e;--rule:#1e293b;--navy:#070c14;--navy-mid:#3b82f6;--gold:#d99e32;--gold-light:#2d2311;--gold-hover:#e3ab46;--green:#34d399;--green-bg:#062a1d;--red:#f87171;--red-bg:#2a1414;--blue-tint:#162238;--border:var(--rule);--bg:var(--card);--verdict-yes-border:#34d39940;--verdict-no-border:#f8717140;--notes-border:#3b82f640;--notes-text:#93c5fd;--options-bg:#231a0e;--options-border:#f59e0b40;--options-title:#f59e0b;--options-num-bg:#f59e0b;--options-num-text:#0b0f19;--cta-secondary-border:#d99e3266;--card-hover-border:#334155;--dropdown-hover-text:var(--white);--focus-shadow:0 0 0 3px #3b82f640;--heading-color:var(--ink);--heading-color-secondary:#60a5fa;--shadow-sm:0 1px 3px #0006, 0 1px 2px #0000004d;--shadow-md:0 4px 16px #00000073, 0 2px 6px #00000059;--shadow-lg:0 12px 40px #00000080, 0 4px 12px #0006}*,:before,:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:var(--sans);background:var(--paper);color:var(--ink);-webkit-font-smoothing:antialiased;font-size:16px;line-height:1.6}nav.site-nav{background:var(--navy);z-index:100;justify-content:space-between;align-items:center;height:56px;padding:0 24px;display:flex;position:sticky;top:0}.nav-brand{align-items:center;gap:10px;text-decoration:none;display:flex}.nav-logo{object-fit:contain;width:28px;height:28px;display:block}.nav-name{font-family:var(--serif);color:var(--white);letter-spacing:-.3px;font-size:18px}.nav-badge{letter-spacing:.08em;text-transform:uppercase;color:var(--navy);background:var(--gold);border-radius:20px;padding:2px 7px;font-size:10px;font-weight:600}.hero{background:linear-gradient(160deg, var(--navy) 0%, var(--navy-mid) 100%);text-align:center;padding:64px 24px 80px;position:relative;overflow:hidden}.hero:before{content:"";background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.025'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");position:absolute;inset:0}.hero-eyebrow{letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:16px;font-size:11px;font-weight:600;position:relative}.hero h1{font-family:var(--serif);color:var(--white);letter-spacing:-.5px;margin-bottom:16px;font-size:clamp(32px,5vw,54px);line-height:1.1;position:relative}.hero h1 em{color:#a8c8f0;font-style:italic}.hero-sub{color:#ffffffa6;max-width:480px;margin:0 auto 12px;font-size:17px;position:relative}.hero-trust{flex-wrap:wrap;justify-content:center;gap:20px;margin-top:24px;display:flex;position:relative}.trust-item{color:#ffffff8c;align-items:center;gap:6px;font-size:12px;font-weight:500;display:flex}.trust-dot{background:var(--gold);border-radius:50%;width:6px;height:6px}.tool-wrapper{z-index:10;max-width:680px;margin:-48px auto 0;padding:0 16px;position:relative}.tool-card{background:var(--card);border-radius:var(--r-lg);box-shadow:var(--shadow-lg);overflow:hidden}.tool-header{background:var(--navy);align-items:center;gap:10px;padding:16px 24px;display:flex}.tool-header-dot{border-radius:50%;width:10px;height:10px}.tool-body{padding:32px 28px 28px}.tool-label{letter-spacing:.1em;text-transform:uppercase;color:var(--ink-muted);margin-bottom:8px;font-size:11px;font-weight:600;display:block}.tool-input-group{grid-template-columns:1fr 1fr;gap:16px;margin-bottom:20px;display:grid}@media (width<=520px){.tool-input-group{grid-template-columns:1fr}}.input-wrap{flex-direction:column;display:flex}select,input[type=number]{font-family:var(--sans);color:var(--ink);background:var(--paper);border:1.5px solid var(--rule);border-radius:var(--r-md);appearance:none;outline:none;width:100%;padding:12px 14px;font-size:15px;font-weight:500;transition:border-color .15s,box-shadow .15s}select{cursor:pointer;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%238896a5' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-position:right 14px center;background-repeat:no-repeat;padding-right:38px}input[type=number]::-webkit-inner-spin-button{display:none}select:focus,input[type=number]:focus{border-color:var(--navy-mid);box-shadow:var(--focus-shadow);background-color:var(--card)}.claimant-toggle{gap:8px;margin-bottom:20px;display:flex}.toggle-btn{font-family:var(--sans);border-radius:var(--r-sm);border:1.5px solid var(--rule);background:var(--paper);color:var(--ink-soft);cursor:pointer;text-align:center;flex:1;padding:9px 12px;font-size:13px;font-weight:600;transition:all .15s}.toggle-btn.active{background:var(--navy);border-color:var(--navy);color:var(--white)}.check-btn{background:var(--gold);width:100%;color:var(--white);font-family:var(--sans);letter-spacing:.02em;border-radius:var(--r-md);cursor:pointer;border:none;margin-top:4px;padding:15px;font-size:15px;font-weight:700;transition:background .15s,transform .1s}.check-btn:hover{background:var(--gold-hover)}.check-btn:active{transform:scale(.99)}#result{margin-top:24px;display:none}.verdict-banner{border-radius:var(--r-md);align-items:flex-start;gap:14px;margin-bottom:20px;padding:18px 20px;display:flex}.verdict-banner.yes{background:var(--green-bg);border:1.5px solid var(--verdict-yes-border)}.verdict-banner.no{background:var(--red-bg);border:1.5px solid var(--verdict-no-border)}.verdict-icon{flex-shrink:0;margin-top:1px;font-size:26px;line-height:1}.verdict-text strong{margin-bottom:3px;font-size:16px;font-weight:700;display:block}.verdict-text.yes strong{color:var(--green)}.verdict-text.no strong{color:var(--red)}.verdict-text p{color:var(--ink-soft);font-size:13.5px;line-height:1.5}.data-grid{grid-template-columns:1fr 1fr;gap:10px;margin-bottom:16px;display:grid}@media (width<=480px){.data-grid{grid-template-columns:1fr}}.data-cell{background:var(--paper);border:1px solid var(--rule);border-radius:var(--r-sm);padding:12px 14px}.data-cell-label{letter-spacing:.09em;text-transform:uppercase;color:var(--ink-muted);margin-bottom:4px;font-size:10.5px;font-weight:600}.data-cell-value{color:var(--ink);font-size:14.5px;font-weight:600}.data-cell-value.mono{font-family:var(--mono);color:var(--navy-mid);font-size:15px}.data-cell-value.green{color:var(--green)}.data-cell-value.red{color:var(--red)}.data-cell-value.gold{color:var(--gold)}.notes-row{background:var(--blue-tint);border:1px solid var(--notes-border);border-radius:var(--r-sm);color:var(--notes-text);margin-bottom:16px;padding:12px 14px;font-size:13px;display:none}.notes-row strong{font-weight:600}.options-box{background:var(--options-bg);border:1.5px solid var(--options-border);border-radius:var(--r-md);margin-bottom:16px;padding:16px 18px;display:none}.options-box h4{text-transform:uppercase;letter-spacing:.07em;color:var(--options-title);margin-bottom:10px;font-size:13px;font-weight:700}.option-item{color:var(--ink-soft);align-items:flex-start;gap:10px;margin-bottom:8px;font-size:13.5px;display:flex}.option-item:last-child{margin-bottom:0}.option-num{background:var(--options-num-bg);width:20px;height:20px;color:var(--options-num-text);border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;margin-top:1px;font-size:11px;font-weight:700;display:flex}.cta-row{grid-template-columns:1fr 1fr;gap:10px;margin-bottom:14px;display:grid}@media (width<=480px){.cta-row{grid-template-columns:1fr}}.cta-btn{border-radius:var(--r-md);font-family:var(--sans);cursor:pointer;border:none;justify-content:center;align-items:center;gap:7px;padding:12px 16px;font-size:13.5px;font-weight:700;text-decoration:none;transition:opacity .15s;display:flex}.cta-btn:hover{opacity:.88}.cta-btn.primary{background:var(--navy);color:var(--white)}.cta-btn.secondary{background:var(--gold-light);color:var(--gold);border:1.5px solid var(--cta-secondary-border)}.official-link{text-align:center;color:var(--ink-muted);font-size:12.5px}.official-link a{color:var(--navy-mid);font-weight:600;text-decoration:none}.official-link a:hover{text-decoration:underline}.disclaimer{color:var(--ink-muted);text-align:center;border-top:1px solid var(--rule);margin-top:8px;padding:12px 0 0;font-size:11.5px;line-height:1.5}.states-strip{max-width:680px;margin:32px auto 0;padding:0 16px}.states-strip h3{letter-spacing:.1em;text-transform:uppercase;color:var(--ink-muted);text-align:center;margin-bottom:12px;font-size:12px;font-weight:600}.state-pills{flex-wrap:wrap;justify-content:center;gap:8px;display:flex}.state-pill{background:var(--card);border:1px solid var(--rule);color:var(--ink-soft);cursor:pointer;white-space:nowrap;border-radius:20px;padding:6px 14px;font-size:12.5px;font-weight:500;transition:all .15s}.state-pill:hover{background:var(--navy);color:var(--white);border-color:var(--navy)}.how-section{max-width:680px;margin:52px auto 0;padding:0 16px}.section-eyebrow{letter-spacing:.12em;text-transform:uppercase;color:var(--gold);text-align:center;margin-bottom:10px;font-size:11px;font-weight:600}.section-title{font-family:var(--serif);text-align:center;color:var(--heading-color);margin-bottom:32px;font-size:28px;line-height:1.2}.steps{grid-template-columns:repeat(3,1fr);gap:16px;display:grid}@media (width<=520px){.steps{grid-template-columns:1fr}}.step{background:var(--card);border:1px solid var(--rule);border-radius:var(--r-lg);text-align:center;padding:22px 18px}.step-num{background:var(--navy);color:#fff;width:36px;height:36px;font-family:var(--serif);border-radius:50%;justify-content:center;align-items:center;margin:0 auto 12px;font-size:17px;display:flex}.step h4{color:var(--heading-color);margin-bottom:6px;font-size:14px;font-weight:700}.step p{color:var(--ink-soft);font-size:13px;line-height:1.5}.coverage-section{max-width:840px;margin:52px auto 0;padding:0 16px}.table-wrapper{-webkit-overflow-scrolling:touch;border-radius:var(--r-lg);width:100%;box-shadow:var(--shadow-sm);border:1px solid var(--rule);background:var(--card);overflow:hidden}.coverage-table{border-collapse:collapse;background:var(--card);width:100%;font-size:13.5px}.coverage-table thead tr{background:var(--navy)}.coverage-table th{color:var(--white);letter-spacing:.08em;text-transform:uppercase;text-align:left;white-space:nowrap;padding:12px 16px;font-size:11px;font-weight:600}.coverage-table td{border-bottom:1px solid var(--rule);color:var(--ink);vertical-align:middle;white-space:nowrap;padding:11px 16px}.coverage-table tbody tr:last-child td{border-bottom:none}.coverage-table tbody tr:hover{background:var(--blue-tint)}.coverage-table .mono-val{font-family:var(--mono);color:var(--navy-mid);font-size:13px;font-weight:500}.atty-yes{color:var(--green);font-weight:600}.atty-no{color:var(--red);font-weight:600}.check-link{color:var(--navy-mid);cursor:pointer;text-underline-offset:2px;font-size:12.5px;font-weight:600;font-family:var(--sans);background:0 0;border:none;text-decoration:underline}.check-link:hover{color:var(--gold)}.faq-section{max-width:680px;margin:52px auto 0;padding:0 16px}.faq-item{background:var(--card);border:1px solid var(--rule);border-radius:var(--r-md);margin-bottom:10px;overflow:hidden}.faq-q{width:100%;font-family:var(--sans);color:var(--heading-color);cursor:pointer;text-align:left;background:0 0;border:none;justify-content:space-between;align-items:center;gap:12px;padding:16px 18px;font-size:14.5px;font-weight:600;display:flex}.faq-chevron{color:var(--ink-muted);flex-shrink:0;font-size:16px;transition:transform .2s}.faq-item.open .faq-chevron{transform:rotate(180deg)}.faq-a{color:var(--ink-soft);border-top:1px solid var(--rule);padding:0 18px 16px;font-size:13.5px;line-height:1.7;display:none}.faq-item.open .faq-a{display:block}footer{background:var(--navy);text-align:center;margin-top:64px;padding:32px 24px}.footer-logo{font-family:var(--serif);color:var(--white);margin-bottom:8px;font-size:22px}.footer-tagline{color:#fff6;margin-bottom:20px;font-size:12.5px}.footer-links{flex-wrap:wrap;justify-content:center;gap:20px;margin-bottom:20px;display:flex}.footer-links a{color:#ffffff80;font-size:12.5px;font-weight:500;text-decoration:none}.footer-links a:hover{color:var(--white)}.nav-links{align-items:center;gap:20px;display:flex}.nav-link{color:#ffffffb3;font-size:13.5px;font-weight:500;text-decoration:none;transition:color .2s}.nav-link:hover{color:var(--white)}.content-page{max-width:680px;margin:64px auto;padding:0 24px}.content-page h1{font-family:var(--serif);color:var(--heading-color);margin-bottom:24px;font-size:36px;line-height:1.2}.content-page p{color:var(--ink-soft);margin-bottom:20px;font-size:15px;line-height:1.7}.content-page h2{font-family:var(--serif);color:var(--heading-color-secondary);margin-top:36px;margin-bottom:12px;font-size:22px;line-height:1.3}.content-page ul,.content-page ol{margin-bottom:20px;padding-left:20px}.content-page li{color:var(--ink-soft);margin-bottom:8px;font-size:15px;line-height:1.7}.footer-legal{color:#ffffff4d;max-width:480px;margin:0 auto;font-size:11px;line-height:1.6}@keyframes slideUp{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}.animate-in{animation:.3s forwards slideUp}.contact-form{background:var(--card);border:1px solid var(--rule);border-radius:var(--r-lg);box-shadow:var(--shadow-sm);flex-direction:column;gap:20px;margin:32px 0;padding:28px;display:flex}.form-group{flex-direction:column;gap:8px;display:flex}.form-label{color:var(--ink);text-transform:uppercase;letter-spacing:.05em;font-size:13px;font-weight:600}.form-input,.form-textarea{border:1px solid var(--border);border-radius:var(--r-md);width:100%;font-family:var(--sans);color:var(--ink);background:var(--bg);outline:none;padding:12px 16px;font-size:14.5px;transition:border-color .2s,box-shadow .2s}.form-input{height:48px}.form-textarea{resize:vertical;height:120px}.form-input:focus,.form-textarea:focus{border-color:var(--navy-mid);box-shadow:var(--focus-shadow)}.form-submit-btn{background:var(--gold);color:var(--white);border-radius:var(--r-md);height:48px;font-family:var(--sans);cursor:pointer;border:none;justify-content:center;align-items:center;gap:8px;font-size:15px;font-weight:600;transition:opacity .2s,transform .2s;display:flex}.form-submit-btn:hover{opacity:.9}.form-submit-btn:active{transform:scale(.98)}.success-message{background:var(--green-bg);border-radius:var(--r-lg);text-align:center;border:1px solid #1a7a4a33;margin:32px 0;padding:32px;animation:.3s forwards slideUp;display:none}.success-icon{margin-bottom:12px;font-size:40px}.success-title{color:var(--green);margin-bottom:8px;font-size:20px;font-weight:700}.success-text{color:var(--ink-soft);font-size:14.5px;line-height:1.6}@media (width<=640px){.tool-body{padding:24px 18px 20px}.hero{padding:48px 16px 72px}.hero h1{font-size:30px}.nav-links{gap:12px}.nav-link{font-size:12.5px}}.dropdown{display:inline-block;position:relative}.dropdown-toggle{color:#ffffffb3;font-family:var(--sans);cursor:pointer;background:0 0;border:none;align-items:center;gap:4px;padding:4px 0;font-size:13.5px;font-weight:500;transition:color .2s;display:flex}.dropdown-toggle:hover{color:var(--white)}.dropdown-menu{background-color:var(--card);min-width:220px;max-height:320px;box-shadow:var(--shadow-lg);border-radius:var(--r-md);border:1px solid var(--rule);z-index:1000;margin-top:8px;padding:6px 0;display:none;position:absolute;top:100%;right:0;overflow-y:auto}.dropdown-item{color:var(--ink-soft);font-family:var(--sans);text-align:left;padding:8px 16px;font-size:13px;font-weight:500;text-decoration:none;transition:background-color .15s,color .15s;display:block}.dropdown-item:hover{background-color:var(--blue-tint);color:var(--dropdown-hover-text)}.dropdown:hover .dropdown-menu,.dropdown:focus-within .dropdown-menu{display:block}@media (width<=640px){.dropdown-toggle{font-size:12.5px}.dropdown-menu{left:-40px;right:auto}}.theme-toggle{color:#ffffffb3;cursor:pointer;background:0 0;border:none;border-radius:50%;justify-content:center;align-items:center;padding:8px;transition:color .2s,background-color .2s,transform .2s;display:flex}.theme-toggle:hover{color:var(--white);background-color:#ffffff14;transform:scale(1.05)}.theme-toggle:active{transform:scale(.95)}html.dark .theme-toggle .sun-icon{display:block}html.dark .theme-toggle .moon-icon,html:not(.dark) .theme-toggle .sun-icon{display:none}html:not(.dark) .theme-toggle .moon-icon{display:block}html.dark select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2394a3b8' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E")}.input-error{color:var(--red);margin-top:6px;font-size:11.5px;font-weight:600;animation:.2s forwards slideUp;display:none}
