@font-face{font-family:"Barlow Condensed";src:url(/fonts/barlow-condensed-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}
@font-face{font-family:"Barlow Condensed";src:url(/fonts/barlow-condensed-latin-800-normal.woff2) format("woff2");font-weight:800;font-display:swap}
@font-face{font-family:Barlow;src:url(/fonts/barlow-latin-400-normal.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:Barlow;src:url(/fonts/barlow-latin-500-normal.woff2) format("woff2");font-weight:500;font-display:swap}
@font-face{font-family:Barlow;src:url(/fonts/barlow-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}
:root{--navy:#13294b;--navy-2:#1d3a66;--orange:#f26b1d;--orange-d:#c9520c;--orange-l:#fff0e5;--green:#1d7a52;--green-l:#e3f3eb;--ink:#14202c;--muted:#52606d;--line:#dde3e9;--bg:#faf6ef;--card:#fff;--r:14px;--shadow:0 8px 24px rgba(15,42,68,.10)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Barlow,system-ui,-apple-system,"Segoe UI",sans-serif;font-size:1.1rem;line-height:1.65;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy-2);text-underline-offset:2px}
a:hover{color:var(--orange-d)}
:focus-visible{outline:3px solid var(--orange);outline-offset:3px;border-radius:4px}
h1,h2,h3,h4{font-family:"Barlow Condensed",system-ui,sans-serif;line-height:1.15;color:var(--navy);letter-spacing:-.01em}
h1{font-size:clamp(2.4rem,6vw,4rem);font-weight:800;text-transform:uppercase;letter-spacing:.005em;margin:.2em 0 .4em}
h2{font-size:clamp(1.75rem,3.6vw,2.5rem);font-weight:800;margin:0 0 .55em}
h3{font-size:1.22rem;font-weight:700;margin:0 0 .4em}
.wrap{width:min(1160px,92%);margin:0 auto}
.narrow{width:min(780px,92%);margin:0 auto}
.skip{position:absolute;left:-999px;top:0;background:var(--orange);color:#fff;padding:.6rem 1rem;z-index:99}
.skip:focus{left:1rem}
.eyebrow{display:inline-block;font-family:"Barlow Condensed",sans-serif;font-weight:700;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--orange-d);margin-bottom:.5rem}
.lead{font-size:1.25rem;color:var(--muted)}
.muted{color:var(--muted)}
.small{font-size:.93rem}
.center{text-align:center}
.center .btns{justify-content:center}
/* header */
.topbar{background:var(--navy);color:#cfd9e3;font-size:.9rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:1rem;padding:.4rem 0;flex-wrap:wrap}
.topbar a{color:#fff}
.site-head{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:70px}
.logo{display:flex;align-items:center;gap:.55rem;text-decoration:none;font-family:"Barlow Condensed",sans-serif;font-weight:800;font-size:1.3rem;color:var(--navy)}
.logo span{color:var(--orange)}
.logo svg{width:36px;height:36px}
.nav ul{list-style:none;margin:0;padding:0;display:flex;gap:1.3rem;align-items:center}
.nav a{text-decoration:none;color:var(--ink);font-weight:600}
.nav a:hover,.nav a[aria-current=page]{color:var(--orange-d)}
.nav .btn{color:#fff}
.nav-toggle{display:none;background:none;border:2px solid var(--navy);border-radius:8px;padding:.35rem .75rem;font:inherit;font-weight:700;color:var(--navy);cursor:pointer}
@media (max-width:900px){
 .nav-toggle{display:block}
 .nav{display:none;position:absolute;left:0;right:0;top:70px;background:#fff;border-bottom:1px solid var(--line);padding:1rem 4%}
 .nav.open{display:block}
 .nav ul{flex-direction:column;align-items:flex-start;gap:.9rem}
}
/* buttons */
.btn{display:inline-block;background:var(--orange);color:#fff;text-decoration:none;font-weight:700;padding:.85rem 1.4rem;border-radius:10px;border:2px solid var(--orange);font-family:inherit;font-size:1.05rem;cursor:pointer;transition:background .15s,transform .15s}
.btn:hover{background:var(--orange-d);border-color:var(--orange-d);color:#fff;transform:translateY(-1px)}
.btn.navy{background:var(--navy);border-color:var(--navy)}
.btn.navy:hover{background:var(--navy-2)}
.btn.ghost{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff}
.btn.sm{padding:.55rem 1rem;font-size:.95rem}
.btns{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.3rem}
/* sections */
section{padding:4.2rem 0}
.band{background:#fff}
.band-navy{background:var(--navy);color:#dce5ee}
.band-navy h2,.band-navy h3{color:#fff}
.band-navy a{color:#ffb98f}
.band-navy .eyebrow{color:#ffb98f}
.band-orange{background:var(--orange-l)}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#dce5ee;padding:4rem 0 4.5rem;position:relative;overflow:hidden}
.hero h1{color:#fff}
.hero .lead{color:#c9d5e1}
.hero .eyebrow{color:#ffb98f}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:center}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}}
.hero-card{background:#fff;color:var(--ink);border-radius:18px;padding:1.6rem;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.hero-card h2{font-size:1.3rem}
.checks{list-style:none;padding:0;margin:1rem 0}
.checks li{position:relative;padding-left:1.9rem;margin:.5rem 0}
.checks li::before{content:"";position:absolute;left:0;top:.35em;width:1.1rem;height:1.1rem;border-radius:4px;background:var(--green);-webkit-mask:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'><path d='M7.6 14.6 3.5 10.5l1.4-1.4 2.7 2.7 7.5-7.5 1.4 1.4z'/></svg>") center/contain no-repeat;mask:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'><path d='M7.6 14.6 3.5 10.5l1.4-1.4 2.7 2.7 7.5-7.5 1.4 1.4z'/></svg>") center/contain no-repeat}
.hero .checks li::before{background:#5fd39a}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;margin-top:2rem}
@media (max-width:760px){.stats{grid-template-columns:repeat(2,1fr)}}
.stat{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:12px;padding:1rem}
.stat b{display:block;font-family:"Barlow Condensed",sans-serif;font-size:1.7rem;color:#fff;line-height:1.1}
.stat span{font-size:.92rem;color:#c9d5e1}
.grid{display:grid;gap:1.4rem}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:960px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1.5rem}
.card p:last-child{margin-bottom:0}
a.card{display:block;text-decoration:none;color:inherit;transition:transform .15s,box-shadow .15s,border-color .15s}
a.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#c5d0da;color:inherit}
a.card h3{color:var(--navy)}
.icon{width:46px;height:46px;border-radius:12px;display:grid;place-items:center;margin-bottom:.9rem;background:var(--orange-l);color:var(--orange-d)}
.icon svg{width:24px;height:24px}
.icon.g{background:var(--green-l);color:var(--green)}
.icon.n{background:#e6edf4;color:var(--navy)}
.tag{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:.2rem .55rem;border-radius:6px;background:#e6edf4;color:var(--navy);margin-bottom:.6rem}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:1rem}
.steps li{counter-increment:s;position:relative;padding:1.1rem 1.2rem 1.1rem 4rem;background:#fff;border:1px solid var(--line);border-radius:12px}
.steps li::before{content:counter(s);position:absolute;left:1.1rem;top:1rem;width:2.1rem;height:2.1rem;border-radius:50%;background:var(--navy);color:#fff;font-family:"Barlow Condensed",sans-serif;font-weight:800;display:grid;place-items:center}
.steps strong{display:block;color:var(--navy);font-family:"Barlow Condensed",sans-serif}
/* tables */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:12px;background:#fff;margin:1.2rem 0}
table{border-collapse:collapse;width:100%;font-size:1rem}
th,td{text-align:left;padding:.75rem .9rem;border-bottom:1px solid var(--line);vertical-align:top}
th{background:#eef2f6;color:var(--navy);font-family:"Barlow Condensed",sans-serif;font-size:.9rem}
tr:last-child td{border-bottom:0}
/* callouts */
.note{border-left:5px solid var(--navy);background:#e9eff5;padding:1rem 1.2rem;border-radius:0 10px 10px 0;margin:1.5rem 0}
.note.warn{border-color:var(--orange);background:var(--orange-l)}
.note.ok{border-color:var(--green);background:var(--green-l)}
.note p:last-child{margin-bottom:0}
.disclaimer-strip{background:#1b2b3b;color:#b9c6d3;font-size:.92rem;padding:.9rem 0}
.disclaimer-strip .wrap{text-align:center}
.disclaimer-strip a{color:#fff}
/* article */
.crumbs{font-size:.9rem;color:var(--muted);padding-top:1.4rem}
.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.3rem}
.crumbs li+li::before{content:"›";margin-right:.35rem;color:#9aa7b3}
.article-head{padding:1.5rem 0 1rem}
.meta{font-size:.92rem;color:var(--muted)}
.prose{padding-bottom:3rem}
.prose h2{margin-top:2.3rem;font-size:1.6rem}
.prose h3{margin-top:1.7rem}
.prose li{margin:.35rem 0}
.prose .table-wrap{margin:1.4rem 0}
.toc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:1rem 1.3rem;margin:1.2rem 0 2rem}
.toc strong{font-family:"Barlow Condensed",sans-serif;color:var(--navy)}
.toc ol{margin:.5rem 0 0;padding-left:1.2rem}
.keybox{background:#fff;border:2px solid var(--navy);border-radius:14px;padding:1.2rem 1.4rem;margin:1.4rem 0}
.keybox h2{font-size:1.15rem;margin:0 0 .4rem}
.keybox ul{margin:.3rem 0 0;padding-left:1.2rem}
.cta-box{background:var(--navy);color:#dce5ee;border-radius:16px;padding:1.8rem;margin:2.5rem 0;display:grid;grid-template-columns:1fr auto;gap:1.2rem;align-items:center}
.cta-box h2{color:#fff;font-size:1.4rem;margin:0 0 .3rem}
.cta-box p{margin:0}
@media (max-width:700px){.cta-box{grid-template-columns:1fr}}
/* tool */
.tool{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:1.6rem;display:grid;grid-template-columns:1fr 1fr;gap:2rem}
@media (max-width:860px){.tool{grid-template-columns:1fr}}
.field{margin-bottom:1.05rem}
.field label,.field legend{display:block;font-weight:700;color:var(--navy);margin-bottom:.3rem}
.field .hint{display:block;font-size:.9rem;color:var(--muted);margin-top:.2rem}
fieldset.field{border:0;padding:0;margin:0 0 1.05rem}
input[type=number],input[type=text],select{width:100%;font:inherit;padding:.65rem .75rem;border:1.5px solid #b9c5d1;border-radius:9px;background:#fff;color:var(--ink)}
input:focus,select:focus{border-color:var(--navy);outline:3px solid rgba(232,98,26,.35);outline-offset:1px}
.radio-row{display:flex;flex-wrap:wrap;gap:.5rem}
.radio-row label{display:flex;align-items:center;gap:.4rem;font-weight:600;color:var(--ink);background:#f1f4f7;border:1.5px solid var(--line);border-radius:9px;padding:.5rem .8rem;cursor:pointer;margin:0}
.radio-row input{accent-color:var(--orange)}
.check-row{display:flex;gap:.55rem;align-items:flex-start;font-weight:600}
.check-row input{margin-top:.35rem;accent-color:var(--orange);width:1.1rem;height:1.1rem}
.result{background:var(--navy);color:#dce5ee;border-radius:14px;padding:1.4rem}
.result h2{color:#fff;font-size:1.2rem}
.result .big{font-family:"Barlow Condensed",sans-serif;font-weight:800;font-size:2.6rem;color:#fff;line-height:1.05;margin:.2rem 0 .4rem}
.result dl{display:grid;grid-template-columns:1fr auto;gap:.35rem 1rem;margin:1rem 0}
.result dt{color:#b9c6d3}
.result dd{margin:0;text-align:right;font-weight:700;color:#fff}
.result .tot{border-top:1px solid rgba(255,255,255,.2);padding-top:.5rem}
.result .small{color:#b9c6d3}
.result a{color:#ffb98f}
.quiz-q{background:#f7f9fb;border:1px solid var(--line);border-radius:12px;padding:1rem 1.1rem;margin-bottom:1rem}
.quiz-q legend{font-weight:700;color:var(--navy);padding:0}
.verdict{border-radius:14px;padding:1.3rem 1.4rem;margin-top:1rem;border:2px solid var(--line);background:#fff}
.verdict.v-yes{border-color:var(--green);background:var(--green-l)}
.verdict.v-maybe{border-color:var(--orange);background:var(--orange-l)}
.verdict h3{margin-top:0}
.hidden{display:none}
/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:1rem 1.2rem;margin:.7rem 0}
.faq summary{font-weight:700;color:var(--navy);cursor:pointer}
.faq details p{margin:.7rem 0 0}
/* for sale */
.forsale{background:var(--orange-l);border:1px dashed var(--orange);border-radius:12px;padding:1rem 1.2rem;font-size:.97rem}
/* footer */
.site-foot{background:var(--navy);color:#b9c6d3;padding:3.5rem 0 2rem;font-size:.97rem}
.site-foot a{color:#fff;text-decoration:none}
.site-foot a:hover{color:#ffb98f}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:2rem}
@media (max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
.site-foot h2{font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;color:#ffb98f;margin:0 0 .8rem}
.site-foot ul{list-style:none;padding:0;margin:0}
.site-foot li{margin:.35rem 0}
.foot-logo{font-family:"Barlow Condensed",sans-serif;font-weight:800;font-size:1.3rem;color:#fff}
.foot-logo span{color:var(--orange)}
.foot-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:2.5rem;padding-top:1.4rem;display:flex;flex-wrap:wrap;justify-content:space-between;gap:1rem;font-size:.88rem}
@media print{.site-head,.topbar,.site-foot,.disclaimer-strip,.btns,.cta-box{display:none}body{background:#fff}}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}
.spacer{height:2rem}
.state-list{list-style:none;padding:0;margin:1.5rem 0;columns:4;column-gap:1.5rem}
.state-list li{margin:.3rem 0;break-inside:avoid}
.state-list a{font-weight:600}
@media (max-width:900px){.state-list{columns:3}}
@media (max-width:560px){.state-list{columns:2}}
.big-price{font-family:"Barlow Condensed",sans-serif;font-weight:800;font-size:2.6rem;color:var(--navy);margin:.2rem 0}
.big-price span{font-size:1rem;color:var(--muted);font-weight:700}
aside .card+.card{margin-top:1.2rem}
.logo .lt b{color:var(--orange);font-weight:800}
.logo span{color:inherit}
.hero .btn.ghost,.band-navy .btn.ghost{color:#fff;border-color:#fff}
.hero .btn.ghost:hover,.band-navy .btn.ghost:hover{background:#fff;color:var(--navy)}
@media (max-width:560px){.topbar .wrap span+span{display:none}}
.hero-photo img{border-radius:18px;box-shadow:0 20px 50px rgba(0,0,0,.35);width:100%;height:auto}
.owed{padding:0;margin-top:-2.5rem;position:relative;z-index:2}
.owed-card{max-width:860px;margin:0 auto;display:grid;grid-template-columns:1fr auto;gap:1rem 2rem;align-items:end}
.owed-card h2{grid-column:1/-1;margin:0}
.owed-card .checks{columns:2;column-gap:2rem;margin:0}
.owed-card .checks li{break-inside:avoid}
@media (max-width:760px){.owed-card{grid-template-columns:1fr}.owed-card .checks{columns:1}}
.lead-photo{margin:1.2rem 0 1.6rem}
.lead-photo img{border-radius:14px;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover}
.lead-photo.banner img{aspect-ratio:3/1}
a.card.has-img{padding:0;overflow:hidden}
a.card.has-img .thumb{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;display:block}
a.card.has-img .tag{margin:1.1rem 1.3rem .5rem}
a.card.has-img h3,a.card.has-img p{padding:0 1.3rem}
a.card.has-img p{padding-bottom:1.3rem}

.hero{background:linear-gradient(90deg,rgba(19,41,75,.94) 0%,rgba(19,41,75,.78) 45%,rgba(19,41,75,.15) 100%),var(--navy);padding:0;min-height:560px;display:flex;align-items:center}
.hero-bg{position:absolute;inset:0;z-index:0}
.hero-bg img{width:100%;height:100%;object-fit:cover}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(19,41,75,.95) 0%,rgba(19,41,75,.8) 42%,rgba(19,41,75,.1) 80%);z-index:1}
.hero .wrap{position:relative;z-index:2;padding:4rem 0}
.hero-copy{max-width:620px}
@media (max-width:760px){.hero::after{background:rgba(19,41,75,.82)}}
.logo .lt b{color:var(--orange);font-weight:800}
.logo{font-family:"Barlow Condensed",sans-serif;font-size:1.55rem;text-transform:uppercase;letter-spacing:.02em}
.hero .btn.ghost,.band-navy .btn.ghost{color:#fff;border-color:#fff}
.hero .btn.ghost:hover,.band-navy .btn.ghost:hover{background:#fff;color:var(--navy)}
@media (max-width:560px){.topbar .wrap span+span{display:none}}
.lead-photo{margin:1.2rem 0 1.6rem}
.lead-photo img,.split-img img{border-radius:14px;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover}
.split{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center}
@media (max-width:860px){.split{grid-template-columns:1fr}}
a.card.has-img{padding:0;overflow:hidden}
a.card.has-img .thumb{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;display:block}
a.card.has-img .cb{padding:1.1rem 1.3rem 1.3rem}
.sheet{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;display:flex;flex-direction:column}
.sheet .pv{background:#eef1f5;padding:1.2rem;display:flex;justify-content:center}
.sheet .pv img{width:auto;max-height:300px;box-shadow:0 8px 20px rgba(0,0,0,.15);border-radius:3px}
.sheet .sb{padding:1.2rem 1.3rem;display:flex;flex-direction:column;flex:1}
.sheet .sb .btns{margin-top:auto;padding-top:.8rem}
.drill{background:#fff;border:1px solid var(--line);border-left:5px solid var(--orange);border-radius:12px;padding:1.2rem 1.4rem;margin:1rem 0}
.drill h3{margin-bottom:.2rem}
.drill .dmeta{display:flex;flex-wrap:wrap;gap:.4rem;margin:.2rem 0 .6rem}
.drill .dmeta span{font-size:.82rem;font-weight:700;background:#eef1f5;color:var(--navy);padding:.15rem .55rem;border-radius:6px}
.big-num{font-family:"Barlow Condensed",sans-serif;font-weight:800;font-size:2.4rem;color:var(--orange);line-height:1}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}
.gear-cat h3{display:flex;align-items:center;gap:.5rem}
.gear-list{list-style:none;padding:0;margin:.5rem 0 0}
.gear-list li{padding:.55rem 0;border-bottom:1px dashed var(--line);display:flex;justify-content:space-between;gap:1rem;align-items:baseline}
.gear-list li:last-child{border-bottom:0}
.gear-list a{white-space:nowrap;font-weight:700;font-size:.92rem}
.sheet .tag,a.card .tag{align-self:flex-start}