/* Card The Bill: shared styles v3. Mobile-first, system fonts, no build step. */
:root{--ink:#0f2a28;--soft:#3d5653;--brand:#0b5d57;--dark:#08443f;--mid:#14a38b;--mint:#e8f6f2;--line:#cfe7e1;--sun:#ffd166;--warn:#fff8e6;--warnline:#f3dc9c;--focus:#b5470b;--r:14px;--sh:0 1px 2px rgba(15,42,40,.06),0 6px 20px rgba(15,42,40,.07);--font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;font-family:var(--font);font-size:1.0625rem;line-height:1.6;color:var(--ink);background:#fff}
img,svg{max-width:100%;height:auto}
h1,h2,h3{line-height:1.2;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(1.9rem,5.5vw,3rem)}h2{font-size:clamp(1.45rem,3.6vw,2rem);margin-top:1.6em}h3{font-size:1.15rem;margin-top:1.2em}
p,ul,ol{margin:0 0 1em}
a{color:var(--brand);text-underline-offset:3px}a:hover{color:var(--dark)}
:focus-visible{outline:3px solid var(--focus);outline-offset:3px;border-radius:4px}
#main:focus{outline:none}[id]{scroll-margin-top:80px}
.sr-only{position:absolute!important;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:1rem;top:-100px;z-index:100;background:var(--ink);color:#fff;padding:.6rem 1rem;border-radius:8px;font-weight:600}
.skip-link:focus{top:1rem;color:#fff}
.container{width:100%;max-width:1120px;margin:0 auto;padding:0 1.25rem}
.narrow{max-width:800px}.center{text-align:center}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:64px;flex-wrap:wrap}
.brand{display:inline-flex;align-items:center;gap:.55rem;font-weight:800;font-size:1.15rem;color:var(--ink);text-decoration:none;min-height:44px}
.nav-toggle{display:inline-flex;align-items:center;gap:.5rem;min-height:44px;min-width:44px;font:inherit;font-weight:600;color:var(--ink);background:transparent;border:2px solid var(--line);border-radius:10px;padding:.4rem .75rem;cursor:pointer}
.bars,.bars::before,.bars::after{display:block;width:18px;height:2px;background:currentColor;border-radius:2px;position:relative;content:""}
.bars::before{position:absolute;top:-6px}.bars::after{position:absolute;top:6px}
.site-nav{display:none;width:100%}.site-nav.is-open{display:block}
.site-nav ul{list-style:none;margin:0;padding:.5rem 0 1rem}
.site-nav a{display:flex;align-items:center;min-height:44px;padding:.5rem .25rem;font-weight:600;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--mint)}
.site-nav a[aria-current]{color:var(--brand)}
.no-js .nav-toggle{display:none}.no-js .site-nav{display:block}
@media (min-width:1060px){.nav-toggle{display:none}.site-nav,.no-js .site-nav{display:block;width:auto}.site-nav ul{display:flex;gap:.1rem;padding:0}.site-nav a{border:0;padding:.4rem .55rem;border-radius:8px;font-size:.95rem}.site-nav a:hover,.site-nav a[aria-current]{background:var(--mint)}}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.4rem;min-height:48px;padding:.65rem 1.2rem;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;text-align:center;font:inherit;font-weight:700;cursor:pointer}
.btn-primary{background:var(--brand);color:#fff}.btn-primary:hover{background:var(--dark);color:#fff}
.btn-outline{background:#fff;color:var(--brand);border-color:var(--brand)}.btn-outline:hover{background:var(--mint)}
.cta-row{display:flex;flex-wrap:wrap;gap:.75rem;margin:1.25rem 0 .75rem}
.hero{background:linear-gradient(180deg,var(--mint) 0,#fff 100%);padding:2.5rem 0 2rem}
.hero-inner{display:grid;gap:2rem;align-items:center}.hero-art{display:none;justify-self:center}
@media (min-width:860px){.hero{padding:4rem 0 3rem}.hero-inner{grid-template-columns:1.4fr 1fr}.hero-art{display:block}}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--brand);background:#fff;border:1px solid var(--line);padding:.3rem .7rem;border-radius:999px}
.lead{font-size:1.15rem;color:var(--soft);max-width:42em}
.fine,.meta{font-size:.9rem;color:var(--soft)}
.section{padding:2.5rem 0}.tint{background:var(--mint)}
@media (min-width:860px){.section{padding:3.5rem 0}}
.crumbs{font-size:.9rem;margin:1.25rem 0 .75rem}.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.25rem}
.crumbs li+li::before{content:"/";margin:0 .35rem;color:var(--soft)}
.cards{list-style:none;margin:0;padding:0;display:grid;gap:1rem}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--mid);border-radius:var(--r);padding:1.2rem 1.3rem;box-shadow:var(--sh)}
.card h3{margin-top:0}.card p{margin:0;color:var(--soft)}.card a.more{display:inline-flex;align-items:center;min-height:44px;font-weight:700}
@media (min-width:640px){.cards{grid-template-columns:repeat(2,1fr)}}@media (min-width:980px){.cards.three{grid-template-columns:repeat(3,1fr)}}
.steps{padding-left:1.4rem}.steps li{margin-bottom:.6rem}
.note{background:var(--warn);border:1px solid var(--warnline);border-radius:var(--r);padding:1rem 1.25rem;margin:1.25rem 0}
.note p:last-child{margin:0}
.alert{background:#fde8e1;border:1px solid #f1b7a5;border-radius:var(--r);padding:1rem 1.25rem;margin:1rem 0}
.tbl{position:relative;overflow-x:auto;margin:1rem 0;border:1px solid var(--line);border-radius:12px}
table{border-collapse:collapse;width:100%;min-width:520px;font-size:.95rem;background:#fff}
caption{text-align:left;font-weight:700;padding:.75rem 1rem}
th,td{padding:.55rem .75rem;border-top:1px solid var(--line);text-align:left;vertical-align:top}
thead th{background:var(--mint)}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:.75rem}
.faq summary{cursor:pointer;list-style:none;min-height:44px;padding:.85rem 3rem .85rem 1.1rem;font-weight:700;position:relative;border-radius:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:1.1rem;top:50%;transform:translateY(-50%);font-size:1.5rem;font-weight:400;color:var(--brand)}
.faq details[open] summary::after{content:"\2212"}
.faq details>div{padding:0 1.1rem .9rem;color:var(--soft)}.faq details>div p:last-child{margin:0}
.cd{background:var(--ink);color:#fff;border-radius:var(--r);padding:1rem 1.25rem;margin:1rem 0}
.cd strong{color:var(--sun)}.cd a{color:#fff}.cd-n{display:flex;gap:.75rem;flex-wrap:wrap;margin:.4rem 0}
.cd-n span{background:rgba(255,255,255,.1);border-radius:10px;padding:.35rem .7rem;font-weight:700}
.cd-n b{font-size:1.5rem;color:var(--sun);margin-right:.25rem}
.form{display:grid;gap:.9rem;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.25rem;box-shadow:var(--sh)}
.form label,.form legend{font-weight:700;display:block;margin-bottom:.25rem}
.form input,.form select{width:100%;min-height:44px;font:inherit;padding:.5rem .7rem;border:2px solid var(--line);border-radius:10px;background:#fff}
.form fieldset{border:0;padding:0;margin:0}.form .chk{display:flex;align-items:center;gap:.6rem;min-height:44px;font-weight:600}
.form .chk input{width:24px;height:24px;min-height:0}
.opts{display:flex;flex-wrap:wrap;gap:.5rem}.opts .btn{min-width:44px}.opts .btn[aria-pressed=true]{background:var(--brand);color:#fff}
.out{background:var(--mint);border-radius:var(--r);padding:1rem 1.25rem;margin-top:1rem}.out dl{display:grid;grid-template-columns:1fr auto;gap:.3rem 1rem;margin:0 0 .75rem}.out dd{margin:0;font-weight:700;text-align:right}
.verdict{font-weight:700;font-size:1.1rem}
@media (min-width:760px){.grid2{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}}
.sources{font-size:.92rem}.sources li{margin-bottom:.35rem}
.site-footer{background:var(--ink);color:#d6e6e3;padding:2.25rem 0;font-size:.95rem;margin-top:2rem}
.site-footer a{color:#fff;display:inline-flex;align-items:center;min-height:44px}
.disclosure{color:#fff;font-weight:600}.foot-links{display:flex;flex-wrap:wrap;gap:0 1.25rem;list-style:none;padding:0}
.gt{font-size:1.2rem;margin:1.4em 0 .3em}