/* Editorial reading system: desktop-first composition with calm, high-contrast pacing. */
:focus-visible{outline:3px solid #f6c453;outline-offset:4px}
.story-hero{position:relative;min-height:680px;display:grid;align-items:end;background:#0b2031;color:#fff;overflow:hidden}
.story-hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}
.story-hero-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(5,23,37,.93) 0%,rgba(5,23,37,.8) 36%,rgba(5,23,37,.14) 70%,rgba(5,23,37,.06) 100%)}
.story-hero-inner{position:relative;z-index:2;padding-top:96px;padding-bottom:105px}
.story-hero-copy{width:min(620px,52vw)}
.story-hero h1{max-width:620px;color:#fff;font-size:clamp(3.1rem,4.7vw,4.9rem);line-height:1.02;letter-spacing:-.045em}
.story-hero .lead{max-width:590px;margin:24px 0 28px;color:#e7eff2;font-size:1.23rem;line-height:1.55}
.eyebrow-light,.chapter-light{color:#8de5d8}
.button-warm{background:#f3b447;color:#102a43!important;box-shadow:0 12px 30px rgba(0,0,0,.25)}
.button-warm:hover{background:#ffc767}
.microcopy-light{margin-top:14px;color:#d2e0e5}
.story-caption{position:absolute;z-index:2;right:24px;bottom:18px;max-width:440px;margin:0;color:#f4f7f8;font-size:.78rem;text-align:right;text-shadow:0 1px 4px rgba(0,0,0,.7)}
.reading-column{width:min(calc(100% - 40px),760px);margin-inline:auto}
.story-opening{padding:108px 0;background:#fff}
.chapter-label{display:block;margin-bottom:20px;color:#0f766e;font-size:.76rem;font-weight:850;letter-spacing:.12em;text-transform:uppercase}
.story-lede{font-size:2rem!important;line-height:1.3;color:#102a43!important;font-weight:750}
.story-opening p{font-size:1.18rem;line-height:1.78;color:#314c5e}
.pull-question{margin:46px -90px;padding:14px 0 18px;border-block:1px solid #d9e3e8;color:#102a43;font-size:clamp(2rem,3.5vw,3.25rem);line-height:1.18;font-weight:800;letter-spacing:-.035em;text-align:center}
.number-story{padding:100px 0;background:#102a43;color:#dbe8ee}
.number-story-grid{display:grid;grid-template-columns:.72fr 1.28fr;column-gap:72px;row-gap:54px;align-items:start}
.number-story h2{max-width:520px;color:#fff;font-size:clamp(2.5rem,4vw,4rem)}
.section-lead-light{max-width:500px;color:#bdd1da;font-size:1.12rem}
.equation{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;gap:14px;align-items:center;padding:34px;border:1px solid rgba(255,255,255,.14);border-radius:24px;background:rgba(255,255,255,.06)}
.equation div{min-width:0}.equation strong{display:block;color:#fff;font-size:2rem;line-height:1.1}.equation span{display:block;margin-top:7px;color:#bcd0d9;font-size:.76rem}.equation b{color:#77d7c9;font-size:1.5rem}
.equation-total{grid-column:1/-1;margin-top:8px;padding-top:22px;border-top:1px solid rgba(255,255,255,.16);display:flex;gap:18px;align-items:baseline}
.equation-total strong{font-size:3rem;color:#f3b447}.equation-total span{font-size:.9rem}
.debt-split{grid-column:1/-1;display:grid;grid-template-columns:1fr 1fr;border-radius:24px;overflow:hidden}
.debt-split>div{padding:34px 40px}.debt-split>div>span{font-weight:850;text-transform:uppercase;letter-spacing:.08em;font-size:.75rem}.debt-split ul{display:grid;grid-template-columns:1fr 1fr;gap:8px 25px;margin:18px 0 0;padding-left:20px}
.debt-split-yes{background:#dff6ef;color:#0c493f}.debt-split-no{background:#fff0dc;color:#69451b}
.story-chapter{padding:112px 0;background:#f6f1e8}
.story-chapter-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:84px;align-items:center}
.story-photo{margin:0}.story-photo img{width:100%;aspect-ratio:3/2;object-fit:cover;border-radius:4px 4px 60px 4px;box-shadow:0 24px 55px rgba(16,42,67,.18)}
.story-photo figcaption,.guide-hero-image figcaption{padding:12px 4px 0;color:#607383;font-size:.78rem}
.story-chapter-copy h2{font-size:clamp(2.5rem,4vw,4rem)}.story-chapter-copy>p{font-size:1.12rem;color:#3e5666}
.path-list{margin-top:34px;border-top:1px solid #d7cfc3}.path-list a{display:flex;gap:20px;padding:22px 0;border-bottom:1px solid #d7cfc3;color:#102a43;text-decoration:none}.path-list>a>span{color:#0f766e;font-weight:900}.path-list strong,.path-list small{display:block}.path-list small{margin-top:3px;color:#607383;font-size:.84rem}.path-list a:hover strong{color:#0f766e}
.reality-section{padding:110px 0;background:#fff}.reading-column-wide{width:min(calc(100% - 40px),960px)}.reality-section h2{max-width:780px;font-size:clamp(2.5rem,4vw,3.8rem)}
.reality-grid{display:grid;grid-template-columns:1fr 1fr;margin-top:45px;border-top:1px solid #d9e3e8;border-left:1px solid #d9e3e8}.reality-grid>div{padding:30px;border-right:1px solid #d9e3e8;border-bottom:1px solid #d9e3e8}.reality-grid strong{display:block;margin-bottom:8px;color:#102a43;font-size:1.2rem}.reality-grid p{margin:0;color:#526777}.source-note{margin-top:24px;color:#637887;font-size:.85rem}
.section-head-row{display:flex;justify-content:space-between;align-items:end;gap:40px;margin-bottom:38px}.section-head-row h2{max-width:650px;margin:0}.text-link{font-weight:800;white-space:nowrap}
.editorial-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:46px}.editorial-feature{display:block;color:#102a43;text-decoration:none}.editorial-feature img{width:100%;aspect-ratio:16/9;object-fit:cover;margin-bottom:22px;border-radius:4px 4px 40px 4px}.editorial-feature span,.editorial-list span{color:#0f766e;font-size:.75rem;font-weight:850;text-transform:uppercase;letter-spacing:.08em}.editorial-feature h3{margin:.35em 0;font-size:2rem}.editorial-feature p,.editorial-list p{color:#526777}.editorial-list{border-top:1px solid #d9e3e8}.editorial-list a{display:block;padding:22px 0;border-bottom:1px solid #d9e3e8;color:#102a43;text-decoration:none}.editorial-list h3{margin:.35em 0;font-size:1.3rem}.editorial-list p{margin:0;font-size:.9rem}
.final-invitation{padding:92px 0;background:#0b2031;color:#dce9ee}.final-invitation-grid{display:grid;grid-template-columns:1fr auto;gap:80px;align-items:center}.final-invitation h2{max-width:760px;color:#fff;font-size:clamp(2.5rem,4vw,4rem)}.final-invitation p{max-width:700px}.button-large{min-height:60px;padding-inline:28px}
.guide-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px}.article-card{overflow:hidden;border:1px solid #d9e3e8;border-radius:4px 4px 28px 4px;background:#fff;box-shadow:0 16px 42px rgba(16,42,67,.08)}.article-card>a{display:block}.article-card img{width:100%;aspect-ratio:16/9;object-fit:cover}.article-card-body{padding:28px}.article-card h2{font-size:1.7rem}.article-card h2 a{color:#102a43;text-decoration:none}.article-meta{color:#667b89;font-size:.78rem}
.guide-image-wrap{margin-top:-18px;position:relative}.guide-hero-image{max-width:980px;margin:0;border-radius:4px 4px 42px 4px}.guide-hero-image img{width:100%;aspect-ratio:16/9;object-fit:cover;border-radius:inherit}
.content-layout{grid-template-columns:minmax(0,720px) minmax(300px,350px);justify-content:space-between;gap:68px}.prose{font-size:1.08rem;line-height:1.78}.prose p,.prose li{color:#2f4a5b}.prose h2{font-size:2.2rem;margin-top:2.1em}.prose h3{font-size:1.35rem}.article-hero{padding:76px 0 64px}.article-hero h1{max-width:920px;font-size:clamp(2.7rem,4vw,4.2rem)}.article-hero .lead{max-width:800px;line-height:1.65}
.result-video{margin:34px 0;padding:26px;border:1px solid #d9e3e8;border-radius:4px 4px 28px 4px;background:#f6f1e8}.result-video-intro{max-width:650px}.result-video-intro h3{font-size:1.65rem}.result-video video{display:block;width:100%;margin:22px 0 16px;border-radius:4px;background:#0b2031;box-shadow:0 15px 35px rgba(16,42,67,.16)}.result-video details{font-size:.9rem;color:#526777}.result-video summary{cursor:pointer;color:#102a43;font-weight:800}.result-video details p{margin:12px 0 0}
@media(max-width:1050px){.main-nav{gap:16px}.main-nav>a:not(.button){font-size:.86rem}.story-hero-copy{width:min(590px,58vw)}.number-story-grid{column-gap:42px}.story-chapter-grid{gap:48px}}
@media(max-width:900px){.story-hero{min-height:720px;align-items:end}.story-hero-bg{object-position:62% center}.story-hero-shade{background:linear-gradient(0deg,rgba(5,23,37,.96) 0%,rgba(5,23,37,.74) 60%,rgba(5,23,37,.2) 100%)}.story-hero-inner{padding-top:230px;padding-bottom:70px}.story-hero-copy{width:min(620px,100%)}.story-hero h1{font-size:clamp(2.75rem,8vw,4rem)}.story-caption{display:none}.pull-question{margin:40px 0}.number-story-grid,.story-chapter-grid,.editorial-grid,.final-invitation-grid{grid-template-columns:1fr}.equation{grid-template-columns:1fr auto 1fr}.equation>div:nth-of-type(3){grid-column:1/2}.story-chapter-grid{gap:45px}.final-invitation-grid{gap:30px}.section-head-row{align-items:start;flex-direction:column}.guide-grid{grid-template-columns:1fr}}
@media(max-width:620px){.story-hero{min-height:680px}.story-hero-inner{padding-top:250px;padding-bottom:55px}.story-hero h1{font-size:2.55rem}.story-hero .lead{font-size:1.05rem}.story-opening,.number-story,.story-chapter,.reality-section{padding:72px 0}.story-lede{font-size:1.6rem!important}.pull-question{font-size:2rem;text-align:left}.number-story h2,.story-chapter-copy h2,.reality-section h2,.final-invitation h2{font-size:2.25rem}.equation{grid-template-columns:1fr;padding:26px}.equation b{display:none}.equation>div:nth-of-type(3){grid-column:auto}.equation-total{display:block}.debt-split{grid-template-columns:1fr}.debt-split ul{grid-template-columns:1fr}.reality-grid{grid-template-columns:1fr}.guide-image-wrap{margin-top:0}.article-card-body{padding:22px}.prose{font-size:1.03rem}.prose h2{font-size:1.8rem}.comparison{display:block;overflow-x:auto}.article-hero{padding:54px 0 45px}}

/* Secondary pages: chapter-like rhythm instead of a generic document layout. */
.article-hero{position:relative;isolation:isolate;overflow:hidden;padding:88px 0 82px;background:linear-gradient(128deg,#0b2031 0%,#102f48 62%,#174d58 100%)}
.article-hero:before{content:"";position:absolute;z-index:-1;right:-90px;top:-240px;width:620px;height:620px;border:1px solid rgba(141,229,216,.22);border-radius:50%;box-shadow:0 0 0 90px rgba(141,229,216,.04),0 0 0 180px rgba(141,229,216,.025)}
.article-hero:after{content:"20K+";position:absolute;z-index:-1;right:7%;bottom:-.3em;color:rgba(255,255,255,.035);font-size:13rem;font-weight:900;line-height:1;letter-spacing:-.08em}
.article-hero .container{position:relative;z-index:1}.article-hero h1{max-width:900px;color:#fff;font-size:clamp(3rem,4.5vw,4.8rem);line-height:1.04}.article-hero .lead{max-width:790px;color:#d6e5eb;font-size:1.22rem}.article-hero .eyebrow{color:#8de5d8}.article-hero .breadcrumbs,.article-hero .breadcrumbs a{color:#b9ced7}.article-hero .amount-nav a{background:rgba(255,255,255,.09);border-color:rgba(255,255,255,.2);color:#fff}
.content-layout{align-items:start}.qual-panel{height:auto;align-self:start}.prose{max-width:720px}.prose>h2{position:relative;margin-top:2.4em;padding-top:34px;border-top:1px solid #d9e3e8}.prose>h2:first-child{margin-top:0}.prose>h2:before{content:"";position:absolute;left:0;top:-2px;width:72px;height:3px;background:#0f766e}.prose>p:first-of-type{font-size:1.15rem;color:#233f51}.prose li{margin:.45em 0}.prose .note{margin-block:34px;padding:24px 26px}.comparison{border:1px solid #d9e3e8;border-radius:12px;overflow:hidden}.comparison th{background:#102a43;color:#fff}.comparison tbody tr:nth-child(even){background:#f6f8f8}.comparison td{border-right:1px solid #e2e9ec}.comparison td:last-child{border-right:0}.section:has(.content-layout){background:linear-gradient(90deg,#fff 0%,#fff 72%,#f6f1e8 72%,#f6f1e8 100%)}
.state-directory{margin-top:56px}.state-directory-head{display:flex;justify-content:space-between;align-items:end;gap:32px;margin-bottom:24px}.state-directory-head h2{margin:0}.state-directory-head p{max-width:560px;margin:0;color:#526777}.state-list{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid #d9e3e8;border-left:1px solid #d9e3e8}.state-list>*{display:flex;min-height:72px;align-items:center;justify-content:space-between;gap:10px;padding:15px 18px;border-right:1px solid #d9e3e8;border-bottom:1px solid #d9e3e8;color:#102a43;text-decoration:none;background:#fff;font-weight:750}.state-list a{background:#e9f7f4}.state-list a:hover{background:#d8f1eb}.state-list small{color:#0f766e;font-size:.64rem;text-transform:uppercase;letter-spacing:.06em}.coverage-note{display:grid;grid-template-columns:auto 1fr;gap:18px;margin-top:30px;padding:24px;border-radius:4px 4px 24px 4px;background:#fff0dc;color:#69451b}.coverage-note strong{font-size:1.4rem}.coverage-note p{margin:0}
.quiz-video-intro{padding:80px 0;background:#102a43;color:#dbe8ee}.quiz-video-grid{display:grid;grid-template-columns:.75fr 1.25fr;gap:58px;align-items:center}.quiz-video-copy h2{color:#fff;font-size:clamp(2.2rem,3.5vw,3.4rem)}.quiz-video-copy p{color:#c2d5dd}.quiz-video-frame{margin:0}.quiz-video-frame video{display:block;width:100%;aspect-ratio:16/9;object-fit:cover;border-radius:4px 4px 36px 4px;background:#071827;box-shadow:0 24px 55px rgba(0,0,0,.32)}.quiz-video-frame figcaption{padding-top:12px;color:#a9c0cb;font-size:.78rem}
.quiz-video-copy details{margin-top:26px;padding-top:20px;border-top:1px solid rgba(255,255,255,.16);color:#b9ced7}.quiz-video-copy summary{cursor:pointer;color:#fff;font-weight:800}.quiz-video-copy details p{margin:14px 0 0;font-size:.9rem}
.quiz-section{position:relative;padding:92px 0 108px;background:linear-gradient(145deg,#edf7f5 0%,#f8f6f1 58%,#fff4e5 100%)}.quiz-section:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 12% 18%,rgba(15,118,110,.11),transparent 24%),radial-gradient(circle at 91% 82%,rgba(212,154,40,.12),transparent 25%);pointer-events:none}.quiz-section .quiz-shell{position:relative;max-width:850px;padding:52px 56px 58px;border:1px solid rgba(16,42,67,.12);border-top:7px solid #0f766e;border-radius:6px 6px 30px 6px;background:#fff;box-shadow:0 28px 70px rgba(16,42,67,.16)}.quiz-card-intro{display:flex;justify-content:space-between;gap:24px;margin:-10px 0 38px;padding-bottom:22px;border-bottom:1px solid #d9e3e8}.quiz-card-intro span{color:#0f766e;font-size:.75rem;font-weight:900;letter-spacing:.1em;text-transform:uppercase}.quiz-card-intro strong{max-width:390px;color:#526777;font-size:.82rem;text-align:right}.quiz-step{scroll-margin-top:105px}.quiz-step>h2{max-width:680px;font-size:clamp(2rem,3.4vw,3rem)}.quiz-step>p{max-width:650px;color:#526777;font-size:1.05rem}.quiz-section .answer{position:relative;min-height:96px;padding:22px 50px 22px 24px;border:2px solid #d9e3e8;background:#fbfcfc;box-shadow:0 8px 22px rgba(16,42,67,.045);transition:.18s}.quiz-section .answer:after{content:"→";position:absolute;right:22px;top:50%;color:#0f766e;font-size:1.4rem;transform:translateY(-50%)}.quiz-section .answer:hover,.quiz-section .answer:focus-visible{border-color:#0f766e;background:#e9f7f4;box-shadow:0 12px 28px rgba(15,118,110,.12);transform:translateY(-2px)}.quiz-section .debt-inputs{gap:10px}.quiz-section .debt-row{padding:14px 16px;border:1px solid #e0e8eb;border-radius:12px;background:#f8faf9}.quiz-section .debt-row input{border:2px solid #cbd8de;background:#fff;font-weight:800}.quiz-section .debt-row input:focus{border-color:#0f766e;outline:3px solid rgba(15,118,110,.13)}.quiz-section .quiz-total{margin-top:20px;padding:22px 24px;border:1px solid #bce1da;font-size:1.2rem}.quiz-section .hero-actions{margin-bottom:0}.quiz-section #calculate{width:100%;font-size:1rem}.quiz-section #resultContent>.button{margin-top:10px}.quiz-section #resultContent .microcopy{margin-top:12px}
.number-story .chapter-label,.final-invitation .chapter-label,.quiz-video-copy .eyebrow,.state-map-result .eyebrow,.excluded-state-section .chapter-label,.qual-panel .eyebrow{color:#8de5d8}.story-photo figcaption,.path-list small{color:#526777}

/* Interactive state explorer: the list below remains the indexable, no-JS fallback. */
.state-map-section{padding:90px 0;background:#f6f1e8}.state-map-heading{display:flex;justify-content:space-between;align-items:end;gap:42px;margin-bottom:40px}.state-map-heading h2{max-width:720px;margin:0;font-size:clamp(2.3rem,4vw,3.8rem)}.map-legend{display:flex;flex-wrap:wrap;gap:16px;color:#526777;font-size:.78rem;font-weight:750}.map-legend span{display:flex;align-items:center;gap:7px}.map-legend i{display:block;width:14px;height:14px;border-radius:4px}.legend-guide{background:#d49a28}.legend-supported{background:#168779}.legend-excluded{background:#cbd3d6}.state-map-layout{display:grid;grid-template-columns:minmax(0,1.7fr) minmax(300px,.7fr);gap:42px;align-items:center}.state-map{min-width:0;padding:24px;border:1px solid #e4ddd1;border-radius:4px 4px 36px 4px;background:#fff;box-shadow:0 22px 55px rgba(16,42,67,.1)}.state-map svg{display:block;width:100%;height:auto}.state-map svg [fill]{transition:fill .18s,filter .18s,stroke .18s}.state-map svg .map-state{cursor:pointer;outline:none}.state-map svg .map-state.is-supported,.state-map svg .map-state.is-supported path,.state-map svg .map-state.is-supported circle{fill:#168779}.state-map svg .map-state.is-guide,.state-map svg .map-state.is-guide path,.state-map svg .map-state.is-guide circle{fill:#d49a28}.state-map svg .map-state.is-excluded,.state-map svg .map-state.is-excluded path,.state-map svg .map-state.is-excluded circle{fill:#cbd3d6}.state-map svg .map-state:hover,.state-map svg .map-state:focus,.state-map svg .map-state.is-selected{filter:brightness(.83);stroke:#102a43;stroke-width:3}.state-map-result{min-height:330px;padding:34px;border-radius:4px 4px 32px 4px;background:#102a43;color:#c8dae2;box-shadow:0 22px 55px rgba(16,42,67,.18)}.state-map-result h3{color:#fff;font-size:2.1rem}.state-map-result p{color:#c8dae2}.state-map-result .button{margin-top:12px}.state-map-result .text-link{display:inline-block;margin-top:10px;color:#8de5d8;font-weight:800}.state-map-result .eyebrow-muted{color:#e7c78d}.map-source{margin:22px 0 0;color:#4d6471;font-size:.75rem}.featured-state-section{background:#fff}.featured-state-section>.container>.chapter-label{display:block;margin-bottom:24px}.state-card{position:relative;overflow:hidden}.state-card:before{content:"";position:absolute;right:-30px;top:-50px;width:130px;height:130px;border-radius:50%;background:#e9f7f4}.state-card>*{position:relative}.state-card strong{color:#0f766e;font-size:.88rem}.state-directory-section{background:#f4f8f8}.state-directory{margin-top:0}.excluded-state-section{background:#102a43;color:#c8dae2}.excluded-state-section h2{color:#fff}.excluded-state-section .container{display:grid;grid-template-columns:.75fr 1.25fr;gap:70px;align-items:start}.excluded-state-copy p{color:#c8dae2}.excluded-pills{display:flex;flex-wrap:wrap;gap:10px}.excluded-pills>span{padding:10px 14px;border:1px solid rgba(255,255,255,.17);border-radius:999px;color:#e5eef2;font-weight:700}.excluded-pills small{color:#8ba4b0}
@media(max-width:900px){.article-hero{padding:70px 0 64px}.article-hero:after{font-size:9rem}.section:has(.content-layout){background:#fff}.state-list{grid-template-columns:repeat(3,1fr)}.quiz-video-grid{grid-template-columns:1fr}.quiz-video-copy{max-width:700px}}
@media(max-width:900px){.state-map-heading{align-items:start;flex-direction:column}.state-map-layout{grid-template-columns:1fr}.state-map-result{min-height:0}.excluded-state-section .container{grid-template-columns:1fr;gap:28px}}
@media(max-width:620px){.article-hero{padding:56px 0 52px}.article-hero h1{font-size:2.6rem}.article-hero:after{font-size:6rem}.state-directory-head{align-items:start;flex-direction:column}.state-list{grid-template-columns:1fr 1fr}.state-list>*{min-height:64px;padding:12px}.state-list small{font-size:.58rem}.coverage-note{grid-template-columns:1fr}.quiz-video-intro{padding:58px 0}.quiz-video-grid{gap:30px}.quiz-video-frame video{border-radius:4px 4px 22px 4px}.quiz-section{padding:56px 0 70px}.quiz-section .quiz-shell{width:min(calc(100% - 24px),850px);padding:34px 22px 38px;border-radius:5px 5px 22px 5px}.quiz-card-intro{align-items:flex-start;flex-direction:column;gap:8px;margin-bottom:28px}.quiz-card-intro strong{max-width:none;text-align:left}.quiz-step{scroll-margin-top:90px}.quiz-section .answer{min-height:78px}.quiz-section .debt-row{padding:13px}.state-map-section{padding:62px 0}.state-map{margin-inline:-5px;padding:8px}.state-map-heading{margin-bottom:24px}.state-map-heading h2{font-size:2.35rem}.map-legend{gap:10px}.state-map-result{padding:26px}.excluded-pills>span{font-size:.84rem}}