:root{--lv-primary:#0b2239;--lv-secondary:#087f75;--lv-accent:#20b7a7;--lv-dark:#142334;--lv-light:#f4f8f7;--lv-muted:#64727f;--lv-border:#dbe5e3;--lv-radius:18px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--lv-dark);line-height:1.65;background:#fff}a{color:var(--lv-secondary)}h1,h2,h3{color:var(--lv-primary);font-weight:750;letter-spacing:-.035em;line-height:1.12}h1{font-size:clamp(2.65rem,6vw,5.7rem)}h2{font-size:clamp(2rem,3.8vw,3.4rem)}h3{font-size:1.25rem}.container{max-width:1200px}.narrow{max-width:820px}.section{padding-block:clamp(4rem,8vw,7rem)}.bg-soft{background:var(--lv-light)}.bg-navy{background:var(--lv-primary)!important}.eyebrow{display:block;color:var(--lv-secondary);font-size:.76rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;margin-bottom:1rem}.site-header{border-bottom:1px solid var(--lv-border)}.navbar{min-height:76px}.navbar-brand{display:flex;align-items:center;gap:.6rem;color:var(--lv-primary);font-size:1.42rem;font-weight:800}.brand-dot{width:15px;height:15px;border-radius:50% 50% 50% 0;background:var(--lv-accent);transform:rotate(-45deg)}.nav-link{font-weight:600;color:var(--lv-dark);font-size:.92rem}.mega-menu{width:560px;max-width:90vw;border-color:var(--lv-border);border-radius:14px;box-shadow:0 16px 50px #0b22391a}.btn{border-radius:999px;font-weight:750;padding:.72rem 1.3rem}.btn-lv-primary{color:#fff;background:var(--lv-secondary);border-color:var(--lv-secondary)}.btn-lv-primary:hover,.btn-lv-primary:focus{color:#fff;background:#06675f;border-color:#06675f}.btn-lv-outline{color:var(--lv-primary);border:1px solid var(--lv-primary);background:#fff}.btn-lv-outline:hover{color:#fff;background:var(--lv-primary)}.hero{overflow:hidden;padding-block:clamp(5rem,10vw,9rem);background:linear-gradient(125deg,#f2fbf9 0%,#fff 60%)}.hero .lead,.page-hero .lead{font-size:clamp(1.15rem,2vw,1.35rem);max-width:700px;color:var(--lv-muted);margin-block:1.5rem 2rem}.hero-panel{background:var(--lv-primary);color:#fff;border-radius:32px;padding:clamp(2rem,5vw,4rem);box-shadow:0 24px 70px #0b223929}.hero-panel span,.hero-panel strong{display:block}.hero-panel strong{font-size:2.1rem;line-height:1.15;margin:.8rem 0}.hero-panel a{color:#78e0d3;font-weight:700}.trust-line{margin:2rem 0 0;color:var(--lv-muted);font-size:.9rem}.section-heading{max-width:680px;margin-bottom:2.5rem}.intent{margin-top:-3rem}.intent-link,.tool-link,.guide-link{height:100%;display:block;color:var(--lv-primary);text-decoration:none;border:1px solid var(--lv-border);border-radius:var(--lv-radius);padding:1.5rem;background:#fff;transition:.2s}.intent-link{display:flex;justify-content:space-between;align-items:center;font-weight:750}.intent-link:hover,.tool-link:hover,.guide-link:hover{transform:translateY(-4px);border-color:var(--lv-accent);box-shadow:0 18px 40px #0b223912}.step b{color:var(--lv-secondary)}.step h3{margin-top:1rem}.tool-link span,.guide-link span,.guide-link b{color:var(--lv-secondary);font-weight:750}.page-hero{padding-block:clamp(4rem,8vw,7rem);background:var(--lv-light)}.process-list li{padding:.8rem}.notice{border-left:4px solid var(--lv-accent);background:var(--lv-light);padding:1rem 1.2rem;margin:2rem 0}.side-cta,.results{border-radius:var(--lv-radius);padding:2rem;background:var(--lv-light)}.guide-link h2{font-size:1.5rem;margin:1rem 0 2rem}.prose h2{font-size:2rem;margin-top:2.5rem}.form-control,.form-select{min-height:50px;border-color:var(--lv-border);border-radius:10px}.form-control:focus,.form-select:focus{border-color:var(--lv-secondary);box-shadow:0 0 0 .2rem #087f7520}.calculator{max-width:1050px;margin:auto}.results{background:var(--lv-primary);color:#fff;min-height:360px}.results h2,.results h3{color:#fff}.result-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem}.result-item{padding:1rem;border:1px solid #ffffff25;border-radius:12px}.result-item span,.result-item strong{display:block}.result-item strong{font-size:1.45rem}.footer{background:#071a2c;color:#b7c5ce}.footer h2{font-size:.8rem;color:#fff;text-transform:uppercase;letter-spacing:.08em}.footer a{display:block;color:#d9e4e8;text-decoration:none;margin:.5rem 0}.footer .navbar-brand{display:inline-flex}.mobile-cta{position:fixed;z-index:1035;left:0;right:0;bottom:0;display:grid!important;grid-template-columns:1fr 1fr;gap:.5rem;padding:.65rem;background:#fff;border-top:1px solid var(--lv-border)}.skip-link{position:absolute;left:-9999px}.skip-link:focus{left:1rem;top:1rem;z-index:9999;background:#fff;padding:1rem}@media(max-width:991.98px){body{padding-bottom:70px}.mega-menu{width:auto}.navbar-collapse{padding:1rem 0;max-height:75vh;overflow:auto}.intent{margin-top:0}}@media(max-width:575.98px){h1{font-size:2.55rem}.section{padding-block:3.5rem}.intent-link{min-height:110px;align-items:flex-start}.result-grid{grid-template-columns:1fr}.hero{padding-top:4rem}}