:root{--ink:#1a1a1a;--muted:#5c5c54;--line:#e4e0d5;--paper:#faf8f2;--accent:#7a1f1f;--card:#fff}
*{box-sizing:border-box}
body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;-webkit-font-smoothing:antialiased}
a{color:var(--accent)}
.topbar{display:flex;align-items:center;justify-content:space-between;max-width:900px;margin:0 auto;padding:18px 24px;border-bottom:1px solid var(--line)}
.topbar .brand{font-weight:800;text-decoration:none;color:var(--ink);letter-spacing:.02em}
.topbar .brand span{color:var(--accent)}
.topbar nav a{margin-left:18px;font-size:14px;text-decoration:none;color:var(--muted)}
.article{max-width:760px;margin:0 auto;padding:40px 24px 90px}
.crumbs{font-size:13px;color:var(--muted);margin-bottom:14px}
.crumbs a{color:var(--muted)}
h1{font-size:32px;line-height:1.2;letter-spacing:-.01em;margin:0 0 16px}
h2{font-size:22px;margin:40px 0 12px}
.lede{font-size:19px;color:#33322c}
section{margin-top:8px}
.takeaways{width:100%;border-collapse:collapse;margin:22px 0 8px;background:var(--card);border:1px solid var(--line);border-radius:6px;overflow:hidden}
.takeaways caption{caption-side:top;text-align:left;font-weight:700;font-size:14px;letter-spacing:.02em;text-transform:uppercase;color:var(--muted);padding:0 0 8px}
.takeaways th,.takeaways td{padding:11px 14px;border-bottom:1px solid var(--line);text-align:left;font-size:15px;vertical-align:top}
.takeaways th{width:44%;color:var(--muted);font-weight:600}
.takeaways tr:last-child th,.takeaways tr:last-child td{border-bottom:0}
.disclaimer{font-size:13px;color:var(--muted);border-left:3px solid var(--line);padding-left:12px;margin-top:16px}
.faq details{border:1px solid var(--line);border-radius:6px;background:var(--card);padding:2px 16px;margin:10px 0}
.faq summary{font-weight:600;cursor:pointer;padding:12px 0;font-size:16px}
.faq p{margin:0 0 14px}
.lookup{margin:12px 0}
.lk-row{display:flex;gap:8px;max-width:340px}
.lk-row input{flex:1;padding:11px 13px;border:1px solid var(--line);border-radius:6px;font:inherit;font-size:16px}
.lk-row button{padding:11px 18px;border:0;border-radius:6px;background:var(--ink);color:#fff;font:inherit;font-weight:600;cursor:pointer}
.lk-out{margin-top:12px;font-size:15px}
.lk-out .big{font-size:26px;font-weight:800;letter-spacing:-.01em}
.lk-out .muted{color:var(--muted);font-size:13px}
.cta{background:var(--card);border:1px solid var(--line);border-radius:8px;padding:24px;margin-top:36px}
.cta h2{margin-top:0}
.btn{display:inline-block;text-decoration:none;background:var(--ink);color:#fff;padding:10px 18px;border-radius:6px;font-weight:600;font-size:15px;margin:4px 6px 0 0}
.btn.ghost{background:transparent;color:var(--ink);border:1px solid var(--line)}
.related a{text-decoration:none}
.state-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:10px;margin:24px 0}
.state-card{display:flex;justify-content:space-between;align-items:center;padding:14px 16px;border:1px solid var(--line);border-radius:8px;background:var(--card);text-decoration:none;color:var(--ink)}
.state-card:hover{border-color:var(--accent)}
.sc-name{font-weight:600}
.sc-rate{color:var(--muted);font-size:14px}
@media(max-width:520px){h1{font-size:26px}.lede{font-size:17px}}
@media(prefers-color-scheme:dark){:root{--ink:#ece7db;--muted:#a39f92;--line:#33322c;--paper:#16150f;--card:#1f1e16;--accent:#e08a6a}.btn{background:#e08a6a;color:#16150f}.lk-row button{background:#e08a6a;color:#16150f}}