:root{--navy:#16324f;--navy2:#0d263c;--teal:#2d6f73;--teal2:#3c8b86;--sand:#e9dfca;--cream:#f7f4ed;--ink:#1e2a32;--muted:#5e6b73;--line:#d8dee2;--white:#fff;--green:#3d7355;--amber:#9a6b1e;--red:#9c3f3f;--blue:#315d88;--shadow:0 10px 28px rgba(16,44,65,.08);--radius:18px;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.58}a{color:var(--blue);text-decoration-thickness:1px;text-underline-offset:3px}img,svg{max-width:100%}.skip{position:absolute;left:-9999px}.skip:focus{left:1rem;top:1rem;background:#fff;padding:.7rem 1rem;z-index:9999}.container{width:min(var(--max),calc(100% - 40px));margin:auto}.narrow{width:min(820px,calc(100% - 40px));margin:auto}.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.nav{height:72px;display:flex;align-items:center;gap:26px}.brand{display:flex;align-items:center;gap:11px;color:var(--navy);text-decoration:none;font-weight:800;letter-spacing:-.02em}.brand-mark{width:34px;height:34px;border-radius:50% 50% 46% 54%;background:linear-gradient(145deg,var(--teal),var(--navy));position:relative}.brand-mark:after{content:"";position:absolute;width:18px;height:8px;border:2px solid rgba(255,255,255,.8);border-left:0;border-right:0;left:8px;top:12px;transform:rotate(-12deg)}.nav-links{display:flex;align-items:center;gap:20px;margin-left:auto}.nav-links a{font-size:.91rem;color:#263a48;text-decoration:none;font-weight:650}.nav-links a:hover,.nav-links a[aria-current="page"]{color:var(--teal)}.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 11px;font-weight:700}.hero{background:linear-gradient(135deg,#edf5f2 0%,#f8f5ee 58%,#eef2f6 100%);padding:92px 0 78px;overflow:hidden;position:relative}.hero:after{content:"";position:absolute;width:460px;height:460px;border:1px solid rgba(45,111,115,.14);border-radius:48% 52% 45% 55%;right:-130px;top:-180px;transform:rotate(18deg)}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.76rem;font-weight:800;color:var(--teal)}h1,h2,h3{color:var(--navy);line-height:1.12;letter-spacing:-.035em}h1{font-size:clamp(2.6rem,6vw,5.3rem);max-width:950px;margin:.25em 0 .3em}h2{font-size:clamp(2rem,4vw,3.25rem);margin:.2em 0 .45em}h3{font-size:1.28rem;margin:.2em 0 .5em}.lead{font-size:clamp(1.1rem,2vw,1.35rem);max-width:820px;color:#3b4c56}.hero-actions,.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 18px;border-radius:999px;text-decoration:none;font-weight:750;border:1px solid var(--navy);background:var(--navy);color:#fff}.btn.secondary{background:transparent;color:var(--navy)}.btn.small{padding:8px 12px;font-size:.88rem}.section{padding:78px 0}.section.alt{background:var(--cream)}.section.dark{background:var(--navy2);color:#eef5f5}.section.dark h2,.section.dark h3{color:#fff}.section.dark .muted{color:#c8d5dc}.section-head{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(260px,.6fr);gap:40px;align-items:end;margin-bottom:34px}.kicker{font-size:1.04rem;color:var(--muted);max-width:720px}.grid{display:grid;gap:18px}.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}.grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}.grid.four{grid-template-columns:repeat(4,minmax(0,1fr))}.card{border:1px solid var(--line);border-radius:var(--radius);padding:24px;background:#fff;box-shadow:var(--shadow)}.card.flat{box-shadow:none}.card h3{margin-top:0}.metric{font-size:2rem;font-weight:850;color:var(--navy);letter-spacing:-.04em}.metric-label{font-size:.83rem;color:var(--muted)}.muted{color:var(--muted)}.small{font-size:.85rem}.badge{display:inline-flex;align-items:center;gap:5px;border-radius:999px;padding:4px 8px;font-size:.69rem;font-weight:800;letter-spacing:.035em;text-transform:uppercase;border:1px solid currentColor}.badge.verified{color:var(--green);background:#edf7f0}.badge.qualified{color:var(--blue);background:#edf3f8}.badge.modeled{color:#6951a1;background:#f3effb}.badge.illustrative{color:var(--amber);background:#fbf4e8}.badge.representative{color:#80623a;background:#f6f0e7}.badge.unresolved{color:var(--red);background:#fbefef}.badge.observed{color:var(--teal);background:#ecf7f6}.badge.recommendation{color:#234f3f;background:#e8f4ee}.source-note{margin-top:14px;padding-top:12px;border-top:1px solid var(--line);font-size:.79rem;color:var(--muted)}details.source{margin-top:12px;border-top:1px solid var(--line);padding-top:10px}details.source summary{cursor:pointer;font-weight:750;color:var(--navy);font-size:.84rem}.chart{min-height:280px;border:1px solid var(--line);border-radius:var(--radius);padding:18px;background:#fff}.chart-title{font-weight:800;color:var(--navy);font-size:1.08rem}.chart-sub{font-size:.83rem;color:var(--muted);margin-bottom:12px}.bars{display:flex;align-items:flex-end;gap:14px;height:210px;border-bottom:1px solid var(--line);padding:10px 8px 0}.bar-wrap{flex:1;height:100%;display:flex;flex-direction:column;justify-content:flex-end;align-items:center;min-width:0}.bar{width:min(52px,70%);background:linear-gradient(180deg,var(--teal2),var(--navy));border-radius:8px 8px 0 0;position:relative;min-height:2px}.bar-value{font-size:.75rem;font-weight:800;margin-bottom:5px}.bar-label{font-size:.72rem;text-align:center;margin-top:7px;color:var(--muted)}.range-row{display:grid;grid-template-columns:190px 1fr 110px;gap:14px;align-items:center;margin:14px 0}.range-track{height:16px;background:#e9eef1;border-radius:999px;position:relative}.range-fill{height:100%;border-radius:999px;background:linear-gradient(90deg,var(--teal),var(--navy))}.range-text{text-align:right;font-weight:800}.stack{display:flex;height:18px;border-radius:999px;overflow:hidden;background:#eee}.stack span:nth-child(1){background:#244b6b}.stack span:nth-child(2){background:#4f8a8b}.stack span:nth-child(3){background:#8ea8a1}.stack span:nth-child(4){background:#c8b58a}.stack span:nth-child(5){background:#8b6e58}.callout{border-left:5px solid var(--teal);background:#eef6f5;border-radius:0 var(--radius) var(--radius) 0;padding:22px 24px}.warning{border-left-color:var(--amber);background:#fbf5e9}.credibility{border:2px solid var(--navy);padding:28px;border-radius:var(--radius);background:#fff}.ladder{display:grid;grid-template-columns:repeat(6,1fr);gap:8px}.ladder .step{padding:16px 10px;border-radius:14px;background:#eef4f3;text-align:center}.step strong{display:block;color:var(--navy)}.parish-card{position:relative;overflow:hidden}.parish-card:before{content:"";position:absolute;width:90px;height:90px;border-radius:50%;background:#edf4f2;right:-20px;top:-20px}.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:14px}table{border-collapse:collapse;width:100%;min-width:680px}th,td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}th{background:#f1f4f5;color:var(--navy);font-size:.82rem}td{font-size:.88rem}.page-hero{padding:66px 0 46px;background:linear-gradient(135deg,#f1f7f5,#f8f6ef)}.page-hero h1{font-size:clamp(2.5rem,5vw,4.5rem)}.breadcrumb{font-size:.82rem;color:var(--muted)}.stat-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:16px;overflow:hidden}.stat-strip>div{background:#fff;padding:18px}.status-legend{display:flex;gap:8px;flex-wrap:wrap}.map-placeholder{min-height:310px;border-radius:var(--radius);background:linear-gradient(145deg,#e8f0ee,#f4efe5);border:1px solid var(--line);display:grid;place-items:center;padding:24px;text-align:center}.region-map{position:relative;width:min(480px,100%);aspect-ratio:1.45}.region-map .p{position:absolute;border:2px solid var(--navy);background:rgba(45,111,115,.18);border-radius:40% 50% 45% 55%;display:grid;place-items:center;font-size:.75rem;font-weight:800;color:var(--navy)}.p.st{width:38%;height:34%;right:10%;top:43%}.p.ta{width:28%;height:38%;left:35%;top:8%}.p.li{width:33%;height:28%;left:14%;bottom:8%}.p.wa{width:27%;height:32%;right:7%;top:7%}.calc{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:24px}.form-card label{display:block;font-weight:750;font-size:.86rem;margin:12px 0 5px}.form-card input,.form-card select{width:100%;padding:11px 12px;border:1px solid #b9c4ca;border-radius:10px;font:inherit;background:#fff}.input-meta{font-size:.72rem;color:var(--muted);margin-top:3px}.result-hero{background:var(--navy);color:#fff;border-radius:var(--radius);padding:24px}.result-hero .metric{color:#fff;font-size:2.7rem}.cost-row{display:grid;grid-template-columns:1fr auto;gap:12px;padding:8px 0;border-bottom:1px solid var(--line)}.compare-controls{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:20px}.compare-controls label{border:1px solid var(--line);padding:8px 12px;border-radius:999px}.footer{background:#10283b;color:#dce7ec;padding:52px 0 28px}.footer a{color:#dce7ec}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}.footer .brand{color:#fff}.footer small{color:#afc1ca}.pending{border:1px dashed #b78a45;background:#fff8ea;padding:18px;border-radius:14px}.sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}.focusable:focus,a:focus,button:focus,input:focus,select:focus,summary:focus{outline:3px solid #e0a93d;outline-offset:3px}.notice{background:#f4f7f8;border:1px solid var(--line);padding:14px 16px;border-radius:12px}.print-only{display:none}
@media(max-width:920px){.nav-links{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:18px 24px;flex-direction:column;align-items:flex-start}.nav-links.open{display:flex}.menu-btn{display:block}.section-head{grid-template-columns:1fr}.grid.four{grid-template-columns:repeat(2,1fr)}.grid.three{grid-template-columns:1fr 1fr}.calc{grid-template-columns:1fr}.ladder{grid-template-columns:repeat(3,1fr)}.stat-strip{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.range-row{grid-template-columns:145px 1fr 100px}}
@media(max-width:620px){.container,.narrow{width:min(100% - 28px,var(--max))}.hero{padding:62px 0 54px}.section{padding:56px 0}.grid.two,.grid.three,.grid.four{grid-template-columns:1fr}.ladder{grid-template-columns:1fr 1fr}.stat-strip{grid-template-columns:1fr 1fr}.range-row{grid-template-columns:1fr}.range-text{text-align:left}.bars{gap:6px}.bar{width:75%}.footer-grid{grid-template-columns:1fr}.hide-mobile{display:none}}
@media print{.site-header,.footer,.btn,.menu-btn{display:none!important}.section,.page-hero{padding:24px 0}.card,.chart{box-shadow:none}.print-only{display:block}}


/* Phase 5A professional UI/UX refinement */
:root{--max:1160px;--reading:760px;--space-1:.5rem;--space-2:3rem;--space-3:5.5rem;--radius:16px;--shadow:0 8px 24px rgba(16,44,65,.055);--warm:#faf8f3;--focus:#d99b2b}
body{font-size:18px;line-height:1.67;background:#fff}p{max-width:72ch}.container{width:min(var(--max),calc(100% - 48px))}.narrow{width:min(var(--reading),calc(100% - 48px))}.section{padding:var(--space-3) 0}.section.compact{padding:var(--space-2) 0}.hero{min-height:72vh;display:flex;align-items:center;padding:7.5rem 0 6.5rem;background:radial-gradient(circle at 82% 18%,rgba(45,111,115,.12),transparent 26%),linear-gradient(135deg,#eef5f2 0%,#faf8f2 60%,#f1f4f6 100%)}.hero h1{font-size:clamp(3.15rem,7vw,6.25rem);max-width:1000px}.hero .lead{font-size:clamp(1.2rem,2vw,1.45rem);max-width:850px}.hero-actions{margin-top:2rem}.btn{min-height:46px;padding:11px 20px}.btn:hover{transform:translateY(-1px)}
.site-header{box-shadow:0 1px 0 rgba(16,44,65,.04)}.nav{height:76px}.nav-links{gap:18px}.nav-group{position:relative}.nav-group>button{border:0;background:transparent;font:inherit;font-size:.91rem;color:#263a48;font-weight:650;padding:10px 2px;cursor:pointer}.parish-menu{display:none;position:absolute;top:100%;left:-16px;min-width:210px;padding:10px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow)}.parish-menu.open{display:grid}.parish-menu a{padding:9px 10px;border-radius:8px}.parish-menu a:hover{background:#f3f6f5}.nav-group:focus-within .parish-menu{display:grid}
.page-hero{padding:5.5rem 0 4rem}.page-hero h1{max-width:900px}.page-hero .lead{max-width:780px}.section-head{margin-bottom:2.25rem}.card{padding:26px;box-shadow:none}.card:hover{border-color:#bdcbd0}.grid{gap:22px}.eyebrow{font-size:.72rem}.kicker{font-size:1.08rem}.metric{font-size:2.25rem}.metric-label{font-size:.86rem}.chart{padding:24px;min-height:300px}.chart-title{font-size:1.25rem}.chart-sub{font-size:.92rem;max-width:72ch}.source{font-size:.9rem}.source summary{min-height:44px;display:flex;align-items:center}.source-line{font-size:.82rem;color:var(--muted);margin-top:12px}.takeaway,.meaning{margin-top:20px;padding:20px 22px;background:#f0f6f4;border-radius:14px}.takeaway strong,.meaning strong{display:block;color:var(--navy);font-size:.76rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:5px}.not-prove{margin-top:12px;padding:16px 20px;border-left:3px solid #9aa9b0;color:#43535d;background:#f7f8f8}.badge{font-size:.65rem;padding:3px 7px}.badge.qualified{color:var(--blue);background:#f1f5f8}.badge.unresolved{color:#8a5322;background:#fbf4e9}.status-detail{font-size:.78rem;color:var(--muted)}
.orientation{padding:3.5rem 0}.path-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.path-card{display:block;text-decoration:none;color:var(--ink);padding:24px;border-top:3px solid var(--teal);background:#fff;border-radius:10px}.path-card strong{display:block;color:var(--navy);font-size:1.15rem;margin-bottom:5px}.start-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.start-card{display:block;text-decoration:none;color:var(--ink);padding:22px;border:1px solid var(--line);border-radius:14px;background:#fff}.start-card:hover{background:#f8faf9}.start-card strong{display:block;color:var(--navy);margin-bottom:4px}.parish-card p{font-size:.94rem}.trust-panel{background:#f7f5ef;border:0;border-left:4px solid var(--navy);padding:28px 30px;border-radius:0 14px 14px 0}.trust-panel h2{font-size:clamp(1.7rem,3vw,2.5rem)}
.insurance-story{display:grid;gap:12px;margin:24px 0}.insurance-step{display:grid;grid-template-columns:130px 1fr 1fr;align-items:center;gap:18px;padding:18px 20px;border:1px solid var(--line);border-radius:14px;background:#fff}.insurance-step .ins{font-weight:800;color:var(--teal)}.insurance-step .threshold,.insurance-step .listings{font-size:1.2rem;font-weight:800;color:var(--navy)}.insurance-arrow{text-align:center;color:var(--muted);font-size:1.4rem}.profile-card .profile-meta{font-size:.85rem;color:var(--muted)}.profile-card details{margin-top:14px}.profile-card summary{cursor:pointer;font-weight:700;color:var(--navy)}
.calc{grid-template-columns:minmax(0,.95fr) minmax(0,1.05fr);gap:32px}.calc-steps{display:grid;gap:14px}.calc-step{border:1px solid var(--line);border-radius:14px;background:#fff;overflow:hidden}.calc-step summary{cursor:pointer;padding:18px 20px;font-weight:800;color:var(--navy);list-style:none;display:flex;align-items:center;gap:12px}.calc-step summary::-webkit-details-marker{display:none}.step-num{display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:#e9f2ef;color:var(--teal);font-size:.8rem}.calc-step .step-body{padding:0 20px 20px}.form-card{padding:0;border:0}.form-card label{font-size:.9rem;margin-top:15px}.form-card input,.form-card select{min-height:48px}.result-hero{position:sticky;top:96px}.calc-note{font-size:.86rem;color:#dbe6ea;margin-top:12px}.cost-row{font-size:.9rem}.calc .badge{display:none}.calc .cost-row:hover .badge{display:inline-flex}.monthly-anatomy{display:grid;gap:10px}.anatomy-row{display:grid;grid-template-columns:170px 1fr auto;gap:12px;align-items:center}.anatomy-bar{height:14px;background:#e8edef;border-radius:999px;overflow:hidden}.anatomy-bar span{display:block;height:100%;background:var(--teal)}
.ladder.interactive .step{cursor:pointer;border:1px solid transparent;min-height:92px;display:flex;flex-direction:column;justify-content:center}.ladder.interactive .step:hover,.ladder.interactive .step:focus{border-color:var(--teal);outline:none}.ladder-detail{margin-top:18px;padding:24px;border:1px solid var(--line);border-radius:14px;background:#fff}.system-web{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;max-width:760px;margin:28px auto}.system-web a{padding:20px;text-align:center;background:#f0f5f3;border-radius:12px;font-weight:750;color:var(--navy);text-decoration:none;border:1px solid transparent;transition:border-color .15s ease,transform .15s ease}.system-web a:hover{border-color:var(--teal);transform:translateY(-1px)}.system-web .core{background:var(--navy);color:#fff;grid-column:2}.inpage{position:sticky;top:76px;z-index:20;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);padding:10px 0}.inpage .container{display:flex;gap:16px;overflow:auto;white-space:nowrap}.inpage a{font-size:.82rem;text-decoration:none;font-weight:700;color:var(--muted)}
.footer{padding:60px 0 34px}.footer-grid{grid-template-columns:2fr 1fr 1fr 1fr}.footer p{font-size:.9rem}.footer strong{color:#fff}.footer .mission{max-width:420px;color:#c6d4db}.micro-source{font-size:.78rem;color:var(--muted)}
@media(max-width:1000px){body{font-size:17px}.path-grid{grid-template-columns:repeat(2,1fr)}.start-grid{grid-template-columns:repeat(2,1fr)}.nav-links{gap:12px}.nav-links a,.nav-group>button{font-size:.84rem}.footer-grid{grid-template-columns:1.6fr 1fr 1fr}}
@media(max-width:920px){.nav-links.open{display:flex;gap:6px}.nav-group{width:100%}.nav-group>button{width:100%;text-align:left;padding:8px 0}.parish-menu,.parish-menu.open{position:static;box-shadow:none;border:0;border-left:2px solid var(--line);border-radius:0;margin-left:8px;padding:4px 10px}.hero{min-height:auto;padding:5.25rem 0 4.5rem}.section{padding:4rem 0}.calc{grid-template-columns:1fr}.result-hero{position:static}.insurance-step{grid-template-columns:1fr 1fr}.insurance-step .ins{grid-column:1/-1}.ladder.interactive{grid-template-columns:1fr}.ladder.interactive .step{text-align:left;min-height:auto}.system-web{grid-template-columns:1fr 1fr}.system-web .core{grid-column:1/-1}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){body{font-size:17px}.container,.narrow{width:min(100% - 30px,var(--max))}.hero h1{font-size:clamp(2.65rem,13vw,4rem)}.page-hero h1{font-size:clamp(2.3rem,11vw,3.5rem)}.path-grid,.start-grid,.footer-grid{grid-template-columns:1fr}.section{padding:3.5rem 0}.grid.two,.grid.three,.grid.four{grid-template-columns:1fr}.insurance-step{grid-template-columns:1fr}.hero-actions .btn{width:100%}.chart{padding:18px}.range-row{grid-template-columns:1fr}.range-text{text-align:left}.bars{gap:6px}.bar-label{font-size:.65rem}.anatomy-row{grid-template-columns:1fr auto}.anatomy-bar{grid-column:1/-1}.stat-strip{grid-template-columns:1fr 1fr}.footer{padding-top:44px}}

.mls-note{margin-top:12px;padding:12px 14px;border-left:3px solid var(--teal);background:#f4f8f7;color:#4a5b63;font-size:.82rem;line-height:1.5}.footer-disclaimer{margin-top:34px;padding-top:24px;border-top:1px solid rgba(255,255,255,.16);color:#c6d4db;font-size:.78rem;line-height:1.55;max-width:1160px}.footer-disclaimer strong{color:#fff}.data-use{background:#f7f5ef;border-left:4px solid var(--teal);padding:22px 24px;border-radius:0 12px 12px 0}.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}@media(max-width:430px){.insurance-step{padding:15px}.metric{font-size:2rem}.footer-disclaimer{font-size:.76rem}.table-wrap table{min-width:620px}}@media print{details{display:block!important}details>*{display:block!important}.mls-note,.data-use{break-inside:avoid}.footer-disclaimer{color:#333;border-top:1px solid #aaa}.footer-disclaimer strong{color:#111}}.topic-title-link{color:inherit;text-decoration:none}.topic-title-link::after{content:" →";color:var(--teal);font-size:.85em}.topic-title-link:hover{color:var(--teal)}.related-evidence{border-top:1px solid var(--line);background:#f7f9f8}.question-card,.related-card{display:flex;flex-direction:column;justify-content:space-between;gap:16px;min-height:130px;padding:22px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;color:var(--navy);text-decoration:none;transition:border-color .15s ease,transform .15s ease}.question-card strong,.related-card strong{font-size:1.08rem}.question-card span,.related-card span{color:var(--teal);font-size:.84rem;font-weight:750}.question-card:hover,.related-card:hover{border-color:var(--teal);transform:translateY(-1px)}