:root{--deep:#041b42;--navy:#06285f;--royal:#1167f4;--royal-2:#0b4cb8;--sky:#eaf4ff;--ice:#f4f8ff;--navy-950:var(--deep);--navy-900:var(--navy);--navy-800:#083877;--navy-700:var(--royal-2);--blue-600:var(--royal);--blue-100:var(--sky);--blue-50:var(--ice);--copper-600:var(--royal-2);--copper-500:var(--royal);--copper-400:#b8d6ff;--copper-100:#d6e5fb;--cream:var(--ice);--paper:#fff;--ink:#102033;--muted:#60708a;--line:#d6e5fb;--white:#fff;--shadow:0 20px 55px #041b4221;--shell:min(1180px, calc(100% - 40px));--radius-sm:12px;--radius-md:22px;--radius-lg:34px}*{box-sizing:border-box}html{scroll-behavior:smooth;-moz-text-size-adjust:100%;text-size-adjust:100%}body{background:var(--paper);color:var(--ink);overflow-wrap:break-word;text-rendering:optimizelegibility;margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe 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12px;display:block}.dropdown-panel a:hover{background:var(--blue-50);color:var(--navy-900)}.header-actions{align-items:center;gap:18px;min-width:max-content;display:flex}.text-link{color:var(--navy-800);font-size:.86rem;font-weight:800}.button{border:1px solid var(--royal-2);background:linear-gradient(135deg, var(--royal), var(--royal-2));min-height:50px;color:var(--white);border-radius:999px;justify-content:center;align-items:center;gap:9px;padding:.8rem 1.35rem;font-size:.91rem;font-weight:800;transition:transform .16s,background .16s,box-shadow .16s;display:inline-flex;box-shadow:0 12px 28px #1167f43d}.button:hover{background:linear-gradient(135deg, var(--royal-2), var(--navy));transform:translateY(-2px);box-shadow:0 15px 34px #1167f44d}.button-small{min-height:44px;padding-inline:1.1rem}.button-ghost{color:var(--navy-900);background:0 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h2{color:var(--navy-950);letter-spacing:-.045em;margin:0;font-family:Georgia,Times New Roman,serif;font-size:clamp(2.35rem,4.4vw,4.25rem);font-weight:500;line-height:1.06}.section-heading>p:last-child{color:var(--muted);margin:15px 0 0;font-size:1.02rem}.section-services{background:var(--paper)}.service-grid{grid-template-columns:repeat(2,1fr);gap:18px;display:grid}.service-card{border:1px solid var(--line);border-radius:var(--radius-md);background:var(--white);min-height:265px;padding:32px;transition:border .16s,box-shadow .16s,transform .16s;position:relative;overflow:hidden}.service-card:hover{box-shadow:var(--shadow);border-color:#b6c7cd;transform:translateY(-4px)}.service-card:after{content:"";border:26px solid var(--blue-50);border-radius:50%;width:140px;height:140px;position:absolute;bottom:-48px;right:-48px}.card-number{color:#a5b2b7;font-family:Georgia,Times New 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var(--line)}.process-grid li>span{background:var(--navy-800);width:38px;height:38px;color:var(--white);border-radius:50%;place-items:center;margin-bottom:25px;font-family:Georgia,Times New Roman,serif;display:grid}.process-grid h3{font-size:1.4rem}.process-grid p{color:var(--muted);font-size:.89rem}.insights-section{background:var(--paper)}.insight-grid{grid-template-columns:repeat(3,1fr);gap:18px;margin-bottom:30px;display:grid}.insight-card{border:1px solid var(--line);border-radius:var(--radius-sm);background:var(--white);min-height:250px;padding:28px}.insight-card h3{font-size:1.55rem;line-height:1.25}.insight-card>p:not(.card-kicker){color:var(--muted);margin:18px 0 28px}.read-time{color:#748188;font-size:.72rem;font-weight:700}.conversion-band{color:var(--white);background:linear-gradient(90deg,#041b42f7,#06285fed),url(/brand/mountain-lake.webp) 50%/cover;padding:52px 0}.conversion-inner{justify-content:space-between;align-items:center;gap:50px;display:flex}.conversion-inner>div:first-child{max-width:670px}.conversion-band h2{color:var(--white);font-size:clamp(2.2rem,4vw,3.5rem)}.conversion-band p:not(.eyebrow){color:#c6d6dc;margin:17px 0 0}.eyebrow-light{color:#b8d6ff}.page-hero{border-bottom:1px solid var(--line);background:radial-gradient(circle at 78% 20%, #1167f429, transparent 25%), radial-gradient(circle at 18% 80%, #0b4cb81a, transparent 22%), var(--cream);padding:clamp(52px,6vw,80px) 0}.page-hero-compact{padding-block:52px}.page-hero h1{max-width:900px;font-size:clamp(2.85rem,5.3vw,4.8rem)}.page-hero-inner .hero-intro{margin-bottom:0}.content-section{padding:clamp(52px,6vw,70px) 0}.content-section.alt{background:var(--cream)}.content-grid{grid-template-columns:repeat(2,1fr);gap:22px;display:grid}.content-grid.three{grid-template-columns:repeat(3,1fr)}.content-card,.resource-card,.tool-card,.notice-box{border:1px solid var(--line);border-radius:var(--radius-md);background:var(--white);padding:28px}.content-card h2{font-size:2rem}.content-card h3{font-size:1.45rem}.content-card p,.resource-card p,.tool-card p{color:var(--muted)}.clean-list{margin:22px 0 0;padding:0;list-style:none}.clean-list li{color:#41555e;margin:11px 0;padding-left:22px;position:relative}.clean-list li:before{content:"";background:var(--copper-500);border-radius:50%;width:7px;height:7px;position:absolute;top:.64em;left:0}.resource-grid{grid-template-columns:repeat(3,1fr);gap:18px;display:grid}.resource-grid.resource-grid-two{grid-template-columns:repeat(2,minmax(0,1fr))}.resource-grid.resource-grid-single{grid-template-columns:minmax(0,760px)}.resource-card{flex-direction:column;min-height:250px;display:flex}.resource-card h3{margin-top:16px;font-size:1.42rem}.resource-card p{flex:1}.resource-card .arrow-link{margin-top:18px}.resource-meta{flex-wrap:wrap;gap:8px;margin-top:16px;display:flex}.status-pill{background:var(--copper-100);color:var(--royal-2)}.filter-row{flex-wrap:wrap;gap:9px;margin-bottom:35px;display:flex}.filter-row span{border:1px solid var(--line);background:var(--white);color:var(--muted);border-radius:999px;padding:8px 12px;font-size:.75rem;font-weight:800}.tool-grid{grid-template-columns:repeat(2,1fr);gap:22px;display:grid}.tool-card{min-height:300px}.tool-card .tool-number{border:8px solid var(--blue-100);width:50px;height:50px;color:var(--navy-800);border-radius:50%;place-items:center;margin-bottom:22px;font-weight:900;display:grid}.tool-card h2{color:var(--navy-900);font-family:Georgia,Times New Roman,serif;font-size:2rem;line-height:1.12}.calculator-shell{grid-template-columns:minmax(0,1.15fr) minmax(330px,.85fr);align-items:start;gap:28px;display:grid}.calculator-form,.calculator-result{border:1px solid var(--line);border-radius:var(--radius-md);background:var(--white);padding:clamp(24px,4vw,42px);box-shadow:0 12px 35px #071c2b0f}.calculator-result{background:var(--navy-950);color:var(--white);position:sticky;top:110px}.form-section+.form-section{border-top:1px solid var(--line);margin-top:34px;padding-top:30px}.form-section h2{color:var(--navy-900);margin:0 0 6px;font-family:Georgia,Times New Roman,serif;font-size:1.5rem}.form-section>p{color:var(--muted);margin:0 0 20px;font-size:.86rem}.field-grid{grid-template-columns:repeat(2,1fr);gap:18px;display:grid}.field{gap:7px;display:grid}.field.full{grid-column:1/-1}.field label,.field>span{color:#2e444d;font-size:.79rem;font-weight:800}.field input,.field select{background:var(--white);width:100%;min-height:48px;color:var(--ink);border:1px solid #bfcbd0;border-radius:9px;padding:10px 12px}.field input:focus,.field select:focus{border-color:var(--blue-600);outline:3px solid #1167f429}.checkbox-field{border:1px solid var(--line);color:#344b55;border-radius:9px;align-items:flex-start;gap:10px;padding:14px;font-size:.84rem;display:flex}.checkbox-field input{width:18px;height:18px;accent-color:var(--blue-600);margin-top:2px}.result-label{color:#a9c5d0;letter-spacing:.12em;text-transform:uppercase;margin:0;font-size:.73rem;font-weight:900}.result-amount{color:var(--white);margin:10px 0 28px;font-family:Georgia,Times New Roman,serif;font-size:clamp(2.8rem,6vw,4.8rem);line-height:1}.result-amount.owed{color:#b8d6ff}.result-breakdown{margin:0}.result-breakdown div{border-top:1px solid #ffffff24;justify-content:space-between;gap:22px;padding:12px 0;display:flex}.result-breakdown dt{color:#b9ccd4;font-size:.82rem}.result-breakdown dd{margin:0;font-weight:800}.result-note{color:#bdd0d6;background:#ffffff12;border-radius:10px;margin:25px 0 0;padding:16px;font-size:.78rem}.source-links{color:var(--muted);margin-top:22px;font-size:.78rem}.source-links 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