*,::after,::before{box-sizing:border-box}:root{--sgb-ink:#071C40;--sgb-teal:#0A286E;--sgb-teal-dark:#071E54;--sgb-gold:#DEA137;--sgb-gold-soft:#FDF6EB;--sgb-green:#2E7D5B;--sgb-red:#B3452C;--sgb-mist:#F0F4F8;--sgb-white:#FFFFFF;--sgb-slate:#4A5A73;--sgb-line:#D1D9E6;--sgb-radius:12px}body{font-family:'Public Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;color:var(--sgb-ink);font-size:18px;line-height:1.6;background-color:var(--sgb-white);margin:0;padding:20px}h1,h2,h3,h4{color:var(--sgb-ink);margin-top:1.5em;margin-bottom:.5em}h1{font-size:32px;line-height:1.2}h2{font-family:'Source Serif 4',Georgia,serif;font-weight:700;font-size:28px;margin-top:0}h3{font-size:24px}.page-container{max-width:800px;margin:0 auto}.site-header{text-align:center;padding:32px 0 16px}.site-logo{max-height:80px;max-width:100%;height:auto;width:auto}.quick-answer{background-color:var(--sgb-mist);padding:24px;border-left:6px solid var(--sgb-teal);border-radius:0 8px 8px 0;margin-bottom:24px}.quick-answer p{margin:0;font-weight:600}.explainer p,.intro-paragraph{color:var(--sgb-slate);margin-bottom:24px}.calculator-card{background-color:var(--sgb-mist);border:1px solid var(--sgb-line);border-radius:var(--sgb-radius);padding:32px;margin:40px 0}.eyebrow{display:inline-block;background-color:rgba(10,40,110,.12);color:var(--sgb-teal);text-transform:uppercase;font-size:14px;font-weight:700;padding:6px 14px;border-radius:999px;margin-bottom:16px;letter-spacing:.5px}.input-group{display:flex;flex-direction:column;margin-bottom:24px}.input-group label{font-weight:600;margin-bottom:8px;color:var(--sgb-ink)}input[type=date]{font-family:inherit;font-size:18px;padding:12px 16px;height:52px;border:1px solid var(--sgb-line);border-radius:8px;box-sizing:border-box;color:var(--sgb-ink);background-color:var(--sgb-white)}button:focus,input[type=date]:focus,summary:focus{outline:3px solid var(--sgb-teal);outline-offset:2px}button{font-family:inherit;font-size:18px;font-weight:700;color:var(--sgb-white);background-color:var(--sgb-teal);border:none;border-radius:8px;height:52px;padding:0 24px;cursor:pointer;width:100%;transition:background-color .2s}button:active,button:hover{background-color:var(--sgb-teal-dark)}.error-message{color:var(--sgb-red);font-size:16px;margin-top:8px;display:none;font-weight:600}.error-message.visible{display:block}.result-panel{background-color:var(--sgb-gold-soft);border:2px solid var(--sgb-gold);border-radius:var(--sgb-radius);padding:32px 24px;margin-top:32px;text-align:center}.result-panel h3{margin-top:0;font-size:20px;color:var(--sgb-ink);font-weight:600}.fra-headline{margin:16px 0}.large-number{font-family:'Source Serif 4',Georgia,serif;font-size:48px;font-weight:700;color:var(--sgb-ink);line-height:1.1}.fra-date-desc{font-size:22px;margin-bottom:32px;color:var(--sgb-ink)}.milestones-row{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;background-color:var(--sgb-white);border-radius:8px;padding:16px;border:1px solid var(--sgb-line)}.milestone{padding:16px 8px;text-align:center;border-right:1px solid var(--sgb-line)}.milestone:last-child{border-right:none}.milestone h4{margin:0 0 8px 0;font-size:16px;color:var(--sgb-slate);text-transform:uppercase;letter-spacing:.5px}.milestone-age{display:block;font-weight:700;color:var(--sgb-ink);margin-bottom:4px;font-size:20px}.milestone-date{display:block;font-size:16px;color:var(--sgb-slate)}.milestone.primary{background-color:var(--sgb-mist);border-radius:8px;border:2px solid var(--sgb-teal)}.milestone.primary h4{color:var(--sgb-teal);font-weight:700}.reference-section{margin-bottom:40px}.table-responsive{width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch;margin-top:16px}.reference-chart{width:100%;border-collapse:collapse;background-color:var(--sgb-white);border:1px solid var(--sgb-line);border-radius:8px}.reference-chart td,.reference-chart th{padding:16px;text-align:left;border-bottom:1px solid var(--sgb-line)}.reference-chart th{background-color:var(--sgb-mist);font-weight:700;color:var(--sgb-ink)}.faq-section{margin-bottom:48px}details{margin-bottom:16px;padding-bottom:16px;border-bottom:1px solid var(--sgb-line)}summary{font-weight:700;cursor:pointer;font-size:20px;color:var(--sgb-ink);padding:8px 0}details p{color:var(--sgb-slate);margin-top:12px;padding-left:24px}.disclaimer{font-size:14px;color:var(--sgb-slate);margin-top:48px;border-top:1px solid var(--sgb-line);padding-top:24px;line-height:1.5}@media (max-width:900px){.milestones-row{gap:8px;padding:12px}.milestone{padding:12px 4px}}@media (max-width:600px){body:not(.home-page){padding:0;overflow-x:hidden}.calculator-card{padding:20px 16px;margin:20px 0;border-radius:8px}input[type=date],input[type=number]{font-size:16px;height:48px;padding:10px 14px;min-width:0;width:100%}.sgb-btn,button{height:52px;font-size:17px}.result-panel{padding:20px 16px}.large-number{font-size:38px}.fra-date-desc{font-size:17px;margin-bottom:20px}.milestones-row{grid-template-columns:1fr;gap:0}.milestone{border-right:none;border-bottom:1px solid var(--sgb-line);padding:16px 8px}.milestone:last-child{border-bottom:none}.milestone.primary{margin:0}summary{font-size:17px;line-height:1.4}.quick-answer{padding:16px;font-size:16px}.comparison-table{overflow-x:auto;-webkit-overflow-scrolling:touch}.comparison-table table{min-width:420px}.tool-hero{padding:24px 16px}.tool-hero h1{font-size:24px;margin:8px 0 6px}.tool-hero-sub{font-size:15px}.breadcrumb{font-size:13px}.static-page-body{padding:20px 16px 40px}}@media (max-width:480px){.tool-hero h1{font-size:22px}.milestones-row{padding:8px}.milestone{padding:14px 6px}}.site-header-nav{background-color:var(--sgb-white);border-bottom:1px solid var(--sgb-line);position:sticky;top:0;z-index:100}.nav-container{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;padding:12px 20px}.logo-link{display:flex;align-items:center}.sgb-logo{max-height:48px;width:auto}.mobile-menu-btn{display:none;background:0 0;border:none;color:var(--sgb-ink);padding:8px;cursor:pointer;width:auto;height:auto}.mobile-menu-btn:focus{outline:3px solid var(--sgb-teal);outline-offset:2px}.nav-list{display:flex;list-style:none;margin:0;padding:0;align-items:center;gap:4px;flex-wrap:wrap;justify-content:flex-end}.nav-list li{position:relative;z-index:1}.has-dropdown.open{z-index:200}.dropdown-toggle,.nav-list a{font-family:inherit;font-size:15px;font-weight:600;color:var(--sgb-ink);text-decoration:none;background:0 0;border:none;padding:9px 11px;border-radius:6px;cursor:pointer;display:flex;align-items:center;gap:4px;width:auto;height:auto;white-space:nowrap}.dropdown-toggle:active,.dropdown-toggle:hover,.nav-list a:active,.nav-list a:hover{color:var(--sgb-teal);background:var(--sgb-mist)}.dropdown-toggle::after{content:"";width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);margin-top:-3px;opacity:.55;transition:transform .15s ease}.has-dropdown.open .dropdown-toggle::after{transform:rotate(-135deg);margin-top:3px}.dropdown-menu{display:none;position:absolute;top:100%;left:0;background-color:var(--sgb-white);border:1px solid var(--sgb-line);border-radius:8px;list-style:none;padding:8px 0;margin:4px 0 0;min-width:220px;box-shadow:0 8px 24px rgba(7,28,64,.14)}.has-dropdown.open .dropdown-menu{display:block;animation:fadeIn .2s ease}@keyframes fadeIn{from{opacity:0;transform:translateY(-4px)}to{opacity:1;transform:translateY(0)}}.dropdown-menu a{padding:10px 16px;font-weight:400;border-radius:0;white-space:normal}.dropdown-menu a:hover{background:var(--sgb-mist)}.dropdown-menu-2col{column-count:2;column-gap:0;width:460px;min-width:460px;left:auto;right:0}.dropdown-menu-2col li{break-inside:avoid}.dropdown-menu-2col.dropdown-menu-left{left:0;right:auto}.ad-slot{margin:24px auto;text-align:center;max-width:100%;overflow:hidden}.ad-slot::before{content:"Advertisement";display:block;font-size:11px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;color:var(--sgb-slate);opacity:.55;margin-bottom:8px}.ad-slot-footer_banner,.ad-slot-top_banner{padding:4px 20px}.ad-slot-sidebar{padding:0}.site-footer{background-color:var(--sgb-mist);border-top:1px solid var(--sgb-line);padding:40px 20px;margin-top:64px;text-align:center}.footer-links{display:flex;justify-content:center;gap:24px;margin-bottom:16px;flex-wrap:wrap}.footer-links a{color:var(--sgb-teal);text-decoration:none;font-weight:600}.footer-links a:hover{text-decoration:underline}.copyright{color:var(--sgb-slate);font-size:14px;margin-bottom:16px}input[type=number]{font-family:inherit;font-size:18px;padding:12px 16px;height:52px;border:1px solid var(--sgb-line);border-radius:8px;box-sizing:border-box;color:var(--sgb-ink);background-color:var(--sgb-white);width:100%}input[type=number]:focus{outline:3px solid var(--sgb-teal);outline-offset:2px}@media (max-width:1024px){.sgb-logo{max-height:38px}.mobile-menu-btn{display:flex;align-items:center;justify-content:center;min-width:44px;min-height:44px}.main-nav{display:none;position:absolute;top:100%;left:0;right:0;background-color:var(--sgb-white);border-bottom:1px solid var(--sgb-line);box-shadow:0 8px 24px rgba(0,0,0,.12);z-index:200}.main-nav.open{display:block}.nav-list{flex-direction:column;align-items:stretch;gap:0}.nav-list li{border-bottom:1px solid var(--sgb-mist)}.nav-list li:last-child{border-bottom:none}.dropdown-toggle,.nav-list a{padding:16px 20px;width:100%;text-align:left;min-height:52px;display:flex;align-items:center}.dropdown-toggle::after{display:none}.dropdown-menu-2col{column-count:1;width:100%;min-width:0}.dropdown-menu{position:static;box-shadow:none;border:none;border-radius:0;background-color:var(--sgb-mist);border-top:1px solid var(--sgb-line);padding:0}.has-dropdown.open .dropdown-menu{display:block}.dropdown-menu a{padding-left:36px}}body:not(.home-page){padding:0}.field-hint{display:block;font-size:13px;font-weight:400;color:var(--sgb-slate);margin-top:4px;line-height:1.5}.tool-hero{background:linear-gradient(135deg,var(--sgb-ink) 0,#0a286e 100%);padding:40px 20px;border-bottom:3px solid var(--sgb-gold)}.tool-hero-inner{max-width:1100px;margin:0 auto}.tool-hero h1{color:var(--sgb-white);font-family:'Source Serif 4',Georgia,serif;font-size:36px;margin:12px 0 8px;line-height:1.2}.tool-hero-sub{color:rgba(255,255,255,.75);font-size:18px;margin:0;max-width:680px;line-height:1.5}.breadcrumb{display:flex;align-items:center;gap:6px;flex-wrap:wrap;font-size:14px;margin-bottom:0}.breadcrumb a{color:rgba(255,255,255,.65);text-decoration:none;font-weight:600}.breadcrumb a:hover{color:var(--sgb-gold);text-decoration:underline}.breadcrumb-sep{color:rgba(255,255,255,.4);font-size:16px}.breadcrumb-current{color:var(--sgb-gold);font-weight:600}.tool-page-body{max-width:1100px;margin:0 auto;padding:40px 20px 64px;display:grid;grid-template-columns:1fr 300px;gap:40px;align-items:start}.tool-main-col{min-width:0}.tool-main-col .quick-answer{margin-top:0}.tool-main-col h1{display:none}.tool-sidebar{display:flex;flex-direction:column;gap:16px;position:sticky;top:80px}.sidebar-card{background:var(--sgb-white);border:1px solid var(--sgb-line);border-radius:var(--sgb-radius);padding:20px}.sidebar-card h4{font-size:16px;font-weight:700;color:var(--sgb-ink);margin:0 0 12px;text-transform:uppercase;letter-spacing:.5px}.sidebar-links{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:4px}.sidebar-links a{display:block;color:var(--sgb-teal);text-decoration:none;font-size:15px;font-weight:600;padding:8px 10px;border-radius:6px;transition:background-color .15s}.sidebar-links a:hover{background-color:var(--sgb-mist)}.sidebar-trust{background:var(--sgb-mist);border-color:var(--sgb-line)}.sidebar-trust-item{display:flex;align-items:center;gap:10px;font-size:14px;font-weight:600;color:var(--sgb-ink);padding:6px 0}.sidebar-next{background:var(--sgb-gold-soft);border-color:var(--sgb-gold)}.sidebar-next-label{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:var(--sgb-slate);margin:0 0 6px}.sidebar-next p{font-size:15px;color:var(--sgb-ink);margin:0;line-height:1.4}.sidebar-next .hero-btn-primary{font-size:16px;padding:12px 20px}@media (max-width:1024px){.tool-page-body{grid-template-columns:1fr;padding:24px 20px 48px}.tool-sidebar{position:static}.tool-hero h1{font-size:28px}.tool-hero-sub{font-size:16px}}@media (max-width:600px){.tool-page-body{padding:16px 16px 40px}}.home-page{padding:0}.nav-active{color:var(--sgb-teal)!important}.hero{background:linear-gradient(145deg,var(--sgb-ink) 0,#0a286e 50%,#112f6d 100%);padding:80px 20px 72px;text-align:center;position:relative;overflow:hidden}.hero::before{content:'';position:absolute;top:-120px;right:-120px;width:400px;height:400px;border-radius:50%;background:rgba(222,161,55,.06);pointer-events:none}.hero::after{content:'';position:absolute;bottom:-80px;left:-80px;width:300px;height:300px;border-radius:50%;background:rgba(222,161,55,.04);pointer-events:none}.hero-inner{max-width:780px;margin:0 auto;position:relative;z-index:1}.hero-eyebrow{display:inline-block;background:rgba(222,161,55,.18);color:var(--sgb-gold);font-size:14px;font-weight:700;letter-spacing:.8px;text-transform:uppercase;padding:8px 20px;border-radius:999px;margin-bottom:24px}.hero h1{font-family:'Source Serif 4',Georgia,serif;font-size:52px;font-weight:700;color:var(--sgb-white);line-height:1.15;margin:0 0 20px}.hero-gold{color:var(--sgb-gold)}.hero-sub{font-size:20px;color:rgba(255,255,255,.8);line-height:1.6;margin:0 0 36px;max-width:620px;margin-left:auto;margin-right:auto}.hero-cta-row{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}.hero-btn-primary{display:inline-block;background-color:var(--sgb-gold);color:var(--sgb-ink);font-family:inherit;font-size:18px;font-weight:700;padding:16px 32px;border-radius:8px;text-decoration:none;transition:background-color .2s,transform .15s;min-height:52px}.hero-btn-primary:hover{background-color:#c88e2b;transform:translateY(-1px)}.hero-btn-secondary{display:inline-block;background:0 0;color:var(--sgb-white);font-family:inherit;font-size:18px;font-weight:700;padding:16px 32px;border-radius:8px;text-decoration:none;border:2px solid rgba(255,255,255,.3);transition:border-color .2s,background-color .2s;min-height:52px}.hero-btn-secondary:hover{border-color:var(--sgb-white);background:rgba(255,255,255,.08)}.trust-bar{background:var(--sgb-white);border-bottom:1px solid var(--sgb-line);padding:20px}.trust-inner{max-width:900px;margin:0 auto;display:flex;justify-content:center;gap:40px;flex-wrap:wrap}.trust-item{display:flex;align-items:center;gap:10px;font-size:15px;font-weight:600;color:var(--sgb-ink);white-space:nowrap}.section-wrap{padding:64px 20px}.section-alt{background-color:var(--sgb-mist)}.section-inner{max-width:1100px;margin:0 auto}.section-inner>.eyebrow{display:inline-block;margin-bottom:8px}.section-inner>h2{margin-top:0;margin-bottom:40px}.popular-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.pop-card{background:var(--sgb-white);border:1px solid var(--sgb-line);border-radius:var(--sgb-radius);padding:28px 24px;text-decoration:none;color:var(--sgb-ink);display:flex;flex-direction:column;transition:box-shadow .2s,transform .15s}.pop-card:hover{box-shadow:0 8px 24px rgba(7,28,64,.1);transform:translateY(-3px)}.pop-icon{width:48px;height:48px;border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:16px}.pop-icon-ss{background:rgba(10,40,110,.1);color:var(--sgb-teal)}.pop-icon-med{background:rgba(46,125,91,.1);color:var(--sgb-green)}.pop-card h3{font-size:18px;margin:0 0 8px;line-height:1.3}.pop-card p{font-size:15px;color:var(--sgb-slate);margin:0 0 16px;flex:1;line-height:1.5}.pop-cta{font-size:15px;font-weight:700;color:var(--sgb-teal)}.pop-card:hover .pop-cta{text-decoration:underline}.cat-block{margin-bottom:40px}.cat-header{display:flex;align-items:center;gap:14px;margin-bottom:16px}.cat-icon{width:40px;height:40px;border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0}.cat-icon-ss{background:rgba(10,40,110,.1);color:var(--sgb-teal)}.cat-icon-med{background:rgba(46,125,91,.1);color:var(--sgb-green)}.cat-icon-caid{background:rgba(179,69,44,.1);color:var(--sgb-red)}.cat-icon-food{background:rgba(222,161,55,.12);color:#b8860b}.cat-icon-house{background:rgba(10,40,110,.1);color:var(--sgb-teal)}.cat-icon-util{background:rgba(222,161,55,.12);color:#b8860b}.cat-icon-vet{background:rgba(46,125,91,.1);color:var(--sgb-green)}.cat-icon-tax{background:rgba(10,40,110,.1);color:var(--sgb-teal)}.cat-icon-bonus{background:rgba(222,161,55,.12);color:#b8860b}.cat-header h3{font-size:22px;margin:0}.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.tool-card{display:flex;align-items:center;gap:12px;background:var(--sgb-white);border:1px solid var(--sgb-line);border-radius:8px;padding:16px 18px;text-decoration:none;color:var(--sgb-ink);transition:border-color .15s,box-shadow .15s;min-height:52px}.tool-card:hover{border-color:var(--sgb-teal);box-shadow:0 2px 8px rgba(10,40,110,.08)}.tool-num{display:flex;align-items:center;justify-content:center;width:28px;height:28px;border-radius:50%;background:var(--sgb-mist);color:var(--sgb-teal);font-size:13px;font-weight:700;flex-shrink:0}.section-alt .tool-card{background:var(--sgb-white)}.tool-name{flex:1;font-size:15px;font-weight:600;line-height:1.3}.tool-arrow{color:var(--sgb-slate);font-size:16px;flex-shrink:0;transition:color .15s,transform .15s}.tool-card:hover .tool-arrow{color:var(--sgb-teal);transform:translateX(3px)}.steps-row{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.step-card{text-align:center;padding:32px 24px;background:var(--sgb-mist);border-radius:var(--sgb-radius)}.step-num{display:inline-flex;align-items:center;justify-content:center;width:48px;height:48px;border-radius:50%;background:var(--sgb-teal);color:var(--sgb-white);font-family:'Source Serif 4',Georgia,serif;font-size:22px;font-weight:700;margin-bottom:16px}.step-card h4{margin:0 0 8px;font-size:20px}.step-card p{color:var(--sgb-slate);font-size:16px;margin:0;line-height:1.5}.about-block{display:grid;grid-template-columns:280px 1fr;gap:48px;align-items:start}.about-photo-col{display:flex;flex-direction:column;gap:16px}.about-photo{width:100%;border-radius:var(--sgb-radius);border:3px solid var(--sgb-line)}.about-license{width:100%;border-radius:8px;border:1px solid var(--sgb-line);opacity:.9}.about-text-col .eyebrow{margin-bottom:8px}.about-text-col h2{margin-top:8px;margin-bottom:4px}.about-role{color:var(--sgb-teal);font-weight:600;font-size:16px;margin-bottom:16px}.about-text-col p{color:var(--sgb-slate);line-height:1.6;margin-bottom:16px}.about-badges{display:flex;flex-direction:column;gap:10px;margin:20px 0}.about-badge{display:flex;align-items:center;gap:10px;font-weight:600;font-size:15px;color:var(--sgb-ink)}.about-link{display:inline-block;color:var(--sgb-teal);font-weight:700;text-decoration:none;font-size:16px}.about-link:hover{text-decoration:underline}.cta-banner{background:linear-gradient(135deg,var(--sgb-ink) 0,#0a286e 100%);padding:56px 20px;text-align:center}.cta-banner h2{font-family:'Source Serif 4',Georgia,serif;color:var(--sgb-white);font-size:32px;margin:0 0 12px}.cta-banner p{color:rgba(255,255,255,.75);font-size:18px;margin:0 0 28px}.footer-inner{max-width:800px;margin:0 auto}.footer-brand{margin-bottom:24px}.footer-logo{max-height:40px;width:auto;margin-bottom:8px}.footer-brand p{color:var(--sgb-slate);font-size:14px;margin:0}@media (max-width:1024px){.popular-grid{grid-template-columns:repeat(2,1fr)}.tool-grid{grid-template-columns:repeat(2,1fr)}}@media (max-width:768px){.hero{padding:56px 20px 48px}.hero h1{font-size:36px}.hero-sub{font-size:17px}.trust-inner{gap:20px}.trust-item{font-size:13px}.section-wrap{padding:48px 20px}.steps-row{grid-template-columns:1fr;gap:16px}.about-block{grid-template-columns:1fr;gap:32px}.about-photo-col{flex-direction:row;gap:16px}.about-photo{max-width:180px}.about-license{max-width:180px}}@media (max-width:480px){.hero h1{font-size:28px}.hero-eyebrow{font-size:12px;padding:6px 14px}.hero-sub{font-size:16px}.hero-cta-row{flex-direction:column;align-items:stretch}.hero-btn-primary,.hero-btn-secondary{text-align:center;width:100%}.popular-grid{grid-template-columns:1fr}.tool-grid{grid-template-columns:1fr}.trust-inner{flex-direction:column;gap:12px;align-items:center}.about-photo-col{flex-direction:column;align-items:center}.about-license,.about-photo{max-width:220px}.cta-banner h2{font-size:24px}.cta-banner p{font-size:16px}}.static-page-body{max-width:1100px;margin:0 auto;padding:48px 20px 72px;display:grid;grid-template-columns:1fr 280px;gap:40px;align-items:start}.static-page-inner{min-width:0}.static-page-inner h2{font-family:'Source Serif 4',Georgia,serif;font-size:26px;color:var(--sgb-ink);margin:40px 0 12px;padding-top:8px;border-top:2px solid var(--sgb-gold);display:inline-block}.static-page-inner h2:first-child{margin-top:0}.static-page-inner h3{font-size:19px;color:var(--sgb-ink);margin:24px 0 8px}.static-page-inner p{color:var(--sgb-slate);line-height:1.75;margin-bottom:16px}.static-page-inner ul{color:var(--sgb-slate);line-height:1.75;padding-left:22px;margin-bottom:16px}.static-page-inner ul li{margin-bottom:6px}.static-page-inner a{color:var(--sgb-teal);font-weight:600;text-decoration:none}.static-page-inner a:hover{text-decoration:underline}.static-sidebar{display:flex;flex-direction:column;gap:16px;position:sticky;top:80px}.static-two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:24px 0 32px}.static-col-card{background:var(--sgb-mist);border:1px solid var(--sgb-line);border-radius:var(--sgb-radius);padding:20px}.static-col-card h3{font-size:16px;color:var(--sgb-ink);margin:0 0 8px;font-weight:700}.static-col-card p,.static-col-card ul{font-size:15px;margin:0}.static-col-card ul{padding-left:18px}.source-cards{display:flex;flex-direction:column;gap:20px;margin:24px 0 40px}.source-card{display:flex;gap:20px;background:var(--sgb-white);border:1px solid var(--sgb-line);border-radius:var(--sgb-radius);padding:24px;transition:box-shadow .2s}.source-card:hover{box-shadow:0 4px 16px rgba(7,28,64,.08)}.source-icon{flex-shrink:0;width:52px;height:52px;border-radius:12px;display:flex;align-items:center;justify-content:center}.source-icon-ssa{background:rgba(10,40,110,.1);color:var(--sgb-teal)}.source-icon-cms{background:rgba(222,161,55,.12);color:#b8860b}.source-icon-irs{background:rgba(10,40,110,.1);color:var(--sgb-teal)}.source-icon-usda{background:rgba(46,125,91,.1);color:var(--sgb-green)}.source-icon-va{background:rgba(46,125,91,.1);color:var(--sgb-green)}.source-icon-fr{background:rgba(222,161,55,.12);color:#b8860b}.source-content h3{font-size:18px;color:var(--sgb-ink);margin:0 0 6px}.source-content p{font-size:15px;margin:0 0 10px}.source-content ul{font-size:14px;padding-left:18px;margin:0}.source-content ul li{margin-bottom:4px}.source-content a{color:var(--sgb-teal);font-weight:600;text-decoration:none}.source-content a:hover{text-decoration:underline}.footer-inner{max-width:1100px;margin:0 auto;padding:0 20px;text-align:center}.footer-brand{margin-bottom:16px}.footer-brand p{font-size:14px;color:rgba(255,255,255,.55);margin:6px 0 0}.footer-logo{height:36px;width:auto;display:inline-block}@media (max-width:900px){.static-page-body{grid-template-columns:1fr;padding:28px 20px 48px}.static-sidebar{position:static}.static-two-col{grid-template-columns:1fr}.source-card{flex-direction:column;gap:12px}}.eligibility-checklist{list-style:none;padding:0;margin:24px 0 0 0}.eligibility-checklist li{background-color:var(--sgb-white);border:1px solid var(--sgb-line);border-radius:8px;padding:16px;margin-bottom:12px;display:flex;align-items:flex-start;gap:12px}.checklist-icon{flex-shrink:0;width:24px;height:24px;margin-top:2px}.checklist-icon.pass{color:var(--sgb-green)}.checklist-icon.fail{color:var(--sgb-red)}.checklist-icon.unresolved{color:var(--sgb-gold)}.checklist-content{flex-grow:1}.checklist-title{font-weight:700;color:var(--sgb-ink);margin:0 0 4px 0;font-size:16px}.checklist-desc{color:var(--sgb-slate);margin:0;font-size:14px;line-height:1.5}.compare-table-wrap{margin-top:20px;margin-bottom:8px;overflow-x:auto;-webkit-overflow-scrolling:touch}.compare-table.wide{min-width:900px}.compare-table{width:100%;border-collapse:collapse;background-color:var(--sgb-white);border:1px solid var(--sgb-line);border-radius:var(--sgb-radius)}.compare-table td,.compare-table th{padding:14px 16px;text-align:left;border-bottom:1px solid var(--sgb-line);vertical-align:top;font-size:15px;line-height:1.5}.compare-table th{background-color:var(--sgb-mist);font-weight:700;color:var(--sgb-ink)}.compare-table td:first-child{font-weight:700;color:var(--sgb-ink);width:20%}.compare-table tr:last-child td{border-bottom:none}@media (max-width:700px){.compare-table.wide{min-width:0}.compare-table-wrap{overflow-x:visible}.compare-table thead{display:none}.compare-table,.compare-table tbody,.compare-table td,.compare-table tr{display:block;width:100%}.compare-table tr{border:1px solid var(--sgb-line);border-radius:var(--sgb-radius);margin-bottom:16px;padding:12px 16px}.compare-table td{border-bottom:none;padding:8px 0;width:auto}.compare-table td:first-child{font-size:17px;border-bottom:1px solid var(--sgb-line);padding-bottom:10px;margin-bottom:4px}.compare-table td:not(:first-child)::before{content:attr(data-label);display:block;font-weight:700;color:var(--sgb-teal);font-size:12px;text-transform:uppercase;letter-spacing:.03em;margin-bottom:4px}}.yn-question{margin-bottom:22px}.yn-question-label{display:block;font-weight:600;color:var(--sgb-ink);margin-bottom:10px;font-size:16px;line-height:1.4}.yn-btn-group{display:flex;gap:12px}.yn-btn{flex:1;padding:14px;font-size:16px;font-weight:700;font-family:inherit;border:2px solid var(--sgb-line);border-radius:8px;background:var(--sgb-white);color:var(--sgb-ink);cursor:pointer;min-height:52px}.yn-btn.active{border-color:var(--sgb-teal);background:var(--sgb-teal);color:var(--sgb-white)}.yn-btn-group.stacked{flex-direction:column}.yn-btn.option-btn{text-align:left;line-height:1.4;padding:16px}.lean-bar{display:flex;width:100%;height:16px;border-radius:999px;overflow:hidden;border:1px solid var(--sgb-line);margin:20px 0 10px}.lean-bar-segment{height:100%;transition:width .3s ease}.lean-bar-segment.original{background:var(--sgb-teal)}.lean-bar-segment.advantage{background:var(--sgb-gold)}.lean-labels{display:flex;justify-content:space-between;font-size:13px;font-weight:700;color:var(--sgb-slate)}.share-tool{display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin-top:22px}.share-tool-label{color:rgba(255,255,255,.65);font-size:14px;font-weight:600}.share-icons{display:flex;gap:8px}.share-icon{display:inline-flex;align-items:center;justify-content:center;gap:6px;width:36px;height:36px;padding:0;border-radius:50%;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.28);color:var(--sgb-white);cursor:pointer;text-decoration:none;font-family:inherit;transition:background .15s,border-color .15s,transform .15s,color .15s}.share-icon:hover{background:var(--sgb-gold);border-color:var(--sgb-gold);color:var(--sgb-ink);transform:translateY(-2px)}.share-icon svg{width:16px;height:16px;flex-shrink:0}.share-icon[hidden],.share-icons[hidden]{display:none}.share-native{width:auto;border-radius:999px;padding:0 18px;font-size:14px;font-weight:700}.share-toast{font-size:13px;color:var(--sgb-gold);font-weight:700;opacity:0;transition:opacity .2s}.share-toast.visible{opacity:1}@media (max-width:600px){.share-tool{margin-top:16px}}.blog-intro{max-width:700px;color:rgba(255,255,255,.75)}.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.blog-card{display:flex;flex-direction:column;background:var(--sgb-white);border:1px solid var(--sgb-line);border-radius:var(--sgb-radius);padding:22px;text-decoration:none;color:var(--sgb-ink);transition:border-color .15s,box-shadow .15s,transform .15s}.blog-card:hover{border-color:var(--sgb-teal);box-shadow:0 4px 14px rgba(10,40,110,.1);transform:translateY(-2px)}.blog-card-tag{display:inline-block;align-self:flex-start;background:rgba(10,40,110,.1);color:var(--sgb-teal);font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.4px;padding:4px 10px;border-radius:999px;margin-bottom:12px}.blog-card h3{font-family:'Source Serif 4',Georgia,serif;font-size:19px;margin:0 0 10px;line-height:1.3;color:var(--sgb-ink)}.blog-card p{color:var(--sgb-slate);font-size:14.5px;line-height:1.6;margin:0 0 14px;flex:1}.blog-card-arrow{color:var(--sgb-teal);font-weight:700;font-size:14px}.blog-card:hover .blog-card-arrow{color:var(--sgb-gold-soft)}.blog-post-meta{display:flex;align-items:center;gap:10px;flex-wrap:wrap;color:rgba(255,255,255,.6);font-size:13px;margin:10px 0 0}.blog-post-meta .blog-card-tag{background:rgba(222,161,55,.18);color:var(--sgb-gold)}.blog-reviewer-note{display:flex;align-items:center;gap:10px;background:var(--sgb-mist);border:1px solid var(--sgb-line);border-radius:var(--sgb-radius);padding:14px 18px;font-size:14px;color:var(--sgb-slate);margin-bottom:28px}.blog-reviewer-note strong{color:var(--sgb-ink)}.blog-source-list{font-size:14px}.blog-source-list li{margin-bottom:8px}@media (max-width:900px){.blog-grid{grid-template-columns:repeat(2,1fr)}}@media (max-width:600px){.blog-grid{grid-template-columns:1fr}}