/*
Theme Name: Utility Cost Lab
Theme URI: https://utilitycostlab.com
Author: Utility Cost Lab
Description: Complete home energy calculator theme with 12 interactive calculators, state electricity guides, SEO schema, and automatic page setup.
Version: 1.0.0
Requires at least: 6.4
Requires PHP: 7.4
License: GPL-2.0-or-later
Text Domain: utility-cost-lab
*/

:root {
  --navy: #102a43;
  --navy-deep: #071f33;
  --navy-soft: #243b53;
  --teal: #0f9d8a;
  --teal-dark: #087b6d;
  --teal-pale: #e5f6f3;
  --ink: #172b3a;
  --slate: #526777;
  --line: #dce6eb;
  --mist: #f4f8fa;
  --white: #ffffff;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--white);
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}
.admin-bar .site-header { top: 32px; }
.wp-site-blocks { padding: 0; }
.screen-reader-text { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); }
.calculator-fields { display: grid; grid-template-columns: 1fr 1fr; gap: 0 18px; }
.calculator-fields .field small { min-height: 15px; }
.ucl-mobile-menu { display: none; }
@media (max-width: 782px) {
  .admin-bar .site-header { top: 46px; }
  .desktop-nav, .nav-cta { display: none; }
  .ucl-mobile-menu { display: inline-flex; margin-left: auto; border: 1px solid var(--line); background: white; border-radius: 9px; padding: 9px 12px; }
  .calculator-fields { grid-template-columns: 1fr; }
}
a { color: inherit; text-decoration: none; }
button, input, select { font: inherit; }
.shell { width: min(1180px, calc(100% - 40px)); margin: 0 auto; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  border-bottom: 1px solid rgba(220, 230, 235, .84);
  background: rgba(255, 255, 255, .94);
  backdrop-filter: blur(16px);
}
.nav-wrap { height: 76px; display: flex; align-items: center; gap: 38px; }
.brand { display: inline-flex; align-items: center; gap: 11px; color: var(--navy); font-size: 17px; font-weight: 800; letter-spacing: -.025em; white-space: nowrap; }
.brand-mark {
  width: 36px; height: 36px; display: grid; place-items: center; border-radius: 10px;
  background: var(--navy); color: var(--white); font-weight: 900; box-shadow: inset -8px -8px 0 rgba(15, 157, 138, .25);
}
.desktop-nav { display: flex; align-items: center; gap: 26px; margin-left: auto; }
.desktop-nav li { display: contents; list-style: none; }
.desktop-nav a { color: #405768; font-size: 14px; font-weight: 600; }
.desktop-nav a:hover { color: var(--teal-dark); }
.nav-cta { padding: 11px 15px; border: 1px solid var(--line); border-radius: 10px; color: var(--navy); font-size: 13px; font-weight: 750; }
.nav-cta:hover { border-color: var(--teal); color: var(--teal-dark); }

.hero { position: relative; overflow: hidden; padding: 76px 0 72px; background: linear-gradient(180deg, #fbfdfe 0%, #f3f8fa 100%); }
.hero-grid-bg {
  position: absolute; inset: 0; opacity: .26; pointer-events: none;
  background-image: linear-gradient(#b9cbd4 1px, transparent 1px), linear-gradient(90deg, #b9cbd4 1px, transparent 1px);
  background-size: 44px 44px;
  mask-image: linear-gradient(to right, black, transparent 72%);
}
.hero-grid { position: relative; display: grid; grid-template-columns: 1.02fr .98fr; align-items: center; gap: 70px; }
.eyebrow, .section-kicker { color: var(--teal-dark); font-size: 12px; font-weight: 800; letter-spacing: .13em; text-transform: uppercase; }
.eyebrow { display: inline-flex; align-items: center; gap: 9px; padding: 8px 11px; border: 1px solid #cfe8e4; border-radius: 999px; background: rgba(255,255,255,.72); }
.eyebrow-dot { width: 7px; height: 7px; border-radius: 50%; background: var(--teal); box-shadow: 0 0 0 4px #dff5f1; }
.hero h1 { max-width: 620px; margin: 22px 0 20px; color: var(--navy); font-size: clamp(46px, 5vw, 68px); line-height: 1.04; letter-spacing: -.055em; font-weight: 800; }
.hero h1 span { color: var(--teal-dark); }
.hero-lead { max-width: 600px; margin: 0; color: var(--slate); font-size: 19px; line-height: 1.7; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }
.button { min-height: 50px; display: inline-flex; align-items: center; justify-content: center; gap: 10px; padding: 0 20px; border-radius: 11px; font-size: 14px; font-weight: 750; transition: .2s ease; }
.button:hover { transform: translateY(-2px); }
.primary { background: var(--teal); color: white; box-shadow: 0 10px 24px rgba(15,157,138,.22); }
.primary:hover { background: var(--teal-dark); }
.secondary { border: 1px solid #ccdbe2; background: white; color: var(--navy); }
.trust-row { display: flex; flex-wrap: wrap; gap: 20px; margin-top: 25px; color: #5e7281; font-size: 12px; font-weight: 650; }
.trust-row span::first-letter { color: var(--teal); }

.calculator-card { padding: 28px; border: 1px solid #d8e4e9; border-radius: 20px; background: white; box-shadow: 0 28px 64px rgba(29,55,74,.15); }
.card-heading { display: flex; justify-content: space-between; gap: 20px; align-items: flex-start; margin-bottom: 22px; }
.mini-label { color: var(--teal-dark); font-size: 10px; font-weight: 850; letter-spacing: .14em; }
.card-heading h2 { margin: 5px 0 0; color: var(--navy); font-size: 22px; letter-spacing: -.025em; }
.live-pill { display: inline-flex; align-items: center; gap: 7px; padding: 7px 10px; border-radius: 999px; background: var(--teal-pale); color: var(--teal-dark); font-size: 10px; font-weight: 750; }
.live-pill i { width: 6px; height: 6px; border-radius: 50%; background: var(--teal); }
.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field { margin-bottom: 15px; }
.field label { display: block; margin-bottom: 7px; color: #334e61; font-size: 12px; font-weight: 750; }
.field input, .field select {
  width: 100%; height: 45px; border: 1px solid #cfdae0; border-radius: 9px; background: #fbfdfe; color: var(--navy); outline: none;
}
.field input { padding: 0 62px 0 12px; }
.field select { padding: 0 12px; }
.field input:focus, .field select:focus { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(15,157,138,.12); }
.input-unit { position: relative; }
.input-unit span { position: absolute; top: 50%; right: 11px; transform: translateY(-50%); color: #718796; font-size: 11px; font-weight: 700; }
.field small { display: block; margin-top: 6px; color: #8496a2; font-size: 10px; }
.result-panel { display: flex; justify-content: space-between; align-items: center; gap: 20px; margin-top: 5px; padding: 18px; border: 1px solid #c5e9e3; border-radius: 12px; background: linear-gradient(135deg, #edf9f7, #f7fcfb); }
.result-panel span { display: block; color: #55707c; font-size: 10px; font-weight: 700; }
.result-panel strong { display: block; margin-top: 3px; color: var(--teal-dark); font-size: 30px; letter-spacing: -.04em; }
.result-side { text-align: right; }
.result-side b { display: block; margin-top: 5px; color: var(--navy); font-size: 12px; }
.formula-note { margin: 10px 0 0; color: #81939e; font-size: 9px; line-height: 1.5; text-align: center; }

.proof-strip { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: white; }
.proof-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.proof-grid div { display: flex; align-items: baseline; justify-content: center; gap: 8px; padding: 22px 12px; border-right: 1px solid var(--line); }
.proof-grid div:last-child { border-right: 0; }
.proof-grid strong { color: var(--navy); font-size: 17px; }
.proof-grid span { color: var(--slate); font-size: 11px; }

.section { padding-top: 94px; padding-bottom: 94px; }
.section-heading { display: grid; grid-template-columns: 1.2fr .8fr; align-items: end; gap: 80px; margin-bottom: 38px; }
.section-heading h2, .how-grid h2, .rates-copy h2, .editorial h2 { margin: 9px 0 0; color: var(--navy); font-size: 38px; line-height: 1.15; letter-spacing: -.04em; }
.section-heading p, .how-grid > div > p, .rates-copy p, .editorial > p { margin: 0; color: var(--slate); line-height: 1.75; font-size: 15px; }
.tool-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 17px; }
.tool-card { position: relative; min-height: 250px; padding: 24px; border: 1px solid var(--line); border-radius: 15px; background: white; transition: .22s ease; }
.tool-card:hover { transform: translateY(-4px); border-color: #a9d8d1; box-shadow: 0 18px 38px rgba(34,65,84,.09); }
.tool-top { display: flex; align-items: center; justify-content: space-between; }
.tool-icon { width: 43px; height: 43px; display: grid; place-items: center; border-radius: 11px; background: var(--teal-pale); color: var(--teal-dark); font-size: 15px; font-weight: 850; }
.tool-tag { color: #708591; font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; }
.tool-card h3 { margin: 23px 0 9px; color: var(--navy); font-size: 18px; letter-spacing: -.02em; }
.tool-card p { margin: 0; color: var(--slate); font-size: 13px; line-height: 1.65; }
.tool-link { position: absolute; bottom: 23px; color: var(--teal-dark); font-size: 12px; font-weight: 800; }
.device-tools-section { padding-top: 82px; background: var(--mist); border-top: 1px solid #e6eef1; border-bottom: 1px solid #e6eef1; }
.compact-tool-grid .tool-card { min-height: 220px; }

.how-section { padding: 88px 0; background: var(--mist); border-top: 1px solid #e6eef1; border-bottom: 1px solid #e6eef1; }
.how-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 100px; align-items: center; }
.how-grid > div > p { margin-top: 18px; }
.steps { margin: 0; padding: 0; list-style: none; }
.steps li { display: grid; grid-template-columns: 55px 1fr; gap: 20px; padding: 22px 0; border-bottom: 1px solid #d9e4e9; }
.steps li:first-child { padding-top: 0; }
.steps li:last-child { padding-bottom: 0; border: 0; }
.steps li > span { color: var(--teal); font-size: 12px; font-weight: 850; }
.steps h3 { margin: 0 0 5px; color: var(--navy); font-size: 17px; }
.steps p { margin: 0; color: var(--slate); font-size: 13px; line-height: 1.6; }

.category-heading { margin-bottom: 34px; }
.category-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 15px; }
.category-card { padding: 23px; border-radius: 14px; background: var(--navy); color: white; }
.category-card:nth-child(even) { background: #173b53; }
.category-number { color: #6fd4c6; font-size: 11px; font-weight: 800; letter-spacing: .1em; }
.category-card h3 { margin: 16px 0 19px; font-size: 18px; text-transform: capitalize; }
.category-card ul { margin: 0; padding: 0; list-style: none; }
.category-card li { display: flex; justify-content: space-between; padding: 10px 0; border-top: 1px solid rgba(255,255,255,.12); color: #d6e2e8; font-size: 12px; }
.category-card li span { color: #6fd4c6; }

.rates-section { padding: 0 0 94px; }
.rates-card { display: grid; grid-template-columns: 1fr .85fr; gap: 80px; align-items: center; padding: 58px 64px; border-radius: 22px; background: var(--navy-deep); color: white; overflow: hidden; }
.section-kicker.light { color: #78dbcd; }
.rates-copy h2 { color: white; }
.rates-copy p { max-width: 570px; margin-top: 15px; color: #bfd0d9; }
.light-button { margin-top: 25px; background: white; color: var(--navy); }
.rate-visual { padding: 12px 25px; border: 1px solid rgba(255,255,255,.13); border-radius: 15px; background: rgba(255,255,255,.06); }
.rate-row { display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 18px 0; border-bottom: 1px solid rgba(255,255,255,.11); font-size: 12px; }
.rate-row span { display: flex; align-items: center; gap: 9px; color: white; font-weight: 700; }
.rate-row strong { color: #a8bdc8; font-size: 10px; }
.state-dot { width: 8px; height: 8px; border-radius: 50%; background: #6fd4c6; }
.state-dot.tx { background: #f2c66d; }
.state-dot.fl { background: #70aef3; }
.rate-caption { padding: 15px 0 4px; color: #91a8b5; font-size: 9px; text-align: center; }

.editorial { display: grid; grid-template-columns: 56px 1fr 1fr; gap: 28px; align-items: center; padding-top: 0; padding-bottom: 92px; }
.editorial-mark { width: 52px; height: 52px; display: grid; place-items: center; border-radius: 50%; background: var(--teal-pale); color: var(--teal-dark); font-size: 22px; font-weight: 900; }
.editorial h2 { font-size: 27px; }

footer { padding-top: 62px; background: #0b2133; color: white; }
.footer-grid { display: grid; grid-template-columns: 1.7fr repeat(3, 1fr); gap: 50px; padding-bottom: 48px; }
.footer-brand { color: white; }
.footer-grid > div:first-child p { max-width: 330px; color: #9fb3c0; font-size: 13px; line-height: 1.7; }
.footer-grid > div:not(:first-child) { display: flex; flex-direction: column; gap: 12px; }
.footer-grid strong { margin-bottom: 4px; font-size: 12px; }
.footer-grid a:not(.brand) { color: #9fb3c0; font-size: 12px; }
.footer-grid a:hover { color: white; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; padding: 20px 0; border-top: 1px solid rgba(255,255,255,.1); color: #78909f; font-size: 10px; }
.footer-bottom div { display: flex; gap: 20px; }

/* Standalone calculator pages */
.calc-page-hero {
  position: relative;
  overflow: hidden;
  padding: 42px 0 54px;
  border-bottom: 1px solid var(--line);
  background: linear-gradient(180deg, #fbfdfe 0%, #f2f8fa 100%);
}
.calc-page-grid-bg {
  position: absolute;
  inset: 0;
  opacity: .18;
  pointer-events: none;
  background-image: linear-gradient(#aec2cc 1px, transparent 1px), linear-gradient(90deg, #aec2cc 1px, transparent 1px);
  background-size: 42px 42px;
  mask-image: linear-gradient(to right, black, transparent 76%);
}
.calc-page-hero .shell { position: relative; }
.breadcrumbs { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 31px; color: #718692; font-size: 11px; }
.breadcrumbs a:hover { color: var(--teal-dark); }
.breadcrumbs b { color: #526777; font-weight: 650; }
.calc-page-hero h1 { max-width: 850px; margin: 10px 0 14px; color: var(--navy); font-size: clamp(40px, 5vw, 58px); line-height: 1.08; letter-spacing: -.05em; }
.calc-page-hero > .shell > p { max-width: 740px; margin: 0; color: var(--slate); font-size: 17px; line-height: 1.7; }
.page-trust { display: flex; gap: 20px; margin-top: 19px; color: #5f7480; font-size: 11px; font-weight: 700; }

.calculator-layout { display: grid; grid-template-columns: minmax(0, 1fr) 290px; gap: 30px; padding-top: 38px; padding-bottom: 90px; align-items: start; }
.calculator-main { min-width: 0; }
.ad-placeholder { height: 74px; display: grid; place-items: center; margin-bottom: 18px; border: 1px dashed #cad7dd; border-radius: 10px; background: #fafcfd; color: #9aaab2; }
.ad-placeholder span { font-size: 8px; font-weight: 700; letter-spacing: .16em; }
.ad-placeholder.wide { margin: 20px 0 38px; }
.standalone-calculator { padding: 31px; border: 1px solid #d6e2e7; border-radius: 18px; background: white; box-shadow: 0 20px 50px rgba(37,65,82,.1); }
.standalone-heading { display: flex; justify-content: space-between; align-items: flex-start; gap: 25px; margin-bottom: 26px; }
.standalone-heading h2 { margin: 6px 0 0; color: var(--navy); font-size: 25px; letter-spacing: -.035em; }
.standalone-fields { display: grid; grid-template-columns: 1fr 1fr; gap: 0 18px; }
.standalone-fields .field small { min-height: 15px; }
.result-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 7px; }
.result-grid article { min-height: 132px; padding: 18px; border: 1px solid #dce6eb; border-radius: 12px; background: #f8fbfc; }
.result-grid article.featured-result { border-color: #b8e2db; background: linear-gradient(135deg, #eaf8f5, #f7fcfb); }
.result-grid span { display: block; min-height: 28px; color: #5d7380; font-size: 10px; font-weight: 750; line-height: 1.35; }
.result-grid strong { display: block; margin: 8px 0 6px; color: var(--navy); font-size: 24px; letter-spacing: -.04em; }
.result-grid .featured-result strong { color: var(--teal-dark); }
.result-grid small { display: block; color: #84949d; font-size: 9px; line-height: 1.45; }
.method-line { margin-top: 18px; padding: 12px 14px; border-radius: 9px; background: var(--mist); color: #617681; font-size: 11px; line-height: 1.55; }
.method-line b { color: var(--navy); }

.calculator-content { color: var(--slate); font-size: 14px; line-height: 1.8; }
.calculator-content h2 { margin: 38px 0 13px; color: var(--navy); font-size: 27px; line-height: 1.25; letter-spacing: -.035em; }
.calculator-content p { margin: 0 0 15px; }
.calculator-content ol { margin: 20px 0; padding-left: 20px; }
.calculator-content li { padding: 6px 0 6px 8px; }
.calculator-content li b { color: #334e61; }
.tip-list { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 17px; }
.tip-list > div { padding: 18px; border: 1px solid var(--line); border-radius: 12px; background: white; }
.tip-list span { width: 27px; height: 27px; display: grid; place-items: center; border-radius: 8px; background: var(--teal-pale); color: var(--teal-dark); font-size: 10px; font-weight: 800; }
.tip-list p { margin: 13px 0 0; font-size: 12px; line-height: 1.65; }
.source-box { display: grid; grid-template-columns: 38px 1fr; gap: 15px; margin: 32px 0; padding: 20px; border: 1px solid #c8e3de; border-radius: 12px; background: #f1faf8; }
.source-icon { width: 34px; height: 34px; display: grid; place-items: center; border-radius: 50%; background: var(--teal); color: white; font-family: Georgia, serif; font-weight: 800; }
.source-box b { color: var(--navy); }
.source-box p { margin: 3px 0 0; font-size: 12px; }
.faq-list { border-top: 1px solid var(--line); }
.faq-list details { border-bottom: 1px solid var(--line); }
.faq-list summary { display: flex; justify-content: space-between; gap: 20px; padding: 18px 2px; color: var(--navy); font-weight: 750; cursor: pointer; list-style: none; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary span { color: var(--teal); font-size: 18px; }
.faq-list details[open] summary span { transform: rotate(45deg); }
.faq-list details p { padding: 0 28px 18px 2px; font-size: 13px; }

.calculator-sidebar { position: sticky; top: 94px; display: flex; flex-direction: column; gap: 16px; }
.sidebar-card { padding: 21px; border: 1px solid var(--line); border-radius: 13px; background: white; }
.sidebar-card > a { display: flex; justify-content: space-between; gap: 13px; padding: 16px 0; border-bottom: 1px solid #e7eef1; color: var(--navy); font-size: 12px; }
.sidebar-card > a:last-child { padding-bottom: 0; border: 0; }
.sidebar-card > a span { color: var(--teal); }
.sidebar-card.subtle { background: var(--mist); }
.sidebar-card h3 { margin: 12px 0 8px; color: var(--navy); font-size: 17px; }
.sidebar-card p { margin: 0; color: var(--slate); font-size: 11px; line-height: 1.65; }
.sidebar-ad { height: 250px; margin: 0; }
.more-tools { padding: 74px 0 84px; border-top: 1px solid var(--line); background: var(--mist); }
.more-tools h2 { margin: 8px 0 28px; color: var(--navy); font-size: 32px; letter-spacing: -.04em; }
.mini-tool-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 15px; }
.mini-tool-grid > a { padding: 22px; border: 1px solid var(--line); border-radius: 13px; background: white; transition: .2s ease; }
.mini-tool-grid > a:hover { transform: translateY(-3px); border-color: #acd9d2; }
.mini-tool-grid > a > span { color: var(--teal-dark); font-size: 9px; font-weight: 800; letter-spacing: .1em; }
.mini-tool-grid h3 { margin: 10px 0 8px; color: var(--navy); font-size: 17px; }
.mini-tool-grid p { min-height: 58px; margin: 0 0 13px; color: var(--slate); font-size: 11px; line-height: 1.6; }
.mini-tool-grid b { color: var(--teal-dark); font-size: 11px; }

/* Trust, policy, and state-rate pages */
.info-hero, .rates-hub-hero {
  padding: 58px 0 64px;
  border-bottom: 1px solid var(--line);
  background: linear-gradient(180deg, #fbfdfe, #f2f8fa);
}
.info-hero h1, .rates-hub-hero h1, .state-hero h1 { max-width: 900px; margin: 12px 0 15px; color: var(--navy); font-size: clamp(42px, 5vw, 60px); line-height: 1.07; letter-spacing: -.05em; }
.info-hero p, .rates-hub-hero p, .state-hero p { max-width: 780px; margin: 0; color: var(--slate); font-size: 17px; line-height: 1.75; }
.info-layout { display: grid; grid-template-columns: minmax(0, 760px) 280px; justify-content: space-between; gap: 70px; padding-top: 68px; padding-bottom: 90px; }
.info-content section { margin-bottom: 44px; }
.info-content h2, .state-content h2, .hub-explainer h2 { margin: 0 0 13px; color: var(--navy); font-size: 28px; letter-spacing: -.035em; }
.info-content p, .info-content li, .state-content p, .state-content li { color: var(--slate); font-size: 14px; line-height: 1.85; }
.info-content p { margin: 0 0 12px; }
.info-content ul { margin: 16px 0 0; padding: 0; list-style: none; }
.info-content li { position: relative; padding: 6px 0 6px 26px; }
.info-content li::before { content: "✓"; position: absolute; left: 0; color: var(--teal); font-weight: 800; }
.info-sidebar { position: sticky; top: 98px; align-self: start; padding: 24px; border: 1px solid var(--line); border-radius: 14px; background: var(--mist); }
.info-sidebar h3 { margin: 13px 0 9px; color: var(--navy); font-size: 19px; }
.info-sidebar p { margin: 0 0 17px; color: var(--slate); font-size: 12px; line-height: 1.7; }
.info-sidebar a { display: block; padding: 11px 0; border-top: 1px solid #dce6eb; color: var(--teal-dark); font-size: 11px; font-weight: 750; }

.data-date { display: inline-flex; margin-top: 21px; padding: 8px 11px; border: 1px solid #cbe4df; border-radius: 999px; background: #f2faf8; color: var(--teal-dark); font-size: 10px; font-weight: 750; }
.rates-hub-content { padding-top: 42px; padding-bottom: 90px; }
.rate-summary { display: grid; grid-template-columns: 260px 1fr; align-items: center; gap: 34px; margin-bottom: 28px; padding: 24px; border: 1px solid #cae4df; border-radius: 14px; background: #f1faf8; }
.rate-summary span { display: block; color: #59717d; font-size: 10px; font-weight: 750; text-transform: uppercase; }
.rate-summary strong { display: block; margin-top: 4px; color: var(--teal-dark); font-size: 29px; letter-spacing: -.04em; }
.rate-summary p { margin: 0; color: var(--slate); font-size: 13px; line-height: 1.7; }
.state-card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.state-card { display: flex; flex-direction: column; min-height: 340px; padding: 23px; border: 1px solid var(--line); border-radius: 15px; background: white; transition: .2s ease; }
.state-card:hover { transform: translateY(-4px); border-color: #acd9d2; box-shadow: 0 17px 35px rgba(30,60,78,.08); }
.state-card > div { display: flex; justify-content: space-between; align-items: center; }
.state-card > div span { width: 36px; height: 36px; display: grid; place-items: center; border-radius: 9px; background: var(--navy); color: white; font-size: 11px; font-weight: 850; }
.state-card > div b { color: #80919b; font-size: 9px; text-transform: uppercase; }
.state-card h2 { margin: 22px 0 8px; color: var(--navy); font-size: 23px; }
.state-card > strong { color: var(--teal-dark); font-size: 26px; }
.state-card > strong small { color: #738791; font-size: 10px; font-weight: 650; }
.state-card > p { display: -webkit-box; overflow: hidden; margin: 15px 0 22px; color: var(--slate); font-size: 11px; line-height: 1.65; -webkit-box-orient: vertical; -webkit-line-clamp: 4; }
.state-card > footer { display: flex; justify-content: space-between; margin-top: auto; padding: 14px 0 0; border-top: 1px solid var(--line); background: transparent; color: var(--teal-dark); font-size: 11px; font-weight: 750; }
.hub-explainer { margin-top: 64px; }
.hub-explainer > div:not(.source-box) { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 22px; }
.hub-explainer section { padding: 20px; border: 1px solid var(--line); border-radius: 12px; }
.hub-explainer h3 { margin: 0 0 8px; color: var(--navy); font-size: 17px; }
.hub-explainer p { margin: 0; color: var(--slate); font-size: 12px; line-height: 1.7; }

.state-hero { padding: 42px 0 54px; border-bottom: 1px solid var(--line); background: linear-gradient(180deg, #fbfdfe, #f1f7f9); }
.state-hero-grid { display: grid; grid-template-columns: 1fr 310px; align-items: center; gap: 70px; }
.state-hero .breadcrumbs { margin-bottom: 28px; }
.state-hero h1 { font-size: clamp(40px, 4.5vw, 56px); }
.state-stat-card { padding: 25px; border-radius: 17px; background: var(--navy); color: white; box-shadow: 0 18px 40px rgba(16,42,67,.18); }
.state-stat-card > span { color: #a9c0cd; font-size: 10px; font-weight: 750; text-transform: uppercase; }
.state-stat-card > strong { display: block; margin: 8px 0 0; color: #77ddce; font-size: 43px; letter-spacing: -.05em; }
.state-stat-card > b { display: block; margin-bottom: 20px; color: #d9e5eb; font-size: 11px; }
.state-stat-card > div { display: flex; justify-content: space-between; padding: 11px 0; border-top: 1px solid rgba(255,255,255,.12); }
.state-stat-card > div span { color: #a9c0cd; font-size: 10px; }
.state-stat-card > div strong { font-size: 11px; }
.state-stat-card .up { color: #f1ca77; }
.state-stat-card .down { color: #77ddce; }
.state-layout { display: grid; grid-template-columns: minmax(0,1fr) 290px; gap: 30px; padding-top: 38px; padding-bottom: 90px; align-items: start; }
.standalone-fields.three { grid-template-columns: repeat(3, 1fr); }
.state-result { display: grid; grid-template-columns: 1.2fr 1fr 1fr; margin-top: 9px; border: 1px solid #bfe4dd; border-radius: 12px; background: #eff9f7; }
.state-result > div { padding: 18px; border-right: 1px solid #cfe8e3; }
.state-result > div:last-child { border: 0; }
.state-result span { display: block; color: #58717d; font-size: 9px; font-weight: 750; }
.state-result strong { display: block; margin-top: 4px; color: var(--teal-dark); font-size: 29px; letter-spacing: -.04em; }
.state-result b { display: block; margin-top: 7px; color: var(--navy); font-size: 18px; }
.state-content { color: var(--slate); }
.state-content h2 { margin-top: 40px; }
.data-callout { margin: 24px 0; padding: 19px; border-left: 4px solid var(--teal); background: var(--mist); }
.data-callout b { color: var(--navy); }
.data-callout p { margin: 5px 0 0; font-size: 12px; }
.driver-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.driver-grid > div { padding: 18px; border: 1px solid var(--line); border-radius: 11px; }
.driver-grid span { color: var(--teal); font-size: 10px; font-weight: 850; }
.driver-grid p { margin: 10px 0 0; font-size: 12px; line-height: 1.65; }
.focus-table { border-top: 1px solid var(--line); }
.focus-table div { display: flex; justify-content: space-between; padding: 15px 2px; border-bottom: 1px solid var(--line); }
.focus-table b { color: var(--navy); text-transform: capitalize; }
.focus-table a { color: var(--teal-dark); font-size: 11px; font-weight: 750; }
.state-content ol { padding-left: 20px; }

@media (max-width: 980px) {
  .desktop-nav { display: none; }
  .nav-cta { margin-left: auto; }
  .hero-grid { grid-template-columns: 1fr; gap: 45px; }
  .hero-copy { max-width: 720px; }
  .tool-grid { grid-template-columns: repeat(2, 1fr); }
  .category-grid { grid-template-columns: repeat(2, 1fr); }
  .how-grid, .rates-card { grid-template-columns: 1fr; gap: 45px; }
  .section-heading { grid-template-columns: 1fr; gap: 18px; }
  .editorial { grid-template-columns: 56px 1fr; }
  .editorial > p { grid-column: 2; }
  .calculator-layout { grid-template-columns: 1fr; }
  .calculator-sidebar { position: static; display: grid; grid-template-columns: 1fr 1fr; }
  .sidebar-ad { display: none; }
  .result-grid { grid-template-columns: 1fr 1fr 1fr; }
  .info-layout, .state-layout { grid-template-columns: 1fr; }
  .info-sidebar { position: static; }
  .state-card-grid { grid-template-columns: repeat(2, 1fr); }
  .state-hero-grid { grid-template-columns: 1fr; gap: 35px; }
  .state-stat-card { max-width: 420px; }
}

@media (max-width: 650px) {
  .shell { width: min(100% - 28px, 1180px); }
  .nav-wrap { height: 66px; }
  .brand { font-size: 15px; }
  .brand-mark { width: 33px; height: 33px; }
  .nav-cta { display: none; }
  .hero { padding: 55px 0 48px; }
  .hero h1 { font-size: 44px; }
  .hero-lead { font-size: 16px; }
  .hero-actions { flex-direction: column; }
  .button { width: 100%; }
  .trust-row { gap: 11px 16px; }
  .calculator-card { padding: 20px; border-radius: 16px; }
  .card-heading { flex-direction: column; gap: 10px; }
  .field-grid { grid-template-columns: 1fr; gap: 0; }
  .result-panel { align-items: flex-start; }
  .result-panel strong { font-size: 27px; }
  .proof-grid { grid-template-columns: 1fr 1fr; }
  .proof-grid div:nth-child(2) { border-right: 0; }
  .proof-grid div:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .proof-grid div { flex-direction: column; align-items: center; gap: 2px; }
  .section { padding-top: 68px; padding-bottom: 68px; }
  .section-heading h2, .how-grid h2, .rates-copy h2 { font-size: 31px; }
  .tool-grid, .category-grid { grid-template-columns: 1fr; }
  .tool-card { min-height: 235px; }
  .how-section { padding: 68px 0; }
  .how-grid { gap: 40px; }
  .rates-section { padding-bottom: 68px; }
  .rates-card { width: 100%; border-radius: 0; padding: 55px 20px; }
  .rate-row { align-items: flex-start; }
  .rate-row strong { text-align: right; }
  .editorial { grid-template-columns: 1fr; gap: 15px; padding-bottom: 68px; }
  .editorial > p { grid-column: 1; }
  .editorial h2 { font-size: 25px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px 24px; }
  .footer-grid > div:first-child { grid-column: 1 / -1; }
  .footer-bottom { flex-direction: column; }
  .calc-page-hero { padding: 32px 0 43px; }
  .breadcrumbs { margin-bottom: 24px; }
  .calc-page-hero h1 { font-size: 39px; }
  .calc-page-hero > .shell > p { font-size: 15px; }
  .calculator-layout { padding-top: 22px; padding-bottom: 65px; }
  .standalone-calculator { padding: 20px; border-radius: 14px; }
  .standalone-heading { flex-direction: column; gap: 10px; }
  .standalone-heading h2 { font-size: 21px; }
  .standalone-fields, .result-grid, .tip-list, .mini-tool-grid, .calculator-sidebar { grid-template-columns: 1fr; }
  .result-grid article { min-height: auto; }
  .result-grid span { min-height: 0; }
  .calculator-content h2 { font-size: 24px; }
  .more-tools { padding: 58px 0 65px; }
  .mini-tool-grid p { min-height: auto; }
  .info-hero, .rates-hub-hero { padding: 42px 0 48px; }
  .info-hero h1, .rates-hub-hero h1, .state-hero h1 { font-size: 38px; }
  .info-hero p, .rates-hub-hero p, .state-hero p { font-size: 15px; }
  .info-layout { gap: 35px; padding-top: 48px; padding-bottom: 65px; }
  .rate-summary { grid-template-columns: 1fr; gap: 13px; }
  .state-card-grid, .hub-explainer > div:not(.source-box), .driver-grid { grid-template-columns: 1fr; }
  .state-card { min-height: 300px; }
  .standalone-fields.three { grid-template-columns: 1fr; }
  .state-result { grid-template-columns: 1fr; }
  .state-result > div { border-right: 0; border-bottom: 1px solid #cfe8e3; }
  .state-stat-card { max-width: none; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; }
}