/* LLCForming design system
   Editorial fintech: deep navy + slate, one green accent, serif display type.
   Version: 1.0 (bump the ?v= in templates when this changes) */

:root{
  --ink:#0d2137;
  --navy:#123152;
  --navy-2:#1a4066;
  --slate:#45586c;
  --slate-soft:#6b7d90;
  --paper:#ffffff;
  --wash:#f4f6f5;
  --wash-2:#ecefec;
  --line:#d9e0e6;
  --line-soft:#e6ebee;
  --accent:#0f7a55;
  --accent-dark:#0a5c40;
  --accent-tint:#e7f3ee;
  --warn-tint:#fdf3e3;
  --warn-line:#e8cf9f;
  --warn-ink:#7a5a12;
  --radius:10px;
  --shadow:0 1px 2px rgba(13,33,55,.06),0 4px 14px rgba(13,33,55,.06);
  --font-body:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --font-display:"Newsreader",Georgia,"Times New Roman",serif;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:var(--font-body);font-size:17px;line-height:1.65;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
img,svg{max-width:100%}
a{color:var(--accent-dark);text-decoration:underline;text-underline-offset:2px}
a:hover{color:var(--accent)}
::selection{background:var(--accent-tint)}

.wrap{max-width:1140px;margin:0 auto;padding:0 24px}
.reading{max-width:780px;margin:0 auto;padding:0 24px}

/* ---------- header ---------- */
.topbar{background:var(--ink);color:#cfe0d4;font-size:13px}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding-top:7px;padding-bottom:7px}
.topbar a{color:#cfe0d4;text-decoration:none}
.topbar a:hover{color:#fff}
.site-header{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-top:14px;padding-bottom:14px}
.wordmark{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink)}
.wordmark:hover{color:var(--ink)}
.wordmark .mark{flex:none;width:38px;height:38px}
.wordmark .name{font-weight:800;font-size:23px;letter-spacing:-.02em;line-height:1}
.wordmark .name em{font-style:normal;color:var(--accent)}
.wordmark .tag{display:block;font-size:11.5px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--slate-soft);margin-top:3px}
.mainnav{display:flex;gap:4px;flex-wrap:wrap}
.mainnav a{
  color:var(--navy);text-decoration:none;font-weight:600;font-size:15px;
  padding:8px 12px;border-radius:8px;
}
.mainnav a:hover{background:var(--wash);color:var(--accent-dark)}

/* ---------- hero ---------- */
.hero{background:var(--ink);color:#eef3f6;padding:64px 0 56px}
.hero h1{color:#fff}
.hero .lede{color:#c3d2de;font-size:20px;max-width:640px}
.hero .fineprint{color:#93a9bb;font-size:13.5px;margin-top:18px}
.hero-card{
  background:#fff;border-radius:14px;padding:26px;box-shadow:0 12px 34px rgba(0,0,0,.28);
  color:var(--ink);max-width:560px;margin-top:30px;
}
.hero-card h2{margin:0 0 6px;font-size:19px}
.hero-card p{margin:0 0 16px;color:var(--slate);font-size:15px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:44px;align-items:start}

/* ---------- type ---------- */
h1,h2,h3{font-family:var(--font-display);font-weight:600;letter-spacing:-.01em;color:var(--ink)}
h1{font-size:44px;line-height:1.12;margin:0 0 18px}
h2{font-size:31px;line-height:1.2;margin:52px 0 16px}
h3{font-size:22px;line-height:1.3;margin:34px 0 10px}
p{margin:0 0 18px}
.lede{font-size:20px;line-height:1.55;color:var(--slate)}
.small{font-size:14px;color:var(--slate)}
.eyebrow{
  font-size:12.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  color:var(--accent-dark);margin:0 0 14px;
}
ul,ol{margin:0 0 18px;padding-left:24px}
li{margin-bottom:8px}
strong{font-weight:700}
hr.sep{border:0;border-top:1px solid var(--line-soft);margin:40px 0}

/* ---------- buttons & forms ---------- */
.btn{
  display:inline-block;font-weight:700;font-size:16px;text-decoration:none;
  padding:13px 24px;border-radius:9px;border:1px solid transparent;cursor:pointer;
  transition:background .15s ease,border-color .15s ease;
}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-dark);color:#fff}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--navy);color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2);color:#fff}
label.flabel{display:block;font-weight:600;font-size:14.5px;margin:0 0 7px;color:var(--navy)}
select.fselect,input.finput{
  width:100%;font:inherit;font-size:16px;color:var(--ink);
  padding:12px 14px;border:1px solid var(--line);border-radius:9px;background:#fff;
}
select.fselect:focus,input.finput:focus{outline:2px solid var(--accent);outline-offset:1px;border-color:var(--accent)}
.checkline{display:flex;gap:10px;align-items:flex-start;font-size:15.5px;margin:12px 0}
.checkline input{width:19px;height:19px;margin-top:3px;accent-color:var(--accent)}

/* ---------- cards & grids ---------- */
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:24px;box-shadow:var(--shadow);
}
.card h3{margin-top:0}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid-5{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
.state-card{display:block;text-decoration:none;color:var(--ink)}
.state-card:hover{border-color:var(--accent);color:var(--ink)}
.state-card .sname{font-family:var(--font-display);font-size:21px;font-weight:600;display:block;margin-bottom:4px}
.state-card .smeta{font-size:14px;color:var(--slate);display:block}
.state-card .sfee{font-size:26px;font-weight:800;color:var(--navy);display:block;margin-top:10px}
.state-card .sfeelabel{font-size:12px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--slate-soft)}

/* ---------- tables (financial publishing style) ---------- */
table.fee-table,table.compare-table{
  width:100%;border-collapse:collapse;margin:22px 0 30px;font-size:15.5px;
  border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;
}
.fee-table th,.compare-table th{
  background:var(--ink);color:#fff;text-align:left;font-weight:700;font-size:13.5px;
  letter-spacing:.04em;text-transform:uppercase;padding:12px 16px;
}
.fee-table td,.compare-table td{padding:12px 16px;border-top:1px solid var(--line-soft);vertical-align:top}
.fee-table tr:nth-child(even) td,.compare-table tr:nth-child(even) td{background:var(--wash)}
.fee-table td.num,.compare-table td.num,.fee-table th.num,.compare-table th.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.fee-table tr.total td{background:var(--accent-tint);font-weight:800;border-top:2px solid var(--accent)}
.fee-table caption,.compare-table caption{
  caption-side:top;text-align:left;font-size:14px;color:var(--slate);padding:0 0 10px;
}
.compare-table td.best{background:var(--accent-tint)}
.tag-best{
  display:inline-block;background:var(--accent);color:#fff;font-size:11.5px;font-weight:700;
  letter-spacing:.05em;text-transform:uppercase;border-radius:20px;padding:3px 10px;margin-left:8px;vertical-align:2px;
}

/* ---------- callouts ---------- */
.callout{border-radius:var(--radius);padding:20px 22px;margin:26px 0;font-size:15.5px}
.callout p:last-child{margin-bottom:0}
.callout .ctitle{font-weight:800;font-size:13px;letter-spacing:.08em;text-transform:uppercase;margin:0 0 8px}
.callout-source{background:var(--accent-tint);border:1px solid #bfe0d2}
.callout-source .ctitle{color:var(--accent-dark)}
.callout-note{background:var(--wash);border:1px solid var(--line)}
.callout-note .ctitle{color:var(--navy)}
.callout-warn{background:var(--warn-tint);border:1px solid var(--warn-line)}
.callout-warn .ctitle{color:var(--warn-ink)}
.callout-disclosure{background:#fff;border:1px dashed var(--slate-soft);color:var(--slate);font-size:14px}
.callout-disclosure .ctitle{color:var(--slate)}

/* ---------- article chrome ---------- */
.breadcrumb{font-size:13.5px;color:var(--slate-soft);margin:26px 0 10px}
.breadcrumb a{color:var(--slate);text-decoration:none}
.breadcrumb a:hover{color:var(--accent-dark);text-decoration:underline}
.byline{font-size:14px;color:var(--slate);border-bottom:1px solid var(--line-soft);padding-bottom:18px;margin-bottom:8px}
.badge-verified{
  display:inline-block;background:var(--accent-tint);color:var(--accent-dark);
  font-size:12.5px;font-weight:700;border-radius:20px;padding:3px 11px;margin-left:8px;vertical-align:2px;
}
.toc{background:var(--wash);border:1px solid var(--line-soft);border-radius:var(--radius);padding:18px 22px;margin:24px 0}
.toc .ctitle{font-weight:800;font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--navy);margin:0 0 10px}
.toc ul{margin:0;padding-left:20px}
.toc li{margin-bottom:5px;font-size:15px}
.steps{counter-reset:step;list-style:none;padding:0}
.steps>li{
  counter-increment:step;position:relative;padding:4px 0 18px 58px;margin-bottom:6px;
}
.steps>li::before{
  content:counter(step);position:absolute;left:0;top:0;width:40px;height:40px;
  background:var(--navy);color:#fff;border-radius:50%;font-weight:800;font-size:18px;
  display:flex;align-items:center;justify-content:center;font-family:var(--font-body);
}
.steps>li h3{margin-top:6px}
.faq-item{border-top:1px solid var(--line-soft);padding:18px 0}
.faq-item h3{margin:0 0 8px;font-size:19px}
.related{border-top:2px solid var(--ink);margin-top:56px;padding-top:8px}
.related h2{margin-top:24px}

/* ---------- calculator ---------- */
.calc-box{border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);overflow:hidden;margin:28px 0}
.calc-head{background:var(--ink);color:#fff;padding:22px 26px}
.calc-head h2{color:#fff;margin:0;font-size:24px}
.calc-head p{color:#c3d2de;margin:6px 0 0;font-size:15px}
.calc-body{padding:26px}
.calc-result{background:var(--wash);border-radius:var(--radius);padding:22px 26px;margin-top:22px}
.calc-result .big{font-size:38px;font-weight:800;color:var(--navy);font-variant-numeric:tabular-nums;line-height:1.1}
.calc-result .biglabel{font-size:12.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--slate)}
.calc-lines{width:100%;border-collapse:collapse;margin-top:14px;font-size:15.5px}
.calc-lines td{padding:8px 0;border-top:1px solid var(--line)}
.calc-lines td.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap;font-weight:600}

/* ---------- sections ---------- */
.section{padding:64px 0}
.section-wash{background:var(--wash)}
.section-head{max-width:720px;margin-bottom:34px}
.section-head h2{margin-top:0}

/* ---------- footer ---------- */
.site-footer{background:var(--ink);color:#b9c9d6;margin-top:80px;padding:56px 0 34px;font-size:14.5px}
.site-footer a{color:#d7e4ee;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:34px;margin-bottom:36px}
.footer-grid h4{color:#fff;font-size:13px;letter-spacing:.1em;text-transform:uppercase;margin:0 0 14px;font-family:var(--font-body)}
.footer-grid ul{list-style:none;padding:0;margin:0}
.footer-grid li{margin-bottom:9px}
.footer-word{font-size:20px;font-weight:800;color:#fff;letter-spacing:-.02em}
.footer-word em{font-style:normal;color:#57c493}
.footer-fine{border-top:1px solid #24405c;padding-top:22px;font-size:13px;color:#8fa6b8;line-height:1.6}
.footer-fine p{margin-bottom:10px}

/* ---------- responsive ---------- */
@media (max-width:960px){
  .site-header .wrap{flex-wrap:wrap}
  .wordmark .name,.wordmark .tag{white-space:nowrap}
  .hero-grid{grid-template-columns:1fr}
  .grid-3{grid-template-columns:1fr 1fr}
  .grid-5{grid-template-columns:repeat(3,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  h1{font-size:36px}
  h2{font-size:27px}
}
@media (max-width:640px){
  body{font-size:16px}
  .wrap,.reading{padding:0 18px}
  .grid-2,.grid-3,.grid-5{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .site-header .wrap{flex-direction:column;align-items:flex-start;gap:10px}
  .mainnav{gap:2px}
  .mainnav a{padding:7px 9px;font-size:14.5px}
  .topbar .wrap{flex-direction:column;gap:2px}
  .hero{padding:44px 0 40px}
  h1{font-size:31px;line-height:1.18}
  h2{font-size:25px}
  .section{padding:44px 0}
  table.fee-table,table.compare-table{font-size:14px;display:block;overflow-x:auto}
  .fee-table th,.fee-table td,.compare-table th,.compare-table td{padding:10px 12px}
  .steps>li{padding-left:50px}
  .calc-result .big{font-size:31px}
  .btn{display:block;text-align:center;width:100%}
  .hero-card .btn{display:block}
}