/* original source page styles, scoped */
.content-wrap{color-scheme:light}
.content-wrap{margin:0;padding:0;font:14px var(--font-sans);background:#faf9f5;color: var(--ink)}
.content-wrap img{max-width:100%}
.content-wrap [hidden]:not([hidden=until-found i]){display:none!important}

/* original source page styles, scoped */
.content-wrap{
    --src-navy: #155730;
    --src-gold: #f49200;
    --src-white: #FFFFFF;
    --src-light-bg: #F8F9FA;
    --src-border: #DEE2E6;
    --src-text: #212529;
    --src-text-muted: #6C757D;
    --src-success: #198754;
    --src-warning: #ff9c07;
    --src-danger: #DC3545;
    --src-alert-bg: #FFF3CD;
    --src-alert-border: #FFECB5;
  }
.content-wrap, .content-wrap *{ box-sizing: border-box; margin: 0; padding: 0; }
.content-wrap{
    font-family: var(--font-sans);
    color: var(--ink);
    background: var(--src-white);
    line-height: 1.6;
  }
.content-wrap .alert-banner{
    background: var(--src-alert-bg);
    border-bottom: 3px solid var(--src-gold);
    padding: 14px 24px;
    text-align: center;
    font-size: 0.92rem;
    font-weight: 500;
  }
.content-wrap .alert-banner strong{ color: var(--ink-danger); }
.content-wrap .sticky-nav{
    position: sticky;
    top: 0;
    z-index: 100;
    background: var(--bg-dark);
    display: flex;
    flex-direction: column;
    align-items: stretch;
    min-height: 52px;
    box-shadow: 0 2px 8px rgba(0,0,0,0.18);
  }
.content-wrap .sticky-nav-row{
    display: flex;
    align-items: center;
    height: 52px;
    padding: 0 24px;
    gap: 0;
  }
.content-wrap .nav-states{
    background: rgba(0,0,0,0.2);
    border-top: 1px solid rgba(255,255,255,0.1);
  }
.content-wrap .nav-states-inner{
    max-width: 1200px;
    margin: 0 auto;
    padding: 0.35rem 1.5rem;
    display: flex;
    flex-wrap: wrap;
    gap: 4px;
  }
.content-wrap .nav-states a{
    color: var(--ivory-2);
    text-decoration: none;
    font-size: 0.72rem;
    font-weight: 600;
    padding: 0.2rem 0.45rem;
    border-radius: 4px;
    transition: color 0.2s, background 0.2s;
  }
.content-wrap .nav-states a:hover{ color: var(--ink-warn); background: rgba(255,255,255,0.08); }
.content-wrap .nav-states a.active{ color: var(--ivory); font-weight: 700; }
.content-wrap .nav-brand{
    color: var(--ink-warn);
    font-family: var(--font-sans);
    font-size: 1.15rem;
    text-decoration: none;
    margin-right: auto;
    white-space: nowrap;
  }
.content-wrap .nav-links{
    display: flex;
    gap: 4px;
    list-style: none;
    overflow-x: auto;
  }
.content-wrap .nav-links a{
    color: var(--ivory-2);
    text-decoration: none;
    font-size: 0.82rem;
    font-weight: 500;
    padding: 6px 12px;
    border-radius: 4px;
    white-space: nowrap;
    transition: background 0.15s;
  }
.content-wrap .nav-links a:hover{ background: rgba(255,255,255,0.12); color: var(--ivory); }
.content-wrap .hero{
    background: var(--bg-dark);
    color: var(--ivory);
    padding: 56px 24px 48px;
    text-align: center;
  }
.content-wrap .hero-badge{
    display: inline-block;
    background: var(--src-gold);
    color: var(--ink);
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0;
    text-transform: none;
    padding: 4px 14px;
    border-radius: 20px;
    margin-bottom: 16px;
  }
.content-wrap .hero h1{
    font-family: var(--font-sans);
    font-size: clamp(1.8rem, 4vw, 2.8rem);
    margin-bottom: 14px;
  }
.content-wrap .hero-sub{
    font-size: 1.1rem;
    
    max-width: 600px;
    margin: 0 auto 28px;
  }
.content-wrap .hero-stats{
    display: flex;
    justify-content: center;
    gap: 32px;
    flex-wrap: wrap;
    margin-top: 28px;
  }
.content-wrap .hero-stat{
    text-align: center;
  }
.content-wrap .hero-stat .value{
    font-size: 2rem;
    font-weight: 700;
    color: var(--ink-warn);
    font-family: var(--font-sans);
  }
.content-wrap .hero-stat .label{
    font-size: 0.8rem;
    
    margin-top: 2px;
  }
.content-wrap .page-wrap{
    max-width: 1200px;
    margin: 0 auto;
    padding: 40px 24px;
  }
.content-wrap .two-col{
    display: grid;
    grid-template-columns: 1fr 320px;
    gap: 32px;
    align-items: start;
  }
@media (max-width: 900px){.content-wrap .two-col{ grid-template-columns: 1fr; }
.content-wrap .sidebar{ order: -1; }}
.content-wrap .section-header{
    border-left: 4px solid var(--src-gold);
    padding-left: 16px;
    margin-bottom: 24px;
  }
.content-wrap .section-header h2{
    font-family: var(--font-sans);
    font-size: 1.5rem;
    color: var(--ink);
    margin-bottom: 4px;
  }
.content-wrap .section-header p{
    font-size: 0.9rem;
    color: var(--ink-3);
  }
.content-wrap .program-card{
    border: 1px solid var(--src-border);
    border-radius: 10px;
    margin-bottom: 16px;
    overflow: hidden;
    box-shadow: 0 1px 4px rgba(0,0,0,0.06);
  }
.content-wrap .card-header{
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 18px 20px;
    cursor: pointer;
    background: var(--src-white);
    transition: background 0.15s;
    user-select: none;
  }
.content-wrap .card-header:hover{ background: var(--src-light-bg); }
.content-wrap .card-icon{
    width: 44px;
    height: 44px;
    border-radius: 10px;
    background: var(--bg-dark);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.3rem;
    flex-shrink: 0;
  }
.content-wrap .card-title-group{ flex: 1; }
.content-wrap .card-title{
    font-weight: 600;
    font-size: 1.05rem;
    color: var(--ivory);
  }
.content-wrap .card-subtitle{
    font-size: 0.82rem;
    color: var(--ivory-2);
    margin-top: 2px;
  }
.content-wrap .card-badge{
    font-size: 0.75rem;
    font-weight: 700;
    padding: 3px 10px;
    border-radius: 12px;
    white-space: nowrap;
  }
.content-wrap .badge-green{ background: #D1FAE5; color: var(--ink); }
.content-wrap .badge-blue{ background: #e1f8eb; color: var(--accent); }
.content-wrap .badge-gold{ background: #FEF3C7; color: var(--ink-warn); }
.content-wrap .badge-gray{ background: #F3F4F6; color: var(--ink-2); }
.content-wrap .badge-red{ background: #FEE2E2; color: var(--ink-danger); }
.content-wrap .chevron{
    font-size: 0.8rem;
    color: var(--ivory-2);
    transition: transform 0.2s;
    flex-shrink: 0;
  }
.content-wrap .program-card.open .chevron{ transform: rotate(180deg); }
.content-wrap .card-body{
    display: none;
    border-top: 1px solid var(--src-border);
    padding: 20px;
    background: var(--src-light-bg);
  }
.content-wrap .program-card.open .card-body{ display: block; }
.content-wrap .detail-grid{
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
    gap: 12px;
    margin-bottom: 16px;
  }
.content-wrap .detail-item{
    background: var(--src-white);
    border: 1px solid var(--src-border);
    border-radius: 8px;
    padding: 12px 14px;
  }
.content-wrap .detail-label{
    font-size: 0.75rem;
    color: var(--ivory-2);
    font-weight: 500;
    text-transform: none;
    letter-spacing: 0;
    margin-bottom: 4px;
  }
.content-wrap .detail-value{
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--ivory);
  }
.content-wrap .card-body p{
    font-size: 0.9rem;
    color: var(--ink);
    margin-bottom: 10px;
    line-height: 1.65;
  }
.content-wrap .card-body p:last-child{ margin-bottom: 0; }
.content-wrap .how-to-apply{
    background: #f2fcf6;
    border: 1px solid #caf3db;
    border-radius: 8px;
    padding: 14px 16px;
    font-size: 0.87rem;
    line-height: 1.6;
    margin-top: 14px;
  }
.content-wrap .how-to-apply strong{
    display: block;
    margin-bottom: 6px;
    color: var(--ink);
  }
.content-wrap .source-note{
    font-size: 0.78rem;
    color: var(--ivory-2);
    margin-top: 12px;
    font-style: italic;
  }
.content-wrap .utility-tabs{
    display: flex;
    gap: 8px;
    margin-bottom: 16px;
    flex-wrap: wrap;
  }
.content-wrap .tab-btn{
    padding: 7px 18px;
    border-radius: 20px;
    border: 2px solid var(--src-border);
    background: var(--src-white);
    font-size: 0.85rem;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.15s;
    color: var(--ink-3);
  }
.content-wrap .tab-btn.active{
    background: var(--accent);
    border-color: var(--src-navy);
    color: var(--ivory);
  }
.content-wrap .tab-panel{ display: none; }
.content-wrap .tab-panel.active{ display: block; }
.content-wrap .calculator-card{
    background: var(--bg-dark);
    color: var(--ivory);
    border-radius: 12px;
    padding: 28px 24px;
    margin: 40px 0;
  }
.content-wrap .calculator-card h3{
    font-family: var(--font-sans);
    font-size: 1.3rem;
    margin-bottom: 6px;
    color: var(--ivory);
  }
.content-wrap .calculator-card p{
    font-size: 0.87rem;
    
    margin-bottom: 20px;
  }
.content-wrap .calc-grid{
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
    margin-bottom: 20px;
  }
@media (max-width: 600px){.content-wrap .calc-grid{ grid-template-columns: 1fr; }}
.content-wrap .calc-field label{
    display: block;
    font-size: 0.8rem;
    
    margin-bottom: 6px;
    font-weight: 500;
  }
.content-wrap .calc-field input, .content-wrap .calc-field select{
    width: 100%;
    padding: 10px 12px;
    border-radius: 8px;
    border: 1px solid rgba(255,255,255,0.2);
    background: rgba(255,255,255,0.1);
    color: var(--ivory);
    font-size: 0.95rem;
    font-family: var(--font-sans);
  }
.content-wrap .calc-field input::placeholder{ color: var(--ivory-2); }
.content-wrap .calc-field select option{ background: var(--bg-dark); color: var(--ivory); }
.content-wrap .calc-btn{
    width: 100%;
    padding: 13px;
    background: var(--src-gold);
    color: var(--ink);
    border: none;
    border-radius: 8px;
    font-size: 1rem;
    font-weight: 700;
    cursor: pointer;
    transition: opacity 0.15s;
  }
.content-wrap .calc-btn:hover{ opacity: 0.9; }
.content-wrap .calc-results{
    display: none;
    margin-top: 20px;
    background: rgba(255,255,255,0.1);
    border-radius: 10px;
    padding: 18px;
  }
.content-wrap .calc-results.show{ display: block; }
.content-wrap .result-row{
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 8px 0;
    border-bottom: 1px solid rgba(255,255,255,0.1);
    font-size: 0.9rem;
  }
.content-wrap .result-row:last-child{ border-bottom: none; font-weight: 700; font-size: 1rem; }
.content-wrap .result-row .val{ color: var(--ivory); }
.content-wrap .calc-disclaimer{
    font-size: 0.75rem;
    
    margin-top: 12px;
    font-style: italic;
  }
.content-wrap .sidebar{}
.content-wrap .sidebar-card{
    background: var(--src-white);
    border: 1px solid var(--src-border);
    border-radius: 10px;
    padding: 20px;
    margin-bottom: 20px;
    box-shadow: 0 1px 4px rgba(0,0,0,0.05);
  }
.content-wrap .sidebar-card h3{
    font-family: var(--font-sans);
    font-size: 1.05rem;
    color: var(--ink);
    margin-bottom: 14px;
    padding-bottom: 10px;
    border-bottom: 2px solid var(--src-gold);
  }
.content-wrap .quick-fact{
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    padding: 8px 0;
    border-bottom: 1px solid var(--src-border);
    font-size: 0.86rem;
  }
.content-wrap .quick-fact:last-child{ border-bottom: none; }
.content-wrap .quick-fact .fact-label{ color: var(--ink-3); }
.content-wrap .quick-fact .fact-value{ font-weight: 600; color: var(--ink); text-align: right; max-width: 55%; }
.content-wrap .lead-form{
    background: var(--bg-dark);
    color: var(--ivory);
    border-radius: 10px;
    padding: 22px 20px;
  }
.content-wrap .lead-form h3{
    font-family: var(--font-sans);
    font-size: 1.05rem;
    color: var(--ivory);
    margin-bottom: 6px;
  }
.content-wrap .lead-form p{
    font-size: 0.82rem;
    
    margin-bottom: 14px;
    line-height: 1.5;
  }
.content-wrap .lead-form input, .content-wrap .lead-form select{
    width: 100%;
    padding: 10px 12px;
    border-radius: 8px;
    border: 1px solid rgba(255,255,255,0.25);
    background: rgba(255,255,255,0.12);
    color: var(--ivory);
    font-size: 0.88rem;
    font-family: var(--font-sans);
    margin-bottom: 10px;
  }
.content-wrap .lead-form input::placeholder{ color: var(--ivory-2); }
.content-wrap .lead-form select option{ background: var(--bg-dark); }
.content-wrap .lead-submit{
    width: 100%;
    padding: 11px;
    background: var(--src-gold);
    color: var(--ink);
    border: none;
    border-radius: 8px;
    font-size: 0.92rem;
    font-weight: 700;
    cursor: pointer;
    transition: opacity 0.15s;
    margin-top: 2px;
  }
.content-wrap .lead-submit:hover{ opacity: 0.9; }
.content-wrap .lead-privacy{
    font-size: 0.73rem;
    
    text-align: center;
    margin-top: 8px;
  }
.content-wrap .content-section{ margin-bottom: 48px; }
.content-wrap .sources-section{
    background: var(--src-light-bg);
    border-top: 2px solid var(--src-border);
    padding: 32px 24px;
    margin-top: 0;
  }
.content-wrap .sources-inner{
    max-width: 1200px;
    margin: 0 auto;
  }
.content-wrap .sources-section h3{
    font-family: var(--font-sans);
    font-size: 1.1rem;
    color: var(--ink);
    margin-bottom: 14px;
  }
.content-wrap .sources-list{
    list-style: none;
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
    gap: 8px;
  }
.content-wrap .sources-list li{
    font-size: 0.8rem;
    color: var(--ink-3);
  }
.content-wrap .sources-list a{
    color: var(--ink);
    text-decoration: none;
  }
.content-wrap .sources-list a:hover{ text-decoration: underline; }
.content-wrap footer{
    background: var(--bg-dark);
    color: var(--ivory-2);
    padding: 28px 24px;
    text-align: center;
    font-size: 0.82rem;
  }
.content-wrap footer a{ color: var(--ink-warn); text-decoration: none; }
.content-wrap footer .footer-brand{
    font-family: var(--font-sans);
    color: var(--ink-warn);
    font-size: 1.1rem;
    margin-bottom: 8px;
  }
.content-wrap .tier2-notice{
    background: #FFF3CD;
    border: 1px solid #FFECB5;
    border-radius: 6px;
    padding: 10px 14px;
    font-size: 0.82rem;
    color: var(--ink-2);
    margin-top: 12px;
  }
.content-wrap .tier2-notice strong{ color: var(--ink-warn); }
.content-wrap .territory-info{
    display: inline-block;
    background: #f3fcf7;
    border: 1px solid #c5f2d8;
    border-radius: 6px;
    padding: 6px 12px;
    font-size: 0.82rem;
    color: var(--ink-2);
    margin-bottom: 14px;
  }
.content-wrap [id]{ scroll-margin-top: 64px; }

/* page styles */
.content-wrap .content-wrap{ max-width: 1200px; margin: 0 auto; padding: 2.5rem 1.5rem 4rem; }
.content-wrap .layout{ display: grid; grid-template-columns: 1fr 320px; gap: 2.5rem; align-items: start; }
.content-wrap .section{ margin-bottom: 2.5rem; }
.content-wrap .section-title{ font-family: var(--font-sans); font-size: var(--step-2); font-weight: 700; color: var(--accent); margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--sun); display: inline-block; }
.content-wrap .content p{ line-height: 1.7; color: var(--ink-2); margin-bottom: 0.85rem; }
.content-wrap .highlight-row{ display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 1rem; margin-bottom: 1.5rem; }
.content-wrap .highlight-card{ border-radius: 12px; padding: 1.25rem; text-align: center; }
.content-wrap .highlight-card.blue{ background: #f2fcf6; border: 1px solid #caf3db; }
.content-wrap .highlight-card.green{ background: #f0fdf4; border: 1px solid #86efac; }
.content-wrap .highlight-card.amber{ background: #fffbeb; border: 1px solid #fde68a; }
.content-wrap .highlight-card.red{ background: #fef2f2; border: 1px solid #fecaca; }
.content-wrap .highlight-card-value{ font-size: 1.6rem; font-weight: 700; margin-bottom: 0.3rem; }
.content-wrap .highlight-card.blue .highlight-card-value{ color: var(--ink-2); }
.content-wrap .highlight-card.green .highlight-card-value{ color: var(--ink-2); }
.content-wrap .highlight-card.amber .highlight-card-value{ color: var(--ink-2); }
.content-wrap .highlight-card.red .highlight-card-value{ color: var(--ink-2); }
.content-wrap .highlight-card-label{ font-size: 0.78rem; font-weight: 600; color: var(--ink-2); text-transform: none; letter-spacing: 0; }
.content-wrap .data-table{ width: 100%; border-collapse: collapse; margin: 1rem 0; font-size: 0.9rem; }
.content-wrap .data-table th{ background: var(--accent); color: var(--ivory); padding: 0.65rem 1rem; text-align: left; font-size: 0.8rem; text-transform: none; letter-spacing: 0; }
.content-wrap .data-table td{ padding: 0.65rem 1rem; border-bottom: 1px solid #e5e7eb; }
.content-wrap .data-table tr:nth-child(even) td{ background: #f9fbfa; }
.content-wrap .data-table tr:last-child td{ border-bottom: none; }
.content-wrap .td-label{ font-weight: 600; color: var(--ink-2); }
.content-wrap .td-good{ color: var(--accent); font-weight: 600; }
.content-wrap .td-bad{ color: var(--ink-danger); font-weight: 600; }
.content-wrap .td-neutral{ color: var(--ink-warn); font-weight: 600; }
.content-wrap .math-box{ background: #f9fbfa; border: 1px solid #e5e7eb; border-left: 4px solid var(--accent); border-radius: 8px; padding: 1.25rem 1.5rem; margin: 1.25rem 0; font-size: 0.88rem; }
.content-wrap .math-box-title{ font-weight: 700; color: var(--accent); margin-bottom: 0.75rem; font-size: 0.95rem; }
.content-wrap .math-row{ display: flex; justify-content: space-between; padding: 0.3rem 0; border-bottom: 1px solid #e5e7eb; }
.content-wrap .math-row:last-child{ border-bottom: none; font-weight: 700; color: var(--accent); }
.content-wrap .math-row.total{ border-top: 2px solid var(--accent); padding-top: 0.5rem; }
.content-wrap .callout{ border-radius: 10px; padding: 1.25rem 1.5rem; margin: 1.25rem 0; }
.content-wrap .callout-amber{ background: #fffbeb; border: 1px solid #fde68a; }
.content-wrap .callout-amber .callout-head{ color: var(--ink-warn); font-weight: 700; margin-bottom: 0.5rem; }
.content-wrap .callout-red{ background: #fef2f2; border: 1px solid #fecaca; }
.content-wrap .callout-red .callout-head{ color: var(--ink-danger); font-weight: 700; margin-bottom: 0.5rem; }
.content-wrap .callout-blue{ background: #f2fcf6; border: 1px solid #caf3db; }
.content-wrap .callout-blue .callout-head{ color: var(--accent); font-weight: 700; margin-bottom: 0.5rem; }
.content-wrap .callout-green{ background: #f0fdf4; border: 1px solid #86efac; }
.content-wrap .callout-green .callout-head{ color: var(--accent); font-weight: 700; margin-bottom: 0.5rem; }
.content-wrap .callout p{ margin-bottom: 0; }
.content-wrap .sidebar{ display: flex; flex-direction: column; gap: 1.5rem; }
.content-wrap .sidebar-card{ background: #fff; border: 1px solid #e5e7eb; border-radius: 14px; overflow: hidden; }
.content-wrap .sidebar-card-head{ background: var(--accent); color: var(--ivory); padding: 0.85rem 1.25rem; font-weight: 700; font-size: 0.88rem; text-transform: none; letter-spacing: 0; }
.content-wrap .sidebar-card-body{ padding: 1.25rem; }
.content-wrap .sidebar-row{ display: flex; justify-content: space-between; align-items: baseline; padding: 0.5rem 0; border-bottom: 1px solid #f3f4f6; font-size: 0.88rem; }
.content-wrap .sidebar-row:last-child{ border-bottom: none; }
.content-wrap .sidebar-row-label{ color: var(--ink-2); }
.content-wrap .sidebar-row-value{ font-weight: 700; color: var(--ink); text-align: right; max-width: 55%; }
.content-wrap .sidebar-row-value.green{ color: var(--ink-2); }
.content-wrap .sidebar-row-value.red{ color: var(--ink-2); }
.content-wrap .sidebar-row-value.amber{ color: var(--ink-2); }
.content-wrap .badge{ display: inline-block; font-size: 0.7rem; font-weight: 700; padding: 0.15rem 0.5rem; border-radius: 4px; text-transform: none; letter-spacing: 0; }
.content-wrap .badge-green{ background: #d1fae5; color: var(--ink); }
.content-wrap .badge-red{ background: #fee2e2; color: var(--ink-danger); }
.content-wrap .badge-amber{ background: #fef3c7; color: var(--ink-warn); }
.content-wrap .badge-blue{ background: #e1f8eb; color: var(--accent); }
.content-wrap .source-list{ font-size: 0.78rem; color: var(--ink-2); line-height: 1.7; }
.content-wrap .source-list a{ color: var(--accent); text-decoration: none; }
.content-wrap .source-list a:hover{ text-decoration: underline; }
.content-wrap .alert-bar{ padding: 0.7rem 1.5rem; font-size: 0.82rem; font-weight: 600; display: flex; align-items: center; gap: 0.5rem; justify-content: center; text-align: center; }
.content-wrap .alert-red{ background: #fef2f2; color: var(--ink-2); border-bottom: 1px solid #fecaca; }
.content-wrap .alert-amber{ background: #fffbeb; color: var(--ink-2); border-bottom: 1px solid #fde68a; }
.content-wrap .alert-green{ background: #f0fdf4; color: var(--ink); border-bottom: 1px solid #86efac; }
.content-wrap .alert-blue{ background: #f2fcf6; color: var(--ink-2); border-bottom: 1px solid #caf3db; }
@media (max-width: 860px){.content-wrap .layout{ grid-template-columns: 1fr; }
.content-wrap .sidebar{ order: -1; }
.content-wrap .highlight-row{ grid-template-columns: repeat(2, 1fr); }}
@media (max-width: 480px){.content-wrap .highlight-row{ grid-template-columns: 1fr 1fr; }
.content-wrap .sidebar-row{ flex-direction: column; gap: 0.2rem; }
.content-wrap .sidebar-row-value{ text-align: left; max-width: 100%; }}