@font-face{font-family:"Archivo";src:url("/fonts/archivo.woff2") format("woff2");font-weight:100 1000;font-style:normal;font-display:swap}
@font-face{font-family:"Public Sans";src:url("/fonts/public-sans.woff2") format("woff2");font-weight:100 900;font-style:normal;font-display:swap}
:root{
  --paper:#F4F6F7;
  --paper-2:#E8EEF1;
  --card:#FFFFFF;
  --ink:#14232E;
  --ink-soft:#54656F;
  --navy:#0E2233;
  --navy-deep:#081826;
  --navy-soft:#33566E;
  --navy-tint:#E1EAF0;
  --ice:#DDEBF5;
  --ember:#FF5C1C;
  --ember-deep:#D63F08;
  --ember-text:#C23A06;
  --ember-tint:#FFEEE6;
  --amber:#FFB340;
  --line:#D7DFE4;
  --radius:12px;
  --shadow:0 1px 2px rgba(20,35,46,.06),0 16px 36px -16px rgba(20,35,46,.28);
  --display:"Archivo",-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --sans:"Public Sans",-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px}
.narrow{max-width:780px}
a{color:var(--ember-text);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3{font-family:var(--display);font-weight:800;line-height:1.12;letter-spacing:-.015em;margin:0}
.btn{display:inline-block;background:var(--ember);color:#fff;font-weight:700;font-size:15.5px;padding:13px 24px;border:none;border-radius:8px;cursor:pointer;transition:background .15s ease,transform .15s ease}
.btn:hover{background:var(--ember-deep);text-decoration:none;transform:translateY(-1px)}
.btn-ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.85);padding:11px 22px}
.btn-ghost:hover{background:#fff;color:var(--navy)}
.btn-small{padding:9px 18px;font-size:14px;border-radius:8px}
.btn-light{background:#fff;color:var(--navy)}
.btn-light:hover{background:var(--paper-2)}
.eyebrow{font-size:12.5px;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:var(--ember-text);margin:0 0 14px}
.eyebrow.light{color:var(--amber)}
.chip{display:inline-block;background:var(--navy-tint);color:var(--navy);font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;padding:5px 11px;border-radius:6px}
.chip:hover{text-decoration:none;background:var(--ice)}
.chip-row{margin:26px 0 12px}

/* ---------- Notice bar + masthead ---------- */
.noticebar{background:linear-gradient(90deg,var(--ember-deep),var(--ember));color:#FFE9DF;font-size:13.5px}
.noticebar-in{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-top:8px;padding-bottom:8px}
.noticebar p{margin:0}
.noticebar strong{color:#fff}
.noticebar a{color:#fff;font-weight:800;white-space:nowrap;text-decoration:underline;text-underline-offset:3px}
.masthead{background:var(--navy);border-bottom:none}
.masthead-in{display:flex;align-items:center;gap:22px;padding-top:20px;padding-bottom:20px}
.brand{display:flex;align-items:center;gap:10px;color:#fff}
.brand:hover{text-decoration:none}
.brand-mark{width:32px;height:32px;flex:none}
.brand-word{font-family:var(--display);font-size:27px;font-weight:850;letter-spacing:-.02em}
.brand-word em{font-style:normal;color:var(--ember)}
.brand-light{color:#fff}
.masthead-tag{margin:0;color:#A9BECB;font-size:14.5px;max-width:330px;line-height:1.45}
.masthead .btn{margin-left:auto;flex:none}
.mainnav{border-top:1px solid rgba(255,255,255,.14);background:var(--navy)}
.nav-in{display:flex;gap:6px;overflow-x:auto}
.mainnav a{padding:12px 14px;font-size:15px;font-weight:650;color:#D7E3EA;white-space:nowrap;border-bottom:3px solid transparent}
.mainnav a:hover{text-decoration:none;color:#fff}
.mainnav a.active{color:#fff;border-bottom-color:var(--ember)}

/* ---------- Hero ---------- */
.hero{position:relative;overflow:hidden;background:var(--navy);color:#EAF1F5}
.hero::before{content:"";position:absolute;right:-140px;top:-160px;width:600px;height:600px;border-radius:50%;background:radial-gradient(circle,rgba(255,92,28,.42) 0%,rgba(255,179,64,.16) 42%,rgba(255,92,28,0) 68%)}
.hero::after{content:"";position:absolute;left:-200px;bottom:-300px;width:560px;height:560px;border-radius:50%;background:radial-gradient(circle,rgba(64,140,190,.28) 0%,rgba(64,140,190,0) 65%)}
.hero-in{position:relative;z-index:1;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;padding-top:64px;padding-bottom:72px;align-items:center}
.hero .eyebrow{color:var(--amber)}
.hero h1{font-size:56px;font-weight:880;letter-spacing:-.02em;color:#fff}
.hero h1 .warm{color:var(--ember)}
.hero-sub{font-size:19.5px;color:#B9CBD6;line-height:1.55;margin:20px 0 28px;max-width:520px}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap}
.hero-note{margin:18px 0 0;font-size:14px;color:#8FA6B5}
.stackcard{background:var(--card);color:var(--ink);border:none;border-radius:16px;box-shadow:0 24px 50px -20px rgba(0,0,0,.5);padding:26px 28px}
.stackcard-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:6px}
.stackcard h3{font-size:21px}
.stackcard .stack-where{font-size:13px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--ember-text)}
.stack-row{display:flex;justify-content:space-between;align-items:baseline;gap:14px;padding:13px 0;border-bottom:1px dashed var(--line)}
.stack-row .stack-name{font-size:15.5px}
.stack-row .stack-name small{display:block;color:var(--ink-soft);font-size:13px}
.stack-row .stack-amt{font-family:var(--display);font-size:21px;font-weight:800;white-space:nowrap}
.stack-total{display:flex;justify-content:space-between;align-items:baseline;padding-top:16px}
.stack-total .stack-name{font-weight:800;font-size:16px}
.stack-total .stack-amt{font-family:var(--display);font-size:32px;font-weight:880;color:var(--ember-text)}
.stackcard .fineprint{font-size:12.5px;color:var(--ink-soft);margin:12px 0 0;line-height:1.5}

/* ---------- Trust strip ---------- */
.truststrip{border-bottom:1px solid var(--line);background:#fff}
.trust-in{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;padding-top:26px;padding-bottom:26px}
.trust-item{display:flex;gap:14px;align-items:flex-start}
.trust-item .t-ico{width:40px;height:40px;flex:none;border-radius:10px;background:var(--navy-tint);display:flex;align-items:center;justify-content:center;font-size:19px}
.trust-item h4{margin:0 0 3px;font-size:15.5px;font-family:var(--sans);font-weight:800}
.trust-item p{margin:0;font-size:14px;color:var(--ink-soft);line-height:1.5}

/* ---------- Sections & cards ---------- */
.section{padding:64px 0 8px}
.section-head{max-width:680px;margin-bottom:30px}
.section-head h2{font-size:34px;margin-bottom:10px}
.section-head p{color:var(--ink-soft);margin:0;font-size:17.5px}
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{display:block;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 1px 2px rgba(20,35,46,.04);transition:transform .15s ease,box-shadow .15s ease;color:var(--ink)}
.card:hover{text-decoration:none;transform:translateY(-3px);box-shadow:var(--shadow)}
.card h3{font-size:20px;margin:14px 0 9px;line-height:1.25}
.card p{margin:0 0 14px;color:var(--ink-soft);font-size:15px;line-height:1.55}
.card-meta{font-size:13px;font-weight:700;color:var(--ember-text);letter-spacing:.02em}

/* ---------- Provinces band ---------- */
.band{background:var(--paper-2);color:var(--ink);margin-top:72px;padding:64px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.band h2{color:var(--navy);font-size:34px;margin-bottom:10px}
.band .band-sub{color:var(--ink-soft);margin:0 0 30px;max-width:640px;font-size:17.5px}
.prov-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.prov{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;color:var(--ink);transition:transform .15s ease,box-shadow .15s ease}
.prov:hover{text-decoration:none;transform:translateY(-2px);box-shadow:var(--shadow)}
.prov .prov-name{font-family:var(--display);font-size:21px;font-weight:800;color:var(--navy)}
.prov .prov-amt{font-size:26px;font-weight:850;color:var(--ember-text);margin:8px 0 2px;font-family:var(--display)}
.prov .prov-prog{font-size:14px;color:var(--ink-soft);margin:0}
.prov .prov-link{font-size:13.5px;font-weight:700;color:var(--navy);margin-top:12px;display:inline-block}

/* ---------- Cost table + steps ---------- */
.cost-table{width:100%;border-collapse:collapse;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;font-size:15.5px}
.cost-table th{background:var(--navy);color:#fff;text-align:left;padding:14px 18px;font-size:13px;letter-spacing:.08em;text-transform:uppercase}
.cost-table td{padding:14px 18px;border-top:1px solid var(--line)}
.cost-table tr td:last-child{font-weight:800;white-space:nowrap}
.table-note{font-size:13.5px;color:var(--ink-soft);margin:12px 0 0}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.step{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.step .step-num{width:38px;height:38px;border-radius:10px;background:var(--ember);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:17px;margin-bottom:14px;font-family:var(--display)}
.step h3{font-size:20px;margin-bottom:8px}
.step p{margin:0;color:var(--ink-soft);font-size:15px;line-height:1.55}

/* ---------- Latest + FAQ ---------- */
.latest-list{display:grid;grid-template-columns:1fr 1fr;gap:18px 34px}
.latest-item{display:flex;gap:16px;padding:16px 0;border-bottom:1px solid var(--line);align-items:baseline}
.latest-item .l-date{font-size:13px;font-weight:800;color:var(--ember-text);white-space:nowrap;letter-spacing:.03em}
.latest-item h3{font-size:18px;line-height:1.3}
.latest-item a{color:var(--ink)}
.latest-item a:hover{color:var(--ember-text);text-decoration:none}
.faq-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.faq{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.faq h3{font-size:18px;margin-bottom:9px;line-height:1.3}
.faq p{margin:0;color:var(--ink-soft);font-size:15px;line-height:1.55}

/* ---------- Article ---------- */
.article{padding-bottom:24px}
.crumbs{font-size:13.5px;color:var(--ink-soft);padding-top:28px;display:flex;gap:8px;flex-wrap:wrap}
.crumbs a{color:var(--ink-soft)}
.crumbs .crumb-here{color:var(--ink);font-weight:650}
.article h1{font-size:41px;letter-spacing:-.015em}
.lede{font-size:20px;color:var(--ink-soft);line-height:1.55;margin:16px 0 0}
.meta-row{display:flex;align-items:center;gap:10px;flex-wrap:wrap;font-size:14px;color:var(--ink-soft);padding:18px 0 22px;border-bottom:1px solid var(--line);margin-bottom:8px}
.meta-row .dot{opacity:.5}
.verified{background:var(--ice);color:#14507A;font-weight:700;font-size:13px;padding:4px 11px;border-radius:6px}
.article-grid{display:grid;grid-template-columns:230px 1fr;gap:44px;align-items:start;padding-top:18px}
.toc{position:sticky;top:24px;font-size:14.5px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px}
.toc-title{font-weight:800;font-size:12.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--ember-text);margin:0 0 10px}
.toc nav ul{list-style:none;margin:0;padding:0}
.toc nav li{margin:7px 0;line-height:1.4}
.toc nav ul ul{padding-left:14px}
.toc a{color:var(--ink-soft)}
.toc a:hover{color:var(--ember-text)}
.prose{max-width:720px;font-size:17.5px;line-height:1.72}
.prose-wide{margin:0 auto}
.prose h2{font-size:28px;margin:38px 0 12px}
.prose h3{font-size:21px;margin:28px 0 10px}
.prose p{margin:0 0 16px}
.prose ul,.prose ol{margin:0 0 16px;padding-left:24px}
.prose li{margin:6px 0}
.prose strong{font-weight:750}
.prose table{width:100%;border-collapse:collapse;margin:20px 0 8px;font-size:15.5px;background:var(--card);border:1px solid var(--line);border-radius:10px;overflow:hidden}
.prose th{background:var(--navy);color:#fff;text-align:left;padding:12px 16px;font-size:13px;letter-spacing:.07em;text-transform:uppercase}
.prose td{padding:12px 16px;border-top:1px solid var(--line);vertical-align:top}
.prose td:last-child{font-weight:700}
.callout{background:var(--ember-tint);border-left:4px solid var(--ember);border-radius:0 12px 12px 0;padding:18px 22px;margin:24px 0}
.callout-title{font-weight:800;font-size:14px;letter-spacing:.06em;text-transform:uppercase;color:var(--ember-text);margin:0 0 6px}
.callout p{margin:0 0 8px}
.callout p:last-child{margin:0}
.sources{border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin:30px 0 6px;background:var(--paper-2);font-size:14.5px}
.sources-title{font-weight:800;font-size:12.5px;letter-spacing:.12em;text-transform:uppercase;margin:0 0 8px;color:var(--ink-soft)}
.sources ul{margin:0;padding-left:20px}
.sources p{margin:0 0 6px}
.trustbox{background:var(--navy-tint);border-radius:12px;padding:22px 26px;margin:34px 0 10px}
.trustbox h3{font-size:19px;margin-bottom:8px}
.trustbox p{margin:0;font-size:15.5px;color:var(--ink);line-height:1.6}
.related{padding:34px 0 30px}
.related h2{font-size:28px;margin-bottom:22px}

/* ---------- List pages ---------- */
.listhead{padding:44px 0 6px}
.listhead h1{font-size:40px}
.list-grid{padding:26px 0 50px}

/* ---------- Footer ---------- */
.sitefoot{background:var(--navy-deep);color:#A9BECB;margin-top:80px}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:36px;padding-top:54px;padding-bottom:40px}
.foot-brand p{font-size:14.5px;line-height:1.6;margin:16px 0 0;max-width:320px}
.foot-col h4{color:#fff;font-size:13px;letter-spacing:.12em;text-transform:uppercase;margin:6px 0 14px;font-family:var(--display)}
.foot-col a{display:block;color:#A9BECB;font-size:15px;margin:9px 0}
.foot-col a:hover{color:#fff}
.foot-base{border-top:1px solid rgba(255,255,255,.14);padding-top:18px;padding-bottom:22px}
.foot-base p{margin:0;font-size:13px;color:#728A99}

/* ---------- Responsive ---------- */
@media (max-width:960px){
  .hero-in{grid-template-columns:1fr;gap:36px;padding-top:44px;padding-bottom:52px}
  .hero h1{font-size:40px}
  .card-grid,.prov-grid,.steps,.faq-grid,.trust-in{grid-template-columns:1fr 1fr}
  .article-grid{grid-template-columns:1fr}
  .toc{position:static}
  .foot-grid{grid-template-columns:1fr 1fr}
  .masthead-tag{display:none}
}
@media (max-width:620px){
  .card-grid,.prov-grid,.steps,.faq-grid,.trust-in,.latest-list,.foot-grid{grid-template-columns:1fr}
  .hero h1{font-size:34px}
  .article h1{font-size:30px}
  .noticebar-in{flex-direction:column;align-items:flex-start;gap:2px}
  .masthead .btn{display:none}
  .stack-total .stack-amt{font-size:26px}
}

/* ---------- Responsive tables (mobile fix, Oct 14) ---------- */
body{overflow-x:clip}
@media (max-width:700px){
  /* Homepage cost table becomes stacked blocks: no sideways scroll */
  .cost-table,.cost-table tbody,.cost-table tr,.cost-table td{display:block;width:100%}
  .cost-table tr:first-child{display:none}
  .cost-table tr{padding:14px 0 12px;border-top:1px solid var(--line)}
  .cost-table tr:nth-child(2){border-top:none}
  .cost-table td{border-top:none;padding:2px 18px;white-space:normal}
  .cost-table td:first-child{font-weight:800;font-size:16.5px}
  .cost-table td:last-child{font-family:var(--display);font-size:19px;font-weight:850;color:var(--ember-text);padding-top:6px;white-space:normal}
  /* Article tables scroll inside their own box, never the page */
  .prose table{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch;max-width:100%}
}

/* Grid children must be allowed to shrink, or wide tables stretch the page (Oct 14) */
.article-grid>*{min-width:0}
.prose{min-width:0}