:root{
  --green-deep:#0a1f44;--green-dk:#10295a;--green:#1e4fa3;--green-d:#173f86;
  --mint:#c8102e;--mint-d:#a60d26;--green-l:#eaf0fa;
  --ink:#15202e;--muted:#566372;--line:#e0e7ef;--bg:#f5f8fc;--ok:#1e4fa3;
  --shadow:0 1px 3px rgba(10,31,68,.08),0 6px 18px rgba(10,31,68,.07);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
img{max-width:100%}
a{color:var(--green);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{line-height:1.22;color:var(--green-deep);margin:0 0 .5em;font-weight:800;letter-spacing:-.01em}
h1{font-size:2.1rem}h2{font-size:1.45rem;margin-top:1.6em}h3{font-size:1.12rem}
p{margin:0 0 1.05em}
ul,ol{margin:0 0 1.1em;padding-left:1.25em}li{margin:.3em 0}
.muted{color:var(--muted)}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
main{display:block;padding:8px 0 10px}
.container{max-width:820px;margin:0 auto;padding:28px 20px 8px}
.container.wide{max-width:1140px}
/* header */
header.top{background:var(--green-deep);color:#fff;position:sticky;top:0;z-index:60;box-shadow:0 2px 10px rgba(10,31,68,.22)}
header.top .bar{display:flex;align-items:center;gap:16px;height:64px;max-width:1120px;margin:0 auto;padding:0 20px}
.brand{display:inline-block;flex:0 0 auto;width:172px;height:46px;background:#fff url('https://www.fharateguide.com/LTI-2864/assets/logo-fha.7653e582.png') center/148px auto no-repeat;border-radius:9px;font-size:0;color:transparent;box-shadow:0 1px 4px rgba(0,0,0,.12)}
.brand .mark{display:none}
nav.main{margin-left:auto;display:flex;gap:20px;align-items:center}
nav.main a{color:#d4e2f2;font-size:.92rem;font-weight:600}
nav.main a:hover,nav.main a[aria-current=page]{color:#fff;text-decoration:none}
.btn{display:inline-block;background:var(--mint);color:#fff;font-weight:800;padding:11px 18px;border-radius:9px;border:0;cursor:pointer;font-size:.95rem;transition:background .15s,transform .15s;box-shadow:0 2px 6px rgba(198,16,46,.35)}
.btn:hover{background:var(--mint-d);text-decoration:none;color:var(--green-deep);transform:translateY(-1px)}
.btn.sm{padding:9px 15px;font-size:.85rem}
.btn.block{display:block;text-align:center;width:100%}
.navtoggle{display:none}
.hamburger{display:none;margin-left:auto;cursor:pointer;color:#fff;font-size:1.5rem;line-height:1;padding:6px 8px;border-radius:8px;border:1px solid rgba(255,255,255,.25)}
.header-cta{display:inline-block}
/* hero */
.hero{background:linear-gradient(150deg,rgba(10,31,68,.42),rgba(20,83,45,.30)),url('https://www.fharateguide.com/LTI-2864/assets/hero_bg_desktop.55f8f7ee.png') center/cover no-repeat;background-color:var(--green-deep);color:#fff;border-radius:18px;padding:46px 40px;box-shadow:var(--shadow);position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-80px;top:-80px;width:280px;height:280px;background:radial-gradient(circle,rgba(198,16,46,.3),transparent 70%);pointer-events:none}
.hero h1{color:#fff;font-size:2.5rem;max-width:20ch;margin-bottom:.35em;text-shadow:0 2px 14px rgba(0,0,0,.4)}
.hero p.lede{font-size:1.18rem;color:#f1f8f4;max-width:58ch;text-shadow:0 1px 10px rgba(0,0,0,.4)}
.pills{display:flex;gap:9px;flex-wrap:wrap;margin:18px 0}
.pill{background:rgba(255,255,255,.10);border:1.5px solid var(--mint);padding:6px 13px;border-radius:999px;font-size:.84rem;color:#eefaf3}
/* grids + cards */
.grid{display:grid;gap:18px}
.cols-2{grid-template-columns:repeat(2,1fr)}
.cols-3{grid-template-columns:repeat(3,1fr)}
.cols-4{grid-template-columns:repeat(4,1fr)}
.card{border:1px solid var(--line);border-radius:14px;padding:20px;background:#fff;box-shadow:var(--shadow);transition:transform .15s,box-shadow .15s}
a.card{display:block;color:inherit}
a.card:hover{text-decoration:none;transform:translateY(-2px);box-shadow:0 4px 10px rgba(10,31,68,.1),0 12px 28px rgba(10,31,68,.1)}
a.card h3{color:var(--green)}
.card h3{margin-top:0;margin-bottom:.35em}
.card p{margin:0;color:var(--muted);font-size:.95rem}
.kpi{background:var(--green-l);border:1px solid #cdddf2;border-radius:14px;padding:16px}
.kpi .n{font-size:1.6rem;font-weight:800;color:var(--green-deep)}
.kpi .l{font-size:.78rem;color:var(--muted);text-transform:uppercase;letter-spacing:.5px}
/* tables */
.tablewrap{overflow-x:auto;margin:0 0 1.3em;border:1px solid var(--line);border-radius:12px}
table{width:100%;border-collapse:collapse;font-size:.96rem;background:#fff}
.tablewrap table{margin:0}
th,td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line)}
th{background:#eef3fb;color:var(--green-deep);font-size:.78rem;text-transform:uppercase;letter-spacing:.4px;font-weight:700}
tbody tr:last-child td{border-bottom:0}
tbody tr:hover{background:#f7faff}
/* misc */
.breadcrumb{font-size:.82rem;color:var(--muted);margin:0 0 16px}
.breadcrumb a{color:var(--muted)}
.tag{display:inline-block;background:var(--green-l);color:var(--green-d);font-size:.7rem;font-weight:800;padding:4px 10px;border-radius:6px;text-transform:uppercase;letter-spacing:.5px;margin-bottom:10px}
.lede{font-size:1.12rem}
.callout{background:#eef3fb;border:1px solid #cdddf2;border-left:4px solid var(--mint);border-radius:10px;padding:15px 18px;margin:1.3em 0}
.callout p{margin:0}
.faq dl{margin:0}
.faq dt{font-weight:700;color:var(--green-deep);margin-top:16px}
.faq dd{margin:5px 0 0;color:var(--ink)}
.related{display:flex;flex-wrap:wrap;gap:9px;margin-top:6px}
.related a{background:#fff;border:1.5px solid var(--mint);padding:8px 13px;border-radius:999px;font-size:.86rem;box-shadow:var(--shadow)}
.related a:hover{text-decoration:none;border-color:var(--mint);color:var(--green-d)}
.section{margin-top:6px}
/* signup CTA band */
.cta-band{background:linear-gradient(135deg,var(--green),var(--green-deep));color:#fff;border-radius:16px;padding:24px 26px;margin:30px 0;box-shadow:var(--shadow)}
.cta-band h2{color:#fff;margin-top:0}
.cta-band p{color:#dcf1e6;margin-bottom:0}
.signup{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px}
.signup input{flex:1 1 160px;min-width:0;padding:12px 14px;border-radius:9px;border:1px solid #c3d6ef;font-size:1rem}
.signup .btn{flex:0 0 auto}
.fineprint{font-size:.72rem;color:#bfe0cd;margin-top:11px;max-width:78ch}
/* footer */
footer.bot{background:var(--green-deep);color:#cfddee;margin-top:48px;padding:38px 0 26px}
footer.bot a{color:#cfddee}footer.bot a:hover{color:#fff}
footer.bot .cols{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.3fr;gap:26px}
footer.bot h4{color:#fff;font-size:.8rem;text-transform:uppercase;letter-spacing:.6px;margin:0 0 12px}
footer.bot ul{list-style:none;padding:0;margin:0;font-size:.92rem}
footer.bot li{margin:0 0 8px}
.updated{font-size:.78rem;color:#9fb4cf}
.legalbar{border-top:1px solid #1d3a5e;margin-top:24px;padding-top:16px;font-size:.78rem;color:#9fb4cf;display:flex;gap:14px;flex-wrap:wrap;justify-content:space-between}
.disclaimer{font-size:.74rem;color:#8fa3bd;margin-top:10px;line-height:1.55}
/* responsive */
@media(max-width:860px){
  .cols-3,.cols-4{grid-template-columns:1fr 1fr}
  .hamburger{display:block}
  nav.main{display:none;position:absolute;top:64px;left:0;right:0;background:var(--green-dk);flex-direction:column;align-items:stretch;gap:0;padding:8px 0;box-shadow:0 8px 20px rgba(10,31,68,.3)}
  nav.main a{padding:13px 22px;border-bottom:1px solid rgba(255,255,255,.08)}
  .navtoggle:checked ~ nav.main{display:flex}
  .header-cta{display:none}
  .hero{padding:34px 24px;border-radius:14px}
  .hero h1{font-size:1.9rem}
  .hero p.lede{font-size:1.05rem}
}
@media(max-width:600px){
  body{font-size:16px}
  .brand{width:150px;height:42px;background-size:128px auto}
  h1{font-size:1.65rem}h2{font-size:1.3rem}
  .cols-2,.cols-3,.cols-4{grid-template-columns:1fr}
  .container{padding:20px 16px 8px}
  .signup .btn{flex:1 1 100%}
  footer.bot .cols{grid-template-columns:1fr 1fr}
}

.brand{display:flex;align-items:center;gap:10px}
.brandlogo{height:38px;width:auto;display:block;background:#fff;padding:4px 9px;border-radius:8px;box-shadow:0 1px 4px rgba(0,0,0,.18)}