:root{--ink:#20323c;--navy:#172d3b;--deep:#10222e;--gold:#d6b46c;--cream:#faf7f0;--mist:#e6edf0;--muted:#526573;--line:#cbd6db;--radius:15px;--header-height:96px;font-family:'Segoe UI',Arial,sans-serif;color:var(--ink);background:var(--cream);font-synthesis:none}
*{box-sizing:border-box}html{scroll-padding-top:calc(var(--header-height) + 25px);scroll-behavior:smooth}body{margin:0;font-size:17px;line-height:1.8}a{color:inherit;text-underline-offset:4px}a:hover{color:#75551b}button,summary{font:inherit}button{cursor:pointer}img{max-width:100%;height:auto}h1,h2,h3,p{margin:0}h1,h2,h3{line-height:1.16;letter-spacing:-.038em;text-wrap:balance}h1{font-size:clamp(2.65rem,4.65vw,4.65rem);font-weight:750;overflow-wrap:break-word}h2{font-size:clamp(1.85rem,3vw,2.65rem);font-weight:720}h3{font-size:1.3rem;letter-spacing:-.025em}p{overflow-wrap:break-word}p+p{margin-top:18px}ul,ol{padding-left:24px}li+li{margin-top:8px}:focus-visible{outline:3px solid #a5721e;outline-offset:5px}::selection{background:#ead29e;color:var(--deep)}[hidden]{display:none!important}.wrap{width:min(1200px,calc(100% - 80px));margin-inline:auto}.icon{width:24px;height:24px;flex:none}.section{padding:85px 0;border-bottom:1px solid var(--line)}.bg-white{background:#fff}.bg-cream{background:var(--cream)}.bg-mist{background:var(--mist)}.bg-navy{background:var(--navy);color:#fff;border-bottom-color:#4e626e}.eyebrow{font-size:.75rem;font-weight:750;letter-spacing:.13em;line-height:1.5;text-transform:uppercase;display:flex;gap:12px;align-items:center;margin-bottom:20px;color:#775b24}.eyebrow::before{content:'';width:27px;height:2px;background:var(--gold);flex:none}.lead{font-size:1.1rem;line-height:1.85;color:var(--muted);max-width:730px}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:45px;margin-bottom:38px}.section-heading h2{max-width:730px}.section-heading>p{max-width:330px;font-size:.97rem;color:var(--muted)}.micro{font-size:.78rem;line-height:1.7;color:var(--muted)}.small{font-size:.88rem;color:var(--muted)}.section-intro{max-width:780px;margin:22px 0 32px;color:var(--muted)}
.button{display:inline-flex;align-items:center;justify-content:center;gap:12px;position:relative;isolation:isolate;min-height:51px;padding:14px 22px;border:1px solid transparent;border-radius:7px;font-weight:650;font-size:.92rem;line-height:1.45;text-decoration:none;transition:background-color .18s,color .18s;white-space:normal}.button .icon{width:20px;height:20px}.button-primary{background:var(--gold);color:var(--deep)}.button-primary:hover{background:#e7ca8c;color:var(--deep)}.button-dark{background:var(--navy);color:white}.button-dark:hover{background:#2c4d60;color:#fff}.button-outline{border-color:#ffffff60;background:#ffffff08;color:#fff}.button-outline:hover{background:#ffffff1a;color:#fff}.button-row{display:flex;flex-wrap:wrap;align-items:center;gap:15px}.text-link{display:inline-flex;gap:10px;align-items:center;font-size:.93rem;font-weight:650;text-decoration:none;border-bottom:1px solid currentColor;padding-bottom:2px}.text-link .icon{width:18px;height:18px}.skip-link{position:fixed;top:-120px;left:20px;z-index:100;background:var(--gold);color:var(--deep);padding:12px 22px}.skip-link:focus{top:10px}
.site-header{position:sticky;top:0;z-index:50;background:var(--cream);border-bottom:1px solid var(--line)}.header-inner{min-height:96px;display:flex;justify-content:space-between;align-items:center;gap:28px}.brand{display:inline-flex;flex-shrink:0;text-decoration:none}.brand-image{width:213px;height:auto;max-height:69px;object-fit:contain}.site-nav{display:flex;align-items:center;gap:25px;font-size:.82rem;font-weight:650;line-height:1.5}.nav-link{padding:20px 0;text-decoration:none}.nav-link[aria-current],.current-group>summary{box-shadow:inset 0 -2px var(--gold)}.nav-dropdown{position:relative}.nav-dropdown>summary{display:flex;gap:6px;align-items:center;cursor:pointer;list-style:none;padding:22px 0;white-space:nowrap}.nav-dropdown>summary::-webkit-details-marker{display:none}.nav-dropdown>summary .icon{width:14px;height:14px}.dropdown-panel{position:absolute;top:100%;left:-18px;width:298px;border:1px solid var(--line);border-radius:12px;padding:12px;background:#fff;box-shadow:0 16px 40px #172d3b1c;max-height:calc(100dvh - var(--header-height) - 30px);overflow-y:auto}.dropdown-panel a{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:11px 12px;border-radius:6px;text-decoration:none;font-size:.85rem;line-height:1.5}.dropdown-panel a:hover,.dropdown-panel a[aria-current]{background:var(--mist);color:var(--navy)}.dropdown-panel .icon{width:16px;height:16px}.header-cta{min-height:45px;font-size:.8rem;padding:12px 16px}.menu-toggle{display:none}.nav-ready .site-header{position:fixed;left:0;right:0;top:0}.nav-ready body{padding-top:var(--header-height)}.menu-close-icon{display:none}
.home-hero{position:relative;isolation:isolate;overflow:hidden;color:#fff;background:var(--deep);border-bottom:1px solid #4e626e;min-height:680px}.hero-backdrop{position:absolute;inset:0;z-index:-1}.hero-backdrop img{display:block;width:100%;height:100%;object-fit:cover;object-position:center 42%}.hero-backdrop::after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,#10222ef7 0%,#10222ee8 31%,#10222e91 57%,#10222e06 100%)}.hero-content{padding-top:86px;padding-bottom:83px}.hero-content h1{max-width:750px;line-height:1.05;letter-spacing:-.045em}.hero-content h1 span{display:block;color:#e7c98e;margin-top:6px}.hero-content .eyebrow{color:#e0c995}.hero-content .lead{margin-top:27px;color:#e2e9ed;max-width:575px;font-size:1.08rem}.hero-content .button-row{margin-top:30px}.hero-facts{display:flex;flex-wrap:wrap;gap:27px;margin-top:41px;font-size:.8rem;color:#e4ecf1}.hero-facts span{display:flex;gap:9px;align-items:center}.hero-facts .icon{width:19px;height:19px;color:var(--gold)}.ai-label{position:absolute;right:12px;bottom:12px;width:22px;height:22px;border-radius:50%;background:#ffffffeb;line-height:1;box-shadow:0 1px 4px #10222e17;color:#404c54;z-index:2}.ai-label svg{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);display:block;width:12px;height:10px;margin:0;fill:currentColor}.home-hero>.ai-label{right:18px;bottom:18px}
.wayfinder{padding:34px 0;border-bottom:1px solid var(--line);background:var(--cream)}.wayfinder-grid{display:grid;grid-template-columns:.85fr repeat(3,1fr);align-items:stretch;gap:0}.wayfinder-intro{align-self:center;padding-right:28px}.wayfinder-intro h2{font-size:1.2rem;letter-spacing:-.02em}.wayfinder-intro p{font-size:.83rem;color:var(--muted);margin-top:8px}.situation{display:flex;align-items:center;gap:15px;padding:16px 23px;border-left:1px solid var(--line);text-decoration:none;font-size:.94rem;font-weight:650;line-height:1.45;border-radius:0}.situation>.icon{color:#917135}.situation span{flex:1}.situation .arrow-small{width:17px;color:var(--navy)}.situation:hover{background:#eee7d8;color:var(--navy)}
.split-section{display:grid;grid-template-columns:1fr 1fr;grid-template-areas:'title image' 'copy image';gap:0 70px;align-items:start}.split-title{grid-area:title}.split-image{grid-area:image;position:relative;border-radius:var(--radius);overflow:hidden;align-self:center;background:var(--mist)}.split-image img{display:block;width:100%;height:auto}.split-copy{grid-area:copy}.split-copy>p{margin-top:22px;color:var(--muted)}.split-copy .button-row{margin-top:26px}.split-reverse{grid-template-areas:'image title' 'image copy'}.check-list{padding:0;list-style:none;margin:24px 0}.check-list li{display:flex;align-items:start;gap:11px;font-size:.98rem;color:var(--ink)}.check-list .icon{width:20px;height:20px;color:#917135;margin-top:5px}.steps{padding:0;margin:26px 0;list-style:none;counter-reset:steps}.steps li{position:relative;padding:0 0 20px 49px;margin-bottom:20px;border-bottom:1px solid var(--line);counter-increment:steps}.steps li::before{content:counter(steps,decimal-leading-zero);position:absolute;left:0;top:0;font-weight:700;font-size:1.15rem;color:#917135}.steps p{font-size:.94rem;color:var(--muted);margin-top:5px}.steps strong{font-size:1rem}.steps li:last-child{margin-bottom:0}
.amount-layout{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:center}.amount-box{background:var(--navy);color:#fff;border-radius:var(--radius);padding:45px}.amount-box .eyebrow{color:#e6cf9c}.amount-value{font-size:clamp(3.5rem,6vw,5.7rem);font-weight:750;line-height:1;letter-spacing:-.055em;color:#edd39c}.amount-value span{font-size:.42em;letter-spacing:-.03em}.amount-box>p{color:#dce5ea;margin-top:21px;font-size:.93rem}.amount-box .amount-date{font-size:.76rem;border-top:1px solid #ffffff2e;padding-top:23px;margin-top:24px}.amount-copy>p{margin-top:23px;color:var(--muted)}.amount-copy .text-link{margin-top:24px}.comparison-grid{display:grid;grid-template-columns:1fr 1fr;gap:27px}.info-card{border:1px solid var(--line);border-radius:var(--radius);padding:35px;background:#fff;display:flex;flex-direction:column;align-items:start}.info-card>.icon{color:#977336;width:32px;height:32px;margin-bottom:23px}.info-card h3{font-size:1.65rem}.info-card p{color:var(--muted);margin-top:18px;font-size:.98rem}.info-card .text-link{margin-top:auto;padding-top:25px}.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:25px}.guide-card{display:flex;flex-direction:column;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:border-color .18s,background-color .18s}.guide-card:hover{border-color:#7c98a7;color:var(--navy);background:#fcfcfa}.card-picture{position:relative;overflow:hidden;aspect-ratio:1.65;background:var(--mist)}.card-picture img{display:block;width:100%;height:100%;object-fit:cover}.card-copy{padding:28px;display:flex;flex:1;flex-direction:column}.card-copy h3{font-size:1.4rem}.card-copy p{color:var(--muted);font-size:.93rem;margin:16px 0 24px;line-height:1.7}.card-link{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:auto;font-size:.85rem;font-weight:650}.card-link .icon{width:19px;height:19px}
.faq-layout{display:grid;grid-template-columns:.75fr 1.25fr;gap:80px;align-items:start}.faq-intro p{margin-top:22px;color:var(--muted)}.faq-item{border-bottom:1px solid var(--line)}.faq-item:first-child{border-top:1px solid var(--line)}.faq-item summary{display:flex;align-items:center;justify-content:space-between;gap:22px;padding:23px 2px;list-style:none;cursor:pointer;font-size:1rem;font-weight:650;line-height:1.5}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary>.icon{width:20px;height:20px;transition:transform .24s}.faq-item[open] summary>.icon{transform:rotate(180deg)}.faq-answer{font-size:.96rem;color:var(--muted);line-height:1.8}.faq-answer>div{padding:0 28px 25px 2px}.faq-answer a{color:#315e76}.cta-content{display:flex;align-items:center;justify-content:space-between;gap:55px}.cta-content h2{max-width:740px}.cta-content p{max-width:680px;margin-top:20px;color:#d8e2e8}.cta-content>.button{flex-shrink:0}
.page-hero{background:var(--mist);border-bottom:1px solid var(--line);padding:34px 0 60px}.breadcrumbs{display:flex;flex-wrap:wrap;align-items:center;gap:10px;font-size:.77rem;color:var(--muted);margin-bottom:33px;line-height:1.6}.breadcrumbs a{text-decoration:none}.breadcrumbs .icon{width:13px;height:13px;transform:rotate(-90deg)}.detail-hero{display:grid;grid-template-columns:1.05fr .95fr;grid-template-areas:'title photo' 'lead photo' 'action photo' 'meta photo';gap:0 60px;align-content:center}.detail-title{grid-area:title}.detail-title h1{font-size:clamp(2.25rem,3.8vw,3.55rem)}.detail-photo{grid-area:photo;position:relative;align-self:center;border-radius:var(--radius);overflow:hidden}.detail-photo img{display:block;width:100%;height:auto}.detail-hero>.lead{grid-area:lead;margin-top:22px;font-size:1.03rem}.detail-actions{grid-area:action;margin-top:24px}.article-meta{grid-area:meta;margin-top:21px;font-size:.76rem;color:var(--muted);display:flex;gap:16px;flex-wrap:wrap}.plain-hero h1{max-width:940px;font-size:clamp(2.3rem,4vw,3.7rem)}.plain-hero .lead{margin-top:24px}.plain-hero .button-row{margin-top:26px}.article-wrap{width:min(940px,calc(100% - 80px));margin-inline:auto}.article-section{padding:64px 0}.article-section h2{font-size:clamp(1.8rem,2.8vw,2.35rem);margin-bottom:26px}.rich-copy{max-width:800px}.rich-copy p,.rich-copy li{color:#3d5361}.rich-copy h3{font-size:1.28rem;margin:28px 0 14px}.rich-copy a{color:#315e76}.rich-copy strong{color:var(--ink)}.article-top{display:grid;grid-template-columns:1.1fr .9fr;gap:45px}.quick-facts h2,.toc h2{font-size:1.3rem;margin-bottom:20px}.quick-facts ul{padding-left:22px;margin:0}.quick-facts li{font-size:.96rem;color:#3d5361}.toc{background:var(--cream);padding:27px 30px;border:1px solid var(--line);border-radius:12px}.toc ol{font-size:.87rem;line-height:1.55;margin:0;padding-left:20px}.toc li+li{margin-top:10px}.toc a{text-decoration:none}.toc a:hover{text-decoration:underline}.note{padding:24px 27px;border-left:3px solid #b89450;background:#eee7d8;border-radius:0 10px 10px 0;margin:28px 0;font-size:.94rem}.note p+p{margin-top:12px}.table-cards{display:none}.table-scroll{overflow-x:auto;margin:27px 0;border:1px solid #bccbd2;border-radius:10px;max-width:100%}table{width:100%;border-collapse:collapse;font-size:.93rem;text-align:left;background:#fff}caption{text-align:left;padding:16px 19px;font-weight:650;background:#d8e3e8;color:var(--navy)}th,td{padding:15px 19px;vertical-align:top;border-bottom:1px solid #d4dfe3}thead th{background:var(--navy);color:#fff;font-weight:650}tbody th{font-weight:600}tbody tr:nth-child(even){background:#f1f5f6}tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}.source-block h2{font-size:1.45rem;margin-bottom:18px}.source-block p{font-size:.84rem;color:var(--muted);max-width:850px}.source-block ul{padding-left:19px;margin:18px 0 0;font-size:.83rem;line-height:1.6}.source-block a{overflow-wrap:anywhere}.source-block .icon{width:13px;height:13px;margin-left:7px;vertical-align:middle}.legal-content{width:min(940px,calc(100% - 80px));margin-inline:auto}.legal-content>div+div{margin-top:45px;padding-top:42px;border-top:1px solid var(--line)}.legal-content h2{font-size:1.55rem;margin-bottom:20px}.legal-content p,.legal-content li{color:#3d5361;font-size:.97rem}.legal-content address{font-style:normal;margin:18px 0}.legal-line{display:flex;align-items:center;gap:13px;margin-top:12px!important}.legal-content a{overflow-wrap:anywhere}.legal-hero .wrap{width:min(940px,calc(100% - 80px))}.error-hero{min-height:480px;padding:85px 0}.error-hero h1{max-width:800px}.error-hero .lead{margin-top:25px}.error-hero .button-row{margin-top:30px}
.site-footer{background:var(--cream);padding:65px 0 0}.footer-grid{display:grid;grid-template-columns:1.1fr 1fr 1.15fr;gap:60px}.footer-brand img{width:215px;height:auto}.footer-brand>p{margin-top:22px;font-size:.91rem;line-height:1.8;color:var(--muted)}.footer-brand>p.micro{font-size:.76rem}.site-footer h2{font-size:.94rem;font-weight:750;letter-spacing:-.01em;margin-bottom:21px}.site-footer ul{padding:0;list-style:none;margin:0;font-size:.84rem;line-height:1.8}.site-footer li+li{margin-top:11px}.site-footer a{text-decoration:none}.site-footer a:hover{text-decoration:underline}.footer-contact{display:flex;align-items:start;gap:10px;font-size:.79rem;line-height:1.75;margin-top:13px}.footer-contact .icon{width:18px;height:18px;margin-top:2px;color:#8f6f32}.footer-contact+.micro{margin-top:19px;font-size:.72rem}.footer-bottom{margin-top:52px;border-top:1px solid var(--line);padding-block:23px;display:flex;justify-content:space-between;gap:25px;font-size:.77rem;color:var(--muted)}.footer-bottom>div{display:flex;gap:24px}
.reveal-armed{opacity:0;transform:translateY(12px);transition:opacity .5s ease-out,transform .5s ease-out}.reveal-visible{opacity:1;transform:none}.motion-ready .header-cta::after{content:'';position:absolute;inset:0;border-radius:inherit;pointer-events:none;background:linear-gradient(110deg,transparent 30%,#ffffff00 38%,#ffffff58 48%,#ffffff00 58%,transparent 65%);background-size:300% 100%;animation:header-shimmer 6s linear infinite;z-index:-1}.motion-ready .site-nav[hidden] .header-cta::after{animation-play-state:paused}@keyframes header-shimmer{0%,75%{background-position:160% 0}92%,100%{background-position:-65% 0}}
@property --border-angle{syntax:'<angle>';initial-value:0deg;inherits:false}@supports (mask-composite:exclude){.motion-ready .hero-cta::before{content:'';position:absolute;inset:-1px;border-radius:inherit;padding:1.5px;background:conic-gradient(from var(--border-angle),transparent 0deg,transparent 250deg,#fff3c444 300deg,#fff8df 338deg,transparent 359deg);mask:linear-gradient(#fff 0 0) content-box,linear-gradient(#fff 0 0);mask-composite:exclude;pointer-events:none;animation:border-light 5s linear infinite}}@keyframes border-light{to{--border-angle:360deg}}
@media(min-width:1281px){.site-nav[hidden]{display:flex!important}}
@media(max-width:1280px){:root{--header-height:88px}.header-inner{min-height:88px;flex-wrap:wrap;gap:0}.brand-image{width:205px}.nav-ready .menu-toggle{display:grid;place-items:center;background:none;border:1px solid var(--line);border-radius:7px;width:44px;height:44px;color:var(--navy)}.menu-toggle .icon{display:block;width:23px;height:23px}.menu-toggle[aria-expanded=true] .menu-open-icon{display:none}.menu-toggle[aria-expanded=true] .menu-close-icon{display:block}.site-nav{width:100%;display:flex;flex-direction:column;align-items:stretch;gap:0;padding:8px 0 24px;max-height:calc(100dvh - 88px);overflow:auto}.nav-ready .site-nav{position:absolute;top:100%;left:0;background:var(--cream);padding:10px 40px 24px;border-bottom:1px solid var(--line);box-shadow:0 15px 25px #10222e12}.nav-dropdown>summary,.nav-link{padding:15px 0;border-bottom:1px solid var(--line);box-shadow:none!important}.nav-dropdown>summary{justify-content:space-between}.dropdown-panel{position:static;width:100%;border:0;box-shadow:none;border-radius:0;background:#fff8;padding:5px 0 10px;max-height:none}.dropdown-panel a{padding:11px 12px}.site-nav .header-cta{align-self:start;margin-top:20px}.header-cta::after{animation:none}}
@media(max-width:1100px){.home-hero{min-height:630px}.hero-content{padding-block:77px}.hero-content h1{max-width:660px}.hero-content .lead{max-width:525px}.split-section{gap:0 38px}.amount-layout{gap:40px}.wayfinder-grid{grid-template-columns:repeat(3,1fr)}.wayfinder-intro{grid-column:1/-1;margin-bottom:20px;padding:0}.wayfinder-intro p{display:none}.situation{padding:14px 20px}.situation:nth-child(2){border-left:0;padding-left:0}.guide-grid{gap:18px}.card-copy{padding:22px}.faq-layout{gap:45px}.footer-grid{grid-template-columns:1fr 1fr;gap:36px 55px}.footer-brand{grid-column:1/-1}.detail-hero{gap:0 35px}.detail-title h1{font-size:2.6rem}.cta-content{gap:32px;align-items:start;flex-direction:column}.article-top{gap:32px}}
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