@font-face{font-family:General Sans;src:url(/fonts/GeneralSans-Variable.woff2)format("woff2");font-weight:200 700;font-style:normal;font-display:swap}:root{--navy:#0b2a69;--navy-dark:#0d1f45;--blue:#527edb;--blue-light:#a9bfef;--cream:#f6f3ed;--ink:var(--navy-dark);--muted:#4a5873;--link:#3560c4;--brand:var(--navy);--accent-soft:#e9effc;--bg:#fff;--surface:var(--cream);--border:#dfe3ec;--ok:#067647;--warn:#b54708;--required:#cd3c14;--radius:16px;--max:1160px;--text:1.0625rem;--font:"General Sans", system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;--shadow:0 1px 2px #0d1f450f, 0 8px 24px #0d1f450f}*,:before,:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-padding-top:5.5rem}body{font-family:var(--font);font-size:var(--text);color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased;margin:0;line-height:1.6}img,svg{max-width:100%}a{color:var(--link);text-underline-offset:3px;text-decoration-thickness:1px}a:hover{color:var(--navy)}:focus-visible{outline:3px solid var(--blue);outline-offset:2px;border-radius:4px}h1,h2,h3{color:var(--navy-dark);letter-spacing:-.02em;text-wrap:balance;font-weight:600;line-height:1.15}h1{margin:0 0 1rem;font-size:clamp(2.1rem,5vw,3.4rem)}h2{margin:2.75rem 0 1rem;font-size:clamp(1.55rem,3vw,2.1rem)}h3{letter-spacing:-.01em;margin:1.75rem 0 .5rem;font-size:1.2rem}p,ul,ol{margin:0 0 1rem}li+li{margin-top:.3rem}strong{font-weight:600}table{border-collapse:collapse;width:100%;margin:0 0 1.5rem;font-size:.97rem}th,td{text-align:left;border-bottom:1px solid var(--border);vertical-align:top;padding:.7rem .85rem}th{background:var(--cream);color:var(--navy-dark);font-weight:600}.table-wrap{border:1px solid var(--border);border-radius:12px;margin:0 0 1.5rem;overflow-x:auto}.table-wrap table{margin:0}.table-wrap tr:last-child td{border-bottom:0}@media (width<=640px){.table-wrap:has(.table-stack){border:0;overflow:visible}.table-stack thead{clip:rect(0 0 0 0);width:1px;height:1px;position:absolute;overflow:hidden}.table-stack,.table-stack tbody,.table-stack tr,.table-stack td{display:block}.table-stack tr{border:1px solid var(--border);border-radius:12px;margin-bottom:.75rem;padding:.5rem 0}.table-stack td{border:0;padding:.35rem 1rem}.table-stack td:before{content:attr(data-label);letter-spacing:.04em;text-transform:uppercase;color:var(--muted);font-size:.8rem;font-weight:600;display:block}}.container{width:100%;max-width:var(--max);margin:0 auto;padding:0 1.25rem}.prose{max-width:46rem}.container.prose{max-width:var(--max)}.container.prose>*{max-width:46rem}.section{padding:4rem 0}.section>.container>h2:first-child,.section>.container>.section-head:first-child h2{margin-top:0}.section--tint{background:var(--cream)}.section-head{max-width:44rem;margin-bottom:2rem}.section-head p{color:var(--muted)}.grid{gap:1.25rem;display:grid}@media (width>=760px){.grid--2{grid-template-columns:repeat(2,1fr)}.grid--3{grid-template-columns:repeat(3,1fr)}}.lead{color:var(--muted);max-width:44rem;font-size:clamp(1.1rem,2vw,1.25rem)}.eyebrow{letter-spacing:.06em;text-transform:uppercase;color:var(--link);align-items:center;gap:.5rem;margin-bottom:.75rem;font-size:.85rem;font-weight:600;display:inline-flex}.eyebrow:before{content:"";background:var(--blue);border-radius:2px;width:1.5rem;height:3px}.muted{color:var(--muted)}.small{font-size:.9rem}.skip-link{z-index:100;background:var(--navy-dark);color:#fff;border-radius:8px;padding:.6rem 1rem;position:absolute;top:.5rem;left:-999px}.skip-link:focus{left:.5rem}.site-header{z-index:50;border-bottom:1px solid var(--border);backdrop-filter:saturate(150%)blur(8px);background:#fffffff5;position:sticky;top:0}.site-header__inner{align-items:center;gap:1rem;min-height:4.5rem;display:flex}.brand{color:var(--navy);align-items:center;gap:.75rem;margin-right:auto;text-decoration:none;display:inline-flex}.brand:hover{color:var(--navy)}.brand__logo{width:auto;height:32px;display:block}.brand__tag{border-left:2px solid var(--border);color:var(--muted);padding-left:.75rem;font-size:.95rem;font-weight:600;line-height:1.2}.nav{align-items:center;gap:.15rem;display:flex}.nav a{color:var(--ink);border-radius:8px;padding:.5rem .75rem;font-weight:500;text-decoration:none}.nav a:hover,.nav a[aria-current=page]{background:var(--accent-soft);color:var(--navy)}.nav a.nav__cta,.nav a.nav__cta:hover{color:#fff;background:var(--navy);margin-left:.5rem;padding:.45rem 1.1rem}.nav a.nav__cta:hover{background:var(--navy-dark)}.site-header .header-cta,.site-header .nav-toggle{display:none}@media (width<=900px){.site-header .header-cta{display:inline-flex}.site-header .nav-toggle{border:1px solid var(--border);min-height:44px;font:inherit;color:var(--navy-dark);cursor:pointer;background:#fff;border-radius:10px;align-items:center;padding:0 .9rem;font-weight:600;display:inline-flex}.nav{border-bottom:1px solid var(--border);box-shadow:var(--shadow);background:#fff;flex-direction:column;align-items:stretch;padding:.75rem 1.25rem 1.25rem;display:none;position:absolute;top:100%;left:0;right:0}.nav[data-open=true]{display:flex}.nav a{padding:.85rem .75rem}.nav a.nav__cta{display:none}}@media (width<=420px){.brand__logo{height:26px}.brand__tag{display:none}}.btn{border:2px solid var(--navy);background:var(--navy);color:#fff;min-height:48px;font:inherit;cursor:pointer;border-radius:999px;justify-content:center;align-items:center;gap:.4rem;padding:.7rem 1.5rem;font-weight:600;text-decoration:none;transition:background-color .15s,border-color .15s,color .15s;display:inline-flex}.btn:hover{background:var(--navy-dark);border-color:var(--navy-dark);color:#fff}.btn--ghost{color:var(--navy);background:0 0}.btn--ghost:hover{background:var(--accent-soft);color:var(--navy-dark)}.btn--light{background:var(--cream);border-color:var(--cream);color:var(--navy-dark)}.btn--light:hover{color:var(--navy-dark);background:#fff;border-color:#fff}.btn--small{min-height:40px;padding:.4rem 1.1rem}.actions{flex-wrap:wrap;gap:.75rem;margin:1.75rem 0;display:flex}.hero{background:radial-gradient(60rem 30rem at 100% 0%, var(--accent-soft) 0%, transparent 60%), linear-gradient(180deg, #fff 0%, var(--cream) 100%);border-bottom:1px solid var(--border);padding:4.5rem 0 4rem}.hero__grid{align-items:center;gap:2.5rem;display:grid}@media (width<=640px){.hero{padding:2.5rem 0 3rem}.section{padding:3rem 0}}@media (width>=960px){.hero__grid{grid-template-columns:1.35fr 1fr;gap:4rem}}.hero__facts{color:var(--muted);flex-wrap:wrap;gap:.5rem 1.5rem;margin:0;padding:0;font-weight:500;list-style:none;display:flex}.hero__facts li{margin:0}.hero__facts li:before{content:"✓ ";color:var(--ok);font-weight:700}.panel{background:var(--navy-dark);color:var(--cream);border-radius:24px;padding:2rem;position:relative;overflow:hidden;box-shadow:0 20px 50px #0d1f4540}.panel:after{content:"";background:var(--navy);border-radius:50%;width:14rem;height:14rem;position:absolute;top:-5rem;right:-5rem}.panel>*{z-index:1;position:relative}.panel h2{color:#fff;letter-spacing:0;margin:0 0 1.25rem;font-size:1.15rem}.stats{grid-template-columns:repeat(2,1fr);gap:1.5rem 1.25rem;margin:0;display:grid}.stats div{border-top:2px solid #a9bfef59;padding-top:.75rem}.stats dt{color:#fff;letter-spacing:-.02em;font-size:1.6rem;font-weight:600;line-height:1.1}.stats dd{color:var(--blue-light);margin:.35rem 0 0;font-size:.95rem;line-height:1.4}.panel__foot{color:var(--blue-light);margin:1.5rem 0 0;font-size:.95rem}.panel__foot a{color:#fff}.card{border:1px solid var(--border);border-radius:var(--radius);background:#fff;flex-direction:column;padding:1.75rem;display:flex}.card h3{margin-top:0}.card>:last-child{margin-bottom:0}a.card{color:inherit;text-decoration:none;transition:border-color .15s,box-shadow .15s,transform .15s}a.card:hover{border-color:var(--blue);box-shadow:var(--shadow);transform:translateY(-2px)}.card__link{color:var(--link);margin-top:auto;padding-top:.75rem;font-weight:600}a.card:hover .card__link{color:var(--navy)}.card__icon{background:var(--accent-soft);width:2.75rem;height:2.75rem;color:var(--navy);border-radius:12px;place-items:center;margin-bottom:1rem;display:grid}.card__icon svg{width:1.4rem;height:1.4rem}.card__meta{color:var(--muted);flex-wrap:wrap;align-items:center;gap:.4rem 1rem;margin-bottom:.75rem;font-size:.95rem;display:flex}.badge{background:var(--accent-soft);color:var(--navy);border-radius:999px;padding:.15rem .6rem;font-size:.8rem;font-weight:600;display:inline-block}.badge--warn{color:var(--warn);background:#fef0c7}.pay{color:var(--navy-dark);font-size:1.1rem;font-weight:600}.callout{border-left:4px solid var(--blue);background:var(--cream);border-radius:0 12px 12px 0;margin:2rem 0;padding:1.1rem 1.35rem}.section--tint .callout{background:#fff}.cta-band{background:var(--navy-dark);color:var(--cream);border-radius:24px;align-items:center;gap:1.25rem;padding:2.5rem 2rem;display:grid}@media (width>=760px){.cta-band{grid-template-columns:1fr auto;padding:2.75rem 3rem}}.cta-band h2{color:#fff;margin:0 0 .4rem}.cta-band p{color:var(--blue-light);margin:0}.cta-band .actions{margin:0}.steps{counter-reset:step;padding:0;list-style:none}.steps li{counter-increment:step;margin:0;padding:.15rem 0 1.25rem 3.1rem;position:relative}.steps li:before{content:counter(step);background:var(--navy);color:#fff;border-radius:50%;place-items:center;width:2.1rem;height:2.1rem;font-weight:600;display:grid;position:absolute;top:0;left:0}.faq dt{color:var(--navy-dark);margin-top:1.5rem;font-weight:600}.faq dd{color:var(--muted);margin:.35rem 0 0}.byline{color:var(--muted);border-bottom:1px solid var(--border);flex-wrap:wrap;gap:.25rem .75rem;margin-bottom:1.5rem;padding-bottom:1.5rem;font-size:.92rem;display:flex}.breadcrumbs{color:var(--muted);padding-top:1.25rem;font-size:.9rem}.breadcrumbs ol{flex-wrap:wrap;gap:.35rem;margin:0;padding:0;list-style:none;display:flex}.breadcrumbs li{margin:0}.breadcrumbs li+li:before{content:"/";color:#b5bccb;margin-right:.35rem}.breadcrumbs+.section{padding-top:2rem}.page-head{max-width:46rem;margin-bottom:2rem}.form-card{border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);background:#fff;max-width:44rem;padding:clamp(1.25rem,4vw,2.25rem)}.form{gap:1.15rem;display:grid}.form h3{margin:.5rem 0 0}.field{gap:.35rem;min-width:0;display:grid}.field-row{gap:1.15rem;display:grid}@media (width>=640px){.field-row{grid-template-columns:1fr 1fr}}.field label,.field legend{font-weight:600}.field .hint{color:var(--muted);font-size:.9rem}input[type=text],input[type=email],input[type=tel],input[type=file],select,textarea{width:100%;min-height:48px;font:inherit;color:var(--ink);background:#fff;border:1px solid #b7c0d2;border-radius:10px;padding:.65rem .85rem}input:focus,select:focus,textarea:focus{border-color:var(--blue);outline-offset:0;outline:3px solid #527edb40}textarea{resize:vertical;min-height:7rem}fieldset{border:1px solid var(--border);border-radius:12px;margin:0;padding:1rem 1.25rem}.choice{cursor:pointer;align-items:flex-start;gap:.65rem;min-height:32px;font-weight:500;display:flex}.choice+.choice{margin-top:.4rem}.choice input{width:22px;height:22px;accent-color:var(--navy);flex-shrink:0;margin-top:.1rem}.hp-field{width:1px;height:1px;position:absolute;left:-9999px;overflow:hidden}.required{color:var(--required)}.site-footer{background:var(--navy-dark);color:var(--blue-light);margin-top:1rem;padding:3.5rem 0 2rem;font-size:.95rem}.site-footer a{color:#fff;text-decoration-color:#ffffff59}.site-footer a:hover{color:var(--cream);text-decoration-color:currentColor}.site-footer__grid{gap:2rem;display:grid}@media (width>=760px){.site-footer__grid{grid-template-columns:1.4fr 1fr 1fr 1fr}}.site-footer__logo{width:auto;height:34px;color:var(--cream);margin-bottom:1rem;display:block}.site-footer h2{color:#fff;letter-spacing:0;margin:0 0 .85rem;font-size:1rem}.site-footer ul{margin:0;padding:0;list-style:none}.site-footer li{margin:0 0 .5rem}.site-footer__legal{border-top:1px solid #ffffff1f;margin-top:2.5rem;padding-top:1.5rem;font-size:.9rem}.site-footer__legal p{margin-bottom:.4rem}