@charset "UTF-8";
:root{--ink:#1c3564;--body:#405069;--muted:#627087;--green:#1c3564;--accent:#f26522;--paper:#ffffff;--line:#dce5ee;--soft:#f1f6fa;--radius:20px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:105px}body{margin:0;color:var(--body);background:var(--paper);font:1rem/1.65 "Segoe UI",Arial,sans-serif}a{color:var(--green);text-underline-offset:4px}a:hover{text-decoration-thickness:2px}button{font:inherit}button,a{-webkit-tap-highlight-color:transparent}button{cursor:pointer}button:disabled{cursor:wait}button:focus-visible,a:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid #f26522;outline-offset:5px}h1,h2,h3,p{margin-top:0}h1,h2,h3{color:var(--ink);line-height:1.16;letter-spacing:-.035em}h1{font-size:clamp(36px,4.2vw,60px);font-weight:650;margin-bottom:23px}h2{font-size:clamp(28px,3vw,38px);font-weight:620;margin-bottom:20px}h3{font-size:1.3125rem;letter-spacing:-.02em}p{margin-bottom:18px}em{font-style:normal;color:#308fbe}strong{font-weight:650}.wrap{max-width:1200px;padding-inline:32px;margin-inline:auto}.preview{padding:7px 18px;background:#eaf1f8;text-align:center;color:#405069;font-size:0.75rem;letter-spacing:.02em}.header{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.98);border-bottom:1px solid var(--line)}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:25px;min-height:89px}.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-size:1.5rem;font-weight:700;letter-spacing:-.9px;white-space:nowrap}.brand-icon{display:inline-flex;align-items:center;justify-content:center;background:var(--ink);color:var(--accent);width:39px;height:39px;border-radius:11px;font-size:1.8125rem;font-weight:600;letter-spacing:-3px;padding-right:3px}.brand-domain{font-weight:400;color:#627087}.header nav{display:flex;gap:28px}.header nav a{font-size:0.875rem;font-weight:600;text-decoration:none}.button{display:inline-flex;align-items:center;justify-content:center;gap:22px;min-height:54px;padding:15px 23px;background:var(--green);border:1px solid var(--green);border-radius:9px;color:white;font-weight:650;line-height:1.35;text-align:center;text-decoration:none;transition:background .15s,transform .15s}.button:hover{background:#152b52;transform:translateY(-1px)}.button span{font-size:1.375rem;font-weight:400}.button.small{min-height:44px;padding:10px 18px;font-size:0.875rem;gap:20px}.hero{padding-top:63px;padding-bottom:33px;display:grid;grid-template-columns:1fr 280px;gap:60px;align-items:center}.eyebrow{font-size:0.75rem;letter-spacing:.13em;text-transform:uppercase;font-weight:700;color:#38658a;margin-bottom:17px}.dot{display:inline-block;width:7px;height:7px;border-radius:50%;background:#308fbe;margin-right:7px}.lead{font-size:1.125rem;line-height:1.65;max-width:660px}.hero .lead{max-width:630px}.hero-points{display:flex;gap:22px;flex-wrap:wrap;font-size:0.75rem;font-weight:600;margin-top:26px}.hero-points span:before{content:'✓';margin-right:7px;color:#308fbe}.hero-note{border-left:1px solid var(--line);padding:15px 0 15px 32px;font-size:1.0rem}.hero-note p{margin:13px 0 16px}.hero-note a{font-size:0.75rem;font-weight:600}.note-symbol{display:inline-flex;align-items:center;justify-content:center;background:#e9f3fa;width:48px;height:48px;border-radius:50%;font-size:1.6875rem;color:var(--green)}.disclosure{display:flex;gap:17px;align-items:flex-start;font-size:0.75rem;line-height:1.65;padding-top:15px;padding-bottom:30px}.disclosure p{margin:0;max-width:830px}.label{font-size:0.625rem;letter-spacing:.08em;text-transform:uppercase;white-space:nowrap;font-weight:700;color:#315778;background:#eaf3fa;padding:4px 8px;border-radius:4px}.disclosure .label{background:transparent;border:1px solid #d3e0ed;margin-top:1px}.conversion{display:grid;grid-template-columns: .85fr 2fr;gap:28px;align-items:start}.form-aside{padding:30px 22px 0 0}.form-aside h2{font-size:2.0625rem}.mini-steps{padding:8px 0 0;margin:0;list-style:none}.mini-steps li{display:flex;gap:15px;padding-bottom:25px}.mini-steps li>span{font-size:0.75rem;color:#627087;padding-top:3px}.mini-steps strong{font-size:0.9375rem;color:var(--ink)}.mini-steps p{font-size:0.8125rem;margin:5px 0 0;line-height:1.6}.aside-bottom{border-top:1px solid var(--line);display:flex;gap:13px;padding-top:21px;font-size:0.75rem}.aside-bottom>span{font-size:1.25rem}.form-card{background:white;border:1px solid #ceddea;border-radius:var(--radius);box-shadow:0 8px 28px #1c35640b;overflow:hidden;scroll-margin-top:105px;min-width:0}.card-top{display:flex;gap:12px;align-items:center;justify-content:space-between;padding:19px 28px;border-bottom:1px solid #e5edf4}.online{font-size:0.625rem;white-space:nowrap;color:#627087}.card-intro{padding:26px 30px 0}.card-intro h2{font-size:1.625rem;margin-bottom:14px}.card-intro p{font-size:0.75rem;line-height:1.7;margin-bottom:10px}.muted{color:var(--muted)}.form-idle{background:#f3f8fc;border:1px dashed #cadfeb;border-radius:12px;margin:22px 30px;padding:26px 15px 17px;text-align:center}.form-idle h3{font-size:1.3125rem;margin:17px 0 10px}.form-idle p{font-size:0.8125rem;line-height:1.65}.form-idle .primary{font-size:0.875rem;background:var(--green);padding:16px 21px;max-width:100%}.form-idle .micro{font-size:0.625rem;margin:11px 0 0;color:#627087}.document-icon{position:relative;background:white;border:1px solid #ccdeec;border-radius:7px;width:42px;height:49px;margin:0 auto;padding:12px 9px}.document-icon span{display:block;height:2px;background:#a3bcd0;margin:4px 0}.document-icon b{position:absolute;right:-9px;bottom:-4px;border-radius:50%;background:var(--accent);color:var(--green);width:23px;height:23px;font-size:1.0rem;line-height:23px}.partner-links{display:flex;flex-wrap:wrap;gap:8px 18px;padding:0 30px;font-size:0.625rem}.card-footnote{font-size:0.6875rem;margin:16px 30px 23px;color:#627087}.form-status{margin:12px 30px;font-size:0.75rem}.form-status:empty{display:none}#frame-slot{width:100%;min-width:0}#frame-slot iframe{display:block;width:100%;border:0;height:720px}.frame-controls{display:flex;gap:10px;align-items:center;flex-wrap:wrap;font-size:0.6875rem;padding:6px 30px 18px;color:var(--muted)}.text-button{border:0;background:transparent;color:var(--green);padding:10px 0;min-height:44px;text-decoration:underline;text-underline-offset:4px;font-size:0.75rem}.noscript{padding:20px;background:#fff2d8}.section{padding-top:81px;padding-bottom:80px}.section-heading{display:flex;justify-content:space-between;align-items:flex-end;gap:30px;margin-bottom:27px}.section-heading p:last-child{font-size:0.8125rem}.section-heading h2{margin:0}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:40px}.step-number{display:flex;align-items:center;gap:15px;font-size:0.75rem;color:#627087;margin-bottom:25px}.step-number i{height:1px;background:#d3e1ec;flex:1}.steps h3{font-size:1.1875rem;margin-bottom:15px}.steps p{font-size:0.875rem;margin:0}.decision{background:var(--ink);color:#e6eef7}.decision-inner{display:grid;grid-template-columns:1fr 1.1fr;gap:90px;padding-top:52px;padding-bottom:52px}.decision h2{color:white;font-size:2.4375rem}.decision .eyebrow{color:#aed9f0}.decision p{font-size:0.875rem}.light-link{display:inline-flex;gap:30px;color:#ffffff;font-size:0.8125rem;font-weight:600}.checklist>div{display:flex;gap:20px;padding:15px 0;border-bottom:1px solid #3f5980}.checklist>div:first-child{padding-top:0}.checklist>div:last-child{border:0;padding-bottom:0}.checklist span{font-size:0.75rem;color:#99d4f0;padding-top:3px}.checklist p{margin:0;font-size:0.8125rem;line-height:1.8}.checklist strong{color:white;font-size:0.9375rem}.faq-section{display:grid;grid-template-columns:.8fr 1.4fr;gap:80px}.faq-section>div:first-child>p:not(.eyebrow){font-size:0.875rem}.faq-section>div>a{font-size:0.75rem}.faq details{border-bottom:1px solid var(--line)}.faq details:first-child{border-top:1px solid var(--line)}summary{position:relative;padding:19px 30px 19px 0;font-weight:600;font-size:0.875rem;color:var(--ink);cursor:pointer;list-style:none}summary::-webkit-details-marker{display:none}summary:after{content:'+';position:absolute;right:3px;top:17px;font-weight:400;font-size:1.3125rem;color:#308fbe}details[open] summary:after{content:'−'}.faq details p{font-size:0.8125rem;padding-right:20px;margin-bottom:22px}.end-cta{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding-top:34px;padding-bottom:32px;display:flex;align-items:center;gap:35px;justify-content:space-between}.end-cta h2{font-size:1.625rem;margin-bottom:9px}.end-cta p{font-size:0.75rem;margin-bottom:0}.end-cta .eyebrow{font-size:0.625rem;margin-bottom:10px}.end-cta .button{font-size:0.8125rem;flex-shrink:0}.source-note{font-size:0.625rem;color:#627087;padding-top:23px;padding-bottom:44px}footer{background:#f0f5fa;padding:40px 0 0}.footer-top{display:flex;justify-content:space-between;align-items:center;border-bottom:1px solid #d5e1ec;padding-bottom:25px}.footer-top .brand{font-size:1.3125rem}.footer-top p{margin:0;font-size:0.75rem}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:80px;padding-top:32px;padding-bottom:30px}.footer-grid h2{font-size:0.8125rem;letter-spacing:0;margin-bottom:15px}.footer-grid p,.footer-grid a{font-size:0.6875rem}.footer-grid a{display:block;margin-bottom:8px}.footer-bottom{display:flex;justify-content:space-between;padding:20px 0;border-top:1px solid #d5e1ec;font-size:0.625rem}.skip{position:fixed;top:-100px;left:15px;background:white;padding:12px;z-index:30}.skip:focus{top:10px}.sticky{position:fixed;bottom:12px;left:12px;right:12px;z-index:15;background:white;padding:7px;border:1px solid var(--line);border-radius:12px;box-shadow:0 8px 35px #0002;display:flex;gap:5px}.sticky .button{flex:1;font-size:0.75rem;min-height:45px;padding:10px}.close-sticky{background:transparent;border:0;font-size:1.5rem;color:var(--ink);width:40px;flex-shrink:0}.article{padding-top:45px;padding-bottom:60px;max-width:860px}.back{display:inline-block;font-size:0.75rem;margin-bottom:30px}.article h1{font-size:2.875rem}.prose{margin-top:35px}.prose h2{font-size:1.625rem;margin-top:35px}.prose p,.prose li{font-size:1.0rem}.prose a{overflow-wrap:anywhere}.prose ul{padding-left:23px}.prose li{margin-bottom:12px}.editor-note{background:#fff3d9;border-left:3px solid #b87c16;padding:20px;font-size:0.875rem}.article-cta{margin-top:45px;padding:30px;border-radius:14px;background:var(--soft)}.article-cta h2{font-size:1.5625rem}.article-cta p{font-size:0.875rem}[hidden]{display:none!important}
@media(min-width:761px){.sticky{display:none!important}}
@media(max-width:1000px){.header nav{gap:16px}.hero{gap:30px;grid-template-columns:1fr 200px}.hero-note{padding-left:20px}.conversion{gap:18px;grid-template-columns:.8fr 1.7fr}.form-aside h2{font-size:1.75rem}.card-top,.card-intro{padding-left:22px;padding-right:22px}.form-idle{margin-left:22px;margin-right:22px}.hero-points{gap:12px}.decision-inner{gap:50px}.faq-section{gap:40px}.footer-grid{gap:40px}}
@media(max-width:760px){html{scroll-padding-top:86px}.wrap{padding-inline:20px}.header-inner{min-height:72px;gap:12px}.header nav{display:none}.brand{font-size:1.3125rem}.brand-icon{width:33px;height:33px;font-size:1.5rem;border-radius:9px}.button.small{font-size:0.75rem;padding:9px 12px;gap:12px}.hero{display:block;padding-top:31px;padding-bottom:14px}.hero h1{font-size:2.5rem;letter-spacing:-.045em;margin-bottom:15px}.hero .lead{font-size:0.9375rem;line-height:1.6;margin-bottom:0}.hero .eyebrow{font-size:0.625rem;margin-bottom:15px}.hero-note,.hero-points{display:none}.disclosure{display:block;padding-top:0;padding-bottom:22px;font-size:0.625rem}.disclosure .label{font-size:0.5rem;display:inline-block;margin-bottom:8px}.conversion{display:block}.form-aside{display:none}.form-card{scroll-margin-top:86px;border-radius:15px}.card-top{padding:15px 18px;flex-wrap:wrap;gap:5px}.card-top .label{font-size:0.5rem}.online{font-size:0.5625rem}.card-intro{padding:20px 18px 0}.card-intro h2{font-size:1.5rem}.card-intro p{font-size:0.6875rem;line-height:1.7}.form-idle{margin:17px 14px;padding:22px 12px 17px}.form-idle h3{font-size:1.125rem}.form-idle p{font-size:0.75rem}.form-idle .primary{width:100%;font-size:0.75rem;gap:10px;padding:13px 12px}.partner-links{padding:0 18px;gap:10px 15px;font-size:0.625rem}.card-footnote{margin:16px 18px;font-size:0.625rem}.frame-controls{padding:0 18px 15px}.form-status{margin:14px 18px}.section{padding-top:49px;padding-bottom:49px}.section-heading{display:block;margin-bottom:25px}.section-heading>p{display:none}.eyebrow{font-size:0.625rem}h2{font-size:1.8125rem}.steps{grid-template-columns:1fr;gap:25px}.step-number{margin-bottom:14px}.steps p{font-size:0.8125rem}.steps h3{font-size:1.1875rem;margin-bottom:9px}.decision-inner{grid-template-columns:1fr;gap:28px;padding-top:37px;padding-bottom:37px}.decision h2{font-size:2.0625rem}.decision p{font-size:0.8125rem}.faq-section{grid-template-columns:1fr;gap:22px}.faq-section>div:first-child p:not(.eyebrow){display:none}.faq-section h2{margin-bottom:12px}.faq summary{font-size:0.8125rem;padding-top:18px;padding-bottom:18px}.end-cta{display:block;margin-inline:20px;padding-inline:0}.end-cta .button{margin-top:20px;width:100%}.end-cta h2{font-size:1.5625rem}.source-note{padding-bottom:30px}.footer-top{align-items:flex-start;gap:15px}.footer-top .brand{font-size:1.125rem}.footer-top p{font-size:0.625rem;max-width:110px}.footer-grid{grid-template-columns:1fr 1fr;gap:22px}.footer-grid>div:first-child{grid-column:1/-1}.footer-grid p{max-width:440px}.footer-bottom{display:block;padding-bottom:90px}.footer-bottom strong{display:block;margin-top:8px}.article{padding-top:28px}.article h1{font-size:2.25rem}.article .lead{font-size:1.0rem}.prose p,.prose li{font-size:0.875rem}.article-cta{padding:22px}.preview{font-size:0.5625rem;padding:6px 12px}}
@media(max-width:380px){.wrap{padding-inline:16px}.brand{font-size:1.125rem;gap:7px}.header .brand-icon{width:29px;height:29px;font-size:1.4375rem}.hero h1{font-size:2.1875rem}.button.small{gap:8px}.card-intro h2{font-size:1.375rem}.online{font-size:0.5rem}.form-idle .primary{font-size:0.6875rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
html{scroll-padding-top:var(--header-offset,105px)}.form-card{scroll-margin-top:16px}

/* Readable supporting copy and compact first action on phones. */
.card-intro p{font-size:0.875rem}.partner-links{font-size:0.75rem}.card-footnote{font-size:0.75rem}.document-hint{font-size:0.6875rem;color:var(--muted);margin:9px 30px 0}.disclosure{font-size:0.8125rem}.form-idle .micro{font-size:0.75rem}.source-note,.footer-grid p,.footer-grid a,.footer-bottom{font-size:0.75rem}.header-inner{flex-wrap:wrap}
@media(max-width:760px){.hero{padding-top:24px;padding-bottom:12px}.hero h1{font-size:2.125rem}.hero .lead{font-size:0.9375rem}.disclosure{font-size:0.75rem;padding-bottom:18px}.disclosure .label{font-size:0.5625rem}.card-intro p{font-size:0.8125rem}.card-intro h2{font-size:1.4375rem}.card-intro{padding-top:17px}.card-top{padding-top:12px;padding-bottom:12px}.form-idle{padding:17px 12px;margin-top:15px}.document-icon,.form-idle h3{display:none}.form-idle p{font-size:0.8125rem;margin-bottom:12px}.form-idle .primary{font-size:0.8125rem}.form-idle .micro{font-size:0.6875rem}.partner-links{font-size:0.75rem}.card-footnote{font-size:0.75rem}.document-hint{font-size:0.6875rem;margin-left:18px;margin-right:18px}.faq summary{font-size:0.9375rem}.faq details p{font-size:0.875rem}.source-note{font-size:0.6875rem}.online{font-size:0.625rem}.card-top .label{font-size:0.5625rem}.header-inner{flex-wrap:nowrap}}

@media(max-width:760px){.header-inner{flex-wrap:wrap;row-gap:8px;padding-block:10px}.form-card{scroll-margin-top:16px}}

/* Original brand palette: navy #1c3564, blue #308fbe, orange #f26522. */
.brand-logo{display:block;width:230px;height:auto}.button,.form-idle .primary{background:#f26522;border-color:#f26522;color:#10254a}.button:hover,.form-idle .primary:hover{background:#e95612;border-color:#e95612}.header nav a{color:#1c3564}.hero{padding-top:43px}.hero h1{font-size:clamp(40px,4.7vw,64px);line-height:1.1}.hero h1 em{color:#308fbe}.hero .lead{max-width:650px}.range-note{font-size:.75rem;color:#627087;max-width:610px;margin-top:-7px}.hero-note dl{margin:0}.hero-note dl>div{padding:10px 0;border-bottom:1px solid var(--line)}.hero-note dl>div:last-child{border:0}.hero-note dt{font-size:.75rem;color:#627087}.hero-note dd{font-size:.875rem;font-weight:600;color:var(--ink);margin:2px 0 0}.conversion{margin-top:16px}.form-aside{padding-top:24px}.prepare-list{list-style:none;margin:0;padding:0}.prepare-list li{border-bottom:1px solid var(--line);padding:0 0 18px;margin-bottom:18px}.prepare-list strong{font-size:.875rem;color:var(--ink)}.prepare-list p{font-size:.8125rem;line-height:1.65;margin:5px 0 0}.aside-link{font-size:.75rem}.card-intro p{font-size:.875rem}.card-intro h2{font-size:1.75rem}.form-idle{margin-top:18px}.compact-disclosure{font-size:.6875rem;line-height:1.65;margin:0 30px 18px;color:#67758a}.compact-disclosure p{margin:0}.compact-disclosure strong{font-weight:600}.card-footnote{display:none}.document-hint{margin-bottom:20px}.form-idle h3{font-size:1.6rem}.conditions{padding-bottom:0}.facts{margin:0;display:grid;grid-template-columns:1fr 1fr;gap:0 48px}.facts>div{display:grid;grid-template-columns:1fr;gap:9px;padding:23px 0;border-top:1px solid var(--line)}.facts dt{font-size:.8125rem;color:#627087}.facts dd{margin:0}.facts strong{font-size:1.125rem;color:var(--ink)}.facts p{font-size:.8125rem;margin:9px 0 0;line-height:1.65}.footer-top{flex-wrap:wrap}h1,h2,h3{overflow-wrap:anywhere}.footer-top p{max-width:100%}
@media(max-width:760px){.brand-logo{width:176px}.header-inner{padding-block:4px;min-height:68px}.header .button.small{min-height:42px}.hero{padding-top:22px;padding-bottom:8px}.hero h1{font-size:2.5rem;margin-bottom:14px}.hero .lead{font-size:.9375rem}.range-note{font-size:.6875rem;margin-top:10px;margin-bottom:8px}.hero-note{display:none}.conversion{margin-top:9px}.card-intro h2{font-size:1.5rem}.card-intro p{font-size:.8125rem}.form-idle .primary{font-size:.875rem}.form-idle h3{display:block;font-size:1.375rem;margin:0 0 9px}.compact-disclosure{margin:0 18px 18px;font-size:.6875rem}.facts{grid-template-columns:1fr;gap:0}.facts>div{padding:19px 0;gap:7px}.facts p{font-size:.875rem}.facts strong{font-size:1.125rem}.conditions{padding-bottom:0}.document-hint{margin-bottom:18px}.footer-top .brand-logo{width:176px}.footer-top p{max-width:100%;flex-basis:100%}.online{white-space:normal}.card-top{gap:8px}.footer-grid{gap:22px}}
@media(max-width:380px){.brand-logo{width:155px}.hero h1{font-size:2.25rem}}