:root{--navy:#0b1f3a;--navy2:#132f55;--ink:#17202b;--muted:#4a5565;--bg:#f5f7fa;--card:#fff;--line:#dfe4ea;--orange:#c2410c;--orange-h:#9a3412;--amber:#ffb020;--sky:#e8f1fb;--radius:14px;--max:1120px}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{color:var(--ink);background:var(--bg);margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif;font-size:17px;line-height:1.65}a{color:#0b4f9c;text-underline-offset:2px}a:hover{color:var(--orange-h)}:focus-visible{outline-offset:3px;border-radius:4px;outline:3px solid #0b4f9c}.alert :focus-visible,.site-head :focus-visible,.hero :focus-visible,.cta :focus-visible,.site-foot :focus-visible,.callbar :focus-visible,.skip:focus-visible{outline-color:var(--amber)}.btn:focus-visible{outline-offset:3px;border-radius:999px;box-shadow:0 0 0 6px #0b1f3a8c}.faq summary:focus-visible{outline-offset:-3px;border-radius:12px}.skip:focus{outline:3px solid #0b4f9c}img,svg{max-width:100%}.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}.skip{position:absolute;left:-9999px}.skip:focus{z-index:99;background:#fff;padding:8px 12px;top:10px;left:10px}.alert{background:var(--orange);color:#fff;text-align:center;padding:7px 12px;font-size:14.5px;font-weight:600}.alert a{color:#fff;font-weight:800}.site-head{z-index:50;background:var(--navy);color:#fff;position:sticky;top:0;box-shadow:0 2px 10px #00000040}.head-in{max-width:var(--max);flex-wrap:wrap;align-items:center;gap:14px;margin:0 auto;padding:10px 20px;display:flex}.brand{color:#fff;flex:260px;align-items:center;gap:10px;min-width:0;text-decoration:none;display:flex}.brand svg{flex:0 0 38px}.brand b{font-size:15.5px;line-height:1.2;display:block}.bshort{display:none!important}.brand small{color:#c9d6e8;font-size:12.5px;line-height:1.3;display:block}.nav{flex-wrap:wrap;gap:4px;display:flex}.nav a{color:#fff;border-radius:8px;padding:8px 10px;font-size:15px;font-weight:600;text-decoration:none}.nav a:hover,.nav a[aria-current]{background:var(--navy2);color:#fff}.btn{background:var(--orange);white-space:nowrap;border-radius:999px;justify-content:center;align-items:center;gap:10px;padding:12px 22px;font-size:17px;font-weight:800;line-height:1.2;text-decoration:none;transition:background .15s,transform .15s;display:inline-flex;box-shadow:0 6px 18px #c2410c59;color:#fff!important}.btn:hover{background:var(--orange-h);transform:translateY(-1px)}.btn svg{flex:0 0 20px;width:20px;height:20px}.btn-lg{padding:17px 30px;font-size:21px}.btn-head{padding:10px 16px;font-size:16px}.hero{background:radial-gradient(1200px 500px at 85% -10%,#1f4d86 0,transparent 60%),linear-gradient(160deg,var(--navy) 0,#0e2a4f 100%);color:#fff;padding:44px 0 52px}.hero-grid{grid-template-columns:1.25fr .75fr;align-items:center;gap:32px;display:grid}.eyebrow{color:var(--amber);letter-spacing:.02em;background:#ffb02024;border:1px solid #ffb02066;border-radius:999px;align-items:center;gap:8px;padding:5px 12px;font-size:14px;font-weight:700;display:inline-flex}.pulse{background:var(--amber);border-radius:50%;width:9px;height:9px;animation:1.8s infinite p;box-shadow:0 0 #ffb020b3}@keyframes p{70%{box-shadow:0 0 0 10px #ffb02000}to{box-shadow:0 0 #ffb02000}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition:none!important;animation:none!important}.btn:hover{transform:none}}.hero h1{letter-spacing:-.01em;margin:14px 0 12px;font-size:clamp(30px,5vw,48px);line-height:1.12}.hero .lede{color:#dbe5f2;max-width:640px;margin:0 0 20px;font-size:clamp(17px,2.2vw,20px)}.hero-line{color:#fff;margin:0 0 10px;font-size:18px;font-weight:800}.ref{color:#c9d6e8;margin:12px 0 0;font-size:14px}.chips{flex-wrap:wrap;gap:8px;margin:22px 0 0;padding:0;list-style:none;display:flex}.chips li{background:#ffffff14;border:1px solid #ffffff29;border-radius:999px;align-items:center;gap:6px;padding:6px 12px;font-size:14px;display:flex}.chips svg{width:16px;height:16px;color:var(--amber)}.hero-art{justify-content:center;display:flex}.hero-art svg{width:100%;max-width:340px;height:auto}main section{padding:44px 0}.alt{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}h2{color:var(--navy);letter-spacing:-.01em;margin:0 0 14px;font-size:clamp(24px,3.2vw,32px);line-height:1.2}h3{color:var(--navy);margin:22px 0 8px;font-size:20px}.prose{max-width:780px}.prose p,.prose li{color:#253041}.crumbs{color:#c9d6e8;margin:0 0 6px;font-size:14px}.crumbs a{color:#fff}.crumbs ol{flex-wrap:wrap;gap:6px;margin:0;padding:0;list-style:none;display:flex}.crumbs li+li:before{content:"›";color:#8fa3bd;margin-right:6px}.steps{counter-reset:s;grid-template-columns:repeat(3,1fr);gap:18px;margin:22px 0 0;padding:0;list-style:none;display:grid}.steps li{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px 20px 20px;position:relative}.steps li:before{counter-increment:s;content:counter(s);background:var(--orange);color:#fff;border-radius:50%;place-items:center;width:34px;height:34px;font-weight:800;display:grid;position:absolute;top:-16px;left:20px}.steps h3{margin-top:8px}.steps p{color:var(--muted);margin:0}.cards{grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px;margin:20px 0 0;padding:0;list-style:none;display:grid}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);flex-direction:column;gap:8px;padding:20px;transition:border-color .15s,box-shadow .15s;display:flex}.card:hover{border-color:#9bb3d1;box-shadow:0 8px 22px #0b1f3a14}.card .ic{background:var(--sky);width:44px;height:44px;color:var(--navy);border-radius:12px;place-items:center;display:grid}.card .ic svg{width:24px;height:24px}.card h3{margin:4px 0 0;font-size:18.5px}.card h3 a{color:var(--navy);text-decoration:none}.card h3 a:after{content:" →";color:var(--orange)}.card p{color:var(--muted);margin:0;font-size:15.5px}.card.sec{background:#fbfcfd}.tag{text-transform:uppercase;letter-spacing:.05em;color:#5a6472;background:#eef1f5;border-radius:6px;align-self:flex-start;padding:2px 8px;font-size:12px;font-weight:700}.cta{background:var(--navy);color:#fff;border-radius:var(--radius);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:16px;margin:28px 0 0;padding:22px 24px;display:flex}.cta p{margin:0;font-size:18px;font-weight:700}.cta small{color:#c9d6e8;font-size:14px;font-weight:400;display:block}.zips{flex-wrap:wrap;gap:8px;margin:14px 0;padding:0;list-style:none;display:flex}.zips li{border:1px solid var(--line);background:#fff;border-radius:10px;padding:8px 12px;font-size:15px}.zips a{font-weight:700;text-decoration:none}.faq details{border:1px solid var(--line);background:#fff;border-radius:12px;margin:0 0 10px;padding:0}.faq summary{cursor:pointer;color:var(--navy);padding:16px 48px 16px 18px;font-weight:700;list-style:none;position:relative}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";color:var(--orange);font-size:24px;font-weight:700;position:absolute;top:12px;right:18px}.faq details[open] summary:after{content:"–"}.faq details>div{color:#253041;padding:0 18px 14px}.note{border-left:4px solid var(--amber);background:#fff8eb;border-radius:8px;padding:12px 16px;font-size:15.5px}.sources{color:var(--muted);font-size:14.5px}.site-foot{color:#c9d6e8;background:#081629;padding:40px 0 30px;font-size:15px}.foot-cols{grid-template-columns:repeat(3,1fr);gap:24px;display:grid}.site-foot h2{color:#fff;text-transform:uppercase;letter-spacing:.06em;margin:0 0 10px;font-size:16px}.site-foot ul{margin:0;padding:0;list-style:none}.site-foot li{margin:0 0 6px}.site-foot a{color:#e6edf7;text-decoration:none}.site-foot a:hover{color:#fff;text-decoration:underline}.foot-call{border-bottom:1px solid #22344f;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:14px;margin:0 0 24px;padding:0 0 22px;display:flex}.foot-call b{color:#fff;font-size:18px}.disc{color:#aab9cc;border-top:1px solid #22344f;margin-top:24px;padding-top:18px;font-size:13.5px;line-height:1.6}.disc p{margin:0 0 10px}.callbar{display:none}@media (width<=900px){.hero-grid{grid-template-columns:1fr}.hero-art{display:none}.steps{grid-template-columns:1fr;gap:26px}}@media (width<=768px){body{padding-bottom:calc(76px + env(safe-area-inset-bottom));font-size:16.5px}.head-in{gap:8px;padding:8px 14px}.site-head{position:relative}.head-in{flex-wrap:wrap}.brand{flex:1 1 0;gap:8px}.brand .bfull{display:none}.brand .bshort{white-space:normal;max-width:110px;font-size:14px;line-height:1.15;display:block!important}.brand span{min-width:0}.brand small{display:none}.brand svg{flex-basis:32px;width:32px;height:32px}.nav{border-top:1px solid #22406a;flex-wrap:nowrap;flex:100%;order:3;justify-content:space-between;padding-top:4px}.nav a{padding:6px;font-size:14.5px}.btn-head{box-shadow:none;padding:8px 12px;font-size:14px}.btn-head svg{flex-basis:16px;width:16px;height:16px}.hero{padding:30px 0 36px}.btn-lg{width:100%;font-size:19px}.foot-cols{grid-template-columns:1fr}.cta .btn{width:100%}.callbar{z-index:60;background:var(--navy);padding:10px 12px calc(10px + env(safe-area-inset-bottom));display:flex;position:fixed;bottom:0;left:0;right:0;box-shadow:0 -4px 16px #00000040}.callbar .btn{width:100%;padding:14px;font-size:19px}}@media (width<=360px){.nav a{padding:5px 4px;font-size:13.5px}.alert{font-size:13px}.brand .bshort{white-space:normal;max-width:84px;font-size:12.5px}.brand svg{flex-basis:28px;width:28px;height:28px}.btn-head{padding:7px 10px;font-size:13px}}.hero-grid>div{min-width:0}.hero-copy .btn-lg{align-self:flex-start}.hero-copy{flex-direction:column;align-items:flex-start;display:flex}@media (width<=768px){.btn-lg,.callbar .btn,.cta .btn{white-space:normal;text-align:center}}@media (width<=360px){.btn-lg,.callbar .btn{padding:14px 12px;font-size:17px}}@media (width<=768px){.hero-copy>.crumbs{order:0}.hero-copy>.eyebrow{order:1}.hero-copy>h1{order:2;margin:10px 0}.hero-copy>.hero-line{order:3;margin:0 0 12px;font-size:16.5px}.hero-copy>.btn-lg{order:4;align-self:stretch}.hero-copy>.ref{order:5;margin:10px 0 0}.hero-copy>.lede{order:6;margin:18px 0 0}.hero-copy>.chips{order:7}.hero{padding:22px 0 30px}.hero h1{font-size:clamp(27px,7.4vw,34px)}.alert{padding:6px 10px;font-size:13.5px;line-height:1.35}body{padding-bottom:calc(var(--callbar-h,84px) + env(safe-area-inset-bottom))}}@media print{.callbar,.alert,.skip,.hero-art,.site-head .nav,.btn,.chips,.cta,.steps{display:none!important}body{color:#000;background:#fff;padding:0;font-size:11.5pt}.site-head,.hero,.site-foot{box-shadow:none;color:#000!important;background:#fff!important}.site-head *,.hero *,.site-foot *{color:#000!important}.hero{padding:12px 0}main section{break-inside:avoid-page;padding:12px 0}a{color:#000;text-decoration:underline}.faq details{border:1px solid #999}.faq details>div{display:block}}@media (width<=380px){.alert{padding:5px 8px;font-size:12.5px}.eyebrow{letter-spacing:0;padding:4px 10px;font-size:12.5px}.hero-copy>h1{margin:8px 0}.hero-copy>.hero-line{margin-bottom:10px;font-size:15.5px}.hero{padding:16px 0 26px}.hero-copy>.ref{font-size:13px}}