:root{--ink:#132838;--navy:#102a3a;--navy2:#1c3b4d;--paper:#fff;--light:#f3f6f7;--muted:#526572;--line:#d9e2e6;--lime:#d9ed91;--green:#325f3d;--radius:4px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;font:17px/1.65 Arial,Helvetica,sans-serif;color:var(--ink);background:var(--paper)}a{color:inherit;text-decoration-thickness:1px;text-underline-offset:5px}a:hover{color:var(--green)}button,input,textarea,select{font:inherit}button,a,input,textarea,select{touch-action:manipulation}button{cursor:pointer}a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #4580a7;outline-offset:5px}::selection{background:var(--lime);color:var(--navy)}.skip{position:absolute;left:20px;top:-100px;z-index:100;background:white;padding:10px}.skip:focus{top:10px}.wrap{max-width:1220px;margin:auto;padding:0 36px}.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.98);border-bottom:1px solid var(--line)}.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:92px;gap:24px}.brand{text-decoration:none;display:flex;align-items:center;gap:13px;flex-shrink:0}.brand-mark{display:grid;place-items:center;width:39px;height:39px;background:var(--navy);color:var(--lime);font:28px/1 Georgia,serif;border-radius:2px}.brand-title{display:block;font-size:21px;font-weight:700;letter-spacing:-.6px;line-height:1.2}.brand-sub{display:block;font-size:12px;letter-spacing:.02em;color:var(--muted);margin-top:4px}.nav{display:flex;gap:26px;align-items:center}.nav a{text-decoration:none;font-size:14px;font-weight:600}.nav a[aria-current=page]{border-bottom:2px solid var(--ink);padding-bottom:4px}.nav .nav-contact{background:var(--navy);color:white;padding:10px 17px;border-radius:var(--radius)}.nav 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.lead{color:#d2dfe5}.callout{padding:29px;background:var(--lime);color:var(--ink);border-radius:var(--radius)}.callout h3{font:30px/1.25 Georgia,serif}.callout p{color:var(--ink);margin-bottom:0;font-size:16px}.steps{counter-reset:steps;display:grid;grid-template-columns:repeat(3,1fr);gap:35px;margin-top:35px}.step{border-top:2px solid var(--navy);padding-top:26px}.step:before{counter-increment:steps;content:'0' counter(steps);display:block;color:var(--muted);font-size:14px;letter-spacing:.09em;margin-bottom:21px}.step p{color:var(--muted);font-size:16px}.detail-list{margin:0;padding-left:22px}.detail-list li{margin-bottom:12px;color:var(--muted)}.detail-list li::marker{color:var(--green)}.table-wrap{overflow-x:auto}table{width:100%;border-collapse:collapse;font-size:16px}th,td{text-align:left;vertical-align:top;padding:21px 23px;border-bottom:1px solid var(--line)}thead{background:var(--navy);color:white}th{font-weight:600}tbody th{width:23%}td{color:var(--muted)}tbody 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var(--line);padding-top:25px;font-size:14px;line-height:1.7;color:var(--muted)}.source-list h3{font-size:16px}.policy{max-width:820px}.policy h2{font:25px Arial,sans-serif;font-weight:600;margin-top:35px}.policy p,.policy li{color:var(--muted)}.contact-email{font-size:clamp(1.1rem,2.3vw,1.55rem);overflow-wrap:anywhere}.contact-form{background:var(--light);padding:35px;border:1px solid var(--line);border-radius:var(--radius)}.contact-form h2{font-size:33px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.field{margin-bottom:20px}.field.full{grid-column:1/-1}label{display:block;font-size:14px;font-weight:600;margin-bottom:7px}input,select,textarea{display:block;width:100%;background:white;border:1px solid #b5c5cc;border-radius:3px;padding:12px 13px;color:var(--ink);font-size:16px}textarea{min-height:150px;resize:vertical}.field-note{font-size:13px;color:var(--muted);margin-top:7px}.contact-form .note{margin-bottom:20px}.status{font-size:14px;color:var(--green);margin-top:12px}.notice{border-left:3px solid var(--green);padding:5px 0 5px 19px;font-size:15px;color:var(--muted)}[hidden]{display:none!important}
@media(min-width:1500px){.wrap{max-width:1280px}}
@media(max-width:1050px){.wrap{padding:0 28px}.nav{gap:16px}.brand-sub{font-size:11px}.hero-grid{gap:35px}.question-layout,.split{gap:40px}.cta{align-items:start}.cta .buttons{flex-shrink:1}.range-card{padding:27px}.service-row{gap:25px}}
@media(max-width:850px){.menu-toggle{display:block}.header-inner{min-height:80px}.nav{display:flex;flex-direction:column;align-items:stretch;gap:0;position:absolute;left:0;right:0;top:80px;background:white;box-shadow:0 15px 20px #102a3a12;padding:12px 28px 24px;border-bottom:1px solid var(--line)}.nav a{padding:12px 0;font-size:16px}.nav a[aria-current=page]{border:0;text-decoration:underline}.nav .nav-contact{margin-top:12px;text-align:center;padding:12px}.nav:not(.open){display:none}.hero{padding-top:52px}.hero-grid{grid-template-columns:1fr 1fr;gap:25px}h1{font-size:3.2rem}.hero-band{flex-wrap:wrap}.hero-band span{flex-basis:40%}.hero-band span+span{padding-left:0;border:0}.grid3{grid-template-columns:1fr;gap:18px}.card{padding:27px}.card .num{margin-bottom:20px}.section-head{align-items:start}.question-layout{grid-template-columns:1fr;gap:30px}.question-layout .lead{max-width:700px}.split,.split-wide{grid-template-columns:1fr;gap:35px}.page-hero .split{gap:32px}.steps{gap:24px}.cta{flex-direction:column;gap:24px}.footer-grid{grid-template-columns:1.2fr 1fr 1fr;gap:25px}.service-row{grid-template-columns:40px 1fr}.service-row>div:last-child{grid-column:2}.section{padding:64px 0}.article-card{min-height:0}.article-card .text-link{margin-top:15px}.page-hero h1{font-size:3.4rem}}
@media(max-width:600px){body{font-size:16px}.wrap{padding:0 22px}.brand-title{font-size:20px}.brand-sub{font-size:11px}.brand{gap:9px}.brand-mark{width:33px;height:35px;font-size:25px}.menu-toggle{font-size:14px;padding:8px 10px}.hero-grid{grid-template-columns:1fr;padding-bottom:35px;gap:35px}h1,.page-hero h1{font-size:2.9rem}h2{font-size:2.3rem}.lead,.hero .lead{font-size:18px}.hero .eyebrow{font-size:12px}.hero-band{padding:22px 0;gap:15px}.hero-band span{flex-basis:100%}.range-card{padding:27px}.section{padding:52px 0}.section-head{display:block;margin-bottom:28px}.section-head p{margin-top:22px;max-width:none}.section-head .text-link{display:inline-block;margin-top:24px}.steps{grid-template-columns:1fr;gap:20px}.step{padding-top:22px}.step:before{margin-bottom:17px}.question-button{font-size:16px;padding:19px 17px}.answer-box{padding:25px}.footer-grid{grid-template-columns:1fr 1fr;gap:25px}.footer-grid>div:first-child{grid-column:1/-1}.footer-bottom{align-items:start;flex-direction:column;gap:10px}.page-hero{padding:35px 0 44px}.breadcrumb{margin-bottom:28px}.reward-list{grid-template-columns:1fr}.table-wrap{margin-left:-5px;margin-right:-5px}th,td{padding:15px;min-width:145px}.service-row{gap:18px;padding:32px 0}.service-row h2{font-size:29px}.service-row .number{font-size:28px}.contact-form{padding:24px}.form-grid{grid-template-columns:1fr;gap:0}.contact-email{font-size:20px}.article{font-size:17px}.article h2{font-size:29px}.article blockquote{font-size:25px}.btn{padding:12px 17px;font-size:14px}.buttons{gap:10px}.question-layout .lead{font-size:17px}.section-head h2{max-width:100%}.cta h2{font-size:2.2rem}.author-card{padding:27px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}