@charset "UTF-8";
:root{--navy:#0b3048;--deep:#072536;--teal:#087b86;--blue:#dff0f2;--ink:#233d4c;--muted:#536873;--paper:#fff;--mist:#f3f7f8;--line:#dce5e9;--gold:#e2b35b;--radius:14px;--shadow:0 20px 60px #082c4312;--body:"Avenir Next","Segoe UI",Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.7 var(--body)}img{max-width:100%;height:auto;display:block}a{color:#086877;text-underline-offset:4px}button,input,select,textarea{font:inherit}button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}button:disabled{opacity:.6;cursor:wait}h1,h2,h3{color:var(--navy);line-height:1.15;letter-spacing:-.035em}h1,h2{font-weight:650}h1{font-size:clamp(2.5rem,5.2vw,4.6rem);margin:16px 0 25px}h2{font-size:clamp(1.8rem,3.5vw,3rem);margin:0 0 22px}h3{font-size:1.35rem;margin:0 0 12px}p{margin:0 0 20px}.wrap{width:min(1180px,calc(100% - 64px));margin:auto}.skip{position:fixed;top:-100px;left:20px;background:var(--navy);color:white;padding:12px 20px;z-index:999}.skip:focus{top:12px}a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid #bf7800;outline-offset:5px}.site-header{background:#fff;border-bottom:1px solid var(--line);position:relative;z-index:20}.nav-wrap{height:90px;display:flex;align-items:center;justify-content:space-between;gap:30px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy)}.brand img{width:190px;height:auto}.brand small{font-size:11px;line-height:1.4;letter-spacing:.08em;text-transform:uppercase;border-left:1px solid var(--line);padding-left:12px;max-width:110px}.nav-links{display:flex;align-items:center;gap:28px}.nav-links>a{font-size:14px;font-weight:650;color:var(--navy);text-decoration:none}.nav-links>a:hover{text-decoration:underline}.button,.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:48px;padding:12px 23px;border:1px solid var(--navy);border-radius:7px;background:var(--navy);color:white;font-size:14px;font-weight:700;text-decoration:none;line-height:1.5;letter-spacing:0}.button:hover,.btn:hover{background:#145274;color:#fff;text-decoration:none}.button.secondary,.btn.secondary{background:transparent;color:var(--navy);border-color:#aac0cb}.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}.mobile-toggle{display:none;background:white;border:1px solid var(--line);border-radius:6px;min-height:44px;padding:8px 12px;color:var(--navy)}.eyebrow{color:#086877;font-size:12px;letter-spacing:.14em;font-weight:800;text-transform:uppercase;margin:0 0 14px}.home-hero{background:var(--mist);padding:65px 0 70px}.hero-grid{display:grid;grid-template-columns:1.05fr 1fr;align-items:center;gap:65px}.home-hero h1 em{font-style:normal;color:var(--teal)}.home-hero .lead{font-size:18px;color:var(--muted);max-width:510px}.hero-visual{position:relative;padding:0 0 44px 20px}.hero-visual>img{aspect-ratio:1.05;object-fit:cover;border-radius:18px 18px 60px 18px}.figure-note{position:absolute;bottom:0;left:-16px;width:320px;padding:24px 28px;background:white;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow)}.figure-note strong{display:block;font-size:32px;line-height:1.2;color:var(--navy);letter-spacing:-.04em}.figure-note small{display:block;font-size:12px;color:var(--muted);line-height:1.5;margin-top:7px}.figure-note .eyebrow{font-size:11px;margin-bottom:8px}.trust-strip{display:flex;gap:30px;flex-wrap:wrap;margin-top:28px;font-size:12px;color:var(--muted)}.trust-strip span{display:flex;gap:7px;align-items:center}.trust-strip span::before{content:'✓';font-weight:800;color:var(--teal)}.section{padding:70px 0}.section.alt{background:var(--mist)}.section-head{display:grid;grid-template-columns:1.1fr 1fr;gap:70px;margin-bottom:28px;align-items:end}.intro{color:var(--muted)}.card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.card{background:white;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:0 6px 20px #082c4305}.card p{color:var(--muted);font-size:16px}.card .number{display:block;color:var(--teal);font-size:13px;font-weight:700;margin-bottom:38px}.card>a{font-size:14px;font-weight:700}.split,.split.reverse{display:grid;grid-template-columns:1fr 1fr;gap:65px;align-items:start}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.step{border-top:2px solid var(--line);padding:24px 0}.step-number{display:block;font-size:13px;font-weight:700;color:var(--teal);margin-bottom:16px}.step p{font-size:15px;color:var(--muted)}.check-list{padding-left:22px}.check-list li{padding:7px 0}.notice{padding:20px 24px;border-left:3px solid var(--gold);background:#fffaee;font-size:15px}.dark-band{padding:64px 0;background:var(--deep);color:#dfeef2}.dark-band h2,.dark-band h3{color:white}.dark-band .eyebrow{color:#91dce5}.dark-band a{color:#91dce5}.dark-band .wrap{max-width:880px}.cta{background:var(--blue);padding:56px 0}.cta .wrap{display:flex;align-items:center;justify-content:space-between;gap:40px}.cta .wrap>div{max-width:770px}.cta h2{font-size:2.2rem}.smallprint,.note{color:var(--muted);font-size:13px;line-height:1.65}.hero{padding:42px 0 40px;background:var(--mist);border-bottom:1px solid var(--line)}.hero-content{width:min(1180px,calc(100% - 64px));margin:auto;max-width:1180px}.hero h1{font-size:clamp(2.3rem,5vw,3.8rem);max-width:900px}.hero .lead{font-size:18px;max-width:780px;color:var(--muted)}.breadcrumb{font-size:12px;padding-top:22px;display:flex;gap:8px;flex-wrap:wrap;color:var(--muted)}.breadcrumb a{color:var(--muted)}.article-body>.section:nth-child(even){background:var(--mist)}.article-body .wrap{max-width:1000px}.article-body .section-head{gap:35px}.article-body .card-grid{gap:16px}.article-body .card{padding:24px}.article-body .split,.article-body .split.reverse{display:block;max-width:900px}.article-body .dark-band .wrap{display:block}.link-row{display:flex;flex-wrap:wrap;gap:15px;margin-top:25px}.link-row a{font-size:14px;font-weight:650}.faq{display:grid;gap:10px}.faq details{border:1px solid var(--line);border-radius:8px;background:white;padding:0 22px}.faq summary{padding:20px 0;cursor:pointer;font-size:17px;font-weight:650;color:var(--navy)}.faq details p{font-size:16px;max-width:900px}.compare-wrap{overflow:auto;max-width:100%;border:1px solid var(--line);border-radius:9px}.compare-table{border-collapse:collapse;width:100%;min-width:620px;background:white;font-size:15px}.compare-table caption{text-align:left;padding:15px;color:var(--muted)}.compare-table th,.compare-table td{padding:18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}.compare-table thead th{background:var(--navy);color:white;font-size:13px}.form-shell,.calculator{background:var(--mist);padding:32px;border:1px solid var(--line);border-radius:14px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.field.full{grid-column:1/-1}label{display:block;font-size:14px;font-weight:650;margin-bottom:7px;color:var(--navy)}input,select,textarea{width:100%;background:white;border:1px solid #9eb4bf;border-radius:6px;padding:12px 14px;color:var(--ink);font-size:16px;min-height:48px}input[type=checkbox]{width:20px;height:20px;min-height:0;vertical-align:middle}textarea{min-height:130px;resize:vertical}.result{background:white;padding:24px;border:1px solid var(--line);border-radius:10px;margin-top:24px}.result strong{display:block;font-size:30px;color:var(--navy)}.result p{font-size:14px;margin-bottom:10px}.site-footer{padding:55px 0 24px;background:var(--deep);color:#cbdde6;font-size:14px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}.site-footer h3{color:white;font-size:15px;letter-spacing:0;margin-bottom:18px}.site-footer a{display:block;color:#cbdde6;margin:8px 0;text-decoration:none}.site-footer a:hover{text-decoration:underline}.footer-brand{font-size:22px;font-weight:800;letter-spacing:-.04em;color:#fff;margin-bottom:14px}.footer-bottom{display:flex;justify-content:space-between;gap:25px;border-top:1px solid #2e4b5c;margin-top:35px;padding-top:20px;font-size:12px}.footer-bottom a{display:inline}.directory{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:28px}.directory a{padding:15px;border:1px solid var(--line);border-radius:7px;text-decoration:none;background:white;font-size:14px;font-weight:650}.directory a:hover{border-color:var(--teal);background:var(--mist)}.directory-search{max-width:600px}.count{font-size:13px;color:var(--muted);margin-top:8px}.sr-only,.honeypot{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%)}.chat-launch{position:fixed;bottom:22px;right:22px;border:1px solid var(--line);border-radius:30px;background:white;padding:7px 19px 7px 7px;display:flex;gap:10px;align-items:center;color:var(--navy);box-shadow:0 8px 30px #082b4326;z-index:30}.chat-launch img{width:42px;height:42px;border-radius:50%}.chat-launch span{font-size:13px;font-weight:750}.chat-panel{position:fixed;bottom:95px;right:22px;width:min(380px,calc(100vw - 30px));max-height:70vh;background:white;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);z-index:40;overflow:auto;padding:22px}.chat-panel[hidden]{display:none}.chat-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}.chat-head h2{font-size:22px;margin:0}.chat-close{background:white;border:0;font-size:25px;color:var(--navy);min-width:44px;min-height:44px}.chat-log{max-height:260px;overflow:auto;margin-bottom:16px}.bubble{padding:12px;background:var(--mist);border-radius:10px;font-size:14px;margin-bottom:10px;white-space:pre-wrap;overflow-wrap:anywhere}.bubble.user{background:var(--blue)}.chat-panel textarea{min-height:70px}.chat-panel .button{margin-top:10px}.chat-panel .note{font-size:11px;margin:10px 0 0}
@media(max-width:1050px){.brand small{display:none}.nav-links{gap:16px}.nav-links>a{font-size:13px}.hero-grid{gap:28px}.figure-note{left:-5px}.footer-grid{gap:24px}}@media(max-width:780px){.wrap,.hero-content{width:calc(100% - 36px)}.nav-wrap{height:76px}.brand img{width:170px}.mobile-toggle{display:block}.nav-links{display:none;position:absolute;left:0;right:0;top:76px;background:white;border-bottom:1px solid var(--line);padding:22px;flex-direction:column;align-items:stretch;gap:20px}.nav-links.open{display:flex}.nav-links>a{font-size:16px}.home-hero{padding:38px 0 48px}.hero-grid{grid-template-columns:1fr;gap:32px}.home-hero h1{font-size:3rem}.hero-visual{padding:0 0 30px 14px;max-width:560px}.hero-visual>img{aspect-ratio:1.55}.figure-note{padding:17px 22px;width:265px;left:0}.figure-note strong{font-size:27px}.trust-strip{gap:15px}.section{padding:46px 0}.section-head,.split,.split.reverse{grid-template-columns:1fr;gap:14px}.card-grid{grid-template-columns:1fr}.card .number{margin-bottom:18px}.steps{grid-template-columns:1fr 1fr}.cta .wrap{display:block}.hero{padding:28px 0}.hero h1{font-size:2.6rem}.footer-grid{grid-template-columns:1fr 1fr}.footer-bottom{display:block}.directory{grid-template-columns:1fr 1fr}.chat-launch{right:15px;bottom:15px}.chat-panel{right:15px;bottom:83px}.article-body .section-head{grid-template-columns:1fr;gap:10px}}@media(max-width:460px){.form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.form-shell,.calculator{padding:20px 16px}.actions .button{width:100%}.steps{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr;gap:22px}.footer-grid>div:first-child{grid-column:1/-1}.directory{grid-template-columns:1fr}.home-hero h1{font-size:2.8rem}.trust-strip{font-size:11px}.chat-launch span{display:none}.chat-launch{padding:6px}.home-hero .lead{font-size:17px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
[hidden]{display:none!important}.guide-choices{display:grid;gap:8px;margin:14px 0}.guide-choices button{background:#fff;border:1px solid var(--line);border-radius:7px;min-height:44px;text-align:left;padding:10px 12px;color:var(--navy);font-size:14px}.guide-choices button:hover{background:var(--mist)}.form-layout{display:grid;grid-template-columns:minmax(0,1.7fr) minmax(0,1fr);gap:54px}.request-explainer{position:sticky;top:28px}.request-explainer h2{font-size:2.4rem}.consent{font-size:13px;line-height:1.6;font-weight:500}.form-status{font-size:15px;margin:20px 0 0;overflow-wrap:anywhere}.request-explainer .notice{margin-bottom:20px}.article-body .hero{margin-bottom:0}.article-body .wrap>p,.article-body .wrap>ul{max-width:900px}.dark-band .notice{color:var(--ink)}.dark-band .smallprint{color:#cbdde6}.mbl-page>section[aria-labelledby]{padding:60px max(32px,calc((100% - 1180px)/2))}.mbl-page>section[aria-labelledby] h2{margin-bottom:28px}.mbl-page>section[aria-labelledby] details{border-bottom:1px solid var(--line);padding:20px 0}.mbl-page>section[aria-labelledby] summary{font-weight:700;cursor:pointer}.table-scroll{overflow-x:auto}table{border-collapse:collapse;width:100%;font-size:15px}th,td{text-align:left;padding:16px;border:1px solid var(--line);vertical-align:top}th{background:var(--mist)}@media(max-width:780px){.form-layout{grid-template-columns:1fr;gap:30px}.request-explainer{position:static}.mbl-page>section[aria-labelledby]{padding:40px 18px}}
.nav-links>a.button{color:#fff}.hero-content p{max-width:840px}