:root{--navy:#102d43;--deep:#0b2234;--blue:#087989;--teal:#9bd9d2;--cream:#f4f4ec;--ink:#152f42;--muted:#556774;--line:#dbe3e5;--white:#fff;--radius:4px;--max:1256px;font-family:Arial,Helvetica,sans-serif;color:var(--ink);font-synthesis:none}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:105px}body{margin:0;background:#fff;font-size:16px;line-height:1.6}a{color:inherit}button,input,select,textarea{font:inherit}button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}img{display:block;max-width:100%}a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid 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a{color:var(--blue);text-decoration:none;font-weight:600}.check-field{display:flex;align-items:flex-start;gap:12px;font-size:13px;color:var(--muted);margin-bottom:22px}.check-field input{margin-top:5px;width:17px;height:17px;flex-shrink:0;accent-color:var(--blue)}.form-explainer{font-size:12px;color:var(--muted);margin-top:16px}.review-panel{padding:32px;border:1px solid #91bdb7;border-radius:4px;background:#f0f8f6;scroll-margin-top:130px}.review-panel h2{font-size:31px;margin-bottom:15px}.review-panel pre{white-space:pre-wrap;word-break:break-word;font:14px/1.8 Arial,Helvetica,sans-serif;border-top:1px solid #c4dcd7;padding-top:20px}.review-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:25px}.review-status{min-height:26px;font-size:13px;color:var(--blue);margin-top:15px}.text-button{border:0;background:none;color:var(--blue);text-decoration:underline;padding:8px 0;font-size:13px}.reading{max-width:840px;margin:auto}.reading h2{font-size:29px;margin:40px 0 18px}.reading 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@media(min-width:1600px){.hero-grid{min-height:700px}.hero-photo{height:520px}}
@media(max-width:1100px){.wrap{width:calc(100% - 60px)}.nav{gap:20px}.hero-grid{gap:40px;min-height:600px}.hero-photo{height:450px}.hero h1{font-size:61px}.image-caption{left:-15px;right:15px;padding:20px}.split{gap:50px}.format-card{padding:25px 21px}.footer-grid{gap:30px}.faq-layout{gap:55px}.form-grid{gap:40px}.price-card{padding:25px}.hero-actions{gap:20px}.process-grid{gap:45px}}
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@media(max-width:640px){.wrap{width:calc(100% - 40px)}.topline .wrap{min-height:31px}.topline .wrap span{max-width:250px;line-height:1.3;font-size:9px;letter-spacing:0}.topline a{font-size:10px}.header-inner{height:78px}.brand img{width:120px}.nav{top:78px;padding:14px 20px 24px}.hero-grid{grid-template-columns:1fr;gap:37px;padding:46px 0 38px;min-height:0}.hero h1{font-size:clamp(43px,12vw,57px);letter-spacing:-.05em}.hero .eyebrow{font-size:10px;letter-spacing:.13em;margin-bottom:19px}.hero .lead{font-size:16px;line-height:1.65;margin-top:22px}.hero-actions{margin-top:26px;gap:22px}.hero-actions .button{font-size:13px;padding:13px 18px;gap:17px}.hero .text-link{font-size:13px}.hero-note{margin-top:22px;font-size:11px}.hero-visual{padding-bottom:28px}.hero-photo{height:315px;border-radius:70px 3px 3px 3px;object-position:60% 52%}.image-caption{left:17px;right:17px;bottom:0;padding:18px;gap:17px}.image-caption strong{font-size:15px}.image-caption span.small{font-size:11px}.trust-grid{gap:13px;padding:24px 0;grid-template-columns:1fr}.trust-title{font-size:10px;margin-bottom:3px}.trust-item{border:0;padding-left:0;font-size:13px}.trust-item span{display:inline-block;width:15px}.section{padding:60px 0}.eyebrow{font-size:10px;margin-bottom:17px}.split{grid-template-columns:1fr;gap:22px}.intro-copy{padding-top:0}.intro-copy p{font-size:15px}.intro-copy .text-link{margin-top:19px}.section-head{display:block;margin-bottom:30px}.section-head p{margin-top:20px;font-size:15px}.section-head .text-link{margin-top:20px}.format-card{min-height:255px;padding:21px 18px}.format-card h3{font-size:20px}.format-card p{font-size:13px;margin-top:14px}.format-top svg{width:25px;height:25px}.format-card .card-link{font-size:12px}.note-row{display:block;font-size:13px}.note-row a{display:inline-block;margin-top:12px}.steps{grid-template-columns:1fr 1fr;gap:35px 25px;margin-top:35px}.steps h3{font-size:20px}.steps p{font-size:13px}.step-num{padding-bottom:15px;margin-bottom:20px}.process-footer{display:block;margin-top:30px}.process-footer p{margin-top:18px}.price-grid{grid-template-columns:1fr;gap:22px}.price-card{padding:30px}.price-card h3{font-size:23px}.price-card p{font-size:15px;min-height:0;margin-bottom:22px}.price{font-size:62px}.price-card ul{font-size:14px}.price-card .button{width:100%}.quote-strip{display:block;padding:25px 0}.quote-strip .text-link{margin-top:17px}.quote-layout{grid-template-columns:1fr;gap:28px}.portrait{width:90px;height:100px}.quote-section blockquote{font-size:24px}.quote-attribution{margin-top:22px}.faq-layout{gap:30px}.faq-layout .text-link{margin-top:15px}summary{font-size:16px;padding:23px 30px 23px 0}details>div{font-size:14px;padding-right:10px}.cta{padding:45px 0}.cta-inner{display:block}.cta h2{font-size:32px}.cta p{font-size:15px}.cta .button{margin-top:26px}.footer{padding:45px 0 22px}.footer-grid{grid-template-columns:1fr 1fr;gap:32px 22px}.footer-brand{grid-column:1/-1}.footer-brand p{max-width:400px}.footer h3{font-size:13px;margin:0 0 18px}.footer li,.footer address{font-size:12px}.footer-grid>div:last-child{grid-column:1/-1}.footer-bottom{flex-direction:column;gap:10px;margin-top:35px}.page-hero{padding:30px 0 46px}.breadcrumb{font-size:11px;margin-bottom:28px}.page-hero h1{font-size:43px}.page-hero .lead{font-size:16px;margin-top:20px}.criteria{grid-template-columns:1fr;margin-top:25px}.criterion{padding:26px 0;gap:20px}.criterion h3{font-size:22px}.criterion p{font-size:14px}.detail-row{grid-template-columns:1fr;gap:24px;padding:32px 0}.detail-row h2{font-size:28px}.detail-row p{font-size:15px}.detail-row .text-link{margin-top:18px}.detail-row .check-list li{font-size:14px}.process-grid{grid-template-columns:1fr;gap:36px}.flow-list li{gap:20px;grid-template-columns:42px 1fr;padding:28px 0}.flow-list li:before{font-size:26px}.flow-list h3{font-size:24px}.flow-list p{font-size:15px}.side-panel{padding:28px}.calculator{grid-template-columns:1fr;padding:25px;gap:15px}.calculator h3{font-size:26px}.calc-total{padding:25px}.two-fields{grid-template-columns:1fr;gap:0}.form-grid{gap:35px}.form-section legend{font-size:23px}.contact-aside{grid-template-columns:1fr;gap:20px}.review-panel{padding:23px}.review-panel h2{font-size:27px}.review-actions{gap:10px}.review-actions .button{width:100%}.info-box{padding:23px;font-size:13px}.filter-row{gap:8px}.filter-row a{font-size:12px;padding:8px 12px}.reading p,.reading li{font-size:15px}.reading h2{font-size:27px}html{scroll-padding-top:95px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}
.resource-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.resource-card{border:1px solid var(--line);padding:32px;display:flex;flex-direction:column;align-items:flex-start;border-radius:4px}.resource-type{font-size:11px;color:var(--blue);letter-spacing:.02em;margin-bottom:28px}.resource-card h3{font-size:25px}.resource-card p{font-size:15px;color:var(--muted);margin:20px 0 30px}.resource-card .button,.resource-card .text-link{margin-top:auto}.topic-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:35px}.topic-card{padding:28px 0;border-top:1px solid var(--line)}.topic-card .num{display:block;color:var(--blue);font-size:12px;margin-bottom:25px}.topic-card h3{font-size:24px}.topic-card p{color:var(--muted);font-size:15px;margin:17px 0 20px}.topic-card .text-link{font-size:13px}.journey-band{padding:55px 0;background:white}.journey-grid{display:grid;grid-template-columns:1fr 1fr;gap:65px}.journey-grid>div+div{border-left:1px solid var(--line);padding-left:65px}.journey-grid h3{font-size:29px}.journey-grid .text-link{margin-top:19px}.journey-grid .eyebrow{margin-bottom:14px}.nav{gap:24px}.nav a{font-size:13px}
@media(max-width:1100px){.nav{gap:17px}.header-inner{gap:24px}.resource-card{padding:25px}.resource-card .button{font-size:13px;padding:13px 16px;gap:14px}}
@media(max-width:900px){.nav{gap:0}.resource-grid{grid-template-columns:1fr}.resource-card p{max-width:600px}.resource-type{margin-bottom:20px}.topic-grid{grid-template-columns:repeat(2,1fr);gap:30px}.journey-grid{gap:35px}.journey-grid>div+div{padding-left:35px}.journey-grid h3{font-size:25px}}
@media(max-width:640px){.topic-grid{grid-template-columns:1fr;gap:8px}.journey-grid{grid-template-columns:1fr;gap:30px}.journey-grid>div+div{padding-left:0;border-left:0;border-top:1px solid var(--line);padding-top:30px}.journey-band{padding:40px 0}.resource-card{padding:28px}.topic-card h3{font-size:24px}}