:root{--cream: #f5f8fa;--white: #ffffff;--line: #dce5ec;--line2: #e7edf2;--ink: #16323e;--body: #33424d;--muted: #5b6b76;--faint: #7f8c99;--teal: #14477d;--teal-dk: #0d3560;--amber: #1e8a5a;--amber-dk: #167048;--sand: #e3edf5;--tint: #e9f2ee;--gold: #c08a2d;--field: #b6c4d0;--serif: "Source Serif 4", Georgia, serif;--sans: "Source Sans 3", "Segoe UI", system-ui, sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--body);font-family:var(--sans);font-size:18px;line-height:1.6;-webkit-font-smoothing:antialiased}h1,h2,h3{font-family:var(--serif);color:var(--ink);margin:0;line-height:1.18}a{color:var(--teal)}a:hover{color:var(--teal-dk)}.wrap{max-width:1200px;margin:0 auto;padding:0 24px}:focus-visible{outline:3px solid var(--teal);outline-offset:2px;border-radius:4px}.skiplink{position:absolute;left:-9999px;top:0;background:var(--teal);color:#fff;padding:12px 20px;z-index:100;border-radius:0 0 8px;font-weight:700}.skiplink:focus{left:0;color:#fff}header.site{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.nav{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:14px 24px;max-width:1360px;margin:0 auto}.brand{display:flex;align-items:center;gap:10px;cursor:pointer;background:none;border:none;padding:6px 0;flex-shrink:0;text-decoration:none}.brand-name{font-family:var(--serif);font-size:26px;font-weight:700;color:var(--teal);white-space:nowrap;letter-spacing:-.2px}.links{display:flex;align-items:center;gap:2px}.navlink{background:none;border:none;font:inherit;font-size:17.5px;font-weight:700;color:var(--ink);padding:11px 12px;border-radius:8px;cursor:pointer;white-space:nowrap;text-decoration:none;display:inline-flex;align-items:center}.navlink:hover{background:var(--cream);color:var(--ink)}.navlink.on{color:var(--amber)}.caret{display:inline-block;font-size:13px;color:var(--teal);margin-left:4px;transition:transform .15s}.dd{position:relative}.dd:hover .dd-menu,.dd.open .dd-menu{display:flex}.dd.open .caret{transform:rotate(180deg)}.dd.open>.navlink{background:var(--cream)}.dd-menu{display:none;position:absolute;top:calc(100% + 6px);left:0;background:var(--white);border:1px solid var(--line);border-radius:14px;padding:10px;min-width:280px;box-shadow:0 14px 40px #12283e24;z-index:30;flex-direction:column;gap:2px}.dd:last-of-type .dd-menu{left:auto;right:0}.dd-menu a{background:none;border:none;font:inherit;text-align:left;cursor:pointer;padding:11px 14px;border-radius:10px;display:flex;flex-direction:column;gap:2px;text-decoration:none}.dd-menu a:hover{background:var(--sand)}.dd-menu a strong{font-size:16.5px;color:var(--ink)}.dd-menu a span{font-size:14px;color:var(--muted)}.burger{display:none;background:none;border:none;padding:10px;cursor:pointer}.mobilemenu{display:none;flex-direction:column;border-top:1px solid var(--line);background:var(--white);max-height:calc(100vh - 72px);overflow-y:auto}.mobilemenu.open{display:flex}.mobilemenu a{text-align:left;background:none;border:none;font:inherit;font-size:19px;font-weight:600;color:var(--ink);padding:16px 24px;border-bottom:1px solid var(--line2);cursor:pointer;text-decoration:none}.mm-label{font-size:14px;font-weight:700;letter-spacing:1px;color:var(--muted);padding:16px 24px 6px}.btn{display:inline-block;border:none;font:inherit;font-weight:700;cursor:pointer;text-align:center;border-radius:10px;white-space:nowrap;text-decoration:none}.btn-amber{background:var(--amber);color:#fff;font-size:19px;padding:16px 30px}.btn-amber:hover{background:var(--amber-dk);color:#fff}.btn-teal{background:var(--teal);color:#fff;font-size:17px;padding:13px 22px}.btn-teal:hover{background:var(--teal-dk);color:#fff}.btn-ghost{background:none;border:2px solid #fff;color:#fff;font-size:18px;padding:13px 24px}.btn-ghost:hover{background:#ffffff1f;color:#fff}.btn-block{width:100%;padding:18px}.btn[disabled]{opacity:.7;cursor:default}.band-white{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.titleband{background:#edf3f9;border-bottom:1px solid var(--line);padding:44px 0}.titleband h1{font-size:clamp(30px,3.6vw,42px)}.crumb{font-size:15px;font-weight:600;color:var(--muted);margin-bottom:10px}.crumb a{color:var(--muted);text-decoration:none}.crumb a:hover{color:var(--teal);text-decoration:underline}.lede{font-size:20px;color:#44545f;max-width:760px;margin-top:12px}.sect{padding-block:64px}.sect h2{font-size:clamp(28px,3vw,38px);margin-bottom:12px}.sect .sub{font-size:19px;color:var(--muted);margin-bottom:36px}.pagebody{padding:48px 24px 64px}.hero{display:flex;gap:48px;align-items:center;padding:64px 0 72px}.hero-copy{flex:1 1 480px;display:flex;flex-direction:column;gap:22px}.kicker{font-size:16px;font-weight:700;letter-spacing:1.5px;color:var(--gold)}.hero h1{font-size:clamp(34px,4.5vw,54px)}.hero-sub{font-size:20px;color:#44545f}.hero-cta{display:flex;gap:18px;align-items:center;flex-wrap:wrap}.ticks{display:flex;gap:22px;flex-wrap:wrap;font-size:16px;color:var(--muted)}.tick{display:flex;align-items:center;gap:7px}.photo{flex:1 1 380px;min-height:320px;background:#dfe7ee;border-radius:14px;display:flex;align-items:center;justify-content:center;font-size:17px;color:#7b8894;text-align:center;padding:20px}.cards3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px}.cards4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}.card{display:flex;flex-direction:column;gap:14px;background:var(--cream);border:1px solid var(--line);border-radius:12px;padding:30px}.card.on-cream{background:var(--white)}.card h3{font-size:23px}.card p{margin:0;font-size:17px}.card .go{background:none;border:none;font:inherit;font-size:17px;font-weight:700;color:var(--teal);cursor:pointer;text-align:left;padding:0;text-decoration:none;margin-top:auto}.card .go:hover{color:var(--amber)}.card-link{text-decoration:none;color:inherit}.card-link:hover{color:inherit}.card-link:hover .card{border-color:#c2d2df;box-shadow:0 8px 24px #12283e12}.card-sm h3{font-size:20px}.card-sm p{font-size:16px}.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px}.stepnum{width:48px;height:48px;border-radius:50%;background:var(--teal);color:#fff;display:flex;align-items:center;justify-content:center;font-size:22px;font-weight:700;margin-bottom:10px}.step h3{font-size:21px;margin-bottom:6px}.step p{margin:0;font-size:17px}.carriers{display:flex;gap:18px;flex-wrap:wrap}.chip{flex:1 1 150px;height:58px;background:#e9eef3;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:15px;color:#7b8894;text-align:center;padding:8px}.chip img{max-height:100%;max-width:100%;object-fit:contain}.eyebrow{font-size:16px;font-weight:700;letter-spacing:1.5px;color:var(--muted);margin-bottom:20px}.quoteblock{max-width:820px;margin:0 auto;text-align:center;display:flex;flex-direction:column;gap:20px;align-items:center}.quoteblock .q{font-family:var(--serif);font-size:clamp(22px,2.6vw,28px);color:var(--ink);line-height:1.5}.quoteblock .attrib{font-size:17px;font-weight:600;color:var(--muted)}.ctaband{background:var(--teal)}.ctaband-in{display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap;padding:56px 24px}.ctaband h2{color:#fff;font-size:clamp(26px,3vw,34px)}.ctaband .sub{color:#c6d8ea;font-size:19px;margin-top:8px}.ctaband .acts{display:flex;gap:16px;flex-wrap:wrap}footer.site{background:var(--ink);color:#c3d1df}.foot{padding:48px 24px 32px;display:flex;justify-content:space-between;align-items:flex-start;gap:40px 56px;flex-wrap:wrap}.foot-brand-col{max-width:320px;display:flex;flex-direction:column;gap:14px}.foot-brandrow{display:flex;align-items:center;gap:10px}.footbrand{font-family:var(--serif);font-size:21px;font-weight:700;color:#fff}.footmeta{font-size:15.5px;line-height:1.65;color:#9fb0c2;margin:0}.foot-contact{display:flex;flex-direction:column;gap:2px;font-size:15.5px;line-height:1.55;color:#9fb0c2;font-style:normal}.foot-contact .phone{font-size:20px;font-weight:700;color:#fff;text-decoration:none;font-family:var(--serif);margin-bottom:2px}.foot-contact .phone:hover{color:#e2ce9a}.foot-cta{align-self:flex-start;font-size:16px;padding:13px 22px;margin-top:4px}.footcols{display:flex;gap:48px;flex-wrap:wrap;font-size:15px}.footcol{display:flex;flex-direction:column;gap:13px}.footcol .h{font-weight:700;color:#fff}.footcol a{background:none;border:none;font:inherit;color:#c3d1df;text-align:left;padding:0;cursor:pointer;text-decoration:none}.footcol a:hover{color:#fff;text-decoration:underline}.legal{border-top:1px solid #24405c;padding:20px 24px 40px;font-size:13.5px;line-height:1.6;color:#7e93a8}.article-layout{display:flex;gap:48px;align-items:flex-start;padding:56px 24px}.article{flex:1 1 560px;display:flex;flex-direction:column;gap:24px;max-width:780px}.article h2{font-size:29px}.article p{margin:0;font-size:18.5px;line-height:1.7}.parts{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:26px 30px}.partrow{display:flex;gap:16px;align-items:baseline;padding:14px 0;border-bottom:1px solid var(--line2)}.partrow:last-child{border-bottom:none}.partrow .p{min-width:76px;font-size:20px;font-weight:700;color:#b08023}.callout{background:var(--sand);border-radius:12px;padding:24px 28px;display:flex;gap:16px;align-items:flex-start;font-size:17px;color:#24466b}.article-cta{background:var(--teal);border-radius:14px;padding:32px;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}.article-cta .t{font-family:var(--serif);font-size:23px;font-weight:700;color:#fff}.article-cta .s{font-size:17px;color:#c6d8ea;margin-top:6px}.sidebar{flex:0 1 320px;display:flex;flex-direction:column;gap:24px;position:sticky;top:96px}.sidecard{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:24px;display:flex;flex-direction:column;gap:12px}.sidecard .h{font-size:19px;font-weight:700;color:var(--ink)}.sidecard a{background:none;border:none;font:inherit;font-size:17px;color:var(--teal);text-align:left;padding:0;cursor:pointer;text-decoration:none}.sidecard a:hover{color:var(--amber)}.sidecard .here{font-size:17px;color:var(--amber);font-weight:600}.sidecall{background:var(--sand);border:none;text-align:center;align-items:center}.cmp{background:var(--white);border:1px solid var(--line);border-radius:14px;overflow:hidden;margin-top:8px}.cmp-scroll{overflow-x:auto}.cmp-grid{display:grid;grid-template-columns:1.1fr 1.2fr 1.2fr;min-width:720px}.cmp-h{background:var(--teal);color:#fff;padding:20px 26px;font-size:19px;font-weight:700}.cmp-h .small{display:block;font-size:14px;font-weight:600;color:#c6d8ea;margin-top:2px}.cmp-h.dim{color:#c6d8ea;font-size:17px}.cmp-k{background:var(--cream);padding:18px 26px;font-size:17.5px;font-weight:700;color:var(--ink);border-top:1px solid var(--line2)}.cmp-c{padding:18px 26px;font-size:17px;border-top:1px solid var(--line2);border-left:1px solid var(--line2)}.guidance{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;background:var(--white);border:1px solid var(--line);border-radius:14px;padding:28px 32px;margin-top:32px}.guidance .txt{flex:1 1 420px;font-size:18px}.guidance .txt strong{color:var(--ink)}.pillrow{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}.pill{display:inline-flex;align-items:center;gap:10px;border:2px solid var(--field);border-radius:10px;padding:13px 16px;font-size:16px;font-weight:600;color:#44545f;background:#fff;text-decoration:none}.pill:hover{border-color:var(--teal);color:var(--teal)}.quote-layout{display:flex;gap:48px;align-items:flex-start;padding:56px 24px;flex-wrap:wrap}.reassure{flex:1 1 380px;display:flex;flex-direction:column;gap:24px;max-width:520px}.reassure h1{font-size:clamp(32px,4vw,44px)}.reassure>p{margin:0;font-size:19px}.point{display:flex;gap:14px;align-items:flex-start;font-size:17.5px}.formcard{flex:1 1 440px;max-width:600px;background:var(--white);border:1px solid var(--line);border-radius:16px;padding:36px;display:flex;flex-direction:column;gap:22px}.frow{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.field{display:flex;flex-direction:column;gap:7px}.field label{font-size:16px;font-weight:700;color:var(--ink)}.field input,.field textarea{border:2px solid var(--field);border-radius:10px;padding:0 16px;font:inherit;font-size:17px;color:var(--ink);background:#fff}.field input{height:54px}.field textarea{min-height:140px;padding:14px 16px;resize:vertical}.field input:focus,.field textarea:focus{outline:none;border-color:var(--teal)}.field input[aria-invalid=true],.field textarea[aria-invalid=true]{border-color:#b4432f}.field .err{font-size:14.5px;font-weight:600;color:#b4432f}.grouplabel{font-size:16px;font-weight:700;color:var(--ink);margin-bottom:10px}.helpgrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.helpopt{display:flex;align-items:center;gap:10px;border:2px solid var(--field);border-radius:10px;padding:13px 14px;font-size:16px;font-weight:600;color:#44545f;cursor:pointer;background:#fff;font-family:inherit;text-align:left}.helpopt.sel{border-color:var(--teal);background:var(--tint);color:var(--teal)}.famrow{display:flex;gap:9px;flex-wrap:wrap}.fam{width:52px;height:50px;border:2px solid var(--field);border-radius:10px;background:#fff;font:inherit;font-size:17px;font-weight:700;color:#44545f;cursor:pointer}.fam.wide{width:auto;padding:0 14px}.fam.sel{background:var(--teal);border-color:var(--teal);color:#fff}.famlabels{display:flex;justify-content:space-between;font-size:14px;color:var(--faint);margin-top:6px}.consent{font-size:13.5px;line-height:1.55;color:var(--faint)}.formerror{background:#fbecea;border:1px solid #e3b8b0;border-radius:10px;padding:14px 16px;font-size:16px;color:#8f3323}.thanks{display:flex;flex-direction:column;gap:16px;align-items:center;text-align:center;padding:40px 10px}.thanks h2{font-size:26px}.thanks p{margin:0;font-size:18px}.thanks .note{font-size:15px;color:var(--faint)}.faq{padding:8px 30px}.faq-row{border-bottom:1px solid var(--line2)}.faq-row:last-child{border-bottom:none}.faq h2{margin:0}.faq-q{width:100%;display:flex;gap:16px;align-items:center;justify-content:space-between;background:none;border:none;font-family:var(--sans);line-height:1.6;font-size:19px;font-weight:700;color:var(--ink);text-align:left;padding:20px 0;cursor:pointer}.faq-q .caret{flex-shrink:0;font-size:15px}.faq-q[aria-expanded=true] .caret{transform:rotate(180deg)}.faq-a{padding:0 0 20px;font-size:17.5px;max-width:780px}.prose p{font-size:18.5px;line-height:1.7}.placeholder-note{color:var(--faint);font-style:italic}.notfound{padding:96px 24px;text-align:center;display:flex;flex-direction:column;align-items:center;gap:20px}.notfound h1{font-size:clamp(32px,4vw,46px)}@media (max-width: 1420px){.navlink{font-size:16px;padding:10px 8px}.btn-teal{font-size:16px;padding:12px 16px}.brand-name{font-size:22px}.nav{gap:8px}}@media (max-width: 1240px){.links{display:none}.burger{display:block}}@media (max-width: 430px){.brand-name{font-size:20px}.nav{padding:12px 16px}.burger{padding:10px 0 10px 10px}}@media (max-width: 900px){.cards3,.cards4,.steps{grid-template-columns:1fr}.hero{flex-direction:column;padding:40px 0 48px}.photo{width:100%}.article-layout{flex-direction:column}.sidebar{position:static;width:100%;flex:1 1 auto}.frow,.helpgrid{grid-template-columns:1fr}.foot{flex-direction:column}.footcols{gap:32px}}@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto}*{transition-duration:.01ms!important}}