@import url('https://fonts.googleapis.com/css2?family=IBM+Plex+Sans:wght@400;500;600;700&display=swap');
:root{--navy:#123b5d;--navy-deep:#0c2b43;--teal:#2d8c7b;--teal-dark:#21695e;--ink:#1d2b36;--muted:#5c6a73;--paper:#fbfcfa;--mist:#edf3f1;--line:#d7e0df;--white:#fff;--amber:#d9a441;--font:'IBM Plex Sans',Arial,sans-serif;--max:1160px;--radius:8px;--shadow:0 18px 50px rgba(18,59,93,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--font);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}a{color:var(--teal-dark);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:var(--navy);text-decoration-thickness:2px}button,input,select,textarea{font:inherit}img,svg{max-width:100%}.section-shell{width:min(var(--max),calc(100% - 48px));margin-inline:auto}.skip-link{position:absolute;top:-100px;left:16px;z-index:100;padding:12px 16px;background:var(--navy);color:#fff}.skip-link:focus{top:12px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.site-header{position:relative;z-index:10;background:rgba(251,252,250,.96);border-bottom:1px solid rgba(18,59,93,.10)}.header-inner{width:min(var(--max),calc(100% - 48px));min-height:82px;margin-inline:auto;display:flex;align-items:center;justify-content:space-between;gap:32px}.brand{display:inline-flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy);flex:none}.brand-mark{display:grid;place-items:center;width:42px;height:42px;border:1px solid var(--teal);border-radius:50% 50% 50% 8px;color:var(--navy);font-size:15px;font-weight:700;letter-spacing:-.07em;transform:rotate(-4deg)}.brand-copy{display:flex;flex-direction:column;line-height:1.12;letter-spacing:.01em}.brand-copy strong{font-weight:700;font-size:15px}.brand-copy span{font-size:12px;color:var(--muted);letter-spacing:.12em;text-transform:uppercase;margin-top:4px}.site-nav{display:flex;align-items:center;gap:27px}.site-nav a{font-size:13px;font-weight:600;color:var(--ink);text-decoration:none;white-space:nowrap}.site-nav a:hover,.site-nav a[aria-current=page]{color:var(--teal-dark)}.site-nav a[aria-current=page]{text-decoration:underline;text-underline-offset:7px}.site-nav .nav-cta{padding:10px 14px;color:white;background:var(--navy);border-radius:4px}.site-nav .nav-cta:hover{background:var(--teal-dark);color:white}.menu-toggle{display:none;border:1px solid var(--line);width:42px;height:42px;border-radius:4px;background:white;color:var(--navy)}
.hero{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(340px,.8fr);align-items:center;gap:7.5%;padding-top:80px;padding-bottom:92px}.hero-copy{max-width:650px}.eyebrow{display:flex;align-items:center;gap:10px;margin:0 0 18px;color:var(--teal-dark);font-size:11px;font-weight:700;letter-spacing:.16em;line-height:1.4;text-transform:uppercase}.eyebrow-dot{width:8px;height:8px;border-radius:50%;background:var(--teal);box-shadow:0 0 0 4px rgba(45,140,123,.12)}h1,h2,h3,p{margin-top:0}h1,h2,h3{color:var(--navy);line-height:1.13;letter-spacing:-.035em}h1{max-width:760px;margin-bottom:22px;font-size:clamp(2.7rem,5.7vw,4.7rem);font-weight:600}h2{font-size:clamp(1.8rem,3vw,2.65rem);font-weight:600;margin-bottom:18px}h3{font-size:1.28rem;font-weight:600;margin-bottom:12px}.hero-lede{max-width:680px;margin-bottom:27px;color:#4d606b;font-size:clamp(1.08rem,1.6vw,1.25rem);line-height:1.62}.hero-actions{display:flex;align-items:center;flex-wrap:wrap;gap:12px}.button{display:inline-flex;align-items:center;justify-content:center;gap:14px;min-height:48px;padding:12px 18px;border:1px solid transparent;border-radius:4px;font-size:14px;font-weight:600;line-height:1.25;text-decoration:none;transition:background-color .18s ease,border-color .18s ease,transform .18s ease}.button:hover{transform:translateY(-1px);text-decoration:none}.button-primary{background:var(--navy);color:white}.button-primary:hover{background:var(--teal-dark);color:white}.button-secondary{background:transparent;border-color:#bdcccb;color:var(--navy)}.button-secondary:hover{border-color:var(--teal);background:#f1f7f5;color:var(--navy)}.button-light{background:white;color:var(--navy)}.button-light:hover{background:#eaf3f0;color:var(--navy)}.button-outline-light{border-color:rgba(255,255,255,.65);color:white;background:transparent}.button-outline-light:hover{background:rgba(255,255,255,.12);color:white}.source-note{max-width:560px;margin:19px 0 0;color:#6b797f;font-size:12px;line-height:1.55}.source-note-box{display:flex;gap:12px;align-items:flex-start;max-width:790px;margin-top:27px;padding:15px 18px;border-left:3px solid var(--teal);background:#f0f5f3}.source-note-box strong{color:var(--navy);white-space:nowrap}.source-note-box span{font-size:14px;color:var(--muted)}
.hero-panel{position:relative;padding:23px 27px 20px;background:white;border:1px solid var(--line);border-top:4px solid var(--teal);box-shadow:var(--shadow)}.hero-panel:after{position:absolute;content:"";right:-11px;top:42px;bottom:-12px;width:1px;background:var(--teal);opacity:.55}.panel-topline{display:flex;justify-content:space-between;padding-bottom:17px;border-bottom:1px solid var(--line);color:#71818a;font-size:10px;font-weight:700;letter-spacing:.14em}.mini-step{display:grid;grid-template-columns:38px 1fr 20px;align-items:start;gap:14px;padding:19px 0;border-bottom:1px solid #e8edec}.step-index{color:var(--teal);font-size:12px;font-weight:700;letter-spacing:.08em}.mini-step strong{display:block;color:var(--navy);font-size:15px;margin-top:-4px}.mini-step p{margin:5px 0 0;color:var(--muted);font-size:12px;line-height:1.45}.step-status{color:var(--teal);font-size:17px}.panel-foot{display:flex;gap:11px;align-items:flex-start;margin-top:16px;color:#68767d;font-size:11px;line-height:1.45}.panel-foot-mark{display:grid;place-items:center;flex:none;width:18px;height:18px;border:1px solid var(--teal);border-radius:50%;color:var(--teal);font-size:11px;font-weight:700}
.intro-band{padding:55px 0;background:var(--mist);border-top:1px solid #e1e9e6;border-bottom:1px solid #e1e9e6}.intro-grid{display:grid;grid-template-columns:.8fr 1.2fr 1fr;align-items:start;gap:38px}.intro-grid .eyebrow{margin-top:5px}.intro-grid h2{max-width:450px;margin:0;font-size:clamp(1.75rem,3vw,2.5rem)}.intro-grid>p:last-child{margin:2px 0 0;color:var(--muted);font-size:15px}.content-section{padding-top:79px;padding-bottom:86px}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:30px}.section-heading .eyebrow{margin-bottom:12px}.section-heading h2{margin-bottom:0}.text-link{display:inline-flex;align-items:center;gap:9px;font-size:14px;font-weight:600;text-decoration:none}.card-row{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card-row-two{grid-template-columns:repeat(2,1fr)}.info-card{min-height:225px;padding:25px 24px 23px;background:white;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 8px 22px rgba(18,59,93,.035)}.card-number{display:block;margin-bottom:27px;color:var(--teal);font-size:12px;font-weight:700;letter-spacing:.13em}.info-card p{min-height:68px;color:var(--muted);font-size:14px;line-height:1.55}.info-card a{display:inline-flex;gap:9px;align-items:center;font-size:13px;font-weight:600;text-decoration:none}.fine-print{color:#68767d;font-size:12px;line-height:1.55}.callout-section{padding:52px 0;background:var(--navy);color:white}.callout-inner{display:flex;align-items:center;justify-content:space-between;gap:40px}.callout-inner>div:first-child{max-width:690px}.callout-inner .eyebrow{color:#94d3c7}.callout-inner h2{color:white;margin-bottom:12px}.callout-inner p:not(.eyebrow){max-width:620px;margin-bottom:0;color:#d6e1e7}.callout-actions{display:flex;flex-wrap:wrap;gap:10px}.source-strip{display:flex;align-items:center;gap:25px;flex-wrap:wrap;padding-top:25px;padding-bottom:29px;border-top:1px solid var(--line)}.source-strip p{margin:0;color:#7a878c;font-size:10px;font-weight:700;letter-spacing:.14em;text-transform:uppercase}.source-strip a{font-size:12px;font-weight:600;text-decoration:none}
.page-hero{padding-top:68px;padding-bottom:57px}.page-hero h1{max-width:850px;font-size:clamp(2.45rem,5vw,4rem)}.page-hero .hero-lede{max-width:780px}.split-section{display:grid;grid-template-columns:.82fr 1.18fr;gap:9%;padding-top:51px;padding-bottom:61px;border-top:1px solid var(--line)}.split-section h2{max-width:430px}.prose p{margin-bottom:18px;color:#50616b}.prose p:last-child{margin-bottom:0}.page-hero+.split-section{margin-top:0}.page-hero+.content-section{padding-top:19px}.page-hero+.faq-section{padding-top:6px}.fine-print a{color:var(--teal-dark)}.callout-section+.source-strip{border-top:0}.process-section{padding-top:12px;padding-bottom:60px}.process-list{max-width:920px;margin-left:min(8.3vw,100px);border-left:1px solid #c9d8d5}.process-item{position:relative;display:grid;grid-template-columns:58px 1fr;gap:23px;padding:0 0 44px 0}.process-item:last-child{padding-bottom:15px}.process-marker{position:absolute;left:-23px;top:0;width:46px;height:46px;display:grid;place-items:center;background:var(--paper);border:1px solid var(--teal);border-radius:50%;color:var(--navy);font-size:12px;font-weight:700}.process-content{grid-column:2;padding-left:17px}.process-content .eyebrow{margin-bottom:11px}.process-content h2{font-size:clamp(1.45rem,2.3vw,2rem);margin-bottom:12px}.process-content p{max-width:780px;color:#52626b}.process-content a{display:inline-flex;gap:9px;margin-top:3px;font-size:13px;font-weight:600;text-decoration:none}.note-panel{display:flex;align-items:flex-start;gap:18px;margin-top:9px;margin-bottom:57px;padding:25px 28px;border:1px solid #bfd4cf;background:#f0f6f3}.note-icon{display:grid;place-items:center;flex:none;width:27px;height:27px;border:1px solid var(--teal);border-radius:50%;color:var(--teal);font-weight:700}.note-panel h2{margin:1px 0 8px;font-size:1.35rem}.note-panel p{margin:0;color:var(--muted);font-size:14px}.note-panel .text-link{margin-top:12px}.faq-section{max-width:900px;padding-top:5px;padding-bottom:70px}.faq-item{border-bottom:1px solid var(--line)}.faq-item:first-child{border-top:1px solid var(--line)}.faq-item summary{position:relative;list-style:none;padding:22px 42px 22px 4px;color:var(--navy);font-size:17px;font-weight:600;cursor:pointer}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";position:absolute;right:7px;top:17px;color:var(--teal);font-size:24px;font-weight:400}.faq-item[open] summary:after{content:"−"}.faq-item summary:focus-visible{outline:2px solid var(--teal);outline-offset:3px}.faq-answer{padding:0 34px 19px 4px;color:#53636b}.faq-answer p{margin:0;font-size:14px}.faq-answer a{font-weight:600}.contact-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:8%;padding-top:16px;padding-bottom:82px}.contact-info{padding-top:12px}.contact-info h2,.form-intro h2{font-size:1.8rem}.contact-info>p:not(.eyebrow){color:var(--muted)}.contact-email{display:inline-block;margin:11px 0 18px;color:var(--navy);font-size:15px;font-weight:600;text-decoration:none;overflow-wrap:anywhere}.contact-caution{margin-top:44px;padding:18px 19px;border-left:3px solid var(--amber);background:#f5f3ec}.contact-caution strong{color:var(--navy);font-size:13px}.contact-caution p{margin:6px 0 0;color:var(--muted);font-size:12px}.form-panel{padding:29px;background:white;border:1px solid var(--line);box-shadow:var(--shadow)}.form-intro p:not(.eyebrow){color:var(--muted);font-size:13px}.form-intro h2{margin-bottom:11px}.form-panel form{display:grid;gap:15px}.form-panel label{display:grid;gap:6px;color:var(--navy);font-size:12px;font-weight:600}.form-panel input,.form-panel select,.form-panel textarea{width:100%;min-height:44px;padding:10px 12px;border:1px solid #c8d3d1;border-radius:3px;background:#fff;color:var(--ink);font-size:14px}.form-panel textarea{resize:vertical}.form-panel input:focus,.form-panel select:focus,.form-panel textarea:focus{outline:2px solid rgba(45,140,123,.35);border-color:var(--teal)}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}.form-panel .button{justify-self:start;cursor:pointer}.form-feedback{min-height:1px;margin:0;color:var(--teal-dark);font-size:13px}.form-panel .fine-print{margin:0}.legal-content{max-width:850px;padding-bottom:84px}.legal-content h2{margin-top:35px;margin-bottom:12px;font-size:1.35rem}.legal-content h2:first-child{margin-top:0}.legal-content p{color:#51616b}.legal-content a{font-weight:600}
.site-footer{background:#f0f4f2;border-top:1px solid var(--line)}.footer-main{display:grid;grid-template-columns:.7fr 1.15fr 1fr;gap:35px;align-items:start;padding-top:35px;padding-bottom:32px}.brand-footer{align-self:start}.footer-main>p{margin:1px 0;color:#637179;font-size:12px;line-height:1.55}.footer-links{display:grid;grid-template-columns:repeat(2,1fr);gap:9px 18px}.footer-links a{color:#4e606a;font-size:12px;text-decoration:none}.footer-links a:hover{text-decoration:underline}.footer-bottom{display:flex;justify-content:space-between;gap:20px;padding-top:15px;padding-bottom:19px;border-top:1px solid #dce4e1;color:#758188;font-size:10px}
@media(max-width:1000px){.site-nav{gap:16px}.site-nav a{font-size:12px}.hero{gap:5%;grid-template-columns:1fr .9fr}.intro-grid{grid-template-columns:1fr 1.25fr;gap:22px}.intro-grid>p:last-child{grid-column:2}.footer-main{grid-template-columns:.75fr 1.25fr}.footer-links{grid-column:2}.contact-layout{gap:5%}}
@media(max-width:760px){.section-shell,.header-inner{width:min(100% - 36px,var(--max))}.header-inner{min-height:70px}.menu-toggle{display:grid;place-items:center;cursor:pointer}.menu-lines,.menu-lines:before,.menu-lines:after{display:block;width:18px;height:2px;background:var(--navy);position:relative;transition:transform .18s ease}.menu-lines:before,.menu-lines:after{content:"";position:absolute;left:0}.menu-lines:before{top:-6px}.menu-lines:after{top:6px}.menu-toggle[aria-expanded=true] .menu-lines{background:transparent}.menu-toggle[aria-expanded=true] .menu-lines:before{top:0;transform:rotate(45deg)}.menu-toggle[aria-expanded=true] .menu-lines:after{top:0;transform:rotate(-45deg)}.site-nav{display:none;position:absolute;top:69px;left:0;right:0;padding:15px 18px 21px;background:var(--paper);border-bottom:1px solid var(--line);box-shadow:0 12px 20px rgba(18,59,93,.08)}.site-nav.is-open{display:flex;align-items:stretch;flex-direction:column;gap:0}.site-nav a{padding:12px 4px;font-size:14px}.site-nav .nav-cta{margin-top:8px;padding:12px}.hero{grid-template-columns:1fr;padding-top:57px;padding-bottom:62px;gap:43px}.hero-panel{max-width:560px}.hero h1{font-size:clamp(2.55rem,11vw,3.7rem)}.hero-panel:after{right:-6px;bottom:-7px}.intro-band{padding:39px 0}.intro-grid{grid-template-columns:1fr;gap:14px}.intro-grid>p:last-child{grid-column:auto}.intro-grid h2{max-width:560px}.content-section{padding-top:55px;padding-bottom:59px}.section-heading{align-items:flex-start;flex-direction:column}.card-row,.card-row-two{grid-template-columns:1fr}.info-card{min-height:0;padding:22px}.info-card p{min-height:0}.card-number{margin-bottom:17px}.callout-inner{align-items:flex-start;flex-direction:column;gap:24px}.callout-section{padding:42px 0}.source-strip{gap:13px 21px}.source-strip p{flex-basis:100%}.page-hero{padding-top:52px;padding-bottom:38px}.page-hero h1{font-size:clamp(2.35rem,10vw,3.4rem)}.split-section{grid-template-columns:1fr;gap:10px;padding-top:36px;padding-bottom:43px}.process-list{margin-left:22px}.process-item{grid-template-columns:36px 1fr;gap:6px;padding-bottom:34px}.process-marker{left:-22px;width:43px;height:43px}.process-content{padding-left:11px}.process-content h2{font-size:1.48rem}.note-panel{padding:20px;margin-bottom:43px}.faq-section{padding-bottom:47px}.faq-item summary{font-size:15px;padding-top:18px;padding-bottom:18px}.faq-item summary:after{top:13px}.contact-layout{grid-template-columns:1fr;gap:37px;padding-bottom:55px}.contact-caution{margin-top:24px}.form-panel{padding:21px 18px}.field-row{grid-template-columns:1fr;gap:15px}.legal-content{padding-bottom:58px}.footer-main{grid-template-columns:1fr;gap:20px}.footer-links{grid-column:auto}.footer-bottom{flex-direction:column;gap:5px}.brand-mark{width:38px;height:38px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}