:root{--navy:#14284b;--navy2:#0d1c36;--org:#ee7a1c;--org2:#c75f0a;--sky:#e8eef8;--bg:#f5f7fb;--white:#fff;--ink:#17233a;--mut:#56627a;--line:#d5ddeb}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.65 "Trebuchet MS","Segoe UI",Roboto,Arial,sans-serif}
img{max-width:100%;height:auto;display:block}
a{color:#0f4aa8}a:hover{color:var(--org2)}
h1,h2,h3{font-family:"Palatino Linotype",Palatino,Georgia,serif;line-height:1.18;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(1.9rem,4.4vw,3rem)}h2{font-size:clamp(1.35rem,2.5vw,1.8rem)}h3{font-size:1.15rem}
p{margin:0 0 1em}
.wrap{max-width:1160px;margin:0 auto;padding:0 18px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:6px 10px;z-index:9}
.tel,.nw{white-space:nowrap}
.hh{background:var(--navy);border-bottom:4px solid var(--org)}
.hh .bar{display:flex;align-items:center;gap:22px;padding-top:12px;padding-bottom:12px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff;font-family:"Palatino Linotype",Palatino,Georgia,serif;font-size:1.55rem;font-weight:700;letter-spacing:.01em}
.brand svg{width:36px;height:36px;flex:none}
nav.mainnav{flex:1}
nav.mainnav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px}
nav.mainnav a{display:block;text-decoration:none;color:#dbe5f7;font-weight:600;font-size:.97rem;white-space:nowrap;padding:8px 12px;border-bottom:3px solid transparent}
nav.mainnav a:hover{color:#fff}
nav.mainnav a[aria-current=page]{color:#fff;border-bottom-color:var(--org)}
.cta-top{background:var(--org);color:#1b1206;text-decoration:none;padding:9px 16px;font-weight:700;font-size:.92rem;white-space:nowrap}
.cta-top:hover{background:#ff9139;color:#1b1206}
.hero{background:linear-gradient(90deg,#fff 0%,#fff 46%,var(--sky) 100%);padding:34px 0 40px}
.hero .grid{display:grid;grid-template-columns:1fr 1fr;gap:42px;align-items:center}
.hero .frame{overflow:hidden;aspect-ratio:5/4;background:var(--sky);border-bottom:8px solid var(--org)}
.hero .frame img{width:100%;height:100%;object-fit:cover;object-position:75% 0%}
.eyebrow{display:inline-block;border-left:5px solid var(--org);padding:2px 0 2px 10px;color:var(--navy);font-weight:700;font-size:.82rem;letter-spacing:.06em;text-transform:uppercase;margin-bottom:14px}
.deck{font-size:1.1rem;color:var(--mut);max-width:34em}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:8px}
.btn{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;border:0;padding:13px 24px;font-weight:700;font-size:1rem;cursor:pointer}
.btn:hover{background:var(--navy2);color:#fff}
.btn.ghost{background:transparent;color:var(--navy);border:2px solid var(--navy)}
.trust{background:var(--navy2);color:#d5def0}
.trust ul{list-style:none;margin:0;padding:16px 0;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.trust li{font-size:.93rem;border-left:3px solid var(--org);padding-left:12px}.trust li b{color:#ffb676}.trust a{color:#ffd98f}
section.band{padding:50px 0}section.band.alt{background:var(--white)}
.lead{font-size:1.1rem;color:var(--mut);max-width:46em}
.three{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--line);background:var(--white)}
.three .st{padding:22px;border-right:1px solid var(--line)}.three .st:last-child{border-right:0}
.three .st h3{border-bottom:3px solid var(--org);padding-bottom:6px;display:inline-block}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:var(--white);border:1px solid var(--line);border-top:5px solid var(--navy);display:flex;flex-direction:column}
.card picture img{aspect-ratio:4/3;object-fit:cover;object-position:50% 0;width:100%}
.card .cb{padding:18px 20px 20px;display:flex;flex-direction:column;gap:6px;flex:1}
.card .rt{font-size:.82rem;color:var(--mut);font-weight:700;text-transform:uppercase;letter-spacing:.04em}
.card h3 a{text-decoration:none;color:var(--navy)}
.card .more{font-weight:700;margin-top:auto}
.split{display:grid;grid-template-columns:1.15fr .85fr;gap:36px;align-items:start}
.split .ph2 img{aspect-ratio:4/3;object-fit:cover;object-position:75% 0;border-bottom:8px solid var(--org)}
.tgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin:0;border:1px solid var(--line)}
.term{padding:14px 16px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--white)}
.term dt{font-weight:800;color:var(--navy)}.term dd{margin:4px 0 0;font-size:.95rem}
.fq{background:var(--white);border:1px solid var(--line);border-left:5px solid var(--org);padding:14px 18px;margin-bottom:10px}
.fq summary{font-weight:700;cursor:pointer;color:var(--navy)}.fq .fa{margin-top:8px}
.ctaband{background:var(--navy);color:#fff;padding:34px;display:flex;gap:24px;align-items:center;justify-content:space-between;flex-wrap:wrap;border-left:10px solid var(--org)}
.ctaband h2{color:#fff}.ctaband p{color:#c8d4ec;margin:0}.ctaband .btn{background:var(--org);color:#1b1206}
.ahead{padding:26px 0 6px;background:var(--white);border-bottom:1px solid var(--line)}
.crumb{font-size:.9rem;color:var(--mut)}
.ahgrid{display:grid;grid-template-columns:1.1fr .9fr;gap:34px;align-items:center;padding-bottom:22px}
.ahero{overflow:hidden;aspect-ratio:4/3;background:var(--sky);border-bottom:8px solid var(--org)}
.ahero img{width:100%;height:100%;object-fit:cover;object-position:50% 0}
.meta{color:var(--mut);font-size:.92rem}
.prose{max-width:780px}.prose h2{margin-top:1.6em;border-top:2px solid var(--line);padding-top:.7em}
.example{background:var(--white);border:1px solid var(--line);border-left:8px solid var(--org);padding:18px 20px;margin:1.4em 0}
.chk{background:var(--white);border:1px solid var(--line);border-top:5px solid var(--org);padding:20px 22px;margin:1.4em 0}
.steps{margin:0;padding-left:1.3em}.steps li{margin-bottom:.45em}
.tablewrap{margin:1.4em 0}
table{border-collapse:collapse;width:100%;background:var(--white);font-size:.95rem;table-layout:fixed}
caption{text-align:left;font-weight:700;color:var(--navy);padding:0 0 8px}
th,td{border:1px solid var(--line);padding:9px 10px;text-align:left;vertical-align:top;overflow-wrap:anywhere}
th{background:var(--navy);color:#fff}
.qs .qlist{padding-left:1.2em}.terms{margin:1.6em 0}
.related{background:var(--sky);padding:6px 20px 12px;margin:2em 0 1em;border-left:5px solid var(--navy)}.related li{margin-bottom:4px}
.note{color:var(--mut);font-size:.92rem}
.formcard{background:var(--white);border:1px solid var(--line);border-top:6px solid var(--navy);padding:24px;max-width:760px}
.fld{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}.fld label{font-weight:700}
.fld input,.fld select{font:inherit;padding:11px 12px;border:1px solid #9aa8c4;background:#fff;width:100%}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}
.consent{display:flex;gap:12px;align-items:flex-start;background:var(--bg);border:1px solid var(--line);padding:12px 14px;margin:12px 0}
.consent input{margin-top:5px;width:20px;height:20px;flex:none}.consent label{display:block;font-size:.93rem;line-height:1.55}
.hint{font-size:.9rem;color:var(--mut)}.err{color:#a3123b;font-size:.88rem;min-height:1em}
.form-error{background:#fde8ee;color:#7d0e2c;padding:10px 12px;margin-bottom:12px}
.success{display:none;background:var(--sky);padding:22px;margin-top:16px}.success.show{display:block}
.hp{position:absolute;left:-5000px;width:1px;height:1px;overflow:hidden}
.sample{background:var(--white);border:1px solid var(--line);border-left:5px solid var(--navy);padding:14px 16px;margin:10px 0;max-width:640px;overflow-wrap:anywhere}
.sample .lab{display:block;font-size:.78rem;font-weight:800;color:var(--mut);text-transform:uppercase;letter-spacing:.05em;margin-bottom:4px}
.legal h2{font-size:1.3rem}.updated{color:var(--mut);font-weight:600}
.contactgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.contactgrid .box{background:var(--white);border:1px solid var(--line);border-top:5px solid var(--org);padding:20px}
.hf{background:var(--navy2);color:#c9d5ee;margin-top:56px;padding:36px 0 24px;font-size:.94rem}
.hf a{color:#ffc190}.hf h3{color:#fff;font-size:1.05rem}
.hf .top{display:grid;grid-template-columns:1.4fr 1fr;gap:28px;align-items:start}
.hf address{font-style:normal}
.hf .flinks{list-style:none;margin:20px 0 0;padding:16px 0 0;border-top:1px solid #2a3d63;display:flex;flex-wrap:wrap;gap:8px 22px}
.hf .fine{border-top:1px solid #2a3d63;margin-top:20px;padding-top:16px;color:#a9b8d6;font-size:.86rem}
@media (max-width:900px){
 .hero .grid,.split,.ahgrid{grid-template-columns:1fr}
 .hero .media{order:-1}
 .trust ul{grid-template-columns:1fr 1fr}
 .three,.cards,.contactgrid{grid-template-columns:1fr}
 .three .st{border-right:0;border-bottom:1px solid var(--line)}
 .tgrid{grid-template-columns:1fr 1fr}.hf .top{grid-template-columns:1fr}
 .hh .bar{gap:8px 14px}nav.mainnav{order:3;flex-basis:100%}
 .hero{background:#fff}
}
@media (max-width:520px){
 body{font-size:16px}.wrap{padding:0 14px}
 .brand{font-size:1.3rem}.brand svg{width:30px;height:30px}
 .cta-top{margin-left:auto;padding:8px 12px;font-size:.84rem}
 nav.mainnav ul{gap:0;justify-content:space-between}
 nav.mainnav a{font-size:.8rem;padding:7px 6px}
 .hero{padding:0 0 28px}.hero .wrap{padding:0}.hero .txt{padding:0 14px}.hero .frame{aspect-ratio:4/3;border-bottom-width:6px}
 .hero .grid{gap:20px}
 .trust ul{grid-template-columns:1fr}.tgrid,.fgrid{grid-template-columns:1fr}
 .ctaband{padding:24px}table{font-size:.84rem}th,td{padding:7px 5px}
}
@media print{.hh,.hf,.ctaband,.btns{display:none}}