/*! tailwindcss v4.2.1 | MIT License | https://tailwindcss.com */
@layer theme{:root,:host{--font-sans:ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--spacing:.25rem;--default-transition-duration:.15s;--default-transition-timing-function:cubic-bezier(.4, 0, .2, 1);--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring{outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab, red, red)){::placeholder{color:color-mix(in oklab, currentcolor 50%, transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.visible{visibility:visible}.relative{position:relative}.start{inset-inline-start:var(--spacing)}.contents{display:contents}.table{display:table}.transition{transition-property:color,background-color,border-color,outline-color,text-decoration-color,fill,stroke,--tw-gradient-from,--tw-gradient-via,--tw-gradient-to,opacity,box-shadow,transform,translate,scale,rotate,filter,-webkit-backdrop-filter,backdrop-filter,display,content-visibility,overlay,pointer-events;transition-timing-function:var(--tw-ease,var(--default-transition-timing-function));transition-duration:var(--tw-duration,var(--default-transition-duration))}}:root{--navy:#0b2545;--navy-2:#15395f;--aqua:#2ec4b6;--coral:#ff6b35;--cream:#f7f3ea;--paper:#fffdf9;--ink:#132238;--muted:#5e6b7a;--line:#dbe1e4;--shadow:0 24px 70px #0b254521}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--paper);color:var(--ink);margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,Segoe UI,sans-serif;line-height:1.6}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}button{cursor:pointer}main{overflow:hidden}.section-shell{width:min(1180px,100% - 40px);margin-inline:auto}.content-section{padding:112px 0}.eyebrow{color:#147f78;letter-spacing:.14em;text-transform:uppercase;margin:0 0 14px;font-size:.76rem;font-weight:800}.eyebrow-light{color:#86e0d6}h1,h2,h3,p{margin-top:0}h1,h2{letter-spacing:-.035em;font-family:Georgia,Times New Roman,serif;line-height:1.07}h1{font-size:clamp(3.1rem,6.8vw,6.4rem)}h2{font-size:clamp(2.15rem,4vw,4rem)}h3{line-height:1.25}p{color:var(--muted)}.site-header{z-index:20;background:#fffdf9f5;border-bottom:1px solid #0b254514;position:relative}.header-inner{align-items:center;gap:36px;width:min(1240px,100% - 40px);min-height:84px;margin:auto;display:flex}.brand{color:var(--navy);align-items:center;gap:9px;font-size:1.02rem;line-height:1.05;display:inline-flex}.brand span:last-child{flex-direction:column;display:flex}.brand-roof{color:var(--coral);font-size:2.2rem;font-weight:300;transform:translateY(-1px)}.site-header nav{gap:32px;margin-left:auto;display:flex}.site-header nav a{color:#394b60;font-size:.91rem;font-weight:650}.site-header nav a:hover,.text-link:hover{color:#147f78}.button{letter-spacing:.015em;border:0;border-radius:4px;justify-content:center;align-items:center;min-height:52px;padding:0 25px;font-size:.9rem;font-weight:800;transition:transform .2s,box-shadow .2s,background .2s;display:inline-flex}.button:hover{transform:translateY(-2px);box-shadow:0 12px 25px #0b25452e}.button-primary,.button-small{background:var(--navy);color:#fff}.button-small{min-height:44px;padding:0 19px}.button-light{color:var(--navy);background:#fff}.button-coral{background:var(--coral);color:#fff}.text-link{color:var(--navy);font-size:.93rem;font-weight:800}.hero{grid-template-columns:1.08fr .92fr;align-items:center;gap:72px;min-height:760px;padding:82px 0 98px;display:grid;position:relative}.hero:before{content:"";border:1px solid #2ec4b62e;border-radius:50%;width:480px;height:480px;position:absolute;top:70px;left:-280px}.hero-copy{z-index:1;position:relative}.hero h1{max-width:760px;color:var(--navy);margin-bottom:26px}.hero-lede{max-width:690px;font-size:1.18rem;line-height:1.75}.hero-actions{align-items:center;gap:28px;margin:38px 0 34px;display:flex}.trust-row{color:#48596b;flex-wrap:wrap;gap:18px;font-size:.83rem;font-weight:700;display:flex}.trust-row span{align-items:center;gap:7px;display:flex}.trust-row span:before{content:"✓";color:#0d756e;background:#dff7f4;border-radius:50%;place-items:center;width:20px;height:20px;font-size:.72rem;display:grid}.hero-card{border-top:5px solid var(--coral);box-shadow:var(--shadow);background:#fff;padding:34px}.form-heading{align-items:flex-start;gap:16px;margin-bottom:20px;display:flex}.form-heading h2{letter-spacing:-.02em;margin:0;font-family:inherit;font-size:1.45rem}.form-heading .eyebrow{margin-bottom:4px}.form-number{background:var(--cream);min-width:50px;height:50px;color:var(--coral);text-transform:uppercase;border-radius:50%;place-items:center;font-size:.72rem;font-weight:900;display:grid}.credibility-band{background:var(--aqua);text-align:center;padding:26px 20px}.credibility-band p{color:var(--navy);letter-spacing:.04em;margin:0;font-size:.9rem;font-weight:850}.split-heading{grid-template-columns:1.1fr .8fr;align-items:end;gap:100px;margin-bottom:54px;display:grid}.split-heading h2{max-width:700px;color:var(--navy);margin:0}.split-heading>p{max-width:470px;margin-bottom:8px;font-size:1.02rem}.situation-grid{border-top:1px solid var(--line);border-left:1px solid var(--line);grid-template-columns:repeat(3,1fr);display:grid}.situation-card{border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff;min-height:248px;padding:34px}.situation-card h3{color:var(--navy);margin:38px 0 12px;font-size:1.23rem}.situation-card p{font-size:.92rem}.card-mark{color:var(--coral);font-size:1.3rem}.dark-section{background:var(--navy);color:#fff}.path-grid{grid-template-columns:.9fr 1.1fr;gap:90px;padding-block:110px;display:grid}.path-intro h2{margin-bottom:28px}.path-intro>p:not(.eyebrow){color:#b9c8d8;max-width:500px}.path-intro .button{margin-top:22px}.path-list>div{border-bottom:1px solid #ffffff29;grid-template-columns:54px 1fr;column-gap:22px;padding:28px 0;display:grid}.path-list>div:first-child{border-top:1px solid #ffffff29}.path-list span{color:var(--aqua);grid-row:1/3;font-size:.78rem;font-weight:800}.path-list h3{margin:0 0 7px;font-size:1.18rem}.path-list p{color:#9fb0c2;margin:0;font-size:.9rem}.centered{text-align:center;max-width:760px;margin:0 auto 60px}.centered h2{color:var(--navy)}.steps-grid{grid-template-columns:repeat(3,1fr);gap:50px;display:grid}.steps-grid article{text-align:center}.steps-grid span{border:1px solid var(--aqua);color:#147f78;border-radius:50%;place-items:center;width:64px;height:64px;margin:0 auto 25px;font-weight:800;display:grid}.steps-grid h3{color:var(--navy)}.steps-grid p{font-size:.93rem}.guide-panel{background:var(--cream);grid-template-columns:1fr 1fr;gap:80px;margin-bottom:112px;padding:65px;display:grid}.guide-panel h2{color:var(--navy)}.guide-links{flex-direction:column;display:flex}.guide-links a{color:var(--navy);border-bottom:1px solid #d2ccc0;justify-content:space-between;align-items:center;padding:24px 0;font-weight:750;display:flex}.guide-links a:first-child{border-top:1px solid #d2ccc0}.guide-links span{color:#7a756c;font-size:.74rem;font-weight:600}.final-cta{background:var(--navy-2);color:#fff}.final-cta>.section-shell{justify-content:space-between;align-items:center;gap:70px;min-height:330px;display:flex}.final-cta h2{max-width:820px;margin:0;font-size:clamp(2.2rem,4.2vw,4.2rem)}.lead-form{flex-direction:column;gap:16px;display:flex}.lead-form label{color:#33465b;flex-direction:column;gap:6px;font-size:.75rem;font-weight:800;display:flex}.lead-form input,.lead-form select,.lead-form textarea{width:100%;color:var(--ink);background:#fff;border:1px solid #cfd7de;border-radius:3px;outline:none;padding:13px 14px}.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{border-color:#168b82;box-shadow:0 0 0 3px #2ec4b621}.form-row{grid-template-columns:1fr 1fr;gap:13px;display:grid}.consent{grid-template-columns:17px 1fr;align-items:start;line-height:1.45;color:#667483!important;gap:10px!important;font-size:.66rem!important;font-weight:500!important;display:grid!important}.consent input{width:16px;height:16px;margin-top:2px;padding:0}.form-submit{width:100%}.form-privacy{text-align:center;margin:-6px 0 0;font-size:.68rem}.form-status{border-radius:3px;margin:0;padding:12px;font-size:.8rem;font-weight:700}.form-status.success{color:#0b625c;background:#dff7f4}.form-status.error{color:#9d3612;background:#fff0eb}.hidden-field{width:1px!important;height:1px!important;position:absolute!important;left:-10000px!important;overflow:hidden!important}.page-hero{padding:100px 0 88px}.page-hero h1{max-width:980px;color:var(--navy);margin-bottom:28px}.page-hero>p:not(.eyebrow){max-width:720px;font-size:1.15rem}.page-hero .button{margin-top:20px}.option-stack{flex-direction:column;gap:28px;padding-bottom:110px;display:flex}.option-card{border:1px solid var(--line);background:#fff;grid-template-columns:120px 1fr;display:grid;box-shadow:0 10px 35px #0b25450e}.option-number{background:var(--cream);color:var(--coral);padding:42px 28px;font-family:Georgia,serif;font-size:2rem}.option-body{padding:45px 54px}.option-body h2{color:var(--navy);font-size:2.6rem}.option-intro{font-size:1.02rem}.option-body ul,.articles ul{grid-template-columns:1fr 1fr;gap:12px 30px;margin:28px 0;padding-left:0;list-style:none;display:grid}.option-body li,.articles li{color:#46586a;padding-left:24px;font-size:.91rem;position:relative}.option-body li:before,.articles li:before{content:"✓";color:#15837a;font-weight:900;position:absolute;left:0}.watchout{border-left:3px solid var(--coral);color:#5c4c45;background:#fff5f0;padding:16px 18px;font-size:.86rem}.comparison-callout{background:var(--aqua);grid-template-columns:1fr 1fr;align-items:center;gap:80px;margin-bottom:110px;padding:70px;display:grid}.comparison-callout h2{color:var(--navy);margin:0;font-size:2.8rem}.comparison-callout>p{color:#21454f;margin:0}.resource-hero{border-bottom:1px solid var(--line);padding-bottom:68px}.article-layout{grid-template-columns:220px 1fr;gap:90px;padding:80px 0 110px;display:grid}.article-layout aside{flex-direction:column;align-self:start;display:flex;position:sticky;top:30px}.article-layout aside p{color:var(--navy);text-transform:uppercase;letter-spacing:.11em;font-size:.76rem;font-weight:800}.article-layout aside a{color:#607080;padding:9px 0;font-size:.85rem}.article-layout aside a:hover{color:#13847b}.articles{max-width:790px}.articles article{border-bottom:1px solid var(--line);margin-bottom:70px;padding:0 0 70px;scroll-margin-top:30px}.articles article:last-child{margin-bottom:0}.articles h2{color:var(--navy);font-size:2.7rem}.articles h3{color:var(--navy);margin-top:30px}.articles p,.articles li{font-size:1rem;line-height:1.8}.articles ul{grid-template-columns:1fr}.formula{background:var(--cream);color:var(--navy);margin:30px 0;padding:30px;font-size:1.05rem;line-height:1.9}.formula span{color:#765e50}.resource-cta{background:var(--cream);justify-content:space-between;align-items:center;gap:60px;margin-bottom:110px;padding:55px 65px;display:flex}.resource-cta h2{color:var(--navy);margin:0;font-size:2.55rem}.contact-page{grid-template-columns:.88fr 1.12fr;gap:85px;padding:100px 0 120px;display:grid}.contact-copy h1{color:var(--navy);font-size:clamp(3rem,5vw,5.1rem)}.contact-copy>p:not(.eyebrow):not(.fine-print){font-size:1.07rem}.expect-card{background:var(--cream);margin:45px 0;padding:32px}.expect-card h2{letter-spacing:.03em;font-family:inherit;font-size:1rem}.expect-card ol{margin:25px 0 0;padding:0;list-style:none}.expect-card li{gap:15px;margin:18px 0;display:flex}.expect-card li>span{background:var(--aqua);height:30px;color:var(--navy);border-radius:50%;flex:0 0 30px;place-items:center;font-size:.72rem;font-weight:900;display:grid}.expect-card strong{color:var(--navy)}.expect-card p{margin:2px 0;font-size:.8rem}.fine-print{font-size:.76rem}.contact-form-card{border-top:5px solid var(--coral);box-shadow:var(--shadow);background:#fff;padding:45px}.contact-form-card>h2{letter-spacing:-.02em;margin-bottom:4px;font-family:inherit;font-size:1.6rem}.contact-form-card>p{margin-bottom:25px;font-size:.8rem}.site-footer{color:#fff;background:#071a30;padding:72px 0 26px}.footer-grid{grid-template-columns:1.2fr .55fr 1fr;gap:80px;display:grid}.brand-light{color:#fff}.footer-grid>div:first-child>p{color:#91a5ba;max-width:330px;margin-top:22px;font-size:.87rem}.footer-grid h2{text-transform:uppercase;letter-spacing:.12em;font-family:inherit;font-size:.73rem}.footer-grid>div:nth-child(2){flex-direction:column;gap:9px;display:flex}.footer-grid>div:nth-child(2) a{color:#aebdcb;font-size:.84rem}.footer-grid>div:last-child p{color:#8297aa;font-size:.74rem}.footer-bottom{color:#7890a6;border-top:1px solid #ffffff1f;justify-content:space-between;margin-top:55px;padding-top:22px;font-size:.7rem;display:flex}@media (width<=900px){.site-header nav{display:none}.header-inner{min-height:72px}.hero,.path-grid,.split-heading,.guide-panel,.contact-page,.comparison-callout{grid-template-columns:1fr;gap:45px}.hero{padding-top:60px}.situation-grid{grid-template-columns:1fr 1fr}.path-grid{padding-block:80px}.guide-panel{padding:45px}.option-card{grid-template-columns:80px 1fr}.option-body{padding:38px}.article-layout{grid-template-columns:1fr}.article-layout aside{flex-flow:wrap;gap:0 18px;position:static}.article-layout aside p{width:100%}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:last-child{grid-column:1/-1}}@media (width<=620px){.section-shell{width:min(100% - 28px,1180px)}.content-section{padding:78px 0}.site-header .button-small{display:none}.header-inner{width:calc(100% - 28px)}.hero{gap:44px;padding:55px 0 75px}.hero h1{font-size:3.45rem}.hero-actions{flex-direction:column;align-items:flex-start}.hero-card{padding:25px 20px}.form-row,.situation-grid,.steps-grid{grid-template-columns:1fr}.situation-card{min-height:210px}.guide-panel,.comparison-callout,.resource-cta{padding:35px 25px}.final-cta>.section-shell,.resource-cta{flex-direction:column;align-items:flex-start;padding-block:70px}.option-card{grid-template-columns:1fr}.option-number{padding:18px 24px}.option-body{padding:30px 24px}.option-body h2,.articles h2{font-size:2.2rem}.option-body ul{grid-template-columns:1fr}.article-layout{gap:45px;padding-top:55px}.contact-page{padding-top:70px}.contact-form-card{padding:30px 22px}.footer-grid{grid-template-columns:1fr;gap:40px}.footer-grid>div:last-child{grid-column:auto}.footer-bottom{flex-direction:column;gap:8px}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button{transition:none}}.situation-card{transition:background .2s,transform .2s}.situation-card:hover{background:var(--cream);transform:translateY(-3px)}.topic-grid{grid-template-columns:repeat(3,1fr);gap:22px;padding-bottom:112px;display:grid}.topic-card{border:1px solid var(--line);background:#fff;flex-direction:column;min-height:280px;padding:32px;transition:transform .2s,box-shadow .2s;display:flex;box-shadow:0 12px 36px #0b25450d}.topic-card:hover{transform:translateY(-4px);box-shadow:0 18px 44px #0b25451c}.topic-card h2{color:var(--navy);letter-spacing:-.01em;margin:22px 0 14px;font-family:inherit;font-size:1.2rem}.topic-card p{font-size:.9rem}.topic-card .text-link{margin-top:auto}.topic-hero{padding:55px 0 85px}.topic-hero h1{max-width:920px;color:var(--navy);margin-bottom:26px;font-size:clamp(3rem,6vw,5.75rem)}.topic-intro{max-width:780px;font-size:1.15rem;line-height:1.75}.breadcrumbs{color:#6b7886;flex-wrap:wrap;gap:9px;margin-bottom:55px;font-size:.75rem;display:flex}.breadcrumbs a:hover{color:#147f78}.topic-content{grid-template-columns:minmax(0,1fr) 340px;gap:90px;padding-bottom:112px;display:grid}.topic-main{flex-direction:column;gap:82px;display:flex}.topic-main h2{max-width:720px;color:var(--navy);font-size:clamp(2.1rem,3.7vw,3.35rem)}.signal-list{grid-template-columns:1fr 1fr;gap:14px 35px;padding:0;list-style:none;display:grid}.signal-list li{background:var(--cream);color:#405265;padding:16px 16px 16px 42px;font-size:.91rem;position:relative}.signal-list li:before{content:"✓";color:#147f78;font-weight:900;position:absolute;left:17px}.topic-steps{border-top:1px solid var(--line)}.topic-steps>div{border-bottom:1px solid var(--line);grid-template-columns:55px 190px 1fr;gap:22px;padding:28px 0;display:grid}.topic-steps span{color:var(--coral);font-size:.76rem;font-weight:850}.topic-steps h3{color:var(--navy);margin:0}.topic-steps p{margin:0;font-size:.91rem}.faq-list details{border-top:1px solid var(--line)}.faq-list details:last-child{border-bottom:1px solid var(--line)}.faq-list summary{cursor:pointer;color:var(--navy);padding:22px 32px 22px 0;font-weight:800}.faq-list details p{padding:0 22px 22px 0}.official-source{margin-top:28px;font-size:.8rem}.official-source a{color:#147f78;text-decoration:underline}.topic-aside{align-self:start;position:sticky;top:28px}.topic-aside>div{background:var(--navy);color:#fff;padding:34px}.topic-aside h2{letter-spacing:-.02em;font-family:inherit;font-size:1.45rem}.topic-aside p:not(.eyebrow){color:#b5c5d5;font-size:.9rem}.topic-aside .button{margin-top:12px}.related-guides{background:var(--cream);padding:85px 0}.related-guides h2{color:var(--navy)}.related-guides nav{grid-template-columns:repeat(3,1fr);gap:16px;margin-top:34px;display:grid}.related-guides a{color:var(--navy);background:#fff;border:1px solid #ded8cc;padding:22px;font-weight:750}.legal-page{max-width:820px;padding:90px 0 115px}.legal-page h1{color:var(--navy);font-size:clamp(3rem,6vw,5.2rem)}.legal-page h2{color:var(--navy);margin-top:50px;font-size:2rem}.legal-page p,.legal-page li{line-height:1.8}.legal-page a{color:#147f78;text-decoration:underline}@media (width<=900px){.topic-grid{grid-template-columns:1fr 1fr}.topic-content{grid-template-columns:1fr;gap:55px}.topic-aside{position:static}.related-guides nav{grid-template-columns:1fr 1fr}}@media (width<=620px){.topic-grid,.signal-list,.related-guides nav{grid-template-columns:1fr}.topic-steps>div{grid-template-columns:42px 1fr}.topic-steps p{grid-column:2}.topic-hero{padding-top:38px}.breadcrumbs{margin-bottom:38px}}
