:root{--midnight:#172033;--midnight-soft:#222d43;--indigo:#314f7c;--indigo-deep:#233d63;--indigo-pale:#e8edf4;--porcelain:#f8f6f1;--paper:#fff;--mist:#eef2f6;--slate:#526171;--slate-dark:#3d4a59;--mulberry:#713a55;--ochre:#9d651c;--persimmon:#c96847;--persimmon-text:#93452f;--line:#c9d2df;--line-dark:#8997aa;--error:#9d302f;--error-bg:#fff1ef;--success:#27634e;--shadow-sm:0 10px 30px #17203314;--shadow-md:0 26px 68px #17203324;--radius-sm:6px;--radius:10px;--radius-lg:14px;--shell:1200px;--header-height:68px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header-height) + 24px)}body{color:var(--midnight);background:var(--paper);font-family:var(--font-sans), system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;-webkit-font-smoothing:antialiased;text-rendering:optimizelegibility;margin:0;font-size:17px;line-height:1.68}button,input,select,textarea{font-family:inherit}img,svg{max-width:100%;display:block}a{color:inherit;text-decoration:none}button,input,select,textarea,summary{font:inherit}button,summary,select{cursor:pointer}h1,h2,h3,p,ul,ol,dl,dd{margin-top:0}h1,h2,h3{color:var(--midnight);letter-spacing:-.035em;font-weight:680;line-height:1.08}h1{margin-bottom:24px;font-size:clamp(3.2rem,6.4vw,5.9rem)}h2{margin-bottom:20px;font-size:clamp(2.25rem,4.4vw,4rem)}h3{margin-bottom:12px;font-size:clamp(1.35rem,2.2vw,1.7rem)}p{margin-bottom:20px}ul,ol{padding-left:1.3rem}::selection{color:var(--midnight);background:#f0d4c7}:focus-visible{outline:3px solid var(--persimmon);outline-offset:3px}.skip-link{z-index:1000;color:var(--paper);background:var(--midnight);border-radius:var(--radius-sm);padding:10px 16px;position:fixed;top:10px;left:10px;transform:translateY(-160%)}.skip-link:focus{transform:translateY(0)}.shell{width:min(calc(100% - 48px), var(--shell));margin-inline:auto}.narrow{max-width:880px}.section{padding:108px 0}.soft-section{background:var(--porcelain)}.eyebrow,.mini-label,.option-tag,.footer-label,.question-label{color:var(--ochre);letter-spacing:.045em;font-family:ui-monospace,SFMono-Regular,Consolas,monospace;font-size:.82rem;font-weight:700;line-height:1.45}.eyebrow{margin-bottom:18px}.section-heading{justify-content:space-between;align-items:end;gap:36px;margin-bottom:50px;display:flex}.section-heading>div{max-width:780px}.section-heading h2{margin-bottom:0}.section-heading p:last-child{max-width:690px;color:var(--slate)}.section-heading.centered{text-align:center;justify-content:center}.section-heading.centered>div{max-width:820px}.split-heading{grid-template-columns:minmax(0,1.15fr) minmax(280px,.85fr);align-items:end;gap:72px;margin-bottom:52px;display:grid}.split-heading h2{margin-bottom:0}.split-heading>p{color:var(--slate);margin-bottom:4px;font-size:1.06rem}.button{text-align:center;border:1px solid #0000;border-radius:8px;justify-content:center;align-items:center;gap:8px;min-height:52px;padding:13px 22px;font-size:.95rem;font-weight:750;line-height:1.2;transition:background-color .16s,border-color .16s,color .16s,transform .16s;display:inline-flex}.button:hover{transform:translateY(-2px)}.button-primary{color:var(--paper);background:var(--indigo);border-color:var(--indigo)}.button-primary:hover{background:var(--indigo-deep);border-color:var(--indigo-deep)}.button-secondary{color:var(--indigo-deep);background:var(--paper);border-color:var(--line-dark)}.button-secondary:hover{border-color:var(--indigo)}.button-light{color:var(--midnight);background:var(--paper);border-color:var(--paper)}.button-light:hover{background:var(--porcelain);border-color:var(--porcelain)}.text-link{color:var(--indigo-deep);text-underline-offset:5px;align-items:center;gap:7px;font-weight:750;-webkit-text-decoration:underline #8ea5c6;text-decoration:underline #8ea5c6;text-decoration-thickness:1px;display:inline-flex}.hero-actions{flex-wrap:wrap;gap:12px;margin-top:30px;display:flex}.centered-action{text-align:center;margin-top:44px}.site-header{z-index:100;height:var(--header-height);border-bottom:1px solid var(--line);-webkit-backdrop-filter:blur(15px);backdrop-filter:blur(15px);padding-right:env(safe-area-inset-right);padding-left:env(safe-area-inset-left);background:#fffffff2;position:sticky;top:0}.header-inner{grid-template-columns:auto 1fr auto;align-items:center;gap:30px;height:100%;display:grid}.brand{align-items:center;gap:10px;width:max-content;display:inline-flex}.logo-mark{width:37px;height:41px;color:var(--indigo);flex:0 0 37px;place-items:center;display:grid}.logo-mark svg{width:37px;height:41px;overflow:visible}.logo-frame,.logo-path{fill:none;stroke:currentColor;stroke-linecap:square;stroke-linejoin:miter}.logo-frame{stroke-width:2.4px}.logo-path{stroke:var(--persimmon);stroke-width:2.8px}.logo-point{fill:var(--indigo)}.brand-type{line-height:1;display:grid}.brand-type strong{letter-spacing:-.005em;text-overflow:ellipsis;white-space:nowrap;max-width:240px;font-size:1.03rem;overflow:hidden}.brand-type small{color:var(--slate);letter-spacing:.055em;margin-top:5px;font-family:ui-monospace,monospace;font-size:.72rem;font-weight:700}.desktop-nav{justify-content:center;gap:clamp(18px,2.7vw,34px);display:flex}.desktop-nav a{color:var(--slate-dark);font-size:.9rem;font-weight:650}.desktop-nav a:hover,.desktop-nav a[aria-current=page]{color:var(--indigo)}.desktop-nav a[aria-current=page]{text-decoration:underline;-webkit-text-decoration-color:var(--persimmon);text-decoration-color:var(--persimmon);text-underline-offset:8px}.header-cta{min-height:44px;padding:10px 17px}.mobile-nav{display:none}.home-hero{color:var(--paper);background:var(--midnight);padding:72px 0 80px;position:relative;overflow:hidden}.home-hero:before{content:"";background:linear-gradient(135deg,#0000 0 45%,#ffffff09 45% 46%,#0000 46% 60%,#ffffff09 60% 61%,#0000 61%);width:56%;height:100%;position:absolute;top:0;right:-12%}.hero-grid{grid-template-columns:minmax(0,1.02fr) minmax(420px,.98fr);align-items:center;gap:clamp(48px,7vw,92px);display:grid;position:relative}.hero-copy{max-width:690px}.hero-copy h1{max-width:680px;color:var(--paper);font-size:clamp(3.3rem,5.2vw,4.8rem)}.home-hero .eyebrow{color:#e3ad7a}.hero-lede{color:#dbe2ed;max-width:650px;font-size:1.16rem;line-height:1.72}.offer-starter{margin-top:32px}.offer-starter>label{color:inherit;margin-bottom:10px;font-size:.94rem;font-weight:700;display:block}.starter-row{background:var(--paper);border:1px solid var(--paper);border-radius:10px;grid-template-columns:minmax(0,1fr) auto;padding:6px;display:grid;box-shadow:0 16px 50px #00000038}.starter-row:focus-within{outline:3px solid var(--persimmon);outline-offset:3px}.starter-row input{min-width:0;height:50px;color:var(--midnight);background:0 0;border:0;outline:0;padding:0 15px;font-size:1rem}.starter-row .button{border-radius:7px}.offer-starter>p{color:#c8d2e1;margin:10px 0 0;font-size:.86rem}.hero-assurances{border-top:1px solid #ffffff40;grid-template-columns:repeat(3,1fr);margin-top:30px;display:grid}.hero-assurances span{color:#cbd5e3;padding:17px 16px 0 0;font-size:.88rem;line-height:1.5}.hero-assurances strong{color:var(--paper);margin-bottom:3px;font-size:.88rem;display:block}.hero-disclosure{color:#bdc8d8;max-width:620px;margin:20px 0 0;font-size:.9rem;line-height:1.58}.hero-visual{min-width:0}.hero-image-frame{isolation:isolate;margin:0;position:relative}.hero-image-frame:before{z-index:-1;background:var(--persimmon);content:"";opacity:.82;border-radius:6px 24px;position:absolute;inset:24px -18px -20px 24px}.hero-image-frame:after{content:"";pointer-events:none;border:1px solid #ffffff6b;border-radius:4px 22px;position:absolute;inset:0;box-shadow:inset 0 0 0 7px #ffffff14}.hero-image{aspect-ratio:4/5;object-fit:cover;border-radius:4px 22px;width:100%;height:auto;display:block;box-shadow:0 32px 70px #00000057}.orientation-strip{background:var(--paper);border-bottom:1px solid var(--line)}.orientation-grid{grid-template-columns:repeat(3,1fr);display:grid}.orientation-grid article{border-right:1px solid var(--line);grid-template-columns:auto 1fr;align-items:center;gap:18px;min-height:145px;padding:28px;display:grid}.orientation-grid article:first-child{padding-left:0}.orientation-grid article:last-child{border-right:0;padding-right:0}.orientation-grid article>span{color:var(--mulberry);font-family:ui-monospace,monospace;font-size:.75rem;font-weight:800}.orientation-grid strong{font-size:1rem}.orientation-grid p{color:var(--slate);margin:4px 0 0;font-size:.88rem;line-height:1.5}.situation-section{background:var(--paper)}.situation-grid{border-top:2px solid var(--midnight);grid-template-columns:repeat(2,1fr);display:grid}.situation-card{border-right:1px solid var(--line);border-bottom:1px solid var(--line);grid-template-columns:74px 1fr;gap:22px;min-height:225px;padding:30px 30px 30px 0;transition:background-color .16s,padding-left .16s;display:grid}.situation-card:nth-child(2n){border-right:0;padding-left:30px;padding-right:0}.situation-card:hover{background:var(--porcelain)}.situation-meta{align-content:start;gap:8px;display:grid}.situation-meta span{color:var(--persimmon-text);font-family:ui-monospace,monospace;font-size:1.05rem;font-weight:800}.situation-meta small{color:var(--slate);writing-mode:vertical-rl;font-size:.76rem}.situation-card h3{font-size:1.55rem}.situation-card p{color:var(--slate);font-size:.95rem}.situation-card strong{color:var(--indigo);font-size:.88rem}.sequence-section{color:var(--paper);background:var(--indigo-deep)}.sequence-grid{grid-template-columns:minmax(280px,.7fr) minmax(0,1.3fr);gap:90px;display:grid}.sequence-intro{align-self:start;position:sticky;top:112px}.sequence-intro h2{color:var(--paper)}.sequence-intro>p:not(.eyebrow){color:#d1dae8}.sequence-section .eyebrow{color:#e5ae7b}.sequence-list{border-top:1px solid #ffffff59}.sequence-list article{border-bottom:1px solid #ffffff38;grid-template-columns:82px 1fr;gap:24px;min-height:175px;padding:30px 0;display:grid}.sequence-list article>span{color:#e7b486;font-family:ui-monospace,monospace;font-size:.78rem;font-weight:800}.sequence-list h3{color:var(--paper)}.sequence-list p{color:#d1dae8;margin-bottom:0}.options-section{background:var(--porcelain)}.option-grid{border-top:2px solid var(--midnight);grid-template-columns:repeat(4,1fr);display:grid}.option-grid article{border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:0 0;min-height:365px;padding:30px 25px}.option-grid article:last-child{border-right:0}.option-grid article h3{margin:25px 0 14px}.option-grid article p{color:var(--slate);font-size:.94rem}.option-grid article>strong{color:var(--mulberry);letter-spacing:.04em;margin-top:28px;font-family:ui-monospace,monospace;font-size:.77rem;display:block}.option-grid .option-highlight{background:var(--indigo-pale);box-shadow:inset 0 5px 0 var(--persimmon)}.option-tag{color:var(--ochre)}.title-section{background:var(--paper)}.title-grid{grid-template-columns:minmax(0,1fr) minmax(430px,.9fr);align-items:center;gap:90px;display:grid}.title-grid>div:first-child{max-width:650px}.title-grid>div:first-child>p:not(.eyebrow){color:var(--slate);font-size:1.06rem}.title-dossier{background:var(--porcelain);border:1px solid var(--line-dark);box-shadow:var(--shadow-md);border-radius:4px 4px 10px 10px;padding:38px 28px 25px;position:relative;transform:rotate(-1deg)}.dossier-tab{color:var(--paper);background:var(--mulberry);letter-spacing:.05em;border-radius:5px 5px 0 0;padding:8px 18px;font-family:ui-monospace,monospace;font-size:.75rem;font-weight:800;position:absolute;top:-28px;left:-1px}.dossier-row{border-bottom:1px solid var(--line);grid-template-columns:45px 1fr;gap:18px;padding:20px 0;display:grid}.dossier-row>span{color:var(--persimmon-text);font-family:ui-monospace,monospace;font-weight:800}.dossier-row strong{font-size:1.02rem}.dossier-row p{color:var(--slate);margin:4px 0 0;font-size:.88rem}.dossier-stamp{width:max-content;max-width:100%;color:var(--mulberry);border:2px solid var(--mulberry);margin:24px 0 0 auto;padding:8px 12px;font-family:ui-monospace,monospace;font-size:.72rem;font-weight:800;transform:rotate(-2deg)}.resources-preview{background:var(--mist)}.resource-grid{border-top:2px solid var(--midnight);grid-template-columns:repeat(3,1fr);display:grid}.resource-card{background:var(--paper);border-right:1px solid var(--line);border-bottom:1px solid var(--line);flex-direction:column;min-height:340px;padding:28px;transition:background-color .16s;display:flex}.resource-card:nth-child(3n){border-right:0}.resource-card:hover{background:var(--porcelain)}.resource-card-meta{color:var(--slate);justify-content:space-between;gap:12px;margin-bottom:34px;font-family:ui-monospace,monospace;font-size:.82rem;display:flex}.resource-card-meta span:first-child{color:var(--mulberry);font-weight:800}.resource-card h2,.resource-card h3{margin-bottom:12px;font-size:1.55rem}.resource-card p{color:var(--slate);font-size:.92rem}.resource-card .text-link{margin-top:auto;font-size:.9rem}.resource-card-featured{color:var(--paper);background:var(--indigo-deep)}.resource-card-featured:hover{background:var(--midnight)}.resource-card-featured h2,.resource-card-featured h3,.resource-card-featured .text-link{color:var(--paper)}.resource-card-featured p{color:#d6deea}.resource-card-featured .resource-card-meta{color:#c8d2e1}.resource-card-featured .resource-card-meta span:first-child{color:#e7b486}.promise-section{background:var(--paper)}.promise-grid{grid-template-columns:minmax(280px,.72fr) minmax(0,1.28fr);align-items:start;gap:86px;display:grid}.promise-grid>div:first-child{position:sticky;top:112px}.promise-grid>div:first-child>p:not(.eyebrow){color:var(--slate)}.promise-list{border-top:2px solid var(--midnight)}.promise-list article{border-bottom:1px solid var(--line);grid-template-columns:58px 1fr;gap:18px;padding:24px 0;display:grid}.promise-list article>span{color:var(--persimmon-text);font-family:ui-monospace,monospace;font-weight:800}.promise-list p{color:var(--slate);margin:0}.promise-list strong{color:var(--midnight)}.faq-section{background:var(--porcelain)}.faq-layout{grid-template-columns:minmax(270px,.7fr) minmax(0,1.3fr);align-items:start;gap:90px;display:grid}.faq-layout>div:first-child{position:sticky;top:112px}.faq-layout>div:first-child>p:not(.eyebrow){color:var(--slate)}.faq-list{border-top:2px solid var(--midnight)}.faq-list details{border-bottom:1px solid var(--line-dark)}.faq-list summary{min-height:84px;color:var(--midnight);letter-spacing:-.012em;justify-content:space-between;align-items:center;gap:20px;padding:20px 44px 20px 0;font-size:1.08rem;font-weight:700;list-style:none;display:flex;position:relative}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{color:var(--persimmon-text);content:"+";font-size:1.55rem;font-weight:450;position:absolute;right:4px}.faq-list details[open] summary:after{content:"−"}.faq-list details>p{color:var(--slate);margin:-2px 52px 26px 0;font-size:.98rem}.inline-cta{color:var(--paper);background:var(--midnight);border-left:7px solid var(--persimmon);border-radius:var(--radius);box-shadow:var(--shadow-md);grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:54px;padding:clamp(36px,6vw,68px);display:grid}.inline-cta>div:first-child{max-width:780px}.inline-cta h2{color:var(--paper);margin-bottom:14px;font-size:clamp(2rem,3.7vw,3.35rem)}.inline-cta p:not(.eyebrow){color:#d6deea;margin-bottom:0}.inline-cta .eyebrow{color:#e7b486}.inline-cta-action{justify-items:center;gap:9px;display:grid}.inline-cta-action .button{color:var(--midnight);background:var(--paper);border-color:var(--paper)}.inline-cta-action small{color:#cbd5e3;font-size:.82rem}.breadcrumb-wrap{min-height:48px;padding-top:14px}.breadcrumbs ol{color:var(--slate);flex-wrap:wrap;align-items:center;gap:7px;margin:0;padding:0;font-size:.82rem;list-style:none;display:flex}.breadcrumbs li{align-items:center;gap:7px;display:inline-flex}.breadcrumbs a:hover{color:var(--indigo);text-underline-offset:3px;text-decoration:underline}.inner-hero{background:var(--porcelain);border-bottom:1px solid var(--line);padding:66px 0 88px;position:relative}.inner-hero:before{top:0;bottom:0;left:max(0px, calc((100% - var(--shell)) / 2 - 20px));background:var(--persimmon);content:"";width:5px;position:absolute}.inner-hero-grid{grid-template-columns:minmax(0,1.15fr) minmax(310px,.85fr);align-items:center;gap:78px;display:grid}.inner-hero-grid>div{max-width:780px}.inner-hero p,.form-page-lede,.guide-dek{color:var(--slate);font-size:1.13rem;line-height:1.72}.plain-card,.answer-card{background:var(--paper);border:1px solid var(--line-dark);border-radius:var(--radius);box-shadow:var(--shadow-sm);padding:30px}.plain-card>p:last-child,.answer-card>p:last-child{margin-bottom:0}.check-list{gap:10px;padding:0;list-style:none;display:grid}.check-list li{color:var(--slate);padding-left:25px;position:relative}.check-list li:before{color:var(--persimmon-text);content:"→";font-weight:800;position:absolute;top:.18em;left:0}.long-process{grid-template-columns:minmax(260px,.62fr) minmax(0,1.38fr);align-items:start;gap:90px;display:grid}.long-process-intro{position:sticky;top:112px}.long-process-intro>p:not(.eyebrow){color:var(--slate)}.long-process-list{border-top:2px solid var(--midnight)}.long-process-list article{border-bottom:1px solid var(--line);grid-template-columns:70px 1fr;gap:26px;padding:34px 0;display:grid}.long-process-list article>span{width:44px;height:44px;color:var(--paper);background:var(--indigo);border-radius:50%;place-items:center;font-family:ui-monospace,monospace;font-size:.85rem;font-weight:800;display:grid}.long-process-list article p{color:var(--slate)}.long-process-list article strong{color:var(--mulberry)}.factor-grid{border-top:2px solid var(--midnight);grid-template-columns:repeat(3,1fr);display:grid}.factor-grid article{border-right:1px solid var(--line);border-bottom:1px solid var(--line);min-height:190px;padding:28px}.factor-grid article:nth-child(3n){border-right:0}.factor-grid p{color:var(--slate);margin-bottom:0;font-size:.94rem}.two-column-copy,.editorial-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:90px;display:grid}.two-column-copy>div>p:not(.eyebrow),.editorial-grid>div>p:not(.eyebrow){color:var(--slate)}.standards-grid{border-top:2px solid var(--midnight);grid-template-columns:repeat(5,1fr);display:grid}.standards-grid article{border-right:1px solid var(--line);border-bottom:1px solid var(--line);min-height:330px;padding:28px 22px}.standards-grid article:last-child{border-right:0}.standards-grid article>span{color:var(--persimmon-text);font-family:ui-monospace,monospace;font-weight:800}.standards-grid h3{margin-top:30px;font-size:1.35rem}.standards-grid p{color:var(--slate);font-size:.91rem}.scroll-hint{color:var(--slate);margin:0 0 14px;font-size:.86rem}.comparison-wrap{border:1px solid var(--line-dark);border-top:4px solid var(--indigo);overflow-x:auto}.comparison-table{border-collapse:collapse;background:var(--paper);width:100%;min-width:850px}.comparison-table caption{color:var(--midnight);text-align:left;padding:16px;font-weight:750}.comparison-table th,.comparison-table td{border-top:1px solid var(--line);border-right:1px solid var(--line);text-align:left;vertical-align:top;padding:20px}.comparison-table th:last-child,.comparison-table td:last-child{border-right:0}.comparison-table thead th{color:var(--paper);background:var(--midnight);border-color:#3b465a;font-size:.88rem}.comparison-table thead th:last-child{background:#2e654e;border-color:#24513f}.preferred-label{color:#d9efe1;margin-top:5px;font-size:.7rem;font-weight:650;line-height:1.25;display:block}.comparison-table tbody th{width:150px;color:var(--mulberry);background:var(--porcelain);font-size:.88rem}.comparison-table td{color:var(--slate-dark);font-size:.9rem}.comparison-table tbody td:last-child{background:#edf7f0;border-left:3px solid #8ebba0}.net-formula{border-top:2px solid var(--midnight);grid-template-columns:repeat(5,1fr);display:grid}.net-formula>div{border-right:1px solid var(--line);border-bottom:1px solid var(--line);min-height:250px;padding:26px 22px}.net-formula>div:last-child{background:var(--indigo-pale);border-right:0}.net-formula span{color:var(--persimmon-text);font-family:ui-monospace,monospace;font-weight:800}.net-formula strong{margin:28px 0 10px;display:block}.net-formula p{color:var(--slate);font-size:.9rem}.resource-hero{background:var(--indigo-pale)}.resource-feature{grid-template-columns:minmax(0,1fr) minmax(300px,.72fr);margin-bottom:94px;display:grid}.resource-feature .resource-card{border:0;min-height:390px}.resource-feature-note{background:var(--porcelain);border:1px solid var(--line);align-content:center;padding:42px;display:grid}.resource-feature-note p{color:var(--slate)}.resource-category{margin-top:90px}.resource-category .resource-grid:empty{display:none}.guide-header{color:var(--paper);background:var(--midnight);padding:68px 0 78px}.guide-header-grid{grid-template-columns:minmax(0,1.15fr) minmax(330px,.85fr);align-items:end;gap:78px;display:grid}.guide-header h1{max-width:780px;color:var(--paper);font-size:clamp(3rem,5.7vw,5.25rem)}.guide-header .eyebrow{color:#e7b486}.guide-dek{color:#d5deeb;max-width:740px}.article-byline{color:#b9c5d7;flex-wrap:wrap;gap:10px 22px;font-size:.83rem;display:flex}.guide-header .answer-card{color:var(--midnight);background:var(--porcelain);border:0;border-left:5px solid var(--persimmon);border-radius:4px;transform:translateY(16px)}.guide-header .answer-card p:last-child{color:var(--slate-dark);font-size:1.02rem}.guide-layout{grid-template-columns:230px minmax(0,790px);justify-content:center;gap:74px;padding-top:76px;padding-bottom:110px;display:grid}.guide-toc{border-block:2px solid var(--midnight);align-self:start;padding:18px 0;position:sticky;top:104px}.guide-toc ol{color:var(--slate);gap:7px;margin:17px 0 12px;padding-left:1.2rem;font-size:.86rem;display:grid}.guide-toc>a{color:var(--indigo);padding:5px 0;font-size:.86rem;font-weight:700;display:block}.guide-toc a:hover{text-underline-offset:3px;text-decoration:underline}.guide-body{min-width:0}.guide-body>section{margin:72px 0;scroll-margin-top:100px}.guide-body>section:first-of-type{margin-top:64px}.guide-body>section h2{font-size:clamp(2rem,3.5vw,3rem)}.guide-body>section>p,.guide-body>section>ul{color:var(--slate-dark);font-size:1.05rem}.guide-opening-grid{grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:16px;display:grid}.educational-notice{background:var(--indigo-pale);border-left:4px solid var(--indigo);padding:23px}.educational-notice p{color:var(--slate-dark);margin:6px 0 0;font-size:.92rem}.guide-terms{background:var(--porcelain);border:1px solid var(--line);padding:22px}.guide-terms dl{gap:12px;margin:16px 0 0;display:grid}.guide-terms dl>div{border-top:1px solid var(--line);grid-template-columns:110px 1fr;gap:12px;padding-top:10px;display:grid}.guide-terms dt{color:var(--mulberry);font-weight:750}.guide-terms dd{color:var(--slate-dark);font-size:.94rem;line-height:1.55}.article-steps{border-top:2px solid var(--midnight);margin-top:28px;display:grid}.article-steps>div{border-bottom:1px solid var(--line);grid-template-columns:56px 1fr;gap:20px;padding:24px 0;display:grid}.article-steps>div>span{color:var(--persimmon-text);font-family:ui-monospace,monospace;font-weight:800}.article-steps h3{margin-bottom:7px}.article-steps p{color:var(--slate);margin:0}.article-callout{background:var(--porcelain);border-left:4px solid var(--mulberry);margin-top:28px;padding:22px 24px}.article-callout p{color:var(--slate-dark);margin:7px 0 0}.guide-checklist{color:var(--paper);background:var(--indigo-deep);border-radius:var(--radius);padding:36px}.guide-checklist h2{color:var(--paper)}.guide-checklist>p:not(.eyebrow){color:#d7e0ec!important}.guide-checklist ul{gap:12px;padding:0;list-style:none;display:grid}.guide-checklist li{color:#e3e9f1;grid-template-columns:25px 1fr;gap:8px;display:grid}.guide-checklist li span{color:#efba8a;font-weight:800}.source-section{border-top:2px solid var(--midnight);padding-top:35px}.source-section>p{color:var(--slate)}.source-section ul{gap:10px;padding:0;list-style:none;display:grid}.source-section a{color:var(--indigo);text-underline-offset:4px;text-decoration:underline}.source-section a span{margin-left:6px}.corrections-note{margin-top:25px;font-size:.94rem!important}.related-section{background:var(--mist);padding:92px 0}.form-page{background:var(--mist);padding:38px 0 105px}.form-page-grid{grid-template:"intro card""support card"1fr/minmax(300px,.66fr) minmax(0,1.34fr);align-items:start;gap:26px 60px;display:grid}.form-page-intro{grid-area:intro;padding-top:22px}.form-page-intro h1{font-size:clamp(2.7rem,4.8vw,4.5rem)}.form-page-lede{color:var(--slate)}.form-page-support{grid-area:support;min-width:0}.form-path-preview{border-top:2px solid var(--midnight);margin:30px 0;display:grid}.form-path-preview>div{border-bottom:1px solid var(--line-dark);grid-template-columns:58px 1fr;gap:14px;padding:17px 0;display:grid}.form-path-preview span{color:var(--persimmon-text);font-family:ui-monospace,monospace;font-size:.75rem;font-weight:800}.form-path-preview p{color:var(--slate-dark);margin:0;font-size:.94rem;line-height:1.52}.form-path-preview strong{color:var(--midnight);display:block}.form-side-note{background:var(--porcelain);border-left:4px solid var(--ochre);grid-template-columns:30px 1fr;gap:12px;padding:18px;display:grid}.form-side-note>span{width:26px;height:26px;color:var(--paper);background:var(--ochre);border-radius:50%;place-items:center;font-weight:800;display:grid}.form-side-note p{color:var(--slate-dark);margin:0;font-size:.93rem}.form-side-note strong{color:var(--midnight)}.form-page-card{scroll-margin-top:calc(var(--header-height) + 18px);background:var(--paper);border:1px solid var(--line-dark);border-radius:var(--radius-lg);box-shadow:var(--shadow-md);grid-area:card;position:relative;overflow:hidden}.form-page-card:before{z-index:2;background:var(--mulberry);content:"";width:156px;height:8px;position:absolute;top:0;left:24px}.form-commercial-disclosure{color:var(--slate-dark);background:var(--porcelain);border-bottom:1px solid var(--line);grid-template-columns:120px 1fr;gap:18px;padding:22px 28px;display:grid}.form-commercial-disclosure strong{color:var(--mulberry);font-family:ui-monospace,monospace;font-size:.84rem}.form-commercial-disclosure p{margin:0;font-size:.93rem;line-height:1.58}.lead-form{padding:34px 36px 38px}.form-progress{margin-bottom:30px}.progress-copy{justify-content:space-between;align-items:center;gap:18px;margin-bottom:11px;font-size:.9rem;display:flex}.progress-copy span{color:var(--slate);font-family:ui-monospace,monospace}.progress-copy strong{color:var(--midnight)}.progress-track{background:var(--indigo-pale);height:6px;overflow:hidden}.progress-track span{background:var(--indigo);height:100%;transition:width .18s;display:block}.error-summary,.submission-error{color:var(--error);background:var(--error-bg);border:1px solid #e6aaa4;margin-bottom:22px;padding:15px 17px}.honeypot{clip:rect(1px,1px,1px,1px)!important;white-space:nowrap!important;width:1px!important;height:1px!important;position:absolute!important;overflow:hidden!important}.form-step{border:0;min-width:0;margin:0;padding:0}.form-step>legend{max-width:680px;color:var(--midnight);letter-spacing:-.035em;margin-bottom:10px;font-size:clamp(2rem,3.5vw,2.85rem);font-weight:680;line-height:1.12}.step-intro{color:var(--slate);margin-bottom:28px}.field{margin-bottom:23px;position:relative}.field>label,.question-label{color:var(--midnight);letter-spacing:0;margin-bottom:9px;font-family:inherit;font-size:.94rem;font-weight:720;display:block}.field input,.field select{width:100%;min-height:54px;color:var(--midnight);background:var(--paper);border:1px solid var(--line-dark);border-radius:7px;padding:12px 14px;font-size:1rem}.field input:focus,.field select:focus{border-color:var(--indigo);outline:3px solid var(--indigo);outline-offset:2px}.field input[aria-invalid=true],.field select[aria-invalid=true]{border-color:var(--error)}.field-row{grid-template-columns:repeat(2,1fr);gap:18px;display:grid}.field-row-location{grid-template-columns:minmax(0,1.2fr) minmax(130px,.8fr) minmax(120px,.65fr)}.field-error{color:var(--error);margin:7px 0 0;font-size:.85rem;font-weight:650}.field-help{color:var(--slate-dark);margin-top:8px;font-size:.9rem;display:block}.question-block{margin:30px 0}.question-block-first{margin-top:0}.choice-group{border:0;margin:0;padding:0}.choice-grid{gap:10px;display:grid}.choice-grid-2{grid-template-columns:repeat(2,1fr)}.choice-grid-3{grid-template-columns:repeat(3,1fr)}.choice-card{min-height:72px;color:var(--midnight);background:var(--paper);border:1px solid var(--line);cursor:pointer;border-radius:7px;grid-template-columns:24px 1fr;align-items:center;gap:12px;padding:13px 14px;display:grid;position:relative}.choice-card:has(input:checked){background:var(--indigo-pale);border-color:var(--indigo);box-shadow:inset 4px 0 0 var(--indigo)}.choice-card input{opacity:0;position:absolute}.choice-indicator{border:2px solid var(--line-dark);border-radius:50%;place-items:center;width:20px;height:20px;display:grid}.choice-card input:checked+.choice-indicator{border:6px solid var(--indigo)}.choice-card input:focus-visible+.choice-indicator{outline:3px solid var(--persimmon);outline-offset:3px}.choice-card strong{font-size:.91rem;display:block}.choice-card small{color:var(--slate-dark);margin-top:2px;font-size:.88rem;line-height:1.42;display:block}.plain-truth{background:var(--porcelain);border-left:4px solid var(--mulberry);margin:15px 0 24px;padding:18px 20px}.plain-truth p{color:var(--slate-dark);margin:5px 0 0;font-size:.94rem}.money-field input{padding-left:34px}.money-prefix{z-index:1;color:var(--slate);position:absolute;top:43px;left:15px}.form-legal-copy{color:var(--slate-dark);margin:18px 0 0;font-size:.91rem;line-height:1.58}.form-legal-copy a{color:var(--indigo);text-underline-offset:3px;text-decoration:underline}.form-actions{border-top:1px solid var(--line);justify-content:space-between;align-items:center;gap:12px;margin-top:30px;padding-top:24px;display:flex}.form-actions .button{min-width:138px}.form-microcopy{color:var(--slate-dark);text-align:right;margin:12px 0 0;font-size:.9rem}.form-success{text-align:center;padding:58px 38px}.success-mark{width:58px;height:58px;color:var(--paper);background:var(--success);border-radius:50%;place-items:center;margin:0 auto 20px;font-size:1.5rem;font-weight:800;display:grid}.form-success h2{font-size:2.4rem}.form-success>p:not(.eyebrow){color:var(--slate)}.legal-header{background:var(--indigo-pale);border-bottom:1px solid var(--line);padding:52px 0 66px}.legal-header h1{max-width:810px;font-size:clamp(2.8rem,5vw,4.7rem)}.legal-header p:last-child{color:var(--slate)}.legal-layout{grid-template-columns:240px minmax(0,720px);justify-content:center;gap:72px;padding-top:72px;padding-bottom:110px;display:grid}.legal-layout>aside{border-block:2px solid var(--midnight);align-self:start;padding-block:17px;position:sticky;top:104px}.legal-layout>aside nav{gap:6px;margin-top:14px;display:grid}.legal-layout>aside a{color:var(--slate);font-size:.86rem}.legal-layout>aside a:hover{color:var(--indigo);text-decoration:underline}.legal-body section{margin-bottom:62px;scroll-margin-top:100px}.legal-body h2{font-size:2.15rem}.legal-body h3{margin-top:30px;font-size:1.28rem}.legal-body p,.legal-body li{color:var(--slate-dark)}.legal-summary{background:var(--porcelain);border-top:5px solid var(--indigo);padding:30px}.legal-summary li{margin-bottom:8px}.legal-alert{background:var(--error-bg);border-left:4px solid var(--error);padding:25px}.site-footer{color:#d5deea;background:var(--midnight);padding:74px 0 28px}.footer-grid{grid-template-columns:1.5fr .75fr .75fr;gap:70px;padding-bottom:58px;display:grid}.footer-brand .brand{color:var(--paper)}.footer-brand .logo-mark{color:#cbd8e8}.footer-brand .logo-point{fill:#cbd8e8}.footer-brand .brand-type small{color:#aebdd0}.footer-brand>p{color:#bcc8d8;max-width:470px;margin:23px 0 0}.footer-grid>div:not(.footer-brand){align-content:start;gap:10px;display:grid}.footer-grid a:not(.brand){color:#d5deea;font-size:.92rem}.footer-grid a:hover{color:var(--paper);text-decoration:underline}.footer-label{color:#e7b486}.footer-legal{border-top:1px solid #3e485c;justify-content:space-between;align-items:flex-end;gap:50px;padding-top:26px;display:flex}.footer-legal p{color:#b6c2d2;max-width:720px;margin:0;font-size:.87rem;line-height:1.55}.footer-legal p:last-child{text-align:right}.mobile-offer-bar{display:none}.not-found{text-align:center;background:var(--porcelain);place-items:center;min-height:68vh;padding:70px 0;display:grid}.not-found>div{max-width:680px}.not-found p{color:var(--slate)}@media (max-width:1040px){.desktop-nav{gap:15px}.desktop-nav a{font-size:.82rem}.hero-grid{grid-template-columns:minmax(0,1fr) minmax(370px,.88fr);gap:42px}.option-grid{grid-template-columns:repeat(2,1fr)}.option-grid article:nth-child(2){border-right:0}.option-grid article:nth-child(3){border-right:1px solid var(--line)}.standards-grid{grid-template-columns:repeat(3,1fr)}.standards-grid article:nth-child(3){border-right:0}.standards-grid article:nth-child(4),.standards-grid article:nth-child(5){min-height:270px}.net-formula{grid-template-columns:repeat(3,1fr)}.net-formula>div:nth-child(3){border-right:0}.guide-layout{grid-template-columns:200px minmax(0,1fr);gap:50px}}@media (max-width:860px){:root{--header-height:64px}.shell{width:min(calc(100% - 34px), var(--shell))}.section{padding:78px 0}.header-inner{grid-template-columns:1fr auto}.desktop-nav,.header-cta{display:none}.mobile-nav{display:block;position:relative}.mobile-nav>summary{place-content:center;gap:5px;width:44px;height:44px;list-style:none;display:grid}.mobile-nav>summary::-webkit-details-marker{display:none}.mobile-nav>summary span{background:var(--midnight);width:23px;height:2px}.mobile-nav nav{background:var(--paper);border:1px solid var(--line-dark);width:min(330px,100vw - 34px);box-shadow:var(--shadow-md);gap:0;padding:12px;display:grid;position:absolute;top:51px;right:0}.mobile-nav nav>a:not(.button){border-bottom:1px solid var(--line);min-height:48px;padding:12px;font-weight:650}.mobile-nav nav .button{margin-top:10px}.hero-grid,.inner-hero-grid,.title-grid,.sequence-grid,.promise-grid,.faq-layout,.long-process,.two-column-copy,.editorial-grid,.form-page-grid,.guide-header-grid,.guide-opening-grid{grid-template-columns:1fr}.form-page-grid{grid-template-rows:auto;grid-template-areas:"intro""card""support"}.hero-grid{gap:44px}.hero-copy{max-width:none}.home-hero{padding:60px 0 65px}.hero-visual{width:min(100%,650px);margin-right:18px}.orientation-grid{grid-template-columns:1fr}.orientation-grid article{border-right:0;border-bottom:1px solid var(--line);min-height:110px;padding:22px 0}.orientation-grid article:last-child{border-bottom:0}.split-heading{grid-template-columns:1fr;gap:24px}.situation-grid{grid-template-columns:1fr}.situation-card,.situation-card:nth-child(2n){border-right:0;padding:26px 0}.sequence-intro,.promise-grid>div:first-child,.faq-layout>div:first-child,.long-process-intro,.form-page-intro{position:static}.sequence-grid,.promise-grid,.faq-layout,.long-process,.title-grid,.two-column-copy,.editorial-grid{gap:52px}.resource-grid{grid-template-columns:repeat(2,1fr)}.resource-card:nth-child(3n){border-right:1px solid var(--line)}.resource-card:nth-child(2n){border-right:0}.factor-grid{grid-template-columns:repeat(2,1fr)}.factor-grid article:nth-child(3n){border-right:1px solid var(--line)}.factor-grid article:nth-child(2n){border-right:0}.standards-grid{grid-template-columns:repeat(2,1fr)}.standards-grid article,.standards-grid article:nth-child(3){border-right:1px solid var(--line)}.standards-grid article:nth-child(2n){border-right:0}.guide-header .answer-card{transform:none}.guide-layout{grid-template-columns:1fr;gap:30px;padding-top:40px}.guide-toc{columns:2;position:static}.guide-toc .mini-label{column-span:all}.form-page-grid{gap:30px}.form-page-intro{padding-top:0}.form-path-preview{grid-template-columns:repeat(3,1fr)}.form-path-preview>div{border-right:1px solid var(--line-dark);grid-template-columns:1fr;align-content:start;padding:14px}.form-path-preview>div:last-child{border-right:0}.comparison-wrap{border:0;overflow:visible}.comparison-table{min-width:0}.comparison-table caption{border-top:2px solid var(--midnight);width:100%;padding:14px 0;display:block}.comparison-table thead{clip:rect(0 0 0 0);width:1px;height:1px;position:absolute;overflow:hidden}.comparison-table,.comparison-table tbody,.comparison-table tr,.comparison-table th,.comparison-table td{width:100%;display:block}.comparison-table tr{border:1px solid var(--line-dark);margin-bottom:20px}.comparison-table tbody th{width:auto;color:var(--paper);background:var(--midnight);padding:14px 16px}.comparison-table td{border-right:0;grid-template-columns:112px 1fr;gap:14px;padding:14px 16px;display:grid}.comparison-table td:before{color:var(--mulberry);content:attr(data-label);font-size:.78rem;font-weight:750}.comparison-table tbody td:last-child{border-left:4px solid #77aa8c}.comparison-table tbody td:last-child:before{color:#24513f}.legal-layout{grid-template-columns:1fr;gap:40px}.legal-layout>aside{position:static}.legal-layout>aside nav{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1.3fr .8fr .8fr;gap:35px}}@media (max-width:640px){body{font-size:16.5px}.shell{width:min(calc(100% - 32px), var(--shell))}.section{padding:66px 0}h1{font-size:clamp(2.45rem,12vw,3.25rem)}h2{font-size:clamp(2rem,9.5vw,2.65rem)}.section-heading{flex-direction:column;align-items:start;gap:18px;margin-bottom:34px}.home-hero{padding:44px 0 48px}.hero-copy h1{font-size:clamp(2.55rem,12.3vw,3.2rem)}.hero-lede,.inner-hero p,.form-page-lede,.guide-dek{font-size:1.04rem}.starter-row{grid-template-columns:1fr;padding:6px}.starter-row input,.starter-row .button{width:100%}.hero-assurances{grid-template-columns:1fr}.hero-assurances span{border-bottom:1px solid #ffffff2e;grid-template-columns:135px 1fr;gap:10px;padding:12px 0;font-size:.86rem;display:grid}.hero-image-frame:before{inset:14px -12px -14px 16px}.hero-image{object-position:center 58%;max-height:560px}.orientation-grid article{grid-template-columns:58px 1fr}.situation-card{grid-template-columns:48px 1fr;gap:15px;min-height:0}.situation-meta small{display:none}.sequence-list article{grid-template-columns:52px 1fr;gap:14px;min-height:0}.option-grid,.resource-grid,.factor-grid,.standards-grid,.net-formula{grid-template-columns:1fr}.option-grid article,.option-grid article:nth-child(2),.option-grid article:nth-child(3),.resource-card,.resource-card:nth-child(2n),.resource-card:nth-child(3n),.factor-grid article,.factor-grid article:nth-child(2n),.factor-grid article:nth-child(3n),.standards-grid article,.standards-grid article:nth-child(2n),.standards-grid article:nth-child(3){border-right:0;min-height:0}.resource-card{background:0 0;padding:26px 0}.resource-card-featured{background:var(--indigo-deep);padding:26px}.title-dossier{margin-top:26px;padding:32px 20px 20px;transform:none}.dossier-row{grid-template-columns:34px 1fr;gap:12px}.promise-list article{grid-template-columns:42px 1fr}.inline-cta{grid-template-columns:1fr;gap:28px;padding:34px 24px}.inline-cta-action{justify-items:stretch}.inline-cta-action small{text-align:center}.inner-hero{padding:46px 0 60px}.inner-hero:before{width:4px;left:0}.plain-card,.answer-card{padding:24px}.long-process-list article{grid-template-columns:46px 1fr;gap:14px}.long-process-list article>span{width:38px;height:38px}.net-formula>div,.net-formula>div:nth-child(3){border-right:0;min-height:0}.resource-feature{grid-template-columns:1fr;margin-bottom:60px}.resource-feature .resource-card,.resource-feature-note{padding:28px}.guide-header{padding:46px 0 58px}.guide-header h1{font-size:clamp(2.45rem,11.5vw,3.35rem)}.guide-layout{padding-bottom:76px}.guide-toc{columns:1}.guide-opening-grid{gap:12px}.guide-terms dl>div{grid-template-columns:1fr;gap:3px}.guide-body>section{margin:58px 0}.guide-body>section>p,.guide-body>section>ul{font-size:1rem}.guide-checklist{padding:28px 22px}.article-steps>div{grid-template-columns:38px 1fr;gap:12px}.form-page{padding:10px 0 76px}.form-page-intro h1{font-size:2.45rem}.form-path-preview{grid-template-columns:1fr}.form-path-preview>div{border-right:0;grid-template-columns:56px 1fr;padding:14px 0}.form-side-note{margin-bottom:4px}.form-page-card{margin-inline:-3px}.form-commercial-disclosure{grid-template-columns:1fr;gap:5px;padding:19px 20px}.lead-form{padding:26px 19px 28px}.form-step>legend{font-size:2rem}.field-row,.field-row-location,.choice-grid-2,.choice-grid-3{grid-template-columns:1fr}.field-row{gap:0}.choice-card{min-height:62px}.form-actions{align-items:stretch}.form-actions .button{min-width:0}.form-microcopy{text-align:center}.legal-header{padding:38px 0 50px}.legal-layout{padding-top:44px;padding-bottom:78px}.legal-layout>aside nav{grid-template-columns:1fr}.legal-body section{margin-bottom:50px}.footer-grid{grid-template-columns:1fr;gap:34px}.footer-legal{flex-direction:column;align-items:flex-start;gap:18px}.footer-legal p:last-child{text-align:left}.site-footer.has-mobile-offer-bar{padding-bottom:calc(112px + env(safe-area-inset-bottom))}.mobile-offer-bar{z-index:90;min-height:72px;padding:9px max(14px, env(safe-area-inset-right)) calc(9px + env(safe-area-inset-bottom)) max(14px, env(safe-area-inset-left));border-top:1px solid var(--line-dark);opacity:0;pointer-events:none;background:#fffffff7;justify-content:space-between;align-items:center;gap:12px;transition:opacity .18s,transform .18s;display:flex;position:fixed;bottom:0;left:0;right:0;transform:translateY(105%);box-shadow:0 -10px 30px #1720331f}.mobile-offer-bar.is-visible{opacity:1;pointer-events:auto;transform:translateY(0)}.mobile-offer-bar>span{line-height:1.25;display:grid}.mobile-offer-bar strong{font-size:.86rem}.mobile-offer-bar small{color:var(--slate);font-size:.79rem}.mobile-offer-bar .button{min-height:46px;padding:10px 14px;font-size:.84rem}}@media (max-width:390px){.brand-type strong{max-width:calc(100vw - 122px)}.brand-type small,.mobile-offer-bar>span{display:none}.mobile-offer-bar .button{width:100%}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}@media print{.site-header,.site-footer,.mobile-offer-bar,.inline-cta,.related-section,.guide-toc,.breadcrumbs{display:none!important}body{background:#fff;padding:0;font-size:11pt}.guide-header{color:#000;background:#fff;padding:0 0 24px}.guide-header h1{color:#000}.guide-header-grid,.guide-layout{width:100%;padding:0;display:block}.answer-card,.guide-checklist{color:#000;box-shadow:none;break-inside:avoid;background:#fff}.guide-checklist h2,.guide-checklist li{color:#000}a{text-decoration:underline}}