:root{--ink:#183653;--muted:#526478;--green:#0067ac;--mint:#d6ecfa;--light:#f2f7fb;--line:#dce5ee;--white:#fff;--accent:#7e4ba1;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;font-size:17px}*{box-sizing:border-box}body{margin:0}a{color:inherit;text-underline-offset:4px}button,input{font:inherit}button,a,input,summary{-webkit-tap-highlight-color:transparent}a,button,summary,input{outline-offset:5px}a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible{outline:3px solid #783f96}p{line-height:1.7;color:var(--muted);margin:0 0 1.2rem}h1,h2,h3{margin:0;color:var(--ink)}h1,h2{font-family:Arial,Helvetica,sans-serif;font-weight:400;letter-spacing:-.04em}h1{font-size:clamp(2.7rem,4.8vw,4.8rem);line-height:1.08}h2{font-size:clamp(2rem,3.2vw,3rem);line-height:1.15}h3{font-size:1.22rem;line-height:1.4;font-weight:600}em{font-weight:400;color:var(--green)}.wrap{max-width:1220px;width:calc(100% - 96px);margin-left:auto;margin-right:auto}.narrow{max-width:820px}.topbar{background:var(--ink);color:#e6f3ed;padding:11px 48px;display:flex;justify-content:space-between;font-size:0.85rem;letter-spacing:.02em}.topbar span{color:#bdcfcc}header{max-width:1400px;margin:auto;padding:26px 48px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid #edf1ef;gap:25px}.brand{display:flex;gap:11px;align-items:center;font-size:1.14rem;font-weight:700;text-decoration:none;line-height:1.3;white-space:nowrap}.brand-sub{display:block;font-size:0.85rem;letter-spacing:.22em;margin-top:2px}.brandmark{width:41px;height:44px;border-radius:13px 13px 18px 18px;background:var(--ink);color:var(--mint);display:grid;place-items:center;font-size:1.5rem}nav{display:flex;gap:27px;align-items:center}nav>a:not(.button){text-decoration:none;font-size:0.95rem;white-space:nowrap;padding:10px 0}nav>a[aria-current=page]{color:var(--green);box-shadow:0 2px var(--green)}nav a:hover,.text-link:hover{color:var(--green)}.button{display:inline-flex;justify-content:center;align-items:center;gap:23px;background:var(--green);color:white;border:1px solid var(--green);border-radius:7px;padding:17px 22px;min-height:52px;font-size:0.95rem;font-weight:600;text-decoration:none;cursor:pointer;line-height:1.35;transition:background .15s,transform .15s}.button:hover{background:#004c82;color:#fff;transform:translateY(-1px)}nav .button{padding:13px 17px;font-size:0.95rem;min-height:46px}.button.secondary{color:var(--ink);background:transparent;border-color:#b9ceca}.button.secondary:hover{background:var(--light)}.menu-toggle{display:none}.eyebrow{font-size:0.85rem;letter-spacing:.15em;line-height:1.5;font-weight:700;color:var(--green);margin:0 0 23px;text-transform:uppercase}.mini-line{display:inline-block;width:25px;height:2px;background:var(--green);vertical-align:middle;margin-right:9px}.hero{display:grid;grid-template-columns:1.14fr 1fr;gap:70px;align-items:center;padding-top:70px;padding-bottom:72px}.hero h1{margin-bottom:26px}.lede{font-size:1.14rem;line-height:1.7;max-width:660px;margin-top:24px;margin-bottom:27px}.hero .lede{max-width:465px}.actions{display:flex;flex-wrap:wrap;gap:13px;margin-bottom:20px}.small{font-size:0.85rem;line-height:1.65}.hero-aside{padding-top:25px}.path-card{padding:30px 34px 27px;background:var(--light);border:1px solid var(--line);border-radius:15px;box-shadow:0 16px 40px #153c4408}.card-label{display:flex;justify-content:space-between;gap:12px;align-items:center;font-size:0.85rem;letter-spacing:.1em;font-weight:700;margin-bottom:28px}.pill{display:inline-flex;align-items:center;justify-content:center;padding:6px 11px;border-radius:20px;background:#e4eef8;letter-spacing:0;font-size:0.85rem;font-weight:600;white-space:nowrap}.path-card h2{font-size:2.2rem;line-height:1.12}.path-list{padding:0;margin:30px 0;list-style:none}.path-list li{display:flex;align-items:flex-start;gap:18px;padding:19px 0;border-top:1px solid #dce5ee}.path-list li>span{font-family:Arial,Helvetica,sans-serif;font-size:1.65rem;line-height:1.4;color:#608679}.path-list h3{font-size:1rem}.path-list p{margin:5px 0 0;font-size:0.95rem}.text-link{font-size:0.95rem;font-weight:600;text-decoration:none;line-height:1.5}.path-card .text-link{display:flex;justify-content:space-between;border-top:1px solid #dce5ee;padding-top:20px}.aside-note{display:flex;gap:14px;margin:22px 15px 0;align-items:center}.aside-note p{font-size:0.85rem;margin:0;line-height:1.65}.aside-note strong{color:var(--ink)}.note-icon{border:1px solid #a8beb7;border-radius:50%;font-family:Arial,Helvetica,sans-serif;font-size:1rem;min-width:23px;height:23px;text-align:center}.trust-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.trust-strip .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:25px 0;font-size:0.85rem}.trust-strip a{font-weight:700;text-decoration:none}.trust-strip span:first-child{font-size:0.85rem;color:var(--muted)}.trust-strip span:last-child{font-size:0.85rem;color:var(--muted)}.section{padding-top:76px;padding-bottom:76px}.split{display:grid;grid-template-columns:1fr 1.1fr;gap:80px}.large-copy{font-size:1.45rem;color:var(--ink);line-height:1.6}.tint{background:var(--light)}.section-head{display:flex;align-items:flex-end;justify-content:space-between;gap:30px;margin-bottom:35px}.section-head p{margin-bottom:0}.section-head .eyebrow{margin-bottom:18px}.three-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.step-card{background:#fff;border:1px solid var(--line);border-radius:9px;padding:30px;text-decoration:none;display:flex;flex-direction:column}.step-card:hover,.guide-card:hover{border-color:#669ac2}.number{font-size:0.85rem;letter-spacing:.12em;color:var(--green);font-weight:700;margin-bottom:33px}.step-card h3{margin-bottom:15px}.step-card p{font-size:.95rem}.step-card .text-link{margin-top:auto;padding-top:8px}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}.guide-card{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:10px;padding:29px;text-decoration:none}.guide-card .eyebrow{font-size:0.85rem;margin-bottom:28px}.guide-card h3{font-family:Arial,Helvetica,sans-serif;font-weight:400;font-size:1.65rem;letter-spacing:-.02em;line-height:1.25;margin-bottom:15px}.guide-card p{font-size:0.95rem}.card-foot{display:flex;justify-content:space-between;font-size:0.85rem;border-top:1px solid var(--line);padding-top:19px;margin-top:auto;color:var(--muted)}.card-foot span{color:var(--green);font-size:1.2rem}.faq-section{display:grid;grid-template-columns:1fr 1.55fr;gap:70px;padding-top:35px}.faq-section h2{margin-bottom:24px}.faqs details{border-bottom:1px solid var(--line)}.faqs details:first-child{border-top:1px solid var(--line)}summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:23px 0;font-size:1rem;font-weight:600;line-height:1.5}summary::-webkit-details-marker{display:none}summary span{font-weight:400;font-size:1.4rem;color:var(--green)}details[open] summary span{transform:rotate(45deg)}details p{padding-right:25px;font-size:.97rem}.end-cta{margin-top:20px;margin-bottom:75px;padding:43px 46px;background:var(--ink);border-radius:12px;display:flex;align-items:center;justify-content:space-between;gap:35px}.end-cta h2{color:white;max-width:640px;font-size:2.4rem}.end-cta .eyebrow{color:var(--mint);margin-bottom:14px}.end-cta p{color:#c6dcd6;margin-top:17px;margin-bottom:0}.end-cta .button{background:var(--mint);color:var(--ink);border-color:var(--mint);white-space:nowrap}footer{background:var(--light);padding:50px max(48px,calc((100% - 1220px)/2)) 20px}.footer-top{display:flex;justify-content:space-between;gap:35px;padding-bottom:35px}.footer-top>p{font-size:0.95rem;margin:0}.footer-top>div{display:flex;gap:23px;font-size:0.85rem;align-items:flex-start}.footer-bottom{border-top:1px solid var(--line);padding-top:25px;display:flex;justify-content:space-between;gap:60px}.footer-bottom p{font-size:0.85rem;max-width:690px}.page-intro{padding-top:64px;padding-bottom:48px;border-bottom:1px solid var(--line)}.page-intro h1{max-width:930px;font-size:clamp(2.7rem,4.8vw,4.2rem)}.page-intro .lede{max-width:740px;margin-bottom:0}.article-layout{display:grid;grid-template-columns:minmax(0,760px) 290px;justify-content:space-between;gap:75px;padding-top:48px;padding-bottom:55px}article h2{font-size:1.85rem;margin:36px 0 18px}article h2:first-child{margin-top:0}article h3{margin-bottom:14px}article p{font-size:1.02rem}article a,.panel a:not(.button){color:var(--green)}.content-list{padding-left:24px;line-height:1.8;color:var(--muted);margin:15px 0 28px}.content-list li{padding-left:5px;margin-bottom:11px}.side-card{position:sticky;top:25px;height:fit-content;background:var(--light);border:1px solid var(--line);border-radius:10px;padding:25px}.side-card h3{font-family:Arial,Helvetica,sans-serif;font-size:1.6rem;font-weight:400;margin-bottom:16px}.side-card p{font-size:0.95rem}.side-card .button{font-size:0.95rem;width:100%;gap:8px}.side-card .text-link{display:block;margin-top:22px}.callout,.example{border-radius:8px;padding:27px 30px;margin:30px 0;background:var(--light);border-left:4px solid #0067ac}.example{border-left-color:var(--accent);background:#f5f2f9}.example h3{font-family:Arial,Helvetica,sans-serif;font-size:1.7rem}.callout p:last-child,.example p:last-child{margin-bottom:0}.example .eyebrow{display:block;margin-bottom:18px}.sources{border-top:1px solid var(--line);margin-top:42px;padding-top:25px}.sources h2{font-family:Arial,Helvetica,sans-serif;font-size:1.05rem;font-weight:600;letter-spacing:0}.sources p,.sources li{font-size:0.95rem}.sources ul{padding-left:20px;line-height:1.8}.sources li{margin-bottom:10px}.guide-library{padding-top:40px}.guide-library .guide-grid{row-gap:26px}.document-layout{display:grid;grid-template-columns:1.5fr 1fr;gap:35px;padding-top:43px}.panel{padding:30px;border:1px solid var(--line);border-radius:10px}.panel h2{font-size:1.8rem}.panel h3{margin:15px 0}.panel .section-head{align-items:center;gap:10px;margin-bottom:20px}.checks label{display:flex;gap:15px;padding:20px 0;border-top:1px solid var(--line);cursor:pointer;line-height:1.5}.checks input{accent-color:var(--green);width:22px;height:22px;flex-shrink:0;margin:2px 0 0}.checks strong{font-weight:600}.checks small{display:block;color:var(--muted);font-size:0.85rem;margin-top:5px}.checks{margin-bottom:20px}.checklist>.small{margin-top:20px;margin-bottom:0}.dark{background:var(--ink);color:#fff;border:0}.dark h2{color:#fff;margin-bottom:20px}.dark p{color:#d1e0dc}.dark .eyebrow{color:var(--mint)}.dark .button{background:var(--mint);color:var(--ink);border-color:var(--mint);margin-bottom:18px}.dark .small{margin-bottom:0}.delivery{display:flex;flex-direction:column;gap:23px}.delivery h3{margin-top:0}.two-cards{display:grid;grid-template-columns:1fr 1fr;gap:25px;margin:30px 0 25px}.choice-list{display:flex;flex-direction:column;gap:15px}.choice-list a{display:flex;align-items:center;gap:22px;border:1px solid var(--line);border-radius:10px;padding:26px;text-decoration:none}.choice-list a:hover{background:var(--light);border-color:#669ac2}.choice-list a>span:nth-child(2){flex:1}.choice-list strong{font-weight:600;line-height:1.5}.choice-list small{display:block;color:var(--muted);font-size:0.95rem;margin-top:8px;line-height:1.5}.choice-num{font-family:Arial,Helvetica,sans-serif;color:var(--green);font-size:1.6rem}blockquote{margin:25px 0;border-left:3px solid var(--green);background:var(--light);padding:25px;line-height:1.8;color:var(--muted)}.skip{position:absolute;left:20px;top:-90px;background:white;padding:15px;z-index:5}.skip:focus{top:10px}
@media(min-width:1450px){.hero{gap:100px}.hero h1{font-size:5rem}}
@media(max-width:1100px){.wrap{width:calc(100% - 64px)}header{padding:23px 32px;gap:20px}nav{gap:18px}nav>a:not(.button){font-size:0.85rem}nav .button{font-size:0.85rem;padding:12px}.hero{gap:40px}.hero h1{font-size:4rem}.hero .actions .button{padding:14px 17px;font-size:0.95rem;gap:10px}.path-card{padding:27px}.article-layout{gap:40px;grid-template-columns:minmax(0,1fr) 260px}.step-card,.guide-card{padding:23px}.footer-top>div{flex-direction:column;gap:12px}.end-cta{padding:35px}}
@media(max-width:800px){.wrap{width:calc(100% - 40px)}.topbar{padding:10px 20px;font-size:0.85rem}.topbar span{display:none}header{padding:20px;flex-wrap:wrap}.brand{font-size:1rem}.brandmark{width:36px;height:39px}.menu-toggle{display:block;border:1px solid var(--line);background:white;color:var(--ink);padding:11px 15px;border-radius:5px;font-size:0.95rem}nav{display:none;width:100%;flex-direction:column;align-items:stretch;padding-top:15px;gap:8px}nav.open{display:flex}nav>a:not(.button){padding:13px;font-size:1rem}nav .button{font-size:.95rem}.hero{grid-template-columns:1fr;gap:26px;padding-top:43px;padding-bottom:43px}.hero h1{font-size:clamp(2.85rem,8vw,4rem)}.hero h1 br:nth-child(1){display:none}.hero .lede{max-width:600px}.hero-aside{padding-top:0}.path-card{padding:26px}.path-card h2{font-size:2.1rem}.path-list{margin:23px 0}.aside-note{margin-left:0}.trust-strip .wrap{flex-wrap:wrap;justify-content:flex-start;gap:15px 25px}.trust-strip span:first-child{width:100%}.trust-strip span:last-child{width:100%}.split{grid-template-columns:1fr;gap:25px}.section{padding-top:48px;padding-bottom:48px}.section-head{align-items:flex-start;flex-direction:column;gap:20px}.three-cards,.guide-grid{grid-template-columns:1fr}.step-card .number{margin-bottom:20px}.step-card,.guide-card{padding:28px}.guide-card .eyebrow{margin-bottom:20px}.faq-section{grid-template-columns:1fr;gap:30px}.faq-section h2 br{display:none}.end-cta{flex-direction:column;align-items:flex-start;padding:30px 25px;margin-bottom:45px;gap:25px}.end-cta h2{font-size:2.2rem}.end-cta .button{white-space:normal}footer{padding:35px 20px 15px}.footer-top{flex-direction:column;gap:25px}.footer-top>div{flex-direction:row;flex-wrap:wrap;gap:20px}.footer-bottom{flex-direction:column;gap:0}.page-intro{padding-top:42px;padding-bottom:34px}.page-intro h1{font-size:2.8rem}.article-layout{grid-template-columns:1fr;gap:35px;padding-top:30px}.side-card{position:static}.document-layout{grid-template-columns:1fr;gap:25px;padding-top:30px}.two-cards{grid-template-columns:1fr}.panel{padding:24px}.panel .section-head{align-items:flex-start}.choice-list a{padding:22px 17px;gap:15px}.callout,.example{padding:23px}.lede{font-size:1.05rem}.large-copy{font-size:1.2rem}.guide-library{padding-top:30px}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{header,footer,.topbar,.menu-toggle,.delivery,.button,.end-cta,.skip{display:none!important}.wrap{width:100%;max-width:none}.document-layout,.article-layout{display:block}.section,.page-intro{padding:15px 0}.panel,.callout,.example{break-inside:avoid}body{font-size:12pt}.checks label{padding:10px 0}h1{font-size:28pt!important}h2{font-size:20pt!important}p{color:#222}.side-card{display:none}}

/* Insurance-inspired typography, navigation, and benefit-first composition. */
h1,h2{font-weight:700;letter-spacing:-.035em}h3{font-weight:700}.brand{color:#003b71;font-size:1.2rem}.brandmark{background:#0067ac;border-radius:9px;color:white}.brand-sub{font-size:0.85rem;letter-spacing:.16em}.topbar{background:#f2f7fb;color:#385b7d;border-bottom:1px solid var(--line)}.topbar span{color:#526478}header{padding-top:22px;padding-bottom:22px;border:0}.button{border-radius:5px;box-shadow:none}.button.secondary{border-color:#0067ac;color:#0067ac;background:white}.hero-background{background:#edf5fc;border-top:1px solid #e0ecf6}.hero{grid-template-columns:minmax(0,1.3fr) minmax(300px,.85fr);gap:70px;padding-top:65px;padding-bottom:65px}.hero h1{font-size:clamp(2.8rem,4.6vw,4.15rem);line-height:1.12;margin-bottom:24px;color:#003b71}.hero h1 span{color:#0067ac}.hero .lede{max-width:620px;font-size:1.15rem;margin:0 0 30px}.hero .actions{gap:12px;margin-bottom:25px}.hero .button{gap:14px;padding:16px 20px}.hero .eyebrow{font-size:0.85rem;letter-spacing:.1em}.assurance-badges{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:10px 18px}.assurance-badges li{font-size:0.85rem;color:#3b5974;display:flex;align-items:center;gap:6px}.assurance-badges span{color:#0067ac;font-weight:bold}.possibility-panel{background:white;border:1px solid #d3e0ed;border-top:5px solid #7c4399;border-radius:5px;padding:28px 30px;box-shadow:0 6px 22px #003b7108}.possibility-panel .eyebrow{color:#70408c;font-size:0.85rem;margin-bottom:6px}.zero-amount{font-size:6.5rem;line-height:1.05;font-weight:750;letter-spacing:-.07em;color:#003b71;margin:5px 0 12px;display:flex;gap:12px;align-items:baseline;flex-wrap:wrap}.zero-amount span{font-size:1.05rem;letter-spacing:0;color:#526478;font-weight:400}.possibility-panel h2{font-size:1.4rem;line-height:1.35;letter-spacing:-.015em;margin-bottom:15px}.possibility-panel>p:not(.zero-amount):not(.eyebrow){font-size:.96rem}.panel-link{display:flex;align-items:center;justify-content:space-between;gap:20px;color:#0067ac;font-size:0.95rem;font-weight:700;text-decoration:none;padding-bottom:22px}.panel-disclosure{border-top:1px solid #dce5ee;padding-top:17px;font-size:0.85rem;line-height:1.6;color:#526478}.benefits-strip{background:#003b71;color:white;display:flex;align-items:stretch;padding:0;overflow:hidden;position:relative}.benefits-window{overflow:hidden;flex:1;min-width:0}.benefits-track{display:flex;width:max-content;animation:benefits-scroll 44s linear infinite}.benefits-group{display:flex;flex-shrink:0;align-items:center;list-style:none;gap:0;padding:0;margin:0}.benefits-group li{font-size:0.95rem;font-weight:500;white-space:nowrap;display:flex;align-items:center;gap:11px;padding:22px 32px}.benefits-group li span{color:#a2d9fc;font-size:1rem}.ticker-toggle{border:0;border-left:1px solid #42719b;background:#003b71;color:white;cursor:pointer;font-size:0.85rem;font-weight:600;width:75px;flex-shrink:0}.ticker-toggle:hover{background:#004c82}.benefits-strip.paused .benefits-track,.benefits-strip:hover .benefits-track,.benefits-strip:focus-within .benefits-track{animation-play-state:paused}.trust-strip{background:#fff}.trust-strip .wrap{flex-wrap:wrap;font-size:0.85rem;padding-top:21px;padding-bottom:21px}.trust-strip span:last-child{font-size:0.85rem}.eyebrow{letter-spacing:.1em}.step-card{border:0;border-top:3px solid #0067ac;border-radius:0;padding:28px 27px;background:transparent}.three-cards{gap:0}.step-card+.step-card{border-left:1px solid #d3e0ed}.step-card:hover{background:#e8f1f9}.number{color:#0067ac}.guide-card{border-radius:5px;border-top:3px solid #d3e0ed}.guide-card h3{font-family:Arial,Helvetica,sans-serif;font-weight:700;font-size:1.38rem;line-height:1.35}.guide-card:hover{border-top-color:#0067ac}.end-cta{background:#003b71;border-radius:5px}.end-cta h2{font-size:2.1rem}.end-cta .eyebrow{color:#b7dffa}.end-cta p{color:#d7e7f5}.end-cta .button{background:white;border-color:white;color:#0067ac}.side-card{border-radius:5px;border-top:3px solid #0067ac}.side-card h3{font-family:Arial,Helvetica,sans-serif;font-weight:700;font-size:1.35rem}.example h3{font-family:Arial,Helvetica,sans-serif;font-weight:700;font-size:1.5rem}.dark{background:#003b71}.dark p{color:#deebf7}.dark .eyebrow{color:#b7dffa}.dark .button{background:white;color:#0067ac}.page-intro{padding-bottom:40px}.page-intro h1{font-size:clamp(2.5rem,4.3vw,3.7rem)}.panel,.choice-list a{border-radius:5px}.footer-top .brandmark{color:white}.section-head h2{max-width:800px}article h2{font-size:1.65rem;letter-spacing:-.025em}summary{font-weight:700}.large-copy{font-size:1.3rem}.split h2{font-size:2.6rem}.skip:focus{z-index:10}
@keyframes benefits-scroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media(max-width:1100px){.hero{gap:35px}.hero h1{font-size:3.3rem}.hero .button{font-size:0.95rem;padding:14px 15px}.possibility-panel{padding:26px 24px}.zero-amount{font-size:5.7rem}.brand{font-size:1.05rem}}
@media(max-width:800px){.hero{grid-template-columns:1fr;padding-top:40px;padding-bottom:40px;gap:32px}.hero h1{font-size:clamp(2.6rem,8vw,3.6rem)}.hero h1 br:nth-child(1){display:initial}.hero .lede{font-size:1.07rem}.hero .button{font-size:0.95rem;min-height:50px}.hero .eyebrow{font-size:0.85rem}.assurance-badges{gap:12px}.assurance-badges li{font-size:0.85rem}.possibility-panel{padding:25px;max-width:none}.zero-amount{font-size:5.8rem}.benefits-group li{padding:19px 24px;font-size:0.95rem}.ticker-toggle{width:62px}.trust-strip .wrap{gap:15px 22px}.step-card+.step-card{border-left:0;margin-top:20px}.step-card{padding:25px 0}.end-cta h2{font-size:1.8rem}.split h2{font-size:2.1rem}.page-intro h1{font-size:2.6rem}}
@media(prefers-reduced-motion:reduce){.benefits-track{animation:none;width:auto}.benefits-group{flex-wrap:wrap;width:100%}.benefits-group li{white-space:normal;padding:12px 20px;font-size:0.95rem}.benefits-group[aria-hidden=true]{display:none}.ticker-toggle{display:none}}
@media print{.benefits-strip{display:none}.hero-background{background:white}.hero{display:block}.possibility-panel{margin-top:25px}}
/* Direct insurance planning flow. */
[hidden]{display:none!important}.options-section{padding-top:26px;padding-bottom:65px}.rate-notice{padding:15px 18px;background:#f2f7fb;border:1px solid #dce5ee;border-radius:5px;color:#526478;font-size:0.95rem;line-height:1.55;margin-bottom:27px}.rate-notice strong{color:#183653}.flow-progress{display:flex;list-style:none;padding:0;margin:0 0 30px;border-bottom:1px solid #dce5ee;gap:32px}.flow-progress li{display:flex;align-items:center;gap:10px;padding:0 0 18px;color:#526478;font-size:0.95rem;border-bottom:3px solid transparent}.flow-progress li[aria-current=step]{border-bottom-color:#0067ac;color:#003b71;font-weight:700}.flow-progress span{display:grid;place-items:center;width:27px;height:27px;background:#edf3f9;color:#526478;border-radius:50%;font-size:0.85rem;flex-shrink:0}.flow-progress li[aria-current=step] span{background:#0067ac;color:#fff}.option-workspace{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:40px;align-items:start}.option-main{min-width:0}.option-main h2{font-size:1.8rem;margin:0 0 14px;letter-spacing:-.025em}.option-main h3{font-size:1.06rem;margin-bottom:10px}.amount-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:25px 0}.amount-card{position:relative;border:2px solid #dce5ee;border-radius:7px;background:white;cursor:pointer;padding:22px 16px;text-align:left;color:#526478;display:flex;flex-direction:column;gap:5px;font-size:0.95rem;min-height:112px}.amount-value{font-size:2rem;font-weight:700;color:#003b71;letter-spacing:-.03em}.amount-check{position:absolute;top:12px;right:12px;color:#0067ac;font-size:1.15rem}.amount-card:hover{border-color:#669ac2;background:#f6faff}.amount-card[aria-pressed=true]{border-color:#0067ac;background:#edf6ff;box-shadow:0 0 0 1px #0067ac}.exact-amount{margin:24px 0;display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:12px}.exact-amount label{font-weight:600;font-size:0.95rem}.exact-amount select{width:100%;font:inherit;padding:13px 38px 13px 13px;border:1px solid #b8cadb;border-radius:5px;color:#183653;background:#fff;min-height:49px}.exact-amount>.small{grid-column:1/-1;margin:0}.button:disabled{background:#e3ebf3;color:#617589;border-color:#d6e1ec;cursor:not-allowed;transform:none}.option-summary{background:#f2f7fb;border:1px solid #dce5ee;border-radius:7px;padding:27px;position:sticky;top:25px}.selected-price{display:flex;align-items:baseline;gap:8px;flex-wrap:wrap;margin-bottom:12px}.selected-price>span{font-size:3.4rem;line-height:1.2;letter-spacing:-.04em;font-weight:700;color:#003b71}.selected-price small{font-size:0.95rem;color:#526478}.option-summary h3{font-size:1rem}.option-summary p{font-size:0.95rem}.option-summary .small{font-size:0.85rem;margin-bottom:0}.option-summary ol{padding-left:19px;font-size:0.95rem;color:#526478;line-height:1.6;margin:15px 0 23px}.option-summary li{margin-bottom:9px;padding-left:3px}.summary-divider{height:1px;background:#dce5ee;margin:22px 0}.flow-back{border:0;background:none;color:#0067ac;font-size:0.95rem;padding:0 0 22px;cursor:pointer;text-align:left}.fit-message{padding:23px;border-left:3px solid #0067ac;background:#f2f7fb;margin:24px 0}.fit-message p{margin-bottom:0}.fit-checks{list-style:none;padding:0;line-height:1.7;color:#526478;margin:18px 0 25px}.fit-checks li{padding:12px 0 12px 27px;border-bottom:1px solid #edf2f7;position:relative}.fit-checks li:before{content:'✓';position:absolute;left:0;color:#0067ac;font-weight:bold}.application-status{background:#f5f2f9;border-left:3px solid #7c4399;border-radius:3px;padding:23px;margin:25px 0}.application-status p{margin-bottom:0}.option-main .actions{align-items:center}.option-questions{display:grid;grid-template-columns:1fr 1.7fr;gap:60px;border-top:1px solid #dce5ee;margin-top:65px;padding-top:45px}.option-questions h2{font-size:2rem;margin-bottom:15px}.option-source{margin-top:27px}.process-section{padding-top:40px;padding-bottom:60px;max-width:980px}.process-steps{list-style:none;padding:0;margin:0;display:grid;gap:0}.process-steps li{display:grid;grid-template-columns:62px 1fr;gap:24px;align-items:start;position:relative;padding:0 0 33px}.process-steps li:not(:last-child):before{content:'';position:absolute;left:25px;top:52px;bottom:0;width:2px;background:#dce5ee}.process-number{width:52px;height:52px;display:grid;place-items:center;border-radius:50%;background:#0067ac;color:white;font-size:1.25rem;font-weight:700;z-index:1}.process-steps h2{font-size:1.5rem;letter-spacing:-.02em;padding-top:9px;margin-bottom:9px}.process-steps p{max-width:670px;margin:0;font-size:1rem}.process-finish{display:flex;gap:18px;align-items:center;padding:22px 25px;background:#f2f7fb;border:1px solid #dce5ee;border-radius:6px}.process-finish>span{font-size:1.5rem;color:#0067ac}.process-finish p{margin:0;font-size:.96rem}.process-finish strong{display:block;color:#183653}.process-action{display:flex;flex-direction:column;align-items:center;gap:17px;margin-top:30px;text-align:center}.process-action p{margin:0;max-width:620px}
@media(max-width:1050px){.option-workspace{grid-template-columns:minmax(0,1fr) 280px;gap:25px}.amount-grid{grid-template-columns:repeat(3,1fr)}.exact-amount{grid-template-columns:1fr}.flow-progress{gap:23px}.flow-progress li{font-size:0.95rem}}
@media(max-width:800px){.option-workspace{grid-template-columns:1fr}.option-summary{position:static;padding:24px}.flow-progress{gap:8px;justify-content:space-between}.flow-progress li{font-size:0.85rem;gap:6px;align-items:flex-start;flex:1;line-height:1.45}.flow-progress span{width:23px;height:23px;font-size:0.85rem}.amount-grid{grid-template-columns:repeat(2,1fr)}.amount-card{min-height:102px}.option-main .button{width:100%;white-space:normal}.option-questions{grid-template-columns:1fr;gap:20px;padding-top:35px;margin-top:40px}.option-summary .eyebrow{margin-bottom:10px}.process-steps li{grid-template-columns:43px 1fr;gap:16px;padding-bottom:30px}.process-number{width:42px;height:42px;font-size:1.1rem}.process-steps li:not(:last-child):before{left:20px;top:42px}.process-steps h2{font-size:1.3rem;padding-top:6px}.process-section{padding-top:30px}.process-finish{padding:20px}.rate-notice{font-size:0.85rem}.option-questions h2{font-size:1.8rem}}
@media print{.flow-progress,.flow-back,.amount-grid,.exact-amount,.option-questions,.option-source,.rate-notice{display:none!important}.option-workspace{display:block}.option-summary{position:static;margin:20px 0}.options-section{padding:20px 0}.option-main section[hidden]{display:none!important}.process-number{color:#000;border:1px solid #000}.process-steps li{break-inside:avoid}.application-status{border-color:#000}}
.plan-family{margin:18px 0 26px}.plan-family>h3{font-size:1.12rem;padding-top:10px}.plan-family .amount-grid{margin-top:15px}.plan-maximum{border-top:1px solid #dce5ee;margin-top:12px;padding-top:10px;font-size:1.05rem;font-weight:700;color:#183653}.plan-maximum small{display:block;font-size:0.85rem;color:#526478;font-weight:400;margin-top:4px}.plan-family .amount-card{padding:21px 14px 15px}.plan-family .amount-value{font-size:1.8rem}.plan-comparison{border-top:1px solid #dce5ee;border-bottom:1px solid #dce5ee;margin-bottom:25px}.plan-comparison summary{padding:17px 0;color:#0067ac;font-size:0.95rem}.vision-options{padding:0;margin:25px 0;border:0;min-width:0}.vision-options legend{font-weight:700;font-size:1.1rem;margin-bottom:14px}.vision-options label{display:flex;align-items:center;gap:12px;border:1px solid #dce5ee;border-radius:5px;padding:16px;margin-bottom:10px;cursor:pointer;color:#183653}.vision-options label:has(input:checked){border-color:#0067ac;background:#edf6ff}.vision-options input{width:19px;height:19px;accent-color:#0067ac;flex-shrink:0}.vision-options span{flex:1;font-size:0.95rem}.vision-options small{display:block;font-size:0.85rem;color:#526478;margin-top:5px}.vision-options b{font-size:0.95rem;white-space:nowrap}.price-breakdown{font-size:0.95rem;color:#526478;margin:20px 0}.price-breakdown>div{display:flex;justify-content:space-between;gap:10px;padding:9px 0;border-top:1px solid #dce5ee}.price-breakdown dd{margin:0;white-space:nowrap;color:#183653;font-weight:600}.selection-detail{font-size:0.95rem;color:#526478}.selected-price>span{font-size:2.8rem}.exact-amount{grid-template-columns:1fr}.exact-amount select{font-size:0.95rem}
@media(max-width:800px){.vision-options label{padding:13px;gap:9px}.vision-options b{font-size:0.85rem}.vision-options span{font-size:0.95rem}.plan-family .amount-value{font-size:1.8rem}}
@media print{.plan-comparison,.vision-options{display:none!important}.price-breakdown{display:block}}
.upload-guide{padding-top:45px;padding-bottom:35px;scroll-margin-top:24px}.upload-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:25px;margin-bottom:27px}.upload-heading .eyebrow{margin-bottom:14px}.upload-heading h2{font-size:2.1rem;margin:0 0 13px;line-height:1.2}.upload-heading p{margin-bottom:0}.upload-guide-label{background:#edf5fc;color:#005c9c;border:1px solid #dce5ee;border-radius:5px;padding:10px 13px;white-space:nowrap;font-size:0.85rem}.upload-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;list-style:none;padding:0;margin:0}.upload-steps>li{padding:24px;border:1px solid #d4e2ef;border-top:3px solid #0067ac;border-radius:5px;background:#fff}.upload-step-top{display:flex;align-items:center;gap:13px;margin-bottom:21px}.upload-number{display:grid;place-items:center;width:37px;height:37px;background:#0067ac;color:#fff;border-radius:50%;font-size:1.1rem;font-weight:700;flex-shrink:0}.upload-label{font-size:0.85rem;letter-spacing:.07em;font-weight:700;color:#526478}.upload-steps h3{font-size:1.1rem;line-height:1.4;margin:0 0 12px}.upload-steps p{font-size:0.95rem;line-height:1.65;margin:0}.upload-steps a{color:#0067ac}.upload-after{display:flex;gap:17px;background:#edf5fc;border:1px solid #d4e2ef;border-radius:5px;padding:24px;margin-top:23px}.upload-info{display:grid;place-items:center;border:1px solid #0067ac;color:#0067ac;width:25px;height:25px;border-radius:50%;flex-shrink:0;font-weight:700;font-size:0.95rem}.upload-after h3{font-size:1.08rem;margin:0 0 9px}.upload-after p{font-size:.95rem;margin:0}.upload-actions{display:flex;flex-wrap:wrap;gap:13px;margin-top:25px}.upload-footnote{margin:22px 0 10px}.upload-source{margin-bottom:0}.upload-compact{padding-top:15px}.upload-compact .upload-heading{display:block}.upload-compact .upload-guide-label{display:none}.upload-compact .upload-steps{grid-template-columns:repeat(2,minmax(0,1fr))}.upload-compact .upload-steps>li{padding:20px}
@media(max-width:800px){.upload-guide{padding-top:32px}.upload-heading{display:block}.upload-guide-label{display:none}.upload-heading h2{font-size:1.8rem}.upload-steps,.upload-compact .upload-steps{grid-template-columns:1fr}.upload-steps>li{padding:22px}.upload-step-top{margin-bottom:15px}.upload-after{padding:20px;gap:13px}.upload-actions .button{flex:1;min-width:180px}}
@media print{.printing-upload-guide .page-intro,.printing-upload-guide .document-layout,.printing-upload-guide main>.section,.printing-upload-guide .article-layout>aside,.printing-upload-guide .end-cta{display:none!important}.printing-upload-guide article>*:not(.upload-guide){display:none!important}.printing-upload-guide .upload-guide{display:block;padding:0}.printing-upload-guide .article-layout{padding:0}.upload-guide-label,.upload-actions{display:none!important}.upload-heading h2{font-size:21pt!important}.upload-steps,.upload-compact .upload-steps{display:grid;grid-template-columns:1fr 1fr;gap:10px}.upload-steps>li{padding:12px;break-inside:avoid}.upload-steps p,.upload-after p{font-size:10pt}.upload-step-top{margin-bottom:10px}.upload-number{color:#003b71;background:#fff;border:1px solid #003b71}.upload-after{padding:12px;break-inside:avoid}.upload-footnote,.upload-source{font-size:9pt}.upload-heading{margin-bottom:15px}}
/* A shorter, quieter path from plan choice to paperwork. */
.topbar{padding-top:8px;padding-bottom:8px;font-size:0.85rem}header{padding-top:19px;padding-bottom:19px}nav{gap:30px}.simple-hero{background:#edf5fc;border-top:1px solid #dce5ee;padding:65px 0 55px}.simple-hero h1{font-size:clamp(2.6rem,4.6vw,4.1rem);line-height:1.12;max-width:850px;color:#003b71}.simple-hero h1 span{color:#0067ac}.simple-hero .eyebrow{margin-bottom:20px;font-size:0.95rem}.simple-hero .lede{max-width:670px;font-size:1.15rem;margin:22px 0 25px}.simple-hero .button{min-width:210px;font-size:1rem}.hero-rate{margin:16px 0 10px;font-size:0.95rem;color:#183653}.simple-disclosure{font-size:0.95rem;max-width:620px;margin-bottom:23px}.simple-section{padding-top:48px;padding-bottom:48px}.simple-section h2{font-size:2rem;margin-bottom:26px}.simple-path{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:35px;list-style:none;padding:0;margin:0 0 16px}.simple-path li{position:relative;padding-left:51px}.simple-path li>span{position:absolute;left:0;top:0;background:#edf5fc;color:#0067ac;border-radius:50%;width:35px;height:35px;display:grid;place-items:center;font-weight:700}.simple-path h3{font-size:1.15rem;padding-top:3px;margin-bottom:10px}.simple-path p{font-size:1rem;margin-bottom:15px}.simple-faq{border-top:1px solid var(--line);padding-bottom:60px;max-width:950px}.simple-faq>.text-link{display:inline-block;margin-top:24px}.page-intro{padding-top:42px;padding-bottom:30px}.page-intro h1{font-size:clamp(2.3rem,4vw,3.3rem)}.page-intro .eyebrow{margin-bottom:14px}.page-intro .lede{margin-top:16px;font-size:1.06rem}.upload-guide h2{font-size:1.65rem;margin-bottom:26px}.upload-simple{list-style:none;margin:0;padding:0}.upload-simple>li{display:grid;grid-template-columns:37px minmax(0,1fr);gap:19px;margin-bottom:27px}.upload-simple h3{font-size:1.14rem;margin:4px 0 8px}.upload-simple p{font-size:1rem;margin:0;max-width:660px}.simple-details{border-bottom:1px solid var(--line)}.simple-details>summary{padding:18px 0;font-size:.96rem;color:#0067ac}.simple-details p{padding:0 0 16px;margin:0}.simple-details>summary>span{font-size:1.3rem}.upload-simple .simple-details{margin-top:8px}.click-list{padding:0 0 15px 21px;margin:0;color:var(--muted);line-height:1.7}.click-list li{margin:0 0 12px;padding-left:5px}.print-link{background:none;border:0;padding:14px;color:#0067ac;text-decoration:underline;text-underline-offset:4px;cursor:pointer;font:inherit}.document-extras{padding-bottom:55px}.document-extras .checklist{padding:5px 0 22px}.upload-help{margin-top:6px}.upload-guide{padding-bottom:12px}.upload-footnote{margin-top:16px}.option-questions-simple{margin-top:40px}.option-questions-simple .faqs{padding:0 15px 20px}.option-summary{padding:24px}.option-summary .small,.small{font-size:0.95rem}.option-summary .eyebrow{margin-bottom:15px}.option-main h2{font-size:1.6rem}.option-main .exact-amount{margin-top:18px}.options-section{padding-top:25px}.option-source{font-size:0.95rem}.vision-options small{font-size:0.95rem}.footer-bottom p{font-size:0.85rem}.footer-top>div{font-size:0.95rem}.process-section{max-width:820px}.process-steps li{padding-bottom:24px}
@media(max-width:800px){.simple-hero{padding:40px 0}.simple-hero .lede{font-size:1.05rem}.simple-hero .button{width:100%}.simple-path{grid-template-columns:1fr;gap:15px}.simple-path li{padding-left:50px}.simple-section{padding-top:35px;padding-bottom:35px}.simple-section h2{font-size:1.75rem}.simple-hero .text-link{display:inline-block;line-height:1.6}.simple-hero .eyebrow{font-size:0.85rem}.hero-rate{font-size:0.95rem}.upload-simple>li{gap:14px}.upload-guide{padding-top:28px}.upload-actions{align-items:center}.upload-actions .button{min-width:160px}.upload-actions .print-link{flex:auto}.flow-progress li{font-size:0.95rem}.footer-top>p{display:none}.page-intro{padding-top:32px}.option-summary{position:static}.option-questions-simple .faqs{padding-left:0;padding-right:0}.simple-disclosure{font-size:0.95rem}}
@media print{.print-link,.document-extras,.upload-help{display:none!important}.upload-simple>li{break-inside:avoid}.upload-simple .simple-details{border:0}.upload-simple .simple-details>summary{display:none}.upload-simple p,.click-list{font-size:11pt}.simple-hero{background:white;padding:15px 0}.simple-path{display:block}}

/* Shared shield mark for the site identity. */
.brandmark{background:transparent;border-radius:0;flex-shrink:0}.brandmark svg{display:block;width:100%;height:100%}

/* SEO/GEO components (Sept 30 2026) */
.crumbs{font-size:0.85rem;color:var(--muted);margin:0 0 18px}.crumbs a{color:var(--muted)}.crumbs span{margin:0 7px}
.answer-box{margin:26px 0 0;max-width:760px;background:#fff;border:1px solid var(--line);border-left:4px solid var(--green);border-radius:8px;padding:20px 24px}.answer-box .eyebrow{margin-bottom:8px}.answer-box p:last-child{margin:0;color:var(--ink);font-size:1.05rem}
.data-table{width:100%;border-collapse:collapse;margin:20px 0 30px;font-size:.95rem}.data-table caption{text-align:left;font-weight:600;color:var(--ink);padding-bottom:10px}.data-table th,.data-table td{border-bottom:1px solid var(--line);padding:12px 10px;text-align:left;vertical-align:top;line-height:1.55;color:var(--muted)}.data-table th{color:var(--ink);background:var(--light);font-weight:600}.table-scroll{overflow-x:auto}
.formula{font-size:1.1rem;color:var(--ink);background:var(--light);border-radius:8px;padding:18px 22px;margin:18px 0 26px;line-height:1.6}
.related{border-top:1px solid var(--line);margin-top:42px;padding-top:25px}.related h2{font-size:1.05rem;font-weight:600;letter-spacing:0;margin:0 0 12px}.related ul{list-style:none;padding:0;margin:0;display:grid;gap:10px}.related a{font-weight:600;text-decoration:none}
.calc{border:1px solid var(--line);border-radius:10px;padding:28px;background:#fff}.calc label{display:block;font-weight:600;color:var(--ink);margin:0 0 6px}.calc .field{margin-bottom:20px}.calc input,.calc select{width:100%;max-width:320px;padding:12px 14px;border:1px solid #b9ceca;border-radius:7px;font:inherit;font-size:1rem;background:#fff;color:var(--ink)}.calc small{display:block;color:var(--muted);font-size:0.85rem;margin-top:6px;line-height:1.5}.calc-result{margin-top:24px;background:var(--light);border-radius:8px;padding:22px 24px}.calc-result .big{font-size:2.4rem;color:var(--ink);letter-spacing:-.03em;margin:4px 0 10px}.calc-result dl{display:grid;grid-template-columns:1fr auto;gap:8px 20px;margin:14px 0 0;font-size:0.95rem}.calc-result dt{color:var(--muted)}.calc-result dd{margin:0;color:var(--ink);text-align:right}
.footer-links{display:grid;grid-template-columns:repeat(2,minmax(0,auto));gap:10px 28px;font-size:0.85rem}.footer-links a{text-decoration:none}
@media(max-width:800px){.answer-box{padding:16px 18px}.calc{padding:20px}.footer-links{grid-template-columns:1fr 1fr}.data-table{font-size:0.95rem}}
@media print{.crumbs,.related{display:none}}
.footer-top>.footer-brand{display:flex;flex-direction:column;gap:14px;font-size:0.95rem}.footer-top>.footer-brand p{margin:0}.footer-top>.footer-links{display:grid;grid-template-columns:repeat(2,minmax(0,auto));gap:10px 28px;font-size:0.85rem}
@media(max-width:800px){.footer-top>.footer-brand{flex-direction:column}.footer-top>.footer-links{grid-template-columns:1fr 1fr;gap:12px 18px}}
nav.crumbs{display:block;position:static;padding:22px 0 0;margin:0 auto;box-shadow:none;background:none;border:0}nav.crumbs>a{padding:0;font-size:0.85rem;white-space:normal;text-decoration:underline}
@media(max-width:800px){nav.crumbs{display:block;padding-top:16px}}
.calc-abd{border:0;padding:0;margin:0 0 20px}.calc-abd legend{font-weight:600;color:var(--ink);margin-bottom:8px;padding:0}.calc-radio{display:inline-flex!important;align-items:center;gap:8px;margin:0 22px 0 0!important;font-weight:400!important;cursor:pointer}.calc-radio input{width:20px;height:20px;accent-color:var(--green)}
.calc-gap{margin:14px 0 6px;background:#fff;border-left:4px solid var(--accent);border-radius:6px;padding:14px 16px}.calc-gap p{color:var(--ink);margin:0 0 8px}.calc-gap .small{color:var(--muted);margin:8px 0 0}
.calc-howto{background:var(--light);border:1px solid var(--line);border-radius:10px;padding:22px 26px;margin:0 0 24px}.calc-howto h2{font-size:1.4rem;margin:0 0 12px;letter-spacing:-.02em}.calc-howto ol{margin:0 0 10px;padding-left:22px;line-height:1.7;color:var(--ink)}.calc-howto li{margin-bottom:6px}.calc-howto .small{margin:0}
.step-num{display:inline-grid;place-items:center;min-width:26px;height:26px;padding:0 6px;border-radius:13px;background:var(--green);color:#fff;font-size:0.85rem;font-weight:700;margin-right:8px;letter-spacing:0;vertical-align:1px}.calc-result .eyebrow .step-num{font-size:0.85rem}
.calc-meaning h2{font-size:1.4rem;margin:26px 0 10px}

/* Accessibility: low vision + screen readers (Sept 30 2026) */
:root.big-text{font-size:20px}
article p,article li,.content-list{font-size:1.1rem}
select:focus-visible,.calc input:focus-visible,.calc select:focus-visible{outline:3px solid #783f96;outline-offset:3px}
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.topbar{align-items:center;gap:12px;flex-wrap:wrap}
.text-size-toggle{background:#fff;color:var(--ink);border:1px solid #fff;border-radius:6px;padding:6px 12px;font:inherit;font-weight:700;font-size:.95rem;cursor:pointer;min-height:36px}
.text-size-toggle[aria-pressed=true]{background:var(--mint)}
.text-size-toggle:focus-visible{outline:3px solid #f5d76e;outline-offset:2px}
.topbar-right{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
@media(max-width:800px){.topbar{padding:10px 20px}}
.article-layout>article,.article-layout>section{min-width:0}.table-scroll{max-width:100%;overflow-x:auto}.data-table{min-width:0}.data-table td,.data-table th{overflow-wrap:anywhere}
@media(max-width:800px){.topbar>span:first-child{display:none}.topbar .topbar-right{display:flex;width:100%;justify-content:space-between}.topbar .topbar-right>span{display:inline}}
.text-size-toggle{border:2px solid var(--green);color:var(--green)}