:root{--navy:#0b2231;--navy-mid:#123548;--navy-soft:#1b4356;--ink:#142630;--text:#334954;--muted:#5c6f78;--teal:#087773;--teal-dark:#055d5a;--teal-soft:#dcefed;--amber:#dda332;--amber-soft:#fff0ce;--coral:#b94b38;--coral-dark:#873329;--coral-soft:#f9e5df;--cloud:#edf2f4;--cloud-deep:#e2e9ec;--paper:#fbfcfc;--warm-paper:#f7f3e9;--white:#fff;--line:#ccd7dc;--line-strong:#aebfc7;--error:#9b352e;--error-bg:#fce9e5;--focus:#f2b63f;--shell:1200px;--reading:780px;--radius-sm:8px;--radius:12px;--radius-lg:14px;--shadow-sm:0 10px 28px #0b223114;--shadow-md:0 24px 64px #0b223129}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:104px}body{min-width:320px;color:var(--text);background:var(--paper);text-rendering:optimizelegibility;-webkit-font-smoothing:antialiased;margin:0;font-family:Avenir Next,Avenir,Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe 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h2{max-width:760px;margin-bottom:0}.section-lede{color:var(--muted);margin-bottom:5px;font-size:1.02rem;line-height:1.72}.section-heading-narrow{max-width:800px;margin-bottom:48px}.section-heading-narrow>p:last-child{max-width:710px;color:var(--muted);margin-bottom:0;font-size:1.02rem}.centered-link{text-align:center;margin-top:38px}.option-grid{grid-template-columns:repeat(3,1fr);gap:18px;display:grid}.option-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);min-height:100%;padding:30px;position:relative;box-shadow:0 1px #0b22310a}.option-card:before{background:var(--line-strong);border-radius:var(--radius) var(--radius) 0 0;content:"";height:5px;position:absolute;top:0;left:0;right:0}.option-card-featured{box-shadow:var(--shadow-sm);background:#f7fbfa;border-color:#7fbab6}.option-card-featured:before{background:var(--teal)}.option-number{color:var(--teal-dark);letter-spacing:.12em;margin-bottom:42px;font-size:1rem;font-weight:820;display:block}.option-card h3{color:var(--navy)}.option-card>p{color:var(--muted)}.option-card ul{border-top:1px solid var(--line);gap:10px;margin:24px 0 0;padding:20px 0 0;list-style:none;display:grid}.option-card li{padding-left:22px;font-size:1rem;line-height:1.48;position:relative}.option-card li:before{background:var(--teal);content:"";border-radius:2px;width:7px;height:7px;position:absolute;top:.58em;left:0}.situation-grid{grid-template-columns:repeat(3,1fr);gap:16px;display:grid}.situation-card{--tone:var(--teal);background:var(--white);border:1px solid var(--line);border-top:6px solid var(--tone);border-radius:var(--radius);flex-direction:column;min-height:270px;padding:28px;transition:border-color .16s,box-shadow .16s,transform .16s;display:flex;position:relative;overflow:hidden;box-shadow:0 1px #0b22310a}.situation-card:hover{border-color:var(--tone);box-shadow:var(--shadow-sm);transform:translateY(-3px)}.situation-teal{--tone:var(--teal)}.situation-blue{--tone:#347ca2}.situation-amber{--tone:var(--amber)}.situation-slate{--tone:#657987}.situation-coral{--tone:var(--coral)}.situation-navy{--tone:var(--navy-soft)}.situation-arrow{width:43px;height:43px;color:var(--navy);background:var(--cloud);border-radius:var(--radius-sm);align-self:flex-end;place-items:center;margin-bottom:26px;font-weight:800;display:grid}.situation-card h3{color:var(--navy)}.situation-card p{color:var(--muted);font-size:1rem;line-height:1.57}.situation-card>strong{color:var(--teal-dark);letter-spacing:.03em;margin-top:auto;font-size:1rem}.process-section{color:#d8e4e8;background:var(--navy);background-image:linear-gradient(135deg,#08777329,#0000 42%)}.process-layout{grid-template-columns:minmax(0,.78fr) minmax(0,1.22fr);align-items:start;gap:clamp(52px,9vw,118px);display:grid}.process-intro{position:sticky;top:118px}.process-intro h2{color:var(--white)}.process-intro>p:not(.eyebrow){color:#bed0d7}.process-list{counter-reset:process;margin:0;padding:0;list-style:none}.process-list>li{border-top:1px solid #ffffff29;grid-template-columns:58px 1fr;align-items:start;gap:24px;min-height:154px;padding:28px 0;display:grid}.process-list>li:last-child{border-bottom:1px solid #ffffff29}.process-list>li>span{width:48px;height:48px;color:var(--navy);background:var(--amber);border-radius:var(--radius-sm);place-items:center;font-size:1rem;font-weight:840;display:grid}.process-list h3{color:var(--white);margin-bottom:8px}.process-list p{color:#b8cbd3;margin:0}.faq-layout{grid-template-columns:minmax(0,.76fr) minmax(0,1.24fr);align-items:start;gap:clamp(48px,9vw,110px);display:grid}.faq-intro{position:sticky;top:116px}.faq-intro>p:last-child{color:var(--muted)}.faq-list details{background:var(--white);border-top:1px solid var(--line-strong)}.faq-list details:last-child{border-bottom:1px solid var(--line-strong)}.faq-list summary{min-height:68px;color:var(--navy);grid-template-columns:1fr auto;align-items:center;gap:20px;padding:17px 4px;font-weight:740;line-height:1.42;list-style:none;display:grid}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary span{width:38px;height:38px;color:var(--teal-dark);background:var(--teal-soft);border-radius:var(--radius-sm);place-items:center;font-size:1.2rem;transition:transform .16s;display:grid}.faq-list details[open] summary span{transform:rotate(45deg)}.faq-list details>p{max-width:760px;color:var(--muted);margin:0;padding:0 58px 24px 4px}.section-cta-wrap{padding-block:34px 92px}.inline-cta{color:#dce8ec;background:var(--navy-mid);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:42px;padding:40px 44px;display:grid;position:relative;overflow:hidden}.inline-cta:after{background:linear-gradient(var(--teal) 0 60%, var(--amber) 60% 80%, var(--coral) 80%);content:"";width:9px;height:100%;position:absolute;top:0;right:0}.inline-cta h2{max-width:760px;color:var(--white);margin-bottom:11px;font-size:clamp(1.8rem,3vw,2.75rem)}.inline-cta p:not(.eyebrow){color:#bfd0d7;max-width:700px;margin-bottom:0}.inline-cta-action{text-align:center;gap:10px;min-width:230px;display:grid}.inline-cta-action small{color:#b9cbd2;font-size:1rem}.mobile-offer-bar{display:none}.inner-hero{padding-block:clamp(76px,9vw,118px)}.inner-hero-cream{background:var(--warm-paper);border-block:1px solid #e2dac8}.inner-hero-green{color:#d8e4e8;background:var(--navy)}.inner-hero-green h1,.inner-hero-green h2,.inner-hero-green h3{color:var(--white)}.inner-hero-grid{grid-template-columns:minmax(0,1.2fr) minmax(300px,.58fr);align-items:center;gap:clamp(50px,9vw,112px);display:grid}.inner-hero-grid>div>p:last-child{max-width:760px;margin-bottom:0;font-size:1.06rem}.inner-hero-green .inner-hero-grid>div>p:last-child{color:#bfd0d7}.not-found-actions{flex-wrap:wrap;align-items:center;gap:18px 24px;margin-top:30px;display:flex}.not-found-actions .text-link{align-items:center;min-height:48px;display:inline-flex}.hero-side-note,.formula-card{color:#d8e4e8;border-radius:var(--radius);background:#ffffff14;border:1px solid #fff3;padding:29px}.hero-side-note strong{color:var(--amber);letter-spacing:.1em;text-transform:uppercase;margin-bottom:12px;font-size:1rem;display:block}.hero-side-note p{margin:0}.hero-side-note-light,.formula-card{color:var(--text);background:var(--white);border-color:var(--line);box-shadow:var(--shadow-sm)}.formula-card{border-top:6px solid var(--amber);gap:7px;display:grid}.formula-card small{color:var(--muted);letter-spacing:.11em;text-transform:uppercase;margin-bottom:10px;font-size:1rem;font-weight:800}.formula-card strong,.formula-card b,.formula-card span{font-size:1.12rem}.formula-card strong{color:var(--navy)}.formula-card b{color:var(--coral-dark)}.formula-card span{color:var(--teal-dark);border-top:1px solid var(--line);margin-top:8px;padding-top:12px;font-weight:800}.two-column-copy{grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(48px,9vw,116px);display:grid}.prose-large,.document-list{font-size:1.02rem}.prose-large p,.document-list p{color:var(--text)}.document-list p{border-top:1px solid var(--line);margin-bottom:0;padding:18px 0}.document-list p:last-child{border-bottom:1px solid var(--line)}.document-list strong{color:var(--navy)}.next-page-link{text-align:right;padding-bottom:92px}.next-page-link a{min-height:50px;color:var(--teal-dark);border-bottom:2px solid;align-items:center;gap:10px;font-weight:760;display:inline-flex}.long-process{grid-template-columns:minmax(260px,.62fr) minmax(0,1.38fr);align-items:start;gap:clamp(48px,9vw,108px);display:grid}.long-process-intro{position:sticky;top:116px}.long-process-intro>p:last-child{color:var(--muted)}.long-process-list{margin:0;padding:0;list-style:none}.long-process-list>li{border-top:1px solid var(--line-strong);grid-template-columns:58px 1fr;gap:24px;padding:30px 0;display:grid}.long-process-list>li:last-child{border-bottom:1px solid var(--line-strong)}.long-process-list>li>span{width:48px;height:48px;color:var(--white);background:var(--teal);border-radius:var(--radius-sm);place-items:center;font-size:1rem;font-weight:820;display:grid}.long-process-list h2{margin-bottom:12px;font-size:clamp(1.55rem,2.4vw,2.15rem)}.long-process-list p{color:var(--muted)}.long-process-list ul{gap:8px;margin:18px 0 0;padding:0;list-style:none;display:grid}.long-process-list li li{padding-left:22px;position:relative}.long-process-list li li:before{background:var(--amber);content:"";border-radius:2px;width:7px;height:7px;position:absolute;top:.62em;left:0}.term-grid{grid-template-columns:repeat(5,1fr);gap:12px;display:grid}.term-grid article{background:var(--white);border-radius:var(--radius);border:1px solid #ddd5c3;padding:24px 21px}.term-grid article>span{color:var(--coral-dark);letter-spacing:.1em;margin-bottom:34px;font-size:1rem;font-weight:820;display:block}.term-grid h3{font-size:1.16rem}.term-grid p{color:var(--muted);margin:0;font-size:1rem;line-height:1.55}.comparison-scroll{border:1px solid 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