:root{--navy:#0b2335;--ink:#143348;--muted:#526876;--teal:#096e66;--teal-light:#e7f2ef;--line:#d5e2e6;--pale:#f3f7f8;--white:#fff;--max:1240px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:2rem}body{margin:0;font-family:Inter,"Segoe UI",Arial,sans-serif;color:var(--ink);font-size:1rem;line-height:1.65;background:#fff}a{color:var(--teal);text-underline-offset:.22em}a:hover{text-decoration-thickness:2px}button,input,select,textarea{font:inherit}button,a,input,select,textarea,summary{touch-action:manipulation}button{cursor:pointer}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid #bc7400;outline-offset:4px}h1,h2,h3,p{margin-top:0}h1,h2,h3{color:var(--navy);line-height:1.13;letter-spacing:-.035em}h1{font-size:clamp(2.4rem,4.6vw,4.4rem);font-weight:600;margin-bottom:1.6rem}h2{font-size:clamp(2rem,3vw,3rem);font-weight:600;margin-bottom:1.5rem}h3{font-size:1.35rem;font-weight:600;letter-spacing:-.025em}p{margin-bottom:1.2rem}img{max-width:100%}.container{width:min(calc(100% - 4rem),var(--max));margin:auto}.skip{position:absolute;left:1rem;top:-6rem;z-index:100;background:white;padding:1rem}.skip:focus{top:1rem}.status-banner{background:var(--navy);color:#dceaeF;font-size:.875rem}.status-inner{display:flex;align-items:flex-start;gap:1.4rem;padding:.9rem 0}.status-label{white-space:nowrap;font-size:.75rem;letter-spacing:.08em;text-transform:uppercase;color:#a6ded3;border:1px solid #456371;padding:.17rem .6rem;line-height:1.7;margin-top:.1rem}.status-inner p{margin:0;max-width:980px}.status-banner a{color:#caede5;white-space:nowrap}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:2rem;min-height:102px}.brand{font-size:1.95rem;letter-spacing:-.065em;font-weight:750;text-decoration:none;color:var(--navy);display:inline-flex;align-items:center;gap:.52rem;line-height:1.2}.brand b{font-weight:750;color:var(--teal)}.brand-mark{width:27px;height:27px;background:var(--teal);border-radius:7px;display:grid;place-items:center;color:white;font-size:1.13rem;letter-spacing:-.05em}.main-nav{display:flex;align-items:center;gap:1.35rem}.main-nav a{font-size:.875rem;color:var(--ink);text-decoration:none}.main-nav a[aria-current=page]{color:var(--teal);text-decoration:underline;text-decoration-thickness:2px}.main-nav .nav-cta{color:var(--white);background:var(--navy);padding:.7rem 1rem;border-radius:4px}.menu-toggle{display:none;border:1px solid var(--line);border-radius:4px;background:#fff;padding:.55rem .9rem}.hero{padding:4.5rem 0 5.5rem;border-top:1px solid var(--line);background:linear-gradient(115deg,#fff 42%,#f2f8f6 100%)}.hero-grid{display:grid;grid-template-columns:1.17fr 1fr;gap:4.5rem;align-items:center}.eyebrow{font-size:.78rem;text-transform:uppercase;letter-spacing:.14em;font-weight:650;color:var(--teal);margin:0 0 1.4rem}.hero .lead{font-size:1.125rem;line-height:1.7;color:var(--muted);max-width:670px}.actions{display:flex;flex-wrap:wrap;gap:.9rem;align-items:center;margin-top:2rem}.button{border:1px solid var(--teal);border-radius:4px;padding:.9rem 1.15rem;display:inline-flex;justify-content:center;align-items:center;gap:1rem;background:var(--teal);color:#fff;text-decoration:none;font-size:.9375rem;font-weight:600;line-height:1.4}.button:hover{background:#085b54;text-decoration:none}.button.secondary{background:transparent;color:var(--navy);border-color:#9eb5bf}.button.secondary:hover{background:var(--pale)}.button:disabled{opacity:.65;cursor:wait}.hero-note{margin:1.1rem 0 0;font-size:.875rem;color:var(--muted)}.model{border:1px solid #bdced4;background:#fff;padding:1.55rem;border-radius:10px;box-shadow:0 22px 55px -30px #07383c44;position:relative}.model-top{display:flex;justify-content:space-between;gap:1rem;font-size:.75rem;letter-spacing:.09em;text-transform:uppercase;margin-bottom:1.4rem;color:var(--muted)}.model-top span:last-child{color:var(--teal)}.model-layer{border-radius:6px;padding:1.35rem 1.5rem;background:var(--navy);color:#d2e1e7}.model-layer h3{color:white;font-size:1.4rem;letter-spacing:-.035em;margin:0 0 .7rem}.model-layer .layer-label{color:#8fcabd;text-transform:uppercase;font-size:.75rem;letter-spacing:.1em;margin:0 0 .5rem}.model-items{display:grid;grid-template-columns:1fr 1fr;gap:.35rem 1rem;font-size:.875rem}.model-connector{text-align:center;color:var(--muted);font-size:.78rem;padding:.6rem;display:flex;align-items:center;justify-content:center;gap:.8rem}.model-layer.sponsor{background:var(--teal-light);color:var(--ink);border:1px solid #b9d8cf}.model-layer.sponsor h3{color:var(--navy)}.model-layer.sponsor .layer-label{color:var(--teal)}.model-bank{border:1px solid var(--line);border-radius:5px;padding:.85rem;text-align:center;font-size:.875rem;font-weight:600}.model-foot{font-size:.75rem;line-height:1.5;text-align:center;color:var(--muted);margin:.9rem 0 0}.trust-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);padding:1.9rem 0;gap:1.5rem}.trust-item{padding-right:1.5rem;border-right:1px solid var(--line)}.trust-item:last-child{border:0;padding:0}.trust-item b{display:block;color:var(--navy);font-size:.9rem}.trust-item span{display:block;color:var(--muted);font-size:.8rem;line-height:1.5;margin-top:.3rem}.section{padding:5.5rem 0}.section.pale{background:var(--pale)}.section.dark{background:var(--navy);color:#c5d7e0}.section.dark h2,.section.dark h3{color:#fff}.section.dark .eyebrow{color:#9ad3c6}.section-head{max-width:740px;margin-bottom:2.6rem}.section-head p{color:var(--muted);font-size:1.06rem}.split{display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:start}.split p{color:var(--muted)}.section.dark p{color:#c5d7e0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}.grid.two{grid-template-columns:repeat(2,1fr)}.card{border:1px solid var(--line);padding:2rem;background:#fff;border-radius:6px}.card-number{color:var(--teal);font-size:.8rem;display:block;letter-spacing:.08em;margin-bottom:2.5rem}.card p{color:var(--muted)}.card-link{font-size:.9rem;font-weight:600;display:inline-block;margin-top:.7rem}.card ul{padding-left:1.15rem;color:var(--muted)}.plain-list{list-style:none;padding:0;margin:0}.plain-list li{padding:1rem 0;border-bottom:1px solid var(--line);display:flex;gap:1rem}.plain-list li:before{content:'✓';font-weight:700;color:var(--teal)}.steps{counter-reset:steps;margin:0;padding:0;list-style:none;display:grid;grid-template-columns:repeat(5,1fr);gap:1.4rem}.steps li{counter-increment:steps;border-top:2px solid #97b8b2;padding-top:1.15rem}.steps li:before{content:'0' counter(steps);display:block;color:var(--teal);font-size:.82rem;margin-bottom:1.5rem}.steps h3{font-size:1.15rem;letter-spacing:-.02em}.steps p{font-size:.9375rem;color:var(--muted)}.cta-band{background:var(--teal-light);padding:3.5rem;border:1px solid #c4dcd4;border-radius:7px;display:flex;align-items:center;justify-content:space-between;gap:3rem}.cta-band h2{max-width:740px;font-size:2.25rem;margin-bottom:.8rem}.cta-band p{max-width:740px;color:var(--muted);margin-bottom:0}.cta-band .button{flex-shrink:0}.page-hero{padding:3.5rem 0 4rem;border-top:1px solid var(--line);background:var(--pale)}.page-hero h1{max-width:950px;font-size:clamp(2.5rem,4vw,3.8rem)}.page-hero .lead{max-width:820px;color:var(--muted);font-size:1.15rem}.breadcrumb{color:var(--muted);font-size:.875rem;margin-bottom:2rem}.breadcrumb a{color:var(--muted)}.callout{background:var(--teal-light);padding:1.4rem 1.6rem;border-left:3px solid var(--teal);margin:2rem 0;color:var(--ink)}.callout p:last-child{margin:0}.faq{max-width:950px}.faq details{border-bottom:1px solid var(--line);padding:1.3rem 0}.faq summary{cursor:pointer;font-weight:600;font-size:1.0625rem;color:var(--navy);padding-right:1rem}.faq details p{color:var(--muted);margin:1rem 0 0;max-width:820px}.flow{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem}.flow-item{background:#fff;border:1px solid var(--line);padding:1.6rem;border-radius:5px;position:relative}.flow-item:not(:last-child):after{content:'→';position:absolute;right:-1.2rem;top:40%;color:var(--teal);font-size:1.4rem}.flow-item small{display:block;color:var(--teal);font-size:.75rem;margin-bottom:.8rem}.flow-item b{display:block;line-height:1.35}.flow-item p{font-size:.875rem;color:var(--muted);margin:.7rem 0 0}.table-wrap{overflow:auto}table{border-collapse:collapse;width:100%;font-size:.95rem}th,td{text-align:left;vertical-align:top;padding:1rem;border-bottom:1px solid var(--line)}th{background:var(--pale);color:var(--navy);font-weight:600}tbody th{background:white;width:26%}.legal-layout{display:grid;grid-template-columns:220px minmax(0,1fr);gap:4rem}.legal-nav{display:flex;flex-direction:column;gap:.8rem;font-size:.9rem}.legal-nav a{color:var(--muted)}.legal-nav a[aria-current=page]{color:var(--teal);font-weight:600}.prose{max-width:820px}.prose h2{font-size:1.6rem;letter-spacing:-.025em;margin:2.7rem 0 1rem}.prose h2:first-child{margin-top:0}.prose h3{font-size:1.2rem;margin-top:1.8rem}.prose p,.prose li{color:var(--muted)}.prose ul{padding-left:1.3rem}.prose li{padding:.25rem 0}.key-values{margin:0}.key-values div{padding:1.2rem 0;border-bottom:1px solid var(--line);display:grid;grid-template-columns:190px 1fr;gap:2rem}.key-values dt{font-size:.9rem;color:var(--muted)}.key-values dd{margin:0;color:var(--navy)}.contact-layout{display:grid;grid-template-columns:1fr 2fr;gap:4rem}.contact-panel{border:1px solid var(--line);padding:2rem;border-radius:6px;background:#fff}.contact-panel h2{font-size:1.6rem}.contact-picker{display:flex;gap:.6rem;flex-wrap:wrap;margin-bottom:2rem}.contact-picker a{border:1px solid var(--line);border-radius:4px;padding:.55rem .85rem;text-decoration:none;font-size:.875rem;color:var(--navy)}.contact-picker a[aria-current=page]{background:var(--navy);color:white;border-color:var(--navy)}.fields{display:grid;grid-template-columns:1fr 1fr;gap:1.3rem}.field{display:flex;flex-direction:column;gap:.4rem}.field.full{grid-column:1/-1}.field label{font-size:.9rem;font-weight:600;color:var(--ink)}.field input,.field textarea,.field select{width:100%;min-height:48px;padding:.65rem .8rem;border:1px solid #99afb9;border-radius:4px;background:#fff;color:var(--navy)}.field textarea{min-height:120px;resize:vertical}.field small{color:var(--muted);font-size:.8rem}.check{display:flex;gap:.7rem;align-items:flex-start;margin:1.2rem 0;font-size:.875rem;color:var(--muted)}.check input{margin-top:.3rem;flex-shrink:0;width:18px;height:18px;accent-color:var(--teal)}.form-note{font-size:.875rem;color:var(--muted)}.form-result{padding:1rem;margin:1.5rem 0 0;background:var(--pale);border-left:3px solid var(--teal)}.form-result:empty{display:none}.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.footer{background:var(--navy);color:#b7cbd7;padding:4rem 0 2rem}.footer .brand{color:#fff}.footer .brand b{color:#9dd6c9}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:3rem}.footer h3{color:#fff;font-size:.875rem;letter-spacing:0;margin-bottom:1.1rem}.footer p{font-size:.875rem;margin:1.4rem 0;color:#b7cbd7;max-width:330px}.footer a{color:#c5d7e0;text-decoration:none;font-size:.875rem}.footer .brand{font-size:1.8rem}.footer nav a{display:block;padding:.24rem 0}.footer a:hover{text-decoration:underline}.footer-disclosure{border-top:1px solid #345064;margin-top:3rem;padding-top:1.6rem;font-size:.8rem;line-height:1.7;color:#b7cbd7}.footer-disclosure p{font-size:.8rem;margin:.6rem 0;max-width:none}.footer-bottom{display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;margin-top:1.6rem;font-size:.8rem}.link-button{background:none;border:0;padding:0;color:inherit;text-decoration:underline;text-underline-offset:.2em;font-size:inherit;cursor:pointer}.cookie-dialog{border:1px solid var(--line);border-radius:8px;padding:2rem;width:min(92vw,540px);color:var(--ink)}.cookie-dialog::backdrop{background:#051a2cb8}.cookie-dialog h2{font-size:1.7rem}.cookie-dialog p{color:var(--muted)}.cookie-dialog .actions{margin-top:1.3rem}.cookie-dialog .button{font-size:.875rem}.cookie-status{font-size:.875rem;color:var(--muted)}[hidden]{display:none!important}@media(min-width:1400px){.hero{padding:5.6rem 0 6.4rem}}@media(max-width:1150px){.header-inner{gap:1rem}.main-nav{gap:.85rem}.main-nav a{font-size:.875rem}.hero-grid{gap:2rem}.hero h1{font-size:3.5rem}.footer-grid{gap:2rem}.steps{gap:1rem}}@media(max-width:960px){.container{width:min(calc(100% - 2.5rem),var(--max))}.header-inner{min-height:84px;position:relative;flex-wrap:wrap;padding:1.2rem 0}.menu-toggle{display:block}.main-nav{width:100%;display:flex;flex-wrap:wrap;padding:.5rem 0;gap:1rem}.js .main-nav{display:none}.js .main-nav.is-open{display:flex}.main-nav a{font-size:.9375rem;padding:.4rem}.hero-grid{grid-template-columns:1fr 1fr;gap:1.7rem}.hero h1{font-size:3rem}.model{padding:1rem}.model-layer{padding:1.2rem}.model-items{grid-template-columns:1fr}.model-top{font-size:.68rem}.split{gap:2.5rem}.grid{gap:1rem}.card{padding:1.4rem}.steps{grid-template-columns:repeat(3,1fr);row-gap:2rem}.cta-band{padding:2.5rem;display:block}.cta-band .button{margin-top:1.5rem}.contact-layout{grid-template-columns:1fr 1.8fr;gap:2rem}.legal-layout{grid-template-columns:180px minmax(0,1fr);gap:2rem}.footer-grid{grid-template-columns:1.5fr 1fr 1fr}.footer-grid>div:last-child{grid-column:2/4}.trust-grid{grid-template-columns:repeat(2,1fr);row-gap:1.5rem}.trust-item:nth-child(2){border:0}}@media(max-width:720px){.status-inner{display:block;padding:.8rem 0}.status-label{display:inline-block;margin-bottom:.5rem}.status-inner p{font-size:.8125rem}.hero{padding:3rem 0}.hero-grid,.split,.grid,.grid.two,.contact-layout,.legal-layout{grid-template-columns:1fr}.hero h1{font-size:clamp(2.45rem,8.5vw,3.7rem)}.hero-grid{gap:2.5rem}.hero .lead{font-size:1.0625rem}.model{max-width:540px}.model-items{grid-template-columns:1fr 1fr}.section{padding:3.5rem 0}.section-head{margin-bottom:2rem}.trust-grid{gap:1rem}.trust-item{padding-right:.8rem}.trust-item b{font-size:.85rem}.steps{grid-template-columns:1fr 1fr}.flow{grid-template-columns:1fr 1fr;gap:1rem}.flow-item:after{display:none}.cta-band{padding:2rem}.cta-band h2{font-size:2rem}.page-hero{padding:2rem 0 2.5rem}.page-hero .lead{font-size:1.0625rem}.page-hero h1{font-size:2.55rem}.legal-nav{flex-direction:row;flex-wrap:wrap;gap:.7rem 1rem;padding-bottom:1rem;border-bottom:1px solid var(--line)}.key-values div{grid-template-columns:1fr;gap:.25rem}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}.footer-grid>div:last-child{grid-column:auto}.contact-panel{padding:1.5rem}.fields{grid-template-columns:1fr}.field.full{grid-column:auto}.footer{padding:3rem 0 1.5rem}.table-wrap{max-width:calc(100vw - 2.5rem)}}@media(max-width:420px){.container{width:calc(100% - 2rem)}.hero h1{font-size:2.55rem}.actions{align-items:stretch;flex-direction:column}.actions .button{width:100%}.steps,.flow{grid-template-columns:1fr}.model-items{font-size:.8125rem}.model-layer{padding:1rem}.model-top{flex-wrap:wrap;gap:.3rem}.trust-grid{grid-template-columns:1fr}.trust-item{border-right:0;border-bottom:1px solid var(--line);padding-bottom:.8rem}.trust-item:nth-child(2){border-bottom:1px solid var(--line)}.footer-grid{gap:1.6rem}.contact-picker a{flex:1 1 40%;text-align:center}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}}@media print{.status-banner{background:#fff;color:#000;border-bottom:1px solid #999}.header-inner{min-height:auto;padding:1rem 0}.main-nav,.menu-toggle,.cookie-dialog,.footer,.actions,.contact-panel{display:none!important}.section,.hero,.page-hero{padding:1.5rem 0}.hero-grid,.split,.legal-layout{display:block}.model{box-shadow:none;max-width:600px}.container{width:100%}body{font-size:11pt}.section.dark{background:white;color:black}.section.dark h2,.section.dark h3,.section.dark p{color:black}.card,.model-layer,.flow-item{break-inside:avoid}a{color:#000}.hero h1,.page-hero h1{font-size:28pt}}