:root{--paper:#fff;--ink:#2b2a27;--ink2:#1f1f1d;--muted:#6f6f68;--soft:#706a5d;--line:#ececea;--line2:#dfdfdc;--blue:#2f5c9e;--navy:#2c3e5e;--blue-soft:#eef2fb;--red:#ab6059;--green:#287b55;--tint:#f7f8fb;--font:-apple-system,BlinkMacSystemFont,"Segoe UI",system-ui,"Helvetica Neue",Arial,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--font);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}.wrap{max-width:1160px;margin:0 auto;padding:0 20px}.skip{position:absolute;left:-9999px;top:0;background:#fff;color:var(--navy);padding:12px 18px;z-index:100;font-weight:700;border-radius:0 0 8px 0}.skip:focus{left:0}a{color:var(--blue);text-decoration:none}main p a,main li a,.prose a{text-decoration:underline;text-underline-offset:2px}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--blue);outline-offset:2px;border-radius:4px}.bar a:focus-visible,.bar button:focus-visible,.drawer a:focus-visible,.drawer button:focus-visible,.phead a:focus-visible{outline-color:#fff}.bar{background:var(--navy);position:relative;z-index:20}.bar-in{display:flex;align-items:center;min-height:74px;gap:12px}.brand{font-size:19px;font-weight:700;color:#fff;letter-spacing:-.01em;white-space:nowrap}.brand .dot{color:#cfe0ff}.nav{margin-left:auto;display:flex;gap:1px;align-items:center}.nav>a,.mega-btn{color:#e8eef7;font-size:13px;font-weight:700;padding:10px 8px;border-radius:8px;display:inline-flex;align-items:center;min-height:44px;line-height:20px;white-space:nowrap}.nav>a:hover,.mega-btn:hover{background:rgba(255,255,255,.1);color:#fff;text-decoration:none}.mega-btn{background:none;border:0;font-family:inherit;cursor:pointer}.nav .apply{background:#fff;color:var(--navy);margin-left:5px;padding-inline:11px}.nav .apply:hover{background:#e8eef7;color:var(--navy)}.mega{position:relative}.mega-btn::after{content:" \25be";font-size:9px;opacity:.75;margin-left:4px}.mega[data-open="true"]>.mega-btn{background:rgba(255,255,255,.14);color:#fff}.panel{position:absolute;top:calc(100% + 4px);right:0;background:#fff;border:1px solid var(--line2);border-radius:12px;padding:10px;box-shadow:0 18px 44px rgba(0,0,0,.18);display:none;width:min(540px,92vw);z-index:30}.mega[data-open="true"] .panel{display:grid;grid-template-columns:1fr 1fr;gap:2px}.panel a{display:block;padding:9px 11px;border-radius:8px;color:var(--ink2);min-height:44px}.panel a:hover{background:var(--blue-soft);text-decoration:none}.panel a b{display:block;font-size:14px}.panel a span{display:block;font-size:12px;color:var(--muted);line-height:1.4}.burger{display:none;margin-left:auto;background:none;border:0;cursor:pointer;padding:11px;min-width:44px;min-height:44px}.burger span{display:block;width:22px;height:2px;background:#fff;margin:4px 0;border-radius:2px}@media(max-width:1120px){.burger{display:block}.nav{display:none}}.drawer{position:fixed;inset:0;background:var(--navy);z-index:60;transform:translateX(100%);transition:transform .22s ease;overflow-y:auto;padding:20px 22px 70px;visibility:hidden;pointer-events:none}.drawer[data-open="true"]{transform:translateX(0);visibility:visible;pointer-events:auto}.drawer .x{position:absolute;top:14px;right:14px;background:none;border:0;color:#fff;font-size:30px;line-height:1;cursor:pointer;min-width:44px;min-height:44px}.drawer-heading{color:#bcd0ef;font-size:11px;letter-spacing:.12em;text-transform:uppercase;margin:24px 0 6px;font-weight:800}.drawer a{display:block;color:#fff;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.13);min-height:44px}.drawer a b{display:block;font-size:16px}.drawer a span{display:block;font-size:12.5px;color:rgba(255,255,255,.68)}.drawer .cta{display:block;text-align:center;background:var(--red);border-radius:10px;padding:14px;margin-top:20px;font-weight:700;border:0}.phead{background:var(--navy);color:#fff;padding:34px 0 40px}.crumb{font-size:13px;color:#c7d5ea;margin-bottom:14px}.crumb a{color:#d8e4f6;text-decoration:underline;text-underline-offset:2px}.eyebrow{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:#c7d5ea;font-weight:700}.phead h1{font-size:38px;line-height:1.14;font-weight:800;letter-spacing:-.022em;margin:12px 0 0;max-width:24ch}.cols{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:44px;padding-top:38px;padding-bottom:60px}.prose{max-width:72ch;min-width:0;overflow-wrap:anywhere}.prose h2{font-size:24px;font-weight:750;color:var(--navy);letter-spacing:-.015em;line-height:1.25;margin:38px 0 0}.prose h3{font-size:19px;font-weight:700;color:var(--navy);margin:26px 0 0;line-height:1.3}.prose p{margin:12px 0 0;color:#3f3f3a}.prose ul,.prose ol{margin:12px 0 0;padding-left:22px;color:#3f3f3a}.prose li{margin:5px 0}.prose strong{color:var(--ink2)}.answer{background:var(--blue-soft);border-radius:12px;padding:18px 20px;margin:0 0 8px}.answer p{margin:0;color:#33333a;font-size:17.5px}.prose blockquote{margin:18px 0 0;padding:2px 0 2px 16px;border-left:3px solid var(--line2);color:#55554e}.table-scroll{width:100%;overflow-x:auto;margin-top:18px}.prose table{width:100%;min-width:660px;border-collapse:collapse;font-size:15px}.prose th,.prose td{border:1px solid var(--line2);padding:10px 11px;text-align:left;vertical-align:top}.prose th{background:var(--blue-soft);color:var(--navy);font-size:13px}.prose th[scope="row"]{min-width:10rem;overflow-wrap:normal;word-break:normal}.callout,.scenario-cta{border:1px solid var(--line2);background:var(--tint);border-radius:12px;padding:18px 20px;margin:24px 0 0}.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0 0}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 22px;border-radius:10px;font-weight:700;font-size:15px;text-decoration:none!important;border:0;cursor:pointer;font-family:inherit}.btn-red{background:var(--red);color:#fff}.btn-red:hover{background:#97544e;color:#fff}.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:#3a5680;color:#fff}.btn-out{background:#fff;color:var(--ink2);border:1px solid var(--line2)}.faq{margin-top:40px}.faq h2{margin-top:0}.faq h3{padding-top:20px;border-top:1px solid var(--line);margin-top:20px}.faq-answer{margin-top:8px}.faq-answer p:first-child{margin-top:0}.rail{display:flex;flex-direction:column;gap:20px}.rcard{background:#fff;border:1px solid var(--line2);border-radius:12px;padding:18px}.rcard h4{margin:0 0 10px;font-size:12px;letter-spacing:.09em;text-transform:uppercase;color:var(--muted);font-weight:800}.rcard ul{margin:0;padding:0;list-style:none}.rcard li{margin:0;border-top:1px solid var(--line)}.rcard li:first-child{border-top:0}.rcard li a{display:block;padding:10px 0;font-size:14px;font-weight:650;color:var(--ink2);min-height:44px}.rcard a[aria-current="page"]{color:var(--blue);font-weight:800}.nick{display:flex;gap:12px;align-items:center}.nick img{width:56px;height:56px;border-radius:50%;object-fit:cover;object-position:50% 18%}.nick div{font-size:13.5px;color:var(--muted);line-height:1.4}.nick b{display:block;color:var(--ink2);font-size:15px}.gov{margin:44px 0 0;padding:18px 20px;background:#faf9f7;border:1px solid var(--line2);border-radius:12px;font-size:13.5px;color:#55554e}.gov .row{display:flex;flex-wrap:wrap;gap:6px 24px}.gov .dis{margin:12px 0 0;padding-top:12px;border-top:1px solid var(--line2);color:#55554e}.connect-wrap{margin:50px 0}.w{background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}.w .wt{font-size:11.5px;letter-spacing:.07em;text-transform:uppercase;color:var(--soft);font-weight:700;padding:13px 14px;border-bottom:1px solid var(--line)}#connect{background:var(--navy);border-color:var(--navy)}#connect .wt{color:#fff;border-bottom-color:rgba(255,255,255,.2)}#connect .wpad{padding:16px 14px}#connect input:not([type="checkbox"]),#connect textarea{width:100%;border:0;border-radius:8px;padding:12px;font-size:14px;font-family:var(--font);color:var(--ink2)}#connect .consent input{width:auto}#connect .nopii,#connect .consent{color:rgba(255,255,255,.9)}#connect textarea{min-height:74px;resize:vertical}.fine{font-size:11px;color:rgba(255,255,255,.82);margin-top:12px;line-height:1.6}.field-help{display:block;font-size:12px;font-weight:400;color:var(--muted);margin-top:3px;line-height:1.45}.scenario-form{border:1px solid var(--line2);border-radius:14px;padding:24px;background:#fff;margin-top:20px}.scenario-form fieldset{border:0;padding:0;margin:0 0 24px}.scenario-form legend{width:100%;font-size:12px;letter-spacing:.08em;text-transform:uppercase;font-weight:800;color:var(--soft);padding:0 0 8px;margin-bottom:14px;border-bottom:1px solid var(--line)}.scenario-form .two{display:grid;grid-template-columns:1fr 1fr;gap:12px}.scenario-form label.f{display:block;margin:0 0 14px;font-size:14px;font-weight:650;color:var(--ink2)}.scenario-form label.f>span:first-child{display:block;margin-bottom:5px}.scenario-form input,.scenario-form select,.scenario-form textarea{width:100%;border:1px solid var(--line2);border-radius:9px;padding:12px;font:inherit;font-size:16px;color:var(--ink2);background:#fff}.scenario-form textarea{min-height:120px;resize:vertical}.privacy-note{background:var(--blue-soft);border-radius:9px;padding:12px 14px;margin:4px 0 18px;font-size:12.5px;line-height:1.5;color:#465067}.required-note{font-size:12px;color:var(--muted)}.error-summary{display:none;background:#fff4f2;border:2px solid #a8433b;border-radius:9px;padding:12px 14px;margin:0 0 18px;color:#712b26}.error-summary[data-visible="true"]{display:block}.error-summary a{color:#712b26;font-weight:700}.field-error{color:#8a3029;font-size:12px;margin:4px 0 0}.form-success{display:none;background:#eef7f2;border:1px solid #5b9678;border-radius:12px;padding:22px}.form-success[data-visible="true"]{display:block}.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}.worksheet{border:1px solid var(--line2);border-radius:14px;padding:20px;margin-top:18px;background:#fff}.worksheet-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}.worksheet-option{border:1px solid var(--line2);border-radius:10px;padding:14px;min-width:0}.worksheet-option legend{font-weight:800;color:var(--navy);padding:0 5px}.worksheet-option label{display:block;font-size:12.5px;font-weight:650;color:var(--ink2);margin:12px 0 0}.worksheet-option input,.worksheet-option textarea{width:100%;border:1px solid var(--line2);border-radius:7px;padding:9px;margin-top:4px;font:inherit;font-size:14px}.worksheet-option textarea{min-height:70px;resize:vertical}.worksheet-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}.worksheet-status{font-size:13px;color:var(--muted);margin-top:10px}.kc-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:18px 0}.kc-card{border:1px solid var(--line2);border-radius:12px;padding:18px;background:#fff}.kc-card h3{margin:0 0 5px}.kc-card p{font-size:14.5px}.empty-state{background:var(--tint);border:1px solid var(--line2);border-radius:12px;padding:18px;margin-top:14px}footer{background:#faf9f7;border-top:1px solid var(--line);margin-top:10px;padding:44px 0 40px}.fgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}.fgrid h5{margin:0 0 8px;font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:800}.fgrid a{display:block;padding:7px 0;font-size:14px;color:var(--ink2);min-height:42px}.legal{margin-top:34px;padding-top:22px;border-top:1px solid var(--line2);font-size:12.5px;color:var(--muted);line-height:1.7}.legal a{color:var(--muted);text-decoration:underline;display:inline-block;min-height:44px;line-height:44px;margin-right:16px}.motto{display:flex;align-items:center;gap:14px;justify-content:center;margin:34px 0 0}.motto span{font-size:10.5px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}.motto i{flex:1;height:1px;background:var(--line2)}@media(max-width:940px){.cols{grid-template-columns:1fr;gap:32px}.rail{display:grid;grid-template-columns:1fr 1fr}.worksheet-grid{grid-template-columns:1fr}.worksheet-option{display:grid;grid-template-columns:1fr 1fr;gap:0 12px}.worksheet-option legend{grid-column:1/-1}.prose{max-width:none}}@media(max-width:700px){.phead h1{font-size:28px;max-width:none}.prose{font-size:16px}.prose h2{font-size:21px}.prose h3{font-size:17.5px}.answer p{font-size:16.5px}.scenario-form{padding:18px 16px}.scenario-form .two,.rail,.fgrid,.kc-grid{grid-template-columns:1fr}.worksheet-option{display:block}.btn{width:100%}.wrap{padding:0 16px}}@media print{.bar,.drawer,.rail,footer,.phead,.worksheet-actions,.connect-wrap,.cta-row{display:none!important}.cols{display:block;padding:0}.prose>*:not(#comparison-worksheet):not(.worksheet-print-heading){display:none!important}#comparison-worksheet{border:0;padding:0}.worksheet-grid{grid-template-columns:repeat(3,1fr)}.worksheet-option{display:block}.worksheet input,.worksheet textarea{border:0;padding:0}.worksheet-status{display:none}}