/*! tailwindcss v4.2.1 | MIT License | https://tailwindcss.com */
@layer theme{:root,:host{--font-sans:ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--spacing:.25rem;--default-transition-duration:.15s;--default-transition-timing-function:cubic-bezier(.4, 0, .2, 1);--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring{outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab, red, red)){::placeholder{color:color-mix(in oklab, currentcolor 50%, transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.visible{visibility:visible}.fixed{position:fixed}.relative{position:relative}.static{position:static}.start{inset-inline-start:var(--spacing)}.end{inset-inline-end:var(--spacing)}.block{display:block}.contents{display:contents}.grid{display:grid}.hidden{display:none}.inline{display:inline}.table{display:table}.grow{flex-grow:1}.transition{transition-property:color,background-color,border-color,outline-color,text-decoration-color,fill,stroke,--tw-gradient-from,--tw-gradient-via,--tw-gradient-to,opacity,box-shadow,transform,translate,scale,rotate,filter,-webkit-backdrop-filter,backdrop-filter,display,content-visibility,overlay,pointer-events;transition-timing-function:var(--tw-ease,var(--default-transition-timing-function));transition-duration:var(--tw-duration,var(--default-transition-duration))}}.sr22-topic-cluster{color:#fff;background:#0b0b0d;padding:90px max(6vw,24px)}.sr22-topic-cluster>h2{color:var(--rich);max-width:900px;font:700 clamp(38px,5vw,64px)/1.05 Georgia,serif}.sr22-topic-cluster>div{background:#59431e;grid-template-columns:1fr 1fr;gap:1px;margin-top:40px;display:grid}.sr22-topic-cluster a{background:#111113;grid-template-columns:50px 1fr auto;align-items:center;gap:16px;padding:24px;display:grid}.sr22-topic-cluster a:hover,.sr22-topic-cluster a:focus-visible{background:#211a10}.sr22-topic-cluster span,.sr22-topic-cluster em{color:var(--gold);font-style:normal}.sr22-article-hero{background:linear-gradient(120deg,#050507,#201707 70%,#5c4014)}.article-body{background:#fff;grid-template-columns:1.4fr .6fr;gap:70px;padding:90px max(7vw,28px);display:grid}.article-body section{border-bottom:1px solid #d8cbaa;padding-bottom:28px}.article-body h2{color:#654816;font:700 clamp(28px,4vw,44px) Georgia,serif}.article-body p{font-size:18px;line-height:1.75}.article-body aside{background:#f3eee2;align-self:start;padding:30px;position:sticky;top:120px}.article-body aside li{margin:16px 0}.article-body aside a{color:#765314;font-weight:800;text-decoration:underline}.official-note{border-left:4px solid var(--gold);background:#f3eee2;margin:45px max(7vw,28px);padding:24px}.official-note a{color:#765314;text-decoration:underline}@media (width<=800px){.sr22-topic-cluster>div,.article-body{grid-template-columns:1fr}.sr22-topic-cluster a{grid-template-columns:42px 1fr}.sr22-topic-cluster em{grid-column:2}.article-body aside{position:static}}.skip-link{z-index:1000;color:#111;border:3px solid var(--gold);background:#fff;padding:12px 18px;font-weight:800;position:fixed;top:10px;left:16px;transform:translateY(-150%)}.skip-link:focus{transform:translateY(0)}:focus-visible{outline-offset:3px;outline:3px solid #f4c45f}main:focus{outline:none}@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}}.legal-content{background:#fff;grid-template-columns:1fr 1fr;gap:70px;padding:90px max(7vw,28px);display:grid}.legal-content h2{color:#6d4d18;margin-top:34px;font:700 30px Georgia,serif}.legal-content h2:first-child{margin-top:0}.legal-content p{font-size:17px;line-height:1.75}.legal-content a{color:#765314;text-decoration:underline}@media (width<=800px){.legal-content{grid-template-columns:1fr;gap:20px}}.learning-tools{color:#fff;background:#0b0b0d;padding:90px max(5vw,22px)}.learning-tools>h2{color:var(--rich);margin:18px 0;font:700 clamp(38px,5vw,64px)/1.05 Georgia,serif}.tools-intro{color:#d8d0c5;max-width:900px;font-size:18px}.tool-grid{grid-template-columns:repeat(3,1fr);gap:18px;margin-top:42px;display:grid}.tool-card{background:#121214;border:1px solid #59431e;padding:28px}.tool-card h3{color:var(--rich);margin-top:0;font:700 27px Georgia,serif}.tool-card>p,.tool-card>small{color:#cfc7bb}.tool-fields{grid-template-columns:1fr 1fr;gap:12px;display:grid}.tool-field{flex-direction:column;gap:6px;margin:12px 0;font-size:13px;font-weight:700;display:flex}.tool-field input,.tool-field select{color:#17130d;width:100%;font:inherit;background:#fff;border:2px solid #8a672c;padding:11px}.tool-field input:focus,.tool-field select:focus{border-color:var(--rich);outline:3px solid #e2b15088}.tool-result{border-left:4px solid var(--gold);background:#211a10;gap:6px;margin:20px 0;padding:18px;display:grid}.tool-result span{text-transform:uppercase;letter-spacing:.1em;color:#ddd4c8;font-size:12px}.tool-result b{color:var(--rich);font:700 30px Georgia,serif}.tool-disclaimer{color:#ddd4c8;border:1px solid #59431e;max-width:1100px;margin-top:30px;padding:18px}@media (width<=1050px){.tool-grid{grid-template-columns:1fr}}@media (width<=560px){.tool-fields{grid-template-columns:1fr}}.learning-index,.specialty-library,.glossary,.comparison{padding:90px max(6vw,24px)}.learning-index,.glossary{background:#fff}.specialty-library,.comparison{background:#f5f1e9}.learning-index>h2,.specialty-library>h2,.glossary>h2,.comparison>h2{max-width:900px;margin:18px 0 42px;font:700 clamp(38px,5vw,64px)/1.05 Georgia,serif}.learning-index>div{background:var(--gold);grid-template-columns:repeat(4,1fr);gap:1px;display:grid}.learning-index a{background:var(--black);color:#fff;min-height:240px;padding:30px}.learning-index h3,.specialty-library h3{color:var(--rich);font:700 23px Georgia,serif}.learning-index p{color:#ccc3b8;line-height:1.6}.learning-index b{color:var(--rich)}.specialty-library>div{grid-template-columns:repeat(4,1fr);gap:16px;display:grid}.specialty-library article{border-top:3px solid var(--gold);background:#fff;padding:24px}.specialty-library p{line-height:1.6}.library-note{max-width:950px;margin-top:28px;font-size:13px}.glossary dl{border-top:1px solid #d1c4aa;grid-template-columns:1fr 1fr;margin:0;display:grid}.glossary dl>div{border-bottom:1px solid #d1c4aa;grid-template-columns:150px 1fr;gap:20px;padding:22px;display:grid}.glossary dt{color:#765314;font-weight:800}.glossary dd{margin:0}.comparison-table{border:1px solid #a88a52}.comparison-table>div{grid-template-columns:repeat(4,1fr);display:grid}.comparison-table>div>*{border-bottom:1px solid #c8b688;border-right:1px solid #c8b688;padding:18px}.comparison>p{max-width:1000px;line-height:1.7}.checklists{background:var(--gold);grid-template-columns:1fr 1fr;gap:1px;padding:90px max(6vw,24px);display:grid}.checklists article{background:var(--black);color:#fff;padding:42px}.checklists h2{color:var(--rich);font:700 clamp(32px,4vw,50px) Georgia,serif}.checklists li{margin:14px 0;line-height:1.5}@media (width<=1000px){.learning-index>div,.specialty-library>div{grid-template-columns:1fr 1fr}}@media (width<=700px){.glossary dl,.checklists{grid-template-columns:1fr}.comparison-table>div{padding:12px;display:block}.comparison-table>div:first-child{display:none}.comparison-table>div span{justify-content:space-between;gap:16px;display:flex}.comparison-table>div span:before{content:attr(data-label);font-weight:800}.learning-index>div,.specialty-library>div{grid-template-columns:1fr}.glossary dl>div{grid-template-columns:1fr;gap:7px}}:root{--black:#0b0b0d;--gold:#b8862b;--rich:#e2b150;--ivory:#f3eee2;--white:#fff;--ink:#1b1a18}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--ivory);color:var(--ink);margin:0;font-family:Arial,Helvetica,sans-serif;line-height:1.6}a{color:inherit;text-decoration:none}header{background:var(--black);height:92px;color:var(--white);z-index:20;border-bottom:1px solid #3a2c18;align-items:center;gap:34px;padding:0 max(5vw,24px);display:flex;position:sticky;top:0}.brand{align-items:center;gap:12px;margin-right:auto;display:flex}.brand b{letter-spacing:.14em;color:var(--rich);font-family:Georgia,serif;font-size:24px}.brand small{letter-spacing:.25em;font-size:9px;display:block}.crest{border:1px solid var(--gold);width:42px;height:42px;color:var(--rich);border-radius:50%;place-items:center;font-size:20px;display:grid}nav{letter-spacing:.08em;gap:24px;font-size:13px;display:flex}nav a:hover{color:var(--rich)}.button{background:var(--gold);color:var(--black);border:1px solid var(--rich);letter-spacing:.04em;padding:14px 24px;font-weight:800;display:inline-block}.button:hover{background:var(--rich)}.compact{padding:10px 16px;font-size:12px}.hero{min-height:760px;color:var(--white);isolation:isolate;background-image:linear-gradient(90deg,#050507fa 0%,#050507ed 30%,#050507b8 48%,#0505073d 72%,#05050714 100%),linear-gradient(#0505070d 45%,#0505077a);background-position:50%;background-size:cover;align-items:center;padding:90px max(7vw,28px);display:flex;position:relative}.hero:after{content:"";pointer-events:none;border-top:1px solid #4c3920;border-bottom:1px solid #4c3920;position:absolute;inset:0}.hero>div{z-index:1;max-width:760px;position:relative}.eyebrow{color:var(--gold);letter-spacing:.22em;font-size:12px;font-weight:800}.hero h1,.page-hero h1{letter-spacing:-.04em;margin:24px 0;font:700 clamp(54px,7vw,104px)/.95 Georgia,serif}.lead{color:#d9d3c8;max-width:720px;font-size:clamp(18px,2vw,24px)}.actions{align-items:center;gap:28px;margin-top:36px;display:flex}.text-link{color:var(--rich);font-weight:800}.trust{text-transform:uppercase;letter-spacing:.18em;color:#aaa49b;gap:22px;margin-top:60px;font-size:11px;display:flex}.intro,.split,.detail{padding:100px max(7vw,28px)}.intro{text-align:center;max-width:980px;margin:auto}.intro h2,.split h2,.detail h2,.cta h2{margin:18px 0;font:700 clamp(36px,5vw,66px)/1.05 Georgia,serif}.intro p{font-size:20px}.product-grid{background:var(--gold);grid-template-columns:repeat(4,1fr);gap:1px;padding:0 max(5vw,24px) 110px;display:grid}.product{background:var(--black);color:#fff;min-height:330px;padding:46px 30px}.product>span{color:var(--gold);font-size:12px}.product h3{color:var(--rich);margin-top:48px;font:700 29px Georgia,serif}.product p{color:#c9c1b6}.product b{color:var(--rich);margin-top:24px;display:block}.split,.detail{background:#fff;grid-template-columns:1fr 1fr;gap:80px;display:grid}.split p,.detail li{font-size:18px}.split li,.detail li{margin:14px 0}.cta{background:var(--gold);color:var(--black);text-align:center;padding:100px 24px}.cta .eyebrow{color:#3c2a0d}.light{background:var(--black);color:#fff}.page-hero{background:var(--black);color:#fff;padding:120px max(8vw,28px)}.page-hero h1{max-width:950px}.detail ul{padding:0;list-style:none}.detail li{border-top:1px solid #d7ccb9;padding:22px 0}.detail li:before{content:"✦";color:var(--gold);margin-right:14px}.notice{border-left:4px solid var(--gold);background:#fff;margin:50px max(8vw,28px);padding:24px}.contact-grid{background:var(--gold);grid-template-columns:repeat(4,1fr);gap:1px;padding:70px max(5vw,24px);display:grid}.contact-grid>*{background:#fff;flex-direction:column;min-height:150px;padding:34px;display:flex}.contact-grid b{color:#7c591f;text-transform:uppercase;letter-spacing:.12em;margin-bottom:18px}footer{background:var(--black);color:#fff;grid-template-columns:1fr 1fr;gap:50px;padding:80px max(6vw,28px);display:grid}footer h2{color:var(--rich);font:700 38px Georgia,serif}footer>div:nth-child(2){flex-direction:column;gap:8px;display:flex}footer p,footer small{color:#aaa49b;grid-column:1/-1;max-width:900px;font-size:12px}@media (width<=900px){header nav{display:none}.hero{background-image:linear-gradient(90deg,#050507f0 0%,#050507d1 58%,#05050761 100%),linear-gradient(#0505071a,#05050773);background-position:58%;min-height:680px}.product-grid,.contact-grid{grid-template-columns:1fr 1fr}.split,.detail{grid-template-columns:1fr;gap:20px}footer{grid-template-columns:1fr}}@media (width<=560px){header{height:76px}.brand b{font-size:16px}.compact{display:none}.hero{background-position:62%;min-height:690px;padding-top:70px}.hero h1,.page-hero h1{font-size:48px}.product-grid,.contact-grid{grid-template-columns:1fr}.actions{flex-direction:column;align-items:flex-start}.trust{flex-wrap:wrap}.page-hero{padding-top:80px}}.quote-section{background:#fff;grid-template-columns:.8fr 1.2fr;gap:80px;padding:100px max(7vw,28px);display:grid}.quote-copy h2,.form-success h2{margin:18px 0;font:700 clamp(36px,5vw,60px)/1.05 Georgia,serif}.quote-copy>p{font-size:18px}.privacy-note,.form-disclosure{color:#625d55;font-size:13px}.quote-form{grid-template-columns:1fr 1fr;gap:20px;display:grid}.field{flex-direction:column;gap:7px;display:flex}.full{grid-column:1/-1}.field label,.consent{font-size:13px;font-weight:700}.field label span{font-weight:400}.field input,.field select,.field textarea{width:100%;color:var(--ink);font:inherit;background:#fbfaf7;border:1px solid #c7bda9;border-radius:0;padding:13px 14px}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--gold);outline:3px solid #e2b15066}.consent{align-items:flex-start;gap:10px;font-weight:400;display:flex}.consent input{accent-color:var(--gold);margin-top:5px}.quote-form button{cursor:pointer;border-radius:0;font:800 14px Arial,sans-serif}.quote-form button:disabled{opacity:.65;cursor:wait}.trap{width:1px;height:1px;position:absolute;left:-10000px;overflow:hidden}.form-error{color:#9b211e;background:#fff1ef;border-left:3px solid #9b211e;padding:12px}.form-success{background:#fff;padding:100px max(8vw,28px)}.form-success a{color:#7c591f;text-decoration:underline}@media (width<=900px){.quote-section{grid-template-columns:1fr;gap:35px}}@media (width<=560px){.quote-form{grid-template-columns:1fr}.field,.full{grid-column:1}}.mobile-nav{display:none;position:relative}.mobile-nav summary{cursor:pointer;border:1px solid var(--gold);color:var(--rich);letter-spacing:.08em;text-transform:uppercase;padding:10px 14px;font-size:12px;font-weight:800;list-style:none}.mobile-nav summary::-webkit-details-marker{display:none}.mobile-nav[open] summary{background:var(--gold);color:var(--black)}.mobile-nav>div{z-index:30;background:var(--black);border:1px solid #4c3920;flex-direction:column;min-width:235px;padding:12px;display:flex;position:absolute;top:calc(100% + 12px);right:0;box-shadow:0 18px 40px #0009}.mobile-nav a{color:var(--white);padding:12px 14px;font-size:14px}.mobile-nav a:hover,.mobile-nav a:focus-visible{color:var(--rich);background:#211a10}.mobile-nav .mobile-quote{background:var(--gold);color:var(--black);margin-top:6px;font-weight:800}.footer-links{flex-wrap:wrap;grid-column:1/-1;gap:22px;display:flex}.footer-links a{color:var(--rich);font-weight:700}.footer-links a:hover,.footer-links a:focus-visible{text-decoration:underline}@media (width<=900px){.mobile-nav{display:block}header>.compact{display:none}}@media (width<=560px){header{padding-left:18px;padding-right:18px}.crest{width:38px;height:38px}.mobile-nav summary{padding:9px 11px}}.faq{background:#f5f1e9;padding:90px max(8vw,28px)}.faq>h2{max-width:750px;margin:18px 0 42px;font:700 clamp(36px,5vw,60px)/1.05 Georgia,serif}.faq-list{border-top:1px solid #c9b992}.faq-list details{border-bottom:1px solid #c9b992}.faq-list summary{cursor:pointer;padding:24px 42px 24px 0;font:700 clamp(18px,2vw,24px) Georgia,serif;position:relative}.faq-list summary:after{content:"+";color:#8b641f;position:absolute;right:8px}.faq-list details[open] summary:after{content:"×"}.faq-list p{max-width:850px;margin:0;padding:0 42px 24px 0;font-size:17px;line-height:1.7}.nav-priority{color:var(--rich);font-weight:800}.phone-button{color:var(--rich);background:0 0}.sr22-button{color:#171008;border:2px solid var(--rich);background:#fff;box-shadow:0 0 0 3px #000}.hero .actions{flex-wrap:wrap}.hero .actions .text-link{width:100%}.footer-priority{color:var(--rich);margin-top:16px;font-weight:800}.mobile-nav .mobile-priority{color:var(--rich);border-bottom:1px solid #4c3920;font-weight:800}.sr22-hero{background:radial-gradient(circle at 82% 30%,#6f4b14 0,#211607 28%,#050507 62%)}.source-note{color:#bfb7aa;margin-top:26px;font-size:12px}.education-grid,.official-resources{background:#fff;grid-template-columns:1fr 1fr;gap:70px;padding:90px max(7vw,28px);display:grid}.education-grid article{border-top:3px solid var(--gold);padding-top:24px}.education-grid h2,.sr22-process h2,.limits h2,.official-resources h2{margin:18px 0;font:700 clamp(34px,4vw,58px)/1.05 Georgia,serif}.education-grid p,.education-grid li,.limits p,.official-resources p{font-size:17px;line-height:1.7}.education-grid li{margin:12px 0}.sr22-process{background:var(--black);color:#fff;padding:90px max(7vw,28px)}.sr22-process ol{background:#4c3920;grid-template-columns:repeat(4,1fr);gap:1px;margin:42px 0;padding:0;list-style:none;display:grid}.sr22-process li{background:#0b0b0d;flex-direction:column;gap:20px;min-height:150px;padding:28px;display:flex}.sr22-process li b{color:var(--gold);text-transform:uppercase;letter-spacing:.15em;font-size:12px}.limits{color:#16100a;background:#e6b348;padding:90px max(8vw,28px)}.limit-grid{background:#5d431c;grid-template-columns:repeat(3,1fr);gap:1px;margin:36px 0;display:grid}.limit-grid div{background:#f1c66f;flex-direction:column;padding:34px;display:flex}.limit-grid b{font:700 clamp(34px,4vw,56px) Georgia,serif}.limit-grid span{font-weight:700}.limits a{text-decoration:underline}.official-resources{background:#fff}.official-resources>div:last-child{flex-direction:column;gap:14px;display:flex}.official-resources a{color:#765314;font-weight:800;text-decoration:underline}@media (width<=900px){.education-grid,.official-resources{grid-template-columns:1fr;gap:36px}.sr22-process ol{grid-template-columns:1fr 1fr}}@media (width<=560px){.sr22-process ol,.limit-grid{grid-template-columns:1fr}.sr22-process li{min-height:auto}}.sr22-callout{color:#171008;background:#d9a13b;justify-content:space-between;align-items:center;gap:36px;padding:54px max(7vw,28px);display:flex}.sr22-callout h2{margin:12px 0;font:700 clamp(30px,4vw,50px)/1.05 Georgia,serif}.sr22-callout p{max-width:760px;font-size:17px}.sr22-callout .eyebrow{color:#4a3210}@media (width<=700px){.sr22-callout{flex-direction:column;align-items:flex-start}}.policy-form-hub{background:#fff;padding:95px max(7vw,28px)}.policy-form-hub>div:first-child{max-width:850px}.policy-form-hub h2{margin:18px 0;font:700 clamp(38px,5vw,66px)/1.05 Georgia,serif}.policy-form-hub>div:first-child p{font-size:18px}.policy-form-grid{background:var(--gold);grid-template-columns:repeat(4,1fr);gap:1px;margin-top:44px;display:grid}.policy-form-grid a{background:var(--black);color:#fff;flex-direction:column;min-height:245px;padding:30px;display:flex}.policy-form-grid span{color:var(--rich);font:700 27px Georgia,serif}.policy-form-grid p{color:#c9c1b6}.policy-form-grid b{color:var(--rich);margin-top:auto}.form-page-hero{padding-bottom:80px}.form-time{color:var(--rich);margin-top:28px;font-weight:700}.policy-quote-section{background:#fff;padding:75px max(7vw,28px) 110px}.policy-quote-form{background:#fbfaf7;border:1px solid #c7bda9;max-width:980px;margin:42px auto 0;padding:38px}.form-progress{color:#5f574d;text-transform:uppercase;letter-spacing:.08em;grid-template-columns:auto auto 1fr auto auto 1fr auto auto;align-items:center;gap:12px;max-width:980px;margin:auto;font-size:12px;display:grid}.form-progress span{background:var(--gold);color:#111;border-radius:50%;place-items:center;width:32px;height:32px;font-weight:900;display:grid}.form-progress i{background:#b7aa93;height:1px}.form-group-title{color:#6f4d17;border-top:1px solid #d9cdb8;margin:26px 0 0;padding:18px 0 8px;font:700 25px Georgia,serif}.field small{color:#6b655c;font-size:12px}.repeat-heading{justify-content:space-between;align-items:center;gap:24px;margin-top:30px;display:flex}.repeat-heading h2{color:#6f4d17;margin:0;font:700 29px Georgia,serif}.repeat-heading p{max-width:680px;margin:4px 0}.repeat-card{background:#fff;border:1px solid #bba982;margin:0;padding:22px}.repeat-card legend{color:#6f4d17;padding:0 10px;font:700 18px Georgia,serif}.repeat-grid{grid-template-columns:1fr 1fr;gap:18px;display:grid}.add-button,.remove-button{color:var(--rich);cursor:pointer;background:#211a10;border:1px solid #8a672c;padding:11px 16px;font-weight:800}.remove-button{color:#6d341d;background:#fff7e7}.zero-state{background:#fff;border:2px dashed #b9a57d;padding:26px}.policy-quote-form input:invalid:not(:focus),.policy-quote-form select:invalid{border-left:4px solid #9b211e}.policy-quote-form input:valid,.policy-quote-form select:valid{border-left:4px solid #47723c}@media (width<=950px){.policy-form-grid{grid-template-columns:1fr 1fr}}@media (width<=680px){.policy-form-grid{grid-template-columns:1fr}.policy-quote-form{padding:20px}.form-progress{grid-template-columns:auto 1fr}.form-progress i{display:none}.form-progress b{font-size:10px}.repeat-heading{flex-direction:column;align-items:flex-start}.repeat-grid{grid-template-columns:1fr}.repeat-grid .field,.repeat-grid .full{grid-column:1}.add-button{width:100%}}.learning-hero{background:linear-gradient(120deg,#050507 0%,#17130d 62%,#503713 100%)}.learning-essentials{background:#c59a4b;grid-template-columns:repeat(4,1fr);gap:1px;display:grid}.learning-essentials article{background:#fff;padding:36px}.learning-essentials h2{text-transform:capitalize;font:700 25px Georgia,serif}.learning-essentials p{line-height:1.65}.topic-library{background:#f5f1e9;padding:90px max(6vw,24px)}.topic-library>h2,.buying-questions>h2{margin:18px 0 42px;font:700 clamp(38px,5vw,64px)/1.05 Georgia,serif}.topic-library>div{grid-template-columns:repeat(3,1fr);gap:18px;display:grid}.topic-library article{border-top:3px solid var(--gold);background:#fff;padding:26px}.topic-library h3{margin:0 0 12px;font:700 22px Georgia,serif}.topic-library p{margin:0;line-height:1.65}.scenario{background:var(--black);color:#fff;grid-template-columns:.8fr 1.2fr;gap:70px;padding:80px max(7vw,28px);display:grid}.scenario h2{font:700 clamp(34px,4vw,52px)/1.05 Georgia,serif}.scenario p{color:#ddd4c8;font-size:20px;line-height:1.7}.buying-questions{background:#fff;padding:90px max(7vw,28px)}.buying-questions ol{background:#d3c6ae;grid-template-columns:1fr 1fr;gap:1px;margin:0;padding:0;list-style:none;display:grid}.buying-questions li{background:#fff;gap:20px;padding:26px;font-size:17px;display:flex}.buying-questions li b{color:#8a631e}@media (width<=900px){.learning-essentials,.topic-library>div{grid-template-columns:1fr 1fr}.scenario{grid-template-columns:1fr;gap:20px}}@media (width<=560px){.learning-essentials,.topic-library>div,.buying-questions ol{grid-template-columns:1fr}}.article-index{background:#f5f1e9;grid-template-columns:repeat(2,1fr);gap:20px;padding:90px max(7vw,28px);display:grid}.article-index article{border-top:3px solid var(--gold);background:#fff;padding:34px}.article-index h2{font:700 clamp(28px,3vw,40px)/1.1 Georgia,serif}.article-index p{font-size:17px;line-height:1.7}.article-page-hero{color:#fff;background:linear-gradient(120deg,#050507 0%,#17130d 62%,#503713 100%);padding:110px max(8vw,28px)}.article-page-hero h1{max-width:1000px;margin:24px 0;font:700 clamp(48px,6vw,82px)/1 Georgia,serif}.article-reading{background:#fff;grid-template-columns:1.4fr .6fr;gap:70px;padding:90px max(7vw,28px);display:grid}.article-reading>div{max-width:780px}.article-reading p{font-size:18px;line-height:1.82}.article-opening{color:#5b4219;font-size:22px!important}.article-reading aside{border-top:3px solid var(--gold);background:#f3eee2;align-self:start;padding:30px;position:sticky;top:120px}.article-reading aside h2{font:700 32px Georgia,serif}.article-reading aside .button{margin:14px 0}@media (width<=850px){.article-index,.article-reading{grid-template-columns:1fr}.article-reading aside{position:static}}.staff-workspace{color:#1b1a18;background:#f3eee2;min-height:100vh;padding:0 0 80px}.staff-header{justify-content:space-between;gap:24px;height:auto;min-height:110px;padding:24px max(5vw,24px);display:flex;position:static}.staff-header p{color:#e2b150;letter-spacing:.16em;margin:0;font-size:12px;font-weight:800}.staff-header h1{color:#fff;margin:2px 0 0;font:700 clamp(30px,4vw,48px)/1 Georgia,serif}.staff-header>a{color:#e2b150;text-decoration:underline}.staff-intro{grid-template-columns:1fr 1fr;align-items:end;gap:48px;padding:64px max(6vw,24px) 38px;display:grid}.staff-intro h2{margin:12px 0 0;font:700 clamp(34px,5vw,62px)/1.05 Georgia,serif}.staff-intro>p{max-width:680px;font-size:17px}.staff-status{background:#fff;border-left:4px solid #b8862b;margin:0 max(6vw,24px) 24px;padding:16px 18px}.staff-error{border-left-color:#9b211e}.staff-status button,.staff-actions button{color:#2c2111;cursor:pointer;background:#fff;border:1px solid #8a672c;padding:10px 14px;font:700 14px Arial,sans-serif}.staff-inquiry-list{grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;padding:0 max(6vw,24px);display:grid}.staff-inquiry{background:#fff;border-top:4px solid #b8862b;padding:26px;box-shadow:0 8px 24px #261b0e12}.staff-inquiry-heading{justify-content:space-between;align-items:flex-start;gap:20px;display:flex}.staff-inquiry-heading span{text-transform:uppercase;color:#765314;letter-spacing:.12em;font-size:12px;font-weight:800}.staff-inquiry-heading h2{margin:6px 0;font:700 28px Georgia,serif}.staff-inquiry-heading strong{white-space:nowrap;background:#f3eee2;padding:7px 10px;font-size:12px}.staff-inquiry-heading strong[data-state=policy_placed]{color:#1d4d16;background:#dcebd6}.staff-inquiry dl{gap:12px;margin:22px 0;display:grid}.staff-inquiry dl>div{border-top:1px solid #e4d9c6;grid-template-columns:145px 1fr;gap:16px;padding-top:12px;display:grid}.staff-inquiry dt{text-transform:uppercase;color:#665d50;font-size:12px;font-weight:800}.staff-inquiry dd{overflow-wrap:anywhere;margin:0}.staff-inquiry dd a{color:#6e4b12;font-weight:800;text-decoration:underline}.staff-actions{flex-wrap:wrap;gap:9px;display:flex}.staff-actions button:hover,.staff-actions button:focus-visible{color:#e2b150;background:#211a10}.staff-actions button:disabled{opacity:.55;cursor:wait}.staff-access-denied{background:#fff;border-left:5px solid #9b211e;max-width:720px;margin:80px auto;padding:36px}.staff-access-denied h2{font:700 34px Georgia,serif}@media (width<=850px){.staff-intro,.staff-inquiry-list{grid-template-columns:1fr}.staff-intro{gap:18px}.staff-inquiry dl>div{grid-template-columns:1fr;gap:3px}}@media (width<=520px){.staff-header{align-items:flex-start}.staff-inquiry-heading{flex-direction:column}.staff-inquiry-heading strong{white-space:normal}.staff-actions{grid-template-columns:1fr 1fr;display:grid}.staff-actions button{width:100%}}.intro .eyebrow,.split .eyebrow,.learning-index>.eyebrow,.specialty-library>.eyebrow,.glossary>.eyebrow,.comparison>.eyebrow,.topic-library>.eyebrow,.buying-questions>.eyebrow,.quote-section .eyebrow,.education-grid .eyebrow,.official-resources .eyebrow,.faq>.eyebrow,.detail .eyebrow,.legal-content .eyebrow,.specialty-library h3{color:#6f4b0d}.safety-preview{color:#17233c;background:#f6f4ef;align-items:center;min-height:100svh;padding:clamp(1rem,4vw,3rem);display:flex;overflow-x:clip}.safety-preview-card{background:#fff;border:2px solid #17233c;border-radius:1rem;width:100%;max-width:48rem;margin:0 auto;padding:clamp(1.25rem,5vw,3rem);box-shadow:0 1rem 3rem #17233c1f}.safety-preview-card h1{color:#17233c;overflow-wrap:anywhere;margin:0 0 1.25rem;font-size:clamp(2rem,8vw,4.5rem);line-height:1.02}.safety-preview-card p{color:#263750;max-width:62ch;font-size:clamp(1rem,2.5vw,1.2rem);line-height:1.65}.safety-preview-kicker{letter-spacing:.12em;font-weight:800;color:#5c3d0a!important;font-size:.78rem!important}.safety-preview-status,.safety-preview-noscript{background:#e8eef8;border-left:.35rem solid #17233c;padding:.9rem 1rem}.safety-preview :focus-visible,.skip-link:focus-visible{outline-offset:4px;outline:3px solid #0b5fff}@media (width<=320px){.safety-preview{padding:.75rem}.safety-preview-card{border-radius:.7rem;padding:1rem}}.priority-preview{align-items:stretch;max-width:none;margin:0;padding:clamp(.75rem,3vw,2rem);display:block}.priority-preview:focus-visible{outline-offset:-6px;outline:3px solid #0b5fff}.priority-preview-hero,.priority-preview-section,.priority-preview-failure,.priority-preview-footer{background:#fff;border:2px solid #17233c;border-radius:1rem;max-width:76rem;margin:0 auto 1rem;padding:clamp(1rem,4vw,2.5rem)}.priority-preview h1{color:#17233c;overflow-wrap:anywhere;margin:0 0 1rem;font-size:clamp(2rem,7vw,4.5rem);line-height:1.05}.priority-preview h2{color:#17233c;margin:0 0 1rem;font:700 clamp(1.5rem,4vw,2.5rem)/1.15 Arial,Helvetica,sans-serif}.priority-preview h3{color:#17233c;margin:0 0 .5rem;font:700 1.2rem/1.3 Arial,Helvetica,sans-serif}.priority-preview-lead{color:#263750;max-width:68ch;font-size:clamp(1.05rem,2vw,1.3rem)}.priority-preview-actions,.priority-preview-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem;margin-top:1.5rem;display:grid}.priority-preview-action{color:#fff;text-align:center;background:#17233c;border:2px solid #17233c;justify-content:center;align-items:center;min-height:3rem;padding:.75rem 1rem;font-weight:800;display:flex}.priority-preview-action.secondary{color:#17233c;background:#fff}.priority-preview-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.priority-preview-grid article{border:1px solid #66738a;padding:1rem}.priority-preview-table-wrap{max-width:100%;overflow-x:auto}.priority-preview table{border-collapse:collapse;width:100%;min-width:48rem}.priority-preview caption{color:#263750;text-align:left;padding:0 0 .75rem;font-weight:700}.priority-preview th,.priority-preview td{text-align:left;vertical-align:top;border:1px solid #66738a;padding:.75rem}.priority-preview th{color:#17233c;background:#e8eef8}.priority-preview-steps{grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;margin:0;padding:0;list-style-position:inside;display:grid}.priority-preview-steps li{border-left:.35rem solid #17233c;padding:.75rem 1rem}.priority-preview-faq details{border-top:1px solid #66738a;padding:.75rem 0}.priority-preview-faq details:last-child{border-bottom:1px solid #66738a}.priority-preview-faq summary{color:#17233c;cursor:pointer;padding:.5rem;font-weight:800}.priority-preview-faq p{margin:.5rem 0 0;padding:0 .5rem .5rem}.priority-preview-failure{background:#fff4df;border-color:#6f4b0d}.priority-preview-footer{color:#fff;background:#17233c}.priority-preview-footer p{color:#fff;margin:0}@media (width<=700px){.priority-preview-actions,.priority-preview-grid,.priority-preview-steps{grid-template-columns:1fr}}@media (width<=320px){.priority-preview{padding:.5rem}.priority-preview-hero,.priority-preview-section,.priority-preview-failure,.priority-preview-footer{border-radius:.5rem;padding:.875rem}}@media (forced-colors:active){.priority-preview-hero,.priority-preview-section,.priority-preview-failure,.priority-preview-footer,.priority-preview-action,.priority-preview-grid article,.priority-preview th,.priority-preview td{forced-color-adjust:auto;border-color:canvastext}}.consumer-logo-slot{align-items:center;max-width:min(12rem,42vw);line-height:0;display:inline-flex}.consumer-logo{object-fit:contain;width:auto;max-width:100%;height:clamp(2rem,5vw,3.25rem);display:block}.consumer-funnel-bridge{background:#f8fafc;border-top:1px solid #cbd5e1;border-bottom:1px solid #cbd5e1;max-width:76rem;margin:0 auto;padding:clamp(1.25rem,3vw,2.5rem) clamp(1rem,4vw,3rem)}.consumer-funnel-bridge>p{max-width:70ch}.consumer-funnel-bridge-grid,.consumer-intent-grid{grid-template-columns:repeat(auto-fit,minmax(min(100%,15rem),1fr));gap:1rem;margin-block:1rem;display:grid}.consumer-funnel-bridge-grid>*,.consumer-intent-grid>article{background:#fff;border:1px solid #cbd5e1;border-radius:.75rem;margin:0;padding:1rem}.consumer-derived-field,.consumer-field-preview{border-bottom:1px solid #dbe4ee;gap:.35rem;padding:.75rem 0;display:grid}.consumer-derived-field p,.consumer-field-preview p{color:#334155;max-width:68ch;margin:0;font-size:.9375rem}.consumer-field-preview label{grid-template-columns:minmax(0,1fr);gap:.4rem;font-weight:700;display:grid}.consumer-field-preview label:has(input[type=checkbox]){grid-template-columns:auto minmax(0,1fr);align-items:start}.consumer-field-preview input:not([type=checkbox]){width:100%;min-height:2.75rem}.consumer-policy-education{gap:clamp(1.5rem,4vw,3rem);display:grid}.consumer-policy-comparison{background:#fff;border:1px solid #b8c5d4;border-radius:1rem;gap:clamp(1.25rem,3vw,2rem);padding:clamp(1rem,4vw,2.25rem);display:grid;box-shadow:0 .35rem 1.25rem #10182014}.consumer-policy-comparison-header{color:#fff;z-index:auto;background:#101820;border:0;border-radius:.75rem;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);grid-template-areas:"title answer";align-items:start;gap:.5rem clamp(1rem,3vw,2rem);height:auto;min-height:0;padding:clamp(1rem,3vw,1.5rem);display:grid;position:static;top:auto}.consumer-policy-comparison-header>*{min-width:0}.consumer-policy-comparison-header>h2{grid-area:title}.consumer-policy-comparison-header>.consumer-answer-unit{grid-area:answer}.consumer-answer-unit{gap:.6rem;min-width:0;display:grid}.consumer-policy-comparison-header .consumer-answer-unit h3{color:#f0c36b}.consumer-policy-card>.consumer-answer-unit{background:#f7f9fc;border-left:.3rem solid #2d5f91;border-radius:.3rem;padding:1rem}.consumer-policy-comparison h2{max-width:24ch;margin:0 0 1rem;font-size:clamp(1.75rem,4vw,2.75rem);line-height:1.08}.consumer-policy-comparison h3{margin:0 0 .65rem;font-size:clamp(1.05rem,2vw,1.35rem)}.consumer-policy-comparison p,.consumer-policy-comparison ul,.consumer-policy-comparison dl{margin-block:0}.consumer-policy-comparison li+li{margin-top:.45rem}.consumer-policy-two-column,.consumer-policy-three-column,.consumer-policy-claim-grid{grid-template-columns:repeat(auto-fit,minmax(min(100%,16rem),1fr));gap:1rem;display:grid}.consumer-policy-two-column>section,.consumer-policy-three-column>section,.consumer-policy-claim-grid>article,.consumer-policy-scenario,.consumer-policy-escalation,.consumer-policy-next-step{background:#f7f9fc;border-left:.3rem solid #2d5f91;border-radius:.3rem;padding:1rem}.consumer-policy-two-column>*,.consumer-policy-three-column>*,.consumer-policy-claim-grid>*{min-width:0}.consumer-candidate .consumer-intent-grid h2{font-size:clamp(1.5rem,2.5vw,1.85rem)}.consumer-candidate .consumer-module-hero>aside h2{font-size:clamp(1.7rem,3vw,2.35rem)}.consumer-candidate .consumer-policy-comparison h2{overflow-wrap:normal;font-size:clamp(1.75rem,3.25vw,2.75rem)}.consumer-policy-claim-grid>article[data-support-state=Partially\ supports]{background:#fff8e8;border-left-color:#76520f}.consumer-policy-claim-grid strong{margin-top:.9rem;display:block}.consumer-policy-source-panel,.consumer-policy-review{border-top:1px solid #cbd5e1;padding-top:1.25rem}.consumer-policy-next-step .consumer-notice{margin-top:.75rem}@media (width<=560px){.consumer-policy-comparison{box-shadow:none;border-radius:.65rem}}@media (width<=760px){.consumer-policy-comparison-header{grid-template-columns:minmax(0,1fr);grid-template-areas:"title""answer"}}@media (width<=360px){.consumer-candidate .consumer-policy-comparison h2{overflow-wrap:anywhere}}@media (prefers-reduced-motion:reduce){.consumer-logo{transition:none!important;animation:none!important}}.consumer-candidate{--consumer-sticky-header-clearance:8rem;--consumer-ink:#101820;--consumer-muted:#4a5563;--consumer-gold:#c9932f;--consumer-cream:#f8f4ea;--consumer-paper:#fff;background:var(--consumer-paper);color:var(--consumer-ink);font-family:Arial,Helvetica,sans-serif;overflow-x:clip}.consumer-candidate #main-content,.consumer-candidate #learning-paths,.consumer-candidate #choose-a-path,.consumer-candidate #module-compare-title,.consumer-candidate [id^=policy-W15CMP-],.consumer-candidate [id^=health-W16HMOD-]{scroll-margin-block-start:var(--consumer-sticky-header-clearance);scroll-margin-top:var(--consumer-sticky-header-clearance)}.consumer-header{background:var(--consumer-ink);color:#fff;z-index:10;justify-content:space-between;align-items:center;gap:1rem 2rem;height:auto;min-height:4.5rem;padding:.9rem clamp(1rem,5vw,4rem);display:flex;position:sticky;top:0}.consumer-header a{color:#f8fafc;-webkit-text-decoration-color:var(--consumer-gold);text-decoration-color:var(--consumer-gold);text-underline-offset:.25em}.consumer-candidate .consumer-header a,.consumer-candidate .consumer-header a:visited{color:#f8fafc}.consumer-header nav{flex-wrap:wrap;gap:.75rem 1.25rem;display:flex}.consumer-header nav .consumer-nav-cta{background:var(--consumer-gold);border:2px solid var(--consumer-gold);color:var(--consumer-ink);padding:.35rem .7rem;text-decoration:none}.consumer-mobile-menu{display:none;position:relative}.consumer-mobile-menu summary{border:2px solid var(--consumer-gold);color:#fff;cursor:pointer;padding:.55rem .8rem;font-weight:900;list-style:none}.consumer-mobile-menu summary::-webkit-details-marker{display:none}.consumer-brand{letter-spacing:.02em;font-size:1.05rem;font-weight:900;text-decoration:none}.consumer-brand-operational{align-items:center;gap:.65rem;display:inline-flex}.consumer-operational-logo{flex:0 0 2.9rem;block-size:2.9rem;inline-size:2.9rem}.consumer-operational-logo img{object-fit:contain;block-size:100%;inline-size:100%;display:block}.consumer-brand-stack{gap:.1rem;max-width:min(30rem,55vw);display:grid}.consumer-brand-role{color:#d7dee8;font-size:.72rem;line-height:1.25}.consumer-candidate main:focus-visible,.consumer-candidate a:focus-visible,.consumer-candidate summary:focus-visible,.consumer-table-wrap:focus-visible{outline-offset:4px;outline:3px solid #0b5fff}.consumer-hero,.consumer-module-hero{background:var(--consumer-ink);color:#fff;grid-template-columns:minmax(0,1.5fr) minmax(16rem,.65fr);gap:clamp(1.5rem,5vw,4rem);padding:clamp(1.75rem,5vh,3rem) clamp(1rem,6vw,5rem);display:grid}.consumer-module-hero{grid-template-columns:minmax(0,1.4fr) minmax(18rem,.7fr)}.consumer-module-hero>aside,.consumer-status-card{background:var(--consumer-cream);border:2px solid var(--consumer-gold);color:var(--consumer-ink);align-self:center;padding:clamp(1rem,3vw,2rem)}.consumer-candidate .consumer-module-hero>a,.consumer-candidate .consumer-module-hero>a:visited{color:#f8fafc;grid-column:1/-1}.consumer-candidate h1{color:inherit;letter-spacing:-.04em;overflow-wrap:anywhere;max-width:14ch;margin:0 0 1.25rem;font:900 clamp(2.25rem,5vw,4.25rem)/1.02 Arial,Helvetica,sans-serif}.consumer-candidate h2{color:inherit;letter-spacing:-.025em;margin:0 0 1rem;font:900 clamp(1.8rem,4.5vw,3.4rem)/1.05 Arial,Helvetica,sans-serif}.consumer-candidate h3{color:inherit;margin:0 0 .65rem;font:850 1.25rem/1.2 Arial,Helvetica,sans-serif}.consumer-candidate p,.consumer-candidate li,.consumer-candidate td,.consumer-candidate th{overflow-wrap:anywhere;line-height:1.62}.consumer-candidate a{color:#074f9d;text-underline-offset:.2em;font-weight:800}.consumer-eyebrow,.consumer-section-kicker{color:#f0c36b;letter-spacing:.13em;font-size:.78rem;font-weight:900}.consumer-section-kicker{color:#6f4b0d}.consumer-lead,.consumer-section-intro{max-width:68ch;font-size:clamp(1.05rem,2vw,1.35rem)}.consumer-actions{flex-wrap:wrap;align-content:flex-start;align-items:flex-start;gap:.75rem;margin-top:1.25rem;display:flex}@media (height<=620px) and (width>=700px){.consumer-header{min-height:3.75rem;padding-top:.65rem;padding-bottom:.65rem}.consumer-hero,.consumer-module-hero{gap:1.25rem;padding-top:1.5rem;padding-bottom:1.5rem}.consumer-candidate h1{margin-bottom:.75rem;font-size:clamp(2.25rem,4.6vw,3.4rem)}.consumer-lead{font-size:1rem}}.consumer-button{background:var(--consumer-gold);border:2px solid var(--consumer-gold);justify-content:center;align-items:center;min-height:3.25rem;padding:.75rem 1.15rem;font-weight:900;text-decoration:none;display:inline-flex;color:var(--consumer-ink)!important}.consumer-button.secondary{background:0 0;color:#fff!important}.consumer-button.disabled{cursor:not-allowed;background:#e4e7eb;border-color:#697586;color:#293544!important}.consumer-section,.consumer-final,.consumer-state-page{max-width:90rem;margin:0 auto;padding:clamp(3rem,8vw,6.5rem) clamp(1rem,6vw,5rem)}.consumer-section.alternate{background:var(--consumer-cream);max-width:none}.consumer-card-grid,.consumer-proposition-grid,.consumer-faq-grid,.consumer-pill-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem;margin-top:2rem;display:grid}.consumer-card-grid article,.consumer-proposition-grid>p,.consumer-faq-grid details,.consumer-pill-grid>p{border:1px solid #a6afba;border-top:.35rem solid var(--consumer-gold);background:#fff;margin:0;padding:1.15rem}.consumer-learning-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem;margin-top:2rem;display:grid}.consumer-learning-grid article{border:1px solid #8c98a6;border-top:.35rem solid var(--consumer-gold);background:#fff;flex-direction:column;min-width:0;padding:clamp(1rem,3vw,1.5rem);display:flex}.consumer-learning-grid ul{margin:0 0 1.25rem;padding-left:1.25rem}.consumer-learning-grid a{margin-top:auto}.consumer-faq-grid summary{cursor:pointer;padding:.25rem;font-weight:900}.consumer-faq-grid details>p{color:var(--consumer-muted);margin-bottom:0}.consumer-table-wrap{max-width:100%;overflow-x:auto}.consumer-table-wrap table{border-collapse:collapse;width:100%;min-width:52rem}.consumer-table-wrap th,.consumer-table-wrap td{text-align:left;vertical-align:top;border:1px solid #8c98a6;padding:.85rem}.consumer-table-wrap thead th{background:var(--consumer-ink);color:#fff}.consumer-table-wrap ul{margin:0;padding-left:1.2rem}.consumer-process{counter-reset:none;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;margin:2rem 0 0;padding:0;list-style:none;display:grid}.consumer-process li{border-top:.35rem solid var(--consumer-gold);padding:1rem}.consumer-process li>span{background:var(--consumer-ink);color:#fff;border-radius:50%;justify-content:center;align-items:center;width:2.25rem;height:2.25rem;font-weight:900;display:flex}.consumer-education-action,.consumer-journey{background:#fff6df;border:2px solid #8a5a00;margin-top:clamp(2rem,5vw,4rem);padding:clamp(1rem,4vw,2rem)}.consumer-education-action p{max-width:68ch}.consumer-journey ol{grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem;margin:1.5rem 0 0;padding:0;list-style:none;display:grid}.consumer-journey li{border-top:.35rem solid var(--consumer-gold);background:#fff;min-width:0;padding:1rem}.consumer-section.trust{background:var(--consumer-ink);color:#fff;max-width:none}.consumer-section.trust a{color:#f4cd82}.consumer-final{text-align:center}.consumer-final p{max-width:68ch;margin-left:auto;margin-right:auto}.consumer-two-column{grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(1.5rem,5vw,4rem);display:grid}.consumer-state-page{min-height:70vh}.consumer-state-page>p{max-width:68ch}.consumer-notice{background:var(--consumer-cream);border-left:.4rem solid var(--consumer-gold);padding:1rem}.consumer-location-surface{background:var(--consumer-cream);border:1px solid #b8c5d4;border-radius:1rem;max-width:76rem;margin:clamp(1rem,3vw,2rem) auto;padding:clamp(1rem,3vw,2rem)}.consumer-location-surface h2{margin-block:0 .6rem}.consumer-location-surface>p{max-width:72ch}.consumer-location-grid{grid-template-columns:repeat(auto-fit,minmax(min(100%,16rem),1fr));gap:1rem;margin-block:1rem;display:grid}.consumer-location-grid article{background:var(--consumer-paper);border-left:.3rem solid var(--consumer-gold);border-radius:.35rem;padding:1rem}.consumer-location-grid h3{margin:0 0 .45rem}.consumer-location-grid address{font-style:normal;font-weight:700;line-height:1.5}.consumer-location-limit{color:var(--consumer-muted);border-top:1px solid #9aa8b8;margin-bottom:0;padding-top:.85rem;font-size:.9375rem}.consumer-owner-contact,.consumer-owner-service,.consumer-owner-carriers,.consumer-owner-promotion{max-width:76rem;margin-inline:auto}.consumer-owner-contact{background:#fff;border:1px solid #b8c5d4;border-radius:1rem;margin-block:clamp(1rem,3vw,2rem);padding:clamp(1rem,3vw,2rem)}.consumer-owner-contact-list{grid-template-columns:repeat(2,minmax(0,1fr));gap:.75rem;margin:0;display:grid}.consumer-owner-contact-list>div{background:var(--consumer-cream);border-left:.3rem solid var(--consumer-gold);padding:.85rem 1rem}.consumer-owner-contact-list dt{font-weight:900}.consumer-owner-contact-list dd{overflow-wrap:anywhere;margin:.2rem 0 0}.consumer-owner-service-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;display:grid}.consumer-owner-service-grid article{border:1px solid #9aa8b8;border-radius:.5rem;padding:1rem}.consumer-previsit-warning{background:#fff6df;border-left:.4rem solid #8a5a00!important}.consumer-owner-carriers,.consumer-owner-promotion{border-block:1px solid #b8c5d4}.consumer-static-intake{background:var(--consumer-cream);border:2px solid #697586;margin:2rem 0;padding:clamp(1rem,4vw,2rem)}.consumer-static-intake fieldset{border:0;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem;margin:1.5rem 0;padding:0;display:grid}.consumer-static-intake label{gap:.4rem;font-weight:800;display:grid}.consumer-static-intake input{color:#293544;background:#e4e7eb;border:2px solid #697586;width:100%;min-height:3rem}.consumer-static-intake .consumer-consent{grid-column:1/-1;align-items:start;display:flex}.consumer-static-intake .consumer-consent input{flex:0 0 1.25rem;width:1.25rem;min-height:1.25rem}.consumer-state-grid,.consumer-review-grid dl{grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem;display:grid}.consumer-state-grid article,.consumer-review-grid dl>div{border:1px solid #8c98a6;padding:1rem}.consumer-review-grid{margin-top:2rem}.consumer-review-grid dt{font-weight:900}.consumer-review-grid dd{margin:.25rem 0 0}.consumer-section.trust dl{color:#fff}.consumer-footer{background:var(--consumer-ink);color:#fff;gap:.5rem;padding:2rem clamp(1rem,6vw,5rem);display:grid}.consumer-footer .consumer-location-surface{background:0 0;border-color:#64748b;max-width:none;margin:0 0 1.5rem;padding:0 0 1.5rem}.consumer-footer .consumer-owner-contact{background:0 0;border:0;border-top:1px solid #64748b;border-radius:0;max-width:none;margin:0;padding:1.5rem 0}.consumer-footer .consumer-owner-contact-list>div{background:#1f2a35}.consumer-footer .consumer-owner-contact h2,.consumer-footer .consumer-owner-contact dt,.consumer-footer .consumer-owner-contact dd,.consumer-footer .consumer-owner-contact p{color:#fff}.consumer-footer .consumer-location-grid article{border-color:var(--consumer-gold);background:#1f2a35}.consumer-footer .consumer-location-surface h2,.consumer-footer .consumer-location-surface h3,.consumer-footer .consumer-location-surface address,.consumer-footer .consumer-location-surface p{color:#fff}.consumer-footer p{margin:0}.consumer-footer a,.consumer-footer a:visited{color:#f0c36b}.consumer-legal-page{max-width:76rem}.consumer-legal-page h2{margin-top:2.25rem;font-size:clamp(1.4rem,3vw,2.1rem)}.consumer-operational-next{background:var(--consumer-cream);border-left:.35rem solid var(--consumer-gold);margin:2rem 0;padding:clamp(1rem,3vw,2rem)}.consumer-operational-next li{margin-block:.65rem}@media (width<=980px){.consumer-card-grid,.consumer-proposition-grid,.consumer-faq-grid,.consumer-pill-grid,.consumer-journey ol{grid-template-columns:repeat(2,minmax(0,1fr))}.consumer-hero,.consumer-module-hero,.consumer-owner-service-grid{grid-template-columns:1fr}}@media (width<=620px){.consumer-candidate{--consumer-sticky-header-clearance:1rem}.consumer-header{flex-direction:row;align-items:center;min-height:0;position:static}.consumer-header .consumer-desktop-nav{display:none}.consumer-mobile-menu{display:block}.consumer-mobile-menu nav{background:var(--consumer-ink);z-index:20;border:1px solid #64748b;flex-direction:column;align-items:stretch;min-width:min(18rem,100vw - 2rem);padding:.75rem;display:flex;position:absolute;top:calc(100% + .5rem);right:0}.consumer-mobile-menu nav a{padding:.65rem}.consumer-brand-stack{max-width:100%}.consumer-brand-operational span{font-size:clamp(.72rem,3.2vw,.9rem)}.consumer-operational-logo{flex-basis:2.4rem;block-size:2.4rem;inline-size:2.4rem}.consumer-card-grid,.consumer-learning-grid,.consumer-proposition-grid,.consumer-faq-grid,.consumer-pill-grid,.consumer-process,.consumer-journey ol,.consumer-two-column,.consumer-static-intake fieldset,.consumer-state-grid,.consumer-review-grid dl,.consumer-owner-contact-list{grid-template-columns:1fr}}@media (width<=320px){.consumer-header,.consumer-hero,.consumer-module-hero,.consumer-section,.consumer-final,.consumer-state-page,.consumer-footer{padding-left:.75rem;padding-right:.75rem}.consumer-actions,.consumer-button{width:100%}.consumer-location-surface,.consumer-owner-contact{border-radius:.65rem;padding:.875rem}}@media (forced-colors:active){.consumer-card-grid article,.consumer-proposition-grid>p,.consumer-faq-grid details,.consumer-pill-grid>p,.consumer-status-card,.consumer-notice,.consumer-location-surface,.consumer-location-grid article,.consumer-owner-contact,.consumer-owner-contact-list>div,.consumer-owner-service-grid article,.consumer-button,.consumer-table-wrap th,.consumer-table-wrap td{forced-color-adjust:auto;border-color:canvastext}}.held-review,.held-review-topbar,.held-review-footer{color:#17233c;background:#f4f7fb;font-family:Arial,Helvetica,sans-serif}.held-review{min-height:100svh;padding:clamp(.75rem,3vw,2rem);overflow-x:clip}.held-review:focus-visible{outline-offset:-6px;outline:3px solid #0b5fff}.held-review-topbar,.held-review-footer{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:.75rem 1.5rem;padding:.75rem clamp(1rem,4vw,3rem);display:flex}.held-review-topbar{color:#fff;background:#17233c}.held-review-topbar p,.held-review-footer p{margin:0}.held-review-hero,.held-review-section{background:#fff;border:2px solid #17233c;border-radius:1rem;max-width:78rem;margin:0 auto 1rem;padding:clamp(1rem,4vw,3rem)}.held-review-hero{background:linear-gradient(140deg,#fff 60%,#e8eef8)}.held-review h1{color:#17233c;overflow-wrap:anywhere;max-width:18ch;margin:.4rem 0 1rem;font-size:clamp(2rem,7vw,4.75rem);line-height:1.02}.held-review h2{color:#17233c;margin:0 0 1rem;font:800 clamp(1.45rem,4vw,2.5rem)/1.15 Arial,Helvetica,sans-serif}.held-review h3{color:#17233c;margin:0 0 .55rem;font:800 1.15rem/1.3 Arial,Helvetica,sans-serif}.held-review p,.held-review li,.held-review td,.held-review th{overflow-wrap:anywhere;line-height:1.6}.held-review a{color:#064da8;text-underline-offset:.2em;font-weight:750}.held-review a:visited{color:#593b91}.held-review a:focus-visible,.held-review summary:focus-visible,.held-review-table-wrap:focus-visible,.held-review-topbar a:focus-visible,.held-review-footer a:focus-visible{outline-offset:4px;outline:3px solid #0b5fff}.held-review-kicker{color:#5c3d0a;letter-spacing:.12em;font-size:.8rem;font-weight:900}.held-review-lead{color:#263750;max-width:72ch;font-size:clamp(1.05rem,2vw,1.3rem)}.held-review-alert{background:#fff4df;border-left:.4rem solid #6f4b0d;max-width:72ch;padding:.9rem 1rem;font-weight:750}.held-review-badge,.held-review-state{color:#17233c;background:#e8eef8;border:1px solid #66738a;border-radius:999px;padding:.2rem .55rem;font-size:.8rem;font-weight:800;display:inline-block}.held-review-topbar .held-review-badge{background:#fff}.held-review-actions,.held-module-grid,.held-two-column{grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem;margin-top:1.5rem;display:grid}.held-review-actions span,.held-review-action{color:#263750;text-align:center;background:#e8eef8;border:2px solid #66738a;justify-content:center;align-items:center;min-height:3rem;padding:.75rem 1rem;font-weight:800;display:flex}.held-module-grid{grid-template-columns:repeat(4,minmax(0,1fr))}.held-module-grid article,.held-proposition{border:1px solid #66738a;border-radius:.6rem;padding:1rem}.held-proposition.danger{background:#fff4df;border-color:#6f4b0d}.held-review-table-wrap{max-width:100%;overflow-x:auto}.held-review table{border-collapse:collapse;width:100%;min-width:42rem}.held-review caption{color:#263750;text-align:left;padding:0 0 .75rem;font-weight:750}.held-review th,.held-review td{text-align:left;vertical-align:top;border:1px solid #66738a;padding:.7rem}.held-review thead th{background:#e8eef8}.held-review-faq details{border-top:1px solid #66738a;padding:.75rem 0}.held-review-faq details:last-child{border-bottom:1px solid #66738a}.held-review-faq summary{color:#17233c;cursor:pointer;padding:.5rem;font-weight:800}.held-review-faq details>p{padding:0 .5rem}.held-state-machine{grid-template-columns:repeat(5,minmax(0,1fr));gap:.75rem;margin:1rem 0;padding:0;list-style:none;display:grid}.held-state-machine li{border:1px solid #66738a;align-content:start;gap:.35rem;padding:.75rem;display:grid}.held-state-machine li>span:first-child{color:#fff;background:#17233c;border-radius:50%;justify-content:center;align-items:center;width:2rem;height:2rem;font-weight:800;display:flex}.held-semantic-links{grid-template-columns:repeat(2,minmax(0,1fr));gap:.75rem;margin:0;padding:0;list-style:none;display:grid}.held-semantic-links li{border-left:.35rem solid #66738a;gap:.25rem;padding:.6rem .8rem;display:grid}.held-semantic-links small{color:#4b5b73}.held-review-source-list{columns:2 20rem}.held-review-footer{color:#fff;background:#17233c}@media (width<=900px){.held-module-grid,.held-state-machine{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (width<=560px){.held-review-actions,.held-module-grid,.held-two-column,.held-semantic-links,.held-state-machine{grid-template-columns:1fr}.held-review-source-list{columns:1}}@media (width<=320px){.held-review{padding:.4rem}.held-review-topbar,.held-review-footer{padding:.75rem}.held-review-hero,.held-review-section{border-radius:.5rem;padding:.85rem}}@media (forced-colors:active){.held-review-hero,.held-review-section,.held-module-grid article,.held-proposition,.held-review-actions span,.held-review-action,.held-review th,.held-review td,.held-state-machine li,.held-semantic-links li{forced-color-adjust:auto;border-color:canvastext}}
