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:root{--navy:#172b42;--navy-2:#223b57;--muted:#3f566b;--blue:#6babd2;--blue-light:#a7d2ed;--blue-tint:#e7f2f9;--blue-ink:#1d6592;--gold:#c8a24a;--gold-hover:#d6b45e;--gold-ink:#7a5a22;--paper:#fff;--mist:#f3f8fc;--line:#d3e1ec;--slate:#64879f;--gold-deep:var(--gold-ink);--gold-bright:var(--gold);--sand:#e9dfcc;--on-navy:#3f566b;--navy-line:#d3e1ec;--display:var(--font-display),"Segoe UI",Helvetica,Arial,sans-serif;--body:var(--font-body),"Segoe UI",Helvetica,Arial,sans-serif;--r:6px}*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}body{background:var(--paper);color:var(--navy);font:400 17px/1.65 var(--body);-webkit-font-smoothing:antialiased;margin:0}h1,h2,h3,p,ul,ol{margin:0}ul,ol{padding:0;list-style:none}a{color:inherit}img{max-width:100%;height:auto;display:block}:focus-visible{outline:3px solid var(--navy);outline-offset:3px;box-shadow:0 0 0 6px #fff}.navy :focus-visible{outline-color:var(--navy);box-shadow:0 0 0 6px var(--blue-light)}.band.navy .btn-primary{background:var(--navy);border-color:var(--navy);color:#fff}.band.navy .btn-primary:hover{background:var(--navy-2);border-color:var(--navy-2)}.skip{z-index:70;background:var(--navy);color:#fff;font:700 .9rem var(--body);border-radius:var(--r);padding:12px 18px;position:absolute;top:8px;left:-9999px}.skip:focus{left:12px}.sr-only{clip:rect(0 0 0 0);white-space:nowrap;width:1px;height:1px;position:absolute;overflow:hidden}.wrap{max-width:1160px;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px));margin-inline:auto}@media 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24px;padding-block:10px;display:flex}.logo{line-height:0;display:block}.logo img{width:190px;height:auto}.main-nav{flex-wrap:wrap;gap:0 2px;margin-left:auto;display:flex}.main-nav a{min-height:44px;font:600 .95rem var(--body);color:var(--muted);border-bottom:3px solid #0000;align-items:center;padding:0 12px;text-decoration:none;display:inline-flex}.main-nav a:hover{color:var(--navy)}.main-nav a[aria-current=page]{color:var(--navy);border-bottom-color:var(--gold)}@media (max-width:760px){.main-nav{order:3;gap:0;width:100%;margin-left:-6px}.main-nav a{padding:0 6px;font-size:.86rem}.logo img{width:156px}}.btn{border:2px solid var(--navy);border-radius:var(--r);min-height:50px;font:700 .98rem var(--display);letter-spacing:.005em;cursor:pointer;text-align:center;justify-content:center;align-items:center;padding:0 26px;text-decoration:none;transition:background .15s,color .15s,border-color .15s;display:inline-flex}.btn-primary{background:var(--gold);color:var(--navy);border-color:var(--gold)}.btn-primary:hover{background:var(--gold-hover);border-color:var(--gold-hover)}.btn-ghost{color:var(--navy);background:0 0}.btn-ghost:hover{background:var(--navy);color:#fff}.btn-gold{background:var(--gold-bright);border-color:var(--gold-bright);color:var(--navy)}.btn-gold:hover{background:#fff;border-color:#fff}.btn-line{color:#fff;background:0 0;border-color:#fff}.btn-line:hover{color:var(--navy);background:#fff}.cta-row{flex-wrap:wrap;gap:14px;margin-top:32px;display:flex}.hero{padding-block:clamp(40px,7vw,88px)}.hero-grid{grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);align-items:center;gap:clamp(32px,6vw,80px);display:grid}@media (max-width:900px){.hero-grid{grid-template-columns:minmax(0,1fr)}}.hero h1{max-width:14ch;margin:18px 0 22px}.hero.slim h1{max-width:18ch}.example{border:1px solid var(--line);background:#fff;border-radius:8px;box-shadow:0 18px 40px -26px #071e3166}.example .label{border-bottom:1px solid var(--line);background:var(--mist);border-radius:8px 8px 0 0;padding:18px 24px;display:block}.ticks{padding:6px 24px 10px}.ticks li{border-bottom:1px solid var(--line);align-items:flex-start;gap:14px;padding:14px 0;line-height:1.4;display:flex}.ticks li:last-child{border-bottom:0}.ticks svg{width:20px;height:20px;color:var(--blue-ink);flex:none;margin-top:1px}.facts{background:var(--blue-tint);color:var(--navy);border-block:1px solid var(--line)}.facts-grid{grid-template-columns:repeat(3,minmax(0,1fr));display:grid}.facts-grid>div{padding:28px 28px 30px 0}@media (min-width:761px){.facts-grid>div+div{border-left:1px solid var(--line);padding-left:28px}}@media (max-width:760px){.facts-grid{grid-template-columns:minmax(0,1fr)}.facts-grid>div{border-bottom:1px solid var(--line);padding:20px 0}.facts-grid>div:last-child{border-bottom:0}}.fact-h{font:700 1.05rem var(--display);color:var(--navy);margin-bottom:6px}.facts p{color:var(--muted);font-size:.98rem}.band{padding-block:clamp(56px,8vw,96px)}.band.mist{background:var(--mist)}.band.navy{background:var(--blue-light);color:var(--navy)}.band.navy h2,.band.navy h3,.band.navy .lede,.band.navy .label{color:var(--navy)}.head-block{gap:14px;margin-bottom:clamp(32px,5vw,52px);display:grid}.head-block h2{max-width:20ch}.split{grid-template-columns:minmax(0,.9fr) minmax(0,1.3fr);align-items:start;gap:clamp(28px,6vw,80px);display:grid}@media (max-width:860px){.split{grid-template-columns:minmax(0,1fr)}}.split h2{max-width:14ch;margin-top:14px}.rows{border-top:2px solid var(--navy)}.rows li{border-bottom:1px solid var(--line);color:var(--muted);padding:22px 0;font-size:1.1rem;line-height:1.5}.rows li strong{color:var(--navy);font-family:var(--display);font-weight:700}.cards{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;display:grid}@media (max-width:760px){.cards{grid-template-columns:minmax(0,1fr)}}.card{border:1px solid var(--line);background:#fff;border-radius:8px;padding:30px 30px 32px}.card h3{margin-bottom:12px;font-size:1.35rem}.dots li{padding:8px 0 8px 24px;line-height:1.45;position:relative}.dots li:before{content:"";background:var(--gold);width:8px;height:8px;position:absolute;top:1.15em;left:2px;transform:rotate(45deg)}.trio{border-top:2px solid var(--navy);grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(24px,4vw,48px);padding-top:30px;display:grid}@media (max-width:820px){.trio{grid-template-columns:minmax(0,1fr)}}.trio h3{margin-bottom:10px;font-size:1.25rem}.trio p{color:var(--muted)}.steps{grid-template-columns:repeat(4,minmax(0,1fr));gap:clamp(22px,3vw,40px);display:grid}@media (max-width:960px){.steps{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:560px){.steps{grid-template-columns:minmax(0,1fr)}}.step{border-top:2px solid var(--navy);padding-top:22px}.step .n{font:800 2.3rem/1 var(--display);letter-spacing:-.04em;color:var(--blue-ink);font-variant-numeric:tabular-nums;margin-bottom:14px;display:block}.step h3{margin-bottom:8px}.step p{color:var(--muted);font-size:1rem}.longsteps{border-top:2px solid var(--navy)}.lstep{border-bottom:1px solid var(--line);grid-template-columns:96px minmax(0,1fr);gap:clamp(16px,4vw,48px);padding-block:clamp(28px,4vw,44px);display:grid}@media (max-width:620px){.lstep{grid-template-columns:minmax(0,1fr);gap:8px}}.lstep .n{font:800 3rem/1 var(--display);letter-spacing:-.04em;color:var(--blue-ink);font-variant-numeric:tabular-nums}.lstep h2{margin-bottom:10px;font-size:clamp(1.5rem,3vw,2rem)}.lstep p{color:var(--muted);font-size:1.08rem}.lstep p+p{margin-top:10px}.nots{border-top:2px solid var(--navy);grid-template-columns:repeat(2,minmax(0,1fr));gap:0 56px;display:grid}@media (max-width:760px){.nots{grid-template-columns:minmax(0,1fr)}}.not{border-bottom:1px solid var(--line);padding:22px 0}.not h3{margin-bottom:6px;font-size:1.08rem}.not p{color:var(--muted);font-size:1rem}.note{border:1px solid var(--line);color:var(--muted);background:#fff;border-radius:8px;max-width:72ch;margin-top:30px;padding:22px 26px;font-size:.98rem}.svc{border-top:2px solid var(--navy);grid-template-columns:minmax(0,.8fr) minmax(0,1.4fr);gap:clamp(20px,5vw,72px);padding-block:clamp(30px,4vw,46px);display:grid}@media (max-width:820px){.svc{grid-template-columns:minmax(0,1fr);gap:12px}}.svc h2{font-size:clamp(1.6rem,3vw,2.1rem)}.svc .dots li{padding-block:11px;font-size:1.08rem}.pair{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;display:grid}@media (max-width:760px){.pair{grid-template-columns:minmax(0,1fr)}}.pill{border:1px solid var(--navy);font:600 .82rem var(--body);border-radius:999px;margin-top:14px;padding:6px 14px;display:inline-block}.tagline{font:700 1.02rem var(--display);color:var(--gold-deep);margin-bottom:14px}.faq{border-top:2px solid var(--navy)}.faq details{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;font:700 1.08rem/1.35 var(--display);color:var(--navy);min-height:44px;padding:20px 44px 20px 0;list-style:none;position:relative}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";font:500 1.6rem/1 var(--body);color:var(--gold-deep);position:absolute;top:16px;right:6px}.faq details[open] summary:after{content:"−"}.faq .a{color:var(--muted);max-width:64ch;padding:0 0 24px}.consult{grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);align-items:start;gap:clamp(28px,6vw,72px);display:grid}@media (max-width:860px){.consult{grid-template-columns:minmax(0,1fr)}}.panel{border:2px solid var(--navy);background:#fff;border-radius:8px;padding:30px}.panel.pending{border-style:dashed}.panel h2{margin-bottom:12px;font-size:1.5rem}.panel .btn{margin-top:14px}.crow{border-top:1px solid var(--line);flex-wrap:wrap;align-items:center;gap:8px 14px;padding:16px 0;display:flex}.crow .k{font:700 .76rem var(--body);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-deep);flex:0 0 64px}.crow .v{overflow-wrap:anywhere;-webkit-user-select:all;user-select:all;flex:180px;font-weight:600}.crow a{font-weight:600}.copy{border:1.5px solid var(--navy);border-radius:var(--r);min-height:44px;color:var(--navy);font:600 .9rem var(--body);cursor:pointer;background:#fff;padding:0 16px}.copy:hover{background:var(--navy);color:#fff}.checklist li{border-bottom:1px solid var(--line);padding:10px 0 10px 24px;position:relative}.checklist li:before{content:"";background:var(--gold);width:8px;height:8px;position:absolute;top:1.2em;left:2px;transform:rotate(45deg)}.site-foot{background:var(--mist);border-top:1px solid var(--line);padding-block:48px 36px}.foot-grid{grid-template-columns:minmax(0,1.3fr) minmax(0,.7fr) minmax(0,1fr);gap:36px;display:grid}@media (max-width:820px){.foot-grid{grid-template-columns:minmax(0,1fr)}}.foot-logo img{width:min(100%,380px);height:auto}.foot-tag{font:700 1rem var(--display);color:var(--navy);margin-top:14px}.foot-h{font:700 .76rem var(--body);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:10px}.foot-links a{padding:6px 0;font-weight:600;text-decoration:none;display:inline-block}.foot-links a:hover{text-decoration:underline}.foot-contact li{overflow-wrap:anywhere;padding:4px 0}.legal{border-top:1px solid var(--line);color:var(--muted);max-width:90ch;margin-top:36px;padding-top:22px;font-size:.9rem}.cards.three{grid-template-columns:repeat(3,minmax(0,1fr))}@media (max-width:1000px){.cards.three{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:700px){.cards.three{grid-template-columns:minmax(0,1fr)}}.card h3 a{text-decoration:none}.card h3 a:hover,.svc h2 a:hover{text-underline-offset:4px;text-decoration:underline}.svc h2 a{text-decoration:none}.more{color:var(--navy);text-underline-offset:4px;min-height:24px;margin-top:14px;font-weight:700;display:inline-block}.crumbs{color:var(--muted);margin-bottom:18px;font-size:.92rem}.crumbs a{color:var(--muted)}.crumbs [aria-current]{color:var(--navy);font-weight:600}.twocol{border-top:2px solid var(--navy);grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(24px,5vw,72px);padding-top:clamp(28px,4vw,44px);display:grid}@media (max-width:820px){.twocol{grid-template-columns:minmax(0,1fr)}}.twocol h2{margin-bottom:12px;font-size:clamp(1.5rem,3vw,2rem)}.related{border-top:2px solid var(--navy)}.related li{border-bottom:1px solid var(--line);grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);align-items:baseline;gap:8px 24px;padding:18px 0;display:grid}@media (max-width:700px){.related li{grid-template-columns:minmax(0,1fr)}}.related a{font:700 1.1rem var(--display);color:var(--navy);text-underline-offset:4px}.form{gap:18px;display:grid}.field{gap:6px;display:grid}.field label{font:700 .95rem var(--body);color:var(--navy)}.field .opt{color:var(--muted);font-weight:500}.input{border-radius:var(--r);width:100%;min-height:50px;color:var(--navy);font:400 1rem/1.4 var(--body);background:#fff;border:1.5px solid #6b7f92;padding:12px 14px}textarea.input{resize:vertical;min-height:150px}.input:focus-visible{outline:3px solid var(--navy);outline-offset:2px;box-shadow:none;border-color:var(--navy)}.input[aria-invalid=true]{border-color:#a32020}.err{color:#a32020;font:600 .92rem/1.4 var(--body)}.check{align-items:flex-start;gap:12px;display:flex}.check input{width:22px;height:22px;accent-color:var(--navy);flex:none;margin-top:2px}.check label{font-weight:500}.hp{width:1px;height:1px;position:absolute;left:-10000px;overflow:hidden}.status{min-height:1.5em;font-size:.95rem}button.btn:disabled{opacity:.6;cursor:progress}.subhead{font:700 clamp(1.15rem,2vw,1.5rem)/1.3 var(--display);color:var(--blue-ink);margin:0 0 18px}.hero h1{margin-bottom:14px}.hero .lede,.head-block .lede{margin-top:0}.hero-grid h1{max-width:none;font-size:clamp(2.3rem,4.4vw,3.45rem)}.h1-line{display:inline}@media (min-width:760px){.h1-line{display:block}}