:root{--navy:#092943;--navy2:#051e33;--orange:#ff711b;--text:#122c40;--muted:#607181}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;color:var(--text);line-height:1.65;-webkit-font-smoothing:antialiased}a{color:inherit}a:focus-visible{outline:3px solid #f89138;outline-offset:3px}.wrap{width:min(1120px,calc(100% - 44px));margin:0 auto}.top{background:var(--navy2);color:#fff;min-height:74px;display:flex;align-items:center}.nav{display:flex;align-items:center;justify-content:space-between;gap:22px;padding:12px 0}.brand{display:flex;align-items:center;gap:11px;color:#fff;text-decoration:none;font-weight:850;font-size:20px;line-height:1.1}.brand img{width:43px;height:43px;object-fit:cover;border-radius:9px}.brand small{display:block;font-weight:500;font-size:12px;color:#b5cfe0;margin-top:5px}.nav-choices{display:flex;gap:22px;align-items:center;font-size:14px;font-weight:700}.nav-choices a{text-decoration:none}.nav-choices a:hover{text-decoration:underline}.nav-choices .nav-cta{background:var(--orange);color:white;padding:10px 16px;border-radius:9px}.hero{background:linear-gradient(130deg,#051e33,#113f60);color:#fff;padding:63px 0 59px}.breadcrumbs{font-size:13px;color:#b8cedf;margin-bottom:26px}.breadcrumbs a{color:#dfeefb}.eyebrow{text-transform:uppercase;font-size:12px;letter-spacing:2px;color:#ffaf73;font-weight:850}.hero h1{max-width:900px;font-size:clamp(34px,4.5vw,54px);letter-spacing:-1.6px;line-height:1.13;margin:13px 0 21px}.hero .lead{font-size:clamp(16px,1.7vw,19px);max-width:830px;color:#e0edf6;line-height:1.65;margin:0}.cta-wrap{display:flex;flex-wrap:wrap;gap:12px;margin-top:29px}.cta{display:inline-flex;justify-content:center;align-items:center;min-height:48px;padding:12px 19px;border-radius:10px;font-weight:800;text-decoration:none}.cta-orange{background:var(--orange);color:#fff}.cta-outline{border:1px solid #a5bdcb;color:white}.main{padding:48px 0 74px}.main-grid{display:grid;grid-template-columns:minmax(0,1fr) 260px;gap:50px}.content section{padding:4px 0 27px;border-bottom:1px solid #e6edf1;margin-bottom:25px}.content h2{font-size:clamp(24px,2.2vw,29px);letter-spacing:-.6px;color:#0d2e46;line-height:1.2;margin:12px 0 17px}.content p{color:#41586a;font-size:16px;margin:0 0 17px}.content strong{color:#18354b}.small-pill{display:inline-block;color:#aa480a;background:#fff3e9;border-radius:999px;padding:5px 11px;font-size:12px;font-weight:800}.sidebar{align-self:start;position:sticky;top:22px;background:#f4f8fb;border:1px solid #e0eaf1;border-radius:15px;padding:25px}.sidebar h2{font-size:20px;line-height:1.2;margin:0 0 12px;color:#112f44}.sidebar p{font-size:14px;color:#576b7a;margin:0 0 18px}.sidebar a{display:block;text-align:center;margin:12px 0 0;padding:11px 10px;background:var(--orange);border-radius:8px;color:white;font-size:14px;font-weight:800;text-decoration:none}.sidebar a.secondary{background:white;color:#123d58;border:1px solid #ccdce6}.faq{border-bottom:0!important}.faq h3{font-size:18px;color:#12364f;margin:22px 0 8px}.faq p{font-size:15px}.callout{background:#fff7ee;border-left:4px solid var(--orange);padding:20px 24px;margin:30px 0 12px;border-radius:0 12px 12px 0}.callout p{margin:0 0 13px}.callout .cta{font-size:14px;min-height:43px}.related{background:#f5f8fb;padding:36px 0}.related h2{margin:0 0 18px;font-size:24px}.related-links{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:13px}.related-links a{background:white;border-radius:11px;padding:16px 20px;border:1px solid #e6edf1;text-decoration:none;font-weight:800;color:#143650}.related-links a:hover{border-color:var(--orange)}.footer{background:#051e33;color:#d6e7f3;padding:31px 0}.footer-inner{display:flex;justify-content:space-between;gap:22px;font-size:13px}.footer-inner a{color:#d6e7f3}.footer-inner strong{display:block;color:white;font-size:17px;margin-bottom:5px}.footer-links{display:flex;gap:13px;flex-wrap:wrap}.footer-links a{text-decoration:underline;text-underline-offset:3px}
@media(max-width:820px){.main-grid{grid-template-columns:1fr;gap:20px}.sidebar{position:static}.nav-choices a:nth-child(2){display:none}}
@media(max-width:560px){.wrap{width:min(100% - 30px,1120px)}.top{min-height:65px}.brand{font-size:17px}.brand img{width:36px;height:36px}.nav-choices{gap:10px;font-size:12px}.nav-choices a:first-child{display:none}.nav-choices .nav-cta{padding:10px 12px}.hero{padding:38px 0 42px}.breadcrumbs{margin-bottom:20px}.hero h1{font-size:36px}.cta-wrap{display:grid;grid-template-columns:1fr}.main{padding:34px 0}.related-links{grid-template-columns:1fr}.footer-inner{flex-direction:column;gap:15px}.content p{font-size:15px}}