@font-face{font-family:Inter;font-style:normal;font-weight:100 900;font-display:swap;src:url(/assets/inter.woff2) format("woff2-variations"),url(/assets/inter.woff2) format("woff2")}
:root{--ink:#0b1b2e;--txt:#243247;--mut:#4a5a70;--line:#dfe6ee;--bg:#fff;--soft:#f5f8fb;--brand:#0a2540;--brand2:#123a63;--btn:#2ee6a6;--btn2:#1fcf94;--btn-ink:#04251c;--link:#0a6b52;--link2:#084c3b;--tint:#eef8f5;--tint2:#e7f0fb;--g1:#2ee6a6;--g2:#3b82f6;--g3:#7c5cff;--err:#b42318;--r:16px;--w:1160px;--sh:0 1px 2px #0a254012,0 8px 24px #0a254014;--sh2:0 2px 4px #0a25401a,0 24px 60px #0a254033;--f:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font:17px/1.65 var(--f);color:var(--txt);background:var(--bg);-webkit-font-smoothing:antialiased;font-feature-settings:"cv11","ss01"}
img,svg{max-width:100%}svg.i{flex:none;vertical-align:middle}a{color:var(--link);text-underline-offset:3px}a:hover{color:var(--link2)}
:focus-visible{outline:3px solid var(--g2);outline-offset:2px;border-radius:6px}
.w{max-width:var(--w);margin:0 auto;padding:0 22px}.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:99}.skip:focus{left:8px;top:8px}
h1,h2,h3,h4{color:var(--ink);font-family:var(--f);line-height:1.15;letter-spacing:-.025em;font-weight:800}
h1{font-size:clamp(32px,5.2vw,56px);margin:.25em 0 .4em}h2{font-size:clamp(25px,3.2vw,36px);margin:1.8em 0 .5em;scroll-margin-top:90px}h3{font-size:19px;margin:1.3em 0 .35em;letter-spacing:-.015em}
.dark,.dark h1,.dark h2,.dark h3,.dark h4{color:#fff}.dark{color:#d6e2f2}.dark a{color:#fff}.dark a.btn{color:var(--btn-ink)}.dark a.btn.ghostl{color:#fff}
.top{background:var(--brand);color:#dbe7f5;font-size:12.5px}.top .w{display:flex;justify-content:space-between;gap:12px;padding-top:7px;padding-bottom:7px;flex-wrap:wrap}.top a{color:#fff}
.hd{position:sticky;top:0;background:#ffffffeb;-webkit-backdrop-filter:saturate(1.6) blur(14px);backdrop-filter:saturate(1.6) blur(14px);border-bottom:1px solid var(--line);z-index:40}.hd .w{display:flex;align-items:center;gap:22px;min-height:68px}
.brand{display:flex;flex-direction:column;line-height:1.1}.bn{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}.wm{font-weight:800;font-size:21px;letter-spacing:-.04em;color:var(--brand)}.wm em{font-style:normal;color:var(--link)}.mk{border-radius:50%;flex:none;display:block}
.nav{display:flex;gap:6px;margin-left:auto}.nav a{color:var(--ink);text-decoration:none;font-size:15px;font-weight:600;padding:8px 12px;border-radius:10px}.nav a:hover{background:var(--soft);color:var(--link)}.nav a[aria-current]{color:var(--link);background:var(--tint)}
.mnav{display:none;margin-left:auto;position:relative}.mnav summary{list-style:none;cursor:pointer;padding:10px;border-radius:10px;color:var(--ink)}.mnav summary::-webkit-details-marker{display:none}.mnav nav{position:absolute;right:0;top:52px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:10px;display:grid;gap:2px;min-width:250px;box-shadow:var(--sh2)}.mnav nav a{padding:12px 14px;color:var(--ink);text-decoration:none;font-weight:600;border-radius:10px}.mnav nav a:hover{background:var(--soft)}.mnav nav .btn{margin-top:6px;color:var(--btn-ink)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--btn);color:var(--btn-ink);border:0;border-radius:12px;padding:13px 22px;font:inherit;font-weight:750;text-decoration:none;cursor:pointer;min-height:48px;box-shadow:0 1px 0 #ffffff55 inset,0 8px 20px -8px var(--btn);transition:transform .15s,box-shadow .15s,background .15s}.btn:hover{background:var(--btn2);color:var(--btn-ink);transform:translateY(-1px)}.btn:active{transform:none}.btn.sm{padding:9px 16px;min-height:42px;font-size:15px}.btn.lg{font-size:17.5px;padding:16px 28px;min-height:56px}.btn.block{width:100%}
.btn.ghost{background:#fff;color:var(--link);border:1.5px solid var(--line);box-shadow:none}.btn.ghost:hover{background:var(--tint);border-color:var(--link);color:var(--link2)}.btn.ghostl{background:#ffffff14;color:#fff;border:1.5px solid #ffffff55;box-shadow:none;-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px)}.btn.ghostl:hover{background:#ffffff26;color:#fff}
.mesh{position:absolute;inset:0;overflow:hidden;pointer-events:none}.mesh i{position:absolute;width:64vmax;height:64vmax;border-radius:50%;opacity:var(--mo,.38);will-change:transform;animation:drift 24s ease-in-out infinite alternate}.mesh i:nth-child(1){left:-18vmax;top:-30vmax;background:radial-gradient(circle,var(--g1),transparent 62%)}.mesh i:nth-child(2){right:-22vmax;top:-12vmax;background:radial-gradient(circle,var(--g2),transparent 62%);animation-duration:30s;animation-direction:alternate-reverse}.mesh i:nth-child(3){left:20%;bottom:-40vmax;background:radial-gradient(circle,var(--g3),transparent 62%);animation-duration:36s;opacity:.3}
.mesh.light i{opacity:.16}
@keyframes drift{from{transform:translate3d(0,0,0) scale(1)}to{transform:translate3d(6vmax,4vmax,0) scale(1.15)}}
@keyframes up{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
@keyframes fill{0%{width:0}60%,100%{width:100%}}@keyframes dash{to{stroke-dashoffset:-28}}@keyframes pulse{0%{box-shadow:0 0 0 0 #2ee6a688}100%{box-shadow:0 0 0 12px #2ee6a600}}
.hero{position:relative;overflow:hidden;background:linear-gradient(135deg,var(--brand) 0,var(--brand2) 100%);padding:64px 0 76px}.hero:before{content:"";position:absolute;inset:0;background-image:radial-gradient(#ffffff17 1px,transparent 1px);background-size:28px 28px;-webkit-mask-image:linear-gradient(180deg,#000,transparent 85%);mask-image:linear-gradient(180deg,#000,transparent 85%)}
.hdeco{position:absolute;right:-120px;top:-100px;width:640px;color:#ffffff30;pointer-events:none}.hgrid{position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.hcopy>*{animation:up .7s both}.hcopy>*:nth-child(2){animation-delay:.05s}.hcopy>*:nth-child(3){animation-delay:.1s}.hcopy>*:nth-child(4){animation-delay:.15s}.hcopy>*:nth-child(5){animation-delay:.2s}.hcopy>*:nth-child(6){animation-delay:.25s}.hcard{animation:up .8s .15s both}
.hero h1{font-size:clamp(34px,5.4vw,60px);margin:.15em 0 .35em;letter-spacing:-.035em}.kicker{display:inline-block;font-size:12.5px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--link);background:var(--tint);border-radius:999px;padding:5px 12px}.dark .kicker{color:#fff;background:#ffffff1f;border:1px solid #ffffff30}
.lead{font-size:clamp(17px,1.7vw,20px);line-height:1.55;color:#e8f0fb;max-width:34em;margin:0 0 20px}
.hbul{list-style:none;padding:0;margin:0 0 26px;display:flex;flex-wrap:wrap;gap:10px}.hbul li{display:inline-flex;align-items:center;gap:7px;font-size:14.5px;font-weight:600;color:#fff;background:#ffffff17;border:1px solid #ffffff2b;border-radius:999px;padding:7px 14px 7px 10px;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px)}.hbul .i{color:var(--g1)}
.hbtn{display:flex;gap:12px;flex-wrap:wrap}.hflow{margin-top:34px;max-width:430px;padding:16px 18px;border-radius:18px;background:#ffffff12;border:1px solid #ffffff26;-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);display:grid;gap:12px}
.hf-row{display:grid;grid-template-columns:1fr 90px;align-items:center;gap:14px;font-size:14px;font-weight:600;color:#e6eefa}.hf-row span{display:flex;align-items:center;gap:9px}.hf-row .i{color:var(--g1)}.hf-row i{display:block;height:6px;border-radius:6px;background:#ffffff26;position:relative;overflow:hidden}.hf-row i:after{content:"";position:absolute;left:0;top:0;bottom:0;width:100%;border-radius:6px;background:linear-gradient(90deg,var(--g1),var(--g2));animation:fill 5s ease-in-out infinite}.hf-row:nth-child(2) i:after{animation-delay:.8s}.hf-row:nth-child(3) i:after{animation-delay:1.6s}
.gl2{background:#ffffffeb;-webkit-backdrop-filter:blur(20px) saturate(1.5);backdrop-filter:blur(20px) saturate(1.5);border:1px solid #fff;border-radius:24px;padding:26px;box-shadow:var(--sh2);color:var(--txt)}
.fx{display:grid;gap:14px}.fx label,.fx legend{font-size:14.5px;font-weight:700;color:var(--ink);padding:0}.fx legend span{font-weight:500;color:var(--mut)}.fx fieldset{border:0;margin:0;padding:0;min-width:0}.fx-h{display:flex;align-items:center;gap:9px;font-size:15px;color:var(--ink)}.fx-h em{margin-left:auto;font-style:normal;font-size:12.5px;color:var(--mut);font-weight:600}.fx-h .dot{width:10px;height:10px;border-radius:50%;background:var(--btn);animation:pulse 1.8s infinite}
.fx select,.lf select,.lf input[type=text],.lf input[type=email],.lf input[type=tel],.lf input[type=number],.finder input[type=search]{width:100%;font:inherit;font-size:16.5px;color:var(--ink);background:#fff;border:1.5px solid #cdd7e3;border-radius:12px;padding:12px 14px;min-height:52px;margin-top:6px}.fx select,.lf select{appearance:none;-webkit-appearance:none;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%23455' stroke-width='2.4' stroke-linecap='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E") no-repeat right 14px center;padding-right:42px}
.fx select:focus,.lf select:focus,.lf input:focus,.finder input:focus{outline:3px solid #3b82f655;border-color:var(--g2)}
.pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:8px}.pill{position:relative;margin:0!important;font-weight:600!important}.pill input{position:absolute;opacity:0;inset:0;width:100%;height:100%;margin:0;cursor:pointer}.pill span{display:block;padding:9px 15px;border:1.5px solid #cdd7e3;border-radius:999px;font-size:14.5px;background:#fff;transition:all .15s;color:var(--ink)}.pill:hover span{border-color:var(--link)}.pill input:checked+span{background:var(--brand);border-color:var(--brand);color:#fff}.pill input:focus-visible+span{outline:3px solid var(--g2);outline-offset:2px}
.tiny{font-size:12.8px;line-height:1.5;color:var(--mut);margin:4px 0 0}.ticks{list-style:none;padding:0;margin:14px 0 0;display:grid;gap:7px;font-size:14px}.ticks li{display:flex;gap:8px;align-items:flex-start;color:var(--txt)}.ticks .i{color:var(--link);margin-top:3px}
.takeaway{padding:30px 0 0}.ans{position:relative;background:linear-gradient(135deg,var(--tint),var(--tint2));border:1px solid var(--line);border-left:6px solid var(--link);border-radius:18px;padding:18px 22px;margin:22px 0}.ans .lab{display:inline-block;font-size:11.5px;letter-spacing:.09em;text-transform:uppercase;color:#fff;background:var(--brand);border-radius:999px;padding:3px 11px;font-weight:700}.ans p{margin:8px 0 0;font-size:18px;line-height:1.55;color:var(--ink)}.takeaway .ans{max-width:900px;margin:0 auto}
.sx{padding:76px 0;position:relative}.sx.tint{background:var(--tint)}.sx.dark{background:linear-gradient(160deg,var(--brand),var(--brand2));overflow:hidden}.sx.dark .w{position:relative}.sh{max-width:740px;margin:0 auto 38px;text-align:center}.sh h2{margin:.2em 0 .35em}.sh p{font-size:18px;color:var(--mut);margin:0}.dark .sh p{color:#c6d6ea}.eyebrow{display:inline-block;font-size:12.5px;font-weight:750;letter-spacing:.09em;text-transform:uppercase;color:var(--link)}.dark .eyebrow{color:var(--g1t,var(--g1))}.center{text-align:center;margin-top:28px}
.steps,.tiles,.tiers,.ccards,.flow,.popc,.relg,.cfres{list-style:none;padding:0;margin:0}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:s}.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:22px;padding:30px 26px;box-shadow:var(--sh);transition:transform .2s,box-shadow .2s}.step:hover{transform:translateY(-3px);box-shadow:var(--sh2)}.step h3{margin:14px 0 6px;font-size:20px}.step p{margin:0;color:var(--mut);font-size:16px}.sn{position:absolute;right:22px;top:18px;font-size:44px;font-weight:800;color:var(--tint2);letter-spacing:-.05em;line-height:1}.step:not(:last-child):after{content:"";position:absolute;right:-22px;top:56px;width:22px;border-top:2px dashed #b5c4d6}
.sic,.tic,.fic{display:grid;place-items:center;width:54px;height:54px;border-radius:16px;background:linear-gradient(135deg,var(--tint),var(--tint2));color:var(--link);border:1px solid var(--line)}.tic{width:46px;height:46px;border-radius:14px}
.flow{position:relative;display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.flowline{position:absolute;left:8%;right:8%;top:50px;width:84%;height:8px;color:#ffffff55}.flowline path{animation:dash 2.4s linear infinite}.fn{position:relative;z-index:1;background:#0a2540d9;-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);border:1px solid #ffffff26;border-radius:20px;padding:24px 22px}.fn h3{color:#fff;margin:14px 0 6px;font-size:19px}.fn p{margin:0;font-size:15.5px;color:#c6d6ea}.fic{background:linear-gradient(135deg,#ffffff1f,#ffffff0d);border-color:#ffffff30;color:var(--g1)}
.stepdots{display:flex;gap:6px;list-style:none;padding:0;margin:0;counter-reset:d}.stepdots li{flex:1;text-align:center;font-size:12px;font-weight:650;color:var(--mut);counter-increment:d;min-width:0}.stepdots li:before{content:counter(d);display:grid;place-items:center;width:28px;height:28px;border-radius:50%;margin:0 auto 5px;background:var(--line);color:var(--mut);font-size:13px;font-weight:750;transition:all .2s}.stepdots li.on{color:var(--ink)}.stepdots li.on:before{background:var(--brand);color:#fff;box-shadow:0 0 0 4px #0a254022}.stepdots li.done:before{content:"\2713";background:var(--btn);color:var(--btn-ink)}
.flowx .stepdots{margin-top:34px;max-width:720px;margin-left:auto;margin-right:auto}.flowx .stepdots li{color:#c6d6ea}.flowx .stepdots li:before{background:#ffffff26;color:#fff}.flowx .stepdots li.on:before{background:var(--btn);color:var(--btn-ink);animation:pulse 1.8s infinite}
.tiles{display:grid;grid-template-columns:repeat(auto-fill,minmax(270px,1fr));gap:14px}.tile{display:flex;gap:14px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px 18px;text-decoration:none;color:var(--ink);height:100%;transition:all .18s;box-shadow:0 1px 2px #0a25400d}.tile:hover{transform:translateY(-2px);box-shadow:var(--sh);border-color:#b9c9dc;color:var(--ink)}.tile:hover .go{transform:translateX(3px);color:var(--link)}.tt{display:grid;gap:2px;min-width:0;flex:1}.tt b{font-size:16.5px}.tt span{font-size:14px;color:var(--mut);line-height:1.4}.go{margin-left:auto;color:#8a9ab0;flex:none;transition:all .18s}.statecards{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:22px}
.tiers{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:14px}.tier{display:grid;gap:4px;position:relative;text-decoration:none;background:#fff;border:1px solid var(--line);border-top:5px solid var(--g1);border-radius:18px;padding:20px 22px;color:var(--ink);height:100%;transition:all .18s}.tiers li:nth-child(2) .tier{border-top-color:var(--g2)}.tiers li:nth-child(3) .tier{border-top-color:var(--g3)}.tiers li:nth-child(4) .tier{border-top-color:#94a3b8}.tier:hover{transform:translateY(-2px);box-shadow:var(--sh);color:var(--ink)}.tier b{font-size:19px;letter-spacing:-.02em}.tier span{font-size:14px;color:var(--mut)}.tier .go{position:absolute;right:18px;top:22px}
.finder{max-width:860px;margin:0 auto}.srch{display:flex;align-items:center;gap:10px;position:relative}.srch .i{position:absolute;left:16px;top:22px;color:var(--mut)}.finder input[type=search]{padding-left:46px;min-height:58px;font-size:17px;border-radius:16px;margin:0;box-shadow:var(--sh)}.cfres{display:grid;gap:6px;margin:10px 0 0}.cfres:empty{display:none}.cfres a{display:flex;justify-content:space-between;padding:12px 16px;background:#fff;border:1px solid var(--line);border-radius:12px;text-decoration:none;color:var(--ink);font-weight:600}.cfres a span{color:var(--mut);font-weight:500;font-size:14px}.cfres a:hover{border-color:var(--link)}.poph{display:block;margin:26px 0 10px;font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--mut)}.popc{display:flex;flex-wrap:wrap;gap:9px}.popc a{display:inline-flex;align-items:center;gap:6px;background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 15px;text-decoration:none;color:var(--ink);font-weight:600;font-size:15px}.popc a:hover{border-color:var(--link);background:var(--tint)}.popc .i{color:var(--link)}.more{font-weight:700;text-decoration:none;display:inline-flex;gap:6px;align-items:center}.finder p{margin:20px 0 0}
.ccards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.cc{background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px;box-shadow:var(--sh)}.cc h3{margin:14px 0 4px}.cc p{margin:0;color:var(--mut);font-size:15.5px}.sx .center .btn{margin:4px}
.long{max-width:820px;margin:0 auto}.long h2:first-child{margin-top:0}.h2s{margin-top:.2em}
.disc{padding:0 0 56px}.dbox{display:flex;gap:14px;align-items:flex-start;background:var(--soft);border:1px solid var(--line);border-radius:18px;padding:20px 24px;font-size:14.5px;color:var(--txt)}.dbox p{margin:0}.dbox .i{color:var(--link);margin-top:2px}
.phead{position:relative;overflow:hidden;background:linear-gradient(180deg,var(--tint),#fff);border-bottom:1px solid var(--line);padding:22px 0 26px}.phead .w{position:relative}.phead h1{font-size:clamp(30px,4.2vw,46px);max-width:900px;margin:.35em 0 .3em}.phead.dark{background:linear-gradient(135deg,var(--brand),var(--brand2));border:0;padding:30px 0 40px}.phead.dark h1{color:#fff}
.crumbs{font-size:13.5px;color:var(--mut);margin:0;display:flex;flex-wrap:wrap;gap:4px 2px;align-items:center}.crumbs a{color:var(--mut);text-decoration:none;padding:2px 4px;border-radius:6px}.crumbs a:hover{background:#0a254010;color:var(--ink)}.crumbs span{margin:0 2px}.crumbs [aria-current]{color:var(--ink);font-weight:600;margin:0 4px}.dark .crumbs,.dark .crumbs a{color:#c6d6ea}.dark .crumbs [aria-current]{color:#fff}
.meta{display:flex;gap:8px;align-items:flex-start;font-size:13.5px;color:var(--mut);margin:0}.meta .i{margin-top:2px;color:var(--link)}.meta a{color:var(--mut)}
main{padding-bottom:0}.layout{display:grid;grid-template-columns:minmax(0,1fr) 370px;gap:48px;align-items:start;padding-top:12px;padding-bottom:70px}.narrow{max-width:860px;padding-bottom:60px}.checkgrid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start;padding-top:14px;padding-bottom:70px}
.side{position:sticky;top:90px;display:grid;gap:18px;max-height:calc(100vh - 106px);overflow:auto;scrollbar-width:thin;padding:4px 8px 14px;margin:18px -8px 0}
.prose{min-width:0;max-width:760px}.prose p,.prose li{font-size:17.5px;line-height:1.75}.prose h2{margin-top:2em;padding-top:.2em}.prose h2:first-child{margin-top:0}.prose>p:first-of-type{margin-top:0}.prose a{font-weight:600}
.cta{background:#fff;border:1px solid var(--line);border-top:5px solid var(--btn);border-radius:22px;padding:22px;box-shadow:var(--sh2)}.cta-t{display:flex;gap:9px;align-items:center;color:var(--link)}.cta h2{font-size:21px;margin:0;color:var(--ink)}.cta>p{font-size:14.5px;margin:6px 0 12px;color:var(--mut)}.cta .fx{gap:10px}.cta .fx label{margin:0}.cta .btn{margin-top:4px}
.toc{border:1px solid var(--line);border-radius:18px;background:#fff;padding:16px 18px;font-size:14.5px}.toc b,.toc summary{font-size:12.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--mut);font-weight:750}.toc ol{margin:8px 0 0;padding-left:0;list-style:none;counter-reset:t}.toc li{counter-increment:t;margin:1px 0}.toc li a{display:flex;gap:9px;text-decoration:none;color:var(--txt);font-weight:550;padding:6px 8px;border-radius:8px;line-height:1.35}.toc li a:before{content:counter(t);color:var(--mut);font-size:12px;font-weight:700;min-width:16px;padding-top:1px}.toc li a:hover,.toc li a.on{background:var(--tint);color:var(--link)}
.tocm{display:none;margin:16px 0}.tocm summary{cursor:pointer;list-style:none;display:flex;align-items:center;gap:8px}.tocm summary::-webkit-details-marker{display:none}.tocm .ch{margin-left:auto;transition:transform .2s}.tocm[open] .ch{transform:rotate(180deg)}.toci{margin:18px 0}.toci ol{columns:2;column-gap:20px}
.ex,.note{border-radius:16px;padding:16px 20px;margin:20px 0;font-size:16px;line-height:1.6}.ex{background:var(--soft);border:1px solid var(--line);border-left:5px solid var(--g2)}.note{background:#fff8e6;border:1px solid #f5d98b;border-left:5px solid #f0a500;color:#4a3500}.ex p,.note p{margin:0}
.tw:focus-visible{outline:3px solid var(--g2)}.tw{overflow-x:auto;border:1px solid var(--line);border-radius:16px;margin:20px 0;box-shadow:0 1px 2px #0a25400d;-webkit-overflow-scrolling:touch}table{border-collapse:collapse;width:100%;font-size:15.5px;min-width:520px}th,td{padding:12px 15px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}th{background:var(--tint);color:var(--ink);font-size:13.5px;letter-spacing:.02em;font-weight:750;white-space:nowrap}tbody tr:nth-child(even){background:#f8fafc}tbody tr:last-child td{border-bottom:0}td:first-child{font-weight:600;color:var(--ink)}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:12px;margin:22px 0}.stat{position:relative;border:1px solid var(--line);border-radius:16px;padding:16px 18px;background:#fff;box-shadow:0 1px 2px #0a25400d;overflow:hidden}.stat:before{content:"";position:absolute;left:0;top:0;right:0;height:4px;background:linear-gradient(90deg,var(--g1),var(--g2))}.stat b{display:block;font-size:25px;letter-spacing:-.03em;color:var(--ink)}.stat span{font-size:13.5px;color:var(--mut)}
.cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:16px;margin:20px 0}.card{border:1px solid var(--line);border-radius:18px;padding:20px;background:#fff;box-shadow:var(--sh)}.card h3{margin-top:0}.card a.more{font-weight:700;text-decoration:none}
details.qa{border:1px solid var(--line);border-radius:16px;margin:10px 0;background:#fff;transition:box-shadow .2s}details.qa[open]{box-shadow:var(--sh);border-color:#c5d3e3}details.qa summary{cursor:pointer;padding:16px 56px 16px 20px;list-style:none;position:relative}details.qa summary::-webkit-details-marker{display:none}details.qa summary h3{display:block;font-size:17.5px;margin:0;letter-spacing:-.01em}details.qa summary:after{content:"+";position:absolute;right:16px;top:50%;margin-top:-15px;width:30px;height:30px;border-radius:50%;background:var(--tint);color:var(--link);display:grid;place-items:center;font-weight:700;font-size:20px;line-height:1}details[open].qa summary:after{content:"\2212";background:var(--btn);color:var(--btn-ink)}details.qa .a{padding:0 20px 8px}details.qa .a p{margin:0 0 12px;font-size:16.5px}
.list{padding-left:22px}.list li{margin:7px 0}.list li::marker{color:var(--link);font-weight:700}.chips{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:10px;margin:16px 0;padding:0;list-style:none}.chips a{display:flex;align-items:center;justify-content:space-between;gap:8px;border:1px solid var(--line);border-radius:14px;padding:12px 14px;text-decoration:none;font-size:15px;font-weight:600;background:#fff;color:var(--ink);transition:all .15s}.chips a:after{content:"\2192";color:#8a9ab0;transition:transform .15s}.chips a:hover{border-color:var(--link);background:var(--tint);color:var(--link2)}.chips a:hover:after{transform:translateX(3px);color:var(--link)}
.related{margin-top:48px;padding-top:8px}.related h2{margin-top:0}.relg{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px}.rel{display:grid;gap:6px;position:relative;background:linear-gradient(160deg,#fff,var(--tint));border:1px solid var(--line);border-radius:18px;padding:18px 44px 18px 18px;text-decoration:none;color:var(--ink);height:100%;transition:all .18s}.rel:hover{transform:translateY(-2px);box-shadow:var(--sh);color:var(--ink)}.rel span{display:flex;gap:6px;align-items:center;font-size:12px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--link)}.rel b{font-size:15.5px;line-height:1.35}.rel .go{position:absolute;right:16px;bottom:18px}
.src{font-size:14.5px;color:var(--mut);background:var(--soft);border:1px solid var(--line);border-radius:16px;margin-top:36px;padding:16px 20px}.src b{color:var(--ink)}.src li{margin:5px 0}.src ul{margin:8px 0 0;padding-left:20px}.src a{font-weight:500}
.band{position:relative;overflow:hidden;background:linear-gradient(135deg,var(--brand),var(--brand2));border-radius:24px;padding:34px 36px;margin:30px 0 60px;display:flex;gap:20px;align-items:center;justify-content:space-between;flex-wrap:wrap}.band h2{margin:0;font-size:28px}.band p{margin:6px 0 0;color:#c6d6ea}
.formwrap{margin:6px 0 10px}.lf{background:#fff;border:1px solid var(--line);border-top:5px solid var(--btn);border-radius:24px;padding:26px 26px 22px;box-shadow:var(--sh2)}.lf h2{margin:0 0 4px;font-size:24px}.lf .sub{font-size:15px;color:var(--mut);margin:0 0 12px}.lf .stepn{font-size:13px;font-weight:700;color:var(--link);margin-top:10px}
.prog{height:8px;background:var(--line);border-radius:8px;overflow:hidden;margin:8px 0 14px}.prog i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--g1),var(--g2));border-radius:8px;transition:width .35s cubic-bezier(.2,.8,.2,1)}.lf .sd{margin:0 0 14px}
.lf fieldset{border:0;padding:0;margin:0;display:none;min-width:0}.lf fieldset.on{display:block;animation:up .35s both}.lf legend{font-weight:800;font-size:21px;letter-spacing:-.02em;margin-bottom:10px;color:var(--ink);padding:0}.lf legend:focus{outline:0}.lf label{display:block;font-size:15px;font-weight:650;margin:14px 0 2px;color:var(--ink)}
.lf .opts{display:grid;gap:9px;margin-top:8px}.lf .opt{display:flex;gap:12px;align-items:center;font-weight:550;border:1.5px solid #cdd7e3;border-radius:14px;padding:14px 16px;margin:0;cursor:pointer;background:#fff;transition:all .15s;font-size:16px}.lf .opt:hover{border-color:var(--link)}.lf .opt input{margin:0;width:20px;height:20px;accent-color:var(--brand);flex:none}.lf .opt:has(input:checked){border-color:var(--brand);background:var(--tint2);box-shadow:0 0 0 3px #0a254014}
.lf .row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}.lf .nav2{display:flex;gap:12px;margin-top:20px}.lf .nav2 .btn{flex:1}.lf .nav2 [data-back]{flex:0 0 auto;min-width:96px}.lf .err{color:var(--err);font-size:14.5px;font-weight:600;margin-top:10px;min-height:1.3em}.lf .err:not(:empty){background:#fef3f2;border:1px solid #fecdca;border-radius:12px;padding:10px 14px}
.lf .consent{font-size:13.5px;line-height:1.55;color:var(--txt);border:1.5px solid var(--line);border-radius:14px;padding:13px 15px;background:var(--soft)}.lf .consent label{font-weight:500;font-size:13.5px;display:flex;gap:12px;margin:0;color:var(--txt);cursor:pointer}.lf .consent input{margin-top:2px;min-width:20px;width:20px;height:20px;accent-color:var(--brand)}
.lf .hp{position:absolute;left:-9999px;height:0;overflow:hidden}.lf .res{display:none}.lf .res.on{display:block;animation:up .4s both}.lf .res h3{font-size:24px;margin-top:6px}.lf .tiny{margin-top:14px}.gl3{background:linear-gradient(160deg,#fff,var(--tint));border:1px solid var(--line);border-radius:22px;padding:22px;box-shadow:var(--sh)}.gl3 h2{font-size:20px;margin:0 0 4px}.ticks.big{gap:12px;font-size:15px}.checkgrid .side{margin-top:6px}
.calc{background:linear-gradient(160deg,#fff,var(--tint));border:1px solid var(--line);border-radius:22px;padding:22px;margin:24px 0;box-shadow:var(--sh)}.calc h3{margin-top:0}.calc .g{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:12px}.calc label{font-size:14px;font-weight:650;display:block}.calc input,.calc select{width:100%;padding:11px 12px;border:1.5px solid #cdd7e3;border-radius:10px;font:inherit;margin-top:4px;min-height:46px}.calc .out{margin-top:14px;font-size:16px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 16px}.calc .out b{font-size:21px}.calc table input{margin:0;min-width:80px}
.check li{list-style:none;margin-left:-22px}.check input{margin-right:10px;width:18px;height:18px;accent-color:var(--brand);vertical-align:-3px}
.ft{background:#071a2e;color:#b9c8dc;padding:60px 0 100px;font-size:14.5px;position:relative}.ft:before{content:"";position:absolute;left:0;right:0;top:0;height:3px;background:linear-gradient(90deg,var(--g1),var(--g2),var(--g3))}.ft a{color:#e8f0fb}.ft a:hover{color:#fff}.ft h4{color:#fff;margin:0 0 12px;font-size:14px;letter-spacing:.06em;text-transform:uppercase}.fcols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:34px}.fbn{display:flex;align-items:center;gap:10px;font-size:19px;color:#fff;margin-bottom:8px}.fbn b{color:#fff;letter-spacing:-.03em}.ft ul{list-style:none;padding:0;margin:0}.ft li{margin:8px 0}.fcta p{margin:0 0 14px}.fcta .btn{color:var(--btn-ink)}.legal{border-top:1px solid #1d3552;margin-top:36px;padding-top:22px;font-size:12.8px;line-height:1.65;color:#93a7c2}.legal p{margin:10px 0}.legal b{color:#fff}
/* form page + prose overrides */
.prose .lf p,.prose .lf li{font-size:15px;line-height:1.55}.prose .lf .tiny{font-size:12.8px}.prose .lf .res p{font-size:16px}.prose .lf .sub{font-size:15px}
.checkgrid .prose{display:flex;flex-direction:column}.checkgrid .formwrap{order:-2}.checkgrid .ans{order:-1;margin-top:26px}.checkgrid .side{overflow:visible;max-height:none}
.phead .kicker{margin-top:14px}.phead .crumbs{margin-bottom:2px}
.mbar{display:none}
@media(max-width:1000px){.layout,.checkgrid{grid-template-columns:1fr;gap:20px}.side{position:static;max-height:none;overflow:visible;margin-top:10px}.layout .side .toc{display:none}.tocm{display:block}.checkgrid .side{order:-1}.hgrid{grid-template-columns:1fr;gap:34px}.hflow{display:none}.fcols{grid-template-columns:1fr 1fr}.flow{grid-template-columns:1fr 1fr}.flowline{display:none}.ccards{grid-template-columns:1fr 1fr}}
@media(max-width:900px){.nav,.hcta{display:none}.mnav{display:block}.mbar{display:flex;position:fixed;left:0;right:0;bottom:0;background:#ffffffee;-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-top:1px solid var(--line);padding:9px 12px calc(9px + env(safe-area-inset-bottom));gap:10px;z-index:50}.mbar .btn{flex:1}.mbar .btn.ghost{flex:0 0 auto}.steps{grid-template-columns:1fr}.step:after{display:none}.sx{padding:54px 0}.statecards{grid-template-columns:1fr}}
@media(max-width:600px){body{font-size:16.5px}.prose p,.prose li{font-size:17px}.hero{padding:40px 0 52px}.hd .w{min-height:60px}.bp{display:none}.wm{font-size:18px}.gl2{padding:20px 18px;border-radius:20px}.flow,.ccards,.fcols{grid-template-columns:1fr}.lf{padding:20px 16px}.lf .row2{grid-template-columns:1fr}.top .w span:last-child{display:none}.band{padding:26px 22px}.toci ol{columns:1}.stepdots li{font-size:0}.stepdots li:before{font-size:13px}.lf .sd li.on{font-size:0}.btn.lg{width:100%}.hbtn{display:grid}.related{margin-top:34px}th,td{padding:10px 11px}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition:none!important;animation:none!important}.hf-row i:after{width:100%}}
.plc-cb{position:fixed;right:20px;bottom:20px;z-index:60;display:flex;align-items:center;gap:9px;border:0;cursor:pointer;font:700 15px/1 var(--f);color:#fff;background:linear-gradient(135deg,var(--brand),var(--brand2));padding:12px 18px 12px 12px;border-radius:999px;box-shadow:0 10px 30px #0a254059,inset 0 0 0 1px #ffffff2e;transition:transform .15s}.plc-cb:hover{transform:translateY(-2px)}.plc-cb i{width:30px;height:30px;border-radius:50%;background:linear-gradient(135deg,var(--g1),var(--g2));display:grid;place-items:center;color:var(--btn-ink);animation:plcpulse 2.8s infinite}
@keyframes plcpulse{0%{box-shadow:0 0 0 0 color-mix(in srgb,var(--g1) 55%,transparent)}70%{box-shadow:0 0 0 12px transparent}100%{box-shadow:0 0 0 0 transparent}}
body.plc-open .plc-cb{display:none}.plc-cb[aria-busy=true]{opacity:.75}
@media(max-width:900px){.plc-cb{bottom:calc(86px + env(safe-area-inset-bottom));right:14px;padding:11px}.plc-cb span{display:none}}
@media print{.plc-cb{display:none}}
.lf .hint{font-size:14px;color:var(--mut);margin:4px 0 2px;line-height:1.5}
.lf .note{display:none;font-size:14px;line-height:1.5;margin:12px 0 0;padding:10px 14px;border-radius:12px;background:var(--soft);border:1px solid var(--line);color:var(--txt)}
.lf .note.on{display:block}
.lf .rng{width:100%;margin:14px 0 0;accent-color:var(--brand);height:28px;cursor:pointer}
.lf .rngl{display:flex;justify-content:space-between;font-size:13px;color:var(--mut)}
.lf .reqd{margin:0 0 10px;font-size:14px;border:1px solid var(--line);border-radius:12px;padding:8px 14px;background:var(--soft)}
.lf .reqd summary{cursor:pointer;font-weight:700;color:var(--link)}
.lf .req{margin:8px 0 2px;padding-left:20px;line-height:1.55}

/* header lockup: site name with 'Powered by' line underneath (Oct 29, 2026) */
.wmw{display:flex;flex-direction:column;line-height:1.05;min-width:0}.pby{font-size:11.5px;font-weight:600;letter-spacing:.01em;color:var(--mut);margin-top:3px;white-space:nowrap}
@media(max-width:600px){.bn .mk{width:38px;height:38px}.pby{font-size:10.5px;margin-top:2px}.bn{gap:8px}}
@media(max-width:360px){.wm{font-size:16px}.pby{font-size:9.5px}}
.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}.cfst{margin:8px 2px 0;min-height:1em}.fbox{margin:6px 0 26px}.cfres a span{text-align:right}
.nearb{background:var(--tint);border:1px solid var(--line);border-left:4px solid var(--link);border-radius:12px;padding:12px 16px;margin:12px 0 4px;font-size:16px}
@media(max-width:600px){.cfres a{flex-direction:column;gap:2px}.cfres a span{text-align:left}}
:root{--brand:#0a2540;--brand2:#123a63;--btn:#2ee6a6;--btn2:#1fcf94;--btn-ink:#04251c;--link:#0a6b52;--link2:#084c3b;--tint:#eef8f5;--tint2:#e7f0fb;--g1:#2ee6a6;--g2:#3b82f6;--g3:#7c5cff}