@font-face{font-family:Montserrat;src:url(/assets/fonts/montserrat.woff2) format("woff2");font-weight:600 800;font-display:swap}
@font-face{font-family:"Open Sans";src:url(/assets/fonts/opensans.woff2) format("woff2");font-weight:400 700;font-display:swap}
:root{--navy:#253D89;--gold:#F5C017;--goldl:#F5C03E;--deep:#07223B;--cream:#FFF8E7;--ink:#1d2a44;--muted:#55607a;--line:#e3e6ef;--r:18px;--max:1120px}
*{box-sizing:border-box;margin:0;padding:0}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{font-family:"Open Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6;font-size:17px}
img,svg{max-width:100%;display:block}
a{color:var(--navy)}
a:hover{color:var(--deep)}
h1,h2,h3,.kicker,.btn,.brand-name,.step-n,.nav a{font-family:Montserrat,"Open Sans",Arial,sans-serif}
h1{font-weight:800;font-size:clamp(2.1rem,6.4vw,3.6rem);line-height:1.06;letter-spacing:-.02em}
h2{font-weight:800;font-size:clamp(1.6rem,4.4vw,2.35rem);line-height:1.15;letter-spacing:-.01em;color:var(--navy)}
h3{font-weight:700;font-size:1.2rem;line-height:1.3;color:var(--navy)}
p+p{margin-top:.8em}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--deep);padding:.6rem 1rem;z-index:99}
.skip:focus{left:0}
.wrap{width:100%;max-width:var(--max);margin:0 auto;padding:0 20px}
.narrow{max-width:780px}
.kicker{display:block;font-weight:800;letter-spacing:.18em;font-size:.8rem;text-transform:uppercase;color:var(--gold);margin-bottom:14px}
.light .kicker,.cream .kicker{color:#9a7300}
em.hl{font-style:normal;color:var(--gold)}
.light em.hl,.cream em.hl{color:var(--navy);background:linear-gradient(transparent 62%,var(--goldl) 62%)}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:16px}
.brand img{height:62px;width:auto}
.nav{display:none}
.nav ul{list-style:none;display:flex;gap:4px;align-items:center}
.nav a{display:block;text-decoration:none;font-weight:700;font-size:.95rem;color:var(--navy);padding:10px 12px;border-radius:10px}
.nav a:hover,.nav a[aria-current=page]{background:var(--cream)}
.menu-btn{background:none;border:2px solid var(--navy);color:var(--navy);border-radius:10px;padding:8px 12px;font:700 .9rem Montserrat,sans-serif;cursor:pointer}
.nav.open{display:block;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);padding:8px 20px 18px;box-shadow:0 10px 20px rgba(7,34,59,.08)}
.nav.open ul{flex-direction:column;align-items:stretch}
.nav.open .btn{margin-top:8px;text-align:center}
@media (min-width:960px){.menu-btn{display:none}.nav{display:block}}
/* buttons */
.btn{display:inline-block;text-decoration:none;font-weight:800;font-size:1rem;padding:14px 26px;border-radius:999px;border:2px solid transparent;line-height:1.2;cursor:pointer;transition:transform .15s ease,box-shadow .15s ease}
.btn:hover{transform:translateY(-1px);box-shadow:0 6px 16px rgba(7,34,59,.18)}
.btn-gold{background:var(--gold);color:var(--deep)!important}
.btn-navy{background:var(--navy);color:#fff!important}
.btn-ghost{border-color:currentColor;color:#fff!important;background:transparent}
.light .btn-ghost,.cream .btn-ghost{color:var(--navy)!important}
.nav .btn{padding:10px 20px;font-size:.95rem}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
/* sections */
section{padding:56px 0}
@media (min-width:760px){section{padding:84px 0}}
.navy{background:var(--navy);color:#fff}
.navy h2,.navy h3,.deep h2,.deep h3{color:#fff}
.deep{background:var(--deep);color:#fff}
.cream{background:var(--cream)}
.goldbg{background:var(--gold);color:var(--deep)}
.goldbg h2{color:var(--navy)}
.hero{position:relative;overflow:hidden;padding:64px 0 72px}
@media (min-width:760px){.hero{padding:96px 0 104px}}
.hero .sun{position:absolute;right:-210px;top:-210px;width:420px;height:420px;opacity:.12;pointer-events:none}
@media (min-width:760px){.hero .sun{width:560px;height:560px;right:-160px;top:-180px}}
.hero p.lead{font-size:1.15rem;max-width:44rem;margin-top:18px;opacity:.95}
.hero.small{padding:52px 0 56px}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px;list-style:none}
.chips li{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.28);border-radius:999px;padding:7px 14px;font-weight:600;font-size:.9rem}
.sec-head{max-width:44rem;margin-bottom:32px}
.sec-head p{margin-top:12px;color:var(--muted)}
.navy .sec-head p,.deep .sec-head p{color:rgba(255,255,255,.85)}
.grid{display:grid;gap:20px}
@media (min-width:760px){.g2{grid-template-columns:1fr 1fr}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:0 2px 0 rgba(37,61,137,.04)}
.card p{color:var(--muted);margin-top:10px}
.card .btn{margin-top:20px}
.card.feature{border-top:6px solid var(--gold)}
.card.navycard{background:var(--navy);color:#fff;border:none}
.card.navycard h3{color:#fff}.card.navycard p{color:rgba(255,255,255,.88)}
.icon{width:52px;height:52px;border-radius:14px;background:var(--cream);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.icon svg{width:28px;height:28px}
.navycard .icon{background:rgba(255,255,255,.12)}
ul.ticks{list-style:none;margin-top:16px}
ul.ticks li{position:relative;padding-left:38px;margin:0 0 12px;font-weight:600;line-height:1.45}
ul.ticks li:before{content:"";position:absolute;left:0;top:1px;width:24px;height:24px;border-radius:50%;background:var(--gold)}
ul.ticks li:after{content:"";position:absolute;left:8px;top:5px;width:6px;height:12px;border:solid var(--deep);border-width:0 3px 3px 0;transform:rotate(45deg)}
.goldbg ul.ticks li:before{background:var(--navy)}.goldbg ul.ticks li:after{border-color:#fff}
ul.plain{margin:12px 0 0 1.2em}ul.plain li{margin-bottom:6px}
ol.steps{list-style:none;counter-reset:s;display:grid;gap:16px}
@media (min-width:760px){ol.steps.row{grid-template-columns:repeat(4,1fr)}}
ol.steps li{counter-increment:s;position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px 22px 22px 84px;min-height:92px}
ol.steps li:before{content:counter(s);position:absolute;left:20px;top:22px;width:48px;height:48px;border-radius:50%;background:var(--gold);color:var(--deep);font:800 1.3rem Montserrat,sans-serif;display:flex;align-items:center;justify-content:center}
ol.steps li b{display:block;font-family:Montserrat,sans-serif;color:var(--navy);font-size:1.05rem;margin-bottom:4px}
ol.steps li span{color:var(--muted);font-size:.97rem}
@media (min-width:760px){ol.steps.row li{padding:84px 22px 24px}ol.steps.row li:before{top:22px}}
.navy ol.steps li{background:rgba(255,255,255,.07);border-color:rgba(255,255,255,.18)}
.navy ol.steps li b{color:#fff}.navy ol.steps li span{color:rgba(255,255,255,.85)}
.role{background:#fff;border:1px solid var(--line);border-left:8px solid var(--gold);border-radius:var(--r);padding:28px}
.role .meta{display:flex;flex-wrap:wrap;gap:8px;margin:12px 0 4px;list-style:none}
.role .meta li{background:var(--cream);color:var(--navy);font-weight:700;font-size:.85rem;border-radius:999px;padding:6px 12px}
.note{background:var(--cream);border-left:5px solid var(--gold);border-radius:12px;padding:16px 18px;font-size:.95rem;color:var(--ink);margin-top:20px}
.navy .note{background:rgba(255,255,255,.08);color:#fff}
.promise{display:grid;gap:16px}
@media (min-width:760px){.promise{grid-template-columns:repeat(3,1fr)}}
.promise div{display:flex;gap:14px;align-items:flex-start;font-weight:600}
.promise svg{flex:0 0 34px;width:34px;height:34px}
.cta-band{text-align:center}
.cta-band .btns{justify-content:center}
.prose h2{margin:40px 0 12px;font-size:1.5rem}
.prose h3{margin:26px 0 8px}
.prose p,.prose li{color:var(--ink)}
.prose ul{margin:10px 0 0 1.3em}.prose li{margin-bottom:6px}
.draft{background:#fff4d1;border:2px dashed #c99700;border-radius:12px;padding:14px 18px;font-weight:600;margin-bottom:28px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:4px 20px;margin-bottom:12px}
.faq summary{cursor:pointer;font:700 1.05rem Montserrat,sans-serif;color:var(--navy);padding:14px 0;list-style:none;position:relative;padding-right:30px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:0;top:10px;font-size:1.5rem;color:#9a7300}
.faq details[open] summary:after{content:"\2013"}
.faq details p{padding:0 0 16px;color:var(--muted)}
.bio{border-top:6px solid var(--navy)}
.bio .role-t{font-weight:700;color:#9a7300;font-size:.9rem;text-transform:uppercase;letter-spacing:.08em;margin-top:4px}
/* forms */
form.f{display:grid;gap:18px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
@media (min-width:760px){form.f{padding:34px;grid-template-columns:1fr 1fr}.f .full{grid-column:1/-1}}
.f fieldset{border:none;display:grid;gap:8px}
.f label,.f legend{font-weight:700;color:var(--navy);font-size:.95rem}
.f .hint{font-size:.85rem;color:var(--muted);font-weight:400}
.f input[type=text],.f input[type=email],.f input[type=tel],.f input[type=number],.f input[type=date],.f select,.f textarea,.f input[type=file]{width:100%;font:inherit;font-size:1rem;padding:12px 14px;border:1.5px solid #c9cfdd;border-radius:12px;background:#fff;color:var(--ink)}
.f textarea{min-height:110px;resize:vertical}
.f input:focus,.f select:focus,.f textarea:focus{outline:3px solid rgba(245,192,23,.55);border-color:var(--navy)}
.f .opts{display:flex;flex-wrap:wrap;gap:10px}
.f .opts label{display:flex;align-items:center;gap:8px;border:1.5px solid #c9cfdd;border-radius:999px;padding:8px 16px;font-weight:600;color:var(--ink);cursor:pointer}
.f .opts input{accent-color:var(--navy);width:18px;height:18px}
.f .check{display:flex;gap:12px;align-items:flex-start;font-weight:600;color:var(--ink)}
.f .check input{margin-top:4px;width:20px;height:20px;accent-color:var(--navy);flex:0 0 20px}
.f .group-title{font:800 1.1rem Montserrat,sans-serif;color:var(--navy);border-bottom:2px solid var(--cream);padding-bottom:6px;margin-top:6px}
.f button{justify-self:start}
.req{color:#b3261e}
.hidden{display:none}
/* footer */
.site-footer{background:var(--deep);color:rgba(255,255,255,.88);padding:56px 0 28px;font-size:.95rem}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.fgrid{display:grid;gap:30px}
@media (min-width:760px){.fgrid{grid-template-columns:1.3fr 1fr 1fr}}
.site-footer h3{color:var(--gold);font-size:.85rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:12px}
.site-footer ul{list-style:none}.site-footer li{margin-bottom:8px}
.flogo{height:84px;width:auto;margin-bottom:14px}
.social{display:flex;gap:12px;margin-top:14px}
.social a{display:flex;width:42px;height:42px;border-radius:50%;background:rgba(255,255,255,.1);align-items:center;justify-content:center}
.social svg{width:20px;height:20px;fill:#fff}
.disclaimer{border-top:1px solid rgba(255,255,255,.16);margin-top:36px;padding-top:22px;font-size:.88rem;line-height:1.55}
.disclaimer p.key{color:#fff;font-weight:700}
.copy{margin-top:14px;font-size:.82rem;opacity:.75}
.center{text-align:center}
.mt{margin-top:28px}
.benefit{margin-top:20px}
.badge{display:inline-flex;align-items:center;gap:10px;background:var(--gold);color:var(--deep);font:800 1rem/1.35 Montserrat,sans-serif;padding:10px 18px 10px 12px;border-radius:999px;box-shadow:0 4px 12px rgba(7,34,59,.15)}
.badge .star{display:inline-flex;align-items:center;justify-content:center;flex:0 0 28px;width:28px;height:28px;border-radius:50%;background:var(--navy);color:var(--gold);font-size:.9rem}
@media (max-width:520px){.badge{border-radius:16px}}
.footnote{font-size:.82rem;line-height:1.5;margin-top:8px;opacity:.85}
.navy .footnote{color:rgba(255,255,255,.85)}
@media (min-width:760px){ol.steps.row3{grid-template-columns:repeat(3,1fr)}ol.steps.row3 li{padding:84px 22px 24px}}
@media (min-width:760px){.promise.four{grid-template-columns:repeat(2,1fr)}}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.partners{list-style:none;display:flex;flex-wrap:wrap;justify-content:center;gap:24px}
.partners li{display:flex;flex-direction:column;align-items:center;gap:10px}
.pcard{display:flex;align-items:center;justify-content:center;width:220px;height:130px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:16px 24px;box-shadow:0 6px 18px rgba(7,34,59,.07);transition:box-shadow .2s,transform .2s}
.pcard:hover{box-shadow:0 10px 24px rgba(7,34,59,.12);transform:translateY(-2px)}
.pcard img{max-width:100%;max-height:96px;width:auto;height:auto}
.plabel{font:700 .78rem Montserrat,sans-serif;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.pnote{text-align:center;color:var(--muted);font-size:.88rem;max-width:40rem;margin:26px auto 0}
@media (max-width:520px){.pcard{width:150px;height:104px;padding:12px 16px}.pcard img{max-height:76px}}