@font-face {
  font-family: 'Barlow Condensed';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url(/assets/fonts/barlow-condensed-700.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'DM Sans';
  font-style: normal;
  font-weight: 400 800;
  font-display: swap;
  src: url(/assets/fonts/dm-sans-variable.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
:root{--ink:#102338;--blue:#134bdb;--yellow:#ffda43;--pale:#eff4fa;--muted:#536375;--line:#dbe2e9;--white:#fff;--radius:9px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:95px}body{margin:0;color:var(--ink);font:16px/1.65 'DM Sans',sans-serif;background:#fff}a{color:inherit;text-decoration:none}a:hover{color:var(--blue)}button,input,select,textarea{font:inherit}button,a,input,select,textarea{touch-action:manipulation}button{cursor:pointer}img{max-width:100%;display:block}p{margin:0 0 1.2rem;color:var(--muted)}h1,h2,h3,h4{line-height:1.08;margin:0 0 1rem;letter-spacing:-.025em}h1,h2{font-family:'Barlow Condensed',Impact,sans-serif;font-weight:700}h1{font-size:clamp(3.4rem,5.6vw,5.75rem)}h2{font-size:clamp(2.4rem,3.7vw,3.8rem)}h3{font-size:1.25rem}small,.small{font-size:.86rem}.wrap{width:min(1240px,calc(100% - 64px));margin:auto}.eyebrow{text-transform:uppercase;font-weight:800;letter-spacing:.15em;font-size:.76rem;color:var(--blue);margin-bottom:18px;display:block}.topbar{background:var(--ink);color:#fff;font-size:.78rem;padding:8px 0}.topbar .wrap{display:flex;justify-content:space-between;gap:20px}.topbar a{color:#ffdf64}header{position:sticky;top:0;z-index:30;background:#fff;border-bottom:1px solid var(--line)}.nav{height:88px;display:flex;align-items:center;gap:32px}.brand{display:flex;align-items:center;gap:10px;min-width:218px}.brandmark{background:var(--blue);color:white;width:41px;height:46px;display:grid;place-content:center;font-weight:800;font-size:23px;border-radius:6px}.brand strong{display:block;font-size:1.27rem;letter-spacing:-.06em;line-height:1.05}.brand small{font-size:.64rem;text-transform:uppercase;letter-spacing:.19em;display:block;margin-top:5px}.navlinks{display:flex;gap:24px;margin-left:auto;font-size:.86rem;font-weight:700;align-items:center}.navphone{font-size:.94rem;white-space:nowrap;font-weight:800}.btn{display:inline-flex;align-items:center;justify-content:center;gap:16px;padding:14px 23px;border:1px solid transparent;background:var(--blue);color:#fff;border-radius:5px;font-size:.92rem;font-weight:800;line-height:1.45;transition:background .2s,transform .2s}.btn:hover{color:white;background:#0c38ac;transform:translateY(-1px)}.btn.yellow{background:var(--yellow);color:var(--ink)}.btn.yellow:hover{background:#f6cb1b}.btn.outline{background:transparent;color:var(--ink);border-color:#b6c2d0}.btn.white{background:#fff;color:var(--ink)}.menu-toggle{display:none;background:none;border:1px solid var(--line);padding:9px;border-radius:4px}.hero{background:var(--pale);overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.04fr 1fr;min-height:630px;align-items:center;gap:50px;padding:56px 0 62px}.hero h1 span{color:var(--blue)}.hero-copy p{max-width:535px;font-size:1.05rem}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0}.hero-checks{display:flex;gap:18px;font-size:.8rem;font-weight:600}.hero-checks span:before{content:'✓';color:var(--blue);margin-right:6px}.hero-media{position:relative}.hero-media>img{height:500px;width:100%;object-fit:cover;border-radius:12px 12px 80px 12px}.image-tag{position:absolute;left:22px;top:22px;background:#fff;padding:9px 13px;border-radius:4px;font-size:.76rem;font-weight:800}.image-note{position:absolute;bottom:22px;left:-25px;background:var(--ink);color:white;padding:22px 28px;box-shadow:0 10px 30px #0002;border-radius:7px}.image-note strong{font-size:1.6rem;display:block;line-height:1.2}.image-note small{color:#c4d1df}.trustbar{border-bottom:1px solid var(--line);background:#fff}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);padding:26px 0;gap:24px}.trust-item{display:flex;gap:14px;align-items:center}.trust-icon{width:39px;height:39px;border-radius:50%;display:grid;place-content:center;background:var(--pale);color:var(--blue);font-size:20px}.trust-item strong{display:block;font-size:.9rem}.trust-item small{color:var(--muted);font-size:.75rem}.section{padding:86px 0}.section.pale{background:var(--pale)}.section.dark{background:var(--ink);color:#fff}.dark p{color:#c5d1dd}.dark .eyebrow{color:var(--yellow)}.section-head{display:flex;justify-content:space-between;gap:40px;align-items:end;margin-bottom:34px}.section-head p{max-width:420px}.grid{display:grid;gap:24px}.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}.grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}.grid.four{grid-template-columns:repeat(4,minmax(0,1fr))}.card{background:white;border:1px solid var(--line);border-radius:9px;overflow:hidden}.card>img{width:100%;height:245px;object-fit:cover}.card-body{padding:27px}.card .eyebrow{margin-bottom:10px}.card p{font-size:.95rem}.textlink{font-weight:800;color:var(--blue);font-size:.9rem}.quote-strip{padding:30px;background:var(--blue);color:white;border-radius:9px;display:grid;grid-template-columns:1fr 1.7fr;gap:25px;margin-top:36px}.quote-strip h3{font-size:1.6rem}.quote-strip p{color:#dfe8ff;margin:0;font-size:.9rem}.quick-form{display:grid;grid-template-columns:1fr 1fr auto;gap:12px;align-items:end}label{font-weight:700;font-size:.84rem;display:block}input,select,textarea{width:100%;background:#fff;color:var(--ink);padding:12px;border:1px solid #c4ced9;border-radius:5px;min-height:47px;margin-top:6px}textarea{min-height:110px}input:focus,select:focus,textarea:focus{outline:3px solid #6f9dff;outline-offset:1px}.quick-form .btn{height:49px}.anchor-nav{display:flex;flex-wrap:wrap;gap:10px;margin:25px 0}.anchor-nav a,.chip{font-size:.85rem;border:1px solid var(--line);background:white;padding:7px 13px;border-radius:4px}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.split>img{width:100%;height:470px;object-fit:cover;border-radius:9px}.list{padding:0;list-style:none}.list li{padding:11px 0 11px 28px;position:relative;border-bottom:1px solid var(--line)}.list li:before{content:'✓';position:absolute;left:0;color:var(--blue);font-weight:800}.steps{counter-reset:step}.step{padding:25px 0}.step:before{counter-increment:step;content:'0' counter(step);display:block;font-family:'Barlow Condensed';font-size:3rem;color:var(--blue);line-height:1;margin-bottom:20px}.dark .step:before{color:var(--yellow)}.step p{font-size:.93rem}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:8px}table{border-collapse:collapse;width:100%;text-align:left;font-size:.92rem;background:#fff}th{background:var(--ink);color:#fff;font-size:.8rem}td,th{padding:17px 20px;border-bottom:1px solid var(--line)}td:first-child{font-weight:700}details{border-bottom:1px solid var(--line);padding:20px 0}summary{font-weight:700;cursor:pointer;list-style:none;padding-right:30px;position:relative}summary:after{content:'+';position:absolute;right:3px;color:var(--blue);font-size:24px;top:-6px}details[open] summary:after{content:'−'}details p{margin:14px 0 0;max-width:800px}.faq-grid{display:grid;grid-template-columns:1fr 1.65fr;gap:75px}.calc{background:white;color:var(--ink);border-radius:9px;padding:30px;border:1px solid var(--line)}.calc-result{background:var(--pale);padding:22px;margin-top:20px;border-left:4px solid var(--blue)}.calc-result strong{display:block;font-size:2.25rem;line-height:1.2;color:var(--blue)}.calc-result p{font-size:.86rem;color:var(--muted);margin:8px 0 0}.tag-list{display:flex;gap:10px;flex-wrap:wrap}.area-links{display:grid;grid-template-columns:repeat(3,1fr);gap:0 24px}.area-links a{border-bottom:1px solid var(--line);padding:12px 0;font-size:.92rem;font-weight:700}.area-links a:after{content:'↗';float:right;color:var(--blue)}.story-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:18px}.story{height:330px;position:relative;overflow:hidden;border-radius:9px;color:white}.story img{width:100%;height:100%;object-fit:cover;transition:transform .4s}.story:hover img{transform:scale(1.04)}.story:after{content:'';position:absolute;inset:0;background:linear-gradient(transparent 25%,#081a32ee)}.story-text{position:absolute;bottom:20px;left:18px;right:18px;z-index:1}.story-text h3{font-size:1.2rem;color:#fff}.story-text small{color:#ffdf64;font-weight:700}.story-top{position:absolute;top:16px;left:16px;z-index:1;background:#fff;color:var(--ink);border-radius:4px;padding:4px 8px;font-size:.7rem;font-weight:800}.cta-band{background:var(--yellow);padding:55px 0}.cta-band .wrap{display:flex;align-items:center;justify-content:space-between;gap:30px}.cta-band h2{max-width:670px;margin:0}.footer{background:#0c1c2e;color:white;padding:65px 0 25px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px}.footer h3{font-size:.88rem;margin-bottom:20px;color:#fff}.footer a{display:block;font-size:.85rem;color:#becbd9;margin:8px 0}.footer p{font-size:.85rem;color:#becbd9}.footer .brand{margin-bottom:20px}.footer-bottom{border-top:1px solid #2b3c50;margin-top:35px;padding-top:25px;display:flex;justify-content:space-between;font-size:.76rem;color:#a5b5c6}.breadcrumbs{font-size:.78rem;padding:22px 0;color:var(--muted)}.page-hero{background:var(--pale);padding:10px 0 55px}.page-hero h1{max-width:900px;font-size:clamp(3rem,5vw,4.7rem)}.page-hero p{max-width:780px;font-size:1.12rem}.content-layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:70px;align-items:start}.article h2{font-size:2.6rem;margin-top:43px}.article h2:first-child{margin-top:0}.article h3{margin-top:26px}.article a:not(.btn){color:var(--blue);text-decoration:underline;text-underline-offset:3px}.article li{color:var(--muted);margin:8px 0}.article>img{width:100%;height:370px;object-fit:cover;border-radius:8px;margin-bottom:35px}.sidebox{position:sticky;top:115px;padding:28px;background:var(--pale);border-radius:9px}.sidebox .btn{width:100%;margin-bottom:12px}.sidebox p{font-size:.9rem}.formbox{background:#fff;border:1px solid var(--line);border-radius:10px;padding:34px}.formgrid{display:grid;grid-template-columns:1fr 1fr;gap:17px}.full{grid-column:1/-1}.checklabel{display:flex;align-items:start;gap:10px;font-weight:400;font-size:.85rem}.checklabel input{width:18px;min-height:18px;margin-top:5px;flex-shrink:0}.status{margin-top:14px;font-weight:600}.status:empty{display:none}.status.error{color:#b12920}.status.success{color:#19693d}.notice{border-left:4px solid var(--blue);background:var(--pale);padding:20px;margin:25px 0}.sources{font-size:.85rem;border-top:1px solid var(--line);padding-top:20px;margin-top:35px}.mobile-bar{display:none}.skip{position:fixed;left:15px;top:-80px;z-index:100;background:var(--yellow);padding:12px}.skip:focus{top:10px}:focus-visible{outline:3px solid #ffbd00;outline-offset:4px}.hide{display:none!important}
@media(max-width:1100px){.navlinks{gap:15px}.navphone{display:none}.hero-grid{gap:30px}.hero h1{font-size:4.4rem}.hero-media>img{height:460px}.hero-checks{flex-wrap:wrap;gap:7px 16px}.trust-grid{gap:15px}.story-grid{gap:12px}.content-layout{gap:40px}.split{gap:35px}}
@media(max-width:760px){.wrap{width:calc(100% - 36px)}.topbar{font-size:.68rem}.topbar .wrap span:last-child{display:none}.nav{height:74px;gap:12px}.brand{min-width:0}.brand strong{font-size:1.15rem}.brand small{font-size:.59rem}.nav>.btn{margin-left:auto;padding:10px 12px;font-size:.78rem}.menu-toggle{display:block}.navlinks{display:none;position:absolute;top:74px;background:#fff;left:0;right:0;padding:22px;border-bottom:1px solid var(--line);flex-direction:column;align-items:start}.navlinks.open{display:flex}.hero-grid{grid-template-columns:1fr;padding:35px 0 32px;gap:28px;min-height:0}.hero h1{font-size:3.7rem;max-width:520px}.eyebrow{font-size:.69rem;margin-bottom:12px}.hero-copy p{font-size:1rem}.hero-media>img{height:310px;border-radius:8px 8px 45px 8px}.image-note{left:13px;bottom:15px;padding:15px 20px}.image-note strong{font-size:1.2rem}.image-tag{font-size:.68rem;left:13px;top:13px}.trust-grid{grid-template-columns:1fr 1fr;padding:20px 0;gap:18px}.trust-item{gap:9px}.trust-item strong{font-size:.78rem}.trust-item small{font-size:.67rem}.trust-icon{width:30px;height:30px;font-size:16px;flex-shrink:0}.section{padding:54px 0}.section-head{display:block;margin-bottom:26px}.section-head h2{max-width:500px}.section-head p{margin-top:18px}.grid.three,.grid.four{grid-template-columns:1fr 1fr}.grid.two,.split,.faq-grid,.content-layout{grid-template-columns:1fr;gap:30px}.card>img{height:195px}.card-body{padding:21px}.quote-strip{grid-template-columns:1fr;padding:25px}.quick-form{grid-template-columns:1fr 1fr}.quick-form .btn{grid-column:1/-1}.split>img{height:330px}.area-links{grid-template-columns:1fr 1fr}.story-grid{grid-template-columns:repeat(5,180px);overflow-x:auto;padding-bottom:15px}.story{height:290px}.cta-band .wrap{display:block}.cta-band .actions{margin-bottom:0}.footer-grid{grid-template-columns:1fr 1fr;gap:30px}.footer-bottom{display:block}.footer-bottom span{display:block;margin:8px 0}.footer{padding-bottom:90px}.mobile-bar{position:fixed;bottom:0;z-index:25;left:0;right:0;display:grid;grid-template-columns:1fr 1fr;background:white;border-top:1px solid var(--line);padding:9px;gap:9px}.mobile-bar .btn{padding:12px 10px}.page-hero{padding-bottom:34px}.formbox{padding:23px}.formgrid{gap:14px}.sidebox{position:static}.article>img{height:280px}h2{font-size:2.6rem}}
@media(max-width:440px){.grid.three,.grid.four{grid-template-columns:1fr}.formgrid{grid-template-columns:1fr}.hero h1{font-size:3.35rem}.actions .btn{padding:13px 17px}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}@media print{header,.mobile-bar,.footer,.topbar,.sidebox{display:none}.content-layout{display:block}.section{padding:20px 0}a{color:#000}}
@media(max-width:760px){.nav .brand{gap:7px}.nav .brandmark{width:31px;height:38px;font-size:19px;flex-shrink:0}.nav .brand strong{font-size:.93rem;white-space:nowrap;letter-spacing:-.045em}.nav .brand small{font-size:.47rem;letter-spacing:.09em;white-space:nowrap}.nav>.btn{font-size:.72rem;white-space:nowrap;padding:10px}.menu-toggle{padding:7px}.hero-copy .quick-form{margin-top:23px}}@media(max-width:360px){.nav>.btn{display:none}.menu-toggle{margin-left:auto}}[hidden]{display:none!important}.btn:disabled{opacity:.65;cursor:wait;transform:none}

.article-toc{padding:22px 24px;background:var(--pale);border-left:3px solid var(--blue);margin-bottom:32px}.article-toc ul{columns:2;padding-left:20px;margin-bottom:0}.article-toc a{text-decoration:underline;text-underline-offset:3px}.article-toc li{break-inside:avoid;margin:6px 0}.breadcrumbs{display:flex;flex-wrap:wrap;gap:6px}.breadcrumbs a{text-decoration:underline}.footer a{overflow-wrap:anywhere}@media(max-width:760px){.article-toc ul{columns:1}}

.dark .calc p{color:var(--muted)}