:root{--ink:#102a36;--muted:#526872;--navy:#0b3448;--navy-2:#062736;--blue:#176b87;--teal:#0c7c73;--mint:#e9f6f2;--sky:#eef7fa;--cream:#fbfaf6;--white:#fff;--line:#d8e4e7;--danger:#8f2d24;--shadow:0 18px 50px rgba(11,52,72,.10);--radius:22px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--cream);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.65}a{color:var(--blue);text-underline-offset:3px}img{display:block;max-width:100%;height:auto}.skip-link{position:fixed;left:16px;top:-80px;z-index:1000;background:var(--white);padding:10px 14px;border-radius:8px}.skip-link:focus{top:16px}.site-header{position:sticky;top:0;z-index:50;background:rgba(251,250,246,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.nav-shell{max-width:1180px;margin:auto;min-height:74px;padding:12px 24px;display:flex;align-items:center;gap:26px}.brand{color:var(--navy);text-decoration:none;font-size:1.28rem;font-weight:850;letter-spacing:-.04em;white-space:nowrap}.brand span{color:var(--teal)}.main-nav{display:flex;align-items:center;gap:20px;margin-left:auto}.main-nav a{color:var(--ink);text-decoration:none;font-size:.92rem;font-weight:700}.main-nav a:hover,.main-nav a:focus{color:var(--teal)}.header-phone{color:var(--white);background:var(--navy);text-decoration:none;font-weight:800;padding:10px 15px;border-radius:999px;white-space:nowrap}.hero{background:linear-gradient(135deg,#eef8f7 0%,#f7fbfc 58%,#fff 100%);border-bottom:1px solid var(--line)}.hero-grid{max-width:1180px;margin:auto;padding:78px 24px 70px;display:grid;grid-template-columns:minmax(0,1.2fr) minmax(320px,.8fr);align-items:center;gap:58px}.eyebrow,.kicker{margin:0 0 12px;color:var(--teal);font-size:.78rem;font-weight:850;letter-spacing:.14em;text-transform:uppercase}.hero h1{max-width:820px;margin:0;font-size:clamp(2.55rem,5.7vw,5.2rem);line-height:.98;letter-spacing:-.055em}.hero-copy{max-width:760px;margin:25px 0 0;color:var(--muted);font-size:1.16rem}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}.button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 20px;border:1px solid transparent;border-radius:999px;text-decoration:none;font-weight:820;line-height:1.2}.button.primary{color:var(--white);background:var(--navy)}.button.primary:hover{background:var(--blue)}.button.secondary{color:var(--navy);background:var(--white);border-color:var(--line)}.button.light{color:var(--navy);background:var(--white)}.button.wide{width:100%}.microcopy{margin:13px 0 0;color:var(--muted);font-size:.82rem}.hero-media,.media-card{margin:0;overflow:hidden;border-radius:var(--radius);background:var(--white);box-shadow:var(--shadow)}.hero-media img,.media-card img{aspect-ratio:11/6;object-fit:cover}.hero-media figcaption,.media-card figcaption{padding:10px 15px;color:var(--muted);font-size:.76rem}.hero-note{padding:34px;background:var(--navy);color:var(--white);border-radius:var(--radius);box-shadow:var(--shadow)}.hero-note strong{display:block;font-size:1.45rem;line-height:1.2}.hero-note .note-kicker{display:block;margin-bottom:10px;color:#84d8ca;font-size:.75rem;font-weight:850;letter-spacing:.12em;text-transform:uppercase}.hero-note ul{margin:20px 0 0;padding-left:20px;color:#cae2e8}.hero-note li{margin:8px 0}.section{max-width:1180px;margin:0 auto;padding:80px 24px}.section.band{max-width:none;padding-left:max(24px,calc((100% - 1132px)/2));padding-right:max(24px,calc((100% - 1132px)/2));background:var(--sky);border-block:1px solid var(--line)}.section-heading{max-width:760px;margin-bottom:34px}.section h2,.legal-card h2{margin:0 0 14px;font-size:clamp(1.75rem,3vw,2.7rem);line-height:1.12;letter-spacing:-.035em}.section h3{margin:0 0 8px;font-size:1.13rem;line-height:1.25}.section p{color:var(--muted)}.lead{font-size:1.16rem}.split-intro,.two-col,.contact-layout{display:grid;grid-template-columns:1.08fr .92fr;gap:54px;align-items:start}.card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.card{padding:26px;background:var(--white);border:1px solid var(--line);border-radius:18px;box-shadow:0 8px 30px rgba(11,52,72,.04)}.card p{margin:0}.text-link{display:inline-block;margin-top:14px;font-weight:800;text-decoration:none}.check-panel,.stat-panel{padding:30px;background:var(--mint);border:1px solid #bee1d9;border-radius:var(--radius)}.stat-panel strong{display:block;margin:8px 0;font-size:2rem;line-height:1.05}.stat-label{margin:0;color:var(--teal)!important;font-size:.75rem;font-weight:850;letter-spacing:.12em;text-transform:uppercase}.check-list{margin:16px 0 0;padding:0;list-style:none}.check-list li{position:relative;margin:12px 0;padding-left:28px;color:var(--muted)}.check-list li:before{content:"✓";position:absolute;left:0;color:var(--teal);font-weight:900}.check-list.negative li:before{content:"×";color:var(--danger)}.steps{margin:0;padding:0;list-style:none;display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:14px}.steps-3{grid-template-columns:repeat(3,minmax(0,1fr))}.steps li{padding:22px;background:var(--white);border:1px solid var(--line);border-radius:18px}.steps li>span{display:grid;place-items:center;width:34px;height:34px;margin-bottom:18px;border-radius:50%;background:var(--navy);color:var(--white);font-weight:850}.steps p{margin:0;font-size:.91rem}.callout{margin-top:30px;margin-bottom:30px;padding:46px;background:var(--navy);color:var(--white);border-radius:var(--radius)}.callout h2{color:var(--white)}.callout p,.callout li{color:#d7e9ed}.callout.danger{background:#5f2b28}.resources{display:grid;grid-template-columns:1fr 1fr;gap:50px;background:var(--mint);border-radius:var(--radius);margin-top:70px;margin-bottom:70px}.source-list{margin:0;padding:0;list-style:none}.source-list li{margin:10px 0}.source-list a{display:block;padding:13px 16px;background:var(--white);border:1px solid #cbe2de;border-radius:12px;text-decoration:none;font-weight:750}.faq-section{padding-top:60px}.faq-list{display:grid;gap:12px}.faq-list details{background:var(--white);border:1px solid var(--line);border-radius:15px}.faq-list summary{cursor:pointer;padding:20px 22px;font-weight:820;list-style-position:inside}.faq-list details div{padding:0 22px 20px}.faq-list p{margin:0}.final-cta{max-width:1180px;margin:40px auto 80px;padding:38px 42px;display:flex;align-items:center;justify-content:space-between;gap:28px;background:var(--teal);color:var(--white);border-radius:var(--radius)}.final-cta h2{margin:0;font-size:2rem}.final-cta p{margin:8px 0 0;color:#def6f1}.final-cta .kicker{color:#dffbf6}.contact-card{padding:38px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}.contact-card h2 a{text-decoration:none}.legal-shell{max-width:900px;margin:0 auto;padding:70px 24px}.legal-card{padding:48px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}.legal-card h1{margin:0 0 28px;font-size:clamp(2.4rem,5vw,4rem);letter-spacing:-.05em}.legal-card h2{margin-top:38px;font-size:1.55rem}.legal-card p,.legal-card li{color:var(--muted)}.not-found{min-height:100vh;display:grid;place-items:center;padding:24px;background:var(--sky)}.not-found>div{max-width:680px;padding:52px;background:var(--white);border-radius:var(--radius);box-shadow:var(--shadow)}.not-found h1{margin:0;font-size:clamp(2.6rem,7vw,5rem);line-height:1;letter-spacing:-.05em}.site-footer{padding:64px max(24px,calc((100% - 1132px)/2)) 30px;background:var(--navy-2);color:var(--white)}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:40px}.footer-grid h2{margin:0 0 14px;color:#b7d7df;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase}.footer-grid a:not(.brand){display:block;margin:8px 0;color:#e4f0f3;text-decoration:none}.footer-grid p{max-width:360px;color:#b7cbd1}.footer-brand{color:var(--white)}.footer-phone{font-size:1.22rem;font-weight:850}.footer-disclaimer{margin-top:42px;padding-top:25px;border-top:1px solid #315261}.footer-disclaimer p{color:#a9c1c8;font-size:.78rem}.footer-disclaimer a{color:#dcecef}@media(max-width:980px){.main-nav{display:none}.header-phone{margin-left:auto}.hero-grid{grid-template-columns:1fr;gap:34px}.hero-media,.hero-note{max-width:700px}.card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.steps{grid-template-columns:repeat(2,minmax(0,1fr))}.footer-grid{grid-template-columns:1.3fr 1fr 1fr}.footer-grid>div:last-child{grid-column:2}}@media(max-width:700px){.nav-shell{padding-inline:16px}.header-phone{font-size:0;width:45px;height:45px;padding:0}.header-phone:after{content:"Call";font-size:.78rem}.hero-grid{padding:54px 18px}.hero h1{font-size:clamp(2.45rem,13vw,3.8rem)}.section{padding:60px 18px}.section.band{padding-inline:18px}.split-intro,.two-col,.contact-layout,.resources{grid-template-columns:1fr;gap:28px}.card-grid,.steps{grid-template-columns:1fr}.callout{margin-inline:12px;padding:30px 24px}.resources{margin-inline:12px;padding:38px 24px}.final-cta{margin:20px 12px 60px;padding:32px 24px;display:block}.final-cta .button{margin-top:20px}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}.footer-grid>div:last-child{grid-column:auto}.legal-card{padding:30px 22px}.site-footer{padding-inline:22px}}
:root{--accent:#f2b84b}
:focus-visible{outline:3px solid var(--accent);outline-offset:3px;border-radius:4px}
.mobile-menu{position:relative;display:none;margin-left:auto}
.mobile-menu summary{min-height:44px;padding:9px 14px;display:flex;align-items:center;gap:9px;cursor:pointer;color:var(--navy);background:var(--white);border:1px solid var(--line);border-radius:999px;font-size:.86rem;font-weight:820;list-style:none}
.mobile-menu summary::-webkit-details-marker{display:none}
.mobile-menu summary:after{content:"+";font-size:1.12rem;line-height:1}
.mobile-menu[open] summary:after{content:"×"}
.mobile-menu nav{position:absolute;top:calc(100% + 12px);right:0;width:min(330px,calc(100vw - 32px));padding:12px;background:var(--white);border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow)}
.mobile-menu nav a{display:block;padding:11px 12px;color:var(--ink);text-decoration:none;font-weight:760;border-radius:10px}
.mobile-menu nav a:hover,.mobile-menu nav a:focus{color:var(--teal);background:var(--mint)}
.phone-short{display:none}
.button,.card,.source-list a{transition:transform .18s ease,box-shadow .18s ease,background-color .18s ease,border-color .18s ease}
.button:hover{transform:translateY(-1px);box-shadow:0 10px 24px rgba(11,52,72,.13)}
.card:hover,.source-list a:hover{transform:translateY(-2px);border-color:#b9d6d7;box-shadow:0 16px 36px rgba(11,52,72,.08)}
.faq-list summary{min-height:58px}
.voice-answer-section{max-width:1180px;margin:0 auto;padding:0 24px}.voice-answer-card{max-width:920px;margin:-28px 0 0;padding:27px 30px;position:relative;z-index:2;background:var(--white);border:1px solid var(--line);border-left:6px solid var(--teal);border-radius:18px;box-shadow:0 14px 38px rgba(11,52,72,.09)}.voice-answer-card h2{margin:0;font-size:clamp(1.42rem,2.5vw,2rem);line-height:1.18;letter-spacing:-.025em}.voice-answer-card .voice-answer-text{max-width:820px;margin:12px 0 0;color:#3f5761;font-size:1.05rem;line-height:1.72}.voice-faq-section{padding-top:56px;background:var(--sky);border-radius:var(--radius);margin-top:30px;margin-bottom:70px}.quick-answer-heading{scroll-margin-top:100px}.article-content .quick-answer-text{margin:0 0 38px;padding:25px 28px;background:var(--mint);border:1px solid #bee1d9;border-left:6px solid var(--teal);border-radius:16px;color:var(--ink);font-size:1.08rem;line-height:1.75}.article-content .quick-answer-heading+.quick-answer-text{margin-top:0}
.blog-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.blog-card{overflow:hidden;display:flex;flex-direction:column;background:var(--white);border:1px solid var(--line);border-radius:20px;box-shadow:0 10px 32px rgba(11,52,72,.06);transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}.blog-card:hover{transform:translateY(-3px);border-color:#b9d6d7;box-shadow:0 18px 44px rgba(11,52,72,.1)}.blog-card-image{display:block;overflow:hidden;background:var(--sky)}.blog-card-image img{width:100%;aspect-ratio:16/9;object-fit:cover;transition:transform .35s ease}.blog-card:hover .blog-card-image img{transform:scale(1.025)}.blog-card-body{display:flex;flex:1;flex-direction:column;padding:24px}.blog-card-body h3{margin:0;font-size:1.28rem;line-height:1.22}.blog-card-body h3 a{color:var(--ink);text-decoration:none}.blog-card-body>p:not(.blog-meta){flex:1;margin:12px 0 0;color:var(--muted)}.blog-meta{margin:0 0 10px!important;color:var(--teal)!important;font-size:.72rem!important;font-weight:850;letter-spacing:.08em;text-transform:uppercase}.blog-all-link{margin:30px 0 0;text-align:center}.blog-hub-hero{padding:92px max(24px,calc((100% - 980px)/2));text-align:center;background:linear-gradient(135deg,var(--mint),var(--sky) 60%,var(--white));border-bottom:1px solid var(--line)}.blog-hub-hero>div{max-width:900px;margin:auto}.blog-hub-hero h1{margin:0;font-size:clamp(2.8rem,6vw,5.4rem);line-height:.98;letter-spacing:-.055em}.blog-hub-hero>div>p:not(.eyebrow){max-width:760px;margin:24px auto 0;color:var(--muted);font-size:1.16rem}.blog-hub-hero .hero-actions{justify-content:center}.blog-library{padding-top:70px}.article-hero{background:linear-gradient(135deg,#eef8f7 0%,#f8fbfc 60%,#fff);border-bottom:1px solid var(--line)}.article-hero-grid{max-width:1180px;margin:auto;padding:62px 24px;display:grid;grid-template-columns:minmax(0,1.05fr) minmax(360px,.95fr);align-items:center;gap:52px}.article-hero h1{margin:0;font-size:clamp(2.65rem,5.4vw,5rem);line-height:1;letter-spacing:-.055em}.article-byline{margin:22px 0 0;color:var(--muted);font-size:.86rem}.breadcrumbs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:26px;color:var(--muted);font-size:.8rem}.breadcrumbs a{color:var(--muted)}.article-hero-media{margin:0;overflow:hidden;background:var(--white);border-radius:var(--radius);box-shadow:var(--shadow)}.article-hero-media img{width:100%;aspect-ratio:16/9;object-fit:cover}.article-hero-media figcaption{padding:10px 15px;color:var(--muted);font-size:.74rem}.article-layout{max-width:1180px;margin:auto;padding:74px 24px;display:grid;grid-template-columns:minmax(0,760px) minmax(260px,330px);gap:70px;align-items:start}.article-content{min-width:0}.article-content>p:first-of-type{font-size:1.2rem;line-height:1.72;color:var(--ink)}.article-content h2{margin:58px 0 16px;padding-top:8px;font-size:clamp(1.75rem,3vw,2.45rem);line-height:1.12;letter-spacing:-.035em}.article-content h3{margin:38px 0 12px;font-size:1.35rem;line-height:1.25}.article-content p,.article-content li{color:#3f5761;font-size:1.01rem;line-height:1.78}.article-content p{margin:0 0 20px}.article-content ul,.article-content ol{margin:18px 0 28px;padding-left:24px}.article-content li{margin:9px 0;padding-left:4px}.article-content a{font-weight:700}.article-content #quick-answer+ul{margin:0 0 38px;padding:26px 28px 26px 48px;background:var(--mint);border:1px solid #bee1d9;border-radius:20px}.article-content #quick-answer{margin-bottom:14px}.article-content code{padding:.12em .35em;background:var(--sky);border-radius:4px}.editorial-note{margin:44px 0 28px;padding:26px 28px;background:var(--sky);border-left:5px solid var(--teal);border-radius:0 16px 16px 0;color:var(--muted);line-height:1.7}.table-wrap{max-width:100%;margin:28px 0 36px;overflow-x:auto;border:1px solid var(--line);border-radius:16px}.table-wrap table{width:100%;border-collapse:collapse;background:var(--white);font-size:.91rem}.table-wrap th,.table-wrap td{padding:14px 16px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}.table-wrap th{background:var(--navy);color:var(--white)}.table-wrap tr:last-child td{border-bottom:0}.article-sidebar{position:sticky;top:98px;display:grid;gap:20px}.toc-card,.sidebar-cta{padding:26px;border-radius:20px}.toc-card{background:var(--white);border:1px solid var(--line);box-shadow:0 8px 28px rgba(11,52,72,.05)}.toc-title{margin:0 0 12px;color:var(--ink);font-weight:850}.toc-card nav{display:grid}.toc-card a{padding:8px 0;color:var(--muted);font-size:.86rem;line-height:1.25;text-decoration:none;border-bottom:1px solid #edf2f3}.toc-card a:last-child{border-bottom:0}.toc-card a:hover{color:var(--teal)}.sidebar-cta{background:var(--navy);color:var(--white)}.sidebar-cta h2{margin:0;font-size:1.55rem;line-height:1.1}.sidebar-cta p:not(.kicker){color:#c8dde3}.sidebar-cta .kicker{color:#83d9cb}.related-posts{padding-top:48px}
@media(max-width:980px){.mobile-menu{display:block;margin-left:0}.header-phone{margin-left:auto}.blog-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.article-hero-grid{grid-template-columns:1fr;gap:34px}.article-hero-media{max-width:760px}.article-layout{grid-template-columns:1fr;gap:42px}.article-sidebar{position:static;grid-template-columns:1fr 1fr}.toc-card{order:2}}
@media(max-width:700px){.nav-shell{gap:10px}.brand{font-size:1.12rem}.mobile-menu summary{padding-inline:12px}.header-phone:after{content:none}.header-phone .phone-full{display:none}.header-phone .phone-short{display:inline;font-size:.78rem}.hero h1{font-size:clamp(2.35rem,12vw,3.45rem)}.voice-answer-section{padding:0 18px}.voice-answer-card{margin-top:-18px;padding:23px 22px}.voice-answer-card .voice-answer-text{font-size:1rem}.voice-faq-section{margin-inline:12px;padding-inline:18px}.blog-grid{grid-template-columns:1fr}.blog-hub-hero{padding:66px 18px}.blog-hub-hero h1{font-size:clamp(2.65rem,12vw,4rem)}.article-hero-grid{padding:42px 18px}.article-hero h1{font-size:clamp(2.45rem,11.5vw,3.8rem)}.article-layout{padding:54px 18px}.article-content h2{margin-top:46px}.article-content #quick-answer+ul{padding:22px 22px 22px 42px}.article-content .quick-answer-text{padding:22px 20px}.article-sidebar{grid-template-columns:1fr}.toc-card{order:0}}
@media(max-width:460px){.footer-grid{grid-template-columns:1fr}.footer-grid>div:first-child,.footer-grid>div:last-child{grid-column:auto}}
.voice-answer-section{width:100%;max-width:1180px;margin:0 auto;padding:36px 24px 0;min-width:0}.voice-answer-card{width:100%;max-width:920px;margin:0;min-width:0}.voice-answer-card,.voice-answer-card h2,.voice-answer-card .voice-answer-text{overflow-wrap:anywhere}.article-content,.article-content #quick-answer,.article-content .quick-answer-text,.article-content .quick-answer-list,.article-content #quick-answer+ul{min-width:0;max-width:100%;overflow-wrap:anywhere}.article-content .quick-answer-text,.article-content .quick-answer-list,.article-content #quick-answer+ul{width:100%;margin-left:0;margin-right:0}@media(max-width:700px){.voice-answer-section{padding:28px 18px 0}.voice-answer-card{width:100%;max-width:100%;margin:0}.article-content .quick-answer-text,.article-content .quick-answer-list,.article-content #quick-answer+ul{max-width:100%}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button,.card,.source-list a,.blog-card,.blog-card-image img{transition:none}.button:hover,.card:hover,.source-list a:hover,.blog-card:hover{transform:none}}
@media(max-width:700px){.nav-shell{width:100%;padding-inline:12px;gap:8px}.brand{min-width:0;font-size:1.05rem}.header-phone{display:inline-flex;align-items:center;justify-content:center;flex:0 0 58px;width:58px;min-width:58px;height:44px;margin-left:auto;padding:0;overflow:hidden;line-height:1}.header-phone .phone-short{display:block;width:auto;font-size:.78rem;line-height:1;text-align:center}.mobile-menu{flex:0 0 auto}.mobile-menu summary{min-width:78px;justify-content:center;padding:9px 10px}}