:root{--navy:#11283f;--navy-2:#1d3a56;--gold:#c6a66b;--gold-dark:#765719;--paper:#f7f8fa;--white:#fff;--ink:#24394d;--muted:#5b6c7d;--line:#dce2e8;--soft:#eef2f5;--green:#2f746a;--focus:#8a661f}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:96px}body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}a{color:var(--gold-dark);font-weight:750;text-underline-offset:3px}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid var(--focus);outline-offset:4px}.skip-link{position:absolute;left:18px;top:-120px;z-index:100;background:#fff;color:var(--navy);padding:12px 16px;border-radius:8px}.skip-link:focus{top:12px}.site-header{background:#fff;border-bottom:1px solid var(--line)}.site-nav{max-width:1180px;margin:auto;padding:12px 22px;display:flex;align-items:center;justify-content:space-between;gap:22px}.site-logo{display:flex;align-items:center;flex:0 1 240px}.site-logo img{display:block;width:230px;height:auto}.nav-links{display:flex;align-items:center;justify-content:flex-end;gap:16px;flex-wrap:wrap}.nav-links a{color:var(--navy);font-size:14px;text-decoration:none}.nav-links a:hover,.nav-links a[aria-current="page"]{color:var(--gold-dark);text-decoration:underline}.nav-cta{background:var(--navy);color:#fff!important;padding:9px 14px;border-radius:9px}.trust-hero{background:linear-gradient(135deg,var(--navy),#263f59);color:#fff}.hero-inner{max-width:1080px;margin:auto;padding:58px 24px 52px}.eyebrow{text-transform:uppercase;letter-spacing:.18em;font-size:12px;font-weight:850;color:var(--gold)}h1,h2,h3{line-height:1.15;letter-spacing:-.025em}h1{font-size:clamp(38px,6vw,62px);margin:12px 0 16px;max-width:900px}h2,h3{color:var(--navy)}h2{font-size:clamp(28px,4vw,40px);margin:0 0 14px}h3{font-size:21px;margin:0 0 8px}.hero-inner>p{color:#e2eaf0;font-size:clamp(17px,2vw,20px);max-width:820px;margin:0}.hero-actions,.button-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.button,button.print-button{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:10px 18px;border-radius:10px;background:var(--gold);color:var(--navy);font:inherit;font-weight:850;text-decoration:none;border:1px solid transparent;cursor:pointer}.button.secondary{background:transparent;color:#fff;border-color:#91a2b2}.button.dark,button.print-button{background:var(--navy);color:#fff}.section{max-width:1080px;margin:auto;padding:58px 24px}.section.compact{padding-top:34px;padding-bottom:34px}.section-intro{max-width:780px;margin-bottom:30px}.section-intro p,.card p,.muted{color:var(--muted)}.grid{display:grid;gap:18px}.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}.grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;box-shadow:0 8px 22px #11283f08}.card.accent{border-top:5px solid var(--gold)}.card.green{border-top:5px solid var(--green)}.card ul{padding-left:21px}.card li+li{margin-top:7px}.kicker{color:var(--gold-dark);text-transform:uppercase;letter-spacing:.12em;font-size:11px;font-weight:850}.status{display:inline-block;border-radius:999px;padding:5px 9px;font-size:12px;font-weight:850;background:#e8f3ef;color:#245e55}.status.review{background:#fff4d8;color:#6f531a}.band{background:var(--soft);border-block:1px solid var(--line)}.callout{padding:22px;border-left:5px solid var(--gold);background:#fff;border-radius:0 14px 14px 0}.callout strong{color:var(--navy)}.toc{display:flex;gap:9px;flex-wrap:wrap}.toc a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 12px;text-decoration:none;color:var(--navy);font-size:14px}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:14px;background:#fff}.trust-table{width:100%;border-collapse:collapse;min-width:760px}.trust-table th,.trust-table td{text-align:left;padding:13px 14px;border-bottom:1px solid var(--line);vertical-align:top}.trust-table th{background:var(--navy);color:#fff}.trust-table tr:last-child td{border-bottom:0}.definition-list{display:grid;grid-template-columns:minmax(180px,.45fr) 1fr;gap:0;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden}.definition-list dt,.definition-list dd{margin:0;padding:13px 15px;border-bottom:1px solid var(--line)}.definition-list dt{font-weight:850;color:var(--navy);background:var(--soft)}.definition-list dt:last-of-type,.definition-list dd:last-of-type{border-bottom:0}.checklist{display:grid;gap:10px}.check-item{display:grid;grid-template-columns:auto 1fr;gap:12px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px}.check-item input{width:20px;height:20px;margin-top:3px;accent-color:var(--navy)}.check-item strong{display:block;color:var(--navy)}.check-item small{color:var(--muted)}.progress-box{position:sticky;top:12px;background:var(--navy);color:#fff;padding:14px 18px;border-radius:12px;margin-bottom:20px}.faq-list{display:grid;gap:12px}.faq-list details{background:#fff;border:1px solid var(--line);border-radius:13px;padding:0 20px}.faq-list summary{cursor:pointer;color:var(--navy);font-weight:850;padding:18px 34px 18px 0}.faq-list p,.faq-list ul{margin-top:0}.notice{font-size:14px;color:var(--muted)}.site-footer{background:var(--navy);color:#dce5ed;padding:38px 24px}.footer-inner{max-width:1080px;margin:auto;display:grid;grid-template-columns:1.2fr 2fr;gap:32px}.footer-inner strong{color:#fff}.footer-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:9px 18px}.footer-links a{color:#fff;font-size:14px}.subfooter{max-width:1080px;margin:22px auto 0;padding-top:18px;border-top:1px solid #ffffff26;font-size:13px}.one-page{font-size:15px}.one-page h2{font-size:25px}.one-page .section{padding-top:35px}.source-list li+li{margin-top:8px}@media(max-width:760px){.site-nav{flex-direction:column}.nav-links{justify-content:center}.grid.two,.grid.three{grid-template-columns:1fr}.footer-inner{grid-template-columns:1fr}.footer-links{grid-template-columns:1fr 1fr}.definition-list{grid-template-columns:1fr}.definition-list dt{border-bottom:0}.hero-inner{padding:44px 20px}.section{padding:45px 20px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}@media print{body{background:#fff;font-size:10.5pt;line-height:1.35}.site-header,.site-footer,.no-print,.print-button{display:none!important}.trust-hero{background:#fff;color:#11283f;border-bottom:2px solid #11283f}.hero-inner{padding:0 0 16px}.hero-inner>p{color:#24394d}.section{max-width:none;padding:18px 0}.card,.table-wrap,.definition-list,.check-item,.callout{box-shadow:none;break-inside:avoid}.grid.two,.grid.three{grid-template-columns:repeat(2,1fr)}a{color:#24394d;text-decoration:none}.one-page .trust-hero{border:0}.one-page .hero-inner{padding-bottom:8px}.one-page .section{padding:8px 0}.one-page .card{padding:10px}.one-page h1{font-size:26pt}.one-page h2{font-size:16pt}.one-page h3{font-size:12pt}.one-page p,.one-page li{margin-top:3px;margin-bottom:3px}.one-page .grid{gap:8px}@page{margin:.55in}}