:root{
  --navy:#082f73;--navy-deep:#061f4c;--blue:#104894;--blue-soft:#dce8f7;--yellow:#f7c84c;--cream:#f7f5ef;--ink:#12213b;--muted:#61708a;--line:#d7dce5;--white:#fff;--shadow:0 18px 55px rgba(4,24,61,.14);--sans:Arial,"Helvetica Neue",sans-serif;--display:Georgia,"Times New Roman",serif
 }
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:var(--cream);font-family:var(--sans);font-size:16px;line-height:1.6}
a{color:inherit;text-decoration-thickness:1px;text-underline-offset:3px}
button,input,select,textarea{font:inherit}
.container{width:min(1180px,calc(100% - 48px));margin:0 auto}.narrow{width:min(780px,calc(100% - 48px))}
.skip-link{position:absolute;left:16px;top:-60px;background:var(--yellow);padding:10px 14px;z-index:20}.skip-link:focus{top:16px}
.site-header{position:absolute;z-index:10;left:0;right:0;color:var(--white);padding:22px 0}.header-inner{display:flex;align-items:center;justify-content:space-between}.brand-logo{display:inline-flex;align-items:center;gap:10px;color:var(--white);font-family:var(--display);font-size:1.35rem;font-weight:800;letter-spacing:-.06em;text-decoration:none}.logo-mark{width:36px;height:36px;color:var(--navy-deep)}.logo-accent{color:var(--yellow)}.site-nav{display:flex;align-items:center;gap:27px;font-weight:600;font-size:.92rem}.site-nav a{text-decoration:none}.nav-cta{padding:11px 16px;background:var(--yellow);color:var(--navy-deep);border-radius:2px}.nav-toggle{display:none;border:1px solid rgba(255,255,255,.55);background:transparent;color:var(--white);padding:8px 12px;border-radius:2px}
.hero{min-height:720px;position:relative;display:flex;align-items:center;color:var(--white);overflow:hidden;background:var(--navy-deep)}.hero-image{position:absolute;inset:0;background-image:url("https://images.unsplash.com/photo-1556761175-b413da4baf72?auto=format&fit=crop&w=2200&q=85");background-size:cover;background-position:center}.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(3,23,57,.9) 0%,rgba(3,23,57,.58) 46%,rgba(3,23,57,.2) 100%),linear-gradient(0deg,rgba(3,23,57,.68),transparent 60%)}.hero-content{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start;padding:120px 0 68px}.hero-form{grid-column:2;grid-row:1;color:var(--ink)}.hero-copy{grid-column:1;grid-row:1}.eyebrow{margin:0 0 18px;color:var(--yellow);font-size:.75rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase}.hero h1{max-width:720px;margin:0;font-family:var(--display);font-size:clamp(3rem,5vw,5rem);line-height:.98;letter-spacing:-.075em}.hero-lead{max-width:540px;margin:26px 0 32px;font-size:1.12rem;line-height:1.6;color:rgba(255,255,255,.9)}
.button{display:inline-flex;align-items:center;justify-content:center;gap:14px;min-height:50px;padding:13px 21px;border:0;border-radius:2px;font-weight:700;text-decoration:none;cursor:pointer;transition:transform .2s,background .2s}.button:hover{transform:translateY(-2px)}.button-yellow{background:var(--yellow);color:var(--navy-deep)}.button-dark{width:100%;background:var(--navy);color:var(--white);font-size:1rem}.button-dark:hover{background:var(--blue)}
.blue-intro,.blue-close{background:var(--navy);color:var(--white)}.blue-intro{padding:84px 0}.intro-grid,.close-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:end}.intro-grid h2,.close-grid h2{max-width:550px;margin:0;font-family:var(--display);font-size:clamp(2rem,4vw,4rem);line-height:1.05;letter-spacing:-.06em}.intro-grid>p{max-width:430px;margin:0;color:rgba(255,255,255,.76);font-size:1.1rem}
.visual-links{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;padding-top:48px;padding-bottom:92px;background:var(--navy)}.visual-link{position:relative;min-height:355px;display:flex;flex-direction:column;justify-content:flex-end;padding:28px;color:var(--white);overflow:hidden;text-decoration:none;background-color:var(--blue);background-size:cover;background-position:center}.visual-link:after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(4,20,49,.87),rgba(4,20,49,.05) 75%)}.visual-link>*{position:relative;z-index:1}.visual-link span{position:absolute;top:22px;left:25px;font-size:.75rem;color:var(--yellow);letter-spacing:.1em}.visual-link strong{font-family:var(--display);font-size:1.65rem;line-height:1.05;letter-spacing:-.05em}.visual-link em{margin-top:10px;font-style:normal;color:var(--yellow);font-weight:700;font-size:.88rem}.visual-link-one{background-image:url("https://images.unsplash.com/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=1200&q=85")}.visual-link-two{background-image:url("https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=1200&q=85")}.visual-link-three{background-image:url("https://images.unsplash.com/photo-1521737711867-e3b97375f902?auto=format&fit=crop&w=1200&q=85")}
.application-section{background:var(--cream);padding:100px 0;scroll-margin-top:64px}.application-grid{display:grid;grid-template-columns:1fr;gap:0;align-items:start}.application-copy{max-width:780px;padding-top:0}.application-copy h2,.section-heading h2,.contact-details h2,.side-note h2{margin:0;font-family:var(--display);font-size:clamp(2.4rem,4.5vw,4.6rem);line-height:1.02;letter-spacing:-.07em}.application-copy>p:not(.eyebrow){max-width:610px;color:var(--muted);font-size:1.06rem}.plain-checks{list-style:none;padding:0;margin:30px 0 0}.plain-checks li{position:relative;padding:12px 0 12px 30px;border-bottom:1px solid var(--line);font-weight:600}.plain-checks li:before{content:"✓";position:absolute;left:0;color:var(--blue);font-weight:800}
.form-card{background:var(--white);padding:38px;box-shadow:var(--shadow);border-top:5px solid var(--yellow)}.form-card-heading{margin-bottom:26px}.form-card-heading h2{margin:0 0 5px;font-family:var(--display);font-size:2rem;line-height:1.05;letter-spacing:-.06em}.form-card-heading p:last-child{margin:0;color:var(--muted)}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}.field{margin-bottom:17px}.field label,fieldset legend{display:block;margin-bottom:7px;font-size:.82rem;font-weight:700;color:var(--ink)}input,select,textarea{width:100%;border:1px solid var(--line);border-radius:2px;background:#fff;color:var(--ink);padding:12px 13px;min-height:48px;outline:none}textarea{resize:vertical}input:focus,select:focus,textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(16,72,148,.12)}.field-error{display:none;color:#b42318;font-size:.75rem;margin-top:5px}.has-error input,.has-error select,.has-error textarea,.has-error input[type=checkbox]{border-color:#b42318}.has-error .field-error{display:block}.hint{display:block;color:var(--muted);font-size:.76rem;margin-top:5px}.consent{display:flex;align-items:flex-start;gap:11px;margin:14px 0;padding:14px;background:#f4f7fb;color:#43526b;font-size:.82rem;line-height:1.55}.consent input{flex:0 0 auto;width:20px;height:20px;min-height:20px;margin-top:2px;accent-color:var(--navy)}.consent a{color:var(--navy);font-weight:700}.consent b{color:var(--ink)}.required-consent{background:#eef3fa}.consent-note,.form-foot{color:var(--muted);font-size:.77rem;line-height:1.5}.form-foot{margin:15px 0 0}.form-success{display:none;padding:20px;background:#eef7f0;border-left:4px solid #25834e}.form-success.is-visible{display:block}.form-success strong,.form-success span{display:block}.form-success span{margin-top:6px;color:#4a5d53}
.steps-section{padding:102px 0;background:var(--white)}.section-heading{max-width:600px;margin-bottom:44px}.section-heading h2{font-size:clamp(2.4rem,5vw,4.8rem)}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:42px}.steps article{border-top:2px solid var(--navy);padding-top:20px}.step-number{color:var(--blue);font-size:.78rem;font-weight:800;letter-spacing:.16em}.steps h3{margin:40px 0 10px;font-family:var(--display);font-size:1.55rem;letter-spacing:-.05em}.steps p{margin:0;color:var(--muted);max-width:280px}.blue-close{padding:84px 0}.close-grid .button{justify-self:end}
.page-hero{padding:190px 0 92px;background:var(--navy);color:var(--white)}.page-hero h1{max-width:760px;margin:0;font-family:var(--display);font-size:clamp(3rem,7vw,6rem);line-height:1;letter-spacing:-.075em}.page-lead{max-width:660px;margin:25px 0 0;color:rgba(255,255,255,.75);font-size:1.12rem}.content-section,.contact-section,.simple-section{padding:100px 0}.split-content{display:grid;grid-template-columns:1fr 1fr;gap:100px}.split-content h2,.two-columns h2{font-family:var(--display);font-size:clamp(2.3rem,4vw,4rem);line-height:1.05;letter-spacing:-.07em;margin:0}.split-content p,.two-columns p{color:var(--muted);font-size:1.08rem}.quote-section{padding:115px 0;background:var(--yellow);color:var(--navy-deep)}.quote-section p{font-family:var(--display);font-size:clamp(2rem,4vw,4.2rem);line-height:1.08;letter-spacing:-.07em;margin:0}.alt{background:var(--blue-soft)}.two-columns{display:grid;grid-template-columns:1fr 1fr;gap:70px}.contact-section{background:var(--cream)}.contact-grid,.simple-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:90px;align-items:start}.contact-details{padding-top:25px}.contact-details h2{font-size:clamp(2.3rem,4vw,4.2rem)}.contact-details>p:not(.eyebrow){max-width:450px;color:var(--muted)}dl{margin:42px 0 0}dl div{padding:16px 0;border-top:1px solid var(--line)}dt{font-size:.75rem;text-transform:uppercase;letter-spacing:.12em;color:var(--muted)}dd{margin:5px 0 0;font-weight:600}.legal-section{padding:72px 0 110px}.legal-layout{display:grid;grid-template-columns:220px 1fr;gap:80px}.legal-toc{position:sticky;top:30px;align-self:start;display:flex;flex-direction:column;gap:9px;font-size:.86rem}.legal-toc p{margin:0 0 8px;text-transform:uppercase;letter-spacing:.12em;color:var(--blue);font-size:.72rem;font-weight:800}.legal-toc a{color:var(--muted);text-decoration:none}.legal-copy{max-width:760px}.legal-updated{color:var(--muted);font-size:.82rem}.legal-copy h2{margin:48px 0 12px;font-family:var(--display);font-size:1.7rem;line-height:1.15;letter-spacing:-.04em}.legal-copy h2:first-of-type{margin-top:32px}.legal-copy p,.legal-copy li{color:#4f5d73}.legal-copy a{color:var(--blue);font-weight:600}.callout{margin:24px 0;padding:23px 26px;border-left:4px solid var(--yellow);background:#fff}.callout p{margin:0}.callout p+p{margin-top:10px}.quote-box{padding:22px;background:var(--blue-soft);color:var(--navy);font-weight:600}.sms-samples{display:grid;gap:12px}.sms-samples p{padding:18px 20px;background:#f1f4f8;margin:0}.sms-samples strong{color:var(--navy)}.simple-section{background:var(--cream)}.side-note{padding-top:32px}.side-note h2{font-size:clamp(2.3rem,4vw,4rem)}.side-note>p:not(.eyebrow){color:var(--muted);max-width:450px}.side-note a{color:var(--blue);font-weight:700}fieldset{border:1px solid var(--line);margin:8px 0 16px;padding:14px 16px}.choice{display:block;margin:10px 0;color:var(--muted);font-size:.88rem}.choice input{width:18px;min-height:18px;vertical-align:middle;margin-right:6px;accent-color:var(--navy)}.not-found{min-height:640px;padding:210px 0 100px;background:var(--navy);color:var(--white)}.not-found h1{margin:0;font-family:var(--display);font-size:clamp(3rem,7vw,6rem);line-height:1;letter-spacing:-.08em}.not-found p:not(.eyebrow){max-width:420px;color:rgba(255,255,255,.72);font-size:1.1rem;margin:24px 0 30px}
.site-footer{padding:82px 0 26px;background:var(--navy-deep);color:var(--white)}.footer-grid{display:grid;grid-template-columns:1.4fr .7fr .9fr 1fr;gap:50px}.footer-brand p{max-width:260px;color:rgba(255,255,255,.62);font-size:.9rem}.footer-col h3,.footer-contact h3{margin:0 0 20px;color:var(--yellow);font-size:.75rem;letter-spacing:.15em;text-transform:uppercase}.footer-col a,.footer-contact>*{display:block;margin:0 0 10px;color:rgba(255,255,255,.74);font-size:.88rem;text-decoration:none}.footer-contact strong{color:var(--white)}.disclosure-block{margin-top:64px;padding-top:34px;border-top:1px solid rgba(255,255,255,.22);color:rgba(255,255,255,.62);font-size:.78rem}.disclosure-block h3{margin:0 0 12px;color:var(--white);font-size:.85rem;text-transform:uppercase;letter-spacing:.12em}.disclosure-block p{max-width:900px;margin:0 0 12px}.disclosure-block a{color:var(--yellow)}.footer-bottom{display:flex;justify-content:space-between;gap:20px;margin-top:40px;padding-top:22px;border-top:1px solid rgba(255,255,255,.12);color:rgba(255,255,255,.45);font-size:.75rem}.footer-bottom a{color:rgba(255,255,255,.68);text-decoration:none}
@media(max-width:800px){.container,.narrow{width:min(100% - 40px,720px)}.site-header{padding:18px 0}.nav-toggle{display:block}.site-nav{display:none;position:absolute;top:74px;left:20px;right:20px;padding:15px;background:var(--navy-deep);box-shadow:var(--shadow);flex-direction:column;align-items:stretch;gap:0}.site-nav.is-open{display:flex}.site-nav a{padding:13px 10px}.nav-cta{text-align:center;margin-top:8px}.hero{min-height:0}.hero-content{grid-template-columns:1fr;gap:34px;padding:100px 0 60px}.hero-form,.hero-copy{grid-column:1;grid-row:auto}.hero-form{grid-row:1}.hero-copy{grid-row:2}.hero h1{font-size:clamp(3.25rem,15vw,5rem)}.intro-grid,.close-grid,.application-grid,.split-content,.two-columns,.contact-grid,.simple-grid{grid-template-columns:1fr;gap:40px}.blue-intro{padding:62px 0}.visual-links{grid-template-columns:1fr;padding-top:30px;padding-bottom:62px}.visual-link{min-height:270px}.application-section,.content-section,.contact-section,.simple-section{padding:70px 0}.application-copy{padding-top:0}.form-card{padding:25px 20px}.steps-section{padding:70px 0}.steps{grid-template-columns:1fr;gap:28px}.steps h3{margin-top:22px}.blue-close{padding:62px 0}.close-grid .button{justify-self:start}.page-hero{padding:140px 0 66px}.legal-section{padding:50px 0 70px}.legal-layout{grid-template-columns:1fr;gap:30px}.legal-toc{position:static;display:grid;grid-template-columns:1fr 1fr}.legal-toc p{grid-column:1/-1}.footer-grid{grid-template-columns:1fr 1fr;gap:34px}.footer-brand{grid-column:1/-1}.footer-bottom{flex-direction:column}.not-found{min-height:560px;padding:170px 0 80px}}
@media(max-width:480px){.field-row{grid-template-columns:1fr;gap:0}.hero-lead{font-size:1rem}.visual-link{min-height:235px}.footer-grid{grid-template-columns:1fr}.footer-brand{grid-column:auto}.consent{font-size:.77rem}.legal-toc{grid-template-columns:1fr}.legal-toc p{grid-column:auto}}
 @media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button{transition:none}}
 .hero-brand,.hero-headline{display:block}.hero-brand{color:var(--yellow);font-size:1.22em}.hero-headline{margin-top:10px}
 .legal-disclosure{margin:28px 0;padding:26px;border-top:1px solid var(--line);background:#fff;color:#4f5d73;font-size:.92rem}.legal-disclosure h3{margin:0 0 12px;color:var(--navy);font-size:.9rem;text-transform:uppercase;letter-spacing:.12em}.legal-disclosure p{margin:0 0 12px;color:#4f5d73}.legal-disclosure a{color:var(--blue)}
 .preference-status{display:block;min-height:20px;margin:0;color:#b42318;font-size:.78rem}.preference-status.is-success{margin-top:22px;padding:20px;background:#eef7f0;border-left:4px solid #25834e;color:#4a5d53;font-size:.9rem}
 fieldset{border:0;padding:0;margin:22px 0}fieldset legend{padding:0}.choice{display:flex;align-items:flex-start;gap:10px;margin:9px 0;color:var(--muted);font-size:.88rem}.choice input{width:18px;min-height:18px;height:18px;margin-top:3px;accent-color:var(--navy)}.callout,.quote-box{margin:24px 0;padding:22px 24px;background:var(--blue-soft);border-left:4px solid var(--blue)}.callout p,.quote-box{margin:0 0 10px;color:var(--ink)}.callout p:last-child{margin-bottom:0}.quote-box a{color:var(--navy);font-weight:700}.sample-list{margin:28px 0}.sample-list>div{padding:18px 0;border-top:1px solid var(--line)}.sample-list strong{color:var(--navy)}.sample-list p{margin:6px 0 0;color:var(--muted)}.form-success:focus,.preference-status:focus{outline:3px solid rgba(16,72,148,.25);outline-offset:4px}.not-found{min-height:650px;padding:220px 0 100px;background:var(--navy);color:var(--white)}.not-found h1{margin:0;font-family:var(--display);font-size:clamp(3rem,7vw,6rem);line-height:1;letter-spacing:-.07em}.not-found p:not(.eyebrow){max-width:480px;margin:24px 0 32px;color:rgba(255,255,255,.75)}