:root{--color-navy:#004aad;--color-navy-dark:#00295e;--color-gold:#c9720b;--color-gold-dark:#a85f08;--color-sun:#f5a623;--color-bg:#fff;--color-bg-alt:#f7f8fa;--color-text:#1c2b36;--color-text-muted:#52606d;--color-border:#e1e6ea;--font-sans:-apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;--max-width:1160px;--radius:8px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:var(--font-sans);color:var(--color-text);background:var(--color-bg);margin:0;padding-bottom:64px;line-height:1.6}img{max-width:100%;height:auto;display:block}a{color:var(--color-navy)}h1,h2,h3,h4{color:var(--color-navy-dark);font-weight:700;line-height:1.2}h1{margin:0 0 .5rem;font-size:clamp(1.9rem,4vw,2.75rem)}h2{margin:2.5rem 0 1rem;font-size:clamp(1.4rem,2.6vw,1.9rem)}h3{margin:1.75rem 0 .75rem;font-size:1.2rem}p{margin:0 0 1rem}.container{max-width:var(--max-width);margin:0 auto;padding:0 1.25rem}.prose{max-width:760px}.prose ul,.prose 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var(--color-border);border-radius:var(--radius);color:var(--color-text);background:#fff;padding:1.4rem;text-decoration:none;transition:box-shadow .15s,border-color .15s}.card:hover{border-color:var(--color-navy);box-shadow:0 4px 14px #004aad1a}.card h3{color:var(--color-navy-dark);margin-top:0}.card p{color:var(--color-text-muted);margin-bottom:0;font-size:.92rem}section{padding:2.5rem 0}section.alt{background:var(--color-bg-alt)}.cta-block{background:var(--color-bg-alt);border:1px solid var(--color-border);border-left:4px solid var(--color-gold);border-radius:var(--radius);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:1rem;margin:2rem 0;padding:1.25rem 1.5rem;display:flex}.cta-block p{color:var(--color-navy-dark);margin:0;font-weight:600}.faq-item{border-bottom:1px solid var(--color-border);padding:.9rem 0}.faq-item summary{cursor:pointer;color:var(--color-navy-dark);justify-content:space-between;gap:1rem;font-weight:700;list-style:none;display:flex}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";color:var(--color-gold);flex-shrink:0;font-size:1.3rem}.faq-item[open] summary:after{content:"−"}.faq-item .faq-answer{color:var(--color-text-muted);margin-top:.65rem}.breadcrumbs{color:var(--color-text-muted);margin-bottom:1rem;font-size:.82rem}.breadcrumbs a{color:var(--color-text-muted);text-decoration:none}.breadcrumbs a:hover{text-decoration:underline}.site-footer{background:var(--color-navy-dark);color:#cfdbe3;margin-top:3rem;padding:3rem 0 2rem;font-size:.9rem}.site-footer a{color:#cfdbe3}.footer-grid{grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:2rem;display:grid}.footer-grid h4{color:#fff;text-transform:uppercase;letter-spacing:.05em;margin-bottom:.75rem;font-size:.85rem}.footer-logo{width:130px;height:auto;margin-bottom:.75rem}.footer-grid ul{margin:0;padding:0;list-style:none}.footer-grid li{margin-bottom:.5rem}.footer-disclosure{color:#9fb2bf;border-top:1px solid #ffffff1f;margin-top:2rem;padding-top:1.5rem;font-size:.82rem}.sticky-call-bar{z-index:50;background:var(--color-gold);padding:.7rem 1rem calc(.7rem + env(safe-area-inset-bottom));text-align:center;position:fixed;bottom:0;left:0;right:0}.sticky-call-bar a{color:#fff;font-size:1.05rem;font-weight:800;text-decoration:none;display:block}@media (width>=900px){.sticky-call-bar{display:none}body{padding-bottom:0}}.tag-row{flex-wrap:wrap;gap:.5rem;margin:1rem 0;display:flex}.tag{background:var(--color-bg-alt);border:1px solid var(--color-border);color:var(--color-navy-dark);border-radius:999px;padding:.3rem .8rem;font-size:.82rem;font-weight:600;text-decoration:none}.tag:hover{border-color:var(--color-navy)}.region-label{background:var(--color-sun);color:#4a2f00;text-transform:uppercase;letter-spacing:.03em;border-radius:4px;margin-bottom:.5rem;padding:.2rem .55rem;font-size:.72rem;font-weight:700;display:inline-block}.quote-form{border:1px solid 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