:root{--navy-900: #08172c;--navy-800: #0f2340;--navy-700: #16304f;--navy-600: #1d4e89;--steel-600: #3f6b9b;--steel-500: #5b87b5;--steel-300: #a8c3de;--steel-100: #e7eef6;--gold-600: #8f7132;--gold-500: #b08d3f;--gold-200: #e8dcc0;--ink-900: #10192a;--ink-700: #33415a;--ink-500: #5b6879;--ink-300: #8f9bad;--surface: #ffffff;--surface-tint: #f6f9fc;--surface-line: #e2e9f1;--font-display: "Iowan Old Style", "Palatino Linotype", "Source Serif Pro", Georgia, "Times New Roman", serif;--font-body: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;--step--1: clamp(.82rem, .79rem + .14vw, .9rem);--step-0: clamp(1rem, .96rem + .2vw, 1.08rem);--step-1: clamp(1.16rem, 1.09rem + .34vw, 1.34rem);--step-2: clamp(1.4rem, 1.27rem + .62vw, 1.78rem);--step-3: clamp(1.68rem, 1.45rem + 1.05vw, 2.4rem);--step-4: clamp(2.05rem, 1.6rem + 1.9vw, 3.2rem);--step-5: clamp(2.4rem, 1.7rem + 3vw, 4rem);--space-1: .25rem;--space-2: .5rem;--space-3: .75rem;--space-4: 1rem;--space-5: 1.5rem;--space-6: 2rem;--space-7: 3rem;--space-8: 4rem;--space-9: 6rem;--radius-sm: 4px;--radius: 8px;--radius-lg: 14px;--shadow-sm: 0 1px 2px rgba(8, 23, 44, .06), 0 2px 8px rgba(8, 23, 44, .05);--shadow: 0 6px 18px rgba(8, 23, 44, .09);--shadow-lg: 0 22px 60px rgba(8, 23, 44, .18);--container: 1180px;--container-narrow: 820px;--header-h: 78px;--ease: cubic-bezier(.22, .61, .36, 1)}*,*:before,*:after{box-sizing:border-box}*{margin:0}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:96px}@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto}}body{font-family:var(--font-body);font-size:var(--step-0);line-height:1.65;color:var(--ink-700);background:var(--surface);-webkit-font-smoothing:antialiased}h1,h2,h3,h4{font-family:var(--font-display);color:var(--navy-800);line-height:1.16;font-weight:600;letter-spacing:-.01em;text-wrap:balance}h1{font-size:var(--step-5)}h2{font-size:var(--step-4)}h3{font-size:var(--step-2)}h4{font-size:var(--step-1)}p{text-wrap:pretty}p+p{margin-top:var(--space-4)}a{color:var(--navy-600);text-decoration-color:#1d4e8959;text-underline-offset:3px}a:hover{color:var(--navy-800)}img,svg{max-width:100%;display:block}ul,ol{padding-left:1.15rem}li+li{margin-top:var(--space-2)}:focus-visible{outline:3px solid var(--gold-500);outline-offset:3px;border-radius:2px}.skip-link{position:absolute;left:var(--space-4);top:-100px;z-index:200;background:var(--navy-800);color:#fff;padding:.75rem 1.25rem;border-radius:var(--radius-sm);transition:top .2s var(--ease)}.skip-link:focus{top:var(--space-4);color:#fff}.container{width:min(100% - 2.5rem,var(--container));margin-inline:auto}.container--narrow{width:min(100% - 2.5rem,var(--container-narrow));margin-inline:auto}.visually-hidden{position:absolute;width:1px;height:1px;padding:0;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}.site-header{position:sticky;top:0;z-index:100;background:#fffffff0;-webkit-backdrop-filter:saturate(160%) blur(10px);backdrop-filter:saturate(160%) blur(10px);border-bottom:1px solid var(--surface-line);transition:box-shadow .25s var(--ease),background .25s var(--ease)}.site-header[data-scrolled=true]{box-shadow:var(--shadow-sm)}.site-header__inner{display:flex;align-items:center;gap:var(--space-5);min-height:var(--header-h)}.site-header__logo{flex:none;display:flex;align-items:center}.site-header__logo img{height:46px;width:auto}.site-header__spacer{flex:1 1 auto}.nav{display:flex;align-items:center;gap:.15rem}.nav__link{position:relative;display:inline-block;padding:.55rem .7rem;font-size:.94rem;color:var(--ink-700);text-decoration:none;border-radius:var(--radius-sm);white-space:nowrap;transition:color .18s var(--ease),background .18s var(--ease)}.nav__link:after{content:"";position:absolute;left:.7rem;right:.7rem;bottom:.28rem;height:2px;background:var(--gold-500);transform:scaleX(0);transform-origin:left;transition:transform .24s var(--ease)}.nav__link:hover{color:var(--navy-800);background:var(--surface-tint)}.nav__link[aria-current=page]{color:var(--navy-800);font-weight:600}.nav__link[aria-current=page]:after{transform:scaleX(1)}.nav__group{position:relative}.nav__trigger{display:inline-flex;align-items:center;gap:.35rem;padding:.55rem .7rem;font:inherit;font-size:.94rem;color:var(--ink-700);background:none;border:0;border-radius:var(--radius-sm);cursor:pointer}.nav__trigger:hover,.nav__group[data-open=true] .nav__trigger{color:var(--navy-800);background:var(--surface-tint)}.nav__chevron{transition:transform .2s var(--ease)}.nav__group[data-open=true] .nav__chevron{transform:rotate(180deg)}.nav__menu{position:absolute;top:calc(100% + 8px);left:0;min-width:268px;padding:var(--space-2);background:#fff;border:1px solid var(--surface-line);border-radius:var(--radius);box-shadow:var(--shadow-lg);list-style:none;display:grid;gap:1px}.nav__menu li{margin:0}.nav__menu a{display:block;padding:.6rem .75rem;border-radius:var(--radius-sm);font-size:.92rem;color:var(--ink-700);text-decoration:none}.nav__menu a:hover{background:var(--steel-100);color:var(--navy-800)}.nav-toggle{display:none;width:44px;height:44px;align-items:center;justify-content:center;background:none;border:1px solid var(--surface-line);border-radius:var(--radius-sm);cursor:pointer;color:var(--navy-800)}.mobile-nav{display:none}@media (max-width: 1080px){.nav,.site-header__cta{display:none}.nav-toggle{display:inline-flex}.mobile-nav{display:block;position:fixed;inset:var(--header-h) 0 0;z-index:99;background:#fff;overflow-y:auto;padding:var(--space-5) 0 var(--space-8);animation:slide-down .28s var(--ease)}.mobile-nav__list{list-style:none;padding:0}.mobile-nav__list li{margin:0;border-bottom:1px solid var(--surface-line)}.mobile-nav__list a{display:block;padding:.95rem .25rem;color:var(--navy-800);text-decoration:none;font-size:1.02rem}.mobile-nav__label{display:block;padding:1.2rem .25rem .4rem;font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-300)}.mobile-nav__cta{margin-top:var(--space-6);display:grid;gap:var(--space-3)}}.site-footer{background:var(--navy-900);color:var(--steel-300);margin-top:var(--space-9)}.site-footer a{color:var(--steel-300);text-decoration:none}.site-footer a:hover{color:#fff;text-decoration:underline}.site-footer__top{display:grid;gap:var(--space-7);padding:var(--space-8) 0 var(--space-7);grid-template-columns:1.4fr repeat(3,1fr)}.site-footer__brand img{height:48px;margin-bottom:var(--space-4)}.site-footer__tagline{color:var(--steel-300);font-size:.95rem;max-width:34ch}.site-footer h3{color:#fff;font-family:var(--font-body);font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:var(--space-4)}.site-footer ul{list-style:none;padding:0;font-size:.92rem}.site-footer li+li{margin-top:var(--space-3)}.site-footer__confidentiality{border-top:1px solid rgba(168,195,222,.18);padding:var(--space-5) 0;font-size:.86rem;color:#90a8c4;max-width:92ch}.site-footer__bottom{border-top:1px solid rgba(168,195,222,.18);padding:var(--space-5) 0;display:flex;flex-wrap:wrap;gap:var(--space-4) var(--space-6);justify-content:space-between;font-size:.84rem;color:#90a8c4}@media (max-width: 900px){.site-footer__top{grid-template-columns:1fr 1fr}}@media (max-width: 560px){.site-footer__top{grid-template-columns:1fr;gap:var(--space-6)}}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.85rem 1.6rem;border:1px solid transparent;border-radius:var(--radius-sm);font-family:var(--font-body);font-size:.96rem;font-weight:600;line-height:1.2;text-decoration:none;cursor:pointer;text-align:center;transition:background .2s var(--ease),color .2s var(--ease),border-color .2s var(--ease),transform .2s var(--ease),box-shadow .2s var(--ease)}.btn:hover{transform:translateY(-1px)}.btn:active{transform:translateY(0)}.btn[disabled],.btn[aria-disabled=true]{opacity:.55;pointer-events:none}.btn--primary{background:var(--navy-600);color:#fff;box-shadow:var(--shadow-sm)}.btn--primary:hover{background:var(--navy-800);color:#fff;box-shadow:var(--shadow)}.btn--gold{background:var(--gold-500);color:#12203a}.btn--gold:hover{background:var(--gold-600);color:#fff}.btn--outline{border-color:var(--steel-500);color:var(--navy-700);background:transparent}.btn--outline:hover{background:var(--steel-100);color:var(--navy-800)}.btn--onDark{border-color:#ffffff8c;color:#fff;background:transparent}.btn--onDark:hover{background:#ffffff1f;color:#fff}.btn--sm{padding:.6rem 1.1rem;font-size:.88rem}.btn--lg{padding:1rem 2rem;font-size:1.02rem}.btn--block{width:100%}.btn-row{display:flex;flex-wrap:wrap;gap:var(--space-4)}.section{padding:var(--space-9) 0}.section--tight{padding:var(--space-8) 0}.section--tint{background:var(--surface-tint)}.section--navy{background:var(--navy-800);color:var(--steel-300)}.section--navy h2,.section--navy h3,.section--navy h4,.section--navy a{color:#fff}.section--line{border-top:1px solid var(--surface-line)}.eyebrow{display:inline-block;font-size:.76rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--steel-600);margin-bottom:var(--space-3)}.section--navy .eyebrow{color:var(--gold-200)}.section__head{max-width:62ch;margin-bottom:var(--space-7)}.section__head--center{margin-inline:auto;text-align:center}.lede{font-size:var(--step-1);color:var(--ink-500);margin-top:var(--space-4)}.section--navy .lede{color:var(--steel-300)}.hero{position:relative;background:var(--navy-800);color:#fff;overflow:hidden}.hero__media{position:absolute;top:0;right:0;bottom:0;left:0}.hero__media img{width:100%;height:100%;object-fit:cover}.hero__scrim{position:absolute;top:0;right:0;bottom:0;left:0;background:linear-gradient(100deg,#08172cf0,#08172cdb 42%,#0f23408c 78%,#0f234059)}.hero__inner{position:relative;padding:var(--space-9) 0;max-width:44rem}.hero h1{color:#fff}.hero__lede{font-size:var(--step-1);color:#d7e3f1;margin-top:var(--space-5);max-width:40rem}.hero__actions{margin-top:var(--space-7)}.hero__note{margin-top:var(--space-5);font-size:.88rem;color:#a8c3de}.hero--page .hero__inner{padding:var(--space-8) 0;max-width:52rem}.grid{display:grid;gap:var(--space-5)}.grid--2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}.grid--3{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}.grid--4{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}.card{background:#fff;border:1px solid var(--surface-line);border-radius:var(--radius);padding:var(--space-6);height:100%;transition:transform .25s var(--ease),box-shadow .25s var(--ease),border-color .25s var(--ease)}.card h3{font-size:var(--step-1);margin-bottom:var(--space-3)}.card p{font-size:.96rem;color:var(--ink-500)}.card--raised:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--steel-300)}.card--accent{border-top:3px solid var(--gold-500)}.card__icon{width:42px;height:42px;display:grid;place-items:center;margin-bottom:var(--space-4);border-radius:50%;background:var(--steel-100);color:var(--navy-600)}.card--link{display:flex;flex-direction:column;text-decoration:none;overflow:hidden;padding:0}.card--link .card__body{padding:var(--space-5) var(--space-5) var(--space-6)}.card--link .card__media{aspect-ratio:16 / 9;overflow:hidden;background:var(--navy-800)}.card--link .card__media img{width:100%;height:100%;object-fit:cover;transition:transform .5s var(--ease)}.card--link:hover .card__media img{transform:scale(1.045)}.card__cta{margin-top:auto;padding-top:var(--space-4);font-weight:600;color:var(--navy-600);font-size:.92rem}.card--link:hover .card__cta{color:var(--gold-600)}.section--navy .card{background:#ffffff0d;border-color:#a8c3de38}.section--navy .card p{color:var(--steel-300)}.section--navy .card__icon{background:#ffffff1a;color:#fff}.steps{counter-reset:step;display:grid;gap:var(--space-5)}.step{position:relative;display:grid;grid-template-columns:64px 1fr;gap:var(--space-5);padding:var(--space-5) 0;border-top:1px solid var(--surface-line)}.step:last-child{border-bottom:1px solid var(--surface-line)}.step__num{counter-increment:step;font-family:var(--font-display);font-size:1.5rem;color:var(--gold-500);display:flex;align-items:flex-start;justify-content:center;padding-top:2px}.step__num:before{content:counter(step,decimal-leading-zero)}.step h3{font-size:var(--step-1);margin-bottom:var(--space-2)}.step p{color:var(--ink-500)}.section--navy .step{border-color:#a8c3de38}.section--navy .step p{color:var(--steel-300)}.workflow{display:grid;gap:var(--space-4);counter-reset:wf}.workflow__item{display:grid;grid-template-columns:46px 1fr;gap:var(--space-4);align-items:start;padding:var(--space-4) var(--space-5);background:#fff;border:1px solid var(--surface-line);border-left:3px solid var(--steel-500);border-radius:var(--radius-sm)}.workflow__num{counter-increment:wf;width:30px;height:30px;border-radius:50%;background:var(--navy-800);color:#fff;display:grid;place-items:center;font-size:.85rem;font-weight:600}.workflow__num:before{content:counter(wf)}.workflow__item h4{margin-bottom:var(--space-1)}.workflow__item p{font-size:.94rem;color:var(--ink-500)}.split{display:grid;gap:var(--space-8);grid-template-columns:1fr 1fr;align-items:center}.split--wide-left{grid-template-columns:1.15fr 1fr}@media (max-width: 880px){.split,.split--wide-left{grid-template-columns:1fr;gap:var(--space-6)}}.figure{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);background:var(--navy-800)}.figure img{width:100%;aspect-ratio:4 / 3;object-fit:cover}.figure--wide img{aspect-ratio:16 / 9}.figure figcaption{padding:var(--space-3) var(--space-4);font-size:.82rem;color:var(--steel-300);background:var(--navy-900)}.checklist{list-style:none;padding:0}.checklist li{position:relative;padding-left:1.9rem}.checklist li:before{content:"";position:absolute;left:0;top:.55em;width:10px;height:10px;border-radius:2px;background:var(--gold-500);transform:rotate(45deg)}.pill-list{display:flex;flex-wrap:wrap;gap:var(--space-2);list-style:none;padding:0}.pill-list li{margin:0}.pill{display:inline-block;padding:.4rem .9rem;border-radius:999px;font-size:.86rem;background:var(--steel-100);color:var(--navy-700);border:1px solid transparent}.section--navy .pill{background:#ffffff14;color:#dbe7f4}.quote{border-left:3px solid var(--gold-500);padding:var(--space-4) var(--space-6);background:var(--surface-tint);font-family:var(--font-display);font-size:var(--step-2);color:var(--navy-800);border-radius:0 var(--radius) var(--radius) 0}.section--navy .quote{background:#ffffff0f;color:#fff}.callout{border:1px solid var(--surface-line);border-left:3px solid var(--steel-500);background:var(--surface-tint);padding:var(--space-5) var(--space-6);border-radius:var(--radius-sm)}.callout h3{font-size:var(--step-1);margin-bottom:var(--space-2)}.callout p{font-size:.95rem}.accordion{border-top:1px solid var(--surface-line)}.accordion__item{border-bottom:1px solid var(--surface-line)}.accordion__trigger{width:100%;display:flex;align-items:center;justify-content:space-between;gap:var(--space-4);padding:var(--space-5) 0;background:none;border:0;cursor:pointer;text-align:left;font-family:var(--font-display);font-size:var(--step-1);color:var(--navy-800);line-height:1.3}.accordion__trigger:hover{color:var(--navy-600)}.accordion__icon{flex:none;width:22px;height:22px;position:relative}.accordion__icon:before,.accordion__icon:after{content:"";position:absolute;inset:50% 0 auto;height:2px;background:var(--gold-500);transition:transform .25s var(--ease)}.accordion__icon:after{transform:rotate(90deg)}.accordion__item[data-open=true] .accordion__icon:after{transform:rotate(0)}.accordion__panel{display:grid;grid-template-rows:0fr;transition:grid-template-rows .3s var(--ease)}.accordion__item[data-open=true] .accordion__panel{grid-template-rows:1fr}.accordion__panel>div{overflow:hidden}.accordion__panel p{padding-bottom:var(--space-5);color:var(--ink-500);max-width:78ch}.accordion__panel p:first-child{padding-top:0}.breadcrumbs{font-size:.84rem;color:#a8c3de;padding-top:var(--space-5)}.breadcrumbs ol{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:.5rem}.breadcrumbs li{margin:0;display:flex;gap:.5rem;align-items:center}.breadcrumbs li+li:before{content:"/";opacity:.5}.breadcrumbs a{color:#d7e3f1;text-decoration:none}.breadcrumbs a:hover{text-decoration:underline}.cta-band{background:var(--navy-800);color:#fff;border-radius:var(--radius-lg);padding:var(--space-8);position:relative;overflow:hidden}.cta-band:after{content:"";position:absolute;right:-80px;top:-80px;width:320px;height:320px;border-radius:50%;background:radial-gradient(circle,rgba(176,141,63,.28),transparent 68%)}.cta-band h2{color:#fff;max-width:22ch}.cta-band p{color:#d7e3f1;margin-top:var(--space-4);max-width:58ch}.cta-band .btn-row{margin-top:var(--space-6);position:relative}.stat-row{display:grid;gap:var(--space-5);grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}.stat{border-left:2px solid var(--gold-500);padding-left:var(--space-4)}.stat__label{font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-300)}.stat__value{font-family:var(--font-display);font-size:var(--step-2);color:var(--navy-800)}.link-list{list-style:none;padding:0;display:grid;gap:var(--space-2)}.link-list a{display:inline-flex;align-items:center;gap:.5rem;text-decoration:none;font-weight:500}.link-list a:after{content:"→";color:var(--gold-500);transition:transform .2s var(--ease)}.link-list a:hover:after{transform:translate(3px)}.prose>*+*{margin-top:var(--space-4)}.prose h2{margin-top:var(--space-7);font-size:var(--step-3)}.prose h3{margin-top:var(--space-6)}.prose ul,.prose ol{color:var(--ink-500)}.notice{padding:var(--space-4) var(--space-5);border-radius:var(--radius-sm);font-size:.94rem;border:1px solid;margin-bottom:var(--space-5)}.notice--error{background:#fdf3f3;border-color:#e8c7c7;color:#8c1c1c}.notice--success{background:#f1f8f3;border-color:#c3e0cd;color:#1f6f43}.notice--info{background:var(--steel-100);border-color:var(--steel-300);color:var(--navy-700)}.form{display:grid;gap:var(--space-5)}.form-card{background:#fff;border:1px solid var(--surface-line);border-radius:var(--radius);padding:var(--space-7);box-shadow:var(--shadow-sm)}@media (max-width: 620px){.form-card{padding:var(--space-5)}}.field{display:grid;gap:.4rem}.field__label{font-size:.88rem;font-weight:600;color:var(--navy-800)}.field__hint{font-size:.82rem;color:var(--ink-300)}.field__required{color:var(--gold-600)}.field__error{font-size:.84rem;color:#8c1c1c}.field input[type=text],.field input[type=email],.field input[type=tel],.field input[type=number],.field select,.field textarea{width:100%;padding:.7rem .85rem;font:inherit;font-size:.96rem;color:var(--ink-900);background:#fff;border:1px solid #ccd7e4;border-radius:var(--radius-sm);transition:border-color .18s var(--ease),box-shadow .18s var(--ease)}.field textarea{min-height:118px;resize:vertical}.field select{-webkit-appearance:none;-moz-appearance:none;appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--steel-600) 50%),linear-gradient(135deg,var(--steel-600) 50%,transparent 50%);background-position:calc(100% - 18px) 52%,calc(100% - 12px) 52%;background-size:6px 6px,6px 6px;background-repeat:no-repeat;padding-right:2.2rem}.field :is(input,select,textarea):focus{outline:none;border-color:var(--steel-600);box-shadow:0 0 0 3px #3f6b9b2e}.field[data-invalid=true] 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