:root{--brand:#ea7600;--brand-dark:#c25f00;--brand-ink:#fff;--navy:#1b3048;--navy-light:#2a4a6b;--green:#00875a;--green-light:#e6f5f0;--bg:#f4f6f9;--surface:#fff;--text:#1b3048;--muted:#5c7080;--border:#d8e2ec;--border-dark:#b0c4d8;--shadow-sm:0 1px 3px #1b304814;--shadow:0 4px 16px #1b30481a;--radius-sm:6px;--radius:10px;--radius-lg:14px;--container:1100px;--gutter:20px;--font:"Source Sans 3", "Source Sans Pro", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif}*{box-sizing:border-box}html,body{height:100%}body{font-family:var(--font);color:var(--text);background:var(--bg);margin:0;font-size:16px;line-height:1.5}img{max-width:100%;display:block}a{color:inherit}h1,h2,h3{margin:0 0 .5rem;font-weight:700;line-height:1.2}p{margin:0 0 .75rem}.sr-only{clip:rect(0,0,0,0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.container{max-width:var(--container);padding:0 var(--gutter);margin:0 auto}.topbar{background:var(--navy);color:#ffffffe0;font-size:.875rem}.topbar__inner{justify-content:space-between;align-items:center;padding:.45rem 0;display:flex}.topbar__hint{opacity:.85;font-weight:600}.topbar__actions{gap:16px;display:flex}.link{opacity:.9;text-decoration:none}.link:hover{opacity:1;text-decoration:underline}.header{background:var(--surface);border-bottom:2px solid var(--border);box-shadow:var(--shadow-sm)}.header__inner{justify-content:space-between;align-items:center;gap:20px;padding:16px 0;display:flex}.brand{align-items:center;gap:10px;text-decoration:none;display:flex}.brand__mark{border-radius:var(--radius-sm);background:var(--brand);color:#fff;letter-spacing:.5px;place-items:center;width:42px;height:42px;font-size:.85rem;font-weight:900;display:grid}.brand__text{color:var(--navy);letter-spacing:-.3px;font-size:1.1rem;font-weight:700}.nav{gap:4px;display:none}.nav__item{color:var(--navy);border-radius:var(--radius-sm);padding:8px 12px;font-size:.95rem;font-weight:600;text-decoration:none;transition:background .15s}.nav__item:hover{background:var(--bg);color:var(--brand)}.header__cta{gap:10px;display:flex}.hero{border-bottom:1px solid var(--border);background:linear-gradient(135deg,#fff 60%,#fef3e8 100%);padding:0}.hero__inner{grid-template-columns:1fr;gap:24px;padding:32px 0 28px;display:grid}.eyebrow{text-transform:uppercase;letter-spacing:1px;color:var(--brand);background:#ea76001a;border-radius:999px;margin-bottom:.75rem;padding:.25rem .65rem;font-size:.8rem;font-weight:700;display:inline-block}h1{color:var(--navy);font-size:clamp(1.6rem,3vw,2.2rem)}.lead{color:var(--muted);max-width:60ch;font-size:1.05rem}.stepper{flex-wrap:wrap;gap:10px 24px;margin:22px 0 0;padding:0;list-style:none;display:flex}.stepper__step{color:var(--muted);align-items:center;gap:8px;font-size:.9rem;font-weight:600;display:flex;position:relative}.stepper__step+.stepper__step:before{content:"";background:var(--border-dark);width:8px;height:1px;position:absolute;top:50%;left:-16px}.stepper__dot{border:2px solid var(--border-dark);background:0 0;border-radius:50%;flex-shrink:0;width:10px;height:10px}.stepper__step.is-active{color:var(--navy);font-weight:700}.stepper__step.is-active .stepper__dot{border-color:var(--brand);background:var(--brand);box-shadow:0 0 0 4px #ea760033}.badge{background:var(--surface);border:1px solid var(--border);border-left:4px solid var(--brand);border-radius:var(--radius);box-shadow:var(--shadow-sm);align-items:flex-start;gap:12px;padding:16px;display:flex}.badge__icon{width:28px;height:28px;color:var(--brand);background:#ea76001f;border-radius:50%;flex-shrink:0;place-items:center;font-size:.95rem;font-weight:900;display:grid}.badge__title{color:var(--navy);margin:0 0 2px;font-weight:700}.badge__text{color:var(--muted);margin:0;font-size:.92rem}.main{padding:24px 0 48px}.grid{grid-template-columns:1fr;gap:20px;display:grid}.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--shadow);overflow:hidden}.card__header{border-bottom:1px solid var(--border);padding:20px 24px 12px}.card__header h2{color:var(--navy);margin-bottom:4px;font-size:1.2rem}.muted{color:var(--muted);font-size:.9rem}.divider{background:var(--border);height:1px;margin:16px 0}.card--sticky{position:static}.form{padding:16px 24px 24px}.form__row{grid-template-columns:1fr;gap:14px;margin-bottom:14px;display:grid}.field label{color:var(--navy);margin-bottom:6px;font-size:.92rem;font-weight:700;display:block}.field input,.field select{border-radius:var(--radius-sm);border:1.5px solid var(--border-dark);width:100%;height:46px;color:var(--text);font-family:var(--font);background:#fff;outline:none;padding:0 14px;font-size:1rem;transition:border-color .15s,box-shadow .15s}.field input:hover,.field select:hover{border-color:var(--navy-light)}.field input:focus,.field select:focus{border-color:var(--brand);box-shadow:0 0 0 3px #ea760033}.field__hint{color:var(--muted);margin:6px 0 0;font-size:.85rem}.field--small{max-width:200px}.field--full{grid-column:1/-1}.check{color:var(--navy);cursor:pointer;align-items:flex-start;gap:10px;font-size:.93rem;font-weight:600;display:flex}.check input[type=checkbox]{border:1.5px solid var(--border-dark);width:18px;height:18px;accent-color:var(--brand);cursor:pointer;border-radius:4px;flex-shrink:0;margin-top:2px}.actions{justify-content:flex-end;align-items:center;gap:10px;margin-top:16px;display:flex}.btn{border-radius:var(--radius-sm);height:46px;font-family:var(--font);cursor:pointer;-webkit-user-select:none;user-select:none;white-space:nowrap;border:2px solid #0000;justify-content:center;align-items:center;padding:0 20px;font-size:.95rem;font-weight:700;text-decoration:none;transition:background .15s,border-color .15s,color .15s;display:inline-flex}.btn--primary{background:var(--brand);color:#fff;border-color:var(--brand)}.btn--primary:hover{background:var(--brand-dark);border-color:var(--brand-dark)}.btn--ghost{border-color:var(--navy);color:var(--navy);background:0 0}.btn--ghost:hover{background:var(--navy);color:#fff}.btn--small{height:38px;padding:0 14px;font-size:.88rem}.summary{margin:0 24px 16px}.summary__row{border-bottom:1px solid var(--border);justify-content:space-between;align-items:baseline;gap:12px;padding:10px 0;display:flex}.summary__row:last-child{border-bottom:0}.summary dt{color:var(--navy);font-size:.9rem;font-weight:700}.summary dd{color:var(--muted);margin:0;font-size:.9rem;font-weight:600}.callout{border-radius:var(--radius);background:var(--green-light);border:1px solid #00875a40;margin:0 24px 24px;padding:16px}.callout__title{color:var(--green);margin-bottom:4px;font-weight:700}.callout__text{color:var(--muted);margin-bottom:12px;font-size:.9rem}.footer{background:var(--navy);color:#ffffffe0;margin-top:16px;padding:36px 0 24px}.footer__inner{flex-direction:column;gap:28px;display:flex}.footer__cols{grid-template-columns:1fr;gap:24px;display:grid}.footer__title{text-transform:uppercase;letter-spacing:.7px;color:#ffffff80;margin:0 0 10px;font-size:.85rem;font-weight:700}.footer__link{color:#ffffffd1;margin:6px 0;font-size:.92rem;text-decoration:none;transition:color .15s;display:block}.footer__link:hover{color:#fff;text-decoration:underline}.footer__fineprint{opacity:.5;border-top:1px solid #ffffff1f;margin:0;padding-top:20px;font-size:.85rem}@media (width>=860px){.nav{display:flex}.hero__inner{grid-template-columns:1.5fr .9fr;align-items:start}.grid{grid-template-columns:1.4fr .6fr;align-items:start}.form__row{grid-template-columns:1fr 1fr}.card--sticky{position:sticky;top:20px}.footer__cols{grid-template-columns:repeat(3,1fr)}}