:root{--navy:#0f1b33;--navy-2:#1a2a4a;--navy-deep:#0a1426;--ink:#0f1b33;--ink-2:#33405c;--muted:#586581;--line:#d9e0ea;--line-soft:#dce3ee;--line-strong:#c9d3e3;--paper:#ffffff;--ground:#edf1f6;--tint:#f4f7fb;--accent:#2346c8;--accent-ink:#1f3fb8;--accent-soft:#e3e9fb;--sky:#9db4ff;--on-navy:#e7ecf5;--on-navy-muted:#b4c0d6;--on-navy-line:rgba(255,255,255,0.14);--wrap:1320px;--gutter:32px;--band-y:104px;--radius:8px;--radius-sm:6px;--radius-xs:4px}*,:after,:before{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:24px}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}body{margin:0;overflow-x:hidden;background:var(--paper);color:var(--ink);font-family:var(--font-sans),"Segoe UI",system-ui,sans-serif;font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}a{color:var(--accent-ink)}a:hover{color:#152c85}img{max-width:100%;display:block}h1,h2,h3,h4{font-family:inherit;color:var(--navy);font-weight:800;margin:0;text-wrap:balance}h1{font-size:clamp(2.3rem,1.2rem + 3.4vw,4.4rem);line-height:1.03;letter-spacing:-.035em}h2{font-size:clamp(1.75rem,1.2rem + 1.6vw,2.5rem);line-height:1.1;letter-spacing:-.025em}h3{font-size:1.25rem;line-height:1.3;letter-spacing:-.01em}p{text-wrap:pretty}ol,p,ul{margin:0}ol,ul{padding:0}.mono{font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.skip-link{position:fixed;top:8px;left:8px;z-index:1000;padding:10px 14px;border-radius:var(--radius-xs);background:var(--paper);color:var(--navy);font-weight:700;text-decoration:none;box-shadow:0 4px 16px rgba(7,24,43,.24);transform:translateY(calc(-100% - 16px))}.skip-link:focus-visible{transform:translateY(0)}:where(a,button,input,select,textarea,summary,[tabindex]):focus-visible{outline:2px solid var(--accent);outline-offset:3px}:where(.site-header,.band--navy,.closing,.site-footer,.door--broker) :where(a,button):focus-visible{outline-color:var(--sky)}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.wrap{width:100%;max-width:calc(var(--wrap) + var(--gutter) * 2);margin:0 auto;padding:0 var(--gutter)}.ground{background:var(--ground)}.band{padding:var(--band-y) 0}.band--tight{padding:64px 0}.band--alt{background:var(--ground)}.band--white{background:var(--paper);border-bottom:1px solid var(--line)}.band--rule,.band--white{border-top:1px solid var(--line)}.band--navy{background:var(--navy);color:var(--on-navy)}.band--navy h2,.band--navy h3{color:#fff}.measure{max-width:760px}.measure-wide{max-width:840px}.stack>*+*{margin-top:var(--gap,20px)}.grid-2{display:grid;grid-template-columns:1fr 1fr;grid-gap:var(--gap,56px);gap:var(--gap,56px)}.section-head{display:grid;grid-gap:14px;gap:14px;max-width:820px;margin-bottom:40px}.eyebrow{font-size:13px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--accent)}.band--navy .eyebrow,.closing .eyebrow,.door--broker .eyebrow{color:var(--sky)}.tag{align-self:flex-start;display:inline-block;background:var(--paper);color:var(--accent);font-size:13.5px;font-weight:700;padding:7px 14px;border-radius:var(--radius-xs)}.lede{font-size:19px;line-height:1.6;color:var(--ink-2)}.band--navy .lede,.band--navy p{color:var(--on-navy-muted)}.body-copy{color:var(--ink-2)}.body-copy p+p{margin-top:16px}.qual{font-size:13.5px;line-height:1.55;color:var(--muted)}.band--navy .qual{color:var(--on-navy-muted)}.source{font-size:12.5px;color:var(--muted)}.source a{color:inherit;text-underline-offset:2px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 24px;border:0;border-radius:var(--radius-sm);background:var(--accent);color:#fff;font:700 16px/1 var(--font-sans),system-ui,sans-serif;text-decoration:none;cursor:pointer;transition:background-color .16s ease}.btn:hover{background:#1b38a6;color:#fff}.btn--sky{background:var(--sky);color:var(--navy);border-radius:var(--radius-xs)}.btn--sky:hover{background:#b6c8ff;color:var(--navy)}.btn--white{background:#fff;color:var(--navy)}.btn--white:hover{background:var(--accent-soft);color:var(--navy)}.btn--sm{min-height:44px;padding:0 20px;font-size:15px}.btn[disabled]{opacity:.6;cursor:progress}.textlink{display:inline-flex;align-items:center;gap:8px;font-weight:700;color:var(--accent-ink);text-decoration:none}.textlink:hover{text-decoration:underline;text-underline-offset:5px}.textlink svg{flex:none}.band--navy .textlink,.closing .textlink,.door--broker .textlink{color:#fff}.actions{display:flex;flex-wrap:wrap;align-items:center;gap:14px 24px}.confirm{display:inline;padding:1px 6px;border:1px dashed #b7791f;border-radius:3px;background:#fff4d6;color:#6b4a00;font-size:.78em;font-weight:600;letter-spacing:0;text-transform:none;white-space:normal;-webkit-box-decoration-break:clone;box-decoration-break:clone}.site-header{position:relative;z-index:50;background:var(--navy);color:#fff}.site-header__inner{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px 28px;min-height:76px}.brand{display:grid;grid-gap:1px;gap:1px;padding:14px 0;text-decoration:none;line-height:1.25}.brand__name{font-size:18px;font-weight:800;letter-spacing:-.01em;color:#fff}.brand__id{font-size:12px;color:var(--on-navy-muted)}.nav{align-items:center}.nav,.nav__links{display:flex;gap:30px}.nav__links{list-style:none}.nav__links a{display:block;padding:8px 0;border-bottom:2px solid transparent;font-size:15px;font-weight:600;color:#fff;text-decoration:none}.nav__links a:hover{color:var(--sky)}.nav__links a[aria-current=page]{border-bottom-color:var(--sky)}.nav__toggle{display:none;align-items:center;justify-content:center;width:44px;height:44px;border:1px solid var(--on-navy-line);border-radius:var(--radius-xs);background:transparent;color:#fff;cursor:pointer}.nav__panel{display:none}.hero{padding:88px 0 80px;background:var(--paper);border-bottom:1px solid var(--line)}.paths{padding-top:72px}.hero__copy{display:flex;flex-direction:column;gap:24px}.hero__lead{max-width:760px}.hero__cta,.hero__lead{display:flex;flex-direction:column;gap:12px}.hero__cta{align-items:flex-start;margin-top:4px}.hero__assure{font-size:14px;color:var(--muted)}.not-carveout{font-size:15px;font-weight:700;color:var(--navy)}.page-hero{padding:80px 0 64px;background:var(--ground)}.page-hero__grid{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);grid-gap:64px;gap:64px;align-items:center}.page-hero h1{font-size:clamp(2.1rem,1.3rem + 2.4vw,3.5rem)}.doors{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-template-areas:"exec broker" "exec employee";align-items:start;grid-gap:20px;gap:20px}.door--exec{grid-area:exec;align-self:stretch;justify-content:space-between}.door.door--exec>.textlink{margin-top:0}.door--broker{grid-area:broker}.door--employee{grid-area:employee;background:var(--accent-soft);border-top-color:var(--accent)}.door--employee h2{font-size:clamp(1.4rem,1.2rem + .6vw,1.75rem)}.door--employee .ticks li{color:var(--ink)}@media (max-width:1000px){.doors{grid-template-columns:1fr;grid-template-areas:"exec" "broker" "employee"}}.door{display:flex;flex-direction:column;gap:22px;padding:clamp(28px,3vw,40px);border-radius:var(--radius);border-top:4px solid var(--accent);background:var(--paper)}.door h2{font-size:clamp(1.6rem,1.3rem + .8vw,2.1rem);line-height:1.12;letter-spacing:-.02em}.door>.textlink{margin-top:auto;align-self:flex-start}.door--broker{background:var(--navy);color:var(--on-navy);border-top-color:var(--sky)}.door--broker h2{color:#fff}.door__note{font-size:15px;color:var(--on-navy-muted)}.door__links{list-style:none;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(220px,100%),1fr));grid-column-gap:32px;column-gap:32px;border-top:1px solid var(--on-navy-line)}.door__links li{border-bottom:1px solid var(--on-navy-line)}.door__links a,.door__links button{width:100%;border:0;background:none;cursor:pointer;font:inherit;text-align:left;display:flex;justify-content:space-between;align-items:center;gap:12px;padding:15px 0;font-weight:600;color:#fff;text-decoration:none}.door__links a span,.door__links a:hover,.door__links button span,.door__links button:hover{color:var(--sky)}.answer{display:flex;flex-direction:column;gap:16px;padding-top:16px;border-top:1px solid var(--on-navy-line)}.answer__bar{display:flex;align-items:center;justify-content:space-between;gap:12px}.answer__close{display:grid;place-items:center;width:44px;height:44px;border:1px solid var(--on-navy-line);border-radius:var(--radius-xs);background:transparent;color:#fff;cursor:pointer}.answer__close:hover{background:rgba(255,255,255,.08)}.answer h3{font-size:1.3rem;color:#fff}.answer h3:focus{outline:none}.answer__text{color:var(--on-navy)}.answer__list{margin:0;display:grid;grid-gap:12px;gap:12px}.answer__list dt{font-weight:700;color:#fff}.answer__list dd{margin:2px 0 0;color:var(--on-navy)}.answer__nav{display:flex;flex-wrap:wrap;gap:10px;padding-top:6px}.answer__btn{min-height:44px;padding:0 16px;border:1px solid var(--on-navy-line);border-radius:var(--radius-xs);background:transparent;color:#fff;font:600 15px var(--font-sans),system-ui,sans-serif;cursor:pointer}.answer__btn:hover{background:rgba(255,255,255,.08)}.answer__btn--next{background:var(--sky);border-color:var(--sky);color:var(--navy)}.answer__btn--next:hover{background:#b6c8ff}.answer__more{align-self:flex-start;font-size:15px;font-weight:600;color:var(--sky)}.door--broker .answer__more:hover{color:#fff}.backbar{background:var(--accent-soft);border-bottom:1px solid var(--line)}.backbar button{min-height:44px;padding:0;border:0;background:none;color:var(--accent-ink);font:700 15px var(--font-sans),system-ui,sans-serif;cursor:pointer}.backbar button:hover{text-decoration:underline;text-underline-offset:4px}.sizes{width:100%;border-collapse:collapse;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;font-size:15.5px}.sizes td,.sizes th{padding:0 14px;height:48px;border-bottom:1px solid var(--line-soft);text-align:right;white-space:nowrap;color:var(--navy)}.sizes th:first-child{text-align:left}.sizes td:last-child{font-weight:700}.sizes thead th{height:auto;padding-bottom:10px;font-size:12px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;white-space:normal;color:var(--muted);border-bottom:2px solid var(--navy)}.sizes tbody tr{cursor:pointer;transition:background-color .14s ease}.sizes tbody tr:hover td,.sizes tbody tr:hover th{background:var(--tint)}.sizes tbody th button{min-height:44px;padding:0;border:0;background:none;color:var(--navy);font:700 15.5px var(--font-sans),system-ui,sans-serif;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;cursor:pointer}.sizes tr[aria-current=true] td,.sizes tr[aria-current=true] th,.sizes tr[aria-current=true]:hover td,.sizes tr[aria-current=true]:hover th{background:var(--accent-soft)}.sizes tr[aria-current=true] th{box-shadow:inset 3px 0 0 var(--accent)}.sizes tr[aria-current=true] th button{color:var(--accent-ink)}.result__input{display:grid;grid-gap:8px;gap:8px}.result__input label{font-size:14px;font-weight:700;color:var(--ink-2)}.result__input input{width:100%;max-width:260px;min-height:52px;padding:0 16px;border:1px solid var(--line-strong);border-radius:var(--radius-sm);background:var(--paper);font:700 22px/1 var(--font-sans),system-ui,sans-serif;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;color:var(--navy)}.sizepick__label{display:block;margin-bottom:10px;font-size:14px;font-weight:700;color:var(--ink-2)}.sizepick__options{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border:1px solid var(--line-strong);border-radius:var(--radius-sm);overflow:hidden}.sizepick__options button{min-height:48px;border:0;background:var(--paper);color:var(--navy);font:600 16px var(--font-sans),system-ui,sans-serif;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;cursor:pointer}.sizepick__options button+button{border-left:1px solid var(--line-strong)}.sizepick__options button:hover{background:var(--tint)}.sizepick__options button[aria-pressed=true]{background:var(--navy);color:#fff;font-weight:700}.result{display:flex;flex-direction:column;gap:18px;padding:24px;border-radius:var(--radius-sm);background:var(--tint)}.result__value{font-size:clamp(2.6rem,2rem + 2vw,3.75rem);font-weight:800;line-height:1;letter-spacing:-.035em;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;color:var(--navy)}.result__label{font-size:15px;color:var(--ink-2)}.result__eq{display:flex;flex-wrap:wrap;align-items:center;gap:6px 8px;padding-top:16px;border-top:1px solid var(--line-soft);font-size:14.5px;white-space:nowrap;color:var(--ink-2)}.result__eq strong{color:var(--navy)}.household{position:relative;padding:32px 32px 28px;border-radius:var(--radius);border-top:4px solid var(--sky);background:var(--navy);color:var(--on-navy)}.household__title{padding-bottom:16px;margin-bottom:6px;border-bottom:1px solid var(--on-navy-line)}.household__title .eyebrow{color:var(--sky)}.household__steps{list-style:none}.household__step{display:grid;grid-template-columns:36px 1fr;grid-gap:16px;gap:16px;padding:18px 0}.household__step+.household__step{border-top:1px solid rgba(255,255,255,.08)}.household__mark{display:grid;place-items:center;width:36px;height:36px;border-radius:var(--radius-sm);background:rgba(157,180,255,.16);color:var(--sky);font-size:15px;font-weight:800}.household__role{font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--sky)}.household__step--still .household__role{color:var(--on-navy-muted)}.household__name{margin-top:2px;font-size:19px;font-weight:800;color:#fff}.household__desc{margin-top:4px;font-size:14.5px;line-height:1.5;color:var(--on-navy-muted)}.household__foot{margin-top:8px;padding-top:16px;border-top:1px solid var(--on-navy-line);font-size:13.5px;color:var(--on-navy-muted)}.figure{display:grid;align-content:start;grid-gap:8px;gap:8px}.figure__value{font-size:clamp(2rem,1.5rem + 1.6vw,2.75rem);font-weight:800;line-height:1;letter-spacing:-.03em;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;color:var(--navy)}.band--navy .figure__value{color:#fff}.figure__label{font-size:15.5px;line-height:1.5;color:var(--ink-2)}.band--navy .figure__label{color:var(--on-navy)}.calc{margin-top:24px;display:grid;grid-template-columns:auto 1fr;grid-gap:28px;gap:28px;align-items:center;padding:24px 28px;border-radius:var(--radius);background:var(--tint)}.calc__eq{font-size:15px;line-height:1.9;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;color:var(--navy)}.calc__eq strong{font-weight:700}.calc__text{color:var(--ink-2)}.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(250px,100%),1fr));grid-gap:16px;gap:16px;list-style:none;counter-reset:step}.steps>li{counter-increment:step;display:grid;grid-template-columns:40px minmax(0,1fr);align-items:center;align-content:start;grid-gap:14px;gap:14px;padding:26px;border-radius:var(--radius);background:var(--paper);color:var(--ink)}.steps>li:before{content:counter(step);display:grid;place-items:center;width:40px;height:40px;border-radius:var(--radius-sm);background:var(--accent-soft);color:var(--accent);font-weight:800}.steps h3{font-size:19px}.steps p{grid-column:1/-1;color:var(--ink-2)}.steps>li.is-accent{background:var(--accent);color:#fff}.steps>li.is-accent h3,.steps>li.is-accent p{color:#fff}.steps>li.is-accent:before{background:rgba(255,255,255,.18);color:#fff}.chips{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;list-style:none}.chips li{padding:9px 16px;border-radius:var(--radius-xs);background:var(--paper);font-size:15px;font-weight:600}.process{list-style:none;counter-reset:proc;display:grid}.process>li{counter-increment:proc;display:grid;grid-template-columns:48px 1fr;grid-gap:8px 16px;gap:8px 16px;padding:22px 0;border-top:1px solid var(--line);color:var(--ink-2)}.process>li:last-child{border-bottom:1px solid var(--line)}.process>li:before{content:counter(proc);display:grid;place-items:center;width:32px;height:32px;border-radius:var(--radius-sm);background:var(--accent-soft);color:var(--accent);font-size:14px;font-weight:800}.process strong{color:var(--navy)}.process--compact>li{padding:14px 0;align-items:center}.compare{width:100%;border-collapse:collapse;font-size:16px}.compare td,.compare th{text-align:left;vertical-align:top;padding:16px 20px;border-bottom:1px solid var(--line)}.compare thead th{font-size:12.5px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;border-bottom:2px solid var(--navy)}.compare thead th:first-child{color:var(--navy)}.compare thead th:last-child{color:var(--muted)}.compare td:first-child{width:50%;font-weight:600;color:var(--navy)}.compare td:last-child{color:var(--ink-2)}.data{width:100%;border-collapse:collapse;font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.data td,.data th{padding:14px 16px;white-space:nowrap;border-bottom:1px solid var(--line-soft);text-align:right}.data td:first-child,.data th:first-child{text-align:left}.data thead th{white-space:normal;font-size:12px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);border-bottom:2px solid var(--navy);vertical-align:bottom}.data td{font-size:15.5px;color:var(--navy)}.data td:last-child{font-weight:700}.table-scroll{overflow-x:auto}.ticks{list-style:none;display:grid;grid-gap:12px;gap:12px}.ticks li{position:relative;padding-left:28px;color:var(--ink-2)}.ticks li:before{content:"";position:absolute;left:2px;top:.55em;width:12px;height:7px;border-left:2px solid var(--accent);border-bottom:2px solid var(--accent);transform:rotate(-45deg)}.ticks--no li:before{top:.75em;height:0;border-left:0;border-bottom:2px solid var(--muted);transform:none}.band--navy .ticks li{color:var(--on-navy)}.band--navy .ticks li:before{border-color:var(--sky)}.band--navy .ticks--no li{color:var(--on-navy-muted)}.band--navy .ticks--no li:before{border-color:var(--on-navy-muted)}.list-head{margin-bottom:16px;font-size:13px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--accent)}.band--navy .list-head{color:var(--sky)}.pillars{list-style:none;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(200px,100%),1fr));grid-gap:12px;gap:12px}.pillars li{display:flex;flex-direction:column;gap:4px;padding:18px;border-radius:var(--radius);background:var(--tint);font-size:15px;color:var(--ink-2)}.pillars strong{font-size:16px;color:var(--navy)}.dl{display:grid;grid-template-columns:220px 1fr;border-top:1px solid var(--line)}.dl dd,.dl dt{margin:0;padding:18px 0;border-bottom:1px solid var(--line)}.dl dt{padding-right:24px;font-weight:700;color:var(--navy)}.callout,.dl dd{color:var(--ink-2)}.callout{padding:22px 26px;border-radius:var(--radius);background:var(--ground)}.callout strong{color:var(--navy)}.record{font-size:14px;color:var(--muted)}.proof{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));grid-gap:12px;gap:12px}.proof>div{padding:20px;border-radius:var(--radius);background:var(--tint)}.proof .figure__value{font-size:clamp(1.5rem,1.25rem + .8vw,2rem)}.proof .figure__label{font-size:14px}.me{display:flex;flex-wrap:wrap;align-items:center;gap:40px 56px}.me>.portrait{flex:0 1 320px}.me__copy{flex:999 1 460px;min-width:0;display:flex;flex-direction:column;gap:18px}.fit{list-style:none;counter-reset:fit;display:grid;border-top:1px solid var(--line)}.fit li{counter-increment:fit;display:grid;grid-template-columns:44px 1fr;grid-gap:12px;gap:12px;align-items:center;padding:16px 0;border-bottom:1px solid var(--line);font-size:17px;color:var(--navy)}.fit li:before{content:counter(fit);display:grid;place-items:center;width:32px;height:32px;border-radius:var(--radius-sm);background:var(--accent-soft);color:var(--accent);font-size:14px;font-weight:800}.fitcard{display:flex;flex-direction:column;gap:14px;padding:26px;border-radius:var(--radius);background:rgba(255,255,255,.06)}.fitcard h3{font-size:18px;color:#fff}.fitcard ol{display:flex;flex-direction:column;gap:10px;padding-left:20px;color:#dce3ee}.fitcard p{font-size:15px;color:var(--on-navy-muted)}.fitcard a{color:#fff}.closing{background:var(--navy);color:var(--on-navy);padding:var(--band-y) 0 36px}.closing__grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(380px,100%),1fr));grid-gap:40px 64px;gap:40px 64px;align-items:center}.closing__main{display:flex;flex-direction:column;gap:22px}.closing h2{font-size:clamp(2rem,1.3rem + 2.2vw,3.25rem);line-height:1.05;letter-spacing:-.03em;color:#fff}.closing__body{font-size:18px;color:var(--on-navy-muted)}.closing__summary strong{color:#fff}.closing__print{margin-top:56px;padding-top:20px;border-top:1px solid var(--on-navy-line);font-size:13px;color:#9aa8c2}.site-footer{background:var(--navy-deep);color:var(--on-navy-muted);padding:56px 0 40px;font-size:14px;line-height:1.65}.site-footer__grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.4fr);grid-gap:56px;gap:56px}.site-footer__name{font-size:18px;font-weight:800;color:#fff}.site-footer__id{margin-top:10px;display:grid;grid-gap:2px;gap:2px;list-style:none}.site-footer a{color:#fff;text-underline-offset:3px}.site-footer__nav{display:flex;flex-wrap:wrap;gap:8px 24px;margin-bottom:18px;list-style:none}.site-footer__nav a{font-weight:600;text-decoration:none}.site-footer__nav a:hover{text-decoration:underline}.site-footer__legal{margin-top:40px;padding-top:20px;border-top:1px solid var(--on-navy-line);display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px 24px;font-size:13px}.site-footer__legal ul{display:flex;gap:20px;list-style:none}.doc{display:grid;grid-template-columns:minmax(0,1fr) 220px;grid-gap:72px;gap:72px;align-items:start}.toc{order:2;position:-webkit-sticky;position:sticky;top:24px;font-size:14px}.toc__title{margin-bottom:12px;font-size:12px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--muted)}.toc ol{list-style:none;display:grid;grid-gap:2px;gap:2px;border-left:1px solid var(--line)}.toc a{display:block;padding:6px 0 6px 16px;margin-left:-1px;border-left:2px solid transparent;color:var(--ink-2);text-decoration:none;line-height:1.4}.toc a:hover{color:var(--accent-ink);border-left-color:var(--accent)}.doc__section{padding:0 0 56px;margin:0 0 56px;border-bottom:1px solid var(--line)}.doc__section:last-child{border-bottom:0;margin-bottom:0;padding-bottom:0}.doc__section>h2{margin-bottom:22px;font-size:clamp(1.5rem,1.2rem + 1vw,2rem)}.faq-group+.faq-group{margin-top:64px}.faq-group>h2{padding-bottom:14px;margin-bottom:4px;border-bottom:2px solid var(--navy);font-size:clamp(1.4rem,1.2rem + .8vw,1.8rem)}.faq-item{padding:24px 0;border-bottom:1px solid var(--line)}.faq-item h3{font-size:1.15rem;margin-bottom:8px}.faq-item h3 a{color:var(--navy);text-decoration:none}.faq-item h3 a:hover{color:var(--accent-ink)}.faq-item p{color:var(--ink-2);max-width:740px}.estimator{display:grid;border:1px solid var(--line-strong);border-radius:var(--radius);overflow:hidden;background:var(--paper)}.estimator__input{padding:26px 32px;background:var(--tint);border-bottom:1px solid var(--line);display:grid;grid-template-columns:minmax(0,1fr) 240px;grid-template-areas:"label field" "hint field";align-items:center;grid-gap:4px 32px;gap:4px 32px}.estimator__input label{grid-area:label;font-weight:700;color:var(--navy)}.estimator__input .estimator__field{grid-area:field}.estimator__input .qual{grid-area:hint}.estimator__field{display:flex;border:1px solid var(--line-strong);border-radius:var(--radius-sm);background:var(--paper)}.estimator__field input{width:100%;min-height:54px;padding:0 16px;border:0;background:transparent;font:700 22px/1 var(--font-sans),system-ui,sans-serif;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;color:var(--navy)}.estimator__field input:focus-visible{outline:none}.estimator__field:focus-within{outline:2px solid var(--accent);outline-offset:2px}.estimator__output{padding:32px;display:grid;grid-gap:16px;gap:16px}.estimator__output .data td:last-child{white-space:nowrap}.portrait{position:relative;width:100%;max-width:380px;aspect-ratio:4/4.4;border-radius:var(--radius);overflow:hidden;background:var(--navy)}.portrait--sm{max-width:320px}.idblock{display:grid;grid-gap:4px;gap:4px;list-style:none;font-size:15px;color:var(--ink-2)}.idblock li:first-child{font-size:19px;font-weight:800;color:var(--navy)}.draft-note{margin-top:14px;font-size:13.5px;color:#6b4a00}.request{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.15fr);grid-gap:64px;gap:64px;align-items:start}.form-card{padding:36px;border-radius:var(--radius);border:1px solid var(--line);background:var(--paper);box-shadow:0 1px 2px rgba(15,27,51,.04),0 16px 40px -28px rgba(15,27,51,.25)}.form{display:grid;grid-template-columns:1fr 1fr;grid-gap:22px 20px;gap:22px 20px}.field{display:grid;grid-gap:7px;gap:7px;align-content:start}.field--full{grid-column:1/-1}.field label,.field legend{font-size:14px;font-weight:700;color:var(--navy)}.field .opt{font-weight:400;color:var(--muted)}.field input,.field select,.field textarea{width:100%;min-height:48px;padding:10px 14px;border:1px solid var(--line-strong);border-radius:var(--radius-sm);background:var(--paper);font:400 16px/1.4 var(--font-sans),system-ui,sans-serif;color:var(--ink)}.field textarea{min-height:110px;resize:vertical}.field [aria-invalid=true]{border-color:#b42318}.field__hint{font-size:13px;color:var(--muted)}.field__error{font-size:13px;font-weight:700;color:#b42318}.form__notice{grid-column:1/-1;padding:14px 16px;border-radius:var(--radius-sm);background:var(--tint);font-size:14px;color:var(--ink-2)}.form__submit{grid-column:1/-1;display:grid;grid-gap:14px;gap:14px}.form__status{font-size:14.5px;font-weight:700;color:#b42318}.form__done{display:grid;grid-gap:14px;gap:14px}.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.legal-body{color:var(--ink-2);font-size:16px;line-height:1.7}.legal-body p+p,.legal-body p+ul,.legal-body ul+p{margin-top:14px}.legal-body ul{padding-left:22px;display:grid;grid-gap:8px;gap:8px}.legal-body a{text-underline-offset:3px}@media (max-width:1080px){.page-hero__grid,.request{grid-template-columns:1fr;gap:48px}.household{max-width:560px}.doc{grid-template-columns:minmax(0,1fr);gap:40px}.toc{display:none}.proof{grid-template-columns:1fr 1fr}}@media (max-width:960px){:root{--gutter:20px;--band-y:72px}.nav>.btn,.nav__links{display:none}.nav__toggle{display:inline-flex}.nav__panel[data-open=true]{display:block;position:absolute;left:0;right:0;top:100%;background:var(--navy);border-top:1px solid var(--on-navy-line);box-shadow:0 16px 32px -16px rgba(8,26,49,.5)}.nav__panel ul{list-style:none;display:grid;padding:8px 0 12px}.nav__panel a:not(.btn){display:block;padding:14px 0;border-bottom:1px solid var(--on-navy-line);font-weight:600;color:#fff;text-decoration:none}.nav__panel .btn{margin:16px 0 20px;width:100%}.grid-2,.site-footer__grid{grid-template-columns:1fr;gap:40px}.calc{padding:22px}.calc,.dl{grid-template-columns:1fr}.dl dt{padding-bottom:4px;border-bottom:0}.dl dd{padding-top:0}.form{grid-template-columns:1fr}.form-card{padding:28px 22px}.compare td,.compare th{padding:14px 12px;font-size:15px}}@media (max-width:560px){body{font-size:16.5px}.hero{padding:56px 0 48px}.paths{padding-top:48px}.page-hero{padding:56px 0 44px}.brand__id{font-size:11px}.actions .btn,.hero__cta .btn{width:100%}.sizes td,.sizes th{padding:0 10px;font-size:14px}.sizepick__options{grid-template-columns:1fr 1fr}.sizepick__options button:nth-child(3){border-left:0}.sizepick__options button:nth-child(n+3){border-top:1px solid var(--line-strong)}.household{padding:24px 20px 20px}.estimator__input,.proof{grid-template-columns:1fr}.estimator__input{grid-template-areas:"label" "field" "hint";gap:10px;padding:22px 20px}.estimator__output{padding:22px 20px}.estimator__output .data td:last-child{white-space:normal}.data td,.data th{padding:12px 8px;font-size:13.5px}}.band--navy .proof>div{background:rgba(255,255,255,.06)}.hviz{display:flex;flex-direction:column;gap:14px}.hviz__qual{font-size:12.5px;line-height:1.5;color:var(--muted)}.hv-svg{display:block;width:100%;height:auto;overflow:visible}.hv-svg text{font-family:var(--font-sans),system-ui,sans-serif}.hv-t{font-size:19px;font-weight:800;fill:var(--navy)}.hv-t--accent{fill:var(--accent)}.hv-t--white{fill:#fff}.hv-small{font-size:15px;font-weight:600;fill:var(--muted)}.hv-small--white{fill:#dbe3ff}.hv-row{font-size:17px;font-weight:700;fill:var(--ink-2)}.hv-row--big{font-size:22px;font-weight:800;fill:var(--navy)}.hv-tile{fill:var(--tint);stroke:var(--line);stroke-width:1.5}.hv-tile--other{fill:#fff;stroke:var(--accent-soft);stroke-width:2.5}.hv-arrow{fill:none;stroke:var(--accent);stroke-width:3;stroke-linecap:round;stroke-linejoin:round;opacity:.3;transition:opacity .4s ease}[data-stage="1"] .hv-arrow,[data-stage="2"] .hv-arrow,[data-stage="3"] .hv-arrow{opacity:1}.hv-p{fill:var(--navy)}.hv-p--emp{fill:var(--accent)}.hv-p--spouse{fill:var(--navy)}.hv-name{font-size:15px;font-weight:700;fill:var(--ink-2)}.hv-name--emp{fill:var(--accent)}[data-stage="0"] .hv-move{transition:none}.hv-move{transition:transform 1s cubic-bezier(.65,0,.35,1)}.hv-pill{fill:var(--accent)}.hv-pill-t{font-size:14px;font-weight:800;fill:#fff}.hv-after,.hv-hra,.hv-save,.hv-save-t{opacity:0;transition:opacity .5s ease}[data-stage="2"] .hv-after,[data-stage="2"] .hv-hra,[data-stage="2"] .hv-save,[data-stage="2"] .hv-save-t,[data-stage="3"] .hv-after,[data-stage="3"] .hv-hra,[data-stage="3"] .hv-save,[data-stage="3"] .hv-save-t{opacity:1}.hv-track{fill:var(--tint)}.hv-cost{fill:var(--navy);transform-box:fill-box;transform-origin:0 50%;transition:transform 1s cubic-bezier(.65,0,.35,1),fill .6s ease}[data-stage="2"] .hv-cost,[data-stage="3"] .hv-cost{transform:scaleX(.32);fill:var(--accent)}.hv-cost-t{font-size:17px;font-weight:700;fill:#fff;transition:opacity .3s ease}[data-stage="2"] .hv-cost-t,[data-stage="3"] .hv-cost-t{opacity:0}.hv-save{fill:#e7f6ef;stroke:#12805c;stroke-width:2;stroke-dasharray:7 5}.hv-save-t{font-size:18px}.hv-count,.hv-save-t{font-weight:800;fill:#12805c}.hv-count{font-size:40px;letter-spacing:-.03em;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;opacity:0;transition:opacity .3s ease}.hv-count--r,.hv-count--sm{font-size:40px}[data-stage="3"] .hv-count{opacity:1}@media (prefers-reduced-motion:reduce){.hviz *{transition:none!important;animation:none!important}}.ba{display:flex;flex-direction:column;gap:18px;padding:clamp(20px,3vw,32px);border-radius:var(--radius);background:var(--paper);border:1px solid var(--line)}.ba__tabs{display:flex;flex-wrap:wrap;gap:8px}.ba__tabs button{min-height:40px;padding:0 14px;border:1px solid var(--line-strong);border-radius:var(--radius-xs);background:var(--paper);color:var(--ink-2);font:600 14.5px var(--font-sans),system-ui,sans-serif;cursor:pointer}.ba__tabs button:hover{border-color:var(--accent);color:var(--navy)}.ba__tabs button[aria-selected=true]{background:var(--navy);border-color:var(--navy);color:#fff}.ba__panel{display:flex;flex-direction:column;gap:16px}.ba__intro{font-size:17px;font-weight:600;color:var(--navy)}.ba__grid{display:grid;grid-template-columns:minmax(0,1fr) auto minmax(0,1fr);align-items:stretch;grid-gap:14px;gap:14px}.ba__card{display:flex;flex-direction:column;gap:16px;padding:20px;border-radius:var(--radius);background:var(--tint);border:1px solid var(--line)}.ba__card--after{background:#fff;border:2px solid var(--accent-soft)}.ba__head{display:flex;flex-wrap:wrap;align-items:center;gap:10px}.ba__tag{padding:3px 10px;border-radius:var(--radius-xs);background:var(--line);color:var(--ink-2);font-size:12px;font-weight:800;letter-spacing:.06em;text-transform:uppercase}.ba__tag--after{background:var(--accent);color:#fff}.ba__title{font-size:16px;font-weight:800;color:var(--navy)}.ba__people{display:flex;flex-wrap:wrap;align-items:flex-end;gap:6px 12px;min-height:70px}.ba__person{position:relative;display:inline-flex;flex-direction:column;align-items:center;gap:4px;fill:var(--navy)}.ba__person.is-emp{fill:var(--accent)}.ba__person.is-muted{fill:#8a96ad}.ba__person.is-muted .ba__who{color:var(--muted)}.ba__who{font-size:12px;font-weight:700;color:var(--ink-2)}.ba__tick{position:absolute;top:-4px;right:-6px}.ba__tick circle{fill:var(--accent)}.ba__tick path{fill:none;stroke:#fff;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.ba__facts{list-style:none;display:grid;grid-gap:6px;gap:6px;font-size:15px;color:var(--ink-2)}.ba__facts li{position:relative;padding-left:18px}.ba__facts li:before{content:"";position:absolute;left:2px;top:.62em;width:7px;height:7px;border-radius:50%;background:var(--line-strong)}.ba__card--after .ba__facts li:before{background:var(--accent)}.ba__cost{display:grid;grid-gap:8px;gap:8px;margin-top:auto;padding-top:14px;border-top:1px solid var(--line)}.ba__cost-label{font-size:13px;font-weight:800;color:var(--navy)}.ba__bar{display:flex;gap:6px;height:44px}.ba__bar>span{display:flex;align-items:center;border-radius:var(--radius-sm);font-size:14px;font-weight:700;white-space:nowrap;overflow:hidden}.ba__full{flex:1 1;padding:0 14px;background:var(--navy);color:#fff}.ba__hra{flex:0 0 30%;background:var(--accent);transform-origin:0 50%}.ba__save{flex:1 1;justify-content:center;border:2px dashed #12805c;background:#e7f6ef;color:#12805c}.ba__key{font-size:13px;font-weight:600;color:var(--ink-2)}.ba__key i{display:inline-block;width:10px;height:10px;margin-right:4px;border-radius:2px;background:var(--accent);vertical-align:-1px}.ba__arrow{display:grid;place-items:center}.ba__arrow circle{fill:var(--accent-soft)}.ba__arrow path{fill:none;stroke:var(--accent);stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round}.ba.is-on .ba__person.is-mover{animation:ba-in .7s cubic-bezier(.34,1.3,.64,1) both}.ba.is-on .ba__tick{animation:ba-pop .42s cubic-bezier(.34,1.56,.64,1) both}.ba.is-on .ba__hra{animation:ba-shrink 1.1s cubic-bezier(.65,0,.35,1) .5s both}.ba.is-on .ba__save{animation:ba-fade .6s ease 1.3s both}.ba.is-on .ba__arrow svg{animation:ba-nudge 2.4s ease-in-out 1.6s infinite}@keyframes ba-in{0%{opacity:0;transform:translateX(-18px)}to{opacity:1;transform:none}}@keyframes ba-pop{0%{opacity:0;transform:scale(.3)}to{opacity:1;transform:scale(1)}}@keyframes ba-shrink{0%{flex-basis:100%;background:var(--navy)}to{flex-basis:30%;background:var(--accent)}}@keyframes ba-fade{0%{opacity:0}to{opacity:1}}@keyframes ba-nudge{0%,to{transform:translateX(0)}50%{transform:translateX(4px)}}@media (max-width:760px){.ba__grid{grid-template-columns:minmax(0,1fr)}.ba__arrow{transform:rotate(90deg)}}@media (prefers-reduced-motion:reduce){.ba *,.sviz *{transition:none!important;animation:none!important}}.sviz{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);grid-gap:32px;gap:32px;margin-top:28px;padding:clamp(20px,3vw,32px);border-radius:var(--radius);background:var(--paper);border:1px solid var(--line)}.sviz__grid-wrap{display:flex;flex-direction:column;gap:14px}.sviz__grid{display:grid;grid-template-columns:repeat(10,minmax(0,1fr));grid-gap:7px;gap:7px;padding:16px;border-radius:var(--radius);background:var(--tint)}.sviz__dot{aspect-ratio:1;border-radius:50%;background:var(--navy);opacity:.18;transform:scale(.6);transition:background-color .5s ease,opacity .5s ease,transform .5s cubic-bezier(.34,1.56,.64,1)}.sviz[data-stage="0"] .sviz__dot,.sviz[data-stage="1"] .sviz__dot,.sviz[data-stage="2"] .sviz__dot,.sviz[data-stage="3"] .sviz__dot{opacity:1;transform:scale(1)}.sviz:not([data-stage="0"]) .sviz__dot.is-access{background:var(--sky)}.sviz[data-stage="2"] .sviz__dot.is-join,.sviz[data-stage="3"] .sviz__dot.is-join{background:var(--accent);transform:scale(1.18)}.sviz[data-stage="3"] .sviz__dot:not(.is-join){opacity:.35}.sviz__legend{display:flex;flex-wrap:wrap;gap:6px 16px;font-size:13px;font-weight:600;color:var(--ink-2)}.sviz__legend .k{display:inline-block;width:10px;height:10px;margin-right:6px;border-radius:50%;vertical-align:-1px}.k--all{background:var(--navy)}.k--access{background:var(--sky)}.k--join{background:var(--accent)}.sviz__side{display:flex;flex-direction:column;gap:18px}.sviz__steps{list-style:none;counter-reset:sv;display:grid;grid-gap:4px;gap:4px}.sviz__steps li{counter-increment:sv;display:grid;grid-template-columns:32px 1fr;grid-column-gap:12px;column-gap:12px;padding:10px 0;opacity:.4;transition:opacity .4s ease}.sviz__steps li:before{content:counter(sv);grid-row:span 2;display:grid;place-items:center;width:28px;height:28px;border-radius:var(--radius-sm);background:var(--accent-soft);color:var(--accent);font-size:13px;font-weight:800}.sviz__steps li.is-on{opacity:1}.sviz__steps li[aria-current=step]:before{background:var(--accent);color:#fff}.sviz__steps strong{color:var(--navy)}.sviz__steps span{font-size:15px;color:var(--ink-2)}.sviz__bars{display:grid;grid-gap:12px;gap:12px;padding:16px;border-radius:var(--radius);background:var(--tint);opacity:.35;transition:opacity .4s ease}.sviz__bars.is-on{opacity:1}.sviz__row{display:grid;grid-gap:6px;gap:6px}.sviz__row-label{font-size:13px;font-weight:700;color:var(--ink-2)}.sviz__bar{display:flex;height:30px;border-radius:var(--radius-xs);overflow:hidden;background:var(--paper)}.sviz__fill{display:grid;place-items:center;height:100%;width:0;transition:width .9s cubic-bezier(.65,0,.35,1)}.sviz__fill--full{background:var(--navy)}.sviz__fill--reimb{background:var(--accent);transition-delay:.3s}.sviz__fill--admin{background:var(--sky);transition-delay:.8s}.sviz__fill--save{overflow:hidden;border:2px dashed var(--accent);border-left:0;border-radius:0 var(--radius-xs) var(--radius-xs) 0;background:var(--accent-soft);color:var(--accent);font-size:13px;font-weight:800;white-space:nowrap;transition-delay:1.3s}.sviz__bars.is-on .sviz__fill--full{width:100%}.sviz__bars.is-on .sviz__fill--reimb{width:38%}.sviz__bars.is-on .sviz__fill--admin{width:10%}.sviz__bars.is-on .sviz__fill--save{width:52%}.sviz__then{font-size:14.5px;font-weight:700;color:var(--navy)}.sviz__foot{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:8px 16px;margin-top:auto}.sviz__replay{min-height:40px;padding:0 14px;border:1px solid var(--line-strong);border-radius:var(--radius-xs);background:var(--paper);color:var(--navy);font:600 14px var(--font-sans),system-ui,sans-serif;cursor:pointer}.sviz__replay:hover{border-color:var(--accent)}@media (max-width:860px){.sviz{grid-template-columns:minmax(0,1fr)}}.hero__split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,480px);grid-gap:40px 72px;gap:40px 72px;align-items:center}.hero__split h1{font-size:clamp(2.3rem,1.1rem + 3vw,3.9rem)}@media (max-width:1000px){.hero__split{grid-template-columns:minmax(0,1fr)}.hero__split .hviz{max-width:520px}}.data--grid tbody th{padding:14px 16px;border-bottom:1px solid var(--line-soft);text-align:left;font-size:15.5px;font-weight:700;color:var(--navy)}.data--grid td{vertical-align:middle}.data--grid td:last-child{font-weight:400}.data__main{display:block;font-size:16px;font-weight:800;color:var(--navy)}.data__sub{display:block;margin-top:2px;font-size:12.5px;font-weight:600;color:var(--muted)}.data--grid tbody td:nth-child(3),.data--grid thead th:nth-child(3){background:var(--tint)}.paid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(300px,100%),1fr));grid-gap:16px;gap:16px;margin-top:24px}.paid__case{display:grid;grid-gap:14px;gap:14px;align-content:start;padding:22px;border-radius:var(--radius);border:1px solid var(--line);background:var(--paper)}.paid__case p{font-size:15px;color:var(--ink-2)}.paid__title{font-size:16px;font-weight:800;color:var(--navy)}.paid__bar{height:46px;gap:4px;background:var(--tint)}.paid__bar,.paid__bar>span{display:flex;border-radius:var(--radius-sm);overflow:hidden}.paid__bar>span{align-items:center;justify-content:center;padding:0 10px;font-size:13.5px;font-weight:700;white-space:nowrap;transition:flex-basis 1.1s cubic-bezier(.65,0,.35,1),opacity .7s ease}.paid__keep{flex:0 0;background:#12805c;color:#fff}.paid__share{flex:0 0;background:var(--accent-soft);color:var(--accent);border:2px solid var(--accent)}.paid.is-on .paid__keep{flex-basis:76%}.paid.is-on .paid__share{flex-basis:calc(24% - 4px);transition-delay:.5s}.paid__bar--empty{border:2px dashed var(--line-strong);background:transparent}.paid__none{flex:1 1;color:var(--muted);opacity:0}.paid.is-on .paid__none{opacity:1;transition-delay:.9s}@media (prefers-reduced-motion:reduce){.paid *{transition:none!important}}.jump{position:-webkit-sticky;position:sticky;top:0;z-index:40;background:rgba(255,255,255,.96);-webkit-backdrop-filter:saturate(1.4) blur(8px);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}.jump__inner{display:flex;gap:4px 24px;overflow-x:auto;scrollbar-width:none}.jump__inner::-webkit-scrollbar{display:none}.jump a{flex:none;display:block;padding:16px 0;border-bottom:2px solid transparent;font-size:14.5px;font-weight:700;color:var(--ink-2);text-decoration:none;white-space:nowrap}.jump a:hover{color:var(--accent-ink);border-bottom-color:var(--accent)}.hiw{scroll-margin-top:56px}.hiw__head{display:grid;grid-gap:12px;gap:12px;max-width:780px;margin-bottom:36px}.hiw__head--center{margin-inline:auto;text-align:center}.hiw__head--row{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:12px 24px;max-width:none}.hiw__head--row>div{display:grid;grid-gap:12px;gap:12px}.hiw__split{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);grid-gap:40px 64px;gap:40px 64px;align-items:center}.hiw__split .hiw__head{margin-bottom:0}.pill{display:inline-flex;align-items:center;padding:8px 14px;border-radius:var(--radius-xs);background:var(--accent-soft);color:var(--accent-ink);font-size:14px;font-weight:700}.keyfacts{list-style:none;display:grid;grid-gap:12px;gap:12px}.keyfacts li{display:grid;grid-gap:4px;gap:4px;padding:18px 20px;border-radius:var(--radius);border-left:4px solid var(--accent);background:var(--tint);font-size:15px;color:var(--ink-2)}.keyfacts strong{font-size:17px;color:var(--navy)}.stepcards{list-style:none;counter-reset:sc;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));grid-gap:16px;gap:16px}.stepcards li{counter-increment:sc;display:grid;grid-template-columns:36px minmax(0,1fr);align-content:start;align-items:center;grid-gap:10px 12px;gap:10px 12px;padding:22px;border-radius:var(--radius);border:1px solid var(--line);background:var(--paper)}.stepcards li:before{content:counter(sc);display:grid;place-items:center;width:36px;height:36px;border-radius:var(--radius-sm);background:var(--accent-soft);color:var(--accent);font-weight:800}.stepcards h3{font-size:18px}.stepcards p{grid-column:1/-1;font-size:15px;color:var(--ink-2)}.census{display:grid;grid-template-columns:auto minmax(0,1fr);grid-gap:6px 16px;gap:6px 16px;align-items:baseline;margin-top:20px;padding:18px 20px;border-radius:var(--radius);background:var(--navy);color:var(--on-navy);font-size:15px}.census strong{color:#fff;white-space:nowrap}.iconcards{list-style:none;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(230px,100%),1fr));grid-gap:16px;gap:16px}.iconcards li{display:grid;align-content:start;grid-gap:10px;gap:10px;padding:22px;border-radius:var(--radius);background:var(--paper)}.iconcards__icon{display:grid;place-items:center;width:44px;height:44px;border-radius:var(--radius-sm);background:var(--accent-soft);color:var(--accent)}.iconcards h3{font-size:17px}.iconcards p{font-size:15px;color:var(--ink-2)}.qualify{grid-template-columns:repeat(auto-fit,minmax(min(320px,100%),1fr))}.qualify,.qualify__card{display:grid;grid-gap:16px;gap:16px}.qualify__card{align-content:start;padding:24px;border-radius:var(--radius);border:1px solid var(--line);background:var(--tint)}.qualify__card--yes{background:var(--paper);border:2px solid var(--accent-soft);border-top:4px solid var(--accent)}.qualify__card h3{font-size:18px}.isnt{display:grid;border-radius:var(--radius);overflow:hidden;background:var(--paper);border:1px solid var(--line)}.isnt__row{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr)}.isnt__row+.isnt__row{border-top:1px solid var(--line)}.isnt__row>span{position:relative;padding:16px 20px 16px 48px;font-size:15.5px}.isnt__row--head>span{padding:12px 20px;font-size:12.5px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);background:var(--tint)}.isnt__yes{font-weight:700;color:var(--navy)}.isnt__no{color:var(--muted);border-left:1px solid var(--line)}.isnt__no:before,.isnt__yes:before{position:absolute;left:18px;top:15px;display:grid;place-items:center;width:20px;height:20px;border-radius:50%;font-size:12px;font-weight:800}.isnt__yes:before{content:"✓";background:var(--accent-soft);color:var(--accent)}.isnt__no:before{content:"✕";background:var(--line);color:var(--muted)}.gtk{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(360px,100%),1fr));grid-gap:16px;gap:16px}.gtk__card{display:grid;grid-gap:10px;gap:10px;align-content:start;padding:24px;border-radius:var(--radius);border:1px solid var(--line);background:var(--paper);scroll-margin-top:72px}.gtk__card h3{font-size:18px}.gtk__card p{color:var(--ink-2)}@media (max-width:1000px){.stepcards{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:640px){.stepcards{grid-template-columns:minmax(0,1fr)}}@media (max-width:900px){.census,.hiw__split,.isnt__row{grid-template-columns:minmax(0,1fr)}.isnt__no{border-left:0;border-top:1px dashed var(--line)}.isnt__row--head{display:none}}.jump__inner{justify-content:center}@media (max-width:900px){.jump__inner{justify-content:flex-start}}.census a{color:#fff;font-weight:700;text-underline-offset:3px}.sizetable{display:grid;grid-gap:18px;gap:18px}.sizetable__input{display:grid;grid-template-columns:minmax(0,1fr) 240px;grid-template-areas:"label field" "hint field";align-items:center;grid-gap:4px 24px;gap:4px 24px;padding:20px 24px;border-radius:var(--radius);background:var(--accent-soft)}.sizetable__input label{grid-area:label;font-weight:800;color:var(--navy)}.sizetable__input input{grid-area:field;width:100%;min-height:52px;padding:0 16px;border:1px solid var(--line-strong);border-radius:var(--radius-sm);background:#fff;font:700 20px var(--font-sans),system-ui,sans-serif;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;color:var(--navy)}.sizetable__input input::placeholder{font-size:16px;font-weight:500;color:var(--muted)}.sizetable__input .qual{grid-area:hint}.data--grid tr.is-yours td,.data--grid tr.is-yours th{background:var(--accent-soft)!important}.data--grid tr.is-yours th{box-shadow:inset 4px 0 0 var(--accent)}.sizetable__you{display:inline-block;margin-left:10px;padding:2px 8px;border-radius:var(--radius-xs);background:var(--accent);color:#fff;font-size:11.5px;font-weight:800;letter-spacing:.04em;text-transform:uppercase;vertical-align:2px}@media (max-width:640px){.sizetable__input{grid-template-columns:minmax(0,1fr);grid-template-areas:"label" "field" "hint";gap:10px}}.aviz{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));grid-gap:12px;gap:12px;margin-top:28px}.aviz__card{display:grid;grid-gap:10px;gap:10px;margin:0;padding:14px 12px 16px;border-radius:var(--radius);border:1px solid var(--line);background:var(--paper)}.aviz__card svg{display:block;width:100%;height:auto;overflow:hidden;border-radius:var(--radius-sm);background:var(--tint)}.aviz__card figcaption{font-size:13.5px;font-weight:700;line-height:1.35;text-align:center;color:var(--navy)}.av-p{fill:var(--navy)}.av-p--emp{fill:var(--accent)}.av-heart{fill:#e5484d;opacity:0;transform-box:fill-box;transform-origin:50% 100%}.av-roof{fill:var(--navy)}.av-house{fill:#fff;stroke:var(--line-strong);stroke-width:1.5}.av-coin{opacity:0}.av-coin circle{fill:#f5b83d;stroke:#d99a1e;stroke-width:1.5}.av-coin text{font:800 11px var(--font-sans),system-ui,sans-serif;fill:#7a5200}.av-axis{stroke:var(--line-strong);stroke-width:2}.av-bar{fill:var(--navy);transform-box:fill-box;transform-origin:50% 100%}.av-bar--2{transform:scaleY(.78)}.av-bar--3{transform:scaleY(.55);fill:#12805c}.av-down circle{fill:#e7f6ef}.av-down path{fill:none;stroke:#12805c;stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round}.aviz.is-on .av-heart{animation:av-heart 2.7s ease-out infinite}.aviz.is-on .av-coin--drop{animation:av-drop 2.6s ease-in infinite}.aviz.is-on .av-bar--2{animation:av-step-2 5s cubic-bezier(.65,0,.35,1) infinite}.aviz.is-on .av-bar--3{animation:av-step-3 5s cubic-bezier(.65,0,.35,1) infinite}.aviz.is-on .av-down{animation:av-bob 1.6s ease-in-out infinite}@keyframes av-heart{0%{opacity:0;transform:translateY(6px) scale(.4)}18%{opacity:1;transform:translateY(0) scale(1.15)}30%{transform:translateY(-2px) scale(1)}75%{opacity:1;transform:translateY(-16px) scale(1)}to{opacity:0;transform:translateY(-22px) scale(.9)}}@keyframes av-drop{0%{opacity:0;transform:translateY(0)}15%{opacity:1}60%{opacity:1;transform:translateY(52px)}75%,to{opacity:0;transform:translateY(62px)}}@keyframes av-step-2{0%,15%{transform:scaleY(1)}40%,90%{transform:scaleY(.78)}to{transform:scaleY(1)}}@keyframes av-step-3{0%,25%{transform:scaleY(1);fill:var(--navy)}55%,90%{transform:scaleY(.55);fill:#12805c}to{transform:scaleY(1);fill:var(--navy)}}@keyframes av-bob{0%,to{transform:translateY(0)}50%{transform:translateY(4px)}}@media (max-width:480px){.aviz{gap:8px}.aviz__card{padding:10px 8px 12px}.aviz__card figcaption{font-size:12px}}@media (prefers-reduced-motion:reduce){.aviz *{animation:none!important}.av-coin,.av-heart{opacity:1}}.upinfo{display:grid;grid-gap:10px;gap:10px}.upinfo h2{font-size:1.35rem}.upinfo p{color:var(--ink-2)}.upinfo--secure{grid-template-columns:auto minmax(0,1fr);align-items:start;gap:12px;padding:18px 20px;border-radius:var(--radius);background:var(--accent-soft);color:var(--accent)}.upinfo--secure p{font-size:15px}.field__label{font-size:14px;font-weight:700;color:var(--navy)}.dropzone{position:relative;display:grid;justify-items:center;grid-gap:6px;gap:6px;padding:28px 20px;border:2px dashed var(--line-strong);border-radius:var(--radius);background:var(--tint);color:var(--accent);text-align:center;cursor:pointer;transition:border-color .16s ease,background-color .16s ease}.dropzone:focus-within,.dropzone:hover{border-color:var(--accent);background:var(--accent-soft)}.dropzone.has-file{border-style:solid;border-color:var(--accent)}.dropzone input{position:absolute;inset:0;width:100%;height:100%;opacity:0;cursor:pointer}.dropzone__main{font-weight:800;color:var(--navy);word-break:break-all}.dropzone__sub{font-size:13px;color:var(--muted)}.check{display:grid;grid-template-columns:auto minmax(0,1fr);grid-gap:10px;gap:10px;align-items:start;font-size:15px;font-weight:600!important;color:var(--ink-2)!important;cursor:pointer}.check input{width:20px;height:20px;min-height:0;margin:2px 0 0;accent-color:var(--accent)}.rform{display:grid;grid-gap:26px;gap:26px}.rform__intro{display:grid;grid-gap:6px;gap:6px}.rform__intro h2{font-size:1.5rem}.rform__intro p{font-size:15px;color:var(--muted)}.rform__group{margin:0;padding:22px 0 0;border:0;border-top:1px solid var(--line);min-width:0}.rform__group>legend{padding:0 0 14px;font-size:13px;font-weight:800;letter-spacing:.05em;text-transform:uppercase;color:var(--navy)}.rform__group>legend .opt{text-transform:none;letter-spacing:0;font-weight:500;color:var(--muted)}.rform__reach{margin:0;padding:0;border:0;min-width:0}.rform__reach legend{padding:0;margin-bottom:7px}.rform__chips{display:flex;flex-wrap:wrap;gap:8px}.chip{position:relative;cursor:pointer}.chip input{position:absolute;opacity:0;width:1px;height:1px}.chip span{display:inline-flex;align-items:center;min-height:44px;padding:0 16px;border:1px solid var(--line-strong);border-radius:var(--radius-sm);font-size:15px;font-weight:600;color:var(--ink-2);background:var(--paper)}.chip input:checked+span{border-color:var(--accent);background:var(--accent-soft);color:var(--accent-ink)}.chip input:focus-visible+span{outline:2px solid var(--accent);outline-offset:2px}.rform__call{padding:16px 18px;border-radius:var(--radius);background:var(--tint);color:var(--navy)!important;font-weight:700!important}.rform .form__notice a{font-weight:700}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:400;font-display:swap;src:url(/_next/static/media/6fe53d21e6e7ebd8-s.woff2) format("woff2");unicode-range:u+0460-052f,u+1c80-1c8a,u+20b4,u+2de0-2dff,u+a640-a69f,u+fe2e-fe2f}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:400;font-display:swap;src:url(/_next/static/media/8ebc6e9dde468c4a-s.woff2) format("woff2");unicode-range:u+0102-0103,u+0110-0111,u+0128-0129,u+0168-0169,u+01a0-01a1,u+01af-01b0,u+0300-0301,u+0303-0304,u+0308-0309,u+0323,u+0329,u+1ea0-1ef9,u+20ab}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:400;font-display:swap;src:url(/_next/static/media/9e7b0a821b9dfcb4-s.woff2) format("woff2");unicode-range:u+0100-02ba,u+02bd-02c5,u+02c7-02cc,u+02ce-02d7,u+02dd-02ff,u+0304,u+0308,u+0329,u+1d00-1dbf,u+1e00-1e9f,u+1ef2-1eff,u+2020,u+20a0-20ab,u+20ad-20c0,u+2113,u+2c60-2c7f,u+a720-a7ff}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:400;font-display:swap;src:url(/_next/static/media/636a5ac981f94f8b-s.p.woff2) format("woff2");unicode-range:u+00??,u+0131,u+0152-0153,u+02bb-02bc,u+02c6,u+02da,u+02dc,u+0304,u+0308,u+0329,u+2000-206f,u+20ac,u+2122,u+2191,u+2193,u+2212,u+2215,u+feff,u+fffd}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:500;font-display:swap;src:url(/_next/static/media/6fe53d21e6e7ebd8-s.woff2) format("woff2");unicode-range:u+0460-052f,u+1c80-1c8a,u+20b4,u+2de0-2dff,u+a640-a69f,u+fe2e-fe2f}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:500;font-display:swap;src:url(/_next/static/media/8ebc6e9dde468c4a-s.woff2) format("woff2");unicode-range:u+0102-0103,u+0110-0111,u+0128-0129,u+0168-0169,u+01a0-01a1,u+01af-01b0,u+0300-0301,u+0303-0304,u+0308-0309,u+0323,u+0329,u+1ea0-1ef9,u+20ab}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:500;font-display:swap;src:url(/_next/static/media/9e7b0a821b9dfcb4-s.woff2) format("woff2");unicode-range:u+0100-02ba,u+02bd-02c5,u+02c7-02cc,u+02ce-02d7,u+02dd-02ff,u+0304,u+0308,u+0329,u+1d00-1dbf,u+1e00-1e9f,u+1ef2-1eff,u+2020,u+20a0-20ab,u+20ad-20c0,u+2113,u+2c60-2c7f,u+a720-a7ff}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:500;font-display:swap;src:url(/_next/static/media/636a5ac981f94f8b-s.p.woff2) format("woff2");unicode-range:u+00??,u+0131,u+0152-0153,u+02bb-02bc,u+02c6,u+02da,u+02dc,u+0304,u+0308,u+0329,u+2000-206f,u+20ac,u+2122,u+2191,u+2193,u+2212,u+2215,u+feff,u+fffd}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:600;font-display:swap;src:url(/_next/static/media/6fe53d21e6e7ebd8-s.woff2) format("woff2");unicode-range:u+0460-052f,u+1c80-1c8a,u+20b4,u+2de0-2dff,u+a640-a69f,u+fe2e-fe2f}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:600;font-display:swap;src:url(/_next/static/media/8ebc6e9dde468c4a-s.woff2) format("woff2");unicode-range:u+0102-0103,u+0110-0111,u+0128-0129,u+0168-0169,u+01a0-01a1,u+01af-01b0,u+0300-0301,u+0303-0304,u+0308-0309,u+0323,u+0329,u+1ea0-1ef9,u+20ab}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:600;font-display:swap;src:url(/_next/static/media/9e7b0a821b9dfcb4-s.woff2) format("woff2");unicode-range:u+0100-02ba,u+02bd-02c5,u+02c7-02cc,u+02ce-02d7,u+02dd-02ff,u+0304,u+0308,u+0329,u+1d00-1dbf,u+1e00-1e9f,u+1ef2-1eff,u+2020,u+20a0-20ab,u+20ad-20c0,u+2113,u+2c60-2c7f,u+a720-a7ff}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:600;font-display:swap;src:url(/_next/static/media/636a5ac981f94f8b-s.p.woff2) format("woff2");unicode-range:u+00??,u+0131,u+0152-0153,u+02bb-02bc,u+02c6,u+02da,u+02dc,u+0304,u+0308,u+0329,u+2000-206f,u+20ac,u+2122,u+2191,u+2193,u+2212,u+2215,u+feff,u+fffd}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:700;font-display:swap;src:url(/_next/static/media/6fe53d21e6e7ebd8-s.woff2) format("woff2");unicode-range:u+0460-052f,u+1c80-1c8a,u+20b4,u+2de0-2dff,u+a640-a69f,u+fe2e-fe2f}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:700;font-display:swap;src:url(/_next/static/media/8ebc6e9dde468c4a-s.woff2) format("woff2");unicode-range:u+0102-0103,u+0110-0111,u+0128-0129,u+0168-0169,u+01a0-01a1,u+01af-01b0,u+0300-0301,u+0303-0304,u+0308-0309,u+0323,u+0329,u+1ea0-1ef9,u+20ab}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:700;font-display:swap;src:url(/_next/static/media/9e7b0a821b9dfcb4-s.woff2) format("woff2");unicode-range:u+0100-02ba,u+02bd-02c5,u+02c7-02cc,u+02ce-02d7,u+02dd-02ff,u+0304,u+0308,u+0329,u+1d00-1dbf,u+1e00-1e9f,u+1ef2-1eff,u+2020,u+20a0-20ab,u+20ad-20c0,u+2113,u+2c60-2c7f,u+a720-a7ff}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:700;font-display:swap;src:url(/_next/static/media/636a5ac981f94f8b-s.p.woff2) format("woff2");unicode-range:u+00??,u+0131,u+0152-0153,u+02bb-02bc,u+02c6,u+02da,u+02dc,u+0304,u+0308,u+0329,u+2000-206f,u+20ac,u+2122,u+2191,u+2193,u+2212,u+2215,u+feff,u+fffd}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:800;font-display:swap;src:url(/_next/static/media/6fe53d21e6e7ebd8-s.woff2) format("woff2");unicode-range:u+0460-052f,u+1c80-1c8a,u+20b4,u+2de0-2dff,u+a640-a69f,u+fe2e-fe2f}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:800;font-display:swap;src:url(/_next/static/media/8ebc6e9dde468c4a-s.woff2) format("woff2");unicode-range:u+0102-0103,u+0110-0111,u+0128-0129,u+0168-0169,u+01a0-01a1,u+01af-01b0,u+0300-0301,u+0303-0304,u+0308-0309,u+0323,u+0329,u+1ea0-1ef9,u+20ab}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:800;font-display:swap;src:url(/_next/static/media/9e7b0a821b9dfcb4-s.woff2) format("woff2");unicode-range:u+0100-02ba,u+02bd-02c5,u+02c7-02cc,u+02ce-02d7,u+02dd-02ff,u+0304,u+0308,u+0329,u+1d00-1dbf,u+1e00-1e9f,u+1ef2-1eff,u+2020,u+20a0-20ab,u+20ad-20c0,u+2113,u+2c60-2c7f,u+a720-a7ff}@font-face{font-family:Plus Jakarta Sans;font-style:normal;font-weight:800;font-display:swap;src:url(/_next/static/media/636a5ac981f94f8b-s.p.woff2) format("woff2");unicode-range:u+00??,u+0131,u+0152-0153,u+02bb-02bc,u+02c6,u+02da,u+02dc,u+0304,u+0308,u+0329,u+2000-206f,u+20ac,u+2122,u+2191,u+2193,u+2212,u+2215,u+feff,u+fffd}@font-face{font-family:Plus Jakarta Sans Fallback;src:local("Arial");ascent-override:98.88%;descent-override:21.15%;line-gap-override:0.00%;size-adjust:104.98%}.__className_a11773{font-family:Plus Jakarta Sans,Plus Jakarta Sans Fallback;font-style:normal}.__variable_a11773{--font-sans:"Plus Jakarta Sans","Plus Jakarta Sans Fallback"}