:root{--navy:#142d3e;--ivory:#faf8f3;--teal:#d6eae5;--sage:#83a99a;--coral:#dd947f;--ink:#263f4d;--muted:#52636b;--line:#d9dfd9;--white:#fff;--serif:Georgia,'Times New Roman',serif;--radius:22px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;background:var(--ivory);color:var(--navy);font:16px/1.7 -apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif}h1,h2,h3,p{margin:0 0 1rem}h1,h2,h3{line-height:1.12;font-weight:400}h1,h2{font-family:var(--serif);letter-spacing:-.045em}h1{font-size:clamp(2.9rem,5.3vw,5.2rem)}h2{font-size:clamp(2.2rem,3.8vw,3.5rem)}h3{font-size:1.3rem;font-weight:600;letter-spacing:-.025em}a{color:inherit;text-underline-offset:4px}button,input,select,textarea{font:inherit}button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}button:disabled{cursor:not-allowed;opacity:.7}a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #b95032;outline-offset:5px}img{max-width:100%;display:block}small,.small{font-size:.83rem}.muted{color:var(--muted)}.wrap{width:min(1200px,calc(100% - 64px));margin:auto}.narrow{max-width:780px}.skip{position:fixed;left:10px;top:-100px;background:white;padding:12px;z-index:100}.skip:focus{top:10px}.announcement{background:var(--navy);color:#fff;text-align:center;font-size:.75rem;letter-spacing:.07em;padding:9px 16px}.announcement span{color:var(--teal)}header{background:var(--ivory);border-bottom:1px solid var(--line);position:relative;z-index:10}.header-inner{min-height:94px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;flex-shrink:0}.brand img{width:53px;height:53px;object-fit:contain}.brand-name{font-family:var(--serif);font-size:1.7rem;letter-spacing:-.04em;line-height:1}.brand small{display:block;font-size:.57rem;letter-spacing:.13em;font-family:inherit;font-weight:600;margin-top:8px}header nav{display:flex;gap:25px;align-items:center;font-size:.85rem}header nav a{text-decoration:none;padding:12px 0;white-space:nowrap}header nav a[aria-current=page]{box-shadow:0 2px var(--navy)}.button{display:inline-flex;align-items:center;justify-content:center;gap:18px;min-height:49px;border-radius:100px;padding:12px 24px;border:1px solid var(--navy);background:var(--navy);color:#fff;text-decoration:none;font-size:.86rem;font-weight:600;line-height:1.4;transition:transform .2s,background .2s}.button:hover{background:#284859;transform:translateY(-2px)}.button.light{background:transparent;color:var(--navy)}.button.light:hover{background:var(--teal)}.button.white{background:var(--ivory);color:var(--navy);border-color:var(--ivory)}.button.small{min-height:44px;padding:10px 18px}.menu-toggle{display:none;background:none;border:1px solid var(--line);border-radius:30px;padding:9px 15px;min-height:44px}.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:.7rem;font-weight:700;margin-bottom:23px;display:flex;align-items:center;gap:9px}.eyebrow:before{content:'';height:7px;width:7px;border-radius:50%;background:var(--sage)}.hero{display:grid;grid-template-columns:1fr 1fr;gap:62px;align-items:center;padding:66px 0 70px}.hero-copy{padding:10px 0}.hero h1 em{font-weight:400;color:#507568}.hero p{font-size:1rem;color:var(--muted);max-width:510px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0 23px}.hero-media{position:relative;min-width:0;padding:0 0 28px}.hero-media>img{width:100%;height:570px;object-fit:cover;border-radius:160px 160px 25px 25px;background:var(--teal)}.photo-note{position:absolute;bottom:0;left:-25px;background:white;padding:19px 24px;box-shadow:0 8px 35px #142d3e0d;border-radius:16px;display:flex;align-items:center;gap:14px;max-width:340px;line-height:1.5}.photo-note span{font-family:var(--serif);font-size:1.75rem}.photo-note strong{display:block;font-size:.86rem}.photo-note small{color:var(--muted)}.assurances{display:flex;justify-content:space-between;gap:20px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:24px 0;font-size:.77rem;letter-spacing:.03em}.assurances span:before{content:'✓';margin-right:10px;color:#416456;font-weight:bold}.section{padding:88px 0}.section.soft{background:#edf3ef}.section.white{background:white}.section-top{display:flex;justify-content:space-between;align-items:end;gap:40px;margin-bottom:35px}.section-top h2{max-width:680px;margin:0}.section-top p{max-width:360px;color:var(--muted);margin:0}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.card{border:1px solid var(--line);border-radius:var(--radius);padding:30px;background:#fff;min-width:0}.card p{color:var(--muted);font-size:.94rem}.card p:last-child{margin-bottom:0}.card .number{font-size:.73rem;letter-spacing:.08em;display:inline-block;margin-bottom:40px;color:#416456}.card a.stretched{display:block;font-size:.92rem;margin-top:22px;font-weight:600}.icon{width:48px;height:48px;display:grid;place-items:center;background:var(--teal);border-radius:50%;font-family:var(--serif);font-size:1.4rem;margin-bottom:30px}.split{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start}.split p{color:var(--muted)}.coverage-list{border-top:1px solid #b8cac0}.coverage-list a{display:block;text-decoration:none;padding:22px 0;border-bottom:1px solid #b8cac0}.coverage-list a strong{display:flex;justify-content:space-between;font-size:1.05rem}.coverage-list a span{display:block;font-size:.89rem;color:var(--muted);margin-top:8px}.steps .card{background:transparent;border:0;border-left:1px solid #acbfb5;border-radius:0;padding:0 26px}.steps .number{font-family:var(--serif);font-size:2.7rem;margin-bottom:24px}.resource{padding:0;overflow:hidden;display:flex;flex-direction:column}.resource-art{background:var(--teal);height:145px;display:flex;align-items:center;padding:30px;justify-content:space-between;font-family:var(--serif);font-size:2.8rem}.resource-art span{font:11px/1.5 -apple-system,sans-serif;text-transform:uppercase;letter-spacing:.12em;max-width:100px}.resource:nth-child(2n) .resource-art{background:#f0dfd6}.resource:nth-child(3n) .resource-art{background:#e9ebd9}.resource-body{padding:27px;flex:1}.resource h3 a{text-decoration:none}.resource .tag{font-size:.65rem;text-transform:uppercase;letter-spacing:.12em;margin-bottom:18px;display:block;color:var(--muted)}.callout{background:var(--navy);color:#fff;border-radius:28px;padding:60px;display:flex;justify-content:space-between;align-items:center;gap:35px}.callout h2{max-width:680px;font-size:clamp(2.2rem,3vw,3rem)}.callout p{color:#d6eae5;max-width:640px}.callout .button{flex-shrink:0}.about-panel{padding:50px;background:var(--teal);border-radius:var(--radius)}.page-hero{padding:62px 0 54px;border-bottom:1px solid var(--line)}.page-hero h1{max-width:920px;font-size:clamp(2.6rem,4.7vw,4.6rem)}.page-hero p{max-width:700px;color:var(--muted);font-size:1.05rem}.breadcrumbs{font-size:.75rem;color:var(--muted);margin-bottom:24px}.reading{font-size:1.03rem}.reading h2{font-size:2.25rem;margin-top:2.7rem}.reading h3{margin-top:2rem}.reading p,.reading li{color:var(--ink)}.reading ul,.reading ol{padding-left:24px}.reading li{padding-left:4px;margin-bottom:9px}.reading a{font-weight:600}.note{background:#edf3ef;border-left:3px solid var(--sage);padding:22px 26px;margin:25px 0;border-radius:0 12px 12px 0;font-size:.9rem}.note.warning{background:#f8eae3;border-color:#a95136}.note p:last-child{margin-bottom:0}.text-link{font-size:.88rem;font-weight:600}.tab-list{display:flex;gap:10px;flex-wrap:wrap;margin:30px 0}.tab-list button{border:1px solid #a5b5ae;background:#fff;color:var(--navy);border-radius:30px;padding:11px 20px;min-height:44px}.tab-list button[aria-pressed=true]{background:var(--navy);color:#fff;border-color:var(--navy)}.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:18px;background:white;margin:25px 0}table{width:100%;border-collapse:collapse;min-width:650px;text-align:left;font-size:.9rem}caption{padding:16px 20px;text-align:left;font-weight:600;background:#edf3ef}th,td{padding:19px 22px;border-bottom:1px solid var(--line);vertical-align:top}thead th{background:#edf3ef}tbody tr:last-child>*{border-bottom:0}tbody th{font-weight:600;width:25%}.table-wrap input{min-width:140px;width:100%;border:1px solid #9aaea4;border-radius:7px;padding:10px;background:var(--ivory)}.worksheet{padding:35px;background:#fff;border:1px solid var(--line);border-radius:22px;margin-top:50px}.worksheet h2{font-size:2.5rem}.worksheet .actions{margin-bottom:0}.tool-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:25px 0}label{display:block;font-size:.88rem;font-weight:600;margin-bottom:7px}input,select,textarea{width:100%;padding:12px;border:1px solid #98a89f;background:#fff;border-radius:9px;color:var(--navy)}textarea{resize:vertical;min-height:155px}.result{background:var(--teal);padding:25px;border-radius:16px;margin:25px 0}.result strong{display:block;font-family:var(--serif);font-size:2.2rem}.faq details{border-bottom:1px solid var(--line);padding:22px 0}.faq summary{cursor:pointer;font-weight:600;font-size:1.06rem;min-height:44px;padding:8px 30px 8px 0}.faq details p{max-width:750px;color:var(--muted);margin:10px 0}.search-field{max-width:500px;margin:30px 0}.form-field{margin-bottom:20px}.check-label{display:flex;align-items:flex-start;gap:12px;font-weight:400;line-height:1.6}.check-label input{width:20px;height:20px;flex-shrink:0;margin-top:3px}.status{font-size:.9rem;margin:15px 0;min-height:26px}.provider-status{display:inline-block;background:#edf3ef;padding:5px 11px;border-radius:50px;font-size:.68rem;font-weight:600;margin-bottom:22px}.provider-card .button{width:100%;margin-top:17px}.providers{grid-template-columns:repeat(2,minmax(0,1fr))}.article-meta{color:var(--muted);font-size:.8rem}.article-header nav{padding:25px;background:#edf3ef;border-radius:16px}.article-header nav a{display:block;padding:7px 0}.footer{padding:60px 0 25px;background:var(--navy);color:#fff}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:70px}.footer a{color:var(--ivory);text-decoration:none}.footer ul{list-style:none;padding:0;margin:0}.footer li{margin:10px 0;font-size:.86rem}.footer h3{font-size:.85rem;letter-spacing:.05em}.footer p{color:#c5d5d8;font-size:.85rem;max-width:440px}.footer .brand{margin-bottom:24px}.footer .brand img{width:64px;height:64px}.footer-bottom{border-top:1px solid #4a626d;margin-top:40px;padding-top:24px;color:#c5d5d8;font-size:.75rem;display:flex;gap:30px;justify-content:space-between}.empty{padding:30px;border:1px dashed #a5b5ae;border-radius:16px}.js-only{display:none}.js .js-only{display:block}[hidden]{display:none!important}.print-note{display:none}::selection{background:var(--teal);color:var(--navy)}
@media(min-width:1100px){.hero h1{font-size:4.8rem}}@media(max-width:1100px){header nav{gap:15px}.header-cta{display:none}.hero{gap:35px}.hero-media>img{height:520px}.wrap{width:calc(100% - 48px)}}@media(max-width:800px){.header-inner{min-height:80px}.menu-toggle{display:block}header nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--ivory);padding:18px 24px;box-shadow:0 20px 25px #142d3e12;flex-direction:column;align-items:stretch;gap:0;border-bottom:1px solid var(--line)}header nav.open{display:flex}header nav a{padding:12px}.hero{grid-template-columns:1fr;padding:44px 0;gap:32px}.hero h1{max-width:630px}.hero-media>img{height:450px;border-radius:110px 110px 22px 22px}.photo-note{left:18px}.assurances{flex-wrap:wrap;justify-content:flex-start;gap:12px 22px}.grid{grid-template-columns:1fr 1fr}.grid>.card:last-child:nth-child(odd){grid-column:1/-1}.section{padding:60px 0}.section-top{align-items:start;flex-direction:column;gap:20px}.split{gap:35px;grid-template-columns:1fr}.steps .card{padding:0 20px}.callout{padding:36px;align-items:start;flex-direction:column}.footer-grid{gap:30px;grid-template-columns:1.4fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}.tool-grid{grid-template-columns:1fr}.providers{grid-template-columns:1fr 1fr}.page-hero{padding:42px 0}.reading{font-size:1rem}}@media(max-width:500px){.wrap{width:calc(100% - 36px)}.brand-name{font-size:1.4rem}.brand img{width:46px;height:46px}.announcement{font-size:.65rem}.hero h1{font-size:3.1rem}.hero-media>img{height:360px}.photo-note{padding:14px 18px;max-width:290px;left:10px}.grid,.providers{grid-template-columns:1fr}.grid>.card:last-child:nth-child(odd){grid-column:auto}.assurances{font-size:.72rem}.actions .button{width:100%}.section{padding:48px 0}.card{padding:25px}.resource{padding:0}.steps .card{margin:15px 0}.about-panel{padding:28px}.callout{padding:30px}.worksheet{padding:22px}.footer-bottom{display:block}.footer-bottom span{display:block;margin:12px 0}.page-hero h1{font-size:2.8rem}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}}@media print{header,.announcement,.footer,.skip,.no-print,.worksheet .actions,.tab-list{display:none!important}body{background:white;color:#000;font-size:11pt}.wrap{width:100%}.section{padding:20px 0}.page-hero{padding:20px 0}.table-wrap{overflow:visible}table{min-width:0;font-size:9pt}th,td{padding:10px}.card,.worksheet{break-inside:avoid}.print-note{display:block}.hero-media{display:none}input{border:0!important;padding:0!important}.callout{display:none}}
.article-nav{display:block}.article-nav a{display:block;white-space:normal}.footer h2{font-family:inherit;font-size:.85rem;font-weight:600;letter-spacing:.05em} @media(max-width:800px){html:not(.js) .menu-toggle{display:none}html:not(.js) header nav{display:flex;position:static;box-shadow:none;border:0;padding:10px 0;flex-basis:100%;flex-direction:row;flex-wrap:wrap}html:not(.js) .header-inner{flex-wrap:wrap}}
@media(max-width:380px){.header-inner{gap:10px}.brand{gap:8px}.brand img{width:40px;height:40px}.brand-name{font-size:1.25rem}.brand small{display:none}.menu-toggle{padding:9px 12px}.hero h1{font-size:2.7rem}}
.header-inner{flex-wrap:wrap}header nav{max-width:100%;flex-wrap:wrap}h1,h2,h3{overflow-wrap:anywhere}.callout .button{flex-shrink:1;max-width:100%}