:root{--blue:#0e4d92;--blue-dark:#0a3a6e;--blue-ink:#12324f;--accent:#0e7490;--bg:#f4f7fa;--card:#ffffff;--text:#1f2d3a;--muted:#51616f;--line:#d9e2ea;--cta:#b4530a;--cta-dark:#8f4208;--radius:10px}
*{box-sizing:border-box;margin:0;padding:0}
html{-webkit-text-size-adjust:100%}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--text);background:var(--bg);line-height:1.65;font-size:17px}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.visually-hidden{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-9999px;top:0;background:var(--blue);color:#fff;padding:10px 16px;z-index:200}
.skip:focus{left:8px;top:8px}
a{color:var(--blue);text-decoration:underline}
a:hover{color:var(--blue-dark)}
a:focus-visible,button:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
h1{font-size:2rem;line-height:1.2;color:var(--blue-ink);margin:.4em 0 .5em}
h2{font-size:1.45rem;line-height:1.3;color:var(--blue-ink);margin:1.4em 0 .5em}
h3{font-size:1.12rem;color:var(--blue-ink);margin:1.1em 0 .35em}
p{margin:.55em 0}
ul,ol{margin:.55em 0 .55em 1.4em}
li{margin:.25em 0}
.site-header{background:var(--blue-ink);color:#fff;position:sticky;top:0;z-index:100;box-shadow:0 1px 4px rgba(0,0,0,.18)}
.header-in{display:flex;align-items:center;gap:18px;padding-top:10px;padding-bottom:10px}
.brand{font-weight:700;font-size:1.15rem;color:#fff;text-decoration:none;letter-spacing:.2px}
.brand:hover{color:#dcebf7}
.main-nav{margin-left:auto}
.nav-list{display:flex;gap:4px;list-style:none;margin:0}
.nav-list a{display:block;color:#e7eff6;text-decoration:none;padding:8px 11px;border-radius:6px;font-size:.95rem}
.nav-list a:hover{background:rgba(255,255,255,.12);color:#fff}
.nav-toggle{display:none;background:none;border:0;padding:10px;cursor:pointer}
.nav-toggle-bar{display:block;width:22px;height:2px;background:#fff;margin:5px 0}
.btn{display:inline-block;font-weight:700;text-decoration:none;border-radius:8px;padding:12px 22px;text-align:center;cursor:pointer;border:0}
.btn-call{background:var(--cta);color:#fff}
.btn-call:hover{background:var(--cta-dark);color:#fff}
.btn-lg{font-size:1.15rem;padding:16px 30px}
.btn-secondary{background:#fff;color:var(--blue);border:2px solid var(--blue)}
.btn-secondary:hover{background:var(--blue);color:#fff}
.header-call{padding:9px 16px;font-size:.95rem;white-space:nowrap}
.hero{background:linear-gradient(180deg,#e8f1f8,#f4f7fa);border:1px solid var(--line);border-radius:var(--radius);padding:34px 30px;margin:14px 0 8px}
.hero p.lede{font-size:1.15rem;color:var(--blue-ink);max-width:46em}
.hero .btn-row{margin-top:18px;display:flex;gap:12px;flex-wrap:wrap}
.section{margin:26px 0}
.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:16px;margin:14px 0}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.card h3{margin-top:0}
.card p:last-child{margin-bottom:0}
.steps{counter-reset:step;list-style:none;margin:14px 0}
.steps li{counter-increment:step;position:relative;padding:12px 12px 12px 58px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);margin-bottom:10px}
.steps li::before{content:counter(step);position:absolute;left:14px;top:12px;width:30px;height:30px;border-radius:50%;background:var(--blue);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center}
.callout{background:#fdf3e7;border:1px solid #f0d9bd;border-left:5px solid var(--cta);border-radius:8px;padding:16px 18px;margin:16px 0}
.note{background:#eaf3fa;border:1px solid #cfe3f2;border-left:5px solid var(--blue);border-radius:8px;padding:16px 18px;margin:16px 0}
.faq-item{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:16px 20px;margin:10px 0}
.faq-item h3{margin:0 0 6px}
.cta-band{background:var(--blue);color:#fff;border-radius:var(--radius);padding:30px;text-align:center;margin:34px 0 20px}
.cta-band h2{color:#fff;margin-top:0}
.cta-band p{color:#d9e8f5}
.crumbs{font-size:.9rem;margin:18px 0 4px;color:var(--muted)}
.crumbs a{color:var(--muted)}
.crumb-sep{margin:0 8px;color:#9fb0bd}
.disclosure{font-size:.92rem;color:var(--muted);background:#eef2f5;border:1px solid var(--line);border-radius:8px;padding:14px 16px;margin:18px 0}
.zip-list{columns:2;list-style:none;margin:10px 0}
.site-footer{background:var(--blue-ink);color:#c9d8e4;margin-top:40px;padding:36px 0 90px}
.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:26px}
.footer-brand{font-weight:700;color:#fff;font-size:1.1rem}
.site-footer address{font-style:normal;line-height:1.7}
.site-footer a{color:#c9d8e4}
.site-footer a:hover{color:#fff}
.footer-h{font-size:1rem;color:#fff;margin:0 0 10px}
.footer-links{list-style:none;margin:0}
.footer-links li{margin:5px 0}
.footer-links a{text-decoration:none}
.footer-links a:hover{text-decoration:underline}
.site-footer .disclosure{background:transparent;border-color:rgba(255,255,255,.2);color:#a9bcc9}
.copyright{font-size:.85rem;color:#8fa5b5}
.sticky-call{display:none}
.article-list{list-style:none;margin:14px 0}
.article-list li{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;margin-bottom:12px}
.article-list h3{margin-top:0}
@media (max-width:820px){
.nav-toggle{display:block}
.nav-list{display:none;position:absolute;left:0;right:0;top:100%;background:var(--blue-ink);flex-direction:column;padding:10px 20px 16px;box-shadow:0 8px 16px rgba(0,0,0,.25)}
.nav-list.open{display:flex}
.nav-list a{padding:12px 8px;font-size:1.05rem;border-top:1px solid rgba(255,255,255,.12)}
.main-nav{position:static}
.header-in{flex-wrap:wrap}
.header-call{margin-left:auto}
h1{font-size:1.6rem}
.zip-list{columns:1}
.sticky-call{display:block;position:fixed;left:0;right:0;bottom:0;z-index:120;background:var(--blue-ink);padding:10px 14px;box-shadow:0 -2px 10px rgba(0,0,0,.25)}
.sticky-call .btn{display:block;width:100%;padding:12px;line-height:1.35}
body{padding-bottom:0}
main{padding-bottom:70px}
}
@media (min-width:821px){.header-call{margin-left:8px}}