:root{--navy:#0B1426;--navy-2:#142038;--navy-3:#1d2d4d;--gold:#C9A44C;--gold-d:#8A6D1F;--gold-l:#F4EBD3;--ink:#1c2536;--muted:#515c70;--line:#dfe3ea;--soft:#f5f6f9;--warm:#faf6ec;--white:#fff;--red:#b3261e;--serif:"Iowan Old Style","Palatino Linotype",Palatino,Charter,Georgia,serif;--sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;--wrap:1180px;--r:10px}*,*::before,*::after{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{margin:0;font-family:var(--sans);font-size:1.0625rem;line-height:1.68;color:var(--ink);background:var(--white);-webkit-font-smoothing:antialiased}img,svg{max-width:100%;height:auto}a{color:#0d3b8c;text-underline-offset:.18em;text-decoration-thickness:1px}a:hover{color:var(--navy);text-decoration-thickness:2px}:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:3px}.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--navy);padding:.7rem 1rem;z-index:200;font-weight:700}.skip:focus{left:0}.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 1.25rem}.ico{width:1.25em;height:1.25em;flex:none;vertical-align:-.22em}h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);line-height:1.18;margin:0 0 .6em;font-weight:700;letter-spacing:-.01em}h1{font-size:clamp(2.05rem,4.6vw,3.25rem)}h2{font-size:clamp(1.55rem,3vw,2.15rem);margin-top:2.4em}h3{font-size:1.28rem;margin-top:1.8em}p{margin:0 0 1.05em}ul,ol{margin:0 0 1.2em;padding-left:1.25em}li{margin-bottom:.4em}strong{color:var(--navy)}.strip{background:#070d1a;color:#fff;font-size:.93rem;border-bottom:2px solid var(--gold)}.strip .wrap{display:flex;justify-content:space-between;align-items:center;gap:1rem;padding-top:.5rem;padding-bottom:.5rem}.strip p{margin:0}.strip a{color:var(--gold);font-weight:700;text-decoration:none;white-space:nowrap}.strip a:hover{color:#fff;text-decoration:underline}.strip .dot{display:inline-block;width:.55rem;height:.55rem;border-radius:50%;background:var(--gold);margin-right:.55rem;box-shadow:0 0 0 4px rgba(201,164,76,.25)}.hdr{background:var(--navy);position:sticky;top:0;z-index:100;box-shadow:0 2px 14px rgba(0,0,0,.25)}.hdr .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:72px}.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none;color:#fff}.brand:hover{color:#fff}.brand svg{width:44px;height:44px;flex:none}.brand b{display:block;font-family:var(--serif);font-size:1.18rem;line-height:1.1;letter-spacing:.005em}.brand small{display:block;font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-top:.15rem}.nav{display:flex;align-items:center;gap:.2rem}.nav>a,.nav .dd>button{color:#e8ecf4;text-decoration:none;padding:.55rem .8rem;font:inherit;font-size:.97rem;font-weight:600;background:none;border:0;cursor:pointer;border-radius:6px;display:inline-flex;align-items:center;gap:.25rem}.nav>a:hover,.nav .dd>button:hover,.nav a[aria-current="page"]{color:var(--gold)}.dd{position:relative}.dd .menu{display:none;position:absolute;top:100%;left:0;min-width:290px;background:#fff;border-radius:var(--r);box-shadow:0 18px 40px rgba(11,20,38,.28);padding:.6rem;border-top:3px solid var(--gold);max-height:75vh;overflow:auto}.dd.open .menu{display:block}.dd .menu a{display:block;padding:.5rem .7rem;color:var(--navy);text-decoration:none;font-size:.96rem;border-radius:6px}.dd .menu a:hover{background:var(--warm);color:var(--navy)}.dd .menu a[aria-current="page"]{font-weight:700;background:var(--gold-l)}.dd .menu .all{border-top:1px solid var(--line);margin-top:.35rem;padding-top:.6rem;font-weight:700}.dd .menu.two{min-width:420px;column-count:2;column-gap:.5rem}.dd .menu.two a{break-inside:avoid}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;font:inherit;font-weight:800;text-decoration:none;border-radius:8px;padding:.85rem 1.35rem;border:2px solid transparent;cursor:pointer;line-height:1.2;transition:transform .12s,box-shadow .12s,background .12s}.btn-call{background:var(--gold);color:var(--navy);box-shadow:0 2px 0 #9a7b2d}.btn-call:hover{background:#d6b35c;color:var(--navy);transform:translateY(-1px);box-shadow:0 4px 0 #9a7b2d}.btn-ghost{border-color:rgba(255,255,255,.55);color:#fff}.btn-ghost:hover{background:rgba(255,255,255,.1);color:#fff}.btn-line{border-color:var(--navy);color:var(--navy)}.btn-line:hover{background:var(--navy);color:#fff}.btn-lg{font-size:1.15rem;padding:1.05rem 1.7rem}.hdr .btn{padding:.65rem 1.05rem;font-size:.98rem}.burger{display:none;background:none;border:2px solid rgba(255,255,255,.4);color:#fff;border-radius:8px;padding:.4rem .5rem;cursor:pointer}.burger .ico{width:1.6rem;height:1.6rem;display:block}.hero{position:relative;background:var(--navy);color:#fff;overflow:hidden;isolation:isolate}.hero::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(900px 420px at 85% -10%,rgba(201,164,76,.18),transparent 60%),linear-gradient(180deg,var(--navy) 0,#0e1a30 100%)}.hero svg.roofline{position:absolute;left:0;right:0;bottom:-1px;width:100%;height:auto;z-index:-1}.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:center;padding-top:3.4rem;padding-bottom:6rem}.hero h1{color:#fff;margin-bottom:.45em}.eyebrow{display:inline-block;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;font-weight:800;color:var(--gold);margin-bottom:1rem}.hero .lead{font-size:1.2rem;color:#dfe5f1;max-width:40rem}.hero .lead strong{color:#fff}.cta-row{display:flex;flex-wrap:wrap;gap:.8rem;margin:1.6rem 0 1.2rem}.hero .fine{font-size:.9rem;color:#aab5ca;margin:0;max-width:36rem}.card-wait{background:#fff;color:var(--ink);border-radius:14px;padding:1.6rem 1.6rem 1.3rem;box-shadow:0 24px 50px rgba(0,0,0,.35);border-top:5px solid var(--gold)}.card-wait h2{font-size:1.25rem;margin:0 0 .8rem}.card-wait ol{padding-left:1.2rem;margin:0}.card-wait li{margin-bottom:.55rem;font-size:.98rem;line-height:1.5}.card-wait .foot{margin:.9rem 0 0;padding-top:.8rem;border-top:1px solid var(--line);font-size:.88rem;color:var(--muted)}.hero.sub .wrap{grid-template-columns:1fr;padding-top:2.6rem;padding-bottom:4.6rem}.hero.sub .lead{max-width:48rem}.crumbs{font-size:.88rem;color:#aab5ca;margin-bottom:1.2rem}.crumbs a{color:#d7deec;text-decoration:none}.crumbs a:hover{color:var(--gold);text-decoration:underline}.crumbs span[aria-hidden]{margin:0 .4rem;opacity:.6}.page{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:3.2rem;padding-top:3rem;padding-bottom:3.5rem;align-items:start}.page.solo{grid-template-columns:minmax(0,820px);justify-content:center}.prose{min-width:0}.prose>h2:first-child{margin-top:0}.prose h2{padding-top:.2rem;scroll-margin-top:96px}.prose h3{scroll-margin-top:96px}.prose p,.prose li{max-width:72ch}.side{position:sticky;top:96px;display:grid;gap:1.2rem}.box{border:1px solid var(--line);border-radius:12px;padding:1.2rem 1.2rem 1rem;background:#fff}.box h2{font-size:1.08rem;margin:0 0 .6rem;font-family:var(--sans);font-weight:800;letter-spacing:0}.box.call{background:var(--navy);border:0;color:#d9e0ee;border-top:5px solid var(--gold)}.box.call h2{color:#fff}.box.call p{font-size:.95rem;margin-bottom:.9rem}.box.call .btn{width:100%}.toc ol{list-style:none;padding:0;margin:0;counter-reset:t}.toc li{margin:0;counter-increment:t}.toc a{display:flex;gap:.6rem;padding:.38rem 0;text-decoration:none;color:var(--ink);font-size:.95rem;line-height:1.4;border-bottom:1px solid #eef0f4}.toc a::before{content:counter(t,decimal-leading-zero);color:var(--gold-d);font-weight:800;font-size:.8rem;padding-top:.12rem}.toc a:hover{color:var(--navy);text-decoration:underline}.toc li:last-child a{border-bottom:0}.hint{font-size:.9rem;color:var(--muted);line-height:1.5}.answer{background:var(--warm);border-left:5px solid var(--gold);border-radius:0 var(--r) var(--r) 0;padding:1.15rem 1.35rem;margin:0 0 2.2rem}.answer p{margin:0;font-size:1.1rem}.answer .tag{display:block;font-size:.76rem;letter-spacing:.12em;text-transform:uppercase;font-weight:800;color:var(--gold-d);margin-bottom:.4rem}.callout{border:1px solid #e7d9ae;background:#fffaf0;border-radius:var(--r);padding:1rem 1.2rem;margin:1.6rem 0}.callout.warn{border-color:#e9b4af;background:#fff5f4}.callout p:last-child,.callout ul:last-child{margin-bottom:0}.callout h3{margin:0 0 .4rem;font-size:1.08rem;font-family:var(--sans)}.checks{list-style:none;padding:0}.checks li{position:relative;padding-left:1.9rem}.checks li::before{content:"";position:absolute;left:0;top:.35em;width:1.15rem;height:1.15rem;border-radius:50%;background:var(--gold-l) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='m6 12.5 4 4 8-9' fill='none' stroke='%238A6D1F' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/70% no-repeat}.steps{list-style:none;padding:0;counter-reset:s}.steps>li{counter-increment:s;position:relative;padding:0 0 1.15rem 3.4rem;margin:0;border-left:0}.steps>li::before{content:counter(s);position:absolute;left:0;top:0;width:2.3rem;height:2.3rem;border-radius:50%;background:var(--navy);color:var(--gold);font-weight:800;display:grid;place-items:center;font-family:var(--serif)}.steps>li::after{content:"";position:absolute;left:1.13rem;top:2.5rem;bottom:.2rem;width:2px;background:var(--line)}.steps>li:last-child::after{display:none}.steps b{display:block;color:var(--navy);margin-bottom:.1rem}.tbl{overflow-x:auto;margin:1.4rem 0;border:1px solid var(--line);border-radius:var(--r)}table{border-collapse:collapse;width:100%;font-size:.97rem;min-width:520px}th,td{padding:.75rem .95rem;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}th{background:var(--navy);color:#fff;font-weight:700;font-size:.9rem;letter-spacing:.02em}tr:last-child td{border-bottom:0}tbody tr:nth-child(even){background:#fafbfc}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem;margin:1.4rem 0}.two-col>div{border:1px solid var(--line);border-radius:var(--r);padding:1.1rem 1.2rem;background:#fff}.two-col h3{margin-top:0;font-size:1.1rem}.two-col ul{margin:0}.pull{font-family:var(--serif);font-size:1.35rem;line-height:1.4;color:var(--navy);border-left:4px solid var(--gold);padding:.2rem 0 .2rem 1.2rem;margin:1.8rem 0}figure{margin:1.8rem 0}figure svg{width:100%;height:auto;border:1px solid var(--line);border-radius:var(--r);background:#fff}figcaption{font-size:.9rem;color:var(--muted);margin-top:.5rem}.band{padding:4.2rem 0}.band.soft{background:var(--soft)}.band.warm{background:var(--warm)}.band.dark{background:var(--navy);color:#d9e0ee}.band.dark h2,.band.dark h3{color:#fff}.band h2{margin-top:0}.sec-head{max-width:46rem;margin-bottom:2.2rem}.sec-head p{color:var(--muted);font-size:1.1rem}.band.dark .sec-head p{color:#b9c4da}.grid{display:grid;gap:1.15rem}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}.g2{grid-template-columns:repeat(2,1fr)}.svc{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:12px;padding:1.3rem 1.3rem 1.15rem;text-decoration:none;color:var(--ink);transition:box-shadow .15s,transform .15s,border-color .15s}.svc:hover{box-shadow:0 12px 28px rgba(11,20,38,.12);transform:translateY(-3px);border-color:var(--gold);color:var(--ink)}.svc .ic{width:46px;height:46px;border-radius:10px;background:var(--navy);color:var(--gold);display:grid;place-items:center;margin-bottom:.9rem}.svc .ic svg{width:26px;height:26px}.svc h3{margin:0 0 .35rem;font-size:1.13rem}.svc p{margin:0 0 .8rem;font-size:.95rem;color:var(--muted);line-height:1.55}.svc .more{margin-top:auto;font-weight:700;color:#0d3b8c;font-size:.93rem;display:inline-flex;align-items:center;gap:.3rem}.hood{display:block;background:#fff;border:1px solid var(--line);border-radius:10px;padding:.95rem 1.05rem;text-decoration:none;color:var(--ink)}.hood b{display:flex;align-items:center;gap:.4rem;color:var(--navy);font-family:var(--serif);font-size:1.05rem}.hood b svg{color:var(--gold-d)}.hood span{display:block;font-size:.88rem;color:var(--muted);line-height:1.45;margin-top:.15rem}.hood:hover{border-color:var(--gold);box-shadow:0 8px 20px rgba(11,20,38,.1);color:var(--ink)}.split{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center}.split>*,.two-col>*,.grid>*,.stepcards>*,.page>*,.hero .wrap>*{min-width:0}.stepcards{counter-reset:c;display:grid;grid-template-columns:repeat(4,1fr);gap:1.1rem}.stepcards>div{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:12px;padding:1.3rem;counter-increment:c}.stepcards>div::before{content:counter(c);display:grid;place-items:center;width:2.4rem;height:2.4rem;border-radius:50%;background:var(--gold);color:var(--navy);font-weight:800;font-family:var(--serif);margin-bottom:.8rem}.stepcards h3{margin:0 0 .4rem;font-size:1.1rem;color:#fff}.stepcards p{margin:0;font-size:.95rem;color:#c5cfe3;line-height:1.55}.note-box{border:1px dashed #c9b57a;border-radius:var(--r);background:#fffdf6;padding:1.1rem 1.3rem}.note-box p:last-child{margin:0}.faq{margin:1rem 0 0}.faq details{border:1px solid var(--line);border-radius:var(--r);background:#fff;margin-bottom:.7rem}.faq summary{cursor:pointer;list-style:none;padding:1rem 3rem 1rem 1.15rem;font-weight:700;color:var(--navy);position:relative;line-height:1.4}.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"+";position:absolute;right:1.1rem;top:.65rem;font-size:1.5rem;color:var(--gold-d);font-weight:400}.faq details[open] summary::after{content:"–"}.faq details[open]{border-color:#d9c88f}.faq .a{padding:0 1.15rem 1rem}.faq .a p:last-child{margin:0}.final{background:var(--navy);color:#fff;border-radius:16px;padding:2.4rem 2rem;margin:3rem 0 0;display:grid;grid-template-columns:1.4fr auto;gap:1.6rem;align-items:center;border-top:5px solid var(--gold)}.final h2{color:#fff;margin:0 0 .4rem;font-size:1.6rem}.final p{margin:0;color:#c9d3e6}.related{margin-top:3rem}.related h2{margin-top:0;font-size:1.4rem}.chips{display:flex;flex-wrap:wrap;gap:.55rem;padding:0;list-style:none;margin:0}.chips a{display:inline-block;padding:.45rem .85rem;border:1px solid var(--line);border-radius:999px;text-decoration:none;font-size:.93rem;color:var(--navy);background:#fff}.chips a:hover{border-color:var(--gold);background:var(--warm)}.disclose{font-size:.9rem;color:var(--muted);border-top:1px solid var(--line);margin-top:2.4rem;padding-top:1rem}.ftr{background:var(--navy);color:#b8c3d9;font-size:.95rem;padding:3.6rem 0 6rem;border-top:4px solid var(--gold)}.ftr a{color:#d9e0ee;text-decoration:none}.ftr a:hover{color:var(--gold);text-decoration:underline}.ftr .cols{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:2.2rem}.ftr h2{font-family:var(--sans);font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin:0 0 .9rem}.ftr ul{list-style:none;padding:0;margin:0}.ftr li{margin-bottom:.4rem}.ftr address{font-style:normal;line-height:1.7}.ftr .brand b{color:#fff}.ftr .legal{border-top:1px solid rgba(255,255,255,.14);margin-top:2.4rem;padding-top:1.4rem;font-size:.86rem;line-height:1.6;color:#98a5bf}.ftr .legal p{max-width:70rem}.callbar{display:none}.nf{text-align:center;padding:5rem 0}.nf .big{font-family:var(--serif);font-size:6rem;color:var(--gold-d);line-height:1}@media (max-width:1020px){.hero .wrap{grid-template-columns:1fr;gap:2rem;padding-bottom:5rem}.page{grid-template-columns:1fr}.side{position:static;grid-template-columns:1fr}.side .toc{display:none}.g4{grid-template-columns:repeat(2,1fr)}.stepcards{grid-template-columns:repeat(2,1fr)}.ftr .cols{grid-template-columns:1fr 1fr}}@media (max-width:900px){.burger{display:block}.nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--navy);flex-direction:column;align-items:stretch;padding:.8rem 1.25rem 1.4rem;max-height:calc(100vh - 72px);overflow:auto;border-top:1px solid rgba(255,255,255,.12)}.nav.open{display:flex}.nav>a,.nav .dd>button{width:100%;padding:.8rem .4rem;font-size:1.05rem;border-bottom:1px solid rgba(255,255,255,.1);justify-content:space-between;border-radius:0}.dd .menu,.dd .menu.two{position:static;box-shadow:none;border-radius:0;min-width:0;column-count:1;background:rgba(255,255,255,.05);border-top:0;padding:.3rem 0;max-height:none}.dd .menu a{color:#e8ecf4;padding:.55rem .9rem}.dd .menu a:hover{background:rgba(255,255,255,.08);color:var(--gold)}.dd .menu .all{border-color:rgba(255,255,255,.15)}.hdr .btn-hdr{display:none}.side .call{display:none}.nav .btn-call{margin-top:1rem;width:100%}.nav .navcall{display:inline-flex}.split,.two-col,.g3,.g2{grid-template-columns:1fr}.final{grid-template-columns:1fr}.callbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:150;background:var(--navy);padding:.6rem .8rem calc(.6rem + env(safe-area-inset-bottom));gap:.6rem;box-shadow:0 -6px 18px rgba(0,0,0,.3);border-top:2px solid var(--gold)}.callbar .btn{flex:1;font-size:1.08rem;padding:.8rem .6rem}.callbar .btn-ghost{flex:0 0 auto;padding:.8rem 1rem;font-size:.95rem}body{padding-bottom:4.2rem}.strip .wrap{flex-direction:column;align-items:flex-start;gap:.15rem}}@media (min-width:901px){.nav .navcall{display:none}}@media (max-width:640px){body{font-size:1.02rem}.g4,.stepcards,.side{grid-template-columns:1fr}.ftr .cols{grid-template-columns:1fr}.band{padding:3rem 0}.hero .wrap{padding-top:2.4rem}.cta-row .btn{width:100%}.brand b{font-size:1.05rem}.brand small{display:none}}@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}@media print{.hdr,.strip,.callbar,.side{display:none}}