@import "https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@600;700;800&display=swap";:root{--navy:#12375b;--navy2:#0b2946;--blue:#176fbd;--blue2:#0f5f9f;--sky:#e9f5ff;--teal:#19a6a0;--ink:#213547;--muted:#687987;--line:#dce8f1;--bg:#f7fbff;--cream:#fffaf1;--amber:#e5a33a;--shadow:0 16px 45px #193f5c13}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--ink);background:#fff;margin:0;font-family:DM Sans,Arial,sans-serif}a{color:inherit;text-decoration:none}button,input{font:inherit}svg{fill:none;stroke:currentColor;stroke-width:1.8px;stroke-linecap:round;stroke-linejoin:round;width:21px;height:21px}.site-header{z-index:50;border-bottom:1px solid var(--line);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);background:#fffffff2;justify-content:space-between;align-items:center;gap:28px;height:78px;padding:0 max(4.6vw,24px);display:flex;position:sticky;top:0}.brand{flex-shrink:0;align-items:center;gap:11px;display:flex}.brand-mark{background:var(--blue);color:#fff;border-radius:12px;place-items:center;width:40px;height:40px;display:grid}.brand-copy{flex-direction:column;display:flex}.brand-copy b{letter-spacing:.085em;color:var(--navy);font:800 13px/1.05 Manrope}.brand-copy small{color:var(--muted);margin-top:4px;font-size:10px}.desktop-nav{align-items:center;gap:20px;display:flex}.desktop-nav a{color:#536a7a;white-space:nowrap;padding:29px 0 27px;font-size:12px;font-weight:700;position:relative}.desktop-nav a:after{content:"";background:var(--blue);height:3px;transition:all .2s;position:absolute;bottom:0;left:0;right:0;transform:scaleX(0)}.desktop-nav a:hover,.desktop-nav a.active{color:var(--blue)}.desktop-nav a.active:after{transform:scaleX(1)}.mobile-nav{display:none;position:relative}.mobile-nav summary{border:1px solid var(--line);color:var(--navy);cursor:pointer;border-radius:8px;padding:10px 14px;font-weight:700;list-style:none}.mobile-nav summary::-webkit-details-marker{display:none}.mobile-nav>div{border:1px solid var(--line);width:230px;box-shadow:var(--shadow);background:#fff;border-radius:13px;padding:9px;display:grid;position:absolute;top:48px;right:0}.mobile-nav a{color:var(--muted);border-radius:7px;padding:11px 12px;font-size:14px;font-weight:600}.mobile-nav a.active{background:var(--sky);color:var(--blue)}.section{padding:96px max(5vw,24px)}.eyebrow{color:var(--blue);letter-spacing:.1em;text-transform:uppercase;font:700 12px Manrope;display:inline-block}.button{border:1px solid var(--blue);background:var(--blue);color:#fff;border-radius:8px;justify-content:center;align-items:center;gap:9px;padding:15px 21px;font-weight:700;transition:all .2s;display:inline-flex;box-shadow:0 9px 25px #176fbd25}.button:hover{background:var(--blue2);transform:translateY(-1px)}.button svg{width:18px}.button.secondary{color:var(--blue);box-shadow:none;background:#fff}.button.secondary:hover{background:var(--sky)}.text-link{color:var(--navy);border-bottom:1px solid #8ea5b7;font-weight:700}.section-heading{text-align:center;max-width:720px;margin:0 auto 46px}.section-heading h2,.page-hero h1,.question-intro h2,.source-callout h2{color:var(--navy);letter-spacing:-.038em;margin:12px 0;font:800 clamp(34px,4vw,49px)/1.12 Manrope}.section-heading p,.page-hero p,.question-intro p,.source-callout p{color:var(--muted);line-height:1.7}.home-hero{background:linear-gradient(112deg,#f2f9ff 0%,#fff 58%,#edf8ff 100%);grid-template-columns:1.06fr .94fr;align-items:center;gap:6vw;min-height:655px;padding:78px max(5vw,24px);display:grid}.hero-copy h1{max-width:720px;color:var(--navy);letter-spacing:-.052em;margin:23px 0 22px;font:800 clamp(49px,5.8vw,76px)/1.025 Manrope}.hero-copy h1 em{color:var(--blue);font-style:normal}.hero-copy>p{max-width:680px;color:var(--muted);margin:0;font-size:19px;line-height:1.67}.hero-actions{align-items:center;gap:24px;margin:32px 0;display:flex}.hero-trust{color:#607483;flex-wrap:wrap;gap:18px;font-size:12px;display:flex}.hero-trust span{align-items:center;gap:6px;display:flex}.hero-trust svg{width:16px;color:var(--teal)}.learning-map{width:min(490px,100%);height:440px;margin:auto;position:relative}.map-title{text-align:center;width:260px;box-shadow:var(--shadow);background:#fff;border:1px solid #cfe1ef;border-radius:15px;padding:20px 22px;position:absolute;top:12px;left:50%;transform:translate(-50%)}.map-title span{color:var(--blue);text-transform:uppercase;letter-spacing:.1em;font-size:10px;font-weight:700;display:block}.map-title b{color:var(--navy);margin-top:6px;font:700 16px Manrope;display:block}.map-line{border:1px dashed #bcd8ea;border-top:0;border-radius:0 0 35px 35px;width:70%;height:150px;position:absolute;top:104px;left:50%;transform:translate(-50%)}.map-card{border:1px solid var(--line);width:150px;color:var(--blue);background:#fff;border-radius:12px;align-items:center;gap:10px;padding:16px;transition:all .2s;display:flex;position:absolute;box-shadow:0 12px 30px #163f5e14}.map-card:hover{border-color:#a8cee8;transform:translateY(-2px)}.map-card span{flex-direction:column;display:flex}.map-card b{color:var(--navy);font-size:13px}.map-card small{color:var(--muted);margin-top:2px;font-size:9px}.map-card.one{top:186px;left:0}.map-card.two{top:218px;left:50%;transform:translate(-50%)}.map-card.two:hover{transform:translate(-50%,-2px)}.map-card.three{top:186px;right:0}.map-note{background:var(--navy);color:#81d9f7;border-radius:14px;justify-content:center;align-items:center;gap:12px;width:260px;padding:18px 20px;display:flex;position:absolute;bottom:12px;left:50%;transform:translate(-50%);box-shadow:0 18px 40px #0b294625}.map-note span{flex-direction:column;display:flex}.map-note b{color:#fff;font:700 14px Manrope}.map-note small{color:#c3d4e1;margin-top:2px;font-size:10px}.principle-strip{background:var(--navy);color:#d8e5ee;letter-spacing:.04em;justify-content:center;align-items:center;gap:24px;padding:28px max(5vw,24px);font-size:12px;font-weight:600;display:flex}.principle-strip i{background:#70cfef;border-radius:50%;width:5px;height:5px}.learning-paths{background:#fff}.path-grid{grid-template-columns:repeat(3,1fr);gap:20px;max-width:1160px;margin:auto;display:grid}.path-grid article{border:1px solid var(--line);background:#fff;border-radius:15px;padding:31px;position:relative;box-shadow:0 8px 28px #214b670e}.path-grid .number{color:#a5b6c2;font:700 12px Manrope;position:absolute;top:27px;right:27px}.icon-tile{background:var(--sky);width:49px;height:49px;color:var(--blue);border-radius:11px;place-items:center;display:grid}.path-grid h3{color:var(--navy);margin:23px 0 10px;font:700 21px Manrope}.path-grid p{min-height:92px;color:var(--muted);margin:0;line-height:1.66}.path-grid a{color:var(--blue);align-items:center;gap:7px;margin-top:22px;font-size:14px;font-weight:700;display:flex}.path-grid a svg{width:17px}.question-section{background:var(--bg);grid-template-columns:.78fr 1.22fr;align-items:start;gap:7vw;display:grid}.question-intro{position:sticky;top:120px}.question-list{gap:11px;display:grid}.question-list a{border:1px solid var(--line);color:var(--navy);background:#fff;border-radius:11px;grid-template-columns:39px 1fr 22px;align-items:center;gap:14px;padding:19px 20px;font-weight:700;display:grid;box-shadow:0 5px 18px #163f5e08}.question-list a:hover{border-color:#a9cee7}.question-list span{background:var(--sky);width:35px;height:35px;color:var(--blue);border-radius:50%;place-items:center;font-size:11px;display:grid}.question-list svg{color:var(--blue)}.source-callout{background:var(--navy);color:#fff;grid-template-columns:75px 1fr auto;align-items:center;gap:30px;margin:0;display:grid}.source-icon{color:#79d4f3;background:#ffffff14;border-radius:18px;place-items:center;width:70px;height:70px;display:grid}.source-icon svg{width:30px;height:30px}.source-callout h2{color:#fff;max-width:760px;font-size:34px}.source-callout p{color:#d4e2ec;max-width:800px;margin-bottom:0}.source-callout .eyebrow{color:#80d6f4}.site-footer{background:var(--navy2);color:#aebdca;padding:63px max(5vw,24px) 28px}.footer-grid{grid-template-columns:1.6fr .7fr .7fr;gap:7vw;display:grid}.footer-brand .brand-copy b{color:#fff}.footer-grid>div:first-child>p{max-width:460px;margin-top:23px;font-size:13px;line-height:1.7}.footer-grid>div:not(:first-child){flex-direction:column;gap:11px;display:flex}.footer-grid>div:not(:first-child)>b{color:#fff;margin-bottom:5px;font:700 13px Manrope}.footer-grid a{font-size:13px}.footer-grid a:hover{color:#fff}.legal{border-top:1px solid #ffffff18;justify-content:space-between;align-items:end;gap:30px;margin-top:38px;padding-top:20px;display:flex}.legal p{max-width:940px;margin:0;font-size:10px;line-height:1.65}.legal span{white-space:nowrap;font-size:11px}.page-hero{background:linear-gradient(112deg,#f3faff,#fff 68%,#eef8ff);grid-template-columns:1.1fr .9fr;align-items:center;gap:6vw;padding:80px max(5vw,24px);display:grid}.page-hero h1{font-size:clamp(44px,5vw,66px)}.page-hero>div:first-child>p{max-width:700px;font-size:18px}.page-hero-card{box-shadow:var(--shadow);background:#fff;border:1px solid #cfe1ef;border-radius:18px;padding:30px}.page-hero-card b{color:var(--navy);font:700 20px Manrope;display:block}.page-hero-card p{margin:9px 0 0;font-size:14px}.mini-points{gap:10px;margin-top:22px;display:grid}.mini-points span{color:var(--muted);align-items:center;gap:8px;font-size:13px;display:flex}.mini-points svg{width:16px;color:var(--teal)}@media (width<=1120px){.desktop-nav{gap:13px}.desktop-nav a{font-size:11px}.brand-copy small{display:none}}@media (width<=920px){.desktop-nav{display:none}.mobile-nav{display:block}.home-hero,.page-hero{grid-template-columns:1fr}.learning-map{margin-top:20px}.path-grid{grid-template-columns:1fr}.path-grid p{min-height:0}.question-section{grid-template-columns:1fr}.question-intro{position:static}.source-callout{grid-template-columns:70px 1fr}.source-callout .button{grid-column:2;justify-self:start}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}}@media (width<=600px){.site-header{height:68px;padding:0 18px}.brand-mark{width:36px;height:36px}.brand-copy b{font-size:11px}.section{padding:72px 20px}.home-hero,.page-hero{padding:55px 20px 65px}.hero-copy h1{font-size:46px}.hero-copy>p{font-size:17px}.hero-actions{flex-direction:column;align-items:flex-start}.hero-trust{display:grid}.learning-map{height:455px}.map-title{width:240px}.map-line{width:82%}.map-card{width:130px;padding:13px}.map-card.one{left:0}.map-card.three{right:0}.map-card.two{top:275px}.map-note{width:240px;bottom:0}.principle-strip{justify-content:flex-start;padding:23px 20px;overflow:auto}.principle-strip span{white-space:nowrap}.path-grid article{padding:26px}.question-list a{grid-template-columns:35px 1fr;padding:16px}.question-list a>svg{display:none}.source-callout{grid-template-columns:1fr;gap:18px}.source-callout .button{grid-column:1}.source-callout h2{font-size:30px}.footer-grid{grid-template-columns:1fr}.footer-grid>div:first-child{grid-column:auto}.legal{flex-direction:column;align-items:flex-start}.page-hero h1{font-size:43px}}.foundations{background:#fff}.concept-grid{gap:16px;max-width:1160px;margin:auto;display:grid}.concept-grid.six{grid-template-columns:repeat(3,1fr)}.concept-grid.four{grid-template-columns:repeat(4,1fr)}.concept-grid article{border:1px solid var(--line);background:#fff;border-radius:13px;padding:26px;position:relative;box-shadow:0 7px 22px #214b670b}.concept-grid article>span{background:var(--sky);width:36px;height:36px;color:var(--blue);border-radius:9px;place-items:center;font:700 11px Manrope;display:inline-grid}.concept-grid h3{color:var(--navy);margin:18px 0 8px;font:700 18px Manrope}.concept-grid p{color:var(--muted);margin:0;font-size:14px;line-height:1.62}.account-section,.calculator-section,.policy-language,.resources-section,.editorial-section,.prepare-section{background:var(--bg)}.account-grid{grid-template-columns:1fr 1fr;gap:15px;max-width:1160px;margin:auto;display:grid}.account-grid article{border:1px solid var(--line);background:#fff;border-radius:13px;grid-template-columns:112px 1fr;gap:18px;padding:24px;display:grid}.account-grid article>span{text-align:center;background:var(--navy);color:#fff;border-radius:9px;place-items:center;width:104px;height:auto;min-height:50px;padding:9px 10px;font:800 12px/1.2 Manrope;display:grid}.account-grid h3,.type-grid h3,.wide-card-grid h3,.step-grid h3,.info-note h3,.mistake-grid h3,.term-grid h3,.purpose-points h3{color:var(--navy);margin:0 0 7px;font:700 17px Manrope}.account-grid p,.type-grid p,.wide-card-grid p,.step-grid p,.info-note p,.mistake-grid p,.term-grid p,.purpose-points p{color:var(--muted);margin:0;font-size:13px;line-height:1.62}.section-note{text-align:center;color:#7d8f9b;max-width:1000px;margin:24px auto 0;font-size:11px;line-height:1.6}.type-grid{grid-template-columns:repeat(4,1fr);gap:15px;max-width:1160px;margin:auto;display:grid}.type-grid article{border:1px solid var(--line);background:#fff;border-radius:13px;padding:25px}.type-grid article>span{color:var(--blue);font:700 11px Manrope}.type-grid h3{margin-top:16px}.split-heading{grid-template-columns:1fr 1fr;align-items:end;gap:7vw;max-width:1160px;margin:0 auto 42px;display:grid}.split-heading h2,.purpose-lead h2,.not-section h2,.checklist-section h2,.privacy-callout h2{color:var(--navy);letter-spacing:-.035em;margin:11px 0 0;font:800 clamp(32px,3.8vw,46px)/1.14 Manrope}.split-heading>p{color:var(--muted);margin:0;line-height:1.68}.wide-card-grid{grid-template-columns:1fr 1fr;gap:16px;max-width:1160px;margin:auto;display:grid}.wide-card-grid article{border:1px solid var(--line);background:#fff;border-radius:13px;grid-template-columns:50px 1fr;gap:17px;padding:25px;display:grid}.wide-card-grid article>svg{background:var(--sky);width:44px;height:44px;color:var(--blue);border-radius:10px;padding:11px}.next-guide{background:var(--navy);color:#fff;justify-content:space-between;align-items:center;gap:40px;display:flex}.next-guide h2{color:#fff;margin:10px 0;font:800 35px Manrope}.next-guide p{color:#d4e3ed;margin:0}.next-guide .eyebrow{color:#85d9f6}.next-guide .button{color:var(--blue);background:#fff;flex-shrink:0}.calculator-tabs{justify-content:center;gap:9px;margin:0 auto 22px;display:flex}.calculator-tabs button{color:#667b8a;cursor:pointer;background:#fff;border:1px solid #cbddea;border-radius:8px;align-items:center;gap:7px;padding:12px 17px;font-weight:600;display:flex}.calculator-tabs button.active{border-color:var(--blue);background:var(--blue);color:#fff}.calculator-tabs svg{width:18px}.calculator-card{background:#fff;border:1px solid #cfdfeb;border-radius:16px;grid-template-columns:.72fr 1.28fr;gap:52px;max-width:1050px;margin:auto;padding:40px;display:grid;box-shadow:0 14px 35px #1a547a12}.calculator-intro h3{color:var(--navy);margin:11px 0;font:800 31px/1.2 Manrope}.calculator-intro p{color:var(--muted);line-height:1.65}.calculator-form{flex-direction:column;gap:19px;display:flex}.calculator-form label{color:#516775;font-size:13px;font-weight:600}.calculator-form label>strong{float:right;color:var(--navy)}input[type=range]{width:100%;accent-color:var(--blue);margin-top:12px}input[type=number]{width:100%;min-width:0;color:var(--navy);background:#fff;border:0;padding:12px;font-weight:600}.money-input{border:1px solid var(--line);border-radius:8px;align-items:center;margin-top:7px;padding-left:12px;display:flex}.money-input i{color:#84939c;font-style:normal}.field-pair{grid-template-columns:1fr 1fr;gap:12px;display:grid}.result-panel{background:var(--sky);border-radius:10px;padding:21px}.result-panel>small{color:var(--muted);display:block}.result-panel>b{color:var(--blue);margin:4px 0 13px;font:800 37px Manrope;display:block}.result-panel>div{border-top:1px solid #c7dfef;grid-template-columns:repeat(3,1fr);gap:8px;padding-top:12px;display:grid}.result-panel span{color:var(--muted);font-size:11px}.result-panel span strong{color:var(--navy);margin-top:3px;font-size:13px;display:block}.calculator-note{color:#83929b;margin:0;font-size:10px;line-height:1.55}.fee-results,.grant-results,.needs-breakdown{grid-template-columns:1fr 1fr;gap:10px;display:grid}.fee-results>span,.grant-results>span,.needs-breakdown>span{background:#f3f7fa;border-radius:8px;padding:14px}.fee-results .difference,.grant-results .primary{background:var(--sky);grid-column:1/-1}.fee-results small,.grant-results small,.needs-breakdown small{color:var(--muted);font-size:10px;display:block}.fee-results b,.grant-results b,.needs-breakdown b{color:var(--navy);margin-top:4px;font:800 21px Manrope;display:block}.fee-results .difference b,.grant-results .primary b{color:var(--blue);font-size:27px}.range-ends{color:#8797a2;justify-content:space-between;margin-top:2px;font-weight:500;display:flex}.range-ends small{font-size:10px}.resp-hero{background:linear-gradient(110deg,#f4faff 0%,#fff 58%,#edf8ff 100%);grid-template-columns:1.08fr .92fr;align-items:center;gap:6vw;min-height:600px;padding:70px max(5vw,24px);display:grid}.resp-hero h1{color:var(--navy);letter-spacing:-.052em;margin:22px 0 20px;font:800 clamp(49px,5.7vw,74px)/1.02 Manrope}.resp-hero h1 em{color:var(--blue);font-style:normal}.resp-hero>div:first-child>p{max-width:620px;color:var(--muted);margin:0;font-size:19px;line-height:1.65}.resp-visual{place-items:center;min-height:410px;display:grid;position:relative}.grant-display{text-align:center;background:#fff;border:1px solid #cfe1ef;border-radius:22px;flex-direction:column;width:min(390px,88%);min-height:310px;padding:42px 35px;display:flex;position:relative;box-shadow:0 24px 60px #1b5d8f20}.grant-display:before{content:"";border:1px dashed #d7e7f2;border-radius:15px;position:absolute;inset:14px}.grant-display span{color:var(--muted);font-size:14px}.grant-display strong{color:var(--blue);margin:16px 0 4px;font:800 67px Manrope}.grant-display small{color:var(--navy);font-weight:600}.grant-display>div{justify-content:center;align-items:end;gap:8px;height:78px;margin-top:auto;display:flex}.grant-display i{background:#bfe2f8;border-radius:7px 7px 2px 2px;width:40px}.grant-display i:first-child{height:22px}.grant-display i:nth-child(2){height:38px}.grant-display i:nth-child(3){height:55px}.grant-display i:nth-child(4){background:var(--blue);height:72px}.resp-float{border:1px solid var(--line);color:var(--blue);background:#fff;border-radius:11px;align-items:center;gap:10px;padding:13px 15px;display:flex;position:absolute;box-shadow:0 12px 28px #163f5e1a}.resp-float>span{flex-direction:column;display:flex}.resp-float b{color:var(--navy);font-size:12px}.resp-float small{color:var(--muted);font-size:10px}.resp-float.first{top:70px;left:0}.resp-float.second{bottom:45px;right:0}.resp-stats{background:var(--navy);color:#fff;grid-template-columns:repeat(4,1fr);padding:28px max(5vw,24px);display:grid}.resp-stats div{border-right:1px solid #ffffff25;padding:7px 3vw}.resp-stats div:last-child{border:0}.resp-stats b{color:#7fd5f5;font:800 28px Manrope;display:block}.resp-stats span{color:#d1deea;font-size:12px;line-height:1.4}.step-grid{grid-template-columns:1fr 1fr;gap:18px;max-width:1160px;margin:auto;display:grid}.step-grid article{border:1px solid var(--line);background:var(--bg);border-radius:14px;padding:28px 30px 28px 78px;position:relative}.step-grid article>span{background:var(--blue);color:#fff;border-radius:9px;place-items:center;width:36px;height:36px;font:700 11px Manrope;display:grid;position:absolute;top:28px;left:25px}.info-note{background:var(--sky);border:1px solid #bedcf0;border-radius:14px;align-items:flex-start;gap:16px;max-width:1160px;margin:18px auto 0;padding:25px 28px;display:flex}.info-note>svg{background:var(--blue);color:#fff;stroke-width:2.5px;border-radius:50%;flex:none;width:25px;height:25px;padding:4px}.resp-simple{background:#fff}.resp-parties{grid-template-columns:repeat(3,1fr);gap:46px;max-width:1060px;margin:auto;display:grid}.resp-parties article{text-align:center;border:1px solid var(--line);background:var(--bg);border-radius:15px;min-height:230px;padding:27px;position:relative}.resp-parties article:not(:last-child):after{content:"→";background:var(--navy);color:#fff;border-radius:50%;place-items:center;width:27px;height:27px;font:700 14px Manrope;display:grid;position:absolute;top:50%;right:-36px;transform:translateY(-50%)}.party-icon{background:var(--sky);width:52px;height:52px;color:var(--blue);border-radius:14px;place-items:center;margin:0 auto 14px;display:grid}.party-icon svg{width:25px;height:25px}.resp-parties small{color:var(--blue);text-transform:uppercase;letter-spacing:.07em;font-size:10px;font-weight:700;display:block}.resp-parties h3{color:var(--navy);margin:6px 0 9px;font:800 22px Manrope}.resp-parties p{color:var(--muted);margin:0;font-size:13px;line-height:1.62}.plan-type-grid{grid-template-columns:repeat(3,1fr);gap:16px;max-width:1160px;margin:auto;display:grid}.plan-type-card{border:1px solid var(--line);background:#fff;border-radius:15px;padding:28px;box-shadow:0 8px 28px #214b670d}.plan-type-card>span{background:var(--sky);color:var(--blue);text-transform:uppercase;letter-spacing:.06em;border-radius:99px;padding:7px 10px;font-size:10px;font-weight:700;display:inline-block}.plan-type-card>h3,.provider-card>h3,.resp-subheading h3,.resp-choice-check h3{color:var(--navy);font-family:Manrope}.plan-type-card>h3{margin:18px 0 9px;font-size:22px}.plan-type-card>p{min-height:126px;color:var(--muted);margin:0;font-size:13px;line-height:1.65}.plan-consider{border-top:1px solid var(--line);margin-top:17px;padding-top:15px}.plan-consider b,.provider-point b{color:var(--teal);text-transform:uppercase;letter-spacing:.05em;margin-bottom:5px;font:700 11px Manrope;display:block}.plan-consider p,.provider-point p{color:var(--muted);margin:0;font-size:12px;line-height:1.6}.plan-consider.caution b,.provider-point:not(.positive) b{color:#b66d00}.resp-subheading{text-align:center;max-width:780px;margin:76px auto 34px}.resp-subheading.plan-heading{margin-top:62px}.resp-subheading h3{margin:10px 0;font-size:34px}.resp-subheading p{color:var(--muted);margin:0;line-height:1.68}.provider-grid{grid-template-columns:repeat(3,1fr);gap:16px;max-width:1160px;margin:auto;display:grid}.provider-card{border:1px solid var(--line);background:var(--bg);border-radius:14px;padding:27px;position:relative}.provider-number{color:#9cafbb;font:700 11px Manrope;position:absolute;top:24px;right:24px}.provider-card>h3{max-width:240px;margin:0 0 24px;font-size:19px}.provider-point{border-top:1px solid var(--line);padding-top:15px}.provider-point+.provider-point{margin-top:15px}.resp-choice-check{background:var(--navy);color:#fff;border-radius:15px;grid-template-columns:.65fr 1.35fr;align-items:start;gap:5vw;max-width:1160px;margin:22px auto 0;padding:30px 32px;display:grid}.resp-choice-check .eyebrow{color:#82d7f5}.resp-choice-check h3{color:#fff;margin:9px 0 0;font-size:25px}.resp-choice-check ul{gap:12px;margin:0;padding:0;list-style:none;display:grid}.resp-choice-check li{color:#d8e5ee;padding-left:23px;font-size:13px;line-height:1.58;position:relative}.resp-choice-check li:before{content:"✓";color:#75d4cf;font-weight:800;position:absolute;left:0}.resp-choice-check li b{color:#fff}.resp-calculator{grid-template-columns:.72fr 1.28fr}.grant-results{grid-template-columns:1fr 1fr}.bar-chart{border-bottom:1px solid var(--line);grid-template-columns:repeat(3,1fr);align-items:end;height:195px;display:grid}.bar-chart>div{height:100%;color:var(--muted);flex-direction:column;justify-content:end;align-items:center;font-size:11px;display:flex}.bar-chart i{border-radius:6px 6px 0 0;width:60%;margin:6px 0}.bar-chart i.a{background:var(--blue)}.bar-chart i.b{background:#72b9e4}.bar-chart i.c{background:#f1b756}.bar-chart b{color:var(--navy);margin-bottom:5px}.mistake-grid{grid-template-columns:1fr 1fr;gap:16px;max-width:1160px;margin:auto;display:grid}.mistake-grid article{border:1px solid var(--line);background:#fff;border-radius:13px;gap:18px;padding:24px;display:flex;box-shadow:0 7px 22px #214b670d}.mistake-grid article>span{color:#b66d00;background:#fff2dd;border-radius:50%;flex:none;place-items:center;width:39px;height:39px;font:700 11px Manrope;display:grid}.faq-section{background:var(--bg)}.faq-list{gap:10px;max-width:900px;margin:auto;display:grid}.faq-list details{border:1px solid var(--line);background:#fff;border-radius:11px;overflow:hidden}.faq-list summary{cursor:pointer;color:var(--navy);padding:19px 54px 19px 21px;font:700 16px Manrope;list-style:none;position:relative}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:"+";background:var(--sky);width:27px;height:27px;color:var(--blue);border-radius:50%;place-items:center;font:700 19px DM Sans;display:grid;position:absolute;top:50%;right:21px;transform:translateY(-50%)}.faq-list details[open] summary:after{content:"−"}.faq-list details p{color:var(--muted);margin:0;padding:0 55px 20px 21px;font-size:14px;line-height:1.68}.policy-types{background:#fff}.insurance-type-list{gap:14px;max-width:1060px;margin:auto;display:grid}.insurance-type-card{border:1px solid var(--line);background:#fff;border-radius:15px;transition:border-color .2s,box-shadow .2s;overflow:hidden}.insurance-type-card:hover,.insurance-type-card[open]{border-color:#a8cee8;box-shadow:0 12px 32px #214b6712}.insurance-type-card summary{cursor:pointer;grid-template-columns:54px 1fr 34px;align-items:center;gap:19px;padding:25px 27px;list-style:none;display:grid}.insurance-type-card summary::-webkit-details-marker{display:none}.insurance-type-card summary:focus-visible{outline-offset:-4px;border-radius:14px;outline:3px solid #176fbd45}.insurance-type-icon{background:var(--sky);width:51px;height:51px;color:var(--blue);border-radius:12px;place-items:center;display:grid}.insurance-type-icon svg{width:24px;height:24px}.insurance-type-summary{gap:5px;display:grid}.insurance-type-summary small{color:var(--blue);text-transform:uppercase;letter-spacing:.08em;font:700 10px Manrope}.insurance-type-summary strong{color:var(--navy);font:800 23px Manrope}.insurance-type-summary>span{color:var(--muted);font-size:13px;line-height:1.58}.insurance-type-toggle{background:var(--sky);width:32px;height:32px;color:var(--blue);border-radius:50%;place-items:center;display:grid;position:relative}.insurance-type-toggle:before,.insurance-type-toggle:after{content:"";background:currentColor;border-radius:2px;width:13px;height:2px;transition:transform .2s;position:absolute}.insurance-type-toggle:after{transform:rotate(90deg)}.insurance-type-card[open] .insurance-type-toggle:after{transform:rotate(0)}.insurance-type-details{border-top:1px solid var(--line);grid-template-columns:1fr 1fr;gap:11px;margin:0 27px 27px 100px;padding-top:20px;display:grid}.insurance-type-detail{background:var(--bg);border-radius:10px;padding:17px 18px}.insurance-type-detail b{color:var(--navy);margin-bottom:6px;font:700 13px Manrope;display:block}.insurance-type-detail p{color:var(--muted);margin:0;font-size:12px;line-height:1.62}.insurance-note{background:var(--sky);max-width:900px;color:var(--muted);border:1px solid #bedcf0;border-radius:11px;margin:20px auto 0;padding:17px 20px;font-size:12px;line-height:1.62}.insurance-note b{color:var(--navy)}.term-grid{grid-template-columns:repeat(3,1fr);gap:11px;max-width:1160px;margin:auto;display:grid}.term-grid article{border:1px solid var(--line);background:#fff;border-radius:10px;padding:17px 18px}.compact-contract{padding-top:58px;padding-bottom:58px}.compact-contract .split-heading{align-items:center;margin-bottom:25px}.compact-contract .split-heading h2{font-size:clamp(27px,3.2vw,36px)}.compact-contract .split-heading>p,.compact-contract .term-grid h3{font-size:14px}.compact-contract .term-grid p{font-size:12px}.comparison-grid ul,.checklist-section ul{border-top:1px solid var(--line);margin:20px 0 0;padding:18px 0 0;list-style:none}.comparison-grid li,.checklist-section li{color:#536b7a;padding:7px 0 7px 22px;font-size:13px;line-height:1.5;position:relative}.comparison-grid li:before,.checklist-section li:before{content:"✓";color:var(--teal);font-weight:800;position:absolute;left:0}.insurance-calculator{grid-template-columns:.65fr 1.35fr;max-width:1120px}.needs-breakdown{grid-template-columns:repeat(3,1fr)}.needs-breakdown>span{background:#f3f7fa}.needs-breakdown b{font-size:17px}.related-protection{background:#fff}.related-protection .path-grid p{min-height:72px}.checklist-section{background:var(--navy);color:#fff;grid-template-columns:.8fr 1.2fr;gap:7vw;display:grid}.checklist-section h2{color:#fff}.checklist-section p{color:#cddce7;line-height:1.65}.checklist-section .eyebrow{color:#7ed5f3}.checklist-section ul{border:0;grid-template-columns:1fr 1fr;gap:5px 20px;margin:0;padding-top:0;display:grid}.checklist-section li{color:#dce7ef}.resources-section{gap:64px;display:grid}.resource-group{width:100%;max-width:1160px;margin:auto}.resource-group>header{grid-template-columns:50px 1fr;align-items:start;gap:18px;margin-bottom:20px;display:grid}.resource-group>header>span{background:var(--navy);color:#fff;border-radius:11px;place-items:center;width:45px;height:45px;font:700 12px Manrope;display:grid}.resource-group h2{color:var(--navy);margin:0;font:800 27px Manrope}.resource-group header p{color:var(--muted);margin:6px 0 0}.resource-links{grid-template-columns:1fr 1fr;gap:12px;display:grid}.resource-links>a{border:1px solid var(--line);background:#fff;border-radius:11px;grid-template-columns:38px 1fr 20px;align-items:center;gap:13px;padding:18px;transition:all .2s;display:grid}.resource-links>a:hover{border-color:#a8cee8;transform:translateY(-1px)}.resource-link-icon{background:var(--sky);width:38px;height:38px;color:var(--blue);border-radius:9px;place-items:center;display:grid}.resource-links>a>span:nth-child(2){flex-direction:column;display:flex}.resource-links b{color:var(--navy);font-size:13px}.resource-links small{color:var(--muted);margin-top:4px;font-size:11px;line-height:1.45}.resource-links>a>svg{color:var(--blue)}.resource-disclaimer{background:var(--sky);border:1px solid #bedcf0;border-radius:14px;gap:16px;max-width:900px;margin:auto;padding:24px;display:flex}.resource-disclaimer>svg{color:var(--blue);flex:none}.resource-disclaimer h3{color:var(--navy);margin:0 0 6px;font:700 17px Manrope}.resource-disclaimer p{color:var(--muted);margin:0;font-size:13px;line-height:1.62}.purpose-section{background:#fff;grid-template-columns:.8fr 1.2fr;gap:7vw;display:grid}.purpose-lead p{color:var(--muted);line-height:1.7}.purpose-points{gap:12px;display:grid}.purpose-points article{border:1px solid var(--line);background:#fff;border-radius:11px;grid-template-columns:40px 1fr;gap:15px;padding:20px;display:grid}.purpose-points article>span{background:var(--sky);width:36px;height:36px;color:var(--blue);border-radius:50%;place-items:center;font:700 11px Manrope;display:grid}.not-section{background:var(--navy);color:#fff;grid-template-columns:1fr 1fr;align-items:center;gap:7vw;display:grid}.not-section h2{color:#fff}.not-section .eyebrow{color:#7ed5f3}.not-grid{grid-template-columns:1fr 1fr;gap:10px;display:grid}.not-grid span{color:#dce7ef;background:#ffffff0a;border:1px solid #ffffff1f;border-radius:8px;padding:15px;font-size:12px}.contact-status{position:relative}.status-dot{background:var(--amber);border-radius:50%;width:11px;height:11px;position:absolute;top:25px;right:25px;box-shadow:0 0 0 5px #e5a33a1a}.contact-options{background:#fff;grid-template-columns:1fr 1fr;gap:18px;display:grid}.contact-placeholder{background:var(--bg);border:1px dashed #aac7da;border-radius:14px;align-items:center;gap:20px;padding:29px;display:flex}.contact-placeholder small{color:var(--blue);text-transform:uppercase;letter-spacing:.09em;font-size:10px;font-weight:700}.contact-placeholder h3{color:var(--navy);margin:5px 0;font:700 20px Manrope}.contact-placeholder p{color:var(--muted);margin:0;font-size:13px}.privacy-callout{background:var(--navy);color:#fff;grid-template-columns:70px 1fr;align-items:center;gap:25px;display:grid}.privacy-callout>svg{color:#7fd5f5;background:#ffffff12;border-radius:17px;width:65px;height:65px;padding:16px}.privacy-callout .eyebrow{color:#7fd5f5}.privacy-callout h2{color:#fff;max-width:900px;font-size:32px}.privacy-callout p{color:#cedee9;margin-bottom:0}@media (width<=920px){.concept-grid.six,.concept-grid.four,.type-grid,.term-grid{grid-template-columns:1fr 1fr}.calculator-card,.resp-calculator,.insurance-calculator{grid-template-columns:1fr;gap:25px}.resp-hero{grid-template-columns:1fr}.resp-visual{margin-top:20px}.resp-stats{grid-template-columns:1fr 1fr}.resp-parties,.plan-type-grid,.provider-grid{grid-template-columns:1fr}.resp-parties{gap:42px;max-width:620px}.resp-parties article{min-height:0}.resp-parties article:not(:last-child):after{content:"↓";top:auto;bottom:-35px;right:50%;transform:translate(50%)}.plan-type-card>p{min-height:0}.resp-choice-check{grid-template-columns:1fr;gap:22px}.insurance-type-details,.checklist-section,.purpose-section,.not-section,.resource-links,.contact-options{grid-template-columns:1fr}}@media (width<=650px){.concept-grid.six,.concept-grid.four,.account-grid,.type-grid,.wide-card-grid,.step-grid,.mistake-grid,.term-grid{grid-template-columns:1fr}.split-heading{grid-template-columns:1fr;gap:15px}.calculator-tabs,.calculator-tabs.three{display:grid}.calculator-tabs button{justify-content:center}.calculator-card{padding:24px 19px}.field-pair,.fee-results,.grant-results,.needs-breakdown{grid-template-columns:1fr}.fee-results .difference,.grant-results .primary{grid-column:auto}.result-panel>div{grid-template-columns:1fr}.next-guide{flex-direction:column;align-items:flex-start}.resp-hero{padding:50px 20px 65px}.resp-hero h1{font-size:46px}.resp-visual{min-height:340px}.grant-display{min-height:270px;padding:31px 24px}.grant-display strong{font-size:53px}.resp-float{display:none}.resp-stats{padding:22px 12px}.resp-stats div{padding:10px 13px}.info-note{padding:21px}.plan-type-card,.provider-card{padding:23px}.resp-subheading{margin-top:58px}.resp-subheading h3{font-size:29px}.resp-choice-check{padding:25px 23px}.checklist-section ul,.not-grid{grid-template-columns:1fr}.resource-group>header{grid-template-columns:42px 1fr}.resource-links>a{grid-template-columns:34px 1fr}.resource-links>a>svg{display:none}.contact-placeholder{flex-direction:column;align-items:flex-start}.privacy-callout{grid-template-columns:1fr}.privacy-callout h2{font-size:28px}}.account-grid .account-card{border:1px solid var(--line);background:#fff;border-radius:13px;transition:border-color .2s,box-shadow .2s;overflow:hidden}.account-grid .account-card:hover,.account-grid .account-card[open]{border-color:#a8cee8;box-shadow:0 10px 28px #214b6710}.account-card summary{cursor:pointer;grid-template-columns:112px 1fr 34px;align-items:start;gap:18px;padding:24px;list-style:none;display:grid}.account-card summary::-webkit-details-marker{display:none}.account-card summary:focus-visible{outline-offset:-4px;border-radius:12px;outline:3px solid #176fbd45}.account-grid .account-badge{text-align:center;background:var(--navy);color:#fff;border-radius:9px;place-items:center;width:104px;height:auto;min-height:56px;padding:11px 12px;font:800 12px/1.25 Manrope;display:grid}.account-summary{padding-top:2px}.account-summary h3{font-size:18px}.account-summary p{font-size:13px;line-height:1.62}.account-toggle{background:var(--sky);width:31px;height:31px;color:var(--blue);border-radius:50%;place-items:center;margin-top:9px;display:grid;position:relative}.account-toggle:before,.account-toggle:after{content:"";background:currentColor;border-radius:2px;width:13px;height:2px;transition:transform .2s;position:absolute}.account-toggle:after{transform:rotate(90deg)}.account-card[open] .account-toggle:after{transform:rotate(0)}.account-detail-grid{border-top:1px solid var(--line);grid-template-columns:1fr 1fr;gap:10px;margin:0 24px 24px 154px;padding-top:18px;display:grid}.account-detail{background:var(--bg);border-radius:9px;padding:15px 16px}.account-detail b{color:var(--navy);margin-bottom:5px;font:700 12px Manrope;display:block}.account-detail p{font-size:12px;line-height:1.58}@media (width<=920px){.account-card summary{grid-template-columns:104px 1fr 32px}.account-detail-grid{grid-template-columns:1fr;margin-left:146px}}@media (width<=650px){.account-card summary{grid-template-columns:94px 1fr 30px;gap:13px;padding:18px}.account-grid .account-badge{width:94px;min-height:52px;padding:9px 8px;font-size:11px}.account-summary h3{font-size:16px}.account-summary p{font-size:12px}.account-toggle{width:29px;height:29px;margin-top:7px}.account-detail-grid{grid-template-columns:1fr;margin:0 18px 18px;padding-top:15px}.account-detail{padding:14px}}@media (width<=420px){.account-card summary{grid-template-columns:1fr 30px}.account-grid .account-badge{grid-column:1;width:max-content;max-width:100%;min-height:0;padding:8px 11px}.account-summary{grid-area:2/1/auto/-1}.account-toggle{grid-area:1/2;margin-top:0}}.investment-types .type-grid{grid-template-columns:1fr 1fr;align-items:start}.investment-type-card,.portfolio-concept-card{border:1px solid var(--line);background:#fff;border-radius:13px;transition:border-color .2s,box-shadow .2s;overflow:hidden}.investment-type-card:hover,.investment-type-card[open],.portfolio-concept-card:hover,.portfolio-concept-card[open]{border-color:#a8cee8;box-shadow:0 10px 28px #214b6710}.investment-type-card[open],.portfolio-concept-card[open]{grid-column:1/-1}.investment-type-card summary,.portfolio-concept-card summary{cursor:pointer;align-items:start;gap:17px;padding:23px 24px;list-style:none;display:grid}.investment-type-card summary{grid-template-columns:42px 1fr 32px}.portfolio-concept-card summary{grid-template-columns:48px 1fr 32px}.investment-type-card summary::-webkit-details-marker{display:none}.portfolio-concept-card summary::-webkit-details-marker{display:none}.investment-type-card summary:focus-visible,.portfolio-concept-card summary:focus-visible{outline-offset:-4px;border-radius:12px;outline:3px solid #176fbd45}.investment-number{background:var(--sky);width:38px;height:38px;color:var(--blue);border-radius:9px;place-items:center;font:700 11px Manrope;display:grid}.investment-type-summary h3,.portfolio-concept-card h3{margin:1px 0 7px;font-size:18px}.investment-type-summary p,.portfolio-concept-card summary p{font-size:13px;line-height:1.58}.investment-card-toggle{background:var(--sky);width:31px;height:31px;color:var(--blue);border-radius:50%;place-items:center;margin-top:3px;display:grid;position:relative}.investment-card-toggle:before,.investment-card-toggle:after{content:"";background:currentColor;border-radius:2px;width:13px;height:2px;transition:transform .2s;position:absolute}.investment-card-toggle:after{transform:rotate(90deg)}.investment-type-card[open] .investment-card-toggle:after,.portfolio-concept-card[open] .investment-card-toggle:after{transform:rotate(0)}.investment-detail-grid,.portfolio-detail-list{border-top:1px solid var(--line);grid-template-columns:repeat(3,1fr);gap:10px;margin:0 24px 24px;padding-top:18px;display:grid}.investment-detail,.portfolio-detail{background:var(--bg);border-radius:9px;padding:16px 17px}.investment-detail b,.portfolio-detail b{color:var(--navy);margin-bottom:6px;font:700 12px Manrope;display:block}.investment-detail p,.portfolio-detail p{font-size:12px;line-height:1.62}.portfolio-concept-icon{background:var(--sky);width:44px;height:44px;color:var(--blue);border-radius:10px;place-items:center;display:grid}.portfolio-concept-icon svg{width:22px;height:22px}.core-concepts .section-note{margin-top:22px}@media (width<=760px){.investment-types .type-grid{grid-template-columns:1fr}.investment-type-card[open],.portfolio-concept-card[open]{grid-column:auto}.investment-detail-grid,.portfolio-detail-list{grid-template-columns:1fr}}@media (width<=480px){.investment-type-card summary,.portfolio-concept-card summary{gap:13px;padding:18px}.investment-type-card summary{grid-template-columns:38px 1fr 29px}.portfolio-concept-card summary{grid-template-columns:44px 1fr 29px}.investment-number{width:35px;height:35px}.investment-card-toggle{width:29px;height:29px}.investment-type-summary h3,.portfolio-concept-card h3{font-size:16px}.investment-type-summary p,.portfolio-concept-card summary p{font-size:12px}.investment-detail-grid,.portfolio-detail-list{margin:0 18px 18px;padding-top:15px}.investment-detail,.portfolio-detail{padding:14px}.portfolio-concept-icon{width:41px;height:41px}}@media (width<=650px){.insurance-type-card summary{grid-template-columns:45px 1fr 30px;gap:14px;padding:20px}.insurance-type-icon{width:44px;height:44px}.insurance-type-summary strong{font-size:19px}.insurance-type-summary>span{font-size:12px}.insurance-type-toggle{width:29px;height:29px}.insurance-type-details{margin:0 20px 20px;padding-top:16px}.insurance-type-detail{padding:15px}.insurance-note{padding:15px 17px}.compact-contract{padding-top:48px;padding-bottom:48px}}@media (width<=440px){.insurance-type-card summary{grid-template-columns:45px 1fr 30px}.insurance-type-summary{grid-area:2/1/auto/-1}.insurance-type-icon{grid-area:1/1}.insurance-type-toggle{grid-area:1/3}.insurance-type-details{margin:0 18px 18px}}.contact-hero-simple{min-height:410px}.contact-service-card{align-self:center}.contact-advisor-name{color:var(--navy);letter-spacing:-.025em;margin-bottom:10px;font:800 29px/1.18 Manrope;display:block}.contact-service-card b{color:var(--blue);letter-spacing:.1em;text-transform:uppercase;font:700 12px Manrope}.contact-main{background:var(--bg);grid-template-columns:1.08fr .92fr;align-items:start;gap:28px;display:grid}.contact-form,.contact-details{border:1px solid var(--line);background:#fff;border-radius:16px;box-shadow:0 10px 30px #214b670c}.contact-form{gap:16px;padding:38px;display:grid}.contact-form h2{color:var(--navy);letter-spacing:-.035em;margin:-6px 0 0;font:800 35px/1.15 Manrope}.contact-form>p{color:var(--muted);margin:-7px 0 5px;line-height:1.62}.contact-form label{color:var(--navy);gap:7px;font-size:13px;font-weight:700;display:grid}.contact-form label span{color:var(--muted);font-weight:500}.contact-form input,.contact-form textarea{border:1px solid var(--line);width:100%;color:var(--navy);font:inherit;resize:vertical;background:#fff;border-radius:8px;padding:13px 14px}.contact-form input:focus,.contact-form textarea:focus{border-color:var(--blue);outline:3px solid #176fbd24}.contact-form .button{cursor:pointer;justify-self:start;margin-top:5px}.contact-form>small{color:#7d8f9b;font-size:11px;line-height:1.5}.contact-details{gap:2px;padding:9px;display:grid}.contact-detail{border-radius:11px;grid-template-columns:49px 1fr;align-items:start;gap:16px;padding:24px;transition:all .2s;display:grid}.contact-detail:not(.coming-soon):hover{background:var(--sky)}.contact-detail small{color:var(--blue);letter-spacing:.09em;text-transform:uppercase;margin-bottom:5px;font:700 10px Manrope;display:block}.contact-detail b{color:var(--navy);overflow-wrap:anywhere;font:700 18px/1.35 Manrope;display:block}.contact-detail em{color:var(--muted);margin-top:5px;font-size:13px;font-style:normal;line-height:1.55;display:block}.coming-soon{border-top:1px solid var(--line);background:#fbfdff}.coming-soon .icon-tile{color:#7890a0;background:#f2f7fa}@media (width<=920px){.contact-main{grid-template-columns:1fr}.contact-details{grid-template-columns:repeat(3,1fr)}.contact-detail{grid-template-columns:1fr;padding:20px}.coming-soon{border-top:0;border-left:1px solid var(--line)}}@media (width<=650px){.contact-form{padding:27px 22px}.contact-form h2{font-size:31px}.contact-details{grid-template-columns:1fr}.contact-detail{grid-template-columns:49px 1fr}.coming-soon{border-top:1px solid var(--line);border-left:0}}.question-list details{border:1px solid var(--line);background:#fff;border-radius:11px;overflow:hidden;box-shadow:0 5px 18px #163f5e08}.question-list details:hover,.question-list details[open]{border-color:#a9cee7}.question-list summary{cursor:pointer;grid-template-columns:39px 1fr;align-items:center;gap:14px;padding:17px 58px 17px 20px;list-style:none;display:grid;position:relative}.question-list summary::-webkit-details-marker{display:none}.question-list summary:after{content:"+";background:var(--sky);width:29px;height:29px;color:var(--blue);border-radius:50%;place-items:center;font:700 19px DM Sans;display:grid;position:absolute;top:50%;right:20px;transform:translateY(-50%)}.question-list details[open] summary:after{content:"−"}.question-list summary span{background:var(--sky);width:35px;height:35px;color:var(--blue);border-radius:50%;place-items:center;font-size:11px;display:grid}.question-list summary b{color:var(--navy);font-weight:700}.question-list details>p{color:var(--muted);margin:0;padding:0 58px 20px 73px;font-size:13px;line-height:1.68}@media (width<=600px){.question-list summary{grid-template-columns:35px 1fr;gap:11px;padding:16px 50px 16px 16px}.question-list summary:after{right:14px}.question-list details>p{padding:0 20px 19px 62px}}.cash-value-section{background:linear-gradient(145deg,#f2f9fe 0%,#f8fbfd 52%,#eef7fc 100%)}.cash-access-grid{grid-template-columns:repeat(3,1fr);gap:16px;max-width:1160px;margin:auto;display:grid}.cash-access-grid article{background:#fff;border:1px solid #cfdfeb;border-radius:14px;padding:27px;box-shadow:0 8px 28px #214b670d}.cash-access-icon{background:var(--sky);width:47px;height:47px;color:var(--blue);border-radius:11px;place-items:center;margin-bottom:20px;display:grid}.cash-access-icon svg{width:23px;height:23px}.cash-access-grid article>small{color:var(--blue);text-transform:uppercase;letter-spacing:.08em;font:700 10px Manrope}.cash-access-grid h3{color:var(--navy);margin:7px 0 10px;font:800 21px Manrope}.cash-access-grid p{color:var(--muted);margin:0;font-size:13px;line-height:1.66}.acb-callout{background:var(--navy);border-radius:15px;grid-template-columns:82px 1fr;gap:27px;max-width:1160px;margin:18px auto 0;padding:31px 34px;display:grid;box-shadow:0 15px 35px #0b294622}.acb-badge{color:#85d9f6;letter-spacing:.04em;background:#ffffff10;border:1px solid #ffffff26;border-radius:18px;place-items:center;width:72px;height:72px;font:800 21px Manrope;display:grid}.acb-callout h3{color:#fff;margin:2px 0 12px;font:800 25px Manrope}.acb-callout h4{color:#85d9f6;margin:19px 0 8px;font:800 16px Manrope}.acb-callout p{color:#d5e2eb;margin:0;font-size:13px;line-height:1.68}.acb-callout p+p{margin-top:10px}.cash-value-note,.contract-tip{max-width:1020px;color:var(--muted);background:#fff;border:1px solid #bedcf0;border-radius:11px;padding:17px 20px;font-size:12px;line-height:1.62}.cash-value-note{margin:19px auto 0}.contract-tip{margin:28px auto}.cash-value-note b,.contract-tip b{color:var(--navy)}@media (width<=920px){.cash-access-grid{grid-template-columns:1fr}.cash-access-grid article{grid-template-columns:54px 1fr;column-gap:17px;display:grid}.cash-access-icon{grid-row:1/4;margin:0}.cash-access-grid article>small,.cash-access-grid h3,.cash-access-grid p{grid-column:2}.cash-access-grid h3{margin-top:5px}}@media (width<=650px){.cash-access-grid article{padding:22px}.acb-callout{grid-template-columns:1fr;gap:18px;padding:25px 22px}.acb-badge{width:62px;height:62px}.acb-callout h3{font-size:22px}}.brand-mark{background:linear-gradient(145deg,var(--navy),var(--blue));border:1px solid #ffffff24;border-radius:13px;width:44px;height:44px;display:block;position:relative;overflow:hidden;box-shadow:0 8px 20px #12375b24}.brand-g,.brand-k{letter-spacing:-.11em;font:800 22px/1 Manrope;position:absolute}.brand-g{color:#bfe8ff;top:8px;left:7px}.brand-k{color:#fff;bottom:7px;right:8px}.footer-brand .brand-mark{box-shadow:none;border-color:#ffffff30}@media (width<=600px){.brand-mark{border-radius:11px;width:38px;height:38px}.brand-g,.brand-k{font-size:19px}.brand-g{top:7px;left:6px}.brand-k{bottom:6px;right:7px}}.footer-grid>div:first-child>p{max-width:520px}.footer-grid>div:first-child>p b{color:#fff}.footer-disclosures{border-top:1px solid #ffffff18;gap:9px;margin-top:38px;padding-top:22px;display:grid}.footer-disclosures p{max-width:1080px;margin:0;font-size:10px;line-height:1.65}.site-footer .legal{border-top:1px solid #ffffff12;margin-top:19px;padding-top:18px}.site-footer .legal p a{color:#dce7ef;text-underline-offset:2px;text-decoration:underline}.contact-registration{background:var(--navy);color:#d9e6ef;border-radius:11px;margin:8px;padding:22px}.contact-registration b{color:#fff;margin-bottom:9px;font:700 14px Manrope;display:block}.contact-registration p{margin:7px 0 0;font-size:11px;line-height:1.62}.policy-hero{min-height:400px}.policy-summary .eyebrow{margin-bottom:10px}.policy-summary a{color:var(--blue);text-underline-offset:3px;text-decoration:underline}.policy-page,.complaints-page{background:var(--bg)}.policy-intro{background:var(--sky);border:1px solid #bedcf0;border-radius:13px;max-width:960px;margin:0 auto 20px;padding:24px 27px}.policy-intro p{color:var(--muted);margin:5px 0;font-size:13px;line-height:1.66}.policy-intro b{color:var(--navy)}.policy-sections{gap:12px;max-width:960px;margin:auto;display:grid}.policy-sections article{border:1px solid var(--line);background:#fff;border-radius:13px;grid-template-columns:45px 1fr;gap:19px;padding:27px;display:grid}.policy-sections article>span{background:var(--navy);color:#fff;border-radius:10px;place-items:center;width:42px;height:42px;font:700 11px Manrope;display:grid}.policy-sections h2{color:var(--navy);margin:2px 0 10px;font:700 20px Manrope}.policy-sections p{color:var(--muted);margin:8px 0 0;font-size:13px;line-height:1.68}.policy-contact{background:var(--navy);color:#fff;border-radius:14px;gap:6px;max-width:960px;margin:18px auto 0;padding:28px;display:grid}.policy-contact .eyebrow{color:#82d8f5}.policy-contact h2{color:#fff;margin:5px 0;font:700 22px Manrope}.policy-contact a{color:#d7e9f4;width:max-content;font-size:14px}.policy-contact a:hover{text-decoration:underline}.complaint-cards{grid-template-columns:1fr 1fr;gap:18px;max-width:1100px;margin:auto;display:grid}.complaint-cards article{border:1px solid var(--line);background:#fff;border-radius:15px;padding:31px;box-shadow:0 8px 26px #214b670b}.complaint-cards article>small{color:var(--blue);letter-spacing:.09em;text-transform:uppercase;margin-top:20px;font:700 10px Manrope;display:block}.complaint-cards h2{color:var(--navy);margin:7px 0 11px;font:700 24px Manrope}.complaint-cards p{min-height:150px;color:var(--muted);margin:0 0 22px;font-size:13px;line-height:1.68}.complaint-cards .button{font-size:13px}.complaint-note{background:var(--sky);border:1px solid #bedcf0;border-radius:13px;max-width:920px;margin:20px auto 0;padding:27px}.complaint-note h2{color:var(--navy);margin:0 0 8px;font:700 19px Manrope}.complaint-note p{color:var(--muted);margin:0;font-size:13px;line-height:1.65}.complaint-note div{flex-wrap:wrap;gap:18px;margin-top:13px;display:flex}.complaint-note a{color:var(--blue);text-underline-offset:3px;font-size:13px;font-weight:700;text-decoration:underline}@media (width<=920px){.contact-details{grid-template-columns:1fr}.contact-registration{grid-column:1/-1}.complaint-cards{grid-template-columns:1fr}.complaint-cards p{min-height:0}}@media (width<=650px){.policy-sections article{grid-template-columns:1fr;padding:22px}.policy-intro,.policy-contact{padding:22px}.complaint-cards article{padding:24px}.complaint-cards .button{width:100%}}.contest-page{min-height:100vh;color:var(--ink);background:linear-gradient(135deg,#fff9ef 0%,#f5fbff 48%,#eaf7ff 100%)}.contest-header{-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);background:#ffffffdb;border-bottom:1px solid #d9e8f0;justify-content:space-between;align-items:center;height:74px;padding:0 max(4.6vw,24px);display:flex}.contest-header>span{color:var(--navy);letter-spacing:.09em;text-transform:uppercase;font:800 13px Manrope}.contest-brand{display:inline-flex}.contest-layout{grid-template-columns:.88fr 1.12fr;align-items:start;gap:56px;width:min(1120px,92vw);margin:auto;padding:66px 0 72px;display:grid}.contest-intro{padding:34px 0;position:sticky;top:105px}.contest-kicker{color:var(--blue);letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px;font:800 11px Manrope;display:block}.contest-intro h1{color:var(--navy);letter-spacing:-.055em;margin:0;font:800 clamp(39px,5vw,64px)/1.02 Manrope}.contest-intro>p{max-width:510px;color:var(--muted);margin:24px 0;font-size:16px;line-height:1.72}.contest-steps{gap:13px;margin-top:34px;display:grid}.contest-steps>div{background:#ffffffc7;border:1px solid #d6e6ee;border-radius:13px;grid-template-columns:39px 1fr;align-items:center;gap:13px;padding:15px 17px;display:grid}.contest-steps b{background:var(--navy);color:#fff;border-radius:50%;place-items:center;width:36px;height:36px;font:800 12px Manrope;display:grid}.contest-steps span{gap:3px;display:grid}.contest-steps strong{color:var(--navy);font-size:14px}.contest-steps small{color:var(--muted);font-size:12px}.contest-rules-primary-link{border:2px solid var(--blue);color:var(--blue);text-align:center;background:#fff;border-radius:11px;justify-content:center;margin-top:20px;padding:14px 18px;font:800 14px Manrope;text-decoration:none;transition:all .2s;display:flex}.contest-rules-primary-link:hover{background:var(--blue);color:#fff;transform:translateY(-1px)}.contest-rules-primary-link:focus-visible{outline-offset:3px;outline:3px solid #176fbd35}.contest-card{background:#fff;border:1px solid #d3e3ec;border-radius:21px;overflow:hidden;box-shadow:0 26px 70px #12375b16}.contest-card-heading{border-bottom:1px solid var(--line);color:#fff;background:linear-gradient(145deg,#12375b,#175b8f);padding:32px 36px 25px}.contest-card-heading>span{color:#94ddf8;letter-spacing:.11em;text-transform:uppercase;font:800 10px Manrope}.contest-card-heading h2{color:#fff;letter-spacing:-.035em;margin:8px 0 6px;font:800 31px Manrope}.contest-card-heading p{color:#d8e7f0;margin:0;font-size:13px}.contest-form{gap:18px;padding:31px 36px 36px;display:grid}.contest-form label,.contest-admin-card label{color:var(--navy);gap:7px;font-size:13px;font-weight:700;display:grid}.contest-form label>span:not(.brand-g):not(.brand-k){color:#7a8b98;font-weight:500}.contest-form input[type=text],.contest-form input[type=number],.contest-form input[type=file],.contest-admin-card input{width:100%;color:var(--navy);font:inherit;background:#fff;border:1px solid #cfdee8;border-radius:9px;padding:13px 14px}.contest-form input:focus,.contest-admin-card input:focus{border-color:var(--blue);outline:3px solid #176fbd24}.contest-field-row{grid-template-columns:1fr 140px;gap:14px;display:grid}.contest-upload{background:#f7fcff;border:1px dashed #9fc4da;border-radius:12px;padding:18px}.contest-upload input{margin-top:3px}.contest-upload small{color:var(--muted);font-weight:500}.contest-consent{background:#f2f8fc;border-radius:10px;grid-template-columns:20px 1fr;align-items:start;padding:16px;line-height:1.58}.contest-consent input{width:18px;height:18px;accent-color:var(--blue);margin:2px 0 0}.contest-consent a,.contest-privacy a,.contest-rule-sections a{color:var(--blue);text-underline-offset:2px;font-weight:700;text-decoration:underline}.contest-trap{clip:rect(0,0,0,0)!important;width:1px!important;height:1px!important;position:absolute!important;overflow:hidden!important}.contest-submit,.contest-secondary{background:var(--blue);color:#fff;cursor:pointer;border:0;border-radius:9px;min-height:49px;padding:13px 22px;font:800 14px Manrope;transition:all .2s}.contest-submit:hover,.contest-secondary:hover{background:var(--blue2);transform:translateY(-1px)}.contest-submit:disabled{cursor:wait;opacity:.7;transform:none}.contest-privacy{color:#778996;font-size:11px;line-height:1.55}.contest-error{color:#8d2424;background:#fff2f2;border:1px solid #e7b1b1;border-radius:9px;margin:0;padding:12px 14px;font-size:13px}.contest-success{text-align:center;background:#f0fbf7;border:1px solid #b8dfd1;border-radius:15px;margin:31px 36px 36px;padding:35px}.contest-success>span{color:#fff;background:#168b67;border-radius:50%;place-items:center;width:52px;height:52px;margin:auto;font-size:24px;display:grid}.contest-success h2{color:var(--navy);margin:17px 0 8px;font:800 29px Manrope}.contest-success p{color:var(--muted);font-size:13px;line-height:1.6}.contest-secondary{background:var(--navy);margin-top:10px}.contest-footer{background:#fff;border-top:1px solid #dce8ef;justify-content:space-between;gap:20px;padding:26px max(4.6vw,24px);display:flex}.contest-footer p{color:var(--muted);margin:0;font-size:11px}.contest-footer nav{gap:18px;display:flex}.contest-footer a{color:var(--blue);font-size:11px;font-weight:700}.contest-rules-hero{background:linear-gradient(135deg,#12375b,#174f7e)}.contest-rule-sections article{grid-template-columns:45px 1fr}.contest-admin-page{background:var(--bg);place-items:center;min-height:100vh;padding:70px 20px;display:grid}.contest-admin-card{border:1px solid var(--line);width:min(510px,100%);box-shadow:var(--shadow);background:#fff;border-radius:18px;padding:38px}.contest-admin-card .contest-brand{margin-bottom:30px}.contest-admin-card h1{color:var(--navy);letter-spacing:-.04em;margin:6px 0 12px;font:800 37px/1.08 Manrope}.contest-admin-card>p{color:var(--muted);margin:0 0 27px;line-height:1.65}.contest-admin-card form{gap:15px;display:grid}.contest-title{color:var(--navy);letter-spacing:.08em;text-transform:uppercase;margin-bottom:9px;font:800 16px Manrope;display:block}@media (width<=900px){.contest-layout{grid-template-columns:1fr;gap:25px;padding-top:32px}.contest-intro{padding-bottom:0;position:static}.contest-intro h1{max-width:720px}.contest-steps{grid-template-columns:repeat(3,1fr)}.contest-steps>div{grid-template-columns:1fr;align-content:start}.contest-footer{flex-direction:column;align-items:flex-start}}@media (width<=650px){.contest-header{height:66px}.contest-layout{width:min(94vw,620px);padding-bottom:42px}.contest-intro h1{font-size:42px}.contest-intro>p{font-size:14px}.contest-steps{grid-template-columns:1fr}.contest-steps>div{grid-template-columns:39px 1fr}.contest-card{border-radius:16px}.contest-card-heading{padding:26px 22px 21px}.contest-card-heading h2{font-size:26px}.contest-form{padding:24px 22px 28px}.contest-field-row{grid-template-columns:1fr}.contest-success{margin:24px 22px 28px;padding:27px 20px}.contest-footer nav{flex-wrap:wrap}.contest-admin-card{padding:28px 22px}.contest-admin-card h1{font-size:31px}}.tally-form-shell{background:#fff;min-height:899px;padding:12px 18px 18px}.tally-form-shell iframe{background:0 0;border:0;width:100%;min-height:899px;display:block}@media (width<=650px){.tally-form-shell{padding:8px 5px 14px}}.contact-tally-shell{min-height:760px;margin:0 -8px -8px}.contact-tally-shell iframe{background:0 0;border:0;width:100%;min-height:760px;display:block}@media (width<=650px){.contact-tally-shell{min-height:800px;margin:0 -5px -5px}.contact-tally-shell iframe{min-height:800px}}.contest-admin-loading{color:var(--muted);font-weight:700}.contest-admin-card>.brand-mark{margin-bottom:30px}.contest-gallery-page{background:var(--bg);min-height:100vh;padding:48px max(4vw,24px) 70px}.contest-gallery-header{justify-content:space-between;align-items:end;gap:30px;max-width:1320px;margin:0 auto 30px;display:flex}.contest-gallery-header h1{color:var(--navy);letter-spacing:-.045em;margin:4px 0;font:800 clamp(34px,4vw,50px)/1.08 Manrope}.contest-gallery-header p{color:var(--muted);margin:8px 0 0;font-size:14px}.contest-gallery-actions{gap:10px;display:flex}.contest-gallery-actions a,.contest-gallery-actions button,.contest-photo-download{border:1px solid var(--blue);background:var(--blue);color:#fff;cursor:pointer;border-radius:8px;padding:12px 16px;font:700 12px Manrope}.contest-gallery-actions button{color:var(--blue);background:#fff}.contest-gallery-grid{grid-template-columns:1fr 1fr;gap:20px;max-width:1320px;margin:auto;display:grid}.contest-entry-card{border:1px solid var(--line);background:#fff;border-radius:16px;grid-template-columns:minmax(230px,.9fr) 1.1fr;display:grid;overflow:hidden;box-shadow:0 10px 32px #12375b0d}.contest-entry-photo{background:#e8f0f5;min-height:355px;display:block;position:relative;overflow:hidden}.contest-entry-photo img{object-fit:contain;background:#edf4f8;width:100%;height:100%;position:absolute;inset:0}.contest-entry-photo>span{color:#fff;background:#0b2946dd;border-radius:7px;padding:7px 10px;font-size:10px;font-weight:700;position:absolute;bottom:13px;left:13px}.contest-entry-info{flex-direction:column;min-width:0;padding:25px 23px;display:flex}.contest-entry-title>span{color:var(--blue);letter-spacing:.1em;text-transform:uppercase;margin-bottom:7px;font:800 10px Manrope;display:block}.contest-entry-title>b{color:var(--navy);font:800 19px/1.3 Manrope;display:block}.contest-entry-info dl{gap:10px;margin:21px 0;display:grid}.contest-entry-info dl>div{border-bottom:1px solid #e8eff4;min-width:0;padding-bottom:9px}.contest-entry-info dt{color:#80919e;text-transform:uppercase;letter-spacing:.07em;margin-bottom:3px;font-size:9px;font-weight:700}.contest-entry-info dd{color:var(--navy);overflow-wrap:anywhere;margin:0;font-size:12px;font-weight:600;line-height:1.45}.contest-photo-download{color:var(--blue);background:#fff;align-self:flex-start;margin-top:auto}.contest-gallery-empty{text-align:center;background:#fff;border:1px dashed #acc8d9;border-radius:16px;max-width:720px;margin:80px auto;padding:50px}.contest-gallery-empty h2{color:var(--navy);margin:0 0 10px;font:800 28px Manrope}.contest-gallery-empty p{color:var(--muted);margin:0}@media (width<=1120px){.contest-gallery-grid{grid-template-columns:1fr}.contest-entry-card{grid-template-columns:minmax(260px,.72fr) 1.28fr}}@media (width<=700px){.contest-gallery-page{padding:30px 14px 50px}.contest-gallery-header{flex-direction:column;align-items:flex-start}.contest-gallery-actions{width:100%}.contest-gallery-actions a,.contest-gallery-actions button{text-align:center;flex:1}.contest-entry-card{grid-template-columns:1fr}.contest-entry-photo{min-height:320px}.contest-entry-info{padding:22px 20px}.contest-gallery-empty{margin-top:35px;padding:35px 20px}}.contest-rules-hero h1{color:#fff}.contest-rules-hero>div:first-child>p{color:#d8e7f0}.contest-rules-hero .eyebrow{color:#94ddf8}.resource-calculator-frame{box-shadow:var(--shadow);background:#fff;border:1px solid #c9ddea;border-radius:16px;overflow:hidden}.resource-calculator-frame iframe{background:#fff;border:0;width:100%;height:900px;display:block}.resource-calculators header p{max-width:780px}@media (width<=650px){.resource-calculator-frame{border-radius:12px}.resource-calculator-frame iframe{height:1000px}}.header-brand{gap:11px}.brand-divider{background:var(--line);width:1px;height:38px}.wealthforce-lockup{flex-direction:column;flex:none;align-items:flex-end;display:flex}.wealthforce-wordmark{width:200px;height:auto;display:block}.wealthforce-dealer-copy{color:var(--navy);font-family:var(--font-manrope),sans-serif;white-space:nowrap;justify-items:end;margin-top:1px;font-size:11px;line-height:1.1;display:grid}.wealthforce-dealer-copy strong{font-weight:800}.contact-form-only{grid-template-columns:minmax(0,1fr) minmax(300px,.55fr)}.contact-registration-standalone{align-self:start;margin:0;padding:28px}.policy-contact .button{color:#fff;margin-top:10px;text-decoration:none}.policy-summary .button{color:#fff;margin-top:16px;text-decoration:none}.contest-rule-sections .contest-contact-button{width:max-content;margin-top:17px;text-decoration:none}@media (width<=920px){.contact-form-only{grid-template-columns:1fr}}@media (width<=600px){.header-brand{gap:8px}.brand-divider{height:32px}.wealthforce-wordmark{width:145px}.wealthforce-dealer-copy{font-size:10.5px}}
