@charset "UTF-8";
:root{--forest:#193d38;--deep:#14332f;--cream:#faf8f2;--sage:#e6eeea;--red:#ae443a;--ink:#263b36;--muted:#53665f;--line:#cedad4;--radius:16px;--header-height:92px;--wrap:1240px;font-family:"Segoe UI",Arial,sans-serif;color:var(--ink);background:#fff;font-synthesis:none}
*{box-sizing:border-box}body{margin:0;font-size:16px;line-height:1.75}img{max-width:100%}a{color:inherit;text-underline-offset:4px}button,input{font:inherit}button,a,summary{-webkit-tap-highlight-color:transparent}h1,h2,h3,p{margin:0}h1,h2,h3{font-weight:650;line-height:1.15;letter-spacing:-.035em}h1{font-size:clamp(2.5rem,4.5vw,4.4rem)}h2{font-size:clamp(2rem,3.05vw,3rem)}h3{font-size:1.35rem}p+p{margin-top:19px}ul,ol{padding-left:22px}li+li{margin-top:9px}button,summary{cursor:pointer}button{color:inherit}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--red);outline-offset:5px}html{scroll-padding-top:22px}html.nav-ready{scroll-padding-top:calc(var(--header-height) + 22px)}[id]{scroll-margin-top:0}.wrap{width:min(var(--wrap),calc(100% - 80px));margin-inline:auto}.icon{flex:none;vertical-align:middle}.skip-link{position:fixed;z-index:100;top:10px;left:15px;background:white;padding:12px 20px;transform:translateY(-160%);border:2px solid var(--forest)}.skip-link:focus{transform:none}
.site-header{background:rgba(255,255,255,.98);border-bottom:1px solid var(--line);z-index:50;position:relative}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:32px;min-height:92px}.brand{display:inline-flex;align-items:center;flex-shrink:0;text-decoration:none}.brand img{width:216px;height:72px;object-fit:contain;object-position:left center}.site-nav{display:flex;align-items:center;gap:20px}.nav-dropdown{position:relative}.nav-dropdown>summary,.nav-link{display:flex;align-items:center;gap:6px;list-style:none;font-size:.88rem;font-weight:600;padding:20px 0;white-space:nowrap;line-height:1.4}.nav-dropdown>summary::-webkit-details-marker{display:none}.nav-dropdown>summary>.icon{width:13px;height:13px;transition:transform .2s}.nav-dropdown[open]>summary>.icon{transform:rotate(180deg)}.nav-current{color:var(--red)}.nav-link{text-decoration:none;flex-shrink:0}.nav-link:hover{color:var(--red)}.dropdown-panel{position:absolute;left:-20px;top:100%;min-width:280px;max-width:350px;padding:14px;background:white;border:1px solid var(--line);border-radius:12px;box-shadow:0 18px 40px #193d381a;max-height:calc(100dvh - var(--header-height) - 30px);overflow:auto}.dropdown-panel a{display:flex;align-items:center;justify-content:space-between;gap:16px;line-height:1.5;text-decoration:none;font-size:.86rem;border-radius:6px;padding:11px 12px}.dropdown-panel a:hover,.dropdown-panel a[aria-current]{background:var(--sage);color:var(--forest)}.dropdown-panel .icon{width:17px;height:17px}.menu-toggle{display:none}.nav-ready .site-header{position:fixed;top:0;left:0;right:0}.nav-ready body{padding-top:var(--header-height)}.site-nav[hidden]{display:none!important}
.button{display:inline-flex;justify-content:center;align-items:center;gap:18px;border-radius:8px;padding:16px 23px;min-height:55px;border:1px solid transparent;text-decoration:none;font-weight:600;font-size:.94rem;line-height:1.35;position:relative;isolation:isolate;transition:background-color .18s,color .18s,border-color .18s}.button>.icon{width:20px;height:20px}.button-primary{background:var(--red);color:#fff;border-color:var(--red)}.button-primary:hover{background:#93372f;border-color:#93372f}.button-secondary{background:var(--forest);color:#fff;border-color:var(--forest)}.button-secondary:hover{background:#0e2c27}.button-outline{color:#fff;background:#ffffff05;border-color:#ffffff70}.button-outline:hover{background:#ffffff15}.button-light{background:var(--cream);color:var(--forest)}.button-light:hover{background:#e9e7e0}.header-cta{font-size:.82rem;min-height:46px;padding:12px 16px;gap:10px}.button-row{display:flex;align-items:center;flex-wrap:wrap;gap:15px}.text-link{display:inline-flex;align-items:center;gap:12px;font-weight:600;text-decoration:none;font-size:.94rem;line-height:1.5}.text-link:hover{text-decoration:underline}.text-link>.icon{width:19px;height:19px}
.home-hero{position:relative;isolation:isolate;background:var(--forest);color:white;min-height:670px;border-bottom:1px solid #55736b;overflow:hidden}.hero-backdrop{position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,#102e28f2 0%,#14332ee0 31%,#173a3178 58%,#15352c15 100%),url('../img/hero.webp') center 48%/cover no-repeat}.hero-content{padding-block:94px 78px}.eyebrow{font-size:.73rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--red);line-height:1.5;margin-bottom:19px}.hero-content .eyebrow{color:#d1ddd1}.hero-content h1{max-width:690px;line-height:1.04;letter-spacing:-.043em}.hero-content h1 span{display:block;color:#e6d6b7;margin-top:5px}.hero-content .lead{max-width:520px;margin-top:28px;color:#ecf1eb;font-size:1.09rem;line-height:1.8}.hero-content .button-row{margin-top:32px}.hero-facts{display:flex;flex-wrap:wrap;gap:25px;margin-top:44px;font-size:.8rem;color:#e0eae2}.hero-facts span{display:flex;align-items:center;gap:9px}.hero-facts .icon{width:19px;height:19px;color:#e6d6b7}.home-hero>.ai-label{position:absolute;right:16px;bottom:16px;z-index:2;display:grid;place-items:center;width:22px;height:22px;margin:0;padding:0;border:0;border-radius:50%;background:rgba(255,255,255,.72);backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px);color:#27313b;font:700 9px/1 "Segoe UI",Arial,sans-serif;letter-spacing:0;text-align:center;pointer-events:none;user-select:none}
.section{padding-block:90px;border-bottom:1px solid var(--line)}.bg-white{background:#fff}.bg-cream{background:var(--cream)}.bg-sage{background:var(--sage)}.bg-forest{background:var(--forest);color:#fff;border-bottom-color:#55736b}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:60px;margin-bottom:38px}.section-heading>div{max-width:650px}.section-heading>p{max-width:440px;color:var(--muted);font-size:1rem;line-height:1.8}.section-intro{max-width:850px;font-size:1.05rem;color:var(--muted);margin-bottom:36px}.section-heading .eyebrow{margin-bottom:14px}.lead{color:var(--muted);font-size:1.08rem;line-height:1.85}
.provider-layout{display:grid;grid-template-columns:1.05fr .95fr;gap:75px;align-items:center}.provider-copy .lead{margin-top:23px}.provider-copy .text-link{margin-top:25px}.provider-card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--red);border-radius:var(--radius);padding:34px 36px;box-shadow:0 12px 40px #1d3c3407}.provider-top{display:flex;justify-content:space-between;align-items:start;gap:20px;padding-bottom:24px;border-bottom:1px solid var(--line)}.provider-wordmark{font-size:2.2rem;font-weight:700;line-height:1.1;letter-spacing:-.05em;color:var(--forest)}.provider-small{font-size:.77rem;color:var(--muted);margin-top:8px}.provider-top>.icon{width:31px;height:31px;color:var(--red)}.provider-card h3{font-size:1.4rem;margin-top:24px}.check-list{list-style:none;padding:0;margin:23px 0 27px}.check-list li{display:flex;gap:12px;align-items:start;font-size:.97rem;line-height:1.6}.check-list .icon{width:20px;height:20px;margin-top:3px;color:var(--forest)}.provider-card>.button{width:100%}.provider-card .text-link{margin-top:19px;font-size:.82rem}
.split-section{display:grid;grid-template-columns:1fr 1fr;grid-template-areas:'title image' 'copy image';column-gap:75px;align-items:start}.split-title{grid-area:title}.split-image{grid-area:image;border-radius:var(--radius);overflow:hidden;align-self:center}.split-image img{display:block;width:100%;height:auto}.split-copy{grid-area:copy;margin-top:26px;color:var(--muted)}.split-copy .button-row,.split-copy .text-link{margin-top:25px}.split-reverse{grid-template-areas:'image title' 'image copy'}.small-links{display:flex;flex-direction:column;align-items:start;gap:10px;margin-top:22px}.small-links .text-link{margin-top:0}.number-points{padding:0;list-style:none;counter-reset:step}.number-points li{counter-increment:step;position:relative;padding-left:56px;margin-top:27px}.number-points li::before{content:counter(step,decimal-leading-zero);font-size:1.65rem;line-height:1.2;font-weight:600;color:var(--red);position:absolute;left:0;top:0}.number-points h3{font-size:1.1rem;letter-spacing:-.015em}.number-points p{font-size:.95rem;color:var(--muted);margin-top:8px}
.topic-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.topic-card{display:flex;flex-direction:column;align-items:start;padding:30px 28px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);text-decoration:none;transition:border-color .18s,background-color .18s}.topic-card:hover{border-color:#8aa197;background:#fffefa}.topic-symbol{display:grid;place-items:center;color:var(--forest);width:45px;height:45px;border-radius:12px;background:var(--sage);margin-bottom:24px}.topic-symbol .icon{width:23px;height:23px}.topic-card h3{font-size:1.35rem;line-height:1.3}.topic-card>p{color:var(--muted);font-size:.94rem;line-height:1.75;margin-block:14px 26px}.card-link{display:flex;align-items:center;justify-content:space-between;gap:15px;font-weight:600;font-size:.82rem;margin-top:auto;width:100%}.card-link .icon{width:20px;height:20px}.topic-grid.two-columns{grid-template-columns:repeat(2,minmax(0,1fr))}.related-grid .topic-card{padding:26px}.related-grid .topic-symbol{margin-bottom:17px}.hub-section-intro{max-width:800px;margin:22px 0 35px;color:var(--muted)}
.faq-layout{display:grid;grid-template-columns:.75fr 1.25fr;gap:80px;align-items:start}.faq-intro p{color:var(--muted);margin-top:23px}.faq-item{border-bottom:1px solid #bfcec6}.faq-item:first-child{border-top:1px solid #bfcec6}.faq-item>summary{display:flex;align-items:center;justify-content:space-between;gap:22px;list-style:none;line-height:1.55;padding:22px 2px;font-weight:600;font-size:1rem}.faq-item>summary::-webkit-details-marker{display:none}.faq-toggle-icon{flex:none;width:24px;height:24px}.faq-icon-vertical{opacity:1;transition:opacity .18s}.faq-item[open] .faq-icon-vertical{opacity:0}.faq-item summary[aria-expanded=false] .faq-icon-vertical{opacity:1}.faq-answer{font-size:.96rem;color:var(--muted);line-height:1.8}.faq-answer>div{padding:0 28px 25px 2px}.faq-answer a{color:var(--forest)}.cta-layout{display:flex;align-items:center;justify-content:space-between;gap:65px}.cta-layout>div{max-width:750px}.cta-layout p{margin-top:23px;color:#d5e1d9}.cta-layout .eyebrow{color:#dfc7a0;margin-top:0}.cta-layout>.button{flex-shrink:0}
.page-hero{padding-block:37px 64px;background:var(--sage);border-bottom:1px solid var(--line)}.breadcrumbs{display:flex;align-items:center;flex-wrap:wrap;gap:10px;font-size:.77rem;line-height:1.5;color:var(--muted);margin-bottom:35px}.breadcrumbs a{text-decoration:none}.breadcrumbs .icon{width:12px;height:12px}.detail-hero{display:grid;grid-template-columns:1.05fr .95fr;grid-template-areas:'title image' 'lead image' 'actions image' 'meta image';column-gap:65px;align-content:center}.detail-title{grid-area:title}.detail-title h1{font-size:clamp(2.2rem,3.65vw,3.65rem);line-height:1.1;overflow-wrap:break-word}.detail-photo{grid-area:image;border-radius:var(--radius);overflow:hidden;align-self:center}.detail-photo img{display:block;width:100%;height:auto}.detail-hero>.lead{grid-area:lead;margin-top:25px}.detail-actions{grid-area:actions;margin-top:28px}.article-meta{grid-area:meta;display:flex;align-items:center;gap:18px;flex-wrap:wrap;font-size:.72rem;color:var(--muted);margin-top:25px}.article-layout{display:grid;grid-template-columns:258px minmax(0,1fr);gap:68px;align-items:start}.toc{position:sticky;top:calc(var(--header-height) + 25px);background:var(--cream);border:1px solid var(--line);border-radius:12px;padding:25px;max-height:calc(100dvh - var(--header-height) - 50px);overflow:auto;font-size:.86rem;line-height:1.6}.toc h2{font-size:1.05rem;letter-spacing:-.01em;margin-bottom:18px}.toc ol{padding-left:18px;margin:0}.toc li{padding-left:4px;margin-top:12px}.toc a{color:var(--muted);text-decoration:none}.toc a:hover{color:var(--forest);text-decoration:underline}.rich-copy{min-width:0;max-width:850px}.rich-copy .chapter+.chapter{margin-top:48px;padding-top:41px;border-top:1px solid var(--line)}.rich-copy h2{font-size:clamp(1.7rem,2.4vw,2.25rem);margin-bottom:24px;line-height:1.23}.rich-copy h3{font-size:1.21rem;margin-block:28px 15px}.rich-copy p,.rich-copy li{color:#41584e}.rich-copy li{padding-left:3px}.rich-copy a{color:#315f50}.answer-box{border-left:3px solid var(--red);border-radius:0 10px 10px 0;background:var(--cream);padding:24px 28px;margin-bottom:37px}.answer-box p{font-size:1rem}.info-box{margin-block:27px;padding:24px 27px;border-radius:12px;background:var(--sage)}.info-box h3{margin-top:0}.info-box p{font-size:.98rem}.comparison-table{border-collapse:collapse;width:100%;font-size:.93rem;margin-block:27px;line-height:1.7}.comparison-table th,.comparison-table td{text-align:left;vertical-align:top;border-bottom:1px solid var(--line);padding:15px}.comparison-table th{background:var(--sage);font-weight:650}.comparison-table td{color:#41584e}.sources{max-width:920px}.sources h2{font-size:1.5rem;margin-bottom:20px}.sources ul{padding-left:21px;margin:0}.sources li{font-size:.85rem;line-height:1.7;overflow-wrap:anywhere}.sources p{color:var(--muted);font-size:.8rem;margin-top:22px}.sources a{color:#315f50}.legal-content{max-width:890px}.legal-content h2{font-size:1.7rem;margin-bottom:22px}.legal-content h3{font-size:1.2rem;margin-block:26px 14px}.legal-content>div+div{margin-top:38px;padding-top:32px;border-top:1px solid var(--line)}.legal-content p,.legal-content li{color:#41584e}.legal-content address{font-style:normal}.legal-line{display:flex;align-items:center;gap:12px;margin-top:14px}.legal-line .icon{width:19px;height:19px}.facts-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px;margin-block:30px}.fact-box{border:1px solid var(--line);border-radius:12px;padding:20px;background:var(--cream)}.fact-box span{display:block;font-size:.74rem;color:var(--muted)}.fact-box strong{display:block;font-size:1rem;line-height:1.5;margin-top:7px}
.site-footer{background:var(--cream);padding:65px 0 25px}.footer-grid{display:grid;grid-template-columns:1.35fr 1fr 1fr;gap:43px}.footer-brand .brand img{width:208px;height:69px}.footer-brand>p{font-size:.88rem;color:var(--muted);line-height:1.8;margin-top:18px}.footer-location{display:inline-flex;align-items:center;gap:9px;font-size:.78rem;margin-top:22px;color:var(--forest)}.footer-location .icon{width:17px;height:17px}.footer-grid h2{font-size:.93rem;font-weight:650;letter-spacing:0;line-height:1.4;margin:15px 0 22px}.footer-grid ul{list-style:none;margin:0;padding:0}.footer-grid li{margin-top:10px;font-size:.81rem;line-height:1.6;color:var(--muted)}.footer-grid a{text-decoration:none}.footer-grid a:hover{text-decoration:underline}.affiliate-note{font-size:.76rem;color:var(--muted);line-height:1.8;margin-top:42px;padding-top:28px;border-top:1px solid var(--line);max-width:none}.footer-bottom{margin-top:25px;padding-top:24px;border-top:1px solid var(--line);display:flex;justify-content:space-between;align-items:center;gap:20px;color:var(--muted);font-size:.73rem}.footer-bottom nav{display:flex;gap:25px}.footer-bottom a{text-decoration:none}.footer-bottom a:hover{text-decoration:underline}
.reveal-armed:not(.reveal-visible){opacity:0;transform:translateY(12px)}.reveal-armed{transition:opacity .45s ease,transform .45s ease;transition-delay:var(--reveal-delay,0ms)}.reveal-visible{opacity:1;transform:none}.motion-ready .header-cta::after{content:"";position:absolute;inset:0;border-radius:inherit;background:linear-gradient(110deg,transparent 20%,#ffffff32 46%,#ffffff0d 55%,transparent 80%);background-size:280% 100%;pointer-events:none;z-index:-1;animation:header-shimmer 6s ease-in-out infinite}.site-nav[hidden] .header-cta::after{animation-play-state:paused}@keyframes header-shimmer{0%,72%{background-position:160% 0}91%,100%{background-position:-60% 0}}
@property --rim-angle{syntax:"<angle>";initial-value:0deg;inherits:false}
@supports (mask-composite:exclude){.motion-ready .hero-cta::before{content:"";position:absolute;inset:-1px;border-radius:inherit;padding:1.5px;background:conic-gradient(from var(--rim-angle),transparent 0deg,transparent 235deg,#efcea033 280deg,#ffe9bf 320deg,transparent 345deg);mask:linear-gradient(#fff 0 0) content-box,linear-gradient(#fff 0 0);mask-composite:exclude;pointer-events:none;animation:hero-rim 5s linear infinite}.motion-ready .hero-cta{border-color:#ffffff3d}}@keyframes hero-rim{to{--rim-angle:360deg}}
@media(min-width:1081px){.dropdown-panel::before{content:"";position:absolute;top:-12px;left:0;right:0;height:13px}.nav-dropdown{align-self:stretch;display:flex;align-items:center}.site-nav{align-self:stretch}.site-nav>.button{align-self:center}}
@media(max-width:1190px){.wrap{width:calc(100% - 60px)}.site-nav{gap:15px}.header-inner{gap:22px}.brand img{width:195px;height:65px}.nav-dropdown>summary,.nav-link{font-size:.82rem}.header-cta{font-size:.78rem;padding:12px}.provider-layout,.split-section{column-gap:45px}.detail-hero{column-gap:45px}.footer-grid{gap:27px}.article-layout{gap:42px;grid-template-columns:230px minmax(0,1fr)}}
@media(max-width:1080px){.header-inner{flex-wrap:wrap;min-height:83px;gap:0;justify-content:space-between}.site-nav{width:100%;align-items:stretch;flex-direction:column;gap:0;padding:15px 0 25px}.nav-dropdown>summary,.nav-link{font-size:1rem;justify-content:space-between;padding:14px 2px;border-bottom:1px solid var(--line)}.dropdown-panel{position:static;width:100%;max-width:none;min-width:0;max-height:none;border:0;border-radius:0;box-shadow:none;padding:8px 0 12px 12px;background:transparent}.dropdown-panel a{font-size:.9rem;padding:10px 12px}.header-cta{margin-top:19px;font-size:.94rem;min-height:50px;align-self:stretch}.nav-ready .menu-toggle{display:flex;align-items:center;gap:12px;border:1px solid var(--line);border-radius:7px;padding:9px 12px;background:#fff;line-height:1;font-size:.81rem}.nav-ready .site-nav{position:absolute;top:100%;left:0;right:0;width:100%;padding:15px 30px 25px;background:var(--cream);max-height:calc(100dvh - var(--header-height));overflow:auto;border-bottom:1px solid var(--line);box-shadow:0 22px 28px #14332f10}.hamburger path{transform-origin:12px 10px;transition:transform .23s ease,opacity .15s ease}.hamburger-top{transform:translateY(-6px)}.hamburger-bottom{transform:translateY(6px)}.menu-toggle[aria-expanded=true] .hamburger-top{transform:rotate(45deg)}.menu-toggle[aria-expanded=true] .hamburger-middle{opacity:0}.menu-toggle[aria-expanded=true] .hamburger-bottom{transform:rotate(-45deg)}.topic-grid{gap:17px}.topic-card{padding:25px 22px}.footer-grid{grid-template-columns:1.2fr 1fr 1fr;gap:32px}.home-hero{min-height:610px}.hero-content{padding-block:77px 67px}.hero-content h1{max-width:620px}.hero-content .lead{max-width:510px}.hero-backdrop{background-position:58% center}.section{padding-block:74px}.faq-layout{gap:45px}.detail-hero{column-gap:35px}.article-layout{grid-template-columns:205px minmax(0,1fr);gap:34px}.toc{padding:20px}.cta-layout{gap:35px}.cta-layout>div{max-width:610px}}
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