:root{--ink:#102f2d;--muted:#4b6260;--teal:#0f766e;--teal-dark:#075b56;--pale:#edf6f3;--cream:#f8f5ed;--border:#ceded8;--white:#fff;--red:#9f2525;--radius:20px}*{box-sizing:border-box}html{scroll-padding-top:2rem}body{margin:0;color:var(--ink);background:#fff;font:17px/1.65 system-ui,-apple-system,"Segoe UI",sans-serif}a{color:var(--teal-dark);text-underline-offset:4px}a:hover{text-decoration-thickness:2px}button,input,select,textarea{font:inherit}button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible,[tabindex="-1"]:focus-visible{outline:3px solid #b54c06;outline-offset:4px}.shell{width:min(1180px,calc(100% - 56px));margin:auto}header{border-bottom:1px solid var(--border);background:var(--white)}.header-row{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:92px}.brand{font-weight:800;display:inline-flex;align-items:center;gap:10px;color:var(--ink);font-size:25px;text-decoration:none;letter-spacing:-1px}.brand-mark{display:grid;place-items:center;border-radius:12px;width:43px;height:43px;background:var(--teal);color:#fff;font-size:16px;letter-spacing:0}header nav{display:flex;gap:24px;align-items:center;font-size:15px;font-weight:650}header nav>a{min-height:44px;display:flex;align-items:center}.button{display:inline-flex;align-items:center;justify-content:center;gap:16px;min-height:52px;border:1px solid var(--teal-dark);padding:13px 23px;border-radius:9px;background:var(--teal);color:white;font-weight:700;text-decoration:none;cursor:pointer;line-height:1.35;text-align:center}.button:hover{background:var(--teal-dark);color:#fff}.button.secondary{background:white;color:var(--teal-dark)}.button.small{min-height:44px;padding:10px 16px}.button:disabled{opacity:.7;cursor:wait}.breadcrumbs{display:flex;flex-wrap:wrap;gap:8px;padding:25px 0;font-size:13px;color:var(--muted)}.hero{padding:44px 0 64px;max-width:910px}.hero-hub{max-width:none;display:grid;grid-template-columns:1.4fr .85fr;gap:70px;align-items:center}.eyebrow{display:block;color:var(--teal-dark);font-size:13px;font-weight:750;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:15px}h1,h2,h3,p{margin-top:0}h1{font-size:clamp(36px,4.5vw,62px);font-weight:750;line-height:1.08;letter-spacing:-2.2px;margin-bottom:26px;text-wrap:balance}h2{font-size:clamp(27px,3vw,38px);line-height:1.17;letter-spacing:-1px;text-wrap:balance}h3{font-size:21px;line-height:1.3;letter-spacing:-.3px}p{margin-bottom:20px}.lead{font-size:20px;color:var(--muted);max-width:680px;line-height:1.6}.actions{display:flex;gap:22px;align-items:center;flex-wrap:wrap;margin:30px 0 17px}.text-link{font-weight:700;line-height:1.5;display:inline-flex;align-items:center;min-height:44px}.micro,.field-help{font-size:13px;line-height:1.6;color:var(--muted)}.hero-note{position:relative;background:var(--cream);border-radius:28px;padding:38px;border:1px solid #e4e2d4;overflow:hidden}.hero-note:after{content:"";position:absolute;width:130px;height:130px;border:1px solid #c5d5c9;border-radius:50%;right:-55px;top:-50px;box-shadow:0 0 0 22px #f8f5ed,0 0 0 23px #c5d5c9;pointer-events:none}.hero-note h2{font-size:34px;font-weight:650;line-height:1.2}.hero-note ol{padding-left:20px;margin-bottom:25px;font-size:15px}.hero-note li{padding:7px 0}.note-caption{display:block;padding-top:18px;border-top:1px solid #d6dbcb;font-size:13px}.section{padding:58px 0;border-top:1px solid var(--border)}.section>p,.section>ol,.section>ul,.section>dl{max-width:920px}.two-col{display:grid;grid-template-columns:1.1fr 1fr;gap:48px}.note{background:var(--pale);border:1px solid var(--border);border-radius:var(--radius);padding:28px}.note p:last-child{margin-bottom:0}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:19px}.card{display:flex;flex-direction:column;padding:28px 25px;background:#fff;border:1px solid var(--border);border-radius:var(--radius);text-decoration:none;color:var(--ink);transition:box-shadow .18s,border-color .18s}.card:hover{border-color:var(--teal);box-shadow:0 8px 24px #103e3510}.card .eyebrow{font-size:11px}.card p{color:var(--muted);font-size:15px}.card-link{font-size:14px;color:var(--teal-dark);font-weight:700;margin-top:auto;display:flex;justify-content:space-between}.steps{padding:0;list-style:none;display:grid;grid-template-columns:repeat(3,1fr);gap:30px}.steps>li{border-top:3px solid var(--teal);padding-top:20px}.steps>li>span{color:var(--teal);font-size:14px;display:block;margin-bottom:18px;font-weight:750}.steps p{font-size:16px;color:var(--muted)}.sources{font-size:13px;color:var(--muted);border-left:3px solid var(--border);padding-left:16px;margin-top:28px;line-height:1.8}.sources a{overflow-wrap:anywhere}li{padding:5px 0}.download{display:flex;gap:30px;align-items:center;justify-content:space-between;margin-bottom:25px}.download>div{max-width:680px}.download .button{flex-shrink:0}.section-heading{display:flex;align-items:flex-end;justify-content:space-between;gap:25px;margin-bottom:20px}.section-heading h2{margin:0}.section-heading .eyebrow{margin-bottom:8px}details{border-bottom:1px solid var(--border);padding:8px 0}summary{padding:16px 8px;cursor:pointer;font-weight:700;min-height:56px}details p{padding:0 8px}.quote-section{display:grid;grid-template-columns:.7fr 1.3fr;gap:44px}.quote-intro{padding-top:22px}form{border-radius:var(--radius);padding:30px;background:var(--cream);border:1px solid #e2dfd1}fieldset{border:0;padding:0;margin:0;min-width:0}legend{font-size:20px;font-weight:750;margin-bottom:22px}fieldset h3{margin:28px 0 20px;font-size:20px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}label{display:flex;flex-direction:column;gap:7px;font-size:14px;font-weight:650;min-width:0}input,select,textarea{width:100%;min-height:48px;border:1px solid #8da7a0;border-radius:7px;background:white;color:var(--ink);padding:11px 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dt{font-weight:750;font-size:19px;margin-top:22px}.definitions dd{margin:7px 0 20px;color:var(--muted)}footer{background:var(--ink);color:#dbe8e4;padding:55px 0;font-size:14px}.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:55px}footer a{color:#e4f5ee}footer .brand{color:white;margin-bottom:20px}footer h2{font-size:18px;letter-spacing:0}footer nav a{display:block;min-height:44px;padding:8px 0}footer .micro{color:#dbe8e4}.mobile-actions{display:none}.skip-link{position:absolute;top:-100px;left:15px;padding:14px;background:#fff;z-index:10}.skip-link:focus{top:10px}[hidden]{display:none!important}@media(max-width:950px){.hero-hub{gap:35px;grid-template-columns:1.1fr .8fr}.cards{grid-template-columns:repeat(2,minmax(0,1fr))}.quote-section{grid-template-columns:1fr}.quote-intro{max-width:720px}.hero-note{padding:25px}.hero-note h2{font-size:29px}.download{align-items:flex-start;flex-direction:column}}@media(max-width:650px){.shell{width:calc(100% - 36px)}body{font-size:16px}.header-row{min-height:80px;gap:12px;padding:15px 0;align-items:flex-start}.brand{font-size:21px;gap:7px}.brand-mark{width:36px;height:36px;font-size:13px}.header-row nav{justify-content:flex-end;gap:4px 13px;flex-wrap:wrap;font-size:12px;max-width:230px}.header-row nav .button{padding:9px 12px;min-height:44px}.header-row nav>a{min-height:34px}.hero{padding:23px 0 40px}.hero-hub{display:block}.hero-note{margin-top:32px}.hero-note h2{font-size:27px}.hero-note h2 br{display:none}.hero-note h2 br:after{content:" "}.hero-note ol{margin-bottom:17px}.hero h1{letter-spacing:-1.3px;font-size:39px}.lead{font-size:18px}.eyebrow{font-size:11px}.breadcrumbs{font-size:11px;padding:19px 0}.section{padding:38px 0}.cards,.steps,.two-col,.footer-grid{grid-template-columns:1fr;gap:18px}.card{padding:24px}.steps{gap:24px}.actions{gap:12px}.actions .button{width:100%}.actions .text-link{font-size:14px}.section-heading{display:block}.section-heading .text-link{margin-top:12px}.quote-section{gap:12px}form{padding:21px 17px}.form-grid{grid-template-columns:1fr;gap:16px}label{font-size:14px}.full{grid-column:auto}legend,fieldset h3{font-size:19px}#global-submit{width:100%;font-size:15px}.note{padding:23px}.download .button{width:100%}footer{padding:38px 0 110px}.footer-grid{gap:32px}.mobile-actions{display:grid;grid-template-columns:1fr 1fr;position:fixed;bottom:0;left:0;right:0;background:white;border-top:1px solid var(--border);gap:10px;padding:10px 18px calc(10px + env(safe-area-inset-bottom));z-index:3}.mobile-actions a{min-height:44px;display:grid;place-items:center;font-size:14px;font-weight:700;text-decoration:none;border-radius:7px;border:1px solid var(--teal)}.mobile-actions a:first-child{background:var(--teal);color:white}th,td{padding:12px}h2{font-size:28px}}@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition:none!important;animation:none!important}}
@media(max-width:650px){.header-row nav>a{min-height:44px}html{scroll-padding-bottom:100px}input,select,textarea,button,summary{scroll-margin-bottom:100px}}

/* Keep the helper copy readable above its decorative ring. */
.hero-note > * { position: relative; z-index: 1; }
.hero-note::after { z-index: 0; }
@media (max-width:650px) {
  .hero-note h2 br { display: initial; }
}