:root{--color-navy:#16303f;--color-navy-light:#24475a;--color-teal:#0f7a72;--color-teal-dark:#0b5f59;--color-bg:#f7f9fa;--color-surface:#fff;--color-border:#dde4e8;--color-text:#1f2d33;--color-text-muted:#5c6b73;--color-amber:#92620b;--color-amber-bg:#fdf3e0;--color-amber-border:#f0d9a6;--color-green:#226951;--color-green-bg:#eaf5ef;--color-green-border:#bfe2cf;--radius:10px;--max-width:1120px;--shadow-sm:0 1px 2px #16303f0f;--shadow-md:0 4px 16px #16303f14}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{background:var(--color-bg);color:var(--color-text);margin:0;font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica,Arial,sans-serif;font-size:16px;line-height:1.55}h1,h2,h3,h4{color:var(--color-navy);margin:0 0 .6em;font-weight:700;line-height:1.2}h1{font-size:clamp(1.8rem,4vw,2.6rem)}h2{font-size:clamp(1.4rem,3vw,1.9rem)}h3{font-size:1.15rem}p{margin:0 0 1em}a{color:var(--color-teal-dark)}a:hover{color:var(--color-teal)}.container{max-width:var(--max-width);margin:0 auto;padding:0 20px}.section{padding:56px 0}.section--tight{padding:32px 0}.section--alt{background:var(--color-surface);border-top:1px solid var(--color-border);border-bottom:1px solid var(--color-border)}.eyebrow{text-transform:uppercase;letter-spacing:.08em;color:var(--color-teal-dark);margin:0 0 .5em;font-size:.78rem;font-weight:700}.lede{color:var(--color-text-muted);max-width:62ch;font-size:1.1rem}.btn{border-radius:var(--radius);cursor:pointer;border:1px solid #0000;justify-content:center;align-items:center;gap:8px;padding:13px 24px;font-size:1rem;font-weight:600;text-decoration:none;transition:background .15s,border-color .15s,color .15s;display:inline-flex}.btn-primary{background:var(--color-teal);color:#fff}.btn-primary:hover{background:var(--color-teal-dark);color:#fff}.btn-secondary{color:var(--color-navy);border-color:var(--color-border);background:0 0}.btn-secondary:hover{border-color:var(--color-navy);color:var(--color-navy)}.btn-block{width:100%}.btn-row{flex-wrap:wrap;gap:12px;margin-top:1.5em;display:flex}.card{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius);box-shadow:var(--shadow-sm);padding:24px}.card-grid{grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;margin-top:24px;display:grid}.callout{border-radius:var(--radius);border:1px solid var(--color-border);background:var(--color-surface);padding:18px 20px}.callout--notice{background:var(--color-amber-bg);border-color:var(--color-amber-border);color:#4a3407}.callout--notice h3,.callout--notice strong{color:#4a3407}.disclaimer{color:var(--color-text-muted);font-size:.92rem}.site-header{background:var(--color-surface);border-bottom:1px solid var(--color-border);z-index:20;position:sticky;top:0}.site-header__inner{max-width:var(--max-width);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:10px 16px;margin:0 auto;padding:14px 16px;display:flex}.brand{color:var(--color-navy);align-items:center;gap:8px;font-size:1.15rem;font-weight:800;text-decoration:none;display:flex}.brand:hover{color:var(--color-navy)}.brand__mark{background:var(--color-teal);color:#fff;border-radius:8px;justify-content:center;align-items:center;width:30px;height:30px;font-size:.95rem;display:inline-flex}.main-nav{align-items:center;gap:22px;display:none}.main-nav a{color:var(--color-text);font-size:.95rem;font-weight:500;text-decoration:none}.main-nav a:hover{color:var(--color-teal-dark)}.header-actions{align-items:center;gap:10px;display:flex}.header-cta{padding:10px 14px;font-size:.92rem}.nav-toggle{position:relative}.nav-toggle__button{cursor:pointer;border:1px solid var(--color-border);color:var(--color-navy);border-radius:8px;justify-content:center;align-items:center;padding:10px 14px;font-size:.9rem;font-weight:600;list-style:none;display:flex}.nav-toggle__button::-webkit-details-marker{display:none}.nav-toggle__panel{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius);box-shadow:var(--shadow-md);z-index:30;flex-direction:column;gap:4px;min-width:220px;padding:10px;display:flex;position:absolute;top:calc(100% + 8px);right:0}.nav-toggle__panel a{color:var(--color-text);border-radius:6px;padding:9px 10px;font-size:.95rem;font-weight:500;text-decoration:none}.nav-toggle__panel a:hover{background:var(--color-bg);color:var(--color-teal-dark)}@media (width>=760px){.main-nav{display:flex}.header-cta{padding:13px 24px;font-size:1rem}.nav-toggle{display:none}}.site-footer{background:var(--color-navy);color:#cfe0e6;margin-top:64px;padding:44px 0 28px}.site-footer a{color:#eaf3f5}.site-footer a:hover{color:#fff}.footer-grid{grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:28px;margin-bottom:28px;display:grid}.footer-grid h4{color:#fff;text-transform:uppercase;letter-spacing:.06em;margin-bottom:.8em;font-size:.9rem}.footer-grid ul{flex-direction:column;gap:8px;margin:0;padding:0;font-size:.92rem;list-style:none;display:flex}.footer-legal{color:#9fb6bd;border-top:1px solid #ffffff26;padding-top:20px;font-size:.82rem;line-height:1.6}.form-section{margin-bottom:32px}.form-section h2{margin-bottom:4px}.form-section__hint{color:var(--color-text-muted);margin-bottom:1.2em;font-size:.92rem}.field-grid{grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;display:grid}.field{flex-direction:column;gap:6px;margin-bottom:16px;display:flex}.field label{color:var(--color-navy);font-size:.92rem;font-weight:600}.field .field__optional{color:var(--color-text-muted);font-weight:400}.field input,.field select,.field textarea{font:inherit;border:1px solid var(--color-border);color:var(--color-text);background:#fff;border-radius:8px;padding:11px 12px}.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--color-teal);outline-offset:1px}.field textarea{resize:vertical;min-height:96px}.charge-row{background:var(--color-surface);border:1px solid var(--color-border);border-radius:8px;grid-template-columns:1.2fr 1.6fr .9fr auto;align-items:end;gap:10px;margin-bottom:12px;padding:14px;display:grid}.charge-row .field{margin-bottom:0}.charge-row__remove{border:1px solid var(--color-border);color:var(--color-text-muted);cursor:pointer;background:0 0;border-radius:8px;width:44px;height:44px;font-size:1.1rem;line-height:1}.charge-row__remove:hover{color:#c0392b;border-color:#c0392b}@media (width<=680px){.charge-row{grid-template-columns:1fr 1fr}.charge-row__remove{justify-self:start}}.total-figure{color:var(--color-navy);margin:.2em 0;font-size:clamp(2.2rem,6vw,3.2rem);font-weight:800}.status-pill{border-radius:999px;align-items:center;gap:6px;padding:4px 12px;font-size:.82rem;font-weight:700;display:inline-flex}.status-pill--review{background:var(--color-amber-bg);color:var(--color-amber);border:1px solid var(--color-amber-border)}.status-pill--none{background:var(--color-green-bg);color:var(--color-green);border:1px solid var(--color-green-border)}.breakdown-row{border-bottom:1px solid var(--color-border);justify-content:space-between;align-items:center;gap:12px;padding:16px 0;display:flex}.breakdown-row:last-child{border-bottom:none}.breakdown-row__amount{color:var(--color-navy);white-space:nowrap;font-size:1.1rem;font-weight:700}.checklist{flex-direction:column;gap:10px;margin:0;padding:0;list-style:none;display:flex}.checklist li{align-items:flex-start;gap:10px;display:flex}.checklist li:before{content:"✓";background:var(--color-green-bg);width:22px;height:22px;color:var(--color-green);border-radius:6px;flex-shrink:0;justify-content:center;align-items:center;margin-top:2px;font-size:.8rem;font-weight:700;display:flex}.breadcrumbs{color:var(--color-text-muted);margin-bottom:18px;font-size:.85rem}.breadcrumbs a{color:var(--color-text-muted)}.breadcrumbs a:hover{color:var(--color-teal-dark)}.skip-link{background:var(--color-navy);color:#fff;z-index:100;border-radius:6px;padding:10px 16px;position:absolute;top:auto;left:-999px}.skip-link:focus{top:16px;left:16px}.table-simple{border-collapse:collapse;width:100%;margin:1.2em 0;font-size:.95rem}.table-simple th,.table-simple td{text-align:left;border-bottom:1px solid var(--color-border);padding:10px 12px}.table-simple th{background:var(--color-surface);color:var(--color-navy)}.hero{background:linear-gradient(180deg, #eef4f5 0%, var(--color-bg) 100%);border-bottom:1px solid var(--color-border);padding:64px 0 48px}.hero__grid{align-items:center;gap:32px;display:grid}@media (width>=860px){.hero__grid{grid-template-columns:1.1fr .9fr}}.step-list{gap:20px;margin-top:24px;display:grid}@media (width>=700px){.step-list{grid-template-columns:repeat(3,1fr)}}.step{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius);padding:22px}.step__number{background:var(--color-navy);color:#fff;border-radius:999px;justify-content:center;align-items:center;width:32px;height:32px;margin-bottom:12px;font-weight:700;display:inline-flex}.js-only{display:none}