:root{--navy:#083b64;--navy2:#062b49;--blue:#0b68a8;--red:#a51f3d;--red2:#87162f;--ink:#142330;--muted:#516475;--line:#d5e0e8;--soft:#f2f7fa;--white:#fff;--gold:#f2c14e;--shadow:0 18px 45px rgba(8,59,100,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:17px;line-height:1.62;background:#fff}a{color:var(--blue);text-underline-offset:3px}a:hover{text-decoration-thickness:2px}img{max-width:100%;height:auto}h1,h2,h3{color:var(--navy2);line-height:1.12;margin:0 0 .65rem}h1{font-size:clamp(2.3rem,5vw,4.8rem);letter-spacing:-.04em}h2{font-size:clamp(1.9rem,3.2vw,3.1rem);letter-spacing:-.025em}h3{font-size:1.3rem}p{margin:.5rem 0 1.1rem}.shell{width:min(1180px,calc(100% - 40px));margin:auto}.skip{position:fixed;left:12px;top:-100px;z-index:9999;background:#fff;color:#000;padding:10px 16px}.skip:focus{top:12px}.utility{background:var(--navy2);color:#fff;font-size:.78rem}.utility .shell{display:flex;justify-content:space-between;gap:20px;padding:7px 0}.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.98);box-shadow:0 2px 16px 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.75fr;align-items:center;gap:70px;padding:70px 0}.eyebrow{color:var(--red);font-size:.78rem;font-weight:800;letter-spacing:.13em;text-transform:uppercase}.lede{font-size:1.18rem;color:var(--muted);max-width:760px}.identity{font-size:1.08rem}.identity b{color:var(--navy)}.hero-photo{position:relative;display:grid;place-items:center}.hero-photo:before{content:"";position:absolute;width:360px;height:360px;border-radius:50%;background:var(--red);box-shadow:0 0 0 14px #fff,0 0 0 18px var(--navy)}.hero-photo img{position:relative;width:330px;height:330px;object-fit:cover;border-radius:50%;z-index:1}.service-strip{background:var(--navy);color:#fff;text-align:center;font-weight:700;padding:15px}.section{padding:82px 0}.section.soft{background:var(--soft)}.section.dark{background:var(--navy2);color:#fff}.section.dark h2,.section.dark h3,.section.dark a{color:#fff}.heading{display:grid;grid-template-columns:1fr .8fr;gap:50px;align-items:end;margin-bottom:34px}.heading>p{color:var(--muted)}.decision-grid,.cards{display:grid;gap:20px}.decision-grid{grid-template-columns:1fr 1fr}.cards.four{grid-template-columns:repeat(4,1fr)}.cards.three{grid-template-columns:repeat(3,1fr)}.card{display:block;background:#fff;border:1px solid var(--line);border-top:5px solid var(--navy);border-radius:8px;padding:26px;color:var(--ink);text-decoration:none;box-shadow:0 8px 25px rgba(8,59,100,.06)}.card:hover,.card:focus{transform:translateY(-3px);box-shadow:var(--shadow);border-top-color:var(--red)}.card p{color:var(--muted)}.card b{color:var(--red)}.decision{padding:36px;border-top-color:var(--red)}.decision .icon{display:grid;place-items:center;width:54px;height:54px;border-radius:50%;background:var(--soft);color:var(--navy);font-size:1.5rem;font-weight:900}.two{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}.three-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:steps}.step{position:relative;background:#fff;border:1px solid var(--line);padding:28px;border-radius:8px}.step:before{counter-increment:steps;content:counter(steps);display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--red);color:#fff;font-weight:800;margin-bottom:16px}.resource-band{display:grid;grid-template-columns:1fr 1fr;gap:20px}.resource-band article{border:1px solid var(--line);background:#fff;padding:28px;border-radius:8px}.credentials{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;margin-top:26px}.credential{background:#fff;border:1px solid var(--line);border-radius:7px;padding:18px;text-align:center;font-weight:700;color:var(--navy)}.portrait-small{display:grid;grid-template-columns:170px 1fr;gap:28px;align-items:center}.portrait-small img{width:170px;height:170px;object-fit:cover;border-radius:50%;border:7px solid var(--red);outline:3px solid var(--navy)}.callout{padding:32px;background:#fff;border:1px solid var(--line);border-left:7px solid var(--red);border-radius:8px}.crosslink{padding:36px;text-align:center;background:#fff;border:1px solid var(--line);border-radius:8px}.pagehero{background:linear-gradient(115deg,#edf6fb,#fff);padding:70px 0;border-bottom:1px solid var(--line)}.pagehero h1{font-size:clamp(2.4rem,4.4vw,4rem)}.content{max-width:880px}.content h2{font-size:1.8rem;margin-top:2.4rem}.content h3{margin-top:1.8rem}.content li{margin-bottom:.5rem}.source-note{font-size:.92rem;color:var(--muted);border-top:1px solid var(--line);padding-top:16px}.contact{display:grid;grid-template-columns:.72fr 1.28fr;gap:44px;align-items:start}.contactaside{background:var(--navy2);color:#fff;border-radius:8px;padding:32px}.contactaside h2,.contactaside a{color:#fff}.detail{padding:16px 0;border-bottom:1px solid rgba(255,255,255,.2)}.detail small{display:block;color:#c9dbe7;text-transform:uppercase;letter-spacing:.08em}.detail a{font-size:1.05rem;font-weight:700}.form{border:1px solid var(--line);border-radius:8px;padding:32px;background:#fff}.formgrid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.field.full{grid-column:1/-1}.field label{display:block;font-weight:700;margin-bottom:6px}.field input,.field select,.field textarea{width:100%;font:inherit;border:1px solid #94a8b7;border-radius:5px;padding:11px;background:#fff;color:var(--ink)}.field textarea{min-height:150px;resize:vertical}.field input:focus,.field select:focus,.field textarea:focus{outline:3px solid rgba(11,104,168,.22);border-color:var(--blue)}.field [aria-invalid=true]{border-color:#b00020}.field-help,.field-error{font-size:.82rem;margin:.3rem 0 0}.field-help{color:var(--muted)}.field-error{color:#a00018;font-weight:700}.check{display:grid!important;grid-template-columns:auto 1fr;gap:10px;align-items:start}.check input{width:auto;margin-top:6px}.notice{padding:14px 16px;margin:16px 0;border-radius:5px}.notice.success{background:#e8f6ed;color:#175b32}.notice.error{background:#fdebec;color:#8a162a}.hp{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}.site-footer{background:#061f35;color:#d6e2ea;padding:58px 0 96px}.site-footer a{color:#fff}.site-footer h2{color:#fff;font-size:1.05rem}.footer-grid{display:grid;grid-template-columns:1.3fr .8fr .7fr;gap:45px}.footer-brand{color:#fff}.disclosures{border-top:1px solid rgba(255,255,255,.2);margin-top:35px;padding-top:24px;font-size:.78rem;line-height:1.5;color:#bed0dc}.mobile-bar{display:none}.legal-alert{background:#fff5dc;border:1px solid #e8cd80;border-radius:7px;padding:17px}.source-list a{word-break:break-word}
@media(max-width:1050px){.header-actions{display:none}.site-header nav ul{gap:11px}.site-header nav a{font-size:.77rem}.cards.four{grid-template-columns:1fr 1fr}.credentials{grid-template-columns:repeat(3,1fr)}}
@media(max-width:820px){body{font-size:16px;padding-bottom:64px}.utility{display:none}.header-main{min-height:74px}.menu-toggle{display:block;margin-left:auto;border:2px solid var(--navy);background:#fff;color:var(--navy);padding:8px 12px;border-radius:4px;font-weight:800}.site-header nav{display:none;position:absolute;left:0;right:0;top:74px;background:#fff;border-top:1px solid var(--line);box-shadow:0 12px 20px rgba(0,0,0,.12)}.site-header nav.open{display:block}.site-header nav ul{display:block;padding:14px 20px}.site-header nav li{border-bottom:1px solid var(--line)}.site-header nav a{display:block;padding:12px;font-size:.95rem}.hero-grid,.two,.heading,.contact{grid-template-columns:1fr}.hero-grid{padding:50px 0;gap:42px}.hero-photo:before{width:270px;height:270px}.hero-photo img{width:250px;height:250px}.section{padding:58px 0}.decision-grid,.cards.three,.three-steps,.resource-band{grid-template-columns:1fr}.credentials{grid-template-columns:1fr 1fr}.portrait-small{grid-template-columns:1fr;text-align:center}.portrait-small img{margin:auto}.formgrid{grid-template-columns:1fr}.mobile-bar{position:fixed;z-index:200;bottom:0;left:0;right:0;display:grid;grid-template-columns:repeat(3,1fr);background:var(--red);box-shadow:0 -3px 16px rgba(0,0,0,.2)}.mobile-bar a{color:#fff;text-transform:uppercase;text-decoration:none;text-align:center;font-size:.82rem;font-weight:800;padding:17px 8px;border-right:1px solid rgba(255,255,255,.35)}.footer-grid{grid-template-columns:1fr 1fr}.site-footer{padding-bottom:80px}}
@media(max-width:520px){.shell{width:min(100% - 26px,1180px)}h1{font-size:2.35rem}.cards.four,.credentials,.footer-grid{grid-template-columns:1fr}.form{padding:22px}.decision{padding:26px}.brand-mark{width:42px;height:42px}.hero-photo:before{width:235px;height:235px}.hero-photo img{width:220px;height:220px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}.card:hover,.card:focus{transform:none}}
.tpmo-banner{background:#fff5dc;border-bottom:1px solid #e8cd80;color:#3f3212;font-size:1rem;line-height:1.45;padding:12px 0}.disclosures .tpmo-disclaimer{font-size:1rem;color:#fff}.phone-large{font-size:2rem;font-weight:800}