:root{--bg:#f4f6f8;--fg:#13294b;--muted:#3e5168;--line:#d5dce4;--card:#fff;--accent:#c8102e;--accent-fg:#fff;--warn:#9b1230;--note:#e7edf3;--navy:#13294b;--red:#c8102e}@media (prefers-color-scheme:dark){:root{--bg:#0e1c33;--fg:#f4f6f8;--muted:#d5dee8;--line:#3a5274;--card:#1a3050;--accent:#ff8b9a;--accent-fg:#13294b;--warn:#ffb3be;--note:#243a5c;--navy:#f4f6f8;--red:#ff8b9a}}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{background:var(--bg);color:var(--fg);margin:0;font:17px/1.6 system-ui,-apple-system,Segoe UI,Roboto,sans-serif}.site{flex-direction:column;min-height:100vh;display:flex}.stripes{background:linear-gradient(90deg,#c8102e 0 33.33%,#fff 33.33% 66.66%,#13294b 66.66% 100%);height:6px}.bar,.foot{width:100%}.bar{z-index:2;background:#fff;border-bottom:1px solid #d5dce4;position:sticky;top:0}.bar-inner,.foot-inner{max-width:72rem;margin:0 auto;padding:.75rem 1.25rem}.bar-inner{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:.75rem 1.25rem;display:flex}.bar nav{flex-wrap:wrap;align-items:center;gap:.35rem 1rem;min-width:0;display:flex}.bar nav a{color:#13294b;font-weight:700;text-decoration:none}.bar nav a.button{color:#fff;background:#c8102e;margin-top:0}.brand{overflow-wrap:anywhere;color:#13294b;align-items:center;text-decoration:none;display:flex}.brand img{width:auto;height:48px;display:block}main{flex:1;width:100%;max-width:46rem;margin:0 auto;padding:1.75rem 1.25rem 3rem}a{color:var(--accent)}.skip{position:absolute;left:-999px}.skip:focus{background:var(--card);color:var(--fg);z-index:3;padding:.5rem;top:1rem;left:1rem}h1{letter-spacing:-.03em;margin:.25rem 0 .6rem;font-size:2.15rem;line-height:1.12}h2{margin:0 0 .5rem;font-size:1.25rem;line-height:1.25}.lede{margin-top:0;font-size:1.15rem}.hero{margin-bottom:.5rem}.eyebrow{letter-spacing:.04em;text-transform:uppercase;color:var(--muted);margin:0;font-size:.8rem;font-weight:700}.eyebrow:before{content:"★ ";color:var(--accent)}.actions{flex-wrap:wrap;align-items:center;gap:.75rem;margin:1rem 0 .75rem;display:flex}.fine{color:var(--muted);font-size:.95rem}.card{background:var(--card);border:1px solid var(--line);border-radius:12px;margin:1.25rem 0;padding:1rem 1.1rem}.form label{margin:.85rem 0 .25rem;font-weight:700;display:block}.form input[type=text],.form input[type=email],.form input[type=tel],.form input[type=date],.form select,.form textarea{width:100%;font:inherit;border:1px solid var(--line);background:var(--bg);min-height:44px;color:var(--fg);border-radius:8px;padding:.65rem .7rem}.form .check{align-items:flex-start;gap:.6rem;margin-top:1rem;display:flex}.form .check input{flex:none;width:1.4rem;height:1.4rem;margin-top:.2rem}.form .check label{margin:0;font-weight:400}button,.button{min-height:44px;font:inherit;background:var(--accent);color:var(--accent-fg);cursor:pointer;border:2px solid #0000;border-radius:10px;justify-content:center;align-items:center;margin-top:1rem;padding:.7rem 1.15rem;font-weight:700;text-decoration:none;display:inline-flex}.button-ghost{color:var(--fg);border-color:var(--fg);background:0 0}.hero .button{min-height:52px;margin-top:0;padding:.85rem 1.35rem;font-size:1.08rem}:focus-visible{outline:3px solid var(--accent);outline-offset:2px}.hint,.fine{color:var(--muted)}.hint{margin:.35rem 0 0;font-size:.92rem}.error{color:var(--warn);font-weight:700}.hp{height:0;position:absolute;left:-9999px;overflow:hidden}.disclaimers{background:var(--note);border:1px solid var(--line);border-radius:12px;padding:.75rem 1rem;font-size:.92rem}.disclaimers h2{font-size:1rem}.disclaimers ul{margin:.35rem 0 0;padding-left:1.1rem}.foot{background:var(--note);border-top:1px solid var(--line)}.foot p{color:var(--muted);margin:.35rem 0;font-size:.9rem}.foot p:first-child{color:var(--fg)}.spots{border-left:6px solid #c8102e;min-height:3.4rem;font-size:1.35rem;font-weight:800;line-height:1.3}.share p{overflow-wrap:anywhere}.share{background:var(--note);border:1px solid var(--line);border-radius:12px;margin:1rem 0;padding:.9rem 1rem}.icon-steps{gap:.75rem;margin:.5rem 0 1.5rem;padding:0;list-style:none;display:grid}.icon-steps li{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:.85rem .9rem 1rem;font-weight:700;line-height:1.35}.num{color:#fff;background:#13294b;border-radius:999px;place-items:center;width:2rem;height:2rem;margin-bottom:.45rem;font-size:.95rem;display:grid}.icon-steps li:last-child .num{background:#c8102e}#form{scroll-margin-top:5.5rem}.form fieldset.radios{border:0;margin:.9rem 0 0;padding:0}.form fieldset.radios legend{margin-bottom:.25rem;font-weight:700}.form label.radio{align-items:center;gap:.4rem;min-height:44px;margin:0 1.2rem 0 0;font-weight:400;display:inline-flex}.form label.radio input{width:1.3rem;height:1.3rem}.draft-banner{background:var(--note);border:1px solid var(--line);border-left:4px solid var(--warn);border-radius:8px;padding:.6rem .8rem;font-weight:700}.toc ul,.steps{padding-left:1.2rem}.findings li{margin-bottom:.6rem}.tag{border:1px solid var(--line);color:var(--muted);border-radius:999px;padding:.1rem .5rem;font-size:.8rem;display:inline-block}.faq{border-bottom:1px solid var(--line);padding:.15rem 0}.faq summary{cursor:pointer;align-items:center;min-height:44px;font-weight:700;display:flex}.faq p{margin:.15rem 0 .7rem}.visually-hidden{clip:rect(0 0 0 0);white-space:nowrap;width:1px;height:1px;position:absolute;overflow:hidden}.share-box{width:100%;font:inherit;border:1px solid var(--line);background:var(--bg);color:var(--fg);border-radius:8px;padding:.65rem}.print-only{display:none}.glossary{margin:1rem 0}.glossary-item{border-bottom:1px solid var(--line);padding:.6rem 0}.glossary dt{scroll-margin-top:5rem;font-weight:700}.glossary dd{margin:.2rem 0 0}.crumbs ol{color:var(--muted);flex-wrap:wrap;gap:.35rem;margin:0 0 .8rem;padding:0;font-size:.92rem;list-style:none;display:flex}.crumbs li:not(:last-child):after{content:"/";margin-left:.35rem}.summary,.post .prose{max-width:40rem}.summary{border-left:3px solid var(--accent);padding-left:.8rem}.post{max-width:40rem}.post-grid{grid-template-columns:1fr;gap:.85rem;margin:1rem 0 0;padding:0;list-style:none;display:grid}.post-card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:.9rem 1rem 1rem}.post-card h2{margin-bottom:.35rem;font-size:1.08rem}.post-card p:last-child{margin-bottom:0}.prose h2,.prose h3{scroll-margin-top:5rem}.takeaways{border:1px solid var(--line);background:var(--card);border-radius:12px;margin:1rem 0;padding:.2rem 1rem .4rem}.takeaways h2{font-size:1.05rem}.table-wrap{margin:1rem 0;overflow-x:auto}.prose table{border-collapse:collapse;width:100%;font-size:.95rem}.prose th,.prose td{border:1px solid var(--line);text-align:left;vertical-align:top;padding:.4rem .55rem}.sources{padding-left:1.1rem}@media (min-width:40rem){h1{font-size:3.15rem}.brand img{height:56px}.icon-steps{grid-template-columns:repeat(3,1fr)}.post-grid{grid-template-columns:1fr 1fr}}@media (prefers-reduced-motion:reduce){*,:before,:after{scroll-behavior:auto!important;transition:none!important;animation:none!important}}@media (forced-colors:active){button,.button{border:2px solid buttontext}:focus-visible{outline:3px solid highlight}}@media print{.skip,.stripes,.bar,.no-print,.foot p,.foot .disclaimers,button,.button{display:none!important}.print-only{display:block}body{color:#000;background:#fff;font-size:12pt}.card,.disclaimers{break-inside:avoid;background:#fff;border:1px solid #000}.foot,main,.bar-inner,.foot-inner{max-width:none}a{color:#000;text-decoration:underline}}.site:has(.landing) main{max-width:100%;padding:0}.landing{color:#13294b;background:#fff}.landing-hero{grid-template-columns:minmax(0,1.15fr) minmax(300px,.85fr);align-items:center;gap:clamp(2rem,5vw,5rem);max-width:1180px;margin:auto;padding:clamp(3rem,6vw,6.5rem) 1.5rem;display:grid}.landing-kicker,.landing-section-label{letter-spacing:.13em;color:#a51e35;text-transform:uppercase;font-size:.77rem;font-weight:800}.landing-kicker span{margin-right:.5rem}.landing-hero h1{letter-spacing:-.048em;max-width:740px;margin:1rem 0 1.4rem;font-size:clamp(2.6rem,4.7vw,4.7rem);line-height:1.08}.landing-hero h1 span{color:#bb2038}.landing-lede{color:#46566c;max-width:600px;font-size:clamp(1.05rem,1.45vw,1.2rem);line-height:1.75}.landing-actions{flex-wrap:wrap;align-items:center;gap:1.25rem;margin-top:1.8rem;display:flex}.landing-primary{color:#fff;background:#bd2039;border-radius:6px;margin:0;padding:.9rem 1.35rem}.landing-secondary{color:#13294b;font-weight:750;text-decoration:none}.landing-secondary:hover{text-decoration:underline}.landing-assurance{color:#607088;margin-top:1rem;font-size:.83rem}.landing-hero-panel{background:#f6f8fb;border:1px solid #e0e5ec;border-radius:16px;overflow:hidden;box-shadow:0 22px 65px #13294b21}.landing-panel-top{color:#fff;letter-spacing:.11em;background:#13294b;align-items:center;gap:.8rem;padding:1.15rem 1.5rem;font-size:.72rem;font-weight:800;display:flex}.landing-panel-star{color:#fff;font-size:1.4rem}.landing-panel-body{padding:clamp(1.5rem,3vw,2.6rem)}.landing-panel-heading{letter-spacing:-.03em;font-size:1.7rem;font-weight:800}.landing-panel-body>p{color:#5b6980;margin:.4rem 0 1.6rem}.landing-step{background:#fff;border:1px solid #e0e6ee;border-radius:8px;align-items:center;gap:.85rem;margin:.7rem 0;padding:.95rem;font-size:.95rem;font-weight:700;display:flex}.landing-step-icon{color:#1b7550;background:#e8f1ed;border-radius:50%;flex-shrink:0;place-items:center;width:1.7rem;height:1.7rem;display:grid}.landing-panel-note{color:#526177;padding-top:1rem;font-size:.75rem}.landing-benefits{background:#f5f7fa;padding:4.5rem max(1.5rem,50vw - 590px)}.landing-benefits h2,.landing-signup h2{letter-spacing:-.035em;margin:.65rem 0 1.8rem;font-size:clamp(2rem,3vw,3rem);line-height:1.18}.landing-benefit-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:1.2rem;display:grid}.landing-benefit{background:#fff;border:1px solid #e0e5ec;border-radius:10px;padding:1.65rem}.landing-benefit-number{color:#bb2038;font-size:.85rem;font-weight:800}.landing-benefit h3{margin:1.2rem 0 .45rem;font-size:1.2rem}.landing-benefit p{color:#526279;margin:0;font-size:.96rem}.landing-signup{grid-template-columns:1fr 1fr;align-items:start;gap:clamp(2rem,6vw,6rem);max-width:1180px;margin:auto;padding:4.5rem 1.5rem;display:grid}.landing-signup-copy>p:not(.landing-section-label){color:#526279;max-width:450px}.landing-signup-small{font-size:.95rem}.landing-signup .form{margin:0;box-shadow:0 15px 40px #13294b14}.landing-signup .form button{width:100%}.landing-disclosure{color:#46566c;background:#edf1f6;padding:2rem max(1.5rem,50vw - 590px);font-size:.85rem}.landing-disclosure strong{color:#13294b}.landing-disclosure p{max-width:950px}@media (max-width:800px){.landing-hero,.landing-signup{grid-template-columns:1fr}.landing-hero{padding-top:2.5rem}.landing-hero-panel{max-width:560px}.landing-benefit-grid{grid-template-columns:1fr}.landing-benefits,.landing-signup{padding-top:3rem;padding-bottom:3rem}}.landing-signup .form{color:#13294b;background:#fff;border-color:#d5dce4}.landing-signup .form h2,.landing-signup .form label{color:#13294b}.landing-signup .form .hint{color:#42536a}.landing-signup .form input[type=email],.landing-signup .form input[type=tel]{color:#13294b;background:#fff;border-color:#9aaabd}.landing-signup .form input[type=checkbox]{accent-color:#b91f38}.landing-signup .form a{color:#a31832}.landing-signup .form button{color:#fff;background:#b91f38;border-color:#b91f38;font-weight:800}.landing-signup .form button:hover{background:#91152b}.landing-attorney,.landing-compare,.landing-process,.landing-early,.landing-faq{color:#13294b;padding:4rem max(1.5rem,50vw - 590px)}.landing-attorney{background:#fff;border-top:1px solid #e0e5ec}.landing-attorney h2,.landing-compare h2,.landing-process h2,.landing-early h2,.landing-faq h2{letter-spacing:-.03em;max-width:850px;margin:.6rem 0 1.3rem;font-size:clamp(1.8rem,3vw,2.7rem);line-height:1.2}.landing-attorney>p:not(.landing-section-label),.landing-early>p:not(.landing-section-label){color:#34465e;max-width:850px;font-size:1.07rem}.landing-attorney .landing-attorney-line{font-weight:850;color:#b51f39!important;font-size:1.35rem!important}.landing-caveat{max-width:850px;color:#526177!important;font-size:.85rem!important}.landing-compare{background:#fff}.landing-compare-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:1.2rem;display:grid}.landing-compare-grid article{background:#f4f6f9;border:1px solid #dce3eb;border-radius:12px;padding:1.8rem}.landing-compare-grid .landing-compare-highlight{background:#f2f6fc;border-color:#bb2038 #aabed6 #aabed6;border-top-style:solid;border-top-width:5px}.landing-compare-tag{letter-spacing:.09em;color:#a51e35;font-size:.75rem;font-weight:850}.landing-compare-grid h3{margin:.8rem 0;font-size:1.3rem;line-height:1.3}.landing-compare-grid p,.landing-process-grid p{color:#44546b}.landing-process{background:#f5f7fa}.landing-process-grid{grid-template-columns:repeat(5,minmax(0,1fr));gap:1rem;margin:1.5rem 0 0;padding:0;list-style:none;display:grid}.landing-process-grid li{background:#fff;border:1px solid #dce3eb;border-radius:10px;padding:1.3rem}.landing-process-grid li>span{color:#fff;background:#13294b;border-radius:50%;place-items:center;width:2rem;height:2rem;font-weight:800;display:grid}.landing-process-grid h3{font-size:1.08rem;line-height:1.3}.landing-process-grid p{font-size:.91rem}.landing-early{background:#edf3fa;border-top:1px solid #dce3eb}.landing-early a{color:#9f1c35;font-weight:750}.landing-faq{background:#fff}.landing-faq details{border-bottom:1px solid #dce3eb;max-width:900px;padding:1rem 0}.landing-faq summary{cursor:pointer;font-size:1.05rem;font-weight:750}.landing-faq details p{color:#42536a;max-width:780px}@media (max-width:900px){.landing-process-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:600px){.landing-attorney,.landing-compare,.landing-process,.landing-early,.landing-faq{padding:3rem 1.5rem}.landing-compare-grid,.landing-process-grid{grid-template-columns:1fr}}