/* Start Sorted: shared styles. Mobile-first, system fonts, no build step. */
:root{--ink:#14263a;--soft:#4a5d70;--brand:#14385c;--brand2:#1d5285;--sun:#f5b83d;--sunbg:#fff6e0;--sunline:#f0d79a;--mint:#eaf3fb;--line:#d6e2ee;--ok:#1f7a55;--focus:#b5470b;--r:14px;--sh:0 1px 2px rgba(20,38,58,.06),0 8px 24px rgba(20,38,58,.08);--font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;font-family:var(--font);font-size:1.0625rem;line-height:1.65;color:var(--ink);background:#fff}
img,svg{max-width:100%;height:auto}
h1,h2,h3{line-height:1.2;margin:0 0 .5em;letter-spacing:-.01em;color:var(--brand)}
h1{font-size:clamp(1.9rem,5.2vw,2.9rem)}h2{font-size:clamp(1.4rem,3.4vw,1.9rem);margin-top:1.7em}h3{font-size:1.15rem;margin-top:1.2em}
p,ul,ol{margin:0 0 1em}
a{color:var(--brand2);text-underline-offset:3px}a:hover{color:var(--brand)}
:focus-visible{outline:3px solid var(--focus);outline-offset:3px;border-radius:4px}
#main:focus{outline:none}[id]{scroll-margin-top:84px}
code{background:var(--mint);padding:.05em .35em;border-radius:5px;font-size:.92em}
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.skip-link{position:absolute;left:1rem;top:-100px;z-index:100;background:var(--ink);color:#fff;padding:.6rem 1rem;border-radius:8px;font-weight:600}
.skip-link:focus{top:1rem;color:#fff}
.container{width:100%;max-width:1120px;margin:0 auto;padding:0 1.25rem}
.narrow{max-width:820px}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:64px;flex-wrap:wrap}
.brand{display:inline-flex;align-items:center;gap:.55rem;font-weight:800;font-size:1.2rem;color:var(--brand);text-decoration:none;min-height:44px}
.brand img{width:32px;height:32px}
.nav-toggle{display:inline-flex;align-items:center;gap:.5rem;min-height:44px;font:inherit;font-weight:600;color:var(--ink);background:transparent;border:2px solid var(--line);border-radius:10px;padding:.4rem .8rem;cursor:pointer}
.site-nav{display:none;width:100%}.site-nav.is-open{display:block}
.site-nav ul{list-style:none;margin:0;padding:.5rem 0 1rem}
.site-nav a{display:flex;align-items:center;min-height:44px;padding:.45rem .25rem;font-weight:600;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--mint);font-size:.98rem}
.site-nav a[aria-current]{color:var(--brand2);text-decoration:underline;text-decoration-thickness:2px}
.no-js .nav-toggle{display:none}.no-js .site-nav{display:block}
@media (min-width:1180px){.nav-toggle{display:none}.site-nav,.no-js .site-nav{display:block;width:auto}.site-nav ul{display:flex;gap:.1rem;padding:0}.site-nav a{border:0;padding:.4rem .5rem;font-size:.9rem}}
/* disclosure strip */
.disc-strip{background:var(--sunbg);border-bottom:1px solid var(--sunline);font-size:.88rem;color:#4b3a10}
.disc-strip p{margin:0;padding:.5rem 0}
.disc-strip a{color:#4b3a10;font-weight:600}
/* hero */
.hero{background:linear-gradient(135deg,#14385c 0%,#1d5285 70%,#2a6aa3 100%);color:#fff;padding:3rem 0 3.2rem}
.hero h1{color:#fff;max-width:20ch}
.hero .lead{color:#e3eef9;font-size:1.15rem;max-width:62ch}
.hero .kicker{display:inline-block;background:rgba(245,184,61,.18);color:var(--sun);font-weight:700;font-size:.85rem;letter-spacing:.04em;text-transform:uppercase;padding:.25rem .65rem;border-radius:99px;margin-bottom:.9rem}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.4rem;min-height:46px;padding:.65rem 1.15rem;border-radius:11px;font-weight:700;text-decoration:none;border:2px solid transparent;line-height:1.2}
.btn-primary{background:var(--sun);color:#2a1d00}.btn-primary:hover{background:#ffcb5c;color:#2a1d00}
.btn-ghost{border-color:rgba(255,255,255,.6);color:#fff}.btn-ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.btn-go{background:var(--brand);color:#fff}.btn-go:hover{background:var(--brand2);color:#fff}
.btn-row{display:flex;flex-wrap:wrap;gap:.7rem;margin-top:1.3rem}
/* steps on home */
.steps-grid{list-style:none;padding:0;margin:1.5rem 0;display:grid;gap:1rem;grid-template-columns:1fr}
@media (min-width:700px){.steps-grid{grid-template-columns:1fr 1fr}}
@media (min-width:1000px){.steps-grid{grid-template-columns:1fr 1fr 1fr}}
.step-card{position:relative;border:1px solid var(--line);border-radius:var(--r);padding:1.2rem 1.2rem 1.1rem 4.1rem;background:#fff;box-shadow:var(--sh)}
.step-card .num{position:absolute;left:1.1rem;top:1.15rem;width:2.3rem;height:2.3rem;border-radius:50%;background:var(--brand);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.step-card h3{margin:0 0 .35rem;font-size:1.08rem}
.step-card p{margin:0 0 .6rem;color:var(--soft);font-size:.97rem}
.step-card .more{font-weight:700;text-decoration:none}
.step-card .more::after{content:" \2192"}
.band{background:var(--mint);padding:2.2rem 0;margin-top:2.5rem}
/* guide layout */
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:.35rem;padding:0;margin:1.2rem 0 .8rem;font-size:.9rem;color:var(--soft)}
.crumbs li+li::before{content:"\203A";margin-right:.35rem}
.lead{font-size:1.15rem;color:var(--soft)}
.meta{font-size:.9rem;color:var(--soft)}
.toc{border:1px solid var(--line);border-radius:var(--r);padding:1rem 1.2rem;background:#fbfdff}
.toc h2{font-size:1rem;margin:0 0 .4rem}
.toc ol{margin:0;padding-left:1.2rem}
.warning{background:var(--sunbg);border:1px solid var(--sunline);border-left:5px solid var(--sun);border-radius:10px;padding:1rem 1.15rem;margin:1.2rem 0}
.tip{background:var(--mint);border-left:5px solid var(--brand2);border-radius:10px;padding:.9rem 1.1rem;margin:1.2rem 0}
.aff-box{background:#f6f8fb;border:1px dashed #b7c6d6;border-radius:10px;padding:.7rem 1rem;font-size:.92rem;color:var(--soft);margin:1rem 0}
ol.steps{padding-left:1.3rem}ol.steps li{margin-bottom:.7rem}
ul.checklist{list-style:none;padding:0}ul.checklist li{position:relative;padding-left:1.8rem;margin-bottom:.5rem}
ul.checklist li::before{content:"";position:absolute;left:0;top:.35em;width:1.1rem;height:1.1rem;border-radius:4px;background:var(--ok);-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M4 10l4 4 8-8' fill='none' stroke='black' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M4 10l4 4 8-8' fill='none' stroke='black' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat}
.table-scroll{overflow-x:auto;margin:1rem 0;border:1px solid var(--line);border-radius:var(--r)}
table{border-collapse:collapse;width:100%;min-width:480px;font-size:.97rem}
caption{text-align:left;font-weight:700;padding:.75rem 1rem;color:var(--brand)}
th,td{padding:.65rem 1rem;border-top:1px solid var(--line);text-align:left;vertical-align:top}
thead th{background:var(--mint);font-size:.9rem}
/* provider cards */
.cards{display:grid;gap:1.1rem;grid-template-columns:1fr;margin:1.2rem 0}
@media (min-width:860px){.cards{grid-template-columns:1fr 1fr}}
.card{border:1px solid var(--line);border-radius:var(--r);padding:1.25rem;box-shadow:var(--sh);display:flex;flex-direction:column}
.card h3{margin:0 0 .25rem;font-size:1.25rem}
.card .what{font-weight:600;color:var(--ink);margin:0 0 .3rem}
.card .for{font-size:.92rem;color:var(--soft);margin:0 0 .7rem}
.card ul{padding-left:1.15rem;font-size:.96rem}
.card .cta{margin-top:auto}
.aff-note{font-size:.83rem;color:var(--soft);margin:.45rem 0 0}
.fine{font-size:.88rem;color:var(--soft)}
.faq details{border:1px solid var(--line);border-radius:10px;padding:.2rem 1rem;margin-bottom:.6rem}
.faq summary{cursor:pointer;font-weight:700;padding:.6rem 0;min-height:44px}
.related{list-style:none;padding:0;display:grid;gap:.6rem;grid-template-columns:1fr}
@media (min-width:700px){.related{grid-template-columns:1fr 1fr}}
.related a{display:block;border:1px solid var(--line);border-radius:10px;padding:.75rem 1rem;text-decoration:none;font-weight:600}
.related a:hover{background:var(--mint)}
.sources{font-size:.92rem}
.prose{max-width:760px}
.sig{font-weight:700;margin-top:2rem}
/* footer */
.site-footer{margin-top:3.5rem;background:#0f2238;color:#c9d6e3;padding:2.2rem 0 1.6rem;font-size:.92rem}
.site-footer a{color:#fff}
.site-footer .disclosure{background:rgba(245,184,61,.12);border:1px solid rgba(245,184,61,.35);border-radius:10px;padding:.8rem 1rem;color:#f3e3bd}
.foot-links{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:.4rem 1.2rem}
.foot-links a{display:inline-flex;min-height:44px;align-items:center}
.copyright{color:#93a6ba;font-size:.85rem}