:root{--navy:#0f2557;--navy-deep:#0a1a3f;--royal:#0b4fc4;--sky:#2aa7f0;--sky-soft:#e7f4fd;--ink:#14213d;--muted:#55607a;--line:#dde3ee;--bg:#ffffff;--bg-soft:#f5f8fc;--good:#1f8a4c;--warn:#b26a00;--stop:#b42318;--radius:12px;--shadow:0 1px 2px rgba(15,37,87,0.06),0 8px 24px rgba(15,37,87,0.06);--max:1160px;--font:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}img{max-width:100%;height:auto;display:block}a{color:var(--royal);text-decoration:none}a:hover{text-decoration:underline}h1,h2,h3,h4{color:var(--navy);line-height:1.2;margin:0 0 .5em}h1{font-size:clamp(2rem,4.5vw,3.1rem);letter-spacing:-.02em}h2{font-size:clamp(1.45rem,2.6vw,2rem);letter-spacing:-.01em;margin-top:1.6em}h3{font-size:1.2rem;margin-top:1.2em}ol,p,ul{margin:0 0 1em}ol,ul{padding-left:1.25em}li{margin:.25em 0}table{width:100%;border-collapse:collapse;margin:0 0 1.25em;font-size:.95rem}td,th{text-align:left;padding:.65em .75em;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--bg-soft);color:var(--navy);font-weight:700}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);margin-bottom:1.25em}.table-wrap table{margin:0}.container{max-width:var(--max);margin:0 auto;padding:0 16px}.narrow{max-width:820px}.section{padding:56px 0}.section-soft{background:var(--bg-soft)}.section-navy{background:var(--navy);color:#fff}.section-navy h2,.section-navy h3{color:#fff}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:700;color:var(--royal);margin-bottom:.6em}.lead{font-size:1.2rem}.lead,.muted{color:var(--muted)}.small{font-size:.88rem}.center{text-align:center}.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:8px;background:#fff;padding:8px;z-index:100}.site-header{position:-webkit-sticky;position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);-webkit-backdrop-filter:saturate(1.4) blur(6px);backdrop-filter:saturate(1.4) blur(6px)}.header-inner{justify-content:space-between;gap:16px;height:68px}.brand,.header-inner{display:flex;align-items:center}.brand{gap:10px;color:var(--navy);font-weight:800;flex-shrink:0}.brand img{min-width:98px;height:40px;width:auto}.brand:hover{text-decoration:none}.main-nav{display:flex;gap:18px;align-items:center}.main-nav a{color:var(--ink);font-weight:600;font-size:.93rem;white-space:nowrap}.header-cta{display:flex;gap:10px;align-items:center}.header-cta .menu-toggle{display:none}.header-cta .btn{white-space:nowrap}@media (max-width:1200px){.main-nav{display:none}.header-cta .menu-toggle{display:inline-flex}.main-nav.open{display:flex;position:absolute;top:68px;left:0;right:0;flex-direction:column;align-items:flex-start;background:#fff;padding:16px;border-bottom:1px solid var(--line);gap:14px}}@media (max-width:640px){.header-cta .member-link{display:none}}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:.75em 1.25em;border-radius:999px;font-weight:700;border:2px solid transparent;cursor:pointer;font-size:.98rem;font-family:inherit;line-height:1.2}.btn:hover{text-decoration:none}.btn-primary{background:var(--royal);color:#fff}.btn-primary:hover{background:#0941a3}.btn-ghost{border-color:var(--line);color:var(--navy);background:#fff}.btn-ghost:hover{border-color:var(--royal)}.btn-light{background:#fff;color:var(--navy)}.btn-sky{background:var(--sky);color:var(--navy-deep)}.btn-sm{padding:.5em .9em;font-size:.88rem}.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:1.25em}.hero{background:radial-gradient(1200px 500px at 80% -10%,#dff1fd 0,transparent 60%),linear-gradient(180deg,#f7fbff,#fff);padding:64px 0 56px;border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;grid-gap:40px;gap:40px;align-items:center}.hero h1 .look-up{color:var(--royal);display:block}.hero-mark{max-width:360px;margin-left:auto;filter:drop-shadow(0 18px 30px rgba(11,79,196,.25))}@media (max-width:860px){.hero-grid{grid-template-columns:1fr}.hero-mark{max-width:220px;margin:0 auto}}.page-hero{background:linear-gradient(180deg,#f5f9fe,#fff);border-bottom:1px solid var(--line);padding:40px 0 32px}.page-hero .answer{font-size:1.15rem;color:var(--ink);max-width:820px;background:#fff;border-left:4px solid var(--royal);padding:14px 18px;border-radius:0 var(--radius) var(--radius) 0;box-shadow:var(--shadow)}.crumbs{font-size:.85rem;margin-bottom:14px}.crumbs,.crumbs a{color:var(--muted)}.crumbs span{margin:0 6px}.grid{display:grid;grid-gap:18px;gap:18px}.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}@media (max-width:980px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}@media (max-width:640px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow)}.card h3{margin-top:0;font-size:1.08rem}.card p:last-child{margin-bottom:0}a.card{color:inherit;display:block;transition:border-color .15s,transform .15s}a.card:hover{border-color:var(--royal);text-decoration:none;transform:translateY(-1px)}.card-link{font-weight:700;font-size:.92rem}.card-link,.stat{color:var(--royal)}.stat{font-size:2rem;font-weight:800;line-height:1}.pill{display:inline-block;font-size:.75rem;font-weight:700;padding:3px 10px;border-radius:999px;background:var(--sky-soft);color:var(--royal)}.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;grid-gap:40px;gap:40px;align-items:start}.sidebar{position:-webkit-sticky;position:sticky;top:92px;display:grid;grid-gap:16px;gap:16px}@media (max-width:980px){.content-grid{grid-template-columns:1fr}.sidebar{position:static}}.prose h2{border-top:1px solid var(--line);padding-top:1.1em}.prose h2:first-child{border-top:0;padding-top:0;margin-top:0}.checklist{list-style:none;padding:0}.checklist li{padding-left:28px;position:relative}.checklist li:before{content:"";position:absolute;left:0;top:.45em;width:16px;height:16px;border-radius:50%;background:var(--sky-soft);border:2px solid var(--royal)}.xlist{list-style:none;padding:0}.xlist li{padding-left:28px;position:relative;color:var(--muted)}.xlist li:before{content:"×";position:absolute;left:3px;top:-1px;font-weight:800;color:var(--stop)}.steps{counter-reset:step;list-style:none;padding:0}.steps li{counter-increment:step;position:relative;padding:0 0 16px 52px}.steps li:before{content:counter(step);position:absolute;left:0;top:0;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800}.steps strong{color:var(--navy)}.callout{border-radius:var(--radius);padding:16px 18px;margin:0 0 1.25em;border:1px solid var(--line);background:var(--bg-soft)}.callout-stop{background:#fff4f2;border-color:#f4c7c1}.callout-stop strong{color:var(--stop)}.faq details{border:1px solid var(--line);border-radius:var(--radius);padding:14px 18px;margin-bottom:10px;background:#fff}.faq summary{font-weight:700;color:var(--navy);cursor:pointer}.faq details[open] summary{margin-bottom:8px}.tag-list{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0}.tag-list a{display:inline-block;border:1px solid var(--line);border-radius:999px;padding:5px 12px;font-size:.88rem;color:var(--navy);background:#fff}.tag-list a:hover{border-color:var(--royal);text-decoration:none}.updated{font-size:.85rem;color:var(--muted);border-top:1px solid var(--line);padding-top:14px;margin-top:28px}.form{grid-gap:14px}.form,.form-row{display:grid;gap:14px}.form-row{grid-template-columns:1fr 1fr;grid-gap:14px}@media (max-width:640px){.form-row{grid-template-columns:1fr}}label{font-weight:600;font-size:.92rem;color:var(--navy);display:grid;grid-gap:6px;gap:6px}input,select,textarea{font:inherit;font-size:1rem;padding:.65em .75em;border:1px solid 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var(--line);border-radius:var(--radius);padding:32px}.proposal-head{display:flex;justify-content:space-between;gap:20px;border-bottom:3px solid var(--navy);padding-bottom:16px;margin-bottom:20px}@media print{.dash-nav,.no-print,.site-footer,.site-header{display:none!important}.proposal{border:0;padding:0}body{font-size:12pt}}