*{box-sizing:border-box}body{margin:0;font:17px/1.65 system-ui,-apple-system,Segoe UI,sans-serif;color:#173047;background:#fff}a{color:#075c85}a:hover{text-decoration-thickness:2px}.wrap{max-width:1120px;margin:auto;padding:0 22px}.top{background:#102f45;color:white}.top .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-top:17px;padding-bottom:17px;flex-wrap:wrap}.logo{font-weight:800;font-size:1.45rem;color:white;text-decoration:none}.logo span{color:#ffbd4a}nav{display:flex;gap:18px;flex-wrap:wrap}nav a{color:white;text-decoration:none;font-weight:600}.call{display:inline-block;background:#f5ad2f;color:#182b37!important;text-decoration:none;border-radius:9px;padding:12px 19px;font-weight:800}.call:hover{background:#ffca68}.hero{background:linear-gradient(115deg,#102f45,#12607d);color:white;padding:64px 0}.hero h1{font-size:clamp(2.2rem,5vw,3.8rem);line-height:1.13;margin:0 0 18px;max-width:850px}.hero p{max-width:750px;font-size:1.2rem}.eyebrow{font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:#ffd082;font-size:.8rem}.hero a:not(.call){color:white}.section{padding:46px 0}.section:nth-of-type(even){background:#f1f6f8}h2{font-size:clamp(1.6rem,3vw,2.1rem);line-height:1.25;margin:0 0 18px}h3{line-height:1.3;margin:18px 0 8px}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(245px,1fr));gap:18px}.tile{border:1px solid #d9e5eb;border-radius:12px;background:white;padding:23px}.tile h3{margin-top:0}.tile p{margin:0 0 12px}.buttonlink{font-weight:700}.note{border-left:4px solid #d68b1a;background:#fff6e6;padding:14px 20px;border-radius:4px}.cta{background:#123b51;color:white;padding:26px;border-radius:14px;margin:30px 0}.cta p{margin-top:0}.breadcrumbs{font-size:.88rem;padding:18px 0}.breadcrumbs a{color:#075c85}.content{max-width:830px}.content p{margin:12px 0 20px}.content li{margin-bottom:10px}.small{font-size:.9rem}.muted{color:#506475}footer{background:#102f45;color:white;padding:38px 0}footer a{color:#fff}footer .grid{gap:35px}footer ul{padding-left:20px}.sticky{display:none}.zip{display:flex;flex-wrap:wrap;gap:8px}.zip span{background:#eaf1f5;border-radius:6px;padding:3px 9px}.toc{background:#f1f6f8;padding:18px 24px;border-radius:10px}.toc a{display:block;margin:6px 0}summary{cursor:pointer;font-weight:700;padding:12px 0}details{border-bottom:1px solid #d9e5eb}details p{margin:0 0 18px}@media(max-width:700px){.top nav{width:100%;gap:12px;font-size:.88rem}.hero{padding:42px 0}.section{padding:30px 0}.sticky{display:block;position:fixed;bottom:0;left:0;right:0;z-index:20;background:#f5ad2f;text-align:center;padding:12px}.sticky a{font-weight:800;color:#152f40;text-decoration:none}body{padding-bottom:52px}}
/* Navigation: desktop header sticks; mobile bottom call action stays fixed. */
.top{position:sticky;top:0;z-index:30}
.top .wrap{flex-wrap:nowrap}
.top nav{flex-wrap:nowrap;align-items:center}
.header-call{white-space:nowrap}
.menu-toggle{display:none;background:transparent;border:1px solid #b4d1df;border-radius:8px;width:44px;height:44px;align-items:center;justify-content:center;flex-direction:column;gap:5px;cursor:pointer;flex-shrink:0}
.menu-toggle span{width:21px;height:2px;background:#fff;border-radius:2px}
@media(max-width:850px){
 .top{position:relative}
 .top .wrap{display:flex;flex-wrap:wrap;gap:8px;padding-top:10px;padding-bottom:10px}
 .logo{font-size:clamp(1rem,3.8vw,1.35rem);white-space:nowrap;margin-right:auto}
 .header-call{font-size:.78rem;padding:9px 10px;white-space:nowrap}
 .menu-toggle{display:flex}
 .top nav{display:none;order:4;width:100%;flex-direction:column;align-items:stretch;gap:0;padding:8px 0}
 .top nav.is-open{display:flex}
 .top nav a{display:block;padding:11px 8px;border-top:1px solid #416077}
}
@media(max-width:380px){.logo{font-size:1rem}.header-call{font-size:.72rem;padding:8px}.top .wrap{padding-left:10px;padding-right:10px}}