@font-face{font-family:'Public Sans';src:url("/assets/fonts/PublicSans-Regular.woff2") format('woff2');font-weight:400;font-display:swap;}
  @font-face{font-family:'Public Sans';src:url("/assets/fonts/PublicSans-SemiBold.woff2") format('woff2');font-weight:600;font-display:swap;}
  @font-face{font-family:'Public Sans';src:url("/assets/fonts/PublicSans-Bold.woff2") format('woff2');font-weight:700;font-display:swap;}
  @font-face{font-family:'Public Sans';src:url("/assets/fonts/PublicSans-ExtraBold.woff2") format('woff2');font-weight:800;font-display:swap;}
  :root{
    --navy:#1a4480; --navy-2:#16355e; --navy-deep:#162e51;
    --red:#d83933; --red-dark:#b50909;
    --ink:#1a4480; --gray:#5b616b; --gray-light:#5f6875;
    --bg:#ffffff; --bg-soft:#f0f0f0; --line:#e3e7ee;
    --maxw:1120px;
    --sans:'Public Sans',Helvetica,'Helvetica Neue',Arial,sans-serif;
    --t:.18s cubic-bezier(.4,0,.2,1);
  }
  *{margin:0;padding:0;box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{font-family:var(--sans);background:var(--bg);color:var(--ink);line-height:1.55;-webkit-font-smoothing:antialiased;overflow-x:hidden;}
  a{color:inherit;text-decoration:none;}
  .wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px;}
  ::selection{background:var(--navy);color:#fff;}
  .btn{display:inline-flex;align-items:center;gap:9px;font-weight:700;font-size:13px;letter-spacing:.02em;text-transform:uppercase;padding:15px 28px;border:1.5px solid transparent;cursor:pointer;transition:var(--t);}
  .btn-primary{background:var(--red);color:#fff;box-shadow:0 1px 0 rgba(0,0,0,.12),0 10px 24px -12px rgba(178,34,52,.55);}
  .btn-primary:hover{background:var(--red-dark);}
  .btn-line{background:transparent;border-color:var(--navy);color:var(--navy);}
  .btn-line:hover{background:var(--navy);color:#fff;}
  .utility{background:var(--navy-deep);color:#aeb9cc;font-size:12px;letter-spacing:.01em;}
  .utility .wrap{display:flex;align-items:center;gap:10px;height:40px;}
  .utility .usq{display:flex;align-items:center;gap:9px;}
  .utility .flagdot{width:13px;height:9px;flex-shrink:0;background:linear-gradient(180deg,var(--red) 0 33%,#fff 33% 66%,var(--navy) 66% 100%);}
  .utility b{color:#fff;font-weight:600;}
  .utility .right{margin-left:auto;display:flex;gap:22px;text-transform:uppercase;font-size:11px;letter-spacing:.08em;}
  .utility a:hover{color:#fff;}
  @media(max-width:680px){.utility .right{display:none;}}
  header.nav{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);}
  .nav-in{display:flex;align-items:center;gap:14px;height:74px;}
  .brand{display:flex;align-items:center;gap:11px;}
  .brand .seal{width:40px;height:40px;display:flex;align-items:center;justify-content:center;color:var(--navy);flex-shrink:0;background:var(--navy);border-radius:3px;}
  .brand .seal svg{width:26px;height:26px;color:#fff;}
  .brand .bt .n{font-weight:800;font-size:15px;color:var(--navy);letter-spacing:0;text-transform:uppercase;}
  .brand .bt .s{font-size:9.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--gray-light);font-weight:600;}
  .nav-links{display:flex;gap:30px;margin-left:auto;font-size:12.5px;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:var(--navy);}
  .nav-links a{position:relative;padding:4px 0;}
  .nav-links a::after{content:"";position:absolute;left:0;bottom:0;width:0;height:2px;background:var(--red);transition:var(--t);}
  .nav-links a:hover::after{width:100%;}
  .nav-cta{margin-left:10px;}
  @media(max-width:980px){.nav-links{display:none;}}
  .hero{background:var(--navy-deep);color:#fff;padding:72px 0 80px;}
  .crumb{font-size:11px;text-transform:uppercase;letter-spacing:.1em;color:#9aa8bf;margin-bottom:20px;}
  .crumb a{color:#cdd8ea;}
  .eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:11px;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:var(--red);margin-bottom:20px;}
  .eyebrow::before{content:"";width:22px;height:2px;background:var(--red);}
  .hero h1{font-size:clamp(30px,5vw,58px);font-weight:800;line-height:1.02;letter-spacing:0;text-transform:uppercase;}
  .hero .lede{font-size:18px;color:#b9c4d6;max-width:640px;margin:24px 0 32px;line-height:1.6;}
  .content{padding:80px 0;}
  .content-grid{display:grid;grid-template-columns:1fr 340px;gap:64px;}
  @media(max-width:900px){.content-grid{grid-template-columns:1fr;}}
  .prose h2{font-size:clamp(22px,3.5vw,32px);font-weight:800;text-transform:uppercase;letter-spacing:0;color:var(--navy);margin:48px 0 16px;}
  .prose h2:first-child{margin-top:0;}
  .prose h3{font-size:17px;font-weight:800;text-transform:uppercase;letter-spacing:0;color:var(--navy);margin:32px 0 12px;}
  .prose p{font-size:16px;color:var(--gray);line-height:1.7;margin-bottom:18px;}
  .prose ul{padding-left:0;list-style:none;display:flex;flex-direction:column;gap:12px;margin-bottom:24px;}
  .prose li{display:flex;gap:12px;font-size:15px;color:var(--gray);line-height:1.6;}
  .prose li::before{content:"";width:7px;height:7px;min-width:7px;background:var(--red);margin-top:8px;}
  .prose a{color:var(--red);border-bottom:1px solid var(--red);}
  .statute-ref{display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:700;background:var(--bg-soft);border:1px solid var(--line);padding:5px 12px;color:var(--navy);letter-spacing:.03em;margin:0 0 18px;}
  .warn-box{border-left:4px solid var(--red);background:var(--bg-soft);padding:20px 24px;margin:28px 0;}
  .warn-box strong{display:block;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:var(--red);margin-bottom:8px;}
  .warn-box p{font-size:14px;color:var(--gray);line-height:1.6;margin:0;}
  .sidebar{display:flex;flex-direction:column;gap:28px;}
  .sidebar-box{border:1px solid var(--line);padding:28px;}
  .sidebar-box.navy{background:var(--navy);color:#fff;}
  .sidebar-box h2{font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--navy);margin-bottom:14px;}
  .sidebar-box.navy h2{color:#9fb2cf;}
  .sidebar-box p{font-size:13.5px;color:var(--gray);line-height:1.65;}
  .sidebar-box.navy p{color:#cdd8ea;}
  .sidebar-box .btn{width:100%;justify-content:center;margin-top:16px;}
  .sidebar-box ul{list-style:none;display:flex;flex-direction:column;gap:10px;margin-top:10px;}
  .sidebar-box li{display:flex;gap:10px;font-size:13.5px;color:var(--gray);line-height:1.5;}
  .sidebar-box.navy li{color:#cdd8ea;}
  .sidebar-box li::before{content:"";width:6px;height:6px;min-width:6px;background:var(--red);margin-top:7px;}
  .faq{max-width:860px;border-top:1px solid var(--line);margin-top:16px;}
  details{border-bottom:1px solid var(--line);}
  summary{cursor:pointer;list-style:none;font-weight:700;font-size:16px;padding:22px 4px;display:flex;justify-content:space-between;align-items:center;color:var(--navy);letter-spacing:0;gap:20px;}
  summary::-webkit-details-marker{display:none;}
  summary::after{content:"+";color:var(--red);font-size:26px;font-weight:300;line-height:1;}
  details[open] summary::after{content:"–";}
  details p{color:var(--gray);font-size:15px;padding:0 4px 24px;line-height:1.65;max-width:760px;}
  details p a{color:var(--red);border-bottom:1px solid var(--red);}
  .cta-band{background:var(--navy);color:#fff;text-align:center;padding:72px 40px;position:relative;overflow:hidden;}
  .cta-band::before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--red);}
  .cta-band h2{font-size:clamp(26px,4vw,44px);font-weight:800;letter-spacing:0;text-transform:uppercase;color:#fff;}
  .cta-band p{color:#b9c4d6;max-width:520px;margin:16px auto 30px;font-size:17px;}
  .cta-band .btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;}
  footer{background:var(--navy-deep);color:#9aa8bf;}
  footer::before{content:"";display:block;height:4px;background:var(--red);}
  .foot-main{padding:56px 0 30px;display:flex;justify-content:space-between;gap:40px;flex-wrap:wrap;}
  .foot-brand .seal{width:40px;height:40px;display:inline-flex;align-items:center;justify-content:center;margin-bottom:14px;color:#fff;}
  .foot-brand .seal svg{width:36px;height:36px;}
  .foot-brand .n{font-weight:800;font-size:15px;color:#fff;text-transform:uppercase;letter-spacing:0;}
  .foot-brand p{font-size:13px;max-width:280px;margin-top:10px;line-height:1.65;}
  .foot-cols{display:flex;gap:56px;flex-wrap:wrap;}
  .foot-cols h2{font-size:10.5px;letter-spacing:.14em;text-transform:uppercase;color:#7d8aa0;margin-bottom:14px;}
  .foot-cols a{display:block;color:#9aa8bf;margin-bottom:10px;font-size:13.5px;}
  .foot-cols a:hover{color:#fff;}
  .disclaimer{font-size:11.5px;color:#5f6875;max-width:840px;margin-top:8px;line-height:1.7;border-top:1px solid rgba(255,255,255,.08);padding-top:20px;}
  .foot-bottom{padding:18px 0 36px;font-size:12px;color:#5f6875;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;text-transform:uppercase;letter-spacing:.04em;}
  a:focus-visible,.btn:focus-visible{outline:2px solid var(--red);outline-offset:3px;}