:root{
    --deep:#173359; --deep-2:#1E4670; --deep-3:#24507C; --midnight:#041E42; --sapphire:#002855;
    --sky:#A6D7F0; --sky-2:#5B8FC7; --sky-soft:#E9F4FB;
    --travertine:#F4EFE7; --white:#FFFFFF;
    --ink:#202020; --slate:#3D4A54; --muted:#6E6A62; --line:#E4E0D7; --line-deep:#2C4C71;
    --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
    --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
    --wrap:1200px; --radius:16px; --radius-sm:10px;
    --shadow:0 1px 2px rgba(6,20,40,.05),0 14px 32px -14px rgba(6,20,40,.18);
    --shadow-lift:0 2px 4px rgba(6,20,40,.07),0 28px 56px -18px rgba(6,20,40,.30);
  }
  *{box-sizing:border-box}
  html{scroll-behavior:smooth}
  @media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
  body{margin:0;font-family:var(--sans);color:var(--slate);background:var(--white);
    font-size:17px;line-height:1.62;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
  h1,h2,h3{font-family:var(--serif);color:var(--deep);line-height:1.1;margin:0;font-weight:600;letter-spacing:-.012em}
  p{margin:0}
  a{color:var(--deep);text-decoration:none}
  a:hover{text-decoration:underline}
  .wrap{max-width:var(--wrap);margin:0 auto;padding:0 26px}
  .eyebrow{font-family:var(--sans);font-size:12px;font-weight:600;letter-spacing:.15em;text-transform:uppercase;color:var(--sky-2);margin:0 0 15px}
  .on-deep .eyebrow{color:var(--sky)}
  .lede{font-size:19px;color:var(--slate);max-width:60ch}
  .on-deep,.on-deep h1,.on-deep h2,.on-deep h3{color:#EEF4F9}
  .on-deep .lede{color:#BBD0E0}

  a.skip{position:absolute;left:-9999px;top:0;background:var(--deep);color:#fff;padding:12px 18px;z-index:100}
  a.skip:focus{left:0}
  :focus-visible{outline:3px solid var(--sky-2);outline-offset:2px;border-radius:4px}
  .on-deep :focus-visible{outline-color:var(--sky)}

  .ap{display:block}
  /* Wordmark */
  .wm{display:inline-flex;align-items:baseline;font-family:var(--sans);font-weight:800;letter-spacing:.02em;white-space:nowrap;line-height:1}
  .wm b{color:var(--deep);font-weight:800}
  .wm .s{color:var(--sky-2);font-weight:500;margin-left:.34em}
  .on-deep .wm b{color:#fff}.on-deep .wm .s{color:var(--sky)}

  /* Pill buttons (JPMC model) */
  .btn{display:inline-flex;align-items:center;gap:9px;font-family:var(--sans);font-weight:600;font-size:15.5px;
    padding:12px 22px;border-radius:999px;border:1.5px solid transparent;cursor:pointer;text-decoration:none;white-space:nowrap;
    transition:transform .16s ease,background .16s ease,border-color .16s ease,color .16s ease}
  .btn .arw{transition:transform .16s ease}.btn:hover .arw{transform:translateX(3px)}
  .btn:hover{text-decoration:none;transform:translateY(-1px)}
  .btn-deep{background:var(--deep);color:#fff}.btn-deep:hover{background:#0F2A48}
  .btn-sky{background:var(--sky);color:#0E2036}.btn-sky:hover{background:#C6E5F6}
  .btn-ghost-deep{border-color:var(--line);color:var(--deep);background:transparent}.btn-ghost-deep:hover{border-color:var(--deep);background:#fff}
  .btn-ghost-sky{border-color:var(--line-deep);color:var(--sky);background:transparent}.btn-ghost-sky:hover{border-color:var(--sky);background:rgba(166,215,240,.10)}
  .textlink{font-weight:600;display:inline-flex;align-items:center;gap:6px;color:var(--deep)}
  .on-deep .textlink{color:var(--sky)}
  .textlink .arw{transition:transform .16s ease}.textlink:hover .arw{transform:translateX(3px)}

  /* Ribbon */
  .ribbon{background:var(--midnight);color:#CFE0EA;font-size:13.5px;text-align:center;padding:9px 44px 9px 16px;position:relative}
  .ribbon strong{color:#fff;font-weight:600}
  .ribbon button{position:absolute;right:10px;top:50%;transform:translateY(-50%);background:none;border:0;color:#8FB0C1;font-size:20px;line-height:1;cursor:pointer;padding:4px 8px}
  .ribbon button:hover{color:#fff}

  /* Header */
  header.site{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.92);backdrop-filter:saturate(180%) blur(10px);border-bottom:1px solid var(--line)}
  .nav{display:flex;align-items:center;gap:22px;height:74px;flex-wrap:nowrap}
  .brand{display:flex;align-items:center;gap:12px;text-decoration:none;flex:none}
  .brand:hover{text-decoration:none}
  .brand .ap{width:34px;height:34px;flex:none}
  .brand .wm{font-size:19px}
  nav.primary{display:flex;gap:24px;margin-left:14px;white-space:nowrap}
  nav.primary a{color:var(--ink);font-weight:500;font-size:15.5px}
  nav.primary a:hover{color:var(--deep);text-decoration:none}
  .nav .spacer{flex:1}
  .nav .actions{display:flex;align-items:center;gap:16px;flex:none}
  .nav .actions .login{color:var(--deep);font-weight:600;font-size:15.5px;white-space:nowrap}
  .navtoggle{display:none;background:none;border:1px solid var(--line);border-radius:9px;width:44px;height:42px;cursor:pointer;align-items:center;justify-content:center}
  .navtoggle svg{width:22px;height:22px;stroke:var(--deep)}

  section{padding:92px 0}
  .sec-deep{background:var(--deep)}
  .sec-trav{background:var(--travertine)}
  .sec-tight{padding:66px 0}

  /* Hero */
  .hero{position:relative;overflow:hidden;background:radial-gradient(120% 100% at 88% -20%,#234f7a 0%,var(--deep) 58%)}
  .hero .halo{position:absolute;right:-140px;top:-120px;width:640px;height:640px;pointer-events:none;opacity:.10}
  .hero .halo .spin{transform-origin:60px 60px;animation:spin 100s linear infinite}
  @keyframes spin{to{transform:rotate(360deg)}}
  @media (prefers-reduced-motion:reduce){.hero .halo .spin{animation:none}}
  .hero .grid{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:50px;align-items:center}
  .hero h1{font-size:clamp(33px,4.3vw,48px);font-weight:600;letter-spacing:-.02em;line-height:1.08}
  .hero .lede{margin-top:22px;font-size:20px}
  .hero .cta-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:34px}
  .hero .partnerlink{margin-top:20px;font-size:15px;color:#9FB6C8}
  .hero .partnerlink a{color:var(--sky)}
  .hero-aside{position:relative;display:flex;flex-direction:column;align-items:center;gap:20px;background:rgba(30,70,112,.5);border:1px solid var(--line-deep);border-radius:22px;padding:40px 34px;text-align:center;box-shadow:0 30px 70px -30px rgba(0,0,0,.55)}
  .hero-aside .ap{width:112px;height:112px}
  .hero-aside .aside-h{font-family:var(--serif);color:#fff;font-size:22px;font-weight:600}
  .hero-aside .aside-p{color:#B4CADA;font-size:14.5px;line-height:1.55}
  .hero-aside .aside-tags{display:flex;flex-wrap:wrap;gap:8px;justify-content:center}
  .tag{font-size:12.5px;color:#D3E4F0;border:1px solid var(--line-deep);border-radius:999px;padding:5px 12px}
  /* Hero carousel */
  .carousel{position:relative;width:100%;min-height:330px}
  .slide{position:absolute;inset:0;display:flex;flex-direction:column;justify-content:center;opacity:0;visibility:hidden;transition:opacity .55s ease}
  .slide.is-active{opacity:1;visibility:visible}
  .c-glyph{width:56px;height:56px;margin:0 auto 16px;display:flex;align-items:center;justify-content:center;border-radius:14px;background:rgba(166,215,240,.12)}
  .c-glyph svg{width:30px;height:30px;stroke:var(--sky);fill:none}
  .c-h{font-family:var(--serif);color:#fff;font-size:23px;font-weight:600;line-height:1.15;text-align:center}
  .c-h.sm{font-size:20px;margin-bottom:14px;text-align:left}
  .c-p{color:#B4CADA;font-size:14px;line-height:1.55;margin-top:10px;text-align:center}
  .c-chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px;justify-content:center}
  .chip{font-size:12px;color:#D3E4F0;border:1px solid var(--line-deep);border-radius:999px;padding:5px 12px;display:inline-flex;align-items:center;gap:6px}
  .chip svg{width:12px;height:12px;stroke:var(--sky);fill:none}
  .c-acct{background:#fff;border-radius:14px;padding:18px}
  .c-acct-top{display:flex;justify-content:space-between;align-items:center}
  .c-nm{font:600 14px var(--sans);color:#173359}
  .c-badge{display:inline-flex;align-items:center;gap:5px;font:600 11px var(--sans);color:#0E2036;background:#A6D7F0;border-radius:999px;padding:4px 9px}
  .c-badge svg{width:11px;height:11px;stroke:#0E2036;fill:none}
  .c-bal{font:700 26px var(--sans);color:#0F2A48;margin:12px 0 4px;letter-spacing:-.01em}
  .c-balc{font:400 11px var(--sans);color:#8a93a0;margin-bottom:12px}
  .c-hold{display:flex;align-items:center;gap:10px;padding:8px 0;border-top:1px solid #EEF1F4}
  .c-dotc{width:9px;height:9px;border-radius:3px;flex:none}
  .c-hn{font:500 13px var(--sans);color:#33414d;flex:1}
  .c-hp{font:600 13px var(--sans);color:#173359}
  .c-illus{font:400 10px var(--sans);color:#93AEC1;margin-top:12px;text-align:center}
  .c-stat{display:flex;align-items:baseline;gap:12px;padding:12px 0;border-bottom:1px solid var(--line-deep)}
  .c-stat:last-of-type{border-bottom:0}
  .c-stat b{font-family:var(--serif);color:#fff;font-size:30px;font-weight:600;min-width:88px}
  .c-stat span{color:#B4CADA;font-size:13px}
  .c-note{color:#93AEC1;font:400 11px var(--sans);margin-top:12px}
  .c-controls{display:flex;align-items:center;justify-content:center;gap:14px;margin-top:4px}
  .c-dots{display:flex;gap:8px}
  .c-dot{width:8px;height:8px;border-radius:999px;border:0;background:rgba(166,215,240,.35);cursor:pointer;padding:0;transition:width .2s ease,background .2s ease}
  .c-dot.is-active{background:var(--sky);width:22px}
  .c-pause{background:none;border:1px solid var(--line-deep);color:var(--sky);border-radius:999px;width:28px;height:28px;cursor:pointer;display:flex;align-items:center;justify-content:center;padding:0}
  .c-pause:hover{border-color:var(--sky)}

  /* Proof */
  .proof{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;text-align:center}
  .proof .stat{position:relative}
  .proof .stat b{font-family:var(--serif);font-size:clamp(42px,5vw,58px);font-weight:600;color:var(--deep);display:block;line-height:1;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
  .proof .stat span{display:block;margin-top:11px;font-size:14.5px;color:var(--muted);max-width:26ch;margin-inline:auto}
  .proof .stat + .stat::before{content:"";position:absolute;left:-14px;top:8px;bottom:8px;width:1px;background:var(--line)}
  .proof-foot{margin-top:36px;text-align:center;display:flex;flex-direction:column;align-items:center;gap:7px}
  .proof-foot .secured{display:inline-flex;align-items:center;gap:10px;font-weight:600;color:var(--deep);font-size:15px}
  .proof-foot .secured .dot{width:6px;height:6px;border-radius:50%;background:var(--sky-2);display:inline-block}
  .proof-foot small{color:var(--muted);font-size:12.5px;max-width:66ch}

  .sechead{max-width:64ch}
  .sechead h2{font-size:clamp(29px,3.5vw,42px);font-weight:600}
  .sechead .lede{margin-top:16px}
  .sec-head-row{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap;margin-bottom:42px}

  .cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
  .acard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 28px 26px;display:flex;flex-direction:column;gap:12px;transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
  .acard:hover{transform:translateY(-4px);box-shadow:var(--shadow-lift);border-color:#D8D3C8}
  .acard .ic{width:44px;height:44px;border-radius:11px;background:rgba(23,51,89,.08);display:flex;align-items:center;justify-content:center;margin-bottom:4px}
  .acard .ic svg{width:23px;height:23px;stroke:var(--deep)}
  .acard h3{font-size:21px}
  .acard p{font-size:15.5px;color:var(--slate)}
  .acard .textlink{margin-top:auto;padding-top:8px}

  .acct-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
  .acct{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:18px 40px 18px 18px;display:flex;flex-direction:column;gap:5px;text-decoration:none;transition:border-color .16s ease,box-shadow .16s ease,transform .16s ease}
  .acct:hover{border-color:var(--sky-2);box-shadow:var(--shadow);transform:translateY(-2px);text-decoration:none}
  .acct b{color:var(--deep);font-family:var(--serif);font-weight:600;font-size:17px}
  .acct span{font-size:12.5px;color:var(--muted)}
  .acct .go{position:absolute;right:15px;top:50%;transform:translateY(-50%);color:var(--sky-2);opacity:0;transition:opacity .16s ease,transform .16s ease;font-weight:700}
  .acct:hover .go{opacity:1;transform:translateY(-50%) translateX(2px)}

  .split{display:grid;grid-template-columns:1fr 1fr;gap:22px}
  .holdcol{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px}
  .holdcol h3{font-size:20px;margin-bottom:16px}
  .holdcol.alt{background:var(--deep);border-color:var(--deep)}
  .holdcol.alt h3{color:#fff}
  .holdlist{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:11px}
  .holdlist li{display:flex;gap:11px;font-size:15.5px;align-items:flex-start}
  .holdlist li svg{width:19px;height:19px;flex:none;margin-top:2px;stroke:var(--sky-2);fill:none}
  .holdcol.alt .holdlist li{color:#D4E3EE}
  .holdcol.alt .holdlist li svg{stroke:var(--sky)}
  .holdnote{margin-top:20px;font-size:13px;color:var(--muted)}
  .holdcol.alt .holdnote{color:#93AEC1}

  .sec-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:8px}
  .scard{background:var(--deep-2);border:1px solid var(--line-deep);border-radius:var(--radius);padding:28px 26px}
  .scard .num{font-family:var(--sans);color:var(--sky);font-size:12px;font-weight:600;letter-spacing:.11em;text-transform:uppercase}
  .scard h3{color:#fff;font-size:20px;margin:11px 0 8px}
  .scard p{color:#B4CADA;font-size:15px}
  .sec-foot{margin-top:30px;color:#9FB6C8;font-size:14px;display:flex;flex-wrap:wrap;gap:8px 20px;align-items:center}

  .learn-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
  .lcard{border:1px solid var(--line);border-radius:var(--radius);padding:28px;background:#fff;display:flex;flex-direction:column;gap:10px;transition:transform .18s ease,box-shadow .18s ease}
  .lcard:hover{transform:translateY(-3px);box-shadow:var(--shadow-lift)}
  .lcard h3{font-size:19px}.lcard p{font-size:15px}
  .lcard ul{margin:2px 0 0;padding-left:18px;color:var(--muted);font-size:14px}
  .lcard ul li{margin:3px 0}
  .lcard .textlink{margin-top:6px}

  .partner{display:grid;grid-template-columns:1.3fr .7fr;gap:40px;align-items:center;background:linear-gradient(120deg,var(--deep) 0%,var(--deep-3) 130%);border-radius:24px;padding:52px 48px}
  .partner h2{color:#fff;font-size:clamp(26px,3vw,34px)}
  .partner p{color:#BBD0E0;margin-top:14px;font-size:16.5px}
  .partner .p-cta{display:flex;justify-content:flex-end}
  @media (max-width:820px){.partner .p-cta{justify-content:flex-start}}

  .final{text-align:center;max-width:720px;margin:0 auto}
  .final h2{font-size:clamp(30px,4vw,46px);color:#fff}
  .final .lede{margin:18px auto 0}
  .final .cta-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-top:32px}
  .final .fine{margin-top:22px;color:#93AEC1;font-size:13px}

  .offices{background:var(--midnight)}
  .offices .row{display:flex;align-items:center;gap:30px;flex-wrap:wrap;padding:26px 0}
  .offices .lbl{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--sky);font-weight:600;margin-right:6px}
  .offices .office{display:flex;flex-direction:column;line-height:1.3}
  .offices .office b{color:#EEF4F9;font-weight:600;font-size:14.5px}
  .offices .office a{color:#B4CADA;font-size:13.5px}
  .offices .office a:hover{color:#fff}

  footer.site{background:var(--deep);color:#B4CADA;padding:60px 0 40px}
  .foot-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px;padding-bottom:42px;border-bottom:1px solid var(--line-deep)}
  .foot-brand p{margin-top:16px;font-size:14px;color:#93AEC1;max-width:34ch}
  .foot-col h4{color:#fff;font-size:12.5px;letter-spacing:.09em;text-transform:uppercase;margin:0 0 16px;font-family:var(--sans);font-weight:600}
  .foot-col a{display:block;color:#BBD0E0;font-size:14.5px;margin-bottom:11px}
  .foot-col a:hover{color:#fff;text-decoration:none}
  .disclosures{padding:28px 0 6px;display:flex;flex-direction:column;gap:12px}
  .disclosures p{font-size:12.5px;color:#89A2B4;line-height:1.6}
  .disclosures strong{color:#B4CADA}
  .foot-legal{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:22px;border-top:1px solid var(--line-deep);margin-top:16px;font-size:13px;color:#89A2B4}
  .foot-legal a{color:#A9C1CF}

  .reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
  .reveal.in{opacity:1;transform:none}
  @media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}}

  @media (max-width:1040px){nav.primary{gap:18px}.brand .wm{font-size:18px}}
  @media (max-width:900px){
    nav.primary,.nav .actions .login{display:none}
    .navtoggle{display:inline-flex}
    .hero .grid{grid-template-columns:1fr;gap:36px}
    .hero-aside{order:-1;max-width:420px}
    .cards-3,.learn-grid{grid-template-columns:1fr}
    .acct-grid{grid-template-columns:repeat(2,1fr)}
    .split,.sec-grid{grid-template-columns:1fr}
    .partner{grid-template-columns:1fr;padding:40px 30px}
    .foot-top{grid-template-columns:1fr 1fr}
  }
  @media (max-width:560px){
    section{padding:62px 0}
    .proof{grid-template-columns:1fr;gap:34px}.proof .stat + .stat::before{display:none}
    .acct-grid{grid-template-columns:1fr}.foot-top{grid-template-columns:1fr}
    .hero .cta-row .btn{flex:1 1 100%}
  }
  .mobile-menu{display:none;border-top:1px solid var(--line);background:#fff;padding:14px 26px 24px}
  .mobile-menu.open{display:block}
  .mobile-menu a{display:block;padding:12px 0;color:var(--ink);font-weight:500;border-bottom:1px solid var(--line)}
  .mobile-menu .btn{width:100%;justify-content:center;margin-top:16px}

.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.step{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px 22px}
.step .n{width:38px;height:38px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:var(--deep);color:#fff;font-family:var(--serif);font-weight:600;font-size:18px;margin-bottom:14px}
.step h3{margin:0 0 6px;font-family:var(--serif);color:var(--deep);font-size:19px}
.step p{margin:0;color:var(--slate);font-size:15px;line-height:1.55}
@media(max-width:860px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.steps{grid-template-columns:1fr}}
.holdlist a{color:inherit;text-decoration:none;border-bottom:1px solid rgba(23,51,89,.28);padding-bottom:1px;transition:border-color .15s}.holdlist a:hover{border-bottom-color:var(--sky-2,#5B8FC7);border-bottom-width:2px}
#partner .holdlist li{color:#fff}#partner .holdlist li svg{stroke:var(--sky)}

/* ---- content pages ---- */
.page-hero{background:var(--deep);padding:64px 0 56px}
.page-hero .eyebrow{color:var(--sky)}
.page-hero h1{color:#fff;font-size:clamp(30px,4vw,46px);max-width:20ch}
.page-hero .lede{color:#BBD0E0;margin-top:16px}
.crumbs{font-size:13px;color:#9FB6C8;margin-bottom:16px}
.crumbs a{color:#9FB6C8;text-decoration:underline}
.section{padding:64px 0}
.prose{max-width:760px}
.prose h2{font-size:26px;margin:36px 0 12px}
.prose h3{font-size:19px;margin:26px 0 8px}
.prose p{margin:0 0 14px}
.prose ul{margin:0 0 16px;padding-left:20px}.prose li{margin:6px 0}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.tile{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;display:flex;flex-direction:column;gap:8px;transition:transform .16s,box-shadow .16s}
.tile:hover{transform:translateY(-3px);box-shadow:var(--shadow-lift)}
.tile h3{font-size:19px}.tile p{font-size:15px;color:var(--slate)}
.tile.link{text-decoration:none}
.kt{background:var(--travertine);border:1px solid var(--line);border-radius:14px;padding:22px 24px;margin:8px 0 8px}
.kt h4{margin:0 0 10px;font:600 13px var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--sky-2)}
.kt ul{margin:0;padding-left:18px}.kt li{margin:6px 0}
.flag{display:inline-block;font:600 11px var(--sans);letter-spacing:.06em;text-transform:uppercase;color:#7a5b12;background:#FBF1D9;border:1px solid #EAD9A8;border-radius:8px;padding:4px 10px;margin:2px 0}
.disc{background:var(--travertine);border-top:1px solid var(--line)}
.disc p{font-size:12.5px;color:var(--muted);line-height:1.6;margin:0 0 10px}
.disc strong{color:var(--deep)}
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line);padding:16px 0}
.faq summary{font:600 17px var(--serif);color:var(--deep);cursor:pointer;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--sky-2);font-weight:700}
.faq details[open] summary::after{content:"–"}
.faq p{margin:12px 0 0;color:var(--slate)}
.gl-nav{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.96);backdrop-filter:saturate(180%) blur(6px);display:flex;flex-wrap:wrap;gap:6px;padding:12px 0;margin:0 0 20px;border-bottom:1px solid var(--line)}
.gl-nav a{font:600 13px var(--sans);color:var(--deep);border:1px solid var(--line);border-radius:8px;padding:5px 10px;text-decoration:none}
.gl-term{border-top:1px solid var(--line);padding:18px 0}
.gl-term h3{font-size:19px;margin:0 0 6px}
.gl-term p{margin:0;color:var(--slate)}
.mk-filters{display:flex;flex-wrap:wrap;gap:8px;margin:18px 0 26px}
.mk-filters button{font:600 13px/1 Inter,Arial,sans-serif;color:var(--deep);background:#fff;border:1px solid var(--line);border-radius:999px;padding:9px 16px;cursor:pointer;transition:all .12s}
.mk-filters button:hover{border-color:var(--sky-2)}
.mk-filters button[aria-pressed="true"]{background:var(--deep);color:#fff;border-color:var(--deep)}
.mk-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:18px}
.mk-card{border:1px solid var(--line);border-radius:12px;padding:20px;background:#fff;display:flex;flex-direction:column}
.mk-card .mk-cat{font:700 10px/1 Inter,Arial,sans-serif;letter-spacing:.14em;text-transform:uppercase;color:var(--sky-2);margin-bottom:9px}
.mk-card h3{margin:0 0 6px;font-size:16px;color:var(--deep)}
.mk-card p{margin:0 0 14px;font-size:13.5px;color:var(--slate);flex:1}
.mk-card .mk-go{font:600 13px/1 Inter,Arial,sans-serif;color:var(--deep-2);background:none;border:0;padding:0;cursor:pointer;text-align:left}
.mk-card .mk-go:hover{text-decoration:underline}
.mk-logo{width:44px;height:44px;border-radius:9px;background:linear-gradient(135deg,var(--sky),var(--sky-2));color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:19px;margin-bottom:14px}
.mk-card .mk-cat{line-height:1.4}
.mk-act{padding-top:14px;border-top:1px solid var(--line)}
.mk-count{font-size:13px;color:#8A8578;margin:0 0 18px}
.mk-disc{background:var(--travertine);border-top:1px solid var(--line);border-radius:10px;padding:30px 32px;margin-top:44px}
.mk-disc h2{font-family:'Source Serif 4',Georgia,serif;color:var(--deep);font-size:22px;margin:0 0 14px;font-weight:700}
.mk-disc p{font-size:13px;color:var(--slate);margin:0 0 12px;max-width:920px;line-height:1.62}
.mk-disc p:last-child{margin-bottom:0}
.mk-card .mk-pending{font:600 12px/1 Inter,Arial,sans-serif;color:var(--slate);background:var(--travertine);border:1px solid var(--line);border-radius:999px;padding:7px 12px;display:inline-block}
.mk-slot{border:1px dashed var(--line);border-radius:12px;padding:20px;background:var(--travertine);display:flex;align-items:center;justify-content:center;text-align:center;color:var(--slate);font-size:13px;min-height:150px}
.mk-note{border-left:3px solid var(--sky-2);background:var(--travertine);padding:14px 18px;border-radius:0 8px 8px 0;margin:22px 0;font-size:13.5px;color:var(--slate)}
.mk-modal{position:fixed;inset:0;background:rgba(14,36,68,.62);display:none;align-items:center;justify-content:center;z-index:100;padding:20px}
.mk-modal.on{display:flex}
.mk-modal .mk-box{background:#fff;border-radius:14px;max-width:560px;padding:28px;box-shadow:0 24px 60px rgba(0,0,0,.28)}
.mk-modal h3{margin:0 0 10px;color:var(--deep);font-size:20px}
.mk-modal p{font-size:13.5px;color:var(--slate);margin:0 0 12px}
.mk-modal .mk-actions{display:flex;gap:10px;margin-top:18px;flex-wrap:wrap}

.legal-banner{background:#FBF1D9;border:1px solid #EAD9A8;border-radius:12px;padding:14px 18px;color:#6b5115;font-size:14px;margin-bottom:26px}
.legal-doc h2{font-size:19px;margin-top:30px}
.legal-doc h3{font-size:16px;margin-top:18px}
.legal-doc p,.legal-doc li{font-size:15.5px}
.legal-meta{font-size:12.5px;color:var(--muted);margin:0 0 18px}
.article-meta{font:600 12px var(--sans);letter-spacing:.06em;text-transform:uppercase;color:var(--sky-2);margin:0 0 18px}
.article-disc{margin-top:26px;padding-top:16px;border-top:1px solid var(--line);font-size:12.5px;color:var(--muted);line-height:1.6}
.lede-p{font-size:19px;line-height:1.6;color:var(--slate);margin:0 0 6px}
.dl-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:12px}
.media-figs{display:grid;grid-template-columns:1fr 1fr 1fr;gap:16px;margin:14px 0 6px}
.media-figs figure{margin:0}
.media-figs img{width:100%;display:block;border:1px solid var(--line);border-radius:12px;background:#fff}
.media-figs figcaption{font-size:12.5px;color:var(--muted);margin-top:7px;text-align:center}
@media(max-width:820px){.media-figs{grid-template-columns:1fr}}
.dl-chip{display:inline-flex;align-items:center;gap:7px;padding:9px 14px;border:1px solid var(--line);border-radius:999px;background:#fff;color:var(--deep);font-size:14px;font-weight:600;text-decoration:none;transition:border-color .15s,background .15s}
.dl-chip:hover{border-color:var(--sky-2);background:var(--travertine)}
.dl-chip svg{width:14px;height:14px;fill:var(--sky-2);flex:none}
.dl-chip.req{color:var(--muted);font-weight:500;cursor:default}
.dl-chip.req:hover{border-color:var(--line);background:#fff}
.media-sec h2{font-family:var(--serif);color:var(--deep);font-size:23px;margin:36px 0 4px}
.media-sec>p{color:var(--slate);max-width:72ch;margin:0}
.keynums{display:flex;flex-wrap:wrap;gap:30px;margin:16px 0 6px;padding:18px 24px;background:var(--deep);border-radius:14px}
.keynums div{display:flex;flex-direction:column}
.keynums b{font-family:var(--serif);color:#fff;font-size:26px;line-height:1.05}
.keynums span{font-size:12.5px;color:var(--sky);margin-top:5px;letter-spacing:.02em}
.media-boiler{margin-top:12px;padding:18px 22px;background:var(--travertine);border:1px solid var(--line);border-radius:14px}
.media-boiler p{color:var(--slate);font-size:15px;margin:0}
@media(max-width:640px){.keynums{gap:18px}}
.pt-tool{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px 26px 24px;margin:6px 0}
.pt-q{margin:0 0 16px}
.pt-q label{display:block;font-weight:600;color:var(--deep);font-size:15px;margin-bottom:7px}
.pt-q select{width:100%;padding:11px 13px;border:1px solid var(--line);border-radius:10px;background:#fff;font-size:15px;color:var(--ink,#0E2444);font-family:inherit}
.pt-q select:focus{outline:2px solid var(--sky-2);border-color:var(--sky-2)}
.pt-run{margin-top:4px}
.pt-result{display:none;margin-top:22px}
.pt-verdict{border-radius:14px;padding:18px 22px;display:flex;flex-direction:column;gap:4px}
.pt-verdict b{font-family:var(--serif);font-size:19px}
.pt-verdict span{font-size:14px}
.pt-verdict.stop{background:#FBEDEC;border:1px solid #E7C3BE;color:#7C2D26}
.pt-verdict.caution{background:#FBF4EA;border:1px solid #EAD9BE;color:#7A5A22}
.pt-verdict.clear{background:#EDF6EF;border:1px solid #C3E0CC;color:#26603F}
.pt-flags{list-style:none;padding:0;margin:16px 0 0}
.pt-flags li{position:relative;padding:12px 14px 12px 16px;margin:9px 0;border-radius:11px;font-size:14.5px;line-height:1.55;border-left:4px solid}
.pt-flags li.stop{background:#FBEDEC;border-left-color:#C0483C;color:#5F2822}
.pt-flags li.caution{background:#FBF4EA;border-left-color:#C79A44;color:#5E4720}
.pt-rule{display:block;font-size:12px;font-weight:700;letter-spacing:.02em;text-transform:uppercase;opacity:.75;margin-bottom:3px}
.pt-note{font-size:13px;color:var(--muted);margin-top:16px;border-top:1px solid var(--line);padding-top:12px}
.exp-filter{display:flex;flex-wrap:wrap;gap:8px;margin:2px 0 22px}
.exp-filter button{border:1px solid var(--line);background:#fff;padding:8px 16px;border-radius:999px;font-size:14px;color:var(--deep);cursor:pointer;font-family:inherit;font-weight:600}
.exp-filter button.on{background:var(--deep);color:#fff;border-color:var(--deep)}
.exp-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:16px}
.exp-card{border:1px solid var(--line);border-radius:14px;padding:18px 18px 16px;background:#fff;display:flex;flex-direction:column}
.exp-card h3{font-family:var(--serif);color:var(--deep);font-size:18px;margin:0 0 5px}
.exp-card p{color:var(--slate);font-size:14px;margin:0 0 12px;flex:1;line-height:1.5}
.exp-tags{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:13px}
.exp-tag{font-size:11px;font-weight:600;color:var(--deep-2);background:var(--travertine);border:1px solid var(--line);padding:3px 9px;border-radius:999px}
.exp-links{display:flex;gap:16px;font-size:13.5px}
.redflag-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:12px 0 6px}
.redflag{background:#FBF4EE;border:1px solid #EAD9C6;border-left:4px solid #C79A44;border-radius:12px;padding:15px 18px}
.redflag h3{margin:0 0 5px;color:#7A5A22;font-size:15.5px}
.redflag p{margin:0;color:var(--slate);font-size:14px;line-height:1.5}
.tool-row{display:grid;grid-template-columns:1fr 1fr 1fr;gap:14px;margin:12px 0}
.tool-card{border:1px solid var(--line);border-radius:12px;padding:16px 18px;background:#fff}
.tool-card h3{margin:0 0 4px;font-size:15px;color:var(--deep)}
.tool-card p{margin:0 0 8px;font-size:13.5px;color:var(--slate);line-height:1.5}
@media(max-width:820px){.exp-grid,.redflag-grid,.tool-row{grid-template-columns:1fr}}
.worked{background:var(--travertine);border:1px solid var(--line);border-left:4px solid var(--sky-2);border-radius:12px;padding:16px 20px;margin:10px 0 6px}
.worked p{margin:0;color:var(--slate)}
.mistakes{background:#FBF4EE;border:1px solid #EAD9C6;border-radius:12px;padding:4px 20px 12px;margin:10px 0 6px}
.mistakes .checklist li:before{border-color:#B4854B}
.authorities{list-style:none;padding:0;margin:8px 0;font-size:13.5px;color:var(--muted)}
.authorities li{position:relative;padding-left:20px;margin:6px 0;line-height:1.55}
.authorities li:before{content:"";position:absolute;left:4px;top:8px;width:5px;height:5px;background:var(--sky-2);border-radius:50%}
.forms-list li:before{border-color:var(--sky-2)}
.checklist{list-style:none;padding:0;margin:10px 0 4px}
.checklist li{position:relative;padding-left:28px;margin:11px 0;color:var(--slate);font-size:15.5px;line-height:1.6}
.checklist li:before{content:"";position:absolute;left:3px;top:7px;width:9px;height:5px;border:2px solid var(--sky-2);border-top:0;border-right:0;transform:rotate(-45deg)}
.checklist.warn li:before{border-color:#B4854B}
.rel-links{display:flex;flex-wrap:wrap;gap:9px 20px;margin-top:10px}
.rel-links a{color:var(--deep);font-weight:600;font-size:14.5px;text-decoration:none;border-bottom:1px solid var(--sky-2);padding-bottom:1px}
.rel-links a:hover{border-bottom-width:2px}
.asset-tag{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--sky-2);margin-bottom:2px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.pathcards .tile{gap:6px}
.cblock{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 22px}
.cblock h4{font-family:var(--serif);color:var(--deep);font-size:16px;margin:0 0 6px}
.cblock p{font-size:14.5px;color:var(--slate);margin:2px 0}
.cblock .meta{font-size:12.5px;color:var(--muted);margin-top:6px}
.tagrow{display:flex;flex-wrap:wrap;gap:9px;margin-top:20px}
.tag{display:inline-block;padding:8px 14px;border:1px solid var(--line-deep);border-radius:999px;background:var(--deep);color:var(--sky);font-size:13px;font-weight:600}
@media(max-width:900px){.grid-4{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.grid-4{grid-template-columns:1fr}}
.faq-nav{display:flex;flex-wrap:wrap;gap:8px 10px;margin:0 0 28px}
.faq-nav a{font-size:13.5px;font-weight:600;color:var(--deep);text-decoration:none;padding:7px 13px;border:1px solid var(--line);border-radius:999px;background:#fff;transition:border-color .15s,background .15s}
.faq-nav a:hover{border-color:var(--sky-2);background:var(--travertine)}
.related{margin-top:32px;padding:20px 22px;background:var(--travertine);border:1px solid var(--line);border-radius:14px}
.related h4{margin:0 0 12px;font-family:var(--serif);color:var(--deep);font-size:15px}
.related a{display:inline-block;margin:0 16px 8px 0;color:var(--deep);font-weight:600;font-size:14px;border-bottom:1px solid var(--sky)}
.acct-cta{margin-top:26px}
.form{display:grid;gap:14px;max-width:560px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field label{display:block;font:600 13px var(--sans);color:var(--deep);margin-bottom:6px}
.field input,.field textarea,.field select{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;font:400 15px var(--sans);background:#fff;color:var(--ink)}
.field textarea{min-height:120px;resize:vertical}
.offices-list{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:8px}
.office2{border:1px solid var(--line);border-radius:12px;padding:18px}
.office2 b{color:var(--deep);font-size:15px}.office2 a{display:block;color:var(--slate);font-size:14px;margin-top:4px;text-decoration:none}
.calc{background:var(--travertine);border:1px solid var(--line);border-radius:16px;padding:26px;max-width:640px}
.calc .row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:14px}
.calc .out{font-family:var(--serif);font-size:40px;color:var(--deep);font-weight:600;margin-top:8px}
.yr{display:inline-block;font:600 11px var(--sans);color:var(--sky-2);background:#EEF4FB;border:1px solid #D6E6F5;border-radius:8px;padding:3px 9px;margin-left:6px;vertical-align:middle}
.calc-tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:20px}
.calc-tab{font:600 14px var(--sans);color:var(--deep);background:#fff;border:1px solid var(--line);border-radius:999px;padding:9px 18px;cursor:pointer}
.calc-tab.on{background:var(--deep);color:#fff;border-color:var(--deep)}
.calc-panel{display:none}.calc-panel.on{display:block}
.req{color:#b8860b;margin-left:2px}
.consent{display:flex;align-items:flex-start;gap:10px;margin-top:4px;color:var(--slate);font-size:14px;line-height:1.45;cursor:pointer}
.consent input{width:16px;height:16px;margin-top:3px;accent-color:var(--deep);flex:none}
.msg{display:none;margin-top:18px;padding:14px 16px;border-radius:12px;font-size:14px;line-height:1.5}
.msg.show{display:block}
.msg.ok{background:#E9F7F0;border:1px solid #9BD7BB;color:#1c6b45}
.msg.info{background:#FBF1D9;border:1px solid #EAD9A8;color:#6b5115}
.msg.err{background:#FBEBEB;border:1px solid #E6B4B4;color:#8a2b2b}
.hp-field{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.form-note{color:var(--muted);font-size:12.5px;margin-top:10px}
.foot-disclaimer{padding-top:22px;margin-top:18px;border-top:1px solid var(--line-deep)}
.foot-disclaimer p{font-size:11px;color:#7E97A6;line-height:1.6;margin:0 0 8px}
.foot-social{display:flex;gap:11px;margin-top:16px}
.foot-social a{width:34px;height:34px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;background:rgba(166,215,240,.12);border:1px solid var(--line-deep)}
.foot-social a:hover{background:rgba(166,215,240,.22)}
.foot-social svg{width:16px;height:16px;fill:var(--sky)}
@media(max-width:820px){.grid-2,.grid-3,.calc .row,.form .row,.offices-list{grid-template-columns:1fr}}

.nda-form{margin:10px 0 6px;max-width:660px}
.nda-check{display:flex;gap:10px;align-items:flex-start;margin:8px 0 16px;font-size:14px;color:var(--slate)}
.nda-check input{margin-top:3px;flex:none}
.nda-actions{display:flex;gap:12px;flex-wrap:wrap}
.nda-accepted{margin-top:12px;padding:22px 24px;border:1px solid var(--line);border-left:4px solid var(--deep);border-radius:12px;background:#F7FAFC}
.nda-accepted h2{margin-top:0}
.nda-eyebrow{font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--sky-2);font-weight:600;margin-bottom:10px}
.nda-fine{font-size:12px;color:var(--muted);margin-top:16px;line-height:1.6}
#ndaDoc h3{font-family:var(--serif);color:var(--deep);font-size:17px;margin:22px 0 4px}
@media print{.ribbon,header,footer.site,.disclosures,.foot-disclaimer,.nda-actions,.nda-check{display:none!important}}