:root{--navy:#112737;--navy2:#1d394b;--gold:#c5984f;--ink:#1a3141;--muted:#64747f;--line:#dce2e5;--paper:#f6f7f5;--green:#237567;--white:#fff;--red:#ab3441}*{box-sizing:border-box}body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:15px;line-height:1.55}button,input,select,textarea{font:inherit}button{cursor:pointer}button,a,input,select,textarea{touch-action:manipulation}button:focus-visible,a:focus-visible{outline:3px solid var(--gold);outline-offset:4px}input:focus,select:focus,textarea:focus{outline:2px solid #456b80;outline-offset:1px}button{color:inherit}.skip{position:fixed;top:-100px;left:20px;z-index:9;background:white;padding:12px}.skip:focus{top:10px}.sidebar{background:var(--navy);color:#fff;width:266px;position:fixed;inset:0 auto 0 0;display:flex;flex-direction:column;padding:32px 25px 24px;z-index:4}.brand{display:flex;gap:13px;align-items:center;background:none;border:0;color:white;text-align:left;padding:0}.brand img{width:48px;height:50px;object-fit:contain}.brand strong{font-size:31px;font-weight:600;letter-spacing:-1px;line-height:1.1;display:block}.gold{color:var(--gold)}.brand small{font-size:8px;letter-spacing:1.5px;display:block;margin-top:7px}.workspace-label{font-size:8px;letter-spacing:1.3px;color:#a7b4bc;margin-top:27px}.side-rule{height:1px;background:#ffffff1f;margin:24px 0 30px}.side-eyebrow{font-size:10px;color:#92a5b1;letter-spacing:1.7px;font-weight:bold;margin-bottom:17px}.side-home{display:flex;gap:12px;align-items:center;background:#ffffff0c;border:1px solid #ffffff14;border-radius:7px;padding:13px;color:white;width:100%;text-align:left;font-size:13px}.side-home svg{width:19px;color:#d4b075}.side-subtext{font-size:12px;color:#9bafb9;line-height:1.8;margin:20px 12px}.side-guide{border-left:1px solid #ffffff25;margin:40px 0 0 15px;padding-left:22px}.side-guide div{margin:23px 0;color:#aebdc6;font-size:12px}.side-guide strong{color:white;font-weight:500;display:block;font-size:13px}.side-bottom{margin-top:auto;border-top:1px solid #ffffff1c;padding-top:24px;display:flex;align-items:center;gap:10px}.advisor-avatar{width:34px;height:34px;border-radius:50%;background:#304653;border:1px solid #ffffff1b;color:#e1c08b;display:grid;place-items:center;font-size:11px}.side-bottom strong{display:block;font-size:12px;font-weight:500}.side-bottom small{display:block;color:#98adb9;font-size:10px}.icon-button{margin-left:auto;border:1px solid #ffffff25;background:none;color:#c7d4dc;width:26px;height:26px;border-radius:5px}.side-location{font-size:8px;color:#8ca1ae;letter-spacing:1.5px;margin:20px 0 0 44px}.page{margin-left:266px}.topbar{height:83px;border-bottom:1px solid var(--line);display:flex;align-items:center;gap:25px;padding:0 48px;background:#ffffffb3}.breadcrumb{font-size:12px;color:#7c8790}.breadcrumb span{margin:0 12px;color:#bbc2c5}.breadcrumb 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#cad7d0;background:#f8faf8;border-radius:4px;padding:4px 7px}.home-visual .card-type{color:#8b7653;border-color:#ddd3bd;background:#faf8f2}.card-body{padding:24px 25px 22px;display:flex;flex-direction:column;flex:1}.card-heading{display:flex;justify-content:space-between;align-items:center}.card-heading h2{font-family:Georgia,serif;font-weight:400;font-size:25px;letter-spacing:-.4px;margin:0}.time{color:#8a969b;font-size:10px;white-space:nowrap}.card-body p{font-size:12px;line-height:1.8;color:var(--muted);margin:10px 0 17px;max-width:335px}.card-topics{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:24px}.card-topics span{font-size:9px;color:#60727c;background:#f4f6f5;border-radius:4px;padding:4px 8px}.button{border-radius:6px;padding:12px 18px;border:1px solid #cfd9dd;background:white;font-weight:600;font-size:12px;line-height:1.5;display:inline-flex;align-items:center;justify-content:center;gap:12px;min-height:44px}.button.primary{background:var(--navy);color:white;border-color:var(--navy)}.button.primary:hover{background:#254456}.button.outline:hover{background:#f0f4f3}.button .arrow{margin-left:auto;font-size:17px;font-weight:400}.coverage-card .button{width:100%;margin-top:auto;text-align:left;justify-content:flex-start}.process{display:grid;grid-template-columns:1fr 1fr 1fr;margin:31px 0 24px;border-bottom:1px solid var(--line);padding-bottom:27px;gap:20px}.process-item{display:flex;gap:12px}.process-num{border:1px solid #d9dfdc;border-radius:50%;width:25px;height:25px;display:grid;place-items:center;flex-shrink:0;font-size:9px;color:#8b754e}.process-item h3{font-size:11px;font-weight:600;margin:2px 0 4px}.process-item 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25px}.progress-fill{height:3px;background:var(--gold);border-radius:5px;transition:width .2s}.form-layout h1{font-size:35px;margin:14px 0 10px}.form-description{font-size:13px;color:var(--muted);margin:0 0 23px}.form-card{border:1px solid var(--line);background:white;border-radius:9px;padding:29px 30px;margin-bottom:20px}.section-title{font-size:13px;font-weight:600;margin:0 0 19px;display:flex;align-items:center;justify-content:space-between}.section-hint{font-size:11px;color:var(--muted);margin:-10px 0 20px}.fields{display:grid;grid-template-columns:1fr 1fr;gap:20px}.field{min-width:0}.field.full{grid-column:1/-1}label,legend{font-size:11px;font-weight:600;color:#3a5261;display:block;margin-bottom:7px}.req{color:#9c773c;margin-left:3px}input,select,textarea{width:100%;background:#fcfdfc;color:#283f4e;border:1px solid #cad5da;border-radius:5px;padding:11px 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p{font-size:13px;color:var(--muted);line-height:1.8}dialog .button{width:100%;margin-top:15px}.toast{position:fixed;bottom:25px;left:50%;transform:translateX(-50%);background:var(--navy);color:white;border-radius:7px;padding:11px 18px;font-size:12px;z-index:15;display:none}.toast.show{display:block}#main:focus{outline:0}.mobile-progress{display:none}.print-only{display:none}
@media(min-width:1600px){main{padding-top:65px}.card-visual,.card-visual svg{height:185px}.welcome-line{margin-bottom:42px}.card-body{padding:30px}.process{margin-top:36px}h1{font-size:49px}}
@media(max-width:1190px){.sidebar{width:230px;padding:30px 20px}.page{margin-left:230px}.topbar{padding:0 32px;gap:16px}main{padding:36px 32px 25px}.footer{padding:24px 32px}.card-heading{display:block}.time{display:block;margin-top:5px}.edition{display:none}h1{font-size:39px}.process{gap:14px}.card-body{padding:22px}}
@media(max-width:900px){.sidebar{width:205px;padding:25px 16px}.brand strong{font-size:27px}.brand img{width:39px;height:43px}.brand small{font-size:6px}.workspace-label{font-size:7px;letter-spacing:.9px}.page{margin-left:205px}.topbar{padding:0 25px}.help-link{display:none}main{padding:30px 25px}.footer{padding:20px 25px}.coverage-grid{gap:15px}.card-body{padding:18px}.card-heading h2{font-size:23px}.process{grid-template-columns:1fr;gap:15px}.process-item p{font-size:11px}.form-card{padding:24px}.fields{gap:17px}.subcard{padding:16px}.private-tag{font-size:9px}.breadcrumb{font-size:10px}.breadcrumb span{margin:0 6px}}
@media(max-width:680px){.sidebar{display:none}.page{margin:0}.topbar{height:68px;padding:0 22px;gap:10px}.breadcrumb{display:none}.mobile-brand{display:block;border:0;background:none;font-weight:bold;letter-spacing:-1px;font-size:25px;padding:0}.mobile-brand span{color:var(--gold)}.private-tag{font-size:9px;padding:4px 7px}main{padding:31px 20px 25px;min-height:calc(100vh - 155px)}h1{font-size:36px;line-height:1.16;max-width:360px}.intro{font-size:13px}.welcome-line{margin-bottom:26px}.coverage-grid{grid-template-columns:1fr;gap:20px}.card-visual,.card-visual svg{height:135px}.card-body{padding:23px}.card-heading{display:flex}.time{margin:0}.card-body p{font-size:12px;max-width:none}.process{margin:26px 0 23px;gap:19px}.process-item h3{font-size:12px}.process-item p{font-size:11px}.process-num{width:29px;height:29px}.privacy-strip{padding:16px}.privacy-strip p{font-size:11px}.footer{padding:20px;font-size:9px;gap:10px}.footer>span:nth-child(2){display:none}.form-layout h1{font-size:31px}.fields{grid-template-columns:1fr;gap:20px}.form-card{padding:22px 18px}.field.full{grid-column:auto}.form-description{font-size:12px}.required-note{display:none}.form-nav .button{padding:12px 17px}.subcard{padding:20px 15px}.subcard .fields{gap:20px}.choice{flex:1;justify-content:center;padding:9px 12px}.review-rows{padding:7px 18px 15px}.review-row{grid-template-columns:1fr;gap:4px;font-size:12px}.review-head{padding:17px 18px}.review-subtitle{padding:13px 18px 0}.mobile-progress{display:flex;gap:6px;flex-wrap:wrap;font-size:10px;color:#788b96;margin-bottom:20px;align-items:center}.mobile-progress button{border:0;background:none;color:#54717d;padding:5px;font-size:10px}.mobile-progress button.current{font-weight:bold;color:#152e3d}.mobile-progress button:disabled{opacity:.5;cursor:default}.complete-banner{padding:15px 0}.complete-banner h1{font-size:33px}.complete-banner p{font-size:12px}.completion-actions{display:grid}.completion-actions .button{width:100%}.browser-note{font-size:10px;line-height:1.8}.form-top{gap:10px}.form-top .eyebrow{font-size:8px;letter-spacing:1.2px}.step-counter{white-space:nowrap}.toast{width:calc(100% - 40px);text-align:center}.check-line{font-size:11px}.section-title{font-size:13px}.small-notice{font-size:11px}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{body{background:white;font-size:10px}.sidebar,.topbar,.footer,.no-print,.form-nav,.browser-note,.progress-track,.mobile-progress,.complete-banner,.completion-actions{display:none!important}.page{margin:0}main{padding:0;max-width:none;min-height:0}.print-only{display:block}.form-layout{max-width:none}.form-card{break-inside:avoid;border-radius:0;margin-bottom:15px}.review-row{padding:5px 0;font-size:9px;grid-template-columns:43% 57%}.review-head{padding:10px 20px}.review-rows{padding:0 20px 10px}.review-head button{display:none}.print-only h1{font-size:22px}.print-only p{font-size:10px}.privacy-strip{display:none}}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.hint:empty{display:none}
@media(max-width:680px){input,select,textarea{font-size:16px}label,legend{font-size:12px}.choice{font-size:13px}.mobile-progress button{min-height:32px}.hint{font-size:11px}}
.coverage-section-heading{display:flex;align-items:center;justify-content:space-between;gap:12px;margin:0 0 16px}.coverage-section-heading h2{font-family:Georgia,serif;font-weight:400;font-size:23px;line-height:1.3;margin:0}.coverage-section-heading>span{font-size:8px;font-weight:600;letter-spacing:1.4px;color:#8b9695;white-space:nowrap}.business-section{margin-top:38px}.business-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.business-card{border:1px solid #d9dfdf;border-radius:10px;background:white;padding:24px;display:flex;flex-direction:column;transition:transform .2s,box-shadow .2s}.business-card:hover{transform:translateY(-2px);box-shadow:0 10px 20px #152e3c08}.business-card-top{display:flex;align-items:center;gap:10px;margin-bottom:18px}.business-icon{width:43px;height:43px;background:#f3f1e9;color:#8b7652;border:1px solid #e6dfce;border-radius:9px;display:grid;place-items:center}.business-icon svg{width:27px;height:27px}.business-code{font-size:10px;color:#8a7551;letter-spacing:1px;font-weight:600}.business-card-top .time{margin-left:auto}.business-card h3{font-family:Georgia,serif;font-weight:400;font-size:23px;line-height:1.3;letter-spacing:-.4px;margin:0}.business-card p{font-size:12px;line-height:1.8;color:var(--muted);margin:11px 0 16px;max-width:355px}.business-card .button{width:100%;justify-content:flex-start;text-align:left;margin-top:auto}.business-card .card-topics{margin-bottom:21px}.business-section+.process{margin-top:32px}.business-card:nth-child(2) .business-icon,.business-card:nth-child(3) .business-icon{color:#4d7267;background:#edf3ed;border-color:#dce7dd}
@media(max-width:900px){.business-card{padding:20px}.coverage-section-heading h2{font-size:21px}.coverage-section-heading>span{display:none}.business-card-top .time{font-size:9px}.business-grid{gap:15px}}
@media(max-width:680px){.business-grid{grid-template-columns:1fr;gap:17px}.business-card{padding:23px}.business-section{margin-top:31px}.business-card-top .time{font-size:10px}.coverage-section-heading h2{font-size:24px}.business-card h3{font-size:24px}.business-card .button{font-size:12px}}
@media(max-width:380px){.form-nav{display:grid;grid-template-columns:1fr}.form-nav>.button{order:2;width:100%}.form-nav .nav-right{width:100%;margin:0}.form-nav .nav-right>.button{width:100%}}
.disability-card{grid-column:1/-1}.disability-card p{max-width:650px}.disability-card .button{max-width:340px}
@media(max-width:680px){.disability-card .button{max-width:none}}