:root{--navy:#092b3b;--navy2:#123e50;--blue:#155f7c;--blue2:#0f526b;--gold:#d69c3c;--teal:#dff1ed;--paper:#f5f8f7;--ink:#163543;--muted:#607580;--line:#d9e3e5;--white:#fff;--shadow:0 14px 36px rgba(11,48,65,.09);font-family:Inter,"Segoe UI",Arial,sans-serif;color:var(--ink);background:var(--paper)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;line-height:1.6}a{color:var(--blue);text-decoration:none}a:hover{color:#a46a10}button,input{font:inherit}.container{width:min(1160px,calc(100% - 48px));margin-inline:auto}.skip-link{position:absolute;top:-60px;left:16px;background:#fff;padding:10px;z-index:20}.skip-link:focus{top:12px}.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}
.independence{background:var(--navy);color:#d8e6e9;font-size:12px;text-align:center;padding:6px 0;letter-spacing:.015em}.header{background:#fff;position:relative;z-index:3;border-bottom:1px solid #e6eded}.header-row{height:80px;display:flex;align-items:center;justify-content:space-between;gap:32px}.brand{display:flex;align-items:center;gap:10px;color:var(--navy);font-size:21px;font-weight:850;line-height:1.05;letter-spacing:-.7px}.brand img{flex:none}.brand-accent{color:var(--blue)}.brand small{display:block;margin-top:5px;font-size:8px;letter-spacing:1.35px;font-weight:750;color:#69808a}.main-nav{display:flex;align-items:center;gap:32px;font-size:14px;font-weight:650}.main-nav>a:not(.nav-cta){color:#294958}.nav-cta{border:1px solid #d5e1e5;border-radius:8px;padding:10px 15px;color:var(--blue);font-weight:750}.nav-cta:hover{background:#f2f8f8}.menu-toggle,.mobile-nav{display:none}
.hero{position:relative;overflow:hidden;background:linear-gradient(115deg,#0b374a,#0d5c73);color:#fff;padding:61px 0 54px}.hero:after{content:"";position:absolute;width:440px;height:440px;border:1px solid rgba(255,255,255,.08);border-radius:50%;right:-60px;top:-175px;box-shadow:0 0 0 65px rgba(255,255,255,.025),0 0 0 130px rgba(255,255,255,.018)}.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.12fr .88fr;gap:64px;align-items:center}.kicker,.eyebrow{font-weight:800;font-size:11px;letter-spacing:1.25px}.kicker{color:#b8dfd9;display:flex;gap:9px;align-items:center}.kicker-dot{width:7px;height:7px;background:var(--gold);border-radius:50%}.hero h1{font-size:clamp(36px,4vw,54px);line-height:1.08;letter-spacing:-1.9px;max-width:650px;margin:18px 0 18px}.hero h1 em{font-style:normal;color:#e9b451}.hero-copy>p{max-width:600px;color:#d5e4e8;font-size:17px;margin:0 0 24px}.hero-meta{font-size:13px;color:#d5e5e7;display:flex;align-items:center;gap:8px}.meta-check{display:grid;place-items:center;width:20px;height:20px;border-radius:50%;background:#c9eee4;color:#145b57;font-size:12px;font-weight:900}.search-panel{background:white;color:var(--ink);border-radius:16px;padding:26px 27px 22px;box-shadow:0 20px 55px rgba(0,15,25,.2)}.panel-icon{height:42px;width:42px;background:#e8f3f3;border-radius:12px;display:grid;place-items:center;color:var(--blue)}svg{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}.search-panel h2{font-size:21px;line-height:1.2;margin:15px 0 4px;letter-spacing:-.45px}.search-panel>p{color:var(--muted);font-size:13px;margin:0 0 17px}.search-form{height:51px;display:flex;border:1px solid #cfdde0;border-radius:8px;overflow:hidden;box-shadow:0 3px 10px #092b3b0d}.search-form:focus-within{outline:3px solid #d8edf0;border-color:#4c91a2}.search-form input{border:0;outline:0;padding:0 14px;min-width:0;flex:1;color:var(--ink)}.search-form button{width:53px;border:0;background:var(--blue);color:white;display:grid;place-items:center;cursor:pointer}.search-form button:hover{background:var(--navy)}.quick-links{display:flex;gap:12px;align-items:center;margin-top:14px;font-size:11px;flex-wrap:wrap}.quick-links>span{color:#778a92}.quick-links a{background:#edf5f4;border-radius:99px;padding:4px 9px;font-weight:700}.privacy-note{display:flex;gap:8px;align-items:flex-start;border-top:1px solid #edf1f1;padding-top:14px;margin:18px 0 0!important;font-size:11px!important;line-height:1.45;color:#657982!important}.privacy-note svg{width:15px;height:15px;flex:none}.hero-bottom{position:absolute;z-index:1;right:max(calc((100% - 1160px)/2),24px);bottom:14px;display:flex;gap:21px;color:#b8d5d9;font-size:10px;letter-spacing:.09em;text-transform:uppercase;opacity:.72}
.section{padding-top:64px;padding-bottom:62px}.section-head{display:flex;align-items:end;justify-content:space-between;gap:20px;margin-bottom:25px}.eyebrow{color:#98702b}.section h2,.faq-layout h2,.directory-grid h2,.final-cta h2{margin:7px 0 8px;font-size:clamp(26px,3vw,34px);line-height:1.18;letter-spacing:-.9px;color:var(--navy)}.section-head p{margin:0;max-width:670px;color:var(--muted);font-size:15px}.text-link{font-size:13px;font-weight:800;white-space:nowrap}.text-link span{padding-left:5px}.desktop-link{margin-bottom:4px}.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}.service-card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px 22px 19px;min-height:258px;display:flex;flex-direction:column;box-shadow:0 4px 15px #173b4a08;transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease;color:var(--ink)}.service-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#afc6cb;color:var(--ink)}.service-card[hidden]{display:none}.service-icon{width:42px;height:42px;border-radius:11px;display:grid;place-items:center;margin-bottom:15px}.service-blue .service-icon{background:#eaf1fa;color:#355d98}.service-gold .service-icon{background:#faf1df;color:#a47627}.service-teal .service-icon{background:#e7f4ef;color:#28756a}.service-label{font-size:11px;font-weight:750;color:#778b93;text-transform:uppercase;letter-spacing:.45px}.service-card strong{font-size:19px;margin:4px 0 8px;color:var(--navy);letter-spacing:-.3px}.service-description{color:var(--muted);font-size:13px;line-height:1.55}.card-link{display:flex;justify-content:space-between;align-items:center;margin-top:auto;padding-top:17px;color:var(--blue);font-size:13px;font-weight:800}.card-link b{font-size:18px}.more-cases{display:flex;justify-content:space-between;align-items:center;gap:16px;background:#eff4f4;border:1px solid #dce6e6;border-radius:10px;margin-top:17px;padding:15px 19px}.more-cases div{display:flex;gap:12px;align-items:baseline}.more-cases strong{font-size:14px}.more-cases span{color:var(--muted);font-size:13px}.more-cases>a{font-size:12px;font-weight:800;white-space:nowrap}.empty-state{padding:25px;text-align:center;color:var(--muted)}.search-result{font-size:12px;color:var(--muted);min-height:0;margin-top:8px}
.directory-band{background:#e8f1f0;border-block:1px solid #dae7e5;padding:36px 0}.directory-grid{display:grid;grid-template-columns:60px 1fr auto;gap:21px;align-items:center}.directory-mark{height:58px;width:58px;border-radius:15px;background:#d4e7e3;color:#185c67;display:grid;place-items:center}.directory-mark svg{width:32px;height:32px}.directory-grid h2{font-size:25px;margin:5px 0}.directory-grid p{font-size:13px;line-height:1.55;color:#526a73;max-width:700px;margin:0}.button{display:inline-flex;align-items:center;justify-content:center;gap:9px;border-radius:8px;padding:12px 17px;font-weight:800;font-size:13px;white-space:nowrap}.button-light{background:white;color:var(--blue);border:1px solid #cadbde}.button-light:hover{background:#f4fafa;color:var(--navy)}.button-primary{background:var(--blue);color:white}.button-primary:hover{background:var(--navy);color:#fff}
.featured-guide{display:grid;grid-template-columns:230px 1fr 48px;gap:26px;align-items:center;border:1px solid var(--line);border-radius:14px;background:#fff;padding:16px;box-shadow:0 6px 20px #163b4a0a;color:var(--ink);transition:box-shadow .2s,transform .2s}.featured-guide:hover{color:var(--ink);box-shadow:var(--shadow);transform:translateY(-2px)}.guide-art{height:188px;border-radius:10px;background:linear-gradient(135deg,#155c71,#0c3447);position:relative;overflow:hidden;padding:21px;color:#fff}.guide-art:after{content:"";position:absolute;width:160px;height:160px;right:-45px;top:-35px;border:1px solid #ffffff24;border-radius:50%;box-shadow:0 0 0 25px #ffffff0d,0 0 0 50px #ffffff09}.art-mark{font-size:31px;letter-spacing:-2px;font-weight:900;color:#e5b253}.art-chip{display:inline-block;margin-top:18px;border:1px solid #ffffff60;border-radius:99px;padding:4px 8px;font-size:9px;letter-spacing:1px}.art-lines{margin-top:14px;display:grid;gap:6px}.art-lines i{display:block;height:4px;width:85%;border-radius:8px;background:#d7e9eb66}.art-lines i:nth-child(2){width:68%}.art-lines i:nth-child(3){width:46%}.guide-copy h3{font-size:22px;line-height:1.25;letter-spacing:-.5px;color:var(--navy);margin:10px 0 8px}.guide-copy>p{color:var(--muted);font-size:13px;max-width:760px;margin:0}.guide-meta{display:flex;gap:18px;flex-wrap:wrap;color:#7a8d94;font-size:9px;font-weight:800;letter-spacing:.65px}.guide-arrow{height:39px;width:39px;display:grid;place-items:center;border-radius:50%;background:#eff5f5;color:var(--blue);font-size:20px;align-self:start}.trust-row{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;border-top:1px solid var(--line);margin-top:34px;padding-top:26px}.trust-row>div{position:relative;padding-left:42px}.trust-number{position:absolute;left:0;top:0;color:#ba842e;font-size:13px;font-weight:900}.trust-row strong{font-size:14px;color:var(--navy)}.trust-row p{font-size:12px;color:var(--muted);margin:4px 0 0;line-height:1.5}
.faq-section{background:#eef3f2;padding:53px 0}.faq-layout{display:grid;grid-template-columns:.72fr 1.28fr;gap:70px}.faq-layout>div:first-child>p{color:var(--muted);font-size:14px;margin:12px 0 20px}.faq-list details{border-bottom:1px solid #d6e1e2;padding:15px 0}.faq-list details:first-child{border-top:1px solid #d6e1e2}.faq-list summary{cursor:pointer;list-style:none;padding-right:24px;font-weight:750;font-size:14px;color:#173b4c;position:relative}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:"+";position:absolute;right:2px;top:0;color:var(--blue);font-size:21px;font-weight:500}.faq-list details[open] summary:after{content:"−"}.faq-list p{font-size:13px;color:var(--muted);margin:10px 22px 0 0}.final-cta{margin-top:50px;margin-bottom:50px;background:#fff;border:1px solid var(--line);border-radius:13px;padding:27px 31px;display:flex;justify-content:space-between;align-items:center;gap:25px}.final-cta h2{font-size:23px}.final-cta p{margin:0;color:var(--muted);font-size:13px}.footer{background:var(--navy);color:#d6e3e6;padding:40px 0 17px}.footer-grid{display:grid;grid-template-columns:1.5fr .7fr 1fr;gap:55px}.brand-footer{color:#fff}.brand-footer .brand-accent{color:#7dc3c4}.brand-footer small{color:#9bb5bb}.footer-brand p{max-width:350px;color:#afc5ca;font-size:12px;line-height:1.6;margin:15px 0 0}.footer-grid>div:not(:first-child){display:flex;flex-direction:column;align-items:flex-start;gap:9px;font-size:12px}.footer-grid>div>strong{font-size:13px;color:#fff;margin:4px 0}.footer-grid a:not(.brand){color:#afc5ca}.footer-grid a:hover{color:#fff}.footer-bottom{border-top:1px solid #ffffff24;margin-top:31px;padding-top:14px;display:flex;justify-content:space-between;gap:15px;color:#94adb4;font-size:10px}.footer-bottom a{color:#d9e7e8}
@media(max-width:850px){.hero-grid{gap:32px}.hero h1{font-size:42px}.main-nav{gap:18px}.directory-grid{grid-template-columns:56px 1fr}.directory-grid .button{grid-column:2;justify-self:start}.faq-layout{gap:38px}.featured-guide{grid-template-columns:180px 1fr 38px}.guide-art{height:170px}.footer-grid{gap:32px}}
@media(max-width:650px){.container{width:min(100% - 32px,540px)}.independence{font-size:10px}.header-row{height:68px}.brand{font-size:18px}.brand img{width:36px;height:36px}.main-nav{display:none}.menu-toggle{display:block;border:1px solid var(--line);border-radius:7px;background:#fff;color:var(--navy);padding:8px 11px;font-weight:700;font-size:12px}.mobile-nav{display:none;padding:0 0 13px;gap:8px;flex-wrap:wrap}.mobile-nav.is-open{display:flex}.mobile-nav a{padding:7px 10px;border-radius:6px;background:#f2f6f6;font-size:12px;font-weight:700}.hero{padding:41px 0 38px}.hero-grid{grid-template-columns:1fr;gap:25px}.hero h1{font-size:37px;letter-spacing:-1.35px;margin:15px 0}.hero-copy>p{font-size:15px}.search-panel{padding:21px}.hero-bottom{display:none}.section{padding-top:43px;padding-bottom:42px}.section-head{align-items:flex-start;margin-bottom:19px}.section-head h2{font-size:27px}.section-head p{font-size:13px}.desktop-link{display:none}.service-grid{grid-template-columns:1fr;gap:11px}.service-card{min-height:0;padding:17px}.service-icon{margin-bottom:10px}.service-description{max-width:450px}.card-link{padding-top:12px}.more-cases{align-items:flex-start;flex-direction:column}.more-cases div{display:block}.more-cases strong,.more-cases span{display:block}.more-cases>a{white-space:normal}.directory-band{padding:27px 0}.directory-grid{grid-template-columns:45px 1fr;gap:12px}.directory-mark{height:43px;width:43px;border-radius:12px}.directory-mark svg{width:25px}.directory-grid h2{font-size:21px}.directory-grid p{font-size:12px}.directory-grid .button{grid-column:1/-1;margin-top:6px;width:100%}.featured-guide{grid-template-columns:1fr;gap:15px;padding:12px}.guide-art{height:134px}.guide-copy{padding:2px 4px 7px}.guide-copy h3{font-size:19px}.guide-meta{gap:7px}.guide-arrow{display:none}.trust-row{grid-template-columns:1fr;gap:17px;margin-top:25px}.faq-section{padding:40px 0}.faq-layout{grid-template-columns:1fr;gap:20px}.faq-layout h2{font-size:27px}.final-cta{margin-top:30px;margin-bottom:30px;padding:21px;display:block}.final-cta h2{font-size:21px}.final-cta .button{width:100%;margin-top:16px}.footer-grid{grid-template-columns:1fr 1fr;gap:24px}.footer-brand{grid-column:1/-1}.footer-bottom{display:block;line-height:1.8}.footer-bottom span{display:block}}
.guide-main{padding-bottom:68px}.crumbs{padding:22px 0 8px;color:#70858d;font-size:12px}.crumbs a{color:#607780}.guide-page .hero{display:block;background:transparent;color:var(--ink);padding:25px 0 24px;overflow:visible}.guide-page .hero:after{display:none}.guide-page .hero h1{color:var(--navy);font-size:clamp(33px,4vw,48px);max-width:900px}.guide-page .hero .lead{color:var(--muted);font-size:17px;max-width:790px}.guide-page .eyebrow{color:#98702b}.guide-page .independent{display:inline-flex;align-items:center;gap:8px;margin:8px 0 0;padding:7px 11px;border:1px solid #d4e5e2;border-radius:999px;background:#edf6f4;color:#3b6467;font-size:11px}.guide-page .dot{width:7px;height:7px;border-radius:50%;background:#2d8877}.guide-toc{display:flex;align-items:center;gap:8px;flex-wrap:wrap;margin:0 0 22px;padding:13px 15px;border:1px solid var(--line);background:#fff;border-radius:10px}.guide-toc strong{font-size:11px;color:#70838a;margin-right:5px}.guide-toc a{font-size:11px;font-weight:750;background:#f0f5f5;border-radius:99px;padding:6px 10px;color:#22566a}.guide-toc a:hover{background:#dcebe9}.guide-page .callout{border-left:4px solid #d39c3d;padding:17px 20px;background:#fff8ea;border-radius:0 10px 10px 0;color:#57482c;font-size:13px}.guide-page .callout p{margin:4px 0 0}.guide-page .section{padding:38px 0}.guide-page .section h2{margin:7px 0 10px}.guide-page .section-intro{max-width:780px;color:var(--muted);font-size:14px}.guide-page .cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px;margin-top:18px}.guide-page .card{background:#fff;border:1px solid var(--line);border-radius:11px;padding:20px;box-shadow:0 4px 14px #173b4a08}.guide-page .card .tag{display:block;color:#98702b;font-size:10px;text-transform:uppercase;letter-spacing:.6px;font-weight:800;margin-bottom:10px}.guide-page .card h3{font-size:18px;line-height:1.3;color:var(--navy);margin:0 0 8px}.guide-page .card p{font-size:13px;color:var(--muted);line-height:1.65;margin:0 0 12px}.guide-page .card a{font-size:12px;font-weight:800}.guide-page .decision{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:11px;margin:19px 0}.guide-page .decision div{background:#eaf3f0;border:1px solid #dae9e5;border-radius:9px;padding:15px;font-size:13px;color:#4e6870}.guide-page .decision div:nth-child(even){background:#fbf3e5;border-color:#eee2c9}.guide-page .decision strong{display:block;color:#1b4554;margin-bottom:5px}.guide-page .small{font-size:11px;color:#72858b}.guide-page .steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px;margin-top:19px}.guide-page .step{background:#fff;border:1px solid var(--line);border-top:3px solid var(--blue);border-radius:0 0 10px 10px;padding:17px}.guide-page .step h3{font-size:15px;margin:0 0 7px;color:var(--navy)}.guide-page .step p{font-size:12px;color:var(--muted);margin:0}.guide-page .official{background:var(--navy);border-radius:13px;padding:26px 29px;color:#fff}.guide-page .official h2{color:#fff}.guide-page .official p{color:#d2e1e4;font-size:13px}.guide-page .official .button{display:inline-flex;background:#fff;color:var(--navy);border-radius:7px;padding:11px 14px;font-size:12px}.guide-page .source-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:9px 20px;padding-left:18px}.guide-page .source-list li{font-size:12px;padding-left:2px;color:#56717a}.guide-page .footer{margin-top:0}.guide-page .footer .container{padding-top:20px}
@media(max-width:650px){.guide-main{padding-bottom:40px}.crumbs{padding-top:16px}.guide-page .hero{padding:18px 0 18px}.guide-page .hero h1{font-size:34px}.guide-page .hero .lead{font-size:15px}.guide-toc{gap:6px}.guide-toc strong{flex-basis:100%}.guide-page .section{padding:28px 0}.guide-page .cards,.guide-page .decision,.guide-page .steps,.guide-page .source-list{grid-template-columns:1fr}.guide-page .card{padding:17px}.guide-page .official{padding:21px}.guide-page .official .button{margin:0 5px 8px 0!important}}
.guide-shortcut{display:grid;grid-template-columns:52px 1fr;gap:16px;align-items:start;margin:0 0 28px;padding:20px 22px;background:#fff;border:1px solid var(--line);border-radius:12px;color:var(--ink);box-shadow:0 5px 18px #173b4a08}.guide-shortcut:hover{border-color:#d6b16e;box-shadow:0 8px 24px #173b4a12}.guide-shortcut-icon{width:48px;height:48px;display:grid;place-items:center;border-radius:13px;background:#f5ead5;color:#805616;font-size:24px}.guide-shortcut small,.guide-shortcut strong,.guide-shortcut em,.guide-shortcut b{display:block}.guide-shortcut small{font-size:9px;letter-spacing:.9px;color:#98702b;font-weight:850}.guide-shortcut strong{font-size:19px;color:var(--navy);margin:3px 0 5px}.guide-shortcut em{font-style:normal;color:var(--muted);font-size:13px;line-height:1.55}.guide-shortcut b{margin-top:9px;color:#805616;font-size:12px}
@media(max-width:650px){.guide-shortcut{grid-template-columns:40px 1fr;padding:16px;gap:12px}.guide-shortcut-icon{width:39px;height:39px;font-size:20px}.guide-shortcut strong{font-size:16px}.guide-shortcut em{font-size:12px}}
.footer .legal-footer-grid{display:grid;grid-template-columns:1.35fr repeat(3,minmax(0,1fr));gap:36px}.footer .legal-footer-grid>div:not(:first-child){display:flex;flex-direction:column;align-items:flex-start;gap:9px;font-size:12px}.footer .legal-footer-grid>div>strong{font-size:13px;color:#fff;margin:4px 0}.footer .legal-footer-grid>div>a:not(.brand){color:#afc5ca;text-decoration:none}.footer .legal-footer-grid>div>a:not(.brand):hover{color:#fff;text-decoration:underline}.footer .legal-footer-grid .footer-brand p{max-width:350px;color:#afc5ca;font-size:12px;line-height:1.6;margin:15px 0 0}.footer .legal-footer-grid .brand-footer{color:#fff}.footer .legal-footer-grid .brand-footer .brand-accent{color:#7dc3c4}.footer .legal-footer-grid .brand-footer small{color:#9bb5bb}@media(max-width:850px){.footer .legal-footer-grid{gap:24px;grid-template-columns:1.2fr 1fr 1fr}.footer .legal-footer-grid>div:last-child{grid-column:2/-1}}@media(max-width:650px){.footer .legal-footer-grid{grid-template-columns:1fr 1fr;gap:24px}.footer .legal-footer-grid .footer-brand{grid-column:1/-1}.footer .footer-bottom{display:block;line-height:1.8}.footer .footer-bottom span{display:block}}