:root{--teal:#0e3b43;--teal2:#145561;--ink:#1b2326;--muted:#4b5a5e;--bg:#fbf8f3;--card:#fff;--line:#e4ddd2;--gold:#f2b705;--gold-h:#d99f00;--mint:#e6f2ef;--warn:#fff4d6;--max:1100px;--serif:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,serif}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{color:var(--ink);background:var(--bg);overflow-wrap:break-word;margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;font-size:17px;line-height:1.65}h1,h2,h3{font-family:var(--serif);color:var(--teal);line-height:1.2}h1{margin:.2em 0 .4em;font-size:clamp(1.75rem,5vw,2.7rem)}h2{margin:1.6em 0 .5em;font-size:clamp(1.35rem,3.6vw,1.8rem)}h3{margin:1.2em 0 .3em;font-size:1.15rem}a{color:#0b5c69;text-underline-offset:2px}a:hover{color:#06343b}:focus-visible{outline-offset:3px;outline:3px solid #0b5c69}img,svg{max-width:100%}.wrap{max-width:var(--max);margin:0 auto;padding:0 18px}.skip{position:absolute;left:-9999px}.skip:focus{z-index:99;background:#fff;padding:8px 12px;top:10px;left:10px}.head{background:var(--teal);color:#fff;z-index:40;position:sticky;top:0}.head-in{flex-wrap:wrap;align-items:center;gap:6px 18px;padding:10px 18px;display:flex}.brand{color:#fff;font-family:var(--serif);flex:220px;align-items:center;gap:8px;min-width:0;font-size:1.08rem;font-weight:700;line-height:1.2;text-decoration:none;display:flex}.brand:hover{color:#fff}.nav{flex-wrap:wrap;gap:2px 14px;display:flex}.nav a{color:#fff;align-items:center;min-height:44px;padding:10px 2px;font-size:.95rem;text-decoration:none;display:inline-flex}.nav a:hover{color:#fff;text-decoration:underline}.head :focus-visible,.band :focus-visible,.foot :focus-visible,.callbar :focus-visible{outline-color:var(--gold)}.head-call{background:var(--gold);color:#1b1b1b;white-space:nowrap;border-radius:999px;align-items:center;min-height:44px;padding:10px 16px;font-weight:800;text-decoration:none;display:inline-flex}.head-call:hover{background:var(--gold-h);color:#000}@media (width<=768px){.head{position:static}.head-call{display:none}.head-in{padding:8px 16px}.nav{gap:0 16px;width:100%}}.call{flex-direction:column;align-items:flex-start;gap:6px;display:inline-flex}.btn{background:var(--gold);color:#161616;border-radius:999px;align-items:center;gap:10px;min-height:52px;padding:14px 26px;font-size:1.15rem;font-weight:800;text-decoration:none;display:inline-flex;box-shadow:0 3px #b98700}.btn:hover{background:var(--gold-h);color:#000}.call-lg .btn{padding:16px 30px;font-size:1.35rem}.avail{color:var(--muted);margin:0;font-size:.9rem}.call-light .avail{color:#d8ecea}.hero{background:linear-gradient(160deg,var(--teal) 0%,var(--teal2) 70%);color:#fff;padding:34px 0 40px}.hero h1{color:#fff}.hero p.lead{color:#e4f1ef;max-width:42em;margin:0 0 20px;font-size:1.12rem}.hero .kicker{text-transform:uppercase;letter-spacing:.08em;color:var(--gold);margin:0;font-size:.8rem;font-weight:700}.facts{grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px;margin-top:26px;display:grid}.fact{color:#e9f4f2;background:#ffffff14;border:1px solid #ffffff2e;border-radius:12px;padding:12px 14px;font-size:.93rem}.fact b{color:#fff;font-size:1.25rem;font-family:var(--serif);display:block}.fact a{color:#ffe08a}.section{padding:8px 0 24px}.prose{max-width:46em}.prose li{margin:.3em 0}.cards{grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px;margin:14px 0;display:grid}.card{background:var(--card);border:1px solid var(--line);border-top:4px solid var(--teal2);border-radius:14px;padding:16px 18px}.card h3{margin-top:0}.card p{color:var(--muted);margin:.3em 0 .6em;font-size:.97rem}.steps{counter-reset:s;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;padding:0;list-style:none;display:grid}.steps li{background:var(--mint);border-radius:14px;padding:16px 18px 16px 58px;position:relative}.steps li:before{counter-increment:s;content:counter(s);background:var(--teal);color:#fff;border-radius:50%;place-items:center;width:30px;height:30px;font-weight:800;display:grid;position:absolute;top:14px;left:16px}.alert{background:var(--warn);border-left:5px solid var(--gold-h);border-radius:10px;margin:18px 0;padding:14px 16px}.alert h2,.alert h3{margin-top:0}table{border-collapse:collapse;background:#fff;width:100%;margin:12px 0;font-size:.95rem}th,td{border:1px solid var(--line);text-align:left;vertical-align:top;padding:8px 10px}th{background:var(--mint)}.tablewrap{overflow-x:auto}.faq details{border:1px solid var(--line);background:#fff;border-radius:12px;margin:10px 0;padding:0 16px}.faq summary{cursor:pointer;min-height:44px;padding:14px 0;font-weight:700}.faq details>div{padding:0 0 14px}.sources{border-top:1px solid var(--line);margin-top:28px;padding-top:6px;font-size:.92rem}.sources h2{font-size:1.15rem}.sources .checked{color:var(--muted)}.crumbs ol{color:var(--muted);flex-wrap:wrap;gap:4px;margin:0;padding:10px 0 0;font-size:.88rem;list-style:none;display:flex}.crumbs li+li:before{content:"›";margin-right:4px}.band{background:var(--teal);color:#fff;margin-top:30px;padding:26px 0}.band h2{color:#fff;margin-top:0}.band p{color:#dcebe8;margin:.2em 0 0}.band-in{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:18px;display:flex}.chips{flex-wrap:wrap;gap:8px;padding:0;list-style:none;display:flex}.chips li{border:1px solid var(--line);background:#fff;border-radius:999px;padding:4px 12px;font-size:.92rem}.foot{color:#cfe0dd;background:#0a2b31;margin-top:0;padding:30px 0 20px;font-size:.95rem}.foot h2{color:#fff;margin:0 0 8px;font-size:1.05rem}.foot ul{margin:0;padding:0;list-style:none}.foot li{margin:4px 0}.foot a{color:#e3efed}.foot-grid{grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px;display:grid}.foot-phone a{color:var(--gold);font-size:1.15rem;font-weight:800}.foot-legal{border-top:1px solid #ffffff26;margin-top:20px;padding-top:12px}.disclaimer{color:#fff}.callbar{display:none}@media (width<=768px){body{padding-bottom:calc(72px + env(safe-area-inset-bottom))}.callbar{z-index:60;background:var(--teal);padding:8px 12px calc(8px + env(safe-area-inset-bottom));display:block;position:fixed;bottom:0;left:0;right:0;box-shadow:0 -2px 12px #00000040}.callbar a{background:var(--gold);color:#161616;border-radius:12px;justify-content:center;align-items:center;gap:10px;min-height:52px;font-size:1.2rem;font-weight:800;text-decoration:none;display:flex}}@media (width<=360px){body{font-size:16px}.wrap,.head-in{padding-left:14px;padding-right:14px}.btn{padding:14px 18px;font-size:1.05rem}.call-lg .btn{padding:14px 20px;font-size:1.15rem}}