:root{--navy:#102f42;--ink:#153446;--muted:#4d6370;--blue:#125f80;--light:#edf5f8;--line:#d5e1e7;--orange:#f9ab55;--white:#fff;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;font-size:16px}*{box-sizing:border-box}body{margin:0;line-height:1.7}a{color:var(--blue);text-underline-offset:4px}a:hover{color:#073e56}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #ca6000;outline-offset:5px}h1,h2,h3{line-height:1.12;letter-spacing:-.035em}h1{font-size:clamp(2.65rem,5.2vw,4.8rem);margin:.6rem 0 1.5rem;max-width:870px}h2{font-size:clamp(1.85rem,3vw,2.8rem);margin:0 0 1.3rem}h3{font-size:1.35rem}p{margin:0 0 1.25rem}.wrap{width:min(1180px,calc(100% - 48px));margin:auto}.skip{position:absolute;top:-100px;background:#fff;padding:12px;z-index:10}.skip:focus{top:0}.notice{font-size:.875rem;background:var(--navy);color:#fff;text-align:center;padding:8px 20px}.notice a{color:#fff}header{border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;justify-content:space-between;gap:28px;padding:22px 0}.brand{font-weight:800;font-size:1.35rem;text-decoration:none;color:var(--navy);letter-spacing:-.05em;white-space:nowrap}.brand b{display:inline-flex;background:var(--navy);color:white;width:34px;height:34px;align-items:center;justify-content:center;margin-right:8px;font-size:1rem;letter-spacing:-.05em}.brand span{font-weight:400}nav{display:flex;align-items:center;gap:28px}nav a{font-size:.94rem;color:var(--ink);text-decoration:none}.button{display:inline-block;background:var(--navy);color:#fff!important;padding:13px 22px;border:0;border-radius:3px;font:inherit;font-weight:700;text-decoration:none;cursor:pointer}.button.orange{background:var(--orange);color:var(--navy)!important}.button:hover{background:#18506a}.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:.8rem;font-weight:700;color:var(--blue)}.hero{background:var(--light);padding:64px 0 54px}.hero-grid{display:grid;grid-template-columns:1.15fr 1fr;gap:55px;align-items:center}.hero h1{font-size:clamp(2.6rem,4.5vw,4.2rem)}.hero p{font-size:1.125rem;max-width:620px}.hero figure{margin:0;position:relative}.hero img{display:block;width:100%;aspect-ratio:4/4.5;object-fit:cover;border-radius:3px}.hero figcaption{font-size:.75rem;color:var(--muted);padding-top:6px}.hero .small{font-size:.875rem;margin-top:14px}.textlink{display:inline-block;margin-left:16px;font-weight:700}.strip{padding:20px 0;border-bottom:1px solid var(--line)}.strip .wrap{display:flex;justify-content:space-between;gap:20px;font-size:.875rem;font-weight:700}.section{padding:74px 0}.section.soft{background:var(--light)}.intro{max-width:690px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:30px}.card{padding:30px;border:1px solid var(--line);background:#fff;border-radius:3px}.card .num{font-size:.85rem;color:var(--blue);letter-spacing:.1em;font-weight:bold}.card h3{margin:18px 0 12px}.card p{color:var(--muted)}.card a{font-weight:bold}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px}.steps{list-style:none;padding:0;margin:0;counter-reset:step}.steps li{padding:0 0 25px 54px;position:relative;counter-increment:step}.steps li:before{content:counter(step);position:absolute;left:0;top:0;background:var(--light);width:34px;height:34px;text-align:center;font-weight:700}.steps strong{display:block}.callout{padding:26px;background:var(--light);border-left:4px solid var(--blue);margin:28px 0}.callout.warning{background:#fff4e7;border-color:#d87d1c}.cta{background:var(--navy);color:#fff;padding:48px;border-radius:3px}.cta p{max-width:700px;color:#dce8ee}.cta h2{color:#fff}.cta a:not(.button){color:#fff}.crumb{font-size:.875rem;padding:25px 0;color:var(--muted)}.pagehead{padding:20px 0 40px}.pagehead h1{font-size:clamp(2.4rem,4.6vw,4rem)}.pagehead .lede{font-size:1.2rem;max-width:760px;color:var(--muted)}.article-layout{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:65px;padding-bottom:75px}.prose h2{font-size:2rem;margin-top:48px}.prose h3{margin-top:30px}.prose li{margin-bottom:12px}.prose ul{padding-left:24px}.aside{align-self:start;position:sticky;top:25px;background:var(--light);padding:25px;font-size:.94rem}.aside h2{font-size:1.3rem}.aside a{display:block;margin:12px 0}.meta{font-size:.875rem;color:var(--muted)}details{border-bottom:1px solid var(--line);padding:20px 0}summary{cursor:pointer;font-weight:700;font-size:1.08rem}details p{margin:15px 0 0}.checklist{display:grid;gap:12px}.checklist label{display:flex;align-items:flex-start;gap:13px;padding:14px;background:var(--light);cursor:pointer}.checklist input{width:20px;height:20px;flex:none;margin-top:4px;accent-color:var(--blue)}.checklist label:has(input:checked){background:#dcece9}.checklist label:has(input:checked) span{text-decoration:line-through;color:#48625b}footer{border-top:1px solid var(--line);padding:45px 0 90px;background:#f7f9fa}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px}footer p,footer a{font-size:.875rem;color:var(--muted)}footer a{display:block;margin:8px 0}footer .brand{font-size:1.2rem;color:var(--navy)}.mobile-cta{display:none}.zip-form{display:flex;gap:12px;flex-wrap:wrap;margin:20px 0}.zip-form input{padding:12px;font:inherit;width:160px;border:1px solid #647e8d;border-radius:3px}.zip-result{min-height:55px}.related{padding-top:35px;border-top:1px solid var(--line);margin-top:40px}.related a{display:block;margin:10px 0}.table-scroll{overflow-x:auto}table{border-collapse:collapse;width:100%;font-size:1rem}th,td{padding:14px;text-align:left;border-bottom:1px solid var(--line)}th{background:var(--light)}.print-button{margin:20px 0;background:#fff;color:var(--navy)!important;border:1px solid var(--navy)}@media(max-width:850px){.hero-grid,.split,.article-layout{grid-template-columns:1fr;gap:32px}.hero img{aspect-ratio:16/10}.hero{padding:40px 0}.cards{grid-template-columns:1fr}.section{padding:48px 0}.aside{position:static}.nav{flex-wrap:wrap;gap:16px}nav{gap:18px;flex-wrap:wrap}nav .button{padding:9px 12px}.strip .wrap{flex-wrap:wrap}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}.cta{padding:30px}.mobile-cta{display:block;position:fixed;bottom:0;left:0;right:0;padding:10px 20px;background:#fff;border-top:1px solid var(--line);z-index:5}.mobile-cta a{display:block;text-align:center;padding:10px}}@media(max-width:480px){.wrap{width:calc(100% - 32px)}nav{gap:14px}nav a{font-size:.875rem}nav .button{display:none}.textlink{margin:15px 0 0;display:block}.hero h1{font-size:2.75rem}.footer-grid{grid-template-columns:1fr}.strip .wrap{gap:8px;flex-direction:column}.pagehead{padding-top:8px}.prose h2{font-size:1.8rem}}@media print{header,footer,.notice,.aside,.mobile-cta,.print-button{display:none}.article-layout{display:block}.wrap{width:100%}a{color:#000}.section{padding:20px 0}}
.hero img{height:auto}