*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
color:#1c2126;background:#fff}
.wrap{max-width:760px;margin:0 auto;padding:0 20px}
header.site{border-bottom:1px solid #e3e7eb;background:#fafbfc}
header.site .wrap{max-width:1080px;display:flex;flex-wrap:wrap;align-items:baseline;gap:6px 18px;padding-top:18px;padding-bottom:14px}
.brand{display:inline-block;line-height:0}
.brand img{height:38px;width:auto;display:block}
.tag{color:#66727d;font-size:14px;align-self:center}
/* ===== MAIN MENU — grouped, CSS-only dropdowns, no JavaScript ============= */
nav.main{background:#2D6A5D;position:sticky;top:0;z-index:20;box-shadow:0 1px 0 rgba(0,0,0,.12)}
nav.main .wrap{padding:0 20px;max-width:1080px}
ul.menu{display:flex;flex-wrap:wrap;margin:0;padding:0;list-style:none;gap:0}
ul.menu>li{margin:0;position:relative}
ul.menu>li>a{display:block;color:#dff0ea;text-decoration:none;
font-size:15px;font-weight:600;padding:13px 15px;border-bottom:3px solid transparent}
ul.menu>li>a:hover{background:#255a4f;color:#fff}
ul.menu>li.cur>a{color:#fff;border-bottom-color:#FBC94A}
ul.menu>li.has-sub>a::after{content:"";display:inline-block;margin-left:7px;
border:4px solid transparent;border-top-color:currentColor;vertical-align:2px}
/* Dropdowns open on hover AND on keyboard focus inside the group. No JS, and no
   reliance on overriding a UA stylesheet. */
ul.menu>li.has-sub>ul.sub{display:none}
ul.menu>li.has-sub:hover>ul.sub,ul.menu>li.has-sub:focus-within>ul.sub{display:block}
ul.menu>li.has-sub:hover>a,ul.menu>li.has-sub:focus-within>a{background:#255a4f;color:#fff}
ul.sub{position:absolute;left:0;top:100%;min-width:290px;background:#fff;margin:0;padding:7px;
list-style:none;border:1px solid #dbe1e7;border-radius:0 0 10px 10px;border-top:0;
box-shadow:0 12px 28px rgba(15,47,79,.16);z-index:30}
ul.sub li{margin:0}
ul.sub a{display:block;padding:9px 11px;border-radius:7px;text-decoration:none}
ul.sub a:hover{background:#f4f6f8}
ul.sub a[aria-current]{background:#fdf3d8}
.sl{display:block;font-weight:700;font-size:15px;color:#12508a}
.sd{display:block;font-size:13.5px;color:#66727d;line-height:1.45;margin-top:2px}
@media (max-width:760px){
  /* Top level stays a single visible row that scrolls sideways. The dropdowns are
     suppressed rather than restyled — every top-level item is a real page, and the
     footer columns are the full site map on small screens. */
  nav.main{position:static}
  nav.main .wrap{padding:0 12px}
  ul.menu{flex-wrap:nowrap;overflow-x:auto;-webkit-overflow-scrolling:touch;
  scrollbar-width:none}
  ul.menu::-webkit-scrollbar{display:none}
  ul.menu>li{flex:0 0 auto}
  ul.menu>li>a{padding:12px 12px;white-space:nowrap;font-size:14.5px}
  ul.menu>li.has-sub>a::after{display:none}
  /* Suppress dropdowns entirely on touch. Each top-level item is a real page and
     the footer columns are the full site map. */
  ul.menu>li.has-sub:hover>ul.sub,ul.menu>li.has-sub:focus-within>ul.sub{display:none}
}
main{padding:0 0 10px}
/* ⭐ THE RESTYLE (Dustin 2026-08-17: "you built it as a blog"). A business site
   normally stops looking like an article by using a phone number, a form and a
   CTA button — exactly what the claim ceiling forbids here. So the work is done
   with STRUCTURE instead: a hero band, a card grid, and a banded page header. */
.hero{background:linear-gradient(180deg,#0f2f4f 0%,#123f66 100%);color:#fff;padding:52px 0 46px}
.hero .eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:12.5px;font-weight:700;
color:#8fc0e8;margin:0 0 14px}
.hero h1{color:#fff;font-size:38px;line-height:1.12;margin:0 0 16px;max-width:16em}
.hero .sub{font-size:19px;line-height:1.5;color:#cfe2f2;margin:0;max-width:34em}
.pagehead{background:#f4f6f8;border-bottom:1px solid #e3e7eb;padding:34px 0 30px}
.pagehead .eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:12px;font-weight:700;
color:#5f7a95;margin:0 0 10px}
.pagehead h1{margin:0 0 12px}
.pagehead .sub{font-size:17.5px;color:#4a5560;margin:0;max-width:36em}
.body{padding:32px 0 0}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px;margin:0 0 8px;
padding:0;list-style:none}
.cards li{margin:0}
.cards a{display:block;height:100%;border:1px solid #dbe1e7;border-radius:9px;padding:17px 18px;
text-decoration:none;background:#fff;transition:border-color .12s,box-shadow .12s,transform .12s}
.cards a:hover{border-color:#12508a;box-shadow:0 3px 14px rgba(18,80,138,.10);transform:translateY(-1px)}
.cards .t{display:block;font-weight:700;font-size:16.5px;color:#12508a;margin-bottom:5px}
.cards .d{display:block;font-size:14.5px;line-height:1.5;color:#5a6672}
.band{background:#f4f6f8;border-top:1px solid #e3e7eb;border-bottom:1px solid #e3e7eb;
margin:38px 0 0;padding:30px 0 34px}
.band h2{margin-top:0}
h1{font-size:31px;line-height:1.2;margin:0 0 18px;letter-spacing:-.5px}
h2{font-size:22px;line-height:1.3;margin:38px 0 12px;letter-spacing:-.3px}
h3{font-size:17px;margin:26px 0 8px}
p{margin:0 0 15px}
.lede p{font-size:18.5px;color:#3a444e}
ul{margin:0 0 16px;padding-left:22px}
li{margin-bottom:7px}
a{color:#12508a}
.tbl{overflow-x:auto;margin:0 0 20px;-webkit-overflow-scrolling:touch}
table{border-collapse:collapse;width:100%;font-size:15.5px;min-width:520px}
th,td{text-align:left;vertical-align:top;padding:9px 12px;border-bottom:1px solid #e3e7eb}
th{background:#f4f6f8;font-weight:600}
tbody tr:last-child td{border-bottom:0}
.next{margin:0 0 16px;padding-left:0;list-style:none}
.next li{margin-bottom:6px}
.next a{font-weight:600}
.faq{margin-top:34px;border-top:1px solid #e3e7eb;padding-top:8px}
.faq h3{margin:20px 0 6px;font-size:16.5px}
.faq p{color:#374350}
.src{font-size:15px;padding-left:22px}
.src li{margin-bottom:9px;word-break:break-word}
.note{color:#5a6672;font-size:15.5px}
/* ===== FOOTER — brand block + four link columns + a legal bar ============== */
footer.site{margin-top:52px;background:#123f3a;color:#c9ded8}
footer.site .ftop{max-width:1080px;display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr 1fr;gap:30px 26px;
padding-top:40px;padding-bottom:34px}
footer.site .fbrand img{height:44px;width:auto;display:block;margin-bottom:14px}
footer.site .fbrand p{font-size:14.5px;line-height:1.6;color:#a9cfc4;margin:0 0 12px;max-width:30em}
footer.site .fcol .fh{font-size:12.5px;text-transform:uppercase;letter-spacing:.11em;
color:#FBC94A;margin:2px 0 12px;font-weight:700}
footer.site .fcol ul{list-style:none;margin:0;padding:0}
footer.site .fcol li{margin-bottom:8px}
footer.site .fcol a{color:#dff0ea;text-decoration:none;font-size:14.5px;line-height:1.45}
footer.site .fcol a:hover{color:#fff;text-decoration:underline}
footer.site .fbot{max-width:1080px;border-top:1px solid #245a52;padding-top:20px;padding-bottom:34px}
footer.site .disclosure{font-size:13.5px;color:#8fb8ad;margin:0 0 12px;line-height:1.6;max-width:70em}
.skip{position:absolute;left:-9999px;top:0;background:#0f2f4f;color:#fff;padding:10px 16px;z-index:9}
.skip:focus{left:0}
:focus-visible{outline:3px solid #12508a;outline-offset:2px}
nav.crumbs{background:#fff;border-bottom:1px solid #eef1f4}
nav.crumbs .wrap{padding-top:9px;padding-bottom:9px;font-size:14px;color:#66727d}
nav.crumbs a{color:#12508a;text-decoration:none}
nav.crumbs span[aria-current]{color:#4a5560}
footer.site .social{margin:0}
footer.site .social a{display:inline-block;color:#123f3a;background:#FBC94A;font-size:13.5px;
font-weight:700;text-decoration:none;margin:0 8px 8px 0;padding:6px 13px;border-radius:99px}
footer.site .social a:hover{background:#fff}
footer.site .copy{font-size:13px;color:#6f9d92;margin:0}
@media (max-width:900px){footer.site .ftop{grid-template-columns:1fr 1fr;gap:26px}
footer.site .fbrand{grid-column:1 / -1}}
@media (max-width:600px){h1{font-size:26px}h2{font-size:20px}body{font-size:16px}
.hero{padding:38px 0 34px}.hero h1{font-size:29px}.hero .sub{font-size:17px}
footer.site .ftop{grid-template-columns:1fr}}