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:root{--navy:#023047;--navy-deep:#011a26;--ocean:#219ebc;--ocean-deep:#126782;--sky:#8ecae6;--mist:#e3f2f8;--paper:#f5fafc;--text:#3d5566;--amber:#ffb703;--signal:#fb8500;--signal-hover:#e67700;--signal-strong:#b85c00;--signal-strong-hover:#9a4d00;--white:#fff;--icon-fg:var(--navy);--icon-bg:var(--signal);--font-display:"Outfit", ui-sans-serif, system-ui, sans-serif;--font-body:"Inter", ui-sans-serif, system-ui, sans-serif;--wrap:75rem;--gutter:1rem;--radius-card:12px;--radius-img:18px;--radius-pill:999px;--shadow-soft:0 10px 30px -12px #0230472e;--shadow-lift:0 20px 45px -18px #02304747;--ease:cubic-bezier(.22, .61, .36, 1)}@media 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.6rem;font-size:1.25rem;font-weight:600;line-height:1.25}.richtext ul,.richtext ol{padding-left:1.4rem}.richtext li{margin-bottom:.4rem}.richtext a{color:var(--navy);text-underline-offset:.18em;text-decoration:underline}.richtext strong{color:var(--navy)}.panels__amount .ph{font-size:.95rem;font-weight:600;line-height:1.3;display:inline-block}.ph{color:#1a1a1a;background:#ffe14d;border-radius:3px;outline:2px dashed #b45309;padding:0 .2em}.visually-hidden{clip:rect(0 0 0 0);clip-path:inset(50%);white-space:nowrap;width:1px;height:1px;overflow:hidden;position:absolute!important}.skip{z-index:100;background:var(--paper);color:var(--navy);border-radius:var(--radius-pill);padding:.5rem 1rem;font-weight:600;position:absolute;top:-4rem;left:1rem}.skip:focus{top:1rem}.h1,.h2,.h3{font-family:var(--font-display);color:var(--navy);text-wrap:balance;margin:0;font-weight:700}.h1{letter-spacing:-.02em;margin-bottom:1.25rem;font-size:clamp(2.25rem,1.2rem + 4.2vw,3.75rem);line-height:1.05}.h1__brand{display:block}.h1__accent{color:var(--amber)}.hero .h1{color:#fff}.h1--legal{margin-bottom:2rem;font-size:3rem}.h2{letter-spacing:-.01em;margin-bottom:1.5rem;font-size:clamp(1.75rem,1.4rem + 1.4vw,2.5rem);line-height:1.12}.h3{margin-bottom:.6rem;font-size:1.3rem;font-weight:600;line-height:1.25}.lede{color:var(--text);max-width:34em;margin:0;font-size:clamp(1.125rem,1.05rem + .35vw,1.3rem);line-height:1.5}.hero .lede{color:#ffffffe6}.intro{margin:0;font-size:1.15rem;line-height:1.6}.note{color:var(--text);margin:1.75rem 0 0;font-size:.95rem}.rule-accent{border-radius:var(--radius-pill);background:var(--signal);width:32px;height:3px;margin-bottom:1rem;display:block}.kicker{font:600 .8rem/1 var(--font-body);text-transform:uppercase;letter-spacing:.12em;color:var(--ocean-deep);align-items:center;gap:.5rem;margin-bottom:1rem;display:inline-flex}.hero .kicker{color:var(--amber)}.kicker:before{content:"";border-radius:var(--radius-pill);background:currentColor;width:20px;height:2px}.circuit-bg{pointer-events:none;position:absolute;inset:0;overflow:hidden}.circuit-bg:after{content:"";background-color:var(--sky);opacity:.12;width:120%;height:120%;position:absolute;inset:-10%;-webkit-mask-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='96' height='96'%3E%3Cg fill='none' stroke='%23000' stroke-width='2' stroke-linecap='round'%3E%3Cpath d='M0 24H36V0'/%3E%3Cpath d='M60 96V60H96'/%3E%3Cpath d='M24 96V72H60V48'/%3E%3Cpath d='M96 36H72V12'/%3E%3Cpath d='M0 72H12V84H0'/%3E%3C/g%3E%3Cg fill='%23000'%3E%3Ccircle cx='36' cy='24' r='3'/%3E%3Ccircle cx='60' cy='60' r='3'/%3E%3Ccircle cx='60' cy='48' r='3'/%3E%3Ccircle cx='72' cy='12' r='3'/%3E%3C/g%3E%3C/svg%3E");mask-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='96' height='96'%3E%3Cg fill='none' stroke='%23000' stroke-width='2' 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.5rem;position:absolute;bottom:.6rem;left:.6rem}.icon-duo>:first-child{fill:var(--icon-bg);opacity:.25}.icon-duo>:last-child{fill:var(--icon-fg);opacity:1}.icon-reg{flex:none}.icon-box{background:var(--mist);border-radius:14px;flex:none;place-items:center;width:56px;height:56px;display:grid}.icon-box--sm{border-radius:10px;width:40px;height:40px}.section--dark .icon-box,.contact .icon-box,.footer .icon-box{background:#8ecae61f}.utility-bar{background:var(--navy);color:var(--sky)}.utility-bar__inner{justify-content:flex-end;align-items:center;gap:1.5rem;min-height:40px;font-size:.85rem;font-weight:500;display:flex}.utility-bar__phone{color:#fff;font-variant-numeric:tabular-nums;align-items:center;gap:.4rem;font-weight:600;text-decoration:none;display:inline-flex}.utility-bar__phone:hover{color:var(--amber)}.utility-bar__note{white-space:nowrap;align-items:center;gap:.35rem;display:inline-flex}@media (max-width:47.99rem){.utility-bar{display:none}}.header{z-index:30;transition:box-shadow .25s var(--ease);background:#fff;position:sticky;top:0}.header--shadow{box-shadow:0 8px 24px -16px #02304759}.header__inner{align-items:center;gap:.6rem;min-height:4.25rem;display:flex}.brand{min-height:44px;font-family:var(--font-display);letter-spacing:.01em;color:var(--navy);flex:none;align-items:center;gap:.4rem;font-size:1.1rem;font-weight:700;text-decoration:none;display:inline-flex}.brand__mark{color:var(--signal);flex:none}.header__nav{gap:1.25rem;margin-left:auto;display:none}.header__nav a{color:var(--navy);white-space:nowrap;font-size:.92rem;font-weight:500;text-decoration:none}.header__nav a:hover{color:var(--ocean-deep)}.header__phone{background:var(--signal-strong);color:#fff;border-radius:var(--radius-pill);white-space:nowrap;font-variant-numeric:tabular-nums;min-height:44px;transition:background-color .2s var(--ease);justify-content:center;align-items:center;gap:.35rem;margin-left:auto;padding:.5rem .75rem;font-size:.85rem;font-weight:700;text-decoration:none;display:inline-flex}.header__phone:hover{background:var(--signal-strong-hover);color:#fff}.mobile-nav{flex:none}@media (min-width:26.5rem){.brand{gap:.55rem;font-size:1.4rem}.header__phone{gap:.5rem;padding:.55rem 1.1rem;font-size:1rem}}@media (min-width:75rem){.header__inner{gap:1.5rem}.header__nav{display:flex}.header__phone{margin-left:1rem}.mobile-nav{display:none}}.mobile-nav{margin-left:.5rem;position:relative}.mobile-nav__toggle{border:1.5px solid var(--mist);background:var(--paper);width:2.75rem;height:2.75rem;color:var(--navy);cursor:pointer;border-radius:10px;place-items:center;padding:0;display:grid}.mobile-nav__panel{z-index:20;background:var(--paper);border-radius:var(--radius-card);min-width:17rem;box-shadow:var(--shadow-lift);gap:.9rem;padding:1.1rem 1.25rem;display:grid;position:absolute;top:calc(100% + .6rem);right:0}.mobile-nav__panel 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