:root{--navy:#0f3d5e;--navy-2:#0a2c45;--ink:#14212b;--muted:#51606b;--mint:#7fe0c4;--mint-2:#2fb592;--bg:#ffffff;--soft:#f3f7f9;--line:#dde6ec;--radius:16px;--shadow:0 10px 30px rgba(15,61,94,.10);--max:1120px}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);font-size:17px;line-height:1.6}
img,svg{max-width:100%}
a{color:var(--navy);text-underline-offset:3px}
a:hover{color:var(--mint-2)}
:focus-visible{outline:3px solid var(--mint-2);outline-offset:3px;border-radius:6px}
h1,h2,h3{line-height:1.2;letter-spacing:-.015em;margin:0 0 .5em;color:var(--navy-2)}
h1{font-size:clamp(2rem,5.2vw,3.4rem);font-weight:800}
h2{font-size:clamp(1.5rem,3.2vw,2.1rem);font-weight:750}
h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
.narrow{max-width:760px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 12px;z-index:100}
.skip:focus{left:8px}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:700;color:var(--mint-2);margin-bottom:.6em}
.lede{font-size:clamp(1.05rem,2vw,1.25rem);color:var(--muted);max-width:640px}
.center{text-align:center}
.fine{font-size:.85rem;color:var(--muted)}
section{padding:72px 0}
.band{background:var(--soft)}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:66px}
.logo{display:inline-flex;align-items:center;gap:10px;font-weight:800;color:var(--navy-2);text-decoration:none;font-size:1.05rem;white-space:nowrap}
.logo:hover{color:var(--navy-2)}
#site-nav{display:flex;align-items:center;gap:4px}
#site-nav a{text-decoration:none;color:var(--ink);font-weight:550;font-size:.95rem;padding:8px 12px;border-radius:10px}
#site-nav a:hover{background:var(--soft);color:var(--navy)}
#site-nav a[aria-current="page"]{color:var(--navy);background:var(--soft)}
#site-nav a.btn{color:#fff;background:var(--navy);margin-left:8px}
#site-nav a.btn:hover{background:var(--navy-2);color:#fff}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;width:44px;height:44px;cursor:pointer;position:relative}
.bars,.bars::before,.bars::after{position:absolute;left:50%;width:20px;height:2px;background:var(--navy-2);transform:translateX(-50%);transition:.2s}
.bars{top:50%;margin-top:-1px}
.bars::before{content:"";top:-6px}
.bars::after{content:"";top:6px}
.menu-open .bars{background:transparent}
.menu-open .bars::before{top:0;transform:translateX(-50%) rotate(45deg)}
.menu-open .bars::after{top:0;transform:translateX(-50%) rotate(-45deg)}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--navy);color:#fff;text-decoration:none;font-weight:700;padding:14px 24px;border-radius:12px;border:0;font-size:1rem;cursor:pointer;transition:transform .15s,box-shadow .15s,background .15s;font-family:inherit}
.btn:hover{background:var(--navy-2);color:#fff;transform:translateY(-1px);box-shadow:var(--shadow)}
.btn-small{padding:9px 16px;font-size:.92rem}
.btn-ghost{background:transparent;color:var(--navy);border:2px solid var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}
.btn-light{background:var(--mint);color:var(--navy-2)}
.btn-light:hover{background:#fff;color:var(--navy-2)}
.link-arrow{font-weight:700;text-decoration:none}
.link-arrow::after{content:" →";transition:margin .15s}
.link-arrow:hover::after{margin-left:4px}
/* hero */
.hero{position:relative;overflow:hidden;padding:84px 0 88px;background:radial-gradient(1200px 500px at 85% -10%,rgba(127,224,196,.35),transparent 60%),radial-gradient(900px 500px at -10% 110%,rgba(15,61,94,.10),transparent 60%),#fbfdfe}
.hero-grid{display:grid;grid-template-columns:1.25fr .9fr;gap:56px;align-items:center}
.hl{background:linear-gradient(180deg,transparent 62%,rgba(127,224,196,.6) 62%);padding:0 .08em}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0 24px}
.pills{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:10px}
.pills li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 14px 7px 32px;font-size:.9rem;font-weight:600;position:relative}
.pills li::before{content:"";position:absolute;left:12px;top:50%;width:12px;height:7px;border-left:2.5px solid var(--mint-2);border-bottom:2.5px solid var(--mint-2);transform:translateY(-70%) rotate(-45deg)}
.hero-card .claim{background:#fff;border-radius:22px;box-shadow:0 24px 60px rgba(15,61,94,.16);padding:26px 26px 18px;border:1px solid var(--line);animation:float 6s ease-in-out infinite}
.claim-top{display:flex;align-items:center;gap:8px;font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--muted)}
.dot{width:9px;height:9px;border-radius:50%;background:var(--mint-2);box-shadow:0 0 0 0 rgba(47,181,146,.6);animation:pulse 2s infinite}
.claim-amt{font-size:1.6rem;font-weight:800;color:var(--navy-2);margin:10px 0 14px}
.track{list-style:none;margin:0;padding:0}
.track li{position:relative;padding:0 0 16px 30px;color:var(--muted);font-weight:550}
.track li span{position:absolute;left:0;top:4px;width:16px;height:16px;border-radius:50%;border:2px solid var(--line);background:#fff}
.track li:not(:last-child)::after{content:"";position:absolute;left:7px;top:22px;bottom:2px;width:2px;background:var(--line)}
.track li.done{color:var(--ink)}
.track li.done span{background:var(--mint-2);border-color:var(--mint-2)}
.track li.done span::after{content:"";position:absolute;left:3px;top:1px;width:5px;height:8px;border:solid #fff;border-width:0 2px 2px 0;transform:rotate(45deg)}
.track li.done::after{background:var(--mint-2)!important}
.track li.now{color:var(--navy);font-weight:700}
.track li.now span{border-color:var(--navy);animation:pulse-n 2s infinite}
/* stats */
.stats{padding:40px 0 30px;background:var(--navy);color:#dceaf2}
.stat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.stat .num{font-size:clamp(2rem,4.5vw,2.8rem);font-weight:800;color:var(--mint);margin:0;letter-spacing:-.02em}
.stat p{margin:0}
.stats .src{font-size:.78rem;color:#9fb6c5;margin-top:22px}
/* sections */
.sec-head{max-width:720px;margin:0 auto 40px;text-align:center}
.sec-head p:not(.eyebrow){color:var(--muted)}
.cards{display:grid;gap:22px}
.cards.three{grid-template-columns:repeat(3,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;transition:transform .2s,box-shadow .2s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.card p:last-child{margin-bottom:0}
.card p{color:var(--muted)}
.ic{width:48px;height:48px;border-radius:14px;background:rgba(127,224,196,.25);display:grid;place-items:center;margin-bottom:16px;flex:none}
.ic svg{width:26px;height:26px;fill:none;stroke:var(--navy);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.ic.sm{width:36px;height:36px;border-radius:10px;margin:0}
.ic.sm svg{width:20px;height:20px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.checks{list-style:none;padding:0;margin:0}
.checks li{position:relative;padding:12px 0 12px 38px;border-bottom:1px solid var(--line);font-weight:550}
.checks li:last-child{border-bottom:0}
.checks li::before{content:"";position:absolute;left:0;top:13px;width:24px;height:24px;border-radius:50%;background:var(--mint)}
.checks li::after{content:"";position:absolute;left:8px;top:18px;width:6px;height:11px;border:solid var(--navy-2);border-width:0 2.5px 2.5px 0;transform:rotate(45deg)}
.steps{list-style:none;padding:0;margin:0 0 30px;display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:s}
.steps li{background:#fff;border-radius:var(--radius);padding:28px;border:1px solid var(--line);position:relative}
.steps .num{display:inline-grid;place-items:center;width:42px;height:42px;border-radius:12px;background:var(--navy);color:var(--mint);font-weight:800;font-size:1.15rem;margin-bottom:14px}
.steps p{color:var(--muted);margin:0}
.state-chips{list-style:none;padding:0;margin:0 auto 28px;display:flex;flex-wrap:wrap;justify-content:center;gap:12px;max-width:860px}
.state-chips li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:10px 18px 10px 10px;font-weight:650;display:flex;align-items:center;gap:10px}
.state-chips span{background:var(--navy);color:var(--mint);border-radius:999px;font-size:.78rem;font-weight:800;padding:4px 8px;letter-spacing:.05em}
.cta-band{background:linear-gradient(120deg,var(--navy-2),var(--navy));color:#dceaf2;padding:60px 0}
.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:32px}
.cta-inner h2{color:#fff}
.cta-inner p{margin:0;max-width:620px}
.cta-inner .btn{flex:none}
/* inner pages */
.page-hero{padding:64px 0 48px;background:radial-gradient(900px 380px at 90% -20%,rgba(127,224,196,.35),transparent 60%),#fbfdfe;border-bottom:1px solid var(--line)}
.page-hero.slim{padding:48px 0 28px}
.timeline{list-style:none;padding:0;margin:0 auto;max-width:820px}
.timeline li{display:flex;gap:22px;padding:0 0 34px;position:relative}
.timeline li:not(:last-child)::before{content:"";position:absolute;left:23px;top:56px;bottom:6px;width:2px;background:var(--line)}
.timeline h2{font-size:1.3rem}
.timeline p{color:var(--muted);margin:0}
.note{background:#fff;border-left:4px solid var(--mint-2);padding:16px 18px;border-radius:0 12px 12px 0;color:var(--muted);box-shadow:var(--shadow)}
.table-wrap{overflow-x:auto;border-radius:var(--radius);border:1px solid var(--line);background:#fff;margin:22px 0 12px}
table{width:100%;border-collapse:collapse}
th,td{text-align:left;padding:14px 18px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--navy);color:#fff;font-size:.88rem;letter-spacing:.04em}
tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}
tbody th{font-weight:700;color:var(--navy-2);white-space:nowrap}
.states-grid{grid-template-columns:repeat(auto-fill,minmax(260px,1fr))}
.state-card .abbr{display:inline-block;background:var(--navy);color:var(--mint);font-weight:800;border-radius:10px;padding:6px 10px;letter-spacing:.06em;margin-bottom:12px}
.state-card strong{color:var(--ink)}
.faq details{border:1px solid var(--line);border-radius:14px;margin-bottom:12px;background:#fff;transition:box-shadow .2s}
.faq details[open]{box-shadow:var(--shadow)}
.faq summary{cursor:pointer;list-style:none;padding:18px 54px 18px 20px;font-weight:700;color:var(--navy-2);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:1.5rem;font-weight:400;color:var(--mint-2);transition:transform .2s}
.faq details[open] summary::after{transform:translateY(-50%) rotate(45deg)}
.faq details p{padding:0 20px 18px;margin:0;color:var(--muted)}
.contact-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:32px;align-items:start}
.form label{display:block;font-weight:650;margin:16px 0 6px;font-size:.95rem}
.form .opt{font-weight:400;color:var(--muted)}
.form input,.form textarea{width:100%;font:inherit;padding:12px 14px;border:1.5px solid var(--line);border-radius:12px;background:#fbfdfe}
.form input:focus,.form textarea:focus{border-color:var(--mint-2);outline:none;box-shadow:0 0 0 4px rgba(127,224,196,.35)}
.form .btn{margin-top:20px;width:100%}
.form .fine{margin:12px 0 0}
.contact-card h2{font-size:1.05rem;margin-top:1.2em;text-transform:uppercase;letter-spacing:.08em;color:var(--muted)}
.contact-card h2:first-child{margin-top:0}
.big-link{font-weight:700;font-size:1.1rem;word-break:break-word}
address{font-style:normal}
.contact-rows p{display:flex;align-items:center;gap:12px}
.doc h2{font-size:1.3rem;margin-top:1.6em}
.doc ul{padding-left:1.2em}
.doc li{margin-bottom:.4em}
/* footer */
.site-footer{background:var(--navy-2);color:#b9cbd7;padding:56px 0 24px;font-size:.95rem}
.site-footer a{color:#fff}
.site-footer a:hover{color:var(--mint)}
.logo-light,.logo-light:hover{color:#fff}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px}
.foot-grid p{margin:.8em 0}
.foot-h{font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;color:var(--mint);margin-bottom:12px}
.foot-links{list-style:none;padding:0;margin:0}
.foot-links li{margin:6px 0}
.foot-links a{text-decoration:none}
.foot-base{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:20px}
.foot-base .fine{color:#93aabb;margin:.3em 0}
/* motion */
.js .reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.js .reveal.in{opacity:1;transform:none}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(47,181,146,.6)}70%{box-shadow:0 0 0 10px rgba(47,181,146,0)}100%{box-shadow:0 0 0 0 rgba(47,181,146,0)}}
@keyframes pulse-n{0%{box-shadow:0 0 0 0 rgba(15,61,94,.45)}70%{box-shadow:0 0 0 8px rgba(15,61,94,0)}100%{box-shadow:0 0 0 0 rgba(15,61,94,0)}}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.js .reveal{opacity:1;transform:none}html{scroll-behavior:auto}}
/* responsive */
@media (max-width:980px){
  .menu-btn{display:block}
  #site-nav{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:10px 16px 18px;gap:2px;box-shadow:0 20px 30px rgba(15,61,94,.08)}
  .js #site-nav{display:none}
  .js .menu-open #site-nav{display:flex}
  #site-nav a{padding:12px 14px;font-size:1.02rem}
  #site-nav a.btn{margin:8px 0 0}
  .no-js-nav{display:flex}
}
@media (max-width:900px){
  .hero-grid,.two,.contact-grid{grid-template-columns:1fr;gap:36px}
  .hero-card{max-width:420px}
  .cards.three,.steps{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .foot-grid>div:first-child{grid-column:1/-1}
  .cta-inner{flex-direction:column;align-items:flex-start}
}
@media (max-width:600px){
  body{font-size:16px}
  section{padding:52px 0}
  .hero{padding:52px 0 60px}
  .wrap{padding:0 18px}
  .stat-grid{grid-template-columns:1fr;gap:18px}
  .foot-grid{grid-template-columns:1fr}
  .cta-row .btn{flex:1 1 100%}
  .page-hero{padding:44px 0 32px}
  .card,.steps li{padding:22px}
  th,td{padding:12px 14px}
  tbody th{white-space:normal}
}