:root{--navy:#0a1f3d;--navy-2:#132f56;--gold:#c9a96a;--gold-dark:#8a6d3b;--ink:#172231;--muted:#5e6a78;--line:#dde4ea;--paper:#ffffff;--warm:#f7f3ec;--soft:#f3f7f9;--ok:#1d6b55;--warn:#8d5a10;--shadow:0 18px 55px rgba(10,31,61,.12);--radius:18px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:#fff;font-family:Arial,Helvetica,sans-serif;line-height:1.6}a{color:var(--navy);text-underline-offset:3px}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--gold);outline-offset:3px}.skip{position:absolute;left:-9999px;top:8px;z-index:100;background:#fff;padding:10px 14px}.skip:focus{left:8px}.testbar{background:#7a4100;color:#fff;text-align:center;padding:8px 16px;font-size:.87rem;letter-spacing:.02em}.testbar strong{color:#fff3ce}header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20}.navwrap{width:min(1180px,calc(100% - 32px));margin:auto;min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{color:#fff;text-decoration:none;display:flex;align-items:center;gap:12px;font-weight:800;letter-spacing:.04em}.brandmark{width:40px;height:40px;border:2px solid var(--gold);border-radius:50%;display:grid;place-items:center;color:var(--gold);font-family:Georgia,serif}.brand small{display:block;color:#d7deea;font-weight:400;letter-spacing:.01em}nav{display:flex;align-items:center;gap:4px}nav>a,nav summary{color:#fff;text-decoration:none;padding:12px 13px;border-radius:8px;cursor:pointer;font-weight:700;list-style:none}nav>a:hover,nav summary:hover,nav details[open] summary{background:#ffffff1a}nav summary::-webkit-details-marker{display:none}.tariffs{position:relative}.tariffmenu{position:absolute;right:0;top:50px;min-width:270px;padding:8px;border:1px solid rgba(201,169,106,.55);border-radius:12px;background:#fff;box-shadow:var(--shadow)}.tariffmenu 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var(--gold);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}.direct-answer .question{color:var(--gold-dark);font-weight:800;text-transform:uppercase;letter-spacing:.06em;font-size:.78rem}.direct-answer p{font-size:1.08rem;margin:8px 0 0}.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:32px}.fact{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px}.fact .num{color:var(--gold-dark);font-weight:900;font-size:.8rem;letter-spacing:.08em}.fact p{margin:8px 0 0;color:var(--muted);font-size:.94rem}.two{display:grid;grid-template-columns:1fr 1fr;gap:34px;align-items:start}.prose p{margin:0 0 14px}.notice{background:#fff;border-left:5px solid var(--gold);border-radius:12px;padding:18px 20px}.notice.warning{border-left-color:#b77419;background:#fffaf1}.notice strong{color:var(--navy)}.costlist{margin:18px 0 0;padding:0;list-style:none;display:grid;gap:10px}.costlist li{padding:12px 14px 12px 44px;border:1px solid var(--line);border-radius:12px;position:relative;background:#fff}.costlist li:before{content:"";position:absolute;left:15px;top:17px;width:14px;height:14px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 5px #f5ecdb}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;counter-reset:step;margin-top:28px}.step{counter-increment:step;border:1px solid var(--line);border-radius:14px;padding:20px;background:#fff}.step:before{content:counter(step);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;color:var(--gold);background:var(--navy);font-weight:900;margin-bottom:12px}.step p{color:var(--muted);margin:0;font-size:.94rem}.premium-media{margin:34px 0 0;overflow:hidden;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}.premium-media.compact{margin:0}.premium-media picture{display:block;background:#e9edf1}.premium-media 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#c9a96a;border-radius:12px;background:#fffaf0}.submit-panel[hidden]{display:none}.submit-panel p{margin:0 0 14px}.submit-note{font-size:.88rem;color:var(--muted)}.source-date{display:block;margin-top:8px;color:var(--muted);font-size:.9rem}.brand-logo{display:block;width:min(330px,42vw);height:auto}.form-subhead{margin-bottom:12px}.notice-top{margin-top:22px}.full-grid{grid-column:1/-1}form[aria-busy=true]{opacity:.75;pointer-events:none}@media(max-width:700px){.submit-panel{margin:0 16px 20px;padding:18px}.brand-logo{width:min(245px,68vw)}}