@font-face{font-family:CerebriSans;src:url('../fonts/CerebriSans-Regular.woff2') format('woff2');font-style:normal;font-weight:400;font-display:swap}
@font-face{font-family:CerebriSans;src:url('../fonts/CerebriSans-Medium.woff2') format('woff2');font-style:normal;font-weight:500;font-display:swap}
@font-face{font-family:CerebriSans;src:url('../fonts/CerebriSans-SemiBold.woff2') format('woff2');font-style:normal;font-weight:600;font-display:swap}
@font-face{font-family:CerebriSans;src:url('../fonts/CerebriSans-Bold.woff2') format('woff2');font-style:normal;font-weight:700;font-display:swap}
:root{--navy:#07192f;--navy-2:#0b2749;--blue:#154f86;--blue-soft:#eaf2f8;--gold:#d7b35a;--gold-dark:#b78d2c;--ink:#172333;--muted:#607084;--line:#dce3ea;--soft:#f5f7fa;--white:#fff;--radius:22px;--shadow:0 22px 70px rgba(7,25,47,.12);--container:1240px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:CerebriSans,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);background:var(--white);line-height:1.65;text-rendering:optimizeLegibility}
body.nav-open{overflow:hidden}
a{color:var(--blue);text-underline-offset:.18em}a:hover{color:var(--navy)}
img{max-width:100%;height:auto}
h1,h2,h3,h4,h5,h6{color:var(--navy);font-weight:700;letter-spacing:-.025em;line-height:1.12}
h1{font-size:clamp(2.45rem,5vw,5.2rem)}h2{font-size:clamp(1.85rem,3.2vw,3.2rem)}h3{font-size:clamp(1.25rem,2vw,1.65rem)}
p{margin-bottom:1.15rem}.lead{font-size:clamp(1.1rem,1.6vw,1.38rem);line-height:1.55;color:var(--muted)}
.container-xl{max-width:var(--container)}
.skip-link{position:fixed;z-index:10000;top:1rem;left:1rem;transform:translateY(-180%);background:#fff;color:#000;padding:.8rem 1rem;border-radius:.4rem;box-shadow:var(--shadow)}.skip-link:focus{transform:none}
.eyebrow{margin:0 0 1rem;color:var(--gold-dark);font-size:.78rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase}
.btn{border-radius:999px;font-weight:600;padding:.78rem 1.35rem;transition:transform .2s ease,box-shadow .2s ease,background-color .2s ease}.btn:hover{transform:translateY(-1px)}.btn-gold{color:#07192f;background:linear-gradient(135deg,#edcf7d,var(--gold));border:1px solid #e3c46c;box-shadow:0 10px 30px rgba(215,179,90,.25)}.btn-gold:hover,.btn-gold:focus{color:#07192f;background:#f0d589;border-color:#f0d589}.btn-link-light{color:#fff;text-decoration:none}.btn-link-light:hover,.btn-link-light:focus{color:#fff;text-decoration:underline}
.site-header{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.95);backdrop-filter:saturate(130%) blur(14px);border-bottom:1px solid rgba(7,25,47,.08)}.site-header__inner{min-height:82px;display:flex;align-items:center;gap:1.5rem}.brand{display:flex;flex-direction:column;text-decoration:none;color:var(--navy);min-width:max-content}.brand__name{font-size:1.12rem;font-weight:700;letter-spacing:.01em}.brand__role{font-size:.68rem;color:var(--muted);letter-spacing:.03em}.primary-nav{margin-left:auto;display:flex;align-items:center;gap:1.15rem}.primary-nav ul{display:flex;align-items:center;gap:.2rem;margin:0;padding:0;list-style:none}.primary-nav ul a{display:block;padding:.65rem .68rem;color:var(--ink);text-decoration:none;font-size:.88rem;font-weight:500;border-radius:999px}.primary-nav ul a:hover,.primary-nav ul a:focus,.primary-nav ul a.is-active{color:var(--navy);background:var(--blue-soft)}.nav-cta{font-size:.82rem;white-space:nowrap}.nav-toggle{display:none;margin-left:auto;width:46px;height:46px;border:1px solid var(--line);border-radius:50%;background:#fff;padding:11px}.nav-toggle span:not(.visually-hidden){display:block;height:2px;background:var(--navy);margin:5px 0;border-radius:2px}
.hero-home{position:relative;min-height:680px;display:flex;align-items:center;color:#fff;overflow:hidden;background:var(--navy)}.hero-home__media,.hero-home__overlay{position:absolute;inset:0}.hero-home__media img{width:100%;height:100%;object-fit:cover;object-position:center}.hero-home__overlay{background:linear-gradient(90deg,rgba(3,14,29,.96) 0%,rgba(5,20,39,.79) 43%,rgba(5,20,39,.15) 75%)}.hero-home__content{position:relative;z-index:2;padding-top:7rem;padding-bottom:7rem}.hero-home__content>h1{max-width:760px;color:#fff}.hero-home__content .eyebrow{color:#f0d589}.hero-lead{max-width:680px;font-size:clamp(1.1rem,2vw,1.45rem);color:rgba(255,255,255,.86)}.hero-actions{display:flex;align-items:center;gap:1rem;flex-wrap:wrap;margin-top:2rem}
.internal-hero,.article-hero,.prequal-hero{padding:5.5rem 0 4.5rem;background:linear-gradient(180deg,#f8fafc,#fff)}.internal-hero--navy{background:radial-gradient(circle at 80% 15%,rgba(215,179,90,.18),transparent 28%),linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff}.internal-hero--navy h1,.internal-hero--navy .lead,.internal-hero--navy .gm-breadcrumb a,.internal-hero--navy .gm-breadcrumb span{color:#fff}.internal-hero--portrait{padding-bottom:0;background:linear-gradient(180deg,#f6f8fb,#fff)}.internal-hero__copy{max-width:900px}.portrait-card{display:block;width:min(100%,420px);margin-left:auto;border-radius:var(--radius) var(--radius) 0 0;box-shadow:var(--shadow);object-fit:cover;aspect-ratio:2/3}
.gm-breadcrumb{margin-bottom:2.2rem}.gm-breadcrumb ol{display:flex;flex-wrap:wrap;gap:.55rem;margin:0;padding:0;list-style:none;font-size:.82rem}.gm-breadcrumb li:not(:last-child)::after{content:'/';margin-left:.55rem;color:#9aa7b5}.gm-breadcrumb a,.gm-breadcrumb span{color:var(--muted);text-decoration:none}
.page-content-home>section,.content-section,.resource-section,.related-section,.form-section{padding:5.5rem 0}.page-content-home>section:nth-child(even){background:var(--soft)}.content-narrow{max-width:920px}.rich-content>h2{margin-top:2.6rem;margin-bottom:1.1rem}.rich-content>h2:first-child{margin-top:0}.rich-content>h3{margin-top:2rem}.rich-content ul,.rich-content ol{padding-left:1.25rem}.rich-content li{margin-bottom:.65rem}.rich-content blockquote{border-left:4px solid var(--gold);padding:1rem 1.2rem;background:#fff9eb;border-radius:0 12px 12px 0;color:var(--navy)}
.section-head{max-width:820px;margin-bottom:3rem}.section-head p:last-child{font-size:1.15rem;color:var(--muted)}.cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}.info-card,.value-card,.step-card,.segment-card,.benefit-card,.choice-card,.article-card{height:100%;padding:1.7rem;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:0 12px 35px rgba(7,25,47,.055)}.info-card__number,.step-card__number{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;margin-bottom:1rem;background:var(--blue-soft);color:var(--blue);font-weight:700}.info-card p:last-child,.value-card p:last-child,.step-card p:last-child,.segment-card p:last-child,.benefit-card p:last-child{margin-bottom:0;color:var(--muted)}.highlight-panel{display:grid;grid-template-columns:1.2fr .8fr;gap:2rem;align-items:center;padding:2.5rem;border-radius:var(--radius);background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff}.highlight-panel h2,.highlight-panel h3,.highlight-panel .lead{color:#fff}.if-meter{display:grid;gap:.7rem}.if-band{display:grid;grid-template-columns:74px 1fr;gap:1rem;align-items:center;padding:.85rem 1rem;border-radius:12px;background:rgba(255,255,255,.09)}.if-band strong{color:#f0d589}.prudential-box{margin-top:2.2rem;padding:1.35rem;border-left:4px solid var(--gold);background:#fff8e7;border-radius:0 14px 14px 0}.prudential-box p:last-child{margin-bottom:0}.check-list{list-style:none!important;padding-left:0!important}.check-list li{position:relative;padding-left:1.8rem}.check-list li::before{content:'✓';position:absolute;left:0;color:var(--gold-dark);font-weight:700}
.final-cta{padding:1rem 0 5.5rem}.final-cta--compact{padding-top:0}.final-cta__panel{display:grid;grid-template-columns:1.35fr .65fr;gap:2.5rem;align-items:center;padding:3rem;border-radius:calc(var(--radius) + 4px);background:radial-gradient(circle at 85% 10%,rgba(215,179,90,.22),transparent 32%),var(--navy);color:#fff}.final-cta__panel h2,.final-cta__panel p{color:#fff}.final-cta__action{text-align:right}.prudential-note{margin-top:1rem;font-size:.75rem;opacity:.8}
.audience-choice{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem}.choice-card__icon{display:inline-flex;width:54px;height:54px;align-items:center;justify-content:center;border-radius:15px;background:var(--blue-soft);color:var(--blue);font-size:1.5rem}.choice-card .btn{margin-top:.5rem}.prequal-hero{text-align:center;background:radial-gradient(circle at 50% 0,rgba(215,179,90,.18),transparent 38%),linear-gradient(180deg,#eef4f9,#fff)}.prequal-hero .lead{max-width:780px;margin-inline:auto}
.form-section{background:var(--soft)}.gm-form{padding:2rem;border-radius:var(--radius);background:#fff;border:1px solid var(--line);box-shadow:var(--shadow)}.gm-form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.2rem}.gm-form-field--full{grid-column:1/-1}.gm-form label{display:block;margin-bottom:.42rem;font-weight:600;color:var(--navy)}.gm-form input,.gm-form select,.gm-form textarea{width:100%;padding:.8rem .9rem;border:1px solid #c9d3de;border-radius:12px;background:#fff;color:var(--ink)}.gm-form input:focus,.gm-form select:focus,.gm-form textarea:focus{outline:3px solid rgba(21,79,134,.18);border-color:var(--blue)}.gm-form textarea{min-height:160px;resize:vertical}.gm-form-consent{display:flex;gap:.7rem;align-items:flex-start}.gm-form-consent input{width:auto;margin-top:.3rem}.gm-form .honeypot{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;overflow:hidden!important}.form-alert{margin-bottom:1.2rem;padding:1rem 1.1rem;border-radius:12px}.form-alert--error{background:#fff0f0;color:#8a1f1f;border:1px solid #f0c0c0}.form-alert--success{background:#edf8f0;color:#245c32;border:1px solid #bcdcc5}
.faq-content h2{padding-top:1rem}.faq-item{border:1px solid var(--line);border-radius:16px;background:#fff;margin-bottom:1rem;overflow:hidden}.faq-item summary{cursor:pointer;list-style:none;padding:1.2rem 3.2rem 1.2rem 1.3rem;color:var(--navy);font-weight:700;position:relative}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary::after{content:'+';position:absolute;right:1.25rem;top:50%;transform:translateY(-50%);font-size:1.6rem;color:var(--gold-dark)}.faq-item[open] summary::after{content:'−'}.faq-answer{padding:0 1.3rem 1.3rem;color:var(--muted)}.faq-answer p:last-child{margin-bottom:0}
.resource-toolbar{display:flex;justify-content:space-between;align-items:end;gap:1.5rem;margin-bottom:2rem}.resource-search input{min-width:300px;padding:.8rem 1rem;border-radius:999px;border:1px solid var(--line)}.article-card h3,.article-card h2{font-size:1.35rem}.article-card h3 a,.article-card h2 a{text-decoration:none;color:var(--navy)}.article-card__meta,.article-meta{font-size:.8rem;color:var(--muted)}.text-link{font-weight:600;text-decoration:none}.empty-state{text-align:center;padding:3rem;border:1px dashed #b8c4cf;border-radius:var(--radius);background:var(--soft)}
.article-hero{padding-bottom:3rem}.article-hero h1{font-size:clamp(2.4rem,4.6vw,4.6rem)}.article-meta{display:flex;flex-wrap:wrap;gap:.45rem 1.2rem;margin-top:1.4rem}.article-layout{display:grid;grid-template-columns:270px minmax(0,760px);gap:4rem;justify-content:center}.article-aside{position:sticky;top:110px;align-self:start}.author-box{display:flex;gap:1rem;align-items:center;margin-bottom:1rem}.author-box img{width:64px;height:64px;border-radius:50%;object-fit:cover}.author-box span{display:block;font-size:.8rem;color:var(--muted)}.article-body{font-size:1.06rem}.article-cta{margin-top:3rem;padding:2rem;border-radius:var(--radius);background:var(--soft)}
.legal-review-banner{display:flex;gap:1rem;align-items:flex-start;padding:1.1rem 1.2rem;margin-bottom:2rem;border:1px solid #e3c873;border-radius:14px;background:#fff8df;color:#5f4b0a}.legal-review-banner span{color:#705d1c}.legal-content table{display:block;overflow-x:auto;width:100%;border-collapse:collapse}.legal-content th,.legal-content td{padding:.8rem;border:1px solid var(--line);vertical-align:top}.legal-content th{background:var(--soft)}.preference-panel{margin-top:2rem;padding:2rem;border-radius:var(--radius);background:var(--soft)}
.confirmation-page,.not-found{min-height:70vh;display:flex;align-items:center;padding:5rem 0;text-align:center;background:linear-gradient(180deg,#f7f9fb,#fff)}.confirmation-card{max-width:720px;margin:auto;padding:3rem;border-radius:var(--radius);background:#fff;box-shadow:var(--shadow)}.confirmation-card__icon{display:inline-flex;font-size:3.2rem;color:#2d8a4f}.not-found__code{font-size:clamp(5rem,15vw,11rem);font-weight:700;line-height:.9;color:rgba(21,79,134,.12)}.not-found h1{max-width:760px;margin-inline:auto}.not-found .lead{max-width:700px;margin-inline:auto}.not-found__actions{display:flex;justify-content:center;gap:.8rem;flex-wrap:wrap;margin-top:2rem}
.site-footer{padding:5rem 0 1.4rem;background:#051324;color:rgba(255,255,255,.73)}.site-footer__brand{margin-bottom:0;color:#fff;font-size:1.6rem;font-weight:700}.site-footer__role{font-size:.85rem;color:#e4c76f}.site-footer__intro{max-width:540px}.site-footer__note{font-size:.75rem;color:rgba(255,255,255,.55)}.footer-heading{font-size:.9rem;color:#fff;text-transform:uppercase;letter-spacing:.1em}.footer-links{list-style:none;margin:0;padding:0}.footer-links li{margin:.45rem 0}.footer-links a{color:rgba(255,255,255,.7);text-decoration:none}.footer-links a:hover,.footer-links a:focus{color:#fff;text-decoration:underline}.cookie-link-button{margin-top:1rem;padding:0;background:none;border:0;color:rgba(255,255,255,.7);text-decoration:underline}.site-footer__bottom{display:flex;justify-content:space-between;gap:1rem;margin-top:4rem;padding-top:1.2rem;border-top:1px solid rgba(255,255,255,.1);font-size:.76rem;color:rgba(255,255,255,.5)}
.cookie-banner{position:fixed;z-index:2000;left:1rem;right:1rem;bottom:1rem;padding:1.2rem;border-radius:18px;background:#07192f;color:#fff;box-shadow:0 25px 80px rgba(0,0,0,.35)}.cookie-banner__content{display:flex;align-items:center;justify-content:space-between;gap:2rem;max-width:1200px;margin:auto}.cookie-banner h2{font-size:1.15rem;color:#fff}.cookie-banner p{margin:0;max-width:760px;font-size:.86rem;color:rgba(255,255,255,.78)}.cookie-banner__actions{display:flex;gap:.6rem;flex-wrap:wrap;justify-content:flex-end}.cookie-modal{position:fixed;inset:0;z-index:2100;display:grid;place-items:center;padding:1rem}.cookie-modal__backdrop{position:absolute;inset:0;background:rgba(0,0,0,.58)}.cookie-modal__panel{position:relative;z-index:1;width:min(680px,100%);max-height:90vh;overflow:auto;padding:2rem;border-radius:20px;background:#fff;box-shadow:0 30px 100px rgba(0,0,0,.35)}.cookie-modal__close{position:absolute;right:1rem;top:1rem;border:0;background:none;font-size:2rem;line-height:1}.cookie-choice{display:grid;grid-template-columns:1fr auto;gap:1rem;align-items:center;padding:1rem 0;border-top:1px solid var(--line)}.cookie-choice p{margin:0;font-size:.85rem;color:var(--muted)}.cookie-choice input{width:22px;height:22px}.cookie-modal__actions{display:flex;justify-content:flex-end;gap:.8rem;margin-top:1.5rem}
:focus-visible{outline:3px solid #f4c95d;outline-offset:3px}
[hidden]{display:none!important}
@media(max-width:1199px){.primary-nav{position:fixed;top:82px;left:0;right:0;bottom:0;display:none;overflow:auto;padding:1.3rem;background:#fff;align-items:stretch;flex-direction:column}.primary-nav.is-open{display:flex}.primary-nav ul{display:block}.primary-nav ul a{font-size:1.05rem;padding:.9rem}.nav-cta{width:100%;margin-top:.6rem}.nav-toggle{display:block}.hero-home{min-height:620px}.cards-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:991px){.highlight-panel,.final-cta__panel,.article-layout{grid-template-columns:1fr}.final-cta__action{text-align:left}.article-aside{position:static}.internal-hero--portrait{padding-bottom:4rem}.portrait-card{margin:auto;border-radius:var(--radius)}.cookie-banner__content{align-items:flex-start;flex-direction:column}.cookie-banner__actions{justify-content:flex-start}}
@media(max-width:767px){html{scroll-behavior:auto}.site-header__inner{min-height:72px}.primary-nav{top:72px}.brand__role{font-size:.59rem}.hero-home{min-height:640px;align-items:flex-end}.hero-home__overlay{background:linear-gradient(180deg,rgba(4,17,33,.18) 0%,rgba(4,17,33,.72) 45%,rgba(4,17,33,.98) 80%)}.hero-home__media img{object-position:65% center}.hero-home__content{padding-top:8rem;padding-bottom:4rem}.hero-actions{align-items:flex-start;flex-direction:column}.internal-hero,.article-hero,.prequal-hero{padding:3.8rem 0 3rem}.page-content-home>section,.content-section,.resource-section,.related-section,.form-section{padding:4rem 0}.cards-grid,.audience-choice,.gm-form-grid{grid-template-columns:1fr}.gm-form-field--full{grid-column:auto}.highlight-panel,.final-cta__panel{padding:1.7rem}.resource-toolbar{align-items:stretch;flex-direction:column}.resource-search input{min-width:0;width:100%}.site-footer__bottom{flex-direction:column}.cookie-banner{left:.5rem;right:.5rem;bottom:.5rem}.cookie-banner__actions,.cookie-banner__actions .btn{width:100%}.cookie-modal__panel{padding:1.4rem}.cookie-modal__actions{align-items:stretch;flex-direction:column}.cookie-modal__actions .btn{width:100%}}
@media(max-width:420px){.brand__name{font-size:1rem}.brand__role{max-width:210px}.btn-lg{font-size:.95rem}.hero-home__content>h1{font-size:2.4rem}.site-footer{padding-top:4rem}}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{scroll-behavior:auto!important;transition-duration:.001ms!important;animation-duration:.001ms!important;animation-iteration-count:1!important}}