:root {
  --pf-primary: #3376d0;
  --pf-primary-dark: #245aa6;
  --pf-navy: #16243d;
  --pf-ink: #24344d;
  --pf-muted: #5c6b80;
  --pf-light: #f4f6f8;
  --pf-line: rgba(22, 36, 61, 0.12);
  --pf-cyan: #0be1ff;
  --pf-white: #fff;
  --pf-radius: 6px;
  --pf-shadow: 0 8px 24px rgba(22, 36, 61, 0.08);
  --pf-font: Inter, system-ui, -apple-system, "Segoe UI", sans-serif;
  --pf-max: 1140px;
  --pf-h1: clamp(1.5rem, 1.1rem + 0.95vw, 1.95rem);
  --pf-h2: clamp(1.15rem, 1.02rem + 0.4vw, 1.35rem);
  --pf-h3: 1.05rem;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--pf-font);
  font-size: 1rem;
  font-weight: 400;
  color: var(--pf-ink);
  background: var(--pf-white);
  line-height: 1.65;
}
img { max-width: 100%; height: auto; }
a { color: var(--pf-primary); }
a:hover { color: var(--pf-primary-dark); }
:focus-visible {
  outline: 3px solid rgba(51, 118, 208, 0.45);
  outline-offset: 2px;
}
.container {
  width: min(var(--pf-max), calc(100% - 2.5rem));
  margin-inline: auto;
}

.pf-skip {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--pf-navy);
  color: #fff;
  padding: 0.6rem 1rem;
  z-index: 2000;
}
.pf-skip:focus { left: 0.75rem; top: 0.75rem; }

.pf-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  border: 0;
  border-radius: 4px;
  padding: 0.62rem 1.05rem;
  font-weight: 600;
  font-size: 0.9rem;
  text-decoration: none;
  line-height: 1.25;
  cursor: pointer;
  transition: background 0.15s ease, color 0.15s ease, border-color 0.15s ease;
}
.pf-btn svg { flex: 0 0 auto; }
.pf-btn-sm { padding: 0.42rem 0.8rem; font-size: 0.8125rem; }
.pf-btn-primary { background: var(--pf-primary); color: #fff; }
.pf-btn-primary:hover { background: var(--pf-primary-dark); color: #fff; }
.pf-btn-secondary { background: var(--pf-navy); color: #fff; }
.pf-btn-secondary:hover { color: #fff; background: #0f1b30; }
.pf-btn-ghost { background: transparent; color: var(--pf-navy); border: 1px solid rgba(22, 36, 61, 0.22); }
.pf-btn-ghost:hover { background: rgba(51, 118, 208, 0.08); color: var(--pf-navy); }
.pf-cta-pair { display: flex; flex-wrap: wrap; gap: 0.65rem; margin-top: 1rem; }
.pf-cta-note { width: 100%; color: var(--pf-muted); margin: 0; font-size: 0.875rem; }
.pf-text-link { display: inline-block; margin-top: 0.65rem; font-weight: 600; font-size: 0.9rem; text-decoration: none; }

.pf-utility {
  background: var(--pf-navy);
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.78rem;
}
.pf-utility-inner {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  align-items: center;
  min-height: 34px;
}
.pf-utility p { margin: 0; }
.pf-utility a {
  color: #fff;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  margin-left: 1rem;
}
.pf-utility a:hover { color: var(--pf-cyan); }

.pf-header {
  position: sticky;
  top: 0;
  z-index: 1080;
  background: #fff;
  border-bottom: 1px solid var(--pf-line);
}
.pf-header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 68px;
  gap: 0.75rem;
}
.pf-brand {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  text-decoration: none;
  color: var(--pf-navy);
  font-weight: 700;
  letter-spacing: 0.22em;
  font-size: 0.64rem;
  line-height: 1.15;
  flex: 0 0 auto;
}
.pf-brand-light { color: #fff; }
.pf-nav-open, .pf-nav-close {
  display: none;
  border: 0;
  background: var(--pf-light);
  width: 44px;
  height: 44px;
  border-radius: 4px;
  color: var(--pf-primary);
}
.pf-site-nav { display: flex; align-items: center; gap: 0.15rem; flex: 1; justify-content: flex-end; }
.pf-nav-list {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 0;
  list-style: none;
  margin: 0;
  padding: 0;
}
.pf-nav-link {
  display: inline-flex;
  align-items: center;
  gap: 0.2rem;
  border: 0;
  background: transparent;
  color: var(--pf-ink);
  font-weight: 500;
  font-size: 0.84rem;
  text-decoration: none;
  padding: 0.4rem 0.5rem;
  border-radius: 4px;
}
.pf-nav-link:hover, .pf-nav-link[aria-current="page"], .pf-nav-link[aria-expanded="true"] {
  background: rgba(51, 118, 208, 0.08);
  color: var(--pf-primary);
}
.pf-nav-cta { display: flex; gap: 0.4rem; margin-left: 0.5rem; flex: 0 0 auto; }
.pf-nav-mobile-bar { display: none; }
.pf-has-mega { position: relative; }
.pf-mega {
  position: absolute;
  top: calc(100% + 0.35rem);
  left: 0;
  min-width: min(720px, 86vw);
  background: #fff;
  border: 1px solid var(--pf-line);
  border-radius: 6px;
  box-shadow: var(--pf-shadow);
  padding: 1rem 1.15rem 1.15rem;
  z-index: 20;
}
.pf-mega-parent {
  display: inline-flex;
  gap: 0.35rem;
  font-weight: 600;
  font-size: 0.9rem;
  margin-bottom: 0.7rem;
  text-decoration: none;
}
.pf-mega-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; }
.pf-mega-heading { font-size: 0.72rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--pf-muted); margin-bottom: 0.35rem; font-weight: 600; }
.pf-mega ul { list-style: none; margin: 0; padding: 0; }
.pf-mega a { display: block; padding: 0.24rem 0; text-decoration: none; color: var(--pf-ink); font-weight: 500; font-size: 0.9rem; }
.pf-mega a:hover { color: var(--pf-primary); }

.pf-hero {
  position: relative;
  isolation: isolate;
  background: #1e2f4a;
  overflow: hidden;
}
.pf-hero-visual {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.pf-hero-visual picture,
.pf-hero-visual img {
  display: block;
  width: 100%;
  height: 100%;
}
.pf-hero-visual img {
  object-fit: cover;
  object-position: 76% 40%;
}
.pf-hero-inner {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  min-height: 22.5rem;
  padding: 2.25rem 0;
}
.pf-hero-copy {
  width: min(28.5rem, 100%);
  background: #fff;
  padding: 1.35rem 1.45rem 1.25rem;
  border: 1px solid rgba(22, 36, 61, 0.08);
  border-radius: 0;
  box-shadow: 0 8px 24px rgba(22, 36, 61, 0.12);
}
.pf-hero-copy h1 {
  max-width: 18ch;
}
.pf-hero-copy .pf-cta-pair { margin-top: 1.05rem; }
.pf-hero-tools {
  background: #fff;
  border-bottom: 1px solid var(--pf-line);
  padding: 1.15rem 0 1.4rem;
  scroll-margin-top: 5rem;
}
.pf-hero-tools .pf-qualifier {
  margin-top: 0;
}
.pf-kicker {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--pf-primary);
  margin: 0 0 0.55rem;
}
.pf-hero h1, .pf-page-hero h1 {
  font-weight: 600;
  letter-spacing: -0.015em;
  color: var(--pf-navy);
  line-height: 1.22;
  margin: 0 0 0.75rem;
  font-size: var(--pf-h1);
}
.pf-lede {
  font-size: 0.95rem;
  font-weight: 400;
  line-height: 1.6;
  color: var(--pf-muted);
  max-width: 40rem;
  margin: 0 0 0.35rem;
}
.pf-hero-copy .pf-lede { max-width: 36rem; }
.pf-qualifier {
  margin-top: 1.15rem;
  background: var(--pf-light);
  border: 1px solid var(--pf-line);
  border-radius: var(--pf-radius);
  padding: 0.95rem 1rem 1rem;
}
.pf-qualifier-kicker { font-weight: 600; font-size: 0.92rem; margin: 0 0 0.7rem; color: var(--pf-navy); }
.pf-qualifier-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.7rem;
}
.pf-qualifier label { font-size: 0.8rem; font-weight: 500; color: var(--pf-navy); }
.pf-qualifier select, .pf-form input, .pf-form select, .pf-form textarea {
  width: 100%;
  border: 1px solid #c9d4e3;
  border-radius: 4px;
  padding: 0.55rem 0.7rem;
  margin-top: 0.22rem;
  background: #fff;
  color: var(--pf-ink);
  font: inherit;
  font-size: 0.9rem;
}
.pf-qualifier-actions { display: flex; flex-wrap: wrap; gap: 0.55rem; margin-top: 0.85rem; }
.pf-qualifier-note, .pf-form-legal, .pf-form small { color: var(--pf-muted); font-size: 0.8rem; margin-top: 0.6rem; display: block; }

.pf-section { padding: 2.75rem 0; }
.pf-section-muted { background: var(--pf-light); }
.pf-section h2, .pf-prose h2 {
  color: var(--pf-navy);
  font-weight: 600;
  letter-spacing: -0.01em;
  font-size: var(--pf-h2);
  margin: 0 0 0.65rem;
  line-height: 1.3;
}
.pf-section > .container > p,
.pf-section .pf-lede {
  max-width: 46rem;
}
.pf-subhead { margin-top: 1.5rem; font-size: 1.05rem; font-weight: 600; }
.pf-follow { margin-top: 1rem; font-weight: 600; font-size: 0.95rem; }
.pf-home-faq { padding-bottom: 2.5rem; }

.pf-audience-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-top: 1.1rem;
}
.pf-audience-card {
  background: #fff;
  border: 1px solid var(--pf-line);
  border-radius: var(--pf-radius);
  padding: 1.25rem 1.3rem;
}
.pf-audience-card h3 {
  margin: 0 0 0.5rem;
  color: var(--pf-navy);
  font-size: var(--pf-h3);
  font-weight: 600;
}
.pf-audience-card p { margin: 0; color: var(--pf-muted); font-size: 0.95rem; }
.pf-audience-card .pf-btn { margin-top: 0.85rem; }

.pf-card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 0.85rem;
  margin-top: 1rem;
}
.pf-card {
  display: flex;
  flex-direction: column;
  background: #fff;
  border: 1px solid var(--pf-line);
  border-radius: var(--pf-radius);
  padding: 1rem 1.05rem;
  text-decoration: none;
  color: inherit;
  min-height: 100%;
}
.pf-card:hover { color: inherit; border-color: rgba(51, 118, 208, 0.4); }
.pf-card h3 { font-size: 1rem; font-weight: 600; margin: 0 0 0.35rem; color: var(--pf-navy); }
.pf-card p { color: var(--pf-muted); flex: 1; margin: 0 0 0.6rem; font-size: 0.9rem; }
.pf-card-link { color: var(--pf-primary); font-weight: 600; font-size: 0.875rem; display: inline-flex; gap: 0.3rem; align-items: center; }

.pf-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  list-style: none;
  margin: 0.9rem 0 0;
  padding: 0;
}
.pf-chips a {
  display: inline-block;
  padding: 0.28rem 0.65rem;
  border-radius: 4px;
  background: #fff;
  border: 1px solid var(--pf-line);
  text-decoration: none;
  color: var(--pf-navy);
  font-weight: 500;
  font-size: 0.84rem;
}
.pf-chips a:hover { border-color: var(--pf-primary); color: var(--pf-primary); }
.pf-section-muted .pf-chips a { background: var(--pf-white); }

.pf-expand {
  margin-top: 1rem;
  background: #fff;
  border: 1px solid var(--pf-line);
  border-radius: var(--pf-radius);
  padding: 0.25rem 0.95rem 0.7rem;
}
.pf-expand summary {
  cursor: pointer;
  font-weight: 600;
  font-size: 0.92rem;
  padding: 0.65rem 0;
  color: var(--pf-navy);
}

.pf-steps { list-style: none; padding: 0; margin: 1rem 0 0; display: grid; gap: 0.7rem; }
.pf-steps li { display: grid; grid-template-columns: auto 1fr; gap: 0.8rem; background: #fff; border: 1px solid var(--pf-line); border-radius: var(--pf-radius); padding: 0.85rem 0.95rem; }
.pf-steps h3 { font-size: 1rem; font-weight: 600; margin: 0 0 0.2rem; }
.pf-steps p { margin: 0; color: var(--pf-muted); font-size: 0.92rem; }
.pf-step-num {
  width: 1.75rem; height: 1.75rem; border-radius: 50%;
  background: var(--pf-primary); color: #fff; display: grid; place-items: center; font-weight: 600; font-size: 0.8rem;
}
.pf-split { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 2rem; align-items: start; }
.pf-plain-list { padding-left: 1.1rem; }
.pf-plain-list a { font-weight: 500; text-decoration: none; }

.pf-page-hero { padding: 1.65rem 0 0.4rem; background: var(--pf-light); border-bottom: 1px solid var(--pf-line); }
.pf-page-hero h1 { max-width: 28ch; }
.pf-breadcrumbs ol { display: flex; flex-wrap: wrap; gap: 0.4rem; list-style: none; padding: 0; margin: 0 0 0.75rem; color: var(--pf-muted); font-size: 0.82rem; }
.pf-breadcrumbs li:not(:last-child)::after { content: "/"; margin-left: 0.4rem; color: #9aa8bb; }
.pf-content { padding: 1.15rem 0 2.6rem; }
.pf-content-grid { display: grid; grid-template-columns: minmax(0, 1fr) 260px; gap: 2rem; align-items: start; }
.pf-prose h2 { font-size: var(--pf-h2); margin-top: 1.6rem; }
.pf-prose h3 { font-size: var(--pf-h3); font-weight: 600; margin-top: 1.15rem; color: var(--pf-navy); }
.pf-prose p, .pf-prose li { color: #31445f; }
.pf-prose ul, .pf-prose ol { padding-left: 1.2rem; }
.pf-disclaimer, .pf-side-card {
  background: var(--pf-light);
  border: 1px solid var(--pf-line);
  border-radius: var(--pf-radius);
  padding: 0.95rem 1.05rem;
  margin: 0 0 1rem;
}
.pf-side-card { position: sticky; top: 88px; }
.pf-side-card h2 { font-size: 1.05rem; }
.pf-faq h2 { margin-bottom: 0.75rem; }
.pf-faq-item {
  border: 1px solid var(--pf-line);
  border-radius: 4px;
  padding: 0.15rem 0.85rem;
  background: #fff;
  margin-bottom: 0.45rem;
}
.pf-faq-item summary { cursor: pointer; font-weight: 600; font-size: 0.95rem; padding: 0.7rem 0; }
.pf-faq-a p { margin: 0 0 0.75rem; font-size: 0.92rem; }
.pf-related ul { padding-left: 1.1rem; }
.pf-cta-band { background: var(--pf-navy); color: #fff; padding: 2rem 0; }
.pf-cta-band h2 { color: #fff; font-size: var(--pf-h2); font-weight: 600; margin: 0 0 0.4rem; }
.pf-cta-band p { color: rgba(255,255,255,0.82); margin: 0; font-size: 0.95rem; }
.pf-cta-band-inner { display: flex; justify-content: space-between; gap: 1.5rem; align-items: center; }
.pf-cta-band-actions { display: flex; flex-wrap: wrap; gap: 0.6rem; flex: 0 0 auto; }
.pf-cta-band .pf-btn-ghost { color: #fff; border-color: rgba(255,255,255,0.28); }

.pf-form { background: #fff; border: 1px solid var(--pf-line); border-radius: var(--pf-radius); padding: 1.15rem; }
.pf-form fieldset { border: 0; padding: 0 0 1rem; margin: 0 0 0.4rem; }
.pf-form legend { font-weight: 600; color: var(--pf-navy); font-size: 1.02rem; margin-bottom: 0.65rem; }
.pf-form label { font-weight: 500; font-size: 0.875rem; }
.pf-fields {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.8rem 1rem;
}
.pf-span-2 { grid-column: 1 / -1; }
.pf-check { display: flex; gap: 0.55rem; align-items: flex-start; font-weight: 400; }
.pf-check input { width: auto; margin-top: 0.2rem; }
.cf-turnstile { margin: 1rem 0; }
.pf-form-alert.ok { background: #e8f7ee; color: #146c2e; }
.pf-form-alert.err { background: #fdecea; color: #b3261e; }
.pf-form input.is-invalid, .pf-form select.is-invalid, .pf-form textarea.is-invalid { border-color: #d93025; }

.pf-footer { background: var(--pf-navy); color: rgba(255,255,255, 0.82); padding: 2.5rem 0 1.2rem; font-size: 0.9rem; }
.pf-footer-grid {
  display: grid;
  grid-template-columns: 1.4fr repeat(4, minmax(0, 1fr));
  gap: 1.4rem;
}
.pf-footer-heading { color: #fff; font-weight: 600; font-size: 0.84rem; letter-spacing: 0.04em; text-transform: uppercase; margin: 0 0 0.65rem; }
.pf-footer-links { list-style: none; padding: 0; margin: 0; }
.pf-footer-links a { color: rgba(255,255,255,0.78); text-decoration: none; display: inline-block; padding: 0.18rem 0; font-weight: 400; }
.pf-footer-links a:hover { color: #fff; }
.pf-footer-blurb { margin: 0.85rem 0 1rem; font-size: 0.9rem; }
.pf-footer-cta { display: flex; flex-wrap: wrap; gap: 0.45rem; }
.pf-footer-cta .pf-btn-ghost { color: #fff; border-color: rgba(255,255,255,0.28); }
.pf-footer-bottom { border-top: 1px solid rgba(255,255,255,0.12); margin-top: 1.6rem; padding-top: 0.9rem; font-size: 0.82rem; }
.pf-footer-bottom a { color: #fff; }

.pf-table-wrap { overflow-x: auto; }
.pf-table { width: 100%; border-collapse: collapse; margin: 1rem 0; }
.pf-table th, .pf-table td { border: 1px solid var(--pf-line); padding: 0.65rem 0.75rem; text-align: left; vertical-align: top; }
.pf-table th { background: var(--pf-light); font-weight: 600; }
.pf-checklist li { margin-bottom: 0.4rem; }

@media (max-width: 1100px) {
  .pf-nav-cta .pf-btn-ghost { display: none; }
}

@media (max-width: 991.98px) {
  .pf-utility { display: none; }
  .pf-header {
    position: relative;
    backdrop-filter: none;
    -webkit-backdrop-filter: none;
  }
  .pf-nav-open, .pf-nav-close { display: grid; place-items: center; }
  .pf-site-nav {
    position: fixed;
    top: 0;
    left: 0;
    bottom: 0;
    width: min(100%, 420px);
    height: 100dvh;
    max-height: 100dvh;
    z-index: 2000;
    background: #fff;
    transform: translateX(-105%);
    transition: transform 0.22s ease;
    flex-direction: column;
    align-items: stretch;
    padding: 1rem;
    overflow: auto;
    box-shadow: var(--pf-shadow);
    justify-content: flex-start;
  }
  .pf-site-nav.is-open { transform: translateX(0); }
  .pf-nav-mobile-bar { display: flex; justify-content: space-between; align-items: center; font-weight: 600; }
  .pf-nav-list { flex-direction: column; align-items: stretch; }
  .pf-mega { position: static; min-width: 0; box-shadow: none; border: 0; padding: 0.2rem 0 0.6rem 0.6rem; }
  .pf-mega-grid { grid-template-columns: 1fr; }
  .pf-nav-cta { flex-direction: column; margin: 0.8rem 0 1rem; }
  .pf-nav-cta .pf-btn-ghost { display: inline-flex; }
  .pf-hero {
    display: flex;
    flex-direction: column;
    background: #fff;
  }
  .pf-hero-visual {
    position: relative;
    height: 17.5rem;
  }
  .pf-hero-visual img {
    height: 17.5rem;
    object-position: center 38%;
  }
  .pf-hero-inner {
    min-height: 0;
    padding: 1.25rem 0 1.75rem;
    align-items: stretch;
  }
  .pf-hero-copy {
    width: 100%;
    box-shadow: none;
    border: 0;
    padding: 0;
  }
  .pf-hero-copy h1 { max-width: none; }
  .pf-split, .pf-content-grid, .pf-cta-band-inner, .pf-audience-grid, .pf-footer-grid { grid-template-columns: 1fr; display: grid; }
  .pf-qualifier-grid, .pf-fields { grid-template-columns: 1fr; }
  .pf-page-hero h1 { max-width: none; }
  .pf-side-card { position: static; }
  .pf-header-inner { min-height: 60px; }
}

@media (max-width: 639.98px) {
  .container { width: min(var(--pf-max), calc(100% - 1.5rem)); }
  .pf-hero-visual,
  .pf-hero-visual img { height: 16rem; }
  .pf-hero h1 { font-size: 1.55rem; }
  .pf-section { padding: 2.1rem 0; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .pf-btn, .pf-card, .pf-site-nav { transition: none; }
}

@media print {
  .pf-utility, .pf-header, .pf-footer, .pf-cta-band, .pf-nav-cta, .pf-print-actions, .pf-sidebar, .pf-hero-visual { display: none !important; }
  .pf-hero { background: #fff; }
  .pf-hero-inner { min-height: 0; }
  .pf-hero-copy { box-shadow: none; border: 0; padding: 0; }
  .pf-content-grid { display: block; }
  a { color: inherit; text-decoration: none; }
}