:root{color-scheme:light dark;--bg:#fff;--surface:#fff;--surface-2:#eff6ff;--ink:#203044;--muted:#596c84;--line:#dce3eb;--line-strong:#8090a4;--accent:#2563eb;--accent-ink:#fff;--accent-text:#2059d4;--ok:#166534;--err:#b42318;--radius:14px;--shadow:0 6px 18px #20304408;--font:-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif}
@media(prefers-color-scheme:dark){:root{--bg:#101923;--surface:#192635;--surface-2:#213653;--ink:#ebf1fa;--muted:#aabbd0;--line:#374a60;--line-strong:#8396ad;--accent:#8ab8ff;--accent-ink:#10243b;--accent-text:#8ab8ff;--ok:#91e4ae;--err:#ffaaa3;--radius:14px;--shadow:0 6px 18px #0002;--font:-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif}}
*{box-sizing:border-box}html{scroll-padding-top:24px}body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.6 var(--font)}a{color:var(--accent-text);text-underline-offset:3px}a:hover{text-decoration-thickness:2px}button,input,select{font:inherit}a,button,input,select,summary{-webkit-tap-highlight-color:transparent}:focus-visible{outline:3px solid var(--accent);outline-offset:4px}.wrap{width:calc(100% - 32px);max-width:1176px;margin-inline:auto}.skip{position:absolute;left:16px;top:-80px;padding:10px 18px;background:var(--surface);z-index:10}.skip:focus{top:8px}.site-header{display:flex;align-items:center;gap:30px;min-height:80px}.brand{display:flex;align-items:center;gap:16px;color:var(--ink);text-decoration:none;font-size:23px;font-weight:700;letter-spacing:-.6px;line-height:1.2}.mark{width:43px;height:44px;flex:none;color:var(--accent)}.site-header nav{display:flex;gap:30px;margin-left:auto;font-size:14px;white-space:nowrap}.site-header nav a{color:var(--ink);text-decoration:none}.button,button[type=submit]{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:10px 22px;border:1px solid var(--accent);border-radius:9px;background:var(--accent);color:var(--accent-ink);font-weight:650;text-align:center;text-decoration:none;line-height:1.3;cursor:pointer}.button:hover,button[type=submit]:hover{filter:brightness(.96)}.header-cta{font-size:14px;min-height:42px;padding:10px 18px;white-space:nowrap}.hero{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);column-gap:48px;position:relative;padding-top:32px;padding-bottom:90px}.hero-copy{padding-top:34px}h1,h2,h3,p{margin-top:0}h1{font-size:64px;line-height:1.18;letter-spacing:-2.7px;margin-bottom:22px;font-weight:750}.subline{font-size:22px;line-height:1.4;color:var(--muted);margin:24px 0 30px}.hero-cta{min-width:265px;min-height:55px;font-size:18px}.guide-link{display:block;width:fit-content;margin-top:14px;font-size:18px;text-decoration:none}.hero-document{margin-top:30px}.hero-document .mark{width:156px;height:142px}.quote-column{min-width:0}.quote-card{padding:24px 25px 18px;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);background:var(--surface)}.quote-card h2{font-size:29px;line-height:1.2;letter-spacing:-1px;margin:0 0 18px;font-weight:750}.lead{display:grid;gap:18px}.field{min-width:0}.field>label,legend{display:block;font-size:14px;line-height:1.4;margin-bottom:6px}.field input,.field select{display:block;width:100%;height:41px;padding:8px 12px;border:1px solid var(--line-strong);border-radius:6px;color:var(--ink);background:var(--surface);min-width:0}.field input::placeholder{color:var(--muted);opacity:1}.field select{padding-right:7px}fieldset{border:0;padding:0;margin:0;min-width:0}legend{padding:0}.choices{display:flex;gap:36px;min-height:34px;align-items:center}.choices label{display:inline-flex;align-items:center;gap:10px;font-size:14px;cursor:pointer;min-height:34px}.choices input{appearance:none;flex:none;width:20px;height:20px;margin:0;border:1px solid var(--line-strong);border-radius:50%;background:var(--surface)}.choices input:checked{border:2px solid var(--accent);background:var(--accent);box-shadow:inset 0 0 0 3px var(--surface)}.field-pair{display:grid;grid-template-columns:1fr 1fr;gap:16px}.lead button{width:100%;min-height:48px;font-size:18px}.lead button:disabled{cursor:wait;opacity:.75}.lead-status{margin:0;font-size:14px;overflow-wrap:anywhere}.lead-status:empty{display:none}.lead-status.ok{color:var(--ok)}.lead-status.err{color:var(--err)}[aria-invalid=true]{border-color:var(--err)!important;outline:2px solid var(--err);outline-offset:1px}.hp{position:absolute;left:-10000px;top:auto;width:1px;height:1px;overflow:hidden}.routing{font-size:14px;line-height:1.5;color:var(--muted);margin:10px 7px 0}.quote-notes{font-size:14px;line-height:1.6;margin:34px 7px 0}.quote-notes p{margin-bottom:12px}.privacy{font-size:13px;color:var(--muted)}.first-disclaimer{position:absolute;top:700px;left:0;right:0;text-align:center;font-size:12px;color:var(--muted);margin:0}.section{padding-block:72px;scroll-margin-top:24px;border-top:1px solid var(--line)}h2{font-size:34px;line-height:1.2;letter-spacing:-1px;margin-bottom:22px}h3{font-size:20px;line-height:1.3;letter-spacing:-.3px;margin-bottom:12px}.eyebrow{font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--accent-text);margin-bottom:14px}.section-heading{max-width:660px;margin-bottom:34px}.section-heading p:last-child{color:var(--muted);font-size:18px}.guide-steps{list-style:none;counter-reset:guide;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:24px 40px}.guide-steps li{counter-increment:guide;position:relative;padding:22px 0 0 46px;border-top:1px solid var(--line)}.guide-steps li:before{content:counter(guide,decimal-leading-zero);position:absolute;left:0;color:var(--accent-text);font-size:20px;font-weight:700;line-height:1.3}.guide-steps p{color:var(--muted);margin-bottom:0}.article-link{margin:32px 0 0;font-weight:650}.soft{background:var(--surface-2)}.questions{display:grid;grid-template-columns:1fr 1.3fr;gap:70px}.questions ul{margin:0;padding-left:22px}.questions li{padding:0 0 14px 5px}.how-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-block:30px 22px}.info-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:26px}.info-card p{margin-bottom:0;color:var(--muted)}.step-number{display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;background:var(--surface-2);color:var(--accent-text);border-radius:50%;font-weight:700;margin-bottom:20px}.muted{color:var(--muted)}.faq-section{padding-top:64px}.faq{max-width:840px}.faq details{border-bottom:1px solid var(--line);padding-block:19px}.faq summary{cursor:pointer;font-weight:650;line-height:1.5;padding-right:16px}.faq details p{margin:14px 0 2px;color:var(--muted)}.site-footer{padding:46px 0 30px;border-top:1px solid var(--line);background:var(--surface)}.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:24px;font-size:14px}.site-footer p{margin-bottom:10px}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin-bottom:6px}.footer-label{font-weight:650}.disclaimer{grid-column:1/-1;padding-top:20px;border-top:1px solid var(--line);color:var(--muted);font-size:12px}.article{max-width:840px;padding-block:70px 84px}.article h1{font-size:50px;line-height:1.12;letter-spacing:-1.8px}.article .intro{font-size:20px;line-height:1.6}.article section{margin-top:44px}.article h2{font-size:28px;margin-bottom:18px}.article p{margin-bottom:18px}.byline{color:var(--muted);font-size:14px}.message{border:1px solid var(--line);border-left:4px solid var(--accent);background:var(--surface-2);border-radius:0 var(--radius) var(--radius) 0;padding:24px}.message p:last-child{margin-bottom:0}.table-scroll{overflow-x:auto}table{border-collapse:collapse;width:100%;font-size:15px;background:var(--surface);table-layout:fixed}caption{text-align:left;font-weight:650;padding-bottom:12px}th,td{border:1px solid var(--line-strong);padding:12px;text-align:left;overflow-wrap:anywhere}thead{background:var(--surface-2)}th:first-child{width:48%}tbody th{font-weight:500}dfn{font-style:normal;font-weight:650}
@media(min-width:901px){.quote-notes{margin-top:72px}.hero{padding-bottom:50px}}
@media(max-width:1100px) and (min-width:701px){.brand{font-size:19px;gap:8px}.site-header{gap:20px}.site-header nav{gap:20px}h1{font-size:52px}.hero{gap:30px}.choices{gap:20px}.subline{font-size:19px}}
@media(max-width:700px){.site-header{min-height:108px;display:grid;grid-template-columns:1fr 108px;gap:0 16px;padding-top:12px;padding-bottom:12px;position:relative}.site-header:after{content:"";position:absolute;left:-16px;right:-16px;bottom:0;border-bottom:1px solid var(--line)}.brand{font-size:15px;letter-spacing:-.4px;gap:10px;max-width:190px;align-self:start;padding-top:5px}.brand .mark{width:30px;height:34px}.brand span{max-width:130px}.header-cta{grid-column:2;grid-row:1;font-size:12px;white-space:normal;min-height:44px;padding:6px 12px;border-radius:5px}.site-header nav{grid-column:1/-1;grid-row:2;margin:17px 0 0 5px;gap:28px;font-size:13px}.hero{display:block;padding-top:33px;padding-bottom:42px}.hero-copy{padding-top:0}h1{font-size:35px;line-height:1.13;letter-spacing:-1.25px;font-weight:750;margin:0 0 14px}.subline{font-size:16px;line-height:1.5;margin:14px 4px 18px}.hero-cta{width:100%;min-height:43px;font-size:14px;border-radius:5px}.guide-link{font-size:13px;margin-top:13px;text-decoration:underline}.hero-document{display:none}.quote-column{margin-top:24px}.quote-card{padding:18px 16px 16px;border-radius:9px;box-shadow:none}.quote-card h2{font-size:20px;letter-spacing:-.65px;margin-bottom:16px}.lead{gap:12px}.field>label,legend{font-size:13px;margin-bottom:5px}.field input,.field select{height:39px;font-size:16px;padding:7px 10px;border-radius:5px}.field-pair{gap:10px}.choices{gap:6px;min-height:39px}.choices label{flex:1;justify-content:flex-start;padding:7px 9px;border:1px solid var(--line-strong);border-radius:5px;gap:8px;font-size:12px;min-height:39px}.choices input{width:16px;height:16px}.trade .choices{min-height:30px;gap:8px}.trade .choices label{flex:0 0 auto;min-height:30px;padding:3px 11px;gap:10px}.trade legend{margin-bottom:3px}.lead button{font-size:16px;min-height:44px}.routing{font-size:13px;margin:12px 2px 0}.quote-notes{margin:20px 2px 0}.first-disclaimer{position:static;font-size:11px;line-height:1.5;margin-top:30px}.section{padding-block:44px}h2{font-size:28px}h3{font-size:19px}.guide-steps{grid-template-columns:1fr;gap:22px}.guide-steps li{padding-left:40px}.questions{display:block}.questions ul{margin-top:25px}.how-grid{grid-template-columns:1fr;gap:14px}.info-card{padding:22px}.step-number{margin-bottom:14px}.footer-grid{grid-template-columns:1fr;gap:24px}.site-footer{padding-top:32px}.article{padding-block:36px 52px}.article h1{font-size:35px;line-height:1.13;letter-spacing:-1px}.article .intro{font-size:18px}.article h2{font-size:25px}.article section{margin-top:34px}.message{padding:18px}th,td{padding:10px 7px;font-size:13px}}
@media(prefers-reduced-motion:no-preference){html{scroll-behavior:smooth}}
/* refine pass 1 (Claude, vs concept): custom select chevron like the concept; slightly looser display tracking. */
select,.field select{-webkit-appearance:none;appearance:none;padding-right:34px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8' fill='none' stroke='%2364748b' stroke-width='1.6' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m1 1.5 5 5 5-5'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;background-size:12px 8px}
h1{letter-spacing:-1.6px}
@media (max-width:600px){h1{letter-spacing:-1.1px}}