:root{--navy:#061a3b;--blue:#135df5;--coral:#ff4b35;--warm:#fbfaf6;--ink:#17243a;--muted:#607086;--line:#dce4ee;--success:#0b7855}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--warm);font-family:Inter,Arial,sans-serif;line-height:1.7}a{color:var(--blue)}.topbar{color:#fff;background:var(--navy);display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:76px;padding:16px max(5vw,24px)}.brand{color:#fff;text-decoration:none;letter-spacing:.13em;font:900 24px/1 Arial,sans-serif}.brand i{color:var(--coral);font-style:normal}.topbar nav{display:flex;align-items:center;gap:19px;flex-wrap:wrap}.topbar nav a{color:#d9e4f3;text-decoration:none;font-size:12px}.topbar nav .refund-nav{color:#fff;background:var(--coral);border-radius:7px;padding:9px 12px;font-weight:800}.page-hero{color:#fff;background:linear-gradient(135deg,#061a3b 0%,#0d2b59 100%);padding:82px max(8vw,28px)}.page-hero .wrap{max-width:1060px}.eyebrow{color:#7ca4ff;text-transform:uppercase;letter-spacing:.18em;font-size:10px;font-weight:900}.page-hero h1{max-width:920px;margin:14px 0 20px;letter-spacing:-.045em;font:700 clamp(42px,6vw,76px)/1.02 Georgia,serif}.page-hero p{max-width:780px;color:#c8d4e5;font-size:18px}.updated{display:inline-block;color:#aebdd1;border-top:1px solid #334866;margin-top:22px;padding-top:12px;font-size:11px}.content{max-width:1060px;margin:auto;padding:66px max(4vw,24px) 90px}.content h2{color:var(--navy);margin:52px 0 14px;letter-spacing:-.025em;font:700 clamp(26px,3vw,38px)/1.15 Georgia,serif}.content h3{color:var(--navy);margin:30px 0 8px;font-size:17px}.content p,.content li{color:#3f4f64}.content ul,.content ol{padding-left:24px}.content li+li{margin-top:7px}.lead{color:var(--navy)!important;font-size:20px;line-height:1.6}.notice{background:#eef4ff;border-left:4px solid var(--blue);padding:20px 22px;margin:28px 0}.notice.warning{background:#fff1ec;border-color:var(--coral)}.facts{background:#fff;border:1px solid var(--line);display:grid;grid-template-columns:repeat(2,minmax(0,1fr));margin:30px 0}.facts div{padding:18px 20px;border-bottom:1px solid var(--line)}.facts div:nth-child(odd){border-right:1px solid var(--line)}.facts b{display:block;color:var(--navy);font-size:11px;text-transform:uppercase;letter-spacing:.09em}.facts span{color:#425269}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:28px 0}.card{background:#fff;border:1px solid var(--line);padding:24px}.card b{color:var(--blue);font-size:11px;letter-spacing:.11em}.card h3{margin:9px 0}.image-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:34px 0}.image-grid figure{margin:0;background:#fff;border:1px solid var(--line)}.image-grid img{width:100%;height:230px;object-fit:cover;display:block}.image-grid figcaption{padding:14px 16px;color:#536278;font-size:12px}.policy-index{background:#fff;border:1px solid var(--line);padding:23px;margin:28px 0}.policy-index a{display:inline-block;margin:4px 15px 4px 0}.action-row{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}.action{display:inline-flex;align-items:center;justify-content:center;color:#fff;background:var(--coral);border:0;border-radius:7px;min-height:46px;padding:0 18px;text-decoration:none;font-weight:800}.action.secondary{background:var(--navy)}.form-card{background:#fff;border:1px solid var(--line);max-width:700px;padding:30px;margin:30px 0;box-shadow:0 18px 50px #061a3b0c}.form-grid{display:grid;gap:18px}.form-grid label{display:grid;gap:7px;color:var(--navy);font-size:12px;font-weight:800}.form-grid input{width:100%;border:1px solid #c7d3e2;border-radius:8px;padding:13px 14px;font:14px Arial}.form-grid input:focus{outline:3px solid #135df52b;border-color:var(--blue)}.hp{position:absolute!important;left:-10000px!important}.form-message{min-height:26px;margin:15px 0 0}.claim{background:#e9f8f2;border:1px solid #9ad7c1;padding:22px;margin-top:20px}.claim strong{color:var(--success);display:block;font-size:20px;word-break:break-word}.site-footer{color:#b8c6d8;background:var(--navy);padding:36px max(5vw,24px)}.site-footer .footer-inner{max-width:1060px;margin:auto}.site-footer nav{display:flex;gap:18px;flex-wrap:wrap;margin:14px 0}.site-footer a{color:#fff;text-decoration:none;font-size:12px}.site-footer small{font-size:11px}.source-note{font-size:12px}.source-note a{word-break:break-word}@media(max-width:780px){.topbar{align-items:flex-start;flex-direction:column}.topbar nav{gap:11px}.page-hero{padding-top:55px;padding-bottom:55px}.facts,.cards,.image-grid{grid-template-columns:1fr}.facts div:nth-child(odd){border-right:0}.image-grid img{height:210px}.content{padding-top:42px}.form-card{padding:22px}}