:root{--cf-navy:#003366;--cf-orange:#e8a33d;--cf-ink:#253241;--cf-muted:#657383;--cf-line:#dfe6ed;--cf-soft:#f6f8fa;--cf-warm:#fbf6ec}
html{scroll-behavior:smooth}body{color:var(--cf-ink)}.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
/* navigation */
#g-navigation{position:relative;z-index:100}.cf-main-nav{position:relative}.cf-nav-list{display:flex;align-items:center;justify-content:flex-end;gap:.15rem}.cf-nav-list>li{position:relative;list-style:none}.cf-nav-list>li>a{display:flex!important;align-items:center;gap:.35rem;padding:.75rem .85rem!important}.cf-nav-apply{background:var(--cf-orange);border-radius:5px;color:var(--cf-navy)!important;font-weight:700}.cf-nav-chevron{font-size:.7rem;opacity:.75}.cf-mega-menu{display:none;position:absolute;right:-11rem;top:100%;width:min(760px,90vw);grid-template-columns:repeat(3,1fr);gap:1rem;padding:1.15rem;background:#fff;border:1px solid var(--cf-line);border-top:4px solid var(--cf-orange);border-radius:0 0 12px 12px;box-shadow:0 18px 45px rgba(0,33,66,.18);text-align:left}.cf-has-mega:hover .cf-mega-menu,.cf-has-mega:focus-within .cf-mega-menu{display:grid}.cf-mega-col{display:flex;flex-direction:column;gap:.25rem}.cf-mega-col strong{color:var(--cf-navy);font-size:.77rem;letter-spacing:.06em;text-transform:uppercase;padding:.2rem .45rem .5rem}.cf-mega-col a,.cf-mega-all{display:block;padding:.48rem .55rem;border-radius:5px;color:var(--cf-ink)!important;text-decoration:none!important;font-size:.93rem}.cf-mega-col a:hover{background:var(--cf-soft);color:var(--cf-navy)!important}.cf-mega-all{grid-column:1/-1;border-top:1px solid var(--cf-line);padding-top:.75rem;color:var(--cf-navy)!important;font-weight:700}.cf-mobile-toggle,.cf-mobile-panel{display:none}
/* page shell */
.cf-main{background:#f8fafc}.cf-page{max-width:1120px;margin:0 auto;padding:1.25rem 1.1rem 4rem}.cf-breadcrumb{font-size:.86rem;color:var(--cf-muted);margin:0 0 1.25rem}.cf-breadcrumb a{color:var(--cf-navy);text-decoration:none}.cf-breadcrumb span{margin:0 .42rem;color:#9aa5b1}.cf-hero{max-width:900px;margin:0 auto 1.25rem;text-align:center;padding:1.5rem 1rem 1.15rem}.cf-badge{display:inline-flex;padding:.32rem .8rem;border-radius:99px;background:var(--cf-navy);color:#fff;font-size:.72rem;font-weight:800;letter-spacing:.07em;text-transform:uppercase;margin-bottom:.75rem}.cf-hero h1{color:var(--cf-navy);font-size:clamp(1.85rem,4vw,2.65rem);line-height:1.15;margin:.1rem 0 .75rem}.cf-hero-sub{font-size:1.08rem;line-height:1.65;color:#526170;max-width:780px;margin:0 auto}.cf-trust-strip{display:flex;flex-wrap:wrap;gap:.55rem;justify-content:center;margin:.85rem auto 0}.cf-trust-strip span{background:#fff;border:1px solid var(--cf-line);border-radius:99px;padding:.32rem .7rem;color:#516070;font-size:.78rem}.cf-top-actions{display:flex;justify-content:center;flex-wrap:wrap;gap:.7rem;margin:1.15rem 0 0}.cf-btn{display:inline-flex;align-items:center;justify-content:center;gap:.45rem;padding:.72rem 1.2rem;border-radius:6px;border:2px solid var(--cf-navy);font-weight:800;text-decoration:none!important}.cf-btn-primary{background:var(--cf-navy);color:#fff!important}.cf-btn-primary:hover{background:var(--cf-orange);border-color:var(--cf-orange);color:var(--cf-navy)!important}.cf-btn-secondary{background:#fff;color:var(--cf-navy)!important}.cf-btn-secondary:hover{background:var(--cf-soft)}
.cf-content{max-width:880px;margin:0 auto;background:#fff;border:1px solid var(--cf-line);border-radius:12px;padding:1.65rem 1.75rem 2.2rem;box-shadow:0 7px 24px rgba(0,51,102,.06)}.cf-content h2{color:var(--cf-navy);font-size:1.4rem;line-height:1.3;margin:2.15rem 0 .85rem;padding-top:.2rem}.cf-content h2:first-child{margin-top:.25rem}.cf-content h3{color:var(--cf-navy);font-size:1.1rem;margin:1.4rem 0 .55rem}.cf-content p,.cf-content li{font-size:1rem;line-height:1.72}.cf-content p{margin:.55rem 0 1rem}.cf-content ul,.cf-content ol{padding-left:1.35rem;margin:.55rem 0 1.1rem}.cf-content li{margin:.3rem 0}.cf-content a{color:var(--cf-navy);font-weight:650;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:2px}.cf-content blockquote{margin:1rem 0;padding:1rem 1.15rem;background:var(--cf-warm);border-left:4px solid var(--cf-orange);border-radius:6px}.cf-content blockquote p{margin:0}.cf-table-wrap{overflow-x:auto;margin:1rem 0 1.35rem;border:1px solid var(--cf-line);border-radius:9px}.cf-content table{border-collapse:collapse;width:100%;min-width:560px;margin:0}.cf-content th{background:var(--cf-navy);color:#fff;text-align:left;padding:.7rem .75rem;font-size:.9rem}.cf-content td{border-top:1px solid var(--cf-line);padding:.7rem .75rem;vertical-align:top}.cf-content tbody tr:nth-child(even){background:#fafbfd}.cf-placeholder{display:inline-block;padding:.15rem .45rem;border-radius:4px;background:#f0f3f6;color:#687685;font-family:monospace}.cf-section-card{border:1px solid var(--cf-line);border-left:4px solid var(--cf-orange);padding:1rem 1.15rem;border-radius:8px;background:#fff;margin:1rem 0}.cf-content hr{border:0;border-top:1px solid var(--cf-line);margin:2rem 0}
/* calculators */
.cf-tool{max-width:880px;margin:0 auto 1.25rem;background:#fff;border:1px solid var(--cf-line);border-top:4px solid var(--cf-orange);border-radius:12px;padding:1.25rem 1.35rem;box-shadow:0 7px 22px rgba(0,51,102,.07)}.cf-tool h2{color:var(--cf-navy);font-size:1.25rem;margin:0 0 .45rem}.cf-tool>p{color:var(--cf-muted);margin:.2rem 0 1rem}.cf-tool-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.8rem}.cf-field label{display:block;font-weight:700;color:var(--cf-navy);font-size:.86rem;margin-bottom:.25rem}.cf-input-wrap{display:flex;align-items:center;border:1px solid #bdc8d3;border-radius:6px;background:#fff;overflow:hidden}.cf-input-wrap span{padding:0 .65rem;color:#667584;font-weight:700}.cf-input-wrap input{width:100%;border:0;padding:.65rem .65rem .65rem 0;font-size:1rem;outline:none}.cf-tool-result{margin-top:1rem;padding:.85rem 1rem;background:#f3f7fb;border-radius:8px;display:flex;flex-wrap:wrap;gap:.6rem;align-items:center;justify-content:space-between}.cf-tool-result strong{color:var(--cf-navy);font-size:1.15rem}.cf-route-links{display:flex;flex-wrap:wrap;gap:.4rem;margin-top:.7rem}.cf-route-links a{padding:.35rem .6rem;border:1px solid #b9c7d4;border-radius:99px;color:var(--cf-navy);font-size:.82rem;text-decoration:none;font-weight:700}.cf-route-links a:hover{background:var(--cf-navy);color:#fff}.cf-tool-note{font-size:.8rem!important;color:#6c7885!important;margin:.7rem 0 0!important}
/* related / cta */
.cf-bottom-cta{max-width:880px;margin:1.4rem auto 0;background:var(--cf-navy);border-radius:12px;padding:1.4rem 1.6rem;text-align:center;color:#fff}.cf-bottom-cta h2{color:#fff;margin:0 0 .45rem;font-size:1.25rem}.cf-bottom-cta p{margin:0 0 1rem;color:#dce7f2}.cf-bottom-cta .cf-btn-secondary{background:transparent;color:#fff!important;border-color:var(--cf-orange)}
/* footer */
.cf-footer-grid{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:1.25fr .8fr .9fr 1fr;gap:1.5rem;padding:0 1rem}.cf-footer-grid h6{margin:0 0 .65rem;color:#fff;letter-spacing:.05em}.cf-footer-grid a{display:block;color:#dce5ef;text-decoration:none;padding:.2rem 0;font-size:.88rem}.cf-footer-grid a:hover{color:var(--cf-orange)}.cf-footer-about{max-width:1100px;margin:1.4rem auto 0;padding:1rem;border-top:1px solid rgba(255,255,255,.18);color:#dce5ef;font-size:.86rem;line-height:1.6}.cf-copyright,.cf-disclaimer{max-width:1000px;margin:0 auto;text-align:center;padding:0 1rem}.cf-copyright{color:#fff;font-size:.85rem}.cf-copyright a{color:var(--cf-orange)}.cf-disclaimer{margin-top:.65rem;color:#d8e1ea;font-size:.76rem;line-height:1.55;opacity:.86}
/* sticky */
.cf-sticky-apply{position:fixed;right:1.25rem;bottom:1.25rem;z-index:995}.cf-sticky-apply a{display:inline-flex;gap:.45rem;align-items:center;background:var(--cf-navy);border:2px solid var(--cf-orange);color:#fff;text-decoration:none;font-weight:800;padding:.75rem 1.15rem;border-radius:99px;box-shadow:0 8px 24px rgba(0,31,61,.28)}.cf-sticky-apply a:hover{background:var(--cf-orange);color:var(--cf-navy)}
/* location directory */
.cf-location-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(245px,1fr));gap:1rem;margin:1rem 0}.cf-location-card{display:block;border:1px solid var(--cf-line);border-top:4px solid var(--cf-orange);border-radius:9px;padding:1rem;background:#fff;text-decoration:none!important}.cf-location-card h3{margin:0 0 .35rem}.cf-location-card p{font-size:.9rem;margin:.25rem 0;color:#4e5c69}.cf-location-actions{display:flex;gap:.45rem;flex-wrap:wrap;margin-top:.65rem}.cf-location-actions a{font-size:.82rem;padding:.35rem .55rem;border:1px solid #bdc9d4;border-radius:5px;text-decoration:none}
/* responsive */
@media(max-width:62rem){.cf-nav-list{display:none}.cf-mobile-toggle{display:inline-flex;align-items:center;justify-content:center;border:0;background:transparent;color:var(--cf-navy);font-size:1.35rem;padding:.65rem;margin-left:auto}.cf-mobile-panel{position:absolute;top:100%;left:0;right:0;background:#fff;border-top:1px solid var(--cf-line);box-shadow:0 12px 28px rgba(0,33,66,.16);z-index:1000;padding:.6rem 1rem 1rem}.cf-mobile-panel[hidden]{display:none}.cf-mobile-panel:not([hidden]){display:block}.cf-mobile-panel nav>a,.cf-mobile-panel summary,.cf-mobile-panel details a{display:block;padding:.7rem .5rem;color:var(--cf-navy);text-decoration:none;font-weight:700;border-bottom:1px solid #eef1f4}.cf-mobile-panel summary{cursor:pointer}.cf-mobile-panel details a{padding-left:1.3rem;font-weight:600;color:#3f5060}.cf-footer-grid{grid-template-columns:repeat(2,1fr)}.cf-tool-grid{grid-template-columns:1fr}.cf-content{padding:1.25rem}.cf-page{padding-left:.7rem;padding-right:.7rem}.cf-sticky-apply{left:0;right:0;bottom:0}.cf-sticky-apply a{border-radius:0;border:0;width:100%;justify-content:center;padding:.9rem}body{padding-bottom:54px}}
@media(max-width:37rem){.cf-footer-grid{grid-template-columns:1fr}.cf-hero{padding-left:.25rem;padding-right:.25rem}.cf-hero h1{font-size:1.85rem}.cf-content{padding:1rem}.cf-table-wrap{margin-left:-.3rem;margin-right:-.3rem}.cf-top-actions{display:grid}.cf-btn{width:100%}}
/* final visual hardening */
.cf-nav-list>li>a{white-space:nowrap!important;font-size:.91rem}
.cf-hero>.cf-badge{display:inline-flex!important;width:auto!important;max-width:100%!important}
#g-navigation .g-logo img{height:auto;max-width:100%;width:auto}
@media(max-width:62rem){
  #g-navigation .g-grid{display:flex!important;align-items:center!important;justify-content:space-between!important;flex-wrap:nowrap!important}
  #g-navigation .g-block.size-30{width:auto!important;flex:1 1 auto!important;max-width:78%!important}
  #g-navigation .g-block.size-70{width:auto!important;flex:0 0 auto!important}
  #g-navigation .g-content{margin:.55rem .7rem!important;padding:0!important}
  #g-navigation .g-logo{display:block;max-width:270px}
  .cf-mobile-toggle{margin:0!important;padding:.55rem .7rem!important}
}

/* Secure external form loader */
.cf-form-loader-status{margin:0 0 1rem;padding:.8rem 1rem;border:1px solid #d9e1e8;border-radius:6px;background:#f7f9fb;color:#334;font-weight:600}
.cf-form-loader-delayed{border-color:#e8a33d;background:#fff9ef}


/* V11 restored full money-page content */
.cf-v11-restored{max-width:880px;margin:1.15rem auto 0}
.cf-v11-restored .cf-content{margin-top:0}
.cf-v11-restored .cf-content h2,.cf-v11-restored .cf-content h3{scroll-margin-top:90px}
.cf-v11-emphasis-heading{border-left:4px solid var(--cf-orange);padding-left:.75rem}
.cf-v11-action-link{display:inline-block;margin:.15rem .15rem .15rem 0}
.cf-v11-restored .cf-content > p + h2,
.cf-v11-restored .cf-content > ul + h2,
.cf-v11-restored .cf-content > ol + h2{margin-top:2.25rem}
@media(max-width:37rem){.cf-v11-restored .cf-content{border-radius:9px}.cf-v11-restored .cf-content table{min-width:520px}}


/* V13 completed planners */
.cf-example-note{margin:.7rem 0 1rem!important;padding:.7rem .85rem;background:#f7fafc;border:1px solid #dce5ed;border-left:4px solid var(--cf-orange);border-radius:6px;color:#4d5d6c;font-size:.9rem!important}
.cf-inline-planner{max-width:none;margin:1rem 0 1.3rem;box-shadow:none}
.cf-live-table input[type=number],.cf-live-table input[type=text],.cf-plan-input{width:100%;min-width:90px;box-sizing:border-box;border:1px solid #bdc8d3;border-radius:5px;background:#fff;padding:.48rem .55rem;color:#23384d;font:inherit}
.cf-live-table input[type=number]:focus,.cf-live-table input[type=text]:focus,.cf-plan-input:focus{outline:2px solid rgba(232,163,61,.35);border-color:var(--cf-orange)}
.cf-num-cell{min-width:145px;white-space:nowrap}.cf-num-cell>span{display:inline-block;margin-right:.25rem;color:#657383;font-weight:700}.cf-num-cell input{display:inline-block;width:calc(100% - 1.25rem)}
.cf-total-row{background:#f3f7fb!important}.cf-total-row strong{color:var(--cf-navy)}
.cf-subhead-cell{background:#eef3f7!important;color:var(--cf-navy);font-size:.85rem;text-transform:uppercase;letter-spacing:.04em}
.cf-check-cell{text-align:center;width:105px}.cf-check-cell input[type=checkbox]{width:20px;height:20px;accent-color:var(--cf-navy);cursor:pointer}
.cf-answer-grid{display:grid;grid-template-columns:1fr 1fr;gap:.8rem;margin:.8rem 0 1.25rem}.cf-answer-grid>label{font-weight:700;color:var(--cf-navy);font-size:.9rem}.cf-answer-grid .cf-input-wrap,.cf-answer-grid .cf-plan-text{margin-top:.35rem}.cf-plan-text{display:block}
@media(max-width:42rem){.cf-answer-grid{grid-template-columns:1fr}.cf-num-cell{min-width:125px}.cf-live-table table{min-width:640px}}


/* V14 intent-driven visual decision modules */
.cf-intent-visual{--iv-navy:#23384d;--iv-blue:#3f6f96;--iv-orange:#e8a33d;--iv-bg:#f6f9fb;max-width:980px;margin:1.35rem auto 1.8rem;padding:1.15rem 1.2rem 1.25rem;background:linear-gradient(180deg,#fff 0%,#f7fafc 100%);border:1px solid #dce5ed;border-radius:12px;box-shadow:0 6px 20px rgba(35,56,77,.06)}
.cf-intent-head{max-width:760px;margin:0 0 1rem}.cf-intent-head h2{margin:.18rem 0 .35rem!important;color:var(--iv-navy)!important;font-size:1.42rem!important;line-height:1.18}.cf-intent-head p{margin:0!important;color:#5c6975!important;font-size:.96rem!important;line-height:1.55}
.cf-intent-eyebrow{display:inline-block;color:#8b5a12;font-weight:800;font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;background:#fff4df;border:1px solid #f2d39a;border-radius:999px;padding:.22rem .55rem}
.cf-flow-track{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:.65rem;counter-reset:flow}
.cf-flow-card{position:relative;display:block;min-width:0;padding:.85rem .85rem .8rem;background:#fff;border:1px solid #dfe7ee;border-radius:9px;text-decoration:none!important;color:inherit!important;transition:transform .15s ease,border-color .15s ease,box-shadow .15s ease}
a.cf-flow-card:hover{transform:translateY(-2px);border-color:#b9c9d8;box-shadow:0 5px 14px rgba(35,56,77,.09)}
.cf-step-no{display:flex;align-items:center;justify-content:center;width:28px;height:28px;border-radius:50%;background:var(--iv-navy);color:#fff;font-weight:800;font-size:.8rem;margin-bottom:.55rem}
.cf-flow-card strong{display:block;color:var(--iv-navy);font-size:.94rem;line-height:1.25}.cf-flow-card p{margin:.34rem 0 0!important;color:#63707b!important;font-size:.82rem!important;line-height:1.45}
.cf-choice-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:.7rem}.cf-choice-card{position:relative;display:block;padding:.9rem;background:#fff;border:1px solid #dfe7ee;border-top:3px solid var(--iv-blue);border-radius:9px;text-decoration:none!important;color:inherit!important;transition:.15s ease}.cf-choice-card:hover{border-top-color:var(--iv-orange);box-shadow:0 5px 14px rgba(35,56,77,.08)}
.cf-choice-card strong{display:block;color:var(--iv-navy);font-size:.95rem;line-height:1.25}.cf-choice-card p{margin:.35rem 0 0!important;color:#63707b!important;font-size:.84rem!important;line-height:1.45}.cf-card-badge{display:inline-block;margin-bottom:.48rem;font-size:.67rem;font-weight:800;text-transform:uppercase;letter-spacing:.05em;color:#5b6d7d;background:#eef3f7;border-radius:999px;padding:.2rem .45rem}
.cf-split-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:.75rem}.cf-split-card{padding:1rem;background:#fff;border:1px solid #dfe7ee;border-radius:10px}.cf-split-card strong{display:block;color:var(--iv-navy);font-size:1rem}.cf-split-card p{margin:.35rem 0 .55rem!important;color:#66727d!important;font-size:.84rem!important}.cf-split-card ul{margin:.2rem 0 0 1.05rem;padding:0}.cf-split-card li{margin:.28rem 0;color:#465563;font-size:.84rem}
.cf-amount-ladder{display:grid;grid-template-columns:repeat(7,1fr);gap:.42rem}.cf-amount-step{display:flex;min-width:0;min-height:76px;flex-direction:column;justify-content:center;align-items:center;text-align:center;padding:.6rem .35rem;background:#fff;border:1px solid #dbe4ec;border-radius:8px;text-decoration:none!important}.cf-amount-step:hover{border-color:var(--iv-orange);box-shadow:0 4px 12px rgba(35,56,77,.08)}.cf-amount-step strong{color:var(--iv-navy);font-size:1rem}.cf-amount-step span{margin-top:.22rem;color:#6a7782;font-size:.7rem;line-height:1.25}
.cf-local-choice .cf-choice-card{border-top-color:var(--iv-orange)}.cf-branch-action .cf-flow-card:nth-child(2) .cf-step-no{background:var(--iv-orange);color:#23384d}
.cf-review-map .cf-choice-card,.cf-product-matcher .cf-choice-card,.cf-alternative-map .cf-choice-card{min-height:135px}
.cf-complaint-path{background:#fafbfc;box-shadow:none}
@media(max-width:68rem){.cf-amount-ladder{grid-template-columns:repeat(4,1fr)}}
@media(max-width:48rem){.cf-intent-visual{padding:1rem .85rem;margin:1rem auto 1.35rem}.cf-flow-track,.cf-choice-grid,.cf-split-grid{grid-template-columns:1fr 1fr}.cf-amount-ladder{grid-template-columns:repeat(2,1fr)}}
@media(max-width:34rem){.cf-flow-track,.cf-choice-grid,.cf-split-grid{grid-template-columns:1fr}.cf-intent-head h2{font-size:1.24rem!important}.cf-flow-card,.cf-choice-card,.cf-split-card{padding:.8rem}.cf-amount-step{min-height:68px}}