:root{--ink:#00394a;--blue:#007fad;--red:#f52b3e;--muted:#5b676c;--line:#dfe4e5;--paper:#fff;--soft:#f4f5f5}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--muted);font:15px/1.45 Arial,Helvetica,sans-serif;background:var(--paper)}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
button,input{font:inherit}
.skip-link{position:fixed;z-index:99;left:1rem;top:-5rem;background:#fff;padding:.7rem 1rem;color:#000}
.skip-link:focus{top:1rem}
.site-header{height:82px;display:flex;align-items:center;padding:0 6.3vw;border-bottom:1px solid #eee;position:relative;z-index:10;background:#fff}
.brand{color:var(--ink);font-size:20px;font-weight:700;line-height:.85;letter-spacing:.2px;display:block;width:150px;height:52px}
.brand img{display:block;width:100%;height:100%;object-fit:contain;object-position:left center}
.brand span{font-weight:500}
.site-header nav{margin-left:auto;display:flex;gap:34px;align-items:center;height:100%}
.site-header nav a{color:#163f4a;font-size:13px;position:relative;height:100%;display:flex;align-items:center;text-decoration:none;transition:color .2s ease}
.site-header nav a::after{content:"";position:absolute;left:0;right:0;bottom:0;height:4px;background:var(--blue);transform:scaleX(0);transform-origin:center;transition:transform .2s ease}
.site-header nav a:hover,.site-header nav a:focus-visible,.site-header nav a[aria-current=page]{color:var(--blue)}
.site-header nav a:hover::after,.site-header nav a:focus-visible::after,.site-header nav a[aria-current=page]::after{transform:scaleX(1)}
.site-header nav .sign-in{color:var(--blue)}
.menu-toggle{display:none}
.hero{min-height:518px;display:flex;align-items:center;justify-content:center;gap:110px;padding:65px 12%;position:relative;overflow:hidden;background:linear-gradient(90deg,#eef2f2 0%,rgba(255,255,255,.94) 37%,rgba(255,255,255,.88) 74%,#f2f5f5 100%)}
.hero:before{content:"";position:absolute;inset:0;background:url('assets/mob.png') center 1%/680px auto no-repeat;opacity:.075;filter:grayscale(1)}
.hero-copy{position:relative;width:390px;z-index:1}
.hero h1{font-size:40px;line-height:1.1;margin:0 0 20px;color:var(--ink);font-weight:500}
.hero p{font-size:16px;margin:0}
.portrait{position:relative;z-index:1;width:500px;height:300px;background:url('assets/mob.png') 50% 2%/500px auto no-repeat}
.portrait:after,.portrait:before{content:"";position:absolute;z-index:-1;width:230px;height:180px;background-image:radial-gradient(#0d6b83 1.4px,transparent 1.4px);background-size:8px 8px}
.portrait:before{right:-55px;top:-50px}
.portrait:after{left:-58px;bottom:-58px}
.corner{position:absolute;width:105px;height:105px;border-color:var(--red);border-style:solid}
.corner.top{right:-10px;top:-12px;border-width:26px 26px 0 0}
.corner.bottom{left:-18px;bottom:-18px;border-width:0 0 26px 26px}
.page-shell{display:grid;grid-template-columns:minmax(280px,38%) minmax(500px,820px) 1fr;background:linear-gradient(90deg,#f3f4f4 0,#f3f4f4 38%,#fff 38%);min-height:1900px}
.side-nav{grid-column:1;padding:82px 42px 0;display:flex;align-items:flex-end;flex-direction:column;gap:14px}
.cdic{width:145px;margin:0 20px 15px;display:flex;justify-content:center}
.cdic img{display:block;width:132px;height:auto;max-width:100%;filter:drop-shadow(0 4px 8px rgba(0,57,71,.1))}
.side-nav>a{width:145px;text-align:center;border:1px solid var(--red);color:var(--red);padding:11px;font-size:13px;transition:background-color .2s ease,color .2s ease}
.side-nav>a:hover,.side-nav>a:focus-visible{background:var(--red);color:#fff;text-decoration:none}
.content{grid-column:2;padding:78px 70px 120px}
.content section{margin-bottom:42px}
.content h2{font-size:36px;line-height:1.1;color:var(--ink);font-weight:500;margin:0 0 24px}
.content h3{color:var(--ink);font-weight:500;font-size:21px;margin:25px 0 8px}
.content p{margin:0 0 20px}
.content ul{padding-left:22px}
.content li{padding:4px 0 4px 10px}
.callout{font-size:21px;color:var(--ink);font-weight:500;padding:2px 0 12px 18px}
.callout>a{display:inline-block;color:var(--ink);text-decoration:none}
.callout>a span{color:var(--blue);text-decoration:underline;text-underline-offset:3px}
.callout>a:hover span,.callout>a:focus-visible span{color:var(--red)}
.note{font-style:italic}
.resource-section{padding-top:8px}
.resource-link{margin:23px 0}
.resource-link h3{margin:0 0 7px}
.accordion{border-bottom:1px solid var(--line)}
.accordion>button{width:100%;display:flex;justify-content:space-between;align-items:center;background:none;border:0;padding:22px 0;color:var(--ink);font-size:20px;text-align:left;cursor:pointer}
.accordion>button span{color:var(--red);font-size:25px;transition:transform .2s}
.accordion>button[aria-expanded=true] span{transform:rotate(180deg)}
.panel{display:grid;grid-template-rows:0fr;transition:grid-template-rows .25s}
.panel>*{overflow:hidden;margin:0}
.accordion.open .panel{grid-template-rows:1fr}
.accordion.open .panel p{padding:0 0 18px}
.download-list{overflow:hidden}
.accordion.open .panel .download-list{padding:2px 0 18px}
.download-row{display:grid;grid-template-columns:1fr 180px;gap:28px;align-items:center;padding:25px 0;border-bottom:1px solid var(--line)}
.download-row h4{margin:0 0 7px;color:var(--ink);font-size:20px;font-weight:500}
.download-row p,.accordion.open .panel .download-row p{margin:0;padding:0;color:var(--muted);font-size:14px}
.download-row p span{padding:0 7px;color:#a6adaf}
.download-row>a{display:grid;place-items:center;min-height:54px;background:var(--red);color:#fff;font-weight:700;text-decoration:none;text-align:center;padding:12px 18px}
.download-row>a:hover,.download-row>a:focus-visible{background:#cc1e31}
.signup{background:linear-gradient(100deg,#002c3b,#005b78 55%,#007ca3);color:#fff;padding:72px 20px;min-height:300px;display:grid;place-items:center}
.signup h2{text-align:center;font-size:29px;font-weight:500;margin:0 0 26px}
.signup form{display:grid;grid-template-columns:210px 210px 120px;gap:16px}
.signup label>span:not(.consent span){position:absolute;clip:rect(0 0 0 0)}
.signup input:not([type=checkbox]){width:100%;height:44px;border:0;padding:0 16px}
.signup button{border:0;background:#0785ba;color:#fff;padding:0 18px}
.consent{grid-column:1/-1;font-size:11px;display:flex;gap:8px;align-items:center}
.form-status{grid-column:1/-1;text-align:center;margin:0}
.footer-grid{padding:64px max(8vw,30px);display:grid;grid-template-columns:1.1fr repeat(3,1fr) 1.5fr;gap:35px;background:#f4f5f5;color:var(--blue)}
.footer-brand{display:block;width:165px;height:max-content}
.footer-brand img{display:block;width:100%;height:auto}
.footer-grid h2,.footer-grid h3{color:var(--ink);margin:0 0 15px;font-style:normal}
.footer-grid h2{font-size:18px}
.footer-grid h3{font-size:13px}
.footer-grid a{display:block;font-size:12px;margin:8px 0}
.footer-grid address{font-style:normal;font-size:12px}
.legal{display:flex;justify-content:space-between;padding:28px max(8vw,30px);font-size:10px}
.legal div{display:flex;gap:22px}
.accessibility{position:fixed;z-index:20;right:22px;bottom:20px;width:48px;height:48px;border-radius:50%;border:0;background:var(--blue);color:#fff;font-size:24px;box-shadow:0 3px 12px #0003;cursor:pointer}
.access-panel{position:fixed;z-index:25;right:20px;bottom:78px;background:#fff;border:1px solid var(--line);box-shadow:0 8px 30px #0003;padding:18px;width:190px}
.access-panel strong,.access-panel button{display:block;width:100%;margin-bottom:9px}
.access-panel button{border:1px solid var(--ink);background:#fff;color:var(--ink);padding:7px}
.large-text{font-size:18px}
.high-contrast{--ink:#000;--blue:#0050c8;--muted:#111;--paper:#fff;--soft:#fff}
.high-contrast *{border-color:#000!important}

@media(max-width:900px){.site-header{height:78px;padding:0 24px;position:sticky;top:0}
.brand{font-size:24px;line-height:1;width:190px;height:48px}
.brand br{display:none}
.brand span:before{content:" "}
.menu-toggle{display:flex;margin-left:auto;border:0;background:none;width:31px;height:28px;flex-direction:column;justify-content:center;gap:5px;padding:0}
.menu-toggle span{display:block;height:2px;background:var(--blue);width:21px}
.menu-toggle b{position:absolute;clip:rect(0 0 0 0)}
.site-header nav{position:absolute;display:none;left:0;right:0;top:78px;height:auto;max-height:calc(100vh - 78px);overflow-y:auto;background:#fff;padding:18px 24px;box-shadow:0 8px 20px #0002;flex-direction:column;align-items:flex-start;gap:0}
.site-header nav.open{display:flex}
.site-header nav a{font-size:16px;width:100%;height:auto;padding:12px 0;border-bottom:1px solid var(--line)}
.site-header nav a::after{height:3px;right:auto;width:44px}
.hero{min-height:580px;padding:320px 24px 34px;display:block;background:linear-gradient(180deg,#fff 0,#f4f4f3 68%,#eef1f1 100%)}
.hero:before{opacity:.055;background-size:900px auto;background-position:center -300px}
.portrait{position:absolute;top:38px;left:18px;right:18px;margin:auto;width:calc(100% - 36px);max-width:405px;height:270px;background-size:900px auto;background-position:center -300px}
.portrait:before{right:-20px;top:4px;width:150px;height:150px}
.portrait:after{left:-12px;bottom:12px;width:130px;height:130px}
.corner{width:90px;height:90px}
.corner.top{right:11px;top:47px}
.corner.bottom{left:-1px;bottom:47px}
.hero-copy{width:auto;text-align:center}
.hero h1{font-size:30px;margin-bottom:16px}
.hero p{font-size:14px;max-width:360px;margin:auto}
.page-shell{display:block;background:#fff;min-height:0}
.side-nav{display:none}
.content{padding:48px 26px 72px;max-width:none}
.content section{margin-bottom:44px}
.content h2{font-size:30px;margin-bottom:24px}
.content h3{font-size:15px;margin-top:33px}
.content p{font-size:13px}
.content li{font-size:13px;padding-left:4px}
.callout{font-size:14px!important;padding-left:18px}
.resource-section h2{font-size:30px}
.resource-link{margin:35px 0}
.accordions .note{margin-bottom:6px}
.accordion>button{font-size:19px;padding:22px 0}
.download-row{grid-template-columns:1fr;gap:14px;padding:22px 0}
.download-row h4{font-size:17px}
.download-row>a{width:150px;min-height:48px}
.signup{padding:64px 46px;min-height:440px}
.signup h2{font-size:21px}
.signup form{display:block;max-width:250px;margin:auto}
.signup label{display:block;margin-bottom:12px}
.signup input:not([type=checkbox]){height:44px}
.signup button{height:44px;width:132px;display:block;margin:18px auto 25px}
.consent{display:flex!important;font-size:10px;text-align:left;line-height:1.2}
.footer-grid{padding:30px 24px 45px;display:block}
.footer-grid>div{display:none}
.footer-grid h2{font-size:18px}
.footer-grid address{font-size:11px;color:var(--blue)}
.legal{display:none}
.accessibility{width:42px;height:42px}
.content #broker-rates{margin-bottom:0}
}