@import "https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=DM+Serif+Display&display=swap";:root{--navy:#0d1f3c;--navy-mid:#1a3458;--navy-light:#2a4a7f;--cream:#fff;--cream-dark:#f3f4f6;--white:#fff;--ink:#0d1f3c;--ink-mid:#2d3f5e;--ink-soft:#4a5a7a;--ink-muted:#6b7a99;--border:#d8d2c6;--border-light:#e8e4dc;--success-bg:#edfaf3;--success-border:#7dd9ab;--success-text:#1a6641;--warning-bg:#fefbf0;--warning-border:#f5d77a;--warning-text:#7a5200;--error-bg:#fff0f0;--error-border:#f5a0a0;--error-text:#8b1a1a;--bg:var(--cream);--card:var(--white);--text:var(--ink);--muted:var(--ink-muted);--border-legacy:var(--border);--primary:var(--navy);--primary-soft:#dde8f5;--primary-blue:#2a6cc4}*,:before,:after{box-sizing:border-box}body{background:var(--cream);color:var(--ink);-webkit-font-smoothing:antialiased;margin:0;font-family:DM 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#0000001a}.google-btn{background:var(--white);width:100%;color:var(--ink-mid);border:1.5px solid var(--border);cursor:pointer;border-radius:10px;justify-content:center;align-items:center;gap:10px;margin-top:4px;padding:12px;font-size:14px;font-weight:600;transition:border-color .15s,box-shadow .15s;display:flex}.google-btn:hover{border-color:var(--ink-soft);background:var(--white);transform:none;box-shadow:0 2px 8px #00000014}.google-btn:disabled{opacity:.6;cursor:not-allowed}.auth-divider{color:var(--ink-muted);align-items:center;gap:12px;margin:16px 0 4px;font-size:13px;font-weight:500;display:flex}.auth-divider:before,.auth-divider:after{content:"";background:var(--border);flex:1;height:1px}.auth-loading{color:var(--ink-muted);flex-direction:column;align-items:center;gap:16px;display:flex}.auth-spinner{border:2.5px solid var(--cream-dark);border-top-color:var(--navy);border-radius:50%;width:32px;height:32px;animation:.75s linear infinite spin}@keyframes 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button:not(.modal-close):not(.auth-toggle-btn):not(.google-btn):hover{background:var(--navy-mid)}.name-row{grid-template-columns:1fr 1fr;gap:14px;display:grid}.field-group{flex-direction:column;display:flex}.field-group label{color:var(--ink);margin-top:0;margin-bottom:6px;font-size:14px;font-weight:600}.field-group+.field-group{margin-top:14px}.input-error{border-color:var(--error-border)!important;box-shadow:0 0 0 3px #dc26261a!important}.field-error{color:#dc2626;margin-top:5px;font-size:12px;font-weight:600}.fa-shell{background:var(--cream);flex-direction:column;min-height:100vh;display:flex}.fa-center{background:var(--cream);place-items:center;min-height:100vh;display:grid}.fa-spinner-wrap{flex-direction:column;align-items:center;gap:14px;display:flex}.fa-spinner-label{color:var(--ink-muted);font-size:14px}.fa-overlay{-webkit-backdrop-filter:blur(4px);backdrop-filter:blur(4px);z-index:100;background:#0d1f3c66;place-items:center;display:grid;position:fixed;inset:0}.fa-overlay-card{background:var(--white);color:var(--ink-mid);border-radius:16px;flex-direction:column;align-items:center;gap:16px;padding:32px 44px;font-size:14px;font-weight:500;display:flex;box-shadow:0 20px 60px #0d1f3c33}.fa-nav{background:var(--navy);z-index:50;border-bottom:1px solid #ffffff0f;justify-content:space-between;align-items:center;height:62px;padding:0 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.15s}.fa-nav-cta:hover{opacity:.88}.fa-avatar{width:34px;height:34px;color:var(--white);background:#ffffff26;border:1.5px solid #ffffff40;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;font-size:12px;font-weight:700;display:flex}.fa-avatar-img{object-fit:cover;border:2px solid #ffffff40;border-radius:50%;flex-shrink:0;width:34px;height:34px}.fa-steps-bar{background:var(--navy-mid);border-bottom:1px solid #ffffff14;align-items:center;gap:4px;height:50px;padding:0 36px;display:flex}.fa-step-item{color:#ffffff80;align-items:center;gap:9px;padding:0 8px;font-size:13px;font-weight:500;display:flex}.fa-step-item.active{color:var(--white);font-weight:600}.fa-step-num{color:#ffffff80;border:1.5px solid #ffffff4d;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;width:24px;height:24px;font-size:11px;font-weight:700;display:flex}.fa-step-item.active .fa-step-num{background:var(--white);color:var(--navy);border-color:var(--white)}.fa-step-divider{background:#fff3;width:32px;height:1px;margin:0 4px}.fa-split-container{flex-direction:row;align-items:stretch;height:calc(100vh - 112px);display:flex;overflow:hidden}.fa-left{background:var(--cream);border-right:none;flex:1 1 0;min-width:0;padding:52px 48px 60px;overflow-y:auto}.fa-drag-handle{background:var(--border-light);cursor:col-resize;z-index:10;-webkit-user-select:none;user-select:none;flex:0 0 12px;justify-content:center;align-items:center;width:12px;transition:background .15s;display:flex;position:relative}.fa-drag-handle:hover,.fa-drag-handle:active{background:var(--border)}.fa-drag-grip{flex-direction:column;align-items:center;gap:3px;display:flex}.fa-drag-grip span{background:var(--ink-muted);opacity:.5;border-radius:50%;width:3px;height:3px;display:block}.fa-drag-handle:hover .fa-drag-grip span{opacity:1;background:var(--navy)}.fa-right{background:var(--white);flex-direction:column;flex:none;padding:40px 36px;display:flex;overflow-y:auto;box-shadow:-4px 0 24px #0d1f3c0f}.fa-eyebrow{letter-spacing:.1em;text-transform:uppercase;color:var(--ink-muted);margin-bottom:14px;font-size:11px;font-weight:600}.fa-h1{letter-spacing:-.5px;max-width:480px;color:var(--navy);margin:0 0 18px;font-family:DM Serif Display,Georgia,serif;font-size:2.4rem;font-weight:400;line-height:1.2}.fa-hero-sub{color:var(--ink-soft);max-width:440px;margin-bottom:38px;font-size:16px;line-height:1.7}.fa-hero-sub strong{color:var(--navy);font-weight:700}.fa-feature-list{flex-direction:column;gap:20px;margin-bottom:44px;display:flex}.fa-feature{align-items:flex-start;gap:14px;display:flex}.fa-feature-icon{background:var(--navy);border:none;border-radius:10px;flex-shrink:0;justify-content:center;align-items:center;width:42px;height:42px;display:flex}.fa-feature-icon svg{stroke:#fff;fill:none;stroke-width:2px;stroke-linecap:round;stroke-linejoin:round;width:20px;height:20px}.fa-feature-title{color:var(--navy);margin-bottom:3px;font-size:15px;font-weight:700}.fa-feature-desc{color:var(--ink-soft);font-size:13px;line-height:1.55}.fa-panel-title{color:var(--navy);letter-spacing:-.3px;margin-bottom:6px;font-family:DM Serif Display,Georgia,serif;font-size:22px;font-weight:400}.fa-panel-sub{color:var(--ink-soft);margin-bottom:22px;font-size:14px;line-height:1.55}.fa-panel-note{color:var(--ink-muted);margin-bottom:14px;font-size:13px}.fa-trust-row{flex-wrap:wrap;gap:7px;margin-bottom:24px;display:flex}.fa-trust-badge{color:var(--ink-mid);background:var(--cream);border:1.5px solid var(--border);border-radius:20px;align-items:center;gap:6px;padding:5px 12px;font-size:12px;font-weight:500;display:flex}.fa-signup-nudge{background:#eef4ff;border:1.5px solid #c0d4f5;border-radius:10px;align-items:flex-start;gap:12px;margin-bottom:20px;padding:14px 16px;font-size:14px;display:flex}.fa-signup-nudge strong{color:var(--navy);margin-bottom:3px;font-weight:700;display:block}.fa-signup-nudge p{color:var(--ink-soft);margin:0;line-height:1.5}.fa-nudge-link{color:var(--navy-light);cursor:pointer;background:0 0;border:none;padding:0;font-family:inherit;font-size:14px;font-weight:700;text-decoration:underline}.fa-field-label{color:var(--ink);margin-bottom:7px;font-size:14px;font-weight:600;display:block}.fa-textarea{resize:vertical;border:1.5px solid var(--border);background:var(--cream);width:100%;color:var(--ink);border-radius:10px;margin-bottom:12px;padding:13px 14px;font-family:inherit;font-size:14px;line-height:1.55;transition:border-color .15s,background .15s}.fa-textarea:focus{border-color:var(--navy-mid);background:var(--white);outline:none;box-shadow:0 0 0 3px #1a345814}.fa-textarea::placeholder{color:var(--ink-muted)}.fa-chips{flex-wrap:wrap;gap:7px;margin-bottom:18px;display:flex}.fa-chip{border:1.5px solid var(--border);background:var(--white);color:var(--ink-mid);cursor:pointer;border-radius:20px;padding:5px 13px;font-family:inherit;font-size:12px;font-weight:500;transition:border-color .12s,background .12s,color .12s}.fa-chip:hover{border-color:var(--navy);background:var(--navy);color:var(--white)}.fa-consent-row{background:var(--cream);border:1.5px solid var(--border);border-radius:10px;align-items:flex-start;gap:10px;margin-bottom:22px;padding:14px;display:flex}.fa-consent-row input[type=checkbox]{width:auto;accent-color:var(--navy);box-shadow:none;border:none;flex-shrink:0;margin-top:2px;padding:0}.fa-consent-label{color:var(--ink-soft);font-size:13px;line-height:1.55}.fa-cta-btn{background:var(--navy);width:100%;color:var(--white);cursor:pointer;text-align:center;border:none;border-radius:10px;margin-bottom:12px;padding:14px;font-family:inherit;font-size:15px;font-weight:600;text-decoration:none;transition:background 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0;border:none;padding:0;font-family:inherit;font-size:13px;font-weight:600;text-decoration:underline}.fa-privacy-note{color:var(--ink-muted);text-align:center;font-size:12px;line-height:1.6}.fa-error{background:var(--error-bg);border:1.5px solid var(--error-border);color:var(--error-text);border-radius:8px;margin-bottom:14px;padding:11px 14px;font-size:13px;font-weight:500;line-height:1.5}.fa-warning{background:var(--warning-bg);border:1.5px solid var(--warning-border);color:var(--warning-text);border-radius:8px;margin-bottom:14px;padding:11px 14px;font-size:13px;font-weight:500;line-height:1.55}.fa-rec-list{flex-direction:column;gap:12px;display:flex}.fa-rec-card{background:var(--white);border:1.5px solid var(--border);border-radius:12px;padding:20px 22px;transition:border-color .15s,box-shadow .15s}.fa-rec-card:hover{border-color:var(--navy-light);box-shadow:0 4px 20px #0d1f3c1a}.fa-rec-top{justify-content:space-between;align-items:flex-start;gap:10px;margin-bottom:8px;display:flex}.fa-rec-name{color:var(--navy);flex:1;font-size:15px;font-weight:700}.fa-conf-badge{white-space:nowrap;border:1.5px solid;border-radius:20px;flex-shrink:0;padding:3px 10px;font-size:11px;font-weight:700}.fa-conf-high{color:#1a6641;background:#edfaf3;border-color:#7dd9ab}.fa-conf-medium{color:#7a5200;background:#fefbf0;border-color:#f5d77a}.fa-conf-low{background:var(--cream);color:var(--ink-muted);border-color:var(--border)}.fa-rec-reason{color:var(--ink-soft);margin-bottom:14px;font-size:13px;line-height:1.6}.fa-rec-select{color:var(--white);background:var(--navy);cursor:pointer;border:none;border-radius:20px;padding:7px 16px;font-family:inherit;font-size:13px;font-weight:600;transition:background .12s}.fa-rec-select:hover{background:var(--navy-mid)}.fa-rec-select:disabled{opacity:.4;cursor:not-allowed}.fa-summary-box{background:var(--cream);border:1.5px solid var(--border);border-radius:10px;margin-bottom:18px;padding:16px}.fa-summary-label{letter-spacing:.08em;text-transform:uppercase;color:var(--ink-muted);margin-bottom:7px;font-size:10px;font-weight:700}.fa-summary-text{color:var(--ink-mid);font-size:14px;line-height:1.65}.fa-fill-bar-row{margin-bottom:16px}.fa-fill-track{background:var(--border);border-radius:3px;height:5px;margin-bottom:8px;overflow:hidden}.fa-fill-fill{background:var(--navy);border-radius:3px;height:100%;transition:width .4s}.fa-fill-label{color:var(--ink-soft);font-size:13px;font-weight:500}.fa-preview-grid{grid-template-columns:1fr 1fr;gap:12px;margin-top:18px;display:grid}.fa-pf{flex-direction:column;gap:5px;display:flex}.fa-pf-full{grid-column:1/-1}.fa-pf-label{color:var(--ink-muted);letter-spacing:.05em;text-transform:uppercase;font-size:11px;font-weight:700}.fa-required{color:#b91c1c}.fa-pf-input{border:1.5px solid var(--border);background:var(--white);color:var(--ink);border-radius:8px;width:100%;padding:9px 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var(--border-light);margin-top:20px;padding-top:18px}.fa-reminder-label{text-transform:uppercase;letter-spacing:.08em;color:var(--ink-muted);margin-bottom:7px;font-size:10px;font-weight:700}.fa-reminder-text{color:var(--ink-soft);font-size:13px;line-height:1.65}.fa-step-item.has-banner{cursor:default;position:relative}.fa-step-banner{transform-origin:top;opacity:0;pointer-events:none;z-index:200;background:#161f2e;border:1px solid #ffffff14;border-radius:14px;width:480px;padding:28px 28px 24px;transition:transform .35s cubic-bezier(.34,1.3,.64,1),opacity .25s;position:absolute;top:calc(100% + 10px);left:50%;transform:translate(-50%)scaleY(.05)translateY(-40px);box-shadow:0 20px 60px #00000073}.fa-step-item.has-banner:hover .fa-step-banner,.fa-step-item.has-banner:focus-within .fa-step-banner{opacity:1;pointer-events:auto;transform:translate(-50%)scaleY(1)translateY(0)}.fa-step-banner:before{content:"";background:#161f2e;border-top:1px solid #ffffff14;border-left:1px solid #ffffff14;width:14px;height:14px;position:absolute;top:-7px;left:50%;transform:translate(-50%)rotate(45deg)}.fa-banner-grid{grid-template-columns:1fr 1fr;gap:20px 24px;display:grid}.fa-banner-item{flex-direction:column;gap:6px;display:flex}.fa-banner-icon{background:#e8501a;border-radius:8px;justify-content:center;align-items:center;width:36px;height:36px;margin-bottom:4px;display:flex}.fa-banner-icon svg{stroke:#fff;fill:none;stroke-width:2px;stroke-linecap:round;stroke-linejoin:round;width:18px;height:18px}.fa-banner-title{color:#fff;font-size:14px;font-weight:700}.fa-banner-desc{color:#ffffff9e;font-size:12px;line-height:1.55}.fa-faq-section{background:var(--navy);padding:80px 0 96px}.fa-faq-inner{max-width:820px;margin:0 auto;padding:0 48px}.fa-faq-header{margin-bottom:48px}.fa-faq-title{color:var(--white);letter-spacing:-.3px;margin:8px 0 12px;font-family:DM Serif 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60px}.cp-hero-inner{max-width:900px;margin:0 auto;padding:0 48px}.cp-back{color:#ffffffd9;cursor:pointer;background:#ffffff1f;border:1px solid #fff3;border-radius:20px;align-items:center;gap:6px;margin-bottom:28px;padding:6px 14px;font-family:inherit;font-size:13px;font-weight:500;transition:background .15s;display:inline-flex}.cp-back:hover{background:#fff3}.cp-hero-icon{margin-bottom:14px;font-size:42px}.cp-hero-title{color:#fff;letter-spacing:-.4px;margin:0 0 12px;font-family:DM Serif Display,Georgia,serif;font-size:2.4rem;font-weight:400}.cp-hero-desc{color:#ffffffc7;max-width:560px;margin:0 0 20px;font-size:16px;line-height:1.65}.cp-hero-badge{color:#ffffffe6;background:#ffffff26;border:1px solid #ffffff40;border-radius:20px;padding:5px 14px;font-size:13px;font-weight:600;display:inline-flex}.cp-body{padding:56px 0 80px}.cp-body-inner{max-width:900px;margin:0 auto;padding:0 48px}.cp-list-title{color:var(--navy);margin:0 0 28px;font-family:DM Serif 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var(--border);border-radius:10px;flex-direction:column;gap:0;margin-bottom:8px;display:flex;overflow:hidden}.fd-spec-row{border-bottom:1px solid var(--border-light);padding:12px 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7px;font-size:11px;font-weight:700}.fd-also-view-all{background:var(--cream);border:1px solid var(--border);width:100%;color:var(--navy);cursor:pointer;text-align:center;border-radius:8px;margin-top:12px;padding:9px;font-family:inherit;font-size:13px;font-weight:600;transition:background .1s;display:block}.fd-also-view-all:hover{background:var(--cream-dark)}@media (width<=900px){.fa-split-container{flex-direction:column;height:auto;overflow:visible}.fa-left{padding:36px 28px 40px}.fa-right{box-shadow:none;width:100%!important;min-width:unset!important;max-width:unset!important}.fa-drag-handle{display:none}.fa-h1{font-size:1.8rem}.fa-steps-bar,.fa-nav{padding:0 24px}.fa-preview-grid{grid-template-columns:1fr}.fa-pf-full{grid-column:1}.fa-faq-inner{padding:0 28px}.fa-faq-title{font-size:1.7rem}.modal-card{padding:32px 24px}.name-row{grid-template-columns:1fr}.fa-nav-name{display:none}.bbc-grid{grid-template-columns:repeat(2,1fr)}.bbc-inner,.pf-inner{padding:0 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(width<=900px){.fd-pdf-embed-wrap{height:360px}}.ff-shell{background:var(--cream);min-height:100vh}.ff-progress-bar{background:var(--white);border-bottom:1px solid var(--border);justify-content:center;align-items:center;gap:0;padding:18px 48px;display:flex;position:relative}.ff-progress-step{color:var(--ink-muted);z-index:1;align-items:center;gap:9px;padding:0 24px;font-size:13px;font-weight:500;display:flex}.ff-progress-step.active{color:var(--navy);font-weight:700}.ff-progress-step.done{color:#1a6641}.ff-progress-dot{border:2px solid var(--border);background:var(--white);width:26px;height:26px;color:var(--ink-muted);border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;font-size:11px;font-weight:700;display:flex}.ff-progress-step.active .ff-progress-dot{background:var(--navy);color:#fff;border-color:var(--navy)}.ff-progress-step.done 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60%);border-radius:16px;position:absolute;inset:0}.bbc-card-back-emoji{margin-bottom:2px;font-size:32px}.bbc-card-back-headline{color:#fff;font-size:15px;font-weight:700}.bbc-card-back-sub{color:#fff9;font-size:11px;line-height:1.4}.bbc-card-back-cta{color:#ffffffd9;text-underline-offset:2px;margin-top:8px;font-size:12px;font-weight:700;text-decoration:underline}.fa-ethos-section{background:#0d1829;border-top:1px solid #ffffff0f}.fa-ethos-section .bbc-title{color:#fff}.fa-ethos-section .bbc-subtitle{color:#ffffff80}.fa-ethos-section .fa-ethos-card{background:#131f35;border:1px solid #ffffff12}.fa-ethos-section .fa-ethos-title{color:#fff}.fa-ethos-section .fa-ethos-desc{color:#ffffff8c}.fa-ethos-section .fa-ethos-link{color:#7bb3ff}.fa-stat-num{background:linear-gradient(90deg,#fff 0%,#ffffffb3 40%,#fff 80%) 0 0/200%;-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;animation:3s linear infinite shimmer}@keyframes 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28px;font-size:17px;line-height:1.65}.fa-hero-search-wrap{max-width:540px;margin-bottom:24px;position:relative}.fa-hero-search{color:#0d1f3c;background:#fffffff2;border:none;border-radius:12px;width:100%;padding:14px 120px 14px 18px;font-family:inherit;font-size:15px;box-shadow:0 4px 24px #00000040}.fa-hero-search::placeholder{color:#9ca3af}.fa-hero-search:focus{background:#fff;outline:none}.fa-hero-search-btn{color:#fff;cursor:pointer;background:#0d1f3c;border:none;border-radius:8px;padding:8px 18px;font-family:inherit;font-size:13px;font-weight:700;transition:background .13s;position:absolute;top:50%;right:6px;transform:translateY(-50%)}.fa-hero-search-btn:hover{background:#162d50}.fa-hero-search-results{z-index:100;background:#fff;border-radius:12px;position:absolute;top:calc(100% + 6px);left:0;right:0;overflow:hidden;box-shadow:0 8px 32px #0000002e}.fa-hero-search-result{cursor:pointer;text-align:left;background:0 0;border:none;border-bottom:1px solid 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var(--border-light);cursor:pointer;text-align:left;background:0 0;align-items:center;gap:10px;width:100%;padding:10px 0;font-family:inherit;transition:background .1s;display:flex}.fd-also-link:last-of-type{border-bottom:none}.fd-also-link:hover .fd-also-name{color:var(--navy)}.fd-also-short{background:var(--cream);color:var(--navy);text-align:center;border-radius:5px;flex-shrink:0;min-width:44px;padding:2px 7px;font-size:11px;font-weight:700}.fd-also-name{color:var(--ink-soft);flex:1;font-size:13px}.fd-also-view-all{width:100%;color:var(--navy-light);cursor:pointer;text-align:left;text-underline-offset:2px;background:0 0;border:none;padding:10px 0 0;font-family:inherit;font-size:13px;font-weight:600;text-decoration:underline}@media (width<=900px){.fd-body{grid-template-columns:1fr;padding:24px 20px 60px}.fd-right{position:static}.fd-hero{padding:36px 24px 32px}.fd-hero-h1{font-size:1.8rem}}.fa-tile-img{position:relative;overflow:hidden}.fa-tile-img img{transition:transform 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.13s}.fd-signin-cta:hover{background:#162d50}.fd-signin-secondary{color:#6b7280;cursor:pointer;background:0 0;border:none;width:100%;padding:6px;font-family:inherit;font-size:13px;font-weight:500;transition:color .12s}.fd-signin-secondary:hover{color:#0d1f3c}.fd-pdf-locked{background:#f9fafb;justify-content:center;align-items:center;min-height:200px;padding:32px 20px;display:flex}.fd-pdf-locked-inner{text-align:center;flex-direction:column;align-items:center;gap:10px;max-width:240px;display:flex}.fd-pdf-locked-icon{background:#e8edf7;border-radius:16px;justify-content:center;align-items:center;width:56px;height:56px;margin-bottom:4px;display:flex}.fd-pdf-locked-title{color:#0d1f3c;font-size:15px;font-weight:700}.fd-pdf-locked-sub{color:#9ca3af;font-size:12px;line-height:1.55}.fd-pdf-locked-btn{color:#fff;cursor:pointer;background:#0d1f3c;border:none;border-radius:8px;margin-top:4px;padding:9px 20px;font-family:inherit;font-size:13px;font-weight:700;transition:background .12s}.fd-pdf-locked-btn:hover{background:#162d50}.fd-fill-btn[data-locked]:after,.fd-hero-fill-btn[data-locked]:after{content:" 🔒"}.ff-field-note{color:#92400e;background:#fffbeb;border-left:3px solid #fcd34d;align-items:flex-start;gap:7px;padding:10px 18px;font-size:12px;line-height:1.5;display:flex}.ff-field-note svg{stroke:#d97706;flex-shrink:0;margin-top:1px}