:root{
  --navy:#061f37;
  --navy-2:#082643;
  --blue:#0f558a;
  --blue-2:#165f99;
  --gold:#f7b719;
  --ink:#081b2e;
  --muted:#5d6a78;
  --line:#d7dde3;
  --page:#f5f6f7;
  --white:#ffffff;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
html,body{margin:0;padding:0}
body{font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;min-width:320px}
a{text-decoration:none;color:inherit}
button,input,select,textarea{font:inherit}

.utility-bar{height:34px;background:#061a2e;color:#fff;display:flex;align-items:center}
.utility-inner{width:min(1600px,calc(100% - 40px));margin:0 auto;display:grid;grid-template-columns:1fr auto;align-items:center}
.utility-link{color:var(--gold);font-weight:900;font-size:11px;letter-spacing:.7px}
.state-strip{height:34px;background:var(--gold);color:#071728;display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;letter-spacing:5px}

.site-header{height:112px;width:min(1600px,calc(100% - 40px));margin:0 auto;display:grid;grid-template-columns:390px minmax(680px,1fr) 170px;gap:24px;align-items:center;background:#fff}
.brand{display:flex;align-items:center;gap:13px}
.logo-box{width:60px;height:49px;display:flex;align-items:center;justify-content:center;background:var(--navy);color:#fff;border-bottom:4px solid var(--gold);font-size:20px;font-weight:900;letter-spacing:-1px}
.logo-box span{color:var(--gold)}
.brand-name{font-size:16px;font-weight:900;letter-spacing:.4px}
.brand-sub{font-size:9px;color:#6d7a86;letter-spacing:.6px;margin-top:6px}
.primary-nav{display:flex;justify-content:center;align-items:center;gap:27px;white-space:nowrap;font-size:12px;font-weight:900}
.primary-nav a{padding:13px 0 10px;border-bottom:3px solid transparent}
.primary-nav a:hover,.primary-nav a:focus-visible{color:var(--blue);border-bottom-color:var(--gold)}
.primary-nav a.active{color:var(--blue);border-bottom-color:var(--gold)}
.apply-top{background:var(--gold);min-height:46px;padding:0 20px;display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:900;letter-spacing:1px;color:#071728}

.hero{min-height:447px;background:linear-gradient(90deg,#fff 0 54%,#eef1f3 54% 100%);border-top:1px solid #d5d9dd;position:relative;overflow:hidden;display:grid;grid-template-columns:1.05fr .95fr;gap:64px;padding:28px max(6vw,70px) 22px}
.hero-left{position:relative;z-index:2;align-self:center}
.eyebrow{color:var(--blue);font-size:11px;font-weight:900;letter-spacing:3px;display:flex;align-items:center;gap:12px}
.eyebrow span{display:block;width:34px;height:3px;background:var(--gold)}
.eyebrow.light{color:#9bc8e7}
h1{font-size:58px;line-height:1.02;letter-spacing:-3px;font-weight:300;margin:25px 0 20px;color:#08233d}
h1 strong{color:var(--blue);font-weight:400}
.hero-copy{font-size:14px;line-height:1.62;color:#5e6974;max-width:720px;margin:0 0 23px}
.hero-clarifier{max-width:720px;margin:-9px 0 20px;padding:10px 14px;border-left:4px solid var(--gold);background:#f7f8f9;color:#566473;font-size:12px;line-height:1.45}
.hero-clarifier strong{color:var(--navy)}
.hero-actions{display:flex;gap:12px;margin:18px 0 14px}
.btn{min-width:205px;height:53px;border:0;display:flex;align-items:center;justify-content:center;font-weight:900;font-size:11px;letter-spacing:1.2px;cursor:pointer}
.btn-gold{background:var(--gold);color:#061a2e}
.btn-outline{background:#fff;border:2px solid #10253c;color:#10253c}
.audience{font-size:13px;line-height:1.35;font-weight:900;max-width:760px;margin:0}
.watermark{position:absolute;left:17%;bottom:-38px;font-size:215px;line-height:.9;font-weight:900;color:#dfe3e6;opacity:.74;letter-spacing:-13px;z-index:0}

.process-card{position:relative;z-index:3;align-self:center;background:var(--navy-2);color:#fff;padding:28px 30px 24px;box-shadow:13px 11px 0 var(--gold);min-height:365px}
.process-label{color:#8fc1e6;font-size:10px;letter-spacing:2px;margin-bottom:16px}
.process-step{display:grid;grid-template-columns:43px 1fr;gap:15px;border-top:1px solid #31506c;padding:15px 0 14px}
.process-step.last{padding-bottom:0}
.process-step .num{color:var(--gold);font-size:12px;font-weight:900}
.process-step h2{font-size:14px;margin:0 0 7px;font-weight:900}
.process-step p{font-size:10px;color:#bdd0df;margin:0;line-height:1.45}

.benefit-band{background:var(--navy-2);color:#c8d4de;min-height:124px;padding:27px 0 24px}
.benefit-title{color:var(--gold);text-align:center;font-size:11px;font-weight:900;letter-spacing:.9px;margin-bottom:22px}
.benefit-row{display:grid;grid-template-columns:repeat(4,1fr);font-size:11px}
.benefit-row>div{padding:0 26px;border-right:1px solid #29455e;display:flex;align-items:center;gap:9px}
.benefit-row>div:last-child{border-right:0}
.badge{display:inline-flex;align-items:center;justify-content:center;min-width:31px;height:19px;background:var(--gold);color:#0a2239;font-size:9px;font-weight:900;border-radius:2px}
.benefit-row b{color:#fff}
.benefit-row span:last-child{color:#b8c7d3}

.stats{height:88px;background:#175f97;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid #2b6ea4}
.stat{display:flex;align-items:center;justify-content:center;gap:15px;color:#fff;border-right:1px solid #3978a9}
.stat:last-child{border-right:0}
.stat-num{color:var(--gold);font-size:27px;font-weight:700}
.stat-label{font-size:9px;font-weight:900;letter-spacing:.7px;line-height:1.3}

.explain-panel{padding:58px max(7vw,80px) 68px;background:#fff;border-top:1px solid var(--line)}
.explain-lead{max-width:920px;margin-bottom:30px}
.explain-lead h2{margin:15px 0 12px;font-size:36px;line-height:1.08;letter-spacing:-1.4px;color:var(--navy)}
.explain-lead p{margin:0;max-width:900px;font-size:14px;line-height:1.65;color:var(--muted)}

.explain-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid var(--line)}
.explain-grid article{min-height:205px;padding:24px;border-right:1px solid var(--line);background:#fff}
.explain-grid article:last-child{border-right:0}
.explain-number{color:var(--gold);background:var(--navy);width:32px;height:24px;display:flex;align-items:center;justify-content:center;font-size:9px;font-weight:900}
.explain-grid h3{font-size:17px;margin:18px 0 9px;color:var(--navy)}
.explain-grid p{margin:0;font-size:12px;line-height:1.55;color:#657381}

.not-contract{margin-top:20px;display:grid;grid-template-columns:260px 1fr;align-items:stretch;border:1px solid #e6cf77}
.not-contract-title{background:var(--gold);color:var(--navy);display:flex;align-items:center;padding:18px;font-size:10px;font-weight:900;letter-spacing:1px}
.not-contract-items{background:#fff9df;display:grid;grid-template-columns:repeat(3,1fr)}
.not-contract-items span{padding:13px 15px;font-size:11px;font-weight:700;color:#5f5428;border-right:1px solid #eadb9b;border-bottom:1px solid #eadb9b}

.relationship-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:28px}
.relationship-card{border:1px solid var(--line);padding:28px;background:#f6f8fa}
.relationship-card.dark{background:var(--navy-2);color:#fff;border-color:var(--navy-2)}
.relationship-card h3{margin:16px 0 15px;font-size:20px;line-height:1.2}
.relationship-card ul{margin:0;padding:0;list-style:none}
.relationship-card li{position:relative;padding:9px 0 9px 23px;border-top:1px solid #dce2e7;font-size:12px;line-height:1.4;color:#5e6d79}
.relationship-card.dark li{color:#d2dfe8;border-top-color:#31506c}
.relationship-card li::before{content:"✓";position:absolute;left:0;color:var(--blue);font-weight:900}
.relationship-card.dark li::before{color:var(--gold)}

.service-types{margin-top:26px;border:1px solid var(--line);background:#f7f8f9}
.service-types-head{padding:24px;border-bottom:1px solid var(--line)}
.service-types-head h3{font-size:20px;margin:14px 0 0}
.service-grid{display:grid;grid-template-columns:repeat(3,1fr)}
.service-grid>div{min-height:90px;padding:18px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);display:flex;flex-direction:column}
.service-grid>div:nth-child(3n){border-right:0}
.service-grid b{font-size:12px;color:var(--navy);margin-bottom:5px}
.service-grid span{font-size:11px;color:#6b7884;line-height:1.35}

.compensation-block{margin-top:26px;display:grid;grid-template-columns:1fr 290px;border:1px solid var(--line)}
.compensation-block>div:first-child{padding:26px}
.compensation-block h3{font-size:21px;margin:14px 0 10px}
.compensation-block p{font-size:12px;line-height:1.6;color:#63717e;margin:0}
.money-card{background:var(--gold);color:var(--navy);display:flex;flex-direction:column;justify-content:center;padding:24px}
.money-card span{font-size:9px;font-weight:900;letter-spacing:1.4px}
.money-card strong{font-size:20px;margin:5px 0}
.money-card p{color:var(--navy);font-weight:700}

.provider-checklist{margin-top:26px;border:1px solid var(--line);background:#fff}
.provider-checklist-head{display:flex;justify-content:space-between;gap:20px;align-items:end;padding:24px;border-bottom:1px solid var(--line)}
.provider-checklist-head h3{font-size:20px;margin:14px 0 0}
.status-badge{background:var(--gold);color:var(--navy);font-size:9px;font-weight:900;letter-spacing:1px;padding:9px 11px}
.check-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.check-grid>div{min-height:92px;padding:18px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);display:flex;flex-direction:column}
.check-grid>div:nth-child(4n){border-right:0}
.check-grid b{font-size:12px;color:var(--navy);margin-bottom:5px}
.check-grid span{font-size:11px;color:#6b7884;line-height:1.35}

.application-panel{background:#f4f6f8;padding:54px max(7vw,80px) 64px;border-top:1px solid var(--line)}
.application-intro{max-width:780px;margin-bottom:28px}
.application-intro h2{font-size:34px;letter-spacing:-1px;margin:13px 0 8px}
.application-intro p{margin:0;color:var(--muted);font-size:13px}
form{max-width:1200px;background:#fff;border-top:5px solid var(--gold);padding:30px;box-shadow:0 10px 28px rgba(6,31,55,.07)}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
label{font-size:11px;font-weight:800;color:#2d4051}
label.wide{grid-column:1/-1}
input,select,textarea{width:100%;margin-top:6px;border:1px solid #cfd8df;background:#fff;padding:10px 11px;color:var(--ink);outline:none;border-radius:0}
input:focus,select:focus,textarea:focus{border-color:var(--blue);box-shadow:0 0 0 2px rgba(15,85,138,.12)}
textarea{resize:vertical}
.checks{display:grid;gap:8px;margin:20px 0}
.checks label{display:flex;gap:9px;align-items:flex-start;border:1px solid var(--line);padding:10px 12px;font-weight:600;line-height:1.35}
.checks input{width:auto;margin:2px 0 0}
.submit-button{border:0;background:var(--navy);color:#fff;min-height:50px;padding:0 20px;font-size:11px;font-weight:900;letter-spacing:.8px;cursor:pointer}
.mock-notice{margin-top:14px;border:1px solid #ead37b;background:#fff7d7;color:#574711;padding:12px 14px;font-size:12px}

.modal{position:fixed;inset:0;background:rgba(3,15,27,.72);z-index:100;display:flex;align-items:center;justify-content:center;padding:24px}
.modal[hidden]{display:none}
.modal-card{width:min(700px,100%);background:#fff;border-top:6px solid var(--gold);padding:34px;position:relative;box-shadow:0 28px 80px rgba(0,0,0,.35)}
.modal-card h2{margin:13px 0 18px;font-size:30px}
.modal-card ul{margin:0;padding-left:20px;color:#536270;line-height:1.55;font-size:13px}
.modal-card li{margin:8px 0}
.modal-close{position:absolute;right:18px;top:14px;width:34px;height:34px;border:0;background:var(--navy);color:#fff;font-size:22px;cursor:pointer}

@media(max-width:1250px){
  .site-header{grid-template-columns:330px 1fr 145px}
  .primary-nav{gap:16px;font-size:11px}
  h1{font-size:50px}
}
@media(max-width:1050px){
  .explain-grid{grid-template-columns:1fr 1fr}
  .explain-grid article:nth-child(2){border-right:0}
  .explain-grid article:nth-child(1),.explain-grid article:nth-child(2){border-bottom:1px solid var(--line)}
  .not-contract{grid-template-columns:1fr}
  .not-contract-items{grid-template-columns:1fr 1fr}
  .service-grid{grid-template-columns:1fr 1fr}
  .service-grid>div{border-right:1px solid var(--line)}
  .service-grid>div:nth-child(2n){border-right:0}
  .check-grid{grid-template-columns:1fr 1fr}
  .check-grid>div{border-right:1px solid var(--line)}
  .check-grid>div:nth-child(2n){border-right:0}
}
@media(max-width:1000px){
  .utility-bar{display:none}
  .site-header{height:auto;min-height:124px;grid-template-columns:1fr auto;grid-template-areas:"brand apply" "nav nav";padding:15px 0}
  .brand{grid-area:brand}
  .primary-nav{grid-area:nav;justify-content:flex-start;overflow-x:auto;padding-bottom:3px}
  .apply-top{grid-area:apply}
  .hero{grid-template-columns:1fr;padding:32px 5vw 44px}
  .process-card{margin-top:8px}
  .benefit-row{grid-template-columns:1fr 1fr;row-gap:18px}
  .benefit-row>div:nth-child(2){border-right:0}
  .compensation-block{grid-template-columns:1fr}
}
@media(max-width:720px){
  .state-strip{font-size:9px;letter-spacing:2px}
  .site-header{width:calc(100% - 28px);grid-template-columns:1fr;grid-template-areas:"brand" "nav" "apply"}
  .apply-top{width:100%}
  .primary-nav{gap:22px}
  h1{font-size:42px;letter-spacing:-2px}
  .hero-actions{flex-direction:column}
  .btn{width:100%}
  .benefit-row{grid-template-columns:1fr}
  .benefit-row>div{border-right:0}
  .stats{height:auto;grid-template-columns:1fr 1fr}
  .stat{min-height:78px}
  .explain-panel,.application-panel{padding-left:22px;padding-right:22px}
  .explain-lead h2{font-size:30px}
  .explain-grid{grid-template-columns:1fr}
  .explain-grid article{border-right:0;border-bottom:1px solid var(--line)}
  .not-contract-items,.relationship-grid,.service-grid,.check-grid,.form-grid{grid-template-columns:1fr}
  .service-grid>div,.check-grid>div{border-right:0}
  label.wide{grid-column:auto}
}


.primary-nav .home-nav{
  color:var(--navy);
  border-bottom-color:transparent;
}
.primary-nav .home-nav::before{
  content:"⌂";
  color:var(--gold);
  margin-right:5px;
  font-size:11px;
}
.primary-nav .home-nav:hover,
.primary-nav .home-nav:focus-visible{
  color:var(--blue);
  border-bottom-color:var(--gold);
}


.netlify-honeypot{
  position:absolute !important;
  overflow:hidden !important;
  clip:rect(0 0 0 0) !important;
  height:1px !important;
  width:1px !important;
  margin:-1px !important;
  padding:0 !important;
  border:0 !important;
}
.form-success{
  background:#edf7f2 !important;
  border-color:#b7d9c7 !important;
  color:#214d38 !important;
}
.form-error{
  background:#fff0f0 !important;
  border-color:#e2b9b9 !important;
  color:#7a2424 !important;
}
button[disabled], .submit-button[disabled]{
  opacity:.65;
  cursor:wait;
}


.benefit-row{display:none !important}
.benefit-heading-row{position:relative;display:flex;align-items:center;justify-content:center;min-height:24px;margin-bottom:18px;padding:0 76px}
.benefit-heading-row .benefit-title{margin:0}
.benefit-marquee-toggle{position:absolute;right:24px;top:50%;transform:translateY(-50%);border:1px solid #45647e;background:transparent;color:#c7d6e0;font-size:8px;font-weight:900;letter-spacing:1px;min-height:26px;padding:0 9px;cursor:pointer}
.benefit-marquee-toggle:hover,.benefit-marquee-toggle:focus-visible{color:var(--navy);background:var(--gold);border-color:var(--gold)}
.benefit-marquee-shell{display:block!important;width:100%!important;overflow:hidden!important;position:relative!important}
.benefit-marquee-track{display:flex!important;flex-wrap:nowrap!important;width:max-content!important;min-width:max-content!important;will-change:transform;animation:program-benefit-scroll 28s linear infinite!important}
.benefit-marquee-group{display:flex!important;flex:0 0 auto!important;flex-wrap:nowrap!important;width:max-content!important;min-width:max-content!important}
.benefit-marquee-group>div{display:flex!important;flex:0 0 auto!important;align-items:center!important;min-width:430px!important;width:auto!important;white-space:nowrap!important;padding:0 26px;border-right:1px solid #29455e;gap:9px;font-size:11px}
.benefit-marquee-group b{color:#fff}
.benefit-marquee-group>div>span:last-child{color:#b8c7d3}
.benefit-marquee-shell:hover .benefit-marquee-track,.benefit-marquee-shell:focus-within .benefit-marquee-track,.benefit-marquee-shell.is-paused .benefit-marquee-track{animation-play-state:paused!important}
@keyframes program-benefit-scroll{from{transform:translate3d(0,0,0)}to{transform:translate3d(-50%,0,0)}}
@media(prefers-reduced-motion:reduce){.benefit-marquee-track{animation:none!important;transform:none!important}.benefit-marquee-group[aria-hidden="true"]{display:none!important}.benefit-marquee-shell{overflow-x:auto!important}.benefit-marquee-toggle{display:none}}
@media(max-width:1000px){.benefit-marquee-group>div{min-width:380px!important}}
@media(max-width:720px){.benefit-heading-row{padding:0 54px 0 14px}.benefit-marquee-toggle{right:10px}.benefit-marquee-group>div{min-width:330px!important;padding:0 18px}}

.page-hidden .marquee-track,.page-hidden .benefit-marquee-track{animation-play-state:paused!important}

.marquee-toggle,.benefit-marquee-toggle{display:none!important}

.formsubmit-honey{
  position:absolute !important;
  left:-10000px !important;
  top:auto !important;
  width:1px !important;
  height:1px !important;
  overflow:hidden !important;
  opacity:0 !important;
  pointer-events:none !important;
}