@font-face{font-family:Valuation Sans;src:url('/fonts/open-sans-regular.woff') format('woff');font-weight:400 500;font-style:normal;font-display:swap}
@font-face{font-family:Valuation Sans;src:url('/fonts/open-sans-semibold.woff') format('woff');font-weight:600;font-style:normal;font-display:swap}
@font-face{font-family:Valuation Sans;src:url('/fonts/open-sans-bold.woff') format('woff');font-weight:700 900;font-style:normal;font-display:swap}
:root{--navy:#142943;--ink:#1a334e;--muted:#5c6c7d;--blue:#2556a5;--pale:#f0f4f9;--mint:#d5e4f5;--line:#dce3ec}
body{font-family:Valuation Sans,Arial,sans-serif;background:#fafbfd;color:var(--ink);line-height:1.85}html{scroll-padding-top:115px}h1,h2,h3{font-weight:600;letter-spacing:-.04em;line-height:1.2}h1{font-size:clamp(39px,4.3vw,61px);line-height:1.14;letter-spacing:-.05em}h2{font-size:clamp(30px,3.2vw,41px);line-height:1.25}h3{font-size:23px;line-height:1.35}
.wrap{width:min(1200px,calc(100% - 80px))}.top{background:#142943;font-size:9px;padding:9px 0;letter-spacing:.11em;color:#c1cfe1}
body>header.wrap{position:sticky;top:10px;z-index:20;min-height:77px;margin-top:12px;padding:15px 22px;background:#fffffff2;backdrop-filter:blur(14px);border:1px solid #e0e6ee;border-radius:16px;box-shadow:0 4px 22px #14294305;gap:22px}.mark{border-radius:11px;background:#142943;letter-spacing:-.12em;font-size:29px;width:41px;height:42px}.mark span{color:#b8d0ef}.brand{font-size:10px;letter-spacing:.07em;gap:11px}header nav{gap:20px;font-size:11px}.button{font-family:inherit;font-size:13px;font-weight:600;border-radius:9px;background:#2556a5;min-height:48px;align-items:center;padding:14px 20px;line-height:1.5}.button:hover{background:#1d447f}.small{font-size:11px;min-height:41px;padding:10px 15px}
.hero{padding:48px 0 54px;gap:7%;grid-template-columns:1.2fr .8fr}.hero-copy{padding-top:18px}.lead{font-size:18px;line-height:1.85;color:#5b6e82}.eyebrow{font-size:10px;letter-spacing:.12em;font-weight:600}.note-mark{border-radius:10px;background:#e0eaf7;color:#376193;width:39px;height:39px}.hero-note{margin:26px 0}.hero-note p{font-size:12px;line-height:1.85}.proof{font-size:10px;line-height:1.7;gap:9px 18px;padding-top:20px}
.form-panel{background:#fff;border:1px solid #dce4ee;border-top:3px solid #708eb9;border-radius:19px;padding:28px;box-shadow:0 18px 44px -32px #1d385740;scroll-margin-top:0}.form-top{font-size:9px;color:#6e829d;letter-spacing:.09em}.form-panel h2{font-size:29px;line-height:1.25;letter-spacing:-.035em;margin:17px 0 12px}.form-panel>p{font-size:12px;line-height:1.85;margin-bottom:19px}input,select{font-family:inherit;font-size:14px;padding:11px 12px;border-radius:8px;border-color:#cfdae8;min-height:47px;background:#fbfcfe;color:#223b56}label{font-size:12px;font-weight:600;margin:14px 0 7px}.phone{font-size:11px}.form-panel form .small{font-size:11px;line-height:1.8;padding-top:13px}.form-panel form button{font-family:inherit;min-height:48px}.checkmark{color:#315b91}.error{font-size:12px}
.section{padding:56px 0}.section-heading{gap:45px;margin-bottom:30px}.section-heading>p{font-size:15px;line-height:1.85}.cards{gap:19px}.card{background:#fff;border:1px solid #dce4ef;border-radius:17px;padding:26px;transition:transform .2s,border-color .2s,box-shadow .2s}.card:hover{background:#fff;border-color:#a9c0df;box-shadow:0 15px 30px -25px #1d385750}.card>span{font-size:9px;color:#667f9b;letter-spacing:.1em}.card h3{font-size:23px;line-height:1.3;letter-spacing:-.03em;margin:20px 0 15px}.card p{font-size:14px;line-height:1.9}.card b{font-size:12px;margin-top:23px;font-weight:600}.ribbon{background:#edf3fa;color:#4f6784;border-top:1px solid #dae4f0;border-bottom:1px solid #dae4f0}.ribbon .wrap{font-size:9px;padding:18px 0;line-height:1.7;letter-spacing:.08em}.contrast{background:#162d49}.contrast p{color:#c3d0e1}.contrast h2{color:#fff}.value-card{background:#203c5c;border-radius:18px;border:1px solid #46617f;padding:29px}.value-card>span{color:#c5d7f0;font-size:9px}.value-card p{font-size:12px;line-height:1.9}dl .total{color:#c5d7f0}.split{gap:8%}
.breadcrumb{font-size:10px;padding-top:29px;line-height:1.7}.article-layout{grid-template-columns:215px minmax(0,1fr);gap:60px;padding:43px 0 55px}.contents{top:113px;background:#f0f4fa;border:1px solid #dce5ef;border-radius:13px;padding:20px}.contents a{font-size:11px;line-height:1.8;color:#5d7591;padding:10px 0;border-color:#dce5ef}.contents .eyebrow{font-size:9px;color:#6681a2}.article-layout article{min-width:0;max-width:74ch;width:100%}article section{padding:25px 0 31px;border-color:#e0e7f0}article h2{font-size:31px;line-height:1.3;letter-spacing:-.03em}article p,article li{font-size:16px;line-height:1.9}article p+p{margin-top:17px}.checklist{border-radius:14px;padding:25px!important;background:#edf3fa}.checklist h2{font-size:28px}.source,.byline{font-size:12px;line-height:1.85}.search-table{border-radius:12px;border-color:#dce5ef;background:#fff;max-width:100%;overflow-x:auto}.search-table table{font-variant-numeric:tabular-nums}.search-table th,.search-table td{font-size:13px;line-height:1.85;padding:15px;min-width:140px;vertical-align:top;border-color:#e2e9f2}.search-table th{background:#edf3fa;color:#3c5c82}.brief-template{background:#edf3fa;border-radius:0 12px 12px 0;border-left-color:#7d9dc8;padding:24px}.faq{gap:8%;padding:48px 0}.faq h2{font-size:36px}.faq summary{font-size:15px;line-height:1.7;font-weight:600}.faq details{padding:18px 0}.faq details p{font-size:15px;line-height:1.9}.closing{padding:44px 0 58px}.closing h2{font-size:38px}
.gbv-reading{max-width:900px}.gbv-feature{background:#edf3fa;border:1px solid #d9e4f2;border-radius:16px;padding:25px;margin:28px 0}.gbv-feature h2{font-size:28px;margin:10px 0 15px}.gbv-feature p{font-size:15px;line-height:1.85}.gbv-feature a{font-size:13px}.gbv-new-links{display:flex;flex-wrap:wrap;gap:12px 24px;font-size:13px;line-height:1.85;margin-top:22px}
.calculator{border:1px solid #dce5ef;border-radius:19px;padding:35px;background:#edf3fa;gap:45px}.calc-output{background:#142943;border-radius:14px;padding:28px}.calc-output strong{color:#d8e6f8}.calc-output>span{color:#c0d3ed}.calc-output p{font-size:13px;line-height:1.9}.calc-output .button{background:#d9e5f7;color:#142943;font-size:12px}
.local-coverage{padding:32px 0 38px;gap:36px}.local-coverage h2{font-size:30px}.local-coverage p{font-size:14px;line-height:1.85}.local-location{font-size:12px}
body .efc26{--guide-ink:#1a334e;--guide-soft:#edf3fa;max-width:1140px;padding-top:40px;padding-bottom:46px}body .efc26>header{display:block;border:0;padding:0;background:none;position:static;box-shadow:none}body .efc26 h1{font-family:inherit;font-size:clamp(35px,4.1vw,55px);font-weight:600;line-height:1.19;letter-spacing:-.045em;max-width:930px}body .efc26 .efc26-deck{font-size:18px;line-height:1.85;color:#5c728a}body .efc26 .efc26-credit{font-size:11px;line-height:1.9;color:#607b9c}body .efc26 .efc26-kicker{font-size:10px;color:#607b9c;font-weight:600}body .efc26 .efc26-crumb{display:flex;flex-wrap:wrap;font-size:11px;line-height:1.8;gap:8px 14px;margin-bottom:27px}body .efc26 .efc26-answer{background:#edf3fa;border-left:3px solid #8ca9d0;border-radius:0 13px 13px 0;padding:23px 27px;margin:28px 0 36px}body .efc26 .efc26-answer strong{font-size:13px}body .efc26 p,body .efc26 li{font-size:16px;line-height:1.9;color:#5c7188}body .efc26 .efc26-layout{grid-template-columns:minmax(0,1fr) 215px;gap:44px}body .efc26 article{width:100%;max-width:74ch;min-width:0}body .efc26 h2{font-size:31px;line-height:1.3;font-weight:600;letter-spacing:-.03em}body .efc26 article section{border:0;padding:0;margin:0 0 32px}body .efc26 .efc26-toc{top:113px;background:#f0f4fa;border:1px solid #dce5ef;border-radius:13px;padding:20px}body .efc26 .efc26-toc a{font-size:11px;line-height:1.8;color:#5d7591}body .efc26 .efc26-toc strong{font-size:12px}body .efc26 details{background:#fff;border-color:#dce5ef;padding:18px 20px;border-radius:11px}body .efc26 summary{font-size:15px;line-height:1.7;font-weight:600;display:block;cursor:pointer}body .efc26 details p{font-size:15px}body .efc26 .efc26-links a{font-size:12px;line-height:1.7;border-color:#dce5ef;padding:12px 15px}body .efc26 nav{display:block}body .efc26 nav.efc26-crumb{display:flex}body .efc26-hub{max-width:1200px;padding:34px 40px;color:#1a334e}body .efc26-hub h2{font-size:30px;font-weight:600}body .efc26-hub article{border-color:#dce5ef;border-radius:15px;background:#fff}body .efc26-hub h3{font-size:22px;line-height:1.4}body .efc26-hub p{font-size:15px;line-height:1.85}
footer{background:#142943;padding:40px 0 23px}footer .mark{border-radius:11px;background:#2a4261}.gbv-footer-top{display:flex;justify-content:space-between;gap:30px;align-items:center;border-bottom:1px solid #354d6b;padding-bottom:27px}.gbv-footer-contact{display:flex;align-items:center;gap:26px}.gbv-footer-contact span{font-size:10px;color:#b5c7df;display:block;letter-spacing:.08em;text-transform:uppercase}.gbv-footer-contact a{font-size:14px!important;margin:5px 0!important;color:#e2ebf8!important}.gbv-footer-contact a.button{background:#dbe7f8;color:#142943!important;display:inline-flex;font-size:12px!important;padding:12px 18px}.gbv-footer-links{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:35px;padding:29px 0 30px}.gbv-footer-links h3{font-size:13px;margin:0 0 14px;font-weight:600;color:white;line-height:1.5}.gbv-footer-links a{font-size:12px!important;line-height:1.9;margin:7px 0!important;color:#c0cfe2!important}.gbv-footer-links a:hover{text-decoration:underline;color:#fff!important}.gbv-footer-note{display:grid;grid-template-columns:1fr 1fr;gap:40px;border-top:1px solid #354d6b;padding:22px 0}.gbv-footer-note p{font-size:12px;line-height:1.9;margin:0;color:#b4c5dc}.gbv-footer-note strong{color:#e3ecf9}.gbv-footer-note a{font-size:12px!important;display:inline!important;text-decoration:underline!important}.footer-bottom{margin:0;padding:18px 0 0;font-size:11px;line-height:1.8;border-color:#354d6b}
@media(max-width:1050px){.wrap{width:calc(100% - 52px)}body>header.wrap{gap:17px;padding:14px 20px}header nav{gap:15px}.hero{gap:35px;grid-template-columns:1.1fr .9fr}.hero h1{font-size:48px}.article-layout{grid-template-columns:190px minmax(0,1fr);gap:35px}.gbv-footer-links{gap:25px}.form-panel{padding:24px}}
@media(max-width:800px){body .efc26 .efc26-layout{display:flex;flex-direction:column;gap:25px}body .efc26 .efc26-toc{position:static;width:100%;order:-1}}
@media(max-width:680px){html{scroll-padding-top:105px}.wrap{width:calc(100% - 36px)}body>header.wrap{width:calc(100% - 24px);top:8px;margin-top:8px;min-height:65px;padding:12px 14px;border-radius:13px;gap:12px}header>.button{font-size:10px;padding:10px 12px;min-height:39px}.brand{font-size:9px;letter-spacing:.05em}.mark{width:34px;height:36px;font-size:26px;border-radius:9px}.top .wrap{font-size:8px}.menu{font-size:12px;padding:0 5px}.menu nav{gap:11px 19px}.hero{grid-template-columns:1fr;padding:28px 0 35px;gap:27px}.hero h1{font-size:clamp(35px,8.7vw,47px);line-height:1.18;letter-spacing:-.045em;margin:19px 0 22px}.lead{font-size:17px;line-height:1.9}.hero-note p{font-size:12px}.form-panel{padding:23px;border-radius:16px}.form-panel h2{font-size:29px}.form-panel>p{font-size:13px}input,select{font-size:16px;min-height:48px}label{font-size:13px}.phone{font-size:12px}.form-panel form .small{font-size:11px}.section{padding:40px 0}.section-heading>p{font-size:15px}.cards,.split,.calculator{grid-template-columns:1fr}.card{padding:24px}.card h3{font-size:24px}.card p{font-size:15px}.ribbon .wrap{font-size:9px;line-height:1.9}.split{gap:28px}.article-layout{display:block;padding-top:26px}.contents{position:static;padding:19px;margin-bottom:30px}.contents a{font-size:12px;padding:9px 0}.article-layout article{max-width:100%}article h2{font-size:28px;line-height:1.35}article p,article li{font-size:16px;line-height:1.9}.search-table th,.search-table td{font-size:13px;min-width:140px;padding:13px}.faq{grid-template-columns:1fr;padding:35px 0;gap:20px}.faq h2{font-size:32px}.faq summary,.faq details p{font-size:15px;line-height:1.85}.closing{padding:35px 0 44px}.closing h2{font-size:33px}.calculator{padding:22px;gap:25px}.calc-output{padding:25px}.local-coverage{grid-template-columns:1fr;gap:13px;padding-top:28px;padding-bottom:30px}.local-coverage h2{font-size:29px}body .efc26{padding:29px 18px 38px}body .efc26 h1{font-size:clamp(31px,7.8vw,43px);line-height:1.23}body .efc26 .efc26-deck{font-size:17px;line-height:1.9}body .efc26 p,body .efc26 li{font-size:16px}body .efc26 h2{font-size:28px}body .efc26 .efc26-answer{padding:20px 22px}body .efc26 .efc26-toc a{font-size:12px}body .efc26 article{max-width:100%}body .efc26-hub{padding:30px 18px}body .efc26-hub h2{font-size:28px}.gbv-footer-top{align-items:flex-start;flex-direction:column;gap:24px}.gbv-footer-contact{gap:22px;flex-wrap:wrap}.gbv-footer-links{grid-template-columns:repeat(2,minmax(0,1fr));gap:27px 23px;padding-top:27px}.gbv-footer-note{grid-template-columns:1fr;gap:17px}.footer-bottom{padding-bottom:70px}.mobile-cta{left:12px;right:12px;bottom:10px;border-radius:10px;padding:14px 18px;font-size:13px;background:#2556a5;box-shadow:0 5px 18px #14294325}.gbv-feature{padding:22px}.gbv-feature h2{font-size:25px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.card{transition:none}.card:hover{transform:none}}
