:root{--navy:#123c69;--blue:#185fa8;--sky:#e9f4fc;--ink:#18314b;--muted:#52667b;--line:#ccdae7;--white:#fff}*{box-sizing:border-box}body{margin:0;background:white;color:var(--ink);font:17px/1.6 'Avenir Next',Avenir,'Segoe UI',sans-serif}a{color:var(--blue);text-underline-offset:4px}header,footer,section,article{max-width:1180px;margin:auto;padding:36px 40px}header{display:flex;justify-content:space-between;align-items:center;border-bottom:1px solid var(--line);gap:28px}.brand{font-size:26px;font-weight:800;text-decoration:none;letter-spacing:-1px;color:var(--navy)}.brand span{color:var(--blue)}.brand small{display:block;font-size:12px;font-weight:500;letter-spacing:0}nav{display:flex;gap:28px}nav a{font-size:15px;font-weight:600;text-decoration:none}h1,h2,h3{line-height:1.15;margin:0 0 20px;letter-spacing:-.035em}h1{font-size:clamp(38px,5.3vw,64px);max-width:760px}h2{font-size:34px}h3{font-size:23px}p{max-width:70ch;margin:0 0 22px}.intro{font-size:21px;color:var(--muted);max-width:47ch}.hero{display:grid;grid-template-columns:1.3fr 1fr;align-items:center;gap:30px;padding-top:70px;padding-bottom:80px}.eyebrow{color:var(--blue);font-weight:650}.actions{display:flex;gap:24px;align-items:center;flex-wrap:wrap;margin:30px 0 18px}.button{display:inline-block;background:var(--blue);color:white;border:0;border-radius:6px;padding:15px 24px;text-decoration:none;font:600 16px/1.5 inherit;cursor:pointer}.button.secondary{background:var(--navy)}.textlink{font-weight:600}.fine{font-size:14px;color:var(--muted)}.house{height:370px;background:var(--sky);border-radius:50% 50% 8px 8px;position:relative;overflow:hidden;display:flex;align-items:center;justify-content:center}.home{width:240px;height:140px;background:white;border:3px solid var(--navy);display:flex;align-items:center;justify-content:space-around;margin-top:65px}.roof{position:absolute;top:50px;width:174px;height:174px;background:var(--navy);transform:rotate(45deg);border-radius:6px}.home{position:relative}.window{width:45px;height:52px;background:#b6d9f3;border:3px solid var(--navy)}.door{width:43px;height:77px;background:#185fa8;align-self:flex-end}.note{position:absolute;bottom:18px;right:15px;background:white;padding:15px 25px;border-left:5px solid var(--blue);box-shadow:0 5px 20px #123c6915}.heading{display:flex;gap:35px;justify-content:space-between;align-items:end;margin-bottom:25px}.heading h2{max-width:550px}.guides{display:grid;grid-template-columns:repeat(3,1fr);gap:0 32px}.guide{padding:26px 0;border-top:2px solid var(--line);text-decoration:none;color:var(--ink)}.guide p{color:var(--muted)}.guide span{font-size:14px;color:var(--blue);font-weight:600}.guide:hover h3{text-decoration:underline}.band{background:var(--sky);max-width:none;padding:48px max(40px,calc((100vw - 1100px)/2))}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;margin-top:35px}.buyer{display:flex;gap:40px;align-items:center;justify-content:space-between;padding-top:64px;padding-bottom:64px}.buyer div{max-width:700px}.buyer .button{flex-shrink:0}article{max-width:850px;padding-top:60px;padding-bottom:70px}article h1{margin-top:24px}article h2{margin-top:35px;font-size:28px}aside{background:var(--sky);padding:25px;border-left:4px solid var(--blue);margin:30px 0}aside h2{font-size:24px;margin-top:0}aside p:last-child{margin-bottom:0}.formlayout{display:grid;grid-template-columns:1fr 1fr;gap:65px;padding-top:65px;padding-bottom:70px}.formlayout h1{font-size:48px}form{padding:30px;background:#f7fafd;border:1px solid var(--line);border-radius:8px}label{display:block;font-weight:600;font-size:15px;margin-bottom:22px}input,select,textarea{display:block;width:100%;padding:12px;margin-top:8px;border:1px solid #829bb1;border-radius:4px;background:white;color:var(--ink);font:inherit}textarea{min-height:130px;resize:vertical}.check{display:flex;align-items:start;gap:12px;font-weight:400}.check input{width:20px;flex-shrink:0}footer{border-top:1px solid var(--line);display:grid;grid-template-columns:1fr 1fr;gap:20px;font-size:14px}footer a{margin-right:20px}footer>p{grid-column:1/-1}.skip{position:absolute;left:12px;top:-100px;background:white;padding:15px;z-index:10}.skip:focus{top:8px}:focus-visible{outline:3px solid #e28d16;outline-offset:4px}#status{margin:20px 0 0;color:var(--navy)}@media(max-width:800px){header{align-items:start;flex-direction:column;padding:22px}nav{gap:20px;flex-wrap:wrap}.hero,.formlayout{grid-template-columns:1fr}.hero{padding-top:42px}.house{height:300px}.roof{top:15px}.home{margin-top:30px}.guides{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:1fr;gap:15px}.heading,.buyer{display:block}.buyer .button{margin-top:16px}section,article{padding:35px 22px}.band{padding:35px 22px}.formlayout{gap:20px}.formlayout h1{font-size:40px}footer{padding:25px 22px;grid-template-columns:1fr}}@media(max-width:480px){.guides{grid-template-columns:1fr}form{padding:20px}.house{height:270px}.roof{top:0}.home{margin-top:0}nav a{font-size:14px}.button{width:100%;text-align:center}h2{font-size:29px}footer>p{grid-column:auto}}
.trap{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}button:disabled{opacity:.65;cursor:default}
/* Editorial worksheets remain readable and keyboard reachable on narrow screens. */
.table-wrap{max-width:100%;overflow-x:auto;margin:26px 0;border:1px solid var(--line);border-radius:6px}table{border-collapse:collapse;width:100%;font-size:16px;line-height:1.5;min-width:560px}caption{text-align:left;font-weight:700;padding:16px;background:var(--sky)}th,td{text-align:left;vertical-align:top;padding:14px;border-bottom:1px solid var(--line)}thead th{background:#f7fafd}tbody th{font-weight:600;width:24%}.breadcrumbs{font-size:14px;gap:12px;flex-wrap:wrap}.cluster-heading{margin-top:45px}article a{overflow-wrap:anywhere}article li{margin-bottom:10px}@media(max-width:480px){article h1{font-size:36px}table{font-size:15px}.table-wrap{margin:22px 0}}
:focus-visible{outline-color:var(--navy)}