/* SepSource design system
   See /brand/brand-guide.html for the rationale behind every value here.
   BEFORE LAUNCH: replace this @import with self-hosted woff2 files in /fonts/
   and a <link rel="preload"> per page. @import blocks rendering and sends
   visitor IPs to a third party. It is here for iteration speed only. */
@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,600;9..144,700&family=Inter:wght@400;500;600;700&family=IBM+Plex+Mono:wght@400;500&display=swap');

:root{
  --ink:#0b1a24;
  --ink2:#16303f;
  --ink3:#24485c;
  --teal:#0b6e7d;
  --teal-lt:#2ac5aa;
  --teal-dp:#0a5563;
  --sand:#f7f4ee;
  --sand2:#efeae0;
  --line:#e2dcd1;
  --line2:#d3cbbd;
  --muted:#57676f;
  --white:#fff;
  --max:1180px;
  --r:16px;
  --r-sm:10px;
  --shadow:0 1px 2px rgba(11,26,36,.04),0 8px 28px rgba(11,26,36,.06);
  --shadow-lg:0 24px 70px rgba(11,26,36,.16);
  --serif:"Fraunces","Iowan Old Style","Palatino Linotype",Georgia,serif;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,Menlo,Consolas,monospace;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font:17px/1.62 var(--sans);color:var(--ink);background:var(--white);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%}
h1,h2,h3,h4{font-family:var(--serif);font-weight:700;line-height:1.1;letter-spacing:-.021em}
h1{font-size:clamp(2.5rem,6.2vw,4.35rem)}
h2{font-size:clamp(1.8rem,3.9vw,2.75rem);line-height:1.14}
h3{font-family:var(--sans);font-size:1.1rem;font-weight:700;letter-spacing:-.008em;line-height:1.35}
p{color:var(--muted)}
a{color:var(--teal)}
::selection{background:var(--teal-lt);color:#04302b}

.wrap{max-width:var(--max);margin:0 auto;padding:0 26px}
.narrow{max-width:880px}

.eyebrow{display:inline-block;font-family:var(--mono);font-size:.73rem;font-weight:500;letter-spacing:.17em;text-transform:uppercase;color:var(--teal)}
/* Record data always sets in mono. See brand guide 04. */
.rec,.article-meta,.rulebox .cite,.rule cite,.stat b{font-family:var(--mono)}
.stat b{font-weight:500;letter-spacing:-.01em}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;background:var(--teal-lt);color:#04302b;font-family:var(--sans);font-weight:700;font-size:1.01rem;padding:17px 30px;border-radius:var(--r-sm);text-decoration:none;border:0;cursor:pointer;letter-spacing:-.005em;transition:transform .16s cubic-bezier(.2,.8,.3,1),box-shadow .16s,background .16s;box-shadow:0 1px 0 rgba(255,255,255,.35) inset,0 4px 14px rgba(42,197,170,.28)}
.btn:hover{background:#35d6ba;transform:translateY(-2px);box-shadow:0 1px 0 rgba(255,255,255,.4) inset,0 10px 26px rgba(42,197,170,.36)}
.btn:active{transform:translateY(0)}
.btn-ghost{background:transparent;color:#dcecef;border:1.5px solid rgba(255,255,255,.28);box-shadow:none;font-weight:600}
.btn-ghost:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.5);color:#fff;box-shadow:none}
.btn-sm{padding:11px 20px;font-size:.92rem}

/* ---------- header ---------- */
header{position:sticky;top:0;z-index:80;background:rgba(255,255,255,.88);backdrop-filter:saturate(1.6) blur(14px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:13px 26px;max-width:var(--max);margin:0 auto}
.nav>a img{height:40px;width:auto;display:block}
.nav ul{display:none;gap:30px;list-style:none;margin-left:auto;margin-right:8px}
.nav ul a{color:var(--ink2);text-decoration:none;font-size:.93rem;font-weight:600;letter-spacing:-.005em;position:relative;padding:4px 0}
.nav ul a::after{content:"";position:absolute;left:0;right:0;bottom:0;height:2px;background:var(--teal-lt);transform:scaleX(0);transform-origin:left;transition:transform .2s}
.nav ul a:hover::after{transform:scaleX(1)}
@media(min-width:960px){.nav ul{display:flex}}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;background:var(--ink);color:#fff;padding:96px 0 88px}
.hero::before{content:"";position:absolute;inset:0;background:
  radial-gradient(1100px 620px at 78% -8%,rgba(42,197,170,.30),transparent 62%),
  radial-gradient(900px 520px at 5% 108%,rgba(11,110,125,.55),transparent 60%),
  linear-gradient(168deg,#0b1a24 0%,#102b39 48%,#0a4a58 100%)}
.hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:46%;opacity:.5;
  background:repeating-linear-gradient(180deg,rgba(255,255,255,.055) 0,rgba(255,255,255,.055) 1px,transparent 1px,transparent 13px);
  -webkit-mask-image:linear-gradient(180deg,transparent,#000);mask-image:linear-gradient(180deg,transparent,#000)}
.hero .wrap{position:relative;z-index:3}
.hero-inner{max-width:880px}
.hero h1{color:#fff;margin:20px 0 22px;text-wrap:balance}
.hero h1 em{font-style:normal;color:var(--teal-lt)}
.hero .lede{color:#b9d2d8;font-size:clamp(1.08rem,1.7vw,1.28rem);line-height:1.55;max-width:660px;margin-bottom:34px}
.hero .eyebrow{color:var(--teal-lt)}
.hero .cta-row{display:flex;flex-wrap:wrap;gap:12px}
.crumbs{font-size:.85rem;color:#7fa6b0;margin-bottom:6px}
.crumbs a{color:#a9cbd2;text-decoration:none}
.crumbs a:hover{color:#fff}
.hero--sub{padding:72px 0 66px}
.hero--sub h1{font-size:clamp(2.1rem,4.8vw,3.4rem)}

/* inline lookup form in hero */
form.lookup{display:flex;flex-wrap:wrap;gap:10px;max-width:620px;margin-bottom:16px;background:transparent;padding:0;box-shadow:none;border-radius:0}
.lookup input{flex:1 1 240px;padding:18px 20px;border:1.5px solid rgba(255,255,255,.2);border-radius:var(--r-sm);background:rgba(255,255,255,.07);color:#fff;font:inherit;font-size:1.01rem;transition:.16s}
.lookup input[type="text"]{flex:1 1 100%}
.lookup .hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.lookup input::placeholder{color:#87a9b2}
.lookup input:focus{outline:0;border-color:var(--teal-lt);background:rgba(255,255,255,.12)}
.lookup .btn{flex:0 0 auto}
.lookup-note{font-size:.87rem;color:#8fb2ba;display:flex;flex-wrap:wrap;gap:6px 18px}
.lookup-note span{display:inline-flex;align-items:center;gap:7px}
.lookup-note span::before{content:"";width:5px;height:5px;border-radius:50%;background:var(--teal-lt)}

/* ---------- stat band ---------- */
.stats{background:var(--ink2);color:#fff;border-top:1px solid rgba(255,255,255,.08)}
.stats .wrap{display:grid;grid-template-columns:repeat(2,1fr);gap:0}
@media(min-width:900px){.stats .wrap{grid-template-columns:repeat(4,1fr)}}
.stat{padding:30px 26px 30px 0;border-right:1px solid rgba(255,255,255,.1)}
.stat:last-child{border-right:0}
@media(max-width:899px){.stat:nth-child(2n){border-right:0}.stat{border-bottom:1px solid rgba(255,255,255,.1)}}
.stat b{display:block;font-family:var(--serif);font-size:clamp(1.9rem,3.4vw,2.5rem);line-height:1;color:var(--teal-lt);letter-spacing:-.02em;margin-bottom:9px}
.stat span{font-size:.9rem;color:#a8c4cb;line-height:1.45;display:block}

/* ---------- trust strip ---------- */
.trust{background:var(--sand);border-bottom:1px solid var(--line)}
.trust ul{list-style:none;display:grid;grid-template-columns:repeat(2,1fr);gap:14px 30px;padding:22px 26px;max-width:var(--max);margin:0 auto;font-size:.91rem;font-weight:600;color:var(--ink2)}
.trust li{display:flex;align-items:flex-start;gap:10px}
.trust li::before{content:"";flex:0 0 auto;margin-top:5px;width:8px;height:8px;border-radius:50%;background:var(--teal-lt);box-shadow:0 0 0 3px rgba(42,197,170,.2)}
@media(min-width:860px){.trust ul{grid-template-columns:repeat(4,1fr)}}

/* ---------- sections ---------- */
section{padding:88px 0}
.sec-head{max-width:700px;margin-bottom:48px}
.sec-head h2{margin-top:14px;text-wrap:balance}
.sec-head p{margin-top:16px;font-size:1.08rem;line-height:1.6}

.steps{display:grid;gap:26px;grid-template-columns:1fr;counter-reset:s}
@media(min-width:850px){.steps{grid-template-columns:repeat(3,1fr);gap:34px}}
.step{position:relative;padding-top:28px;border-top:2px solid var(--ink)}
.step .num{font-family:var(--serif);font-size:.9rem;font-weight:700;color:var(--teal);letter-spacing:.1em;text-transform:uppercase;margin-bottom:12px;display:block}
.step h3{margin-bottom:9px;font-size:1.24rem}
.step p{font-size:1rem}

.grid{display:grid;gap:20px;grid-template-columns:1fr}
@media(min-width:700px){.grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1040px){.grid{grid-template-columns:repeat(3,1fr)}}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:30px 28px;transition:transform .18s cubic-bezier(.2,.8,.3,1),box-shadow .18s,border-color .18s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--line2)}
.card h3{margin-bottom:10px;font-size:1.16rem}
.card p{font-size:.97rem}
.card .tag{display:inline-block;font-size:.69rem;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--teal);margin-bottom:12px}
.services{background:var(--sand)}

/* ---------- rules (dark) ---------- */
.rules{background:var(--ink);color:#fff;position:relative;overflow:hidden}
.rules::before{content:"";position:absolute;inset:0;background:radial-gradient(900px 500px at 88% 0%,rgba(11,110,125,.5),transparent 60%)}
.rules .wrap{position:relative;z-index:2}
.rules h2{color:#fff}
.rules .sec-head p{color:#a8c4cb}
.rulegrid{display:grid;gap:22px;grid-template-columns:1fr}
@media(min-width:880px){.rulegrid{grid-template-columns:repeat(2,1fr);gap:28px}}
.rule{background:rgba(255,255,255,.045);border:1px solid rgba(255,255,255,.12);border-radius:var(--r);padding:30px 28px;transition:.18s}
.rule:hover{background:rgba(255,255,255,.07);border-color:rgba(42,197,170,.35)}
.rule h3{color:#fff;margin-bottom:12px;font-family:var(--serif);font-size:1.28rem;letter-spacing:-.015em}
.rule p{color:#b3cad1;font-size:.99rem}
.rule cite{display:block;margin-top:16px;padding-top:14px;border-top:1px solid rgba(255,255,255,.1);font-size:.78rem;font-style:normal;color:var(--teal-lt);letter-spacing:.06em;text-transform:uppercase;font-weight:700}

/* ---------- table ---------- */
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:#fff}
table{width:100%;border-collapse:collapse;font-size:.97rem;min-width:560px}
th,td{text-align:left;padding:17px 22px;border-bottom:1px solid var(--line)}
th{background:var(--sand);font-family:var(--sans);font-weight:700;font-size:.72rem;text-transform:uppercase;letter-spacing:.11em;color:var(--ink3)}
tr:last-child td{border-bottom:0}
tbody tr:hover{background:#fbfaf7}
td:last-child{white-space:nowrap;font-weight:700;color:var(--ink);font-variant-numeric:tabular-nums}

/* ---------- areas ---------- */
.areas{background:var(--sand)}
.arealist{display:grid;grid-template-columns:repeat(2,1fr);gap:11px;list-style:none;margin-top:8px}
@media(min-width:720px){.arealist{grid-template-columns:repeat(4,1fr)}}
.arealist span,.arealist a{display:block;padding:14px 16px;background:var(--white);border:1px solid var(--line);border-radius:var(--r-sm);text-decoration:none;color:var(--ink);font-weight:600;font-size:.94rem;transition:.16s}
.arealist a:hover{border-color:var(--teal-lt);color:var(--teal);transform:translateY(-2px);box-shadow:var(--shadow)}

/* ---------- faq ---------- */
details{border-bottom:1px solid var(--line);padding:24px 0}
details summary{cursor:pointer;font-weight:700;font-size:1.09rem;list-style:none;display:flex;justify-content:space-between;gap:20px;align-items:flex-start;color:var(--ink);letter-spacing:-.008em}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"";flex:0 0 auto;width:22px;height:22px;margin-top:3px;border-radius:50%;background:var(--sand2);position:relative;transition:.2s}
details summary::before{content:"";position:absolute;right:26px;margin-top:13px;width:10px;height:2px;background:var(--teal);z-index:2;transition:.2s}
details[open] summary::after{background:var(--teal-lt)}
details p{margin-top:14px;font-size:1rem;max-width:74ch}

/* ---------- form ---------- */
.formsec{background:var(--ink);color:#fff;position:relative;overflow:hidden}
.formsec::before{content:"";position:absolute;inset:0;background:radial-gradient(800px 460px at 12% 0%,rgba(42,197,170,.2),transparent 58%),linear-gradient(160deg,#0a4a58,#0b1a24 70%)}
.formsec .wrap{position:relative;z-index:2}
.formsec h2{color:#fff}
.formsec .sec-head p{color:#b3cad1}
form{background:var(--white);border-radius:var(--r);padding:36px 32px;max-width:660px;box-shadow:var(--shadow-lg)}
.field{margin-bottom:20px}
.row2{display:grid;gap:20px;grid-template-columns:1fr}
@media(min-width:560px){.row2{grid-template-columns:1fr 1fr}}
label{display:block;font-weight:700;font-size:.85rem;margin-bottom:8px;color:var(--ink);letter-spacing:-.003em}
label .opt{font-weight:400;color:var(--muted)}
input,select,textarea{width:100%;padding:14px 16px;border:1.5px solid var(--line);border-radius:var(--r-sm);font:inherit;font-size:.98rem;background:#fcfbf9;color:var(--ink);transition:.16s}
input:focus,select:focus,textarea:focus{outline:0;border-color:var(--teal-lt);background:#fff;box-shadow:0 0 0 4px rgba(42,197,170,.14)}
textarea{min-height:104px;resize:vertical}
.fine{font-size:.82rem;color:var(--muted);margin-top:16px;line-height:1.55}
.form-status{margin-top:16px;padding:14px 16px;border-radius:var(--r-sm);background:#FDF1EA;border:1px solid #F0D2BC;border-left:3px solid #C2571A;color:#7A3A0E;font-size:.93rem;line-height:1.5}
form.lookup .form-status{flex:1 1 100%;margin-top:4px;background:rgba(194,87,26,.16);border-color:rgba(255,180,140,.4);border-left-color:#E8834A;color:#FFD9C4}

/* ---------- what happens next ---------- */
.next{background:var(--sand);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.nextgrid{display:grid;gap:0;grid-template-columns:1fr;counter-reset:n;margin-top:8px}
@media(min-width:900px){.nextgrid{grid-template-columns:repeat(4,1fr)}}
.nstep{position:relative;padding:34px 26px 30px 0}
@media(min-width:900px){.nstep{padding:44px 28px 30px 0}}
.nstep::before{content:"";position:absolute;top:0;left:0;right:0;height:2px;background:var(--line2)}
.nstep:first-child::before{background:var(--teal-lt)}
.nstep .n{display:inline-flex;align-items:center;justify-content:center;width:30px;height:30px;border-radius:50%;background:var(--ink);color:#fff;font-family:var(--mono);font-size:.82rem;font-weight:500;margin-bottom:14px}
.nstep .when{display:block;font-family:var(--mono);font-size:.7rem;letter-spacing:.13em;text-transform:uppercase;color:var(--teal);margin-bottom:7px}
.nstep h3{font-size:1.06rem;margin-bottom:7px}
.nstep p{font-size:.95rem;margin:0}
.reassure{margin-top:34px;background:#fff;border:1px solid var(--line);border-left:3px solid var(--teal-lt);border-radius:0 var(--r) var(--r) 0;padding:22px 26px;max-width:760px}
.reassure p{margin:0;font-size:1rem;color:var(--ink2)}

/* ---------- why us ---------- */
.why{display:grid;gap:22px;grid-template-columns:1fr;margin-top:8px}
@media(min-width:860px){.why{grid-template-columns:repeat(3,1fr);gap:30px}}
.why div{border-top:2px solid var(--ink);padding-top:24px}
.why h3{font-family:var(--serif);font-size:1.3rem;letter-spacing:-.018em;margin-bottom:10px}
.why p{font-size:.99rem}

/* ---------- diagram ---------- */
figure.diagram{margin:0;border:1px solid var(--line);border-radius:var(--r);background:#fff;overflow:hidden}
figure.diagram img{display:block;width:100%;height:auto}
figure.diagram figcaption{padding:16px 22px;border-top:1px solid var(--line);background:var(--sand);font-size:.9rem;color:var(--muted)}

/* ---------- article ---------- */
.article{max-width:748px;margin:0 auto;padding:0 26px}
.article-meta{font-size:.84rem;color:var(--muted);margin-bottom:10px;letter-spacing:.01em}
.article .lede-para{font-size:1.22rem;line-height:1.58;color:var(--ink2);margin-bottom:34px}
.article h2{margin:52px 0 16px;font-size:clamp(1.5rem,3vw,2rem)}
.article h3{margin:34px 0 11px;font-size:1.14rem;color:var(--ink)}
.article p{margin-bottom:19px;font-size:1.06rem;line-height:1.68}
.article ul,.article ol{margin:0 0 22px 24px;color:var(--muted);font-size:1.05rem;line-height:1.65}
.article li{margin-bottom:10px}
.article strong{color:var(--ink);font-weight:650}
.toc{background:var(--sand);border:1px solid var(--line);border-radius:var(--r);padding:26px 28px;margin-bottom:42px}
.toc h4{font-family:var(--sans);font-size:.72rem;text-transform:uppercase;letter-spacing:.13em;color:var(--teal);margin-bottom:14px}
.toc ol{margin:0 0 0 20px;font-size:.97rem;color:var(--ink2)}
.toc li{margin-bottom:8px}
.toc a{text-decoration:none;color:var(--ink2)}
.toc a:hover{color:var(--teal);text-decoration:underline}
.pull{border-left:3px solid var(--teal-lt);background:var(--sand);padding:24px 28px;border-radius:0 var(--r) var(--r) 0;margin:34px 0}
.pull p{margin:0;color:var(--ink2);font-size:1.09rem;line-height:1.55;font-family:var(--serif)}
.rulebox{border:1px solid var(--line);border-left:3px solid var(--ink);border-radius:0 var(--r) var(--r) 0;padding:24px 28px;margin:32px 0;background:#fff;box-shadow:var(--shadow)}
.rulebox .cite{display:block;font-size:.72rem;color:var(--teal);font-weight:700;letter-spacing:.12em;text-transform:uppercase;margin-bottom:11px}
.rulebox p{margin:0;font-size:1.02rem;color:var(--ink2);line-height:1.6}
.sources{border-top:1px solid var(--line);margin-top:58px;padding-top:30px}
.sources h3{font-size:.72rem;text-transform:uppercase;letter-spacing:.13em;color:var(--muted);margin-bottom:16px}
.sources ol{margin-left:20px;font-size:.92rem;line-height:1.6}
.sources li{margin-bottom:10px}

.reslist{display:grid;gap:20px;grid-template-columns:1fr}
@media(min-width:820px){.reslist{grid-template-columns:repeat(2,1fr)}}
.rescard{display:block;border:1px solid var(--line);border-radius:var(--r);padding:32px 30px;text-decoration:none;background:#fff;transition:transform .18s cubic-bezier(.2,.8,.3,1),box-shadow .18s,border-color .18s}
.rescard:hover{border-color:var(--teal-lt);transform:translateY(-3px);box-shadow:var(--shadow)}
.rescard .tag{display:inline-block;font-size:.68rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);margin-bottom:12px}
.rescard h3{color:var(--ink);margin-bottom:10px;font-family:var(--serif);font-size:1.34rem;letter-spacing:-.018em;line-height:1.2}
.rescard p{font-size:.96rem;margin:0}

/* ---------- footer ---------- */
footer{background:var(--ink);color:#8ba7b0;padding:64px 0 112px;font-size:.91rem}
footer img{height:36px;margin-bottom:20px}
footer a{color:#b8d2d8}
.fgrid{display:grid;gap:34px;grid-template-columns:1fr}
@media(min-width:820px){.fgrid{grid-template-columns:2fr 1fr 1fr}}
.fgrid h4{font-family:var(--sans);color:#fff;font-size:.73rem;text-transform:uppercase;letter-spacing:.13em;margin-bottom:16px}
.fgrid ul{list-style:none;display:grid;gap:10px}
.fgrid a{text-decoration:none}
.fgrid a:hover{color:#fff}
.disclosure{margin-top:42px;padding-top:26px;border-top:1px solid rgba(255,255,255,.1);font-size:.81rem;line-height:1.65;max-width:820px;color:#7b969f}

/* ---------- sticky mobile bar ---------- */
.mobar{position:fixed;left:0;right:0;bottom:0;z-index:90;display:grid;grid-template-columns:1fr 1fr;gap:1px;background:rgba(255,255,255,.14);box-shadow:0 -4px 20px rgba(0,0,0,.24)}
.mobar a{padding:16px 8px;text-align:center;font-weight:700;text-decoration:none;font-size:.96rem}
.mobar .a{background:var(--ink);color:#fff}
.mobar .b{background:var(--teal-lt);color:#04302b}
@media(min-width:960px){.mobar{display:none}footer{padding-bottom:64px}}

@media(prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important;scroll-behavior:auto}}