@font-face{font-family:Inter;font-style:normal;font-weight:100 900;font-display:swap;src:url(../media/2c55a0e60120577a-s.0bjc5tiuqdqro.woff2?dpl=dpl_F8jCuvipccAAMt2PJrUjb4YYYXdJ)format("woff2");unicode-range:U+460-52F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F}@font-face{font-family:Inter;font-style:normal;font-weight:100 900;font-display:swap;src:url(../media/9c72aa0f40e4eef8-s.0m6w47a4e5dy9.woff2?dpl=dpl_F8jCuvipccAAMt2PJrUjb4YYYXdJ)format("woff2");unicode-range:U+301,U+400-45F,U+490-491,U+4B0-4B1,U+2116}@font-face{font-family:Inter;font-style:normal;font-weight:100 900;font-display:swap;src:url(../media/ad66f9afd8947f86-s.11u06r12fd6v_.woff2?dpl=dpl_F8jCuvipccAAMt2PJrUjb4YYYXdJ)format("woff2");unicode-range:U+1F??}@font-face{font-family:Inter;font-style:normal;font-weight:100 900;font-display:swap;src:url(../media/5476f68d60460930-s.0wxq9webf.ew4.woff2?dpl=dpl_F8jCuvipccAAMt2PJrUjb4YYYXdJ)format("woff2");unicode-range:U+370-377,U+37A-37F,U+384-38A,U+38C,U+38E-3A1,U+3A3-3FF}@font-face{font-family:Inter;font-style:normal;font-weight:100 900;font-display:swap;src:url(../media/2bbe8d2671613f1f-s.067x_6k0k23tk.woff2?dpl=dpl_F8jCuvipccAAMt2PJrUjb4YYYXdJ)format("woff2");unicode-range:U+102-103,U+110-111,U+128-129,U+168-169,U+1A0-1A1,U+1AF-1B0,U+300-301,U+303-304,U+308-309,U+323,U+329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Inter;font-style:normal;font-weight:100 900;font-display:swap;src:url(../media/1bffadaabf893a1e-s.16ipb6fqu393i.woff2?dpl=dpl_F8jCuvipccAAMt2PJrUjb4YYYXdJ)format("woff2");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Inter;font-style:normal;font-weight:100 900;font-display:swap;src:url(../media/83afe278b6a6bb3c-s.p.0q-301v4kxxnr.woff2?dpl=dpl_F8jCuvipccAAMt2PJrUjb4YYYXdJ)format("woff2");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Inter Fallback;src:local(Arial);ascent-override:90.44%;descent-override:22.52%;line-gap-override:0.0%;size-adjust:107.12%}.inter_5901b7c6-module__ec5Qua__className{font-family:Inter,Inter Fallback;font-style:normal}.inter_5901b7c6-module__ec5Qua__variable{--font-inter:"Inter", "Inter Fallback"}
:root{--navy:#211c12;--navy-mid:#0f0d08;--navy-soft:#8a6d2f;--navy-bg:#f1ead9;--navy-pale:#f7f2e6;--ink:#17140e;--ink-soft:#5a5142;--ink-soft-2:#7a6f5c;--line:#211c1238;--line-soft:#211c121a;--link:#8a5a10;--link-visited:#6f4a10;--accent-amber:#8a5a10;--accent-amber-bg:#f3e3c2;--accent-red:#8f2f2f;--accent-red-bg:#f0dcd0;--accent-green:#4a5d2a;--accent-green-bg:#e9e4cf;--cream:#faf6ee;--cream-soft:#f1ead9}*{box-sizing:border-box}html,body{color:var(--ink);background:var(--cream);font-family:var(--font-inter,Inter), system-ui, -apple-system, sans-serif;-webkit-font-smoothing:antialiased;margin:0;padding:0;font-size:17px;line-height:1.65}a{color:var(--link);text-decoration:underline}a:visited{color:var(--link-visited)}a:hover{color:var(--navy-mid)}.container{max-width:960px;margin:0 auto;padding:0 24px}.container-narrow{max-width:760px;margin:0 auto;padding:0 24px}.site-header{background:var(--cream);border-bottom:1px solid var(--line);z-index:50;padding:12px 0;position:sticky;top:0}.skip-link{background:var(--navy);color:#fff;z-index:100;padding:8px 14px;font-family:Arial,sans-serif;font-size:13px;position:absolute;top:0;left:-9999px}.skip-link:focus{color:#fff;top:8px;left:8px}a:focus-visible,.site-nav a:focus-visible{outline:2px solid var(--link);outline-offset:2px}.header-row{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:24px;display:flex}.brand{color:var(--ink);align-items:center;gap:12px;text-decoration:none;display:flex}.brand:hover{color:var(--ink)}.brand-seal{object-fit:contain;flex-shrink:0;width:52px;height:52px}.brand-text{flex-direction:column;line-height:1.15;display:flex}.brand-name{color:var(--navy);font-family:Georgia,serif;font-size:17px;font-weight:700}.brand-tag{color:var(--ink-soft);text-transform:uppercase;letter-spacing:.8px;margin-top:2px;font-family:Arial,sans-serif;font-size:11px}.site-nav{gap:22px;font-family:Arial,sans-serif;font-size:13px;display:flex}.site-nav a{color:var(--ink);border-bottom:2px solid #0000;padding:4px 0;font-weight:600;text-decoration:none}.site-nav a:hover{color:var(--navy);border-bottom-color:var(--navy)}.doc-bar{border-top:3px double var(--line);border-bottom:1px solid var(--line-soft);background:var(--navy-pale);text-transform:uppercase;letter-spacing:.12em;color:var(--ink-soft);padding:7px 0;font-family:Arial,sans-serif;font-size:11.5px}.sec-num{color:var(--ink-soft-2);margin-right:10px;font-family:Georgia,serif;font-weight:400}.page-banner{background:var(--navy-bg);border-bottom:1px solid var(--line);padding:28px 0 22px}.page-banner h1{color:var(--navy);letter-spacing:-.2px;margin:0 0 6px;font-family:Georgia,serif;font-size:32px;font-weight:700;line-height:1.18}.page-banner .page-subtitle{color:var(--ink-soft);margin:0;font-family:Georgia,serif;font-size:15px;font-style:italic}.page-banner .breadcrumb{color:var(--ink-soft);text-transform:uppercase;letter-spacing:.6px;margin:0 0 10px;font-family:Arial,sans-serif;font-size:11px}.page-banner .breadcrumb a{color:var(--link);text-decoration:none}.page-banner .breadcrumb a:hover{text-decoration:underline}.hero{background:var(--cream);border-bottom:1px solid var(--line);padding:44px 0 34px}.hero-notice{letter-spacing:1.6px;text-transform:uppercase;color:var(--navy);border-top:1px solid var(--navy);border-bottom:1px solid var(--navy);margin:0 0 18px;padding:7px 2px;font-size:13px;font-weight:600;display:inline-block}.hero h1{color:var(--navy);letter-spacing:-.2px;max-width:780px;margin:0 0 14px;font-family:Georgia,serif;font-size:33px;font-weight:700;line-height:1.18}.hero .lede{color:var(--ink);max-width:700px;margin:0 0 14px;font-size:17px;line-height:1.62}.hero .lede-meta{color:var(--ink-soft);margin:0;font-family:Georgia,serif;font-size:13px;font-style:italic}.section{padding:48px 0}.section+.section{border-top:1px solid var(--line-soft)}.section-alt{background:var(--navy-bg);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.section h2{color:var(--navy);border-bottom:2px solid var(--navy);margin:0 0 8px;padding-bottom:6px;font-family:Georgia,serif;font-size:28px;font-weight:700;display:inline-block}.section h3{color:var(--navy);margin:28px 0 8px;font-family:Georgia,serif;font-size:21px;font-weight:700}.section h4{color:var(--navy);margin:22px 0 6px;font-family:Georgia,serif;font-size:17px;font-weight:700}.section-intro{color:var(--ink-soft);max-width:720px;margin:4px 0 24px;font-family:Georgia,serif;font-size:15px;font-style:italic}.section p{color:var(--ink);margin:0 0 14px;font-size:16px;line-height:1.65}.section ul,.section ol{margin:12px 0 16px;padding-left:24px}.section li{margin-bottom:6px;line-height:1.55}.program-list{grid-template-columns:repeat(2,1fr);gap:16px;margin-top:18px;display:grid}.program{background:var(--cream-soft);border:1px solid var(--line);flex-direction:column;padding:18px 20px;display:flex}.program-header{margin-bottom:6px}.program h3{color:var(--navy);margin:0 0 3px;font-family:Georgia,serif;font-size:17px;font-weight:700}.program-agency{text-transform:uppercase;letter-spacing:.6px;color:var(--ink-soft);font-family:Arial,sans-serif;font-size:11px;display:block}.program p{color:var(--ink);flex:1;margin:8px 0 12px;font-size:14px;line-height:1.55}.program-link{text-transform:uppercase;letter-spacing:.4px;font-family:Arial,sans-serif;font-size:12px;font-weight:600}.how-list{counter-reset:step;margin:24px 0 0;padding:0;list-style:none}.how-list li{color:var(--ink);counter-increment:step;border-bottom:1px dotted var(--line);margin-bottom:0;padding-bottom:22px;padding-left:56px;font-size:16px;position:relative}.how-list li:last-child{border-bottom:0}.how-list li:before{content:counter(step, decimal-leading-zero);color:var(--navy);font-family:Georgia,serif;font-size:22px;font-weight:700;position:absolute;top:0;left:0}.data-table{border-collapse:collapse;width:100%;margin:12px 0 20px;font-size:14px}.data-table th{text-align:left;text-transform:uppercase;color:var(--navy);border-bottom:2px solid var(--navy);letter-spacing:.4px;background:var(--navy-bg);padding:8px 10px;font-family:Arial,sans-serif;font-size:11px}.data-table td{border-bottom:1px dotted var(--line);vertical-align:top;padding:10px}.data-table tr:last-child td{border-bottom:1px solid var(--line)}.data-table .num{text-align:right;white-space:nowrap;font-family:Georgia,serif;font-weight:700}.callout{background:var(--navy-pale);border-left:3px solid var(--navy);margin:18px 0;padding:14px 16px;font-size:14px}.callout strong{color:var(--navy)}.callout-amber{background:var(--accent-amber-bg);border-left:3px solid var(--accent-amber)}.callout-amber strong{color:var(--accent-amber)}.callout-green{background:var(--accent-green-bg);border-left:3px solid var(--accent-green)}.callout-green strong{color:var(--accent-green)}.source-note{color:var(--ink-soft);border-top:1px solid var(--line);margin-top:24px;padding-top:12px;font-family:Georgia,serif;font-size:12px;font-style:italic;line-height:1.55}.source-note a{color:var(--link)}.facts-box{background:var(--cream-soft);border:1px solid var(--navy);margin:16px 0 24px}.facts-box .facts-header{background:var(--navy);color:#fff;text-transform:uppercase;letter-spacing:1px;padding:6px 14px;font-family:Arial,sans-serif;font-size:11px}.facts-box .facts-body{padding:8px 14px}.facts-row{border-bottom:1px dotted var(--line);align-items:baseline;padding:6px 0;font-size:14px;display:flex}.facts-row:last-child{border-bottom:0}.facts-label{text-transform:uppercase;letter-spacing:.4px;color:var(--ink-soft);flex:0 0 150px;font-family:Arial,sans-serif;font-size:11px}.facts-value{flex:1}.disclosure{border:1px solid var(--line);background:var(--cream-soft);margin-top:26px;padding:22px 24px}.disclosure h3{color:var(--navy);text-transform:uppercase;letter-spacing:.6px;margin:0 0 14px;font-family:Georgia,serif;font-size:16px;font-weight:700}.disclosure ul{margin:0;padding-left:20px}.disclosure li{padding-bottom:10px;font-size:14px;line-height:1.6}.contact-block{margin:18px 0 8px;font-family:Georgia,serif;font-size:22px}.contact-block a{font-weight:700}.small{color:var(--ink-soft);font-size:13px}.feature-grid{grid-template-columns:repeat(3,1fr);gap:18px;margin-top:24px;display:grid}.feature-card{background:var(--cream-soft);border:1px solid var(--line);flex-direction:column;padding:22px 22px 24px;display:flex}.feature-card h3{color:var(--navy);margin:0 0 8px;font-family:Georgia,serif;font-size:19px;font-weight:700}.feature-card .feature-tag{text-transform:uppercase;letter-spacing:.8px;color:var(--ink-soft);margin-bottom:4px;font-family:Arial,sans-serif;font-size:10px}.feature-card p{color:var(--ink);flex:1;margin:0 0 14px;font-size:14px;line-height:1.55}.feature-card .read-more{text-transform:uppercase;letter-spacing:.4px;font-family:Arial,sans-serif;font-size:12px;font-weight:600;text-decoration:underline}.timeline{border-left:2px solid var(--navy);margin:24px 0;padding:0 0 0 18px;list-style:none}.timeline li{margin-bottom:18px;position:relative}.timeline li:before{content:"";background:var(--navy);border:3px solid var(--cream);width:12px;height:12px;box-shadow:0 0 0 1px var(--navy);border-radius:50%;position:absolute;top:4px;left:-25px}.timeline .date{text-transform:uppercase;letter-spacing:.5px;color:var(--ink-soft);margin-bottom:2px;font-family:Arial,sans-serif;font-size:11px;display:block}.timeline .label{color:var(--navy);font-family:Georgia,serif;font-size:15px;font-weight:700}.glossary{padding:0;list-style:none}.glossary dt{color:var(--navy);margin-top:16px;font-family:Georgia,serif;font-size:15px;font-weight:700}.glossary dd{color:var(--ink);margin:4px 0 0;font-size:14px}.notice{background:var(--accent-amber-bg);border-bottom:1px solid var(--accent-amber);color:var(--accent-amber);text-align:center;padding:8px 0;font-family:Arial,sans-serif;font-size:12px}.site-footer{background:var(--navy);color:#e8e0cf;padding:28px 0 22px;font-family:Arial,sans-serif;font-size:12px}.footer-grid{border-bottom:1px solid var(--navy-soft);grid-template-columns:2fr 1fr 1fr 1fr;gap:28px;padding-bottom:22px;display:grid}.footer-col h4{color:#fff;text-transform:uppercase;letter-spacing:.6px;margin:0 0 8px;font-family:Georgia,serif;font-size:14px;font-weight:700}.footer-col a{color:#d9cfb8;padding:2px 0;font-size:12px;text-decoration:none;display:block}.footer-col a:hover{color:#fff;text-decoration:underline}.footer-bottom{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px;padding-top:18px;display:flex}.footer-bottom .copyright{color:#e8e0cfa6;font-size:11px}.footer-disclaimer{color:#e8e0cfc7;max-width:760px;margin-top:16px;font-size:11px;line-height:1.55}@media (max-width:740px){body{font-size:16px}.hero{padding:40px 0 32px}.hero h1{font-size:30px}.hero .lede{font-size:16px}.section{padding:36px 0}.section h2{font-size:22px}.page-banner{padding:22px 0 18px}.page-banner h1{font-size:26px}.program-list{grid-template-columns:1fr;gap:12px}.feature-grid{grid-template-columns:1fr}.site-nav{gap:14px;font-size:12px}.brand-tag{display:none}.how-list li{padding-left:44px;font-size:15px}.container,.container-narrow{padding:0 16px}.footer-grid{grid-template-columns:1fr 1fr;gap:18px}.facts-label{flex:0 0 110px;font-size:10px}}.rate-strip{grid-template-columns:repeat(3,1fr);gap:16px;margin:22px 0 6px;display:grid}.rate-fact{background:var(--cream-soft);border:1px solid var(--line);padding:18px 20px}.rate-fact .num{color:var(--navy);font-family:Georgia,serif;font-size:34px;font-weight:700;line-height:1.1}.rate-fact .lbl{color:var(--ink-soft);margin-top:6px;font-size:12.5px;line-height:1.45}@media (max-width:740px){.rate-strip{grid-template-columns:1fr}.header-cta{display:none}}
