:root{color-scheme:light;--navy:#0b2031;--navy-soft:#173245;--red:#b22435;--red-dark:#941b2b;--ink:#182c3c;--muted:#526574;--line:#dbe3e9;--paper:#f3f6f8;--radius:12px}
    *{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;background:#fff;color:var(--ink);font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;font-size:16px;line-height:1.55}a{color:inherit;text-underline-offset:4px}button,input,textarea{font:inherit}button,a,input,textarea,summary{-webkit-tap-highlight-color:transparent}button,a,summary{touch-action:manipulation}button{cursor:pointer}button:disabled{cursor:default}a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,textarea:focus-visible{outline:3px solid #bc6370;outline-offset:4px}h1,h2,h3,p{margin:0}h1,h2{font-family:Georgia,"Times New Roman",serif;letter-spacing:-.035em;font-weight:400;line-height:1.1}h1{font-size:clamp(2.2rem,5vw,4.1rem)}h2{font-size:clamp(1.9rem,3.2vw,2.8rem)}h3{font-size:1.1rem;line-height:1.35}img{display:block;max-width:100%}[hidden]{display:none!important}.wrap{width:min(1160px,calc(100% - 48px));margin-inline:auto}.skip{position:absolute;top:8px;left:-1000px;z-index:100;background:white;padding:12px}.skip:focus{left:12px}.eyebrow{font-size:.8rem;font-weight:750;letter-spacing:.11em;text-transform:uppercase}.button{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:50px;padding:12px 20px;border:1px solid transparent;border-radius:7px;font-weight:700;text-decoration:none;text-align:center;line-height:1.35;white-space:normal}.primary{background:var(--red);color:#fff}.primary:hover{background:var(--red-dark)}.secondary{background:#fff;border-color:var(--line);color:var(--ink)}.secondary:hover{background:var(--paper)}.muted{color:var(--muted)}
    .preview-bar{background:#edf1f4;color:#344b5b;border-bottom:1px solid var(--line);font-size:.75rem}.preview-bar .wrap{display:flex;justify-content:space-between;align-items:center;gap:12px;min-height:34px;padding-block:5px}.preview-bar a{min-height:28px;display:inline-flex;align-items:center}.masthead{background:#fff}.masthead .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-block:20px}.brand{display:flex;align-items:center;gap:14px;text-decoration:none}.brand-word{font-weight:900;font-size:1.5rem;letter-spacing:-.05em;color:var(--red);border-right:1px solid var(--line);padding-right:14px}.brand-text{display:grid;gap:2px;line-height:1.3}.brand-text strong{font-size:.94rem}.brand-text span{font-size:.78rem;color:var(--muted)}.masthead-note{color:var(--muted);font-size:.88rem}
    .intro{background:var(--navy);color:#fff;padding-block:44px 48px}.intro-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(340px,440px);gap:clamp(36px,5.5vw,88px);align-items:start}.intro-copy{padding-top:10px}.intro-copy .eyebrow{color:#f0b4bd;margin-bottom:15px}.intro-copy h1{max-width:640px}.hero-line{font-size:clamp(1.06rem,1.75vw,1.32rem);color:#d2dde5;margin-top:16px;max-width:480px}.coverage{list-style:none;padding:0;margin:26px 0 24px;display:grid;gap:0;max-width:510px}.coverage li{display:flex;align-items:center;gap:13px;min-height:43px;font-size:1.07rem;font-weight:600;border-bottom:1px solid #2b4253;padding:7px 0}.coverage li:last-child{border-bottom:0}.coverage .tick{flex:none;display:grid;place-items:center;width:20px;height:20px;border-radius:50%;background:#344351;color:#ffc3cc;font-size:.78rem}.hero-action{display:flex;align-items:center;gap:18px;flex-wrap:wrap}.hero-action .quiet{color:#cfdae2;font-size:.84rem}.advisor{display:flex;align-items:center;gap:20px;max-width:510px;border-top:1px solid #314656;padding-top:24px;margin-top:28px}.advisor img{width:108px;height:125px;object-fit:cover;object-position:50% 54%;border-radius:7px;flex:none;background:#111}.advisor .role{font-size:.8rem;color:#becdd8;margin-bottom:4px}.advisor strong{font-family:Georgia,"Times New Roman",serif;font-size:1.45rem;font-weight:400;line-height:1.2}.advisor .agency{font-size:.86rem;color:#c1d0db;margin-top:5px}.advisor .values{font-size:.79rem;color:#c1d0db;margin-top:10px}.advisor .values span{color:#edb3bd}
    .lead-panel{padding:26px 28px 22px;background:#fff;color:var(--ink);border-radius:var(--radius);box-shadow:0 20px 55px #0003;scroll-margin-top:24px}.lead-panel .eyebrow{color:var(--red);margin-bottom:9px}.lead-panel h2{font-size:1.9rem}.form-intro{margin-top:10px;color:var(--muted);font-size:.94rem}.field{display:block;margin-top:17px;font-size:.875rem;font-weight:650}.optional{color:var(--muted);font-weight:400}.phone-field{padding:14px;border:1px solid #bccad3;border-left:4px solid var(--red);border-radius:6px;background:#f4f7f9;font-size:1rem}.phone-required{display:block;margin-top:2px;color:var(--red);font-size:.875rem;font-weight:650}.phone-help{display:block;margin-top:7px;color:var(--muted);font-size:.875rem;font-weight:400;line-height:1.45}.field input,.field textarea{display:block;width:100%;min-height:48px;padding:11px 12px;margin-top:6px;border:1px solid #bccad3;border-radius:6px;background:#fff;color:var(--ink);font-size:1rem;line-height:1.4}.field input:hover,.field textarea:hover{border-color:#8fa4b3}.field textarea{min-height:88px;resize:vertical}.field input[aria-invalid=true]{border-color:#a32032}.message-toggle{margin-top:15px}.message-toggle summary{padding:7px 0;color:var(--muted);font-size:.875rem;cursor:pointer;min-height:40px}.message-toggle[open] .field{margin-top:4px}.consent-row{display:grid;grid-template-columns:20px 1fr;gap:10px;align-items:start;margin-top:18px;font-size:.8rem;color:var(--muted);line-height:1.55}.consent-row input{width:19px;height:19px;margin:3px 0 0;accent-color:var(--red)}.consent-row label{cursor:pointer}.consent-row a{color:var(--ink)}.form-submit{width:100%;margin-top:19px;font-size:.97rem}.demo-note{color:var(--muted);font-size:.75rem;text-align:center;margin-top:10px}.form-error{color:#a32032;font-size:.86rem;margin-top:12px}.confirmation{padding:8px 0 6px}.confirmation-mark{display:grid;place-items:center;width:44px;height:44px;background:#e6f3ec;color:#256b45;border-radius:50%;margin-bottom:16px;font-size:1.25rem}.confirmation p{color:var(--muted);margin:14px 0}.confirmation .button{width:100%}.noscript{background:#fff2dc;color:#473010;padding:12px;font-size:.875rem}
    .after-note{padding-block:19px;border-bottom:1px solid var(--line);background:#fff}.after-note .wrap{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:30px}.after-note p{font-size:.88rem}.after-note strong{font-weight:700;display:block;margin-bottom:2px}.after-note span{color:var(--muted)}.examples{padding-block:64px;background:var(--paper)}.section-heading{max-width:700px;margin-bottom:28px}.section-heading .eyebrow{color:var(--red);margin-bottom:10px}.section-heading p:not(.eyebrow){color:var(--muted);margin-top:13px}.example-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}.example{background:#fff;padding:22px;border:1px solid var(--line);border-radius:var(--radius);min-width:0}.example .topic{font-size:.75rem;color:var(--red);font-weight:750;letter-spacing:.08em;text-transform:uppercase;display:block;margin-bottom:18px}.example p{font-size:.94rem;color:var(--muted);margin-top:9px}.coverage-note{font-size:.79rem;line-height:1.6;color:var(--muted);max-width:850px;margin-top:21px}.example-cta{margin-top:24px}.next{padding-block:56px}.next-grid{display:grid;grid-template-columns:1fr 1fr;gap:54px}.next h2{font-size:2.25rem}.steps{list-style:none;display:grid;gap:19px;padding:0;margin:0}.steps li{display:flex;align-items:flex-start;gap:15px}.step-no{color:var(--red);font-size:.8rem;letter-spacing:.07em;font-weight:750;border-bottom:1px solid #d9aeb5;padding-bottom:7px;margin-top:2px}.steps strong{display:block;font-size:1rem}.steps p{color:var(--muted);font-size:.93rem;margin-top:3px}.closing{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:24px;margin-top:36px;display:flex;align-items:center;justify-content:space-between;gap:26px}.closing h3{font-family:Georgia,"Times New Roman",serif;font-size:1.5rem;font-weight:400}.closing p{color:var(--muted);font-size:.92rem;margin-top:7px;max-width:640px}.closing a{flex-shrink:0}.footer{background:var(--navy);color:#c1ced8;padding-block:29px}.footer .wrap{display:flex;align-items:flex-start;justify-content:space-between;gap:30px}.footer strong{color:#fff;font-size:.95rem}.footer address{font-style:normal;font-size:.83rem;margin-top:7px;line-height:1.6}.footer nav{display:flex;gap:20px;flex-wrap:wrap;font-size:.84rem}.footer a{padding:7px 0;display:inline-block}.footer-contact{margin-top:8px;font-size:.875rem}.mobile-dock{display:none}
    @media(max-width:950px){.intro-grid{gap:30px;grid-template-columns:minmax(0,1fr) minmax(320px,.95fr)}.intro-copy h1{font-size:3rem}.example-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.closing{align-items:flex-start;flex-direction:column}.masthead-note{display:none}}
    @media(max-width:760px){body{padding-bottom:82px}.wrap{width:calc(100% - 36px)}.preview-bar .wrap{font-size:.72rem;gap:10px}.brand{gap:10px}.brand-word{font-size:1.35rem;padding-right:10px}.brand-text strong{font-size:.87rem}.brand-text span{font-size:.76rem}.masthead .wrap{padding-block:14px}.intro{padding-block:26px 32px}.intro-grid{display:flex;flex-direction:column;gap:28px}.intro-copy{padding:0;width:100%}.intro-copy .eyebrow{font-size:.73rem;letter-spacing:.08em;margin-bottom:11px}.intro-copy h1{font-size:clamp(2rem,8.3vw,2.7rem)}.hero-line{font-size:1.05rem;margin-top:10px;max-width:380px}.coverage{margin:16px 0 18px;max-width:none}.coverage li{font-size:1rem;min-height:36px;padding:6px 0}.hero-action{gap:0}.hero-action .button{width:100%}.hero-action .quiet{display:none}.advisor{padding-top:17px;margin-top:21px;gap:16px;max-width:none}.advisor img{width:76px;height:86px}.advisor strong{font-size:1.28rem}.advisor .role{font-size:.77rem}.advisor .agency{font-size:.8rem;margin-top:3px}.advisor .values{font-size:.76rem;margin-top:6px}.lead-panel{width:100%;padding:23px 20px 21px;border-radius:10px}.lead-panel h2{font-size:1.8rem}.form-intro{font-size:.93rem}.after-note{padding-block:23px}.after-note .wrap{grid-template-columns:1fr;gap:13px}.after-note strong{display:inline;margin-right:5px}.examples{padding-block:38px}.section-heading{margin-bottom:23px}.section-heading h2{font-size:2rem}.example-grid{grid-template-columns:1fr;gap:10px}.example{padding:19px}.example .topic{margin-bottom:8px}.example p{font-size:1rem}.example-cta .button{width:100%}.next{padding-block:38px}.next-grid{grid-template-columns:1fr;gap:22px}.next h2{font-size:2rem}.closing{padding:20px;margin-top:29px;gap:18px}.closing .button{width:100%}.footer .wrap{display:block}.footer nav{margin-top:20px;gap:24px}.footer-contact{margin-top:10px}.mobile-dock{display:block;position:fixed;bottom:0;left:0;right:0;padding:10px 18px calc(10px + env(safe-area-inset-bottom,0px));background:#fffffff5;border-top:1px solid var(--line);z-index:15;box-shadow:0 -5px 20px #0b203110}.mobile-dock .button{width:100%;min-height:48px}.mobile-dock[hidden]{display:none}}
    @media(max-width:355px){.wrap{width:calc(100% - 28px)}.lead-panel{padding-inline:16px}.brand-text strong{font-size:.8rem}.preview-bar .wrap{flex-wrap:wrap;gap:0}.advisor .values{font-size:.72rem}.button{padding-inline:12px}}
    @media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
    @media print{body{padding:0}.preview-bar,.mobile-dock{display:none}.intro{background:#fff;color:#182c3c}.intro-copy .eyebrow,.hero-line,.advisor .role,.advisor .agency,.advisor .values{color:#182c3c}.lead-panel{box-shadow:none;border:1px solid #dbe3e9}.intro-grid{display:block}.lead-panel{margin-top:24px}.coverage li{border-color:#dbe3e9}.footer{background:#fff;color:#182c3c}.footer strong{color:#182c3c}}
.cookie-settings{border:0;background:transparent;color:inherit;text-decoration:underline;padding:0;cursor:pointer;font:inherit}.cookie-settings:hover{color:#fff}.cookie-banner{position:fixed;z-index:1000;left:clamp(1rem,3vw,2rem);right:clamp(1rem,3vw,2rem);bottom:clamp(1rem,3vw,2rem);max-width:880px;margin:auto;padding:1.25rem 1.4rem;background:#fff;color:var(--ink);border-top:4px solid var(--red);box-shadow:0 18px 70px rgba(0,0,0,.3);display:grid;grid-template-columns:1fr auto;gap:1.5rem;align-items:center}.cookie-banner[hidden]{display:none}.cookie-copy strong{font-family:Georgia,"Times New Roman",serif;font-size:1.35rem}.cookie-copy p{margin:.35rem 0 0;color:var(--muted);font-size:.9rem;line-height:1.5}.cookie-copy a{color:var(--red)}.cookie-actions{display:flex;gap:.65rem}.cookie-actions button{min-height:46px;padding:.65rem 1rem;border-radius:3px;font-weight:800;cursor:pointer}.cookie-decline{background:#fff;color:var(--ink);border:1px solid #aeb9c1}.cookie-accept{background:var(--red);color:#fff;border:1px solid var(--red)}.cookie-actions button:focus-visible,.cookie-settings:focus-visible{outline:3px solid rgba(178,36,53,.35);outline-offset:3px}@media(max-width:700px){.cookie-banner{bottom:74px;grid-template-columns:1fr;gap:1rem;padding:1.1rem}.cookie-actions{display:grid;grid-template-columns:1fr 1fr}.cookie-actions button{width:100%}footer>div:last-child{flex-wrap:wrap}}
.trap{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}
    .family-topics{border-bottom:1px solid var(--line)}.topic-question{border-top:1px solid var(--line);padding:4px 0}.topic-question:last-of-type{border-bottom:1px solid var(--line)}.topic-question summary{padding:16px 0;cursor:pointer;font-size:1rem;font-weight:700;line-height:1.5}.topic-question p{max-width:780px;padding:0 0 20px;color:var(--muted);font-size:1rem}.family-topics .section-heading{margin-bottom:20px}
  
.article-hero{background:var(--navy);color:#fff;padding:48px 0}.article-hero .eyebrow{color:#f0b4bd;margin:18px 0 12px}.article-hero h1{max-width:980px;font-size:clamp(2.1rem,4vw,3.3rem);overflow-wrap:anywhere}.article-hero p:not(.eyebrow){max-width:780px;color:#d2dde5;margin-top:20px}.breadcrumb{font-size:.85rem;color:#d2dde5}.article-content{max-width:820px;padding-block:42px 54px}.article-content section{margin-bottom:36px}.article-content h2{font-size:clamp(1.7rem,3vw,2.1rem);margin-bottom:16px}.article-content p{margin:12px 0;color:var(--muted)}.article-content .closing{display:block}.article-content .closing .button{margin-top:18px}.related-links{display:flex;flex-wrap:wrap;gap:12px 24px;margin-top:18px}.article-content .coverage-note{font-size:.85rem}.article-content .topic-question p{margin-top:0}.article-hero .breadcrumb a{display:inline-block;min-height:30px}.article-content .source-note{font-size:.85rem;border-top:1px solid var(--line);padding-top:18px}.article-content .source-note a{overflow-wrap:anywhere}