@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Source+Serif+4:opsz,wght@8..60,500;8..60,600;8..60,700&display=swap');

:root{
  --navy:#284b63;
  --deep:#1d3850;
  --body:#44596b;
  --muted:#728392;
  --line:#e4e9ed;
  --white:#ffffff;
  --tint:#f4f8fb;
  --tint-line:#dfe9f0;
  --cream:#fbf3e4;
  --cream-line:#eee0c4;
  --amber:#f4c05a;
  --amber-hover:#ecb447;
  --gold:#dfa03a;
  --max:1180px;
  --shadow-sm:0 14px 34px -22px rgba(29,56,80,.30);
  --shadow-lg:0 28px 64px -34px rgba(29,56,80,.32);
  --display:"Source Serif 4",Georgia,"Times New Roman",serif;
  --body-font:"DM Sans",ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  background:#fff;
  color:var(--body);
  font-family:var(--body-font);
  font-size:16px;
  line-height:1.62;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
a{color:var(--navy)}
a:hover{color:var(--gold)}
img{max-width:100%}
::selection{background:#fbe6b7;color:var(--deep)}
:focus-visible{outline:2px solid var(--navy);outline-offset:3px;border-radius:4px}
.wrap{width:min(calc(100% - 40px),var(--max));margin-inline:auto}
.skip{position:absolute;left:-9999px;top:auto}
.skip:focus{left:12px;top:12px;z-index:100;background:#fff;padding:10px 14px;border-radius:8px}

/* announcement / trust ribbon */
.ribbon{
  background:var(--deep);
  color:#c9d7e2;
  font-size:12.5px;
}
.ribbon-in{
  min-height:38px;
  display:flex;
  align-items:center;
  justify-content:center;
  gap:14px;
  text-align:center;
  flex-wrap:wrap;
  padding:7px 0;
}
.ribbon p{margin:0}
.ribbon a{color:var(--amber);font-weight:700;text-decoration:none}
.ribbon a:hover{color:#ffd27a;text-decoration:underline}

/* navigation */
.site-header{
  position:sticky;
  top:0;
  z-index:50;
  background:rgba(255,255,255,.97);
  backdrop-filter:blur(12px);
  border-bottom:1px solid var(--line);
}
.navbar{
  min-height:78px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
}
.brand{
  display:inline-flex;
  align-items:baseline;
  text-decoration:none;
  font-family:var(--display);
  font-size:28px;
  letter-spacing:-.02em;
  line-height:1;
  color:var(--navy);
}
.brand:hover{color:var(--navy)}
.brand-a{font-weight:700}
.brand-b{font-weight:500;color:#628096}
.navlinks{display:flex;align-items:center;gap:28px}
.navlinks a{
  text-decoration:none;
  font-size:14.5px;
  font-weight:500;
  color:#43596a;
}
.navlinks a:hover{color:var(--navy)}
.navlinks a[aria-current="page"]{color:var(--navy);font-weight:700}
.navlinks .nav-cta{
  white-space:nowrap;
  background:var(--amber);
  color:var(--deep);
  padding:12px 22px;
  border-radius:10px;
  font-weight:700;
  box-shadow:0 12px 28px -16px rgba(223,160,50,.62);
  transition:background .18s,transform .18s;
}
.navlinks .nav-cta:hover{
  background:var(--amber-hover);
  color:var(--deep);
  transform:translateY(-1px);
}
.menu-btn{
  display:none;
  border:1px solid var(--line);
  background:#fff;
  border-radius:10px;
  padding:10px 16px;
  font:700 14px var(--body-font);
  color:var(--navy);
}

/* type */
h1,h2,h3,.serif{
  font-family:var(--display);
  margin:0;
  color:var(--navy);
  letter-spacing:-.018em;
}
h1{
  font-size:clamp(44px,5.35vw,72px);
  line-height:1.055;
  font-weight:600;
  text-wrap:balance;
}
h2{
  font-size:clamp(31px,3.55vw,46px);
  line-height:1.12;
  font-weight:600;
  text-wrap:balance;
}
h3{font-weight:600}
p{text-wrap:pretty}
.lede{
  margin:24px 0 0;
  font-size:clamp(16.5px,1.5vw,19px);
  line-height:1.7;
  color:var(--body);
  max-width:635px;
}
.eyebrow{
  display:inline-flex;
  align-items:center;
  gap:8px;
  margin:0 0 22px;
  padding:8px 14px;
  border:1px solid var(--cream-line);
  border-radius:999px;
  background:var(--cream);
  color:var(--navy);
  font-family:var(--body-font);
  font-size:11px;
  font-weight:700;
  letter-spacing:.105em;
  text-transform:uppercase;
}
.eyebrow::before{
  content:"";
  width:5px;
  height:5px;
  border-radius:50%;
  background:var(--gold);
}

/* actions */
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:31px}
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:9px;
  min-height:54px;
  padding:15px 28px;
  border-radius:10px;
  text-decoration:none;
  font-weight:700;
  font-size:15px;
  border:1px solid transparent;
  transition:transform .18s,box-shadow .18s,background .18s,border-color .18s;
}
.btn:hover{transform:translateY(-1px)}
.btn-primary{
  background:var(--amber);
  color:var(--deep);
  box-shadow:0 14px 28px -18px rgba(223,160,50,.75);
}
.btn-primary:hover{background:var(--amber-hover);color:var(--deep)}
.btn-secondary{
  background:#fff;
  color:var(--navy);
  border-color:#d6dee5;
}
.btn-secondary:hover{border-color:#aab9c5;color:var(--navy)}

/* hero */
.hero{
  position:relative;
  padding:70px 0 88px;
  overflow:clip;
  background:#fff;
}
.hero-grid{
  display:grid;
  grid-template-columns:1.05fr .95fr;
  gap:70px;
  align-items:center;
}
.band{
  display:flex;
  flex-wrap:wrap;
  gap:10px 18px;
  margin-top:30px;
}
.pill{
  position:relative;
  padding-left:18px;
  font-size:13.5px;
  font-weight:600;
  color:var(--body);
}
.pill::before{
  content:"✓";
  position:absolute;
  left:0;
  color:var(--gold);
  font-weight:700;
}

.hero-card{
  background:#fff;
  border:1px solid var(--line);
  border-radius:18px;
  padding:32px;
  box-shadow:var(--shadow-lg);
}
.hero-card h3{
  font-size:clamp(25px,2.3vw,31px);
  line-height:1.15;
}
.hero-card > p:not(.eyebrow){
  margin:12px 0 20px;
  color:var(--muted);
  font-size:14.5px;
}
.hero-card .eyebrow{margin-bottom:18px}

/* question rows: current homepage markup, visually upgraded */
.hero-card .list{
  border:0;
  display:grid;
  gap:10px;
}
.hero-card .list-row{
  display:grid;
  grid-template-columns:40px 1fr auto;
  gap:14px;
  align-items:center;
  padding:15px 16px;
  border:1px solid var(--tint-line);
  border-radius:12px;
  background:var(--tint);
  transition:background .18s,border-color .18s,transform .18s;
}
.hero-card .list-row:hover{
  background:#edf5fa;
  border-color:#cfdfea;
  transform:translateY(-1px);
}
.hero-card .list-row .n{
  width:36px;
  height:36px;
  border-radius:50%;
  display:grid;
  place-items:center;
  background:#fff;
  border:1px solid var(--tint-line);
  color:var(--gold);
  font-family:var(--display);
  font-size:14px;
  font-weight:600;
}
.hero-card .list-row h3{
  font-family:var(--body-font);
  font-size:14px;
  line-height:1.35;
  font-weight:700;
}
.hero-card .list-row p{
  margin:3px 0 0;
  color:var(--muted);
  font-size:12.3px;
  line-height:1.45;
}
.hero-card .list-row a{
  padding:0;
  background:transparent;
  color:var(--gold);
  font-size:0;
  font-weight:700;
}
.hero-card .list-row a::after{
  content:"→";
  font-size:17px;
  transition:transform .18s;
  display:block;
}
.hero-card .list-row:hover a::after{transform:translateX(3px)}

/* homepage stat band */
.statband{
  background:var(--cream);
  border-top:1px solid var(--cream-line);
  border-bottom:1px solid var(--cream-line);
  padding:54px 0;
}
.statband-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:34px;
}
.stat strong{
  display:block;
  font-family:var(--display);
  font-size:clamp(38px,3.8vw,54px);
  line-height:1;
  font-weight:600;
  color:var(--navy);
}
.stat span{
  display:block;
  margin-top:9px;
  max-width:230px;
  color:#786b5c;
  font-size:13px;
  line-height:1.55;
}

/* sections */
.section{
  padding:94px 0;
  border-top:0;
  background:#fff;
}
.section.alt{
  background:#fff;
  border-top:1px solid var(--line);
  border-bottom:1px solid var(--line);
}
.home-paths .wrap{
  display:block;
}
.home-paths .wrap > .eyebrow,
.home-paths .wrap > h2,
.home-paths .wrap > .section-lede{
  display:block;
  margin-left:auto;
  margin-right:auto;
  text-align:center;
}
.home-paths .wrap > .eyebrow{
  width:max-content;
}
.home-paths .wrap > .section-lede{
  max-width:640px;
  margin-top:18px;
}
.section-grid{
  display:grid;
  grid-template-columns:.9fr 1.1fr;
  gap:72px;
  align-items:start;
}
.section-lede{
  margin:18px 0 0;
  color:var(--muted);
  font-size:16.2px;
  line-height:1.67;
  max-width:620px;
}
.framework-section{
  background:var(--tint);
  border-top:1px solid var(--tint-line);
  border-bottom:1px solid var(--tint-line);
}

/* cards */
.cards{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:18px;
}
.home-paths .cards{margin-top:54px!important}
.card{
  background:#fff;
  border:1px solid var(--line);
  border-radius:14px;
  padding:33px;
  display:flex;
  flex-direction:column;
  align-items:flex-start;
  gap:14px;
  min-height:260px;
  box-shadow:none;
  transition:transform .22s,box-shadow .22s,border-color .22s;
}
.card:hover{
  transform:translateY(-3px);
  box-shadow:var(--shadow-sm);
  border-color:#d7e0e7;
}
.card .kicker{
  color:var(--gold);
  background:transparent;
  border-radius:0;
  padding:0;
  font-size:11px;
  font-weight:800;
  letter-spacing:.13em;
  text-transform:uppercase;
}
.card h3{
  margin:0;
  font-size:clamp(22px,2vw,27px);
  line-height:1.18;
}
.card p{
  margin:0;
  color:var(--muted);
  font-size:14.2px;
  line-height:1.65;
  flex:1;
}
.card-link{
  display:inline-flex;
  align-items:center;
  gap:7px;
  margin-top:5px;
  color:var(--navy);
  font-size:14px;
  font-weight:700;
  text-decoration:none;
}
.card-link:hover{color:var(--gold);text-decoration:none}

/* generic lists / framework */
.list{border-top:0}
.section-grid > .list{
  display:grid;
  gap:12px;
}
.section-grid > .list .list-row{
  display:grid;
  grid-template-columns:52px 1fr auto;
  gap:20px;
  align-items:center;
  padding:25px 27px;
  border:1px solid var(--tint-line);
  border-radius:14px;
  background:#fff;
}
.section-grid > .list .n{
  width:52px;
  height:52px;
  border-radius:50%;
  display:grid;
  place-items:center;
  background:var(--cream);
  border:1px solid var(--cream-line);
  color:var(--navy);
  font-family:var(--display);
  font-weight:600;
}
.section-grid > .list h3{
  font-size:19px;
  line-height:1.25;
}
.section-grid > .list p{
  margin:6px 0 0;
  color:var(--muted);
  font-size:14.2px;
  line-height:1.6;
}
.section-grid > .list a{
  white-space:nowrap;
  padding:10px 16px;
  border:1px solid #d5dde5;
  border-radius:9px;
  background:#fff;
  color:var(--navy);
  font-size:13px;
  font-weight:700;
  text-decoration:none;
}
.section-grid > .list a:hover{
  border-color:var(--navy);
  color:var(--navy);
}

/* CTA */
.callout{
  background:var(--deep);
  color:#fff;
  border-radius:20px;
  padding:60px 64px;
  display:grid;
  grid-template-columns:1fr auto;
  gap:42px;
  align-items:center;
  box-shadow:none;
  border:0;
}
.callout h2{
  color:#fff;
  font-size:clamp(29px,3.2vw,42px);
}
.callout p{
  margin:15px 0 0;
  color:#b8cad8;
  max-width:650px;
  font-size:15.5px;
  line-height:1.65;
}
.callout .btn{
  background:#fff;
  color:var(--deep);
  border-color:#fff;
}

/* long-form & policy pages */
.article{
  max-width:920px;
  margin:0 auto;
  background:#fff;
}
.article h1{
  font-size:clamp(40px,4.7vw,62px);
  line-height:1.08;
}
.article h2{
  font-family:var(--display);
  font-size:clamp(24px,2.5vw,31px);
  margin:44px 0 14px;
  color:var(--navy);
}
.article h3{font-size:18px;margin:28px 0 8px}
.article p,.article li{
  color:var(--body);
  font-size:15.5px;
  line-height:1.78;
}
.article ul{padding-left:22px}
.meta{font-size:12.5px;color:var(--muted);margin-top:13px}
.notice{
  background:var(--cream);
  border:1px solid var(--cream-line);
  border-radius:12px;
  padding:20px 24px;
  margin:26px 0 30px;
  color:#5b5246;
  font-size:14px;
  line-height:1.7;
}
.table-wrap{
  overflow:auto;
  border:1px solid var(--line);
  border-radius:14px;
  background:#fff;
}
table{width:100%;border-collapse:collapse;min-width:680px}
th,td{
  padding:16px 18px;
  text-align:left;
  border-bottom:1px solid var(--line);
  vertical-align:top;
  font-size:14px;
}
th{
  background:var(--cream);
  font-size:11px;
  text-transform:uppercase;
  letter-spacing:.08em;
  color:var(--navy);
  font-weight:700;
}
tr:last-child td{border-bottom:0}

/* FAQ */
.faq{border-top:1px solid var(--line)}
details{padding:19px 0;border-bottom:1px solid var(--line)}
summary{cursor:pointer;list-style:none;font-weight:700;color:var(--navy)}
summary::-webkit-details-marker{display:none}
details p{color:var(--muted);font-size:14px;max-width:820px}

/* footer */
.site-footer{
  background:var(--deep);
  color:#c2d2e0;
  padding:70px 0 40px;
  border-top:0;
}
.footer-grid{
  display:grid;
  grid-template-columns:1.3fr .7fr .7fr;
  gap:48px;
}
.footer-brand p,
.footer-grid > div:first-child p{
  margin:18px 0 0;
  font-size:13.5px;
  line-height:1.7;
  color:#9fb3c4;
  max-width:380px;
}
.brand-foot{font-size:27px;color:#fff}
.brand-foot:hover{color:#fff}
.brand-foot .brand-a{color:#fff}
.brand-foot .brand-b{color:#e8c983}
.footer-grid h4{
  font-family:var(--body-font);
  font-size:11px;
  text-transform:uppercase;
  letter-spacing:.12em;
  margin:0 0 16px;
  color:#8ba3b8;
}
.footer-links{display:grid;gap:9px}
.footer-links a{
  font-size:13px;
  color:#d1deea;
  text-decoration:none;
}
.footer-links a:hover{color:#fff}
.copyright{
  margin-top:40px;
  padding-top:20px;
  border-top:1px solid rgba(255,255,255,.13);
  display:flex;
  justify-content:space-between;
  gap:20px;
  flex-wrap:wrap;
  font-size:11.5px;
  color:#7f9aaf;
}

@media(max-width:980px){
  .hero-grid,.section-grid{grid-template-columns:1fr;gap:42px}
  .statband-grid{grid-template-columns:repeat(2,1fr)}
  .cards{grid-template-columns:1fr}
  .callout{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:700px){
  .wrap{width:min(calc(100% - 28px),var(--max))}
  .ribbon{font-size:11.5px}
  .navbar{min-height:66px}
  .brand{font-size:25px}
  .menu-btn{display:block}
  .navlinks{
    display:none;
    position:absolute;
    left:14px;right:14px;top:70px;
    padding:16px;
    background:#fff;
    border:1px solid var(--line);
    border-radius:12px;
    box-shadow:var(--shadow-sm);
    flex-direction:column;
    align-items:stretch;
    gap:8px;
  }
  .navlinks.open{display:flex}
  .navlinks a{padding:8px}
  .navlinks .nav-cta{text-align:center}
  .hero{padding:46px 0 58px}
  h1{font-size:46px}
  .lede{font-size:17px}
  .hero-card{padding:22px}
  .hero-card .list-row{grid-template-columns:36px 1fr auto;padding:13px}
  .statband{padding:42px 0}
  .statband-grid{grid-template-columns:1fr 1fr;gap:26px 18px}
  .section{padding:66px 0}
  .section-grid > .list .list-row{grid-template-columns:46px 1fr;padding:20px}
  .section-grid > .list a{grid-column:2;justify-self:start}
  .callout{padding:34px 28px}
  .footer-grid{grid-template-columns:1fr}
}


/* ---------- Programs / live offers ---------- */

.offer-note{
  display:flex;
  align-items:flex-start;
  gap:12px;
  padding:16px 18px;
  border:1px solid var(--cream-line);
  border-radius:12px;
  background:var(--cream);
  color:#655a4d;
  font-size:13px;
  line-height:1.6;
}
.offer-note strong{color:var(--navy)}

.program-compare{
  margin-top:34px;
  border:1px solid var(--line);
  border-radius:16px;
  overflow:hidden;
  background:#fff;
}
.program-compare-row{
  display:grid;
  grid-template-columns:1.05fr 1.35fr .9fr .55fr;
  gap:18px;
  align-items:center;
  padding:18px 22px;
  border-bottom:1px solid var(--line);
}
.program-compare-row:last-child{border-bottom:0}
.program-compare-head{
  background:var(--tint);
  color:var(--navy);
  font-size:10.5px;
  font-weight:800;
  letter-spacing:.09em;
  text-transform:uppercase;
}
.program-compare-row:not(.program-compare-head):hover{background:#fcfdfd}
.program-compare-name{
  display:flex;
  flex-direction:column;
  gap:3px;
}
.program-compare-name strong{
  color:var(--navy);
  font-family:var(--display);
  font-size:18px;
  line-height:1.1;
}
.program-compare-name span,
.program-compare-row > span{
  color:var(--muted);
  font-size:12.5px;
  line-height:1.45;
}
.program-price{
  color:var(--navy)!important;
  font-weight:700;
}
.program-compare-row .mini-cta{
  justify-self:end;
}

.mini-cta{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:40px;
  padding:9px 14px;
  border-radius:9px;
  background:var(--amber);
  color:var(--deep);
  text-decoration:none;
  font-size:12.5px;
  font-weight:800;
  white-space:nowrap;
}
.mini-cta:hover{background:var(--amber-hover);color:var(--deep)}

.offer-grid{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:20px;
  margin-top:34px;
}
.offer-card{
  display:flex;
  flex-direction:column;
  min-height:100%;
  padding:30px;
  border:1px solid var(--line);
  border-radius:16px;
  background:#fff;
  box-shadow:var(--shadow-sm);
}
.offer-card-top{
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap:16px;
}
.offer-brand{
  display:flex;
  gap:13px;
  align-items:center;
}
.offer-mark{
  width:48px;
  height:48px;
  flex:0 0 48px;
  display:grid;
  place-items:center;
  border:1px solid var(--cream-line);
  border-radius:50%;
  background:var(--cream);
  color:var(--navy);
  font-family:var(--display);
  font-size:17px;
  font-weight:700;
}
.offer-brand h3{
  font-size:25px;
  line-height:1.08;
}
.offer-type{
  display:block;
  margin-top:4px;
  color:var(--muted);
  font-size:11.5px;
  font-weight:600;
}
.offer-badge{
  padding:6px 9px;
  border:1px solid var(--tint-line);
  border-radius:999px;
  background:var(--tint);
  color:var(--navy);
  font-size:10px;
  font-weight:800;
  white-space:nowrap;
}
.offer-summary{
  margin:22px 0 0;
  color:var(--body);
  font-size:14px;
  line-height:1.66;
}
.offer-details{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:12px;
  margin-top:22px;
}
.offer-detail{
  padding:14px;
  border:1px solid var(--line);
  border-radius:11px;
  background:#fff;
}
.offer-detail small{
  display:block;
  color:var(--muted);
  font-size:9.5px;
  font-weight:800;
  letter-spacing:.08em;
  text-transform:uppercase;
}
.offer-detail strong{
  display:block;
  margin-top:4px;
  color:var(--navy);
  font-size:12.5px;
  line-height:1.45;
}
.offer-features{
  margin:22px 0 0;
  padding:0;
  list-style:none;
  display:grid;
  gap:9px;
}
.offer-features li{
  position:relative;
  padding-left:20px;
  color:var(--body);
  font-size:13px;
  line-height:1.5;
}
.offer-features li::before{
  content:"✓";
  position:absolute;
  left:0;
  color:var(--gold);
  font-weight:800;
}
.offer-take{
  margin-top:22px;
  padding-top:18px;
  border-top:1px solid var(--line);
  color:var(--muted);
  font-size:12.5px;
  line-height:1.58;
}
.offer-take strong{color:var(--navy)}
.offer-card .btn{
  width:100%;
  margin-top:auto;
  padding-top:14px;
  padding-bottom:14px;
}

.offer-source-date{
  margin-top:18px;
  color:var(--muted);
  font-size:11.5px;
}

@media(max-width:850px){
  .program-compare{border:0;background:transparent}
  .program-compare-head{display:none}
  .program-compare-row{
    grid-template-columns:1fr;
    gap:8px;
    margin-bottom:12px;
    padding:18px;
    border:1px solid var(--line);
    border-radius:12px;
    background:#fff;
  }
  .program-compare-row .mini-cta{justify-self:start}
  .offer-grid{grid-template-columns:1fr}
}
@media(max-width:560px){
  .offer-card{padding:22px}
  .offer-card-top{flex-direction:column}
  .offer-details{grid-template-columns:1fr}
}