:root{--navy:#17354c;--ink:#20394f;--muted:#597083;--blue:#0866c6;--teal:#087e76;--paper:#fff;--line:#dce5ec;--wash:#f2f6fa;--error:#ab2636;--blue-wash:#edf5ff;--teal-wash:#e9f5f2;color-scheme:light;font-family:'Segoe UI',Arial,sans-serif;font-size:16px;font-synthesis:none}
*{box-sizing:border-box}body{margin:0;background:var(--wash);color:var(--ink);line-height:1.55}button,input,textarea,select{font:inherit}button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}button:disabled{cursor:default}a{color:var(--blue)}:focus-visible{outline:3px solid #16988e;outline-offset:4px}h1:focus{outline:none}button:disabled{opacity:.45}button:disabled:focus-visible{outline:none}.skip-link{position:absolute;left:16px;top:-80px;background:var(--navy);color:white;padding:12px 18px;z-index:9}.skip-link:focus{top:10px}.masthead{max-width:1200px;margin:auto;display:flex;justify-content:space-between;align-items:center;padding:28px 32px;gap:20px}.brand{color:var(--navy);display:flex;align-items:center;gap:14px;text-decoration:none}.brand-mark{font-size:35px;font-weight:800;letter-spacing:-2.5px;line-height:1}.brand-sub{border-left:1px solid #bacbd8;padding-left:14px;font-size:11px;font-weight:700;letter-spacing:2.8px;line-height:1.8}.brand-sub span{display:block;font-size:8px;letter-spacing:1.5px;font-weight:500;color:var(--muted)}.header-contact{text-align:right;display:flex;flex-direction:column;gap:2px}.header-contact>span{font-size:12px;color:var(--muted)}.header-contact a{font-weight:700;text-decoration:none;font-size:17px}.header-contact a span{margin-left:10px}.test-banner{display:flex;justify-content:center;align-items:center;flex-wrap:wrap;gap:6px 9px;padding:10px 24px;background:#e6eef6;color:#36566e;font-size:12px;border-block:1px solid #d6e2ec}.test-dot{width:6px;height:6px;border-radius:50%;background:#477591;flex:none}.test-banner strong{font-weight:700}.page-shell{max-width:1200px;padding:36px 32px 20px;margin:auto;display:grid;grid-template-columns:250px minmax(0,1fr);gap:42px;align-items:start}.guide{position:sticky;top:24px;padding-top:8px}.eyebrow{font-size:10px;font-weight:750;letter-spacing:1.8px;color:var(--teal);margin:0 0 13px}.guide h2{font-size:29px;line-height:1.23;letter-spacing:-1px;margin:0 0 17px;font-weight:700}.guide-description{font-size:13px;color:var(--muted);max-width:215px;margin:0 0 25px}#step-nav{display:grid;gap:1px}.step-link{display:flex;align-items:center;width:100%;text-align:left;padding:9px 0;border:0;background:transparent;color:var(--muted);gap:12px;font-size:13px}.step-number{display:grid;place-items:center;flex:none;width:29px;height:29px;border-radius:50%;border:1px solid #cbd8e2;font-size:11px;background:var(--wash)}.step-link[aria-current=step]{font-weight:700;color:var(--navy)}.step-link[aria-current=step] .step-number{background:var(--blue);color:white;border-color:var(--blue);box-shadow:0 0 0 4px #dfeaf7}.step-link.done .step-number{background:var(--teal-wash);color:var(--teal);border-color:#afd7cc}.guide-help{display:flex;gap:11px;border-top:1px solid var(--line);margin-top:25px;padding-top:22px;font-size:12px}.guide-help strong{display:block;font-weight:650}.guide-help a{display:block;text-decoration:none;font-weight:600}.guide-help div>span{display:block;margin-top:5px;color:var(--muted);font-size:11px}.help-icon{width:28px;height:28px;background:#e5edf4;color:#3a617f;display:grid;place-items:center;border-radius:50%;font-weight:700}.form-card{background:white;border:1px solid var(--line);border-radius:20px;padding:30px 34px 26px;min-width:0;box-shadow:0 12px 36px #17354c05}.form-topline{display:flex;justify-content:space-between;gap:12px;color:var(--muted);font-size:11px;letter-spacing:.1px;flex-wrap:wrap}#quote-context{font-weight:650;color:var(--teal)}progress{appearance:none;width:100%;display:block;border:0;background:#edf2f6;height:4px;margin:13px 0 27px;border-radius:10px;overflow:hidden}progress::-webkit-progress-bar{background:#edf2f6}progress::-webkit-progress-value{background:var(--teal)}progress::-moz-progress-bar{background:var(--teal)}.step-heading h1{font-size:30px;line-height:1.2;letter-spacing:-1px;margin:0 0 12px;font-weight:700}.step-heading>p:last-child{font-size:14px;color:var(--muted);margin:0 0 25px;max-width:540px}.step-heading .eyebrow{font-size:9px;margin-bottom:10px}.fields-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:19px 18px}.field{min-width:0;margin:0;padding:0;border:0}.field.full{grid-column:1/-1}.field-label,.field legend{display:block;font-size:13px;font-weight:650;margin:0 0 7px;line-height:1.5;padding:0}.required-star{color:var(--teal);margin-left:3px}.optional{font-size:10px;font-weight:400;color:var(--muted);margin-left:7px}.field input:not([type=radio]):not([type=checkbox]),.field select,.field textarea{display:block;width:100%;min-width:0;min-height:46px;color:var(--ink);background:white;border:1px solid #ccd9e4;border-radius:9px;padding:11px 12px;font-size:16px;line-height:1.4;transition:border-color .15s,box-shadow .15s}.field textarea{resize:vertical;min-height:80px}.field input::placeholder,.field textarea::placeholder{color:#7b8d9c}.field input:hover,.field select:hover,.field textarea:hover{border-color:#91adbf}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px #0866c613}.field [aria-invalid=true]{border-color:var(--error)!important}.field-hint{color:var(--muted);font-size:11px;margin:5px 0 0}.field-error{color:var(--error);font-size:12px;margin:5px 0 0}.field-error:empty{display:none}.choice-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.choice{position:relative;display:block;cursor:pointer}.choice input{position:absolute;opacity:0;inset:0;pointer-events:none;width:100%;height:100%;margin:0}.choice-body{display:flex;align-items:center;gap:10px;min-height:49px;border:1px solid #cddbe6;border-radius:10px;padding:11px 13px;background:white;color:var(--ink);font-weight:600;font-size:14px;transition:background .15s,border-color .15s}.choice input:checked+.choice-body{border-color:var(--blue);background:var(--blue-wash);box-shadow:inset 0 0 0 1px var(--blue)}.choice input:focus-visible+.choice-body{outline:3px solid var(--teal);outline-offset:3px}.choice-property .choice-body{align-items:flex-start;flex-direction:column;padding:19px 18px;gap:12px;min-height:145px}.choice-title{display:flex;align-items:center;gap:8px}.choice-icon{width:30px;height:30px;color:var(--teal)}.choice-icon svg{width:30px;height:30px;display:block}.choice-help{font-size:11px;font-weight:400;line-height:1.5;color:var(--muted)}.yesno-grid{display:flex;gap:9px}.yesno-grid .choice{flex:1}.yesno-grid .choice-body{justify-content:center}.multi-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}.multi-option{display:flex;align-items:center;gap:9px;font-size:13px;cursor:pointer;min-height:40px;padding:6px 8px;border-radius:6px;background:#f6f8fb}.multi-option input{width:17px;height:17px;accent-color:var(--blue);flex:none}.section-break{grid-column:1/-1;margin:8px 0 0;padding-top:19px;border-top:1px solid var(--line)}.section-break h2{font-size:15px;margin:0 0 2px;font-weight:650;letter-spacing:-.2px}.section-break p{font-size:12px;color:var(--muted);margin:0}.toggle-row{grid-column:1/-1;display:flex;align-items:center;gap:10px;cursor:pointer;padding:11px 0;font-size:13px;font-weight:600}.toggle-row input{width:18px;height:18px;accent-color:var(--blue)}.optional-details{margin-top:24px;border-top:1px solid var(--line);padding-top:20px}.optional-details summary{cursor:pointer;color:var(--blue);font-weight:600;font-size:13px;padding:4px 0}.optional-details[open] summary{margin-bottom:17px}.form-actions{display:flex;gap:16px;align-items:center;justify-content:space-between;margin-top:28px;padding-top:23px;border-top:1px solid var(--line)}.button{display:inline-flex;align-items:center;justify-content:center;gap:20px;min-height:46px;padding:11px 20px;border-radius:9px;font-size:13px;font-weight:650;line-height:1.5;text-decoration:none}.button.primary{color:white;background:var(--blue);border:1px solid var(--blue);box-shadow:0 3px 8px #0866c61a}.button.primary:hover{background:#0756ab}.button.secondary{background:white;color:var(--ink);border:1px solid #cddbe6}.required-note{color:var(--muted);font-size:10px;margin-right:auto}.required-note span{color:var(--teal)}.error-summary{background:#fff1f1;color:#8c2132;border:1px solid #efc4c9;border-radius:10px;padding:14px 17px;margin-bottom:23px;font-size:13px}.error-summary strong{display:block;margin-bottom:5px}.error-summary ul{padding-left:18px;margin:0}.error-summary button{font-size:12px;color:#8c2132;text-align:left;border:0;background:transparent;text-decoration:underline;padding:3px 0}.review-intro{display:flex;gap:12px;align-items:flex-start;background:var(--blue-wash);padding:17px 19px;border-radius:12px;margin-bottom:24px}.review-intro strong{display:block;font-size:16px}.review-intro p{font-size:12px;color:var(--muted);margin:3px 0 0}.review-section{margin-top:24px}.review-heading{display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid var(--line);padding-bottom:9px;gap:12px}.review-heading h2{font-size:15px;margin:0;font-weight:650}.edit-button{font-size:12px;background:transparent;border:0;color:var(--blue);padding:5px 2px;font-weight:600}.review-list{margin:0}.review-list>div{display:grid;grid-template-columns:45% minmax(0,1fr);gap:18px;border-bottom:1px solid #edf1f5;padding:10px 0;font-size:12px}.review-list dt{color:var(--muted)}.review-list dd{margin:0;white-space:pre-wrap;overflow-wrap:anywhere;font-weight:500}.completion{text-align:center;padding:8px 0 15px}.completion-icon{display:grid;place-items:center;width:72px;height:72px;margin:0 auto 23px;border-radius:50%;color:var(--teal);background:var(--teal-wash);font-size:32px}.completion h2{font-size:26px;line-height:1.25;margin:0 0 15px;letter-spacing:-.6px}.completion p{max-width:420px;margin:0 auto 24px;color:var(--muted);font-size:14px}.completion-note{border-top:1px solid var(--line);padding-top:20px;font-size:12px!important}.footer{display:flex;justify-content:space-between;gap:20px;max-width:1200px;margin:0 auto;padding:18px 32px 32px;color:var(--muted);font-size:10px}.noscript{padding:30px;text-align:center}[hidden]{display:none!important}
@media(min-width:1350px){.page-shell{gap:54px}.form-card{padding:34px 40px 28px}}
@media(max-width:900px){.page-shell{grid-template-columns:195px minmax(0,1fr);gap:25px;padding-inline:22px}.guide h2{font-size:25px}.form-card{padding:27px 25px}.masthead{padding:24px}.choice-property .choice-body{padding:16px 13px}.step-heading h1{font-size:27px}}
@media(max-width:700px){.masthead{padding:22px 20px}.brand-mark{font-size:30px}.brand-sub{font-size:9px;padding-left:10px;letter-spacing:2px}.brand{gap:10px}.brand-sub span{font-size:7px;letter-spacing:.7px}.header-contact>span{display:none}.header-contact a{font-size:13px}.header-contact a span{display:none}.test-banner{padding:10px 18px;justify-content:flex-start;font-size:11px;gap:4px 7px}.test-banner>span:last-child{flex-basis:100%;padding-left:13px}.page-shell{grid-template-columns:1fr;padding:19px 14px 10px;gap:16px}.guide{position:static;padding:0 8px}.guide>.eyebrow,.guide h2,.guide-description,.guide-help{display:none}#step-nav{display:flex;justify-content:space-between;gap:3px}.step-link{width:auto;padding:6px 0;justify-content:center}.step-link .step-name{display:none}.step-number{height:25px;width:25px;font-size:10px}.step-link[aria-current=step] .step-number{box-shadow:0 0 0 3px #dfeaf7}.form-card{padding:25px 22px 21px;border-radius:16px}.step-heading h1{font-size:27px;letter-spacing:-.75px}.form-topline{font-size:10px}.step-heading>p:last-child{font-size:13px}.footer{padding:18px 22px 26px;flex-wrap:wrap;gap:5px}.form-actions{gap:12px}.required-note{display:none}.button{padding:11px 17px}.multi-option{min-height:44px}.step-link{min-width:27px}}
@media(max-width:450px){.header-contact{display:none}.fields-grid{grid-template-columns:1fr;gap:21px}.form-card{padding:23px 19px}.choice-property .choice-body{min-height:140px;padding:16px 13px}.choice-body{font-size:13px}.choice-help{font-size:10px}.step-heading h1{font-size:26px}.field-label,.field legend{font-size:13px}.review-list>div{grid-template-columns:1fr;gap:4px}.review-list dd{font-size:13px}.multi-grid{gap:7px}.multi-option{font-size:12px;padding:6px}.completion h2{font-size:23px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.policy-fields .fields-grid:not(:empty){margin-top:22px}.notes-fields{margin-top:24px}.review-footnote{margin-top:24px}
.mailing-section{display:flex;flex-direction:column}.mailing-section>.toggle-row{order:0}.mailing-section>#mailing-fields{order:1;margin-top:8px}
@media print{.guide,.masthead,.test-banner,.footer,.form-actions,.edit-button{display:none}.page-shell{display:block;padding:0}.form-card{border:0;box-shadow:none;padding:10px}.review-section{break-inside:avoid}}