.summary-cards{padding:6rem 0;background:#fff}.summary-cards__inner{max-width:87.5rem;margin:0 auto;padding:0 1.5rem}.summary-cards__grid{display:grid;grid-template-columns:1fr;gap:2rem}@media(min-width: 768px){.summary-cards__grid{grid-template-columns:repeat(3, 1fr)}}.summary-cards__card{background:#f0f5f7;border-radius:1.5rem;padding:2.5rem;display:flex;flex-direction:column;align-items:center;text-align:center;opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease,background-color .5s,color .5s}.summary-cards.is-visible .summary-cards__card{opacity:1;transform:translateY(0)}.summary-cards__card:hover{background:#307f90}.summary-cards__card:hover .summary-cards__icon{transform:scale(1.1)}.summary-cards__card:hover .summary-cards__title{color:#fff}.summary-cards__card:hover .summary-cards__desc{color:hsla(0,0%,100%,.8)}.summary-cards__icon{width:4rem;height:4rem;background:#fff;border-radius:1rem;display:flex;align-items:center;justify-content:center;color:#307f90;margin-bottom:1.5rem;transition:transform .5s}.summary-cards__title{font-size:1.25rem;font-weight:900;color:#223849;text-transform:uppercase;letter-spacing:-0.02em;margin-bottom:1rem;transition:color .5s}.summary-cards__desc{font-size:.875rem;color:#475569;font-weight:500;line-height:1.6;transition:color .5s}.compare-cards{padding:6rem 0;background:#f8fafb}.compare-cards__inner{max-width:87.5rem;margin:0 auto;padding:0 1.5rem}.compare-cards__header{text-align:center;margin-bottom:4rem}.compare-cards__kicker{display:inline-block;font-size:.6875rem;font-weight:900;text-transform:uppercase;letter-spacing:.4em;color:#307f90;margin-bottom:1rem;opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}.compare-cards.is-visible .compare-cards__kicker{opacity:1;transform:translateY(0)}.compare-cards__heading{font-size:clamp(2rem,5vw,3rem);font-weight:900;color:#223849;text-transform:uppercase;letter-spacing:-0.02em;line-height:1;opacity:0;transform:translateY(20px);transition:opacity .6s ease .1s,transform .6s ease .1s}.compare-cards.is-visible .compare-cards__heading{opacity:1;transform:translateY(0)}.compare-cards__grid{display:grid;grid-template-columns:1fr;gap:2rem;max-width:64rem;margin:0 auto}@media(min-width: 768px){.compare-cards__grid{grid-template-columns:repeat(2, 1fr)}}.compare-cards__card{background:#fff;border-radius:1.5rem;padding:2.5rem;box-shadow:0 20px 40px -12px rgba(226,232,240,.2);opacity:0;transition:opacity .6s ease .2s,transform .6s ease .2s}.compare-cards.is-visible .compare-cards__card{opacity:1;transform:translateX(0)}.compare-cards__card--eligible{border-left:8px solid #22c55e;transform:translateX(-30px)}.compare-cards__card--ineligible{border-left:8px solid #ef4444;transform:translateX(30px)}.compare-cards__card-header{display:flex;align-items:center;gap:1rem;margin-bottom:2rem}.compare-cards__card-icon{width:3rem;height:3rem;border-radius:1rem;display:flex;align-items:center;justify-content:center}.compare-cards__card-icon--green{background:#f0fdf4;color:#22c55e}.compare-cards__card-icon--red{background:#fef2f2;color:#ef4444}.compare-cards__card-title{font-size:1.25rem;font-weight:900;color:#223849;text-transform:uppercase;letter-spacing:-0.02em}.compare-cards__list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:1.5rem}.compare-cards__item{display:flex;align-items:flex-start;gap:1rem;font-size:.875rem;color:#475569;font-weight:500;line-height:1.6}.compare-cards__check{width:1.25rem;height:1.25rem;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:.125rem}.compare-cards__check--green{background:#22c55e;color:#fff}.compare-cards__check--red{background:#ef4444;color:#fff}.process-steps{padding:6rem 0;background:#fff}.process-steps__inner{max-width:87.5rem;margin:0 auto;padding:0 1.5rem}.process-steps__header{text-align:center;margin-bottom:5rem}.process-steps__kicker{display:inline-block;font-size:.6875rem;font-weight:900;text-transform:uppercase;letter-spacing:.4em;color:#307f90;margin-bottom:1rem;opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}.process-steps.is-visible .process-steps__kicker{opacity:1;transform:translateY(0)}.process-steps__heading{font-size:clamp(2rem,5vw,3rem);font-weight:900;color:#223849;text-transform:uppercase;letter-spacing:-0.02em;line-height:1;opacity:0;transform:translateY(20px);transition:opacity .6s ease .1s,transform .6s ease .1s}.process-steps.is-visible .process-steps__heading{opacity:1;transform:translateY(0)}.process-steps__grid{display:grid;grid-template-columns:1fr;gap:3rem;position:relative}@media(min-width: 768px){.process-steps__grid{grid-template-columns:repeat(4, 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.5s}.process-steps__title{font-size:1.25rem;font-weight:900;color:#223849;text-transform:uppercase;letter-spacing:-0.02em;margin-bottom:1rem;transition:color .3s}.process-steps__desc{font-size:.875rem;color:#475569;font-weight:500;line-height:1.6}.details-accordion{padding:6rem 0;background:#f0f5f7}.details-accordion__inner{max-width:87.5rem;margin:0 auto;padding:0 1.5rem}.details-accordion__header{text-align:center;margin-bottom:4rem}.details-accordion__kicker{display:inline-block;font-size:.6875rem;font-weight:900;text-transform:uppercase;letter-spacing:.4em;color:#307f90;margin-bottom:1rem;opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}.details-accordion.is-visible .details-accordion__kicker{opacity:1;transform:translateY(0)}.details-accordion__heading{font-size:clamp(2rem,5vw,3rem);font-weight:900;color:#223849;text-transform:uppercase;letter-spacing:-0.02em;line-height:1;opacity:0;transform:translateY(20px);transition:opacity .6s ease .1s,transform .6s ease .1s}.details-accordion.is-visible .details-accordion__heading{opacity:1;transform:translateY(0)}.details-accordion__list{max-width:56rem;margin:0 auto;display:flex;flex-direction:column;gap:1rem}.details-accordion__item{background:#fff;border-radius:1.5rem;overflow:hidden;box-shadow:0 20px 40px -12px rgba(226,232,240,.2);opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}.details-accordion.is-visible .details-accordion__item{opacity:1;transform:translateY(0)}.details-accordion__question{width:100%;padding:2rem;display:flex;align-items:center;justify-content:space-between;gap:1rem;text-align:left;background:none;border:none;cursor:pointer;font-family:inherit}.details-accordion__question span:first-child{font-size:1.125rem;font-weight:900;color:#223849;text-transform:uppercase;letter-spacing:-0.02em;transition:color .3s}.details-accordion__question:hover span:first-child{color:#307f90}.details-accordion__toggle{width:2.5rem;height:2.5rem;border-radius:1rem;display:flex;align-items:center;justify-content:center;background:#f0f5f7;color:#223849;flex-shrink:0;transition:background-color .5s,color .5s,transform .5s}.details-accordion__item.is-open .details-accordion__toggle{background:#307f90;color:#fff;transform:rotate(180deg)}.details-accordion__toggle:hover{background:#307f90;color:#fff}.details-accordion__plus{display:block}.details-accordion__item.is-open .details-accordion__plus{display:none}.details-accordion__minus{display:none}.details-accordion__item.is-open .details-accordion__minus{display:block}.details-accordion__answer{max-height:0;overflow:hidden;transition:max-height .5s cubic-bezier(0.04, 0.62, 0.23, 0.98)}.details-accordion__item.is-open .details-accordion__answer{max-height:20rem}.details-accordion__answer-inner{padding:0 2rem 2rem}.details-accordion__answer-inner p{font-size:.9375rem;color:#475569;font-weight:500;line-height:1.7}.content-stack{padding:6rem 0;background:#f8fafb}.content-stack__inner{max-width:87.5rem;margin:0 auto;padding:0 1.5rem}.content-stack__block{margin-bottom:5rem;text-align:center}.content-stack__block:last-child{margin-bottom:0}.content-stack__kicker{display:inline-block;font-size:.6875rem;font-weight:900;text-transform:uppercase;letter-spacing:.4em;color:#307f90;margin-bottom:1rem;opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}.content-stack.is-visible .content-stack__kicker{opacity:1;transform:translateY(0)}.content-stack__heading{font-size:clamp(2rem,5vw,3rem);font-weight:900;color:#223849;text-transform:uppercase;letter-spacing:-0.02em;line-height:1;margin-bottom:3rem;opacity:0;transform:translateY(20px);transition:opacity .6s ease .1s,transform .6s ease .1s}.content-stack.is-visible .content-stack__heading{opacity:1;transform:translateY(0)}.content-stack__card{max-width:48rem;margin:0 auto;background:#fff;border-radius:1.5rem;padding:2.5rem;box-shadow:0 20px 40px -12px rgba(226,232,240,.2);opacity:0;transform:translateY(20px);transition:opacity .6s ease .2s,transform .6s ease .2s}.content-stack.is-visible .content-stack__card{opacity:1;transform:translateY(0)}.content-stack__text{font-size:1.125rem;color:#475569;font-weight:500;line-height:1.7;margin-bottom:2rem}.content-stack__text a{color:#307f90;text-decoration:underline;text-underline-offset:2px}.content-stack__text a:hover{color:#285d7d}.content-stack__address-box{background:#f0f5f7;border-radius:1rem;border:1px solid #f1f5f9;padding:2rem}.content-stack__address-label{display:block;font-size:.75rem;font-weight:900;text-transform:uppercase;letter-spacing:.4em;color:#307f90;margin-bottom:1rem}.content-stack__address-value{font-size:1.25rem;font-weight:900;color:#223849;text-transform:uppercase;letter-spacing:-0.02em}.content-stack__gift-grid{display:grid;grid-template-columns:1fr;gap:2rem;max-width:64rem;margin:0 auto}@media(min-width: 768px){.content-stack__gift-grid{grid-template-columns:repeat(2, 1fr)}}.content-stack__gift-card{background:#fff;border-radius:1.5rem;padding:2.5rem;box-shadow:0 20px 40px -12px rgba(226,232,240,.2);text-align:left;opacity:0;transform:translateY(30px);transition:opacity .6s ease .2s,transform .6s ease .2s,background-color .5s}.content-stack.is-visible .content-stack__gift-card{opacity:1;transform:translateY(0)}.content-stack__gift-card:hover{background:#307f90}.content-stack__gift-card:hover .content-stack__gift-title{color:#fff}.content-stack__gift-card:hover .content-stack__gift-desc{color:hsla(0,0%,100%,.8)}.content-stack__gift-title{font-size:1.25rem;font-weight:900;color:#223849;text-transform:uppercase;letter-spacing:-0.02em;margin-bottom:1.5rem;transition:color .5s}.content-stack__gift-desc{font-size:.875rem;color:#475569;font-weight:500;line-height:1.6;transition:color .5s}.content-stack__warning{max-width:56rem;margin:0 auto;background:#fffbeb;border:2px solid #f59e0b;border-radius:1.5rem;padding:2.5rem;display:flex;flex-direction:column;align-items:center;gap:2rem;text-align:center;opacity:0;transform:scale(0.95);transition:opacity .6s ease,transform .6s ease}.content-stack.is-visible .content-stack__warning{opacity:1;transform:scale(1)}@media(min-width: 768px){.content-stack__warning{flex-direction:row;text-align:left}}.content-stack__warning-icon{width:5rem;height:5rem;background:#f59e0b;border-radius:1rem;display:flex;align-items:center;justify-content:center;color:#fff;flex-shrink:0;box-shadow:0 10px 20px -5px rgba(245,158,11,.3)}.content-stack__warning-title{font-size:1.5rem;font-weight:900;color:#78350f;text-transform:uppercase;letter-spacing:-0.02em;margin-bottom:1rem}.content-stack__warning-text{color:#92400e;font-weight:500;line-height:1.6}.address-card{padding:6rem 0;background:#f0f5f7}.address-card__inner{max-width:56rem;margin:0 auto;padding:0 1.5rem}.address-card__card{background:#fff;border-radius:1.5rem;border:1px solid #f1f5f9;padding:3rem;box-shadow:0 25px 50px -12px rgba(226,232,240,.4);text-align:center;opacity:0;transform:translateY(30px);transition:opacity .6s ease,transform .6s ease}.address-card.is-visible .address-card__card{opacity:1;transform:translateY(0)}.address-card__icon{width:5rem;height:5rem;background:#f0f5f7;border-radius:1rem;display:flex;align-items:center;justify-content:center;color:#307f90;margin:0 auto 2rem;box-shadow:0 20px 40px -12px rgba(226,232,240,.2)}.address-card__heading{font-size:clamp(1.875rem,4vw,2.5rem);font-weight:900;color:#223849;text-transform:uppercase;letter-spacing:-0.02em;margin-bottom:2rem}.address-card__lines{font-style:normal;margin-bottom:2.5rem}.address-card__lines p{font-size:1.25rem;font-weight:900;color:#223849;text-transform:uppercase;letter-spacing:-0.02em;line-height:1.8}.address-card__footer{padding-top:2.5rem;border-top:1px solid #f1f5f9;display:flex;flex-direction:column;align-items:center;gap:1.5rem}.address-card__email{display:flex;align-items:center;gap:.75rem;color:#307f90}.address-card__email a{font-size:1.125rem;font-weight:700;color:#307f90;transition:color .3s}.address-card__email a:hover{color:#285d7d}.address-card__note{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.15em;color:#94a3b8;font-style:italic}.policy-hero{position:relative;padding:8rem 0 4rem;background:#f0f5f7;overflow:hidden}@media(min-width: 768px){.policy-hero{padding:10rem 0 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svg{color:#cbd5e1}.policy-hero__content{max-width:56rem}.policy-hero__kicker{display:inline-block;font-size:.6875rem;font-weight:900;text-transform:uppercase;letter-spacing:.4em;color:#307f90;margin-bottom:1rem;opacity:0;transform:translateX(-20px);transition:opacity .6s ease .1s,transform .6s ease .1s}.policy-hero.is-visible .policy-hero__kicker{opacity:1;transform:translateX(0)}.policy-hero__heading{font-size:clamp(3rem,8vw,4.5rem);font-weight:900;color:#223849;letter-spacing:-0.02em;line-height:.95;text-transform:uppercase;margin-bottom:2rem;opacity:0;transform:translateY(20px);transition:opacity .6s ease .2s,transform .6s ease .2s}.policy-hero.is-visible .policy-hero__heading{opacity:1;transform:translateY(0)}.policy-hero__subtitle{font-size:clamp(1rem,2.5vw,1.25rem);color:#475569;font-weight:500;line-height:1.6;opacity:0;transform:translateY(20px);transition:opacity .6s ease .3s,transform .6s ease .3s}.policy-hero.is-visible .policy-hero__subtitle{opacity:1;transform:translateY(0)}.policy-hero__glow{position:absolute;right:-5rem;bottom:-5rem;width:24rem;height:24rem;background:#307f90;border-radius:50%;opacity:.05;filter:blur(120px);pointer-events:none}.related-grid{padding:6rem 0;background:#f0f5f7}.related-grid__inner{max-width:87.5rem;margin:0 auto;padding:0 1.5rem}.related-grid__header{text-align:center;margin-bottom:4rem}.related-grid__kicker{display:inline-block;font-size:.6875rem;font-weight:900;text-transform:uppercase;letter-spacing:.4em;color:#307f90;margin-bottom:1rem;opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}.related-grid.is-visible .related-grid__kicker{opacity:1;transform:translateY(0)}.related-grid__heading{font-size:clamp(2rem,5vw,3rem);font-weight:900;color:#223849;text-transform:uppercase;letter-spacing:-0.02em;line-height:1;opacity:0;transform:translateY(20px);transition:opacity .6s ease .1s,transform .6s ease .1s}.related-grid.is-visible .related-grid__heading{opacity:1;transform:translateY(0)}.related-grid__grid{display:grid;grid-template-columns:1fr;gap:1.5rem}@media(min-width: 768px){.related-grid__grid{grid-template-columns:repeat(2, 1fr)}}@media(min-width: 1024px){.related-grid__grid{grid-template-columns:repeat(auto-fit, minmax(14rem, 1fr))}}.related-grid__card{background:#fff;border-radius:1.5rem;border:1px solid #f1f5f9;padding:2.5rem 2rem;text-align:center;text-decoration:none;display:flex;flex-direction:column;align-items:center;box-shadow:0 4px 12px rgba(226,232,240,.2);transition:transform .4s ease,box-shadow .4s ease;opacity:0;transform:translateY(20px)}.related-grid.is-visible .related-grid__card{opacity:1;transform:translateY(0)}.related-grid__card:hover{transform:translateY(-8px);box-shadow:0 25px 50px -12px rgba(226,232,240,.4)}.related-grid__icon{width:4rem;height:4rem;background:#f0f5f7;border-radius:1rem;display:flex;align-items:center;justify-content:center;margin-bottom:2rem;transition:background 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1.5rem}.faq-accordion__header{text-align:center;margin-bottom:4rem}.faq-accordion__kicker{display:block;font-size:.75rem;font-weight:900;text-transform:uppercase;letter-spacing:.4em;color:#307f90;margin-bottom:1rem;opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}.is-visible .faq-accordion__kicker{opacity:1;transform:translateY(0)}.faq-accordion__heading{font-size:clamp(2rem,4vw,3rem);font-weight:900;color:#223849;letter-spacing:-0.02em;text-transform:uppercase;line-height:1;opacity:0;transform:translateY(20px);transition:opacity .6s ease .1s,transform .6s ease .1s}.is-visible .faq-accordion__heading{opacity:1;transform:translateY(0)}.faq-accordion__heading-accent{color:#307f90}.faq-accordion__list{display:flex;flex-direction:column;gap:1rem}.faq-accordion__item{background-color:#fff;border-radius:1rem;border:1px solid #f1f5f9;overflow:hidden;transition:border-color .5s ease,box-shadow .5s ease;opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease,border-color .5s ease,box-shadow .5s ease}.is-visible .faq-accordion__item{opacity:1;transform:translateY(0)}.is-visible .faq-accordion__item:nth-child(1){transition-delay:0s}.is-visible .faq-accordion__item:nth-child(2){transition-delay:0.05s}.is-visible .faq-accordion__item:nth-child(3){transition-delay:0.1s}.is-visible .faq-accordion__item:nth-child(4){transition-delay:0.15s}.is-visible .faq-accordion__item:nth-child(5){transition-delay:0.2s}.is-visible .faq-accordion__item:nth-child(6){transition-delay:0.25s}.faq-accordion__item.is-open{border-color:#307f90;box-shadow:0 10px 30px rgba(48,127,144,.05)}.faq-accordion__trigger{width:100%;display:flex;align-items:center;justify-content:space-between;padding:1.5rem 2rem;text-align:left;font-family:inherit}@media(min-width: 768px){.faq-accordion__trigger{padding:2rem}}.faq-accordion__question{font-size:1.125rem;font-weight:900;text-transform:uppercase;letter-spacing:-0.02em;color:#223849;transition:color .3s ease}.is-open .faq-accordion__question{color:#307f90}.faq-accordion__trigger:hover .faq-accordion__question{color:#307f90}.faq-accordion__icon{width:2.5rem;height:2.5rem;border-radius:.75rem;display:flex;align-items:center;justify-content:center;background-color:#f8fafb;color:#94a3b8;flex-shrink:0;transition:background-color .3s ease,color .3s ease,transform .3s ease}.is-open .faq-accordion__icon{background-color:#307f90;color:#fff;transform:rotate(180deg)}.faq-accordion__trigger:hover .faq-accordion__icon{background-color:rgba(48,127,144,.1);color:#307f90}.is-open .faq-accordion__trigger:hover .faq-accordion__icon{background-color:#307f90;color:#fff}.faq-accordion__answer{display:grid;grid-template-rows:0fr;transition:grid-template-rows .3s ease}.is-open .faq-accordion__answer{grid-template-rows:1fr}.faq-accordion__answer-inner{overflow:hidden;padding:0 2rem;transition:padding .3s ease}.is-open .faq-accordion__answer-inner{padding:0 2rem 2rem}.faq-accordion__answer-inner::before{content:"";display:block;height:1px;background-color:#f8fafc;margin-bottom:1.5rem}.faq-accordion__answer-inner p{font-size:1rem;color:#475569;font-weight:500;line-height:1.6}