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:root{--c-navy:#041824;--c-navy-2:#081f2d;--c-teal:#00a19b;--c-grey:#d6dfe1;--c-white:#fff;--c-navy-hover:#0f3141;--c-teal-tint:#e8f9f8;--c-teal-pale:#cafbf9;--c-teal-ink:#00807b;--c-grey-50:#e4ebec;--c-grey-25:#f3f8f8;--c-ink:#041824;--c-ink-muted:#4a595f;--c-amber:#e08a1e;--c-amber-tint:#fcf1e3;--font-sans:"Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;--fs-body:1.0625rem;--fs-small:.9375rem;--fs-xsmall:.8125rem;--lh-body:1.6;--maxw:82.5rem;--measure:46rem;--gutter:clamp(1.25rem, 4.5vw, 4rem);--radius:14px;--radius-lg:22px;--shadow-1:0 1px 2px #0418240f, 0 4px 14px #0418240f;--shadow-2:0 12px 40px #04182424;--ease:cubic-bezier(.22, .61, .36, 1);--space-1:.25rem;--space-2:.5rem;--space-3:.75rem;--space-4:1rem;--space-5:1.5rem;--space-6:2rem;--space-7:3rem;--space-8:4.5rem;--focus-ring:3px solid var(--c-navy);--tap:44px}
.skip-link{left:var(--space-4);z-index:100;background:var(--c-white);color:var(--c-navy);padding:var(--space-3) var(--space-4);border-radius:var(--radius);font-weight:700;position:absolute;top:-100px}.skip-link:focus{top:var(--space-4)}.site-header{background:var(--c-navy);color:var(--c-white);border-bottom:4px solid var(--c-teal);position:relative}.site-nav__panel-wrap{z-index:50;background:var(--c-navy);border-bottom:4px solid var(--c-teal);position:absolute;top:100%;left:0;right:0}.site-nav__panel-wrap[hidden]{display:none}.site-header__inner{justify-content:space-between;align-items:center;gap:var(--space-4);min-height:4.25rem;padding-block:var(--space-2);display:flex}.site-header__brand{align-items:center;gap:var(--space-3);color:var(--c-white);min-height:var(--tap);text-decoration:none;display:inline-flex}.site-header__logo{width:auto;height:26px;display:block}.site-header__title{font-weight:600;font-size:var(--fs-small);padding-left:var(--space-3);border-left:1px solid #ffffff59;line-height:1.2}@media (max-width:519px){.site-header__title{display:none}}@media (min-width:640px){.site-header__logo{height:30px}}.site-nav__list{gap:var(--space-1);margin:0;padding:0;list-style:none;display:none}.site-nav__list li+li{margin-top:0}.site-nav__link{min-height:var(--tap);padding:0 var(--space-3);color:var(--c-white);font-weight:600;font-size:var(--fs-small);border-radius:var(--radius);align-items:center;text-decoration:none;display:inline-flex}.site-nav__link:hover{background:var(--c-navy-hover)}.site-nav__link[aria-current=page]{box-shadow:inset 0 -3px 0 var(--c-teal)}.site-nav__toggle{align-items:center;gap:var(--space-2);min-height:var(--tap);padding:0 var(--space-4);color:var(--c-white);border-radius:var(--radius);cursor:pointer;background:0 0;border:1px solid #ffffff80;font-weight:600;display:inline-flex}.site-nav__panel{padding-block:var(--space-2) var(--space-4);border-top:1px solid #fff3}.site-nav__panel ul{margin:0;padding:0;list-style:none}.site-nav__panel li+li{margin-top:0}.site-nav__panel .site-nav__link{width:100%;font-size:var(--fs-body);padding-inline:0;display:flex}@media (min-width:960px){.site-nav__list{display:flex}.site-nav__toggle,.site-nav__panel{display:none}}.notice-bar{background:var(--c-amber-tint);border-bottom:1px solid var(--c-grey);font-size:var(--fs-small)}.notice-bar__inner{gap:var(--space-3);padding-block:var(--space-2);align-items:baseline;display:flex}.notice-bar__marker{background:var(--c-amber);border-radius:1px;flex:none;width:.6rem;height:.6rem;margin-top:.35rem}.notice-bar--review{background:#fff4c4}.site-footer{background:var(--c-navy-2);color:var(--c-white);padding-block:var(--space-7) var(--space-6);font-size:var(--fs-small)}.site-footer a{color:var(--c-white)}.site-footer__grid{gap:var(--space-6);display:grid}@media (min-width:960px){.site-footer__grid{grid-template-columns:2fr 1fr 1fr}}.site-footer__logo{width:auto;height:28px;margin-bottom:var(--space-4)}.site-footer__heading{color:var(--c-white);font-size:var(--fs-small);text-transform:uppercase;letter-spacing:.06em;margin-bottom:var(--space-3)}.site-footer ul{padding:0;list-style:none}.site-footer li+li{margin-top:var(--space-2)}.site-footer__legal{margin-top:var(--space-6);padding-top:var(--space-4);color:#ffffffd9;border-top:1px solid #fff3}.btn{justify-content:center;align-items:center;gap:var(--space-2);min-height:var(--tap);border-radius:var(--radius);cursor:pointer;text-align:center;border:2px solid #0000;padding:.6rem 1.25rem;font-size:1rem;font-weight:700;line-height:1.2;text-decoration:none;display:inline-flex}.btn:hover{text-decoration:none}.btn--primary{background:var(--c-navy);color:var(--c-white)}.btn--primary:hover{background:var(--c-navy-hover)}.btn--secondary{background:var(--c-white);color:var(--c-navy);border-color:var(--c-navy)}.btn--secondary:hover{background:var(--c-grey-25)}.btn--accent{background:var(--c-teal);color:var(--c-navy)}.btn--accent:hover{background:#1bb5af}.btn--ghost-light{color:var(--c-white);border-color:var(--c-white);background:0 0}.btn--ghost-light:hover{background:var(--c-navy-hover)}.btn--link{color:var(--c-navy);background:0 0;border:none;padding-inline:0;font-weight:600;text-decoration:underline}.btn[disabled]{opacity:.45;cursor:not-allowed}.btn-row{gap:var(--space-3);flex-wrap:wrap;align-items:center;display:flex}.hero{padding-block:var(--space-7) var(--space-8)}.hero h1{max-width:22ch;margin-bottom:var(--space-4)}.hero__proposition{max-width:40rem}.hero__ctas{gap:var(--space-4);margin-block:var(--space-6);max-width:44rem;display:grid}@media (min-width:640px){.hero__ctas{grid-template-columns:1fr 1fr}}.hero__cta{padding:var(--space-4) var(--space-5);border-radius:var(--radius);border:2px solid var(--c-teal);text-decoration:none;display:block}.hero__cta--primary{background:var(--c-teal);color:var(--c-navy)}.band-navy .hero__cta--primary{color:var(--c-navy)}.hero__cta--secondary{color:var(--c-white)}.hero__cta:hover{box-shadow:0 0 0 2px var(--c-white)}.hero__cta-label{font-size:1.15rem;font-weight:700;display:block}.hero__cta-desc{font-size:var(--fs-small);margin-top:var(--space-1);display:block}.hero__note{max-width:40rem;padding-left:var(--space-4);border-left:4px solid var(--c-teal);color:var(--c-white)}.page-header{padding-block:var(--space-6) var(--space-5)}.page-header h1{max-width:28ch}.page-header .lede{max-width:var(--measure);margin-bottom:0}.journey{background:var(--c-grey-25);border-bottom:1px solid var(--c-grey-50)}.journey__list{padding:var(--space-3) 0;counter-reset:none;margin:0;list-style:none;display:none}.journey__list li+li{margin-top:0}.journey__item{flex:1 1 0;min-width:0}.journey__link{align-items:flex-start;gap:var(--space-1);padding:var(--space-2) var(--space-2) var(--space-3);color:var(--c-ink-muted);font-size:var(--fs-small);border-bottom:3px solid var(--c-grey);min-height:var(--tap);flex-direction:column;font-weight:600;text-decoration:none;display:flex}.journey__link:hover{color:var(--c-navy);border-bottom-color:var(--c-navy)}.journey__num{font-size:var(--fs-xsmall);letter-spacing:.06em;font-weight:700}.journey__link[aria-current=step]{color:var(--c-navy);border-bottom-color:var(--c-teal)}.journey__link[aria-current=step] .journey__label{font-weight:800}.journey__compact{padding-block:var(--space-3)}.journey__compact-summary{justify-content:space-between;align-items:center;gap:var(--space-3);min-height:var(--tap);cursor:pointer;color:var(--c-navy);font-weight:700;list-style:none;display:flex}.journey__compact-summary::-webkit-details-marker{display:none}.journey__compact-summary:after{content:"Show all stages";font-size:var(--fs-small);font-weight:600;text-decoration:underline}.journey__compact[open] .journey__compact-summary:after{content:"Hide stages"}.journey__bar{margin-top:var(--space-2);grid-template-columns:repeat(8,1fr);gap:3px;display:grid}.journey__bar span{background:var(--c-grey);border-radius:1px;height:5px}.journey__bar span[data-state=done]{background:var(--c-navy)}.journey__bar span[data-state=current]{background:var(--c-teal)}.journey__compact ol{margin:var(--space-3) 0 0;padding-left:1.5rem}.journey__compact ol a{padding-block:var(--space-2);display:inline-block}.journey__compact-bar{margin:0 0 var(--space-3)}@media (min-width:960px){.journey__list{gap:var(--space-1);display:flex}.journey__compact,.journey__compact-bar{display:none}}.stage-section+.stage-section,.guidance+.guidance,.guidance+.widget,.widget+.guidance,.widget+.widget{margin-top:var(--space-7)}.guidance h2{margin-bottom:var(--space-3)}.guidance--callout{background:var(--c-grey-25);border-left:4px solid var(--c-teal);padding:var(--space-5)}.guidance--callout h2{font-size:1.3rem}.guidance>:last-child,.guidance--callout>:last-child{margin-bottom:0}.note{padding:var(--space-3) var(--space-4);background:var(--c-grey-25);border-left:4px solid var(--c-grey)}.sources{margin-top:var(--space-3);font-size:var(--fs-small);color:var(--c-ink-muted)}.sources ul{margin:0;padding:0;list-style:none;display:inline}.sources li{display:inline}.sources li+li:before{content:"; "}.gap-notice{border:1px solid var(--c-grey);border-left:4px solid var(--c-teal);border-radius:var(--radius);padding:var(--space-4) var(--space-5);background:var(--c-white)}.gap-notice__label{font-size:var(--fs-xsmall);letter-spacing:.06em;text-transform:uppercase;color:var(--c-ink-muted);margin-bottom:var(--space-2);font-weight:700;display:inline-block}.gap-notice p:last-child{margin-bottom:0}.review-note{margin-top:var(--space-3);padding:var(--space-3) var(--space-4);font-size:var(--fs-small);color:#3b2f00;background:#fff9db;border:2px solid #b8860b}.review-note summary{cursor:pointer;font-weight:700}.review-note dl{gap:var(--space-1) var(--space-3);margin:var(--space-2) 0 0;grid-template-columns:max-content 1fr;display:grid}.review-note dt{font-weight:700}.review-note dd{margin:0}.review-note__draft{margin-top:var(--space-2);padding:var(--space-2) var(--space-3);background:var(--c-white);border:1px dashed #b8860b}.term{text-align:inherit;font:inherit;color:inherit;text-underline-offset:.2em;-webkit-text-decoration:underline dotted;text-decoration:underline dotted;text-decoration-thickness:2px;-webkit-text-decoration-color:var(--c-teal);text-decoration-color:var(--c-teal);cursor:help;background:0 0;border:none;margin:0;padding:0;display:inline}.term:hover{text-decoration-style:solid}.term-popover{width:max-content;max-width:min(28rem,100vw - 2rem);padding:var(--space-5);border:1px solid var(--c-grey);border-top:4px solid var(--c-teal);border-radius:var(--radius);background:var(--c-white);color:var(--c-ink);font-size:var(--fs-body);line-height:var(--lh-body);text-align:left;margin:auto;box-shadow:0 10px 30px #09202e40}.term-popover::backdrop{background:#09202e40}.term-popover__term{color:var(--c-navy);font-size:1.15rem;font-weight:700;display:block}.term-popover__expansion{color:var(--c-ink-muted);font-size:var(--fs-small);margin-bottom:var(--space-2);display:block}.term-popover__definition{margin-bottom:var(--space-3);display:block}.term-popover__footer{gap:var(--space-3);font-size:var(--fs-small);flex-wrap:wrap;justify-content:space-between;align-items:center;display:flex}.card{border:1px solid var(--c-grey);border-radius:var(--radius);padding:var(--space-4) var(--space-5);background:var(--c-white);display:block}.card h3{margin-bottom:var(--space-2)}.card>:last-child{margin-bottom:0}a.card{color:inherit;text-decoration:none}a.card:hover{border-color:var(--c-navy);box-shadow:inset 0 -3px 0 var(--c-teal)}.card__num{font-size:var(--fs-xsmall);letter-spacing:.06em;color:var(--c-ink-muted);margin-bottom:var(--space-1);font-weight:700;display:block}.entry-list{margin:0;padding:0;list-style:none}.entry-list>li+li{margin-top:0}.entry-list .card{height:100%}.entry-list p{font-size:var(--fs-small);color:var(--c-ink-muted);margin:0}.check-list{padding:0;list-style:none}.check-list li{padding-left:1.5rem;position:relative}.check-list li:before{content:"";background:var(--c-teal);border-radius:1px;width:.55rem;height:.55rem;position:absolute;top:.62em;left:.2rem}.model-figure{margin-inline:0}.model{gap:var(--space-2);margin:0;padding:0;list-style:none;display:grid}.model li+li{margin-top:0}.model__step{padding:var(--space-4);background:var(--c-white);border:1px solid var(--c-grey);border-left:4px solid var(--c-navy);border-radius:var(--radius);position:relative}.model__step:last-child{border-left-color:var(--c-teal);background:var(--c-teal-tint)}.model__label{color:var(--c-navy);text-transform:uppercase;letter-spacing:.05em;font-weight:800;font-size:var(--fs-small);display:block}.model__desc{font-size:var(--fs-small);color:var(--c-ink-muted);margin-top:var(--space-1);display:block}.model__step:not(:last-child):after{content:"";background:inherit;border-right:1px solid var(--c-grey);border-bottom:1px solid var(--c-grey);z-index:1;width:.8rem;height:.8rem;position:absolute;bottom:-.55rem;left:50%;transform:translate(-50%)rotate(45deg)}@media (min-width:960px){.model{gap:var(--space-3);grid-auto-columns:1fr;grid-auto-flow:column}.model__step{border-left:1px solid var(--c-grey);border-top:4px solid var(--c-navy)}.model__step:last-child{border-left:1px solid var(--c-grey);border-top-color:var(--c-teal)}.model__step:not(:last-child):after{inset:50% -.6rem auto auto;transform:translateY(-50%)rotate(-45deg)}}.stage-cards{margin:0;padding:0;list-style:none}.stage-cards>li+li{margin-top:0}.stage-cards .card{border-top:4px solid var(--c-navy);height:100%}.stage-cards .card h3{font-size:1.1rem}.stage-cards .card p{font-size:var(--fs-small);color:var(--c-ink-muted);margin:0}.stage-nav{gap:var(--space-3);margin-top:var(--space-8);padding-top:var(--space-5);border-top:1px solid var(--c-grey);display:grid}@media (min-width:640px){.stage-nav{grid-template-columns:1fr 1fr}.stage-nav__next{text-align:right;grid-column:2}}.stage-nav a{padding:var(--space-4);border:1px solid var(--c-grey);border-radius:var(--radius);min-height:var(--tap);text-decoration:none;display:block}.stage-nav 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0;font-size:15px;line-height:1.62}@media (max-width:1000px){.band-navy:has(>.hero):before{clip-path:none;background:linear-gradient(#041824b3 0%,#041824d6 42%,#041824f5 100%),url(../media/hero-rail.3fn9m6ulohwd9.webp) 62% 40%/cover no-repeat;inset:0}.hero>*,.hero h1,.hero .hero__proposition{max-width:100%}}.page:has(>.page-header){padding-top:0}.page>.page-header{isolation:isolate;color:var(--c-white);margin-bottom:clamp(36px,4.5vw,60px);position:relative;padding:clamp(48px,6vw,84px) 0 clamp(40px,5vw,64px)!important}.page>.page-header:before,.page>.page-header:after{content:"";z-index:-1;pointer-events:none;position:absolute;top:0;bottom:0}.page>.page-header:before{background:radial-gradient(48rem 26rem at 8% 120%, #00a19b29, transparent 62%), var(--c-navy);width:100cqw;margin-left:-50cqw;left:50%}.page>.page-header:after{clip-path:polygon(20% 0,100% 0,100% 100%,0 100%);background:linear-gradient(100deg, var(--c-navy) 0%, #041824d1 30%, #04182480 65%, #041824a8 100%), 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var(--ease);position:absolute;top:0;left:0;right:0;transform:scaleX(0)}a.card:hover{box-shadow:var(--shadow-2);color:inherit;border-color:#00a19b66;transform:translateY(-6px)}a.card:hover:before{transform:scaleX(1)}.stage-cards{gap:16px}.stage-cards .card{border-top:1px solid var(--line);flex-direction:column;display:flex}.stage-cards .card h3{font-size:19px}.stage-cards .card p{margin-bottom:18px;font-size:14.5px;line-height:1.55}.stage-cards a.card:after{content:"";background:var(--c-teal-tint) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2300807B' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12h14M13 6l6 6-6 6'/%3E%3C/svg%3E") center / 16px no-repeat;width:34px;height:34px;transition:transform .3s var(--ease), background-color .3s var(--ease);border-radius:50%;flex:none;align-self:flex-end;margin-top:auto}.stage-cards a.card:hover:after{background:var(--c-teal) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23ffffff' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12h14M13 6l6 6-6 6'/%3E%3C/svg%3E") center / 16px no-repeat;transform:translate(3px)}.model{gap:12px}.model__step,.model__step:last-child{border:1px solid var(--line);border-radius:var(--radius);background:var(--c-white);box-shadow:var(--shadow-1);padding:20px 18px}.model__step:last-child{background:var(--c-teal-tint);border-color:#00a19b59}.model__label{letter-spacing:.14em;color:var(--c-navy);font-size:12px}.model__desc{margin-top:8px;font-size:14.5px;line-height:1.55}.model__step:not(:last-child):after{border-color:var(--line)}.cta-panel{isolation:isolate;border-radius:var(--radius-lg);padding:clamp(32px,5vw,64px);position:relative}.cta-panel:before{content:"";z-index:-1;border-radius:inherit;pointer-events:none;background:radial-gradient(42rem 26rem at 88% -10%,#00a19b3d,#00a19b00 66%);position:absolute;inset:0}.cta-panel h2{letter-spacing:-.032em;max-width:18ch;font-size:clamp(1.9rem,1.2rem + 2.3vw,3.1rem);line-height:1.06}.cta-panel p{color:var(--on-navy);font-size:clamp(16px,1.2vw,18px)}.page-contents{border:1px solid #00a19b47;border-left:4px solid var(--c-teal);background:var(--wash);border-radius:18px;padding:22px 26px}.page-contents__title{letter-spacing:.13em;color:var(--c-teal-ink);font-size:11.5px;font-weight:800}.guidance--callout,.gap-notice{border:1px solid #00a19b47;border-left:4px solid var(--c-teal);background:var(--wash);border-radius:18px;padding:26px 28px}.gap-notice__label{letter-spacing:.13em;color:var(--c-teal-ink);font-size:11.5px;font-weight:800}.info-panel{border-color:var(--line);border-radius:var(--radius);background:var(--c-grey-25)}.note{border-radius:0 var(--radius) var(--radius) 0}.option{border-color:var(--line);border-radius:var(--radius);box-shadow:var(--shadow-1);transition:border-color .2s var(--ease), background-color .2s var(--ease), box-shadow .2s var(--ease)}.option:hover{box-shadow:var(--shadow-2);border-color:#00a19b73}.option:has(input:checked){border-color:var(--c-teal);background:var(--c-teal-tint);box-shadow:inset 4px 0 0 var(--c-teal)}.option__label{font-weight:700}.stage-nav a{border-color:var(--line);border-radius:var(--radius);box-shadow:var(--shadow-1);transition:transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s var(--ease);padding:20px 22px}.stage-nav a:hover{box-shadow:var(--shadow-2);color:inherit;border-color:#00a19b73;transform:translateY(-3px)}.stage-nav__dir{letter-spacing:.13em;text-transform:uppercase;color:var(--c-teal-ink);font-size:11.5px;font-weight:800}.stage-nav__title{letter-spacing:-.02em;font-size:1.15rem;font-weight:800}@media (prefers-reduced-motion:reduce){a.card:hover,.stage-nav a:hover,.hero__cta:hover,.btn:hover{transform:none}}.section[aria-label=More]{padding-top:0}.section[aria-label=More]>.grid-2{grid-template-columns:minmax(0,1fr)}@media 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*,:before,:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-padding-top:5rem}body{font-family:var(--font-sans);font-size:var(--fs-body);line-height:var(--lh-body);color:var(--c-ink);background:var(--c-white);overflow-wrap:break-word;margin:0}img{max-width:100%;height:auto}h1,h2,h3,h4{margin:0 0 var(--space-3);color:var(--c-navy);letter-spacing:-.01em;font-weight:700;line-height:1.2}h1{font-size:clamp(1.9rem,1.4rem + 2.2vw,2.9rem)}h2{font-size:clamp(1.35rem,1.2rem + .7vw,1.7rem)}h3{font-size:1.15rem}p,ul,ol,dl{margin:0 0 var(--space-4)}ul,ol{padding-left:1.4rem}li+li{margin-top:var(--space-1)}a{color:var(--c-navy);text-underline-offset:.18em;text-decoration-thickness:1px}a:hover{text-decoration-thickness:2px}:focus-visible{outline:var(--focus-ring);outline-offset:3px}.on-navy :focus-visible,.site-header :focus-visible,.site-footer :focus-visible{outline-color:var(--c-teal)}button,input,select,textarea{font:inherit;color:inherit}@media (prefers-reduced-motion:reduce){*,:before,:after{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important}}.visually-hidden{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;position:absolute!important}.container{width:100%;max-width:var(--maxw);padding-inline:var(--gutter);margin-inline:auto}.measure{max-width:var(--measure)}.page{padding-block:var(--space-6) var(--space-8)}.stack>*+*{margin-top:var(--space-6)}.band{background:var(--c-grey-25);border-block:1px solid var(--c-grey-50)}.band-navy{background:var(--c-navy);color:var(--c-white)}.band-navy h1,.band-navy h2,.band-navy h3,.band-navy a{color:var(--c-white)}.section{padding-block:var(--space-7)}.eyebrow{font-size:var(--fs-small);letter-spacing:.06em;text-transform:uppercase;color:var(--c-ink-muted);margin-bottom:var(--space-2);font-weight:700;display:inline-block}.band-navy .eyebrow{color:var(--c-teal)}.lede{color:var(--c-ink);font-size:1.2rem;line-height:1.55}.band-navy .lede{color:var(--c-white)}.muted{color:var(--c-ink-muted)}.small{font-size:var(--fs-small)}.rule{background:var(--c-teal);width:3.5rem;height:4px;margin:0 0 var(--space-4);border:0}.grid{gap:var(--space-4);grid-template-columns:1fr;display:grid}@media (min-width:640px){.grid-2,.grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (min-width:960px){.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}}@media (min-width:640px) and (max-width:959px){.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}}