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2;min-height:275px;background:#fff;position:relative;overflow:hidden}.tool-card:nth-child(4),.tool-card:nth-child(5){grid-column:span 3;min-height:235px}.tool-card:after{content:"→";position:absolute;right:20px;top:20px;color:#bed0d4;font-size:22px;transition:transform .2s,color .2s}.tool-card:hover:after{transform:translateX(4px);color:var(--accent)}.section--dark{position:relative;background:linear-gradient(145deg,#082c37,var(--primary-dark))}.section--dark:after{content:"";position:absolute;inset:0;background:linear-gradient(110deg,transparent 60%,rgba(255,255,255,.025) 60%);pointer-events:none}.steps{position:relative}.steps li{border-top:3px solid transparent}.steps li:hover{border-color:var(--accent)}#guides{background:#fff}.featured-guide{box-shadow:0 20px 50px rgba(0,43,55,.14)}.featured-guide__graphic.has-image{padding:0}.featured-guide__graphic.has-image:before,.featured-guide__graphic.has-image:after{display:none}.featured-guide__graphic img{width:100%;height:100%;min-height:420px;object-fit:cover}.guide-card__media{position:relative;aspect-ratio:8/5;display:grid;place-items:center;overflow:hidden;background:linear-gradient(145deg,#dcebee,#bfd5da)}.guide-card__media:before{content:"";position:absolute;width:260px;height:260px;border:1px solid rgba(0,78,100,.18);border-radius:50%;right:-70px;top:-100px;box-shadow:0 0 0 35px rgba(255,255,255,.12)}.guide-card__media:nth-child(1){color:var(--primary)}.guide-card__media img{width:100%;height:100%;object-fit:cover}.image-slot__mark{position:relative;z-index:1;color:var(--primary);font:800 34px/1 var(--font-display);letter-spacing:-1px}.guide-card:nth-child(2) .guide-card__media{background:linear-gradient(145deg,#f2e3e7,#e7bdc7)}.guide-card:nth-child(3) .guide-card__media{background:linear-gradient(145deg,#e7eaeb,#cbd5d8)}#about{background:linear-gradient(145deg,#edf3f4,#f8f9f9)}.trust-grid{grid-template-columns:.8fr 1.2fr;align-items:stretch}.trust-intro{display:flex;flex-direction:column}.trust-visual{position:relative;min-height:220px;margin-top:auto;border-radius:12px;display:grid;place-items:center;overflow:hidden;background:linear-gradient(145deg,var(--primary),var(--primary-dark));box-shadow:var(--soft-shadow)}.trust-visual:after{content:"";position:absolute;width:300px;height:300px;border:1px solid rgba(255,255,255,.18);border-radius:50%;right:-100px;bottom:-170px;box-shadow:0 0 0 55px rgba(255,255,255,.035)}.trust-visual .image-slot__mark{color:#fff;font-size:30px;line-height:1.05}.trust-visual img{width:100%;height:100%;object-fit:cover}.trust-points{grid-template-columns:repeat(2,1fr);grid-template-rows:repeat(3,1fr)}.trust-points article:last-child{grid-column:1/-1;display:grid;grid-template-columns:40px .6fr 1.4fr;align-items:center;gap:15px}.trust-points article:last-child h3{margin:0}.faq-section{background:#f9fafa}.faq-item{background:#fff;padding-inline:20px;border:1px solid var(--line);border-bottom:0}.faq-item:first-child{border-radius:10px 10px 0 0}.faq-item:last-child{border-bottom:1px solid var(--line);border-radius:0 0 10px 10px}.faq-item:has(button[aria-expanded="true"]){border-color:#9dbbc2;background:#fbfefe}.decision-cta{position:relative;overflow:hidden;background:linear-gradient(115deg,var(--primary),var(--primary-dark))}.decision-cta:after{content:"";position:absolute;width:400px;height:400px;right:-120px;top:-230px;border:1px solid rgba(255,255,255,.13);border-radius:50%;box-shadow:0 0 0 60px rgba(255,255,255,.025)}.decision-inner{position:relative;z-index:1}.card-arrow,.text-link span,.section-link span,.comparison-card a span,.tool-card a span{display:inline-block;transition:transform .2s}.topic-card:hover .card-arrow,.text-link:hover span,.section-link a:hover span,.comparison-card a:hover span,.tool-card a:hover span{transform:translateX(4px)}
.reveal-ready{opacity:0;transform:translateY(22px)}.reveal-ready.is-visible{opacity:1;transform:none;transition:opacity .55s ease,transform .55s ease}
@media(max-width:1180px){.wordmark{min-width:160px}.header-inner{gap:14px}.primary-nav ul{gap:12px}.primary-nav a{font-size:12px}.hero-grid{grid-template-columns:1.1fr .9fr}.situation-list{grid-template-columns:repeat(2,1fr)}}
@media(max-width:1050px){.wordmark{min-width:0}.hero-grid{grid-template-columns:1fr .8fr}.tools-grid{grid-template-columns:repeat(2,1fr)}.tool-card,.tool-card:nth-child(4),.tool-card:nth-child(5){grid-column:span 1}.situations-grid{grid-template-columns:.7fr 1.3fr}.trust-grid{gap:40px}}
@media(max-width:760px){.hero-grid{display:block}.hero-visual{min-height:390px}.hero-photo-placeholder p{right:7%;top:10%}.car-shape{width:235px}.situations-grid{grid-template-columns:1fr}.situations-intro{position:static}.situation-list{grid-template-columns:1fr 1fr}.situation-list a{min-height:105px}.tools-grid{grid-template-columns:1fr}.tool-card,.tool-card:nth-child(4),.tool-card:nth-child(5){grid-column:auto;min-height:220px}.featured-guide__graphic,.featured-guide__graphic img{min-height:300px}.trust-grid{grid-template-columns:1fr}.trust-visual{min-height:230px;margin-top:25px}.trust-points article:last-child{display:block}.reveal-ready{transform:translateY(14px)}}
@media(max-width:480px){.situation-list{grid-template-columns:1fr}.situation-list a{min-height:92px}.hero-photo-placeholder p{display:none}.car-shape{transform:translate(-50%,-50%) scale(.82)}}

.cookie-settings-link{border:0;padding:0;background:none;color:inherit;font:inherit;font-size:12px;cursor:pointer}.cookie-settings-link:hover{text-decoration:underline}.cookie-banner{position:fixed;z-index:1000;right:18px;bottom:18px;left:18px;display:flex;align-items:center;justify-content:space-between;gap:28px;max-width:1100px;margin:auto;padding:22px;border:1px solid #bdd0d5;border-radius:12px;background:#fff;color:var(--ink);box-shadow:0 18px 60px rgba(0,43,55,.24)}.cookie-banner[hidden]{display:none}.cookie-banner h2{margin:0 0 6px;font-size:22px}.cookie-banner p{margin:0;color:var(--muted)}.cookie-actions{display:flex;flex:0 0 auto;gap:10px}.cookie-actions .button--light{border:1px solid var(--primary);color:var(--primary)}
@media(max-width:760px){.cookie-banner{right:10px;bottom:10px;left:10px;align-items:stretch;flex-direction:column;padding:18px;overflow-wrap:anywhere}.cookie-actions{display:grid;grid-template-columns:1fr}.cookie-actions .button{width:100%;padding-inline:10px;text-align:center}}
.contact-form{display:grid;gap:18px}.form-field{display:grid;gap:6px}.form-field label,.form-check label{font-weight:700}.form-field input,.form-field textarea{width:100%;padding:12px;border:1px solid #8aa6ad;border-radius:7px;background:#fff;color:var(--ink);font:inherit}.form-field [aria-invalid="true"]{border-color:#a4132f}.field-error{margin:0;color:#8b1028;font-weight:700}.form-check{display:grid;grid-template-columns:auto 1fr;gap:10px;align-items:start}.form-check input{margin-top:5px}.form-status{margin-bottom:18px;padding:14px;border-radius:7px;font-weight:700}.form-status--success{background:#e4f4ec;color:#145c3c}.form-status--error{background:#fbe8ec;color:#80152b}.honeypot{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}
@media(prefers-reduced-motion:reduce){.reveal-ready{opacity:1;transform:none}.reveal-ready.is-visible{transition:none}.topic-card,.comparison-card,.tool-card,.guide-card,.trust-points article{transition:none}}

/* Keep photography clear; blend only its left edge into the content panel. */
.hero-visual.has-image{background-image:linear-gradient(90deg,rgba(0,55,71,.18) 0,rgba(0,55,71,.07) 14%,transparent 28%),var(--hero-image)}
.hero-visual.has-image:before,.hero-visual.has-image:after{display:none}

/* Phase 2 inner-page and editorial patterns */
.journey-grid--three{grid-template-columns:repeat(3,1fr)}
.breadcrumbs{background:#f4f7f7;border-bottom:1px solid var(--line);font-size:13px}.breadcrumbs ol{display:flex;gap:10px;align-items:center;list-style:none;margin:0 auto;padding-block:12px}.breadcrumbs li+li:before{content:"/";margin-right:10px;color:#8c989d}.breadcrumbs a{text-decoration:none;color:var(--primary);font-weight:700}.inner-hero{position:relative;overflow:hidden;background:linear-gradient(135deg,var(--primary-dark),var(--primary));color:#fff;padding:78px 0}.inner-hero--compact{padding:58px 0}.inner-hero:after{content:"";position:absolute;width:560px;height:560px;right:-180px;top:-320px;border:1px solid rgba(255,255,255,.11);border-radius:50%;box-shadow:0 0 0 70px rgba(255,255,255,.025)}.inner-hero__grid{position:relative;z-index:1;display:grid;grid-template-columns:1.35fr .65fr;gap:80px;align-items:center}.inner-hero h1{font:700 clamp(46px,5.3vw,72px)/1.02 var(--font-display);letter-spacing:-1.5px;margin:0 0 20px}.inner-hero__intro{max-width:780px;color:#d5e5e9;font-size:19px;margin:0}.inner-hero .button-row{margin-top:28px}.inner-hero__panel{position:relative;min-height:260px;display:grid;place-items:center;border:1px solid rgba(255,255,255,.18);background:rgba(255,255,255,.055);overflow:hidden}.inner-hero__panel span{position:relative;z-index:1;display:grid;place-items:center;width:125px;height:125px;border-radius:50%;background:#fff;color:var(--primary);font:800 33px/1 var(--font-display)}.inner-hero__panel i{position:absolute;width:240px;height:240px;border:1px solid rgba(255,255,255,.16);border-radius:50%}.inner-hero__panel i:last-child{width:330px;height:330px}.hub-section{padding:76px 0}.hub-section--tint{background:var(--near-white)}.hub-section--teal{background:var(--tint)}.hub-intro{max-width:820px;margin-bottom:34px}.hub-intro h2,.content-section h2,.related-section h2{font:700 clamp(32px,3.8vw,48px)/1.08 var(--font-display);letter-spacing:-.8px;margin:0 0 14px}.hub-intro p,.content-section>p{color:var(--muted)}.hub-card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.hub-card{position:relative;padding:26px;border:1px solid var(--line);border-top:3px solid var(--primary);background:#fff;box-shadow:0 4px 16px rgba(0,43,55,.045);transition:transform .2s,border-color .2s,box-shadow .2s}.hub-card:hover,.hub-card:focus-within{transform:translateY(-3px);border-color:var(--accent);box-shadow:var(--soft-shadow)}.hub-card .eyebrow{margin-bottom:16px}.hub-card h3{font:700 25px/1.15 var(--font-display);margin:0 0 10px}.hub-card p{color:var(--muted);font-size:15px}.hub-card a{color:var(--accent);font-weight:800;text-decoration:none}.journey-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}.journey-grid article{background:#fff;padding:25px}.journey-grid span{color:var(--accent);font-size:12px;font-weight:900}.journey-grid h3{font:700 22px/1.18 var(--font-display);margin:15px 0 8px}.journey-grid p{color:var(--muted);font-size:14px;margin:0}.link-list{display:grid;grid-template-columns:1fr 1fr;gap:10px 24px}.link-list a{display:flex;justify-content:space-between;gap:15px;padding:15px 0;border-bottom:1px solid var(--line);font-weight:700;text-decoration:none}.link-list a span{color:var(--accent)}.comparison-table-wrap{overflow-x:auto;margin:30px 0;border:1px solid var(--line);background:#fff}.comparison-table{width:100%;min-width:880px;border-collapse:collapse;text-align:left}.comparison-table caption{padding:18px;text-align:left;font-weight:800;color:var(--primary)}.comparison-table th,.comparison-table td{padding:16px;border-bottom:1px solid var(--line);vertical-align:top}.comparison-table thead th{background:var(--primary-dark);color:#fff}.comparison-table tbody th{font-family:var(--font-display);font-size:18px;color:var(--primary)}.comparison-table tr:last-child td,.comparison-table tr:last-child th{border-bottom:0}.editorial-status{display:flex;gap:14px;align-items:flex-start;padding:18px 20px;border:1px solid #b9d1d6;background:#f2f8f9;margin:28px 0}.editorial-status>span{display:grid;place-items:center;flex:0 0 32px;height:32px;border-radius:50%;background:var(--primary);color:#fff;font-weight:900}.editorial-status strong{color:var(--primary)}.editorial-status p{margin:2px 0 0;color:var(--muted);font-size:14px}.article-shell{display:grid;grid-template-columns:285px minmax(0,820px);gap:70px;align-items:start;padding:65px 0 85px}.article-sidebar{position:sticky;top:112px}.article-contents{border:1px solid var(--line);border-top:4px solid var(--accent);background:#fff;padding:22px}.article-contents h2{font:700 22px/1.2 var(--font-display);margin:0 0 15px}.article-contents ol{list-style:none;padding:0;margin:0}.article-contents li{border-top:1px solid var(--line)}.article-contents a{display:block;padding:9px 0;font-size:13px;font-weight:700;text-decoration:none}.article-contents a:hover{color:var(--accent)}.article-body{min-width:0}.article-body>p:first-of-type{font-size:20px;color:#3d4b51}.content-section{padding-top:26px;margin-top:26px;border-top:1px solid var(--line)}.content-section:first-of-type{margin-top:0}.content-section h2{scroll-margin-top:110px}.content-section h3{font:700 25px/1.2 var(--font-display);margin:28px 0 8px}.content-section p,.content-section li{color:#46555b}.content-section li+li{margin-top:7px}.definition-list{display:grid;grid-template-columns:1fr 1fr;gap:12px}.definition-list>div{padding:18px;border-left:4px solid var(--primary);background:var(--near-white)}.definition-list dt{font-weight:900;color:var(--primary)}.definition-list dd{margin:5px 0 0;color:var(--muted)}.callout{margin:30px 0;padding:24px;border-left:5px solid var(--primary);background:#eef6f7}.callout--warning{border-color:var(--accent);background:#fff1f4}.callout--example{border-color:#63777e;background:#f3f5f5}.callout__label{margin:0 0 7px!important;color:var(--primary)!important;font-size:11px!important;font-weight:900;text-transform:uppercase;letter-spacing:1.2px}.callout--warning .callout__label{color:var(--accent)!important}.callout h2{font-size:25px;margin-bottom:8px}.callout p:last-child{margin:0}.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:30px 0}.pros-cons section{padding:24px;border:1px solid var(--line);background:#fff}.pros-cons section:first-child{border-top:4px solid var(--primary)}.pros-cons section:last-child{border-top:4px solid var(--accent)}.pros-cons h2{font:700 25px/1.2 var(--font-display);margin:0 0 14px}.pros-cons ul{margin:0;padding-left:20px}.faq-inline{margin:25px 0}.related-section{padding:70px 0}.article-body .related-section{padding:45px 0 10px}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.related-card{position:relative;display:flex;flex-direction:column;min-height:150px;padding:22px;border:1px solid var(--line);background:#fff;text-decoration:none;transition:transform .2s,border-color .2s}.related-card:hover{transform:translateY(-3px);border-color:var(--accent)}.related-card span{color:var(--accent);font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:1px}.related-card strong{font:700 22px/1.18 var(--font-display);margin-top:12px;padding-right:20px}.related-card i{position:absolute;right:20px;bottom:16px;color:var(--accent);font-style:normal}.inner-cta{padding:66px 0;background:linear-gradient(120deg,var(--primary),var(--primary-dark));color:#fff}.inner-cta__grid{display:flex;justify-content:space-between;gap:60px;align-items:center}.inner-cta h2{font:700 clamp(34px,4vw,50px)/1.05 var(--font-display);margin:0 0 12px}.inner-cta p:not(.eyebrow){max-width:720px;color:#d6e7ea;margin:0}.tool-detail-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.tool-detail{padding:28px;border:1px solid var(--line);background:#fff}.tool-detail:first-child{grid-column:1/-1}.tool-detail h2{font:700 29px/1.15 var(--font-display);margin:12px 0}.tool-detail h3{font-size:14px;margin:20px 0 5px;color:var(--primary)}.tool-detail p{color:var(--muted)}.status-badge{display:inline-block;padding:6px 10px;background:#f9dbe2;color:var(--accent);font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:1px}.application-page{padding:70px 0;background:var(--near-white)}.application-page__grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:60px}.preparation-list{list-style:none;padding:0}.preparation-list li{padding:13px 0;border-bottom:1px solid var(--line)}.preparation-list li:before{content:"✓";color:var(--accent);font-weight:900;margin-right:10px}
@media(max-width:1050px){.inner-hero__grid{grid-template-columns:1fr .5fr;gap:40px}.article-shell{grid-template-columns:240px minmax(0,1fr);gap:40px}.hub-card-grid{grid-template-columns:1fr 1fr}.journey-grid{grid-template-columns:1fr 1fr}.related-grid{grid-template-columns:1fr 1fr}}
@media(max-width:768px){.inner-hero{padding:58px 0}.inner-hero__grid{grid-template-columns:1fr}.inner-hero__panel{display:none}.article-shell{grid-template-columns:1fr;padding-top:35px}.article-sidebar{position:static}.article-contents{max-height:320px;overflow:auto}.hub-card-grid,.tool-detail-grid,.application-page__grid{grid-template-columns:1fr}.tool-detail:first-child{grid-column:auto}.journey-grid{grid-template-columns:1fr}.link-list{grid-template-columns:1fr}.definition-list,.pros-cons{grid-template-columns:1fr}.related-grid{grid-template-columns:1fr}.inner-cta__grid{align-items:flex-start;flex-direction:column}.comparison-table-wrap{margin-inline:0}.comparison-table-wrap:focus{outline:3px solid #ffb0c1;outline-offset:3px}}
.journey-grid.journey-grid--three{grid-template-columns:repeat(3,1fr)}
@media(max-width:768px){.journey-grid.journey-grid--three{grid-template-columns:1fr}}

/* Phase 3 company, policy and commercial-journey patterns */
.application-form-column{min-width:0}.application-embed{width:100%;min-width:0}.application-frame{display:block;width:100%;height:865px;min-height:865px;border:0;border-radius:12px;background:#fff}.application-fallback{margin:14px 0 0;font-size:14px}.application-fallback a{color:var(--accent);font-weight:800}.policy-content{max-width:860px}.policy-content h2,.policy-layout h2{font:700 clamp(30px,3.5vw,44px)/1.1 var(--font-display);margin:48px 0 14px;scroll-margin-top:110px}.policy-content h2:first-of-type,.policy-layout h2:first-child{margin-top:0}.policy-content h3,.policy-layout h3{font:700 24px/1.2 var(--font-display);margin:28px 0 8px}.policy-content p,.policy-content li,.policy-layout p{color:#46555b}.policy-content li+li{margin-top:7px}.policy-layout{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:start}.policy-layout address{font-style:normal}.policy-note,.policy-warning{padding:20px;border-left:4px solid var(--primary);background:var(--tint)}.policy-warning{display:block;margin:25px 0 38px;border-color:var(--accent);background:#fff1f4}.policy-warning p{margin:6px 0 0}.policy-updated{padding-bottom:16px;border-bottom:1px solid var(--line)}.disclosure p+p{margin-top:8px}.footer-bottom nav{flex-wrap:wrap}
@media(max-width:768px){.policy-layout{grid-template-columns:1fr;gap:35px}.application-frame{height:865px;min-height:865px}.application-page{padding-top:48px}.application-form-column{padding-top:10px}}