*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Arial,Helvetica,sans-serif;background:#FFFFFF;color:#0C1B24;line-height:1.6}
img{max-width:100%;height:auto;display:block}
.skip-link{position:absolute;left:-999px;top:0;background:#12598B;color:#FFFFFF;padding:10px 16px;z-index:999}
.skip-link:focus{left:10px;top:10px}
ul{list-style:none;margin:0;padding:0}
a{text-decoration:none;color:inherit}
.site-head{background:#001624;position:sticky;top:0;z-index:500;width:100%}
.topbar{display:flex;align-items:center;justify-content:space-between;max-width:1200px;margin:0 auto;padding:12px 10px;min-width:0}
.topbar img{flex-shrink:0}
.hamburger{display:flex;flex-direction:column;justify-content:center;align-items:center;background:transparent;border:none;width:44px;height:44px;padding:8px;cursor:pointer}
.hamburger span{display:block;width:24px;height:3px;background:#685634;margin:3px 0;transition:transform .3s,opacity .3s}
.hamburger:hover span,.hamburger:focus span{background:#FFDFA0}
.desknav{display:none;align-items:center}
.navlist{display:flex;align-items:center}
.navlist>li{position:relative;margin-left:28px}
.navlist>li>a,.navlist>li>span.active{color:#E9F0F4;font-size:15px;padding:8px 0}
.navlist>li>a:hover{color:#685634}
.hasdrop{display:flex;align-items:center;cursor:default}
.dropicon{color:#E9F0F4;margin-left:6px;width:16px;height:16px;display:flex;align-items:center;justify-content:center;transition:transform .25s}
.hasdrop:hover .dropicon{transform:rotate(180deg)}
.subnav{display:none;position:absolute;top:calc(100% + 1px);left:0;background:#00202F;padding:8px 0;list-style:none;margin:0}
.hasdrop:hover .subnav{display:block}
.subnav li a{display:block;padding:10px 18px;white-space:nowrap;color:#E9F0F4;font-size:14px}
.subnav li a:hover{background:#12598B}
.deskauth{display:flex;margin-left:32px}
.btnghost,.btnfill{display:inline-block;padding:10px 18px;border-radius:6px;font-size:14px;font-weight:700;margin-left:10px;transition:opacity .25s,transform .2s}
.btnfill{background:#12598B;color:#FFFFFF;border:2px solid #12598B}
.btnfill:hover{opacity:.88;transform:translateY(-1px)}
.btnghost{background:transparent;color:#685634;border:2px solid #685634}
.btnghost:hover{background:rgba(242,200,121,.12)}
.mobmenu{display:none;position:fixed;top:0;left:0;width:100%;height:100%;background:#001624;flex-direction:column;z-index:700;overflow-y:auto}
.mobmenu.open{display:flex}
.mobtop{display:flex;align-items:center;justify-content:space-between;padding:14px 16px}
.closebtn{background:transparent;border:none;color:#E9F0F4;font-size:32px;line-height:1;cursor:pointer;padding:6px 10px}
.mobnavlist{display:flex;flex-direction:column;padding:0 16px}
.mobnavlist>li{margin-bottom:6px}
.mobnavlist>li>a,.mobnavlist>li>span.active{display:block;color:#E9F0F4;padding:12px 0;font-size:16px}
.mob-parent-row{display:flex;align-items:center}
.mob-parent-row a{flex:1;color:#E9F0F4;padding:12px 0;font-size:16px}
.mobarrow{width:32px;height:32px;display:flex;align-items:center;justify-content:center;color:#685634;transition:transform .25s;flex-shrink:0}
.mobarrow.mob-arr-open{transform:rotate(180deg)}
.mobsubnav{display:none;padding-left:24px}
.mobsubnav.open{display:block}
.mobsubnav li a{display:block;padding:10px 0;color:#B9C8D1;font-size:15px}
.mobauth{display:flex;padding:16px;margin-top:8px}
.mobauth a{flex:1;text-align:center}
.mobile-overlay{display:none;position:fixed;inset:0;background:rgba(0,0,0,.55);z-index:600}
.mobile-overlay.active{display:block}
.bonushero{max-width:900px;margin:0 auto;padding:60px 20px;text-align:center;background:#D9A94E}
.bonushero h1{font-size:clamp(30px,5.5vw,48px);color:#00202F;margin-bottom:16px}
.bonushero p{font-size:clamp(14px,1.8vw,17px);color:#15252D;margin-bottom:24px;max-width:640px;margin-left:auto;margin-right:auto}
.bannercta{display:flex;justify-content:center;gap:14px;flex-wrap:wrap}
.bonushero .btnghost{color:#00202F;border-color:#00202F}
.bonushero .btnghost:hover{background:rgba(0,32,47,.1)}
.pageblock{max-width:1200px;margin:0 auto;padding:56px 20px}
.pageblock h2{font-size:clamp(22px,3.5vw,30px);color:#00202F;margin-bottom:20px}
.pageblock h3{font-size:18px;color:#00202F;margin-bottom:8px}
.pageblock p{margin-bottom:16px;font-size:15px;color:#1A2E38}
.ctawrap{display:flex;justify-content:center;gap:14px;flex-wrap:wrap;margin-top:20px}
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin-top:24px}
table{border-collapse:collapse;width:100%;min-width:480px}
th,td{padding:12px 16px;text-align:left;border-bottom:1px solid #D7E1E6;font-size:14px}
thead th{background:#12598B;color:#FFFFFF}
caption{caption-side:bottom;font-size:12px;color:#43535C;padding-top:8px}
.tiergrid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:24px;min-width:0}
.eliggrid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:24px;min-width:0}
.tiercard,.eligcard{background:#F4F7F9;border-radius:10px;padding:20px;box-shadow:0 4px 14px rgba(0,22,36,.12);position:relative;min-width:0;display:flex;flex-direction:column}
.badge{position:absolute;top:16px;right:16px;font-size:11px;font-weight:700;padding:4px 10px;border-radius:20px}
.badgeincluded{background:#D9A94E;color:#001620}
.badgeexcluded{background:#8A2E2E;color:#FFFFFF}
.badgeneutral{background:#12598B;color:#FFFFFF}
.checklist{margin-top:8px;margin-bottom:16px}
.checklist li{font-size:13px;color:#2B3D46;padding-left:18px;position:relative;margin-bottom:6px}
.checklist li::before{content:"✓";position:absolute;left:0;color:#0F4C76;font-weight:700}
.cardcta{margin-top:auto;background:#12598B;color:#FFFFFF;text-align:center;padding:9px 14px;border-radius:6px;font-size:13px;font-weight:700;transition:opacity .25s}
.cardcta:hover{opacity:.88}
.faqlist{margin-top:20px;display:flex;flex-direction:column;gap:12px}
.faqitem{background:#F4F7F9;border-radius:10px;padding:16px 20px}
.faqitem summary{font-size:15px;font-weight:700;color:#00202F;cursor:pointer;list-style:none}
.faqitem summary::-webkit-details-marker{display:none}
.faqitem summary::after{content:"+";float:right;font-size:18px;color:#0F4C76}
.faqitem[open] summary::after{content:"−"}
.faqitem p{margin-top:12px;margin-bottom:0;font-size:14px}
.site-foot{background:#001624;padding:40px 20px 30px}
.footcols{max-width:1200px;margin:0 auto 24px}
.compliancenav ul{display:flex;flex-wrap:wrap;justify-content:center;gap:20px}
.compliancenav a{color:#CFE0E9;font-size:13px}
.compliancenav a:hover{color:#685634}
.carouselrow{max-width:1200px;margin:0 auto 18px;display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:28px;padding:14px 0;border-top:1px solid #0D3A50}
.trustrow{max-width:1200px;margin:0 auto 18px;display:flex;flex-wrap:wrap;justify-content:flex-start;align-items:center;gap:20px}
.licenseblock{max-width:1200px;margin:0 auto;padding-top:20px;border-top:1px solid #0D3A50}
.licenseblock p{color:#B9C8D1;font-size:12px;line-height:1.7}
@media(min-width:1081px){
.desknav{display:flex}
.hamburger{display:none}
.mobmenu{display:none!important}
}
@media(max-width:1080px){
.eliggrid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:768px){
.tiergrid{grid-template-columns:1fr}
}
@media(max-width:480px){
.eliggrid{grid-template-columns:1fr}
.pageblock{padding:40px 14px}
table{font-size:12px}
th,td{padding:8px 10px}
}
@media(max-width:320px){
table{font-size:11px}
th,td{padding:6px 8px}
}
@media(prefers-reduced-motion:reduce){
*{transition:none!important;animation:none!important}
}