@font-face{font-family:'Open Sans';src:url('/fonts/open-sans-400.woff2')}@font-face{font-family:'Open Sans';font-weight:600;src:url('/fonts/open-sans-600.woff2')}@font-face{font-family:'Open Sans';font-weight:700;src:url('/fonts/open-sans-700.woff2')}@font-face{font-family:'Open Sans';font-weight:800;src:url('/fonts/open-sans-800.woff2')}
:root{--primary:#2878e8;--dark:#1f65c7;--ink:#172033;--pale:#eef5ff;--line:#d9e9ff}*{box-sizing:border-box}body{margin:0;color:var(--ink);background:white;font:16px/1.65 'Open Sans',sans-serif}a{color:var(--dark);text-underline-offset:4px}a:focus-visible{outline:3px solid var(--primary);outline-offset:5px}.skip{position:absolute;left:-999px}.skip:focus{left:16px;background:white;padding:12px;z-index:3}.wrap{max-width:1180px;margin:auto;padding:0 32px}header{border-bottom:1px solid var(--line)}nav{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:24px 0}.brand{text-decoration:none;color:var(--ink);font-size:22px;font-weight:800}.brand span{color:var(--primary)}.navlinks{display:flex;gap:28px;font-size:14px;font-weight:600}.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:12px;font-weight:800;color:var(--dark)}.hero{padding:88px 0 80px;background:linear-gradient(130deg,#eef5ff,white 80%)}h1{font-size:clamp(40px,6vw,72px);line-height:1.1;letter-spacing:-.045em;font-weight:800;max-width:850px;margin:24px 0}h2{font-size:32px;line-height:1.25;letter-spacing:-.025em}.lead{font-size:21px;max-width:650px;color:#475569}.button{display:inline-block;padding:13px 22px;border-radius:8px;background:var(--dark);color:white;text-decoration:none;font-weight:700;margin-top:20px}.section{padding:64px 0}.section+.section{border-top:1px solid var(--line)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.card{padding:28px;border:1px solid var(--line);border-radius:12px;background:white}.card h3{font-size:21px;line-height:1.35}.muted{color:#526176}.number{font-weight:800;color:var(--primary);font-size:14px}.notice{padding:24px;border-radius:10px;background:var(--pale)}article{max-width:760px;margin:auto;padding:64px 24px}footer{background:#13294a;color:white;padding:35px 0;font-size:13px}footer a{color:#b9d7ff}.foot{display:flex;justify-content:space-between;gap:24px}.draft{background:#fff7df;padding:10px;text-align:center;font-size:13px} @media(max-width:700px){.wrap{padding:0 20px}.hero{padding:52px 0}.grid{grid-template-columns:1fr}.navlinks{gap:15px;font-size:12px}nav{align-items:flex-start}.brand{font-size:18px}.lead{font-size:18px}.foot{display:block}.section{padding:42px 0}}

article h1{font-size:clamp(30px,4.5vw,48px);line-height:1.18}article h2{font-size:25px;margin-top:32px}.data-scope,.disclaimer{font-size:14px;color:#526176;background:#eef5ff;padding:16px;border-radius:8px}.checklist{padding-left:16px}article a{overflow-wrap:anywhere}

/* SimplFlow AppHeader: frosted white 70%, 64px row, subtle border/shadow. */
header{position:sticky;top:0;z-index:50;isolation:isolate;border-bottom:1px solid rgba(255,255,255,.2);box-shadow:0 1px 3px rgba(15,23,42,.1)}header:before{content:"";position:absolute;inset:0;z-index:-1;background:rgba(255,255,255,.7);backdrop-filter:blur(40px);-webkit-backdrop-filter:blur(40px)}header nav{min-height:64px;padding:0;gap:16px}header .brand{color:#1f65c7;display:flex;align-items:center;min-height:44px}header .navlinks{gap:8px;align-items:center}header .navlinks a{display:flex;align-items:center;justify-content:center;min-height:44px;min-width:44px;padding:0 10px;border-radius:8px;text-decoration:none}header .navlinks a:hover{background:#eef5ff}.social-short{display:none}#main,#articles,#approach{scroll-margin-top:80px}.skip:focus{position:fixed;top:8px;z-index:100}@media(max-width:700px){header .wrap{padding:0 12px}header nav{flex-direction:column;align-items:stretch;gap:0}header .brand{justify-content:center}header .navlinks{justify-content:space-between;gap:0;font-size:12px;padding-bottom:4px}header .navlinks a{padding:0 6px}.social-short{display:inline}.social-full{display:none}#main,#articles,#approach{scroll-margin-top:112px}}

/* Supplied signature logo and portrait, kept at their original proportions. */
header nav{min-height:88px}header .brand{flex-shrink:0;padding:5px 0}header .brand img{display:block;width:120px;height:auto}.hero-grid{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(0,.85fr);align-items:center;gap:60px}.hero{padding:56px 0}.hero h1{font-size:clamp(40px,4.7vw,64px)}.portrait-frame{max-width:340px;justify-self:end;border-radius:20px;overflow:hidden;box-shadow:0 16px 48px rgba(19,41,74,.12)}.portrait-frame img{display:block;width:100%;height:auto}#main,#articles,#approach{scroll-margin-top:104px}
@media(max-width:700px){header nav{flex-direction:row;align-items:center;gap:8px;min-height:84px}header .brand img{width:110px}header .navlinks{padding-bottom:0;gap:0}header .navlinks a{padding:0 5px}.hero-grid{grid-template-columns:1fr;gap:32px}.hero{padding:36px 0 44px}.portrait-frame{justify-self:center;width:100%;max-width:280px}.hero-copy h1{font-size:clamp(38px,9vw,52px)}#main,#articles,#approach{scroll-margin-top:100px}}

/* Brokerage mark retains its supplied navy circle; only portrait is mirrored. */
.portrait-frame img{transform:scaleX(-1)}.brokerage-logo{display:block;width:92px;height:92px;border-radius:50%;margin:0 0 24px;object-fit:contain}.hero{padding-top:48px;padding-bottom:56px}@media(max-width:700px){.brokerage-logo{width:80px;height:80px;margin-bottom:24px}.hero{padding-top:32px;padding-bottom:44px}}

/* Paired identity marks stay together; navigation gets its own row on phones. */
.brand-group{display:flex;align-items:center;gap:20px;flex-shrink:0}header .brokerage-logo{width:72px;height:72px;margin:0}header .brand-group .brand{padding:5px 0}
@media(max-width:700px){header nav{flex-direction:column;gap:2px;padding:5px 0 4px}header .brand-group{justify-content:center;gap:20px}header .brand-group .brand img{width:110px}header .brokerage-logo{width:68px;height:68px}header .navlinks{align-self:stretch;justify-content:center;gap:14px}#main,#articles,#approach{scroll-margin-top:148px}}



.mnd-section{background:#f5f8fd;border-bottom:1px solid var(--line);padding:32px 0}.mnd-layout{display:grid;grid-template-columns:minmax(0,1fr) 576px;gap:48px;align-items:start}.mnd-context{padding-top:28px;max-width:340px}.mnd-context .eyebrow{margin:0}.mnd-context h2{font-size:32px;line-height:1.2;letter-spacing:-.8px;margin:12px 0 16px}.mnd-intro{font-size:15px;color:#526176;line-height:1.65}.mnd-tools{display:flex;align-items:stretch;gap:16px}.mnd-card{width:280px;flex:0 0 280px;box-sizing:border-box;padding:14px;background:#fff;border:1px solid #dfe7f2;border-radius:16px;box-shadow:0 4px 18px #223c6010}.mnd-provider{width:250px}.mnd-caption{font-size:11px;line-height:1.6;color:#526176;margin:16px 0 0}.mnd-source{display:inline-block;font-size:11px;margin-top:8px;min-height:32px}.mnd-info{margin-top:20px;font-size:12px;color:#526176}.mnd-info summary{display:flex;gap:8px;align-items:center;min-height:44px;cursor:pointer;color:#245da2;font-weight:600;list-style:none;width:fit-content;border-radius:8px;padding:0 8px 0 0}.mnd-info summary::-webkit-details-marker{display:none}.mnd-info summary:after{content:'+';font-size:18px;margin-left:6px}.mnd-info[open] summary:after{content:'−'}.mnd-info summary:focus-visible{outline:3px solid #2878e8;outline-offset:4px}.mnd-info-icon{display:grid;place-items:center;width:22px;height:22px;border:1.5px solid currentColor;border-radius:50%;font-family:Georgia,serif;font-size:15px}.mnd-info-body{line-height:1.7;border-top:1px solid #dfe7f2}.mnd-info-body p{margin:12px 0}.mnd-section a{overflow-wrap:anywhere}@media(max-width:1000px){.mnd-layout{grid-template-columns:1fr;gap:20px}.mnd-context{max-width:576px;padding-top:0;margin:auto;width:100%}.mnd-context h2 br{display:none}.mnd-context h2 br:after{content:' '}.mnd-tools{justify-content:center}.mnd-info{margin-top:4px}}@media(max-width:700px){.mnd-section{padding:24px 0}.mnd-context h2{font-size:26px}.mnd-intro{font-size:13px;margin-bottom:4px}.mnd-tools{flex-direction:column;align-items:center;gap:16px}.mnd-card{flex-basis:auto}.mnd-layout{gap:12px}.mnd-info-body{font-size:12px}}

.mnd-info-mobile{display:none}@media(max-width:700px){.mnd-info-desktop{display:none}.mnd-info-mobile{display:block}}

.mnd-layout{display:block}.mnd-context{max-width:none;padding-top:0}.mnd-context h2 br{display:none}.mnd-context h2{margin:10px 0}.mnd-info{max-width:650px}.mnd-tools{margin-top:24px;justify-content:center}.mnd-card:first-child{width:680px;flex-basis:680px}.mnd-card:first-child .mnd-provider{width:650px}.small-rates{display:none}@media(max-width:1040px){.mnd-tools{flex-direction:column;align-items:center}}@media(max-width:720px){.wide-rates{display:none}.small-rates{display:block}.mnd-card:first-child{width:280px;flex-basis:auto}.mnd-card:first-child .mnd-provider{width:250px}}
.mnd-card .mnd-info-body{display:grid;grid-template-columns:1fr 1fr;gap:0 20px}.mnd-card .mnd-info-body p:first-child{grid-column:1/-1}.mnd-card .mnd-info{margin-top:4px}.mnd-context .mnd-intro{margin:0}.mnd-context h2{font-size:28px}@media(max-width:720px){.mnd-context h2{font-size:26px}}