:root{--navy:#102d45;--teal:#087f83;--green:#88b91f;--gold:#f4b942;--red:#ee4b3c;--blue:#45b9e8;--ink:#173042;--paper:#fbfdfc;--line:#dbe7e6;--muted:#60737f;--shadow:0 18px 45px rgba(16,45,69,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.65;font-size:17px}a{color:inherit}.wrap{width:min(1120px,calc(100% - 40px));margin:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:12px;background:white;padding:10px 14px;z-index:10}.site-head{background:white;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}.nav{display:flex;align-items:center;justify-content:space-between;gap:28px;min-height:92px}.logo{width:92px;height:92px;object-fit:contain;object-position:left center}.navlinks{display:flex;align-items:center;gap:20px;font-weight:750;font-size:14px}.navlinks a{text-decoration:none}.navlinks a:hover,.navlinks a:focus{color:var(--teal)}.home-link{background:var(--navy);color:white!important;border-radius:999px;padding:10px 16px}.topic-hero{position:relative;overflow:hidden;padding:82px 0 70px;background-image:linear-gradient(90deg,rgba(251,253,252,.98) 0%,rgba(251,253,252,.90) 48%,rgba(251,253,252,.36) 76%,rgba(251,253,252,.18) 100%),var(--page-image);background-size:cover;background-position:center}.topic-hero:after{content:"";position:absolute;width:420px;height:420px;border-radius:50%;right:-110px;top:-150px;background:conic-gradient(from 30deg,var(--green),var(--gold),var(--red),var(--blue),var(--teal),var(--green));opacity:.16;pointer-events:none}.kicker{text-transform:uppercase;letter-spacing:.13em;font-size:13px;font-weight:850;color:var(--teal)}h1,h2,h3{color:var(--navy);line-height:1.12}h1{font-size:clamp(43px,6vw,76px);max-width:890px;margin:14px 0 20px;letter-spacing:-.045em}h2{font-size:clamp(30px,4vw,46px);margin:0 0 16px}h3{font-size:22px;margin:0 0 9px}.lede{font-size:21px;max-width:800px;color:#486170}.topic-nav{display:flex;gap:10px;flex-wrap:wrap;margin-top:28px}.topic-nav a{background:white;border:1px solid var(--line);border-radius:999px;padding:9px 14px;text-decoration:none;font-size:14px;font-weight:750;box-shadow:0 7px 20px rgba(16,45,69,.06)}.topic-nav a[aria-current="page"]{background:var(--teal);color:white;border-color:var(--teal)}section{padding:74px 0}.intro-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:start}.callout{background:var(--navy);color:white;padding:30px;border-radius:26px;box-shadow:var(--shadow)}.callout h2,.callout h3{color:white}.callout p{color:#dcebf1}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:white;border:1px solid var(--line);border-radius:22px;padding:25px;box-shadow:var(--shadow)}.card:before{content:"";display:block;width:54px;height:6px;border-radius:20px;background:linear-gradient(90deg,var(--green),var(--gold),var(--red),var(--blue));margin-bottom:20px}.soft{background:#f1f7f5}.question-list{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:26px}.question{background:white;border:1px solid var(--line);border-left:5px solid var(--teal);border-radius:14px;padding:18px;font-weight:700}.considerations{display:grid;grid-template-columns:1fr 1fr;gap:35px}.considerations ul{padding-left:22px}.considerations li{margin:10px 0}.cta{background:linear-gradient(135deg,#102d45,#086f73);color:white;border-radius:30px;padding:38px;display:flex;justify-content:space-between;gap:30px;align-items:center}.cta h2{color:white}.cta p{color:#dcebf1;max-width:700px}.button{display:inline-block;background:var(--gold);color:var(--navy);font-weight:850;text-decoration:none;border-radius:999px;padding:13px 20px;white-space:nowrap}.disclaimer{font-size:14px;color:var(--muted);border-top:1px solid var(--line);padding-top:22px;margin-top:30px}.site-foot{background:#0b2234;color:#c8d7df;padding:42px 0}.foot{display:grid;grid-template-columns:1fr 2fr;gap:35px}.site-foot strong,.site-foot a{color:white}.site-foot a{overflow-wrap:anywhere}@media(max-width:850px){.nav{align-items:flex-start;padding:12px 0}.navlinks{display:none}.logo{width:82px;height:82px}.intro-grid,.considerations,.cards,.question-list{grid-template-columns:1fr}.topic-hero{padding:56px 0}.cta{display:block}.cta .button{margin-top:12px}.foot{grid-template-columns:1fr}}

.financial-campaign-intro{max-width:850px;margin:18px 0;padding:18px 20px;background:rgba(255,255,255,.14);border:1px solid rgba(69,185,232,.5);border-left:5px solid var(--blue);border-radius:16px;color:var(--ink);backdrop-filter:blur(3px);-webkit-backdrop-filter:blur(3px);transition:background .24s ease,box-shadow .24s ease,transform .24s ease}
.financial-campaign-intro:hover,.financial-campaign-intro:focus-within{background:rgba(255,255,255,1);box-shadow:0 18px 38px rgba(16,45,69,.24);transform:translateY(-2px)}

.financial-overview{max-width:850px;margin:22px 0 8px;padding:20px;background:rgba(255,255,255,.14);border:1px solid rgba(69,185,232,.5);border-radius:18px;box-shadow:0 12px 28px rgba(16,45,69,.16);color:var(--ink);position:relative;z-index:1;backdrop-filter:blur(3px);-webkit-backdrop-filter:blur(3px);transition:background .24s ease,box-shadow .24s ease,transform .24s ease}
.financial-overview:hover,.financial-overview:focus-within{background:rgba(255,255,255,1);box-shadow:0 18px 38px rgba(16,45,69,.24);transform:translateY(-2px)}
.financial-overview:hover .financial-products,.financial-overview:focus-within .financial-products{background:rgba(217,243,255,1)}
.financial-overview p{color:var(--ink);margin:0 0 12px}
.financial-overview p:last-child{margin-bottom:0}
.financial-overview>p:first-child{font-size:19px;color:var(--navy)}
.financial-products{background:rgba(217,243,255,.68);border-left:6px solid var(--blue);border-radius:12px;padding:15px 17px;font-weight:800;line-height:1.65;transition:background .24s ease}
.financial-qualification{padding-top:12px;border-top:1px solid #c8dfe8;font-size:15px}

.scenario-panel{max-width:1000px;margin:22px 0 8px;padding:24px;background:rgba(255,255,255,.14);border:1px solid rgba(69,185,232,.5);border-left:5px solid var(--blue);border-radius:18px;box-shadow:0 12px 28px rgba(16,45,69,.16);color:var(--ink);position:relative;z-index:1;backdrop-filter:blur(3px);-webkit-backdrop-filter:blur(3px);transition:background .24s ease,box-shadow .24s ease,transform .24s ease}
.scenario-panel:hover,.scenario-panel:focus-within{background:rgba(255,255,255,1);box-shadow:0 18px 38px rgba(16,45,69,.24);transform:translateY(-2px)}
.scenario-panel p{margin:0 0 16px}.scenario-panel .scenario-title{font-size:22px;color:var(--navy)}
.scenario-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:18px 0}
.scenario-card{background:rgba(255,255,255,.5);border:2px solid rgba(69,185,232,.4);border-radius:14px;overflow:hidden;transition:background .22s ease,border-color .22s ease,box-shadow .22s ease,transform .22s ease}
.scenario-card:hover,.scenario-card:focus-within{background:#fff8cc;border-color:#f2be24;box-shadow:0 12px 26px rgba(123,83,0,.2);transform:translateY(-2px)}
.scenario-card[open]{background:#fff;border-color:var(--teal);box-shadow:0 14px 30px rgba(16,45,69,.18)}
.scenario-card summary{display:flex;align-items:flex-start;justify-content:space-between;gap:14px;padding:18px;cursor:pointer;list-style:none;outline:none}.scenario-card summary::-webkit-details-marker{display:none}.scenario-card summary::marker{display:none}
.scenario-card summary:focus-visible{box-shadow:inset 0 0 0 4px rgba(69,185,232,.55)}
.scenario-summary{display:block}.scenario-summary strong{display:block;font-size:18px;line-height:1.3;color:var(--navy);margin:0 0 7px}.scenario-summary span{display:block;font-size:16px;line-height:1.55;color:#385668}
.scenario-toggle{flex:0 0 auto;display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font-size:24px;font-weight:800;line-height:1;transition:transform .2s ease,background .2s ease}.scenario-card:hover .scenario-toggle,.scenario-card:focus-within .scenario-toggle{background:#c63b2e}.scenario-card[open] .scenario-toggle{transform:rotate(45deg);background:var(--teal)}
.scenario-details{padding:0 18px 19px;border-top:1px solid rgba(69,185,232,.28);background:rgba(237,250,255,.72)}.scenario-details p{font-size:16px;line-height:1.58;margin:14px 0 0;color:#27495d}.scenario-details strong{color:var(--navy)}
.expandable-topic-grid{margin-top:22px;align-items:start}.expandable-topic-grid .scenario-card{padding:0}.expandable-topic-grid .scenario-card:before{margin:18px 18px 0}.expandable-topic-grid .scenario-card summary{min-height:180px}.expandable-topic-grid .scenario-card[open] summary{min-height:0}.expandable-topic-grid .scenario-details{padding:2px 20px 22px}.expandable-topic-grid .scenario-details a{font-weight:800;color:var(--teal)}
.scenario-instruction{font-weight:750;color:#27495d}
.scenario-prompt{padding:16px 18px;border-radius:12px;background:rgba(217,243,255,.68);border-left:5px solid var(--teal)}
.scenario-prompt p{margin:0 0 14px}.worksheet-link{display:inline-block;background:var(--navy);color:white;text-decoration:none;font-weight:850;border-radius:999px;padding:12px 18px;box-shadow:0 8px 20px rgba(16,45,69,.2)}.worksheet-link:hover,.worksheet-link:focus{background:var(--teal);outline:3px solid rgba(69,185,232,.45);outline-offset:3px}.worksheet-help{display:block;margin-top:10px;font-size:14px;color:#385668}
@media(max-width:850px){.scenario-grid{grid-template-columns:1fr}.scenario-panel{padding:20px}}

.living-benefit-card{position:relative;background:rgba(255,255,255,.76);border:2px solid rgba(69,185,232,.38);transition:background .24s ease,border-color .24s ease,box-shadow .24s ease,transform .24s ease}.living-benefit-card:hover,.living-benefit-card:focus,.living-benefit-card:focus-within{background:#fff;border-color:var(--blue);box-shadow:0 20px 44px rgba(16,45,69,.2);transform:translateY(-4px);outline:none}.living-benefit-card:nth-child(1):hover,.living-benefit-card:nth-child(1):focus{background:#eaf8ff;border-color:var(--blue)}.living-benefit-card:nth-child(2):hover,.living-benefit-card:nth-child(2):focus{background:#f5fbdc;border-color:var(--green)}.living-benefit-card:nth-child(3):hover,.living-benefit-card:nth-child(3):focus{background:#fff4d8;border-color:var(--gold)}
.living-benefit-card .family-value{margin-top:18px;padding:14px 15px;border-radius:12px;background:rgba(217,243,255,.68);border-left:5px solid var(--teal);color:#27495d;transition:background .24s ease,box-shadow .24s ease}.living-benefit-card:hover .family-value,.living-benefit-card:focus .family-value,.living-benefit-card:focus-within .family-value{background:#fff;box-shadow:0 8px 18px rgba(16,45,69,.1)}.living-benefit-card .family-value strong{display:block;margin-bottom:5px;color:var(--navy)}.living-benefit-card .family-example{margin-top:13px;color:#385668}.living-benefit-card .family-question{margin-top:13px;font-weight:750;color:var(--navy)}
.staged-cards .progressive-card .family-value,.staged-cards .progressive-card .family-example,.staged-cards .progressive-card .family-question{display:none}.staged-cards .progressive-card[data-stage="1"] .family-example{display:block;animation:cardReveal .24s ease}.staged-cards .progressive-card[data-stage="2"] .family-value,.staged-cards .progressive-card[data-stage="2"] .family-example,.staged-cards .progressive-card[data-stage="2"] .family-question{display:block;animation:cardReveal .24s ease}.progressive-card{cursor:pointer}.progressive-card[data-stage="1"],.progressive-card[data-stage="2"]{background:#fff;border-color:var(--teal);box-shadow:0 18px 38px rgba(16,45,69,.2)}.card-stage-control{width:100%;margin-top:16px;padding:11px 14px;border:0;border-radius:999px;background:var(--navy);color:#fff;font:inherit;font-size:15px;font-weight:850;cursor:pointer;transition:background .2s ease,transform .2s ease}.card-stage-control:hover,.card-stage-control:focus{background:var(--teal);outline:3px solid rgba(69,185,232,.42);outline-offset:3px}.progressive-card[data-stage="1"] .card-stage-control{background:#c63b2e}.progressive-card[data-stage="2"] .card-stage-control{background:var(--teal)}@keyframes cardReveal{from{opacity:0;transform:translateY(-5px)}to{opacity:1;transform:translateY(0)}}@media(prefers-reduced-motion:reduce){.staged-cards .progressive-card[data-stage] .family-value,.staged-cards .progressive-card[data-stage] .family-example,.staged-cards .progressive-card[data-stage] .family-question{animation:none}}

.voice-button{display:inline-flex;align-items:center;gap:9px;margin:10px 0 18px;padding:10px 15px;border:2px solid rgba(8,111,115,.55);border-radius:999px;background:rgba(255,255,255,.72);color:var(--navy);font:inherit;font-size:15px;font-weight:850;line-height:1.2;cursor:pointer;box-shadow:0 7px 18px rgba(16,45,69,.1);transition:background .2s ease,color .2s ease,border-color .2s ease,box-shadow .2s ease,transform .2s ease}.voice-button:hover,.voice-button:focus-visible{background:#fff4c9;border-color:var(--gold);box-shadow:0 12px 24px rgba(123,83,0,.2);transform:translateY(-2px);outline:3px solid rgba(69,185,232,.35);outline-offset:2px}.voice-button.is-speaking{background:var(--navy);border-color:var(--navy);color:#fff}.voice-icon{display:grid;place-items:center;width:25px;height:25px;border-radius:50%;background:var(--teal);color:#fff;font-size:11px;line-height:1}.voice-button.is-speaking .voice-icon{background:var(--red)}.scenario-details>.voice-button{margin-top:15px;margin-bottom:0}.voice-status{position:fixed;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.no-speech-synthesis .voice-button{display:none}@media(prefers-reduced-motion:reduce){.voice-button{transition:none}}