:root{color-scheme:light;scroll-behavior:smooth}
body{margin:0}
.ride-theme{--nw-deep:#162b4c;--nw-dark:#0c203b;--nw-accent:#65d5ed;--nw-sky:#eef5fb;--nw-ink:#17243a;--nw-brand:#183c69;--nw-brand-mark:linear-gradient(135deg,#162b4c 0 55%,#65d5ed 55%);--nw-bar-start:#244b7b;--nw-bar-end:#1689a6;--nw-badge-bg:#d3f5fa;--nw-badge-text:#173d5e;--nw-card-shadow:rgba(16,45,78,.08);--nw-feature-hover:#2b82a6;--nw-feature-link:#145e88;--nw-faq-icon:#12688a;--br-hero-bg:#162b4c;--br-hero-accent:#67d1ed;--br-insight-border:#137baf;--br-figure-start:#d5eff8;--br-figure-end:#c8ddef;--br-link:#125a91;--br-blue:#125a91;--br-cream:#f5f7fa}
.nw-hero{background:linear-gradient(102deg,#162b4c 0%,#18375a 60%,#206779 100%)}
.nw-hero:after{content:"";position:absolute;right:-5vw;top:-90px;width:600px;height:600px;border:70px solid rgba(125,216,233,.1);border-radius:50%;pointer-events:none}
.nw-hero__content{max-width:730px}
.nw-hero h1{max-width:760px}
.nw-hero .eyebrow{color:#a6eaf4}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:12px;font-weight:800}
.hero-cta{display:inline-flex;margin-top:20px;background:#6bd8ec;color:#10283e!important;text-decoration:none;padding:13px 21px;border-radius:9px;font-weight:850;min-height:44px;align-items:center}
.section-heading{margin-bottom:24px}
.section-heading h2{font-size:clamp(22px,2.5vw,30px);margin:5px 0 0;letter-spacing:-.7px}
.nw-category__icon{font-family:system-ui}
.nw-category h2{word-break:keep-all}
.nw-category p{overflow-wrap:anywhere}
.nw-search__send{cursor:pointer;color:#174b69}
.search-results{background:#fff;color:#1b3653;width:min(566px,100%);padding:12px 16px;border-radius:8px;box-shadow:0 8px 24px rgba(0,0,0,.12);position:absolute;z-index:5;max-height:280px;overflow:auto}
.search-results a{display:block;padding:7px 0;color:#135a81}
.urgent-strip{display:flex;justify-content:space-between;gap:30px;align-items:center;padding:26px 30px;margin-bottom:42px;background:#eef5f9;border:1px solid #d7e7ee;border-left:5px solid #177499;border-radius:12px}
.urgent-strip strong{font-size:20px}
.urgent-strip p{line-height:1.65;margin:8px 0 0}
.urgent-strip>div:last-child{display:flex;gap:8px;flex:none}
.urgent-strip a{border:1px solid #125f86;background:white;border-radius:8px;color:#0c5379;min-height:44px;display:flex;align-items:center;padding:0 13px;font-weight:800;text-decoration:none}
.home-block{padding:45px 0;border-top:1px solid #e3e9ef}
.home-block h2{margin:4px 0 20px}
.home-block>p{line-height:1.7}
.pills{display:flex;gap:10px;flex-wrap:wrap;margin:20px 0}
.pills a{border:1px solid #b9d5e3;padding:12px 16px;border-radius:999px;color:#153d60;text-decoration:none;font-weight:750;min-height:44px;display:inline-flex;align-items:center}
.pills a:hover{background:#e8f5fa}
.insurance-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px}
.insurance-grid>div{border:1px solid #dbe6ed;border-radius:12px;padding:20px;background:#fff}
.insurance-grid p{font-size:14px;line-height:1.6;color:#546273;margin-bottom:0}
.journey{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;padding:0;counter-reset:steps;list-style:none}
.journey li{counter-increment:steps;background:#eef5fa;border-radius:10px;padding:18px;font-weight:750;line-height:1.5}
.journey li:before{content:"0" counter(steps);display:block;font-weight:900;color:#187ba0;margin-bottom:8px}
.update-note{font-size:13px;color:#697788}
.site-footer{background:#112641;color:#dce9f4;padding:47px 0;font-family:Arial,"Apple SD Gothic Neo","Malgun Gothic",sans-serif}
.site-wrap{width:min(1152px,calc(100% - 40px));margin:auto}
.site-footer p{line-height:1.6;font-size:14px}
.site-footer a{color:#c2eaff}
.site-footer nav{display:flex;flex-wrap:wrap;gap:10px 20px;margin:24px 0}
.site-footer small{color:#aac0d2}
.br-topbar{position:relative;z-index:15}
.br-brand{color:#173d68}
.br-editorial-hero{background:linear-gradient(115deg,#162b4c,#203d63)}
.br-editorial-breadcrumb span:last-child a{color:#d7e8f2}
.br-editorial-main a.br-button{color:white!important;text-decoration:none!important}
.br-editorial-main p{overflow-wrap:anywhere}
.br-editorial-main li{font-size:17px;line-height:1.75;margin:8px 0;color:#424b58}
.br-editorial-main .br-data-table td{white-space:normal;text-align:left;min-width:130px}
.br-editorial-main .br-data-table th{min-width:125px}
.br-editorial-main .br-data-table caption{caption-side:top;text-align:left;padding:12px;font-weight:750}
.summary-box{padding:23px 27px;border-radius:12px;background:#edf5fb;border:1px solid #d5e7f0;margin:25px 0}
.summary-box strong{color:#173c61}
.summary-box ol,.summary-box ul{margin-bottom:0;padding-left:22px}
.summary-box li{font-size:16px;margin:6px 0}
.urgent-note{background:#fff8ed;border-left:4px solid #b57724;padding:15px 20px;margin:18px 0;line-height:1.7}
.urgent-note a{font-weight:850}
.ad-placement{margin:50px 0;padding:14px 0;border-top:1px solid #e8edf0;border-bottom:1px solid #e8edf0;min-height:100px}
.ad-label{display:block;text-align:center;font-size:11px;color:#7a8795;letter-spacing:.08em;margin-bottom:10px}
.related-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin:20px 0 30px}
.related-grid>div{border:1px solid #e0e8ee;border-radius:9px;padding:13px 16px;line-height:1.4}
.source-list{padding-left:22px}
.source-list li{overflow-wrap:anywhere}
.article-index{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 30px;padding-left:26px}
.article-index li{padding:9px 0;border-bottom:1px solid #edf0f3}
.article-index span{display:block;font-size:13px;color:#637386}
.compact-cards{margin:25px 0}
.compact-cards .br-action-card{min-height:310px;padding:23px}
.compact-cards .br-action-card h2{font-size:22px}
.compact-cards .br-action-card__desc{font-size:15px}
.compact-cards .br-button{margin-top:auto}
.tool-app,.form-app{border:1px solid #d9e4ed;border-radius:12px;padding:25px;background:#f9fbfd;margin:20px 0 40px}
.tool-fields,.form-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.tool-fields label,.form-fields label{display:flex;flex-direction:column;gap:7px;color:#253950;font-size:15px;font-weight:750}
.tool-fields input,.tool-fields select,.tool-fields textarea,.form-fields textarea{font:inherit;font-weight:450;background:#fff;border:2px solid #8d9eaf;border-radius:7px;padding:11px 12px;width:100%;min-height:44px;color:#17243b}
.tool-fields [aria-invalid="true"]{border-color:#a32121;outline:2px solid #f2b9b9}
.form-fields label{grid-column:span 1}
.tool-fields input:focus,.tool-fields select:focus,.form-fields textarea:focus{outline:3px solid #8fd7ef;outline-offset:1px}
.tool-actions{display:flex;flex-wrap:wrap;gap:9px;margin-top:22px}
.tool-actions button{cursor:pointer;font:inherit}
.secondary{background:#fff;color:#173e60;border:1px solid #819caf;border-radius:8px;min-height:48px;padding:9px 18px;font-weight:800}
.tool-error{color:#a32121;font-weight:750}
.tool-result,.form-output{background:#fff;border:1px solid #b4d2e0;border-radius:10px;padding:20px;margin-top:24px;overflow-wrap:anywhere}
.tool-result,.form-output{scroll-margin-top:90px}
.tool-result h3,.form-output h3{margin-top:0}
.result-table{width:100%;border-collapse:collapse;margin:16px 0}
.result-table th,.result-table td{padding:10px;border-bottom:1px solid #e4eaf0;text-align:left}
.result-table th{width:44%}
.result-warning{background:#fff6e9;padding:14px;border-left:4px solid #c2822c;line-height:1.6}
.form-output pre{white-space:pre-wrap;font:15px/1.65 "Malgun Gothic",sans-serif;background:#f4f8fa;padding:18px;border-radius:8px}
.sitemap-list{columns:2;padding-left:22px}
.sitemap-list li{break-inside:avoid;font-size:15px}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #1c8aad;outline-offset:3px}
@media(max-width:900px){.insurance-grid{grid-template-columns:repeat(2,1fr)}.journey{grid-template-columns:repeat(3,1fr)}}
@media(max-width:650px){.urgent-strip{flex-direction:column;align-items:flex-start;padding:20px}.insurance-grid,.related-grid,.article-index,.tool-fields,.form-fields{grid-template-columns:1fr}.journey{grid-template-columns:repeat(2,1fr)}.nw-hero:after{display:none}.br-editorial-main li{font-size:16px}.br-editorial-main .br-data-table{min-width:580px}.sitemap-list{columns:1}}
@media(max-width:360px){.journey{grid-template-columns:1fr}.urgent-strip>div:last-child{flex-wrap:wrap}}
@media print{.br-topbar,.br-editorial-side,.site-footer,.tool-actions,.ad-placement{display:none!important}.br-editorial-layout{display:block;margin:0;width:100%}.br-editorial-main{padding:0}.br-editorial-hero{color:#111;background:#fff;min-height:0;padding:0}.br-editorial-hero h1{color:#111}.br-editorial-breadcrumb,.br-byline{display:none}.form-output{border:none;padding:0}}