.cmu-journey{--cmu-blue:#0667ce;--cmu-navy:#1b2d48;--cmu-border:#d6e4f2;--cmu-muted:#586b82;background:linear-gradient(180deg,#f2f7fd 0,#fff 1300px);color:var(--cmu-navy);padding-bottom:72px;overflow-anchor:none}.cmu-journey [hidden]{display:none!important}.cmu-hero{max-width:940px;text-align:center;padding-top:58px;padding-bottom:26px}.cmu-eyebrow{color:var(--cmu-blue);font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}.cmu-hero h1{font-size:clamp(30px,3.3vw,46px);line-height:1.16;letter-spacing:-.025em;margin:0 auto 20px;font-weight:750}.cmu-lead{font-size:17px;line-height:1.7;color:var(--cmu-muted)}.cmu-trust{display:flex;justify-content:center;gap:14px 26px;flex-wrap:wrap;list-style:none;padding:0;margin:24px 0 0;font-size:13px;font-weight:650}.cmu-trust li::before{content:'✓';color:#158066;margin-right:7px}.cmu-workspace{max-width:940px}.cmu-form{scroll-margin-top:110px;background:#fff;border:1px solid var(--cmu-border);border-top:3px solid var(--cmu-blue);box-shadow:0 18px 55px #17385e0a;border-radius:18px;padding:30px 40px 36px;min-height:510px;position:relative}.cmu-form-top{display:flex;align-items:center;justify-content:space-between;gap:16px;font-size:12px;font-weight:700;color:var(--cmu-blue)}.cmu-form-top p{margin:0}.cmu-year{padding:4px 10px;border-radius:6px;background:#edf5ff}.cmu-steps{list-style:none;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:24px 0 16px;padding:0}.cmu-steps button{display:flex;align-items:center;gap:8px;flex-wrap:wrap;border:0;background:transparent;color:var(--cmu-muted);padding:8px 0;text-align:left;width:100%;font-size:14px;line-height:1.4}.cmu-steps button>span{width:28px;height:28px;border-radius:50%;display:grid;place-items:center;flex-shrink:0;background:#eef3f9;font-weight:700}.cmu-steps button[aria-current]{color:var(--cmu-blue)}.cmu-steps button[aria-current]>span{background:var(--cmu-blue);color:white}.cmu-steps button:disabled{cursor:default;opacity:.6}.cmu-steps small{width:100%;font-size:10px;font-weight:400;color:var(--cmu-muted);min-height:0}.cmu-steps small:empty{display:none}.cmu-progress{height:4px;background:#e6edf6;border-radius:5px;margin-bottom:30px;overflow:hidden}.cmu-progress span{height:100%;display:block;background:linear-gradient(90deg,#0667ce,#03b9dc);transition:width .2s}.cmu-step-panel{padding:0;margin:0;border:0;min-width:0}.cmu-step-panel legend{font-size:28px;font-weight:750;line-height:1.25;margin:0 0 10px;float:none;width:auto}.cmu-step-panel>p,.cmu-contact>p{color:var(--cmu-muted);font-size:15px;line-height:1.6;margin-bottom:24px}.cmu-input-group{margin:22px 0}.cmu-input-group label,.cmu-field-label{display:block;font-size:14px;font-weight:700;margin-bottom:8px}.cmu-input-group small,.cmu-advanced>small{display:block;font-size:12px;color:var(--cmu-muted);line-height:1.65;margin:7px 0}.cmu-form input:not([type=radio]):not([type=checkbox]),.cmu-form select{width:100%;height:52px;padding:12px 14px;border:1px solid #c8d9eb;border-radius:8px;background:#fff;color:var(--cmu-navy);font-size:16px;line-height:1.3}.cmu-money-input{display:flex;align-items:center;position:relative}.cmu-money-input>span{position:absolute;left:14px;color:var(--cmu-muted);font-size:15px;font-weight:600}.cmu-form .cmu-money-input input[type=number]{padding-left:58px;font-size:21px;font-weight:650}.cmu-form input:focus-visible,.cmu-form select:focus-visible,.cmu-form button:focus-visible,.cmu-form a:focus-visible,.cmu-faq summary:focus-visible,.cmu-form summary:focus-visible{outline:3px solid #1c9ded;outline-offset:3px}.cmu-form input[aria-invalid=true],.cmu-form select[aria-invalid=true]{border-color:#b33e39}.cmu-presets{display:flex;gap:8px;flex-wrap:wrap;margin:-10px 0 24px}.cmu-presets button{border:1px solid var(--cmu-border);border-radius:7px;padding:5px 14px;background:#fff;color:var(--cmu-muted);font-size:13px;font-weight:650}.cmu-presets button[aria-pressed=true]{background:#edf6ff;border-color:var(--cmu-blue);color:var(--cmu-blue)}.cmu-choice-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:20px 0}.cmu-choice-grid--three{grid-template-columns:repeat(3,minmax(0,1fr))}.cmu-choice{position:relative;margin:0;cursor:pointer}.cmu-choice input{position:absolute;opacity:0;pointer-events:none}.cmu-choice span{display:grid;place-items:center;min-height:70px;padding:15px 10px;text-align:center;border:1px solid var(--cmu-border);border-radius:10px;color:var(--cmu-navy);font-size:15px;font-weight:650;background:#fff;line-height:1.35}.cmu-choice input:checked+span{border:2px solid var(--cmu-blue);background:#f0f7ff;color:#075eb9;padding:14px 9px}.cmu-choice input:focus-visible+span{outline:3px solid #1c9ded;outline-offset:3px}.cmu-child-choices{grid-template-columns:repeat(6,minmax(0,1fr));gap:10px}.cmu-child-choices span{font-size:23px;min-height:72px}.cmu-advanced,.cmu-method{border-top:1px solid #e4ecf5;padding-top:18px;margin-top:24px;font-size:14px;color:var(--cmu-muted)}.cmu-advanced summary,.cmu-method summary,.cmu-faq summary{font-weight:700;color:#24517e;cursor:pointer;line-height:1.5}.cmu-checkbox{display:flex;align-items:flex-start;gap:12px;margin:18px 0 8px;font-size:13px;line-height:1.65}.cmu-checkbox input{width:19px;height:19px;accent-color:var(--cmu-blue);margin-top:3px;flex-shrink:0}.cmu-navigation{display:flex;justify-content:space-between;align-items:center;gap:14px;border-top:1px solid #e7eef5;padding-top:24px;margin-top:30px}.cmu-navigation>button:only-child{margin-left:auto}.cmu-button{display:inline-flex;align-items:center;justify-content:center;text-align:center;gap:10px;min-height:50px;background:var(--cmu-blue);color:#fff!important;border:1px solid var(--cmu-blue);border-radius:8px;padding:12px 22px;font-size:14px;font-weight:700;line-height:1.5;cursor:pointer;text-decoration:none!important}.cmu-button:hover{background:#0559b4}.cmu-button--secondary{background:#fff;color:#21527f!important;border-color:#c6d9eb}.cmu-button--secondary:hover{background:#f0f6fd}.cmu-button:disabled{opacity:.6;cursor:wait}.cmu-status{font-size:13px;color:var(--cmu-blue);margin-top:12px}.cmu-alert{padding:13px 16px;border:1px solid #e8c4c0;border-radius:8px;color:#89352e;background:#fff4f2;font-size:14px;margin:14px 0}.cmu-success{padding:15px;color:#136a4b;background:#effaf5;border:1px solid #bcded0;border-radius:8px}.cmu-comparison h2,.cmu-contact h2{font-size:26px;line-height:1.3;font-weight:750;margin:0 0 20px}.cmu-note{font-size:12px;color:var(--cmu-muted);line-height:1.7;margin:14px 0}.cmu-comparison-table{table-layout:fixed;margin-top:20px}.cmu-comparison-table thead th{font-size:15px;line-height:1.4;background:#f0f6fe}.cmu-comparison-table th:first-child{width:25%}.cmu-comparison-table th,.cmu-comparison-table td{overflow-wrap:break-word;line-height:1.45}.cmu-comparison-table .cmu-price--lower{background:#eaf5ff!important;box-shadow:inset 0 -3px 0 #2c85d6}.cmu-family-note{border-left:3px solid #8bb9df;background:#f7faff;padding:12px 16px}.cmu-next-actions{display:flex;flex-wrap:wrap;gap:14px;margin:28px 0}.cmu-next-actions>div{width:100%}.cmu-next-actions h3{font-size:21px;font-weight:700;margin-bottom:9px}.cmu-next-actions p{font-size:14px;color:var(--cmu-muted);line-height:1.6}.cmu-method p,.cmu-method ol{font-size:12px;line-height:1.8;margin-top:16px}.cmu-contact{border-top:1px solid var(--cmu-border);margin-top:30px;padding-top:30px}.cmu-contact-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 20px}.cmu-contact-grid .cmu-input-group{margin:12px 0}.cmu-honeypot{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.cmu-content{max-width:1100px;padding-top:65px}.cmu-content>h2{font-size:30px;font-weight:750;line-height:1.3;max-width:800px;margin:0 auto 18px;text-align:center}.cmu-content>.cmu-lead{max-width:780px;margin:0 auto 28px;text-align:center}.cmu-info-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;margin:30px 0}.cmu-info-card{border:1px solid var(--cmu-border);border-radius:12px;padding:24px;background:#fff}.cmu-info-card h3{font-size:19px;font-weight:700;line-height:1.4;margin-bottom:16px}.cmu-info-card p{font-size:14px;line-height:1.8;color:var(--cmu-muted)}.cmu-info-card a{font-size:13px;font-weight:700;color:var(--cmu-blue)}.cmu-faq-title{padding-top:40px}.cmu-faq{max-width:850px;margin:25px auto}.cmu-faq details{border:1px solid var(--cmu-border);border-radius:9px;padding:19px 22px;margin:12px 0;background:#fff}.cmu-faq p{margin:15px 0 0;font-size:14px;line-height:1.8;color:var(--cmu-muted)}.cmu-source-links{text-align:center;font-size:12px;line-height:1.8;color:var(--cmu-muted);margin-top:30px}.cmu-journey a{color:#0667ce}
@media(max-width:767px){.cmu-hero{padding-top:34px}.cmu-lead{font-size:15px}.cmu-trust{font-size:11px;gap:8px 12px}.cmu-form{padding:22px 20px;border-radius:12px}.cmu-steps{gap:8px}.cmu-steps button{font-size:12px;gap:6px}.cmu-steps strong{font-weight:650}.cmu-steps small{font-size:9px}.cmu-step-panel legend{font-size:25px}.cmu-choice-grid--three{grid-template-columns:1fr}.cmu-choice-grid--three span{min-height:54px}.cmu-choice span{font-size:14px}.cmu-child-choices{gap:6px}.cmu-child-choices span{min-height:58px;padding:10px 5px}.cmu-button{padding:12px 17px;font-size:13px}.cmu-contact-grid,.cmu-info-grid{grid-template-columns:1fr}.cmu-comparison-table th,.cmu-comparison-table td{padding:10px 8px!important;font-size:12px!important}.cmu-comparison-table .cmu-price{font-size:19px!important}.cmu-comparison-table th:first-child{width:22%}.cmu-next-actions>.cmu-button{width:100%}.cmu-content{padding-top:44px}.cmu-content>h2{font-size:26px}}
@media(prefers-reduced-motion:reduce){.cmu-progress span{transition:none}}

.cmu-navigation [data-cmu-back][hidden]+[data-cmu-next]{margin-left:auto}#cmu-contact-title{scroll-margin-top:130px}

.cmu-guide{padding-top:64px;max-width:1060px}.cmu-breadcrumb{list-style:none;display:flex;flex-wrap:wrap;gap:6px 10px;padding:0;margin:0 0 25px;font-size:12px;line-height:1.7;color:var(--cmu-muted)}.cmu-breadcrumb li+li::before{content:'›';margin-right:10px;color:#7b8fa5}.cmu-toc{background:#f3f8fd;border:1px solid var(--cmu-border);border-radius:12px;padding:24px 28px;margin:30px 0 44px}.cmu-toc h3{font-size:17px;font-weight:700;margin:0 0 16px}.cmu-toc ol{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px 24px;padding-left:19px;margin:0;font-size:13px;line-height:1.6}.cmu-toc a{text-decoration:underline;text-underline-offset:3px}.cmu-guide-section{padding:0 0 30px;margin-top:30px;scroll-margin-top:125px;border-bottom:1px solid #e7eef5}.cmu-guide-section>h3{font-size:25px;font-weight:750;line-height:1.3;margin:0 0 17px;max-width:900px}.cmu-guide-section>p{font-size:15px;line-height:1.85;color:var(--cmu-muted);margin-bottom:20px;max-width:960px}.cmu-scheme-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px;margin-top:24px}.cmu-scheme-grid h4{font-size:23px;font-weight:750;color:var(--cmu-blue);margin-bottom:14px}.cmu-scheme-grid .cmu-info-card p{margin-bottom:0}.cmu-example-scroll{overflow-x:auto;border:1px solid var(--cmu-border);border-radius:10px;-webkit-overflow-scrolling:touch}.cmu-example-scroll:focus-visible,.cmu-toc a:focus-visible,.cmu-guide-actions a:focus-visible,.cmu-related-articles a:focus-visible{outline:3px solid #1c9ded;outline-offset:3px}.cmu-example-table{border-collapse:collapse;width:100%;min-width:680px;font-size:14px;line-height:1.65;background:#fff}.cmu-example-table th,.cmu-example-table td{padding:19px 20px;text-align:left;border-bottom:1px solid var(--cmu-border);vertical-align:top}.cmu-example-table thead th{background:#eef6fe;color:#21527f;font-size:13px;font-weight:700}.cmu-example-table th[scope=row]{width:43%;font-size:13px;font-weight:600}.cmu-example-table td{white-space:nowrap;color:var(--cmu-blue)}.cmu-example-table td strong{font-size:18px}.cmu-example-table td small{display:block;color:var(--cmu-muted);font-size:11px;font-weight:400}.cmu-example-table tbody tr:last-child th,.cmu-example-table tbody tr:last-child td{border-bottom:0}.cmu-example-table tbody tr:nth-child(even){background:#f9fbfe}.cmu-guide-method{padding:26px 30px;background:#f4f8fc;border:1px solid var(--cmu-border);border-radius:12px}.cmu-guide-method>p,.cmu-guide-method time{font-size:13px;line-height:1.8}.cmu-method-sources{display:flex;flex-wrap:wrap;gap:10px 24px;list-style:none;padding:0;margin:20px 0 0;font-size:13px}.cmu-guide .cmu-faq{max-width:none;margin-bottom:0}.cmu-guide .cmu-faq details{margin-bottom:12px}.cmu-advice{border:0;padding-bottom:0}.cmu-guide-actions{display:flex;align-items:center;flex-wrap:wrap;gap:18px 25px;margin:25px 0 32px;font-size:14px;font-weight:650}.cmu-advice h4{font-size:18px;font-weight:700;margin:28px 0 15px}.cmu-related-articles{padding-left:19px;margin:0;font-size:14px;line-height:1.8}.cmu-related-articles li{margin:10px 0}
@media(max-width:767px){.cmu-guide{padding-top:44px}.cmu-toc{padding:20px;margin-bottom:30px}.cmu-toc ol{grid-template-columns:1fr;gap:10px}.cmu-guide-section{margin-top:24px;padding-bottom:24px}.cmu-guide-section>h3{font-size:23px}.cmu-guide-section>p{font-size:14px}.cmu-scheme-grid{grid-template-columns:1fr;gap:14px}.cmu-guide-method{padding:22px 20px}.cmu-example-table th,.cmu-example-table td{padding:15px 16px}.cmu-guide-actions{align-items:stretch;flex-direction:column;gap:15px}.cmu-guide .cmu-faq details{padding:17px 18px}.cmu-method-sources{gap:8px 18px}}