*{box-sizing:border-box}body{margin:0;background:#fff;color:#263c48;font:17px/1.75 Arial,sans-serif}a{color:#006a8b;text-underline-offset:4px}a:hover{color:#003f58}img{max-width:100%;height:auto}button,a{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible{outline:3px solid #d79942;outline-offset:5px}.wrap{width:min(1200px,calc(100% - 96px));margin:auto}.site-header{background:#fff;border-bottom:1px solid #dfe7ea}.header-inner{min-height:116px;display:flex;align-items:center;justify-content:space-between;gap:36px}.brand{display:block;flex:0 0 255px;line-height:0}.brand img{width:255px}#primary-nav{display:flex;align-items:center;gap:24px}#primary-nav a{font-size:13px;font-weight:700;text-decoration:none;color:#294350;position:relative;white-space:nowrap;padding:43px 0}#primary-nav a[aria-current],#primary-nav a:hover{color:#007b9b}#primary-nav a[aria-current]:after{content:'';position:absolute;bottom:26px;left:0;right:0;height:3px;background:#007b9b}.menu-toggle{display:none}.skip-link{position:absolute;left:16px;top:-100px;z-index:20;background:white;padding:12px}.skip-link:focus{top:12px}.home-hero{position:relative;min-height:475px;background:#163d51;overflow:hidden}.home-hero>img{position:absolute;width:100%;height:100%;object-fit:cover;object-position:center}.hero-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(5,38,57,.94),rgba(5,38,57,.63) 52%,rgba(5,38,57,.08))}.hero-copy{position:relative;padding-block:75px}.hero-copy p{font:clamp(32px,3.6vw,52px)/1.2 Georgia,"Times New Roman",serif;max-width:760px;margin:0 0 32px;color:white}.button{display:inline-flex;gap:28px;align-items:center;background:#006f8d;color:white;padding:14px 22px;text-decoration:none;font-size:14px;font-weight:bold}.button:hover{background:#004c65;color:#fff}.button.light{background:white;color:#164a60}.button span{font-size:22px;line-height:1}.page-wrap{padding-block:42px 96px;min-height:550px}.breadcrumb{font-size:12px;letter-spacing:.03em;text-decoration:none}.breadcrumb span{padding-left:14px;color:#9baab1}.page-heading{margin:28px 0 44px;padding-bottom:30px;border-bottom:1px solid #dce5e8}.eyebrow{color:#007795;text-transform:uppercase;letter-spacing:.17em;font-size:11px;font-weight:700;margin:0 0 14px}h1,h2,h3,h4{font-family:Georgia,"Times New Roman",serif;font-weight:400;line-height:1.22;color:#123f55}h1{font-size:clamp(34px,4vw,55px);margin:0;max-width:970px}h2{font-size:27px;margin:34px 0 16px}h3{font-size:24px}p{margin:0 0 24px}.content-layout{display:grid;grid-template-columns:minmax(0,1fr) 250px;gap:80px}.content{min-width:0}.content p.intro,.lead{font-size:23px;line-height:1.55;color:#214c60}.content ul{padding-left:22px}.content li{margin:7px 0}.content .block-cta{margin-top:32px}.block-cta h2{font-size:25px}.block-cta a{text-decoration:none;border-bottom:2px solid #56a1b4;padding-bottom:6px}.sidebar nav{display:grid;border-top:3px solid #007795}.sidebar nav a{padding:12px 0;border-bottom:1px solid #dce5e8;font-size:14px;text-decoration:none}.sidebar nav a[aria-current]{font-weight:bold;color:#183f51}.sidebar blockquote{margin:34px 0 0;padding:0 0 0 20px;border-left:3px solid #91b9c4;font:23px/1.4 Georgia,"Times New Roman",serif;color:#436d7e}.home-layout{grid-template-columns:minmax(0,1fr) 330px}.home-aside{border-left:1px solid #dce5e8;padding-left:32px}.home-aside p{font-size:18px;line-height:1.5;margin:25px 0}.home-aside img{width:100%;aspect-ratio:1.65;object-fit:cover}.topic-areas{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:40px}.topic-area{padding:24px;background:#f0f5f7;border-top:3px solid #29809b}.topic-area:last-child{grid-column:1/-1}.topic-area h2{font-size:21px;margin:0 0 18px}.topic-area ul{margin:0}.topic-area table{width:100%;border-collapse:collapse}.topic-area td{width:50%;vertical-align:top;padding-right:18px}.disclosure{margin-top:46px;padding-top:24px;border-top:1px solid #dce5e8;font-size:13px;color:#5b6e77}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}.contact-card{background:#f0f5f7;padding:25px;font-size:15px}.contact-card h2{font-size:22px;margin:0 0 18px}.contact-card:last-child{grid-column:1/-1;border-left:3px solid #087894}.article-layout{display:block}.page-article .content{max-width:790px;margin:auto}.page-article h1{font-size:clamp(32px,3.3vw,47px)}.page-article .content h3{font-size:30px;margin-top:40px}.page-article h4{font-family:Arial,sans-serif;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:#087795;margin:30px 0 12px}.page-article .content em{font-style:normal}.site-footer{background:#10394e;color:#d0dfe7;padding:52px 0 28px;font-size:13px}.footer-top{display:flex;justify-content:space-between;align-items:start;gap:30px;padding-bottom:36px;border-bottom:1px solid #386071}.footer-brand{color:white;text-decoration:none;font:29px/1.1 Georgia,"Times New Roman",serif}.footer-brand span{font:12px Arial,sans-serif;letter-spacing:.12em;text-transform:uppercase}.footer-top nav{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:12px 24px;max-width:650px}.site-footer a{color:#e6f1f6}.footer-top nav a{text-decoration:none}.footer-about{display:grid;grid-template-columns:1fr 1fr;gap:70px;padding-block:30px 10px}.footer-about h2{color:white;font-size:19px;margin:0 0 14px}.footer-about p{max-width:480px}.footer-address{font-size:11px;padding-top:22px;border-top:1px solid #386071}.sep{padding:0 8px}.copyright{font-size:11px;margin:0;color:#a9c2ce}@media(min-width:1500px){.home-hero{min-height:530px}.hero-copy{padding-block:95px}}@media(max-width:1100px){.wrap{width:calc(100% - 56px)}.brand,.brand img{width:220px;flex-basis:220px}#primary-nav{gap:15px}#primary-nav a{font-size:12px}.content-layout{gap:40px;grid-template-columns:minmax(0,1fr) 210px}.home-layout{grid-template-columns:minmax(0,1fr) 280px}}@media(max-width:860px){.header-inner{min-height:92px;flex-wrap:wrap;gap:0}.brand,.brand img{width:215px;flex-basis:215px}.menu-toggle{display:flex;align-items:center;gap:15px;border:1px solid #c2d4dc;background:white;color:#174b60;font:14px Arial,sans-serif;padding:10px 14px}#primary-nav{display:none;width:100%;padding:12px 0 22px;align-items:stretch}#primary-nav.is-open{display:grid;grid-template-columns:1fr 1fr}#primary-nav a{padding:12px 0;font-size:14px}#primary-nav a[aria-current]:after{bottom:5px;right:auto;width:28px}.content-layout,.home-layout{grid-template-columns:1fr;gap:40px}.sidebar{display:none}.home-aside{padding:28px 0 0;border-left:0;border-top:1px solid #dce5e8;max-width:500px}.home-aside img{max-height:230px}.footer-top{flex-direction:column}.footer-top nav{justify-content:flex-start}.hero-copy p{max-width:650px}.home-hero{min-height:420px}.hero-copy{padding-block:60px}}@media(max-width:540px){.wrap{width:calc(100% - 36px)}body{font-size:16px}.brand,.brand img{width:195px;flex-basis:195px}.header-inner{min-height:84px}.menu-toggle{padding:9px 10px}.home-hero{min-height:430px}.hero-copy{padding-block:48px}.hero-copy p{font-size:34px}.page-wrap{padding-block:25px 60px}.page-heading{margin:24px 0 30px;padding-bottom:24px}h1{font-size:36px}.eyebrow{font-size:10px}.content p.intro,.lead{font-size:21px}.topic-areas,.contact-grid{grid-template-columns:1fr}.topic-area{padding:21px}.topic-area:last-child,.contact-card:last-child{grid-column:auto}.topic-area td{display:block;width:100%;padding:0}.footer-about{grid-template-columns:1fr;gap:15px}.footer-top nav{gap:10px 20px}.footer-address .sep{padding:0 3px}.page-article h1{font-size:32px}.page-article .content h3{font-size:27px}.page-article .content a{overflow-wrap:anywhere}}@media(prefers-reduced-motion:no-preference){a,button{transition:color .16s,background .16s}}

.footer-brand{display:block;line-height:0;flex-shrink:0}.footer-brand img{display:block;width:240px;height:auto;filter:brightness(0) invert(1)}@media(max-width:540px){.footer-brand img{width:210px}}

.hero-copy .hero-eyebrow{font:700 13px/1.5 Arial,sans-serif;letter-spacing:.15em;text-transform:uppercase;margin:0 0 20px;max-width:none;color:#fff}.hero-copy h1{color:#fff;max-width:1000px;font-size:clamp(36px,4vw,56px);line-height:1.16;margin:0}.page-article .hero-copy h1{font-size:clamp(30px,3.3vw,47px)}@media(max-width:540px){.hero-copy .hero-eyebrow{font-size:11px;letter-spacing:.11em}.hero-copy h1{font-size:38px}.page-article .hero-copy h1{font-size:30px}}

@media(max-width:860px){.header-inner{padding-block:18px;column-gap:16px;row-gap:0}.brand{min-width:0;flex-shrink:1}.brand img{max-width:100%}.menu-toggle{flex-shrink:0;margin-left:auto}#primary-nav.is-open{display:flex;flex-direction:column;gap:0;padding:16px 0 0;margin-top:16px;border-top:1px solid #dce5e8}#primary-nav a{display:block;width:100%;padding:12px 14px;border-bottom:1px solid #e8eef1;font-size:15px;line-height:1.4;white-space:normal}#primary-nav a[aria-current]{background:#edf5f7;border-left:3px solid #007795;padding-left:11px}#primary-nav a[aria-current]:after{display:none}}@media(max-width:540px){.header-inner{min-height:84px;padding-block:16px}.brand{flex-basis:190px;max-width:calc(100% - 100px)}.brand img{width:190px}.menu-toggle{font-size:14px;gap:10px;padding:10px 12px}#primary-nav a{padding-block:11px}}

@media(max-width:860px){.header-inner{display:grid;grid-template-columns:minmax(0,1fr) auto;grid-template-rows:52px;align-items:center;column-gap:16px;min-height:84px;padding-block:16px}.brand{grid-column:1;grid-row:1;width:215px;max-width:100%;margin:0}.menu-toggle{grid-column:2;grid-row:1;margin:0}#primary-nav{grid-column:1/-1;grid-row:2}#primary-nav.is-open{margin-top:16px}}@media(max-width:540px){.brand{width:190px;max-width:100%}}

.home-hero{display:flex;align-items:center;justify-content:center}.hero-copy{text-align:center;display:flex;flex-direction:column;align-items:center;justify-content:center}.hero-copy p,.hero-copy h1{margin-left:auto;margin-right:auto}.hero-copy .button{align-self:center}.hero-shade{background:linear-gradient(90deg,rgba(5,38,57,.70),rgba(5,38,57,.72) 50%,rgba(5,38,57,.55))}

.page-article .content{max-width:none;margin:0}.article-layout{display:grid}

.table-scroll{max-width:100%;overflow-x:auto;margin:30px 0;border:1px solid #dce5e8}.editorial-table{width:100%;border-collapse:collapse;font-size:14px;line-height:1.6}.editorial-table th{text-align:left;background:#10394e;color:white;font-weight:700}.editorial-table th,.editorial-table td{padding:15px 17px;border-bottom:1px solid #dce5e8;vertical-align:top}.editorial-table tbody tr:nth-child(even){background:#f0f5f7}.editorial-table tr:last-child td{border-bottom:0}.page-receivables .content h2{margin-top:40px}.page-receivables .content>p:first-child{font-size:20px;line-height:1.65}.page-receivables .hero-copy h1{font-size:clamp(32px,3.5vw,50px)}@media(min-width:1101px){#primary-nav{gap:18px}#primary-nav a{font-size:12px}}@media(max-width:1100px) and (min-width:861px){#primary-nav{gap:11px}#primary-nav a{font-size:11px}.brand,.brand img{width:195px;flex-basis:195px}}@media(max-width:540px){.editorial-table{min-width:580px}.editorial-table th,.editorial-table td{padding:12px}.page-receivables .hero-copy h1{font-size:32px}}

/* Shared navigation styling */
@media(min-width:1101px){.header-inner{gap:28px}.brand,.brand img{width:235px;flex-basis:235px}#primary-nav{gap:4px}#primary-nav a{padding:12px 11px;font-size:12px;line-height:1.5;border-radius:4px;color:#294350}#primary-nav a:hover{background:#f0f5f7;color:#006f8d}#primary-nav a[aria-current]{background:#eaf3f6;color:#006780}#primary-nav a[aria-current]:after{height:2px;bottom:6px;left:11px;right:11px;background:#398fa6}}
.sidebar nav{padding:8px;border:1px solid #dde7eb;border-top:3px solid #137b95;background:#fbfcfd;gap:3px}.sidebar nav a{padding:11px 12px;border:0;border-radius:3px;color:#42606e;font-size:13px;line-height:1.5}.sidebar nav a:hover{background:#edf4f7;color:#006b87}.sidebar nav a[aria-current]{background:#e6f0f4;color:#005d79;box-shadow:inset 3px 0 #167d98}
.footer-top nav a{padding:4px 0;border-bottom:1px solid transparent}.footer-top nav a:hover,.footer-top nav a[aria-current]{color:#fff;border-bottom-color:#75b8d0}
@media(max-width:1100px){.header-inner{display:grid;grid-template-columns:minmax(0,1fr) auto;grid-template-rows:52px;align-items:center;column-gap:16px;row-gap:0;min-height:84px;padding-block:16px}.brand{grid-column:1;grid-row:1;width:215px;max-width:100%;min-width:0;margin:0}.brand img{width:215px;max-width:100%}.menu-toggle{display:flex;grid-column:2;grid-row:1;align-items:center;gap:12px;margin:0;padding:11px 15px;min-width:92px;height:44px;border:1px solid #c8dce5;border-radius:4px;background:#f5f9fb;color:#16475d;font:14px Arial,sans-serif;cursor:pointer}.menu-toggle:hover,.menu-toggle[aria-expanded=true]{background:#10394e;border-color:#10394e;color:#fff}.menu-toggle span{display:block;width:16px;height:14px;font-size:0;position:relative;background:linear-gradient(currentColor,currentColor) center/16px 1.5px no-repeat}.menu-toggle span:before,.menu-toggle span:after{content:'';position:absolute;left:0;width:16px;height:1.5px;background:currentColor}.menu-toggle span:before{top:1px}.menu-toggle span:after{bottom:1px}.menu-toggle[aria-expanded=true] span{background:none}.menu-toggle[aria-expanded=true] span:before{top:6px;transform:rotate(45deg)}.menu-toggle[aria-expanded=true] span:after{bottom:6.5px;transform:rotate(-45deg)}#primary-nav{display:none;grid-column:1/-1;grid-row:2;width:100%}#primary-nav.is-open{display:flex;flex-direction:column;align-items:stretch;gap:4px;padding:16px 0 0;margin-top:16px;border-top:1px solid #e1eaee}#primary-nav a{display:flex;align-items:center;justify-content:space-between;min-height:46px;width:100%;padding:11px 14px;border:0;border-radius:4px;font-size:14px;line-height:1.5;white-space:normal;color:#294a5b}#primary-nav a:after,#primary-nav a[aria-current]:after{display:block;content:'\2192';position:static;width:auto;height:auto;background:none;color:#6a91a3;font-size:17px;font-weight:400}#primary-nav a:hover{background:#f1f6f8;color:#006b87}#primary-nav a[aria-current]{padding-left:14px;background:#e7f2f6;border-left:0;box-shadow:inset 3px 0 #167d98;color:#00647f}#primary-nav a[aria-current]:after{color:#007795}}
@media(max-width:540px){.brand,.brand img{width:190px}.menu-toggle{min-width:86px;padding:10px 12px}}