:root{--navy:#0a3161;--navy2:#08264b;--blue:#174f8a;--red:#b31942;--red2:#d51f2b;--green:#198754;--pale:#f5f7fa;--text:#142c47;--muted:#607286;--white:#fff;--line:#d7dee7;--shadow:0 14px 34px rgba(10,49,97,.12)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--text);line-height:1.6;background:#fff}a{color:var(--blue)}.wrap{max-width:1160px;margin:auto;padding:0 24px}.skip{position:absolute;left:-9999px}.skip:focus{left:10px;top:10px;background:white;padding:8px;z-index:99}.top{position:sticky;top:0;z-index:20;background:white;border-bottom:1px solid var(--line)}.nav{min-height:84px;display:flex;align-items:center;justify-content:space-between}.textbrand{text-decoration:none;display:inline-block;line-height:1}.textbrand .vgli{font-size:30px;font-weight:900;color:var(--navy);letter-spacing:-1px}.textbrand .swap{font-size:28px;font-weight:900;color:var(--green)}.textbrand .dotcom{font-size:16px;font-weight:800;color:var(--navy)}.textbrand small{display:block;margin-top:6px;color:var(--muted);font-size:10px;letter-spacing:.05em;text-transform:uppercase}.nav nav{display:flex;gap:22px;align-items:center}.nav nav a{text-decoration:none;font-weight:700;color:#17324d;font-size:14px}.btn{display:inline-block;background:var(--red2);color:white!important;text-decoration:none;font-weight:800;border-radius:8px;padding:14px 22px;border:0;cursor:pointer}.btn:hover{filter:brightness(.94)}.btn.secondary{background:var(--navy)}.btn.small{padding:10px 16px}.btn.full{width:100%;text-align:center}.menu{display:none;font-size:24px;background:none;border:0}.hero{background:linear-gradient(115deg,rgba(8,57,111,.98),rgba(15,99,173,.88)),radial-gradient(circle at 78% 25%,#b5d5ed,transparent 38%);color:#fff;padding:72px 0}.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:46px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.11em;font-weight:800;color:#e7eef7}.hero h1{font-size:54px;line-height:1.04;margin:8px 0 18px}.hero h1 em{font-style:normal;color:#ffffff}.hero p{font-size:20px;max-width:720px}.hero-note{color:#d5e9fa!important}.panel{background:white;color:var(--text);padding:30px;border-radius:18px;box-shadow:var(--shadow)}.panel h2{margin-top:0;font-size:28px}.checks{padding:0;list-style:none}.checks li{padding:8px 0}.checks li:before{content:'✓';color:var(--red2);font-weight:900;margin-right:10px}.govbar{background:var(--navy2);color:#dcecff;padding:14px 0;text-align:center;font-size:14px}.section{padding:70px 0}.section.alt{background:var(--pale)}.section h1,.section h2{line-height:1.15;color:var(--navy)}.section h1{font-size:44px}.section h2{font-size:36px;text-align:center}.section h2.left{text-align:left}.lead{font-size:20px;color:var(--muted);max-width:820px}.narrow{max-width:820px;margin-left:auto!important;margin-right:auto!important}.center{text-align:center}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;box-shadow:0 6px 18px rgba(8,57,111,.05)}.icon{font-size:34px}.kicker{font-weight:800;color:var(--red2);text-transform:uppercase;letter-spacing:.08em}.step{width:42px;height:42px;border-radius:50%;background:var(--red2);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:900;font-size:20px}.tablewrap{overflow:auto;border-radius:12px;border:1px solid var(--line)}table{width:100%;border-collapse:collapse;background:white}th,td{padding:14px;text-align:left;border-bottom:1px solid var(--line)}th{background:var(--navy);color:#fff}.callout{background:#eaf7f0;border-left:5px solid var(--red2);padding:22px;border-radius:8px}.warning{background:#fff7e5;border-left-color:#e5a11c}.quote-strip{background:var(--navy);color:white;padding:52px 0;text-align:center}.quote-strip h2{color:white;margin-top:0;font-size:34px}.source{font-size:14px;color:var(--muted)}.faq details{border-bottom:1px solid var(--line);padding:16px 0}.faq summary{font-weight:800;cursor:pointer;color:var(--navy);font-size:18px}.footer{background:#315f8f;color:#eaf4ff;padding-top:55px;border-top:5px solid var(--red2)}.footer a{color:#d8f0ff}.footerbrand .vgli,.footerbrand .dotcom{color:white}.footgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:44px}.footgrid>div:nth-child(2){display:flex;flex-direction:column;gap:7px}.trust{margin-top:36px;padding:18px 0;background:#4777a6}.legal{padding:20px 0;font-size:13px;color:#bcd0e2}.legal p{margin:5px 0}.badges{display:flex;gap:12px;flex-wrap:wrap;font-size:13px}.badges span{border:1px solid #3973a4;padding:7px 10px;border-radius:999px}.hours{font-size:14px}.breadcrumb{font-size:14px;color:var(--muted);margin-bottom:18px}.hero-mini{padding:48px 0;background:var(--pale)}.hero-mini h1{margin:0;color:var(--navy);font-size:44px}.cta-row{display:flex;gap:12px;flex-wrap:wrap}.note{font-size:14px;color:var(--muted)}.mt{margin-top:26px}.legalcopy{max-width:880px}.timeline .card{position:relative}
@media(max-width:900px){.menu{display:block}.nav nav{display:none;position:absolute;top:84px;left:0;right:0;background:white;padding:20px 24px;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--line)}.nav nav.open{display:flex}.hero-grid,.grid3,.grid2,.footgrid{grid-template-columns:1fr}.hero h1{font-size:40px}.section h1,.hero-mini h1{font-size:36px}.section h2{font-size:30px}.nav{min-height:84px}.textbrand small{display:none}}
@media(max-width:520px){.wrap{padding:0 18px}.hero{padding:52px 0}.hero h1{font-size:36px}.hero p{font-size:18px}.cta-row .btn{width:100%;text-align:center}.section{padding:52px 0}.panel{padding:24px}.textbrand .vgli{font-size:26px}.textbrand .swap{font-size:24px}}

.brand-logo{display:block;width:min(330px,34vw);height:auto;object-fit:contain}
.footer-logo{width:min(290px,100%);background:#fff;border-radius:8px;padding:7px}
.top{box-shadow:0 2px 12px rgba(10,49,97,.08)}
.hero{background:linear-gradient(105deg,rgba(10,49,97,.98),rgba(23,79,138,.86)),radial-gradient(circle at 82% 24%,#d9e5f1,transparent 38%)}
.hero h1 em,.eyebrow{color:#fff}.btn.secondary{background:var(--navy)}
.govbar{border-top:3px solid var(--red2)}
.card{border-top:3px solid rgba(179,25,66,.16)}
.quote-strip{background:linear-gradient(90deg,var(--navy),#174f8a)}
.footer{color:#fff}.footer a,.footer h3,.legal a{color:#fff}.legal{color:#eef5fb}
@media(max-width:900px){.brand-logo{width:260px;max-width:70vw}}
@media(max-width:520px){.brand-logo{width:225px;max-width:72vw}}