@font-face{font-family:'Source Serif 4';font-weight:400;font-style:normal;font-display:swap;src:url('/assets/fonts/source-serif-4-latin-400-normal.woff2') format('woff2')}
@font-face{font-family:'Source Serif 4';font-weight:400;font-style:italic;font-display:swap;src:url('/assets/fonts/source-serif-4-latin-400-italic.woff2') format('woff2')}
@font-face{font-family:'Source Serif 4';font-weight:600;font-style:normal;font-display:swap;src:url('/assets/fonts/source-serif-4-latin-600-normal.woff2') format('woff2')}
@font-face{font-family:'Source Serif 4';font-weight:700;font-style:normal;font-display:swap;src:url('/assets/fonts/source-serif-4-latin-700-normal.woff2') format('woff2')}
@font-face{font-family:'Source Sans 3';font-weight:400;font-style:normal;font-display:swap;src:url('/assets/fonts/source-sans-3-latin-400-normal.woff2') format('woff2')}
@font-face{font-family:'Source Sans 3';font-weight:400;font-style:italic;font-display:swap;src:url('/assets/fonts/source-sans-3-latin-400-italic.woff2') format('woff2')}
@font-face{font-family:'Source Sans 3';font-weight:600;font-style:normal;font-display:swap;src:url('/assets/fonts/source-sans-3-latin-600-normal.woff2') format('woff2')}
@font-face{font-family:'Source Sans 3';font-weight:700;font-style:normal;font-display:swap;src:url('/assets/fonts/source-sans-3-latin-700-normal.woff2') format('woff2')}
:root{
  --r:10px;--shadow:0 6px 24px rgba(0,0,0,.07);
  --red:#C8102E;--red-dark:#9E0B23;--black:#000;--white:#fff;
  --ink:#000;--muted:#5A5A5A;--rule:#D9D9D9;--paper:#F4F4F4;--tint:#FBECEE;
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
  --sans:"Source Sans 3","Helvetica Neue",Arial,sans-serif;
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--white);color:var(--ink);font-family:var(--sans);font-size:18px;line-height:1.55}
img{max-width:100%;height:auto}
a{color:var(--red);text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1px}
a:hover{color:var(--red-dark)}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.15;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,4.4vw,3.3rem)}
h2{font-size:clamp(1.55rem,2.8vw,2.1rem);margin-top:1.6em}
h3{font-size:1.28rem;margin-top:1.4em}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.prose{max-width:76ch}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin-bottom:.35em}
:focus-visible{outline:3px solid var(--red);outline-offset:2px}

/* header */
.topbar{border-bottom:3px solid var(--red);box-shadow:0 1px 0 var(--rule)}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-top:14px;padding-bottom:14px;flex-wrap:nowrap}
.brand{flex:none}
nav.main{flex:1;min-width:0;display:flex;justify-content:flex-end}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--black)}
.brand svg{width:44px;height:44px;flex:none}
.brand b{font-family:var(--serif);font-weight:700;font-size:1.12rem;letter-spacing:-.01em;line-height:1;white-space:nowrap}
.brand small{display:block;font-family:var(--sans);font-weight:400;font-size:.8rem;color:var(--muted);margin-top:4px}
@media (max-width:1300px){html[lang=es] .brand small{display:none}}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:14px;align-items:center;flex-wrap:nowrap;flex-shrink:0}
nav.main a{color:var(--black);text-decoration:none;font-weight:600;font-size:.93rem;white-space:nowrap;padding:6px 0;border-bottom:2px solid transparent}
nav.main a:hover,nav.main a[aria-current]{border-bottom-color:var(--red);color:var(--black)}
.btn{display:inline-block;background:var(--red);color:var(--white)!important;text-decoration:none!important;font-weight:700;padding:12px 22px;border:2px solid var(--red);border-radius:8px;font-size:1rem;cursor:pointer;line-height:1.2;font-family:var(--sans)}
.btn:hover{background:var(--red-dark);border-color:var(--red-dark)}
.btn.ghost{background:transparent;color:var(--black)!important;border-color:var(--black)}
.btn.ghost:hover{background:var(--black);color:var(--white)!important}
.btn.sm{padding:8px 14px;font-size:.92rem}
.navtoggle{display:none;background:none;border:1px solid var(--rule);border-radius:8px;padding:6px 10px;font:inherit;font-weight:700}
.phone{font-weight:700;color:var(--black);text-decoration:none;white-space:nowrap}
.phone:hover{color:var(--red)}
@media (max-width:1300px){.phone{display:none}}
@media (max-width:1200px){.brand small{display:none}nav.main ul{gap:11px}nav.main a{font-size:.9rem}.btn.sm{padding:8px 12px}}
@media (max-width:1040px){
  nav.main{display:none;width:100%}
  nav.main.open{display:block}
  nav.main ul{flex-direction:column;align-items:flex-start;gap:8px;padding:12px 0 6px;border-top:1px solid var(--rule)}
  .navtoggle{display:inline-block}
  .topbar .wrap{flex-wrap:wrap}
  nav.main{flex:none}
  .phone{display:none}
}

/* hero */
.hero{padding:54px 0 44px;background:linear-gradient(180deg,#fff 0%,#faf7f7 100%);border-bottom:1px solid var(--rule)}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:start}
.hero h1{margin-bottom:.4em}
.hero .lede{font-size:1.22rem;max-width:56ch;color:#222}
.hero .lede b{color:var(--black)}
.finder select,.field select,.field input,.field textarea{width:100%;font:inherit;padding:11px 12px;border:1px solid #BDBDBD;border-radius:8px;background:var(--white);color:var(--black)}
.finder select:focus,.field select:focus,.field input:focus,.field textarea:focus{border-color:var(--red);outline:none;box-shadow:0 0 0 3px rgba(200,16,46,.14)}
.finder select{font-size:1.05rem;font-weight:600;max-width:420px}
@media (max-width:860px){.hero .wrap{grid-template-columns:1fr;gap:30px}}

/* sections */
section.band{padding:44px 0}
section.band.paper{background:var(--paper)}
section.band.dark{background:var(--black);color:var(--white)}
section.band.dark a{color:#FF7B8C}
section.band.dark h2{color:var(--white)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:34px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
@media (max-width:820px){.grid2,.grid3{grid-template-columns:1fr}}
.kicker{font-family:var(--serif);font-style:italic;color:var(--red);font-size:1.05rem;margin-bottom:.4em}

/* fee grid */
table.fees{width:100%;border-collapse:collapse;font-size:1rem;margin:12px 0 4px}
table.fees th,table.fees td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--rule);vertical-align:top}
table.fees th{font-weight:700;background:#F4F4F4;color:var(--black);border-bottom:2px solid var(--rule);font-size:.92rem}
.tablewrap{border:1px solid var(--rule);border-radius:var(--r);overflow:hidden}
table.fees{margin:0}
table.fees tr:nth-child(even) td{background:var(--paper)}
table.fees td.num{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}
table.fees td.cost{text-align:right;white-space:nowrap;font-weight:700;color:var(--red);font-variant-numeric:tabular-nums}
table.fees a{color:var(--black);font-weight:600}
table.fees a:hover{color:var(--red)}
.tablewrap{overflow-x:auto}
.statelist{columns:3;column-gap:30px;list-style:none;padding:0;margin:10px 0 0}
.statelist li{break-inside:avoid;padding:5px 0;border-bottom:1px solid var(--rule);font-size:1rem}
.statelist a{color:var(--black);text-decoration:none;font-weight:600}
.statelist a:hover{color:var(--red)}
.statelist span{color:var(--muted);font-weight:400;float:right}
@media (max-width:820px){.statelist{columns:2}}
@media (max-width:520px){.statelist{columns:1}}

/* state page */
.facts{border:1px solid var(--rule);border-radius:var(--r);padding:20px 24px;margin:18px 0 26px;background:var(--white);box-shadow:var(--shadow)}
.facts h2{margin:0 0 10px;font-size:1.3rem}
.facts dl{display:grid;grid-template-columns:max-content 1fr;gap:8px 18px;margin:0;font-size:1.02rem}
.facts dt{color:var(--muted);font-weight:600}
.facts dd{margin:0}
.facts dd.cost{font-family:var(--serif);font-size:1.5rem;font-weight:700;color:var(--red);line-height:1.1}
.cta-inline{margin:26px 0;padding:22px 24px;border:1px solid #F1C6CD;border-left:5px solid var(--red);background:var(--tint);border-radius:var(--r)}
.cta-inline p{margin:0 0 12px}
.breadcrumb{font-size:.92rem;color:var(--muted);margin:22px 0 0}
.breadcrumb a{color:var(--muted)}
.breadcrumb a:hover{color:var(--red)}
.page{padding:8px 0 60px}
.page h1{margin-top:12px}
.byline{display:flex;gap:14px;align-items:center;margin:18px 0 26px;padding:12px 0;border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);font-size:.98rem;color:#222}
.byline img{width:44px;height:44px;border-radius:50%;flex:none}
.byline b a{color:var(--black)}
.byline .desig{color:var(--muted)}
.steps{counter-reset:s;list-style:none;padding:0;margin:14px 0}
.steps li{position:relative;padding-left:52px;margin-bottom:16px}
.steps li:before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;background:var(--red);box-shadow:0 4px 10px rgba(200,16,46,.25);color:var(--white);font-weight:700;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:1.15rem}
.faq details{border-bottom:1px solid var(--rule);padding:6px 0}
.faq summary{cursor:pointer;font-weight:700;font-size:1.08rem;padding:10px 0;list-style:none;position:relative;padding-right:30px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:4px;top:8px;color:var(--red);font-size:1.4rem;font-weight:400}
.faq details[open] summary:after{content:"–"}
.faq p{color:#222;margin:0 0 12px}
.note{border:1px solid var(--rule);border-left:5px solid var(--black);padding:14px 18px;margin:20px 0;background:var(--paper);font-size:1rem;border-radius:var(--r)}
.related{margin:38px 0 0;padding-top:20px;border-top:1px solid var(--rule)}
.related ul{list-style:none;padding:0;margin:8px 0 0;display:flex;flex-wrap:wrap;gap:8px 18px}
.related a{font-weight:600}
.glossary dt{font-weight:700;font-family:var(--serif);font-size:1.15rem;margin-top:18px}
.glossary dd{margin:4px 0 0}

/* footer */
footer{background:var(--black);color:#D6D6D6;padding:44px 0 30px;margin-top:40px;font-size:.95rem}
footer .wrap{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:34px}
footer h4{color:var(--white);font-family:var(--sans);font-size:.95rem;margin:0 0 10px;letter-spacing:.02em}
footer a{color:#fff;text-decoration:none}
footer a:hover{color:#FF7B8C}
footer ul{list-style:none;padding:0;margin:0}
footer li{margin-bottom:6px}
footer .legal{grid-column:1/-1;border-top:1px solid #333;padding-top:18px;margin-top:10px;font-size:.85rem;color:#9A9A9A}
footer .legal a{color:#C9C9C9}
.social{display:flex;gap:12px;margin-top:12px}
.social a{display:inline-flex;width:34px;height:34px;border:1px solid #555;border-radius:50%;align-items:center;justify-content:center}
.social a:hover{border-color:#fff}
.social svg{width:16px;height:16px;fill:#fff}
@media (max-width:820px){footer .wrap{grid-template-columns:1fr 1fr}}
@media (max-width:520px){footer .wrap{grid-template-columns:1fr}}

/* header logos */
.brand img.s1logo{height:48px;width:auto;flex:none}
footer img.s1logo-rev{height:34px;width:auto;margin-bottom:14px;display:block}
.author-block{display:flex;gap:22px;align-items:flex-start;margin:8px 0 22px;padding:20px 22px;border:1px solid var(--rule);border-left:5px solid var(--red);border-radius:var(--r);background:var(--paper)}
.author-block img{width:56px;height:56px;flex:none}
@media (max-width:560px){.author-block{flex-direction:column}.brand img.s1logo{height:42px}}

/* overlay */
.overlay{position:fixed;inset:0;background:rgba(0,0,0,.72);display:none;z-index:1000;padding:24px;overflow:auto}
.overlay.open{display:block}
.dialog{background:var(--white);max-width:880px;margin:24px auto 40px;border-radius:14px;position:relative;padding:0 30px 30px;overflow:hidden;box-shadow:0 20px 60px rgba(0,0,0,.35)}
.dialog-head{display:flex;align-items:center;gap:14px;margin:0 -30px 24px;padding:16px 30px;border-bottom:3px solid var(--red);background:#FAFAFA}
.dialog-head img{height:44px;width:auto}
.dialog-head b{font-family:var(--serif);font-size:1.15rem;display:block;line-height:1.1}
.dialog-head small{color:var(--muted);font-size:.85rem}
.dialog h2{margin:0 0 4px;font-size:1.7rem}
.dialog .sub{color:var(--muted);margin-bottom:16px;font-size:1rem}
.close{margin-left:auto;background:none;border:none;font-size:2rem;line-height:1;cursor:pointer;color:var(--black)}
.panel{display:none}
.panel.active{display:block}
.panel-top{display:flex;justify-content:space-between;align-items:baseline;gap:16px;flex-wrap:wrap;margin-bottom:14px}
.linkbtn{background:none;border:none;padding:0;font:inherit;font-weight:700;color:var(--red);text-decoration:underline;text-underline-offset:3px;cursor:pointer}
.choices{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:18px 0 12px}
.choice{text-align:left;background:var(--white);border:1px solid var(--rule);border-radius:12px;padding:22px 20px 20px;cursor:pointer;font:inherit;color:var(--black);position:relative;display:flex;flex-direction:column;gap:8px;box-shadow:var(--shadow);transition:border-color .12s,box-shadow .12s,transform .12s}
.choice:hover,.choice:focus-visible{border-color:var(--red);box-shadow:0 10px 28px rgba(200,16,46,.14);transform:translateY(-2px)}
.choice small{font-size:.82rem;color:var(--muted);margin-top:auto;padding-top:6px;border-top:1px dashed var(--rule)}
.choice .ico{font-size:1.5rem;line-height:1;width:46px;height:46px;border-radius:50%;background:var(--tint);display:flex;align-items:center;justify-content:center}
.choice b{font-family:var(--serif);font-size:1.18rem;line-height:1.15}
.choice span:not(.ico){font-size:.95rem;color:#222}
.choice em{position:absolute;top:-11px;right:14px;background:var(--red);color:var(--white);font-style:normal;font-weight:700;font-size:.72rem;padding:3px 9px;border-radius:12px;letter-spacing:.02em}
.choose-eo{background:var(--paper);border:1px solid var(--rule);padding:12px 16px;border-radius:var(--r);font-size:1rem;margin-top:16px}
.stepper{list-style:none;padding:0;margin:0 0 22px;display:flex;gap:6px;counter-reset:st}
.stepper li{flex:1;font-size:.85rem;font-weight:700;color:var(--muted);padding:8px 0 8px 32px;position:relative;border-bottom:3px solid var(--rule)}
.stepper li:before{counter-increment:st;content:counter(st);position:absolute;left:0;top:5px;width:24px;height:24px;border-radius:50%;border:2px solid var(--rule);display:flex;align-items:center;justify-content:center;font-size:.8rem}
.stepper li.current{color:var(--black);border-bottom-color:var(--red)}
.stepper li.current:before{background:var(--red);border-color:var(--red);color:var(--white)}
.stepper li.done{color:var(--black);border-bottom-color:var(--black)}
.stepper li.done:before{content:"✓";background:var(--black);border-color:var(--black);color:var(--white)}
.step{display:none}
.step.active{display:block}
.step h3{margin-top:0}
.step-nav{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:22px;padding-top:18px;border-top:1px solid var(--rule)}
.step-count{color:var(--muted);font-size:.9rem}
.summary{display:grid;grid-template-columns:max-content 1fr;gap:8px 18px;margin:0 0 18px;padding:14px 18px;background:var(--paper);border-radius:var(--r);font-size:1rem}
.summary dt{color:var(--muted);font-weight:600}
.summary dd{margin:0;font-weight:600}
.paybar{display:flex;gap:18px;flex-wrap:wrap;font-size:.9rem;font-weight:700;color:var(--black);margin-bottom:12px}
.finished{display:none;text-align:center;padding:20px 10px 10px}
.finished .tick{width:64px;height:64px;border-radius:50%;background:var(--red);color:var(--white);font-size:2rem;display:flex;align-items:center;justify-content:center;margin:0 auto 16px}
.finished h3{font-size:1.5rem}
.finished p{max-width:56ch;margin:0 auto 12px}
.finished .acts{display:flex;gap:10px;justify-content:center;flex-wrap:wrap;margin-top:16px}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:14px 18px}
.fields .full{grid-column:1/-1}
.field label{display:block;font-weight:600;font-size:.95rem;margin-bottom:5px}
.field label.chk{display:flex;gap:10px;align-items:center;font-weight:600}
.field label.chk input{width:auto}
.field small{display:block;color:var(--muted);font-size:.85rem;margin-top:3px}
.field input,.field select,.field textarea{padding:10px 11px;font-size:1rem}
.field input.bad,.field select.bad{border-color:var(--red);box-shadow:0 0 0 3px rgba(200,16,46,.15)}
fieldset{border:1px solid var(--rule);border-radius:var(--r);padding:14px 16px;margin:0 0 18px}
legend{font-weight:700;padding:0 6px;font-family:var(--serif);font-size:1.15rem}
.feebox{display:flex;justify-content:space-between;align-items:center;background:var(--tint);border:1px solid #F1C6CD;border-left:5px solid var(--red);border-radius:var(--r);padding:12px 16px;margin:16px 0 18px;gap:12px}
.feebox b{font-family:var(--serif);font-size:1.7rem;color:var(--red);white-space:nowrap}
.attest{display:flex;gap:12px;align-items:flex-start;background:var(--paper);padding:14px 16px;border-radius:var(--r);font-size:.96rem;margin-bottom:18px}
.attest input{margin-top:5px;width:auto;flex:none}
.attest input.bad{outline:3px solid var(--red)}
.paper-opt{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.paper-opt .card{border:1px solid var(--rule);border-radius:12px;padding:20px;box-shadow:var(--shadow)}
.paper-opt h3{margin:0 0 8px;font-size:1.15rem}
@media (max-width:720px){.fields,.paper-opt,.choices{grid-template-columns:1fr}.dialog{padding:0 18px 20px}.dialog-head{margin:0 -18px 20px;padding:12px 18px}.stepper li{font-size:0;padding-left:28px}.stepper li:before{font-size:.8rem}.overlay{padding:10px}}
.hp{position:absolute;left:-9999px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* hero apply card (commercialcrimepolicy pattern) */
.applycard{background:var(--white);border:1px solid var(--rule);border-radius:14px;padding:24px 24px 18px;box-shadow:var(--shadow)}
.applycard h3{margin:0 0 6px;font-size:1.35rem}
.applycard>p{color:#333;font-size:.98rem;margin-bottom:16px}
.applycard .fine{color:var(--muted);font-size:.85rem;margin:12px 0 0;text-align:center}
.applyrow{display:flex;gap:14px;align-items:flex-start;width:100%;text-align:left;text-decoration:none;box-sizing:border-box;background:var(--white);border:1px solid var(--rule);border-radius:12px;padding:14px 16px;margin-bottom:10px;cursor:pointer;font:inherit;color:var(--black);position:relative;transition:border-color .12s,box-shadow .12s,transform .12s}
.applyrow:hover,.applyrow:focus-visible{border-color:var(--red);box-shadow:0 8px 22px rgba(200,16,46,.12);transform:translateY(-1px)}
.applyrow .ico{flex:none;width:42px;height:42px;border-radius:50%;background:var(--tint);display:flex;align-items:center;justify-content:center;font-size:1.3rem}
.applyrow b{display:block;font-size:1.05rem;margin-bottom:2px}
.applyrow small{display:block;font-size:.9rem;color:#444;line-height:1.4}
.applyrow em{position:absolute;top:-10px;right:14px;background:var(--red);color:var(--white);font-style:normal;font-weight:700;font-size:.7rem;padding:3px 9px;border-radius:12px}
.hero .checks{font-size:.95rem;color:#333;margin-top:14px}
.finder{margin:14px 0 18px;padding:18px 20px;border:1px solid var(--rule);border-radius:var(--r);background:var(--white);box-shadow:var(--shadow)}
.finder label{display:block;font-weight:700;margin:0 0 8px}
.lookup-result{margin-top:12px;border-top:1px solid var(--rule);padding-top:12px}
.lookup-result:empty{display:none}
.lookup-result .big{font-family:var(--serif);font-size:2rem;font-weight:700;line-height:1;margin:2px 0 6px}
.lookup-result .big small{font-family:var(--sans);font-size:1rem;font-weight:600;color:var(--muted);margin-left:8px}
.lookup-result dl{display:grid;grid-template-columns:auto 1fr;gap:4px 14px;margin:10px 0 14px;font-size:1rem}
.lookup-result dt{color:var(--muted)}
.lookup-result dd{margin:0;font-weight:600}
.lookup-result .none{color:var(--muted);margin:0}
.lookup-result .actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:8px}
.grid3 > div{background:var(--white);border:1px solid var(--rule);border-radius:var(--r);padding:20px 22px;box-shadow:var(--shadow)}
.grid3 h3{margin-top:0}
section.band.dark .grid2 > div{background:#141414;border:1px solid #333;border-radius:var(--r);padding:22px 24px}


.guide-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:44px;align-items:start}
.guide-layout aside{position:sticky;top:20px}
.pubfig{margin:0;padding:16px;border:1px solid #E3E3E3;border-radius:var(--r);background:#F3F3F3;box-shadow:var(--shadow)}
.pubfig img{display:block;width:100%;border:1px solid #D0D0D0;border-radius:4px;background:#fff;box-shadow:0 4px 14px rgba(0,0,0,.14)}
.pubfig figcaption{font-size:.88rem;line-height:1.4;margin-top:12px;color:#222}
@media (max-width:900px){.guide-layout{grid-template-columns:1fr}.guide-layout aside{position:static}.pubfig{max-width:320px}}

.takeaways{margin:0 0 22px;padding:16px 20px;border:1px solid #E3E3E3;border-left:5px solid var(--black);border-radius:var(--r);background:var(--paper)}
.takeaways h2{margin:0 0 8px;font-size:1.15rem}
.takeaways ul{margin:0;padding-left:1.2em;font-size:1rem}
.takeaways li{margin-bottom:4px}

nav.main a.lang{font-weight:600;color:var(--muted);border:1px solid var(--rule);border-radius:20px;padding:4px 12px}
nav.main a.lang:hover{color:var(--red);border-color:var(--red)}