:root{color-scheme:light dark;--base:#f6f8f5;--paper:#fff;--soft:#edf3ec;--ink:#263f38;--muted:#5f6d66;--accent:#397847;--on-accent:#fff;--line:#dbe3db;--mint:#e3efdc;--blue:#e6eff4;--ring:#427bab;--shadow:rgba(35,61,45,.05)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:28px}body{margin:0;background:var(--base);color:var(--ink);font-family:ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;font-size:16px;line-height:1.75;-webkit-font-smoothing:antialiased}a{color:inherit;text-underline-offset:4px}a:hover{text-decoration-thickness:2px}a:focus-visible{outline:3px solid var(--ring);outline-offset:5px;border-radius:3px}h1,h2,h3,p{margin:0}h1,h2,h3{font-weight:550;line-height:1.2;text-wrap:balance}h1{font-size:clamp(42px,5.7vw,68px);letter-spacing:-2.8px;max-width:650px}h1 span{color:var(--accent)}h2{font-size:clamp(25px,3.1vw,34px);letter-spacing:-1.1px;margin:0 0 22px}h3{font-size:18px;letter-spacing:-.25px;margin:25px 0 9px}p+p{margin-top:17px}strong{font-weight:650}.skip-link{position:absolute;left:16px;top:12px;transform:translateY(-180%);z-index:10;background:var(--paper);padding:10px 16px;border:1px solid var(--accent)}.skip-link:focus{transform:none}.site-header,main,.site-footer{max-width:1224px;margin:auto;padding-left:48px;padding-right:48px}.site-header{display:flex;justify-content:space-between;align-items:center;gap:20px;padding-top:25px;padding-bottom:25px}.brand{display:inline-flex;align-items:center;gap:11px;font-size:25px;letter-spacing:-1.4px;font-weight:600;text-decoration:none;min-height:44px}.brand-mark{width:25px;height:25px;position:relative;color:var(--accent)}.brand-mark:before,.brand-mark:after{content:"";position:absolute;left:10px;top:1px;width:6px;height:24px;border-radius:8px;background:currentColor;transform:rotate(45deg)}.brand-mark:after{transform:rotate(-45deg)}.site-header nav{display:flex;align-items:center;gap:24px;font-size:13px}.site-header nav>a{min-height:44px;display:inline-flex;align-items:center}.small-cta{gap:13px;padding:9px 18px;border:1px solid var(--line);border-radius:100px;background:var(--paper);text-decoration:none}.guide-hero{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(280px,.8fr);align-items:center;gap:68px;padding:35px 0 75px}.breadcrumb{display:flex;flex-wrap:wrap;gap:10px;font-size:12px;color:var(--muted);margin-bottom:30px}.eyebrow,.section-number{text-transform:uppercase;letter-spacing:.14em;font-size:11px;font-weight:600;color:var(--muted);line-height:1.6}.hero-copy>.eyebrow{margin-bottom:16px}.lead{margin-top:23px;color:var(--muted);font-size:17px;max-width:580px}.status{display:inline-flex;align-items:center;gap:8px;padding:7px 12px;background:var(--soft);border:1px solid var(--line);border-radius:99px;font-size:12px;color:var(--accent);margin-top:24px}.status>span{width:6px;height:6px;border-radius:50%;background:currentColor}.credit-card{padding:31px;border:1px solid var(--line);border-radius:24px;background:radial-gradient(ellipse at 100% 0,var(--mint),transparent 75%),var(--paper);box-shadow:0 15px 40px var(--shadow)}.credit-card>p:not(.eyebrow):not(.credit-number){font-size:13px;color:var(--muted);line-height:1.75}.credit-card .credit-number{font-size:64px;line-height:1.13;letter-spacing:-3px;color:var(--accent);margin:24px 0 17px}.credit-prefix{display:block;font-size:12px;letter-spacing:0;color:var(--muted);margin-bottom:8px}.credit-unit{font-size:14px;letter-spacing:0;color:var(--muted);white-space:nowrap}.credit-equation{display:grid;gap:7px;border-top:1px solid var(--line);margin-top:22px;padding-top:20px}.credit-equation strong{font-size:22px;letter-spacing:-.5px;font-weight:550}.credit-equation span{font-size:12px;color:var(--muted)}.credit-card .fine-print{margin-top:18px}.text-link{display:inline-flex;gap:10px;font-size:13px;align-items:center;min-height:44px;margin-top:15px;font-weight:550}.guide-layout{display:grid;grid-template-columns:200px minmax(0,1fr);gap:65px;border-top:1px solid var(--line);padding-top:54px}.contents{position:sticky;align-self:start;top:28px;display:grid;gap:7px}.contents .eyebrow{margin-bottom:11px}.contents>a{font-size:13px;color:var(--muted);text-decoration:none;min-height:38px;display:flex;align-items:center;padding:4px 0}.contents>a:hover{color:var(--accent);text-decoration:underline}.guide-content>section{padding-bottom:48px;margin-bottom:48px;border-bottom:1px solid var(--line);scroll-margin-top:24px}.guide-content>section:last-child{margin-bottom:0;border-bottom:0}.section-number{margin-bottom:17px;color:var(--accent)}.guide-content p,.guide-content li{color:var(--muted);font-size:15px}.guide-content strong{color:var(--ink)}.use-case-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:14px;margin:28px 0}.use-case-grid article{padding:19px 18px;background:var(--paper);border:1px solid var(--line);border-radius:15px}.use-case-grid h3{font-size:16px;margin:0 0 12px}.use-case-grid p{font-size:13px;line-height:1.8}.rules{padding-left:21px;margin:20px 0}.rules li{padding-left:4px;margin:10px 0}.rules li::marker{color:var(--accent)}.note{background:var(--soft);border-left:3px solid var(--accent);padding:20px 23px;border-radius:0 12px 12px 0;margin-top:24px}.note>strong{font-size:14px}.note>p{font-size:14px;margin-top:7px}.join-steps{counter-reset:step;list-style:none;padding:0;margin:25px 0}.join-steps>li{position:relative;padding-left:47px;margin-bottom:24px;counter-increment:step}.join-steps>li:before{content:counter(step);position:absolute;left:0;top:0;width:30px;height:30px;background:var(--mint);color:var(--accent);border-radius:50%;display:grid;place-items:center;font-size:12px;font-weight:600}.join-steps h3{margin:0 0 7px;padding-top:3px;color:var(--ink)}.primary-cta{display:inline-flex;align-items:center;justify-content:space-between;gap:27px;background:var(--accent);color:var(--on-accent);padding:12px 13px 12px 23px;border-radius:99px;font-size:14px;font-weight:550;text-decoration:none;min-height:57px}.primary-cta>span{display:grid;place-items:center;width:32px;height:32px;border:1px solid currentColor;border-radius:50%;font-size:23px;font-weight:400}.primary-cta:hover{filter:brightness(1.07)}.faq-list article{padding:24px 0;border-bottom:1px solid var(--line)}.faq-list article:first-child{padding-top:2px}.faq-list article:last-child{border-bottom:0;padding-bottom:0}.faq-list h3{margin:0 0 11px;font-size:18px}.closing{display:flex;justify-content:space-between;align-items:center;gap:30px;margin:20px 0 57px;padding:37px 39px;border:1px solid var(--line);border-radius:22px;background:radial-gradient(ellipse at 0 0,var(--blue),transparent 65%),var(--soft)}.closing h2{font-size:29px;margin:11px 0}.closing p:not(.eyebrow){color:var(--muted);font-size:14px}.closing .primary-cta{flex-shrink:0}.site-footer{display:grid;grid-template-columns:1fr 1fr;gap:24px;padding-top:26px;padding-bottom:30px;border-top:1px solid var(--line)}.footer-home{font-size:16px;font-weight:600;text-decoration:none}.site-footer p{font-size:12px;color:var(--muted);margin-top:6px}.footer-links{display:flex;flex-wrap:wrap;justify-content:flex-end;align-content:start;gap:8px 23px;font-size:12px;color:var(--muted)}.footer-links>a{min-height:35px;display:inline-flex;align-items:center;overflow-wrap:anywhere}.site-footer .updated{grid-column:1/-1;font-size:11px;margin-top:0}
@media(prefers-color-scheme:dark){:root{--base:#172522;--paper:#21332e;--soft:#273c32;--ink:#edf3e9;--muted:#b3c1b7;--accent:#a7d598;--on-accent:#1f3826;--line:#3c5045;--mint:#314735;--blue:#2a3e45;--ring:#98c8e2;--shadow:rgba(0,0,0,.1)}}
@media(max-width:980px){.site-header,main,.site-footer{padding-left:32px;padding-right:32px}.guide-hero{gap:33px;grid-template-columns:minmax(0,1fr) minmax(260px,.8fr)}h1{font-size:51px;letter-spacing:-2px}.guide-layout{grid-template-columns:160px minmax(0,1fr);gap:35px}.use-case-grid{grid-template-columns:1fr}.use-case-grid article{padding:19px 21px}.use-case-grid h3{margin-bottom:7px}.closing{padding:30px;gap:20px}.closing h2{font-size:26px}.credit-card{padding:25px}}
@media(max-width:720px){.site-header,main,.site-footer{padding-left:23px;padding-right:23px}.site-header{padding-top:18px;padding-bottom:18px;gap:16px}.brand{font-size:22px;gap:8px}.site-header nav{gap:14px;font-size:12px}.small-cta{padding:8px 12px;gap:8px}.guide-hero{grid-template-columns:1fr;gap:32px;padding:20px 0 42px}.breadcrumb{margin-bottom:23px}h1{font-size:48px;max-width:500px}.lead{font-size:16px}.credit-card{max-width:100%;padding:26px}.credit-card .credit-number{margin:18px 0 13px;font-size:60px}.credit-equation{margin-top:19px;padding-top:17px}.guide-layout{grid-template-columns:1fr;gap:33px;padding-top:29px}.contents{position:static;display:flex;flex-wrap:wrap;gap:6px 20px}.contents .eyebrow{width:100%;margin-bottom:1px}.contents>a{font-size:12px;min-height:32px}.guide-content>section{padding-bottom:34px;margin-bottom:33px}.guide-content p,.guide-content li{font-size:15px}.use-case-grid{gap:12px}.closing{display:block;margin-bottom:37px;padding:28px 24px}.closing .primary-cta{margin-top:22px}.closing h2{font-size:27px}.site-footer{grid-template-columns:1fr;gap:15px}.footer-links{justify-content:flex-start;gap:0 22px}.site-footer .updated{line-height:1.8}.section-number{margin-bottom:14px}}
@media(max-width:390px){.site-header,main,.site-footer{padding-left:18px;padding-right:18px}.site-header{align-items:flex-start;flex-wrap:wrap;gap:8px}.site-header nav{width:100%;justify-content:space-between}.guide-hero{padding-top:12px}h1{font-size:43px;letter-spacing:-1.8px}.credit-card{padding:23px}.primary-cta{gap:18px;font-size:13px}.closing{padding:25px 21px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
@media print{body{background:#fff;color:#000}.site-header,.contents,.primary-cta,.skip-link,.footer-links{display:none}.site-header,main,.site-footer{max-width:none;padding:0}.guide-hero,.guide-layout{display:block}.guide-hero{padding-bottom:25px}.credit-card{margin-top:25px}.guide-content>section{break-inside:avoid}.credit-card,.note,.use-case-grid article,.closing{background:none;border-color:#aaa;box-shadow:none}p,li,.guide-content p,.guide-content li,.lead,.credit-card>p{color:#333}h1 span,.section-number,.credit-card .credit-number{color:#000}.site-footer{display:block}}

/* Program facts and multilingual answer links. */
.guide-languages{display:flex;flex-wrap:wrap;gap:8px 22px;padding:0 0 25px;font-size:13px}
.guide-languages a{display:inline-flex;align-items:center;min-height:36px;text-decoration:none;color:var(--muted)}
.guide-languages a[aria-current="page"]{font-weight:600;color:var(--accent);text-decoration:underline;text-underline-offset:5px}
.program-facts{margin:25px 0 0;border:1px solid var(--line);border-radius:15px;overflow:hidden}
.program-facts>div{display:grid;grid-template-columns:minmax(115px,.7fr) minmax(0,1.8fr);gap:18px;padding:19px 22px;background:var(--paper);border-bottom:1px solid var(--line)}
.program-facts>div:last-child{border-bottom:0}
.program-facts dt{font-size:14px;font-weight:600;color:var(--ink)}
.program-facts dd{margin:0;font-size:14px;line-height:1.8;color:var(--muted)}
.faq-list .answer-link{display:inline-block;margin-top:12px;font-size:12px;color:var(--accent);text-underline-offset:4px;min-height:30px}
.faq-list article[id],.program-facts>div[id]{scroll-margin-top:28px}
.faq-list article:target,.program-facts>div:target{background:var(--soft);outline:2px solid var(--line);outline-offset:6px;border-radius:8px}
.credit-card .credit-number{font-size:clamp(30px,4vw,50px);line-height:1.15;overflow-wrap:anywhere;letter-spacing:-1.7px}
h1,h2,h3,p,dt,dd,.site-header nav a{overflow-wrap:anywhere}
@media(max-width:720px){.site-header nav{flex-wrap:wrap;justify-content:flex-end}.guide-languages{padding-bottom:8px;gap:4px 18px}.program-facts>div{grid-template-columns:1fr;gap:6px;padding:18px}.program-facts dt{font-size:15px}}