:root{--navy:#123154;--deep:#102a45;--ink:#1f3345;--muted:#60758a;--green:#267e53;--pale:#f4f8fb;--line:#d8e3e8;--yellow:#fff8e7;--red:#a32f2a;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#f5f8fb;color:var(--ink);font:16px/1.55 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}button,input,select,textarea{font:inherit}a{color:var(--green)}a:hover{text-decoration:none}.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:white;padding:9px;z-index:200}.mef-wrap{width:min(1190px,calc(100% - 42px));margin:0 auto}.mef-sitehead{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50;box-shadow:0 2px 8px #1231540b}.mef-nav{min-height:73px;display:flex;align-items:center;justify-content:space-between;gap:26px}.mef-brand{font-size:30px;font-weight:900;line-height:1;letter-spacing:-1.4px;white-space:nowrap;text-decoration:none}.mef-brand span{color:var(--navy)}.mef-brand strong{color:var(--green)}.mef-nav nav{display:flex;gap:26px;align-items:center;flex-wrap:wrap}.mef-nav nav a{font-weight:700;color:#294159;font-size:14px;text-decoration:none}.mef-nav nav a:hover{color:var(--green)}.mef-hero{background:radial-gradient(circle at 90% 20%,#365d7a 0%,transparent 50%),linear-gradient(112deg,#123154,#0c243d);padding:74px 0 78px;color:#fff}.mef-hero .mef-wrap{max-width:1120px}.mef-hero h1{font-size:clamp(36px,5vw,58px);line-height:1.09;letter-spacing:-.04em;max-width:830px;margin:11px 0 23px}.mef-hero p{font-size:19px;max-width:760px;color:#dceaf3}.mef-heroactions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.eyebrow{font-size:12px;letter-spacing:.13em;font-weight:850;text-transform:uppercase;color:var(--green)}.mef-hero .eyebrow{color:#91e0b6}.mef-formhero{padding:52px 0 43px;background:linear-gradient(114deg,#123154,#244d6a);color:#fff}.mef-formhero .eyebrow,.mef-formhero .eyebrow a{color:#aee5c5}.mef-formhero h1{font-size:clamp(30px,4vw,42px);line-height:1.14;letter-spacing:-.035em;max-width:900px;margin:10px 0}.mef-formhero p{color:#d5e3ec;max-width:720px;margin:14px 0}.formbadges{display:flex;gap:9px;flex-wrap:wrap;margin-top:18px}.formbadges span{border:1px solid #ffffff44;color:#eff5f8;padding:5px 11px;border-radius:30px;font-size:12px;font-weight:700}.mef-btn{border:1px solid transparent;border-radius:9px;padding:12px 18px;display:inline-flex;align-items:center;justify-content:center;font-weight:750;font-size:14px;text-decoration:none;min-height:45px;cursor:pointer;white-space:normal;text-align:center;transition:filter .14s}.mef-btn:hover{filter:brightness(.95)}.mef-btn.primary{background:var(--green);color:#fff}.mef-btn.secondary{background:#fff;color:var(--navy);border-color:#cad7dd}.mef-btn:focus-visible,a:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible{outline:3px solid #64b991;outline-offset:2px}.mef-btn:disabled{cursor:wait;opacity:.65}.alert{border:1px solid #ddc9b0;background:#fff8e9;padding:16px 19px;border-radius:12px;line-height:1.55;font-size:14px;margin:22px 0}.alert.danger{border-color:#efc7bd;background:#fff3ef;color:#63352f}.alert.light{background:#f0f6fa;border-color:#d6e4ed;color:#39546a}.mef-section{margin:43px 0}.mef-section h2{font-size:27px;letter-spacing:-.025em;margin:4px 0 18px}.mef-section-header{display:flex;align-items:flex-end;justify-content:space-between;gap:15px}.mef-section-header h2{margin:4px 0 15px}.tag{display:inline-block;border-radius:100px;padding:5px 11px;background:#e8f5ed;color:#24744b;font-size:12px;font-weight:800}.tag.amber{background:#fff1cf;color:#94671c}.tag.muted{background:#edf1f5;color:#567081}.mef-products{display:grid;grid-template-columns:minmax(0,1fr);gap:18px}.mef-products.three{grid-template-columns:repeat(3,minmax(0,1fr))}.mef-card{padding:26px;background:white;border:1px solid var(--line);box-shadow:0 5px 15px #13345108;border-radius:16px}.mef-card.featured{max-width:800px;border-top:4px solid var(--green)}.mef-card h3{font-size:21px;line-height:1.28;margin:14px 0 8px;color:var(--navy)}.mef-card p{color:#526a7a;margin:9px 0 15px}.mef-card ul{padding-left:23px}.mef-card .smallnote,.smallnote{color:#5d7180;font-size:13px}.mef-card .mef-btn{margin-top:8px}.mef-cardtop{display:flex;justify-content:space-between}.statusdot{border:4px solid #dcece5;background:var(--green);width:16px;height:16px;border-radius:50%}.note-box{padding:28px;border:1px solid var(--line);border-radius:13px;background:white}.note-box p{max-width:850px}.form-layout{display:grid;grid-template-columns:260px minmax(0,1fr);gap:24px;align-items:start;margin:26px 0 55px}.form-rail,.form-panel{border-radius:13px;background:#fff;border:1px solid var(--line);box-shadow:0 2px 12px #1231540b}.form-rail{padding:24px;position:sticky;top:90px}.form-rail h2{color:var(--navy);font-size:20px;margin:0 0 3px}.form-rail>p{margin:0 0 12px;color:var(--muted);font-size:13px}.form-rail ol{list-style:none;margin:18px -10px;padding:0}.form-rail li{padding:10px 12px;border-radius:8px;color:#526a7e;font-size:14px;font-weight:700}.form-rail li.active{color:#22684a;background:#eaf5ee}.form-rail li.done{color:#2b6a57}.form-rail .rail-note{font-size:12px;background:#f1f6f8;padding:10px;border-radius:8px;margin-bottom:16px}.form-rail>a{display:block;font-size:13px;font-weight:700;margin:12px 0}.form-panel{min-height:650px;padding:32px}.step{display:none}.step.active{display:block}.stephead{padding-bottom:18px;border-bottom:1px solid var(--line);margin-bottom:22px}.stephead h2{font-size:27px;letter-spacing:-.03em;color:var(--navy);margin:5px 0 10px;line-height:1.2}.stephead p{max-width:650px;margin:0;color:#647589;font-size:15px}.fields{display:grid;gap:18px}.fields.two{grid-template-columns:repeat(2,minmax(0,1fr))}.fields label,.field-group label{font-size:13px;font-weight:720;color:#2c445b;display:flex;flex-direction:column;gap:6px}.fields label.wide,.fields .wide,.computed.wide{grid-column:1/-1}input:not([type=checkbox]):not([type=hidden]),select,textarea{width:100%;padding:11px 12px;border:1px solid #c9d7e0;background:#fff;border-radius:8px;color:#1c3348;outline-offset:2px;min-width:0;box-shadow:0 1px 2px #0b243508}input:disabled{background:#f0f4f6;color:#607183}textarea{resize:vertical}.required{color:#bc3c31;font-weight:800}.checkline{display:flex;flex-wrap:wrap;gap:24px;margin:22px 0}.checkline label,.checkboxline{display:flex!important;align-items:flex-start;flex-direction:row!important;gap:10px;line-height:1.5;font-size:14px;font-weight:600;color:#31485c;margin:14px 0}.checkline input,.checkboxline input{margin-top:4px;flex:none;width:17px;height:17px;accent-color:var(--green)}.checkline input{margin:3px 4px 0 0}.month-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.month{border:1px solid #d8e3e8;border-radius:12px;padding:17px 15px 13px;margin:0;min-width:0}.month legend{padding:0 7px;font-weight:850;color:var(--navy);font-size:16px}.liability-columns{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.liability-columns label{display:block;color:#5a7080;font-size:12px;font-weight:650}.liability-columns input{padding:9px!important;margin-top:5px}.monthtotal{display:flex;justify-content:space-between;border-top:1px solid #dce5eb;padding-top:10px;margin-top:12px;font-size:13px;font-weight:800;color:var(--navy)}.monthtotal output{color:var(--green)}.field-group{margin:23px 0 28px;padding-bottom:12px;border-bottom:1px solid #e9eef1}.field-group h3{color:var(--navy);font-size:17px;margin:0 0 17px}.computed{background:#f1f7f5;border:1px solid #d9eae2;border-radius:8px;padding:11px;display:flex;align-items:center;justify-content:space-between;gap:14px;font-weight:780;font-size:13px;color:#265a43}.computed output{font-size:15px;white-space:nowrap}.wizardactions{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-top:28px;padding-top:22px;border-top:1px solid var(--line)}#stepcount{font-size:13px;color:#60778c;font-weight:700;margin-right:auto}.wizardactions .mef-btn:first-child+#stepcount{margin-left:0}#prev[hidden],#next[hidden],[hidden]{display:none!important}.summary-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.summary-grid>div{background:#f1f7f5;border:1px solid #d8e8dd;border-radius:8px;padding:13px}.summary-grid small{display:block;color:#5a6c78;font-weight:750;font-size:12px}.summary-grid strong{color:#236245;font-size:21px}.legal{border:1px solid #c6d7e3;border-radius:10px;background:#f7fafc;padding:21px;margin:24px 0}.legal h3{margin:0 0 12px;color:var(--navy)}.legal p{font-size:14px;line-height:1.65;margin:10px 0}.wide-btn{width:100%;margin-top:19px;font-size:15px;min-height:53px}.trap{position:absolute!important;left:-10000px!important;opacity:0!important}.mef-footer{background:#102a44;color:#d1dfe9;padding:36px 0;margin-top:50px}.mef-footer .mef-wrap{display:flex;justify-content:space-between;align-items:start;gap:20px}.mef-footer p{font-size:13px;color:#acc4d4;max-width:620px}.mef-footer a{color:#cdebdc;font-size:13px;margin-left:14px}.mef-footer strong{color:white}
@media(max-width:940px){.form-layout{grid-template-columns:1fr}.form-rail{position:static}.form-rail ol{display:grid;grid-template-columns:repeat(3,1fr);gap:2px}.mef-products.three{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:650px){.mef-wrap{width:min(100% - 25px,1190px)}.mef-sitehead{position:static}.mef-nav{align-items:flex-start;flex-direction:column;padding:16px 0 14px;gap:15px}.mef-nav nav{gap:13px}.mef-nav nav a{font-size:12px}.mef-formhero{padding:33px 0}.mef-hero{padding:45px 0}.mef-hero p{font-size:16px}.mef-products.three,.month-grid,.fields.two,.summary-grid{grid-template-columns:1fr}.form-rail{padding:15px}.form-rail ol{grid-template-columns:repeat(2,1fr)}.form-rail li{font-size:12px;padding:8px}.form-panel{padding:21px 15px}.stephead h2{font-size:23px}.mef-footer .mef-wrap{flex-direction:column}.mef-footer a{margin:0 14px 0 0}}

/* Pass 5: encrypted browser-only draft controls */
.draft-box{background:#f5f9fb;border:1px solid #d5e3ea;border-radius:10px;padding:14px;margin:15px 0}.draft-box h3{font-size:16px;margin:0 0 7px;color:var(--navy)}.draft-box>p{font-size:12px;line-height:1.5;margin:8px 0}.draft-buttons{display:grid;gap:8px}.draft-buttons .mef-btn{font-size:12px;padding:9px 10px;min-height:40px}.draft-fine{font-size:12px;color:#5b7182;line-height:1.5}.draft-status{font-size:12px;color:#225b45;overflow-wrap:anywhere}.draft-status:empty{display:none}.visually-hidden{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap}.draft-dialog{max-width:min(95vw,510px);border:1px solid #aebeca;border-radius:14px;box-shadow:0 12px 45px #0e26304a;padding:26px;color:var(--ink)}.draft-dialog::backdrop{background:#122b42a6}.draft-dialog h2{font-size:23px;color:var(--navy);margin:0 0 12px}.draft-dialog label{display:block;font-weight:720;font-size:13px;margin-top:12px;margin-bottom:5px}.draft-dialog-actions{display:flex;justify-content:flex-end;gap:10px;margin-top:21px}.draft-dialog p{font-size:14px}

.draft-error{font-size:13px!important;color:#a32f2a;font-weight:650}.draft-error:empty{display:none}