/* Frisco Foundation Experts. System fonts only; CSP allows no inline styles. */
:root{
  --navy:#24364B; --navy-2:#31475F; --gold:#F2B544; --gold-d:#D99A1E; --ink:#1B2430; --body:#33404F;
  --mute:#667385; --bg:#F5F7FA; --white:#fff; --rule:#DDE3EA; --tint:#EEF2F6;
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:16.5px/1.7 var(--font);color:var(--body);background:var(--white)}
a{color:#1F5FA8}
a:hover{color:var(--navy)}
h1,h2,h3{color:var(--ink);font-family:var(--font);letter-spacing:-.01em;line-height:1.22}
h1{font-size:clamp(1.9rem,4.2vw,2.75rem);font-weight:800;margin:.25em 0 .35em}
h2{font-size:clamp(1.35rem,2.4vw,1.7rem);font-weight:750;margin:1.9em 0 .55em}
h3{font-size:1.1rem;font-weight:700;margin:1.3em 0 .35em}
.shell{max-width:1160px;margin:0 auto;padding:0 22px}
.slim{max-width:800px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}

.b{display:inline-flex;align-items:center;justify-content:center;gap:8px;white-space:nowrap;padding:12px 20px;border-radius:999px;font-weight:700;text-decoration:none;border:0;cursor:pointer;font:700 1rem var(--font)}
.b svg{width:17px;height:17px;fill:currentColor}
.b-gold{background:var(--gold);color:var(--ink)}
.b-gold:hover{background:var(--gold-d);color:var(--ink)}
.b-white{background:#fff;color:var(--navy)}
.b-white:hover{background:var(--tint);color:var(--navy)}
.full{width:100%}

.masthead{background:#fff;border-bottom:1px solid var(--rule);position:relative}
.mh{display:flex;align-items:center;gap:22px;min-height:72px}
.logo{display:flex;align-items:center;gap:10px;white-space:nowrap;text-decoration:none;color:var(--ink);font-weight:800;font-size:1.1rem;margin:0}
.logo svg{width:38px;height:38px;flex:none}
.logo.light{color:#fff}
.menu-links{display:flex;gap:4px;list-style:none;margin:0 0 0 auto;padding:0}
.menu-links a{display:block;white-space:nowrap;padding:8px 11px;border-radius:8px;color:var(--body);text-decoration:none;font-weight:600;font-size:.94rem}
.menu-links a:hover,.menu-links a[aria-current]{background:var(--tint);color:var(--ink)}
.menu-toggle{display:none}

.lead{background:linear-gradient(160deg,var(--navy) 0%,#1D2C3E 100%);color:#D9E1EA}
.lead-in{display:grid;grid-template-columns:1.1fr .9fr;gap:46px;padding-top:54px;padding-bottom:58px;align-items:start}
.lead h1{color:#fff}
.lead p{font-size:1.08rem}
.tag{display:inline-block;background:rgba(242,181,68,.16);color:var(--gold);border:1px solid rgba(242,181,68,.4);border-radius:999px;padding:3px 12px;font-size:.8rem;font-weight:700;letter-spacing:.04em}
.lead .quiet{color:#A9B6C4;font-size:.9rem}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:26px 0 22px}
.stat{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:12px 14px}
.stat b{display:block;color:#fff;font-size:1.35rem}
.stat span{font-size:.82rem;color:#B9C5D2;line-height:1.4;display:block}

.sec{padding:56px 0}
.sec.alt{background:var(--bg)}
.sec h2:first-child{margin-top:0}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:20px}
.card{display:block;background:#fff;border:1px solid var(--rule);border-radius:14px;padding:20px;text-decoration:none;color:var(--body);transition:box-shadow .15s}
.card:hover{box-shadow:0 8px 24px rgba(36,54,75,.12)}
.card h3{margin:0 0 .3em;color:var(--ink)}
.card p{margin:0;font-size:.93rem;color:var(--mute)}
.card .more{display:inline-block;margin-top:10px;color:#1F5FA8;font-weight:700;font-size:.9rem}
.flow{list-style:none;padding:0;margin:20px 0 0;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.flow li{background:#fff;border-radius:14px;padding:18px;border:1px solid var(--rule)}
.flow b{display:block;color:var(--navy);font-size:.8rem;letter-spacing:.08em;text-transform:uppercase}
.flow h3{margin:.3em 0}
.flow p{margin:0;font-size:.93rem}

.doc-head{background:var(--bg);border-bottom:1px solid var(--rule);padding:30px 0 28px}
.bc{font-size:.86rem;color:var(--mute)}
.bc a{color:var(--mute)}
.sum{font-size:1.12rem;margin:0;color:var(--body)}
.doc{padding-top:8px;padding-bottom:44px}
.doc ul,.doc ol{padding-left:1.25em}
.doc li{margin:.35em 0}
.note{background:var(--tint);border-radius:12px;padding:14px 18px;margin:1.5em 0;border-left:5px solid var(--gold)}
.note p{margin:.25em 0}
.note.blue{border-left-color:var(--navy)}
.tablebox{overflow-x:auto;margin:1.2em 0;border:1px solid var(--rule);border-radius:12px}
table.data{border-collapse:collapse;width:100%;font-size:.94rem}
table.data caption{text-align:left;font-weight:700;color:var(--ink);padding:12px 14px 4px}
table.data th,table.data td{padding:10px 14px;border-top:1px solid var(--rule);text-align:left;vertical-align:top}
table.data thead th{background:var(--navy);color:#fff;border-top:0}
.chart{margin:1.6em 0;background:var(--bg);border-radius:14px;padding:16px}
.chart figcaption{font-size:.85rem;color:var(--mute);margin-top:6px}
.ill{display:block;width:100%;height:auto}
.ill text{font:700 12px var(--font);fill:var(--ink)}
.ill .sm{font-weight:500;font-size:10.5px;fill:var(--mute)}
.ill .bar{fill:var(--navy)}
.ill .axis{stroke:#9AA6B4;stroke-width:1.5}
.ill .box{fill:#fff;stroke:var(--navy);stroke-width:2}
.ill .arr{stroke:var(--gold-d);stroke-width:3}
.ticks{list-style:none;padding-left:0 !important}
.ticks li{position:relative;padding-left:28px}
.ticks li::before{content:"";position:absolute;left:3px;top:.55em;width:12px;height:12px;border-radius:50%;background:var(--gold)}
.srcs{margin-top:2.6em;padding:18px 20px;background:var(--bg);border-radius:12px;font-size:.9rem}
.srcs h2{font-size:1.1rem;margin:0 0 .4em}
.srcs ul{padding-left:1.2em;margin:0}
.srcs p{color:var(--mute);margin:.8em 0 0}
.faqs{padding:10px 0 50px}
.faqs h2{margin-top:0}
.faqs details{border:1px solid var(--rule);border-radius:12px;padding:0 16px;margin:10px 0;background:#fff}
.faqs summary{cursor:pointer;font-weight:700;color:var(--ink);padding:14px 0}
.faqs details p{margin:0 0 14px}

.cta-band{background:var(--navy);color:#D9E1EA;padding:54px 0}
.cta-band h2{color:#fff;margin-top:0}
.cta-in{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start}
.cta-band .quiet{color:#A9B6C4;font-size:.9rem}
.gq{background:#fff;color:var(--body);border-radius:18px;padding:24px;box-shadow:0 18px 40px rgba(0,0,0,.22)}
.gq-h{margin:0;font-size:1.35rem}
.gq-sub{margin:.2em 0 .6em;font-size:.9rem;color:var(--mute)}
.gq p{margin:10px 0 0}
.gq label{display:block;font-size:.86rem;font-weight:700;color:var(--ink);margin-bottom:4px}
.gq input,.gq select,.gq textarea{width:100%;font:inherit;font-size:1rem;padding:10px 12px;border:1px solid #C5CED8;border-radius:10px;background:#fff;color:var(--ink)}
.gq textarea{min-height:88px;resize:vertical}
.gq input:focus,.gq select:focus,.gq textarea:focus{outline:3px solid rgba(242,181,68,.6);border-color:var(--gold-d)}
.gq-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.gq .cf-turnstile{margin-top:14px}
.gq button{margin-top:16px}
.gq-fine{font-size:.78rem;color:var(--mute)}
.gq-hide{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}

.site-foot{background:#18222E;color:#B5C0CC;padding:46px 0 24px;font-size:.92rem}
.site-foot h2{color:#fff;font-size:1rem;margin:0 0 .6em}
.site-foot a{color:#E5EBF1}
.site-foot ul{list-style:none;padding:0;margin:0}
.site-foot li{margin:.35em 0}
.sf-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:30px}
.sf-legal{font-size:.78rem;color:#8794A3;border-top:1px solid #2A3644;margin-top:26px;padding-top:16px}

@media (max-width:1180px){
  .menu-links{display:none}
  .mh{justify-content:space-between}
  .masthead .call{margin-left:auto}
  .menu-toggle{display:block}
  .menu-toggle summary{list-style:none;cursor:pointer;font-weight:700;color:var(--ink);padding:8px 12px;border:1px solid var(--rule);border-radius:10px}
  .menu-toggle summary::-webkit-details-marker{display:none}
  .menu-toggle ul{position:absolute;left:0;right:0;top:100%;background:#fff;list-style:none;margin:0;padding:8px 22px 14px;border-bottom:1px solid var(--rule);z-index:5;box-shadow:0 12px 20px rgba(0,0,0,.08)}
  .menu-toggle li a{display:block;padding:10px 0;border-bottom:1px solid var(--rule);color:var(--ink);text-decoration:none;font-weight:600}
  .lead-in,.cta-in{grid-template-columns:1fr;gap:30px}
  .cards{grid-template-columns:1fr 1fr}
  .flow{grid-template-columns:1fr 1fr}
}
@media (max-width:600px){
  .masthead .call span{display:none}
  .masthead .call{padding:11px 13px}
  .cards,.flow,.gq-row,.sf-grid{grid-template-columns:1fr}
  .stats{grid-template-columns:1fr;gap:8px}
  .stat{display:flex;align-items:baseline;gap:10px}
  .stat b{font-size:1.05rem;white-space:nowrap}
  .logo{font-size:.95rem;line-height:1.2;white-space:normal}
  .logo span{max-width:150px}
  .gq{padding:18px}
}
.photo{margin:1.6em 0}
.photo img{display:block;width:100%;height:auto;border-radius:14px}
.photo figcaption{font-size:.85rem;color:var(--mute);margin-top:6px}
.narrowpic{max-width:520px}