:root{--ink:#172f4a;--red:#ad3540;--muted:#506476;--pale:#f5f7f9;--line:#d7e1e8;--content-width:1200px;--header-height:108px;--gutter:40px;--page-gutter:var(--gutter);color-scheme:light}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;background:#fff;color:var(--ink);font:16px/1.75 Arial,Helvetica,sans-serif}button,input,textarea,select{font:inherit}button,a,input,textarea,select,summary{-webkit-tap-highlight-color:transparent}button,summary{cursor:pointer}a{color:inherit;text-underline-offset:4px}img{max-width:100%}figure{margin:0}h1,h2,h3{font-family:"DM Serif Text",Georgia,serif;font-weight:400;line-height:1.15;letter-spacing:-.025em}h1 em,h2 em{color:var(--red);font-weight:400;font-synthesis:none}h1{font-size:clamp(40px,4.6vw,64px);margin:0}h2{font-size:clamp(32px,3.5vw,46px);margin:0 0 22px}h3{font-size:27px}p{margin:0 0 20px}button:focus-visible,a:focus-visible,summary:focus-visible{outline:3px solid #527a99;outline-offset:5px}input:focus,textarea:focus,select:focus{outline:2px solid #527a99;outline-offset:2px}[hidden]{display:none!important}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link{position:absolute;left:20px;top:-100px;background:#fff;padding:12px 18px;z-index:100;border:1px solid var(--line)}.skip-link:focus{top:12px}
body .site-header,body.sg-version .site-header{height:108px;max-width:calc(var(--content-width) + 2 * var(--gutter));width:100%;margin:auto;padding:0 var(--gutter);display:flex;align-items:center;gap:28px;background:#fff;border-bottom:0;position:relative;z-index:10}body .site-header .brand,body.sg-version .site-header .brand{display:block;width:220px;height:auto;max-width:none;line-height:0;aspect-ratio:1823/589;flex:0 0 220px;overflow:visible}body .site-header .aligned-logo{width:100%;height:auto;display:block;position:static;max-width:100%}.site-nav,body.sg-version .site-header nav{display:flex;align-items:center;gap:24px;margin-left:auto}.site-nav a,body.sg-version .site-header nav a{font:400 13px/1.5 Arial,sans-serif;text-decoration:none;color:var(--ink);white-space:nowrap;padding:12px 0}.site-nav a:hover{color:var(--red)}.site-nav a[aria-current=page]{text-decoration:underline;text-decoration-color:var(--red);text-underline-offset:7px}.header-help{display:inline-flex;align-items:center;gap:20px;border:1px solid #8ea5b5;border-radius:4px;font:600 13px/1.4 Arial,sans-serif;padding:13px 18px;text-decoration:none;min-height:46px;white-space:nowrap}.header-help:hover{background:var(--ink);color:#fff}.site-header .menu-toggle{display:none}
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.home-page.sg-version .sg-hero{max-width:calc(var(--content-width) + 2 * var(--gutter));width:100%;margin:auto;padding-inline:var(--gutter)}.service-learn{display:block;margin-top:17px;font:600 13px/1.5 Arial,sans-serif;padding:7px 0;text-decoration:none}.service-learn:hover{text-decoration:underline}.hub-browse,.hub-read{text-decoration:none}.home-page .hub-heading h2 em{display:block}.home-page .credit-callout-title em,.home-page #credit-callout-title em{display:block}.home-page .sg-primary{color:#fff}.home-page .photo-stage{min-width:0}.home-page .sg-copy{min-width:0}.home-page .service-tabs{min-width:0}html:not(.js) .service-panel[hidden]{display:block!important;margin-top:24px}html:not(.js) .service-tabs{display:none}
.journal-library{padding-block:45px 85px}.journal-filters{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:35px}.journal-filters button{background:#fff;border:1px solid var(--line);border-radius:40px;padding:11px 18px;color:var(--muted);font-size:13px;min-height:44px}.journal-filters button[aria-pressed=true]{background:var(--ink);border-color:var(--ink);color:#fff}.journal-filters button:hover{border-color:#8ea5b5}.journal-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:45px}.journal-card{border-bottom:1px solid var(--line);padding-bottom:30px;min-width:0}.journal-card>img{width:100%;height:265px;object-fit:cover;border-radius:5px}.journal-card>div{padding:25px 3px 0}.journal-card h2{font-size:32px;line-height:1.15;margin-bottom:16px}.journal-card h2 a{text-decoration:none}.journal-card h2 a:hover{color:var(--red)}.journal-card p:not(.eyebrow){font-size:15px;color:var(--muted)}.journal-card .eyebrow{margin-bottom:13px}html:not(.js) .journal-filters{display:none}
.service-directory{padding-block:65px 85px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:40px}.service-directory-card{border:1px solid var(--line);border-radius:6px;overflow:hidden}.service-directory-card>img{display:block;width:100%;height:230px;object-fit:cover}.service-directory-card>div{padding:27px 30px 30px}.section-number{font-size:13px;color:var(--muted);display:block;margin-bottom:15px}.service-directory-card h2{font-size:32px;margin-bottom:17px}.service-directory-card h2 a{text-decoration:none}.service-directory-card h2 a:hover{color:var(--red)}.service-directory-card p{font-size:15px;line-height:1.8;color:var(--muted)}.service-hero{padding:52px 0 65px;background:var(--pale)}.service-hero .split-layout{gap:65px;grid-template-columns:1.05fr .95fr}.service-hero h1{font-size:clamp(40px,4.1vw,57px);margin:18px 0 23px}.service-hero figure{height:400px;border:7px solid #fff}.service-hero .page-deck{font-size:16px}.service-hero .button{margin-top:8px}.support-detail{padding-block:75px 85px;display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:90px;align-items:start}.support-main h2 em{display:block}.support-main>p{color:var(--muted)}.support-steps{list-style:none;margin:35px 0;padding:0}.support-steps li{display:grid;grid-template-columns:38px 1fr;gap:20px;padding:24px 0;border-top:1px solid var(--line)}.support-steps li>span{color:#71879a;font-size:14px;padding-top:7px}.support-steps h3{font-size:27px;line-height:1.25;margin:0 0 15px}.support-steps p{font-size:15px;color:var(--muted);margin:0}.helpful-note{border-left:3px solid #8ea5b5;background:var(--pale);padding:27px 30px}.helpful-note h3{font-size:29px;margin:0 0 15px}.helpful-note p{font-size:15px;color:var(--muted)}.helpful-note p:last-child{margin-bottom:0}.support-aside{background:var(--pale);border:1px solid var(--line);border-radius:5px;padding:28px;position:sticky;top:28px}.support-aside h2{font-size:30px}.support-aside p{font-size:14px;color:var(--muted)}.support-aside .button{font-size:13px;gap:17px;padding-inline:18px}.support-aside .text-link{margin-top:17px;font-size:13px}
.about-story{padding-block:80px}.about-story figure{height:430px}.about-story h2 em,.values-section h2 em,.about-close h2 em{display:block}.about-story p{color:var(--muted)}.values-section{background:var(--pale);padding:70px 0}.values-section h2{text-align:center;margin-bottom:42px}.values-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:50px}.values-grid article{border-top:1px solid #b9c9d5;padding-top:24px}.values-grid span{color:var(--muted);font-size:13px}.values-grid h3{font-size:29px;margin:17px 0 18px}.values-grid p{font-size:15px;color:var(--muted);margin-bottom:0}.about-close{padding-block:75px 85px;text-align:center}.about-close>p{max-width:600px;margin:0 auto 26px;color:var(--muted)}.about-close .button-row{justify-content:center}
.contact-opening{padding-bottom:35px}.contact-opening h1{max-width:900px}.contact-opening .page-deck{max-width:650px}.contact-section{background:var(--pale);padding:0 var(--gutter) 75px}.contact-shell{max-width:800px;margin:auto}.contact-form{background:#fff;border:1px solid var(--line);border-radius:7px;padding:34px 38px;box-shadow:0 6px 24px #172f4a05}.form-heading{text-align:center;margin-bottom:28px}.form-heading h2{font-size:34px;margin:0 0 9px}.form-heading>p{color:var(--muted);font-size:14px;margin:0}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.form-field{min-width:0}.form-field.wide{grid-column:1/-1}.form-field label{display:block;font:600 13px/1.6 Arial,sans-serif;margin-bottom:8px}.form-field label>span{font-weight:400;color:var(--muted);margin-left:5px;font-size:11px}.contact-form input,.contact-form select,.contact-form textarea{display:block;width:100%;border:1px solid #bacbd7;border-radius:4px;background:#fff;color:var(--ink);font-size:16px;padding:12px 13px;min-height:49px}.contact-form textarea{resize:vertical;min-height:150px}.field-note{font-size:12px;line-height:1.7;margin:10px 0 0;color:var(--muted)}.form-actions{text-align:center;margin-top:27px}.form-fineprint{text-align:center;max-width:550px;margin:20px auto 0;font-size:12px;line-height:1.8;color:var(--muted)}.form-trap{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.form-feedback{padding:15px 18px;margin:20px 0 0;border:1px solid #8ea5b5;border-radius:4px;background:var(--pale);font-size:14px;color:var(--ink)}.form-feedback[data-error=true]{border-color:var(--red)}.contact-support{text-align:center;padding-top:39px}.contact-support h2{font-size:28px;margin-bottom:26px}.contact-support ol{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:27px}.contact-support li>span{font:400 25px/1.2 "DM Serif Text",Georgia,serif;color:#617e93}.contact-support h3{font:600 13px/1.6 Arial,sans-serif;margin:12px 0 9px;letter-spacing:0}.contact-support p{font-size:13px;line-height:1.8;color:var(--muted);margin:0}
.policy-layout{display:grid;grid-template-columns:230px minmax(0,710px);gap:80px;justify-content:center;padding-block:55px 85px}.policy-toc{position:sticky;top:28px;align-self:start}.policy-toc h2{font:600 13px/1.6 Arial,sans-serif;letter-spacing:0}.policy-toc ol{padding-left:19px;margin:0;color:var(--muted);font-size:13px}.policy-toc li{margin-bottom:12px;padding-left:4px}.policy-toc a{text-decoration:none}.policy-toc a:hover{text-decoration:underline;color:var(--red)}.policy-date{font-size:12px;color:var(--muted);margin-bottom:35px}.policy-body section+section{border-top:1px solid var(--line);margin-top:34px;padding-top:32px}.policy-body h2{font-size:32px;margin-bottom:21px}.policy-body p,.policy-body li{font-size:16px;line-height:1.85;color:var(--muted)}.policy-body li{margin-bottom:10px}.policy-body a{color:var(--ink)}.policy-body a:hover{color:var(--red)}
.ccf-logo .aligned-logo{width:100%;height:auto}.ccf-footer .ccf-inner{max-width:var(--content-width);width:calc(100% - var(--gutter)*2)}.ccf-legal-links a{padding:9px 0;min-height:40px;display:inline-flex;align-items:center}.ccf-legal-links a:hover{color:var(--red);text-decoration:underline}.ccf-footer .button{color:#fff}.ccf-cta-row .button{flex-shrink:0}.ccf-group summary{cursor:pointer}.ccf-group>summary span{display:inline-block;font-weight:400;margin-left:9px;font-size:18px}.ccf-group[open]>summary span{transform:rotate(45deg)}
@media(max-width:1150px){body .site-header,body.sg-version .site-header{gap:20px}.site-nav,body.sg-version .site-header nav{gap:18px}.header-help{gap:13px;padding-inline:14px}.support-detail{gap:45px}.split-layout{gap:45px}.ccf-columns{gap:27px}.service-hero .split-layout{gap:40px}.policy-layout{gap:45px}}
@media(max-width:1000px){:root{--gutter:24px}.header-help{display:none}.site-nav,body.sg-version .site-header nav{gap:24px}.page-opening{padding-block:55px}.split-layout{gap:32px}.support-detail{grid-template-columns:minmax(0,1fr) 275px;gap:35px}.support-aside{padding:24px}.values-grid{gap:28px}.service-hero figure{height:350px}.service-directory-card>div{padding:24px}.policy-layout{grid-template-columns:190px minmax(0,1fr);gap:35px}}
@media(max-width:720px){:root{--gutter:24px}.page-opening{padding:42px 0}.page-opening h1{font-size:44px}.page-deck{font-size:16px}.page-opening .page-deck{margin-top:20px}.split-layout,.service-hero .split-layout{grid-template-columns:1fr;gap:30px}.journal-library{padding-block:30px 50px}.journal-grid{gap:30px}.journal-card>img{height:195px}.journal-card h2{font-size:27px}.journal-card>div{padding-top:19px}.journal-filters{gap:8px;margin-bottom:25px}.journal-filters button{padding:9px 14px;font-size:12px}.service-directory{gap:25px;padding-block:40px 55px}.service-directory-card>img{height:180px}.service-directory-card h2{font-size:29px}.service-directory-card>div{padding:22px}.service-hero{padding-block:28px 40px}.service-hero figure{height:290px}.service-hero h1{font-size:44px}.support-detail{display:block;padding-block:45px 55px}.support-main h2{font-size:37px}.support-aside{position:static;margin-top:35px}.support-aside .text-link{display:block}.support-steps{margin-block:25px}.support-steps h3{font-size:25px}.helpful-note{padding:24px}.about-story{padding-block:45px}.about-story figure{height:300px}.about-story h2{font-size:37px}.values-section{padding-block:45px}.values-grid{gap:25px}.values-grid h3{font-size:25px}.about-close{padding-block:45px 55px}.contact-opening{padding-bottom:30px}.contact-form{padding:29px}.contact-section{padding-bottom:45px}.contact-support ol{gap:20px}.policy-layout{display:block;padding-block:30px 55px}.policy-toc{position:static;margin-bottom:35px;padding-bottom:23px;border-bottom:1px solid var(--line)}.policy-toc ol{columns:2;column-gap:30px}.policy-toc li{break-inside:avoid}.policy-date{margin-bottom:25px}.policy-body h2{font-size:30px}.simple-actions{padding-block:35px 55px}}
@media(max-width:600px){:root{--gutter:20px}body .site-header,body.sg-version .site-header{height:86px;gap:15px;flex-wrap:wrap}body .site-header .brand,body.sg-version .site-header .brand{width:195px;flex-basis:195px;max-width:calc(100vw - 115px)}.js body .site-header .menu-toggle{display:flex;margin-left:auto;flex-direction:column;gap:5px;align-items:center;justify-content:center;width:44px;height:44px;background:none;border:0;padding:11px}.site-header .menu-toggle span{display:block;width:22px;height:2px;background:var(--ink)}.js body .site-header .site-nav,.js body.sg-version .site-header nav{display:none;position:absolute;inset:86px 0 auto;padding:14px 22px 20px;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 12px 20px #172f4a0d;flex-direction:column;align-items:stretch;gap:0;margin:0}.js body .site-header.menu-open .site-nav,.js body.sg-version .site-header.menu-open nav{display:flex}body .site-header .site-nav a,body.sg-version .site-header nav a{font-size:15px;min-height:44px;padding:11px 0}html:not(.js) body .site-header,html:not(.js) body.sg-version .site-header{height:auto;padding-block:15px}html:not(.js) .site-nav,html:not(.js) body.sg-version .site-header nav{display:flex;flex-wrap:wrap;gap:15px;margin:10px 0 0}.page-opening h1{font-size:41px;letter-spacing:-1px}.page-opening{padding:35px 0 38px}.page-deck{font-size:15px}.journal-grid,.service-directory{grid-template-columns:1fr}.journal-card>img{height:230px}.journal-card h2{font-size:31px}.journal-card p:not(.eyebrow){font-size:14px}.service-directory-card>img{height:220px}.service-directory-card h2{font-size:31px}.service-hero h1{font-size:41px}.service-hero figure{height:240px}.support-steps li{grid-template-columns:28px 1fr;gap:13px}.support-steps h3{font-size:25px}.values-grid{grid-template-columns:1fr;gap:30px}.values-grid h3{font-size:29px;margin-top:12px}.values-section h2{font-size:36px;text-align:left}.about-story figure{height:265px}.about-close h2{font-size:36px}.contact-opening{padding-bottom:27px}.contact-section{padding-inline:var(--gutter)}.contact-form{padding:26px 22px}.form-heading h2{font-size:29px}.form-grid{grid-template-columns:1fr;gap:21px}.form-field.wide{grid-column:auto}.form-fineprint{font-size:11px}.form-heading>p{font-size:13px}.contact-support{padding-top:32px}.contact-support ol{grid-template-columns:1fr;gap:25px;max-width:330px;margin:auto}.contact-support h2{font-size:28px}.contact-support h3{font-size:14px}.contact-support p{font-size:14px}.policy-toc ol{columns:1}.policy-body p,.policy-body li{font-size:15px}.policy-body h2{font-size:29px}.ccf-cta-row>.button{margin-top:25px}.ccf-legal-links{gap:20px}.ccf-legal .ccf-top{margin-left:0}.simple-actions{align-items:stretch;flex-direction:column}.home-page .service-learn{font-size:13px}.home-page .sg-copy h1{font-size:clamp(32px,8.7vw,52px)}}
@media(max-width:370px){.page-opening h1,.service-hero h1{font-size:36px}.contact-form{padding-inline:18px}.form-heading h2{font-size:27px}.button{padding-inline:18px;font-size:13px}.home-page .sg-copy h1{font-size:8.3vw}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{scroll-behavior:auto!important;animation:none!important;transition:none!important}}

/* Match the 1,200px main content width on SmartCredit and BetterPath. */
.home-page .service-copy .service-read-more{margin:22px 0 4px;font-size:14px;line-height:1.7;color:var(--muted)}
.home-page .service-read-more a{color:var(--ink);font-weight:600;text-decoration:underline;text-decoration-color:#9aadb9;text-underline-offset:4px}
.home-page .service-read-more a:hover{color:var(--red);text-decoration-color:var(--red)}
.home-page .service-read-more a span{display:inline-block;margin-left:5px;text-decoration:none}
html[data-photo-treatment="feature-inset"] .home-page .photo-two{padding-bottom:8px}
@media(max-width:720px){html[data-photo-treatment="feature-inset"] .home-page .photo-two{padding-bottom:6px}}
.home-page .help-section,.home-page .hub-section{padding-inline:max(var(--gutter),calc((100% - var(--content-width))/2))}
.home-page .credit-callout-inner{max-width:var(--content-width);width:calc(100% - 2 * var(--gutter));margin-inline:auto}
.article-shell{max-width:var(--content-width);width:calc(100% - 2 * var(--gutter))}
.related-section{max-width:var(--content-width)}
@media(min-width:601px) and (max-width:850px){.site-nav,body.sg-version .site-header nav{gap:16px}.site-nav a,body.sg-version .site-header nav a{font-size:12px}}

/* A full-width, persistent navigation band with the approved content alignment. */
html{scroll-padding-top:calc(var(--header-height) + 25px)}
body .site-header,body.sg-version .site-header{position:sticky;top:0;z-index:100;display:block;width:100%;max-width:none;height:auto;padding:0;background:#fff;border-bottom:1px solid var(--line)}
.site-header-inner{position:relative;display:flex;align-items:center;gap:28px;width:100%;max-width:calc(var(--content-width) + 2 * var(--gutter));height:var(--header-height);margin-inline:auto;padding-inline:var(--gutter)}
.skip-link{z-index:110}
.reading-toc,.support-aside,.policy-toc{top:calc(var(--header-height) + 25px)}
[data-article-header=handbook] .article-heading h1{color:var(--ink);font-style:normal}
@media(min-width:601px){body .site-header .site-nav,body.sg-version .site-header nav{position:static;inset:auto;padding:0;background:transparent;border:0;box-shadow:none;flex-direction:row;align-items:center}}
@media(max-width:1150px){.site-header-inner{gap:20px}}
@media(max-width:600px){:root{--header-height:86px}.site-header-inner{gap:15px;flex-wrap:wrap}html:not(.js) .site-header-inner{height:auto;padding-block:15px}}
/* Article titles remain full-size headings when linked; the sidebar uses the shared red CTA. */
.related-card h3 a{font:inherit;letter-spacing:inherit;color:inherit;text-decoration:none;display:inline;min-height:0}
.related-card h3 a:hover{color:var(--red);text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:.12em}
.reading-toc .toc-help a.button{display:inline-flex;align-items:center;justify-content:center;gap:26px;background:var(--red);color:#fff;border:1px solid var(--red);border-radius:4px;min-height:52px;padding:14px 23px;font:600 14px/1.5 Arial,sans-serif;text-decoration:none}
.reading-toc .toc-help a.button:hover{background:#922a35;border-color:#922a35;color:#fff}
@media print{.site-header,.ccf-footer,.reading-toc,.related-section,.article-heading-tools,.policy-toc,.button,.skip-link,.journal-filters{display:none!important}body{color:#000;background:#fff;font-size:11pt}.page-opening,.article-hero{background:#fff!important;padding:10px 0}.page-shell,.article-shell,.reading-layout{width:100%!important;max-width:none!important;display:block!important}.reading-body{max-width:none!important}.reading-zone{padding:10px!important}.hero-picture{display:none!important}.article-chapter{break-inside:auto}a{color:#000}.policy-layout{display:block}.policy-body section{break-inside:avoid}h1{font-size:26pt}h2{font-size:19pt}}