#pfw-how-it-works{--ink:#0c100b;--paper:#f5f4eb;--white:#fffef8;--lime:#caff33;--lime-deep:#91b91f;--sage:#dce3d4;--muted:#667064;--line:rgba(12,16,11,.14);--orange:#ff674d;--max:1240px;--shadow:0 24px 70px rgba(18,27,12,.12)}

#pfw-how-it-works *{box-sizing:border-box}

#pfw-how-it-works{scroll-behavior:smooth;scroll-padding-top:110px}

#pfw-how-it-works{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,Arial,Helvetica,sans-serif;font-size:16px;line-height:1.65}

#pfw-how-it-works a{color:inherit;text-decoration:none}

#pfw-how-it-works svg{width:1.2em;height:1.2em;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}

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#pfw-how-it-works .reading-progress span{display:block;width:0;height:100%;background:var(--lime)}

#pfw-how-it-works .site-header{height:82px;padding:0 max(28px,calc((100vw - var(--max))/2));display:flex;align-items:center;gap:38px;background:rgba(255,254,248,.93);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:900;backdrop-filter:blur(18px)}

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#pfw-how-it-works .reading-layout aside{position:relative}

#pfw-how-it-works .toc-card{position:sticky;top:110px}

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#pfw-how-it-works .related-grid span,#pfw-how-it-works .policy-card>div:nth-child(2)>span{font-size:11px;text-transform:uppercase;letter-spacing:.13em;color:#718044;font-weight:800}

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#pfw-how-it-works .contact-band a{background:var(--ink);color:white;padding:13px 17px;border-radius:10px;display:flex;align-items:center;gap:9px;font-size:13px;font-weight:700}

#pfw-how-it-works footer{background:var(--ink);color:white;padding:76px max(28px,calc((100vw - var(--max))/2)) 24px}

#pfw-how-it-works .footer-lead{display:grid;grid-template-columns:1fr 2fr;gap:80px;align-items:start;border-bottom:1px solid rgba(255,255,255,.14);padding-bottom:55px}

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@media(max-width:1000px){#pfw-how-it-works .desktop-nav,#pfw-how-it-works .header-actions{display:none}#pfw-how-it-works .menu-button{display:block;margin-left:auto}#pfw-how-it-works .mobile-panel{position:fixed;z-index:850;top:82px;left:0;right:0;background:var(--white);padding:24px;box-shadow:var(--shadow);transform:translateY(-130%);transition:transform .3s;display:flex;flex-direction:column}#pfw-how-it-works .mobile-panel.open{transform:none}#pfw-how-it-works .mobile-panel>a{padding:13px 0;border-bottom:1px solid var(--line)}#pfw-how-it-works .mobile-panel>div{display:grid;grid-template-columns:1fr 1.4fr;gap:10px;margin-top:20px}#pfw-how-it-works .mobile-sign,#pfw-how-it-works .mobile-cta{display:flex;align-items:center;justify-content:center;border:1px solid var(--ink);border-radius:10px;padding:12px}#pfw-how-it-works .reading-layout{grid-template-columns:1fr;padding:55px 28px;gap:30px}#pfw-how-it-works .toc-card{position:relative;top:0}#pfw-how-it-works .toc-head{padding:15px}#pfw-how-it-works .toc-toggle{display:flex;align-items:center;gap:8px}#pfw-how-it-works .toc{display:none;background:var(--white);padding:10px 18px;max-height:360px}#pfw-how-it-works .toc.open{display:block}#pfw-how-it-works .policy-help{display:none}#pfw-how-it-works .policy-hero,#pfw-how-it-works .center-hero{margin:20px;max-width:none}#pfw-how-it-works .center-hero{grid-template-columns:1fr}#pfw-how-it-works .trust-panel{max-width:400px}#pfw-how-it-works .policy-library{padding:80px 28px}#pfw-how-it-works .related-grid{grid-template-columns:1fr}#pfw-how-it-works .related-grid>a{min-height:220px}#pfw-how-it-works .contact-band{margin:0 28px 80px}#pfw-how-it-works .footer-lead{grid-template-columns:1fr;gap:30px}}

@media(max-width:680px){#pfw-how-it-works .site-header{height:72px;padding:0 20px}#pfw-how-it-works .mobile-panel{top:72px}#pfw-how-it-works .brand{font-size:21px}#pfw-how-it-works .brand-mark{width:34px;height:34px}#pfw-how-it-works .policy-hero,#pfw-how-it-works .center-hero{margin:12px;border-radius:18px;padding:74px 24px 30px}#pfw-how-it-works .crumb{left:24px;top:24px}#pfw-how-it-works .policy-hero h1,#pfw-how-it-works .center-copy h1{font-size:45px}#pfw-how-it-works .hero-intro{font-size:16px}#pfw-how-it-works .policy-meta{grid-template-columns:1fr;gap:12px}#pfw-how-it-works .policy-meta div{padding-bottom:10px;border-bottom:1px solid rgba(255,255,255,.1)}#pfw-how-it-works .center-hero{min-height:auto;gap:40px}#pfw-how-it-works .trust-panel{padding:22px}#pfw-how-it-works .trust-icon{margin-bottom:30px}#pfw-how-it-works .library-head{align-items:stretch;flex-direction:column}#pfw-how-it-works .search{width:100%;margin-bottom:18px}#pfw-how-it-works .policy-grid{grid-template-columns:1fr}#pfw-how-it-works .policy-card{grid-template-columns:42px 1fr;min-height:310px;padding:22px;gap:12px}#pfw-how-it-works .policy-card h2{font-size:29px}#pfw-how-it-works .policy-content h2{font-size:27px;margin-top:55px}#pfw-how-it-works .policy-content>p:first-child{font-size:18px}#pfw-how-it-works .related{padding:70px 24px}#pfw-how-it-works .related h2{font-size:40px}#pfw-how-it-works .contact-band{padding:32px 24px;grid-template-columns:1fr}#pfw-how-it-works .contact-band h2{font-size:39px}#pfw-how-it-works .contact-band>div:last-child{grid-column:1;flex-direction:column}#pfw-how-it-works .footer-lead>p{font-size:23px}#pfw-how-it-works .footer-grid{grid-template-columns:repeat(2,1fr)}#pfw-how-it-works .footer-base{flex-direction:column;gap:8px}}

#pfw-how-it-works .brand-mark{width:43px;height:43px;background:transparent;border-radius:0;filter:drop-shadow(0 8px 12px rgba(17,20,15,.14))}

#pfw-how-it-works .brand-mark svg{width:100%;height:100%;stroke:none}

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#pfw-how-it-works .brandBar{fill:#d9ff57;stroke:none}

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#pfw-how-it-works .brand>span:last-child span{color:#78930f}

#pfw-how-it-works .brand-light>span:last-child span{color:#d9ff57}

#pfw-how-it-works .site-header{gap:28px}

#pfw-how-it-works .desktop-nav{gap:24px}

#pfw-how-it-works .desktop-nav a,#pfw-how-it-works .sign-in{font-weight:700}

#pfw-how-it-works .policy-hero{padding:76px 48px 32px}

#pfw-how-it-works .policy-hero .crumb{left:48px}

#pfw-how-it-works .policy-hero h1{font-size:clamp(32px,4.2vw,56px);line-height:1.1;max-width:920px;letter-spacing:-.045em;text-wrap:balance}

#pfw-how-it-works .hero-intro{font-size:17px;margin:18px 0 26px;max-width:680px}

#pfw-how-it-works .center-hero{min-height:0;padding:48px;gap:48px;align-items:center}

#pfw-how-it-works .center-copy h1{font-size:clamp(36px,4.1vw,56px);line-height:1.08;letter-spacing:-.045em}

#pfw-how-it-works .center-copy>p:last-child{font-size:17px;margin-top:20px}

#pfw-how-it-works .trust-icon{margin-bottom:24px}

#pfw-how-it-works .reading-layout{padding-top:48px}

#pfw-how-it-works .reference-footer{display:grid;grid-template-columns:1.6fr repeat(4,1fr);gap:48px;padding-bottom:64px}

#pfw-how-it-works .reference-footer-brand .brand{flex-direction:column;align-items:flex-start;gap:0}

#pfw-how-it-works .reference-footer-brand p{font-size:14px;line-height:1.8;color:#b4bcab;margin:30px 0 20px}

#pfw-how-it-works .reference-footer h3{color:#fffef8;font-size:13px;text-transform:uppercase;letter-spacing:.1em;margin:6px 0 30px}

#pfw-how-it-works .reference-footer>div:not(:first-child)>a{display:block;font-size:14px;color:#b4bcab;margin:0 0 18px}

#pfw-how-it-works .reference-footer a:hover{color:#d9ff57}

#pfw-how-it-works .footer-email{font-size:14px;color:#d9ff57}

#pfw-how-it-works .footer-cta{display:flex;width:fit-content;align-items:center;gap:16px;margin-top:24px;padding:12px 16px;border:1px solid #596b20;border-radius:11px;background:#1a2012;color:#d9ff57;font-size:13px;font-weight:750}

#pfw-how-it-works .footer-base{gap:20px}

#pfw-how-it-works .policy-card[hidden]{display:none}

#pfw-how-it-works .reveal{opacity:1;transform:none}

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#pfw-how-it-works .hiw-panel li{position:relative;padding-left:20px;margin:8px 0}

#pfw-how-it-works .hiw-panel li:before{content:'';position:absolute;left:0;top:.8em;width:6px;height:1px;background:#617335}

#pfw-how-it-works .hiw-panel ul{padding-left:0}

#pfw-how-it-works .hiw-tabs button{min-height:48px}