:root{--brand-primary:#32447B;--brand-primary-dark:#1E294D;--brand-primary-light:#8C9AC6;--brand-secondary:#43868D;--brand-accent:#CC5B33;--brand-neutral-dark:#16202B;--brand-neutral-mid:#52606D;--brand-neutral-light:#F2F6F9;--brand-bg:#FFFFFF;--brand-bg-alt:#EAF1F6;--brand-text:#16202B;--brand-text-secondary:#52606D;--brand-text-inverse:#FFFFFF;--brand-border:#D5E0E8;--brand-success:#22C55E;--brand-warning:#F59E0B;--brand-danger:#EF4444;--brand-radius:0px;--brand-font:Arial,Helvetica,sans-serif;--space-sm:8px;--space-md:16px;--space-lg:24px;--space-xl:32px;--space-2xl:48px;--space-3xl:64px}*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;font-family:var(--brand-font);color:#16202b;color:var(--brand-text);background:#fff;background:var(--brand-bg);line-height:1.65}a{color:#32447b;color:var(--brand-primary);-webkit-text-decoration:none;text-decoration:none}a:hover{color:#cc5b33;color:var(--brand-accent)}img{max-width:100%;display:block}h1,h2,h3,h4,h5,h6{color:#16202b;color:var(--brand-text);line-height:1.16;letter-spacing:0}section{padding-top:80px;padding-bottom:80px}.phil-eyebrow{display:inline-flex;align-items:center;gap:8px;color:#cc5b33;color:var(--brand-accent);font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:0}.phil-section-head{max-width:820px;margin:0 auto 40px;text-align:center}.phil-section-head h2{font-size:max(1.8rem, min(3vw, 2.6rem));margin:10px 0 14px}.phil-section-head p{color:#16202b;color:var(--brand-text);margin:0}.btn{border-radius:0;border-radius:var(--brand-radius);font-weight:700;min-height:44px;display:inline-flex;align-items:center;justify-content:center;padding:10px 18px}.phil-btn-primary,.phil-nav-cta{background:#32447b;background:var(--brand-primary);border:1px solid #32447b;border:1px solid var(--brand-primary);color:#fff;color:var(--brand-text-inverse)}.phil-btn-primary:hover,.phil-nav-cta:hover{background:#1e294d;background:var(--brand-primary-dark);border-color:#1e294d;border-color:var(--brand-primary-dark);color:#fff;color:var(--brand-text-inverse)}.phil-btn-light{background:#fff;border:1px solid #fff;color:#1e294d;color:var(--brand-primary-dark)}.phil-btn-light:hover{background:#eaf1f6;background:var(--brand-bg-alt);border-color:#eaf1f6;border-color:var(--brand-bg-alt);color:#1e294d;color:var(--brand-primary-dark)}.phil-btn-outline,.phil-btn-outline-light{background:0 0;border:1px solid currentColor}.phil-btn-outline{color:#32447b;color:var(--brand-primary)}.phil-btn-outline-light{color:#fff}.phil-btn-outline-light:hover{background:#fff;color:#1e294d;color:var(--brand-primary-dark)}.phil-topbar{background:#1e294d;background:var(--brand-primary-dark);color:#fff;font-size:.88rem;padding:8px 0}.phil-topbar a,.phil-topbar span{color:#fff}.phil-topbar a{-webkit-text-decoration:underline;text-decoration:underline;text-underline-offset:3px}.phil-navbar{background:#fff;border-bottom:1px solid #d5e0e8;border-bottom:1px solid var(--brand-border);box-shadow:0 2px 10px rgba(22,32,43,.06)}.phil-navbar .navbar-brand img{width:180px;height:40px;-o-object-fit:contain;object-fit:contain}.phil-navbar .nav-link{color:#16202b;color:var(--brand-text);font-size:.94rem;font-weight:700;padding:18px 12px;position:relative}.phil-navbar .nav-link::after{content:"";position:absolute;left:50%;right:50%;bottom:12px;height:2px;background:#32447b;background:var(--brand-primary);transition:left .2s,right .2s}.phil-navbar .nav-link.active::after,.phil-navbar .nav-link:hover::after{left:12px;right:12px}.phil-nav-search{display:flex;margin-left:14px}.phil-nav-search input{width:130px;border:1px solid #d5e0e8;border:1px solid var(--brand-border);border-radius:0;border-radius:var(--brand-radius);min-height:40px;padding:8px 10px;color:#16202b;color:var(--brand-text)}.phil-nav-cta{margin-left:12px}.phil-footer{background:#1e294d;background:var(--brand-primary-dark);color:#fff;padding-top:64px}.phil-footer h2,.phil-footer h5,.phil-footer p,.phil-footer span{color:#fff}.phil-footer a:not(.btn):not([class*=btn-]){color:#fff;-webkit-text-decoration:none;text-decoration:none}.phil-footer a:not(.btn):not([class*=btn-]):hover{color:#fff;-webkit-text-decoration:underline;text-decoration:underline;text-underline-offset:4px}.phil-footer-cta{padding:0 0 56px}.phil-footer-cta h2{font-size:max(1.6rem, min(3vw, 2.4rem));max-width:820px;margin:8px 0 0}.phil-footer-cta__btn{background:#fff;color:#1e294d;color:var(--brand-primary-dark);border:1px solid #fff;flex:0 0 auto}.phil-footer .phil-footer-cta__btn{background:#fff;color:#1e294d;color:var(--brand-primary-dark)}.phil-footer-main{border-top:1px solid rgba(255,255,255,.18);padding:52px 0 34px}.phil-footer-cols{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));grid-gap:24px;gap:24px}.phil-footer-col{display:flex;flex-direction:column;gap:10px}.phil-footer-col h5{font-size:1rem;margin:0 0 6px}.phil-footer-badge{display:block;border:1px solid rgba(255,255,255,.28);padding:8px 10px;font-size:.86rem}.phil-footer-cert,.phil-footer-legal,.phil-footer-social{border-top:1px solid rgba(255,255,255,.18);margin-top:30px;padding-top:22px;display:flex;flex-wrap:wrap;gap:12px 20px;align-items:center;justify-content:space-between}.phil-footer-cert{justify-content:center}.phil-footer-cert span{border:1px solid rgba(255,255,255,.28);padding:8px 12px;font-size:.86rem}.phil-feedback-modal .modal-dialog{max-width:560px}.phil-feedback-modal .modal-content{border-radius:0;border-radius:var(--brand-radius);overflow:hidden;border:0}.phil-feedback-modal .modal-header{background:#1e294d;background:var(--brand-primary-dark);border-bottom:0}.phil-feedback-modal .modal-title{color:#fff;font-size:1.2rem}.phil-feedback-modal .modal-body{padding:24px}.phil-feedback-modal .modal-body p{color:#16202b;color:var(--brand-text);margin-bottom:18px}.phil-check-list{padding-left:0;list-style:none;display:grid;grid-gap:10px;gap:10px;margin:20px 0 0}.phil-check-list li{position:relative;padding-left:28px}.phil-check-list li::before{content:"";position:absolute;left:0;top:9px;width:12px;height:12px;background:#43868d;background:var(--brand-secondary)}.phil-inline-form{background:#fff;color:#16202b;color:var(--brand-text);border:1px solid #d5e0e8;border:1px solid var(--brand-border);padding:28px}[class*=-grid]:has(> :nth-child(5):last-child),[class*=-grid]:has(> :nth-child(6):last-child){grid-template-columns:repeat(3,minmax(0,1fr))}@media (max-width:991px){section{padding-top:64px;padding-bottom:64px}.phil-navbar .navbar-collapse{padding:16px 0 20px}.phil-navbar .nav-link{padding:10px 0}.phil-nav-search{margin:12px 0}.phil-nav-search input{width:100%}.phil-nav-cta{margin-left:0;width:100%}.phil-footer-cols{grid-template-columns:repeat(2,minmax(0,1fr))}[class*=-grid]:has(> :nth-child(5):last-child),[class*=-grid]:has(> :nth-child(6):last-child){grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:575px){section{padding-top:52px;padding-bottom:52px}.phil-footer-cols,[class*=-grid]:has(> :nth-child(5):last-child),[class*=-grid]:has(> :nth-child(6):last-child){grid-template-columns:1fr}.phil-footer-legal,.phil-footer-social{justify-content:flex-start}}.phil-feedback-form{color:#16202b;color:var(--brand-text)}.phil-feedback-form .form-label{color:#16202b;color:var(--brand-text);font-size:.9rem;font-weight:700}.phil-feedback-form .form-control,.phil-feedback-form .form-select{border:1px solid #d5e0e8;border:1px solid var(--brand-border);border-radius:0;border-radius:var(--brand-radius);min-height:48px;color:#16202b;color:var(--brand-text);background:#fff}.phil-feedback-form textarea.form-control{min-height:118px}.phil-feedback-form .form-control:focus,.phil-feedback-form .form-select:focus{border-color:#32447b;border-color:var(--brand-primary);box-shadow:0 0 0 .2rem rgba(50,68,123,.14)}.phil-feedback-form .form-check-label,.phil-feedback-form .form-check-label a{color:#16202b;color:var(--brand-text)}.phil-form-submit{width:100%;background:#32447b;background:var(--brand-primary);border:1px solid #32447b;border:1px solid var(--brand-primary);color:#fff}.phil-form-submit:hover{background:#1e294d;background:var(--brand-primary-dark);border-color:#1e294d;border-color:var(--brand-primary-dark);color:#fff}