.consumer-skip-link{position:fixed;left:16px;top:-90px;z-index:1000;background:#09253d;color:#fff;padding:10px 16px;font-weight:800}
.consumer-skip-link:focus{top:12px}
.consumer-ribbon{background:#09253d;border-bottom:3px solid #d7a546;color:#dce8ef}
.consumer-ribbon .wrap{min-height:52px;display:flex;align-items:center;justify-content:center;gap:14px;font-size:.82rem}
.consumer-ribbon strong{color:#f0c875;letter-spacing:.01em}
.consumer-ribbon a{margin-left:auto;color:#fff;font-weight:900;white-space:nowrap}
.consumer-help-section{padding:84px 0;background:#fff}
.consumer-help-section--compact{background:#f7f3eb}
.consumer-heading{display:grid;grid-template-columns:1.1fr .8fr;gap:60px;align-items:end;margin-bottom:32px}
.consumer-heading h2{margin:0;max-width:720px}
.consumer-heading>p{margin:0;color:#5c6976}
.consumer-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.consumer-steps article{padding:30px;border:1px solid #dce3e8;border-top:4px solid #09253d;background:#fff}
.consumer-steps article>span{display:inline-grid;place-items:center;width:40px;height:40px;margin-bottom:18px;border-radius:50%;background:#09253d;color:#fff;font-weight:900}
.consumer-steps h3{margin:0 0 8px;color:#09253d}
.consumer-steps p{margin:0;color:#5c6976;font-size:.93rem}
.consumer-checklist{display:grid;grid-template-columns:.8fr 1.2fr;gap:40px;align-items:center;margin-top:24px;padding:28px 34px;background:#edf3f6;border-left:5px solid #d7a546}
.consumer-checklist h3{margin:0;color:#09253d}
.consumer-checklist ul{columns:2;margin:0;padding-left:20px}
.consumer-checklist li{margin:6px 0}
.button,.nav-actions a,.claim-action-dock a{min-height:44px}
.inner-section p,.page-hero p,.hero p{max-width:72ch}
a:focus-visible,summary:focus-visible{outline:3px solid #d7a546!important;outline-offset:3px}
.claim-action-dock{z-index:90!important}
.claim-standard-section{padding:84px 0;color:#dce8ef;background:#061724;border-top:5px solid #d7a546}
.claim-standard-heading{display:grid;grid-template-columns:1fr .9fr;gap:72px;align-items:end;margin-bottom:34px}
.claim-standard-heading h2{margin:0;color:#fff}
.claim-standard-heading>div:last-child p{margin:0 0 9px;color:#c5d3dc}
.claim-standard-heading>div:last-child strong{color:#f0c875}
.claim-standard-grid{display:grid;grid-template-columns:repeat(5,1fr);border:1px solid rgba(255,255,255,.14)}
.claim-standard-grid article{min-height:235px;padding:24px 20px;border-right:1px solid rgba(255,255,255,.14)}
.claim-standard-grid article:last-child{border:0}
.claim-standard-grid article>span{color:#f0c875;font-family:Georgia,serif;font-size:1.35rem}
.claim-standard-grid h3{margin:34px 0 8px;color:#fff}
.claim-standard-grid p{margin:0;color:#aebfc9;font-size:.84rem}
.claim-record-proof{display:flex;align-items:center;gap:16px;max-width:420px;padding:24px;border:1px solid rgba(255,255,255,.18);border-left:5px solid #d7a546}
.claim-record-proof strong{color:#f0c875;font-family:Georgia,serif;font-size:3rem;line-height:1}
.claim-record-proof span{color:#d3e0e7;font-size:.82rem;line-height:1.4}
@media(max-width:920px){.claim-standard-heading{grid-template-columns:1fr;gap:14px}.claim-standard-grid{grid-template-columns:repeat(2,1fr)}.claim-standard-grid article{border-bottom:1px solid rgba(255,255,255,.14)}}
@media(max-width:820px){.consumer-ribbon .wrap{padding:10px 0;align-items:flex-start;flex-wrap:wrap}.consumer-ribbon span{flex:1 1 55%}.consumer-ribbon a{margin-left:0}.consumer-heading,.consumer-checklist{grid-template-columns:1fr;gap:12px}.consumer-steps{grid-template-columns:1fr}.consumer-checklist ul{columns:1}}
@media(max-width:520px){.consumer-ribbon span{display:none}.consumer-ribbon .wrap{justify-content:space-between}.consumer-help-section,.claim-standard-section{padding:60px 0}.claim-standard-grid{grid-template-columns:1fr}.claim-standard-grid article{min-height:0;border-right:0}}