:root{--karl-primary:#1F4E79;--karl-primary-dark:#143A5C;--karl-primary-light:#3B6FA0;--karl-secondary:#C19A53;--karl-accent:#F2EAD9;--karl-text:#1A202C;--karl-muted:#4A5568;--karl-inverse:#FFFFFF;--karl-bg:#FFFFFF;--karl-bg-alt:#F0F4F8;--karl-border:#E2E8F0;--karl-radius:4px;--karl-max:1140px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:#1a202c;color:var(--karl-text);font-family:"Source Sans 3","IBM Plex Sans","Segoe UI",sans-serif;font-size:16px;line-height:1.65;background:#fff;background:var(--karl-bg)}h1,h2,h3,h4,h5{margin-top:0;color:#1a202c;color:var(--karl-text);font-family:"IBM Plex Sans","Source Sans 3",sans-serif;font-weight:700;letter-spacing:-.02em;line-height:1.15}h1{font-size:max(2rem, min(4vw, 3.5rem))}h2{font-size:max(1.6rem, min(3vw, 2.4rem))}h3{font-size:1.2rem}p{color:#4a5568;color:var(--karl-muted)}a{color:#1f4e79;color:var(--karl-primary)}.container{max-width:1140px;max-width:var(--karl-max)}.karl-kicker{margin:0 0 16px;font-size:.75rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#c19a53;color:var(--karl-secondary);line-height:1.4}.karl-section{padding:80px 0}.karl-section-alt{background:#f0f4f8;background:var(--karl-bg-alt)}.karl-section-head{max-width:760px;margin-bottom:48px}.karl-caveat{margin-top:24px;padding-left:16px;border-left:3px solid #c19a53;border-left:3px solid var(--karl-secondary);font-size:.9rem;color:#4a5568;color:var(--karl-muted)}.karl-text-link{color:#1f4e79;color:var(--karl-primary);font-weight:700;-webkit-text-decoration:none;text-decoration:none;border-bottom:2px solid #c19a53;border-bottom:2px solid var(--karl-secondary);padding-bottom:2px}.karl-text-link:hover{color:#143a5c;color:var(--karl-primary-dark)}.karl-btn{border-radius:4px;border-radius:var(--karl-radius);padding:12px 22px;font-size:.9rem;font-weight:700;border:1px solid transparent;-webkit-text-decoration:none;text-decoration:none;display:inline-block}.karl-btn-primary{background:#1f4e79;background:var(--karl-primary);border-color:#1f4e79;border-color:var(--karl-primary);color:#fff;color:var(--karl-inverse)}.karl-btn-primary:hover{background:#143a5c;background:var(--karl-primary-dark);color:#fff;color:var(--karl-inverse)}.karl-btn-secondary{background:#c19a53;background:var(--karl-secondary);border-color:#c19a53;border-color:var(--karl-secondary);color:#143a5c;color:var(--karl-primary-dark)}.karl-btn-secondary:hover{background:#d4b06a;color:#143a5c;color:var(--karl-primary-dark)}.karl-btn-light{background:#fff;background:var(--karl-inverse);border-color:#fff;border-color:var(--karl-inverse);color:#1f4e79;color:var(--karl-primary)}.karl-btn-light:hover{background:#f2ead9;background:var(--karl-accent);color:#143a5c;color:var(--karl-primary-dark)}.karl-btn-outline{background:0 0;border-color:#1f4e79;border-color:var(--karl-primary);color:#1f4e79;color:var(--karl-primary)}.karl-btn-outline:hover{background:#1f4e79;background:var(--karl-primary);color:#fff;color:var(--karl-inverse)}.karl-btn-outline-light{background:0 0;border-color:#fff;border-color:var(--karl-inverse);color:#fff;color:var(--karl-inverse)}.karl-btn-outline-light:hover{background:#fff;background:var(--karl-inverse);color:#1f4e79;color:var(--karl-primary)}.karl-dark-section,.karl-dark-section a:not(.btn),.karl-dark-section h1,.karl-dark-section h2,.karl-dark-section h3,.karl-dark-section h4,.karl-dark-section p,.karl-dark-section span{color:#fff;color:var(--karl-inverse)}.karl-dark-section .karl-kicker{color:#f2ead9;color:var(--karl-accent)}.karl-dark-section p{color:rgba(255,255,255,.9)}.karl-topbar{background:#143a5c;background:var(--karl-primary-dark);color:rgba(255,255,255,.9);font-size:.78rem;min-height:36px;padding:8px 0}.karl-topbar a{color:#fff;color:var(--karl-inverse);-webkit-text-decoration:none;text-decoration:none}.karl-site-header{background:#fff;box-shadow:0 2px 10px rgba(11,37,69,.06)}.karl-navbar{background:#fff;min-height:72px;padding-top:8px;padding-bottom:8px}.karl-navbar .navbar-brand img{display:block;width:180px;min-width:180px;height:40px;min-height:40px;-o-object-fit:contain;object-fit:contain}.karl-navbar .nav-link{color:#1a202c;color:var(--karl-text);font-weight:600;font-size:.92rem;padding:.65rem .8rem!important;position:relative}.karl-navbar .nav-link:hover{color:#1f4e79;color:var(--karl-primary)}.karl-navbar .nav-link::after{content:"";position:absolute;left:.8rem;right:.8rem;bottom:.25rem;height:2px;background:#1f4e79;background:var(--karl-primary);transform:scaleX(0);transform-origin:left;transition:transform .25s}.karl-navbar .nav-link:hover::after{transform:scaleX(1)}.karl-footer{background:linear-gradient(135deg,#143a5c,#1f4e79);background:linear-gradient(135deg,var(--karl-primary-dark),var(--karl-primary));color:#fff;color:var(--karl-inverse);padding-top:64px;padding-bottom:24px}.karl-footer a,.karl-footer h4,.karl-footer h5,.karl-footer label,.karl-footer li,.karl-footer p,.karl-footer span{color:#fff;color:var(--karl-inverse)}.karl-footer__newsletter{padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.15);margin-bottom:48px}.karl-footer__newsletter-sub{max-width:720px;margin:0 auto 24px;color:rgba(255,255,255,.88)}.karl-footer__subscribe{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;align-items:center}.karl-footer__subscribe input[type=email]{min-width:280px;border:0;border-radius:4px;border-radius:var(--karl-radius);padding:12px 14px}.karl-footer__hipaa-consent{flex-basis:100%;font-size:.85rem;color:rgba(255,255,255,.88)}.karl-footer__title{font-size:.85rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:16px}.karl-footer__links{list-style:none;margin:0;padding:0}.karl-footer__links li+li{margin-top:8px}.karl-footer__links a{-webkit-text-decoration:none;text-decoration:none}.karl-footer__links a:hover{color:#f2ead9;color:var(--karl-accent)}.karl-footer__socials{list-style:none;display:flex;flex-wrap:wrap;gap:16px;margin:48px 0 0;padding:0}.karl-footer__socials a{display:inline-block;min-width:32px;-webkit-text-decoration:none;text-decoration:none;font-size:.9rem}.karl-footer__legal{margin-top:48px;padding-top:24px;border-top:1px solid rgba(255,255,255,.15);font-size:.8rem;color:rgba(255,255,255,.85)}.karl-footer__legal a{color:#f2ead9;color:var(--karl-accent)}.karl-cta{background:#1f4e79;background:var(--karl-primary);padding:80px 0 96px}.karl-cta p{max-width:700px;margin:16px auto 32px}.karl-hero-actions{display:flex;flex-wrap:wrap;gap:16px;margin-top:32px}@media (max-width:991.98px){.karl-navbar .navbar-collapse{padding:16px 0;border-top:1px solid #e2e8f0;border-top:1px solid var(--karl-border);max-height:calc(100vh - 120px);overflow:auto}.karl-site-header .navbar{max-height:none}.karl-footer__subscribe input[type=email]{min-width:100%}}@media (max-width:575.98px){.karl-section{padding:56px 0}.karl-topbar{font-size:.68rem}.karl-hero-actions .btn{width:100%;text-align:center}}