.nfg-sp,.nfg-sp *,.nfg-sp *:before,.nfg-sp *:after{box-sizing:border-box}.nfg-sp{--navy:#1b3a6b;--navy-deep:#14335e;--accent:#2e6da4;--pale:#f2f6fb;--pale-2:#e8eef7;--ink:#1c2533;--ink-soft:#4a5568;--line:#d8e2ee;--white:#fff;--on-dark:#d5dfec;--on-dark-soft:#c3d0e2;--pad:clamp(1.25rem,5vw,2rem);color:var(--ink-soft);line-height:1.7;font-size:1rem;padding:clamp(3rem,7vw,5rem) var(--pad)}.nfg-sp.sp-bg-pale{background:var(--pale)}.nfg-sp.sp-bg-white{background:var(--white)}.nfg-sp .sp-wrap{max-width:1120px;margin:0 auto}.nfg-sp .sp-narrow{max-width:760px}.nfg-sp h2,.nfg-sp h3{font-family:Forum,serif;font-weight:400;color:var(--navy);line-height:1.14;margin:0 0 1rem}.nfg-sp h2{font-size:clamp(1.85rem,3.6vw,2.5rem)}.nfg-sp h3{font-size:1.4rem}.nfg-sp p,.nfg-sp li,.nfg-sp td,.nfg-sp span,.nfg-sp summary{font-family:"Libre Baskerville",Georgia,serif}.nfg-sp p{margin:0 0 1rem;font-size:1rem;line-height:1.75;font-weight:400;color:var(--ink-soft)}.nfg-sp li,.nfg-sp td{line-height:1.65;font-weight:400}.nfg-sp .sp-sub{font-size:1.02rem;color:var(--ink-soft)}.nfg-sp.sp-cta p,.nfg-sp .sp-panel p{color:var(--on-dark)}.nfg-sp a{color:var(--navy)}.nfg-sp .sp-lead{font-size:1.12rem;color:var(--ink)}.nfg-sp .sp-kicker{font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);margin:0 0 .6rem}.nfg-sp .sp-sub{max-width:680px;margin-bottom:2.2rem}.nfg-sp .sp-intro{display:grid;grid-template-columns:1.2fr 1fr;gap:clamp(2rem,5vw,4rem);align-items:start}.nfg-sp .sp-figure{position:relative;margin:0}.nfg-sp .sp-figure img{display:block;width:100%;height:340px;object-fit:cover;border-radius:4px}.nfg-sp .sp-facts{position:relative;margin:-3.2rem 1.2rem 0;background:var(--white);border-top:4px solid var(--navy);box-shadow:0 12px 30px rgba(27,58,107,.14);border-radius:0 0 4px 4px;padding:1.3rem 1.4rem;list-style:none}.nfg-sp .sp-facts li{display:flex;gap:.8rem;padding:.55rem 0;border-bottom:1px solid var(--line);font-size:.94rem;color:var(--ink)}.nfg-sp .sp-facts li:last-child{border-bottom:0}.nfg-sp .sp-facts b{flex:0 0 7.5rem;font-weight:600;color:var(--navy)}.nfg-sp .sp-table{width:100%;border-collapse:collapse;background:var(--white);border:1px solid var(--line);font-size:.95rem}.nfg-sp .sp-table th{background:var(--navy);color:var(--white);text-align:left;font-weight:600;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;padding:.95rem 1.1rem}.nfg-sp .sp-table td{padding:1.05rem 1.1rem;border-top:1px solid var(--line);vertical-align:top}.nfg-sp .sp-table td:first-child{font-family:Forum,serif;font-size:1.18rem;color:var(--navy);line-height:1.2;width:24%}.nfg-sp .sp-table tr:nth-child(even) td{background:#fafbfd}.nfg-sp .sp-steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(var(--n,5),1fr);gap:1.2rem;counter-reset:step;position:relative}.nfg-sp .sp-steps:before{content:'';position:absolute;top:1.4rem;left:1.4rem;right:1.4rem;height:2px;background:var(--line)}.nfg-sp .sp-steps li{position:relative;counter-increment:step;padding-top:4rem}.nfg-sp .sp-steps li:before{content:counter(step);position:absolute;top:0;left:0;width:2.8rem;height:2.8rem;border-radius:50%;background:var(--navy);color:var(--white);font-weight:600;display:flex;align-items:center;justify-content:center;box-shadow:0 0 0 6px var(--pale)}.nfg-sp.sp-bg-white .sp-steps li:before{box-shadow:0 0 0 6px var(--white)}.nfg-sp .sp-steps strong{display:block;font-family:Forum,serif;font-weight:400;font-size:1.22rem;color:var(--navy);line-height:1.2;margin-bottom:.45rem}.nfg-sp .sp-steps span{display:block;font-size:.92rem}.nfg-sp .sp-split{display:grid;grid-template-columns:1fr 1.3fr;gap:clamp(2rem,5vw,4rem);align-items:start}.nfg-sp .sp-rows{list-style:none;margin:0;padding:0;border-top:1px solid var(--line)}.nfg-sp .sp-rows li{display:grid;grid-template-columns:2.2rem 1fr;gap:.9rem;padding:1.1rem 0;border-bottom:1px solid var(--line)}.nfg-sp .sp-rows li:before{content:'';width:1.6rem;height:1.6rem;margin-top:.2rem;border-radius:4px;background:var(--pale-2) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231B3A6B' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/60% no-repeat}.nfg-sp .sp-rows strong{display:block;color:var(--ink);font-weight:600;margin-bottom:.15rem}.nfg-sp .sp-rows span{display:block;font-size:.93rem}.nfg-sp .sp-panel{background:var(--navy-deep);color:var(--on-dark);border-radius:8px;padding:clamp(1.8rem,4vw,2.8rem);display:grid;grid-template-columns:1fr 1.4fr;gap:clamp(1.5rem,4vw,3rem)}.nfg-sp .sp-panel h2,.nfg-sp .sp-panel h3{color:var(--white)}.nfg-sp .sp-panel p{color:var(--on-dark)}.nfg-sp .sp-panel ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:.2rem 1.6rem}.nfg-sp .sp-panel li{position:relative;padding:.65rem 0 .65rem 1.9rem;border-bottom:1px solid rgba(255,255,255,.16);color:var(--white);font-size:.95rem}.nfg-sp .sp-panel li:before{content:'';position:absolute;left:0;top:.95rem;width:1.05rem;height:1.05rem;border:2px solid var(--on-dark-soft);border-radius:3px}.nfg-sp .sp-bento{display:grid;grid-template-columns:repeat(2,1fr);gap:1.4rem}.nfg-sp .sp-tile{background:var(--white);border:1px solid var(--line);border-top:4px solid var(--navy);border-radius:0 0 4px 4px;padding:1.6rem}.nfg-sp .sp-tile--wide{grid-column:1/-1;display:grid;grid-template-columns:1fr 1fr;gap:1.6rem;background:var(--pale)}.nfg-sp .sp-tile ul{margin:.4rem 0 0;padding-left:1.1rem}.nfg-sp .sp-tile li{margin:.3rem 0;font-size:.95rem}.nfg-sp .sp-compare{display:grid;grid-template-columns:1fr 1fr;gap:0;border:1px solid var(--line);border-radius:4px;overflow:hidden}.nfg-sp .sp-compare>div{padding:1.8rem}.nfg-sp .sp-compare>div:first-child{background:var(--white)}.nfg-sp .sp-compare>div:last-child{background:var(--navy);color:var(--on-dark)}.nfg-sp .sp-compare>div:last-child h3{color:var(--white)}.nfg-sp .sp-compare ul{margin:0;padding-left:1.1rem}.nfg-sp .sp-compare li{margin:.5rem 0}.nfg-sp .sp-compare>div:last-child li{color:var(--white)}.nfg-sp .sp-faq{border-top:1px solid var(--line)}.nfg-sp .sp-faq details{border-bottom:1px solid var(--line)}.nfg-sp .sp-faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:1rem;padding:1.2rem 0;font-weight:600;color:var(--ink);font-size:1.03rem}.nfg-sp .sp-faq summary::-webkit-details-marker{display:none}.nfg-sp .sp-faq summary:after{content:'+';flex:0 0 auto;font-size:1.4rem;line-height:1;color:var(--accent);transition:transform .2s ease}.nfg-sp .sp-faq details[open] summary:after{transform:rotate(45deg)}.nfg-sp .sp-faq details p{padding:0 0 1.3rem;margin:0;max-width:760px}.nfg-sp .sp-faq summary:focus-visible{outline:2px solid var(--accent);outline-offset:4px}.nfg-sp .sp-related{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1.4rem}.nfg-sp .sp-related a{display:flex;flex-direction:column;text-decoration:none;color:inherit;background:var(--white);border:1px solid var(--line);border-radius:4px;overflow:hidden;transition:box-shadow .2s ease,transform .2s ease}.nfg-sp .sp-related a:hover{box-shadow:0 10px 26px rgba(27,58,107,.13);transform:translateY(-3px)}.nfg-sp .sp-related img{display:block;width:100%;height:170px;object-fit:cover}.nfg-sp .sp-related div{padding:1.1rem 1.2rem 1.3rem}.nfg-sp .sp-related small{display:block;font-size:.74rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--accent);margin-bottom:.35rem}.nfg-sp .sp-related strong{display:block;font-family:Forum,serif;font-weight:400;font-size:1.2rem;line-height:1.22;color:var(--navy)}.nfg-sp .sp-links{display:flex;flex-wrap:wrap;gap:.7rem;margin-top:1.6rem}.nfg-sp .sp-links a{display:inline-block;text-decoration:none;border:1px solid var(--navy);border-radius:4px;padding:.6rem 1.1rem;font-size:.9rem;font-weight:600;color:var(--navy);transition:background .15s ease,color .15s ease}.nfg-sp .sp-links a:hover{background:var(--navy);color:var(--white)}.nfg-sp .sp-panel .sp-tel{display:inline-block;padding:.3rem 0}.nfg-sp.sp-cta{background:var(--navy-deep)}.nfg-sp.sp-cta .sp-wrap{display:grid;grid-template-columns:1.25fr 1fr;gap:clamp(2rem,5vw,4rem);align-items:center}.nfg-sp.sp-cta h2{color:var(--white)}.nfg-sp.sp-cta p{color:var(--on-dark);font-size:1.04rem;max-width:560px;margin-bottom:1.8rem}.nfg-sp .sp-actions{display:flex;flex-wrap:wrap;gap:.9rem;align-items:center}.nfg-sp .sp-btn{display:inline-block;background:var(--white);color:var(--navy-deep);font-weight:600;font-size:.95rem;text-decoration:none;padding:.9rem 1.7rem;border-radius:4px;border:1px solid var(--white);transition:background .15s ease}.nfg-sp .sp-btn:hover{background:var(--pale-2);color:var(--navy-deep)}.nfg-sp .sp-btn--navy{background:var(--navy);color:var(--white);border-color:var(--navy)}.nfg-sp .sp-btn--navy:hover{background:var(--navy-deep);color:var(--white)}.nfg-sp .sp-tel{color:var(--white);font-weight:500;text-decoration:none;padding:.9rem .4rem;border-bottom:1px solid rgba(255,255,255,.4)}.nfg-sp .sp-tel:hover{color:var(--white);border-bottom-color:var(--white)}.nfg-sp .sp-cta-list{list-style:none;margin:0;padding:0;border-top:1px solid rgba(255,255,255,.18)}.nfg-sp .sp-cta-list li{padding:1.05rem 0;border-bottom:1px solid rgba(255,255,255,.18)}.nfg-sp .sp-cta-list strong{display:block;color:var(--white);font-weight:600;margin-bottom:.15rem}.nfg-sp .sp-cta-list span{font-size:.92rem;color:var(--on-dark-soft)}@media (max-width:960px){.nfg-sp .sp-steps{grid-template-columns:1fr;gap:0}.nfg-sp .sp-steps:before{top:0;bottom:0;left:1.4rem;right:auto;width:2px;height:auto}.nfg-sp .sp-steps li{padding:0 0 1.6rem 4.2rem;min-height:3.6rem}}@media (max-width:900px){.nfg-sp .sp-intro,.nfg-sp .sp-split,.nfg-sp .sp-panel,.nfg-sp.sp-cta .sp-wrap,.nfg-sp .sp-tile--wide,.nfg-sp .sp-compare{grid-template-columns:1fr}.nfg-sp .sp-bento{grid-template-columns:1fr}.nfg-sp .sp-figure img{height:260px}}@media (max-width:720px){.nfg-sp .sp-panel ul{grid-template-columns:1fr}.nfg-sp .sp-table thead{display:none}.nfg-sp .sp-table,.nfg-sp .sp-table tbody,.nfg-sp .sp-table tr,.nfg-sp .sp-table td{display:block;width:100%}.nfg-sp .sp-table tr{border-top:4px solid var(--navy)}.nfg-sp .sp-table td{border-top:0;padding:.55rem 1rem}.nfg-sp .sp-table td:first-child{width:100%;padding-top:1rem}.nfg-sp .sp-table td[data-label]:before{content:attr(data-label);display:block;font-size:.72rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--accent)}.nfg-sp .sp-facts b{flex-basis:6rem}}@media (prefers-reduced-motion:reduce){.nfg-sp *,.nfg-sp *:after{transition:none !important}}.nfg-sp .sp-svc-main{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}.nfg-sp .sp-svc-main a{display:flex;flex-direction:column;text-decoration:none;color:inherit;background:var(--white);border:1px solid var(--line);border-radius:4px;overflow:hidden;transition:box-shadow .2s ease,transform .2s ease}.nfg-sp .sp-svc-main a:hover{box-shadow:0 12px 30px rgba(27,58,107,.14);transform:translateY(-3px)}.nfg-sp .sp-svc-main img{display:block;width:100%;height:210px;object-fit:cover}.nfg-sp .sp-svc-main .sp-svc-body{flex:1;display:flex;flex-direction:column;padding:1.4rem 1.5rem 1.6rem;border-top:4px solid var(--navy)}.nfg-sp .sp-svc-main small,.nfg-sp .sp-news small{display:block;font-size:.74rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--accent);margin-bottom:.4rem}.nfg-sp .sp-svc-main h3{margin:0 0 .7rem}.nfg-sp .sp-svc-main p{flex:1;font-size:.95rem}.nfg-sp .sp-go{display:inline-block;font-weight:600;font-size:.92rem;color:var(--navy);border-bottom:1px solid var(--navy);align-self:flex-start}.nfg-sp .sp-svc-h{margin:3.2rem 0 1.4rem}.nfg-sp .sp-svc-more{display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem}.nfg-sp .sp-svc-more a{display:block;text-decoration:none;color:inherit;border-top:2px solid var(--navy);padding:1.1rem 0 0;transition:border-color .15s ease}.nfg-sp .sp-svc-more a:hover{border-top-color:var(--accent)}.nfg-sp .sp-svc-more strong{display:block;font-family:Forum,serif;font-weight:400;font-size:1.25rem;line-height:1.2;color:var(--navy);margin-bottom:.45rem}.nfg-sp .sp-svc-more span{display:block;font-size:.92rem;line-height:1.6}.nfg-sp .sp-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}.nfg-sp .sp-stats div{border-left:3px solid var(--navy);padding:.3rem 0 .3rem 1.3rem}.nfg-sp .sp-stats b{display:block;font-family:Forum,serif;font-weight:400;font-size:clamp(2.6rem,5vw,3.4rem);line-height:1;color:var(--navy);margin-bottom:.5rem}.nfg-sp .sp-stats strong{display:block;color:var(--ink);font-weight:600;margin-bottom:.2rem}.nfg-sp .sp-stats span{display:block;font-size:.92rem}.nfg-sp .sp-head{display:flex;justify-content:space-between;align-items:flex-end;gap:1.5rem;flex-wrap:wrap;margin-bottom:2.2rem}.nfg-sp .sp-head .sp-sub{margin-bottom:0}.nfg-sp .sp-news{display:grid;grid-template-columns:1.2fr 1fr;gap:clamp(1.5rem,3vw,2.4rem);align-items:start}.nfg-sp .sp-news a{text-decoration:none;color:inherit}.nfg-sp .sp-news-lead a{display:block}.nfg-sp .sp-news-lead img{display:block;width:100%;height:330px;object-fit:cover;border-radius:4px;margin-bottom:1.2rem}.nfg-sp .sp-news-lead h3{font-size:clamp(1.5rem,2.6vw,1.9rem);margin-bottom:.7rem}.nfg-sp .sp-news-list{list-style:none;margin:0;padding:0;border-top:1px solid var(--line)}.nfg-sp .sp-news-list li{border-bottom:1px solid var(--line)}.nfg-sp .sp-news-list a{display:grid;grid-template-columns:120px 1fr;gap:1.1rem;align-items:center;padding:1.1rem 0}.nfg-sp .sp-news-list img{display:block;width:120px;height:84px;object-fit:cover;border-radius:3px}.nfg-sp .sp-news-list strong{display:block;font-family:Forum,serif;font-weight:400;font-size:1.15rem;line-height:1.25;color:var(--navy)}.nfg-sp .sp-news a:hover h3,.nfg-sp .sp-news a:hover strong{color:var(--accent)}@media (max-width:960px){.nfg-sp .sp-svc-main,.nfg-sp .sp-news{grid-template-columns:1fr}.nfg-sp .sp-svc-more{grid-template-columns:repeat(2,1fr)}}@media (max-width:720px){.nfg-sp .sp-svc-more,.nfg-sp .sp-stats{grid-template-columns:1fr}.nfg-sp .sp-news-lead img{height:220px}.nfg-sp .sp-news-list a{grid-template-columns:96px 1fr}.nfg-sp .sp-news-list img{width:96px;height:72px}}