.hctma{--blue:#084c80;--navy:#132e40;--pale:#edf5fc;--line:#dce5ed;box-sizing:border-box;width:100%;max-width:1100px;margin:0 auto;padding:clamp(20px,4vw,54px) clamp(16px,3vw,40px);background:#fff;color:#111;font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;font-size:16px;line-height:1.6;height:auto;min-height:0}
.hctma *,.hctma *::before,.hctma *::after{box-sizing:border-box}.hctma [hidden]{display:none!important}
.hctma .hctma-header{text-align:center;padding:0 0 32px;margin:0 0 30px;border-bottom:1px solid var(--line)}
.hctma .hctma-header::after{content:"";display:block;width:52px;height:4px;background:var(--blue);border-radius:2px;margin:24px auto 0}
.hctma .hctma-eyebrow{color:var(--blue);font-size:12px;font-weight:800;letter-spacing:.14em}
.hctma .hctma-header h2{font-family:inherit!important;font-size:clamp(32px,4.4vw,56px);font-weight:800;line-height:1.1;letter-spacing:-.04em;text-transform:none;color:var(--blue);margin:12px 0 14px;overflow-wrap:anywhere}
.hctma .hctma-header p{font-family:inherit;font-size:clamp(16px,1.6vw,19px);color:#294c66;line-height:1.6;margin:0;letter-spacing:normal;text-transform:none}
.hctma p{margin:0 0 18px;color:inherit;font:inherit;letter-spacing:normal;text-transform:none}
.hctma a,.hctma a:visited{color:var(--blue)!important;text-decoration:underline;text-underline-offset:3px;overflow-wrap:anywhere}
.hctma .hctma-intro{max-width:760px;margin:0 auto 32px;text-align:center}.hctma .hctma-small{font-size:13px;line-height:1.6;color:#465968}
.hctma .hctma-fees{margin:0 0 48px;padding:0;min-width:0;color:#111}
.hctma .hctma-fees-heading{margin:0 0 22px;text-align:left}
.hctma .hctma-fees-heading h3{font-family:inherit!important;color:var(--blue);font-size:clamp(26px,3vw,34px);font-weight:800;line-height:1.2;letter-spacing:-.03em;text-transform:none;margin:7px 0 8px}
.hctma .hctma-fees-heading p{margin:0;font-size:15px;color:#465968}
.hctma .hctma-fees-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1fr);gap:22px;align-items:stretch}
.hctma .hctma-fees-rates{min-width:0;border:1px solid var(--line);border-radius:12px;overflow:hidden;background:#fff}
.hctma .hctma-fees-tablehead{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:18px 22px;background:var(--blue);color:#fff}
.hctma .hctma-fees h4{font-family:inherit!important;font-size:18px;font-weight:750;line-height:1.3;letter-spacing:normal;text-transform:none;margin:0;color:var(--blue)}
.hctma .hctma-fees-tablehead h4{color:#fff;font-size:16px}
.hctma .hctma-fees-tablehead>span{font-size:12px;white-space:nowrap;color:#fff}
.hctma .hctma-fees-list{display:block;margin:0;padding:0 22px}
.hctma .hctma-fees-row{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:16px;min-height:55px;padding:12px 0;border-bottom:1px solid #e6edf3}
.hctma .hctma-fees-row:last-child{border:0}
.hctma .hctma-fees-row dt{margin:0;font-size:14px;font-weight:550;line-height:1.45;color:#111}
.hctma .hctma-fees-row dd{margin:0;white-space:nowrap;font-size:23px;font-weight:800;line-height:1.2;letter-spacing:-.04em;color:var(--blue);font-variant-numeric:tabular-nums}
.hctma .hctma-fees-row dd span{font-size:15px;font-weight:600}
.hctma .hctma-fees-family{min-width:0;padding:24px;border-radius:12px;background:var(--pale);border:1px solid #d4e4f2}
.hctma .hctma-fees-badge{display:block;margin:0 0 10px;color:var(--blue);font-size:10px;font-weight:800;letter-spacing:.12em;line-height:1.5}
.hctma .hctma-fees-family h4{font-size:23px;letter-spacing:-.02em;margin:0 0 8px}
.hctma .hctma-fees-discount{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:20px 0;border-bottom:1px solid #cbddea}
.hctma .hctma-fees-discount strong{display:block;max-width:210px;color:#111;font-size:15px;font-weight:700;line-height:1.45}
.hctma .hctma-fees-discount div>span{display:block;font-size:12px;color:#41596c;line-height:1.5;margin-top:4px}
.hctma .hctma-fees-discount>b{color:var(--blue);font-size:38px;font-weight:800;letter-spacing:-.05em;line-height:1;white-space:nowrap}
.hctma .hctma-fees-discount>b>span{font-size:21px;margin-left:2px}
.hctma .hctma-fees-footnote{margin:18px 0 0;font-size:12px;line-height:1.65;color:#41596c}
.hctma .hctma-fees-support{display:flex;align-items:flex-start;gap:18px;margin:20px 0 0;padding:24px;background:#f6f9fc;border-left:3px solid var(--blue);border-radius:0 10px 10px 0}
.hctma .hctma-fees-support-icon{display:flex;align-items:center;justify-content:center;flex:0 0 40px;width:40px;height:40px;border-radius:50%;background:#e4eff9;color:var(--blue)}
.hctma .hctma-fees-support-icon svg{display:block;width:21px;height:21px}
.hctma .hctma-fees-support>div{min-width:0}
.hctma .hctma-fees-support h4{font-size:18px;margin:0 0 8px}
.hctma .hctma-fees-support p{color:#111;font-size:14px;line-height:1.65;margin:0}
.hctma .hctma-fees-support .hctma-fees-confidential{margin-top:10px;font-size:12px;font-weight:700;color:var(--blue)}
@media(max-width:760px){.hctma .hctma-fees-grid{grid-template-columns:minmax(0,1fr);gap:16px}.hctma .hctma-fees-family{padding:22px}.hctma .hctma-fees-support{padding:20px 18px;gap:12px}.hctma .hctma-fees-support-icon{flex-basis:32px;width:32px;height:32px}.hctma .hctma-fees{margin-bottom:38px}}
@media(max-width:380px){.hctma .hctma-fees-tablehead{padding:16px}.hctma .hctma-fees-tablehead h4{font-size:14px}.hctma .hctma-fees-list{padding:0 16px}.hctma .hctma-fees-family{padding:18px}.hctma .hctma-fees-discount>b{font-size:32px}.hctma .hctma-fees-support{display:block}.hctma .hctma-fees-support-icon{margin-bottom:12px}}
.hctma .hctma-form{padding:0;margin:0}.hctma .hctma-section{display:block;min-width:0;margin:0 0 36px;padding:24px 0 0;border:0;border-top:1px solid var(--line);background:transparent}
.hctma .hctma-section legend{display:flex;align-items:center;gap:12px;padding:0 16px 0 0;margin:0;max-width:100%;color:var(--blue);font-family:inherit;font-size:clamp(19px,2.1vw,23px);font-weight:750;letter-spacing:-.02em;line-height:1.3;text-transform:none}
.hctma .hctma-step{display:inline-flex;flex:0 0 34px;align-items:center;justify-content:center;min-width:34px;height:34px;border-radius:50%;background:var(--pale);color:var(--blue);font-size:12px;font-weight:800;letter-spacing:0}
.hctma .hctma-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px 24px}
.hctma .hctma-field{display:flex;flex-direction:column;min-width:0;margin:0;gap:7px;color:#132e40;font-family:inherit;font-size:15px;font-weight:650;line-height:1.5;letter-spacing:normal;text-transform:none}
.hctma .hctma-field small{color:#526574;font-weight:400;font-size:12px;margin-left:3px}.hctma .hctma-required{color:var(--blue);font-weight:700}
.hctma[data-hctma] .hctma-form .hctma-field input,.hctma[data-hctma] .hctma-form .hctma-field select{display:block;width:100%;min-width:0;max-width:100%;height:56px!important;min-height:56px!important;margin:0;padding:13px 15px!important;border:2px solid #084c80!important;border-radius:6px!important;background-color:#eaf3fc!important;background-image:none!important;color:#111!important;-webkit-text-fill-color:#111!important;caret-color:var(--blue);font-family:inherit!important;font-size:16px!important;font-weight:500!important;line-height:1.4;letter-spacing:normal;text-transform:none;box-shadow:none!important;opacity:1!important}
.hctma[data-hctma] .hctma-form .hctma-field select{appearance:auto!important;-webkit-appearance:menulist!important;padding-right:32px!important}
.hctma[data-hctma] .hctma-form .hctma-field>span:first-child{color:#132e40!important;font-size:16px!important;font-weight:700!important}
.hctma[data-hctma] .hctma-form .hctma-field input:focus,.hctma[data-hctma] .hctma-form .hctma-field select:focus{border-color:#063857!important;background-color:#fff!important;box-shadow:0 0 0 3px #084c8026!important}
.hctma[data-hctma] .hctma-form .hctma-field input::placeholder{color:#415c72!important;opacity:1!important}
.hctma input:focus-visible,.hctma select:focus-visible,.hctma button:focus-visible,.hctma a:focus-visible{outline:3px solid #167eb5;outline-offset:3px}
.hctma .hctma-field input:-webkit-autofill{-webkit-text-fill-color:#111;box-shadow:inset 0 0 0 100px #eef5fc}
.hctma .hctma-memberships{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:0 0 16px}
.hctma .hctma-choice{display:flex;align-items:center;gap:12px;min-height:62px;padding:15px 18px;margin:0;border:1.5px solid #6688a3;border-radius:6px;background:#f4f8fc;color:var(--navy);font-size:16px;font-weight:650;line-height:1.4;cursor:pointer;letter-spacing:normal;text-transform:none}
.hctma .hctma-choice:has(input:checked){background:var(--blue);border-color:var(--blue);color:#fff}
.hctma .hctma-choice input,.hctma .hctma-check input{appearance:auto;-webkit-appearance:auto;flex:0 0 20px;width:20px;height:20px;min-height:20px;margin:2px 0 0;padding:0;border:1px solid #6688a3;accent-color:var(--blue);box-shadow:none;opacity:1}
.hctma .hctma-choice:has(input:checked) input{accent-color:#fff}
.hctma .hctma-check{display:flex;align-items:flex-start;gap:12px;margin:0 0 20px;padding:0;color:#111;font-family:inherit;font-size:15px;font-weight:400;line-height:1.7;letter-spacing:normal;text-transform:none;cursor:pointer}
.hctma .hctma-check span{min-width:0;overflow-wrap:anywhere}.hctma .hctma-check input{margin-top:4px}
.hctma .hctma-child{padding:22px;background:var(--pale);border-left:3px solid var(--blue);margin:0 0 18px}
.hctma .hctma-child-heading{display:flex;align-items:center;justify-content:space-between;gap:16px;margin:0 0 18px}
.hctma h3{font-family:inherit;font-size:19px;font-weight:750;line-height:1.3;letter-spacing:normal;text-transform:none;color:var(--blue);margin:0 0 16px}.hctma .hctma-child-heading h3{margin:0}
.hctma[data-hctma] .hctma-form .hctma-child .hctma-field input,.hctma[data-hctma] .hctma-form .hctma-child .hctma-field select{background-color:#fff!important}
.hctma .hctma-child-membership{margin:0 0 24px}
.hctma .hctma-button{display:inline-flex;align-items:center;justify-content:center;gap:10px;max-width:100%;min-height:50px;height:auto;margin:0;padding:14px 22px;background:var(--blue);color:#fff;border:1.5px solid var(--blue);border-radius:6px;font-family:inherit;font-size:16px;font-weight:700;letter-spacing:normal;text-transform:none;line-height:1.4;text-align:center;box-shadow:none;cursor:pointer}
.hctma .hctma-button:hover{background:#063857;color:#fff;border-color:#063857}.hctma .hctma-button:disabled{opacity:.5;cursor:not-allowed}
.hctma .hctma-secondary{background:#fff;color:var(--blue)}.hctma .hctma-secondary:hover{background:var(--pale);color:var(--blue)}
.hctma .hctma-link-button{min-height:44px;margin:0;padding:8px 2px;border:0;background:none;color:var(--blue);text-decoration:underline;text-underline-offset:3px;font-family:inherit;font-size:14px;font-weight:600;line-height:1.4;letter-spacing:normal;text-transform:none;box-shadow:none;cursor:pointer}
.hctma .hctma-mandate{padding:24px;margin:24px 0 0;background:var(--pale);border-left:3px solid var(--blue)}.hctma .hctma-mandate .hctma-check{margin-bottom:0}
.hctma .hctma-submit-row{display:flex;flex-direction:column;align-items:center;text-align:center;gap:12px;margin:6px 0 0;padding-top:22px;border-top:1px solid var(--line)}.hctma .hctma-submit-row p{margin:0}
.hctma .hctma-field-error{display:block;margin:0;color:#a12424;font-size:13px;font-weight:500;line-height:1.4}.hctma .hctma-field-error:empty{display:none}
.hctma[data-hctma] .hctma-form .hctma-field input[aria-invalid=true],.hctma[data-hctma] .hctma-form .hctma-field select[aria-invalid=true]{border-color:#a12424!important}.hctma .hctma-notice,.hctma .hctma-feedback{padding:18px 22px;border-left:4px solid var(--blue);background:var(--pale);margin:0 0 26px;color:var(--navy);overflow-wrap:anywhere}
.hctma .hctma-feedback[data-kind=error]{border-color:#a12424;background:#fff2f2;color:#842020}.hctma .hctma-feedback:focus{outline:none}.hctma .hctma-feedback:focus-visible{outline:3px solid #167eb5;outline-offset:3px}
.hctma .hctma-guardian{margin-top:24px;padding:20px;background:var(--pale)}
.hctma .hctma-honey{position:absolute!important;width:1px!important;height:1px!important;overflow:hidden!important;clip-path:inset(50%);white-space:nowrap;pointer-events:none}
@media(max-width:640px){.hctma{padding:28px 16px}.hctma .hctma-grid,.hctma .hctma-memberships{grid-template-columns:minmax(0,1fr)}.hctma .hctma-grid{gap:18px}.hctma .hctma-header{margin-bottom:24px;padding-bottom:28px}.hctma .hctma-section{margin-bottom:28px}.hctma .hctma-child,.hctma .hctma-mandate{padding:18px 14px}.hctma .hctma-choice{min-height:58px}.hctma .hctma-submit,.hctma [data-add-child]{width:100%}.hctma .hctma-section legend{font-size:19px}.hctma .hctma-check{font-size:15px}}
@media(prefers-reduced-motion:reduce){.hctma *{scroll-behavior:auto!important}}