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.icf-load-area{padding-top:34px;text-align:center}#icf-home .icf-load-btn{padding:12px 28px;color:var(--icf-green-dark);background:#fff;border:2px solid var(--icf-green);border-radius:50px;cursor:pointer;font-family:inherit;font-size:.96rem;font-weight:850;transition:color .2s ease,background .2s ease,transform .2s ease}#icf-home .icf-load-btn:focus,#icf-home .icf-load-btn:hover{color:#fff;background:var(--icf-green);transform:translateY(-2px)}#icf-home .icf-spinner{display:none;width:42px;height:42px;margin:0 auto;border:4px solid rgba(9,35,57,.12);border-left-color:var(--icf-green);border-radius:50%;animation:icf-spin .9s linear infinite}#icf-home .icf-end-message,#icf-home .icf-error-message{display:none;margin:12px 0 0;color:var(--icf-muted)!important;font-weight:500}#icf-home .icf-faq-section{max-width:920px;margin:0 auto}#icf-home .icf-faq-item{overflow:hidden;margin-bottom:13px;border-left:5px solid var(--icf-blue)!important;border-radius:10px}#icf-home .icf-faq-question{position:relative;display:block;width:100%;padding:19px 58px 19px 21px;color:var(--icf-navy)!important;background:#fff!important;border:0;cursor:pointer;font-family:inherit;font-size:1.04rem;font-weight:850;line-height:1.45;text-align:left}#icf-home .icf-faq-question::after{position:absolute;top:50%;right:20px;content:"+";color:var(--icf-green-dark);font-size:1.65rem;font-weight:500;transform:translateY(-50%);transition:transform .2s ease}#icf-home .icf-faq-answer{overflow:hidden;max-height:0;color:var(--icf-body)!important;background:#fff!important;transition:max-height .3s ease}#icf-home .icf-faq-answer-inner{padding:0 21px 20px;color:var(--icf-body)!important;background:#fff!important}#icf-home .icf-faq-answer p{margin:0;color:var(--icf-body)!important;font-weight:500;line-height:1.75}#icf-home .icf-faq-answer a,#icf-home .icf-faq-answer a:visited{color:#155f91!important;font-weight:800;text-decoration:none}#icf-home .icf-faq-answer a:focus,#icf-home .icf-faq-answer a:hover{color:var(--icf-green-dark)!important;text-decoration:underline}#icf-home .icf-external-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}#icf-home .icf-external-card{display:flex;flex-direction:column;min-width:0;padding:25px 21px;border-top:5px solid var(--icf-blue)!important;border-radius:13px;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}#icf-home .icf-external-card:nth-child(2){border-top-color:var(--icf-green)!important}#icf-home .icf-external-card:nth-child(3){border-top-color:var(--icf-gold)!important}#icf-home .icf-external-card:nth-child(4){border-top-color:var(--icf-purple)!important}#icf-home .icf-external-card:hover{transform:translateY(-4px);border-color:#bdccd7!important;box-shadow:var(--icf-shadow-hover)}#icf-home .icf-external-icon{display:block;margin-bottom:12px;font-size:2.2rem}#icf-home .icf-external-card h3{margin:0 0 10px;color:var(--icf-navy)!important;font-weight:850;line-height:1.35}#icf-home .icf-external-card p{flex:1;margin:0 0 18px;color:var(--icf-body)!important;font-size:.95rem;font-weight:500;line-height:1.68}#icf-home .icf-external-link,#icf-home .icf-external-link:visited{align-self:flex-start;color:#155f91!important;font-size:.9rem;font-weight:850;text-decoration:none}#icf-home .icf-external-link:focus,#icf-home .icf-external-link:hover{color:var(--icf-green-dark)!important;text-decoration:underline}#icf-home .icf-external-note{max-width:850px;margin:28px auto 0;color:var(--icf-muted)!important;font-size:.89rem;font-weight:500;line-height:1.65;text-align:center}@media screen and (max-width:1080px){#icf-home .icf-calc-grid,#icf-home .icf-external-grid,#icf-home .icf-pillars{grid-template-columns:repeat(2,minmax(0,1fr))}#icf-home .icf-age-grid{grid-template-columns:repeat(4,minmax(0,1fr))}}@media screen and (max-width:850px){#icf-home .icf-tool-wrap{grid-template-columns:1fr}#icf-home 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::before{scroll-behavior:auto!important;transition:none!important}}.site-footer-row{display:grid;grid-template-columns:repeat(2,minmax(0,1fr))}.site-footer-row.site-footer-row-columns-3{grid-template-columns:minmax(0,1fr) minmax(0,1fr) minmax(0,1fr)}.site-footer-row.site-footer-row-columns-1{display:flex;justify-content:center}.site-footer-row.site-footer-row-columns-1 .site-footer-section{flex:1;text-align:center;min-width:0}@media screen and (min-width:720px) and (max-width:1024px){.site-footer-row-container-inner .site-footer-row.site-footer-row-tablet-column-layout-default{grid-template-columns:minmax(0,1fr)}}@media screen and (max-width:719px){.site-footer-row-container-inner .site-footer-row.site-footer-row-mobile-column-layout-row{grid-template-columns:minmax(0,1fr)}}.site-footer-section{display:flex;max-height:inherit}.footer-widget-area{flex:1;min-width:0;display:flex}.ft-ro-dir-row .footer-section-inner-items-2 .footer-widget-area{flex:unset;margin-left:30px}.ft-ro-dir-row 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rgba(255,255,255,.1);padding-bottom:40px}.icf-footer-col h3{color:#fff;font-size:1.1rem;text-transform:uppercase;letter-spacing:1px;margin-bottom:20px;border-left:3px solid #28a745;padding-left:10px}.icf-footer-col ul{list-style:none;padding:0;margin:0}.icf-footer-col li{margin-bottom:12px}.icf-footer-col a{color:#b0c4de;text-decoration:none;transition:.3s}.icf-footer-col a:hover{color:#28a745;padding-left:5px}.icf-footer-brand p{line-height:1.6;margin-bottom:20px}.icf-footer-bottom{max-width:1200px;margin:20px auto 0;text-align:center;font-size:.85rem;color:#666;display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center}@media (max-width:768px){.icf-footer-bottom{flex-direction:column;gap:10px}}