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.menu-toggler{color:var(--clov-muted)}.offcanvas-menu.clov-canvas .menu-cta{display:inline-block !important;margin-top:1rem;padding:.65rem 1.1rem !important;background:var(--clov-accent);color:var(--clov-accent-text) !important}.clov-banner{position:relative;isolation:isolate;display:flex;align-items:flex-end;min-height:260px;margin:0 0 2.5rem;padding:2.5rem 16px;color:#fff;background:linear-gradient(180deg, #5d6770 0%, #474f57 100%);background-size:cover;background-position:center}@media(min-width: 992px){.clov-banner{min-height:330px;padding:5rem 2rem 5.5rem}}.clov-banner--image::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg, rgba(0, 20, 34, 0.82) 0%, rgba(0, 20, 34, 0.45) 60%, rgba(0, 20, 34, 0.15) 100%)}.clov-banner--navy{background:var(--clov-band-bg)}.clov-banner__body{max-width:60rem}.clov-banner__crumbs{margin:0 0 1rem;font-size:1.125rem}.clov-banner__crumbs ol,.clov-banner__crumbs ul{display:flex;flex-wrap:wrap;list-style:none;padding:0;margin:0;background:none}.clov-banner__crumbs li{display:inline-flex;align-items:center;color:rgba(255,255,255,.85)}.clov-banner__crumbs li+li::before{content:"/";padding:0 .5rem;opacity:.6}.clov-banner__crumbs a{color:#fff;text-decoration:none}.clov-banner__crumbs a:hover{text-decoration:underline}.clov-banner__heading{border-left:8px solid var(--clov-accent);padding-left:1.1rem}.clov-banner__title{margin:0;color:#fff;font-size:2.25rem}@media(min-width: 768px){.clov-banner__title{font-size:3rem}}.clov-banner__intro{margin:.9rem 0 0;font-size:1.125rem;line-height:1.35}@media(min-width: 768px){.clov-banner__intro{font-size:1.3125rem}}.clov-breadcrumbs,#sp-breadcrumb .breadcrumb{background:none;padding:1rem 0;margin:0;font-size:.875rem}.clov-breadcrumbs .breadcrumb-item+.breadcrumb-item::before,#sp-breadcrumb .breadcrumb .breadcrumb-item+.breadcrumb-item::before{content:"/"}.clov-carousel__controls{display:inline-flex;align-items:center;gap:.5rem;color:#fff;font-size:2.25rem;font-weight:300;line-height:1;letter-spacing:.02em;font-variant-numeric:tabular-nums}.clov-carousel__controls button{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;padding:0;border:0;background:rgba(0,0,0,0);color:inherit;cursor:pointer}.clov-carousel__controls button:hover{color:var(--clov-accent)}.clov-carousel__controls button:focus-visible{outline:3px solid var(--clov-accent);outline-offset:2px}.clov-carousel__controls button svg{width:22px;height:36px}[data-clov-carousel] [data-clov-slide]:not(.is-active){display:none}[data-clov-carousel] [data-clov-slide].is-active{animation:clovFade .6s cubic-bezier(0.2, 0.7, 0.2, 1) both}[data-clov-carousel][data-effect=none] [data-clov-slide].is-active{animation:none}[data-clov-carousel][data-effect=slide] [data-clov-slide].is-active{animation:clovSlideNext .55s cubic-bezier(0.2, 0.7, 0.2, 1) both}[data-clov-carousel][data-effect=slide][data-dir=prev] [data-clov-slide].is-active{animation-name:clovSlidePrev}@keyframes clovFade{from{opacity:0}to{opacity:1}}@keyframes clovSlideNext{from{opacity:0;transform:translateX(4%)}to{opacity:1;transform:none}}@keyframes clovSlidePrev{from{opacity:0;transform:translateX(-4%)}to{opacity:1;transform:none}}@keyframes clovKenBurns{from{transform:scale(1)}to{transform:scale(1.08)}}.clov-carousel__dots{display:inline-flex;flex-wrap:wrap;align-items:center;gap:.25rem}.clov-carousel__dots:empty{display:none}.clov-carousel__dot{width:28px;height:28px;padding:0;border:0;background:none;color:inherit;cursor:pointer}.clov-carousel__dot::before{content:"";display:block;width:12px;height:12px;margin:auto;border:2px solid currentColor;border-radius:50%;transition:background-color .2s,transform 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13px;border-color:rgba(0,0,0,0) rgba(0,0,0,0) rgba(0,0,0,0) currentColor}.clov-carousel__pause:hover{background:rgba(0,0,0,.5)}.clov-carousel__pause:focus-visible{outline:3px solid var(--clov-accent);outline-offset:2px}.clov-hero{--clov-hero-min: 0px;position:relative;background:var(--clov-band-bg);color:#fff;overflow:hidden}.clov-hero--h-m{--clov-hero-min: 480px}.clov-hero--h-l{--clov-hero-min: 640px}.clov-hero--h-screen{--clov-hero-min: max(520px, calc(100svh - 150px))}.clov-hero__slide{display:grid;grid-template-columns:1fr;min-height:var(--clov-hero-min)}@media(min-width: 992px){.clov-hero__slide{grid-template-columns:minmax(0, 1fr) minmax(0, 1fr);min-height:max(560px,var(--clov-hero-min))}}.clov-hero__panel{display:flex;flex-direction:column;justify-content:center;padding:2.5rem 16px 3rem;order:2}@media(min-width: 992px){.clov-hero__panel{order:1;padding:7.5rem 3rem 6rem 6rem}}.clov-hero__panel.clov-pattern-circles::before{left:3%;right:auto;width:420px;max-height:300px}.clov-hero__content{position:relative;max-width:38rem}.clov-hero__title{margin:0 0 1.25rem;font-size:1.625rem;color:#fff}@media(min-width: 992px){.clov-hero__title{font-size:2.5rem}}.clov-hero__title a{color:inherit;text-decoration:none}@media(min-width: 992px){.clov-hero--title-l .clov-hero__title{font-size:clamp(2.75rem,4.2vw,4rem);line-height:1.1}}.clov-hero__text{max-width:34rem;font-size:1.0625rem;line-height:1.6}.clov-hero__text p:last-child{margin-bottom:0}.clov-hero__media{order:1;position:relative;min-height:220px;overflow:hidden;background:#111 center/cover no-repeat}@media(min-width: 992px){.clov-hero__media{order:2}}.clov-hero__media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.clov-hero--kenburns [data-clov-slide].is-active .clov-hero__media img{animation:clovKenBurns 14s ease-out both}.clov-hero__nav{position:absolute;z-index:3;top:0;right:0;display:flex;align-items:center;gap:.5rem;padding:0 .25rem;background:rgba(0,0,0,.55)}.clov-hero__nav .clov-carousel__controls{font-size:1.4rem}@media(min-width: 992px){.clov-hero__nav{top:3rem;right:auto;left:6rem;padding:0;background:none}.clov-hero__nav .clov-carousel__controls{font-size:2.25rem}}.clov-hero .clov-carousel__pause{position:absolute;z-index:3;right:1rem;bottom:1rem;background:rgba(0,0,0,.45)}@media(min-width: 992px){.clov-hero--split-reverse .clov-hero__panel{order:2;padding:7.5rem 6rem 6rem 3rem}.clov-hero--split-reverse .clov-hero__media{order:1}.clov-hero--split-reverse .clov-hero__nav{left:calc(50% + 3rem)}}.clov-hero--cover .clov-hero__slide{position:relative;grid-template-columns:1fr;min-height:max(420px,var(--clov-hero-min))}@media(min-width: 992px){.clov-hero--cover .clov-hero__slide{grid-template-columns:1fr;min-height:max(560px,var(--clov-hero-min))}}.clov-hero--cover .clov-hero__media{position:absolute;inset:0;margin:0;min-height:0}.clov-hero--cover .clov-hero__panel{position:relative;z-index:1;order:1;justify-content:flex-end;padding:6rem 16px 4.5rem;background:linear-gradient(90deg, rgba(0, 0, 0, var(--clov-hero-overlay, 0.45)) 0%, rgba(0, 0, 0, calc(var(--clov-hero-overlay, 0.45) * 0.35)) 70%)}@media(min-width: 992px){.clov-hero--cover .clov-hero__panel{justify-content:center;padding:7rem max(6rem,(100vw - 1600px)/2 + 2rem)}}.clov-hero--cover .clov-hero__title,.clov-hero--cover .clov-hero__text{text-shadow:0 1px 12px rgba(0,0,0,.35)}@media(min-width: 992px){.clov-hero--cover .clov-hero__nav{top:auto;bottom:2.5rem;left:max(6rem,(100vw - 1600px)/2 + 2rem)}}.clov-hero--cover.clov-hero--align-center .clov-hero__panel{align-items:center;text-align:center;background:rgba(0, 0, 0, var(--clov-hero-overlay, 0.45))}.clov-hero--cover.clov-hero--align-center .clov-hero__content{margin:0 auto}.clov-hero--cover.clov-hero--align-center .clov-hero__text{margin:0 auto}.clov-hero--cover.clov-hero--align-center .clov-btn-row{justify-content:center}@media(min-width: 992px){.clov-hero--cover.clov-hero--align-center .clov-hero__nav{left:50%;transform:translateX(-50%)}}.clov-hero--text .clov-hero__slide{grid-template-columns:1fr;min-height:max(320px,var(--clov-hero-min))}@media(min-width: 992px){.clov-hero--text .clov-hero__slide{grid-template-columns:1fr;min-height:max(420px,var(--clov-hero-min))}}.clov-hero--text .clov-hero__panel{order:1}@media(min-width: 992px){.clov-hero--text .clov-hero__panel{padding:7.5rem max(6rem,(100vw - 1600px)/2 + 2rem) 6rem}}.clov-hero--text .clov-hero__content{max-width:50rem}@media(min-width: 992px){.clov-hero--text .clov-hero__nav{left:max(6rem,(100vw - 1600px)/2 + 2rem)}}.clov-videos{position:relative;padding:3.5rem 16px}@media(min-width: 992px){.clov-videos{padding:5rem max(2rem,(100vw - 1600px)/2 + 1rem)}}.clov-videos--navy{background:var(--clov-band-bg);color:#fff}.clov-videos--navy a{color:#fff}.clov-videos--light{background:var(--clov-surface)}.clov-videos__heading{margin:0 0 2rem;color:inherit}.clov-videos__slide{display:grid;gap:1.5rem 3rem;grid-template-columns:1fr;align-items:center}@media(min-width: 992px){.clov-videos__slide{grid-template-columns:minmax(0, 8fr) minmax(0, 4fr)}}.clov-videos__media{position:relative;aspect-ratio:16/9;overflow:hidden;background:#0b1a24}.clov-videos__media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.clov-videos__play{position:absolute;inset:0;display:block}.clov-videos__play:hover .clov-videos__button,.clov-videos__play:focus-visible .clov-videos__button{transform:scale(1.08);background-color:var(--clov-accent)}.clov-videos__play:focus-visible{outline:3px solid var(--clov-accent);outline-offset:-3px}.clov-videos__button{position:absolute;top:50%;left:50%;width:84px;height:84px;margin:-42px 0 0 -42px;border:3px solid #fff;border-radius:50%;background:rgba(0,0,0,.45) url("../images/icons/play.svg") center/34px no-repeat;transition:transform .2s,background-color .2s}.clov-videos__title{margin:0 0 1rem;font-size:1.5rem;line-height:1.3;color:inherit}.clov-videos__title a{text-decoration:none}.clov-videos__title a:hover{text-decoration:underline}.clov-videos__text{line-height:1.6}.clov-videos__text p:last-child{margin-bottom:0}.clov-videos__nav{display:flex;align-items:center;gap:1rem;margin-top:1.5rem}.clov-videos__nav .clov-carousel__controls{font-size:1.5rem;color:inherit}.clov-videos--light .clov-carousel__controls,.clov-videos--light .clov-carousel__dot{color:var(--clov-band-bg)}[data-clov-video-box]{position:relative}[data-clov-video-box]>iframe[data-clov-video-frame]{position:absolute;inset:0;z-index:2;width:100%;height:100%;border:0;background:#000}[data-clov-video-box].is-playing::after,[data-clov-video-box].is-playing>a{visibility:hidden}.clov-finder{background:var(--clov-surface);box-shadow:0 12px 16px -12px rgba(0,0,0,.25);padding:2rem 16px;position:relative;z-index:2}.clov-finder__form{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:1rem;max-width:960px;margin:0 auto}.clov-finder label{margin:0;font-weight:700;text-transform:uppercase;letter-spacing:.02em}.clov-finder select{flex:1 1 220px;max-width:320px;height:44px;padding:0 .75rem;border:1px solid #1e1e1e;border-radius:0;background-color:#fff;font-size:1rem}.clov-finder select:disabled{background:#d6d6d6;border-color:#b7b7b7;color:#6d6d6d}.clov-finder button{flex:0 0 104px;height:44px;border:0;background:var(--clov-accent);color:var(--clov-accent-text);cursor:pointer}.clov-finder button:disabled{background:#b8c3cc;cursor:not-allowed}.clov-finder button svg{width:18px;height:26px}@media(max-width: 767.98px){.clov-finder__form{flex-direction:column;align-items:stretch}.clov-finder select,.clov-finder button{max-width:none;flex:0 0 auto}}.clov-split{display:grid;grid-template-columns:1fr;align-items:center;gap:2rem;padding:3.5rem 0}@media(min-width: 992px){.clov-split{grid-template-columns:minmax(0, 1fr) minmax(0, 1fr);gap:4rem;padding:5rem 0}}.clov-split__body{padding:0 16px}@media(min-width: 992px){.clov-split__body{padding:0 0 0 max(2rem,(100vw - 1600px)/2 + 16rem);max-width:44rem}}.clov-split__body h2{margin:0 0 1.25rem}.clov-split__body>p{line-height:1.6}.clov-split__media{position:relative}.clov-split__media img{width:100%;height:100%;max-height:520px;object-fit:cover}.clov-split__media>video,.clov-split__media>iframe{display:block;width:100%;height:auto;max-height:520px;aspect-ratio:16/9;border:0;background:#0b1a24}.clov-split__media>video{object-fit:cover}@media(min-width: 992px){.clov-split--reverse .clov-split__body{order:2;padding:0 max(2rem,(100vw - 1600px)/2 + 4rem) 0 0}.clov-split--reverse .clov-split__media{order:1}}.clov-split .clov-link-list{columns:1;margin-bottom:1.25rem}.clov-split .clov-btn-row{justify-content:center}@media(min-width: 992px){.clov-split .clov-btn-row{justify-content:flex-start}}.clov-band{position:relative;color:#fff;margin:0}@media(min-width: 992px){.clov-band{margin-left:15%}}.clov-band__slide{display:grid;grid-template-columns:1fr;background:var(--clov-band-bg)}@media(min-width: 992px){.clov-band__slide{grid-template-columns:minmax(0, 11fr) minmax(0, 10fr);min-height:520px;padding-top:7rem;padding-bottom:7rem}}.clov-band__media{position:relative;min-height:240px;background:#111}@media(min-width: 992px){.clov-band__media{margin-left:-18%}}.clov-band__media img,.clov-band__media iframe{position:absolute;inset:0;width:100%;height:100%;border:0;object-fit:cover}.clov-band__media--play>a{position:absolute;inset:0;display:block}.clov-band__media--play>a:focus-visible{outline:3px solid var(--clov-accent);outline-offset:-3px}.clov-band__media--play::after{content:"";position:absolute;top:50%;left:50%;width:84px;height:84px;margin:-42px 0 0 -42px;border:3px solid #fff;border-radius:50%;background:rgba(0,0,0,.35) url("../images/icons/play.svg") center/34px no-repeat;transition:transform .2s,background-color .2s;pointer-events:none}.clov-band__media--play:hover::after{transform:scale(1.08);background-color:var(--clov-accent)}.clov-band__body{display:flex;flex-direction:column;justify-content:center;padding:2.5rem 16px 3rem}@media(min-width: 992px){.clov-band__body{padding:1rem 3.5rem}}.clov-band__body h2{margin:0 0 1rem;color:#fff}.clov-band__body p{font-size:1.0625rem;line-height:1.6}.clov-band__body a:not(.clov-btn){color:#fff;font-weight:700}.clov-band__controls{margin:0 0 1.75rem}.clov-band__tag{font-weight:700}.clov-stats{max-width:1600px;margin-left:auto;margin-right:auto;padding-left:16px;padding-right:16px;padding-top:4rem;padding-bottom:4rem}@media(min-width: 992px){.clov-stats{padding-left:32px;padding-right:32px}}.clov-stats__grid{display:grid;grid-template-columns:repeat(2, minmax(0, 1fr));gap:2rem 1.5rem}@media(min-width: 992px){.clov-stats__grid{grid-template-columns:repeat(4, 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a{color:var(--clov-text);text-decoration:none}.clov-mini-list__title a:hover{color:var(--clov-link)}.clov-mini-list__date{font-size:.8125rem;text-transform:uppercase;color:var(--clov-link)}.clov-article__hero{background:var(--clov-band-bg);color:#fff;margin:0 0 3rem;padding:2.25rem 16px}@media(min-width: 992px){.clov-article__hero{padding:2.5rem 0}}.clov-article__hero-inner{max-width:44rem}.clov-article__title{margin:0;color:#fff;font-size:2rem}@media(min-width: 768px){.clov-article__title{font-size:3rem}}.clov-article__lead-image{margin:0 0 2rem}.clov-article__lead-image img{width:100%;max-height:520px;object-fit:cover}.clov-article__lead-image figcaption{margin-top:.5rem;font-size:.875rem;color:var(--clov-muted)}.clov-article__date{display:block;margin:0 0 1.75rem;font-size:1.25rem}.clov-article__meta{display:flex;flex-wrap:wrap;gap:.5rem 1.5rem;margin:0 0 2rem;padding:0;list-style:none;color:var(--clov-muted);font-size:.9375rem}.clov-article__tags{margin-top:2.5rem}body.view-article #sp-main-body{padding-top:0}@media(min-width: 992px){body.view-article .clov-article__hero{margin-left:-1rem;margin-right:-1rem;padding-left:1rem;padding-right:1rem}}#system-message-container joomla-alert{border-radius:0}.form-control,.form-select,.inputbox{border-radius:0}.pagination{gap:.25rem}.pagination .page-link{border-radius:0 !important;color:var(--clov-text)}.pagination .page-item.active .page-link{background:var(--clov-band-bg);border-color:var(--clov-band-bg);color:#fff}html.error-page body.clov-error-page{height:auto;min-height:100vh;display:flex;flex-direction:column;align-items:stretch;justify-content:flex-start;text-align:left;padding:0;margin:0}.clov-error{flex:1 1 auto;display:flex;align-items:center;padding:4rem 0;background:var(--clov-surface)}.clov-error__code{margin:0;font-family:"Montserrat","Helvetica Neue",Arial,sans-serif;font-weight:700;font-size:6rem;line-height:1;color:var(--clov-accent)}@media(min-width: 768px){.clov-error__code{font-size:9rem}}.clov-error__title{margin:1rem 0 .75rem;border-left:8px solid var(--clov-accent);padding-left:1rem}.clov-error__text{color:var(--clov-muted)}@media(min-width: 992px){#sp-main-body>.container{max-width:1600px;padding-left:16px;padding-right:16px}#sp-main-body>.container>.container-inner>.row{--bs-gutter-x: 0}#sp-main-body #sp-left>.sp-column{padding-right:0}#sp-main-body #sp-component>.sp-column{padding:0 1rem}#sp-left~#sp-component .clov-banner{margin-left:-1rem;margin-right:-1rem}#sp-main-body #sp-right>.sp-column{padding-left:2rem}}@media(max-width: 991.98px){#sp-main-body #sp-left{order:3}#sp-main-body #sp-right{order:4}#sp-main-body #sp-component{order:1}.clov-sidenav,#sp-left .sp-module.clov-sidenav{margin-top:2rem;padding:1.5rem 0}}:root .clov-lead{font-size:1.25rem;line-height:1.55}:root .clov-cols{display:grid;gap:1.5rem 2rem;grid-template-columns:minmax(0, 1fr);margin:0 0 1.5rem}:root .clov-cols>*{min-width:0}:root .clov-cols>*>:first-child{margin-top:0}:root .clov-cols>*>:last-child{margin-bottom:0}@media(min-width: 768px){:root .clov-cols--2,:root .clov-cols--3,:root .clov-cols--4,:root .clov-cols--1-2,:root .clov-cols--2-1{grid-template-columns:repeat(2, minmax(0, 1fr))}}@media(min-width: 992px){:root .clov-cols--3{grid-template-columns:repeat(3, minmax(0, 1fr))}:root .clov-cols--4{grid-template-columns:repeat(4, minmax(0, 1fr))}:root .clov-cols--1-2{grid-template-columns:minmax(0, 1fr) minmax(0, 2fr)}:root .clov-cols--2-1{grid-template-columns:minmax(0, 2fr) minmax(0, 1fr)}}:root .clov-cols--middle{align-items:center}:root .clov-panel{margin:0 0 1.5rem;padding:1.75rem 2rem;background:var(--clov-surface)}:root .clov-panel>:first-child{margin-top:0}:root .clov-panel>:last-child{margin-bottom:0}:root .clov-panel--navy{background:var(--clov-band-bg);color:#fff}:root .clov-panel--navy h1,:root .clov-panel--navy h2,:root .clov-panel--navy h3,:root .clov-panel--navy h4,:root .clov-panel--navy h5,:root .clov-panel--navy h6,:root .clov-panel--navy a{color:#fff}:root .clov-panel--accent{background:var(--clov-accent);color:var(--clov-accent-text)}:root .clov-panel--accent h1,:root .clov-panel--accent h2,:root .clov-panel--accent h3,:root .clov-panel--accent h4,:root .clov-panel--accent h5,:root .clov-panel--accent h6,:root .clov-panel--accent a{color:inherit}:root .clov-panel--white{background:#fff;box-shadow:0 1px 3px rgba(0,0,0,.08),0 4px 12px rgba(0,0,0,.06)}:root .clov-profile{display:grid;gap:1.5rem 2.5rem;grid-template-columns:minmax(0, 1fr);margin:0 0 2rem;padding:2rem;background:var(--clov-surface)}@media(min-width: 768px){:root .clov-profile{grid-template-columns:minmax(0, 1fr) minmax(0, 3fr)}}:root .clov-profile__photo{margin:0}:root .clov-profile__photo img{display:block;width:100%;aspect-ratio:1;object-fit:cover}:root .clov-profile__name{margin:0;font-size:clamp(2rem,4vw,3.25rem);line-height:1.1}:root .clov-profile__name::after{content:"";display:block;width:min(10rem,40%);height:6px;margin-top:1.25rem;background:currentColor}:root .clov-profile__role{margin:1.5rem 0 1.25rem;font-size:1.375rem}:root .clov-profile__body>:last-child{margin-bottom:0}:root .clov-people{display:grid;gap:1.5rem 1.75rem;grid-template-columns:minmax(0, 1fr);margin:0 0 2rem;padding:0;list-style:none}@media(min-width: 768px){:root .clov-people{grid-template-columns:repeat(2, minmax(0, 1fr))}}@media(min-width: 1200px){:root .clov-people:not(.clov-people--2){grid-template-columns:repeat(3, minmax(0, 1fr))}}:root .clov-person{position:relative;display:flex;align-items:flex-start;gap:1.25rem;margin:0;padding:.9rem;border-bottom:3px solid rgba(0,0,0,0);background:var(--clov-surface);transition:background-color .2s,box-shadow .2s,border-color .2s}:root .clov-person::before{content:none !important}:root .clov-person img{flex:none;width:96px;height:96px;object-fit:cover;background:#d9d9d9}:root .clov-person>div{min-width:0}:root .clov-person p{margin:0;line-height:1.45}:root .clov-person strong{font-weight:700}:root .clov-person a{color:inherit;text-decoration:none}:root .clov-person a::after{content:"";position:absolute;inset:0}:root .clov-person:has(a:hover),:root .clov-person:has(a:focus-visible){background:color-mix(in srgb, var(--clov-link) 9%, #fff);border-bottom-color:var(--clov-link);box-shadow:0 6px 18px rgba(0,0,0,.12)}:root .clov-person:has(a:hover) a,:root .clov-person:has(a:focus-visible) a{color:var(--clov-link)}:root .clov-person:has(a:focus-visible){outline:3px solid var(--clov-accent);outline-offset:2px}:root table.clov-directory{width:100%;margin:0 0 1.5rem;border-collapse:collapse;outline:4px solid #e8e8e8;outline-offset:-4px}:root table.clov-directory th,:root table.clov-directory td{padding:1.1rem 1.25rem;border:0;text-align:left;vertical-align:top}:root table.clov-directory th{width:50%;font-weight:700}:root table.clov-directory tbody tr:nth-child(even){background:var(--clov-surface)}:root table.clov-directory a{text-decoration:none}:root table.clov-directory a:hover{text-decoration:underline}@media(max-width: 767.98px){:root table.clov-directory tr{display:block;padding:.9rem 1rem}:root table.clov-directory th,:root table.clov-directory td{display:block;width:auto;padding:0}:root table.clov-directory td{margin-top:.25rem}}:root details.mce-accordion,:root .clov-accordion>details{margin:0;border-bottom:1px solid #d8dde2}:root details.mce-accordion>summary,:root .clov-accordion>details>summary{position:relative;padding:1rem 2.5rem 1rem 0;font-weight:700;cursor:pointer;list-style:none}:root details.mce-accordion>summary::-webkit-details-marker,:root .clov-accordion>details>summary::-webkit-details-marker{display:none}:root details.mce-accordion>summary::after,:root .clov-accordion>details>summary::after{content:"";position:absolute;top:50%;right:.5rem;width:.55rem;height:.55rem;border-right:2px solid 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.clov-accordion--navy>details>summary::after,:root .clov-accordion--boxed>details>summary::after{right:1.6rem;border-color:currentColor}:root .clov-accordion--navy>details[open]>summary,:root .clov-accordion--boxed>details[open]>summary{border-radius:8px 8px 0 0}:root .clov-accordion--navy>details>:not(summary),:root .clov-accordion--boxed>details>:not(summary){margin:0;padding:0 1.75rem}:root .clov-accordion--navy>details>summary+*,:root .clov-accordion--boxed>details>summary+*{padding-top:1.5rem}:root .clov-accordion--navy>details>:last-child,:root .clov-accordion--boxed>details>:last-child{padding-bottom:1.75rem}:root .clov-accordion--navy>details>summary{background:var(--clov-band-bg);color:#fff}:root .clov-accordion--navy>details>summary:hover{background:color-mix(in srgb, var(--clov-band-bg) 85%, var(--clov-link))}:root .clov-accordion--navy>details[open]>summary{background:color-mix(in srgb, var(--clov-band-bg) 75%, var(--clov-link));box-shadow:inset 0 0 0 2px 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.clov-factcards__more::after{content:" →"}:root .clov-callout{margin:0 0 1.5rem;padding:1.25rem 1.5rem;border-left:5px solid var(--clov-accent);background:var(--clov-surface)}:root .clov-callout>:first-child{margin-top:0}:root .clov-callout>:last-child{margin-bottom:0}:root .clov-callout--tip{border-left-color:#1f7a4d;background:#eff8f3}:root .clov-callout--warning{border-left-color:#c0392b;background:#fdf3f2}:root blockquote.clov-pullquote{margin:2rem 0;padding:0 0 0 1.5rem;border-left:4px solid var(--clov-accent);font-family:"Montserrat","Helvetica Neue",Arial,sans-serif;font-size:clamp(1.35rem,2.4vw,1.75rem);font-style:normal;line-height:1.35}:root blockquote.clov-pullquote p{margin:0 0 .75rem}:root blockquote.clov-pullquote footer,:root blockquote.clov-pullquote cite{display:block;font-family:"Roboto","Helvetica Neue",Arial,sans-serif;font-size:1rem;font-style:normal;font-weight:700}:root ul.clov-ticks,:root ol.clov-steps{margin:0 0 1.5rem;padding:0;list-style:none;counter-reset:clov-step}:root ul.clov-ticks>li,:root ol.clov-steps>li{position:relative;margin:0 0 .75rem;padding-left:2.25rem;border:0;counter-increment:clov-step}:root ul.clov-ticks>li::before,:root ol.clov-steps>li::before{position:absolute;left:0;top:.05em;display:grid;place-items:center;width:1.5rem;height:1.5rem;border-radius:50%;background:var(--clov-accent);color:var(--clov-accent-text);font-size:.8rem;font-weight:700}:root ul.clov-ticks>li::before{content:"✓"}:root ol.clov-steps>li::before{content:counter(clov-step)}:root .clov-media-text{display:grid;gap:1.5rem 2.5rem;grid-template-columns:minmax(0, 1fr);align-items:center;margin:0 0 2rem}@media(min-width: 768px){:root .clov-media-text{grid-template-columns:repeat(2, minmax(0, 1fr))}:root .clov-media-text--reverse>:first-child{order:2}}:root .clov-media-text>figure,:root .clov-media-text>p:has(>img:only-child){margin:0}:root .clov-media-text>figure img,:root .clov-media-text>p:has(>img:only-child) img{display:block;width:100%;height:auto}:root .clov-media-text>div>:first-child{margin-top:0}:root .clov-media-text>div>:last-child{margin-bottom:0}:root .clov-video{position:relative;aspect-ratio:16/9;margin:0 0 1rem;overflow:hidden;background:#0b1a24}:root .clov-video a{position:absolute;inset:0;display:block}:root .clov-video img{width:100%;height:100%;object-fit:cover}:root .clov-video::after{content:"";position:absolute;top:50%;left:50%;width:76px;height:76px;margin:-38px 0 0 -38px;border:3px solid #fff;border-radius:50%;background:rgba(0,0,0,.45) url("../images/icons/play.svg") center/30px no-repeat;pointer-events:none;transition:transform .2s}:root .clov-video:hover::after{transform:scale(1.08)}:root .clov-video>iframe{position:absolute;inset:0;z-index:2;width:100%;height:100%;border:0}:root .clov-video.is-playing::after,:root .clov-video.is-playing>a{visibility:hidden}:root .clov-slider{position:relative;margin:0 0 2rem}:root .clov-slider.is-ready>.clov-slide:not(.is-active){display:none}:root .clov-slider--navy{padding:2rem;background:var(--clov-band-bg);color:#fff}:root .clov-slider--navy h1,:root .clov-slider--navy h2,:root .clov-slider--navy h3,:root .clov-slider--navy h4,:root .clov-slider--navy a{color:#fff}:root .clov-slider .clov-slider__nav{display:flex;align-items:center;gap:1rem;margin-top:1rem}:root .clov-slider .clov-slider__nav .clov-carousel__controls{font-size:1.5rem;color:inherit}:root .clov-slider:not(.clov-slider--navy) .clov-carousel__controls,:root .clov-slider:not(.clov-slider--navy) .clov-carousel__dot{color:var(--clov-band-bg)}:root a.clov-btn--outline{border:2px solid currentColor;background:rgba(0,0,0,0);color:var(--clov-link)}:root a.clov-btn--outline:hover{background:var(--clov-link);color:#fff}:root .clov-section{position:relative;margin:0 0 2rem;padding:2.5rem 0}:root .clov-section>:first-child{margin-top:0}:root .clov-section>:last-child{margin-bottom:0}:root 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.clov-imgbanner__text{position:static;padding:1.5rem 1rem;background:var(--clov-band-bg);text-align:left}:root .clov-imgbanner h2,:root .clov-imgbanner h1{text-shadow:none}}:root .clov-audience{margin:0 0 2rem}:root .clov-audience__title{margin:0 0 1rem;font-size:1.5rem}:root .clov-audience>ul{display:grid;gap:.75rem;grid-template-columns:repeat(auto-fit, minmax(min(100%, 190px), 1fr))}:root .clov-audience a{position:relative;display:flex;align-items:center;min-height:4.5rem;height:100%;padding:1rem 2.75rem 1rem 1.25rem;background:var(--clov-band-bg);color:#fff;font-weight:700;line-height:1.3;text-decoration:none;transition:background-color .2s}:root .clov-audience a::after{content:"";position:absolute;right:1.25rem;top:50%;width:.55rem;height:.55rem;border-right:2px solid currentColor;border-top:2px solid currentColor;transform:translateY(-50%) rotate(45deg);transition:right .2s}:root .clov-audience a:hover,:root .clov-audience 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.clov-testimonial>img{width:120px;height:120px;border-radius:50%;object-fit:cover}:root .clov-testimonial blockquote{margin:0;padding:0;border:0;font-family:"Montserrat","Helvetica Neue",Arial,sans-serif;font-size:clamp(1.2rem,2.2vw,1.5rem);font-style:normal;line-height:1.4}:root .clov-testimonial blockquote::before{content:"“";display:block;height:2.25rem;color:var(--clov-accent);font-size:4rem;line-height:1}:root .clov-testimonial blockquote p{margin:0 0 .5rem}:root .clov-testimonial figcaption{grid-column:1/-1}@media(min-width: 768px){:root .clov-testimonial figcaption{grid-column:2}}:root .clov-testimonial figcaption strong{display:block;font-size:1.0625rem}:root .clov-testimonial figcaption span{color:var(--clov-muted)}:root .clov-testimonial--navy{background:var(--clov-band-bg);color:#fff}:root .clov-testimonial--navy figcaption span{color:rgba(255,255,255,.8)}:root .clov-gallery{display:grid;gap:.5rem;grid-template-columns:repeat(auto-fill, minmax(min(100%, 160px), 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