:root{--ink:#142e35;--muted:#53676b;--paper:#fff;--soft:#f2f6f5;--line:#d9e3e2;--teal:#075e58;--lime:#d3ee84;--orange:#e2653d;--max:1184px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:30px}body{margin:0;color:var(--ink);background:var(--paper);font:17px/1.7 Arial,Helvetica,sans-serif}a{color:inherit;text-underline-offset:4px}a:hover{color:var(--teal)}button,input,select,textarea{font:inherit}button,a{touch-action:manipulation}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid var(--orange);outline-offset:5px}.wrap{max-width:var(--max);margin:auto;padding:0 32px}.skip{position:absolute;top:-100px;left:10px;background:white;padding:12px;z-index:20}.skip:focus{top:10px}.preview{padding:7px 20px;text-align:center;background:#fff4d9;font-size:13px;color:#614700}.topline{background:var(--ink);color:#fff;font-size:12px;letter-spacing:.09em;text-transform:uppercase}.topline .wrap{display:flex;justify-content:space-between;padding-top:7px;padding-bottom:7px}header{border-bottom:1px solid var(--line)}.header-inner{min-height:96px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;line-height:1.18;font-size:17px;letter-spacing:-.03em;font-weight:700}.brand-mark{display:grid;place-items:center;background:var(--ink);color:white;width:43px;height:49px;font-family:Georgia,serif;font-size:29px;border-radius:2px 2px 13px 2px}.brand small{display:block;font-size:12px;letter-spacing:.17em;font-weight:400;margin-top:4px}.nav{display:flex;gap:26px;align-items:center}.nav a{text-decoration:none;font-size:14px;font-weight:600}.nav a[aria-current=page]{border-bottom:2px solid var(--teal)}.nav .nav-cta{border:1px solid var(--ink);padding:10px 17px;border-radius:4px}.menu{display:none;background:none;border:1px solid var(--line);padding:8px 12px;border-radius:4px}.eyebrow{font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;display:flex;align-items:center;gap:10px;margin:0 0 22px}.eyebrow:before{content:"";width:23px;height:2px;background:var(--orange)}h1,h2,h3{line-height:1.14;font-family:Georgia,'Times New Roman',serif;font-weight:400;letter-spacing:-.035em}h1{font-size:clamp(42px,5.6vw,72px);margin:0 0 24px}h2{font-size:clamp(30px,3.4vw,42px);margin:0 0 20px}h3{font-size:27px;margin:0 0 15px}p{margin:0 0 20px}.hero{display:grid;grid-template-columns:1.3fr 1fr;gap:76px;align-items:center;padding-top:70px;padding-bottom:70px}.hero h1 em{font-weight:400;color:var(--teal)}.hero .intro{font-size:19px;max-width:530px;color:var(--muted);line-height:1.65}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.button{display:inline-block;text-decoration:none;border:1px solid var(--ink);padding:12px 22px;border-radius:4px;font-size:14px;font-weight:700;background:var(--ink);color:white}.button:hover{background:var(--teal);color:white}.button.secondary{background:white;color:var(--ink)}.hero-note{font-size:13px;color:var(--muted);margin-top:21px}.desk-card{background:var(--teal);color:white;border-radius:7px;padding:35px;position:relative;box-shadow:13px 13px 0 var(--soft)}.desk-card .eyebrow{color:#d0e0db;margin-bottom:25px}.desk-card h2{font-size:36px;margin-bottom:26px}.desk-row{padding:20px 0;border-top:1px solid #ffffff35;display:grid;grid-template-columns:32px 1fr;gap:14px}.desk-row .number{font-family:Georgia,serif;color:var(--lime);font-size:22px}.desk-row h3{font-family:Arial,sans-serif;font-size:17px;letter-spacing:0;margin:0 0 5px;font-weight:600}.desk-row p{font-size:14px;color:#dce9e6;margin:0;line-height:1.6}.desk-card .card-foot{font-size:12px;letter-spacing:.07em;margin:21px 0 0;color:var(--lime)}.trust-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);display:grid;grid-template-columns:repeat(3,1fr);padding-top:20px;padding-bottom:20px;gap:20px}.trust-strip div{font-size:14px;display:flex;align-items:center;gap:12px}.trust-strip span{color:var(--teal);font-size:18px}.section{padding-top:64px;padding-bottom:64px}.section-head{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:30px}.section-head h2{margin:0}.section-head a{font-size:14px}.section-head p{color:var(--muted);margin:0;max-width:400px;font-size:15px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.guide-card{border:1px solid var(--line);border-radius:5px;padding:28px;display:flex;flex-direction:column;position:relative;transition:border-color .15s,transform .15s}.guide-card:hover{border-color:var(--teal);transform:translateY(-3px)}.guide-card .tag{margin-bottom:22px}.guide-card h3{font-size:27px}.guide-card h3 a{text-decoration:none}.guide-card p{font-size:15px;color:var(--muted);line-height:1.7}.guide-card .meta{margin-top:auto;padding-top:20px;border-top:1px solid var(--line);font-size:12px;color:var(--muted)}.tag{font-size:11px;letter-spacing:.1em;text-transform:uppercase;font-weight:700;color:var(--teal)}.soft{background:var(--soft)}.market-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px}.market-card{display:flex;gap:26px;align-items:start;border-top:2px solid var(--ink);padding:28px 0}.market-label{border:1px solid var(--line);background:white;padding:10px;font-size:15px;letter-spacing:.1em;min-width:48px;text-align:center}.market-card p{font-size:16px;color:var(--muted)}.market-card a{font-size:14px;font-weight:700}.feature-band{background:var(--ink);color:white;border-radius:5px;padding:42px;display:grid;grid-template-columns:1.3fr 1fr;gap:50px;align-items:center}.feature-band p{color:#d5e2e2;font-size:16px}.feature-band .button{background:var(--lime);color:var(--ink);border:0}.feature-band h2{font-size:36px}.mini-list{margin:0;padding:0;list-style:none;font-size:15px}.mini-list li{padding:14px 0;border-bottom:1px solid #ffffff30}.mini-list span{color:var(--lime);margin-right:14px}.editorial{display:grid;grid-template-columns:1fr 1.5fr;gap:70px}.editorial p{color:var(--muted);font-size:16px}.editorial a{font-size:14px;font-weight:bold}.footer{border-top:1px solid var(--line);padding:46px 0 24px}.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:35px}.footer h3{font-family:Arial;font-size:13px;font-weight:bold;letter-spacing:.04em}.footer ul{list-style:none;padding:0;margin:0}.footer li{margin:7px 0;font-size:13px}.footer a{text-decoration:none}.footer .brand{margin-bottom:15px}.footer p{font-size:13px;color:var(--muted)}.footer-bottom{border-top:1px solid var(--line);margin-top:28px;padding-top:20px;display:flex;justify-content:space-between;gap:25px;font-size:12px;color:var(--muted)}.crumbs{display:flex;gap:8px;flex-wrap:wrap;font-size:13px;color:var(--muted);padding-top:25px;padding-bottom:25px}.crumbs a{text-decoration:none}.page-title{max-width:830px;padding-top:25px;padding-bottom:40px}.page-title h1{font-size:clamp(38px,4.6vw,58px)}.page-title .intro{font-size:20px;color:var(--muted)}.article-meta{font-size:13px;color:var(--muted);display:flex;gap:14px;flex-wrap:wrap}.article-layout{display:grid;grid-template-columns:minmax(0,760px) 260px;gap:70px;align-items:start;padding-bottom:60px}.prose{font-size:17px}.prose h2{font-size:32px;margin-top:42px}.prose h3{font-size:23px;margin-top:28px}.prose li{padding-left:4px;margin-bottom:11px}.prose ul,.prose ol{padding-left:23px}.prose a{color:var(--teal)}.answer{background:var(--soft);border-left:3px solid var(--teal);padding:24px 28px;margin-bottom:30px}.answer strong{display:block;font-size:12px;letter-spacing:.12em;text-transform:uppercase;margin-bottom:9px;color:var(--teal)}.answer p{margin:0}.note{padding:20px;border:1px solid var(--line);font-size:14px;background:#fafcfc}.toc{border-top:2px solid var(--teal);padding:22px 0;position:sticky;top:25px}.toc h2{font-size:13px;font-family:Arial;font-weight:bold;letter-spacing:.07em}.toc ul{list-style:none;padding:0;font-size:14px}.toc li{margin:14px 0;line-height:1.5}.toc a{text-decoration:none;color:var(--muted)}.toc .note{margin-top:28px}.sources{border-top:1px solid var(--line);margin-top:40px;padding-top:22px;font-size:14px}.sources h2{font-size:22px;margin-top:0}.table-wrap{overflow:auto;max-width:100%;margin:25px 0}table{border-collapse:collapse;width:100%;font-size:14px;line-height:1.6}th,td{text-align:left;padding:15px;border:1px solid var(--line);vertical-align:top}th{background:var(--soft)}.policy{max-width:790px;margin:0 auto;padding-bottom:70px}.policy h2{font-size:29px;margin-top:35px}.checklist{padding:20px 26px;border:1px solid var(--line);border-radius:5px;margin:25px 0}.checklist label{display:flex;gap:14px;align-items:start;padding:15px 0;border-bottom:1px solid var(--line);cursor:pointer}.checklist input{width:20px;height:20px;flex-shrink:0;margin-top:5px;accent-color:var(--teal)}.checklist label:last-of-type{border:0}.progress{font-size:14px;font-weight:bold;color:var(--teal);margin-top:20px}.tools{display:flex;gap:10px;margin-top:20px}.tools button{cursor:pointer}.empty{padding:70px 0}.ad-placement{min-height:280px;margin:30px 0}.ad-label{text-align:center;font-size:12px;color:var(--muted)}details{border-bottom:1px solid var(--line);padding:20px 0}summary{cursor:pointer;font-weight:bold;font-size:17px}details p{margin:15px 0 0}.legal-draft{background:#fff4d9;border-left:3px solid #987300;padding:18px;font-size:14px;margin-bottom:25px}@media(max-width:1000px){.hero{gap:38px}.nav{gap:16px}.article-layout{grid-template-columns:minmax(0,1fr) 220px;gap:35px}.grid{gap:15px}.guide-card{padding:22px}}@media(max-width:760px){.wrap{padding-left:22px;padding-right:22px}.topline .wrap span:last-child{display:none}.header-inner{min-height:82px;flex-wrap:wrap;padding-top:16px;padding-bottom:16px}.menu{display:block}.nav{display:flex;flex-wrap:wrap;width:100%;gap:18px;padding:15px 0 5px}.js .nav{display:none}.js .nav.open{display:flex}.brand{font-size:15px}.brand small{font-size:11px}.hero{grid-template-columns:1fr;gap:34px;padding-top:42px;padding-bottom:42px}.hero h1{font-size:49px}.hero .intro{font-size:17px}.desk-card{padding:27px;box-shadow:7px 7px 0 var(--soft)}.desk-card h2{font-size:30px}.trust-strip{grid-template-columns:1fr;gap:8px}.trust-strip div{font-size:13px}.section{padding-top:42px;padding-bottom:42px}.section-head{align-items:start;flex-direction:column;gap:14px}.grid,.market-grid,.feature-band,.editorial,.article-layout{grid-template-columns:1fr}.grid{gap:20px}.guide-card h3{font-size:27px}.feature-band{padding:28px;gap:16px}.editorial{gap:15px}.footer-grid{grid-template-columns:1fr 1fr;gap:28px}.footer-grid>div:first-child{grid-column:1/-1}.footer-bottom{flex-direction:column;gap:10px}.article-layout{gap:20px}.toc{position:static;grid-row:1}.toc ul{display:flex;flex-wrap:wrap;gap:8px 20px}.toc li{margin:4px 0}.toc .note{display:none}.page-title{padding-top:15px}.page-title .intro{font-size:18px}.article-meta{gap:5px 12px}.prose h2{font-size:29px}.answer{padding:22px}.market-card{gap:18px}.tools{flex-wrap:wrap}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}@media print{header,.topline,.preview,.footer,.toc,.tools,.related,.skip{display:none}.wrap{padding:0}.article-layout{display:block}.page-title h1{font-size:30px}body{font-size:12pt}.checklist label{break-inside:avoid}.section{padding:15px 0}a{text-decoration:none;color:inherit}}