:root{--ink:#151d41;--muted:#555f76;--accent:#363c9d;--blue:#1960a0;--line:#dce2ef;--pale:#f3f6fc;--paper:#fff;--radius:16px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;color:var(--ink);background:var(--paper);font-family:Arial,Helvetica,sans-serif;font-size:17px;line-height:1.7}a{color:var(--accent);text-underline-offset:4px}a:hover{color:#151b62}a:focus-visible,button:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid #a45100;outline-offset:5px}img{max-width:100%;height:auto}button{font:inherit}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.16;letter-spacing:-.035em}h1{font-size:clamp(2.45rem,4.4vw,4.3rem);font-weight:600}h2{font-size:clamp(1.85rem,3vw,2.6rem);font-weight:600;margin-bottom:22px}h3{font-size:1.25rem;line-height:1.35;letter-spacing:-.02em}p{margin-bottom:20px}p:last-child{margin-bottom:0}ul,ol{padding-left:24px}li{margin:9px 0}.wrap{max-width:1180px;margin:auto;padding:0 30px}.skip{position:fixed;top:-100px;left:12px;padding:12px;background:white;z-index:100}.skip:focus{top:12px}.disclosure{background:#f1f3fa;color:#4e5870;font-size:13px;padding:9px 20px;text-align:center}.disclosure a{color:inherit}.site-header{border-bottom:1px solid var(--line);background:white}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:25px;min-height:88px}.brand{text-decoration:none;color:var(--ink);display:flex;align-items:center;gap:10px;white-space:nowrap}.brand img{width:35px;height:35px;object-fit:contain}.brand span{font-size:23px;font-weight:750;letter-spacing:-.05em}.brand small{display:block;font-size:10px;letter-spacing:.16em;text-transform:uppercase;font-weight:500;line-height:1.4}.desktop-nav{display:flex;gap:26px;align-items:center}.desktop-nav a{font-size:14px;text-decoration:none;font-weight:600;color:#3f4860}.desktop-nav a[aria-current=page]{text-decoration:underline;color:var(--accent)}.button{display:inline-flex;align-items:center;justify-content:center;gap:12px;text-align:center;border-radius:8px;background:var(--accent);color:white;text-decoration:none;font-size:15px;font-weight:700;padding:14px 22px;min-height:50px;border:1px solid var(--accent);line-height:1.3}.button:hover{background:#242878;color:white}.button.secondary{background:white;color:var(--accent);border:1px solid #c9d0e6}.button.light{background:white;color:var(--accent);border-color:white}.desktop-nav .button{color:white;padding:11px 16px;min-height:43px}.mobile-nav{display:none}.eyebrow{color:var(--accent);font-size:12px;font-weight:750;letter-spacing:.16em;text-transform:uppercase;margin-bottom:18px}.hero{background:linear-gradient(110deg,#fff 40%,#edf1fc 100%);border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;align-items:center;gap:50px;padding-top:62px;padding-bottom:62px}.hero h1{font-size:clamp(3rem,5.5vw,5rem);line-height:1.06;margin-bottom:23px;max-width:650px}.hero h1 em{font-family:Georgia,serif;font-weight:400;color:var(--accent)}.hero-lead{font-size:19px;color:var(--muted);max-width:540px;line-height:1.65}.button-row{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0 14px}.fine{font-size:13px;color:var(--muted);line-height:1.6}.hero-visual{position:relative;text-align:center;padding:15px 25px 0}.hero-visual:before{content:'';position:absolute;inset:35px 0 42px;border-radius:50%;background:radial-gradient(circle,#dce2fa 0%,#e9edf9 60%,transparent 70%)}.hero-visual img{position:relative;width:320px;height:auto;filter:drop-shadow(0 20px 19px #23286512)}.visual-caption{position:relative;font-size:12px;letter-spacing:.07em;text-transform:uppercase;color:#4a5475;margin-top:16px}.hero-note{border-top:1px solid #dbe1ee;margin-top:26px;padding-top:19px;display:flex;gap:24px;font-size:13px;color:var(--muted)}.hero-note span{display:block}.strip{padding:21px 0;border-bottom:1px solid var(--line)}.strip-inner{display:flex;justify-content:space-between;gap:20px;font-size:14px}.strip strong{font-size:14px}.section{padding:74px 0}.section.alt{background:var(--pale)}.section-head{display:flex;justify-content:space-between;gap:35px;align-items:flex-end;margin-bottom:30px}.section-head h2{margin-bottom:0}.section-head p{max-width:470px;color:var(--muted);font-size:16px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{border:1px solid var(--line);border-radius:var(--radius);padding:27px;background:white;text-decoration:none;color:var(--ink);display:block}.card:hover{border-color:#9ba8cd;color:var(--ink);box-shadow:0 9px 28px #18274c09}.card .number{display:block;color:var(--accent);font-size:12px;letter-spacing:.13em;margin-bottom:28px}.card h3{margin-bottom:12px}.card p{color:var(--muted);font-size:15px}.card .read{font-size:13px;color:var(--accent);font-weight:700;display:block;margin-top:22px}.split{display:grid;grid-template-columns:.85fr 1.15fr;gap:65px;align-items:start}.fact-list{margin:0}.fact-list div{padding:15px 0;border-bottom:1px solid var(--line);display:grid;grid-template-columns:140px 1fr;gap:20px}.fact-list dt{font-weight:700;font-size:14px}.fact-list dd{margin:0;color:var(--muted);font-size:15px}.note{padding:20px 24px;border-left:3px solid var(--accent);background:var(--pale);font-size:15px;margin:24px 0}.note strong{display:block;margin-bottom:5px}.price-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.price-card{background:white;border:1px solid var(--line);border-radius:var(--radius);padding:30px}.price-card.featured{border-color:#7277b8;background:#f7f7ff}.price-card .package{font-size:13px;color:var(--accent);letter-spacing:.07em;text-transform:uppercase}.price-card h3{font-size:25px;margin-top:14px}.price{font-size:46px;font-weight:700;letter-spacing:-.05em;line-height:1.1;margin-bottom:5px}.price span{font-size:14px;color:var(--muted);font-weight:400;letter-spacing:0}.price-card .total{padding:15px 0;border-bottom:1px solid var(--line);margin-bottom:15px}.price-card .button{width:100%;margin-top:20px}.price-card p{font-size:14px;color:var(--muted)}.evidence-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}.evidence-item{border-top:2px solid var(--accent);padding-top:20px}.evidence-item .label{font-size:12px;text-transform:uppercase;letter-spacing:.1em;color:var(--accent)}.evidence-item p{font-size:15px;color:var(--muted)}.cta-panel{background:#24295f;color:white;padding:44px;border-radius:20px;display:flex;gap:30px;justify-content:space-between;align-items:center}.cta-panel h2{font-size:30px;margin-bottom:12px;max-width:580px}.cta-panel p{color:#d7dbf0;font-size:16px;max-width:630px}.cta-panel .button{flex-shrink:0}.breadcrumbs{font-size:12px;color:var(--muted);padding:24px 0;display:flex;flex-wrap:wrap;gap:8px}.breadcrumbs a{color:var(--muted)}.article-hero{max-width:850px;padding:14px 0 40px}.article-hero h1{margin-bottom:22px}.article-hero .lede{font-size:19px;color:var(--muted)}.byline{font-size:12px;color:var(--muted);display:flex;flex-wrap:wrap;gap:8px;margin-top:24px}.article-layout{display:grid;grid-template-columns:235px minmax(0,1fr);gap:65px;padding-bottom:65px}.toc{align-self:start;position:sticky;top:28px;border-top:2px solid var(--ink);padding-top:20px}.toc strong{font-size:12px;letter-spacing:.09em;text-transform:uppercase}.toc ol{list-style:none;padding:0;margin:17px 0}.toc a{font-size:13px;line-height:1.5;text-decoration:none;color:var(--muted);display:block;padding:3px 0}.toc li{margin:10px 0}.toc .button{font-size:13px;margin-top:15px;width:100%}.article-body{max-width:790px;min-width:0}.article-body section{margin-bottom:46px}.article-body h2{font-size:30px}.article-body p{font-size:17px;color:#39445b}.quick{padding:25px 28px;background:var(--pale);border-radius:12px;margin-bottom:40px;border-left:3px solid var(--accent)}.quick strong{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.1em;margin-bottom:10px}.quick p{color:var(--ink)}.table-wrap{max-width:100%;overflow:auto;margin:24px 0;border:1px solid var(--line);border-radius:10px}table{width:100%;border-collapse:collapse;font-size:14px;line-height:1.55}th{text-align:left;background:#eef1f9;color:var(--ink);font-weight:700}th,td{padding:15px 17px;border-bottom:1px solid var(--line);min-width:120px}tr:last-child td{border-bottom:0}td{color:#455069}details.faq{padding:18px 0;border-bottom:1px solid var(--line)}summary{cursor:pointer;font-weight:600;font-size:17px;padding-right:15px}details.faq p{margin-top:15px;font-size:16px}.references{font-size:14px}.references li{overflow-wrap:anywhere}.citation{font-size:12px;white-space:normal}.related{padding:50px 0;background:var(--pale);border-top:1px solid var(--line)}.related h2{font-size:26px}.related .card{padding:23px}.related .card h3{font-size:19px}.site-footer{background:#f8f9fc;padding:50px 0 28px;border-top:1px solid var(--line)}.footer-top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:55px}.footer-top p{font-size:14px;color:var(--muted);margin-top:17px;max-width:360px}.footer-top strong{font-size:14px}.footer-links{display:grid;gap:8px;margin-top:18px}.footer-links a{font-size:13px;color:var(--muted);text-decoration:none}.footer-bottom{border-top:1px solid var(--line);margin-top:35px;padding-top:24px;color:var(--muted);font-size:12px;line-height:1.65}.mobile-sticky{display:none}.hub-header{max-width:760px;padding:16px 0 40px}.hub-header p{font-size:18px;color:var(--muted)}.hub-grid{padding-bottom:70px}.no-break{white-space:nowrap}.home-faq{max-width:820px;margin:auto}.source-small{font-size:13px;color:var(--muted);margin-top:23px}.edit-meta{font-size:13px;color:var(--muted);margin-top:30px}@media(max-width:1050px){.desktop-nav{gap:16px}.desktop-nav a{font-size:13px}.header-inner{gap:15px}.hero-grid{gap:20px}.article-layout{gap:35px;grid-template-columns:210px minmax(0,1fr)}}@media(max-width:820px){.wrap{padding:0 22px}.desktop-nav{display:none}.mobile-nav{display:block;position:relative}.mobile-nav summary{list-style:none;border:1px solid var(--line);border-radius:6px;padding:8px 13px;font-size:14px}.mobile-nav summary::-webkit-details-marker{display:none}.mobile-nav nav{position:absolute;right:0;top:47px;background:white;box-shadow:0 12px 30px #14234b22;width:230px;padding:20px;z-index:20;border:1px solid var(--line);border-radius:10px}.mobile-nav a{display:block;padding:9px 0;font-size:15px;text-decoration:none}.header-inner{min-height:75px}.hero-grid{grid-template-columns:1fr;gap:22px;padding-top:42px;padding-bottom:36px}.hero h1{font-size:3.55rem;max-width:570px}.hero-lead{font-size:18px}.hero-visual{padding-top:0}.hero-visual img{width:255px}.hero-visual:before{inset:15px 10% 30px}.hero-note{gap:20px;margin-top:22px}.strip-inner{display:grid;grid-template-columns:1fr 1fr;font-size:12px}.strip-inner div:last-child{grid-column:1/-1}.section{padding:50px 0}.section-head{display:block}.section-head h2{margin-bottom:17px}.cards{grid-template-columns:repeat(2,1fr)}.split{grid-template-columns:1fr;gap:20px}.price-grid{grid-template-columns:1fr}.price-card{padding:26px}.evidence-grid{grid-template-columns:1fr;gap:25px}.cta-panel{display:block;padding:30px}.cta-panel .button{margin-top:24px}.article-layout{grid-template-columns:1fr;gap:30px}.toc{position:static;padding:18px 20px;background:var(--pale);border-top:0;border-radius:10px}.toc ol{display:grid;grid-template-columns:1fr 1fr;gap:0 15px;margin-bottom:0}.toc .button{display:none}.article-hero{padding-bottom:25px}.article-hero h1{font-size:2.7rem}.article-body h2{font-size:27px}.footer-top{grid-template-columns:1fr 1fr;gap:30px}.footer-top>div:first-child{grid-column:1/-1}.mobile-sticky{position:fixed;bottom:0;left:0;right:0;z-index:30;background:#fff;padding:10px 16px calc(10px + env(safe-area-inset-bottom));border-top:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;gap:12px;box-shadow:0 -3px 16px #15214c09}.mobile-sticky span{font-size:13px;font-weight:700;line-height:1.3}.mobile-sticky small{display:block;font-size:10px;color:var(--muted);font-weight:400;margin-top:4px}.mobile-sticky .button{font-size:13px;padding:11px 15px;min-height:44px}body.has-sticky{padding-bottom:88px}.disclosure{font-size:11px;line-height:1.5;padding:8px 16px}}@media(max-width:480px){.hero h1{font-size:3.2rem}.cards{grid-template-columns:1fr}.hero-visual img{width:245px}.hero-note{font-size:12px;gap:15px}.button-row .button{flex:1;padding:14px 10px;font-size:13px}.hero .fine{font-size:12px}.toc ol{grid-template-columns:1fr}.article-hero h1{font-size:2.4rem}.quick{padding:20px}.fact-list div{grid-template-columns:110px 1fr;gap:12px}.article-body p{font-size:16px}.footer-top{gap:25px}.breadcrumbs{font-size:11px}.section-head p{font-size:15px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}@media print{.site-header,.disclosure,.toc,.mobile-sticky,.site-footer,.button,.related{display:none!important}.article-layout{display:block}.wrap{max-width:none;padding:0}.section{padding:20px 0}body{font-size:12pt;color:black}a{color:inherit}.hero-grid,.split{display:block}.hero-visual{display:none}}
@media(max-width:480px){.hero-grid{padding-top:30px;gap:16px}.hero h1{font-size:3rem}.hero-lead{font-size:17px;line-height:1.6}.hero-note{display:none}.hero-visual img{width:205px}.hero .button-row{margin-top:22px}.hero-visual{padding:4px 25px 0}}