:root{color:#171717;font-synthesis:none;--ink:#171717;--body:#454545;--line:#dedede;--blue:#075bbb;--soft:#f0f5fc;--green:#176b4b;background:#fafafa;font-family:Arial,Helvetica,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth;overflow-x:clip}body{overflow-wrap:break-word;margin:0;font-size:18px;line-height:1.6}a{color:var(--blue);text-underline-offset:3px}a:hover{text-decoration-thickness:2px}button,input,select{font:inherit}button{cursor:pointer}button:disabled{cursor:not-allowed;opacity:.5}:focus-visible{outline-offset:3px;outline:3px solid #086ee2}h1,h2,h3,p{margin-top:0}h1,h2,h3{letter-spacing:-.035em;text-wrap:balance;line-height:1.15}h1{max-width:14ch;font-size:clamp(2.1rem,5.5vw,4.5rem)}h2{font-size:clamp(1.8rem,3vw,2.7rem)}h3{font-size:1.35rem}.wrap{width:min(1160px,100% - 40px);margin-inline:auto}.narrow{width:min(800px,100% - 40px);margin-inline:auto}.skip-link{z-index:20;background:#fff;padding:10px;position:absolute;top:-80px;left:12px}.skip-link:focus{top:10px}.site-header{border-bottom:1px solid var(--line);z-index:10;background:#fafafaf7;position:relative}.nav-inner{align-items:center;gap:24px;min-height:74px;display:flex}.brand{color:var(--ink);letter-spacing:-.04em;align-items:center;gap:10px;min-width:180px;font-size:15px;line-height:1.06;text-decoration:none;display:inline-flex}.brand strong{font-size:20px}.brand-mark{background:var(--ink);color:#fff;border-radius:11px;flex:none;place-items:center;width:38px;height:38px;font-size:26px;font-weight:400;display:grid}.desktop-nav{gap:6px;margin-left:auto;display:flex}.desktop-nav a{color:#333;border-radius:8px;padding:11px 13px;font-size:15px;font-weight:600;text-decoration:none}.desktop-nav a:hover{background:#eee}.nav-cta,.button{background:var(--ink);color:#fff;border:1px solid var(--ink);text-align:center;border-radius:999px;justify-content:center;align-items:center;min-height:50px;padding:10px 20px;font-size:16px;font-weight:700;line-height:1.25;text-decoration:none;display:inline-flex}.button:hover,.nav-cta:hover{color:#fff;background:#333}.button.secondary{color:var(--ink);background:#fff;border-color:#aaa}.button.secondary:hover{background:#f4f4f4}.button.small{min-height:44px;padding:8px 15px}.mobile-menu{flex:none;margin-left:auto;display:none}.mobile-menu summary{cursor:pointer;border:1px solid #bdbdbd;border-radius:9px;align-items:center;gap:9px;min-height:44px;padding:9px 15px;font-weight:700;list-style:none;display:flex}.mobile-menu summary:after{content:"+";font-size:20px;line-height:1}.mobile-menu[open] summary:after{content:"−"}.mobile-menu summary::-webkit-details-marker{display:none}.mobile-menu nav{border-bottom:1px solid var(--line);background:#fff;grid-template-columns:repeat(2,minmax(0,1fr));gap:4px;padding:12px max(20px,50vw - 580px);display:grid;position:absolute;top:100%;left:0;right:0;box-shadow:0 12px 24px #00000012}.mobile-menu nav a{min-height:44px;color:var(--ink);border-radius:7px;align-items:center;padding:10px 12px;font-weight:600;text-decoration:none;display:flex}.mobile-menu nav a:hover{background:#f1f5fa}.breadcrumbs{color:#666;flex-wrap:wrap;align-items:center;gap:9px;padding-block:18px;font-size:14px;display:flex}.breadcrumbs a{color:#444}.hero{background:radial-gradient(at 75% 10%,#d7e8fa 0,#0000 36%),radial-gradient(at 92% 70%,#f9e8d3 0,#0000 29%),#fafafa;padding:85px 0 80px}.hero-grid{grid-template-columns:minmax(0,1.12fr) minmax(320px,.88fr);align-items:center;gap:60px;display:grid}.eyebrow{color:var(--blue);letter-spacing:.025em;margin-bottom:16px;font-size:14px;font-weight:700}.hero h1{margin-bottom:25px}.lead{color:var(--body);max-width:58ch;font-size:clamp(1.12rem,2vw,1.35rem);line-height:1.55}.actions{flex-wrap:wrap;gap:12px;margin:29px 0 15px;display:flex}.muted{color:#626262}.tiny{font-size:14px}.hero-panel,.card,.study-card,.info-box{border:1px solid var(--line);background:#fff;border-radius:16px;box-shadow:0 1px 2px #00000006}.hero-panel{padding:28px}.hero-panel .mini-label{color:#656565;font-size:14px}.hero-panel h2{margin:14px 0 18px;font-size:1.35rem}.panel-choice{color:var(--ink);border-top:1px solid var(--line);padding:16px 0;text-decoration:none;display:block}.panel-choice strong{font-size:19px;display:block}.panel-choice span{color:#666;font-size:15px}.panel-choice:hover strong{color:var(--blue)}.section{padding:76px 0}.section.alt{background:#fff;border-block:1px solid #eee}.section-intro{max-width:750px;margin-bottom:34px}.section-intro p{color:var(--body)}.cards{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;display:grid}.card{flex-direction:column;min-height:220px;padding:26px;display:flex}.card h3{margin:0 0 10px}.card p{color:var(--body);flex:1;font-size:16px}.card a{font-weight:700}.split{grid-template-columns:repeat(2,minmax(0,1fr));align-items:start;gap:45px;display:grid}.pill{background:var(--soft);color:#154b84;vertical-align:middle;border:1px solid #b9cde3;border-radius:999px;max-width:100%;padding:5px 12px;font-size:14px;font-weight:700;display:inline-block}.page-head{padding:38px 0 34px}.page-head h1{max-width:22ch;margin-bottom:17px}.page-head .lead{margin-bottom:0}.article{max-width:760px}.article h2{margin-top:42px;font-size:1.75rem}.article h3{margin-top:30px}.article li{margin:8px 0}.article p,.article li{color:#393939}.info-box{background:#f5f8fc;margin:28px 0;padding:22px}.info-box p:last-child{margin-bottom:0}.link-list{gap:10px;display:grid}.link-list a{border:1px solid var(--line);color:var(--ink);background:#fff;border-radius:9px;padding:15px 18px;text-decoration:none;display:block}.link-list a:hover{border-color:var(--blue);color:var(--blue)}.question-list{gap:10px;margin:0;padding:0;list-style:none;display:grid}.question-list li{border:1px solid var(--line);content-visibility:auto;contain-intrinsic-size:auto 95px;background:#fff;border-radius:11px;padding:18px 20px}.question-list a{color:var(--ink);font-weight:700}.question-list p{color:#555;margin:8px 0 0;font-size:16px}.topic-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;display:grid}.topic-grid a{border:1px solid var(--line);min-width:0;color:var(--ink);background:#fff;border-radius:11px;padding:20px;font-weight:700;text-decoration:none;display:block}.topic-grid a span{color:#666;font-size:15px;font-weight:400;display:block}.ad-slot{color:#777;border-block:1px solid #ececec;justify-content:center;align-items:center;min-height:120px;margin:42px auto;font-size:13px;display:flex}.site-footer{border-top:1px solid var(--line);background:#f1f1f1;margin-top:70px;padding:50px 0 22px}.footer-grid{grid-template-columns:minmax(0,2fr) minmax(0,1fr) minmax(0,1fr);gap:45px;display:grid}.footer-grid h2{margin-bottom:14px;font-size:16px}.footer-grid a:not(.brand){color:#444;margin:8px 0;font-size:15px;display:block}.footer-grid p{color:#555;max-width:43ch;margin:16px 0 0;font-size:15px}.footer-grid .disclaimer{color:#444;font-weight:700}.footer-bottom{color:#666;border-top:1px solid #ddd;justify-content:space-between;gap:20px;margin-top:34px;padding-top:20px;font-size:13px;display:flex}.footer-bottom a{color:#555}.field{gap:8px;margin:18px 0;display:grid}.field label{font-weight:700}.field input,.field select{width:100%;max-width:440px;min-height:50px;color:var(--ink);background:#fff;border:1px solid #999;border-radius:8px;padding:10px 13px}.result{background:#f0f5fc;border:1px solid #b9cde3;border-radius:12px;margin-top:24px;padding:22px}.result[hidden],[hidden]{display:none!important}@media (width<=900px){.desktop-nav,.nav-cta{display:none}.mobile-menu{display:block}.hero-grid,.split{grid-template-columns:minmax(0,1fr)}.hero-grid{gap:35px}.cards{grid-template-columns:repeat(2,minmax(0,1fr))}.footer-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:32px}.footer-grid>div:first-child{grid-column:1/-1}.hero{padding:60px 0}}@media (width<=600px){body{font-size:17px}.wrap,.narrow{width:calc(100% - 32px)}.nav-inner{gap:10px;min-height:66px}.brand{gap:8px;min-width:0;font-size:13px}.brand strong{font-size:18px}.brand-mark{width:34px;height:34px;font-size:23px}.mobile-menu summary{padding:8px 12px}.mobile-menu nav{grid-template-columns:1fr;max-height:calc(100dvh - 66px);padding:10px 16px;overflow-y:auto}.mobile-menu nav a{padding-inline:12px}.hero-grid,.split,.cards,.topic-grid,.footer-grid{grid-template-columns:minmax(0,1fr)}.footer-grid>div:first-child{grid-column:auto}.section{padding:52px 0}.hero{padding:42px 0 48px}.hero h1{margin-bottom:18px;font-size:clamp(2.2rem,11vw,3.2rem)}.hero-panel{padding:20px}.actions{grid-template-columns:minmax(0,1fr);margin-top:22px;display:grid}.actions .button{width:100%}.page-head{padding:24px 0}.page-head h1{font-size:clamp(2rem,9vw,3rem)}.card{min-height:0;padding:22px}.question-list li{padding:16px}.question-list .pill{margin:8px 0 0!important}.info-box{padding:17px}.article h2{margin-top:34px;font-size:1.55rem}.footer-grid{gap:28px}.footer-bottom{flex-direction:column;gap:9px}.study-card{padding:20px}.question-nav{gap:12px}.question-nav a{max-width:48%}.field input,.field select{max-width:none}.result{padding:18px}}@media (width<=360px){.wrap,.narrow{width:calc(100% - 24px)}.brand{font-size:12px}.brand strong{font-size:16px}.mobile-menu summary{padding-inline:10px}.pill{padding:4px 9px;font-size:12px}.question-list li{padding:14px}.breadcrumbs{gap:6px;font-size:13px}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}.footer-bottom nav{flex-wrap:wrap;gap:8px 16px;display:flex}.hero-links{flex-wrap:wrap;gap:6px 16px;margin:0 0 8px;font-size:14px;display:flex}.faq-section{background:#f5f8fc;border-block:1px solid #e5ebf3}.faq-section .article>h2:first-child{margin-top:0}.faq-item{border:1px solid var(--line);background:#fff;border-radius:10px;margin:12px 0;overflow:hidden}.faq-item summary{cursor:pointer;color:var(--ink);padding:17px 20px;font-weight:700;line-height:1.4;list-style:none}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";float:right;color:var(--blue);margin-left:16px;font-size:1.25rem;line-height:1}.faq-item[open] summary:after{content:"−"}.faq-item[open] summary{border-bottom:1px solid var(--line)}.faq-item p{color:#393939;margin:0;padding:16px 20px;font-size:16px}