:root{--bg:#f2f4f6;--paper:#ffffff;--ink:#132335;--muted:#647180;--line:#d8dee5;--navy:#0d2740;--copper:#b66f3b;--copper2:#d59b70;--soft:#e9eef3;--green:#246b5a;--shadow:0 12px 35px rgba(18,35,53,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;line-height:1.72;font-size:16px}a{color:#164f76;text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:#0b3551}.wrap{width:min(1200px,calc(100% - 42px));margin:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;padding:10px;z-index:100}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:60}.nav-row{height:72px;display:flex;align-items:center;gap:26px}.brand{color:var(--navy);text-decoration:none;display:flex;flex-direction:column;min-width:210px}.brand strong{font-size:20px;letter-spacing:.7px;line-height:1;font-weight:850}.brand small{font-size:9px;letter-spacing:2.4px;text-transform:uppercase;color:var(--copper);font-weight:800;margin-top:6px}.desktop-nav{margin-left:auto;display:flex;align-items:center;gap:4px}.desktop-nav>a,.nav-drop>button{height:72px;padding:0 13px;border:0;background:transparent;color:var(--ink);font:700 13px/1 inherit;text-decoration:none;display:flex;align-items:center;cursor:pointer;white-space:nowrap}.desktop-nav>a:hover,.nav-drop:hover>button,.desktop-nav>a.active,.nav-drop.active>button{background:#f5f7f9;color:var(--copper)}.nav-drop{position:relative}.nav-drop>button:after{content:'+';margin-left:7px;color:var(--copper);font-size:14px}.mega{display:none;position:absolute;top:72px;left:0;width:520px;background:#fff;border:1px solid var(--line);border-top:3px solid var(--copper);box-shadow:var(--shadow);padding:18px;grid-template-columns:1fr 1fr;gap:4px 14px}.nav-drop:hover .mega,.nav-drop:focus-within .mega{display:grid}.mega a{padding:9px 10px;text-decoration:none;color:var(--ink);font-weight:650;font-size:13px}.mega a:hover{background:var(--soft)}.nav-cta{border:1px solid var(--copper)!important;height:38px!important;margin-left:5px!important}.mobile-toggle{display:none;margin-left:auto;background:var(--navy);color:#fff;border:0;width:44px;height:40px;font-size:20px}.mobile-panel{display:none;background:#fff;border-top:1px solid var(--line);padding:12px 20px 20px}.mobile-panel.open{display:block}.mobile-panel a,.mobile-panel summary{display:block;padding:10px 2px;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink);font-weight:700}.mobile-panel details a{padding-left:16px;font-weight:500}
.hero{background:linear-gradient(120deg,#e6ebef 0%,#f7f8f9 64%,#f2e8e0 100%);border-bottom:1px solid var(--line);padding:50px 0}.hero-grid{display:grid;grid-template-columns:minmax(0,1.04fr) minmax(390px,.96fr);gap:54px;align-items:center}.hero .eyebrow{font-size:11px;letter-spacing:2.2px;text-transform:uppercase;color:var(--copper);font-weight:850;margin:0 0 10px}.hero h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(38px,4.5vw,61px);line-height:1.04;letter-spacing:-1px;margin:0 0 18px;color:#10283d}.hero .lede{font-size:18px;color:#4e5d6a;max-width:710px;margin:0 0 24px}.hero-actions{display:flex;flex-wrap:wrap;gap:10px}.button{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 18px;text-decoration:none;text-transform:uppercase;font-size:12px;font-weight:850;letter-spacing:.6px;border:1px solid transparent}.button-primary{background:var(--navy);color:#fff}.button-primary:hover{background:#173c5c;color:#fff}.button-secondary{border-color:#8a98a5;color:var(--ink);background:#fff}.hero-image{position:relative;border-left:6px solid var(--copper)}.hero-image img{width:100%;display:block;aspect-ratio:16/9;object-fit:cover}.hero-badge{position:absolute;bottom:14px;left:14px;background:rgba(13,39,64,.92);color:#fff;padding:8px 11px;font-size:11px;letter-spacing:1px;text-transform:uppercase;font-weight:800}
.breadcrumbs{font-size:12px;color:#798590;padding:15px 0}.layout{display:grid;grid-template-columns:minmax(0,820px) minmax(250px,300px);gap:45px;padding:38px 0 70px}.article{background:#fff;border-top:4px solid var(--navy);padding:clamp(25px,4vw,46px);box-shadow:0 4px 18px rgba(18,35,53,.04)}.article h2{font-family:Georgia,serif;font-size:30px;line-height:1.2;margin:38px 0 14px;color:#122c43}.article h2:first-child{margin-top:0}.article h3{font-size:19px;margin:27px 0 9px}.article p{margin:0 0 17px}.article ul,.article ol{margin:0 0 22px;padding-left:24px}.article li{margin:7px 0}.lab-note{border-left:4px solid var(--copper);background:#f6f2ee;padding:17px 19px;margin:22px 0}.lab-note strong{color:#713e1d}.lab-note p{margin:4px 0 0}.table-wrap{overflow-x:auto;margin:22px 0 28px;border:1px solid var(--line)}table{width:100%;border-collapse:collapse;font-size:14px;min-width:590px}th,td{padding:12px 13px;border-bottom:1px solid var(--line);vertical-align:top;text-align:left}th{background:var(--navy);color:#fff;font-size:12px;text-transform:uppercase;letter-spacing:.5px}tr:last-child td{border-bottom:0}tr:nth-child(even) td{background:#f8fafb}.steps{counter-reset:step;list-style:none;padding:0!important}.steps li{counter-increment:step;position:relative;padding:0 0 17px 46px;border-bottom:1px solid var(--line);margin-bottom:16px}.steps li:before{content:counter(step);position:absolute;left:0;top:0;width:30px;height:30px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:12px}.choice-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin:22px 0 30px}.choice-grid a{background:#fff;padding:20px;text-decoration:none;color:var(--ink);min-height:190px}.choice-grid a:hover{background:#f7f9fa}.choice-kicker{display:block;font-size:10px;text-transform:uppercase;letter-spacing:1.2px;color:var(--copper);font-weight:800;margin-bottom:8px}.choice-grid strong{display:block;font-size:20px;font-family:Georgia,serif;margin-bottom:7px}.choice-grid p{font-size:13px;color:var(--muted);margin:0}
.sidebar{align-self:start;position:sticky;top:94px}.side-block{background:#fff;border-top:3px solid var(--copper);padding:20px;margin-bottom:18px}.side-block h2,.side-block h3{font-size:15px;text-transform:uppercase;letter-spacing:.7px;margin:0 0 12px;color:var(--navy)}.side-block a{display:block;padding:8px 0;border-top:1px solid var(--line);text-decoration:none;font-size:13px;font-weight:650}.side-block a:first-of-type{border-top:0}.side-block p{font-size:13px;color:var(--muted)}
.site-footer{background:#10283d;color:#c9d2da;padding:44px 0 25px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}.site-footer .brand{color:#fff}.site-footer h3{color:#fff;font-size:12px;text-transform:uppercase;letter-spacing:1px;margin:0 0 10px}.site-footer a{color:#d5dce2;text-decoration:none;display:block;font-size:13px;padding:4px 0}.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:26px;padding-top:17px;font-size:11px;color:#92a3b0}
@media(max-width:1000px){.desktop-nav{display:none}.mobile-toggle{display:block}.hero-grid{grid-template-columns:1fr}.hero-image{max-width:760px}.layout{grid-template-columns:1fr}.sidebar{position:static}.choice-grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.wrap{width:min(100% - 28px,1200px)}.hero{padding:34px 0}.hero h1{font-size:37px}.hero .lede{font-size:16px}.article{padding:24px 19px}.article h2{font-size:26px}.choice-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.brand{min-width:0}.brand strong{font-size:17px}.brand small{letter-spacing:1.5px}.hero-image{border-left-width:4px}.nav-row{height:66px}}