:root{--paper:#f4efdf;--ink:#171713;--cobalt:#174ea6;--tomato:#df3f28;--moss:#63783c;--line:#b7b09f;--white:#fffdf6;--rail:1240px;--content:1120px;--shadow:0 18px 44px rgba(23,23,19,.14)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.55}img{display:block;max-width:100%;height:auto}a{color:var(--cobalt);text-underline-offset:.18em}a:hover{text-decoration-thickness:2px}button,a{font:inherit}button:focus-visible,a:focus-visible,summary:focus-visible{outline:3px solid var(--tomato);outline-offset:3px}.skip-link{position:fixed;left:1rem;top:-5rem;z-index:50;background:var(--white);padding:.75rem 1rem}.skip-link:focus{top:1rem}.ad-strip{background:var(--ink);color:var(--white);text-align:center;font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;padding:.35rem}.site-header{max-width:var(--rail);margin:auto;min-height:82px;padding:0 28px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid var(--line);background:var(--paper)}.wordmark{font:700 clamp(2rem,4vw,3rem)/1 Georgia,"Times New Roman",serif;color:var(--ink);text-decoration:none}.main-nav{display:flex;gap:1.5rem;align-items:center}.main-nav a{color:var(--ink);text-decoration:none;font-weight:700}.main-nav a:hover{color:var(--cobalt)}.menu-toggle{display:none;background:none;border:1px solid var(--ink);padding:.5rem .75rem}.hero{max-width:var(--rail);margin:0 auto;position:relative;min-height:620px;background:#d6d0c2;overflow:hidden}.hero__media{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}.hero__copy{position:absolute;left:4%;top:50%;transform:translateY(-50%);width:min(43%,530px);background:rgba(255,253,246,.96);padding:clamp(28px,3.5vw,50px);box-shadow:var(--shadow);border-top:5px solid var(--cobalt)}h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.08;margin-top:0}h1{font-size:clamp(2.6rem,5vw,4rem);letter-spacing:-.035em;margin-bottom:1rem}h2{font-size:clamp(2rem,4vw,3rem);letter-spacing:-.025em;margin-bottom:.75rem}h3{font-size:1.45rem}.eyebrow,.chapter{font-size:.77rem;letter-spacing:.16em;text-transform:uppercase;font-weight:800;color:var(--cobalt);margin:0 0 .75rem}.chapter--red{color:var(--tomato)}.lede{font:1.2rem/1.5 Georgia,"Times New Roman",serif;max-width:720px}.micro{font-size:.78rem;color:#57564e;margin:.75rem 0 0}.button{display:inline-flex;align-items:center;justify-content:center;border:2px solid var(--tomato);background:var(--tomato);color:#fff;text-decoration:none;font-weight:800;padding:.82rem 1.1rem;border-radius:4px;cursor:pointer}.button:hover{background:#bd2f1d;border-color:#bd2f1d}.button--secondary{background:transparent;color:var(--ink);border-color:var(--ink)}.chapter-nav{max-width:var(--rail);margin:auto;background:var(--cobalt);display:flex;overflow:auto}.chapter-nav a{color:#fff;text-decoration:none;white-space:nowrap;padding:.8rem 1.25rem;border-right:1px solid rgba(255,255,255,.3);font-weight:700;font-size:.84rem}.section{max-width:var(--content);margin:0 auto;padding:80px 24px;border-bottom:1px solid var(--line)}.section-heading{max-width:770px;margin-bottom:36px}.section-heading>p:last-child{font-size:1.08rem}.bento{display:grid;grid-template-columns:repeat(12,1fr);gap:18px}.bento .section-heading{grid-column:1/-1}.card{grid-column:span 4;background:var(--white);border:1px solid var(--line);padding:28px;min-height:230px}.card--blue{grid-column:span 5;background:var(--cobalt);color:#fff}.card--wide{grid-column:span 7}.card--figure{grid-column:span 5;margin:0}.card__index{display:block;font-weight:800;color:var(--tomato);margin-bottom:2rem}.card--blue .card__index{color:#fff}.editorial-figure{align-self:start;margin:26px 0 0}.editorial-figure img{width:100%;height:auto;border-radius:4px}.editorial-figure figcaption{font:italic .9rem/1.45 Georgia,"Times New Roman",serif;border-left:3px solid var(--moss);padding:.75rem 1rem}.card--figure figcaption{background:var(--white);margin:0}.ledger{display:grid;grid-template-columns:1.25fr .75fr;gap:36px;align-items:start}.ledger .section-heading,.ledger .table-wrap{grid-column:1}.ledger .editorial-figure{grid-column:2;grid-row:1/3;margin-top:0}.table-wrap{overflow:auto;border-top:4px solid var(--cobalt)}table{width:100%;border-collapse:collapse;min-width:640px;background:rgba(255,253,246,.5)}th,td{text-align:left;padding:.85rem;border-bottom:1px solid var(--line);vertical-align:top}th{font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--cobalt)}.offer{background:var(--ink);color:#fff;max-width:var(--rail);display:grid;grid-template-columns:1.2fr .9fr .8fr;gap:38px;align-items:center;border-bottom:0}.offer h2{font-size:clamp(2rem,3.5vw,3.6rem)}.offer__facts{display:grid;gap:.8rem;margin:0}.offer__facts div{border-bottom:1px solid #666;padding-bottom:.65rem}.offer__facts dt{font-size:.74rem;text-transform:uppercase;color:#b5c8ef}.offer__facts dd{margin:0;font-weight:800}.notice-band{display:grid;grid-template-columns:130px 1fr 300px;gap:32px;background:#e6e0ca;max-width:var(--rail)}.notice-band aside{border-left:4px solid var(--moss);padding-left:20px}.fit-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.fit-grid .section-heading{grid-column:1/-1}.fit-grid article{padding:30px;border:1px solid var(--line);background:var(--white)}.checklist,.crosslist{padding:0;list-style:none}.checklist li,.crosslist li{position:relative;padding:.65rem 0 .65rem 2rem;border-bottom:1px solid #ddd}.checklist li:before{content:"✓";position:absolute;left:0;color:var(--moss);font-weight:900}.crosslist li:before{content:"—";position:absolute;left:0;color:var(--tomato);font-weight:900}.cost-strip{max-width:var(--rail);display:grid;grid-template-columns:120px 1fr auto;gap:32px;align-items:center}.big-number{font:700 clamp(2.5rem,5vw,4.8rem)/1 Georgia,"Times New Roman",serif;color:var(--tomato);white-space:nowrap}.tabs{display:grid;grid-template-columns:260px 1fr;column-gap:38px}.tabs .section-heading{grid-column:1/-1}.tabs__list{display:flex;flex-direction:column;border-top:4px solid var(--moss)}.tabs__list button{text-align:left;padding:1rem;background:transparent;border:0;border-bottom:1px solid var(--line);cursor:pointer;font-weight:800}.tabs__list button[aria-selected="true"]{background:var(--moss);color:#fff}.tab-panel{background:var(--white);padding:30px;min-height:180px}.tabs .editorial-figure{grid-column:2}.snapshot{display:grid;grid-template-columns:1fr 1fr auto;gap:32px;align-items:center}.snapshot dl{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin:0}.snapshot dl div{border-top:2px solid var(--cobalt);padding-top:.5rem}.snapshot dt{font-size:.72rem;text-transform:uppercase}.snapshot dd{font-weight:800;margin:0}.article-intro,.document{max-width:var(--content);margin:auto;padding:72px 24px}.article-intro{border-bottom:1px solid var(--line)}.article-intro h1{max-width:900px}.guide-flow .section{position:relative}.drawers details{border-top:1px solid var(--line);background:var(--white)}.drawers details:last-child{border-bottom:1px solid var(--line)}.drawers summary{cursor:pointer;font-family:Georgia,"Times New Roman",serif;font-size:1.3rem;font-weight:700;padding:1.2rem}.drawers details p{max-width:800px;padding:0 1.2rem 1.2rem;margin:0}.decision-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.decision-cards .section-heading{grid-column:1/-1}.decision-cards article{border-top:5px solid var(--cobalt);background:var(--white);padding:24px}.decision-cards article span{color:var(--moss);font-weight:900}.terms-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.terms-grid .section-heading{grid-column:1/-1}.terms-grid article{padding:26px;border:1px solid var(--line)}.timeline{display:grid;grid-template-columns:1fr 1fr;gap:36px}.timeline .section-heading{grid-column:1/-1}.timeline ol{list-style:none;padding:0;margin:0}.timeline li{display:grid;grid-template-columns:56px 1fr;gap:18px;padding:1rem 0;border-top:1px solid var(--line)}.timeline li>span{font-size:1.5rem;color:var(--tomato);font-weight:900}.timeline .editorial-figure{margin:0}.annotation-grid{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line)}.annotation-grid article{padding:24px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}.document{display:grid;grid-template-columns:260px 1fr;column-gap:64px}.document header{grid-column:1/-1;margin-bottom:42px;max-width:900px}.document section{grid-column:2;padding:28px 0;border-top:1px solid var(--line)}.document section h2{font-size:2rem}.document section p{max-width:760px}.site-footer{max-width:var(--rail);margin:auto;border-top:8px solid var(--cobalt);padding:48px 28px 24px;display:grid;grid-template-columns:1fr 1.2fr 1fr;gap:38px;background:#e8e2d2}.site-footer h2{font:800 .78rem/1.2 Arial,sans-serif;text-transform:uppercase;letter-spacing:.12em;color:var(--cobalt)}.footer__nav{display:flex;flex-direction:column;align-items:flex-start}.footer__nav a{margin:.18rem 0}.footer__fine{grid-column:1/-1;border-top:1px solid var(--line);padding-top:1rem;font-size:.76rem}.cookie-panel{position:fixed;z-index:30;left:18px;right:18px;bottom:18px;max-width:900px;margin:auto;background:var(--white);border:2px solid var(--ink);box-shadow:var(--shadow);padding:18px;display:flex;gap:18px;align-items:center;justify-content:space-between}.cookie-panel p{margin:.25rem 0;font-size:.88rem}.cookie-panel>div:last-child{display:flex;gap:.5rem;white-space:nowrap}.cookie-panel[hidden]{display:none}
@media(max-width:900px){.hero{min-height:0}.hero__copy{position:relative;right:auto;top:auto;transform:none;width:calc(100% - 32px);margin:-48px 16px 0;padding:28px}.hero__media{width:100%}.bento{grid-template-columns:1fr 1fr}.bento .section-heading,.card,.card--blue,.card--wide,.card--figure{grid-column:auto}.ledger{grid-template-columns:1fr}.ledger .section-heading,.ledger .table-wrap,.ledger .editorial-figure{grid-column:1;grid-row:auto}.offer{grid-template-columns:1fr}.notice-band{grid-template-columns:1fr}.cost-strip{grid-template-columns:1fr}.tabs{grid-template-columns:1fr}.tabs__list{flex-direction:row;overflow:auto}.tabs .editorial-figure{grid-column:1}.snapshot{grid-template-columns:1fr}.decision-cards{grid-template-columns:1fr 1fr}.timeline{grid-template-columns:1fr}.timeline .section-heading{grid-column:1/-1}.document{grid-template-columns:1fr}.document section{grid-column:1}.site-footer{grid-template-columns:1fr 1fr}.footer__brand{grid-column:1/-1}}
@media(max-width:620px){.site-header{min-height:68px;padding:0 16px}.wordmark{font-size:2rem}.menu-toggle{display:block}.main-nav{display:none;position:absolute;z-index:20;top:98px;left:0;right:0;background:var(--paper);border-bottom:2px solid var(--ink);padding:16px;flex-direction:column;align-items:flex-start}.main-nav.is-open{display:flex}.hero__copy{width:calc(100% - 24px);margin:-24px 12px 0}.hero__copy h1{font-size:2.55rem}.section{padding:56px 18px}.bento,.fit-grid,.terms-grid,.decision-cards{grid-template-columns:1fr}.fit-grid .section-heading,.terms-grid .section-heading,.decision-cards .section-heading{grid-column:1}.offer{padding:52px 20px}.snapshot dl{grid-template-columns:1fr}.notice-band aside{border-left:0;border-top:4px solid var(--moss);padding:18px 0 0}.tabs__list button{white-space:nowrap}.annotation-grid{grid-template-columns:1fr}.document{padding:52px 20px}.document section{padding:24px 0}.site-footer{grid-template-columns:1fr;padding:40px 20px}.footer__brand{grid-column:1}.cookie-panel{flex-direction:column;align-items:stretch}.cookie-panel>div:last-child{white-space:normal;flex-wrap:wrap}.cookie-panel .button{flex:1}.big-number{white-space:normal}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
.audience-strip{max-width:var(--rail);margin:0 auto;padding:48px 28px 40px;background:var(--white);border-bottom:1px solid var(--line)}
.audience-strip__intro{display:grid;grid-template-columns:minmax(240px,.75fr) 1.25fr;column-gap:48px;align-items:start}.audience-strip__intro .chapter{grid-column:1/-1}.audience-strip__intro h2{font-size:clamp(2rem,3.5vw,3.1rem);margin-bottom:0}.audience-strip__intro>p:last-child{margin:0;max-width:680px}
.audience-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:12px;list-style:none;padding:0;margin:34px 0 0}.audience-grid li{padding:20px 18px;background:var(--paper);border-top:4px solid var(--cobalt)}.audience-grid li:nth-child(2n){border-top-color:var(--moss)}.audience-grid li:nth-child(5){border-top-color:var(--tomato)}.audience-grid span{display:block;margin-bottom:1rem;color:var(--tomato);font-weight:900}.audience-grid strong{display:block;font:700 1.2rem/1.12 Georgia,"Times New Roman",serif}.audience-grid p{font-size:.88rem;line-height:1.45;margin:.7rem 0 0}
.audience-strip__note{max-width:900px;margin:24px 0 0;padding:14px 16px;border-left:4px solid var(--tomato);background:#f7eadf;font-size:.88rem}
@media(max-width:900px){.audience-strip__intro{grid-template-columns:1fr}.audience-strip__intro h2{margin-bottom:1rem}.audience-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:620px){.audience-strip{padding:38px 18px 32px}.audience-grid{grid-template-columns:1fr;margin-top:26px}.audience-grid li{padding:18px}.audience-grid span{margin-bottom:.65rem}}