@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Libre+Baskerville:ital,wght@0,400;0,700;1,400&display=swap');
:root{--ink:#1d355c;--deep:#223b6b;--cream:#f4f7fd;--paper:#fffefd;--gold:#ffbd80;--mute:#5c6b83;--line:#dce4f1}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:#2a3d5e;background:var(--paper);font-family:'DM Sans',Arial,sans-serif;font-size:16px;line-height:1.65}a{color:#24589c}a:hover{text-decoration:none}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.16;color:var(--ink)}h1,h2{font-family:'Libre Baskerville',Georgia,serif;letter-spacing:-.035em}h1{font-size:clamp(2.7rem,5.7vw,5.6rem);max-width:740px}h2{font-size:clamp(2rem,3.2vw,3rem)}h3{font-size:1.38rem}p{max-width:72ch}.shell{width:min(1180px,calc(100% - 48px));margin-inline:auto}.site-header{background:var(--paper);border-bottom:1px solid var(--line)}.header-inner{min-height:86px;display:flex;align-items:center;justify-content:space-between;gap:20px}.wordmark{font-weight:700;font-size:1.13rem;letter-spacing:-.055em;color:var(--ink);text-decoration:none;white-space:nowrap}.wordmark span{color:#416cb0}.wordmark .dot{color:#eaa146}.site-header nav{display:flex;gap:clamp(15px,2.4vw,34px);align-items:center}.site-header nav a{font-size:.91rem;font-weight:700;text-decoration:none;color:var(--ink)}.site-header nav a:hover{color:#b77730}.hero{background:#edf4ff;color:var(--ink);position:relative;overflow:hidden}.hero:before{content:"";position:absolute;inset:auto -130px -350px auto;width:750px;height:750px;border:1px solid #ffffff22;border-radius:50%;box-shadow:0 0 0 80px #ffffff08,0 0 0 160px #ffffff06}.hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,1.2fr) minmax(300px,.8fr);gap:8%;align-items:center;padding:110px 0 116px}.eyebrow{font-size:.77rem;letter-spacing:.19em;font-weight:700;color:#ffbd80;margin-bottom:22px}.eyebrow.dark{color:#9d5618}.hero h1{color:var(--ink)}.page-hero h1{color:#fff}.hero h1 em{font-style:italic;color:var(--gold)}.lead{font-size:1.27rem;line-height:1.55;color:#536783;max-width:580px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:34px 0 19px}.button{display:inline-flex;align-items:center;justify-content:center;min-height:52px;border-radius:6px;padding:11px 22px;font-weight:700;text-decoration:none;line-height:1.3}.button.gold{background:#ec8e55;color:#172e51}.button.outline{border:1px solid #7590b8;color:#243d69}.button.dark{background:var(--ink);color:#fff}.button:hover{filter:brightness(1.09)}.hero-note{color:#64748b;font-size:.85rem;max-width:460px}.hero-card{background:#fffdf8;color:var(--ink);border-radius:12px;box-shadow:20px 30px 70px #05394555;padding:28px 30px}.card-top{display:flex;justify-content:space-between;gap:10px;align-items:center;padding-bottom:18px;border-bottom:1px solid #d7e0d7;font-size:.78rem;letter-spacing:.12em;font-weight:700}.small-badge{color:#7d968e}.check-row{display:flex;align-items:flex-start;gap:18px;padding:22px 0;border-bottom:1px solid #d7e0d7}.check-row strong,.check-row small{display:block}.check-row small{font-size:.88rem;color:#667a73;margin-top:4px}.check-icon{width:30px;height:30px;border-radius:50%;background:#dcebe1;color:#20705c;display:grid;place-items:center;flex:none;font-weight:700}.card-foot{padding-top:19px;font-size:.84rem;color:#657b73}.trust-strip{background:#fff1e7}.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:25px;padding:23px 0}.trust-grid>div{display:flex;flex-direction:column;border-left:3px solid #e88d5b;padding-left:18px}.trust-grid b{font-size:.92rem}.trust-grid span{font-size:.82rem;color:#5d756b}.section{padding-block:88px}.section-heading{display:flex;justify-content:space-between;gap:32px;align-items:end;margin-bottom:30px}.section-heading h2{margin:0}.section-heading p{color:var(--mute);max-width:300px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.topic-card{border:1px solid var(--line);background:#fff;min-height:280px;padding:31px;text-decoration:none;color:var(--ink);display:flex;flex-direction:column;transition:transform .2s,border-color .2s,box-shadow .2s}.topic-card:hover{transform:translateY(-4px);border-color:#8cafa1;box-shadow:0 15px 25px #0a382313}.topic-number{font-family:Georgia,serif;font-size:1.45rem;color:#be8444;margin-bottom:26px}.topic-card h3{margin-bottom:10px}.topic-card p{font-size:.95rem;color:#586e67}.text-link{margin-top:auto;color:#1f705c;font-weight:700;font-size:.92rem}.feature{background:#f3f6ff;padding:85px 0}.feature-grid{display:grid;grid-template-columns:1fr .8fr;gap:13%;align-items:center}.feature p{font-size:1.08rem;color:#526b63}.inline-link{font-weight:700}.note-panel{background:#e6edfb;border-radius:8px;padding:37px;border-left:4px solid #6e8fc7}.panel-label{font-size:.77rem;color:#557a66;font-weight:700;letter-spacing:.13em}.note-panel p{font-family:Georgia,serif;font-size:1.55rem;line-height:1.4;color:var(--ink);margin:18px 0}.note-panel a{font-size:.85rem}.narrow-callout{display:flex;align-items:center;justify-content:space-between;gap:30px}.narrow-callout h2{margin-bottom:12px}.narrow-callout p{color:var(--mute);margin-bottom:0}.narrow-callout .button{flex:none}.page-hero{background:linear-gradient(125deg,#233b6b,#3963a1);color:#edf3ff;padding:82px 0}.page-hero h1{font-size:clamp(2.6rem,5vw,4.5rem);margin-bottom:18px}.page-hero p{font-size:1.17rem;max-width:680px}.article{display:grid;grid-template-columns:minmax(0,750px) minmax(220px,280px);gap:9%;padding-block:78px}.article-main h2{font-size:1.8rem;margin-top:43px}.article-main p,.prose p{line-height:1.85;color:#475e57}.article-main .intro{font-size:1.2rem;color:#26483e}.article-callout,.disclosure-box{background:#eef3fc;border-left:4px solid #7194cc;padding:22px 27px;margin:40px 0}.article-callout p,.disclosure-box p{margin:7px 0 0}.article-aside{align-self:start;background:#f3f6fc;padding:28px;position:sticky;top:20px}.article-aside ul{padding-left:21px;color:#4e655a}.article-aside li{margin:10px 0}.article-aside a{font-weight:700}.prose{max-width:800px;padding-block:70px 90px}.prose h2{font-size:1.7rem;margin:42px 0 12px}.prose h2:first-child{margin-top:0}.compare-intro{max-width:850px}.compare-intro p{font-size:1.1rem;color:#4c665e}.table-wrap{overflow-x:auto;margin:32px 0 55px}table{width:100%;min-width:620px;border-collapse:collapse;text-align:left}th{background:var(--ink);color:#fff}td,th{padding:18px;border:1px solid #dce5db;vertical-align:top}tbody tr:nth-child(even){background:#f3f6f0}td:first-child{font-weight:700}.compare-questions{max-width:850px}.compare-questions li{margin:15px 0;padding-left:5px}footer{background:#1d3155;color:#dce5f5;padding:60px max(24px,calc((100% - 1180px)/2)) 25px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:50px}.footer-grid .wordmark{color:#f2f7ee}.footer-grid p{font-size:.88rem;max-width:350px;margin-top:17px}.footer-grid>div:not(:first-child){display:flex;flex-direction:column;gap:8px}.footer-grid strong{color:#f6f4e8;margin-bottom:10px}.footer-grid a:not(.wordmark){color:#c0d6cc;text-decoration:none;font-size:.89rem}.footer-grid a:hover{text-decoration:underline}.footer-bottom{border-top:1px solid #35534b;margin-top:54px;padding-top:22px;font-size:.8rem;color:#a7c0b5}@media(max-width:850px){.hero-grid,.feature-grid{grid-template-columns:1fr;gap:45px}.hero-grid{padding:70px 0}.hero-card{transform:none;max-width:540px}.article{grid-template-columns:1fr}.article-aside{position:static}.section-heading{display:block}.cards{grid-template-columns:1fr 1fr}.trust-grid{gap:12px}}@media(max-width:650px){.shell{width:min(100% - 32px,1180px)}.header-inner{align-items:flex-start;flex-direction:column;padding:17px 0;gap:12px}.site-header nav{width:100%;overflow:auto;gap:20px;white-space:nowrap}.site-header nav a{font-size:.84rem}.hero-grid{padding:60px 0}.hero h1{font-size:3rem}.trust-grid,.cards,.footer-grid{grid-template-columns:1fr}.trust-grid{gap:16px}.section{padding-block:58px}.topic-card{min-height:230px}.feature{padding:58px 0}.narrow-callout{align-items:flex-start;flex-direction:column}.page-hero{padding:60px 0}.article,.prose{padding-block:50px}.footer-grid{gap:30px}footer{padding-top:50px}}
.checklist-layout{display:grid;grid-template-columns:minmax(0,760px) minmax(220px,280px);gap:9%;padding-block:70px}.checklist-group{padding:0 0 28px;border-bottom:1px solid var(--line);margin-bottom:35px}.checklist-group h2{font-size:1.65rem}.checklist-group label{display:flex;gap:14px;align-items:flex-start;margin:16px 0;line-height:1.45;cursor:pointer}.checklist-group input{width:21px;height:21px;flex:none;accent-color:#276d58;margin:1px 0}.glossary-grid{display:grid;grid-template-columns:1fr 1fr;gap:9%}.glossary h2{font-size:1.9rem}.glossary dt{font-weight:700;color:var(--ink);margin-top:20px}.glossary dd{margin:5px 0 0;color:#52685e}.glossary details{border-bottom:1px solid var(--line);padding:17px 0}.glossary summary{font-weight:700;color:var(--ink);cursor:pointer}.glossary details p{margin:12px 0;color:#52685e}@media(max-width:850px){.checklist-layout{grid-template-columns:1fr}.glossary-grid{grid-template-columns:1fr;gap:30px}}.hero-grid{grid-template-columns:minmax(0,1fr) minmax(360px,.95fr);gap:5%;padding:82px 0 86px}.hero h1 em{color:#c36c3f}.hero-visual{margin:0;position:relative;overflow:hidden;border-radius:14px;box-shadow:0 24px 55px #263b6026;background:#dbe5f4}.hero-visual img{display:block;width:100%;height:420px;object-fit:cover;object-position:68% center}.hero-visual figcaption{position:absolute;inset:auto 0 0;background:linear-gradient(transparent,#172d50bb);color:#fff;padding:38px 20px 17px;font-size:.82rem}.hero:before{border-color:#5d80bd22;box-shadow:0 0 0 80px #6889bd09,0 0 0 160px #6889bd06}.button.gold:hover{background:#f8a16a;filter:none}.check-icon{background:#e0eafa;color:#315fa3}.topic-number{color:#bf7247}.text-link{color:#285a9c}.panel-label{color:#315d9b}.article-main p,.prose p{color:#4f5d76}.article-main .intro{color:#304665}.footer-grid a:not(.wordmark){color:#d3e1f3}.footer-bottom{border-top-color:#455c82;color:#cad8eb}@media(max-width:850px){.hero-grid{grid-template-columns:1fr;gap:38px;padding:60px 0}.hero-visual{max-width:660px}}@media(max-width:650px){.hero-grid{padding:45px 0}.hero-visual img{height:290px}.hero-visual figcaption{font-size:.76rem}.hero h1{font-size:clamp(2.55rem,10vw,3rem)}}@media print{header,footer,.print-button,.article-aside{display:none!important}body{background:white;color:black}.page-hero{background:white;padding:15px 0;color:black}.page-hero h1,.page-hero p{color:black}.checklist-layout{display:block;padding:20px 0}.checklist-group{break-inside:avoid}}

/* Home page: deep navy surfaces and clear, warm accents. */
.hero{background:linear-gradient(125deg,#142746 0%,#1d3965 62%,#274b7c 100%);color:#fff}
.hero h1{color:#fff}
.hero h1 em{color:#ffbf91}
.hero .eyebrow{color:#ffca9f}
.hero .lead{color:#e4edfa}
.hero .hero-note{color:#d3e1f3}
.hero .button.gold{background:#ffb17f;color:#172b4a}
.hero .button.gold:hover{background:#ffca9f}
.hero .button.outline{border-color:#c7d8ef;color:#fff;background:#ffffff12}
.hero .button.outline:hover{background:#ffffff27}
.hero:before{border-color:#ffffff20;box-shadow:0 0 0 80px #ffffff08,0 0 0 160px #ffffff05}
.hero-visual{border:2px solid #d8e5f5;box-shadow:0 30px 60px #091a36a8}
.hero-visual figcaption{background:linear-gradient(transparent,#101f3bea);font-size:.88rem}
.trust-strip{background:#233e68;color:#fff}
.trust-grid>div{border-left-color:#ffb17f}
.trust-grid span{color:#dbe7f7}
.feature{background:#213b65;color:#ecf3ff}
.feature h2{color:#fff}
.feature .eyebrow.dark{color:#ffc498}
.feature-grid>div:first-child>p{color:#e0eaf9}
.feature .inline-link{color:#ffca9f}
.feature .note-panel{background:#fff;color:#243758;border-color:#e3eaf4}
.feature .note-panel p{color:#354866}
.feature .note-panel a{color:#24589c}