/* Desk: navy navigation, quiet paper surfaces and legible working tables. */
:root{--bg:#eff3f7;--paper:#fff;--ink:#1c334b;--muted:#5a6b7b;--accent:#255eb1;--line:#ccd6e1;--navy:#172d42;--heading:'Segoe UI',Arial,sans-serif;--body:'Segoe UI',Arial,sans-serif;--mono:Consolas,'Courier New',monospace;--radius:6px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.65 var(--body)}a{color:inherit;text-underline-offset:4px}a:hover{color:var(--accent)}button,input,select{font:inherit}button{cursor:pointer}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #bc7819;outline-offset:4px}input,select,button{min-height:44px}input,select{width:100%;padding:10px 12px;color:var(--ink);background:#fff;border:1px solid #b6c5d4;border-radius:5px}button{border:1px solid var(--line);border-radius:5px;background:white;color:var(--ink);padding:10px 16px}[hidden]{display:none!important}h1,h2,h3,p{margin-top:0}h1{font-size:clamp(38px,4.3vw,62px);letter-spacing:-1.8px;line-height:1.08;margin-bottom:24px;font-weight:700}h2{font-size:32px;letter-spacing:-.7px;line-height:1.2;margin-bottom:18px}h3{font-size:21px;line-height:1.35;margin-bottom:12px}p{margin-bottom:18px}small,.small{font-size:13px}.muted{color:var(--muted)}.container{max-width:1280px;margin:auto;padding:0 36px}.skip{position:fixed;top:-100px;z-index:10;background:white;padding:12px}.skip:focus{top:10px}.site-header{background:var(--navy);color:#fff}.header-inner{min-height:82px;display:flex;gap:28px;align-items:center;justify-content:space-between}.brand{font-size:23px;font-weight:700;text-decoration:none;letter-spacing:-.8px;display:flex;align-items:center;gap:12px;white-space:nowrap}.brand-mark{display:flex;align-items:end;gap:3px;height:24px}.brand-mark i{display:block;background:currentColor;width:5px;height:12px}.brand-mark i:nth-child(2){height:18px}.brand-mark i:nth-child(3){height:24px}.primary-nav{display:flex;gap:24px;flex-wrap:wrap}.primary-nav a{font-size:14px;font-weight:600;text-decoration:none;white-space:nowrap}.site-header a:hover{color:#b9d6ff}.demo-strip{font-size:12px;background:#e3ebf4;border-bottom:1px solid var(--line)}.demo-strip .container{display:flex;justify-content:space-between;gap:16px;padding-top:9px;padding-bottom:9px}.breadcrumbs{display:flex;flex-wrap:wrap;gap:9px;font-size:12px;color:var(--muted);margin:28px 0}.breadcrumbs a{text-decoration:none}.eyebrow{display:block;font:700 11px/1.5 var(--body);text-transform:uppercase;letter-spacing:1.6px;margin-bottom:18px;color:var(--muted)}.lead{font-size:19px;color:var(--muted);max-width:740px;line-height:1.6}.intro{padding:28px 0 36px}.intro h1{max-width:960px}.home-hero{display:grid;grid-template-columns:1.2fr .8fr;gap:60px;align-items:center;padding:68px 0 50px}.home-hero h1{font-size:clamp(46px,5vw,70px)}.finder{background:var(--paper);border:1px solid var(--line);padding:30px;border-radius:8px}.finder h2{font-size:27px}.finder label{display:block;margin:13px 0;font-size:13px;font-weight:600}.finder select{margin-top:7px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:14px;background:var(--ink);color:white;border:1px solid var(--ink);padding:12px 18px;border-radius:5px;text-decoration:none;font-size:14px;font-weight:650;min-height:46px}.btn:hover{background:#29465f;color:white}.btn.secondary{background:transparent;color:var(--ink);border-color:var(--line)}.btn-row{display:flex;gap:12px;flex-wrap:wrap}.finder .btn{width:100%;margin-top:8px}.counts{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin:0 0 20px}.counts div{padding:22px 26px;border-right:1px solid var(--line);font-size:13px}.counts div:first-child{padding-left:0}.counts div:last-child{border:0}.counts strong{font-size:36px;display:block;line-height:1.3;letter-spacing:-1px}.section{padding:42px 0;border-top:1px solid var(--line)}.section-head{display:flex;gap:28px;align-items:end;justify-content:space-between;margin-bottom:22px}.section-head h2{margin-bottom:8px}.section-head p{margin-bottom:0;max-width:760px}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:24px 0}.cards.two{grid-template-columns:repeat(2,minmax(0,1fr))}.card{border:1px solid var(--line);border-radius:7px;background:var(--paper);padding:26px;min-width:0}.card p{font-size:14px;color:var(--muted)}.card .number{display:block;font:12px var(--mono);color:var(--muted);margin-bottom:35px}.card .card-link{display:block;margin-top:20px;font-size:14px;font-weight:650}.card dl{margin:16px 0}.card dt{font-size:12px;color:var(--muted)}.card dd{font-size:26px;margin:2px 0 12px;font-weight:650}.tag{display:inline-block;font-size:11px;font-weight:600;padding:4px 8px;background:#e7eff8;border:1px solid #d3dfef;border-radius:3px;margin-bottom:14px}.note{background:#e5edf7;border-left:3px solid #6486b2;padding:17px 20px;margin:24px 0;font-size:14px}.note p:last-child{margin:0}.note.amber{background:#f6efdf;border-color:#a88b4c}.link-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:10px;margin:24px 0}.state-link{padding:14px 14px;background:white;border:1px solid var(--line);border-radius:5px;font-size:14px;text-decoration:none}.state-link span{display:block;font-size:11px;color:var(--muted);margin-top:3px}.state-link[aria-current=page]{background:#dce9f9;border-color:#739bcb}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:7px;background:white;margin:22px 0}table{border-collapse:collapse;width:100%;font-size:14px}caption{text-align:left;padding:18px 20px;font-size:12px;color:var(--muted)}th,td{border-bottom:1px solid var(--line);text-align:left;padding:14px 17px;vertical-align:top}th{font-size:11px;text-transform:uppercase;letter-spacing:.6px;background:#e8eff6;font-weight:700}tr:last-child td{border-bottom:0}.numeric{text-align:right;font-variant-numeric:tabular-nums}.table-wrap a{font-weight:600}.table-wrap td .small{display:block}.table-wrap td small{display:block;color:var(--muted);font-size:11px}.table-wrap .total{font-weight:700;background:#edf3fa}.toolbar{display:flex;align-items:end;gap:18px;flex-wrap:wrap;margin:24px 0}.toolbar label{font-size:12px;font-weight:600;flex:1;min-width:190px;max-width:400px}.toolbar input,.toolbar select{display:block;margin-top:6px}.toolbar p{margin-bottom:11px}.toc{display:flex;gap:8px;flex-wrap:wrap;margin:12px 0 30px}.toc a{font-size:12px;text-decoration:none;background:#e3ebf5;padding:8px 12px;border-radius:4px}.profile-hero{display:grid;grid-template-columns:1.1fr .9fr;gap:35px;padding:16px 0 35px}.profile-hero h1{font-size:clamp(38px,4vw,56px)}.profile-hero .lead{font-size:17px}.outcome{background:var(--navy);color:#fff;padding:30px;border-radius:8px;align-self:start}.outcome .eyebrow,.outcome p{color:#c2d2e4}.outcome .amount{font-size:46px;font-weight:700;line-height:1.2;letter-spacing:-1.4px;margin-bottom:8px}.outcome-grid{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid #486076;padding-top:18px;margin-top:20px;gap:18px}.outcome-grid strong{display:block;font-size:23px}.outcome-grid span{font-size:11px;color:#c2d2e4;display:block}.outcome p{font-size:12px;margin-bottom:0}.outcome a{color:#e4efff}.workspace{display:grid;grid-template-columns:172px minmax(0,1fr);gap:36px}.workspace>.toc{position:sticky;top:24px;align-self:start;display:flex;flex-direction:column;margin:0}.workspace>.toc a{background:transparent}.workspace>.toc a:hover{background:#dae6f4}.body-content{min-width:0}.body-content>.section:first-child{padding-top:0;border-top:0}.body-content h2{font-size:29px}.split{display:grid;grid-template-columns:1fr 1fr;gap:26px}.statline{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:6px;overflow:hidden;margin:22px 0}.statline div{padding:19px;background:white}.statline strong{display:block;font-size:27px;letter-spacing:-.8px}.statline span{font-size:11px;color:var(--muted)}.body-content p{max-width:900px}.body-content li{margin:12px 0}.body-content .card{padding:23px}.body-content .card h3{font-size:19px}.source-list{padding:0;list-style:none}.source-list li{border-bottom:1px solid var(--line);padding:14px 0;margin:0;font-size:14px}.source-list strong{display:block}.source-list p{font-size:12px;color:var(--muted);margin:7px 0}.source-list a{overflow-wrap:anywhere}.code{font:13px/1.75 var(--mono);background:white;border:1px solid var(--line);padding:22px;white-space:pre-wrap;overflow-wrap:anywhere}details{border:1px solid var(--line);border-radius:5px;padding:15px 18px;background:#fff;margin:16px 0}summary{cursor:pointer;font-size:14px;font-weight:650}details>div,details>p{margin-top:16px}.scenario{background:#fff;border:1px solid var(--line);border-radius:7px;padding:28px}.scenario-inputs{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:17px}.scenario-inputs label{font-size:12px;font-weight:600}.scenario-inputs small{font-size:11px;font-weight:400;color:var(--muted);display:block;margin-top:4px}.scenario-inputs input{margin-top:7px}.scenario-result{margin-top:24px;border-top:1px solid var(--line);padding-top:16px}.scenario-result .statline{margin-top:6px}.scenario .btn-row{margin-top:22px}.scenario label{min-width:0}.scenario-result p{font-size:13px}.scenario-result [data-error]{color:#9b2e2e}.scenario .table-wrap{border-radius:0}.comparison-note{font-size:12px;color:var(--muted);margin:0}.catalog-list{padding:0;list-style:none;background:white;border:1px solid var(--line);border-radius:6px;overflow:hidden}.catalog-list li{display:grid;grid-template-columns:1fr 1fr auto;gap:16px;padding:16px 22px;border-bottom:1px solid var(--line);font-size:14px;align-items:center}.catalog-list li:last-child{border-bottom:0}.catalog-list span{font-size:12px;color:var(--muted)}.matrix td{white-space:nowrap}.matrix td:first-child{min-width:160px}.steps{counter-reset:step;list-style:none;padding:0}.steps li{counter-increment:step;display:grid;grid-template-columns:35px 1fr;gap:12px;margin:22px 0}.steps li:before{content:counter(step,decimal-leading-zero);font:12px var(--mono);padding-top:4px;color:var(--muted)}.steps p{font-size:14px}.site-footer{background:var(--navy);color:#d4e1ee;margin-top:42px;padding:40px 0}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:30px}.site-footer a{display:block;font-size:13px;text-decoration:none;margin:8px 0}.site-footer a:hover{color:white}.site-footer .brand{font-size:21px}.site-footer p{font-size:12px;color:#bbccdd}.site-footer strong{font-size:12px}.site-footer .fine{border-top:1px solid #3d566c;margin-top:24px;padding-top:20px;margin-bottom:0}.empty{padding:25px;border:1px dashed #8b9aac}.flow{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}.flow .card{padding:22px}.flow .card p{font-size:13px}.flow .card .number{margin-bottom:15px}.audit-list a{display:block;margin:8px 0;font-size:14px}.text-link{font-size:14px;font-weight:650}.bar-chart{display:grid;gap:14px;margin:24px 0}.bar{display:grid;grid-template-columns:130px 1fr 105px;align-items:center;gap:10px;font-size:12px}.bar-track{background:#e0e9f3;height:16px;border-radius:2px;overflow:hidden}.bar-fill{height:100%;background:#4977ab;width:var(--width)}.bar strong{text-align:right}.print-note{font-size:12px;color:var(--muted)}
@media(max-width:1050px){.primary-nav{gap:14px}.header-inner{gap:18px}.brand{font-size:20px}.home-hero{gap:30px}.link-grid{grid-template-columns:repeat(4,minmax(0,1fr))}.workspace{grid-template-columns:145px minmax(0,1fr);gap:25px}.cards{gap:14px}.card{padding:21px}.scenario-inputs{grid-template-columns:repeat(2,minmax(0,1fr))}.profile-hero{gap:25px}.outcome{padding:25px}.flow{grid-template-columns:1fr 1fr}}
@media(max-width:800px){.container{padding:0 24px}.header-inner{padding-top:20px;padding-bottom:18px;align-items:start;flex-direction:column;gap:14px}.primary-nav{width:100%;gap:10px 22px}.primary-nav a{font-size:12px}.home-hero{grid-template-columns:1fr;padding:42px 0 30px}.home-hero h1{max-width:700px}.finder{display:block}.profile-hero{grid-template-columns:1fr}.workspace{display:block}.workspace>.toc{position:static;flex-direction:row;flex-wrap:wrap;margin:0 0 30px}.workspace>.toc a{background:#e0eaf5}.cards{grid-template-columns:1fr}.cards.two{grid-template-columns:1fr 1fr}.card .number{margin-bottom:15px}.link-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.footer-grid{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr}.statline strong{font-size:24px}.section-head{display:block}.section-head>a{display:inline-block;margin-top:12px}.catalog-list li{grid-template-columns:1fr auto}.catalog-list li span{grid-column:1}.catalog-list li a{grid-column:2;grid-row:1/3}.demo-strip .container{flex-wrap:wrap;gap:4px}.intro{padding-top:10px}}
@media(max-width:480px){.container{padding:0 20px}.primary-nav{gap:10px 19px}.home-hero h1{font-size:45px}.home-hero .lead{font-size:17px}.cards.two,.flow{grid-template-columns:1fr}.counts div{padding:18px 12px}.counts strong{font-size:30px}.counts div{font-size:11px}.link-grid{grid-template-columns:1fr 1fr;gap:8px}.state-link{font-size:12px;padding:12px 10px}.state-link span{font-size:10px}.scenario{padding:20px 15px}.scenario-inputs{gap:15px 12px}.scenario-inputs input{font-size:14px}.statline{grid-template-columns:1fr}.statline div{padding:14px 18px}.statline strong{font-size:25px}.outcome{padding:24px}.outcome .amount{font-size:43px}.outcome-grid strong{font-size:22px}.profile-hero h1{font-size:39px}.footer-grid{gap:20px}.site-footer .brand{font-size:18px}.body-content h2{font-size:27px}.bar{grid-template-columns:100px 1fr 85px;font-size:11px}.table-wrap{margin:18px 0}th,td{padding:12px 13px}.toolbar label{max-width:none}.intro h1{font-size:40px}.lead{font-size:17px}.model-offer{margin-top:22px}.breadcrumbs{font-size:11px}.btn-row .btn{flex:1}.scenario .btn-row button{font-size:12px}.flow .number{margin-bottom:12px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}@media print{.site-header,.demo-strip,.site-footer,.toc,.scenario-inputs,.btn-row,.model-offer{display:none}body{background:#fff;color:#000}.container{max-width:none;padding:0}.workspace{display:block}.section{break-inside:avoid}.outcome{background:white;color:black;border:1px solid #999}.outcome p,.outcome span{color:#333}.table-wrap{overflow:visible}.profile-hero{display:block}}

/* Share the six content rows across business cards while they sit side by side. */
.editorial-table th[scope=row]{font-size:14px;text-transform:none;letter-spacing:0;background:transparent;min-width:145px;max-width:230px}.editorial-table td{min-width:190px}.editorial-table p:last-child,.editorial-table ul:last-child{margin-bottom:0}.editorial-table ul{padding-left:18px;margin-top:0}.editorial-table li{margin:0 0 8px}.card ul{font-size:14px;padding-left:18px}.card li{margin:9px 0}.card li a{overflow-wrap:anywhere}.worked-example{background:#fff;border:1px solid var(--line);border-left:4px solid #6486b2;border-radius:6px;padding:26px;max-width:930px}.worked-example p:last-child{margin-bottom:0}.support-fields{display:grid;gap:18px;max-width:850px;margin:22px 0}.support-fields label{display:grid;gap:7px;font-size:14px;font-weight:600}.support-fields textarea{font:inherit;font-weight:400;min-height:200px;width:100%;resize:vertical;padding:12px;border:1px solid #b6c5d4;border-radius:5px;color:var(--ink);background:#fff}.support-fields textarea:focus-visible{outline:3px solid #bc7819;outline-offset:4px}[data-page-type=guide] .section>p,[data-page-type=trust-support] .section>p,[data-page-type=trust-support-legacy] .section>p{max-width:930px}.section>ol.steps{max-width:1000px}.editorial-table caption{line-height:1.5}@media(max-width:480px){.worked-example{padding:20px}.editorial-table th[scope=row]{min-width:125px}.editorial-table td{min-width:180px}}
.research-findings{padding-top:28px}.research-heading{display:flex;align-items:start;justify-content:space-between;gap:24px}.research-heading h2{margin-bottom:18px}.research-heading .eyebrow{font-size:12px;margin-bottom:9px}.research-findings .cards{margin-top:20px}.research-findings .card p,.research-findings .card a,.research-boundary{font-size:15px}.research-findings th[scope=row]{font-size:14px;text-transform:none;letter-spacing:0;background:transparent;min-width:175px}.research-findings .tag{font-size:12px}.research-boundary{background:#e5edf7;border-left:3px solid #6486b2;padding:18px 20px}.financial-disclaimer p{font-size:14px}.publication-disclaimer{font-size:14px;margin:24px 0;padding:18px 20px;background:#e5edf7;border-left:3px solid #6486b2}.publication-disclaimer summary{font-weight:650}.publication-disclaimer p{margin-top:14px;margin-bottom:0}@media(max-width:700px){.research-heading{display:block}.research-heading>.btn{margin-bottom:12px}.research-findings .cards.two{grid-template-columns:1fr}.research-findings h2{font-size:28px}}
@media (min-width: 801px) {
  .business-cards > .card {
    display: grid;
    grid-row: span 6;
    grid-template-rows: subgrid;
    row-gap: 0;
  }
  .business-cards > .card > .tag {
    align-self: start;
    justify-self: start;
  }
  .business-cards > .card > .card-link {
    /* Paragraphs already contribute 18px; preserve the original 20px link gap. */
    margin-top: 2px;
  }
}