:root{--navy: #183153;--navy-deep: #11243e;--teal: #0f766e;--teal-dark: #0b5c56;--teal-tint: #e7f3f1;--teal-on-navy: #7fd9cf;--ink: #1b2430;--muted: #586474;--line: #dbe2ea;--soft: #f4f7fa;--bg: #ffffff;--max: 46rem;--max-wide: 64rem}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-padding-top:1rem}body{margin:0;background:var(--bg);color:var(--ink);font-family:system-ui,-apple-system,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif;font-size:1.0625rem;line-height:1.7}a{color:var(--teal);text-underline-offset:.16em}a:hover{color:var(--teal-dark);text-decoration-thickness:2px}a:focus-visible,summary:focus-visible,.table-wrap:focus-visible{outline:3px solid var(--teal-on-navy);outline-offset:2px}.wrap{max-width:var(--max);margin:0 auto;padding-left:1.25rem;padding-right:1.25rem}.wrap-wide{max-width:var(--max-wide);margin:0 auto;padding-left:1.25rem;padding-right:1.25rem}.skip-link{position:absolute;left:-999px}.skip-link:focus{left:1rem;top:1rem;background:#fff;padding:.5rem .75rem;z-index:10}.site-header{background:var(--navy);color:#fff}.header-inner{max-width:var(--max-wide);margin:0 auto;padding:.75rem 1.25rem;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.5rem 1.5rem}.brand{display:inline-flex;align-items:center;gap:.625rem;color:#fff;text-decoration:none}.brand:hover{color:#fff}.brand-mark{flex:none;display:block}.brand-name{font-weight:700;font-size:1.1875rem;letter-spacing:-.01em}.nav-list{display:flex;flex-wrap:wrap;gap:.25rem;list-style:none;margin:0 -.625rem;padding:0}.nav-list a{display:block;padding:.625rem;min-height:2.75rem;color:#fff;font-size:.9688rem;font-weight:500;text-decoration:none;border-radius:.375rem}.nav-list a:hover{background:#ffffff1f;color:#fff}.nav-list a[aria-current=page]{color:var(--teal-on-navy);box-shadow:inset 0 -2px 0 var(--teal-on-navy);border-radius:0}.button{display:inline-block;background:var(--teal);color:#fff;font-weight:600;font-size:1rem;line-height:1.3;padding:.75rem 1.125rem;border-radius:.5rem;text-decoration:none}.button:hover{background:var(--teal-dark);color:#fff}.hero{background:var(--navy);color:#fff;padding:2.5rem 0 5.5rem}.hero-kicker{margin:0 0 .75rem;color:var(--teal-on-navy);font-size:.8125rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase}.hero h1{font-size:clamp(1.875rem,5.4vw,2.75rem);line-height:1.15;letter-spacing:-.015em;margin:0 0 1rem;max-width:44rem}.hero-sub{margin:0;max-width:42rem;color:#d7e0ec;font-size:1.0625rem}.featured{display:grid;gap:1.25rem;grid-template-columns:repeat(2,minmax(0,1fr));margin-top:-3.5rem}.feature{background:#fff;border:1px solid var(--line);border-top:4px solid var(--teal);border-radius:.625rem;padding:1.5rem 1.5rem 1.375rem;box-shadow:0 6px 18px #18315314;display:flex;flex-direction:column}.feature-label{margin:0 0 .375rem;color:var(--teal);font-size:.8125rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase}.feature-title{margin:0 0 .625rem;font-size:1.5rem;line-height:1.25}.feature-title a{color:var(--navy);text-decoration:none}.feature-title a:hover{text-decoration:underline}.feature-desc{margin:0 0 .875rem}.feature-list{margin:0 0 1.25rem;padding:0;list-style:none}.feature-list li{position:relative;padding-left:1.5rem;margin-bottom:.375rem;font-size:.9688rem}.feature-list li:before{content:"";position:absolute;left:.125rem;top:.55em;width:.7rem;height:.4rem;border-left:2px solid var(--teal);border-bottom:2px solid var(--teal);transform:rotate(-45deg)}.feature-foot{margin:auto 0 0;display:flex;flex-wrap:wrap;align-items:center;gap:.5rem 1rem}.feature-date{color:var(--muted);font-size:.8125rem}.section{padding:2.75rem 0 0}.section h2,.method h2{color:var(--navy);font-size:1.5rem;line-height:1.25;margin:0 0 .5rem}.section-intro{color:var(--muted);margin:0 0 1.25rem;max-width:44rem}.page-head{padding-top:2.25rem}.page-head h1{color:var(--navy);font-size:clamp(1.75rem,5vw,2.25rem);line-height:1.2;margin:0 0 .75rem}.rows{list-style:none;margin:0;padding:0;border-top:1px solid var(--line)}.row{border-bottom:1px solid var(--line)}.row-link{display:grid;grid-template-columns:minmax(0,15rem) minmax(0,1fr) auto;gap:.25rem 1.5rem;align-items:baseline;padding:1.125rem 2rem 1.125rem .25rem;color:var(--ink);text-decoration:none;position:relative}.row-link:after{content:"›";position:absolute;right:.5rem;top:50%;transform:translateY(-55%);color:var(--teal);font-size:1.5rem;line-height:1}.row-link:hover{background:var(--soft);color:var(--ink)}.row-title{color:var(--navy);font-weight:700;font-size:1.125rem}.row-link:hover .row-title{text-decoration:underline}.row-desc{font-size:.9688rem}.row-meta{color:var(--muted);font-size:.8125rem;white-space:nowrap}.method{margin:2.75rem 0 0;padding:1.5rem;background:var(--soft);border-radius:.625rem}.method h2{font-size:1.1875rem}.method p{margin:0;max-width:46rem;font-size:.9688rem}.article-head{background:var(--soft);border-bottom:1px solid var(--line);padding:1.5rem 0}.breadcrumb{font-size:.875rem;color:var(--muted);margin-bottom:.875rem}.breadcrumb a{color:var(--muted)}.kicker{margin:0 0 .5rem;display:inline-block;background:var(--teal-tint);color:var(--teal-dark);font-size:.75rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:.1875rem .5rem;border-radius:.25rem}.article-head h1,.page h1{color:var(--navy);font-size:clamp(1.75rem,5.2vw,2.375rem);line-height:1.18;letter-spacing:-.01em;margin:0 0 .75rem}.dek{margin:0 0 1.125rem;font-size:1.125rem;line-height:1.55;color:var(--ink)}.facts{display:flex;flex-wrap:wrap;gap:.625rem 2rem;margin:0;padding-top:.875rem;border-top:1px solid var(--line)}.facts div{min-width:0}.facts dt{font-size:.6875rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--muted)}.facts dd{margin:0;font-size:.9063rem}.article{padding-top:1.5rem;padding-bottom:3rem}.page{padding-top:2.25rem}.disclosure{background:#fff;border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:.375rem;padding:.75rem 1rem;margin:0 0 1.25rem;font-size:.9063rem;line-height:1.55;color:var(--muted)}.disclosure p{margin:0}.toc{margin:0 0 1.75rem;border:1px solid var(--line);border-radius:.375rem;background:#fff}.toc summary{cursor:pointer;padding:.75rem 1rem;font-weight:600;color:var(--navy);min-height:2.75rem}.toc ol{margin:0;padding:0 1rem .875rem 2.375rem;font-size:.9688rem}.toc li{margin-bottom:.25rem}.prose>:first-child{margin-top:0}.prose h2{color:var(--navy);font-size:1.5625rem;line-height:1.25;letter-spacing:-.005em;margin:2.75rem 0 .875rem;padding-top:1rem;border-top:3px solid var(--teal-tint)}.prose h3{color:var(--navy);font-size:1.1875rem;line-height:1.3;margin:2rem 0 .5rem}.prose p,.prose ul,.prose ol{margin:0 0 1.25rem}.prose ul,.prose ol{padding-left:1.375rem}.prose li{margin-bottom:.5rem}.prose li::marker{color:var(--teal)}.prose blockquote{margin:0 0 1.25rem;padding:.25rem 1rem;border-left:3px solid var(--line);color:var(--muted)}.prose hr{border:0;border-top:1px solid var(--line);margin:2rem 0}.prose .cta-box{background:var(--teal-tint);border-radius:.5rem;padding:1.125rem 1.25rem}.prose .cta-button{display:block;width:fit-content;max-width:100%;margin-top:.75rem;background:var(--teal);color:#fff;font-weight:700;line-height:1.3;padding:.75rem 1.125rem;border-radius:.5rem;text-decoration:none}.prose .cta-button:hover{background:var(--teal-dark);color:#fff}.verdict{margin:2rem 0;padding:1.25rem 1.25rem .25rem;background:var(--soft);border:1px solid var(--line);border-top:4px solid var(--navy);border-radius:.5rem}.verdict h2{margin:0 0 .875rem;padding-top:0;border-top:0;font-size:1.3125rem}.verdict-grid{display:grid;gap:1rem;grid-template-columns:repeat(2,minmax(0,1fr));margin-bottom:1rem}.verdict-col{background:#fff;border:1px solid var(--line);border-radius:.375rem;padding:1rem 1rem .25rem}.verdict-col p{margin:0 0 .625rem;color:var(--navy)}.verdict-col ul{margin:0 0 .75rem;padding-left:1.25rem;font-size:.9688rem}.table-wrap{margin:0 0 1.5rem;overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:.5rem}.table-hint{display:none;margin:0 0 .375rem;color:var(--muted);font-size:.8125rem}.table-hint.is-needed{display:block}.prose table{width:100%;border-collapse:collapse;font-size:.9375rem;line-height:1.45}.prose th,.prose td{padding:.625rem .75rem;text-align:left;vertical-align:top;border-bottom:1px solid var(--line);min-width:6.75rem}.prose thead th{background:var(--navy);color:#fff;font-weight:600;border-bottom:0}.prose tbody tr:nth-child(2n) td{background:var(--soft)}.prose tbody tr:last-child td{border-bottom:0}.prose td:first-child{font-weight:600;color:var(--navy)}.article-foot{margin-top:2.5rem;padding-top:1rem;border-top:1px solid var(--line);font-size:.9375rem;color:var(--muted)}.analytics-choice{margin:0 0 1.25rem;padding:1rem 1.125rem .25rem;background:var(--soft);border:1px solid var(--line);border-radius:.5rem}.analytics-choice p{margin:0 0 .75rem}.analytics-choice button{border:0;cursor:pointer;font-family:inherit}.site-footer{background:var(--navy-deep);color:#d7e0ec;margin-top:3.5rem;padding:2rem 0 2.25rem;font-size:.9063rem}.site-footer .wrap{max-width:var(--max-wide)}.footer-links{list-style:none;display:flex;flex-wrap:wrap;gap:.125rem .5rem;margin:0 -.5rem 1rem;padding:0}.footer-links a{display:block;padding:.5rem;color:#fff}.footer-links a:hover{color:var(--teal-on-navy)}.footer-note{margin:0;color:#b6c3d4;max-width:46rem;line-height:1.6}.footer-analytics{margin-top:.625rem}.footer-analytics a{color:#fff}@media(max-width:44rem){.header-inner{padding:.625rem 1rem .25rem}.nav-list{width:100%;margin:0;flex-wrap:nowrap;justify-content:space-between;gap:0}.nav-list li:first-child a{padding-left:0}.nav-list li:last-child a{padding-right:0}.nav-list a{font-size:.9375rem;padding:.625rem .375rem}.hero{padding:2rem 0 4.5rem}.featured{grid-template-columns:1fr;margin-top:-3rem}.feature{padding:1.25rem 1.125rem 1.125rem}.feature-title{font-size:1.3125rem}.row-link{grid-template-columns:1fr;padding:1rem 2rem 1rem .125rem}.row-meta{white-space:normal}.wrap,.wrap-wide{padding-left:1.125rem;padding-right:1.125rem}.dek{font-size:1.0625rem}.facts{gap:.625rem 1.5rem}.prose h2{font-size:1.375rem;margin-top:2.5rem}.prose p,.prose ul,.prose ol{margin-bottom:1.375rem}.verdict{padding:1rem 1rem .125rem}.verdict-grid{grid-template-columns:1fr}.prose .cta-box{padding:1rem}.prose .cta-button{width:100%;text-align:center}}