*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
p{margin:0 0 1.1em}
a{text-underline-offset:3px;text-decoration-thickness:1px}
:focus-visible{outline:2.5px solid var(--focus);outline-offset:3px}
.wrap{width:100%;max-width:var(--max,1120px);margin:0 auto;padding:0 24px}
.narrow{max-width:var(--narrow,760px)}
fieldset{border:0;padding:0;margin:0}
.sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip{position:absolute;left:-9999px;top:0;background:#fff;color:#000;padding:11px 18px;z-index:100}
.skip:focus{left:12px;top:10px}
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse}
.brand{display:flex;align-items:center;flex:0 0 auto}
.brand img{height:26px;width:auto}
.masthead .wrap{display:flex;align-items:center;gap:20px;min-height:68px}
.nav{margin-left:auto;display:flex;align-items:center;gap:26px}
.navtoggle{display:none;margin-left:auto;background:none;border:1px solid currentColor;border-radius:3px;padding:9px 12px;font:inherit;font-size:.85rem;cursor:pointer;color:inherit}
@media (max-width:880px){
  .navtoggle{display:block}
  .nav{position:absolute;top:68px;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;padding:6px 24px 18px;margin-left:0;z-index:70}
  .nav[hidden]{display:none}
  .nav a{padding:13px 0;font-size:.98rem}
}
.result[hidden]{display:none}
.opts input{position:absolute;opacity:0;width:0;height:0}
.axis-track{position:relative;height:3px;border-radius:2px;margin:34px 0 30px}
.axis-pin{position:absolute;top:50%;transform:translate(-50%,-50%);display:flex;flex-direction:column;align-items:center}
.axis-pin .dot{width:15px;height:15px;border-radius:50%}
.axis-pin .lbl{position:absolute;white-space:nowrap;font-size:.735rem;letter-spacing:.01em}
.axis-pin.above .lbl{bottom:20px}
.axis-pin.below .lbl{top:20px}
.axis-span{position:absolute;top:50%;height:3px;transform:translateY(-50%);border-radius:2px}
.levers{list-style:none;padding:0;margin:20px 0 0}
.levers li{display:flex;align-items:baseline;gap:14px}
.levers .yr{flex:0 0 66px;font-weight:650;text-align:right}
.levers .txt{flex:1 1 auto}
.levers .txt b{display:block}
.faq summary{cursor:pointer;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
@media (prefers-reduced-motion:reduce){*{animation-duration:.01ms !important;transition-duration:.01ms !important;scroll-behavior:auto !important}}

:root{--paper:#EDF1F4;--surface:#FFFFFF;--slate:#22333E;--ink:#18262F;--ink-2:#41535F;--ink-3:#6E8290;
--line:#D2DBE2;--line-2:#B3C1CC;--blue:#1B91CE;--blue-deep:#0F5E88;--blue-soft:#E4F2FA;
--warn:#A8441C;--warn-soft:#F9EAE3;--focus:#1B91CE;--max:1180px}
body{background:var(--paper);color:var(--ink);font-family:"Archivo",system-ui,sans-serif;font-size:16px;line-height:1.6}
h1,h2,h3,h4{font-family:"Archivo Narrow",sans-serif;font-weight:700;margin:0 0 .45em;letter-spacing:-.005em;color:var(--ink)}
h1{font-size:clamp(2.1rem,1.3rem + 3vw,3.4rem);line-height:1.06;text-transform:none}
h2{font-size:clamp(1.45rem,1.15rem + 1.3vw,2.05rem);margin-top:2.2em;line-height:1.16}
h3{font-size:1.16rem;margin-top:1.8em;font-weight:600}
h4{font-size:1rem;margin-top:1.5em;font-weight:600}
a{color:var(--blue-deep)}

.masthead{background:var(--slate);color:#fff;position:sticky;top:0;z-index:60}
.nav a{color:#B8C9D4;font-size:.87rem;text-decoration:none;font-family:"Archivo Narrow",sans-serif;font-weight:500}
.nav a:hover,.nav a[aria-current=page]{color:#fff}
.nav a[aria-current=page]{box-shadow:inset 0 -2px 0 var(--blue)}
@media(max-width:880px){.nav{background:var(--slate)}.nav a{border-bottom:1px solid #31444F}}

.hero{background:var(--slate);color:#C6D5DE;padding:62px 0 66px}
.hero h1{color:#fff;max-width:17ch}
.hero .lede{font-size:1.05rem;color:#AEC1CD;max-width:58ch;margin-top:18px}
.hero .lede a{color:#78CDF2}
.kicker{font-family:"Archivo Narrow",sans-serif;font-size:.78rem;color:var(--blue);letter-spacing:.09em;margin:0 0 14px;font-weight:600}
.hero .kicker{color:#78CDF2}

.band{padding:58px 0}
.band-surface{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.band-ink{background:var(--slate);color:#B8C9D4}
.band-ink h2,.band-ink h3{color:#fff}.band-ink a{color:#78CDF2}
.cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:0;border:1px solid var(--line-2)}
.cols>div{padding:22px;border-right:1px solid var(--line);background:var(--surface)}
.cols>div:last-child{border-right:0}
.cols h3{margin-top:0}.cols p:last-child{margin-bottom:0}
@media(max-width:800px){.cols>div{border-right:0;border-bottom:1px solid var(--line)}}
.cardlist{display:grid;grid-template-columns:repeat(auto-fit,minmax(268px,1fr));gap:0;border:1px solid var(--line-2)}
.cardlist article{background:var(--surface);padding:22px;border-right:1px solid var(--line)}
.cardlist article:last-child{border-right:0}
@media(max-width:820px){.cardlist article{border-right:0;border-bottom:1px solid var(--line)}}
.cardlist h3{margin:0 0 6px;font-size:1.1rem}
.cardlist h3 a{text-decoration:none}.cardlist h3 a:hover{text-decoration:underline}
.cardlist p{font-size:.88rem;color:var(--ink-2);margin:0}
.tl{list-style:none;padding:0;margin:26px 0 0;border-top:2px solid var(--slate)}
.tl li{display:grid;grid-template-columns:92px 1fr;gap:18px;padding:18px 0;border-bottom:1px solid var(--line)}
.tl .when{font-family:"Archivo Narrow",sans-serif;font-weight:700;font-size:.95rem;color:var(--blue-deep);letter-spacing:.02em}
.tl h3{margin:0 0 4px}.tl p{margin:0;font-size:.89rem;color:var(--ink-2)}
table{margin:26px 0;font-size:.875rem;border:1px solid var(--line-2)}
th,td{text-align:left;padding:11px 13px;border-bottom:1px solid var(--line);border-right:1px solid var(--line);vertical-align:top}
th:last-child,td:last-child{border-right:0}
th{font-family:"Archivo Narrow",sans-serif;font-weight:700;background:var(--slate);color:#fff;font-size:.82rem;letter-spacing:.02em}
tbody th{background:var(--paper);color:var(--ink)}
tbody tr:nth-child(even) td{background:#F7FAFC}
.evidence{border-left:4px solid var(--blue);background:var(--surface);padding:16px 20px;margin:26px 0;color:var(--ink-2)}
.evidence cite{display:block;font-size:.81rem;color:var(--ink-3);font-style:normal;margin-top:8px}
.caution{background:var(--warn-soft);border:1px solid #E5C6B6;border-left:4px solid var(--warn);padding:16px 19px;margin:26px 0;font-size:.9rem}
.caution strong{color:var(--warn)}.caution p:last-child{margin-bottom:0}
.btn{display:inline-block;background:var(--blue-deep);color:#fff;border:0;padding:12px 22px;font-family:"Archivo Narrow",sans-serif;
font-size:.95rem;font-weight:600;text-decoration:none;letter-spacing:.015em}
.btn:hover{background:var(--slate);color:#fff}
.btn-ghost{background:transparent;color:var(--blue-deep);box-shadow:inset 0 0 0 1px var(--line-2)}
.btn-ghost:hover{background:var(--blue-soft);color:var(--blue-deep)}
.btn-lite{background:#fff;color:var(--slate)}
.article{background:var(--surface)}
.article-head{background:var(--surface);border-bottom:2px solid var(--slate);padding:46px 0 26px}
.article-meta{font-size:.8rem;color:var(--ink-3);margin-top:14px}
.article-body{padding:34px 0 58px;max-width:70ch}
.article-body h2:first-child{margin-top:0}
.article-body ul,.article-body ol{padding-left:22px;margin:0 0 1.2em}
.article-body li{margin-bottom:.5em}
.tldr{background:var(--paper);border-left:4px solid var(--blue);padding:18px 20px;margin:0 0 30px}
.tldr h2{margin:0 0 7px;font-size:.8rem;letter-spacing:.08em;color:var(--blue-deep);font-weight:700}
.tldr ul,.tldr p:last-child{margin-bottom:0}
.faq{border-top:2px solid var(--slate);margin-top:34px}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{padding:16px 34px 16px 0;font-weight:600;font-size:1rem;font-family:"Archivo Narrow",sans-serif}
.faq summary::after{content:"+";position:absolute;right:6px;top:14px;font-size:1.3rem;color:var(--blue);font-weight:400}
.faq details[open] summary::after{content:"\2212"}
.faq .ans{padding:0 0 16px;color:var(--ink-2);max-width:68ch}
.related{border-top:2px solid var(--slate);padding-top:22px;margin-top:44px}
.related h2{margin-top:0;font-size:.8rem;letter-spacing:.08em;color:var(--ink-3);font-weight:700}
.related ul{list-style:none;padding:0;margin:0}
.related li{padding:9px 0;border-bottom:1px solid var(--line)}.related li:last-child{border-bottom:0}
.foot{background:var(--slate);color:#93A8B5;padding:48px 0 30px;font-size:.86rem}
.foot a{color:#B8C9D4}.foot h2{margin-top:0}.foot h2{color:#fff;font-size:.82rem;margin:0 0 10px;letter-spacing:.04em}
.foot ul{list-style:none;padding:0;margin:0}.foot li{padding:4px 0}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:36px}
@media(max-width:760px){.foot-grid{grid-template-columns:1fr;gap:26px}}
.foot-legal{border-top:1px solid #33454F;margin-top:32px;padding-top:20px;font-size:.78rem;line-height:1.6;color:#7C94A2}
.foot-legal p{margin:0 0 8px;max-width:88ch}
.disclaimer{background:#1A2933;border-left:4px solid var(--blue);padding:13px 17px;margin:0 0 18px;font-size:.81rem;line-height:1.6;color:#B8C9D4}