@font-face{font-family:"Fraunces";src:url(/assets/fonts/fraunces-latin-wght.woff2)format("woff2");font-weight:100 900;font-style:normal;font-display:swap}@font-face{font-family:"Inter";src:url(/assets/fonts/inter-latin-wght.woff2)format("woff2");font-weight:100 900;font-style:normal;font-display:swap}:root{--navy:#10203D;--navy-2:#1B315A;--navy-3:#2A4573;--ivory:#FAF5EA;--ivory-2:#F2EAD6;--sand:#E6D9BA;--gold:#D2B26B;--gold-dk:#B8944A;--gold-lt:#E8D3A0;--sage:#8FA58A;--sage-dk:#516A52;--sage-lt:#DCE5D6;--sage-xlt:#EEF2EA;--char:#2A2D31;--char-2:#50555C;--line:#E7DDC3;--white:#fff;--serif:"Fraunces","Iowan Old Style","Palatino Linotype",Georgia,serif;--sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;--r:16px;--r-lg:28px;--wrap:1160px;--narrow:760px;--shadow:0 1px 2px rgba(16,32,61,.06),0 10px 30px -12px rgba(16,32,61,.18);--shadow-lg:0 2px 4px rgba(16,32,61,.06),0 24px 60px -20px rgba(16,32,61,.30)}*,::after,::before{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:92px}body{margin:0;background:var(--ivory);color:var(--char);font-family:var(--sans);font-size:1.0625rem;line-height:1.68;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}img,svg{max-width:100%;height:auto;display:block}a{color:var(--navy-3);text-decoration-thickness:1px;text-underline-offset:.2em}a:hover{color:var(--navy);text-decoration-thickness:2px}:focus-visible{outline:3px solid var(--gold-dk);outline-offset:3px;border-radius:4px}h1{color:var(--navy);font-size:clamp(2.1rem,4.6vw + .6rem,3.7rem);letter-spacing:-.022em;font-weight:620}h2,h3,h4,strong{color:var(--navy)}h1,h2,h3,h4{font-family:var(--serif);line-height:1.14;margin:0 0 .5em}h2,h3,h4{letter-spacing:-.012em;font-weight:600}h3{font-size:clamp(1.15rem,.8vw + 1rem,1.42rem)}h2{font-size:clamp(1.55rem,2.1vw + 1rem,2.35rem)}p{margin:0 0 1.15em}ol,ul{margin:0 0 1.2em;padding-left:1.25em}li{margin:.35em 0}strong{font-weight:650}.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}.narrow{max-width:var(--narrow)}.skip,.sr{position:absolute}.sr{width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}.skip{left:12px;top:-60px;background:var(--gold);color:var(--navy);padding:10px 16px;border-radius:8px;font-weight:700;z-index:200}.skip:focus{top:12px}.topbar{background:var(--navy-2);color:#e6ecf6;font-size:.84rem}.site-header .wrap,.topbar .wrap{display:flex;align-items:center;justify-content:space-between}.topbar .wrap{gap:12px;padding-top:7px;padding-bottom:7px}.topbar a{color:var(--gold-lt);font-weight:600;text-decoration:none;white-space:nowrap}.topbar a:hover{color:#fff}.answer p,.nav li,.topbar p{margin:0}.site-header{background:var(--navy);position:sticky;top:0;z-index:100;border-bottom:1px solid rgba(255,255,255,.08)}.site-header .wrap{gap:16px;min-height:74px}.brand,.nav .nav-btn,.nav a{text-decoration:none;align-items:center}.brand{display:flex;gap:12px;color:#fff}.brand img{width:44px;height:44px;border-radius:10px}.brand-text{display:flex;flex-direction:column;line-height:1.05}.brand-name{font-family:var(--serif);font-size:1.32rem;font-weight:620;letter-spacing:-.01em;color:#fff}.brand-sub{font-size:.66rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin-top:4px;font-weight:600}.nav,.nav>ul{display:flex;align-items:center;gap:4px}.nav>ul{list-style:none;margin:0;padding:0;gap:2px}.nav li{position:relative}.nav .nav-btn,.nav a{color:#e9eef7;font-weight:550;font-size:.95rem;padding:10px 12px;border-radius:8px;background:0 0;border:0;cursor:pointer;font-family:inherit;display:inline-flex;gap:6px}.nav .nav-btn:hover,.nav a:hover,.nav a[aria-current=page]{color:#fff;background:rgba(255,255,255,.09)}.nav .caret{width:9px;height:9px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px);transition:transform .15s}.nav .sub{list-style:none;position:absolute;left:0;top:calc(100% + 6px);min-width:300px;background:#fff;border-radius:14px;box-shadow:var(--shadow-lg);padding:10px;display:none;z-index:50;border:1px solid var(--line)}.nav .sub.two{display:none;min-width:480px;columns:2;column-gap:6px}.nav .sub a{color:var(--navy);display:block;padding:8px 12px;border-radius:8px;font-weight:520;font-size:.92rem;break-inside:avoid}.nav .sub a:hover{background:var(--ivory-2);color:var(--navy)}.nav .sub li{margin:0;break-inside:avoid}.nav .has-sub.open>.sub,.nav .has-sub:focus-within>.sub,.nav .has-sub:hover>.sub{display:block}.has-sub.open .caret,.has-sub:hover .caret{transform:rotate(225deg) translateY(-2px)}.nav-toggle{display:none;background:0 0;border:1px solid rgba(255,255,255,.3);color:#fff;border-radius:10px;padding:9px 12px;font:inherit;font-weight:600;cursor:pointer}.btn,.head-cta{align-items:center;gap:10px}.head-cta{display:flex}.btn{display:inline-flex;justify-content:center;font-family:var(--sans);font-weight:700;font-size:1rem;line-height:1.1;padding:15px 24px;border-radius:999px;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .12s,box-shadow .12s,background .12s;white-space:nowrap}.btn svg{width:20px;height:20px;flex:none}.btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 8px 20px -8px rgba(184,148,74,.8)}.btn-gold:hover{background:var(--gold-lt);color:var(--navy);transform:translateY(-1px)}.btn-ghost{background:0 0;border-color:var(--navy);color:var(--navy)}.btn-ghost:hover{background:var(--navy);color:#fff}.btn-ghost-lt{background:0 0;border-color:rgba(255,255,255,.55);color:#fff}.btn-ghost-lt:hover{background:#fff;color:var(--navy)}.btn-sm{padding:11px 18px;font-size:.93rem}.btn-lg{padding:18px 30px;font-size:1.1rem}.hero{padding:clamp(34px,5vw,72px)0 clamp(40px,5vw,76px);background:radial-gradient(900px 400px at 85%0,rgba(210,178,107,.18),transparent 70%),var(--ivory)}.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:clamp(28px,5vw,64px);align-items:center}.answer b,.eyebrow{letter-spacing:.14em;text-transform:uppercase;color:var(--sage-dk);font-weight:700}.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;margin-bottom:16px}.eyebrow::before{content:"";width:26px;height:2px;background:var(--gold-dk)}.hero h1{margin-bottom:.45em}.answer{background:#fff;border:1px solid var(--line);border-left:5px solid var(--gold);border-radius:var(--r);padding:18px 22px;margin:0 0 26px;box-shadow:var(--shadow);font-size:1.06rem}.answer b{display:block;font-size:.8rem;margin-bottom:6px;font-family:var(--sans)}.cta-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}.fine{font-size:.88rem;color:var(--char-2);margin:14px 0 0}.frame{position:relative}.frame .arch{border-radius:999px 999px var(--r-lg) var(--r-lg);overflow:hidden;border:6px solid #fff;background:var(--ivory-2);aspect-ratio:4/4.6}.frame .arch img{width:100%;height:100%;object-fit:cover}.frame.wide .arch{border-radius:var(--r-lg);aspect-ratio:4/3}.badge,.card:hover,.frame .arch{box-shadow:var(--shadow-lg)}.badge{position:absolute;left:-18px;bottom:26px;background:var(--navy);color:#fff;border-radius:14px;padding:14px 18px;max-width:230px;font-size:.88rem;line-height:1.4}.badge strong,.steps li strong{display:block;font-family:var(--serif)}.badge strong{color:var(--gold);font-size:1.02rem;margin-bottom:2px}.crumbs{font-size:.86rem;margin-bottom:20px}.crumbs ol,.strip ul{list-style:none;margin:0}.crumbs ol{padding:0;display:flex;flex-wrap:wrap;gap:6px}.crumbs li{margin:0}.crumbs li+li::before{content:"/";margin-right:6px;color:var(--sand)}.crumbs,.crumbs a,.sec-head p{color:var(--char-2)}.sec{padding:clamp(48px,6vw,88px)0}.sec--white{background:#fff}.sec--sage{background:var(--sage-xlt)}.card img,.sec--sand{background:var(--ivory-2)}.sec--navy{background:var(--navy);color:#dce4f1}.callout.navy h3,.callout.navy h4,.callout.navy strong,.sec--navy h2,.sec--navy h3,.sec--navy strong{color:#fff}.callout.navy a,.sec--navy a{color:var(--gold-lt)}.sec-head{max-width:720px;margin-bottom:clamp(26px,3.5vw,44px)}.sec-head p{font-size:1.1rem}.sec--navy .sec-head p{color:#c3cfe3}.mark{display:block;width:54px;height:4px;background:var(--gold);border-radius:3px;margin-bottom:18px}.strip{background:var(--navy);color:#dce4f1}.strip ul{padding:18px 0;display:grid;grid-template-columns:repeat(4,1fr);gap:12px 24px}.strip li{margin:0;display:flex;gap:12px;align-items:flex-start;font-size:.93rem;line-height:1.4}.strip li b{display:block;color:#fff;font-weight:650}.steps li::before,.strip i{border-radius:50%;color:var(--gold);font-family:var(--serif);font-weight:700;display:grid;place-items:center}.strip i{flex:none;width:34px;height:34px;background:rgba(210,178,107,.18);font-style:normal}.cards{display:grid;gap:20px;grid-template-columns:repeat(auto-fill,minmax(250px,1fr))}.card,.steps li{background:#fff;border:1px solid var(--line);border-radius:var(--r)}.card,.card-body{display:flex;flex-direction:column}.card{overflow:hidden;box-shadow:var(--shadow);transition:transform .15s,box-shadow .15s;text-decoration:none;color:inherit}.card:hover{transform:translateY(-3px);color:inherit}.card img{width:100%;aspect-ratio:4/3;object-fit:cover}.card-body{padding:18px 20px 22px;gap:6px;flex:1}.card h3,.card p{font-size:1.16rem;margin:0}.card p{font-size:.95rem;color:var(--char-2)}.card .more{margin-top:auto;padding-top:8px;font-weight:700;font-size:.9rem;color:var(--sage-dk)}.cards.compact{grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:16px}.cards.compact .card img{aspect-ratio:16/10}.cards.compact .card h3{font-size:1.02rem}.steps{margin:0 0 1.4em;display:grid;gap:16px;counter-reset:s}.steps li{margin:0;counter-increment:s;padding:20px 22px 20px 74px;position:relative}.steps li::before{content:counter(s);position:absolute;left:20px;top:18px;width:38px;height:38px;background:var(--navy);font-size:1.15rem}.steps li strong{font-size:1.12rem;margin-bottom:3px}.steps.cols{grid-template-columns:repeat(3,1fr)}.steps.cols li{padding:70px 22px 22px}.steps.cols li::before{top:20px}.checks,.steps,.warns{list-style:none;padding:0}.checks li,.warns li{position:relative;padding-left:34px;margin:.7em 0}.checks li::before,.warns li::before{position:absolute;left:0;width:22px;height:22px;border-radius:50%}.checks li::before{content:"";top:.28em;background:var(--sage-lt)url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6.5 12.5l3.4 3.4L17.5 8' fill='none' stroke='%23516A52' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")center/16px no-repeat}.warns li::before{content:"!";top:.2em;background:#f6e7c3;color:#8a6a24;font-weight:800;font-size:.85rem;display:grid;place-items:center}.callout{background:var(--sage-xlt);border:1px solid #d4dfce;border-radius:var(--r);padding:20px 24px;margin:1.6em 0}.callout h3,.callout h4{margin-bottom:.3em;font-size:1.12rem}.callout p:last-child{margin-bottom:0}.callout.gold{background:#fbf1d9;border-color:#ead9a8}.callout.navy,.side-card.call{background:var(--navy);border-color:var(--navy);color:#dce4f1}.tablewrap{overflow-x:auto;margin:1.4em 0;border-radius:var(--r);border:1px solid var(--line);background:#fff}table.cmp{border-collapse:collapse;width:100%;font-size:.96rem;min-width:520px}.cmp td,.cmp th{padding:13px 16px}.cmp th{background:var(--navy);color:#fff;text-align:left;font-weight:600;font-size:.88rem;letter-spacing:.02em}.cmp td{border-top:1px solid var(--line);vertical-align:top}.cmp tr:nth-child(even) td{background:var(--ivory)}.cmp td:first-child{font-weight:650;color:var(--navy)}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:1.4em 0}.two-col>div{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px 22px}.two-col h3{font-size:1.1rem}.two-col ul{margin-bottom:0}.pull{font-family:var(--serif);font-size:clamp(1.25rem,1.4vw + 1rem,1.7rem);line-height:1.3;color:var(--navy);border-left:4px solid var(--gold);padding:4px 0 4px 22px;margin:1.6em 0}.page-grid{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:clamp(28px,5vw,64px);align-items:start}.prose h2{margin-top:1.6em;padding-top:.2em}.prose h2:first-child{margin-top:0}.prose h3{margin-top:1.4em}.prose{font-size:1.07rem;min-width:0}.aside{position:sticky;top:98px;display:grid;gap:18px}.side-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--shadow)}.side-card.call h2{color:#fff;font-size:1.3rem;margin-bottom:.35em}.side-card.call p{font-size:.94rem;margin-bottom:16px}.side-card.call .btn{width:100%}.side-card h2{font-size:1.1rem;margin-bottom:.6em}.site-footer ul,.toc{list-style:none;padding:0;margin:0}.toc li{margin:0;border-top:1px solid var(--line)}.toc li:first-child{border-top:0}.toc a{display:block;padding:9px 0;font-size:.93rem;text-decoration:none;color:var(--char);font-weight:520}.toc a:hover{color:var(--sage-dk);padding-left:4px}.faq{display:grid;gap:12px;max-width:860px}.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:0 22px}.faq summary{cursor:pointer;list-style:none;font-family:var(--serif);font-weight:600;font-size:1.14rem;color:var(--navy);padding:18px 34px 18px 0;position:relative;line-height:1.3}.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"+";position:absolute;right:0;top:50%;transform:translateY(-50%);width:26px;height:26px;border-radius:50%;background:var(--ivory-2);display:grid;place-items:center;font-family:var(--sans);font-size:1.2rem;color:var(--navy);line-height:1}.faq details[open] summary::after{content:"−";background:var(--gold)}.faq details p{padding:0 0 18px;margin:0;color:var(--char)}.area:hover,.faq details[open]{border-color:var(--gold)}.chips{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:10px}.chips,.chips li{margin:0}.chips a{display:inline-block;padding:9px 16px;border-radius:999px;text-decoration:none;font-weight:600;font-size:.94rem;color:var(--navy)}.chips a:hover{background:var(--navy);color:#fff;border-color:var(--navy)}.areas{display:grid;grid-template-columns:repeat(auto-fill,minmax(270px,1fr));gap:14px}.area,.chips a,.keyfacts div{background:#fff;border:1px solid var(--line)}.area,.keyfacts div{border-radius:var(--r);padding:16px 18px}.area{display:block;text-decoration:none;color:var(--char)}.area:hover{box-shadow:var(--shadow);color:var(--char)}.area strong,.keyfacts b{font-family:var(--serif);font-size:1.08rem;display:block;margin-bottom:3px;color:var(--navy)}.area span{font-size:.92rem;color:var(--char-2);line-height:1.5;display:block}.cta-band{background:linear-gradient(120deg,var(--navy) 0%,var(--navy-2) 100%);color:#dce4f1;padding:clamp(44px,6vw,76px)0;position:relative;overflow:hidden}.cta-band::after{content:"";position:absolute;right:-90px;top:-90px;width:340px;height:340px;border-radius:50%;border:44px solid rgba(210,178,107,.1)}.cta-band .wrap{display:grid;grid-template-columns:1.3fr auto;gap:28px;align-items:center;position:relative;z-index:1}.cta-band h2{color:#fff;margin-bottom:.3em}.cta-band p{margin:0;font-size:1.08rem;max-width:620px}.cta-band .btn-ghost-lt{margin-left:0}.cta-stack{display:flex;flex-direction:column;gap:10px;align-items:stretch}.site-footer{background:var(--navy);color:#c6d1e4;font-size:.95rem}.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:34px;padding:clamp(40px,5vw,64px)0 34px}.site-footer h2{font-family:var(--sans);font-size:.8rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:14px;font-weight:700}.site-footer li{margin:.4em 0}.site-footer a{color:#dce4f1;text-decoration:none}.site-footer a:hover{color:var(--gold-lt);text-decoration:underline}.site-footer address{font-style:normal;line-height:1.7;margin:14px 0}.foot-brand .brand-name{font-size:1.4rem}.foot-legal{border-top:1px solid rgba(255,255,255,.12);padding:22px 0 30px;font-size:.84rem;line-height:1.6;color:#a9b7ce}.foot-legal p{margin:0 0 .7em;max-width:980px}.foot-bottom{display:flex;flex-wrap:wrap;gap:8px 22px;justify-content:space-between}.callbar{display:none}.pill{display:inline-block;background:var(--sage-lt);color:var(--sage-dk);font-weight:700;font-size:.78rem;padding:4px 12px;border-radius:999px;letter-spacing:.04em}.notfound{text-align:center;padding:90px 0}.notfound .big{font-family:var(--serif);font-size:clamp(5rem,16vw,9rem);color:var(--gold);line-height:1;margin:0}.keyfacts{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:1.4em 0}.keyfacts div{font-size:.95rem}.keyfacts b{font-size:1.1rem;margin-bottom:2px}.updated{font-size:.84rem;color:var(--char-2)}@media (max-width:1060px){.foot-grid,.strip ul{grid-template-columns:1fr 1fr}.page-grid{grid-template-columns:minmax(0,1fr)}.aside{position:static;grid-template-columns:1fr 1fr}.steps.cols{grid-template-columns:1fr}.steps.cols li{padding:20px 22px 20px 74px}.steps.cols li::before{top:18px}}@media (max-width:920px){.js .nav-toggle{display:inline-block}.nav>ul,.site-header .wrap{flex-wrap:wrap}.nav{width:100%;order:3}.head-cta .btn{display:none}.js .nav,.js .nav>ul{flex-direction:column;align-items:stretch}.js .nav{position:fixed;inset:0 0 0 auto;width:min(380px,92vw);background:var(--navy);padding:84px 18px 28px;opacity:0;transition:opacity .18s,visibility .18s;overflow:auto;z-index:150;box-shadow:-20px 0 50px rgba(0,0,0,.35);visibility:hidden}.js.nav-open .nav{opacity:1;visibility:visible}.js .nav>ul{gap:2px}.nav .nav-btn,.nav a{width:100%;justify-content:space-between;padding:13px 12px;font-size:1.04rem}.nav .sub,.nav .sub.two{position:static;display:none;min-width:0;columns:1;box-shadow:none;background:rgba(255,255,255,.06);border:0;margin:2px 0 8px;padding:6px}.nav .sub a{color:#e9eef7}.nav .sub a:hover{background:rgba(255,255,255,.1);color:#fff}.nav .has-sub:focus-within>.sub,.nav .has-sub:hover>.sub{display:none}.nav .has-sub.open>.sub{display:block}.js .nav-toggle[aria-expanded=true]{position:fixed;right:18px;top:16px;z-index:160;background:var(--navy-2)}.scrim{position:fixed;inset:0;background:rgba(8,16,32,.55);z-index:90}.js.nav-open .callbar,.scrim{display:none}.js.nav-open .scrim{display:block}.cta-band .wrap,.hero-grid{grid-template-columns:1fr}.frame{max-width:520px;margin:0 auto}.badge{left:12px}.cta-stack{flex-direction:row;flex-wrap:wrap}.keyfacts,.two-col{grid-template-columns:1fr}}@media (max-width:700px){body{font-size:1.02rem;padding-bottom:74px}.topbar p{display:none}.topbar .wrap{justify-content:center}.aside,.foot-grid,.strip ul{grid-template-columns:1fr}.foot-grid{gap:26px}.brand-name{font-size:1.15rem}.brand img{width:40px;height:40px}.btn-lg{padding:16px 22px;font-size:1.04rem}.cta-row .btn{flex:1 1 100%}.badge{margin:-34px 12px 0;max-width:none;position:relative}.callbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:80;background:var(--navy);padding:10px 14px calc(10px + env(safe-area-inset-bottom));gap:10px;align-items:center;box-shadow:0-10px 30px rgba(0,0,0,.25);border-top:2px solid var(--gold)}.callbar .btn{flex:1;padding:14px 16px}.callbar>span{color:#c9d5ea;font-size:.74rem;line-height:1.25;max-width:110px}}@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}@media print{.aside,.callbar,.cta-band,.site-header,.topbar{display:none}body{background:#fff}}