:root{
  --ink:#102d2f;--deep:#0b3537;--deep-2:#082a2c;--paper:#f6f3e9;--white:#fffdf8;
  --lime:#c9f77c;--mint:#98dfc6;--coral:#ff866f;--amber:#f5bd58;--violet:#9b8cff;
  --blue:#74b7ed;--text:#1b3435;--muted:#617071;--line:#dcded3;--shadow:0 24px 60px rgba(10,45,47,.12);
  --serif:Georgia,'Times New Roman',serif;--sans:ui-sans-serif,-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--text);font-family:var(--sans);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}body.menu-open{overflow:hidden}a{color:inherit;text-decoration:none}img{display:block;max-width:100%}button,input,select,textarea{font:inherit;color:inherit}.shell{width:min(1240px,calc(100% - 48px));margin-inline:auto}.narrow{max-width:910px}.sr-only{position:absolute;width:1px;height:1px;clip:rect(0,0,0,0);overflow:hidden}.skip-link{position:fixed;left:16px;top:-100px;background:var(--lime);padding:10px 16px;z-index:999}.skip-link:focus{top:16px}.utility-bar{background:var(--deep-2);color:#cbdada;font-size:11px;letter-spacing:.08em;text-transform:uppercase}.utility-bar .shell{height:34px;display:flex;align-items:center;justify-content:space-between}.utility-bar a{color:var(--lime);font-weight:700}.site-header{position:sticky;top:0;background:rgba(255,253,248,.94);backdrop-filter:blur(14px);z-index:100;border-bottom:1px solid rgba(16,45,47,.11)}.nav-row{height:76px;display:flex;align-items:center}.brand{display:inline-flex;align-items:center;gap:10px;color:var(--deep);font-size:25px;font-weight:800;letter-spacing:-1.3px}.brand>span:last-child span{color:#59a88a}.brand-mark{display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--deep);color:var(--lime);font:700 24px/1 var(--serif)}.desktop-nav{display:flex;align-items:center;gap:32px;margin-left:auto;margin-right:34px}.desktop-nav>a,.nav-drop>button{font-weight:650;font-size:14px;border:0;background:none;padding:27px 0;cursor:pointer}.desktop-nav>a:hover,.nav-drop>button:hover{color:#438b73}.nav-drop{position:relative}.mega{position:absolute;top:68px;left:50%;transform:translate(-50%,8px);display:grid;grid-template-columns:1fr 1fr;gap:22px;width:470px;padding:24px;background:var(--white);border:1px solid var(--line);box-shadow:var(--shadow);opacity:0;visibility:hidden;transition:.18s}.nav-drop:hover .mega,.nav-drop:focus-within .mega{opacity:1;visibility:visible;transform:translate(-50%,0)}.mega div{display:flex;flex-direction:column}.mega-label{font-size:10px;text-transform:uppercase;letter-spacing:.12em;color:var(--muted);margin-bottom:8px}.mega a{padding:7px 0;font-weight:650}.mega a:hover{color:#438b73}.nav-cta{background:var(--deep);color:#fff;border-radius:999px;padding:11px 19px;font-size:13px;font-weight:750}.nav-cta span{color:var(--lime);margin-left:7px}.menu-button{display:none;background:none;border:0;padding:8px}.menu-button span:not(.sr-only){display:block;width:24px;height:2px;background:var(--ink);margin:5px}.mobile-nav{display:none}.kicker{display:flex;align-items:center;gap:9px;margin:0 0 20px;font-size:11px;text-transform:uppercase;letter-spacing:.14em;font-weight:800;color:#456b69}.kicker>span,.kicker>i{width:24px;height:2px;background:#4b987c}.kicker-light{color:#aad4c7}.kicker-light>span{background:var(--lime)}h1,h2,h3,p{margin-top:0}h1,h2{font-family:var(--serif);font-weight:500;letter-spacing:-.045em;line-height:.98;color:var(--ink)}h1{font-size:clamp(50px,6.5vw,91px)}h2{font-size:clamp(38px,4.4vw,62px)}h3{line-height:1.22}.hero-lede{font-size:18px;line-height:1.7;color:#516668;max-width:660px}.button-row{display:flex;align-items:center;gap:28px;flex-wrap:wrap}.button{display:inline-flex;justify-content:center;align-items:center;gap:18px;border:0;border-radius:999px;padding:14px 22px;font-size:13px;font-weight:800;cursor:pointer}.button-primary{background:var(--deep);color:#fff}.button-primary span{color:var(--lime)}.button-mint{background:var(--lime);color:var(--deep)}.button-white{background:var(--white);color:var(--deep)}.button-full{width:100%}.text-link{font-size:13px;font-weight:800;border-bottom:1px solid #adc0b8;padding:5px 0}.text-link span{margin-left:6px;color:#579376}.home-hero{padding:76px 0 90px;overflow:hidden;background:linear-gradient(110deg,var(--paper) 0 62%,#e5eee5 62%)}.hero-grid{display:grid;grid-template-columns:1.04fr .8fr;gap:88px;align-items:center}.hero-copy h1 em{color:#4e9a80;font-weight:500}.hero-copy .hero-lede{margin:30px 0}.trust-row{display:flex;gap:24px;margin-top:42px;color:#637575;font-size:11px;text-transform:uppercase;letter-spacing:.06em}.trust-row span{padding-right:24px;border-right:1px solid #ccd2c8}.trust-row span:last-child{border:0}.trust-row b{font-size:18px;color:var(--ink);display:block;letter-spacing:0}.hero-visual{position:relative}.image-frame{position:relative;background:#d6e8df;padding:18px 18px 0;transform:rotate(1.4deg);box-shadow:var(--shadow)}.image-frame:before{content:"";position:absolute;width:82px;height:22px;background:#ebe3cb;top:-10px;left:50%;transform:translateX(-50%) rotate(-2deg);z-index:2}.image-frame img{width:100%;aspect-ratio:4/3;object-fit:cover;filter:saturate(.86)}.image-tag{display:block;padding:13px 3px;text-transform:uppercase;letter-spacing:.12em;font-size:10px;font-weight:800}.coverage-note{position:absolute;left:-64px;bottom:-38px;background:var(--white);box-shadow:0 14px 38px rgba(8,42,44,.16);display:flex;gap:12px;align-items:center;padding:16px 20px;transform:rotate(-2deg)}.note-icon{display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--lime);font-weight:900}.coverage-note div{display:flex;flex-direction:column}.coverage-note strong{font-family:var(--serif);font-size:16px}.coverage-note div span{font-size:10px;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}.prompt-strip{background:var(--deep);color:#fff}.prompt-strip .shell{display:flex;align-items:center;min-height:86px;gap:34px}.prompt-strip p{margin:0;color:#aac2bd;font-size:11px;text-transform:uppercase;letter-spacing:.11em;font-weight:800;white-space:nowrap}.prompt-links{display:grid;grid-template-columns:repeat(5,1fr);width:100%;border-left:1px solid #315759}.prompt-links a{padding:14px 22px;border-right:1px solid #315759;font-family:var(--serif);font-size:17px;display:flex;justify-content:space-between}.prompt-links a span{color:var(--lime)}.prompt-links a:hover{background:#17474a}.section{padding-top:105px;padding-bottom:105px}.section-head{display:grid;grid-template-columns:1.1fr .7fr;gap:80px;align-items:end;margin-bottom:52px}.section-head h2{margin:0}.section-head>p{margin:0 0 6px;color:var(--muted);font-size:16px}.section-head.compact{align-items:center}.coverage-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:15px}.coverage-card{position:relative;min-height:330px;padding:25px;background:var(--white);border:1px solid #e3e2d8;display:flex;flex-direction:column;overflow:hidden;transition:transform .25s,box-shadow .25s}.coverage-card:nth-child(1),.coverage-card:nth-child(2){grid-column:span 3}.coverage-card:nth-child(n+3){grid-column:span 2;min-height:310px}.coverage-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}.coverage-card:after{content:"";position:absolute;right:-46px;top:-46px;width:145px;height:145px;border-radius:50%;background:var(--card-accent,#ddd);opacity:.18}.coverage-card.accent-coral{--card-accent:var(--coral)}.coverage-card.accent-amber{--card-accent:var(--amber)}.coverage-card.accent-violet{--card-accent:var(--violet)}.coverage-card.accent-mint{--card-accent:var(--mint)}.coverage-card.accent-blue{--card-accent:var(--blue)}.card-number{font:italic 14px var(--serif);color:#98a4a1}.card-icon{display:grid;place-items:center;width:49px;height:49px;margin:28px 0 22px;background:var(--card-accent);font:700 25px var(--serif);border-radius:50%}.coverage-card h3{font:500 27px var(--serif);margin:0 0 12px}.coverage-card p{font-size:13px;color:var(--muted);line-height:1.65}.card-link{margin-top:auto;text-transform:uppercase;letter-spacing:.08em;font-size:10px;font-weight:800}.card-link b{color:#529276;margin-left:5px}.feature-band{background:var(--deep);color:#fff;padding:105px 0}.feature-grid{display:grid;grid-template-columns:.9fr 1fr;gap:94px;align-items:center}.feature-image{position:relative;padding:16px;background:#1e5051}.feature-image img{aspect-ratio:4/3;object-fit:cover}.caption{padding:12px 2px 0;color:#99b7b3;font-size:10px;text-transform:uppercase;letter-spacing:.1em}.feature-copy h2{color:#fff}.feature-copy>p:not(.kicker){color:#bad0ca;max-width:610px}.audit-list{list-style:none;padding:10px 0 20px}.audit-list li{display:flex;gap:20px;border-top:1px solid #2e595a;padding:18px 0}.audit-list li>span{color:var(--lime);font:italic 15px var(--serif)}.audit-list strong{font-size:15px}.audit-list p{color:#96b3ae;margin:3px 0;font-size:13px}.magazine-grid{display:grid;grid-template-columns:repeat(2,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}.story-card{position:relative;min-height:230px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);padding:30px;background:rgba(255,255,255,.2)}.story-card>div{height:100%;display:flex;flex-direction:column}.story-featured{grid-row:span 2;display:grid;grid-template-rows:230px 1fr;gap:25px;padding:0}.story-featured img{width:100%;height:230px;object-fit:cover}.story-featured>div{padding:0 30px 30px}.story-label{font-size:10px;color:#53806f;text-transform:uppercase;letter-spacing:.11em;font-weight:800}.story-card h3{font:500 26px var(--serif);margin:11px 0}.story-card p{font-size:13px;color:var(--muted)}.story-arrow{margin-top:auto;align-self:flex-end;display:grid;place-items:center;width:38px;height:38px;border:1px solid #b8c5bd;border-radius:50%}.cta-panel{background:#62a98e;color:#092e30;padding:64px 0}.cta-panel .shell{display:flex;align-items:center;justify-content:space-between;gap:40px}.cta-panel h2{margin:0;max-width:820px;font-size:clamp(36px,4vw,57px)}
/* hubs and editorial pages */
.breadcrumbs{display:flex;gap:9px;align-items:center;font-size:11px;color:#6d7d7c;margin-bottom:38px}.breadcrumbs a:hover{color:#3f8b72}.hub-hero{padding:55px 0 70px;background:linear-gradient(118deg,#f5f2e8 0 63%,#e8eee4 63%)}.hub-hero-grid{display:grid;grid-template-columns:1.04fr .78fr;gap:80px;align-items:center}.hub-hero h1{font-size:clamp(49px,5.8vw,79px)}.hub-hero .hero-lede{margin:26px 0 32px}.hub-image{padding:15px;background:var(--white);box-shadow:var(--shadow);transform:rotate(1deg)}.hub-image img{width:100%;aspect-ratio:4/3;object-fit:cover}.metric-ribbon{background:var(--deep);color:#fff}.metric-ribbon .shell{display:grid;grid-template-columns:repeat(3,1fr)}.metric-ribbon .shell>div{padding:26px 30px;border-left:1px solid #315759}.metric-ribbon .shell>div:last-child{border-right:1px solid #315759}.metric-ribbon span,.metric-ribbon strong{display:block}.metric-ribbon span{color:#8facaa;text-transform:uppercase;letter-spacing:.1em;font-size:9px}.metric-ribbon strong{font:500 19px var(--serif);margin-top:5px;color:var(--lime)}.article-intro-grid{display:grid;grid-template-columns:.8fr 1fr;gap:100px;align-items:start}.article-intro-grid h2{font-size:50px}.lead-paragraph{font:500 25px/1.55 var(--serif);color:#324d4e}.table-section{padding-bottom:60px}.table-wrap{overflow-x:auto;border:1px solid var(--line);background:var(--white)}table{width:100%;border-collapse:collapse;min-width:650px}th{text-align:left;background:#e7ede3;padding:16px 20px;text-transform:uppercase;letter-spacing:.1em;font-size:9px;color:#52706a}td{padding:19px 20px;border-top:1px solid var(--line);font-size:13px;color:#566767}td:first-child{font-weight:750;color:var(--ink)}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.guide-card{display:flex;flex-direction:column;min-height:260px;background:var(--white);border:1px solid var(--line);padding:24px;transition:.2s}.guide-card:hover{border-color:#6eaa91;transform:translateY(-3px)}.guide-card>span{font:italic 13px var(--serif);color:#70a38f}.guide-card h3{font:500 24px var(--serif);margin:36px 0 10px}.guide-card p{font-size:13px;color:var(--muted)}.guide-card b{margin-top:auto;font-size:10px;text-transform:uppercase;letter-spacing:.08em;color:#4b8d74}.source-note{display:flex;justify-content:space-between;align-items:center;padding:24px 30px;margin-bottom:100px;background:#e6eadf;border-left:4px solid #5da086}.source-note div{display:flex;flex-direction:column}.source-note strong{font-size:12px}.source-note span{font-size:11px;color:var(--muted)}.source-note a{font-size:11px;font-weight:800}.page-hero{padding:95px 0 100px;background:linear-gradient(120deg,#e7eee4,var(--paper))}.page-hero.small{padding:70px 0}.page-hero h1{margin-bottom:28px}.page-hero .updated{display:block;margin-top:30px;font-size:10px;text-transform:uppercase;letter-spacing:.1em;color:var(--muted)}.article-header{padding-top:52px;padding-bottom:58px}.article-title-grid{display:grid;grid-template-columns:1.1fr .66fr;gap:90px;align-items:center}.article-title-grid h1{font-size:clamp(48px,5.5vw,76px)}.article-title-grid .hero-lede{margin:25px 0}.article-image{padding:12px;background:var(--white);box-shadow:var(--shadow);transform:rotate(1deg)}.article-image img{aspect-ratio:4/3;object-fit:cover}.byline{display:flex;gap:12px;align-items:center;margin-top:30px}.author-badge{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--deep);color:var(--lime);font:700 12px var(--serif)}.byline div{display:flex;flex-direction:column}.byline strong{font-size:12px}.byline div span{font-size:10px;color:var(--muted)}.article-layout{display:grid;grid-template-columns:190px minmax(0,730px) 210px;gap:50px;align-items:start;border-top:1px solid var(--line);padding-top:55px;padding-bottom:100px}.article-toc,.related-sidebar{position:sticky;top:130px}.article-toc>strong,.related-sidebar>strong{display:block;font-size:10px;text-transform:uppercase;letter-spacing:.11em;margin-bottom:14px}.article-toc nav{display:flex;flex-direction:column;border-left:1px solid #b9c4bc}.article-toc nav a{padding:6px 0 6px 14px;font-size:11px;color:#6f7b7b;line-height:1.4}.article-toc nav a.active{color:#3c846c;border-left:2px solid #3c846c;margin-left:-1px}.toc-cta{display:block;margin-top:24px;font-size:11px;font-weight:800;color:#3f8a70}.related-sidebar>a{display:flex;flex-direction:column;padding:13px 0;border-top:1px solid var(--line);font:500 15px/1.3 var(--serif)}.related-sidebar>a span{font:700 8px var(--sans);text-transform:uppercase;letter-spacing:.1em;color:#6d9384;margin-bottom:5px}.article-body{font-family:var(--serif);font-size:18px;line-height:1.83;color:#344c4d}.standfirst{font-size:25px;line-height:1.55;color:#193e40;border-left:4px solid #63a98e;padding-left:23px;margin:0 0 55px}.article-body section{margin-bottom:52px}.article-body h2{font-size:39px;line-height:1.12;margin-bottom:22px;scroll-margin-top:125px}.article-body p{margin-bottom:19px}.article-body .table-wrap{font-family:var(--sans)}.check-list{list-style:none;padding:0}.check-list li{position:relative;padding:15px 10px 15px 42px;border-top:1px solid var(--line)}.check-list li:before{content:"✓";position:absolute;left:10px;top:14px;display:grid;place-items:center;width:21px;height:21px;background:var(--lime);border-radius:50%;font:800 11px var(--sans)}.faq-list{font-family:var(--sans);border-top:1px solid var(--line)}.faq-list details{border-bottom:1px solid var(--line)}.faq-list summary{display:flex;justify-content:space-between;gap:20px;padding:20px 0;cursor:pointer;font-weight:750;font-size:14px;list-style:none}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary span{color:#528d77;font-size:20px}.faq-list details[open] summary span{transform:rotate(45deg)}.faq-list details p{font:15px/1.7 var(--sans);color:var(--muted);padding-right:35px}.editorial-note{display:flex;gap:15px;background:#e9eee5;padding:22px;margin:50px 0;font-family:var(--sans)}.editorial-note>span{display:grid;place-items:center;flex:0 0 25px;height:25px;border-radius:50%;background:var(--deep);color:var(--lime);font:italic 15px var(--serif)}.editorial-note p{font-size:11px;line-height:1.65;margin:0}.editorial-note strong{display:block;text-transform:uppercase;letter-spacing:.1em;font-size:9px;margin-bottom:5px}.source-card{display:flex;align-items:center;justify-content:space-between;border:1px solid var(--line);padding:20px;font-family:var(--sans)}.source-card div{display:flex;flex-direction:column}.source-card span{font-size:8px;text-transform:uppercase;letter-spacing:.12em;color:var(--muted)}.source-card strong{font-size:12px}.source-card a{font-size:10px;font-weight:800}.topic-filter{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:36px}.topic-filter button{border:1px solid #b8c4bc;background:transparent;padding:8px 14px;border-radius:999px;font-size:11px;cursor:pointer}.topic-filter button.active{background:var(--deep);color:#fff}.learn-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.learn-card{display:flex;flex-direction:column;min-height:280px;background:var(--white);border:1px solid var(--line);padding:27px}.learn-card h2{font-size:27px;line-height:1.18;margin:18px 0 12px}.learn-card p{font-size:13px;color:var(--muted)}.learn-card>a{margin-top:auto;font-size:10px;text-transform:uppercase;letter-spacing:.09em;font-weight:800;color:#43876e}
/* tools */
.tool-page{background:linear-gradient(120deg,var(--paper) 0 55%,#e4ece2 55%);padding:75px 0 100px}.tool-grid{display:grid;grid-template-columns:.8fr 1fr;gap:90px;align-items:start}.tool-copy h1{font-size:clamp(50px,5vw,74px)}.tool-copy h1 em{color:#4b997c}.privacy-points{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0;color:#4d7469;font-size:11px;font-weight:750}.callout{margin-top:40px;padding:20px;border-left:3px solid #60a189;background:rgba(255,255,255,.4)}.callout strong{font-size:12px}.callout p{font-size:12px;color:var(--muted);margin:5px 0}.planner-card{background:var(--white);border:1px solid var(--line);box-shadow:var(--shadow);padding:32px}.planner-progress>div:first-child{display:flex;justify-content:space-between;text-transform:uppercase;letter-spacing:.1em;font-size:9px;color:var(--muted)}.progress-track{height:4px;background:#e4e7df;margin:13px 0 32px}.progress-track i{display:block;width:33.33%;height:100%;background:#5da185;transition:.3s}.planner-step{display:none;min-height:425px}.planner-step.active{display:block}.planner-step h2{font-size:36px;margin-bottom:8px}.planner-step>p{font-size:13px;color:var(--muted);margin-bottom:25px}.choice-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.choice,.choice-wide{border:1px solid var(--line);background:#faf9f4;text-align:left;cursor:pointer;transition:.18s}.choice{padding:18px;display:flex;gap:12px;align-items:center}.choice>span{display:grid;place-items:center;width:34px;height:34px;background:#e5eee5;border-radius:50%;font-weight:800}.choice b{font-size:12px}.choice:hover,.choice.selected,.choice-wide:hover,.choice-wide.selected{border-color:#559177;background:#eef5e9}.choice-list{display:grid;gap:10px}.choice-wide{padding:18px;display:flex;flex-direction:column}.choice-wide b{font-size:14px}.choice-wide span{font-size:11px;color:var(--muted);margin-top:3px}.planner-nav{display:flex;justify-content:space-between;align-items:center;padding-top:22px;border-top:1px solid var(--line)}.planner-nav>button:first-child,.reset-link{border:0;background:none;font-size:11px;font-weight:800;cursor:pointer}.planner-nav>button:disabled{opacity:.35}.result-box{background:#eef2e9;padding:20px;margin:20px 0}.result-box h3{font:500 23px var(--serif);margin-bottom:12px}.result-box ol{padding-left:20px;font-size:12px}.result-box p{font-size:11px;color:var(--muted);margin-bottom:0}.reset-link{display:block;margin:15px auto 0}.calculator-shell{padding-top:55px}.calc-tabs{display:flex;border-bottom:1px solid var(--line);margin-bottom:30px}.calc-tabs button{border:0;background:none;padding:13px 23px;font-weight:750;font-size:12px;cursor:pointer;border-bottom:3px solid transparent}.calc-tabs button.active{border-color:#519379;color:#397660}.calc-panel{display:none;grid-template-columns:1fr .72fr;background:var(--white);border:1px solid var(--line)}.calc-panel.active{display:grid}.calc-form{padding:38px}.calc-form h2{font-size:35px;margin-bottom:28px}.calc-form label{display:flex;justify-content:space-between;align-items:center;gap:20px;border-top:1px solid var(--line);padding:14px 0;font-size:12px;font-weight:650}.calc-form label span{display:flex;align-items:center;background:#f0f1eb;border:1px solid #d8dcd2;padding:4px 8px}.calc-form input{width:120px;border:0;background:transparent;text-align:right;outline:none}.calc-result{background:var(--deep);color:#fff;padding:42px;display:flex;flex-direction:column;justify-content:center}.calc-result>span{text-transform:uppercase;letter-spacing:.11em;font-size:9px;color:#9dbab5}.calc-result>strong{font:500 50px var(--serif);color:var(--lime);margin:10px 0}.calc-result p{color:#b0c8c3;font-size:12px}.calc-result 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.site-footer{background:var(--deep-2);color:#dce8e3;padding-top:70px}.footer-grid{display:grid;grid-template-columns:2fr repeat(3,1fr);gap:70px;padding-bottom:65px}.brand-light{color:#fff}.brand-light .brand-mark{background:var(--lime);color:var(--deep)}.footer-intro p{max-width:340px;color:#91ada8;font-size:13px;margin-top:18px}.footer-intro .fine{font-size:10px}.footer-grid>div:not(.footer-intro){display:flex;flex-direction:column;gap:8px}.footer-grid h2{font:700 9px var(--sans);text-transform:uppercase;letter-spacing:.14em;color:var(--lime);margin-bottom:8px}.footer-grid a:not(.brand){font-size:12px;color:#b2c7c2}.footer-grid a:hover{color:#fff}.footer-bottom{display:flex;justify-content:space-between;border-top:1px solid #2b5152;padding:20px 0;color:#779894;font-size:9px;text-transform:uppercase;letter-spacing:.1em}html.js .reveal{opacity:0;transform:translateY(18px);transition:.7s ease}html.js .reveal.visible{opacity:1;transform:none}.delay-1{transition-delay:.12s}
.global-ad-wrap{padding-top:28px;padding-bottom:28px}.ad-zone{position:relative;display:flex;align-items:center;justify-content:center;width:100%;min-height:120px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#faf8f1}.ad-label{position:absolute;top:7px;left:50%;transform:translateX(-50%);color:#7d8d89;font-size:8px;font-weight:700;letter-spacing:.14em;text-transform:uppercase}.pw-placeholder-container{width:100%;min-height:90px}
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.snapshot-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;font-family:var(--sans)}.snapshot-grid article{padding:20px;background:#edf1e8;border-top:3px solid #5da086}.snapshot-grid h3{margin:0 0 10px;font:750 13px var(--sans);color:var(--ink)}.snapshot-grid p{margin:0;font-size:13px;line-height:1.65;color:var(--muted)}.question-list{padding:0;counter-reset:quote-question;list-style:none}.question-list li{position:relative;counter-increment:quote-question;padding:15px 12px 15px 46px;border-top:1px solid var(--line)}.question-list li:before{content:counter(quote-question);position:absolute;left:8px;top:15px;width:24px;height:24px;display:grid;place-items:center;border-radius:50%;background:var(--deep);color:var(--lime);font:700 11px var(--sans)}@media(max-width:780px){.snapshot-grid{grid-template-columns:1fr}}
.process-chart{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}.process-chart article{position:relative;min-height:230px;padding:25px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:rgba(255,255,255,.35)}.process-chart article:not(:last-child):after{content:"→";position:absolute;right:-12px;top:24px;z-index:1;width:24px;height:24px;display:grid;place-items:center;border-radius:50%;background:var(--deep);color:var(--lime)}.process-chart span,.architecture-grid span{font:italic 14px var(--serif);color:#5c9d83}.process-chart h3{margin:36px 0 10px;font:500 24px var(--serif)}.process-chart p{margin:0;color:var(--muted);font-size:13px}.architecture-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.architecture-grid article{display:flex;flex-direction:column;min-height:240px;padding:23px;background:var(--white);border:1px solid var(--line)}.architecture-grid h3{margin:25px 0 10px;font:500 25px var(--serif)}.architecture-grid p{font-size:13px;color:var(--muted)}.architecture-grid strong{margin-top:auto;font-size:11px;color:#477e6b}@media(max-width:780px){.process-chart,.architecture-grid{grid-template-columns:1fr 1fr}.process-chart article:not(:last-child):after{display:none}}@media(max-width:520px){.process-chart,.architecture-grid{grid-template-columns:1fr}}
.scorecard-grid h3{font-size:26px;margin:30px 0 10px}.compare-layers h3{font-size:29px;margin:28px 0 8px}.legal-layout>div>section>section{margin:28px 0}.legal-layout h3{font:500 25px var(--serif);margin-bottom:8px}.table-note{font-size:12px;color:var(--muted);margin-top:12px}
html,body{max-width:100%;overflow-x:clip}.related-reading-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;font-family:var(--sans)}.related-reading-grid article{padding:18px;background:var(--white);border:1px solid var(--line)}.related-reading-grid h3{font:500 21px var(--serif);margin:0 0 8px}.related-reading-grid p{font-size:12px;line-height:1.6;color:var(--muted)}.related-reading-grid article>a{font-size:10px;font-weight:800;color:#43876e}@media(max-width:520px){.related-reading-grid{grid-template-columns:1fr}}
main p a:not(.button):not(.text-link),.contextual-inline-link{color:#176b51!important;font-weight:800;text-decoration:underline!important;text-decoration-color:#4e9e80!important;text-decoration-thickness:2px!important;text-underline-offset:3px}.contextual-note{padding:15px 18px;border-left:3px solid #61a48a;background:#edf2e9;font-family:var(--sans);font-size:14px;line-height:1.7}.article-intro-grid>div:last-child>p:last-child{margin-bottom:0;color:var(--muted)}.article-context-links{display:flex;align-items:center;gap:8px;flex-wrap:wrap;margin:-22px 0 42px;padding:17px 18px;background:var(--deep);color:#fff;font-family:var(--sans)}.article-context-links strong{margin-right:5px;color:var(--lime);font-size:10px;text-transform:uppercase;letter-spacing:.1em}.article-context-links a{padding:6px 10px;border:1px solid #477071;border-radius:999px;color:#fff;font-size:11px;font-weight:750}.article-context-links a:hover{border-color:var(--lime);color:var(--lime)}@media(max-width:520px){.article-context-links{align-items:flex-start;flex-direction:column}.article-context-links a{width:100%}}
/* Responsive hardening: grid children may not force the document wider than the viewport. */
html,body{width:100%;max-width:100%;overflow-x:hidden}.shell,main,main>*,.article-layout,.article-body,.article-body>*,.article-title-grid,.article-title-grid>*,.hero-grid>*,.hub-hero-grid>*,.tool-grid>*,.prose-grid>*,.contact-grid>*,.section-head>*,.calc-panel>*,.table-wrap,.snapshot-grid,.snapshot-grid>*,.architecture-grid>*,.process-chart>*,.related-reading-grid>*{min-width:0;max-width:100%}.table-wrap{width:100%;overscroll-behavior-x:contain;-webkit-overflow-scrolling:touch}.article-body h1,.article-body h2,.article-body h3,.article-body p,.article-body li,.page-hero h1,.hub-hero h1{overflow-wrap:anywhere}.article-body img,.planner-card,.contact-form,.audit-items{max-width:100%}
@media(max-width:900px){
  .shell{width:min(100% - 32px,1240px)}
  .utility-bar,.desktop-nav,.nav-cta{display:none}
  .site-header{z-index:400}.nav-row{height:68px}.menu-button{display:grid;place-items:center;margin-left:auto;width:48px;height:48px;position:relative;z-index:402;cursor:pointer;touch-action:manipulation}.menu-button span:not(.sr-only){width:27px;transition:transform .2s,opacity .2s;margin:3px}.menu-button[aria-expanded="true"] span:nth-child(1){transform:translateY(8px) rotate(45deg)}.menu-button[aria-expanded="true"] span:nth-child(2){opacity:0}.menu-button[aria-expanded="true"] span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}
  .mobile-nav{display:none;position:fixed;z-index:300;inset:68px 0 0;background:var(--white);padding:22px max(20px,calc((100vw - 1240px)/2));flex-direction:column;overflow-y:auto;overscroll-behavior:contain}.mobile-nav.open{display:flex}.mobile-nav a{display:block;padding:13px 4px;border-bottom:1px solid var(--line);font:500 25px/1.25 var(--serif)}
  .hero-grid,.hub-hero-grid,.feature-grid,.article-title-grid,.tool-grid,.prose-grid,.contact-grid,.section-head,.article-intro-grid{grid-template-columns:minmax(0,1fr);gap:34px}
  .article-layout{grid-template-columns:minmax(0,1fr);gap:0;padding-top:24px}.article-toc{position:static;margin-bottom:34px;padding:18px;background:#e6ebe2}.article-toc nav{display:none}.related-sidebar{display:none}
  .snapshot-grid{grid-template-columns:minmax(0,1fr)}.coverage-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.coverage-card:nth-child(n){grid-column:span 1}.guide-grid,.learn-grid,.scorecard-grid,.help-grid,.principles{grid-template-columns:repeat(2,minmax(0,1fr))}
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}
@media(max-width:600px){
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