:root{--blue:#1234cc;--navy:#111d3c;--ink:#14213d;--muted:#56647b;--line:#dce3ee;--paper:#f4f7fc;--accent:#ffb344;--white:#fff;font-family:Arial,Helvetica,sans-serif;color:var(--ink);scroll-behavior:smooth}*{box-sizing:border-box}body{margin:0;background:white;overflow-wrap:anywhere}a{color:inherit;text-decoration:none}a:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid #ff9820;outline-offset:5px}img{max-width:100%;display:block;width:100%;height:auto}figure{margin:0}button,summary{font:inherit}.wrap{width:min(1240px,calc(100% - 72px));margin-inline:auto}.skip{position:fixed;top:8px;left:8px;background:var(--navy);color:white;padding:14px;z-index:100;transform:translateY(-200%)}.skip:focus{transform:none}.topline{background:var(--navy);color:#edf4ff;font-size:.875rem;padding:12px 0}.topline .wrap{display:flex;justify-content:space-between;gap:20px}.masthead{display:flex;align-items:center;justify-content:space-between;padding-block:25px;gap:30px;position:relative}.brand{display:flex;align-items:center;gap:12px;font-size:1.2rem;font-weight:800;min-width:0}.brand small{display:block;letter-spacing:.26em;font-size:.75rem;margin-top:4px;color:var(--blue)}.brand-mark{background:var(--blue);color:white;font-size:1.1rem;letter-spacing:-.04em;width:54px;height:54px;display:grid;place-content:center;border-radius:14px;position:relative;flex-shrink:0}.brand-mark span{position:absolute;right:6px;bottom:6px;width:7px;height:7px;background:var(--accent);border-radius:2px}.desktop-nav{display:flex;align-items:center;gap:30px;font-size:.94rem;font-weight:600}.desktop-nav a:hover{text-decoration:underline;text-underline-offset:6px}.nav-cta{padding:13px 17px;background:var(--paper);border:1px solid var(--line);border-radius:7px}.mobile-nav{display:none}.home-hero{background:linear-gradient(110deg,#f1f6ff 0%,#f6f9ff 55%,#e9effb 55%);padding:34px 0 48px}.hero-grid{display:grid;grid-template-columns:.93fr 1.07fr;align-items:center;gap:44px}.eyebrow{text-transform:uppercase;letter-spacing:.11em;font-size:.8rem;font-weight:700;line-height:1.7;margin:0 0 18px}.blue{color:var(--blue)}h1,h2,h3{margin:0;font-weight:800;line-height:1.09;letter-spacing:-.045em}.hero-copy h1{font-size:clamp(2.6rem,4.7vw,4.4rem)}.hero-copy h1 span{color:var(--blue)}.hero-lead{font-size:1.17rem;line-height:1.65;color:var(--muted);max-width:440px;margin:25px 0 29px}.hero-actions{display:flex;flex-wrap:wrap;gap:12px}.button{display:inline-flex;justify-content:center;align-items:center;min-height:49px;padding:14px 21px;font-size:.94rem;font-weight:700;border-radius:7px;line-height:1.4;max-width:100%}.primary{background:var(--blue);color:white;border:1px solid var(--blue)}.primary:hover{background:#0e2499}.outline{border:1px solid #b6c1d4;background:white}.outline:hover{background:#e4ebfa}.hero-small{font-size:.875rem;line-height:1.7;color:var(--muted);margin-top:27px}.hero-photo{position:relative;padding-bottom:42px}.hero-photo img{border-radius:18px;aspect-ratio:3/2;object-fit:cover}.hero-photo figcaption{position:absolute;bottom:0;right:22px;left:34px;background:var(--blue);color:white;border-radius:11px;padding:22px 25px;box-shadow:0 16px 28px #1234cc16}.image-tag{color:#d4defe;display:block;font-size:.75rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase}.hero-photo strong{display:block;font-size:1.3rem;margin:10px 0}.hero-photo figcaption>span:last-child{font-size:.875rem;color:#e0e7ff}.service-strip{display:grid;grid-template-columns:repeat(5,1fr);border:1px solid var(--line);border-radius:10px;margin-top:28px;overflow:hidden}.service-strip a{padding:23px 12px;text-align:center;font-weight:700;font-size:.94rem;border-right:1px solid var(--line);background:white}.service-strip a:last-child{border:none}.service-strip a:hover{background:var(--blue);color:white}.services{padding-top:84px;padding-bottom:90px;scroll-margin-top:25px}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:48px;margin-bottom:38px}.section-heading h2,.prep h2,.home-faq h2,.related h2{font-size:clamp(2rem,3.3vw,3rem)}.section-heading>p{max-width:400px;font-size:1rem;line-height:1.8;color:var(--muted);margin:0}.service-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:22px}.service-card{display:block;border:1px solid var(--line);border-radius:12px;overflow:hidden;background:white;transition:transform .2s,box-shadow .2s}.service-card:hover{transform:translateY(-4px);box-shadow:0 12px 30px #132f6610}.card-image{position:relative}.card-image img{aspect-ratio:3/2;object-fit:cover}.card-number{position:absolute;left:15px;bottom:14px;background:white;padding:7px 9px;border-radius:5px;font-size:.8rem;font-weight:700;letter-spacing:.08em}.card-text{padding:23px 21px}.card-text .eyebrow{font-size:.875rem;letter-spacing:.08em;margin-bottom:10px;color:var(--muted)}.card-text h3{font-size:1.3rem;letter-spacing:-.035em;line-height:1.2}.card-text>p:not(.eyebrow){font-size:.94rem;line-height:1.75;color:var(--muted);margin:16px 0 21px}.card-link{font-size:.9rem;font-weight:700;color:var(--blue);display:inline-block;border-bottom:1px solid #b6c5f7;padding-bottom:5px}.method{background:var(--navy);color:white;padding:70px 0}.method .eyebrow{color:#abc1ff}.method .section-heading>p{color:#c1cce2}.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:32px;border-top:1px solid #344260;padding-top:35px}.step>span{color:var(--accent);font-size:.85rem;font-weight:700;letter-spacing:.1em}.step h3{font-size:1.35rem;margin-top:16px;line-height:1.2}.step p{font-size:.94rem;line-height:1.75;color:#c1cce2}.prep{display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:80px;padding-top:95px;padding-bottom:95px}.prep figure img{border-radius:14px}.prep figcaption{font-size:.8rem;color:var(--muted);padding-top:12px}.prep p:not(.eyebrow){font-size:1rem;line-height:1.8;color:var(--muted);margin-top:24px}.prep-list{padding:0;list-style:none;margin:22px 0 28px;display:grid;gap:12px}.prep-list li{padding-left:22px;position:relative;font-size:.94rem}.prep-list li:before{content:'+';color:var(--blue);position:absolute;left:0;font-weight:800}.home-faq{max-width:900px;padding-bottom:95px}.home-faq h2{margin-bottom:30px}.faq{border:1px solid var(--line);border-radius:8px;margin-block:13px;background:white}.faq summary{cursor:pointer;font-weight:700;font-size:1rem;line-height:1.5;padding:20px 23px;list-style-position:inside}.faq summary:hover{color:var(--blue)}.faq p{margin:0!important;padding:0 23px 23px;color:var(--muted);font-size:1rem;line-height:1.8}.faq[open]{border-color:#aabcee}.breadcrumb{padding-top:24px;display:flex;gap:12px;flex-wrap:wrap;font-size:.875rem;color:var(--muted);line-height:1.8;border-top:1px solid var(--line)}.breadcrumb a:hover{text-decoration:underline}.article-hero{display:grid;grid-template-columns:1.07fr .93fr;align-items:center;gap:62px;padding-block:44px 55px}.article-hero h1{font-size:clamp(2.4rem,3.6vw,3.55rem);line-height:1.1}.lead{font-size:1.12rem;line-height:1.8;color:var(--muted);margin-block:23px}.read-meta{display:flex;flex-wrap:wrap;gap:12px;font-size:.85rem}.read-meta span{border:1px solid var(--line);border-radius:5px;padding:8px 11px;background:var(--paper)}.concept-note{font-size:.875rem;line-height:1.7;color:var(--muted);border-left:3px solid var(--blue);padding-left:14px;margin-top:23px}.article-hero figure img{border-radius:13px;aspect-ratio:3/2;object-fit:cover}.article-hero figcaption{font-size:.8rem;color:var(--muted);padding:11px 0;line-height:1.5}.article-layout{display:grid;grid-template-columns:270px minmax(0,780px);justify-content:space-between;gap:70px;align-items:start;padding-top:20px}.article-sidebar{position:sticky;top:24px;min-width:0}.toc{background:var(--paper);border:1px solid var(--line);border-radius:9px;overflow:hidden}.toc summary{padding:20px;font-weight:700;cursor:pointer;font-size:1rem}.toc nav{display:grid;padding:0 20px 20px;max-height:65vh;overflow:auto;gap:14px}.toc a{font-size:.88rem;line-height:1.6;color:var(--muted)}.toc a:hover{color:var(--blue);text-decoration:underline}.side-link{display:block;font-size:.875rem;font-weight:700;color:var(--blue);padding:20px 4px;line-height:1.6}.prose{min-width:0}.article-section{scroll-margin-top:28px;padding-bottom:25px;margin-bottom:27px;border-bottom:1px solid #edf0f7}.article-section h2,.sources h2{font-size:1.65rem;line-height:1.25;margin:0 0 25px;letter-spacing:-.035em}.prose p{font-size:1.125rem;line-height:1.85;margin:0 0 24px;color:#33415b}.prose a{color:var(--blue);text-decoration:underline;text-underline-offset:4px}.article-photo{margin:9px 0 52px}.article-photo img{border-radius:11px;aspect-ratio:16/8;object-fit:cover}.article-photo figcaption{font-size:.85rem;color:var(--muted);padding-top:13px;line-height:1.7}.table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:8px;margin-block:22px 30px}table{border-collapse:collapse;min-width:560px;width:100%;font-size:1rem;line-height:1.6}th{text-align:left;background:var(--blue);color:white;font-weight:700}th,td{padding:17px 19px;vertical-align:top;border-bottom:1px solid var(--line)}tbody tr:nth-child(even){background:var(--paper)}tbody tr:last-child td{border-bottom:0}.sources{background:var(--paper);border-radius:10px;padding:30px;margin-top:30px}.sources ul{padding-left:22px;line-height:1.8}.sources li{margin-bottom:12px;font-size:1rem}.sources .source-date{font-size:.85rem;margin-top:20px;margin-bottom:0}.related{padding-top:85px;padding-bottom:90px}.related h2{margin-bottom:35px}.related-grid{grid-template-columns:repeat(3,minmax(0,1fr))}footer{background:var(--navy);color:white;padding-top:55px}.foot-grid{display:grid;grid-template-columns:1fr 1fr;gap:95px;padding-bottom:45px}.foot-brand{font-weight:800;font-size:1.45rem;letter-spacing:-.03em}.foot-grid p{font-size:1rem;line-height:1.8;color:#c1cce2}.foot-grid .concept{font-size:.85rem;max-width:430px}.foot-grid nav{display:grid;grid-template-columns:1fr 1fr;gap:18px;font-size:.9rem;align-content:start;line-height:1.6}.foot-grid nav a:hover{text-decoration:underline}.foot-bottom{border-top:1px solid #33415c;padding-block:25px;display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;font-size:.8rem;line-height:1.8;color:#c1cce2}.foot-bottom a{color:white}.error-page{padding-block:90px 120px}.error-page h1{font-size:3.4rem}.error-page p:not(.eyebrow){font-size:1.1rem;line-height:1.8;margin-block:28px}
@media(max-width:1100px){.service-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.related-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.hero-grid{gap:30px}.hero-photo figcaption{left:20px;right:15px}.article-layout{gap:35px;grid-template-columns:240px minmax(0,1fr)}.article-hero{gap:35px}.prep{gap:45px}.steps{gap:20px}.desktop-nav{gap:22px}}
@media(max-width:760px){.wrap{width:calc(100% - 40px)}.topline{padding-block:10px}.topline .wrap>span{display:none}.masthead{padding-block:18px;gap:12px;flex-wrap:wrap}.brand{flex:1 1 190px;font-size:1.03rem}.brand-mark{width:44px;height:44px;font-size:.9rem}.desktop-nav{display:none}.mobile-nav{display:block;flex-shrink:0}.mobile-nav summary{cursor:pointer;border:1px solid var(--line);padding:10px 12px;border-radius:6px;font-size:.875rem;list-style:none}.mobile-nav summary::-webkit-details-marker{display:none}.mobile-nav nav{position:absolute;left:0;right:0;top:100%;width:100%;background:white;z-index:30;box-shadow:0 15px 30px #12345322;border:1px solid var(--line);border-radius:8px;padding:18px;display:grid;max-height:70vh;overflow:auto}.mobile-nav nav a{padding:11px 6px;border-bottom:1px solid var(--line);font-size:.95rem;line-height:1.5}.mobile-nav nav small{display:block;color:var(--muted);font-size:.8rem;margin-top:3px}.home-hero{padding-top:35px;background:var(--paper);padding-bottom:34px}.hero-grid{grid-template-columns:1fr;gap:33px}.hero-copy h1{font-size:2.75rem}.hero-lead{font-size:1.07rem;max-width:none;margin:22px 0}.hero-small{margin-top:21px}.hero-photo{padding-bottom:31px}.hero-photo figcaption{left:16px;right:16px;padding:18px}.hero-photo strong{font-size:1.12rem}.hero-photo figcaption>span:last-child{font-size:.8rem}.service-strip{grid-template-columns:repeat(3,minmax(0,1fr));margin-top:24px}.service-strip a{padding:17px 9px;font-size:.8rem;border-bottom:1px solid var(--line)}.service-strip a:nth-child(3){border-right:0}.service-strip a:nth-child(n+4){border-bottom:0}.services{padding-top:52px;padding-bottom:55px}.section-heading{display:block;margin-bottom:28px}.section-heading>p{margin-top:22px}.section-heading h2,.prep h2,.home-faq h2,.related h2{font-size:2.15rem}.service-grid,.related-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}.card-text{padding:18px 15px}.card-text h3{font-size:1.14rem}.card-text .eyebrow{font-size:.875rem}.card-text>p:not(.eyebrow){font-size:.9rem}.method{padding-block:50px}.steps{grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}.step h3{font-size:1.2rem}.prep{grid-template-columns:1fr;gap:33px;padding-block:56px}.prep figure{order:2}.home-faq{padding-bottom:55px}.faq summary{padding:18px;font-size:.97rem}.faq p{padding:0 18px 18px;font-size:1rem}.breadcrumb{font-size:.8rem;padding-top:19px;gap:7px}.article-hero{grid-template-columns:1fr;padding-block:30px;gap:25px}.article-hero h1{font-size:2.35rem}.lead{font-size:1.06rem}.article-layout{display:block;padding-top:10px}.article-sidebar{position:static;margin-bottom:35px}.toc nav{max-height:300px}.toc a{font-size:.9rem}.article-section h2,.sources h2{font-size:1.5rem}.prose p{font-size:1.06rem;line-height:1.85}.article-photo img{aspect-ratio:3/2}.sources{padding:23px}.related{padding-block:55px}.foot-grid{grid-template-columns:1fr;gap:30px;padding-bottom:35px}.foot-grid nav{gap:16px}.foot-bottom{gap:15px}.error-page h1{font-size:2.6rem}}
@media(max-width:430px){.wrap{width:calc(100% - 32px)}.hero-copy h1{font-size:2.45rem}.hero-actions{display:grid;grid-template-columns:1fr}.service-grid,.related-grid{grid-template-columns:1fr}.card-image img{aspect-ratio:16/10}.card-text{padding:23px}.card-text h3{font-size:1.35rem}.card-text .eyebrow{font-size:.8rem}.card-text>p:not(.eyebrow){font-size:1rem}.steps{grid-template-columns:1fr}.step{border-bottom:1px solid #344260;padding-bottom:12px}.article-hero h1{font-size:2.1rem}.section-heading h2,.prep h2,.home-faq h2,.related h2{font-size:2rem}.foot-grid nav{grid-template-columns:1fr}.hero-photo figcaption{left:12px;right:12px}.image-tag{font-size:.875rem}.hero-photo figcaption>span:last-child{display:block;line-height:1.5}.brand{flex-basis:175px}}
@media(prefers-reduced-motion:reduce){:root{scroll-behavior:auto}.service-card{transition:none}.service-card:hover{transform:none}}

/* Accessible small-screen caption flow and service labels. */
@media(max-width:760px){.hero-photo{padding-bottom:0}.hero-photo figcaption{position:relative;left:auto;right:auto;bottom:auto;margin:-24px 12px 0}.card-text .eyebrow{font-size:.875rem}.service-strip a{font-size:.875rem}}