*{box-sizing:border-box}html{scroll-behavior:auto;scroll-padding-top:100px}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:#162d3e;background:white;line-height:1.6}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}button,a,input,select,textarea,summary{outline-offset:5px}a:hover{color:#476c88}header{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid #e4e9ed}.wrap{width:min(1220px,90%);margin:auto}.head{min-height:92px;display:flex;align-items:center;justify-content:space-between;gap:30px}.brand{display:inline-flex;align-items:center;gap:10px;white-space:nowrap;font-size:24px;letter-spacing:-1px;font-weight:400;line-height:1.15}.brand svg{width:39px;height:39px;flex-shrink:0}.brand b{font-weight:700}.head nav{display:flex;gap:25px}.head nav a,footer nav a{font-size:14px;font-weight:500}.head nav a[aria-current]{color:#366780;text-decoration:underline;text-underline-offset:9px}.menu{display:none}.hero{background:#f3f5f7;overflow:hidden}.hero-grid{display:grid;grid-template-columns:47% 53%;min-height:527px;position:relative;align-items:center}.hero-copy{z-index:2;position:relative;padding:25px 0 38px}.eyebrow{font-size:11px;font-weight:bold;letter-spacing:2.1px;text-transform:uppercase;color:#5b7284;margin:0 0 18px}.hero h1{font-weight:500;font-size:66px;line-height:1.04;letter-spacing:-3px;margin:0 0 24px}.hero-copy>p:not(.eyebrow){font-size:19px;line-height:1.65;color:#566977;margin:0 0 25px}.actions{display:flex;gap:22px;align-items:center;flex-wrap:wrap}.button{display:inline-flex;align-items:center;gap:20px;padding:14px 21px;background:#193c53;color:white;border:1px solid #193c53;border-radius:2px;cursor:pointer;font-size:13px;font-weight:bold;line-height:1.6}.button:hover{color:#fff;background:#2c5571}.plain,.text-link{font-size:13px;font-weight:bold}.hero-meta{font-size:9px;font-weight:bold;letter-spacing:1.5px;display:flex;align-items:center;gap:10px;color:#68808f;margin-top:30px}.hero-meta i{width:3px;height:3px;border-radius:100%;background:#91a1ad}.hero-visual{position:absolute;right:-11%;width:74%;height:100%;top:0;display:flex;align-items:center;pointer-events:none;mask-image:linear-gradient(90deg,transparent 0%,black 25%,black 93%,transparent 100%)}.hero-visual img{width:100%;height:100%;object-fit:contain;mix-blend-mode:multiply}.principles{display:grid;grid-template-columns:repeat(3,1fr);padding:28px 0;border-bottom:1px solid #e2e8ec}.principles>div{display:grid;grid-template-columns:32px 1fr;line-height:1.4;padding:0 23px;border-right:1px solid #dde5e9}.principles>div:first-child{padding-left:0}.principles>div:last-child{border:0}.principles span{grid-row:span 2;font-size:11px;color:#8193a0;padding-top:4px}.principles b{font-size:14px}.principles small{font-size:11px;color:#6c7b86;padding-top:4px}.section{padding:72px 0}h1,h2,h3,p{overflow-wrap:break-word}h2{font-size:32px;line-height:1.2;letter-spacing:-1px;font-weight:500;margin:0 0 22px}h3{font-size:22px;line-height:1.25;font-weight:500;letter-spacing:-.5px;margin:12px 0}p{color:#596c79;font-size:15px}small{color:#6d7f8b}.section-heading{display:flex;align-items:flex-end;justify-content:space-between;gap:30px;margin-bottom:35px}.section-heading h2{margin:0}.three{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}.two{display:grid;grid-template-columns:1fr 1fr;gap:30px}.numbered{padding:22px 30px 18px 0;border-top:2px solid #c6d1d9}.numbered>span{font-size:10px;letter-spacing:1.5px;color:#687f90}.numbered p{font-size:14px;margin-bottom:0}.source-note{font-size:11px;border-top:1px solid #e3eaef;padding-top:18px}.source-note a{font-size:11px;font-weight:400}.soft{background:#f4f7f9}.calculator{display:grid;grid-template-columns:1.25fr 1fr;gap:60px;margin:0}.calc-inputs>p{max-width:460px}.fields{display:grid;grid-template-columns:1fr 1fr;gap:18px 22px;margin-top:28px}label{font-size:12px;font-weight:bold;display:block;color:#3f596d}input,select,textarea{display:block;width:100%;padding:12px 13px;border:1px solid #cbd6de;border-radius:2px;background:white;color:#193c53;margin-top:7px;min-width:0}textarea{resize:vertical}.note{font-size:11px!important;color:#667d8d;line-height:1.65}.calc-result{background:#193c53;color:white;padding:36px;align-self:center}.result-label{font-size:11px;letter-spacing:1px;color:#becbd5}.calc-result strong{display:block;font-size:40px;letter-spacing:-1px;font-weight:400;margin:12px 0 20px;overflow-wrap:anywhere}.calc-result dl{margin:0}.calc-result dl>div{display:flex;justify-content:space-between;gap:15px;border-top:1px solid #426073;padding:12px 0;font-size:12px}.calc-result dd{margin:0;text-align:right}.calc-result .total{font-weight:bold}.calc-result p{font-size:11px;color:#c5d1d9}.calc-result summary{cursor:pointer;font-size:11px;color:#e4edf4}.calc-result #calc-error{color:#ffe1aa}.research-feature{display:grid;grid-template-columns:1fr 1.3fr;gap:75px;border-top:1px solid #ccd9e2;border-bottom:1px solid #ccd9e2;padding:40px 0;align-items:center}.large-number{font-size:70px;letter-spacing:-4px;color:#193c53;line-height:1.2}.large-number span{font-size:24px;letter-spacing:-1px;margin-left:8px}.research-feature p{margin:10px 0}.research-feature small{font-size:10px}.research-feature h3{margin-top:0;font-size:29px}.closing{background:#1b3548;color:white;padding:65px 0}.closing .eyebrow{color:#a8bfce}.closing h2{font-size:42px;letter-spacing:-1.6px}.closing p{color:#becbd4}.light{background:#eef3f6;border-color:#eef3f6;color:#1b3548;margin-top:12px}.disclosure{font-size:11px;color:#70838f;padding:25px 0}footer{background:#f3f5f6;padding:36px 0 20px;border-top:1px solid #e3e9ec}.foot-top{display:flex;align-items:center;justify-content:space-between}.foot-top p{font-size:13px}footer nav{display:flex;gap:27px;flex-wrap:wrap;margin-top:28px}.foot-bottom{display:flex;justify-content:space-between;gap:20px;font-size:10px;color:#758793;border-top:1px solid #dbe3e8;margin-top:27px;padding-top:20px}.page-intro{padding:58px 0 38px}.page-intro h1{font-size:53px;line-height:1.1;letter-spacing:-2px;font-weight:500;margin:0 0 22px}.lede{max-width:780px;font-size:19px}.content{padding-bottom:70px}.content .calculator{margin:65px 0}.notice{background:#edf3f7;border-left:3px solid #5e7c91;padding:22px 26px;margin:0 0 32px;font-size:14px}.notice p{margin:6px 0 0}.card{padding:28px;background:#f3f6f8;border:1px solid #e1e8ed;align-self:start}.card h2{font-size:27px}.prose{max-width:810px}.prose h2{margin-top:36px}.prose h3{margin-top:24px}.prose p,.prose li{line-height:1.8;font-size:16px;color:#566c7b}.directory>article{display:grid;grid-template-columns:170px 220px 1fr 160px;align-items:center;gap:25px;border-bottom:1px solid #dbe3e9;padding:24px 0}.directory h2{font-size:22px;margin:0}.directory .eyebrow{margin:0;font-size:9px}.directory p{font-size:13px}.guide>article{display:grid;grid-template-columns:90px 1fr;max-width:900px;padding:30px 0;border-top:1px solid #dbe4ea}.guide>article>span{font-size:33px;color:#93a5b2}.guide>article p{font-size:16px}.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:85px}.email{font-size:19px;overflow-wrap:anywhere}form>label{margin:20px 0}.consent{font-size:11px;font-weight:400;display:block}.consent input{display:inline;width:auto;vertical-align:middle;margin:0 7px 0 0}.consent a{text-decoration:underline}.trap{position:absolute;left:-9999px}.skip{position:absolute;top:-80px;background:white;padding:10px;z-index:100}.skip:focus{top:0}#form-status{font-size:12px}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:2px solid #5991b6}@media(max-width:1100px){.head nav{gap:16px}.brand{font-size:21px}.head nav a{font-size:12px}.hero h1{font-size:60px}.hero-grid{min-height:497px}.directory>article{grid-template-columns:130px 160px 1fr 130px}.hero-meta{font-size:8px;letter-spacing:.8px}}@media(max-width:780px){.wrap{width:89%}.head{min-height:77px;flex-wrap:wrap;gap:0}.brand{font-size:21px;letter-spacing:-.8px}.brand svg{width:32px;height:32px}.menu{display:block;border:1px solid #c8d4dc;background:white;color:#24485d;font-size:12px;padding:7px 12px}.head nav{display:none;flex-direction:column;width:100%;gap:0;padding:15px 0}.head nav.open{display:flex}.head nav a{font-size:14px;padding:9px 0}.hero-grid{display:flex;flex-direction:column;align-items:stretch;min-height:0}.hero-copy{padding:38px 0 0}.hero h1{font-size:55px;letter-spacing:-2.6px;line-height:1.02;margin-bottom:20px}.hero-copy>p:not(.eyebrow){font-size:16px;margin-bottom:20px}.hero .eyebrow{font-size:9px;letter-spacing:1.5px}.actions{gap:16px}.button{padding:12px 15px;font-size:12px}.plain{font-size:12px}.hero-meta{font-size:7px;gap:7px;letter-spacing:.7px;margin-top:21px}.hero-visual{position:relative;right:auto;width:112%;margin:0 -6%;height:255px;mask-image:linear-gradient(90deg,transparent,black 9%,black 94%,transparent)}.hero-visual img{object-fit:contain}.principles{padding:24px 0;gap:18px;grid-template-columns:1fr}.principles>div{padding:0;border:0;grid-template-columns:30px 1fr}.principles b{font-size:13px}.principles small{font-size:11px}.section{padding:44px 0}.section-heading{display:block;margin-bottom:25px}.section-heading>a{display:block;margin-top:20px}h2{font-size:28px}.three,.two{grid-template-columns:1fr;gap:22px}.numbered{padding:18px 0}.numbered h3{font-size:22px}.calculator{grid-template-columns:1fr;gap:25px}.fields{gap:16px}.calc-result{padding:26px}.calc-result strong{font-size:37px}.research-feature{grid-template-columns:1fr;gap:30px;padding:28px 0}.large-number{font-size:65px}.research-feature h3{font-size:26px}.closing{padding:44px 0}.closing h2{font-size:34px}.foot-top{display:block}.foot-top p{margin-top:18px}footer nav{gap:15px 22px}footer nav a{font-size:12px}.foot-bottom{display:block;line-height:1.8}.foot-bottom span{display:block;margin-bottom:8px}.page-intro{padding:40px 0 25px}.page-intro h1{font-size:42px}.lede{font-size:17px}.content{padding-bottom:45px}.directory>article{grid-template-columns:1fr;gap:8px;padding:22px 0}.directory p{margin:0}.guide>article{grid-template-columns:40px 1fr;gap:10px}.guide>article>span{font-size:25px}.guide h2{font-size:25px}.contact-grid{grid-template-columns:1fr;gap:28px}.content .calculator{margin:40px 0}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}