*{box-sizing:border-box}body{margin:0;background:#f7fafc;color:#16263c;font:17px/1.65 system-ui,-apple-system,Segoe UI,sans-serif}a{color:#1464a0}a:hover{text-decoration-thickness:2px}.wrap{max-width:1120px;margin:auto;padding:0 24px}header{background:#102a43;color:white}header .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px;padding-top:18px;padding-bottom:18px;flex-wrap:wrap}header a{color:white;text-decoration:none}.brand{font-weight:800;font-size:1.4rem;letter-spacing:-.04em}.brand span{color:#64d8c5}nav{display:flex;gap:18px;flex-wrap:wrap;font-size:.9rem}main{min-height:65vh}.hero{background:#102a43;color:white;padding:70px 0}.hero h1{font-size:clamp(2.2rem,5vw,4rem);line-height:1.12;max-width:850px}.hero p{max-width:740px;color:#d6e7f3}.eyebrow{color:#2fbea8;font-weight:750;text-transform:uppercase;letter-spacing:.12em;font-size:.75rem}.hero .eyebrow{color:#7ce5d4}.btn{display:inline-block;background:#087e78;color:white;padding:13px 21px;border-radius:9px;font-weight:750;text-decoration:none;border:0;cursor:pointer}.btn:hover{background:#08645f;color:white}.btn.secondary{background:#e8f3f7;color:#102a43}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(255px,1fr));gap:18px;margin:25px 0 45px}.tile,.panel{background:white;border:1px solid #dce5ed;border-radius:14px;padding:24px;box-shadow:0 3px 16px #102a4308}.tile h3{margin:0 0 8px;font-size:1.12rem}.tile p{font-size:.92rem;color:#50647a}.tile a{text-decoration:none}.article{max-width:790px;margin:45px auto 80px}.article h1{font-size:clamp(2rem,4vw,3.25rem);line-height:1.14}.article h2{margin-top:40px;line-height:1.25}.article p,.article li{color:#30475e}.article .lead{font-size:1.23rem}.disclosure{background:#eaf5f3;border-left:4px solid #087e78;padding:12px 16px;font-size:.88rem;color:#254b50}.cta{background:#102a43;color:white;border-radius:14px;padding:28px;margin:35px 0}.cta p{color:#d6e7f3}.crumb{font-size:.82rem;color:#60758b}.crumb a{color:#48647e}.meta{font-size:.85rem;color:#62768a}footer{background:#102a43;color:#dce8f2;padding:38px 0}footer a{color:#dce8f2}footer .wrap{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}input{padding:11px;border:1px solid #aab9c7;border-radius:7px;width:100%;font:inherit}label{display:block;font-weight:650;margin:12px 0 5px}.calc{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:14px}.result{font-size:1.4rem;font-weight:800}@media(max-width:650px){nav{gap:12px}.hero{padding:42px 0}.article{margin-top:25px}}
/* Accessible navigation, fixed-in-flow sticky header and editorial sidebar */
header{position:sticky;top:0;z-index:100;box-shadow:0 3px 12px #102a4320}
header .wrap{max-width:1300px}
.header-cta{display:inline-flex;align-items:center;justify-content:center;background:#64d8c5!important;color:#102a43!important;padding:9px 14px;border-radius:8px;font-weight:800;white-space:nowrap}
.header-cta:focus-visible,.btn:focus-visible,a:focus-visible,input:focus-visible{outline:3px solid #e6a83e;outline-offset:3px}
.skip-link{position:absolute;top:-90px;left:12px;background:white;color:#102a43;padding:12px;z-index:200}.skip-link:focus{top:8px}
.content-layout{display:grid;grid-template-columns:minmax(0,790px) minmax(220px,270px);gap:35px;max-width:1160px;margin:0 auto;padding:0 24px;align-items:start}
.content-layout>.article{width:100%;margin:45px 0 80px;padding:0;min-width:0}
.sidebar{position:static;margin-top:45px}
.sidebar .panel{margin-bottom:20px}
.sidebar h2{font-size:1.12rem;margin:0 0 12px}
.sidebar p,.sidebar li{font-size:.89rem}
.sidebar ul{padding-left:18px}
.sidebar .btn{font-size:.9rem;text-align:center}
.article h2{scroll-margin-top:110px}
@media(max-width:850px){.content-layout{display:block}.sidebar{margin:-30px 0 45px}.content-layout>.article{margin-bottom:45px}header .wrap{gap:12px}header nav{order:3;width:100%;overflow-x:auto;flex-wrap:nowrap;padding-bottom:4px}header nav a{white-space:nowrap;font-size:.8rem}.header-cta{margin-left:auto;font-size:.82rem}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition:none!important}}


@media(max-width:850px){}