@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700;800&family=Playfair+Display:wght@500;600;700;800&display=swap');:root{--ink:#172536;--muted:#536476;--navy:#101f31;--orange:#ed6a43;--cream:#fff9f0;--line:#e3e7e9;--light:#f4f7f8}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.75 'DM Sans',Arial,sans-serif;color:var(--ink);background:#fff}a{color:inherit}img{max-width:100%;height:auto}h1,h2,h3{line-height:1.18}h1,h2{font-family:'Playfair Display',Georgia,serif;letter-spacing:-.025em}h1{font-size:clamp(2.5rem,5vw,4.6rem);margin:18px 0}h2{font-size:clamp(1.75rem,3vw,2.55rem);margin:0 0 18px}h3{font-size:1.16rem}p{margin:0 0 19px;color:#415164}.wrap{width:min(1190px,calc(100% - 42px));margin:auto}.topline{background:#eaf0ef;text-align:center;padding:7px;font-size:12px;color:#3e5560}.header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:78px}.brand{font-family:Georgia,serif;font-weight:800;font-size:22px;text-decoration:none;line-height:1.1}.brand span{display:block;color:var(--orange);font:700 10px 'DM Sans';letter-spacing:2px;text-transform:uppercase;margin-top:5px}.navlinks{display:flex;align-items:center;gap:25px;font-weight:700;font-size:13px}.navlinks a{text-decoration:none}.navlinks a:hover{color:var(--orange)}.pill,.cta{display:inline-block;background:var(--orange);color:#fff!important;text-decoration:none;padding:13px 20px;border-radius:4px;font-weight:800;font-size:14px}.menu{display:none;border:1px solid var(--line);background:white;font-size:22px;padding:5px 11px}.mast{background:var(--cream);border-bottom:1px solid #f1e6d7;padding:56px 0 60px}.mastgrid{display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center}.kicker{font-weight:800;letter-spacing:2px;font-size:11px;text-transform:uppercase;color:#ba5030}.lead{font-size:19px;line-height:1.7}.cover{background:#e7ece9;padding:25px;border-radius:3px;position:relative}.cover img{display:block;width:100%;max-height:390px;object-fit:contain}.caption{font-size:11px;color:#6a7782;margin-top:8px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}.outline{border:1px solid #83909a;padding:12px 18px;border-radius:4px;text-decoration:none;font-weight:800;font-size:14px}.statline{background:var(--navy);color:white}.statrow{display:grid;grid-template-columns:repeat(4,1fr)}.stat{padding:20px 25px;border-right:1px solid #364353}.stat b{display:block;font-size:22px;color:#ffb493}.stat span{font-size:12px;color:#c9d2d9}.layout{display:grid;grid-template-columns:minmax(0,760px) minmax(245px,1fr);gap:65px;padding:65px 0}.article section{margin-bottom:54px;scroll-margin-top:105px}.article h2{border-bottom:1px solid var(--line);padding-bottom:16px}.article h3{margin-top:27px}.article ul,.article ol{padding-left:24px;color:#415164}.article li{margin-bottom:10px}.sidebar{align-self:start;position:sticky;top:105px}.sidebox{background:#f3f6f5;border:1px solid var(--line);padding:23px;margin-bottom:18px}.sidebox h3{margin-top:0}.sidebox a:not(.cta){display:block;padding:9px 0;border-bottom:1px solid #dce3e4;text-decoration:none;font-size:13px;font-weight:700}.sidebox .cta{display:block;text-align:center}.notice{background:#fff5e9;border-left:4px solid var(--orange);padding:20px 24px;margin:25px 0;color:#495462}.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:15px}.card{padding:23px;background:var(--light);border:1px solid var(--line)}.card h3{margin:0 0 8px}.card p{font-size:14px;margin:0}.number{font-size:11px;letter-spacing:1px;color:#b95231;font-weight:800}.table{width:100%;border-collapse:collapse}.table td,.table th{border:1px solid var(--line);padding:13px;text-align:left;font-size:14px}.table th{background:#eff3f4}.reviewstrip{background:#172b3d;color:#fff;padding:30px;margin:35px 0}.reviewstrip p{color:#d8e2e8}.reviewstrip h3{margin:0 0 10px;color:#fff}details{border-bottom:1px solid var(--line);padding:15px 0}summary{cursor:pointer;font-weight:800}details p{padding-top:12px;font-size:14px}.footer{background:#101f31;color:#fff;padding:44px 0}.footer p{color:#b7c5d0;font-size:12px}.footnav{display:flex;flex-wrap:wrap;gap:16px;margin:15px 0}.footnav a{color:#fff;font-size:13px}.subhero{background:#f1f5f5;padding:55px 0 43px}.subhero .wrap{max-width:1000px}.subhero p{max-width:800px}.reading{width:min(820px,calc(100% - 42px));margin:55px auto}.reading section{margin:0 0 42px}.reading h2{font-size:30px}.breadcrumbs{font-size:12px;margin-bottom:15px}.breadcrumbs a{color:#b95231}@media(max-width:850px){.mastgrid,.layout{grid-template-columns:1fr}.sidebar{position:static}.statrow{grid-template-columns:repeat(2,1fr)}.navlinks{display:none;position:absolute;top:78px;left:0;right:0;background:white;padding:20px;flex-direction:column;align-items:stretch;box-shadow:0 20px 30px #0001}.navlinks.open{display:flex}.menu{display:block}.mast{padding:40px 0}.layout{gap:5px;padding-top:40px}}@media(max-width:540px){.cards,.statrow{grid-template-columns:1fr}.wrap{width:calc(100% - 30px)}h1{font-size:2.45rem}.stat{padding:13px 18px}.cover{padding:14px}.actions a{width:100%;text-align:center}}