:root{--ink:#152f44;--navy:#193e58;--deep:#102a3d;--teal:#267f85;--teal-dark:#1e676d;--light-teal:#e3f1f1;--line:#dbe5ea;--line-strong:#c6d7df;--paper:#fff;--cloud:#f4f8fa;--slate:#536a79;--grey:#6d8492;--tint:#edf5f6;--max:1220px;--radius:12px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:104px}body{margin:0;background:#fff;color:var(--ink);font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Inter,Arial,sans-serif;line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased;overflow-x:clip}img,svg{display:block;max-width:100%}a{color:#176877;text-underline-offset:3px}a:hover{color:#0c4551}button,input,textarea{font:inherit}button:focus-visible,a:focus-visible,summary:focus-visible{outline:3px solid #e0a85f;outline-offset:3px}h1,h2,h3,p{margin-top:0}h1,h2,h3{letter-spacing:-.03em;line-height:1.22}p{line-height:1.76}strong{font-weight:720}.shell{width:min(calc(100% - 64px),var(--max));margin-inline:auto}.skip-link{position:absolute;left:16px;top:-120px;background:var(--navy);color:#fff;padding:12px 18px;border-radius:7px;z-index:9999}.skip-link:focus{top:10px;color:#fff}.top-line{background:var(--deep);color:#c9dfe7;font-size:10px;letter-spacing:.17em;font-weight:720}.top-line__inner{display:flex;justify-content:space-between;align-items:center;min-height:28px;gap:20px}.site-header{position:sticky;top:0;z-index:100;background:#fffffffb;border-bottom:1px solid var(--line);box-shadow:0 4px 18px #132f4409}.header-inner{display:flex;align-items:center;gap:30px;min-height:79px}.brand{display:flex;align-items:center;gap:12px;flex:0 0 auto;text-decoration:none;color:var(--ink)}.brand:hover{color:var(--ink)}.brand-mark{display:block;width:40px;height:40px;border:2px solid #1d7280;border-radius:10px;background:#e7f4f3;position:relative}.brand-mark i{display:block;position:absolute;background:#1d7280;border-radius:3px}.brand-mark i:first-child{width:22px;height:5px;top:16px;left:7px}.brand-mark i:last-child{width:5px;height:22px;left:16px;top:7px}.brand-text{display:block;line-height:1;font-size:23px;font-weight:830;letter-spacing:-.06em}.brand-text>span{color:var(--teal)}.brand-text small{display:block;font-size:9px;text-transform:uppercase;letter-spacing:.11em;font-weight:660;color:#7a8c98;margin-top:8px}.site-nav{display:flex;align-items:center;justify-content:center;gap:clamp(8px,1.35vw,22px);margin-left:auto}.site-nav a{color:#42596b;text-decoration:none;font-size:12.5px;font-weight:680;padding:12px 10px;border-radius:6px;white-space:nowrap}.site-nav a:hover{background:#ecf5f6;color:#17626c}.site-nav a.current{color:#136b77;background:#e6f2f2}.header-partner{flex:0 0 auto}.menu-toggle{display:none}.js-partner-cta{display:inline-flex;vertical-align:middle}.cta-button{display:inline-flex;align-items:center;justify-content:center;gap:16px;min-height:52px;border-radius:7px;padding:12px 23px;background:#206e79;color:#fff!important;text-decoration:none;font-weight:750;font-size:14px;line-height:1.2;text-align:center;border:1px solid transparent;transition:background .18s,transform .18s;box-shadow:0 8px 19px #1e5a671a}.cta-button:hover{background:#155a66;transform:translateY(-1px)}.cta-button span{font-size:19px;line-height:1}.cta-button--header{min-height:42px;padding:9px 14px;background:var(--navy);font-size:12px;box-shadow:none}.cta-button--header:hover{background:var(--teal-dark)}.cta-button--dark{background:var(--navy);box-shadow:none}.cta-button--dark:hover{background:var(--deep)}.crumbs{min-height:54px;display:flex;align-items:center;gap:11px;color:var(--grey);font-size:12px}.crumbs a{color:#436374;text-decoration:none}.crumbs span:last-child{font-weight:660;color:var(--slate)}.hero{display:grid;grid-template-columns:1.05fr .95fr;gap:28px;align-items:center;min-height:480px;border:1px solid #dce9ed;border-radius:15px;background:linear-gradient(122deg,#f4f9fa,#edf5f6 58%,#f8fbfc);overflow:hidden;position:relative}.hero-body{padding:52px 0 58px 54px;position:relative;z-index:2}.hero--inner{min-height:420px}.hero--inner .hero-body{padding-top:48px;padding-bottom:48px}.eyebrow{display:inline-flex;align-items:center;gap:9px;font-size:10px;letter-spacing:.16em;color:#1d6d78;font-weight:800;margin-bottom:19px}.eyebrow-icon{display:inline-grid;place-items:center;width:22px;height:22px;border:1.5px solid #7ca9af;border-radius:5px;font-size:21px;font-weight:550;line-height:1}.hero h1{font-size:clamp(33px,3.45vw,49px);max-width:720px;color:#14334a;letter-spacing:-.052em;margin:0 0 22px;line-height:1.12;font-weight:810}.hero--inner h1{font-size:clamp(32px,3vw,43px)}.hero-lead{font-size:clamp(16px,1.3vw,19px);color:#466171;line-height:1.64;max-width:625px;margin-bottom:25px}.hero-actions{display:flex;align-items:center;flex-wrap:wrap;gap:16px}.text-action{font-size:13px;font-weight:730;text-decoration:none;color:#215e6c}.text-action span{margin-left:4px}.disclaimer-inline{font-size:11px;color:#6f8792;margin-top:17px;margin-bottom:0}.hero-media{align-self:stretch;min-height:100%;display:flex;align-items:center;justify-content:center;padding:20px 16px 20px 0;overflow:hidden}.hero-media img{width:100%;max-height:455px;object-fit:contain;filter:saturate(.9)}.hero--inner .hero-media img{max-height:402px}.intro-summary{display:flex;align-items:flex-start;gap:30px;padding:27px 36px;margin-top:24px;border:1px solid #d7e5e9;border-radius:11px;background:#fff}.summary-title{flex:0 0 190px;border-right:1px solid var(--line);padding-right:24px}.summary-title>span{font-size:10px;font-weight:800;letter-spacing:.15em;color:var(--teal)}.summary-title h2{font-size:21px;margin:7px 0 0}.intro-summary ul{padding:0;margin:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;list-style:none}.intro-summary li{font-size:12.5px;line-height:1.5;color:#405c6b;display:flex;align-items:flex-start;gap:11px}.check{display:grid;place-items:center;background:#e8f5f3;border-radius:50%;color:#177b77;width:23px;height:23px;flex:0 0 23px;font-weight:800}.layout{display:grid;grid-template-columns:minmax(0,1fr) 273px;gap:50px;margin-top:58px;align-items:start}.content{min-width:0}.editorial-note{display:flex;gap:15px;border-left:4px solid #2a8c91;border-radius:5px;background:#eef6f7;padding:19px 21px;margin-bottom:35px;color:#3d6171}.editorial-note .note-symbol{flex:0 0 25px;width:25px;height:25px;border-radius:50%;background:#2d8188;color:#fff;display:grid;place-items:center;font-weight:800;font-size:16px}.editorial-note strong{font-size:13px;color:#174457}.editorial-note p{font-size:12.5px;line-height:1.57;margin:5px 0 0}.article-section{padding:0 0 24px;margin-bottom:32px;border-bottom:1px solid var(--line);scroll-margin-top:112px}.section-kicker{font-size:10px;letter-spacing:.16em;font-weight:810;color:#27808a;margin-bottom:13px}.article-section h2,.data-section h2,.faq h2,.sources h2{font-size:clamp(23px,2.25vw,31px);font-weight:800;color:#17364d;margin:0 0 20px;line-height:1.24}.article-section p{font-size:15px;color:#354d5c;line-height:1.84;margin-bottom:17px}.article-section p:last-child{margin-bottom:0}.article-section strong{color:#173e53}.content a:not(.cta-button){color:#136d7c}.content a:not(.cta-button):hover{color:#063e4d}.table-scroll{width:100%;max-width:100%;overflow-x:auto;border:1px solid #d4e2e7;border-radius:8px;scrollbar-color:#a6c5cd transparent}.data-section{margin:24px 0 45px;scroll-margin-top:112px}.data-head{display:flex;gap:14px;align-items:center;margin-bottom:20px}.data-head__icon{display:grid;place-items:center;width:43px;height:43px;border-radius:8px;background:#e3f2f3;color:#1a7280;font-size:30px;font-weight:500}.data-head h2{margin:0}.data-head .section-kicker{margin-bottom:5px}table{border-collapse:collapse;width:100%;min-width:570px;font-size:12.5px;line-height:1.52}table caption{text-align:left;padding:0;height:1px;width:1px;overflow:hidden;position:absolute;clip:rect(0,0,0,0);white-space:nowrap}thead{background:#1c455e;color:#fff}th,td{text-align:left;vertical-align:top;padding:13px 16px;border-bottom:1px solid #dde7ea}th:first-child,td:first-child{width:27%}tbody th{font-weight:730;color:#1a4055;background:#edf5f7}tbody tr:nth-child(2n) td{background:#f8fbfc}thead th{border-color:#28546d;font-weight:680}.table-caption{font-size:11px;color:#6e8290;margin:11px 0 0}.inline-promo{margin:34px 0 46px;display:flex;align-items:center;justify-content:space-between;gap:25px;padding:27px 29px;border-radius:11px;background:linear-gradient(105deg,#e2f0f2,#eef7f7);border:1px solid #c9e2e7}.inline-promo span:not(.js-partner-cta){display:block;font-size:10px;letter-spacing:.16em;color:#1e7180;font-weight:800;margin-bottom:8px}.inline-promo strong{display:block;font-size:19px;color:#174153;line-height:1.4}.inline-promo p{margin:7px 0 0;font-size:12px;color:#5e7a86;line-height:1.55}.inline-promo .js-partner-cta{flex:0 0 auto}.context-panel{background:#f6f9fa;border:1px solid var(--line);border-radius:11px;padding:26px;margin:30px 0 44px}.context-panel__label{color:#236d78;font-size:10px;letter-spacing:.14em;font-weight:800}.context-panel h3{font-size:21px;margin:9px 0 19px}.context-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.context-grid>div{background:#fff;border:1px solid var(--line);border-radius:8px;padding:15px}.context-grid b{font-size:12px;color:#21495a}.context-grid p{font-size:11.5px;color:#627986;margin:6px 0 0;line-height:1.58}.sidebar{position:sticky;top:113px}.toc{background:#fff;border:1px solid #dbe5e9;border-radius:11px;max-height:65vh;overflow:auto}.toc-header{display:flex;align-items:center;gap:10px;padding:20px 20px 13px;background:#f7fafb;border-bottom:1px solid var(--line);font-size:15px}.toc-symbol{color:#2b8b91;font-size:22px}.toc ol{list-style:none;padding:13px 0;margin:0}.toc li{margin:0}.toc a{display:block;padding:9px 18px 9px 20px;color:#567080;font-size:11.5px;line-height:1.4;font-weight:560;text-decoration:none;border-left:3px solid transparent}.toc a:hover,.toc a.active{color:#155966;background:#eff8f8;border-left-color:#298c8f}.sidebar-offer{margin-top:20px;padding:26px 22px;border-radius:11px;background:#1b425a;color:#fff}.sidebar-offer>span:not(.js-partner-cta){font-size:9px;letter-spacing:.15em;color:#90d1d2;font-weight:780}.sidebar-offer h3{font-size:20px;margin:13px 0 9px;color:#fff}.sidebar-offer p{font-size:12px;line-height:1.6;color:#d1e1e6;margin-bottom:18px}.sidebar-offer .cta-button{font-size:12px;background:#f7ffff;color:#194d5b!important;box-shadow:none;width:100%;min-height:43px;padding:9px 12px}.sidebar-offer .cta-button:hover{background:#d9f2f3}.faq{padding:13px 0 24px;margin:12px 0 28px;scroll-margin-top:112px}.faq details{border-bottom:1px solid var(--line)}.faq details:first-of-type{border-top:1px solid var(--line)}.faq summary{display:flex;justify-content:space-between;align-items:center;cursor:pointer;gap:10px;padding:17px 7px;font-size:14.5px;font-weight:700;color:#23495c;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary span{font-size:24px;font-weight:400;color:#2b818a;transition:transform .15s}.faq details[open] summary span{transform:rotate(45deg)}.faq details p{margin:0 10px 18px 7px;font-size:13px;line-height:1.74;color:#54707e}.sources{border:1px solid var(--line);background:#f8fbfc;padding:26px 27px;border-radius:11px;scroll-margin-top:112px}.sources h2{font-size:25px;margin-bottom:11px}.sources>p{color:#5f7988;font-size:12px;line-height:1.7}.sources ul{list-style:none;padding:0;margin:0}.sources li{padding:13px 0;border-top:1px solid var(--line);display:grid;gap:4px}.sources a{font-size:13px;font-weight:720;line-height:1.5}.sources li>span{font-size:11.5px;color:#6b8490;line-height:1.55}.related{padding-top:77px;padding-bottom:80px}.related-head{max-width:650px;margin-bottom:25px}.related-head h2{font-size:32px;margin-bottom:8px}.related-head p{color:#627987;margin:0;font-size:14px}.related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:19px}.related-card{display:flex;flex-direction:column;align-items:flex-start;min-height:214px;padding:24px;border:1px solid var(--line);border-radius:10px;background:#fff;text-decoration:none;transition:border-color .2s,transform .2s,background .2s}.related-card:hover{border-color:#8bbbbe;transform:translateY(-2px);background:#f5fafb}.related-dot{display:grid;place-items:center;background:#e4f4f4;border-radius:7px;color:#277a83;font-weight:800;font-size:20px;width:34px;height:34px;margin-bottom:17px}.related-card strong{font-size:17px;color:#234657;line-height:1.3}.related-card p{font-size:12px;color:#607a88;line-height:1.62;margin:9px 0 20px}.related-link{margin-top:auto;color:#147586;font-size:12px;font-weight:750}.closing-cta{background:var(--navy);color:#fff;border-top:6px solid #2f898c}.closing-cta>.shell{padding-block:46px;display:flex;align-items:center;justify-content:space-between;gap:55px}.closing-cta .section-kicker{color:#8de2df}.closing-cta h2{font-size:clamp(23px,2.5vw,35px);max-width:700px;color:#fff;margin:0 0 12px}.closing-cta p{max-width:680px;color:#c9dce5;font-size:13px;margin:0}.closing-cta .cta-button{background:#d8f0ee;color:#174b59!important;box-shadow:none;white-space:nowrap}.closing-cta .cta-button:hover{background:#fff}.footer{background:#f4f8f9;border-top:1px solid #dce8ed}.footer-top{display:flex;gap:60px;justify-content:space-between;padding-top:42px;padding-bottom:38px}.footer-brand strong{font-size:21px;letter-spacing:-.05em;color:#1b4759}.footer-brand p{font-size:12px;max-width:370px;line-height:1.7;margin:8px 0 0;color:#607988}.footer-top nav{display:flex;flex-wrap:wrap;gap:14px 24px;justify-content:flex-end;max-width:550px;align-content:center}.footer-top nav a{font-size:12px;color:#285a6a;text-decoration:none}.footer-top nav a:hover{text-decoration:underline}.footer-bottom{border-top:1px solid #dce7eb;padding-top:18px;padding-bottom:30px;display:flex;justify-content:space-between;gap:45px}.footer-bottom p{font-size:10.5px;line-height:1.6;color:#78909b;max-width:580px;margin:0}.simple-message{min-height:100vh;display:grid;place-items:center;padding:20px;background:#f4f8fa}.simple-message__inner{max-width:610px;padding:49px;border-radius:12px;background:#fff;border:1px solid #d4e3e8}.simple-message h1{font-size:36px;margin:10px 0 18px}.simple-message p{font-size:15px;color:#4a6b7b}.simple-message code{background:#eff5f7;padding:2px 5px;border-radius:4px}@media(max-width:1160px){.shell{width:min(calc(100% - 48px),var(--max))}.header-inner{gap:14px}.site-nav{gap:2px}.site-nav a{padding:11px 7px;font-size:11px}.brand-text{font-size:20px}.header-partner .cta-button{padding-inline:10px}.layout{gap:26px;grid-template-columns:minmax(0,1fr) 242px}.hero-body{padding-left:38px}}@media(max-width:940px){.header-inner{min-height:71px}.menu-toggle{display:flex;flex:0 0 43px;width:43px;height:43px;flex-direction:column;justify-content:center;align-items:center;gap:5px;border:1px solid #d7e4e8;border-radius:7px;background:#fff;margin-left:auto;cursor:pointer}.menu-toggle span{height:2px;width:18px;background:#244759;border-radius:3px}.site-nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;box-shadow:0 14px 20px #19374814;padding:12px 24px 20px;flex-direction:column;align-items:stretch;border-bottom:1px solid var(--line)}.site-nav.is-open{display:flex}.site-nav a{font-size:14px;padding:12px 15px}.header-partner{margin-left:0}.layout{grid-template-columns:minmax(0,1fr)}.sidebar{position:static;display:none}.hero{min-height:400px}.hero-body{padding-left:31px}.intro-summary{gap:16px;padding:22px 24px}.summary-title{flex-basis:160px}.intro-summary ul{gap:12px}.related{padding-top:40px}}@media(max-width:700px){html{scroll-padding-top:90px}.shell{width:calc(100% - 34px)}.top-line__inner span:last-child{display:none}.header-inner{min-height:69px}.brand-mark{width:37px;height:37px}.brand-mark i:first-child{top:14px;left:5px}.brand-mark i:last-child{top:5px;left:14px}.header-partner{display:none}.hero{display:flex;flex-direction:column;gap:0;min-height:0}.hero-body{padding:30px 27px 17px}.hero h1,.hero--inner h1{font-size:clamp(29px,7vw,40px);max-width:100%;margin-bottom:17px}.hero-lead{font-size:15px;line-height:1.63}.hero-actions{align-items:stretch;gap:14px}.hero-actions .js-partner-cta,.hero-actions .cta-button{width:100%}.text-action{padding:7px 0}.disclaimer-inline{line-height:1.6}.hero-media{max-height:240px;width:100%;padding:0 15px 14px}.hero-media img{max-height:240px}.intro-summary{margin-top:16px;display:block;padding:23px}.summary-title{padding:0 0 16px;border-right:0;border-bottom:1px solid var(--line)}.summary-title h2{font-size:22px}.intro-summary ul{grid-template-columns:1fr;gap:12px;margin-top:18px}.intro-summary li{font-size:12.5px}.layout{margin-top:33px}.article-section{margin-bottom:29px;padding-bottom:23px}.article-section h2{font-size:25px}.article-section p{font-size:14.5px;line-height:1.8}.data-section h2,.faq h2,.sources h2{font-size:25px}.editorial-note{padding:16px}.inline-promo{flex-direction:column;align-items:stretch;padding:22px}.inline-promo .js-partner-cta,.inline-promo .cta-button{width:100%}.context-grid{grid-template-columns:1fr;gap:10px}.context-panel{padding:18px}.table-scroll table{min-width:590px}.related-grid{grid-template-columns:1fr}.related-card{min-height:150px;padding:19px}.related-card p{margin-bottom:13px}.related{padding-bottom:48px}.closing-cta>.shell{display:block;padding-block:40px}.closing-cta .js-partner-cta{width:100%;margin-top:23px}.closing-cta .cta-button{width:100%}.footer-top{display:block;padding-top:32px}.footer-top nav{margin-top:21px;justify-content:flex-start;gap:12px 18px}.footer-bottom{display:block}.footer-bottom p+p{margin-top:10px}}@media(max-width:370px){.shell{width:calc(100% - 26px)}.brand-text{font-size:19px}.brand-text small{font-size:8px}.hero-body{padding:25px 19px 15px}.hero h1,.hero--inner h1{font-size:28px}.hero-lead{font-size:14px}.article-section h2{font-size:23px}.cta-button{font-size:13px;padding-inline:13px}.sources{padding:19px}.related-head h2{font-size:28px}}@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition:none!important;animation:none!important}}