:root{--paper:#f6f5f0;--ink:#1b252e;--muted:#52606b;--line:#d8dcd9;--blue:#244cba;--pale:#e8eef6;--white:#fff;--radius:24px;color-scheme:light;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--ink);background:var(--paper);font-synthesis:none}
*{box-sizing:border-box}
html{scroll-behavior:auto;scroll-padding-top:30px}
body{margin:0;font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
a,summary{-webkit-tap-highlight-color:transparent}
a:focus-visible,summary:focus-visible{outline:3px solid var(--blue);outline-offset:6px;border-radius:3px}
button,a,summary{touch-action:manipulation}
::selection{background:#ccd8fb;color:var(--ink)}
h1,h2,h3,p{margin:0}
h1,h2,h3{line-height:1.12;letter-spacing:-.045em}
p{color:var(--muted)}
.page-shell{width:min(1232px,calc(100% - 96px));margin:auto}
.skip-link{position:fixed;top:12px;left:12px;z-index:20;padding:12px 20px;background:var(--ink);color:white;transform:translateY(-160%)}
.skip-link:focus{transform:translateY(0)}
.site-header{min-height:116px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid var(--line);gap:24px}
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.monogram{font-size:43px;font-weight:750;letter-spacing:-.10em;line-height:1}
.monogram span{color:var(--blue)}
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nav{display:flex;align-items:center;gap:34px;font-size:13px;font-weight:550}
nav a{padding:9px 0}
nav a:hover,.text-link:hover,.back-top:hover{color:var(--blue)}
.nav-contact{display:flex;align-items:center;gap:28px}
.nav-contact span{font-size:20px}
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h1{font-size:clamp(44px,4.8vw,67px);font-weight:500;line-height:1.06;letter-spacing:-.052em;margin-top:28px;max-width:650px}
h1 em{font-family:Georgia,"Times New Roman",serif;font-weight:400;color:var(--blue);letter-spacing:-.045em}
.hero-intro{max-width:435px;margin-top:29px;font-size:16px;line-height:1.7}
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.button:hover{transform:translateY(-2px)}
.button span{font-size:19px;font-weight:400}
.button-primary{background:var(--blue);color:var(--white)}
.button-primary:hover{background:#1a3b95}
.text-link{display:inline-flex;align-items:center;gap:16px;font-size:12px;font-weight:600;min-height:44px}
.text-link span{font-size:18px}
.research-note{align-self:center;background:var(--pale);padding:26px 29px 22px;border-radius:var(--radius);position:relative;transform:rotate(1deg)}
.note-topline{display:flex;justify-content:space-between;align-items:center;font-size:9px;letter-spacing:.11em;text-transform:uppercase;font-weight:600;color:#4b5e77}
.note-topline>span:last-child{font-size:17px}
.note-graphic{max-width:255px;margin:22px auto 18px;color:var(--blue)}
.note-graphic svg{width:100%;display:block}
.note-caption{font-size:9px;letter-spacing:.11em;text-transform:uppercase;color:#4b5e77;margin:0 0 10px}
.research-note h2{font-size:27px;line-height:1.22;font-weight:550;letter-spacing:-.035em}
.note-description{margin-top:13px;font-size:12px;line-height:1.6;color:#4b5e77}
.note-details{margin:24px 0 0}
.note-details>div{display:grid;grid-template-columns:75px 1fr;gap:8px;padding:11px 0;border-top:1px solid #c5d0df;font-size:11px}
.note-details dt{color:#4b5e77}
.note-details dd{margin:0;font-weight:550}
.note-link{display:flex;justify-content:space-between;align-items:center;font-size:10px;font-weight:600;padding-top:17px;margin-top:6px;border-top:1px solid #c5d0df;min-height:44px}
.note-link:hover{text-decoration:underline;text-underline-offset:4px}
.note-link span{font-size:17px;color:var(--blue)}
.section-rule{border-top:1px solid var(--line);padding:44px 0 75px}
.section-label{display:flex;gap:24px;align-items:center;font-size:10px;text-transform:uppercase;letter-spacing:.13em;font-weight:550;color:var(--muted);margin-bottom:40px}
.label-line{width:40px;height:1px;background:var(--line)}
.about-content{display:grid;grid-template-columns:1fr 1fr;gap:100px}
.about h2,.section-heading h2{font-size:clamp(30px,3vw,42px);font-weight:500;line-height:1.16}
.blue-text{color:var(--blue)}
.about-description{padding-top:1px;max-width:465px}
.about-description p{font-size:14px;line-height:1.8}
.about-description p+p{margin-top:17px}
.topic-tags{display:flex;flex-wrap:wrap;gap:8px;margin:26px 0 0;padding:0;list-style:none}
.topic-tags li{border:1px solid #c9cfce;border-radius:30px;padding:5px 12px;font-size:10px;font-weight:500;color:var(--muted)}
.section-heading{display:flex;justify-content:space-between;gap:60px;align-items:flex-end}
.section-heading p{max-width:360px;font-size:13px;line-height:1.8}
.steps{list-style:none;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:42px;padding:0;margin:43px 0 0}
.steps li{border-top:1px solid var(--line);padding-top:19px}
.step-number{font-size:10px;color:var(--blue);font-weight:650;letter-spacing:.07em}
.steps h3{font-size:18px;font-weight:550;letter-spacing:-.025em;margin-top:28px;line-height:1.3}
.steps p{margin-top:13px;font-size:13px;line-height:1.85;max-width:290px}
.example{margin:1px 0 76px;padding:46px 47px;background:var(--pale);border-radius:var(--radius);display:grid;grid-template-columns:1fr 1fr;gap:75px}
.example .eyebrow{color:#4b5e77;font-size:9px}
.example h2{font-weight:500;font-size:36px;line-height:1.17;margin-top:23px}
.example-intro>p:not(.eyebrow){font-size:13px;line-height:1.8;margin-top:22px}
.example-intro .example-context{font-size:12px!important;max-width:330px;padding-top:24px}
.checklist{margin:0}
.checklist>div{padding:15px 0;border-top:1px solid #c5d0df}
.checklist>div:first-child{padding-top:0;border-top:none}
.checklist>div:last-child{padding-bottom:0}
.checklist dt{font-size:13px;font-weight:600;display:flex;gap:18px;align-items:center}
.checklist dt span{font-size:9px;color:var(--blue);font-weight:550}
.checklist dd{font-size:12px;line-height:1.7;color:#4b5e77;margin:6px 0 0 31px}
.contact{background:var(--blue);border-radius:var(--radius);padding:46px 48px 50px;display:flex;justify-content:space-between;align-items:center;gap:35px;color:white}
.contact .eyebrow{color:#dbe5ff;font-size:9px}
.contact h2{font-size:65px;letter-spacing:-.04em;font-weight:500;margin-top:13px}
.contact p:not(.eyebrow){color:#e3eaff;font-size:13px;line-height:1.8;max-width:370px;margin-top:16px}
.button-light{background:var(--white);color:var(--blue);flex-shrink:0}
.button-light:hover{background:#e9efff}
.contact a:focus-visible{outline-color:white}
.site-footer{display:grid;grid-template-columns:1fr 1.9fr auto;gap:48px;margin:48px 0 31px;align-items:start}
.footer-identity{display:flex;flex-direction:column;gap:2px;font-size:11px}
.footer-identity strong{font-weight:600}
.footer-identity span{font-size:9px;color:var(--muted)}
.footer-notes{max-width:500px;font-size:12px;line-height:1.8;color:var(--muted)}
.footer-notes strong{font-weight:600;color:var(--ink)}
details{margin-top:10px}
summary{cursor:pointer;display:list-item;width:fit-content;padding:4px 0;font-size:12px;color:var(--ink)}
details p{padding-top:9px;max-width:460px}
.back-top{font-size:10px;white-space:nowrap;min-height:44px;display:flex;align-items:flex-start;gap:14px}
.back-top span{font-size:13px}
.hero-credit{font-size:12px;line-height:1.7;margin-top:27px;color:var(--muted)}
.guide-byline{font-size:12px;margin-top:22px}
.guide-nav{display:flex;flex-wrap:wrap;gap:12px;margin:25px 0 30px;font-size:13px}
.guide-nav a{display:flex;align-items:center;gap:24px;padding:9px 16px;border:1px solid #c9cfce;border-radius:30px;min-height:44px}
.guide-nav a:hover{background:var(--pale)}
.guide-nav span{color:var(--blue)}
.guides .example{margin:0 0 26px}
.example h3{font-weight:500;font-size:36px;line-height:1.17;margin-top:23px}
.example .eyebrow,.guide-card .eyebrow{font-size:11px;letter-spacing:.08em}
.example-intro>p:not(.eyebrow){font-size:14px}
.checklist dt{font-size:14px}
.checklist dd{font-size:14px}
.guide-pair{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:26px}
.guide-card{padding:34px;border:1px solid var(--line);border-radius:var(--radius)}
.guide-card h3{font-size:30px;font-weight:500;line-height:1.18;margin:20px 0}
.guide-card>p:not(.eyebrow){font-size:14px;line-height:1.8}
.guide-checks{padding:0;list-style:none;margin:25px 0}
.guide-checks li{font-size:14px;color:var(--muted);line-height:1.8;border-top:1px solid var(--line);padding:14px 0}
.guide-checks li:last-child{padding-bottom:0}
.guide-checks strong{color:var(--ink);font-weight:600}
.guide-takeaway{border-left:2px solid var(--blue);padding-left:17px;margin-top:24px}
.guide-takeaway strong{display:block;color:var(--ink);font-weight:600;margin-bottom:4px}
.guide-card .guide-source{font-size:12px!important;border-top:1px solid var(--line);padding-top:21px;margin-top:26px}
.guide-source a,.editorial-note a,.policy-grid a{text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1px;color:var(--blue)}
.guide-source a:hover,.editorial-note a:hover,.policy-grid a:hover{color:#17357e}
.editorial-note{border-top:1px solid var(--line);padding-top:24px;margin-top:35px;font-size:13px;max-width:800px}
.policy-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px;margin-top:34px}
.policy-grid h3{font-size:19px;font-weight:550;line-height:1.3;letter-spacing:-.025em}
.policy-grid p{font-size:13px;margin-top:15px;line-height:1.8}
.policy-date{font-size:12px;margin-top:25px}
.footer-links{font-size:12px;gap:20px;flex-wrap:wrap}
.footer-links a{text-decoration:underline;text-underline-offset:3px}
@media(min-width:1500px){.hero{gap:100px;padding-top:96px;padding-bottom:104px}.research-note{max-width:400px;justify-self:end}}
@media(max-width:1050px){.page-shell{width:calc(100% - 64px)}.hero{gap:38px;grid-template-columns:minmax(0,1.35fr) minmax(280px,1fr)}h1{font-size:53px}.hero-actions{gap:16px}.research-note{padding:23px}.about-content{gap:65px}.section-heading{gap:35px}.example{gap:40px;padding:38px}.example h2{font-size:31px}.site-footer{gap:28px}}
@media(max-width:780px){.page-shell{width:calc(100% - 40px)}.site-header{min-height:96px}nav{gap:22px}.hero{grid-template-columns:1fr;gap:44px;padding:48px 0 59px}.hero-copy{max-width:620px;min-width:0}h1{font-size:clamp(42px,7.2vw,60px);max-width:610px;margin-top:22px}.hero-intro{max-width:490px}.research-note{transform:none;max-width:none;display:grid;grid-template-columns:1fr 1fr;column-gap:24px;padding:25px}.note-topline{grid-column:1/-1}.note-graphic{grid-column:1;grid-row:2/6;width:100%;max-width:230px;align-self:center;margin:15px auto}.note-caption{grid-column:2;margin-top:22px}.research-note h2{grid-column:2;font-size:24px}.note-description{grid-column:2}.note-details{grid-column:1/-1;margin-top:22px;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.note-details>div{display:block}.note-details dd{margin-top:5px}.note-link{grid-column:1/-1}.about-content{gap:36px}.about h2,.section-heading h2{font-size:32px}.section-heading{align-items:flex-start}.section-heading p{max-width:280px;font-size:12px}.steps{gap:25px}.steps h3{font-size:16px}.example{grid-template-columns:1fr;gap:34px;padding:32px;margin-bottom:55px}.example h2{font-size:36px}.example-intro .example-context{padding-top:0;max-width:480px}.checklist>div{display:grid;grid-template-columns:190px 1fr;gap:10px}.checklist dd{margin:0}.contact{padding:35px;align-items:flex-start;flex-direction:column;gap:26px}.contact h2{font-size:54px}.site-footer{grid-template-columns:1fr auto;gap:23px;margin-top:32px}.footer-notes{grid-row:2;grid-column:1/-1;max-width:100%}.back-top{grid-column:2;grid-row:1}.section-rule{padding-bottom:57px}.section-label{margin-bottom:29px}}
@media(max-width:520px){.page-shell{width:calc(100% - 36px)}.site-header{min-height:87px;gap:12px}.monogram{font-size:37px}.identity{gap:10px}.identity-name{font-size:10px;padding-left:11px}nav{gap:17px;font-size:11px}.nav-contact{gap:6px}.nav-contact span{font-size:15px}nav a:first-child{display:none}.hero{padding-top:38px;gap:37px}.eyebrow{font-size:8px;letter-spacing:.11em;gap:8px}.small-line{width:15px}h1{font-size:clamp(34px,11.3vw,44px);line-height:1.07}.hero-intro{font-size:14px;margin-top:25px}.hero-actions{gap:21px;margin-top:26px}.button{font-size:11px;gap:14px;padding:13px 17px}.text-link{font-size:11px;gap:10px}.research-note{display:block;padding:23px 25px}.note-graphic{max-width:245px;margin:19px auto 17px}.note-caption{margin-top:0}.research-note h2{font-size:27px;max-width:300px}.note-description{font-size:12px;max-width:295px}.note-details{display:block}.note-details>div{display:grid;grid-template-columns:75px 1fr;gap:10px;font-size:11px;padding:12px 0}.note-details dd{margin:0}.note-link{font-size:11px}.about-content{grid-template-columns:1fr;gap:25px}.about h2,.section-heading h2{font-size:34px}.about-description p{font-size:13px}.section-heading{display:block}.section-heading p{max-width:none;margin-top:21px;font-size:13px}.steps{grid-template-columns:1fr;gap:25px;margin-top:33px}.steps li{display:grid;grid-template-columns:35px 1fr;column-gap:15px;padding-top:21px}.step-number{grid-column:1;grid-row:1/3;padding-top:4px}.steps h3{grid-column:2;margin-top:0;font-size:18px}.steps p{grid-column:2;font-size:13px;max-width:none;margin-top:10px}.example{padding:29px 25px;border-radius:19px}.example h2{font-size:32px}.example-intro>p:not(.eyebrow){font-size:13px}.example-intro .example-context{font-size:12px!important}.checklist>div{display:block;padding:16px 0}.checklist dt{font-size:13px}.checklist dd{margin:7px 0 0 31px;font-size:12px}.contact{padding:30px 25px;border-radius:19px}.contact h2{font-size:55px}.contact p:not(.eyebrow){font-size:13px}.footer-notes{font-size:12px}.site-footer{margin-bottom:24px}.section-label{font-size:9px}.topic-tags li{font-size:10px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button{transition:none}.button:hover{transform:none}}
@media(max-width:780px){.guide-pair{gap:20px}.guide-card{padding:25px}.guide-card h3{font-size:27px}.policy-grid{gap:36px}.footer-links{grid-row:2;grid-column:1/-1}.example h3{font-size:36px}}
@media(max-width:600px){.guide-pair,.policy-grid{grid-template-columns:1fr}.guide-card{padding:29px 25px}.guide-card h3{font-size:30px}.policy-grid{gap:30px}.policy-grid p{font-size:14px}}
@media(max-width:520px){.site-header{flex-wrap:wrap;gap:12px;padding:18px 0 9px}.site-header nav{width:100%;justify-content:space-between;font-size:12px;gap:18px}.site-header nav a:first-child{display:block}.site-header .nav-method{display:none}.guide-nav{gap:9px;font-size:12px}.guide-nav a:first-child{display:flex}.guide-nav a{padding:8px 13px;gap:16px}.guide-card .eyebrow,.example .eyebrow{font-size:10px}.example h3{font-size:32px}.example-intro>p:not(.eyebrow){font-size:14px}.checklist dt,.checklist dd{font-size:14px}.footer-links{font-size:12px;gap:18px}.footer-links a:first-child{display:block}.hero-credit{font-size:12px}.guide-byline{font-size:12px}.editorial-note{font-size:14px}}