/* HERELES — restrained editorial design. System fonts only; no remote font request. */
:root{--ink:#162d32;--muted:#4c5b5b;--paper:#f8f6f0;--white:#fff;--sand:#eee9de;--line:#d3d7ce;--accent:#8a4a2a;--gold:#dec7a2;--danger:#a12727;--serif:Georgia,'Times New Roman',serif;--sans:Arial,Helvetica,sans-serif;--radius:5px;--shadow:0 18px 48px rgba(22,45,50,.07);--shell:1216px}
*{box-sizing:border-box}html{scroll-padding-top:116px;scroll-behavior:smooth;font-size:17px}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);line-height:1.65;-webkit-text-size-adjust:100%}img{max-width:100%;height:auto}a{color:inherit;text-underline-offset:4px;text-decoration-thickness:1px}a:hover{text-decoration-thickness:2px}button,input,select,textarea{font:inherit}button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}button,summary{cursor:pointer}button{color:inherit}button:disabled{opacity:.55;cursor:wait}a,button,summary{touch-action:manipulation}button::-moz-focus-inner{border:0}:focus-visible{outline:3px solid var(--accent);outline-offset:5px}input:focus-visible,select:focus-visible,textarea:focus-visible{outline-offset:2px}::selection{background:var(--gold);color:var(--ink)}[hidden]{display:none!important}.shell{width:min(var(--shell),calc(100% - 80px));margin-inline:auto}h1,h2,h3,p,ul,ol,dl{margin-top:0}h1,h2,h3{line-height:1.16;font-weight:400;text-wrap:balance}h1,h2{font-family:var(--serif);letter-spacing:-.04em}h1{font-size:clamp(2.65rem,4.55vw,4.05rem);margin-bottom:26px}h2{font-size:clamp(2rem,3.3vw,2.8rem);margin-bottom:25px}h3{font-size:1.2rem;font-weight:600;letter-spacing:-.02em}p{margin-bottom:1.2em}p:last-child{margin-bottom:0}em{font-weight:400;color:var(--accent)}small,.small{font-size:.84rem;line-height:1.65;color:var(--muted)}strong{font-weight:700}.eyebrow{font-family:var(--sans);font-size:.7rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;margin-bottom:21px;line-height:1.6;color:var(--accent)}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link{position:fixed;top:8px;left:10px;z-index:100;background:white;padding:14px;transform:translateY(-150%)}.skip-link:focus{transform:none}.button{display:inline-flex;align-items:center;justify-content:center;gap:20px;min-height:52px;padding:14px 25px;background:var(--ink);color:var(--white);border:1px solid var(--ink);border-radius:3px;text-decoration:none;font-size:.9rem;line-height:1.5;font-weight:600;transition:background .15s,color .15s}.button:hover{background:#29474c;text-decoration:none}.button.secondary{background:transparent;color:var(--ink)}.button.secondary:hover{background:var(--sand)}.button span[aria-hidden]{font-size:1.1rem}.button.compact{min-height:45px;padding:10px 15px;font-size:.8rem;gap:12px}.text-link{font-size:.88rem;font-weight:600;text-decoration:none;display:inline-flex;gap:16px;align-items:center;min-height:44px;border-bottom:1px solid var(--line)}.text-link:hover{border-color:var(--ink)}.actions{display:flex;align-items:center;gap:26px;flex-wrap:wrap}.utility-bar{background:var(--ink);color:var(--paper);font-size:.66rem;letter-spacing:.035em;line-height:1.5}.utility-bar .shell{display:flex;justify-content:space-between;padding-block:9px;gap:20px}.utility-bar a{text-decoration:none}.site-header{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:96px}.brand{display:flex;align-items:center;gap:18px;text-decoration:none;flex-shrink:0}.brand-name{font-size:1.62rem;font-weight:600;letter-spacing:.07em;line-height:1.1;text-decoration:none}.brand-dot{color:var(--accent)}.brand-sub{font-size:.62rem;font-weight:600;line-height:1.45;letter-spacing:.04em;border-left:1px solid var(--line);padding-left:16px}.header-inner nav{display:flex;gap:23px;align-items:center;font-size:.8rem}.header-inner nav a{text-decoration:none;min-height:44px;display:flex;align-items:center;position:relative}.header-inner nav a[aria-current=page]{font-weight:700}.header-inner nav a:hover:after,.header-inner nav a[aria-current=page]:after{content:'';height:1px;background:var(--accent);position:absolute;left:0;right:0;bottom:6px}.header-contact{display:flex;gap:17px;align-items:center}.header-phone{font-size:.87rem;font-weight:700;white-space:nowrap;text-decoration:none}.menu-toggle{border:1px solid var(--line);background:transparent;border-radius:3px;padding:10px 12px;min-height:44px;font-size:.85rem;gap:12px;align-items:center}
.home-hero{padding:74px 0 70px}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:74px;align-items:center}.hero-copy h1{max-width:720px}.hero-lead{font-size:1rem;line-height:1.8;max-width:575px;color:var(--muted);margin-bottom:28px}.hero-copy .actions{gap:20px}.hero-caution{font-size:.72rem;line-height:1.65;color:var(--muted);margin-top:24px;max-width:560px}.hero-visual{background:var(--sand);padding:30px 38px 30px;min-height:475px;border-top:3px solid var(--accent);position:relative}.visual-top{display:flex;justify-content:space-between;gap:20px;font-size:.62rem;letter-spacing:.14em;color:var(--muted);font-weight:600;margin-bottom:48px}.visual-title{font-family:var(--serif);font-size:2.9rem;line-height:1.15;letter-spacing:-.04em;margin-bottom:27px}.visual-title em{color:var(--ink)}.visual-rule{height:1px;width:68px;background:var(--accent);margin-bottom:25px}.visual-facts{margin:0 0 20px}.visual-facts div{display:flex;gap:15px;justify-content:space-between;padding:13px 0;border-bottom:1px solid #c9c6bc;font-size:.78rem}.visual-facts dt{font-weight:600}.visual-facts dd{margin:0;color:var(--muted);text-align:right}.hero-visual>a{display:flex;justify-content:space-between;gap:14px;font-size:.72rem;text-decoration:none;min-height:35px;align-items:center}.trust-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--white)}.trust-grid{display:grid;grid-template-columns:1fr 1fr 1fr;padding-block:26px;gap:34px}.trust-grid p{display:flex;flex-direction:column;margin:0;font-size:.85rem;line-height:1.6;padding-right:20px;border-right:1px solid var(--line)}.trust-grid p:last-child{border:0}.trust-grid span,.trust-grid a{font-size:.72rem;color:var(--muted)}.section{padding-block:85px}.section-heading{margin-bottom:34px}.section-heading h2{margin-bottom:18px}.section-heading>p:last-child{max-width:650px;color:var(--muted)}.split-heading{display:flex;justify-content:space-between;gap:55px;align-items:end}.split-heading>div{flex:1}.split-heading>p{flex:.75;max-width:440px;margin-bottom:15px;font-size:.94rem;color:var(--muted)}.cards{display:grid;gap:23px}.cards.three{grid-template-columns:repeat(3,1fr)}.editorial-card{padding:29px 28px;display:flex;flex-direction:column;text-decoration:none;border:1px solid var(--line);background:var(--white);min-height:270px;transition:border-color .18s,box-shadow .18s}.editorial-card:hover{border-color:var(--accent);box-shadow:var(--shadow);text-decoration:none}.card-number{font-family:var(--serif);font-size:1.4rem;color:var(--accent);margin-bottom:33px}.editorial-card h3{font-size:1.18rem;line-height:1.3;margin-bottom:17px;max-width:310px}.editorial-card p{font-size:.86rem;color:var(--muted);line-height:1.75;margin-bottom:28px}.card-link{font-size:.76rem;font-weight:600;display:flex;justify-content:space-between;gap:12px;margin-top:auto;align-items:center}.section-tinted{background:var(--sand)}.decision-grid{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:center}.decision-grid>div>p:not(.eyebrow){color:var(--muted);max-width:490px}.decision-panel{padding:32px 36px;background:var(--paper);border-top:2px solid var(--accent)}.decision-panel h3{font-size:1.15rem;margin-bottom:22px}.check-list{list-style:none;margin:0 0 24px;padding:0}.check-list li{position:relative;padding:12px 0 12px 26px;border-bottom:1px solid var(--line);font-size:.9rem;line-height:1.65}.check-list li:before{content:'—';position:absolute;left:0;color:var(--accent)}.panel{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:43px 52px}.calculator{max-width:930px;margin-inline:auto}.calculator h2{font-size:2.25rem}.calculator .section-heading p:not(.eyebrow){font-size:.93rem}.calculator .button{margin-top:8px}.calculator>.small{margin-top:22px}.calculator .optional-fields{margin:20px 0 22px}fieldset{border:0;min-width:0;margin:0;padding:0}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:19px 22px}.field{min-width:0}.field label{display:block;font-size:.85rem;font-weight:600;line-height:1.5;margin-bottom:9px}.field input,.field select,.field textarea{width:100%;min-height:53px;padding:12px 13px;border:1px solid #9aaba9;background:var(--white);border-radius:3px;color:var(--ink);font-size:.94rem;line-height:1.5}.field select{padding-right:30px;text-overflow:ellipsis}.field input::placeholder{color:#667271;opacity:1;font-size:.88rem}.field small{display:block;font-size:.7rem;margin-top:6px;line-height:1.55}.field.wide{grid-column:1/-1}.optional-fields{border-block:1px solid var(--line);margin:22px 0 18px}.optional-fields>summary{padding:14px 0;font-size:.84rem;font-weight:600;min-height:48px}.optional-fields>summary>span{font-weight:400;color:var(--muted);font-size:.75rem}.optional-fields>.form-grid{padding:9px 0 23px}.checkline{display:flex;align-items:flex-start;gap:12px;font-size:.73rem;line-height:1.65;margin:19px 0}.checkline input{width:19px;height:19px;flex:0 0 19px;accent-color:var(--ink);margin:4px 0 0}.form-footnote{font-size:.69rem;line-height:1.65;color:var(--muted);margin-top:15px}.form-error{border-left:3px solid var(--danger);background:#fff4f2;color:#7b2020;padding:16px;font-size:.88rem;margin-top:20px}.form-status{padding:18px;background:var(--sand);font-size:.9rem}.honeypot{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}.submit-button{width:100%;justify-content:space-between}.result{margin-top:28px;padding:25px;border:1px solid var(--line);background:var(--paper);scroll-margin-top:120px}.result h3{font-family:var(--serif);font-size:1.65rem}.result .result-total{font-family:var(--serif);font-size:2.9rem;letter-spacing:-.04em;line-height:1.2;display:block;margin:5px 0 14px}.result dl{display:grid;grid-template-columns:1fr auto;gap:9px 25px;margin:20px 0;font-size:.88rem}.result dt,.result dd{border-bottom:1px solid var(--line);padding-bottom:10px}.result dd{margin:0;font-weight:600;text-align:right}.result p{font-size:.86rem}.result .notice{font-size:.8rem}.result .actions{gap:18px}.section-dark{background:var(--ink);color:var(--paper)}.section-dark .eyebrow{color:var(--gold)}.section-dark .section-heading h2{max-width:830px}.process-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:48px;list-style:none;padding:0;margin:48px 0 30px}.process-grid li{border-top:1px solid #6f807b;padding-top:24px}.process-grid li>span{font-family:var(--serif);font-size:1.8rem;color:var(--gold);display:block;margin-bottom:23px}.process-grid h3{font-size:1.16rem}.process-grid p{font-size:.86rem;color:#d8e0d9;line-height:1.75}.section-dark .text-link{color:var(--paper);border-color:#6f807b}.guide-feature-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px}.feature-guide{background:var(--sand);padding:36px 40px;text-decoration:none;display:flex;flex-direction:column}.feature-guide h3{font-family:var(--serif);font-weight:400;font-size:2rem;line-height:1.2;letter-spacing:-.03em}.feature-guide p{font-size:.9rem;color:var(--muted)}.feature-guide:hover{outline:1px solid var(--accent);text-decoration:none}.guide-links{display:flex;flex-direction:column}.guide-links a{display:grid;grid-template-columns:1fr auto;gap:4px 24px;padding:24px 0;border-bottom:1px solid var(--line);text-decoration:none}.guide-links a:first-child{padding-top:10px}.guide-links a>span:first-child{font-size:.65rem;text-transform:uppercase;letter-spacing:.08em;color:var(--accent);grid-column:1}.guide-links strong{font-size:1rem;font-weight:600;line-height:1.5;grid-column:1}.guide-links a>span:last-child{grid-column:2;grid-row:1/3;align-self:center}.faq-layout{display:grid;grid-template-columns:.78fr 1.22fr;gap:78px}.faq-layout>div>p:not(.eyebrow){font-size:.9rem;max-width:370px;color:var(--muted)}.faq-layout .faq h2{display:none}.faq details{border-bottom:1px solid var(--line)}.faq details:first-of-type{border-top:1px solid var(--line)}.faq summary{font-size:.94rem;font-weight:600;line-height:1.6;padding:20px 28px 20px 0;min-height:60px}.faq details>p,.faq details>div{font-size:.9rem;line-height:1.8;color:var(--muted);padding-bottom:21px;margin:0}.faq details>p+p{padding-bottom:15px}.contact-section{padding:70px 0 80px;background:var(--ink);color:var(--paper)}.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:78px;align-items:start}.contact-copy{padding-top:23px}.contact-copy .eyebrow{color:var(--gold)}.contact-copy h2{font-size:2.8rem;margin-bottom:24px}.contact-copy>p:not(.eyebrow){font-size:.94rem;color:#d8e0d9;max-width:450px}.contact-copy>.small{font-size:.76rem;margin-top:24px;max-width:400px}.contact-person{display:flex;gap:17px;align-items:center;margin:34px 0 18px}.monogram{display:flex;flex-shrink:0;align-items:center;justify-content:center;width:54px;height:54px;border:1px solid #82918a;font-family:var(--serif);font-size:1.25rem;border-radius:50%}.contact-person strong,.contact-person div span{display:block}.contact-person strong{font-size:.96rem}.contact-person div span{font-size:.73rem;color:#d8e0d9}.contact-phone{font-family:var(--serif);font-size:2rem;letter-spacing:-.03em;text-decoration:none;display:block;margin-bottom:8px}.contact-email{font-size:.87rem}.form-panel{padding:30px 34px;background:var(--white);color:var(--ink);border-radius:4px}.form-panel>h3{font-family:var(--serif);font-size:1.85rem;font-weight:400;margin-bottom:6px}.form-panel>p{font-size:.81rem;color:var(--muted);margin-bottom:26px}.contact-faq{max-width:800px}.source-note{padding-block:24px;font-size:.7rem;color:var(--muted)}.source-note p{margin-bottom:5px}.site-footer{background:var(--sand);border-top:1px solid var(--line);padding:58px 0 26px}.footer-main{display:grid;grid-template-columns:1.2fr 1fr 1fr 1fr;gap:46px;margin-bottom:40px}.footer-main h2{font-family:var(--sans);font-size:.79rem;font-weight:700;letter-spacing:0;margin:0 0 20px}.footer-main a:not(.brand-name){display:block;font-size:.75rem;text-decoration:none;margin:0 0 12px}.footer-main p{font-size:.75rem;color:var(--muted);line-height:1.75}.footer-main .footer-brand .brand-name{display:inline-block;margin:0 0 20px}.footer-brand p{max-width:280px}.footer-brand>a:not(.brand-name){display:inline!important}.footer-legal{border-top:1px solid #c8cdc4;padding-top:28px;font-size:.68rem;color:var(--muted);line-height:1.8}.footer-legal p{margin-bottom:13px}.footer-bottom{display:flex;gap:20px;align-items:center;justify-content:space-between;padding-top:20px;font-size:.7rem;border-top:1px solid #c8cdc4}.footer-bottom nav{display:flex;align-items:center;gap:20px;flex-wrap:wrap}.footer-bottom a,.footer-bottom button{font-size:inherit;background:none;border:0;padding:0;color:inherit;text-decoration:underline;text-underline-offset:3px}.footer-bottom button{min-height:40px}.mobile-contact{display:none}
/* Interior pages: answer first, table of contents second, contact always direct. */
.breadcrumbs{font-size:.7rem;color:var(--muted);padding-top:24px}.breadcrumbs ol{list-style:none;padding:0;margin:0;display:flex;gap:11px;flex-wrap:wrap}.breadcrumbs li+li:before{content:'/';margin-right:11px;color:var(--muted)}.breadcrumbs li:last-child{max-width:650px}.page-intro{padding-block:45px 48px}.page-intro h1{max-width:990px;font-size:clamp(2.6rem,4vw,3.65rem)}.page-intro .eyebrow{margin-bottom:18px}.page-summary{max-width:880px;font-size:1.03rem;line-height:1.85;color:var(--muted);margin-bottom:22px}.byline{font-size:.72rem;color:var(--muted);display:flex;gap:20px;flex-wrap:wrap}.article-layout{display:grid;grid-template-columns:minmax(0,800px) minmax(240px,1fr);gap:72px;padding-bottom:72px;align-items:start}.article-body{min-width:0}.article-body .text-section,.article-body>section{margin-bottom:40px}.article-body h2{font-size:1.95rem;line-height:1.28;letter-spacing:-.03em;margin:34px 0 21px}.article-body h3{font-size:1.1rem;line-height:1.5;margin-top:25px}.article-body p,.article-body li{font-size:.96rem;line-height:1.85}.article-body a:not(.button){text-decoration-color:var(--accent)}.article-body ul,.article-body ol{padding-left:24px}.article-body li+li{margin-top:11px}.article-body .faq{margin-top:45px}.article-body .faq p{font-size:.88rem}.article-body .sources,.source-block{padding-top:23px;border-top:1px solid var(--line);font-size:.8rem}.article-body .sources h2{font-family:var(--sans);font-size:1rem;font-weight:600}.article-body .sources p,.article-body .sources li{font-size:.78rem}.article-sidebar{position:sticky;top:124px}.toc{border-top:2px solid var(--ink);padding-top:18px}.toc strong{font-size:.8rem;display:block;margin-bottom:16px}.toc a{display:block;font-size:.74rem;line-height:1.6;text-decoration:none;border-bottom:1px solid var(--line);padding:10px 0}.toc a:hover{color:var(--accent)}.sidebar-contact{padding:22px;background:var(--sand);margin-top:27px}.sidebar-contact .eyebrow{font-size:.64rem;margin-bottom:12px}.sidebar-contact p{font-size:.86rem;line-height:1.6}.sidebar-phone{font-size:1.13rem;font-weight:600;text-decoration:none;display:block;margin-bottom:18px}.sidebar-contact .button{font-size:.78rem;gap:8px;width:100%;padding-inline:10px}.table-wrap{max-width:100%;overflow:auto;margin:26px 0}.table-wrap table{border-collapse:collapse;text-align:left;width:100%;font-size:.84rem;min-width:420px}.table-wrap caption{text-align:left;font-weight:600;padding:0 0 13px;font-size:.83rem}.table-wrap th,.table-wrap td{padding:14px 16px;vertical-align:top;border:1px solid var(--line);line-height:1.7}.table-wrap thead th{background:var(--ink);color:var(--white);font-size:.76rem}.table-wrap tbody th{background:var(--sand);font-weight:600}.table-wrap td{background:var(--white)}.inline-cta{background:var(--sand);padding:29px;margin:38px 0;border-left:3px solid var(--accent)}.inline-cta .eyebrow{margin-bottom:12px}.inline-cta h2{font-size:1.7rem;margin-top:0}.inline-cta p{font-size:.87rem}.inline-cta .button{margin-top:13px}.related{padding-top:25px;border-top:1px solid var(--line)}.related .eyebrow{margin-bottom:8px}.related-links{display:flex;flex-direction:column}.related-links a{display:flex;justify-content:space-between;gap:20px;border-bottom:1px solid var(--line);padding:14px 0;text-decoration:none;font-size:.87rem}.identity-panel{display:flex;gap:20px;align-items:center;padding:24px;background:var(--sand)}.identity-panel h3{margin:0 0 5px}.identity-panel p{font-size:.8rem;margin-bottom:8px}.identity-panel .monogram{width:70px;height:70px;font-size:1.6rem}.formula{font-family:var(--sans);padding:19px 22px;background:var(--sand);border-left:3px solid var(--accent);margin-bottom:18px;font-size:.93rem;line-height:1.8;font-weight:600}.notice{background:var(--sand);padding:21px 24px;border-left:3px solid var(--accent);margin:20px 0}.guide-directory{padding-bottom:78px}.topic-nav{display:flex;gap:10px;flex-wrap:wrap;border-bottom:1px solid var(--line);padding-bottom:24px}.topic-nav a{padding:10px 16px;border:1px solid var(--line);background:var(--white);border-radius:3px;text-decoration:none;font-size:.77rem;min-height:44px}.topic-nav a:hover{border-color:var(--accent)}.guide-category{margin-top:53px;scroll-margin-top:120px}.guide-category>h2{font-size:2rem}.guide-category .editorial-card h3{font-size:1.08rem}.guide-category .editorial-card p{font-size:.8rem}.guide-category .editorial-card{min-height:275px}.receipt-page,.error-page{padding-block:90px;max-width:950px}.receipt-page p,.error-page p{max-width:750px}.receipt-page h2{font-size:1.65rem}.checklist-print{list-style-type:square}.cc{position:fixed;z-index:60;bottom:20px;left:50%;transform:translateX(-50%);width:min(1020px,calc(100% - 40px));background:var(--white);border:1px solid var(--ink);box-shadow:0 5px 40px rgba(22,45,50,.17);padding:22px 25px}.cc-inner{display:grid;grid-template-columns:1fr auto;gap:30px;align-items:center}.cc h2{font-family:var(--sans);font-weight:600;font-size:.88rem;letter-spacing:0;margin-bottom:7px}.cc p{font-size:.72rem;line-height:1.6;max-width:625px;margin:0}.cc-actions{display:flex;gap:10px}.cc button{border:1px solid var(--ink);background:var(--paper);min-height:46px;min-width:104px;padding:10px 17px;font-size:.8rem;font-weight:600;border-radius:3px}.cc button:hover{background:var(--sand)}
@media(min-width:1500px){.home-hero{padding-block:86px}.hero-grid{gap:90px}}
@media(max-width:1180px){.shell{width:calc(100% - 56px)}.header-inner{gap:17px}.brand{gap:12px}.brand-sub{display:none}.header-inner nav{gap:18px}.header-phone{font-size:.78rem}.header-contact{gap:13px}.hero-grid{gap:40px}.hero-visual{padding:29px;min-height:460px}.visual-title{font-size:2.65rem}.visual-facts div{font-size:.72rem}.hero-copy .actions{gap:13px}.hero-copy .text-link{font-size:.79rem}.contact-grid{gap:45px}.article-layout{gap:40px;grid-template-columns:minmax(0,1fr) 255px}.footer-main{gap:30px}.faq-layout{gap:40px}.decision-grid{gap:45px}.split-heading{gap:35px}}
@media(max-width:900px){.site-header{position:sticky}.header-inner{min-height:80px;flex-wrap:wrap;padding-block:13px;gap:15px}.brand-name{font-size:1.48rem}.header-inner nav{order:5;flex-basis:100%;display:flex;flex-wrap:wrap;gap:5px 27px;padding:5px 0 9px}.header-inner nav[data-mobile-hidden=true]{display:none}.menu-toggle:not([hidden]){display:flex;margin-left:auto}.header-contact .compact{display:none}.header-phone{font-size:.85rem}.hero-grid{gap:30px;grid-template-columns:1fr 0.8fr}.home-hero{padding-block:48px}.hero-copy h1{font-size:2.75rem}.hero-visual{min-height:420px;padding:24px}.visual-top{margin-bottom:35px;font-size:.54rem}.visual-title{font-size:2.25rem}.visual-facts div{display:block}.visual-facts dd{text-align:left;margin-top:2px}.hero-visual>a{font-size:.65rem}.trust-grid{gap:20px}.trust-grid p{padding-right:13px}.trust-grid strong{font-size:.77rem}.trust-grid span,.trust-grid a{font-size:.67rem}.section{padding-block:62px}.cards.three{gap:15px}.editorial-card{padding:23px 20px}.editorial-card h3{font-size:1.05rem}.editorial-card p{font-size:.79rem}.card-link{font-size:.7rem}.decision-grid{gap:30px}.decision-panel{padding:25px}.panel{padding:33px}.contact-grid{grid-template-columns:.8fr 1.2fr;gap:30px}.contact-copy h2{font-size:2.25rem}.form-panel{padding:26px}.form-grid{gap:17px}.contact-grid .form-grid{grid-template-columns:1fr}.contact-person{gap:12px}.contact-phone{font-size:1.7rem}.process-grid{gap:28px}.guide-feature-grid{gap:30px}.feature-guide{padding:29px}.feature-guide h3{font-size:1.7rem}.faq-layout{grid-template-columns:.7fr 1.3fr;gap:32px}.faq-layout h2{font-size:2.25rem}.article-layout{grid-template-columns:minmax(0,1fr)}.article-sidebar{position:static;grid-row:1;display:grid;grid-template-columns:1fr 1fr;gap:25px}.article-sidebar .toc{max-height:none}.toc a{font-size:.75rem}.sidebar-contact{margin:0;align-self:start}.article-body{max-width:820px}.footer-main{grid-template-columns:1fr 1fr;gap:36px}.footer-bottom{align-items:flex-start}.cc-inner{gap:17px}.cc-actions{flex-direction:column}.cc-actions button{min-height:43px;padding:8px 13px}}
@media(max-width:640px){html{font-size:17px;scroll-padding-top:95px}.shell{width:calc(100% - 36px)}.utility-bar{font-size:.57rem}.utility-bar .shell{padding-block:8px}.utility-bar a{display:none}.header-inner{gap:10px;min-height:74px;padding-block:12px}.brand-name{font-size:1.34rem}.menu-toggle:not([hidden]){padding:8px 10px;font-size:.76rem;min-height:42px;gap:7px}.header-contact{margin-left:0}.header-phone{font-size:.74rem;letter-spacing:-.02em}.header-inner nav{gap:3px 20px;font-size:.85rem}.home-hero{padding-block:36px 34px}.hero-grid{grid-template-columns:1fr;gap:32px}.hero-copy .eyebrow{font-size:.61rem;margin-bottom:19px;letter-spacing:.12em}.hero-copy h1{font-size:2.52rem;line-height:1.12;letter-spacing:-.045em;margin-bottom:23px}.hero-lead{font-size:.94rem;line-height:1.75;margin-bottom:23px}.hero-copy .actions{gap:11px;align-items:stretch;flex-direction:column}.hero-copy .button{font-size:.91rem;justify-content:space-between}.hero-copy .text-link{font-size:.82rem;width:fit-content}.hero-caution{font-size:.72rem;line-height:1.75;margin-top:19px}.hero-visual{min-height:0;padding:23px 25px}.visual-top{font-size:.59rem;margin-bottom:24px}.visual-title{font-size:2.15rem;margin-bottom:20px}.visual-rule{margin-bottom:14px}.visual-facts div{display:flex;font-size:.77rem;padding:11px 0}.visual-facts dd{text-align:right;margin:0}.visual-facts{margin-bottom:14px}.hero-visual>a{font-size:.73rem;min-height:39px}.trust-grid{grid-template-columns:1fr;gap:14px;padding-block:22px}.trust-grid p{padding:0 0 14px;border:0;border-bottom:1px solid var(--line);display:grid;grid-template-columns:1fr 1.05fr;gap:15px;align-items:center}.trust-grid p:last-child{padding-bottom:0}.trust-grid strong{font-size:.76rem}.trust-grid span,.trust-grid a{font-size:.71rem}.section{padding-block:46px}h2{font-size:2rem;line-height:1.17}.section-heading{margin-bottom:27px}.eyebrow{font-size:.65rem;margin-bottom:16px}.split-heading{display:block}.split-heading>p{font-size:.87rem;margin-top:20px}.cards.three{grid-template-columns:1fr;gap:15px}.editorial-card{min-height:0;padding:24px}.card-number{margin-bottom:20px;font-size:1.35rem}.editorial-card h3{font-size:1.18rem;max-width:100%;margin-bottom:13px}.editorial-card p{font-size:.88rem;margin-bottom:21px}.card-link{font-size:.79rem}.decision-grid{grid-template-columns:1fr;gap:29px}.decision-grid>div>p:not(.eyebrow){font-size:.9rem}.decision-panel{padding:24px}.check-list li{font-size:.86rem}.panel{padding:25px 20px}.calculator h2{font-size:1.95rem}.calculator .section-heading p:not(.eyebrow){font-size:.86rem}.form-grid{grid-template-columns:1fr;gap:20px}.field label{font-size:.85rem}.field input,.field select,.field textarea{font-size:1rem;min-height:53px;padding:12px}.field small{font-size:.73rem}.calculator .button{width:100%;justify-content:space-between;font-size:.87rem;padding:13px 18px}.optional-fields>summary{font-size:.81rem;padding-block:15px;line-height:1.65}.optional-fields>summary span{font-size:.72rem}.calculator>.small{font-size:.75rem}.result{padding:20px 17px;scroll-margin-top:105px}.result h3{font-size:1.5rem}.result .result-total{font-size:2.5rem}.result dl{font-size:.8rem;gap:10px 15px}.result p{font-size:.83rem}.process-grid{grid-template-columns:1fr;gap:20px;margin-top:28px}.process-grid li{padding-top:20px}.process-grid li>span{font-size:1.6rem;margin-bottom:17px}.process-grid h3{font-size:1.13rem;margin-bottom:12px}.process-grid p{font-size:.88rem}.guide-feature-grid{grid-template-columns:1fr;gap:23px}.feature-guide{padding:29px}.feature-guide h3{font-size:1.9rem}.guide-links a{padding-block:21px}.guide-links strong{font-size:.98rem}.faq-layout{grid-template-columns:1fr;gap:25px}.faq-layout h2{font-size:2.15rem}.faq summary{font-size:.9rem;padding-block:19px}.faq details>p{font-size:.86rem}.contact-section{padding-block:44px 46px}.contact-grid{grid-template-columns:1fr;gap:29px}.contact-copy{padding-top:0}.contact-copy h2{font-size:2.35rem}.contact-copy>p:not(.eyebrow){font-size:.91rem}.contact-person{margin:25px 0 15px}.contact-copy>.small{margin-top:18px;font-size:.76rem}.contact-phone{font-size:2.15rem}.form-panel{padding:26px 21px}.form-panel>h3{font-size:1.85rem}.checkline{font-size:.75rem;margin-block:20px}.checkline input{width:21px;height:21px;flex-basis:21px}.form-footnote{font-size:.72rem}.form-panel .button{font-size:.89rem;padding-inline:18px}.source-note{font-size:.69rem;padding-block:22px}.site-footer{padding-block:40px 95px}.footer-main{gap:30px 24px}.footer-brand{grid-column:1/-1}.footer-main a:not(.brand-name){font-size:.76rem;min-height:35px;margin-bottom:5px}.footer-main p{font-size:.75rem}.footer-main h2{font-size:.81rem;margin-bottom:15px}.footer-legal{font-size:.7rem;line-height:1.85}.footer-bottom{flex-direction:column;gap:14px;font-size:.7rem;padding-top:20px}.footer-bottom nav{gap:8px 17px}.footer-bottom a{min-height:35px;display:inline-flex;align-items:center}.mobile-contact{display:grid;grid-template-columns:1fr 1fr;position:fixed;bottom:0;left:0;right:0;z-index:35;background:var(--white);border-top:1px solid var(--line);padding:10px 14px calc(10px + env(safe-area-inset-bottom));gap:10px}.mobile-contact a{display:flex;align-items:center;justify-content:center;gap:8px;min-height:46px;border:1px solid var(--ink);border-radius:3px;text-decoration:none;font-weight:600;font-size:.8rem}.mobile-contact a:last-child{background:var(--ink);color:white}.consent-open .mobile-contact,.form-in-view .mobile-contact,.input-focused .mobile-contact{display:none}.breadcrumbs{padding-top:19px;font-size:.66rem}.breadcrumbs li:last-child{max-width:98%}.page-intro{padding-block:29px 27px}.page-intro h1{font-size:2.35rem;line-height:1.18;letter-spacing:-.04em}.page-summary{font-size:.96rem;line-height:1.8}.byline{font-size:.69rem;display:block}.byline>span{display:block;margin-top:6px}.article-layout{gap:30px;padding-bottom:46px}.article-sidebar{grid-template-columns:1fr;gap:18px}.toc{padding-top:16px}.toc strong{margin-bottom:8px}.toc a{font-size:.79rem;padding-block:10px}.sidebar-contact{padding:21px}.sidebar-contact .eyebrow{font-size:.68rem}.sidebar-contact .sidebar-phone{font-size:1.22rem}.sidebar-contact .button{font-size:.85rem}.article-body h2{font-size:1.8rem;line-height:1.28;margin-top:30px}.article-body p,.article-body li{font-size:.96rem;line-height:1.85}.article-body .text-section{margin-bottom:28px}.article-body .sources p,.article-body .sources li{font-size:.78rem}.table-wrap{margin-block:22px}.table-wrap th,.table-wrap td{padding:13px;font-size:.8rem}.inline-cta{padding:23px}.inline-cta h2{font-size:1.65rem;margin-top:0}.inline-cta .button{font-size:.86rem;max-width:100%}.related-links a{font-size:.86rem;line-height:1.6;min-height:50px}.identity-panel{padding:21px;align-items:flex-start}.identity-panel .monogram{width:47px;height:47px;font-size:1.2rem}.identity-panel p{overflow-wrap:anywhere}.formula{padding:18px;font-size:.86rem;overflow-wrap:anywhere}.guide-directory{padding-bottom:45px}.topic-nav{gap:9px}.topic-nav a{font-size:.75rem;max-width:100%;padding:11px 13px}.guide-category{margin-top:35px}.guide-category>h2{font-size:1.85rem}.guide-category .editorial-card{min-height:0}.guide-category .editorial-card p{font-size:.85rem}.guide-category .editorial-card h3{font-size:1.1rem}.receipt-page,.error-page{padding-block:46px}.receipt-page h1,.error-page h1{font-size:2.5rem}.receipt-page .actions,.error-page .actions{gap:17px}.cc{bottom:12px;width:calc(100% - 24px);padding:19px 20px}.cc-inner{display:block}.cc h2{font-size:.86rem}.cc p{font-size:.73rem;line-height:1.65}.cc-actions{flex-direction:row;margin-top:15px}.cc-actions button{flex:1;min-height:45px;font-size:.82rem}.notice{padding:19px}.notice h2{font-size:1.5rem}}
@media(max-width:360px){.shell{width:calc(100% - 28px)}.brand-name{font-size:1.2rem}.header-phone{font-size:.68rem}.menu-toggle:not([hidden]){font-size:.68rem;padding-inline:7px;gap:5px}.hero-copy h1{font-size:2.24rem}.hero-copy .eyebrow{font-size:.55rem}.hero-visual{padding:21px}.visual-facts div{font-size:.71rem}.form-panel{padding-inline:18px}.panel{padding-inline:17px}.footer-main{column-gap:18px}.mobile-contact a{font-size:.72rem}.contact-copy h2{font-size:2.15rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}

/* Readability of legal, consent and form copy for the intended readership. */
.hero-caution,.form-footnote,.checkline,.field small,.source-note,.footer-legal,.byline,.breadcrumbs,.cc p{font-size:14px;line-height:1.75}
.utility-bar{font-size:12px}.brand-sub,.visual-top{font-size:12px}
.toc-panel{border-top:2px solid var(--ink)}.toc-panel>summary{font-size:.88rem;font-weight:700;padding:16px 0;min-height:48px;line-height:1.5}.toc-panel .toc{border-top:0;padding-top:0}
@media(max-width:900px){.article-sidebar{display:block}.article-sidebar .sidebar-contact{display:none}.toc-panel>summary{font-size:.93rem}.toc-panel .toc{padding-bottom:12px}}
@media(max-width:640px){.hero-copy .eyebrow{font-size:11px;letter-spacing:.09em}.utility-bar{font-size:11px}.header-phone{font-size:13px}.menu-toggle:not([hidden]){font-size:13px}.brand-name{font-size:1.35rem}.footer-main p,.footer-main a:not(.brand-name),.footer-bottom{font-size:14px}.footer-bottom nav{gap:6px 14px}.footer-main{column-gap:18px}}
@media(max-width:360px){.header-inner{gap:8px}.header-phone{font-size:12px}.menu-toggle:not([hidden]){font-size:12px}.brand-name{font-size:1.22rem}.utility-bar{font-size:10px}.hero-copy .eyebrow{font-size:10px}}

@media print{html{font-size:11pt;scroll-behavior:auto}body{background:white;color:#111}.utility-bar,.site-header,.site-footer,.mobile-contact,.cc,.skip-link,.article-sidebar,.inline-cta,.related,.print-button,.actions,.contact-section,.breadcrumbs,.topic-nav,.source-note{display:none!important}.shell{width:100%;margin:0}.page-intro{padding:0 0 18px}.page-intro h1{font-size:27pt}.page-summary{font-size:12pt}.article-layout{display:block;padding:0}.article-body h2{font-size:18pt;break-after:avoid}.article-body p,.article-body li{font-size:11pt}.article-body section{break-inside:auto}.article-body table{font-size:10pt}a{color:inherit;text-decoration:underline}.table-wrap{overflow:visible}.table-wrap table{min-width:0}.checklist-print li{list-style-type:square}.notice,.formula{background:#f1f1f1;padding:10pt}.byline{font-size:9pt}.faq details{break-inside:avoid}.section{padding-block:20px}.hero-grid,.trust-grid,.decision-grid,.guide-feature-grid,.faq-layout,.cards,.process-grid{display:block}.hero-visual{display:none}.home-hero{padding:0}.button{display:none}}
