*{box-sizing:border-box}:root{--bg:#f6f7fb;--surface:#fff;--surface-soft:#fdfdfd;--text:#101828;--muted:#475467;--line:#e4e7ec;--yellow:#ffe600;--blue:#009ee3;--blue-dark:#0b6ea8;--shadow:0 14px 40px rgba(15,23,42,.08);--radius:20px}html{scroll-behavior:smooth}body{margin:0;background:linear-gradient(180deg,#fffef7 0,var(--bg) 22%,#f6f7fb 100%);color:var(--text);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif}a{color:inherit;text-decoration:none}button,input,label,li,p,select,textarea{line-height:1.7}li,p{color:var(--muted)}.shell{width:min(1180px,calc(100% - 40px));margin:0 auto}.site-header{position:-webkit-sticky;position:sticky;top:0;z-index:40;-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);background:hsla(0,0%,100%,.9);border-bottom:1px solid rgba(16,24,40,.06)}.nav-shell{min-height:78px;display:grid;grid-template-columns:minmax(0,auto) 1fr auto;align-items:center;grid-gap:18px;gap:18px}.brand-mark{display:flex;align-items:center;gap:10px;min-width:0}.brand-square{width:16px;height:16px;border-radius:4px;background:var(--yellow);box-shadow:inset 0 0 0 1px rgba(59,47,0,.12);flex:0 0 auto}.brand-lockup{display:flex;flex-direction:column;gap:1px;min-width:0}.brand-kicker{font-size:.72rem;text-transform:uppercase;letter-spacing:.08em;font-weight:800;color:#667085}.brand-text{font-size:.98rem;font-weight:800;color:#1d2939;white-space:nowrap}.nav-links{display:flex;align-items:center;justify-content:center;gap:16px;min-width:0;flex-wrap:wrap}.nav-link{color:#344054;font-weight:600;font-size:.95rem;white-space:nowrap}.crumb-link:hover,.footer-column a:hover,.nav-link:hover,.sitemap-list a:hover,.text-link:hover{color:var(--blue-dark)}.button-primary,.button-secondary,.nav-cta{display:inline-flex;align-items:center;justify-content:center;border-radius:14px;padding:14px 18px;font-weight:800;transition:transform .16s ease,box-shadow .16s ease;cursor:pointer}.button-primary{background:var(--yellow);color:#3b2f00;box-shadow:0 10px 25px rgba(255,230,0,.22);border:0}.button-secondary{background:#fff;color:var(--blue-dark);border:1px solid rgba(0,158,227,.18)}.button-primary:hover,.button-secondary:hover{transform:translateY(-1px)}.crumbs-bar{border-bottom:1px solid rgba(16,24,40,.06);background:hsla(0,0%,100%,.64)}.crumbs-shell{min-height:44px;display:flex;align-items:center;gap:8px;flex-wrap:wrap;font-size:.93rem}.crumb-link{color:#475467;font-weight:600}.crumb-separator{color:#98a2b3}.crumb-current{color:#1d2939;font-weight:700}.editorial-main,.home-main{padding:42px 0 72px}.hero-grid{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(280px,.8fr);grid-gap:24px;gap:24px;align-items:stretch}.article-card,.aside-card,.feature-card,.hero-card,.hero-side-card,.newsletter-band{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}.hero-card{padding:34px}.hero-card--home{min-height:420px}.hero-card--compact{padding:30px}.aside-card,.hero-side-card{padding:28px}.aside-kicker,.eyebrow,.footer-kicker{margin:0 0 12px;text-transform:uppercase;letter-spacing:.08em;font-size:.78rem;font-weight:800;color:var(--blue-dark)}.footer-kicker--light{color:hsla(0,0%,100%,.76)}.footer-brand h2,.hero-card h1,.hero-card h2,.section-heading h2{margin:0;line-height:1.08;color:#101828}.hero-card h1{font-size:clamp(2.35rem,4vw,4rem);max-width:16ch}.hero-lead{font-size:1.12rem;max-width:70ch}.hero-lead,.hero-paragraph{margin-top:18px}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:24px}.article-section h2,.aside-card h3,.feature-card h2,.feature-card h3,.hero-side-card h2{margin-top:0;color:#101828}.aside-card ul,.check-list,.hero-side-card ul,.sitemap-list{margin:18px 0 0;padding-left:20px}.section-spacing{margin-top:30px}.section-heading{max-width:78ch;margin-bottom:18px}.section-heading.narrow{max-width:70ch}.feature-grid,.guide-grid,.sitemap-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:18px;gap:18px}.feature-card,.guide-card{padding:24px}.reading-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:14px;gap:14px}.reading-link{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px 20px;font-weight:700;box-shadow:0 10px 24px rgba(15,23,42,.05)}.newsletter-band{padding:28px 30px;display:grid;grid-template-columns:minmax(0,.95fr) minmax(320px,.85fr);align-items:start;grid-gap:22px;gap:22px}.newsletter-copy h2{margin:0}.editorial-shell{display:grid;grid-gap:24px;gap:24px}.form-page-shell{gap:20px}.content-grid{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(270px,.8fr);grid-gap:24px;gap:24px;align-items:start}.content-grid--form{grid-template-columns:minmax(0,1fr) minmax(340px,.92fr)}.article-card{padding:8px 30px 30px}.article-section{padding-top:24px;border-top:1px solid rgba(16,24,40,.06);margin-top:24px}.article-section:first-child{margin-top:0;padding-top:0;border-top:0}.article-section p{white-space:pre-line}.aside-card,.form-card{position:-webkit-sticky;position:sticky;top:104px}.aside-note{margin-top:22px;padding-top:18px;border-top:1px dashed rgba(16,24,40,.16)}.field-grid{display:grid;grid-template-columns:1fr 1fr;grid-gap:14px;gap:14px}.field{display:grid;grid-gap:8px;gap:8px;margin-bottom:14px;color:#1d2939;font-weight:700}.field input,.field select,.field textarea{width:100%;border:1px solid #d0d5dd;border-radius:14px;padding:13px 14px;font:inherit;color:#101828;background:#fff}.field textarea{resize:vertical}.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid rgba(0,158,227,.16);border-color:rgba(0,158,227,.35)}.form-button{width:100%;margin-top:8px}.form-note{margin:14px 0 0;color:var(--blue-dark);font-weight:600}.newsletter-form--compact .field-grid{grid-template-columns:1fr}.newsletter-form--compact .field{margin-bottom:10px}.site-footer{padding:54px 0 24px}.site-footer--dark{background:#0b0f19;color:hsla(0,0%,100%,.9)}.site-footer a,.site-footer h2,.site-footer h3,.site-footer li,.site-footer p{color:inherit}.footer-grid{display:grid;grid-template-columns:minmax(0,1.4fr) repeat(4,minmax(150px,1fr));grid-gap:26px;gap:26px}.footer-column ul{list-style:none;padding:0;margin:0}.footer-column li+li{margin-top:10px}.footer-bottom{margin-top:26px;padding-top:18px;border-top:1px solid hsla(0,0%,100%,.12);display:flex;gap:20px;justify-content:space-between;flex-wrap:wrap}.soon-card{background:linear-gradient(135deg,rgba(255,230,0,.22),hsla(0,0%,100%,.96))}.text-link{font-weight:800;color:var(--blue-dark)}@media (max-width:1100px){.nav-shell{grid-template-columns:1fr;padding:14px 0;justify-items:start}.nav-links{justify-content:flex-start}.footer-grid{grid-template-columns:1fr 1fr}}@media (max-width:1024px){.content-grid,.feature-grid,.footer-grid,.guide-grid,.hero-grid,.newsletter-band,.reading-list,.sitemap-grid{grid-template-columns:1fr}.aside-card,.form-card{position:static}}@media (max-width:640px){.shell{width:min(100% - 24px,1180px)}.article-card,.aside-card,.feature-card,.hero-card,.hero-side-card,.newsletter-band{padding-left:20px;padding-right:20px}.hero-card h1{font-size:2.3rem}.brand-text{white-space:normal}.field-grid{grid-template-columns:1fr}}:root{--content-max-width:78ch}article blockquote,article li,article p,main blockquote,main li,main p,section blockquote,section li,section p{text-align:justify;text-justify:inter-word;hyphens:auto;-webkit-hyphens:auto;-ms-hyphens:auto;overflow-wrap:break-word;word-break:normal}.badge,.breadcrumbs,.card-subtitle,.card-title,.hero-actions,.kpi,.site-footer,.site-nav,button,footer p,input,label,nav p,select,small,textarea{text-align:left;-webkit-hyphens:manual;hyphens:manual}.editorial-content,main .content,main .prose,main article{max-width:var(--content-max-width);margin-left:auto;margin-right:auto}article ol,article ul,main ol,main ul,section ol,section ul{padding-left:1.35rem}article li+li,main li+li,section li+li{margin-top:.35rem}.footer-intro{text-align:justify!important;hyphens:auto;-webkit-hyphens:auto;-ms-hyphens:auto}.page-shell{max-width:1180px;margin:0 auto}.page-chip{display:inline-flex;width:-moz-fit-content;width:fit-content;padding:8px 12px;border-radius:999px;font-weight:800}.page-chip--yellow{background:#fff7c8;color:#6d5600}.surface-card{background:#fff;border:1px solid #e4e8ef;border-radius:24px;box-shadow:0 10px 30px rgba(16,17,20,.05)}.section-kicker,.side-kicker{font-size:13px;font-weight:800;color:#735c0f;text-transform:uppercase;letter-spacing:.04em}.home-page-shell{padding:34px 20px 56px}.home-hero-grid{display:grid;grid-template-columns:minmax(0,1.12fr) minmax(320px,.88fr);grid-gap:24px;gap:24px;align-items:stretch;margin-bottom:34px}.home-hero-primary,.home-hero-side{padding:30px;display:grid;grid-gap:18px;gap:18px}.home-hero-title{margin:0;font-size:clamp(2.25rem,4.4vw,3.85rem);line-height:.98;max-width:10.8ch}.home-hero-copy{display:grid;grid-gap:14px;gap:14px;font-size:18px;line-height:1.8;color:#374151}.home-actions{display:flex;gap:12px;flex-wrap:wrap;padding-top:2px}.home-action-link{min-height:48px}.home-side-title{margin:0;font-size:clamp(1.8rem,2.8vw,2.35rem);line-height:1.08}.home-side-list{margin:0;padding-left:20px;line-height:1.8;color:#4b5563}.home-side-list,.home-side-process{display:grid;grid-gap:10px;gap:10px}.home-side-process{border-radius:18px;border:1px solid #e8edf5;background:#f8fafc;padding:18px;color:#475569;line-height:1.75}.home-side-process-title{font-weight:800;color:#0f172a}.home-entry-section{display:grid;grid-gap:16px;gap:16px;margin-bottom:18px}.home-entry-heading{display:grid;grid-gap:8px;gap:8px;max-width:760px}.home-entry-heading h2{margin:0;font-size:clamp(1.9rem,3vw,2.45rem);line-height:1.08}.home-entry-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));grid-gap:18px;gap:18px}.home-entry-card{padding:24px;display:grid;grid-gap:14px;gap:14px}.home-entry-card h3{margin:0;font-size:24px;line-height:1.15}.home-entry-card p{margin:0;color:#4b5563;line-height:1.75}.site-nav-header{position:-webkit-sticky;position:sticky;top:0;z-index:40;background:hsla(0,0%,100%,.96);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-bottom:1px solid #e7ebf1}.site-nav-shell{max-width:1180px;margin:0 auto;padding:12px 20px 10px}.site-nav-main{display:flex;align-items:center;justify-content:space-between;gap:20px}.site-nav-brand{display:inline-flex;align-items:center;gap:12px;color:inherit;text-decoration:none;min-width:0;flex:0 1 auto}.site-nav-brand-mark{width:18px;height:18px;border-radius:4px;background:#ffe600;box-shadow:inset 0 0 0 1px rgba(0,0,0,.08);flex:0 0 auto}.site-nav-brand-copy{display:grid;grid-gap:2px;gap:2px;min-width:0}.site-nav-brand-title{font-weight:900;letter-spacing:.4px;line-height:1}.site-nav-brand-subtitle{font-size:13px;color:#5d6470;line-height:1.15}.site-nav-links{display:flex;align-items:center;gap:10px;min-width:0}.site-nav-link{text-decoration:none;color:#445062;border-radius:999px;padding:10px 14px;font-weight:700;font-size:15px;white-space:nowrap;border:1px solid transparent}.site-nav-link--active{color:#101114;background:#ffe600;border-color:rgba(0,0,0,.08)}.site-breadcrumbs{margin-top:10px;display:flex;gap:8px;flex-wrap:wrap;font-size:13px;color:#6c7480}.site-breadcrumbs-item{display:inline-flex;gap:8px;align-items:center}.site-breadcrumbs-separator{color:#a3aab5}.site-breadcrumbs-link{color:inherit;text-decoration:none}.site-footer-dark{background:#0d1015;color:#f3f5f7;margin-top:64px}.site-footer-shell{max-width:1180px;margin:0 auto;padding:38px 20px 28px}.site-footer-top{display:grid;grid-template-columns:minmax(260px,.95fr) minmax(0,1.55fr);grid-gap:34px;gap:34px;align-items:start}.site-footer-brand-block{min-width:0}.site-footer-brand-row{display:flex;align-items:center;gap:12px;margin-bottom:16px}.site-footer-brand-mark{width:18px;height:18px;border-radius:4px;background:#ffe600;flex:0 0 auto}.site-footer-brand-title{font-weight:900;letter-spacing:.4px}.site-footer-brand-subtitle{color:#c5cbd3;font-size:14px}.site-footer-intro{color:#d7dde4;line-height:1.75;margin:0}.site-footer-links-area{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));grid-gap:22px;gap:22px;align-items:start}.site-footer-column h3{margin:0 0 14px;font-size:18px;color:#f3f5f7}.site-footer-link-list{display:grid;grid-gap:10px;gap:10px}.site-footer-link{color:#f3f5f7;text-decoration:none;line-height:1.55}.site-breadcrumbs-link:hover,.site-footer-link:hover,.site-nav-link:hover{color:inherit}.site-footer-legal-block{border-top:1px solid hsla(0,0%,100%,.12);margin-top:30px;padding-top:22px}.site-footer-legal-title{font-weight:800;margin-bottom:14px;text-align:center}.site-footer-legal-row{display:flex;gap:18px;flex-wrap:wrap;justify-content:center}.site-footer-bottom{border-top:1px solid hsla(0,0%,100%,.12);margin-top:24px;padding-top:20px;display:grid;grid-gap:10px;gap:10px}.site-footer-bottom p{margin:0;color:#c5cbd3;text-align:center}.site-footer-bottom a{color:#ffe600}.two-card-form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:22px;gap:22px;align-items:start}.page-intro-reading{max-width:none!important;width:100%}.year-round-shell article p,.year-round-shell section p{max-width:none}@media (max-width:980px){.home-entry-grid,.home-hero-grid,.site-footer-links-area,.site-footer-top,.two-card-form-grid{grid-template-columns:1fr}.site-nav-main{flex-direction:column;align-items:stretch}.site-nav-links{overflow-x:auto;flex-wrap:nowrap;padding-bottom:2px;scrollbar-width:none}.site-nav-links::-webkit-scrollbar{display:none}.home-hero-title{max-width:13ch}}@media (max-width:640px){.home-page-shell,.page-shell{padding-left:16px!important;padding-right:16px!important}.site-footer-shell,.site-nav-shell{padding-left:16px;padding-right:16px}.site-nav-link{padding:9px 12px;font-size:14px}.site-nav-brand-subtitle{font-size:12px}.site-breadcrumbs{display:none}.home-entry-card,.home-hero-primary,.home-hero-side{padding:22px}.home-hero-title{font-size:2.45rem;max-width:12ch}.home-side-title{font-size:1.85rem}.home-hero-copy,.home-side-list,.page-intro-reading{font-size:17px}}.guide-pager-shell{max-width:1180px;margin:0 auto;padding:0 20px}.guide-pager-card{margin-top:20px;padding:24px;border:1px solid #e2e8f0;border-radius:24px;background:#fff;box-shadow:0 8px 24px rgba(16,17,20,.04)}.guide-pager-header{display:grid;grid-gap:8px;gap:8px;margin-bottom:18px}.guide-pager-eyebrow{display:inline-flex;width:-moz-fit-content;width:fit-content;padding:7px 12px;border-radius:999px;background:#eef2f7;color:#334155;font-size:12px;font-weight:800;letter-spacing:.02em;text-transform:uppercase}.guide-pager-title{margin:0;font-size:clamp(1.35rem,2vw,1.8rem);line-height:1.15}.guide-pager-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:16px;gap:16px}.guide-pager-link{display:grid;grid-gap:10px;gap:10px;min-height:132px;padding:20px;text-decoration:none;color:#101114;background:#f8fafc;border:1px solid #dbe3ee;border-radius:18px}.guide-pager-link-kicker{color:#0b6db4;font-size:13px;font-weight:800}.guide-pager-link-title{font-size:1.05rem;line-height:1.4;font-weight:800}.guide-pager-link--placeholder{visibility:hidden}@media (max-width:640px){.site-nav-link--hide-mobile{display:none}.guide-pager-shell{padding-left:16px;padding-right:16px}.guide-pager-card{padding:20px;border-radius:20px}.guide-pager-grid{grid-template-columns:1fr}.guide-pager-link,.guide-pager-link--placeholder{min-height:0}.guide-pager-link--placeholder{display:none}}