:root{--ink:#193c32;--paper:#f5f3eb;--line:#c9d0c3;--accent:#914b31;--muted:#50675d}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:2rem}body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.7 Arial,Helvetica,sans-serif}a{color:inherit;text-decoration-thickness:1px;text-underline-offset:.22em}a:hover{color:var(--accent)}button,input,select,textarea{font:inherit}button,a,input,select,textarea{touch-action:manipulation}:focus-visible{outline:3px solid var(--accent);outline-offset:4px}.skip{position:absolute;top:-100px;left:10px;background:white;padding:10px;z-index:10}.skip:focus{top:10px}.wrap{width:min(1200px,calc(100% - 64px));margin:auto}header{border-bottom:1px solid var(--line)}.head{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:22px 0}.brand{text-decoration:none;font:26px/1.1 Georgia,serif;letter-spacing:-.8px}.brand span{display:block;font:10px/1.5 Arial,sans-serif;letter-spacing:3px;text-transform:uppercase;margin-top:4px}.head nav{display:flex;gap:28px;font-size:14px}.hero{display:grid;grid-template-columns:1.1fr .9fr;gap:72px;padding:64px 0 72px;align-items:start}.hero h1{font:clamp(38px,4.6vw,67px)/1.07 Georgia,serif;letter-spacing:-2px;margin:4px 0 25px;font-weight:normal}.hero .intro{max-width:580px;font-size:20px;line-height:1.55}.hero-note{border-top:1px solid var(--line);margin-top:30px;padding-top:20px;color:var(--muted);font-size:15px}.drawing{width:100%;height:auto;margin-top:25px}.lead-form{background:white;border:1px solid var(--line);padding:28px 30px;box-shadow:8px 8px 0 #e3e7dc}.lead-form h2{font:28px/1.2 Georgia,serif;margin:0 0 8px}.lead-form .small{margin:0 0 20px;font-size:14px;color:var(--muted)}.fields{display:grid;grid-template-columns:1fr 1fr;gap:13px}.field{display:flex;flex-direction:column;gap:4px;font-size:14px}.field.wide{grid-column:1/-1}input,select,textarea{width:100%;border:1px solid #9caea2;background:white;padding:10px;border-radius:0;color:var(--ink);min-height:44px}textarea{min-height:95px;resize:vertical}.consent{display:flex;gap:9px;font-size:12px;line-height:1.5;margin:16px 0}.consent input{width:18px;min-height:18px;height:18px;flex-shrink:0;margin-top:3px}.hp{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%)}button{width:100%;background:var(--ink);color:white;border:0;padding:13px;cursor:pointer}button:disabled{opacity:.55;cursor:wait}.status{font-size:14px;line-height:1.5;margin:10px 0 0}.status:empty{display:none}.section{padding:65px 0;border-top:1px solid var(--line)}h2{font:clamp(28px,3vw,42px)/1.2 Georgia,serif;font-weight:normal;letter-spacing:-.6px;margin:0 0 25px}h3{font-size:20px;line-height:1.35;margin:28px 0 12px}.section-grid{display:grid;grid-template-columns:1fr 1.45fr;gap:70px}.section p{margin:0 0 20px}.table-wrap{overflow-x:auto}table{border-collapse:collapse;width:100%;font-size:15px}th,td{text-align:left;vertical-align:top;padding:15px 12px;border-bottom:1px solid var(--line)}th{background:#e6ebdf}ul,ol{padding-left:23px}li{margin:9px 0}.guide-list{display:grid;grid-template-columns:1fr 1fr;gap:0 50px}.guide-item{border-top:1px solid var(--line);padding:23px 0}.guide-item a{font:25px/1.2 Georgia,serif}.guide-item p{font-size:15px;margin:12px 0 0}.article-head{padding:45px 0 35px;max-width:850px}.breadcrumb{font-size:13px;color:var(--muted)}.article-head h1{font:clamp(36px,5vw,60px)/1.1 Georgia,serif;letter-spacing:-1.5px;font-weight:normal;margin:25px 0 20px}.article-head .intro{font-size:21px;line-height:1.6}.article-layout{display:grid;grid-template-columns:230px minmax(0,760px);gap:75px;padding:20px 0 75px}.toc{border-top:2px solid var(--ink);padding-top:18px;font-size:14px;align-self:start;position:sticky;top:25px}.toc a{display:block;margin:14px 0}.prose h2{margin:48px 0 20px;font-size:34px}.prose h2:first-child{margin-top:0}.prose p{margin:0 0 21px}.decision{border-left:3px solid var(--accent);padding:20px 26px;background:#eceee3;margin:28px 0}.decision h3{margin-top:0}.sources{border-top:1px solid var(--line);margin-top:45px;padding-top:25px;font-size:14px}.sources li{overflow-wrap:anywhere}.end-cta{margin-top:45px;border-top:2px solid var(--ink);padding-top:25px}.legal{max-width:790px;padding:55px 0 80px}.legal h1{font:48px Georgia,serif}.legal h2{font-size:28px;margin-top:35px}footer{background:var(--ink);color:var(--paper);padding:38px 0}.foot{display:flex;justify-content:space-between;gap:40px}.foot p{font-size:13px;max-width:680px;margin:0}.foot nav{display:flex;gap:22px;font-size:13px}.updated{font-size:13px;color:var(--muted)}@media(max-width:850px){.wrap{width:calc(100% - 36px)}.hero{gap:30px;grid-template-columns:1fr 1fr;padding-top:40px}.hero h1{font-size:46px}.section-grid{gap:30px;grid-template-columns:1fr 1.4fr}.article-layout{grid-template-columns:180px 1fr;gap:35px}.lead-form{padding:24px 20px}}@media(max-width:640px){body{font-size:16px}.head{padding:15px 0;gap:12px}.brand{font-size:23px}.brand span{font-size:8px;letter-spacing:2px}.head nav{gap:14px;font-size:12px}.head nav a:last-child{display:none}.hero{display:flex;flex-direction:column;gap:20px;padding:27px 0 40px}.hero-text{display:contents}.hero h1{font-size:39px;letter-spacing:-1.4px;margin:0 0 9px}.hero .intro{font-size:17px;line-height:1.5;margin:0}.hero-top{order:0}.lead-form{order:1;width:100%;padding:23px 20px}.hero-extra{order:2}.hero-note{margin-top:10px}.drawing{margin-top:5px;max-height:220px}.section{padding:40px 0}.section-grid{grid-template-columns:1fr;gap:15px}.guide-list{grid-template-columns:1fr}.article-head{padding:25px 0 20px}.article-head h1{font-size:37px;letter-spacing:-1px}.article-head .intro{font-size:18px}.article-layout{display:block;padding-top:0}.toc{position:static;margin:0 0 35px}.toc a{margin:8px 0}.prose h2{font-size:29px;margin-top:37px}.foot{display:block}.foot nav{margin-top:25px}.fields{gap:12px}.field{font-size:13px}.lead-form h2{font-size:26px}.decision{padding:18px}.legal h1{font-size:38px}}