:root{--navy:#082a56;--navy2:#123f70;--orange:#f05a16;--cream:#fbf6ed;--ice:#edf6fb;--line:#d9e2eb;--text:#17314f;--muted:#66778a;--white:#fff;--shadow:0 12px 35px rgba(13,43,75,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#fff;line-height:1.55}a{color:inherit;text-decoration:none}img{max-width:100%}.wrap{max-width:1240px;margin:auto;padding:0 24px}.site-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.97);border-bottom:1px solid #e8edf2;backdrop-filter:blur(12px)}.header-row{display:flex;align-items:center;justify-content:space-between;gap:28px;min-height:88px}.brand{display:flex;align-items:center;gap:12px;min-width:330px}.brand img,.brand svg{width:72px;height:58px;flex:none}.brand-name{font-family:Georgia,serif;color:var(--navy);font-size:24px;font-weight:700;line-height:1.0}.brand-name em{color:var(--orange);font-weight:500}.brand-sub{font-size:8px;letter-spacing:2px;color:var(--navy2);font-weight:700;margin-top:4px}.nav{display:flex;align-items:center;gap:25px;font-family:Georgia,serif;font-weight:700}.nav a{padding:31px 0 24px;border-bottom:3px solid transparent;white-space:nowrap}.nav a:hover,.nav a.active{color:var(--navy);border-color:var(--orange)}.ask-link{color:var(--navy);border-bottom-color:var(--orange)!important}.mobile-toggle{display:none;border:0;background:none;font-size:28px;color:var(--navy)}
.hero{position:relative;overflow:hidden;border-bottom:1px solid #e3eaf0;background:linear-gradient(100deg,#f7fbff 0%,#edf7fd 55%,#fff5e8 100%)}.hero:after{content:"";position:absolute;right:-2%;bottom:-70px;width:48%;height:260px;background:linear-gradient(135deg,transparent 0 12%,rgba(8,42,86,.08) 12% 14%,transparent 14% 22%,rgba(240,90,22,.12) 22% 24%,transparent 24% 35%,rgba(8,42,86,.07) 35% 37%,transparent 37%);transform:skewY(-5deg);pointer-events:none}.hero-inner{position:relative;z-index:2;display:grid;grid-template-columns:1.25fr .75fr;gap:40px;padding:64px 24px 56px}.eyebrow{color:var(--orange);font-size:12px;font-weight:800;letter-spacing:1.6px;text-transform:uppercase}.hero h1,.page-title{font-family:Georgia,serif;color:var(--navy);font-size:64px;line-height:.98;margin:8px 0 16px;letter-spacing:-1.6px}.hero h1 em{color:var(--orange);font-weight:500}.hero .lead{font-family:Georgia,serif;font-size:23px;line-height:1.3;max-width:760px}.hero-card{align-self:center;background:rgba(255,255,255,.88);border:1px solid #eee1cf;border-left:4px solid var(--orange);padding:26px 28px;box-shadow:var(--shadow);border-radius:4px;font-family:Georgia,serif;font-size:21px;color:var(--navy)}.btns{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:12px;padding:13px 22px;border-radius:7px;font-weight:700;border:2px solid var(--navy);color:var(--navy);background:#fff}.btn.primary{background:var(--orange);color:#fff;border-color:var(--orange)}.btn:hover{transform:translateY(-1px);box-shadow:0 5px 15px rgba(0,0,0,.08)}
.section{padding:44px 0}.section.alt{background:#f7fbfe}.section h2{font-family:Georgia,serif;color:var(--navy);font-size:34px;line-height:1.1;margin:0 0 20px}.section h2:after,.article h2:after{content:"";display:block;width:48px;border-top:3px solid var(--orange);margin-top:9px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid.two{grid-template-columns:repeat(2,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:9px;padding:23px;box-shadow:0 2px 9px rgba(13,43,75,.035)}.card:hover{border-color:#bfd0df;box-shadow:var(--shadow)}.card .cat{color:var(--orange);font-size:10px;letter-spacing:1.4px;font-weight:800;text-transform:uppercase}.card h3{font-family:Georgia,serif;color:var(--navy);font-size:23px;line-height:1.12;margin:7px 0 8px}.card p{color:var(--muted);margin:0 0 12px}.arrow{color:var(--orange);font-weight:900}.feature-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;border:1px solid var(--line);background:var(--line);border-radius:9px;overflow:hidden}.feature{background:linear-gradient(180deg,#f3faff,#edf5fb);padding:22px}.feature strong{display:block;font-family:Georgia,serif;color:var(--navy);font-size:19px}.feature small{display:block;margin-top:7px;color:var(--muted)}
.article-wrap{max-width:1160px;margin:auto;padding:0 24px}.breadcrumb{font-size:13px;color:#66778a;padding:18px 0 0}.article-hero{background:linear-gradient(100deg,#fff 0%,#f3f9fd 60%,#fff4e6 100%);border-bottom:1px solid var(--line)}.article-hero-inner{display:grid;grid-template-columns:1.4fr .6fr;gap:34px;padding:30px 0 34px}.article-hero h1{font-family:Georgia,serif;color:var(--navy);font-size:50px;line-height:1.02;margin:8px 0 12px;letter-spacing:-.8px}.article-hero .stand{font-family:Georgia,serif;font-size:20px;line-height:1.4}.side-intro{background:var(--cream);border-left:4px solid var(--orange);padding:22px;border-radius:5px;align-self:end}.side-intro strong{display:block;font-family:Georgia,serif;font-size:21px;color:var(--navy);margin-bottom:7px}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:42px;padding:38px 0 54px}.article h2{font-family:Georgia,serif;color:var(--navy);font-size:28px;line-height:1.15;margin:34px 0 13px}.article h2:first-child{margin-top:0}.article p{font-size:17px;margin:0 0 14px}.article ul{margin:9px 0 20px 20px;padding:0}.article li{font-size:17px;margin:7px 0;padding-left:5px}.takeaway{background:linear-gradient(90deg,#eef7fc,#fff5e9);border-left:4px solid var(--orange);padding:21px 24px;margin:30px 0;border-radius:5px}.takeaway strong{font-family:Georgia,serif;font-size:22px;color:var(--navy)}.sidebar{position:sticky;top:112px;align-self:start}.sidebox{border:1px solid var(--line);border-radius:7px;padding:20px;background:#fff;margin-bottom:16px}.sidebox.cream{background:var(--cream)}.sidebox h3{font-family:Georgia,serif;color:var(--navy);font-size:22px;margin:0 0 12px}.sidebox ul{list-style:none;padding:0;margin:0}.sidebox li{border-top:1px solid #e5e8eb;padding:10px 0;font-size:14px}.sidebox li:first-child{border-top:0}.sidebox li a:hover{color:var(--orange)}.disclaimer{font-size:12px;color:#6d7a88;border-top:1px solid var(--line);padding-top:18px;margin-top:34px}
.page-head{padding:38px 0 30px;background:linear-gradient(100deg,#f6fbff,#fff4e5);border-bottom:1px solid var(--line)}.page-head h1{font-family:Georgia,serif;color:var(--navy);font-size:54px;line-height:1;margin:0 0 12px}.page-head p{font-family:Georgia,serif;font-size:21px;max-width:760px}.tag-nav{display:flex;gap:10px;flex-wrap:wrap;margin:22px 0 0}.tag{padding:9px 14px;border:1px solid var(--line);border-radius:999px;background:#fff;font-size:14px}.tag:hover{border-color:var(--orange);color:var(--orange)}
.site-footer{background:var(--navy);color:#fff;padding:28px 0}.footer-row{display:flex;justify-content:space-between;gap:24px;align-items:center}.footer-brand{font-family:Georgia,serif;font-size:20px}.footer-sub{font-size:12px;opacity:.78}.footer-links{display:flex;gap:20px;flex-wrap:wrap;font-size:13px}.footer-links a:hover{color:#ff9b6a}
.searchbar{display:flex;gap:10px;margin:0 0 24px}.searchbar input{width:100%;padding:14px 16px;border:1px solid var(--line);border-radius:7px;font-size:16px}.searchbar button{padding:0 22px;border:0;border-radius:7px;background:var(--navy);color:#fff;font-weight:700}.quiz-option{display:block;width:100%;text-align:left;padding:12px 14px;border:1px solid var(--line);background:#fff;border-radius:7px;margin:8px 0;cursor:pointer}.quiz-option:hover{border-color:var(--orange)}.quiz-result{display:none;margin-top:10px;padding:12px;background:var(--ice);border-radius:6px}.fee-table{width:100%;border-collapse:collapse;margin:14px 0 24px}.fee-table th,.fee-table td{border:1px solid var(--line);padding:12px;text-align:left}.fee-table th{background:#eef6fb;color:var(--navy)}
@media(max-width:980px){.nav{display:none;position:absolute;left:0;right:0;top:88px;background:#fff;flex-direction:column;gap:0;border-bottom:1px solid var(--line);padding:10px 24px 20px}.nav.open{display:flex}.nav a{padding:12px 0;width:100%}.mobile-toggle{display:block}.brand{min-width:0}.brand-name{font-size:20px}.hero-inner,.article-hero-inner,.article-layout{grid-template-columns:1fr}.hero h1{font-size:52px}.article-hero h1{font-size:42px}.sidebar{position:static}.grid{grid-template-columns:repeat(2,1fr)}.feature-strip{grid-template-columns:repeat(2,1fr)}}
@media(max-width:650px){.wrap,.article-wrap{padding-left:16px;padding-right:16px}.header-row{min-height:72px}.brand img,.brand svg{width:55px;height:45px}.brand-name{font-size:17px}.brand-sub{display:none}.nav{top:72px}.hero-inner{padding-top:38px;padding-bottom:38px}.hero h1{font-size:40px}.hero .lead{font-size:19px}.hero-card{font-size:18px}.page-head h1{font-size:42px}.grid,.grid.two,.feature-strip{grid-template-columns:1fr}.article-hero h1{font-size:36px}.article p,.article li{font-size:16px}.footer-row{flex-direction:column;align-items:flex-start}.btns{display:grid}.btn{width:100%}}

/* Navigation switches before the desktop header becomes crowded. */
@media(min-width:981px) and (max-width:1200px){.nav{display:none;position:absolute;left:0;right:0;top:88px;background:#fff;flex-direction:column;gap:0;border-bottom:1px solid var(--line);padding:10px 24px 20px}.nav.open{display:flex}.nav a{padding:12px 0;width:100%}.mobile-toggle{display:block}}
.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}
.search-status{color:var(--muted);margin:0 0 20px}
[hidden]{display:none!important}
a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid var(--orange);outline-offset:3px}