@font-face{font-family:Open Sans;src:url('/fonts/OpenSans-Regular.ttf') format('truetype');font-weight:400;font-display:swap}
@font-face{font-family:Open Sans;src:url('/fonts/OpenSans-Semibold.ttf') format('truetype');font-weight:600;font-display:swap}
@font-face{font-family:Open Sans;src:url('/fonts/OpenSans-Bold.ttf') format('truetype');font-weight:700;font-display:swap}
:root{color-scheme:dark;--bg:#080f19;--surface:#0c1828;--surface-2:#102137;--text:#f3f5f4;--muted:#aebdcc;--teal:#57d6c5;--brand-teal:#0fb5a7;--line:#293b4b;--navy:#0f2d5b;--ivory:var(--text);--soft:var(--surface);--max:1440px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:140px}body{margin:0;background:var(--bg);color:var(--text);font:17px/1.65 'Open Sans',Arial,sans-serif}a{color:inherit;text-underline-offset:5px}a:hover{color:var(--teal)}button,input,summary{font:inherit}button,a,summary{-webkit-tap-highlight-color:transparent}:focus-visible{outline:3px solid var(--teal);outline-offset:5px}[hidden]{display:none!important}h1,h2,h3,h4,p{margin-top:0}h1,h2,h3,h4{font-weight:600;letter-spacing:-.045em;line-height:1.12}h1{font-size:clamp(44px,5.2vw,78px)}h2{font-size:clamp(34px,4vw,58px)}h3{font-size:25px}h4{font-size:18px}p{margin-bottom:24px}small{font-size:12px;line-height:1.6}.skip{position:fixed;top:-100px;left:20px;z-index:20;background:var(--surface-2);padding:15px}.skip:focus{top:10px}.site-header{position:sticky;top:0;z-index:10;display:flex;align-items:center;justify-content:space-between;gap:24px;padding:13px max(5%,calc((100vw - var(--max))/2));min-height:118px;background:#080f19f5;border-bottom:1px solid var(--line)}.brand{display:block;flex:0 0 auto}.brand img{display:block;width:clamp(280px,27vw,380px);height:auto;max-width:100%}.desktop-nav{display:flex;align-items:center;gap:28px;font-size:14px;font-weight:600}.desktop-nav a{text-decoration:none;white-space:nowrap;padding:12px 0}.desktop-nav .nav-cta{padding:12px 18px;border:1px solid #456370;border-radius:3px;display:flex;gap:22px}.mobile-menu{display:none}.section{max-width:var(--max);margin:0 auto;padding:100px 5%}.eyebrow{font-size:11px;font-weight:700;letter-spacing:.13em;line-height:1.6;color:var(--teal);text-transform:uppercase;margin-bottom:24px}.signal{display:inline-block;width:6px;height:6px;border-radius:50%;background:var(--teal);margin-right:10px;vertical-align:middle}.button{display:inline-flex;align-items:center;justify-content:space-between;gap:35px;min-height:54px;padding:15px 21px;background:var(--teal);border:1px solid var(--teal);border-radius:3px;color:#07262a;font-size:14px;font-weight:700;line-height:1.5;text-decoration:none}.button:hover{background:#90eadc;color:#07262a}.button span{font-size:22px;font-weight:400}.text-link{font-size:14px;font-weight:600;text-decoration:none;border-bottom:1px solid #56727b;padding:8px 0;display:inline-block}.text-link span{margin-left:20px}.hero{display:grid;grid-template-columns:1.05fr 1fr;align-items:center;gap:10px;padding-top:72px;padding-bottom:74px;overflow:hidden}.hero-copy{position:relative;z-index:1}.hero h1{margin-bottom:26px;line-height:1.06;letter-spacing:-.058em}.hero h1 span{color:#a4c5d2}.hero-pressure{font-size:clamp(19px,1.65vw,24px);line-height:1.55;font-weight:400;color:var(--text);margin-bottom:20px}.hero-intro{max-width:480px;color:var(--muted);font-size:16px;line-height:1.8;margin-bottom:28px}.hero-actions{display:flex;flex-wrap:wrap;gap:18px 26px;align-items:center}.hero-actions .text-link{font-size:13px}.hero-agency{font-size:12px;color:var(--muted);margin:24px 0 0}.hero-art{position:relative;min-width:0;align-self:center}.hero-art picture{display:block;position:relative}.hero-art img{display:block;width:112%;height:auto;max-width:none;margin-left:-4%;aspect-ratio:1;object-fit:contain}.art-caption{font-size:11px;letter-spacing:.02em;color:var(--muted);border-top:1px solid var(--line);padding:15px 0;max-width:470px;margin:0 auto}.art-caption span{color:var(--teal);margin-right:15px}.trust-strip{max-width:var(--max);margin:auto;display:flex;justify-content:space-between;align-items:center;gap:18px;padding:25px 5%;border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:linear-gradient(100deg,#102235,#0a131f);font-size:13px;color:var(--muted)}.trust-strip strong{font-size:19px;color:var(--text);font-weight:600}.trust-strip>span{padding-left:23px;border-left:1px solid #3c525c}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:50px;margin-bottom:48px}.section-heading h2{margin-bottom:0}.section-heading>p{max-width:370px;color:var(--muted);font-size:16px;margin:0 0 4px}.evidence-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px}.fact{border-top:1px solid var(--line);padding-top:28px}.fact-number{font-size:clamp(52px,5.4vw,76px);font-weight:400;letter-spacing:-.06em;line-height:1.1;margin-bottom:22px;color:var(--teal)}.fact-number span{font-size:.6em}.fact h3{font-size:22px;margin-bottom:15px;letter-spacing:-.025em}.fact>p:not(.fact-number){font-size:16px;color:var(--muted);max-width:480px;margin-bottom:18px}.fact>a{font-size:12px;display:block;margin-bottom:12px}.fact>a span{margin-left:8px}.fact small{display:block;color:#91a5b8;max-width:470px}.source-note{font-size:12px;line-height:1.75;color:#91a5b8;margin:28px 0 0;max-width:980px}.source-note a{color:#bccedb}.industry-section{border-top:1px solid var(--line)}.industry-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:24px}.industry{position:relative;display:flex;flex-direction:column;min-height:340px;padding:28px 20px 23px;text-decoration:none;border-top:1px solid #36515e;background:linear-gradient(160deg,#102235,#0a131f 65%);border-radius:3px;transition:background .2s,border-color .2s}.industry:hover{background:linear-gradient(160deg,#163143,#0e1d2c 65%);border-color:var(--teal);color:var(--text)}.industry-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:35px;color:var(--teal)}.industry-top svg{width:48px;height:48px}.industry-top>span{font-size:24px}.industry .eyebrow{font-size:10px;letter-spacing:.08em;margin-bottom:16px;color:#9bb0c0}.industry h3{font-size:23px;letter-spacing:-.03em;line-height:1.25;margin-bottom:18px}.industry p:not(.eyebrow){font-size:14px;color:var(--muted);line-height:1.75}.industry-link{margin-top:auto;font-size:12px;color:var(--teal);padding-top:14px}.response-section{background:linear-gradient(130deg,#0d1c2e,#080f19);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.response-rows article{display:grid;grid-template-columns:40px 1fr 1.2fr .9fr;gap:30px;border-top:1px solid var(--line);padding:30px 0}.row-number{font-size:11px;color:var(--teal);padding-top:5px}.response-rows h3{font-size:24px;line-height:1.25;max-width:240px;margin:0}.response-rows p{font-size:15px;color:var(--muted);margin:0}.response-rows .terms{font-size:13px;color:#91a5b8}.limits-section{display:grid;grid-template-columns:1fr 1fr;gap:10%;align-items:center}.limit-copy h2{font-size:clamp(35px,3.3vw,50px)}.limit-copy h2 span{color:#a4c5d2}.limit-copy>p:not(.eyebrow){color:var(--muted);font-size:16px;max-width:440px}.policy-layers{border:1px solid #36515e;background:radial-gradient(ellipse at 10% 0,#153448,#0c1828 70%);padding:30px;border-radius:8px;box-shadow:0 20px 60px #0003,inset 0 1px #80d6d519}.layer-head{display:flex;justify-content:space-between;color:var(--teal);font-size:10px;letter-spacing:.12em;margin-bottom:25px}.policy-layers>h3{font-size:25px;margin-bottom:28px}.layer{display:flex;gap:20px;border-top:1px solid #36515e;padding:22px 0 2px}.layer-number{font-size:10px;color:var(--teal);padding-top:2px}.layer h4{letter-spacing:-.015em;margin-bottom:8px;line-height:1.35}.layer p{font-size:13px;color:var(--muted);margin-bottom:18px}.diagram-note{font-size:11px;color:#91a5b8;border-top:1px solid #36515e;padding-top:18px;margin-bottom:0}.specialty{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:radial-gradient(ellipse at 90% 100%,#113039,#080f19 70%)}.specialty h2{font-size:clamp(54px,7vw,100px);line-height:1.05;margin-bottom:40px}.specialty h2 span{color:#a4c5d2}.specialty-bottom{display:flex;justify-content:space-between;align-items:end;gap:50px}.specialty-bottom p{max-width:630px;color:var(--muted);font-size:17px;margin:0}.specialty-bottom a{flex-shrink:0}.faq-section{display:grid;grid-template-columns:.9fr 1.3fr;gap:9%}.faq-section h2{font-size:clamp(34px,3.3vw,48px)}.faq-section>div>p:not(.eyebrow){color:var(--muted);font-size:14px}.faq-list details,details{border-top:1px solid var(--line);padding:23px 0}.faq-list details:last-of-type{border-bottom:1px solid var(--line)}summary{cursor:pointer;font-size:17px;line-height:1.5;font-weight:600;list-style:none;display:flex;justify-content:space-between;align-items:start;gap:20px}summary::-webkit-details-marker{display:none}summary>span{font-size:23px;font-weight:400;color:var(--teal);line-height:1.2}details[open] summary>span{transform:rotate(45deg)}details>p{color:var(--muted);font-size:15px;margin:20px 30px 0 0;line-height:1.8}.final-cta{border-top:1px solid var(--line);text-align:center;padding-top:90px;padding-bottom:90px}.final-cta h2{line-height:1.1}.final-cta h2 span{color:#a4c5d2}.final-cta .source-note{margin:24px auto 0}.site-footer{border-top:1px solid var(--line);max-width:var(--max);margin:auto;padding:64px 5%;display:grid;grid-template-columns:1fr 1.3fr;gap:12%;background:#080f19}.site-footer img{display:block;width:min(340px,100%);height:auto}.site-footer>div:first-child p{font-size:17px;color:#a4c5d2;margin-top:25px}.footer-detail>p{font-size:12px;color:var(--muted)}.footer-detail nav{display:flex;flex-wrap:wrap;gap:24px;font-size:12px;margin:25px 0}.footer-detail small{color:#91a5b8;font-size:11px}
/* Shared crawlable education pages remain dark and readable. */
.page-intro{padding-bottom:65px}.page-intro h1{max-width:1000px}.intro{max-width:900px;font-size:20px;color:var(--muted);line-height:1.75}.article-layout{display:grid;grid-template-columns:270px 1fr;gap:8%;max-width:var(--max);padding:0 5% 90px;margin:auto}.guide-index{align-self:start;position:sticky;top:145px;border-top:1px solid #48606c;padding-top:24px}.guide-index nav{display:flex;flex-direction:column;gap:15px}.guide-index nav a{display:flex;gap:14px;font-size:13px;text-decoration:none}.guide-index nav span,.article-number{font-size:10px;color:var(--teal)}.guide-index .note{font-size:12px;margin-top:28px;color:var(--muted)}.guide-body{min-width:0}.guide-body article{padding-bottom:30px;margin-bottom:35px;border-bottom:1px solid var(--line)}.article-number{display:block;margin-bottom:18px}.guide-body h2{font-size:30px;letter-spacing:-.03em}.guide-body p{font-size:17px;color:var(--muted)}.reading{max-width:1000px}.reading h2{font-size:30px}.reading p{color:var(--muted)}.note{font-size:13px;color:var(--muted);line-height:1.8}.split,.receipt-layout{display:grid;grid-template-columns:1fr 1fr;gap:9%}.soft{background:var(--surface)}.split>div>p{color:var(--muted)}.split .eyebrow{color:var(--teal)}.split h2{font-size:37px}.dependency-list{list-style:none;padding:0}.dependency-list li{padding:16px 0;border-bottom:1px solid var(--line);font-size:16px}.receipt-detail h2{font-size:32px}.receipt-detail p{color:var(--muted)}.receipt-detail .button{margin-top:14px}.receipt-detail .note{font-size:13px}.section>details p{max-width:900px}.reading>details{border-bottom:1px solid var(--line)}
.hero-art img{height:560px;width:108%;margin-left:-3%;object-fit:cover;object-position:center}
@media(min-width:1600px){.section{padding-left:70px;padding-right:70px}}
@media(max-width:1100px){.desktop-nav{gap:17px;font-size:12px}.brand img{width:300px}.site-header{min-height:105px}.hero{padding-top:55px}.hero h1{font-size:58px}.hero-actions{gap:14px}.hero-actions .text-link{font-size:12px}.industry-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}.industry{min-height:300px}.industry h3{max-width:300px}.industry-top{margin-bottom:25px}.trust-strip{flex-wrap:wrap}.response-rows article{grid-template-columns:25px 1fr 1.1fr;gap:22px}.response-rows .terms{grid-column:3}.response-rows article>p:not(.terms){margin-bottom:-15px}.limits-section{gap:6%}.article-layout{grid-template-columns:220px 1fr;gap:6%}}
@media(max-width:900px){html{scroll-padding-top:115px}.site-header{padding:10px 5%;gap:10px;min-height:100px}.brand img{width:310px}.desktop-nav{display:none}.mobile-menu{display:block;border:0;padding:0}.mobile-menu summary{min-width:70px;min-height:48px;align-items:center;font-size:13px;gap:12px;padding:8px}.mobile-menu nav{display:flex;flex-direction:column;position:absolute;top:100%;right:0;left:0;background:#0c1828;border-bottom:1px solid var(--line);box-shadow:0 15px 30px #0005;padding:24px 5%;gap:0}.mobile-menu nav a{padding:13px 0;text-decoration:none;font-size:15px}.mobile-menu .nav-cta{color:var(--teal)}.hero h1{font-size:clamp(42px,5.8vw,58px)}.hero{gap:0;grid-template-columns:1.1fr 1fr}.hero-pressure{font-size:18px}.hero-intro{font-size:14px}.hero-actions .button{font-size:12px;gap:18px}.hero-art img{width:125%;margin-left:-12%}.art-caption{font-size:10px}.trust-strip strong{width:100%}.trust-strip>span{padding-left:0;border-left:0}.section{padding-top:72px;padding-bottom:72px}.section-heading{gap:30px}.section-heading>p{font-size:14px}.evidence-grid{gap:35px}.response-rows article{grid-template-columns:25px 1fr 1.2fr}.response-rows h3{font-size:22px}.limits-section{grid-template-columns:1fr 1fr;gap:5%}.policy-layers{padding:22px}.policy-layers>h3{font-size:22px}.faq-section{grid-template-columns:1fr;gap:35px}.faq-section>div:first-child{max-width:650px}.site-footer{gap:8%}.article-layout{grid-template-columns:190px 1fr;gap:5%}.guide-index{top:125px}.split{gap:6%}}
@media(max-width:650px){body{font-size:16px}.site-header{min-height:94px;padding:12px 5%;gap:8px}.brand{min-width:0}.brand img{width:255px;max-width:100%}.mobile-menu summary{min-width:58px;font-size:12px;padding:6px;gap:6px}.section{padding:58px 6%}.hero{grid-template-columns:1fr;padding-top:42px;padding-bottom:35px;overflow:hidden}.hero .eyebrow{font-size:10px;margin-bottom:24px}.hero h1{font-size:clamp(40px,10.4vw,60px);line-height:1.08;letter-spacing:-.05em;margin-bottom:25px}.wide-only{display:none}.hero-pressure{font-size:19px;line-height:1.55;margin-bottom:18px}.hero-intro{font-size:15px;max-width:480px;margin-bottom:25px}.hero-actions{gap:17px;align-items:start}.hero-actions .button{font-size:13px;min-width:248px}.hero-actions .text-link{font-size:12px}.hero-agency{margin-top:22px;font-size:11px}.hero-art{margin:10px -3% 0}.hero-art img{width:100%;margin:0;aspect-ratio:1.14;object-fit:contain}.art-caption{margin:0 3%;font-size:10px;padding:12px 0}.trust-strip{padding:23px 6%;gap:13px 20px;font-size:11px}.trust-strip strong{font-size:18px}.section-heading{display:block;margin-bottom:33px}.section-heading h2{font-size:36px;line-height:1.14}.section-heading>p{margin-top:25px;font-size:14px}.section-heading>.text-link{margin-top:25px}.evidence-grid{grid-template-columns:1fr;gap:35px}.fact-number{font-size:62px}.fact h3{font-size:21px}.fact>p:not(.fact-number){font-size:15px}.fact>a{font-size:11px}.fact small{font-size:11px}.source-note{font-size:11px;line-height:1.8}.industry-grid{grid-template-columns:1fr;gap:16px}.industry{padding:25px;min-height:0}.industry-top{margin-bottom:22px}.industry h3{font-size:26px;max-width:300px}.industry .eyebrow{font-size:11px}.industry p:not(.eyebrow){font-size:15px}.industry-link{font-size:12px;padding-top:0}.response-rows article{grid-template-columns:25px 1fr;gap:16px 15px;padding:26px 0}.response-rows h3{font-size:24px;max-width:none}.response-rows article>p:not(.terms){grid-column:2;margin-bottom:0}.response-rows .terms{grid-column:2;font-size:12px}.limits-section{grid-template-columns:1fr;gap:35px}.limit-copy h2{font-size:37px}.limit-copy>p:not(.eyebrow){font-size:15px}.policy-layers{padding:26px 22px}.specialty h2{font-size:52px}.specialty-bottom{display:block}.specialty-bottom p{font-size:16px}.specialty-bottom a{margin-top:25px}.faq-section h2{font-size:36px}summary{font-size:16px}details>p{font-size:14px;margin-right:12px}.final-cta h2{font-size:37px}.site-footer{padding:45px 6%;grid-template-columns:1fr;gap:25px}.site-footer img{width:290px}.footer-detail>p{font-size:12px}.article-layout{display:block;padding:0 6% 58px}.guide-index{position:static;margin-bottom:38px}.guide-index nav{display:grid;grid-template-columns:1fr 1fr;gap:18px}.guide-body h2{font-size:27px}.guide-body p{font-size:16px}.page-intro h1{font-size:40px}.intro{font-size:18px}.split,.receipt-layout{grid-template-columns:1fr;gap:30px}.split h2{font-size:32px}.receipt-detail h2{font-size:28px}}
@media(max-width:360px){.brand img{width:230px}.site-header{gap:5px}.mobile-menu summary{min-width:54px}.hero h1{font-size:37px}.hero-actions .button{width:100%;min-width:0}.trust-strip>span{font-size:10px}.trust-strip{gap:12px 14px}.section-heading h2{font-size:32px}}
@media(max-width:650px){.hero-art img{height:auto;max-height:none}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}}

/* Keep supporting copy and controls legible on small screens. */
.eyebrow,.art-caption,.hero-agency,.trust-strip,.source-note,.fact>a,.fact small,.industry .eyebrow,.industry-link{font-size:12px}.hero-actions .text-link,.hero-actions .button{font-size:14px}

/* Approved removal of decorative section indexing. */
.response-rows article{grid-template-columns:1fr 1.2fr .9fr}.response-rows .terms{grid-column:auto}.layer{display:block}.guide-index nav a{display:block}
@media(max-width:1100px){.response-rows article{grid-template-columns:1fr 1.2fr}.response-rows .terms{grid-column:2}}
@media(max-width:650px){.response-rows article{display:block}.response-rows h3{margin-bottom:18px}.response-rows article>p:not(.terms){margin-bottom:18px}.response-rows .terms{margin-bottom:0}}