*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fafaf7;color:#152d3d;font-family:Arial,Helvetica,sans-serif;font-size:17px;line-height:1.7}a{color:inherit;text-underline-offset:4px}a:focus-visible,button:focus-visible{outline:3px solid #a97928;outline-offset:5px}.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:10px;background:white;z-index:10}.wrap{max-width:1220px;margin:auto;padding:0 40px}header{border-bottom:1px solid #d9dedc;background:#fff}.header{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:104px}.brand{text-decoration:none;display:flex;align-items:center;gap:13px;line-height:1.2}.brand strong{font-family:Georgia,serif;font-size:36px;font-weight:400;border-right:1px solid #adb9be;padding-right:14px}.brand span{font-size:14px;letter-spacing:2px;text-transform:uppercase}.brand small{display:block;font-size:12px;letter-spacing:1px;margin-top:6px;color:#5c6d76}nav{display:flex;align-items:center;gap:24px}nav a{text-decoration:none;font-size:14px;font-weight:600}nav a[aria-current]{border-bottom:2px solid #b19056}h1,h2,h3{font-family:Georgia,serif;font-weight:400;line-height:1.15}h1{font-size:clamp(46px,5.1vw,72px);letter-spacing:-2px;margin:20px 0 26px}h1 em{font-weight:400;color:#8c6c35}h2{font-size:clamp(29px,3vw,40px);margin:20px 0}h3{font-size:27px;margin:20px 0}p{margin:0 0 20px}.eyebrow,.number{font-size:12px;letter-spacing:2px;font-weight:700}.eyebrow{color:#7a6239}.lead{font-size:20px;color:#506370;max-width:650px;line-height:1.7}.hero{display:grid;grid-template-columns:1.3fr 1fr;gap:70px;padding:76px 0 60px;align-items:center}.actions{display:flex;gap:23px;align-items:center;flex-wrap:wrap;margin:30px 0 18px}.button{display:inline-flex;align-items:center;justify-content:space-between;gap:20px;background:#163547;color:white;text-decoration:none;padding:16px 23px;font-size:14px;font-weight:700;border:1px solid #163547}.button:hover{background:#284c61}.textlink{font-size:15px;font-weight:700}.fine{font-size:13px;color:#667781;line-height:1.6}.hero-panel{background:#193c4c;color:#fff;padding:36px 32px;border-top:5px solid #bda16d}.hero-panel .eyebrow{color:#d3bd90}.stage{display:flex;gap:22px;border-top:1px solid #496574;padding:22px 0}.stage>span{color:#d3bd90;font-size:14px;padding-top:6px}.stage h2{font-size:26px;margin:0 0 8px}.stage p{font-size:15px;color:#d5dfe3;line-height:1.5;margin:0}.panel-note{font-size:12px;color:#d5dfe3;margin:10px 0 0}.rulebar{border-top:1px solid #d4dcd9;border-bottom:1px solid #d4dcd9;padding:20px 0;display:flex;justify-content:space-around;color:#506370;font-size:14px}.section{padding:65px 0}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:32px}.cards>a,.cards>div{display:block;border:1px solid #d6ddda;background:#fff;padding:30px;text-decoration:none}.cards>a:hover{border-color:#9d8354}.cards p{font-size:16px;color:#506370}.cards.two{grid-template-columns:1fr 1fr}.number{color:#7a6239}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;border-top:1px solid #d6ddda}.cta{padding:44px;background:#e8edea;display:flex;align-items:center;justify-content:space-between;gap:30px;margin:35px 0 65px}.cta h2{font-size:34px;margin:0}.light{background:white;color:#163547}.light:hover{color:white}.article{max-width:940px;padding:65px 0 30px;margin:auto}.article>h2{margin-top:42px}.article .lead{max-width:850px}.steps{counter-reset:steps;list-style:none;padding:0}.steps li{border-top:1px solid #d6ddda;padding:20px 0 10px 60px;position:relative;counter-increment:steps}.steps li:before{content:'0' counter(steps);position:absolute;left:0;top:38px;color:#8c6c35}.steps h2{font-size:30px}.callout{border-left:3px solid #ab8b50;background:#eeeae0;padding:22px 28px}.callout h3{margin-top:0}.risk-list section{border-top:1px solid #d6ddda;padding-top:18px;margin-top:30px}.risk-list h2{font-size:30px}.sources{border-top:1px solid #d6ddda;margin-top:36px;padding-top:15px;font-size:14px}.sources h2{font-size:22px}footer{background:#142e3c;color:#d4dfe3;padding:45px 0}.footer-top{display:flex;justify-content:space-between;gap:25px;padding-bottom:28px}.footer-top a{margin-right:20px;font-size:14px}footer p{font-size:13px;max-width:1050px}footer .brand{color:white}.review{font-size:12px;letter-spacing:.5px;color:#6c7b82;margin-bottom:28px}@media(max-width:900px){.header{flex-direction:column;align-items:flex-start;padding:22px 0;gap:22px}nav{flex-wrap:wrap;gap:15px}.hero{grid-template-columns:1fr;gap:30px;padding-top:40px}.hero-panel{max-width:650px}.cards{grid-template-columns:1fr}.split{gap:30px}.cta{align-items:flex-start;flex-direction:column}}@media(max-width:600px){.wrap{padding:0 22px}h1{letter-spacing:-1px}.hero{padding-top:30px}.rulebar{flex-direction:column;gap:8px}.cards.two,.split{grid-template-columns:1fr}.section{padding:40px 0}.cta{padding:28px}.article{padding-top:35px}.footer-top{flex-direction:column}.brand strong{font-size:31px}nav a{font-size:13px}.cards>a,.cards>div{padding:23px}}