@font-face{font-family:"Source Serif 4";src:url(/fonts/source-serif-600.woff2) format("woff2");font-weight:600;font-style:normal;font-display:swap}@font-face{font-family:Inter;src:url(/fonts/inter-400.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}@font-face{font-family:Inter;src:url(/fonts/inter-500.woff2) format("woff2");font-weight:500;font-style:normal;font-display:swap}@font-face{font-family:Inter;src:url(/fonts/inter-600.woff2) format("woff2");font-weight:600;font-style:normal;font-display:swap}:root{--navy: #0F2742;--navy-deep: #0A1C31;--navy-card: #1B3A5C;--slate: #2F4A68;--charcoal: #2B2B2B;--off-white: #F7F8FA;--white: #FFFFFF;--steel: #8A96A3;--quiet: #5F6E7E;--muted-on-navy: #C9D3DE;--accent: #0055AA;--accent-hover: #004489;--accent-on-navy: #7FA8E0;--hairline: #E3E7EC;--hairline-navy: #24405F;--serif: "Source Serif 4", Georgia, "Times New Roman", serif;--sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;--max: 1160px;--radius: 4px;--ease: cubic-bezier(.22, 1, .36, 1);--section: clamp(4.5rem, 9vw, 7.5rem);color-scheme:light}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}body{font-family:var(--sans);font-size:1.0625rem;line-height:1.68;color:var(--charcoal);background:var(--off-white);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}::selection{background:#0f2742;color:#f7f8fa}[id]{scroll-margin-top:100px}.skip-link{position:absolute;left:1rem;top:-3.5rem;z-index:100;background:var(--navy);color:var(--white);padding:.6rem 1rem;border-radius:var(--radius);text-decoration:none;transition:top .2s}.skip-link:focus{top:1rem;color:var(--white)}h1,h2{font-family:var(--serif);font-weight:600;color:var(--navy);letter-spacing:-.016em;text-wrap:balance}h1{font-size:clamp(2.6rem,6vw,4.25rem);line-height:1.06}h2{font-size:clamp(1.9rem,4vw,2.6rem);line-height:1.14}h3{font-size:1.2rem;line-height:1.35;font-family:var(--sans);font-weight:600;color:var(--navy)}p{max-width:66ch;text-wrap:pretty}a{color:var(--accent);text-decoration-thickness:1px;text-underline-offset:3px;transition:color .18s var(--ease)}a:hover{color:var(--accent-hover)}:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:2px}.container{max-width:var(--max);margin:0 auto;padding:0 clamp(1.25rem,4vw,2rem)}.rule{display:block;width:76px;height:12px;margin-bottom:1.2rem}.rule path{stroke:var(--steel);stroke-width:2;fill:none}.eyebrow{font-size:.72rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--quiet);margin-bottom:1rem}.on-navy .eyebrow{color:var(--steel)}.section{padding:var(--section) 0}.section.tight{padding:calc(var(--section) * .65) 0}.on-navy{background:var(--navy);color:var(--muted-on-navy)}.on-navy h1,.on-navy h2,.on-navy h3{color:var(--off-white)}.on-navy p{color:var(--muted-on-navy)}.on-navy a{color:var(--accent-on-navy)}.on-navy a:hover{color:var(--off-white)}.on-white{background:var(--white)}.editorial{display:grid;gap:2rem}@media(min-width:900px){.editorial{grid-template-columns:minmax(0,4fr) minmax(0,7fr);gap:clamp(2.5rem,5vw,5rem);align-items:start}.editorial>.ed-label{position:sticky;top:110px}}.ed-label h2{margin-bottom:0}.site-header{background:#f7f8faeb;backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);border-bottom:1px solid var(--hairline);position:sticky;top:0;z-index:50;transition:box-shadow .25s var(--ease)}.site-header.scrolled{box-shadow:0 2px 18px #0f274212}.site-header .bar{display:flex;align-items:center;justify-content:space-between;height:76px}.site-header .brand 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.card-light{text-decoration:none;color:inherit}.insight-list h3{color:var(--navy);font-size:1.28rem}.insight-list .blurb{font-size:.97rem;color:var(--quiet)}.insight-list .read{display:inline-block;margin-top:.85rem;color:var(--accent);font-weight:500;font-size:.94rem}.endnote{margin-top:3.2rem;padding-top:1.7rem;border-top:1px solid var(--hairline)}.endnote p{font-size:.97rem;color:var(--quiet)}.distilled{border-left:3px solid var(--accent);padding:.5rem 0 .5rem 1.8rem;margin:2.6rem 0}.distilled p{font-family:var(--serif);font-size:clamp(1.25rem,2.2vw,1.45rem);line-height:1.5;color:var(--navy)}.distilled cite{display:block;margin-top:1rem;font-style:normal;font-size:.88rem;color:var(--quiet)}.form-grid{display:grid;gap:1.25rem;max-width:40rem}label{display:block;font-weight:500;font-size:.94rem;margin-bottom:.45rem;color:var(--navy)}input,textarea{width:100%;font:inherit;padding:.8rem .95rem;border:1px solid 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path{stroke:var(--hairline-navy);stroke-width:1.5;fill:none}.site-footer{background:var(--navy-deep);color:var(--muted-on-navy);padding:4rem 0 2.6rem}.site-footer img{height:34px;width:auto;margin-bottom:1.6rem}.site-footer .cols{display:grid;gap:2.2rem}@media(min-width:720px){.site-footer .cols{grid-template-columns:2.2fr 1fr 1.3fr;gap:3rem}}.site-footer h4{font-size:.75rem;letter-spacing:.16em;text-transform:uppercase;color:var(--steel);margin-bottom:.9rem;font-weight:600}.site-footer a{color:var(--muted-on-navy);text-decoration:none;font-size:.94rem}.site-footer a:hover{color:var(--off-white);text-decoration:underline}.site-footer ul{list-style:none}.site-footer li{margin-bottom:.55rem}.site-footer .legal{margin-top:3rem;padding-top:1.5rem;border-top:1px solid var(--hairline-navy);font-size:.84rem;color:var(--steel);display:flex;flex-wrap:wrap;gap:.4rem 1.5rem;justify-content:space-between}html.js .reveal{opacity:0;transform:translateY(18px);transition:opacity .7s var(--ease),transform .7s var(--ease)}html.js .reveal.in{opacity:1;transform:none}@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}.card:hover,.card-light:hover,.btn:hover,.nav .cta:hover{transform:none}}.nextstep{background:var(--off-white);border-top:1px solid var(--hairline);padding:clamp(3rem,6vw,4.5rem) 0}.on-white+.nextstep{background:var(--off-white)}.nextstep-inner{display:grid;gap:2rem;align-items:end}@media(min-width:860px){.nextstep-inner{grid-template-columns:minmax(0,7fr) minmax(0,4fr);gap:3.5rem}}.nextstep h2{font-size:clamp(1.6rem,3vw,2.1rem);margin-top:.2rem}.nextstep .ns-blurb{color:var(--quiet);margin-top:.9rem;font-size:1.02rem}.ns-actions{display:flex;flex-direction:column;align-items:flex-start;gap:1rem}@media(min-width:860px){.ns-actions{align-items:flex-end}}.ns-alt{font-size:.95rem;color:var(--quiet);text-decoration:none}.ns-alt:hover{color:var(--accent)}.journey{border-top:1px solid var(--hairline);background:var(--white)}.journey ol{list-style:none;display:flex;flex-wrap:wrap;gap:.4rem 1.9rem;padding:1.1rem 0;margin:0;font-size:.86rem}.journey a{color:var(--quiet);text-decoration:none;display:inline-flex;align-items:baseline;gap:.5rem}.journey a:hover{color:var(--accent)}.journey .jn{font-family:var(--serif);font-weight:600;color:var(--steel);font-size:.9rem}.journey li[aria-current=step] a{color:var(--navy);font-weight:600}.journey li[aria-current=step] .jn{color:var(--accent)}.article-nav{display:grid;gap:1rem;margin-top:2.4rem}@media(min-width:720px){.article-nav{grid-template-columns:1fr 1fr}}.article-nav a{display:block;padding:1.3rem 1.5rem;border:1px solid var(--hairline);border-radius:6px;background:var(--white);text-decoration:none;transition:border-color .2s var(--ease),transform .2s var(--ease)}.article-nav a:hover{border-color:var(--accent);transform:translateY(-2px)}.article-nav .dir{font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--quiet);font-weight:600}.article-nav .t{display:block;margin-top:.45rem;color:var(--navy);font-weight:600;font-size:1rem;line-height:1.35}