:root{--navy:#10263d;--ink:#142231;--gold:#9b7545;--muted:#64707c;--line:#dce2e7;--soft:#f6f8fa;--warm:#f4f0e9;--max:1160px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);line-height:1.65;background:#fff}a{color:inherit;text-decoration:none}.wrap{width:min(var(--max),calc(100% - 46px));margin:auto}.top{background:var(--navy);color:#d8e1ea;font-size:12px;letter-spacing:.05em}.top .wrap{display:flex;justify-content:space-between;padding:8px 0}.header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line)}nav{height:76px;display:flex;align-items:center;justify-content:space-between;gap:26px}.brand{display:flex;flex-direction:column;line-height:1.1}.brand b,h1,h2,h3{font-family:Georgia,"Times New Roman",serif}.brand b{font-size:22px}.brand span{margin-top:5px;font-size:10px;text-transform:uppercase;letter-spacing:.14em;color:var(--muted)}.links{display:flex;gap:23px;align-items:center;font-size:14px}.links a:hover{color:var(--gold)}.menu{display:none;border:1px solid var(--line);background:#fff;padding:8px 11px}.btn{display:inline-flex;padding:12px 18px;border:1px solid var(--navy);font-size:14px;font-weight:700}.btn.primary{background:var(--navy);color:#fff}.btn.primary:hover{background:#1c3b5c}.btn.light{background:#fff}.hero{border-bottom:1px solid var(--line);background:linear-gradient(90deg,#fff 0,#fff 57%,#f4f0e9 100%)}.hero .grid{min-height:650px;display:grid;grid-template-columns:1.17fr .83fr;gap:62px;align-items:center;padding:72px 0}.eyebrow{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);font-weight:800}h1,h2,h3{margin:0;font-weight:500;color:#102033}h1{font-size:62px;line-height:1.04;letter-spacing:-.025em;margin-top:17px}.lead{font-size:20px;color:#53606c;max-width:760px;margin:27px 0 28px}.ctas{display:flex;gap:12px;flex-wrap:wrap}.micro{margin-top:22px;font-size:13px;color:#6b7580}.cardbox{background:#fff;border:1px solid var(--line);padding:30px;box-shadow:0 18px 48px rgba(16,38,61,.08)}.cardbox h3{font-size:28px;line-height:1.18;margin:10px 0}.key{list-style:none;padding:0;margin:14px 0 0}.key li{display:flex;justify-content:space-between;gap:18px;padding:12px 0;border-top:1px solid var(--line);font-size:14px}.key span:last-child{color:var(--muted);text-align:right}section{padding:86px 0;border-bottom:1px solid var(--line)}.head{display:grid;grid-template-columns:.8fr 1.2fr;gap:45px;margin-bottom:42px}.head h2{font-size:44px;line-height:1.08}.head p{margin:0;color:var(--muted);font-size:18px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}.card{border:1px solid var(--line);padding:27px;min-height:255px;background:#fff}.card .n{font-size:11px;color:var(--gold);font-weight:800;letter-spacing:.14em}.card h3{font-size:26px;line-height:1.15;margin:26px 0 12px}.card p{color:var(--muted);font-size:15px;margin:0}.card .more{display:inline-block;margin-top:18px;color:var(--gold);font-weight:800;font-size:13px}.dark{background:var(--navy);color:#fff}.dark h2,.dark h3{color:#fff}.dark .head p,.dark .card p{color:#cad5df}.dark .card{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.14)}.steps{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--line)}.step{padding:26px;border-right:1px solid var(--line);min-height:200px}.step:last-child{border-right:0}.step b{display:block;color:var(--gold);font-size:11px;letter-spacing:.13em;margin-bottom:22px}.step h3{font-size:23px;margin-bottom:9px}.step p{margin:0;font-size:14px;color:var(--muted)}.pagehero{background:var(--soft);border-bottom:1px solid var(--line)}.pagehero .wrap{padding-top:74px;padding-bottom:68px}.pagehero h1{font-size:50px;max-width:850px}.pagehero p{max-width:770px;font-size:19px;color:var(--muted);margin:22px 0 0}.split{display:grid;grid-template-columns:1fr 1fr;gap:25px}.panel{border:1px solid var(--line);padding:31px}.panel h3{font-size:30px;line-height:1.16;margin:9px 0 12px}.panel p,.panel li{color:#4d5863}.panel li{margin:8px 0}.prose{max-width:850px}.prose h2{font-size:35px;margin:0 0 15px}.prose h2:not(:first-child){margin-top:38px}.prose h3{font-size:25px;margin:28px 0 8px}.prose p,.prose li{font-size:17px;color:#46525d}.prose li{margin:8px 0}.callout{border-left:3px solid var(--gold);background:var(--warm);padding:18px 22px;margin:24px 0}.profile{display:grid;grid-template-columns:.75fr 1.25fr;gap:42px}.profilebox{background:var(--navy);color:#fff;padding:32px}.profilebox h2{color:#fff;font-size:35px;margin:9px 0 4px}.profilebox a{color:#fff;text-decoration:underline}.contact{background:var(--warm)}.contactgrid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px}.contact h2{font-size:46px;line-height:1.08}.contact p{color:#596269}.contactbox{background:#fff;border:1px solid #ddd5cb;padding:28px}.row{padding:12px 0;border-top:1px solid var(--line)}.row:first-child{border-top:0}.label{font-size:11px;text-transform:uppercase;letter-spacing:.13em;color:var(--gold);font-weight:800}.value{margin-top:4px;word-break:break-word}.notice{font-size:12px!important;color:#717a83!important;margin-top:18px!important}footer{background:#091725;color:#aeb8c2;padding:34px 0;font-size:12px}footer .wrap{display:flex;justify-content:space-between;gap:22px;flex-wrap:wrap}@media(max-width:900px){.links{display:none;position:absolute;top:76px;left:22px;right:22px;background:#fff;border:1px solid var(--line);padding:17px}.links.open{display:flex;flex-direction:column;align-items:stretch}.menu{display:block}.hero .grid,.head,.split,.profile,.contactgrid{grid-template-columns:1fr}.hero .grid{min-height:auto;gap:30px;padding:54px 0}h1{font-size:46px}.head h2,.contact h2{font-size:37px}.cards{grid-template-columns:1fr}.steps{grid-template-columns:1fr}.step{border-right:0;border-bottom:1px solid var(--line)}.step:last-child{border-bottom:0}}@media(max-width:560px){.wrap{width:min(var(--max),calc(100% - 32px))}.top .wrap span:last-child{display:none}nav{height:68px}h1,.pagehero h1{font-size:39px}.lead{font-size:18px}section{padding:64px 0}}

/* Professional profile photography and credentials */
.profilehero{padding:0;overflow:hidden}.hero-portrait{width:100%;height:330px;object-fit:cover;object-position:center 47%;background:#75bce8}.profilemeta{padding:26px 30px 29px}.profilemeta h3{margin-top:8px}.cnname{font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;font-size:.58em;font-weight:500;color:var(--muted);white-space:nowrap}.roleline{color:#4e5b67;margin:8px 0 13px}.credential-line{padding-top:12px;border-top:1px solid var(--line);font-size:12px;color:var(--muted);letter-spacing:.015em}.profilelink{display:inline-block;margin-top:15px;color:var(--gold);font-size:13px;font-weight:800}.about-portrait{width:100%;height:360px;object-fit:cover;object-position:center 47%;margin:-32px -32px 27px;width:calc(100% + 64px);max-width:none;background:#75bce8}.profile-detail{border-top:1px solid rgba(255,255,255,.17);padding:15px 0 2px}.profile-detail span{display:block;color:#aebdca;text-transform:uppercase;letter-spacing:.1em;font-size:10px;margin-bottom:5px}.profile-detail strong{display:block;color:#fff;font-size:13px;line-height:1.55;font-weight:600}.profile-detail small{display:block;color:#bdc9d4;font-size:11px;line-height:1.55;margin-top:5px}.cnaddress{display:inline-block;color:#737d87;font-size:12px;line-height:1.55;margin-top:4px}@media(max-width:900px){.hero-portrait{height:420px;object-position:center 45%}.about-portrait{height:460px;object-position:center 45%}}@media(max-width:560px){.hero-portrait{height:360px}.about-portrait{height:390px}}


/* SEO article cluster */
.article-hero{background:linear-gradient(180deg,var(--soft),#fff);border-bottom:1px solid var(--line);padding:0}.article-head{padding:72px 0 58px}.article-hero h1{font-size:52px;line-height:1.07;max-width:930px;margin-top:15px}.article-deck{max-width:860px;font-size:20px;color:#586571;margin:22px 0 18px}.article-meta{display:flex;gap:18px;flex-wrap:wrap;font-size:12px;color:#727d87}.article-meta a{color:var(--gold);font-weight:700}.article-section{padding-top:64px}.article-layout{display:grid;grid-template-columns:230px minmax(0,820px);gap:55px;align-items:start}.article-toc{position:sticky;top:104px;border:1px solid var(--line);padding:20px;background:#fff}.article-toc .eyebrow{margin-bottom:9px}.article-toc a{display:block;padding:8px 0;border-top:1px solid var(--line);font-size:13px;color:#56626e}.article-toc a:hover{color:var(--gold)}.article-body{min-width:0}.article-body h2{font-size:34px;line-height:1.15;margin:42px 0 14px}.article-body h2:first-of-type{margin-top:30px}.article-body h3{font-size:24px;margin:28px 0 8px}.article-body p,.article-body li{font-size:17px;color:#3f4d59}.article-body p{margin:0 0 17px}.article-body ul{padding-left:23px}.article-body li{margin:8px 0}.quick-answer{background:var(--navy);color:#fff;padding:24px 27px;border-radius:2px}.quick-answer strong{display:block;color:#d7b98e;text-transform:uppercase;letter-spacing:.13em;font-size:11px;margin-bottom:8px}.quick-answer p{margin:0;color:#edf3f7;font-size:18px}.practice-note{border-left:3px solid var(--gold);background:var(--warm);padding:18px 21px;margin:24px 0;color:#45515d}.checklist{background:var(--soft);border:1px solid var(--line);padding:19px 22px 19px 43px!important}.seo-table{width:100%;border-collapse:collapse;margin:22px 0 28px;font-size:14px}.seo-table th,.seo-table td{border:1px solid var(--line);padding:13px;text-align:left;vertical-align:top}.seo-table th{background:var(--soft);font-weight:700}.faq-list details{border-top:1px solid var(--line);padding:16px 0}.faq-list details:last-child{border-bottom:1px solid var(--line)}.faq-list summary{cursor:pointer;font-weight:700;color:#203040}.faq-list p{font-size:15px;margin-top:10px}.source-list a{text-decoration:underline;text-underline-offset:3px}.authorbox{display:grid;grid-template-columns:110px 1fr;gap:22px;align-items:center;border:1px solid var(--line);padding:23px;margin-top:40px}.authorbox img{width:110px;height:135px;object-fit:cover;object-position:center 45%}.authorbox h3{margin:6px 0;font-size:24px}.authorbox p{font-size:14px;margin:0 0 8px}.authorbox a{color:var(--gold);font-weight:700;font-size:13px}.related{margin-top:44px}.related h2{font-size:30px}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.related-card{border:1px solid var(--line);padding:18px;display:flex;flex-direction:column;min-height:170px}.related-card span{color:var(--gold);font-size:10px;text-transform:uppercase;letter-spacing:.12em;font-weight:800}.related-card strong{font-family:Georgia,"Times New Roman",serif;font-size:18px;line-height:1.25;margin:12px 0;color:#193047;font-weight:500}.related-card em{font-style:normal;color:var(--gold);font-size:12px;font-weight:700;margin-top:auto}.article-cta{display:grid;grid-template-columns:1fr auto;gap:25px;align-items:center;background:var(--warm);padding:26px;margin-top:42px;border:1px solid #e5ddd0}.article-cta h2{font-size:28px;margin:5px 0 8px}.article-cta p{font-size:15px;margin:0}.legal-disclaimer{font-size:12px!important;color:#7a838b!important;margin-top:26px!important;border-top:1px solid var(--line);padding-top:16px}.insight-card{min-height:310px}.cluster-intro{display:grid;grid-template-columns:.8fr 1.2fr;gap:40px;margin-bottom:36px}.cluster-intro h2{font-size:36px;line-height:1.12;margin-top:8px}.cluster-intro p{color:var(--muted);margin:0;font-size:17px}.insight-links{background:var(--soft)}
@media(max-width:900px){.article-layout{grid-template-columns:1fr}.article-toc{position:static}.article-hero h1{font-size:43px}.related-grid{grid-template-columns:1fr}.article-cta{grid-template-columns:1fr}.cluster-intro{grid-template-columns:1fr}}
@media(max-width:560px){.article-head{padding:55px 0 45px}.article-hero h1{font-size:37px}.article-deck{font-size:18px}.article-body h2{font-size:29px}.authorbox{grid-template-columns:1fr}.authorbox img{width:100%;height:300px}.quick-answer{padding:21px}.seo-table{font-size:12px}}


/* SEO V2 additions */
.skip-link{position:absolute;left:-9999px;top:0;background:#fff;color:#10263d;padding:10px 14px;z-index:100}.skip-link:focus{left:12px;top:12px}.intent-section{background:#fbfcfd}.issue-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.issue-card{border:1px solid var(--line);padding:23px;background:#fff;min-height:200px}.issue-card span{display:block;color:var(--gold);font-size:10px;text-transform:uppercase;letter-spacing:.13em;font-weight:800}.issue-card strong{display:block;font-family:Georgia,"Times New Roman",serif;font-weight:500;font-size:22px;line-height:1.2;margin:12px 0 9px;color:#18314a}.issue-card p{margin:0;color:var(--muted);font-size:14px}.issue-card:hover{box-shadow:0 12px 34px rgba(16,38,61,.07);transform:translateY(-1px)}.service-layout{display:grid;grid-template-columns:230px minmax(0,860px);gap:55px;align-items:start}.service-toc{position:sticky;top:104px;border:1px solid var(--line);padding:20px;background:#fff}.service-toc .eyebrow{margin-bottom:9px}.service-toc a{display:block;padding:8px 0;border-top:1px solid var(--line);font-size:13px;color:#56626e}.service-toc a:hover{color:var(--gold)}.wide-prose{max-width:900px}.text-link{color:#7e5d33;text-decoration:underline;text-underline-offset:3px}.decision-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:23px 0}.decision-grid>div,.credential-grid>div{border:1px solid var(--line);background:var(--soft);padding:18px}.decision-grid strong,.credential-grid strong{display:block;color:#193047;margin-bottom:5px}.decision-grid span,.credential-grid span{display:block;color:var(--muted);font-size:14px;line-height:1.55}.credential-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:18px 0 28px}.dark .steps{border-color:rgba(255,255,255,.18)}.dark .step{border-color:rgba(255,255,255,.18)}.dark .step p{color:#cbd7e2}.dark .step h3{color:#fff}.dark .step b{color:#d2ae7e}.pagehero .wrap{max-width:1160px}.prose a.btn{text-decoration:none}.related-card:hover,.card:hover{box-shadow:0 12px 34px rgba(16,38,61,.06)}
@media(max-width:900px){.issue-grid{grid-template-columns:1fr}.service-layout{grid-template-columns:1fr}.service-toc{position:static}.decision-grid,.credential-grid{grid-template-columns:1fr}}

/* V3 focused-article enhancements */
.article-breadcrumb{display:flex;flex-wrap:wrap;gap:10px;height:auto!important;justify-content:flex-start!important;margin:0 0 24px;font-size:12px;color:#596775}
.article-breadcrumb a{text-decoration:underline;text-underline-offset:3px}
.article-body a:not(.btn):not(.related-card){text-decoration:underline;text-underline-offset:3px}
.article-body .legal-ref{font-size:11px;white-space:nowrap}.legal-ref a{color:#644a29}
.article-toc{max-height:calc(100vh - 132px);overflow-y:auto}
.article-body h2,.article-body h3,.article-sources li{scroll-margin-top:110px}
.article-sources{padding:0!important;border-bottom:0!important;margin:38px 0 20px}
.article-sources p,.article-sources li{font-size:14px;overflow-wrap:anywhere}
.table-scroll{overflow-x:auto;max-width:100%;margin:22px 0}.table-scroll table{min-width:480px;margin:0}
.table-scroll:focus-visible,:focus-visible{outline:3px solid #9b7748;outline-offset:4px}
.v3-follow-on p{margin:10px 0 0}.new-insights .cards{grid-template-columns:repeat(2,minmax(0,1fr))}.new-insights .insight-card{min-height:260px}
@media(max-width:900px){.article-toc{max-height:none}.article-breadcrumb{gap:8px}.new-insights .cards{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important}}
@media print{.header,.top,.article-toc,.article-cta,footer,.menu{display:none!important}.article-layout{display:block}.article-body{max-width:none}.article-head{padding:20px 0}.article-section{padding:20px 0}.quick-answer{background:#fff;color:#111;border:1px solid #999}.quick-answer p{color:#111}.related{display:none}}

.mobile-toc>summary{cursor:pointer;font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:#7d5b32;padding:0 0 9px}.mobile-toc:not([open])>summary{padding-bottom:0}@media(max-width:900px){.article-layout{gap:28px}.article-section{padding-top:28px}}