@charset "UTF-8";
:root{--ink:#082e35;--muted:#4f6768;--paper:#f7f7f0;--white:#fff;--teal:#087b7b;--lime:#d7f76b;--line:#d8dfd9;--dark:#092f34;--max:1264px;--serif:Georgia,'Times New Roman',serif}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:120px}body{margin:0;color:var(--ink);background:var(--paper);font-family:Arial,Helvetica,sans-serif;-webkit-font-smoothing:antialiased;line-height:1.65}a{color:inherit;text-underline-offset:5px}a:hover{text-decoration-thickness:2px}button,input{font:inherit}button,a,summary,input{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible{outline:3px solid #c24c1a;outline-offset:5px}img{display:block;max-width:100%;height:auto}h1,h2,h3,p{margin:0}h1,h2,h3{line-height:1.08;font-weight:500;letter-spacing:-.045em}h1{font-size:clamp(3rem,5.7vw,5.55rem)}h2{font-size:clamp(2.2rem,4.3vw,3.8rem)}h3{font-size:1.6rem;letter-spacing:-.025em}p+p{margin-top:1.1em}.wrap{width:min(var(--max),calc(100% - 88px));margin-inline:auto}.skip{position:absolute;z-index:100;left:12px;top:-100px;background:white;padding:12px}.skip:focus{top:10px}.review-bar{background:var(--ink);color:#fff;font-size:11px;letter-spacing:.08em;text-align:center;padding:6px 16px}.review-bar span{opacity:.7;margin-left:12px}.site-header{position:relative;background:var(--paper);border-bottom:1px solid var(--line)}.header-inner{display:flex;align-items:center;gap:32px;min-height:104px}.brand{display:block;flex:none}.brand img{width:112px;height:85px;object-fit:contain;mix-blend-mode:multiply}.desktop-nav{display:flex;gap:28px;margin-left:auto;align-items:center;font-size:13px;font-weight:600}.desktop-nav a{text-decoration:none;padding-block:10px}.desktop-nav a[aria-current]{text-decoration:underline;color:var(--teal)}.button{display:inline-flex;justify-content:center;align-items:center;gap:26px;background:var(--ink);color:white;border:1px solid var(--ink);padding:15px 21px;text-decoration:none;font-size:13px;font-weight:600;line-height:1.4;min-height:48px;transition:background .2s,transform .2s}.button:hover{background:var(--teal);border-color:var(--teal);transform:translateY(-2px)}.button.light{background:var(--lime);border-color:var(--lime);color:var(--ink)}.button.outline{background:transparent;color:var(--ink);border-color:var(--line)}.button.outline:hover{border-color:var(--ink)}.arrow{font-size:20px;line-height:1}.mobile-nav{display:none;margin-left:auto}.mobile-nav summary{cursor:pointer;padding:14px;border:1px solid var(--line);list-style:none;font-size:13px}.mobile-nav nav{position:absolute;top:100%;left:0;right:0;z-index:20;background:var(--paper);box-shadow:0 12px 15px #082e3512;padding:18px 24px;display:grid}.mobile-nav nav a{padding:12px;border-bottom:1px solid var(--line);text-decoration:none}.eyebrow{display:flex;align-items:center;gap:12px;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.16em;margin-bottom:26px}.eyebrow:before{content:'';display:block;width:7px;height:7px;background:var(--teal);border-radius:50%}.hero{display:grid;grid-template-columns:1.13fr 1fr;gap:55px;align-items:center;padding-block:65px 72px}.hero h1{max-width:700px}.hero h1 em{font-family:var(--serif);font-weight:400;color:var(--teal);letter-spacing:-.055em}.hero .intro{font-size:16px;max-width:510px;margin-top:27px;color:var(--muted);line-height:1.75}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.small-note{font-size:11px;color:var(--muted);margin-top:20px;max-width:440px}.hero-art{position:relative;margin:0;align-self:stretch;min-height:520px;padding-top:20px}.hero-art>img{width:100%;height:100%;max-height:620px;object-fit:cover;object-position:54% center;border-radius:160px 3px 3px 3px}.photo-label{position:absolute;bottom:16px;right:16px;background:#fffdf2e8;padding:7px 10px;font-size:10px;color:var(--ink)}.art-caption{position:absolute;left:-24px;bottom:56px;background:var(--lime);padding:22px 25px;max-width:230px;line-height:1.3;font-size:20px;box-shadow:0 8px 25px #002c3020}.art-caption small{font-size:9px;text-transform:uppercase;letter-spacing:.16em;display:block;margin-bottom:15px}.ticker{border-block:1px solid var(--line)}.ticker .wrap{display:flex;justify-content:space-between;gap:16px;padding-block:20px;flex-wrap:wrap;font-size:11px;letter-spacing:.11em;text-transform:uppercase}.ticker span{display:flex;align-items:center;gap:14px}.ticker span:before{content:'↗';font-size:17px;color:var(--teal)}.section{padding-block:90px}.section-head{display:grid;grid-template-columns:1.1fr 1fr;gap:80px;align-items:end;margin-bottom:48px}.section-head p{max-width:500px;color:var(--muted);font-size:16px}.section-head h2{max-width:660px}.service-list{border-top:1px solid var(--line)}.service-row{display:grid;grid-template-columns:58px 1.04fr 1fr 38px;gap:26px;align-items:start;padding:26px 0;border-bottom:1px solid var(--line);text-decoration:none;transition:padding .2s,background .2s}.service-row:hover{background:#eaf1e7;padding-inline:14px}.num{font-size:11px;color:var(--teal);padding-top:6px;font-variant-numeric:tabular-nums}.service-row h3{font-size:25px}.service-row p{font-size:14px;color:var(--muted);line-height:1.7}.round-arrow{border:1px solid var(--line);width:38px;height:38px;border-radius:50%;display:grid;place-items:center}.dark{background:var(--dark);color:var(--paper)}.dark .eyebrow:before{background:var(--lime)}.dark .eyebrow{color:#cce0d6}.dark p{color:#bed0cc}.split{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:center}.split figure{margin:0;position:relative}.split img{width:100%;aspect-ratio:1.15;object-fit:cover;border-radius:3px 90px 3px 3px}.split h2{margin-bottom:26px}.text-link{display:inline-flex;gap:24px;align-items:center;text-decoration:none;border-bottom:1px solid;padding-bottom:7px;margin-top:24px;font-size:13px;font-weight:600}.principles{display:grid;grid-template-columns:repeat(3,1fr);gap:46px;margin-top:55px}.principles>div{border-top:1px solid #496365;padding-top:22px}.principles h3{font-size:22px;margin:15px 0}.principles p{font-size:14px}.process-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:38px}.step{border-top:1px solid var(--line);padding-top:24px}.step .num{display:block;margin-bottom:32px}.step h3{margin-bottom:18px}.step p{font-size:14px;color:var(--muted)}.resources-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.resource{display:flex;flex-direction:column;text-decoration:none;border-top:1px solid var(--ink);padding:24px 0 14px}.resource .tag{font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:32px}.resource h3{font-size:26px;line-height:1.15;max-width:300px}.resource p{font-size:14px;color:var(--muted);margin:17px 0 26px}.resource .read{display:flex;justify-content:space-between;margin-top:auto;font-size:12px;font-weight:600}.resource:hover h3{color:var(--teal)}.faq-layout{display:grid;grid-template-columns:1fr 1.2fr;gap:80px}.faq-list{border-top:1px solid var(--line)}.faq-list details{border-bottom:1px solid var(--line);padding:20px 0}.faq-list summary{cursor:pointer;display:flex;justify-content:space-between;gap:25px;font-size:16px;font-weight:600;list-style:none}.faq-list summary::-webkit-details-marker,.mobile-nav summary::-webkit-details-marker{display:none}.faq-list summary:after{content:'+';font-size:22px;font-weight:400;line-height:1}.faq-list details[open] summary:after{content:'−'}.faq-list details p{font-size:14px;color:var(--muted);padding-top:18px;max-width:630px}.cta-band{padding:57px 0;background:var(--lime)}.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:45px}.cta-inner h2{font-size:clamp(2rem,3.5vw,3.1rem);max-width:700px}.cta-inner p{font-size:14px;margin-top:14px;max-width:650px}.site-footer{padding-top:55px;background:#ecf0e7}.footer-main{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:46px;padding-bottom:44px}.footer-main img{width:128px;mix-blend-mode:multiply}.footer-main p{font-size:12px;color:var(--muted);max-width:220px;margin-top:20px}.footer-main h2{font-size:11px;letter-spacing:.13em;text-transform:uppercase;font-weight:700;margin:10px 0 18px}.footer-main ul{list-style:none;margin:0;padding:0;display:grid;gap:9px}.footer-main li a{font-size:14px;text-decoration:none}.footer-bottom{border-top:1px solid #cad6cb;padding-block:20px;display:flex;justify-content:space-between;gap:20px;font-size:10px;color:var(--muted);flex-wrap:wrap}.breadcrumb{font-size:13px;color:var(--muted);display:flex;gap:10px;margin-bottom:35px;flex-wrap:wrap}.breadcrumb a{text-decoration:none}.page-top{padding-block:40px 65px;border-bottom:1px solid var(--line)}.page-top h1{max-width:940px;font-size:clamp(2.8rem,5.5vw,5rem)}.page-top .intro{max-width:740px;font-size:18px;color:var(--muted);margin-top:25px;line-height:1.7}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 270px;gap:90px}.article{max-width:780px}.article section+section{margin-top:48px}.article h2{font-size:33px;margin-bottom:22px;letter-spacing:-.035em}.article h3{font-size:22px;margin:28px 0 12px}.article p,.article li{font-size:16px;color:var(--muted)}.article ul,.article ol{padding-left:23px}.article li+li{margin-top:12px}.article .callout{margin:30px 0;padding:24px;background:#e9f0e5;border-left:3px solid var(--teal)}.article .callout p{font-size:14px}.aside{align-self:start;border-top:1px solid var(--ink);padding-top:24px}.aside h2{font-size:18px;margin-bottom:19px;letter-spacing:-.02em}.aside nav{display:grid;gap:15px}.aside a{font-size:14px;text-decoration:none}.aside .aside-note{font-size:11px;color:var(--muted);border-top:1px solid var(--line);padding-top:20px;margin-top:25px}.contact-layout{display:grid;grid-template-columns:1fr 1fr;gap:90px}.contact-card{background:#eaf0e5;padding:40px;border:1px solid var(--line)}.contact-card .status{display:inline-flex;align-items:center;gap:9px;font-size:10px;letter-spacing:.1em;text-transform:uppercase;margin-bottom:30px}.contact-card .status:before{content:'';width:7px;height:7px;border-radius:50%;background:#9c6400}.contact-card h2{font-size:34px;margin-bottom:22px}.contact-card p{font-size:14px;color:var(--muted)}.contact-list{margin:28px 0 0;display:grid;gap:18px}.contact-list div{border-top:1px solid #ccd7cd;padding-top:16px}.contact-list dt{font-size:10px;text-transform:uppercase;letter-spacing:.1em;color:var(--muted)}.contact-list dd{margin:5px 0 0;font-size:17px}.checklist{list-style:none;padding:0!important}.checklist li{display:flex;gap:18px;padding:18px 0;border-bottom:1px solid var(--line)}.checklist li:before{content:'↗';color:var(--teal)}.calc-layout{display:grid;grid-template-columns:1fr 1fr;gap:40px}.calc-fields{display:grid;gap:20px}.calc-fields label{font-size:13px;font-weight:600;display:grid;gap:7px}.calc-fields input{padding:13px;border:1px solid #b6c7be;background:white;color:var(--ink);width:100%;border-radius:0}.calc-fields small{font-size:11px;color:var(--muted);font-weight:400}.calc-results{background:var(--dark);color:white;padding:36px;align-self:start}.calc-results h2{font-size:27px;margin-bottom:25px}.calc-results dl{margin:0}.calc-results dl div{border-top:1px solid #476263;padding:18px 0}.calc-results dt{font-size:11px;color:#bfd3cb}.calc-results dd{margin:4px 0 0;font-size:31px;letter-spacing:-.03em}.calc-results p{font-size:11px;color:#bfd3cb}.calc-error{color:#a32d13;font-size:13px;min-height:24px;margin-top:20px}.source-links{font-size:12px!important}.source-links a{display:inline-block;margin:0 20px 10px 0}.legal-note{font-size:12px!important;max-width:750px}.site-map{columns:2;list-style:none;padding:0}.site-map li{break-inside:avoid;padding:10px 0}.spacer{height:35px}::selection{background:var(--lime);color:var(--ink)}@media(min-width:1500px){.hero{padding-block:85px}}@media(max-width:1050px){.wrap{width:calc(100% - 56px)}.desktop-nav{gap:18px}.header-inner{gap:20px}.hero{gap:32px}.hero-art{min-height:470px}.hero h1{font-size:64px}.section-head{gap:40px}.split{gap:45px}.article-layout{gap:40px}.contact-layout{gap:45px}.art-caption{left:-12px;padding:20px}.footer-main{gap:25px}}@media(max-width:760px){.wrap{width:calc(100% - 40px)}.review-bar{font-size:9px;letter-spacing:.035em}.review-bar span{display:none}.header-inner{min-height:88px}.brand img{width:90px;height:69px}.desktop-nav,.header-inner>.button{display:none}.mobile-nav{display:block}.mobile-nav nav{top:100%}.hero{grid-template-columns:1fr;padding-block:38px 42px;gap:36px}.hero h1{font-size:53px;letter-spacing:-.055em}.hero .intro{font-size:15px}.eyebrow{font-size:10px;margin-bottom:22px}.actions{gap:10px}.actions .button{font-size:12px;padding-inline:16px;gap:18px}.hero-art{min-height:0;height:360px;padding:0;margin-left:18px}.hero-art>img{border-top-left-radius:100px;object-position:50% 45%}.art-caption{bottom:35px;font-size:18px;max-width:205px}.photo-label{font-size:8px;bottom:8px;right:8px}.ticker .wrap{gap:18px;padding-block:20px;font-size:9px}.ticker span{flex-basis:43%;gap:8px}.section{padding-block:55px}.section-head{grid-template-columns:1fr;gap:24px;margin-bottom:34px}.section-head p{font-size:15px}.service-row{grid-template-columns:25px 1fr 32px;gap:13px;padding:23px 0}.service-row h3{font-size:24px}.service-row p{grid-column:2;grid-row:2;font-size:13px}.service-row .round-arrow{grid-column:3;grid-row:1;width:32px;height:32px}.service-row:hover{padding-inline:5px}.split{grid-template-columns:1fr;gap:35px}.split img{aspect-ratio:1.25}.principles{grid-template-columns:1fr;gap:27px;margin-top:38px}.principles>div{display:grid;grid-template-columns:28px 1fr;column-gap:16px}.principles h3{margin:0 0 12px}.principles p{grid-column:2}.process-grid{grid-template-columns:1fr;gap:28px}.step .num{margin-bottom:15px}.step h3{font-size:25px}.resources-grid{grid-template-columns:1fr}.resource .tag{margin-bottom:20px}.resource h3{max-width:none}.faq-layout{grid-template-columns:1fr;gap:30px}.faq-list summary{font-size:15px}.cta-inner{display:block}.cta-inner .button{margin-top:28px}.footer-main{grid-template-columns:1fr 1fr;gap:32px}.footer-main>div:first-child{grid-column:1/-1;display:flex;align-items:center;gap:30px}.footer-main>div:first-child p{margin:0}.footer-main>div:last-child{grid-column:1/-1}.page-top{padding-block:25px 45px}.page-top h1{font-size:44px}.page-top .intro{font-size:16px}.breadcrumb{margin-bottom:30px}.article-layout{grid-template-columns:1fr;gap:40px}.article h2{font-size:29px}.article p,.article li{font-size:15px}.aside nav{grid-template-columns:1fr 1fr}.contact-layout{grid-template-columns:1fr;gap:40px}.contact-card{padding:28px}.contact-card h2{font-size:30px}.calc-layout{grid-template-columns:1fr}.calc-results{padding:28px}.site-map{columns:1}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* Long-form library: restrained cards, readable definitions, grouped navigation. */
.directory-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.directory-card{display:block;position:relative;border:1px solid var(--line);border-radius:12px;padding:28px 28px 48px;color:var(--ink);text-decoration:none;background:var(--white,#fff);transition:transform .15s,border-color .15s}.directory-card:hover{border-color:var(--teal);transform:translateY(-2px)}.directory-card h3{font-size:1.28rem;line-height:1.3;margin:0 0 12px;letter-spacing:-.02em}.directory-card p{margin:0;font-size:.96rem;line-height:1.65}.directory-card>span{position:absolute;bottom:18px;right:24px;color:var(--teal);font-size:1.4rem}.glossary{display:grid;grid-template-columns:1fr 1fr;gap:0 40px;margin:0}.glossary>div{padding:24px 0;border-bottom:1px solid var(--line);break-inside:avoid}.glossary dt{font-weight:700;font-size:1.2rem;margin-bottom:10px}.glossary dd{margin:0;line-height:1.7;max-width:60ch}.map-group+ .map-group{margin-top:52px}.map-group h2{font-size:1.8rem;margin-bottom:24px}.site-map{column-gap:40px}.site-map li{break-inside:avoid;margin-bottom:12px}.directory-card,.glossary dd,.site-map a{overflow-wrap:anywhere}
@media(max-width:1050px){.directory-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:760px){.directory-grid,.glossary{grid-template-columns:1fr}.directory-card{padding:24px 24px 48px}.map-group h2{font-size:1.5rem}}
@media(prefers-reduced-motion:reduce){.directory-card{transition:none}.directory-card:hover{transform:none}}

/* Customer navigation: static topic jumps, clear sections, no added JavaScript. */
.directory-intro{padding-top:32px}.topic-nav{display:flex;flex-wrap:wrap;gap:10px}.topic-nav a{display:inline-flex;align-items:center;min-height:44px;border:1px solid #b9c9bf;border-radius:24px;padding:9px 17px;font-size:14px;text-decoration:none;background:#fff}.topic-nav a:hover{background:#eaf0e5;border-color:var(--teal)}.directory-section{padding-block:52px 12px;scroll-margin-top:24px}.directory-section:last-child{padding-bottom:80px}.directory-heading{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:end;margin-bottom:25px}.directory-heading h2{font-size:clamp(1.9rem,3vw,2.65rem)}.directory-heading p{color:var(--muted);max-width:580px;font-size:15px}.directory-card p{color:var(--muted)}.directory-source{margin-top:32px;max-width:900px;color:var(--muted)}.next-step-panel{display:flex;align-items:center;justify-content:space-between;gap:40px;padding:38px;background:#eaf0e5}.next-step-panel h2{font-size:30px;margin-bottom:18px}.next-step-panel p{max-width:650px;color:var(--muted)}.next-step-panel .button{flex-shrink:0}.mobile-nav summary span{display:none}.mobile-nav summary:after{content:' +';margin-left:6px}.mobile-nav[open] summary:after{content:' −'}.contact-card{align-self:start}.contact-list dd{overflow-wrap:anywhere}
@media(max-width:760px){.directory-heading{grid-template-columns:1fr;gap:18px}.directory-section{padding-top:38px}.topic-nav{gap:8px}.topic-nav a{font-size:13px;padding:8px 13px}.next-step-panel{display:block;padding:26px}.next-step-panel .button{margin-top:25px}.footer-main>div:first-child{align-items:flex-start}.aside nav{gap:18px}.hero .small-note{font-size:12px;line-height:1.6}}
/* Tablet navigation and hero need room before the narrow-phone breakpoint. */
@media(max-width:960px){.desktop-nav,.header-inner>.button{display:none}.mobile-nav{display:block}.footer-main{grid-template-columns:1fr 1fr}.footer-main>div:first-child{grid-column:1/-1;display:flex;align-items:center;gap:30px}.footer-main>div:first-child p{margin:0}}
@media(min-width:761px) and (max-width:900px){.hero{grid-template-columns:1fr;gap:38px;padding-block:45px}.hero h1{font-size:60px;max-width:720px}.hero .intro{max-width:650px}.hero-art{height:430px;min-height:0;padding-top:0;margin-left:18px}.hero-art>img{object-position:50% 42%;border-top-left-radius:100px}.art-caption{left:-18px}.contact-layout{grid-template-columns:1fr;gap:38px}}