:root{--navy:#13243a;--ink:#17202b;--muted:#5b6674;--line:#dbe1e7;--paper:#f4f6f7;
--white:#fff;--green:#1f7565;--green-soft:#e4f1ed;--blue:#dfeaf2;--radius:3px;
--font:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);
font:16px/1.68 var(--font);-webkit-font-smoothing:antialiased}a{color:#155c70;text-underline-offset:3px}
a:hover{color:var(--green)}h1,h2,h3{color:var(--navy);line-height:1.15;letter-spacing:-.025em}
h1{font-size:clamp(2.2rem,5.5vw,4.3rem);margin:.2rem 0 1.2rem;max-width:14ch}
h2{font-size:clamp(1.45rem,3vw,2rem);margin:3.3rem 0 1rem}h3{font-size:1.12rem;margin:1.8rem 0 .5rem}
p,ul,ol{margin:0 0 1rem}.wrap{width:min(1160px,calc(100% - 2rem));margin:auto}.narrow{max-width:820px}
.site-head{background:var(--navy);color:#fff;border-bottom:4px solid var(--green)}
.head-row{min-height:70px;display:flex;align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap}
.brand{display:flex;gap:.7rem;align-items:center;color:#fff;text-decoration:none;font-weight:800;letter-spacing:.01em}
.brand-mark{width:30px;height:30px;border:1px solid #91b7ae;display:grid;place-items:center;color:#a4d5c9}
.nav{display:flex;flex-wrap:wrap;gap:.15rem}.nav a{color:#dce5ec;text-decoration:none;padding:.35rem .55rem;font-size:.87rem}
.nav a[aria-current=page],.nav a:hover{color:#fff;background:#243a52}
.mast{background:linear-gradient(135deg,#e7eef2,#f8f9f9);border-bottom:1px solid var(--line);padding:4.5rem 0 3.6rem}
.eyebrow{font-size:.76rem;letter-spacing:.14em;text-transform:uppercase;font-weight:800;color:var(--green)}
.lead{font-size:1.18rem;color:#3d4c5c;max-width:720px}.meta{font-size:.82rem;color:var(--muted);margin-top:1.2rem}
.crumbs{font-size:.82rem;color:var(--muted);padding:1.2rem 0}.crumbs a{color:inherit;text-decoration:none}
main{padding:0 0 5rem}.sheet{background:#fff;border:1px solid var(--line);padding:clamp(1.25rem,4vw,3.5rem);
box-shadow:0 10px 32px rgba(19,36,58,.05)}.answer{border-left:5px solid var(--green);background:var(--green-soft);
padding:1.1rem 1.25rem;margin:1.3rem 0 2rem}.answer strong{color:var(--navy)}
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));border:1px solid var(--line);margin:1.5rem 0}
.fact{padding:1rem 1.1rem;border-right:1px solid var(--line)}.fact:last-child{border:0}
.fact b{display:block;color:var(--navy);font-size:1.2rem}.fact span{font-size:.84rem;color:var(--muted)}
.table-wrap{overflow-x:auto;margin:1.4rem 0 2rem}table{width:100%;min-width:650px;border-collapse:collapse;font-size:.9rem}
caption{text-align:left;font-weight:800;color:var(--navy);padding:0 0 .7rem}th,td{padding:.75rem .7rem;text-align:left;
vertical-align:top;border-bottom:1px solid var(--line)}thead th{background:var(--navy);color:#fff;font-size:.75rem;
text-transform:uppercase;letter-spacing:.06em}.top td{background:var(--green-soft)}.note{font-size:.82rem;color:var(--muted)}
.rank{list-style:none;padding:0;margin:1.5rem 0}.rank li{display:grid;grid-template-columns:42px 1fr;gap:1rem;
border-top:1px solid var(--line);padding:1.3rem 0}.rank .num{width:34px;height:34px;background:var(--navy);color:#fff;
display:grid;place-items:center;font-weight:800}.rank .winner{background:var(--green)}.rank h3{margin:0 0 .2rem}
.label{display:inline-block;font-size:.72rem;background:var(--blue);padding:.18rem .5rem;margin-left:.45rem;
text-transform:uppercase;letter-spacing:.05em}.callout{background:#eef2f5;border:1px solid var(--line);padding:1rem 1.15rem;margin:1.5rem 0}
.steps{counter-reset:n;list-style:none;padding:0}.steps li{counter-increment:n;padding:0 0 1.3rem 3rem;position:relative}
.steps li:before{content:counter(n);position:absolute;left:0;top:0;width:2rem;height:2rem;display:grid;place-items:center;
background:var(--navy);color:#fff;font-weight:800}.faq details{border-top:1px solid var(--line)}
.faq details:last-child{border-bottom:1px solid var(--line)}summary{cursor:pointer;font-weight:750;color:var(--navy);
padding:1rem 2rem 1rem 0;position:relative}summary:after{content:"+";position:absolute;right:.3rem}.faq details[open] summary:after{content:"–"}
.faq-answer{padding:0 0 1rem;color:#465363}.sources{border-top:2px solid var(--navy);margin-top:3.5rem;padding-top:1rem;
font-size:.82rem;color:var(--muted)}.sources h2{font-size:.9rem;text-transform:uppercase;letter-spacing:.08em;margin:0 0 .7rem}
.sources li{overflow-wrap:anywhere}.site-foot{background:var(--navy);color:#bdc9d3;padding:3rem 0 2rem}
.foot-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:2rem}.site-foot h3{color:#fff;font-size:.78rem;
text-transform:uppercase;letter-spacing:.08em;margin:0 0 .7rem}.site-foot ul{list-style:none;padding:0}
.site-foot a{color:#d8e2e9;text-decoration:none}.legal{border-top:1px solid #385069;margin-top:2rem;padding-top:1rem;font-size:.8rem}
.glossary dt{font-weight:800;color:var(--navy);border-top:1px solid var(--line);padding-top:1rem;margin-top:1rem}
.glossary dd{margin:.25rem 0 0}.button{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;
padding:.65rem 1rem;font-weight:750}.button:hover{color:#fff;background:var(--green)}
@media(max-width:760px){.mast{padding:3rem 0 2.5rem}.head-row{justify-content:center}.nav{justify-content:center}
.foot-grid{grid-template-columns:1fr 1fr}.facts{grid-template-columns:1fr}.fact{border-right:0;border-bottom:1px solid var(--line)}}
@media(max-width:480px){.foot-grid{grid-template-columns:1fr}.sheet{border-left:0;border-right:0}.wrap{width:min(100% - 1rem,1160px)}}