:root{--ink:#183f36;--muted:#5b6c62;--paper:#fffaf0;--clay:#ad543c;--line:#d6d9cb;--pale:#edf0e3;--gold:#efd093}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:30px}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.7 Arial,Helvetica,sans-serif}a{color:inherit;text-decoration:none}a:hover{color:var(--clay)}a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--clay);outline-offset:5px}.wrap{max-width:1260px;margin:auto;padding:0 48px}.topline{background:var(--ink);color:var(--paper);padding:9px max(24px,calc((100vw - 1164px)/2));display:flex;justify-content:space-between;font-size:10px;letter-spacing:1.7px;gap:12px}header{max-width:1260px;margin:auto;padding:27px 48px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid var(--line);gap:20px}.brand{display:flex;align-items:center;gap:13px;font:26px/1.12 Georgia,serif;letter-spacing:-.8px}.brand b{font-weight:400;color:var(--clay)}.brand small{font:8px/1.8 Arial;letter-spacing:1.6px;display:block;margin-top:7px}.logo{width:49px;height:49px;display:grid;place-items:center;background:var(--ink);color:var(--paper);border-radius:13px 0 13px 0;font:35px Georgia}nav{display:flex;gap:27px;font-size:12px;font-weight:600}.menu{display:none}.skip{position:absolute;left:20px;top:-80px;padding:10px;background:white;z-index:30}.skip:focus{top:10px}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-family:Georgia,serif;font-weight:400}h1{font-size:clamp(40px,4.6vw,66px);line-height:1.09;letter-spacing:-2.2px;margin:20px 0 26px}h1 em{color:var(--clay);font-weight:400}h2{font-size:clamp(28px,3vw,42px);line-height:1.17;letter-spacing:-1px;margin-bottom:20px}h3{font-size:24px;line-height:1.3}.eyebrow{font:700 10px/1.6 Arial;letter-spacing:1.8px;color:var(--clay);text-transform:uppercase}.lead{font-size:18px;line-height:1.7;color:var(--muted);max-width:660px}.fine{font-size:11px;color:var(--muted)}.hero{display:grid;grid-template-columns:1.1fr 1fr;gap:45px;align-items:center;padding-top:58px;padding-bottom:58px}.hero h1{font-size:clamp(42px,4.9vw,67px)}.hero .lead{max-width:570px;font-size:17px}.button{display:inline-flex;justify-content:center;align-items:center;gap:25px;padding:13px 23px;background:var(--ink);color:white;border:0;border-radius:5px;font:600 12px/1.5 Arial;cursor:pointer}.button:hover{background:var(--clay);color:white}.herolink{font-size:12px;margin-left:20px;border-bottom:1px solid var(--line);padding:8px 0}.hero .fine{margin-top:23px}.heroart{background:#edd4bd;border:1px solid #dbc0a7;position:relative;border-radius:100px 5px 5px 5px;overflow:hidden}.heroart img{display:block;width:100%;height:auto}.artlabel{position:absolute;top:20px;right:24px;font:9px Arial;letter-spacing:1.4px}.artbottom{padding:17px 25px;background:#183f36;color:var(--paper);font:16px/1.4 Georgia;display:flex;gap:20px;align-items:center}.artbottom b{color:var(--gold);font:31px Georgia}.ribbon{border-block:1px solid var(--line);background:var(--pale)}.ribbon .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;padding-top:19px;padding-bottom:19px}.ribbon span{display:flex;gap:17px;align-items:center;font-size:12px}.ribbon b{font:25px Georgia;color:var(--clay)}.start{display:grid;grid-template-columns:1fr 1fr;gap:100px;padding-top:70px;padding-bottom:65px}.start>div>p:not(.eyebrow){max-width:430px;color:var(--muted);font-size:15px}.startsteps{list-style:none;padding:0;margin:0}.startsteps li{display:flex;gap:23px;padding:20px 0;border-bottom:1px solid var(--line)}.startsteps li:first-child{padding-top:0}.startsteps li>b{font:22px Georgia;color:var(--clay)}.startsteps h3{margin:0 0 6px}.startsteps p{font-size:13px;color:var(--muted);margin:0 0 8px}.startsteps a{font-size:12px;border-bottom:1px solid var(--line)}.ad{padding:28px 32px;background:#efd9bc;display:flex;align-items:center;justify-content:space-between;gap:25px;border-radius:5px;margin:22px 0 50px;border-left:4px solid var(--clay)}.ad small{font-size:8px;letter-spacing:1.5px}.ad h2{font:27px/1.2 Georgia;letter-spacing:-.4px;margin:7px 0}.ad p{font-size:12px;margin:0;max-width:550px}.ad .button{flex-shrink:0}.ad-1{background:var(--pale);border-color:var(--ink)}.ad-2{background:#f0eadc}.catalog{padding:65px 0;background:var(--pale);border-block:1px solid var(--line)}.sectionheading{display:flex;justify-content:space-between;align-items:end;gap:30px}.sectionheading h2{margin-bottom:0}.sectionheading>p{font-size:13px;color:var(--muted)}.tools{display:flex;justify-content:space-between;align-items:end;gap:24px;margin:30px 0 12px}.filters{display:flex;flex-wrap:wrap;gap:7px}button,input,select,textarea{font:inherit}.filters button{border:1px solid #bcc9ba;background:transparent;border-radius:4px;padding:8px 12px;color:var(--ink);font-size:11px;cursor:pointer}.filters button.active{background:var(--ink);color:var(--paper)}.search{font-size:10px;display:block}.search input{display:block;padding:9px 10px;border:1px solid #bcc9ba;background:var(--paper);font-size:12px;border-radius:4px;width:240px}#count{font-size:11px;color:var(--muted)}.grouptitle{font:20px Georgia;margin:35px 0 16px}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.card{padding:25px;background:var(--paper);border:1px solid var(--line);border-radius:5px;display:flex;flex-direction:column;transition:transform .15s,border-color .15s}.card:hover{transform:translateY(-3px);border-color:var(--clay);color:var(--ink)}.cardtop{display:flex;align-items:center;justify-content:space-between;gap:10px}.cardtop small{font-size:8px;letter-spacing:1.3px;color:var(--clay)}.cardtop b{font:19px Georgia;color:#778575}.card h3{margin:20px 0 12px;font-size:23px}.card p{font-size:13px;line-height:1.7;color:var(--muted)}.read{display:flex;justify-content:space-between;margin-top:auto;padding-top:16px;border-top:1px solid var(--line);font-size:11px}.read b{font-size:18px}.calculator{background:var(--ink);color:var(--paper);padding:40px;display:grid;grid-template-columns:.85fr 1.15fr;gap:55px;border-radius:6px;margin:30px 0}.calculator h2{font-size:36px}.calculator .eyebrow{color:var(--gold)}.calculator>div>p:not(.eyebrow){color:#c4d0c4;font-size:14px}.calculator .fine{color:#c4d0c4;margin:12px 0 0}.fields{display:grid;grid-template-columns:1fr 1fr;gap:16px}.fields label{font-size:10px}.fields input,.fields select{display:block;width:100%;min-width:0;border:0;border-bottom:1px solid #829987;background:transparent;color:white;font-size:17px;padding:7px 0;border-radius:0}.fields option{color:var(--ink);background:var(--paper)}.fields label:last-child{grid-column:1/-1}.result{border-top:1px solid #829987;margin-top:24px;padding-top:17px}.result small{font-size:10px}.result output{display:block;color:var(--gold);font:34px Georgia;margin:8px 0}.result p{font-size:11px;margin:0}.faq{display:grid;grid-template-columns:.8fr 1.2fr;gap:90px;padding-top:35px;padding-bottom:70px}.faq a{font-size:12px}.faq details{border-bottom:1px solid var(--line);padding:17px 0}.faq summary{cursor:pointer;font:21px/1.4 Georgia}.faq details p{font-size:14px;color:var(--muted);margin:14px 0 0}.responsible{display:flex;gap:23px;border-top:1px solid var(--line);padding:22px 0 30px}.responsible>b{font:28px Georgia;color:var(--clay)}.responsible p{font-size:11px;color:var(--muted);margin:0}.responsible a{text-decoration:underline}footer{background:var(--ink);color:var(--paper);padding:40px 0 20px}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:35px}.footergrid p{font-size:13px;color:#b8c5b8;margin-top:18px}.footergrid h2{font:11px Arial;text-transform:uppercase;letter-spacing:1px;color:var(--gold)}.footergrid>div:not(:first-child)>a{display:block;font-size:12px;margin:8px 0}.copyright{display:flex;justify-content:space-between;font-size:10px;margin-top:30px;padding-top:18px;border-top:1px solid #496459;color:#b8c5b8}.articlehead{background:var(--pale);padding:30px 0 40px;border-bottom:1px solid var(--line)}.breadcrumb{font-size:11px;margin-bottom:27px;color:var(--muted)}.articlehead h1{max-width:900px;font-size:clamp(36px,4.4vw,57px)}.articlehead .lead{max-width:780px}.articlegrid{display:grid;grid-template-columns:250px minmax(0,1fr);gap:65px;padding-top:45px;padding-bottom:30px}.toc{align-self:start;position:sticky;top:25px;border-top:3px solid var(--clay);padding-top:20px}.toc a{display:block;padding:11px 0;border-bottom:1px solid var(--line);font-size:12px;line-height:1.5}.articlegrid article{max-width:810px}.articlegrid article>section{margin-bottom:38px}.articlegrid article>section>p:not(.eyebrow){font-size:17px;line-height:1.9;color:#344f42}.articlegrid article h2{font-size:31px}.articlegrid article .ad{display:block;margin:30px 0 40px;padding:25px}.articlegrid article .ad h2{font-size:26px}.articlegrid article .ad .button{margin-top:17px}.related{padding-top:25px;border-top:1px solid var(--line)}.related>a{display:block;padding:13px 0;border-bottom:1px solid var(--line);font:19px/1.5 Georgia}.related>a span{float:right}.sources{background:var(--pale);padding:24px;border-radius:5px}.sources ul{padding-left:20px;font-size:13px}.sources a{text-decoration:underline}.statement{margin:30px 0;padding:22px;background:var(--pale);border-radius:5px}.statement figcaption{font-size:11px;margin-bottom:15px}.table-scroll{overflow:auto}table{border-collapse:collapse;width:100%;font-size:13px}th,td{text-align:left;padding:12px;border-bottom:1px solid #c4cebe}th{background:var(--ink);color:white}.messagebox{padding:25px;background:var(--pale)}.messagebox label{display:block;margin-bottom:10px}.messagebox textarea{display:block;width:100%;padding:12px;border:1px solid var(--line);margin-bottom:15px;background:var(--paper)}.messagebox p{font-size:12px}.articlegrid .calculator{grid-template-columns:1fr;gap:10px;padding:28px}[hidden]{display:none!important}@media(max-width:1000px){.wrap{padding-inline:28px}header{padding-inline:28px}nav{gap:15px}.hero{gap:25px}.hero h1{font-size:48px}.start{gap:45px}.cards{grid-template-columns:repeat(2,minmax(0,1fr))}.tools{align-items:start;flex-direction:column}.search input{width:300px}.articlegrid{grid-template-columns:205px minmax(0,1fr);gap:30px}.calculator{gap:30px}.topline{padding-inline:28px}}@media(max-width:650px){.topline{font-size:8px;letter-spacing:.8px;padding:8px 20px}.topline span{max-width:220px;text-align:right}.wrap{padding-inline:21px}header{padding:20px 21px;position:relative}.brand{font-size:23px}.brand small{font-size:7px}.logo{width:41px;height:41px;font-size:30px}.menu{display:block;border:1px solid var(--line);background:transparent;padding:8px 12px;color:var(--ink);font-size:12px}nav{display:none;position:absolute;top:100%;left:0;right:0;z-index:10;background:var(--paper);padding:22px;border-bottom:1px solid var(--line)}nav.open{display:flex;flex-wrap:wrap;gap:20px}.hero{grid-template-columns:1fr;padding-top:34px;padding-bottom:35px;gap:30px}.hero h1{font-size:44px;letter-spacing:-1.9px}.hero .lead{font-size:16px}.heroart{max-width:420px;margin:auto;width:100%}.heroart img{max-height:330px;object-fit:cover}.ribbon .wrap{grid-template-columns:1fr;gap:9px;padding-block:17px}.ribbon b{font-size:21px;min-width:38px}.start{grid-template-columns:1fr;gap:25px;padding-top:40px;padding-bottom:30px}.ad{display:block;padding:22px;margin-bottom:30px}.ad .button{margin-top:18px}.catalog{padding:38px 0}.sectionheading{display:block}.sectionheading>p{margin-top:18px}.cards{grid-template-columns:1fr}.card{padding:23px}.card h3{font-size:25px}.search,.search input{width:100%}.calculator{grid-template-columns:1fr;padding:25px;gap:15px;margin:28px 0}.calculator h2{font-size:31px}.fields{gap:15px}.faq{grid-template-columns:1fr;gap:20px;padding-top:20px;padding-bottom:40px}.footergrid{grid-template-columns:1fr 1fr;gap:25px}.footergrid>div:first-child{grid-column:1/-1}.copyright{display:block}.copyright span{display:block;margin-top:9px}.responsible{gap:15px}.articlehead{padding:23px 0}.articlehead h1{font-size:38px;letter-spacing:-1.3px;overflow-wrap:anywhere}.articlegrid{grid-template-columns:1fr;gap:30px;padding-top:25px}.toc{position:static}.toc a{padding:9px 0}.articlegrid article>section>p:not(.eyebrow){font-size:16px;line-height:1.85}.articlegrid article h2{font-size:29px}.statement{padding:13px}.herolink{margin-left:12px}.button{padding:12px 17px}}

/* Contextual promotional cards */
.ad.promo{padding:0;overflow:hidden;border:1px solid #d3c4a7;border-left:4px solid var(--clay);box-shadow:0 7px 22px #183f3607}
.promo-link{display:flex;align-items:center;justify-content:space-between;gap:24px;width:100%;padding:28px 30px;color:var(--ink);transition:background .18s,box-shadow .18s}
.promo-link:hover{color:var(--ink);background:#ffffff35;box-shadow:inset 0 0 0 1px #ad543c35}
.promo-link small{display:block;font:700 9px/1.5 Arial;letter-spacing:1.3px;color:#655d4e}
.promo-link h2{margin:8px 0 9px!important;font-size:28px!important;line-height:1.2}
.promo-link p{margin:0;font:14px/1.65 Arial;max-width:510px}
.promo-link .button{white-space:nowrap;min-height:48px;flex-shrink:0;font-size:14px;margin-top:0!important;padding:14px 22px}
.promo-link:hover .button{background:var(--clay);color:#fff}
.ad.promo.ad-1{background:#e4ebda;border-left-color:var(--ink)}
.ad.promo.ad-2{background:#f0e3cc}
.articlegrid article .ad.promo{padding:0}
.articlegrid article .promo-link{flex-wrap:wrap}
@media(max-width:650px){.promo-link{display:block;padding:23px}.promo-link .button{display:flex;width:100%;margin-top:19px!important;white-space:normal}.promo-link h2{font-size:26px!important}}