@font-face{font-family:Manrope;src:url('/assets/manrope.woff2') format('woff2');font-weight:200 800;font-style:normal;font-display:swap}
@font-face{font-family:'DM Sans';src:url('/assets/dm-sans.woff2') format('woff2');font-weight:100 1000;font-style:normal;font-display:swap}
:root{--forest:#0c2722;--deep:#09201c;--green:#244639;--cream:#f7f5ec;--paper:#eeeee3;--ink:#172e26;--muted:#637067;--orange:#ffad48;--line:#d9ded2;--serif:Georgia,'Times New Roman',serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;background:var(--cream);color:var(--ink);font-family:'DM Sans',sans-serif;font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}h1,h2,h3,h4,p,figure{margin:0}h1,h2,h3,h4{font-family:Manrope,sans-serif;line-height:1.2;font-weight:700}h1{letter-spacing:-3px}h2{font-size:clamp(30px,3.3vw,44px);letter-spacing:-1.8px;line-height:1.18}h3{letter-spacing:-.6px}a{color:inherit;text-decoration:none}button,input{font:inherit}button,a,input,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}button:disabled{cursor:default}a,button,summary,input{touch-action:manipulation}button{color:inherit}button:focus-visible,a:focus-visible,summary:focus-visible,input:focus-visible{outline:3px solid #bc6a00;outline-offset:5px}img{display:block;max-width:100%}.container{max-width:1280px;width:calc(100% - 112px);margin-inline:auto}.icon{width:22px;height:22px;flex-shrink:0;display:inline-block;vertical-align:middle}.eyebrow{font-size:10px;font-weight:700;letter-spacing:1.8px;display:inline-flex;align-items:center;gap:8px;line-height:1.5}.eyebrow i{height:6px;width:6px;background:var(--orange);border-radius:50%;display:block}::selection{background:#ffcf83;color:var(--forest)}.skip-link{position:fixed;left:20px;top:-100px;background:var(--orange);padding:12px 20px;border-radius:8px;z-index:100}.skip-link:focus{top:12px}
.topline{background:var(--deep);color:#a5b7a9;font-size:9px;letter-spacing:1.1px}.topline .container{display:flex;align-items:center;justify-content:space-between;min-height:32px}.topline .container>span{display:flex;align-items:center;gap:8px}.topline .icon{width:12px;height:12px}.topline strong{font-size:12px;color:#d5ddcf;display:flex;align-items:center;gap:7px}.topline strong span{font-size:8px;letter-spacing:1.1px;font-weight:400}.header{position:sticky;top:0;z-index:20;background:var(--forest);color:#f5f3e8;border-bottom:1px solid #ffffff13}.nav-inner{height:88px;display:flex;align-items:center;justify-content:space-between;gap:25px}.brand{display:inline-flex;align-items:center;gap:10px;font-family:Manrope,sans-serif;line-height:1.15;flex-shrink:0}.brand-mark{width:43px;height:43px}.brand>span{font-size:10px;font-weight:600;letter-spacing:2.3px}.brand strong{display:block;font-size:20px;letter-spacing:-.5px}.brand-dot{color:var(--orange)}.main-nav{display:flex;align-items:center;gap:29px;font-size:12px;margin-left:35px}.main-nav>a{position:relative;padding:12px 0;color:#d2dbd0;white-space:nowrap}.main-nav>a:after{content:'';position:absolute;bottom:5px;left:0;width:0;height:2px;background:var(--orange);transition:width .2s}.main-nav>a:hover:after{width:100%}.nav-actions{display:flex;align-items:center;gap:14px}.icon-button{width:35px;height:35px;display:inline-flex;align-items:center;justify-content:center;background:transparent;border:0;padding:5px;border-radius:50%}.icon-button:hover{background:#ffffff12}.nav-actions .icon{width:18px;height:18px}.button{min-height:49px;padding:13px 22px;display:inline-flex;align-items:center;justify-content:center;gap:25px;border:1px solid transparent;border-radius:5px;font-size:12px;font-weight:700;transition:background .2s,transform .2s;line-height:1.5}.button:hover{transform:translateY(-2px)}.button .icon{width:18px;height:18px}.nav-cta{min-height:40px;padding:9px 14px;gap:16px;border-color:#afbf9d66;color:#e5ebd9;font-size:11px}.nav-cta:hover{background:#ffffff12}.button-orange{background:var(--orange);color:var(--forest)}.button-orange:hover{background:#ffc276}.button-outline{border-color:#788d7e88;color:#e1e8dc}.button-outline:hover{background:#ffffff0b}.button-cream{background:var(--cream);color:var(--forest)}.language{position:relative}.language summary{display:flex;align-items:center;gap:5px;cursor:pointer;font-size:10px;list-style:none;padding:8px 0}.language summary::-webkit-details-marker{display:none}.language summary .icon:last-child{width:12px}.language-panel{position:absolute;right:0;top:45px;background:var(--cream);color:var(--ink);width:175px;box-shadow:0 8px 30px #0002;border-radius:8px;overflow:hidden;padding:6px}.language-panel a{padding:10px;display:flex;align-items:center;gap:12px;font-size:11px;font-weight:700;border-radius:4px}.language-panel a span{font-size:12px;font-weight:400}.language-panel a:hover{background:var(--line)}.menu-toggle{display:none}
.hero{background:var(--forest);color:var(--cream);overflow:hidden}.hero-inner{position:relative;display:grid;grid-template-columns:1.05fr 1.2fr;align-items:center;min-height:575px;padding-top:38px;padding-bottom:30px}.hero-copy{position:relative;z-index:2;padding-top:8px;padding-bottom:25px}.hero-copy>.eyebrow{color:#d4dbbd;font-size:9px;letter-spacing:1.6px}.hero h1{font-size:clamp(42px,4.7vw,66px);line-height:1.08;font-weight:600;margin:25px 0 22px;max-width:600px;letter-spacing:-3px}.hero h1 em{font-family:var(--serif);font-weight:400;color:#ffc77d;letter-spacing:-2.5px;font-size:1.09em;white-space:nowrap}.hero-copy>p{color:#b6c4b6;max-width:425px;font-size:14px;line-height:1.8}.hero-buttons{display:flex;gap:12px;margin-top:30px}.hero-trust{display:flex;align-items:center;gap:7px;font-size:10px;color:#9faf9f;margin-top:21px}.hero-trust .icon{width:14px;height:14px}.hero-art{position:relative;margin-right:-60px;margin-left:-54px;align-self:stretch;display:flex;align-items:center}.hero-art:after{content:'';position:absolute;inset:0;pointer-events:none;background:linear-gradient(90deg,var(--forest) 0%,transparent 18%,transparent 89%,var(--forest) 100%)}.hero-art img{width:100%;height:auto;object-fit:contain;mix-blend-mode:lighten;mask-image:linear-gradient(0deg,transparent,black 13%,black 97%,transparent);-webkit-mask-image:linear-gradient(0deg,transparent,black 13%,black 97%,transparent)}.hero-art figcaption{position:absolute;bottom:15px;right:65px;display:flex;flex-direction:column;align-items:flex-end;color:#98a88a;z-index:1;gap:2px}.hero-art figcaption span:first-child{font-family:Manrope;font-size:10px;letter-spacing:3px;color:#ddd6b1}.hero-art figcaption span:last-child{font-size:7px;letter-spacing:1.3px}.stats{border-top:1px solid #627b5f44;display:grid;grid-template-columns:repeat(4,1fr);padding:27px 0 22px}.stats>div{padding:0 30px;border-right:1px solid #627b5f44}.stats>div:first-child{padding-left:0}.stats>div:last-child{border-right:0}.stats span{display:block;color:#9eb094;font-size:8px;letter-spacing:1.6px;font-weight:500}.stats strong{font-family:Manrope;font-weight:600;display:block;font-size:26px;letter-spacing:-.7px;margin-top:7px;line-height:1.4}.stats sup{color:var(--orange);font-size:12px}.stats-note{font-size:9px;color:#a2b29f;padding-bottom:21px;line-height:1.7}.stats-note a{white-space:nowrap;color:#dfdabc;margin-left:4px}.stats-note .icon{width:11px;height:11px}
.section{padding:83px 0}.section-heading{display:flex;align-items:flex-end;justify-content:space-between;gap:60px;margin-bottom:39px}.section-heading .eyebrow{color:#6b775d;margin-bottom:16px}.heading-side{max-width:370px;font-size:13px;color:var(--muted);line-height:1.9}.heading-side p{margin-bottom:14px}.underlined{display:inline-flex;align-items:center;gap:25px;font-weight:600;font-size:12px;padding-bottom:3px;border-bottom:1px solid #9ba58d;color:var(--ink)}.underlined .icon{width:17px;height:17px}.underlined:hover{color:#865114;border-color:#865114}.essentials{padding-bottom:67px}.essentials-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:35px}.essential{position:relative;padding:25px 0;border-top:1px solid #bfc8b7}.essential-icon{display:inline-flex;width:42px;height:42px;align-items:center;justify-content:center;background:#e7ebde;border-radius:11px;margin-bottom:20px;color:#3a5940}.essential-number{float:right;font-family:var(--serif);font-style:italic;font-size:27px;color:#b5bdac}.essential h3{font-size:17px;margin-bottom:7px}.essential p{font-size:12px;color:var(--muted);max-width:270px}.guides{background:var(--paper);border-top:1px solid #e2e5d9;padding-top:76px}.guide-toolbar{display:flex;justify-content:space-between;align-items:center;border-bottom:1px solid #cfd6c6;padding-bottom:20px;margin-bottom:29px}.filters{display:flex;gap:7px;flex-wrap:wrap}.filter{background:transparent;border:1px solid transparent;border-radius:40px;padding:8px 17px;font-size:11px;color:#55654f;transition:background .2s}.filter.active{background:var(--forest);color:var(--cream)}.filter:not(.active):hover{border-color:#abb9a2}.guide-count{font-family:Manrope;font-size:18px;color:#4d6147}.guide-count span{font-family:'DM Sans';font-size:10px;margin-left:4px}.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.guide-card{background:var(--cream);border-radius:9px;overflow:hidden;border:1px solid #dce1d3;transition:transform .2s,box-shadow .2s;display:flex;flex-direction:column}.guide-card:hover{transform:translateY(-4px);box-shadow:0 10px 24px #132c2010}.guide-card[hidden]{display:none}.card-image{height:200px;display:block;position:relative;overflow:hidden;padding:24px}.card-art-0{background:#0b2920;color:#ffe0a9}.card-art-0 img{position:absolute;width:100%;height:100%;object-fit:cover;right:-17%;top:0;opacity:.72;mask-image:linear-gradient(90deg,transparent,#000 22%)}.card-art-0:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,#0c2722b0,transparent 70%)}.art-number{position:absolute;right:20px;top:18px;font-family:var(--serif);font-style:italic;font-size:16px;opacity:.5;z-index:2}.art-title{font-family:Manrope;font-size:27px;letter-spacing:-1px;line-height:1.1;font-weight:700;position:absolute;left:24px;bottom:24px;z-index:1}.card-art-0 .art-title{max-width:180px}.card-art-1{background:#e1e5d1;color:#244538}.card-art-1 .art-title{font-family:var(--serif);font-size:65px;letter-spacing:-4px;line-height:1;bottom:48px}.card-art-1 .art-caption{font-size:8px;letter-spacing:1.5px;position:absolute;bottom:28px;left:25px;opacity:.7}.rtp-dots{position:absolute;right:0;top:0;width:130px;height:200px;opacity:.16;background-image:radial-gradient(#244538 2px,transparent 2px);background-size:13px 13px;transform:rotate(-12deg)}.card-art-2{background:#efb46a;color:#4c331e}.card-art-2>.icon{position:absolute;right:-22px;top:12px;width:165px;height:165px;transform:rotate(18deg);opacity:.13;stroke-width:1}.card-art-3{background:#d4dccd;color:#314c3d}.card-art-4{background:#c4cfad;color:#283b2f}.card-art-3>.icon,.card-art-4>.icon{position:absolute;right:23px;top:30px;width:110px;height:110px;opacity:.15;stroke-width:1}.card-content{padding:22px;display:flex;flex:1;flex-direction:column}.card-meta{display:flex;justify-content:space-between;gap:10px;font-size:9px;color:#737f6b;margin-bottom:12px}.card-meta span:first-child{text-transform:uppercase;letter-spacing:1px;font-size:8px;font-weight:700}.card-content h3{font-size:19px;line-height:1.35;margin-bottom:11px}.card-content h3 a:hover{text-decoration:underline;text-underline-offset:4px}.card-content p{font-size:12px;color:var(--muted);line-height:1.8;margin-bottom:22px}.card-link{display:flex;align-items:center;justify-content:space-between;border-top:1px solid #dfe4d7;padding-top:14px;font-size:11px;font-weight:700;margin-top:auto}.card-link .icon{width:18px;height:18px}.guides .guide-card:nth-child(n+4){display:grid;grid-template-columns:135px 1fr;grid-column:span 1}.guides .guide-card:nth-child(4){grid-column:span 2;grid-template-columns:40% 1fr}.guides .guide-card:nth-child(5){display:flex}.guides .guide-card:nth-child(n+4) .card-image{height:100%;min-height:200px}.guides .guide-card:nth-child(5) .card-image{height:110px;min-height:110px}.guides .guide-card:nth-child(5) .art-title{font-size:20px}.guides .guide-card:nth-child(5) .card-image>.icon{height:75px;width:75px;right:20px;top:18px}.guides .guide-card:nth-child(5) .card-content h3{font-size:16px}.guides .guide-card:nth-child(5) .card-content{padding:15px 22px}.guides .guide-card:nth-child(5) .card-content p{display:none}
.rtp-section{background:#f8f7ef}.rtp-layout{display:grid;grid-template-columns:1fr 1fr;gap:100px;align-items:center}.rtp-copy .eyebrow{color:#6b775d;margin-bottom:19px}.rtp-copy h2{font-size:40px}.rtp-copy>p{font-size:13px;color:var(--muted);margin:24px 0;max-width:385px}.rtp-calculator{background:#e9eddf;border:1px solid #d8dfce;border-radius:12px;padding:30px 35px}.rtp-big{font-family:Manrope;font-size:70px;letter-spacing:-4px;font-weight:600;line-height:1.2;display:flex;align-items:baseline}.rtp-big>span{font-size:49px;letter-spacing:-3px}.rtp-big small{font-family:'DM Sans';font-size:11px;letter-spacing:2px;font-weight:500;margin-left:auto;align-self:center;border:1px solid #b7c1ab;padding:7px 10px;border-radius:5px}.calculator-rule{height:1px;background:#cbd5bf;margin:18px 0}.range-label{display:flex;justify-content:space-between;font-size:11px;align-items:center}.range-label output{font-size:17px;font-weight:700;letter-spacing:-.5px}input[type=range]{width:100%;accent-color:var(--forest);margin:19px 0 6px;cursor:pointer;height:5px}.range-endpoints{display:flex;justify-content:space-between;font-size:9px;color:#6d7c63}.rtp-results{display:grid;grid-template-columns:1fr 1fr;margin:22px 0 17px;border-bottom:1px solid #cbd5bf;padding-bottom:19px;gap:20px}.rtp-results>div:last-child{border-left:1px solid #cbd5bf;padding-left:24px}.rtp-results span{display:block;font-size:10px;color:#4c6247}.rtp-results strong{display:block;font-family:Manrope;font-size:27px;letter-spacing:-1px;font-weight:600;margin:3px 0}.rtp-results small{font-size:9px;color:#718365}.rtp-calculator>p{font-size:10px;color:#586b4f;line-height:1.6;display:flex;gap:8px}.rtp-calculator>p .icon{width:14px;height:14px;margin-top:2px}.care-section{padding-top:0;padding-bottom:74px}.care-panel{background:var(--forest);border-radius:12px;display:grid;grid-template-columns:1.5fr 1fr;padding:53px 58px;color:#f4f2e5;overflow:hidden;position:relative}.care-panel .eyebrow{color:#b8c5a4;margin-bottom:17px;font-size:9px}.care-panel h2{font-size:37px;letter-spacing:-1.5px}.care-panel>div>p{font-size:12px;color:#b0c0ac;max-width:390px;margin-top:19px;line-height:1.8}.care-panel .button{margin-top:23px;font-size:11px;min-height:44px;padding:11px 15px;gap:27px}.care-symbol{position:relative;display:flex;align-items:center;justify-content:center;min-height:250px}.care-symbol>.icon{width:118px;height:118px;color:#b8ca98;stroke-width:.8;position:relative}.care-ring{position:absolute;width:235px;height:235px;border:1px solid #8a9d7d44;border-radius:50%}.care-ring:before,.care-ring:after{content:'';position:absolute;border:1px solid #8a9d7d22;border-radius:50%;inset:-25px}.care-ring:after{inset:-50px}.care-seal{background:var(--orange);font-family:Manrope;font-weight:700;color:var(--forest);border-radius:50%;width:54px;height:54px;display:flex;align-items:center;justify-content:center;position:absolute;left:calc(50% + 28px);top:calc(50% + 20px);transform:rotate(12deg);font-size:20px;border:5px solid var(--forest)}.care-symbol>p{position:absolute;bottom:-10px;text-align:center;font-size:8px!important;letter-spacing:1.8px!important;white-space:nowrap;margin:0!important;color:#b8c5a4!important}
.faq-section{padding-top:10px;padding-bottom:83px}.faq-layout{display:grid;grid-template-columns:.8fr 1.4fr;gap:95px}.faq-layout>.faq-list{padding-top:0}.faq-layout .eyebrow{color:#6b775d;margin-bottom:17px}.faq-layout h2{font-size:40px}.faq-layout>div>p{font-size:13px;color:var(--muted);margin-top:16px}.review-badge{display:inline-flex;align-items:center;gap:7px;color:#5e7351;font-size:8px;letter-spacing:.8px;font-weight:700;border:1px solid #d9dfd0;border-radius:4px;padding:7px 10px;margin-top:26px}.review-badge .icon{width:12px;height:12px}.faq-list details{border-top:1px solid #cdd6c3}.faq-list details:last-child{border-bottom:1px solid #cdd6c3}.faq-list summary{cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:24px;list-style:none;font-size:13px;font-weight:600;padding:20px 0;line-height:1.5}.faq-list summary::-webkit-details-marker{display:none}.faq-plus{height:15px;width:15px;display:inline-block;position:relative;flex-shrink:0}.faq-plus:before,.faq-plus:after{position:absolute;content:'';background:#60754e;height:1px;width:12px;top:7px;left:2px}.faq-plus:after{transform:rotate(90deg);transition:transform .2s}details[open] .faq-plus:after{transform:rotate(0)}.faq-list details>p{font-size:12px;line-height:1.9;color:#65735e;padding:0 30px 22px 0}.faq-list details>p a{text-decoration:underline}.faq-list details>p .icon{width:14px;height:14px}.regulatory-note{background:#e8ebde;border-top:1px solid #d6dec9;border-bottom:1px solid #d6dec9}.regulatory-note>.container{display:flex;align-items:center;gap:12px;padding-top:17px;padding-bottom:17px}.regulatory-note .icon{width:15px;height:15px;color:#617453}.regulatory-note p{font-size:10px;color:#607354}.regulatory-note a{font-size:10px;font-weight:600;margin-left:auto;white-space:nowrap;display:inline-flex;align-items:center;gap:12px}.footer{background:var(--deep);color:#b0bea6}.footer-top{display:grid;grid-template-columns:1.5fr 1fr .8fr;gap:100px;padding-top:55px;padding-bottom:46px}.footer .brand{color:var(--cream)}.footer .brand-mark{width:38px;height:38px}.footer .brand strong{font-size:18px}.footer .brand>span{font-size:9px}.footer-brand p{font-size:11px;line-height:1.9;max-width:290px;margin-top:20px;color:#8fa38d}.footer-18{font-family:Manrope;font-size:18px;font-weight:600;display:flex;align-items:center;gap:10px;margin-top:20px;color:#b8c7a7}.footer-18 span{font-family:'DM Sans';font-size:8px;font-weight:400;color:#8fa38d;max-width:165px}.footer h3{font-size:11px;color:#eceedd;margin:5px 0 22px;letter-spacing:0}.footer-top>div:not(:first-child)>a,.footer-top>div:not(:first-child)>button{display:block;font-size:10px;margin-bottom:11px;color:#94a78c}.footer-top a:hover,.footer-top button:hover{color:#ffd293}.text-button{padding:0;border:0;background:transparent;text-align:left}.footer-top .text-button .icon{width:12px;height:12px;margin-left:3px}.footer-bottom{border-top:1px solid #94aa7a22;display:flex;justify-content:space-between;gap:20px;padding-top:21px;padding-bottom:24px;font-size:8px;line-height:1.7;color:#7b9278}.footer-bottom span:last-child{max-width:475px;text-align:right}
dialog{border:1px solid #d7ddcd;padding:30px;background:var(--cream);color:var(--ink);border-radius:12px;width:min(640px,calc(100% - 30px));max-height:calc(100dvh - 50px);box-shadow:0 30px 100px #0005}dialog::backdrop{background:#061b16bb;backdrop-filter:blur(5px)}.dialog-head{display:flex;align-items:center;justify-content:space-between;gap:20px;margin-bottom:20px}.dialog-head h2{font-size:25px;letter-spacing:-1px}.dialog-head .icon-button:hover{background:#dde5d3}.search-field{display:flex;align-items:center;gap:12px;padding:14px 16px;border:1px solid #a6b89a;border-radius:6px}.search-field input{border:0;outline:none;background:transparent;width:100%;min-width:0;font-size:14px;color:var(--ink)}.search-results{margin-top:15px}.search-results>a{display:flex;align-items:center;justify-content:space-between;padding:16px 5px;border-bottom:1px solid var(--line);font-size:14px;line-height:1.4;gap:20px}.search-results>a:hover{color:#925600}.search-results>a[hidden]{display:none}.search-results small{display:block;font-size:9px;color:#6c7f5e;margin-bottom:5px;letter-spacing:.7px}.search-empty{font-size:13px;padding:25px 0}.partner-dialog h2{font-size:33px;letter-spacing:-1px;margin-bottom:19px}.partner-dialog>p{font-size:13px;color:var(--muted);margin-bottom:14px;line-height:1.8}.partner-notice{background:#e9eddf;border-radius:8px;display:flex;gap:10px;padding:16px;font-size:11px;line-height:1.8;margin:20px 0}.partner-notice>.icon{width:18px;height:18px;margin-top:2px}.partner-status{display:block;font-size:11px;font-weight:700;margin-bottom:8px}.partner-dialog>.underlined{font-size:11px;margin-bottom:25px}.partner-dialog>.button{display:flex;width:100%;margin-top:5px}.partner-dialog .eyebrow{font-size:8px}.partner-url{font-size:10px;overflow-wrap:anywhere;color:var(--muted);padding:10px;background:#e8ecdf;margin:15px 0;border-radius:5px}
.article-hero{background:#e9eddf;padding:34px 0 51px;border-bottom:1px solid #d9e0cf}.breadcrumbs{display:flex;align-items:center;gap:12px;font-size:10px;color:#718264;margin-bottom:38px;flex-wrap:wrap;line-height:1.5}.breadcrumbs a:hover{text-decoration:underline}.article-hero .eyebrow{color:#637950;margin-bottom:15px}.article-hero h1{font-size:clamp(32px,4.3vw,56px);line-height:1.15;max-width:850px;letter-spacing:-2.2px}.article-lead{max-width:700px;font-size:16px;color:#64765a;line-height:1.8;margin-top:22px}.article-meta{display:flex;align-items:center;gap:25px;margin-top:28px;font-size:10px;color:#59714e;flex-wrap:wrap}.article-meta .icon{width:12px;height:12px;margin-right:5px}.article-layout{display:grid;grid-template-columns:255px 1fr;gap:80px;padding-top:60px;padding-bottom:75px;align-items:start;max-width:1120px}.article-toc{position:sticky;top:120px}.article-toc>.eyebrow{font-size:9px;color:#69805b}.article-toc nav{margin-top:20px}.article-toc nav a{display:flex;gap:11px;padding:13px 0;border-bottom:1px solid var(--line);font-size:11px;line-height:1.7}.article-toc nav a:hover{color:#9b5b0b}.article-toc nav a span{font-size:9px;flex-shrink:0;color:#86967b;padding-top:2px}.toc-partner{display:flex;align-items:center;gap:6px;font-size:9px;line-height:1.5;background:#e9eddf;border:1px solid #dce3d1;padding:12px;margin-top:23px;border-radius:5px;width:100%;text-align:left}.toc-partner .icon{width:13px;height:13px}.article-body>section{scroll-margin-top:120px;margin-bottom:40px}.article-body h2{font-size:26px;letter-spacing:-.8px;line-height:1.35;margin-bottom:19px}.article-body p,.article-body li{font-size:14px;line-height:1.95;color:#52644b}.article-body p+p{margin-top:16px}.article-body ul{padding-left:20px}.article-body li{margin-bottom:10px;padding-left:4px}.references{border-top:1px solid var(--line);padding-top:30px}.references .eyebrow{color:#6c805f;font-size:9px;margin-bottom:12px}.references ul{list-style:none;padding:0;margin:15px 0}.references li{font-size:12px}.references li .icon{width:13px;height:13px;margin-left:7px}.references a{border-bottom:1px solid #afbea1}.references>p{font-size:10px}.article-commercial{background:#e9eddf;padding:25px;border-radius:8px}.article-commercial .eyebrow{font-size:8px;margin-bottom:13px}.article-commercial p{font-size:11px;margin-bottom:16px}.article-commercial .underlined{font-size:10px;border-bottom:1px solid #9ba58d}.related{background:var(--paper);padding-top:60px}.related>.container>.eyebrow{color:#69805b;margin-bottom:12px}.related h2{font-size:34px;margin-bottom:30px}.related .guide-grid{margin-top:25px}.policy-body{max-width:800px;padding-top:55px;padding-bottom:75px}.policy-body h2{font-size:25px;letter-spacing:-.8px;margin:30px 0 15px}.policy-body h2:first-child{margin-top:0}.policy-body p{font-size:14px;color:#52644b;line-height:1.95}.policy-body .underlined{margin-top:40px}.not-found{padding-top:100px;padding-bottom:120px;min-height:60vh}.not-found h1{font-size:55px;margin:15px 0}.not-found p{margin-bottom:30px}
@media(min-width:1500px){.hero-inner{min-height:630px}.hero h1{font-size:72px}.hero-art{margin-right:-65px}.hero-copy>p{font-size:15px}}
@media(max-width:1150px){.container{width:calc(100% - 64px)}.main-nav{margin-left:0;gap:20px}.nav-actions{gap:8px}.nav-cta{display:none}.hero h1{font-size:53px}.hero-inner{grid-template-columns:1.1fr 1fr;min-height:535px}.hero-art{margin-right:-45px;margin-left:-35px}.hero-copy>.eyebrow{font-size:8px}.hero-art figcaption{right:40px;bottom:40px}.hero-art figcaption span:last-child{font-size:6px}.rtp-layout{gap:50px}.rtp-copy h2{font-size:35px}.care-panel{padding:45px 40px}.footer-top{gap:55px}.article-layout{gap:45px;grid-template-columns:220px 1fr}}
@media(max-width:850px){.main-nav{gap:17px;font-size:11px}.nav-inner{height:78px;gap:15px}.nav-actions .search-open{display:none}.hero-inner{grid-template-columns:1.25fr 1fr;min-height:500px}.hero h1{font-size:44px;letter-spacing:-2px}.hero h1 em{letter-spacing:-2px}.hero-copy>p{font-size:12px;max-width:330px}.hero-copy>.eyebrow{font-size:7px;letter-spacing:1.1px}.hero-art{margin-left:-58px;margin-right:-70px}.hero-art figcaption{display:none}.hero-buttons .button{padding:11px 15px;gap:15px;min-height:44px;font-size:11px}.hero-trust{font-size:8px}.section{padding:60px 0}.section-heading{gap:40px;margin-bottom:30px}.section-heading h2{font-size:32px}.heading-side{max-width:290px;font-size:12px}.essentials-grid{gap:22px}.essential h3{font-size:15px}.essential p{font-size:11px}.guide-grid{gap:17px}.card-image{height:165px;padding:18px}.art-title{font-size:22px;left:18px;bottom:20px}.card-art-1 .art-title{font-size:49px;bottom:50px;letter-spacing:-3px}.card-art-1 .art-caption{font-size:6px;left:18px}.card-content{padding:17px}.card-meta{flex-direction:column;gap:4px}.card-content h3{font-size:17px}.card-content p{font-size:11px}.rtp-layout{gap:35px}.rtp-copy h2{font-size:31px}.rtp-calculator{padding:25px}.rtp-big{font-size:58px}.rtp-big>span{font-size:41px}.rtp-big small{font-size:9px}.rtp-results strong{font-size:24px}.care-section{padding-top:0}.care-panel h2{font-size:31px}.care-panel{grid-template-columns:1.4fr .7fr;padding:40px 35px;gap:20px}.care-symbol>.icon{width:95px;height:95px}.care-ring{width:170px;height:170px}.care-symbol>p{font-size:6px!important;letter-spacing:1px!important;bottom:15px}.faq-section{padding-top:0}.faq-layout{gap:40px;grid-template-columns:.8fr 1.2fr}.faq-layout h2{font-size:32px}.footer-top{gap:35px;grid-template-columns:1.25fr 1fr 1fr}.article-layout{gap:35px;grid-template-columns:190px 1fr}.article-toc nav a{font-size:10px}.article-body h2{font-size:24px}}
@media(max-width:640px){html{scroll-padding-top:85px}.container{width:calc(100% - 40px)}.topline .container{min-height:29px}.topline{font-size:6px;letter-spacing:.8px}.topline .container>span{gap:5px}.topline .icon{width:10px;height:10px}.topline strong{font-size:10px}.topline strong span{font-size:6px}.nav-inner{height:72px}.brand-mark{width:36px;height:36px}.brand>span{font-size:8px;letter-spacing:2px}.brand strong{font-size:18px}.brand{gap:8px}.nav-actions{gap:8px}.nav-actions .search-open{display:inline-flex;width:29px}.nav-actions .search-open .icon{width:17px;height:17px}.language summary{font-size:9px;gap:3px}.language summary>.icon:first-child{display:none}.menu-toggle{display:inline-flex;width:29px}.main-nav{display:none;position:absolute;left:0;right:0;top:72px;background:var(--forest);padding:14px 20px 24px;border-bottom:1px solid #68805c55;box-shadow:0 15px 30px #0002}.main-nav.open{display:flex;flex-direction:column;align-items:flex-start;gap:3px}.main-nav a{font-size:15px;width:100%;padding:10px}.hero-inner{display:flex;flex-direction:column;align-items:stretch;min-height:auto;padding-top:39px;padding-bottom:0}.hero-copy{padding:0}.hero-copy>.eyebrow{font-size:7px;letter-spacing:1.1px}.hero h1{font-size:46px;line-height:1.08;letter-spacing:-2.3px;margin:21px 0 19px;max-width:360px}.hero h1 em{letter-spacing:-2px;font-size:1.04em}.hero-copy>p{font-size:13px;max-width:330px;line-height:1.8}.hero-buttons{margin-top:24px;gap:10px}.hero-buttons .button{font-size:11px;min-height:46px;padding:12px 17px;gap:22px}.hero-trust{margin-top:17px;font-size:9px}.hero-trust .icon{width:12px;height:12px}.hero-art{margin:-5px -20px 0;height:300px;align-items:center;justify-content:center;overflow:hidden}.hero-art img{width:450px;max-width:none;height:300px;object-fit:contain;mask-image:linear-gradient(0deg,transparent,black 12%,black 96%,transparent);-webkit-mask-image:linear-gradient(0deg,transparent,black 12%,black 96%,transparent)}.hero-art:after{background:linear-gradient(90deg,var(--forest),transparent 13%,transparent 87%,var(--forest))}.stats{grid-template-columns:repeat(2,1fr);padding-top:0;padding-bottom:10px}.stats>div{padding:18px 0;border-right:0;border-bottom:1px solid #627b5f33}.stats>div:nth-child(even){padding-left:22px;border-left:1px solid #627b5f33}.stats>div:nth-child(n+3){border-bottom:0}.stats span{font-size:7px;letter-spacing:1.4px}.stats strong{font-size:25px;margin-top:4px}.stats-note{font-size:8px;padding-bottom:21px;line-height:1.8}.section{padding:49px 0}.section-heading{display:block;margin-bottom:25px}.section-heading .eyebrow{font-size:8px;letter-spacing:1.4px;margin-bottom:12px}.section-heading h2{font-size:31px;letter-spacing:-1.4px}.heading-side{max-width:none;font-size:12px;margin-top:19px;line-height:1.8}.heading-side p{margin-bottom:12px}.underlined{font-size:11px;gap:18px}.essentials{padding-bottom:32px}.essentials-grid{display:block}.essential{padding:20px 0 20px 58px;min-height:96px}.essential-icon{position:absolute;left:0;top:20px;width:38px;height:38px;margin:0}.essential-icon .icon{width:20px;height:20px}.essential-number{font-size:22px;line-height:1.2}.essential h3{font-size:15px;padding-right:28px;margin-bottom:6px}.essential p{font-size:11px;max-width:240px;line-height:1.8}.guide-toolbar{padding-bottom:14px;margin-bottom:22px;gap:10px}.filters{gap:3px}.filter{font-size:9px;padding:7px 9px}.guide-count{display:none}.guide-grid{grid-template-columns:1fr;gap:22px}.card-image{height:195px}.card-art-0 img{object-position:center 45%}.art-title{font-size:29px;bottom:23px;left:23px}.card-art-1 .art-title{font-size:70px;bottom:48px;left:23px}.card-art-1 .art-caption{font-size:8px;left:25px}.card-art-2>.icon{width:185px;height:185px;right:-9px}.card-content{padding:22px}.card-meta{flex-direction:row;gap:10px;font-size:9px;margin-bottom:12px}.card-content h3{font-size:20px}.card-content p{font-size:12px;margin-bottom:22px}.card-link{font-size:12px}.guides .guide-card:nth-child(n+4){display:flex;grid-column:auto}.guides .guide-card:nth-child(n+4) .card-image{height:170px;min-height:170px}.guides .guide-card:nth-child(5) .art-title{font-size:27px}.guides .guide-card:nth-child(5) .card-content h3{font-size:20px}.guides .guide-card:nth-child(5) .card-content{padding:22px}.guides .guide-card:nth-child(5) .card-content p{display:block}.guides .guide-card:nth-child(5) .card-image>.icon{height:110px;width:110px;right:30px;top:25px}.rtp-layout{display:block}.rtp-copy h2{font-size:31px}.rtp-copy>.eyebrow{font-size:8px;letter-spacing:1.4px;margin-bottom:14px}.rtp-copy>p{font-size:12px;margin:19px 0}.rtp-calculator{margin-top:30px;padding:24px}.rtp-big{font-size:68px}.rtp-big>span{font-size:46px}.rtp-results strong{font-size:28px}.rtp-section{padding-bottom:45px}.care-section{padding-top:0;padding-bottom:45px}.care-panel{display:flex;flex-direction:column;padding:31px 25px;gap:5px}.care-panel .eyebrow{font-size:7px;letter-spacing:1.4px;margin-bottom:14px}.care-panel h2{font-size:29px;letter-spacing:-1.2px;line-height:1.25}.care-panel h2 br{display:none}.care-panel>div>p{font-size:12px;margin-top:16px}.care-panel .button{font-size:10px;gap:13px;padding:12px;max-width:100%;width:100%}.care-symbol{min-height:220px;max-width:100%;margin-top:30px}.care-ring{width:164px;height:164px}.care-ring:before{inset:-17px}.care-ring:after{inset:-35px}.care-symbol>.icon{width:94px;height:94px}.care-symbol>p{bottom:-4px;font-size:7px!important;letter-spacing:1.4px!important}.care-seal{width:48px;height:48px;font-size:16px;left:calc(50% + 20px);top:calc(50% + 12px)}.faq-section{padding-top:0}.faq-layout{display:block}.faq-layout h2{font-size:32px}.faq-layout .eyebrow{font-size:8px;margin-bottom:13px}.faq-layout>div>p{font-size:12px;margin-top:13px}.review-badge{margin-top:20px;margin-bottom:28px;font-size:7px}.faq-list summary{font-size:12px;padding:18px 0;gap:15px}.faq-list details>p{font-size:12px;padding-right:20px}.regulatory-note>.container{align-items:flex-start;gap:8px;flex-wrap:wrap;padding-top:16px;padding-bottom:16px}.regulatory-note>.container>p{font-size:9px;flex:1}.regulatory-note>.container>.icon{margin-top:3px;width:13px;height:13px}.regulatory-note a{font-size:9px;margin-left:21px;gap:9px}.footer-top{padding:39px 0 28px;grid-template-columns:1fr 1fr;gap:30px 26px}.footer-brand{grid-column:span 2}.footer-brand p{font-size:11px;max-width:280px;margin-top:16px}.footer-18{margin-top:15px}.footer h3{margin-bottom:17px}.footer-top>div:not(:first-child)>a,.footer-top>div:not(:first-child)>button{font-size:10px;line-height:1.8;margin-bottom:8px}.footer-bottom{display:block;font-size:8px;padding-bottom:22px}.footer-bottom span{display:block}.footer-bottom span:last-child{text-align:left;margin-top:10px;max-width:320px}.article-hero{padding-top:24px;padding-bottom:35px}.breadcrumbs{font-size:9px;gap:9px;margin-bottom:29px}.article-hero .eyebrow{font-size:8px;letter-spacing:1.3px}.article-hero h1{font-size:35px;letter-spacing:-1.6px}.article-lead{font-size:14px;line-height:1.85;margin-top:18px}.article-meta{gap:10px 20px;font-size:9px;margin-top:22px}.article-layout{display:block;padding-top:30px;padding-bottom:45px}.article-toc{position:static;margin-bottom:35px;background:#e9eddf;padding:21px;border-radius:7px}.article-toc nav{margin-top:12px}.article-toc nav a{font-size:11px;padding:10px 0}.article-toc nav a:last-child{border:0}.toc-partner{margin-top:15px;padding:10px;font-size:9px}.article-body>section{margin-bottom:31px}.article-body h2{font-size:24px;line-height:1.35;margin-bottom:16px}.article-body p,.article-body li{font-size:14px;line-height:1.9}.article-body p+p{margin-top:14px}.references li{font-size:11px;overflow-wrap:anywhere}.article-commercial{padding:22px}.article-commercial p{font-size:11px}.related h2{font-size:30px}.related>.container>.eyebrow{font-size:8px}.related .guide-grid{margin-top:22px}.policy-body{padding-top:35px;padding-bottom:45px}.policy-body h2{font-size:24px}.not-found{padding-top:60px;padding-bottom:70px}.not-found h1{font-size:38px;letter-spacing:-1.5px}.not-found p{font-size:14px}dialog{padding:23px;border-radius:10px}.dialog-head h2{font-size:23px}.partner-dialog h2{font-size:28px}.partner-dialog>p{font-size:12px}.partner-notice{font-size:10px;padding:13px}.search-results>a{font-size:12px}.search-field{padding:12px}.search-field input{font-size:13px}}
.guides .guide-card[hidden]{display:none}
.nav-cta{background:transparent}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}

.partner-back{display:block;margin:18px auto 0;font-size:12px;text-align:center;text-decoration:underline;text-underline-offset:3px}
@media(max-width:640px){.hero h1{font-size:clamp(36px,11.5vw,46px)}.hero h1 em{white-space:normal}}

@media(max-width:640px){.hero-buttons .button{padding:12px 13px;gap:10px;font-size:11px;white-space:nowrap}.hero-buttons .button .icon{width:16px;height:16px}}

.footer-contact{display:inline-block;margin-top:12px;font-size:12px;text-decoration:underline;text-underline-offset:3px;overflow-wrap:anywhere}.article-meta a{text-decoration:underline;text-underline-offset:3px}