:root{--navy:#16375a;--navy-deep:#0e2740;--gold:#b5894c;--gold-deep:#8a6733;--gold-soft:#f3ecdd;--ink:#14202c;--body:#35424f;--muted:#6b7885;--line:#e6e8ec;--line-strong:#d6dae0;--bg:#fff;--bg-soft:#f6f7f9;--font-serif:"Iowan Old Style", "Palatino Linotype", Palatino, Georgia, Cambria, "Times New Roman", serif;--font-sans:system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;--maxw:1200px;--measure:720px;--radius:8px}*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{font-family:var(--font-sans);color:var(--body);background:var(--bg);-webkit-font-smoothing:antialiased;text-rendering:optimizelegibility;margin:0;font-size:1.05rem;line-height:1.7}.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 1.5rem}h1,h2,h3,h4{font-family:var(--font-serif);color:var(--ink);letter-spacing:-.015em;font-weight:600;line-height:1.2}h1{margin:0 0 1rem;font-size:clamp(2.1rem,5vw,3rem)}h2{margin:3rem 0 1rem;font-size:clamp(1.5rem,3vw,1.9rem)}h3{margin:1.75rem 0 .5rem;font-size:1.25rem}p{margin:0 0 1.15rem}a{color:var(--navy);text-underline-offset:3px;text-decoration:none}a:hover{text-decoration:underline}.eyebrow{font-family:var(--font-sans);text-transform:uppercase;letter-spacing:.12em;color:var(--navy);margin:0 0 .75rem;font-size:.72rem;font-weight:700}.lead{color:var(--muted);font-size:1.2rem;line-height:1.6}.site-header{border-bottom:1px solid var(--line);backdrop-filter:saturate(180%)blur(8px);z-index:10;background:#ffffffe6;position:sticky;top:0}.site-header .container{justify-content:space-between;align-items:center;gap:1rem;min-height:68px;display:flex}.brand{align-items:center;gap:.6rem;min-width:0;display:inline-flex}.brand:hover{text-decoration:none}.brand picture,.foot-brand picture{flex:none;line-height:0;display:inline-flex}.brand-mark{flex:none;width:auto;height:42px;display:block}.brand-word{width:auto;height:18px;display:block}@media (width<=560px){.brand-word{display:none}.brand-mark{height:38px}}.nav a{font-family:var(--font-sans);color:var(--body);text-transform:uppercase;letter-spacing:.06em;margin-left:1.5rem;font-size:.82rem;font-weight:500}.nav a:hover{color:var(--navy);text-decoration:none}main{padding:3.5rem 0 4.5rem}.hero{text-align:center;border-bottom:1px solid var(--line);max-width:760px;margin:0 auto;padding:1.5rem 0 3rem}.hero .lead{max-width:620px;margin:0 auto 2rem}.hero-cta{flex-wrap:wrap;justify-content:center;gap:.75rem;display:flex}.card-grid{grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1.25rem;margin:1.75rem 0;display:grid}.card{border:1px solid var(--line);border-radius:var(--radius);background:var(--bg);padding:1.6rem;transition:border-color .2s,transform 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.2s;display:inline-block}.btn:hover{background:var(--navy-deep);color:#fff;text-decoration:none}.cta-band{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);text-align:center;margin:4rem 0 0;padding:2.75rem 2rem}.cta-band h2{margin-top:0}.site-footer{border-top:1px solid var(--line);background:var(--bg-soft);color:var(--muted);padding:3rem 0;font-size:.92rem}.site-footer .foot-grid{flex-wrap:wrap;justify-content:space-between;gap:2rem;display:flex}.foot-brand{align-items:center;gap:.75rem;display:flex}.foot-brand img{flex:none;width:auto;height:40px}.site-footer strong{color:var(--ink);font-family:var(--font-serif)}.site-footer a{color:var(--muted)}.site-footer a:hover{color:var(--navy)}.site-footer nav a{margin:.25rem 0;display:block}.disclosure{border-top:1px solid var(--line);max-width:720px;margin-top:1.75rem;padding-top:1.75rem;font-size:.85rem}.prose{max-width:var(--measure)}.prose>.lead{margin-bottom:2rem}.prose h2{padding-top:.5rem}.prose ul{padding-left:1.25rem}.prose li{margin:.4rem 0}.prose a{font-weight:500}.prose .table-scroll{-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:10px;margin:1.75rem 0;overflow-x:auto}.prose table{border-collapse:collapse;width:100%;min-width:30rem;font-size:.92rem}.prose thead th{background:var(--navy);color:#fff;text-align:left;vertical-align:bottom;font-weight:600}.prose th,.prose td{text-align:left;vertical-align:top;border-bottom:1px solid var(--line);padding:.6rem .85rem}.prose tbody tr:nth-child(2n){background:#fafbfc}.prose tbody tr:last-child th,.prose tbody tr:last-child td{border-bottom:0}.prose tbody td:first-child,.prose tbody th[scope=row]{color:var(--ink);font-weight:600}.article-head{max-width:var(--measure)}.reassurance{border-top:1px solid var(--line);grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:1.75rem 2rem;margin:3.5rem 0 0;padding:2.25rem 0 0;display:grid}.reassurance-item{align-items:flex-start;gap:.85rem;display:flex}.reassurance-item .ri-icon{color:var(--gold-deep);flex:none;margin-top:1px}.reassurance-item h3{font-family:var(--font-sans);color:var(--ink);letter-spacing:0;margin:0 0 .2rem;font-size:.98rem;font-weight:600}.reassurance-item p{color:var(--muted);margin:0;font-size:.88rem;line-height:1.55}.eyebrow.gold{color:var(--gold-deep)}.badge-pro{font-family:var(--font-sans);text-transform:uppercase;letter-spacing:.1em;color:#fff;background:var(--gold-deep);vertical-align:middle;border-radius:999px;padding:.15rem .5rem;font-size:.62rem;font-weight:700;display:inline-block}.nav a.is-pro{color:var(--gold-deep);font-weight:700}.nav a.is-pro:hover{color:var(--gold)}.btn-gold{color:var(--gold-deep);box-shadow:inset 0 0 0 1.5px var(--gold);background:0 0}.btn-gold:hover{background:var(--gold-deep);color:#fff;box-shadow:none}.pro-band{background:var(--gold-soft);border:1px solid #e7dcc4;border-left:3px solid var(--gold);border-radius:var(--radius);margin:4rem 0 0;padding:2.5rem 2rem}.pro-band .eyebrow{color:var(--gold-deep)}.pro-band h2{margin-top:.25rem}.pro-band .pro-list{grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:.75rem 1.5rem;margin:1.5rem 0 1.75rem;padding:0;list-style:none;display:grid}.pro-band .pro-list li{color:var(--body);padding-left:1.35rem;font-size:.98rem;position:relative}.pro-band .pro-list li:before{content:"";background:var(--gold);border-radius:2px;width:7px;height:7px;position:absolute;top:.55em;left:0;transform:rotate(45deg)}.card.card-pro:hover{border-color:var(--gold)}.breadcrumbs{color:var(--muted);flex-wrap:wrap;align-items:center;gap:.4rem;margin:0 0 1.75rem;font-size:.82rem;display:flex}.breadcrumbs a{color:var(--muted)}.breadcrumbs a:hover{color:var(--navy)}.breadcrumbs [aria-current=page]{color:var(--ink);text-overflow:ellipsis;white-space:nowrap;max-width:22ch;overflow:hidden}.breadcrumbs-sep{color:var(--line-strong)}.related{border-top:1px solid var(--line);margin-top:3.5rem;padding-top:2.5rem}.related h2{margin-top:0}.skip-link{z-index:100;background:var(--navy);color:#fff;border-radius:0 0 var(--radius) 0;padding:.7rem 1.1rem;font-size:.9rem;font-weight:600;position:absolute;top:0;left:-9999px}.skip-link:focus{color:#fff;text-decoration:none;left:0}.center{text-align:center}hr{border:0;border-top:1px solid var(--line);margin:2.5rem 0}