[hidden]{display:none!important}
@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700;800&family=Manrope:wght@400;500;600;700;800&display=swap');
:root{--ink:#10243a;--muted:#587085;--blue:#1468da;--blue-dark:#0a4bb0;--soft:#edf5ff;--bg:#f7f9fc;--line:#dde6ef;--green:#15765f;--radius:15px;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:#fff;font:16px/1.68 'DM Sans',system-ui,-apple-system,Segoe UI,sans-serif}button,input,select,textarea{font:inherit}a{color:var(--blue)}a:hover{color:var(--blue-dark)}button{cursor:pointer}h1,h2,h3{color:var(--ink);font-family:Manrope,'DM Sans',system-ui,sans-serif;letter-spacing:-.045em;line-height:1.2}h1{font-size:clamp(2.15rem,4.2vw,3.95rem);margin:0 0 20px;font-weight:800}h2{font-size:clamp(1.55rem,2.3vw,2rem);margin:45px 0 16px}h3{font-size:1.2rem;margin:30px 0 10px}p{margin:0 0 18px}ul,ol{padding-left:25px}li{margin:9px 0}small{font-size:.79rem}strong{font-weight:800}.container{max-width:var(--max);margin:auto;padding:0 24px}.skip{position:absolute;left:-9999px;top:10px;background:white;z-index:99;padding:8px}.skip:focus{left:10px}
.topbar{position:sticky;top:0;background:#fffffffa;backdrop-filter:blur(14px);z-index:20;border-bottom:1px solid var(--line)}.topbar-inner{max-width:1280px;padding:0 24px;margin:auto;height:75px;display:flex;align-items:center;gap:24px}.brand{color:var(--ink);text-decoration:none;display:flex;align-items:center;gap:12px;min-width:254px}.brand-icon{width:41px;height:41px;background:var(--blue);color:#fff;display:grid;place-items:center;border-radius:11px;font-size:24px;font-weight:800;line-height:1}.brand-name{font-size:15px;font-weight:800;letter-spacing:-.045em;line-height:1.15}.brand-tag{display:block;margin-top:4px;letter-spacing:.17em;font-weight:800;color:var(--muted);font-size:9px}.toplinks{display:flex;align-items:center;gap:24px;margin-left:auto}.toplinks a{color:var(--ink);font-size:13px;font-weight:800;text-decoration:none}.toplinks a:hover{color:var(--blue)}.toplinks .nav-cta{background:var(--ink);color:white!important;padding:10px 16px;border-radius:9px}.toplinks .nav-cta:hover{background:var(--blue)}.mobile-menu{display:none;background:none;border:1px solid var(--line);border-radius:9px;padding:7px 12px}
.eyebrow{font-size:11px;color:#1e6ab6;text-transform:uppercase;letter-spacing:.16em;font-weight:800;margin:0 0 15px}.muted{color:var(--muted)}.lead{font-size:1.12rem;color:#4d6379;line-height:1.75;max-width:780px}.btn{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;white-space:normal;text-align:center;border:1px solid transparent;border-radius:10px;background:var(--blue);padding:13px 20px;color:#fff;font-size:14px;font-weight:800;line-height:1.3;gap:10px}.btn:hover{color:#fff;background:var(--blue-dark)}.btn-light{color:var(--ink);border-color:#cbd9e9;background:white}.btn-light:hover{background:var(--soft);color:var(--ink)}.btn-dark{background:var(--ink)}.pill{display:inline-block;color:#175e9f;font-weight:700;font-size:11px;padding:6px 10px;background:#e9f3ff;border-radius:99px;letter-spacing:.02em}.btn:focus-visible,a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible{outline:3px solid #91c2ff;outline-offset:2px}
.homehero{background:radial-gradient(circle at 90% 10%,#e6f4ff 0,transparent 43%),linear-gradient(120deg,#edf5ff,#fff 75%);border-bottom:1px solid var(--line);padding:76px 0 65px}.homehero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:70px;align-items:center}.homehero h1 em{font-style:normal;color:var(--blue)}.homehero .lead{max-width:650px}.home-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:28px}.hero-metrics{display:flex;gap:28px;margin-top:35px}.hero-metrics>div{border-right:1px solid #cbd9e9;padding-right:27px}.hero-metrics>div:last-child{border:0}.hero-metrics b{font-size:25px;display:block;line-height:1.4}.hero-metrics small{color:var(--muted)}.hero-box{background:white;box-shadow:0 22px 65px #183f7614;border:1px solid #d5e4f3;border-radius:22px;padding:26px}.hero-box>h2{font-size:1rem;letter-spacing:0;margin:0 0 20px}.search-path{display:flex;align-items:center;gap:12px;border:1px solid var(--line);padding:13px 14px;border-radius:9px;margin:10px 0}.search-path b{font-size:12px;min-width:31px;color:var(--blue)}.search-path span{font-size:13px;line-height:1.4}.hero-box .micro{margin:20px 0 0}.page-section{padding:70px 0}.page-section.light{background:var(--bg);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:18px;margin-bottom:20px}.section-heading h2{margin:0 0 5px}.section-heading p{color:var(--muted);margin:0}.filters{display:flex;flex-wrap:wrap;gap:9px;margin-bottom:20px}.filter{border:1px solid var(--line);background:white;padding:9px 14px;border-radius:50px;font-size:12px;font-weight:800;color:var(--ink)}.filter.active{background:var(--ink);color:white;border-color:var(--ink)}.filter:hover:not(.active){background:var(--soft)}.searchbox{width:100%;padding:13px 17px;border:1px solid #d1dbe5;border-radius:11px;margin:0 0 18px;color:var(--ink)}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card-link{display:flex;flex-direction:column;gap:11px;border:1px solid var(--line);background:white;border-radius:15px;padding:22px;color:var(--ink);text-decoration:none;transition:box-shadow .17s,transform .17s,border-color .17s}.card-link:hover{color:var(--ink);border-color:#a6c5e9;box-shadow:0 16px 30px #092d5110;transform:translateY(-2px)}.card-link h3{margin:0;font-size:17px;letter-spacing:-.028em}.card-link p{margin:0;color:var(--muted);font-size:13px;flex:1}.card-link .more{font-size:12px;font-weight:800;color:var(--blue)}.count{color:var(--muted);font-size:12px;margin:0 0 16px}.faq-list{border-top:1px solid var(--line)}
.article-layout{display:grid;grid-template-columns:minmax(0,800px) 265px;gap:65px;padding-top:42px;padding-bottom:92px;align-items:start}.breadcrumbs{font-size:12px;color:var(--muted);margin:0 0 38px}.breadcrumbs a{text-decoration:none;color:var(--muted)}.breadcrumbs a:hover{color:var(--blue)}.breadcrumbs span{color:#9caebb;margin:0 8px}.article-head{border-bottom:1px solid var(--line);padding-bottom:28px;margin-bottom:29px}.article-head h1{font-size:clamp(2.05rem,3.5vw,3.2rem)}.article-head .lead{margin:0}.article-head .meta{color:var(--muted);font-size:12px;margin-top:18px}.article-body p,.article-body li{color:#32495c}.article-body .answer{background:#edf5ff;border-left:4px solid var(--blue);border-radius:0 13px 13px 0;padding:23px 25px;margin:0 0 32px}.article-body .answer h2{font-size:16px;letter-spacing:0;margin:0 0 10px;color:#174678}.article-body .answer p{font-size:18px;line-height:1.65;color:#17324c;margin:0}.article-body h2{scroll-margin-top:100px}.article-body h3{scroll-margin-top:90px}.takeaways{border:1px solid var(--line);border-radius:14px;padding:22px 26px;margin:0 0 32px}.takeaways h2{margin:0 0 12px;font-size:17px}.takeaways ul{margin:0;padding-left:20px}.takeaways li{margin:7px 0;font-size:14px}.article-body .module{margin-top:34px}.article-body .module>h2:first-child{margin-top:0}.mini-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:22px 0}.mini-card{border:1px solid var(--line);background:#fbfdff;border-radius:12px;padding:17px}.mini-card strong{display:block;font-size:15px}.mini-card p{font-size:13px;color:var(--muted);margin:8px 0 0}.stepstrip{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:24px 0}.stepstrip.four{grid-template-columns:repeat(4,1fr)}.stepstrip>div{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:18px 13px}.stepstrip b{font-size:12px;color:var(--blue);display:block;margin-bottom:7px}.stepstrip strong{font-size:13px;display:block}.stepstrip span{font-size:11px;color:var(--muted);line-height:1.5;display:block;margin-top:7px}.table-scroll{overflow-x:auto;margin:25px 0}table{width:100%;border-collapse:collapse;font-size:13px;line-height:1.55}td,th{text-align:left;padding:13px 12px;border-bottom:1px solid var(--line);vertical-align:top}th{background:#edf5ff;font-weight:800;color:#244b70;white-space:nowrap}td{color:#354b5c;min-width:100px}tr:nth-child(even) td{background:#fbfcfd}tr.total td{font-weight:800;color:var(--ink)}.article-body code{background:#f0f4f8;border-radius:4px;padding:2px 5px;font-size:.91em}.class-grid{display:grid;grid-template-columns:repeat(9,1fr);gap:6px;margin:25px 0}.class-grid span{background:#eaf3ff;border-radius:6px;text-align:center;padding:10px 3px;font-size:12px;color:#165b9f;font-weight:800}.mathline{display:flex;align-items:center;gap:10px;background:#f2f7fd;padding:16px;border-radius:12px;margin:24px 0;flex-wrap:wrap}.mathline>div{flex:1;min-width:100px}.mathline small{display:block;font-size:11px;color:var(--muted)}.mathline strong{font-size:19px}.mathline>span{color:var(--blue);font-size:18px}.notice{border:1px solid #d7e4f0;background:#f7faff;color:#304a61;border-radius:11px;padding:17px 19px;font-size:13px;margin:24px 0}.notice strong{color:var(--ink)}.checklist{border:1px solid var(--line);background:#fbfcfe;border-radius:14px;padding:23px 27px;margin:30px 0}.checklist h2{margin:0 0 13px}.checklist ul{list-style:none;padding:0;margin:0}.checklist li{display:flex;gap:10px;font-size:14px;margin:12px 0}.checklist li:before{content:'✓';flex:none;color:var(--green);font-weight:800}.timeline{counter-reset:timeline;list-style:none;margin:25px 0;padding:0 0 0 24px;border-left:2px solid #c7ddf4}.timeline li{position:relative;padding-left:15px;margin:0 0 18px}.timeline li:before{counter-increment:timeline;content:counter(timeline);position:absolute;left:-37px;top:0;background:var(--blue);color:#fff;border-radius:50%;width:24px;height:24px;display:grid;place-items:center;font-size:11px;font-weight:800}.timeline p{margin:5px 0 0;font-size:14px}.academy-excerpt{background:#f8fafc;border:1px solid #e1e9f1;padding:23px 26px;border-radius:14px;margin:25px 0}.academy-excerpt h2{font-size:20px;margin:0 0 10px}.academy-excerpt p,.academy-excerpt li{font-size:14px}.academy-excerpt p:last-child{margin-bottom:0}.academy-excerpt .lesson-text h3{font-size:15px;letter-spacing:0}.academy-excerpt .lesson-text table{font-size:12px}.academy-excerpt a{overflow-wrap:anywhere}.academy-excerpt .broker-math{display:flex;justify-content:space-between;gap:15px}.academy-excerpt .broker-math div{flex:1}.academy-excerpt .broker-math b{display:block}.academy-excerpt .broker-math small{display:block;font-size:11px;color:var(--muted)}.faq-item{border-bottom:1px solid var(--line);padding:14px 0}.faq-item h3{font-size:16px;letter-spacing:-.02em;margin:0 0 7px}.faq-item p{font-size:14px;margin:0 0 5px}.refs{padding:0 0 0 20px;font-size:13px}.refs li{margin:7px 0}.related{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:22px 0}.related a{border:1px solid var(--line);padding:15px;border-radius:11px;text-decoration:none;font-size:13px;color:var(--ink);font-weight:800;display:flex;justify-content:space-between;gap:10px;align-items:center}.related a:hover{border-color:#adc8e8;background:var(--soft)}.callout-cta{border-radius:17px;background:#102840;color:white;padding:30px;margin:48px 0 10px}.callout-cta h2{color:white;margin:0 0 10px}.callout-cta p{color:#c7d9e9}.callout-cta .btn{background:#fff;color:#12395e}.callout-cta .btn:hover{background:#eaf3ff}.article-sidebar{position:sticky;top:100px}.sticky-card{border:1px solid var(--line);border-radius:14px;padding:20px;margin-bottom:17px}.sticky-card h3{margin:0 0 12px;font-size:14px;letter-spacing:-.015em}.toc{display:flex;flex-direction:column;gap:11px}.toc a{font-size:12px;color:#51687e;text-decoration:none;line-height:1.5}.toc a:hover{color:var(--blue)}.sidebar-cta{border:1px solid #cbdff3;background:#edf6ff}.sidebar-cta p{font-size:12px;color:var(--muted)}.sidebar-cta .btn{display:flex;font-size:12px}
.interactive-tool{padding:22px;border:1px solid #cce1f6;background:#f7fbff;border-radius:16px;margin:18px 0 26px}.tool-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.tool-grid label{font-weight:700;font-size:13px;color:#375a78}.tool-grid label small{font-weight:500;color:var(--muted)}.tool-grid input{display:block;width:100%;padding:12px;background:#fff;border:1px solid #cddceb;border-radius:9px;margin-top:6px;outline:none}.tool-outputs{display:grid;grid-template-columns:repeat(2,1fr);gap:9px;margin:18px 0}.tool-outputs.thirds{grid-template-columns:repeat(3,1fr)}.tool-outputs>div{background:white;border:1px solid #e0ebf5;border-radius:10px;padding:16px}.tool-outputs small{font-size:11px;color:var(--muted);display:block}.tool-outputs strong{font-size:24px;display:block;letter-spacing:-.035em}.tool-error{min-height:20px;color:#ad3c31;font-size:12px}.micro{color:var(--muted);font-size:11px;line-height:1.5}
.request-hero{background:linear-gradient(120deg,#edf5ff,#fff);padding:65px 0 48px;border-bottom:1px solid var(--line)}.request-hero h1{max-width:850px}.formlayout{display:grid;grid-template-columns:minmax(0,800px) 270px;gap:55px;padding:45px 24px 80px}.request-form fieldset{border:1px solid var(--line);padding:22px;border-radius:15px;margin:0 0 18px}.request-form legend{font:800 18px Manrope,system-ui;padding:0 8px;letter-spacing:-.025em}.form-fields{display:grid;grid-template-columns:repeat(2,1fr);gap:15px}.f-field{display:flex;flex-direction:column;gap:6px}.f-field.full{grid-column:1/-1}.f-field label{font-size:12px;font-weight:800;color:#41576a}.f-field input,.f-field select,.f-field textarea{padding:11px 12px;border:1px solid #cad6e3;border-radius:8px;background:#fff;color:var(--ink);width:100%;outline:none;font-size:14px}.f-field textarea{resize:vertical;min-height:95px}.f-field small{color:var(--muted)}.form-fields .form-subhead{grid-column:1/-1;font-size:12px;letter-spacing:.08em;font-weight:800;text-transform:uppercase;color:#2470be;margin-top:5px}.flag-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-top:10px}.flag-grid label{display:flex;gap:8px;align-items:flex-start;font-size:13px;line-height:1.5;color:#364f65}.flag-grid input{margin-top:4px}.piece{border:1px solid var(--line);background:#fcfdff;border-radius:11px;padding:16px;margin:13px 0}.piece-head{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:14px}.piece-head strong{font-size:14px}.remove-piece{font-size:12px;border:0;background:none;color:#ab4039}.form-button-row{display:flex;gap:10px;flex-wrap:wrap}.form-status{padding:14px 16px;border:1px solid #cad6e3;background:#f8fbff;border-radius:10px;font-size:13px;color:#34546c;margin-top:18px}.form-status:empty{display:none}.privacy-note{color:var(--muted);font-size:12px}.footer{background:#10243a;color:#d5e3f0;padding:45px 0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.footer a{color:#cce0f4;text-decoration:none;font-size:13px}.footer a:hover{color:white}.footer h3{color:white;letter-spacing:0;font:800 14px 'DM Sans',sans-serif;margin:0 0 14px}.footer p{color:#b2c3d2;font-size:12px}.footer .footer-links{display:flex;flex-direction:column;gap:10px}.footer .fine{font-size:11px;color:#95a9bb;margin-top:25px}
@media(max-width:1030px){.article-layout{grid-template-columns:minmax(0,1fr);gap:30px}.article-sidebar{display:none}.homehero-grid{grid-template-columns:1fr;gap:30px}.hero-box{max-width:660px}.cards{grid-template-columns:repeat(2,1fr)}.formlayout{grid-template-columns:1fr}.form-help{display:none}}
@media(max-width:680px){.topbar-inner{height:64px;padding:0 15px}.brand{min-width:0}.brand-icon{width:37px;height:37px}.brand-name{font-size:12px}.brand-tag{font-size:8px}.toplinks{display:none;position:absolute;top:64px;left:0;right:0;background:white;border-bottom:1px solid var(--line);padding:18px 20px;box-shadow:0 12px 25px #142d4b18;flex-direction:column;align-items:stretch;gap:15px}.toplinks.open{display:flex}.mobile-menu{display:block;margin-left:auto}.container{padding:0 18px}.homehero{padding:48px 0}.hero-metrics{gap:14px}.hero-metrics>div{padding-right:14px}.hero-metrics b{font-size:20px}.page-section{padding:50px 0}.cards{grid-template-columns:1fr}.article-layout{padding-top:28px}.breadcrumbs{margin-bottom:25px}.article-head h1{font-size:2.1rem}.article-body .answer{padding:18px}.article-body .answer p{font-size:16px}.mini-grid{grid-template-columns:1fr}.stepstrip,.stepstrip.four{grid-template-columns:1fr}.class-grid{grid-template-columns:repeat(6,1fr)}.mathline>div{min-width:120px}.related{grid-template-columns:1fr}.tool-grid{grid-template-columns:1fr 1fr}.tool-outputs.thirds{grid-template-columns:1fr}.tool-outputs strong{font-size:20px}.form-fields{grid-template-columns:1fr}.flag-grid{grid-template-columns:1fr}.request-form fieldset{padding:15px}.footer-grid{grid-template-columns:1fr;gap:25px}}
@media print{.topbar,.footer,.callout-cta,.sidebar-cta,.article-sidebar,.request-form button,.mobile-menu{display:none!important}.article-layout{display:block;max-width:100%;padding:0}.article-head{margin:10px 0}.article-body h2{break-after:avoid}.interactive-tool{border:1px solid #888}.footer{display:none}.container{max-width:100%}}