:root{
  --ink:#172236;--muted:#5a6473;--paper:#ffffff;--wash:#f4f1ea;--navy:#102b49;
  --navy-2:#183f66;--blue:#236f9e;--gold:#e9b44c;--gold-soft:#fff7e4;--line:#dce3e8;
  --teal:#2b746b;--teal-soft:#edf7f4;--focus:#ffd166;--shadow:0 18px 55px rgba(18,39,60,.10)
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:82px}
body{margin:0;background:var(--wash);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.68}
a{color:#126093;text-underline-offset:3px}
a:hover{color:#073f64}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible,[tabindex="0"]:focus-visible{outline:3px solid var(--focus);outline-offset:3px}
.wrap{width:min(1180px,calc(100% - 34px));margin:auto}
.skip-link{position:fixed;left:16px;top:-100px;z-index:1000;background:#fff;color:#111;padding:10px 14px;border-radius:6px;box-shadow:var(--shadow)}
.skip-link:focus{top:12px}
.site-nav{position:sticky;top:0;z-index:30;background:rgba(16,43,73,.97);backdrop-filter:blur(10px);border-bottom:1px solid rgba(255,255,255,.14)}
.nav-inner{min-height:62px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{color:#fff;text-decoration:none;font-family:Georgia,serif;font-weight:800;font-size:1.25rem;letter-spacing:.08em}
.nav-links{display:flex;align-items:center;gap:22px}
.nav-links a{color:#dce9f3;text-decoration:none;font-size:.92rem;font-weight:700}
.nav-links a:hover{color:#fff}
.nav-links .nav-cta{background:var(--gold);color:#172236;padding:8px 12px;border-radius:6px}
.hero{background:radial-gradient(circle at 86% 18%,#2d618a 0,#153b60 37%,#0b223c 100%);color:#fff;padding:68px 0 58px}
.hero-grid{display:grid;grid-template-columns:minmax(0,1fr) 295px;gap:52px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:.76rem;font-weight:850;color:var(--gold);margin:0 0 12px}
.hero h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(2.8rem,6vw,5.35rem);line-height:.98;margin:0;letter-spacing:-.038em;max-width:850px}
.hero h1 span{display:block;font-family:Inter,ui-sans-serif,system-ui,sans-serif;font-size:.34em;letter-spacing:.1em;margin-top:13px;color:#bdd8eb}
.dek{font-size:1.21rem;max-width:760px;color:#e1edf5;margin:24px 0 27px;line-height:1.55}
.deadline{max-width:760px;margin:-8px 0 25px;padding:12px 14px;border-left:4px solid var(--gold);background:rgba(255,255,255,.09);border-radius:0 8px 8px 0;color:#eef6fb;font-size:.92rem;line-height:1.5}
.actions{display:flex;align-items:center;gap:12px;flex-wrap:wrap}
.button{display:inline-flex;align-items:center;justify-content:center;border-radius:7px;padding:12px 18px;text-decoration:none;font-weight:800;border:1px solid transparent;cursor:pointer;font:inherit}
.button.primary{background:var(--gold);color:#172236}.button.primary:hover{background:#ffd06d;color:#172236}
.button.secondary{border-color:#9cc2dc;color:#fff;background:transparent}.button.secondary:hover{background:rgba(255,255,255,.09);color:#fff}
.text-link{color:#e5eff6;font-weight:750;padding:11px 5px}.text-link:hover{color:#fff}
.stat-card{background:rgba(255,255,255,.10);padding:25px;border:1px solid rgba(255,255,255,.22);border-radius:14px;backdrop-filter:blur(8px)}
.stat-card .stat-label{font-size:.76rem;text-transform:uppercase;letter-spacing:.11em;font-weight:850;color:var(--gold);margin:0 0 14px}
.stat-card strong{font-size:2rem;line-height:1.1;display:block}.stat-card span{color:#dce9f2;display:block;line-height:1.4;margin-top:4px}.stat-card hr{border:0;border-top:1px solid rgba(255,255,255,.22);margin:19px 0}.stat-card a{display:inline-block;color:#fff;margin-top:18px;font-size:.88rem}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 380px;gap:30px;align-items:start;padding:42px 0 72px}
.paper,.sign-panel .sticky{background:var(--paper);border:1px solid var(--line);box-shadow:var(--shadow);border-radius:13px}
.paper{padding:clamp(28px,5vw,61px)}
.paper p{margin:0 0 1.1rem}.paper ul,.paper ol{padding-left:1.3rem}.paper li{margin:.42rem 0}
.paper h2{font-family:Georgia,"Times New Roman",serif;font-size:1.72rem;line-height:1.2;color:var(--navy);margin:2.65rem 0 .85rem;padding-top:.1rem}
.paper h3{font-size:1.15rem;color:var(--navy);margin:2rem 0 .65rem}
.meta{font-size:.83rem;letter-spacing:.025em;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:17px;margin-bottom:26px!important}
.lede{font-family:Georgia,"Times New Roman",serif;font-size:1.21rem;line-height:1.62;color:#24354b}
.welcome{scroll-margin-top:85px}
.quick-read{margin:30px 0 35px;border:1px solid #c9d8df;border-left:5px solid var(--teal);background:var(--teal-soft);padding:22px 24px;border-radius:8px}
.quick-read h2{margin:0 0 14px;padding:0;font-size:1.3rem}.quick-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.quick-grid strong{display:block;color:var(--navy);margin-bottom:6px}.quick-grid p{font-size:.92rem;margin:0;color:#405163}
blockquote{margin:26px 0;padding:19px 22px;border-left:5px solid var(--gold);background:var(--gold-soft);color:#334154;font-family:Georgia,"Times New Roman",serif;font-size:1.12rem}
.table-scroll{overflow-x:auto;margin:17px 0 20px;border:1px solid var(--line);border-radius:8px}
table{width:100%;border-collapse:collapse;min-width:610px;font-size:.92rem}th{background:#eaf0f4;color:var(--navy);text-align:left;font-size:.78rem;text-transform:uppercase;letter-spacing:.045em}th,td{padding:13px 14px;border-bottom:1px solid var(--line);vertical-align:top}tbody tr:last-child td{border-bottom:0}.total td{font-weight:850;background:#f7f2e6}
.formula{margin:22px 0 16px;padding:19px;border-radius:8px;background:var(--navy);color:#fff;text-align:center;font-family:Georgia,"Times New Roman",serif;font-size:clamp(1.05rem,3vw,1.42rem);letter-spacing:.025em}
.definitions{display:grid;grid-template-columns:repeat(2,1fr);gap:9px 22px;margin:0 0 18px}.definitions div{display:grid;grid-template-columns:52px 1fr;gap:7px}.definitions dt{font-weight:850;color:var(--navy)}.definitions dd{margin:0;color:#455466}
.guardrail{background:#f3f6f8;border:1px solid #d5dfe5;border-radius:8px;padding:16px 18px;margin:21px 0;color:#334255}
.requested-action{background:var(--teal-soft);border:1px solid #c9d8df;border-left:5px solid var(--teal);border-radius:8px;padding:17px 19px;margin:24px 0}.requested-action h3{margin:0 0 7px}.requested-action p{margin:0}
.formula-result{font-size:.9rem;color:#405163;margin-top:-4px!important}.swipe-hint{display:none;color:var(--muted);font-size:.78rem;margin:-12px 0 18px!important}
.reasons,.steps{counter-reset:item;list-style:none;padding:0!important}.reasons li,.steps li{position:relative;padding:15px 16px 15px 52px;margin:10px 0;border:1px solid var(--line);border-radius:8px;background:#fbfcfd}.reasons li:before,.steps li:before{counter-increment:item;content:counter(item);position:absolute;left:15px;top:14px;width:25px;height:25px;display:grid;place-items:center;border-radius:50%;background:var(--navy);color:#fff;font-weight:850;font-size:.78rem}
details{border-top:1px solid var(--line);padding:0}details:last-of-type{border-bottom:1px solid var(--line)}summary{cursor:pointer;padding:15px 4px;font-weight:800;color:var(--navy)}details p{padding:0 4px 14px;color:#3d4c5d}
.closing{background:#f7f9fa;border:1px solid var(--line);border-radius:9px;padding:4px 24px 22px;margin-top:36px}.signature{margin-top:25px!important;padding-top:18px;border-top:1px solid var(--line)}
.sources{font-size:.86rem;color:var(--muted)}.sources h2{font-size:1.3rem}.sources p{word-break:break-word}
.sign-panel .sticky{position:sticky;top:84px;padding:27px}.sign-panel h2{margin:0 0 7px;font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-size:1.65rem}.sign-panel p{color:var(--muted)}
.sign-panel .deadline-card{color:#405166;background:var(--gold-soft);border:1px solid #edd7a5;border-radius:8px;padding:11px 12px;font-size:.82rem;line-height:1.45}
form{display:grid;gap:15px;margin-top:21px}label,legend{font-size:.89rem;font-weight:750;color:#344255}input,select,textarea{display:block;width:100%;margin-top:5px;padding:10px 11px;border:1px solid #bfc9d1;border-radius:6px;background:#fff;color:var(--ink);font:inherit}textarea{resize:vertical}fieldset{border:1px solid var(--line);border-radius:7px;padding:12px 13px;display:grid;gap:8px}legend{padding:0 5px}legend span,label span{font-weight:500;color:var(--muted)}.check{display:flex;align-items:flex-start;gap:9px;font-weight:570;line-height:1.35}.check input{width:auto;margin:3px 0 0;flex:0 0 auto}.consent{background:#f5f7f8;padding:11px;border-radius:6px}.wide{width:100%;border:0}.fine{font-size:.78rem;line-height:1.45}.warning-note{font-size:.78rem!important;line-height:1.5;color:#5d4520!important;background:var(--gold-soft);border:1px solid #edd7a5;border-radius:7px;padding:10px 12px}.trap{position:absolute;left:-10000px}
.sign-panel .optional-details{border:1px solid var(--line);border-radius:7px;background:#fbfcfd}.sign-panel .optional-details summary{padding:12px 13px;color:var(--navy);font-size:.89rem}.optional-fields{display:grid;gap:15px;padding:2px 13px 14px}
footer{background:#0c2239;color:#cbd8e3;padding:27px 0}.footer-grid{display:flex;justify-content:space-between;gap:28px;align-items:center}.footer-grid p{margin:0;font-size:.82rem}.footer-grid a{color:#fff}
.print-title{display:none}
@media(max-width:960px){.nav-links a:not(.nav-cta){display:none}.hero-grid,.layout{grid-template-columns:1fr}.stat-card{max-width:620px}.sign-panel .sticky{position:static}.layout{padding-top:28px}.quick-grid{grid-template-columns:1fr}.footer-grid{display:block}.footer-grid p+p{margin-top:12px}}
@media(max-width:600px){html,body{max-width:100%;overflow-x:hidden}.wrap{width:min(100% - 22px,1180px)}.nav-inner{width:100%;padding:0 11px;gap:10px}.nav-links{gap:0;min-width:0}.nav-links .nav-cta{white-space:nowrap;padding:7px 9px}.hero{padding:48px 0 42px}.hero-grid,.layout,.paper,.sign-panel{min-width:0}.hero h1{font-size:2.75rem;overflow-wrap:anywhere}.eyebrow,.dek{overflow-wrap:anywhere}.dek{font-size:1.08rem}.paper{padding:25px 19px}.sign-panel .sticky{padding:23px 18px}.nav-inner{min-height:56px}.nav-cta{font-size:.82rem}.definitions{grid-template-columns:1fr}.paper h2{font-size:1.48rem}.actions{align-items:stretch}.actions .button{width:100%}.text-link{text-align:center}.swipe-hint{display:block}}
@media print{
  @page{size:Letter;margin:.78in .82in .76in}
  @page:first{margin:.85in}
  *{box-shadow:none!important}
  body{background:#fff;color:#172236;font-family:Arial,sans-serif;font-size:9.5pt;line-height:1.36}
  .site-nav,.hero,.sign-panel,footer,.skip-link,.swipe-hint{display:none!important}
  .wrap,.layout{width:auto;margin:0;padding:0;display:block}
  .paper{border:0;border-radius:0;padding:0}
  .print-title{display:flex;min-height:8.3in;flex-direction:column;justify-content:center;text-align:center;break-after:page;page-break-after:always}
  .print-title p:first-child{text-transform:uppercase;letter-spacing:.13em;font-size:9pt;color:#486073}
  .print-title h1{font-family:Georgia,"Times New Roman",serif;font-size:29pt;line-height:1.05;color:#102b49;margin:18px 0}
  .print-title p:last-child{font-family:Georgia,"Times New Roman",serif;font-size:14pt;color:#526273}
  .meta{font-size:8.5pt;margin-bottom:18px!important}
  .lede{font-size:11.2pt;line-height:1.48}
  .paper h2{font-size:15pt;margin:18pt 0 6pt;break-after:avoid;page-break-after:avoid;break-inside:avoid}
  .paper h3{font-size:11.5pt;margin:14pt 0 5pt;break-after:avoid;page-break-after:avoid}
  p,li{orphans:3;widows:3}
  blockquote,.guardrail,.quick-read,.formula,table,details,.reasons li,.steps li{break-inside:avoid;page-break-inside:avoid}
  .quick-read{margin:16pt 0;padding:12pt}.quick-read h2{margin-top:0}.quick-grid{grid-template-columns:repeat(3,1fr);gap:12pt}.quick-grid p{font-size:8.2pt}
  blockquote{font-size:10.5pt;padding:12pt;margin:14pt 0}
  .table-scroll{overflow:visible;margin:10pt 0 12pt}table{min-width:0;font-size:8.1pt}th,td{padding:7pt}
  .formula{font-size:13pt;padding:12pt;margin:12pt 0}
  .definitions{font-size:8.5pt;margin-bottom:10pt}
  .guardrail{padding:10pt;font-size:8.6pt}
  .reasons li,.steps li{padding:8pt 8pt 8pt 35pt;margin:5pt 0}.reasons li:before,.steps li:before{left:8pt;top:8pt;width:19pt;height:19pt}
  #scorecard{break-before:page;page-break-before:always}
  .example{break-before:page;page-break-before:always}
  .closing{break-before:page;page-break-before:always;margin-top:0;padding:0;border:0;background:#fff}
  details{padding:0}summary{padding:4pt 0}summary::marker{content:""}details p{display:block!important;padding:0 0 4pt}
  .closing{background:#fff}.closing .signature{margin-top:10pt!important;padding-top:9pt}.sources{font-size:7.6pt}.sources h2{font-size:11pt;margin:7pt 0 5pt}.sources p{margin:0 0 4pt!important;orphans:1;widows:1;line-height:1.28}
  a{color:inherit;text-decoration:none}
}