.skip-link{position:fixed;top:-100px;left:20px;background:#ffd600;color:#122449;padding:14px;z-index:100}.skip-link:focus{top:12px}.breadcrumbs{display:flex;gap:12px;align-items:center;padding:25px 0 20px;font-size:12px;color:#66748d}.breadcrumbs a{text-decoration:underline;text-underline-offset:3px}.page-hero{border-radius:27px;overflow:hidden;background:#2368bd;color:white;display:grid;grid-template-columns:1.05fr 1fr;align-items:stretch;min-height:440px}.page-hero-copy{padding:44px;display:flex;flex-direction:column;align-items:start;justify-content:center}.page-hero h1{color:inherit;font-size:clamp(35px,4vw,57px);line-height:1.08;font-weight:800;max-width:750px}.page-hero .kicker{color:#fff2a8}.page-hero-copy>p:not(.kicker){font-size:18px;line-height:1.55;max-width:710px;margin-top:22px}.page-hero .leaf-button{margin-top:27px;font-size:17px}.page-hero figure{margin:0;position:relative;min-height:380px}.page-hero img{height:100%;width:100%;object-fit:cover;position:absolute;inset:0}.page-hero figcaption{position:absolute;bottom:0;left:0;right:0;padding:7px 12px;font-size:10px;color:#fff;background:#122449c9}.tone-yellow{background:#ffd600;color:#122449}.tone-yellow .kicker,.tone-gold .kicker{color:#122449}.tone-yellow .leaf-button,.tone-gold .leaf-button{background:#122449;color:white}.tone-gold{background:#f0b729;color:#122449}.tone-navy{background:#122449;color:white}.page-hero.text-hero{display:block;min-height:0}.text-hero .page-hero-copy{padding:45px 48px}.page-facts{display:flex;justify-content:space-between;gap:20px;padding:24px 18px;border-bottom:1px solid #dce3ef;color:#122449;font-weight:700;font-size:15px}.page-facts span{display:flex;align-items:center;gap:12px}.page-facts i{font-style:normal;color:#2368bd;font-size:21px}.article-layout{display:grid;grid-template-columns:250px minmax(0,850px);gap:55px;justify-content:space-between;margin-top:45px}.page-toc{align-self:start;position:sticky;top:170px}.page-toc>.kicker{color:#65728a}.page-toc nav{display:flex;flex-direction:column;align-items:stretch;gap:0;background:none;color:#122449;min-height:0}.page-toc nav>a{border:0;border-bottom:1px solid #e1e7f0;padding:12px 0;font-size:13px;line-height:1.4;white-space:normal}.page-toc nav>a:hover{color:#164aa3}.toc-policy{display:block;background:#fff2a8;border-radius:13px;padding:18px;margin-top:25px;font-size:14px;line-height:1.5;color:#122449}.page-article>section{margin-bottom:35px;scroll-margin-top:175px}.page-article h2{font-size:29px;color:#122449;font-weight:800;margin-bottom:16px}.page-article p{font-size:17px;line-height:1.8;color:#4e607a}.page-checklist{padding:28px;background:#f3f6fc;border-radius:20px}.page-checklist ul{list-style:none;padding:0;margin:0;display:grid;gap:13px}.page-checklist li{display:flex;gap:12px;color:#122449;font-size:16px}.page-checklist li:before{content:'✓';color:#2368bd;font-weight:800}.page-faq details{border:1px solid #d2ddeb;border-radius:12px;overflow:hidden;margin-top:12px}.page-faq summary{list-style:none;display:flex;justify-content:space-between;align-items:center;gap:15px;padding:18px 20px;cursor:pointer;font-size:18px;color:#122449;font-weight:800;line-height:1.35}.page-faq summary::-webkit-details-marker{display:none}.page-faq summary:after{content:'+';background:#ffd600;border-radius:7px;width:30px;height:30px;flex-shrink:0;display:grid;place-items:center;font-size:23px}.page-faq details[open]{background:#fff8d0}.page-faq details[open] summary:after{content:'−'}.page-faq details>p{padding:0 20px 20px;font-size:15px;line-height:1.65}.page-sources{border-top:1px solid #dce3ef;padding-top:25px}.page-sources h2{font-size:20px}.page-sources p,.page-sources li{font-size:12px;line-height:1.7}.page-sources a{color:#164aa3;text-decoration:underline}.page-sources ul{padding-left:18px}.price-comparison{background:#122449;color:white;padding:28px;border-radius:18px}.price-comparison>div{display:grid;grid-template-columns:1fr 1fr;gap:25px;margin-bottom:20px}.price-comparison strong{display:block;font-size:35px;color:#ffd600;line-height:1.3}.price-comparison s{font-size:27px;color:#b5c5df}.price-comparison .kicker,.price-comparison p{color:#d9e3f1;font-size:12px}.price-comparison>b{display:block;background:#ffd600;color:#122449;padding:8px 12px;border-radius:5px;margin-bottom:13px}.page-related{margin-top:25px;margin-bottom:45px}.page-related>.kicker{color:#2368bd}.page-related h2{font-size:32px;color:#122449}.page-related>div{display:grid;grid-template-columns:repeat(3,1fr);gap:17px;margin-top:24px}.page-related a{display:flex;justify-content:space-between;align-items:center;gap:15px;border:1px solid #d5deeb;border-radius:15px;padding:25px;color:#122449;font-size:20px;line-height:1.3;font-weight:800}.page-related a:hover{background:#fff2a8}.page-related b{background:#ffd600;border-radius:7px;padding:1px 10px;font-size:25px}.page-final-cta{background:#2368bd;color:white;border-radius:24px;padding:34px;display:flex;justify-content:space-between;align-items:center;gap:25px;margin-bottom:50px}.page-final-cta h2{color:#fff2a8;font-size:31px}.page-final-cta p:not(.kicker){margin-top:12px}.page-final-cta .leaf-button{flex-shrink:0}.content-page .site-header.scrolled{box-shadow:0 2px 15px #12244910}
@media(max-width:1000px){.page-hero-copy{padding:32px}.page-hero h1{font-size:39px}.page-hero-copy>p:not(.kicker){font-size:16px}.article-layout{grid-template-columns:200px minmax(0,1fr);gap:30px}.page-related a{font-size:18px;padding:20px}.page-facts{font-size:13px}}
@media(max-width:750px){.page-hero{grid-template-columns:1fr}.page-hero-copy{padding:30px 25px}.page-hero h1{font-size:37px}.page-hero figure{min-height:290px}.text-hero .page-hero-copy{padding:30px 25px}.article-layout{display:block;margin-top:30px}.page-toc{position:static;margin-bottom:32px;padding:20px;background:#f4f7fc;border-radius:15px}.page-toc nav{display:grid;grid-template-columns:1fr 1fr;gap:0 18px}.toc-policy{display:none}.page-facts{flex-direction:column;gap:12px;padding:22px 8px}.page-article h2{font-size:26px}.page-article p{font-size:16px}.page-related>div{grid-template-columns:1fr}.page-final-cta{align-items:start;flex-direction:column;padding:26px}.page-final-cta h2{font-size:28px}.breadcrumbs{padding-top:19px;font-size:11px}.page-toc nav>a{font-size:12px}.page-hero figure{min-height:250px}.page-hero figcaption{font-size:9px}}