:root{--ink:#152236;--muted:#586779;--blue:#163bd2;--blue-dark:#102c9e;--paper:#fff;--tint:#f1f5fa;--line:#dbe2eb;--radius:8px;--wrap:1180px;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--paper);font-size:16px;line-height:1.65}*{box-sizing:border-box}body{margin:0}h1,h2,h3,p,figure{margin:0}h1,h2,h3{line-height:1.12;letter-spacing:-.035em}h1{font-size:clamp(2.5rem,5vw,4.25rem);font-weight:750}h2{font-size:clamp(1.85rem,3vw,2.6rem)}h3{font-size:1.5rem}p+p{margin-top:1rem}a{color:var(--blue);text-decoration-thickness:1px;text-underline-offset:4px}a:hover{color:var(--blue-dark)}button,input,select{font:inherit}button,a,input,select,summary{touch-action:manipulation}button{cursor:pointer}button:disabled{cursor:default}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #e29a09;outline-offset:4px}button,input,select{min-height:44px}img{display:block;max-width:100%;height:auto}.wrap{width:min(calc(100% - 64px),var(--wrap));margin-inline:auto}.skip-link{position:absolute;top:-100px;left:20px;z-index:10;padding:10px 20px;background:var(--ink);color:white}.skip-link:focus{top:8px}.site-header{border-bottom:1px solid var(--line)}.header-inner{min-height:100px;display:flex;align-items:center;justify-content:space-between;gap:32px}.brand{display:flex;align-items:center;gap:12px;color:var(--ink);font-size:1rem;line-height:1.12;text-decoration:none}.brand strong{font-size:1.3rem}.brand-mark{display:grid;place-items:center;position:relative;width:45px;height:45px;background:var(--blue);color:white;border-radius:9px;font-size:2.2rem;font-weight:700}.brand-mark span{position:absolute;right:3px;top:1px;font-size:.8rem}.header-inner nav{display:flex;gap:30px;align-items:center}.header-inner nav a{font-weight:600;color:var(--ink);text-decoration:none;font-size:.95rem;padding-block:10px}.header-inner nav a[aria-current]{color:var(--blue)}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.75rem;font-weight:700;color:var(--muted);line-height:1.7}.eyebrow span{margin-inline:7px;color:#8994a2}.lede{font-size:1.18rem;line-height:1.65;color:var(--muted);max-width:650px}.button{display:inline-flex;gap:26px;align-items:center;justify-content:center;padding:15px 22px;min-height:52px;background:var(--blue);border:1px solid var(--blue);color:white;text-decoration:none;font-size:1rem;font-weight:600;border-radius:var(--radius);line-height:1.4}.button:hover{background:var(--blue-dark);color:white}.button-small{font-size:.9rem;padding:12px 16px;gap:12px;min-height:44px}.button-secondary{background:white;color:var(--ink);border-color:var(--line)}.button-secondary:hover{color:var(--ink);background:var(--tint)}.text-link{font-size:.95rem;line-height:1.5;font-weight:700;text-decoration:none;color:var(--blue)}.home-intro{display:grid;grid-template-columns:.9fr 1.1fr;gap:65px;align-items:center;padding-top:58px;padding-bottom:62px}.intro-copy h1{font-size:clamp(3.5rem,6.3vw,5.4rem);letter-spacing:-.06em;margin-top:17px;margin-bottom:23px;line-height:1}.intro-copy .lede{font-size:1.08rem;max-width:390px}.intro-copy .button{margin-top:28px}.hero-photo{height:430px;border-radius:3px;position:relative;overflow:hidden;background:#007cb9}.hero-photo img{width:100%;height:100%;object-fit:cover;object-position:50% 68%}.hero-photo figcaption{position:absolute;left:0;right:0;bottom:0;display:flex;justify-content:space-between;gap:12px;padding:35px 22px 17px;background:linear-gradient(transparent,rgba(0,0,0,.78));font-size:.7rem;font-weight:700;letter-spacing:.08em;color:white}.section{padding-block:60px}.first-steps{border-top:1px solid var(--line)}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:25px;margin-bottom:30px}.section-heading h2{margin-top:8px}.step-grid,.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.step-card{color:var(--ink);text-decoration:none;padding:26px 26px 25px;border:1px solid var(--line);border-radius:var(--radius);display:flex;flex-direction:column;align-items:start;transition:background .15s,border-color .15s}.step-card:hover{background:var(--tint);color:var(--ink);border-color:#9baac3}.step-number{font-weight:700;font-size:.82rem;line-height:1;letter-spacing:.08em;color:var(--blue);display:block;margin-bottom:30px}.step-card h3,.step-card h2{font-size:1.4rem}.step-card p{color:var(--muted);margin-top:12px;font-size:.97rem;flex:1}.step-card .text-link{margin-top:24px}.guides-band{background:var(--tint)}.guide-card{padding:25px 0 28px;border-top:2px solid var(--ink);min-width:0}.guide-card h3{margin-top:16px;font-size:1.65rem;line-height:1.18}.guide-card h3 a{color:var(--ink);text-decoration:none}.guide-card h3 a:hover{color:var(--blue)}.guide-card p{margin-top:15px;color:var(--muted);font-size:.96rem}.guide-card .text-link{display:block;margin-top:22px}.approach{display:grid;grid-template-columns:1fr 1.1fr;gap:20px 65px;align-items:start}.approach>.eyebrow{grid-column:1/-1}.approach p:not(.eyebrow){color:var(--muted)}.approach .text-link{display:inline-block;margin-top:20px}.site-footer{margin-top:35px;background:var(--ink);color:white}.footer-main{padding-block:45px;display:flex;justify-content:space-between;gap:35px}.footer-brand{font-weight:700;font-size:1.3rem;text-decoration:none;color:white}.footer-main p{margin-top:15px;color:#bac6d6;font-size:.9rem}.footer-main nav{display:flex;gap:27px;align-items:start;flex-wrap:wrap}.footer-main nav a{color:#d8e1ed;font-size:.9rem}.footer-bottom{display:flex;justify-content:space-between;gap:20px;border-top:1px solid #3f4b5d;padding-block:22px;font-size:.78rem;color:#c5cfdd}.page-shell{padding-block:55px 75px}.page-heading{margin-bottom:45px;max-width:860px}.page-heading h1{margin-top:15px}.page-heading .lede{margin-top:22px}.page-shell>.prose{max-width:780px}.prose{font-size:1.03rem;line-height:1.8;overflow-wrap:anywhere}.prose h2{font-size:1.85rem;margin:2.5rem 0 1rem}.prose h3{font-size:1.3rem;margin:1.8rem 0 .7rem}.prose>h2:first-child{margin-top:0}.prose p{margin-bottom:1.05rem}.prose li{margin-bottom:.65rem}.prose ul,.prose ol{padding-left:1.45rem;margin:1rem 0 1.5rem}.prose table{width:100%;border-collapse:collapse;font-size:.93rem;margin:1.6rem 0;display:block;overflow:auto}.prose th{text-align:left;background:var(--tint);line-height:1.5}.prose td,.prose th{padding:12px 14px;border:1px solid var(--line);min-width:130px;vertical-align:top}.prose blockquote{border-left:3px solid var(--blue);padding:15px 22px;margin:24px 0;background:var(--tint)}.notice{padding:24px;border:1px solid var(--line);border-radius:var(--radius);background:var(--tint);margin-top:35px}.notice p{margin-top:6px;color:var(--muted)}.article-shell{padding-top:45px}.back-link{font-size:.9rem;display:inline-block;margin-bottom:28px;text-decoration:none;font-weight:600}.article-heading{max-width:900px}.article-heading h1{margin-top:14px;font-size:clamp(2.2rem,4.3vw,3.6rem)}.article-heading .lede{margin-top:22px;max-width:780px}.byline{display:flex;gap:20px;flex-wrap:wrap;font-size:.83rem;color:var(--muted);padding-block:22px}.byline a{color:var(--muted)}.article-grid{display:grid;grid-template-columns:minmax(0,780px) minmax(200px,1fr);gap:60px;border-top:1px solid var(--line);padding-top:30px}.verification-note{display:flex;align-items:start;gap:12px;padding:19px 20px;background:var(--tint);border-radius:var(--radius);margin-bottom:32px;font-size:.86rem}.verification-note p{color:var(--muted);margin-top:2px;line-height:1.55}.status-dot{height:8px;width:8px;border-radius:50%;background:var(--blue);flex:none;margin-top:8px}.sidebar-note{border:1px solid var(--line);border-top:3px solid var(--blue);padding:25px}.sidebar-note h2{font-size:1.6rem;margin-block:14px}.sidebar-note p:not(.eyebrow){color:var(--muted);font-size:.93rem}.sidebar-note .button{margin-top:20px}.article-toc{margin-top:30px;font-size:.9rem}.article-toc ol{padding-left:20px}.article-toc li{margin-bottom:10px}.article-toc a{color:var(--muted);text-decoration:none}.sources{border-top:1px solid var(--line);margin-top:40px;padding-top:25px;font-size:.9rem}.sources h2{font-size:1.4rem}.sources ol{padding-left:20px}.sources li{margin-block:10px;overflow-wrap:anywhere}.sources p,.disclaimer{color:var(--muted);font-size:.8rem}.disclaimer{margin-top:23px}.related{margin-top:30px;border-top:1px solid var(--line)}.related .guide-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.photo-credit{font-size:.83rem;color:var(--muted)}[hidden]{display:none!important}
@media(max-width:1000px){.home-intro{gap:35px}.hero-photo{height:390px}.step-grid,.guide-grid{gap:18px}.step-card{padding:22px}.article-grid{gap:30px;grid-template-columns:minmax(0,1fr) 230px}.sidebar-note{padding:20px}.approach{gap:20px 35px}}
@media(max-width:760px){.wrap{width:min(calc(100% - 36px),var(--wrap))}.header-inner{min-height:85px;gap:20px}.header-inner nav{gap:17px}.header-inner nav a{font-size:.85rem}.brand{font-size:.85rem;gap:9px}.brand strong{font-size:1.1rem}.brand-mark{width:36px;height:36px;font-size:1.7rem}.home-intro{grid-template-columns:1fr;padding-top:38px;gap:30px;padding-bottom:40px}.intro-copy h1{font-size:4.25rem}.intro-copy .lede{max-width:500px}.hero-photo{height:290px}.section{padding-block:40px}.step-grid,.guide-grid{grid-template-columns:1fr}.step-card{padding:24px}.step-number{margin-bottom:18px}.step-card .text-link{margin-top:18px}.section-heading{align-items:start;flex-direction:column;gap:16px}.guide-card{padding-bottom:10px}.approach{grid-template-columns:1fr;gap:22px}.footer-main{flex-direction:column}.footer-main nav{gap:22px}.footer-bottom{flex-direction:column;gap:7px}.page-shell{padding-block:35px 40px}.page-heading{margin-bottom:32px}.article-shell{padding-top:28px}.article-grid{grid-template-columns:1fr;padding-top:22px;gap:30px}.article-sidebar{display:none}.related .guide-grid{grid-template-columns:1fr}.article-heading h1{font-size:2.5rem}.byline{gap:8px 15px;font-size:.8rem}.prose{font-size:1rem}.prose h2{font-size:1.65rem}}
@media(max-width:380px){.header-inner{gap:12px}.header-inner nav{gap:12px}.header-inner nav a{font-size:.78rem}.brand-mark{display:none}.intro-copy h1{font-size:3.7rem}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
@media print{.site-header,.site-footer,.article-sidebar,.button,.related,.no-print,.hero-photo{display:none!important}.wrap{width:100%}.page-shell,.article-shell,.section{padding:0}.article-grid{display:block;border:0}.prose{font-size:11pt}.prose a{color:#111}body{color:#111;background:white}.prose h2{break-after:avoid}.prose table,.step-card{break-inside:avoid}.verification-note{border:1px solid #bbb}.home-intro{display:block}h1{font-size:24pt}}
.question-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.question-card{display:flex;flex-direction:column;align-items:start;padding:26px;background:white;border:1px solid var(--line);border-radius:var(--radius);color:var(--ink);text-decoration:none;min-width:0}.question-card:hover{border-color:var(--blue);color:var(--ink)}.question-card h3{font-size:1.45rem;line-height:1.22;margin-top:12px}.question-card p{margin-top:14px;color:var(--muted);font-size:.95rem;flex:1}.question-card .text-link{margin-top:20px}.topic-links{display:flex;flex-wrap:wrap;gap:10px 24px;padding-block:14px;border-block:1px solid var(--line)}.topic-links a{display:inline-flex;align-items:center;min-height:44px;font-weight:600;text-decoration:none}.guide-group{padding-top:48px;scroll-margin-top:24px}.topic-intro{max-width:800px;margin-bottom:36px}
@media screen and (max-width:760px){.header-inner{flex-direction:column;align-items:stretch;gap:12px;padding-block:16px}.header-inner nav{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 16px}.header-inner nav a{font-size:.9rem;min-height:44px;display:flex;align-items:center}.brand{align-self:flex-start}.question-grid{grid-template-columns:1fr}.question-card{padding:24px}.guide-group{padding-top:36px}}