:root{--navy:#071d35;--navy-2:#0d2b47;--blue:#1769aa;--sky:#eef7fc;--gold:#e8b93f;--dark-gold:#8a6415;--cream:#fff8e7;--ink:#102f49;--muted:#557084;--line:#c9dce8;--white:#fff;--shadow:0 22px 65px rgba(7,29,53,.12);--card-shadow:0 12px 40px rgba(7,29,53,.07)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Manrope,system-ui,sans-serif;color:var(--ink);background:var(--white);line-height:1.65}a{color:inherit}h1,h2,h3,p{margin-top:0}h1,h2{font-family:"Playfair Display",Georgia,serif;line-height:1.08;color:var(--navy)}h1{font-size:clamp(2.55rem,6vw,4.8rem);margin-bottom:22px}h2{font-size:clamp(1.8rem,3.7vw,2.9rem);margin-bottom:17px}h3{font-size:1.12rem;line-height:1.35;color:var(--navy)}p{color:var(--muted)}.wrap{width:min(1160px,calc(100% - 40px));margin:auto}.eyebrow{font-size:.76rem;font-weight:800;letter-spacing:.17em;text-transform:uppercase;color:var(--blue);margin-bottom:13px}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:13px 22px;border-radius:999px;font-weight:800;text-decoration:none;transition:transform .18s,box-shadow .18s,background .18s}.btn:hover{transform:translateY(-2px)}.btn:focus-visible,a:focus-visible{outline:3px solid var(--gold);outline-offset:4px}.btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 12px 30px rgba(232,185,63,.25)}.btn-outline{border:1px solid var(--blue);color:var(--blue);background:white}.nav{position:sticky;top:0;z-index:20;background:rgba(7,29,53,.97);backdrop-filter:blur(10px);border-bottom:1px solid rgba(255,255,255,.09)}.nav-inner{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{font-size:1.25rem;font-weight:800;color:white;text-decoration:none}.nav-links{display:flex;align-items:center;gap:24px}.nav-links>a:not(.btn){color:#dce8f0;text-decoration:none;font-size:.9rem;font-weight:700}.actions{display:flex;flex-wrap:wrap;gap:13px;margin-top:28px}.help-hero{padding:72px 0 66px;background:var(--sky);border-bottom:1px solid var(--line)}.help-hero-inner{max-width:850px}.help-hero p:not(.eyebrow){max-width:750px;font-size:1.14rem}.help-section{padding:76px 0}.help-section-alt{background:#f4f7f9}.section-heading{max-width:760px;margin-bottom:34px}.topic-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}.topic-card,.packed-card{border:1px solid var(--line);border-radius:25px;padding:28px;background:white;box-shadow:var(--card-shadow)}.topic-card{display:flex;flex-direction:column}.topic-card h3{font-size:1.28rem;margin-bottom:8px}.topic-card>p{margin-bottom:17px}.question-list{display:grid;gap:8px;margin:0;padding:0;list-style:none}.question-list a,.question-list span{display:block;padding-top:8px;border-top:1px solid #e1ebf1;font-size:.92rem;font-weight:700}.question-list a{color:var(--blue);text-decoration:none}.question-list a:hover{text-decoration:underline}.question-list span{color:#657c8c}.topic-link{display:inline-flex;margin-top:auto;padding-top:18px;color:var(--blue);font-size:.9rem;font-weight:800;text-decoration:none}.topic-link:hover{text-decoration:underline}.start-card{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:34px;align-items:start;background:var(--navy);border-color:var(--navy);box-shadow:var(--shadow)}.start-card h2,.start-card p{color:white}.start-links{display:grid;gap:9px}.start-links a,.start-links span{border-radius:16px;background:rgba(255,255,255,.09);padding:13px 15px;color:white;font-weight:700;text-decoration:none}.start-links a:hover{background:rgba(255,255,255,.14)}.start-links span{color:#c8d8e3}.breadcrumbs{display:flex;flex-wrap:wrap;gap:7px;align-items:center;margin:0 0 30px;padding:0;list-style:none;font-size:.83rem;color:var(--muted)}.breadcrumbs a{color:var(--blue);font-weight:700;text-decoration:none}.breadcrumbs li:not(:last-child)::after{content:"/";margin-left:7px;color:#8ca0ae}.article-main{padding:52px 0 78px}.article-layout{display:grid;grid-template-columns:minmax(0,760px) minmax(220px,1fr);gap:60px;align-items:start}.article-header{margin-bottom:30px}.article-header h1{font-size:clamp(2.5rem,5vw,4.5rem)}.article-dek{font-size:1.12rem}.article-content h2{font-size:clamp(1.65rem,3vw,2.3rem);margin-top:44px}.article-content h3{margin-top:28px}.article-content p,.article-content li{font-size:1.02rem}.article-content ul{padding-left:22px;color:var(--muted)}.short-answer{background:var(--sky);border-color:#b7d8ea}.short-answer p:last-child{margin-bottom:0;font-size:1.08rem;color:#274c66}.factor-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:13px}.factor-card{padding:18px;border:1px solid var(--line);border-radius:18px;background:white}.factor-card h3{margin:0 0 5px;font-size:1rem}.factor-card p{margin:0;font-size:.9rem}.callout{margin-top:34px;padding:24px 26px;border:1px solid #ead89d;border-left:5px solid var(--gold);border-radius:22px;background:var(--cream)}.callout h2{font-family:Manrope,system-ui,sans-serif;font-size:1.15rem;margin:0 0 8px}.callout p:last-child{margin-bottom:0}.approach{margin-top:34px;background:var(--navy);border-color:var(--navy)}.approach h2,.approach p{color:white}.approach p:last-child{margin-bottom:0}.article-cta{margin-top:34px;background:var(--sky)}.article-cta h2{font-size:1.8rem}.article-cta p{max-width:620px}.related{position:sticky;top:100px}.related h2{font-family:Manrope,system-ui,sans-serif;font-size:1.1rem}.related-links{display:grid;gap:10px}.related-links a{color:var(--blue);font-weight:800;text-decoration:none}.related-links a:hover{text-decoration:underline}.author-card{margin-top:30px;background:#f4f7f9}.author-card h2{font-family:Manrope,system-ui,sans-serif;font-size:1.2rem}.author-card p:last-child{margin-bottom:0}.article-footer-related{display:none}footer{background:#041527;color:#b8cad7;padding:45px 0}.footer-inner{display:flex;justify-content:space-between;align-items:center;gap:25px}.footer-links{display:flex;flex-wrap:wrap;gap:18px}.footer-links a{color:#dce8f0}.footer-small{font-size:.8rem;margin:12px 0 0;color:#89a3b5}
.help-topics-section{padding-bottom:30px}.help-start-section{padding-top:18px;padding-bottom:64px}.section-heading{margin-bottom:27px}.topic-grid{gap:16px}.topic-card{padding:22px 24px}.topic-card h3{font-size:1.24rem;margin-bottom:6px}.topic-card>p{margin-bottom:10px}.question-list{gap:0}.question-list a,.question-list span{padding:7px 0;font-size:.9rem;line-height:1.45}.topic-link{padding-top:11px;font-size:.88rem}.start-card{gap:28px;padding:24px 28px}.start-card h2{margin-bottom:12px}.start-card p:last-child{margin-bottom:0}.start-links{gap:6px}.start-links a,.start-links span{border-radius:14px;padding:10px 14px}.article-header{margin-bottom:24px}.article-header h1{margin-bottom:0}.author-card{margin-top:24px;padding:19px 22px}.author-card .eyebrow{margin-bottom:7px}.author-card h2{font-size:1.15rem;margin-bottom:8px}.author-card p{margin-bottom:7px;font-size:.95rem}
@media(max-width:900px){.nav-links>a:not(.btn){display:none}.nav-links>a.nav-help{display:inline-flex}.article-layout{grid-template-columns:1fr;gap:30px}.related{position:static}.article-footer-related{display:block}.article-sidebar{display:none}.topic-grid{grid-template-columns:1fr}.start-card{grid-template-columns:1fr}}
@media(max-width:600px){.wrap{width:min(100% - 28px,1160px)}.nav-inner{min-height:56px;gap:10px}.brand{font-size:1.05rem}.nav-links{gap:8px}.nav-links>a.nav-help{font-size:.78rem}.nav .btn{min-height:42px;padding:8px 13px;font-size:.78rem}.help-hero{padding:48px 0}.help-section{padding:52px 0}.topic-card,.packed-card{padding:22px;border-radius:22px}.actions{flex-direction:column;align-items:stretch}.actions .btn{width:100%}.factor-grid{grid-template-columns:1fr}.article-main{padding:34px 0 56px}.breadcrumbs{margin-bottom:24px}.article-header h1{font-size:2.55rem}.article-content h2{margin-top:36px}.callout{padding:21px}.footer-inner{align-items:flex-start;flex-direction:column}.footer-links{flex-direction:column}}
@media(max-width:600px){.help-topics-section{padding-bottom:22px}.help-start-section{padding-top:10px;padding-bottom:48px}.section-heading{margin-bottom:23px}.topic-card{padding:19px 20px}.start-card{padding:21px;gap:20px}.start-links a,.start-links span{padding:10px 13px}.article-header{margin-bottom:20px}.author-card{padding:18px 19px}}