:root{--ink:#102541;--blue:#155bd7;--teal:#22a9aa;--pale:#e9f5fa;--line:#d9e4ed;--soft:#f5f8fb}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink)}
button,input,select,textarea{font:inherit}
button{cursor:pointer}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #e0a11a;outline-offset:3px}
.nw-page{--nw-deep:#113a5f;--nw-dark:#09243f;--nw-accent:#9ee7dd;--nw-sky:#e8f4f8;--nw-ink:#11263a;--nw-brand:#0c4f77;--nw-brand-mark:linear-gradient(135deg,#0c5184 0 48%,#3db5b4 48% 67%,#143456 68%);--nw-bar-start:#12658e;--nw-bar-end:#38aaa9;--nw-badge-bg:#b5f0e5;--nw-badge-text:#123c50;--nw-feature-hover:#156792;--nw-feature-link:#086087;--nw-faq-icon:#0b6788}
.br-page{--br-serif:Georgia,"Times New Roman",serif;--br-link:#0b67a6;--br-hero-bg:#112f50;--br-insight-border:#16a4a4;--br-figure-start:#d6eef8;--br-figure-end:#b9e1e5}
.nw-header{border-bottom:1px solid #e3ebf0}
.nw-menu a{color:#26384b}
.nw-menu a:hover,.nw-menu a[aria-current="page"]{color:#0b5c88}
.nw-brand{letter-spacing:-.7px}
.br-page .nw-brand{color:#0c4f77}
.br-page .nw-brand__mark{background:linear-gradient(135deg,#0c5184 0 48%,#3db5b4 48% 67%,#143456 68%)}
.nw-brand__mark{clip-path:polygon(12% 0,100% 0,100% 100%,0 100%,0 35%);border-radius:4px}
.nw-hero{background:radial-gradient(circle at 79% 27%,#196b80 0,#14516f 25%,transparent 52%),linear-gradient(115deg,#0b2845,#14486c 65%,#14667b)}
.nw-hero::after{content:"";position:absolute;right:7%;top:22%;width:min(30vw,340px);aspect-ratio:1;border:2px solid rgba(178,235,232,.3);border-radius:16%;transform:rotate(-13deg);box-shadow:37px 35px 0 -4px rgba(120,210,215,.09),-31px -24px 0 -2px rgba(170,230,228,.1);pointer-events:none}
.nw-hero::before{background:linear-gradient(90deg,rgba(5,20,41,.3),transparent 70%)}
.eyebrow{font-size:12px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:#b4ede7;margin:0 0 18px}
.nw-hero__content{margin-left:0;max-width:710px}
.nw-hero__lead{max-width:550px}
.nw-search__bar small{font-size:9px;letter-spacing:0}
.nw-search__send{background:#dff4ef;color:#0c5e7c}
.nw-category{color:var(--ink)}
.nw-category__icon{font-size:42px;color:#116a91}
.nw-category h2{color:#102942}
.nw-content>p{line-height:1.7;color:#536475}
.carrier-pills{display:flex;flex-wrap:wrap;gap:9px;margin:23px 0 55px}
.carrier-pill{display:inline-flex;padding:10px 15px;border:1px solid #cadae5;border-radius:999px;text-decoration:none;color:#134f74;font-weight:750;background:white}
.carrier-pill:hover{background:#e7f3f8;border-color:#1d7c9f}
.feature-split{display:grid;grid-template-columns:1.25fr 1fr;gap:30px;align-items:stretch;margin:30px 0 65px}
.feature-split>div{padding:30px;border-radius:18px;background:#edf5f9}
.feature-split p{line-height:1.7;color:#4c6174}
.feature-split .trust-panel{background:#123655;color:white}
.trust-panel p{color:#e0edf4}
.trust-panel a{color:#b5eee4}
.nw-content__grid{grid-template-columns:repeat(3,minmax(0,1fr));margin-top:20px}
.nw-feature{color:var(--ink);transition:transform .15s}
.nw-feature:hover{transform:translateY(-3px)}
.nw-footer{background:#102a43;color:#e1ebf2}
.nw-footer .nw-container{padding-block:5px}
.nw-footer nav{display:flex;flex-wrap:wrap;gap:10px 22px;margin:20px 0}
.nw-footer a{color:#bfe9e5}
.nw-footer small{color:#b9cbd8}
.br-editorial-hero{background:linear-gradient(125deg,#102b4b,#194565)}
.br-editorial-main{box-shadow:0 10px 35px rgba(22,49,78,.07)}
.br-editorial-main p{color:#425366}
.br-editorial-main li{font-size:17px;line-height:1.72;margin:0 0 12px;color:#3a4b5e}
.br-editorial-main section{scroll-margin-top:24px}
.br-editorial-main section>h2{border-top:1px solid #e1e8ed;padding-top:30px}
.br-insight{background:#eaf6f7;border-radius:0 12px 12px 0;margin:32px 0}
.br-insight p{color:#315264}
.br-editorial-figure span{font-size:82px}
.br-disclosure{color:#4b6173}
.br-toc ol{padding-left:23px}
.br-button{background:#126da0;border-color:#126da0}
.br-button:hover{background:#0d557e}
.br-table-wrap{max-width:100%}
.br-data-table{min-width:650px}
.br-data-table tbody td{text-align:left;white-space:normal}
.br-data-table caption{text-align:left;padding:13px 18px;font-weight:800}
.small-note{font-size:14px!important;color:#607080!important}
.action-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:23px 0}
.action-card{display:flex;flex-direction:column;gap:8px;justify-content:space-between;padding:22px;border:1px solid #d4e3ed;border-radius:11px;text-decoration:none!important;background:#f8fbfd}
.action-card strong{font-size:18px;color:#123450}
.action-card span{font-size:14px;color:#146c98}
.source-list{padding-left:22px}
.source-list li{margin-bottom:13px}
.source-list small{display:block;font-size:12px;color:#607080}
.related-links{columns:2;padding-left:22px}
.related-links li{break-inside:avoid;margin-bottom:12px}
.ad-placement{min-height:120px;margin:40px 0;padding:14px 12px;border-top:1px solid #e5e9ed;border-bottom:1px solid #e5e9ed;text-align:center;clear:both;max-width:100%;overflow-x:clip}
.ad-placement .adsbygoogle{max-width:100%;width:100%}
.ad-placement iframe{max-width:100%!important}
.ad-label{display:block;text-align:center;color:#697887;font-size:11px;letter-spacing:.08em;text-transform:uppercase;margin-bottom:10px}
.tool-form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;border:1px solid #d8e4eb;background:#f8fbfd;border-radius:13px;padding:25px;margin:25px 0}
.tool-form label{display:flex;flex-direction:column;gap:8px;font-weight:750;color:#233b50;font-size:15px}
.tool-form input,.tool-form select,.tool-form textarea{width:100%;min-width:0;padding:12px;border:1px solid #b6c9d7;border-radius:7px;background:#fff;color:#19344d;box-sizing:border-box}
.tool-form textarea{resize:vertical}
.tool-form>p,.tool-form>button,.tool-form>.tool-result,.tool-form>span{grid-column:1/-1}
.tool-result{border-radius:11px;background:#eaf5f7;padding:18px;min-height:40px;margin:18px 0;overflow-wrap:anywhere}
.tool-result:empty{display:none}
.tool-result h3{font-size:21px;margin:0 0 12px}
.tool-result p{font-size:16px;margin:0 0 15px}
.tool-result ol,.tool-result ul{padding-left:24px}
.tool-result a{font-weight:750}
.check-item{display:flex;gap:9px;align-items:flex-start;margin:10px 0}
.check-item input{width:18px;height:18px;margin-top:5px;flex:none}
.check-item span{font-weight:400}
.home-results{margin-top:12px;background:white;color:#17364c;border-radius:9px;box-shadow:0 12px 25px #061b2c33}
.home-results:empty{display:none}
.home-results a{display:block;padding:10px 16px;color:#124f73;text-decoration:none;border-bottom:1px solid #e2eaf0}
.home-results a:hover{background:#e9f5f9}
.hub-hero{background:linear-gradient(120deg,#102d4c,#20597a);color:white;padding:75px 0 85px}
.hub-hero h1{font-family:Georgia,serif;font-size:clamp(34px,4vw,58px);line-height:1.12;margin:0 0 20px}
.hub-hero p{max-width:740px;line-height:1.7}
.hub-hero label{display:flex;flex-direction:column;gap:8px;max-width:520px;font-weight:700;margin-top:25px}
.hub-hero input{padding:15px;border-radius:8px;border:0;font-size:16px}
.hub-list{padding:55px 0 80px}
.hub-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.hub-card{border:1px solid #d6e3ec;border-radius:12px;padding:22px;background:#fff;text-decoration:none;display:flex;flex-direction:column;gap:11px;min-height:122px}
.hub-card:hover{border-color:#3289aa;background:#f5fbfd}
.hub-card strong{color:#123753;font-size:17px;line-height:1.4}
.hub-card span{color:#586b7c;font-size:14px;line-height:1.5}
.not-found{max-width:700px;margin:10vh auto;padding:30px;font:18px/1.6 Arial,sans-serif}
@media(max-width:900px){.feature-split,.nw-content__grid,.hub-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:650px){.nw-hero::after{display:none}.feature-split,.nw-content__grid,.hub-grid,.action-grid,.tool-form{grid-template-columns:1fr}.related-links{columns:1}.br-editorial-main li{font-size:16px}.hub-hero{padding:55px 0}.hub-list{padding:30px 0}.nw-footer nav{gap:13px}}
@media print{.nw-header,.nw-footer,.br-editorial-side,.ad-placement,.br-button,.nw-toggle{display:none!important}.br-editorial-hero{min-height:0;padding:20px;color:#000;background:white}.br-editorial-hero h1{color:#000}.br-editorial-layout{display:block;margin:0;width:100%}.br-editorial-main{padding:0;box-shadow:none}.tool-form{border:0;padding:0}.tool-result{background:white}}