:root{--ink:#11192e;--muted:#535e70;--orange:#c93619;--light:#f5f6f8;--line:#e4e7ed;--navy:#0d162b;--max:1180px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:20px}body{margin:0;color:var(--ink);background:#fff;font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.65}a{color:inherit;text-decoration:none}button,input{font:inherit}button,summary{cursor:pointer}img{display:block;max-width:100%;height:auto}svg{flex-shrink:0}h1,h2,h3,h4,p{margin:0 0 20px}h1,h2,h3,h4{line-height:1.18;letter-spacing:-.035em}h1{font-size:clamp(2.5rem,4.3vw,4rem)}h2{font-size:clamp(2rem,3vw,2.8rem)}h3{font-size:1.35rem}p{color:var(--muted)}.container{width:min(var(--max),calc(100% - 48px));margin-inline:auto}.skip{position:absolute;left:16px;top:-80px;z-index:10;background:white;padding:12px}.skip:focus{top:8px}:focus-visible{outline:3px solid #1968cd;outline-offset:5px}.topbar{background:var(--navy);color:#dfe4ee;font-size:12px}.topbar .container{display:flex;justify-content:space-between;gap:20px;padding-block:9px}.topbar a{color:#fff}.topbar span:first-child::before{content:'●';color:#ff795c;margin-right:9px;font-size:10px}.navbar{display:flex;align-items:center;gap:30px;min-height:94px}.brand{flex-shrink:0}.brand img{width:222px;height:45px}.navigation{margin-left:auto;display:flex;gap:25px;align-items:center;font-size:14px;font-weight:700}.navigation>a,.navigation summary{padding-block:15px}.navigation details{position:relative}.navigation summary{list-style:none;display:flex;gap:7px;align-items:center}.navigation summary::-webkit-details-marker{display:none}.navigation summary::after{content:'⌄';font-size:15px}.dropdown{position:absolute;top:100%;left:-20px;z-index:5;min-width:280px;padding:14px;background:white;border:1px solid var(--line);box-shadow:0 18px 40px #0d162b18}.dropdown a{display:block;padding:9px 12px;font-size:13px}.dropdown a:hover{background:var(--light);color:var(--orange)}.button{display:inline-flex;justify-content:center;align-items:center;gap:18px;background:var(--orange);color:#fff;min-height:50px;padding:13px 23px;font-weight:700;font-size:14px;border:1px solid transparent;border-radius:3px}.button:hover{background:#b82c11}.button .arrow{font-size:20px;line-height:1}.button.light{background:#fff;color:var(--ink)}.button.outline{border-color:#ffffff60;background:transparent}.button.outline:hover{background:#ffffff15}.menu-toggle{display:none}.hero{position:relative;isolation:isolate;overflow:hidden;background:var(--navy);color:white;min-height:590px;display:flex;align-items:center}.hero picture{position:absolute;inset:0;z-index:-2}.hero picture img{width:100%;height:100%;object-fit:cover;object-position:center}.hero::before{content:'';position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,#091225f5 0%,#091225d9 37%,#09122550 76%,#09122525)}.hero-content{max-width:720px;padding-block:78px 105px}.eyebrow{display:flex;gap:10px;align-items:center;font-size:12px;text-transform:uppercase;letter-spacing:.15em;font-weight:700;color:var(--orange);margin-bottom:20px}.eyebrow::before{content:'';width:25px;height:2px;background:currentColor}.hero .eyebrow{color:#ffbba9}.hero h1{max-width:710px}.hero h1 span{color:#ff896a}.hero p{max-width:510px;color:#e0e5ef;font-size:17px}.hero-actions{display:flex;gap:13px;flex-wrap:wrap;margin-top:30px}.hero-note{display:flex;gap:22px;margin-top:28px;font-size:12px;color:#f1f3f7}.hero-note span::before{content:'✓';margin-right:8px;color:#ff9e81}.benefits{position:relative;margin-top:-37px;z-index:1;display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line);background:#fff;box-shadow:0 15px 40px #11192e08}.benefit{display:flex;gap:20px;padding:28px 30px;align-items:center}.benefit+.benefit{border-left:1px solid var(--line)}.icon-box{width:50px;height:50px;flex-shrink:0;border-radius:3px;background:#fff0eb;color:var(--orange);display:grid;place-items:center}.icon-box svg{width:27px;height:27px}.benefit h2{font-size:17px;letter-spacing:-.02em;margin-bottom:5px}.benefit p{font-size:13px;margin:0}.section{padding-block:95px}.section.soft{background:var(--light)}.section-head{max-width:670px;margin-bottom:38px}.section-head.center{text-align:center;margin-inline:auto}.section-head.center .eyebrow{justify-content:center}.split{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.about-picture{position:relative;padding:0 26px 26px 0}.about-picture::before{content:'';position:absolute;inset:28px 0 0 30px;background:#f4f0eb;z-index:-1}.about-picture img{width:100%;aspect-ratio:1.08;object-fit:cover}.experience{position:absolute;bottom:0;right:0;background:var(--orange);padding:20px 24px;color:white;display:flex;gap:12px;align-items:center;box-shadow:0 0 0 8px white}.experience strong{font-size:40px;line-height:1}.experience span{font-size:11px;line-height:1.6;text-transform:uppercase;letter-spacing:.09em}.checks{padding:0;list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:25px 0}.checks li{font-size:14px;font-weight:700}.checks li::before{content:'✓';display:inline-block;margin-right:10px;color:var(--orange)}.text-link{color:#c83215;font-size:14px;font-weight:700;display:inline-flex;gap:18px;align-items:center}.text-link:hover{text-decoration:underline}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.service-card{border:1px solid var(--line);background:white}.service-card>img{width:100%;aspect-ratio:1.75;object-fit:cover}.service-card .card-body{padding:27px}.service-card h3{margin-bottom:12px}.service-card p{font-size:14px}.steps-section{background:var(--navy);color:white}.steps-section p{color:#c3ccdc}.steps-section .eyebrow{color:#ff9c80}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:45px}.step{border-top:1px solid #ffffff30;padding-top:25px}.step-number{font-size:13px;letter-spacing:.1em;color:#ffac95;margin-bottom:16px;display:block}.step h3{font-size:24px}.step p{font-size:14px;margin:0}.advantage-list{list-style:none;padding:0;margin:30px 0}.advantage-list li{display:flex;gap:18px;margin-top:25px}.advantage-list h3{font-size:19px;margin-bottom:7px}.advantage-list p{font-size:14px;margin:0}.video-link{position:relative;display:block;background:var(--navy)}.video-link img{width:100%;aspect-ratio:1.22;object-fit:cover;opacity:.85}.play{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);background:var(--orange);color:#fff;border-radius:50%;width:75px;height:75px;display:grid;place-items:center;font-size:25px;box-shadow:0 0 0 12px #ffffff30}.video-caption{position:absolute;bottom:22px;left:25px;color:#fff;font-size:14px;font-weight:700}.quote{border:1px solid var(--line);padding:28px}.quote>span{color:var(--orange);font-size:44px;line-height:1}.quote p{color:var(--ink);font-size:16px;margin-top:10px}.quote cite{font-style:normal;font-size:13px;font-weight:700}.article-card{padding:27px;border:1px solid var(--line);background:#fff;display:flex;flex-direction:column;align-items:flex-start;transition:border-color .15s}.article-card:hover{border-color:var(--orange)}.article-card .tag{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--orange);margin-bottom:16px}.article-card h3{font-size:21px;line-height:1.3}.article-card p{font-size:14px}.article-card .text-link{margin-top:auto}.section-heading-row{display:flex;justify-content:space-between;gap:25px;align-items:end;margin-bottom:35px}.section-heading-row .section-head{margin:0}.cta-band{padding-block:45px;background:var(--orange);color:#fff}.cta-band .container{display:flex;justify-content:space-between;gap:35px;align-items:center}.cta-band h2{font-size:30px;margin-bottom:8px}.cta-band p{color:#fff;margin:0;font-size:14px}.footer{background:var(--navy);color:#fff;padding-top:60px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:45px}.footer-brand{font-size:30px;font-weight:800;letter-spacing:-.05em;display:inline-block;margin-bottom:18px}.footer-brand span{color:#ff9176}.footer p,.footer a:not(.footer-brand),.footer li{color:#c3ccdc;font-size:13px}.footer h2{font-size:15px;letter-spacing:0;margin:12px 0 22px}.footer ul{list-style:none;margin:0;padding:0}.footer li{margin-bottom:10px}.footer a:hover{color:#fff}.footer-bottom{border-top:1px solid #ffffff20;padding-block:20px;display:flex;gap:20px;justify-content:space-between;color:#aeb9cd;font-size:12px}.page-top{padding:35px 0 58px;background:var(--light);border-bottom:1px solid var(--line)}.breadcrumbs{display:flex;gap:10px;flex-wrap:wrap;font-size:12px;color:var(--muted);margin-bottom:32px;list-style:none;padding:0}.breadcrumbs li+li::before{content:'/';margin-right:10px;color:#7a8290}.breadcrumbs a{text-decoration:underline;text-underline-offset:3px}.page-top h1{max-width:950px;font-size:clamp(2rem,3.4vw,3rem);margin-bottom:20px}.page-top p{max-width:850px;margin-bottom:0}.article-layout{display:grid;grid-template-columns:minmax(0,790px) 280px;gap:75px;align-items:start;padding-block:55px 85px}.article-body{min-width:0;font-size:17px;line-height:1.85}.article-body h2{font-size:27px;margin:38px 0 18px;line-height:1.3}.article-body h3{font-size:21px;margin:28px 0 14px;line-height:1.4}.article-body h4{font-size:19px;margin-top:25px}.article-body>:first-child{margin-top:0}.article-body p{margin-bottom:20px}.article-body a{color:#bf2e12;text-decoration:underline;overflow-wrap:anywhere}.article-body ul,.article-body ol{padding-left:25px;color:var(--muted)}.article-body li{margin-bottom:12px}.article-body table{border-collapse:collapse;width:100%;font-size:14px;line-height:1.5;margin:25px 0}.article-body th,.article-body td{border:1px solid var(--line);padding:10px;text-align:left;overflow-wrap:anywhere}.article-body th{background:var(--light)}.table-scroll{max-width:100%;overflow-x:auto}.article-sidebar{position:sticky;top:25px;font-size:13px}.toc{padding:23px;background:var(--light);border:1px solid var(--line);margin-bottom:25px}.toc h2{font-size:16px;letter-spacing:0}.toc ol{padding-left:18px;margin:0}.toc li{margin-bottom:12px;line-height:1.5}.toc a:hover{color:var(--orange)}.sidebar-cta{padding:23px;background:var(--navy);color:white}.sidebar-cta h2{font-size:23px}.sidebar-cta p{font-size:13px;color:#c3ccdc}.sidebar-cta .button{width:100%;padding-inline:10px;font-size:12px}.read-time{font-size:12px;color:var(--muted);margin-top:20px}.search-field{display:flex;max-width:540px;flex-direction:column;gap:10px;margin-bottom:30px}.search-field label{font-size:13px;font-weight:700}.search-field input,.search-field select{padding:14px 16px;border:1px solid #a5adba;background:#fff;border-radius:3px;width:100%}.search-status{font-size:13px;color:var(--muted);margin-bottom:25px}.contact-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:60px;padding-block:65px 85px}.contact-panel{background:var(--navy);color:white;padding:35px}.contact-panel p{color:#d0d7e4}.contact-panel a{color:#fff;text-decoration:underline}.contact-panel h2{font-size:24px}.contact-info{margin-bottom:28px}.contact-info small{display:block;color:#c3ccdc;font-size:12px;text-transform:uppercase;letter-spacing:.1em;margin-bottom:4px}.faq-list{max-width:850px;margin-inline:auto}.faq-list details{border-bottom:1px solid var(--line);padding:24px 0}.faq-list summary{font-weight:700;font-size:18px}.faq-list p{margin:18px 0 0}.back-top{display:block;text-align:center;padding:18px;border-top:1px solid var(--line);font-size:13px;color:var(--muted)}[hidden]{display:none!important}@media(min-width:1600px){.hero{min-height:650px}}@media(max-width:1050px){.navbar{gap:18px}.brand img{width:190px}.navigation{gap:18px}.navbar>.button{display:none}.split{gap:40px}.benefit{padding:22px 18px;gap:12px}.article-layout{gap:35px;grid-template-columns:minmax(0,1fr) 250px}.footer-grid{gap:25px}.section{padding-block:70px}}@media(max-width:760px){.container{width:calc(100% - 36px)}.topbar .container{justify-content:center;padding-block:7px}.topbar span:nth-child(2){display:none}.navbar{min-height:77px;flex-wrap:wrap;justify-content:space-between;gap:0}.brand img{width:195px;height:40px}.menu-toggle{display:block;border:1px solid var(--line);border-radius:3px;background:white;padding:8px 12px;font-size:13px;font-weight:700}.navigation{display:none;width:100%;margin:0;align-items:stretch;padding:10px 0 20px;gap:0;flex-direction:column}.navigation.open{display:flex}.navigation>a,.navigation summary{padding-block:12px;border-bottom:1px solid var(--line)}.dropdown{position:static;border:0;box-shadow:none;background:var(--light);min-width:0}.hero{min-height:560px}.hero-content{padding-block:55px 80px}.hero h1{font-size:40px;max-width:540px}.hero p{font-size:16px}.hero::before{background:linear-gradient(90deg,#091225ed,#091225ad)}.hero picture img{object-position:85%}.hero-note{gap:14px;flex-wrap:wrap;font-size:11px}.hero-actions{gap:10px}.hero-actions .button{padding:12px 17px;font-size:13px}.benefits{grid-template-columns:1fr;margin-top:-25px}.benefit{padding:18px 22px}.benefit+.benefit{border-left:0;border-top:1px solid var(--line)}.section{padding-block:58px}.split{grid-template-columns:1fr;gap:38px}.about-picture{max-width:500px}.cards,.steps{grid-template-columns:1fr;gap:20px}.cards.services{grid-template-columns:1fr}.service-card{display:grid;grid-template-columns:125px 1fr}.service-card>img{height:100%;aspect-ratio:auto}.service-card .card-body{padding:20px}.service-card h3{font-size:20px}.service-card p{font-size:13px}.steps{gap:30px}.step{padding-top:20px}.steps .step p{max-width:540px}.video-link{max-width:520px}.video-link img{aspect-ratio:1.4}.section-heading-row{align-items:start;flex-direction:column;gap:15px}.footer-grid{grid-template-columns:1fr 1fr;gap:25px}.footer-bottom{flex-direction:column;gap:5px}.cta-band .container{align-items:start;flex-direction:column;gap:20px}.cta-band h2{font-size:27px}.article-layout{grid-template-columns:1fr;gap:35px;padding-block:35px 55px}.article-sidebar{position:static;display:contents}.toc{grid-row:1;margin:0}.toc ol{max-height:190px;overflow-y:auto}.sidebar-cta{margin-top:5px}.article-body{font-size:16px}.article-body h2{font-size:24px}.article-body table{font-size:12px}.article-body th,.article-body td{padding:7px}.page-top{padding-bottom:35px}.page-top h1{font-size:32px}.contact-grid{grid-template-columns:1fr;gap:25px;padding-block:45px}.checks{font-size:13px}.eyebrow{font-size:11px}.section-head{margin-bottom:28px}.footer{padding-top:40px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}@media print{header,footer,.article-sidebar,.cta-band,.back-top{display:none}.article-layout{display:block}.page-top{background:#fff}.container{width:100%}.article-body{font-size:12pt}a{color:inherit!important}}.article-content{min-width:0}.editorial-date{font-size:12px;color:var(--muted);margin-bottom:24px}.quick-answer{padding:24px;border-left:3px solid var(--orange);background:var(--light);margin-bottom:32px}.quick-answer h2{font-size:19px;margin-bottom:12px}.quick-answer p{margin-bottom:0;font-size:15px}.article-sources{padding-top:25px;margin-top:30px;border-top:1px solid var(--line);font-size:13px}.article-sources h2{font-size:19px;letter-spacing:-.02em}.article-sources ul{padding-left:20px}.article-sources a{color:#bf2e12;text-decoration:underline;overflow-wrap:anywhere}.article-sources li{margin-bottom:10px}.guide-start{margin-bottom:55px}.guide-start h2{font-size:28px;margin-bottom:25px}.guide-paths{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.guide-paths a{padding:22px;background:var(--light);border:1px solid var(--line);border-radius:3px}.guide-paths a:hover{border-color:var(--orange)}.guide-paths strong{font-size:16px;display:flex;justify-content:space-between;gap:12px;margin-bottom:8px;line-height:1.4}.guide-paths strong span{color:var(--orange)}.guide-paths a>span{font-size:13px;color:var(--muted);display:block;line-height:1.6}.guide-controls{display:grid;grid-template-columns:2fr 1fr;gap:24px;align-items:end}.guide-controls .search-field{max-width:none}.guide-controls select{min-height:56px}.article-body blockquote{border-left:3px solid var(--orange);background:var(--light);padding:20px 24px;margin:25px 0}.article-body blockquote p:last-child{margin-bottom:0}@media(max-width:760px){.guide-paths{grid-template-columns:1fr}.guide-controls{grid-template-columns:1fr;gap:0}.guide-start{margin-bottom:35px}.guide-paths a{padding:18px}.article-body blockquote{padding:18px}}.hero-guide{display:inline-block;margin-top:20px;color:#fff;text-decoration:underline;text-underline-offset:4px;font-size:15px;line-height:1.6}.hero-guide:hover{color:#fff}.article-illustration{margin:26px 0 32px}.article-illustration img{display:block;width:100%;height:auto;border-radius:12px}.article-illustration figcaption{margin-top:10px;font-size:14px;line-height:1.6;color:#536077}.legacy-anchor{display:block;scroll-margin-top:110px}.hero-r picture img{object-fit:contain;object-position:right center}@media(max-width:760px){.hero-r{flex-direction:column;align-items:stretch}.hero-r>.container{order:1}.hero-r .hero-content{padding-block:45px 15px}.hero-r picture{position:relative;inset:auto;order:2;z-index:0;width:100%;height:clamp(280px,85vw,360px);flex:none}.hero-r picture img{object-fit:cover;object-position:right center}}