@font-face{font-family:Hatton;src:url(/fonts/Hatton-Regular.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}@font-face{font-family:Hatton;src:url(/fonts/Hatton-Medium.woff2) format("woff2");font-weight:500;font-style:normal;font-display:swap}:root{--green-dark: #020617;--green-nav: #0f172a;--kelly: #1d4ed8;--kelly-deep: #1e3a8a;--white: #ffffff;--grey-faint: #cbd5e1;--grey-body: #1e293b;--grey-meta: #475569;--accent-firm: #1d4ed8;--accent-article: #e11d74;--accent-podcast: #c4a035;--font-serif: "Newsreader", "Times New Roman", serif;--font-hatton: "Hatton", "Newsreader", "Times New Roman", serif;--font-sans: "Inter", system-ui, -apple-system, sans-serif;--gutter-x: clamp(1.25rem, 4.2vw, 3.75rem);--measure-comfort: 42rem;--header-rule: rgba(2, 6, 23, .14)}*,*:before,*:after{box-sizing:border-box}html{scroll-behavior:smooth;overflow-x:clip}body{margin:0;min-height:100vh;min-height:100dvh;background:var(--white);color:var(--grey-body);font-family:var(--font-sans);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased;text-size-adjust:100%;-webkit-text-size-adjust:100%;overflow-x:clip}.shell{display:flex;flex-direction:column;min-height:100vh;min-height:100dvh;padding-left:env(safe-area-inset-left,0px);padding-right:env(safe-area-inset-right,0px)}.masthead{padding:clamp(1.5rem,2.6vw,2.35rem) var(--gutter-x) 0}.masthead__content{min-width:0}.masthead__logo-link{display:flex;justify-content:center;align-items:center;width:100%;margin:0 0 clamp(1.15rem,2.4vw,1.75rem);line-height:0;text-decoration:none}.masthead__logo-link:hover{opacity:.92}.masthead__logo-link:focus-visible{outline:2px solid var(--green-dark);outline-offset:6px;border-radius:2px}.masthead__logo{display:block;width:min(272px,74vw);max-width:100%;height:auto;aspect-ratio:442.69 / 81.59;object-fit:contain}.top{display:flex;align-items:center;justify-content:center;gap:1.25rem 1.75rem;padding:0 0 clamp(1.15rem,2.1vw,1.5rem);border-bottom:1px solid var(--header-rule)}.masthead .top{padding-top:0}.top__actions{display:flex;align-items:center;gap:clamp(1.25rem,2.5vw,1.85rem);flex-wrap:wrap;justify-content:center}.nav{display:flex;flex-wrap:wrap;align-items:center;gap:clamp(.85rem,1.8vw,1.5rem);justify-content:center}.nav a{font-size:clamp(11px,.32vw + 10.25px,12px);font-weight:600;letter-spacing:.085em;text-transform:uppercase;color:var(--green-dark);text-decoration:underline;text-decoration-color:transparent;text-underline-offset:.32em;text-decoration-thickness:1px;display:inline-flex;align-items:center;gap:.32rem;padding:.4rem 0;transition:color .2s ease,text-decoration-color .2s ease}.nav a:hover{color:var(--green-nav);text-decoration-color:#0f172a66}.nav a:focus-visible{outline:2px solid var(--green-dark);outline-offset:3px;border-radius:2px;text-decoration-color:transparent}.nav__chev{display:inline-block;width:0;height:0;border-left:2.5px solid transparent;border-right:2.5px solid transparent;border-top:3.5px solid currentColor;margin-top:1px;opacity:.55;flex-shrink:0}.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.masthead__mobile-bar,.mobile-nav__backdrop,.mobile-nav__drawer-head{display:none}.consumer-page--hub{max-width:min(76rem,100%);margin-inline:auto}.consumer-page__breadcrumb{margin:0 0 clamp(1.1rem,2.8vw,1.65rem)}.consumer-page--article .consumer-page__breadcrumb{margin-bottom:clamp(1.25rem,3vw,1.75rem)}.consumer-page__breadcrumb-list{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;align-items:center;gap:.25rem 0;font-size:.8125rem;line-height:1.45}.consumer-page__breadcrumb-item{display:inline-flex;align-items:center;max-width:100%}.consumer-page__breadcrumb-item:not(.consumer-page__breadcrumb-item--current):after{content:"/";margin:0 .5rem;color:var(--grey-meta);opacity:.5;font-weight:400;flex-shrink:0}.consumer-page__breadcrumb-link{color:var(--kelly-deep);font-weight:600;text-decoration:none;border-bottom:1px solid rgba(29,78,216,.28);padding-bottom:.06em;transition:border-color .15s ease,color .15s ease}.consumer-page__breadcrumb-link:hover{border-bottom-color:#1d4ed88c;color:var(--kelly-deep)}.consumer-page__breadcrumb-link:focus-visible{outline:2px solid var(--green-dark);outline-offset:2px;border-radius:2px}.consumer-page__breadcrumb-current{color:var(--grey-body);font-weight:600;line-height:1.35}.consumer-page--article{max-width:min(48rem,100%);margin-inline:auto;padding-bottom:clamp(2rem,5vw,3.5rem)}.consumer-page--article.consumer-guide{max-width:min(76rem,100%)}.consumer-page__topics{margin-bottom:clamp(2rem,5vw,3rem)}.consumer-page__topic-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(16rem,1fr));gap:.65rem}.consumer-page__topic-btn{display:flex;align-items:center;min-height:2.75rem;padding:.65rem .9rem;font-family:var(--font-sans);font-size:.875rem;font-weight:600;line-height:1.35;color:var(--green-dark);text-decoration:none;text-align:left;background:#1d4ed80f;border:1px solid rgba(29,78,216,.22);border-radius:6px;transition:background-color .15s ease,border-color .15s ease,color .15s ease}.consumer-page__topic-btn:hover{background:#1d4ed81c;border-color:#1d4ed859;color:var(--kelly-deep);text-decoration:none}.consumer-page__topic-btn:focus-visible{outline:2px solid var(--green-dark);outline-offset:2px}.consumer-page--hub .consumer-page__equestrian{margin-top:clamp(2rem,5vw,3rem);padding-top:clamp(1.75rem,4.5vw,2.5rem);border-top:1px solid var(--header-rule)}.consumer-page__hub-section-title{font-family:var(--font-hatton);font-size:clamp(1.22rem,1.4vw + .88rem,1.48rem);font-weight:400;color:var(--green-dark);margin:0 0 .75rem;letter-spacing:-.022em;line-height:1.18}.consumer-page__equestrian-intro{margin-top:0;margin-bottom:clamp(1.1rem,2.8vw,1.45rem);max-width:42rem;color:var(--grey-body)}.consumer-page__subheading{font-family:var(--font-serif);font-size:clamp(1.05rem,.25vw + 1rem,1.2rem);font-weight:600;color:var(--green-dark);margin:1.35rem 0 .65rem;line-height:1.3}.consumer-page--article .consumer-page__subheading{margin:clamp(2rem,4vw,2.75rem) 0 .85rem;padding-top:clamp(1.35rem,3vw,1.85rem);border-top:1px solid rgba(2,6,23,.09);font-size:clamp(1.08rem,.32vw + 1rem,1.3rem);letter-spacing:-.015em}.consumer-page--article .about-page__body>.consumer-page__subheading:first-of-type{margin-top:.15rem;padding-top:0;border-top:none}.consumer-page__list{margin:.45rem 0 1.35rem;padding-left:1.35rem;color:var(--grey-body);line-height:1.68}.consumer-page__list li{margin-bottom:.5rem}.consumer-page__list li:last-child{margin-bottom:0}.consumer-page__article-header{margin-bottom:0;padding-bottom:clamp(1.15rem,2.8vw,1.7rem);border-bottom:1px solid var(--header-rule);margin-bottom:clamp(1.5rem,3.5vw,2.25rem)}.consumer-page--article .about-page__title{margin-bottom:0;font-size:clamp(1.65rem,2.1vw + .95rem,2.2rem);line-height:1.16;letter-spacing:-.028em}.consumer-page__jurisdiction{margin:.85rem 0 0;max-width:42rem;font-size:clamp(.84rem,.22vw + .8rem,.92rem);line-height:1.55;color:var(--grey-meta)}.consumer-page__jurisdiction strong{color:var(--grey-body);font-weight:600}.consumer-page--article .about-page__body>.about-page__prose:first-of-type{font-size:clamp(1.04rem,.28vw + .96rem,1.12rem);line-height:1.72}.consumer-page--article .about-page__body .about-page__prose{margin-bottom:0}.consumer-page--article .about-page__body .about-page__prose+.about-page__prose:not(.consumer-page__back){margin-top:1.15rem}.consumer-page--article .about-page__body .about-page__prose+.consumer-page__list,.consumer-page--article .about-page__body .consumer-page__subheading+.about-page__prose{margin-top:.35rem}.consumer-page--article .about-page__body .about-page__prose a{color:var(--kelly-deep);font-weight:500;text-decoration:underline;text-decoration-color:#1d4ed866;text-underline-offset:.18em;text-decoration-thickness:1px}.consumer-page--article .about-page__body .about-page__prose a:hover{text-decoration-color:#1d4ed8bf}.consumer-page__back{margin-top:clamp(2.25rem,5vw,3.25rem);padding-top:clamp(1.5rem,3.5vw,2rem);border-top:2px solid color-mix(in srgb,var(--kelly) 35%,var(--header-rule))}.consumer-page__back a{font-weight:600;color:var(--kelly-deep);text-decoration:none;border-bottom:1px solid rgba(29,78,216,.35);padding-bottom:.08em;transition:border-color .15s ease}.consumer-page__back a:hover{border-bottom-color:var(--kelly-deep)}.consumer-page__back a:before{content:"← ";opacity:.65;font-weight:600}.consumer-tool__lede{margin:.85rem 0 0;display:flex;flex-direction:column;align-items:flex-start;gap:.55rem}.consumer-tool__start{display:inline-flex;align-items:center;justify-content:center;font-family:var(--font-sans);font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;text-decoration:none;color:var(--white);background:var(--green-dark);border:1px solid var(--green-dark);padding:.78rem 1.35rem;border-radius:6px;transition:background .2s ease,border-color .2s ease}.consumer-tool__start:hover{background:var(--kelly-deep);border-color:var(--kelly-deep);color:var(--white);text-decoration:none}.consumer-tool__start:focus-visible{outline:2px solid var(--green-dark);outline-offset:3px}.consumer-tool__start-note{font-size:clamp(.8rem,.2vw + .76rem,.88rem);line-height:1.45;color:var(--grey-meta);max-width:36rem}#faulty-goods-tool{scroll-margin-top:1.5rem}.consumer-tool.help-wizard{margin-top:clamp(2rem,4.5vw,2.75rem)}.search{display:inline-flex;align-items:center;justify-content:center;background:none;border:none;padding:.5rem;margin:-.5rem -.5rem -.5rem 0;min-width:2.75rem;min-height:2.75rem;cursor:pointer;color:var(--green-dark);line-height:0;border-radius:4px;border-left:1px solid var(--header-rule);touch-action:manipulation;padding-left:clamp(1rem,2vw,1.25rem);margin-left:clamp(.35rem,1vw,.65rem);transition:color .2s ease,background-color .2s ease}.search:hover{color:var(--green-nav);background-color:#0206170d}.search:focus-visible{outline:2px solid var(--green-dark);outline-offset:2px}.masthead__contact{display:flex;flex-direction:column;align-items:center;gap:.2rem;border-left:1px solid var(--header-rule);padding:.5rem 0;padding-left:clamp(.85rem,1.8vw,1.2rem);margin-left:clamp(.2rem,.7vw,.45rem);text-align:center;line-height:1.3}@media(min-width:601px){.masthead__contact{flex-direction:row;flex-wrap:wrap;align-items:center;justify-content:flex-end;gap:.45rem .55rem;text-align:right;max-width:min(100%,22rem)}}.masthead__contact-sep{display:none;color:var(--grey-meta);font-weight:700;font-size:1.1em;line-height:1;opacity:.72;-webkit-user-select:none;user-select:none}@media(min-width:601px){.masthead__contact-sep{display:block;margin:0 -.05rem}}.masthead__email,.masthead__phone{font-size:clamp(10.5px,.32vw + 9.5px,12px);font-weight:600;color:var(--kelly-deep);text-decoration:none;white-space:nowrap;transition:color .2s ease}.masthead__email{display:inline-flex;align-items:center;letter-spacing:.015em}.masthead__phone{display:inline-block;font-variant-numeric:tabular-nums;letter-spacing:normal}.masthead__email:hover,.masthead__phone:hover{color:var(--green-dark);text-decoration:underline;text-underline-offset:.18em}.masthead__email:focus-visible,.masthead__phone:focus-visible{outline:2px solid var(--green-dark);outline-offset:3px;border-radius:2px}main{flex:1;padding:0 var(--gutter-x) calc(clamp(3.5rem,9vh,5.75rem) + env(safe-area-inset-bottom,0px))}.page-main{flex:1;padding:0 var(--gutter-x) calc(clamp(3.5rem,9vh,5.75rem) + env(safe-area-inset-bottom,0px))}.about-page{padding-bottom:clamp(1rem,3vw,2rem)}.about-page__header{margin-bottom:clamp(1.75rem,4vw,2.5rem);padding-bottom:clamp(1.2rem,2.5vw,1.65rem);border-bottom:1px solid var(--header-rule)}.about-page__title{font-family:var(--font-hatton);font-size:clamp(1.85rem,2.8vw + .65rem,2.75rem);line-height:1.11;color:var(--green-dark);letter-spacing:-.028em;margin:0;font-weight:400}.about-page__title--page{font-size:clamp(1.85rem,2.4vw + .85rem,2.45rem);letter-spacing:-.026em;line-height:1.12}.about-page__intro{margin-bottom:clamp(2rem,4.5vw,2.85rem);padding:clamp(1.35rem,3vw,1.9rem) clamp(1.35rem,3vw,1.85rem);background:color-mix(in srgb,var(--green-dark) 2.8%,var(--white));border:1px solid rgba(2,6,23,.09);border-radius:12px;border-left:4px solid var(--kelly);box-shadow:0 6px 28px #0206170f}.about-page__intro .about-page__prose{max-width:none;font-size:clamp(1.04rem,.32vw + .96rem,1.15rem);line-height:1.72;color:var(--grey-body)}.about-page__section{margin-bottom:clamp(2.35rem,4.8vw,3.15rem)}.about-page__section:last-child{margin-bottom:0}.about-page--layout{max-width:min(76rem,100%);margin-inline:auto}.about-page--layout .about-page__header--editorial{border-bottom:none;padding-bottom:.35rem;margin-bottom:0}.about-page__hero{margin:0 calc(-1 * var(--gutter-x)) clamp(1.5rem,4vw,2.25rem);padding:clamp(1.75rem,4vw,2.85rem) var(--gutter-x) clamp(1.85rem,4.2vw,2.95rem);background:radial-gradient(120% 85% at 100% -10%,color-mix(in srgb,var(--kelly) 16%,transparent),transparent 52%),radial-gradient(80% 55% at -5% 105%,color-mix(in srgb,var(--green-dark) 7%,transparent),transparent 45%),linear-gradient(168deg,color-mix(in srgb,var(--green-dark) 3.5%,var(--white)) 0%,var(--white) 52%);border-bottom:1px solid var(--header-rule);border-radius:0 0 clamp(12px,2.2vw,20px) clamp(12px,2.2vw,20px)}.about-page__hero .about-page__title--page{font-size:clamp(2rem,2.6vw + 1rem,2.85rem)}.about-page__hero .about-page__deck{max-width:38rem;font-size:clamp(1.08rem,.4vw + 1rem,1.28rem)}.about-page__hero-chips{list-style:none;margin:clamp(1.15rem,2.5vw,1.5rem) 0 0;padding:0;display:flex;flex-wrap:wrap;gap:.5rem .65rem}.about-page__hero-chip{margin:0;padding:.38rem .85rem;font-size:.7rem;font-weight:600;letter-spacing:.07em;text-transform:uppercase;color:var(--kelly-deep);background:color-mix(in srgb,var(--white) 82%,var(--kelly) 18%);border:1px solid color-mix(in srgb,var(--kelly) 30%,rgba(2,6,23,.1));border-radius:999px;box-shadow:0 1px #ffffffb3 inset}.about-page__jump{position:sticky;top:0;z-index:8;margin:0 calc(-1 * var(--gutter-x)) clamp(1.35rem,3vw,1.85rem);padding:.55rem var(--gutter-x);background:color-mix(in srgb,var(--white) 92%,transparent);backdrop-filter:blur(12px) saturate(1.2);-webkit-backdrop-filter:blur(12px) saturate(1.2);border-bottom:1px solid var(--header-rule)}.about-page__jump-list{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.35rem .45rem;justify-content:center}@media(min-width:768px){.about-page__jump-list{justify-content:flex-start}}.about-page__jump a{display:inline-block;padding:.42rem .78rem;font-size:.68rem;font-weight:600;letter-spacing:.055em;text-transform:uppercase;text-decoration:none;color:var(--green-nav);border-radius:7px;border:1px solid transparent;transition:background-color .15s ease,border-color .15s ease,color .15s ease}.about-page__jump a:hover{background:color-mix(in srgb,var(--kelly) 11%,var(--white));border-color:color-mix(in srgb,var(--kelly) 28%,rgba(2,6,23,.08));color:var(--green-dark)}.about-page__jump a:focus-visible{outline:2px solid var(--green-dark);outline-offset:2px}#about-intro,#about-story,#about-who,#about-how,#about-costs,#about-regulatory,#about-reading{scroll-margin-top:5.75rem}@media(max-width:599px){#about-intro,#about-story,#about-who,#about-how,#about-costs,#about-regulatory,#about-reading{scroll-margin-top:4rem}}.about-page--layout .about-page__intro-split{margin-bottom:clamp(2.5rem,5vw,3.5rem)}.about-page--layout .about-page__section--timeline{padding:clamp(1.85rem,3.5vw,2.65rem) clamp(1rem,2.5vw,1.5rem);margin-left:calc(-1*min(1rem,var(--gutter-x)));margin-right:calc(-1*min(1rem,var(--gutter-x)));background:color-mix(in srgb,var(--green-dark) 2.2%,var(--white));border:1px solid rgba(2,6,23,.07);border-radius:14px}.about-page--layout .about-page__timeline{max-width:48rem;margin-inline:auto}.about-page--layout .about-page__timeline-body{background:var(--white);border:1px solid rgba(2,6,23,.08);border-radius:12px;padding:clamp(1.05rem,2vw,1.25rem) clamp(1.05rem,2.2vw,1.35rem);box-shadow:0 6px 26px #0206170f}.about-page--layout .about-page__timeline-item:not(:last-child):after{top:2.95rem;bottom:.5rem}.about-page--layout .about-page__section#about-who{padding-bottom:clamp(.25rem,1vw,.5rem)}.about-page--layout .about-page__section#about-how .about-page__heading{margin-bottom:1.35rem}.about-page--layout .about-page__section--regulatory.about-page__section--regulatory-split{padding:0;background:transparent;border:none;box-shadow:none;gap:clamp(1rem,2.5vw,1.35rem)}.about-page--layout .about-page__regulatory-intro,.about-page--layout .about-page__regulatory-detail{padding:clamp(1.25rem,2.8vw,1.65rem);background:var(--white);border:1px solid rgba(2,6,23,.09);border-radius:12px;box-shadow:0 8px 30px #0206170e}.about-page--layout .about-page__regulatory-intro{border-left:4px solid var(--kelly)}.about-page--layout .about-page__regulatory-detail{border-left:4px solid color-mix(in srgb,var(--kelly-deep) 65%,var(--green-dark) 35%)}.about-page--layout .about-page__section--reading{margin-top:clamp(2.25rem,4.5vw,3rem)}@media(prefers-reduced-motion:reduce){.about-page__jump a{transition:none}}.about-page__kicker{font-size:10px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--kelly-deep);margin:0 0 .65rem}.about-page__deck{margin:.85rem 0 0;max-width:42rem;font-size:clamp(1.05rem,.35vw + .98rem,1.2rem);line-height:1.55;color:var(--grey-body)}.about-page__deck strong{color:var(--green-dark);font-weight:600}.about-page__intro-split{display:grid;gap:clamp(1.25rem,3vw,2rem);margin-bottom:clamp(2.25rem,5vw,3.25rem);align-items:start}@media(min-width:768px){.about-page__intro-split{grid-template-columns:minmax(0,1fr) minmax(260px,340px)}}.about-page__intro--lead{margin-bottom:0}.about-page__glance{margin:0;padding:clamp(1.2rem,2.5vw,1.55rem) clamp(1.15rem,2.5vw,1.45rem);padding-top:clamp(1.35rem,2.8vw,1.65rem);background:var(--white);border:1px solid rgba(2,6,23,.1);border-radius:12px;box-shadow:0 8px 30px #0206170f;position:relative}.about-page__glance:before{content:"";position:absolute;top:0;left:0;right:0;height:3px;border-radius:12px 12px 0 0;background:linear-gradient(90deg,var(--kelly),var(--kelly-deep))}.about-page__glance-title{font-family:var(--font-hatton);font-size:1.05rem;font-weight:400;color:var(--green-dark);margin:0 0 .85rem;letter-spacing:-.02em}.about-page__glance-list{margin:0;padding:0 0 0 1.15rem;list-style:disc;color:var(--grey-body);font-size:clamp(.92rem,.2vw + .88rem,.98rem);line-height:1.65}.about-page__glance-list li+li{margin-top:.65rem}.about-page__section--timeline{padding:clamp(1.5rem,3vw,2rem) 0;border-top:1px solid var(--header-rule);border-bottom:1px solid var(--header-rule)}.about-page__timeline{list-style:none;margin:0;padding:0;max-width:44rem}.about-page__timeline-item{display:grid;grid-template-columns:auto 1fr;gap:.85rem 1.15rem;position:relative;padding-bottom:1.5rem}.about-page__timeline-item:last-child{padding-bottom:0}.about-page__timeline-item:not(:last-child):after{content:"";position:absolute;left:calc(1.15rem - 1px);top:2.55rem;bottom:.35rem;width:2px;background:linear-gradient(180deg,var(--kelly),color-mix(in srgb,var(--kelly) 15%,var(--white)));border-radius:1px}.about-page__timeline-marker{display:flex;align-items:center;justify-content:center;width:2.3rem;height:2.3rem;border-radius:50%;background:var(--green-dark);color:var(--white);font-size:.8rem;font-weight:700;font-family:var(--font-sans);flex-shrink:0;z-index:1}.about-page__timeline-title{font-family:var(--font-sans);font-size:.78rem;font-weight:600;text-transform:uppercase;letter-spacing:.07em;color:var(--kelly-deep);margin:0 0 .35rem}.about-page__timeline-body .about-page__prose{font-size:clamp(.98rem,.22vw + .93rem,1.05rem)}.about-page__panels{display:grid;gap:1rem;margin-bottom:1.25rem}@media(min-width:640px){.about-page__panels{grid-template-columns:1fr 1fr;gap:1.15rem}}.about-page__panel{padding:clamp(1.1rem,2.2vw,1.35rem) clamp(1.1rem,2.2vw,1.4rem);background:color-mix(in srgb,var(--green-dark) 2.5%,var(--white));border:1px solid rgba(2,6,23,.08);border-radius:10px}.about-page__panel--emphasis{background:color-mix(in srgb,var(--kelly) 8%,var(--white));border-color:color-mix(in srgb,var(--kelly) 32%,rgba(2,6,23,.12))}.about-page__panel-title{font-family:var(--font-hatton);font-size:1.08rem;color:var(--green-dark);margin:0 0 .65rem;font-weight:400;letter-spacing:-.02em}.about-page__prose--full{max-width:50rem}.about-page__feature-grid{list-style:none;margin:0 0 1.25rem;padding:0;display:grid;gap:1rem}@media(min-width:720px){.about-page__feature-grid{grid-template-columns:repeat(3,1fr);gap:1.15rem}}.about-page__feature{margin:0;padding:clamp(1.1rem,2vw,1.35rem);border:1px solid var(--header-rule);border-radius:10px;background:var(--white);transition:border-color .2s ease,box-shadow .2s ease}.about-page__feature:hover{border-color:color-mix(in srgb,var(--kelly) 45%,var(--header-rule));box-shadow:0 10px 36px #02061712}@media(prefers-reduced-motion:reduce){.about-page__feature{transition:none}}.about-page__feature-icon{display:block;font-size:1.1rem;color:var(--kelly-deep);margin-bottom:.5rem;line-height:1}.about-page__feature-title{font-family:var(--font-hatton);font-size:1.02rem;font-weight:400;color:var(--green-dark);margin:0 0 .45rem;letter-spacing:-.02em}.about-page__feature-text{margin:0;font-size:clamp(.93rem,.18vw + .89rem,.99rem);line-height:1.6;color:var(--grey-body)}.about-page__band{margin:clamp(2rem,4.5vw,3rem) calc(-1 * var(--gutter-x)) clamp(2rem,4.5vw,3rem);padding:clamp(2rem,4.5vw,3.25rem) var(--gutter-x);background:linear-gradient(180deg,color-mix(in srgb,var(--kelly) 7%,var(--white)),color-mix(in srgb,var(--green-dark) 3.5%,var(--white)));border-top:1px solid rgba(2,6,23,.06);border-bottom:1px solid rgba(2,6,23,.06)}.about-page__section--in-band{margin-bottom:0;max-width:var(--measure-comfort)}.about-page__section--in-band .about-page__heading{border-bottom-color:color-mix(in srgb,var(--kelly) 55%,var(--green-dark) 45%)}.about-page__section--costs-with-lottie{max-width:min(72rem,100%);margin-inline:auto}.about-page__costs-lottie-row{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:clamp(1.35rem,3.5vw,2.5rem);align-items:start}.about-page__costs-copy{min-width:0;max-width:var(--measure-comfort)}.about-page__costs-lottie{flex-shrink:0;width:min(300px,100%);position:sticky;top:1rem}.about-page__costs-lottie dotlottie-wc{display:block;margin-inline:auto}@media(max-width:767px){.about-page__costs-lottie-row{grid-template-columns:1fr}.about-page__costs-lottie{position:static;width:min(300px,85vw);justify-self:center}.about-page__costs-lottie dotlottie-wc{width:min(300px,85vw)!important;height:min(300px,85vw)!important}}.about-page__section--regulatory-split{display:grid;gap:1.25rem 2.25rem}@media(min-width:768px){.about-page__section--regulatory-split{grid-template-columns:minmax(0,1fr) minmax(0,1fr);align-items:start}}.about-page__section--reading{margin-top:clamp(2rem,4vw,2.75rem);margin-bottom:0}.about-page__reading-inner{display:flex;flex-direction:column;gap:1.25rem;padding:clamp(1.5rem,3vw,2rem) clamp(1.35rem,3vw,1.85rem);background:var(--green-dark);color:var(--white);border-radius:12px;align-items:flex-start}@media(min-width:640px){.about-page__reading-inner{flex-direction:row;align-items:center;justify-content:space-between;gap:1.75rem}}.about-page__reading-copy .about-page__heading--plain{color:var(--white);border-bottom-color:var(--kelly)}.about-page__reading-copy .about-page__prose{color:#ffffffe6;margin:0}.about-page__reading-btn{background:var(--white)!important;color:var(--green-dark)!important}.about-page__reading-btn:hover{background:var(--kelly)!important;color:var(--white)!important}.about-page__section--regulatory{padding:clamp(1.35rem,3vw,1.85rem) clamp(1.3rem,2.8vw,1.75rem) clamp(1.45rem,3vw,1.95rem);background:color-mix(in srgb,var(--green-dark) 2.4%,var(--white));border:1px solid rgba(2,6,23,.1);border-radius:10px;box-shadow:0 4px 20px #0206170d}.about-page__heading{font-family:var(--font-hatton);font-size:clamp(1.22rem,1.35vw + .78rem,1.52rem);font-weight:400;color:var(--green-dark);letter-spacing:-.022em;margin:0 0 1.15rem;line-height:1.22;padding-bottom:.65rem;border-bottom:2px solid var(--kelly)}.about-page__section--regulatory .about-page__heading{border-bottom-color:color-mix(in srgb,var(--kelly) 75%,var(--green-dark) 25%)}.about-page__heading--plain{margin-bottom:.65rem}.about-page__prose{margin:0;color:var(--grey-body);font-size:clamp(1rem,.26vw + .95rem,1.08rem);line-height:1.72;overflow-wrap:break-word}.about-page__prose+.about-page__prose{margin-top:1.15rem}.about-page .about-page__prose strong{color:var(--green-dark);font-weight:600}.about-page__rates-wrap{overflow-x:auto;margin:.65rem 0 1.1rem;-webkit-overflow-scrolling:touch}.about-page__rates-wrap+.about-page__prose{margin-top:1.15rem}.about-page__rates{width:100%;max-width:32rem;border-collapse:collapse;font-size:clamp(.94rem,.2vw + .9rem,1rem);line-height:1.5}.about-page__rates-caption{caption-side:top;text-align:left;font-weight:600;color:var(--green-dark);font-size:.88em;padding:0 0 .65rem}.about-page__rates th,.about-page__rates td{text-align:left;padding:.55rem .85rem .55rem 0;border-bottom:1px solid var(--header-rule);vertical-align:top}.about-page__rates thead th{font-weight:600;color:var(--green-dark);font-size:.78em;text-transform:uppercase;letter-spacing:.04em;border-bottom:2px solid var(--header-rule)}.about-page__rates tbody th{font-weight:500;color:var(--grey-body)}.about-page__cta-wrap{margin-top:1.35rem}.about-page__inline-cta{margin-top:0}.nav a[aria-current=page]{color:var(--green-nav);text-decoration-color:#0f172a6b}.pricing-page{max-width:min(50rem,100%);margin-inline:auto}.pricing-page__hero{margin:0 calc(-1 * var(--gutter-x)) clamp(1.5rem,4vw,2.35rem);padding:clamp(1.6rem,3.8vw,2.65rem) var(--gutter-x);background:radial-gradient(118% 92% at 100% 0%,color-mix(in srgb,var(--kelly) 15%,transparent),transparent 56%),radial-gradient(72% 52% at 0% 100%,color-mix(in srgb,var(--green-dark) 7%,transparent),transparent 50%),linear-gradient(172deg,color-mix(in srgb,var(--green-dark) 3.2%,var(--white)) 0%,var(--white) 58%);border-bottom:1px solid var(--header-rule);border-radius:0 0 clamp(14px,2.5vw,22px) clamp(14px,2.5vw,22px)}.pricing-page__hero-head{max-width:44rem}.pricing-page__hero .eyebrow{margin-bottom:.65rem}.pricing-page__hero .about-page__title--page{margin-bottom:.9rem}.pricing-page__deck{margin:0 0 clamp(1.05rem,2.2vw,1.35rem);font-size:clamp(1.04rem,.34vw + .95rem,1.2rem);line-height:1.58;color:var(--grey-body);max-width:38rem}.pricing-page__chips{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.5rem .65rem}.pricing-page__chips li{margin:0;padding:.4rem .88rem;font-size:.68rem;font-weight:600;letter-spacing:.07em;text-transform:uppercase;color:var(--kelly-deep);background:color-mix(in srgb,var(--white) 80%,var(--kelly) 20%);border:1px solid color-mix(in srgb,var(--kelly) 28%,rgba(2,6,23,.1));border-radius:999px;box-shadow:0 1px #ffffffa6 inset}.pricing-page .about-page__intro.pricing-page__intro{margin-bottom:clamp(2rem,4.5vw,2.85rem)}.pricing-page__body{padding-bottom:0}.pricing-page__sections{display:grid;gap:clamp(1.15rem,2.6vw,1.5rem)}@media(min-width:820px){.pricing-page__sections{grid-template-columns:repeat(2,minmax(0,1fr));align-items:stretch}.pricing-page__card--full,.pricing-page__card--cta{grid-column:1 / -1}}.pricing-page__card{margin:0;padding:clamp(1.35rem,2.9vw,1.8rem) clamp(1.3rem,2.7vw,1.7rem);background:var(--white);border:1px solid rgba(2,6,23,.08);border-radius:12px;box-shadow:0 4px 22px #0206170b;position:relative;overflow:hidden;transition:border-color .2s ease,box-shadow .2s ease}.pricing-page__card:before{content:"";position:absolute;top:0;left:0;width:3px;height:100%;background:linear-gradient(180deg,var(--kelly) 0%,var(--kelly-deep) 100%);opacity:.9;border-radius:12px 0 0 12px}@media(prefers-reduced-motion:reduce){.pricing-page__card{transition:none}}.pricing-page__card:hover{border-color:color-mix(in srgb,var(--kelly) 32%,rgba(2,6,23,.1));box-shadow:0 10px 36px #02061713}.pricing-page__card .about-page__heading{position:relative;margin-top:0;margin-bottom:.85rem;padding-bottom:.65rem;border-bottom:2px solid color-mix(in srgb,var(--kelly) 38%,rgba(2,6,23,.12));font-size:clamp(1.1rem,1.15vw + .74rem,1.34rem)}.pricing-page__card .about-page__prose+.about-page__prose{margin-top:1rem}.pricing-page__card--cta{background:linear-gradient(145deg,var(--green-dark) 0%,color-mix(in srgb,var(--green-dark) 78%,var(--kelly-deep) 22%) 48%,color-mix(in srgb,var(--green-dark) 70%,var(--kelly) 30%) 100%);color:var(--white);border-color:#ffffff24;box-shadow:0 14px 44px #02061738}.pricing-page__card--cta:before{background:linear-gradient(180deg,#3b82f6 0%,var(--kelly) 55%,var(--kelly-deep) 100%);opacity:1}.pricing-page__card--cta:hover{border-color:#ffffff38;box-shadow:0 16px 48px #02061747}.pricing-page__card--cta .about-page__heading{color:var(--white);border-bottom-color:#ffffff52}.pricing-page__card--cta .about-page__prose{color:#ffffffeb}.pricing-page__card--cta .about-page__prose strong{color:var(--white);font-weight:600}.site-footer{margin-top:auto;background-color:color-mix(in srgb,var(--green-dark) 3.2%,var(--white));border-top:1px solid var(--header-rule)}.site-footer__upper{padding:clamp(2.5rem,5.5vw,4rem) var(--gutter-x) 0}.site-footer__grid{display:grid;grid-template-columns:minmax(0,1.28fr) repeat(3,minmax(0,1fr));gap:clamp(1.75rem,4vw,2.75rem) clamp(1.5rem,3vw,2.25rem);padding-bottom:clamp(2.25rem,4.5vw,3.25rem);border-bottom:1px solid var(--header-rule)}.site-footer__brand-link{display:inline-block;line-height:0;text-decoration:none;margin-bottom:1.05rem}.site-footer__brand-link:hover{opacity:.9}.site-footer__brand-link:focus-visible{outline:2px solid var(--green-dark);outline-offset:4px;border-radius:2px}.site-footer__logo{display:block;width:min(196px,52vw);height:auto;aspect-ratio:442.69 / 81.59;object-fit:contain}.site-footer__tagline{margin:0;font-size:clamp(13px,.32vw + 12px,14.5px);line-height:1.58;color:var(--grey-body);max-width:30rem}.site-footer__title{margin:0 0 1.05rem;font-family:var(--font-sans);font-size:10px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--green-dark)}.site-footer__list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.62rem}.site-footer__list a{font-size:clamp(13px,.22vw + 12px,14px);font-weight:500;color:var(--green-nav);text-decoration:none;transition:color .2s ease,border-color .2s ease;border-bottom:1px solid transparent;width:fit-content}.site-footer__list a:hover{color:var(--green-dark);border-bottom-color:#0f172a47}.site-footer__list a:focus-visible{outline:2px solid var(--green-dark);outline-offset:2px;border-radius:2px}.site-footer__contact-lead{margin:0 0 .8rem;font-size:clamp(13px,.22vw + 12px,14px);font-weight:500;line-height:1.58;color:var(--grey-body)}.site-footer__contact-note{margin:0;font-size:clamp(12px,.18vw + 11px,13px);line-height:1.58;color:var(--grey-meta)}.site-footer__legal{padding:clamp(1.35rem,3vw,1.85rem) var(--gutter-x) calc(clamp(1.45rem,3.5vw,2rem) + env(safe-area-inset-bottom,0px));background-color:color-mix(in srgb,var(--green-dark) 1.5%,var(--white))}.site-footer__credit{margin:0;max-width:none;font-size:clamp(10.5px,.2vw + 10px,11.75px);line-height:1.62;color:var(--grey-meta)}@media(max-width:900px){.site-footer__grid{grid-template-columns:repeat(2,minmax(0,1fr))}.site-footer__brand{grid-column:1 / -1}.site-footer__grid>.site-footer__col:last-child{grid-column:1 / -1}}@media(max-width:560px){.site-footer__grid{grid-template-columns:1fr}}.hero{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.88fr);gap:clamp(2rem,4.8vw,3.5rem);align-items:center;padding-bottom:clamp(2.75rem,7vw,5rem)}.hero__media{display:flex;flex-direction:column;min-width:0}.hero__video-wrap{position:relative;aspect-ratio:16 / 9;width:100%;max-height:min(54vh,500px);margin:0 auto;background:#020617;overflow:hidden}.hero__video{width:100%;height:100%;object-fit:cover;object-position:center;display:block}.hero__video--base{filter:grayscale(100%) contrast(1.06)}.hero__video--spot{position:absolute;top:0;right:0;bottom:0;left:0;z-index:1;pointer-events:none;filter:none;clip-path:circle(clamp(4.5rem,26vmin,10.5rem) at 50% 50%)}.hero__copy{max-width:var(--measure-comfort);padding-top:.15rem;min-width:0}.eyebrow{font-size:clamp(9.5px,.25vw + 9px,10.5px);font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--green-dark);margin:0 0 clamp(.95rem,2vw,1.35rem);line-height:1.5}.hero__title{font-family:var(--font-hatton);font-weight:400;font-size:clamp(1.8rem,2.65vw + .85rem,2.875rem);line-height:1.11;color:var(--green-dark);margin:0 0 clamp(1.1rem,2.2vw,1.5rem);letter-spacing:-.028em}.hero__lede{margin:0;color:var(--grey-body);font-size:clamp(1rem,.28vw + .94rem,1.125rem);font-weight:400;line-height:1.65;max-width:min(40rem,100%)}.hero__lede+.hero__lede{margin-top:clamp(1rem,2.2vw,1.45rem)}.hero__copy>.hero__lede:last-of-type{margin-bottom:clamp(1.75rem,3.5vw,2.35rem)}.hero__lede strong{font-weight:600;color:var(--green-dark)}.cta{display:inline-flex;align-items:center;gap:.75rem;font-size:clamp(9.75px,.2vw + 9.25px,10.75px);font-weight:700;letter-spacing:.17em;text-transform:uppercase;color:var(--green-dark);text-decoration:none;transition:color .2s}.cta:hover{color:var(--kelly-deep)}.cta__accent{width:3px;align-self:stretch;min-height:1.25rem;background:var(--kelly);flex-shrink:0}.cta__arrow{font-size:.95rem;font-weight:400;transition:transform .2s}.cta:hover .cta__arrow{transform:translate(3px)}.about-band{padding-top:clamp(2rem,5vw,3.5rem);border-top:none}.about-band__label{font-size:10px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--green-dark);margin:0 0 1.25rem}.about-band__row{display:grid;grid-template-columns:1fr auto;gap:0;align-items:stretch;margin-right:calc(-1 * var(--gutter-x))}.about-band__title{--title-fill: 0%;font-family:var(--font-serif);font-weight:400;font-size:clamp(2.05rem,3.85vw + .35rem,3.35rem);line-height:1.14;margin:0;padding-right:clamp(1.25rem,3.5vw,2.5rem);letter-spacing:-.022em;max-width:min(50rem,100%);overflow-wrap:break-word;color:transparent;background-image:linear-gradient(90deg,var(--green-dark) 0%,var(--green-dark) max(0%,calc(var(--title-fill) - 4.25%)),color-mix(in srgb,var(--green-dark) 34%,var(--grey-faint) 66%) var(--title-fill),var(--grey-faint) min(100%,calc(var(--title-fill) + 5%)),var(--grey-faint) 100%);-webkit-background-clip:text;background-clip:text}.about-band__title--reduced{color:var(--green-dark);background-image:none;-webkit-background-clip:unset;background-clip:unset;font-weight:700!important}.about-band__stripe{width:clamp(3rem,5.5vw,4.5rem);background:var(--kelly);align-self:stretch}.about-action{margin-top:clamp(2rem,4.5vw,3.5rem);max-width:none}.about-action__inner{display:flex;flex-direction:column;align-items:flex-start;gap:1.25rem;padding:clamp(1.4rem,3vw,2rem) clamp(1.35rem,3vw,2rem);padding-left:clamp(1.15rem,2.5vw,1.65rem);border:1px solid rgba(2,6,23,.12);border-left:4px solid var(--kelly);background:var(--white);box-shadow:0 14px 44px #02061712}.about-action__title{font-family:var(--font-hatton);font-size:clamp(1.3rem,2.4vw,1.6rem);font-weight:400;line-height:1.15;color:var(--green-dark);margin:0;letter-spacing:-.02em}.about-action__cta{display:inline-flex;align-items:center;gap:.55rem;font-size:10px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--white);background:var(--green-dark);text-decoration:none;padding:.88rem 1.35rem;transition:background .2s ease,transform .2s ease}.about-action__cta:hover{background:var(--kelly-deep)}.about-action__cta:after{content:"→";font-size:.95rem;font-weight:400;letter-spacing:0;transition:transform .2s ease}.about-action__cta:hover:after{transform:translate(3px)}.help-wizard{margin-top:clamp(1.75rem,4vw,2.5rem)}.help-wizard__panel{padding:clamp(1.35rem,3vw,1.85rem) clamp(1.35rem,3vw,1.85rem);background:var(--white);border:1px solid rgba(2,6,23,.1);border-left:4px solid var(--kelly);border-radius:12px;box-shadow:0 8px 32px #02061712;outline:none}.help-wizard__panel:focus-visible{box-shadow:0 8px 32px #02061712,0 0 0 2px var(--green-dark)}.help-wizard__title{font-family:var(--font-hatton);font-size:clamp(1.2rem,1.8vw + .65rem,1.45rem);font-weight:400;color:var(--green-dark);letter-spacing:-.02em;margin:0 0 .65rem;line-height:1.2}.help-wizard__disclaimer{margin:0 0 1.25rem;font-size:clamp(11px,.25vw + 10px,12.5px);line-height:1.5;color:var(--grey-meta)}.help-wizard__step[hidden]{display:none!important}.help-wizard__question{margin:0 0 .5rem;font-size:clamp(1rem,.28vw + .94rem,1.08rem);font-weight:600;color:var(--green-dark);line-height:1.45}.help-wizard__hint{margin:0 0 1.15rem;font-size:clamp(.9375rem,.22vw + .9rem,1.02rem);line-height:1.55;color:var(--grey-meta)}.help-wizard__text{margin:0 0 1rem;font-size:clamp(.98rem,.26vw + .92rem,1.06rem);line-height:1.65;color:var(--grey-body)}.help-wizard__text:last-of-type{margin-bottom:0}.help-wizard__step--result .help-wizard__text{margin-bottom:.85rem}.help-wizard__result-title{margin:0 0 .75rem;font-family:var(--font-sans);font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--kelly-deep)}.help-wizard__step--caution .help-wizard__result-title{color:var(--green-nav)}.help-wizard__actions{display:flex;flex-wrap:wrap;align-items:center;gap:.65rem .85rem;margin-top:1.25rem}.help-wizard__actions--stack{flex-direction:column;align-items:stretch}.help-wizard__actions--stack .help-wizard__btn,.help-wizard__actions--stack .help-wizard__btn--primary{width:100%;justify-content:center}.help-wizard__actions--stack .help-wizard__btn--ghost{width:100%}.help-wizard__btn{display:inline-flex;align-items:center;justify-content:center;font-family:var(--font-sans);font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;text-decoration:none;color:var(--green-dark);background:color-mix(in srgb,var(--green-dark) 5%,var(--white));border:1px solid rgba(2,6,23,.18);padding:.72rem 1.15rem;border-radius:6px;cursor:pointer;transition:background .2s ease,border-color .2s ease,color .2s ease}.help-wizard__btn:hover{background:color-mix(in srgb,var(--green-dark) 9%,var(--white));border-color:#02061742}.help-wizard__btn:focus-visible{outline:2px solid var(--green-dark);outline-offset:2px}.help-wizard__btn--primary{color:var(--white);background:var(--green-dark);border-color:var(--green-dark)}.help-wizard__btn--primary:hover{background:var(--kelly-deep);border-color:var(--kelly-deep)}.help-wizard__btn--ghost{background:transparent;border-color:transparent;text-decoration:underline;text-underline-offset:.2em;padding-left:.35rem;padding-right:.35rem}.help-wizard__btn--ghost:hover{background:transparent;color:var(--green-nav)}@media(max-width:520px){.help-wizard__actions:not(.help-wizard__actions--stack){flex-direction:column;align-items:stretch}.help-wizard__actions:not(.help-wizard__actions--stack) .help-wizard__btn,.help-wizard__actions:not(.help-wizard__actions--stack) .help-wizard__btn--primary{width:100%;text-align:center}.help-wizard__actions:not(.help-wizard__actions--stack) .help-wizard__btn--ghost{width:auto;align-self:center}}.offers{padding-top:clamp(2.5rem,6vw,4.25rem);margin-top:clamp(2rem,5vw,3.25rem);border-top:1px solid rgba(2,6,23,.08)}.offers__eyebrow.eyebrow{margin-bottom:clamp(.85rem,2vw,1.15rem)}.offers__intro{margin-bottom:clamp(2rem,4.5vw,3rem);max-width:min(48rem,100%)}.offers__title{font-family:var(--font-hatton);font-size:clamp(1.65rem,2.5vw + .55rem,2.45rem);font-weight:400;line-height:1.1;color:var(--green-dark);letter-spacing:-.026em;margin:0 0 clamp(1rem,2vw,1.35rem)}.offers__lede{margin:0;font-size:clamp(1rem,.25vw + .95rem,1.125rem);line-height:1.65;color:var(--grey-body)}.offers__grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(1.2rem,2.6vw,1.65rem)}.offers__card{display:flex;flex-direction:column;height:100%;margin:0;padding:clamp(1.3rem,2.6vw,1.7rem) clamp(1.25rem,2.5vw,1.6rem) clamp(1.25rem,2.5vw,1.55rem);padding-left:clamp(1.15rem,2.4vw,1.45rem);background:var(--white);border:1px solid rgba(2,6,23,.1);border-left:3px solid var(--kelly);border-radius:12px;box-shadow:0 4px 22px #0206170f;transition:border-color .2s ease,box-shadow .25s ease}.offers__card:hover{border-color:#02061724;border-left-color:var(--kelly-deep);box-shadow:0 14px 40px #0206171a}.offers__card-title{font-family:var(--font-hatton);font-size:clamp(1.05rem,1.1vw + .78rem,1.28rem);font-weight:400;line-height:1.18;color:var(--green-dark);letter-spacing:-.02em;margin:0 0 .62rem}.offers__card-text{margin:0 0 1.05rem;font-size:clamp(.9375rem,.18vw + .9rem,1.0625rem);line-height:1.58;color:var(--grey-body);flex:1}.offers__link{margin-top:auto;font-size:10.5px;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--green-nav);text-decoration:none;width:fit-content;border-bottom:1px solid transparent;padding-bottom:1px;transition:color .2s ease,border-color .2s ease}.offers__link:hover{color:var(--green-dark);border-bottom-color:#0f172a59}.offers__link:focus-visible{outline:2px solid var(--green-dark);outline-offset:3px;border-radius:2px}.insights{padding-top:clamp(3rem,7vw,5rem);margin-top:clamp(2.5rem,6vw,4rem);border-top:1px solid rgba(2,6,23,.1);background:linear-gradient(180deg,color-mix(in srgb,var(--green-dark) 2.8%,var(--white)) 0%,var(--white) clamp(180px,28vw,320px))}.insights__header{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:1.25rem 2rem;margin-bottom:clamp(2rem,4vw,2.85rem);padding-bottom:clamp(1.25rem,2.5vw,1.65rem);border-bottom:1px solid rgba(2,6,23,.08)}.insights__heading{font-family:var(--font-hatton);font-weight:400;font-size:clamp(1.75rem,2.7vw + .55rem,2.6rem);line-height:1.08;color:var(--green-dark);letter-spacing:-.028em;margin:0;max-width:min(20ch,100%)}.insights__all{font-size:10px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--green-nav);text-decoration:none;display:inline-flex;align-items:center;gap:.45rem;white-space:nowrap}.insights__all:hover{opacity:.72}.insights__all-arrow{font-size:.95rem;font-weight:400;transition:transform .2s}.insights__all:hover .insights__all-arrow{transform:translate(3px)}.insights__grid{display:grid;grid-template-columns:1.22fr 1fr;gap:clamp(1.65rem,3.8vw,2.85rem);align-items:start}.insights__stack{display:flex;flex-direction:column;gap:clamp(1.15rem,2.4vw,1.65rem)}.insights-card__link{text-decoration:none;color:inherit}.insights-card--featured{border-radius:14px;overflow:hidden;background:var(--white);border:1px solid rgba(2,6,23,.1);box-shadow:0 10px 44px #02061714;transition:box-shadow .3s ease,border-color .2s ease}.insights-card--featured:hover{box-shadow:0 18px 56px #0206171f;border-color:#02061724}.insights-card__link--featured{display:block}.insights-card__figure{margin:0}.insights-card__figure--featured{overflow:hidden;aspect-ratio:3 / 2;background:#e2e8f0;border-bottom:1px solid rgba(2,6,23,.06)}.insights-card__figure--featured img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .6s cubic-bezier(.25,.46,.45,.94)}.insights-card__link--featured:hover .insights-card__figure--featured img{transform:scale(1.04)}.insights-card__title--featured{font-family:var(--font-hatton);font-weight:400;font-size:clamp(1.18rem,1.45vw + .68rem,1.48rem);line-height:1.19;color:var(--green-dark);margin:0;letter-spacing:-.022em;padding:clamp(1.2rem,2.4vw,1.55rem) clamp(1.25rem,2.5vw,1.7rem) 0}.insights-card__link--featured:hover .insights-card__title--featured{color:var(--green-nav)}.insights-card__link--featured:focus-visible .insights-card__title--featured{text-decoration:underline;text-underline-offset:.2em}.insights-meta{display:flex;align-items:center;gap:.6rem;width:100%}.insights-meta__bar{width:2px;height:14px;flex-shrink:0;border-radius:1px;align-self:center}.insights-meta__bar--firm{background:var(--accent-firm)}.insights-meta__bar--article{background:var(--accent-article)}.insights-meta__bar--podcast{background:var(--accent-podcast)}.insights-meta__type{font-size:10px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--green-dark);flex:1;min-width:0}.insights-meta__date{font-size:11px;font-weight:400;color:var(--grey-meta);flex-shrink:0}.insights-card__link--featured .insights-meta{padding:clamp(.85rem,1.8vw,1.1rem) clamp(1.25rem,2.5vw,1.7rem) clamp(1.2rem,2.4vw,1.55rem);margin-top:.35rem;border-top:1px solid rgba(2,6,23,.06);background:color-mix(in srgb,var(--green-dark) 1.8%,var(--white))}.insights-card--compact{border-radius:12px;overflow:hidden;background:var(--white);border:1px solid rgba(2,6,23,.1);box-shadow:0 4px 22px #0206170f;transition:box-shadow .25s ease,border-color .2s ease}.insights-card--compact:hover{box-shadow:0 12px 36px #0206171a;border-color:#02061724}.insights-card__link--compact{display:grid;grid-template-columns:minmax(108px,136px) 1fr;gap:0;align-items:stretch}.insights-card__link--compact:hover .insights-card__title--compact{color:var(--green-nav)}.insights-card__link--compact:focus-visible .insights-card__title--compact{text-decoration:underline;text-underline-offset:.18em}.insights-card__thumb{aspect-ratio:1;overflow:hidden;background:#e2e8f0;min-height:100%}.insights-card__thumb img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .5s cubic-bezier(.25,.46,.45,.94)}.insights-card__link--compact:hover .insights-card__thumb img{transform:scale(1.05)}.insights-card__body{padding:clamp(1rem,2.2vw,1.35rem) clamp(1.05rem,2.2vw,1.4rem) clamp(1rem,2.2vw,1.3rem);display:flex;flex-direction:column;justify-content:center;min-width:0}.insights-card__topic{font-size:10.5px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--grey-meta);margin:0 0 .5rem;line-height:1.35}.insights-card__title--compact{font-family:var(--font-hatton);font-weight:400;font-size:clamp(1.02rem,1.15vw + .82rem,1.18rem);line-height:1.22;color:var(--green-dark);margin:0 0 .75rem;letter-spacing:-.02em;transition:color .2s ease}.insights-card--compact .insights-meta{margin-top:0}@media(max-width:1024px){.about-band__row{margin-right:0}.about-band__stripe{width:100%;min-height:8px;grid-column:1 / -1;order:-1}.about-band__row{grid-template-columns:1fr}}@media(max-width:900px){.masthead{padding-top:1.25rem}.masthead__logo{width:min(248px,88vw)}.masthead .top{padding-bottom:1rem}.hero{grid-template-columns:1fr;gap:clamp(1.35rem,4vw,1.85rem)}.hero__video-wrap{max-height:min(44vh,400px)}.insights__grid{grid-template-columns:1fr}.insights__heading{max-width:none}.offers__grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:520px){.insights-card__link--compact{grid-template-columns:minmax(88px,102px) 1fr}}@media(max-width:640px){:root{--gutter-x: clamp(1.125rem, 4.25vw, 1.35rem)}.masthead{padding-top:clamp(1rem,3.2vw,1.35rem)}.masthead__logo-link--desktop{margin-bottom:clamp(.8rem,2.4vw,1.1rem)}main,.page-main{padding-bottom:calc(clamp(2.35rem,6.5vh,3.5rem) + env(safe-area-inset-bottom,0px))}.hero{gap:clamp(1.05rem,3.2vw,1.45rem);padding-bottom:clamp(1.85rem,5.5vw,2.5rem)}.hero__copy{padding-top:0}.hero__title{margin-bottom:clamp(.85rem,2.5vw,1.15rem)}.about-band{padding-top:clamp(1.65rem,4.8vw,2.35rem)}.about-band__label{margin-bottom:.95rem}.about-band__title{padding-right:clamp(.75rem,2.5vw,1.25rem)}.about-action{margin-top:clamp(1.5rem,4vw,2.1rem)}.offers{padding-top:clamp(2rem,5.5vw,3rem);margin-top:clamp(1.65rem,4.5vw,2.35rem)}.offers__intro{margin-bottom:clamp(1.5rem,4vw,2.1rem)}.offers__grid{gap:clamp(.95rem,2.8vw,1.2rem)}.offers__card{padding:clamp(1.1rem,2.8vw,1.35rem) clamp(1.05rem,2.6vw,1.25rem) clamp(1.05rem,2.5vw,1.2rem);padding-left:clamp(1rem,2.4vw,1.15rem)}.insights{padding-top:clamp(2.25rem,6vw,3.25rem);margin-top:clamp(1.85rem,5vw,2.65rem)}.insights__header{gap:.85rem 1.25rem;margin-bottom:clamp(1.45rem,3.8vw,1.95rem);padding-bottom:clamp(.95rem,2.2vw,1.2rem)}.insights__grid{gap:clamp(1.05rem,3vw,1.35rem)}.insights__stack{gap:clamp(.95rem,2.5vw,1.2rem)}.site-footer__upper{padding-top:clamp(2rem,5vw,3rem)}.site-footer__grid{gap:clamp(1.35rem,3.5vw,1.85rem) clamp(1.15rem,3vw,1.65rem);padding-bottom:clamp(1.85rem,4vw,2.5rem)}.about-page__header{margin-bottom:clamp(1.35rem,3.8vw,1.85rem);padding-bottom:clamp(.95rem,2.4vw,1.2rem)}.about-page__section{margin-bottom:clamp(1.85rem,4.2vw,2.5rem)}.about-page__hero{margin-bottom:clamp(1.25rem,3.5vw,1.85rem);padding:clamp(1.35rem,3.8vw,1.85rem) var(--gutter-x) clamp(1.45rem,4vw,1.95rem)}.about-page__jump{margin-bottom:clamp(1.05rem,2.8vw,1.45rem);padding-top:.45rem;padding-bottom:.45rem}.consumer-page__breadcrumb{margin-bottom:clamp(.9rem,2.6vw,1.2rem)}.consumer-page--article .consumer-page__breadcrumb{margin-bottom:clamp(1rem,2.8vw,1.35rem)}.consumer-page__topics{margin-bottom:clamp(1.65rem,4.2vw,2.2rem)}.consumer-page__article-header{margin-bottom:clamp(1.25rem,3.5vw,1.75rem);padding-bottom:clamp(.95rem,2.5vw,1.25rem)}.consumer-page--article{padding-bottom:clamp(1.65rem,4vw,2.25rem)}.newsroom-page{padding-top:.15rem}.newsroom-page__header{margin-bottom:clamp(1.55rem,4vw,2.1rem);padding-bottom:clamp(.95rem,2.5vw,1.25rem)}.newsroom-page__grid{margin-bottom:clamp(2rem,4.5vw,2.65rem);padding-top:.1rem}.article-page{padding-bottom:clamp(2rem,4.5vw,3rem)}.article-page__breadcrumb{margin-bottom:.95rem}.article-page__header .about-page__title--page{margin-bottom:.45rem}.article-page__hero{margin-top:clamp(.95rem,2.5vw,1.25rem);margin-bottom:clamp(1.45rem,3.5vw,1.95rem)}.article-page__body h2{margin-top:clamp(1.65rem,3.2vw,2.1rem);margin-bottom:.65rem}.article-page__body>.about-page__prose:first-of-type{line-height:1.74}.article-page__body .about-page__prose+.about-page__prose{margin-top:1.05rem}.pricing-page__hero{margin-bottom:clamp(1.25rem,3.5vw,1.85rem);padding:clamp(1.35rem,3.5vw,1.75rem) var(--gutter-x)}.help-wizard__panel{padding:clamp(1.15rem,2.8vw,1.45rem) clamp(1.1rem,2.8vw,1.35rem)}.about-page__prose+.about-page__prose{margin-top:1.05rem}.masthead{position:relative;z-index:50}.masthead__mobile-bar{display:flex;align-items:center;justify-content:space-between;gap:.65rem;position:relative;z-index:110;padding:max(.55rem,env(safe-area-inset-top,0px)) 0 .75rem;margin:0 calc(-1 * var(--gutter-x));padding-left:var(--gutter-x);padding-right:var(--gutter-x);background:var(--white);border-bottom:1px solid var(--header-rule)}.masthead__logo-link--desktop{display:none!important}.masthead__logo-link--bar{flex:1;display:flex;justify-content:center;min-width:0;margin:0;line-height:0}.masthead__logo--bar{width:min(196px,52vw);max-width:100%;height:auto;aspect-ratio:442.69 / 81.59;object-fit:contain}.mobile-nav__bar-spacer{width:2.75rem;flex-shrink:0;pointer-events:none}.mobile-nav__toggle{flex-shrink:0;display:inline-flex;align-items:center;justify-content:center;width:2.75rem;height:2.75rem;margin:0;padding:0;border:none;border-radius:8px;background:color-mix(in srgb,var(--green-dark) 4%,var(--white));color:var(--green-dark);cursor:pointer;transition:background-color .15s ease;touch-action:manipulation}.mobile-nav__toggle:hover{background:color-mix(in srgb,var(--green-dark) 8%,var(--white))}.mobile-nav__toggle:focus-visible{outline:2px solid var(--green-dark);outline-offset:2px}.mobile-nav__toggle-bars{position:relative;width:1.15rem;height:1.5px;background:currentColor;border-radius:1px;transition:background-color .2s ease}.mobile-nav__toggle-bars:before,.mobile-nav__toggle-bars:after{content:"";position:absolute;left:0;width:100%;height:1.5px;background:currentColor;border-radius:1px;transition:transform .22s ease,top .22s ease}.mobile-nav__toggle-bars:before{top:-5px}.mobile-nav__toggle-bars:after{top:5px}body.mobile-nav-open .mobile-nav__toggle-bars{background:transparent}body.mobile-nav-open .mobile-nav__toggle-bars:before{top:0;transform:rotate(45deg)}body.mobile-nav-open .mobile-nav__toggle-bars:after{top:0;transform:rotate(-45deg)}.mobile-nav__backdrop{display:block;position:fixed;top:0;right:0;bottom:0;left:0;z-index:90;margin:0;padding:0;border:none;background:#0206176b;cursor:pointer;opacity:0;visibility:hidden;pointer-events:none;transition:opacity .2s ease,visibility .2s ease;-webkit-tap-highlight-color:transparent}.mobile-nav__backdrop[hidden]{display:none!important}body.mobile-nav-open .mobile-nav__backdrop{display:block!important;opacity:1;visibility:visible;pointer-events:auto}.mobile-nav__drawer-head{display:flex;align-items:center;justify-content:space-between;gap:.75rem;width:100%;padding-bottom:.85rem;margin-bottom:.35rem;border-bottom:1px solid var(--header-rule)}.mobile-nav__drawer-title{margin:0;font-family:var(--font-sans);font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--green-dark)}.mobile-nav__close{display:inline-flex;align-items:center;justify-content:center;width:2.5rem;height:2.5rem;margin:0;padding:0;border:none;border-radius:8px;background:transparent;color:var(--green-dark);font-size:1.5rem;line-height:1;cursor:pointer;touch-action:manipulation}.mobile-nav__close:hover{background:color-mix(in srgb,var(--green-dark) 5%,var(--white))}.mobile-nav__close:focus-visible{outline:2px solid var(--green-dark);outline-offset:2px}.top.top--site-menu{position:fixed;top:0;left:0;bottom:0;padding-top:env(safe-area-inset-top,0px);padding-bottom:env(safe-area-inset-bottom,0px);width:min(19.5rem,88vw);max-width:100%;z-index:100;margin:0;padding:0;border-bottom:none;border-right:1px solid var(--header-rule);background:var(--white);box-shadow:8px 0 36px #02061724;transform:translate(-100%);transition:transform .28s cubic-bezier(.4,0,.2,1);align-items:stretch;justify-content:flex-start;overflow-x:hidden;overflow-y:auto;overscroll-behavior:contain;display:flex}body.mobile-nav-open .top.top--site-menu{transform:translate(0)}.top.top--site-menu .top__actions{flex-direction:column;flex-wrap:nowrap;align-items:stretch;justify-content:flex-start;width:100%;max-width:none;padding:1.1rem 1.15rem 1.5rem;gap:1.1rem}.top.top--site-menu .nav{flex-direction:column;flex-wrap:nowrap;align-items:stretch;justify-content:flex-start;width:100%;gap:.1rem}.top.top--site-menu .nav a{justify-content:flex-start;width:100%;min-height:2.75rem;padding:.6rem .45rem;font-size:.8125rem;text-align:left;border-radius:8px;touch-action:manipulation}.top.top--site-menu .masthead__contact{flex-direction:column;align-items:flex-start;align-self:stretch;text-align:left;border-left:none;padding:.9rem 0 0;margin:0;margin-top:.25rem;border-top:1px solid var(--header-rule);width:100%;flex-basis:auto;gap:.35rem;max-width:none}.top.top--site-menu .masthead__contact-sep{display:none}.top.top--site-menu .masthead__email,.top.top--site-menu .masthead__phone{font-size:max(12px,.32vw + 11px);min-height:0;padding:.4rem 0;justify-content:flex-start;text-align:left;white-space:normal;word-break:break-word}.top.top--site-menu .masthead__phone{white-space:nowrap}.top.top--site-menu .search{align-self:flex-start;margin-top:.35rem;margin-left:-.35rem;border-left:none;padding:.6rem}}@media(prefers-reduced-motion:reduce){@media(max-width:640px){.top.top--site-menu,.mobile-nav__backdrop,.mobile-nav__toggle-bars:before,.mobile-nav__toggle-bars:after{transition:none}}}@media(max-width:600px){.offers__grid{grid-template-columns:1fr}.cta{min-height:2.75rem;padding:.35rem 0;align-items:center;touch-action:manipulation}.consumer-page__topic-grid{grid-template-columns:1fr;gap:.5rem}.consumer-page__topic-btn{min-height:3rem;padding:.75rem 1rem}.site-footer__list{gap:.35rem}.site-footer__list a{display:inline-block;padding:.4rem 0;min-height:2.75rem;line-height:1.35;box-sizing:border-box}.about-page__jump{overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none}.about-page__jump::-webkit-scrollbar{display:none}.about-page__jump-list{flex-wrap:nowrap;justify-content:flex-start;width:max-content;min-width:100%;padding-bottom:.15rem}.about-page__jump a{flex-shrink:0}.help-wizard__btn,.help-wizard__btn--primary,.consumer-tool__start{min-height:2.75rem;touch-action:manipulation}.article-page__hero{border-radius:10px}}.newsroom-page{max-width:min(72rem,100%);margin-inline:auto;padding-top:clamp(.35rem,1.2vw,.75rem)}.newsroom-page__header{margin-bottom:clamp(2.25rem,4.5vw,3.25rem);padding-bottom:clamp(1.35rem,2.8vw,1.85rem);border-bottom:1px solid var(--header-rule)}.newsroom-page__header .eyebrow{margin-bottom:.5rem}.newsroom-page__header .about-page__title--page{margin-bottom:clamp(.85rem,2vw,1.15rem);max-width:18ch}.newsroom-page__deck{margin:0;max-width:min(42rem,100%);font-size:clamp(1.03rem,.22vw + .98rem,1.14rem);line-height:1.68;color:var(--grey-body)}.newsroom-page__grid{margin-bottom:clamp(2.5rem,5vw,3.5rem);padding-top:clamp(.25rem,1vw,.5rem)}.newsroom-feed__error{margin:0;padding:1.15rem 1.25rem;background:color-mix(in srgb,var(--kelly) 7%,var(--white));border:1px solid color-mix(in srgb,var(--kelly) 22%,rgba(2,6,23,.08));border-radius:10px;color:var(--grey-body);line-height:1.55}.newsroom-feed__error a{color:var(--kelly-deep);font-weight:600;text-decoration:underline;text-underline-offset:.12em}.newsroom-feed__error a:hover{color:var(--green-dark)}.insights__grid.insights__grid--newsroom{grid-template-columns:1fr;gap:clamp(1.35rem,2.8vw,1.85rem);align-items:stretch}.insights__grid--newsroom .insights-card--compact{height:100%;display:flex;flex-direction:column;min-width:0;border-radius:14px;box-shadow:0 6px 28px #02061712}.insights__grid--newsroom .insights-card__link--compact{flex:1;display:flex;flex-direction:column;grid-template-columns:unset;grid-template-rows:unset;min-height:0}.insights__grid--newsroom .insights-card__thumb{aspect-ratio:16 / 10;width:100%;flex-shrink:0;min-height:0}.insights__grid--newsroom .insights-card__body{flex:1;display:flex;flex-direction:column;justify-content:flex-start;padding:clamp(1.1rem,2.2vw,1.45rem) clamp(1.15rem,2.3vw,1.5rem) clamp(1.05rem,2vw,1.35rem)}.insights__grid--newsroom .insights-card__title--compact{font-size:clamp(1.06rem,.55vw + .92rem,1.24rem);line-height:1.24;margin-bottom:.65rem}.insights__grid--newsroom .insights-card--compact .insights-meta{margin-top:auto;padding-top:.85rem;border-top:1px solid rgba(2,6,23,.07)}@media(min-width:640px){.insights__grid.insights__grid--newsroom{grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(1.35rem,2.5vw,1.75rem)}.insights__grid--newsroom>.insights-card--compact:first-child{grid-column:1 / -1}.insights__grid--newsroom>.insights-card--compact:first-child .insights-card__thumb{aspect-ratio:21 / 9;max-height:min(240px,32vw)}}@media(min-width:1040px){.insights__grid.insights__grid--newsroom{grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(1.45rem,2.2vw,1.9rem)}.insights__grid--newsroom>.insights-card--compact:first-child{grid-column:1 / -1}.insights__grid--newsroom>.insights-card--compact:first-child .insights-card__link--compact{flex-direction:row;align-items:stretch;width:100%}.insights__grid--newsroom>.insights-card--compact:first-child .insights-card__thumb{aspect-ratio:auto;width:min(42%,380px);min-height:220px;max-height:none;align-self:stretch}.insights__grid--newsroom>.insights-card--compact:first-child .insights-card__body{padding:clamp(1.35rem,2.5vw,1.85rem) clamp(1.5rem,2.8vw,2.1rem);justify-content:center}.insights__grid--newsroom>.insights-card--compact:first-child .insights-card__title--compact{font-size:clamp(1.22rem,1.1vw + .95rem,1.52rem);line-height:1.18;margin-bottom:.85rem}.insights__grid--newsroom>.insights-card--compact:first-child .insights-meta{padding-top:1rem;max-width:36rem}}.article-page{max-width:min(44rem,100%);margin-inline:auto;padding-bottom:clamp(2.5rem,5vw,4rem)}.article-page__breadcrumb{margin-bottom:1.1rem}.article-page__breadcrumb-list{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.35rem .5rem;align-items:center;font-size:.8125rem;color:var(--grey-meta)}.article-page__breadcrumb-list li{display:inline-flex;align-items:center;gap:.5rem}.article-page__breadcrumb-list li:not(:last-child):after{content:"/";opacity:.4;font-weight:400}.article-page__breadcrumb-list a{color:var(--green-nav);text-decoration:none;font-weight:500}.article-page__breadcrumb-list a:hover{text-decoration:underline;text-underline-offset:.15em}.article-page__breadcrumb-list li[aria-current=page]{color:var(--grey-body);font-weight:600}.article-page__header{margin-bottom:0;padding-bottom:clamp(1rem,2.2vw,1.4rem);border-bottom:1px solid var(--header-rule)}.article-page__header .eyebrow{margin-bottom:.4rem}.article-page__header .about-page__title--page{margin-bottom:.55rem}.article-page__hero{margin:clamp(1.2rem,2.4vw,1.55rem) 0 clamp(1.85rem,3.5vw,2.45rem);border-radius:12px;overflow:hidden;border:1px solid rgba(2,6,23,.1);box-shadow:0 8px 32px #02061714;background:#e2e8f0;aspect-ratio:16 / 10}.article-page__hero img{width:100%;height:100%;object-fit:cover;display:block}.article-page__meta{margin:.35rem 0 0;font-size:.875rem;color:var(--grey-meta);font-variant-numeric:tabular-nums;letter-spacing:.02em}.article-page__body{padding-bottom:0}.article-page__body>.about-page__prose:first-of-type{font-size:clamp(1.04rem,.3vw + .96rem,1.12rem);line-height:1.76}.article-page__body .about-page__prose+.about-page__prose{margin-top:1.2rem}.article-page__body h2{font-family:var(--font-hatton);font-size:clamp(1.06rem,.65vw + .94rem,1.26rem);font-weight:400;color:var(--green-dark);margin:clamp(2rem,3.6vw,2.55rem) 0 .75rem;padding-bottom:.4rem;border-bottom:1px solid rgba(2,6,23,.09);letter-spacing:-.022em;line-height:1.3}.article-page__body h2:first-child{margin-top:0}.article-page__body .about-page__prose a{color:var(--kelly-deep);font-weight:500;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:.18em;transition:color .15s ease}.article-page__body .about-page__prose a:hover{color:var(--green-dark)}.article-page__body .about-page__prose:has(+.article-page__back){margin-top:clamp(1.75rem,3.2vw,2.25rem);padding-top:1.25rem;border-top:1px solid var(--header-rule)}.article-page__back{margin-top:1rem!important;font-weight:500}.article-page__body p.article-page__back a{color:var(--green-nav);font-weight:600;text-decoration:none}.article-page__body p.article-page__back a:hover{color:var(--green-dark);text-decoration:underline;text-underline-offset:.15em}.consumer-guide__crumb{display:inline-flex;align-items:center;gap:.35rem}.consumer-guide__crumb-icon{display:flex;color:var(--kelly-deep);opacity:.88}.consumer-guide__hero{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:clamp(1.5rem,3.5vw,2.75rem);align-items:stretch;margin:0 0 clamp(.15rem,.8vw,.35rem);padding-bottom:clamp(1.35rem,3vw,2rem);border-bottom:1px solid var(--header-rule)}.consumer-guide__hero-copy{min-width:0;display:flex;flex-direction:column;justify-content:center}.consumer-guide__eyebrow{display:flex;align-items:center;gap:.55rem;margin:0 0 .85rem;font-size:.6875rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--kelly-deep)}.consumer-guide__eyebrow-dot{width:7px;height:7px;flex-shrink:0;border-radius:50%;background:linear-gradient(145deg,var(--kelly) 0%,#2563eb 100%);box-shadow:0 0 0 3px #1d4ed829}.consumer-guide__hero .consumer-guide__title,.consumer-guide__hero .about-page__title{margin-bottom:.45rem;font-size:clamp(1.9rem,2.1vw + 1.1rem,2.85rem);line-height:1.1;letter-spacing:-.03em}.consumer-guide__lede{margin:0 0 1.15rem;max-width:40rem;font-size:clamp(1.02rem,.32vw + .94rem,1.14rem);line-height:1.65;color:var(--grey-meta)}.consumer-guide__meta-row{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.5rem .65rem}.consumer-guide__meta-chip{display:inline-flex;align-items:center;gap:.4rem;padding:.38rem .72rem;font-size:.8125rem;font-weight:600;line-height:1.3;color:var(--grey-body);background:#02061709;border:1px solid rgba(2,6,23,.09);border-radius:999px;transition:border-color .15s ease,background-color .15s ease}.consumer-guide__meta-chip--accent{color:var(--kelly-deep);background:color-mix(in srgb,var(--kelly) 12%,var(--white));border-color:color-mix(in srgb,var(--kelly) 32%,rgba(2,6,23,.08))}.consumer-guide__meta-icon{display:flex;color:var(--grey-meta)}.consumer-guide__meta-chip--accent .consumer-guide__meta-icon{color:var(--kelly-deep);opacity:.85}.consumer-guide__hero-figure{margin:0;border-radius:14px;overflow:hidden;border:1px solid rgba(2,6,23,.1);box-shadow:0 4px 6px -1px #02061712,0 22px 48px -20px #1e3a8a38;align-self:start}.consumer-guide__hero-figure.consumer-guide__hero-figure--compact{max-width:min(17.5rem,46%);width:100%;margin-inline-start:auto}.consumer-guide__hero-img{display:block;width:100%;height:auto;vertical-align:middle;aspect-ratio:3 / 2;object-fit:cover}.consumer-guide__hero-img--portrait{aspect-ratio:2 / 3;object-position:center 22%}.consumer-guide__hero-copy .consumer-tool__lede{margin-top:1rem;margin-bottom:0}.consumer-guide__hero-caption{margin:0;padding:.55rem .8rem .65rem;font-size:.75rem;line-height:1.45;color:var(--grey-meta);background:#02061708}.consumer-guide__shell{display:grid;grid-template-columns:minmax(12.5rem,15.25rem) minmax(0,1fr);gap:clamp(1.75rem,4vw,2.85rem);align-items:start}.consumer-guide__toc{padding:1rem 1rem 1.15rem;background:#02061707;border:1px solid rgba(2,6,23,.08);border-radius:12px;position:sticky;top:5.75rem;align-self:start;max-height:calc(100vh - 6.5rem);overflow-y:auto;scrollbar-gutter:stable}.consumer-guide__toc-heading{margin:0 0 .75rem;padding-bottom:.65rem;border-bottom:1px solid rgba(2,6,23,.09);font-family:var(--font-sans);font-size:.6875rem;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--grey-meta)}.consumer-guide__toc-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.12rem}.consumer-guide__toc-list a{display:block;margin:0 -.5rem;padding:.48rem .55rem;border-radius:7px;font-size:.8125rem;font-weight:500;line-height:1.38;color:var(--grey-body);text-decoration:none;transition:background-color .15s ease,color .15s ease}.consumer-guide__toc-list a:hover{background:#1d4ed817;color:var(--kelly-deep)}.consumer-guide__toc-list a:focus-visible{outline:2px solid var(--green-dark);outline-offset:2px}.consumer-guide__main{min-width:0}.consumer-guide__callout{display:flex;gap:1rem;align-items:flex-start;margin:0 0 clamp(1.25rem,2.8vw,1.85rem);padding:clamp(1rem,2.2vw,1.3rem) clamp(1.1rem,2.5vw,1.4rem);background:linear-gradient(145deg,#1d4ed814,#02061706 55%,#ffffff80);border:1px solid color-mix(in srgb,var(--kelly) 24%,var(--header-rule));border-radius:12px}.consumer-guide__callout-icon{flex-shrink:0;display:flex;align-items:center;justify-content:center;width:2.75rem;height:2.75rem;border-radius:10px;background:color-mix(in srgb,var(--kelly) 15%,var(--white));color:var(--kelly-deep)}.consumer-guide__callout-body{min-width:0}.consumer-guide__callout-title{margin:0 0 .4rem;font-size:.8125rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--green-dark)}.consumer-guide__callout-text{margin:0;font-size:clamp(.9rem,.22vw + .84rem,.98rem);line-height:1.58;color:var(--grey-body)}.consumer-guide__h{scroll-margin-top:5.75rem}.consumer-guide__pillars{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(.85rem,2vw,1.1rem);margin:.35rem 0 .25rem}.consumer-guide__pillar{margin:0;padding:clamp(1rem,2.2vw,1.2rem);background:var(--white);border:1px solid rgba(2,6,23,.09);border-radius:11px;box-shadow:0 1px 2px #0206170a;transition:border-color .15s ease,box-shadow .15s ease}.consumer-guide__pillar:hover{border-color:#1d4ed838;box-shadow:0 6px 20px -12px #1e3a8a33}.consumer-guide__pillar-title{margin:0 0 .5rem;font-family:var(--font-sans);font-size:.9375rem;font-weight:700;letter-spacing:-.015em;line-height:1.25;color:var(--green-dark)}.consumer-guide__pillar-text{margin:0;font-size:clamp(.9rem,.18vw + .86rem,.97rem);line-height:1.62;color:var(--grey-body)}.consumer-guide__timeline{margin:.45rem 0 .35rem;padding:.15rem 0 .15rem 1.35rem;border-left:2px solid color-mix(in srgb,var(--kelly) 45%,var(--header-rule))}.consumer-guide__timeline-item{position:relative;padding-bottom:clamp(1.15rem,2.5vw,1.45rem)}.consumer-guide__timeline-item:last-child{padding-bottom:0}.consumer-guide__timeline-badge{display:inline-block;margin-bottom:.45rem;padding:.28rem .65rem;font-size:.75rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--kelly-deep);background:color-mix(in srgb,var(--kelly) 11%,var(--white));border:1px solid color-mix(in srgb,var(--kelly) 28%,rgba(2,6,23,.06));border-radius:6px}.consumer-guide__timeline-text{margin:0;font-size:clamp(.94rem,.2vw + .88rem,1.02rem);line-height:1.68;color:var(--grey-body)}.consumer-guide__exempt-list{margin:.35rem 0 .5rem;padding:0;list-style:none}.consumer-guide__exempt-list li{position:relative;margin:0 0 .85rem;padding:.65rem .85rem .7rem 1rem;border-radius:8px;background:#02061706;border:1px solid rgba(2,6,23,.07);border-left:3px solid var(--kelly-deep);font-size:clamp(.94rem,.18vw + .89rem,1.01rem);line-height:1.65;color:var(--grey-body)}.consumer-guide__exempt-list li:last-child{margin-bottom:0}.consumer-guide__steps{counter-reset:cg-guide-step;list-style:none;margin:.4rem 0 1.25rem;padding:0}.consumer-guide__steps li{position:relative;margin:0 0 1rem;padding-left:2.85rem;counter-increment:cg-guide-step;font-size:clamp(.94rem,.18vw + .89rem,1.01rem);line-height:1.65;color:var(--grey-body)}.consumer-guide__steps li:last-child{margin-bottom:0}.consumer-guide__steps li:before{content:counter(cg-guide-step);position:absolute;left:0;top:.12rem;width:1.85rem;height:1.85rem;display:flex;align-items:center;justify-content:center;font-family:var(--font-sans);font-size:.8125rem;font-weight:700;color:var(--white);background:var(--green-dark);border-radius:8px}.consumer-guide__scenarios{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(.85rem,2vw,1.05rem);margin:.4rem 0 .35rem}.consumer-guide__scenario{margin:0;padding:clamp(1rem,2.2vw,1.15rem);background:linear-gradient(180deg,rgba(2,6,23,.02) 0%,var(--white) 38%);border:1px solid rgba(2,6,23,.09);border-radius:11px}.consumer-guide__scenario-title{margin:0 0 .5rem;font-family:var(--font-serif);font-size:clamp(1rem,.2vw + .96rem,1.08rem);font-weight:600;line-height:1.3;color:var(--green-dark)}.consumer-guide__scenario-text{margin:0;font-size:clamp(.9rem,.16vw + .87rem,.97rem);line-height:1.62;color:var(--grey-body)}.consumer-guide__closing{margin-top:clamp(1.5rem,3vw,2.1rem);padding:1rem 1.15rem;border-radius:10px;border-left:3px solid var(--kelly-deep);background:#02061708}.consumer-guide__closing .about-page__prose{margin:0}@media(max-width:960px){.consumer-guide__shell{grid-template-columns:1fr}.consumer-guide__toc{position:static;max-height:none;overflow:visible}.consumer-guide__hero{grid-template-columns:1fr}.consumer-guide__hero-figure{order:-1}.consumer-guide__hero-figure.consumer-guide__hero-figure--compact{max-width:min(17.5rem,68%);margin-inline:auto}}@media(max-width:720px){.consumer-guide__pillars,.consumer-guide__scenarios{grid-template-columns:1fr}.consumer-guide__toc-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.35rem}.consumer-guide__toc-list a{margin:0;font-size:.78rem;padding:.42rem .5rem}}@media(max-width:520px){.consumer-guide__toc-list{grid-template-columns:1fr}}@media(max-width:599px){.consumer-guide__h{scroll-margin-top:4rem}.consumer-guide__toc{top:auto}}@media(prefers-reduced-motion:reduce){.consumer-guide__meta-chip,.consumer-guide__pillar,.consumer-guide__toc-list a{transition:none}}.reading-subscribe{position:fixed;left:max(1rem,env(safe-area-inset-left,0px));right:max(1rem,env(safe-area-inset-right,0px));bottom:max(1rem,env(safe-area-inset-bottom,0px));max-width:min(28rem,100%);margin-inline:auto;z-index:120;pointer-events:none}.reading-subscribe:not([hidden]){pointer-events:auto}.reading-subscribe__inner{position:relative;padding:1.05rem 1.2rem 1.15rem;background:var(--green-dark);color:var(--white);border-radius:12px;border:1px solid rgba(255,255,255,.1);box-shadow:0 14px 44px #02061761;transform:translateY(calc(100% + 1.5rem));opacity:0;transition:transform .4s cubic-bezier(.22,1,.36,1),opacity .35s ease}.reading-subscribe.is-visible .reading-subscribe__inner{transform:translateY(0);opacity:1}.reading-subscribe--instant .reading-subscribe__inner{transition:none;transform:translateY(0);opacity:1}.reading-subscribe__close{position:absolute;top:.45rem;right:.45rem;width:2.25rem;height:2.25rem;display:flex;align-items:center;justify-content:center;margin:0;padding:0;font-size:1.35rem;line-height:1;color:#ffffffd9;background:transparent;border:none;border-radius:6px;cursor:pointer;transition:background-color .15s ease,color .15s ease}.reading-subscribe__close:hover{background:#ffffff14;color:var(--white)}.reading-subscribe__close:focus-visible{outline:2px solid var(--white);outline-offset:2px}.reading-subscribe__title{margin:0 2.25rem .45rem 0;font-family:var(--font-hatton);font-size:clamp(1.05rem,.35vw + .95rem,1.22rem);font-weight:400;letter-spacing:-.02em;line-height:1.2;color:var(--white)}.reading-subscribe__text{margin:0 0 .95rem;font-size:.875rem;line-height:1.55;color:#e2e8f0eb;max-width:36ch}.reading-subscribe__actions{display:flex;flex-wrap:wrap;gap:.5rem .65rem;align-items:center}.reading-subscribe__btn{display:inline-flex;align-items:center;justify-content:center;min-height:2.45rem;padding:.45rem 1rem;font-family:var(--font-sans);font-size:.8125rem;font-weight:600;text-decoration:none;border-radius:8px;transition:background-color .15s ease,border-color .15s ease,color .15s ease}.reading-subscribe__btn--primary{color:var(--green-dark);background:var(--white);border:1px solid var(--white)}.reading-subscribe__btn--primary:hover{background:#ffffffeb}.reading-subscribe__btn--secondary{color:var(--white);background:transparent;border:1px solid rgba(255,255,255,.35)}.reading-subscribe__btn--secondary:hover{background:#ffffff14;border-color:#ffffff80}.reading-subscribe__btn:focus-visible{outline:2px solid var(--kelly);outline-offset:2px}