:root{--ink:#171b1b;--paper:#f5f4f0;--white:#fff;--muted:#59605f;--line:#ced1ce;--teal:#126c67;--red:#b74432;--yellow:#f0d866;--max:1160px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.65 Arial,Helvetica,sans-serif;letter-spacing:0}a{color:var(--teal)}img{max-width:100%;height:auto;display:block}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;padding:10px;z-index:9}.site-header{height:60px;background:#fff;padding:0 max(22px,calc((100% - var(--max))/2));display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid var(--line)}.wordmark{font-weight:900;color:var(--ink);text-decoration:none;font-size:19px}.site-header span{font-size:13px;color:var(--muted)}.first-screen{min-height:calc(100vh - 60px);display:grid;grid-template-columns:1.03fr .97fr;background:#fff}.first-screen figure{margin:0;position:relative;min-height:620px}.first-screen figure img{width:100%;height:100%;object-fit:cover}.first-screen figcaption{position:absolute;left:24px;right:24px;bottom:22px;color:#fff;background:rgba(23,27,27,.9);padding:10px 13px;border-left:4px solid var(--yellow);font-size:12px}.hero-copy{padding:clamp(34px,4.5vw,70px)}.eyebrow,.kicker{color:var(--red);text-transform:uppercase;font-size:12px;font-weight:900}.hero-copy h1{font-size:clamp(42px,5.2vw,72px);line-height:1.02;margin:10px 0 18px}.dek{font-size:22px;margin:0 0 16px}.hero-copy [data-guide-evidence],.date-line{color:var(--muted);font-size:14px}.bottom-line{border-top:5px solid var(--teal);padding:13px 0 3px;margin-top:18px}.bottom-line strong{text-transform:uppercase;color:var(--teal);font-size:12px}.bottom-line p{margin:3px 0}.start-here{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);padding:1px;list-style:none}.start-here li{background:#fff;padding:9px;font-size:12px}.avoid{padding:10px 12px;background:#f8e9e5;border-left:4px solid var(--red);font-size:13px}.section-nav{position:sticky;top:0;z-index:5;background:var(--ink);display:flex;justify-content:center;flex-wrap:wrap}.section-nav a{color:#fff;padding:11px 17px;text-decoration:none;font-weight:800;font-size:12px}.section-nav a:hover,.section-nav a:focus{background:var(--teal)}section:not(.first-screen){max-width:var(--max);margin:auto;padding:70px 26px;border-bottom:1px solid var(--line)}section h2{font-size:clamp(30px,4.2vw,48px);line-height:1.15;margin:5px 0 24px;max-width:860px}section>p{max-width:860px}.definitions{display:grid;grid-template-columns:1fr 1fr;gap:12px}.definitions details{background:#fff;border:1px solid var(--line);padding:0 16px}.definitions summary{cursor:pointer;font-weight:900;padding:15px 0;color:var(--teal)}.definitions p{font-size:14px;color:var(--muted)}.table-wrap{overflow-x:auto;border:1px solid var(--line);background:#fff}table{border-collapse:collapse;width:100%;min-width:850px;font-size:13px}caption{text-align:left;padding:12px;font-weight:800}th,td{text-align:left;vertical-align:top;padding:13px;border-top:1px solid var(--line)}thead th{background:var(--ink);color:#fff}tbody th{color:var(--teal)}.caption{font-size:13px;color:var(--muted)}.recommendation{display:grid;grid-template-columns:64px 1fr;gap:20px;padding:34px 0;border-top:1px solid var(--line)}.recommendation:first-of-type{border-top:5px solid var(--teal)}.number{font-size:32px;font-weight:900;color:var(--red);margin:0}.recommendation h3{font-size:27px;line-height:1.2;margin:0 0 13px}.recommendation div>p{max-width:800px}.utility{max-width:none!important;background:var(--teal);color:#fff}.utility>*{max-width:var(--max);margin-left:auto;margin-right:auto}.utility .kicker{color:var(--yellow)}.receipt-grid{display:grid;grid-template-columns:1fr 1fr;gap:2px;max-width:900px!important;background:#6fa09d}.receipt-grid>div{background:#0c5652;padding:22px}.receipt-grid h3{color:var(--yellow);margin:0}.worked{background:#fff;color:var(--ink);padding:18px;max-width:900px!important;margin-top:18px!important}.desk-tool{background:#e9efec}.desk-tool ol{display:grid;grid-template-columns:repeat(5,1fr);gap:2px;padding:0;list-style:none;background:#b8c5bf}.desk-tool li{background:#fff;padding:18px;font-size:14px}.desk-tool b{display:block;color:var(--teal);margin-bottom:7px}.details-wrap{overflow-x:auto}.sources{columns:2;column-gap:36px}.sources li{break-inside:avoid;margin-bottom:10px;font-size:13px}blockquote{margin:20px 0;max-width:860px;background:#fff;border-left:5px solid var(--yellow);padding:22px;font-size:19px}footer{background:var(--ink);color:#dce0de;text-align:center;padding:26px;font-size:13px}footer p{margin:0}@media(max-width:900px){.first-screen{grid-template-columns:1fr}.first-screen figure{min-height:420px}.section-nav{position:static}.desk-tool ol{grid-template-columns:1fr 1fr 1fr}}@media(max-width:560px){.site-header{height:auto;min-height:72px;align-items:flex-start;flex-direction:column;justify-content:center;gap:0;padding:9px 16px}.first-screen figure{min-height:250px;max-height:250px}.first-screen figcaption{left:14px;right:14px;bottom:12px;font-size:10px}.hero-copy{padding:28px 18px}.hero-copy h1{font-size:41px}.dek{font-size:18px}.start-here{grid-template-columns:1fr 1fr}.section-nav a{padding:8px 9px;font-size:10px}section:not(.first-screen){padding:50px 18px}section h2{font-size:31px}.definitions,.receipt-grid,.desk-tool ol{grid-template-columns:1fr}.recommendation{grid-template-columns:40px 1fr;gap:8px}.number{font-size:22px}.recommendation h3{font-size:23px}.sources{columns:1;padding-left:20px}.details-wrap table,.details-wrap caption,.details-wrap tbody,.details-wrap tr,.details-wrap th,.details-wrap td{display:block}.details-wrap table{min-width:0}.details-wrap caption{width:100%;padding:0 0 12px}.details-wrap thead{display:none}.details-wrap tr{background:#fff;border:1px solid var(--line);margin-bottom:18px}.details-wrap th,.details-wrap td{padding:10px 12px}.details-wrap th:before,.details-wrap td:before{content:attr(data-label);display:block;font-size:10px;color:var(--red);font-weight:900;text-transform:uppercase}.details-wrap tr>*:last-child{border-bottom:0}blockquote{font-size:16px;margin-left:0;margin-right:0}}