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.eyebrow{color:#ffd5ab}.adv-featured-content h2{color:#fff;line-height:1.14;font-size:clamp(2rem,3vw,3rem);letter-spacing:-.035em;margin:8px 0 20px}.adv-featured-content>p:not(.eyebrow){line-height:1.75;color:#d9e4e8;margin:0 0 25px}.adv-featured-link{display:inline-flex;align-items:center;gap:16px;border-bottom:1px solid #728b97;padding-bottom:8px;font-weight:700;color:#fff}.adv-featured:hover .adv-featured-image img,.adv-card:hover img{transform:scale(1.035)}.adv-featured:focus-visible,.adv-card:focus-visible{outline:3px solid #d76127;outline-offset:5px}.adv-index-guides,.adv-related{padding:72px 0}.adv-section-intro{max-width:740px;margin-bottom:32px}.adv-section-intro h2{font-size:clamp(1.9rem,3vw,2.6rem);line-height:1.2;letter-spacing:-.035em;margin:0;color:#102d3d}.adv-grid{display:grid;gap:26px}.adv-grid--three{grid-template-columns:repeat(3,minmax(0,1fr))}.adv-card{display:flex;flex-direction:column;color:#102d3d;text-decoration:none;border:1px solid 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56px}.adv-cta{display:grid;grid-template-columns:1fr auto;gap:36px;align-items:center;background:#102d3d;border-radius:22px;padding:clamp(28px,5vw,56px);color:#fff}.adv-cta h2{color:#fff;font-size:clamp(1.85rem,3vw,2.6rem);line-height:1.15;letter-spacing:-.035em;margin:0 0 18px;max-width:680px}.adv-cta p:not(.eyebrow){color:#d9e4e8;line-height:1.75;max-width:650px;margin:0}.adv-cta-actions{display:flex;flex-direction:column;align-items:center;gap:18px}.adv-cta-actions .btn{white-space:normal;text-align:center}.adv-light-link{color:#fff;text-underline-offset:5px;font-weight:600;font-size:.92rem}.adv-article-header{padding-bottom:40px}.adv-article-header h1{font-size:clamp(2.45rem,4.5vw,4.3rem);letter-spacing:-.04em;line-height:1.08;max-width:980px;margin:12px 0 25px}.adv-article-header .breadcrumbs{margin-bottom:44px}.adv-meta{display:flex;align-items:center;flex-wrap:wrap;gap:6px;color:#52636c;font-size:.87rem;line-height:1.8}.adv-meta a{color:inherit;text-underline-offset:3px}.adv-meta>span{margin:0 4px}.adv-cover{display:block;width:100%;height:clamp(220px,38vw,490px);object-fit:cover;border-radius:18px;margin:32px 0 50px}.adv-reading-layout{display:grid;grid-template-columns:minmax(0,1fr) 270px;gap:clamp(40px,7vw,110px);align-items:start;margin:0 auto 60px;max-width:1120px}.adv-body{min-width:0;max-width:750px}.adv-short-answer{border-left:4px solid #df6e30;padding:24px 28px;background:#f4f6f4;border-radius:0 12px 12px 0;margin-bottom:42px}.adv-short-answer .eyebrow{margin-bottom:10px}.adv-short-answer .answer-lead{font-size:1.15rem;line-height:1.75;font-weight:500;color:#173744;margin:0}.adv-section{margin-bottom:36px;scroll-margin-top:125px}.adv-section h2,.adv-checklist h2{font-size:clamp(1.6rem,2.3vw,2rem);line-height:1.25;letter-spacing:-.025em;margin:0 0 20px;color:#102d3d}.adv-section>p{font-size:1.04rem;line-height:1.85;margin:0 0 18px;color:#3d535f}.adv-section .adv-source{font-size:.83rem;color:#60727b;line-height:1.65}.adv-source a{color:#355e6f;text-underline-offset:3px}.adv-toc{padding-bottom:26px;border-bottom:1px solid #dce4e6}.adv-toc ol{margin:18px 0 0;padding-left:20px;display:grid;gap:15px;font-size:.87rem;line-height:1.55;color:#56707c}.adv-toc a{color:#294c5c;text-decoration:none}.adv-toc a:hover{text-decoration:underline;text-underline-offset:3px}.adv-aside-cta{background:#f3f5f3;border-radius:14px;padding:24px;margin-top:26px}.adv-aside-cta h2{font-size:1.35rem;line-height:1.25;letter-spacing:-.02em;margin:0 0 14px;color:#102d3d}.adv-aside-cta p{font-size:.92rem;line-height:1.7;color:#526a76;margin:0 0 22px}.adv-aside-cta .btn{font-size:.86rem;padding:13px 14px;white-space:normal;gap:8px;line-height:1.5}.adv-aside-cta .btn svg{flex-shrink:0;width:18px;height:18px}.adv-checklist{background:#f8f3ed;padding:30px;border-radius:15px;margin:40px 0;scroll-margin-top:125px}.adv-checklist ul{list-style:none;display:grid;gap:18px;margin:25px 0 0;padding:0}.adv-checklist li{display:flex;align-items:flex-start;gap:12px;line-height:1.65;color:#345361;font-size:.98rem}.adv-checklist li svg{width:21px;height:21px;color:#9b4c21;flex-shrink:0;margin-top:3px}.adv-editorial{font-size:.83rem;line-height:1.8;color:#64747c;margin:32px 0 0}.adv-editorial a{color:#385c6b;text-underline-offset:3px}.adv-related{padding-top:65px}@media(min-width:1000px){.adv-aside{position:sticky;top:125px}}@media(max-width:999px){.adv-index-heading{gap:32px;grid-template-columns:1fr}.adv-index-heading>p{max-width:650px}.adv-featured-image{min-height:360px}.adv-featured-content{padding:30px}.adv-grid--three{gap:18px}.adv-card-content{padding:21px}.adv-card h3{font-size:1.25rem}.adv-reading-layout{grid-template-columns:minmax(0,1fr) 230px;gap:35px}.adv-cta{grid-template-columns:1fr}.adv-cta-actions{align-items:flex-start}}@media(max-width:740px){.adv-index-hero{padding-bottom:40px}.adv-index-heading{margin:30px 0}.adv-index-heading h1{font-size:2.65rem}.adv-featured{grid-template-columns:1fr;border-radius:18px}.adv-featured-image{min-height:0;aspect-ratio:1.5}.adv-featured-content{padding:30px 25px}.adv-featured-content h2{font-size:2rem}.adv-index-guides,.adv-related{padding:45px 0}.adv-grid--three{grid-template-columns:1fr;gap:25px}.adv-card h3{font-size:1.5rem}.adv-card-content{padding:25px}.adv-reading-layout{grid-template-columns:1fr;gap:20px;margin-bottom:40px}.adv-body{max-width:none}.adv-aside{display:grid;grid-template-columns:1fr}.adv-toc{display:none}.adv-aside-cta{margin-top:0}.adv-cover{border-radius:12px;margin:22px 0 30px;height:240px}.adv-article-header{padding:20px 0 25px}.adv-article-header .breadcrumbs{margin-bottom:30px}.adv-article-header h1{font-size:2.55rem}.adv-short-answer{padding:20px}.adv-checklist{padding:25px 22px}.adv-cta{border-radius:16px;padding:28px 24px}.adv-tool-section{padding-bottom:35px}.adv-section>p{font-size:1rem}}@media(prefers-reduced-motion:reduce){.adv-card,.adv-card img,.adv-featured img{transition:none}.adv-featured:hover .adv-featured-image img,.adv-card:hover img{transform:none}}@media print{.adv-aside,.adv-cta,.adv-related{display:none}.adv-reading-layout{display:block}.adv-cover{max-height:220px}.adv-checklist,.adv-short-answer{break-inside:avoid}.adv-section a{color:inherit}}.adv-index-hero .breadcrumbs a,.adv-index-hero .breadcrumbs [aria-current],.adv-article-header .breadcrumbs a,.adv-article-header .breadcrumbs [aria-current]{color:#365564;opacity:1}.adv-index-hero .breadcrumbs li+li:before,.adv-article-header .breadcrumbs li+li:before{color:#52717f}.adv-steps{margin:0 0 42px}.adv-steps>h2{font-size:1.25rem;line-height:1.4;letter-spacing:-.02em;color:#102d3d;margin:0 0 20px}.adv-steps ol{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;padding:0;margin:0;list-style:none}.adv-steps li{position:relative;background:#eef3f3;border:1px solid #dce5e6;border-radius:12px;padding:20px 16px}.adv-step-icon{display:flex;align-items:center;justify-content:center;width:40px;height:40px;background:#fff;border-radius:10px;margin-bottom:20px;color:#254d5b}.adv-step-icon svg{width:22px;height:22px}.adv-step-number{position:absolute;right:15px;top:22px;font-size:.72rem;letter-spacing:.08em;color:#455e68}.adv-steps h3{font-size:1.13rem;line-height:1.3;margin:0 0 8px;color:#102d3d}.adv-steps li p{margin:0;color:#49636f;font-size:.84rem;line-height:1.6}.adv-section{margin-bottom:29px}.adv-section h2{font-size:clamp(1.45rem,2.1vw,1.8rem);margin-bottom:15px}.adv-section>p{font-size:1rem;line-height:1.8;margin-bottom:14px}.adv-checklist{margin:30px 0;padding:26px}.adv-checklist ul{display:grid;grid-template-columns:1fr 1fr;gap:17px 20px}.adv-checklist li{font-size:.93rem}.adv-source-list{border-top:1px solid #dce4e6;border-bottom:1px solid #dce4e6;padding:18px 0;color:#4f6671;font-size:.82rem;line-height:1.7}.adv-source-list summary{cursor:pointer;font-weight:600;color:#294c5c}.adv-source-list summary:focus-visible{outline:2px solid #bc5524;outline-offset:5px}.adv-source-list ul{padding-left:18px;margin:15px 0 10px;display:grid;gap:8px}.adv-source-list a{color:#355e6f;text-underline-offset:3px}.adv-source-list p{margin:12px 0 0}@media(max-width:540px){.adv-steps ol{gap:8px}.adv-steps li{padding:14px 10px}.adv-step-icon{width:33px;height:33px;margin-bottom:14px}.adv-step-number{display:none}.adv-steps h3{font-size:.95rem}.adv-steps li p{font-size:.78rem;line-height:1.5}.adv-checklist ul{grid-template-columns:1fr}.adv-checklist{padding:23px}.adv-steps>h2{font-size:1.15rem}}