@font-face{font-family:Escrow;src:url('/fonts/escrow-bold-cond.woff2') format('woff2');font-weight:700;font-display:swap}
:root{--ink:#192945;--muted:#4b6080;--line:#b5c8e0;--paper:#fffdf8;--gold:#405d92;--display:Escrow,Georgia,serif;--sans:system-ui,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:radial-gradient(ellipse at 12% 8%,#b9dcff 0,transparent 55%),radial-gradient(ellipse at 95% 35%,#d9d1f5 0,transparent 55%),linear-gradient(150deg,#e2efff,#cedff7 65%,#e4def3);font:18px/1.65 Georgia,serif;min-height:100vh}a{color:inherit;text-underline-offset:4px}a:hover{text-decoration-thickness:2px}a:focus-visible,summary:focus-visible{outline:3px solid #446ac2;outline-offset:5px}img{max-width:100%;height:auto}.site-masthead{max-width:1200px;margin:auto;text-align:center;padding:34px 24px 22px;border-bottom:1px solid var(--line)}.sm-wordmark{display:inline-flex;align-items:center;justify-content:center;gap:14px;font:700 clamp(24px,5.5vw,60px)/1.05 var(--display);text-decoration:none}.sm-wordmark img{width:clamp(30px,4vw,48px)}.sm-wordmark sup{font:16px var(--sans);align-self:flex-start}.sm-sub{font:13px/1.5 var(--sans);letter-spacing:.14em;margin:16px 0}.site-masthead nav{display:flex;flex-wrap:wrap;justify-content:center;gap:12px 26px;font:600 14px/1.6 var(--sans)}.site-masthead nav a{text-decoration:none}main{max-width:1160px;margin:auto;padding:50px 28px 70px}.wrap{max-width:860px}.wrap p,.wrap li{max-width:76ch}h1,h2,h3,.h1,.h2{font-family:var(--display);font-weight:700;line-height:1.08}h1,.h1{font-size:clamp(40px,6vw,74px);letter-spacing:-.025em;margin:18px 0 26px}h2,.h2{font-size:clamp(29px,3.6vw,43px);margin:28px 0 18px}h3{font-size:27px}.hero{display:grid;grid-template-columns:1.2fr .8fr;gap:60px;align-items:center;padding:10px 0 58px}.eyebrow,.kicker{font:700 12px/1.5 var(--sans);letter-spacing:.15em;text-transform:uppercase;color:#405d82}.lede{font-size:22px;line-height:1.5}.actions,.cta{display:flex;gap:12px;flex-wrap:wrap;margin:26px 0}.btn,.btn2{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:13px 23px;background:var(--ink);border:1px solid var(--ink);border-radius:28px;color:white;font:600 15px/1.4 var(--sans);text-decoration:none;text-align:center}.btn.ghost,.btn2{background:transparent;color:var(--ink)}.cover{text-align:center;margin:0}.cover img{width:290px;max-height:470px;object-fit:contain;filter:drop-shadow(0 20px 20px #243d6330)}figcaption,.micro,.fine,.byline{font:13px/1.6 var(--sans);color:var(--muted)}figcaption{margin:20px auto;max-width:330px}.section{padding:35px 0;border-top:1px solid var(--line)}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card,.firm-next{background:#fffdf8c9;border:1px solid #b9cce3;border-radius:16px;padding:28px}.card h3{margin-top:5px}.card p{font-size:17px}.firm-next{margin:40px 0}.cite{border-left:3px solid #6d83b7;padding-left:18px;color:var(--muted);font-size:16px}.faq dt{font-weight:bold;margin-top:24px}.faq dd{margin:8px 0 24px}.topic-links{columns:2;column-gap:30px}.topic-links li{break-inside:avoid;padding:6px 0}footer{text-align:center;border-top:1px solid var(--line);padding:30px 20px;font:14px/1.7 var(--sans)}.skip-link{position:absolute;left:-9999px}.skip-link:focus{left:12px;top:12px;background:white;padding:10px;z-index:99}.wrap .cta{margin:30px 0}#ttc-consent{font-family:var(--sans)}@media(max-width:700px){main{padding:32px 20px}.hero{grid-template-columns:1fr;gap:25px}.hero .cover{order:2}.cover img{width:230px}.cards{grid-template-columns:1fr}.topic-links{columns:1}.sm-wordmark{gap:8px}.site-masthead{padding:26px 12px 20px}.sm-sub{font-size:11px;letter-spacing:.06em}.btn{width:100%}.firm-next{padding:22px}h1{font-size:46px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

.sm-wordmark img{mix-blend-mode:multiply}.hero h1{font-size:clamp(38px,4.8vw,60px)}.hero .lede{font-size:20px}.hero p{margin:16px 0}.site-masthead{padding-top:26px}main{padding-top:36px}

#ttc-consent{position:fixed;bottom:0;left:0;right:0;z-index:999;background:#192945;color:#fff;padding:16px 24px;display:flex;gap:14px;align-items:center;flex-wrap:wrap;justify-content:center;border-top:1px solid #baccec}#ttc-consent[hidden]{display:none}#ttc-consent p{margin:0;flex:1 1 280px;font:14px/1.5 var(--sans)}#ttc-consent button{background:#e1eaff;color:#192945;border:1px solid #e1eaff;border-radius:24px;padding:10px 20px;min-height:44px;font:600 14px var(--sans);cursor:pointer}#ttc-consent-decline{background:transparent!important;color:white!important}.privacy-choices{text-align:center;padding:14px}.privacy-choices button{border:0;background:transparent;color:#405777;text-decoration:underline;font:13px var(--sans);cursor:pointer;min-height:44px}