:root{--blue:#1268b3;--blue-hover:#0b548f;--blue-active:#073e6d;--blue-50:#edf6ff;--ink:#15171a;--muted:#666b73;--line:#dedfe2;--line-dark:#1a1b1d;--surface:#f6f6f5;--white:#fff;color-scheme:light;font-family:Arial,Helvetica Neue,Helvetica,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--white);color:var(--ink);text-rendering:optimizelegibility;margin:0;font-size:17px;line-height:1.72}img,svg{max-width:100%;display:block}a{color:inherit;text-underline-offset:4px}a:hover{color:var(--blue-hover)}button,input,select{font:inherit}:focus-visible{outline-offset:3px;outline:3px solid #1268b34d}.shell{width:min(1180px,100% - 48px);margin-inline:auto}main .shell,.site-header .shell{width:min(1120px,100% - 48px)}.sr-only{clip:rect(0, 0, 0, 0)!important;white-space:nowrap!important;border:0!important;width:1px!important;height:1px!important;margin:-1px!important;padding:0!important;position:absolute!important;overflow:hidden!important}.skip-link{z-index:1000;background:var(--ink);color:#fff;padding:10px 16px;position:fixed;top:-80px;left:18px}.skip-link:focus{top:18px}.site-header{border-top:5px solid var(--blue);background:#fff}.header-topline{color:#73777e;text-transform:capitalize;border-bottom:1px solid #eeeeef;justify-content:flex-start;align-items:center;min-height:36px;font-size:12px;display:flex}.header-topline div{gap:24px;display:flex}.header-topline a{color:#686c72;text-decoration:none}.masthead{grid-template-columns:1fr auto 1fr;align-items:center;min-height:124px;display:grid;position:relative}.brand{color:#111215;letter-spacing:-.065em;grid-column:2;justify-self:center;font-family:Arial Black,Arial,sans-serif;font-size:clamp(30px,4.1vw,49px);font-weight:900;line-height:1;text-decoration:none}.brand span{color:var(--blue)}.menu-toggle{cursor:pointer;background:0 0;border:0;grid-area:1/1;align-content:center;justify-items:start;gap:5px;width:42px;height:42px;padding:9px 6px;display:none}.menu-toggle span{background:#1c1d1f;width:21px;height:2px}.header-search-wrap{grid-area:1/3;justify-self:end}.header-search{background:#fff;border:1px solid #aeb4bc;align-items:stretch;width:min(240px,22vw);display:flex}.header-search input{min-width:0;color:var(--ink);background:0 0;border:0;flex:1;padding:10px 11px;font-size:13px}.header-search input:focus{outline:0}.header-search:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px #1268b326}.header-search button,.header-search-toggle{background:var(--blue);color:#fff;cursor:pointer;border:0;place-items:center;width:42px;min-width:42px;padding:0;display:grid}.header-search svg,.header-search-toggle svg{fill:none;stroke:currentColor;stroke-width:2px;stroke-linecap:round;width:21px;height:21px}.header-search-toggle{height:42px;display:none}.nav-row{border-top:2px solid var(--line-dark);border-bottom:1px solid #cdced1;justify-content:center;align-items:center;min-height:58px;display:flex}.site-nav{justify-content:flex-start;align-items:center;gap:40px;width:auto;display:flex}.site-nav a{color:#282a2e;white-space:nowrap;padding:17px 0 15px;font-size:16px;font-weight:750;line-height:1.2;text-decoration:none;position:relative}.site-nav a:hover,.site-nav a[aria-current=page]{color:var(--blue-hover)}.site-nav a[aria-current=page]:after{content:"";background:var(--blue);height:3px;position:absolute;bottom:-1px;left:0;right:0}.nav-group{position:relative}.nav-group-toggle{color:#282a2e;white-space:nowrap;cursor:pointer;background:0 0;border:0;align-items:center;gap:8px;padding:17px 0 15px;font-size:16px;font-weight:750;line-height:1.2;display:flex;position:relative}.nav-group-toggle:hover,.nav-group-toggle[aria-expanded=true],.nav-group.is-current>.nav-group-toggle{color:var(--blue-hover)}.nav-group.is-current>.nav-group-toggle:after{content:"";background:var(--blue);height:3px;position:absolute;bottom:-1px;left:0;right:0}.nav-chevron{border-bottom:1.5px solid;border-right:1.5px solid;width:7px;height:7px;margin-top:-4px;transition:transform .18s;transform:rotate(45deg)}.nav-group.is-open .nav-chevron{margin-top:3px;transform:rotate(225deg)}.nav-submenu{z-index:120;border-top:3px solid var(--blue);background:#fff;border-bottom:1px solid #bfc5cc;border-left:1px solid #d8dce1;border-right:1px solid #d8dce1;min-width:235px;padding:8px 0;display:none;position:absolute;top:calc(100% + 1px);left:-18px;box-shadow:0 16px 34px #0d1d2d29}.nav-group:last-child .nav-submenu{left:auto;right:-18px}.nav-group.is-open>.nav-submenu{grid-template-columns:1fr;display:grid}.site-nav .nav-submenu a{color:#35383d;white-space:nowrap;border-bottom:1px solid #eceef1;padding:12px 18px;font-size:16px;font-weight:700;display:block}.site-nav .nav-submenu a:last-child{border-bottom:0}.site-nav .nav-submenu a:hover,.site-nav .nav-submenu a[aria-current=page]{background:var(--blue-50);color:var(--blue-hover)}.site-nav .nav-submenu a[aria-current=page]:after{display:none}.front-page{grid-template-columns:minmax(0,1.5fr) minmax(240px,.85fr) minmax(220px,.7fr);padding:38px 0 72px;display:grid}.front-page a{text-decoration:none}.lead-story{padding-right:30px}.story-kicker{color:#73777e;align-items:center;gap:12px;margin-bottom:13px;font-size:13px;display:flex}.story-kicker strong{color:var(--blue)}.lead-story h1{letter-spacing:-.045em;margin:0 0 18px;font-size:clamp(36px,4.2vw,54px);line-height:1.1}.lead-story>p{color:#5d626a;margin:0 0 24px;font-size:18px;line-height:1.65}.front-image{border:1px solid #e2e3e5;margin-top:28px;display:block;overflow:hidden}.front-image img{aspect-ratio:1;object-fit:cover;width:100%;height:auto}.story-meta{color:#8a8d93;margin-top:14px;font-size:12px}.front-secondary{border-left:1px solid var(--line)}.front-secondary article{padding:0 28px 28px}.front-secondary article+article{border-top:1px solid var(--line);padding-top:27px}.front-secondary h2{letter-spacing:-.035em;margin:0 0 12px;font-size:26px;line-height:1.2}.front-secondary p{color:#656970;margin:0;font-size:15px;line-height:1.7}.editor-picks{border-left:1px solid var(--line);padding-left:27px}.editor-picks h2{margin:0;font-size:22px}.editor-picks>p{color:#8b8e94;margin:3px 0 20px;font-size:13px}.editor-picks ol{counter-reset:picks;margin:0;padding:0;list-style:none}.editor-picks li{counter-increment:picks;border-top:1px solid var(--line);grid-template-columns:30px 1fr;gap:8px;padding:15px 0;font-size:14px;font-weight:700;line-height:1.45;display:grid}.editor-picks li:before{content:"0" counter(picks);color:var(--blue);font-size:12px}.editor-picks a{text-decoration:none}.latest-guides-section{border-top:1px solid var(--line-dark);background:var(--surface)}.latest-guides-heading>p{color:var(--muted);margin:0 0 7px;font-size:14px}.latest-guides-heading>p strong{color:var(--blue);font-size:20px}.latest-guides-grid{border-top:2px solid var(--line-dark);grid-template-columns:repeat(3,minmax(0,1fr));display:grid}.latest-guide-card{border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--white);min-width:0;padding:24px}.latest-guide-card:nth-child(3n){border-right:0}.latest-guide-image{border:1px solid #dfe2e6;text-decoration:none;display:block;overflow:hidden}.latest-guide-image img{aspect-ratio:1;object-fit:cover;width:100%;height:auto;transition:transform .25s}.latest-guide-image:hover img{transform:scale(1.015)}.latest-guide-copy{padding-top:18px}.latest-guide-meta{color:#858990;justify-content:space-between;align-items:center;gap:12px;font-size:12px;display:flex}.latest-guide-meta strong{color:var(--blue)}.latest-guide-card h3{letter-spacing:-.025em;margin:10px 0 11px;font-size:23px;line-height:1.25}.latest-guide-card h3 a,.latest-guide-link{text-decoration:none}.latest-guide-card p{color:var(--muted);margin:0;font-size:14px;line-height:1.65}.latest-guide-link{margin-top:16px;font-size:13px;font-weight:800;display:inline-block}.section{padding:72px 0}.guide-section{border-top:1px solid var(--line-dark)}.section-heading{justify-content:space-between;align-items:end;gap:24px;margin-bottom:32px;display:flex}.section-heading h2{margin:0;font-size:34px}.eyebrow{color:var(--blue);letter-spacing:.02em;text-transform:uppercase;align-items:center;gap:8px;margin-bottom:9px;font-size:13px;font-weight:800;display:inline-flex}.eyebrow:before{content:"";background:currentColor;border-radius:50%;width:6px;height:6px}.card-grid{border-top:2px solid var(--line-dark);border-bottom:1px solid var(--line);grid-template-columns:repeat(3,1fr);display:grid}.info-card{border-right:1px solid var(--line);min-height:225px;padding:26px 28px}.info-card:last-child{border-right:0}.info-card .number{color:var(--blue);margin-bottom:34px;font-size:12px;font-weight:800}.info-card h3{margin:0 0 10px;font-size:24px;line-height:1.2}.info-card p{color:var(--muted);margin:0;font-size:15px}.info-card a{color:var(--ink);margin-top:18px;font-size:14px;font-weight:800;text-decoration:none;display:inline-block}.section-tint{background:var(--surface)}.trust-strip{border-top:2px solid var(--ink);border-bottom:1px solid var(--line);grid-template-columns:repeat(3,1fr);display:grid}.trust-item{border-right:1px solid var(--line);padding:24px}.trust-item:last-child{border-right:0}.trust-item strong{margin-bottom:5px;display:block}.trust-item span{color:var(--muted);font-size:14px}h1,h2,h3{color:var(--ink);text-wrap:balance}.article-hero{border-bottom:1px solid var(--line);background:#fff;padding:38px 0 34px}.article-header-shell{max-width:1120px}.breadcrumbs{color:#92959a;gap:9px;margin-bottom:31px;font-size:13px;display:flex}.breadcrumbs a{color:#6c7076}.article-hero-grid{display:block}.article-hero-content{width:100%;min-width:0}.article-kicker{color:#74787e;align-items:center;gap:12px;margin-bottom:14px;font-size:13px;display:flex}.article-kicker strong{color:var(--blue)}.article-hero h1{letter-spacing:-.047em;max-width:1040px;margin:0 0 18px;font-size:clamp(36px,4vw,54px);font-weight:650;line-height:1.12}.lead{color:#60656c;max-width:900px;margin:0 0 24px;font-size:20px;line-height:1.65}.article-meta{color:#85898f;flex-wrap:wrap;gap:8px 22px;font-size:13px;display:flex}.article-grid{grid-template-columns:minmax(0,720px) minmax(240px,1fr);align-items:start;gap:48px;padding-top:28px;padding-bottom:90px;display:grid}.article-body{min-width:0}.body-visual{margin:36px 0 46px}.body-visual picture{display:block}.body-visual img{background:#f4f7fa;border:1px solid #d8dee7;width:100%;height:auto}.body-visual figcaption{color:#777d86;padding-top:9px;font-size:12px;line-height:1.5}.article-body>p,.article-body>ul,.article-body>ol{max-width:720px;font-size:20px}.article-body>.quick-answer,.article-body>.important-box,.article-body>.law-note,.article-body>.callout-grid{font-size:20px}.article-body p{margin:0 0 21px}.article-body li{margin-bottom:8px}.article-body h2{color:var(--ink);letter-spacing:-.035em;background:0 0;border:0;border-radius:0;margin:100px 0 24px;padding:0;font-size:31px;line-height:1.23}.article-body h3{margin:38px 0 12px;padding:0;font-size:22px;line-height:1.3}.article-related{border-left:1px solid var(--line);align-self:stretch;min-width:0;padding-left:28px}.related-sticky{overscroll-behavior:contain;scrollbar-width:thin;max-height:calc(100vh - 32px);position:sticky;top:16px;overflow-y:auto}.article-related h2{border-bottom:2px solid var(--ink);margin:0 0 3px;padding-bottom:15px;font-size:22px}.article-related ol{counter-reset:related;margin:0 0 34px;padding:0;list-style:none}.article-related li{counter-increment:related;border-bottom:1px solid var(--line);grid-template-columns:29px 1fr;gap:7px;padding:16px 0;font-size:14px;font-weight:700;line-height:1.45;display:grid}.article-related li:before{content:"0" counter(related);color:var(--blue);font-size:11px}.article-related a{text-decoration:none}.quick-answer,.important-box{border-top:2px solid var(--blue);background:#f5faff;border-bottom:1px solid #b9d8f5;margin:30px 0;padding:22px 24px}.quick-answer strong,.important-box strong{color:var(--blue-active);text-transform:uppercase;margin-bottom:7px;font-size:13px;display:block}.law-note{background:#fffaf0;border-top:2px solid #a97100;border-bottom:1px solid #ead6aa;margin:34px 0;padding:22px 24px}.law-note strong{color:#765000}.callout-grid{background:var(--line);border-top:1px solid var(--line);border-bottom:1px solid var(--line);grid-template-columns:repeat(2,1fr);gap:1px;margin:30px 0;display:grid}.callout{background:#fff;padding:22px}.callout h3{margin-top:0}.article-table-wrap{border-top:2px solid var(--line-dark);border-bottom:1px solid var(--line-dark);background:#fff;width:100%;margin:30px 0;overflow:hidden}.article-table{border-collapse:collapse;table-layout:fixed;width:100%}.article-table th,.article-table td{vertical-align:middle;text-align:center;border-bottom:1px solid #cfd7e1;border-right:1px solid #cfd7e1;padding:14px 15px}.article-table th{background:var(--blue);color:#fff;font-size:14px;font-weight:850}.article-table tbody td:first-child{color:var(--blue-hover);background:#edf6ff;font-weight:850}.article-table tr:last-child td{border-bottom:0}.article-table th:last-child,.article-table td:last-child{border-right:0}.article-action{justify-content:flex-start;margin:48px 0;display:flex}.article-action-lead{max-width:720px;margin:0 0 42px}.article-action-inline{margin:34px 0 42px}.share-dock{z-index:80;right:22px;bottom:calc(22px + var(--share-footer-lift,0px));gap:9px;display:grid;position:fixed}.share-button{min-width:190px;min-height:46px;color:var(--blue-active);font:inherit;text-align:left;cursor:pointer;background:#fff;border:1px solid #b7c9db;border-radius:9px;justify-content:flex-start;align-items:center;gap:10px;padding:11px 15px;font-size:13px;font-weight:820;line-height:1.2;text-decoration:none;transition:transform .16s,border-color .16s,box-shadow .16s;display:inline-flex;box-shadow:0 8px 24px #0d2f4e29}.share-button svg{fill:none;stroke:currentColor;stroke-width:1.8px;stroke-linecap:round;stroke-linejoin:round;flex:0 0 20px;width:20px;height:20px}.share-whatsapp{color:#fff;background:#1f8f55;border-color:#187948}.share-whatsapp svg path:nth-child(2){fill:currentColor;stroke:none}.share-button:hover{border-color:var(--blue);color:var(--blue-active);transform:translateY(-1px);box-shadow:0 11px 28px #0d2f4e38}.share-whatsapp:hover{color:#fff;background:#187f4a;border-color:#126b3d}.share-button:focus-visible{outline-offset:3px;outline:3px solid #1268b347}.share-status{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;padding:0;position:absolute;overflow:hidden}.ad-shell{color:#90949a;text-align:center;width:100%;overflow:hidden}.ad-body-lead,.ad-in-content{border-bottom:1px solid #eceef0;height:190px;min-height:190px;max-height:190px;margin:0 0 13px;padding:10px 0}@media (width>=769px){.ad-body-lead .adsbygoogle,.ad-in-content .adsbygoogle{width:100%;min-height:160px;max-height:160px;height:160px!important}}.related-sticky,.ad-sidebar{width:100%;max-width:100%}.ad-sidebar{border-top:2px solid var(--ink);min-height:630px;margin-top:34px;padding-top:10px}.ad-sidebar .adsbygoogle{min-height:600px;display:block;width:100%!important;max-width:100%!important}.ad-tool-sidebar{border-top:0;width:100%;height:600px;min-height:600px;padding-top:0}.ad-tool-sidebar .adsbygoogle{width:100%;min-height:600px;height:600px!important}.tool-wide-ad-wrap{aspect-ratio:4;border-top:2px solid var(--blue);border-bottom:1px solid var(--line);width:100%;height:282px;min-height:282px;max-height:282px;margin-top:58px;padding:15px 0;overflow:hidden}.ad-tool-wide{margin:0;padding:0;height:250px!important;min-height:250px!important;max-height:250px!important}.ad-tool-wide .adsbygoogle{width:100%;height:250px!important;min-height:250px!important;max-height:250px!important}.home-ad-section{background:#fff;padding:0 0 72px}.ad-home-wide{border-top:2px solid var(--blue);border-bottom:1px solid var(--line);width:100%;height:250px;min-height:250px;max-height:250px;padding:12px 0;overflow:hidden}.ad-home-wide .adsbygoogle{min-height:225px;max-height:225px;display:block;width:100%!important;height:225px!important}.page-side-ads{z-index:20;pointer-events:none;width:100%;height:0;display:none;position:relative}.page-side-ad{top:var(--page-side-top,247px);pointer-events:auto;contain:layout;width:160px;height:752px;min-height:752px;position:fixed;overflow:visible}.page-side-ad-left{right:calc(50% + 580px)}.page-side-ad-right{left:calc(50% + 580px)}.page-side-note{border-top:3px solid var(--blue);background:var(--blue-50);color:#263442;border-bottom:1px solid #a9c3dc;border-left:1px solid #c9d9e8;border-right:1px solid #c9d9e8;height:140px;margin-bottom:12px;padding:12px;overflow:hidden;box-shadow:0 8px 22px #123a6317}.page-side-note>span{color:var(--blue);letter-spacing:.04em;text-transform:uppercase;margin-bottom:4px;font-size:10px;font-weight:850;line-height:1.3;display:block}.page-side-note strong{color:var(--ink);font-size:14px;line-height:1.3;display:block}.page-side-note p{color:#586675;margin:6px 0 7px;font-size:11px;line-height:1.35}.page-side-note a{color:var(--blue-active);align-items:center;gap:4px;font-size:11px;font-weight:850;line-height:1.25;text-decoration:none;display:inline-flex}.page-side-note a:hover{color:var(--blue-hover);text-decoration:underline}.page-side-ad-right .page-side-note{color:#263b2d;background:#f0f8f3;border-color:#2f7d4f #c3d9ca #9fc2aa;margin-top:12px;margin-bottom:0;box-shadow:0 8px 22px #23623917}.page-side-ad-right .page-side-note>span{color:#2f7d4f}.page-side-ad-right .page-side-note p{color:#52675a}.page-side-ad-right .page-side-note a{color:#21633d}.page-side-ad-right .page-side-note a:hover{color:#174b2d}.ad-page-side,.ad-page-side .adsbygoogle{display:block;width:100%!important;max-width:100%!important;height:600px!important;min-height:600px!important;max-height:600px!important}@media (width>=1560px){.page-side-ads{display:block}body.has-page-side-ads main .shell,body.has-page-side-ads .site-header .shell{width:min(1080px,100% - 48px)}}@media (width>=1560px) and (width<=1739px){.page-side-note p{display:none}}@media (width>=1740px){.page-side-ad{width:240px}.page-side-ad-left{right:calc(50% + 580px)}.page-side-ad-right{left:calc(50% + 580px)}body.has-page-side-ads main .shell,body.has-page-side-ads .site-header .shell{width:min(1040px,100% - 48px)}}@media (width>=1880px){.page-side-ad{width:300px}.page-side-ad-left{right:calc(50% + 580px)}.page-side-ad-right{left:calc(50% + 580px)}body.has-page-side-ads main .shell,body.has-page-side-ads .site-header .shell{width:min(1000px,100% - 48px)}}.review-card{border-top:2px solid var(--ink);border-bottom:1px solid var(--line);grid-template-columns:auto 1fr;gap:17px;margin-top:52px;padding:25px 0;display:grid}.review-icon{background:var(--blue);color:#fff;border-radius:50%;place-items:center;width:36px;height:36px;font-weight:900;display:grid}.review-card h2{color:var(--ink);background:0 0;border:0;border-radius:0;margin:0 0 8px;padding:0;font-size:21px}.review-card p{color:var(--muted);margin:5px 0;font-size:14px}.sources{margin-top:42px}.sources h2{margin:0 0 12px;font-size:24px}.sources li{overflow-wrap:anywhere;font-size:14px}.tool-page{padding:46px 0 88px}.tool-layout{grid-template-rows:auto auto;grid-template-columns:minmax(0,720px) minmax(240px,1fr);align-items:start;column-gap:48px;display:grid}.tool-main{grid-area:2/1;min-width:0;padding-top:32px}.tool-intro{grid-area:1/1;max-width:720px;margin:0}.tool-ad-rail{border-left:1px solid var(--line);grid-area:2/2;align-self:stretch;min-width:0;padding-left:24px}.tool-ad-sticky{position:sticky;top:16px}.tool-intro h1,.simple-page h1{letter-spacing:-.045em;margin:0 0 18px;font-size:clamp(40px,5.1vw,62px);line-height:1.12}.tool-intro p,.simple-page>p:first-of-type{color:var(--muted);font-size:19px}.calculator{border-top:2px solid var(--blue);border-bottom:1px solid var(--ink);grid-template-columns:1fr .86fr;gap:0;display:grid}.calculator form,.tool-form{padding:30px 34px 30px 0}.tool-form h2{margin:0 0 20px;font-size:22px;line-height:1.25}.tool-form h2:not(:first-child){border-top:1px solid var(--line);margin-top:32px;padding-top:25px}.tool-form-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:17px;display:grid}.tool-form-grid .field{margin:0}.tool-form-grid .field-wide{grid-column:1/-1}.field{margin-bottom:21px}.field label{justify-content:space-between;gap:15px;margin-bottom:8px;font-size:14px;font-weight:760;display:flex}.field input{width:100%;color:var(--ink);background:#fff;border:1px solid #b9bdc3;border-radius:0;padding:12px 13px}.field input[type=range]{accent-color:var(--blue)}.field input:focus{border-color:var(--blue);outline:3px solid #1268b32e}.result-panel{color:#fff;background:linear-gradient(145deg,#0b548f,#073e6d);padding:30px}.result-panel h2{color:#fff;margin:0 0 24px;font-size:23px}.result-row{border-top:1px solid #ffffff40;justify-content:space-between;gap:16px;padding:14px 0;display:flex}.result-row strong{color:#fff;font-size:20px}.result-note{color:#dceeff;margin-top:24px;font-size:13px}.result-status{color:#fff;border-bottom:1px solid #ffffff40;margin:0 0 22px;padding-bottom:18px;font-size:27px;line-height:1.2}.result-status small{color:#dceeff;margin-top:8px;font-size:13px;font-weight:400;line-height:1.45;display:block}.tool-option-list{gap:11px;display:grid}.tool-option{cursor:pointer;background:#fff;border:1px solid #cbd0d6;grid-template-columns:22px 1fr;align-items:start;gap:11px;padding:14px;display:grid}.tool-option input{width:19px;height:19px;accent-color:var(--blue);margin:2px 0 0}.tool-option strong{font-size:15px;line-height:1.35;display:block}.tool-option span{color:var(--muted);margin-top:3px;font-size:13px;line-height:1.45;display:block}.tool-help{color:var(--muted);margin:18px 0 0;font-size:13px}.simple-page{width:min(800px,100% - 48px);margin:0 auto;padding:52px 0 88px}.tool-copy{width:100%;margin:0;padding:52px 0 0}.simple-page h2{color:var(--ink);background:0 0;border:0;border-radius:0;margin:58px 0 20px;padding:0;font-size:30px;line-height:1.25}.not-found{text-align:center;place-items:center;min-height:58vh;display:grid}.not-found h1{color:var(--blue);font-size:clamp(70px,16vw,150px)}.author-hero{padding-top:42px;padding-bottom:36px}.author-hero .breadcrumbs{margin-bottom:30px}.author-hero h1{letter-spacing:-.045em;margin:0 0 8px;font-size:clamp(43px,5.4vw,66px);line-height:1.06}.author-role{color:var(--blue-hover);margin:0;font-size:20px;font-style:italic;font-weight:650}.author-content{border-top:1px solid var(--line);grid-template-columns:minmax(0,680px) minmax(250px,1fr);align-items:start;gap:48px;padding-top:38px;padding-bottom:72px;display:grid}.author-story h2{margin:0 0 22px;font-size:31px;line-height:1.2}.author-story p{margin:0 0 22px;font-size:19px;line-height:1.75}.author-facts{border-top:3px solid var(--blue);background:var(--blue-50);border-bottom:1px solid #bdd6ed;padding:25px 26px}.author-facts dl{margin:0}.author-facts dl>div+div{border-top:1px solid #c8def1;margin-top:19px;padding-top:18px}.author-facts dt{color:var(--blue-active);text-transform:uppercase;margin-bottom:3px;font-size:13px;font-weight:850}.author-facts dd{color:#343a42;margin:0;font-size:14px;line-height:1.55}.author-facts h2{margin:30px 0 12px;font-size:20px}.author-facts ul{margin:0;padding-left:19px}.author-facts li{margin-bottom:6px;font-size:14px}.author-guides{border-top:1px solid var(--line-dark);background:var(--surface);padding:68px 0 84px}.author-guides-heading>p{color:var(--muted);margin:0 0 7px;font-size:14px}.author-guides-heading>p strong{color:var(--blue);font-size:20px}.author-guide-grid{border-top:2px solid var(--line-dark);grid-template-columns:repeat(2,minmax(0,1fr));display:grid}.author-guide-card{border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff;grid-template-columns:145px 1fr;gap:22px;min-width:0;padding:24px;display:grid}.author-guide-card:nth-child(2n){border-right:0}.author-guide-image{border:1px solid #dfe2e6;text-decoration:none;display:block;overflow:hidden}.author-guide-image img{aspect-ratio:1;object-fit:cover;width:100%;height:auto;transition:transform .25s}.author-guide-image:hover img{transform:scale(1.015)}.author-guide-copy{min-width:0}.author-guide-copy h3{letter-spacing:-.02em;margin:9px 0;font-size:20px;line-height:1.25}.author-guide-copy h3 a{text-decoration:none}.author-guide-copy>p{color:var(--muted);margin:0;font-size:13px;line-height:1.55}.author-link{font-weight:750;text-decoration:none}.category-hero{border-bottom:1px solid var(--line);background:#fff;padding:46px 0 42px}.category-hero .breadcrumbs,.search-page .breadcrumbs{margin-bottom:26px}.category-hero h1,.search-page h1{letter-spacing:-.045em;margin:0 0 14px;font-size:clamp(42px,5vw,64px);line-height:1.08}.category-hero>.shell>p,.search-page>.shell>p{max-width:760px;color:var(--muted);margin:0;font-size:19px}.category-count{color:var(--muted);margin-top:22px;font-size:14px}.category-count strong{color:var(--blue);font-size:22px}.category-content{background:var(--surface)}.category-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;display:grid}.category-card{background:#fff;border:1px solid #d7dee6;border-radius:10px;min-width:0;overflow:hidden;box-shadow:0 7px 22px #123a6312}.category-card-image{background:#f3f5f7;border-bottom:1px solid #dfe2e6;width:100%;display:block;overflow:hidden}.category-card-image img{aspect-ratio:1;object-fit:contain;width:100%;height:auto;transition:transform .25s;display:block}.category-card-image:hover img{transform:scale(1.018)}.category-card-copy{min-width:0;padding:20px 20px 22px}.category-card h2{letter-spacing:-.025em;margin:10px 0;font-size:22px;line-height:1.26}.category-card h2 a,.category-card-image{text-decoration:none}.category-card p{color:var(--muted);margin:0;font-size:15px;line-height:1.65}.category-info-trigger{z-index:82;left:22px;bottom:calc(22px + var(--category-info-footer-lift,0px));background:var(--blue);color:#fff;cursor:pointer;border:1px solid #8eabc7;border-radius:50%;place-items:center;width:56px;height:56px;padding:0;transition:bottom .12s linear,transform .16s,box-shadow .16s;display:grid;position:fixed;box-shadow:0 8px 24px #0d2f4e38}.category-info-trigger:hover{background:var(--blue-hover);color:#fff;transform:translateY(-1px);box-shadow:0 11px 28px #0d2f4e47}.category-info-trigger-icon{font-family:Georgia,serif;font-size:27px;font-weight:800;line-height:1}.category-info-trigger-text{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.category-info-dialog{width:min(640px,100% - 40px);max-height:calc(100vh - 40px);color:var(--ink);background:#fff;border:0;border-radius:12px;padding:0;overflow:auto;box-shadow:0 24px 70px #0a1f344d}.category-info-dialog::backdrop{backdrop-filter:blur(3px);background:#0818279e}.category-info-panel{padding:38px 40px 40px;position:relative}.category-info-panel .breadcrumbs{margin-bottom:26px}.category-info-panel h1{letter-spacing:-.045em;margin:0 44px 14px 0;font-size:clamp(40px,5vw,58px);line-height:1.08}.category-info-panel>p{color:var(--muted);margin:0;font-size:18px;line-height:1.65}.category-info-close{width:42px;height:42px;color:var(--ink);cursor:pointer;background:#fff;border:1px solid #cbd4dd;border-radius:50%;place-items:center;padding:0;font-size:28px;line-height:1;display:grid;position:absolute;top:18px;right:18px}.category-info-close:hover{border-color:var(--blue);color:var(--blue-hover)}.category-empty{border-top:2px solid var(--ink);background:#fff;padding:44px}.category-empty h2{margin-top:0}.search-page{min-height:62vh}.search-shell{max-width:880px}.search-page-form{border:2px solid var(--ink);grid-template-columns:1fr auto;margin:34px 0 20px;display:grid}.search-page-form input{background:#fff;border:0;min-width:0;padding:15px 17px;font-size:17px}.search-page-form input:focus{outline-offset:-3px;outline:3px solid #1268b32e}.search-page-form button{background:var(--blue);color:#fff;cursor:pointer;border:0;min-width:110px;padding:12px 22px;font-weight:850}.search-page-form button:hover{background:var(--blue-hover)}.search-summary{min-height:29px;color:#70757c!important;margin:0 0 22px!important;font-size:14px!important}.search-results{border-top:2px solid var(--ink)}.search-result-card{border-bottom:1px solid var(--line);grid-template-columns:180px 1fr;gap:25px;padding:24px 0;display:grid}.search-result-image{text-decoration:none;display:block}.search-result-image img{aspect-ratio:1;object-fit:cover;width:100%}.search-result-card strong{color:var(--blue);font-size:12px}.search-result-card h2{margin:6px 0 9px;font-size:25px;line-height:1.24}.search-result-card h2 a{text-decoration:none}.search-result-card p{color:var(--muted);margin:0;font-size:14px}.search-empty{padding:34px 0}.search-empty h2{margin:0 0 8px}.search-empty p{color:var(--muted);margin:0}.site-footer{border-top:2px solid var(--line-dark);color:#5f6369;background:#fff;padding-top:44px}.footer-grid{grid-template-columns:1.4fr .65fr .8fr .65fr;gap:48px;display:grid}.brand-footer{margin-bottom:20px;font-size:31px;display:inline-block}.footer-grid p{max-width:470px;font-size:14px}.footer-grid h2{letter-spacing:.02em;text-transform:uppercase;margin:4px 0 14px;font-size:14px}.footer-grid>div>a:not(.brand){color:#666a70;margin:7px 0;font-size:13px;text-decoration:none;display:block}.footer-bottom{border-top:1px solid var(--line);color:#898c91;justify-content:space-between;gap:24px;margin-top:42px;padding:19px 0;font-size:11px;display:flex}@media (width<=1080px){.header-topline{display:none}.masthead{border-bottom:2px solid var(--ink);grid-template-columns:44px 1fr 44px;min-height:88px}.menu-toggle{display:grid}.brand{justify-self:center;font-size:clamp(25px,5vw,35px)}.header-search{z-index:95;border:1px solid var(--ink);background:#fff;border-top:0;width:100%;padding:12px;display:none;position:absolute;top:86px;left:0;right:0;box-shadow:0 15px 34px #00000024}.header-search.is-open{display:flex}.header-search input{border:1px solid #aeb4bc;padding:11px 12px}.header-search:focus-within{box-shadow:0 15px 34px #00000024}.header-search-toggle{display:grid}.nav-row{border:0;min-height:0}.site-nav{z-index:90;overscroll-behavior:contain;border-top:2px solid var(--ink);border-bottom:1px solid var(--ink);background:#fff;grid-template-columns:1fr;gap:0;width:auto;max-height:calc(100vh - 93px);padding:12px 18px 20px;display:none;position:absolute;top:88px;left:16px;right:16px;overflow-y:auto;box-shadow:0 15px 34px #00000024}.site-nav.is-open{display:grid}.site-nav>a{border-bottom:1px solid var(--line);padding:13px 0;font-size:15px;display:block}.site-nav a[aria-current=page]:after{display:none}.nav-group{width:100%}.nav-group-toggle{border-bottom:1px solid var(--line);text-align:center;justify-content:center;width:100%;padding:14px 0;font-size:15px}.nav-group-toggle>span:first-child{text-align:center;width:auto}.nav-chevron{flex:0 0 7px;display:block}.nav-group.is-current>.nav-group-toggle:after{display:none}.nav-submenu,.nav-group:last-child .nav-submenu{min-width:0;box-shadow:none;background:#f5f8fb;border:0;padding:0;position:static}.site-nav.is-open .nav-group.is-open>.nav-submenu{grid-template-columns:1fr;display:grid}.site-nav .nav-submenu a{text-align:center;white-space:normal;border-bottom:1px solid #dfe5eb;padding:12px 18px;font-size:14px}.site-nav .nav-submenu a:last-child{border-bottom:1px solid var(--line)}.article-grid{grid-template-columns:minmax(0,1fr) minmax(220px,.4fr);gap:34px}.tool-layout{grid-template-columns:minmax(0,1fr) minmax(210px,.4fr);gap:34px}.author-content{grid-template-columns:minmax(0,1fr) minmax(230px,.42fr);gap:38px}}@media (width<=980px){.site-nav{gap:0}.front-page{grid-template-columns:minmax(0,1.35fr) minmax(260px,.75fr)}.editor-picks{border-top:1px solid var(--ink);border-left:0;grid-column:1/-1;margin-top:36px;padding:28px 0 0}.editor-picks ol{grid-template-columns:repeat(2,1fr);column-gap:30px;display:grid}.latest-guides-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.latest-guide-card:nth-child(3n){border-right:1px solid var(--line)}.latest-guide-card:nth-child(2n){border-right:0}.category-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.article-grid{grid-template-columns:minmax(0,1fr) minmax(220px,.4fr);gap:34px}.article-hero h1{font-size:clamp(38px,4.8vw,48px)}.tool-layout{grid-template-columns:minmax(0,1fr) minmax(210px,.4fr);gap:34px}}@media (width<=820px){body.has-share-dock{padding-bottom:calc(72px + env(safe-area-inset-bottom))}.share-dock{padding:8px max(12px, env(safe-area-inset-right)) calc(8px + env(safe-area-inset-bottom)) max(12px, env(safe-area-inset-left));backdrop-filter:blur(9px);background:#fffffff7;border-top:1px solid #cbd7e3;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px;bottom:0;left:0;right:0;box-shadow:0 -8px 24px #0d2f4e1f}.share-button{min-width:0;min-height:48px;box-shadow:none;text-align:center;justify-content:center;padding:9px 8px}.share-button:hover{box-shadow:none;transform:none}.shell,main .shell,.site-header .shell{width:min(100% - 40px,760px)}.header-topline{display:none}.masthead{border-bottom:2px solid var(--ink);grid-template-columns:44px 1fr 44px;min-height:88px}.brand{justify-self:center;font-size:clamp(25px,7vw,35px)}.header-tool span{display:none}.nav-row{border:0;min-height:0}.site-nav{z-index:90;border-top:2px solid var(--ink);border-bottom:1px solid var(--ink);background:#fff;padding:12px 18px;display:none;position:absolute;top:88px;left:16px;right:16px;box-shadow:0 15px 34px #00000024}.site-nav.is-open{display:grid}.site-nav a{border-bottom:1px solid var(--line);padding:13px 0}.site-nav .nav-submenu a{padding:12px 18px}.site-nav a:last-child{border-bottom:0}.site-nav a[aria-current=page]:after{display:none}.category-info-trigger{width:100%;height:auto;min-height:54px;box-shadow:none;border-radius:8px;justify-content:center;align-items:center;gap:10px;margin-top:34px;padding:13px 18px;display:flex;position:static}.category-info-trigger:hover{box-shadow:none;transform:none}.category-info-trigger-icon{border:1px solid #ffffffb3;border-radius:50%;place-items:center;width:25px;height:25px;font-size:17px;display:grid}.category-info-trigger-text{clip:auto;white-space:normal;text-align:center;width:auto;height:auto;margin:0;font-size:15px;font-weight:800;position:static;overflow:visible}.category-info-dialog{border-radius:10px;width:min(100% - 28px,520px);max-height:calc(100vh - 28px)}.category-info-panel{padding:30px 24px 32px}.category-info-panel .breadcrumbs{margin:0 46px 22px 0}.category-info-panel h1{margin-right:0;font-size:38px}.category-info-panel>p{font-size:17px}.category-info-close{top:14px;right:14px}.all-guides{display:none}.front-page{grid-template-columns:1fr;padding-top:28px}.lead-story{padding:0 0 30px}.front-secondary{border-top:1px solid var(--ink);border-left:0;grid-template-columns:repeat(2,1fr);display:grid}.front-secondary article{padding:25px 20px 25px 0}.front-secondary article+article{border-top:0;border-left:1px solid var(--line);padding:25px 0 25px 20px}.article-grid{width:min(100% - 40px,760px);display:block}.article-related{border-top:2px solid var(--ink);border-left:0;margin-top:56px;padding:28px 0 0}.related-sticky{position:static}.ad-sidebar{display:none}.tool-layout{display:block}.tool-ad-rail{display:none}.calculator{grid-template-columns:1fr}.calculator form,.tool-form{padding-right:0}.latest-guides-grid{grid-template-columns:1fr}.latest-guide-card,.latest-guide-card:nth-child(2n),.latest-guide-card:nth-child(3n){border-right:0}.category-grid{grid-template-columns:1fr}.latest-guides-heading{align-items:start}.card-grid{grid-template-columns:1fr}.info-card{border-right:0;border-bottom:1px solid var(--line);min-height:0}.info-card:last-child{border-bottom:0}.info-card .number{margin-bottom:18px}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}.author-content{grid-template-columns:1fr;gap:38px}.author-guide-grid{grid-template-columns:1fr}.author-guide-card,.author-guide-card:nth-child(2n){border-right:0}}@media (width<=768px){body{font-size:16px}.ad-body-lead{aspect-ratio:auto;border-bottom:0;width:min(100%,360px);height:auto;min-height:0;max-height:none;margin:0 auto 13px;padding:0}.article-body>.ad-in-content{aspect-ratio:auto;border-bottom:0;width:100%;max-width:100%;height:auto;min-height:0;max-height:none;margin:0 0 13px;padding:0}.ad-body-lead .adsbygoogle,.article-body>.ad-in-content .adsbygoogle{width:100%;max-width:100%;min-height:0;max-height:none;margin:0;display:block}.article-table-wrap{border:0;overflow:visible}.article-table,.article-table tbody,.article-table tr,.article-table td{width:100%;display:block}.article-table thead{clip:rect(0, 0, 0, 0);width:1px;height:1px;position:absolute;overflow:hidden}.article-table tr{border-top:2px solid var(--ink);border-bottom:1px solid var(--line);background:#fff;margin-bottom:13px}.article-table td{border-right:0;border-bottom:1px solid var(--line);text-align:center;grid-template-columns:minmax(105px,.72fr) 1.28fr;align-items:center;gap:12px;padding:12px 8px;display:grid}.article-table td:last-child{border-bottom:0}.article-table td:before{content:attr(data-label);color:var(--blue-hover);text-align:center;background:#edf6ff;align-self:stretch;place-items:center;margin:-12px 0 -12px -8px;padding:12px 8px;font-size:12px;font-weight:850;display:grid}.article-table tbody td:first-child{color:var(--blue-active);background:#dceeff;font-weight:850}.article-table tbody td:first-child:before{background:var(--blue);color:#fff}.tool-wide-ad-wrap{aspect-ratio:1;width:min(100%,360px);height:auto;min-height:0;max-height:none;margin:48px auto 0;padding:8px 0}.ad-tool-wide{width:100%;height:100%!important;min-height:0!important;max-height:none!important}.ad-tool-wide .adsbygoogle{width:100%;min-height:0;max-height:none;height:100%!important}.home-ad-section{padding-bottom:52px}.ad-home-wide{aspect-ratio:1;width:min(100%,360px);height:auto;min-height:0;max-height:none;margin-inline:auto;padding:8px 0}.ad-home-wide .adsbygoogle{min-height:0;max-height:none;width:100%!important;height:100%!important}.callout-grid{grid-template-columns:1fr}.search-result-card{grid-template-columns:118px 1fr;gap:17px}.search-result-card h2{font-size:21px}}@media (width<=560px){.shell,main .shell,.site-header .shell,.simple-page,.front-page,.author-hero,.author-content{width:min(100% - 40px,520px)}.author-hero h1{font-size:42px}.author-story p{font-size:18px}.author-guide-card{grid-template-columns:108px 1fr;gap:16px;padding:18px 14px}.author-guide-copy h3{font-size:18px}.author-guide-copy>p{display:none}.category-grid{gap:22px}.category-card-copy{padding:18px 18px 21px}.category-card h2{font-size:22px}.lead-story h1{font-size:37px}.front-secondary{display:block}.front-secondary article,.front-secondary article+article{border-left:0;border-top:1px solid var(--line);padding:24px 0}.editor-picks ol{grid-template-columns:1fr}.article-hero{padding-top:28px}.article-hero h1{font-size:38px}.lead{font-size:18px}.article-grid{width:min(100% - 40px,520px);padding-top:18px}.article-body h2,.simple-page h2{border:0;padding:0;font-size:27px}.article-action{justify-content:center}.shortcut{width:100%}.review-card,.footer-grid{grid-template-columns:1fr}.footer-grid>div:first-child{grid-column:auto}.footer-bottom{display:grid}.category-hero h1,.search-page h1{font-size:40px}.search-page-form{border:0;grid-template-columns:1fr;gap:8px}.search-page-form input{border:2px solid var(--ink)}.tool-form-grid{grid-template-columns:1fr}.tool-form-grid .field-wide{grid-column:auto}.search-page-form button{min-height:48px}.search-result-card{grid-template-columns:88px 1fr;gap:14px;padding:19px 0}.search-result-card h2{font-size:19px}.search-result-card p{display:none}}@media (prefers-reduced-motion:reduce){*,:before,:after{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}@media print{.share-dock{display:none!important}}