:root{--bg-0:#FFFFFF;--bg-1:#F5F5F4;--fg-0:#1C1917;--fg-1:#57534E;--hl:#D97706;--hl-fg:#1C1917;--rule:#D6D3D1;--measure:760px;--wide:1080px;--gutter:1.25rem}html{background-color:var(--bg-0);color:var(--fg-0);-webkit-text-size-adjust:100%}body.longread{margin:0;background-color:var(--bg-0);color:var(--fg-0);font-family:"Manrope",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;font-size:1.0625rem;font-weight:400;line-height:1.75;overflow-wrap:break-word;-webkit-font-smoothing:antialiased}img,video{max-width:100%}h1,h2,h3{margin:0;color:var(--fg-0);font-family:inherit;font-weight:800;letter-spacing:-0.02em}p{margin:0 0 1.2rem}strong{font-weight:800}a{color:var(--fg-0);text-decoration:underline;text-decoration-color:var(--hl);text-decoration-thickness:2px;text-decoration-skip-ink:none;text-underline-offset:0.2em;transition:text-decoration-color 0.2s ease,background-color 0.2s ease,color 0.2s ease}a:hover{color:var(--fg-0);text-decoration-color:var(--fg-0)}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,[tabindex]:focus-visible{outline:2px solid var(--hl);outline-offset:3px}[hidden]{display:none !important}.container.wrap,.container.wrap-wide{width:100%;margin-left:auto;margin-right:auto;padding-left:var(--gutter);padding-right:var(--gutter);box-sizing:border-box}.container.wrap{max-width:calc(var(--measure) + 2 * var(--gutter));display:flow-root}.container.wrap-wide{max-width:calc(var(--wide) + 2 * var(--gutter))}.masthead{background-color:var(--bg-0);color:var(--fg-0);padding:1.25rem 0 0}.masthead-box{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:0.35rem 1rem;padding:0.85rem 1rem;border:2px solid var(--fg-0);background-color:var(--bg-0);color:var(--fg-0)}.brand{display:inline-flex;align-items:center;gap:0.8rem;min-height:45px;color:var(--fg-0);text-decoration:none}.brand:hover{color:var(--fg-0)}.brand-mark{display:block;width:36px;height:auto;flex:0 0 auto}.brand-name{font-size:clamp(1.5rem,1.15rem + 1.5vw,2.3rem);font-weight:800;line-height:1;letter-spacing:-0.03em}.masthead-rubric{flex-basis:100%;margin:0;color:var(--fg-1);font-size:0.875rem;line-height:1.4}.masthead-nav{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:0 0.5rem;padding:0.25rem 0}.masthead-nav a{display:inline-flex;align-items:center;min-height:45px;padding:0 0.5rem;border-bottom:3px solid transparent;color:var(--fg-0);font-size:0.9375rem;font-weight:800;text-decoration:none}.masthead-nav a:hover,.masthead-nav a[aria-current="page"]{border-bottom-color:var(--hl)}.hero{background-color:var(--bg-0);color:var(--fg-0);padding:clamp(1.75rem,1rem + 3vw,3.25rem) 0 clamp(1.5rem,1rem + 2vw,2.25rem)}.hero-split{display:grid;gap:1.75rem;margin:0}.hero-split>*{width:auto;max-width:100%;margin:0;padding:0}.hero-text,.hero-media{min-width:0}.hero h1{font-size:clamp(1.75rem,1.3rem + 1.8vw,2.5rem);line-height:1.13;letter-spacing:-0.025em;text-wrap:pretty}.dek{margin:1.25rem 0 0;color:var(--fg-1);font-size:clamp(1.15rem,1.02rem + 0.65vw,1.4rem);font-style:italic;font-weight:400;line-height:1.5}.media-frame{position:relative;aspect-ratio:16 / 9;overflow:hidden;background-color:var(--bg-1)}.media-frame video{position:absolute;top:0;left:0;display:block;width:100%;height:100%;object-fit:cover}.article-open{background-color:var(--bg-0);color:var(--fg-0);padding:0 0 clamp(2.5rem,1.8rem + 3vw,4.5rem)}.article-meta{display:flex;flex-wrap:wrap;align-items:baseline;gap:0.15rem 0.7rem;margin:0 0 2rem;padding:0.9rem 0;border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);color:var(--fg-1);font-size:0.9375rem;line-height:1.5}.kicker{padding-bottom:1px;border-bottom:2px solid var(--hl);color:var(--fg-0);font-weight:800}.article-meta time{font-variant-numeric:tabular-nums}.lead{font-size:clamp(1.125rem,1.04rem + 0.45vw,1.3rem);line-height:1.65}.band{background-color:var(--bg-0);color:var(--fg-0);border-top:1px solid var(--rule);padding:clamp(2.5rem,1.8rem + 3vw,4.5rem) 0}.band-tint{background-color:var(--bg-1)}.band h2{margin-bottom:1.25rem;font-size:clamp(1.45rem,1.15rem + 1.1vw,2.05rem);line-height:1.2;text-wrap:balance}.float-fig{margin:1.5rem 0}.float-fig img{display:block;width:100%;height:auto;aspect-ratio:3 / 2;object-fit:cover}.float-fig figcaption{margin-top:0.6rem;color:var(--fg-1);font-size:0.875rem;line-height:1.5}.cta-row{clear:both;margin:2rem 0 0}.cta-link{display:inline-block;min-height:45px;padding:0.55rem 0.15rem 0.3rem;border-bottom:6px solid var(--hl);color:var(--hl-fg);font-size:clamp(1.15rem,1.05rem + 0.5vw,1.4rem);font-weight:800;line-height:1.3;letter-spacing:-0.01em;text-decoration:none}.cta-link:hover{background-color:var(--hl);color:var(--hl-fg)}.qa-item{clear:both;margin:2rem 0;padding:1.25rem 0;border-top:1px solid var(--fg-0);border-bottom:1px solid var(--rule)}.qa-item h3{margin:0 0 0.5rem;font-size:1.1875rem;line-height:1.35}.qa-item p{margin:0}.tradeoffs{clear:both;display:grid;gap:0;margin:2.25rem 0 0}.tradeoff{padding:1.25rem 0 0.25rem;border-top:1px solid var(--fg-0)}.tradeoff h3{margin:0 0 0.75rem;font-size:1.1875rem;line-height:1.35}.pull{clear:both;margin:2.5rem 0;padding:1.5rem 0;border-top:4px solid var(--hl);border-bottom:1px solid var(--fg-0);font-size:clamp(1.25rem,1.05rem + 0.85vw,1.65rem);font-weight:800;line-height:1.35;letter-spacing:-0.015em}.pull p{margin:0}.page-head{padding:clamp(2rem,1.2rem + 3vw,3.5rem) 0 1.5rem}.page-head h1{font-size:clamp(1.75rem,1.3rem + 1.8vw,2.6rem);line-height:1.15;text-wrap:balance}p.text-info{margin:0.9rem 0 0;color:var(--fg-1) !important;font-size:0.9375rem}.page-intro{margin:1.25rem 0 0;color:var(--fg-1);font-size:1.1875rem;font-style:italic;line-height:1.55}.page-body{padding-bottom:clamp(2.5rem,1.5rem + 3vw,4rem)}.page-body section{padding:1.75rem 0 0.75rem;border-top:1px solid var(--rule)}.page-body section:first-child{margin-top:0.5rem}.page-body h2{margin-bottom:0.9rem;font-size:clamp(1.25rem,1.1rem + 0.6vw,1.5rem);line-height:1.3}.page-body ul{margin:0 0 1.2rem;padding-left:1.25rem}.page-body li{margin-bottom:0.4rem;padding-left:0.25rem}.page-body li::marker{color:var(--hl)}.masthead-notes{background-color:var(--bg-1);color:var(--fg-0);border-top:1px solid var(--rule)}.colophon-bar{background-color:var(--bg-1);color:var(--fg-0);border-bottom:1px solid var(--rule)}.colophon-row{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:0.25rem 1rem;padding:0.9rem 0}.colophon-brand{display:inline-flex;align-items:center;gap:0.6rem;color:var(--fg-0);font-size:1.0625rem;font-weight:800;letter-spacing:-0.02em}.colophon-mark{display:block;width:24px;height:auto}.colophon-date{color:var(--fg-1);font-size:0.9375rem}.footer-body{padding-top:2rem;padding-bottom:2.5rem}.publisher-line{max-width:46rem;margin:0 0 1.75rem;padding-bottom:1.75rem;border-bottom:1px solid var(--rule);color:var(--fg-0);font-size:1rem;line-height:1.7}.info-menu{display:flex;flex-wrap:wrap;gap:0 1.5rem;margin:0 0 1.25rem}.info-menu a{display:inline-flex;align-items:center;min-height:45px;color:var(--fg-0);font-size:0.9375rem;font-weight:800}.publisher-data{max-width:46rem;color:var(--fg-1);font-size:0.9375rem;line-height:1.65}.publisher-data p{margin:0 0 0.35rem}body.is-service-step{background-color:var(--bg-1);color:var(--fg-0)}.offer-shell{background-color:var(--bg-1);color:var(--fg-0)}.offer-top{background-color:var(--bg-0);color:var(--fg-0);border-top:6px solid var(--hl);border-bottom:1px solid var(--fg-0)}.offer-top-inner{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:0 1.5rem;padding-top:0.35rem}.offer-top .brand-name{font-size:1.3rem}.offer-top .brand-mark{width:30px}.offer-back{display:inline-flex;align-items:center;min-height:45px;font-size:0.9375rem;font-weight:800}.offer-steps{display:flex;flex-basis:100%;gap:0 1.25rem;margin:0;padding:0;list-style:none;color:var(--fg-1);font-size:0.875rem;line-height:1.4}.offer-steps li{padding:0.65rem 0 0.5rem;border-bottom:4px solid var(--rule)}.offer-steps li[aria-current="step"]{border-bottom-color:var(--hl);color:var(--fg-0);font-weight:800}.offer-main{padding:clamp(1.75rem,1rem + 3vw,4rem) 0 clamp(2.5rem,1.5rem + 4vw,5rem)}.offer-grid{display:grid;gap:2rem}.offer-eyebrow{display:inline-block;margin:0 0 1rem;padding-bottom:1px;border-bottom:2px solid var(--hl);color:var(--fg-0);font-size:0.9375rem;font-weight:800}.offer-intro h1{font-size:clamp(1.8rem,1.3rem + 2vw,2.75rem);line-height:1.1;letter-spacing:-0.03em;text-wrap:balance}.offer-lead{margin:1.25rem 0 0;color:var(--fg-1);font-size:1.125rem;line-height:1.6}.offer-points{margin:1.75rem 0 1.25rem;padding:0;list-style:none;border-top:1px solid var(--fg-0)}.offer-points li{position:relative;padding:0.95rem 0 0.95rem 1.75rem;border-bottom:1px solid var(--rule);line-height:1.55}.offer-points li::before{content:"";position:absolute;left:0;top:1.5rem;width:0.7rem;height:0.7rem;background-color:var(--hl)}.offer-aside{margin:0;color:var(--fg-1);font-size:0.9375rem}.offer-panel{padding:clamp(1.25rem,0.8rem + 2vw,2.5rem);border:1px solid var(--fg-0);border-top:6px solid var(--hl);background-color:var(--bg-0);color:var(--fg-0)}.offer-form-head h2{margin:0 0 0.4rem;font-size:clamp(1.4rem,1.2rem + 0.8vw,1.75rem);line-height:1.2}.offer-form-head p{margin:0 0 1.75rem;color:var(--fg-1);font-size:1rem}.offer-form fieldset{min-width:0;margin:0 0 1.75rem;padding:0;border:0}.offer-form legend{float:none;width:auto;margin:0 0 0.9rem;padding:0 0 0.35rem;border-bottom:2px solid var(--fg-0);color:var(--fg-0);font-size:1rem;font-weight:800;line-height:1.3}.field{margin-bottom:1.25rem}.offer-form .form-label{display:block;margin-bottom:0.4rem;color:var(--fg-0);font-size:0.9375rem;font-weight:800}.offer-form .form-control,.offer-form .form-select{display:block;width:100%;min-height:50px;padding:0.7rem 0.9rem;border:2px solid var(--fg-0);border-radius:0;background-color:var(--bg-0);color:var(--fg-0);font-family:inherit;font-size:1rem;line-height:1.4;box-shadow:none;transition:border-color 0.15s ease}.offer-form .form-select{padding-right:2.5rem}.offer-form textarea.form-control{min-height:7.5rem;resize:vertical}.offer-form .form-control:focus,.offer-form .form-select:focus{border-color:var(--hl);background-color:var(--bg-0);color:var(--fg-0);box-shadow:none;outline:2px solid var(--hl);outline-offset:3px}.offer-form .form-control[aria-invalid="true"]{border-color:var(--hl);box-shadow:inset 0 0 0 1px var(--hl)}.offer-form .form-check{display:flex;align-items:flex-start;gap:0.8rem;min-height:45px;margin:0 0 0.25rem;padding:0.5rem 0}.offer-form .form-check .form-check-input{flex:0 0 1.5rem;float:none;width:1.5rem;height:1.5rem;margin:0;border:2px solid var(--fg-0);border-radius:0;background-color:var(--bg-0);box-shadow:none;cursor:pointer}.offer-form .form-check .form-check-input:checked{border-color:var(--fg-0);background-color:var(--hl)}.offer-form .form-check .form-check-input:checked[type="checkbox"]{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath fill='none' stroke='%231C1917' stroke-linecap='square' stroke-width='3' d='M4 10.5l4 4 8-9'/%3E%3C/svg%3E")}.offer-form .form-check .form-check-input:focus{border-color:var(--fg-0);box-shadow:none;outline:2px solid var(--hl);outline-offset:3px}.offer-form .form-check-label{color:var(--fg-0);font-size:0.9375rem;line-height:1.5;cursor:pointer}.consent-field{margin-bottom:1.5rem;padding-top:1.25rem;border-top:1px solid var(--rule)}.field-error{margin:0.45rem 0 0;padding-left:0.6rem;border-left:4px solid var(--hl);color:var(--fg-0);font-size:0.875rem;font-weight:800;line-height:1.45}.offer-submit{display:block;width:100%;min-height:56px;padding:0.9rem 1.25rem;border:2px solid var(--fg-0);background-color:var(--hl);color:var(--hl-fg);font-family:inherit;font-size:1.0625rem;font-weight:800;line-height:1.3;cursor:pointer;transition:background-color 0.2s ease,color 0.2s ease}.offer-submit:hover{background-color:var(--fg-0);color:var(--bg-0)}.offer-submit:disabled{background-color:var(--bg-1);color:var(--fg-1);cursor:wait}.form-note{margin:0.9rem 0 0;color:var(--fg-1);font-size:0.875rem;line-height:1.55}.form-failure{margin:1rem 0 0;padding:0.75rem 0.9rem;border:2px solid var(--fg-0);border-left-width:6px;border-left-color:var(--hl);background-color:var(--bg-0);color:var(--fg-0);font-size:0.9375rem;font-weight:800;line-height:1.5}.form-success{color:var(--fg-0)}.form-success h2{margin:0 0 0.75rem;font-size:clamp(1.4rem,1.2rem + 0.8vw,1.75rem);line-height:1.2}.form-success p{margin:0 0 0.9rem}@media (min-width: 520px){.masthead-box{padding:1rem 1.25rem}.masthead-rubric{flex-basis:auto;align-self:flex-start;margin-top:-0.2rem}.brand-mark{width:42px}.float-fig{width:45%;margin:0.4rem 0 1rem}.float-right{float:right;clear:both;margin-left:clamp(1.25rem,3vw,2rem)}.float-left{float:left;clear:both;margin-right:clamp(1.25rem,3vw,2rem)}}@media (min-width: 800px){.hero-split{grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:3rem;align-items:start}.media-frame{aspect-ratio:4 / 3}.tradeoffs{grid-template-columns:1fr 1fr;column-gap:3rem}.offer-grid{grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:3.5rem;align-items:start}.offer-intro{position:sticky;top:1.5rem}}@media (min-width: 1120px){.masthead{padding-top:1.75rem}.masthead-box{padding:1.15rem 1.5rem}.info-menu{gap:0 2rem}.footer-body{padding-top:2.5rem;padding-bottom:3rem}}@media (prefers-reduced-motion: reduce){*{transition:none !important}}