:root{--pv-navy:#0b162c;--pv-navy-deep:#050912;--pv-navy-mid:#1e2c47;--pv-off-white:#f7f5f0;--pv-cream:#f0e6d2;--pv-stone:#ece6da;--pv-slate-blue:#45568c;--pv-gold:#b8874a;--pv-gold-light:#d9b787;--pv-body-warm:#5a5248;--pv-line:#0b162c1f;--pv-line-light:#f7f5f02e;--pv-font-serif:"Fraunces", Georgia, "Times New Roman", serif;--pv-font-sans:"Public Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;--pv-radius:10px;--pv-shadow-card:0 1px 2px #0b162c0a, 0 8px 24px #0b162c0f;--pv-shadow-card-hover:0 4px 10px #0b162c0f, 0 16px 36px #0b162c1a}*{box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:var(--pv-font-sans);color:var(--pv-navy);background:var(--pv-off-white);-webkit-font-smoothing:antialiased;margin:0;line-height:1.65}h1,h2,h3{font-family:var(--pv-font-serif);letter-spacing:-.01em;margin:0 0 .5em;font-weight:500;line-height:1.15}p{margin:0 0 1.25em}a{color:var(--pv-navy)}::selection{background:var(--pv-navy);color:var(--pv-cream)}.pv-container{max-width:1160px;margin:0 auto;padding:0 1.75rem}.pv-container-narrow{max-width:720px;margin:0 auto;padding:0 1.75rem}.pv-dark-section{background:linear-gradient(165deg, var(--pv-navy-deep), var(--pv-navy-mid));color:var(--pv-off-white)}.pv-dark-section .pv-wordmark{color:var(--pv-off-white)}.pv-header{border-bottom:1px solid var(--pv-line);background:var(--pv-off-white);padding:1.5rem 0}.pv-header-inner{justify-content:space-between;align-items:center;gap:1rem;display:flex}.pv-wordmark{font-family:var(--pv-font-sans);letter-spacing:-.02em;color:var(--pv-navy);align-items:center;gap:.5rem;font-size:1.4rem;font-weight:700;text-decoration:none;display:inline-flex}.pv-wordmark:before{content:"";background:var(--pv-gold);border-radius:2px;width:9px;height:9px;display:inline-block;transform:rotate(45deg)}.pv-nav-links{gap:1.75rem;font-size:.9rem;font-weight:600;display:flex}.pv-nav-links a{color:var(--pv-body-warm);text-decoration:none;transition:color .2s}.pv-nav-links a:hover{color:var(--pv-navy)}.pv-label-row{align-items:center;gap:.85rem;margin-bottom:1.5rem;display:flex}.pv-label{text-transform:uppercase;letter-spacing:.14em;color:var(--pv-gold);white-space:nowrap;font-size:.75rem;font-weight:700}.pv-dark-section .pv-label{color:var(--pv-gold-light)}.pv-hairline{background:var(--pv-line);flex:1;height:1px}.pv-dark-section .pv-hairline{background:var(--pv-line-light)}.pv-hero{padding:3.5rem 0 4.5rem;position:relative;overflow:hidden}.pv-hero-grid{grid-template-columns:1.05fr .95fr;align-items:center;gap:3rem;display:grid}@media (width<=860px){.pv-hero-grid{grid-template-columns:1fr}}.pv-hero h1{color:var(--pv-navy);max-width:16ch;font-size:clamp(2.1rem,4.2vw,3.15rem)}.pv-hero-sub{color:var(--pv-body-warm);max-width:46ch;margin-bottom:1.75rem;font-size:1.1rem}.pv-hero-photo-wrap{border-radius:var(--pv-radius);box-shadow:var(--pv-shadow-card);aspect-ratio:4/3;position:relative;overflow:hidden}.pv-hero-photo-wrap img{object-fit:cover;width:100%;height:100%;display:block}.pv-trust-box{background:var(--pv-navy);color:var(--pv-off-white);border-radius:var(--pv-radius);box-shadow:var(--pv-shadow-card);margin-top:1.5rem;padding:1.75rem 1.85rem}.pv-trust-box-label{text-transform:uppercase;letter-spacing:.1em;color:var(--pv-gold-light);margin-bottom:.6rem;font-size:.72rem;font-weight:700}.pv-trust-box p{color:#f7f5f0d1;margin-bottom:1.1rem;font-size:.92rem}.pv-trust-list{gap:.5rem;margin:0 0 1.25rem;padding:0;list-style:none;display:grid}.pv-trust-list li{color:#f7f5f0e6;align-items:flex-start;gap:.55rem;font-size:.86rem;display:flex}.pv-trust-list li:before{content:"";background:var(--pv-gold);border-radius:50%;flex-shrink:0;width:6px;height:6px;margin-top:.5em}.pv-security-note{color:#f7f5f0a6;align-items:center;gap:.4rem;margin-top:.9rem;font-size:.78rem;display:flex}.pv-trust-bar{border-top:1px solid var(--pv-line);border-bottom:1px solid var(--pv-line);margin:2.5rem 0;padding:1.5rem 0}.pv-trust-bar-items{flex-wrap:wrap;justify-content:center;gap:2.25rem;display:flex}.pv-trust-bar-item{color:var(--pv-body-warm);text-align:center;align-items:center;gap:.55rem;font-size:.82rem;font-weight:600;display:flex}.pv-trust-bar-item .pv-icon-dot{background:var(--pv-gold);border-radius:50%;flex-shrink:0;width:7px;height:7px}.pv-card{border:1px solid var(--pv-line);border-radius:var(--pv-radius);box-shadow:var(--pv-shadow-card);background:#fff;padding:1.75rem;transition:box-shadow .25s,transform .25s}.pv-card:hover{box-shadow:var(--pv-shadow-card-hover);transform:translateY(-2px)}.pv-card-grid{grid-template-columns:repeat(3,1fr);gap:1.5rem;display:grid}@media (width<=860px){.pv-card-grid{grid-template-columns:1fr}}.pv-card-icon{background:var(--pv-stone);width:40px;height:40px;font-family:var(--pv-font-serif);color:var(--pv-navy);border-radius:8px;justify-content:center;align-items:center;margin-bottom:1rem;font-size:1.2rem;display:flex}.pv-card h3{margin-bottom:.5rem;font-size:1.15rem}.pv-card p{color:var(--pv-body-warm);margin-bottom:0;font-size:.92rem}.pv-preview-card{background:var(--pv-stone);border-radius:var(--pv-radius);margin:1.75rem 0;padding:1.5rem 1.75rem}.pv-preview-card h3{font-size:1rem;font-family:var(--pv-font-sans);margin-bottom:.9rem;font-weight:700}.pv-preview-list{gap:.6rem;margin:0;padding:0;list-style:none;display:grid}.pv-preview-list li{align-items:flex-start;gap:.6rem;font-size:.92rem;display:flex}.pv-preview-check{background:var(--pv-navy);width:18px;height:18px;color:var(--pv-off-white);border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;margin-top:.1em;font-size:.65rem;display:flex}.pv-calc{border:1px solid var(--pv-line);border-radius:var(--pv-radius);box-shadow:var(--pv-shadow-card);background:#fff;max-width:560px;padding:2rem}.pv-calc label{color:var(--pv-navy);margin-bottom:1.25rem;font-size:.88rem;font-weight:600;display:block}.pv-calc input{border:1px solid var(--pv-line);width:100%;font-size:1rem;font-family:var(--pv-font-sans);background:var(--pv-off-white);border-radius:7px;margin-top:.4rem;padding:.7em .85em;transition:border-color .2s,background .2s}.pv-calc input:focus{border-color:var(--pv-navy);background:#fff;outline:none}.pv-calc-result{background:var(--pv-stone);border-radius:8px;min-height:1.2em;margin-top:1.5rem;padding:1.25rem;font-size:.95rem;font-weight:600}.pv-cta{background:var(--pv-gold);color:var(--pv-navy-deep);font-family:var(--pv-font-sans);border-radius:7px;align-items:center;gap:.5rem;padding:.9em 1.7em;font-size:.95rem;font-weight:700;text-decoration:none;transition:background .2s,transform .2s;display:inline-flex}.pv-cta:hover{background:var(--pv-gold-light);transform:translateY(-1px)}.pv-cta-outline{color:var(--pv-off-white);font-family:var(--pv-font-sans);background:0 0;border:1px solid #f7f5f066;border-radius:7px;align-items:center;gap:.5rem;padding:.85em 1.6em;font-size:.9rem;font-weight:600;text-decoration:none;transition:background .2s,border-color .2s;display:inline-flex}.pv-cta-outline:hover{background:#f7f5f014;border-color:#f7f5f0b3}.pv-article-hero{background:linear-gradient(158deg, var(--pv-navy-deep) 0%, var(--pv-navy) 58%, var(--pv-navy-mid) 100%);color:var(--pv-off-white);padding:3.25rem 0 3rem;position:relative;overflow:hidden}.pv-article-hero:before{content:"";opacity:.09;pointer-events:none;background-image:radial-gradient(#f0e6d280 1px,#0000 1px);background-size:34px 34px;position:absolute;inset:0;-webkit-mask-image:linear-gradient(#000 0%,#0000 85%);mask-image:linear-gradient(#000 0%,#0000 85%)}.pv-article-hero>*{z-index:1;position:relative}.pv-article-hero h1{color:var(--pv-off-white);max-width:21ch;margin-bottom:0;font-size:clamp(2rem,3.6vw,2.8rem)}.pv-article-hero .pv-container-narrow:after{content:"";background:var(--pv-gold);width:58px;height:3px;margin-top:1.6rem;display:block}.pv-breadcrumb{color:var(--pv-body-warm);margin-bottom:1rem;font-size:.8rem}.pv-breadcrumb a{color:var(--pv-body-warm);text-decoration:none}.pv-breadcrumb a:hover{color:var(--pv-navy)}.pv-article-hero .pv-breadcrumb{color:#f0e6d2b8;letter-spacing:.02em;margin-bottom:1.15rem}.pv-article-hero .pv-breadcrumb a{color:#f0e6d2d9}.pv-article-hero .pv-breadcrumb a:hover{color:var(--pv-off-white)}.pv-article-hero .pv-breadcrumb a[href=\/]{color:var(--pv-off-white);letter-spacing:-.01em;font-weight:700}.pv-article-hero .pv-breadcrumb a[href=\/]:before{content:"";background:var(--pv-gold);vertical-align:.05em;border-radius:2px;width:7px;height:7px;margin-right:.5rem;display:inline-block;transform:rotate(45deg)}.pv-article-deck{color:#f7f5f0c7;max-width:48ch;margin:1.1rem 0 0;font-size:1.08rem;line-height:1.6}.pv-article-body{max-width:43rem;color:var(--pv-navy);margin:0 auto;padding:3rem 1.75rem 1rem;font-size:1.1875rem;line-height:1.75}.pv-article-body>p{margin:0 0 1.15em}.pv-article-body h2{max-width:24ch;margin-top:2.9rem;margin-bottom:1rem;font-size:1.72rem;line-height:1.25}.pv-article-body h2:before{content:"";background:var(--pv-gold);width:34px;height:2px;margin-bottom:1.1rem;display:block}.pv-article-body h3{margin-top:2rem;margin-bottom:.7rem;font-size:1.28rem}.pv-article-body a{color:var(--pv-navy);text-decoration:underline;-webkit-text-decoration-color:var(--pv-gold);text-decoration-color:var(--pv-gold);text-underline-offset:3px;text-decoration-thickness:1.5px}.pv-article-body a:hover{-webkit-text-decoration-color:var(--pv-navy);text-decoration-color:var(--pv-navy)}.pv-article-body ul,.pv-article-body ol{margin:0 0 1.35em;padding-left:1.15rem}.pv-article-body li{margin-bottom:.5em}.pv-lede{letter-spacing:-.005em;font-size:1.34rem;line-height:1.58}.pv-note{color:var(--pv-body-warm);border-left:2px solid var(--pv-line);margin:0 0 2rem;padding-left:1rem;font-size:.95rem;line-height:1.6}.pv-bottom-line{background:linear-gradient(158deg, var(--pv-navy) 0%, var(--pv-navy-mid) 100%);color:var(--pv-off-white);border-radius:var(--pv-radius);box-shadow:var(--pv-shadow-card);margin:2rem 0 2.75rem;padding:1.85rem 1.9rem 1.6rem}.pv-bottom-line-label{text-transform:uppercase;letter-spacing:.16em;color:var(--pv-gold-light);margin:0 0 1rem;font-size:.72rem;font-weight:700}.pv-bottom-line ul{gap:.85rem;margin:0;padding:0;list-style:none;display:grid}.pv-bottom-line li{color:#f7f5f0ed;margin:0;padding-left:1.35rem;font-size:1.03rem;line-height:1.6;position:relative}.pv-bottom-line li:before{content:"";background:var(--pv-gold);border-radius:2px;width:7px;height:7px;position:absolute;top:.62em;left:0;transform:rotate(45deg)}.pv-bottom-line p{color:#f7f5f0ed;font-size:1.03rem}.pv-bottom-line p:last-child,.pv-bottom-line ul:last-child{margin-bottom:0}.pv-keystat-row{grid-template-columns:repeat(2,minmax(0,1fr));gap:1.1rem;margin:2rem 0;display:grid}.pv-keystat{border:1px solid var(--pv-line);border-top:3px solid var(--pv-gold);border-radius:var(--pv-radius);box-shadow:var(--pv-shadow-card);background:#fff;margin:2rem 0;padding:1.4rem 1.5rem 1.3rem}.pv-keystat-row .pv-keystat{margin:0}.pv-keystat-value{font-family:var(--pv-font-serif);color:var(--pv-gold);letter-spacing:-.02em;overflow-wrap:break-word;margin:0;font-size:clamp(2.2rem,6.5vw,3rem);font-weight:600;line-height:1.02}.pv-keystat-label{color:var(--pv-navy);margin:.65rem 0 0;font-size:1.02rem;line-height:1.5}.pv-keystat-source{letter-spacing:.05em;text-transform:uppercase;color:var(--pv-body-warm);margin:.6rem 0 0;font-size:.82rem}.pv-pullquote{border-left:3px solid var(--pv-gold);margin:2.4rem 0;padding:0 0 0 1.5rem}.pv-pullquote blockquote{font-family:var(--pv-font-serif);color:var(--pv-navy);margin:0;font-size:1.42rem;line-height:1.42}.pv-pullquote figcaption{letter-spacing:.05em;text-transform:uppercase;color:var(--pv-body-warm);margin-top:.85rem;font-size:.85rem}.pv-table-wrap{-webkit-overflow-scrolling:touch;border:1px solid var(--pv-line);border-radius:var(--pv-radius);background:#fff;margin:2rem 0;overflow-x:auto}.pv-table{border-collapse:collapse;width:100%;min-width:33rem;font-size:.98rem}.pv-table caption{caption-side:top;text-align:left;text-transform:uppercase;letter-spacing:.14em;color:var(--pv-body-warm);padding:1rem 1.1rem .6rem;font-size:.78rem;font-weight:700}.pv-table th{text-align:left;font-family:var(--pv-font-sans);text-transform:uppercase;letter-spacing:.07em;color:var(--pv-off-white);background:var(--pv-navy);padding:.8rem 1.1rem;font-size:.78rem;font-weight:700}.pv-table td{border-bottom:1px solid var(--pv-line);color:var(--pv-navy);padding:.78rem 1.1rem}.pv-table tbody tr:last-child td{border-bottom:none}.pv-table tbody tr:nth-child(2n){background:#ece6da66}.pv-table td:last-child{font-weight:700}.pv-cta-band{background:var(--pv-stone);border-radius:var(--pv-radius);border-left:3px solid var(--pv-gold);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:1.5rem;margin:2.75rem 0;padding:1.5rem 1.6rem;display:flex}.pv-cta-band-heading{font-family:var(--pv-font-serif);color:var(--pv-navy);margin:0;font-size:1.24rem;line-height:1.3}.pv-cta-band-body{color:var(--pv-body-warm);max-width:42ch;margin:.5rem 0 0;font-size:.95rem;line-height:1.55}.pv-cta-band-text{flex:20rem}.pv-footer{background:var(--pv-navy-deep);color:#f7f5f0b3;margin-top:4rem;padding:3rem 0 2rem}.pv-footer .pv-wordmark{color:var(--pv-off-white);margin-bottom:1rem;display:inline-flex}.pv-disclaimer{color:#f7f5f08c;border-top:1px solid var(--pv-line-light);margin-top:1.5rem;padding-top:1.5rem;font-size:.78rem;line-height:1.6}.pv-disclaimer p{max-width:90ch}.pv-footer-links{flex-wrap:wrap;gap:1.5rem;margin-bottom:1.5rem;font-size:.82rem;font-weight:600;display:flex}.pv-footer-links a{color:#f7f5f0bf;text-decoration:none;transition:color .2s}.pv-footer-links a:hover{color:var(--pv-off-white)}.pv-view-all{background:var(--pv-stone);border:1px solid var(--pv-line);border-radius:var(--pv-radius);color:var(--pv-navy);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:1rem;margin-top:1.5rem;padding:1.25rem 1.75rem;text-decoration:none;transition:background .2s,border-color .2s;display:flex}.pv-view-all:hover{background:var(--pv-cream);border-color:var(--pv-gold)}.pv-view-all span:first-child{font-family:var(--pv-font-serif);font-size:1.1rem}.pv-view-all span:last-child{font-family:var(--pv-font-sans);letter-spacing:.06em;text-transform:uppercase;color:var(--pv-gold);white-space:nowrap;font-size:.85rem;font-weight:700}html,body{-webkit-text-size-adjust:100%;-moz-text-size-adjust:100%;text-size-adjust:100%;overflow-x:clip}.pv-article-body table{max-width:100%}@media (width<=640px){.pv-container,.pv-container-narrow{padding-left:1.1rem;padding-right:1.1rem}.pv-header{padding:1rem 0}.pv-header-inner{gap:.6rem}.pv-wordmark{font-size:1.15rem}.pv-nav-links{white-space:nowrap;gap:.9rem;font-size:.78rem}.pv-hero{padding:2rem 0 2.5rem}.pv-hero h1{max-width:none;font-size:1.7rem}.pv-hero-sub{font-size:1rem}.pv-article-hero{padding:2rem 0 1.9rem}.pv-article-hero h1{max-width:none;font-size:1.72rem}.pv-article-hero .pv-container-narrow:after{margin-top:1.15rem}.pv-article-deck{max-width:none;font-size:1rem}.pv-article-body{max-width:none;padding:2rem 1.1rem .5rem;font-size:1.125rem}.pv-article-body h2{max-width:none;margin-top:2.3rem;font-size:1.42rem}.pv-article-body h3{font-size:1.18rem}.pv-lede{font-size:1.2rem}.pv-article-body table{-webkit-overflow-scrolling:touch;display:block;overflow-x:auto}.pv-article-body .pv-table{display:table}.pv-bottom-line{margin:1.6rem 0 2.2rem;padding:1.35rem 1.25rem 1.2rem}.pv-bottom-line li,.pv-bottom-line p{font-size:1rem}.pv-keystat-row{grid-template-columns:1fr;gap:1rem}.pv-keystat{padding:1.15rem 1.2rem 1.1rem}.pv-keystat-value{font-size:2.35rem}.pv-pullquote{padding-left:1.1rem}.pv-pullquote blockquote{font-size:1.22rem}.pv-cta-band{padding:1.25rem 1.2rem}.pv-cta-band .pv-cta{text-align:center;justify-content:center;width:100%}.pv-table{min-width:30rem;font-size:.92rem}.pv-table-wrap:after{content:"Swipe to see all columns";font-family:var(--pv-font-sans);letter-spacing:.08em;text-transform:uppercase;color:var(--pv-gold);margin-top:.6rem;font-size:.72rem;font-weight:700;display:block}.pv-table th,.pv-table td{padding:.65rem .85rem}.pv-trust-box{padding:1.25rem 1.2rem}.pv-trust-bar-items{gap:.9rem 1.5rem}.pv-card,.pv-calc{padding:1.3rem}}