@font-face {
  font-family: 'Instrument Serif';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(/assets/instrument-serif.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Inter Tight';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(/assets/inter-tight.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
:root{--paper:#f7f6f1;--ink:#16212b;--muted:#59636d;--accent:#456586;--line:#d8dce0;--soft:#edf0f3;--white:#fffefa;--serif:'Instrument Serif',Georgia,'Times New Roman',serif;--sans:'Inter Tight',Arial,Helvetica,sans-serif}
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.skip{position:fixed;z-index:5;left:18px;top:-90px;padding:12px 20px;background:var(--ink);color:white}.skip:focus{top:12px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.edition{padding:13px 4%;display:flex;justify-content:space-between;gap:20px;border-bottom:1px solid var(--line);font-size:10px;letter-spacing:.13em;text-transform:uppercase}.edition time{white-space:nowrap}.masthead{display:flex;align-items:center;justify-content:space-between;gap:32px;padding:31px 4%;border-bottom:1px solid var(--line)}.wordmark{font-family:var(--serif);font-size:26px;line-height:1.12;max-width:310px;color:var(--ink);font-weight:bold;text-decoration:none;letter-spacing:-.025em}.wordmark span{display:block;font-family:var(--sans);font-size:10px;font-weight:400;letter-spacing:.2em;text-transform:uppercase;color:var(--accent);margin-top:14px}.masthead nav{display:flex;gap:26px;font-size:13px}.masthead nav a{text-decoration:none;white-space:nowrap}.masthead a[aria-current=page]{text-decoration:underline}.header-cta{font-size:13px;white-space:nowrap;border-bottom:1px solid var(--accent);padding:8px 0;text-decoration:none}.breadcrumb{padding:30px 4% 0;font-size:11px;color:var(--muted);max-width:1600px;margin:auto}.breadcrumb a{color:inherit;text-decoration:none}.breadcrumb span{margin-left:6px}
.layout{display:grid;grid-template-columns:158px minmax(0,720px) 214px;justify-content:center;gap:38px;max-width:1550px;padding:44px 4% 88px;margin:0 auto}.left-rail{border-right:1px solid var(--line);padding-right:21px}.left-rail nav{position:sticky;top:30px}.eyebrow{font-size:10px;text-transform:uppercase;letter-spacing:.16em;line-height:1.9;color:var(--accent);margin:0 0 18px}.left-rail a{display:block;font-size:12px;margin:0 0 12px;text-decoration:none;color:var(--ink);line-height:1.55}.left-rail a[aria-current=page]{font-weight:bold;color:var(--accent)}.rail-rule{height:1px;background:#afb5a7;margin:24px 0}.page-heading{padding-bottom:8px}.deck{font-family:var(--serif);font-size:25px;line-height:1.35;letter-spacing:-.015em;max-width:620px;color:#4c574d;margin-bottom:26px}.answer{border-top:3px solid var(--accent);padding:25px 0 0}.answer>p:last-child{font-size:19px;line-height:1.6;margin-bottom:22px}.answer .eyebrow{margin-bottom:14px}.disclosure,.fine,.review-note{font-size:12px;line-height:1.65;color:var(--muted)}.disclosure{margin:8px 0 24px}.intro-actions{display:flex;align-items:center;gap:24px;margin:25px 0 34px;font-size:13px}.button{display:inline-flex;justify-content:center;align-items:center;gap:12px;background:var(--ink);color:var(--paper);text-decoration:none;border:1px solid var(--ink);font-size:13px;line-height:1.5;padding:13px 18px;min-height:46px;transition:background .15s}.button:hover{background:#405240;color:white}.button:disabled{opacity:.65;cursor:wait}.contents{border:1px solid var(--line);padding:23px 26px;margin:36px 0 48px}.contents .eyebrow{margin-bottom:10px}.contents ol{margin:0;columns:2;column-gap:30px;font-size:13px}.contents li{break-inside:avoid;margin-bottom:7px}.contents a{color:var(--ink);text-decoration:none}.contents a:hover{text-decoration:underline}
.provider{border-top:3px solid var(--ink);padding-top:24px;position:sticky;top:30px}.provider h2{font-size:39px;margin-bottom:28px}.provider dl{margin:0 0 24px}.provider dt{font-size:9px;text-transform:uppercase;letter-spacing:.13em;color:var(--muted);margin-bottom:7px}.provider dd{font-size:13px;line-height:1.55;margin:0 0 19px}.provider .button{width:100%;font-size:12px;padding:12px 10px;text-align:center}.rail-link{display:block;font-size:12px;border-bottom:1px solid var(--line);padding:13px 0;text-decoration:none}.provider .fine{margin-top:18px;font-size:11px}.criteria article{display:flex;gap:20px;border-top:1px solid var(--line);padding:24px 0 6px}.criteria .number{font-size:11px;color:var(--accent);padding-top:5px;letter-spacing:.1em}.criteria h3{font-size:24px;margin-bottom:12px}.table-wrap{overflow:auto;border-top:2px solid var(--ink)}table{width:100%;border-collapse:collapse;font-size:13px;line-height:1.6;text-align:left}th,td{padding:18px 14px 18px 0;vertical-align:top;border-bottom:1px solid var(--line)}thead th{text-transform:uppercase;letter-spacing:.06em;font-size:10px;color:var(--accent)}tbody th{font-weight:600;width:24%}td{width:38%}.fit-section{background:var(--soft);padding:30px}.fit-list dt{font-size:11px;text-transform:uppercase;letter-spacing:.1em;color:var(--accent);margin-top:22px}.fit-list dd{margin:8px 0 0}.entry-list{border-top:1px solid var(--line)}.entry{display:flex;gap:20px;align-items:baseline;padding:25px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink)}.entry:hover h3,.entry:hover h2{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:5px}.entry-number{font-size:11px;color:var(--accent)}.entry small{display:block;font-size:9px;text-transform:uppercase;letter-spacing:.13em;color:var(--accent);margin-bottom:8px}.entry h3,.entry h2{font-size:26px;margin:0 0 10px}.entry p{font-size:14px;line-height:1.6;color:var(--muted);margin:0}.entry-arrow{margin-left:auto}.resource-list{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--line);border-left:1px solid var(--line)}.resource{padding:23px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}.resource.featured{background:var(--soft)}.resource h3{font-size:25px}.resource h3 a{color:var(--ink);text-decoration:none}.resource p:not(.eyebrow){font-size:14px;line-height:1.7}.resource .eyebrow{font-size:9px}.text-link{font-size:12px}.resource h3 a:hover{text-decoration:underline}details{border-top:1px solid var(--line);padding:17px 0}details:last-of-type{border-bottom:1px solid var(--line)}summary{font-size:16px;font-weight:500;cursor:pointer;list-style-position:outside;margin-left:18px;padding-left:4px}details p{font-size:15px;padding:16px 0 0 22px;margin-bottom:6px}
.inquiry{border-top:3px solid var(--ink);padding:30px;background:var(--soft)}.inquiry h2{max-width:540px}fieldset{border:0;margin:0;padding:0;min-width:0}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}label{display:block;font-size:12px;line-height:1.6;margin:0 0 18px;color:var(--ink)}input,textarea{display:block;width:100%;border:1px solid #b2b8aa;background:var(--white);border-radius:0;padding:11px;color:var(--ink);font-size:16px;line-height:1.5;margin-top:7px;min-height:46px}textarea{resize:vertical}input::placeholder,textarea::placeholder{font-size:13px;color:#6b7165;opacity:1}.optional{color:var(--muted)}.honeypot{position:absolute;left:-10000px;top:auto;width:1px;height:1px;overflow:hidden}.form-status:empty{margin:0}.form-status{font-size:14px;padding-top:15px}.form-status.success{border-left:3px solid var(--accent);padding-left:18px;margin-top:22px}.form-status.error{color:#803c2a}.contact-alternative{font-size:13px;margin:20px 0 0}.callout{border-top:2px solid var(--accent);background:var(--soft);padding:28px}.sources{border-top:1px solid var(--line);padding-top:30px}.sources h2{font-size:27px}.sources ol{font-size:13px}.lead{font-size:21px;line-height:1.55}.glossary dt{font-family:var(--serif);font-size:27px;margin-top:30px;letter-spacing:-.02em;border-top:1px solid var(--line);padding-top:20px}.glossary dd{margin:10px 0 0}.search-label{font-size:12px;margin-top:30px}.steps li{margin-bottom:15px}.review-note{border-top:1px solid var(--line);padding-top:20px;margin-top:46px}
footer{border-top:1px solid var(--line);padding:35px 4% 25px;display:grid;grid-template-columns:1fr auto;gap:25px;align-items:start}footer .footer-brand{font-family:var(--serif);font-size:24px;text-decoration:none;color:var(--ink)}footer>div p{font-size:10px;text-transform:uppercase;letter-spacing:.15em;margin:8px 0 0;color:var(--accent)}footer nav{display:flex;gap:22px;flex-wrap:wrap;font-size:12px;padding-top:8px}footer>.fine{grid-column:1/-1;margin:0}
@media(min-width:1500px){.masthead{padding-left:max(4%,calc((100vw - 1420px)/2));padding-right:max(4%,calc((100vw - 1420px)/2))}}
@media(max-width:1100px){.layout{grid-template-columns:135px minmax(0,1fr) 185px;gap:25px;padding-left:3%;padding-right:3%}.masthead{gap:22px}.masthead nav{gap:18px}.wordmark{font-size:23px;max-width:270px}.provider h2{font-size:35px}.provider .button{font-size:11px}.contents ol{columns:1}.inquiry{padding:25px}.resource{padding:19px}}
@media(max-width:900px){.layout{grid-template-columns:135px minmax(0,1fr);gap:28px}.right-rail{grid-column:2}.provider{position:static;border-top:2px solid var(--ink)}.provider dl{display:grid;grid-template-columns:1fr 2fr;gap:10px 20px}.provider dt,.provider dd{margin:0}.provider .button{width:auto;font-size:13px}.provider h2{margin-bottom:18px}.provider .fine{max-width:500px}.masthead{flex-wrap:wrap}.masthead nav{order:3;width:100%;border-top:1px solid var(--line);padding-top:18px}.header-cta{margin-left:auto}.wordmark{max-width:360px}.edition{font-size:9px}.contents ol{columns:2}}
@media(max-width:600px){body{font-size:16px}.edition{padding:12px 20px;font-size:8px;letter-spacing:.08em}.edition>span:first-child{max-width:52%}.edition>span:last-child{text-align:right}.masthead{padding:24px 20px 17px;gap:18px}.wordmark{font-size:24px;max-width:255px;width:100%}.wordmark span{font-size:9px;margin-top:10px}.header-cta{font-size:11px;margin-left:0}.masthead nav{gap:25px;font-size:12px;overflow-x:auto}.breadcrumb{padding:22px 20px 0;font-size:10px}.layout{display:flex;flex-direction:column;gap:0;padding:27px 20px 55px}.left-rail{display:none}.right-rail{margin-top:30px}h1{font-size:43px;letter-spacing:-.045em;line-height:1.08}h2{font-size:31px}.deck{font-size:24px}.answer{padding-top:22px}.answer>p:last-child{font-size:18px;line-height:1.65}.intro-actions{align-items:flex-start;flex-direction:column;gap:14px}.intro-actions>.button{width:100%;font-size:14px}.contents{padding:21px;margin-top:30px}.contents ol{columns:1}.contents li{margin-bottom:9px}section{margin:43px 0}.fit-section,.inquiry,.callout{padding:23px 20px}.resource-list{grid-template-columns:1fr}.resource{padding:24px}.resource h3{font-size:27px}.form-row{grid-template-columns:1fr;gap:0}.inquiry .button{width:100%}.inquiry p{font-size:15px}.inquiry .fine{font-size:11px}.entry{gap:13px}.entry h3,.entry h2{font-size:26px}.criteria article{gap:16px}.table-wrap{margin-right:-1px}table{min-width:485px;font-size:12px}.provider dl{margin-bottom:25px}.provider .fine{font-size:12px}.provider .button{font-size:13px}.rail-link{font-size:13px}footer{grid-template-columns:1fr;padding:30px 20px;gap:20px}footer nav{gap:16px;line-height:2}footer .footer-brand{font-size:24px}.review-note{font-size:11px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
@media print{.left-rail,.right-rail,.inquiry,.intro-actions,.header-cta,.masthead nav,footer nav{display:none}.layout{display:block;padding:20px}body{background:#fff;color:#000;font-size:12pt}h1{font-size:30pt}h2{font-size:22pt}a{color:inherit}.contents{break-inside:avoid}section{margin:25px 0}}
.edition{background:#0c1116;color:#d9e4ef;align-items:center;padding-top:16px;padding-bottom:16px;border:0}.brand-line{display:flex;align-items:center;gap:25px}.brand-line img{display:block;width:155px;height:auto}.brand-line>a{line-height:0}.brand-line>span{color:#9caebe;letter-spacing:.12em;font-size:9px}.edition>span:last-child{color:#aebdcb;font-size:9px}.button{background:#14212c;border-color:#14212c;color:#f0f5fa}.button:hover{background:#345370;color:#fff}a:hover{color:#254968}.deck{color:#455765}.rail-rule{background:#b5c1cc}.wordmark{font-weight:400;font-size:30px}.wordmark span{letter-spacing:.17em}.provider h2{font-size:43px}.citation{border-top:1px solid var(--line);padding-top:27px;margin-top:45px}.citation h2{font-size:28px}.citation blockquote{margin:0;padding:0;font-size:13px;line-height:1.8;color:var(--muted)}.citation blockquote a{overflow-wrap:anywhere}.citation button{margin-top:17px;background:transparent;color:var(--accent);border:1px solid #aab8c4;padding:8px 13px;font-size:12px;min-height:40px}.citation-status{font-size:11px;margin:9px 0 0;color:var(--muted)}
@media(max-width:900px){.brand-line>span{display:none}}
@media(max-width:600px){.edition{padding:15px 20px}.brand-line img{width:142px}.edition>span:last-child{font-size:8px;max-width:150px}.wordmark{font-size:28px;max-width:280px}.provider h2{font-size:42px}}
