@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Libre+Caslon+Display&display=swap');
:root{--paper:#f8f6ee;--ink:#19231e;--red:#b93028;--line:#b5b8ad;--yellow:#f0db7e}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;background:var(--paper);color:var(--ink);font-family:'DM Sans',Arial,sans-serif;font-size:17px;line-height:1.65}a{color:inherit;text-underline-offset:4px}a:hover{color:var(--red)}a:focus-visible{outline:3px solid var(--red);outline-offset:5px}.skip{position:absolute;top:-100px;left:12px;background:var(--paper);padding:12px;z-index:20}.skip:focus{top:12px}.disclosure{text-align:center;background:var(--red);color:white;padding:9px 16px;font-size:12px;letter-spacing:.13em;font-weight:700}header,main,footer{max-width:1240px;margin:auto;padding-left:38px;padding-right:38px}.masthead{display:flex;justify-content:space-between;align-items:center;padding:25px 0 22px;border-bottom:3px solid var(--ink);gap:24px}.wordmark{font-family:'Libre Caslon Display',Georgia,serif;line-height:1;font-size:62px;text-decoration:none;letter-spacing:-2.5px}.wordmark span{font-style:italic}.wordmark i{color:var(--red)}.brand{display:flex;gap:12px;align-items:center;text-decoration:none;font-weight:700;font-size:14px;line-height:1.5;letter-spacing:.09em}.brand small{font-weight:400;letter-spacing:0;font-size:12px}.brand img{border-radius:0}nav{display:flex;gap:30px;border-bottom:1px solid var(--ink);padding:12px 0;flex-wrap:wrap;font-size:14px}nav a{text-decoration:none;font-weight:600}.eyebrow{font-size:13px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--red);margin:0 0 16px}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-family:'Libre Caslon Display',Georgia,serif;font-weight:400;line-height:1.06;letter-spacing:-.035em}h1{font-size:76px}h2{font-size:46px}h3{font-size:34px}.cover{padding-top:56px}.cover h1{max-width:1060px;margin-bottom:24px}.cover h1 em{color:var(--red);font-weight:400}.cover-deck{max-width:650px;font-size:20px;line-height:1.55}.cover-rule{border-top:1px solid var(--ink);border-bottom:1px solid var(--ink);display:flex;justify-content:space-between;gap:20px;margin-top:40px;padding:9px 0;font-size:12px;letter-spacing:.1em;font-weight:700}.lead-grid{display:grid;grid-template-columns:1.25fr 1fr 1fr;padding:26px 0 0;gap:0}.card{display:flex;flex-direction:column;text-decoration:none;padding:25px;border:1px solid var(--line);transition:background .15s}.card:hover{background:#eeeade;color:var(--ink)}.card-meta{display:flex;justify-content:space-between;gap:14px;font-size:12px;text-transform:uppercase;letter-spacing:.06em;font-weight:700;color:var(--red);margin-bottom:25px}.card h3{margin-bottom:16px}.card p{font-size:16px;line-height:1.5}.read{font-size:14px;font-weight:700;margin-top:auto;padding-top:16px}.read span{float:right}.featured{border:0;border-right:1px solid var(--line)}.featured:first-child{padding-left:0;padding-right:30px}.featured:last-child{border-right:0}.featured:first-child h3{font-size:43px}.directory{padding:76px 0}.section-title{display:flex;justify-content:space-between;align-items:start;border-top:3px solid var(--ink);padding-top:25px}.section-title h2{max-width:580px;width:65%;margin-bottom:32px}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.guide-grid .card h3{font-size:31px}.offer{background:var(--ink);color:var(--paper);padding:48px 55px;position:relative;margin-bottom:70px}.offer .eyebrow{color:var(--yellow)}.offer h2{font-size:50px;max-width:600px}.offer>p:not(.eyebrow){max-width:700px}.price{display:flex;align-items:center;gap:22px}.price strong{font-size:98px;letter-spacing:-.07em;line-height:1.1}.price span{font-size:20px;line-height:1.35}.amount{font-weight:700;font-size:29px;margin:14px 0}.amount span{font-size:14px;font-weight:400}.button{display:inline-flex;justify-content:space-between;gap:34px;align-items:center;text-decoration:none;background:var(--yellow);color:var(--ink);padding:15px 23px;font-weight:700;font-size:17px;min-height:52px}.button:hover{background:white;color:var(--ink)}.offer .fine{font-size:13px;line-height:1.5;color:#d4d9d0;margin:18px 0 0;max-width:600px}.breadcrumb{display:flex;gap:12px;padding:24px 0;font-size:13px;flex-wrap:wrap}.article-head{max-width:970px;margin:26px 0 40px}.article-head h1{margin:0 0 26px}.deck{font-size:24px;max-width:760px;line-height:1.5}.byline{display:flex;gap:25px;padding:18px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);font-size:13px}.article-grid{display:grid;grid-template-columns:minmax(0,760px) 265px;gap:72px}.story{font-size:19px;line-height:1.8}.intro{font-size:23px;line-height:1.65;margin-bottom:45px}.intro:first-letter{float:left;font-family:Georgia,serif;font-size:75px;line-height:.9;margin:8px 10px 0 0;color:var(--red)}.points{list-style:none;padding:0;margin:0}.points li{display:grid;grid-template-columns:54px 1fr;gap:18px;border-top:1px solid var(--line);padding:30px 0}.point-number{font-family:'Libre Caslon Display',Georgia,serif;font-size:42px;color:var(--red);line-height:1.1}.points h2{font-size:36px;line-height:1.14;margin-bottom:14px;letter-spacing:-.02em}.points p{margin-bottom:0}.contents{position:sticky;top:24px;border-top:3px solid var(--ink);padding-top:22px}.contents ol{padding-left:22px;font-size:14px;line-height:1.5}.contents li{padding:0 0 14px 4px}.contents a{text-decoration:none}.aside-note{border-top:1px solid var(--line);margin-top:20px;padding-top:22px;font-size:14px}.aside-note strong{font-family:'Libre Caslon Display',Georgia,serif;font-size:28px;line-height:1.15;display:block;margin-bottom:12px}.aside-note a{font-weight:700;color:var(--red)}.takeaway{background:#e9e9de;border-left:4px solid var(--red);padding:28px 32px;margin:26px 0 65px}.takeaway h2{font-size:36px;margin-bottom:15px}.takeaway p:last-child{margin:0}.related{margin-bottom:55px}.related-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.back{display:inline-block;margin-top:25px;font-size:15px;font-weight:700}footer{border-top:3px solid var(--ink);padding-top:30px;padding-bottom:35px;display:flex;justify-content:space-between;gap:35px;font-size:13px}.footer-brand{font-family:'Libre Caslon Display',Georgia,serif;font-size:32px;text-decoration:none}.footer-links{display:flex;gap:20px;flex-wrap:wrap;align-content:start;padding-top:10px}.not-found{padding-top:60px;padding-bottom:70px}@media(max-width:900px){h1{font-size:59px}.wordmark{font-size:48px}.brand small{display:none}.article-grid{grid-template-columns:1fr;gap:0}aside{display:none}.guide-grid{grid-template-columns:1fr 1fr}.lead-grid{grid-template-columns:1fr}.featured{border-right:0;border-bottom:1px solid var(--line);padding-left:0}.featured:first-child{padding-right:0}.featured:first-child h3{font-size:38px}.featured h3{font-size:38px}.card-meta{margin-bottom:16px}}@media(max-width:560px){header,main,footer{padding-left:20px;padding-right:20px}.disclosure{font-size:10px;letter-spacing:.055em}.masthead{gap:10px;padding:20px 0}.wordmark{font-size:39px;letter-spacing:-1.6px}.brand span{display:none}.brand img{width:40px;height:40px}nav{gap:12px 22px;font-size:13px}.cover{padding-top:35px}h1,.article-head h1{font-size:45px;line-height:1.05}.cover-deck{font-size:18px}.cover-rule{display:block;font-size:11px}.cover-rule span{display:block}.guide-grid{grid-template-columns:1fr}.directory{padding:45px 0}.section-title{display:block}.section-title h2{width:100%;font-size:38px}.offer{padding:30px 24px;margin-bottom:45px}.offer h2{font-size:38px}.offer p{font-size:16px}.offer .amount{font-size:29px}.price strong{font-size:80px}.price span{font-size:18px}.button{width:100%;gap:12px}.deck{font-size:21px}.intro{font-size:21px}.story{font-size:18px}.byline{gap:15px;font-size:12px}.points li{grid-template-columns:34px 1fr;gap:12px}.point-number{font-size:32px}.points h2{font-size:31px}.takeaway{padding:22px}.related h2{font-size:38px}.related-grid{grid-template-columns:1fr}footer{display:block}.footer-links{margin-top:22px}.article-head{margin-top:10px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

.points blockquote{margin:0 0 14px;font-family:Georgia,serif;font-size:clamp(22px,3vw,32px);line-height:1.4}.points .quote-source{font-size:14px;line-height:1.5;overflow-wrap:anywhere}