.draft-banner{padding:10px 5vw;background:#e8ddc7;color:#493d27;font-size:11px;line-height:1.6;letter-spacing:.3px}.guide-heading{max-width:1250px;margin:auto;padding:64px 6vw 52px}.guide-heading h1{max-width:940px;font-size:clamp(42px,5.7vw,78px);letter-spacing:-3px;margin:26px 0;line-height:1.12}.guide-intro{font-size:20px;line-height:1.6;max-width:740px;color:#506356}.guide-meta{font-size:12px;line-height:1.8;color:#526354;margin-top:26px}.breadcrumb{display:inline-block;font-size:13px;margin-bottom:40px;text-decoration:underline;text-underline-offset:4px}.library,.related{max-width:1250px;margin:auto;padding:0 6vw 70px}.guide-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));border-top:1px solid var(--line);border-left:1px solid var(--line)}.guide-card{display:flex;flex-direction:column;padding:35px;min-height:330px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);transition:background .2s;background:#f9f7f0}.guide-card:hover{background:#e7eadd}.guide-card .eyebrow{color:#765333;font-size:10px}.guide-card h2{font-family:Manrope,sans-serif;font-weight:500;line-height:1.25;font-size:30px;letter-spacing:-1px;margin:27px 0 18px}.guide-card p{font-size:14px;line-height:1.8;color:#526354}.read-link{display:flex;justify-content:space-between;gap:15px;margin-top:auto;padding-top:18px;font-size:12px;font-weight:600}.read-link span{font-size:22px}.hub-note{background:#e7e8df;padding:65px max(6vw,calc((100vw - 1100px)/2));line-height:1.8}.hub-note h2{font-family:var(--serif);font-size:36px;font-weight:400;margin:20px 0}.hub-note p:not(.eyebrow){max-width:760px}.reading-layout{display:grid;grid-template-columns:235px minmax(0,720px);gap:65px;max-width:1250px;margin:0 auto;padding:0 6vw 70px;border-top:1px solid var(--line)}.reading-layout aside{padding-top:40px}.reading-layout aside nav{display:block;position:sticky;top:30px;font-size:12px;line-height:1.7}.reading-layout aside ol{padding-left:20px}.reading-layout aside li{margin:16px 0}.guide-body{padding-top:40px;min-width:0;font-size:16px;line-height:1.9}.guide-body section{margin-bottom:44px;scroll-margin-top:30px}.guide-body h2{font-family:Manrope,sans-serif;font-size:27px;font-weight:500;line-height:1.3;letter-spacing:-.5px;margin-bottom:22px}.guide-body p{margin-bottom:21px}.guide-body a:not(.button){text-decoration:underline;text-underline-offset:4px}.takeaway{padding:28px;background:#e6e9dc;border-left:3px solid #637b58}.takeaway ul{margin-bottom:0;padding-left:20px}.takeaway li{padding:6px 0}.sources{border-top:1px solid var(--line);padding-top:28px;font-size:13px}.sources h2{font-size:19px}.sources ul{padding-left:20px}.guide-cta{background:#e9e3d6;padding:30px}.guide-cta>p:last-child{font-size:12px;line-height:1.7;margin:16px 0 0}.role-note{font-size:13px;line-height:1.8;max-width:740px}.role-note p{margin:0 0 15px}.draft-note{padding:13px 16px;border-left:3px solid #88613d;background:#f2e6cd;color:#513c22;font-size:12px}.guide-footer{display:grid;grid-template-columns:1fr 1.5fr;gap:65px;background:#e6e8dc}.guide-footer>div{display:block}.guide-footer .brand{margin-bottom:20px}.guide-footer a:not(.brand){text-decoration:underline}.guide-footer .role-note p{display:block}.related>.eyebrow{margin-bottom:25px}.guides-teaser{background:#e7e8df}.guides-teaser h2{font-family:var(--serif);font-size:45px;font-weight:400;margin:22px 0}.guides-teaser p{line-height:1.8;max-width:640px}.finance-contact{margin:28px 0}.finance-contact h2{font-size:22px;font-weight:500}.guide-footer p{line-height:1.8}.guide-body .button{font-size:13px}.button{max-width:100%}
@media(max-width:850px){header{height:auto;min-height:90px;gap:20px;flex-wrap:wrap;padding-top:18px;padding-bottom:18px}header nav{flex-wrap:wrap;gap:14px;font-size:12px}header nav[aria-label="Main navigation"]>a:nth-child(-n+2){display:inline-block}.reading-layout{grid-template-columns:1fr;gap:0}.reading-layout aside nav{position:static}.reading-layout aside{padding-top:24px}.reading-layout aside ol{columns:2;column-gap:35px}.reading-layout aside li{break-inside:avoid;margin-top:0}.guide-body{padding-top:24px}.guide-footer{grid-template-columns:1fr;gap:30px}.guide-card{padding:26px}.guide-card h2{font-size:26px}.guide-heading h1{letter-spacing:-2px}}
@media(max-width:560px){.guide-heading{padding:40px 6vw}.guide-heading h1{font-size:42px;letter-spacing:-1.8px}.guide-intro{font-size:17px}.guide-grid{grid-template-columns:1fr}.guide-card{min-height:290px;padding:28px}.reading-layout aside ol{columns:1}.guide-body{font-size:16px}.guide-body h2{font-size:25px}.guide-cta,.takeaway{padding:23px}.guide-footer{padding:35px 6vw}.guide-footer .role-note{font-size:13px}.hub-note h2{font-size:31px}.draft-banner{font-size:10px}.guide-heading .breadcrumb{margin-bottom:30px}.guide-meta{font-size:11px}.button{gap:20px}.guides-teaser h2{font-size:36px}}
@media print{header,.draft-banner,aside,.guide-cta,.related,footer{display:none}.reading-layout{display:block;padding:0}.guide-heading{padding:0}.guide-heading h1{font-size:32px}.guide-body{font-size:12pt}body{background:white;color:black}a{text-decoration:underline}}
/* Published editorial library */
.guide-card h3{font-family:Manrope,sans-serif;font-weight:500;line-height:1.25;font-size:30px;letter-spacing:-1px;margin:27px 0 18px}.home-guides{background:#e7e8df;border-top:1px solid var(--line)}.editorial-heading{display:grid;grid-template-columns:1.4fr 1fr;gap:65px;align-items:end;margin-bottom:40px}.editorial-heading h2{font-family:Manrope,sans-serif;font-size:clamp(36px,4vw,62px);line-height:1.12;letter-spacing:-2px;font-weight:500;margin:22px 0 0}.editorial-heading>p{font-size:16px;line-height:1.8;color:#4e6156;max-width:380px;margin:0}.featured-grid{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:14px;margin-bottom:30px}.featured-grid .guide-card{grid-column:span 2;border:1px solid #cbd0c2;min-height:320px;padding:27px}.featured-grid .guide-card:nth-child(n+4){grid-column:span 3;min-height:260px}.featured-grid .guide-card:first-child{background:#dbe2ce}.featured-grid .guide-card h3{font-size:29px}.topic-nav{display:flex;flex-wrap:wrap;gap:12px;margin:35px 0}.topic-nav a{padding:12px 18px;border:1px solid #96a38d;border-radius:30px;font-size:12px;line-height:1.5}.topic-nav a:hover{background:#e2e6d7}.topic-nav a span{padding-left:10px}.pm-feature{display:grid;gap:16px;background:#183d35;color:#f4f1e9;padding:30px;margin-top:30px}.pm-feature strong{font-family:var(--serif);font-size:31px;font-weight:400;line-height:1.3}.pm-feature>span:last-child{font-size:13px;text-decoration:underline;text-underline-offset:4px}.library-title{display:flex;justify-content:space-between;align-items:baseline;gap:25px;margin:0 0 25px}.library-title h2,.related>h2{font-family:Manrope,sans-serif;font-size:30px;font-weight:500;letter-spacing:-1px}.library-title p{white-space:nowrap;font-size:12px;color:#526354}.education-note{border-left:3px solid #687e59;padding:18px 23px;background:#e6e9dc;max-width:850px;font-size:14px;line-height:1.8}.education-note p{margin:8px 0 0}.illustrative{border-left:3px solid #9a7655;background:#eeeadf;padding:20px 24px}.guide-table-wrap{overflow-x:auto;margin:28px 0;max-width:100%;border:1px solid var(--line);background:#f9f7f0}.guide-table-wrap table{font-size:13px;line-height:1.7;min-width:530px}.guide-table-wrap th,.guide-table-wrap td{white-space:normal;vertical-align:top;padding:17px}.guide-table-wrap th[scope=row]{font-size:13px;letter-spacing:0;min-width:120px;font-weight:600}.guide-table-wrap caption{text-align:left;font-size:13px;line-height:1.6;padding:17px;background:#e6e9dc}.guide-table-wrap:focus-visible{outline:3px solid #bb713a;outline-offset:4px}.guide-body .takeaway h2{font-size:20px}.guide-footer .role-note{font-size:12px}.guide-body .education p{font-size:14px}.guides-nav{font-weight:650;text-decoration:underline;text-underline-offset:5px}header nav{gap:24px}
@media(max-width:1000px){.featured-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.featured-grid .guide-card,.featured-grid .guide-card:nth-child(n+4){grid-column:auto;min-height:300px}.featured-grid .guide-card:last-child{grid-column:1/-1;min-height:220px}.editorial-heading{gap:30px}.editorial-heading h2{font-size:40px}}
@media(max-width:850px){header nav[aria-label="Main navigation"]>a:nth-child(-n+2){display:none}.guides-header nav[aria-label="Main navigation"]>a:nth-child(-n+2){display:inline-block}header nav a.guides-nav{display:inline-block!important}header{align-items:center;gap:15px}header nav{gap:15px}.guide-card h3{font-size:26px}}
@media(max-width:600px){header{flex-direction:column;align-items:flex-start;gap:13px;padding:18px 6vw}header nav{width:100%;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:11px}header nav a{padding:7px 0}.guides-header nav>a:first-child{display:none!important}.nav-cta{padding:8px 12px}.featured-grid{display:block}.featured-grid .guide-card{margin-bottom:16px;min-height:270px}.featured-grid .guide-card:nth-child(n+4){min-height:270px}.editorial-heading{display:block}.editorial-heading>p{margin-top:24px;font-size:15px}.editorial-heading h2{font-size:37px;letter-spacing:-1.4px}.guide-card h3{font-size:27px}.library-title h2{font-size:26px}.library-title{align-items:flex-start}.topic-nav{gap:9px}.topic-nav a{font-size:11px}.pm-feature{padding:25px}.pm-feature strong{font-size:28px}.guide-heading h1{overflow-wrap:break-word}.guide-table-wrap table{min-width:510px}.guide-intro{font-size:17px}}

/* Evidence-led quote comparison: scroll within the article, retain row context. */
.quote-comparison table{border-collapse:separate;border-spacing:0;table-layout:fixed;min-width:1050px;width:100%}.quote-comparison th,.quote-comparison td{border-bottom:1px solid var(--line);border-right:1px solid var(--line);text-align:left;overflow-wrap:break-word}.quote-comparison th[scope="col"]{background:#e6e9dc;white-space:normal}.quote-comparison th[scope="row"]{position:sticky;left:0;z-index:1;background:#f0f1e7;width:180px;min-width:180px;box-shadow:2px 0 0 var(--line)}
@media print{.quote-comparison{overflow:visible}.quote-comparison table{min-width:0;font-size:8pt}.quote-comparison th,.quote-comparison td{padding:5px}.quote-comparison th[scope="row"]{position:static;min-width:0}}