:root{scroll-behavior:smooth;--ink:#19263a;--blue:#2d62af;--soft:#eff3fc}
*{box-sizing:border-box}
body{margin:0;color:var(--ink)}
body.useddeal-theme.nw-page{--nw-deep:#202752;--nw-dark:#151b3c;--nw-accent:#b9b7ff;--nw-sky:#eef0ff;--nw-brand:#273c85;--nw-brand-mark:linear-gradient(135deg,#333f87,#8989d8);--nw-bar-start:#37468c;--nw-bar-end:#827fc8;--nw-badge-bg:#dcdaff;--nw-badge-text:#202752;--nw-feature-link:#314bb5;--nw-faq-icon:#394ba9}
body.useddeal-theme.br-article-page{--br-hero-bg:#202752;--br-hero-accent:#a8a4fa;--br-insight-border:#4a5cae;--br-figure-start:#edf0ff;--br-figure-end:#dce2ff;--br-link:#2e52a5;background:#f7f8fb}
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #d77726!important;outline-offset:3px}
button,input,select,textarea{font:inherit}
.nw-header{height:80px;background:#fff;position:relative;z-index:12;box-shadow:0 2px 5px rgba(0,0,0,.035)}
.nw-header__inner{height:100%;max-width:1536px;margin:auto;padding:0 24px;display:flex;align-items:center;gap:clamp(20px,4vw,70px)}
.nw-brand{display:inline-flex;align-items:center;gap:10px;color:#273c85;text-decoration:none;font-weight:850;font-size:21px;white-space:nowrap}
.nw-brand__mark{width:29px;height:29px;display:grid;place-items:center;color:white;background:linear-gradient(135deg,#333f87,#8989d8);border-radius:7px;font-size:17px}
.nw-menu{display:flex;align-items:center;gap:19px;overflow-x:auto;scrollbar-width:none}
.nw-menu a{font-size:15px;line-height:80px;white-space:nowrap;text-decoration:none;color:#19263a;font-weight:750}
.nw-menu a:hover,.nw-menu a[aria-current=page]{color:#304ca5;text-decoration:underline;text-underline-offset:8px}
.nw-toggle{display:none;border:1px solid #cad1e2;border-radius:8px;background:#fff;padding:9px 12px;margin-left:auto;min-height:44px}
.eyebrow{font-weight:800;letter-spacing:.03em;color:#dedcff;margin:0 0 14px}
.hero-chips{display:flex;gap:8px;flex-wrap:wrap;margin:22px 0}
.quick-chip{color:#fff!important;border:1px solid #b5b7d4;border-radius:999px;padding:8px 13px;text-decoration:none;font-size:14px;background:rgba(255,255,255,.12)}
.quick-chip:hover{background:rgba(255,255,255,.24)}
.hero-cta{display:inline-flex;align-items:center;justify-content:center;min-height:48px;background:#d8d5ff;color:#202752;padding:11px 18px;border-radius:8px;font-weight:800;text-decoration:none}
.hero-cta:hover{background:#fff}
.section-lead{font-size:18px;line-height:1.7;max-width:780px}
.step-num{display:block;font-size:13px;font-weight:900;letter-spacing:.12em;color:#4a5cae}
.principles{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:24px 0 44px}
.principles>div{padding:26px;background:#f5f6fd;border:1px solid #e4e7f4;border-radius:12px}
.principles strong{font-size:19px}
.principles p{line-height:1.7}
.principles a{color:#2f55ad;font-weight:750}
.all-topics{display:flex;flex-wrap:wrap;gap:10px;margin:24px 0 64px}
.all-topics a{padding:9px 13px;border:1px solid #d6dced;border-radius:999px;text-decoration:none;color:#263c74}
.nw-content{padding-bottom:55px}
.nw-content h2{margin-top:48px}
.br-editorial-hero{min-height:350px}
.br-editorial-hero__inner>p{color:#e6e9ff;line-height:1.7;max-width:850px;font-size:18px}
.br-editorial-main{box-shadow:0 8px 28px rgba(30,37,83,.06)}
.br-editorial-main h2{font-size:clamp(24px,2.4vw,30px)}
.br-editorial-main .br-insight h2{font-family:inherit;font-size:18px;margin:0 0 8px}
.br-insight{background:#f1f3ff;border-radius:0 10px 10px 0}
.br-editorial-figure{font-size:94px;color:#6b72be;font-weight:900}
.br-toc{background:#fff;padding:1px 19px 14px;border-radius:9px}
.br-data-table{width:100%;border-collapse:collapse;min-width:550px}
.br-data-table th,.br-data-table td{padding:14px 15px;text-align:left;border-bottom:1px solid #e1e6f1;vertical-align:top;line-height:1.55}
.br-data-table th{background:#f4f6fc;color:#17274f}
.br-data-table caption{text-align:left;padding:12px 15px;font-weight:750}
.action-list{padding-left:25px;line-height:1.8;font-size:17px}
.action-list li{margin-bottom:12px}
.related-list,.hub-list{padding-left:25px;columns:2;line-height:1.7}
.related-list li,.hub-list li{break-inside:avoid;margin:0 0 11px}
.next-actions{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0 40px}
.br-button{background:#364da5}
.br-button:hover{background:#263d92}
.br-button--outline{background:white;color:#354ba3;border-color:#354ba3}
.br-button--outline:hover{background:#f1f3ff;color:#263d92}
.ad-placement{margin:36px 0;min-height:90px;padding:8px 0;border-top:1px solid #e1e6ef;border-bottom:1px solid #e1e6ef;text-align:center;overflow:hidden}
.ad-label{display:block;color:#677387;font-size:11px;letter-spacing:.08em;text-align:left;margin-bottom:6px}
.source-list{padding-left:22px}
.source-list li{margin:0 0 17px}
.source-list small{display:block;color:#667386;line-height:1.6;margin-top:3px}
.sources{border-top:1px solid #dfe3ec;margin-top:50px;padding-top:8px}
.topic-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}
.topic-card{display:block;background:#f6f7fc;border:1px solid #e4e7f2;border-radius:10px;padding:20px;text-decoration:none!important;color:#172440!important;min-height:180px}
.topic-card:hover{border-color:#7586c9;background:#f0f2fd}
.topic-card span{font-size:12px;color:#4256ad}
.topic-card h2{font-family:inherit;font-size:19px;margin:15px 0 6px}
.topic-card p{font-size:14px;line-height:1.5;margin:0}
.hub-hero{min-height:300px}
.hub-hero h1{margin-bottom:15px}
.field{margin:0 0 20px}
.field label{display:block;font-weight:750;margin:0 0 7px}
.field input,.field select,.field textarea,.template-editor{display:block;width:100%;border:2px solid #b4bfd5;border-radius:8px;background:#fff;color:#1d2b40;padding:12px;min-height:48px}
.field textarea{min-height:100px}
.check-row{display:flex;align-items:center;gap:12px;padding:10px 0;min-height:48px;font-weight:650}
.check-row input{width:22px;height:22px;flex:none;accent-color:#394faa}
.tool-form{border:1px solid #dce2ef;background:#fbfcff;border-radius:12px;padding:24px;margin:24px 0}
.form-actions{display:flex;flex-wrap:wrap;gap:11px;margin:24px 0}
.form-actions button{cursor:pointer}
.tool-result{background:#f0f4ff;border:1px solid #9facd8;border-radius:10px;padding:25px;margin:25px 0;white-space:pre-wrap;line-height:1.7}
.tool-result[hidden]{display:none}
.template-editor{line-height:1.7;min-height:450px}
.site-footer{background:#171f3f;color:#f5f6ff;padding:48px 20px 18px;margin-top:0}
.site-footer a{color:#e5e8ff}
.footer-inner{max-width:1152px;margin:auto;display:grid;grid-template-columns:2fr repeat(3,1fr);gap:28px}
.footer-inner strong{font-size:20px}
.footer-inner p{line-height:1.65;color:#d2d6ef}
.footer-col{display:flex;flex-direction:column;gap:12px}
.footer-bottom{max-width:1152px;margin:32px auto 0;border-top:1px solid #596381;padding-top:17px;font-size:13px;color:#c5cbe7}
.mobile-tabs{display:none}
.plain-main{max-width:1152px;margin:0 auto;padding:35px 20px}
.plain-main section{margin:32px 0}
.plain-main ul{columns:3;line-height:1.7}
.plain-main li{break-inside:avoid;margin-bottom:7px}
#search-results .search-hit{display:block;padding:17px;border:1px solid #dde2f0;border-radius:9px;margin:10px 0;color:#1a356a;text-decoration:none}
#search-results .search-hit small{display:block;color:#68768a;margin-top:4px}
.search-filters{display:flex;flex-wrap:wrap;gap:8px;margin:15px 0 20px}
.search-filters button{min-height:42px;border:1px solid #cbd3e8;border-radius:999px;background:#fff;color:#253d78;padding:8px 14px;cursor:pointer}
.search-filters button[aria-pressed=true]{background:#344a9c;color:#fff;border-color:#344a9c}
@media(max-width:900px){.nw-toggle{display:inline-flex;align-items:center}.nw-menu{display:none;position:absolute;top:80px;left:0;right:0;z-index:20;background:#fff;flex-direction:column;align-items:stretch;padding:8px 22px 20px;box-shadow:0 10px 20px #0002}.nw-header[data-open=true] .nw-menu{display:flex}.nw-menu a{line-height:1.5;padding:10px 2px}.footer-inner{grid-template-columns:2fr 1fr 1fr}}
@media(max-width:760px){.br-editorial-layout{grid-template-columns:1fr;margin-top:-70px}.br-editorial-side{order:2}.br-toc{position:static}.br-editorial-hero{min-height:330px}.br-editorial-hero h1{font-size:clamp(29px,7vw,42px)}.br-editorial-breadcrumb span:last-child{display:none}.br-editorial-main{padding:28px 23px 55px}.br-editorial-main p{font-size:16px}.related-list,.hub-list{columns:1}.footer-inner{grid-template-columns:1fr 1fr}.principles{grid-template-columns:1fr}}
@media(max-width:650px){.nw-hero{min-height:auto}.nw-hero__stage{min-height:520px;padding:55px 7px 120px}.nw-hero__content{margin-left:0}.nw-hero h1{font-size:37px}.nw-categories{margin-top:-58px}.topic-grid{grid-template-columns:1fr}.footer-inner{grid-template-columns:1fr 1fr}.footer-inner>div:first-child{grid-column:1/-1}.mobile-tabs{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:40;background:#fff;border-top:1px solid #d5d9e6;box-shadow:0 -4px 20px #0001}.mobile-tabs a{flex:1;text-align:center;padding:13px 4px;color:#203976;font-size:13px;font-weight:750;text-decoration:none;min-height:48px}.site-footer{padding-bottom:82px}.plain-main ul{columns:1}}
@media(max-width:390px){.nw-hero h1{font-size:32px;word-break:keep-all}.br-editorial-hero__inner{width:calc(100% - 36px)}.br-editorial-main{padding:25px 18px 45px}.nw-brand{font-size:18px}.nw-brand__mark{width:25px;height:25px}.nw-header__inner{padding:0 15px}}
@media print{.nw-header,.br-editorial-side,.site-footer,.mobile-tabs,.ad-placement,.form-actions,.next-actions{display:none!important}.br-editorial-hero{min-height:0;padding:15px 0;color:#111;background:#fff}.br-editorial-hero h1{color:#111;font-size:27px}.br-editorial-layout{display:block;width:100%;margin:0}.br-editorial-main{box-shadow:none;padding:0}.tool-result,.template-editor{border:0}.template-editor{height:auto}.br-editorial-main p{color:#111}body.print-tool-result .br-editorial-hero,body.print-tool-result .br-editorial-main>:not(#tool-result){display:none!important}body.print-tool-result #tool-result{display:block!important;background:#fff;white-space:pre-wrap;padding:0}}
@media(prefers-reduced-motion:reduce){:root{scroll-behavior:auto}*{animation-duration:.01ms!important;transition-duration:.01ms!important}}