:root{--bg: var(--cloud);--surface: var(--white);--fg-1: var(--ink-1);--fg-2: var(--ink-2);--fg-3: var(--ink-3);--fg-4: var(--ink-4);--fg-on-green: var(--onGreen-1);--border-1: var(--line);--border-2: var(--line-strong);--brand-green: var(--green);--brand-black: var(--black);--green-50: var(--green-50);--green-100: #D4DEDE;--green-700: var(--green-700);--neutral-50: var(--paper);--neutral-100: #ECECEC;--neutral-200: var(--line);--accent-mist: #E0E5E5;--accent-rust: var(--gold);--accent-sand: var(--gold-soft);--font-sans: var(--f-sans);--font-display: var(--f-display);--font-serif: Georgia, "Times New Roman", serif;--dur-base: var(--dur);--ease-out: var(--ease);--radius-md: var(--r-md);--radius-lg: var(--r-lg);--radius-2xl: var(--r-2xl);--shadow-sm: 0 1px 2px rgba(15,58,58,.06), 0 8px 24px -16px rgba(15,58,58,.2)}*{box-sizing:border-box}html,body{margin:0;padding:0}body{background:var(--bg);color:var(--fg-1);font-family:var(--font-sans);font-size:18px;line-height:1.6;-webkit-font-smoothing:antialiased}.article{max-width:1120px;margin:0 auto;padding:96px 32px 64px}.article>.lede,.article>.section,.article>.faq-wrap,.article>.lessons-wrap,.article>.cta-card,.article>.disclaimer,.article>.author-bio,.article>.tldr,.article>.jump-to,.article>.action-grid-wrap{max-width:720px;margin-left:auto;margin-right:auto}.hero{width:100%;min-height:760px}.hero-watermark{position:absolute;right:-160px;bottom:-200px;width:720px;height:720px;opacity:.045;pointer-events:none}.hero-watermark svg{width:100%;height:100%;display:block}.hero-chart{position:absolute;right:-20px;top:50%;transform:translateY(-50%);width:min(48%,760px);height:460px;pointer-events:none}.hero-pad{position:relative;max-width:1456px;margin:0 auto;padding:56px 72px 64px;display:flex;flex-direction:column;min-height:760px}.hero-top{display:flex;align-items:center;justify-content:space-between}.hero-logo{height:30px;width:auto;display:block}.hero-meta{display:flex;align-items:center;gap:22px;font:600 13px var(--font-sans);letter-spacing:.16em;text-transform:uppercase;color:var(--fg-3);white-space:nowrap}.hero-meta .dot{width:4px;height:4px;border-radius:999px;background:var(--fg-4)}.hero-body{flex:1;display:flex;flex-direction:column;justify-content:center;padding:56px 0;max-width:920px}.hero-eyebrow{font:600 13px/1.4 var(--font-sans);letter-spacing:.18em;text-transform:uppercase;color:var(--fg-3);margin-bottom:28px}.hero-title{font-family:var(--font-display);font-weight:900;font-size:clamp(44px,6.4vw,112px);line-height:.96;letter-spacing:-.034em;color:var(--brand-black);margin:0}.hero-kicker{font-family:var(--font-serif);font-style:italic;font-weight:500;font-size:clamp(26px,3.6vw,56px);line-height:1.1;letter-spacing:-.015em;color:var(--brand-green);margin:22px 0 0}.hero-bottom{display:flex;align-items:flex-end;justify-content:space-between;gap:32px;padding-top:36px;border-top:1px solid var(--border-2)}.hero-dek{font:400 19px/1.5 var(--font-sans);color:var(--fg-2);max-width:620px;margin:0}.hero-byline{display:flex;align-items:center;gap:14px;text-align:left;flex-shrink:0}.hero-avatar{width:48px;height:48px;border-radius:999px;background:linear-gradient(135deg,var(--accent-sand),var(--accent-mist));display:inline-flex;align-items:center;justify-content:center;font:700 15px var(--font-display);color:var(--brand-green);flex-shrink:0}.hero-who{font:600 15px/1.3 var(--font-sans);color:var(--brand-black)}.hero-role{font:500 12px var(--font-sans);color:var(--fg-3);letter-spacing:.04em;text-transform:uppercase;margin-top:2px}.tldr{background:var(--surface);border-left:4px solid var(--brand-green);padding:32px 36px;margin-bottom:40px;margin-top:16px}.tldr-label{font:700 12px var(--font-sans);letter-spacing:.18em;text-transform:uppercase;color:var(--brand-green);margin-bottom:16px}.tldr-body{font:400 18px/1.6 var(--font-sans);color:var(--fg-1);margin:0}.tldr-body strong{background:linear-gradient(transparent 60%,#0f3a3a1f 60%);font-weight:600;padding:0 2px}.jump-to{background:transparent;border:1px solid var(--border-1);border-radius:var(--radius-lg);padding:20px 28px 22px;margin-bottom:56px}.jump-label{font:700 11px var(--font-sans);letter-spacing:.18em;text-transform:uppercase;color:var(--fg-3);margin-bottom:12px}.jump-list{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px 18px}.jump-list li:before{content:"→";color:var(--brand-green);margin-right:8px;font-family:var(--font-serif);font-style:italic}.jump-list a{color:var(--brand-black);text-decoration:none;font:500 15px var(--font-sans);border-bottom:1px solid transparent;transition:border-color var(--dur-base) var(--ease-out),color var(--dur-base) var(--ease-out)}.jump-list a:hover{color:var(--brand-green);border-bottom-color:var(--brand-green)}.lede{margin-bottom:64px}.lede-quotes{list-style:none;margin:24px 0;font-family:var(--font-serif);font-style:italic;font-size:24px;line-height:1.4;color:var(--brand-green);border-left:2px solid var(--brand-green);padding:0 0 0 24px;display:flex;flex-direction:column;gap:8px}.article .section{margin:0 auto 72px;padding:0}.section-head{font-family:var(--font-display);font-weight:700;font-size:clamp(30px,3.4vw,42px);line-height:1.12;letter-spacing:-.025em;color:var(--brand-black);margin:0 0 28px}.section-head em,.cta-title em{font-family:var(--font-serif);font-weight:500;font-style:italic;color:var(--brand-green);letter-spacing:-.005em}.sub-head{font-family:var(--font-display);font-size:22px;font-weight:700;letter-spacing:-.012em;color:var(--brand-black);margin:40px 0 16px;line-height:1.25}.sub-head-tail{font:400 16px var(--font-serif);font-style:italic;color:var(--fg-3);margin-left:6px;letter-spacing:0}.section p,.article>.lede p{margin:0 0 22px;color:var(--fg-1)}.section p.lead,.lede p.lead,.action-grid-wrap p.lead,.faq-wrap p.lead{font-size:22px;line-height:1.5;color:var(--brand-black);margin-bottom:28px}.section p em,.section li em,.compare-foot em,.charity-note em,.spread-foot em{font-family:var(--font-serif);font-style:italic;color:var(--brand-green);font-size:1.05em;letter-spacing:-.005em}.section strong{font-weight:600}.aside-note{font:400 16px/1.5 var(--font-sans);color:var(--fg-3);border-top:1px solid var(--border-1);padding-top:16px;margin-top:32px!important}.bullets{list-style:none;padding:0;margin:0 0 24px;display:flex;flex-direction:column;gap:10px}.bullets li{padding-left:28px;position:relative;color:var(--fg-1)}.bullets li:before{content:"";position:absolute;left:0;top:.65em;width:14px;height:1px;background:var(--brand-green)}.bullets li strong{color:var(--brand-black)}.checklist{background:var(--surface);border:1px solid var(--border-1);border-radius:var(--radius-lg);padding:24px 28px;margin:28px 0}.checklist-label{font:600 13px var(--font-sans);letter-spacing:.12em;text-transform:uppercase;color:var(--brand-green);margin-bottom:16px}.checklist ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:12px}.checklist li{padding-left:32px;position:relative;font-size:16px;line-height:1.5}.checklist li:before{content:"";position:absolute;left:0;top:5px;width:18px;height:18px;border-radius:4px;background:var(--brand-green)}.checklist li:after{content:"";position:absolute;left:5px;top:9px;width:8px;height:4px;border-left:2px solid #F4F4F4;border-bottom:2px solid #F4F4F4;transform:rotate(-45deg)}.muted{color:var(--fg-3)}.callout{background:var(--brand-green);color:var(--fg-on-green);border-radius:var(--radius-lg);padding:28px 32px;margin:32px 0}.callout-label{font:700 12px var(--font-sans);letter-spacing:.18em;text-transform:uppercase;color:var(--accent-sand);margin-bottom:16px}.callout-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:12px}.callout-list li{padding-left:28px;position:relative;font-size:16px;line-height:1.55;color:#ffffffeb}.callout-list li:before{content:"";position:absolute;left:0;top:.7em;width:14px;height:1px;background:var(--accent-sand)}.callout-list li strong{color:#fff;font-weight:600}.callout-list li em{font-family:var(--font-serif);font-style:italic;color:var(--accent-sand)}.timeline{margin:32px 0;background:var(--surface);border:1px solid var(--border-1);border-radius:var(--radius-lg);padding:32px 28px 28px}.timeline-cap{font:400 15px var(--font-sans);color:var(--fg-3);text-align:center;margin-bottom:28px}.timeline-row{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);position:relative;align-items:start}.timeline-row:before{content:"";position:absolute;left:12.5%;right:12.5%;top:18px;height:1px;background:var(--border-2);z-index:0}.timeline-node{text-align:center;position:relative;z-index:1}.timeline-dot{width:36px;height:36px;border-radius:999px;background:var(--surface);border:1.5px solid var(--border-2);margin:0 auto 14px;display:flex;align-items:center;justify-content:center}.timeline-node.is-tax .timeline-dot{background:var(--brand-green);border-color:var(--brand-green);width:56px;height:56px;margin-top:-10px;margin-bottom:8px}.timeline-tax{font:700 10px var(--font-sans);letter-spacing:.14em;color:var(--accent-sand)}.timeline-label{font:700 16px var(--font-display);color:var(--brand-black);letter-spacing:-.012em}.timeline-node.is-tax .timeline-label{color:var(--brand-green)}.timeline-note{font:400 13px/1.4 var(--font-sans);color:var(--fg-3);margin-top:4px}.spread{margin:32px 0;background:var(--surface);border:1px solid var(--border-1);border-radius:var(--radius-lg);padding:28px 32px}.spread-source,.cap-source,.compare-source,.matrix-source,.espp-source,.math-source{font:600 11px var(--font-sans);letter-spacing:.16em;text-transform:uppercase;color:var(--fg-3);margin-bottom:18px}.spread-stack{display:flex;flex-direction:column;gap:8px}.spread-bar{display:flex;justify-content:space-between;align-items:center;padding:16px 20px;border-radius:var(--radius-md);font-variant-numeric:tabular-nums lining-nums}.spread-bar-label{font:500 15px var(--font-sans)}.spread-bar-value{font:700 24px var(--font-display);letter-spacing:-.015em}.spread-fmv{background:var(--green-50);color:var(--brand-black);border:1px solid var(--green-100)}.spread-strike{background:var(--neutral-100);color:var(--fg-2);border:1px solid var(--border-1)}.spread-benefit{background:var(--brand-green);color:var(--fg-on-green);margin-top:4px;border:1px solid var(--brand-green)}.spread-benefit .spread-bar-value{color:var(--accent-sand)}.spread-foot{margin:16px 0 0!important;padding-top:14px;border-top:1px solid var(--border-1);font:400 14px/1.5 var(--font-sans)!important;color:var(--fg-3)!important}.cap{margin:32px 0;background:var(--surface);border:1px solid var(--border-1);border-radius:var(--radius-lg);padding:28px 32px 32px}.cap-stack{display:flex;flex-direction:column;height:280px;border-radius:var(--radius-md);overflow:hidden;position:relative}.cap-bar{display:flex;align-items:center;padding:0 24px;position:relative}.cap-bar-inner{display:flex;flex-direction:column;gap:4px}.cap-amount{font:700 28px var(--font-display);letter-spacing:-.02em}.cap-tag{font:500 13px var(--font-sans);letter-spacing:.02em}.cap-nq{background:var(--neutral-100);border:1px solid var(--border-1);border-bottom:none}.cap-nq .cap-amount{color:var(--accent-rust)}.cap-nq .cap-tag{color:var(--fg-2)}.cap-q{background:var(--brand-green);color:var(--fg-on-green)}.cap-q .cap-amount{color:var(--accent-sand)}.cap-q .cap-tag{color:#ffffffd9}.cap-line{height:0;border-top:2px dashed var(--brand-black);position:relative;margin:0}.cap-line-label{position:absolute;right:12px;top:-10px;background:var(--surface);padding:0 8px;font:700 11px var(--font-sans);letter-spacing:.16em;text-transform:uppercase;color:var(--brand-black)}.compare{margin:32px 0;background:var(--surface);border:1px solid var(--border-1);border-radius:var(--radius-lg);padding:32px}.compare-grid{display:grid;grid-template-columns:1fr auto 1fr;gap:16px;align-items:stretch}.compare-card{padding:24px 24px 20px;border-radius:var(--radius-md);display:flex;flex-direction:column;border:1px solid var(--border-1)}.compare-good{background:var(--green-50);border-color:var(--green-100)}.compare-bad{background:#c4644a0f;border-color:#c4644a40}.compare-tag{font:700 11px var(--font-sans);letter-spacing:.16em;text-transform:uppercase;color:var(--fg-3);margin-bottom:10px}.compare-good .compare-tag{color:var(--brand-green)}.compare-bad .compare-tag{color:var(--accent-rust)}.compare-headline{font:900 48px var(--font-display);letter-spacing:-.03em;line-height:1;color:var(--brand-black);font-variant-numeric:tabular-nums lining-nums}.compare-bad .compare-headline{color:var(--accent-rust)}.compare-sub{font:500 14px var(--font-sans);color:var(--fg-3);margin:4px 0 16px}.compare-rows{display:flex;flex-direction:column;gap:0;margin:0;padding-top:8px;border-top:1px solid var(--border-1)}.compare-bad .compare-rows{border-top-color:#c4644a2e}.compare-row{display:flex;justify-content:space-between;align-items:baseline;padding:7px 0;font-size:14px}.compare-row dt{color:var(--fg-2)}.compare-row dd{color:var(--brand-black);font-weight:600;margin:0;font-variant-numeric:tabular-nums lining-nums}.compare-row.is-effective{padding-top:10px;margin-top:6px;border-top:1px solid var(--border-1);font-size:14px}.compare-bad .compare-row.is-effective{border-top-color:#c4644a2e}.compare-row.is-effective dt{font-weight:600}.compare-row.is-effective dd{font-size:17px}.compare-keep{margin-top:14px;padding-top:14px;border-top:1px solid var(--border-1);font:500 14px var(--font-sans);color:var(--fg-2)}.compare-bad .compare-keep{border-top-color:#c4644a2e}.compare-keep strong{color:var(--brand-black);font:700 18px var(--font-display);letter-spacing:-.015em}.compare-divider{display:flex;align-items:center;justify-content:center;font:500 italic 22px var(--font-serif);color:var(--fg-3)}.compare-foot{text-align:center;margin:20px 0 0!important;padding-top:16px;border-top:1px solid var(--border-1);font:400 16px var(--font-sans)!important;color:var(--fg-2)!important}.matrix{margin:32px 0;background:var(--surface);border:1px solid var(--border-1);border-radius:var(--radius-lg);padding:28px 28px 22px}.matrix-grid{display:grid;grid-template-columns:1.1fr 1fr 1fr 1fr;border-top:1px solid var(--border-2)}.matrix-cell{padding:14px 12px;font:400 15px var(--font-sans);color:var(--fg-1);border-bottom:1px solid var(--border-1);display:flex;align-items:center}.matrix-cell.matrix-h{border-bottom:1px solid var(--border-2);background:var(--neutral-50)}.matrix-cell.matrix-label{font:600 13px var(--font-sans);letter-spacing:.06em;text-transform:uppercase;color:var(--fg-3);background:var(--neutral-50)}.matrix-pill{font:700 13px var(--font-sans);letter-spacing:.04em;color:var(--brand-green)}.matrix-cell.matrix-yes span,.matrix-cell.matrix-no span{display:inline-flex;align-items:center;gap:8px;font-weight:600}.matrix-yes span:before{content:"";width:14px;height:14px;border-radius:999px;background:var(--brand-green);flex-shrink:0}.matrix-no span:before{content:"";width:14px;height:14px;border-radius:999px;background:var(--neutral-200);border:1px solid var(--border-2);flex-shrink:0}.matrix-no span{color:var(--fg-3)}.espp{margin:32px 0;background:var(--surface);border:1px solid var(--border-1);border-radius:var(--radius-lg);padding:28px 32px}.espp-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}.espp-bar{padding:22px 22px 18px;border-radius:var(--radius-md);display:flex;flex-direction:column;gap:8px}.espp-market{background:var(--neutral-100);border:1px solid var(--border-1)}.espp-paid{background:var(--green-50);border:1px solid var(--green-100)}.espp-bar-tag{font:600 11px var(--font-sans);letter-spacing:.14em;text-transform:uppercase;color:var(--fg-3)}.espp-bar-amount{font:700 36px var(--font-display);letter-spacing:-.022em;color:var(--brand-black);line-height:1;font-variant-numeric:tabular-nums lining-nums}.espp-paid .espp-bar-amount{color:var(--brand-green)}.espp-callout{margin-top:16px;background:var(--brand-green);color:var(--fg-on-green);border-radius:var(--radius-md);padding:20px 22px;display:flex;align-items:center;gap:22px}.espp-callout-amount{font:700 40px var(--font-display);color:var(--accent-sand);letter-spacing:-.02em;line-height:1;font-variant-numeric:tabular-nums lining-nums;flex-shrink:0}.espp-callout-text{font:400 15px/1.5 var(--font-sans);color:#ffffffeb}.espp-callout-text strong{color:#fff}.pullquote{margin:36px 0;padding:0 0 0 32px;border-left:3px solid var(--brand-green);font-family:var(--font-serif);font-weight:400;font-style:italic;font-size:26px;line-height:1.4;color:var(--brand-black);letter-spacing:-.005em}.pullquote cite{display:block;margin-top:16px;font-family:var(--font-sans);font-style:normal;font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--fg-3)}.action-grid-wrap{margin:72px auto 56px}.action-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:16px}.action-card{background:var(--surface);border:1px solid var(--border-1);border-radius:var(--radius-lg);padding:28px;display:flex;flex-direction:column;gap:12px;transition:border-color var(--dur-base) var(--ease-out),box-shadow var(--dur-base) var(--ease-out)}.action-card:hover{border-color:var(--border-2);box-shadow:var(--shadow-sm)}.action-num{font-family:var(--font-serif);font-style:italic;font-weight:500;font-size:28px;color:var(--brand-green);line-height:1;font-variant-numeric:tabular-nums lining-nums}.action-title{font:700 20px/1.25 var(--font-display);letter-spacing:-.012em;color:var(--brand-black);margin:0}.action-body{font:400 15px/1.55 var(--font-sans);color:var(--fg-2);margin:0;flex:1}.action-note{font:400 14px/1.4 var(--font-sans);color:var(--brand-green);margin:0;padding-top:12px;border-top:1px solid var(--border-1)}.action-note em{font-family:var(--font-serif);font-style:italic}.charity-note{margin-top:16px;background:var(--accent-sand);border-radius:var(--radius-lg);padding:22px 26px;display:flex;gap:20px;align-items:flex-start;font:400 15px/1.55 var(--font-sans);color:var(--brand-black)}.charity-icon{font:700 22px var(--font-serif);color:var(--brand-green);flex-shrink:0;line-height:1;padding-top:2px}.faq-wrap{margin:80px auto 72px}.faq{margin-top:16px;border-top:1px solid var(--border-2)}.faq-item{border-bottom:1px solid var(--border-2)}.faq-q{list-style:none;cursor:pointer;padding:20px 0;display:flex;align-items:center;justify-content:space-between;gap:24px;font:600 19px/1.4 var(--font-sans);color:var(--brand-black)}.faq-q::-webkit-details-marker{display:none}.faq-chev{font-family:var(--font-display);font-weight:300;font-size:22px;color:var(--brand-green);transition:transform var(--dur-base) var(--ease-out);flex-shrink:0}.faq-item[open] .faq-chev{transform:rotate(45deg)}.faq-a{padding:0 0 24px;font:400 17px/1.6 var(--font-sans);color:var(--fg-2);max-width:640px}.lessons-wrap{margin:80px auto;background:var(--brand-green);color:#fff;padding:48px 56px;border-radius:var(--radius-2xl)}.lessons-label{font:700 12px var(--font-sans);letter-spacing:.18em;text-transform:uppercase;color:#ffffffa6;margin-bottom:24px}.lessons{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:14px}.lessons li{display:flex;gap:20px;align-items:baseline;padding:10px 0;border-top:1px solid rgba(255,255,255,.12)}.lessons li:first-child{border-top:none;padding-top:0}.lessons-num{font-family:var(--font-serif);font-style:italic;font-weight:500;font-size:22px;color:var(--accent-sand);width:36px;flex-shrink:0;font-variant-numeric:tabular-nums lining-nums}.lessons-text{font:400 17px/1.5 var(--font-sans);color:#fffffff0}.cta-card{margin:56px auto 48px;background:var(--surface);border:1px solid var(--border-1);border-radius:var(--radius-2xl);padding:40px 44px;display:grid;grid-template-columns:1.4fr 1fr;gap:32px;align-items:center}.cta-eyebrow{font:600 12px var(--font-sans);letter-spacing:.16em;text-transform:uppercase;color:var(--fg-3);margin-bottom:12px}.cta-title{font:700 28px/1.2 var(--font-display);letter-spacing:-.018em;color:var(--brand-black);margin:0 0 12px}.cta-body{font:400 15px/1.55 var(--font-sans);color:var(--fg-2);margin:0}.cta-actions{display:flex;flex-direction:column;gap:12px;align-items:stretch}.cta-btn{background:var(--brand-green);color:#fff;text-decoration:none;text-align:center;padding:14px 18px;border-radius:var(--radius-md);font:600 15px var(--font-sans);transition:background var(--dur-base) var(--ease-out)}.cta-btn:hover{background:var(--green-700)}.cta-secondary{color:var(--brand-green);text-decoration:none;text-align:center;font:500 14px var(--font-sans)}.cta-secondary:hover{text-decoration:underline}.author-bio{margin:32px auto;padding:32px 0;border-top:1px solid var(--border-1);border-bottom:1px solid var(--border-1);display:flex;gap:24px;align-items:flex-start}.author-avatar{width:64px;height:64px;border-radius:999px;background:linear-gradient(135deg,var(--accent-sand),var(--accent-mist));display:inline-flex;align-items:center;justify-content:center;font:700 20px var(--font-display);color:var(--brand-green);flex-shrink:0;overflow:hidden}.author-avatar img{width:100%;height:100%;object-fit:cover;display:block}.author-name{font:700 19px var(--font-display);color:var(--brand-black);letter-spacing:-.012em}.author-name a{color:inherit;text-decoration:none;border-bottom:1px solid var(--border-1);transition:border-color .2s ease}.author-name a:hover{border-color:var(--brand-green)}.author-role{font:500 13px var(--font-sans);letter-spacing:.04em;text-transform:uppercase;color:var(--fg-3);margin:4px 0 14px}.author-text{font:400 15px/1.55 var(--font-sans);color:var(--fg-2);margin:0}.disclaimer{margin:24px auto 0;font:400 13px/1.55 var(--font-sans);color:var(--fg-3);padding:24px 0 0}.disclaimer strong{color:var(--fg-2);font-weight:600}@media(max-width:900px){.hero-chart{display:none}.hero-pad{padding:40px 28px 48px;min-height:auto}.hero{min-height:auto}.hero-bottom{flex-direction:column;align-items:flex-start;gap:24px}.compare-grid{grid-template-columns:1fr}.compare-divider{flex-direction:row;padding:8px 0}.action-grid{grid-template-columns:1fr}.cta-card{grid-template-columns:1fr;padding:32px}.matrix-grid{grid-template-columns:1fr 1fr;font-size:13px}.matrix-cell{font-size:13px;padding:10px}.lessons-wrap{padding:36px 28px}.timeline-row{grid-template-columns:1fr 1fr;gap:24px 12px}.timeline-row:before{display:none}}@media(max-width:600px){.article{padding:56px 20px 48px}.jump-list{gap:6px 14px}.jump-list a{font-size:14px}.espp-row{grid-template-columns:1fr}.espp-callout{flex-direction:column;align-items:flex-start;gap:10px}.matrix-grid{grid-template-columns:1fr 1fr 1fr 1fr}.matrix-cell{padding:8px 6px;font-size:11px}.matrix-cell.matrix-label{font-size:10px}}@media print{.hero{min-height:auto}.hero-chart,.hero-watermark{display:none}.lessons-wrap{color:var(--brand-black);background:transparent;border:1px solid var(--border-2)}.lessons-text{color:var(--fg-1)}.lessons-num{color:var(--brand-green)}.cta-card,.jump-to{display:none}.callout{color:var(--brand-black);background:var(--neutral-100);border:1px solid var(--border-2)}.callout-list li{color:var(--fg-1)}.callout-list li strong{color:var(--brand-black)}}.article>h2,.article>h3,.article>h4,.article>h5,.article>p,.article>ul,.article>ol,.article>blockquote,.article>figure{max-width:720px;margin-left:auto;margin-right:auto}.article>h2{font-family:var(--font-display);font-weight:400;font-size:clamp(28px,3.4vw,38px);line-height:1.12;letter-spacing:-.022em;color:var(--fg-1);margin-top:56px;margin-bottom:20px}.article>h3{font-family:var(--font-display);font-weight:500;font-size:clamp(22px,2.6vw,28px);line-height:1.18;letter-spacing:-.018em;color:var(--fg-1);margin-top:44px;margin-bottom:14px}.article>h4,.article>h5{font:600 18px/1.35 var(--font-sans);letter-spacing:-.01em;color:var(--fg-1);margin-top:36px;margin-bottom:10px}.article>p{font-size:17px;line-height:1.7;color:var(--fg-2);margin-top:0;margin-bottom:22px}.article>p strong{color:var(--fg-1)}.article>ul,.article>ol{padding-left:26px;margin-top:0;margin-bottom:24px;display:flex;flex-direction:column;gap:9px}.article>ul li,.article>ol li{font-size:17px;line-height:1.6;color:var(--fg-2)}.article>ul li::marker{color:var(--accent-rust)}.article>ol li::marker{color:var(--accent-rust);font-weight:600}.article>p a,.article>ul a,.article>ol a,.article>blockquote a{color:var(--brand-green);text-decoration:underline;text-decoration-color:var(--accent-sand);text-underline-offset:3px}.article>p a:hover,.article>ul a:hover,.article>ol a:hover{text-decoration-color:var(--accent-rust)}.article>blockquote{border-left:3px solid var(--accent-rust);background:var(--surface);border-radius:0 var(--radius-md) var(--radius-md) 0;padding:18px 24px;margin-bottom:24px}.article>blockquote p{margin:0;font-size:17px;line-height:1.65;color:var(--fg-2)}.article>figure{margin-top:8px;margin-bottom:28px}.article>figure img,.article>p img{display:block;width:100%;height:auto;border-radius:var(--radius-lg);border:1px solid var(--border-1);background:var(--surface)}.article>figure figcaption{font:400 13px/1.5 var(--font-sans);color:var(--fg-3);margin-top:10px}.article .tnum{font-variant-numeric:tabular-nums lining-nums}.gate-content{max-height:560px;overflow:hidden;position:relative}.gate-content:after{content:"";position:absolute;inset:auto 0 0;height:260px;background:linear-gradient(to bottom,rgba(244,244,244,0),var(--bg) 88%);pointer-events:none}.gate.gate-open .gate-content{max-height:none;overflow:visible}.gate.gate-open .gate-content:after{display:none}.gate.gate-open .gate-card{display:none}.gate-card{background:var(--brand-green);border-radius:var(--radius-2xl);padding:44px 44px 40px;margin:-40px 0 48px;position:relative;color:var(--fg-on-green)}.gate-kicker{font:600 12px/1 var(--font-sans);letter-spacing:.14em;text-transform:uppercase;color:var(--accent-sand);margin:0 0 14px}.gate-title{font-family:var(--font-display);font-weight:500;font-size:clamp(24px,3vw,32px);letter-spacing:-.02em;line-height:1.12;margin:0 0 12px;color:#fff}.gate-sub{font:400 15px/1.65 var(--font-sans);color:#ffffffc7;max-width:560px;margin:0 0 24px}.gate-row{display:flex;gap:10px;max-width:560px}.gate-email{flex:1;min-width:0;font:400 15px/1 var(--font-sans);color:var(--fg-1);background:#fff;border:1px solid rgba(255,255,255,.4);border-radius:999px;padding:14px 20px;outline:none}.gate-email:focus{border-color:var(--accent-rust)}.gate-btn{flex:none;font:600 14px/1 var(--font-sans);color:var(--brand-green);background:var(--accent-sand);border:0;border-radius:999px;padding:14px 24px;cursor:pointer;transition:background var(--dur-base) var(--ease-out)}.gate-btn:hover{background:#fff}.gate-btn:disabled{opacity:.65;cursor:default}.gate-consent{display:flex;align-items:flex-start;gap:10px;max-width:560px;margin-top:16px;font:400 12.5px/1.55 var(--font-sans);color:#ffffff9e;cursor:pointer}.gate-consent input{margin-top:3px;accent-color:var(--accent-rust)}.gate-msg{font:500 13.5px/1.5 var(--font-sans);color:var(--accent-sand);margin:14px 0 0}.gate-msg.is-err{color:#fca5a5}@media(max-width:600px){.gate-card{padding:32px 24px 28px}.gate-row{flex-direction:column}.gate-btn{width:100%;padding:15px 24px}}.magnet-box{background:var(--surface);border:1px solid var(--border-2);border-left:4px solid var(--accent-rust);border-radius:var(--radius-lg);padding:30px 34px 28px;margin:40px 0;box-shadow:var(--shadow-sm)}.magnet-box .mg-kicker{font:600 11px/1 var(--font-sans);letter-spacing:.14em;text-transform:uppercase;color:var(--accent-rust);margin:0 0 10px}.magnet-box .mg-title{font:600 19px/1.3 var(--font-sans);letter-spacing:-.01em;color:var(--fg-1);margin:0 0 8px}.magnet-box .mg-sub{font:400 14.5px/1.65 var(--font-sans);color:var(--fg-2);max-width:540px;margin:0 0 18px}.magnet-box .mg-row{display:flex;gap:10px;max-width:520px}.magnet-box .mg-email{flex:1;min-width:0;font:400 14.5px/1 var(--font-sans);color:var(--fg-1);background:var(--bg);border:1px solid var(--border-2);border-radius:999px;padding:13px 18px;outline:none}.magnet-box .mg-email:focus{border-color:var(--brand-green);background:#fff}.magnet-box .mg-btn{flex:none;font:600 13.5px/1 var(--font-sans);color:#fff;background:var(--brand-green);border:0;border-radius:999px;padding:13px 22px;cursor:pointer;transition:background var(--dur-base) var(--ease-out)}.magnet-box .mg-btn:hover{background:var(--green-700, #0B2727)}.magnet-box .mg-btn:disabled{opacity:.65;cursor:default}.magnet-box .mg-consent{display:flex;align-items:flex-start;gap:9px;max-width:520px;margin-top:13px;font:400 12px/1.55 var(--font-sans);color:var(--fg-3);cursor:pointer}.magnet-box .mg-consent input{margin-top:2px;accent-color:var(--brand-green)}.magnet-box .mg-msg{font:500 13px/1.5 var(--font-sans);color:var(--brand-green);margin:12px 0 0}.magnet-box .mg-msg.is-err{color:#b91c1c}.magnet-box .mg-done{font:500 15px/1.5 var(--font-sans);color:var(--brand-green);margin:0}@media(max-width:600px){.magnet-box{padding:24px 20px 22px}.magnet-box .mg-row{flex-direction:column}.magnet-box .mg-btn{width:100%;padding:14px 22px}}
