@font-face{font-family:Montreal;src:url(fonts/PPNeueMontreal-Variable.woff2)format("woff2");font-weight:200 800;font-display:swap}@font-face{font-family:InterTight;src:url(fonts/InterTight-Variable.woff2)format("woff2");font-weight:100 900;font-display:swap}:root{color-scheme:light;--bg:#fff;--text:#091f35;--muted:#586575;--line:#091f3514;--blue:#007aff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--text);font:16px/1.6 InterTight,Arial,sans-serif}a{color:inherit;text-decoration:none}a:hover{color:#007aff}a:focus-visible,summary:focus-visible{outline:2px solid #007aff;outline-offset:5px}::selection{background:#cde6ff}.skip{position:fixed;top:-70px;background:#007aff;color:#fff;padding:10px;z-index:30}.skip:focus{top:0}.reading-progress{position:fixed;top:0;height:3px;background:#007aff;z-index:40}.top-banner{min-height:48px;display:flex;justify-content:center;align-items:center;gap:45px;border-radius:0 0 46px 46px;background:linear-gradient(110deg,#539afa,#3077eb 45%,#458aff);color:#fff;font-size:13px;position:relative;overflow:hidden}.top-banner:after,.top-banner:before{content:"";position:absolute;width:110px;height:180px;transform:rotate(-20deg);background:#ffffff12;top:-60px;left:5%;border:1px solid #ffffff10}.top-banner:after{left:auto;right:7%;transform:rotate(20deg)}.top-banner span:last-child{font-size:11px;opacity:.9}.header,.wordmark{display:flex;align-items:center}.header{max-width:1300px;margin:auto;min-height:94px;justify-content:space-between;padding:0 40px;gap:25px}.wordmark{font:650 30px/1 Montreal,Arial,sans-serif;letter-spacing:-1.5px;gap:5px}.symbol,.wordmark-dot{color:#347bea}.wordmark-dot{margin-left:-5px}.edition{font:10px/1.4 InterTight,Arial,sans-serif;letter-spacing:1px;color:#738190;border-left:1px solid #dce3e9;margin-left:15px;padding-left:15px}.header nav,.toc nav a{display:flex;gap:25px;font-size:13px}.cta,.header-link,.hero-button{background:linear-gradient(90deg,#377dfa,#2c64c5);color:#fff;border-radius:100px;padding:13px 24px;font-size:14px;display:inline-flex;align-items:center;gap:24px;border:1px solid #ffffff25;transition:background .2s,transform .2s}.cta:hover,.header-link:hover,.hero-button:hover{background:#007aff;color:#fff;transform:translateY(-1px)}.hero{background:#fff url(aqua-background.avif)center bottom/100% 100%no-repeat}.breadcrumb{max-width:1220px;margin:auto;justify-content:center;padding-top:8px}.hero-grid,.prop-article .article-hero .hero-grid{max-width:1070px;margin:50px auto 40px}.hero-copy>.eyebrow,.prop-article .article-hero .eyebrow{justify-content:center}.eyebrow{display:flex;gap:9px;align-items:center}.live-dot{width:6px;height:6px;background:#007aff;border-radius:100%}.label{font-size:9px;border-radius:6px;background:#f3f4f8;padding:5px 9px;color:#596576;margin-left:7px;letter-spacing:.4px}.prop-article .article-hero h1,h1{font:500 clamp(46px,5.7vw,80px)/1.02 InterTight,Arial,sans-serif;letter-spacing:-3.5px;margin:26px 0 23px;color:#091b2b}.intro-strip i,h1 em{font-style:normal;color:#3474d6}.prop-article .article-hero .standfirst,.standfirst{max-width:550px;margin:0 auto;font-size:18px;line-height:1.5;color:#46505e}.byline,.hero-button{justify-content:center}.hero-button{margin:27px auto 24px;min-width:175px}.byline{display:flex;align-items:center;gap:11px;font-size:12px}.avatar{width:35px;height:35px;display:grid;place-items:center;border-radius:50%;background:#fff;color:#397ae5;border:1px solid #dce6f7;font:650 21px Montreal,sans-serif}.byline strong{font-weight:550}.byline div{text-align:left}.byline div>span{display:block;font-size:11px;color:#6b7786;margin-top:2px}.byline b{margin:0 7px;font-weight:400}.intro-strip,.intro-strip a{display:flex;align-items:center}.intro-strip{max-width:950px;margin:0 auto;gap:30px;justify-content:center;font-size:13px}.prop-article .article-hero:before,.strip-title{display:none}.intro-strip a{gap:13px}.intro-strip i{color:#007aff;font-size:18px}.body-layout{max-width:1200px;display:grid;grid-template-columns:240px minmax(0,720px);gap:80px;margin:70px auto 85px;padding:0 35px;align-items:start}.toc{position:sticky;top:32px}.toc>.eyebrow{font-size:10px;color:#738191}.toc nav{display:flex;flex-direction:column}.toc nav a{border-radius:9px;gap:13px;font-size:11px;color:#8e9dad}.toc nav a span{color:#465565}.toc nav a.active{background:#edf5ff;color:#007aff}.toc nav a.active span{color:#0965ce}.aside-note{background:#f6f8fb;border-radius:18px;padding:20px}.aside-note>span{font-size:9px;color:#667d97;letter-spacing:.7px}.aside-note p{font-size:12px;line-height:1.65;color:#76818f}.editorial-note{display:flex;gap:13px;padding:18px 21px;border-radius:15px;background:#f5f8fc;font-size:12px;color:#657286;margin-bottom:40px;line-height:1.7}.editorial-note>span{display:grid;place-items:center;width:18px;height:18px;flex-shrink:0;margin-top:2px;border:1px solid #77a5e6;border-radius:50%;color:#367bde}.editorial-note p{margin:0}.prose section{margin-bottom:55px;scroll-margin-top:30px}.section-number{display:inline-block;background:#f3f5fa;border-radius:7px;padding:5px 10px;font-size:10px;color:#426487;letter-spacing:.6px}.prose h2{font:500 38px/1.1 InterTight,Arial,sans-serif;letter-spacing:-1.3px;margin:17px 0 23px}.prose p{font-size:16px;color:#596573;line-height:1.9}.prose p strong{color:#1d3045;font-weight:600}.prose p a{color:#1269cc;text-decoration:underline;text-underline-offset:3px}.prose h3{font-size:20px;font-weight:500;line-height:1.25;margin:23px 0 9px}.feature{background:#f7f8fc;border-radius:20px;padding:24px;display:flex;gap:20px;margin-top:15px}.feature:nth-of-type(2){background:#f3f0e9}.feature:nth-of-type(3){background:linear-gradient(110deg,#387feb,#2963bd);color:#fff}.feature>span{width:43px;height:43px;flex-shrink:0;border-radius:13px;display:grid;place-items:center;background:#fff;color:#357ce5;box-shadow:0 4px 16px #152c4b08;font-size:25px}.feature h3{margin:2px 0 9px}.feature p{margin:0;font-size:15px;line-height:1.75}.feature:nth-of-type(3) p{color:#edf5ff}.prose .source{font-size:11px;color:#85909c}.prose blockquote{border-radius:24px;padding:34px 40px;background:#edf5ff url(aqua-background.avif)center/cover no-repeat;margin:45px 0 55px;font:500 31px/1.25 InterTight,Arial,sans-serif;letter-spacing:-.7px}.prose blockquote span{display:block;color:#567296;font-size:10px;font-weight:400;letter-spacing:1px;margin-top:24px}.table-wrap{margin:25px 0}caption,table{text-align:left}table{font-size:13px;width:100%;min-width:690px;border-collapse:collapse}caption{padding:16px 19px;background:#f4f7fc;color:#60738b;font-size:11px}thead th{background:#f9fbff}tbody th{white-space:nowrap}td{color:#5b697b;line-height:1.5}.article-table-wrap tbody tr:last-child>*,.challenge-table-wrap tbody tr:last-child>*{border-bottom:0}.risk-note{border:1px solid #e5eaf0;border-radius:16px;padding:20px 24px;margin-top:28px;background:#fafbfd}.risk-note strong{font-size:13px;font-weight:600}.risk-note p{font-size:13px;margin:7px 0 0}.cta{margin-top:20px}.cta-note{display:block;font-size:10px;color:#7c8a9d;margin-top:12px}details{background:#f5f6fa;border-radius:14px;margin-bottom:12px;padding:0 22px}summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:20px 0;font-size:16px}summary::-webkit-details-marker{display:none}summary span{font-size:24px;color:#47749f}details[open] summary span{transform:rotate(45deg)}details p{padding-bottom:20px;margin-top:0}.sources{padding-top:22px;border-top:1px solid #e5eaf0}.sources h2{font-size:17px;letter-spacing:0}.sources p{font-size:12px;color:#7b8795}footer{margin:auto;display:flex;gap:25px;align-items:center}footer .wordmark{font-size:27px;color:#367deb}footer p,footer>span{font-size:12px;color:#708198}footer>span{font-size:10px;margin-left:auto}@media (max-width:1100px){.header nav{gap:18px;font-size:12px}.edition{display:none}.body-layout{gap:45px;grid-template-columns:200px minmax(0,1fr)}h1{font-size:66px}}@media (max-width:800px){.header nav{display:none}.hero{padding-left:25px;padding-right:25px}.hero-grid{margin-top:43px}h1{font-size:59px}.body-layout{display:block;max-width:770px;padding:0 25px;margin-top:45px}.toc{position:static;margin-bottom:35px}.toc nav{display:grid;grid-template-columns:1fr 1fr;margin-bottom:0}.aside-note{display:none}}@media (max-width:560px){.top-banner{gap:15px;min-height:43px;border-radius:0 0 25px 25px;font-size:11px}.top-banner span:nth-child(2){display:none}.top-banner span:last-child{font-size:9px}.header{min-height:80px;padding:0 22px}.header-link{font-size:11px;padding:10px 15px;gap:10px}.wordmark{font-size:29px}.hero{padding:5px 20px 40px;background-image:url(aqua-background-mobile.webp);background-size:100% 100%}.breadcrumb,.byline div>span,footer p{font-size:10px}.hero-grid{margin:32px auto 27px}h1{font-size:44px;letter-spacing:-1.8px;line-height:1.06;margin:23px 0}h1 br{display:none}.eyebrow{font-size:9px}.label{font-size:8px}.standfirst{font-size:16px;max-width:340px}.hero-button{font-size:13px;margin-top:24px}.intro-strip{flex-wrap:wrap;gap:9px 19px;font-size:11px}.intro-strip a{gap:6px}.body-layout{padding:0 21px;margin-top:34px}.toc nav a{padding:9px;gap:8px}.toc nav a span{font-size:11px}.editorial-note{padding:16px;font-size:11px;margin-bottom:34px}.prose h2{font-size:32px;letter-spacing:-1px}.prose p,summary{font-size:15px}.prose h3{font-size:19px}.cta,.feature{padding:20px;gap:15px}.feature p{font-size:14px}.feature>span{width:35px;height:35px;border-radius:10px}.prose blockquote{font-size:26px;padding:28px}.prose section{margin-bottom:43px}.cta{font-size:13px;padding:14px 20px}footer{flex-wrap:wrap;gap:10px 20px;padding:28px 22px}footer>span{width:100%;margin-left:0}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}a{transition:none!important}}.guide-meta{max-width:1090px;margin:20px auto 0;padding:16px 24px;display:flex;justify-content:space-between;gap:18px;border-bottom:1px solid #e6edf5;font-size:12px;color:#68788d}.guide-meta strong{color:#1b3552;font-weight:600}.toc{max-height:calc(100vh - 64px);overflow-y:auto;overscroll-behavior:contain;scrollbar-width:thin;padding-right:8px}.toc nav{gap:0;margin:15px 0}.toc nav a{padding:8px 9px;line-height:1.5}.back-top,.toc nav a span{font-size:11px}.toc .workbook-nav{padding:0 12px}.workbook-nav summary{font-size:12px;padding:12px 0}.toc .workbook-nav nav a{display:block;font-size:10px;padding:8px 2px}.back-top{display:block;color:#2775d7;margin:18px 8px}.quick-take{background:linear-gradient(115deg,#eff6ff,#fafcff);border:1px solid #e0eafb;border-radius:22px;padding:29px;margin:0 0 40px}.quick-take h2{font-size:34px}.quick-take>a{color:#1769cd;font-size:14px}.chapter-index,.workbook-index{display:grid;grid-template-columns:1fr 1fr}.chapter-index{gap:8px;margin:24px 0}.chapter-index>a{display:flex;gap:12px;padding:14px;border:1px solid #e7edf5;border-radius:10px;font-size:12px;line-height:1.55;background:#fbfcfe}.chapter-index>a span{color:#3b7bca;font-size:10px;padding-top:2px}.workbook-index{gap:12px;padding-bottom:22px}.workbook-index>a{font-size:12px;color:#466a97;line-height:1.5}.worked-case{padding:22px 0 28px;border-bottom:1px solid #e4ebf4}.worked-case h3{color:#2065b6;font-size:21px}.worked-case p{font-size:15px}.workbook-section>.section-number{background:#e9f3ff}.workbook-section{border-top:3px solid #d9e9ff;padding-top:27px}.floating-top{position:fixed;bottom:22px;right:22px;display:flex;align-items:center;gap:9px;background:#2f77e7;color:#fff;box-shadow:0 5px 20px #1e55992b;border-radius:30px;padding:12px 17px;font-size:14px;z-index:8}.floating-top:hover{color:#fff;background:#1668dc}h3[id]{scroll-margin-top:30px}@media (max-width:800px){.toc{max-height:none;overflow:visible;padding:0}.toc .workbook-nav{margin-top:15px}.toc .workbook-nav nav{grid-template-columns:1fr 1fr}.guide-meta{margin:10px 25px 0;flex-wrap:wrap;justify-content:center;gap:9px 18px;font-size:11px}.floating-top span{display:none}.floating-top{padding:10px 16px;bottom:15px;right:15px}.chapter-index,.workbook-index{grid-template-columns:1fr}.quick-take{padding:23px}.quick-take h2{font-size:30px}.toc nav a span{font-size:11px}.worked-case p{font-size:15px}.worked-case h3{font-size:20px}}@media print{.floating-top,.guide-index,.guide-meta,.header,.hero,.reading-progress,.toc,.top-banner,footer{display:none}.body-layout{display:block;margin:0;padding:0}.body-layout,.prose{max-width:none}.prose a{color:inherit}body{font-size:11pt}.worked-case{break-inside:avoid}h2,h3{break-after:avoid}}.editorial-page{background:#fff;color:#0b2038}.news-ticker{height:40px;background:linear-gradient(100deg,#4b92fc,#276bd2);color:#fff;display:flex;overflow:hidden;align-items:stretch}.news-ticker__items,.news-ticker__label{display:flex;align-items:center;white-space:nowrap}.news-ticker__label{gap:8px;padding:0 28px;background:#0b2038;font-size:10px;letter-spacing:1px;font-weight:700}.news-ticker__label i{width:7px;height:7px;border-radius:50%;background:#fff}.news-ticker__items{gap:52px;padding:0 32px;font-size:12px;overflow:hidden}.news-ticker__items span:before{content:"•";margin-right:14px;opacity:.7}.editorial-header{border-bottom:1px solid #e2eaf3;background:#fff}.editorial-header__main,.editorial-header__utility{max-width:1180px;margin:auto;display:flex;justify-content:space-between;align-items:center}.editorial-header__utility{height:34px;border-bottom:1px solid #eef2f6;color:#76879a;font-size:10px;letter-spacing:.7px}.editorial-header__main{padding:18px 0;gap:20px}.editorial-logo{display:flex;align-items:center;gap:4px;font:650 29px/1 Montreal,Arial,sans-serif;letter-spacing:-1.5px;color:#10233b}.editorial-logo .brand-mark,.editorial-logo>span:not(.brand-mark){color:#2879ef}.editorial-logo .brand-mark{font-size:28px;margin-right:2px}.editorial-logo small{margin-left:13px;padding-left:13px;border-left:1px solid #dce5ef;color:#74849a;font:9px/1.35 InterTight,Arial,sans-serif;letter-spacing:.9px}.header-tools{display:flex;align-items:center;gap:20px;font-size:12px;color:#5c7087}.editorial-header .header-cta{padding:10px 15px;font-size:11px}.editorial-nav{background:#10243e;display:flex;justify-content:center;gap:34px;padding:12px 22px}.editorial-nav a{color:#f4f8fd;font-size:12px}.article-shell{max-width:980px;margin:auto;padding:29px 30px 0}.breadcrumb{font-size:11px;color:#7d8da0;display:flex;gap:9px;align-items:center}.breadcrumb a{color:#2977da}.article-header{max-width:860px;padding:28px 0 42px}.article-kicker,.section-label{font-size:10px;font-weight:700;letter-spacing:1.35px;color:#397edb}.article-header h1{font:550 clamp(40px,5vw,67px)/1.02 InterTight,Arial,sans-serif;letter-spacing:-3px;margin:16px 0;color:#0a2039}.article-header h1 em{font-style:normal;color:#3179dd}.article-deck{max-width:690px;font-size:19px;line-height:1.55;color:#5c6d80;margin:0 0 25px}.article-meta{display:flex;align-items:center;gap:10px;flex-wrap:wrap;color:#6d7d90;font-size:11px}.article-meta strong{font-size:12px;color:#30475f}.article-meta small{display:block;font-size:10px;margin-top:2px}.article-meta b{color:#b1becc;font-weight:400}.desk-avatar{height:32px;width:32px;border-radius:50%;display:grid;place-items:center;background:#edf5ff;border:1px solid #cfe2fa;color:#2e78da;font:600 14px Montreal,Arial,sans-serif}.article-divider{height:1px;background:#e6edf4}.article-layout{max-width:1180px;margin:0 auto;padding:54px 30px 90px;display:grid;grid-template-columns:220px minmax(0,750px);gap:76px;align-items:start}.article-toc{position:sticky;top:25px}.article-toc>p{font-size:10px;letter-spacing:1px;color:#70829a;margin:0 0 12px}.article-toc nav{display:flex;flex-direction:column;border-top:1px solid #e5edf4}.article-toc nav a{font-size:12px;padding:11px 8px;border-bottom:1px solid #e5edf4;color:#61748a}.article-toc nav a span{display:inline-block;width:28px;color:#94a6ba;font-size:10px}.article-toc nav a.active{color:#1770db;background:#eff6ff;border-radius:7px;border-bottom-color:transparent}.article-toc nav a.active span{color:#1770db}.toc-note{margin-top:27px;border-radius:14px;background:#f4f8fc;padding:18px}.toc-note span{font-size:9px;letter-spacing:.8px;color:#6681a0}.toc-note p{font-size:11px;line-height:1.65;color:#6a7b8e;margin:9px 0 0}.article-notice{display:flex;gap:12px;padding:17px 19px;border-radius:14px;background:#f2f7fd;color:#63748a;font-size:12px;line-height:1.65;margin-bottom:33px}.article-notice>span{flex:0 0 18px;height:18px;border:1px solid #6b9ed5;color:#2878df;border-radius:50%;display:grid;place-items:center;font-size:11px;font-weight:700}.article-notice p{margin:0}.article-notice strong{color:#294967}.article-prose section{margin:0 0 54px;scroll-margin-top:26px}.article-prose h2{font:550 clamp(30px,3.3vw,43px)/1.1 InterTight,Arial,sans-serif;letter-spacing:-1.5px;margin:15px 0 19px;color:#0c243e}.article-prose h3{font-size:20px;line-height:1.25;margin:28px 0 8px;color:#173450}.article-prose p{font-size:16px;line-height:1.85;color:#586a7d}.article-prose p strong{color:#213f5b;font-weight:650}.article-intro{font-size:18px!important;line-height:1.8!important;color:#425a73!important}.article-callout{display:flex;gap:17px;margin:25px 0 5px;padding:22px;border-radius:17px;background:#f6f9fd}.article-callout>span{height:36px;width:36px;flex:0 0 36px;display:grid;place-items:center;border-radius:11px;background:#fff;color:#347fe4;font-size:20px}.article-callout h3{font-size:18px;margin:2px 0 6px}.article-callout p{font-size:14px;line-height:1.65;margin:0}.article-callout--blue{background:linear-gradient(115deg,#3f88ef,#2865be);color:#fff}.article-callout--blue>span{color:#2875d8}.article-callout--blue h3,.article-callout--blue p{color:#fff}.article-table-wrap{overflow:auto;border:1px solid #e1eaf2;border-radius:14px;margin:27px 0 4px}.article-table-wrap table{min-width:520px}.article-table-wrap caption{text-align:left;padding:15px 18px;background:#f4f8fc;color:#607790;font-size:11px}.article-table-wrap td,.article-table-wrap th{padding:15px 18px;border-bottom:1px solid #e7eef5;font-size:13px}.article-table-wrap th{font-weight:600;color:#2c4966}.article-table-wrap td{color:#627489}.article-prose blockquote{margin:31px 0 0;padding:31px 34px;border-radius:20px;background:linear-gradient(120deg,#edf6ff,#f9fbff);font:500 27px/1.3 InterTight,Arial,sans-serif;letter-spacing:-.7px;color:#1c4e82}.article-prose blockquote span{display:block;margin-top:17px;font:10px/1.4 InterTight,Arial,sans-serif;letter-spacing:.9px;color:#6583a4}.article-prose details{border:0;background:#f4f7fb;border-radius:13px;padding:0 19px;margin:10px 0}.article-prose summary{font-size:15px;font-weight:500;padding:18px 0}.article-prose details p{font-size:14px;padding:0 0 18px;margin:0}.article-sources{border-top:1px solid #e5edf4;padding-top:30px}.article-sources h2{font-size:22px;letter-spacing:-.5px}.article-sources p{font-size:13px;line-height:1.7}.editorial-footer{max-width:1180px;margin:auto;border-top:1px solid #e4ebf2;padding:32px 0;display:flex;align-items:center;gap:24px}.editorial-footer p,.editorial-footer>span{font-size:11px;color:#718198}.editorial-footer>span{margin-left:auto}@media (max-width:900px){.editorial-footer,.editorial-header__main,.editorial-header__utility{margin-left:22px;margin-right:22px}.article-layout{grid-template-columns:1fr;padding:40px 24px 70px}.article-toc{position:static}.article-toc nav{display:grid;grid-template-columns:1fr 1fr}.toc-note{display:none}.article-shell{padding-left:24px;padding-right:24px}.editorial-footer{padding-left:0;padding-right:0}.news-ticker__label{padding:0 18px}.news-ticker__items{gap:25px;padding:0 20px}.editorial-nav{overflow:auto;justify-content:flex-start;gap:25px;white-space:nowrap}.header-tools>a:not(.header-cta){display:none}}@media (max-width:560px){.news-ticker{height:35px}.news-ticker__label{font-size:9px}.news-ticker__items{font-size:10px}.editorial-header__utility{font-size:8px;height:30px}.editorial-header__main{padding:14px 0}.editorial-logo{font-size:25px}.article-meta b,.editorial-logo small{display:none}.article-header{padding:23px 0 31px}.article-header h1{font-size:42px;letter-spacing:-2px}.article-deck{font-size:16px}.article-layout{padding:31px 20px 55px}.article-toc nav{grid-template-columns:1fr}.article-prose p{font-size:15px}.article-intro{font-size:16px!important}.article-prose h2{font-size:32px}.article-prose blockquote{font-size:23px;padding:26px}.editorial-footer{margin:0 20px;flex-wrap:wrap}.editorial-footer>span{width:100%;margin-left:0}.editorial-footer p{font-size:10px}}.prop-article .article-hero{min-height:0;padding:10px 40px 58px;text-align:center;background:#fff url(aqua-background.avif)center bottom/100% 100%no-repeat}.prop-article .article-hero h1 em{color:#3474d6}.prop-article .article-layout{grid-template-columns:220px minmax(0,750px);max-width:1180px;padding-top:68px}.prop-article .article-prose{max-width:750px}.firm-story{display:grid;grid-template-columns:.85fr 1.15fr;gap:32px;border-top:1px solid #e3ebf3;padding:42px 0!important;align-items:center}.firm-story figure{margin:0;position:relative;border-radius:17px;overflow:hidden;background:#f0f4f9}.firm-story img{display:block;width:100%;aspect-ratio:1.714;object-fit:cover}.firm-story figcaption{position:absolute;bottom:9px;left:9px;border-radius:5px;background:#ffffffdf;padding:4px 7px;color:#4b6683;font-size:8px;letter-spacing:.8px;text-transform:uppercase}.firm-story h2{font-size:34px;margin:14px 0 13px}.firm-story p{font-size:14px;line-height:1.7;margin:10px 0}.story-link{display:inline-flex;gap:9px;color:#1e72db;font-size:13px;margin-top:7px}.story-link span{font-size:17px}.profiles-intro{margin-bottom:0!important}.prop-article .article-toc{position:sticky;top:30px}.prop-article .top-banner{background:linear-gradient(110deg,#539afa,#3077eb 45%,#458aff)}@media (max-width:800px){.prop-article .article-hero{padding:10px 25px 45px;background-size:auto 100%}.prop-article .article-hero .hero-grid{margin-top:42px}.prop-article .article-layout{grid-template-columns:1fr;padding:44px 25px}.firm-story{grid-template-columns:1fr;gap:21px}.firm-story:nth-of-type(even) figure{order:2}.prop-article .article-toc{position:static}.prop-article .article-toc nav{display:grid;grid-template-columns:1fr 1fr}}@media (max-width:560px){.prop-article .article-hero{padding:5px 20px 40px;background-size:auto 100%}.prop-article .article-hero .hero-grid{margin:32px auto 27px}.prop-article .article-hero h1{font-size:44px;letter-spacing:-1.8px;line-height:1.06}.prop-article .article-hero h1 br{display:none}.prop-article .article-toc nav{grid-template-columns:1fr}.firm-story{padding:34px 0!important}.firm-story h2{font-size:30px}}.prop-article .article-prose .firm-story{display:block;padding:58px 0!important;border-top:1px solid #dfe8f1}.prop-article .firm-story figure{width:100%;margin:0 0 28px;border-radius:18px}.prop-article .firm-story img{width:100%;height:auto;aspect-ratio:12/7;object-fit:cover;object-position:top center}.prop-article .firm-story figcaption{font-size:10px;padding:6px 9px}.prop-article .firm-story__copy{max-width:690px}.prop-article .firm-story h2{font-size:38px;line-height:1.08;margin:15px 0 20px}.prop-article .firm-story h3{font-size:20px;margin:25px 0 8px}.prop-article .firm-story p{font-size:16px;line-height:1.85;margin:0 0 15px}.prop-article .firm-story .story-link{margin-top:5px;font-size:14px;font-weight:600}.prop-article .profiles-intro{padding-bottom:15px;margin-bottom:0!important}@media (max-width:560px){.prop-article .article-prose .firm-story{padding:42px 0!important}.prop-article .firm-story figure{margin-bottom:22px;border-radius:14px}.prop-article .firm-story h2{font-size:31px}.prop-article .firm-story p{font-size:15px}}.challenge-table-wrap{overflow-x:auto;margin:24px 0 26px;border:1px solid #dce7f2;border-radius:15px;background:#fff}.challenge-table-wrap table{width:100%;min-width:720px;border-collapse:collapse}.challenge-table-wrap caption{text-align:left;padding:14px 17px;background:#eef5fd;color:#58718f;font-size:12px}.challenge-table-wrap td,.challenge-table-wrap th{padding:14px 13px;border-bottom:1px solid #e5edf5;text-align:left;vertical-align:top;font-size:13px;line-height:1.45}.challenge-table-wrap thead th{background:#f8fbff;color:#59728f;font-size:11px;text-transform:uppercase;letter-spacing:.55px}.challenge-table-wrap tbody th{color:#173a5c;font-weight:650}.challenge-table-wrap tbody td{color:#63758a}.firm-facts{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:0 0 27px}.firm-facts>div{padding:20px 21px;border-radius:15px;background:#f4f8fd}.firm-facts>div:first-child{background:linear-gradient(135deg,#edf6ff,#f7fbff)}.prop-article .firm-facts h3{font-size:17px;margin:0 0 12px}.firm-facts ul{margin:0;padding-left:18px;color:#5d7085}.firm-facts li{font-size:14px;line-height:1.55;margin:7px 0}.firm-facts li::marker{color:#287be5}@media (max-width:560px){.firm-facts{grid-template-columns:1fr}.challenge-table-wrap{margin-left:-2px;margin-right:-2px}.challenge-table-wrap caption{font-size:11px}}.ranking{max-width:1380px;margin:18px auto 72px;padding:42px 30px 0}.ranking-heading{display:flex;align-items:end;justify-content:space-between;gap:30px;margin:0 0 30px}.ranking-heading h2{font:550 clamp(38px,4.5vw,62px)/1 InterTight,Arial,sans-serif;letter-spacing:-2.5px;max-width:760px;margin:12px 0 14px;color:#0a213a}.ranking-heading p{margin:0;color:#64758a;font-size:16px}.ranking-heading>a{flex:0 0 auto;border:1px solid #d7e4f1;border-radius:999px;padding:11px 18px;color:#226fce;font-size:12px}.ranking-columns,.ranking-row{display:grid;gap:20px;align-items:center}.ranking-columns,.ranking-firm small{font-size:9px;font-weight:700;text-transform:uppercase}.ranking-columns{padding:0 22px 10px;color:#8493a6;letter-spacing:1px}.ranking-row{position:relative;margin:10px 0;padding:22px;border:1px solid #dfe9f3;border-radius:20px;background:#fff;box-shadow:0 10px 30px #103c6908}.ranking-row--royal{border:1px solid #dab552;background:linear-gradient(112deg,#fffdf6,#f3f8ff 64%,#fff9df)}.ranking-row--royal:before{content:"ROYAL #1";position:absolute;right:18px;top:-12px;padding:5px 11px;border-radius:999px;background:linear-gradient(90deg,#ac7820,#efd479);color:#fff;font-size:9px;font-weight:800;letter-spacing:1px}.ranking-firm{display:flex;align-items:center;min-width:0}.rank-medal{width:42px;height:42px;flex:0 0 42px;display:grid;place-items:center;border-radius:13px;background:#edf5ff;color:#2475d9;font-weight:750}.ranking-row--royal .rank-medal{background:#172b43;color:#f2c963;font-size:22px}.ranking-firm small{color:#3e7dcc;letter-spacing:.5px}.ranking-firm h3{font:600 21px/1.1 InterTight,Arial,sans-serif;margin:5px 0;color:#122d48}.ranking-firm p{margin:0;color:#77869a;font-size:11px}.ranking-rating strong{display:block;font:650 26px/1 InterTight,Arial,sans-serif;color:#183650}.ranking-rating span{display:block;color:#2e7ce4;font-size:12px;letter-spacing:1px;margin:5px 0 1px}.ranking-row--royal .ranking-rating span{color:#c49328}.ranking-rating small{color:#77899b;font-size:10px}.ranking-metrics,.ranking-rules{display:grid;grid-template-columns:1fr 1fr;gap:7px}.ranking-rules span{font-size:11px;line-height:1.3;color:#4e667f}.ranking-row--royal .ranking-rules span{color:#203f5c;font-weight:700}.ranking-metrics{gap:9px 15px;margin:0}.ranking-metrics div{min-width:0}.ranking-metrics dt{color:#8b99a9;font-size:8px;text-transform:uppercase;letter-spacing:.45px}.ranking-metrics dd{margin:2px 0 0;color:#203e5b;font-size:12px;font-weight:650}.ranking-metrics s{color:#9aa6b2;font-weight:400}.ranking-action p{font-size:10px;line-height:1.45;color:#697a8d;margin:0 0 10px}.ranking-action a{display:flex;justify-content:space-between;align-items:center;padding:11px 14px;border-radius:999px;background:linear-gradient(90deg,#3f88ee,#2869ca);color:#fff;font-size:12px;font-weight:650}.ranking-action a:hover{color:#fff;transform:translateY(-1px)}.ranking-row--royal .ranking-action a{background:linear-gradient(90deg,#b67c19,#e1b84f);box-shadow:0 8px 18px #ac7a2230}.ranking-action>small{display:block;color:#99a5b1;font-size:7px;line-height:1.35;margin-top:7px}.ranking-disclosure{font-size:9px;color:#8a98a8;text-align:right;margin:13px 4px 0}.ranking+.article-hero{border-top:1px solid #e7eef5}@media (max-width:1100px){.ranking{overflow-x:auto}.ranking-columns,.ranking-heading,.ranking-row{min-width:1050px}}@media (max-width:600px){.ranking{margin:5px auto 48px;padding:28px 18px 0;overflow:visible}.ranking-heading{min-width:0;display:block;margin-bottom:20px}.ranking-heading h2{font-size:39px;letter-spacing:-1.8px}.ranking-heading>a{display:inline-flex;margin-top:18px}.ranking-columns{display:none}.ranking-row{min-width:0;display:grid;grid-template-columns:1fr 92px;gap:20px 12px;padding:20px}.ranking-firm{grid-column:1}.ranking-rating{grid-column:2;text-align:right}.ranking-rules{grid-column:1/-1}.ranking-metrics{grid-column:1/-1;grid-template-columns:repeat(3,1fr);padding:15px 0;border-top:1px solid #e3ebf3;border-bottom:1px solid #e3ebf3}.ranking-action{grid-column:1/-1}.ranking-disclosure{text-align:left}}html{scroll-padding-top:90px}body{font-family:InterTight,Arial,sans-serif;background:#fff;color:#091f35}.brand,.site-header{display:flex;align-items:center}.site-header{height:88px;max-width:1280px;margin:auto;padding:0 38px;justify-content:space-between;gap:30px}.brand{gap:4px;font:650 29px/1 Montreal,Arial,sans-serif;letter-spacing:-1.5px;color:#10233b}.brand span{color:#2879ef}.brand-mark{font-size:28px;margin-right:2px}.brand small{margin-left:13px;padding-left:13px;border-left:1px solid #dce5ef;color:#74849a;font:9px/1.35 InterTight,Arial,sans-serif;letter-spacing:.9px}.site-header nav{display:flex;gap:27px;font-size:13px}.header-cta,.primary-button{display:inline-flex;align-items:center;gap:20px;border-radius:999px;color:#fff;background:linear-gradient(100deg,#478cff,#2268d6);padding:13px 21px;font-size:13px}.header-cta:hover,.primary-button:hover{color:#fff;background:#076fe8}.hero{min-height:595px;padding:126px 30px 80px;position:relative;overflow:hidden;text-align:center;background:radial-gradient(ellipse at 50% 105%,#badbff 0,#e9f4ff 26%,#fff 67%)}.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#3e8df015 1px,transparent 1px),linear-gradient(#3e8df015 1px,transparent 1px);background-size:62px 62px;mask-image:linear-gradient(to bottom,transparent,#000 60%,transparent);pointer-events:none}.hero>:not(.hero__orb){position:relative;z-index:1}.hero__orb{position:absolute;border-radius:50%;filter:blur(4px);background:#4693ff47}.orb-a{height:400px;width:400px;left:-200px;bottom:-120px}.orb-b{height:330px;width:330px;right:-160px;bottom:-80px}.eyebrow{font-size:10px;letter-spacing:1.4px;color:#527093;font-weight:650}.eyebrow i{display:inline-block;width:6px;height:6px;border-radius:50%;background:#1479fa;margin-right:8px}.hero h1{font:500 clamp(48px,6vw,84px)/.98 InterTight,Arial,sans-serif;letter-spacing:-4px;margin:20px 0;color:#091f35}.hero h1 em{font-style:normal;color:#357ee9}.hero__lead{max-width:610px;margin:0 auto;color:#536273;font-size:18px;line-height:1.55}.hero__actions{display:flex;gap:14px;justify-content:center;margin:28px 0}.secondary-button{display:inline-flex;align-items:center;border:1px solid #d5e0ec;border-radius:999px;padding:12px 23px;font-size:13px;background:#ffffffbf}.hero__facts{display:flex;justify-content:center;gap:35px;margin-top:46px;font-size:12px;color:#68798c}.hero__facts strong{color:#0f2d4d;font-size:18px;margin-right:5px}.comparison,.guides,.table-section{max-width:1180px;margin:0 auto;padding:105px 32px}.faq,.method{margin:0 auto;padding:105px 32px}.section-heading{max-width:640px}.faq h2,.method h2,.section-heading h2{font:500 clamp(36px,4vw,56px)/1.02 InterTight,Arial,sans-serif;letter-spacing:-2.5px;margin:15px 0 20px}.section-heading>p:last-child{font-size:17px;line-height:1.65;color:#627084}.search{max-width:570px;display:flex;align-items:center;gap:11px;border:1px solid #dce7f3;border-radius:12px;padding:0 16px;margin:32px 0 25px;background:#fff;box-shadow:0 6px 20px #1234560a}.search span{font-size:24px;color:#4382db}.search input{width:100%;border:0;outline:0;padding:15px 0;font:15px InterTight,Arial,sans-serif;color:#162b43}.firm-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.firm-card,.method__grid article{background:#fff;border-radius:17px}.firm-card{border:1px solid #e0e8f1;overflow:hidden;transition:transform .2s,box-shadow .2s}.firm-card:hover{transform:translateY(-3px);box-shadow:0 16px 34px #0a376614}.firm-card img{display:block;width:100%;aspect-ratio:1.714;object-fit:cover;background:#f0f4f9}.firm-card__body{padding:17px 18px 18px;position:relative}.firm-card__number{font-size:10px;color:#4381d8;letter-spacing:1px}.firm-card h3{font-size:21px;line-height:1.1;margin:8px 0 7px;font-weight:550}.firm-card p{font-size:13px;color:#748095;margin:0 0 15px}.firm-card a,.text-link{font-size:13px;color:#2376df}.firm-card a span{float:right;font-size:18px}.no-results{padding:25px;border-radius:12px;background:#f5f8fc;color:#6a7b8e}.method{max-width:none;background:#f3f8ff;display:grid;grid-template-columns:minmax(240px,.75fr) minmax(500px,1.25fr);gap:70px;padding-left:max(32px,calc((100% - 1116px)/2));padding-right:max(32px,calc((100% - 1116px)/2))}.method__grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}.method__grid article{padding:24px}.method__grid span{color:#327be5;font-size:12px}.method__grid h3{font-size:20px;margin:17px 0 8px}.method__grid p{font-size:14px;line-height:1.6;color:#697789;margin:0}.table-section{padding-top:110px}.table-wrap{overflow-x:auto;border:1px solid #e0e8f1;border-radius:15px;margin-top:32px}td,th{padding:16px 20px;border-bottom:1px solid #e7eef5;font-size:14px}thead th{font-size:11px;color:#647a95;background:#f5f8fc;text-transform:uppercase;letter-spacing:.7px}tbody tr:last-child>*{border:0}tbody td:first-child{color:#4380d4;font-size:11px}tbody th{font-weight:550}tbody td{color:#647489}.guides{padding-top:115px}.guides>.section-heading{margin-bottom:50px}.firm-profile{display:grid;grid-template-columns:.92fr 1.08fr;gap:54px;padding:51px 0;border-top:1px solid #e3ebf4;align-items:center}.firm-profile__visual{position:relative;overflow:hidden;border-radius:16px;background:#f0f5fb}.firm-profile__visual img{display:block;width:100%;aspect-ratio:1.714;object-fit:cover}.firm-profile__visual span{position:absolute;bottom:10px;left:10px;background:#ffffffdb;border-radius:5px;padding:5px 7px;font-size:8px;letter-spacing:1px;color:#44607d}.firm-profile h2{font:500 34px/1.1 InterTight,Arial,sans-serif;letter-spacing:-1.2px;margin:16px 0}.faq p,.firm-profile p{color:#5c6b7d;font-size:15px;line-height:1.7}.faq{padding-top:40px;max-width:820px}.faq details{padding:0 20px;background:#f5f8fc;border:0;border-radius:12px;margin:10px 0}.faq summary{font-size:16px}.faq p{padding-bottom:18px;color:#5f6e80;line-height:1.65}footer{max-width:1280px;padding:35px 38px;border-top:1px solid #e5edf5}.floating-top,.meridian-card:before{display:none}@media (max-width:900px){.site-header{padding:0 22px}.site-header nav{display:none}.hero{min-height:510px;padding-top:105px}.firm-grid{grid-template-columns:repeat(2,1fr)}.firm-profile,.method{grid-template-columns:1fr;gap:35px}.firm-profile{gap:26px}.firm-profile:nth-child(odd) .firm-profile__visual{order:2}.hero h1{letter-spacing:-2.8px}.hero__facts{gap:15px;flex-wrap:wrap}.comparison,.faq,.guides,.table-section{padding-left:22px;padding-right:22px}}@media (max-width:540px){.site-header{height:76px}.brand{font-size:25px}.brand small{display:none}.header-cta{padding:11px 15px;font-size:11px;gap:8px}.hero{padding:83px 20px 55px;min-height:510px}.hero h1{font-size:47px;letter-spacing:-2.3px}.hero__lead{font-size:16px}.hero__actions{flex-direction:column;align-items:center}.hero__facts{font-size:10px;margin-top:34px}.firm-profile p,.hero__facts strong{font-size:15px}.firm-grid{grid-template-columns:1fr}.comparison,.faq,.guides,.table-section{padding-top:70px;padding-bottom:70px}.method{padding:70px 22px}.method__grid{grid-template-columns:1fr}.faq h2,.method h2,.section-heading h2{letter-spacing:-1.5px}.firm-profile{padding:37px 0}.firm-profile h2{font-size:30px}}.ranking-columns,.ranking-row{grid-template-columns:1.35fr .35fr 1.05fr 1.2fr .85fr}.ranking-firm{gap:12px}.ranking-logo{width:98px;height:52px;flex:0 0 98px;object-fit:contain;border-radius:9px;background:#fff;border:1px solid #e4ebf2}.ranking-row--royal{padding-top:29px;padding-bottom:29px;box-shadow:0 18px 48px #96701c26}.ranking-row--royal .ranking-logo{width:112px;flex-basis:112px;border-color:#e5cd88;box-shadow:0 8px 20px #a8832020}.ranking-row--royal .ranking-firm h3{font-size:24px;color:#172e47}.ranking-row--royal .ranking-firm p{color:#a47417;font-weight:750}.ranking-row--royal .ranking-metrics dd{color:#9d6f18;font-size:13px}.royal-spotlight{padding:9px 10px;margin:0 0 9px;border-radius:10px;background:#fff4cc;border:1px solid #efd98d}.royal-spotlight strong{display:block;color:#8f6411;font-size:10px;text-transform:uppercase;letter-spacing:.45px}.royal-spotlight span{display:block;margin-top:2px;color:#80692d;font-size:8px;line-height:1.35}@media (max-width:600px){.ranking-row{grid-template-columns:1fr 72px}.ranking-firm{display:grid;grid-template-columns:40px 1fr}.ranking-logo,.ranking-row--royal .ranking-logo{grid-column:1/-1;width:132px;height:55px;justify-self:start}.ranking-firm>div{grid-column:1/-1}.ranking-rating{grid-row:1}.ranking-metrics{grid-template-columns:repeat(2,1fr)}}.meridian-card{display:grid;grid-template-columns:330px minmax(0,1fr);gap:0;align-items:stretch;padding:0;overflow:hidden;border:1px solid #cbdcf0;background:#fff;box-shadow:0 22px 60px #153d6817}.meridian-badges{grid-column:1/-1;display:flex;gap:10px;align-items:center;padding:17px 22px;background:linear-gradient(90deg,#f8fbff,#fffdf6);border-bottom:1px solid #e5edf5}.meridian-badges span{display:inline-flex;align-items:center;justify-content:center;min-height:34px;padding:7px 15px;border-radius:999px;background:#eaf3ff;color:#1b64bd;font-size:10px;font-weight:800;letter-spacing:.55px;text-transform:uppercase}.meridian-badges span:first-child{background:#142a47;color:#f4d277}.meridian-badges span:nth-child(2){background:#fff4cd;color:#98701b}.meridian-badges span:last-child{background:#e4f8ed;color:#178552}.meridian-offer{display:flex;flex-direction:column;padding:31px 28px 27px;background:linear-gradient(145deg,#edf6ff,#dfeeff);border-right:1px solid #d5e4f4}.meridian-logo{display:block;width:210px;height:68px;object-fit:contain;object-position:left center;border:0;background:0 0}.meridian-offer h3{font:650 28px/1.08 InterTight,Arial,sans-serif;letter-spacing:-.9px;color:#102e53;margin:23px 0 4px}.meridian-split{margin:0 0 14px;color:#2f7de7;font-size:18px;font-weight:750}.meridian-rating{display:flex;align-items:center;gap:9px;margin-bottom:19px}.meridian-rating span{color:#19ac6f;font-size:18px;letter-spacing:2px}.meridian-rating strong{font-size:20px;color:#0d2a4e}.meridian-rating small{font-size:13px;color:#6d7f94}.meridian-price{padding:16px 18px;margin-top:auto;border-radius:14px;background:#fff;box-shadow:0 9px 24px #1f5f9910}.meridian-price>small{display:block;color:#8291a4;font-size:11px}.meridian-cta,.meridian-price>div{display:flex;align-items:center;gap:13px;margin-top:3px}.meridian-price s{color:#9ba8b8;font-size:23px;font-weight:650}.meridian-price span{color:#3a82e6;font-size:22px}.meridian-price strong{color:#2879ec;font-size:38px;line-height:1}.meridian-cta{justify-content:center;gap:16px;margin-top:15px;padding:14px 19px;border-radius:11px;background:linear-gradient(100deg,#438cff,#246fdc);color:#fff;font-size:14px;font-weight:750;box-shadow:0 10px 22px #2374db2b}.meridian-cta:hover{color:#fff;transform:translateY(-1px)}.meridian-terms{display:block;margin-top:12px;text-align:center;color:#8292a6;font-size:8px;line-height:1.45}.meridian-details{padding:27px}.meridian-rules{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}.meridian-rules>div{min-height:150px;padding:18px 16px;background:#fbfdff}.meridian-rules strong{display:block;margin-top:17px;color:#173656;font-size:14px;line-height:1.28}.rule-icon{display:grid;width:48px;height:48px;place-items:center;border-radius:13px;background:linear-gradient(145deg,#4d95ff,#2875e6);box-shadow:0 8px 18px #287be52b}.rule-icon svg{width:26px;height:26px;fill:none;stroke:#fff;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}.meridian-metrics,.meridian-rules>div{border:1px solid #dce8f5;border-radius:15px}.meridian-metrics{display:grid;grid-template-columns:repeat(3,1fr);margin:15px 0 0;overflow:hidden}.meridian-metrics>div{min-height:105px;padding:20px;border-right:1px solid #e1eaf4;border-bottom:1px solid #e1eaf4}.meridian-metrics>div:nth-child(3n){border-right:0}.meridian-metrics>div:nth-last-child(-n+3){border-bottom:0}.meridian-metrics dt{font-size:11px;color:#8a98aa}.meridian-metrics dd{margin:6px 0 0;font-size:20px;line-height:1.2;font-weight:750;color:#153554}.meridian-metrics>div:last-child dd{color:#2c7de8}.meridian-note{margin:15px 1px 0;color:#708196;font-size:11px;line-height:1.55}@media (max-width:1100px){.meridian-card{min-width:1050px}}@media (max-width:760px){.meridian-card{min-width:0;grid-template-columns:1fr}.meridian-badges{flex-wrap:wrap;padding:14px}.meridian-badges span{font-size:8px;padding:6px 10px}.meridian-offer{border-right:0;border-bottom:1px solid #d5e4f4}.meridian-details{padding:20px}.meridian-metrics,.meridian-rules{grid-template-columns:1fr 1fr}.meridian-rules>div{min-height:135px}.meridian-metrics>div:nth-child(3n){border-right:1px solid #e1eaf4}.meridian-metrics>div:nth-child(2n){border-right:0}.meridian-metrics>div:nth-last-child(-n+3){border-bottom:1px solid #e1eaf4}.meridian-metrics>div:nth-last-child(-n+2){border-bottom:0}}@media (max-width:430px){.meridian-metrics,.meridian-rules{grid-template-columns:1fr}.meridian-rules>div{min-height:0}.meridian-metrics>div,.meridian-metrics>div:nth-child(2n),.meridian-metrics>div:nth-child(3n){border-right:0}.meridian-metrics>div:nth-last-child(-n+2){border-bottom:1px solid #e1eaf4}.meridian-metrics>div:last-child{border-bottom:0}}.article-layout>*{min-width:0}.article-prose,.article-toc{max-width:100%}@media (max-width:900px){.article-layout{grid-template-columns:minmax(0,1fr)}}@media (max-width:800px){.prop-article .article-layout{grid-template-columns:minmax(0,1fr)}}.article-prose a,.article-sources p,.source-line{overflow-wrap:anywhere}