@font-face{font-family:Atkinson;src:url(/fonts/atkinson-400-latin.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap;unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+2074,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Atkinson;src:url(/fonts/atkinson-400-italic-latin.woff2) format("woff2");font-weight:400;font-style:italic;font-display:swap;unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+2074,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Atkinson;src:url(/fonts/atkinson-700-latin.woff2) format("woff2");font-weight:700;font-style:normal;font-display:swap;unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+2074,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}:root{--paper:#FBF9F6;--paper-2:#F3EFE8;--paper-3:#EAE4DA;--ink:#1A1714;--ink-2:#453F38;--mut:#7A7268;--line:#DFD7CB;--line-2:#C8BEB0;--accent:#33475A;--accent-2:#22303C;--accent-wash:#EDF0F3;--warn:#7A3B2E;--warn-wash:#F7EFEC;--serif:Georgia,"Iowan Old Style","Palatino Linotype",Palatino,"Times New Roman",serif;--sans:Atkinson,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;--wrap:44rem;--pad:1.35rem}*,*::before,*::after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:400 1.0625rem/1.62 var(--sans);font-feature-settings:"kern" 1,"liga" 1,"onum" 0;text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased}img,svg{max-width:100%;height:auto;display:block}a{color:var(--accent);text-decoration:none;text-underline-offset:.18em;text-decoration-thickness:.06em}a:hover{text-decoration:underline;text-decoration-color:var(--line-2)}:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:2px}::selection{background:var(--accent-wash);color:var(--accent-2)}p,ul,ol,dl,table,blockquote{margin:0 0 1.1em}li{margin-bottom:.4em}strong{font-weight:700;color:var(--ink)}em{font-style:italic}hr{border:0;border-top:1px solid var(--line);margin:2.6rem 0}.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--pad)}.sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}.skip{position:absolute;left:-999px;top:0}.skip:focus{left:1rem;top:1rem;background:var(--ink);color:var(--paper);padding:.6rem 1rem;z-index:99}.mast{border-bottom:1px solid var(--line);background:var(--paper)}.mast__in{max-width:var(--wrap);margin:0 auto;padding:1.05rem var(--pad);display:flex;align-items:baseline;gap:1.6rem;flex-wrap:wrap}.mast__brand{font:700 1rem/1 var(--serif);letter-spacing:-.01em;color:var(--ink)}.mast__brand span{color:var(--mut);font-weight:400}.mast__nav{margin-left:auto;display:flex;gap:1.15rem;flex-wrap:wrap}.mast__nav a{font-size:.845rem;color:var(--ink-2);letter-spacing:.005em}.mast__nav a[aria-current]{color:var(--accent);font-weight:700}.mast__nav a[aria-current]:after{content:"";display:block;height:2px;margin-top:.28rem;background:var(--accent);border-radius:2px}.hero{padding:3.1rem 0 1.9rem;border-bottom:1px solid var(--line)}.crumbs{font-size:.79rem;color:var(--mut);margin:0 0 1.5rem;letter-spacing:.01em}.crumbs span{margin:0 .45rem;color:var(--line-2)}.crumbs a{color:var(--mut)}.kicker{font:700 .715rem/1 var(--sans);letter-spacing:.15em;text-transform:uppercase;color:var(--accent);margin:0 0 1.15rem}h1{font:400 clamp(2rem,5.1vw,3.15rem)/1.08 var(--serif);letter-spacing:-.021em;margin:0 0 1.15rem;color:var(--ink);text-wrap:balance}.lede{font-size:1.2rem;line-height:1.5;color:var(--ink-2);max-width:34em;margin:0 0 1.4rem}.lede--drop:first-letter{float:left;font:400 2.78em/0.82 var(--serif);padding:.04em .03em 0 0;color:var(--accent)}.byline{display:flex;gap:.6rem 1.15rem;flex-wrap:wrap;font-size:.79rem;color:var(--mut);letter-spacing:.015em;border-top:1px dotted var(--line-2);padding-top:.85rem;margin:0}.byline span+span:before{content:"·";margin-right:1.15rem;color:var(--line-2)}.answer{background:var(--paper-2);border:1px solid var(--line);border-left:3px solid var(--accent);border-radius:3px;padding:1.25rem 1.4rem 1.05rem;margin:0 0 2.4rem}.answer h2{font:700 .715rem/1 var(--sans);letter-spacing:.15em;text-transform:uppercase;color:var(--accent);margin:0 0 .6rem}.answer p{font-size:1.02rem;line-height:1.55;margin:0;color:var(--ink-2)}.pdfnote{margin:0 0 .7rem;font-size:.86rem;color:var(--mut);border-left:2px solid var(--accent);padding:.12rem 0 .12rem .7rem;line-height:1.5}.pdfnote a{color:var(--accent);text-decoration:underline;text-underline-offset:2px;font-weight:700}.answer p+p{margin-top:.6rem}.answer strong{color:var(--ink)}main{padding-bottom:2rem}.sec{margin:0 0 2.9rem;scroll-margin-top:1.5rem}.sec h2{font:400 1.5rem/1.24 var(--serif);letter-spacing:-.012em;margin:0 0 1rem;color:var(--ink);text-wrap:balance}.sec h2 .n{font:700 .74rem/1 var(--sans);letter-spacing:.1em;color:var(--accent);display:block;margin-bottom:.62rem;text-transform:uppercase}.sec h3{font:700 1.02rem/1.35 var(--sans);margin:1.8rem 0 .55rem;letter-spacing:0}.sec p,.sec li{max-width:37em;color:var(--ink-2)}.sec ul,.sec ol{padding-left:1.15em}.sec>p:first-of-type{font-size:1.09rem;color:var(--ink)}.tw{overflow-x:auto;margin:1.5rem 0 1.7rem;border:1px solid var(--line);border-radius:3px;background:#fff}table{border-collapse:collapse;width:100%;font-size:.905rem;margin:0}caption{caption-side:top;text-align:left;font-size:.79rem;color:var(--mut);padding:.75rem 1rem .1rem;letter-spacing:.01em}th,td{text-align:left;padding:.62rem .9rem;border-bottom:1px solid var(--line);vertical-align:top}thead th{background:var(--paper-3);font:700 .74rem/1.3 var(--sans);letter-spacing:.07em;text-transform:uppercase;color:var(--ink);white-space:nowrap}tbody tr:last-child td{border-bottom:0}tbody tr:nth-child(even){background:#FCFBF9}td.num,th.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}td.em{font-weight:700;color:var(--ink)}.phase{display:grid;gap:0;margin:1.7rem 0 1.9rem;border-top:1px solid var(--line)}.phase__row{display:grid;grid-template-columns:7.6rem 1fr;gap:1.15rem;padding:1rem 0;border-bottom:1px solid var(--line);align-items:start}.phase__t{font:700 .74rem/1.5 var(--sans);letter-spacing:.09em;text-transform:uppercase;color:var(--accent);padding-top:.16rem}.phase__b{font-size:.98rem;color:var(--ink-2)}.phase__b strong{color:var(--ink)}.note{border-left:2px solid var(--line-2);padding:.15rem 0 .15rem 1.05rem;margin:1.5rem 0;color:var(--ink-2);font-size:.98rem}.note--warn{border-left-color:var(--warn);background:var(--warn-wash);padding:.95rem 1.1rem;border-radius:0 3px 3px 0}.note--warn strong{color:var(--warn)}.pull{font:400 1.28rem/1.45 var(--serif);color:var(--ink);letter-spacing:-.008em;margin:1.9rem 0;padding:0 0 0 1.15rem;border-left:2px solid var(--accent);max-width:32em}.calc{border:1px solid var(--line);border-radius:3px;background:#fff;padding:1.3rem 1.35rem 1.4rem;margin:1.6rem 0}.calc h3{font:700 .715rem/1 var(--sans);letter-spacing:.15em;text-transform:uppercase;color:var(--accent);margin:0 0 1rem}.calc__grid{display:grid;grid-template-columns:1fr 1fr;gap:.85rem 1rem;margin-bottom:1rem}.calc label{display:block;font-size:.79rem;letter-spacing:.02em;color:var(--mut);margin-bottom:.28rem}.calc input,.calc select{width:100%;font:400 .95rem var(--sans);padding:.5rem .6rem;border:1px solid var(--line-2);border-radius:2px;background:var(--paper);color:var(--ink)}.calc input:focus,.calc select:focus{border-color:var(--accent);outline:none;box-shadow:0 0 0 2px var(--accent-wash)}.calc__out{border-top:1px solid var(--line);padding-top:.95rem;font-size:.95rem;color:var(--ink-2);min-height:2.4rem}.calc__out b{font-variant-numeric:tabular-nums;color:var(--ink)}.calc__verdict{font-weight:700;color:var(--accent)}.calc__verdict--no{color:var(--warn)}.btn{display:inline-block;font:700 .9rem var(--sans);padding:.6rem 1.1rem;border:1px solid var(--accent);background:var(--accent);color:#fff;border-radius:2px;cursor:pointer;letter-spacing:.01em}.btn:hover{background:var(--accent-2);border-color:var(--accent-2);text-decoration:none}.faq{margin:3.2rem 0 0;border-top:1px solid var(--line);padding-top:2rem}.faq h2{font:400 1.42rem/1.25 var(--serif);margin:0 0 1.2rem;letter-spacing:-.012em}.faq details{border-bottom:1px solid var(--line);padding:.95rem 0}.faq summary{font-weight:700;cursor:pointer;list-style:none;display:flex;gap:.85rem;align-items:baseline;font-size:1rem;color:var(--ink)}.faq summary::-webkit-details-marker{display:none}.faq summary:before{content:"+";font:700 1.05rem/1 var(--sans);color:var(--accent);flex:none;width:.85rem}.faq details[open] summary:before{content:"–"}.faq details p{margin:.75rem 0 0;padding-left:1.7rem;font-size:.965rem;color:var(--ink-2);max-width:36em}.cta{margin:3rem 0 0;border:1px solid var(--line-2);border-radius:3px;padding:1.5rem 1.55rem;background:var(--accent-wash)}.cta h2{font:400 1.28rem/1.3 var(--serif);margin:0 0 .5rem;color:var(--accent-2);letter-spacing:-.01em}.cta p{margin:0 0 1.05rem;font-size:.97rem;color:var(--ink-2);max-width:36em}.cta a.btn{color:#fff}.rel{margin:3rem 0 1rem;border-top:1px solid var(--line);padding-top:1.7rem}.rel h2{font:700 .715rem/1 var(--sans);letter-spacing:.15em;text-transform:uppercase;color:var(--mut);margin:0 0 1rem}.rel ul{list-style:none;padding:0;margin:0;display:grid;gap:.5rem}.rel a{display:block;padding:.7rem .85rem;border:1px solid var(--line);border-radius:2px;background:#fff;color:var(--ink)}.rel a:hover{border-color:var(--line-2);text-decoration:none;background:var(--paper-2)}.rel b{display:block;font:400 1.05rem/1.3 var(--serif)}.rel i{display:block;font-style:normal;font-size:.83rem;color:var(--mut);margin-top:.15rem}.foot{border-top:1px solid var(--line);margin-top:2.5rem;padding:2rem 0 3rem;background:var(--paper-2)}.foot__in{max-width:var(--wrap);margin:0 auto;padding:0 var(--pad)}.foot p{font-size:.845rem;color:var(--mut);max-width:44em;margin:0 0 .7rem;line-height:1.55}.foot a{color:var(--ink-2)}.foot__meta{display:flex;gap:1.1rem;flex-wrap:wrap;font-size:.79rem;margin-top:1.3rem;padding-top:1rem;border-top:1px solid var(--line)}@media (max-width:34rem){:root{--pad:1.1rem}.hero{padding:2rem 0 1.5rem}.lede{font-size:1.1rem}.mast__in{gap:.55rem 1rem;padding:.9rem var(--pad)}.mast__nav{margin-left:0;width:100%;gap:.9rem}.mast__nav a{font-size:.8rem}.phase__row{grid-template-columns:1fr;gap:.3rem}.calc__grid{grid-template-columns:1fr}th,td{padding:.55rem .6rem}.faq details p{padding-left:0}.rel i{font-size:.8rem}.tw{overflow:visible;border:0;background:none}table.stack{font-size:.95rem}table.stack caption{display:block;width:100%;padding:.1rem 0 .8rem;font-size:.82rem}table.stack thead{display:none}table.stack,table.stack tbody,table.stack tr,table.stack td{display:block;width:100%}table.stack tr{border-bottom:1px solid var(--line);padding:.6rem 0;background:none!important}table.stack tr:last-child{border-bottom:0}table.stack td{border:0;padding:.12rem 0;text-align:left}table.stack td:first-child{font-weight:700;color:var(--ink);padding:.05rem 0 .45rem;font-size:1.02rem;line-height:1.35}table.stack td:first-child:before{display:none}table.stack td:not(:first-child):before{display:block;content:attr(data-label);font:700 .68rem/1.4 var(--sans);letter-spacing:.07em;text-transform:uppercase;color:var(--mut);margin-bottom:.08rem}table.stack td:not(:first-child){padding-bottom:.42rem}}.p-handout .hero{padding:1.9rem 0 1.1rem}.p-handout h1{font-size:clamp(1.7rem,4.4vw,2.35rem)}.p-handout .lede{font-size:1.05rem}.p-handout .sec{margin-bottom:1.5rem}.p-handout .sec h2{font-size:1.14rem;margin-bottom:.55rem}.p-handout .sec h2 .n{margin-bottom:.35rem}.p-handout .sec p,.p-handout .sec li{font-size:.95rem;line-height:1.45}.p-handout .sec>p:first-of-type{font-size:1rem}.p-handout table{font-size:.86rem}.p-handout th,.p-handout td{padding:.42rem .7rem}.p-handout .answer{margin-bottom:1.5rem;padding:.95rem 1.15rem}.p-handout .note{font-size:.88rem;margin:.9rem 0 0}.p-handout .faq{display:none}@media print{:root{--paper:#fff;--paper-2:#fff;--paper-3:#f2f2f2}body{font-size:10.5pt;line-height:1.45}.mast__nav,.cta,.rel,.foot__meta,.calc button,.skip{display:none}.answer,.note--warn,tw,table{break-inside:avoid}a{color:#000;text-decoration:none}.wrap{max-width:none}h1{font-size:22pt}.sec{break-inside:auto}.sec h2{break-after:avoid}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}@media print{@page{size:A4;margin:12mm 13mm}.p-handout{font-size:9.3pt;line-height:1.33}.p-handout .mast{display:none}.p-handout .crumbs,.p-handout .kicker,.p-handout .byline{display:none}.p-handout .hero{padding:0 0 .5rem;border-bottom:1px solid #ccc}.p-handout h1{font-size:18pt;margin:0 0 .25rem}.p-handout .lede{font-size:9.6pt;line-height:1.35;margin:0;max-width:100%}.p-handout .answer{margin:.55rem 0 .8rem;padding:.5rem .7rem;background:#f5f5f5;border:1px solid #ddd;border-left:2px solid #333}.p-handout .answer h2{font-size:7pt;margin-bottom:.15rem}.p-handout .answer p{font-size:9.3pt;margin:0}.p-handout .sec{margin:0 0 .55rem;break-inside:avoid}.p-handout .sec h2{font-size:10.6pt;margin:0 0 .15rem;font-family:Georgia,serif}.p-handout .sec h2 .n{display:inline;font-size:7pt;letter-spacing:.06em;margin-right:.45rem;color:#556}.p-handout .sec ul,.p-handout .sec ol{margin:.15rem 0 .3rem;padding-left:1em}.p-handout .sec li{font-size:9.3pt;line-height:1.32;margin-bottom:.1rem;max-width:100%}.p-handout .sec p{font-size:9.3pt;margin:0 0 .25rem;max-width:100%}.p-handout .sec>p:first-of-type{font-size:9.3pt}.p-handout .tw{border:1px solid #ddd;margin:.3rem 0 .35rem}.p-handout table{font-size:8.4pt}.p-handout th,.p-handout td{padding:.16rem .4rem}.p-handout caption{font-size:7.5pt;padding:.2rem .4rem 0}.p-handout .note{font-size:8.7pt;margin:.3rem 0 0;padding:.3rem 0 .3rem .6rem}.p-handout .foot{margin-top:.5rem;padding:.4rem 0 0;background:none;border-top:1px solid #ccc}.p-handout .foot p{font-size:7.2pt;line-height:1.3;margin:0 0 .15rem}.p-handout .foot__meta{display:none}.p-handout .btn{display:none}}
