@charset "UTF-8";
:root{--navy:#081d37;--blue:#1261d7;--pale:#eef4fc;--ink:#142b44;--muted:#56687c;--line:#d6e0ec;--white:#fff;--radius:8px;--max:1184px;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--white);font-synthesis:none}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;font-size:1.0625rem;line-height:1.65}a{color:var(--blue);text-decoration-thickness:1px;text-underline-offset:4px}a:hover{text-decoration-thickness:2px}a:focus-visible,summary:focus-visible{outline:3px solid #f2ad36;outline-offset:5px}img{max-width:100%;height:auto}h1,h2,h3,p,ul,ol{margin-top:0}h1,h2,h3{line-height:1.14;color:var(--navy);letter-spacing:-.035em}h1{font-size:clamp(2.4rem,5.5vw,4.8rem);margin-bottom:24px;font-weight:750}h2{font-size:clamp(1.65rem,3vw,2.35rem);margin-bottom:22px}h3{font-size:1.2rem;margin-bottom:12px}p{margin-bottom:20px}small{font-size:.83rem}.wrap{max-width:var(--max);padding:0 28px;margin:0 auto}.skip{position:absolute;left:16px;top:-100px;padding:12px;background:var(--white);z-index:20}.skip:focus{top:12px}.eyebrow{font-size:.78rem;letter-spacing:.13em;font-weight:700;text-transform:uppercase;margin-bottom:22px;color:var(--blue)}.topline{background:var(--navy);color:#d6e4f5;font-size:.81rem;padding:7px 0}.topline .wrap{display:flex;justify-content:space-between;gap:20px}.topline a{color:#d6e4f5}.site-header{border-bottom:1px solid var(--line);background:var(--white)}.header-row{display:flex;align-items:center;justify-content:space-between;gap:28px;min-height:92px}.brand{text-decoration:none;color:var(--navy);display:flex;align-items:center;gap:13px;flex-shrink:0}.brand-mark{font-size:1.13rem;font-weight:800;letter-spacing:-.08em;border:2px solid var(--blue);padding:8px;line-height:1;color:var(--blue)}.brand-text{font-size:1.26rem;font-weight:800;letter-spacing:-.03em;line-height:1.15}.brand-text small{display:block;color:var(--muted);font-size:.71rem;letter-spacing:.055em;font-weight:500;margin-top:5px}.desktop-nav{display:flex;align-items:center;gap:26px}.desktop-nav a{font-size:.88rem;font-weight:600;text-decoration:none;color:var(--ink)}.desktop-nav a[aria-current=page],.desktop-nav a:hover{color:var(--blue)}.mobile-nav{display:none}.button{display:inline-flex;justify-content:center;align-items:center;min-height:50px;padding:12px 22px;background:var(--blue);color:var(--white);text-decoration:none;border:1px solid var(--blue);border-radius:4px;font-weight:700;font-size:.95rem;line-height:1.4}.button:hover{background:#0c4caf;text-decoration:none}.button.outline{background:transparent;color:var(--blue)}.button.outline:hover{background:var(--pale)}.button.light{background:white;color:var(--navy);border-color:white}.hero{padding:66px 0 56px;background:linear-gradient(115deg,#fff 53%,#f3f7fd 100%);border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(280px,1fr);gap:78px;align-items:center}.hero h1 span{color:var(--blue)}.intro{font-size:1.17rem;line-height:1.65;color:var(--muted);max-width:630px}.actions{display:flex;flex-wrap:wrap;align-items:center;gap:13px;margin:28px 0 15px}.disclosure{font-size:.8rem;color:var(--muted);max-width:610px}.first-read{background:var(--navy);color:#dae5f2;padding:32px;border-radius:var(--radius);box-shadow:14px 14px 0 #dce9fa}.first-read .eyebrow{color:#98befb;margin-bottom:24px}.first-read h2{color:white;font-size:1.8rem;margin-bottom:10px}.first-read a{display:grid;grid-template-columns:32px 1fr;gap:14px;text-decoration:none;color:white;padding:20px 0;border-bottom:1px solid #33465e}.first-read a:last-child{border:0;padding-bottom:0}.first-read a span{color:#9bbef3;font-size:.8rem;padding-top:2px}.first-read a strong{font-size:1rem;display:block}.first-read a small{display:block;color:#b4c5d9;margin-top:5px;font-size:.88rem;font-weight:400}.section{padding:65px 0}.section.soft{background:#f6f8fc;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.section-head{display:flex;align-items:flex-start;justify-content:space-between;gap:45px;margin-bottom:28px}.section-head h2{max-width:510px;margin-bottom:0}.section-head p{max-width:450px;color:var(--muted);margin:0}.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.guide-card{border:1px solid var(--line);border-radius:var(--radius);padding:27px;text-decoration:none;color:var(--ink);display:flex;flex-direction:column;min-height:220px;transition:border-color .15s,background .15s}.guide-card:hover{border-color:var(--blue);background:#f7faff;text-decoration:none}.guide-card .number{font-size:.76rem;color:var(--blue);font-weight:700;letter-spacing:.07em;margin-bottom:30px}.guide-card h3{font-size:1.37rem;letter-spacing:-.02em}.guide-card p{font-size:.94rem;color:var(--muted);margin:0 0 20px}.guide-card .read{font-size:.85rem;color:var(--blue);font-weight:700;margin-top:auto}.split{display:grid;grid-template-columns:1fr 1.25fr;gap:65px;align-items:start}.facts{border-top:2px solid var(--navy)}.fact{display:grid;grid-template-columns:165px 1fr;gap:22px;padding:17px 0;border-bottom:1px solid var(--line);font-size:.94rem}.fact strong{font-size:.85rem}.notice{border-left:4px solid var(--blue);background:var(--pale);padding:20px 24px;margin:26px 0}.notice p:last-child{margin-bottom:0}.notice .label{display:block;font-size:.79rem;letter-spacing:.07em;text-transform:uppercase;font-weight:700;color:var(--blue);margin-bottom:8px}.wide-cta{background:var(--navy);color:#c4d4e8;padding:36px 40px;border-radius:var(--radius);display:flex;align-items:center;justify-content:space-between;gap:34px}.wide-cta h2{color:white;font-size:1.75rem;margin-bottom:9px}.wide-cta p{margin:0;max-width:640px}.breadcrumbs{font-size:.82rem;color:var(--muted);padding:24px 0 0}.breadcrumbs a{color:var(--muted)}.article-header{padding:36px 0 40px;border-bottom:1px solid var(--line)}.article-header h1{max-width:950px;font-size:clamp(2.2rem,4.4vw,3.7rem)}.article-header .intro{max-width:800px}.meta{font-size:.82rem;color:var(--muted);margin-bottom:0}.article-layout{display:grid;grid-template-columns:minmax(0,780px) minmax(210px,1fr);gap:70px;padding-top:45px;padding-bottom:64px}.article-body{min-width:0}.article-body section{margin-bottom:42px}.article-body h2{font-size:1.8rem}.article-body h3{font-size:1.12rem;margin-top:25px}.article-body li{padding-left:4px;margin-bottom:11px}.article-body li:last-child{margin-bottom:0}.article-body strong{color:var(--navy)}.article-body ol,.article-body ul{padding-left:25px}.article-body table{border-collapse:collapse;width:100%;font-size:.91rem;line-height:1.55}.table-scroll{overflow-x:auto;margin:22px 0}.article-body th,.article-body td{text-align:left;vertical-align:top;padding:15px 13px;border-bottom:1px solid var(--line)}.article-body th{background:var(--pale);font-size:.82rem;color:var(--navy)}.article-body td:first-child{font-weight:600;width:32%}.aside-inner{position:sticky;top:30px}.aside-title{font-size:.78rem;text-transform:uppercase;letter-spacing:.1em;font-weight:700;margin-bottom:15px}.toc{list-style:none;margin:0 0 30px;padding:0;border-left:1px solid var(--line)}.toc li a{display:block;font-size:.88rem;padding:8px 0 8px 17px;text-decoration:none;color:var(--muted)}.toc li a:hover{color:var(--blue)}.aside-box{background:var(--pale);border-radius:6px;padding:22px}.aside-box p{font-size:.89rem}.aside-box .button{width:100%;font-size:.87rem}.sources{font-size:.87rem;border-top:1px solid var(--line);padding-top:24px;color:var(--muted)}.sources h2{font-size:1.05rem;letter-spacing:0}.sources ul{padding-left:20px}.faq{border-top:1px solid var(--line)}.faq details{border-bottom:1px solid var(--line);padding:19px 0}.faq summary{font-size:1rem;font-weight:700;cursor:pointer;padding-right:15px;color:var(--navy)}.faq details p{margin:14px 0 0;color:var(--muted)}.related{padding:25px 0;border-top:1px solid var(--line)}.related a{display:inline-block;font-size:.9rem;margin:0 20px 8px 0}.site-footer{background:#f4f7fb;border-top:1px solid var(--line);padding:42px 0 24px}.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:45px}.footer-grid p{font-size:.87rem;color:var(--muted);max-width:450px}.footer-grid nav a{display:block;font-size:.87rem;margin-bottom:8px;color:var(--ink);text-decoration:none}.footer-grid h3{font-size:.84rem;letter-spacing:.02em;margin-bottom:15px}.footer-bottom{font-size:.78rem;color:var(--muted);border-top:1px solid var(--line);padding-top:22px;margin-top:26px}.go-page{max-width:700px;margin:70px auto;padding:0 24px}.go-page h1{font-size:2.5rem}.go-page code{overflow-wrap:anywhere;font-size:.9rem}.mobile-sticky{display:none}
@media(max-width:1000px){.desktop-nav{gap:15px}.desktop-nav a{font-size:.81rem}.header-row{gap:18px}.hero-grid{gap:38px}.article-layout{gap:35px}.split{gap:35px}.guide-card{padding:22px}.fact{grid-template-columns:135px 1fr}}
@media(max-width:800px){.desktop-nav{display:none}.header-row{min-height:78px}.mobile-nav{display:block;position:relative}.mobile-nav summary{font-size:.91rem;font-weight:700;cursor:pointer;border:1px solid var(--line);padding:9px 14px;border-radius:4px}.mobile-nav nav{position:absolute;right:0;top:48px;width:235px;background:white;border:1px solid var(--line);box-shadow:0 10px 25px #081d3715;z-index:10;padding:12px}.mobile-nav a{display:block;padding:10px;font-size:.95rem;color:var(--ink);text-decoration:none}.hero{padding:42px 0}.hero-grid{grid-template-columns:1fr;gap:28px}.hero h1{max-width:650px}.first-read{box-shadow:7px 7px 0 #dce9fa}.first-read a{padding:14px 0}.first-read .eyebrow{margin-bottom:12px}.guide-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.section{padding:44px 0}.section-head,.wide-cta{flex-direction:column;gap:19px}.split{grid-template-columns:1fr;gap:18px}.article-layout{grid-template-columns:1fr;gap:20px}.article-layout aside{grid-row:1}.aside-inner{position:static}.aside-box{display:none}.toc{display:flex;flex-wrap:wrap;gap:0 16px;border-left:0;padding-bottom:20px;border-bottom:1px solid var(--line);margin-bottom:10px}.toc li a{padding:4px 0}.aside-title{margin-bottom:9px}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}.article-header{padding-bottom:28px}.article-body section{margin-bottom:34px}}
@media(max-width:520px){body{font-size:1.0rem}.wrap{padding:0 20px}.topline .wrap{gap:10px}.topline{font-size:.72rem}.topline .regional{display:none}.brand-text{font-size:1.09rem}.brand-text small{font-size:.67rem}.brand-mark{font-size:1rem}.hero{padding-top:35px}.hero h1{font-size:2.7rem}.intro{font-size:1.06rem}.guide-grid{grid-template-columns:1fr;gap:14px}.guide-card{min-height:0;padding:23px}.guide-card .number{margin-bottom:14px}.guide-card p{margin-bottom:17px}.first-read{padding:24px}.wide-cta{padding:28px 24px}.wide-cta .button{width:100%}.fact{grid-template-columns:110px 1fr;gap:13px}.actions .button{width:100%}.article-header h1{font-size:2.2rem}.article-body h2{font-size:1.55rem}.article-body th,.article-body td{padding:12px 10px}.notice{padding:18px}.footer-grid{gap:25px}.footer-bottom{font-size:.75rem}.breadcrumbs{font-size:.78rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
/* Editorial tools */
.tool-box{background:#f0f5fd;border:1px solid #ccdcf2;border-radius:10px;padding:28px;margin:24px 0}.tool-kicker{font-size:.8rem;text-transform:uppercase;letter-spacing:.09em;font-weight:700;color:var(--blue)}.input-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:22px}.input-grid .full{grid-column:1/-1}.tool-box label{display:block;font-size:.87rem;font-weight:700;color:var(--navy)}.tool-box input,.tool-box select{display:block;width:100%;min-height:48px;margin-top:7px;padding:11px 12px;font:inherit;font-size:1rem;background:white;color:var(--ink);border:1px solid #9eafc4;border-radius:4px}.tool-box button{cursor:pointer;font-family:inherit}.tool-box input:focus-visible,.tool-box select:focus-visible,.tool-box button:focus-visible{outline:3px solid #f2ad36;outline-offset:3px}.tool-result{background:white;border-left:4px solid var(--blue);padding:20px;margin-top:22px}.tool-result strong,.tool-result span{display:block}.tool-result strong{font-size:1.2rem;line-height:1.35;margin-bottom:9px}.tool-result span{font-size:.94rem}.tool-result.tool-error{border-color:#9f321b}.tool-note{font-size:.8rem;color:var(--muted);margin:15px 0 0}.article-partner{border:1px solid var(--line);border-radius:8px;padding:26px;margin:35px 0}.article-partner .disclosure{margin:13px 0 0}.message-template{background:#f5f7fa;border:1px solid var(--line);padding:24px;border-radius:5px;font-size:.93rem}.message-template p:last-child{margin:0}.article-body th[scope=row]{background:transparent;text-transform:none;font-size:.9rem;letter-spacing:0;width:29%}.steps li{margin-bottom:19px}.sources a{overflow-wrap:anywhere}
@media(max-width:520px){.tool-box{padding:20px}.input-grid{grid-template-columns:1fr}.input-grid .full{grid-column:auto}.tool-result{padding:16px}.article-partner{padding:22px}.tool-box .button{width:100%}}
.tools-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.tool-link{display:block;padding:32px;border:1px solid var(--line);border-top:4px solid var(--blue);border-radius:6px;text-decoration:none;color:var(--ink)}.tool-link:hover{background:var(--pale)}.tool-link .number{font-size:.75rem;letter-spacing:.06em;color:var(--blue);font-weight:700}.tool-link h3{font-size:1.55rem;margin-top:25px}.tool-link p{font-size:.94rem;color:var(--muted)}.tool-link .read{font-size:.9rem;font-weight:700;color:var(--blue)}.split .wide-cta .button{margin-top:22px}.hero-art-slot{min-width:0}
@media(max-width:600px){.tools-grid{grid-template-columns:1fr}.tool-link{padding:25px}.hero h1{font-size:clamp(2.25rem,9vw,3rem)}}
/* Original artwork and explanatory diagrams */
.hero{background:linear-gradient(115deg,#fff 38%,#eef4fc 100%)}.hero-grid{grid-template-columns:minmax(0,1fr) minmax(0,1.08fr);gap:42px}.hero h1{font-size:clamp(2.7rem,4.5vw,3.75rem)}.hero-art{margin:0;background:#081d37;border-radius:12px;overflow:hidden;box-shadow:0 20px 45px #081d3720}.hero-art img{display:block;width:100%;height:auto}.hero-art figcaption{font-size:.78rem;color:#cadcf3;padding:16px 20px;line-height:1.5}.card-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px;gap:18px}.card-top .number{margin:0}.card-top img{width:70px;height:70px}.guide-card{padding-top:18px}.illustrated-header{display:grid;grid-template-columns:minmax(0,1fr) 160px;align-items:center;gap:34px}.topic-art{width:160px;height:160px;border-radius:22px}.illustrated-header h1{font-size:clamp(2.15rem,4vw,3.2rem)}.explainer{margin:26px 0}.explainer img{display:block;width:100%;height:auto;border-radius:10px}.explainer figcaption{font-size:.8rem;color:var(--muted);margin-top:12px;line-height:1.6}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr;gap:30px}.hero-art{max-width:680px}.hero h1{font-size:clamp(2.5rem,5.5vw,3.8rem)}.illustrated-header{grid-template-columns:minmax(0,1fr) 110px;gap:22px}.topic-art{width:110px;height:110px}}
@media(max-width:520px){.hero h1{font-size:2.55rem}.hero-art figcaption{padding:12px 16px}.illustrated-header{display:block;position:relative}.topic-art{display:none}.card-top img{width:60px;height:60px}.card-top{margin-bottom:15px}}

/* Three-column comparisons keep readable column widths on phones. */
.table-hint{display:none}
.table-scroll:focus-visible{outline:3px solid #f2ad36;outline-offset:3px}
@media(max-width:600px){
  .table-wide table{min-width:600px}
  .table-hint{display:block;margin:18px 0 6px;font-size:.8rem;color:var(--muted)}
  .table-hint+.table-scroll{margin-top:6px}
}

/* Practical answers and source-status overview. */
.quick-answer{padding:24px;background:#edf4fc;border:1px solid #c8daed;border-left:4px solid #2765b7;border-radius:12px;margin:0 0 36px}.quick-answer p{margin:0 0 12px}.quick-answer .eyebrow{font-size:0.75rem}.quick-answer a{font-weight:700}.message-template textarea{display:block;width:100%;box-sizing:border-box;margin:14px 0;padding:14px;border:1px solid #a3b5ca;border-radius:8px;background:#fff;color:#12253a;font:inherit;line-height:1.55;resize:vertical;min-height:250px}.copy-status{font-size:0.875rem;line-height:1.5}.copy-button[hidden]{display:none}.message-template{min-width:0}.quick-answer a{overflow-wrap:anywhere}@media(max-width:600px){.quick-answer{padding:20px}}


/* Regional overview: readable rows on desktop and stacked pairs on phones. */
.ph-review-date{margin:0 0 20px;color:var(--muted);font-size:.875rem;line-height:1.6}
.ph-overview{margin:0;border:1px solid #ccd8e6;border-radius:14px;background:#fff;overflow:hidden}
.ph-overview-row{display:grid;grid-template-columns:minmax(180px,1fr) minmax(0,3fr);gap:28px;padding:22px 26px}
.ph-overview-row+.ph-overview-row{border-top:1px solid #dde4ed}
.ph-overview dt{font-weight:750;line-height:1.5;padding-top:3px}
.ph-overview dd{margin:0;min-width:0}
.ph-status{display:inline-block;padding:4px 10px;border-radius:5px;background:#edf2f8;color:#294869;font-size:.75rem;font-weight:700;line-height:1.5}
.ph-overview p{margin:8px 0;line-height:1.6}
.ph-overview a{font-weight:650;overflow-wrap:anywhere}
.ph-overview-note{font-size:.875rem;line-height:1.65;margin:20px 0 0;max-width:900px;color:var(--muted)}
@media(max-width:600px){.ph-overview-row{grid-template-columns:1fr;gap:8px;padding:20px}.ph-overview dt{padding:0}.ph-overview a{display:inline-block;padding:4px 0}.ph-review-date{font-size:.8125rem}}


/* Shared conditions keep unknown fees and limits explicit without repeating rows. */
.deposit-conditions{border:1px solid #c8daed;border-radius:12px;padding:22px;margin:24px 0;background:#f4f7fb}
.deposit-conditions h3{margin:0 0 16px}.deposit-conditions dl{margin:0}
.deposit-conditions dl>div{display:grid;grid-template-columns:minmax(120px,1fr) minmax(0,3fr);gap:18px;padding:12px 0}
.deposit-conditions dl>div+div{border-top:1px solid #d9e2ed}.deposit-conditions dt{font-weight:700;line-height:1.6}.deposit-conditions dd{margin:0;line-height:1.6}
table caption{text-align:left;font-weight:600;line-height:1.5;padding:0 0 12px;color:var(--muted)}
@media(max-width:600px){.deposit-conditions{padding:18px}.deposit-conditions dl>div{grid-template-columns:1fr;gap:6px}}


/* Native disclosures remain usable with JavaScript disabled. */
.payment-help-link{padding:16px 20px;border-left:4px solid #2765b7;background:#edf4fc;border-radius:8px}
.payment-cases{margin:24px 0}.payment-case{padding:0 4px 20px;line-height:1.65}.payment-case dl{margin:0 0 16px}.payment-case dt{font-weight:700;margin-top:16px}.payment-case dd{margin:6px 0 0}.payment-case a{font-weight:700}.payment-cases summary{line-height:1.6}
.registration-cases details{border:1px solid var(--line);border-radius:10px;margin:12px 0;background:#f7f9fc}
.registration-cases summary{padding:16px;cursor:pointer;font-weight:650;min-height:48px}
.registration-cases summary:focus-visible{outline:3px solid #f2ad36;outline-offset:3px;border-radius:8px}
.registration-cases .payment-case{padding:0 16px 16px}.registration-cases .payment-case p:last-child{margin-bottom:0}


/* Public screenshots remain legible and clearly separate from live controls. */
.source-screen{margin:20px 0;padding:16px;background:#f4f7fb;border:1px solid var(--line);border-radius:10px;max-width:560px}
.source-screen img{display:block;max-width:100%;height:auto;border:1px solid #d9e2ed;border-radius:6px;background:#fff}
.source-screen figcaption{margin-top:12px;font-size:.875rem;line-height:1.6;color:var(--muted)}
.screenshot-steps{padding-left:24px}.screenshot-steps>li{padding-left:4px;margin:28px 0}.screenshot-steps h3{margin:0 0 12px}
@media(max-width:600px){.source-screen{padding:10px}.screenshot-steps{padding-left:20px}.screenshot-steps>li{padding-left:0}}


/* Static glossary: links and definitions work without JavaScript. */
.article-body .term-index{list-style:none;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px;padding:0;margin:24px 0}
.term-index a{display:flex;align-items:center;min-height:44px;padding:10px 12px;border:1px solid var(--line);border-radius:6px;background:#f4f7fb;font-size:.9rem;line-height:1.45}
.glossary-list{margin:0}.glossary-list>div{padding:24px 0;border-bottom:1px solid var(--line);scroll-margin-top:24px}
.glossary-list dt{font-weight:750;font-size:1.15rem;color:var(--navy);line-height:1.4;margin-bottom:12px}.glossary-list dd{margin:0}
.glossary-list p{margin-bottom:12px}.term-example{padding:12px 16px;border-left:3px solid #c8daed;background:#f4f7fb}
@media(max-width:600px){.article-body .term-index{grid-template-columns:1fr}.glossary-list>div{padding:20px 0}}

.article-body .term-index li{padding:0;margin:0}


.tool-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px}
.tool-box input:disabled{background:#e8edf3;color:#596679}.tool-box input[aria-invalid="true"]{border:2px solid #9f321b}
#withdrawal-actions{margin-top:20px}#withdrawal-actions[hidden]{display:none}

.tool-actions button[hidden]{display:none}

.home-faq summary{line-height:1.5}.home-faq p{line-height:1.65}.home-faq details:target{outline:2px solid #2f63cb;outline-offset:4px}

#options .checklist dt{font-weight:700;margin-top:20px;color:var(--navy)}#options .checklist dd{margin:6px 0 20px}

/* Keep every guide reachable on short mobile viewports. */
@media(max-width:800px){.mobile-nav nav{max-height:65vh;overflow-y:auto;overscroll-behavior:contain}}
.mobile-nav a[aria-current="page"],.desktop-nav a[aria-current="page"]{font-weight:700;text-decoration:underline}

/* Withdrawal follow-up questions: native controls, no account data fields. */
#withdrawal-followups{min-width:0;margin:24px 0 0;padding:18px;border:1px solid #9eafc4;border-radius:5px}#withdrawal-followups legend{padding:0 6px;font-weight:700;color:var(--navy)}#withdrawal-followups .input-grid{margin:0}#withdrawal-plan li{margin-bottom:12px}#withdrawal-reset{margin-top:18px}

/* Attributed review summaries; keep profile metadata readable on narrow screens. */
.review-cards{display:grid;gap:24px;margin:24px 0}
.review-card{border:1px solid var(--line);border-radius:8px;padding:24px;background:#fff;min-width:0}
.review-card h3{margin-top:0}.review-card .eyebrow{margin-bottom:10px}
.review-meta{display:grid;grid-template-columns:1fr 1fr;gap:12px 20px;margin:18px 0;font-size:.86rem}
.review-meta div{min-width:0}.review-meta dt{font-weight:700;color:var(--navy)}
.review-meta dd{margin:3px 0 0;overflow-wrap:anywhere}
.review-context{border-left:3px solid #ccdcf2;padding-left:14px}
.review-card a{overflow-wrap:anywhere}
@media(max-width:520px){.review-card{padding:18px}.review-meta{grid-template-columns:1fr}}

/* Reading and keyboard accessibility for reference content. */
.message-template textarea:focus-visible,
.copy-button:focus-visible {
  outline: 3px solid #f2ad36;
  outline-offset: 3px;
}
.article-body :is(p, li, dd, td, th) {
  overflow-wrap: anywhere;
}
.article-body table caption {
  text-align: left;
  font-weight: 700;
  color: var(--ink);
  padding: 0 0 12px;
  line-height: 1.5;
}

/* Editorial imagery is decorative; all instructions stay in HTML. */
.home-reference-hero{padding:32px 0 42px;background:#f5f8fc}
.home-hero-panel,.page-hero{position:relative;isolation:isolate;overflow:hidden;background:#edf4f9;border:1px solid #d5e1ec;border-radius:24px}
.home-hero-panel{padding:52px;min-height:510px}
.page-hero-art{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center;z-index:-2}
.home-hero-panel::before,.page-hero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(249,252,255,.98) 0%,rgba(249,252,255,.95) 45%,rgba(249,252,255,.50) 72%,rgba(249,252,255,.12) 100%)}
.home-hero-panel .page-hero-copy{max-width:680px}
.home-hero-panel h1{font-size:clamp(2.4rem,5vw,4.2rem)}
.home-hero-panel .intro{max-width:580px}
.article-header.page-hero{padding:40px;margin-top:24px;margin-bottom:24px;min-height:310px}
.article-header.page-hero .page-hero-copy{max-width:800px}
.article-header.page-hero .intro{max-width:720px}
.article-header.page-hero .page-hero-art{opacity:.4;object-position:right center}
.article-header.page-hero::before{background:linear-gradient(90deg,#f9fcff 0%,rgba(249,252,255,.96) 50%,rgba(249,252,255,.6) 100%)}
.page-hero-copy{position:relative;min-width:0}
.illustrated-card{padding:0;overflow:hidden;background:#fff;border-radius:16px}
.illustrated-card .card-cover{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover;border-bottom:1px solid var(--line)}
.illustrated-card .card-copy{padding:25px;display:flex;flex-direction:column;flex:1}
.illustrated-card .number{margin-bottom:12px}
.illustrated-card .read{padding-top:8px}
.illustrated-card:focus-visible{outline:3px solid #d08a14;outline-offset:5px}
.utility-hero{padding:30px 24px;margin-bottom:28px;text-align:left}
.utility-hero .page-hero-art{opacity:.3}
.utility-hero h1{margin-bottom:0}
.review-kind{display:inline-block;font-size:.8rem;font-weight:700;color:#263e55;background:#edf3f8;border:1px solid #cbd9e4;border-radius:999px;padding:3px 12px;margin-bottom:12px}
@media(max-width:800px){.home-hero-panel{padding:36px;min-height:0}.home-hero-panel::before{background:rgba(249,252,255,.9)}.article-header.page-hero{padding:30px}}
@media(max-width:520px){.home-reference-hero{padding:18px 0 28px}.home-hero-panel,.article-header.page-hero{padding:26px 20px;border-radius:16px}.home-hero-panel h1{font-size:2.35rem}.article-header.page-hero h1{font-size:2rem}.article-header.page-hero .intro{font-size:1.05rem}.home-hero-panel::before{background:rgba(249,252,255,.95)}.illustrated-card .card-copy{padding:22px}.utility-hero{padding:24px 18px}}


/* Registration links and responsive advertising: real HTML, no ad scripts. */
.registration-note {
  max-width: 560px;
  margin: 12px 0;
  font-size: .84rem;
  line-height: 1.6;
  color: var(--muted);
}
.registration-action .actions { margin: 22px 0 10px; }
.registration-action .disclosure { margin-bottom: 0; }
.wide-cta .registration-note { color: #d6e4f5; }
.wide-cta .registration-guide-link { color: #fff; font-size: .9rem; }
.registration-ad { min-width: 0; }
.ad-left, .ad-right { display: none; }
.ad-inline { margin: 0 0 28px; }
.home-reference-hero + .wrap .ad-inline { margin-top: 28px; }
.ad-link {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  display: grid;
  grid-template-columns: auto minmax(0, 1fr) auto;
  align-items: center;
  gap: 12px 28px;
  padding: 22px 28px;
  border: 1px solid #247bb6;
  border-radius: 16px;
  background: linear-gradient(125deg, #082746 0%, #075d98 65%, #08618f 100%);
  color: #fff;
  text-decoration: none;
  box-shadow: 0 12px 28px #08274614;
}
.ad-link::before {
  content: "";
  position: absolute;
  width: 220px;
  height: 220px;
  border: 34px solid #ffffff0d;
  border-radius: 50%;
  right: -75px;
  top: -100px;
  z-index: -1;
}
.ad-link:hover { background: linear-gradient(125deg, #0b355a, #0876b5); }
.ad-label { grid-column: 1 / -1; color: #c9e7fc; font-size: .65rem; letter-spacing: .1em; text-transform: uppercase; }
.ad-brand { font-size: 2rem; font-weight: 900; font-style: italic; letter-spacing: -.075em; line-height: 1; white-space: nowrap; }
.ad-brand > span { color: #76d4ff; }
.ad-headline { font-size: 1.35rem; line-height: 1.2; letter-spacing: -.025em; }
.ad-headline br { display: none; }
.ad-copy { display: none; }
.ad-cta { display: flex; align-items: center; justify-content: center; gap: 10px; min-height: 48px; padding: 12px 16px; border-radius: 6px; background: #a9eb42; color: #082746; font-size: .88rem; font-weight: 800; line-height: 1.3; }
.ad-fine { grid-column: 1 / -1; color: #d5eafb; font-size: .68rem; line-height: 1.5; }
.ad-fine br { display: none; }
@media (min-width: 1440px) and (min-height: 840px) {
  .ad-layout { padding-inline: max(200px, calc((100vw - 1184px) / 2)); background: #f0f5fa; }
  .ad-layout > main { background: #fff; }
  .ad-layout .desktop-nav { gap: 16px; }
  .ad-layout .header-row { gap: 20px; }
  .ad-inline { display: none; }
  .ad-left, .ad-right { display: block; position: fixed; top: 145px; width: 172px; z-index: 5; }
  .ad-left { left: max(14px, calc(50% - 792px)); }
  .ad-right { right: max(14px, calc(50% - 792px)); }
  .ad-left .ad-link, .ad-right .ad-link { display: flex; flex-direction: column; align-items: stretch; gap: 28px; padding: 28px 18px; min-height: 600px; border-radius: 12px; }
  .ad-label { font-size: .6rem; letter-spacing: .025em; }
  .ad-brand { font-size: 2.1rem; }
  .ad-headline { font-size: 1.55rem; }
  .ad-headline br { display: block; }
  .ad-copy { display: block; color: #e0f0fa; font-size: .8rem; line-height: 1.6; }
  .ad-cta { margin-top: auto; padding: 12px 7px; font-size: .81rem; }
  .ad-fine { font-size: .63rem; }
  .ad-fine br { display: block; }
  .ad-right .ad-link { background: linear-gradient(155deg, #08618f, #082746 85%); }
}
@media (max-width: 600px) {
  .ad-link { grid-template-columns: 1fr auto; gap: 12px 16px; padding: 20px; }
  .ad-brand { font-size: 1.8rem; }
  .ad-headline { grid-column: 1 / -1; grid-row: 3; font-size: 1.2rem; }
  .ad-cta { grid-column: 2; grid-row: 2; padding-inline: 12px; font-size: .8rem; }
  .ad-fine { font-size: .65rem; }
}
@media print {
  .registration-ad { display: none; }
  .ad-layout { padding: 0; }
}


/* Original guide identity: a book and a guiding star, crisp at every scale. */
.brand { gap: 11px; max-width: 100%; }
.guide-logo-mark { width: 48px; height: 48px; flex: 0 0 48px; }
.guide-logo-type { display: block; line-height: 1; }
.guide-logo-name { display: flex; align-items: baseline; color: #0b3764; font-weight: 900; font-style: italic; font-size: 1.65rem; letter-spacing: -.065em; }
.guide-logo-name > span { color: #0867a7; }
.guide-logo-name b { font-size: .62rem; font-style: normal; letter-spacing: .045em; margin-left: 8px; border-left: 1px solid #a7bed3; padding-left: 8px; }
.guide-logo-type small { display: block; margin-top: 7px; color: #405b74; font-size: .625rem; letter-spacing: .24em; }
@media (max-width: 520px) {
  .guide-logo-mark { width: 40px; height: 40px; flex-basis: 40px; }
  .guide-logo-name { font-size: 1.4rem; }
  .guide-logo-name b { font-size: .55rem; margin-left: 6px; padding-left: 6px; }
  .guide-logo-type small { font-size: .56rem; }
}

/* Local reading controls: native buttons, visible focus, no external scripts. */
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip-path: inset(50%); white-space: nowrap; border: 0; }
[hidden] { display: none !important; }
html { scroll-padding-bottom: 110px; }
html.reading-ready body { padding-bottom: 100px; }
:where(a, button, summary, input, select, textarea, [tabindex]):focus-visible { outline: 3px solid #0b3764; outline-offset: 4px; box-shadow: 0 0 0 7px #fff; }
:where(a, button, summary, input, select, textarea, [tabindex]) { scroll-margin-block: 24px 120px; }
main:focus { outline: none; }
button { font-family: inherit; }
.desktop-nav a, .footer-grid nav a { min-height: 44px; display: inline-flex; align-items: center; }
.footer-grid nav a { display: flex; }
.reading-tools { position: fixed; right: 18px; bottom: max(18px, env(safe-area-inset-bottom)); z-index: 40; width: max-content; max-width: calc(100vw - 36px); color: #142b44; }
.reading-tools > summary { display: flex; align-items: center; justify-content: center; gap: 10px; min-height: 48px; padding: 12px 18px; border-radius: 28px; border: 2px solid #fff; background: #0b3764; color: #fff; font-size: .875rem; font-weight: 700; cursor: pointer; list-style: none; box-shadow: 0 4px 20px #081d3740; }
.reading-tools > summary::-webkit-details-marker { display: none; }
.reading-tools > summary > span { font-weight: 800; font-size: 1.1em; }
.reading-panel { position: absolute; right: 0; bottom: calc(100% + 12px); width: 310px; max-width: calc(100vw - 36px); max-height: min(70vh, 640px); overflow-y: auto; padding: 22px; border: 2px solid #0b3764; border-radius: 16px; background: #fff; box-shadow: 0 8px 32px #081d3730; }
.reading-title { margin: 0 0 16px; font-size: 1rem; font-weight: 700; line-height: 1.4; }
.reading-size { display: grid; grid-template-columns: 1fr auto 1fr; align-items: center; gap: 12px; margin-bottom: 12px; }
.reading-panel button { min-height: 48px; border: 1px solid #7088a0; border-radius: 7px; padding: 10px; background: #edf4fc; color: #0b3764; font-size: .875rem; font-weight: 700; cursor: pointer; }
.reading-panel > button { width: 100%; margin-bottom: 12px; }
.reading-panel button:disabled { opacity: .5; cursor: default; }
.reading-panel button[aria-pressed="true"] { background: #0b3764; color: #fff; }
.reading-size output { font-size: .875rem; font-weight: 700; }
.reading-help { margin: 0; font-size: .75rem; line-height: 1.6; color: #405b74; }

/* Enlarged type gets the same room to reflow as a small-screen layout. */
html[data-text-scale]:not([data-text-scale="100"]) .ad-layout { padding-inline: 0; }
html[data-text-scale]:not([data-text-scale="100"]) .ad-left,
html[data-text-scale]:not([data-text-scale="100"]) .ad-right,
html[data-text-scale]:not([data-text-scale="100"]) .desktop-nav { display: none; }
html[data-text-scale]:not([data-text-scale="100"]) .ad-inline,
html[data-text-scale]:not([data-text-scale="100"]) .mobile-nav { display: block; }
html[data-text-scale]:not([data-text-scale="100"]) .mobile-nav nav { width: min(420px, calc(100vw - 40px)); max-height: 65vh; overflow-y: auto; }
html[data-text-scale]:not([data-text-scale="100"]) :is(.article-layout, .split, .guide-grid, .tools-grid, .footer-grid, .input-grid, .review-meta, .ph-overview-row) { grid-template-columns: minmax(0, 1fr); }
html[data-text-scale]:not([data-text-scale="100"]) .article-layout aside { grid-row: 1; }
html[data-text-scale]:not([data-text-scale="100"]) .aside-inner { position: static; }
html[data-text-scale]:not([data-text-scale="100"]) .aside-box { display: none; }
html[data-text-scale]:not([data-text-scale="100"]) .section-head { flex-direction: column; }
html[data-text-scale]:not([data-text-scale="100"]) .ad-link { grid-template-columns: minmax(0, 1fr); }
html[data-text-scale]:not([data-text-scale="100"]) .ad-link > * { grid-column: 1; grid-row: auto; }
html[data-text-scale]:not([data-text-scale="100"]) .header-row { flex-wrap: wrap; padding-block: 18px; }
html[data-text-scale]:not([data-text-scale="100"]) .topline .wrap { flex-wrap: wrap; }
html[data-text-scale]:not([data-text-scale="100"]) :is(h1,h2,h3,p,a,dt,dd,span,summary) { overflow-wrap: anywhere; }
html[data-text-scale]:not([data-text-scale="100"]) .guide-logo-name { font-size: 1.4rem; flex-wrap: wrap; }
html[data-text-scale]:not([data-text-scale="100"]) .brand { flex-shrink: 1; }
html[data-text-scale]:not([data-text-scale="100"]) .guide-logo-name b { font-size: .55rem; }
html[data-text-scale]:not([data-text-scale="100"]) .article-body table { min-width: 620px; }

/* High contrast uses actual foreground/background colours, not a filter. */
html[data-contrast="high"] { --ink: #fff; --navy: #fff; --muted: #e5edf5; --blue: #8dddff; --line: #dce6f0; --pale: #071522; --white: #071522; background: #071522; }
html[data-contrast="high"] body,
html[data-contrast="high"] body *:not(svg):not(path):not(rect) { color: #fff !important; background-color: #071522 !important; background-image: none !important; border-color: #dce6f0 !important; box-shadow: none !important; }
html[data-contrast="high"] body a,
html[data-contrast="high"] body a *:not(svg):not(path):not(rect) { color: #8dddff !important; }
html[data-contrast="high"] body a:not(.brand):not(.ad-link):not(.button) { text-decoration: underline; }
html[data-contrast="high"] body :is(button, .button, .ad-cta, .reading-tools > summary),
html[data-contrast="high"] body :is(button, .button, .ad-cta, .reading-tools > summary) * { color: #071522 !important; background-color: #ffeb86 !important; border-color: #ffeb86 !important; }
html[data-contrast="high"] body button[aria-pressed="true"] { border: 3px double #071522 !important; outline: 2px solid #ffeb86; }
html[data-contrast="high"] :is(.home-hero-panel, .page-hero, .ad-link)::before { display: none; }
html[data-contrast="high"] .page-hero-art { display: none; }
html[data-contrast="high"] :focus-visible { outline: 3px solid #ffeb86 !important; outline-offset: 5px; }
@media (prefers-contrast: more) {
  :root:not([data-contrast]) { --muted: #263e55; --line: #62778d; }
}
@media (forced-colors: active) {
  .reading-tools > summary, .reading-panel, .ad-link, .ad-cta { border: 2px solid ButtonText; }
  :focus-visible { outline: 3px solid Highlight; }
}
@media print { .reading-tools { display: none; } html.reading-ready body { padding-bottom: 0; } }

/* Keyboard users can reach reading settings before the full navigation. */
.reading-shortcut { display: none; }
.reading-ready .reading-shortcut { display: block; }

/* A clear mobile menu control, while retaining native details semantics. */
.mobile-nav > summary { display: flex; align-items: center; justify-content: center; gap: 10px; min-height: 48px; padding: 10px 16px; border: 1px solid #b6cadd; border-radius: 10px; background: #f4f8fd; color: #0b3764; list-style: none; }
.mobile-nav > summary::-webkit-details-marker { display: none; }
.menu-icon { position: relative; display: inline-block; width: 20px; height: 14px; border-block: 2px solid currentColor; flex-shrink: 0; }
.menu-icon::after { content: ''; position: absolute; top: 4px; left: 0; width: 20px; border-top: 2px solid currentColor; }
.mobile-nav[open] .menu-icon { border: 0; }
.mobile-nav[open] .menu-icon::before, .mobile-nav[open] .menu-icon::after { content: ''; position: absolute; top: 6px; left: 0; width: 20px; border-top: 2px solid currentColor; transform: rotate(45deg); }
.mobile-nav[open] .menu-icon::after { transform: rotate(-45deg); }
.mobile-nav nav { border-radius: 12px; max-width: calc(100vw - 40px); }
.desktop-nav { flex-wrap: wrap; justify-content: flex-end; }

/* Optional reading mode leaves editorial content and tools available. */
html.reading-mode .ad-layout { padding-inline: 0; }
html.reading-mode :is(.registration-ad, .registration-action, .article-partner, .aside-box, .page-hero-art, .registration-note, .wide-cta, [data-affiliate]) { display: none !important; }
html.reading-mode :is(.home-hero-panel, .page-hero)::before { display: none; }
html.reading-mode .article-body { max-width: 75ch; }
.back-to-contents { margin: 22px 0 0; font-size: .875rem; }
.back-to-contents a { display: inline-flex; align-items: center; min-height: 44px; }
#on-this-page { scroll-margin-top: 24px; }
#guide-search label { display: block; font-weight: 700; margin-bottom: 10px; }
.search-actions { display: flex; gap: 10px; flex-wrap: wrap; }
#guide-query { flex: 1 1 240px; min-width: 0; min-height: 50px; padding: 12px; border: 2px solid #6c839b; border-radius: 7px; font: inherit; background: #fff; color: #142b44; }
#search-help { color: var(--muted); font-size: .875rem; margin-top: 12px; }
.search-results { padding-left: 25px; }
.search-results li { padding: 20px 4px; border-bottom: 1px solid var(--line); }
.search-results a { font-weight: 700; }
.search-results p { font-size: .95rem; margin: 8px 0 0; }
@media(max-width: 520px) { .search-actions .button { flex: 1; } }
@media(prefers-reduced-motion: reduce) { *, *::before, *::after { scroll-behavior: auto !important; } }

/* Contents precede the article in keyboard and screen-reader order. */
@media (min-width: 801px) {
  html:not([data-text-scale]) .article-layout aside,
  html[data-text-scale="100"] .article-layout aside { grid-column: 2; grid-row: 1; }
  html:not([data-text-scale]) .article-body,
  html[data-text-scale="100"] .article-body { grid-column: 1; grid-row: 1; }
}