:root{--td-navy:#012044;--td-text:#18181b;--td-muted:#667085;--td-border:#dce4ec;--td-soft:#f4f6f8;--td-red:#f04438;--td-max:1180px;--td-reading:820px}
*{box-sizing:border-box}.td-body{margin:0;background:#f8fafc;color:var(--td-text);font-family:Inter,Arial,sans-serif;-webkit-font-smoothing:antialiased}.td-shell{width:min(var(--td-max),calc(100% - 32px));margin:0 auto}.td-reading{width:min(var(--td-reading),calc(100% - 32px));margin:0 auto}.td-header{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid var(--td-border)}.td-header-inner{height:72px;display:flex;align-items:center;gap:28px}.td-brand{display:flex;align-items:center;gap:12px;color:inherit;text-decoration:none;flex:none}.td-brand-logo{display:block;width:64px;height:64px;object-fit:contain}.td-brand-title{font-size:15px;font-weight:800;line-height:1;color:#0b274d;letter-spacing:-.015em}.td-brand-subtitle{margin-top:6px;font-size:12px;font-weight:600;line-height:1;color:#7d8998;letter-spacing:.04em}.td-nav{margin-left:auto;display:flex;align-items:center;gap:4px;height:100%}.td-nav>a,.td-nav-combo>a{display:flex;align-items:center;min-height:44px;padding:0 12px;border-radius:8px;color:#344054;text-decoration:none;font-size:14px;font-weight:650}.td-nav>a:hover,.td-nav>a.is-active,.td-nav-combo>a:hover{background:#f8fafc;color:#012044}.td-nav-home{border:1px solid var(--td-border)}.td-menu-btn{display:none;margin-left:auto;width:44px;height:44px;border:1px solid var(--td-border);border-radius:8px;background:#fff;color:#0b274d;font-size:18px}.td-overlay{position:fixed;inset:0;z-index:120;background:rgba(9,9,11,.55);opacity:0;visibility:hidden;pointer-events:none;transition:.2s}.td-overlay.is-open{opacity:1;visibility:visible;pointer-events:auto}.td-drawer{position:fixed;top:0;right:0;z-index:130;width:min(430px,94vw);height:100dvh;background:#fff;transform:translateX(100%);transition:.2s;box-shadow:-18px 0 50px rgba(0,0,0,.18);display:flex;flex-direction:column}.td-drawer.is-open{transform:none}.td-drawer-head{min-height:72px;display:flex;align-items:center;justify-content:space-between;padding:0 16px;border-bottom:1px solid var(--td-border)}.td-drawer-close{width:40px;height:40px;border:1px solid var(--td-border);border-radius:8px;background:#fff;color:#0b274d}.td-drawer-nav{overflow:auto}.td-drawer-nav a{min-height:56px;padding:0 18px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid #eef2f6;text-decoration:none;color:#344054;font-size:16px;font-weight:650}.td-breadcrumb{background:#fff;border-bottom:1px solid #e2e8f0}.td-breadcrumb ol{margin:0;padding:12px 0;display:flex;flex-wrap:wrap;gap:6px 8px;list-style:none;color:#64748b;font-size:13px}.td-breadcrumb a{color:inherit;text-decoration:none}.td-breadcrumb .current{font-weight:650;color:#344054}.td-hero{background:var(--td-navy);color:#fff}.td-hero-inner{padding:56px 0 60px}.td-eyebrow{display:flex;align-items:center;gap:12px;margin-bottom:16px;color:rgba(255,255,255,.72);font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.11em}.td-eyebrow:before{content:"";display:block;width:28px;height:2px;background:var(--td-accent,#0f9f93)}.td-h1{max-width:900px;margin:0;font-size:48px;line-height:1.05;letter-spacing:-.04em;font-weight:850}.td-lead{max-width:820px;margin:22px 0 0;font-size:18px;line-height:1.65;color:rgba(255,255,255,.82)}.td-hero-meta{margin-top:24px;display:flex;gap:10px;flex-wrap:wrap}.td-chip{display:inline-flex;align-items:center;gap:8px;border:1px solid rgba(255,255,255,.16);background:rgba(255,255,255,.06);border-radius:8px;padding:9px 12px;color:rgba(255,255,255,.78);font-size:13px;font-weight:650}.td-article-section{background:#fff;padding:56px 0 70px}.td-article-grid{width:min(1080px,calc(100% - 32px));margin:0 auto;display:grid;grid-template-columns:220px minmax(0,820px);gap:48px;align-items:start}.td-toc{position:sticky;top:96px;border:1px solid var(--td-border);border-radius:10px;background:#f8fafc;padding:18px}.td-toc-title{margin:0 0 10px;font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:#475569}.td-toc a{display:block;padding:7px 0;color:#667085;text-decoration:none;font-size:13px;line-height:1.45}.td-toc a:hover{color:#012044}.td-article{min-width:0}.td-article h2{scroll-margin-top:100px;margin:46px 0 15px;color:#012044;font-size:30px;line-height:1.18;letter-spacing:-.03em;font-weight:850}.td-article h2:first-child{margin-top:0}.td-article h3{scroll-margin-top:100px;margin:30px 0 10px;color:#18181b;font-size:21px;line-height:1.35;font-weight:750}.td-article p{margin:0 0 18px;color:#475569;font-size:17px;line-height:1.78}.td-article strong{color:#344054}.td-article ul,.td-article ol{margin:18px 0 24px;padding-left:22px;color:#475569}.td-article li{margin:8px 0;font-size:16px;line-height:1.7}.td-route{margin:28px 0;border:1px solid var(--td-border);border-radius:10px;overflow:hidden;background:#fff}.td-route-title{padding:15px 18px;border-bottom:1px solid #e2e8f0;font-size:12px;font-weight:850;text-transform:uppercase;letter-spacing:.09em;color:var(--td-accent,#0f9f93)}.td-route ul{list-style:none;margin:0;padding:0}.td-route li{margin:0;padding:15px 18px;border-bottom:1px solid #eef2f6;font-size:15px;line-height:1.6}.td-route li:last-child{border-bottom:0}.td-table-wrap{margin:28px 0;overflow-x:auto;border:1px solid var(--td-border);border-radius:10px}.td-table{width:100%;min-width:620px;border-collapse:collapse}.td-table th{background:#f8fafc;color:#0b274d;font-size:14px;text-align:left;padding:14px 16px;border-bottom:1px solid var(--td-border)}.td-table td{color:#475569;font-size:14px;line-height:1.6;padding:14px 16px;border-bottom:1px solid #eef2f6;vertical-align:top}.td-table tr:last-child td{border-bottom:0}.td-callout{margin:28px 0;padding:20px;border:1px solid #fed7aa;background:#fff7ed;border-radius:10px;color:#475569;font-size:15px;line-height:1.7}.td-authority{margin-top:42px;padding-top:8px}.td-faq{margin-top:42px;border-top:1px solid #e2e8f0;padding-top:34px}.td-faq-item{padding:20px 0;border-bottom:1px solid #eef2f6}.td-faq-item h3{margin:0 0 8px;font-size:18px}.td-faq-item p{margin:0}.td-related{border-top:1px solid #e2e8f0;background:#f4f6f8;padding:52px 0}.td-related-inner{width:min(900px,calc(100% - 32px));margin:0 auto}.td-kicker{font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.12em;color:var(--td-accent,#0f9f93)}.td-related h2{margin:8px 0 0;color:#012044;font-size:32px;letter-spacing:-.03em}.td-card-grid{margin-top:22px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.td-card{display:block;padding:20px;border:1px solid var(--td-border);border-radius:10px;background:#fff;color:inherit;text-decoration:none}.td-card:hover{box-shadow:0 10px 28px rgba(15,23,42,.08)}.td-card-title{font-size:17px;font-weight:750;line-height:1.45;color:#0b274d}.td-card p{margin:8px 0 0;color:#64748b;font-size:14px;line-height:1.6}.td-backbar{background:#fff;border-top:1px solid #e2e8f0;padding:28px 0}.td-backbar-inner{width:min(860px,calc(100% - 32px));margin:0 auto;display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px}.td-backbar a{color:#0b274d;text-decoration:none;font-size:14px;font-weight:700}.td-hub-main{background:#f4f6f8;padding:58px 0}.td-hub-inner{width:min(1060px,calc(100% - 32px));margin:0 auto}.td-hub-group{padding:30px 0;border-bottom:1px solid #dce4ec}.td-hub-group h2{margin:0 0 20px;color:#012044;font-size:30px;letter-spacing:-.03em}.td-hub-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.td-hub-card{display:block;padding:22px;border:1px solid var(--td-border);border-radius:10px;background:#fff;text-decoration:none;color:inherit}.td-hub-card h3{margin:0;color:#0b274d;font-size:18px;line-height:1.4}.td-hub-card p{margin:8px 0 0;color:#64748b;font-size:14px;line-height:1.6}.td-home-section{padding:62px 0;background:#f4f6f8}.td-home-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.td-home-card{display:block;padding:24px;border:1px solid var(--td-border);border-radius:10px;background:#fff;color:inherit;text-decoration:none}.td-home-card h2{margin:16px 0 0;color:#012044;font-size:23px}.td-home-card p{color:#64748b;font-size:14px;line-height:1.65}.td-footer{background:#18181b;color:#f4f4f5;border-top:1px solid #303036}.td-footer-main{padding:40px 0 48px;display:grid;grid-template-columns:1.15fr 2.85fr;gap:56px}.td-footer-brand{display:flex;align-items:flex-start;gap:16px;text-decoration:none;color:inherit}.td-footer-logo{display:block;width:100px;height:100px;object-fit:contain;flex:none}.td-footer-brand-title{font-size:16px;font-weight:800}.td-footer-brand-sub{margin-top:6px;color:#a1a1aa;font-size:13px;font-weight:600}.td-footer-desc{max-width:330px;margin:20px 0 0;color:#a1a1aa;font-size:14px;line-height:1.65}.td-socials{margin-top:22px;display:flex;gap:8px}.td-socials a{width:36px;height:36px;display:grid;place-items:center;border:1px solid #34343a;color:#d4d4d8;text-decoration:none}.td-socials a:hover{color:#f04438;border-color:#f04438}.td-footer-nav{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border-top:0}.td-footer-col{padding:0 24px;border-right:1px solid #303036}.td-footer-col:first-child{padding-left:0}.td-footer-col:last-child{border-right:0;padding-right:0}.td-footer-col h2{margin:0 0 16px;color:#fff;font-size:13px;text-transform:uppercase;letter-spacing:.07em}.td-footer-col a{display:block;margin:0 0 10px;color:#a1a1aa;text-decoration:none;font-size:14px}.td-footer-col a:hover{color:#f04438}.td-footer-bottom{border-top:1px solid #303036;background:#09090b}.td-footer-bottom-inner{min-height:58px;padding:14px 0;display:flex;align-items:center;justify-content:space-between;gap:20px}.td-footer-legal{display:flex;flex-wrap:wrap;gap:18px}.td-footer-legal a,.td-copy{color:#a1a1aa;text-decoration:none;font-size:13px}.td-copy{color:#71717a}.td-hidden{display:none!important}
@media(max-width:1023px){.td-nav{display:none}.td-menu-btn{display:block}.td-article-grid{grid-template-columns:1fr;gap:24px}.td-toc{position:static;order:0}.td-article{order:1}.td-home-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.td-footer-main{grid-template-columns:1fr;gap:34px}.td-footer-nav{border-top:1px solid #303036;padding-top:28px}}
@media(max-width:700px){.td-shell,.td-reading,.td-article-grid,.td-related-inner,.td-hub-inner,.td-backbar-inner{width:calc(100% - 28px)}.td-header-inner{height:66px}.td-brand-logo{width:52px;height:52px}.td-brand-title{font-size:14px}.td-hero-inner{padding:38px 0 42px}.td-h1{font-size:34px;line-height:1.08}.td-lead{font-size:16px;line-height:1.65}.td-article-section{padding:34px 0 48px}.td-article h2{font-size:26px;margin-top:38px}.td-article h3{font-size:19px}.td-article p{font-size:16px;line-height:1.72}.td-card-grid,.td-hub-cards,.td-home-grid{grid-template-columns:1fr}.td-related{padding:40px 0}.td-related h2{font-size:28px}.td-footer-main{padding:34px 0}.td-footer-nav{grid-template-columns:1fr 1fr}.td-footer-col{padding:22px 18px;border-bottom:1px solid #303036}.td-footer-col:nth-child(odd){padding-left:0}.td-footer-col:nth-child(even){border-right:0}.td-footer-bottom-inner{align-items:flex-start;flex-direction:column}.td-toc{padding:15px}.td-toc a{font-size:13px}.td-breadcrumb ol{font-size:12px}}
@media(max-width:440px){.td-footer-nav{grid-template-columns:1fr}.td-footer-col,.td-footer-col:nth-child(even),.td-footer-col:nth-child(odd){padding:20px 0;border-right:0}.td-footer-brand{gap:12px}.td-footer-logo{width:82px;height:82px}.td-chip{font-size:12px}.td-h1{font-size:31px}.td-hero-meta{gap:7px}}
/* =========================
   V3 NAVIGATION + ACTIONS
   ========================= */
.td-utility{height:36px;border-bottom:1px solid #eef2f6;background:#fff}.td-utility-inner{height:100%;display:flex;align-items:center;justify-content:space-between;gap:24px}.td-utility-nav{display:flex;align-items:center;gap:20px}.td-utility-nav a{color:#667085;text-decoration:none;font-size:13px;font-weight:500}.td-utility-nav a:hover{color:#0b274d}.td-utility-phone{height:36px;display:inline-flex;align-items:center;gap:8px;padding:0 16px;background:#f04438;color:#fff;text-decoration:none;font-size:13px;font-weight:800}.td-utility-phone:hover{background:#d92d20}.td-header{border-bottom:0}.td-header-inner{border-bottom:1px solid var(--td-border)}
.td-nav-group{height:100%;display:flex;align-items:center}.td-nav-combo{display:flex;align-items:center;border-radius:8px}.td-nav-combo:hover{background:#f8fafc}.td-nav-combo>a{padding-right:5px}.td-nav-combo button{width:34px;height:44px;border:0;background:transparent;color:#667085;cursor:pointer}.td-nav-combo button i{font-size:10px;transition:transform .2s}.td-nav-combo button.is-open i{transform:rotate(180deg)}
.td-mega{position:fixed;left:0;right:0;top:108px;z-index:95;opacity:0;visibility:hidden;pointer-events:none;transform:translateY(-4px);transition:opacity .16s,transform .16s,visibility .16s}.td-mega.is-open{opacity:1;visibility:visible;pointer-events:auto;transform:none}.td-mega-surface{width:100%;background:#fff;border-bottom:1px solid #dce4ec;box-shadow:0 18px 40px rgba(15,23,42,.12);max-height:calc(100vh - 124px);overflow:auto}.td-mega-top{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px;padding:18px 0;border-bottom:1px solid #e2e8f0;color:#0b274d;text-decoration:none}.td-mega-top strong{display:block;font-size:18px;letter-spacing:-.02em}.td-mega-top small{display:block;margin-top:6px;color:#667085;font-size:13px;font-weight:500}.td-mega-top>span:last-child{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:750;white-space:nowrap}.td-mega-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr))}.td-mega-col{padding:20px 18px 24px;border-right:1px solid #e8edf3}.td-mega-col:first-child{padding-left:0}.td-mega-col:last-child{border-right:0;padding-right:0}.td-mega-col.is-active{background:#fbfcfd}.td-mega-hub{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:0 0 13px;color:#18181b;text-decoration:none;font-size:15px;font-weight:850}.td-mega-hub i{color:var(--hub-accent);font-size:11px}.td-mega-subgroup{margin-top:11px}.td-mega-subtitle{margin-bottom:4px;color:#98a2b3;font-size:10px;font-weight:850;letter-spacing:.08em;text-transform:uppercase}.td-mega-item{display:block;padding:5px 0;color:#667085;text-decoration:none;font-size:12.5px;line-height:1.35}.td-mega-item:hover{color:#0b274d}.td-mega-backdrop{position:fixed;left:0;right:0;top:108px;bottom:0;z-index:90;background:rgba(9,9,11,.35);opacity:0;visibility:hidden;pointer-events:none;transition:.16s}.td-mega-backdrop.is-open{opacity:1;visibility:visible;pointer-events:auto}
.td-drawer-scroll{flex:1;overflow-y:auto}.td-drawer-root,.td-drawer-secondary a{min-height:56px;padding:0 18px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid #eef2f6;color:#344054;text-decoration:none;font-size:15px;font-weight:700}.td-mobile-section{border-bottom:1px solid #dce4ec}.td-mobile-head{display:grid;grid-template-columns:1fr 56px}.td-mobile-hub-link{min-height:58px;padding:0 18px;display:flex;align-items:center;gap:10px;color:#0b274d;text-decoration:none;font-size:16px;font-weight:800}.td-mobile-dot{width:8px;height:8px;border-radius:999px;flex:none}.td-mobile-toggle{border:0;border-left:1px solid #eef2f6;background:#fff;color:#667085;cursor:pointer}.td-mobile-toggle i{font-size:11px;transition:transform .2s}.td-mobile-toggle.is-open i{transform:rotate(180deg)}.td-mobile-panel{background:#fafbfc;border-top:1px solid #eef2f6}.td-mobile-panel[hidden]{display:none}.td-mobile-subgroup{padding:13px 18px;border-bottom:1px solid #eef2f6}.td-mobile-subgroup:last-child{border-bottom:0}.td-mobile-subtitle{margin-bottom:5px;color:#98a2b3;font-size:10px;font-weight:850;text-transform:uppercase;letter-spacing:.08em}.td-mobile-article{display:block;padding:7px 0;color:#667085;text-decoration:none;font-size:14px;line-height:1.45}.td-mobile-article:hover{color:#0b274d}.td-drawer-secondary{border-top:8px solid #f4f6f8}
.td-final-cta{background:#fff;padding:44px 0 58px}.td-final-cta-inner{width:min(1060px,calc(100% - 28px));margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:34px;padding:34px 38px;border-radius:10px;background:#18181b;color:#fff}.td-final-kicker{font-size:12px;font-weight:850;text-transform:uppercase;letter-spacing:.12em;color:#5eead4}.td-final-cta h2{max-width:720px;margin:10px 0 0;color:#fff;font-size:30px;line-height:1.12;letter-spacing:-.035em}.td-final-cta p{max-width:720px;margin:13px 0 0;color:rgba(255,255,255,.64);font-size:14px;line-height:1.7}.td-final-actions{display:flex;flex-direction:column;gap:10px}.td-btn{min-height:50px;padding:0 20px;border-radius:8px;display:inline-flex;align-items:center;justify-content:center;gap:9px;text-decoration:none;font-size:14px;font-weight:800;white-space:nowrap}.td-btn-call{background:#f04438;color:#fff}.td-btn-call:hover{background:#d92d20}.td-btn-report{background:#fff;border:1px solid rgba(255,255,255,.25);color:#18181b}.td-btn-report:hover{background:#f8fafc}
.td-mobile-action{position:fixed;left:0;right:0;bottom:0;z-index:115;padding:8px;background:#18181b;border-top:1px solid #303036;box-shadow:0 -10px 28px rgba(0,0,0,.18);transform:translateY(100%);opacity:0;pointer-events:none;transition:.2s}.td-mobile-action.is-visible{transform:none;opacity:1;pointer-events:auto}.td-mobile-action-grid{display:grid;grid-template-columns:1fr 1fr;gap:7px}.td-mobile-action a{min-height:54px;display:flex;align-items:center;justify-content:center;gap:7px;border-radius:8px;text-decoration:none;text-align:center;font-weight:850;white-space:nowrap}.td-mobile-call{background:#f04438;color:#fff}.td-mobile-report{background:#fff;color:#f26522;border:1px solid #f4b08d}.td-mobile-action span{font-size:clamp(10px,3.1vw,15px);line-height:1}
@media(max-width:1170px) and (min-width:1024px){.td-nav>a,.td-nav-combo>a{padding-left:8px;padding-right:6px;font-size:13px}.td-nav{gap:1px}.td-brand-title{font-size:14px}.td-brand-logo{width:58px;height:58px}.td-header-inner{gap:16px}.td-mega-item{font-size:12px}.td-mega-col{padding-left:13px;padding-right:13px}}
@media(max-width:1023px){.td-utility{display:none}.td-mega,.td-mega-backdrop{display:none!important}.td-header-inner{height:72px}.td-final-cta-inner{grid-template-columns:1fr}.td-final-actions{flex-direction:row;flex-wrap:wrap}.td-final-actions .td-btn{flex:1 1 220px}}
@media(max-width:767px){.td-body{padding-bottom:70px}.td-final-cta{padding:34px 0 44px}.td-final-cta-inner{padding:28px 22px;gap:24px}.td-final-cta h2{font-size:25px}.td-final-actions{display:grid;grid-template-columns:1fr 1fr;gap:8px}.td-final-actions .td-btn{padding:0 10px;font-size:12px}.td-mobile-action{display:block}}
@media(min-width:768px){.td-mobile-action{display:none}}
@media(max-width:460px){.td-final-actions{grid-template-columns:1fr}.td-mobile-action a{font-size:12px}}

/* Navigation and index-card interaction, aligned with the main-site menu. */
.td-mega[hidden]{display:none!important}
.td-nav>a,.td-nav-combo>a{font-weight:600}
.td-mega-hub{font-weight:700}
.td-mega-subtitle{font-weight:600;letter-spacing:0;text-transform:none;font-size:12px;line-height:1.5;color:#667085}
.td-mega-item{font-weight:400;font-size:14px;line-height:1.45;padding:7px 0;transition:color .16s}
.td-mega-item:hover{color:#1570ef;text-decoration:underline;text-underline-offset:3px}
.td-mega a:focus-visible,.td-nav-combo button:focus-visible,.td-nav>a:focus-visible{outline:2px solid #1570ef;outline-offset:3px}
.td-hub-card,.td-home-card{display:flex;flex-direction:column;cursor:pointer;transition:border-color .18s,box-shadow .18s,transform .18s}
.td-card-link{display:flex;align-items:center;gap:8px;margin-top:auto;padding-top:18px;color:#0b274d;font-size:14px;font-weight:600;line-height:1.5}
.td-card-link>span{transition:transform .18s}
.td-hub-card:hover,.td-home-card:hover{border-color:#1570ef;box-shadow:0 10px 28px rgba(15,23,42,.1);transform:translateY(-2px)}
.td-hub-card:hover .td-card-link,.td-home-card:hover .td-card-link{color:#1570ef;text-decoration:underline;text-underline-offset:3px}
.td-hub-card:hover .td-card-link>span,.td-home-card:hover .td-card-link>span{transform:translateX(3px)}
.td-hub-card:focus-visible,.td-home-card:focus-visible{outline:3px solid #1570ef;outline-offset:4px;border-color:#1570ef}
@media(prefers-reduced-motion:reduce){.td-hub-card,.td-home-card,.td-card-link>span,.td-mega{transition:none;transform:none}}

/* Shared site navigation: match the homepage font fallback exactly.
   Article typography remains controlled by .td-body. */
.td-body #siteHeader,
.td-body #mobileDrawer {
  font-family: Inter, sans-serif;
}