:root{--navy:#082f4b;--navy2:#041f34;--teal:#0eaaa6;--aqua:#38bdf8;--off:#f8f9fa;--slate:#667280;--ink:#10263a;--line:#dbe4ea}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--ink);background:var(--off);margin:0;font-family:Arial,Helvetica,sans-serif}a{color:inherit;text-decoration:none}header{z-index:2;align-items:center;gap:30px;max-width:1240px;height:92px;margin:auto;padding:0 28px;display:flex;position:relative}.logo{align-items:center;gap:10px;min-width:220px;display:flex}.logo .mark{border:2px solid var(--teal);width:43px;height:43px;color:var(--teal);border-radius:50%;place-items:center;font-size:26px;display:grid}.logo b{letter-spacing:2px;font-size:14px;display:block}.logo small{letter-spacing:3px;margin-top:3px;font-size:9px;display:block}.logo i{color:var(--teal);font-style:normal}nav{gap:25px;margin-left:auto;font-size:13px;display:flex}nav a:hover{color:var(--teal)}.button{background:var(--teal);color:#fff;border-radius:6px;padding:15px 21px;font-weight:700;display:inline-block}.button.small{padding:11px 15px;font-size:12px}.hero{color:#fff;background:radial-gradient(circle at 78% 35%,#0b6d80 0,transparent 28%),linear-gradient(115deg,var(--navy2),var(--navy) 62%,#075c70);min-height:670px}.hero header{border-bottom:1px solid #ffffff24}.hero .logo{color:#fff}.heroInner{max-width:1184px;margin:auto;padding:100px 28px 120px}.eyebrow{color:var(--teal);letter-spacing:2.5px;font-size:12px;font-weight:700}.hero h1{letter-spacing:-3px;max-width:760px;margin:22px 0;font-size:72px;line-height:.98}.hero h1 em{color:#72d9df;font-style:normal}.lead{color:#d6e4eb;max-width:690px;font-size:20px;line-height:1.55}.lead.dark{color:var(--slate)}.actions{gap:12px;margin-top:34px;display:flex}.button.ghost{background:0 0;border:1px solid #fff6}.motto{letter-spacing:1px;color:#c7dbe4;margin-top:55px;font-size:13px}main>section,.page{max-width:1184px;margin:auto;padding:90px 28px}.intro{text-align:center;max-width:820px!important}.intro h2,.tool h2,.countries h2,.newsletter h2{letter-spacing:-1.5px;margin:12px 0;font-size:42px}.intro p:last-child{color:var(--slate);font-size:18px;line-height:1.7}.cards{grid-template-columns:repeat(4,1fr);gap:1px;display:grid;padding-top:0!important}.cards article{border:1px solid var(--line);background:#fff;padding:38px 28px}.cards b,.steps b{color:var(--teal);font-size:12px}.cards h3{margin:30px 0 10px;font-size:25px}.cards p,.articleGrid p{color:var(--slate);line-height:1.6}.tool{grid-template-columns:.75fr 1.25fr;align-items:start;gap:70px;display:grid}.calc{border:1px solid var(--line);background:#fff;border-radius:10px;padding:28px;box-shadow:0 18px 50px #082f4b0b}.fields{grid-template-columns:1fr 1fr;gap:16px;display:grid}.fields label{font-size:12px;font-weight:700}.fields input,.signup input{border:1px solid var(--line);border-radius:5px;width:100%;margin-top:8px;padding:13px;font-size:16px}.results{grid-template-columns:repeat(3,1fr);gap:10px;margin-top:22px;display:grid}.results span{color:var(--slate);background:#f2f7f8;padding:16px;font-size:11px}.results strong{color:var(--navy);margin-top:7px;font-size:21px;display:block}.fine{color:var(--slate);font-size:10px;line-height:1.5}.countries{background:#fff;max-width:none!important}.countries>*{max-width:1128px;margin-left:auto;margin-right:auto}.countryGrid{grid-template-columns:repeat(3,1fr);gap:12px;margin-top:35px;display:grid}.countryGrid a{border:1px solid var(--line);background:var(--off);justify-content:space-between;padding:22px;font-weight:700;display:flex}.countryGrid a span{color:var(--teal)}.newsletter{background:var(--navy);color:#fff;border-radius:12px;justify-content:space-between;align-items:center;display:flex;max-width:1128px!important;margin:70px auto!important;padding:55px!important}.newsletter p{color:#c7dbe4}.page{min-height:650px}.page h1{letter-spacing:-2px;max-width:850px;margin:15px 0 20px;font-size:58px}.steps,.articleGrid{grid-template-columns:repeat(3,1fr);gap:14px;margin-top:50px;display:grid}.steps article,.articleGrid article,.toc{border:1px solid var(--line);background:#fff;padding:28px}.articleGrid small{color:var(--teal);letter-spacing:1px;font-weight:700}.articleGrid h3{font-size:21px}.countryGrid.large{grid-template-columns:repeat(3,1fr)}.countryGrid.large a span{font-size:11px}.signup{border:1px solid var(--line);background:#fff;max-width:600px;margin-top:40px;padding:35px}.signup button{background:var(--teal);color:#fff;border:0;margin:12px 0;padding:14px 18px;font-weight:700}.signup small{color:var(--slate);display:block}footer{border-top:1px solid var(--line);grid-template-columns:260px 1fr 1fr;align-items:center;gap:30px;max-width:1184px;margin:auto;padding:50px 28px;font-size:12px;display:grid}.muted{color:var(--slate)}@media (max-width:850px){header nav,header>.button{display:none}.hero h1{font-size:50px}.cards,.steps,.articleGrid,.countryGrid,.countryGrid.large,.tool,.results,.fields{grid-template-columns:1fr}.newsletter{display:block;margin:20px!important}.newsletter .button{margin-top:20px}.page h1{font-size:44px}footer{grid-template-columns:1fr}}.logoImg{object-fit:cover;object-position:center;border-radius:50%;width:48px;height:43px}.page h2{color:var(--navy);margin:48px 0 16px;font-size:30px}.toolSection{border-top:1px solid var(--line);margin-top:70px;padding-top:35px}.brokerTable{border:1px solid var(--line);background:#fff;margin-top:36px}.brokerHead,.brokerRow{grid-template-columns:1.25fr .75fr 1.15fr 1.25fr;align-items:center;gap:14px;padding:17px 20px;display:grid}.brokerHead{background:var(--navy);color:#fff;font-size:12px}.brokerRow{border-top:1px solid var(--line);font-size:13px}.brokerRow span{color:var(--slate)}.brokerRow .yes{color:var(--teal);font-weight:700}.disclosure{border-left:4px solid var(--teal);background:#eaf7f7;margin-top:38px;padding:20px 24px}.disclosure p{color:var(--slate);margin-bottom:0;line-height:1.6}.statGrid{grid-template-columns:repeat(3,1fr);gap:14px;margin-top:42px;display:grid}.statGrid article{border:1px solid var(--line);background:#fff;padding:24px}.statGrid small{color:var(--teal);letter-spacing:1px;margin-bottom:14px;font-weight:700;display:block}.statGrid strong{color:var(--navy);font-size:21px}.statGrid p{color:var(--slate);line-height:1.5}.route{flex-wrap:wrap;align-items:center;gap:12px;display:flex}.route span{border:1px solid var(--line);background:#fff;padding:14px 18px;font-weight:700}.route i{color:var(--teal);font-size:22px;font-style:normal}.button.outline{color:var(--navy);border:1px solid var(--navy);background:#fff}@media (max-width:850px){.brokerHead{display:none}.brokerRow,.statGrid{grid-template-columns:1fr}.brokerRow{gap:6px}.logo{min-width:190px}}.finderTop{background:var(--navy);color:#fff;border-radius:12px 12px 0 0;grid-template-columns:1.3fr .7fr;align-items:end;gap:45px;padding:34px;display:grid}.finderTop h2{color:#fff!important;margin:7px 0 8px!important}.finderTop p{color:#c9dce5;line-height:1.55}.finderTop label{font-size:12px;font-weight:700}.finderTop select{width:100%;color:var(--ink);background:#fff;border:1px solid #fff5;border-radius:6px;margin-top:9px;padding:14px;font-size:15px;display:block}.finderResults{background:var(--line);border:1px solid var(--line);grid-template-columns:repeat(3,1fr);gap:1px;display:grid}.finderResults article{background:#fff;padding:25px}.brokerTitle{justify-content:space-between;align-items:start;gap:12px;display:flex}.brokerTitle small{color:var(--teal);letter-spacing:1px;font-weight:700}.brokerTitle h3{margin:5px 0 15px;font-size:20px}.status{white-space:nowrap;border-radius:99px;padding:7px 9px;font-size:10px;font-weight:700}.status.verified{color:#08776f;background:#e5f7f3}.status.review{color:#8b6200;background:#fff4d9}.status.unavailable{color:#9a3232;background:#fde9e9}.finderResults article>p{color:var(--slate);font-size:13px;line-height:1.55}.finderResults dl{margin:20px 0 0}.finderResults dl div{border-top:1px solid var(--line);padding:10px 0}.finderResults dt{color:var(--slate);text-transform:uppercase;letter-spacing:1px;font-size:9px}.finderResults dd{margin:4px 0 0;font-size:12px;line-height:1.45}.methodNote{background:#f4f8f9;padding:10px;font-size:11px!important}.methodology{margin-top:80px}.methodGrid{grid-template-columns:repeat(3,1fr);gap:14px;display:grid}.methodGrid article{border:1px solid var(--line);background:#fff;padding:25px}.methodGrid b{color:var(--teal)}.methodGrid h3{margin:20px 0 8px}.methodGrid p{color:var(--slate);line-height:1.55}.countryPending{border:1px solid var(--line);background:var(--off);justify-content:space-between;padding:22px;font-weight:700;display:flex}.countryPending span{color:var(--slate);letter-spacing:1px;font-size:10px}@media (max-width:850px){.finderTop,.finderResults,.methodGrid{grid-template-columns:1fr}.brokerTitle{display:block}.status{margin-bottom:8px;display:inline-block}}.page{max-width:1380px}.finder{margin-top:48px}.finderTop{grid-template-columns:1.5fr .5fr}.finderResults article{padding:28px}.quickFacts{border-top:1px solid var(--line);grid-template-columns:1fr;gap:0;margin:18px 0;display:grid}.quickFacts span{border-bottom:1px solid var(--line);color:var(--slate);padding:9px 0;font-size:11px;line-height:1.4}.quickFacts b{color:var(--ink);text-transform:uppercase;letter-spacing:.8px;margin-bottom:3px;font-size:9px;display:block}.brokerActions{justify-content:space-between;align-items:center;gap:12px;margin-top:16px;display:flex}.brokerActions button,.compareHeading button{border:1px solid var(--line);color:var(--navy);cursor:pointer;background:#fff;border-radius:5px;padding:9px 12px;font-weight:700}.compareCheck{color:var(--navy);align-items:center;gap:7px;font-size:12px;font-weight:700;display:flex}.comparePanel{border:1px solid var(--line);background:#fff;margin-top:28px;padding:28px}.compareHeading{justify-content:space-between;align-items:end;display:flex}.compareHeading h2{margin:5px 0!important}.compareTable{border:1px solid var(--line);margin-top:20px;overflow:auto}.compareRow{border-top:1px solid var(--line);grid-template-columns:180px repeat(3,minmax(210px,1fr));display:grid}.compareRow:first-child{border-top:0}.compareRow>*{border-right:1px solid var(--line);padding:13px;font-size:12px;line-height:1.45}.compareRow>:last-child{border-right:0}.compareRow.head{background:var(--navy);color:#fff}.compareRow strong{background:#f5f8f9}.heroInner.v4{grid-template-columns:1.25fr .75fr;align-items:center;gap:70px;padding-top:80px;display:grid}.heroInner.v4 h1{font-size:68px}.heroPanel{-webkit-backdrop-filter:blur(3px);backdrop-filter:blur(3px);background:#ffffff0d;border:1px solid #ffffff2b;border-radius:12px;padding:26px}.heroPanel h3{margin:5px 0 18px;font-size:20px}.heroStats{grid-template-columns:1fr 1fr;gap:10px;display:grid}.heroStats div{background:#ffffff0d;border:1px solid #ffffff1e;padding:16px}.heroStats strong{color:#72d9df;font-size:25px;display:block}.heroStats span{color:#d6e4eb;font-size:11px}.researchStrip{z-index:2;grid-template-columns:repeat(4,1fr);gap:1px;display:grid;position:relative;max-width:1184px!important;margin:-46px auto 45px!important;padding:0 28px!important}.researchStrip div{border:1px solid var(--line);background:#fff;padding:20px}.researchStrip strong{color:var(--navy);font-size:19px;display:block}.researchStrip span{color:var(--slate);font-size:11px}.button.ghost2{color:var(--navy);border:1px solid var(--line);background:#fff}@media (max-width:850px){.heroInner.v4{grid-template-columns:1fr}.heroPanel{display:none}.researchStrip{grid-template-columns:1fr 1fr;margin:0 auto 20px!important}.compareHeading{display:block}.compareHeading button{margin-top:10px}.compareRow{grid-template-columns:135px repeat(3,minmax(180px,1fr))}}.researchSummary{grid-template-columns:repeat(4,1fr);gap:10px;padding:16px 0 22px;display:grid}.researchSummary button{text-align:left;color:#173042;cursor:pointer;background:#f7fafb;border:1px solid #dbe6e9;border-radius:8px;padding:12px 14px}.researchSummary button.active{border-color:#0ea5a6;box-shadow:inset 0 0 0 1px #0ea5a6}.researchSummary b{color:#0b2d45;font-size:20px;display:block}.researchSummary span{color:#6b7280;font-size:11px}.methodNote{color:#173042;background:#eaf7f7;border-left:4px solid #0ea5a6;margin:20px 0 10px;padding:14px 16px;font-size:13px;line-height:1.55}.finder dl a{color:#0b7f86;font-weight:700;text-decoration:none}.finder dl a:hover{text-decoration:underline}@media (max-width:760px){.researchSummary{grid-template-columns:repeat(2,1fr)}}.hubNav{border:1px solid var(--line);z-index:5;background:#fff;border-radius:8px;flex-wrap:wrap;gap:8px;margin:38px 0 8px;padding:10px;display:flex;position:sticky;top:8px}.hubNav a{color:var(--navy);border-radius:5px;padding:9px 13px;font-size:12px;font-weight:700}.hubNav a:hover{color:#08776f;background:#eaf7f7}.hubSection{border-bottom:1px solid var(--line);grid-template-columns:1.05fr .95fr;align-items:start;gap:70px;padding:70px 0;display:grid}.hubSection h2,.hubBlock h2{letter-spacing:-1px;margin:10px 0 16px!important;font-size:38px!important}.hubSection>div>p:not(.eyebrow),.sectionLead{color:var(--slate);font-size:16px;line-height:1.7}.evidenceCard{background:var(--navy);color:#fff;border-radius:10px;padding:28px}.evidenceCard h3{margin:18px 0;font-size:28px}.evidenceCard dl{margin:0 0 20px}.evidenceCard dl div{border-top:1px solid #ffffff25;grid-template-columns:140px 1fr;gap:15px;padding:12px 0;display:grid}.evidenceCard dt{color:#9fc0ce;text-transform:uppercase;letter-spacing:1px;font-size:10px}.evidenceCard dd{margin:0;font-size:13px}.evidenceCard a{color:#72d9df;font-size:12px;font-weight:700}.checkGrid{grid-template-columns:1fr 1fr;gap:10px;display:grid}.checkGrid article{border:1px solid var(--line);background:#fff;padding:22px}.checkGrid b{color:var(--teal);letter-spacing:1px;font-size:10px}.checkGrid h3{margin:14px 0 7px;font-size:18px}.checkGrid p{margin:0;font-size:12px!important;line-height:1.55!important}.hubBlock{border-bottom:1px solid var(--line);padding:70px 0}.fundPlanner{border:1px solid var(--line);background:#fff;border-radius:10px;margin-top:28px;overflow:hidden}.plannerInputs{background:var(--line);grid-template-columns:repeat(4,1fr);gap:1px;display:grid}.plannerInputs label{background:#f8fbfb;padding:20px;font-size:11px;font-weight:700}.plannerInputs input,.plannerInputs select{border:1px solid var(--line);background:#fff;border-radius:5px;width:100%;margin-top:8px;padding:12px;font-size:14px;display:block}.plannerResults{grid-template-columns:repeat(4,1fr);gap:0;display:grid}.plannerResults article{border-right:1px solid var(--line);padding:25px}.plannerResults article:last-child{border-right:0}.plannerResults small{letter-spacing:1px;color:var(--slate);font-size:9px;display:block}.plannerResults strong{color:var(--navy);margin:10px 0 5px;font-size:25px;display:block}.plannerResults span{color:var(--slate);font-size:11px}.plannerNote{border-top:1px solid var(--line);background:#eaf7f7;padding:20px 25px}.plannerNote p{color:var(--slate);max-width:900px;font-size:12px;line-height:1.6}.plannerNote a{color:#08776f;font-size:11px;font-weight:700}.structureTable{border:1px solid var(--line);background:#fff}.structureTable>div{border-top:1px solid var(--line);grid-template-columns:180px 1fr;display:grid}.structureTable>div:first-child{border-top:0}.structureTable strong,.structureTable span,.structureTable b{padding:14px 16px;font-size:12px}.structureTable span{color:var(--slate);border-left:1px solid var(--line)}.structureHead{background:var(--navy);color:#fff}.structureHead b:last-child{border-left:1px solid #ffffff25}.roadmap{grid-template-columns:1fr 1fr;gap:10px;margin-top:30px;display:grid}.roadmap article{border:1px solid var(--line);background:#fff;gap:18px;padding:20px;display:flex}.roadmap article>b{color:#72cfd2;font-size:24px}.roadmap strong{color:var(--navy);margin-bottom:5px;font-size:14px;display:block}.roadmap span{color:var(--slate);font-size:11px;line-height:1.4}.sourceBar{background:var(--navy);color:#fff;border-radius:10px;justify-content:space-between;align-items:center;gap:25px;margin-top:60px;padding:28px;display:flex}.sourceBar>div:first-child{max-width:680px}.sourceBar b{margin-bottom:6px;display:block}.sourceBar span{color:#c7dbe4;font-size:12px;line-height:1.5}.sourceBar .actions{white-space:nowrap;margin-top:0}@media (max-width:850px){.hubNav{position:static}.hubSection{grid-template-columns:1fr;gap:25px}.checkGrid,.plannerInputs,.plannerResults,.roadmap{grid-template-columns:1fr}.plannerResults article{border-right:0;border-bottom:1px solid var(--line)}.sourceBar{display:block}.sourceBar .actions{margin-top:20px}.structureTable>div{grid-template-columns:120px 1fr}}.freqPlanner,.etfExplorer{border:1px solid var(--line);background:#fff;border-radius:10px;margin-top:28px;overflow:hidden}.freqTable{overflow-x:auto}.freqRow{border-top:1px solid var(--line);grid-template-columns:1.15fr .65fr 1fr 1fr 1fr .7fr 1fr;min-width:900px;display:grid}.freqRow>*{border-right:1px solid var(--line);padding:14px 16px;font-size:12px}.freqRow>:last-child{border-right:0}.freqRow.head{background:var(--navy);color:#fff;border-top:0}.freqRow:not(.head) strong{color:var(--navy)}.freqRow:not(.head) span{color:var(--slate)}.explorerInputs{background:var(--line);grid-template-columns:1fr 1fr;gap:1px;display:grid}.explorerInputs label{background:#f8fbfb;padding:20px;font-size:11px;font-weight:700}.explorerInputs input{border:1px solid var(--line);background:#fff;border-radius:5px;width:100%;margin-top:8px;padding:12px;font-size:14px;display:block}.structureCompare{background:var(--line);grid-template-columns:1fr 1fr;gap:1px;display:grid}.structureCompare article{background:#fff;padding:28px}.structureCompare small{color:var(--teal);letter-spacing:1px;font-weight:700}.structureCompare h3{color:var(--navy);margin:8px 0 20px;font-size:24px}.structureCompare dl{margin:0}.structureCompare dl div{border-top:1px solid var(--line);grid-template-columns:150px 1fr;gap:18px;padding:12px 0;display:grid}.structureCompare dt{text-transform:uppercase;letter-spacing:.8px;color:var(--slate);font-size:9px}.structureCompare dd{margin:0;font-size:12px;line-height:1.5}.taxCaution{background:#fff8e8;border-top:1px solid #eadfbd;padding:20px 25px}.taxCaution p{color:var(--slate);margin-bottom:0;font-size:12px;line-height:1.6}@media (max-width:850px){.explorerInputs,.structureCompare{grid-template-columns:1fr}.structureCompare dl div{grid-template-columns:115px 1fr}}.planSection{padding-top:55px}.planBuilder{border:1px solid var(--line);background:#fff;border-radius:12px;margin-top:28px;overflow:hidden}.planIntro{background:var(--navy);color:#fff;grid-template-columns:1.4fr .6fr;gap:35px;padding:30px;display:grid}.planIntro h3{margin:15px 0 8px;font-size:27px}.planIntro p{color:#c7dbe4;max-width:700px;margin:0;line-height:1.55}.planResearch{border-left:1px solid #ffffff2d;flex-direction:column;justify-content:center;padding-left:25px;display:flex}.planResearch b{letter-spacing:1px;color:#72d9df;font-size:11px}.planResearch span{margin:7px 0;font-size:13px;line-height:1.45}.planResearch small{color:#9fc0ce}.planInputs{grid-template-columns:1.1fr 1.4fr 1fr 1fr 1fr}.planMetrics{border-top:1px solid var(--line);border-bottom:1px solid var(--line);grid-template-columns:repeat(4,1fr);display:grid}.planMetrics article{border-right:1px solid var(--line);padding:22px}.planMetrics article:last-child{border-right:0}.planMetrics small{letter-spacing:1px;color:var(--slate);font-size:9px}.planMetrics strong{color:var(--navy);margin:8px 0 4px;font-size:24px;display:block}.planMetrics span{color:var(--slate);font-size:11px}.planRoute{background:#eaf7f7;justify-content:space-between;align-items:center;gap:20px;padding:22px 25px;display:flex}.planRoute>div{flex-wrap:wrap;align-items:center;gap:9px;display:flex}.planRoute b{letter-spacing:1px;color:#08776f;margin-right:5px;font-size:9px}.planRoute span{background:#fff;border:1px solid #cfe4e4;border-radius:4px;padding:8px 10px;font-size:11px}.planRoute i{color:var(--teal);font-style:normal}.planRoute a{color:#08776f;white-space:nowrap;font-size:11px;font-weight:700}.planChecklist{background:#f8fbfb;grid-template-columns:1fr 1fr;gap:8px;padding:25px;display:grid}.planChecklist article{border:1px solid var(--line);background:#fff;grid-template-columns:34px 1fr auto;align-items:start;gap:13px;padding:17px;display:grid}.planChecklist article>b{color:#72cfd2;font-size:18px}.planChecklist strong{margin-bottom:4px;font-size:13px;display:block}.planChecklist span{color:var(--slate);font-size:10px;line-height:1.45;display:block}.planChecklist em{letter-spacing:.8px;color:#08776f;background:#e5f7f3;border-radius:99px;padding:5px 7px;font-size:8px;font-style:normal;font-weight:700}.planCaution{border-top:1px solid var(--line);background:#fff8e8;padding:20px 25px}.planCaution b{font-size:12px}.planCaution p{color:var(--slate);margin-bottom:0;font-size:11px;line-height:1.55}@media (max-width:900px){.planIntro{grid-template-columns:1fr}.planResearch{border-top:1px solid #ffffff2d;border-left:0;padding:18px 0 0}.planInputs,.planMetrics,.planChecklist{grid-template-columns:1fr}.planMetrics article{border-right:0;border-bottom:1px solid var(--line)}.planRoute{display:block}.planRoute a{margin-top:15px;display:inline-block}}.workspace{margin-top:42px}.workspaceTop{background:var(--navy);color:#fff;border-radius:12px 12px 0 0;justify-content:space-between;align-items:center;gap:30px;padding:30px;display:flex}.workspaceTop h2{margin:13px 0 8px;font-size:31px}.workspaceTop p{color:#c7dbe4;max-width:720px;margin:0;line-height:1.55}.workspaceActions{flex-wrap:wrap;justify-content:flex-end;gap:8px;display:flex}.workspaceActions button{background:var(--teal);color:#fff;cursor:pointer;border:0;border-radius:5px;padding:11px 14px;font-weight:700}.workspaceActions button.quiet{background:0 0;border:1px solid #ffffff45}.progressCard{border:1px solid var(--line);background:#fff;border-top:0;grid-template-columns:220px 1fr auto;align-items:center;gap:20px;padding:20px 25px;display:grid}.progressCard b{color:var(--navy);margin-right:10px;font-size:25px}.progressCard span,.progressCard small{color:var(--slate);font-size:11px}.progressTrack{background:#e8eef1;border-radius:99px;height:8px;overflow:hidden}.progressTrack i{background:var(--teal);border-radius:99px;height:100%;display:block}.workspaceGrid{background:var(--line);border:1px solid var(--line);border-top:0;grid-template-columns:1.4fr .6fr;gap:1px;display:grid}.workspacePanel,.workspaceSummary{background:#fff;padding:28px}.workspacePanel h3,.workspaceRoadmap h3,.workspaceEvidence h3{margin:8px 0 20px;font-size:25px}.workspaceFields{grid-template-columns:1fr 1fr;gap:14px;display:grid}.workspaceFields label{font-size:11px;font-weight:700}.workspaceFields input,.workspaceFields select{border:1px solid var(--line);background:#fff;border-radius:5px;width:100%;margin-top:7px;padding:11px;display:block}.workspaceSummary{background:#f1f8f8}.workspaceSummary dl{margin:12px 0}.workspaceSummary dl div{border-top:1px solid #d5e6e6;justify-content:space-between;gap:15px;padding:10px 0;display:flex}.workspaceSummary dt{color:var(--slate);font-size:10px}.workspaceSummary dd{text-align:right;margin:0;font-size:12px;font-weight:700}.workspaceSummary a{color:#08776f;font-size:11px;font-weight:700}.workspaceRoadmap{border:1px solid var(--line);background:#f8fbfb;border-top:0;padding:28px}.workspaceHeading{justify-content:space-between;align-items:end;gap:20px;display:flex}.workspaceHeading span{color:var(--slate);margin-bottom:20px;font-size:11px}.workspaceStep{border:1px solid var(--line);cursor:pointer;background:#fff;grid-template-columns:22px 38px 1fr auto;align-items:center;gap:12px;margin-top:7px;padding:15px;display:grid}.workspaceStep input{width:17px;height:17px;accent-color:var(--teal)}.workspaceStep>b{color:#72cfd2;font-size:18px}.workspaceStep strong{font-size:13px;display:block}.workspaceStep span{color:var(--slate);margin-top:3px;font-size:10px;line-height:1.45;display:block}.workspaceStep em{color:#687984;background:#eef3f5;border-radius:99px;padding:5px 8px;font-size:8px;font-style:normal;font-weight:700}.workspaceStep.complete{background:#f1fbf9;border-color:#9fd9d5}.workspaceStep.complete em{color:#08776f;background:#dff5ef}.workspaceEvidence{border:1px solid var(--line);background:#fff;border-top:0;grid-template-columns:.8fr 1.2fr;gap:40px;padding:30px;display:grid}.workspaceEvidence p:not(.eyebrow){color:var(--slate);font-size:12px;line-height:1.55}.evidenceLinks{grid-template-columns:repeat(3,1fr);gap:8px;display:grid}.evidenceLinks a{border:1px solid var(--line);padding:16px}.evidenceLinks b{color:var(--navy);margin-bottom:7px;font-size:11px;display:block}.evidenceLinks span{color:#08776f;font-size:10px}.workspace>.planCaution{border:1px solid #eadfbd;border-top:0;border-radius:0 0 10px 10px}@media (max-width:900px){.workspaceTop{display:block}.workspaceActions{justify-content:flex-start;margin-top:20px}.progressCard,.workspaceGrid,.workspaceEvidence,.workspaceFields,.evidenceLinks{grid-template-columns:1fr}.workspaceHeading{display:block}.workspaceStep{grid-template-columns:22px 32px 1fr}.workspaceStep em{grid-column:3}}@media print{header,footer,.hubNav,.workspaceActions,.button{display:none!important}.page{max-width:none;padding:20px}.workspace{margin-top:10px}.workspaceTop{border:1px solid var(--line);color:var(--ink)!important;background:#fff!important}.workspaceTop p{color:var(--slate)!important}.workspaceStep,.workspaceEvidence{break-inside:avoid}}.academyLead{max-width:800px}.academyPath{border-top:1px solid var(--line);margin-top:48px}.academyCard{border-bottom:1px solid var(--line);grid-template-columns:80px 1fr;gap:24px;padding:27px 8px;transition:all .15s;display:grid}.academyCard:hover{background:#fff;padding-left:18px;padding-right:18px}.academyNum{color:#79cfd1;padding-top:4px;font-size:28px;font-weight:700}.academyCard small{color:var(--teal);letter-spacing:1px;font-size:10px;font-weight:700}.academyCard h3{margin:7px 0;font-size:24px}.academyCard p{color:var(--slate);max-width:760px;margin:0 0 13px;line-height:1.55}.academyCard>b{color:#08776f;font-size:11px}.topicChips{flex-wrap:wrap;gap:6px;margin-bottom:14px;display:flex}.topicChips span,.lessonMeta span,.lessonAside>span{border:1px solid var(--line);color:var(--slate);background:#f5f8f9;border-radius:99px;padding:6px 8px;font-size:9px}.academyWorkspace{background:var(--navy);color:#fff;border-radius:10px;justify-content:space-between;align-items:center;gap:35px;margin-top:55px;padding:34px;display:flex}.academyWorkspace h2{color:#fff;margin:8px 0 10px}.academyWorkspace p:not(.eyebrow){color:#c7dbe4;max-width:760px;line-height:1.55}.academyWorkspace .button{white-space:nowrap}.lessonMeta{gap:7px;margin:25px 0 10px;display:flex}.lessonLead{max-width:850px}.lessonLayout{grid-template-columns:1fr 300px;align-items:start;gap:55px;margin-top:50px;display:grid}.lessonBody{border:1px solid var(--line);background:#fff;padding:38px}.lessonBody section+section{border-top:1px solid var(--line);margin-top:30px;padding-top:10px}.lessonBody h2{margin:20px 0 10px;font-size:25px}.lessonBody p{color:var(--slate);font-size:15px;line-height:1.75}.lessonCheck{border-left:4px solid var(--teal);background:#eaf7f7;margin-top:35px;padding:20px}.lessonCheck p{margin-bottom:0;font-size:12px}.lessonAside{border:1px solid var(--line);background:#f1f8f8;flex-direction:column;align-items:flex-start;gap:9px;padding:24px;display:flex;position:sticky;top:20px}.lessonAside .button{text-align:center;width:100%;margin:15px 0 4px}.lessonAside>a:not(.button){color:#08776f;margin-top:4px;font-size:11px;font-weight:700}.lessonNav{border-top:1px solid var(--line);color:#08776f;justify-content:space-between;gap:25px;margin-top:30px;padding:20px 0;font-size:12px;font-weight:700;display:flex}.stepLearn{font-weight:700;color:#08776f!important;margin-top:7px!important;font-size:9px!important;display:inline-block!important}.workspaceStep{cursor:default}.workspaceStep input{cursor:pointer}@media (max-width:850px){.academyCard{grid-template-columns:45px 1fr}.academyWorkspace{display:block}.academyWorkspace .button{margin-top:15px}.lessonLayout{grid-template-columns:1fr}.lessonAside{position:static}.lessonBody{padding:24px}}.businessGrid{grid-template-columns:1.15fr .85fr;align-items:start;gap:48px;margin:34px 0 54px;display:grid}.signupPanel{background:#f7fbfc;border:1px solid #d7e3e8;border-radius:12px;padding:30px}.signupPanel h3{margin-top:0;font-size:24px}.leadCapture{gap:15px;margin-top:22px;display:grid}.leadCapture label{color:#0b2d45;gap:7px;font-size:12px;font-weight:700;display:grid}.leadCapture input,.leadCapture select{color:#0b2d45;width:100%;font:inherit;background:#fff;border:1px solid #cbd9df;border-radius:5px;padding:13px 14px}.leadCapture small{color:#6b7280;line-height:1.45}.formStatus{background:#e7f7f6;border-left:3px solid #0ea5a6;margin:0;padding:10px 12px;font-size:12px}.valueStack{border-top:1px solid #d7e3e8;gap:0;margin-top:34px;display:grid}.valueStack>div{border-bottom:1px solid #d7e3e8;grid-template-columns:50px 1fr;gap:14px;padding:20px 0;display:grid}.valueStack b,.guideSteps b{color:#0ea5a6}.valueStack span{color:#64748b;gap:4px;display:grid}.valueStack strong{color:#0b2d45}.trustRow,.partnerCards{border:1px solid #d7e3e8;grid-template-columns:repeat(3,1fr);gap:0;margin:30px 0;display:grid}.trustRow>div,.partnerCards article{border-right:1px solid #d7e3e8;padding:24px}.trustRow>div:last-child,.partnerCards article:last-child{border-right:0}.trustRow span{color:#64748b;margin-top:6px;font-size:13px;line-height:1.5;display:block}.guideSteps{border-top:1px solid #d7e3e8;margin:28px 0;display:grid}.guideSteps>div{border-bottom:1px solid #d7e3e8;grid-template-columns:52px 1fr;padding:15px 0;display:grid}.methodBox{background:#eaf7f7;border-left:4px solid #0ea5a6;margin:30px 0;padding:24px 28px}.disclosureList{grid-template-columns:1fr 1fr;gap:20px;margin-top:36px;display:grid}.disclosureList section{border:1px solid #d7e3e8;padding:24px}.footerLinks a{color:inherit}.textLink{color:#087f80;margin-top:18px;font-weight:700;text-decoration:none;display:inline-block}@media (max-width:800px){.businessGrid,.disclosureList,.trustRow,.partnerCards{grid-template-columns:1fr}.trustRow>div,.partnerCards article{border-bottom:1px solid #d7e3e8;border-right:0}.trustRow>div:last-child,.partnerCards article:last-child{border-bottom:0}}.bizDash{margin-top:52px}.bizNotice{border-left:4px solid var(--teal);background:#eaf7f7;align-items:flex-start;gap:18px;margin:26px 0;padding:20px 24px;display:flex}.bizNotice b{min-width:160px;color:var(--navy)}.bizNotice span{color:var(--slate);line-height:1.55}.bizNotice.secondary{border:1px solid var(--line);border-left:4px solid var(--teal);background:#fff}.metricGrid{grid-template-columns:repeat(4,1fr);gap:12px;margin:28px 0;display:grid}.metricGrid article{background:var(--navy);color:#fff;border-radius:8px;padding:25px}.metricGrid small{color:#77d6d5;letter-spacing:1.5px;font-weight:700;display:block}.metricGrid strong{margin:15px 0 5px;font-size:36px;display:block}.metricGrid span{color:#c7dbe4;font-size:11px}.dashPanel{border:1px solid var(--line);background:#fff;margin-top:14px;padding:28px}.dashPanel h2,.dashPanel h3{margin:7px 0 18px!important}.dashHeading{justify-content:space-between;align-items:end;gap:20px;display:flex}.dashHeading>span{color:var(--slate);font-size:11px}.funnelGrid{background:var(--line);border:1px solid var(--line);grid-template-columns:repeat(7,1fr);gap:1px;margin-top:25px;display:grid}.funnelGrid div{background:#f8fbfb;min-height:125px;padding:18px 14px}.funnelGrid b{color:var(--teal);font-size:10px;display:block}.funnelGrid strong{color:var(--navy);margin:18px 0 5px;font-size:28px;display:block}.funnelGrid span{color:var(--slate);font-size:10px;line-height:1.35}.dashTwo{grid-template-columns:1fr 1fr;gap:14px;display:grid}.rankRow{border-top:1px solid var(--line);justify-content:space-between;padding:13px 0;font-size:13px;display:flex}.rankRow b{color:var(--teal)}.dashActions{gap:8px;display:flex}.dashActions button{border:1px solid var(--line);background:var(--navy);color:#fff;cursor:pointer;border-radius:5px;padding:9px 12px}.dashActions button.quiet{color:var(--slate);background:#fff}.eventTable{border:1px solid var(--line);margin-top:22px}.eventRow{border-top:1px solid var(--line);grid-template-columns:1fr .8fr 1fr 1.7fr;align-items:start;gap:12px;padding:12px 14px;font-size:11px;display:grid}.eventRow.head{background:var(--navy);color:#fff;border-top:0}.eventRow span{color:var(--slate);overflow-wrap:anywhere}.eventRow strong{color:var(--navy)}@media (max-width:850px){.metricGrid,.dashTwo{grid-template-columns:1fr}.funnelGrid{grid-template-columns:1fr 1fr}.eventRow{grid-template-columns:1fr}.eventRow.head{display:none}.dashHeading,.bizNotice{display:block}.dashActions{margin-top:15px}}.globalCountry{color:#526474;white-space:nowrap;align-items:center;gap:.4rem;font-size:.72rem;font-weight:700;display:flex}.globalCountry select{color:#0b2d45;font:inherit;background:#fff;border:1px solid #cbd8df;border-radius:6px;padding:.45rem .55rem}@media (max-width:1100px){.globalCountry{display:none}}.bizNotice{gap:4px 8px}.bizNotice b{margin-right:4px}