@font-face{font-family:DM Sans Variable;font-style:normal;font-display:swap;font-weight:100 1000;src:url(/assets/dm-sans-latin-ext-wght-normal-BOFOeGcA.woff2) format("woff2-variations");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:DM Sans Variable;font-style:normal;font-display:swap;font-weight:100 1000;src:url(/assets/dm-sans-latin-wght-normal-Xz1IZZA0.woff2) format("woff2-variations");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}:root{font-family:DM Sans Variable,DM Sans,Arial,sans-serif;color:#0a1730;background:#fff;font-synthesis:none;--blue: #1245ff;--ink: #0a1730;--mist: #f4f8ff;--line: #d4deee;--citron: #e9ff69}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;font-size:16px;line-height:1.55}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}a,button,summary{touch-action:manipulation}button{cursor:pointer}a:hover{text-decoration:underline;text-underline-offset:5px}button:disabled{cursor:not-allowed;opacity:.45}a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #8c36d8;outline-offset:4px}h1,h2,h3,h4,p{margin-top:0}h1,h2,h3{line-height:1.06;letter-spacing:-.045em}h1{font-size:clamp(48px,6.1vw,88px);font-weight:760;margin-bottom:23px}h2{font-size:clamp(33px,3.6vw,52px);font-weight:740;margin-bottom:25px}h3{font-size:25px;letter-spacing:-.025em;margin-bottom:13px}h4{font-size:19px;margin-bottom:8px}p{margin-bottom:18px}em{font-style:normal;color:var(--blue)}small,.fine{font-size:12px;line-height:1.6}.fine{color:#41516c;margin:16px 0 0}.fine a{text-decoration:underline}.shell{max-width:1360px;padding:0 56px;margin:auto}.narrow{max-width:930px}.section{padding-top:88px;padding-bottom:88px}.mist{background:var(--mist)}.navy{background:var(--ink);color:#fff}.navy p{color:#d8e4f7}.navy .eyebrow{color:#e6edfa}.eyebrow{font-size:11px;font-weight:650;text-transform:uppercase;letter-spacing:.24em;margin:0 0 22px}.sectionHead{margin-bottom:38px;align-items:center!important}.sectionHead h2{margin-bottom:0}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:start}.lede{font-size:23px;line-height:1.45;max-width:610px;letter-spacing:-.025em}.lede.small{font-size:20px}.button{display:inline-flex;align-items:center;justify-content:center;gap:18px;background:var(--blue);color:#fff;min-height:50px;padding:13px 24px;border:1px solid var(--blue);border-radius:8px;font-size:14px;font-weight:650;white-space:normal;text-align:center;transition:background .16s,transform .16s}.button:hover{background:#0530dc;text-decoration:none;transform:translateY(-1px)}.button.secondary{background:transparent;color:var(--ink);border-color:#9aacdf}.button.secondary:hover{background:#eaf0ff}.actions{display:flex;gap:14px;align-items:center;flex-wrap:wrap;margin:27px 0}.textLink{display:inline-flex;align-items:center;gap:10px;font-weight:650;border-bottom:1px solid currentColor;padding-bottom:4px}.textLink svg{width:19px}.textButton{border:0;background:none;color:var(--blue);font-weight:650;display:inline-flex;gap:12px;align-items:center;min-height:44px;padding:8px 0}.iconButton{border:0;background:transparent;min-width:44px;min-height:44px}.tag{font-size:11px;font-weight:650;display:inline-block;background:#e8efff;padding:5px 10px;border-radius:4px;line-height:1.5}.tag.citron{background:var(--citron);color:var(--ink)}header{background:#fffffff7;border-bottom:1px solid #edf0f7;position:relative;z-index:20}.nav{height:92px;display:flex;align-items:center;gap:40px}.brand{display:flex;gap:10px;align-items:center;width:max-content}.brand:hover{text-decoration:none}.brand img{object-fit:contain;width:43px;height:43px}.brand span{font-size:33px;line-height:.9;letter-spacing:-.06em;font-weight:800}.brand small{display:block;letter-spacing:.39em;font-size:8px;font-weight:650;margin-top:8px}.nav nav{display:flex;gap:28px;margin-left:auto;align-items:center;font-size:13px;font-weight:600}.navCta{margin-left:auto;min-height:44px;font-size:12px;padding:12px 20px}.menu{display:none;background:none;border:0;padding:10px}.skipLink{position:absolute;top:-100px;left:10px;z-index:100;background:#fff;padding:10px;color:var(--ink)}.skipLink:focus{top:10px}.homeHero{background:#f7faff;overflow:hidden}.heroGrid{position:relative;min-height:580px;display:grid;grid-template-columns:1.03fr .97fr;align-items:center;gap:0}.heroCopy{position:relative;z-index:2;padding:44px 0;max-width:680px}.heroCopy h1{font-size:clamp(48px,6.1vw,88px);line-height:1;letter-spacing:-.055em}.heroCopy .lede{font-size:21px;max-width:450px}.heroCopy .eyebrow{font-size:10px;margin-bottom:27px}.heroVisual{height:580px;width:calc(100% + 60px);max-width:none;object-fit:cover;object-position:center}.targets{background:var(--blue);color:#fff;padding:40px 0 32px}.targetGrid{display:grid;grid-template-columns:repeat(3,1fr);gap:45px}.targetGrid>div{border-left:1px solid #8aa4ff;padding-left:45px}.targetGrid>div:first-child{border:0;padding:0}.targetGrid strong{font-size:clamp(80px,9vw,128px);line-height:.95;letter-spacing:-.06em;display:block;font-weight:700;margin-bottom:10px}.targetGrid span{font-size:23px;line-height:1.15;font-weight:600;letter-spacing:-.025em}.targets .fine{color:#fff;font-size:11px;max-width:1000px;margin-top:30px}.search{display:flex;border:1px solid #92acff;border-radius:40px;padding:5px 15px;align-items:center;gap:12px;min-height:54px}.search input{border:0;background:transparent;padding:8px 0;min-width:0;width:100%;font-size:13px;outline-offset:0}.search button{border:0;background:none;min-height:40px;color:var(--blue)}.sectorRows{margin-top:45px}.sectorRow{display:grid;grid-template-columns:66px 1fr 1fr;gap:20px;align-items:center;padding:28px 24px;border-bottom:1px solid var(--line)}.sectorRow:first-child{background:#e4f1ff;border-radius:9px;border:0}.sectorRow:hover{text-decoration:none;background:#edf3ff}.sectorRow h3{font-size:29px;display:flex;gap:20px;align-items:center;margin-bottom:7px}.sectorRow p{margin:0;font-size:14px}.sectorRow>div:last-child{padding-left:40px;border-left:1px solid #b5c5df}.sectorRow .eyebrow{display:block;font-size:9px;margin:0 0 8px}.benefits{padding:0;list-style:none;margin:30px 0}.benefits li{display:flex;gap:18px;margin:0 0 22px}.benefits svg{color:var(--blue);flex-shrink:0}.benefits strong{font-size:16px}.benefits p{margin:4px 0 0;font-size:14px;max-width:420px}.progressPanel{border:1px solid #d5e0f1;border-radius:10px;padding:30px;background:#fff;box-shadow:0 10px 30px #18285808;margin-top:15px}.progressPanel>.eyebrow{font-size:9px;display:block;letter-spacing:.22em}.progressPanel h3{font-size:21px;line-height:1.3}.progressPanel>p{font-size:13px}.progressSteps{display:flex;justify-content:space-between;position:relative;margin:32px 0}.progressSteps:before{content:"";position:absolute;left:15%;right:15%;top:24px;border-top:1px solid #a2b4e6}.progressSteps>div{position:relative;text-align:center;flex:1}.progressSteps span{width:47px;height:47px;display:flex;align-items:center;justify-content:center;border:1px solid #b7caff;background:#edf4ff;color:var(--ink);border-radius:50%;margin:0 auto 18px}.progressSteps span.complete{background:var(--blue);color:#fff;border-color:var(--blue)}.progressSteps strong,.progressSteps small{display:block;font-size:12px}.milestone{display:flex;gap:16px;align-items:center;background:#eef5ff;padding:20px;border-radius:7px}.milestone small,.milestone strong{display:block}.milestone p{font-size:12px;margin:5px 0 0}.milestone svg{color:var(--blue);flex-shrink:0}.progressPanel .fine{font-size:11px}.journey{display:grid;grid-template-columns:repeat(4,1fr);gap:35px;margin-top:45px}.journey span{display:flex;align-items:center;justify-content:center;background:var(--blue);border-radius:50%;height:52px;width:52px;font-size:15px;margin-bottom:20px}.journey h3{font-size:21px;letter-spacing:-.02em}.journey p{font-size:14px;line-height:1.6}.featureGrid,.standardGrid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.featureGrid{margin-top:32px}.resourceCard{background:var(--mist);border-top:3px solid var(--blue);padding:30px;display:flex;flex-direction:column;align-items:flex-start;gap:0;transition:background .2s}.resourceCard:hover{text-decoration:none;background:#eaf0ff}.resourceCard>svg{color:var(--blue);margin-bottom:25px}.resourceCard .tag{margin-bottom:24px}.resourceCard h3,.resourceCard h2{font-size:27px;line-height:1.13}.resourceCard p{font-size:14px;color:#344762}.resourceCard .textLink{font-size:12px;margin-top:auto}.faq details{border-bottom:1px solid #b8c6dd;padding:18px 0}.faq summary{font-weight:600;font-size:16px;display:flex;justify-content:space-between;gap:20px;cursor:pointer;list-style:none;min-height:28px}.faq summary::-webkit-details-marker{display:none}.faq summary span{color:var(--blue);font-size:24px;font-weight:400}.faq details[open] summary span{transform:rotate(45deg)}.faq p{font-size:15px;line-height:1.75;margin:18px 0 0;color:#334561}.cta{background:#eff5ff;padding:55px 0}.cta .split{align-items:center}.cta h2{margin:0;font-size:clamp(33px,3.9vw,56px)}.cta p{font-size:16px;max-width:440px}.cta .button{margin-top:4px}footer{background:var(--ink);color:#fff;padding:55px 0 20px}.footerGrid{display:grid;grid-template-columns:1fr 1fr 1fr 1fr;gap:45px}.footerGrid>div{display:flex;flex-direction:column;gap:9px;font-size:12px}.footerGrid strong{margin-bottom:6px;font-size:12px}.footerGrid a{color:#d6e2fa;font-size:12px}.footerGrid .brand{color:#fff}.footerGrid .brand img{filter:brightness(0) invert(1)}.footBottom{margin-top:45px;border-top:1px solid #36425b;padding-top:24px;font-size:11px;color:#b9c8e0;display:flex;flex-wrap:wrap;gap:20px;justify-content:space-between}.footBottom div{display:flex;gap:20px}.footBottom p{width:100%;margin:0;font-size:10px}.pageHero{background:var(--mist);position:relative;overflow:hidden;padding:0 0 65px}.pageHero .shell{position:relative;z-index:2}.breadcrumbs{display:flex;gap:12px;font-size:11px;padding:20px 0 45px;color:#41516c}.pageHero h1{font-size:clamp(43px,5.6vw,78px);max-width:990px;line-height:1.03}.pageHero.hasArt h1{max-width:850px}.pageHero .lede{font-size:21px;max-width:700px}.hasArt .lede{max-width:630px}.pageArt{position:absolute;right:-40px;top:10px;width:470px;height:450px;object-fit:cover;opacity:.11;pointer-events:none}.scope{display:inline-block;font-size:12px;line-height:1.5;border-left:3px solid var(--blue);padding:5px 12px;margin-top:12px;max-width:670px}.metaLine{display:flex;flex-wrap:wrap;gap:20px;font-size:12px;font-weight:650;margin-top:30px}.metaLine span+span{border-left:1px solid #b2c1dd;padding-left:20px}.filterBar{display:grid;grid-template-columns:2fr 1fr 1.4fr;gap:20px;margin-bottom:25px}label{font-size:13px;font-weight:650;display:block;margin-bottom:20px}input:not([type=checkbox]),select,textarea{display:block;width:100%;padding:13px 15px;border:1px solid #adbdd6;border-radius:6px;color:var(--ink);background:#fff;min-height:48px;margin-top:8px;font-size:14px}textarea{resize:vertical;line-height:1.5}.standardCard{padding:28px;border:1px solid var(--line);display:flex;flex-direction:column;border-radius:9px;transition:border-color .2s,background .2s}.standardCard:hover{text-decoration:none;border-color:var(--blue);background:#f8faff}.standardCard .cardTop{display:flex;justify-content:space-between;align-items:center;margin-bottom:25px;font-size:11px;color:#405373}.standardCard>svg{color:var(--blue);margin-bottom:23px}.standardCard h3{font-size:27px;line-height:1.15}.standardCard p{font-size:14px;line-height:1.6;color:#344762}.cardFoot{display:flex;align-items:center;justify-content:space-between;border-top:1px solid #d5dfee;padding-top:16px;font-size:11px;margin-top:auto;color:var(--blue);font-weight:650;gap:15px}.note{padding:26px 30px;background:#edf3ff;border-left:3px solid var(--blue);margin:40px 0}.note h2{font-size:27px;line-height:1.2}.note h3{font-size:23px}.note p{font-size:15px;line-height:1.65}.note p:last-child{margin-bottom:0}.note a{text-decoration:underline;font-size:14px}.empty{padding:50px;background:var(--mist)}.articleLayout{display:grid;grid-template-columns:minmax(0,780px) minmax(240px,340px);gap:75px;align-items:start}.articleLayout article>h2,.articleSection h2{font-size:34px;line-height:1.15;margin-top:50px;margin-bottom:20px}.articleLayout article>.note:first-child{margin-top:0}.articleLayout article p,.articleLayout article li{font-size:16px;line-height:1.85}.articleLayout article li{margin-bottom:16px}.articleLayout article ul,.articleLayout article ol{padding-left:23px}.checkList{padding-left:22px}.checkList li{margin-bottom:15px;padding-left:7px}.checkList li::marker{color:var(--blue)}.numbered li{padding-left:10px}.sidePanel{position:sticky;top:30px;padding:30px;background:var(--mist);border-top:3px solid var(--blue)}.sidePanel h3{font-size:28px;line-height:1.15}.sidePanel p{font-size:14px;line-height:1.7}.sidePanel .button{width:100%;margin:15px 0}.sidePanel>a:not(.button){display:block;border-bottom:1px solid var(--line);padding:14px 0;font-size:13px}.sidePanel .fine{font-size:11px}.sidePanel>svg{color:var(--blue);margin-bottom:20px}.practiceSection{padding:35px;background:var(--mist);margin:50px 0}.practiceSection h2{font-size:36px;margin:20px 0}.practiceQuestion{border-top:1px solid var(--line);padding-top:24px;margin-top:26px}.practiceQuestion h3{font-size:20px;line-height:1.45;letter-spacing:-.02em}.practiceQuestion summary{font-weight:600;color:var(--blue);font-size:14px;cursor:pointer;min-height:44px}.practiceQuestion details p{font-size:14px!important}.sources{border-top:1px solid var(--line);margin-top:45px;padding-top:28px}.sources h3{font-size:22px}.sources a{display:block;font-size:13px;color:var(--blue);text-decoration:underline;margin:12px 0;overflow-wrap:anywhere}.sources p{font-size:13px!important;color:#40516c}.articleSection{margin-bottom:40px}.articleSection:first-child h2{margin-top:0}.resourceSearch{min-width:320px}.editorialGrid{display:grid;grid-template-columns:1fr 1fr;gap:55px 65px}.editorialGrid h2{font-size:34px;line-height:1.2}.editorialGrid h3{font-size:28px}.editorialGrid p{font-size:17px;line-height:1.8}.chapter{font-size:13px;color:var(--blue);border-bottom:1px solid var(--line);display:block;padding-bottom:15px;margin-bottom:22px}.toolArea{padding:40px;background:var(--mist);border:1px solid var(--line);border-radius:10px}.toolArea h2{font-size:35px;line-height:1.12}.toolArea p{font-size:15px;line-height:1.75}.toolGrid{display:grid;grid-template-columns:1fr 1fr;gap:45px;align-items:start}.toolPrivacy{margin:25px 0}.toolArea .fine{font-size:12px}.resultPanel{background:var(--ink);color:#fff;border-radius:8px;padding:32px}.resultPanel h3{font-size:26px;margin-top:28px;line-height:1.2}.resultPanel .tag{color:var(--ink);background:var(--citron)}.resultPanel p,.resultPanel .fine{color:#d5def3}.resultPanel .button.secondary{color:#fff;border-color:#8599c7}.resultPanel .button.secondary:hover{background:#1d345b}.resultRow{padding:20px 0;border-bottom:1px solid #42506b}.resultRow span,.resultRow strong{display:block}.resultRow span{font-size:12px;margin-bottom:6px;color:#b9c8e0}.resultRow strong{font-size:24px;font-weight:650;letter-spacing:-.025em}.resultPanel p{font-size:13px;margin-top:22px}.checkbox{display:flex;gap:15px;padding:18px 0;border-bottom:1px solid var(--line);cursor:pointer;margin:0}.checkbox input{width:23px;height:23px;accent-color:var(--blue);flex-shrink:0;margin:2px 0}.checkbox strong{font-size:15px;display:block}.checkbox small{display:block;color:#41516c;font-weight:400;margin-top:5px;line-height:1.65}.bigNumber{font-size:90px;line-height:1.1;letter-spacing:-.05em}.bigNumber small{font-size:30px;color:#c3d0ed}.resultPanel li{font-size:14px;margin:13px 0}.tableScroll{overflow-x:auto;margin:30px 0}table{border-collapse:collapse;width:100%;min-width:760px;text-align:left}th{font-size:12px;font-weight:650;padding:10px}td{padding:8px}td input{min-width:130px}table td:last-child,table th:last-child{width:55px}.formGrid{display:grid;grid-template-columns:1fr 1fr;gap:0 22px}.practiceCard{padding:30px;background:#fff;border:1px solid var(--line)}.practiceCard h3{font-size:25px;line-height:1.35}.practiceCard .note{margin:25px 0}.practiceCard .note p{font-size:14px}.cost{font-size:55px;letter-spacing:-.04em;display:block;margin:25px 0}.contactGrid{gap:90px}.contactForm{padding:35px;border:1px solid var(--line);background:var(--mist);border-radius:10px}.contactGrid .note{margin-top:28px}.contactGrid .note p{font-size:14px;margin-top:10px}.success{display:flex;gap:12px;background:#e7efff;padding:20px;margin-top:25px}.success svg{flex-shrink:0;color:var(--blue)}.success p{font-size:13px;margin:7px 0 0}.srOnly{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.pageHeroGrid{display:grid;gap:70px;align-items:center}.hasDiagram .pageHeroGrid{grid-template-columns:minmax(0,1.25fr) minmax(300px,.75fr)}.pageHero.hasDiagram h1{max-width:820px}.flowDiagram{margin:70px 0 0;border:1px solid #afbfda;background:#ffffffbd;min-width:0}.flowDiagram figcaption{padding:24px 26px;border-bottom:1px solid var(--line)}.flowDiagram figcaption span,.flowDiagram figcaption strong,.flowDiagram figcaption small{display:block}.flowDiagram figcaption span{color:var(--blue);font-size:11px;font-weight:700;letter-spacing:.16em;text-transform:uppercase}.flowDiagram figcaption strong{margin-top:9px;font-size:22px;line-height:1.2;letter-spacing:-.025em}.flowDiagram figcaption small{margin-top:8px;color:#40516c}.flowDiagram ol{list-style:none;padding:0;margin:0}.flowDiagram li{display:grid;grid-template-columns:42px 1fr;gap:15px;align-items:start;padding:20px 26px;border-bottom:1px solid var(--line)}.flowDiagram li:last-child{border-bottom:0}.flowNote{margin:0;padding:16px 26px;border-top:1px solid var(--line);color:#40516c;font-size:11px;line-height:1.55}.flowDiagram li>span{color:var(--blue);font-size:12px;font-weight:700}.flowDiagram li strong,.flowDiagram li small{display:block}.flowDiagram li strong{font-size:15px}.flowDiagram li small{color:#40516c;font-size:12px;margin-top:4px}.toolIndex{border-top:1px solid var(--line)}.toolIndex a{display:grid;grid-template-columns:45px 42px minmax(190px,.8fr) minmax(260px,1.4fr) 30px;gap:22px;align-items:center;border-bottom:1px solid var(--line);padding:23px 8px}.toolIndex a:hover{color:var(--blue);text-decoration:none}.toolIndex a>span,.toolIndex a>small{color:#40516c}.toolIndex a>strong{font-size:20px}.toolMatrix{position:relative;overflow-x:auto;border-top:1px solid var(--ink)}.toolMatrix:focus-visible{outline:3px solid var(--blue);outline-offset:4px}.toolMatrix table{min-width:900px}.toolMatrix th,.toolMatrix td{padding:20px 16px;border-bottom:1px solid var(--line);vertical-align:top;line-height:1.55}.toolMatrix tbody th{min-width:210px;color:var(--blue);font-size:15px}.toolMatrix tbody th svg{vertical-align:middle;margin-right:8px}.toolMatrix td{font-size:14px}.toolMatrix td:last-child a{display:inline-flex;align-items:center;gap:6px;color:var(--blue);font-weight:700}.toolJump{display:flex;flex-wrap:wrap;gap:10px 25px;margin-bottom:26px;padding-bottom:18px;border-bottom:1px solid var(--line)}.toolJump a{color:var(--blue);font-size:13px;font-weight:700}.toolGuide{max-width:900px;margin:80px auto 55px}.toolGuide>section{border-top:1px solid var(--line);padding:58px 0 20px}.toolGuide h2{font-size:clamp(34px,4vw,52px)}.workedExample,.guideExample{background:var(--mist);border-left:3px solid var(--blue);padding:34px}.workedExample dl{margin:0}.workedExample dl>div{display:grid;grid-template-columns:110px 1fr;gap:24px;padding:20px 0;border-top:1px solid var(--line)}.workedExample dt{color:var(--blue);font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase}.workedExample dd{margin:0;line-height:1.7}.linkList{display:grid;border-top:1px solid var(--line)}.linkList a{display:flex;justify-content:space-between;align-items:center;gap:15px;padding:18px 4px;border-bottom:1px solid var(--line);color:var(--blue);font-weight:700}.providerGuide{margin:60px 0;padding:42px;border:1px solid var(--line)}.providerGuide>h2{margin-top:18px}.providerGuideGrid,.merituraTerms,.decisionPanel{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}.providerGuideGrid{margin-top:38px}.providerGuideGrid h3{font-size:22px}.providerGuide .guideExample{margin-top:35px}.numbered.compact li{margin-bottom:12px}.assessmentContext{margin:30px 0;padding:26px;background:var(--mist);border-top:3px solid var(--blue)}.assessmentContext h3{font-size:22px}.assessmentContext a{color:var(--blue);font-weight:700}.editorialPolicy{border-top:1px solid var(--line)}.editorialPolicy p{max-width:850px;font-size:17px;line-height:1.8}.productProof{margin:0;border:1px solid var(--line);background:#fff}.productProof img{display:block;width:100%;height:auto}.productProof figcaption{padding:15px 18px;color:#40516c;font-size:12px;line-height:1.55}.merituraTerms{margin-top:48px;padding-top:38px;border-top:1px solid var(--line)}.merituraTerms h3{font-size:24px}.sourceLinks{max-width:760px}.feeExample{margin:55px 0 35px}.formula{font-size:clamp(24px,3vw,40px);font-weight:750;letter-spacing:-.035em;line-height:1.25}@media(min-width:1600px){.heroVisual{width:calc(100% + 120px)}}@media(max-width:1100px){.shell{padding-left:35px;padding-right:35px}.nav{gap:22px}.nav nav{gap:17px;font-size:12px}.heroGrid{min-height:520px}.heroVisual{height:520px}.heroCopy h1{font-size:67px}.split{gap:40px}.articleLayout{gap:38px;grid-template-columns:minmax(0,1fr) 275px}.resourceCard{padding:24px}.standardCard{padding:23px}.standardGrid{gap:18px}.pageHero.hasArt h1{max-width:720px}.contactGrid{gap:40px}}@media(max-width:800px){.shell{padding-left:24px;padding-right:24px}.section{padding-top:60px;padding-bottom:60px}.nav{height:77px;gap:15px}.brand span{font-size:29px}.brand img{width:36px;height:36px}.navCta{font-size:11px;padding:10px 13px;min-height:42px}.menu{display:block}.nav nav{display:none}.nav nav.open{display:flex;position:absolute;top:77px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:20px 25px;align-items:stretch;flex-direction:column;gap:0;font-size:16px}.nav nav.open a{padding:15px 0}.heroGrid{grid-template-columns:1fr 1fr;min-height:470px}.heroCopy h1{font-size:55px}.heroCopy .lede{font-size:18px}.heroCopy .eyebrow{font-size:9px}.heroVisual{height:470px;width:calc(100% + 70px)}.heroCopy .actions{gap:10px}.heroCopy .button{padding:11px 17px;font-size:12px;min-height:46px}.split{gap:30px}.targetGrid{gap:22px}.targetGrid>div{padding-left:22px}.targetGrid strong{font-size:90px}.targetGrid span{font-size:20px}.featureGrid,.standardGrid{grid-template-columns:repeat(2,1fr)}.featureGrid .resourceCard:last-child{grid-column:1/-1}.sectorRow{grid-template-columns:50px 1fr;padding:24px 16px}.sectorRow>div:last-child{grid-column:2;border:0;padding:0}.sectorRow h3{font-size:26px}.progressPanel{padding:22px}.progressPanel h3{font-size:18px}.progressSteps strong,.progressSteps small{font-size:10px}.journey{grid-template-columns:repeat(2,1fr);gap:30px}.footerGrid{gap:28px;grid-template-columns:1fr 1fr}.footerGrid .brand{margin-bottom:20px}.pageHero h1{font-size:56px}.pageHero .lede{font-size:20px}.pageArt{width:350px;right:-90px;top:80px}.articleLayout{grid-template-columns:1fr;gap:40px}.sidePanel{position:static;max-width:550px}.editorialGrid{gap:35px}.editorialGrid h2{font-size:29px}.editorialGrid p{font-size:16px}.filterBar{grid-template-columns:2fr 1fr}.filterBar label:first-child{grid-column:1/-1}.toolArea{padding:25px}.toolGrid{gap:25px}.resultPanel{padding:24px}.resultRow strong{font-size:20px}.resultPanel h3{font-size:23px}.resourceSearch{min-width:240px}.contactGrid{grid-template-columns:1fr}.contactForm{max-width:650px}.hasArt .lede{max-width:560px}}@media(max-width:580px){body{font-size:15px}.shell{padding-left:22px;padding-right:22px}.nav{padding-left:17px;padding-right:10px;gap:10px}.navCta{margin-left:auto;padding:9px 12px;max-width:140px;gap:7px;font-size:10px}.navCta svg{width:14px}.brand{gap:5px}.brand span{font-size:27px}.brand small{font-size:6px}.brand img{width:32px;height:32px}.menu{padding:8px}.heroGrid{display:flex;flex-direction:column;align-items:stretch;min-height:0}.heroCopy{padding:52px 0 0;max-width:100%}.heroCopy h1{font-size:clamp(44px,11.5vw,65px);line-height:1.02}.heroCopy .eyebrow{font-size:8px;margin-bottom:22px;letter-spacing:.19em}.heroCopy .lede{font-size:19px;max-width:340px}.heroCopy .actions{margin:25px 0 12px;gap:10px}.heroCopy .button{font-size:12px;padding:12px 17px;min-height:48px}.heroVisual{height:330px;object-fit:cover;width:100%;margin:0 auto;object-position:50% 55%}.heroCopy .fine{font-size:10px}.targets{padding:35px 0}.targets .eyebrow{font-size:9px;margin-bottom:25px}.targetGrid{gap:15px}.targetGrid>div{padding-left:15px}.targetGrid strong{font-size:68px}.targetGrid span{font-size:15px;line-height:1.2}.targets .fine{font-size:9px;margin-top:25px}.section{padding-top:52px;padding-bottom:52px}.split{grid-template-columns:1fr;gap:30px}.sectionHead{gap:25px}.sectionHead h2{font-size:37px}.eyebrow{font-size:9px;margin-bottom:18px}.search{width:100%}.sectorRows{margin-top:30px}.sectorRow{padding:23px 13px;gap:17px;grid-template-columns:37px 1fr}.sectorRow>svg{width:33px}.sectorRow h3{font-size:23px;gap:10px}.sectorRow p{font-size:12px}.sectorRow .eyebrow{font-size:8px;letter-spacing:.16em}.sectorRow>div:last-child{margin-top:-3px}.featureGrid,.standardGrid{grid-template-columns:1fr;gap:20px}.resourceCard{padding:28px}.resourceCard h2,.resourceCard h3{font-size:29px}.resourceCard .tag{margin-bottom:20px}.progressPanel{padding:24px;margin-top:4px}.progressPanel h3{font-size:20px}.progressSteps strong,.progressSteps small{font-size:11px}.milestone{padding:16px}.journey{gap:26px 20px}.journey h3{font-size:19px;line-height:1.2}.journey p{font-size:13px}.journey span{width:44px;height:44px;font-size:12px}.navy h2{font-size:36px}.cta{padding:42px 0}.cta h2{font-size:37px}.cta p{font-size:15px}.footerGrid{grid-template-columns:1fr 1fr;gap:32px 20px}.footerGrid>.brand{grid-column:1/-1}.footerGrid>div{font-size:11px}.footerGrid strong,.footerGrid a{font-size:11px}.footBottom{margin-top:35px;gap:15px;font-size:10px}.footBottom div{flex-wrap:wrap;gap:17px}.footBottom p{font-size:9px}.pageHero{padding-bottom:40px}.breadcrumbs{font-size:10px;padding-top:18px;padding-bottom:32px;flex-wrap:wrap}.pageHero h1{font-size:45px;overflow-wrap:break-word}.pageHero .lede{font-size:18px}.pageArt{width:300px;height:300px;opacity:.06;right:-110px;top:80px}.scope{font-size:10px;margin-top:6px}.pageHero .actions{margin-bottom:15px}.pageHero .actions .textLink{font-size:12px}.metaLine{gap:13px;font-size:10px}.metaLine span+span{padding-left:13px}.filterBar{grid-template-columns:1fr 1fr;gap:0 15px}.filterBar label{font-size:12px}.filterBar label:last-child{grid-column:auto}.filterBar select{padding:11px;font-size:12px}.standardCard{padding:26px}.standardCard h3{font-size:28px}.standardCard p{font-size:14px}.note{padding:23px;margin:30px 0}.note h2{font-size:26px}.note h3{font-size:22px}.note p{font-size:14px}.articleLayout article>h2,.articleSection h2{font-size:29px;line-height:1.2}.articleLayout article p,.articleLayout article li{font-size:15px;line-height:1.85}.practiceSection{padding:24px;margin:35px 0}.practiceSection h2{font-size:30px}.practiceQuestion h3{font-size:19px}.practiceQuestion summary{font-size:13px}.editorialGrid{grid-template-columns:1fr;gap:35px}.editorialGrid h2{font-size:29px}.toolArea{padding:24px 18px}.toolGrid{grid-template-columns:1fr;gap:28px}.toolArea h2{font-size:30px}.toolArea p{font-size:14px}.toolArea .formGrid{grid-template-columns:1fr}.resultPanel{padding:26px}.resultRow strong{font-size:24px}.toolArea .actions{align-items:stretch}.toolArea .actions .button{width:100%}.practiceCard{padding:22px}.practiceCard h3{font-size:23px}.contactForm{padding:24px 19px}.formGrid{grid-template-columns:1fr}.faq summary{font-size:15px}.faq p{font-size:14px}.resourceSearch{min-width:0;width:100%}.cost{font-size:47px}.bigNumber{font-size:80px}.resultPanel .button{padding-left:16px;padding-right:16px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}@media print{header,footer,.cta,.sidePanel,.pageArt,.menu,.actions,.breadcrumbs{display:none!important}.shell{padding:0;max-width:none}.section{padding:20px 0}.articleLayout,.split,.toolGrid{display:block}.pageHero{padding:20px 0;background:#fff}.pageHero h1{font-size:32px}.note,.practiceSection{break-inside:avoid}a{color:#111;text-decoration:underline}details{display:block}details>*{display:block}.resourceCard,.standardCard{break-inside:avoid}.toolArea{border:0;padding:0}}@media(min-width:1101px){h2{font-size:58px}.nav .brand span{font-size:38px}.nav .brand img{width:49px;height:49px}.heroGrid{min-height:640px}.heroVisual{height:640px}.heroCopy .lede{font-size:24px;max-width:510px}.targetGrid strong{font-size:156px}.targetGrid span{font-size:26px}.sectorRow h3{font-size:36px}.sectorRow p{font-size:16px}.sectorRow{padding-top:32px;padding-bottom:32px}}@media(min-width:1101px){.benefits li{gap:22px;margin-bottom:25px}.benefits svg{width:38px;height:38px}.benefits strong{font-size:19px}.benefits p{font-size:16px}.progressPanel{padding:36px}.progressPanel h3{font-size:24px}.progressPanel>p{font-size:15px}.progressSteps span{width:58px;height:58px}.progressSteps:before{top:29px}.progressSteps strong{font-size:14px}.progressSteps small{font-size:13px}.milestone p{font-size:14px}.journey span{height:58px;width:58px}.journey h3{font-size:24px}.journey p{font-size:17px}}.enquiryTrap{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}button:disabled{cursor:default;opacity:.75}.deliveryTrust{margin-top:30px;padding:24px;background:#fff;color:#0a1730;border-radius:6px}.deliveryTrust p{font-size:14px;line-height:1.6;max-width:900px}.deliveryMarks{display:flex;flex-wrap:wrap;gap:24px 40px;align-items:center}.deliveryMarks>div{display:flex;align-items:center;gap:16px;flex:1 1 250px}.deliveryMarks img{width:auto;max-width:130px;height:110px;object-fit:contain}.deliveryMarks span{font-size:13px;line-height:1.6}.contactFields{border:0;padding:0;margin:0;min-width:0}@media(max-width:800px){body{font-size:16px}.hasDiagram .pageHeroGrid,.pageHeroGrid,.providerGuideGrid,.merituraTerms,.decisionPanel{grid-template-columns:1fr}.pageHeroGrid{gap:12px}.flowDiagram{margin-top:12px}.toolIndex a{grid-template-columns:34px 34px minmax(0,1fr) 25px;gap:14px}.toolIndex a>small{grid-column:3 / -1}.providerGuide{padding:30px}.workedExample dl>div{grid-template-columns:1fr;gap:8px}.productProof{margin-top:10px}}@media(max-width:580px){.flowDiagram figcaption,.flowDiagram li{padding-left:19px;padding-right:19px}.flowDiagram li{grid-template-columns:30px 1fr}.toolIndex a{grid-template-columns:30px minmax(0,1fr) 24px}.toolIndex a>svg:first-of-type{display:none}.toolIndex a>strong{font-size:17px}.toolIndex a>small{grid-column:2 / -1}.providerGuide,.workedExample,.guideExample{padding:24px 20px}.toolGuide{margin-top:60px}.toolGuide>section{padding-top:45px}.formula{overflow-wrap:anywhere}}.standardToolLinks{margin:44px 0;border-top:1px solid var(--line);padding-top:36px}.standardToolList>div{padding:22px 0;border-bottom:1px solid var(--line)}.standardToolList h3{font-size:23px;line-height:1.25}.standardToolList h3 a{color:var(--blue)}.standardToolList h3 svg{vertical-align:middle}.standardToolList p{margin-bottom:0}.brand{display:block;flex-shrink:0;line-height:0}.brand picture{display:block}.nav .brand .brandLockup{display:block;width:184px;height:auto;object-fit:contain}.footerGrid .brand .brandLockup{width:208px;height:auto;filter:none}@media(max-width:800px){.nav .brand .brandLockup{width:176px}}@media(max-width:360px){.nav{gap:6px}.nav .brand .brandLockup{width:140px}.navCta{padding-left:8px;padding-right:8px;font-size:9px;gap:5px}}