/* Editorial collection: shared with all researched guides. */
.article-nav{display:flex;flex-wrap:wrap;justify-content:center;gap:8px 24px;padding:12px 5%;border-bottom:1px solid var(--line);font-size:13px;background:var(--cream)}.article-nav a{padding:8px 0;text-decoration:underline;text-underline-offset:4px}.library-heading{background:linear-gradient(90deg,rgba(0,14,53,.94),rgba(0,14,53,.55)),url('/assets/red-rocks.jpg') center/cover;color:#fff;padding-top:85px;padding-bottom:85px}.library-heading .label{color:#a3d4f2}.library-heading h1{font-size:clamp(43px,5.6vw,82px);max-width:900px}.library-heading em{color:#a3d4f2}.library-heading p{max-width:760px}.library-heading .blog-tabs a{padding:9px 0;color:#fff}.featured-guides{background:#eeeae1}.feature-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.feature-cards article{padding:28px;background:var(--ink);color:#fff;display:flex;flex-direction:column;border-top:4px solid #a3d4f2}.feature-cards .eyebrow{color:#a3d4f2;font-size:10px;letter-spacing:1px}.feature-cards h3{font-size:29px;line-height:1.25;margin:15px 0}.feature-cards p{font-size:14px;line-height:1.7}.feature-cards .read-link{margin-top:auto;padding-top:20px;text-decoration:underline;text-underline-offset:4px;font-size:14px}.article-library{padding-top:65px}.library-controls{display:grid;grid-template-columns:2fr 1fr;gap:24px;margin:30px 0 15px}.library-controls label{font-weight:700;font-size:14px}.library-controls input,.library-controls select{width:100%;height:54px;margin:0;padding:12px 15px;border:1px solid #64748b;background:white;color:#0c2749;font-size:16px;border-radius:2px}.category-jumps{display:flex;flex-wrap:wrap;gap:10px;font-size:13px;margin:25px 0 40px}.category-jumps a{border:1px solid #64748b;padding:9px 12px;border-radius:2px}.category-jumps a:hover{background:#0c2749;color:white}.article-group{padding:30px 0 45px;border-top:1px solid #aab4bd;scroll-margin-top:155px}.category-heading{display:flex;justify-content:space-between;gap:25px;align-items:center;margin-bottom:25px}.category-heading h3{font-size:31px;margin:0}.category-heading span{white-space:nowrap;font-size:13px}.article-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 40px}.article-card{padding:22px 0;border-top:1px solid var(--line)}.article-card h4{font:700 18px/1.45 Arial,sans-serif;margin:0 0 10px}.article-card h4 a:hover{text-decoration:underline;text-underline-offset:4px}.article-card p{font-size:14px;line-height:1.75;margin:0;color:#374151}.article-heading{padding:65px 8% 45px;background:#e8edf1}.article-heading h1{font-size:clamp(34px,4.3vw,61px);letter-spacing:-1px;line-height:1.13;max-width:1100px;margin:22px 0}.article-heading .byline{margin-bottom:0}.direct-answer{background:#0c2749;color:white;padding:30px;border-top:4px solid #a3d4f2;margin-bottom:35px}.direct-answer p{margin-bottom:0;font-size:19px;line-height:1.7}.direct-answer .eyebrow{font:700 11px/1.5 Arial,sans-serif;letter-spacing:2px;color:#a3d4f2;margin-bottom:15px}.blog-prose .prose-section{padding:0}.blog-prose .prose-section h2{line-height:1.2}.blog-prose .decision-checklist,.blog-prose .article-faq,.blog-prose .article-sources,.blog-prose .related-reading{padding:0;margin:45px 0}.decision-checklist ol{list-style:none;counter-reset:checks;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:15px}.decision-checklist li{counter-increment:checks;padding:22px;background:#e8edf1;font-size:15px;line-height:1.6;border-bottom:3px solid #0c2749}.decision-checklist li:before{content:counter(checks,decimal-leading-zero);display:block;font:bold 24px/1.3 Arial;color:#0c2749;margin-bottom:10px}.article-faq details{border-top:1px solid #8996a2;padding:18px 0}.article-faq details:last-child{border-bottom:1px solid #8996a2}.article-faq summary{font:700 17px/1.5 Arial,sans-serif;gap:15px}.article-faq details p{font-size:16px;margin:18px 0 0}.article-sources li{font-size:14px;margin-bottom:20px;overflow-wrap:anywhere}.article-sources li p{font-size:13px;margin:5px 0}.article-sources .editor-note{color:#374151}.related-reading ul{font-size:17px}.related-reading li{margin-bottom:16px}.related-reading>p{font-size:14px}.market-snapshot{margin:30px 0;background:#0c2749;color:white;padding:25px}.market-snapshot figcaption{font-size:19px;font-weight:700}.metric-grid{display:grid;grid-template-columns:1fr 1fr;gap:25px;margin:25px 0}.metric-grid strong,.metric-grid span,.metric-grid small{display:block}.metric-grid strong{font-size:30px;color:#a3d4f2}.metric-grid span{font-size:15px}.metric-grid small{font-size:12px}.market-snapshot>p{font-size:12px;line-height:1.7;margin-bottom:0}[hidden]{display:none!important}
@media(max-width:1000px){.feature-cards{grid-template-columns:1fr}.feature-cards h3{max-width:800px}.article-layout{gap:30px;grid-template-columns:180px minmax(0,1fr)}}
@media(max-width:760px){.article-layout{grid-template-columns:1fr}.article-grid,.library-controls{grid-template-columns:1fr}.article-heading{padding:35px 7%}.article-heading h1{font-size:35px}.article-nav{gap:5px 20px;font-size:12px}.article-toc{gap:13px}.decision-checklist ol{grid-template-columns:1fr}.category-heading{align-items:flex-start;gap:15px}.category-heading h3{font-size:28px}.direct-answer{padding:23px}.direct-answer p{font-size:17px}.library-heading{padding:45px 7%}.category-jumps{display:flex}.article-group{scroll-margin-top:125px}}
@media(max-width:380px){.metric-grid{grid-template-columns:1fr}.article-heading h1{font-size:30px}}
.payment-visual{margin:35px 0;padding:25px;background:#e8edf1}.payment-visual figcaption{font-weight:700;font-size:19px}.payment-visual .comparison-wrap{margin:20px 0}.payment-visual caption{font-size:14px}.payment-visual .editor-note{margin:0}
.status-visual{margin:35px 0;padding:25px;background:#e8edf1}.status-visual figcaption{font-size:20px;font-weight:700}.status-visual dl{display:grid;grid-template-columns:1fr 1fr;gap:16px}.status-visual dl>div{background:#fff;padding:20px;border-top:3px solid #0c2749}.status-visual dt{font-size:18px;font-weight:700;margin-bottom:10px}.status-visual dd{margin:0;font-size:15px;line-height:1.6}@media(max-width:550px){.status-visual dl{grid-template-columns:1fr}}
.article-toc{top:195px}.blog-prose h2,.article-group{scroll-margin-top:200px}@media(max-width:760px){.blog-prose h2,.article-group{scroll-margin-top:135px}}