.skip-link{position:fixed;left:1rem;top:-10rem;z-index:2000;background:var(--paper,#fff);color:var(--ink,#142735);padding:1rem;border:2px solid currentColor}
.skip-link:focus{top:1rem}
.privacy-panel{position:relative;margin:1rem auto;width:calc(100% - 2rem);box-sizing:border-box;scroll-margin-top:6rem;background:var(--paper,#fff);color:var(--ink,#142735);border:1px solid var(--line,#cad0d4);padding:1rem;max-width:var(--max,1240px);display:flex;gap:.75rem;flex-wrap:wrap;align-items:center}
.privacy-panel[hidden]{display:none}.privacy-panel p{font-size:16px;line-height:1.5;margin:0;flex:1 1 28rem}.privacy-panel a{font-size:14px}.privacy-settings{font:inherit;color:inherit;text-decoration:underline;background:none;border:0;cursor:pointer;padding:.4rem 0}
.service-practical{padding:2rem 0;border-block:1px solid var(--line,#cad0d4);margin-block:2rem}.service-practical p,.service-practical li{font-size:16px;line-height:1.65}.service-practical h3{font-size:22px;margin-top:1.5rem}
.library-pagination{display:flex;flex-wrap:wrap;gap:.5rem;margin:2rem 0;align-items:center}.library-pagination a,.library-pagination span{padding:.65rem .85rem;min-width:44px;text-align:center;border:1px solid var(--line,#cad0d4);border-radius:8px}.library-pagination [aria-current]{background:var(--ink,#142735);color:var(--paper,#fff)}
.library-topics{display:flex;flex-wrap:wrap;gap:.5rem;margin-block:1.5rem}.library-topics a{padding:.6rem .8rem;background:var(--paper,#fff);border:1px solid var(--line,#cad0d4);border-radius:8px}
.draft-note{background:var(--paper,#fff);border-left:4px solid var(--gold,#ffbf43);padding:1rem;font-size:16px;line-height:1.5}.editorial-blog-article-page .sticky-cta{display:none}
.editorial-article-section a:not(.btn){text-decoration:underline;text-underline-offset:.16em}.editorial-article-meta a{color:inherit;text-decoration:underline}
@media(max-width:600px){.privacy-panel{margin:.75rem auto}.privacy-panel .btn{min-height:44px}.library-pagination a,.library-pagination span{padding:.6rem}.service-practical .btn{white-space:normal}.editorial-table-wrap{max-width:100%;overflow-x:auto}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;animation-duration:.01ms!important;transition-duration:.01ms!important}}

/* Final client journey: quiet surfaces, visible choices, one mobile action. */
.quiz-review,.calculator-handoff{padding:20px;border:1px solid #ccd3d7;border-radius:12px;background:#f6f7f5;margin-bottom:20px}
.quiz-review dl{display:grid;grid-template-columns:minmax(90px,.7fr) minmax(0,1.3fr);gap:9px 16px;margin:16px 0}
.quiz-review dt{color:#53616b;font-size:14px}.quiz-review dd{margin:0;overflow-wrap:anywhere;font-size:16px}
.quiz-review p,.calculator-handoff p{font-size:14px;line-height:1.55;margin:12px 0}
.calculator-handoff h3{margin:0;font-size:20px}.calculator-handoff summary{cursor:pointer;padding:12px 0;min-height:44px}.calculator-handoff pre{white-space:pre-wrap;overflow-wrap:anywhere;font:14px/1.6 Manrope,sans-serif}.calculator-handoff .btn{margin-top:14px}
.editorial-blog-article-page .editorial-article-hero-grid{grid-template-columns:minmax(0,1fr)}
.editorial-blog-article-page .editorial-article-hero-copy{max-width:960px}
.editorial-toc-disclosure > summary{font-size:16px;font-weight:700;cursor:pointer;padding:14px 0;min-height:48px;border-bottom:1px solid #ccd3d7}
.editorial-toc-disclosure .editorial-toc{position:static;padding-top:16px}
.service-practical{margin-top:0}.service-practical > p:first-of-type{max-width:68ch}
.service-practical .service-questions{margin:20px 0}.service-questions summary{cursor:pointer;min-height:44px;padding:10px 0;font-weight:700}
@media(max-width:900px){body.privacy-panel-open .nk-sticky-cta,body.form-field-active .nk-sticky-cta{display:none!important}.editorial-toc-disclosure{margin-bottom:12px}.editorial-blog-article-page .editorial-aside-note{display:none}.quiz-review,.calculator-handoff{padding:16px}.quiz-review dl{grid-template-columns:1fr;gap:4px}.quiz-review dd{margin-bottom:8px}}
.client-dossier{padding:28px;background:#fff;border-top:3px solid #ffbf43;box-shadow:0 14px 40px #1427350a}.client-dossier dl{margin:20px 0}.client-dossier dt{font-size:14px;font-weight:800;margin-top:18px;color:#142735}.client-dossier dd{font-size:16px;line-height:1.55;margin:6px 0 0;color:#53616b}.client-dossier a{display:block;min-height:44px;padding:10px 0;text-decoration:underline;text-underline-offset:4px;color:#142735}

.nk-sticky-cta .phone::before{content:none}.nk-sticky-cta .phone svg{display:block;flex:none}

/* Consent is rendered before paint and occupies document flow. */
.privacy-panel{position:relative;width:min(640px,calc(100% - 32px));margin:8px auto;gap:8px;padding:14px;border-radius:8px;display:none}
html.privacy-choice-pending .privacy-panel:not([hidden]),.privacy-panel.privacy-panel--reopened:not([hidden]){display:flex}
.privacy-panel p{flex:1 1 100%;font-size:14px;line-height:1.4}.privacy-panel .btn,.privacy-settings{min-height:44px}.privacy-panel .btn{flex:1 1 auto}.privacy-panel a{min-height:44px;display:flex;align-items:center}
.nc-home .nc-choice:focus-within{outline:3px solid #ffbf43;outline-offset:3px}
:where(a,button,input,select,textarea,summary):focus-visible{outline:3px solid #385b76;outline-offset:3px}
form :where(input,select,textarea),[data-submit-note]{scroll-margin-bottom:16rem}
@media(max-width:600px){.privacy-panel{margin:8px auto}.nc-home .nc-outputs-grid{grid-template-columns:minmax(0,1fr)}}

/* Text can grow without clipping the page or shrinking the user's font size. */
.brand,.nc-home .brand{min-width:0;flex-shrink:1}
.brand-wordmark,.nc-home .brand-wordmark{min-width:0;max-width:100%;flex-wrap:wrap;white-space:normal}
.footer-grid>*,.nc-home .nc-footer-grid>*{min-width:0;overflow-wrap:anywhere}
.editorial-article-meta time{white-space:normal;overflow-wrap:anywhere}
.finance-form-grid{min-width:0}
.finance-form .btn{max-width:100%;white-space:normal}
@media(max-width:760px){.finance-form-grid,.tools-layout{grid-template-columns:minmax(0,1fr)}}

/* Long labels remain readable when text is enlarged on a narrow viewport. */
.footer-legal,.nc-home .footer-legal{max-width:100%;flex-wrap:wrap;margin-left:0}
.editorial-article-section a,.article-body a{overflow-wrap:anywhere}
.editorial-source-contract a{overflow-wrap:anywhere}
.nc-home .nc-choice{min-width:0;max-width:100%;overflow-wrap:anywhere}
.nc-home .nc-choice>span:last-child{min-width:0}
.nc-home :is(.nc-deliverable-fields dt,.nc-deliverable-fields dd,.nc-deliverable-diagram figcaption,.nc-flow-mobile li,.nc-material-row>*){min-width:0;overflow-wrap:anywhere}

/* Intrinsic word widths must not enlarge narrow tracks at 200% text size. */
.editorial-hub-hero-grid>*,.editorial-intro-grid>*,.editorial-section-heading>*,.editorial-article-layout>*,.materials-route-grid>*,.materials-route-links>*,.compare>*,.compare-list>*,.wide-cta>*{min-width:0}
.page-hero h1,.editorial-page :is(.editorial-hub-hero h1,.editorial-article-hero h1){max-width:100%;overflow-wrap:anywhere}
.materials-route,.materials-route-links,.compare-list,.article-sources,.editorial-related-list strong,.faq summary,.editorial-faq-list summary,.editorial-page .page-faq .faq-item>summary{overflow-wrap:anywhere}
.materials-route .btn,.editorial-hero-actions .btn,.editorial-page .editorial-inline-cta .btn,.wide-cta .btn{min-width:0;max-width:100%;white-space:normal;text-align:center;overflow-wrap:anywhere}
@media(max-width:900px){.editorial-hub-hero-grid,.editorial-intro-grid,.editorial-section-heading,.editorial-article-layout{grid-template-columns:minmax(0,1fr)}}
@media(max-width:760px){.materials-route-grid,.core-decision-artifact .materials-route-grid,.compare,.compare-list,.wide-cta{grid-template-columns:minmax(0,1fr)}}
@media(max-width:760px){.article :is(ul,ol){grid-template-columns:minmax(0,1fr)}.article :is(ul,ol)>li{min-width:0}}
.editorial-route-links,.editorial-route-links a,.editorial-route-links a>span{min-width:0;overflow-wrap:anywhere}
.editorial-overline,.kicker{overflow-wrap:anywhere}
.editorial-material-list strong{min-width:0;overflow-wrap:anywhere}
.editorial-inline-cta>*{min-width:0;max-width:100%}.editorial-inline-cta h2{overflow-wrap:anywhere}
.nk-sticky-cta .primary{padding-block:6px;white-space:normal;overflow-wrap:anywhere}
@media(max-width:700px){.editorial-route-grid{grid-template-columns:minmax(0,1fr)}}

/* Narrow-page text reflow for the reviewed commercial and policy content. */
@media(max-width:700px){
  .article :is(p,li,dd,th,td),.article-body :is(p,li,dd),.page-facts>*,
  .article .hero-actions .btn,.related-list :is(a,strong,span),.related-more summary{min-width:0;overflow-wrap:anywhere}
  .article .hero-actions .btn{max-width:100%;white-space:normal}
  .related-list{min-width:0;grid-template-columns:minmax(0,1fr)}
  .related-more{min-width:0}
}

/* The light consent surface keeps its own contrast inside the dark footer. */
.privacy-panel p,.privacy-panel a,.privacy-panel a:hover{color:#142735}.privacy-panel .btn.ghost{color:#142735;background:#fff;border-color:#53616b;max-width:100%;white-space:normal;overflow-wrap:anywhere}

/* Enlarged labels stay inside quiz steps and desktop navigation wraps within its track. */
.quiz-step b{min-width:0;overflow-wrap:anywhere}.top .navlinks{flex-wrap:wrap}