@font-face{font-family:Libre Baskerville;font-style:normal;font-weight:400;font-display:swap;src:url(/_next/static/media/645c88064de6876a-s.woff2?dpl=dpl_DnsiiSK5g2pDYGHWcL9XxmVnir22) format("woff2");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:Libre Baskerville;font-style:normal;font-weight:400;font-display:swap;src:url(/_next/static/media/cccb76cee38030ea-s.p.woff2?dpl=dpl_DnsiiSK5g2pDYGHWcL9XxmVnir22) format("woff2");unicode-range:u+00??,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}@font-face{font-family:Libre Baskerville;font-style:normal;font-weight:700;font-display:swap;src:url(/_next/static/media/645c88064de6876a-s.woff2?dpl=dpl_DnsiiSK5g2pDYGHWcL9XxmVnir22) format("woff2");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:Libre Baskerville;font-style:normal;font-weight:700;font-display:swap;src:url(/_next/static/media/cccb76cee38030ea-s.p.woff2?dpl=dpl_DnsiiSK5g2pDYGHWcL9XxmVnir22) format("woff2");unicode-range:u+00??,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}@font-face{font-family:Libre Baskerville Fallback;src:local("Times New Roman");ascent-override:76.22%;descent-override:21.22%;line-gap-override:0.00%;size-adjust:127.26%}.__className_85303b{font-family:Libre Baskerville,Libre Baskerville Fallback;font-style:normal}.__variable_85303b{--font-serif:"Libre Baskerville","Libre Baskerville Fallback"}@font-face{font-family:Source Sans\ 3;font-style:normal;font-weight:200 900;font-display:swap;src:url(/_next/static/media/88da59c891d37117-s.woff2?dpl=dpl_DnsiiSK5g2pDYGHWcL9XxmVnir22) format("woff2");unicode-range:u+0460-052f,u+1c80-1c8a,u+20b4,u+2de0-2dff,u+a640-a69f,u+fe2e-fe2f}@font-face{font-family:Source Sans\ 3;font-style:normal;font-weight:200 900;font-display:swap;src:url(/_next/static/media/1e377d93cbdd6b44-s.woff2?dpl=dpl_DnsiiSK5g2pDYGHWcL9XxmVnir22) format("woff2");unicode-range:u+0301,u+0400-045f,u+0490-0491,u+04b0-04b1,u+2116}@font-face{font-family:Source Sans\ 3;font-style:normal;font-weight:200 900;font-display:swap;src:url(/_next/static/media/36d711d427a06e51-s.woff2?dpl=dpl_DnsiiSK5g2pDYGHWcL9XxmVnir22) format("woff2");unicode-range:u+1f??}@font-face{font-family:Source Sans\ 3;font-style:normal;font-weight:200 900;font-display:swap;src:url(/_next/static/media/f1f7cdf240180e28-s.woff2?dpl=dpl_DnsiiSK5g2pDYGHWcL9XxmVnir22) format("woff2");unicode-range:u+0370-0377,u+037a-037f,u+0384-038a,u+038c,u+038e-03a1,u+03a3-03ff}@font-face{font-family:Source Sans\ 3;font-style:normal;font-weight:200 900;font-display:swap;src:url(/_next/static/media/55fbdf033607a0e1-s.woff2?dpl=dpl_DnsiiSK5g2pDYGHWcL9XxmVnir22) format("woff2");unicode-range:u+0102-0103,u+0110-0111,u+0128-0129,u+0168-0169,u+01a0-01a1,u+01af-01b0,u+0300-0301,u+0303-0304,u+0308-0309,u+0323,u+0329,u+1ea0-1ef9,u+20ab}@font-face{font-family:Source Sans\ 3;font-style:normal;font-weight:200 900;font-display:swap;src:url(/_next/static/media/b6a6f0b43d027304-s.woff2?dpl=dpl_DnsiiSK5g2pDYGHWcL9XxmVnir22) format("woff2");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:Source Sans\ 3;font-style:normal;font-weight:200 900;font-display:swap;src:url(/_next/static/media/9cf9c6e84ed13b5e-s.p.woff2?dpl=dpl_DnsiiSK5g2pDYGHWcL9XxmVnir22) format("woff2");unicode-range:u+00??,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}@font-face{font-family:Source Sans\ 3 Fallback;src:local("Arial");ascent-override:109.21%;descent-override:42.66%;line-gap-override:0.00%;size-adjust:93.76%}.__className_3b930a{font-family:Source Sans\ 3,Source Sans\ 3 Fallback;font-style:normal}.__variable_3b930a{--font-sans:"Source Sans 3","Source Sans 3 Fallback"}:root{--ink:#16324f;--blue:#2f66d0;--green:#1f8a70;--yellow:#f2c14e;--sky:#eef6fc;--paper:#ffffff;--body:#2c3e50;--muted:#5b6b7b;--border:#d9e5ee;--serif:var(--font-serif),Georgia,serif;--sans:var(--font-sans),"Segoe UI",sans-serif;--max:1200px;--radius:10px;--shadow:0 12px 34px rgba(22,50,79,0.08)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--body);background:var(--paper);font-family:var(--sans);font-size:17px;line-height:1.62}a{color:inherit}img{max-width:100%;height:auto}h1,h2,h3{color:var(--ink);font-family:var(--serif);line-height:1.14;margin:0;text-wrap:balance}h1{font-size:clamp(2.25rem,4.5vw,4rem);letter-spacing:-.035em}h2{font-size:clamp(1.75rem,2.8vw,2.6rem);letter-spacing:-.025em}h3{font-size:1.3rem}p{margin:0 0 1rem}:focus-visible{outline:3px solid var(--yellow);outline-offset:4px;border-radius:3px}.skip-link{position:fixed;top:8px;left:8px;z-index:100;padding:10px 14px;color:white;background:var(--ink);border-radius:5px;transform:translateY(-150%)}.skip-link:focus{transform:translateY(0)}.site-header{height:68px;background:var(--paper);border-bottom:1px solid rgba(217,229,238,.65);display:flex;align-items:center;position:relative;z-index:10}.header-inner{width:min(var(--max),calc(100% - 48px));margin:0 auto;display:grid;grid-template-columns:245px 1fr auto;align-items:center;gap:22px}.wordmark{color:var(--ink);text-decoration:none;font-weight:800;line-height:1;letter-spacing:-.035em;font-size:1.7rem;display:inline-flex;flex-direction:column;width:fit-content}.footer-wordmark span,.wordmark span span{color:var(--blue)}.wordmark small{color:var(--muted);font-size:.58rem;font-weight:600;letter-spacing:.16em;margin-top:7px;text-transform:uppercase}.desktop-nav{display:flex;justify-content:center;align-items:center;gap:clamp(18px,2.3vw,34px)}.desktop-nav a{color:var(--ink);font-size:.91rem;font-weight:650;text-decoration:none;white-space:nowrap}.desktop-nav a:hover{color:var(--blue)}.header-actions{display:flex;align-items:center;gap:20px}.search-link{width:24px;height:24px;color:var(--ink);display:grid;place-items:center}.search-link svg{width:22px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round}.button{min-height:46px;display:inline-flex;align-items:center;justify-content:center;gap:12px;border-radius:7px;padding:11px 22px;text-decoration:none;font-weight:720;transition:transform .16s ease,background .16s ease}.button:hover{transform:translateY(-1px)}.button-primary{color:white;background:var(--green);box-shadow:0 8px 20px rgba(31,138,112,.18)}.button-primary:hover{background:#176f5b}.header-cta{min-height:46px;padding-inline:22px}.mobile-menu{display:none}.mobile-menu-toggle{appearance:none;border:0;padding:8px;color:var(--ink);background:transparent;font:inherit;font-weight:750;cursor:pointer}.home-hero{display:grid;grid-template-columns:minmax(0,.98fr) minmax(0,1.08fr);min-height:360px;background:var(--sky);overflow:hidden}.hero-copy{padding:42px max(42px,calc((100vw - var(--max)) / 2));padding-right:clamp(32px,4vw,58px);display:flex;justify-content:center;align-items:flex-start;flex-direction:column}.home-hero h1{font-size:clamp(2.25rem,3.35vw,2.65rem)}.eyebrow{color:var(--blue);font-size:.78rem;line-height:1.2;letter-spacing:.13em;font-weight:800;text-transform:uppercase;margin-bottom:14px}.hero-dek{color:var(--body);font-size:clamp(1.1rem,1.6vw,1.3rem);line-height:1.5;max-width:600px;margin:20px 0 26px}.hero-actions{display:flex;align-items:center;gap:28px}.card-link,.text-link{color:var(--blue);font-weight:750;text-decoration:none}.card-link:hover,.text-link:hover{text-decoration:underline;text-underline-offset:4px}.hero-image{min-height:360px}.hero-image img{width:100%;height:100%;display:block;object-fit:cover;object-position:center}.trust-strip{width:min(var(--max),calc(100% - 48px));margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);padding:27px 0;border-bottom:1px solid var(--border)}.trust-strip>div{display:flex;align-items:center;justify-content:center;gap:13px;padding:0 28px;border-right:1px solid var(--border)}.trust-strip>div:first-child{justify-content:flex-start}.trust-strip>div:last-child{border:0;justify-content:flex-end}.trust-strip span{width:29px;height:29px;border-radius:50%;display:grid;place-items:center;flex:0 0 auto;color:#176f5b;background:#e2f3ed;font-size:.86rem;font-weight:900}.trust-strip p{margin:0;font-size:.9rem;line-height:1.35;color:var(--muted)}.trust-strip strong{color:var(--ink)}.section{width:min(var(--max),calc(100% - 48px));margin:0 auto;padding:clamp(65px,8vw,104px) 0}.section-heading{margin-bottom:34px}.subject-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.subject-card{position:relative;min-height:265px;padding:28px;border:1px solid var(--border);border-radius:var(--radius);background:white;text-decoration:none;box-shadow:0 6px 22px rgba(22,50,79,.045);overflow:hidden}.subject-card:before{content:"";height:5px;position:absolute;inset:0 0 auto;background:var(--blue)}.subject-card.green:before{background:var(--green)}.subject-card.yellow:before{background:var(--yellow)}.subject-card:hover{border-color:#a8c7e0;box-shadow:var(--shadow)}.subject-mark{display:grid;place-items:center;width:50px;height:50px;border-radius:8px;margin-bottom:28px;color:var(--blue);background:var(--sky);font-family:var(--serif);font-size:1.3rem;font-weight:700}.subject-card.green .subject-mark{color:var(--green);background:#e6f4ef}.subject-card.yellow .subject-mark{color:#745100;background:#fff7dc}.subject-card h3{font-size:1.5rem}.subject-card p{color:var(--muted);line-height:1.48;margin:10px 0 24px;font-size:.96rem}.card-link{display:inline-block;margin-top:auto}.comparison-row{width:100%;max-width:none;background:var(--sky);display:grid;grid-template-columns:repeat(2,minmax(0,570px));justify-content:center;gap:54px;padding-inline:24px}.checklist-panel,.cost-panel{min-width:0}.checklist-note,.cost-panel>p:not(.eyebrow):not(.method-note){color:var(--muted);margin:16px 0 26px}.table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:var(--radius);background:white}table{border-collapse:collapse;width:100%;min-width:510px;font-size:.93rem}td,th{padding:15px 17px;text-align:left;border-bottom:1px solid var(--border);vertical-align:top}th{color:var(--ink);background:#f9fcfe;font-size:.82rem;text-transform:uppercase;letter-spacing:.05em}tr:last-child td{border-bottom:0}td:first-child{color:var(--ink);font-weight:700;width:36%}.method-note{color:var(--muted);border-left:3px solid var(--yellow);padding:2px 0 2px 14px;font-size:.84rem;line-height:1.45;margin:18px 0}.checklist-panel{border-left:1px solid #cbdce9;padding-left:54px}.checklist-panel ol{margin:25px 0 20px;padding:0;list-style:none}.checklist-panel li{display:flex;align-items:center;gap:16px;padding:14px 0;border-bottom:1px solid #cbdce9}.checklist-panel li span{display:grid;place-items:center;width:34px;height:34px;border-radius:50%;flex:0 0 auto;color:white;background:var(--green);font-weight:800}.checklist-panel li p{margin:0;color:var(--ink);font-weight:700}.latest-section{padding-bottom:112px}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.guide-card{min-height:235px;padding:28px;border-radius:var(--radius);border:1px solid var(--border);display:flex;align-items:flex-start;flex-direction:column}.category-tab{display:inline-block;width:fit-content;color:#185e4d;background:#e3f2ed;border-radius:3px;padding:5px 9px;font-size:.72rem;line-height:1.2;font-weight:800;letter-spacing:.08em;text-transform:uppercase}.guide-card h3{margin:20px 0 10px;font-size:1.45rem}.guide-card h3 a{text-decoration:none}.guide-card p{color:var(--muted);font-size:.96rem;line-height:1.5;flex:1 1}.site-footer{color:#dce8f2;background:#112a43;padding:55px max(24px,calc((100vw - var(--max)) / 2)) 24px}.footer-inner{display:grid;grid-template-columns:1fr auto;gap:50px;align-items:start;padding-bottom:38px}.footer-wordmark{color:white;font-size:1.65rem;letter-spacing:-.03em;font-weight:800;text-decoration:none}.footer-inner p{color:#b9cad8;margin:8px 0 0}.footer-inner nav{display:flex;flex-wrap:wrap;gap:28px}.footer-inner nav a{color:white;text-decoration:none;font-weight:650}.disclosure{display:flex;justify-content:space-between;gap:40px;border-top:1px solid #345069;padding-top:22px;font-size:.84rem;color:#b9cad8}.disclosure p{margin:0;max-width:760px}.article-page{background:linear-gradient(var(--sky) 0 515px,white 515px)}.breadcrumbs{width:min(var(--max),calc(100% - 48px));margin:0 auto;padding:24px 0 18px;display:flex;gap:10px;color:var(--muted);font-size:.88rem}.breadcrumbs a{color:var(--blue)}.article-hero{width:min(var(--max),calc(100% - 48px));margin:0 auto;display:grid;grid-template-columns:1fr .92fr;align-items:center;gap:55px;padding-bottom:62px}.article-heading h1{font-size:clamp(2.25rem,4.3vw,3.85rem);margin-top:16px}.article-dek{font-size:1.2rem;line-height:1.48;margin:20px 0;color:var(--body)}.review-line{color:var(--muted);font-size:.88rem;margin:0}.article-hero img{display:block;width:100%;aspect-ratio:3/2;object-fit:cover;border-radius:var(--radius);box-shadow:var(--shadow)}.article-layout{width:min(1060px,calc(100% - 48px));margin:0 auto;padding:74px 0 110px;display:grid;grid-template-columns:minmax(0,700px) 280px;gap:70px;align-items:start}.article-body{font-size:1.1rem;line-height:1.75}.article-body>section{margin-top:58px}.article-body h2,.marketplace-transition h2,.scenario h2{font-size:clamp(1.65rem,2.7vw,2.15rem);margin-bottom:18px}.article-body li{margin-bottom:9px;padding-left:4px}.opening-answer{padding-bottom:28px;border-bottom:1px solid var(--border);font-size:1.17rem}.decision-aid{border:1px solid var(--border);border-top:5px solid var(--blue);border-radius:var(--radius);padding:30px 34px;background:#f9fcfe}.decision-aid h2{margin-top:0}.decision-aid ol{margin-bottom:0;padding-left:1.35rem}.scenario{margin-top:58px;padding:30px 34px;background:#fff8e4;border-radius:var(--radius);border-left:4px solid var(--yellow)}.scenario h2{margin-top:15px}.marketplace-transition{margin-top:58px;padding:32px 34px;color:#e6f3ef;background:var(--ink);border-radius:var(--radius)}.marketplace-transition h2{color:white}.marketplace-transition .button{margin-top:8px}.faq details{padding:18px 0;border-bottom:1px solid var(--border)}.faq summary{color:var(--ink);font-weight:750;cursor:pointer}.faq details p{color:var(--muted);margin:13px 0 2px}.related-links{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.related-links a{color:var(--blue);border:1px solid var(--border);border-radius:7px;padding:16px;font-weight:750;text-decoration:none}.sources{position:sticky;top:24px;padding:25px;border:1px solid var(--border);border-radius:var(--radius);background:#f9fcfe;font-size:.84rem;line-height:1.48}.sources h2{font-family:var(--sans);font-size:1.05rem;letter-spacing:0}.sources>p{color:var(--muted);margin:10px 0 18px}.sources ol{margin:0;padding-left:1.1rem}.sources li{padding:0 0 16px 3px}.sources a{color:var(--blue);font-weight:750}.sources li span{display:block;color:var(--muted);margin-top:3px}.sources .review-card{color:var(--body);border-top:1px solid var(--border);padding-top:16px;margin-bottom:0}.guide-index-page{min-height:70vh;background:linear-gradient(var(--sky) 0 390px,white 390px)}.guide-index-hero{width:min(850px,calc(100% - 48px));margin:0 auto;padding:54px 0 65px;text-align:center}.guide-index-hero>p:last-child{max-width:690px;margin:20px auto 0;font-size:1.18rem}.guide-index-content{width:min(var(--max),calc(100% - 48px));margin:0 auto;padding:58px 0 110px}.guide-search{max-width:730px;margin:0 auto 72px;scroll-margin-top:24px}.guide-search label{display:block;color:var(--ink);font-weight:750;margin-bottom:8px}.guide-search input{width:100%;min-height:54px;border:1px solid #9fb7c9;border-radius:8px;padding:12px 16px;color:var(--body);background:white;font:inherit}.guide-search p{color:var(--muted);margin-top:8px;font-size:.9rem}.guide-index-section{margin-top:72px;scroll-margin-top:24px}.guide-index-section h2{padding-bottom:16px;border-bottom:1px solid var(--border)}.guide-index-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:26px}.guide-index-card{min-height:260px;display:flex;align-items:flex-start;flex-direction:column;padding:26px;border:1px solid var(--border);border-radius:var(--radius);background:white}.guide-index-card h3{margin:18px 0 10px}.guide-index-card h3 a{text-decoration:none}.guide-index-card p{flex:1 1;color:var(--muted);line-height:1.5;font-size:.96rem}.no-results{text-align:center;padding:35px;color:var(--muted);background:var(--sky);border-radius:var(--radius)}.editorial-page{min-height:70vh;padding-bottom:100px;background:linear-gradient(var(--sky) 0 300px,white 300px)}.editorial-page article{width:min(760px,calc(100% - 48px));margin:0 auto;padding-top:35px}.editorial-page article header{margin-bottom:70px}.editorial-page article header p{margin-top:20px;font-size:1.2rem}.editorial-page article h2{margin:48px 0 15px;font-size:1.8rem}.editorial-page .review-line{border-top:1px solid var(--border);margin-top:65px;padding-top:20px}.not-found-page{width:min(700px,calc(100% - 48px));min-height:62vh;margin:0 auto;padding:110px 0;text-align:center}.not-found-page>p:not(.eyebrow){margin:20px 0 32px;font-size:1.16rem;color:var(--muted)}.not-found-page>div{display:flex;align-items:center;justify-content:center;gap:28px}@media (max-width:1000px){.header-inner{grid-template-columns:auto 1fr auto}.desktop-nav{display:none}.mobile-menu{display:block;grid-column:2;grid-row:1;justify-self:end;position:relative}.mobile-menu-toggle{color:var(--ink)}.mobile-menu nav{position:absolute;top:38px;right:0;width:210px;padding:13px;display:grid;border:1px solid var(--border);background:white;box-shadow:var(--shadow);border-radius:8px}.mobile-menu nav a{padding:9px;text-decoration:none;color:var(--ink)}.header-actions{grid-column:3}.subject-grid{grid-template-columns:repeat(2,1fr)}.comparison-row{grid-template-columns:minmax(0,760px)}.checklist-panel{border-left:0;border-top:1px solid #cbdce9;padding:48px 0 0}.article-layout{grid-template-columns:minmax(0,1fr) 250px;gap:38px}.guide-index-grid{grid-template-columns:repeat(2,1fr)}}@media (max-width:760px){body{font-size:16px}.site-header{height:68px}.header-inner{width:min(100% - 30px,var(--max));grid-template-columns:1fr auto;gap:16px}.wordmark{font-size:1.35rem}.header-actions,.wordmark small{display:none}.mobile-menu{grid-column:2}.home-hero{grid-template-columns:1fr}.hero-copy{padding:48px 24px 38px}.hero-image{min-height:290px;max-height:370px}.hero-image img{object-position:60% center}.hero-actions{align-items:flex-start;flex-direction:column;gap:16px}.trust-strip{width:calc(100% - 40px);grid-template-columns:1fr;padding:18px 0}.trust-strip>div,.trust-strip>div:first-child,.trust-strip>div:last-child{justify-content:flex-start;border-right:0;border-bottom:1px solid var(--border);padding:14px 2px}.trust-strip>div:last-child{border-bottom:0}.section{width:calc(100% - 40px);padding:62px 0}.subject-grid{grid-template-columns:1fr}.subject-card{min-height:230px}.comparison-row{width:100%;padding-inline:20px;gap:42px}.table-wrap{margin-right:-20px;border-radius:8px 0 0 8px}.guide-grid{grid-template-columns:1fr}.guide-card{min-height:220px}.footer-inner{grid-template-columns:1fr}.footer-inner nav{gap:15px 22px}.disclosure{flex-direction:column;gap:18px}.article-page{background:linear-gradient(var(--sky) 0 730px,white 730px)}.article-hero,.article-layout,.breadcrumbs{width:calc(100% - 40px)}.article-hero{grid-template-columns:1fr;gap:30px;padding-bottom:45px}.article-layout{grid-template-columns:1fr;padding-top:58px;gap:48px}.article-body{font-size:1.04rem}.decision-aid,.marketplace-transition,.scenario{padding:25px 23px}.related-links{grid-template-columns:1fr}.sources{position:static}.breadcrumbs{flex-wrap:wrap}.editorial-page article,.guide-index-content,.guide-index-hero{width:calc(100% - 40px)}.guide-index-hero{padding:48px 0 58px}.guide-index-content{padding-top:48px}.guide-index-grid{grid-template-columns:1fr}.guide-index-card{min-height:230px}.not-found-page>div{flex-direction:column}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:after,:before{transition-duration:.01ms!important}}