:root{color-scheme:light;--paper:#f5f2eb;--ink:#202a2d;--blue:#315c6a;--muted:#566468;--line:#c9cbc4;--light:#e9e9e1;--serif:"Fraunces",Georgia,serif;--sans:"DM Sans",Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:116px}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}button{font:inherit}a{color:inherit;text-decoration-thickness:1px;text-underline-offset:5px}a:hover{color:var(--blue)}img{display:block;max-width:100%;height:auto}button,a,summary{-webkit-tap-highlight-color:transparent}:focus-visible{outline:2px solid var(--blue);outline-offset:5px}::selection{background:#cddbe0;color:var(--ink)}.wrap{width:min(1160px,calc(100% - 96px));margin-inline:auto}p{margin:0 0 20px}h1,h2,h3{font-family:var(--serif);font-weight:400;margin:0;line-height:1.08;letter-spacing:-.035em}h1{font-size:clamp(54px,5.5vw,80px)}h2{font-size:clamp(38px,3.6vw,52px)}h3{font-size:28px}section[id],h2[id]{scroll-margin-top:116px}.eyebrow{font-family:var(--sans);font-size:11px;font-weight:600;line-height:1.5;letter-spacing:.13em;text-transform:uppercase;color:var(--blue);margin:0 0 25px}.section-space{padding-block:100px}.skip-link{position:fixed;top:12px;left:16px;z-index:50;padding:12px 18px;background:var(--ink);color:var(--paper);transform:translateY(-180%)}.skip-link:focus{transform:translateY(0)}.site-header{position:sticky;top:0;z-index:20;background:var(--paper);border-bottom:1px solid 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.2s}.hero{padding-top:64px;padding-bottom:72px;display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.9fr);gap:75px;align-items:center}.hero-copy{padding-block:12px;min-width:0}.hero .eyebrow{max-width:410px}.hero h1{max-width:660px;margin-bottom:28px}.hero-lede{font-size:18px;line-height:1.75;max-width:500px;color:var(--muted)}.actions{display:flex;align-items:center;gap:28px;flex-wrap:wrap;margin-top:32px}.button{display:inline-flex;align-items:center;justify-content:space-between;gap:32px;min-height:54px;padding:13px 22px;background:var(--blue);color:#fff;text-decoration:none;font-size:14px;font-weight:500;border:1px solid var(--blue)}.button:hover{background:var(--ink);color:#fff;border-color:var(--ink)}.text-action{display:inline-flex;gap:15px;align-items:center;font-size:14px;font-weight:500;padding-block:12px;text-decoration:none;border-bottom:1px solid var(--ink)}.hero-license{font-size:11px;line-height:1.8;letter-spacing:.025em;color:var(--muted);margin:27px 0 0}.hero-portrait{margin:0;min-width:0;align-self:center}.hero-portrait img{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:50% 38%;background:#eae7df}.hero-portrait figcaption{padding-top:17px;display:flex;gap:12px;justify-content:space-between;align-items:baseline;font-size:10px;line-height:1.6;letter-spacing:.03em;color:var(--muted)}.hero-portrait figcaption span:first-child{font-size:14px;font-weight:500;color:var(--ink)}.planning-section{border-top:1px solid var(--line);padding-top:86px}.section-intro{display:grid;grid-template-columns:1fr 1.05fr;gap:0 80px;margin-bottom:50px}.section-intro .eyebrow{grid-column:1/-1}.section-intro>p:last-child{max-width:400px;align-self:end;color:var(--muted);margin:0}.topic-list{border-top:1px solid var(--line)}.topic-row{display:grid;grid-template-columns:50px minmax(0,1fr) minmax(0,1.05fr);gap:30px;padding:34px 0;border-bottom:1px solid 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var(--line)}.reading-list>a{display:flex;align-items:center;justify-content:space-between;gap:40px;text-decoration:none;padding:31px 0;border-bottom:1px solid var(--line)}.reading-list>a>div{min-width:0}.reading-meta{display:block;font-size:10px;font-weight:500;letter-spacing:.1em;text-transform:uppercase;color:var(--blue);margin-bottom:13px}.reading-list h3{font-size:32px;line-height:1.2;max-width:850px}.reading-list p{color:var(--muted);font-size:14px;margin:13px 0 0;max-width:800px}.reading-arrow{font-size:36px;font-weight:400;color:var(--blue);padding:0 10px;flex-shrink:0}.contact-section{background:#dfe7e5;border-top:1px solid #bfcac7}.contact-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:80px}.contact-copy{max-width:430px;margin-top:24px;color:#45575b}.contact-note{font-size:11px;color:#45575b;line-height:1.8;margin-top:28px}.contact-methods{border-top:1px solid #aabbb9;min-width:0}.contact-methods>a{display:block;padding:21px 0;border-bottom:1px solid #aabbb9;text-decoration:none}.contact-label{display:block;font-size:10px;letter-spacing:.12em;text-transform:uppercase;color:#435b61;margin-bottom:6px}.contact-value{display:flex;justify-content:space-between;gap:12px;font-family:var(--serif);font-size:30px;line-height:1.4;letter-spacing:-.03em}.contact-email{display:flex;justify-content:space-between;gap:10px;font-size:17px;line-height:1.6;overflow-wrap:anywhere}.contact-email>span{flex-shrink:0}.contact-privacy{color:#45575b;font-size:11px;line-height:1.8;margin:20px 0 0}.site-footer{padding:56px 0 24px;background:var(--paper)}.footer-top{display:grid;grid-template-columns:1fr 1fr .8fr;gap:50px;padding-bottom:39px;border-bottom:1px solid var(--line);align-items:start}.footer-name{text-decoration:none;font-family:var(--serif);font-size:25px;line-height:1.3;letter-spacing:-.03em}.footer-name 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var(--line)}.breadcrumb{display:inline-flex;gap:17px;font-size:11px;color:var(--muted);text-decoration:none;margin-bottom:46px;padding-block:5px}.page-hero h1{max-width:960px;font-size:clamp(50px,5.2vw,74px);margin-bottom:34px}.page-hero-bottom{display:flex;justify-content:space-between;gap:50px;align-items:start}.page-hero-bottom>p{font-size:18px;color:var(--muted);max-width:650px;margin:0}.page-hero-bottom .text-action{flex-shrink:0;margin-top:3px}.article-nav{display:flex;flex-wrap:wrap;gap:15px 30px;margin-top:35px;font-size:12px}.article-nav a{text-decoration:none;border-bottom:1px solid var(--line);padding-block:7px}.editorial-grid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:85px}.editorial-body{min-width:0}.editorial-body>p:not(.large-copy){color:var(--muted)}.comparison{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:32px;border-top:1px solid var(--line);padding-top:29px;margin-top:32px}.comparison .eyebrow{margin-bottom:17px;font-size:10px}.comparison h3{font-size:28px;line-height:1.2;margin-bottom:18px}.comparison p:last-child{font-size:14px;color:var(--muted);line-height:1.8}.article-note{font-size:12px;border-top:1px solid var(--line);padding-top:22px;margin-top:13px}.faq-list{border-top:1px solid var(--line);min-width:0}.faq-list details{border-bottom:1px solid var(--line)}.faq-list summary{list-style:none;cursor:pointer;position:relative;padding:24px 36px 24px 0;line-height:1.5;font-weight:500;font-size:17px}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary::after{content:"+";position:absolute;right:1px;top:23px;font-size:24px;font-weight:400;line-height:1}.faq-list details[open] summary::after{content:"−"}.faq-list summary:hover{color:var(--blue)}.faq-answer{max-width:570px;padding:0 30px 24px 0;font-size:15px;color:var(--muted)}.faq-answer p{margin:0;line-height:1.85}.resource-section{padding-bottom:65px}.resource-row{border-top:1px solid var(--line);padding-top:27px}.resource-row p{font-size:12px;color:var(--muted);max-width:790px;line-height:1.85;margin:0}.resource-row .eyebrow{display:block;margin-bottom:13px}.education-note{border-top:1px solid var(--line);margin-top:35px;padding-top:25px}.education-note h3{font-size:24px;line-height:1.3;margin-bottom:14px}.education-note p{font-size:14px;color:var(--muted);margin:0}.legal-layout{display:grid;grid-template-columns:220px minmax(0,1fr);gap:80px;padding-top:72px;padding-bottom:100px}.legal-side{align-self:start;position:sticky;top:152px}.legal-side nav{display:flex;flex-direction:column;align-items:start;gap:19px;font-size:13px}.legal-side nav a{text-decoration:none}.legal-side nav a[aria-current]{border-bottom:1px solid var(--ink);padding-bottom:3px}.legal-side>.inline-link{margin-top:35px;font-size:11px}.legal-body{max-width:760px;min-width:0}.legal-body h1{font-size:clamp(45px,4vw,60px);line-height:1.13;margin-bottom:24px}.legal-body .updated{font-size:11px;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:24px;margin-bottom:28px}.legal-body>p{color:var(--muted);font-size:15px;line-height:1.9}.legal-body h2{font-size:28px;line-height:1.25;margin-top:38px;margin-bottom:15px}.legal-body a{overflow-wrap:anywhere}.legal-body .eyebrow{color:var(--blue);font-size:11px;margin-bottom:21px}
@media(min-width:1600px){.hero{gap:100px}.hero h1{font-size:80px}}
@media(max-width:1100px){.wrap{width:calc(100% - 64px)}.masthead{gap:25px}.primary-nav{gap:18px}.primary-nav a{font-size:12px}.primary-nav .nav-contact{padding-left:18px;gap:9px}.hero{gap:45px}.hero h1{font-size:clamp(54px,6.1vw,70px)}.hero-portrait figcaption{flex-direction:column;gap:3px}.advanced-grid{gap:60px}.process-grid,.about-grid,.contact-grid,.section-intro{gap:50px}.editorial-grid{gap:50px}.legal-layout{gap:50px;grid-template-columns:190px minmax(0,1fr)}.contact-email{font-size:15px}}
@media(max-width:900px){html{scroll-padding-top:105px}.wrap{width:calc(100% - 48px)}.masthead{min-height:88px;flex-wrap:wrap;gap:0 20px;padding-block:17px}.brand-name{font-size:28px}.brand-detail{font-size:9px}.js .menu-toggle{display:flex;align-items:center;gap:12px;font-size:12px;font-weight:500}.primary-nav{width:100%;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:4px 24px;border-top:1px solid var(--line);padding:15px 0 7px;margin-top:19px}.primary-nav a{font-size:14px;white-space:normal;min-height:44px;display:flex;align-items:center}.primary-nav .nav-contact{border:0;padding-left:0;gap:15px;grid-column:1/-1}.js .primary-nav:not(.is-open){display:none}.menu-toggle[aria-expanded="true"] .menu-mark i:first-child{transform:translateY(3px) rotate(45deg)}.menu-toggle[aria-expanded="true"] .menu-mark i:last-child{transform:translateY(-3px) rotate(-45deg)}.hero{padding-top:48px;padding-bottom:55px;grid-template-columns:minmax(0,1.2fr) minmax(0,.9fr);gap:32px}.hero h1{font-size:clamp(45px,6.5vw,60px)}.hero-lede{font-size:16px}.hero .eyebrow{font-size:10px}.hero-license{font-size:10px}.hero .actions{gap:12px 20px}.hero .button{min-height:50px;padding-inline:17px;gap:22px}.hero .text-action{font-size:13px}.section-space{padding-block:75px}.topic-row{grid-template-columns:32px minmax(0,1fr) minmax(0,1.1fr);gap:18px}.topic-row h3{font-size:26px}.topic-row p{font-size:14px}.section-intro{gap:0 35px}.section-intro>p:last-child{font-size:14px}.process-grid,.about-grid,.contact-grid{gap:35px}.process-list h3{font-size:24px}.process-list p{font-size:14px}.advanced-grid{gap:40px;grid-template-columns:minmax(0,1fr) minmax(0,1fr)}.risk-note h3{font-size:27px}.advanced-lede{font-size:16px}.large-copy{font-size:20px}.about-grid p{font-size:14px}.reading-section{padding-top:0}.reading-heading h2{flex-basis:calc(50% - 18px)}.reading-list h3{font-size:29px}.contact-value{font-size:26px}.contact-email{font-size:13px}.footer-top{gap:25px;grid-template-columns:1fr 1.1fr .9fr}.footer-notices{gap:0 35px}.page-hero{padding-top:26px}.breadcrumb{margin-bottom:33px}.page-hero h1{font-size:clamp(44px,6.4vw,65px)}.page-hero-bottom{display:block}.page-hero-bottom .text-action{margin-top:21px}.page-hero-bottom>p{font-size:17px}.editorial-grid{gap:40px;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr)}.comparison{grid-template-columns:1fr;gap:18px}.comparison article+article{border-top:1px solid var(--line);padding-top:25px}.comparison h3{font-size:27px}.legal-layout{grid-template-columns:150px minmax(0,1fr);gap:35px;padding-top:50px}.legal-side .eyebrow{font-size:10px}.legal-side nav{font-size:12px}.legal-body h1{font-size:44px}}
@media(max-width:650px){.wrap{width:calc(100% - 40px)}.masthead{min-height:82px;padding-block:17px}.brand-name{font-size:27px}.brand-detail{font-size:8px;letter-spacing:.16em}.menu-toggle{gap:9px;font-size:11px}.menu-mark,.menu-mark i{width:18px}.hero{display:flex;flex-direction:column;gap:37px;padding-top:35px;padding-bottom:42px;align-items:stretch}.hero-copy{padding:0}.hero .eyebrow{font-size:9px;letter-spacing:.1em;max-width:290px;line-height:1.75;margin-bottom:22px}.hero h1{font-size:clamp(45px,11.8vw,68px);max-width:500px;margin-bottom:22px}.hero-lede{font-size:16px;line-height:1.75;margin-bottom:0;max-width:470px}.actions{margin-top:27px;gap:15px 24px}.hero .button{font-size:13px;min-height:50px;gap:22px;padding-inline:18px}.hero-license{margin-top:22px;font-size:10px}.hero-portrait{width:100%;max-width:490px;align-self:start}.hero-portrait img{aspect-ratio:5/4;object-position:50% 32%}.hero-portrait figcaption{flex-direction:row;gap:15px;padding-top:13px}.hero-portrait figcaption span:first-child{font-size:12px}.hero-portrait figcaption span:last-child{font-size:9px;text-align:right}.section-space{padding-block:58px}h2{font-size:clamp(33px,8.5vw,45px)}h3{font-size:26px}.eyebrow{font-size:10px;letter-spacing:.1em;margin-bottom:21px}.section-intro{display:block;margin-bottom:31px}.section-intro>p:last-child{font-size:15px;margin-top:23px;max-width:450px}.topic-row{grid-template-columns:29px minmax(0,1fr);gap:12px;padding-block:27px}.topic-row h3{font-size:28px;line-height:1.15}.topic-row h3 br{display:none}.topic-row>div{grid-column:2}.topic-row p{font-size:14px;line-height:1.8}.topic-row .inline-link{font-size:12px}.topic-number{padding-top:4px;font-size:11px}.process-grid,.advanced-grid,.about-grid,.contact-grid,.editorial-grid{grid-template-columns:minmax(0,1fr);gap:34px}.section-copy{font-size:15px;margin-top:22px;margin-bottom:0}.process-list li{padding-block:23px}.process-list h3{font-size:26px}.process-list p{font-size:14px}.advanced-lede{font-size:16px;margin-top:23px}.plain-list{font-size:13px;margin-top:22px}.risk-note{padding-top:25px}.risk-note h3{font-size:29px}.risk-note p:not(.eyebrow){font-size:14px;line-height:1.85}.about-grid{gap:25px}.about-grid .large-copy{font-size:21px}.about-grid>div:last-child>p:not(.large-copy){font-size:15px}.about-grid .identity-line{font-size:11px!important}.reading-section{padding-top:0}.reading-heading{display:block;margin-bottom:30px}.reading-list>a{gap:16px;padding-block:25px;align-items:start}.reading-list h3{font-size:27px;line-height:1.2}.reading-list p{font-size:13px;line-height:1.8}.reading-meta{font-size:9px}.reading-arrow{font-size:27px;padding:0;margin-top:24px}.contact-grid{gap:26px}.contact-copy{font-size:15px;margin-top:21px}.contact-note{font-size:10px;margin-top:21px;margin-bottom:0}.contact-methods>a{padding-block:20px}.contact-value{font-size:29px}.contact-email{font-size:14px}.contact-privacy{font-size:11px}.site-footer{padding-top:40px}.footer-top{grid-template-columns:1fr;gap:22px;padding-bottom:28px}.footer-name{font-size:24px}.footer-top nav{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:8px 18px}.footer-top nav a{padding-block:5px}.footer-notices{display:block;padding-top:23px}.footer-notices p{font-size:10px;line-height:1.9;margin-bottom:17px}.footer-bottom{flex-direction:column;gap:15px;font-size:9px}.page-hero{padding-top:22px;padding-bottom:31px}.breadcrumb{margin-bottom:29px;font-size:10px}.page-hero>.eyebrow{font-size:9px}.page-hero h1{font-size:clamp(39px,10.5vw,62px);line-height:1.1;margin-bottom:26px}.page-hero h1 br{display:none}.page-hero-bottom>p{font-size:16px}.article-nav{gap:8px 21px;font-size:11px;margin-top:25px}.article-nav a{padding-block:9px}.editorial-grid{gap:28px}.editorial-body .large-copy{font-size:21px}.editorial-body>p:not(.large-copy){font-size:15px}.comparison{gap:14px;margin-top:28px;padding-top:25px}.comparison h3{font-size:27px}.article-note{font-size:12px!important}.faq-list summary{font-size:16px;padding-top:21px;padding-bottom:21px;padding-right:32px}.faq-list summary::after{top:22px;font-size:21px}.faq-answer{font-size:14px;padding-right:20px;padding-bottom:23px}.resource-section{padding-bottom:42px}.resource-row{padding-top:23px}.resource-row p{font-size:11px;line-height:1.9}.education-note{margin-top:28px;padding-top:23px}.legal-layout{display:flex;flex-direction:column;padding-top:31px;padding-bottom:58px;gap:35px}.legal-side{position:static;order:2;border-top:1px solid var(--line);padding-top:26px}.legal-side nav{flex-direction:row;flex-wrap:wrap;gap:18px 24px}.legal-side>.inline-link{margin-top:21px}.legal-body h1{font-size:clamp(36px,9.5vw,48px)}.legal-body>p{font-size:14px}.legal-body h2{font-size:27px;margin-top:32px}.legal-body .updated{font-size:10px}}
@media(max-width:360px){.wrap{width:calc(100% - 32px)}.masthead{gap:0 12px}.brand-name{font-size:25px}.brand-detail{font-size:7px}.menu-toggle{font-size:10px;gap:7px}.hero h1{font-size:43px}.hero .actions{gap:13px 17px}.hero .button{font-size:12px;gap:19px;padding-inline:16px}.hero .text-action{font-size:12px}.hero-portrait figcaption span:last-child{font-size:8px}.contact-value{font-size:27px}.contact-email{font-size:12px}.page-hero h1{font-size:37px}.topic-row h3{font-size:26px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important;animation:none!important}}
@media print{.site-header,.menu-toggle,.skip-link,.site-footer,.contact-section{display:none}.wrap{width:100%}.section-space{padding-block:30px}.advanced-section{background:#fff;color:#000}.advanced-section p,.advanced-section .eyebrow,.plain-list{color:#000}.faq-list details .faq-answer{display:block}body{font-size:12px}.legal-layout{display:block}.legal-side{display:none}}

/* Reading and control craft across the existing adviser identity. */
:is(.button,.text-action,.inline-link,.primary-nav a,.footer-top nav a,.article-nav a,.menu-toggle) { min-height:44px; }
:is(.button,.text-action,.inline-link,.menu-toggle,summary) { transition:background-color 160ms ease,color 160ms ease,border-color 160ms ease,transform 120ms ease;touch-action:manipulation; }
:is(.button,.menu-toggle):active { transform:translateY(1px); }
:is(.hero-license,.contact-note,.contact-privacy,.footer-notices p,.footer-bottom,.reading-meta,.resource-row p,.legal-body .updated) { font-size:13px;line-height:1.75; }
.primary-nav a { display:inline-flex;align-items:center; }
:is(.footer-top nav a,.article-nav a,.inline-link) { display:inline-flex;align-items:center; }
.brand-detail { font-size:10px;letter-spacing:.12em; }
@media(max-width:650px) { .hero .eyebrow,.page-hero>.eyebrow { font-size:12px;line-height:1.65; } .menu-toggle { font-size:13px; } .hero-portrait figcaption span:last-child { font-size:11px; } }
@media(prefers-reduced-motion:reduce) { *,*::before,*::after { transition:none!important;animation:none!important;scroll-behavior:auto!important; } }

.primary-nav a[aria-current="page"] { text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:6px; }
@media(max-width:900px) { .js .menu-toggle { font-size:13px;min-height:44px; } }