/* ClientFlow editorial: shared brand tokens, scoped to existing article surfaces. */
.cf-editorial-skip{position:fixed;top:12px;left:12px;z-index:10000;padding:12px 18px;background:var(--navy);color:#fff;border-radius:6px;transform:translateY(-180%)}
.cf-editorial-skip:focus{transform:none}
.art-hero{padding:80px 0 48px;background:linear-gradient(180deg,var(--cream) 0%,#fff 100%)}
.art-hero .art-wrap{max-width:1140px}
.art-hero .eyebrow,.idx-hero .eyebrow{padding:0;background:none;color:#ac3400;border-radius:0;letter-spacing:.14em;font-size:11px}
.art-hero .crumbs{margin-bottom:24px;color:#49525f}
.art-hero .crumbs a{color:inherit}
.art-hero h1{max-width:22ch;font-size:clamp(34px,4.4vw,58px);font-weight:650;line-height:1.12;letter-spacing:-.045em;margin:20px 0 30px;text-wrap:balance}
.art-meta{max-width:760px;padding-top:20px;border-top:1px solid var(--line);gap:10px 24px;color:#49525f;font-size:13px;font-weight:500}
.art-meta a{text-decoration:underline;text-underline-offset:4px}
.art-body{padding:28px 0 72px}
.art-body>.art-wrap.cf-reading-layout{max-width:1140px;display:grid;grid-template-columns:minmax(0,730px) minmax(190px,230px);gap:72px;align-items:start}
.cf-reading-content{min-width:0}
.art-body .cf-reading-content p,.art-body .cf-reading-content>ul li,.art-body .cf-reading-content>ol li{font-family:Georgia,'Times New Roman',serif;font-size:19px;line-height:1.85;color:#29313b}
.art-body .cf-reading-content>p:first-child{font-size:22px;line-height:1.65;color:var(--ink);margin-bottom:34px}
.art-body .cf-reading-content>p{margin-bottom:24px}
.art-body h2{font-size:28px;line-height:1.25;font-weight:650;letter-spacing:-.028em;margin:48px 0 18px;scroll-margin-top:110px;text-wrap:balance}
.art-body h3{line-height:1.35;scroll-margin-top:110px}
.art-body a{color:#ad3400;text-decoration:underline;text-decoration-color:#d7ad98;text-underline-offset:4px;border-bottom:0}
.art-body a:hover{text-decoration-color:currentColor}
.art-body a:focus-visible,.cf-reading-aside summary:focus-visible,.cf-library-tools :focus-visible,.idx-grid a.card:focus-visible{outline:3px solid #ad3400;outline-offset:5px;border-radius:3px}
.art-body .cf-reading-content>ul{list-style:disc;padding-left:24px;margin:20px 0 28px}
.art-body .cf-reading-content>ul li{padding-left:4px;margin-bottom:14px}
.art-body .cf-reading-content>ul li::before{display:none}
.art-body .cf-reading-content>ol{padding-left:26px;margin:20px 0 28px}
.art-body .cf-reading-content>ol li{padding-left:6px;margin-bottom:18px}
.script-box{padding:28px 30px;border-radius:4px;margin:28px 0;box-shadow:none;border-left:4px solid var(--orange)}
.art-body .script-box p{font-family:Georgia,'Times New Roman',serif;color:#f4f1e9;font-size:19px;line-height:1.75}
.script-box .lbl{font-family:var(--fb);font-size:10px;letter-spacing:.14em;margin-bottom:14px}
.cf-decision-table{margin:30px 0;border-radius:4px;box-shadow:none}
.cf-decision-table table{font-family:var(--fb);font-size:14px;line-height:1.65}
.cf-decision-table th{font-weight:650}
.cf-decision-table caption{font-size:15px;color:var(--ink)}
.cf-decision-table tbody tr:nth-child(even){background:#fcfbf8}
.faq-blk{border-radius:4px;background:var(--cream);padding:28px 30px;margin:48px 0}
.art-body .faq-blk h2{margin:0 0 14px;font-size:23px}
.faq-blk summary{font-size:16px;line-height:1.5;font-weight:600}
.art-body .faq-blk details p{font-size:17px;line-height:1.75}
.art-cta{border-radius:4px;padding:32px;margin:48px 0 28px;display:block}
.art-cta h3{font-size:23px;font-weight:600;margin-bottom:12px}
.art-body .art-cta p{font-family:var(--fb);font-size:15px;line-height:1.75;color:#d9dee6;max-width:none;margin-bottom:22px}
.art-cta a.btn{background:#b53600;color:#fff;text-decoration:none;border:0;white-space:normal}
.rel-grid{gap:16px;margin:20px 0 20px}
.rel-grid a.card{border-radius:4px;box-shadow:none;transform:none;text-decoration:none;padding:22px}
.rel-grid h4{font-size:17px;line-height:1.45;font-weight:600;margin:0}
.cf-reading-aside{position:sticky;top:108px;padding:6px 0 0 24px;border-left:1px solid var(--line);max-height:calc(100vh - 136px);overflow:auto;scrollbar-width:thin}
.cf-contents summary{font:650 11px/1.5 var(--fb);letter-spacing:.12em;text-transform:uppercase;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px;color:var(--ink)}
.cf-contents summary::-webkit-details-marker{display:none}
.cf-contents summary span{color:#ad3400}
.cf-contents ol{list-style:none;counter-reset:none;padding:0;margin:20px 0 0}
.cf-contents li{margin:0 0 13px}
.cf-contents a{display:block;font:400 13px/1.6 var(--fb);color:#49525f;text-decoration:none}
.cf-contents a:hover{color:#ad3400;text-decoration:underline}
.cf-library-back{display:block;font:600 12px/1.5 var(--fb);margin-top:24px;padding-top:20px;border-top:1px solid var(--line)}
.idx-hero{padding:80px 0 48px;background:var(--cream);border-bottom:1px solid var(--line)}
.idx-hero h1{max-width:20ch;font-size:clamp(38px,4.6vw,62px)!important;line-height:1.1!important;font-weight:650;letter-spacing:-.045em;margin:20px 0 24px!important;text-wrap:balance}
.idx-hero p{font-size:18px!important;line-height:1.75!important;max-width:66ch!important}
.cf-library-tools{padding:36px 0 10px}
.cf-library-tools[hidden],.idx-grid a[hidden],.cf-library-empty[hidden]{display:none!important}
.cf-library-search{max-width:460px;margin-bottom:24px}
.cf-library-search label{display:block;font:650 11px/1.5 var(--fb);letter-spacing:.1em;text-transform:uppercase;margin-bottom:9px;color:#49525f}
.cf-library-search input{width:100%;min-height:48px;padding:12px 16px;border:1px solid #c8ccd1;border-radius:4px;font:16px/1.5 var(--fb);background:#fff;color:var(--ink);appearance:none}
.cf-library-topics{display:flex;flex-wrap:wrap;gap:8px}
.cf-library-topics button{font:500 13px/1.5 var(--fb);padding:11px 16px;min-height:44px;border:1px solid #d5d8dc;border-radius:4px;background:#fff;color:#29313b;cursor:pointer}
.cf-library-topics button[aria-pressed=true]{background:var(--navy);border-color:var(--navy);color:#fff}
.cf-library-topics button:hover{border-color:#ad3400}
.cf-library-count{font-size:12px;color:#49525f;margin:18px 0 0}
.cf-library-empty{padding:32px 0;font-size:18px}
.idx-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;padding:20px 0 88px}
.idx-grid a.card{position:relative;min-width:0;border-radius:4px;padding:28px;gap:16px;box-shadow:none;transition:border-color .18s ease,background .18s ease;transform:none}
.idx-grid a.card:hover{border-color:#b5a28b;background:#fcfaf6;box-shadow:none;transform:none}
.idx-grid .tag{font:600 10px/1.6 var(--fb);letter-spacing:.1em;text-transform:uppercase;color:#ad3400}
.idx-grid h3{font-size:23px;line-height:1.3;font-weight:600;letter-spacing:-.025em;text-wrap:balance}
.idx-grid p{font-size:15px;line-height:1.75;color:#49525f}
.idx-grid .m{font-size:12px;color:#49525f}
.idx-grid a.card::after{content:'Read guide ↗';font:600 12px/1.5 var(--fb);color:#ad3400;margin-top:auto;padding-top:14px}
.idx-grid a.cf-featured-guide{grid-column:span 2;padding:36px;background:var(--navy);border-color:var(--navy)}
.idx-grid .cf-featured-guide h3{color:#fff;font-size:clamp(28px,3vw,38px);max-width:24ch}
.idx-grid .cf-featured-guide .tag,.idx-grid a.cf-featured-guide::after{color:#ffb495}
.idx-grid .cf-featured-guide p{color:#d9dee6;max-width:62ch;font-size:16px}
.idx-grid a.cf-featured-guide:hover{background:#1b2430}
.idx-grid a.cf-tool-guide{background:var(--cream);border-top:3px solid var(--orange)}
.idx-grid a.cf-tool-guide::after{content:'Open the planner ↗'}
.cf-library-tools~.idx-grid:has(a[hidden]) a.cf-featured-guide{grid-column:auto}
@media(max-width:1050px){.art-body>.art-wrap.cf-reading-layout{grid-template-columns:minmax(0,1fr);max-width:800px;gap:32px}.art-hero .art-wrap{max-width:800px}.cf-reading-aside{grid-row:1;position:static;max-height:none;border:1px solid var(--line);padding:18px 22px;background:var(--cream);border-radius:4px}.cf-library-back{margin-top:16px;padding-top:14px}.cf-reading-content{grid-row:2}.idx-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.idx-grid a.cf-featured-guide{grid-column:span 2}}
@media(max-width:600px){.art-hero,.idx-hero{padding:40px 0 32px}.art-hero h1{font-size:36px;margin:18px 0 24px;max-width:none}.art-meta{gap:8px 16px;font-size:12px;padding-top:16px}.art-body{padding:20px 0 40px}.art-body>.art-wrap.cf-reading-layout{padding:0 22px;gap:28px}.art-body .cf-reading-content p,.art-body .cf-reading-content>ul li,.art-body .cf-reading-content>ol li{font-size:18px;line-height:1.8}.art-body .cf-reading-content>p:first-child{font-size:20px;line-height:1.65}.art-body h2{font-size:25px;margin:36px 0 16px}.script-box,.faq-blk,.art-cta{padding:24px 20px}.art-body .script-box p{font-size:18px}.cf-reading-aside{padding:16px 18px}.idx-hero h1{font-size:39px!important}.idx-hero p{font-size:16px!important}.idx-grid{grid-template-columns:minmax(0,1fr);gap:16px}.idx-grid a.cf-featured-guide{grid-column:auto;padding:28px}.idx-grid a.card{padding:24px}.idx-grid h3{font-size:23px}.cf-library-tools{padding-top:28px}.cf-library-topics{gap:7px}.cf-library-topics button{padding:10px 12px;font-size:12px}}
@media(prefers-reduced-motion:reduce){.idx-grid a.card{transition:none}}
@media print{.cf-reading-aside,.cf-library-tools,.cf-editorial-skip{display:none!important}.art-body>.art-wrap.cf-reading-layout{display:block;max-width:none}.art-hero{padding-top:24px}.art-body .cf-reading-content p{font-size:12pt}.art-cta{break-inside:avoid}}

.cf-library-search input::placeholder{color:#69717a;opacity:1}

.cf-contents summary span::before{content:"+"}.cf-contents[open] summary span::before{content:"−"}