.education [hidden]{display:none!important}.education .button-primary{transition:background .18s,border-color .18s}.education .button-primary:hover{background:var(--bronze-on-dark);color:var(--ink)}.learn-hero{background:var(--ink);color:var(--paper);padding:2rem clamp(1.25rem,5vw,5rem) 4.5rem}.breadcrumbs{color:#c2bdae;flex-wrap:wrap;gap:.65rem;margin-bottom:3rem;font-size:.8125rem;display:flex}.breadcrumbs a{text-underline-offset:.25rem;text-decoration:underline}.learn-hero .eyebrow{color:var(--bronze-on-dark);margin-bottom:1.4rem}.learn-hero-grid{grid-template-columns:minmax(0,1.25fr) minmax(0,.85fr);align-items:center;gap:clamp(2rem,5vw,5rem);max-width:90rem;margin-inline:auto;display:grid}.learn-hero h1{letter-spacing:-.045em;max-width:17ch;margin:0;font-size:clamp(2.5rem,4.5vw,4.75rem);font-weight:400;line-height:1.06}.learn-hero h1 span{color:var(--bronze-on-dark)}.learn-intro{color:#c2bdae;max-width:37rem;margin-block:1.6rem;font-size:1.125rem;line-height:1.75}.learn-meta{color:#c2bdae;flex-wrap:wrap;gap:.6rem 1.25rem;margin-top:2rem;font-size:.8125rem;display:flex}.learn-meta a{text-underline-offset:.2em;text-decoration:underline}.learn-hero .button{margin-top:.25rem}.risk-figure{border:1px solid var(--line-dark);background:var(--ink-soft);margin:0}.risk-figure img{width:100%;height:auto;display:block}.learning-figure{margin:2rem 0}.learning-figure img{width:100%;height:auto;display:block}.learning-figure figcaption{color:#53574f;padding:.75rem 0;font-size:.875rem;line-height:1.6}.learning-download{flex-wrap:wrap;gap:.5rem 1.5rem;margin-bottom:1.5rem;display:inline-flex}.learning-download span{font-size:.8125rem}.risk-figure figcaption{border-top:1px solid var(--line-dark);color:#c2bdae;margin:0;padding:1rem 1.4rem;font-size:.8125rem;line-height:1.6}.learn-summary{border-bottom:1px solid var(--line);grid-template-columns:12rem 1fr;gap:2rem;padding:2rem clamp(1.25rem,5vw,5rem);display:grid}.learn-summary .eyebrow{margin:.3rem 0 0}.learn-summary p:last-child{max-width:65rem;margin:0;font-size:1.125rem;line-height:1.75}.article-layout{grid-template-columns:12rem minmax(0,52rem);justify-content:center;gap:clamp(2rem,5vw,5rem);padding:4rem clamp(1.25rem,5vw,5rem) 5rem;display:grid}.article-toc{top:var(--header-offset,6rem);align-self:start;font-size:.875rem;position:sticky}.article-toc>p{letter-spacing:.16em;text-transform:uppercase;color:var(--bronze-on-light);margin:0 0 1rem;font-size:.6875rem;font-weight:700}.article-toc a{border-bottom:1px solid var(--line);padding:.7rem 0;display:block}.article-toc a:hover{color:var(--bronze-on-light)}.learn-body{min-width:0;font-size:1.0625rem;line-height:1.85}.learn-body section+section{border-top:1px solid var(--line);margin-top:3.5rem;padding-top:3rem}.learn-body h2{letter-spacing:-.03em;margin:0 0 1.25rem;font-size:clamp(1.8rem,3vw,2.5rem);font-weight:400;line-height:1.15}.learn-body h3{margin:1.75rem 0 .5rem;font-size:1.2rem;line-height:1.4}.learn-body p{margin:0 0 1.25rem}.learn-body li{margin-bottom:.75rem;padding-left:.25rem}.learn-body a:not(.button){text-underline-offset:.2rem;text-decoration:underline}.formula{border-left:3px solid var(--bronze);background:var(--paper-deep);margin-block:1.75rem;padding:1.5rem}.formula p:last-child{margin-bottom:0}.formula .formula-label{text-transform:uppercase;letter-spacing:.14em;color:var(--bronze-on-light);margin:0 0 .5rem;font-size:.6875rem;font-weight:700}.formula strong{font-size:1.25rem;font-weight:600}.example-grid{grid-template-columns:1fr 1fr;gap:1rem;margin-block:1.5rem;display:grid}.worked-example{border:1px solid var(--line);padding:1.5rem}.worked-example h3{margin-top:0}.worked-example dl{margin:1rem 0;font-size:.9375rem}.worked-example dl>div{border-bottom:1px solid var(--line);justify-content:space-between;gap:1rem;padding-block:.65rem;display:flex}.worked-example dd{text-align:right;margin:0;font-weight:700}.worked-example .example-answer{color:var(--bronze-on-light);letter-spacing:-.04em;margin:1rem 0 .25rem;font-size:2rem}.worked-example p:last-child{margin-bottom:0;font-size:.9375rem}.learn-note{color:#53574f;font-size:.9375rem}.calculator{background:var(--ink);color:var(--paper);margin-top:1.5rem;padding:clamp(1.25rem,3vw,2rem)}.calculator fieldset{border:0;min-width:0;margin:0;padding:0}.calculator-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:1.25rem;display:grid}.calculator label{margin-bottom:.4rem;font-size:.875rem;font-weight:700;display:block}.calculator input,.calculator select{width:100%;min-height:3.25rem;color:var(--paper);font:inherit;--lightningcss-light: ;--lightningcss-dark:initial;color-scheme:dark;background:#20251f;border:1px solid #77796e;border-radius:0;padding:.7rem .8rem;font-size:1rem}.calculator input[aria-invalid=true]{border:2px solid #f4b9a1}.calculator input:focus-visible,.calculator select:focus-visible{outline-color:var(--bronze-on-dark)}.calculator small{color:#c2bdae;margin-top:.4rem;font-size:.8125rem;line-height:1.6;display:block}.calculator-wide{grid-column:1/-1}.calculator-actions{flex-wrap:wrap;align-items:center;gap:1rem;margin-top:1.75rem;display:flex}.calculator button{cursor:pointer;font:inherit;font-size:.875rem}.calculator button[type=reset]{color:var(--paper);text-underline-offset:.25rem;background:0 0;border:0;padding:.75rem;text-decoration:underline}.calculator fieldset:disabled{opacity:.55}.calculator-error{color:#f4b9a1;font-size:.9375rem}.calculator-error:not(:empty){margin-top:1.25rem}.calculator-result{border-top:1px solid var(--line-dark);margin-top:1.75rem;padding-top:1.75rem}.calculator-result .eyebrow{color:var(--bronze-on-dark);margin-bottom:.5rem}.calculator-result .result-size{letter-spacing:-.04em;margin:0;font-size:clamp(2.5rem,5vw,4rem);line-height:1.1}.result-size span:last-child{letter-spacing:0;color:#c2bdae;font-size:1rem}.calculator-result dl{margin:1.5rem 0}.calculator-result dl>div{border-bottom:1px solid var(--line-dark);justify-content:space-between;gap:1rem;padding-block:.5rem;font-size:.9375rem;display:flex}.calculator-result dd{text-align:right;font-variant-numeric:tabular-nums;margin:0}.calculator-result p:not(.result-size):not(.eyebrow){color:#c2bdae;font-size:.875rem}.calculator-result p:last-child{margin-bottom:0}.learn-body details{border-bottom:1px solid var(--line);padding:1rem 0}.learn-body summary{cursor:pointer;padding-block:.35rem;font-weight:700;line-height:1.5}.learn-body details p{margin:1rem 0 .25rem}.learn-sources{font-size:.9375rem}.learn-next{background:var(--paper-deep);margin-top:3rem;padding:2rem}.learn-next h2{font-size:1.75rem}.learn-library{max-width:100rem;margin:auto;padding:3.5rem clamp(1.25rem,5vw,5rem) 5rem}.learn-library>p>.text-link{color:var(--ink);border-color:var(--bronze-on-light)}.learn-feature{border:1px solid var(--line);grid-template-columns:1fr 1fr;display:grid}.learn-feature-art{background:var(--ink-soft);place-items:center;padding:2rem;display:grid}.learn-feature-art img{width:100%;max-width:32rem;height:auto;display:block}.learn-feature-copy{align-self:center;padding:clamp(1.5rem,4vw,4rem)}.learn-feature-copy .eyebrow{margin-bottom:1.25rem}.learn-feature-copy h2{letter-spacing:-.04em;margin:0;font-size:clamp(2rem,3.2vw,3.25rem);font-weight:400;line-height:1.1}.learn-feature-copy p:not(.eyebrow){color:#53574f;line-height:1.8}.learn-feature-copy .text-link{margin-top:1rem}.learn-feature-copy .text-link,.learn-next .text-link{color:var(--ink);border-color:var(--bronze-on-light)}.learn-feature-copy .text-link:hover,.learn-next .text-link:hover{color:var(--bronze-on-light)}.guide-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:1.5rem;display:grid}.guide-card{border:1px solid var(--line);min-width:0}.guide-card>a{flex-direction:column;height:100%;text-decoration:none;display:flex}.guide-card img{background:var(--ink);width:100%;height:auto;display:block}.guide-card-copy{flex-direction:column;flex:1;padding:1.6rem;display:flex}.guide-card h2,.guide-card h3{letter-spacing:-.025em;margin:.5rem 0 1rem;font-size:1.65rem;font-weight:400;line-height:1.2}.guide-card-copy>p:not(.eyebrow){color:#53574f;line-height:1.75}.guide-card-foot{color:var(--bronze-on-light);justify-content:space-between;gap:1rem;margin-top:auto;padding-top:1.25rem;font-size:.8125rem;display:flex}.guide-card a:hover h2,.guide-card a:hover h3{text-underline-offset:.2em;text-decoration:underline}.library-overview h2,.learning-path h2,.topic-heading h2{letter-spacing:-.03em;margin:0 0 1rem;font-size:clamp(1.8rem,3vw,2.6rem);font-weight:400;line-height:1.15}.library-overview>p:not(.eyebrow),.learning-path>div>p:not(.eyebrow),.topic-heading p:not(.eyebrow){color:#53574f;max-width:46rem;line-height:1.75}.topic-navigation ul{flex-wrap:wrap;gap:.75rem;margin:1.75rem 0 0;padding:0;list-style:none;display:flex}.topic-navigation li{min-width:0}.topic-navigation a{border:1px solid var(--line);flex-wrap:wrap;align-items:baseline;gap:.35rem 1rem;min-height:2.75rem;padding:.8rem 1rem;font-size:.9375rem;display:flex}.topic-navigation a:hover{background:var(--paper-deep);border-color:var(--bronze-on-light)}.topic-navigation a span{color:#53574f;font-size:.75rem}.learning-path{border-top:3px solid var(--bronze);background:var(--paper-deep);margin-top:3rem;padding:clamp(1.25rem,3vw,2.5rem)}.learning-path ol{grid-template-columns:repeat(3,minmax(0,1fr));gap:1.5rem 2.5rem;margin:2rem 0 0;padding-left:1.5rem;display:grid}.learning-path li{padding-left:.25rem}.learning-path li::marker{color:var(--bronze-on-light);font-size:.8125rem;font-weight:700}.learning-path li a{text-underline-offset:.2em;font-weight:700;text-decoration:underline}.learning-path li p{color:#53574f;margin:.55rem 0 0;font-size:.875rem;line-height:1.65}.education-topic{border-top:1px solid var(--line);margin-top:4rem;padding-top:2.5rem}.topic-heading{flex-wrap:wrap;justify-content:space-between;align-items:start;gap:1rem 2rem;margin-bottom:1.75rem;display:flex}.topic-heading>div{flex:28rem}.topic-heading .eyebrow{margin-bottom:.8rem}.topic-heading p:last-child{margin-bottom:0}.topic-back{min-height:2.75rem;color:var(--bronze-on-light);text-underline-offset:.2em;flex-shrink:0;align-items:center;gap:1rem;font-size:.8125rem;text-decoration:underline;display:inline-flex}.topic-tools{border:1px solid var(--line);border-top:0;padding:1.25rem 1.5rem}.topic-tools .eyebrow{margin:0 0 .75rem}.topic-tools ul{flex-wrap:wrap;gap:.5rem 1.75rem;margin:0;padding:0;list-style:none;display:flex}.topic-tools a{text-underline-offset:.2em;padding-block:.5rem;font-size:.875rem;text-decoration:underline;display:inline-block}.learn-library>.learn-note{margin-top:3rem}.download-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:1.5rem;display:grid}.download-card{border:1px solid var(--line);background:var(--paper-deep);flex-direction:column;padding:clamp(1.25rem,3vw,2rem);display:flex}.download-card h3{margin:.5rem 0;font-size:1.6rem;font-weight:400;line-height:1.25}.download-card>p:not(.eyebrow){color:#53574f;line-height:1.7}.download-card .text-link{color:var(--ink);border-color:var(--bronze-on-light);margin-top:auto}.download-guide{text-underline-offset:.2em;margin-top:1rem;font-size:.8125rem}.library-foundation{margin-top:3.5rem}.editorial-note{border-top:1px solid var(--line);background:var(--paper-deep);padding:3rem clamp(1.25rem,5vw,5rem)}.editorial-note h2{letter-spacing:-.03em;font-size:clamp(1.8rem,3vw,2.5rem);font-weight:400}.editorial-note p:not(.eyebrow){color:#53574f;max-width:65rem;line-height:1.8}.editorial-note a{text-underline-offset:.2em;text-decoration:underline}.related-guides{border-top:1px solid var(--line);margin-top:3rem;padding-top:2rem}.article-service-inline{border-left:3px solid var(--bronze);background:var(--paper-deep);flex-wrap:wrap;align-items:center;gap:1.25rem 2rem;margin-block:2.5rem;padding:1.5rem;display:flex}.article-service-inline>div{flex:22rem;min-width:0}.article-service-inline .eyebrow{margin:0 0 .65rem;font-size:.6875rem}.article-service-inline h3{margin:0 0 .6rem;font-size:1.25rem}.article-service-inline p:last-child{color:#53574f;margin:0;font-size:.9375rem;line-height:1.7}.article-service-inline .text-link{color:var(--ink);border-color:var(--bronze-on-light)}.article-service-closing{background:var(--ink);color:var(--paper);margin-block:3rem;padding:clamp(1.5rem,4vw,3rem)}.article-service-closing .eyebrow{color:var(--bronze-on-dark);margin-bottom:1rem}.article-service-closing h2{max-width:20ch;font-size:clamp(2rem,3vw,2.75rem)}.article-service-closing>p:not(.eyebrow){color:#c2bdae;font-size:1rem}.article-service-actions{flex-wrap:wrap;align-items:center;gap:1rem 1.5rem;margin:1.75rem 0 1rem;display:flex}.article-service-closing .service-detail-link{min-height:2.75rem;color:var(--paper);align-items:center;gap:.75rem;font-size:.875rem;line-height:1.5;display:inline-flex}.article-service-closing .service-detail-link:hover{color:var(--bronze-on-dark)}.article-service-closing .service-terms,.article-service-closing .service-disclosure{font-size:.8125rem;line-height:1.7}.article-membership{border-top:1px solid var(--line-dark);flex-wrap:wrap;align-items:center;gap:1rem 2rem;margin-top:1.75rem;padding-top:1.75rem;display:flex}.article-membership>div{flex:20rem;min-width:0}.article-membership .eyebrow{margin-bottom:.6rem;font-size:.6875rem}.article-membership h3{margin:0 0 .5rem;font-size:1.5rem;font-weight:400}.article-membership p:last-child{color:#c2bdae;margin:0;font-size:.9375rem;line-height:1.7}.article-service-closing .service-disclosure{border-top:1px solid var(--line-dark);margin:1.75rem 0 0;padding-top:1.25rem}.article-service-closing .service-disclosure a{color:inherit}.learn-table-wrap{margin:1.75rem 0;overflow-x:auto}.learn-table{border-collapse:collapse;text-align:left;width:100%;font-size:.9375rem}.learn-table caption{text-align:left;color:#53574f;padding-bottom:.8rem;font-size:.8125rem}.learn-table th,.learn-table td{border-bottom:1px solid var(--line);vertical-align:top;padding:.9rem .7rem}.learn-table thead{background:var(--paper-deep)}[id^=historical-] .learn-table{min-width:36rem}[id^=historical-] .learn-table :is(th,td){overflow-wrap:normal;word-break:normal}[id^=historical-] .learn-table td:nth-child(3){white-space:nowrap;font-variant-numeric:tabular-nums}.inline-diagram{margin:2rem 0}.inline-diagram img{width:100%;height:auto;display:block}.inline-diagram figcaption{color:#53574f;padding-top:.75rem;font-size:.875rem}.chart-comparison{gap:1.5rem;display:grid}.chart-comparison .inline-diagram{margin:0}.chart-comparison img{max-width:30rem;margin-inline:auto}.contract-specimen{background:var(--paper-deep);border-top:3px solid var(--bronze);margin-block:2rem;padding:clamp(1.1rem,3vw,2rem)}.contract-specimen h3{margin-top:.75rem}.contract-specimen dl{margin:0}.contract-specimen dl>div{border-top:1px solid var(--line);padding-block:1.1rem}.contract-specimen dt{color:#53574f;margin-bottom:.35rem;font-size:.8125rem}.contract-specimen dd{margin:0}.contract-specimen dd span{margin-top:.4rem;font-size:.9375rem;display:block}@media (width>=1250px){.chart-comparison{grid-template-columns:repeat(2,minmax(0,1fr))}}.signal-ticket{background:var(--paper-deep);border-left:3px solid var(--bronze);margin:1.5rem 0;padding:1.5rem}.signal-ticket h3{margin-top:.5rem}.signal-ticket dl>div{border-bottom:1px solid var(--line);justify-content:space-between;gap:1rem;padding:.5rem 0;display:flex}.signal-ticket dd{font-variant-numeric:tabular-nums;text-align:right;margin:0}.learn-next .back-library{margin:1.5rem 0 0;font-size:.875rem}.session-clock .eyebrow{color:var(--bronze-on-dark)}.session-clock .clock-now{letter-spacing:-.025em;font-size:clamp(1.6rem,3vw,2.5rem);line-height:1.3}.session-clock .clock-help{color:#c2bdae;margin-top:1rem;font-size:.8125rem;line-height:1.6}.clock-scale{color:#c2bdae;justify-content:space-between;gap:.5rem;margin-top:1.75rem;font-size:.6875rem;display:flex}.session-row{border-bottom:1px solid var(--line-dark);grid-template-columns:1fr auto;align-items:center;gap:.5rem;padding:1.25rem 0;display:grid}.session-row h3{margin:0;font-size:1.25rem}.session-row>p{color:#c2bdae;grid-column:1/-1;margin:0;font-size:.8125rem}.session-status{text-align:center;border:1px solid #77796e;padding:.2rem .5rem;font-size:.6875rem}.session-status.is-active{color:var(--bronze-on-dark);border-color:var(--bronze-on-dark)}.session-bars{grid-column:1/-1;grid-template-columns:repeat(24,minmax(0,1fr));gap:2px;margin-top:.5rem;display:grid}.session-bars span{background:#353c34;height:.75rem}.session-bars .session-hour-active{background:var(--bronze-on-dark)}.session-clock .overlap-note{border-left:2px solid var(--bronze-on-dark);margin:1.5rem 0 0;padding-left:1rem;font-size:.9375rem}@media (width<=1100px){.guide-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (width<=600px){.guide-grid,.session-row{grid-template-columns:1fr}.session-status{justify-self:start}.learn-table th,.learn-table td{padding-inline:.35rem}}@media (width<=950px){.learning-path ol{grid-template-columns:repeat(2,minmax(0,1fr))}.learn-hero-grid{grid-template-columns:1fr}.learn-hero h1{max-width:22ch}.risk-figure{max-width:35rem}.article-layout{grid-template-columns:1fr;padding-top:2rem}.article-toc{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:1.25rem;display:grid;position:static}.article-toc>p{grid-column:1/-1}.learn-summary{grid-template-columns:1fr;gap:.8rem}}@media (width<=600px){.download-grid,.learning-path ol{grid-template-columns:1fr}.learn-hero{padding-bottom:2.5rem}.breadcrumbs{margin-bottom:2rem}.example-grid,.calculator-grid,.learn-feature{grid-template-columns:1fr}.learn-body{font-size:1rem}.learn-feature-art{padding:1rem}.learn-next{padding:1.5rem}}