:root{
  --tl-navy:#071a39;
  --tl-navy-2:#112341;
  --tl-navy-3:#173052;
  --tl-blue:#2b5d93;
  --tl-blue-soft:#eef4fa;
  --tl-ink:#10213a;
  --tl-muted:#66788f;
  --tl-line:#dce3ec;
  --tl-soft:#f6f8fb;
  --tl-white:#fff;
  --tl-shell:min(1180px,calc(100% - 40px));
}
.tl-main{font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--tl-ink);background:#fff}
.tl-shell{width:var(--tl-shell);margin:0 auto}
.tl-eyebrow,.tl-kicker{margin:0 0 12px;color:var(--tl-blue);font-size:10px;line-height:1.3;font-weight:850;letter-spacing:.16em;text-transform:uppercase}
.tl-hero{padding:56px 0 42px;border-bottom:1px solid var(--tl-line);background:#fff}
.tl-breadcrumbs{display:flex;flex-wrap:wrap;gap:7px;align-items:center;margin:0 0 28px;color:#8290a2;font-size:11px}
.tl-breadcrumbs a{color:#5d728b;text-decoration:none}.tl-breadcrumbs a:hover{color:var(--tl-blue)}
.tl-hero-grid{display:grid;grid-template-columns:1.07fr .93fr;gap:78px;align-items:end}
.tl-hero h1{margin:0;max-width:780px;color:var(--tl-navy);font-size:clamp(34px,3.9vw,52px);line-height:1.08;letter-spacing:-.045em;font-weight:720}
.tl-hero-copy{max-width:560px;justify-self:end}
.tl-hero-copy>p{margin:0;color:var(--tl-muted);font-size:15px;line-height:1.78}
.tl-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
.tl-btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 17px;border-radius:4px;font-size:12px;font-weight:850;text-decoration:none;transition:.2s ease}
.tl-btn-primary{background:var(--tl-navy);color:#fff}.tl-btn-primary:hover{background:var(--tl-blue);color:#fff}
.tl-btn-secondary{border:1px solid #cad5e2;background:#fff;color:var(--tl-navy)}.tl-btn-secondary:hover{border-color:#9eb1c5;background:#f8fbff}
.tl-meta{display:flex;flex-wrap:wrap;gap:8px 14px;margin-top:18px;color:#8896a7;font-size:10.5px}
.tl-topic-nav{display:flex;gap:26px;overflow:auto;white-space:nowrap;margin-top:36px;padding-top:15px;border-top:1px solid var(--tl-line)}
.tl-topic-nav a{color:#31465f;font-size:10.5px;font-weight:850;letter-spacing:.04em;text-transform:uppercase;text-decoration:none}.tl-topic-nav a:hover{color:var(--tl-blue)}
.tl-answer{background:var(--tl-navy);color:#fff;border-bottom:1px solid #203958}
.tl-answer-grid{display:grid;grid-template-columns:150px 1fr;gap:34px;padding:26px 0}
.tl-answer-label{color:#c9d8e9;font-size:10px;font-weight:850;letter-spacing:.15em;text-transform:uppercase}
.tl-quick-answer{margin:0;max-width:890px;color:#c4d0df;font-size:14px;line-height:1.78}.tl-quick-answer strong{color:#fff}
.tl-answer-list{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:18px 0 0;padding:0;list-style:none}.tl-answer-list li{border:1px solid #2b4565;background:var(--tl-navy-2);padding:12px 14px;color:#bcc9d9;font-size:11.5px;line-height:1.55}.tl-answer-list strong{display:block;color:#fff;font-size:12px;margin-bottom:3px}
.tl-ad{padding:18px 0;border-bottom:1px solid #edf1f5;background:#fafbfd;text-align:center}.tl-ad-label{margin:0 0 5px;color:#9ba8b8;font-size:8.5px;letter-spacing:.13em;text-transform:uppercase}
.tl-section{padding:72px 0}.tl-section-alt{background:var(--tl-soft)}
.tl-section-head{display:grid;grid-template-columns:1.05fr .95fr;gap:70px;align-items:end;margin-bottom:34px}.tl-section-head h2,.tl-dark h2,.tl-faq h2,.tl-sources h2,.tl-related h2{margin:0;color:var(--tl-navy);font-size:clamp(26px,3vw,38px);line-height:1.14;letter-spacing:-.035em;font-weight:700}.tl-section-head>p{margin:0;color:var(--tl-muted);font-size:13.5px;line-height:1.78}
.tl-use-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.tl-use-card{min-height:220px;padding:22px;border:1px solid var(--tl-line);background:#fff}.tl-use-card span{display:block;margin-bottom:32px;color:#8796a8;font-size:10px}.tl-use-card h3{margin:0;color:var(--tl-navy);font-size:18px;line-height:1.35;font-weight:680}.tl-use-card p{margin:10px 0 0;color:#6a7a8e;font-size:12.5px;line-height:1.72}
.tl-dark{padding:74px 0;background:var(--tl-navy);color:#fff}.tl-dark .tl-kicker{color:#c9d8e9}.tl-dark h2{color:#fff;max-width:720px;font-weight:540}.tl-guidance-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:34px}.tl-guidance-card{min-height:240px;padding:24px;border:1px solid #314969;background:var(--tl-navy-2)}.tl-guidance-card>span{display:block;margin-bottom:30px;color:#cbd8e8;font-size:11px}.tl-guidance-card h3{margin:0;color:#fff;font-size:17px;font-weight:600;line-height:1.38}.tl-guidance-card p{margin:14px 0 0;color:#bcc8d8;font-size:12.5px;line-height:1.78}
.tl-steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--tl-line);border-left:1px solid var(--tl-line)}.tl-step{padding:22px;border-right:1px solid var(--tl-line);border-bottom:1px solid var(--tl-line);background:#fff}.tl-step-num{display:block;margin-bottom:28px;color:var(--tl-blue);font-size:10px;font-weight:850}.tl-step h3{margin:0;color:var(--tl-navy);font-size:16px;line-height:1.4}.tl-step p{margin:9px 0 0;color:#6b7b8f;font-size:12px;line-height:1.72}
.tl-note{margin-top:22px;padding:16px 18px;border-left:3px solid var(--tl-blue);background:var(--tl-blue-soft);color:#425a75;font-size:12.5px;line-height:1.72}
.tl-faq{padding:72px 0;background:#fff}.tl-faq-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:72px;align-items:start}.tl-faq-intro{position:sticky;top:118px}.tl-faq-intro>p:not(.tl-kicker){color:var(--tl-muted);font-size:12.5px;line-height:1.75}.tl-faq-list{border-top:1px solid var(--tl-line)}.tl-faq details{border-bottom:1px solid var(--tl-line)}.tl-faq summary{cursor:pointer;list-style:none;padding:18px 34px 18px 0;color:var(--tl-navy);font-size:14px;font-weight:750;position:relative}.tl-faq summary::-webkit-details-marker{display:none}.tl-faq summary:after{content:"+";position:absolute;right:2px;top:15px;color:var(--tl-blue);font-size:21px;font-weight:400}.tl-faq details[open] summary:after{content:"−"}.tl-faq details p{margin:0;padding:0 30px 18px 0;color:#68788b;font-size:12.5px;line-height:1.78}
.tl-evidence{padding:62px 0;background:var(--tl-soft);border-top:1px solid #eef2f6}.tl-evidence-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px}.tl-sources h2,.tl-related h2{font-size:24px}.tl-source-list,.tl-related-list{display:grid;gap:10px;margin-top:20px}.tl-source{display:block;padding:15px 16px;border:1px solid var(--tl-line);background:#fff;text-decoration:none}.tl-source strong{display:block;color:var(--tl-navy);font-size:12.5px}.tl-source span{display:block;margin-top:4px;color:#708096;font-size:11.5px;line-height:1.55}.tl-source:hover{border-color:#b7c5d5}.tl-related-list{grid-template-columns:1fr 1fr}.tl-related-list a{padding:13px 14px;border:1px solid var(--tl-line);background:#fff;color:#31557d;font-size:11.5px;font-weight:750;text-decoration:none}.tl-related-list a:hover{color:var(--tl-navy);border-color:#b7c5d5}
.tl-editorial{margin-top:20px;color:#7d8b9d;font-size:10.5px;line-height:1.65}
.tl-final{padding:58px 0;background:#0a1d3b;color:#fff}.tl-final-grid{display:grid;grid-template-columns:1fr auto;gap:40px;align-items:center}.tl-final h2{margin:0;max-width:760px;color:#fff;font-size:clamp(25px,3vw,38px);line-height:1.18;letter-spacing:-.03em;font-weight:600}.tl-final .tl-kicker{color:#c9d8e9}.tl-final .tl-btn-primary{background:#fff;color:var(--tl-navy)}.tl-final .tl-btn-primary:hover{background:#e9f0f7;color:var(--tl-navy)}
@media(max-width:900px){.tl-hero-grid,.tl-section-head,.tl-faq-grid,.tl-evidence-grid{grid-template-columns:1fr;gap:26px}.tl-hero-copy{max-width:none;justify-self:start}.tl-use-grid,.tl-guidance-grid{grid-template-columns:1fr 1fr}.tl-steps{grid-template-columns:1fr 1fr}.tl-faq-intro{position:static}.tl-final-grid{grid-template-columns:1fr}.tl-answer-list{grid-template-columns:1fr 1fr}}
@media(max-width:600px){:root{--tl-shell:min(100% - 28px,1180px)}.tl-hero{padding:36px 0 28px}.tl-hero h1{font-size:34px}.tl-topic-nav{gap:18px}.tl-answer-grid{grid-template-columns:1fr;gap:8px}.tl-answer-list,.tl-use-grid,.tl-guidance-grid,.tl-steps,.tl-related-list{grid-template-columns:1fr}.tl-section,.tl-faq{padding:56px 0}.tl-dark{padding:58px 0}.tl-actions{flex-direction:column}.tl-btn{width:100%}.tl-guidance-card{min-height:auto}.tl-use-card{min-height:auto}}