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var(--line);position:sticky;top:0;z-index:10}.header-row{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:1rem}.brand{font-size:1.05rem;font-weight:850;line-height:1.1;letter-spacing:-.035em;text-decoration:none;color:var(--navy);max-width:225px}.brand span{color:#315bb0}.menu-button{display:none;border:1px solid var(--line);background:white;color:var(--navy);border-radius:10px;padding:.6rem .8rem;font:inherit;font-weight:700}.main-nav{display:flex;align-items:center;gap:1.6rem}.main-nav a{text-decoration:none;font-weight:700;font-size:.94rem}.main-nav a[aria-current=page]{text-decoration:underline;text-decoration-color:var(--yellow);text-decoration-thickness:3px;text-underline-offset:7px}.hero{padding:clamp(2rem,6vw,5rem) 0 3rem}.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;align-items:center;gap:clamp(2rem,5vw,4.5rem)}.eyebrow{display:inline-flex;align-items:center;gap:.5rem;color:#22498f;font-size:.82rem;font-weight:850;text-transform:uppercase;letter-spacing:.09em}.eyebrow:before{content:"";width:23px;height:4px;border-radius:5px;background:var(--yellow)}h1,h2,h3{color:var(--navy);line-height:1.12;letter-spacing:-.045em;margin:0 0 1rem}h1{font-size:clamp(2.5rem,6.5vw,4.6rem);max-width:13ch}h2{font-size:clamp(1.8rem,4vw,2.65rem)}h3{font-size:1.25rem}.lead{font-size:clamp(1.08rem,2vw,1.25rem);color:var(--muted);max-width:58ch}.actions{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.6rem}.button{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;padding:.85rem 1.2rem;border-radius:12px;text-decoration:none;font-weight:800;border:2px solid var(--navy);background:var(--navy);color:#fff;transition:transform .16s ease,box-shadow .16s ease}.button:hover{color:#fff;transform:translateY(-2px);box-shadow:0 8px 18px #0b1f4d28}.button.secondary{background:var(--yellow);border-color:var(--yellow);color:var(--navy)}.button.light{background:#fff;color:var(--navy)}.photo-frame{position:relative;border-radius:28px;overflow:hidden;min-height:330px;background:#dfe7f4;box-shadow:var(--shadow)}.photo-frame img{width:100%;height:100%;min-height:330px;object-fit:cover;position:absolute;inset:0}.photo-frame:after{content:"";position:absolute;inset:60% 0 0;background:linear-gradient(transparent,#0b1f4d8c);pointer-events:none}.photo-label{position:absolute;left:1.2rem;bottom:1rem;z-index:1;color:#fff;font-size:.8rem;text-shadow:0 1px 7px #000}.photo-label a{color:#fff}.stats-strip{background:var(--navy);color:#fff;padding:1.1rem 0}.stats-row{display:flex;justify-content:center;gap:clamp(1rem,4vw,4rem);flex-wrap:wrap;text-align:center;font-weight:700}.stats-row strong{color:var(--yellow)}.section{padding:clamp(3rem,7vw,5.7rem) 0}.section-heading{max-width:700px;margin-bottom:2rem}.section-heading p{color:var(--muted);font-size:1.08rem}.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:0 8px 24px #0b1f4d08}.card-body{padding:1.25rem}.card p{color:var(--muted);margin:.45rem 0 1rem}.card a{font-weight:800}.thumb{aspect-ratio:16/10;background:#e6edf6;overflow:hidden}.thumb img{width:100%;height:100%;object-fit:cover;transition:transform .4s}.card:hover .thumb img{transform:scale(1.035)}.icon-card{padding:1.35rem;background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:0 8px 24px #0b1f4d08}.icon{width:52px;height:52px;color:var(--navy);background:#fff4c8;border-radius:15px;padding:11px;margin-bottom:1rem}.icon svg{width:100%;height:100%;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}.three-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;counter-reset:step}.step{background:#fff;border:1px solid var(--line);border-radius:18px;padding:1.35rem;position:relative}.step:before{counter-increment:step;content:"0" counter(step);display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--yellow);font-weight:900;color:var(--navy);margin-bottom:1rem}.step p{color:var(--muted);margin-bottom:0}.callout{padding:clamp(1.5rem,4vw,2.5rem);border-radius:24px;background:#e9f8ef;border:1px solid #b7ebc9}.callout h2{font-size:clamp(1.6rem,3vw,2.2rem)}.callout p{max-width:65ch;color:#304763}.photo-credit{font-size:.77rem;color:#65738a}.site-footer{background:#09193b;color:#dbe5f7;padding:3rem 0 1.5rem;margin-top:2rem}.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:2rem}.site-footer h2,.site-footer h3{color:white}.site-footer h2{font-size:1.15rem}.site-footer a{color:#e1eaff}.footer-links{display:grid;gap:.5rem}.footer-bottom{border-top:1px solid #314064;margin-top:2rem;padding-top:1rem;color:#afbed9;font-size:.9rem}.page-hero{padding:3.2rem 0 1rem}.page-hero h1{font-size:clamp(2.3rem,5.5vw,3.8rem);max-width:18ch}.prose{max-width:760px}.prose p,.prose li{color:#394b66}.prose h2{margin-top:2.2rem}.contact-box{background:white;padding:1.5rem;border-radius:18px;border:1px solid var(--line);margin:1rem 0}.contact-form{display:grid;gap:1rem}.contact-form label{font-weight:750}.contact-form input,.contact-form textarea{display:block;width:100%;padding:.8rem 1rem;margin-top:.35rem;border:1px solid #aebbd0;border-radius:10px;font:inherit}.contact-form textarea{min-height:150px}.notice{border-left:5px solid var(--yellow);padding:.7rem 1rem;background:#fff9e5;border-radius:0 12px 12px 0;color:#43516b}.not-found{text-align:center;padding:6rem 0}.not-found .number{font-size:clamp(5rem,18vw,10rem);font-weight:950;letter-spacing:-.1em;color:var(--yellow);text-shadow:4px 4px 0 var(--navy)}.fine-print{font-size:.88rem;color:#66748b}.no-image{background:linear-gradient(135deg,#edf2f8,#dce6f3)}@media(max-width:800px){.hero-grid{grid-template-columns:1fr}.photo-frame,.photo-frame img{min-height:280px}.card-grid{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}.main-nav{gap:1rem}}@media(max-width:620px){.header-row{min-height:68px}.menu-button{display:block}.main-nav{display:none;position:absolute;left:0;right:0;top:100%;padding:1rem;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 12px 20px #0b1f4d10;flex-direction:column;align-items:stretch;gap:.2rem}.main-nav.is-open{display:flex}.main-nav a{padding:.75rem 1rem;border-radius:9px}.main-nav 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.pinterest-follow{margin:2.5rem auto;padding:1.3rem 1.5rem;border:1px solid #e8c7d0;border-radius:18px;background:#fff7f8;display:flex;align-items:center;justify-content:space-between;gap:1rem}.pinterest-follow strong,.pinterest-follow span{display:block}.pinterest-follow strong{color:var(--navy);font-size:1.1rem}.pinterest-follow div span{color:var(--muted);font-size:.92rem}.pinterest-follow>a{display:inline-flex;align-items:center;gap:.4rem;padding:.72rem 1rem;background:#bd081c;color:#fff;border-radius:10px;text-decoration:none;font-weight:800;white-space:nowrap}.visual-gallery{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}.visual-gallery figure{margin:0;overflow:hidden;border-radius:18px;background:#e6edf6;box-shadow:var(--shadow)}.visual-gallery img{width:100%;aspect-ratio:4/3;object-fit:cover}.visual-gallery figcaption{padding:.9rem 1rem;font-weight:800;color:var(--navy)}@media(max-width:620px){.visual-gallery{grid-template-columns:1fr}.pinterest-follow{align-items:flex-start;flex-direction:column}}
.article-shell{width:min(calc(100% - 2rem),900px);margin-inline:auto}.article-head{padding:3rem 0 1.5rem}.breadcrumbs{font-size:.88rem;color:var(--muted);margin-bottom:1.25rem}.breadcrumbs ol{display:flex;gap:.45rem;list-style:none;padding:0;margin:0;flex-wrap:wrap}.breadcrumbs li+li:before{content:"/";margin-right:.45rem;color:#91a0b5}.article-head h1{max-width:20ch;font-size:clamp(2.25rem,5.5vw,4rem)}.article-meta{display:flex;align-items:center;gap:1rem;flex-wrap:wrap;color:var(--muted);font-size:.9rem;margin:1rem 0}.article-hero{width:100%;height:auto;aspect-ratio:1200/630;object-fit:cover;border-radius:24px;background:#e6edf6;box-shadow:var(--shadow);margin:1.2rem 0 2rem}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 220px;gap:2.5rem;align-items:start}.article-body{min-width:0;background:#fff;padding:clamp(1.2rem,4vw,2.5rem);border:1px solid var(--line);border-radius:22px}.article-body>p,.article-body li{color:#354762}.article-body h2{font-size:clamp(1.55rem,3.5vw,2.2rem);margin:2.3rem 0 .85rem}.article-body h3{margin:1.5rem 0 .6rem}.article-body p{margin:.85rem 0}.article-toc{position:sticky;top:100px;padding:1.1rem;background:#fff;border:1px solid var(--line);border-radius:16px}.article-toc strong{display:block;color:var(--navy);margin-bottom:.5rem}.article-toc ol{padding-left:1.2rem;margin:0;font-size:.88rem;line-height:1.5}.article-toc li{margin:.4rem 0}.article-toc a{text-decoration:none}.article-graphic{margin:1.7rem 0;padding:1rem;background:#f8faff;border:1px solid var(--line);border-radius:18px}.article-graphic svg{display:block;width:100%;height:auto;max-width:700px;margin:auto}.article-graphic figcaption{font-weight:800;color:var(--navy);padding:.75rem .25rem .1rem}.article-graphic figcaption span{display:block;font-weight:500;color:var(--muted);font-size:.9rem}.article-table-wrap{overflow-x:auto;margin:1.2rem 0}.article-table{width:100%;border-collapse:collapse;min-width:550px;font-size:.94rem}.article-table th,.article-table td{text-align:left;vertical-align:top;padding:.75rem;border-bottom:1px solid var(--line)}.article-table th{background:#eff3fa;color:var(--navy)}.checklist{padding:1rem 1.2rem;background:#f6f8fc;border-radius:14px}.checklist li{padding:.25rem 0}.pin-button{display:inline-flex;align-items:center;gap:.5rem;padding:.7rem 1rem;border-radius:10px;background:#bd081c;color:#fff;text-decoration:none;font-weight:850}.article-cta{padding:1.35rem;border-radius:16px;background:#fff7d9;border:1px solid #f1df9b;margin:2rem 0}.article-cta h2{margin:.2rem 0 .7rem;font-size:1.5rem}.related-guides{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin:1rem 0}.related-card{border:1px solid var(--line);border-radius:14px;overflow:hidden;text-decoration:none;background:white}.related-card img{width:100%;aspect-ratio:16/10;object-fit:cover;background:#e6edf6}.related-card span{display:block;padding:.8rem;font-weight:800;line-height:1.35}.article-faq details{border-bottom:1px solid var(--line);padding:.8rem 0}.article-faq summary{font-weight:800;color:var(--navy);cursor:pointer}.article-faq details p{margin:.6rem 0}.final-thoughts{background:#eaf8ef;border-radius:16px;padding:1.25rem;margin-top:2rem}.email-placeholder{border:2px dashed #9aabc3;border-radius:16px;padding:1.3rem;margin:2rem 0;text-align:center;background:#fbfcff}.email-placeholder p{margin:.45rem 0}.article-end{margin:2rem 0}.article-body svg text{font-family:system-ui,-apple-system,"Segoe UI",sans-serif;font-size:22px;font-weight:750;fill:#0b1f4d}.article-body svg .subtext{font-size:17px;font-weight:600;fill:#52617a}@media(max-width:800px){.article-layout{grid-template-columns:1fr}.article-toc{position:static;order:-1}.related-guides{grid-template-columns:1fr 1fr}}@media(max-width:560px){.article-shell{width:min(calc(100% - 1.25rem),900px)}.article-body{padding:1rem}.related-guides{grid-template-columns:1fr}.article-meta{gap:.5rem}.article-graphic{padding:.6rem}.article-body svg text{font-size:19px}.article-body svg .subtext{font-size:16px}}@media print{.article-toc,.pin-button,.related-guides,.email-placeholder,.pinterest-follow{display:none!important}.article-layout{display:block}.article-body{border:0;padding:0}.article-hero{box-shadow:none}.article-graphic{break-inside:avoid}}
.tracker-app{padding:1.25rem;background:#f4f7fc;border:1px solid var(--line);border-radius:18px;margin:1.5rem 0}.tracker-app h2{margin:.1rem 0 .4rem}.tracker-form{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr auto;gap:.7rem;align-items:end;margin:1rem 0}.tracker-form label{display:grid;gap:.25rem;font-size:.86rem;font-weight:800;color:var(--navy)}.tracker-form input,.tracker-form select,.tracker-table select{min-width:0;width:100%;padding:.7rem;border:1px solid #adbbcf;border-radius:9px;background:#fff;color:var(--ink);font:inherit}.tracker-form button,.tracker-actions button,.tracker-remove{border:0;border-radius:9px;padding:.72rem .9rem;background:var(--navy);color:#fff;font:inherit;font-weight:800;cursor:pointer}.tracker-table-wrap{overflow-x:auto;background:#fff;border-radius:12px;border:1px solid var(--line)}.tracker-table{width:100%;border-collapse:collapse;min-width:620px}.tracker-table th,.tracker-table td{text-align:left;padding:.7rem;border-bottom:1px solid var(--line);vertical-align:middle}.tracker-table th{background:#eaf0fa;color:var(--navy);font-size:.9rem}.tracker-table td{font-size:.93rem}.tracker-table tr:last-child td{border-bottom:0}.tracker-remove{background:#fce9ec;color:#87202e;padding:.45rem .65rem;font-size:.85rem}.tracker-empty{padding:1rem;text-align:center;color:var(--muted)}.tracker-totals{display:flex;flex-wrap:wrap;gap:1rem;margin:1rem 0}.tracker-total{flex:1;min-width:170px;padding:.9rem 1rem;border-radius:12px;background:#fff;border:1px solid var(--line)}.tracker-total span,.tracker-total strong{display:block}.tracker-total span{font-size:.86rem;color:var(--muted)}.tracker-total strong{font-size:1.25rem;color:var(--navy)}.tracker-actions{display:flex;gap:.6rem;flex-wrap:wrap}.tracker-actions .quiet{background:#e6edf6;color:var(--navy)}.tracker-note{font-size:.9rem;color:var(--muted)}@media(max-width:900px){.tracker-form{grid-template-columns:repeat(2,minmax(0,1fr))}.tracker-form button{grid-column:1/-1}}@media(max-width:560px){.tracker-form{grid-template-columns:1fr}.tracker-form button{grid-column:auto}.tracker-app{padding:.85rem}}@media print{.tracker-form,.tracker-actions,.tracker-remove,.tracker-note{display:none!important}.tracker-app{background:white;border:0;padding:0}.tracker-table{min-width:0}.tracker-table select{border:0;padding:0;background:transparent;appearance:none}.tracker-totals{break-inside:avoid}}


.term-calculator{padding:1.25rem;background:#f4f7fc;border:1px solid var(--line);border-radius:18px;margin:1.5rem 0}.term-calculator form{display:grid;grid-template-columns:1fr 1fr auto;gap:.8rem;align-items:end}.term-calculator label{display:grid;gap:.25rem;font-size:.9rem;font-weight:800;color:var(--navy)}.term-calculator input{width:100%;padding:.75rem;border:1px solid #adbbcf;border-radius:9px;background:#fff;font:inherit}.term-calculator button{border:0;border-radius:9px;padding:.75rem 1rem;background:var(--navy);color:#fff;font:inherit;font-weight:800;cursor:pointer}.term-calculator .reset{background:#e6edf6;color:var(--navy)}.term-calculator-result{margin-top:1rem;padding:1rem;background:#fff;border-radius:12px;border:1px solid var(--line)}.term-calculator-result p{margin:.2rem 0 .5rem}.term-calculator-result strong{color:var(--navy)}@media(max-width:560px){.term-calculator form{grid-template-columns:1fr}.term-calculator button{width:100%}}@media print{.term-calculator form{display:none}.term-calculator{border:1px solid #777;background:white}}


/* Clickable article index on the homepage. */
.home-article-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem}.home-article-card{display:flex;min-width:0;min-height:205px;flex-direction:column;align-items:flex-start;padding:1.2rem 1.15rem;border:1px solid var(--line);border-radius:18px;background:#fff;color:var(--ink);text-decoration:none;box-shadow:0 8px 24px #0b1f4d08;transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease}.home-article-card:hover{transform:translateY(-3px);border-color:#315bb0;color:var(--ink);box-shadow:0 14px 30px rgba(11,31,77,.12)}.home-article-card:focus-visible{outline:3px solid #315bb0;outline-offset:3px}.home-article-topic{margin-bottom:.65rem;color:#315bb0;font-size:.72rem;font-weight:850;letter-spacing:.07em;text-transform:uppercase}.home-article-card h3{margin:0 0 .55rem;color:var(--navy);font-size:1.13rem;line-height:1.24;letter-spacing:-.025em}.home-article-card p{margin:0 0 1rem;color:var(--muted);font-size:.9rem;line-height:1.5}.home-article-read{display:inline-flex;gap:.4rem;align-items:center;margin-top:auto;color:#173b71;font-size:.88rem;font-weight:850}.home-article-card:hover .home-article-read{color:#0b1f4d;text-decoration:underline;text-underline-offset:3px}.home-article-index-note{margin:1.5rem 0 0;text-align:center;color:var(--muted)}.home-article-index-note a{font-weight:850;color:#173b71}
@media(max-width:1050px){.home-article-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(max-width:760px){.home-article-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.home-article-card{min-height:190px}}
@media(max-width:430px){.home-article-grid{grid-template-columns:1fr}.home-article-card{min-height:0;padding:1rem}.home-article-card p{margin-bottom:.8rem}}

/* Three article previews at first; the accessible button reveals the rest. */
.home-article-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.home-article-card[hidden],.home-article-show-more[hidden]{display:none!important}.home-article-card{min-height:340px}.home-article-image{width:100%;aspect-ratio:16/9;object-fit:cover;border-radius:11px;margin:0 0 .85rem;background:#e6edf6}.home-article-show-more{display:flex;min-height:46px;align-items:center;justify-content:center;margin:1.25rem auto 0;padding:.7rem 1.3rem;border:2px solid var(--navy);border-bottom:4px solid var(--yellow);border-radius:10px;background:var(--navy);color:#fff;font:inherit;font-size:.92rem;font-weight:850;cursor:pointer;transition:transform .16s ease,background-color .16s ease}.home-article-show-more:hover{transform:translateY(-1px);background:#173b71}.home-article-show-more:focus-visible{outline:3px solid #315bb0;outline-offset:3px}
@media(max-width:760px){.home-article-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.home-article-card{min-height:320px}}
@media(max-width:430px){.home-article-grid{grid-template-columns:1fr}.home-article-card{min-height:0}.home-article-image{aspect-ratio:16/8.5}}

/* Print-ready cancellation checklist replaces the old email-form placeholder. */
.home-article-card-link{display:block;height:100%;color:inherit;text-decoration:none;font-weight:400}.home-article-card-link h2{color:var(--navy);font-size:1.25rem;line-height:1.2;margin:0 0 .55rem}.home-article-card-link p{color:var(--muted);font-weight:400}.home-article-read{display:inline-block;color:var(--navy);font-weight:850;text-decoration:underline;text-underline-offset:3px}.home-article-card-link:hover h2{text-decoration:underline;text-decoration-color:var(--yellow);text-decoration-thickness:3px;text-underline-offset:4px}.home-article-card-link:focus-visible{outline:3px solid #315bb0;outline-offset:-3px}.home-articles-more{text-align:center;margin-top:1.4rem}.home-articles-more .button{cursor:pointer}
@media(max-width:620px){.home-article-card-link h2{font-size:1.15rem}.home-articles-more .button{width:100%;max-width:360px}}
.site-header .brand{max-width:260px}
.site-header .brand:before{content:"";display:inline-block;width:38px;height:38px;margin-right:.55rem;vertical-align:middle;background:url("/assets/site-mark.svg") center/contain no-repeat}
@media(max-width:620px){.site-header .brand{max-width:205px;font-size:.98rem}.site-header .brand:before{width:36px;height:36px;margin-right:.45rem}}