:root{--font-serif: "Source Serif 4", "Iowan Old Style", "Palatino Linotype", Georgia, serif;--font-body: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;--paper: #fbfcfd;--white: #ffffff;--paper-2: #eef1f5;--line: #d5dbe3;--ink: #1a2230;--ink-soft: #5b7089;--navy: #152c4e;--navy-hover: #20406e;--accent: #3a5a86;--verified: #1f7a5a;--verified-soft: #e2efe9;--flag: #b0472e;--flag-soft: #f4e5e0;--caution: #8a5a12;--caution-soft: #f7efdf;--gold: #c6851c;--gold-hover: #a86f14;--on-navy: #eef3f8;--on-navy-soft: #aab6c6;--on-navy-caption: #8fa0b5;--navy-tint: rgba(21, 44, 78, .1);--navy-tint-bd: rgba(21, 44, 78, .18);--backdrop: rgba(21, 44, 78, .45);--radius-btn: 6px;--radius-field: 8px;--radius-card: 12px;--bg: var(--paper);--sf: var(--white);--sf2: var(--paper-2);--bd: var(--line);--bd2: #c5cedb;--primary: var(--navy);--primary-hov: var(--navy-hover);--tx: var(--ink);--txd: var(--ink-soft);--txm: #64728a;--ac: var(--gold);--acd: var(--gold-hover);--red: var(--flag);--red-bg: var(--flag-soft);--red-bd: rgba(176, 71, 46, .28);--grn: var(--verified);--grn-bg: var(--verified-soft);--grn-bd: rgba(31, 122, 90, .28);--caution-bg: var(--caution-soft);--caution-bd: rgba(138, 90, 18, .28)}*{box-sizing:border-box;margin:0;padding:0}body{font-family:var(--font-body);color:var(--ink);background:var(--paper);-webkit-font-smoothing:antialiased}button,input,select,textarea{font-family:inherit}::-webkit-scrollbar{width:6px}::-webkit-scrollbar-track{background:var(--bg)}::-webkit-scrollbar-thumb{background:var(--bd2);border-radius:3px}.layout{display:flex;flex-direction:column;min-height:100vh;background:var(--bg);color:var(--tx);font-family:var(--font-body);font-size:16px}.topnav{background:#f6f3ece0;-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);border-bottom:1px solid var(--bd);height:64px;display:flex;align-items:center;justify-content:space-between;padding:0 28px;flex-shrink:0;position:sticky;top:0;z-index:50;gap:20px}.topnav-logo{font-family:var(--font-serif);font-size:19px;font-weight:600;color:var(--tx);letter-spacing:-.02em;white-space:nowrap;display:flex;align-items:center;gap:8px}.topnav-mark,.au-mark{display:block;flex-shrink:0;color:var(--navy)}.au-mark{color:var(--white)}.topnav-link{color:var(--txd);font-size:15px;font-weight:500;text-decoration:none;transition:color .15s;cursor:pointer}.topnav-link:hover{color:var(--primary)}.nav-auth-full{display:flex;align-items:center;gap:12px;flex-shrink:0}.nav-auth-compact{display:none;position:relative;flex-shrink:0}.nav-acct-btn{width:38px;height:38px;border-radius:50%;border:1px solid var(--bd2);background:var(--sf2);color:var(--primary);font-weight:700;font-size:15px;cursor:pointer;font-family:inherit}.nav-acct-menu{position:absolute;top:46px;right:0;background:var(--white);border:1px solid var(--line);border-radius:10px;min-width:220px;padding:8px;display:flex;flex-direction:column;gap:2px}.nav-acct-id{padding:8px 10px;font-size:13px;color:var(--tx);font-weight:600;border-bottom:1px solid var(--bd);margin-bottom:4px;display:flex;align-items:center;gap:8px}.nav-acct-item{padding:9px 10px;border:none;background:transparent;border-radius:7px;color:var(--txd);font-size:14px;font-weight:600;text-align:left;cursor:pointer;font-family:inherit}.nav-acct-item:hover{background:var(--bg);color:var(--tx)}.content-area{display:flex;flex:1;overflow:hidden}.sb{width:260px;min-width:260px;background:var(--sf2);border-right:1px solid var(--bd);display:flex;flex-direction:column;height:calc(100vh - 64px);position:sticky;top:64px;overflow:hidden}.sb-brand{padding:16px 14px;border-bottom:1px solid var(--bd);display:flex;align-items:center;gap:12px}.sb-mark{width:42px;height:42px;background:#152c4e1a;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;border:1px solid rgba(21,44,78,.15);color:var(--primary)}.sb-name{font-weight:700;font-size:15px;color:var(--tx)}.sb-sub{font-size:11px;color:var(--txm);margin-top:2px}.sb-search{padding:10px 10px 4px;flex-shrink:0}.sb-search-in{width:100%;min-height:40px;padding:9px 12px;border:1px solid var(--bd2);border-radius:8px;background:var(--sf);color:var(--tx);font-size:14px;font-family:inherit}.sb-search-in::placeholder{color:var(--txm)}.sb-search-in:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px var(--navy-tint)}.sb-list{flex:1;overflow-y:auto;padding:8px;display:flex;flex-direction:column;gap:1px}.sb-group{display:flex;flex-direction:column;gap:1px;margin-bottom:10px}.sb-group-hd{font-family:var(--font-body);font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--ink-soft);padding:8px 12px 5px}.sb-empty{font-size:13px;color:var(--txm);padding:12px;line-height:1.5}.sb-btn{display:flex;align-items:center;gap:10px;min-height:40px;padding:9px 12px;background:transparent;border:none;border-radius:7px;color:var(--txd);font-size:14px;cursor:pointer;text-align:left;font-family:inherit;transition:all .15s}.sb-btn:hover{background:var(--bd);color:var(--tx)}.sb-btn.act{background:var(--navy-tint);color:var(--navy);font-weight:600;border:1px solid var(--navy-tint-bd)}.sb-ico{width:24px;display:flex;align-items:center;justify-content:center;flex-shrink:0;opacity:.7}.sb-btn.act .sb-ico{opacity:1}.sb-ft{padding:12px 14px;border-top:1px solid var(--bd);display:flex;flex-direction:column;gap:6px}.sb-copy{font-size:11px;color:var(--txm);padding:0 10px 2px;text-transform:uppercase;letter-spacing:.7px}.mn{flex:1;min-width:0;overflow-y:auto;height:calc(100vh - 64px)}.btn-primary{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:13px 22px;background:var(--navy);border:1px solid var(--navy);border-radius:var(--radius-btn);color:var(--white);font-size:15px;font-weight:600;cursor:pointer;font-family:var(--font-body);transition:background .15s;text-decoration:none}.btn-primary:hover{background:var(--primary-hov)}.btn-ghost{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:13px 22px;background:transparent;border:1px solid var(--navy);border-radius:var(--radius-btn);color:var(--navy);font-size:15px;font-weight:600;cursor:pointer;font-family:var(--font-body);transition:background .15s,color .15s;text-decoration:none}.btn-ghost:hover{background:var(--navy);color:var(--white)}.btn-primary:active,.btn-ghost:active,.gen:active,.cp-pri:active{transform:translateY(1px)}.sec-hd{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px;padding-bottom:10px;border-bottom:1px solid var(--line)}.sec-title{font-family:var(--font-serif);font-size:25px;font-weight:600;letter-spacing:-.01em;color:var(--ink)}.pick{width:100%;max-width:1080px;margin:0 auto;padding:56px 28px 80px}.pick-hd{max-width:760px;margin-bottom:44px}.pick-band{max-width:none;margin:0 0 44px;padding:44px 40px 40px;background:var(--navy);border-radius:var(--radius-card);color:var(--white)}.pick-band .pick-eyebrow{color:var(--gold)}.pick-band .pick-t{color:var(--white)}.pick-band .pick-s{color:#dfe6ef}.band-ghost{border-color:#ffffff8c;color:var(--white)}.band-ghost:hover{background:var(--white);color:var(--navy)}.pick-review{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;margin-top:40px;padding:22px 26px;border:1px solid var(--line);border-radius:var(--radius-card);background:var(--white)}.pick-review-t{font-family:var(--font-serif);font-size:1.15rem;font-weight:600;color:var(--ink);margin:0 0 6px}.pick-review-s{font-size:.95rem;color:var(--ink-soft);margin:0;max-width:60ch}.pick-review-btn{min-height:44px;padding:11px 20px;font-size:14px;flex-shrink:0}.sb-group-review{margin-top:6px;padding-top:10px;border-top:1px solid var(--line)}.pick-eyebrow{font-size:.72rem;text-transform:uppercase;letter-spacing:.18em;font-weight:600;color:var(--accent);margin-bottom:16px}.pick-t{font-family:var(--font-serif);font-size:clamp(2.1rem,4.4vw,3.05rem);font-weight:600;letter-spacing:-.01em;line-height:1.12;color:var(--ink);margin:0 0 18px;max-width:21ch}.pick-s{font-size:1.18rem;color:var(--ink-soft);max-width:58ch;line-height:1.6;margin:0 0 24px}.pick-actions{display:flex;gap:12px;flex-wrap:wrap}.pick-group{margin-bottom:36px}.pick-group-hd{font-family:var(--font-body);font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.14em;color:var(--ink-soft);margin:0 0 12px;padding-bottom:8px;border-bottom:1px solid var(--line)}.pick-note{font-size:.85rem;color:var(--ink-soft);margin-top:8px}.hero-g{display:grid;grid-template-columns:1fr 1fr;gap:0 48px;border-bottom:1px solid var(--line)}.hc-tool{display:block;font-size:14px;color:var(--ink-soft);margin-top:3px;line-height:1.4}.hc{display:grid;grid-template-columns:56px 1fr auto;gap:0 16px;align-items:start;padding:20px 0 22px;background:transparent;border:none;border-top:1px solid var(--line);border-radius:0;cursor:pointer;text-align:left;font-family:inherit;transition:color .15s;color:inherit;width:100%}.hc:hover .hc-lbl,.hc:focus-visible .hc-lbl{color:var(--navy);text-decoration:underline;text-decoration-color:var(--gold);text-decoration-thickness:1px;text-underline-offset:3px}.hc:focus-visible{outline:2px solid var(--navy);outline-offset:2px}.hc-ico{width:56px;height:56px;min-width:56px;display:flex;align-items:center;justify-content:center;flex-shrink:0;color:var(--accent);margin-top:2px}.hc-body{display:block;min-width:0}.hc-lbl{display:block;font-size:1.25rem;font-weight:600;color:var(--tx);line-height:1.28;font-family:var(--font-serif)}.hc-kpis{display:block;margin-top:10px;font-size:.72rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--ink-soft);line-height:1.7}.hc-start{font-size:.72rem;font-weight:600;text-transform:uppercase;letter-spacing:.1em;color:var(--ink-soft);white-space:nowrap;margin-top:6px}.hc:hover .hc-start{color:var(--accent)}.kpi-chip{display:inline}.kpi-chip+.kpi-chip:before{content:" · ";color:var(--line)}.sp-wrap{max-width:1100px;width:100%;margin-top:56px;border:1px solid var(--bd);border-radius:10px;overflow:hidden;background:var(--sf)}.sp-hd{display:flex;justify-content:space-between;align-items:center;padding:20px 26px;border-bottom:1px solid var(--bd);background:var(--sf2);gap:16px;flex-wrap:wrap}.sp-badge{display:inline-block;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--primary);background:#152c4e12;border:1px solid rgba(21,44,78,.18);padding:4px 12px;border-radius:4px;margin-bottom:8px}.sp-desc{font-size:15px;color:var(--txd)}.sp-tbl-wrap{overflow-x:auto}.sp-tbl{width:100%;border-collapse:collapse;font-size:15px}.sp-tbl th{padding:12px 22px;background:var(--sf2);color:var(--txd);font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;text-align:left;border-bottom:1px solid var(--bd);white-space:nowrap}.sp-tbl td{padding:13px 22px;border-bottom:1px solid var(--bd);vertical-align:top}.sp-tbl tr:last-child td{border-bottom:none}.sp-tbl tr:hover td{background:#152c4e05}.sp-tbl .c-metric{color:var(--tx);font-weight:600}.sp-tbl .c-formula{color:var(--ink-soft);font-size:13px;white-space:nowrap}.sp-tbl .c-base{color:var(--txd)}.sp-tbl .c-target{color:var(--grn);font-weight:600}.sp-tbl .c-red{color:var(--flag)}.sp-tbl .c-yel{color:var(--caution)}.sp-tbl .c-grn{color:var(--verified)}.sp-ft{display:flex;align-items:center;justify-content:center;gap:14px;padding:18px 26px;border-top:1px solid var(--bd);font-size:15px;color:var(--txd);flex-wrap:wrap}.kov{position:fixed;top:0;right:0;bottom:0;left:0;background:var(--backdrop);z-index:2000;display:flex;align-items:center;justify-content:center;padding:20px}.km{background:var(--sf);border:1px solid var(--bd);border-radius:12px;width:100%;max-width:380px;overflow:hidden}.km-hd{display:flex;justify-content:space-between;align-items:center;padding:16px 20px;border-bottom:1px solid var(--bd)}.km-t{font-family:var(--font-serif);font-size:17px;font-weight:600;color:var(--navy)}.km-x{background:transparent;border:none;color:var(--txd);font-size:20px;cursor:pointer;padding:0;line-height:1;font-family:inherit;min-width:44px;min-height:44px;display:inline-grid;place-items:center;margin:-12px -12px -12px 0}.km-ft{display:flex;padding:16px 20px;border-top:1px solid var(--bd)}.km-save{width:100%;padding:13px 22px;background:var(--navy);border:none;border-radius:var(--radius-btn);color:var(--white);font-size:15px;font-weight:600;cursor:pointer;font-family:inherit;transition:background .15s}.km-save:hover{background:var(--primary-hov)}.ws{max-width:720px;margin:0 auto;padding:40px 36px 64px}.ws-hd{display:flex;align-items:center;gap:16px;margin-bottom:32px}.ws-ico{width:56px;height:56px;background:#152c4e14;border-radius:12px;display:flex;align-items:center;justify-content:center;border:1px solid rgba(21,44,78,.15);flex-shrink:0;color:var(--primary)}.ws-t{font-size:24px;font-weight:600;letter-spacing:-.01em;color:var(--tx);font-family:var(--font-serif)}.ws-st{font-size:14px;color:var(--txd);margin-top:3px}.fg{display:flex;flex-direction:column;gap:0;margin-bottom:24px}.fs{padding:22px 0 8px;border-top:1px solid var(--line)}.fs-hd{font-family:var(--font-body);font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.14em;color:var(--ink-soft);margin:0 0 18px}.fi{display:grid;grid-template-columns:32px 1fr;grid-template-rows:auto auto;column-gap:0;row-gap:6px;margin-bottom:20px}.fi-n{grid-row:1 / span 2;font-family:var(--font-serif);font-size:1.1rem;line-height:1.1;color:var(--accent);padding-top:1px}.fi label,.fi select,.fi input,.fi textarea{grid-column:2}.fi.full{grid-column:auto}.fi textarea{padding:11px 14px;background:var(--sf);border:1px solid var(--bd2);border-radius:8px;color:var(--tx);font-size:15px;font-family:inherit;outline:none;resize:vertical;min-height:80px;transition:border-color .15s,box-shadow .15s}.fi textarea:focus{border-color:var(--navy);box-shadow:0 0 0 3px #152c4e1a}.gen-wrap{border-top:1px solid var(--line);padding-top:22px}.fstep-rail,.fstep-nav,.fs-step{display:none}.fs-hd{display:flex;align-items:baseline;gap:10px}.fs-opt{margin-left:auto;font-size:.68rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-soft)}.ground-pick{display:block;width:100%;padding:18px 16px;background:transparent;border:1px dashed var(--bd2);border-radius:var(--radius-card);text-align:center;cursor:pointer;font-family:inherit;transition:border-color .15s}.ground-pick:hover{border-color:var(--navy)}.ground-cta{display:block;font-size:15px;font-weight:600;color:var(--navy);margin-bottom:4px}.ground-fine{display:block;font-size:13px;color:var(--ink-soft)}.ground-on{display:flex;align-items:center;gap:12px;flex-wrap:wrap;font-size:13px;background:var(--verified-soft);border:1px solid var(--grn-bd);border-radius:var(--radius-card);padding:10px 14px;color:var(--verified)}.ground-acts{margin-left:auto;display:flex;gap:6px}.ground-act{background:none;border:1px solid var(--grn-bd);border-radius:6px;padding:4px 10px;font-size:12px;cursor:pointer;color:var(--verified);font-family:inherit;min-height:32px}.nav-signin{min-height:40px;padding:8px 18px;border-radius:7px;border:none;background:var(--primary);color:#fff;font-size:13px;font-weight:700;cursor:pointer;font-family:inherit;flex-shrink:0;transition:background .15s}.fi label{font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.8px;color:var(--ink-soft)}.fi select,.fi input,.fi textarea{min-height:44px;padding:11px 14px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius-field);color:var(--ink);font-size:15px;font-family:inherit;outline:none;transition:border-color .15s,box-shadow .15s}.fi select:focus,.fi input:focus,.fi textarea:focus{border-color:var(--navy);box-shadow:0 0 0 3px var(--navy-tint)}.fi select{cursor:pointer;-webkit-appearance:none;-moz-appearance:none;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' fill='%235b7089'%3E%3Cpath d='M2 4l5 5 5-5'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 13px center;padding-right:36px;background-color:var(--white)}.fi input::placeholder{color:var(--txm)}.err{background:var(--red-bg);border:1px solid var(--red-bd);color:var(--red);padding:11px 16px;border-radius:8px;font-size:14px;margin-bottom:18px}.gen{width:100%;padding:15px 22px;background:var(--navy);border:none;border-radius:var(--radius-btn);color:var(--white);font-size:16px;font-weight:600;cursor:pointer;font-family:var(--font-body);transition:background .15s}.gen:hover{background:var(--primary-hov)}.gen.ld{opacity:.65;cursor:wait}.oz{margin-top:32px;border:1px solid var(--bd);border-radius:10px;overflow:hidden;background:var(--sf)}.oz-hd{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:10px;padding:13px 18px;background:var(--sf2);border-bottom:1px solid var(--bd)}.rs-ov{position:fixed;top:64px;left:260px;right:0;bottom:0;background:var(--backdrop);z-index:900;display:flex;justify-content:center;align-items:flex-start;padding:28px 24px;overflow:auto}.oz.rs{margin-top:0;width:100%;max-width:880px;max-height:100%;display:flex;flex-direction:column;border-radius:12px;outline:none}.oz.rs>:last-child{overflow:auto;flex:1;min-height:0}.rs-nav{display:flex;gap:18px;margin-right:6px}.rs-link{background:none;border:none;font-family:inherit;font-size:13px;font-weight:600;color:var(--txd);cursor:pointer;padding:0;min-height:32px;text-decoration:none}.rs-link:hover{color:var(--primary)}.rs-x{width:36px;height:36px;margin-left:auto;background:none;border:none;font-size:22px;line-height:1;color:var(--txd);cursor:pointer;font-family:inherit;border-radius:6px}.rs-x:hover{color:var(--primary);background:#152c4e0f}.rs-open{padding:7px 12px;border:1px solid var(--navy);border-radius:var(--radius-btn);background:transparent;color:var(--navy);font-size:13px;font-weight:600;cursor:pointer;font-family:inherit}.rs-open:hover{background:var(--navy);color:var(--white)}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}body :focus-visible{outline:2px solid var(--navy);outline-offset:2px}.kov.lib-ov{justify-content:flex-end;align-items:stretch;padding:0;top:64px}.km.lib-sheet{max-width:480px;width:100%;height:100%;border-radius:0;border-width:0 0 0 1px;display:flex;flex-direction:column}.lib-hd{display:flex;align-items:flex-start;justify-content:space-between;padding:18px 22px 14px;border-bottom:1px solid var(--bd)}.lib-eyebrow{font-size:.72rem;text-transform:uppercase;letter-spacing:.18em;font-weight:600;color:var(--accent);margin:0 0 4px}.lib-t{font-family:var(--font-serif);font-size:17px;font-weight:600;color:var(--navy)}.lib-x{width:44px;height:44px;margin:-8px -10px 0 0;border-radius:6px}.lib-x:hover{background:#152c4e0f;color:var(--primary)}.lib-list{flex:1;overflow-y:auto;padding:6px 10px}.lib-ft{padding:12px 22px;border-top:1px solid var(--bd);background:var(--sf2);font-size:12px;color:var(--txd)}@media (max-width:760px){.kov.lib-ov{top:64px}.km.lib-sheet{max-width:none;border-width:0}}.oz-t{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:var(--txd)}.cp{padding:6px 14px;background:transparent;border:1px solid var(--navy);border-radius:var(--radius-btn);color:var(--navy);font-size:13px;font-weight:600;cursor:pointer;font-family:inherit;transition:background .15s,color .15s}.cp:hover{background:var(--navy);color:var(--white)}.cp-pri{padding:6px 14px;background:var(--navy);border:1px solid var(--navy);border-radius:var(--radius-btn);color:var(--white);font-size:13px;font-weight:600;cursor:pointer;font-family:inherit;transition:background .15s}.cp-pri:hover{background:var(--primary-hov)}.md-out{padding:24px 28px;font-size:15px;line-height:1.8;color:var(--tx);overflow-x:auto}.md-out h2,.md-out .md-h2{font-size:19px;font-weight:600;color:var(--ink);margin:24px 0 10px;font-family:var(--font-serif)}.md-out h3,.md-out .md-h3{font-size:16px;font-weight:600;color:var(--ink);margin:18px 0 8px;font-family:var(--font-serif)}.md-out p{margin:0 0 12px;color:var(--txd)}.md-out strong{color:var(--tx)}.md-out .table-wrap{overflow-x:auto;margin:12px 0 20px;border-radius:8px;border:1px solid var(--bd)}.md-out table{width:100%;border-collapse:collapse;font-size:14px}.md-out td{padding:10px 14px;border-bottom:1px solid var(--bd);color:var(--tx);vertical-align:top}.md-out tr:first-child td{background:var(--sf2);font-weight:700;font-size:12px;text-transform:uppercase;letter-spacing:.4px;color:var(--txd)}.md-out tr:last-child td{border-bottom:none}.md-out tr:hover td{background:var(--sf2)}.mtog{position:fixed;top:12px;left:12px;z-index:1001;background:var(--navy);border:none;color:var(--white);font-size:20px;width:40px;height:40px;border-radius:var(--radius-btn);cursor:pointer;display:none;align-items:center;justify-content:center}.sbo{position:fixed;top:0;right:0;bottom:0;left:0;background:var(--backdrop);z-index:999;display:none}.spinner{display:inline-block;width:14px;height:14px;border:2px solid var(--primary);border-top-color:transparent;border-radius:50%;animation:spin 1s linear infinite}@keyframes spin{to{transform:rotate(360deg)}}.gen-skeleton{padding:28px;display:flex;flex-direction:column;gap:14px}.sk-row{display:flex;gap:12px;align-items:center}.sk-bar{background:var(--sf2);border-radius:5px;animation:skpulse 1.5s ease-in-out infinite}@keyframes skpulse{0%,to{opacity:.4}50%{opacity:.9}}.gen-loading-overlay{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px;padding:52px 28px}.gen-spinner{width:36px;height:36px;border:3px solid var(--bd);border-top-color:var(--primary);border-radius:50%;animation:spin .8s linear infinite}.gen-loading-label{font-size:14px;color:var(--txd);font-weight:500;letter-spacing:.2px;transition:opacity .3s}.gen-loading-note{font-size:12px;color:var(--txd);opacity:.7;margin-top:-6px}.gen-loading-elapsed{font-size:11px;color:var(--txd);opacity:.55;font-variant-numeric:tabular-nums;letter-spacing:.3px}.gen-prog-track{width:100%;max-width:420px;height:6px;background:var(--sf2);border-radius:99px;overflow:hidden}.gen-prog-fill{height:100%;background:var(--primary);border-radius:99px;position:relative;overflow:hidden;transition:width .7s cubic-bezier(.4,0,.2,1)}.gen-prog-fill:after{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:linear-gradient(90deg,transparent,rgba(255,255,255,.5),transparent);transform:translate(-100%);animation:progshimmer 1.7s ease-in-out infinite}@keyframes progshimmer{0%{transform:translate(-100%)}60%,to{transform:translate(100%)}}.gen-steps{display:flex;flex-direction:column;gap:13px;width:100%;max-width:420px;margin:2px 0}.gen-step{display:flex;align-items:center;gap:11px;font-size:14px;transition:opacity .3s}.gen-step-ico{width:20px;height:20px;flex:0 0 20px;display:flex;align-items:center;justify-content:center}.gen-step-label{color:var(--txd);font-weight:500;transition:color .3s,font-weight .3s}.gen-step.pending{opacity:.42}.gen-step.pending .gen-step-label{font-weight:400}.gen-step.active .gen-step-label{color:var(--tx);font-weight:600}.gen-step-hollow{width:9px;height:9px;border-radius:50%;border:2px solid var(--bd)}.gen-step-dot{width:11px;height:11px;border-radius:50%;background:var(--primary);animation:stepdotpulse 1.3s ease-in-out infinite}@keyframes stepdotpulse{0%,to{transform:scale(.68);box-shadow:0 0 #152c4e59}50%{transform:scale(1);box-shadow:0 0 0 5px #152c4e00}}.gen-step-check{color:var(--verified);animation:checkpop .38s cubic-bezier(.34,1.56,.64,1)}@keyframes checkpop{0%{transform:scale(0)}70%{transform:scale(1.18)}to{transform:scale(1)}}@media (prefers-reduced-motion:reduce){.gen-prog-fill:after,.gen-step-dot,.gen-step-check,.spinner,.gen-spinner,.sk-bar{animation:none}.gen-step-dot{transform:scale(.85)}*{transition:none!important}}.ot-wrap{margin-bottom:22px}.ot-label{font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.8px;color:var(--txd);margin-bottom:10px}.ot-cards{display:flex;gap:12px}.ot-card{flex:1;padding:16px 18px;border:1px solid var(--line);border-radius:var(--radius-card);background:var(--white);cursor:pointer;font-family:inherit;text-align:left;transition:border-color .15s,background .15s}.ot-card:hover{border-color:var(--navy)}.ot-card.sel{border-color:var(--navy);background:var(--navy-tint)}.ot-ico{margin-bottom:8px;display:flex;align-items:center;color:var(--txd)}.ot-card.sel .ot-ico{color:var(--primary)}.ot-name{font-size:15px;font-weight:700;color:var(--tx);margin-bottom:3px}.ot-card.sel .ot-name{color:var(--primary)}.ot-fmts{font-size:12px;color:var(--txm)}@media (max-width:760px){.sb{position:fixed;left:-280px;z-index:1000;transition:left .25s ease;width:260px;top:0;height:100vh}.sb.open{left:0}.sbo.vis{display:block}.mtog{display:flex}.topnav{padding-left:62px}.nav-auth-full{display:none}.nav-auth-compact{display:block}.fg{grid-template-columns:1fr}.ws{padding:64px 18px 52px}.pick{padding:24px 16px 60px}.pick-band{padding:28px 22px 26px;margin-bottom:28px}.pick-review{padding:18px}.pick-review-btn{width:100%}.pick-hd{margin-bottom:32px}.hero-g{grid-template-columns:1fr}.rs-ov{left:0;padding:12px 10px}.oz.rs{border-radius:10px}.rs-x{width:44px;height:44px}.rs-link{min-height:44px}.hc{grid-template-columns:44px 1fr;padding:16px 0 18px;gap:0 14px}.hc-ico{width:44px;height:44px;min-width:44px}.hc-ico svg{width:44px;height:44px}.hc-lbl{font-size:1.15rem}.hc-start{grid-column:2;margin-top:10px}.sp-hd{flex-direction:column;align-items:flex-start}button,[role=button],select,textarea,input:not([type=checkbox]):not([type=radio]){min-height:44px}.pick-actions .btn-ghost{flex:1 1 100%}}@media (max-width:460px){.pick-t{font-size:1.95rem}}.pov{position:fixed;top:0;right:0;bottom:0;left:0;background:var(--backdrop);z-index:3001;display:flex;align-items:flex-start;justify-content:center;overflow:auto;padding:24px}.pnl{background:var(--white);color:var(--ink);border:1px solid var(--line);border-radius:var(--radius-card);width:100%;max-width:760px;padding:28px}.pnl.wide{max-width:940px}.pnl-hd{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:8px}.pnl-t{font-family:var(--font-serif);font-size:1.6rem;font-weight:600;color:var(--navy);letter-spacing:-.01em;line-height:1.2;margin:0}.pnl-x{background:none;border:none;font-size:22px;line-height:1;cursor:pointer;color:var(--ink-soft);padding:4px}.pnl-x:hover{color:var(--ink)}.pnl-lede{font-size:.9rem;color:var(--ink-soft);line-height:1.55;margin-bottom:16px}.pnl-lede strong{color:var(--ink)}.pnl-row{display:flex;gap:10px;align-items:center;flex-wrap:wrap;margin-bottom:14px}.pnl-select,.pnl-input{min-height:44px;padding:10px 14px;font-size:14px;border:1px solid var(--line);border-radius:var(--radius-field);background:var(--white);color:var(--ink);font-family:inherit;outline:none;transition:border-color .15s,box-shadow .15s}.pnl-select:focus,.pnl-input:focus{border-color:var(--navy);box-shadow:0 0 0 3px var(--navy-tint)}.pnl-select{cursor:pointer;-webkit-appearance:none;-moz-appearance:none;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' fill='%235b7089'%3E%3Cpath d='M2 4l5 5 5-5'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 13px center;padding-right:36px}.pnl-input.grow{flex:1 1 100%}.pnl-file{font-size:13px;color:var(--ink-soft)}.pnl-file::file-selector-button{min-height:36px;padding:0 14px;margin-right:10px;border:1px solid var(--navy);border-radius:var(--radius-btn);background:transparent;color:var(--navy);font-family:inherit;font-size:13px;font-weight:600;cursor:pointer}.pnl-file::file-selector-button:hover{background:var(--navy);color:var(--white)}.pnl-help{font-size:12px;color:var(--ink-soft);width:100%;line-height:1.5}.pnl-help strong{color:var(--ink)}.pnl-eyebrow{font-size:.72rem;text-transform:uppercase;letter-spacing:.18em;font-weight:600;color:var(--accent);margin-bottom:6px}.pnl-t:focus{outline:none}.pnl-t:focus-visible{outline:2px solid var(--navy);outline-offset:4px;border-radius:2px}.pnl-body{display:flex;flex-direction:column;gap:14px}.pnl-cause{font-size:.95rem;color:var(--ink);line-height:1.55;margin:0}.pnl-actions{display:flex;gap:10px;flex-wrap:wrap}.pnl-links{display:flex;gap:22px;padding-top:12px;border-top:1px solid var(--line)}.pnl-link{background:none;border:none;padding:0;font:inherit;font-size:.92rem;font-weight:600;color:var(--accent);text-decoration:underline;text-underline-offset:3px;cursor:pointer;min-height:44px}.pnl-link:hover{color:var(--navy)}.pnl-fine{font-size:.8rem;color:var(--ink-soft);margin-bottom:10px}.ledger{margin:0 0 18px;padding:0 0 14px;border-bottom:1px solid var(--line);display:grid;gap:6px}.ledger-row{display:flex;justify-content:space-between;align-items:baseline;gap:16px}.ledger-row dt{font-size:.72rem;text-transform:uppercase;letter-spacing:.12em;font-weight:700;color:var(--ink-soft)}.ledger-row dd{margin:0;font-size:.9rem;color:var(--ink);text-align:right;word-break:break-word}.offer{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:18px 0;border-top:1px solid var(--line)}.offer-label{font-size:.72rem;text-transform:uppercase;letter-spacing:.12em;font-weight:700;color:var(--accent);margin-bottom:6px}.offer-price{font-family:var(--font-serif);font-size:2.4rem;line-height:1;color:var(--ink);margin-bottom:6px}.offer-fine{font-size:.8rem;color:var(--ink-soft);max-width:34ch}.offer-soon{text-align:right}.offer .btn-primary,.offer .btn-gold{flex-shrink:0}.offer-band{background:var(--navy);border:1px solid var(--navy);border-top-color:var(--navy);color:var(--on-navy);margin:0 -28px;padding:22px 28px}.offer-band .offer-label{color:var(--gold)}.offer-band .offer-price{color:var(--on-navy)}.offer-band .offer-fine{color:var(--on-navy-soft)}.btn-gold{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:13px 22px;background:var(--gold);border:1px solid var(--gold);border-radius:var(--radius-btn);color:var(--ink);font-size:15px;font-weight:600;cursor:pointer;font-family:var(--font-body);transition:background .15s}.btn-gold:hover{background:var(--gold-hover)}.chip-ok{background:var(--verified-soft);color:var(--verified);border:1px solid var(--grn-bd)}.chip-flag{background:var(--flag-soft);color:var(--flag);border:1px solid var(--red-bd)}.chip-plain{background:var(--paper-2);color:var(--ink);border:1px solid var(--line)}@media (max-width:760px){.offer{flex-direction:column;align-items:stretch}.offer .btn-primary,.offer .btn-gold{width:100%}.offer-soon{text-align:left}.offer-band{margin:0 -20px;padding:20px}.pnl{padding:20px}.ledger-row{flex-direction:column;gap:2px}.ledger-row dd{text-align:left}}.chip{display:inline-block;border-radius:var(--radius-btn);padding:2px 8px;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;white-space:nowrap;line-height:1.6}.au-card{display:grid;grid-template-columns:288px minmax(0,1fr);width:100%;max-width:720px;background:var(--sf);border:1px solid var(--bd);border-radius:12px;overflow:hidden;font-family:var(--font-body)}.au-side{background:var(--navy);color:#eef3f8;padding:28px 26px;display:flex;flex-direction:column}.au-brand{display:flex;align-items:center;gap:8px;font-family:var(--font-serif);font-size:1.2rem;font-weight:600;color:#eef3f8}.au-line{font-family:var(--font-serif);font-size:1.7rem;line-height:1.15;font-weight:600;color:var(--white);margin:36px 0 0;max-width:9ch}.au-fine{margin-top:auto;padding-top:28px;font-size:12px;line-height:1.5;color:#aab6c6}.au-main{min-width:0}.au-hd{display:flex;justify-content:space-between;align-items:flex-start;padding:22px 22px 14px;border-bottom:1px solid var(--bd)}.au-eyebrow{font-size:.72rem;text-transform:uppercase;letter-spacing:.18em;font-weight:600;color:var(--accent);margin:0 0 4px}.au-t{font-family:var(--font-serif);font-size:17px;font-weight:600;color:var(--navy)}.au-reason{font-size:12px;color:var(--txd);margin-top:4px}.au-x{width:44px;height:44px;margin:-10px -12px 0 0;background:none;border:none;color:var(--txd);font-size:20px;line-height:1;cursor:pointer;border-radius:6px;font-family:inherit}.au-x:hover{color:var(--primary);background:#152c4e0f}.au-lbl{font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.8px;color:var(--ink-soft)}.au-lbl-row{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-top:4px}.au-forgot{background:none;border:none;padding:0;color:var(--accent);font-size:12px;font-weight:600;cursor:pointer;font-family:inherit;text-decoration:underline;text-underline-offset:2px}@media (max-width:720px){.au-card{grid-template-columns:1fr;max-width:420px}.au-side{padding:18px 20px}.au-line{font-size:1.25rem;margin-top:12px;max-width:none}.au-fine{display:none}}.rv-jump{display:flex;gap:18px;flex-wrap:wrap;padding:8px 0 12px;margin-bottom:14px;border-bottom:1px solid var(--line);position:sticky;top:-28px;background:var(--white);z-index:2}.rv-jump-link{background:none;border:none;padding:6px 0;font:inherit;font-size:.78rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--accent);cursor:pointer}.rv-jump-link:hover{color:var(--navy);text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:3px}.rv-letter{background:var(--paper-2);border:1px solid var(--line);border-radius:12px;padding:18px 20px;margin-bottom:18px;scroll-margin-top:60px}.rv-h{font-family:var(--font-serif);font-size:1.05rem;font-weight:600;color:var(--ink);scroll-margin-top:60px}.rv-note{padding:12px 0;border-top:1px solid var(--line)}.rv-note:last-child{border-bottom:1px solid var(--line)}.rv-note-hd{display:flex;align-items:center;gap:10px;margin-bottom:6px}.rv-note-sec{font-size:12px;color:var(--ink-soft)}.rv-table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:8px;margin:6px 0 4px}.rv-table{width:100%;border-collapse:collapse;font-size:13px;background:var(--white)}.rv-table th{text-align:left;font-size:11px;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-soft);background:var(--paper-2);padding:8px 12px;border-bottom:1px solid var(--line)}.rv-table td{padding:9px 12px;border-bottom:1px solid var(--line);vertical-align:top;font-variant-numeric:tabular-nums}.rv-table tr:last-child td{border-bottom:0}.rv-td-note{color:var(--ink-soft);font-size:12px}.rv-foot{position:sticky;bottom:-28px;background:var(--white);border-top:1px solid var(--line);margin:18px -28px -28px;padding:14px 28px 18px;z-index:2}#rv-coverage,#rv-notes,#rv-figures{scroll-margin-top:60px}.oz-ctl{display:flex;align-items:center;gap:10px;flex-wrap:wrap}@media (max-width:760px){.ws{padding-bottom:52px}.fstep-rail{display:flex;gap:8px;list-style:none;margin:18px 0 4px;padding:0}.fstep-rail li{flex:1;height:6px;border-radius:3px;background:var(--line)}.fstep-rail li.on{background:var(--navy)}.fg .fs{display:none;border-top:0;padding-top:14px}.fg .fs.cur{display:block}.fs-step{display:inline}.fs-hd{font-family:var(--font-serif);font-size:1.35rem;font-weight:600;text-transform:none;letter-spacing:0;color:var(--ink);padding-bottom:10px;border-bottom:1px solid var(--line);margin-bottom:20px}.fs-opt{font-family:var(--font-body)}.fstep-nav{display:flex;flex-direction:column;gap:10px;margin-bottom:18px}.fstep-next{width:100%;min-height:48px;padding:12px 22px;background:var(--navy);border:none;border-radius:var(--radius-btn);color:var(--white);font-size:16px;font-weight:600;cursor:pointer;font-family:var(--font-body)}.fstep-back{align-self:flex-start;background:none;border:none;padding:8px 0;color:var(--navy);font-size:15px;font-weight:600;cursor:pointer;font-family:inherit}.gen-wrap{display:none}.fg-last~.gen-wrap{display:block}.sb-btn,.nav-signin{min-height:44px}.oz.rs .oz-hd{padding:12px 14px}.rs-nav{width:100%}.km.lib-sheet .lib-list span{white-space:normal!important}.rv-jump{row-gap:0;gap:0 16px}.rv-jump-link{padding:8px 0}}.rv-confirm-wrap{max-height:380px;overflow:auto;border:1px solid var(--line);border-radius:8px}.rv-confirm{width:100%;border-collapse:collapse;font-size:12.5px}.rv-confirm th{background:var(--paper-2);text-align:left;padding:8px 6px;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--ink)}.rv-confirm td{padding:8px 6px;border-top:1px solid var(--line);vertical-align:top}.rv-confirm tr.off td{color:var(--ink-soft)}.rv-confirm-name{font-weight:600;color:var(--ink);min-width:140px}.rv-confirm-val{width:110px;font-size:12.5px;border:1px solid var(--line);border-radius:6px;padding:6px 8px;min-height:36px;font-family:inherit}.rv-confirm-unit,.rv-confirm-where{color:var(--ink-soft)}.rv-confirm-quote{color:var(--ink-soft);font-size:11px;margin-top:2px}.rv-confirm input[type=checkbox]{width:20px;height:20px;margin:2px}@media (max-width:760px){.rv-confirm thead{display:none}.rv-confirm,.rv-confirm tbody{display:block}.rv-confirm tr{display:block;padding:10px 8px;border-top:1px solid var(--line)}.rv-confirm td{display:flex;flex-wrap:wrap;align-items:baseline;gap:4px 8px;border:0;padding:3px 0}.rv-confirm td:before{content:attr(data-l);flex:0 0 56px;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-soft)}.rv-confirm td[data-l=Use]{align-items:center}.rv-confirm-name{min-width:0}.rv-confirm-val{width:140px}.rv-confirm-quote{flex-basis:100%;margin-left:64px}}