/* Payments Field Notes — paper, ink and the movement between institutions. */
:root{--paper:#f7f5ef;--white:#fffefa;--ink:#1b3447;--muted:#5d686b;--line:#d9ded6;--navy:#193449;--amber:#e5ae44;--sage:#e6ebe1;--mono:"Cascadia Code",Consolas,"Courier New",monospace;--serif:Georgia,"Times New Roman",serif;--sans:"Segoe UI",Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:108px}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.6 var(--sans);-webkit-font-smoothing:antialiased}a{color:inherit}button,input,select{font:inherit}button,a,input,select,summary{-webkit-tap-highlight-color:transparent}button,a{touch-action:manipulation}button{cursor:pointer}a{text-underline-offset:4px}button{color:inherit}button:disabled{cursor:default}img,svg{display:block;max-width:100%}img{height:auto}p{margin:0 0 1.2em}h1,h2,h3,h4{margin:0;line-height:1.15;font-weight:500}h1,h2{font-family:var(--serif);letter-spacing:-.045em}h2{font-size:clamp(30px,3.15vw,44px)}h3{font-size:23px;letter-spacing:-.025em}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid #ac6512;outline-offset:5px}[hidden]{display:none!important}::selection{background:#e9c877;color:#102738}.wrap{width:min(1240px,calc(100% - 96px));margin-inline:auto}.section{padding-block:76px}.eyebrow{font:11px/1.5 var(--mono);letter-spacing:.1em;text-transform:uppercase;font-weight:600}.mono{font-family:var(--mono)}.fine{font-size:13px;line-height:1.65;color:var(--muted)}.skip{position:fixed;z-index:20;top:-80px;left:20px;background:var(--amber);padding:12px 20px}.skip:focus{top:10px}.edition{background:var(--navy);color:#e8ecde;font:10px/1.5 var(--mono);letter-spacing:.09em;padding:9px 0}.edition .wrap{display:flex;align-items:center;justify-content:space-between}.edition i,.hero-foot i{display:inline-block;width:6px;height:6px;border-radius:50%;background:var(--amber);margin-right:7px}.site-header{position:sticky;top:0;background:rgba(247,245,239,.97);z-index:10;border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:95px;gap:28px}.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;flex-shrink:0}.brand-mark{width:42px;height:44px;border:1px solid currentColor;padding:3px}.brand-type{font-size:27px;line-height:1.05;font-weight:700;letter-spacing:-1.1px}.brand-type>span{display:block;font:9px/1.3 var(--mono);letter-spacing:.28em;margin-top:5px}.header-inner nav{display:flex;align-items:center;gap:28px;font-size:13px;font-weight:600}.header-inner nav a{text-decoration:none;position:relative;padding:13px 0;white-space:nowrap}.header-inner nav a[aria-current]:after{content:"";height:2px;position:absolute;bottom:4px;left:0;right:0;background:var(--ink)}.header-inner nav a:hover{color:#8c5b18}.nav-search{display:flex;gap:9px;align-items:center;border-left:1px solid var(--line);padding-left:23px!important}.nav-search span{display:none}.menu-toggle{display:none;border:1px solid var(--line);background:transparent;padding:9px 12px;font-size:13px}.menu-toggle span{margin-left:10px}
.home-hero{display:grid;grid-template-columns:1fr 1fr;gap:30px;padding-block:65px 49px;align-items:center}.hero-copy .eyebrow{display:flex;align-items:center;gap:10px;font-size:10px}.small-line{width:24px;height:2px;background:#a27326}.hero-copy h1{font-size:clamp(56px,5.6vw,84px);line-height:1.01;letter-spacing:-.055em;margin:25px 0 24px}.hero-copy h1 em{font-weight:400;color:#586c68}.hero-copy>p{font-size:16px;color:var(--muted);line-height:1.75;margin-bottom:28px}.hero-actions{display:flex;gap:24px;align-items:center;flex-wrap:wrap}.button{display:inline-flex;align-items:center;justify-content:space-between;gap:25px;padding:14px 20px;min-height:48px;border:1px solid var(--ink);font-size:13px;font-weight:600;text-decoration:none;background:transparent;transition:background .2s,color .2s}.button.primary{background:var(--ink);color:var(--white)}.button:hover{background:var(--amber);color:var(--ink);border-color:var(--amber)}.text-link{font-size:13px;font-weight:600;text-decoration:none;border-bottom:1px solid var(--ink);padding-block:6px;display:inline-flex;align-items:center;gap:14px}.text-link:hover{color:#865512}.hero-foot{display:flex;gap:19px;font:9px var(--mono);letter-spacing:.025em;margin-top:36px;color:var(--muted)}.hero-art{position:relative;height:510px;background-image:radial-gradient(#b5c2be 0.7px,transparent 0.7px);background-size:19px 19px;background-position:10px 10px;isolation:isolate}.drawing-label{position:absolute;top:10px;left:18px;font:9px var(--mono);letter-spacing:.13em;color:var(--muted);background:var(--paper);padding:6px}.route-lines{position:absolute;inset:0;width:100%;height:100%}.hero-receipt{position:absolute;width:244px;height:342px;left:9%;top:84px;background:#fffdf8;padding:20px 22px;text-align:center;box-shadow:0 8px 30px #172f4217;transform:rotate(-7deg);border:1px solid #dddcd4}.hero-receipt:after{content:"";position:absolute;left:-1px;right:-1px;height:12px;bottom:-9px;background:linear-gradient(135deg,#fffdf8 25%,transparent 25%) -6px 0/12px 12px,linear-gradient(225deg,#fffdf8 25%,transparent 25%) -6px 0/12px 12px}.slip-symbol{width:29px;margin:0 auto 6px}.hero-receipt>.mono{font-size:8px;letter-spacing:.14em}.slip-rule{border-top:1px dashed #bec6bf;margin:13px 0}.slip-item{display:flex;justify-content:space-between;font:9px var(--mono)}.slip-total{font:52px/1.15 var(--serif);letter-spacing:-2px;margin-top:9px}.slip-total span{font-size:34px}.slip-label{font:8px var(--mono);letter-spacing:.1em}.slip-stage{display:flex;align-items:center;gap:8px;font:10px var(--mono);margin:10px 0;text-align:left}.slip-stage i{font-style:normal;color:#77857d}.slip-stage>span{margin-left:auto}.barcode{height:28px;width:130px;background:repeating-linear-gradient(90deg,var(--ink) 0 1px,transparent 1px 4px,var(--ink) 4px 6px,transparent 6px 9px,var(--ink) 9px 10px,transparent 10px 12px);margin:17px auto 7px}.hero-receipt small{font:6px var(--mono);letter-spacing:.03em}.hero-payment-card{position:absolute;right:2%;top:167px;width:267px;height:163px;background:var(--navy);color:#f5f3dd;border-radius:9px;transform:rotate(9deg);padding:17px 20px;box-shadow:0 12px 22px #132e4221;border:1px solid #436073}.hero-payment-card>div{display:flex;align-items:center;justify-content:space-between;font:8px var(--mono);letter-spacing:.09em}.hero-payment-card>div>svg{width:26px}.chip{width:32px;height:26px;stroke:#d8c696;margin-block:6px 12px}.card-dots{font:12px var(--mono);letter-spacing:1px}.hero-payment-card>div:last-child{margin-top:17px;font-size:7px}.annotation{position:absolute;font-size:11px;background:var(--paper);padding:8px 9px;box-shadow:0 0 0 6px var(--paper);display:flex;align-items:center;gap:8px}.annotation>span{border:1px solid #a0aca5;font:9px var(--mono);border-radius:50%;width:23px;height:23px;display:grid;place-items:center}.ann-one{top:66px;right:3%}.ann-two{bottom:75px;right:0}.drawing-footer{position:absolute;bottom:16px;left:15px;right:10px;display:flex;justify-content:space-between;align-items:center;font:8px var(--mono);letter-spacing:.15em}.crosshair{font:22px var(--mono);color:#778c83}.rail-strip{border-block:1px solid var(--line);background:#eef0e9}.rail-strip .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px;padding-block:19px}.rail-strip .eyebrow{font-size:9px;color:var(--muted)}.rail-strip a{text-decoration:none;font-size:14px;font-weight:600;display:flex;gap:22px;align-items:center}.rail-strip a span{font-size:12px;color:#6b7877}
.section-head{display:flex;align-items:flex-end;justify-content:space-between;gap:25px;margin-bottom:27px}.section-head h2{margin-top:11px}.section-head .text-link{flex-shrink:0}.story-filters{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:29px}.story-filters button{border:1px solid var(--line);background:transparent;padding:8px 14px;font-size:11px;border-radius:2px}.story-filters button:hover{border-color:var(--ink)}.story-filters button[aria-pressed=true]{background:var(--ink);border-color:var(--ink);color:var(--white)}.story-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px}.story-card{display:flex;flex-direction:column;border-bottom:1px solid var(--line);padding-bottom:20px}.story-art{height:195px;position:relative;background:#e5e9df;overflow:hidden;display:flex;align-items:center;justify-content:center;text-decoration:none}.story-art img{width:100%;height:100%;object-fit:cover;filter:saturate(.65);transition:transform .35s,filter .35s}.story-card:hover img{transform:scale(1.035);filter:saturate(1)}.story-art:has(svg){background-color:#e5e9df;background-image:linear-gradient(#bac5bb38 1px,transparent 1px),linear-gradient(90deg,#bac5bb38 1px,transparent 1px);background-size:24px 24px;flex-direction:column}.story-art svg{width:100px;height:100px;margin-bottom:12px}.story-art>span:not(.art-number){font:8px var(--mono);letter-spacing:.12em}.art-number{position:absolute;left:12px;top:12px;font:8px var(--mono);letter-spacing:.1em;background:var(--paper);padding:5px 7px;color:var(--ink)}.story-card:nth-child(4n) .story-art{background-color:#f0e0b7}.card-body{display:flex;flex:1;flex-direction:column}.card-meta{display:flex;justify-content:space-between;gap:10px;font:9px var(--mono);letter-spacing:.03em;text-transform:uppercase;margin:19px 0 12px;color:#5a6b6c}.story-card h3{font:25px/1.2 var(--serif);letter-spacing:-.028em;margin-bottom:11px}.story-card h3 a{text-decoration:none}.story-card h3 a:hover{text-decoration:underline}.story-card h3 span{font:18px var(--sans);padding-left:4px}.story-card p{font-size:13px;line-height:1.65;color:var(--muted);margin:0 0 20px}.card-foot{display:flex;justify-content:space-between;gap:10px;font:9px var(--mono);color:var(--muted);margin-top:auto}.filter-status,.image-note{font-size:11px;color:var(--muted);margin:22px 0 0}.image-note{margin-top:7px}
.explorer{background:var(--navy);color:var(--paper);padding:69px 0 42px;scroll-margin-top:10px}.explorer .eyebrow{color:#d5c59e;font-size:10px}.explorer .section-head{align-items:center;margin-bottom:31px}.explorer .section-head>p{color:#c0cfce;font-size:14px;margin:0}.explorer h2{font-size:43px}.rail-switch{display:flex;gap:7px;margin-bottom:20px;flex-wrap:wrap}.rail-switch button{font-size:12px;color:#d6dedb;background:transparent;border:1px solid #5c6e77;padding:11px 22px;border-radius:3px;min-height:44px}.rail-switch button[aria-pressed=true]{background:var(--amber);color:#152e40;border-color:var(--amber);font-weight:650}.explorer-desk{background:var(--paper);color:var(--ink);border:1px solid #bac4bc}.explorer-top{display:flex;justify-content:space-between;gap:20px;padding:17px 24px;border-bottom:1px solid var(--line);font-size:13px}.explorer-top .mono{font-size:10px;color:var(--muted);align-self:center}.step-switch{display:grid;grid-template-columns:repeat(3,1fr);background:#e9ece4}.step-switch button{border:0;border-right:1px solid var(--line);border-bottom:2px solid transparent;background:transparent;text-align:left;padding:15px 24px;display:flex;gap:13px;align-items:center;font-size:12px}.step-switch button span{font:10px var(--mono);color:#71847c}.step-switch button[aria-pressed=true]{border-bottom-color:var(--ink);background:var(--paper)}.step-switch button[aria-pressed=true] span{color:var(--ink)}.step-switch button:last-child{border-right:0}.flow-label{padding:29px 30px 0;display:flex;gap:7px;align-items:center;font:9px var(--mono);text-transform:uppercase;letter-spacing:.05em}.flow-label>span:last-child{margin-left:auto;color:var(--muted);font-size:8px}.flow-label>i{width:6px;height:6px;background:#68867c;border-radius:50%}.flow-diagram{display:grid;grid-template-columns:1fr 24px 1fr 24px 1fr 24px 1fr;align-items:center;gap:13px;padding:24px 30px 30px}.flow-node{min-height:152px;border:1px solid #b9c5bf;background:#fffdf6;padding:15px 10px;display:flex;flex-direction:column;align-items:center;position:relative;text-align:center}.flow-node .node-number{position:absolute;left:10px;top:8px;font:8px var(--mono);color:var(--muted)}.flow-node svg{width:55px;height:55px;margin-bottom:10px}.flow-node b{font-size:12px;font-weight:650;line-height:1.4}.flow-node>span:last-child{font-size:10px;color:var(--muted);margin-top:4px}.flow-arrow{text-align:center;color:#5b7975}.step-detail{display:grid;grid-template-columns:50px 1fr auto;gap:20px;align-items:start;padding:27px 30px 12px;border-top:1px solid var(--line)}.big-step{font:34px var(--serif);color:#80917b}.step-detail h3{font:25px/1.25 var(--serif);margin-bottom:9px}.step-detail p{font-size:13px;line-height:1.75;color:var(--muted);max-width:760px;margin:0}.next-step{background:transparent;border:1px solid #aab9b3;white-space:nowrap;font-size:11px;padding:10px 15px;display:flex;gap:15px;align-items:center;min-height:44px}.next-step:hover{background:var(--sage)}.diagram-note{font-size:11px;color:var(--muted);margin:0;padding:10px 30px 24px 100px}.explorer-source{display:flex;justify-content:space-between;gap:20px;font:9px/1.6 var(--mono);margin-top:17px;color:#c0cfce}.explorer-source a{text-decoration-thickness:1px}.explorer :focus-visible{outline-color:#da972e}.reference-stages{margin-top:28px}.reference-stages details{padding:18px 22px}.reference-stages h3{margin:22px 0 12px;font-size:20px}
.fee-lab{display:grid;grid-template-columns:.85fr 1.3fr;gap:64px;align-items:start}.fee-copy .eyebrow{font-size:9px}.fee-copy h2{font-size:49px;line-height:1.08;margin:18px 0 23px}.fee-copy>p{font-size:15px;color:var(--muted);line-height:1.75}.fee-copy .fine{font-size:11px}.fee-copy .text-link{font-size:11px}.fee-workspace{border:1px solid #ccd1c6;background:#eef0e9}.fee-form{padding:24px 27px 18px}.form-caption{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:17px}.form-caption .eyebrow{font-size:9px}.reset{border:0;padding:6px;background:transparent;font-size:11px;text-decoration:underline}.fee-fields{display:grid;grid-template-columns:1fr 1fr;gap:14px 18px}.fee-fields label{font-size:11px;font-weight:500}input,select{min-width:0;max-width:100%;border:1px solid #b9c4bb;border-radius:0;background:var(--white);color:var(--ink);padding:10px 12px}input[type=number]{display:block;width:100%;font:16px var(--mono);margin-top:5px;font-variant-numeric:tabular-nums}.field-hint{font-size:10px;line-height:1.6;color:var(--muted);margin:0;align-self:center}.receipt{margin:0 27px 28px;background:#fffdf5;border:1px solid #d2d4c8;box-shadow:0 5px 10px #18344707;padding:22px 25px;font:12px/1.65 var(--mono);position:relative}.receipt:after{content:"";position:absolute;left:0;right:0;bottom:-7px;height:8px;background:linear-gradient(135deg,#fffdf5 25%,transparent 25%) -4px 0/8px 8px,linear-gradient(225deg,#fffdf5 25%,transparent 25%) -4px 0/8px 8px}.receipt-heading{font-size:8px;letter-spacing:.08em;border-bottom:1px dashed #bbc5bc;padding-bottom:14px;display:flex;justify-content:space-between;gap:10px;margin-bottom:13px}.receipt-row{display:flex;justify-content:space-between;gap:15px;margin:7px 0;font-size:11px}.receipt-total{display:flex;align-items:center;justify-content:space-between;border-top:1px dashed #bbc5bc;margin-top:14px;padding-top:13px;gap:10px}.receipt-total strong{font-size:25px;font-weight:500;letter-spacing:-1px}.effective{display:flex;justify-content:space-between;background:#eddfb5;padding:9px 12px;margin-top:14px;font-size:11px}.receipt details{border:0;margin-top:14px;padding:0;font-size:9px;color:var(--muted)}.receipt summary{padding:0;min-height:24px}.receipt details p{margin:12px 0 0}.calc-error{color:#952d20;margin-top:12px;font-size:11px}.principles{border-top:1px solid var(--line);padding-top:57px}.principles>h2{margin:12px 0 31px}.principle-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}.principle-grid>a{text-decoration:none;border-top:1px solid #abb8ab;position:relative;padding:20px 0}.principle-grid .mono{font-size:10px}.principle-grid svg{position:absolute;right:0;top:15px;width:37px;height:37px}.principle-grid h3{font:28px var(--serif);margin:26px 0 13px}.principle-grid p{font-size:13px;color:var(--muted);max-width:33ch}.method-banner{margin-top:0;margin-bottom:78px;padding:42px;background:#e7eade;position:relative}.method-banner h2{margin-top:14px;font-size:36px;max-width:70%}.method-banner>.button{position:absolute;right:42px;top:50%;transform:translateY(-30%)}
.page-head{padding-block:58px 49px}.page-head h1{font-size:clamp(43px,5vw,70px);margin:19px 0 23px;max-width:20ch;line-height:1.05}.lead{font-size:17px;line-height:1.8;max-width:66ch;color:var(--muted)}.learning-path{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}.learning-path>a{background:#e8ece1;text-decoration:none;padding:28px}.learning-path>a:hover{background:#e2e7d9}.learning-path span{font:10px var(--mono)}.learning-path h2{font-size:31px;margin:31px 0 17px}.learning-path p{font-size:14px;color:var(--muted);margin:0}.table-scroll{overflow:auto;max-width:100%;border:1px solid var(--line);margin-bottom:20px}table{border-collapse:collapse;width:100%;font-size:13px;min-width:600px;text-align:left}th,td{padding:18px 20px;border-bottom:1px solid var(--line);vertical-align:top}thead th{background:var(--sage);font:10px var(--mono);text-transform:uppercase}tbody th{min-width:100px;font-weight:600}tbody tr:last-child>*{border:0}details{border-bottom:1px solid var(--line)}summary{cursor:pointer;font-size:14px;font-weight:600;padding:9px 0}details p{margin-top:14px}.desk-lead{display:grid;grid-template-columns:1.1fr 1fr;gap:65px;align-items:start}.editorial-points>div{display:flex;gap:22px;padding-block:21px;border-top:1px solid var(--line)}.editorial-points .mono{font-size:12px;color:#73836e}.editorial-points h2{font-size:26px;margin-bottom:12px}.editorial-points p{font-size:14px;color:var(--muted)}.source-figure{margin:0 0 25px}.source-figure img{width:100%;max-height:480px;object-fit:cover;filter:saturate(.75)}.source-figure figcaption{font-size:10px;line-height:1.6;color:var(--muted);margin-top:10px}.source-figure figcaption a{display:block}.checklist-section{background:var(--sage);display:grid;grid-template-columns:1fr 1.15fr;gap:50px;padding:36px;margin-top:40px}.checklist-section h2{font-size:37px;margin:15px 0}.checklist-section p{font-size:13px;color:var(--muted)}[data-checklist] label{display:flex;align-items:start;gap:12px;padding:10px 0;font-size:13px}[data-checklist] input{width:18px;height:18px;flex-shrink:0;accent-color:var(--ink);margin-top:3px}[data-check-progress]{margin:15px 0 0}
.library-controls{display:grid;grid-template-columns:1fr 260px;gap:25px;padding:27px;background:var(--sage)}.library-controls label{font-size:12px;font-weight:600}.library-controls input,.library-controls select{display:block;width:100%;margin-top:9px;min-height:48px}.library-count{display:flex;justify-content:space-between;gap:15px;font:10px var(--mono);color:var(--muted);padding:24px 0 15px;border-bottom:1px solid #acb7aa}.library-list article{display:grid;grid-template-columns:38px 1fr 110px 32px;gap:20px;align-items:center;padding:26px 0;border-bottom:1px solid var(--line)}.library-list article>div{min-width:0}.library-number{font:12px var(--mono);color:#7a8b7e}.library-list .eyebrow{font-size:9px;color:#647967}.library-list h2{font-size:27px;line-height:1.2;letter-spacing:-.03em;margin-top:8px}.library-list h2 a{text-decoration:none}.library-list h2 a:hover{text-decoration:underline}.library-time{font:11px/1.9 var(--mono);text-align:right;color:var(--muted)}.library-time small{font-size:8px}.library-arrow{font-size:25px;text-align:right;text-decoration:none}.empty-state{text-align:center;padding:55px 20px}.empty-state h2{margin-bottom:15px}.section-intro{color:var(--muted);max-width:65ch;font-size:15px}.agenda-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:35px}.agenda-grid>a{padding:22px;border:1px solid var(--line);text-decoration:none;background:#eeefe7}.agenda-grid>a:hover{border-color:#859780}.agenda-grid .mono{font-size:9px;color:var(--muted)}.agenda-grid h3{font:24px/1.3 var(--serif);margin-top:22px}.agenda-grid h3 span{font-family:var(--sans)}
.article-head{padding:50px 0 38px;border-bottom:1px solid var(--line)}.article-head>a{text-decoration:none;font-size:10px}.article-head h1{font-size:clamp(39px,4.5vw,62px);line-height:1.08;margin:24px 0;max-width:25ch}.article-meta{display:flex;flex-wrap:wrap;gap:18px;font:10px var(--mono);color:var(--muted)}.article-meta>span:first-child{color:#86601c}.article-layout{display:grid;grid-template-columns:220px minmax(0,760px);gap:65px;align-items:start;padding-block:40px 90px;justify-content:space-between}.article-toc{position:sticky;top:125px;max-height:calc(100vh - 150px);overflow-y:auto;scrollbar-width:thin}.article-toc>.eyebrow{display:block;margin-bottom:15px;color:#617065}.article-toc>a{display:block;text-decoration:none;font-size:12px;line-height:1.5;padding:9px 0;color:var(--muted);border-bottom:1px solid var(--line)}.article-toc>a:hover{color:var(--ink)}.article-body{min-width:0;font-size:16px;line-height:1.8;overflow-wrap:anywhere}.article-body h2{font-size:32px;margin:43px 0 21px}.article-body h3{font-size:22px;margin:30px 0 17px}.article-body blockquote{margin:25px 0;border-left:3px solid var(--amber);background:#efeee3;padding:20px 23px;font-size:15px}.article-body ul,.article-body ol{padding-left:24px}.article-body li{margin-block:8px}.article-body hr{border:0;border-top:1px solid var(--line);margin:35px 0}.article-body table{min-width:560px;font-size:12px}.article-body td,.article-body th{padding:12px 15px}.article-body code{font-size:13px}.draft-notice{font-size:12px;line-height:1.7;border-left:3px solid #b88a3c;background:#eee9da;padding:18px 22px;margin-bottom:28px;color:#665b41}.draft-notice>b{display:block;margin-bottom:3px}.article-end{border-top:1px solid var(--line);margin-top:45px;padding-top:24px}.article-end .eyebrow{display:block;margin-bottom:14px}.article-end a{display:block;font-size:16px;margin:7px 0}.method-content{padding-bottom:80px}.method-columns{display:grid;grid-template-columns:repeat(3,1fr);gap:35px;border-block:1px solid var(--line);padding-block:35px;margin-bottom:65px}.method-columns h2{font-size:28px;margin:17px 0}.method-columns p{font-size:14px;color:var(--muted);line-height:1.8}.method-content>h2{margin:55px 0 20px}.method-content>p{max-width:80ch;color:var(--muted)}.source-ledger>div{display:grid;grid-template-columns:230px 1fr;gap:30px;padding:23px 0;border-top:1px solid var(--line)}.source-publisher{font:12px/1.7 var(--mono)}.source-ledger h3{font:23px var(--serif);margin:0 0 12px}.source-ledger h3 a{text-decoration:none}.source-ledger p{font-size:13px;color:var(--muted);margin-bottom:9px}.credit-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:25px;margin-top:30px}.credit-grid img{width:100%;height:150px;object-fit:cover}.credit-grid p{font-size:11px;margin-top:10px}.not-found{padding-bottom:100px;display:flex;gap:30px}
footer{background:#e9ece3;border-top:1px solid #cdd4c8}.footer-top{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.1fr;gap:42px;padding-block:47px 40px}.footer-top .brand-type{font-size:24px}.footer-top .brand-mark{width:36px;height:38px}.footer-top p{font-size:12px;color:var(--muted);line-height:1.8;margin:18px 0 0}.footer-top .eyebrow{display:block;font-size:9px;margin-bottom:16px}.footer-top>div>a:not(.brand){display:block;font-size:12px;text-decoration:none;margin:9px 0}.footer-top a:hover{text-decoration:underline}.footer-top .footer-note p{margin:0;font-size:11px}.footer-bottom{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-block:19px;border-top:1px solid #cad1c4;font:9px/1.6 var(--mono);color:var(--muted)}
@media(min-width:1450px){.home-hero{gap:65px}.hero-copy h1{font-size:89px}.hero-art{height:540px}.hero-payment-card{right:2%;top:177px}.hero-receipt{top:87px;left:12%;width:254px;height:355px}.hero-foot{font-size:10px}.home-hero{padding-block:74px 61px}}
@media(max-width:1100px){.wrap{width:calc(100% - 64px)}.header-inner nav{gap:20px}.home-hero{gap:0}.hero-copy h1{font-size:64px}.hero-art{height:480px}.hero-receipt{width:220px;left:4%;top:78px}.hero-payment-card{width:225px;right:0;top:191px}.ann-one{top:47px}.ann-two{font-size:9px;bottom:59px}.hero-actions{gap:17px}.hero-foot{gap:12px;font-size:8px}.rail-strip a{gap:10px}.rail-strip .eyebrow{font-size:8px}.story-grid{gap:23px}.fee-lab{gap:37px;grid-template-columns:.8fr 1.2fr}.fee-copy h2{font-size:43px}.flow-diagram{gap:8px;padding-inline:20px}.flow-node b{font-size:11px}.flow-node>span:last-child{font-size:9px}.article-layout{gap:35px;grid-template-columns:190px minmax(0,1fr)}.footer-top{gap:25px}.method-banner h2{font-size:32px}}
@media(max-width:850px){.header-inner{min-height:81px;flex-wrap:wrap;gap:0;padding-block:18px}.menu-toggle{display:block}.header-inner nav{display:none;width:100%;padding-top:18px;align-items:stretch;flex-direction:column;gap:0}.header-inner nav.is-open{display:flex}.header-inner nav a{padding:11px 2px!important;border-bottom:1px solid var(--line)}.header-inner nav a[aria-current]:after{display:none}.header-inner nav a[aria-current]{font-weight:750}.nav-search{border-left:0}.nav-search span{display:inline}.home-hero{grid-template-columns:1fr 1fr;gap:15px;padding-top:48px}.hero-copy h1{font-size:52px}.hero-copy>p{font-size:14px}.hero-copy .eyebrow{font-size:8px}.hero-art{height:440px}.hero-receipt{left:0;width:190px;padding:16px;top:63px;height:330px}.hero-payment-card{width:192px;top:176px;height:149px;padding:14px}.card-dots{font-size:10px}.hero-payment-card>div{font-size:7px}.hero-payment-card>div:last-child{margin-top:15px;font-size:6px}.ann-one{font-size:9px;right:0;top:22px}.ann-two{bottom:21px}.drawing-label,.drawing-footer{display:none}.hero-foot{flex-wrap:wrap;margin-top:24px}.hero-actions{gap:8px}.hero-actions .text-link{font-size:11px}.hero-actions .button{font-size:11px}.rail-strip .wrap{flex-wrap:wrap;gap:15px 30px}.rail-strip .eyebrow{width:100%}.rail-strip a{font-size:12px}.section{padding-block:54px}.section-head{align-items:start}.section-head .text-link{font-size:11px}.story-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:28px 23px}.explorer .section-head{align-items:start}.explorer .section-head>p{max-width:29ch;font-size:12px}.explorer h2{font-size:36px}.explorer-top{padding:17px;font-size:12px}.flow-diagram{grid-template-columns:1fr 16px 1fr 16px 1fr 16px 1fr;gap:4px;padding:20px 14px}.flow-node{padding:17px 7px;min-height:154px}.flow-node svg{width:46px}.flow-node b{font-size:10px}.flow-node>span:last-child{font-size:8px}.flow-label{padding-inline:20px}.step-detail{grid-template-columns:35px 1fr;gap:14px;padding:23px 20px 10px}.step-detail .next-step{grid-column:2;justify-self:start}.diagram-note{padding:10px 20px 22px 69px}.fee-lab{grid-template-columns:1fr;gap:30px}.fee-copy{max-width:65ch}.fee-copy h2{font-size:43px}.fee-copy h2 br{display:none}.fee-workspace{max-width:680px;width:100%}.principle-grid{gap:22px}.principle-grid h3{font-size:24px}.method-banner{padding:30px}.method-banner h2{max-width:65%;font-size:28px}.method-banner>.button{right:30px;font-size:11px;padding:12px}.learning-path{grid-template-columns:1fr}.learning-path>a{padding:24px}.learning-path h2{margin-top:18px}.desk-lead{gap:30px}.checklist-section{gap:26px;padding:26px}.article-layout{grid-template-columns:1fr;gap:30px}.article-toc{position:static;max-height:240px;columns:2;border-bottom:1px solid var(--line);padding-bottom:20px}.article-toc>a{font-size:11px}.article-body{max-width:740px}.agenda-grid{grid-template-columns:repeat(2,1fr)}.method-columns{gap:22px}.method-columns h2{font-size:25px}.source-ledger>div{grid-template-columns:170px 1fr}.footer-top{grid-template-columns:1.5fr 1fr 1fr}.footer-note{grid-column:1/-1;max-width:65ch}.footer-bottom{font-size:8px;gap:12px}}
@media(max-width:600px){html{scroll-padding-top:90px}.wrap{width:calc(100% - 40px)}.edition{font-size:7px;padding-block:8px;letter-spacing:.06em}.edition .wrap>span:first-child{max-width:48%}.edition .wrap>span:last-child{font-size:7px}.edition i{width:4px;height:4px;margin-right:4px}.header-inner{min-height:77px;padding-block:15px}.brand-type{font-size:24px}.brand-type>span{font-size:8px}.brand-mark{width:36px;height:39px}.menu-toggle{font-size:11px;padding:8px 11px}.home-hero{grid-template-columns:1fr;padding-block:35px 25px;gap:20px}.hero-copy .eyebrow{font-size:8px}.hero-copy h1{font-size:clamp(48px,11.8vw,68px);line-height:1.03;margin:20px 0}.hero-copy>p{font-size:14px;line-height:1.75}.hero-copy>p br{display:none}.hero-actions{gap:20px}.hero-actions .button{font-size:12px;padding:13px 17px}.hero-actions .text-link{font-size:11px}.hero-foot{gap:15px;font-size:7px;margin-top:25px}.hero-art{height:353px;max-width:440px;width:100%;margin:auto}.hero-receipt{top:41px;left:8%;width:195px;height:287px;padding:12px 18px}.hero-receipt .slip-symbol{width:23px;margin-bottom:3px}.slip-rule{margin:10px 0}.slip-total{font-size:41px;margin-top:5px}.slip-total span{font-size:28px}.slip-stage{font-size:8px;margin:8px 0}.slip-label{font-size:6px}.hero-receipt>.mono{font-size:7px}.hero-receipt .barcode{height:22px;margin:12px auto 6px}.hero-receipt small{font-size:5px}.hero-payment-card{top:131px;right:1%;width:195px;height:139px}.hero-payment-card .chip{width:26px;height:20px;margin:4px 0 9px}.hero-payment-card>div:last-child{margin-top:12px}.annotation{padding:4px 6px;gap:6px;box-shadow:0 0 0 3px var(--paper)}.annotation>span{width:18px;height:18px;font-size:7px}.ann-one{top:14px;font-size:8px;right:4%}.ann-two{bottom:11px;font-size:8px;right:0}.rail-strip .wrap{padding-block:16px;gap:13px 22px}.rail-strip .eyebrow{font-size:8px}.rail-strip a{font-size:11px;gap:7px}.section{padding-block:44px}.section-head{display:block;margin-bottom:22px}.section-head .text-link{margin-top:15px}.eyebrow{font-size:9px}.section-head h2{font-size:32px;margin-top:12px;max-width:17ch}.story-filters{gap:7px;margin-bottom:23px}.story-filters button{font-size:10px;padding:8px 10px;min-height:37px}.story-grid{grid-template-columns:1fr;gap:30px}.story-art{height:205px}.story-card h3{font-size:28px}.story-card p{font-size:14px}.card-meta{font-size:9px}.card-foot{font-size:9px}.image-note{font-size:10px}.explorer{padding:43px 0 30px}.explorer h2{font-size:35px}.explorer .section-head>p{margin-top:19px;max-width:none;font-size:13px}.explorer .section-head>p br{display:none}.rail-switch{gap:6px}.rail-switch button{font-size:10px;flex:1;padding:9px 5px;min-width:67px}.explorer-top{display:block;padding:15px;font-size:11px}.explorer-top>span{display:block}.explorer-top .mono{margin-top:6px;font-size:9px}.step-switch button{padding:12px 8px;font-size:10px;gap:5px;display:block;text-align:center}.step-switch button span{display:block;font-size:8px;margin-bottom:3px}.flow-label{padding:20px 17px 0;font-size:8px}.flow-label>span:last-child{display:none}.flow-diagram{grid-template-columns:1fr;gap:7px;padding:17px}.flow-node{min-height:71px;display:grid;grid-template-columns:40px 1fr;grid-template-rows:1fr 1fr;text-align:left;align-items:center;padding:12px 14px 12px 25px;column-gap:13px}.flow-node svg{grid-row:1/3;width:39px;height:39px;margin:0}.flow-node .node-number{left:7px;top:5px;font-size:7px}.flow-node b{font-size:12px;align-self:end}.flow-node>span:last-child{font-size:10px;margin:2px 0 0;align-self:start}.flow-arrow{font-size:18px;line-height:18px;transform:rotate(90deg);height:18px}.step-detail{display:block;padding:20px 17px 10px}.big-step{font-size:24px;display:block;margin-bottom:10px}.step-detail h3{font-size:25px}.step-detail p{font-size:12px}.next-step{margin-top:18px}.diagram-note{padding:8px 17px 20px;font-size:10px}.explorer-source{display:block;font-size:8px}.explorer-source>span{display:block;margin:7px 0}.fee-copy h2{font-size:41px}.fee-copy h2 br{display:block}.fee-copy>p{font-size:14px}.fee-form{padding:19px 17px 17px}.fee-fields{gap:13px}.fee-fields label{font-size:10px}.fee-fields input{font-size:15px;padding:10px}.field-hint{font-size:9px}.receipt{margin:0 17px 24px;padding:18px 15px}.receipt-heading{font-size:6px}.receipt-row{font-size:10px}.receipt-total strong{font-size:23px}.fee-copy .text-link{font-size:10px}.principle-grid{grid-template-columns:1fr;gap:3px}.principle-grid h3{font-size:29px;margin:18px 0 13px}.principle-grid p{max-width:45ch;font-size:14px}.principles>h2{font-size:32px}.method-banner{padding:28px 24px;margin-bottom:45px}.method-banner h2{font-size:30px;max-width:none}.method-banner>.button{position:static;transform:none;margin-top:26px}.page-head{padding-block:38px 32px}.page-head h1{font-size:43px;margin-block:18px}.lead{font-size:15px}.learning-path>a{padding:24px}.learning-path h2{font-size:29px}.desk-lead{grid-template-columns:1fr;gap:15px}.editorial-points h2{font-size:27px}.editorial-points>div{gap:18px}.source-figure img{max-height:300px}.checklist-section{grid-template-columns:1fr;gap:14px;padding:22px}.checklist-section h2{font-size:33px}.library-controls{grid-template-columns:1fr;gap:17px;padding:20px}.library-controls label{font-size:11px}.library-controls input{font-size:12px;padding-inline:10px}.library-count{font-size:8px;display:block}.library-count>span{display:block;margin-bottom:5px}.library-list article{grid-template-columns:22px 1fr 21px;gap:12px;padding:22px 0}.library-list h2{font-size:25px}.library-list .eyebrow{font-size:8px}.library-number{font-size:10px}.library-time{display:none}.library-arrow{font-size:22px}.agenda-grid{grid-template-columns:1fr;gap:13px}.agenda-grid h3{font-size:25px;margin-top:14px}.article-head{padding:33px 0 26px}.article-head>a{font-size:8px}.article-head h1{font-size:39px}.article-meta{font-size:8px;gap:11px}.article-layout{padding-top:25px;gap:23px;padding-bottom:48px}.article-toc{columns:1;max-height:185px}.article-toc .eyebrow{font-size:9px}.article-body{font-size:15px}.article-body h2{font-size:29px}.article-body h3{font-size:21px}.draft-notice{font-size:11px;padding:14px 17px}.method-columns{grid-template-columns:1fr;gap:25px;margin-bottom:43px;padding-block:27px}.method-columns h2{font-size:29px;margin-top:13px}.source-ledger>div{grid-template-columns:1fr;gap:12px}.source-publisher{font-size:10px}.source-ledger h3{font-size:24px}.credit-grid{grid-template-columns:repeat(2,1fr);gap:16px}.credit-grid img{height:110px}.credit-grid p{font-size:9px}.credit-grid .fine{font-size:9px}.method-content>h2{font-size:32px}.footer-top{grid-template-columns:1fr 1fr;gap:30px;padding-block:35px}.footer-top>div:first-child{grid-column:1/-1}.footer-top>div:first-child p{margin-top:15px}.footer-top .eyebrow{font-size:8px}.footer-bottom{display:block;font-size:8px;padding-block:18px}.footer-bottom>span{display:block;margin-bottom:6px}.not-found{flex-wrap:wrap;padding-bottom:60px}}
.hero-receipt{font-size:12px;line-height:1.1}
.library-list h2 a,.story-card h3 a{display:block}
.article-toc{columns:auto;overflow-x:hidden}
.resource-strip{display:flex;align-items:center;gap:30px;padding-block:28px;border-bottom:1px solid var(--line)}.resource-strip>div{flex:1}.resource-strip p{font-size:14px;margin:6px 0 0;color:var(--muted)}.resource-strip>a{font-size:12px;white-space:nowrap;text-decoration:none;border-bottom:1px solid var(--ink);padding-block:6px}.resource-strip>a:hover{color:#865512}.library-controls{grid-template-columns:minmax(0,1.4fr) minmax(0,.8fr) minmax(0,1fr);gap:18px}.library-quick-links{display:flex;justify-content:space-between;gap:22px;padding-bottom:26px;font-size:12px}.library-deck{font:13px/1.6 var(--sans);color:var(--muted);margin:10px 0 7px}.library-date{display:block;font:9px/1.6 var(--mono);color:var(--muted);margin-top:8px}.checked-notice{border-left-color:#617f67;background:#e7ecdf;color:#42594d}.guide-evidence{border-top:1px solid var(--line);margin-top:40px}.guide-evidence details{padding:10px 0}.guide-evidence summary{font-size:13px;overflow-wrap:anywhere}.guide-evidence details p{font-size:13px}.guide-evidence details>a{font-size:13px}.event-dates{padding:15px 24px!important;background:var(--sage);font-size:13px}.glossary{padding-top:0}.glossary-controls{display:flex;align-items:flex-end;gap:18px;background:var(--sage);padding:24px;margin-bottom:20px}.glossary-controls label{font-size:12px;flex:1}.glossary-controls input{display:block;width:100%;margin-top:8px;min-height:48px}.glossary-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;margin:30px 0}.glossary-grid article{border-top:2px solid #96a895;background:#f0f1e9;padding:24px;display:flex;flex-direction:column;scroll-margin-top:125px;min-width:0}.glossary-grid h2{font-size:29px;letter-spacing:-.03em;margin:15px 0}.glossary-grid h2 a{text-decoration:none;overflow-wrap:anywhere}.glossary-grid h2 a:hover{text-decoration:underline}.glossary-grid p{font-size:14px;color:var(--muted)}.glossary-grid .text-link{margin-top:auto;align-self:flex-start;font-size:11px}.glossary-source{font-size:10px;line-height:1.6;color:var(--muted);margin-top:14px}.glossary-grid article:target{outline:2px solid #986718;outline-offset:4px}
@media(max-width:850px){.resource-strip{flex-wrap:wrap;gap:15px 24px}.resource-strip>div{flex-basis:100%}.glossary-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.library-controls{grid-template-columns:repeat(2,minmax(0,1fr))}.library-controls>label:first-child{grid-column:1/-1}}
@media(max-width:600px){.resource-strip{padding-block:22px}.resource-strip p{font-size:13px}.resource-strip>a{font-size:11px;white-space:normal}.library-controls{grid-template-columns:1fr}.library-quick-links{display:block;font-size:11px}.library-quick-links a{display:block;margin-bottom:12px}.library-list .eyebrow{line-height:1.7}.library-deck{font-size:12px}.glossary-grid{grid-template-columns:1fr}.glossary-controls{display:block;padding:20px}.glossary-controls .button{margin-top:15px}.glossary-controls input{font-size:12px}.glossary-grid article{scroll-margin-top:100px}}
@media(max-width:850px){html:not(.js) .header-inner nav{display:flex}html:not(.js) .menu-toggle{display:none}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}}
@media print{.site-header,.edition,.article-toc,footer,.story-filters,.hero-art,.rail-switch,.step-switch,.next-step{display:none}.wrap{width:100%}.article-layout{display:block}.explorer{background:white;color:black}.story-grid{grid-template-columns:1fr 1fr}body{background:white}}