@font-face{font-family:Archivo;src:url('assets/fonts/archivo-latin.woff2') format('woff2');font-weight:100 900;font-stretch:62% 125%;font-display:swap;unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:Archivo;src:url('assets/fonts/archivo-latin-ext.woff2') format('woff2');font-weight:100 900;font-stretch:62% 125%;font-display:swap;unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
:root{--paper:#fff;--ink:#161a18;--muted:#535a55;--accent:#c7410b;--rule:#d5d9d5;--surface:#f3f4f2;--warning:#ffdb45;--max:1328px;--gutter:clamp(20px,4vw,64px)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:180px}body{margin:0;background:var(--paper);color:var(--ink);font-family:Archivo,Arial,sans-serif;font-size:16px;line-height:1.65}a{color:inherit;text-decoration-thickness:1px;text-underline-offset:4px}a:hover{color:var(--accent)}a:focus-visible,summary:focus-visible{outline:3px solid var(--accent);outline-offset:5px}img{display:block;width:100%;height:auto}svg{display:block}p{margin:0 0 1.1em}h1,h2,h3{line-height:1.08;text-wrap:balance;margin:0;font-stretch:75%;letter-spacing:-.025em}h1{font-size:clamp(60px,7.8vw,112px);font-weight:700}h2{font-size:clamp(34px,4vw,54px);font-weight:700}h3{font-size:28px;font-weight:600}ul{padding-left:1.2em}li{margin-bottom:.5em}::selection{background:var(--warning);color:var(--ink)}.wrap{width:min(var(--max),calc(100% - var(--gutter)*2));margin-inline:auto}.skip{position:fixed;z-index:100;top:10px;left:20px;transform:translateY(-150%);padding:12px 20px;background:var(--ink);color:white}.skip:focus{transform:translateY(0)}
.risk-banner{position:sticky;top:0;z-index:20;background:var(--warning);border-bottom:1px solid #d4b329}.risk-inner{display:flex;align-items:center;gap:20px;padding-block:13px}.age-circle{display:grid;place-items:center;flex:none;width:46px;height:46px;border:2px solid var(--ink);border-radius:50%;font-weight:700;font-size:19px;line-height:1}.risk-copy{font-size:13px;line-height:1.45;flex:1}.risk-copy strong{font-weight:700}.risk-copy a:hover{color:var(--ink)}.risk-help{white-space:nowrap;font-size:12px;font-weight:600;display:flex;align-items:center}.arrow{display:inline-block;font-size:21px;line-height:1}
.site-header{border-bottom:1px solid var(--rule)}.header-main{min-height:98px;display:flex;align-items:center;justify-content:space-between;gap:30px}.wordmark{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink);line-height:.9;flex:none}.wordmark:hover{color:var(--ink)}.wordmark svg{width:37px;height:45px}.wordmark-text{font-size:25px;font-weight:700;font-stretch:75%;letter-spacing:-.025em}.wordmark-text span{display:block}.wordmark-dot{color:var(--accent)}.desktop-nav{display:flex;align-items:center;gap:30px;font-size:14px;font-weight:600}.desktop-nav>a{text-decoration:none;min-height:44px;display:flex;align-items:center}.desktop-nav>a[aria-current=page]{color:var(--accent);text-decoration:underline}.nav-responsible{border:1px solid var(--ink);border-radius:4px;padding:0 16px}.mobile-nav{display:none}.edition{padding-block:13px;display:flex;justify-content:space-between;gap:20px;font-size:11px;letter-spacing:.09em;text-transform:uppercase;color:var(--muted);border-bottom:1px solid var(--rule)}.edition span:first-child{color:var(--ink)}.eyebrow{display:block;font-size:12px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;margin-bottom:20px}.eyebrow:before{content:'';display:inline-block;width:8px;height:8px;background:var(--accent);margin-right:10px}
.hero{padding-top:45px;padding-bottom:54px}.hero-heading{display:grid;grid-template-columns:1.75fr 1fr;gap:60px;align-items:end;margin-bottom:40px}.hero-heading h1{max-width:780px}.hero-intro{padding-bottom:7px}.hero-intro>p{font-size:18px;line-height:1.6;max-width:34ch}.hero-actions{display:flex;align-items:center;gap:22px;flex-wrap:wrap;margin-top:23px}.button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:11px 23px;border:1px solid var(--accent);border-radius:4px;background:var(--accent);color:white;text-decoration:none;font-size:14px;font-weight:600;line-height:1.4}.button:hover{background:#aa3506;border-color:#aa3506;color:#fff}.button-outline{background:transparent;border-color:var(--ink);color:var(--ink)}.button-outline:hover{background:var(--ink);color:#fff;border-color:var(--ink)}.text-link{font-size:14px;font-weight:600}.hero-media{display:grid;grid-template-columns:minmax(0,2.18fr) minmax(280px,1fr);gap:42px;align-items:start}.hero-figure{margin:0}.hero-figure img{height:415px;object-fit:cover;object-position:50% 54%;background:var(--surface)}figcaption{display:flex;justify-content:space-between;gap:12px;font-size:11px;line-height:1.5;color:var(--muted);margin-top:12px}.contents{border-top:2px solid var(--ink)}.contents-title{padding-top:18px;padding-bottom:14px;font-size:12px;font-weight:600;letter-spacing:.1em;text-transform:uppercase}.chapter{display:grid;grid-template-columns:28px 1fr;gap:12px;align-items:center;border-bottom:1px solid var(--rule);min-height:77px;text-decoration:none}.chapter-number{color:var(--muted);font-size:12px;font-variant-numeric:tabular-nums}.chapter-label{font-size:18px;font-weight:600;line-height:1.25}.contents-note{margin-top:18px;font-size:12px;color:var(--muted);line-height:1.6}.independence{margin-top:30px;border-top:1px solid var(--rule);padding-top:20px;display:flex;gap:24px;font-size:13px;line-height:1.6;color:var(--muted)}.independence strong{color:var(--ink);min-width:190px}
.section{padding-block:64px;border-top:1px solid var(--rule)}.section-grid{display:grid;grid-template-columns:.9fr 1.65fr;gap:90px}.section-lead h2{margin-bottom:22px}.section-lead>p{color:var(--muted);max-width:35ch}.section-number{display:block;font-size:12px;font-weight:600;letter-spacing:.1em;margin-bottom:18px}.section-number span{color:var(--accent);margin-right:12px}.section-body>p{max-width:65ch}.fact-list{display:grid;grid-template-columns:1fr 1fr;gap:24px 35px;margin:30px 0}.fact-list div{border-top:1px solid var(--rule);padding-top:15px}.fact-list dt{font-size:12px;color:var(--muted);margin-bottom:4px}.fact-list dd{margin:0;font-size:18px;font-weight:600;line-height:1.5}.source-note{font-size:12px;line-height:1.6;color:var(--muted);margin-top:24px}.source-note a{overflow-wrap:anywhere}.mutual-flow{display:grid;grid-template-columns:1fr 26px 1fr 26px 1fr;align-items:center;margin:28px 0 32px;gap:12px}.mutual-step{padding-block:17px;border-top:2px solid var(--ink);border-bottom:1px solid var(--rule);align-self:stretch}.mutual-step b{display:block;font-size:22px;font-stretch:75%;line-height:1.2;margin-bottom:8px}.mutual-step span{font-size:13px;color:var(--muted);line-height:1.6;display:block}.mutual-flow>.arrow{color:var(--muted);text-align:center}.note{background:var(--surface);padding:22px 25px;margin-top:25px;font-size:14px;line-height:1.7}.note strong{display:block;margin-bottom:7px;font-size:16px}.table-scroll{overflow-x:auto;margin:28px 0}table{border-collapse:collapse;width:100%;font-size:14px;line-height:1.6;text-align:left}caption{text-align:left;font-size:12px;color:var(--muted);padding-bottom:10px}th{font-size:11px;letter-spacing:.07em;text-transform:uppercase;font-weight:600;color:var(--muted);border-bottom:2px solid var(--ink);padding:12px 16px 12px 0}td{border-bottom:1px solid var(--rule);padding:17px 16px 17px 0;vertical-align:top}td:first-child{font-weight:600;white-space:nowrap}.guide-list{border-top:1px solid var(--rule);margin-top:28px}.guide-row{display:grid;grid-template-columns:36px 1fr;gap:18px;text-decoration:none;border-bottom:1px solid var(--rule);padding-block:25px;align-items:center}.guide-row h3{font-size:25px;margin-bottom:8px}.guide-row p{font-size:14px;color:var(--muted);margin:0}.guide-row-number{font-size:12px;color:var(--muted)}.guide-row:hover h3{color:var(--accent)}
.responsible-section{background:var(--ink);color:white;border:0;padding-block:65px}.responsible-section .section-number,.responsible-section .section-lead>p{color:#c7cdc8}.responsible-section .section-number span{color:var(--warning)}.responsible-section h2{font-size:clamp(42px,4.5vw,62px)}.responsible-section a:hover{color:var(--warning)}.responsible-section .button{background:var(--warning);color:var(--ink);border-color:var(--warning)}.help-line{border-bottom:1px solid #555c57;padding-bottom:25px;margin-bottom:25px}.help-line h3{font-size:24px;margin-bottom:10px}.help-phone{font-size:38px;font-stretch:75%;font-weight:600;line-height:1.4;text-decoration:none}.help-line p{font-size:13px;color:#c7cdc8;margin:5px 0 0}.responsible-links{display:flex;gap:25px;flex-wrap:wrap;font-size:14px}.faq-grid{display:grid;grid-template-columns:.9fr 1.65fr;gap:90px}details.faq{border-bottom:1px solid var(--rule)}details.faq:first-child{border-top:1px solid var(--rule)}summary{cursor:pointer}details.faq summary{padding-block:23px;list-style:none;display:flex;justify-content:space-between;gap:25px;font-size:18px;font-weight:600;line-height:1.4}details.faq summary::-webkit-details-marker{display:none}details.faq summary:after{content:'+';font-size:26px;font-weight:400;flex:none;line-height:1}details.faq[open] summary:after{content:'−'}details.faq>div{padding-bottom:24px;max-width:65ch}details.faq p{font-size:15px;margin-bottom:12px}.source-strip{background:var(--surface);padding-block:35px}.source-strip-inner{display:flex;justify-content:space-between;align-items:center;gap:28px}.source-strip strong{font-size:21px;font-stretch:75%;display:block}.source-strip p{font-size:13px;color:var(--muted);margin:5px 0 0}.source-strip a{flex:none}.footer{padding-block:45px 25px}.footer-top{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:70px;margin-bottom:35px}.footer-brand>p{font-size:13px;color:var(--muted);margin-top:20px;max-width:35ch}.footer-title{font-size:11px;letter-spacing:.1em;font-weight:600;text-transform:uppercase;display:block;margin-bottom:16px}.footer-links{display:flex;flex-direction:column;gap:10px;font-size:13px}.footer-links a{text-decoration:none}.license-block{border-top:1px solid var(--rule);padding-top:22px;font-size:12px;line-height:1.7;color:var(--muted);overflow-wrap:anywhere}.license-block p{margin-bottom:8px}.license-block strong{color:var(--ink)}.footer-bottom{border-top:1px solid var(--rule);padding-top:18px;margin-top:22px;display:flex;justify-content:space-between;gap:20px;font-size:11px;color:var(--muted)}
.breadcrumb{font-size:12px;color:var(--muted);padding-top:30px;display:flex;gap:10px;flex-wrap:wrap}.article-head{padding-block:35px 40px;border-bottom:1px solid var(--rule)}.article-head h1{font-size:clamp(46px,6.2vw,88px);max-width:1000px}.article-head .lead{font-size:20px;color:var(--muted);margin-top:25px;max-width:65ch}.article-meta{font-size:12px;color:var(--muted);margin-top:25px}.article-layout{display:grid;grid-template-columns:240px minmax(0,1fr);gap:85px;padding-block:48px 70px}.article-sidebar{align-self:start;position:sticky;top:140px}.article-sidebar .chapter{min-height:60px}.article-sidebar .chapter-label{font-size:14px;font-weight:400}.article-content{max-width:800px;min-width:0}.article-content section{margin-bottom:40px;scroll-margin-top:40px}.article-content h2{font-size:36px;margin-bottom:22px}.article-content h3{font-size:25px;margin-block:24px 14px}.article-content p{max-width:65ch}.article-content .source-note{font-size:12px}.article-content dl{margin-block:24px}.definition{border-top:1px solid var(--rule);padding-block:20px}.definition dt{font-size:21px;font-weight:600;font-stretch:75%;margin-bottom:8px}.definition dd{margin:0;color:var(--muted)}.legal-dl div{display:grid;grid-template-columns:180px 1fr;gap:22px;padding-block:15px;border-bottom:1px solid var(--rule)}.legal-dl dt{font-weight:600}.legal-dl dd{margin:0;overflow-wrap:anywhere}.placeholder{font-weight:600;background:var(--warning);padding:2px 5px;box-decoration-break:clone}.back-link{display:inline-block;margin-top:30px;font-size:14px}.no-margin{margin:0}.offline-notice{padding:16px 20px;background:var(--surface);font-size:14px;margin-bottom:30px}
@media(min-width:1600px){.hero-heading h1{font-size:116px}}
@media(max-width:1100px){.desktop-nav{gap:18px;font-size:13px}.hero-heading{gap:35px;grid-template-columns:1.6fr 1fr}.hero-media{gap:30px;grid-template-columns:1.8fr 1fr}.hero-figure img{height:380px}.chapter{min-height:70px}.section-grid,.faq-grid{gap:45px;grid-template-columns:1fr 1.6fr}.article-layout{gap:45px;grid-template-columns:210px 1fr}.footer-top{gap:35px}.risk-help{display:none}}
@media(max-width:800px){html{scroll-padding-top:210px}.header-main{min-height:85px}.desktop-nav{display:none}.mobile-nav{display:block;position:relative;flex:none}.mobile-nav summary{list-style:none;border:1px solid var(--ink);padding:10px 14px;border-radius:4px;font-size:13px;font-weight:600}.mobile-nav summary::-webkit-details-marker{display:none}.mobile-nav summary:after{content:' +';margin-left:14px}.mobile-nav[open] summary:after{content:' −'}.mobile-nav nav{position:absolute;top:calc(100% + 10px);right:0;background:white;z-index:15;border:1px solid var(--rule);padding:12px 20px;width:235px}.mobile-nav nav a{display:block;padding:12px 0;font-size:14px;text-decoration:none;border-bottom:1px solid var(--rule)}.mobile-nav nav a:last-child{border:0}.edition{font-size:10px}.edition span:last-child{display:none}.hero{padding-top:32px}.hero-heading{grid-template-columns:1fr;gap:24px;margin-bottom:30px}.hero-heading h1{font-size:clamp(64px,11vw,96px)}.hero-intro>p{max-width:55ch}.hero-intro{padding:0}.hero-actions{margin-top:20px}.hero-media{grid-template-columns:1.5fr 1fr;gap:25px}.hero-figure img{height:355px}.chapter{min-height:67px;grid-template-columns:22px 1fr;gap:8px}.chapter-label{font-size:16px}.section-grid,.faq-grid{grid-template-columns:1fr;gap:28px}.section{padding-block:45px}.section-lead>p{max-width:65ch}.section-lead h2{margin-bottom:16px}.article-layout{grid-template-columns:1fr;gap:30px}.article-sidebar{position:static}.article-sidebar .contents{display:grid;grid-template-columns:1fr 1fr;gap:0 28px}.article-sidebar .contents-title{grid-column:1/-1}.article-head .lead{font-size:18px}.footer-top{grid-template-columns:1.2fr 1fr;gap:35px}.footer-brand{grid-column:1/-1}.footer-brand>p{max-width:55ch}.source-strip-inner{align-items:flex-start}.independence{gap:18px}.independence strong{min-width:165px}}
@media(max-width:540px){:root{--gutter:20px}.risk-inner{gap:12px;padding-block:11px}.age-circle{width:38px;height:38px;font-size:16px}.risk-copy{font-size:10px;line-height:1.5}.risk-copy strong{text-transform:none}.wordmark-text{font-size:23px}.wordmark svg{width:29px;height:38px}.header-main{min-height:78px;gap:14px}.edition{padding-block:11px}.hero{padding-top:29px;padding-bottom:35px}.eyebrow{font-size:10px;margin-bottom:16px}.hero-heading h1{font-size:clamp(53px,14vw,78px);line-height:1.02}.hero-intro>p{font-size:16px}.hero-heading{gap:24px}.button{min-height:47px;padding:12px 18px}.hero-actions{gap:18px}.text-link{font-size:12px}.hero-media{grid-template-columns:1fr;gap:25px}.hero-figure img{height:auto;aspect-ratio:1.3;object-position:42% 50%}figcaption{font-size:10px}.contents{border-top:2px solid var(--ink)}.contents-title{padding-block:15px 10px}.chapter{min-height:58px;grid-template-columns:25px 1fr;gap:12px}.chapter-label{font-size:16px}.contents-note{margin-top:13px}.independence{display:block;margin-top:22px;padding-top:17px;font-size:12px}.independence strong{display:block;margin-bottom:6px}.section{padding-block:37px}.section-number{margin-bottom:14px;font-size:11px}.section-grid,.faq-grid{gap:24px}.fact-list{gap:22px 18px}.fact-list dd{font-size:16px}.section-body>p{font-size:15px}.mutual-flow{grid-template-columns:1fr;gap:6px}.mutual-step{padding-block:14px}.mutual-flow>.arrow{transform:rotate(90deg);margin-block:5px}.note{padding:18px;font-size:13px}th,td{padding-right:16px}table{font-size:12px;min-width:470px}.responsible-section{padding-block:40px}.help-phone{font-size:34px}.responsible-links{gap:15px;font-size:13px}.faq-grid h2{max-width:12ch}details.faq summary{font-size:16px;padding-block:20px}.source-strip-inner{display:block}.source-strip a{display:inline-block;margin-top:15px}.footer{padding-top:35px}.footer-top{gap:28px 25px}.footer-links{font-size:12px}.footer-bottom{display:block}.footer-bottom span{display:block;margin-bottom:7px}.license-block{font-size:11px}.breadcrumb{padding-top:22px;font-size:11px}.article-head{padding-block:28px}.article-head h1{font-size:clamp(42px,12vw,62px)}.article-head .lead{font-size:17px;margin-top:20px}.article-layout{padding-block:28px 40px}.article-sidebar .contents{grid-template-columns:1fr}.article-content h2{font-size:30px}.article-content{font-size:15px}.article-content h3{font-size:24px}.legal-dl div{grid-template-columns:1fr;gap:8px}.definition dt{font-size:20px}.article-meta{font-size:11px}.offline-notice{font-size:13px;padding:15px}}
.wordmark-text span.wordmark-dot{display:inline}
.risk-warning{text-decoration:none}.risk-warning:hover{text-decoration:underline}
.section-grid>*,.faq-grid>*,.guide-row>div{min-width:0}
@media(max-width:540px){.risk-copy{font-size:12px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
@media print{.risk-banner{position:static}.mobile-nav,.desktop-nav,.hero-actions,.source-strip,.skip{display:none}.wrap{width:100%}.article-layout,.section-grid{display:block}.article-sidebar{display:none}.site-header{margin-bottom:20px}body{font-size:11pt}.hero-figure img{max-height:260px}.section{padding-block:25px}.responsible-section{color:black;background:white}a{color:black}.footer-top{display:none}}