.bwl-article-body section[id],.bwl-article-body li[id]{scroll-margin-top:100px}.bwl-article-cover img{display:block;width:100%;max-width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}.bwl-article-body a{overflow-wrap:anywhere}.fp-ref{font-size:.75em;vertical-align:super;margin-left:4px}.fp-info{padding:26px;background:#f0f6fc;border:1px solid #cedfed;border-radius:14px;margin:28px 0}.fp-info h3{margin-top:0;color:#012d4a}.fp-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.fp-cards>div{padding:18px;background:#fff;border-top:4px solid #1863a1;border-radius:8px}.fp-cards strong{color:#012d4a}.fp-small{font-size:.85rem!important}.fp-table{overflow:auto;margin:24px 0;max-width:100%}.fp-table table{width:100%;min-width:640px;border-collapse:collapse}.fp-table th,.fp-table td{padding:16px;text-align:left;vertical-align:top;border:1px solid #d6e2e9;font-size:1rem;line-height:1.6}.fp-table thead th{background:#edf4fa;color:#012d4a}.fp-table tbody th{background:#f8fafc;color:#012d4a}.fp-faq{border:1px solid #d6e2e9;border-radius:9px;padding:17px 20px;margin:12px 0}.fp-faq summary{font-weight:700;cursor:pointer;color:#012d4a}.fp-faq p{margin-bottom:0}.fp-gloss{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 24px}.fp-gloss>div{padding:16px 0;border-bottom:1px solid #d6e2e9}.fp-gloss dt{font-weight:700;color:#012d4a}.fp-gloss dd{margin:8px 0 0;line-height:1.65}@media(max-width:700px){.fp-cards,.fp-gloss{grid-template-columns:1fr}.fp-info{padding:18px}.bwl-article-body{min-width:0}}
.fp-inline-photo{max-width:100%;margin:32px 0;overflow:hidden}.fp-inline-photo img{display:block;width:100%;max-width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:12px}.fp-inline-photo figcaption{font-size:.85rem;line-height:1.6;color:#425d6e;margin-top:10px}.fp-treatments dt{font-weight:700;color:#012d4a;margin-top:18px}.fp-treatments dd{margin:8px 0 0;line-height:1.7}.fp-table caption{text-align:left;font-weight:700;padding:12px 0;color:#012d4a}.fp-table:focus-visible{outline:3px solid #1863a1}.bwl-article-toc{max-height:calc(100vh - 35px);overflow:auto}@media(max-width:900px){.bwl-article-toc{max-height:none;overflow:visible}}

.bwl-article-toc{max-height:calc(100vh - 120px);overflow:auto}.bwl-article-body section{margin-bottom:44px}.fp-source{font-size:.83rem!important;line-height:1.6!important;margin-top:16px}.fp-kicker{font-size:.72rem!important;letter-spacing:.13em;font-weight:800;color:#176d70;margin:0 0 12px!important}.fp-info{background:#eff8f6;border-color:#c7e2dc}.fp-cards>div{border-top-color:#1c8385}.fp-timeline{list-style:none;padding:0!important;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px}.fp-timeline li{margin:0;padding:18px;border-top:5px solid #1c8385;background:white;border-radius:8px}.fp-timeline strong{display:block;color:#03344f;font-size:1.4rem;margin-bottom:10px}.fp-timeline span{display:block;font-size:1rem;line-height:1.6}.fp-check{list-style:none;padding:0!important;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.fp-check li{padding:14px 14px 14px 38px;position:relative;margin:0;background:#fff;border:1px solid #d4e5df;border-radius:8px}.fp-check li:before{content:'✓';position:absolute;left:13px;color:#147576;font-weight:800}.fp-steps{padding-left:24px}.fp-steps li{padding-left:8px;margin-bottom:18px}.fp-two{grid-template-columns:repeat(2,minmax(0,1fr))}.fp-flow{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.fp-flow>div{background:#fff;border-radius:9px;padding:20px;border-bottom:4px solid #1c8385}.fp-flow b{display:inline-grid;place-items:center;border-radius:50%;width:35px;height:35px;color:#fff;background:#0b5367;margin-bottom:12px}.fp-flow strong,.fp-flow span{display:block}.fp-flow span{font-size:1rem;line-height:1.65;margin-top:8px}.fp-flow-three{grid-template-columns:repeat(3,minmax(0,1fr))}.fp-budget{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.fp-budget>div{padding:20px;background:white;border-radius:10px;border-top:4px solid #1c8385}.fp-budget span{font-size:.92rem;display:block;min-height:45px}.fp-budget strong{font-size:1.5rem;display:block;color:#04334c;margin:12px 0}.fp-budget p{font-size:.95rem!important}.fp-quote{margin:28px 0;padding:20px 24px;border-left:5px solid #19858a;background:#f3f8fb}.fp-quote cite{font-size:.9rem;font-style:normal}.fp-button{display:inline-block;padding:12px 18px;background:#06384d;color:white!important;border-radius:7px;font-weight:700;margin:8px 12px 8px 0}.fp-table caption{text-align:left;font-weight:700;color:#07384d;padding:0 0 12px}.fp-table td:nth-child(2){min-width:260px}.fp-sources li{margin-bottom:14px}.fp-table:focus,.fp-faq summary:focus,.fp-button:focus{outline:3px solid #189297;outline-offset:3px}@media(max-width:900px){.bwl-article-toc{max-height:none;overflow:visible}}@media(max-width:700px){.fp-timeline,.fp-flow,.fp-flow-three,.fp-budget,.fp-check,.fp-two{grid-template-columns:1fr}.fp-budget span{min-height:0}.fp-info{padding:18px}.bwl-article-cover{margin-left:auto;margin-right:auto}.fp-table{padding-bottom:8px}}@media print{.bwl-article-toc,header,footer,.back-links{display:none!important}.bwl-article-grid{display:block!important}.fp-info,.fp-faq{break-inside:avoid}.fp-table table{min-width:0}.fp-table{overflow:visible}.fp-table th,.fp-table td{font-size:9pt;padding:6px}.fp-source{font-size:8pt!important}}

.fp-editorial-photo{margin:30px 0;width:100%;max-width:100%;overflow:hidden}.fp-editorial-photo img{display:block;width:100%;max-width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:12px}.fp-editorial-photo figcaption{font-size:.85rem;line-height:1.6;color:#4a626f;margin-top:10px}.bwl-article-body{min-width:0}

.bwl-signs-infographic{margin:28px 0;border:1px solid #d6e4ed;border-radius:18px;background:#f3f8fb;overflow:hidden;color:#123e59;font-family:Arial,sans-serif}.bwl-signs-heading{display:block!important;position:static!important;background:none!important;padding:26px 24px 20px;text-align:center;box-shadow:none!important}.bwl-signs-heading p{font-size:11px!important;font-weight:800;letter-spacing:.09em;line-height:1.6;margin:0 0 10px!important;color:#146a70}.bwl-signs-heading h3{font-size:28px!important;line-height:1.15;margin:0 0 10px!important;color:#012d4a}.bwl-signs-heading span{font-size:14px;line-height:1.5}.bwl-signs-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:0;padding:6px 12px 24px}.bwl-sign-card{display:flex;flex-direction:column;align-items:center;text-align:center;padding:14px 12px;border-right:1px solid #cedfe9;min-width:0}.bwl-sign-card:last-child{border-right:0}.bwl-sign-number{display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:#146f75;color:white;font-weight:700;font-size:18px}.bwl-sign-card svg{display:block;width:100%;max-width:144px;height:116px;margin:12px 0}.bwl-sign-copy h4{font-size:17px;line-height:1.3;color:#012d4a;margin:0 0 12px;min-height:45px}.bwl-sign-copy p{font-size:14px!important;line-height:1.6!important;margin:0!important;color:#354f60}.bwl-signs-footer{margin:0!important;padding:20px!important;background:#012d4a;color:white!important;text-align:center;font-size:19px!important;font-weight:700;line-height:1.5!important}.bwl-signs-source{padding:14px 20px;margin:0!important;font-size:11px!important;line-height:1.6!important;color:#435e70}.bwl-signs-source a{color:#145677;text-decoration:underline}.bwl-mobile-break{display:none}@media(max-width:1100px) and (min-width:601px){.bwl-signs-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.bwl-sign-card:nth-child(2){border-right:0}.bwl-sign-card:nth-child(-n+2){border-bottom:1px solid #cedfe9}}@media(max-width:600px){.bwl-signs-heading{padding:22px 18px 12px}.bwl-signs-heading h3{font-size:25px!important}.bwl-signs-grid{grid-template-columns:1fr;padding:0 16px 10px}.bwl-sign-card{display:grid;grid-template-columns:76px minmax(0,1fr);position:relative;border-right:0;border-bottom:1px solid #cedfe9;padding:22px 0;text-align:left;gap:12px}.bwl-sign-card:last-child{border-bottom:0}.bwl-sign-number{position:absolute;top:16px;left:0;width:25px;height:25px;font-size:14px}.bwl-sign-card svg{height:90px;margin:16px 0 0}.bwl-sign-copy h4{min-height:0;font-size:17px;margin-bottom:8px}.bwl-sign-copy p{font-size:14px!important}.bwl-signs-footer{font-size:18px!important;padding:18px 14px!important}.bwl-mobile-break{display:block}}@media print{.bwl-signs-heading{display:block!important}.bwl-signs-infographic{break-inside:avoid}.bwl-signs-grid{grid-template-columns:repeat(4,minmax(0,1fr))}}