.guide_page__UCCRW{color:var(--navy)}.guide_wrap__TQ6k7{width:calc(100% - 96px);max-width:1160px;margin-inline:auto}.guide_page__UCCRW :where(section[id],h3[id]){scroll-margin-top:18px}.guide_page__UCCRW :where(a,summary,[role=region][tabindex]):focus-visible{outline:3px solid #2460ed;outline-offset:4px;border-radius:4px}.guide_page__UCCRW section[tabindex]:focus{outline:none}.guide_page__UCCRW section[tabindex]:focus-visible h2{text-decoration:underline;text-decoration-color:#8eadeb;text-underline-offset:6px}.guide_hero__zToIw{background:linear-gradient(115deg,#fcfeff,#f0f7ff);overflow:hidden}.guide_breadcrumb__ddXkk{padding-top:26px;font-size:12px;color:#5b728e}.guide_breadcrumb__ddXkk ol{display:flex;flex-wrap:wrap;gap:9px;list-style:none;margin:0;padding:0}.guide_breadcrumb__ddXkk li+li:before{content:"›";margin-right:9px;color:#7390af}.guide_heroGrid__QbKJD{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:center;min-height:305px}.guide_heroCopy__vUwGJ{padding:30px 0 42px}.guide_eyebrow__VwF90{margin:0 0 13px;color:var(--red);text-transform:uppercase;font-size:12px;font-weight:750;letter-spacing:.07em}.guide_heroCopy__vUwGJ h1{font-size:46px;line-height:1.1;letter-spacing:-.045em;margin:0 0 17px}.guide_lead__KDqr_{font-size:17px;line-height:1.6;color:var(--muted);max-width:540px;margin:0}.guide_meta__T1jKn{display:flex;flex-wrap:wrap;gap:26px;margin-top:22px;font-size:12px;color:#506783}.guide_meta__T1jKn span{display:flex;align-items:center;gap:8px}.guide_meta__T1jKn svg{width:18px;height:18px;color:var(--navy)}.guide_heroArt__fX9l_{position:relative;margin-left:-25px;padding-right:82px}.guide_heroArt__fX9l_>img{display:block;width:100%;height:auto}.guide_heroArt__fX9l_[data-batch-art]>img{height:305px;object-fit:contain}.guide_annotation__O9DVV{position:absolute;right:-8px;top:32px;transform:rotate(-8deg);color:#647fa1;font:italic 14px/1.55 Segoe Print,Bradley Hand,cursive}.guide_annotation__O9DVV svg{display:block;width:54px;height:64px;margin-top:9px}.guide_trustBand__Ig2_0{border-bottom:1px solid var(--line);background:white}.guide_trust__H66e9{display:grid;grid-template-columns:repeat(4,1fr);padding-block:24px}.guide_trustItem__Diy_L{display:flex;align-items:center;gap:15px;padding:0 20px;border-right:1px solid var(--line)}.guide_trustItem__Diy_L:first-child{padding-left:0}.guide_trustItem__Diy_L:last-child{padding-right:0;border:0}.guide_trustItem__Diy_L>svg{width:29px;height:29px;flex-shrink:0}.guide_trustItem__Diy_L strong{display:block;font-size:12px;line-height:1.45}.guide_trustItem__Diy_L span{display:block;font-size:11px;color:#5b728e;line-height:1.5;margin-top:3px}.guide_content__y_akL{padding-top:92px;padding-bottom:16px}.guide_editorialLayout__TVkgL{display:grid;grid-template-columns:minmax(0,1fr) 238px;grid-template-rows:auto 1fr;column-gap:36px;align-items:start}.guide_intro__eTMkj{grid-column:1;grid-row:1;min-width:0}.guide_intro__eTMkj>h2{font-size:28px;letter-spacing:-.035em;margin:0 0 10px}.guide_intro__eTMkj>p{max-width:760px;color:#526b89;font-size:15px;line-height:1.7;margin:0 0 22px}.guide_priorities__a3mvc{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}.guide_priority__mHWwX{position:relative;padding:20px 14px 19px 38px;border:1px solid #e2ebf7;background:linear-gradient(125deg,#fafcff,#f6faff);border-radius:6px}.guide_priority__mHWwX:hover{border-color:#a9c7f2;background:#f3f8ff}.guide_priorityNumber__jp_9u{position:absolute;left:10px;top:13px;width:23px;height:23px;display:grid;place-items:center;border-radius:50%;color:#0954e7;background:#e1edff;font-size:12px;font-weight:650}.guide_priority__mHWwX>svg{width:27px;height:27px;color:#0759f5;margin-bottom:13px}.guide_priority__mHWwX h3{font-size:13px;line-height:1.35;margin:0 0 7px}.guide_priority__mHWwX p{color:#526b89;font-size:12px;line-height:1.5;margin:0}.guide_sidebar__PoSB6{grid-column:2;grid-row:1/3;align-self:stretch;min-width:0}.guide_sidebarSticky__yV_PB{position:sticky;top:88px;max-height:calc(100dvh - 106px);overflow-y:auto;scrollbar-width:thin;scrollbar-color:#d7e4f3 transparent;padding:3px;margin:-3px}.guide_toc__U037_{border:1px solid var(--line);border-radius:7px;background:#fff;padding:16px 12px;box-shadow:0 4px 20px #12354e05}.guide_tocDesktop__n7_1p>strong{display:block;padding:2px 8px 12px;font-size:15px}.guide_tocMobile__Edsyi{display:none}.guide_toc__U037_>summary{display:block;list-style:none;pointer-events:none;padding:2px 8px 12px;font-size:15px;font-weight:700}.guide_toc__U037_>summary::-webkit-details-marker{display:none}.guide_toc__U037_>summary svg{display:none}.guide_toc__U037_:not([open])>nav{display:block}.guide_toc__U037_ ol{margin:0;padding:0;list-style:none}.guide_toc__U037_ a{display:flex;align-items:center;gap:8px;padding:8px 8px 8px 10px;border-left:2px solid transparent;font-size:11px;line-height:1.5;color:#455f7c}.guide_toc__U037_ a>span{color:#a1b2c8;font-size:11px}.guide_toc__U037_ a[aria-current=location]{color:#c91b2d;background:#fff6f7;border-left-color:var(--red);border-radius:0 4px 4px 0;font-weight:600}.guide_toc__U037_ a:hover{background:#f5f9fe;color:var(--navy)}.guide_sidebarExtras__RSweR{display:grid;gap:20px;margin-top:24px}.guide_sidebarCard__nFTcN{padding:22px 20px;border:1px solid var(--line);border-radius:6px;background:linear-gradient(120deg,#fcfdff,#f3f8ff)}.guide_sidebarCard__nFTcN>svg{width:29px;height:29px;color:#0759f5;margin-bottom:10px}.guide_sidebarCard__nFTcN .compass-mark{width:28px;height:28px;margin-bottom:12px}.guide_sidebarCard__nFTcN h3{font-size:14px;line-height:1.4;margin:0 0 8px}.guide_sidebarCard__nFTcN p{font-size:12px;line-height:1.6;color:#526b89;margin:0 0 14px}.guide_disabledAction__vB25t{display:block;padding:11px 8px;border:1px solid #e0e7f1;background:#f0f4f9;border-radius:4px;text-align:center;color:#566b85;font-size:11px;line-height:1.5}.guide_comingSoon__n23O5{display:inline-block;color:#596e89;font-size:11px;line-height:1.5}.guide_quote___P79_{border:1px solid var(--line);border-radius:6px;padding:18px 23px;margin:0;color:#45617e;font:italic 15px/1.7 Segoe Print,Bradley Hand,cursive}.guide_quote___P79_>span{display:block;color:#a6b9d1;font:40px/1 Georgia,serif}.guide_chapters__DMKdn{grid-column:1;grid-row:2;min-width:0;padding-top:44px}.guide_chapter__cGvKx{padding-top:40px;margin-top:40px;border-top:1px solid #e4edf7;min-width:0}.guide_chapter__cGvKx:first-child{padding-top:0;margin-top:0;border:0}.guide_chapterHeading__aUFcr{display:flex;align-items:flex-start;gap:16px;margin-bottom:13px}.guide_chapterHeading__aUFcr>svg{width:28px;height:28px;color:#0759f5;flex-shrink:0;margin-top:2px}.guide_chapterHeading__aUFcr h2{font-size:23px;line-height:1.3;margin:0;letter-spacing:-.035em;overflow-wrap:anywhere}.guide_chapterGrid__IDB4H{display:grid;grid-template-columns:minmax(0,1fr) 185px;gap:24px;margin-left:44px;align-items:start}.guide_chapterGrid__IDB4H:not(:has(>.guide_callout__bnTA1)){grid-template-columns:minmax(0,760px)}.guide_chapterText__pmMxh{min-width:0;max-width:760px}.guide_chapterIntro__tkFjb,.guide_prose__v8T0j p{font-size:16px;line-height:1.75;color:#4d6684;margin:0 0 19px;overflow-wrap:anywhere}.guide_prose__v8T0j h3{font-size:19px;line-height:1.4;margin:28px 0 12px}.guide_prose__v8T0j ul{padding-left:22px;margin:18px 0;color:#4d6684;font-size:15px;line-height:1.75}.guide_prose__v8T0j li+li{margin-top:9px}.guide_checks__OgxXJ{margin:18px 0 0;padding:0;list-style:none;color:#4d6684;font-size:14px;line-height:1.7}.guide_checks__OgxXJ li{display:flex;align-items:flex-start;gap:9px}.guide_checks__OgxXJ li+li{margin-top:8px}.guide_checklistGrid__fDHmd li>span,.guide_checks__OgxXJ li>span{display:grid;place-items:center;background:#14994c;color:#fff;font-size:9px;font-weight:700;border-radius:50%;width:13px;height:13px;flex-shrink:0;margin-top:5px}.guide_contextLink__EJUAJ{display:inline-flex;align-items:center;gap:8px;min-height:44px;color:#cc1b2e;font-size:12px;line-height:1.45;font-weight:650;margin-top:8px}.guide_contextLink__EJUAJ:hover{text-decoration:underline}.guide_contextLink__EJUAJ svg{width:15px;height:15px;flex-shrink:0}.guide_callout__bnTA1{border-radius:6px;padding:21px 19px;margin-top:5px}.guide_callout__bnTA1>svg{width:27px;height:27px;margin-bottom:12px}.guide_callout__bnTA1 h3{color:var(--navy);font-size:13px;line-height:1.45;margin:0 0 9px}.guide_callout__bnTA1 p{font-size:12px;line-height:1.7;margin:0;color:#526b89;overflow-wrap:anywhere}.guide_callout__bnTA1 p+p{margin-top:14px}.guide_blue__xZxaY{background:linear-gradient(120deg,#f2f8ff,#eaf4ff);color:#0759f5}.guide_rose__GEA5r{background:linear-gradient(120deg,#fff6f8,#fdf0f3);color:#ed2947}.guide_green__lg8F6{background:linear-gradient(120deg,#f4fcf8,#ecf9f1);color:#129e52}.guide_tableScroll__4yaFq{overflow:auto;max-width:100%;margin:24px 0;border:1px solid var(--line);border-radius:5px}.guide_tableScroll__4yaFq table{width:100%;border-collapse:collapse;font-size:14px;line-height:1.55}.guide_tableScroll__4yaFq caption{text-align:left;padding:12px;background:#f4f8ff;font-weight:650;color:var(--navy)}.guide_tableScroll__4yaFq td,.guide_tableScroll__4yaFq th{padding:12px;text-align:left;vertical-align:top;border-top:1px solid var(--line);overflow-wrap:anywhere;min-width:115px;color:#4d6684}.guide_tableScroll__4yaFq thead th{color:var(--navy);background:#f8fbff}.guide_tailSection__oJPET{margin-top:96px}.guide_moduleHeading__obgV1{display:flex;align-items:flex-start;gap:16px;margin-bottom:22px}.guide_moduleHeading__obgV1>svg{width:29px;height:29px;color:#0759f5;flex-shrink:0}.guide_moduleHeading__obgV1 h2{font-size:25px;line-height:1.3;letter-spacing:-.035em;margin:0}.guide_moduleHeading__obgV1 p{font-size:14px;line-height:1.6;color:#526b89;margin:5px 0 0}.guide_checklist__IzqsD{padding:26px 27px;border:1px solid #dce9f8;border-radius:7px;background:linear-gradient(110deg,#f7fbff,#f2f8ff)}.guide_checklist__IzqsD .guide_moduleHeading__obgV1{margin-bottom:23px}.guide_checklistGrid__fDHmd{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px 25px;padding:0 0 0 45px;margin:0;list-style:none}.guide_checklistGrid__fDHmd li{display:flex;align-items:flex-start;gap:9px;font-size:13px;line-height:1.6;color:#45617e}.guide_download__VULen{display:inline-flex;align-items:center;gap:8px;flex-shrink:0;margin-left:auto;min-height:44px;border:1px solid #efb9c1;background:white;border-radius:5px;padding:10px 13px;font-size:12px;font-weight:600;color:#c81a2c}.guide_download__VULen svg{width:16px;height:16px;transform:rotate(90deg)}.guide_mistakeMark__hNBuG{width:30px;height:30px;flex-shrink:0;display:grid;place-items:center;border-radius:50%;background:#fff0f3;color:#e6203d;font-weight:750}.guide_mistakes__o_Azj{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}.guide_mistakes__o_Azj article{display:flex;align-items:flex-start;gap:11px;padding:20px 16px;background:#fff5f7;border:1px solid #faebef;border-radius:6px}.guide_mistakes__o_Azj article>span{display:grid;place-items:center;flex-shrink:0;width:23px;height:23px;border-radius:50%;color:#e21d3a;background:#ffe5eb;font-size:20px}.guide_mistakes__o_Azj h3{font-size:13px;line-height:1.5;margin:0 0 7px}.guide_mistakes__o_Azj p{font-size:12px;line-height:1.6;margin:0;color:#526b89}.guide_related__yts7q{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.guide_related__yts7q article{display:grid;grid-template-columns:105px minmax(0,1fr);border:1px solid var(--line);border-radius:6px;overflow:hidden}.guide_related__yts7q img{height:100%;min-height:146px;width:105px;object-fit:cover}.guide_related__yts7q article>div{padding:15px 14px}.guide_category__VNhxw{display:inline-block;color:#0751d4;background:#edf5ff;font-size:9px;text-transform:uppercase;font-weight:750;margin-bottom:7px}.guide_related__yts7q h3{font-size:13px;line-height:1.4;margin:0 0 7px}.guide_related__yts7q p{font-size:12px;line-height:1.55;color:#526b89;margin:0 0 8px}.guide_faqGrid__TZUBR{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px;align-items:start}.guide_faq__LkkxR{border:1px solid var(--line);border-radius:5px;background:white}.guide_faq__LkkxR summary{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:60px;padding:15px 17px;font-size:12px;font-weight:650;line-height:1.5;cursor:pointer;list-style:none}.guide_faq__LkkxR summary::-webkit-details-marker{display:none}.guide_faq__LkkxR summary>svg{width:15px;height:15px;flex-shrink:0}.guide_faq__LkkxR[open] summary>svg{transform:rotate(180deg)}.guide_faq__LkkxR p{padding:0 17px 18px;margin:0;color:#4d6684;font-size:14px;line-height:1.7}@media(max-width:1023px){.guide_tocDesktop__n7_1p{display:none}.guide_tocMobile__Edsyi{display:block}}@media(max-width:1279px){.guide_wrap__TQ6k7{width:calc(100% - 64px)}.guide_editorialLayout__TVkgL{grid-template-columns:minmax(0,1fr) 222px;gap:28px}.guide_chapterGrid__IDB4H{grid-template-columns:minmax(0,1fr)}.guide_callout__bnTA1{max-width:100%;margin-top:0}.guide_callout__bnTA1>svg{float:left;margin:0 14px 5px 0}.guide_callout__bnTA1 h3{font-size:14px}.guide_priority__mHWwX{padding-left:30px;padding-right:9px}.guide_priorityNumber__jp_9u{left:6px;width:20px;height:20px}.guide_heroCopy__vUwGJ h1{font-size:42px}.guide_heroArt__fX9l_{padding-right:55px}.guide_annotation__O9DVV{font-size:12px}.guide_related__yts7q article{grid-template-columns:82px minmax(0,1fr)}.guide_related__yts7q img{width:82px}}@media(max-width:1023px){.guide_editorialLayout__TVkgL{display:flex;flex-direction:column;gap:0}.guide_chapters__DMKdn,.guide_intro__eTMkj,.guide_sidebar__PoSB6{width:100%}.guide_sidebar__PoSB6{margin-top:28px}.guide_sidebarSticky__yV_PB{position:static;max-height:none;overflow:visible;padding:0;margin:0}.guide_sidebarExtras__RSweR{display:none}.guide_toc__U037_{padding:0;box-shadow:none}.guide_toc__U037_>summary{display:flex;justify-content:space-between;align-items:center;min-height:52px;padding:14px 18px;pointer-events:auto;cursor:pointer}.guide_toc__U037_>summary svg{display:block;width:18px;height:18px}.guide_toc__U037_[open]>summary svg{transform:rotate(180deg)}.guide_toc__U037_:not([open])>nav{display:none}.guide_toc__U037_ nav{padding:0 12px 12px}.guide_toc__U037_ a{min-height:44px;font-size:13px}.guide_toc__U037_ ol{display:grid;grid-template-columns:1fr 1fr}.guide_chapterGrid__IDB4H{grid-template-columns:minmax(0,1fr) 200px}.guide_callout__bnTA1>svg{float:none;margin-bottom:12px}.guide_heroGrid__QbKJD{min-height:285px;gap:12px}.guide_heroCopy__vUwGJ h1{font-size:38px}.guide_heroArt__fX9l_{margin-left:-20px;padding-right:0}.guide_annotation__O9DVV{display:none}.guide_lead__KDqr_{font-size:16px}.guide_trustItem__Diy_L{padding:0 13px;gap:10px}.guide_trustItem__Diy_L>svg{width:24px}.guide_trustItem__Diy_L span{font-size:10px}.guide_trustItem__Diy_L strong{font-size:11px}.guide_checklistGrid__fDHmd{padding-left:0}.guide_download__VULen{margin-top:10px}.guide_checklist__IzqsD .guide_moduleHeading__obgV1{flex-wrap:wrap}.guide_mistakes__o_Azj{grid-template-columns:1fr 1fr}.guide_related__yts7q{gap:12px}.guide_related__yts7q article{grid-template-columns:1fr}.guide_related__yts7q img{height:130px;width:100%;min-height:0;object-fit:contain;background:#f5faff}.guide_faqGrid__TZUBR{grid-template-columns:1fr 1fr}}@media(max-width:767px){.guide_wrap__TQ6k7{width:calc(100% - 40px)}.guide_heroGrid__QbKJD{grid-template-columns:1fr;gap:0}.guide_breadcrumb__ddXkk{padding-top:20px;font-size:11px}.guide_heroCopy__vUwGJ{padding:28px 0 8px}.guide_heroCopy__vUwGJ h1{font-size:37px}.guide_lead__KDqr_{font-size:16px;line-height:1.65}.guide_meta__T1jKn{margin-top:20px;gap:18px;font-size:11px}.guide_heroArt__fX9l_{width:100%;max-width:420px;margin:0 auto}.guide_heroArt__fX9l_>img{max-height:235px;object-fit:contain}.guide_trust__H66e9{grid-template-columns:1fr 1fr;gap:23px 14px;padding-block:23px}.guide_trustItem__Diy_L{padding:0;border:0;gap:10px}.guide_trustItem__Diy_L strong{font-size:11px}.guide_trustItem__Diy_L span{font-size:10px}.guide_content__y_akL{padding-top:42px}.guide_intro__eTMkj>h2{font-size:26px}.guide_intro__eTMkj>p{font-size:15px}.guide_priorities__a3mvc{grid-template-columns:1fr 1fr;gap:12px}.guide_priority__mHWwX{padding:21px 16px 18px 36px}.guide_priorityNumber__jp_9u{left:9px;top:14px}.guide_priority__mHWwX h3{font-size:13px}.guide_priority__mHWwX p{font-size:12px}.guide_toc__U037_ ol{grid-template-columns:1fr}.guide_chapters__DMKdn{padding-top:40px}.guide_chapter__cGvKx{margin-top:38px;padding-top:38px}.guide_chapterHeading__aUFcr{gap:12px}.guide_chapterHeading__aUFcr h2{font-size:23px}.guide_chapterHeading__aUFcr>svg{width:25px;height:25px}.guide_chapterGrid__IDB4H{grid-template-columns:1fr;margin-left:0;gap:22px}.guide_chapterIntro__tkFjb,.guide_prose__v8T0j p{font-size:16px;line-height:1.75}.guide_checks__OgxXJ{font-size:15px;line-height:1.7}.guide_checks__OgxXJ li+li{margin-top:10px}.guide_contextLink__EJUAJ{font-size:13px}.guide_callout__bnTA1{padding:23px}.guide_callout__bnTA1 h3{font-size:15px}.guide_callout__bnTA1 p{font-size:14px;line-height:1.7}.guide_callout__bnTA1>svg{float:left;margin:0 14px 7px 0}.guide_tailSection__oJPET{margin-top:52px}.guide_moduleHeading__obgV1{gap:12px}.guide_moduleHeading__obgV1 h2{font-size:23px}.guide_moduleHeading__obgV1 p{font-size:14px}.guide_checklist__IzqsD{padding:23px 19px}.guide_checklistGrid__fDHmd{grid-template-columns:1fr;gap:14px}.guide_checklistGrid__fDHmd li{font-size:14px}.guide_download__VULen{margin-left:41px;font-size:11px}.guide_mistakes__o_Azj{grid-template-columns:1fr}.guide_mistakes__o_Azj article{padding:20px}.guide_mistakes__o_Azj h3{font-size:15px}.guide_mistakes__o_Azj p{font-size:14px}.guide_related__yts7q{grid-template-columns:1fr}.guide_related__yts7q article{grid-template-columns:100px minmax(0,1fr)}.guide_related__yts7q img{height:100%;width:100px;object-fit:cover}.guide_related__yts7q h3{font-size:15px}.guide_related__yts7q p{font-size:13px}.guide_comingSoon__n23O5{font-size:12px}.guide_faqGrid__TZUBR{grid-template-columns:1fr}.guide_faq__LkkxR summary{font-size:14px;min-height:60px}.guide_faq__LkkxR p{font-size:15px}}.guide_internalLinks__ARI36{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 24px;padding:0;list-style:none}.guide_internalLinks__ARI36 li{min-width:0}.guide_internalLinks__ARI36 a{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:48px;padding:12px 0;border-bottom:1px solid var(--line)}.guide_internalLinks__ARI36 svg{flex-shrink:0}@media(max-width:600px){.guide_internalLinks__ARI36{grid-template-columns:minmax(0,1fr)}}@media(prefers-reduced-motion:reduce){.guide_page__UCCRW *{scroll-behavior:auto;transition:none;animation:none}}.discovery_previewBadge__4Nwtu{position:absolute;top:4px;font-size:9px;line-height:1.4;color:#765006;background:#fff3d4;border-radius:3px;padding:2px 5px}.discovery_previewHeader__kCMHE .preview-broker{position:relative;padding-top:25px}.discovery_hubGrid__aj_Ib .discovery_description__FRklH{font-size:13px;line-height:1.6;color:var(--muted);margin:10px 0 16px}.discovery_note__H2Med.ref-section-note{font-size:13px;line-height:1.5;color:var(--muted);margin-bottom:22px}@media(min-width:801px){.discovery_hubGrid__aj_Ib.ref-broker-grid--commercial .ref-broker-card{grid-row:span 5}}.specialist-platform_note__WLHaq{max-width:75ch}.specialist-platform_logo__wCLOH{display:block;width:min(194px,100%);height:38px;object-fit:contain;object-position:left center}@media(max-width:600px){.specialist-platform_logo__wCLOH{width:min(170px,100%);height:34px}}