.learn-page{--learn-teal:#095b52;--learn-dark:#123e39;--learn-cream:#faf7ef;background:var(--learn-cream);color:#183d37}.learn-brand{background:#fff;border-bottom:1px solid #d9e4df}.learn-nav{height:auto;min-height:96px;flex-wrap:wrap;padding-top:20px;padding-bottom:20px;gap:20px}.learn-nav .nav-links{gap:20px;flex-wrap:wrap}.learn-brand .btn,.learn-page .btn,.learn-page button{background:#095b52}.learn-page .btn.secondary{background:#e0eee7;color:#164e43}.learn-page a{color:#095b52}.learn-page p{color:#526860}.learn-page .eyebrow{color:#095b52;margin-bottom:18px}.learn-hero{padding:76px 0 64px;background:#edf2e7}.learn-hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:80px;align-items:center}.learn-hero h1{font-size:clamp(48px,6.3vw,82px);line-height:1.03;margin-bottom:28px}.learn-hero h1 span{color:#095b52}.learn-intro{font-size:20px;line-height:1.65;max-width:780px}.learn-hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0 18px}.learn-small{font-size:13px!important;line-height:1.65}.learn-model{background:#123e39;color:#fff;border-radius:24px;padding:32px;box-shadow:12px 14px 0 #dbe5d7}.learn-model>div{position:relative;padding-left:48px}.learn-model>div>span{position:absolute;left:0;top:0;color:#8acbbb;font-size:14px;font-weight:700}.learn-model h2{font-size:23px;margin-bottom:7px}.learn-model p{color:#d0e2d8;font-size:15px;margin-bottom:0}.learn-model-label{display:block;font-size:11px;letter-spacing:.12em;color:#b6dcce;margin-bottom:28px}.learn-model-arrow{display:block;font-size:22px;color:#85c6b5;padding-left:8px;margin:12px 0}.learn-model .learn-model-foot{border-top:1px solid #537168;padding-top:20px;margin-top:22px;font-size:13px;color:#fff}.learn-definition{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;padding-top:80px;padding-bottom:48px}.learn-definition h2{font-size:40px}.learn-definition p{font-size:17px;line-height:1.8}.learn-compare{padding-top:10px;padding-bottom:68px}.learn-compare h2{font-size:30px}.learn-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.learn-mini{padding:26px;background:#fff;border:1px solid #e0e5db;border-radius:14px}.learn-mini h3{font-size:22px}.learn-mini p{font-size:15px;margin-bottom:0}.learn-compare>.learn-small{margin-top:20px}.learn-guide-section{background:#fff;padding:72px 0}.learn-guide-section>.wrap>h2{max-width:680px}.learn-topic{margin-top:38px}.learn-topic>h3{font-size:24px;margin-bottom:22px}.learn-card{border:1px solid #dbe5dc;background:#fafbf7;border-radius:16px;padding:26px;display:flex;flex-direction:column;min-width:0}.learn-card h3{font-size:24px;line-height:1.2;margin:18px 0 14px}.learn-card h3 a{color:#193f37}.learn-card p{font-size:15px;line-height:1.7;flex:1}.learn-category{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.09em;color:#416c60}.learn-read{font-weight:700;font-size:14px;padding-top:14px;border-top:1px solid #dbe5dc;display:flex;gap:12px;justify-content:space-between}.learn-read .sr-only{position:absolute;width:1px;height:1px;margin:-1px;overflow:hidden;clip-path:inset(50%)}.learn-faq{padding-top:70px;padding-bottom:60px;max-width:900px}.learn-faq details{border-bottom:1px solid #ccd9ce;padding:20px 0}.learn-faq summary{cursor:pointer;font-size:18px;font-weight:650}.learn-faq details p{margin:14px 0 0;line-height:1.8}.learn-faq>.learn-small{margin-top:25px}.learn-cta{background:#123e39;color:#fff;padding:42px;border-radius:20px;display:flex;align-items:center;gap:40px;justify-content:space-between;margin:24px 0 50px}.learn-cta h2{font-size:32px;max-width:700px}.learn-cta p{color:#d0e2d8;max-width:700px}.learn-cta .eyebrow{color:#b4ddce}.learn-cta .btn{background:#f4c969;color:#173c32}.learn-cta .btn.secondary{background:#e1eee4}.learn-cta-actions{display:flex;flex-direction:column;gap:12px;min-width:210px}.learn-hub-note{padding-bottom:40px;font-size:13px;max-width:900px}.learn-article-heading{background:#edf2e7;padding:24px 0 50px}.learn-breadcrumb{display:flex;gap:10px;flex-wrap:wrap;font-size:13px;margin-bottom:42px}.learn-article-heading h1{font-size:clamp(34px,4.4vw,56px);max-width:940px;line-height:1.12}.learn-byline{font-size:13px;margin-bottom:0}.learn-article-layout{display:grid;grid-template-columns:240px minmax(0,1fr);gap:64px;padding-top:50px;padding-bottom:30px}.learn-toc{align-self:start;position:sticky;top:24px}.learn-toc h2{font-size:18px;letter-spacing:0}.learn-toc nav{display:flex;flex-direction:column;gap:16px;border-left:2px solid #c3d8c9;padding-left:18px}.learn-toc nav a{font-size:14px;line-height:1.5}.learn-sidebar-link{display:block;margin-top:28px;font-size:14px;font-weight:700}.learn-article{max-width:790px;min-width:0}.learn-article>section{margin-bottom:44px;scroll-margin-top:24px}.learn-article h2{font-size:29px;line-height:1.2;margin:0 0 20px}.learn-article p,.learn-article li{font-size:17px;line-height:1.85}.learn-article li{margin-bottom:10px;color:#526860}.learn-scope{background:#e8eee2;border-left:3px solid #397c61;padding:16px 20px;font-size:14px!important;margin-bottom:38px}.learn-sources{padding:24px;background:#e9eee5;border-radius:12px;scroll-margin-top:24px}.learn-sources h2{font-size:23px}.learn-sources p,.learn-sources li{font-size:14px}.learn-sources a{overflow-wrap:anywhere}.learn-related{padding:18px 0 70px}.learn-all{display:inline-block;margin-top:25px;font-weight:700}.learn-calculator{background:#fff;border:1px solid #d3dfd1;border-radius:16px;padding:28px}.learn-calculator>p{font-size:15px}.learn-calc-layout{display:grid;grid-template-columns:1fr 1fr;gap:24px}.learn-inputs{display:grid;grid-template-columns:1fr 1fr;gap:14px}.learn-inputs label{font-size:13px;line-height:1.5;color:#244a40}.learn-calculator button{margin-top:22px}.learn-calc-result{background:#edf3e9;border-radius:12px;padding:22px;align-self:start}.learn-result-main span{display:block;font-size:13px}.learn-result-main strong{font-size:40px;display:block;line-height:1.3;margin:8px 0}.learn-calc-result dl{font-size:14px;margin-top:24px}.learn-calc-result dl>div{border-top:1px solid #cddcc9;padding:12px 0}.learn-calc-result dt{color:#526860}.learn-calc-result dd{margin:5px 0 0;font-weight:700}.learn-calculator>.learn-small{margin-top:20px}.learn-calculator .error{font-size:14px;color:#9f2639}.learn-home-strip{background:#edf2e7!important;border-color:#dbe5d7!important}.learn-home-strip h2{color:#19483c}.learn-home-strip .btn{background:#095b52;color:white}
@media(max-width:1000px){.learn-hero-grid{gap:40px}.learn-article-layout{grid-template-columns:190px minmax(0,1fr);gap:30px}.learn-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.learn-calc-layout{grid-template-columns:1fr}.learn-nav .nav-links{gap:16px}.learn-nav .logo{flex-shrink:0}}
@media(max-width:650px){.learn-nav{padding:18px 0;gap:16px}.learn-nav .nav-links{display:flex!important;width:100%;justify-content:flex-start;font-size:12px;gap:12px}.learn-nav .logo small{font-size:9px}.learn-hero{padding:44px 0 48px}.learn-hero-grid,.learn-definition,.learn-article-layout{grid-template-columns:1fr;gap:30px}.learn-hero h1{font-size:52px}.learn-intro{font-size:18px}.learn-model{padding:26px;box-shadow:6px 8px 0 #dbe5d7}.learn-definition{padding-top:48px;padding-bottom:24px;gap:16px}.learn-definition h2{font-size:32px}.learn-grid{grid-template-columns:1fr}.learn-guide-section{padding:48px 0}.learn-card h3{font-size:23px}.learn-cta{padding:28px;flex-direction:column;align-items:stretch;gap:18px}.learn-cta h2{font-size:27px}.learn-cta-actions{min-width:0}.learn-article-heading{padding-bottom:32px}.learn-breadcrumb{margin-bottom:30px}.learn-article-layout{padding-top:28px}.learn-toc{position:static}.learn-toc nav{gap:10px}.learn-article h2{font-size:26px}.learn-article p,.learn-article li{font-size:16px}.learn-calculator{padding:20px}.learn-inputs{grid-template-columns:1fr}.learn-result-main strong{font-size:36px}.learn-page .wrap,.learn-brand .wrap{width:calc(100% - 36px)}.learn-faq{padding-top:48px}.learn-compare h2{font-size:27px}}
.learn-page a.btn{color:#fff}.learn-page a.btn.secondary{color:#164e43}.learn-page .learn-cta a.btn{color:#173c32}

/* Keep navigation and section headings available after an in-page jump. */
.learn-brand{position:sticky;top:0;z-index:40;box-shadow:0 3px 16px #123e3912}.learn-toc{top:calc(var(--learn-nav-height,106px) + 24px)}.learn-article>section,.learn-sources,.learn-guide-section{scroll-margin-top:calc(var(--learn-nav-height,106px) + 24px)}.learn-back-top{position:fixed;right:20px;bottom:20px;z-index:45;display:flex;align-items:center;gap:8px;min-height:44px;padding:10px 16px;border:1px solid #c5d8cd;border-radius:24px;background:#095b52;color:#fff;font-size:13px;font-weight:700;box-shadow:0 4px 16px #123e3926;cursor:pointer}.learn-back-top>span:first-child{font-size:20px;line-height:1}.learn-back-top:hover{background:#123e39}.learn-back-top:focus-visible{outline:3px solid #d5a52c;outline-offset:3px}@media(max-width:650px){.learn-back-top{right:12px;bottom:12px;padding:10px 13px}.learn-brand .learn-nav{padding-top:10px;padding-bottom:10px;gap:10px}.learn-brand .learn-nav .nav-links{gap:10px}}

.public-brand{position:sticky;top:0;z-index:40;background:#fff;box-shadow:0 3px 16px #123e3912}.marketing [id]{scroll-margin-top:calc(var(--learn-nav-height,106px) + 24px)}.main-back-top{background:#1767be;border-color:#c7d9ee}.main-back-top:hover{background:#0b284d}

/* Compact phone navigation: one brand row and one row of useful links. */
.mobile-public-join,.mobile-public-links{display:none}
@media(max-width:760px){
.public-brand .site-nav,.learn-brand .site-nav{display:flex;flex-wrap:wrap;align-items:center;position:relative;min-height:0;height:auto;padding:10px 0 0;gap:0;width:calc(100% - 32px)}
.public-brand .site-nav .logo,.learn-brand .site-nav .logo{font-size:16px;gap:8px;max-width:calc(100% - 72px);min-height:40px;letter-spacing:-.035em}
.public-brand .site-nav .logo img,.learn-brand .site-nav .logo img{width:32px;height:32px}
.public-brand .site-nav .logo small,.learn-brand .site-nav .logo small,.public-brand .site-nav .nav-links,.learn-brand .site-nav .nav-links{display:none!important}
.mobile-public-join{display:flex;align-items:center;justify-content:center;position:absolute;right:0;top:10px;min-width:60px;min-height:40px;padding:8px 13px;border-radius:9px;background:#1767be;color:#fff!important;font-size:13px;font-weight:700}
.learn-brand .mobile-public-join{background:#095b52}
.mobile-public-links{display:flex;align-items:center;justify-content:space-between;width:100%;gap:8px;margin:4px 0 0;font-size:13px;font-weight:700}
.mobile-public-links>a,.mobile-public-menu>summary{display:flex;align-items:center;justify-content:center;min-height:44px;color:#173c50;padding:6px 2px;text-decoration:none;white-space:nowrap}
.learn-brand .mobile-public-links>a,.learn-brand .mobile-public-menu>summary{color:#164e43}
.mobile-public-menu{position:relative;margin:0;padding:0;border:0;background:none}
.mobile-public-menu>summary{cursor:pointer;gap:7px;list-style:none}
.mobile-public-menu>summary::-webkit-details-marker{display:none}
.mobile-public-menu[open]>summary{color:#1767be}
.mobile-public-menu>nav{position:absolute;top:100%;right:0;width:260px;max-width:calc(100vw - 32px);max-height:calc(100dvh - 120px);overflow:auto;display:flex;flex-direction:column;padding:8px;background:#fff;border:1px solid #d3dfdf;border-radius:0 0 12px 12px;box-shadow:0 12px 24px #123e392b}
.mobile-public-menu>nav>a{display:flex;align-items:center;min-height:44px;padding:8px 12px;color:#173c50;font-size:14px;text-decoration:none;border-radius:6px}
.mobile-public-menu>nav>a:hover,.mobile-public-menu>nav>a:focus-visible{background:#edf2f7}
.mobile-public-links a:focus-visible,.mobile-public-menu>summary:focus-visible,.mobile-public-join:focus-visible{outline:3px solid #d5a52c;outline-offset:1px}
.learn-back-top{width:44px;height:44px;min-height:44px;padding:0;justify-content:center;border-radius:50%}.learn-back-top>span:last-child{display:none}.learn-back-top>span:first-child{font-size:24px}
}
@media(max-width:360px){.public-brand .site-nav .logo,.learn-brand .site-nav .logo{font-size:14px;gap:6px}.public-brand .site-nav .logo img,.learn-brand .site-nav .logo img{width:28px;height:28px}}