:root{--orange:#f7951d}.hero-grid{grid-template-columns:55% 45%;min-height:680px}.hero h1{font-size:clamp(44px,4.65vw,68px);max-width:760px}.hero h1 .hero-keyword{display:block;font-size:19px;line-height:1.5;letter-spacing:-.02em;color:#fff;margin-bottom:19px}.hero-art{margin:0 -45px 0 -8px;min-width:0}.hero-art img{width:116%;max-width:none;margin-left:-4%;mask-image:none}.hero .lede{max-width:550px;color:#bdbdbd}.hero-index{color:#888;right:8px;top:20px}.art-caption{right:20px;bottom:15px;color:#a5a5a5}.principles{background:#151515}.principles-item{color:#aaa}.hero-meta{color:#a8a8a8}.hero-meta .pill{border-color:#444;color:#bbb}.article-body #account-basics{padding:35px;background:#f5f5f5;border:1px solid #e3e3e3;border-top:3px solid var(--orange);border-radius:6px;margin-top:0}.article-body #account-basics h2{font-size:33px}.article-body .hx-section-label{color:#a44e00;margin-bottom:14px}.article-body .hx-callout{border-left-color:var(--orange)}.ach-flow-figure{margin:33px 0;background:#101010;border-radius:12px;overflow:hidden}.ach-flow-figure img{display:block;width:100%}.ach-flow-figure figcaption{font-size:12px;line-height:1.7;padding:0 25px 22px;color:#c4c4c4}.field-kit{background:#151515;margin:38px 0;color:#fff}.field-kit .eyebrow{color:#ffb459}.field-kit p{color:#c9c9c9}.field-kit .button.secondary{border-color:#666}.article-body #sources{font-size:14px;line-height:1.8}.article-body #sources li{margin:0 0 13px;overflow-wrap:anywhere}.source-review-note{font-size:12px;color:#777}.article-contact{padding:22px 26px;background:#fff7ec;border:1px solid #f3d5af;border-radius:6px;font-size:16px}.related .eyebrow,.related-card span:first-child{color:#686868}.related-card{border-color:#d0d0d0}.footer-links{color:#c5c5c5}.footer-note{color:#aaa}.strategy-card{background:#f5f5f5;border-color:#ddd}.strategy-map{grid-template-columns:1fr 1fr}.strategy table{border-collapse:collapse;width:100%;font-size:14px}.strategy td,.strategy th{border-bottom:1px solid #ddd;padding:14px;text-align:left}.strategy th{background:#151515;color:#fff}.strategy small{color:#666}.strategy-list li{margin-bottom:12px}.article-body .ach-scorecard{margin-top:30px}.article-body .ach-calc{margin-top:30px}.side-note{color:#777}.sidebar-tool .eyebrow{color:#666}.review-dialog .eyebrow{color:#a44e00}
.hero-art{margin:0 -15px 0 0}.hero-art img{width:100%;margin:0;max-width:100%}.hero-index{font-size:8px;letter-spacing:.09em}
@media(min-width:1550px){.hero h1{font-size:71px}.hero-art img{width:100%;margin:0}}
@media(max-width:1100px){.hero-grid{grid-template-columns:56% 44%;min-height:640px}.hero h1{font-size:50px}.hero-art{margin-right:-15px}.hero-art img{width:100%;margin:0;mask-image:none}.hero-index{font-size:7px}.art-caption{font-size:9px}}
@media(max-width:800px){.hero-grid{display:block;min-height:0}.hero h1{font-size:clamp(39px,8.5vw,60px)}.hero h1 .hero-keyword{font-size:16px;margin-bottom:13px}.hero-art{margin:0 -20px;height:auto;min-height:0;padding:5px 0 20px}.hero-art img{width:100%;max-width:650px;margin:0;mask-image:none}.article-body #account-basics{padding:25px}.article-body #account-basics h2{font-size:28px}.ach-flow-figure{margin-left:-8px;margin-right:-8px}.ach-flow-figure figcaption{padding:0 18px 18px;font-size:11px}.strategy-map{grid-template-columns:1fr}.strategy-table{overflow-x:auto}.strategy table{min-width:590px}}
@media print{.article-body #account-basics{background:#fff;padding:18px;border:1px solid #aaa}.ach-flow-figure{break-inside:avoid}.ach-flow-figure figcaption{color:#111}.field-kit{background:#fff;color:#111}.source-review-note{color:#333}}