/* R27 — Original, scoped editorial layout. No external font or tracking dependencies. */
.r27-publication{margin:0;background:#f7f4ed;color:#152a37;font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;font-size:17px;line-height:1.7;-webkit-text-size-adjust:100%}
.r27-publication *,.r27-feature *{box-sizing:border-box}.r27-publication a{color:#174e67;text-underline-offset:.19em}.r27-publication a:hover{text-decoration-thickness:2px}.r27-publication :focus-visible,.r27-feature :focus-visible{outline:3px solid #c4802e;outline-offset:5px}.r27-publication [id]{scroll-margin-top:28px}
.r27-shell{max-width:1280px;margin-inline:auto;padding-inline:clamp(20px,4vw,64px)}.r27-header{background:#0a1c2a;color:#fff;border-bottom:1px solid #526170}.r27-header-inner{display:flex;align-items:center;justify-content:space-between;gap:30px;padding-top:22px;padding-bottom:22px}.r27-brand{color:#fff!important;font-size:29px;font-weight:900;letter-spacing:-.06em;text-decoration:none;line-height:1.1;white-space:nowrap}.r27-brand span{font-family:Georgia,serif;font-style:italic;font-weight:400;color:#e7be7d}.r27-brand small{display:block;font:600 9px/1.4 system-ui;letter-spacing:.18em;margin-top:9px;color:#c2ced4}.r27-header nav{display:flex;flex-wrap:wrap;gap:12px 24px;justify-content:flex-end}.r27-header nav a{font-size:13px;font-weight:650;color:#e9eee9;text-decoration:none}.r27-header nav a:hover{color:#f2cb8e;text-decoration:underline}
.r27-skip{position:absolute;z-index:10;top:0;left:16px;padding:10px 16px;background:#fff;transform:translateY(-150%)}.r27-skip:focus{transform:translateY(0)}
.r27-hero{background:#102738;color:#fff;padding:32px 0 65px;border-bottom:6px solid #c89a51}.r27-breadcrumb{display:flex;flex-wrap:wrap;gap:8px;font-size:12px;margin-bottom:48px;color:#dce6e9}.r27-breadcrumb a{color:#dce6e9}.r27-kicker{font:750 11px/1.6 system-ui,sans-serif;letter-spacing:.15em;text-transform:uppercase;margin:0 0 12px}.r27-hero .r27-kicker{color:#e8c48a}.r27-hero h1{font:400 clamp(34px,4.8vw,65px)/1.14 Georgia,"Times New Roman",serif;max-width:1000px;margin:0 0 24px;letter-spacing:-.035em}.r27-hero h1 span{color:#f1d8ad}.r27-lede{font-size:clamp(17px,2.2vw,21px);line-height:1.6;max-width:850px;margin:0 0 25px;color:#e3e9e8}.r27-hero-rule{height:1px;background:#566775;max-width:960px;margin:30px 0 19px}.r27-byline{font-size:12px;display:flex;flex-wrap:wrap;gap:7px 21px;color:#cbd7dc}.r27-byline a{color:inherit}.r27-actions{display:flex;flex-wrap:wrap;align-items:center;gap:12px;margin:24px 0 5px}.r27-button{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:12px 19px;line-height:1.4;border:1px solid transparent;border-radius:2px;text-decoration:none!important;font:700 13px/1.45 system-ui;cursor:pointer}.r27-button-gold{background:#e2b875;color:#112635!important}.r27-button-outline{background:transparent;border-color:#8b9ca6;color:#fff!important}.r27-button-dark{background:#132f41;color:#fff!important}.r27-button-light{background:#fff;border-color:#80939e;color:#173749!important}.r27-button:hover{filter:brightness(.94)}
.r27-layout{display:grid;grid-template-columns:210px minmax(0,1fr);gap:clamp(30px,4vw,65px);padding-top:44px;padding-bottom:75px;align-items:start}.r27-outline{position:sticky;top:24px;font-size:13px;border-top:3px solid #ba8335;padding-top:15px;max-height:calc(100vh - 45px);overflow:auto}.r27-outline summary{font-weight:850;cursor:pointer}.r27-outline nav{display:flex;flex-direction:column;gap:0;margin-top:12px}.r27-outline nav a{display:block;padding:8px 0;color:#27424f;text-decoration:none;border-bottom:1px solid #d7dcd9;font-size:12px}.r27-outline nav a:hover{text-decoration:underline}.r27-outline>p{color:#5a6871;line-height:1.6;font-size:11px}.r27-article{min-width:0}.r27-chapter{padding:18px 0 36px;border-bottom:1px solid #cdd4d2;margin-bottom:22px}.r27-chapter h2{font:400 clamp(26px,3vw,37px)/1.24 Georgia,serif;letter-spacing:-.025em;color:#142f40;margin:0 0 22px;max-width:850px}.r27-chapter h3{font-size:18px;line-height:1.4;margin:18px 0 10px;font-weight:800}.r27-chapter p{margin:0 0 20px;max-width:78ch}.r27-kicker+.r27-chapter h2{margin-top:0}.r27-cites{white-space:nowrap;font:750 11px/1.6 system-ui;vertical-align:baseline}.r27-cites a{color:#555f66;padding:0 1px}
.r27-quote{border-left:4px solid #ac322e;padding:20px 24px;margin:27px 0;background:#ece6d9;font:400 clamp(23px,2.8vw,30px)/1.35 Georgia,serif;color:#192f3e}.r27-money-grid{display:grid;grid-template-columns:1fr;gap:16px;margin:24px 0}.r27-money-grid article{border:1px solid #cdd7d8;padding:24px 25px;background:#fff}.r27-money-grid h3{margin:0 0 12px}.r27-money-grid p{margin-bottom:0}.r27-number{font:750 13px/1.5 system-ui;color:#936019;float:right;letter-spacing:.07em}.r27-table-wrap{overflow:auto;margin:25px 0;border:1px solid #bcc8ca}.r27-table-wrap table{width:100%;border-collapse:collapse;font-size:14px;line-height:1.6;background:#fff;min-width:420px}.r27-table-wrap th,.r27-table-wrap td{text-align:left;padding:15px 18px;vertical-align:top;border-bottom:1px solid #d8dfdf}.r27-table-wrap thead th{background:#132f41;color:#fff;font-size:12px;letter-spacing:.035em}.r27-table-wrap tbody th{width:30%;font-weight:750}.r27-table-wrap tbody tr:nth-child(even){background:#f1f3f1}
.r27-verdict{border:1px solid #c5ab86;background:#f2ebdf;padding:22px 26px;margin:22px 0}.r27-verdict h3{margin-top:0}.r27-verdict p:last-child{margin-bottom:0}.r27-example{background:#102738;color:#ecf0ef;padding:28px;border-top:3px solid #d5a661;margin:25px 0}.r27-example h3{font:400 28px/1.25 Georgia;color:#fff;margin-top:0}.r27-example .r27-kicker{color:#edc991}.r27-example dl{margin:24px 0}.r27-example dl div{display:flex;justify-content:space-between;gap:25px;border-bottom:1px solid #62727b;padding:9px 0;font-size:15px}.r27-example dd{margin:0;font-variant-numeric:tabular-nums;font-weight:750}.r27-example p:last-child{font-size:13px;color:#c9d6da;margin-bottom:0}.r27-example .r27-total{color:#f1d3a3;font-size:18px;font-weight:800;border:0;padding-top:17px}.r27-pattern-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin:24px 0}.r27-pattern-grid article{border-top:3px solid #ab3831;padding:6px 20px 12px;background:#fff}.r27-pattern-grid p{font-size:14px;line-height:1.7}.r27-demands{list-style:none;counter-reset:demands;padding:0;margin:25px 0;display:grid;gap:0}.r27-demands li{counter-increment:demands;position:relative;padding:20px 0 20px 55px;border-top:1px solid #cbd4d5}.r27-demands li:before{content:counter(demands,decimal-leading-zero);position:absolute;left:0;top:20px;font:700 23px/1.3 Georgia;color:#9a6420}.r27-demands h3{margin-top:0}.r27-demands p{font-size:15px;margin-bottom:0}.r27-tool{padding:27px;border:1px solid #bdcdd2;border-top:4px solid #173c4f;background:#fff;margin:28px 0}.r27-tool h3{margin-top:0}.r27-tool p{font-size:14px}.r27-input-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.r27-input-grid label{font:700 12px/1.5 system-ui;color:#1c3545}.r27-input-grid input{display:block;box-sizing:border-box;width:100%;min-height:44px;border:1px solid #8196a1;font:500 18px/1.5 system-ui;border-radius:2px;padding:8px 10px;margin-top:7px;color:#173849;background:#f8faf9}.r27-tool-results{margin:25px 0 15px;padding:19px;background:#edf1ee}.r27-tool-results p{display:flex;justify-content:space-between;align-items:baseline;gap:20px;font-weight:750;font-size:13px;margin:0 0 12px}.r27-tool-results p:last-child{margin:0}.r27-tool-results output{font:700 23px/1.3 Georgia;white-space:nowrap}.r27-tool-error{color:#9c2727;font-weight:700}.r27-small{font-size:12px!important;line-height:1.65}.r27-faq{border-top:1px solid #c6d1d3;padding:17px 0}.r27-faq summary{font-weight:750;cursor:pointer;font-size:16px}.r27-faq p{font-size:15px;margin:16px 0 4px}.r27-sources{font-size:13px;padding-left:25px;line-height:1.65}.r27-sources li{padding:8px 0 13px}.r27-sources a{overflow-wrap:anywhere;font-weight:750}.r27-sources p{font-size:12px;color:#57666f;margin:7px 0 0}.r27-closing{background:#102738;color:#fff;padding:32px;margin:35px 0 0;border-top:4px solid #c69b59}.r27-closing h2{font:400 34px/1.25 Georgia;color:#f0d3a8;margin:12px 0}.r27-closing p{font-size:16px;max-width:65ch}.r27-footer{background:#0b1d2b;color:#dbe4e7;padding:40px 0}.r27-footer nav{display:flex;flex-wrap:wrap;gap:15px 25px;margin:25px 0}.r27-footer nav a{font-size:13px;color:#edc890}.r27-footer .r27-small{max-width:850px;color:#b7c6cd}.r27-library{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.r27-library article{background:#fff;border:1px solid #ccd6d7;padding:23px}.r27-library h3{margin-top:0;font:400 24px/1.25 Georgia}.r27-library h3 a{color:#183c50;text-decoration:none}.r27-library p{font-size:14px}.r27-library .r27-kicker{font-size:10px;color:#8a5820}.r27-text-link{font-weight:750;font-size:13px}.r27-banner{padding:28px;background:#102738;color:#fff;border-top:4px solid #d1a567;margin:25px 0}.r27-banner h3{color:#f4d4a4;font:400 29px/1.25 Georgia;margin-top:0}
/* Embedded blocks are namespaced to avoid disturbing older releases. */
.r27-feature{scroll-margin-top:160px;display:block!important;clear:both;width:100%;margin:28px auto;padding:0 24px;font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:#ecf0ef;line-height:1.65}.r27-feature-inner{width:100%;max-width:1160px;margin:0 auto;padding:clamp(24px,4vw,48px);background:#102738;border-top:5px solid #d3aa69;box-shadow:0 10px 28px #0b1d2b12}.r27-feature .r27-kicker{color:#e8c68d!important;font:750 11px/1.6 system-ui;letter-spacing:.14em;margin:0 0 13px!important;text-transform:uppercase}.r27-feature h2,.r27-feature h3{font:400 clamp(26px,3vw,40px)/1.2 Georgia,serif!important;color:#fff!important;margin:0 0 18px!important;letter-spacing:-.02em}.r27-feature p{font:400 16px/1.7 system-ui!important;color:#dfe8e9!important;margin:0 0 18px!important;max-width:880px}.r27-feature strong{color:inherit}.r27-feature a{color:#f3d09a;text-underline-offset:3px}.r27-feature .r27-button{color:#112635!important;background:#e2b875;text-decoration:none;font:750 13px/1.5 system-ui}.r27-feature .r27-feature-links{display:flex;flex-wrap:wrap;gap:15px 24px;margin-top:20px}.r27-feature .r27-feature-links a{font:750 13px/1.6 system-ui}.r27-feature .r27-feature-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;border-top:1px solid #5e6e78;padding-top:25px;margin-top:25px}.r27-feature .r27-feature-grid h3{font-size:22px!important}.r27-feature .r27-feature-grid p{font-size:14px!important}.r27-feature .r27-meta{font:500 12px/1.6 system-ui!important;color:#bfd0d8!important;margin-top:20px!important}
@media(min-width:1500px){.r27-shell{max-width:1380px}.r27-layout{grid-template-columns:225px minmax(0,1fr)}}
@media(max-width:1000px){.r27-layout{grid-template-columns:170px minmax(0,1fr);gap:30px}.r27-header-inner{align-items:flex-start}.r27-header nav{gap:9px 17px}.r27-header nav a{font-size:12px}.r27-pattern-grid,.r27-library{grid-template-columns:1fr}}
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@media(prefers-reduced-motion:no-preference){.r27-publication{scroll-behavior:smooth}}
@media print{.r27-header,.r27-footer,.r27-outline,.r27-actions,.r27-skip,#r27-cost-form button{display:none!important}.r27-publication{background:white;color:black;font:11pt/1.5 Georgia}.r27-shell{max-width:none;padding:0}.r27-hero{background:white;color:black;padding:0 0 18px;border-bottom:2px solid black}.r27-hero h1,.r27-hero h1 span,.r27-lede,.r27-byline,.r27-hero .r27-kicker,.r27-breadcrumb,.r27-breadcrumb a{color:black}.r27-layout{display:block;padding-top:12px}.r27-chapter{break-inside:auto}.r27-chapter h2,.r27-chapter h3{break-after:avoid}.r27-example,.r27-closing,.r27-banner{background:#eee;color:black}.r27-example h3,.r27-example p,.r27-example .r27-total,.r27-closing h2{color:black!important}.r27-table-wrap{overflow:visible}.r27-table-wrap table{min-width:0}.r27-sources{font-size:9pt}.r27-sources a:after{content:" (" attr(href) ")";font-weight:normal;overflow-wrap:anywhere}}