/* Editorial pages share the site's Trusted Guidance palette and type. */
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.resource-page .masthead{border-bottom:1px solid var(--line)}
.article-hero{display:grid;grid-template-columns:1.12fr .88fr;gap:6%;align-items:center;padding-top:58px;padding-bottom:64px}
.article-hero h1{font-size:clamp(36px,3.9vw,62px);line-height:1.13;max-width:22ch}
.article-hero .eyebrow{font-size:10px;margin-bottom:25px;color:#40562e}
.article-dek{font-size:17px;line-height:1.8;color:var(--soft);margin:26px 0 28px;max-width:46ch}
.article-meta{display:flex;flex-direction:column;gap:5px;font-size:11px;color:var(--soft)}
.article-art{min-width:0;position:relative;overflow:hidden}
.article-art img{width:100%;height:auto;aspect-ratio:4/3;object-fit:contain}
.article-art figcaption{padding:0 30px 25px;font-size:12px;letter-spacing:.02em}
.art-loans{background:#dde8cf}.art-forms{background:#e4ebee}.art-budget{background:#eee9db}.art-offers{background:#dde8cf}
.article-takeaway{display:grid;grid-template-columns:240px minmax(0,780px);gap:5%;background:var(--navy);color:var(--ivory);padding-block:34px}
.article-takeaway>p{font-size:10px;letter-spacing:.13em;text-transform:uppercase;color:var(--green);margin:5px 0 0;font-weight:700}
.article-takeaway>div{font-size:19px;line-height:1.65;max-width:65ch}
.article-layout{display:grid;grid-template-columns:240px minmax(0,780px);gap:5%;padding-top:64px;padding-bottom:70px;align-items:start}
.article-sidebar{position:sticky;top:32px;padding-right:15px}
.article-sidebar nav>p{font-size:10px;text-transform:uppercase;letter-spacing:.12em;font-weight:700;margin-bottom:19px}
.article-sidebar ol{list-style:none;padding:0;margin:0;border-top:1px solid var(--line)}
.article-sidebar li{border-bottom:1px solid var(--line)}
.article-sidebar li a{display:block;padding:12px 0;font-size:12px;line-height:1.7;color:var(--soft)}
.article-sidebar li a:hover{color:var(--navy);text-decoration:underline;text-underline-offset:4px}
.sidebar-service{display:block;margin-top:27px;font-size:12px;line-height:1.7;font-weight:700;max-width:22ch}
.sidebar-service span{margin-left:4px;color:#40562e}
.article-body{font-size:17px;line-height:1.9;min-width:0}
.article-body>p{max-width:none;margin-bottom:24px}
.article-body>p:first-child{font-size:21px;line-height:1.75;letter-spacing:-.02em}
.article-body h2{font-size:clamp(28px,2.6vw,38px);line-height:1.2;margin:50px 0 24px;scroll-margin-top:28px}
.article-body a{color:#294a32;text-decoration:underline;text-decoration-color:#9cad8c;text-underline-offset:4px;text-decoration-thickness:1px;overflow-wrap:anywhere}
.article-body a:hover{text-decoration-color:var(--navy);color:var(--navy)}
.article-body li{padding-left:5px;margin:10px 0}.article-body ul{padding-left:23px;margin:24px 0 30px}
.article-table{margin:32px 0;overflow-x:auto;border:1px solid var(--line)}
.article-table:focus-visible{outline:3px solid var(--steel);outline-offset:4px}
.article-table table{width:100%;border-collapse:collapse;font-size:14px;line-height:1.7;text-align:left}
.article-table th,.article-table td{padding:17px 20px;vertical-align:top;border-bottom:1px solid var(--line)}
.article-table thead{background:var(--navy);color:var(--ivory)}
.article-table th{font-weight:500}.article-table tbody tr:nth-child(even){background:#e9eddf}.article-table tbody tr:last-child>*{border-bottom:0}
.explainer{padding:32px;background:var(--sage);margin:44px 0;break-inside:avoid}
.explainer figcaption,.explainer h3{font-size:23px;font-weight:500;line-height:1.3;letter-spacing:-.025em;margin:0 0 14px}
.explainer .graphic-note{font-size:12px;line-height:1.7;color:#3b4b3b;margin:12px 0 0;max-width:none}
.compare-bars{margin:27px 0}
.compare-bars>div{display:grid;grid-template-columns:80px 1fr 80px;gap:15px;align-items:center;margin:18px 0;font-size:12px}
.compare-bars strong{font-size:16px;font-weight:500;text-align:right}
.bar-track{height:28px;background:#c8d4bb}.bar-track span{display:block;height:100%;background:var(--navy)}
.compare-bars>div:last-child .bar-track span{background:#466b31}
.forms-explainer{background:#e4ebee}.application-path{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;list-style:none;padding:0!important;margin:28px 0!important}
.application-path li{margin:0;padding:0!important;border-top:1px solid #a9bcc7;padding-top:20px!important}
.application-path span{display:block;font-size:11px;color:#405463;margin-bottom:16px}.application-path strong{display:block;font-size:17px;font-weight:500;line-height:1.4}
.application-path p{font-size:12px;line-height:1.7;margin:10px 0 0;color:var(--soft)}
.loan-explainer{background:var(--navy);color:var(--ivory)}.loan-explainer .graphic-note{color:#d5dfd0}
.year-columns{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin:28px 0}
.year-columns>div>strong{display:block;text-align:center;font-size:19px;font-weight:500;margin-bottom:15px}
.column-track{height:150px;background:#243045;position:relative;border:1px dashed #83917e;display:flex;align-items:flex-end}
.column-track>div{background:var(--green);width:100%;position:relative}
.column-track>span{position:absolute;top:16px;width:100%;text-align:center;font-size:12px;color:#e7eecf;line-height:1.6}
.year-columns>div>span{display:block;text-align:center;font-size:12px;margin-top:10px}
.budget-tool{background:#eee9db}.budget-fields{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:23px 0}
.budget-fields label{font-size:12px;line-height:1.6;font-weight:700}
.budget-fields input{display:block;width:100%;font:inherit;font-size:18px;font-weight:400;padding:10px 12px;border:1px solid #7a8470;background:var(--ivory);border-radius:0;margin-top:7px;color:var(--navy)}
.budget-fields input:focus-visible{outline:3px solid var(--steel);outline-offset:3px}
.budget-tool button{border:0}.budget-tool [role=status]{border-top:1px solid #b9bcad;margin-top:26px;padding-top:22px}
.budget-result-label{font-size:12px;line-height:1.6;margin-bottom:5px}.budget-result-number{font-size:48px;letter-spacing:-.05em;font-weight:500;line-height:1.3;font-variant-numeric:tabular-nums}
.article-related-reading{border-block:1px solid var(--line);padding-block:25px;margin-top:40px}.article-related-reading p{font-size:10px;letter-spacing:.1em;text-transform:uppercase;margin-bottom:7px}.article-related-reading a{font-size:19px;line-height:1.5}
.article-body .research-date{font-size:11px;line-height:1.8;color:var(--soft);margin-top:25px}
.article-conversation{display:grid;grid-template-columns:1fr .8fr;gap:10%;align-items:center;padding-block:65px;background:var(--sage)}
.article-conversation h2{font-size:clamp(35px,4vw,55px)}.article-conversation p:not(.eyebrow){font-size:15px;color:var(--soft);margin:23px 0}.article-conversation img{width:100%;height:auto;aspect-ratio:1.59;object-fit:cover}
.article-conversation .eyebrow{font-size:10px;margin-bottom:24px}
.resource-section-heading{display:flex;align-items:flex-end;justify-content:space-between;gap:40px;margin-bottom:36px}.resource-section-heading h2{font-size:clamp(30px,3.5vw,48px);max-width:22ch}
.resource-section-heading>span{font-size:11px;color:var(--soft)}.resource-section-heading .text-link{flex-shrink:0}
.resource-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px}
.resource-card{min-width:0}.card-art{display:block;overflow:hidden}.card-art img{width:100%;height:auto;aspect-ratio:4/3;transition:transform .25s ease-out}.resource-card:hover .card-art img{transform:scale(1.025)}
.card-copy{padding-top:25px}.card-copy .eyebrow{font-size:9px;letter-spacing:.1em;margin-bottom:14px;color:#40562e}
.card-copy h3{font-size:25px;line-height:1.25;max-width:25ch}.card-copy h3 a:hover{text-decoration:underline;text-decoration-color:#94cf2d;text-underline-offset:5px}
.card-copy>p:not(.eyebrow){font-size:13px;color:var(--soft);line-height:1.8;margin:18px 0 22px}
.card-copy .text-link{font-size:11px}.more-resources,.home-resources{padding-block:80px}
.resources-intro{padding-top:64px;padding-bottom:45px}.resources-intro h1{font-size:clamp(48px,6.8vw,98px);line-height:1.08;max-width:15ch}.resources-intro h1 span{color:#40562e}
.resources-intro .eyebrow{margin-bottom:25px;font-size:10px}.resources-intro-bottom{display:flex;justify-content:space-between;align-items:flex-end;gap:40px;margin-top:30px}.resources-intro-bottom p{font-size:17px;line-height:1.75;color:var(--soft);max-width:51ch;margin:0}.resources-intro-bottom .text-link{flex-shrink:0}
.library-photo img{width:100%;height:clamp(240px,35vw,480px);object-fit:cover;object-position:center 42%}.library-photo figcaption{font-size:10px;color:var(--soft);padding-top:11px;text-align:right}.library-photo figcaption a{text-decoration:underline;text-underline-offset:3px}
.resources-list{padding-block:70px 85px}.featured-card{display:grid;grid-template-columns:1fr 1fr;gap:6%;align-items:center;margin-bottom:55px;padding-bottom:50px;border-bottom:1px solid var(--line)}.featured-card .card-copy{padding-top:0}.featured-card h3{font-size:clamp(29px,3vw,44px)}.featured-card .card-copy>p:not(.eyebrow){font-size:15px}
.resource-help{padding-block:65px;background:var(--sage)}.resource-help h2{font-size:clamp(33px,4vw,54px)}.resource-help>p{max-width:70ch;margin:25px 0;font-size:15px}.resource-help>p a{text-decoration:underline;text-underline-offset:4px}
.resource-footer{background:var(--navy);color:var(--ivory);padding-top:55px;padding-bottom:30px;display:grid;grid-template-columns:1fr 1fr;gap:35px}
.resource-footer img{width:250px;height:auto;margin-bottom:25px}.resource-footer>div>p{font-size:12px;color:#d5dfdf}.resource-footer>div>a:not(:first-child){font-size:12px}.resource-footer nav{display:flex;flex-direction:column;gap:16px;font-size:13px;justify-self:end}.resource-footer a:hover{text-decoration:underline;text-underline-offset:4px}
.resource-footer .resource-footer-bottom{grid-column:1/-1;border-top:1px solid #344252;padding-top:22px}.resource-footer-bottom p{max-width:110ch;font-size:10px!important;line-height:1.8;margin-bottom:8px}
.service-article-link{border-top:1px solid var(--line);padding-top:50px;padding-bottom:60px}.service-article-link p{font-size:13px;color:var(--soft);margin:15px 0}.service-article-link h2{font-size:32px}.service-article-link .text-link{max-width:100%;line-height:1.7}
@media(min-width:801px) and (max-width:1180px){.masthead nav{gap:16px}.masthead .brand{width:215px}.masthead .nav-contact{margin-left:0}.article-layout,.article-takeaway{grid-template-columns:190px minmax(0,1fr);gap:5%}.article-hero{gap:4%}.article-hero h1{font-size:42px}.article-dek{font-size:15px}}
@media(max-width:800px){
 .article-hero{grid-template-columns:1fr;gap:30px;padding-top:34px;padding-bottom:35px}.article-hero h1{font-size:clamp(33px,7.7vw,52px);max-width:23ch}.article-hero .eyebrow{margin-bottom:18px}.article-dek{font-size:15px;line-height:1.8;margin:22px 0}.article-meta{font-size:10px}.article-art{max-width:600px;width:100%;margin-inline:auto}.article-art img{aspect-ratio:4/2.6;object-fit:contain}.article-art figcaption{font-size:11px;padding:0 22px 20px}
 .article-takeaway{grid-template-columns:1fr;gap:13px;padding-block:27px}.article-takeaway>div{font-size:16px}.article-layout{grid-template-columns:1fr;gap:30px;padding-top:35px;padding-bottom:40px}.article-sidebar{position:static;padding:0}.article-sidebar nav{border-bottom:1px solid var(--line);padding-bottom:22px}.article-sidebar ol{display:grid;grid-template-columns:1fr 1fr;gap:0 20px}.article-sidebar li a{font-size:11px;padding:10px 0}.sidebar-service{display:none}.article-body{font-size:16px;line-height:1.85}.article-body>p:first-child{font-size:19px}.article-body h2{font-size:28px;margin-top:38px}.article-table{margin:27px 0}.article-table table{font-size:12px}.article-table th,.article-table td{padding:13px 11px}.explainer{padding:22px;margin-block:32px}.explainer figcaption,.explainer h3{font-size:22px}.compare-bars>div{grid-template-columns:65px 1fr 65px;gap:9px;font-size:11px}.compare-bars strong{font-size:14px}.bar-track{height:24px}.application-path{grid-template-columns:1fr;gap:18px}.application-path li{display:grid;grid-template-columns:26px 1fr;column-gap:10px}.application-path span{grid-row:1/3;margin:4px 0 0}.application-path p{grid-column:2}.year-columns{gap:12px}.year-columns>div>strong{font-size:14px}.column-track{height:125px}.column-track>span{font-size:10px}.budget-fields{grid-template-columns:1fr}.budget-result-number{font-size:43px}.article-conversation{grid-template-columns:1fr;padding-block:40px;gap:32px}.article-conversation img{max-width:500px}.article-conversation .eyebrow{font-size:9px}.resource-section-heading{align-items:flex-start;flex-direction:column;gap:20px;margin-bottom:28px}.resource-grid{grid-template-columns:1fr;gap:38px}.card-art img{aspect-ratio:4/2.6;object-fit:contain}.card-copy h3{font-size:27px}.card-copy{padding-top:21px}.card-copy>p:not(.eyebrow){font-size:14px;max-width:48ch}.more-resources,.home-resources{padding-block:45px}.resources-intro{padding-top:38px;padding-bottom:30px}.resources-intro h1{font-size:clamp(43px,10vw,72px)}.resources-intro-bottom{align-items:flex-start;flex-direction:column;gap:23px;margin-top:25px}.resources-intro-bottom p{font-size:15px}.library-photo img{height:270px}.library-photo figcaption{text-align:left;font-size:9px}.resources-list{padding-block:45px}.featured-card{grid-template-columns:1fr;gap:24px;padding-bottom:35px;margin-bottom:38px}.featured-card h3{font-size:29px}.resource-help{padding-block:40px}.resource-footer{grid-template-columns:1fr;padding-top:40px;gap:30px}.resource-footer nav{justify-self:start}.resource-footer img{width:220px}.service-article-link{padding-block:35px}.service-article-link h2{font-size:28px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.card-art img{transition:none}.resource-card:hover .card-art img{transform:none}}
@media print{.masthead,.article-sidebar,.more-resources,.article-conversation,.resource-footer,.skip-link{display:none!important}.article-hero,.article-layout,.article-takeaway{display:block;padding:20px 0}.article-art{max-width:300px}.article-body{font-size:11pt}.article-body a{color:inherit}.article-body h2{break-after:avoid}.article-table{overflow:visible}.resource-page{background:white}.budget-tool form{display:none!important}}