.article-body .fm-partner{display:grid;grid-template-columns:auto 1fr;align-items:center;gap:28px;margin-block:30px;padding-block:24px;border-block:1px solid #dce3e4}.rv .article-body .fm-partner-brand{display:inline-flex;align-items:center;gap:10px;color:#1b3a5c;text-decoration:none;font-size:24px;font-weight:800;letter-spacing:-.02em}.fm-partner-brand img{flex:0 0 48px;width:48px;height:48px}.rv .article-body .fm-partner p{margin:0;font-size:16px!important;line-height:1.6}@media(max-width:600px){.article-body .fm-partner{grid-template-columns:1fr;gap:16px}}.article-body .fm-visual{--fm-navy: #1b3a5c;--fm-teal: #2a7d8e;--fm-gold: #c5a55a;margin:36px 0;padding:30px;border:1px solid #dce3e4;border-radius:12px;background:#f7f6f3;color:var(--fm-navy);font-size:15px;line-height:1.5}.rv .article-body .fm-visual h3{margin:8px 0 26px;font-size:28px;line-height:1.15;text-wrap:balance}.fm-visual .fm-eyebrow{display:block;font-size:10px;line-height:1.5;font-weight:700;letter-spacing:.12em;text-transform:uppercase}.fm-visual figcaption{margin-top:24px;padding-top:16px;border-top:1px solid #d3dcdd;color:#536674;font-size:13px;line-height:1.6}.rv .article-body .fm-visual ol{list-style:none;margin:0;padding:0}.rv .article-body .fm-visual li{margin:0}.article-body .fm-flow{background:var(--fm-navy);color:#fff;border:0}.fm-flow .fm-flow-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}.fm-flow-steps li{position:relative;display:flex;flex-direction:column;align-items:start;gap:10px}.fm-flow-steps li+li:before{content:"→";position:absolute;top:12px;left:-23px;color:#bad8de;font-size:21px}.fm-flow-steps .fm-eyebrow{color:#bad8de}.fm-flow-steps strong{font-size:19px;line-height:1.2}.fm-flow-steps strong+span{color:#e0e9ef;font-size:14px}.fm-step-icon{width:52px;height:52px;display:grid;place-items:center;border:1px solid #7893a5;border-radius:10px;margin-bottom:6px}.fm-step-icon svg{width:36px;height:36px;stroke:#e1c785;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}.fm-flow figcaption{border-color:#587084;color:#d2e2eb}.fm-profit-bar{display:flex;height:58px;overflow:hidden;border-radius:5px}.fm-direct{background:var(--fm-navy)}.fm-overhead{background:var(--fm-gold)}.fm-remaining{background:var(--fm-teal)}.fm-profit-bar .fm-direct{width:76%}.fm-profit-bar .fm-overhead{width:22%;border-left:2px solid #f7f6f3}.fm-profit-bar .fm-remaining{width:2%;border-left:1px solid #f7f6f3}.fm-gross-bracket{margin:10px 0 25px 76%;border:1px solid #899caa;border-top:0;height:9px;position:relative}.fm-gross-bracket span{position:absolute;top:14px;right:0;width:170px;text-align:right;font-size:12px}.fm-profit-key{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;padding-top:38px}.fm-profit-key dt{font-size:12px;display:flex;align-items:center;gap:7px}.fm-profit-key i{display:inline-block;width:9px;height:9px;flex:0 0 9px;border-radius:2px}.fm-profit-key dd{margin:8px 0 0;font-size:clamp(23px,2.5vw,32px);line-height:1.15;font-weight:750;letter-spacing:-.03em}.article-body .fm-cash{background:#edf4f3}.fm-timeline{display:grid;grid-template-columns:repeat(3,1fr);gap:0}.fm-timeline li{display:flex;flex-direction:column;align-items:start;gap:10px;position:relative;padding-right:18px}.fm-timeline li:before{content:"";position:absolute;left:0;right:0;top:52px;border-top:2px solid #b3c9c9}.fm-timeline li:last-child{padding-right:0}.fm-timeline li:last-child:before{display:none}.fm-timeline .fm-day{font-size:13px;font-weight:650}.fm-timeline-dot{position:relative;z-index:1;width:42px;height:42px;border-radius:50%;border:2px solid var(--fm-navy);background:#edf4f3;display:grid;place-items:center;font-size:24px;line-height:1}.fm-payday .fm-timeline-dot{background:var(--fm-gold)}.fm-due .fm-timeline-dot{border-style:dashed}.fm-receipt .fm-timeline-dot{background:var(--fm-teal);border-color:var(--fm-teal);color:#fff}.fm-timeline strong{font-size:17px;line-height:1.25}.fm-timeline strong+span{font-size:13px;color:#455e68}.fm-cash-equation{display:flex;align-items:center;justify-content:space-between;gap:8px;margin-top:28px;padding:16px;background:#fff;border-radius:6px;font-size:12px}.fm-cash-equation b{color:var(--fm-teal);font-size:18px}.fm-report-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.fm-report{display:flex;flex-direction:column;align-items:start;gap:12px}.fm-report+.fm-report{border-left:1px solid #d3dcdd;padding-left:20px}.fm-report-icon{width:56px;height:56px;stroke:var(--fm-navy);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}.fm-icon-accent{stroke:var(--fm-teal)}.fm-report .fm-eyebrow{color:#526974}.fm-report strong{font-size:19px;line-height:1.2}.fm-report strong+span{font-size:14px;color:#455e68}@media(max-width:600px){.article-body .fm-visual{padding:23px 20px;margin-block:28px}.rv .article-body .fm-visual h3{font-size:25px}.fm-flow .fm-flow-steps{grid-template-columns:1fr;gap:30px}.fm-flow-steps li{padding-left:65px;min-height:80px;gap:6px}.fm-flow-steps .fm-step-icon{position:absolute;top:0;left:0;width:45px;height:45px}.fm-flow-steps li+li:before{content:"↓";left:17px;top:-29px}.fm-profit-bar{height:42px}.fm-profit-key{grid-template-columns:1fr;gap:14px}.fm-profit-key>div{display:flex;justify-content:space-between;align-items:center;gap:12px}.fm-profit-key dd{margin:0;font-size:26px}.fm-timeline{grid-template-columns:1fr;gap:0}.fm-timeline li{padding:0 0 26px 60px;gap:6px}.fm-timeline li:last-child{padding-bottom:0}.fm-timeline li:before{inset:24px auto 0 20px;border-top:0;border-left:2px solid #b3c9c9}.fm-timeline-dot{position:absolute;left:0;top:0}.fm-cash-equation{display:grid;grid-template-columns:18px 1fr;justify-content:start;gap:7px;font-size:13px}.fm-cash-equation>span:first-child{grid-column:2}.fm-report-grid{grid-template-columns:1fr;gap:24px}.fm-report{position:relative;padding-left:65px;gap:8px}.fm-report+.fm-report{border-left:0;border-top:1px solid #d3dcdd;padding:22px 0 0 65px}.fm-report-icon{position:absolute;top:0;left:0;width:45px;height:45px}.fm-report+.fm-report .fm-report-icon{top:22px}}.article-body .tp-visual{margin:34px 0;padding:30px;border:1px solid #dce3e4;border-radius:12px;background:#f7f6f3;color:#1b3a5c;font-size:15px;line-height:1.6}.rv .article-body .tp-visual h3{margin:8px 0 26px;font-size:26px;line-height:1.3;letter-spacing:0;font-weight:600}.tp-eyebrow{display:block;font-size:11px;line-height:1.5;font-weight:650;letter-spacing:.1em;text-transform:uppercase}.tp-visual figcaption{padding-top:17px;margin-top:24px;border-top:1px solid #d3dcdd;color:#536674;font-size:13px;line-height:1.6}.tp-compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px}.tp-service{display:flex;flex-direction:column;align-items:start}.tp-service+.tp-service{border-left:1px solid #d3dcdd;padding-left:26px}.tp-service svg{width:52px;height:52px;margin-bottom:18px;stroke:#2a7d8e;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}.tp-service strong{margin-top:8px;font-size:20px;line-height:1.35}.rv .article-body .tp-service ul{margin:16px 0 20px;padding-left:18px;font-size:15px}.rv .article-body .tp-service li{margin-block:6px}.tp-output{margin-top:auto;font-size:14px;font-weight:650;color:#2a6673}.article-body .tp-year{background:#1b3a5c;color:#fff;border:0}.rv .article-body .tp-year-grid{display:grid;grid-template-columns:1fr 1fr;gap:30px;list-style:none;padding:0;margin:0}.rv .article-body .tp-year-grid li{position:relative;display:flex;flex-direction:column;align-items:start;gap:10px;margin:0;padding-top:20px;border-top:1px solid #536f87}.tp-quarter{font-size:13px;font-weight:650;color:#e5ca8c}.tp-year-grid strong{font-size:19px;line-height:1.35}.tp-year-grid strong+span{color:#dce8ef;font-size:15px}.tp-year figcaption{border-color:#536f87;color:#dce8ef}.article-body .tp-decision{background:#edf4f3}.tp-decision-sheet{background:#fff;border:1px solid #dce3e4;border-radius:6px;padding:23px;box-shadow:0 8px 20px #1b3a5c08}.tp-decision-header{display:grid;grid-template-columns:54px 1fr;-moz-column-gap:15px;column-gap:15px;align-items:center;padding-bottom:20px}.tp-decision-header svg{grid-row:1 / 3;width:54px;height:40px;stroke:#2a7d8e;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}.tp-decision-header strong{font-size:18px}.tp-decision-header span{font-size:12px;color:#536674}.tp-decision dl>div{display:grid;grid-template-columns:100px 1fr;gap:18px;padding-block:15px;border-top:1px solid #e2e9e7}.tp-decision dt{font-size:13px;font-weight:650;color:#2a6673}.tp-decision dd{margin:0;font-size:15px}@media(max-width:600px){.article-body .tp-visual{padding:23px 20px}.rv .article-body .tp-visual h3{font-size:24px}.tp-compare-grid{grid-template-columns:1fr;gap:24px}.tp-service+.tp-service{border-left:0;padding-left:0;border-top:1px solid #d3dcdd;padding-top:24px}.tp-service svg{width:44px;height:44px;margin-bottom:12px}.rv .article-body .tp-year-grid{grid-template-columns:1fr;gap:23px}.tp-decision-sheet{padding:18px}.tp-decision dl>div{grid-template-columns:1fr;gap:5px}.tp-decision-header{grid-template-columns:1fr;gap:4px}.tp-decision-header svg{grid-row:auto;margin-bottom:10px}}body:has(.article-editorial) .rv .equipment-checklist{margin-block:32px 40px;border:1px solid #d6e3df;border-radius:12px;background:#f5f8f6;overflow:hidden}body:has(.article-editorial) .rv .equipment-checklist figcaption{padding:24px 26px 20px}body:has(.article-editorial) .rv .equipment-checklist figcaption>span,body:has(.article-editorial) .rv .equipment-example .equipment-example-label{display:block;font-size:11px!important;font-weight:650;letter-spacing:.1em;text-transform:uppercase;color:var(--teal-text)}body:has(.article-editorial) .rv .equipment-checklist figcaption>strong{display:block;margin-top:8px;font:600 23px/1.35 Montserrat Variable,Montserrat,sans-serif;color:#182f43;text-wrap:balance}body:has(.article-editorial) .rv .equipment-checklist ol{list-style:none;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0;margin:0;padding:0 10px 22px}body:has(.article-editorial) .rv .equipment-checklist li{margin:0;padding:0 16px}body:has(.article-editorial) .rv .equipment-checklist li+li{border-left:1px solid #d6e3df}body:has(.article-editorial) .rv .equipment-step{display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;border:1px solid #cfb16b;border-radius:50%;color:#182f43;font-size:12px;margin-bottom:12px}body:has(.article-editorial) .rv .equipment-checklist li strong{font-size:17px;font-weight:650}body:has(.article-editorial) .rv .equipment-checklist li p{margin-top:6px;font-size:16px!important;line-height:1.55}body:has(.article-editorial) .rv .equipment-example{margin-block:22px 36px;padding:26px 28px;border-left:3px solid #c5a55a;background:#f7f6f2;border-radius:0 10px 10px 0}body:has(.article-editorial) .rv .equipment-example p+p{margin-top:18px}@media(max-width:600px){body:has(.article-editorial) .rv .equipment-checklist figcaption{padding:22px 20px 16px}body:has(.article-editorial) .rv .equipment-checklist figcaption>strong{font-size:21px}body:has(.article-editorial) .rv .equipment-checklist ol{grid-template-columns:1fr;padding:0 20px 18px}body:has(.article-editorial) .rv .equipment-checklist li{display:flex;gap:14px;padding:16px 0}body:has(.article-editorial) .rv .equipment-checklist li+li{border-left:0;border-top:1px solid #d6e3df}body:has(.article-editorial) .rv .equipment-step{flex-shrink:0;margin:0}body:has(.article-editorial) .rv .equipment-example{padding:22px}}body:has(.article-editorial) .rv .article-header.article-editorial{max-width:1060px!important;padding:120px 0 30px}body:has(.article-editorial) .rv .article-header.article-editorial h1{font-size:clamp(28px,2.5vw,36px);font-weight:600;font-variation-settings:normal;line-height:1.19;letter-spacing:0;text-wrap:balance}body:has(.article-editorial) .rv .article-header .rv-kicker{margin-bottom:0}body:has(.article-editorial) .rv .article-topic{margin-block:18px 12px}body:has(.article-editorial) .rv .article-header .rv-lead{max-width:880px;margin-top:18px;font-size:19px;line-height:1.55}body:has(.article-editorial) .rv .byline{margin-top:22px;gap:12px}body:has(.article-editorial) .rv .byline time{display:inline}body:has(.article-editorial) .rv .byline time+time:before{content:" · ";margin-inline:5px}body:has(.article-editorial) .rv .article-editorial-media{max-width:1060px}body:has(.article-editorial) .rv .article-editorial-body{width:min(1000px,calc(100% - 80px));grid-template-columns:220px minmax(0,1fr);gap:60px;padding-block:56px 64px}body:has(.article-editorial) .rv .article-body{max-width:720px}body:has(.article-editorial) .rv .article-body h2{font-size:clamp(24px,1.81vw,26px)!important;line-height:1.3;text-wrap:balance;margin-block:40px 18px}body:has(.article-editorial) .rv .article-body h3{font-size:22px!important}body:has(.article-editorial) .rv .article-body>p{line-height:1.75}body:has(.article-editorial) .rv .article-body li:not(:where(figure *,.cs_toc *)){font-size:18px!important}body:has(.article-editorial) .rv .article-body table{overflow-x:auto!important}body:has(.article-editorial) .rv .article-layout aside{max-height:calc(100svh - 140px);overflow-y:auto;scrollbar-width:thin}body:has(.article-editorial) .rv .article-toc summary{display:flex;align-items:center;justify-content:space-between;gap:16px;list-style:none;cursor:pointer;color:var(--teal-text);font-size:12px;font-weight:650;letter-spacing:.1em;text-transform:uppercase;padding-block:8px}body:has(.article-editorial) .rv .article-toc summary::-webkit-details-marker{display:none}body:has(.article-editorial) .rv .article-toc summary span{font-size:22px;line-height:1;transition:transform .15s}body:has(.article-editorial) .rv .article-toc[open] summary span{transform:rotate(45deg)}body:has(.article-editorial) .rv .article-toc nav{gap:0;padding-top:10px}body:has(.article-editorial) .rv .article-toc nav a{padding:9px 0;font-size:14px;line-height:1.45;border-bottom:1px solid #e6ecec}body:has(.article-editorial) .rv .article-toc nav a:last-child{border-bottom:0}body:has(.article-editorial) .rv .article-summary{margin-top:28px}body:has(.article-editorial) .rv .author-note{margin-top:30px}body:has(.article-editorial) .rv .article-next-step{padding-block:0 56px;background:#fff}body:has(.article-editorial) .rv .article-next-step .rv-heading{max-width:1060px;grid-template-columns:1fr 1fr;gap:44px;align-items:center;margin-bottom:0;padding:36px 40px;border-radius:12px;background:#1b3a5c;color:#f7f6f3}body:has(.article-editorial) .rv .article-next-step .rv-kicker{color:#dfc584;margin-bottom:12px}body:has(.article-editorial) .rv .article-next-step h2{font-size:26px;line-height:1.3;text-wrap:balance;color:#f7f6f3}body:has(.article-editorial) .rv .article-next-step p:not(.rv-kicker){color:#dce7ed;font-size:17px}body:has(.article-editorial) .rv .article-next-step .rv-actions{margin-top:20px}body:has(.article-editorial) .rv .article-next-step .rv-button{background:#d0b16a;border-color:#d0b16a;color:#142d43}body:has(.article-editorial) .rv .article-next-step .rv-button:hover{background:#e2c78d}body:has(.article-editorial) .site-footer .footer-invitation{padding-block:30px;gap:28px}body:has(.article-editorial) .site-footer .footer-invitation:before{display:none}body:has(.article-editorial) .site-footer .footer-invitation h2{font-size:24px;line-height:1.3;letter-spacing:0}body:has(.article-editorial) .site-footer .footer-invitation h2 br{display:initial}body:has(.article-editorial) .site-footer .footer-eyebrow{display:none}body:has(.article-editorial) .site-footer .footer-invitation>div>p:last-child{font-size:15px;margin-top:8px}body:has(.article-editorial) .site-footer .footer-invitation .footer-book{background:transparent;color:#fff;border:1px solid #8296a6;min-height:46px;padding:10px 18px}body:has(.article-editorial) .site-footer .footer-invitation .footer-book:hover{background:#24465f}@media(max-width:900px){body:has(.article-editorial) .rv .article-editorial-body{grid-template-columns:1fr;gap:26px;padding-top:28px}body:has(.article-editorial) .rv .article-layout aside{max-height:none;overflow:visible;padding-bottom:0;border-bottom:0}body:has(.article-editorial) .rv .article-toc{border-block:1px solid #dce3e4}body:has(.article-editorial) .rv .article-toc summary{padding:16px 2px}body:has(.article-editorial) .rv .article-toc nav{grid-template-columns:1fr;padding:0 2px 14px}body:has(.article-editorial) .rv .article-body{max-width:none}body:has(.article-editorial) .rv .article-next-step .rv-heading{gap:28px;padding:30px}}@media(max-width:600px){body:has(.article-editorial) .rv .article-body h3{font-size:20px!important}body:has(.article-editorial) .rv .article-header.article-editorial{padding:110px 0 24px}body:has(.article-editorial) .rv .article-header.article-editorial h1{font-size:28px}body:has(.article-editorial) .rv .article-header .rv-lead{font-size:18px}body:has(.article-editorial) .rv .article-editorial-body{width:calc(100% - 40px);padding-bottom:40px}body:has(.article-editorial) .rv .byline time{font-size:11px}body:has(.article-editorial) .rv .article-next-step{padding-bottom:36px}body:has(.article-editorial) .rv .article-next-step .rv-heading{grid-template-columns:1fr;padding:26px 24px;gap:18px}body:has(.article-editorial) .rv .article-next-step h2{font-size:24px}body:has(.article-editorial) .site-footer .footer-invitation{align-items:flex-start;gap:18px}body:has(.article-editorial) .site-footer .footer-invitation h2{font-size:22px}}body:has(.article-editorial) .rv .article-body .cs_expert_insight p{opacity:1!important}body:has(.article-editorial) .rv .article-body .cs_cta_box{background:#f7f6f2!important;border:1px solid #dce3e4}body:has(.article-editorial) .rv .article-body table:focus-visible{outline:3px solid var(--teal-text);outline-offset:4px}body:has(.article-editorial) .rv .article-body .cs_expert_insight{--accent: var(--gold-text)}
