body{--rule:#D0DCE8;--muted:#44566C;--paper:#EEF4FA;color:var(--primary);background:var(--page-bg)}p{color:var(--muted)}.has-sidebar{--site-header-height:85px}.site-header{border-top:4px solid var(--primary);border-bottom:1px solid var(--rule);box-shadow:0 2px 8px #102e5005}.site-header .header-inner{height:80px}.brand-mark{color:var(--primary)}.brand-mark svg{width:40px;height:40px}.brand-word{font-weight:700}.brand-suffix{color:#52647A}.header-ency-label{color:#44566C;font-weight:500}.site-header .main-nav a{color:#243E5B}.site-header .main-nav a:hover{color:var(--accent)}.header-action{background:var(--primary);border-color:var(--primary)}.left-sidebar{background:#F3F6FA;border-color:var(--rule)}.sidebar-kicker{color:var(--primary)}.sidebar-editorial,.sidebar-intro>strong,.sidebar-number,.sidebar-section-label,.sidebar-section-label>span{color:#455B73}.sidebar-explore a,.sidebar-quick-links a,.sidebar-topics a{color:#253F5C}.sidebar-explore a svg,.sidebar-quick-links a svg{color:#526B85}.sidebar-explore a:hover,.sidebar-quick-links a:hover,.sidebar-topics a:hover{background:#E5EEF7;color:var(--accent)}.sidebar-explore a[aria-current],.sidebar-quick-links a[aria-current],.sidebar-topics a[aria-current]{background:#E2EDF8;color:#104F8B;box-shadow:inset 3px 0 var(--accent);font-weight:600}.mobile-sidebar,.sidebar-editorial,.sidebar-explore-label{border-color:var(--rule)}.mobile-sidebar{background:#F3F6FA}.mobile-sidebar>summary{color:var(--primary)}.mobile-sidebar>summary>small{color:#44566C}.editorial-masthead{color:#435A73}.editorial-masthead>a{color:#235B90;font-weight:500}.ency-hero{background:#fff}.ency-hero-copy .eyebrow{color:#155B9D;font-weight:600;letter-spacing:.5px}.ency-hero-grid,.site-content .ency-hero-grid{grid-template-columns:minmax(0,1fr) minmax(330px,420px);gap:36px;align-items:start;padding-block:43px 40px}.ency-hero-copy{padding-top:13px}.ency-hero-copy h1,.site-content .ency-hero-copy h1{font-size:clamp(44px,4.4vw,60px);line-height:1.4;letter-spacing:-1.7px}.ency-hero-copy>p{color:#314B66}.hero-reading-path{margin-top:19px;font-weight:600}.ency-proof,.ency-search-hints,.ency-search-hints>span{color:#455B73}.ency-search-hints>a{color:#155A99;text-decoration-color:#86A9C9}.knowledge-search form{border-color:#7897B7;box-shadow:0 3px 10px #143d6810}.knowledge-search input::placeholder{color:#536B83}.knowledge-search button{background:var(--accent)}.search-suggestions{border-color:#A9BFD5}.search-suggestions>a:hover{background:#EEF5FB}.suggestion-heading{color:#435A73}.search-suggestions>a span{color:#52647A}.ency-directory-bar{background:#102E50;border-color:#102E50}.ency-directory-bar span{color:#D2E2F2}.ency-directory-bar a{color:#fff;font-weight:500}.ency-directory-bar a:hover{color:#AEE4ED}.ency-directory-bar .wrap{padding-block:19px}.visual-explainer{min-width:0;background:#fff;border:1px solid #bbcee1;border-radius:6px;overflow:hidden;box-shadow:0 8px 25px #102E5009}.visual-tabs{display:flex;background:#F3F7FB;border-bottom:1px solid #c7d7e6;gap:0}.visual-tabs button{appearance:none;flex:1 1;min-width:0;line-height:1.65;border:0;border-right:1px solid #d6e1eb;border-bottom:3px solid transparent;padding:15px 8px 12px;background:transparent;color:#354E68;font-size:13px;font-weight:500;cursor:pointer}.visual-tabs button:last-child{border-right:0}.visual-tabs button[aria-selected=true]{background:#fff;color:#104F8B;border-bottom-color:#145DA5;font-weight:600}.visual-tabs button:focus-visible{outline-offset:-4px}.visual-panel>img{width:100%;height:auto;aspect-ratio:3/2}.visual-panel-copy{padding:22px 23px 23px;border-top:1px solid #d1dfec}.visual-panel-copy h2{font-size:20px;font-weight:600;line-height:1.6;letter-spacing:-.3px}.visual-panel-copy p{font-size:15px;line-height:1.85;margin-top:10px;color:#3A516B}.visual-panel-copy .text-link{margin-top:14px;color:#115797}.visual-panel-copy small{display:block;font-size:12px;line-height:1.8;color:#52647A;border-top:1px solid #dce5ee;padding-top:13px;margin-top:16px}.custom-hero-figure{margin:0}.custom-hero-figure img{width:100%;height:auto}.custom-hero-figure figcaption{font-size:14px;color:#44566C;margin-top:10px}.editorial-index,.ency-section .section-heading .eyebrow,.result-type,.topic-count,.topic-number{color:#3E5D7D}.ency-section .section-heading h2{color:var(--primary)}.ency-topic p,.section-heading p{color:#44566C}.ency-topic,.ency-topic-grid{border-color:var(--rule)}.ency-topic>svg{color:#2869A3}.ency-topic h3{color:#173C63}.ency-topic:hover h3{color:var(--accent)}.ency-topic:hover{background:#F6FAFE;border-color:var(--rule)}.ency-visuals{background:#EEF4FA;border-block:1px solid #D0DFED}.visual-guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.visual-guide-grid article{background:#fff;border:1px solid #c8d8e7;border-radius:5px;overflow:hidden;display:flex;flex-direction:column;min-width:0}.visual-guide-image{display:block;border-bottom:1px solid #d9e3ed;background:#EAF1F8}.visual-guide-image img{width:100%;height:auto;aspect-ratio:3/2}.visual-guide-grid article>div{padding:23px;display:flex;flex-direction:column;flex:1 1;align-items:start}.visual-category{font-size:12px;line-height:1.8;color:#155B9D;font-weight:600;margin-bottom:9px}.visual-guide-grid h3{font-size:20px;line-height:1.65;letter-spacing:-.3px}.visual-guide-grid h3 a:hover{text-decoration:underline;text-underline-offset:4px}.visual-guide-grid p{font-size:15px;line-height:1.9;margin-top:13px;margin-bottom:17px;color:#3C536D}.visual-guide-grid .text-link{margin-top:auto;padding-top:3px;color:#125B9F}.banking-figure{margin:27px 0 33px;background:#F0F5FA;border:1px solid #c4d6e8;border-radius:5px;overflow:hidden}.banking-figure img{width:100%;height:auto;max-width:690px;margin:auto;aspect-ratio:3/2}.banking-figure figcaption{font-size:13px;line-height:1.85;color:#405873;padding:17px 21px;background:#fff;border-top:1px solid #d4e0ed}.ency-answers{background:#fff}.answer-expanded>p{color:#263E58}.answer-meta,.answer-source{color:#3B5877}.status{color:#775005;background:#FFF3D8;border:1px solid #ecd39e}.status.verified{color:#08615E;background:#E9F6F3;border-color:#B6DCD5}.ency-source-note{color:#425B73}.ency-help-card{border-top-color:#AA6012;background:#FFF7E8}.ency-help-card p,.ency-help-card small{color:#62471E}.ency-help-card small{border-color:#DCC69E}.ency-help-card .editorial-index{color:#845312}.ency-help-card .text-link{color:#104F8B}.ency-tools{background:#fff}.tool-tile+.tool-tile{border-color:var(--rule)}.blue .icon-box,.icon-box,.sand .icon-box,.tool-arrow{color:var(--accent)}.tool-tile p{color:#44566C}.ency-cards{background:#F1F5FA;border-color:var(--rule)}.card-tile{border-color:#C3D4E5}.card-tile:has(.card-bank-heading){border-top-color:#145DA5}.card-bank-heading,.card-bank-heading>span:last-child,.reference-bank,.reference-bottom{color:#425D7A}.card-bank-heading{border-color:#D1DFEC}.card-tile h3{color:var(--primary)}.card-summary{color:#3B526B}.card-facts,.card-facts>div{border-color:#CFDBE7}.card-facts span{color:#455E79}.card-facts strong{color:#102E50}.tile-link{color:#155A99}.section-footnote{color:#425B73}.card-art,.detail-art{background:#E8F0F8}.product-reference{background:#fff;border-color:#AFC6DD;box-shadow:3px 3px 0 #D4E1EE}.reference-bottom{border-color:#CCDCEB}.ency-trust{background:#F3F6FA;border-color:var(--rule)}.trust-grid>div{border-color:#AEC4DB}.trust-grid p{color:#44566C}.ency-closing{border-color:var(--rule)}.site-footer{background:#102E50;border-top:4px solid #007c83;padding-top:38px;color:#fff}.site-footer .brand-mark{color:#fff}.site-footer .brand-mark svg>rect{fill:#1B456E}.site-footer .brand-suffix,.site-footer .brand-word,.site-footer .footer-grid h3{color:#fff}.footer-bottom,.footer-brand .footer-note,.footer-brand>p,.footer-grid>div>a:not(.brand),.footer-privacy{color:#D6E2EE}.footer-grid>div>a:not(.brand):hover{color:#fff;text-decoration:underline;text-underline-offset:4px}.footer-bottom{border-color:#41617F}.footer-privacy{font-size:13px}.ency-page-heading,.page-hero{border-bottom-color:var(--rule)}.breadcrumb{color:#465E78}.breadcrumb li:last-child{color:#263F59}.breadcrumb li+li:before{color:#526B85}.ency-answer-detail .prose,.prose{color:#263E58}.prose p{color:#2F435A}.prose a{color:#125795}.prose h2,.prose h3{color:#102E50}.prose blockquote{background:#EDF4FB;border-color:#286CA9}.article-intro{color:#354E68;border-color:var(--rule)}.article-byline{color:#435D78}.article-toc{background:#F0F5FB;border-color:#BDCEE0}.article-toc a{color:#125795}.notice{color:#674814;background:#FFF5E0;border-color:#DEC28D}.notice.success{color:#08615E;background:#E9F6F3;border-color:#B6DCD5}.quick-answer{background:#EDF5FC;border-left-color:#145DA5}.quick-answer>p{color:#1D3E61}.quick-answer .eyebrow{color:#175A95}.ency-search-aside{border-color:var(--rule)}.ency-search-aside>a{color:#315B84}.ency-aside-note{background:#EEF4FA}.ency-aside-note p,.ency-sources small,.ency-sources>p{color:#425B73}.knowledge-result{border-color:var(--rule)}.knowledge-result p{color:#44566C}.knowledge-result h3 svg{color:#155B9D}.result-count,.search-results-heading>span{color:#435B76}.empty-state,.ency-no-result,.ency-topic-action{background:#F1F6FB;border-color:#C3D5E7}.empty-state,.empty-state p{color:#435B76}.comparison-wrapper,.panel{border-color:#C4D5E6}.panel p,.read-more-list,.small{color:#3F556E}.source-panel,.tool-note{background:#EEF4FA}.source-panel p{color:#3E5671}.filter-bar{background:#F1F5FA;border-color:#C5D5E5}.field input,.field select,.filter-bar input,.filter-bar select{border-color:#A8BFD6;color:#183B60}.field small{color:#465E78}.pill{color:#2C557C;border-color:#BBCFE2}.pill.active{color:#fff;background:#102E50;border-color:#102E50}.steps span{background:#E8F0F8;color:#2E5478}.comparison-table th{background:#EDF3F9;color:#3E5671}.comparison-table td,.comparison-table th{border-color:#C9D8E7}.result-panel{background:#102E50;color:#fff}.result-panel .result-note,.result-panel h2,.result-panel p,.result-panel small{color:#D2E2F2}.result-panel .result-big,.result-panel h3{color:#fff}.result-panel .button{background:#fff;border-color:#fff;color:#123E68}.result-panel .button:hover{background:#E7F1FA}.result-row{border-color:#466481}.compare-dock{background:#102E50}.compare-dock p{color:#D2E2F2}.compare-dock .button{background:#fff;color:#123E68;border-color:#fff}.benefit-list li{border-color:#D3DFEB}.benefit-list svg{color:#007C83}.consent-banner p{color:#435B76}.editorial-ad-label{color:#52647A}@media(min-width:1600px){.ency-hero-grid,.site-content .ency-hero-grid{grid-template-columns:minmax(0,1fr) 460px;gap:50px}}@media(min-width:1200px) and (max-width:1350px){.ency-hero-grid,.site-content .ency-hero-grid{grid-template-columns:minmax(0,1fr) 350px;gap:27px}.ency-hero-copy h1,.site-content .ency-hero-copy h1{font-size:49px}.visual-panel-copy{padding:19px}.visual-tabs button{font-size:12px}.visual-guide-grid{gap:17px}.visual-guide-grid article>div{padding:20px}.visual-guide-grid h3{font-size:19px}}@media(min-width:801px) and (max-width:1199px){.ency-hero-grid,.site-content .ency-hero-grid{grid-template-columns:minmax(0,1fr) 350px;gap:27px}.ency-hero-copy h1,.site-content .ency-hero-copy h1{font-size:49px}.visual-tabs button{font-size:12px}}@media(max-width:900px){.visual-guide-grid{grid-template-columns:1fr}.visual-guide-grid article{display:grid;grid-template-columns:42% minmax(0,1fr)}.visual-guide-image{border-bottom:0;border-right:1px solid #d1dfec;display:flex;align-items:center}.visual-guide-grid article>div{padding:22px}.visual-guide-grid h3{font-size:20px}}@media(max-width:800px){.has-sidebar{--site-header-height:77px}.site-header .header-inner{height:72px}.site-header .main-nav.open{top:100%;border-color:var(--rule)}.site-header .main-nav a{color:#253F5C}.ency-hero-grid,.site-content .ency-hero-grid{grid-template-columns:1fr;gap:30px;padding-block:29px 30px}.ency-hero-copy{padding-top:0}.ency-hero-copy h1,.site-content .ency-hero-copy h1{font-size:48px}.visual-explainer{max-width:600px;width:100%;margin:auto}.visual-panel-copy h2{font-size:22px}.visual-tabs button{font-size:14px}.ency-directory-bar span{color:#D2E2F2}.ency-directory-bar a{color:#fff}.ency-directory-bar .wrap{gap:16px 22px}.banking-figure img{max-width:600px}.footer-grid{gap:30px}.site-footer{padding-top:32px}}@media(max-width:480px){.brand-mark svg{width:32px;height:32px}.site-header .brand{font-size:22px;gap:9px}.site-header .brand-suffix{font-size:12px}.site-header .header-inner{gap:9px}.header-ency-label{font-size:10px!important}.ency-hero-copy h1,.site-content .ency-hero-copy h1{font-size:39px;line-height:1.5;letter-spacing:-1.1px}.editorial-masthead>a{font-size:0}.ency-hero-copy .eyebrow{font-size:11px;letter-spacing:.4px}.hero-reading-path{font-size:14px;margin-top:16px}.visual-tabs button{font-size:12px;padding:14px 6px 11px}.visual-panel-copy{padding:20px}.visual-panel-copy h2{font-size:20px;line-height:1.65}.visual-panel-copy p{font-size:16px;line-height:1.85}.visual-panel-copy small{font-size:12px;line-height:1.85}.visual-guide-grid article{display:flex}.visual-guide-image{border-right:0;border-bottom:1px solid #d1dfec;display:block}.visual-guide-grid article>div{padding:22px}.visual-guide-grid h3{font-size:21px;line-height:1.65}.visual-guide-grid p{font-size:16px}.visual-category{font-size:13px}.banking-figure{margin-block:25px}.banking-figure figcaption{padding:16px 18px;font-size:13px;line-height:1.9}.site-footer .brand-mark svg{width:32px;height:32px}.footer-privacy{color:#D6E2EE}.editorial-ad-label{color:#52647A}}@media(max-width:360px){.site-header .brand{font-size:20px;gap:8px}.site-header .brand-suffix{font-size:11px}.brand-mark svg{width:29px;height:29px}.site-header .header-inner{gap:7px}.ency-hero-copy h1,.site-content .ency-hero-copy h1{font-size:36px}.visual-tabs button{font-size:11px}}