
:root{--ink:#283440;--muted:#526575;--line:#dce3e9;--canvas:#fff;--night:#142433;--brand:#f7521f;--accent:#374f65;--wash:#f2f5f8}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:140px}body{margin:0;background:var(--canvas);color:var(--ink);font:16px/1.8 Arial,Helvetica,sans-serif;letter-spacing:0}a{color:var(--accent);text-underline-offset:3px}a:hover{color:#bd431e}a:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid #e36d44;outline-offset:4px}.folio-skip-copy{position:absolute;left:15px;top:-100px;z-index:90;background:white;padding:10px}.folio-skip-copy:focus{top:10px}.folio-brandbar{position:sticky;top:0;z-index:40;background:var(--night);color:white}.folio-brandbar-inner{width:min(1200px,calc(100% - 40px));margin:auto;min-height:76px;display:flex;align-items:center;gap:28px}.folio-brand-home{display:flex;align-items:center;flex:0 1 170px;min-width:0}.folio-brand-home img{display:block;width:166px;max-width:100%;height:auto}.folio-brandnav{display:flex;align-items:center;gap:24px;margin-right:auto}.folio-brandnav a{color:#e2eaf0;font-size:13px;font-weight:700;text-decoration:none;white-space:nowrap}.folio-access-buttons{display:flex;gap:10px;min-width:0}.folio-access-buttons a{display:flex;align-items:center;justify-content:center;min-height:43px;padding:10px 21px;border-radius:3px;font-size:13px;line-height:1.35;font-weight:700;white-space:nowrap;text-decoration:none}.folio-register-link{background:var(--brand);color:#fff}.folio-register-link:hover{background:#d94316;color:#fff}.folio-login-link{background:#344b60;color:#fff;border:1px solid #5a7184}.folio-login-link:hover{background:#47667e;color:white}.folio-access-header{margin-left:auto;flex-shrink:0}.folio-language-band{background:white;border-bottom:1px solid var(--line)}.folio-language-inner{width:min(1200px,calc(100% - 40px));margin:auto;min-height:40px;display:flex;align-items:center;gap:24px}.folio-language-options{display:flex;align-items:center;gap:24px;overflow-x:auto;overscroll-behavior-inline:contain;scrollbar-width:none;min-width:0}.folio-language-options a{display:block;padding:10px 0;color:#546675;font-size:11px;text-decoration:none;white-space:nowrap;flex-shrink:0}.folio-language-options a[aria-current]{color:#c44722;font-weight:700}.folio-compact-menu{display:none}.folio-promotion-band{background:var(--wash);border-bottom:1px solid var(--line)}.folio-promotion-band figure{max-width:1200px;line-height:0;margin:0 auto}.folio-promotion-band img{display:block;width:100%;height:auto}.folio-access-promotion{justify-content:center;padding:18px 16px 21px}.folio-access-promotion a{min-width:180px;min-height:46px;font-size:14px}.folio-welcome-copy h1{font-size:38px;line-height:1.2;margin:0 0 19px;overflow-wrap:anywhere}.folio-welcome-copy p{font-size:17px;line-height:1.8;color:var(--muted);margin:0;overflow-wrap:anywhere}.folio-article-copy{min-width:0}.folio-article-section{min-width:0;padding:0 0 25px;margin:0 0 30px}.folio-article-section h2{font-size:28px;line-height:1.35;margin:0 0 19px;color:var(--accent);overflow-wrap:anywhere}.folio-article-section h3{font-size:21px;line-height:1.4;margin:26px 0 12px;overflow-wrap:anywhere}.folio-article-section p{margin:12px 0 20px;overflow-wrap:anywhere}.folio-article-section ol,.folio-article-section ul{padding-left:25px;margin:18px 0 24px}.folio-article-section li{padding:3px 0 4px 4px;overflow-wrap:anywhere}.folio-article-section li::marker{font-weight:700;color:var(--accent)}.folio-payments-scroll{width:100%;max-width:100%;overflow-x:auto;overscroll-behavior-inline:contain;margin:25px 0 29px;background:white;border-block:1px solid var(--line)}table{border-collapse:collapse;width:100%;font-size:14px;line-height:1.65}.folio-payments-wide table{min-width:720px}th,td{padding:14px 16px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}thead{background:var(--wash)}th{font-size:12px;color:var(--accent)}tbody tr:nth-child(even){background:#f7f9fa}tbody tr:last-child td{border-bottom:0}.folio-article-section td p,.folio-article-section th p{margin:0;font-size:inherit;line-height:inherit}.folio-answer-fold{padding:19px 0;border-top:1px solid var(--line)}.folio-answer-fold:last-child{border-bottom:1px solid var(--line)}.folio-answer-fold summary{display:flex;align-items:flex-start;justify-content:space-between;gap:20px;cursor:pointer;list-style:none;min-width:0}.folio-answer-fold summary::-webkit-details-marker{display:none}.folio-answer-fold summary:after{content:'+';flex:0 0 18px;font-size:24px;line-height:1.2;text-align:center;color:var(--accent)}.folio-answer-fold[open] summary:after{content:'−'}.folio-answer-fold summary h3{margin:0;font-size:18px;line-height:1.5;min-width:0}.folio-answer-fold>p{margin:15px 0 4px;color:var(--muted)}.folio-end-band{margin-top:35px}.folio-end-content{width:min(1200px,calc(100% - 40px));margin:auto;padding:32px 0}.folio-end-brand{font-size:21px;font-weight:800;text-decoration:none}.folio-end-links,.folio-end-languages{display:flex;gap:15px 24px;flex-wrap:wrap}.folio-end-links a,.folio-end-languages a{font-size:12px;text-decoration:none;overflow-wrap:anywhere}.folio-end-languages a[aria-current]{font-weight:700}.folio-end-responsibility{font-size:12px;line-height:1.8;margin:23px 0 0}.folio-end-responsibility strong{font-size:15px;margin-right:12px}.folio-gtm-slot{display:none;visibility:hidden}
@media(max-width:1000px){.folio-brandnav{gap:16px}.folio-brandbar-inner{gap:19px}.folio-brand-home{flex-basis:148px}.folio-access-header a{padding-inline:14px}}
@media(max-width:900px){.folio-brandnav{display:none}.folio-brandbar-inner{width:calc(100% - 28px);min-height:64px;gap:10px}.folio-brand-home{flex:0 1 128px}.folio-brand-home img{width:128px}.folio-access-header{gap:7px}.folio-access-header a{min-height:37px;font-size:11px;padding:8px 10px}.folio-language-inner{width:calc(100% - 28px);gap:20px}.folio-language-options{gap:19px}.folio-language-options a{font-size:10px}.folio-compact-menu{display:block;position:relative;flex-shrink:0}.folio-compact-menu>summary{display:flex;align-items:center;gap:9px;min-height:40px;font-size:11px;font-weight:700;color:#526575;list-style:none;cursor:pointer}.folio-compact-menu>summary::-webkit-details-marker{display:none}.folio-compact-menu>summary:after{content:'+';font-size:16px}.folio-compact-menu[open]>summary:after{content:'−'}.folio-compact-menu nav{position:absolute;top:40px;left:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:4px 17px;padding:13px;background:white;border:1px solid var(--line);width:min(360px,calc(100vw - 44px));max-height:65vh;overflow-y:auto;box-shadow:0 8px 18px #17263520}.folio-compact-menu nav a{font-size:12px;text-decoration:none;padding:7px 0;overflow-wrap:anywhere}.folio-welcome-copy h1{font-size:32px}.folio-welcome-copy p{font-size:16px}.folio-article-section h2{font-size:25px}.folio-end-content{width:calc(100% - 32px)}}
@media(max-width:480px){.folio-brand-home{flex-basis:115px}.folio-brand-home img{width:115px}.folio-access-header a{font-size:10px;min-height:35px;padding:8px}.folio-access-promotion{padding:14px 16px 17px;gap:10px}.folio-access-promotion a{flex:1 1 0;min-width:0;min-height:43px;font-size:13px;padding-inline:6px}.folio-welcome-copy h1{font-size:28px;margin-bottom:15px}.folio-welcome-copy p{font-size:15px}.folio-article-section h2{font-size:23px}.folio-article-section h3{font-size:19px}.folio-article-section p,.folio-article-section li{font-size:15px}.folio-answer-fold summary h3{font-size:16px}.folio-article-section{margin-bottom:23px;padding-bottom:20px}th,td{padding:11px 13px}.folio-end-links{display:grid;grid-template-columns:repeat(2,minmax(0,1fr))}.folio-end-languages{gap:9px 17px}}
@media(max-width:359px){.folio-brand-home{flex-basis:88px}.folio-brand-home img{width:88px}.folio-brandbar-inner{gap:7px}.folio-access-header{gap:5px}.folio-access-header a{padding-inline:6px}.folio-language-inner{gap:16px}.folio-language-options{gap:16px}.folio-welcome-copy h1{font-size:26px}.folio-article-section h2{font-size:22px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}@media print{.folio-brandbar,.folio-promotion-band,.folio-chapter-nav,.folio-end-band{display:none}body{background:white;color:black}.folio-body-layout{display:block!important;width:100%!important}.folio-payments-scroll{overflow:visible}.folio-payments-wide table{min-width:0}.folio-answer-fold>p{display:block}}

:root{--ink:#292d32;--muted:#626a73;--accent:#354658;--night:#20262f;--line:#dce0e5;--wash:#f2f3f5}.folio-brandbar-inner{min-height:82px}.folio-language-band{background:#f3f4f6}.folio-welcome-copy{width:min(1180px,calc(100% - 40px));margin:auto;padding:35px 0 31px}.folio-welcome-copy h1{max-width:1000px;font-family:Georgia,'Times New Roman',serif;font-size:40px}.folio-welcome-copy p{max-width:1000px}.folio-promotion-band{background:#20262f}.folio-promotion-band figure{max-width:1180px}.folio-body-layout{width:min(1180px,calc(100% - 40px));margin:38px auto 0;display:grid;grid-template-columns:minmax(0,1fr) 188px;gap:55px;align-items:start}.folio-article-copy{grid-column:1;grid-row:1}.folio-chapter-nav{grid-column:2;grid-row:1;position:sticky;top:150px;border-top:3px solid #d8825d;padding-top:14px}.folio-chapter-nav>p{font-size:11px;font-weight:700;text-transform:uppercase;margin:0 0 13px;color:#78818c}.folio-chapter-nav nav{display:grid}.folio-chapter-nav a{display:block;padding:9px 0;border-bottom:1px solid var(--line);font-size:12px;font-weight:700;text-decoration:none;overflow-wrap:anywhere}.folio-article-section h2{font-family:Georgia,'Times New Roman',serif;font-size:29px;border-bottom:1px solid #cdd3da;padding-bottom:14px}.folio-article-section h3{color:#4e5966}.folio-payments-scroll{border-top:3px solid #b96a46}.folio-end-band{background:#20262f;color:#cbd2db;border-top:4px solid #ad6b4f}.folio-end-content{display:grid;grid-template-columns:minmax(0,1fr) 230px;gap:22px 40px}.folio-end-top{display:contents}.folio-end-brand{color:#fff;grid-column:1}.folio-end-links{grid-column:1}.folio-end-links a,.folio-end-languages a{color:#cbd2db}.folio-end-languages{grid-column:2;grid-row:1 / 3;display:grid;grid-template-columns:1fr 1fr;align-content:start;gap:12px 20px;padding-top:6px}.folio-end-languages a[aria-current]{color:#ffb390}.folio-end-responsibility{grid-column:1 / -1;padding-top:20px;border-top:1px solid #454e5b;margin-top:3px}
@media(max-width:1050px){.folio-body-layout{grid-template-columns:minmax(0,1fr) 155px;gap:33px}}@media(max-width:900px){.folio-brandbar-inner{min-height:64px}.folio-welcome-copy,.folio-body-layout{width:min(760px,calc(100% - 32px))}.folio-welcome-copy{padding:26px 0}.folio-welcome-copy h1{font-size:33px}.folio-body-layout{display:block;margin-top:27px}.folio-chapter-nav{display:none}.folio-article-section h2{font-size:25px}.folio-end-content{grid-template-columns:minmax(0,1fr) 180px;gap:20px}.folio-end-links{display:grid;grid-template-columns:1fr}.folio-end-languages{gap:13px 15px}}@media(max-width:480px){.folio-welcome-copy h1{font-size:29px}.folio-article-section h2{font-size:24px}.folio-end-content{display:block}.folio-end-links{margin-top:18px;grid-template-columns:repeat(2,minmax(0,1fr))}.folio-end-languages{display:flex;margin-top:22px;gap:12px 18px}.folio-end-responsibility{margin-top:22px}}@media(max-width:359px){.folio-welcome-copy h1{font-size:27px}.folio-article-section h2{font-size:22px}}
