.ltr-page{--ltr-ink:#1a1814;--ltr-ink-soft:#3a342c;--ltr-line:#8a6a3c2e;--ltr-rule:#8a6a3c57;--ltr-muted:#6b6256;--ltr-paper:#f7f4ef;--ltr-bronze:#8a6a3c;--ltr-bronze-soft:#8a6a3c1a;--ltr-space:1.25rem;--ltr-space-lg:2.75rem;--ltr-space-xl:4rem;color:var(--ltr-ink);background:linear-gradient(180deg, #ebe6dc 0%, var(--ltr-paper) 16rem, var(--ltr-paper) 100%);padding-top:7.25rem;padding-bottom:4.5rem;position:relative;overflow-x:clip}@media (width>=768px){.ltr-page{--ltr-space:1.5rem;--ltr-space-lg:3.25rem;--ltr-space-xl:4.75rem;padding-top:8.25rem;padding-bottom:6rem}}.ltr-page__shell{z-index:1;max-width:72rem;margin:0 auto;padding:0 1.25rem;position:relative}@media (width>=640px){.ltr-page__shell{padding:0 2rem}}@media (width>=1024px){.ltr-page__shell{padding:0 3rem}}.ltr-btn{letter-spacing:.06em;text-transform:uppercase;border-radius:9999px;justify-content:center;align-items:center;min-height:2.85rem;padding:.7rem 1.35rem;font-size:.75rem;font-weight:700;text-decoration:none;transition:background-color .2s,color .2s;display:inline-flex}.ltr-btn--primary{background:var(--color-primary,#00694b);color:#fff}.ltr-btn--primary:hover{background:var(--color-primary-hover,#008560)}.ltr-section-head{max-width:42rem;margin-bottom:1.925rem}.ltr-section-head--narrow{margin-bottom:1.485rem}.ltr-section-head__title{font-family:var(--font-display,Georgia, "Times New Roman", serif);letter-spacing:-.02em;color:var(--ltr-ink);margin:.99rem 0 0;font-size:clamp(1.55rem,3vw,2.05rem);font-weight:400;line-height:1.2}.ltr-section-head__lead{color:var(--ltr-muted);margin:.88rem 0 0;font-size:1.02rem;line-height:1.65}.ltr-reveal{opacity:0;transform:translateY(.65rem)}.ltr-reveal.is-in{opacity:1;transition:opacity .45s cubic-bezier(.22,1,.36,1),transform .45s cubic-bezier(.22,1,.36,1);transition-delay:var(--ltr-reveal-delay,0s);transform:none}@media 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var(--ltr-line);grid-template-columns:repeat(2,minmax(0,1fr));gap:0;max-width:none;margin:0;padding:0;list-style:none;display:grid}@media (width>=900px){.ltr-hero__meta{grid-template-columns:repeat(4,minmax(0,1fr))}}.ltr-hero__meta-item{box-sizing:border-box;border-right:1px solid var(--ltr-line);border-bottom:1px solid var(--ltr-line);flex-direction:column;justify-content:center;align-items:flex-start;gap:.45rem;width:100%;min-width:0;min-height:5.5rem;padding:1.25rem 1.1rem;display:flex}.ltr-hero__meta-item:nth-child(2n){border-right:none}.ltr-hero__meta-item:nth-last-child(-n+2){border-bottom:none}@media (width>=900px){.ltr-hero__meta-item{border-right:1px solid var(--ltr-line);border-bottom:none;min-height:5.75rem;padding:1.35rem 1.15rem}.ltr-hero__meta-item:nth-child(2n){border-right:1px solid var(--ltr-line)}.ltr-hero__meta-item:last-child{border-right:none}}.ltr-hero__meta-value{font-family:var(--font-display,Georgia, "Times New Roman", serif);letter-spacing:-.02em;color:var(--ltr-ink);white-space:nowrap;font-size:clamp(1.2rem,1.6vw,1.35rem);font-weight:500;line-height:1.15}.ltr-hero__meta-label{color:var(--ltr-muted);text-wrap:balance;font-size:.88rem;line-height:1.35}.ltr-quartet-section{padding-top:1.925rem;scroll-margin-top:6rem}.ltr-quartet{gap:1.75rem;display:grid}.ltr-quartet__markers{border-top:1px solid var(--ltr-line);border-left:1px solid var(--ltr-line);grid-template-columns:repeat(2,minmax(0,1fr));gap:0;display:grid}@media (width>=800px){.ltr-quartet__markers{grid-template-columns:repeat(4,minmax(0,1fr))}}.ltr-quartet__marker{appearance:none;border:none;border-right:1px solid var(--ltr-line);border-bottom:1px solid var(--ltr-line);min-height:5.25rem;font-family:var(--font-display,Georgia, "Times New Roman", serif);letter-spacing:-.01em;color:var(--ltr-muted);text-align:left;cursor:pointer;background:0 0;flex-direction:column;align-items:flex-start;gap:.45rem;margin:0;padding:1.15rem 1.1rem;font-size:1.02rem;font-weight:500;transition:color .15s,background-color .15s,box-shadow .15s;display:flex}.ltr-quartet__marker:hover,.ltr-quartet__marker:focus-visible{color:var(--ltr-ink);outline:none}.ltr-quartet__marker:focus-visible{outline:2px solid var(--ltr-bronze);outline-offset:-2px}.ltr-quartet__marker.is-active{color:var(--ltr-ink);background:var(--ltr-bronze-soft);box-shadow:inset 0 -2px 0 var(--ltr-bronze)}.ltr-quartet__marker-num{letter-spacing:.06em;color:var(--ltr-bronze);font-family:ui-monospace,SF Mono,Menlo,Consolas,monospace;font-size:.7rem;font-weight:600}.ltr-quartet__marker:not(.is-active) .ltr-quartet__marker-num{color:color-mix(in srgb, var(--ltr-bronze) 45%, var(--ltr-muted))}.ltr-quartet__marker-label{min-width:0;line-height:1.25}.ltr-quartet__detail{border-top:1px solid var(--ltr-line);min-width:0;padding:.35rem 0 .5rem;overflow:hidden}.ltr-quartet__detail.is-resizing{transition:height .3s cubic-bezier(.22,1,.36,1)}.ltr-quartet__panel[hidden]{display:none!important}.ltr-quartet__panel.is-animating{animation:.3s cubic-bezier(.22,1,.36,1) ltr-panel-enter}@keyframes ltr-panel-enter{0%{opacity:0;transform:translateY(.45rem)}to{opacity:1;transform:translateY(0)}}@media (prefers-reduced-motion:reduce){.ltr-quartet__detail.is-resizing{transition:none}.ltr-quartet__panel.is-animating{animation:none}}.ltr-quartet__panel-title{font-family:var(--font-display,Georgia, "Times New Roman", serif);letter-spacing:-.025em;color:var(--ltr-ink);margin:1.1rem 0 0;font-size:clamp(1.45rem,2.6vw,1.9rem);font-weight:500}.ltr-quartet__facts{border-top:1px solid var(--ltr-line);margin:1.25rem 0 0;padding:0;list-style:none}.ltr-quartet__fact{border-bottom:1px solid var(--ltr-line);gap:.35rem;padding:1rem 0;display:grid}@media (width>=640px){.ltr-quartet__fact{grid-template-columns:minmax(8rem,12rem) minmax(0,1fr);align-items:baseline;gap:1.25rem}}.ltr-quartet__fact:last-child{border-bottom:none;padding-bottom:.25rem}.ltr-quartet__fact-label{letter-spacing:.06em;text-transform:uppercase;color:var(--ltr-bronze);font-size:.72rem;font-weight:700}.ltr-quartet__fact-value{color:var(--ltr-ink-soft);font-size:1.02rem;line-height:1.55}.ltr-tax{margin-top:var(--ltr-space-xl);padding-top:var(--ltr-space-lg);border-top:1px solid var(--ltr-line);scroll-margin-top:6rem}.ltr-tax__ledger{border-top:1px solid var(--ltr-line);margin:0;padding:0;list-style:none}.ltr-tax__row{border-bottom:1px solid var(--ltr-line);gap:.55rem;padding:1.2rem 0;display:grid}.ltr-tax__row:last-child{border-bottom:none}@media (width>=720px){.ltr-tax__row{grid-template-columns:minmax(10rem,16rem) minmax(0,1fr);align-items:start;gap:1.5rem}}.ltr-tax__category{font-family:var(--font-display,Georgia, "Times New Roman", serif);letter-spacing:-.015em;color:var(--ltr-ink);font-size:1.05rem;font-weight:500;line-height:1.35}.ltr-tax__benefit{color:var(--ltr-ink-soft);font-size:.98rem;line-height:1.55}.ltr-smart{margin-top:var(--ltr-space-xl);padding-top:var(--ltr-space-lg);border-top:1px solid var(--ltr-line);scroll-margin-top:6rem}.ltr-smart__points{border-top:1px solid var(--ltr-line);margin:0;padding:0;list-style:none}.ltr-smart__point{border-bottom:1px solid var(--ltr-line);color:var(--ltr-ink-soft);padding:1.05rem 0;font-size:1.02rem;line-height:1.6}.ltr-smart__point:last-child{border-bottom:none}.ltr-matcher{border-top:1px solid var(--ltr-line);flex-direction:column;align-items:flex-start;gap:1.25rem;margin-top:2rem;padding-top:1.75rem;display:flex}@media (width>=720px){.ltr-matcher{flex-direction:row;justify-content:space-between;align-items:center;gap:2rem}}.ltr-matcher__eyebrow{letter-spacing:.08em;text-transform:uppercase;color:var(--ltr-bronze);margin:0;font-size:.68rem;font-weight:700}.ltr-matcher__title{font-family:var(--font-display,Georgia, "Times New Roman", serif);letter-spacing:-.02em;color:var(--ltr-ink);margin:.4rem 0 0;font-size:clamp(1.25rem,2.2vw,1.55rem);font-weight:500}.ltr-matcher__text{max-width:36rem;color:var(--ltr-muted);margin:.55rem 0 0;font-size:.98rem;line-height:1.55}.ltr-process{margin-top:var(--ltr-space-xl);padding-top:var(--ltr-space-lg);border-top:1px solid var(--ltr-line);scroll-margin-top:6rem}.ltr-process__steps{border-top:1px solid var(--ltr-line);margin:0;padding:0;list-style:none}.ltr-process__step{border-bottom:1px solid var(--ltr-line);grid-template-columns:2.5rem minmax(0,1fr);gap:.85rem 1.15rem;padding:1.15rem 0;display:grid}.ltr-process__step:last-child{border-bottom:none;padding-bottom:.25rem}.ltr-process__step-num{font-family:var(--font-display,Georgia, "Times New Roman", serif);color:var(--ltr-bronze);font-size:.9rem;font-weight:500}.ltr-process__step-title{font-family:var(--font-display,Georgia, "Times New Roman", serif);letter-spacing:-.015em;color:var(--ltr-ink);margin:0;font-size:1.08rem;font-weight:500}.ltr-process__step-text{color:var(--ltr-muted);margin:.4rem 0 0;font-size:.98rem;line-height:1.55}.ltr-faqs{margin-top:var(--ltr-space-xl);padding-top:var(--ltr-space-lg);border-top:1px solid var(--ltr-rule);scroll-margin-top:6rem}.ltr-faqs__list{border-top:1px solid var(--ltr-rule)}.ltr-faq{border-bottom:1px solid var(--ltr-rule)}.ltr-faq__summary{cursor:pointer;grid-template-columns:2.5rem minmax(0,1fr) 1.5rem;align-items:center;gap:.75rem 1rem;padding:1.2rem 0;list-style:none;display:grid}.ltr-faq__summary::-webkit-details-marker{display:none}.ltr-faq__summary:focus-visible{outline:2px solid var(--ltr-bronze);outline-offset:4px}.ltr-faq__index{font-family:var(--font-display,Georgia, "Times New Roman", serif);color:var(--ltr-bronze);font-size:.9rem;font-weight:500}.ltr-faq__question{font-family:var(--font-display,Georgia, "Times New Roman", serif);letter-spacing:-.015em;color:var(--ltr-ink);font-size:clamp(1.05rem,2vw,1.2rem);font-weight:500;line-height:1.35}.ltr-faq__icon{justify-self:end;width:.85rem;height:.85rem;position:relative}.ltr-faq__icon:before,.ltr-faq__icon:after{content:"";background:var(--ltr-bronze);transition:transform .2s;position:absolute}.ltr-faq__icon:before{width:100%;height:1.5px;top:50%;left:0;transform:translateY(-50%)}.ltr-faq__icon:after{width:1.5px;height:100%;top:0;left:50%;transform:translate(-50%)}.ltr-faq[open] .ltr-faq__icon:after{transform:translate(-50%)scaleY(0)}.ltr-faq__panel{grid-template-rows:0fr;transition:grid-template-rows .28s cubic-bezier(.22,1,.36,1);display:grid}.ltr-faq[open] .ltr-faq__panel{grid-template-rows:1fr}.ltr-faq__panel-inner{overflow:hidden}.ltr-faq__answer{max-width:44rem;color:var(--ltr-muted);margin:0 0 1.25rem;padding-left:3.5rem;font-size:1.02rem;line-height:1.7}@media (width<=639px){.ltr-faq__answer{padding-left:0}}@media (prefers-reduced-motion:reduce){.ltr-faq__panel,.ltr-faq__icon:before,.ltr-faq__icon:after{transition:none}}.ltr-cta{margin-top:var(--ltr-space-xl);padding-top:var(--ltr-space-lg);border-top:1px solid var(--ltr-rule);text-align:center;scroll-margin-top:6rem}.ltr-cta__title{max-width:28rem;font-family:var(--font-display,Georgia, "Times New Roman", serif);letter-spacing:-.025em;color:var(--ltr-ink);margin:0 auto;font-size:clamp(1.65rem,3.2vw,2.25rem);font-weight:400;line-height:1.2}.ltr-cta__text{max-width:36rem;color:var(--ltr-muted);margin:1.1rem auto 0;font-size:1.05rem;line-height:1.65}.ltr-cta__actions{flex-wrap:wrap;justify-content:center;align-items:center;gap:.85rem 1.35rem;margin-top:1.75rem;display:flex}.ltr-related{width:100%;font-family:var(--font-display,Georgia, "Times New Roman", serif);color:var(--ltr-ink);text-wrap:pretty;flex-wrap:wrap;justify-content:center;align-items:baseline;gap:0;margin:1.75rem 0 0;font-size:1.02rem;line-height:1.6;display:flex}.ltr-related__label{color:var(--color-primary,#00694b);margin-right:.55rem;font-style:italic}.ltr-related__sep{color:color-mix(in srgb, var(--ltr-muted) 45%, transparent);margin-inline:.4rem}.ltr-related__link{color:inherit;text-underline-offset:.18em;text-decoration:none}.ltr-related__link:hover,.ltr-related__link:focus-visible{color:var(--color-primary,#00694b);outline:none;text-decoration:underline}