:root{--jem-navy:#10283f;--jem-navy-2:#0b1d30;--jem-blue:#176299;--jem-blue-dark:#114a75;--jem-red:#c63039;--jem-ink:#172d41;--jem-muted:#586b7a;--jem-line:#dce3e8;--jem-soft:#f5f6f3;--jem-white:#fff;--jem-shadow:0 12px 38px #10283f0b}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{margin:0;color:var(--jem-ink);background:#fff;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;text-rendering:optimizeLegibility}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}button,summary{cursor:pointer}img,video{display:block;max-width:100%;height:auto}iframe{max-width:100%}button{color:inherit}a,button,input,select,textarea,summary{touch-action:manipulation}:focus-visible{outline:3px solid #187cbe;outline-offset:4px}input,select,textarea{accent-color:var(--jem-blue)}h1,h2,h3{color:var(--jem-ink);line-height:1.15;letter-spacing:-.035em;margin:0}h1{font-size:clamp(36px,5.4vw,66px)}h2{font-size:clamp(27px,3vw,40px)}h3{font-size:22px}p{color:var(--jem-muted);line-height:1.7}main{min-width:0}.wrap,.jem-wrap{width:min(1180px,calc(100% - 48px));margin-inline:auto}.section{padding:clamp(48px,6vw,84px) 0}.jem-skip-link{position:absolute;inset:8px auto auto 12px;z-index:2000;padding:12px 18px;background:#fff;color:var(--jem-ink);transform:translateY(-160%)}.jem-skip-link:focus{transform:none}.notice{width:min(1180px,calc(100% - 48px));margin:16px auto;padding:16px;border-radius:10px}.notice.success{background:#eaf5ef;color:#165436;border:1px solid #b8dbc9}.notice.error{background:#fff1ef;color:#92262f;border:1px solid #eac5c9}.jem-kicker{font-size:12px;text-transform:uppercase;letter-spacing:.16em;font-weight:750;color:var(--jem-blue);margin:0 0 16px}.jem-button{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:48px;border-radius:7px;background:var(--jem-red);color:#fff;padding:12px 22px;border:1px solid transparent;font-weight:700;font-size:15px;line-height:1.4;transition:background .15s,box-shadow .15s}.jem-button:hover{background:#aa2431;box-shadow:0 5px 15px #10283f14}.jem-button.secondary{background:#fff;color:var(--jem-navy);border-color:var(--jem-line)}.jem-button.secondary:hover{background:#f0f4f6}.jem-text-link{color:var(--jem-blue);font-weight:700;text-decoration:underline;text-underline-offset:4px}.jem-actions{display:flex;gap:12px;align-items:center;flex-wrap:wrap}.jem-section-heading{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:32px}.jem-section-heading>div{max-width:670px}.jem-section-heading p:last-child{margin-bottom:0}.jem-chip{display:inline-block;border:1px solid var(--jem-line);border-radius:6px;padding:8px 12px;font-size:13px;background:#fff}.jem-muted{color:var(--jem-muted)}
/* Shared navigation. Native disclosures work before JavaScript loads. */
.jem-utility{background:var(--jem-navy);color:#fff;font-size:12px}.jem-utility .jem-wrap{min-height:36px;display:flex;align-items:center;justify-content:space-between;gap:16px}.jem-utility a{padding:7px 0}.jem-utility-links{display:flex;gap:20px}.jem-site-header{position:relative;z-index:40;background:#fff;border-bottom:1px solid var(--jem-line)}.jem-header-row{display:flex;align-items:center;gap:26px;min-height:94px}.jem-brand{display:flex;align-items:center;gap:12px;flex-shrink:0}.jem-brand img{width:66px;height:66px;object-fit:contain}.jem-brand strong{display:block;font-size:17px;line-height:1.2;letter-spacing:-.025em}.jem-brand span{display:block;font-size:11px;letter-spacing:.11em;text-transform:uppercase;margin-top:5px;color:var(--jem-muted)}.jem-desktop-nav{display:flex;align-items:center;gap:22px;margin-left:auto;font-size:14px;font-weight:600}.jem-desktop-nav>a{padding:18px 0}.jem-desktop-nav a:hover,.jem-nav-disclosure summary:hover{color:var(--jem-blue)}.jem-nav-disclosure{position:relative}.jem-nav-disclosure>summary{list-style:none;display:flex;align-items:center;gap:7px;padding:18px 0}.jem-nav-disclosure>summary::-webkit-details-marker{display:none}.jem-nav-disclosure>summary:after{content:'⌄';font-size:15px}.jem-nav-disclosure[open]>summary{color:var(--jem-blue)}.jem-menu-panel{position:absolute;top:calc(100% + 12px);left:-24px;background:#fff;border:1px solid var(--jem-line);border-radius:12px;box-shadow:0 18px 50px #10283f26;padding:20px;width:540px;display:grid;grid-template-columns:1fr 1fr;gap:6px;z-index:50}.jem-menu-panel a{padding:11px 12px;border-radius:6px;font-weight:600}.jem-menu-panel a:hover{background:var(--jem-soft)}.jem-menu-panel small{display:block;color:var(--jem-muted);font-weight:400;margin-top:3px}.jem-mobile-menu{display:none}.jem-current{color:var(--jem-blue)}
/* Homepage */
.jem-home-hero{background:#f3f5f2;padding:64px 0 54px}.jem-hero-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(300px,.85fr);gap:70px;align-items:center}.jem-home-hero h1{max-width:660px;font-weight:720;line-height:1.04;letter-spacing:-.055em}.jem-home-hero h1 em{font-style:normal;color:var(--jem-red)}.jem-hero-lead{font-size:18px;max-width:520px;margin:24px 0 28px}.jem-hero-note{font-size:13px;margin-top:20px}.jem-quote-start{background:#fff;padding:32px;border:1px solid var(--jem-line);border-radius:16px;box-shadow:0 16px 46px #10283f0c}.jem-quote-start h2{font-size:26px;margin-bottom:8px}.jem-quote-start p{margin:0 0 22px;font-size:14px}.jem-quote-start label,.jem-search label{display:block;font-size:13px;font-weight:650;margin-bottom:7px}.jem-quote-start input,.jem-quote-start select,.jem-search input{width:100%;min-height:48px;padding:11px 12px;border:1px solid #bdcbd5;border-radius:6px;background:#fff;color:var(--jem-ink)}.jem-form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}.jem-quote-start .jem-field{margin-bottom:18px}.jem-quote-start .jem-button{width:100%;margin-top:6px}.jem-quote-start .jem-form-note{font-size:12px;margin:14px 0 0;line-height:1.5}.jem-trust-strip{border-bottom:1px solid var(--jem-line);background:#fff}.jem-trust-strip .jem-wrap{display:flex;justify-content:space-between;gap:20px;padding-block:22px;flex-wrap:wrap;font-size:13px}.jem-trust-strip strong{font-weight:650}.jem-trust-strip span{color:var(--jem-muted);margin-left:8px}.jem-service-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.jem-service-card{display:flex;flex-direction:column;padding:28px;border:1px solid var(--jem-line);border-radius:12px;background:#fff;transition:border-color .15s,box-shadow .15s}.jem-service-card:hover{border-color:#7892a8;box-shadow:var(--jem-shadow)}.jem-service-number{font-size:12px;color:var(--jem-red);letter-spacing:.12em;margin-bottom:24px;font-weight:750}.jem-service-card h3{font-size:22px}.jem-service-card p{font-size:15px;margin:12px 0 24px}.jem-service-card .jem-text-link{margin-top:auto;font-size:14px;text-decoration:none}.jem-process{background:var(--jem-navy);color:#fff}.jem-process h2,.jem-process h3{color:#fff}.jem-process .jem-kicker{color:#a6c8e3}.jem-process p{color:#c4d0da}.jem-process-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:38px;margin-top:38px}.jem-process-grid article{border-top:1px solid #ffffff40;padding-top:22px}.jem-step-number{display:block;color:#acc7dd;font-size:13px;margin-bottom:22px}.jem-process-grid h3{font-size:22px}.jem-process-grid p{font-size:15px}.jem-planning-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:start}.jem-checklist{margin:24px 0 0;padding:0;list-style:none}.jem-checklist li{padding:14px 0;border-bottom:1px solid var(--jem-line);line-height:1.6}.jem-checklist li:before{content:'✓';color:var(--jem-blue);font-weight:700;margin-right:12px}.jem-tools-card{padding:30px;background:var(--jem-soft);border:1px solid var(--jem-line);border-radius:12px}.jem-tools-card h3{margin-bottom:12px}.jem-tool-link{display:flex;align-items:center;justify-content:space-between;gap:16px;border-top:1px solid var(--jem-line);padding:20px 0;font-weight:650}.jem-tool-link span{font-size:13px;font-weight:400;color:var(--jem-muted);display:block;margin-top:5px}.jem-area-section{padding:36px 0;background:var(--jem-soft);border-block:1px solid var(--jem-line)}.jem-area-section .jem-wrap{display:flex;gap:35px;align-items:center;justify-content:space-between}.jem-area-section h2{font-size:25px;max-width:290px}.jem-area-list{display:flex;gap:8px;flex-wrap:wrap;max-width:710px}.jem-faq{max-width:850px}.jem-faq details{border-bottom:1px solid var(--jem-line);padding:20px 0}.jem-faq summary{font-size:17px;font-weight:650;line-height:1.5}.jem-faq details p{margin-bottom:0;padding-right:18px}.jem-bottom-cta{display:flex;align-items:center;justify-content:space-between;gap:24px;background:#f6eeeb;border:1px solid #eadbd5;border-radius:12px;padding:30px;margin-top:44px}.jem-bottom-cta h2{font-size:28px}.jem-bottom-cta p{margin-bottom:0}
/* Footer */
.jem-site-footer{background:var(--jem-navy-2);color:#d5dfe8;padding:54px 0 24px}.jem-footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}.jem-site-footer .jem-brand{color:#fff}.jem-site-footer .jem-brand img{background:#fff;border-radius:8px}.jem-site-footer .jem-brand span,.jem-site-footer p{color:#b8c6d2}.jem-site-footer p{font-size:14px;max-width:330px}.jem-site-footer h2{font-size:13px;letter-spacing:.1em;text-transform:uppercase;color:#fff;margin:7px 0 20px}.jem-site-footer ul{list-style:none;margin:0;padding:0}.jem-site-footer li{margin:0 0 12px;font-size:14px}.jem-site-footer a:hover{color:#fff;text-decoration:underline;text-underline-offset:4px}.jem-footer-bottom{border-top:1px solid #ffffff24;display:flex;justify-content:space-between;align-items:start;gap:24px;margin-top:36px;padding-top:24px;font-size:12px;line-height:1.7}.jem-footer-bottom p{font-size:12px;margin:0}.jem-footer-legal{display:flex;gap:16px;flex-wrap:wrap;justify-content:end}
/* Articles and search */
.jem-page-heading{padding:46px 0;background:var(--jem-soft);border-bottom:1px solid var(--jem-line)}.jem-page-heading h1{font-size:clamp(34px,4.8vw,54px);max-width:950px}.jem-page-heading p{max-width:720px}.jem-breadcrumbs{display:flex;gap:8px;flex-wrap:wrap;color:var(--jem-muted);font-size:13px;margin-bottom:25px}.jem-breadcrumbs a{text-decoration:underline;text-underline-offset:3px}.jem-search{display:flex;gap:12px;align-items:end;max-width:700px;margin-top:24px}.jem-search>div{flex:1}.jem-search .jem-button{flex-shrink:0}.jem-article-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.jem-article-card{border:1px solid var(--jem-line);border-radius:12px;overflow:hidden;display:flex;flex-direction:column;background:#fff}.jem-article-card-image{aspect-ratio:16/10;object-fit:cover;width:100%;background:var(--jem-soft)}.jem-article-card-body{padding:24px;display:flex;flex-direction:column;flex:1}.jem-article-card h2{font-size:21px;line-height:1.35}.jem-article-card h2 a:hover{text-decoration:underline;text-underline-offset:4px}.jem-article-card p{font-size:14px}.jem-article-meta{font-size:12px;color:var(--jem-muted);margin-bottom:14px;display:flex;gap:16px;flex-wrap:wrap}.jem-article-card .jem-text-link{margin-top:auto;font-size:14px}.jem-result-count{font-size:14px;color:var(--jem-muted);margin:0 0 24px}.jem-pagination{margin-top:36px}.jem-pagination ul{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:8px}.jem-pagination a{display:block;padding:10px 16px;border:1px solid var(--jem-line);border-radius:6px}.jem-pagination .active a,.jem-pagination a[aria-current]{background:var(--jem-navy);color:#fff}.jem-empty{padding:36px;border:1px dashed #bac8d4;border-radius:12px;background:var(--jem-soft)}.jem-article-layout{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:64px;align-items:start}.jem-article-body{font-size:17px;line-height:1.85;min-width:0;overflow-wrap:anywhere}.jem-article-body p{line-height:1.85}.jem-article-body h2{font-size:30px;margin:38px 0 16px;scroll-margin-top:24px}.jem-article-body h3{font-size:24px;margin:28px 0 12px}.jem-article-body a{color:var(--jem-blue);text-decoration:underline;text-underline-offset:3px}.jem-article-body ul,.jem-article-body ol{padding-left:25px}.jem-article-body li{margin-block:8px}.jem-article-body figure{margin:24px 0}.jem-article-body img{max-width:100%;height:auto;border-radius:8px}.jem-article-body blockquote{margin:24px 0;padding:12px 24px;border-left:3px solid var(--jem-red);background:var(--jem-soft)}.jem-article-body table{display:block;max-width:100%;overflow-x:auto;border-collapse:collapse}.jem-article-body th,.jem-article-body td{padding:10px;border:1px solid var(--jem-line)}.jem-article-aside{position:sticky;top:24px;padding:24px;background:var(--jem-soft);border-radius:12px;border:1px solid var(--jem-line)}.jem-article-aside h2{font-size:22px}.jem-article-aside .jem-button{width:100%}.jem-article-cover{width:100%;max-height:500px;object-fit:cover;border-radius:12px;margin-bottom:32px}.jem-related{margin-top:54px;padding-top:32px;border-top:1px solid var(--jem-line)}.jem-related h2{font-size:27px;margin-bottom:18px}.jem-related a{display:block;padding:14px 0;border-top:1px solid var(--jem-line);color:var(--jem-blue);font-weight:600}.jem-toc{padding-left:18px;font-size:14px;line-height:1.5}.jem-toc li{margin-bottom:10px}.jem-toc a:hover{text-decoration:underline}
@media(max-width:1100px){.jem-brand strong{font-size:15px}.jem-desktop-nav{gap:15px}.jem-header-row{gap:20px}.jem-menu-panel{left:auto;right:-70px}.jem-hero-grid{gap:36px}.jem-footer-grid{gap:26px}.jem-article-layout{gap:32px;grid-template-columns:minmax(0,1fr) 260px}}
@media(max-width:920px){.jem-desktop-nav{display:none}.jem-header-row>.jem-button{margin-left:auto}.jem-mobile-menu{display:block}.jem-mobile-menu>summary{border:1px solid var(--jem-line);padding:10px 13px;border-radius:6px;font-weight:650;font-size:14px;list-style:none}.jem-mobile-menu>summary::-webkit-details-marker{display:none}.jem-mobile-menu[open]>summary{background:var(--jem-soft)}.jem-mobile-links{position:absolute;left:0;right:0;top:100%;padding:16px 24px 24px;background:#fff;border-bottom:1px solid var(--jem-line);box-shadow:0 14px 22px #10283f14;display:grid;grid-template-columns:1fr 1fr;gap:3px;max-height:75vh;overflow-y:auto}.jem-mobile-links a{padding:13px 8px;font-weight:600;font-size:14px;border-bottom:1px solid #eef1f4}.jem-hero-grid{grid-template-columns:1fr 1fr;gap:28px}.jem-home-hero{padding:44px 0}.jem-home-hero h1{font-size:46px}.jem-quote-start{padding:24px}.jem-service-grid,.jem-article-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.jem-planning-grid{gap:35px}.jem-footer-grid{grid-template-columns:1fr 1fr}.jem-article-layout{grid-template-columns:1fr}.jem-article-aside{position:static}.jem-area-section .jem-wrap{align-items:start;flex-direction:column;gap:20px}}
@media(max-width:640px){.wrap,.jem-wrap{width:calc(100% - 32px)}.jem-utility .jem-wrap{font-size:11px;gap:8px}.jem-utility-links{gap:14px}.jem-utility .jem-support-label{display:none}.jem-header-row{min-height:80px;gap:10px;flex-wrap:wrap;padding-block:10px}.jem-brand{gap:8px}.jem-brand img{width:48px;height:48px}.jem-brand strong{font-size:13px;max-width:126px}.jem-brand span{font-size:9px;letter-spacing:.06em}.jem-header-row>.jem-button{min-height:42px;padding:10px 12px;font-size:12px}.jem-mobile-menu>summary{padding:10px;font-size:12px}.jem-hero-grid{grid-template-columns:1fr;gap:28px}.jem-home-hero h1{font-size:45px;max-width:440px}.jem-hero-lead{font-size:16px;margin-top:18px}.jem-home-hero{padding:36px 0}.jem-quote-start{padding:24px}.jem-trust-strip .jem-wrap{gap:12px;display:grid;grid-template-columns:1fr 1fr;font-size:11px}.jem-trust-strip span{margin:3px 0 0;display:block}.jem-section-heading{align-items:start;flex-direction:column;gap:18px}.jem-service-grid,.jem-process-grid,.jem-planning-grid,.jem-article-grid{grid-template-columns:1fr}.jem-process-grid{gap:18px}.jem-process-grid article{padding-top:18px}.jem-step-number{margin-bottom:12px}.jem-service-card{padding:24px}.jem-service-number{margin-bottom:16px}.jem-bottom-cta{align-items:start;flex-direction:column;padding:25px}.jem-bottom-cta .jem-button{width:100%}.jem-footer-grid{gap:30px 24px}.jem-footer-grid>div:first-child{grid-column:1/-1}.jem-footer-bottom{flex-direction:column;gap:18px}.jem-footer-legal{justify-content:start;gap:10px 16px}.jem-page-heading{padding:32px 0}.jem-search{align-items:stretch;flex-wrap:wrap}.jem-search>div{min-width:190px}.jem-article-layout{gap:28px}.jem-article-body{font-size:16px}.jem-article-body h2{font-size:27px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition-duration:0s;animation-duration:0s}}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap;border:0}