.referral-polished{--editorial-paper:#fffaf1;--editorial-muted:#4b5d65;--editorial-rule:#d7dfd8}.referral-polished .editorial-hero{background:linear-gradient(120deg,#f6f5ec,#fffaf1 60%,#eef3ef);padding:4.25rem 0 3.75rem}.referral-polished .editorial-hero h1{max-width:20ch;font-size:clamp(2.75rem,4.5vw,4.2rem);line-height:1.09}.referral-polished .editorial-intro{max-width:38rem}.referral-polished .referral-landscape{aspect-ratio:400/420;background:#bfd5d8;border-radius:50% 50% 3px 3px/47.6% 47.6% 3px 3px;height:auto;margin:0 1.5rem 1.75rem;box-shadow:0 1px #fffdf4,0 8px 18px -13px #304b4966}.referral-landscape svg{width:100%;height:100%;display:block}.referral-polished .referral-landscape:after{content:"";border-radius:inherit;pointer-events:none;position:absolute;inset:0;box-shadow:inset 0 0 0 1px #435b5420,inset 2px 1px 4px #435b5410}.referral-polished .editorial-intro p:first-child{max-width:36rem;font-size:1.2rem;line-height:1.6}.referral-polished .editorial-intro p{font-size:1.06rem;line-height:1.8}.referral-polished .editorial-hero-actions{flex-wrap:wrap;align-items:center;gap:1rem 1.5rem;display:flex}.referral-polished a{text-underline-offset:.25em;text-decoration-thickness:1px}.referral-polished .editorial-hero-actions>a{color:#284e59;align-items:center;min-height:44px;font-size:.94rem;text-decoration:underline;display:inline-flex}.referral-polished button.referral-book{color:#fff;cursor:pointer;background:#2563eb;border:1px solid #2563eb;border-radius:9px;min-height:48px;padding:.85rem 1.3rem;font-size:.96rem;font-weight:650;line-height:1.5;box-shadow:0 3px 8px #2443a516}.referral-polished button.referral-book:hover{background:#1d4ed8;border-color:#1d4ed8}.referral-polished .referral-small{color:#4b5d65;margin:1rem 0 0;font-size:.83rem;line-height:1.65}.referral-polished .editorial-hero-links{margin-top:.45rem}.referral-polished .editorial-section p,.referral-polished .editorial-section li,.referral-polished dd{font-size:1.0625rem;line-height:1.8}.referral-polished .editorial-section h2{max-width:27ch;margin-bottom:1.25rem}.referral-polished .editorial-section .editorial-kicker{font-size:.7rem;line-height:1.7}.referral-polished .editorial-section a{color:#24514c;text-decoration:underline}.referral-polished .editorial-section a:hover{color:#1d4ed8}.referral-polished .referral-paths{margin-top:2rem}.referral-polished .referral-paths article{grid-template-columns:minmax(0,.8fr) minmax(0,1.65fr);gap:2.25rem;padding:1.65rem 0;display:grid}.referral-polished .referral-paths h3{margin-bottom:.35rem;font-size:1.14rem}.referral-polished .referral-paths p{margin:0 0 .5rem}.referral-polished .referral-paths a{padding:.3rem 0;font-size:.94rem;line-height:1.6;display:inline-block}.referral-polished .editorial-comparison-status{font-size:.88rem}.referral-polished .referral-path-divider{color:#879591;margin:0 .5rem}.referral-funding-help{justify-content:space-between;align-items:center;gap:1.5rem;margin-top:1.6rem;display:flex}.referral-polished .referral-funding-help p{max-width:40rem;margin:0;font-size:.97rem}.referral-polished .referral-funding-help strong{display:block}.referral-polished .referral-funding-help a{background:#edf2e9;border:1px solid #cbd9cd;border-radius:8px;flex-shrink:0;align-items:center;min-height:44px;padding:.6rem 1rem;font-size:.93rem;text-decoration:none;display:inline-flex}.referral-polished .referral-existing{background:#edf2e9;border-block:1px solid #dbe4d8;margin-bottom:3.5rem;padding:3.5rem 0}.referral-polished .referral-existing>div{border:0;grid-template-columns:minmax(0,.9fr) minmax(0,1.25fr);gap:4.5rem;padding:0;display:grid}.referral-polished .referral-existing h2{max-width:15ch}.referral-polished :is(a,button,summary){scroll-margin-top:var(--referral-header-clearance,88px);scroll-margin-bottom:var(--referral-bar-clearance,90px)}.referral-polished .referral-existing-layout>div:first-child>a{padding:.4rem 0;font-size:.95rem;display:inline-block}.referral-definitions{margin:0}.referral-definitions>div+div{border-top:1px solid #cedacd;margin-top:1.25rem;padding-top:1.25rem}.referral-polished .referral-definitions dt{margin-bottom:.45rem;font-size:1.07rem;font-weight:650}.referral-polished .referral-definitions dd{color:var(--editorial-muted);margin:0}.referral-knowing{border-top:1px solid #cedacd;margin-top:1.25rem;padding-top:1.25rem;scroll-margin-top:6rem}.referral-polished .referral-knowing h3{margin-bottom:.45rem;font-size:1.07rem}.referral-polished .referral-existing+.editorial-section>div{border:0;padding-top:0}.referral-polished .editorial-steps{max-width:49rem;margin-top:1.8rem;padding-left:1.8rem}.referral-polished .editorial-steps>li{padding:1.65rem 0 1.65rem .8rem}.referral-polished .editorial-steps h3{margin-bottom:.55rem;font-size:1.14rem}.referral-polished .editorial-steps>li::marker{font-family:Georgia,serif;font-size:1.35rem}.referral-polished .referral-prompt{border-left:2px solid #829f81;max-width:38rem;margin:1.2rem 0 .2rem;padding:.3rem 0 .3rem 1.3rem}.referral-polished .referral-prompt p{color:#3c6450;margin:0;font-family:Georgia,serif;font-size:1.3rem;font-style:italic;line-height:1.6}.referral-checklist{max-width:47rem;margin:1.6rem 0;padding:0;list-style:none}.referral-checklist li{padding:0 0 1.2rem 1.8rem;position:relative}.referral-checklist li:last-child{padding-bottom:0}.referral-checklist li:before{content:"✓";color:#52765a;position:absolute;top:0;left:0}.referral-checklist li strong,.referral-checklist li span{display:block}.referral-polished .referral-checklist strong{margin-bottom:.2rem}.referral-polished .referral-prepare .editorial-note{max-width:46rem;font-size:.95rem}.referral-faqs{max-width:51rem;margin-top:1.8rem}.referral-faqs details{border-top:1px solid var(--editorial-rule)}.referral-faqs details:last-child{border-bottom:1px solid var(--editorial-rule)}.referral-faqs summary{cursor:pointer;justify-content:space-between;align-items:center;gap:1.5rem;min-height:56px;padding:1.25rem 0;font-size:1.0625rem;font-weight:600;line-height:1.55;list-style:none;display:flex}.referral-faqs summary::-webkit-details-marker{display:none}.referral-faqs summary:hover{color:#376449}.referral-faqs summary:focus-visible{outline-offset:4px;border-radius:3px;outline:3px solid #2563eb}.referral-disclosure{color:#58795e;flex:0 0 16px;width:16px;height:16px;margin-right:4px;position:relative}.referral-disclosure:before,.referral-disclosure:after{content:"";background:currentColor;height:2px;position:absolute;top:7px;left:1px;right:1px}.referral-disclosure:after{transform:rotate(90deg)}.referral-faqs details[open] .referral-disclosure:after{display:none}.referral-answer{max-width:44rem;padding:0 1.75rem 1.25rem 0}.referral-polished .referral-answer p{margin:0 0 .9rem}.referral-polished .referral-answer p:last-child{margin:0}.referral-polished .referral-source-note{color:#596c70;max-width:49rem;margin-top:1.4rem;font-size:.82rem;line-height:1.75}.referral-polished .editorial-related h3{font-size:1.1rem}.referral-polished .editorial-related p{font-size:.97rem}.referral-polished .editorial-related>a{text-decoration:none}.referral-polished .editorial-closing{background:#e7eee3}.referral-polished .editorial-closing p{font-size:1.0625rem}.referral-polished .editorial-closing .editorial-eyebrow{font-size:.7rem;line-height:1.7}.referral-polished .editorial-closing .referral-small{font-size:.86rem}@media (max-width:900px){.referral-polished .referral-existing>div{gap:2.5rem}.referral-polished .referral-paths article{grid-template-columns:minmax(0,.85fr) minmax(0,1.5fr);gap:1.5rem}}@media (max-width:700px){.referral-polished .editorial-hero{padding:2.4rem 0 2rem}.referral-polished .editorial-hero h1{margin-bottom:1.4rem;font-size:clamp(2.3rem,9vw,3.2rem);line-height:1.12}.referral-polished .editorial-intro p:first-child{font-size:1.12rem}.referral-polished .editorial-intro p{font-size:1rem}.referral-polished .editorial-hero-actions{gap:.4rem 1rem;margin-top:1.35rem}.referral-polished .editorial-contents ol{grid-template-columns:1fr 1fr;gap:0 1.2rem;display:grid}.referral-polished .editorial-contents a{grid-template-columns:1fr .6rem;align-items:center;gap:.4rem;height:100%;min-height:55px;font-size:.82rem}.referral-polished .editorial-contents-number{display:none}.referral-polished .referral-paths article{grid-template-columns:1fr;gap:.8rem;padding:1.4rem 0}.referral-polished .referral-paths a{align-items:center;min-height:44px;display:inline-flex}.referral-polished .referral-path-divider{display:none}.referral-polished .referral-paths a+a{margin-left:0}.referral-polished .referral-paths a{margin-right:1rem}.referral-funding-help{margin-top:1.4rem;display:block}.referral-funding-help>a{margin-top:.85rem}.referral-polished .referral-existing{margin-bottom:2.5rem;padding:2.5rem 0}.referral-polished .referral-existing>div{grid-template-columns:1fr;gap:1.75rem}.referral-polished .referral-existing h2{max-width:19ch}.referral-polished .editorial-steps>li{padding-left:.35rem}.referral-polished .referral-prompt{padding-left:1rem}.referral-polished .referral-prompt p{font-size:1.2rem}.referral-answer{padding-right:0}.referral-faqs summary{gap:1rem;font-size:1rem}.referral-polished .editorial-closing-actions{gap:.4rem 1.25rem}}.referral-polished [id]{scroll-margin-top:100px}.referral-polished [tabindex="-1"]:focus{outline:none}.referral-polished [tabindex="-1"]:focus-visible{outline-offset:6px;outline:2px solid #2563eb}