.credit-page[data-astro-cid-dvbq2b3l]{--credit-gold:#d9b868;--credit-bronze:#8a6238;color:var(--muted);font-size:1rem;line-height:1.8}.credit-page[data-astro-cid-dvbq2b3l] a[data-astro-cid-dvbq2b3l]{text-underline-offset:.22em}.credit-page[data-astro-cid-dvbq2b3l] a[data-astro-cid-dvbq2b3l]:hover{text-decoration-thickness:2px}.credit-page[data-astro-cid-dvbq2b3l] strong[data-astro-cid-dvbq2b3l]{color:var(--navy-900)}.credit-hero[data-astro-cid-dvbq2b3l]{border-bottom:1px solid var(--border);background:linear-gradient(115deg, var(--white) 30%, var(--blue-50));padding-block:2rem 4rem}.credit-hero[data-astro-cid-dvbq2b3l] .eyebrow[data-astro-cid-dvbq2b3l]{color:var(--credit-bronze)}.credit-breadcrumb[data-astro-cid-dvbq2b3l]{flex-wrap:wrap;gap:.75rem;margin-bottom:3rem;font-size:.78rem;display:flex}.credit-hero-grid[data-astro-cid-dvbq2b3l]{grid-template-columns:1.1fr .9fr;align-items:center;gap:clamp(2.5rem,6vw,5rem);display:grid}.credit-hero[data-astro-cid-dvbq2b3l] h1[data-astro-cid-dvbq2b3l]{max-width:12ch;font-size:clamp(2.75rem,5.5vw,4.8rem);line-height:1.06}.credit-hero[data-astro-cid-dvbq2b3l] h1[data-astro-cid-dvbq2b3l] span[data-astro-cid-dvbq2b3l]{color:var(--blue-700)}.credit-lede[data-astro-cid-dvbq2b3l]{color:var(--navy-900);margin-top:1.5rem;font-size:clamp(1.1rem,1.8vw,1.3rem);font-weight:600;line-height:1.6}.credit-intro[data-astro-cid-dvbq2b3l]{max-width:54ch;margin-top:1rem}.credit-start[data-astro-cid-dvbq2b3l]{border-radius:var(--radius-large);color:var(--blue-100);background:var(--navy-900);box-shadow:var(--shadow-card);padding:clamp(1.5rem,3vw,2.5rem)}.credit-start[data-astro-cid-dvbq2b3l] .eyebrow[data-astro-cid-dvbq2b3l]{color:var(--credit-gold)}.credit-start-icon[data-astro-cid-dvbq2b3l]{border-radius:var(--radius-small);width:3rem;height:3rem;color:var(--credit-gold);border:1px solid #ffffff40;place-items:center;margin-bottom:1.5rem;display:grid}.credit-start-icon[data-astro-cid-dvbq2b3l] svg{width:1.5rem;height:1.5rem}.credit-start[data-astro-cid-dvbq2b3l] h2[data-astro-cid-dvbq2b3l]{color:var(--white);font-size:clamp(1.4rem,2.3vw,1.85rem);line-height:1.3}.credit-start[data-astro-cid-dvbq2b3l]>p[data-astro-cid-dvbq2b3l]:not(.eyebrow){margin-block:1rem 1.25rem}.credit-start[data-astro-cid-dvbq2b3l]>a[data-astro-cid-dvbq2b3l]{color:var(--white);justify-content:space-between;align-items:center;gap:1rem;font-size:.9rem;font-weight:600;display:flex}.credit-start[data-astro-cid-dvbq2b3l]>.credit-start-source[data-astro-cid-dvbq2b3l]{color:var(--blue-100);margin-top:1rem;font-size:.75rem;font-weight:400}.credit-guide[data-astro-cid-dvbq2b3l]{grid-template-columns:13rem minmax(0,1fr);align-items:start;gap:clamp(2.5rem,5vw,5rem);padding-block:4rem 5rem;display:grid}.credit-contents[data-astro-cid-dvbq2b3l]{position:sticky;top:7.5rem}.credit-contents[data-astro-cid-dvbq2b3l] nav[data-astro-cid-dvbq2b3l]{border-left:2px solid var(--border);padding-left:1rem}.credit-contents[data-astro-cid-dvbq2b3l] ol[data-astro-cid-dvbq2b3l]{margin:0;padding:0;list-style:none}.credit-contents[data-astro-cid-dvbq2b3l] a[data-astro-cid-dvbq2b3l]{color:var(--navy-900);align-items:baseline;gap:.65rem;padding-block:.7rem;font-size:.78rem;font-weight:600;line-height:1.5;text-decoration:none;display:flex}.credit-contents[data-astro-cid-dvbq2b3l] a[data-astro-cid-dvbq2b3l]>span[data-astro-cid-dvbq2b3l]{color:var(--credit-bronze);font-size:.64rem}.credit-contents[data-astro-cid-dvbq2b3l] a[data-astro-cid-dvbq2b3l]:hover{color:var(--blue-700);text-decoration:underline}.credit-article[data-astro-cid-dvbq2b3l]{min-width:0}.credit-section[data-astro-cid-dvbq2b3l]{border-bottom:1px solid var(--border);gap:1.3rem;padding-block:3rem;display:grid}.credit-section[data-astro-cid-dvbq2b3l]:first-child{padding-top:0}.credit-section[data-astro-cid-dvbq2b3l]:focus-visible{outline:2px solid var(--focus-ring);outline-offset:.5rem}.credit-section[data-astro-cid-dvbq2b3l]>.eyebrow[data-astro-cid-dvbq2b3l]{color:var(--credit-bronze);margin:0}.credit-section[data-astro-cid-dvbq2b3l] h2[data-astro-cid-dvbq2b3l]{max-width:26ch;font-size:clamp(1.85rem,2.7vw,2.65rem);line-height:1.16}.credit-section[data-astro-cid-dvbq2b3l] h3[data-astro-cid-dvbq2b3l]{font-size:1.15rem;line-height:1.4}.credit-definitions[data-astro-cid-dvbq2b3l]{border:1px solid var(--border);border-radius:var(--radius-medium);grid-template-columns:1fr 1fr;margin:0;display:grid;overflow:hidden}.credit-definitions[data-astro-cid-dvbq2b3l]>div[data-astro-cid-dvbq2b3l]{background:var(--blue-50);padding:1.5rem}.credit-definitions[data-astro-cid-dvbq2b3l]>div[data-astro-cid-dvbq2b3l]+div[data-astro-cid-dvbq2b3l]{border-left:1px solid var(--border);background:var(--white)}.credit-definitions[data-astro-cid-dvbq2b3l] dt[data-astro-cid-dvbq2b3l]{color:var(--navy-900);margin-bottom:.7rem;font-size:1.15rem;font-weight:700}.credit-definitions[data-astro-cid-dvbq2b3l] dd[data-astro-cid-dvbq2b3l],.credit-models[data-astro-cid-dvbq2b3l]{margin:0}.credit-models[data-astro-cid-dvbq2b3l]>div[data-astro-cid-dvbq2b3l]{border-bottom:1px solid var(--border);grid-template-columns:8rem minmax(0,1fr);gap:1.5rem;padding-block:1.1rem;display:grid}.credit-models[data-astro-cid-dvbq2b3l]>div[data-astro-cid-dvbq2b3l]:first-child{padding-top:0}.credit-models[data-astro-cid-dvbq2b3l] dt[data-astro-cid-dvbq2b3l]{color:var(--navy-900);font-weight:700}.credit-models[data-astro-cid-dvbq2b3l] dd[data-astro-cid-dvbq2b3l]{margin:0}.credit-models[data-astro-cid-dvbq2b3l] .credit-source[data-astro-cid-dvbq2b3l]{margin-top:.65rem;display:inline-block}.credit-range-grid[data-astro-cid-dvbq2b3l]{grid-template-columns:minmax(0,1fr) minmax(0,1fr);align-items:start;gap:2rem;display:grid}.credit-ranges[data-astro-cid-dvbq2b3l]{border-collapse:collapse;width:100%;font-size:.9rem;line-height:1.6}.credit-ranges[data-astro-cid-dvbq2b3l] caption[data-astro-cid-dvbq2b3l]{color:var(--navy-900);text-align:left;padding-bottom:.8rem;font-weight:700}.credit-ranges[data-astro-cid-dvbq2b3l] th[data-astro-cid-dvbq2b3l],.credit-ranges[data-astro-cid-dvbq2b3l] td[data-astro-cid-dvbq2b3l]{border-bottom:1px solid var(--border);text-align:left;padding:.8rem}.credit-ranges[data-astro-cid-dvbq2b3l] thead[data-astro-cid-dvbq2b3l]{color:var(--white);background:var(--navy-900)}.credit-ranges[data-astro-cid-dvbq2b3l] thead[data-astro-cid-dvbq2b3l] th[data-astro-cid-dvbq2b3l]{font-size:.78rem;font-weight:600}.credit-ranges[data-astro-cid-dvbq2b3l] tbody[data-astro-cid-dvbq2b3l] th[data-astro-cid-dvbq2b3l]{color:var(--navy-900);font-variant-numeric:tabular-nums;white-space:nowrap;font-weight:600}.credit-ranges[data-astro-cid-dvbq2b3l] tbody[data-astro-cid-dvbq2b3l] tr[data-astro-cid-dvbq2b3l]:nth-child(odd){background:var(--blue-50)}.credit-range-note[data-astro-cid-dvbq2b3l]{margin-block:.85rem .5rem;font-size:.8rem}.credit-range-context[data-astro-cid-dvbq2b3l]{border-left:3px solid var(--blue-700);gap:1rem;padding-left:1.5rem;display:grid}.credit-source[data-astro-cid-dvbq2b3l],.credit-sources[data-astro-cid-dvbq2b3l] a[data-astro-cid-dvbq2b3l]{color:var(--blue-700);font-size:.76rem;line-height:1.75}.credit-sources[data-astro-cid-dvbq2b3l]{flex-wrap:wrap;gap:.5rem 1.2rem;display:flex}.credit-related[data-astro-cid-dvbq2b3l]{font-size:.9rem}.credit-related[data-astro-cid-dvbq2b3l] a[data-astro-cid-dvbq2b3l]{color:var(--blue-700);font-weight:600}.credit-steps[data-astro-cid-dvbq2b3l]{gap:1.75rem;margin:0;padding:0;list-style:none;display:grid}.credit-steps[data-astro-cid-dvbq2b3l]>li[data-astro-cid-dvbq2b3l]{align-items:start;gap:1.1rem;display:flex}.credit-step-number[data-astro-cid-dvbq2b3l]{width:2rem;height:2rem;color:var(--white);background:var(--navy-900);border-radius:50%;flex:none;place-items:center;font-size:.8rem;font-weight:700;display:grid}.credit-steps[data-astro-cid-dvbq2b3l] h3[data-astro-cid-dvbq2b3l]{margin-bottom:.6rem}.credit-steps[data-astro-cid-dvbq2b3l] .credit-source[data-astro-cid-dvbq2b3l]{margin-top:.65rem;display:inline-block}.credit-steps[data-astro-cid-dvbq2b3l] .credit-sources[data-astro-cid-dvbq2b3l]{margin-top:.65rem}.credit-note[data-astro-cid-dvbq2b3l]{border-left:3px solid var(--blue-700);background:var(--blue-50);padding:1.3rem 1.5rem}.credit-note[data-astro-cid-dvbq2b3l]>strong[data-astro-cid-dvbq2b3l]{margin-bottom:.45rem;display:block}.credit-habits[data-astro-cid-dvbq2b3l]{margin:0}.credit-habits[data-astro-cid-dvbq2b3l]>div[data-astro-cid-dvbq2b3l]{border-bottom:1px solid var(--border);grid-template-columns:12rem minmax(0,1fr);gap:1.5rem;padding-block:1.2rem;display:grid}.credit-habits[data-astro-cid-dvbq2b3l]>div[data-astro-cid-dvbq2b3l]:first-child{padding-top:0}.credit-habits[data-astro-cid-dvbq2b3l] dt[data-astro-cid-dvbq2b3l]{color:var(--navy-900);font-weight:700}.credit-habits[data-astro-cid-dvbq2b3l] dd[data-astro-cid-dvbq2b3l]{margin:0}.credit-shopping[data-astro-cid-dvbq2b3l]{border:1px solid var(--border);border-radius:var(--radius-medium);align-items:start;gap:1.2rem;padding:1.5rem;display:flex}.credit-icon[data-astro-cid-dvbq2b3l]{border-radius:var(--radius-small);width:2.8rem;height:2.8rem;color:var(--blue-700);background:var(--blue-50);flex:none;place-items:center;display:grid}.credit-icon[data-astro-cid-dvbq2b3l] svg{width:1.4rem;height:1.4rem}.credit-shopping[data-astro-cid-dvbq2b3l] h3[data-astro-cid-dvbq2b3l]{margin-bottom:.7rem}.credit-shopping[data-astro-cid-dvbq2b3l] .credit-source[data-astro-cid-dvbq2b3l]{margin-top:.65rem;display:inline-block}.credit-dti[data-astro-cid-dvbq2b3l]{border-radius:var(--radius-medium);background:var(--blue-50);gap:.85rem;padding:1.5rem;display:grid}.credit-equation[data-astro-cid-dvbq2b3l]{border-block:1px solid var(--border);color:var(--navy-900);text-align:center;padding-block:1rem;font-weight:700}.credit-equation[data-astro-cid-dvbq2b3l]>span[data-astro-cid-dvbq2b3l][aria-hidden]{color:var(--blue-700);margin-inline:.4rem;font-size:1.3rem}.credit-sr-only[data-astro-cid-dvbq2b3l]{clip-path:inset(50%);white-space:nowrap;width:1px;height:1px;padding:0;position:absolute;overflow:hidden}.credit-prepare[data-astro-cid-dvbq2b3l]{padding-top:.65rem}.credit-prepare[data-astro-cid-dvbq2b3l] ul[data-astro-cid-dvbq2b3l]{gap:.65rem;margin-block:1rem;padding-left:1.2rem;display:grid}.credit-prepare[data-astro-cid-dvbq2b3l] li[data-astro-cid-dvbq2b3l]::marker{color:var(--blue-700)}.credit-prepare[data-astro-cid-dvbq2b3l] .credit-source[data-astro-cid-dvbq2b3l]{margin-top:.65rem;display:inline-block}.credit-faqs[data-astro-cid-dvbq2b3l]{border:0;gap:0}.credit-faqs[data-astro-cid-dvbq2b3l] h2[data-astro-cid-dvbq2b3l]{margin-block:1rem 1.5rem}.credit-faqs[data-astro-cid-dvbq2b3l] details[data-astro-cid-dvbq2b3l]{border-top:1px solid var(--border)}.credit-faqs[data-astro-cid-dvbq2b3l] summary[data-astro-cid-dvbq2b3l]{color:var(--navy-900);cursor:pointer;justify-content:space-between;align-items:center;gap:1rem;padding-block:1.25rem;font-weight:700;line-height:1.6;list-style:none;display:flex}.credit-faqs[data-astro-cid-dvbq2b3l] summary[data-astro-cid-dvbq2b3l]::-webkit-details-marker{display:none}.credit-expand[data-astro-cid-dvbq2b3l]{width:1rem;height:1rem;color:var(--blue-700);flex:none;position:relative}.credit-expand[data-astro-cid-dvbq2b3l]:before,.credit-expand[data-astro-cid-dvbq2b3l]:after{content:"";background:currentColor;width:100%;height:2px;position:absolute;top:calc(50% - 1px)}.credit-expand[data-astro-cid-dvbq2b3l]:after{transform:rotate(90deg)}.credit-faqs[data-astro-cid-dvbq2b3l] details[data-astro-cid-dvbq2b3l][open] .credit-expand[data-astro-cid-dvbq2b3l]:after{display:none}.credit-faqs[data-astro-cid-dvbq2b3l] details[data-astro-cid-dvbq2b3l]>div[data-astro-cid-dvbq2b3l]{gap:.8rem;padding-bottom:1.4rem;display:grid}.credit-link[data-astro-cid-dvbq2b3l]{width:fit-content;color:var(--blue-700);align-items:center;gap:.65rem;font-size:.9rem;font-weight:700;line-height:1.6;display:inline-flex}.credit-consultation[data-astro-cid-dvbq2b3l]{border-radius:var(--radius-medium);background:var(--blue-50);padding:2rem}.credit-consultation[data-astro-cid-dvbq2b3l] h2[data-astro-cid-dvbq2b3l]{font-size:1.6rem;line-height:1.3}.credit-consultation[data-astro-cid-dvbq2b3l] p[data-astro-cid-dvbq2b3l]:not(.eyebrow){margin-block:.9rem 1rem}.credit-back-top[data-astro-cid-dvbq2b3l]{color:var(--blue-700);margin-top:1rem;font-size:.8rem;font-weight:600;display:inline-block}@media (width<=63.99rem){.credit-hero-grid[data-astro-cid-dvbq2b3l]{grid-template-columns:1fr;gap:2rem}.credit-hero[data-astro-cid-dvbq2b3l] h1[data-astro-cid-dvbq2b3l]{max-width:none}.credit-start[data-astro-cid-dvbq2b3l]{max-width:40rem}.credit-guide[data-astro-cid-dvbq2b3l]{grid-template-columns:minmax(0,1fr);gap:2.5rem;padding-top:3rem}.credit-contents[data-astro-cid-dvbq2b3l]{position:static}.credit-contents[data-astro-cid-dvbq2b3l] ol[data-astro-cid-dvbq2b3l]{grid-template-columns:1fr 1fr;gap:0 1rem;display:grid}}@media (width<=39.99rem){.credit-hero[data-astro-cid-dvbq2b3l]{padding-block:1.5rem 2.5rem}.credit-breadcrumb[data-astro-cid-dvbq2b3l]{margin-bottom:2.25rem}.credit-contents[data-astro-cid-dvbq2b3l] ol[data-astro-cid-dvbq2b3l],.credit-definitions[data-astro-cid-dvbq2b3l],.credit-habits[data-astro-cid-dvbq2b3l]>div[data-astro-cid-dvbq2b3l],.credit-models[data-astro-cid-dvbq2b3l]>div[data-astro-cid-dvbq2b3l],.credit-range-grid[data-astro-cid-dvbq2b3l]{grid-template-columns:1fr}.credit-models[data-astro-cid-dvbq2b3l]>div[data-astro-cid-dvbq2b3l]{gap:.5rem}.credit-section[data-astro-cid-dvbq2b3l]{padding-block:2.5rem}.credit-habits[data-astro-cid-dvbq2b3l]>div[data-astro-cid-dvbq2b3l]{gap:.5rem}.credit-definitions[data-astro-cid-dvbq2b3l]>div[data-astro-cid-dvbq2b3l]{padding:1.2rem}.credit-definitions[data-astro-cid-dvbq2b3l]>div[data-astro-cid-dvbq2b3l]+div[data-astro-cid-dvbq2b3l]{border-left:0;border-top:1px solid var(--border)}.credit-steps[data-astro-cid-dvbq2b3l]>li[data-astro-cid-dvbq2b3l]{gap:.75rem}.credit-note[data-astro-cid-dvbq2b3l],.credit-dti[data-astro-cid-dvbq2b3l],.credit-consultation[data-astro-cid-dvbq2b3l]{padding:1.2rem}.credit-shopping[data-astro-cid-dvbq2b3l]{flex-direction:column;gap:.9rem;padding:1.2rem}}@media (height<=36rem){.credit-contents[data-astro-cid-dvbq2b3l]{position:static}}