:root{--paper:#f4f0e5;--ink:#172f3b;--muted:#526569;--rule:#b2b8aa;--rust:#944d36}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:17px;line-height:1.7}a{color:inherit;text-underline-offset:5px}a:hover{color:var(--rust)}:focus-visible{outline:3px solid var(--rust);outline-offset:5px}p{margin:0 0 1.25em}h1,h2,h3{color:var(--ink)}.rd-header{max-width:1440px;padding:28px 5vw 20px;margin:auto;border-bottom:1px solid var(--ink);display:flex;gap:36px;align-items:center}.rd-brand{text-decoration:none;font:29px Georgia,serif;white-space:nowrap;line-height:1.2}.rd-brand span{font-style:italic}.rd-brand small{font:9px Arial,sans-serif;display:block;letter-spacing:2.2px;margin-top:11px}.rd-desktop-nav{display:flex;justify-content:flex-end;flex-wrap:wrap;gap:8px 24px;margin-left:auto;max-width:790px}.rd-desktop-nav a{font-size:12px;text-decoration:none;border-bottom:1px solid transparent}.rd-desktop-nav a:hover{border-bottom-color:var(--rust)}.rd-mobile-nav{display:none}.rd-home{max-width:1440px;margin:auto;padding:0 5vw}.ledger-cover{padding-top:33px}.rd-eyebrow,.margin-label,.cover-index>span{font-size:10px;letter-spacing:1.8px;font-weight:700}.ledger-cover h1{font:normal clamp(50px,6.2vw,89px)/1.03 Georgia,serif;letter-spacing:-3px;margin:36px 0;color:var(--ink);max-width:1080px}.cover-bottom{display:flex;justify-content:space-between;gap:40px;align-items:flex-end;padding:0 0 39px}.cover-bottom p{max-width:530px;font-size:17px;margin:0}.rd-button{display:inline-flex;justify-content:space-between;align-items:center;gap:30px;padding:15px 22px;background:var(--ink);color:var(--paper);text-decoration:none;font-size:13px;white-space:nowrap}.rd-button:hover{background:var(--rust);color:white}.rd-button span{font-size:24px;line-height:1}.cover-index{display:grid;grid-template-columns:1fr 1.2fr 1.2fr 1.2fr;border-top:1px solid var(--ink);border-bottom:1px solid var(--ink);padding:17px 0;gap:20px;align-items:center}.cover-index a{font:14px Georgia,serif;text-decoration:none}.ledger-row{display:grid;grid-template-columns:24% 76%;padding:75px 0;border-bottom:1px solid var(--rule)}.margin-label{padding-right:25px;line-height:1.5}.margin-label span{display:block;letter-spacing:0;font-size:12px;font-weight:400;margin-top:10px;color:var(--muted)}.row-content{border-left:1px solid var(--rule);padding-left:5vw;min-width:0}.rd-home h2{font:normal clamp(31px,3.2vw,48px)/1.15 Georgia,serif;letter-spacing:-1px;margin:0 0 29px}.row-content>p{max-width:750px}.document-columns{display:grid;grid-template-columns:1fr 1fr;gap:35px;margin-top:32px}.rd-home h3{font:normal 23px/1.3 Georgia,serif;margin:0 0 15px}.document-columns p,.rhythm-line p{font-size:15px}.rd-text-link{font-size:13px;font-weight:bold}.rhythm-line{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);padding:28px 0 9px;margin-bottom:28px}.rhythm-line h3{font-style:italic}.adviser-band{display:grid;grid-template-columns:24% 76%;padding:60px 5vw;margin:0 -5vw;background:var(--ink);color:var(--paper)}.adviser-band>div:last-child{padding-left:5vw;border-left:1px solid #687a80}.adviser-band h2{color:var(--paper)}.adviser-band .margin-label span{color:#d1d6ce}.adviser-band p{max-width:730px}.adviser-band ul{padding-left:20px;margin:24px 0}.adviser-band a:hover{color:#f0bea4}.faq-list details{border-top:1px solid var(--rule);padding:0}.faq-list details:last-child{border-bottom:1px solid var(--rule)}.faq-list summary{cursor:pointer;padding:21px 32px 21px 0;font:19px/1.4 Georgia,serif;position:relative;list-style:none}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:'+';position:absolute;right:3px;font:23px Arial}.faq-list details[open] summary:after{content:'−'}.faq-list details p{font-size:16px;max-width:720px;padding:0 25px 9px 0}.closing-note{text-align:center;padding:70px 0}.closing-note p{max-width:550px;margin:0 auto 24px}.closing-note .rd-eyebrow{margin-bottom:25px}.rd-footer{background:#e6e4d9;padding:35px 5vw;display:grid;grid-template-columns:1fr 2fr;gap:4px 40px;border-top:1px solid var(--ink)}.rd-footer-brand{font:26px Georgia,serif;text-decoration:none}.rd-footer>p{font-size:12px;grid-column:1;margin:0}.rd-footer nav{grid-column:2;grid-row:1/3;display:flex;gap:13px 25px;justify-content:flex-end;align-content:center;flex-wrap:wrap}.rd-footer nav a{font-size:13px}.rd-footer .rd-footnote{margin-top:20px;font-size:11px;grid-column:1/-1;color:var(--muted)}
/* Shared inner-page system: deliberately overrides the legacy theme. */
body>main.container,main.container{width:calc(100% - 10vw);max-width:1280px;margin:48px auto;padding:0;color:var(--ink);font-size:17px;line-height:1.75}main.container h1{font:normal 48px/1.16 Georgia,serif;letter-spacing:-1px;color:var(--ink);overflow-wrap:anywhere}main.container h2{font:normal 29px/1.3 Georgia,serif;color:var(--ink)}main.container h3{font:normal 23px/1.4 Georgia,serif;color:var(--ink)}main.container p{font-size:17px;line-height:1.75}main.container img{max-width:100%;height:auto}main.container:not(:has(.rd-reading)):not(:has(.rd-journal)){max-width:850px}main.container .container.rd-reading,.container.mt-5.rd-reading{width:100%;max-width:none;padding:0;margin:0!important}.rd-reading>.row{display:grid;grid-template-columns:minmax(0,780px) minmax(200px,1fr);gap:45px;margin:0}.rd-reading>.row>.col-lg-8,.rd-reading>.row>.col-lg-4{width:100%;max-width:none;padding:0;flex:none;min-width:0}.rd-longform{max-width:780px}.rd-longform>header{border-bottom:1px solid var(--rule);padding-bottom:24px;margin-bottom:28px}.rd-longform h1{font-size:44px!important;line-height:1.2!important;letter-spacing:-.7px!important}.rd-longform time,.rd-story-copy time,main.container time,.rd-reading .text-muted{font-size:13px!important;color:#4b6069!important;opacity:1!important}.rd-kicker{font:700 10px Arial!important;letter-spacing:2px;text-transform:uppercase;color:var(--muted)}.rd-longform section.mb-5{font:17px/1.8 Arial,sans-serif;letter-spacing:normal}.rd-longform figure{margin:24px 0}.rd-longform figure img{max-height:420px;width:100%;object-fit:cover}.rd-reading .col-lg-4{border-left:1px solid var(--rule);padding-left:24px!important}.rd-reading .card{border:0;border-bottom:1px solid var(--rule);border-radius:0;box-shadow:none;background:transparent;color:var(--ink);padding-bottom:20px;margin-bottom:20px}.rd-reading .card-body{padding:10px 0}.rd-reading .card a{color:var(--ink);font:20px/1.35 Georgia,serif}.rd-reading .card img{max-height:160px;object-fit:cover}.rd-journal-head{border-bottom:2px solid var(--ink);padding-bottom:22px;margin-bottom:30px}.rd-journal-head h1{font-size:48px!important;margin:12px 0}.rd-journal-order{font-size:12px!important;color:var(--muted)}.rd-story-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px}.rd-story-card{border-bottom:1px solid var(--rule);padding-bottom:25px;min-width:0;background:transparent}.rd-story-media{display:block;aspect-ratio:16/10;overflow:hidden;margin-bottom:18px}.rd-story-media img{width:100%;height:100%;object-fit:cover}.rd-story-copy h2{font-size:26px!important;line-height:1.3;margin:12px 0}.rd-story-copy h2 a{text-decoration:none}.rd-story-copy p{font-size:15px!important}.rd-read-story{font-size:12px;text-transform:uppercase;letter-spacing:1px}.rd-pagination{display:flex;justify-content:space-between;gap:20px;border-top:1px solid var(--ink);margin-top:40px;padding:24px 0;flex-wrap:wrap}.rd-page-numbers{display:flex;gap:15px}input,textarea,button{max-width:100%;font:inherit}table{max-width:100%;border-collapse:collapse}td,th{padding:10px;border-bottom:1px solid var(--rule)}
@media(min-width:1400px){.rd-reading>.row{grid-template-columns:780px minmax(0,1fr)}}
@media(max-width:1000px){.rd-desktop-nav{gap:7px 13px}.rd-brand{font-size:24px}.rd-header{gap:20px}.rd-story-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.rd-reading>.row{grid-template-columns:minmax(0,1fr)}.rd-reading .col-lg-4{border-left:0;border-top:1px solid var(--rule);padding:25px 0 0!important}.rd-reading .col-lg-4>.card{display:inline-block;width:45%;vertical-align:top;margin-right:4%}.ledger-row{grid-template-columns:20% 80%}.adviser-band{grid-template-columns:20% 80%}}
@media(max-width:700px){body{font-size:16px}.rd-header{padding:19px 5vw;justify-content:space-between;align-items:flex-start;flex-wrap:wrap;gap:12px}.rd-brand{font-size:24px}.rd-brand small{font-size:8px;letter-spacing:1.3px;margin-top:7px}.rd-desktop-nav{display:none}.rd-mobile-nav{display:block;margin-left:auto}.rd-mobile-nav summary{font-size:13px;cursor:pointer;padding:7px}.rd-mobile-nav[open]{width:100%}.rd-mobile-nav[open] summary{text-align:right}.rd-mobile-menu{display:grid;grid-template-columns:1fr 1fr;gap:0 15px;border-top:1px solid var(--rule);margin-top:12px}.rd-mobile-menu a{font-size:14px;padding:9px 0;text-decoration:none;border-bottom:1px solid var(--rule)}.ledger-cover{padding-top:24px}.rd-eyebrow{font-size:9px;letter-spacing:1.4px}.ledger-cover h1{font-size:43px;line-height:1.08;letter-spacing:-1.6px;margin:24px 0}.cover-bottom{display:block;padding-bottom:25px}.cover-bottom p{font-size:15px;line-height:1.65;margin-bottom:22px}.rd-button{font-size:12px;padding:12px 18px}.cover-index{grid-template-columns:1fr;gap:9px;padding:18px 0}.cover-index a{font-size:14px}.cover-index>span{font-size:9px}.ledger-row{grid-template-columns:1fr;padding:38px 0}.margin-label{font-size:9px;margin-bottom:21px;display:flex;gap:14px;align-items:baseline}.margin-label span{font-size:11px;margin:0}.row-content{padding-left:0;border:0}.rd-home h2{font-size:32px;letter-spacing:-.7px;margin-bottom:23px}.document-columns{grid-template-columns:1fr;gap:9px;margin-top:25px}.document-columns p,.rhythm-line p{font-size:15px}.rhythm-line{grid-template-columns:1fr;gap:3px;padding-top:22px}.rhythm-line>div{display:grid;grid-template-columns:75px 1fr;gap:18px}.rhythm-line h3{font-size:19px}.adviser-band{display:block;padding-top:38px;padding-bottom:30px}.adviser-band>div:last-child{padding:0;border:0}.adviser-band p,.adviser-band li{font-size:15px}.faq-list summary{font-size:18px;padding-top:19px;padding-bottom:19px}.faq-list details p{font-size:15px}.closing-note{padding:40px 0}.closing-note p{font-size:15px}.rd-footer{display:block;padding:30px 5vw}.rd-footer nav{justify-content:flex-start;margin:24px 0 20px;gap:12px 19px}.rd-footer .rd-footnote{margin-top:22px}main.container{margin-top:30px;width:90%}main.container h1,.rd-journal-head h1{font-size:36px!important;letter-spacing:-.5px}.rd-longform h1{font-size:34px!important;letter-spacing:-.5px!important}.rd-reading>.row{gap:25px}.rd-longform section.mb-5,main.container p{font-size:17px;line-height:1.75}.rd-story-grid{grid-template-columns:1fr;gap:30px}.rd-story-copy h2{font-size:25px!important}.rd-reading .col-lg-4>.card{display:block;width:100%;margin-right:0}.rd-longform figure img{max-height:280px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}