/* Homeowner library: approved editorial identity, Refero-informed browsing. */
.blog-library>.breadcrumb,.faq-layout+.breadcrumb,.inner-page main>.breadcrumb{padding-top:30px}
.blog-intro{display:grid;grid-template-columns:1.15fr 1fr;gap:64px;align-items:center;padding:15px 0 44px}.blog-intro h1{font-size:clamp(40px,4.7vw,64px);font-weight:500;letter-spacing:-.045em;line-height:1.09;margin:18px 0 25px}.blog-intro .intro{font-size:19px;line-height:1.65;color:var(--muted);max-width:540px}.blog-intro-meta{font-size:12px;color:var(--muted);margin:25px 0 0}.blog-intro figure{margin:0}.blog-intro img{width:100%;aspect-ratio:1.4;object-fit:cover;border-radius:8px}.blog-intro figcaption{font-size:10px;color:var(--muted);text-align:right;margin-top:8px}
.blog-topics{display:flex;flex-wrap:wrap;gap:8px;padding:23px 0;border-block:1px solid var(--line);margin-bottom:32px}.blog-topics a{display:flex;align-items:center;gap:10px;border:1px solid var(--line);border-radius:6px;min-height:42px;padding:8px 12px;font-size:12px;text-decoration:none;color:var(--muted)}.blog-topics a span{font-size:10px;opacity:.8}.blog-topics a:hover{background:var(--soft);color:var(--ink)}.blog-topics a[aria-current]{background:var(--ink);border-color:var(--ink);color:#fff}
.blog-search{display:grid;grid-template-columns:minmax(0,1fr) minmax(170px,.42fr) auto;gap:14px;align-items:end;background:var(--soft);padding:24px;border:1px solid var(--line);border-radius:8px}.blog-search label{font-size:12px;display:block;margin-bottom:7px;font-weight:500}.blog-search input,.blog-search select{width:100%;height:50px;min-width:0;border:1px solid #bcc4c9;border-radius:5px;background:white;color:var(--ink);font:400 14px var(--sans);padding:0 13px}.blog-search input::placeholder{color:#68727a}.blog-search select{padding-right:24px}.blog-search .button{border:0;cursor:pointer}.blog-results-heading{display:flex;justify-content:space-between;gap:20px;align-items:center;padding:26px 0 20px;font-size:13px}.blog-results-heading p{margin:0;color:var(--muted)}.blog-results-heading a{display:flex;gap:8px;color:var(--link);text-decoration:none}.blog-results-heading a:hover{text-decoration:underline}
.blog-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;align-items:stretch}.blog-card{border:1px solid var(--line);border-radius:8px;overflow:hidden;background:white;display:flex;flex-direction:column;min-width:0;transition:box-shadow .2s,border-color .2s,transform .2s}.blog-card:hover{box-shadow:0 8px 25px #20262b0c;border-color:#bac3c8;transform:translateY(-2px)}.blog-card-image{display:block;aspect-ratio:1.8;overflow:hidden}.blog-card-image img{height:100%;width:100%;object-fit:cover;transition:transform .3s}.blog-card:hover img{transform:scale(1.025)}.blog-card-copy{padding:23px;display:flex;flex-direction:column;flex:1}.blog-card-copy .card-meta{font-size:11px;margin-bottom:17px;gap:8px}.blog-card h2,.blog-card h3{font-size:22px;line-height:1.35;letter-spacing:-.022em;text-wrap:pretty;margin:0 0 15px}.blog-card h2 a,.blog-card h3 a{color:var(--ink);text-decoration:none}.blog-card h2 a:hover,.blog-card h3 a:hover{color:var(--link);text-decoration:underline;text-underline-offset:4px}.blog-card-copy>p:not(.card-meta){font-size:14px;color:var(--muted);line-height:1.7;margin-bottom:18px}.blog-card-copy>.text-link{margin-top:auto;align-self:flex-start;font-size:13px;padding-bottom:0}
.blog-pagination{display:flex;flex-wrap:wrap;gap:7px;justify-content:center;padding:40px 0 12px}.blog-pagination button{min-width:42px;min-height:42px;padding:8px 12px;border:1px solid var(--line);border-radius:5px;background:white;color:var(--ink);font:500 13px var(--sans);cursor:pointer}.blog-pagination button:hover{background:var(--soft)}.blog-pagination button[aria-current]{background:var(--ink);color:white;border-color:var(--ink)}.blog-pagination button:disabled{opacity:.4;cursor:default}.blog-empty{background:var(--soft);padding:44px 28px;text-align:center;border-radius:8px;border:1px dashed #b9c3c9;margin-bottom:20px}.blog-empty h2{font-size:28px}.blog-empty p{font-size:16px;color:var(--muted)}.blog-empty button{margin:auto;border:0;cursor:pointer}
.research-note{padding:28px 32px;background:var(--soft);border-left:3px solid var(--accent);margin:38px 0 64px;font-size:15px}.research-note strong{font-weight:600}.research-note p{margin:10px 0 0;color:var(--muted)}.research-note a,.research-body a,.faq-item a{color:var(--link);text-underline-offset:4px}
.blog-article .article-toc nav{max-height:calc(100vh - 290px);overflow:auto;scrollbar-width:thin}.blog-article .article-toc nav a{font-size:12px;line-height:1.55}.blog-article .article-body a:not(.source-link){text-decoration:underline;text-underline-offset:4px;text-decoration-thickness:1px;overflow-wrap:anywhere}.blog-article .article-body table{width:100%;display:block;overflow-x:auto;border-collapse:collapse;margin:28px 0;font-size:15px;line-height:1.6}.blog-article caption{display:table-caption;text-align:left;font-size:14px;color:var(--muted);padding-bottom:10px}.blog-article th,.blog-article td{padding:14px 16px;text-align:left;border:1px solid var(--line);vertical-align:top;min-width:140px}.blog-article th{font-weight:600;background:var(--soft)}.blog-article h3{font-size:22px;margin:27px 0 15px}.jurisdiction-note{font-size:13px;line-height:1.7;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:24px;margin-bottom:34px}.article-checklist{list-style:none;padding:0!important}.article-checklist li{position:relative;padding:15px 18px 15px 42px;margin:0!important;border-bottom:1px solid var(--line);font-size:16px}.article-checklist li::before{content:'✓';position:absolute;left:12px;color:var(--link)}.source-scope{font-size:12px;line-height:1.65;color:var(--muted);margin:-2px 0 18px}.discussion-notes{margin-top:28px;border:1px solid var(--line);border-radius:6px;padding:18px;font-size:14px}.discussion-notes summary{font-weight:500;cursor:pointer}.discussion-notes p{margin:18px 0;font-size:13px}.discussion-notes li{font-size:13px}.blog-related .blog-grid{margin-bottom:30px}
.faq-item{border-bottom:1px solid var(--line);padding:0}.faq-item summary{list-style:none;cursor:pointer;display:flex;align-items:flex-start;justify-content:space-between;gap:20px;font-size:18px;line-height:1.6;font-weight:500;padding:22px 0}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary>span{font-size:23px;line-height:1.2;color:var(--link);flex:0 0 20px;text-align:center;margin-top:3px}.faq-item[open] summary>span{transform:rotate(45deg)}.faq-item>div{padding:0 32px 23px 0}.faq-item p{font-size:16px;line-height:1.8;color:var(--muted);margin:0 0 10px}.faq-item .text-link{font-size:13px}.article-faq .faq-item summary{font-size:17px}.faq-layout{display:grid;grid-template-columns:280px minmax(0,720px);gap:64px;padding:5px 0 80px;align-items:start}.faq-layout aside{padding:26px;background:var(--soft);border-radius:8px}.faq-layout aside h2{font-size:21px;line-height:1.4}.faq-layout aside p{font-size:14px;color:var(--muted);line-height:1.8}.research-body{max-width:760px;font-size:18px;line-height:1.85;padding-bottom:70px}.research-body h2{font-size:29px;margin:38px 0 18px}
.blog-home{padding-top:72px;padding-bottom:72px}.home-faq{display:grid;grid-template-columns:.7fr 1.3fr;gap:80px;border-top:1px solid var(--line);margin-top:70px;padding-top:55px}.home-faq h2{font-size:35px;font-weight:500}.home-faq>div>p:not(.eyebrow){font-size:16px;color:var(--muted);line-height:1.8}.home-faq .faq-item:first-child summary{padding-top:0}
[hidden]{display:none!important}
@media(max-width:1000px){.blog-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.blog-intro{gap:32px}.blog-intro h1{font-size:46px}.blog-card h2,.blog-card h3{font-size:21px}.home-faq{gap:40px}.faq-layout{grid-template-columns:230px 1fr;gap:35px}.site-nav{gap:23px}}
@media(max-width:720px){.blog-intro{grid-template-columns:1fr;gap:27px;padding-top:0}.blog-intro figure{max-height:220px;overflow:hidden;border-radius:6px}.blog-intro img{aspect-ratio:2.1}.blog-intro figcaption{display:none}.blog-intro h1{font-size:42px}.blog-intro .intro{font-size:17px}.blog-intro-meta{font-size:11px;margin-top:18px}.blog-topics{margin-bottom:23px;gap:6px}.blog-topics a{font-size:11px;min-height:39px;padding:7px 10px}.blog-topics a span{font-size:9px}.blog-search{grid-template-columns:1fr 1fr;padding:17px;gap:12px}.blog-search>div:first-child{grid-column:1/-1}.blog-search select,.blog-search input{font-size:16px}.blog-search .button{font-size:13px;gap:10px;justify-content:center}.blog-grid{gap:20px}.blog-card-copy{padding:20px}.blog-card h2,.blog-card h3{font-size:21px}.blog-card .card-meta{font-size:10px}.blog-results-heading{font-size:12px}.blog-results-heading .ui-icon{width:16px}.blog-pagination{gap:5px}.blog-pagination button{min-width:38px;min-height:42px;padding:7px 9px}.research-note{padding:24px 20px;font-size:14px}.faq-layout{grid-template-columns:1fr;gap:20px}.faq-layout aside{padding:21px}.faq-layout aside p{margin-bottom:10px}.faq-item summary{font-size:17px}.faq-item p{font-size:15px}.home-faq{grid-template-columns:1fr;gap:22px;margin-top:44px;padding-top:35px}.blog-home{padding-block:45px}.home-faq h2{font-size:30px}.home-faq>div>p{margin-bottom:14px}.blog-article .article-toc nav{max-height:380px}.research-body{font-size:17px}.research-body h2{font-size:26px}.header-inner{height:auto;min-height:94px;flex-wrap:wrap;gap:17px;padding-block:18px}.site-header .brand{font-size:18px}.site-nav{width:100%;justify-content:space-between;gap:10px;font-size:12px;order:2}.site-nav a{padding-block:5px}.site-header{position:relative}.blog-article .article-side{position:relative;top:auto}}
@media(max-width:540px){.blog-grid{grid-template-columns:1fr}.blog-card-image{aspect-ratio:1.9}.blog-card-copy{padding:22px}.blog-card h2,.blog-card h3{font-size:23px}.blog-card-copy>p:not(.card-meta){font-size:14px}.blog-card .card-meta{font-size:11px}.blog-intro h1{font-size:39px}.blog-results-heading{gap:10px}.blog-results-heading .ui-icon{display:none}.blog-search{grid-template-columns:minmax(0,1fr) auto}.blog-search .button{padding-inline:14px}.blog-search .button .ui-icon{display:none}.blog-article th,.blog-article td{min-width:130px;font-size:14px}.faq-item>div{padding-right:8px}}
@media(max-width:720px){.site-nav a{min-height:44px;display:flex;align-items:center}}
@media(prefers-reduced-motion:reduce){.blog-card,.blog-card-image img{transition:none}.blog-card:hover,.blog-card:hover img{transform:none}}
@media print{.blog-search,.blog-topics,.blog-pagination,.blog-article-intro .guide-cover,.blog-related,.blog-article .article-side{display:none}.blog-article table{display:table!important;font-size:9pt}.blog-article th,.blog-article td{min-width:0;padding:6px}.faq-item>div{display:block}.blog-card{break-inside:avoid}}
/* Tables keep their native semantics inside a focusable scroll region. */
.blog-article .table-scroll{overflow-x:auto;margin:28px 0;border-radius:3px}.blog-article .table-scroll table{display:table;overflow:visible;margin:0}.table-hint{display:none}.table-scroll:focus-visible{outline:2px solid var(--link);outline-offset:5px}
@media(max-width:720px){.article-body .table-hint{display:block;font-size:12px;color:var(--muted);margin:18px 0 8px}.blog-article .table-hint+.table-scroll{margin-top:8px}}
@media print{.table-hint{display:none!important}.blog-article .table-scroll{overflow:visible}}