:root{--blue:#0d359d;--cream:#f3f0e8;--gold:#7c6034;--gold-lift:#d0a66d;--pale:#eef3f7;--ink:#000;--text:#000000c7;--muted:#0000008f;--line:#00000024;--on-dark:#fffc;--on-dark-2:#ffffff9e;--line-dark:#ffffff38;--edge-dark:#fff6;--focus:var(--blue);--gutter:clamp(24px, 4.5vw, 72px);--column-gap:32px;--section:clamp(96px, 11vw, 176px);--measure:64ch;--lead-measure:48ch;--ease:cubic-bezier(.2, .7, .2, 1)}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:96px}body{background:var(--cream);color:var(--text);font-family:var(--font-sans), "Segoe UI", system-ui, sans-serif;letter-spacing:-.011em;text-wrap:pretty;-webkit-font-smoothing:antialiased;margin:0;font-size:18px;font-weight:400;line-height:1.58}a{color:inherit;text-decoration:none}button,summary{-webkit-tap-highlight-color:transparent}button{font:inherit}button,a,summary{touch-action:manipulation}a,button,summary{outline-offset:5px}:focus-visible{outline:3px solid 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1280px);margin-inline:auto}.grid{column-gap:var(--column-gap);grid-template-columns:repeat(12,minmax(0,1fr));display:grid}.grid>*{min-width:0}.section{padding-block:var(--section)}.measure{max-width:var(--measure)}.lead{max-width:var(--lead-measure)}.eyebrow{width:fit-content;margin-bottom:32px}.skip-link{z-index:100;background:var(--blue);color:#fff;padding:12px 24px;position:fixed;top:12px;left:12px;transform:translateY(-180%)}.skip-link:focus{transform:translateY(0)}.button{min-height:52px;transition:background .24s var(--ease), border-color .24s var(--ease), transform .24s var(--ease);border:1px solid #0000;border-radius:2px;justify-content:space-between;align-items:center;gap:32px;padding:13px 22px;font-size:16px;font-weight:600;display:inline-flex}.button:hover{transform:translateY(-1px)}.on-cream .button{background:var(--blue);border-color:var(--blue);color:#fff}.on-cream .button:hover{background:var(--ink);border-color:var(--ink)}.on-blue 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--header-line{syntax:"<color>";inherits:true;initial-value:#00000024}@property --header-edge{syntax:"<color>";inherits:true;initial-value:#0006}@property --header-mark{syntax:"<color>";inherits:true;initial-value:#0d359d}@property --header-accent{syntax:"<color>";inherits:true;initial-value:#0d359d}@property --header-on-accent{syntax:"<color>";inherits:true;initial-value:#fff}.site-header{--header-bg:#fff;--header-fg:var(--ink);--header-fg-2:var(--muted);--header-line:var(--line);--header-edge:#0006;--header-mark:var(--blue);--header-accent:var(--blue);--header-on-accent:#fff;--focus:var(--header-accent);z-index:20;background-color:var(--header-bg);color:var(--header-fg);border-bottom:1px solid var(--header-line);position:sticky;top:0}@keyframes header-ground{0%{--header-bg:transparent;--header-line:transparent}}@keyframes header-ink{0%{--header-fg:#fff;--header-fg-2:var(--on-dark-2);--header-edge:var(--edge-dark);--header-mark:var(--cream);--header-accent:#fff;--header-on-accent:var(--blue)}}@supports (animation-timeline:scroll()){body:has(.hero) .site-header:not(:has(.mobile-menu[open])){animation:linear both header-ground,step-end both header-ink;animation-timeline:scroll(root),scroll(root);animation-range:12vh 46vh,12vh 29vh}}.header-inner{align-items:center;gap:32px;min-height:76px;display:flex;container-type:inline-size}.brand-lockup{color:var(--header-fg);flex-shrink:0;align-items:center;gap:12px;display:flex}.brand-lockup svg{width:22px;height:40px;color:var(--header-mark);flex-shrink:0}.brand-text{flex-direction:column;display:flex}.brand-wordmark{font-family:var(--font-serif), Garamond, "Times New Roman", serif;letter-spacing:-.01em;font-size:23px;font-weight:600;line-height:1.15}.brand-company{font-family:var(--font-sans), "Segoe UI", system-ui, 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strong{color:var(--ink)}.adam-highlight{background:var(--pale);color:var(--ink);margin-top:52px;padding:32px}.surrogate .eyebrow,.surrogate .pull-quote{grid-column:1/12}.quote-word{display:inline-block}.surrogate .pull-quote em{background-image:linear-gradient(var(--gold), var(--gold));-webkit-box-decoration-break:slice;box-decoration-break:slice;background-position:0 100%;background-repeat:no-repeat;background-size:100% 2px;padding-bottom:.06em}.surrogate-copy{max-width:var(--lead-measure);grid-column:5/13;margin-top:clamp(52px,5vw,72px)}.surrogate-copy p+p{margin-top:28px}.surrogate-copy strong{color:var(--ink)}.surrogate-payoff{max-width:var(--lead-measure);font-family:var(--font-serif), Garamond, "Times New Roman", serif;letter-spacing:-.02em;color:var(--blue);grid-column:5/13;margin-top:clamp(52px,6vw,84px);font-size:clamp(26px,2.6vw,38px);font-style:italic;font-weight:500;line-height:1.25}.criteria-header{grid-column:1/9}.criteria-header h2{margin-bottom:32px}.criteria-lead{max-width:var(--lead-measure);color:var(--on-dark)}.term-sheet{border-top:1px solid var(--line-dark);grid-column:1/13;margin-top:84px}.term-row{column-gap:var(--column-gap);border-bottom:1px solid var(--line-dark);transition:color .24s var(--ease);grid-template-columns:3fr 2fr 7fr;align-items:baseline;padding-block:32px;display:grid}.term-key{color:var(--on-dark-2)}.term-value{color:#fff;font-variant-numeric:tabular-nums lining-nums;transition:color .24s var(--ease);font-size:clamp(36px,4vw,56px);font-weight:500;line-height:1}.term-row:hover .term-value{color:#fff}.term-note{color:var(--on-dark);max-width:var(--measure)}.criteria-footnote{max-width:var(--measure);color:var(--on-dark-2);grid-column:1/13;margin-top:52px}.baton-figure{background:var(--pale);grid-column:1/6;align-self:stretch;min-height:520px;position:relative;overflow:hidden}.baton-figure img{object-fit:cover;object-position:var(--hotspot-x,center) 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#0000004d;text-decoration-thickness:1px}.email-address:hover{-webkit-text-decoration-color:var(--blue);text-decoration-color:var(--blue)}.site-footer{--header-fg:#fff;--header-fg-2:var(--on-dark-2);--header-mark:var(--cream);background:var(--ink);color:var(--on-dark)}.footer-main{border-bottom:1px solid var(--line-dark);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:32px;padding-block:52px;display:flex}.footer-links{flex-wrap:wrap;gap:32px;display:flex}.footer-links a,.footer-meta a{min-height:44px;transition:background-size .24s var(--ease);background-image:linear-gradient(currentColor,currentColor);background-position:0 calc(50% + 10px);background-repeat:no-repeat;background-size:0% 1px;align-items:center;display:inline-flex}.footer-links a:hover,.footer-meta a:hover{background-size:100% 1px}.footer-links a{font-size:15px}.footer-meta{border-bottom:1px solid 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