body .ffg-article{--ff-black:#181F25;--ff-blue:#0556D8;--ff-yellow:#F9DC2C;--ff-lightblue:#7AC4EA;--ff-white:#F4F4F4;--ff-gray:#626267;--ff-head:"Arquitecta-Black","Arquitecta Black","Arquitecta Heavy",Arquitecta,Montserrat,Arial,sans-serif;--ff-body:"OpenSans-Regular","Open Sans",Arial,sans-serif;--ff-bold:"OpenSans-Bold","Open Sans",Arial,sans-serif;max-width:1272px;margin:0 auto;padding:0 36px;box-sizing:border-box;font-family:var(--ff-body);font-size:20px;line-height:1.45;font-weight:400;color:var(--ff-black);text-align:left}
body .ffg-article *,body .ffg-article *::before,body .ffg-article *::after{box-sizing:border-box}
body .ffg-article .kicker{font-family:var(--ff-head);font-size:18px;line-height:1.2;text-transform:uppercase;letter-spacing:.08em;color:var(--ff-blue);text-align:center;margin:0 0 12px}
body .ffg-article h1{font-family:var(--ff-head);font-weight:700;font-size:58px;line-height:1.05;text-transform:uppercase;color:var(--ff-black);text-align:center;margin:0 0 20px}
body .ffg-article .byline{font-family:var(--ff-body);font-size:16px;line-height:1.4;color:var(--ff-gray);text-align:center;margin:0 0 40px;padding-bottom:28px;border-bottom:1px solid rgba(24,31,37,.18)}
body .ffg-article h2{font-family:var(--ff-bold);font-weight:700;font-size:40px;line-height:1.2;color:var(--ff-black);margin:56px 0 18px}
body .ffg-article h3{font-family:var(--ff-bold);font-weight:700;font-size:30px;line-height:1.2;color:var(--ff-black);margin:36px 0 12px}
body .ffg-article h4{font-family:var(--ff-bold);font-weight:700;font-size:26px;line-height:1.25;color:var(--ff-black);margin:28px 0 10px}
body .ffg-article h5{font-family:var(--ff-bold);font-weight:700;font-size:22px;line-height:1.3;color:var(--ff-black);margin:24px 0 8px}
body .ffg-article h6{font-family:var(--ff-bold);font-weight:700;font-size:20px;line-height:1.4;color:var(--ff-black);margin:20px 0 8px}
body .ffg-article p{margin:0 0 20px;color:var(--ff-black)}
body .ffg-article strong,body .ffg-article b{font-family:var(--ff-bold);font-weight:700}
body .ffg-article ul,body .ffg-article ol{margin:0 0 24px;padding-left:28px}
body .ffg-article li{margin:0 0 10px}
body .ffg-article a{font-family:var(--ff-bold);font-weight:700;color:inherit;text-decoration:underline}
body .ffg-article a:hover,body .ffg-article a:focus{color:inherit;text-decoration:underline}
body .ffg-article .direct-answer{background:var(--ff-black);color:var(--ff-white);border-left:8px solid var(--ff-yellow);padding:32px 36px;margin:0 0 40px}
body .ffg-article .direct-answer p{color:var(--ff-white);margin:0;font-size:22px;line-height:1.45}
body .ffg-article .direct-answer p+p{margin-top:16px}
body .ffg-article .direct-answer strong{color:var(--ff-yellow)}
body .ffg-article .stat-row-label{font-family:var(--ff-head);font-size:18px;line-height:1.2;text-transform:uppercase;letter-spacing:.06em;color:var(--ff-gray);margin:0 0 12px}
body .ffg-article .stat-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:16px;margin:0 0 48px}
body .ffg-article .stat{background:var(--ff-black);padding:24px 22px}
body .ffg-article .stat .num{display:block;font-family:var(--ff-head);font-size:44px;line-height:1.05;color:var(--ff-yellow);margin-bottom:8px}
body .ffg-article .stat .label{display:block;font-family:var(--ff-body);font-size:16px;line-height:1.35;color:var(--ff-white)}
body .ffg-article .ff-table-wrap{overflow-x:auto;margin:0 0 40px;-webkit-overflow-scrolling:touch}
body .ffg-article table{width:100%;min-width:560px;border-collapse:collapse;font-size:17px;line-height:1.4}
body .ffg-article th{background:var(--ff-black);color:var(--ff-white);font-family:var(--ff-head);font-weight:700;font-size:16px;letter-spacing:.04em;text-transform:uppercase;text-align:left;padding:16px 18px;vertical-align:bottom}
body .ffg-article td{padding:16px 18px;border-bottom:1px solid rgba(24,31,37,.2);vertical-align:top;color:var(--ff-black)}
body .ffg-article td:first-child{font-family:var(--ff-bold);font-weight:700}
body .ffg-article td.firefly{background:rgba(249,220,44,.22)}
body .ffg-article .fit-box{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:0 0 40px}
body .ffg-article .fit-col{background:var(--ff-white);padding:28px 28px 12px;border-top:8px solid var(--ff-gray)}
body .ffg-article .fit-good{border-top-color:var(--ff-blue)}
body .ffg-article .fit-bad{border-top-color:var(--ff-gray)}
body .ffg-article .fit-col h3,body .ffg-article .fit-col h4{font-size:26px;margin:0 0 14px}
body .ffg-article .faq-item{border-bottom:2px solid rgba(24,31,37,.12);padding:28px 0 8px}
body .ffg-article .faq-item h3{font-size:26px;line-height:1.25;margin:0 0 12px}
body .ffg-article .note{background:var(--ff-white);border-left:6px solid var(--ff-lightblue);font-size:16px;line-height:1.45;color:var(--ff-gray);padding:18px 22px;margin:48px 0 0}
body .ffg-article .note p{color:var(--ff-gray);font-size:16px;margin:0}
body .ffg-article .chart-figure{margin:0 0 40px;padding:28px 24px 20px;background:var(--ff-white)}
body .ffg-article .chart-figure figcaption{font-size:16px;line-height:1.4;color:var(--ff-gray);margin-top:12px;text-align:center}
body .ffg-article .bar-chart{width:100%;max-width:460px;display:block;margin:0 auto;font-family:var(--ff-body)}
body .ffg-article .bar-chart .grid line{stroke:rgba(24,31,37,.15);stroke-width:1}
body .ffg-article .bar-chart .grid-labels text{fill:var(--ff-gray);font-size:10px}
body .ffg-article .bar-chart .axis{stroke:var(--ff-gray);stroke-width:1}
body .ffg-article .bar-chart .seg-direct{fill:var(--ff-blue)}
body .ffg-article .bar-chart .seg-brokered{fill:var(--ff-gray)}
body .ffg-article .bar-chart .seg-label{fill:var(--ff-black);font-family:var(--ff-bold);font-size:12px;font-weight:700}
body .ffg-article .bar-chart .seg-label-inside{fill:#fff;font-family:var(--ff-bold);font-size:11px;font-weight:700}
body .ffg-article .bar-chart .cat-label{fill:var(--ff-black);font-family:var(--ff-bold);font-size:12.5px;font-weight:700}
body .ffg-article .chart-legend{display:flex;gap:20px;justify-content:center;flex-wrap:wrap;margin-top:10px;font-size:15px;color:var(--ff-gray)}
body .ffg-article .legend-item{display:inline-flex;align-items:center;gap:8px}
body .ffg-article .swatch{display:inline-block;width:14px;height:14px}
body .ffg-article .swatch-direct{background:var(--ff-blue)}
body .ffg-article .swatch-brokered{background:var(--ff-gray)}
body .ffg-article a.ff-btn{display:inline-block;background:var(--ff-blue);color:var(--ff-white);font-family:var(--ff-head);font-weight:700;font-size:20px;line-height:1.1;text-transform:uppercase;text-decoration:none;padding:18px 34px;margin:0 16px 14px 0;border-radius:0;transition:transform .15s ease}
body .ffg-article a.ff-btn:hover,body .ffg-article a.ff-btn:focus{color:var(--ff-white);text-decoration:none;transform:scale(1.1)}
body .ffg-article a.ff-btn--dark{background:var(--ff-black);color:var(--ff-yellow)}
body .ffg-article a.ff-btn--dark:hover,body .ffg-article a.ff-btn--dark:focus{color:var(--ff-yellow)}
body .ffg-article a.ff-btn--light{background:var(--ff-lightblue);color:var(--ff-black)}
body .ffg-article a.ff-btn--light:hover,body .ffg-article a.ff-btn--light:focus{color:var(--ff-black)}
@media (max-width:700px){
body .ffg-article{font-size:18px}
body .ffg-article h1{font-size:36px}
body .ffg-article h2{font-size:28px;margin-top:44px}
body .ffg-article h3{font-size:24px}
body .ffg-article h4,body .ffg-article .fit-col h3,body .ffg-article .faq-item h3{font-size:22px}
body .ffg-article .direct-answer{padding:24px 22px;border-left-width:6px}
body .ffg-article .direct-answer p{font-size:19px}
body .ffg-article .stat-row{grid-template-columns:repeat(2,1fr)}
body .ffg-article .stat .num{font-size:36px}
}
/* --- Supplemental (from 1857): components not in the base formatter CSS, brand tokens only --- */
body .ffg-article .cta-box{background:var(--ff-black);padding:40px 36px;margin:48px 0 40px;text-align:center}
body .ffg-article .cta-box h2{color:var(--ff-white);margin-top:0}
body .ffg-article .cta-box p{color:var(--ff-white);max-width:560px;margin-left:auto;margin-right:auto}
body .ffg-article .cta-box a.ff-btn{margin:8px 0 0}
body .ffg-article .related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin:0 0 40px}
body .ffg-article .related-card{display:block;background:var(--ff-white);border-top:8px solid var(--ff-gray);padding:20px 22px;color:var(--ff-black);font-family:var(--ff-bold);font-weight:700;font-size:17px;line-height:1.4;text-decoration:none;transition:border-color .15s ease}
body .ffg-article .related-card:hover,body .ffg-article .related-card:focus{color:var(--ff-black);text-decoration:none;border-top-color:var(--ff-blue)}
@media (max-width:700px){
body .ffg-article .cta-box{padding:28px 24px}
}
/* --- Supplemental (from 1857): looser line and list-item spacing --- */
body .ffg-article{line-height:1.65}
body .ffg-article p{line-height:1.65}
body .ffg-article li{margin:0 0 14px;line-height:1.6}
body .ffg-article ul ul,body .ffg-article ol ol,body .ffg-article li ul,body .ffg-article li ol{margin-top:10px;margin-bottom:18px}
body .ffg-article .direct-answer p{line-height:1.6}
body .ffg-article .faq-item p{line-height:1.6}
body .ffg-article .fit-col p{line-height:1.6}
body .ffg-article .note p{line-height:1.6}
body .ffg-article table,body .ffg-article th,body .ffg-article td{line-height:1.4}
.ffg-sr{position:absolute!important;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
body .ffg-article .chart-figure .ffg-chart-title{margin:0 0 8px;font-size:26px;text-align:center}
body .ffg-article .chart-figure .ffg-chart-desc{margin:0 0 16px;font-size:16px;text-align:center;color:var(--ff-gray)}
body .ffg-article .ffg-chart-fallback{display:block;max-width:100%;height:auto;margin:0 auto}

/* Layout wrappers: 1857 had flat siblings inside body .ffg-article, so wrappers add no spacing of their own. */
body .ffg-article .ffg-faq{margin:0 0 40px}
body .ffg-article .ffg-related{margin:0 0 40px}
body .ffg-article .ffg-editor-warning{background:var(--ff-yellow);color:var(--ff-black);padding:8px 12px;font-size:15px;max-width:none}
@media(max-width:700px){body .ffg-article .chart-figure .ffg-chart-title{font-size:22px}}
body .ffg-article .ffg-related{margin:56px 0 40px}
body .ffg-article .ffg-related h2{margin-top:0}
body .ffg-article .byline-title{display:block;margin-top:4px}
body .ffg-article .ffg-head{padding-top:32px}
body .ffg-article .ffg-sr{position:absolute;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
body .ffg-article .ffg-editor-warning{background:var(--ff-yellow);color:var(--ff-black);padding:8px 12px;font-size:15px}
body .ffg-article .ff-table-wrap{border:0}
body .ffg-article .ff-table-wrap:focus{outline:3px solid var(--ff-blue)}
body .ffg-article table th[scope=row]{background:transparent;color:var(--ff-black);font-family:var(--ff-bold);font-size:inherit;letter-spacing:0;text-transform:none;border-bottom:1px solid rgba(24,31,37,.2);padding:16px 18px;vertical-align:top}
body .ffg-article img{max-width:100%;height:auto}
@media (max-width:700px){body .ffg-article{padding:0 16px}body .ffg-article .related-grid{grid-template-columns:1fr}}
body .ffg-article .chart-figure .ffg-chart-desc p,body .ffg-article .chart-figure figcaption p{margin:0}
body .ffg-article .byline-extra{display:block;margin-top:4px}

/* Mobile chart readability: larger SVG text units, tighter padding, contained scroll for charts with many bars. */
body .ffg-article .chart-scroll{max-width:100%}
@media(max-width:700px){
body .ffg-article .chart-figure{padding:20px 8px 16px}
body .ffg-article .bar-chart .grid-labels text{font-size:16px}
body .ffg-article .bar-chart .seg-label-inside,body .ffg-article .bar-chart .seg-label{font-size:14px}
body .ffg-article .bar-chart .cat-label{font-size:17px}
body .ffg-article .chart-legend{font-size:16px}
body .ffg-article .chart-scroll.chart-many{overflow-x:auto;-webkit-overflow-scrolling:touch}
body .ffg-article .chart-scroll.chart-many .bar-chart{min-width:560px;max-width:none}
}

/* FAQ accordion */
body .ffg-article .guide-faq-item{border-bottom:2px solid rgba(24,31,37,.12);padding:0}
body .ffg-article .guide-faq-item h3{margin:0;font-size:26px;line-height:1.25}
body .ffg-article .guide-faq-item h3 button{display:flex;width:100%;justify-content:space-between;align-items:center;gap:16px;background:none;border:0;padding:26px 0;margin:0;font:inherit;color:inherit;text-align:left;cursor:pointer}
body .ffg-article .guide-faq-item h3 button:focus-visible{outline:3px solid var(--ff-blue);outline-offset:2px}
body .ffg-article .guide-faq-item h3 button span{flex:0 0 auto;font-size:28px;line-height:1;font-weight:400}
body .ffg-article .guide-faq-item [hidden]{display:none}
body .ffg-article .guide-faq-item div[id^=guide-faq-answer]{padding:0 0 24px}
body .ffg-article .guide-faq-item p{line-height:1.6;margin:0}
@media(max-width:700px){body .ffg-article .guide-faq-item h3{font-size:22px}body .ffg-article .guide-faq-item h3 button{padding:20px 0}}

/* Final responsive QA: contain chart scaling and 320px stat cards */
@media(max-width:700px){
body .ffg-article .stat-row{grid-template-columns:repeat(2,minmax(0,1fr))}
body .ffg-article .chart-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}
body .ffg-article .chart-scroll .bar-chart{min-width:400px;max-width:none}
}
@media(max-width:360px){
body .ffg-article .stat{padding:20px 14px}
body .ffg-article .stat .num{font-size:30px}
}

@media(min-width:701px) and (max-width:900px){
body .ffg-article .stat{padding:24px 16px}
body .ffg-article .stat .num{font-size:34px}
}
/* Guide Category cards (replace Related Reading). Dark strip with yellow title, yellow body; whole card is the link. */
body .ffg-article .ffg-cats{margin:56px 0 40px}
body .ffg-article .ffg-cats h2{margin-top:0}
body .ffg-article .ffg-cat-grid{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:16px}
body .ffg-article a.ffg-cat-card{display:flex;flex-direction:column;text-decoration:none;color:var(--ff-black);min-width:0}
body .ffg-article a.ffg-cat-card:hover,body .ffg-article a.ffg-cat-card:focus{text-decoration:none;color:var(--ff-black)}
body .ffg-article a.ffg-cat-card:focus-visible{outline:3px solid var(--ff-blue);outline-offset:2px}
body .ffg-article .ffg-cat-title{display:block;background:var(--ff-black);color:var(--ff-yellow);font-family:var(--ff-head);font-size:16px;line-height:1.2;text-transform:uppercase;padding:12px 14px;overflow-wrap:anywhere}
body .ffg-article .ffg-cat-body{display:block;flex:1;background:var(--ff-yellow);color:var(--ff-black);font-family:var(--ff-bold);font-weight:700;font-size:14px;line-height:1.3;padding:10px 14px}
body .ffg-article a.ffg-cat-card:hover .ffg-cat-body,body .ffg-article a.ffg-cat-card:focus .ffg-cat-body{text-decoration:underline}
@media(max-width:1099px){body .ffg-article .ffg-cat-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(max-width:700px){body .ffg-article .ffg-cat-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}}
@media(max-width:420px){body .ffg-article .ffg-cat-grid{grid-template-columns:1fr}}
@media(min-width:421px){body .ffg-article .ffg-cat-title{min-height:calc(2.4em + 24px)}}

/* --- Section overview component + section anchors (2026-11-05) --- */
body .ffg-article .ffg-overview{background:#fff;border:1px solid #D9DADD;border-top:6px solid var(--ff-yellow);padding:28px 36px 22px;margin:0 0 48px}
body .ffg-article .ffg-overview-title{font-family:var(--ff-head);font-size:18px;line-height:1.2;text-transform:uppercase;letter-spacing:.08em;color:var(--ff-blue);margin:0 0 14px}
body .ffg-article .ffg-overview-list{list-style:none;margin:0;padding:0;column-count:2;column-gap:56px}
body .ffg-article .ffg-overview-list li{break-inside:avoid;margin:0;padding:0;list-style:none}
body .ffg-article .ffg-overview-link{display:flex;align-items:baseline;gap:16px;padding:10px 0;font-family:var(--ff-bold);font-weight:700;font-size:19px;line-height:1.3;color:var(--ff-black);text-decoration:none}
body .ffg-article .ffg-overview-num{flex:0 0 auto;min-width:2ch;font-family:var(--ff-head);color:var(--ff-blue)}
body .ffg-article a.ffg-overview-link:hover .ffg-overview-name,body .ffg-article a.ffg-overview-link:focus-visible .ffg-overview-name{color:var(--ff-blue);text-decoration:underline}
body .ffg-article a.ffg-overview-link:focus-visible{outline:2px solid var(--ff-blue);outline-offset:2px}
body .ffg-article section[id]{scroll-margin-top:110px}
@media (max-width:700px){
body .ffg-article .ffg-overview{padding:22px 20px 14px;margin-bottom:36px}
body .ffg-article .ffg-overview-list{column-count:1}
body .ffg-article .ffg-overview-link{font-size:17px;padding:9px 0}
}

/* Eyebrow (kicker) above the guide title: breathing room under the breadcrumb */
body .ffg-head .kicker{margin-top:22px}
/* Chart image: about 50% of the content width on desktop, centred, with its caption directly beneath it. Tablet and mobile keep the full width. */
@media (min-width:901px){
body .ffg-article .ffg-chart-fallback{width:50%}
body .ffg-article .ffg-chart-fallback + figcaption{width:50%;margin-left:auto;margin-right:auto}
}

/* Chart caption and source line at 16px (guides whose chart is an image) */
body .ffg-article .ffg-chart-fallback + figcaption p{font-size:16px}