.ltr-main{padding-top:25px}.ltr-main [hidden]{display:none!important}.ltr-main a{color:inherit}.ltr-main h1,.ltr-main h2,.ltr-main h3{font-family:inherit;color:#141413;font-weight:700}.ltr-main h2{font-size:29px;letter-spacing:-.8px;line-height:1.45;margin:10px 0 14px}.ltr-main h3{line-height:1.5}.ltr-main p{color:#626158}.ltr-main section[id],.ltr-main h2[id]{scroll-margin-top:55px}.ltr-hero{display:grid;grid-template-columns:1.6fr 1fr;gap:70px;padding:30px 0 45px}.ltr-hero-copy{padding-top:16px}.ltr-hero h1{font-size:58px;letter-spacing:-2.3px;line-height:1.2;margin:21px 0 22px}.ltr-hero h1 em{font-style:normal;color:#806021}.ltr-hero-copy>p{font-size:15px;line-height:1.95;max-width:590px;margin:0 0 26px}.ltr-actions{display:flex;gap:25px;align-items:center;flex-wrap:wrap}.ltr-main .ltx-button{font-size:12px;padding:13px 21px}.ltr-main .ltx-button-dark{color:#fffefa}.ltr-main .ltx-button-dark:hover{color:#fff}.ltr-text-link{font-size:12px;display:inline-flex;gap:10px;align-items:center;font-weight:650;color:#806021!important}.ltr-text-link:hover{text-decoration:underline!important;text-underline-offset:5px}.ltr-text-link svg{width:17px;height:17px}.ltr-byline{display:flex;gap:11px;align-items:center;margin-top:28px;font-size:11px;line-height:1.8;color:#36342e}.ltr-byline img{border-radius:50%;object-fit:cover}.ltr-byline small{font-size:10px;color:#716d62;display:block}.ltr-hero-note{position:relative;align-self:center;padding:30px 32px 24px;background:#eee6d5;border:1px solid #d9cdb5;border-radius:3px 22px 3px 3px}.ltr-hero-note:before{content:'';position:absolute;top:-1px;left:32px;width:40px;height:4px;background:#b58d41}.ltr-note-label{font-size:9px;font-weight:700;letter-spacing:.15em;color:#806021}.ltr-hero-note h2{font-size:28px;margin:12px 0 22px}.ltr-hero-note ol{list-style:none;padding:0;margin:0}.ltr-hero-note li{display:flex;gap:15px;padding:14px 0;border-top:1px solid #d8cdb7;align-items:baseline}.ltr-hero-note li>span{font-size:10px;color:#806021;font-weight:700}.ltr-hero-note strong{font-size:13px;font-weight:650}.ltr-hero-note li p{font-size:11px;margin:4px 0 0;line-height:1.8}.ltr-hero-note>a{display:flex;gap:12px;align-items:center;font-size:10px;color:#806021;margin-top:17px;font-weight:600}.ltr-hero-note>a svg{width:16px;height:16px}.ltr-principles{display:flex;justify-content:space-between;gap:20px;padding:20px 0;border-top:1px solid #dedbd0;border-bottom:1px solid #dedbd0}.ltr-principles span{display:flex;align-items:center;gap:11px;font-size:11px;color:#575247}.ltr-principles svg{width:19px;height:19px;color:#94702c}.ltr-section{margin-top:65px}.ltr-section-top{display:flex;justify-content:space-between;align-items:center;gap:20px}.ltr-lead{font-size:12px;line-height:1.9;max-width:780px;margin:0 0 25px}.ltr-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:21px}.ltr-card{background:#fffefa;border:1px solid #dedbd0;padding:25px;border-radius:9px;display:flex;flex-direction:column;min-width:0;transition:border-color .2s,box-shadow .2s}.ltr-card:hover{border-color:#b49a66;box-shadow:0 6px 22px #35271108}.ltr-card-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px;min-height:55px}.ltr-index{font-size:10px;color:#a9a395;font-variant-numeric:tabular-nums}.ltr-logo{display:flex;align-items:center;height:55px;max-width:175px}.ltr-logo img{width:115px;height:65px;object-fit:contain}.ltr-wordmark{font-size:25px;letter-spacing:-1px;line-height:1.2;font-weight:800}.ltr-tag{color:#806021;font-size:9px;line-height:1.7;display:block}.ltr-card h3{font-size:19px;margin:7px 0 11px;letter-spacing:-.4px}.ltr-card>p{font-size:12px;line-height:1.9;margin:0 0 20px}.ltr-card-note{margin-top:auto;display:flex;flex-direction:column;gap:5px;padding:14px 0 17px;border-top:1px solid #ebe7dc;font-size:11px;line-height:1.85}.ltr-card-note strong{font-size:10px;font-weight:650;color:#575247}.ltr-card-note span{color:#716d62}.ltr-card-bottom{border-top:1px solid #ebe7dc;padding-top:15px;display:flex;justify-content:space-between;gap:10px;align-items:center}.ltr-card-bottom .ltr-text-link{font-size:11px}.ltr-compare-control{display:flex;align-items:center;gap:6px;font-size:10px;color:#626158;cursor:pointer}.ltr-main input[type=checkbox]{accent-color:#806021;width:16px;height:16px;cursor:pointer;flex-shrink:0}.ltr-guide-card{padding:30px;display:flex;flex-direction:column;align-items:flex-start;justify-content:center;background:#eee9dc;border:1px dashed #c9b994;border-radius:9px}.ltr-guide-card>svg{color:#a17d36;width:36px;height:36px;margin:22px 0 2px}.ltr-guide-card h3{font-size:24px;margin:14px 0;letter-spacing:-.5px}.ltr-guide-card p{font-size:12px;line-height:1.9;margin:0 0 22px}.ltr-table-wrap{overflow:auto;border:1px solid #dedbd0;border-radius:9px;background:#fffefa}.ltr-comparison{border-collapse:collapse;width:100%;margin:0!important;font-size:11px;line-height:1.85;table-layout:fixed;min-width:1080px}.ltr-comparison th,.ltr-comparison td{padding:19px 17px;border:0;border-bottom:1px solid #e5e0d4;border-right:1px solid #e5e0d4;text-align:left;vertical-align:top;background:transparent!important;box-sizing:border-box}.ltr-comparison thead th{background:#eee9dc!important;color:#141413;font-size:13px}.ltr-comparison tbody th{font-size:10px;color:#575247;font-weight:650;width:155px;background:#faf8f0!important}.ltr-comparison thead th:first-child{width:155px}.ltr-comparison td{color:#626158}.ltr-comparison tr:last-child>*{border-bottom:0}.ltr-comparison tr>*:last-child{border-right:0}.ltr-comparison.is-filtered{min-width:600px}.ltr-status{color:#806021;font-size:10px}.ltr-footnote{font-size:10px;line-height:1.9;margin:13px 0}.ltr-main .ltr-reset{background:transparent;color:#806021;border:1px solid #c9b994;font-size:11px;padding:9px 13px;border-radius:5px;cursor:pointer;font-family:inherit}.ltr-reset:hover{background:#eee6d5!important}.ltr-checklist{display:grid;grid-template-columns:1fr 1.5fr;gap:65px;padding:38px;background:#f0ebdf;border:1px solid #e0d7c4;border-radius:12px}.ltr-checklist>div>p{font-size:12px;line-height:1.9;max-width:310px}.ltr-check-progress{display:inline-block;font-size:10px;color:#806021;border-bottom:2px solid #d6a84f;padding:7px 0;margin-top:10px}.ltr-check-items label{display:flex;align-items:flex-start;gap:13px;padding:16px 0;border-bottom:1px solid #ddd5c4;cursor:pointer}.ltr-check-items label:first-child{padding-top:0}.ltr-check-items label:last-child{border:0;padding-bottom:0}.ltr-check-items input{margin:4px 0 0}.ltr-check-items strong{font-size:12px;font-weight:650;display:block;margin-bottom:4px}.ltr-check-items small{font-size:11px;line-height:1.8;color:#716d62;display:block}.ltr-check-items input:checked+span strong{color:#806021}.ltr-method{display:grid;grid-template-columns:1fr 1.2fr;gap:85px;padding:10px 0 40px;border-bottom:1px solid #dedbd0}.ltr-method>div>p{font-size:12px;line-height:1.9;max-width:390px}.ltr-method-items>div{padding:0 0 16px;margin:0 0 17px;border-bottom:1px solid #e5e0d4}.ltr-method-items>div:last-child{border:0;padding:0;margin:0}.ltr-method-items strong{font-size:12px}.ltr-method-items p{font-size:12px;line-height:1.85;margin:7px 0 0}.ltr-faq{display:grid;grid-template-columns:1fr 1.5fr;gap:65px}.ltr-faq h2{max-width:310px}.ltr-faq details{border-bottom:1px solid #dedbd0}.ltr-faq summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:20px;font-size:12px;font-weight:650;cursor:pointer;padding:20px 0}.ltr-faq summary::-webkit-details-marker{display:none}.ltr-faq summary span{font-size:21px;color:#94702c;font-weight:400}.ltr-faq details[open] summary span{transform:rotate(45deg)}.ltr-faq details p{font-size:12px;line-height:1.9;margin:0 25px 20px 0}.ltr-help{margin-top:65px;background:#e8d5ae;border:1px solid #d8c196;border-radius:9px;padding:32px 35px;display:flex;align-items:center;justify-content:space-between;gap:35px}.ltr-help h2{font-size:23px}.ltr-help p{font-size:11px;line-height:1.9;max-width:640px;margin:0}.ltr-help>a{flex-shrink:0}.ltr-risk{font-size:10px;line-height:1.9;max-width:950px;margin:25px 0 0}.ltr-detail-hero{display:grid;grid-template-columns:1fr 220px;gap:50px;align-items:center;padding:24px 0 35px}.ltr-detail-hero h1{font-size:43px;line-height:1.35;letter-spacing:-1.5px;margin:18px 0}.ltr-detail-hero>div>p{font-size:15px;line-height:1.9;max-width:760px;margin:0}.ltr-detail-logo{height:155px;display:flex;align-items:center;justify-content:center;border:1px solid #dedbd0;border-radius:12px;background:#fff}.ltr-detail-logo img{width:170px;height:125px;object-fit:contain}.ltr-detail-logo .ltr-wordmark{font-size:29px}.ltr-detail-facts{display:grid;grid-template-columns:1.3fr 1fr 1fr;border-top:1px solid #dedbd0;border-bottom:1px solid #dedbd0;padding:23px 0;gap:25px}.ltr-detail-facts span{display:block;font-size:9px;letter-spacing:.08em;color:#806021;margin-bottom:8px}.ltr-detail-facts strong{font-size:12px;line-height:1.8;font-weight:600;display:block}.ltr-detail-layout{display:grid;grid-template-columns:minmax(0,800px) 260px;gap:65px;align-items:start;margin-top:42px}.ltr-article{min-width:0;font-size:14px;line-height:1.95}.ltr-article h2{font-size:25px;margin:39px 0 18px;letter-spacing:-.6px}.ltr-article h2:first-child{margin-top:0}.ltr-article h3{font-size:16px;margin:0 0 13px}.ltr-article p{margin:0 0 19px}.ltr-article a{color:#806021;text-decoration:underline!important;text-underline-offset:4px;overflow-wrap:anywhere}.ltr-article ul,.ltr-article ol{padding-left:22px;color:#626158}.ltr-article li{padding:4px 0}.ltr-pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:25px 0}.ltr-pros-cons>div{padding:22px;border:1px solid #dedbd0;border-radius:7px;background:#fffefa}.ltr-pros-cons>div:last-child{background:#f1ecdf}.ltr-pros-cons ul{font-size:12px;margin:0}.ltr-article .ltr-callout{padding:21px 24px;background:#eee7d6;border-left:3px solid #d6a84f;border-radius:0 6px 6px 0;font-size:12px;line-height:1.9;margin:22px 0}.ltr-article .ltr-table-wrap{margin:20px 0}.ltr-account-table{font-size:11px;line-height:1.8;min-width:580px;width:100%;border-collapse:collapse;margin:0!important}.ltr-account-table th,.ltr-account-table td{padding:14px 12px;text-align:left;vertical-align:top;border:1px solid #e1dbcf;background:transparent!important}.ltr-account-table thead th{background:#eee9dc!important}.ltr-article .ltr-sources{font-size:12px;line-height:1.9}.ltr-toc{position:sticky;top:52px;background:#f0ebdf;border:1px solid #ded5c3;border-radius:8px;padding:24px}.ltr-toc nav{display:flex;flex-direction:column;margin:15px 0 23px;gap:4px}.ltr-toc nav a{font-size:11px;padding:8px 0 8px 12px;color:#626158;border-left:2px solid #ddd4c1}.ltr-toc nav a:hover,.ltr-toc nav a[aria-current]{color:#806021;border-color:#b58d41;font-weight:650}.ltr-toc .ltx-button{font-size:10px;padding:11px;width:100%;gap:6px}.ltr-toc .ltx-button svg{width:14px}.ltr-toc>p{font-size:10px;line-height:1.85;margin:14px 0 0}.ltr-related{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.ltr-related>a{border:1px solid #dedbd0;border-radius:7px;background:#fffefa;padding:23px;display:flex;flex-direction:column;gap:17px}.ltr-related>a:hover{border-color:#b58d41}.ltr-related strong{font-size:17px}.ltr-related span{font-size:10px;color:#806021;display:flex;gap:10px;align-items:center}.ltr-related svg{width:15px;height:15px}.ltx-broker .ltr-wordmark{height:78px;display:flex;align-items:center;font-size:22px}
@media(max-width:1100px){.ltr-hero{gap:35px}.ltr-hero h1{font-size:47px}.ltr-grid{gap:15px}.ltr-card{padding:21px}.ltr-card-bottom{flex-wrap:wrap}.ltr-detail-layout{gap:35px;grid-template-columns:minmax(0,1fr) 235px}.ltr-method{gap:45px}}
@media(max-width:800px){.ltr-hero{grid-template-columns:1fr;gap:30px;padding-top:10px}.ltr-hero h1{font-size:46px}.ltr-hero-note{width:100%;padding:25px}.ltr-hero-note h2 br{display:none}.ltr-hero-note ol{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.ltr-hero-note li{gap:9px}.ltr-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.ltr-principles{gap:13px;flex-wrap:wrap}.ltr-principles span{font-size:10px}.ltr-section{margin-top:45px}.ltr-checklist,.ltr-faq{grid-template-columns:1fr;gap:25px}.ltr-checklist{padding:28px}.ltr-checklist h2 br{display:none}.ltr-checklist>div>p{max-width:100%}.ltr-check-progress{margin-top:0}.ltr-method{gap:30px;grid-template-columns:1fr}.ltr-method>div>p{max-width:100%}.ltr-help{flex-direction:column;align-items:flex-start;padding:28px;margin-top:45px;gap:22px}.ltr-detail-hero{grid-template-columns:1fr 160px;gap:25px}.ltr-detail-hero h1{font-size:34px}.ltr-detail-logo{height:130px}.ltr-detail-logo img{width:140px;height:100px}.ltr-detail-logo .ltr-wordmark{font-size:22px}.ltr-detail-layout{grid-template-columns:1fr;gap:30px}.ltr-toc{position:static;grid-row:1}.ltr-toc nav{display:grid;grid-template-columns:1fr 1fr;gap:0 20px;margin-bottom:10px}.ltr-toc .ltx-button,.ltr-toc>p{display:none}.ltr-related{grid-template-columns:1fr 1fr}.ltr-main h2{font-size:26px}.ltr-article h2{font-size:24px}}
@media(max-width:480px){.ltr-main{padding-top:18px}.ltr-main .ltx-breadcrumb{font-size:10px;margin-bottom:20px;gap:8px}.ltr-hero h1{font-size:38px;letter-spacing:-1.5px}.ltr-hero-copy{padding-top:0}.ltr-hero-copy>p{font-size:13px}.ltr-actions{gap:18px}.ltr-main .ltx-button{font-size:11px;padding:12px 16px}.ltr-hero-note ol{grid-template-columns:1fr;gap:0}.ltr-hero-note h2{font-size:25px}.ltr-hero-note li{gap:16px;padding:12px 0}.ltr-principles{display:grid;grid-template-columns:1fr;gap:12px}.ltr-grid{grid-template-columns:1fr;gap:17px}.ltr-card{padding:24px}.ltr-card-bottom{flex-wrap:nowrap}.ltr-section-top{align-items:flex-start;flex-direction:column;gap:0}.ltr-section-top>.ltr-text-link,.ltr-section-top>.ltr-reset{margin:0 0 16px}.ltr-main h2{font-size:25px}.ltr-checklist{padding:23px}.ltr-help{padding:25px}.ltr-help h2{font-size:22px}.ltr-detail-hero{grid-template-columns:1fr;gap:22px;padding-top:5px}.ltr-detail-hero h1{font-size:32px;letter-spacing:-1px}.ltr-detail-hero>div>p{font-size:13px}.ltr-detail-logo{grid-row:1;width:135px;height:75px;border-radius:7px}.ltr-detail-logo img{width:100px;height:70px}.ltr-detail-logo .ltr-wordmark{font-size:19px}.ltr-detail-facts{grid-template-columns:1fr;gap:16px;padding:20px 0}.ltr-detail-facts>div{border-bottom:1px solid #e5e0d4;padding-bottom:12px}.ltr-detail-facts>div:last-child{border:0;padding-bottom:0}.ltr-detail-layout{margin-top:27px}.ltr-toc{padding:20px}.ltr-toc nav a{font-size:10px}.ltr-article{font-size:13px}.ltr-pros-cons{grid-template-columns:1fr;gap:13px}.ltr-related{gap:12px}.ltr-related>a{padding:19px}.ltr-related strong{font-size:16px}.ltr-article .ltr-callout{padding:18px}.ltr-guide-card{padding:26px}.ltr-guide-card h3 br{display:none}}
@media(prefers-reduced-motion:reduce){.ltr-card{transition:none}}