.bcp-journeys{--bcp-blue:#00458c;--bcp-blue-deep:#00356c;--bcp-orange:#e65a00;--bcp-ink:#142433;--bcp-muted:#596d7e;--bcp-line:#cddce8;--bcp-tint:#edf4fb;--bcp-paper:#f7f7f2;width:100%;color:var(--bcp-ink);font-family:inherit;container-type:inline-size}.bcp-journeys *{box-sizing:border-box}.bcp-journeys h2,.bcp-journeys h3,.bcp-journeys h4,.bcp-journeys p,.bcp-journeys ol,.bcp-journeys dl{margin:0}.bcp-journeys button,.bcp-journeys a,.bcp-journeys summary{-webkit-tap-highlight-color:transparent}.bcp-journeys button{cursor:pointer;font-family:inherit}.bcp-journeys button:disabled{cursor:default}.bcp-journeys button:focus-visible,.bcp-journeys a:focus-visible,.bcp-journeys summary:focus-visible{outline:3px solid var(--bcp-orange);outline-offset:4px}.bcp-journeys a{color:var(--bcp-blue);text-underline-offset:4px}.bcp-wordmark{object-fit:contain;width:111px;max-width:100%;height:auto;display:block}.bcp-wordmark-compact{width:78px}.bcp-section-heading{grid-template-columns:1.2fr 1fr;align-items:end;gap:46px;margin-bottom:29px;display:grid}.bcp-kicker{letter-spacing:.11em;color:var(--bcp-blue);font-size:10px;font-weight:700;line-height:1.5}.bcp-section-heading h2{color:var(--bcp-ink);letter-spacing:-.055em;margin-top:14px;font-size:clamp(31px,3.4vw,45px);font-weight:650;line-height:1.05}.bcp-section-heading>p{max-width:400px;color:var(--bcp-muted);font-size:14px;line-height:1.75}.bcp-case-tabs{border-block:1px solid var(--bcp-blue);grid-template-columns:repeat(3,minmax(0,1fr));margin-bottom:28px;display:grid}.bcp-case-tabs button{min-width:0;min-height:64px;color:var(--bcp-muted);border:0;border-right:1px solid var(--bcp-line);text-align:left;background:0 0;align-items:center;gap:12px;padding:17px 16px;transition:color .18s,background .18s;display:flex;position:relative}.bcp-case-tabs button:last-child{border-right:0}.bcp-case-tabs button>span:first-child{color:inherit;opacity:.75;font-variant-numeric:tabular-nums;font-size:11px}.bcp-case-tabs button>b{flex:1;font-size:13px;font-weight:550;line-height:1.4}.bcp-case-tabs button>span:last-child{font-size:17px}.bcp-case-tabs button:after{content:"";background:var(--bcp-orange);transform-origin:0;height:3px;transition:transform .18s;position:absolute;bottom:0;left:16px;right:16px;transform:scaleX(0)}.bcp-case-tabs button[aria-selected=true]{color:#fff;background:var(--bcp-blue)}.bcp-case-tabs button[aria-selected=true]:after{transform:scaleX(1)}.bcp-case-tabs button:not([aria-selected=true]):hover{color:var(--bcp-blue);background:#eaf0f5}.bcp-journey-layout{grid-template-columns:minmax(0,.85fr) minmax(0,1.2fr);align-items:start;gap:36px;display:grid}.bcp-story{min-width:0;padding-top:10px}.bcp-story h3{letter-spacing:-.045em;max-width:400px;margin-top:18px;font-size:clamp(25px,2.5vw,34px);font-weight:650;line-height:1.12}.bcp-story-intro{color:var(--bcp-muted);font-size:14px;line-height:1.8;margin-top:18px!important}.bcp-story-result{border-block:1px solid var(--bcp-line);margin-block:28px 25px;padding-block:23px}.bcp-story-result strong{color:var(--bcp-blue);letter-spacing:-.05em;font-size:clamp(29px,3.2vw,41px);font-weight:650;line-height:1.1;display:block}.bcp-story-result>span{color:var(--bcp-muted);margin-top:10px;font-size:12px;line-height:1.55;display:block}.bcp-story-decision>span{letter-spacing:.1em;color:var(--bcp-muted);font-size:10px;font-weight:650}.bcp-story-decision>p{margin-top:10px;font-size:14px;line-height:1.75}.bcp-story-channels{flex-wrap:wrap;gap:7px;margin-top:22px;display:flex}.bcp-story-channels>span{color:var(--bcp-blue);background:#e9f0f7;padding:5px 8px;font-size:11px;line-height:1.4}.bcp-measurement{border-top:1px solid var(--bcp-line);margin-top:25px}.bcp-measurement summary{cursor:pointer;justify-content:space-between;align-items:center;gap:15px;min-height:48px;padding:13px 0;font-size:12px;font-weight:600;list-style:none;display:flex}.bcp-measurement summary::-webkit-details-marker{display:none}.bcp-measurement summary>span{color:var(--bcp-blue);font-size:18px}.bcp-measurement[open] summary>span{transform:rotate(45deg)}.bcp-measurement p{color:var(--bcp-muted);margin-bottom:13px;font-size:12px;line-height:1.75}.bcp-measurement a{margin-bottom:13px;font-size:12px;line-height:1.5;display:inline-block}.bcp-journey-panel{background:var(--bcp-tint);border:1px solid var(--bcp-line);border-radius:6px;min-width:0;padding:22px}.bcp-journey-panel-top{justify-content:space-between;align-items:center;gap:20px;padding-bottom:20px;display:flex}.bcp-journey-panel-top>div{gap:7px;display:grid}.bcp-journey-panel-top>div>span{letter-spacing:.1em;color:var(--bcp-muted);font-size:9px;font-weight:650}.bcp-journey-panel-top b{font-size:12px;font-weight:550}.bcp-journey-panel-top>.bcp-wordmark{width:100px}.bcp-stage-list{border-block:1px solid var(--bcp-line);grid-template-columns:repeat(4,minmax(0,1fr));gap:5px;padding-block:11px;display:grid}.bcp-stage-list button{min-width:0;min-height:70px;color:var(--bcp-muted);text-align:left;background:0 0;border:0;gap:6px;padding:8px;transition:color .18s,background .18s;display:grid}.bcp-stage-list button>span{font-variant-numeric:tabular-nums;font-size:10px}.bcp-stage-list button>b{overflow-wrap:break-word;font-size:11px;font-weight:550;line-height:1.35}.bcp-stage-list button[aria-current=step]{color:#fff;background:var(--bcp-blue);box-shadow:inset 0 -3px var(--bcp-orange)}.bcp-stage-list button:not([aria-current=step]):hover{color:var(--bcp-blue);background:#dde9f3}.bcp-stage-caption{padding-block:20px 5px}.bcp-stage-caption>strong{letter-spacing:-.02em;font-size:16px;font-weight:600;line-height:1.4;display:block}.bcp-stage-caption>p{color:var(--bcp-muted);margin-top:8px;font-size:12px;line-height:1.7}.bcp-scene{padding-block:21px 25px;animation:.22s both bcp-stage-enter}.bcp-primary-action{color:#fff;background:var(--bcp-blue);text-align:left;border:0;border-radius:4px;justify-content:space-between;align-items:center;gap:10px;width:100%;min-height:44px;padding:11px 13px;font-size:12px;font-weight:550;line-height:1.4;transition:background .18s;display:flex}.bcp-primary-action:hover{background:var(--bcp-blue-deep)}.bcp-primary-action>span{flex-shrink:0;font-size:18px}.bcp-journey-controls{border-top:1px solid var(--bcp-line);justify-content:space-between;gap:15px;padding-top:11px;display:flex}.bcp-journey-controls button{min-height:44px;color:var(--bcp-blue);background:0 0;border:0;align-items:center;gap:12px;padding:8px 0;font-size:12px;font-weight:550;display:flex}.bcp-journey-controls button:disabled{color:#8093a5}.bcp-journey-controls button>span{font-size:17px}.bcp-reconstruction-note{color:var(--bcp-muted);padding-top:10px;font-size:11px;line-height:1.65}.bcp-screen-eyebrow{color:var(--bcp-muted);letter-spacing:.07em;font-size:9px;font-weight:600;line-height:1.5;display:block}.bcp-agent-scene{justify-content:center;align-items:center;gap:24px;min-height:350px;display:flex}.bcp-storefront{filter:drop-shadow(0 10px 12px #14395b0a);flex-shrink:0;width:165px}.bcp-awning{background:var(--bcp-blue);clip-path:polygon(10% 0,90% 0,100% 100%,0 100%);height:35px;padding-inline:5px;display:flex}.bcp-awning>i{background:var(--bcp-blue);border-right:5px solid #fff;flex:1}.bcp-awning>i:last-child{border:0}.bcp-store-body{border:1px solid #b8c9d7;border-top:5px solid var(--bcp-orange);background:#fff;min-height:182px;padding:14px 12px 0;position:relative}.bcp-store-body>span{letter-spacing:.14em;color:var(--bcp-blue);text-align:center;font-size:10px;font-weight:700;display:block}.bcp-store-body>.bcp-wordmark{width:94px;margin:9px auto 15px}.bcp-store-window{width:75px;height:67px;color:var(--bcp-blue);text-align:center;background:#e8f1fa;border:3px solid #b8c9d7;place-items:center;font-size:12px;line-height:1.35;display:grid}.bcp-store-door{background:#dce9f4;border:3px solid #b8c9d7;border-bottom:0;width:40px;height:75px;position:absolute;bottom:0;right:12px}.bcp-store-door:after{content:"";background:var(--bcp-blue);border-radius:50%;width:4px;height:4px;position:absolute;top:38px;right:4px}.bcp-visit-card{min-width:0;max-width:240px}.bcp-visit-card h4{letter-spacing:-.04em;margin-top:11px;font-size:22px;font-weight:600;line-height:1.2}.bcp-visit-card p{color:var(--bcp-muted);margin-top:13px;font-size:12px;line-height:1.7}.bcp-visit-card .bcp-primary-action{margin-top:20px}.bcp-receipt-scene{justify-content:center;align-items:center;gap:20px;display:flex}.bcp-paper-receipt{border-top:4px solid var(--bcp-orange);clip-path:polygon(0 0,100% 0,100% 98%,96% 100%,92% 98%,88% 100%,84% 98%,80% 100%,76% 98%,72% 100%,68% 98%,64% 100%,60% 98%,56% 100%,52% 98%,48% 100%,44% 98%,40% 100%,36% 98%,32% 100%,28% 98%,24% 100%,20% 98%,16% 100%,12% 98%,8% 100%,4% 98%,0 100%);background:#fff;width:min(280px,100%);padding:25px 22px 30px;box-shadow:0 9px 26px #153d5e13}.bcp-paper-receipt>.bcp-wordmark{margin:auto}.bcp-receipt-label{color:var(--bcp-muted);letter-spacing:.06em;text-align:center;margin-top:13px;font-size:8px;display:block}.bcp-paper-receipt dl{border-block:1px dashed #ccd5dd;margin-block:19px;padding-block:13px}.bcp-paper-receipt dl>div{justify-content:space-between;gap:12px;font-size:10px;line-height:1.8;display:flex}.bcp-paper-receipt dt{color:var(--bcp-muted)}.bcp-paper-receipt dd{text-align:right;margin:0;font-weight:550}.bcp-receipt-offer>span{color:var(--bcp-blue);letter-spacing:.05em;font-size:9px}.bcp-receipt-offer h4{letter-spacing:-.035em;margin-top:8px;font-size:21px;font-weight:650;line-height:1.2}.bcp-receipt-offer p{color:var(--bcp-muted);margin-top:12px;font-size:11px;line-height:1.7}.bcp-paper-receipt .bcp-primary-action{margin-top:20px}.bcp-scene-side-note{max-width:139px;color:var(--bcp-muted)}.bcp-scene-side-note>span{color:var(--bcp-orange);margin-bottom:12px;font-size:32px;line-height:1;display:block}.bcp-scene-side-note p{font-size:12px;line-height:1.7}.bcp-phone-scene{justify-content:center;align-items:center;gap:23px;display:flex}.bcp-iphone.bcp-phone-shell{aspect-ratio:433/882;flex-shrink:0;width:min(244px,100%)}.bcp-iphone{vertical-align:middle;width:100%;line-height:1;display:inline-block;position:relative}.bcp-iphone-screen{z-index:1;background:#fff;position:absolute;overflow:hidden}.bcp-iphone-frame{pointer-events:none;z-index:2;width:100%;height:100%;position:absolute;inset:0}.bcp-phone-app{height:100%;min-height:0;color:var(--bcp-ink);background:#fff;flex-direction:column;gap:12px;padding:39px 15px 12px;display:flex}.bcp-phone-header{border-bottom:1px solid #e0e7ee;flex-shrink:0;justify-content:space-between;align-items:center;gap:12px;padding-bottom:12px;display:flex}.bcp-phone-header .bcp-wordmark{width:67px}.bcp-phone-header>span{color:var(--bcp-muted);font-size:9px}.bcp-phone-content{scrollbar-width:thin;flex:1;min-height:0;overflow:auto}.bcp-phone-content>h4{color:var(--bcp-blue);letter-spacing:-.045em;margin-top:12px;font-size:23px;font-weight:650;line-height:1.15}.bcp-phone-content>p{color:var(--bcp-muted);margin-top:12px;font-size:11px;line-height:1.65}.bcp-phone-app>.bcp-primary-action{flex-shrink:0;min-height:43px;padding:10px;font-size:11px}.bcp-phone-footnote{color:#6a7c8b;text-align:center;flex-shrink:0;font-size:8px;line-height:1.45}.bcp-guidance-options{border-top:1px solid #dce5ed;margin-top:18px}.bcp-guidance-options>div{border-bottom:1px solid #dce5ed;align-items:center;gap:10px;padding:13px 0;display:flex}.bcp-guidance-options>div>span{color:var(--bcp-orange);font-size:10px}.bcp-guidance-options b{font-size:12px;font-weight:600}.bcp-guidance-options small{color:var(--bcp-muted);margin-top:5px;font-size:9px;line-height:1.45;display:block}.bcp-trust-note{color:var(--bcp-muted);gap:7px;margin-top:16px;font-size:9px;line-height:1.5;display:flex}.bcp-trust-note>span{color:var(--bcp-blue)}.bcp-check-stamp{color:var(--bcp-blue);align-items:center;gap:7px;font-size:10px;line-height:1.5;display:inline-flex}.bcp-check-stamp>span{background:#e6f0fa;border-radius:50%;place-items:center;width:22px;height:22px;font-size:13px;display:grid}.bcp-completion-card{border-left:3px solid var(--bcp-orange);background:#f0f5fa;margin-top:22px;padding:15px 12px}.bcp-completion-card>span{color:var(--bcp-muted);letter-spacing:.03em;font-size:8px;line-height:1.45}.bcp-completion-card>strong{color:var(--bcp-blue);letter-spacing:-.03em;margin-top:9px;font-size:17px;font-weight:600;line-height:1.3;display:block}.bcp-completion-card>p{color:var(--bcp-muted);margin-top:9px;font-size:10px;line-height:1.6}.bcp-yape-scene{flex-direction:column;gap:15px}.bcp-yape-app{color:#2f2038;background:#fff;flex-direction:column;height:100%;display:flex}.bcp-yape-app>header{color:#fff;background:#722386;padding:42px 17px 20px}.bcp-yape-app>header>strong{letter-spacing:-.04em;font-size:32px;font-weight:650;line-height:1.1;display:block}.bcp-yape-app>header>span{color:#f2dcf7;margin-top:7px;font-size:10px;line-height:1.5;display:block}.bcp-yape-content{flex:1;min-height:0;padding:19px 15px;overflow:auto}.bcp-yape-content .bcp-screen-eyebrow{color:#765e7d}.bcp-yape-content h4{letter-spacing:-.04em;margin-top:10px;font-size:24px;font-weight:600;line-height:1.12}.bcp-wallet-options{grid-template-columns:repeat(2,minmax(0,1fr));gap:8px;margin-top:21px;display:grid}.bcp-wallet-options>*{color:#66416f;text-align:center;background:#faf7fb;border:1px solid #e6dce9;border-radius:7px;justify-items:center;gap:8px;min-height:73px;padding:12px 6px;font-size:11px;line-height:1.3;display:grid}.bcp-wallet-options>*>span{font-size:20px}.bcp-wallet-options button{color:#fff;background:#722386;border-color:#722386}.bcp-wallet-options button:hover{background:#5c1b6c}.bcp-yape-content>p{color:#765e7d;margin-top:17px;font-size:10px;line-height:1.7}.bcp-yape-app>.bcp-phone-footnote{color:#765e7d;padding:8px 14px 14px}.bcp-integration-choice{width:100%;max-width:340px;color:var(--bcp-muted);text-align:center}.bcp-integration-choice>span{letter-spacing:.08em;font-size:8px}.bcp-integration-choice>div{justify-content:center;gap:6px;margin-top:9px;display:flex}.bcp-integration-choice>div>*{border:1px solid var(--bcp-line);color:var(--bcp-muted);background:#fff;padding:5px 9px;font-size:10px;font-weight:450;line-height:1.5}.bcp-integration-choice>div>strong{color:#fff;background:var(--bcp-blue);border-color:var(--bcp-blue);font-weight:550}.bcp-integration-choice>p{margin-top:9px;font-size:10px;line-height:1.6}.bcp-webview-return{color:#722386;border-bottom:1px solid #e0e7ee;flex-shrink:0;align-items:center;gap:6px;margin-top:-5px;padding-bottom:9px;font-size:10px;display:flex}.bcp-webview-return>span:first-child{font-size:17px}.bcp-webview-return>span:last-child{color:var(--bcp-muted);margin-left:auto;font-size:8px}.bcp-offer-preview{background:#f4f8fc;border:1px solid #d4e2ee;border-radius:5px;margin-top:20px;padding:13px}.bcp-offer-preview>span{color:var(--bcp-muted);letter-spacing:.04em;font-size:8px}.bcp-offer-preview>strong{letter-spacing:-.02em;color:var(--bcp-blue);margin-top:10px;font-size:17px;font-weight:550;line-height:1.35;display:block}.bcp-offer-preview>p{color:var(--bcp-muted);margin-top:10px;font-size:9px;line-height:1.6}.bcp-review-list{padding:0;list-style:none;margin-top:15px!important}.bcp-review-list>li{border-top:1px solid #e0e7ee;align-items:center;gap:11px;padding:12px 0;display:flex}.bcp-review-list>li>span{color:var(--bcp-orange);font-size:10px}.bcp-review-list b{font-size:12px;font-weight:550}.bcp-review-list small{color:var(--bcp-muted);margin-top:5px;font-size:9px;display:block}.bcp-signing-intro{width:min(345px,100%);margin:auto}.bcp-timing-comparison{justify-content:space-between;align-items:center;gap:16px;margin-block:15px 23px;display:flex}.bcp-timing-comparison>div{flex:1}.bcp-timing-comparison>div>span{color:var(--bcp-muted);letter-spacing:.05em;font-size:9px;display:block}.bcp-timing-comparison strong{color:var(--bcp-blue);letter-spacing:-.05em;white-space:nowrap;margin-top:7px;font-size:34px;font-weight:650;line-height:1.1;display:block}.bcp-timing-comparison>span{color:var(--bcp-orange);font-size:23px}.bcp-timing-comparison>div:last-child{border-left:1px solid var(--bcp-line);padding-left:16px}.bcp-agreement-preview{border-top:4px solid var(--bcp-orange);background:#fff;padding:23px;box-shadow:0 10px 25px #153d5e0b}.bcp-agreement-preview>span{color:var(--bcp-muted);letter-spacing:.05em;margin-top:21px;font-size:8px;line-height:1.5;display:block}.bcp-agreement-preview h4{letter-spacing:-.04em;margin-top:12px;font-size:27px;font-weight:600;line-height:1.15}.bcp-agreement-preview>p{color:var(--bcp-muted);margin-top:14px;font-size:12px;line-height:1.7}.bcp-agreement-preview>.bcp-primary-action{margin-top:21px}.bcp-nps-result{color:var(--bcp-muted);justify-content:space-between;gap:12px;padding-top:15px;font-size:10px;display:flex}.bcp-nps-result>strong{color:var(--bcp-blue);font-size:12px;font-weight:600}.bcp-identity-card{background:#f4f8fc;border:1px solid #d4e2ee;border-radius:5px;flex-wrap:wrap;align-items:center;gap:10px;margin-top:19px;padding:13px 10px;display:flex}.bcp-identity-portrait{background:#e5eef7;border:1px solid #c3d5e6;border-radius:3px;flex-direction:column;justify-content:center;align-items:center;gap:3px;width:33px;height:43px;display:flex}.bcp-identity-portrait>i{background:#b6cbe0;border-radius:50%;width:10px;height:10px}.bcp-identity-portrait>span{background:#b6cbe0;border-radius:10px 10px 2px 2px;width:19px;height:11px}.bcp-identity-card>div:not(.bcp-identity-portrait){flex:1;min-width:100px}.bcp-identity-card b{font-size:11px;font-weight:550;line-height:1.5}.bcp-identity-card small{color:var(--bcp-muted);margin-top:5px;font-size:9px;display:block}.bcp-state-chip{color:var(--bcp-blue);border:1px solid #c3d5e6;margin-left:43px;padding:4px 6px;font-size:8px}.bcp-phone-content>.bcp-screen-note{font-size:9px}.bcp-document{background:#fafbf8;border:1px solid #d7dedf;margin-top:15px;padding:13px}.bcp-document>b{font-size:11px;font-weight:550}.bcp-document>span{background:#dce2e6;height:3px;margin-top:9px;display:block}.bcp-document>span:nth-of-type(2){width:82%}.bcp-document>p{color:var(--bcp-muted);margin-top:16px;font-size:10px;line-height:1.7}.bcp-document>div{color:var(--bcp-blue);border-top:1px solid #bccbd6;margin-top:18px;padding-top:10px;font-size:9px}@keyframes bcp-stage-enter{0%{opacity:.7;transform:translateY(5px)}to{opacity:1;transform:translateY(0)}}@container (width<=800px){.bcp-journey-layout{grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:24px}.bcp-agent-scene{flex-direction:column;gap:22px}.bcp-storefront{width:151px}.bcp-visit-card{width:100%;max-width:310px}.bcp-visit-card h4 br{display:none}.bcp-phone-scene:not(.bcp-yape-scene),.bcp-receipt-scene{flex-direction:column}.bcp-scene-side-note{align-items:start;gap:10px;max-width:280px;display:flex}.bcp-scene-side-note>span{margin-top:2px;font-size:23px}.bcp-scene-side-note>p{font-size:11px}.bcp-stage-list button{padding:7px 5px}}@container (width<=680px){.bcp-section-heading{grid-template-columns:1fr;gap:19px;margin-bottom:24px}.bcp-section-heading h2{font-size:35px}.bcp-section-heading>p{max-width:100%;font-size:13px}.bcp-case-tabs{grid-template-columns:1fr}.bcp-case-tabs button{border-right:0;border-bottom:1px solid var(--bcp-line);min-height:52px;padding:14px 12px}.bcp-case-tabs button:last-child{border-bottom:0}.bcp-case-tabs button:after{transform-origin:top;width:4px;height:auto;inset:0 auto 0 0;transform:scaleY(0)}.bcp-case-tabs button[aria-selected=true]:after{transform:scaleY(1)}.bcp-journey-layout{grid-template-columns:1fr;gap:24px}.bcp-story{padding-top:0}.bcp-story h3{max-width:100%;font-size:30px}.bcp-story-intro{font-size:13px}.bcp-story-result{margin-block:23px;padding-block:20px}.bcp-story-result strong{font-size:35px}.bcp-story-decision>p{font-size:13px}.bcp-story-channels,.bcp-measurement{margin-top:18px}.bcp-journey-panel{padding:18px 14px}.bcp-journey-panel-top>.bcp-wordmark{width:90px}.bcp-stage-list{gap:3px}.bcp-stage-list button{min-height:77px;padding:7px 4px}.bcp-stage-list button>b{font-size:10px}.bcp-stage-caption>strong{font-size:16px}.bcp-stage-caption>p{font-size:12px}.bcp-scene{padding-top:20px}.bcp-phone-shell{width:min(248px,100%)}.bcp-agent-scene{min-height:0}.bcp-storefront{width:165px}.bcp-visit-card h4{font-size:23px}.bcp-timing-comparison strong{font-size:31px}.bcp-agreement-preview{padding:20px 17px}.bcp-nps-result{flex-wrap:wrap}}@media (prefers-reduced-motion:reduce){.bcp-journeys *,.bcp-journeys :after{transition:none!important;animation:none!important}}#ria-study{--rd-paper:light-dark(#f7f7f2,#191a17);--rd-ink:light-dark(#11120f,#f3f4ed);--rd-muted:light-dark(#62655b,#a9ada0);--rd-line:light-dark(#cdd0c3,#41453b);--rd-white:light-dark(#fff,#23251f);--rd-soft:light-dark(#edeee7,#292c23);--rd-signal:#d8ff52;--rd-signal-ink:#172000;--rd-orange:light-dark(#d94c00,#ff965d);color:var(--rd-ink);background:0 0;max-width:100%;font-family:Inter,Arial,sans-serif;font-size:14px;line-height:1.5;container-type:inline-size}#ria-study *{box-sizing:border-box}#ria-study p,#ria-study h1,#ria-study h2,#ria-study h3{margin:0}#ria-study a{color:inherit;text-decoration:none}#ria-study button{font:inherit;cursor:default}#ria-study button:focus-visible,#ria-study a:focus-visible,#ria-study summary:focus-visible{outline:3px solid var(--rd-orange);outline-offset:4px}#ria-study .rd-page{background:var(--rd-paper);border:1px solid var(--rd-line);overflow:clip}#ria-study .rd-nav{border-bottom:1px solid var(--rd-ink);justify-content:space-between;align-items:center;gap:22px;padding:24px 38px;display:flex}#ria-study .rd-name{letter-spacing:-.5px;font-size:13px;font-weight:800;line-height:1.1}#ria-study .rd-name span{letter-spacing:1.3px;color:var(--rd-muted);margin-top:8px;font-size:8px;font-weight:500;display:block}#ria-study .rd-links{gap:26px;font-size:11px;font-weight:550;display:flex}#ria-study .rd-edition{letter-spacing:.7px;color:var(--rd-muted);padding-right:45px;font-size:9px;font-weight:600}#ria-study .rd-hero{grid-template-columns:1.08fr 1fr;gap:45px;padding:62px 38px 54px;display:grid}#ria-study .rd-kicker{letter-spacing:1.2px;align-items:center;gap:8px;font-size:9px;font-weight:650;display:flex}#ria-study .rd-dot{background:var(--rd-signal);border-radius:50%;flex-shrink:0;width:7px;height:7px;display:inline-block}#ria-study h1{letter-spacing:-3.8px;margin-top:23px;font-size:clamp(45px,6.4cqi,72px);font-weight:750;line-height:1.02}#ria-study h1 span{color:var(--rd-muted)}#ria-study .rd-deck{color:var(--rd-muted);max-width:350px;margin-top:24px;font-size:13px;line-height:1.7}#ria-study .rd-link-button{background:var(--rd-ink);width:fit-content;color:var(--rd-paper);align-items:center;gap:50px;margin-top:25px;padding:11px 15px;font-size:11px;font-weight:600;display:flex}#ria-study .rd-proof{padding-top:9px}#ria-study .rd-proof-top{border-top:1px solid var(--rd-ink);letter-spacing:1px;justify-content:space-between;padding-top:12px;font-size:9px;font-weight:650;display:flex}#ria-study .rd-chart-title{letter-spacing:-.8px;margin:35px 0 26px;font-size:25px;font-weight:600}#ria-study .rd-bar-row{margin:20px 0}#ria-study .rd-bar-label{color:var(--rd-muted);justify-content:space-between;margin-bottom:8px;font-size:11px;display:flex}#ria-study .rd-bar-label b{color:var(--rd-ink);letter-spacing:-.5px;font-size:18px}#ria-study .rd-bar-track{background:var(--rd-soft);height:35px}#ria-study .rd-bar{height:100%}#ria-study .rd-before{background:var(--rd-muted);width:43.636%}#ria-study .rd-after{background:var(--rd-signal);width:100%}#ria-study .rd-chart-foot{color:var(--rd-muted);justify-content:space-between;gap:8px;font-size:8px;display:flex}#ria-study .rd-proof-stats{border-top:1px solid var(--rd-line);border-bottom:1px solid var(--rd-line);grid-template-columns:repeat(3,1fr);margin-top:28px;display:grid}#ria-study .rd-proof-stats div{border-right:1px solid var(--rd-line);padding:14px 0 16px}#ria-study .rd-proof-stats div+div{padding-left:18px}#ria-study .rd-proof-stats div:last-child{border:0}#ria-study .rd-proof-stats strong{letter-spacing:-1px;font-size:26px;display:block}#ria-study .rd-proof-stats span{color:var(--rd-muted);font-size:10px}#ria-study .rd-caption{color:var(--rd-muted);max-width:300px;margin-top:15px;font-size:10px}#ria-study .rd-chapter-strip{border-top:1px solid var(--rd-ink);border-bottom:1px solid var(--rd-ink);grid-template-columns:1fr 2fr;align-items:center;gap:25px;padding:17px 38px;display:grid}#ria-study .rd-chapter-strip>span{letter-spacing:1px;font-size:9px;font-weight:700}#ria-study .rd-chapter-strip p{color:var(--rd-muted);font-size:11px}#ria-study .rd-work{padding:44px 38px 42px}#ria-study .rd-section-head{grid-template-columns:1.4fr 1fr;align-items:end;gap:60px;margin-bottom:26px;display:grid}#ria-study h2{letter-spacing:-1.7px;font-size:34px;font-weight:650;line-height:1.1}#ria-study .rd-section-head>p{color:var(--rd-muted);font-size:12px;line-height:1.7}#ria-study .rd-case-tabs{border-top:1px solid var(--rd-ink);border-bottom:1px solid var(--rd-ink);grid-template-columns:repeat(3,1fr);margin-bottom:28px;display:grid}#ria-study .rd-case-tabs button{color:var(--rd-muted);border:0;border-right:1px solid var(--rd-line);text-align:left;background:0 0;align-items:center;gap:10px;min-height:50px;padding:14px 12px;font-size:10px;font-weight:550;display:flex}#ria-study .rd-case-tabs button:last-child{border-right:0}#ria-study .rd-case-tabs button[aria-selected=true]{background:var(--rd-ink);color:var(--rd-paper)}#ria-study .rd-case-tabs button span{opacity:.7;font-size:9px}#ria-study .rd-case-tabs button b{margin-left:auto}#ria-study .rd-case-layout{grid-template-columns:.9fr 1.2fr;gap:34px;display:grid}#ria-study .rd-case-title{letter-spacing:-.9px;margin:16px 0;font-size:25px;font-weight:650;line-height:1.15}#ria-study .rd-case-intro{color:var(--rd-muted);font-size:11px;line-height:1.75}#ria-study .rd-case-result{border-top:1px solid var(--rd-line);margin:24px 0 20px;padding-top:16px}#ria-study .rd-case-result strong{letter-spacing:-1px;font-size:27px;line-height:1.1;display:block}#ria-study .rd-case-result>span{color:var(--rd-muted);margin-top:6px;font-size:10px;display:block}#ria-study .rd-decision>span{letter-spacing:1px;color:var(--rd-muted);font-size:8px;font-weight:650}#ria-study .rd-decision p{margin-top:7px;font-size:11px;line-height:1.6}#ria-study details{border-top:1px solid var(--rd-line)}#ria-study summary{justify-content:space-between;align-items:center;gap:12px;padding:12px 0;font-size:10px;font-weight:600;list-style:none;display:flex}#ria-study summary::-webkit-details-marker{display:none}#ria-study details p{color:var(--rd-muted);padding-bottom:12px;font-size:10px;line-height:1.7}#ria-study .rd-measurement{margin-top:18px}#ria-study .rd-journey-panel{background:var(--rd-soft);min-height:365px;padding:18px 18px 15px}#ria-study .rd-journey-top{letter-spacing:.8px;justify-content:space-between;align-items:center;font-size:8px;display:flex}#ria-study .rd-brand-label{color:light-dark(#073c92,#9abdf5);letter-spacing:-.8px;font-size:17px;font-weight:800}#ria-study .rd-touchpoint{justify-content:center;align-items:center;gap:12px;height:190px;display:flex}#ria-study .rd-store{flex-shrink:0;width:85px}#ria-study .rd-store-roof{clip-path:polygon(7% 0,93% 0,100% 100%,0 100%);background:repeating-linear-gradient(90deg,#0b418d 0 13px,#e5edfa 13px 26px);height:18px}#ria-study .rd-store-body{border:1px solid var(--rd-line);background:var(--rd-white);text-align:center;height:70px;padding:8px 4px 0}#ria-study .rd-store-body>span{color:light-dark(#0b418d,#96b9f4);font-size:7px;font-weight:700}#ria-study .rd-store-body>div{background:var(--rd-soft);border:1px solid var(--rd-line);width:22px;height:36px;margin:9px auto 0}#ria-study .rd-receipt{background:var(--rd-white);clip-path:polygon(0 0,100% 0,100% 97%,90% 100%,80% 97%,70% 100%,60% 97%,50% 100%,40% 97%,30% 100%,20% 97%,10% 100%,0 97%);width:89px;min-height:132px;padding:10px 8px;transform:rotate(-5deg);box-shadow:0 2px 5px #0001}#ria-study .rd-receipt>span{color:var(--rd-muted);letter-spacing:.5px;font-size:6px}#ria-study .rd-receipt>div{background:var(--rd-line);height:3px;margin-top:5px}#ria-study .rd-receipt strong{margin-top:13px;font-size:12px;line-height:1.2;display:block}#ria-study .rd-receipt p{color:var(--rd-muted);margin-top:4px;font-size:7px}#ria-study .rd-receipt svg{width:14px;height:14px;margin-top:7px}#ria-study .rd-touch-arrow{color:var(--rd-muted)}#ria-study .rd-mini-phone{background:var(--rd-white);border:3px solid var(--rd-ink);border-radius:17px;flex-shrink:0;width:105px;height:172px;padding:9px 9px 10px}#ria-study .rd-phone-island{background:var(--rd-ink);border-radius:5px;width:32px;height:5px;margin:0 auto 14px}#ria-study .rd-mini-phone p{color:var(--rd-muted);font-size:6px}#ria-study .rd-mini-phone strong{letter-spacing:-.2px;margin-top:8px;font-size:12px;line-height:1.15;display:block}#ria-study .rd-mini-phone>div:not(.rd-phone-island){color:var(--rd-signal-ink);background:var(--rd-signal);text-align:center;margin-top:16px;padding:7px 3px;font-size:6px}#ria-study .rd-mini-phone>span{color:var(--rd-muted);text-align:center;margin-top:8px;font-size:6px;display:block}#ria-study .rd-stage-path{border-top:1px solid var(--rd-line);justify-content:space-between;gap:6px;padding-top:14px;display:flex}#ria-study .rd-stage-path>div{flex:1}#ria-study .rd-stage-path b{color:var(--rd-muted);font-size:8px;font-weight:450;display:block}#ria-study .rd-stage-path span{margin-top:3px;font-size:8px;font-weight:600;line-height:1.2;display:block}#ria-study .rd-stage-path>i{color:var(--rd-muted);align-self:end;font-size:10px;font-style:normal}#ria-study .rd-channel-rail{letter-spacing:.7px;color:var(--rd-muted);flex-wrap:wrap;gap:10px;margin-top:20px;font-size:6px;display:flex}#ria-study .rd-diagram-note{color:var(--rd-muted);margin-top:10px;font-size:7px}#ria-study .rd-evidence-band{border-top:1px solid var(--rd-ink);border-bottom:1px solid var(--rd-ink);grid-template-columns:repeat(3,1fr);display:grid}#ria-study .rd-evidence-band>div{border-right:1px solid var(--rd-line);padding:25px 27px}#ria-study .rd-evidence-band>div:last-child{border:0}#ria-study .rd-evidence-band p{letter-spacing:1px;color:var(--rd-muted);font-size:8px}#ria-study .rd-evidence-band strong{letter-spacing:-1px;margin:10px 0;font-size:25px;display:block}#ria-study .rd-evidence-band span{color:var(--rd-muted);font-size:10px}#ria-study .rd-bridge{grid-template-columns:1fr 1.3fr;gap:14px 70px;padding:50px 38px;display:grid}#ria-study .rd-bridge>span{letter-spacing:1px;color:var(--rd-orange);grid-column:1/-1;font-size:8px;font-weight:600}#ria-study .rd-bridge p{max-width:330px;color:var(--rd-muted);align-self:end;font-size:12px;line-height:1.7}#ria-study .rd-study{border-top:1px solid var(--rd-ink);padding:42px 38px}#ria-study .rd-study .rd-kicker{color:var(--rd-orange);margin-bottom:18px}#ria-study .rd-ria-dot{background:var(--rd-orange);border-radius:50%;width:7px;height:7px;display:inline-block}#ria-study .rd-study .rd-section-head{grid-template-columns:1.5fr 1fr;gap:40px}#ria-study .rd-test-strip{letter-spacing:.6px;border-top:1px solid var(--rd-line);border-bottom:1px solid var(--rd-line);color:var(--rd-muted);justify-content:space-between;gap:12px;padding:12px 0;font-size:8px;display:flex}#ria-study .rd-quote-grid{grid-template-columns:repeat(4,1fr);margin:24px 0;display:grid}#ria-study .rd-surface{border-right:1px solid var(--rd-line);min-width:0;padding:0 15px 0 0}#ria-study .rd-surface+.rd-surface{padding-left:15px}#ria-study .rd-surface:last-child{border:0;padding-right:0}#ria-study .rd-surface-number{border:1px solid var(--rd-line);width:20px;height:20px;color:var(--rd-muted);border-radius:50%;justify-content:center;align-items:center;font-size:8px;display:flex}#ria-study .rd-surface p{margin:12px 0;font-size:11px;font-weight:550;line-height:1.4}#ria-study .rd-surface>strong{letter-spacing:-1px;margin-bottom:14px;font-size:31px;font-weight:600;display:block}#ria-study .rd-surface>strong>span{font-size:20px}#ria-study .rd-surface-conflict>strong{color:var(--rd-orange)}#ria-study .rd-surface>div{border-top:1px solid var(--rd-line);flex-wrap:wrap;justify-content:space-between;gap:5px;padding:7px 0;font-size:8px;display:flex}#ria-study .rd-surface>div>span{color:var(--rd-muted)}#ria-study .rd-surface small{color:var(--rd-muted);margin-top:12px;font-size:8px;line-height:1.5;display:block}#ria-study .rd-finding{border-top:1px solid var(--rd-line);grid-template-columns:1fr 1fr;gap:25px;padding:20px 0;display:grid}#ria-study .rd-finding>div{gap:11px;display:flex}#ria-study .rd-finding p{color:var(--rd-muted);font-size:10px;line-height:1.7}#ria-study .rd-finding b{color:var(--rd-ink);font-weight:600}#ria-study .rd-signal-marker,#ria-study .rd-question-marker{background:var(--rd-signal);width:22px;height:22px;color:var(--rd-signal-ink);flex-shrink:0;place-items:center;font-size:12px;display:grid}#ria-study .rd-question-marker{background:var(--rd-soft);color:var(--rd-orange)}#ria-study .rd-bet{color:#f1f3e9;background:#151711;grid-template-columns:1fr 1.08fr;gap:55px;padding:45px 38px;display:grid}#ria-study .rd-bet h2{letter-spacing:-2px;margin-top:23px;font-size:45px}#ria-study .rd-bet-copy>p:not(.rd-kicker){color:#b3b8a8;max-width:320px;margin-top:22px;font-size:12px;line-height:1.7}#ria-study .rd-bet-point{border-top:1px solid #3f4435;gap:14px;margin-top:17px;padding-top:14px;display:flex}#ria-study .rd-bet-point>span{color:#a8b185;font-size:9px}#ria-study .rd-bet-point p{color:#b3b8a8;font-size:10px;line-height:1.7}#ria-study .rd-bet-point b{color:#f1f3e9;font-weight:600}#ria-study .rd-offer-demo{align-self:center;min-width:0}#ria-study .rd-demo-top{color:#b3b8a8;letter-spacing:.7px;justify-content:space-between;font-size:8px;display:flex}#ria-study .rd-demo-state{gap:3px;margin:13px 0 15px;display:flex}#ria-study .rd-demo-state button{color:#b3b8a8;background:0 0;border:1px solid #535c44;flex:1;padding:7px 8px;font-size:8px}#ria-study .rd-demo-state button[aria-pressed=true]{color:#172000;background:#d8ff52;border-color:#d8ff52}#ria-study .rd-demo-quote{color:#141711;background:#f7f8f2;border-radius:5px;padding:20px}#ria-study .rd-demo-route{color:#65705a;letter-spacing:.4px;justify-content:space-between;font-size:8px;display:flex}#ria-study .rd-demo-money{justify-content:space-between;align-items:center;gap:7px;margin:25px 0;display:flex}#ria-study .rd-demo-money>span{color:#59634f;font-size:9px}#ria-study .rd-demo-money strong{letter-spacing:-.7px;color:#12160d;white-space:nowrap;margin-top:4px;font-size:22px;font-weight:600;display:block}#ria-study .rd-demo-money>b{color:#7a856d;font-size:19px}#ria-study .rd-benefit{border-top:1px solid #d4d8c9;justify-content:space-between;align-items:center;gap:8px;padding:13px 0;display:flex}#ria-study .rd-benefit>div{align-items:center;gap:9px;display:flex}#ria-study .rd-check{color:#172000;background:#d8ff52;border-radius:50%;flex-shrink:0;place-items:center;width:19px;height:19px;font-size:11px;display:grid}#ria-study .rd-benefit b{font-size:10px;font-weight:600;display:block}#ria-study .rd-benefit div div span{color:#65705a;margin-top:3px;font-size:9px;display:block}#ria-study .rd-benefit>strong{white-space:nowrap;font-size:8px;font-weight:550}#ria-study .rd-demo-total{border-top:1px solid #929c80;justify-content:space-between;align-items:baseline;padding-top:17px;font-size:11px;display:flex}#ria-study .rd-demo-total strong{letter-spacing:-1px;font-size:28px;font-weight:650}#ria-study .rd-demo-message{color:#65705a;min-height:30px;margin-top:9px;font-size:9px;line-height:1.6}#ria-study .rd-demo-continue{color:#f7f8f2;background:#171c11;border:0;justify-content:space-between;align-items:center;width:100%;margin-top:12px;padding:11px 12px;font-size:10px;display:flex}#ria-study .rd-demo-caption{color:#65705a;margin-top:10px;font-size:8px;line-height:1.5}#ria-study .rd-agent-section{padding:44px 38px}#ria-study .rd-agent-section .rd-kicker{color:var(--rd-muted);margin-bottom:16px}#ria-study .rd-platforms{border-top:1px solid var(--rd-ink);border-bottom:1px solid var(--rd-line);grid-template-columns:repeat(4,1fr);display:grid}#ria-study .rd-platforms>div{border-right:1px solid var(--rd-line);padding:16px 12px}#ria-study .rd-platforms>div:first-child{padding-left:0}#ria-study .rd-platforms>div:last-child{border-right:0}#ria-study .rd-platforms b{font-size:11px;display:block}#ria-study .rd-platforms span{color:var(--rd-muted);margin-top:5px;font-size:8px;line-height:1.5;display:block}#ria-study .rd-contract{background:var(--rd-soft);margin:14px 0 20px;padding:22px 18px}#ria-study .rd-contract>span{letter-spacing:.8px;color:var(--rd-muted);margin-bottom:9px;font-size:8px;display:block}#ria-study .rd-contract strong{letter-spacing:-.3px;font-size:16px;font-weight:550}#ria-study .rd-agent-bottom{grid-template-columns:1fr 1fr;gap:32px;display:grid}#ria-study .rd-agent-bottom>p{color:var(--rd-muted);font-size:10px;line-height:1.7}#ria-study .rd-agent-bottom>p b{color:var(--rd-ink)}#ria-study .rd-pilot{border-top:1px solid var(--rd-ink);margin-top:29px;padding-top:18px}#ria-study .rd-pilot>span{letter-spacing:1px;color:var(--rd-muted);font-size:8px}#ria-study .rd-pilot>div{justify-content:space-between;align-items:center;gap:10px;margin:15px 0;font-size:10px;display:flex}#ria-study .rd-pilot b{font-weight:550}#ria-study .rd-pilot i{color:var(--rd-muted);font-style:normal}#ria-study .rd-pilot p{color:var(--rd-muted);font-size:9px}#ria-study .rd-footer{background:var(--rd-signal);color:var(--rd-signal-ink);grid-template-columns:1.4fr 1fr;gap:40px;padding:35px 38px;display:grid}#ria-study .rd-footer p{letter-spacing:1px;margin-bottom:16px;font-size:8px;font-weight:600}#ria-study .rd-footer h2{font-size:31px}#ria-study .rd-footer>div+div{flex-direction:column;justify-content:end;gap:5px;font-size:10px;display:flex}#ria-study .rd-footer>div+div strong{letter-spacing:-.3px;font-size:15px}#ria-study .rd-footer a{text-underline-offset:3px;margin-top:16px;text-decoration:underline}#ria-study .rd-proposal-note{color:var(--rd-muted);border-top:1px solid var(--rd-ink);padding:12px 38px;font-size:8px}@container (width<=680px){#ria-study .rd-nav{gap:15px;padding:20px}#ria-study .rd-links{gap:13px;font-size:10px}#ria-study .rd-edition{display:none}#ria-study .rd-hero{grid-template-columns:1fr;gap:36px;padding:34px 20px}#ria-study h1{letter-spacing:-3px;font-size:58px}#ria-study .rd-deck{max-width:430px}#ria-study .rd-proof{max-width:500px}#ria-study .rd-chapter-strip{grid-template-columns:1fr;gap:6px;padding:15px 20px}#ria-study .rd-work,#ria-study .rd-study,#ria-study .rd-agent-section{padding:33px 20px}#ria-study .rd-section-head,#ria-study .rd-study .rd-section-head{grid-template-columns:1fr;gap:16px}#ria-study h2{font-size:31px}#ria-study .rd-case-tabs{grid-template-columns:1fr}#ria-study .rd-case-tabs button{border-right:0;border-bottom:1px solid var(--rd-line);min-height:44px}#ria-study .rd-case-tabs button:last-child{border-bottom:0}#ria-study .rd-case-layout{grid-template-columns:1fr;gap:25px}#ria-study .rd-journey-panel{min-height:330px;padding:15px 12px}#ria-study .rd-touchpoint{gap:9px}#ria-study .rd-receipt{width:74px}#ria-study .rd-store{width:64px}#ria-study .rd-mini-phone{width:91px;height:163px}#ria-study .rd-evidence-band{grid-template-columns:1fr}#ria-study .rd-evidence-band>div{border-right:0;border-bottom:1px solid var(--rd-line);padding:20px}#ria-study .rd-evidence-band strong{margin:7px 0;font-size:29px}#ria-study .rd-bridge{grid-template-columns:1fr;gap:16px;padding:34px 20px}#ria-study .rd-bridge p{max-width:100%}#ria-study .rd-test-strip{flex-wrap:wrap;justify-content:start;gap:8px 17px}#ria-study .rd-quote-grid{grid-template-columns:1fr 1fr;row-gap:25px}#ria-study .rd-surface:nth-child(2){border-right:0}#ria-study .rd-surface:nth-child(3){padding-left:0}#ria-study .rd-finding{grid-template-columns:1fr;gap:16px}#ria-study .rd-bet{grid-template-columns:1fr;gap:30px;padding:34px 20px}#ria-study .rd-bet h2{font-size:43px}#ria-study .rd-bet-copy>p:not(.rd-kicker){max-width:100%}#ria-study .rd-platforms{grid-template-columns:1fr 1fr}#ria-study .rd-platforms>div{border-bottom:1px solid var(--rd-line)}#ria-study .rd-platforms>div:nth-child(2){border-right:0}#ria-study .rd-platforms>div:nth-child(3){border-bottom:0;padding-left:0}#ria-study .rd-platforms>div:last-child{border-bottom:0}#ria-study .rd-agent-bottom{grid-template-columns:1fr;gap:16px}#ria-study .rd-contract strong{font-size:14px;line-height:1.7;display:block}#ria-study .rd-pilot>div{flex-wrap:wrap;justify-content:start;row-gap:10px}#ria-study .rd-footer{grid-template-columns:1fr;gap:24px;padding:30px 20px}#ria-study .rd-proposal-note{padding:12px 20px}}#ria-study .rd-offer-explainer{border-bottom:1px solid var(--rd-line);grid-template-columns:1.3fr 1fr;gap:25px;padding:20px 0;display:grid}#ria-study .rd-offer-explainer span{letter-spacing:.7px;color:var(--rd-muted);font-size:8px;display:block}#ria-study .rd-offer-explainer strong{letter-spacing:-.4px;margin-top:8px;font-size:18px;font-weight:550;display:block}#ria-study .rd-offer-explainer p{color:var(--rd-muted);margin-top:6px;font-size:9px;line-height:1.6}@container (width<=680px){#ria-study .rd-offer-explainer{grid-template-columns:1fr;gap:18px}}#ria-study [hidden]{display:none!important}#ria-study .rd-wallet-journey{flex-wrap:wrap;justify-content:center;align-items:center;gap:13px;padding-top:20px;padding-bottom:15px;display:flex}#ria-study .rd-wallet-phone{border:2px solid var(--rd-ink);background:var(--rd-white);border-radius:13px;width:123px;min-height:186px;overflow:hidden}#ria-study .rd-wallet-header{color:#fff;letter-spacing:-.7px;background:#6b2483;padding:15px 10px 12px;font-size:22px;font-weight:700}#ria-study .rd-wallet-header span{letter-spacing:0;margin-top:5px;font-size:6px;font-weight:400;display:block}#ria-study .rd-wallet-phone>p{padding:11px 8px 4px;font-size:7px}#ria-study .rd-wallet-options{grid-template-columns:1fr 1fr;gap:5px;padding:5px 8px;display:grid}#ria-study .rd-wallet-options>*{text-align:center;background:var(--rd-soft);padding:8px 2px;font-size:7px;font-weight:450}#ria-study .rd-wallet-options>strong{color:#172000;background:#d8ff52;font-weight:650}#ria-study .rd-wallet-phone>small{color:var(--rd-muted);text-align:center;padding:5px 0 8px;font-size:6px;display:block}#ria-study .rd-embedded-header{color:#0b418d;letter-spacing:-1px;border-bottom:1px solid var(--rd-line);padding:14px 10px;font-size:19px;font-weight:800}#ria-study .rd-embedded-header span{letter-spacing:0;color:#6b2483;font-size:9px;font-weight:500}#ria-study .rd-embedded-content{padding:12px 9px 7px}#ria-study .rd-embedded-content>span{color:var(--rd-muted);letter-spacing:.5px;font-size:5px}#ria-study .rd-embedded-content>strong{letter-spacing:-.3px;margin-top:6px;font-size:13px;line-height:1.2;display:block}#ria-study .rd-embedded-content p{color:var(--rd-muted);margin-top:8px;font-size:6px}#ria-study .rd-embedded-content>div{text-align:center;color:#fff;background:#0b418d;margin-top:8px;padding:6px;font-size:7px}#ria-study .rd-wallet-arrow{color:var(--rd-muted)}#ria-study .rd-build-choices{flex-basis:100%;justify-content:center;gap:6px;margin-top:5px;font-size:7px;display:flex}#ria-study .rd-build-choices>*{border:1px solid var(--rd-line);color:var(--rd-muted);padding:4px 8px;font-weight:500}#ria-study .rd-build-choices>b{background:var(--rd-signal);color:var(--rd-signal-ink);border-color:#0000}#ria-study .rd-signing-journey{padding:22px 0 16px}#ria-study .rd-signing-journey>span{color:var(--rd-muted);letter-spacing:.8px;font-size:7px}#ria-study .rd-signing-comparison{align-items:center;gap:20px;margin:13px 0 18px;display:flex}#ria-study .rd-signing-comparison>div{flex:1}#ria-study .rd-signing-comparison small{color:var(--rd-muted);font-size:7px;display:block}#ria-study .rd-signing-comparison strong{letter-spacing:-1px;font-size:30px;font-weight:650;display:block}#ria-study .rd-signing-comparison>div:last-child strong{background:var(--rd-signal);color:var(--rd-signal-ink);padding-left:6px}#ria-study .rd-agreement{background:var(--rd-white);padding:0 10px}#ria-study .rd-agreement>div{border-bottom:1px solid var(--rd-line);align-items:center;gap:12px;padding:9px 0;font-size:9px;display:flex}#ria-study .rd-agreement>div:last-child{border:0}#ria-study .rd-agreement span{color:var(--rd-muted);font-size:7px}#ria-study .rd-agreement b{font-weight:500}#ria-study .rd-agreement i{margin-left:auto;font-style:normal}#ria-study .rd-signing-journey>p{color:var(--rd-muted);justify-content:space-between;margin-top:9px;font-size:7px;display:flex}#ria-study .rd-signing-journey>p b{color:var(--rd-ink);font-weight:550}@font-face{font-family:Inter;src:url(/assets/ria/InterVariable.woff2)format("woff2");font-style:normal;font-weight:100 900;font-display:swap}html{color-scheme:light;scroll-behavior:smooth;background:#ecece5}body{margin:0;font-family:Inter,Arial,sans-serif}button,a,summary{-webkit-tap-highlight-color:transparent}button{font-family:inherit}a:focus-visible,button:focus-visible,summary:focus-visible{outline-offset:5px;outline:3px solid #ff6100}.ria-skip{z-index:20;color:#fff;background:#00458c;padding:12px;position:fixed;top:-80px;left:16px}.ria-skip:focus{top:12px}#ria-study{--rd-paper:#f7f7f2;--rd-ink:#11120f;--rd-muted:#5c6057;--rd-line:#cdd0c3;--rd-white:#fff;--rd-soft:#edeee7;--rd-signal:#00458c;--rd-signal-ink:#fff;--rd-orange:#cc4b00;background:var(--rd-paper);max-width:1320px;margin:0 auto;container-type:inline-size}#ria-study .rd-page{border:0;width:100%;max-width:none;margin:0}#ria-study .rd-nav{padding:28px 48px}#ria-study .rd-links{font-size:13px}#ria-study .rd-edition{align-items:center;gap:10px;font-size:10px;display:flex}#ria-study .rd-hero{gap:55px;padding:64px 48px 66px}#ria-study h1{letter-spacing:-.06em;font-size:clamp(60px,6.4vw,88px);line-height:.99}#ria-study h1>span{color:#00458c}#ria-study .rd-deck{max-width:440px;font-size:16px;line-height:1.75}#ria-study .rd-kicker{font-size:10px;line-height:1.5}#ria-study .rd-proof{background:#edf3f8;border-color:#b8ccdf;padding:30px}#ria-study .rd-proof-top{align-items:center;font-size:10px}#ria-study .ria-hero-brand{align-items:center;gap:12px;display:flex}#ria-study .ria-hero-brand img{width:78px;height:auto}#ria-study .rd-chart-title{font-size:26px}#ria-study .rd-bar-label{font-size:12px}#ria-study .rd-bar-label b{font-size:26px}#ria-study .rd-after{background:#00458c}#ria-study .rd-before{background:#e65a00}#ria-study .rd-proof-stats strong{font-size:32px}#ria-study .rd-proof-stats span,#ria-study .rd-chart-foot,#ria-study .rd-caption{font-size:11px;line-height:1.6}#ria-study .rd-chapter-strip{padding:20px 48px}#ria-study .rd-chapter-strip p{font-size:13px}#ria-study .rd-work,#ria-study .rd-study,#ria-study .rd-agent-section,.ria-review-lens{padding:56px 48px}#ria-study h2{font-size:clamp(32px,3.2vw,44px)}#ria-study .rd-section-head>p{max-width:430px;font-size:14px;line-height:1.75}#ria-study .rd-evidence-band strong{color:#00458c;font-size:38px}#ria-study .rd-evidence-band span,#ria-study .rd-evidence-band p{font-size:11px}#ria-study .rd-bridge{color:#fff;background:#00458c;padding:42px 48px}#ria-study .rd-bridge p{color:#dce7f2;font-size:15px}#ria-study .rd-bridge h2{color:#fff}#ria-study .rd-study,#ria-study .rd-bet,#ria-study .rd-agent-section,.ria-review-lens{--rd-signal:#ff6100;--rd-signal-ink:#11120f;--rd-orange:#b54400}#ria-study .rd-ria-dot{background:#ff6100}#ria-study .rd-test-strip{font-size:11px}#ria-study .rd-offer-explainer span{font-size:10px}#ria-study .rd-offer-explainer strong{font-size:22px}#ria-study .rd-offer-explainer p{font-size:13px}#ria-study .rd-surface p{font-size:15px;line-height:1.45}#ria-study .rd-surface>strong{font-size:38px}#ria-study .rd-surface>div{font-size:12px}#ria-study .rd-surface small{font-size:11px;line-height:1.6}#ria-study .rd-surface-number{font-size:11px}#ria-study .rd-finding p{font-size:13px;line-height:1.7}#ria-study .rd-evidence-detail{margin-top:28px;font-size:13px}#ria-study .rd-evidence-detail summary{align-items:center;min-height:44px;font-size:13px}#ria-study .rd-evidence-detail p{max-width:960px;font-size:12px;line-height:1.8}#ria-study .rd-evidence-detail a{color:inherit;text-underline-offset:4px}#ria-study .rd-bet{background:#fff0e5;gap:60px;padding:56px 48px}#ria-study .rd-bet-copy>p:not(.rd-kicker){font-size:15px;line-height:1.75}#ria-study .rd-bet-point p{font-size:13px;line-height:1.65}#ria-study .rd-bet-point>span{font-size:11px}#ria-study .rd-demo-top{align-items:center;font-size:10px}#ria-study .rd-demo-state button{min-height:44px;font-size:11px}#ria-study .rd-demo-route{font-size:10px}#ria-study .rd-demo-money>span{font-size:12px}#ria-study .rd-demo-money strong{font-size:26px}#ria-study .rd-benefit b{font-size:13px}#ria-study .rd-benefit span:not(.rd-check){font-size:11px;line-height:1.5}#ria-study .rd-benefit>strong{font-size:10px}#ria-study .rd-demo-total>span{font-size:13px}#ria-study .rd-demo-total>strong{font-size:32px}#ria-study .rd-demo-message{min-height:48px;font-size:12px}#ria-study .rd-demo-continue{min-height:48px;font-size:13px}#ria-study .rd-demo-caption{font-size:10px;line-height:1.6}.rd-review-example{border-top:1px solid #d4c0ad;margin-top:16px;padding-top:16px;font-size:13px}.rd-review-example p{line-height:1.7}.rd-review-example small{color:#5c6057;font-size:11px;line-height:1.6}#ria-study .rd-platforms b{font-size:15px}#ria-study .rd-platforms span{font-size:12px}#ria-study .rd-agent-bottom p,#ria-study .rd-agent-bottom summary,#ria-study .rd-agent-bottom details p{font-size:12px;line-height:1.8}#ria-study .rd-contract>span,#ria-study .rd-pilot>span{font-size:10px}#ria-study .rd-pilot>div{font-size:14px}#ria-study .rd-pilot p{font-size:12px;line-height:1.8}#ria-study .rd-footer{--rd-signal:#ff6100;--rd-signal-ink:#16110c;padding:44px 48px}#ria-study .rd-footer p{font-size:10px}#ria-study .rd-footer>div+div{font-size:13px}#ria-study .rd-proposal-note{padding:18px 48px;font-size:10px;line-height:1.8}.ria-evidence-gallery{margin-top:36px}.ria-gallery-heading{justify-content:space-between;align-items:center;gap:16px;margin-bottom:18px;display:flex}.ria-gallery-heading h3{letter-spacing:-.04em;margin:0;font-size:22px;font-weight:600}.ria-gallery-heading>span{color:#5c6057;letter-spacing:.08em;font-size:9px}.ria-gallery-layout{grid-template-columns:240px minmax(0,1fr);gap:24px;display:grid}.ria-capture-list{flex-direction:column;gap:4px;display:flex}.ria-capture-list button{text-align:left;color:#4d5149;cursor:pointer;background:0 0;border:0;border-bottom:1px solid #d2d1c6;align-items:center;gap:10px;min-height:52px;padding:16px 12px;font-size:12px;display:flex}.ria-capture-list button[aria-pressed=true]{color:#16110c;background:#ff6100}.ria-capture-list button>span{opacity:.7;font-size:9px}.ria-capture-list button>b{margin-left:auto;font-weight:400}.ria-gallery-layout figure{min-width:0;margin:0}.ria-browser-frame{background:#e4e5df;border:1px solid #c7c9bf;border-radius:12px;overflow:hidden}.ria-browser-toolbar{background:#e4e5df;align-items:center;gap:5px;height:33px;padding:0 12px;display:flex}.ria-browser-toolbar i{border:1px solid #92968b;border-radius:50%;width:7px;height:7px}.ria-browser-toolbar>span{color:#62655b;letter-spacing:.08em;margin-left:auto;font-size:8px}.ria-browser-frame>a{background:#fff;display:block}.ria-browser-frame img{object-fit:contain;object-position:center;background:#fff;width:100%;height:490px;display:block}.ria-gallery-layout figcaption{color:#555a50;padding-top:13px;font-size:12px;line-height:1.8}.ria-gallery-layout figcaption b{color:#1c201a}.ria-gallery-layout figcaption a{color:#9d3800;text-underline-offset:3px;white-space:nowrap}.ria-gallery-note{color:#65695f;margin:18px 0 0;font-size:10px}.ria-review-lens{background:#efefe8;border-top:1px solid #cdd0c3}.ria-review-stats{border-block:1px solid #cdd0c3;grid-template-columns:1.4fr 1fr 1fr;margin:30px 0;padding:25px 0;display:grid}.ria-review-stats>div{border-right:1px solid #cdd0c3;padding-left:24px}.ria-review-stats>div:first-child{padding-left:0}.ria-review-stats>div:last-child{border:0}.ria-review-stats strong{letter-spacing:-.06em;font-size:40px;font-weight:600;line-height:1.2;display:block}.ria-review-stats span{color:#62655b;font-size:11px}.ria-review-layout{grid-template-columns:1.35fr 1fr;gap:60px;display:grid}.ria-review-chart h3{letter-spacing:-.025em;margin:0 0 8px;font-size:17px}.ria-chart-context{color:#5e6258;font-size:11px;line-height:1.8}.ria-review-population{flex-wrap:wrap;gap:8px 16px;padding:12px 0;font-size:10px;line-height:1.8;display:flex}.ria-review-population b{font-variant-numeric:tabular-nums}.ria-topic-bars{gap:15px;margin:18px 0;display:grid}.ria-topic-bars>div>div:first-child{justify-content:space-between;gap:10px;font-size:12px;display:flex}.ria-topic-bars small{color:#64685d;font-size:10px;font-weight:400}.ria-topic-track{background:#dbded1;height:8px;margin-top:7px;overflow:hidden}.ria-topic-track>div{background:#df5704;height:100%}.ria-review-decision{border-left:1px solid #c5c8bb;padding-left:30px}.ria-review-decision h3{letter-spacing:-.05em;margin:16px 0 20px;font-size:32px;font-weight:550;line-height:1.1}.ria-review-decision>p:not(.ria-chart-context):not(.rd-kicker),.ria-review-decision li{font-size:13px;line-height:1.8}.ria-review-decision ol{padding-left:17px}.ria-review-decision li{margin:10px 0}.ria-agent-flow{align-items:start;gap:15px;padding:24px 0;display:flex}.ria-agent-flow>div{background:#eeeee7;border-top:2px solid #ff6100;flex:1;min-width:0;padding:16px 12px}.ria-agent-flow>div>span{color:#666a60;font-size:9px}.ria-agent-flow b{margin-top:10px;font-size:13px;display:block}.ria-agent-flow p{color:#5c6057;font-size:11px;line-height:1.7}.ria-agent-flow>i{color:#6c7066;padding-top:40px;font-style:normal}.ria-source-notes{border-top:1px solid #cdd0c3;padding:28px 48px}.ria-source-notes h3{margin:0 0 8px;font-size:13px}.ria-source-notes p{color:#5c6057;max-width:1000px;font-size:11px;line-height:1.8}.ria-source-notes a{color:#34382f;text-underline-offset:3px;margin-top:8px;margin-right:20px;font-size:11px;display:inline-block}@container (width<=760px){#ria-study .rd-nav{padding:22px}#ria-study .rd-links{gap:14px;font-size:11px}#ria-study .rd-edition{display:none}#ria-study .rd-hero{grid-template-columns:1fr;gap:32px;padding:40px 22px}#ria-study h1{font-size:64px}#ria-study .rd-proof{max-width:none;padding:24px}#ria-study .rd-chapter-strip{padding:20px 22px}#ria-study .rd-work,#ria-study .rd-study,#ria-study .rd-agent-section,.ria-review-lens{padding:38px 22px}#ria-study .rd-bridge{padding:34px 22px}#ria-study .rd-evidence-band strong{font-size:32px}#ria-study .rd-section-head{grid-template-columns:1fr;gap:20px}#ria-study .rd-quote-grid{grid-template-columns:1fr 1fr;gap:26px 0}#ria-study .rd-surface>strong{font-size:32px}#ria-study .rd-surface>div{font-size:10px}#ria-study .rd-surface p{font-size:13px}#ria-study .rd-bet{grid-template-columns:1fr;gap:30px;padding:38px 22px}#ria-study .rd-bet h2{font-size:43px}#ria-study .rd-footer{padding:36px 22px}#ria-study .rd-proposal-note{padding:18px 22px}.ria-gallery-heading{flex-direction:column;align-items:start;gap:8px}.ria-gallery-layout{grid-template-columns:1fr;gap:18px}.ria-capture-list{grid-template-columns:1fr 1fr;gap:4px;display:grid}.ria-capture-list button{min-height:54px;padding:10px;font-size:10px}.ria-browser-frame img{height:420px}.ria-review-stats{grid-template-columns:1fr 1fr;row-gap:20px}.ria-review-stats>div:first-child{border:0;grid-column:span 2}.ria-review-stats>div:nth-child(2){padding-left:0}.ria-review-stats strong{font-size:34px}.ria-review-layout{grid-template-columns:1fr;gap:32px}.ria-review-decision{border-top:1px solid #c5c8bb;border-left:0;padding:25px 0 0}.ria-agent-flow{grid-template-columns:1fr 1fr;gap:12px;display:grid}.ria-agent-flow>i{display:none}.ria-source-notes{padding:24px 22px}#ria-study .rd-pilot>div{gap:8px;font-size:12px}}.bcp-iphone-screen{border-radius:14.3132%/6.6094%;width:89.9538%;height:95.6349%;top:2.1825%;left:4.9076%}#ria-study .rd-bet{color:#11120f}#ria-study .rd-bet-copy>p:not(.rd-kicker),#ria-study .rd-bet-point p,#ria-study .rd-demo-top,#ria-study .rd-demo-state button{color:#5c6057}#ria-study .rd-bet-point b{color:#11120f}#ria-study .rd-bet-point>span{color:#9b3900}#ria-study .rd-demo-state button[aria-pressed=true],#ria-study .rd-check{color:#15110d;background:#ff6100;border-color:#ff6100}#ria-study .rd-demo-quote{background:#fff}#ria-study button{cursor:pointer}#ria-study .rd-bridge>span{color:#ffe3cb}.ria-topic-bars meter{-webkit-appearance:none;appearance:none;background:#dbded1;border:0;border-radius:0;width:100%;height:8px;margin-top:7px;display:block}.ria-topic-bars meter::-webkit-meter-bar{background:#dbded1;border:0;border-radius:0}.ria-topic-bars meter::-webkit-meter-optimum-value{background:#df5704;border-radius:0}.ria-topic-bars meter::-moz-meter-bar{background:#df5704}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition-duration:.01ms!important;animation-duration:.01ms!important}}