/* Unity Learning Center: scoped styles preserve the rest of the website. */
.unity-learning-page .utility-bar{position:relative;inset:auto}
.unity-learning-page .site-header{position:relative;inset:auto;background:#fff;padding:1.15rem 0;border-bottom:1px solid #e0e8ef}
.unity-learning-page .brand{padding:0;box-shadow:none}
.unity-learning-page .site-header nav{color:#062b57}
.unity-learning-page .site-header nav a:not(.nav-cta):hover{color:#0067d9}
.unity-learning-page .nav-cta{border-color:#0067d9;background:#0067d9;color:#fff}
.unity-learning-page .nav-cta:hover{background:#062b57;color:#fff}
.unity-learning-page .menu-button{border-color:#bbcad5}
.unity-learning-page .menu-button span:not(.sr-only){background:#062b57}
.unity-learning{--lc-teal:#087b76;--lc-soft:#f4f7fa;--lc-ink:#062b57;background:#fff}
.unity-learning [hidden]{display:none!important}
.unity-learning a:focus-visible,.unity-learning button:focus-visible,.unity-learning input:focus-visible,.unity-learning [tabindex]:focus-visible{outline:3px solid #007f78;outline-offset:5px}
.unity-learning :is(.lc-hero,.lr-hero,.lr-next) a:focus-visible{outline-color:#77e2d6}
.lc-shell{width:min(1180px,calc(100% - 3rem));margin-inline:auto}
.lc-kicker{color:#8de4d8;font:700 .73rem/1.5 var(--font-head);letter-spacing:.12em;text-transform:uppercase;margin:0 0 1.4rem}
.lc-kicker-dark{color:var(--lc-teal)}
.lc-kicker>span{display:inline-block;width:7px;height:7px;border-radius:50%;background:#8de4d8;margin:0 8px 1px 0}
.lc-hero{background:#062b57;color:#fff;overflow:hidden}
.lc-hero-grid{display:grid;grid-template-columns:1.28fr .85fr;gap:5rem;align-items:center;padding-block:4.5rem}
.lc-hero h1{font:800 clamp(2.8rem,4.3vw,4.7rem)/1.06 var(--font-head);letter-spacing:-.05em;margin:0 0 1.6rem}
.lc-hero h1 em{font-style:normal;color:#8de4d8}
.lc-intro{font-size:1.065rem;line-height:1.8;color:#d8e6f2;max-width:535px;margin:0 0 2rem}
.lc-hero-actions{display:flex;align-items:center;gap:1.3rem;flex-wrap:wrap}
.lc-button{display:inline-flex;align-items:center;justify-content:center;gap:.7rem;padding:.9rem 1.15rem;min-height:48px;background:#0067d9;border:1px solid transparent;border-radius:5px;color:#fff;text-decoration:none;font:600 .91rem/1.4 var(--font-body);cursor:pointer;transition:background .18s,box-shadow .18s}
.lc-button:hover{background:#004fa7;box-shadow:0 5px 15px #062b5720;color:#fff}
.lc-button svg{flex:none}
.lc-button-white{background:#fff;color:#062b57}
.lc-button-white:hover{background:#dff4ef;color:#062b57}
.lc-quiet-link{font-size:.86rem;font-weight:600;color:#fff;text-decoration-thickness:1px;text-underline-offset:5px}
.lc-file-type{font-size:.73rem;opacity:.8}
.lc-hero-facts{display:flex;margin-top:2.5rem;padding-top:1.8rem;border-top:1px solid #ffffff26;gap:2rem}
.lc-hero-facts>span{color:#bfd3e6;font-size:.76rem}
.lc-hero-facts strong{display:block;color:#fff;font:700 1.35rem/1.4 var(--font-head);margin-bottom:.25rem}
.lc-feature{background:#e8f1f4;color:#062b57;border-radius:10px;padding:1.25rem 1.4rem 1.3rem;position:relative;isolation:isolate}
.lc-feature-top{display:flex;justify-content:space-between;color:#476176;font:700 .68rem/1.5 var(--font-head);letter-spacing:.09em;text-transform:uppercase;margin-bottom:1.4rem}
.lc-feature-cover{display:block;position:relative;width:63%;margin:0 auto 1.7rem;transform:rotate(-5deg);transition:transform .2s}
.lc-feature-cover::before{content:"";position:absolute;inset:4px -8px -7px 8px;transform:rotate(8deg);background:#78c8c3;z-index:-1;border:1px solid #559f99}
.lc-feature-cover img{width:100%;height:auto;box-shadow:0 14px 23px #062b5730;border:1px solid #bac8d0}
.lc-feature-cover:hover{transform:rotate(-2deg) translateY(-3px)}
.lc-feature-bottom{display:flex;gap:.9rem;align-items:center;border-top:1px solid #bfcfd8;padding-top:1.05rem}
.lc-feature-bottom strong{display:block;font:700 .88rem/1.4 var(--font-head);letter-spacing:-.02em}
.lc-feature-bottom span{display:block;font-size:.72rem;color:#526475;margin-top:.3rem;line-height:1.5}
.lc-feature-bottom>a{flex:none;display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:#0067d9;color:#fff;margin-left:auto}
.lc-feature-bottom>a:hover{background:#062b57}
.lc-value-strip{background:#f0f6f7;border-bottom:1px solid #dee8ec;color:#39576c;font-size:.81rem;font-weight:600}
.lc-value-strip>.lc-shell{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding-block:1.1rem;flex-wrap:wrap}
.lc-value-strip span>span{color:#007d73;margin-right:.4rem}
.lc-library{padding-block:5.2rem 5.5rem;scroll-margin-top:2rem}
.lc-section-head{display:flex;justify-content:space-between;align-items:flex-end;gap:2rem;margin-bottom:2.4rem}
.lc-section-head .lc-kicker{margin-bottom:.65rem}
.unity-learning h2{font:800 clamp(2rem,3vw,3rem)/1.13 var(--font-head);letter-spacing:-.045em;color:#062b57;margin:0 0 .5rem}
.lc-section-head>p{font-size:.92rem;line-height:1.8;color:#526475;max-width:400px;margin:0 0 .2rem}
.lc-tools{background:#f4f7fa;border:1px solid #e0e8ee;padding:1.25rem 1.4rem;border-radius:8px;display:flex;align-items:flex-end;gap:1.5rem;justify-content:space-between}
.lc-search{flex:0 1 325px;min-width:220px}
.lc-search label{font-size:.74rem;font-weight:600;display:block;color:#3e586d;margin-bottom:.4rem}
.lc-search>div{position:relative}
.lc-search svg{position:absolute;left:.9rem;top:50%;transform:translateY(-50%);color:#597185;pointer-events:none}
.lc-search input{width:100%;min-height:47px;background:#fff;border:1px solid #b7c8d5;border-radius:5px;padding:.7rem .65rem .7rem 2.65rem;font:400 .85rem/1.5 var(--font-body);color:#062b57}
.lc-search input::placeholder{color:#62788a;opacity:1}
.lc-filters{display:flex;gap:.4rem;flex-wrap:wrap}
.lc-filters button{border:1px solid #c4d3df;background:#fff;color:#385166;font:600 .76rem/1.3 var(--font-body);min-height:45px;padding:.65rem .8rem;border-radius:5px;cursor:pointer}
.lc-filters button[aria-pressed=true]{background:#062b57;border-color:#062b57;color:#fff}
.lc-filters button:hover:not([aria-pressed=true]){border-color:#0067d9;color:#0067d9}
.lc-results{font-size:.77rem;color:#526475;margin:1.15rem 0 1.4rem}
.lc-guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.5rem}
.lc-guide-card{min-width:0;display:flex;flex-direction:column;border:1px solid #d9e4ec;border-radius:9px;overflow:hidden;background:#fff;transition:box-shadow .2s,border-color .2s}
.lc-guide-card:hover{box-shadow:0 14px 28px #062b570e;border-color:#9db7ce}
.lc-card-art{height:240px;position:relative;padding:38px 1rem 18px;display:flex;justify-content:center;background:#e8f0f6;overflow:hidden}
.lc-art-closing{background:#dcefe9}.lc-art-refinancing{background:#e5e9f5}.lc-art-reference{background:#f0eee7}.lc-art-agents{background:#e4edf1}
.lc-card-category{position:absolute;left:1.1rem;top:1rem;text-transform:uppercase;letter-spacing:.09em;font:700 .65rem var(--font-head);color:#35586c}
.lc-card-number{position:absolute;right:1.1rem;top:.85rem;font:700 .83rem var(--font-head);color:#637e90}
.lc-card-art>a{height:100%;aspect-ratio:612 / 792;display:block;transform:rotate(-5deg);transition:transform .2s}
.lc-guide-card:nth-child(even) .lc-card-art>a{transform:rotate(5deg)}
.lc-card-art>a:hover,.lc-guide-card:nth-child(even) .lc-card-art>a:hover{transform:rotate(0deg) translateY(-3px)}
.lc-card-art img{height:100%;width:auto;max-width:100%;border:1px solid #b6c5d0;box-shadow:6px 11px 14px #062b5724}
.lc-card-body{display:flex;flex-direction:column;flex:1;padding:1.45rem 1.35rem 1.35rem}
.lc-card-meta{font:700 .61rem/1.5 var(--font-head);letter-spacing:.07em;color:#087b76;display:flex;justify-content:space-between;gap:.5rem;margin:0 0 .7rem}
.lc-card-meta span{font:400 .72rem/1.5 var(--font-body);letter-spacing:0;color:#596c7e}
.lc-guide-card h3{font:700 1.24rem/1.3 var(--font-head);letter-spacing:-.035em;color:#062b57;margin:0 0 .65rem}
.lc-card-summary{font-size:.86rem;line-height:1.75;color:#526475;margin:0 0 1rem}
.lc-card-includes{font-size:.73rem;line-height:1.55;color:#355969;margin:auto 0 1.2rem;padding-top:.25rem}
.lc-card-includes span{font-weight:700;color:#087b76;margin-right:.25rem}
.lc-card-actions{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:.75rem;border-top:1px solid #e1e9ee;padding-top:1.1rem}
.lc-card-actions .lc-button{font-size:.76rem;padding:.68rem .85rem;gap:.45rem;min-height:44px}
.lc-read-link{font-size:.78rem;font-weight:600;color:#0060c7;text-decoration:none;white-space:nowrap}
.lc-read-link:hover{text-decoration:underline;text-underline-offset:4px}
.lc-empty{padding:3rem;background:#f4f7fa;border:1px solid #d7e3ed;border-radius:8px;text-align:center}
.lc-empty h3{font:700 1.4rem var(--font-head);color:#062b57}
.lc-empty p{color:#526475}
.lc-paths{padding-block:4.5rem;background:#f1f6f7;border-top:1px solid #e0e9ed;border-bottom:1px solid #e0e9ed}
.lc-path-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:2rem}
.lc-path-grid>a{display:flex;flex-direction:column;text-decoration:none;border-top:2px solid #a5bfcd;padding-top:1.5rem}
.lc-path-number{font:700 .76rem var(--font-head);color:#007d73}
.lc-path-grid h3{font:700 1.1rem/1.5 var(--font-head);letter-spacing:-.025em;color:#062b57;margin:.8rem 0 .4rem}
.lc-path-grid p{font-size:.88rem;color:#526475;line-height:1.8;margin:0 0 1.4rem}
.lc-path-grid strong{font-size:.8rem;color:#0060c7;margin-top:auto}
.lc-path-grid>a:hover{border-top-color:#0067d9}
.lc-help{padding-block:5.5rem;display:grid;grid-template-columns:1fr 300px;gap:5rem;align-items:center}
.lc-help .lc-kicker{margin-bottom:.85rem}
.lc-help h2{font-size:clamp(2rem,3vw,2.9rem)}
.lc-help>div>p:not(.lc-kicker){color:#526475;max-width:625px;font-size:.95rem;line-height:1.85}
.lc-help-actions{display:flex;align-items:center;gap:1.5rem;margin-top:1.6rem}
.lc-help-actions>a:not(.lc-button){color:#0060c7;font-size:.87rem;font-weight:600;text-underline-offset:4px}
.lc-help aside{background:#f0f6f7;border:1px solid #dce6ea;padding:2rem;border-radius:8px}
.lc-initial{display:grid;place-items:center;width:65px;height:65px;border-radius:50%;background:#062b57;color:#fff;font:700 1.2rem var(--font-head);margin-bottom:1.2rem}
.lc-help aside strong{font:700 1.16rem var(--font-head);color:#062b57}
.lc-help aside p{font-size:.8rem;line-height:1.9;color:#526475;margin:.5rem 0 1rem}
.lc-local{font-size:.72rem;color:#087b76;font-weight:600;border-top:1px solid #cddfe4;padding-top:.8rem;display:block}
.lc-note{padding-bottom:2rem;border-bottom:1px solid #dce6ea;color:#526475;font-size:.75rem;line-height:1.8}
/* Complete online editions accompany the PDFs. */
.lr-hero{background:#062b57;color:#fff;padding-block:3.5rem}
.lr-hero-grid{display:grid;grid-template-columns:1fr 220px;align-items:center;gap:6rem}
.lr-back{color:#9be4db;font-size:.8rem;text-underline-offset:4px;display:inline-block;margin-bottom:2rem}
.lr-hero .lc-kicker{margin-bottom:1rem}
.lr-hero h1{font:800 clamp(2.5rem,4vw,4rem)/1.1 var(--font-head);letter-spacing:-.045em;margin:0 0 1rem}
.lr-hero p:not(.lc-kicker){color:#d6e3ef;font-size:1.05rem;margin:0 0 1.5rem;max-width:650px}
.lr-meta{display:block;font-size:.72rem;color:#bfd1e1;margin-top:.8rem}
.lr-cover{transform:rotate(4deg);display:block}
.lr-cover img{width:100%;height:auto;box-shadow:0 15px 30px #00152d80;border:1px solid #b4c9da}
.lr-layout{display:grid;grid-template-columns:240px minmax(0,1fr);gap:4.5rem;align-items:start;padding-block:4.5rem}
.lr-toc{position:sticky;top:2rem;background:#f1f6f7;border-top:3px solid #087b76;border-radius:0 0 6px 6px;padding:1.4rem;font-size:.82rem}
.lr-toc>strong{font:700 .9rem var(--font-head);color:#062b57}
.lr-toc ol{padding-left:1.1rem;margin:1rem 0 1.3rem}
.lr-toc li{margin:.8rem 0;color:#087b76}
.lr-toc li a{color:#425e72;text-decoration:none;line-height:1.6}
.lr-toc li a:hover{color:#0067d9;text-decoration:underline}
.lr-content>section{padding-bottom:3rem;margin-bottom:3rem;border-bottom:1px solid #dce6ed;scroll-margin-top:2rem}
.lr-content>section>.lc-kicker{margin-bottom:.7rem}
.lr-content h2{font-size:clamp(1.8rem,2.8vw,2.65rem);line-height:1.16;margin-bottom:1rem}
.lr-content h3{font:700 1.12rem/1.5 var(--font-head);color:#062b57;margin:1.8rem 0 .45rem}
.lr-content p,.lr-content li{font-size:1rem;line-height:1.85;color:#455c6e}
.lr-content p{margin:.45rem 0 1rem}
.lr-content p.lr-lead{font-size:1.13rem;color:#314d63;margin-bottom:1.8rem}
.lr-content sup{margin-left:.15rem;line-height:0}
.lr-content sup a{color:#0060c7;text-decoration:none;font-weight:700;padding:.1rem}
.lr-table-wrap{margin-block:1.7rem;overflow:auto;border-radius:5px;border:1px solid #d6e3ed}
.lr-table-wrap table{width:100%;border-collapse:collapse;min-width:460px;text-align:left;font-size:.88rem}
.lr-table-wrap th{background:#062b57;color:#fff;padding:1rem;font-weight:600}
.lr-table-wrap td{padding:1rem;vertical-align:top;border-bottom:1px solid #dbe6ed;color:#455c6e;line-height:1.7}
.lr-table-wrap tr:nth-child(even){background:#f4f7fa}
.lr-checklist{padding-left:1.4rem}
.lr-checklist li{margin:.6rem 0;padding-left:.25rem}
.lr-checklist li::marker{color:#087b76}
.lr-note{margin-top:1.8rem;background:#edf6f4;border-left:3px solid #087b76;padding:1.3rem 1.5rem;border-radius:0 5px 5px 0}
.lr-note>strong{font:700 .72rem/1.6 var(--font-head);color:#087b76;text-transform:uppercase;letter-spacing:.045em}
.lr-note p{font-size:.93rem;margin:.5rem 0 0}
.lr-worksheet{background:#f1f6fa;padding:2rem;border-radius:6px}
.lr-sources ol{padding-left:1.4rem}
.lr-sources li{margin:.6rem 0;scroll-margin-top:2rem;font-size:.88rem}
.lr-sources li a{color:#0060c7;text-underline-offset:3px}
.lr-content .lr-fine{font-size:.79rem;line-height:1.8;color:#5d7181}
.lr-next{padding-block:3.5rem;background:#062b57;color:#fff}
.lr-next>.lc-shell{display:flex;align-items:center;justify-content:space-between;gap:3rem}
.lr-next h2{color:#fff;font-size:2.2rem;max-width:670px}
.lr-next .lc-kicker{margin-bottom:1rem}
.lr-next p:not(.lc-kicker){color:#d3e1ec;font-size:.94rem}
.lr-next>.lc-shell>div:last-child{display:flex;flex-direction:column;gap:1rem;align-items:flex-start;flex-shrink:0}
@media(min-width:901px) and (max-width:1120px){.unity-learning-page .brand img{width:205px}.unity-learning-page .site-header nav{gap:.8rem;font-size:.77rem}.lc-hero-grid{gap:2.5rem}.lc-tools{flex-wrap:wrap}.lc-search{flex:1 0 100%}.lc-card-actions{align-items:stretch}.lc-card-actions .lc-button{width:100%}.lc-card-actions .lc-read-link{padding:.2rem 0}.lc-card-meta{flex-wrap:wrap}}
@media(max-width:900px){.lc-hero-grid{grid-template-columns:1.2fr .8fr;gap:2rem;padding-block:3.5rem}.lc-hero h1{font-size:2.85rem}.lc-feature{padding:1rem}.lc-feature-cover{width:75%}.lc-feature-bottom strong{font-size:.75rem}.lc-feature-bottom span{font-size:.67rem}.lc-feature-top{font-size:.59rem}.lc-hero-facts{gap:1.2rem}.lc-hero-facts>span{font-size:.65rem}.lc-value-strip>.lc-shell{justify-content:flex-start;gap:.5rem 1.5rem}.lc-section-head{align-items:flex-start;flex-direction:column;gap:.8rem}.lc-tools{flex-direction:column;align-items:stretch}.lc-search{flex:auto}.lc-guide-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.lc-path-grid{gap:1.3rem}.lc-path-grid h3{font-size:1rem}.lc-help{gap:2.5rem;grid-template-columns:1fr 240px}.lc-help aside{padding:1.5rem}.lc-help-actions{flex-wrap:wrap}.lr-layout{grid-template-columns:200px minmax(0,1fr);gap:2.5rem}.lr-hero-grid{gap:3rem;grid-template-columns:1fr 170px}.lr-next>.lc-shell{flex-direction:column;align-items:flex-start}.unity-learning-page .site-header nav{top:4.8rem;z-index:15}}
@media(max-width:640px){.lc-shell{width:calc(100% - 2rem)}.unity-learning-page .utility-bar>div{width:calc(100% - 2rem);justify-content:space-between;font-size:.75rem}.unity-learning-page .utility-bar span:first-child{display:inline;font-size:.67rem}.unity-learning-page .utility-bar a[href^="mailto"]{display:none}.unity-learning-page .site-header{padding:1rem 0}.unity-learning-page .site-header nav{left:1rem;right:1rem;top:4.4rem}.lc-hero-grid{grid-template-columns:1fr;gap:2.5rem;padding-block:2.7rem}.lc-hero h1{font-size:clamp(2.5rem,9.4vw,3.65rem)}.lc-intro{font-size:.98rem;max-width:100%}.lc-kicker{font-size:.66rem;margin-bottom:1.2rem}.lc-hero-facts{gap:1.5rem;justify-content:space-between;margin-top:1.8rem;padding-top:1.3rem}.lc-hero-facts>span{font-size:.7rem}.lc-hero-facts strong{font-size:1.15rem}.lc-feature{max-width:420px;width:100%;margin-inline:auto;padding:1.15rem 1.35rem}.lc-feature-cover{width:47%;margin-bottom:1.35rem}.lc-feature-top{font-size:.66rem}.lc-feature-bottom strong{font-size:.86rem}.lc-feature-bottom span{font-size:.68rem}.lc-value-strip>.lc-shell{display:grid;grid-template-columns:1fr 1fr;gap:.7rem .5rem;font-size:.66rem;padding-block:1rem}.lc-library{padding-block:3.2rem}.lc-section-head{margin-bottom:1.6rem}.lc-section-head>p{font-size:.86rem}.lc-section-head>p br{display:none}.lc-tools{padding:1rem;gap:1rem}.lc-filters{gap:.4rem}.lc-filters button{padding:.6rem .75rem;font-size:.73rem}.lc-guide-grid{grid-template-columns:1fr;gap:1.3rem}.lc-card-art{height:255px;padding-top:38px}.lc-card-body{padding:1.35rem}.lc-guide-card h3{font-size:1.3rem}.lc-card-summary{font-size:.9rem}.lc-card-includes{font-size:.78rem}.lc-card-actions .lc-button{font-size:.83rem}.lc-read-link{font-size:.82rem}.lc-paths{padding-block:3rem}.lc-path-grid{grid-template-columns:1fr;gap:1.7rem}.lc-path-grid>a{padding-top:1.1rem}.lc-path-grid h3{font-size:1.12rem}.lc-path-grid p{margin-bottom:.7rem}.lc-help{padding-block:3.2rem;grid-template-columns:1fr;gap:1.8rem}.lc-help aside{max-width:100%}.lc-help h2{font-size:2rem}.lc-note{font-size:.72rem}.lc-empty{padding:1.5rem}.lr-hero{padding-block:2.5rem}.lr-hero-grid{grid-template-columns:1fr;gap:2rem}.lr-cover{display:none}.lr-hero h1{font-size:2.5rem}.lr-back{margin-bottom:1.5rem}.lr-layout{grid-template-columns:1fr;gap:2.2rem;padding-block:2.5rem}.lr-toc{position:static;padding:1.25rem}.lr-toc ol{margin-block:.6rem 1rem}.lr-toc li{margin:.5rem 0}.lr-content h2{font-size:1.9rem}.lr-content h3{font-size:1.05rem}.lr-content p,.lr-content li{font-size:.96rem}.lr-worksheet{padding:1.4rem}.lr-content>section{margin-bottom:2.4rem;padding-bottom:2.4rem}.lr-content .lr-worksheet{padding-bottom:1.5rem}.lr-next{padding-block:2.5rem}.lr-next h2{font-size:2rem}}
@media(min-width:641px){.lc-guide-card:last-child{grid-column:1 / -1;display:grid;grid-template-columns:minmax(190px,28%) 1fr}.lc-guide-card:last-child .lc-card-art{height:100%;min-height:280px;align-items:center;padding-block:42px 22px}.lc-guide-card:last-child .lc-card-art>a{height:212px}.lc-guide-card:last-child .lc-card-body{padding:1.8rem 2rem}.lc-guide-card:last-child .lc-card-summary{max-width:620px}.lc-guide-card:last-child .lc-card-actions{justify-content:flex-start;gap:1.5rem}.lc-guide-card:last-child .lc-card-actions .lc-button{width:auto}}
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@media(prefers-reduced-motion:reduce){.unity-learning *{transition:none!important;scroll-behavior:auto!important}}
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