#footer-opal-matrix-nine{padding:30px 0 18px;background:linear-gradient(180deg,#101315 0%,#17201e 56%,#111719 100%);color:#eef5f1}#footer-opal-matrix-nine a{color:inherit;text-decoration:none}#footer-opal-matrix-nine .ftr9-showcase{display:grid;grid-template-columns:minmax(0,1fr) 286px;grid-template-areas:"copy visual" "points visual";gap:14px;align-items:stretch}#footer-opal-matrix-nine .ftr9-copy{position:relative;grid-area:copy;min-width:0;padding:20px 22px 18px;overflow:hidden;border:1px solid rgba(242,215,155,.22);border-radius:8px;background:linear-gradient(135deg,rgba(242,215,155,.1),transparent 38%),rgba(255,255,255,.055)}#footer-opal-matrix-nine .ftr9-copy:before{content:"";position:absolute;top:0;left:22px;width:112px;height:3px;background:linear-gradient(90deg,#f2d79b,#41c7aa,#ef6b5a)}#footer-opal-matrix-nine .ftr9-logo{display:inline-flex;align-items:center;justify-content:center;width:142px;height:47px;margin-bottom:14px;padding:7px 13px;border-radius:8px;background:#f8fbf7}#footer-opal-matrix-nine .ftr9-logo img{display:block;width:auto;max-width:116px;height:32px;object-fit:contain}#footer-opal-matrix-nine h2,#footer-opal-matrix-nine h3{margin:0;letter-spacing:0;line-height:1.22}#footer-opal-matrix-nine h2{color:#ffffff;font-size:25px;font-weight:900}#footer-opal-matrix-nine h3{margin-bottom:11px;color:#ffffff;font-size:15px;font-weight:900}#footer-opal-matrix-nine .ftr9-copy p{max-width:920px;margin:8px 0 0;color:#cbd9d4;font-size:13px;line-height:1.72}#footer-opal-matrix-nine .ftr9-visual{position:relative;grid-area:visual;min-height:234px;margin:0;overflow:hidden;border:1px solid rgba(242,215,155,.24);border-radius:8px;background:#273a34}#footer-opal-matrix-nine .ftr9-visual:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(16,19,21,.04),rgba(16,19,21,.52))}#footer-opal-matrix-nine .ftr9-visual img{display:block;width:100%;height:100%;min-height:234px;object-fit:cover}#footer-opal-matrix-nine .ftr9-points{grid-area:points;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}#footer-opal-matrix-nine .ftr9-points span{display:flex;gap:9px;align-items:center;min-width:0;padding:12px;border:1px solid rgba(65,199,170,.22);border-radius:8px;background:rgba(65,199,170,.1);color:#eaf8f4;font-size:12px;font-weight:800;line-height:1.35}#footer-opal-matrix-nine .ftr9-points i{display:inline-flex;align-items:center;justify-content:center;width:26px;height:26px;border-radius:8px;background:rgba(242,215,155,.15);color:#f2d79b;font-size:12px;flex:0 0 auto}#footer-opal-matrix-nine .ftr9-rail{display:grid;grid-template-columns:minmax(0,1.12fr) minmax(240px,.78fr) minmax(260px,.88fr);gap:14px;margin-top:14px}#footer-opal-matrix-nine .ftr9-nav,#footer-opal-matrix-nine .ftr9-service,#footer-opal-matrix-nine .ftr9-contact{min-width:0;padding:16px 18px;border:1px solid rgba(255,255,255,.12);border-radius:8px;background:rgba(255,255,255,.065)}#footer-opal-matrix-nine .ftr9-nav div{display:flex;flex-wrap:wrap;gap:8px 10px}#footer-opal-matrix-nine .ftr9-nav a{display:inline-flex;align-items:center;min-height:28px;padding:5px 10px;border-radius:999px;background:rgba(246,239,226,.1);color:#dbe7e2;font-size:12px;font-weight:800;line-height:1.25}#footer-opal-matrix-nine .ftr9-nav a:hover{background:rgba(242,215,155,.18);color:#ffffff}#footer-opal-matrix-nine .ftr9-service,#footer-opal-matrix-nine .ftr9-contact{display:grid;gap:8px}#footer-opal-matrix-nine .ftr9-service p,#footer-opal-matrix-nine .ftr9-contact span{display:flex;gap:9px;align-items:flex-start;margin:0;color:#cbd9d4;font-size:13px;line-height:1.55}#footer-opal-matrix-nine .ftr9-service i,#footer-opal-matrix-nine .ftr9-contact i{width:16px;margin-top:3px;color:#41c7aa;flex:0 0 auto}#footer-opal-matrix-nine .ftr9-contact{margin:0;font-style:normal}#footer-opal-matrix-nine .ftr9-friends{display:grid;grid-template-columns:auto minmax(0,1fr);gap:12px;align-items:center;margin-top:14px;padding:12px 0;border-top:1px solid rgba(255,255,255,.13);border-bottom:1px solid rgba(255,255,255,.13)}#footer-opal-matrix-nine .ftr9-friends strong{color:#ffffff;font-size:13px;font-weight:900}#footer-opal-matrix-nine .ftr9-friends div{display:flex;flex-wrap:wrap;gap:8px 12px}#footer-opal-matrix-nine .ftr9-friends a{color:#b9c9c4;font-size:12px;font-weight:800}#footer-opal-matrix-nine .ftr9-friends a:hover{color:#f2d79b}#footer-opal-matrix-nine .ftr9-legal{display:flex;justify-content:space-between;gap:14px;padding-top:13px;color:#aab8b4;font-size:12px;line-height:1.55}#footer-opal-matrix-nine .ftr9-legal>span:last-child{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:12px}@media (max-width:991.98px){#footer-opal-matrix-nine .ftr9-showcase{grid-template-columns:1fr;grid-template-areas:"copy" "visual" "points"}#footer-opal-matrix-nine .ftr9-visual,#footer-opal-matrix-nine .ftr9-visual img{min-height:180px}#footer-opal-matrix-nine .ftr9-rail{grid-template-columns:1fr}}@media (max-width:575.98px){#footer-opal-matrix-nine{padding:24px 0 16px}#footer-opal-matrix-nine .ftr9-copy,#footer-opal-matrix-nine .ftr9-nav,#footer-opal-matrix-nine .ftr9-service,#footer-opal-matrix-nine .ftr9-contact{padding:15px}#footer-opal-matrix-nine .ftr9-points,#footer-opal-matrix-nine .ftr9-friends{grid-template-columns:1fr}#footer-opal-matrix-nine .ftr9-legal{display:grid}#footer-opal-matrix-nine .ftr9-legal>span:last-child{justify-content:flex-start}}#header-civic-rail-three{position:relative;z-index:31;background:linear-gradient(180deg,#ffffff 0%,#f7fafc 100%);border-bottom:1px solid rgba(28,39,58,.1);box-shadow:0 10px 30px rgba(28,39,58,.08)}#header-civic-rail-three::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:repeating-linear-gradient(90deg,#2d6cdf 0 18%,#34a853 18% 34%,#f4b400 34% 50%,#e45858 50% 66%,#2d6cdf 66% 100%);pointer-events:none}#header-civic-rail-three .civicrail-board{display:grid;grid-template-columns:auto minmax(0,1fr);grid-template-areas:"logo nav";align-items:center;gap:18px;min-height:78px;padding-top:10px;padding-bottom:10px}#header-civic-rail-three .civicrail-logo-cell{grid-area:logo;min-width:0}#header-civic-rail-three .civicrail-brand{display:inline-flex;align-items:center;min-width:0;text-decoration:none}#header-civic-rail-three .civicrail-mark{position:relative;display:grid;place-items:center;height:52px;min-width:148px;padding:5px 14px 5px 18px;border:1px solid rgba(28,39,58,.12);border-left:5px solid #2d6cdf;border-radius:8px;background:#ffffff;box-shadow:inset 0 1px 0 rgba(255,255,255,.9),0 12px 24px rgba(28,39,58,.1);transition:transform .2s ease,border-color .2s ease,box-shadow .2s ease}#header-civic-rail-three .civicrail-brand:hover .civicrail-mark{border-left-color:#34a853;transform:translateY(-1px);box-shadow:inset 0 1px 0 rgba(255,255,255,.9),0 16px 28px rgba(45,108,223,.13)}#header-civic-rail-three .civicrail-logo{display:block;width:auto;height:39px;max-width:205px;object-fit:contain}#header-civic-rail-three .civicrail-mobile{display:none;align-items:center;justify-content:flex-end;gap:9px}#header-civic-rail-three .civicrail-nav{grid-area:nav;width:100%;min-width:0;padding:0}#header-civic-rail-three .civicrail-collapse{align-items:center;gap:14px;width:100%;min-width:0}#header-civic-rail-three .civicrail-list{flex:1 1 auto;min-width:0;padding:0 10px;border-right:1px solid rgba(28,39,58,.1);border-left:1px solid rgba(28,39,58,.1)}#header-civic-rail-three .civicrail-menu{display:flex;align-items:center;justify-content:center;gap:2px;min-width:0;margin:0}#header-civic-rail-three .civicrail-item{display:flex;align-items:center}#header-civic-rail-three .civicrail-link{position:relative;display:inline-flex;align-items:center;min-height:46px;padding:13px 15px;color:#25324a;font-size:15px;font-weight:850;line-height:1.15;letter-spacing:0;white-space:nowrap;text-decoration:none;transition:color .2s ease,background .2s ease}#header-civic-rail-three .civicrail-link::after{content:"";position:absolute;left:14px;right:14px;bottom:5px;height:3px;border-radius:999px;background:#2d6cdf;opacity:0;transform:translateY(4px);transition:opacity .2s ease,transform .2s ease}#header-civic-rail-three .civicrail-link:hover{color:#10213d;background:#edf4ff}#header-civic-rail-three .civicrail-link:hover::after,#header-civic-rail-three .civicrail-link.active::after{opacity:1;transform:translateY(0)}#header-civic-rail-three .civicrail-link.active{color:#1f56bc;background:#eaf2ff}#header-civic-rail-three .civicrail-actions{display:flex;align-items:center;justify-content:flex-end;gap:8px;flex:0 0 auto}#header-civic-rail-three .civicrail-login{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:42px;padding:10px 15px;border:1px solid rgba(45,108,223,.18);border-radius:8px;background:#2d6cdf;color:#ffffff;font-size:14px;font-weight:900;line-height:1;text-decoration:none;box-shadow:0 12px 24px rgba(45,108,223,.18);transition:transform .2s ease,box-shadow .2s ease,background .2s ease}#header-civic-rail-three .civicrail-login:hover{color:#ffffff;background:#2258bc;transform:translateY(-1px);box-shadow:0 16px 30px rgba(45,108,223,.24);text-decoration:none}#header-civic-rail-three .civicrail-actions .civicrail-login:nth-child(2){border-color:rgba(52,168,83,.2);background:#1f8c4f;box-shadow:0 12px 24px rgba(52,168,83,.18)}#header-civic-rail-three .civicrail-actions .civicrail-login:nth-child(2):hover{background:#197640;box-shadow:0 16px 30px rgba(52,168,83,.24)}#header-civic-rail-three .civicrail-login i,#header-civic-rail-three .civicrail-login span{position:relative;z-index:1}#header-civic-rail-three .civicrail-login i{font-size:15px}#header-civic-rail-three .civicrail-login-mobile{display:none;min-height:40px;padding:9px 12px;box-shadow:none}#header-civic-rail-three .civicrail-toggle{display:inline-flex;flex-direction:column;align-items:center;justify-content:center;gap:5px;width:42px;height:42px;padding:0;border:1px solid rgba(28,39,58,.13);border-radius:8px;background:#ffffff;box-shadow:0 10px 20px rgba(28,39,58,.1)}#header-civic-rail-three .civicrail-toggle:focus{box-shadow:0 0 0 4px rgba(45,108,223,.16)}#header-civic-rail-three .civicrail-toggle span{display:block;width:20px;height:2px;border-radius:999px;background:#1c273a;transition:transform .2s ease,opacity .2s ease}#header-civic-rail-three .civicrail-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}#header-civic-rail-three .civicrail-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}#header-civic-rail-three .civicrail-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}@media (max-width:1199.98px){#header-civic-rail-three .civicrail-board{gap:13px}#header-civic-rail-three .civicrail-list{padding:0 6px}#header-civic-rail-three .civicrail-link{padding:13px 11px;font-size:14px}#header-civic-rail-three .civicrail-login{padding:10px 12px}}@media (max-width:991.98px){#header-civic-rail-three .civicrail-board{grid-template-columns:minmax(0,1fr) auto;grid-template-areas:"logo mobile" "nav nav";min-height:66px;gap:10px 12px}#header-civic-rail-three .civicrail-mark{width:auto;max-width:198px;height:46px;min-width:0;padding:5px 10px 5px 12px;border-left-width:4px}#header-civic-rail-three .civicrail-logo{height:34px;max-width:100%}#header-civic-rail-three .civicrail-mobile{grid-area:mobile;display:flex}#header-civic-rail-three .civicrail-login-mobile{display:inline-flex;max-width:132px;overflow:hidden}#header-civic-rail-three .civicrail-collapse{width:100%;max-height:calc(100vh - 82px);margin-top:2px;overflow:auto;border:1px solid rgba(28,39,58,.1);border-radius:8px;background:#ffffff;box-shadow:0 20px 40px rgba(28,39,58,.14)}#header-civic-rail-three .civicrail-collapse.show,#header-civic-rail-three .civicrail-collapse.collapsing{padding:12px}#header-civic-rail-three .civicrail-list{padding:0;border:0}#header-civic-rail-three .civicrail-menu{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px;width:100%}#header-civic-rail-three .civicrail-item{display:block;min-width:0}#header-civic-rail-three .civicrail-link{justify-content:center;width:100%;min-height:45px;padding:12px 10px;border:1px solid rgba(28,39,58,.08);border-radius:8px;background:#f6f9fd;font-size:15px;text-align:center;white-space:normal}#header-civic-rail-three .civicrail-link::after{display:none}#header-civic-rail-three .civicrail-actions{display:grid;grid-template-columns:repeat(auto-fit,minmax(130px,1fr));width:100%;gap:8px;margin-top:12px;padding-top:12px;border-top:1px solid rgba(28,39,58,.1)}#header-civic-rail-three .civicrail-actions .civicrail-login{width:100%;min-height:44px;box-shadow:none}}@media (max-width:575.98px){#header-civic-rail-three .container{padding-left:12px;padding-right:12px}#header-civic-rail-three .civicrail-mark{max-width:172px;height:42px;padding:4px 8px 4px 10px}#header-civic-rail-three .civicrail-logo{height:30px}#header-civic-rail-three .civicrail-login-mobile{max-width:110px;min-height:40px;padding:8px 9px;font-size:13px}#header-civic-rail-three .civicrail-login-mobile span{overflow:hidden;text-overflow:ellipsis;white-space:nowrap}#header-civic-rail-three .civicrail-menu{grid-template-columns:1fr}#header-civic-rail-three .civicrail-link{justify-content:flex-start;text-align:left}}@media (max-width:390px){#header-civic-rail-three .civicrail-mobile{gap:7px}#header-civic-rail-three .civicrail-mark{max-width:148px}#header-civic-rail-three .civicrail-login-mobile{width:42px;padding:0}#header-civic-rail-three .civicrail-login-mobile span{display:none}#header-civic-rail-three .civicrail-logo{height:28px}}#list-ledger-thirty{padding:48px 16px;background:#f0f9ff;color:#082f49;overflow:hidden}#list-ledger-thirty *{box-sizing:border-box}#list-ledger-thirty .list-wrap{max-width:1120px;margin:0 auto}#list-ledger-thirty .list-crumb{display:flex;align-items:center;gap:10px;margin-bottom:20px;color:#557086;font-size:14px}#list-ledger-thirty .list-crumb a{color:#082f49;text-decoration:none;font-weight:800}#list-ledger-thirty .list-crumb i{margin-right:6px;color:#0284c7}#list-ledger-thirty h1{font-size:32px;line-height:1.12;margin:8px 0 0;letter-spacing:0}#list-ledger-thirty h2{letter-spacing:0}#list-ledger-thirty a{transition:color .2s ease,background .2s ease,transform .2s ease,box-shadow .2s ease}#list-ledger-thirty img{display:block;width:100%;height:100%;object-fit:cover}#list-ledger-thirty .list-ledger-title{display:flex;align-items:center;gap:18px;margin-bottom:24px}#list-ledger-thirty .list-ledger-title>b{font-size:42px;color:#0284c7;background:#e0f2fe;border-radius:24px;padding:10px 14px}#list-ledger-thirty .list-ledger-title span{font-weight:900;color:#0284c7}#list-ledger-thirty .list-ledger{background:#ffffff;border:1px solid #e0f2fe;border-radius:24px;overflow:hidden;box-shadow:0 16px 40px rgba(15,23,42,.07)}#list-ledger-thirty .list-entry{display:grid;grid-template-columns:130px 1fr 78px;gap:14px;align-items:center;padding:16px 18px;border-bottom:1px solid #e0f2fe}#list-ledger-thirty .list-entry:last-child{border-bottom:0}#list-ledger-thirty time{font-weight:900;color:#0284c7;font-size:13px}#list-ledger-thirty h2{font-size:18px;line-height:1.42;margin:0}#list-ledger-thirty h2 a{color:#082f49;text-decoration:none}#list-ledger-thirty .list-entry>span{text-align:right;color:#557086;font-size:13px}@media(max-width:640px){#list-ledger-thirty .list-entry{grid-template-columns:1fr;gap:7px}#list-ledger-thirty .list-entry>span{text-align:left}}@media(max-width:760px){#list-ledger-thirty{padding:34px 12px}#list-ledger-thirty h1{font-size:28px}#list-ledger-thirty h2{font-size:16px}}#related-reading-nineteen{padding:58px 16px;background:linear-gradient(180deg,#ecfeff,#f8fafc);color:#0f172a}#related-reading-nineteen .tj19-wrap{max-width:1060px;margin:auto}#related-reading-nineteen .tj19-head{text-align:center;margin-bottom:20px}#related-reading-nineteen .tj19-head b{color:#0891b2}#related-reading-nineteen h2{font-size:32px;margin:8px 0 0}#related-reading-nineteen .tj19-stack{display:grid;gap:12px}#related-reading-nineteen .tj19-card{display:grid;grid-template-columns:48px 150px 1fr;gap:16px;align-items:center;background:#fff;border:1px solid #cffafe;border-radius:24px;padding:12px 16px;text-decoration:none;color:inherit;box-shadow:0 16px 34px rgba(8,145,178,.08)}#related-reading-nineteen .tj19-card:nth-child(even){margin-left:42px}#related-reading-nineteen .tj19-card:hover{transform:translateX(4px)}#related-reading-nineteen span{display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:#06b6d4;color:#fff;font-weight:900}#related-reading-nineteen img{width:150px;height:92px;border-radius:18px;object-fit:cover}#related-reading-nineteen h3{font-size:20px;line-height:1.35;margin:0 0 6px}#related-reading-nineteen p{font-size:14px;color:#64748b;line-height:1.65;margin:0 0 6px}#related-reading-nineteen time{font-size:12px;color:#0891b2}@media(max-width:720px){#related-reading-nineteen .tj19-card,#related-reading-nineteen .tj19-card:nth-child(even){margin-left:0;grid-template-columns:40px 96px 1fr;padding:12px}#related-reading-nineteen img{width:96px;height:72px}#related-reading-nineteen p{display:none}#related-reading-nineteen h2{font-size:26px}}