html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;background:#091522;display:block;height:auto;overflow:auto}body::before{display:none}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

#ledger-page{--lp-bg:#091522;--lp-panel:#112335;--lp-panel2:#142a3d;--lp-text:#eff4f8;--lp-muted:#b9c9d6;--lp-line:#365064;--lp-gold:var(--accent);--lp-link:#add8f5;color-scheme:dark;background:var(--lp-bg);color:var(--lp-text);font:16px/1.65 'Segoe UI',Arial,sans-serif;isolation:isolate;overflow-wrap:break-word}
#ledger-page *{box-sizing:border-box}
#ledger-page a{color:var(--lp-link);text-underline-offset:4px}
#ledger-page a:hover{color:#fff}
#ledger-page a:focus-visible,#ledger-page summary:focus-visible{outline:3px solid var(--lp-gold);outline-offset:4px}
#ledger-page p{margin:0 0 1em}
#ledger-page h1,#ledger-page h2,#ledger-page h3{font-family:'Segoe UI',Arial,sans-serif;line-height:1.15;letter-spacing:-.025em;text-wrap:balance;margin:0 0 .65em;color:var(--lp-text)}
#ledger-page h1{font-size:clamp(37px,4.1vw,60px);font-weight:750;max-width:770px}
#ledger-page h2{font-size:30px;font-weight:700}
#ledger-page h3{font-size:25px;font-weight:650}
#ledger-page img{display:block;max-width:100%;height:auto}
#ledger-page .lp-wrap{width:min(1190px,calc(100% - 72px));margin-inline:auto}
#ledger-page .lp-small{font-size:13px;color:var(--lp-muted);line-height:1.6}
#ledger-page .lp-eyebrow{font-size:11px;letter-spacing:.15em;text-transform:uppercase;font-weight:700;color:var(--lp-link);margin-bottom:15px}
#ledger-page .lp-header{background:#091522;border-bottom:1px solid #31495d}
#ledger-page .lp-header-inner{display:flex;align-items:center;justify-content:space-between;gap:28px;min-height:88px;padding-block:17px}
#ledger-page .lp-brand{display:flex;gap:12px;align-items:center;text-decoration:none;color:#f4f7fa;flex-shrink:0}
#ledger-page .lp-brand img{width:48px;height:48px}
#ledger-page .lp-brand strong{font-size:23px;line-height:1.2;display:block}
#ledger-page .lp-brand small{font-size:10px;letter-spacing:.03em;color:var(--lp-muted);display:block;margin-top:4px}
#ledger-page .lp-nav{display:flex;flex-wrap:wrap;gap:18px;align-items:center;font-size:13px}
#ledger-page .lp-nav a{text-decoration:none;color:#dce6ee;padding-block:8px}
#ledger-page .lp-nav .lp-nav-download{border:1px solid #546d82;border-radius:5px;padding:8px 12px}
#ledger-page .lp-breadcrumb{font-size:12px;color:var(--lp-muted);padding-top:24px}
#ledger-page .lp-breadcrumb a{color:var(--lp-muted)}
#ledger-page .lp-hero{position:relative;padding:46px 0 44px;background:linear-gradient(90deg,rgba(9,21,34,.72),#091522 62%),url('assets/why-use-approved-be52a919f966.webp') left center/325px auto no-repeat}
#ledger-page .lp-hero-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:center}
#ledger-page .lp-gold{color:var(--lp-gold)}
#ledger-page .lp-lead{font-size:18px;line-height:1.7;color:#d2e0e9;max-width:690px}
#ledger-page .lp-actions{display:flex;flex-wrap:wrap;gap:12px;margin:25px 0 14px}
#ledger-page .lp-button{display:inline-flex;align-items:center;justify-content:center;border:1px solid #647f95;border-radius:5px;padding:12px 18px;min-height:48px;color:#f1f6fa;text-decoration:none;font-size:14px;font-weight:650;text-align:center}
#ledger-page .lp-primary{background:var(--lp-gold);border-color:var(--lp-gold);color:#10202b}
#ledger-page .lp-primary:hover{background:#ffe27a;color:#10202b}
#ledger-page .lp-motto{font-size:10px;letter-spacing:.13em;color:#d0dbe3;margin-top:27px}
#ledger-page .lp-capture{margin:0;background:#0c1925;border:1px solid #456074;border-radius:10px;box-shadow:0 22px 70px #0006;overflow:hidden}
#ledger-page .lp-capture-top{padding:15px 19px;border-bottom:1px solid var(--lp-line);display:flex;justify-content:space-between;gap:10px;font-size:11px;letter-spacing:.07em;color:var(--lp-muted)}
#ledger-page .lp-capture img{width:100%}
#ledger-page .lp-capture figcaption{padding:16px 19px;font-size:12px;color:var(--lp-muted)}
#ledger-page .lp-capture figcaption strong{display:block;color:#f0f6fa;font-size:15px;margin-bottom:5px}
#ledger-page .lp-trust{display:grid;grid-template-columns:repeat(3,1fr);padding:24px 0;border-top:1px solid var(--lp-line);border-bottom:1px solid var(--lp-line);gap:25px}
#ledger-page .lp-trust>div+div{border-left:1px solid var(--lp-line);padding-left:25px}
#ledger-page .lp-trust strong{font-size:15px;display:block;margin-bottom:3px}
#ledger-page .lp-trust p{font-size:13px;color:var(--lp-muted);margin:0}
#ledger-page .lp-layout{display:grid;grid-template-columns:210px minmax(0,1fr);gap:44px;padding:49px 0 65px;align-items:start}
#ledger-page .lp-toc{position:sticky;top:24px;align-self:start;font-size:13px}
#ledger-page .lp-toc h2{font-size:11px;letter-spacing:.12em;color:var(--lp-muted);text-transform:uppercase;margin-bottom:20px}
#ledger-page .lp-toc ol{list-style:none;padding:0;margin:0 0 20px;counter-reset:reasons}
#ledger-page .lp-toc li{counter-increment:reasons;display:flex;gap:10px;line-height:1.35;padding:7px 0}
#ledger-page .lp-toc li::before{content:counter(reasons,decimal-leading-zero);color:#809aaf;font-size:11px;padding-top:3px;min-width:17px}
#ledger-page .lp-toc a{text-decoration:none;color:#d0dfe9;display:inline-block}
#ledger-page .lp-toc a:hover{color:#fff;text-decoration:underline}
#ledger-page .lp-toc a[aria-current="location"],#ledger-page .lp-toc a[aria-current="location"]:hover{color:var(--lp-gold);font-weight:650}
#ledger-page .lp-toc li.lp-current::before{color:var(--lp-gold)}
#ledger-page .lp-toc .lp-toc-extra{padding-top:16px;border-top:1px solid var(--lp-line);display:grid;gap:13px}
#ledger-page .lp-toc-offer{margin-top:25px;padding-top:22px;border-top:1px solid var(--lp-line)}
#ledger-page .lp-toc-offer strong{font-size:24px;display:block;color:var(--lp-gold)}
#ledger-page .lp-toc-offer p{font-size:12px;color:var(--lp-muted)}
#ledger-page .lp-toc-offer .lp-button{color:#10202b;font-size:13px;width:100%;padding:10px}
#ledger-page .lp-article{min-width:0}
#ledger-page .lp-answer{font-size:16px;line-height:1.75;color:#d6e2ec;border-left:3px solid var(--lp-gold);padding:4px 0 4px 23px;margin:0 0 42px}
#ledger-page .lp-answer strong{color:#fff}
#ledger-page .lp-answer p:last-child{margin-bottom:0}
#ledger-page .lp-chapter{margin:0 0 52px;--lp-accent:#a7d4f0}
#ledger-page .lp-chapter.family{--lp-accent:#d7bf8d}
#ledger-page .lp-chapter.everyday{--lp-accent:#a5c9d0}
#ledger-page .lp-chapter.continuity{--lp-accent:#b9bfdc}
#ledger-page .lp-chapter-head{padding:27px 0 20px;margin-bottom:5px;border-top:1px solid var(--lp-line)}
#ledger-page .lp-chapter-head .lp-eyebrow{color:var(--lp-accent);margin-bottom:10px}
#ledger-page .lp-chapter-head h2{font-size:32px;margin-bottom:9px}
#ledger-page .lp-chapter-head p:last-child{color:var(--lp-muted);margin:0;font-size:15px}
#ledger-page .lp-scenario{background:var(--lp-panel);border:1px solid #31495e;border-top:3px solid #a7d4f0;border-radius:9px;padding:30px 32px;margin:21px 0;scroll-margin-top:25px}
#ledger-page .lp-scenario.lp-active-section{border-top-color:var(--lp-gold)}
#ledger-page .lp-scenario:nth-of-type(odd){background:#122639}
#ledger-page .lp-scenario-head{display:flex;gap:19px;align-items:flex-start;margin-bottom:20px}
#ledger-page .lp-number{font-size:37px;font-weight:300;line-height:1;color:var(--lp-accent);min-width:46px;padding-top:4px}
#ledger-page .lp-kicker{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.13em;color:var(--lp-accent);display:block;margin-bottom:8px}
#ledger-page .lp-scenario h3{margin:0}
#ledger-page .lp-scenario .lp-scene{font-size:17px;color:#ecf3f8;line-height:1.6}
#ledger-page .lp-scenario p{color:#cbd9e4;font-size:15px;line-height:1.75}
#ledger-page .lp-scenario .lp-benefit{margin:22px 0 17px;padding:17px 19px;background:#0a1b2a;border-radius:5px;border-left:2px solid var(--lp-accent)}
#ledger-page .lp-benefit strong{display:block;color:#f0f6fb;font-size:14px;margin-bottom:5px}
#ledger-page .lp-benefit p{margin:0}
#ledger-page .lp-note{padding-top:16px;border-top:1px solid #355065}
#ledger-page .lp-scenario .lp-note{font-size:13px;color:#b7cbdc;margin-bottom:0}
#ledger-page .lp-note strong{color:#dfebf3}
#ledger-page details{border-top:1px solid var(--lp-line);padding:15px 0}
#ledger-page summary{font-size:14px;font-weight:600;color:#e5edf3;cursor:pointer;line-height:1.6}
#ledger-page details[open]>summary{margin-bottom:17px}
#ledger-page .lp-details-body{font-size:14px;color:var(--lp-muted)}
#ledger-page .lp-details-body p{font-size:14px}
#ledger-page table{width:100%;border-collapse:collapse;font-size:13px;line-height:1.6;table-layout:fixed}
#ledger-page caption{text-align:left;padding:0 0 12px;font-weight:600;color:#dcebf6}
#ledger-page th,#ledger-page td{text-align:left;vertical-align:top;border-bottom:1px solid var(--lp-line);padding:12px 13px;overflow-wrap:anywhere}
#ledger-page th{color:#eef5fa;background:#0b1c2b}
#ledger-page td{color:#c9d9e5}
#ledger-page th:first-child{width:42%}
#ledger-page .lp-sources-inline{font-size:12px!important;margin:17px 0 0!important;color:#99b3c7!important}
#ledger-page .lp-quote{padding:18px 0 18px 21px;margin:18px 0;border-left:2px solid #d7bf8d;color:#e4dac4;font-size:14px}
#ledger-page .lp-value{background:#1a2c38;border:1px solid #746b42;border-radius:9px;padding:32px;margin:44px 0}
#ledger-page .lp-value .lp-eyebrow{color:var(--lp-gold)}
#ledger-page .lp-value h2{font-size:28px}
#ledger-page .lp-value p{font-size:15px;color:#cfdee8}
#ledger-page .lp-value .lp-actions{margin-bottom:0}
#ledger-page .lp-block{padding-top:32px;margin-top:40px;border-top:1px solid var(--lp-line);scroll-margin-top:25px}
#ledger-page .lp-block .lp-eyebrow{margin-bottom:12px}
#ledger-page .lp-why-grid{display:grid;grid-template-columns:1fr 1fr;gap:25px 30px;margin:28px 0}
#ledger-page .lp-why-grid h3{font-size:17px;margin-bottom:7px}
#ledger-page .lp-why-grid p{font-size:14px;color:var(--lp-muted);margin:0}
#ledger-page .lp-faq details{padding:19px 0}
#ledger-page .lp-faq summary{font-size:16px}
#ledger-page .lp-faq details p{font-size:15px;color:#c9d9e5;margin-bottom:0}
#ledger-page .lp-checklist{background:#13283a;border:1px solid #40596d;border-radius:9px;padding:30px;margin:45px 0}
#ledger-page .lp-checklist ol{padding:0;list-style:none;counter-reset:steps;margin:25px 0}
#ledger-page .lp-checklist li{counter-increment:steps;position:relative;padding:0 0 20px 42px;font-size:15px;color:#c9d9e5}
#ledger-page .lp-checklist li::before{content:counter(steps);position:absolute;left:0;top:0;background:#233f53;color:#e8f4fc;display:grid;place-items:center;width:27px;height:27px;border-radius:50%;font-size:13px}
#ledger-page .lp-checklist li:last-child{padding-bottom:0}
#ledger-page .lp-checklist strong{color:#f0f5f8}
#ledger-page .lp-source-grid{display:grid;grid-template-columns:1fr 1fr;gap:23px 30px}
#ledger-page .lp-source-grid h3{font-size:15px;margin-bottom:12px}
#ledger-page .lp-source-grid ul{padding-left:19px;margin:0;font-size:12px}
#ledger-page .lp-source-grid li{margin:0 0 8px}
#ledger-page .lp-closing{padding:37px;background:linear-gradient(120deg,#1b3346,#142431);border:1px solid #716847;border-top:3px solid var(--lp-gold);border-radius:9px;margin-top:40px;scroll-margin-top:25px}
#ledger-page .lp-closing h2{font-size:35px;max-width:610px}
#ledger-page .lp-closing .lp-price{font-size:40px;font-weight:700;color:var(--lp-gold);margin:20px 0 0}
#ledger-page .lp-price span{font-size:15px;font-weight:400;color:#d0dfe9}
#ledger-page .lp-closing .lp-small{max-width:640px}
#ledger-page .lp-footer{background:#07111c;border-top:1px solid var(--lp-line);padding:28px 0;font-size:12px;color:var(--lp-muted)}
#ledger-page .lp-footer nav{display:flex;flex-wrap:wrap;gap:10px 21px;margin-bottom:21px}
#ledger-page .lp-footer-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px}
#ledger-page .lp-footer-bottom p{margin:0}
#ledger-page .lp-skip{position:absolute;transform:translateY(-180%);background:var(--lp-gold);color:#142432;padding:10px 20px;z-index:20}
#ledger-page .lp-skip:focus{transform:none}
@media(max-width:1060px){#ledger-page .lp-header-inner{flex-wrap:wrap;gap:12px}#ledger-page .lp-hero-grid{gap:26px}#ledger-page .lp-hero h1{font-size:44px}#ledger-page .lp-layout{grid-template-columns:180px minmax(0,1fr);gap:28px}#ledger-page .lp-scenario{padding:25px}#ledger-page .lp-wrap{width:calc(100% - 48px)}}
@media(max-width:760px){#ledger-page .lp-wrap{width:calc(100% - 36px)}#ledger-page .lp-hero{padding:34px 0}#ledger-page .lp-hero-grid{grid-template-columns:1fr;gap:27px}#ledger-page .lp-hero h1{font-size:41px}#ledger-page .lp-lead{font-size:17px}#ledger-page .lp-capture{max-width:580px}#ledger-page .lp-trust{grid-template-columns:1fr;gap:16px;padding-block:23px}#ledger-page .lp-trust>div+div{border-left:0;padding-left:0}#ledger-page .lp-layout{grid-template-columns:1fr;padding-top:30px;gap:29px}#ledger-page .lp-toc{position:static}#ledger-page .lp-toc ol{columns:2;column-gap:25px}#ledger-page .lp-toc li{break-inside:avoid}#ledger-page .lp-toc-extra{display:flex!important;flex-wrap:wrap;gap:16px!important}#ledger-page .lp-toc-offer{display:none}#ledger-page .lp-scenario{padding:24px 22px}#ledger-page .lp-scenario h3{font-size:23px}#ledger-page .lp-chapter-head h2{font-size:29px}#ledger-page .lp-number{font-size:32px;min-width:35px}#ledger-page .lp-scenario-head{gap:12px}#ledger-page .lp-value,#ledger-page .lp-closing,#ledger-page .lp-checklist{padding:25px}#ledger-page .lp-closing h2{font-size:30px}#ledger-page .lp-nav{gap:7px 17px;font-size:12px}#ledger-page .lp-nav a{min-height:36px;display:flex;align-items:center}#ledger-page .lp-hero .lp-motto{font-size:9px}#ledger-page .lp-source-grid{grid-template-columns:1fr}#ledger-page .lp-answer{margin-bottom:30px}#ledger-page .lp-chapter{margin-bottom:38px}}
@media(max-width:410px){#ledger-page .lp-hero h1{font-size:36px}#ledger-page .lp-why-grid{grid-template-columns:1fr}#ledger-page .lp-actions{flex-direction:column}#ledger-page .lp-button{width:100%}#ledger-page .lp-toc ol{columns:1}#ledger-page .lp-capture-top{font-size:10px}#ledger-page .lp-scenario{padding:22px 17px}#ledger-page .lp-scenario-head{display:block}#ledger-page .lp-number{display:block;margin-bottom:12px}#ledger-page th,#ledger-page td{padding:10px 8px;font-size:12px}#ledger-page .lp-value,#ledger-page .lp-closing,#ledger-page .lp-checklist{padding:23px 19px}}
@media print{#ledger-page{--lp-bg:#fff;--lp-panel:#f4f7f9;--lp-line:#aebdca;--lp-muted:#33475a;--lp-link:#164c75;color:#102331;background:white;font-size:10pt}#ledger-page .lp-header,#ledger-page .lp-toc,#ledger-page .lp-actions,#ledger-page .lp-footer,#ledger-page .lp-breadcrumb,#ledger-page .lp-skip{display:none}#ledger-page .lp-wrap{width:100%}#ledger-page .lp-hero{background:none;padding:0 0 20px}#ledger-page .lp-hero-grid{display:block}#ledger-page .lp-capture{display:none}#ledger-page .lp-layout{display:block;padding-top:20px}#ledger-page h1{font-size:27pt}#ledger-page h2{font-size:19pt}#ledger-page h3{font-size:15pt}#ledger-page p,#ledger-page strong,#ledger-page h1,#ledger-page h2,#ledger-page h3,#ledger-page summary,#ledger-page .lp-number,#ledger-page .lp-gold,#ledger-page .lp-price,#ledger-page .lp-kicker,#ledger-page .lp-eyebrow{color:#142d42!important}#ledger-page .lp-scenario,#ledger-page .lp-value,#ledger-page .lp-checklist,#ledger-page .lp-closing{background:#f5f7f9;box-shadow:none;border:1px solid #9fb2c1}#ledger-page .lp-scenario{break-inside:auto}#ledger-page .lp-scenario-head,#ledger-page .lp-benefit{break-inside:avoid}#ledger-page .lp-benefit{background:#e6edf3!important}#ledger-page .lp-chapter{margin-bottom:20px}#ledger-page details>*{display:block!important}#ledger-page details::details-content{content-visibility:visible!important;display:block!important}#ledger-page th{background:#e4edf3;color:#142d42}#ledger-page td{color:#142d42}}

#ledger-page .lp-inline-1{margin-top:10px}
#ledger-page .lp-inline-2{margin:14px 0 0}
#ledger-page .lp-inline-3{margin:25px 0 0}
#ledger-page .lp-nav .why-use-link{color:var(--accent);border-color:var(--accent)}
#ledger-page .lp-header-inner{flex-wrap:wrap}
#ledger-page .lp-button.lp-primary{color:#10202b}
#ledger-page .lp-button.lp-primary:hover{color:#10202b}