/* V195: typography-only editorial insertions; no change to original brand graphics. */
.v195-editorial{padding:clamp(32px,5vw,76px) 0;background:#fff;color:#14263d}.v195-secondary{background:#f5f8fb}.v195-editorial .shell{max-width:1160px;margin:auto;padding:0 24px}.v195-editorial h2{font-size:clamp(1.65rem,2.8vw,2.5rem);line-height:1.18}.v195-editorial h3{font-size:1.05rem;margin:.2em 0 .5em}.v195-lede{max-width:850px;font-size:1.05rem;line-height:1.67}.v195-columns,.v195-stagegrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px;margin-top:20px}.v195-stagegrid{grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}.v195-stagegrid article{border:1px solid #dce5ee;border-radius:10px;padding:18px;background:#fff}.v195-linkgrid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;margin:22px 0}.v195-linkgrid a{border:1px solid #d8e1ed;padding:14px 12px;border-radius:8px;color:#0b2d5b;font-weight:700;text-decoration:none}.v195-linkgrid a:hover,.v195-linkgrid a:focus-visible{border-color:#2f80ed;text-decoration:underline}.v195-review{max-width:920px;border-left:3px solid #0b2d5b;padding:8px 0 8px 20px;margin:26px 0}.v195-intake-choice{border:1px solid #dce5ee;border-radius:10px;padding:18px;margin:16px 0;display:grid;gap:14px}.v195-intake-choice label{display:block}.v195-intake-choice select,.v195-intake-choice textarea{box-sizing:border-box;width:100%;min-width:0;max-width:100%;margin-top:6px}.v195-intake-choice>div{display:grid;gap:12px}.v195-editorial *{hyphens:none}@media(max-width:900px){.v195-stagegrid,.v195-linkgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:620px){.v195-columns,.v195-stagegrid,.v195-linkgrid{grid-template-columns:1fr}}