/* Follow the device appearance, including changes while the page is open. */
:root{color-scheme:light dark;--page-bg:#faf9f6;--text:#252824;--accent:#24635e;--border:#dedfd8;--secondary:#62665e;--muted:#696f64;--link-border:#a9c1bb;--code-bg:#edf0eb;--diagram-border:#c4d3cc;--diagram-bg:#f2f5f0;--connector:#77958b;--rail-bg:#24635e;--rail-text:#fff}
@media(prefers-color-scheme:dark){:root{--page-bg:#151b19;--text:#e8eee9;--accent:#8ed3c7;--border:#36413b;--secondary:#bbc6bd;--muted:#a9b5ab;--link-border:#5b8d83;--code-bg:#29352f;--diagram-border:#43584d;--diagram-bg:#202b25;--connector:#7ca697;--rail-bg:#224b46;--rail-text:#f1f6f3}.brand img{filter:invert(1) hue-rotate(180deg)}}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--page-bg);color:var(--text);font-family:Arial,Helvetica,sans-serif;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}a:hover{color:var(--accent)}a:focus-visible,button:focus-visible{outline:2px solid var(--accent);outline-offset:6px}.wrap{width:min(880px,calc(100% - 48px));margin:auto}header{display:flex;justify-content:space-between;align-items:center;padding:34px 0;border-bottom:1px solid var(--border)}.brand{font-family:Georgia,serif;font-size:23px;letter-spacing:-.7px}nav{display:flex;gap:28px;font-size:14px;color:var(--secondary)}nav a[aria-current]{color:var(--accent)}main{padding:78px 0 90px}.intro{max-width:700px;margin-bottom:76px}.eyebrow{font-size:12px;letter-spacing:1.8px;text-transform:uppercase;color:var(--accent);margin:0 0 21px}h1,h2,h3{font-family:Georgia,'Times New Roman',serif;font-weight:400}h1{font-size:clamp(40px,6vw,64px);line-height:1.13;letter-spacing:-2px;margin:0 0 25px}.intro p:last-child{font-size:18px;line-height:1.75;color:var(--secondary);max-width:580px}.section-label{font-size:12px;text-transform:uppercase;letter-spacing:1.5px;color:var(--muted);display:flex;justify-content:space-between;border-bottom:1px solid var(--border);padding-bottom:17px}.post{display:grid;grid-template-columns:145px 1fr;gap:30px;padding:34px 0 38px;border-bottom:1px solid var(--border)}.date{font-size:14px;color:var(--muted);line-height:1.6}.category{font-size:12px;letter-spacing:1px;text-transform:uppercase;color:var(--accent);margin:0 0 12px}.post h2{font-size:30px;line-height:1.28;letter-spacing:-.6px;margin:0 0 14px}.summary{font-size:16px;line-height:1.7;color:var(--secondary);margin:0}.read{display:inline-block;font-size:14px;margin-top:21px;color:var(--accent);border-bottom:1px solid var(--link-border);padding-bottom:3px}.topics{font-size:14px;color:var(--muted);line-height:1.8;margin-top:30px}footer{display:flex;justify-content:space-between;gap:20px;padding:24px 0 34px;border-top:1px solid var(--border);color:var(--muted);font-size:13px;line-height:1.7}.article{max-width:690px;margin:auto}.article h1{font-size:clamp(36px,5.2vw,52px);letter-spacing:-1.4px}.dek{font-size:20px;color:var(--secondary);line-height:1.65}.meta{font-size:14px;color:var(--muted);margin:25px 0 37px}.article-body{font-size:18px;line-height:1.85}.article-body h2{font-size:29px;letter-spacing:-.5px;line-height:1.3;margin:43px 0 16px}.article-body p{margin:0 0 22px}.article-body a{color:var(--accent);text-decoration:underline;text-underline-offset:4px}.article-body sup{font-size:12px}.context{font-size:16px;line-height:1.75;padding:22px 0;border-top:1px solid var(--border);border-bottom:1px solid var(--border);margin:0 0 36px}.sources{padding-top:28px;margin-top:45px;border-top:1px solid var(--border);font-size:14px;line-height:1.8}.sources ol{padding-left:21px}.sources li{margin-bottom:12px}.note{color:var(--muted);font-size:14px}.article-end{display:flex;justify-content:space-between;align-items:center;margin-top:40px}.share{font:inherit;font-size:14px;border:0;border-bottom:1px solid var(--link-border);padding:5px 0;background:none;color:var(--accent);cursor:pointer}.about{max-width:660px}.about p{font-size:18px;line-height:1.85;color:var(--secondary)}.about h2{font-size:29px;margin-top:40px}.skip{position:absolute;top:-100px}.skip:focus{top:10px;background:var(--page-bg);padding:10px}@media(max-width:600px){.wrap{width:calc(100% - 40px)}header{padding:25px 0;gap:15px}.brand{font-size:20px}nav{gap:18px}main{padding:52px 0 66px}.intro{margin-bottom:50px}h1{letter-spacing:-1.3px}.post{grid-template-columns:1fr;gap:14px}.post h2{font-size:28px}.date{font-size:13px}footer{flex-direction:column;gap:4px}.article-body{font-size:17px}.dek{font-size:18px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
.brand{display:block;flex-shrink:0}.logo-desktop{display:block;position:relative;width:330px;height:56px;overflow:hidden}.logo-desktop img{position:absolute;width:340px;height:auto;max-width:none;left:-16px;top:-31px}.logo-mobile{display:none}@media(max-width:600px){.logo-desktop{display:none}.logo-mobile{display:flex;align-items:center;gap:10px}.logo-mark{position:relative;display:block;width:56px;height:42px;overflow:hidden;flex-shrink:0}.logo-mark img{position:absolute;width:240px;height:auto;max-width:none;left:-8px;top:-22px}.logo-name{font-family:Georgia,serif;font-size:18px;line-height:1.15;letter-spacing:-.35px}header{gap:12px}nav{gap:16px;font-size:14px}}@media(min-width:601px) and (max-width:760px){.logo-desktop{width:300px;height:50px}.logo-desktop img{width:306px;left:-14px;top:-29px}}

.payment-story code{font-size:.87em;overflow-wrap:anywhere;background:var(--code-bg);padding:2px 4px;border-radius:3px}.payment-map{margin:32px 0;padding:24px 20px;border:1px solid var(--diagram-border);background:var(--diagram-bg)}.map-heading{font-size:14px;letter-spacing:1px;text-transform:uppercase;color:var(--accent);margin-bottom:20px}.payment-lanes{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.payment-lane{min-width:0}.payment-lane h3{font-family:Arial,Helvetica,sans-serif;font-weight:600;font-size:16px;line-height:1.4;margin:0 0 18px}.payment-lane .flow-step{position:relative;font-size:15px;line-height:1.5;padding:16px 10px;background:var(--page-bg);border:1px solid var(--border);margin:0 0 16px;min-height:126px}.flow-step:first-of-type:after{content:"";position:absolute;width:1px;height:17px;background:var(--connector);left:50%;bottom:-17px}.flow-step span{display:block;color:var(--secondary);font-size:14px;line-height:1.5;margin-top:8px}.payment-rail{background:var(--rail-bg);color:var(--rail-text);padding:18px;font-size:16px;line-height:1.5;margin-top:8px}.payment-rail span{display:block;font-size:14px;margin-top:8px}.payment-story figcaption{font-size:14px;line-height:1.7;color:var(--secondary);margin-top:16px}.reference-image{padding:18px 0;border-top:1px solid var(--border);border-bottom:1px solid var(--border);margin-bottom:24px}.reference-image summary{cursor:pointer;font-size:16px;color:var(--accent)}.reference-image figure{margin:20px 0 0}.reference-image img{display:block;max-width:100%;height:auto;margin:auto}.reference-image summary:focus-visible{outline:2px solid var(--accent);outline-offset:4px}@media(max-width:600px){.payment-map{padding:20px 14px;margin:28px 0}.payment-lanes{grid-template-columns:1fr;gap:20px}.payment-lane{border-bottom:1px solid var(--diagram-border);padding-bottom:4px}.payment-lane .flow-step{min-height:0}.payment-lane h3{margin-bottom:12px}}

#period{font:inherit;color:var(--text);background:var(--page-bg);border:1px solid var(--border);padding:8px 12px;border-radius:4px}.metric{font-size:20px;padding:24px 0;border-bottom:1px solid var(--border)}.metric strong{font-family:Georgia,serif;font-size:48px;font-weight:400;color:var(--accent);margin-right:10px}.table-wrap{overflow-x:auto;margin-bottom:32px}table{width:100%;border-collapse:collapse;font-size:16px;line-height:1.6}th,td{padding:12px 8px;text-align:left;border-bottom:1px solid var(--border);overflow-wrap:anywhere}th:last-child,td:last-child{text-align:right;white-space:nowrap}select:focus-visible{outline:2px solid var(--accent);outline-offset:4px}