.morrow-study{--lightningcss-light:initial;--lightningcss-dark: ;color-scheme:light;color:#000;background:#fff;margin:0;padding:0;font:14px -apple-system,BlinkMacSystemFont,sans-serif}.morrow-study img{max-width:100%}.morrow-study [hidden]:not([hidden=until-found i]){display:none!important}.morrow-study{background:#0d1a15;margin:0}.morrow-study *{box-sizing:border-box}.morrow-study a{color:inherit}.morrow-study a:hover{opacity:.82}.morrow-study .nf-wrap{max-width:1200px;margin:0 auto;padding:0 24px}.morrow-study .nf-wide{max-width:1360px;margin:0 auto;padding:0 24px}.morrow-study .nf-mosaic{background-image:url(/assets/newfront/510ffb11e66d0d5f.webp);background-position:50%;background-size:cover}@keyframes nfDrift{0%{transform:translate(0)scale(1)}50%{transform:translate(4%,-3%)scale(1.08)}to{transform:translate(0)scale(1)}}@keyframes nfMarquee{0%{transform:translate(0)}to{transform:translate(-50%)}}.morrow-study .nf-drift{animation:18s ease-in-out infinite nfDrift}.morrow-study .nf-drift2{animation:26s ease-in-out infinite reverse nfDrift}.morrow-study .nf-marquee{animation:52s linear infinite nfMarquee}@media(prefers-reduced-motion:reduce){.morrow-study .nf-drift,.morrow-study .nf-drift2,.morrow-study .nf-marquee{animation:none}}.morrow-study summary{cursor:pointer;list-style:none}.morrow-study summary::-webkit-details-marker{display:none}.morrow-study details[open] .nf-plus{transform:rotate(45deg)}.morrow-study input,.morrow-study select,.morrow-study textarea,.morrow-study button{font:inherit}.morrow-study input:focus,.morrow-study select:focus,.morrow-study textarea:focus{outline-offset:1px;outline:2px solid #1f8a5b}.morrow-study .nf-dd{position:relative}.morrow-study .nf-dd-btn{height:44px;color:inherit;cursor:pointer;background:0 0;border:0;align-items:center;gap:6px;padding:0;font-size:15px;display:inline-flex}.morrow-study .nf-dd-btn:hover{opacity:.82}.morrow-study .nf-dd-btn:focus-visible{outline-offset:4px;border-radius:4px;outline:2px solid #7ee2a1}.morrow-study .nf-dd-chev{transition:transform .2s}.morrow-study .nf-dd-menu{z-index:30;opacity:0;visibility:hidden;padding-top:22px;transition:opacity .18s,transform .18s,visibility 0s linear .18s;position:absolute;top:100%;left:50%;transform:translate(-50%,6px)}.morrow-study .nf-dd:hover .nf-dd-menu,.morrow-study .nf-dd.is-open .nf-dd-menu{opacity:1;visibility:visible;transition:opacity .18s,transform .18s;transform:translate(-50%)}.morrow-study .nf-dd:hover .nf-dd-chev,.morrow-study .nf-dd.is-open .nf-dd-chev{transform:rotate(180deg)}.morrow-study .nf-dd-panel{background:#17271f;border:1px solid #ffffff14;border-radius:16px;width:560px;padding:10px;box-shadow:0 24px 60px #00000061}.morrow-study .nf-dd-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:2px;display:grid}.morrow-study .nf-dd-item{color:#fff;border-radius:10px;flex-direction:column;gap:4px;padding:14px 16px;text-decoration:none;display:flex}.morrow-study .nf-dd-item:hover,.morrow-study .nf-dd-item:focus-visible{opacity:1;background:#ffffff0f;outline:none}.morrow-study .nf-dd-t{color:#fff;font-size:15px;font-weight:500}.morrow-study .nf-dd-s{color:#ffffff94;font-size:13px;line-height:1.4}.morrow-study .nf-dd-foot{color:#7ee2a1;border-top:1px solid #ffffff14;align-items:center;gap:8px;margin-top:8px;padding:14px 16px 8px;font-size:14px;font-weight:500;text-decoration:none;display:flex}@media(prefers-reduced-motion:reduce){.morrow-study .nf-dd-menu,.morrow-study .nf-dd-chev{transition:none}}.morrow-study .nf-lg{opacity:.8;background-position:50%;background-repeat:no-repeat;background-size:contain;transition:opacity .2s;display:block}.morrow-study .nf-lg:hover{opacity:1}.morrow-study .nf-lg-corgi{background-image:url(/assets/newfront/840dd49297c3590e.png)}.morrow-study .nf-lg-employers{background-image:url(/assets/newfront/766754b80d8ff455.png)}.morrow-study .nf-lg-hartford{background-image:url(/assets/newfront/05348ccf7b07d547.png)}.morrow-study .nf-lg-cna{background-image:url(/assets/newfront/f97ab3568de04a0a.png)}.morrow-study .nf-lg-chubb{background-image:url(/assets/newfront/c5e60fcbb91840ce.png)}.morrow-study .nf-lg-amtrust{background-image:url(/assets/newfront/f890764f77030028.png)}.morrow-study .nf-lg-biberk{background-image:url(/assets/newfront/778a23d2ced7ba5e.png)}.morrow-study .nf-lg-next{background-image:url(/assets/newfront/665053f3168f2046.png)}.morrow-study .nf-lg-progressive{background-image:url(/assets/newfront/89d7a929922cc263.png)}.morrow-study .nf-lg-markel{background-image:url(/assets/newfront/0e6e3344d8a3a289.png)}.morrow-study .nf-lg-travelers{background-image:url(/assets/newfront/011ae7d663a2a2da.png)}.morrow-study .nf-lg-hiscox{background-image:url(/assets/newfront/cd3e06a368d393bf.png)}.morrow-study .nf-lg-nationwide{background-image:url(/assets/newfront/6a32f5d581dcf6cb.png)}.morrow-study .nf-lg-guard{background-image:url(/assets/newfront/755e46c9ce5f6dc0.png)}.morrow-study .nf-lg-hanover{background-image:url(/assets/newfront/92143809647e749f.png)}.morrow-study .nf-lg-geico{background-image:url(/assets/newfront/0397d20bd3e53126.png)}.morrow-study .nf-book{white-space:nowrap}@media(max-width:640px){.morrow-study .nf-book{height:42px!important;padding:0 14px!important;font-size:14px!important}}.morrow-study .nf-ctabox-sec{padding-top:104px}.morrow-study .nf-ctabox{text-align:center;background:#0d1a15;border-radius:24px;justify-content:center;align-items:center;min-height:460px;padding:72px 24px;display:flex;position:relative;overflow:hidden}.morrow-study .nf-ctabox-glow{filter:blur(38px);pointer-events:none;border-radius:50%;position:absolute}.morrow-study .nf-ctabox-g1{background:radial-gradient(closest-side,#2f9e6c,#2f9e6c8c 45%,#2f9e6c00);width:68%;height:160%;top:-55%;left:-14%}.morrow-study .nf-ctabox-g2{background:radial-gradient(closest-side,#1b6f68,#1b6f6899,#1b6f6800);width:62%;height:150%;top:-45%;right:-16%}.morrow-study .nf-ctabox-g3{opacity:.7;background:radial-gradient(closest-side,#c9f07a80,#7ee2a14d 45%,#7ee2a100);width:64%;height:90%;top:45%;left:20%}.morrow-study .nf-ctabox svg.nf-ctabox-lines{pointer-events:none;width:100%;height:100%;position:absolute;inset:0}.morrow-study .nf-ctabox-in{position:relative}.morrow-study .nf-ctabox-label{letter-spacing:.14em;text-transform:uppercase;color:#ffffffb8;margin:0 0 22px;font-size:12.5px;font-weight:500}.morrow-study .nf-ctabox-h{letter-spacing:-.03em;color:#fff;max-width:760px;margin:0 auto;font-family:PT Serif,Georgia,serif;font-size:72px;font-weight:400;line-height:1.04}.morrow-study .nf-ctabox-h em{font-style:italic}.morrow-study .nf-ctabox-p{color:#fffc;max-width:560px;margin:22px auto 0;font-size:18px;line-height:1.55}.morrow-study .nf-ctabox-actions{flex-wrap:wrap;justify-content:center;align-items:center;gap:12px 20px;margin-top:36px;display:flex}.morrow-study .nf-ctabox-btn{color:#0d1a15;white-space:nowrap;background:#7ee2a1;border-radius:8px;align-items:center;gap:10px;height:50px;padding:0 22px;font-size:16px;font-weight:500;text-decoration:none;display:inline-flex}.morrow-study .nf-ctabox-call{color:#ffffffe6;text-underline-offset:4px;font-size:15.5px;-webkit-text-decoration:underline #ffffff73;text-decoration:underline #ffffff73}.morrow-study .nf-foot{color:#10201a;background:#f4f7f2;padding:88px 0 40px}.morrow-study .nf-foot-raised{z-index:3;border-radius:32px 32px 0 0;margin-top:-64px;position:relative}.morrow-study .nf-foot-top{grid-template-columns:minmax(0,4fr) minmax(0,7fr);gap:48px;display:grid}.morrow-study .nf-foot-logo{display:inline-block}.morrow-study .nf-foot-logo img{width:auto;height:22px;display:block}.morrow-study .nf-foot-tag{letter-spacing:-.015em;color:#10201a;max-width:380px;margin:24px 0 0;font-family:PT Serif,Georgia,serif;font-size:26px;line-height:1.25}.morrow-study .nf-foot-contact{color:#10201a;height:44px;font:inherit;cursor:pointer;background:#fff;border:1px solid #c7d3ca;border-radius:8px;align-items:center;gap:8px;margin-top:26px;padding:0 18px;font-size:15px;font-weight:500;display:inline-flex}.morrow-study .nf-foot-contact:hover{border-color:#10201a}.morrow-study .nf-foot-contact:focus-visible{outline-offset:2px;outline:2px solid #1f8a5b}.morrow-study .nf-foot-cols{grid-template-columns:repeat(2,minmax(0,1fr));gap:28px;font-size:15px;display:grid}.morrow-study .nf-foot-h{letter-spacing:.1em;text-transform:uppercase;color:#6b7b73;margin:0 0 16px;font-size:12px;font-weight:600}.morrow-study .nf-foot-list{flex-direction:column;gap:12px;display:flex}.morrow-study .nf-foot-list a{color:#24342c;text-decoration:none}.morrow-study .nf-foot-list a:hover{color:#10201a;text-underline-offset:3px;opacity:1;text-decoration:underline}.morrow-study .nf-foot-legal{color:#6b7b73;border-top:1px solid #d8e1da;margin:56px 0 0;padding-top:24px;font-size:12px;line-height:1.65}.morrow-study .nf-modal{-webkit-font-smoothing:antialiased;color:#10201a;background:#fff;border:0;border-radius:20px;width:min(520px,100% - 32px);padding:0;font-family:Roboto,system-ui,sans-serif;box-shadow:0 30px 80px #00000059}.morrow-study .nf-modal::backdrop{-webkit-backdrop-filter:blur(3px);backdrop-filter:blur(3px);background:#09120e8c}.morrow-study .nf-modal-in{padding:32px 32px 28px;position:relative}.morrow-study .nf-modal-x{color:#24342c;cursor:pointer;background:#f1f5f2;border:0;border-radius:50%;justify-content:center;align-items:center;width:36px;height:36px;display:flex;position:absolute;top:14px;right:14px}.morrow-study .nf-modal-x:hover{background:#e4ebe6}.morrow-study .nf-modal-h{letter-spacing:-.02em;margin:0;font-family:PT Serif,Georgia,serif;font-size:30px;font-weight:400}.morrow-study .nf-modal-p{color:#4b5d54;margin:10px 0 0;font-size:15px;line-height:1.55}.morrow-study .nf-modal-email{color:#205842;word-break:break-all;background:#f4f7f2;border:1px solid #dfe7e1;border-radius:12px;margin-top:22px;padding:14px 16px;font-size:17px;font-weight:600;text-decoration:none;display:block}.morrow-study .nf-modal-rows{flex-direction:column;gap:10px;margin-top:22px;display:flex}.morrow-study .nf-modal-row{background:#f4f7f2;border:1px solid #dfe7e1;border-radius:14px;align-items:center;gap:14px;padding:14px 14px 14px 16px;display:flex}.morrow-study .nf-modal-ic{color:#1b5a3e;background:#e2f1e7;border-radius:10px;flex:none;justify-content:center;align-items:center;width:38px;height:38px;display:flex}.morrow-study .nf-modal-txt{flex-direction:column;flex:1;gap:2px;min-width:0;display:flex}.morrow-study .nf-modal-lab{letter-spacing:.06em;text-transform:uppercase;color:#6b7b73;font-size:12px;font-weight:500}.morrow-study .nf-modal-val{color:#205842;overflow-wrap:anywhere;font-size:16.5px;font-weight:600;text-decoration:none}.morrow-study .nf-modal-mini{flex:none;gap:6px;display:flex}.morrow-study .nf-modal-mini .nf-modal-btn{height:38px;padding:0 13px;font-size:14px}@media(max-width:520px){.morrow-study .nf-modal-row{flex-wrap:wrap}.morrow-study .nf-modal-mini{width:100%;padding-left:52px}}.morrow-study .nf-modal-actions{flex-wrap:wrap;gap:10px;margin-top:18px;display:flex}.morrow-study .nf-modal-btn{height:46px;font:inherit;cursor:pointer;border-radius:10px;justify-content:center;align-items:center;gap:8px;padding:0 18px;font-size:15px;font-weight:500;text-decoration:none;display:inline-flex}.morrow-study .nf-modal-primary{color:#fff;background:#205842;border:0}.morrow-study .nf-modal-ghost{color:#10201a;background:#fff;border:1px solid #cfdad2}@media(max-width:640px){.morrow-study .nf-panel.nf-panel-open{border-radius:22px 22px 0 0!important}}.morrow-study .nf-ctabox-btn-ghost{-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px);color:#fff;background:#0d1a158c;border:1px solid #ffffff4d}.morrow-study .nf-ctabox-btn-ghost:hover{opacity:1;background:#0d1a15bf}.morrow-study .nf-ctabox-btn:focus-visible{outline-offset:3px;outline:2px solid #fff}.morrow-study .nf-wave{transform-box:view-box;transform-origin:50%;animation:13s ease-in-out infinite alternate nfWave}.morrow-study .nf-wave-b{opacity:.55;animation-duration:19s;animation-direction:alternate-reverse}@keyframes nfWave{0%{transform:translate(-2.5%,1.5%)scaleY(.92)}to{transform:translate(2.5%,-1.5%)scaleY(1.1)}}.morrow-study .nf-flow path{stroke:#c9f07a99;stroke-width:1.5px;stroke-linecap:round;stroke-dasharray:120 1700;stroke-dashoffset:1820px;animation:9s linear infinite nfFlow}@keyframes nfFlow{to{stroke-dashoffset:0}}@media(prefers-reduced-motion:reduce){.morrow-study .nf-wave{animation:none}.morrow-study .nf-flow{display:none}}.morrow-study .nf-foot-cols{grid-template-columns:minmax(0,1.35fr) repeat(3,minmax(0,1fr))!important;column-gap:24px!important}@media(max-width:1100px)and (min-width:961px){.morrow-study .nf-foot-top{gap:40px;grid-template-columns:minmax(0,1fr)!important}}.morrow-study .nf-foot-social{align-items:center;gap:8px;display:inline-flex}.morrow-study .nf-foot-ic{opacity:.85;flex:none}.morrow-study .nf-foot-linkbtn{font:inherit;color:#24342c;text-align:left;cursor:pointer;background:0 0;border:0;padding:0}.morrow-study .nf-foot-linkbtn:hover{color:#10201a;text-underline-offset:3px;text-decoration:underline}.morrow-study .nf-foot-linkbtn:focus-visible{outline-offset:2px;border-radius:2px;outline:2px solid #1f8a5b}@media(max-width:640px){.morrow-study .nf-foot-cols{row-gap:32px;grid-template-columns:repeat(2,minmax(0,1fr))!important}}.morrow-study .nf-dome{pointer-events:none;transform-origin:50% 100%;will-change:transform;background:radial-gradient(125% 100% at 50% 100%,#f4f7f2 0% 44%,#f4f7f2e6 51%,#f4f7f28c 61%,#f4f7f22e 70%,#f4f7f200 78%);height:280px;position:absolute;top:-279px;left:0;right:0}.morrow-study .nf-panel.nf-panel-dome{border-top-left-radius:0!important;border-top-right-radius:0!important}@media(max-width:640px){.morrow-study .nf-dome{height:200px;top:-199px}.morrow-study .nf-hero-tall{padding-bottom:160px!important}}.morrow-study .nf-hero-full{min-height:calc(100vh + 380px)}@supports (height:100svh){.morrow-study .nf-hero-full{min-height:calc(100svh + 380px)}}.morrow-study .nf-hl{border-top:1px solid #ffffff24;margin-top:clamp(44px,7.5vh,120px);padding-top:24px}.morrow-study .nf-hl-label{letter-spacing:.12em;text-transform:uppercase;color:#ffffffa8;margin:0 0 16px;font-size:12.5px;font-weight:500}.morrow-study .nf-hl-strip{overflow:hidden;-webkit-mask-image:linear-gradient(90deg,#0000 0,#000 7% 93%,#0000 100%);mask-image:linear-gradient(90deg,#0000 0,#000 7% 93%,#0000)}.morrow-study .nf-hl-track{align-items:center;width:max-content;animation-duration:60s;display:flex}.morrow-study .nf-hl-logo{flex:none;justify-content:center;align-items:center;height:50px;margin-right:52px;display:flex}.morrow-study .nf-hl-logo .nf-lg{filter:brightness(0)invert();opacity:.74}@media(max-width:640px){.morrow-study .nf-hl{margin-top:56px}.morrow-study .nf-hl-logo{margin-right:36px}}.morrow-study .nf-ctabox-tiles{pointer-events:none;width:100%;height:100%;position:absolute;inset:0}.morrow-study .nf-ctabox{cursor:default}.morrow-study .nf-ctabox{background:radial-gradient(130% 120% at 50% 35%,#15402f,#103326 55%,#0c271d)!important}.morrow-study .nf-ctabox .nf-ctabox-glow{display:none}.morrow-study .nf-ctabox-h,.morrow-study .nf-ctabox-p{text-shadow:0 2px 24px #0a1e16b3,0 1px 2px #0a1e1666}.morrow-study .nf-sb{background:linear-gradient(#dcefe2,#e8f3ea 40%,#f4f7f2);height:600px;margin-top:104px;position:relative;overflow:hidden}.morrow-study .nf-sb-ribbon{pointer-events:none;width:100%;height:100%;position:absolute;top:0;left:0}.morrow-study .nf-sb-in{flex-direction:column;height:100%;display:flex;position:relative}.morrow-study .nf-sb-top{justify-content:space-between;align-items:center;padding-top:56px;display:flex}.morrow-study .nf-sb-count{letter-spacing:.02em;color:#10201a;margin:0;font-size:14px;font-weight:500}.morrow-study .nf-sb-tot{color:#8a9a91}.morrow-study .nf-sb-arrows{gap:8px;display:flex}.morrow-study .nf-sb-arrow{color:#1f6b4a;cursor:pointer;background:#fff9;border:1px solid #c7d6cb;border-radius:50%;justify-content:center;align-items:center;width:34px;height:34px;display:inline-flex}.morrow-study .nf-sb-arrow:hover{background:#fff;border-color:#1f6b4a}.morrow-study .nf-sb-arrow:focus-visible,.morrow-study .nf-sb-dot:focus-visible{outline-offset:2px;outline:2px solid #1f8a5b}.morrow-study .nf-sb-slides{flex:none;height:260px;margin-top:60px;position:relative}.morrow-study .nf-sb-slide{text-align:center;perspective:1000px;pointer-events:none;flex-direction:column;align-items:center;display:flex;position:absolute;inset:0}.morrow-study .nf-sb-slide .nf-sb-num,.morrow-study .nf-sb-slide .nf-sb-cap{opacity:0;will-change:transform,opacity}.morrow-study .nf-sb-slide.is-active{pointer-events:auto}.morrow-study .nf-sb-slide.is-active .nf-sb-num,.morrow-study .nf-sb-slide.is-active .nf-sb-cap{opacity:1}.morrow-study .nf-sb-num.nf-sb-g2{background-image:linear-gradient(100deg,#0f5148,#1d8a78,#46b39a)}.morrow-study .nf-sb-num.nf-sb-g3{background-image:linear-gradient(100deg,#1d5e2c,#3f9a4a,#7cc35a)}.morrow-study .nf-sb-num{letter-spacing:-.04em;background:linear-gradient(100deg,#145c3f,#1f8a5b 45%,#3fae74);color:#0000;-webkit-background-clip:text;background-clip:text;margin:0;font-family:PT Serif,Georgia,serif;font-size:150px;font-weight:400;line-height:1}.morrow-study .nf-sb-cap{color:#10201a;max-width:440px;margin:22px 0 0;font-size:20px;line-height:1.4}.morrow-study .nf-sb-dots{justify-content:center;gap:6px;margin-top:8px;display:flex}.morrow-study .nf-sb-dot{cursor:pointer;background:#10201a2e;border:0;border-radius:2px;width:22px;height:3px;padding:0;position:relative}.morrow-study .nf-sb-dot:before{content:"";position:absolute;inset:-10px -2px}.morrow-study .nf-sb-dot.is-active{background:#1f6b4a}@media(prefers-reduced-motion:reduce){.morrow-study .nf-sb-slide{transition:none}}.morrow-study .nf-hero-fill{flex-direction:column;min-height:calc(100vh - 130px);display:flex;padding-top:0!important;padding-bottom:36px!important}@supports (height:100svh){.morrow-study .nf-hero-fill{min-height:calc(100svh - 130px)}}.morrow-study .nf-hero-fill .nf-hs-a{flex:1 1 0;min-height:48px}.morrow-study .nf-hero-fill .nf-hs-b{flex:1.25 1 0;min-height:56px}.morrow-study .nf-hero-fill .nf-hl{margin-top:0!important}@media(max-width:640px){.morrow-study .nf-hero-fill{padding-bottom:28px!important}.morrow-study .nf-hero-fill .nf-hs-a{min-height:32px}.morrow-study .nf-hero-fill .nf-hs-b{min-height:44px}}.morrow-study .nf-end{color:#fff;background:radial-gradient(120% 90% at 50% 30%,#18583f,#11432f,#0b2d20);padding:150px 0 48px;position:relative;overflow:hidden}.morrow-study .nf-end-tiles{pointer-events:none;width:100%;height:100%;position:absolute;inset:0}.morrow-study .nf-navwrap.is-stuck{top:calc(12px + env(safe-area-inset-top,0px));animation:.35s cubic-bezier(.2,.7,.2,1) both nfNavIn;left:0;right:0;z-index:300!important;position:fixed!important}.morrow-study .nf-navwrap.is-stuck nav{box-shadow:0 12px 34px #00000047!important}@keyframes nfNavIn{0%{opacity:0;transform:translateY(-14px)}to{opacity:1;transform:none}}@media(prefers-reduced-motion:reduce){.morrow-study .nf-navwrap.is-stuck{animation:none}}.morrow-study main{z-index:2;position:relative}.morrow-study .nf-tilt{transition:transform .2s;transform:rotate(-45deg)}.morrow-study a:hover>.nf-tilt{transform:rotate(-45deg)translate(2px)}.morrow-study main+.nf-end{background-origin:border-box;border-top:48px solid #0000;margin-top:-48px}.morrow-study .nf-end-cta{text-align:center;flex-direction:column;align-items:center;display:flex;position:relative}.morrow-study .nf-end-label{letter-spacing:.14em;text-transform:uppercase;color:#ffffffb3;margin:0 0 20px;font-size:12.5px;font-weight:500}.morrow-study .nf-end-h{letter-spacing:-.03em;color:#fff;text-shadow:0 2px 24px #0a1e16b3;max-width:820px;margin:0;font-family:PT Serif,Georgia,serif;font-size:84px;font-weight:400;line-height:1.03}.morrow-study .nf-end-h em{font-style:italic}.morrow-study .nf-end-p{color:#ffffffd1;text-shadow:0 1px 16px #0a1e16b3;max-width:560px;margin:22px 0 0;font-size:18px;line-height:1.55}.morrow-study .nf-end-actions{flex-wrap:wrap;justify-content:center;gap:12px;margin-top:38px;display:flex}.morrow-study .nf-end-btn{color:#0d1a15;white-space:nowrap;background:#7ee2a1;border-radius:8px;align-items:center;gap:10px;height:50px;padding:0 22px;font-size:16px;font-weight:500;text-decoration:none;display:inline-flex}.morrow-study .nf-end-btn-ghost{-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px);color:#fff;background:#0d1a1599;border:1px solid #ffffff4d}.morrow-study .nf-end-btn-ghost:hover{opacity:1;background:#0d1a15cc}.morrow-study .nf-end-btn:focus-visible{outline-offset:3px;outline:2px solid #fff}.morrow-study .nf-end-gap{height:150px}.morrow-study .nf-end .nf-foot{-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);color:#fff;background:#0a1913d1;border:1px solid #ffffff14;border-radius:22px;padding:44px 48px 30px;position:relative}.morrow-study .nf-end .nf-foot>.nf-wrap{max-width:none;padding:0}.morrow-study .nf-end .nf-foot-tag{color:#fff;font-size:20px}.morrow-study .nf-end .nf-foot-h{color:#ffffff8c}.morrow-study .nf-end .nf-foot-list a,.morrow-study .nf-end .nf-foot-linkbtn{color:#ffffffdb}.morrow-study .nf-end .nf-foot-list a:hover,.morrow-study .nf-end .nf-foot-linkbtn:hover{color:#fff}.morrow-study .nf-end .nf-foot-legal{color:#ffffff8c;border-top-color:#ffffff1f;margin-top:44px}.morrow-study .nf-end-only{padding-top:64px}.morrow-study .nf-sb-word{letter-spacing:-.035em;font-size:128px}.morrow-study .nf-pf-rule{background:#d8e1da;height:1px;position:relative}.morrow-study .nf-pf-rule span{background:#1f8a5b;width:28px;height:3px;position:absolute;top:-1px;left:0}.morrow-study .nf-pf-head{grid-template-columns:minmax(0,1fr) minmax(0,1fr);align-items:end;gap:64px;padding-top:0;display:grid}.morrow-study .nf-pf-eyebrow{letter-spacing:.07em;text-transform:uppercase;color:#10201a;margin:0 0 18px;font-size:13px;font-weight:500}.morrow-study .nf-pf-h{letter-spacing:-.025em;color:#10201a;text-wrap:balance;max-width:560px;margin:0;font-family:PT Serif,Georgia,serif;font-size:48px;font-weight:400;line-height:1.06}.morrow-study .nf-pf-lede{color:#4b5d54;max-width:470px;margin:0;font-size:16px;line-height:1.6}.morrow-study .nf-pf-tabs{grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;margin-top:52px;display:grid}.morrow-study .nf-pf-tab{text-align:left;font:inherit;cursor:pointer;background:0 0;border:0;flex-direction:column;align-items:flex-start;gap:6px;padding:0 0 16px;display:flex;position:relative}.morrow-study .nf-pf-tt{color:#8a9a91;font-size:18px;font-weight:500;transition:color .25s}.morrow-study .nf-pf-ts{color:#9aa8a0;font-size:14px;transition:color .25s}.morrow-study .nf-pf-tab:hover .nf-pf-tt{color:#24342c}.morrow-study .nf-pf-tab.is-active .nf-pf-tt{color:#10201a}.morrow-study .nf-pf-tab.is-active .nf-pf-ts{color:#4b5d54}.morrow-study .nf-pf-bar{background:#d8e1da;border-radius:2px;height:2px;position:absolute;bottom:0;left:0;right:0;overflow:hidden}.morrow-study .nf-pf-bar span{background:#1f6b4a;width:0;position:absolute;top:0;bottom:0;left:0}.morrow-study .nf-pf-tab.is-done .nf-pf-bar span{background:#9cc7ad;width:100%}.morrow-study .nf-pf-tab:focus-visible{outline-offset:6px;border-radius:4px;outline:2px solid #1f8a5b}.morrow-study .nf-pf-stage{background:radial-gradient(110% 90% at 0 0,#d4efd6,#d4efd600 55%),radial-gradient(80% 90% at 100% 15%,#2f9e6c,#2f9e6c00 60%),radial-gradient(70% 80% at 75% 100%,#0e3528,#0e352800 75%),linear-gradient(125deg,#a6dfbb,#2b8c62 55%,#0d2a20);border-radius:24px;height:600px;margin-top:28px;position:relative;overflow:hidden}.morrow-study .nf-pf-pill{z-index:3;color:#10201a;background:#fff;border-radius:999px;align-items:center;height:36px;padding:0 16px;font-size:14px;font-weight:500;display:flex;position:absolute;top:24px;right:28px}.morrow-study .nf-pf-app{color:#10201a;background:#fff;border-radius:14px;grid-template-columns:168px minmax(0,1fr);width:min(1000px,100% - 96px);display:grid;position:absolute;top:56px;bottom:-36px;left:50%;overflow:hidden;transform:translate(-50%);box-shadow:0 30px 80px #06181159}.morrow-study .nf-pf-side{color:#33443b;background:#f4f7f2;border-right:1px solid #e2e9e3;padding:20px 12px;font-size:13.5px}.morrow-study .nf-pf-logo{padding:0 8px 18px}.morrow-study .nf-pf-logo img{width:auto;height:14px;display:block}.morrow-study .nf-pf-sideh{letter-spacing:.08em;text-transform:uppercase;color:#5d6e65;padding:0 8px 8px;font-size:11px;font-weight:600}.morrow-study .nf-pf-nav{border-radius:8px;padding:8px;transition:background .25s,color .25s}.morrow-study .nf-pf-nav.is-active{color:#10201a;background:#fff;font-weight:600;box-shadow:0 1px 2px #10201a0f}.morrow-study .nf-pf-main{min-width:0;padding:22px 24px;position:relative}.morrow-study .nf-pf-panel{animation:.45s both nfPfIn}@keyframes nfPfIn{0%{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}.morrow-study .nf-pf-top{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px;display:flex}.morrow-study .nf-pf-co{font-size:18px;font-weight:600}.morrow-study .nf-pf-meta{color:#5d6e65;margin-top:2px;font-size:12.5px}.morrow-study .nf-pf-search{color:#6b7b72;border:1px solid #e2e9e3;border-radius:8px;align-items:center;width:230px;height:34px;padding:0 12px;font-size:12.5px;display:flex}.morrow-study .nf-pf-btn{color:#fff;background:#205842;border-radius:8px;align-items:center;height:34px;padding:0 14px;font-size:12.5px;font-weight:500;display:flex}.morrow-study .nf-pf-kpis{grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:18px;display:grid}.morrow-study .nf-pf-kpi{border:1px solid #e2e9e3;border-radius:10px;min-width:0;padding:12px 14px}.morrow-study .nf-pf-kl,.morrow-study .nf-pf-ks{color:#5d6e65;font-size:11.5px}.morrow-study .nf-pf-kv{font-variant-numeric:tabular-nums;margin-top:4px;font-size:22px;font-weight:600}.morrow-study .nf-pf-kv small{color:#5d6e65;font-size:12px;font-weight:500}.morrow-study .nf-pf-ks{margin-top:2px}.morrow-study .nf-pf-listh{justify-content:space-between;align-items:center;margin:22px 0 4px;font-size:13.5px;font-weight:600;display:flex}.morrow-study .nf-pf-link{color:#205842;font-size:12.5px;font-weight:500}.morrow-study .nf-pf-row{border-top:1px solid #edf1ee;grid-template-columns:minmax(0,1.6fr) minmax(0,1fr) minmax(0,1fr) 84px;align-items:center;gap:12px;padding:10px 0;display:grid}.morrow-study .nf-pf-row b{font-size:13.5px;font-weight:600;display:block}.morrow-study .nf-pf-row i{color:#5d6e65;font-size:12px;font-style:normal;display:block}.morrow-study .nf-pf-c{color:#33443b;font-size:12.5px}.morrow-study .nf-pf-n{font-variant-numeric:tabular-nums;font-size:13px;font-weight:600}.morrow-study .nf-pf-n em{color:#5d6e65;font-size:11px;font-style:normal;font-weight:400}.morrow-study .nf-pf-st{white-space:nowrap;border-radius:999px;justify-self:end;padding:3px 9px;font-size:11.5px;font-weight:600}.morrow-study .nf-pf-st.ok{color:#1b5a3e;background:#e3f2e8}.morrow-study .nf-pf-st.wait{color:#6e4a0c;background:#fbefd2}.morrow-study .nf-pf-st.open{color:#1d4e6b;background:#e2eef5}.morrow-study .nf-pf-st.done{color:#5d6e65;background:#eef1ef}.morrow-study .nf-pf-cards{z-index:2;width:280px;position:absolute;top:84px;right:36px}.morrow-study .nf-pf-card{color:#10201a;opacity:0;pointer-events:none;background:#fff;border-radius:14px;padding:18px 18px 16px;transition:opacity .45s,transform .45s;position:absolute;top:0;left:0;right:0;transform:translateY(14px)scale(.98);box-shadow:0 24px 60px #06181147}.morrow-study .nf-pf-card.is-active{opacity:1;pointer-events:auto;transform:none}.morrow-study .nf-pf-cardh{letter-spacing:.08em;text-transform:uppercase;color:#5d6e65;justify-content:space-between;align-items:center;gap:10px;font-size:11px;font-weight:600;display:flex}.morrow-study .nf-pf-cardh .nf-pf-st{letter-spacing:0;text-transform:none}.morrow-study .nf-pf-cardt{margin-top:12px;font-size:16px;font-weight:600}.morrow-study .nf-pf-cardp{color:#33443b;margin-top:6px;font-size:13px;line-height:1.5}.morrow-study .nf-pf-cardf{color:#5d6e65;border-top:1px solid #edf1ee;justify-content:space-between;align-items:center;margin-top:16px;padding-top:12px;font-size:12px;display:flex}.morrow-study .nf-pf-mini{color:#10201a;border:1px solid #d8e1da;border-radius:6px;padding:5px 11px;font-size:12px;font-weight:600}.morrow-study .nf-pf-steps{color:#8a9a91;flex-direction:column;gap:10px;margin:14px 0 0;padding:0;font-size:13px;list-style:none;display:flex}.morrow-study .nf-pf-steps li{align-items:center;gap:10px;display:flex}.morrow-study .nf-pf-steps li:before{content:"";background:#fff;border:2px solid #c7d3ca;border-radius:50%;flex:none;width:10px;height:10px}.morrow-study .nf-pf-steps li.done{color:#33443b}.morrow-study .nf-pf-steps li.done:before{background:#1f8a5b;border-color:#1f8a5b}.morrow-study .nf-pf-steps li.now{color:#10201a;font-weight:600}.morrow-study .nf-pf-steps li.now:before{background:#fbefd2;border-color:#c9901e}.morrow-study .nf-pf-steps em{color:#5d6e65;margin-left:auto;font-size:12px;font-style:normal;font-weight:400}@media(prefers-reduced-motion:reduce){.morrow-study .nf-pf-panel{animation:none}.morrow-study .nf-pf-card{transition:none}}@media(max-width:1100px){.morrow-study .nf-pf-app{width:calc(100% - 64px)}.morrow-study .nf-pf-row{grid-template-columns:minmax(0,1.5fr) minmax(0,1fr) 78px}.morrow-study .nf-pf-n{display:none}}.morrow-study .nf-num{padding-top:112px}.morrow-study .nf-num-head{grid-template-columns:minmax(0,1fr) minmax(0,1fr);align-items:end;gap:64px;padding-top:0;display:grid}.morrow-study .nf-num-h{letter-spacing:-.025em;color:#10201a;margin:0;font-family:PT Serif,Georgia,serif;font-size:48px;font-weight:400;line-height:1.06}.morrow-study .nf-num-lede{color:#4b5d54;max-width:460px;margin:0;font-size:16px;line-height:1.6}.morrow-study .nf-num-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:40px;margin-top:56px;display:grid}.morrow-study .nf-num-item{border-bottom:1px solid #c9d6cd;min-width:0;padding-bottom:26px}.morrow-study .nf-num-v{letter-spacing:-.02em;color:#10201a;margin:0;font-family:PT Serif,Georgia,serif;font-size:52px;line-height:1}.morrow-study .nf-num-l{color:#10201a;margin:18px 0 0;font-family:PT Serif,Georgia,serif;font-size:20px}.morrow-study .nf-num-d{color:#4b5d54;max-width:340px;margin:14px 0 0;font-size:15px;line-height:1.55}.morrow-study .nf-team{padding-top:112px}.morrow-study .nf-team-panel{background:#ebf1ec;border-radius:20px;padding:36px 32px 32px}.morrow-study .nf-team-h{letter-spacing:-.02em;color:#10201a;margin:0;font-family:PT Serif,Georgia,serif;font-size:40px;font-weight:400;line-height:1.1}.morrow-study .nf-team-lede{color:#4b5d54;max-width:640px;margin:14px 0 0;font-size:17px;line-height:1.55}.morrow-study .nf-team-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin-top:30px;display:grid}.morrow-study .nf-team-card{background:#14231c;border-radius:12px;margin:0;padding:10px 10px 0;overflow:hidden}.morrow-study .nf-team-card img{aspect-ratio:4/5;object-fit:cover;filter:saturate(.85)contrast(1.02);border-radius:6px;width:100%;display:block}.morrow-study .nf-team-card figcaption{text-align:center;color:#fff;padding:14px 6px 16px;font-size:15px;font-weight:500}.morrow-study .nf-team-two{grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:14px;display:grid}.morrow-study .nf-team-half{flex-direction:column;min-width:0;display:flex}.morrow-study .nf-team-h3{letter-spacing:-.015em;color:#10201a;margin:0;font-family:PT Serif,Georgia,serif;font-size:32px;font-weight:400}.morrow-study .nf-team-p{color:#4b5d54;max-width:520px;margin:14px 0 0;font-size:16.5px;line-height:1.55}.morrow-study .nf-team-vis{background:linear-gradient(160deg,#dfeae2,#cfe0d4);border-radius:14px;flex:1;min-height:330px;margin-top:28px;position:relative;overflow:hidden}.morrow-study .nf-chat{flex-direction:column;gap:10px;padding:22px;display:flex}.morrow-study .nf-chat-head{background:#fff;border-radius:12px;align-items:center;gap:10px;padding:10px 12px;display:flex;box-shadow:0 2px 8px #10201a0f}.morrow-study .nf-chat-head b{color:#10201a;font-size:14px;display:block}.morrow-study .nf-chat-head i{color:#5d6e65;font-size:12px;font-style:normal;display:block}.morrow-study .nf-chat-av{color:#fff;background:#205842;border-radius:50%;flex:none;justify-content:center;align-items:center;width:34px;height:34px;font-size:12.5px;font-weight:600;display:flex}.morrow-study .nf-chat-dot{background:#2fb36b;border-radius:50%;width:9px;height:9px;margin-left:auto;box-shadow:0 0 0 3px #2fb36b33}.morrow-study .nf-chat-msg{border-radius:14px;max-width:82%;padding:10px 13px;font-size:14px;line-height:1.45}.morrow-study .nf-chat-msg.them{color:#10201a;background:#fff;border-bottom-left-radius:4px;align-self:flex-start}.morrow-study .nf-chat-msg.us{color:#fff;background:#205842;border-bottom-right-radius:4px;align-self:flex-end}.morrow-study .nf-chat-file{background:#fff;border:1px solid #d6e2d9;border-radius:12px;align-self:flex-end;align-items:center;gap:10px;max-width:82%;padding:9px 12px;display:flex}.morrow-study .nf-chat-file b{color:#10201a;font-size:13px;display:block}.morrow-study .nf-chat-file i{color:#5d6e65;font-size:11.5px;font-style:normal;display:block}.morrow-study .nf-chat-pdf{color:#1b5a3e;background:#e3f2e8;border-radius:5px;flex:none;justify-content:center;align-items:center;width:34px;height:40px;font-size:10.5px;font-weight:700;display:flex}.morrow-study .nf-scan-docs{grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;display:grid;position:absolute;inset:18px 18px auto}.morrow-study .nf-scan-docs span{background:repeating-linear-gradient(#fff 0 9px,#fff 9px 14px),#fff;border-radius:6px;height:250px;position:relative;overflow:hidden;box-shadow:0 2px 6px #10201a0f}.morrow-study .nf-scan-docs span:before{content:"";background:repeating-linear-gradient(#c9d6cd 0 3px,#0000 3px 13px);position:absolute;inset:16px 14px}.morrow-study .nf-scan-docs span:after{content:"";background:linear-gradient(#7ee2a100,#7ee2a173 70%,#1f8a5bb3);height:38px;animation:3.6s ease-in-out infinite nfScan;position:absolute;top:-40px;left:0;right:0}.morrow-study .nf-scan-docs span:nth-child(2):after{animation-delay:.6s}.morrow-study .nf-scan-docs span:nth-child(3):after{animation-delay:1.2s}@keyframes nfScan{0%{top:-40px}60%,to{top:100%}}.morrow-study .nf-scan-card{background:#fff;border-radius:12px;width:min(380px,100% - 36px);padding:16px 18px;position:absolute;bottom:18px;left:50%;transform:translate(-50%);box-shadow:0 18px 40px #10201a2e}.morrow-study .nf-scan-top{border-bottom:1px solid #edf1ee;align-items:center;gap:10px;padding-bottom:12px;display:flex}.morrow-study .nf-scan-top b{color:#10201a;font-family:PT Serif,Georgia,serif;font-size:19px;font-weight:400;display:block}.morrow-study .nf-scan-top i{color:#5d6e65;font-size:12px;font-style:normal;display:block}.morrow-study .nf-scan-ok{color:#fff;background:#205842;border-radius:50%;flex:none;justify-content:center;align-items:center;width:22px;height:22px;font-size:12px;display:flex}.morrow-study .nf-scan-card ul{color:#33443b;flex-direction:column;gap:7px;margin:10px 0 0;padding:0;font-size:13px;list-style:none;display:flex}.morrow-study .nf-scan-card li{align-items:flex-start;gap:8px;line-height:1.4;display:flex}.morrow-study .nf-scan-card li:before{text-align:center;flex:none;width:14px;font-weight:700}.morrow-study .nf-scan-card li.done:before{content:"✓";color:#1f8a5b}.morrow-study .nf-scan-card li.flag{color:#6e4a0c;font-weight:500}.morrow-study .nf-scan-card li.flag:before{content:"!";color:#c9901e}@media(prefers-reduced-motion:reduce){.morrow-study .nf-scan-docs span:after{opacity:0;animation:none}}.morrow-study .nf-wwd{padding-top:112px}.morrow-study .nf-wwd-head{grid-template-columns:minmax(0,1fr) minmax(0,1fr);align-items:end;gap:64px;padding-top:0;display:grid}.morrow-study .nf-wwd-h{letter-spacing:-.025em;color:#10201a;margin:0;font-family:PT Serif,Georgia,serif;font-size:48px;font-weight:400;line-height:1.06}.morrow-study .nf-wwd-lede{color:#4b5d54;max-width:520px;margin:0;font-size:16px;line-height:1.6}.morrow-study .nf-wwd-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:48px;display:grid}.morrow-study .nf-wwd-card{background:#ebf1ec;border-radius:16px;flex-direction:column;min-width:0;margin:0;display:flex;overflow:hidden}.morrow-study .nf-wwd-vis{justify-content:center;align-items:center;height:250px;padding:22px;display:flex;position:relative;overflow:hidden}.morrow-study .nf-wwd-vis.v1{background:radial-gradient(90% 90% at 20% 10%,#2f9e6c,#2f9e6c00 60%),linear-gradient(150deg,#174d38,#0d2a20)}.morrow-study .nf-wwd-vis.v2{background:radial-gradient(90% 90% at 80% 0,#1b6f68,#1b6f6800 60%),linear-gradient(150deg,#13392c,#0b231a)}.morrow-study .nf-wwd-vis.v3{background:radial-gradient(90% 90% at 50% 110%,#5d8f3a,#5d8f3a00 60%),linear-gradient(150deg,#164433,#0c261c)}.morrow-study .nf-wwd-vis:after{content:"";pointer-events:none;background-image:radial-gradient(#c9f6aa29 1px,#0000 1.2px);background-size:14px 14px;position:absolute;inset:0}.morrow-study .nf-wwd-ui{z-index:1;background:#fff;border-radius:12px;width:100%;max-width:320px;padding:14px 14px 12px;transition:transform .35s;position:relative;box-shadow:0 18px 40px #0000004d}.morrow-study .nf-wwd-card:hover .nf-wwd-ui{transform:translateY(-4px)}.morrow-study .nf-wwd-uih{align-items:center;gap:10px;display:flex}.morrow-study .nf-wwd-uih b{color:#10201a;font-size:13.5px;display:block}.morrow-study .nf-wwd-uih i{color:#5d6e65;font-size:11.5px;font-style:normal;display:block}.morrow-study .nf-wwd-uih .nf-pf-st{margin-left:auto}.morrow-study .nf-wwd-doc{color:#1b5a3e;background:#e3f2e8;border-radius:5px;flex:none;justify-content:center;align-items:center;width:30px;height:36px;font-size:9.5px;font-weight:700;display:flex}.morrow-study .nf-wwd-doc.cert{color:#1d4e6b;background:#e2eef5}.morrow-study .nf-wwd-doc.claim{color:#6e4a0c;background:#fbefd2}.morrow-study .nf-wwd-list{color:#33443b;border-top:1px solid #edf1ee;flex-direction:column;gap:7px;margin:12px 0 0;padding:10px 0 0;font-size:12.5px;list-style:none;display:flex}.morrow-study .nf-wwd-list li{gap:8px;line-height:1.35;display:flex}.morrow-study .nf-wwd-list li:before{text-align:center;flex:none;width:12px;font-weight:700}.morrow-study .nf-wwd-list li.ok:before{content:"✓";color:#1f8a5b}.morrow-study .nf-wwd-list li.warn{color:#6e4a0c;font-weight:500}.morrow-study .nf-wwd-list li.warn:before{content:"!";color:#c9901e}.morrow-study .nf-wwd-rows{border-top:1px solid #edf1ee;margin-top:12px}.morrow-study .nf-wwd-rows div{color:#10201a;border-bottom:1px solid #edf1ee;justify-content:space-between;align-items:center;gap:8px;padding:8px 0;font-size:12.5px;display:flex}.morrow-study .nf-wwd-rows div:last-child{border-bottom:0}.morrow-study 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.pt-holder{font-size:12px}.morrow-study .pt-ctabs span{padding:10px 6px;font-size:10.5px}.morrow-study .pt-cbody{padding:14px}}.morrow-study .nf-why{background:radial-gradient(60% 70% at 0 0,#7ee2a133,#7ee2a100 60%),radial-gradient(55% 65% at 100% 100%,#2f9e6c52,#2f9e6c00 70%),linear-gradient(160deg,#1b3d2f,#12291f);border-radius:32px;max-width:1248px;margin:120px auto 0;padding:104px 0 112px}.morrow-study .nf-why .nf-sec-eyebrow,.morrow-study .nf-why .nf-why-role{color:#7ee2a1}.morrow-study .nf-why .nf-sec-h,.morrow-study .nf-why .nf-why-t{color:#fff}.morrow-study .nf-why .nf-sec-lede{color:#ffffffbd}.morrow-study .nf-why .nf-why-d{color:#ffffffb3}.morrow-study .nf-why .nf-why-vis{box-shadow:inset 0 0 0 1px #ffffff17}@media(max-width:1280px){.morrow-study .nf-why{margin-left:16px;margin-right:16px}}@media(max-width:640px){.morrow-study .nf-why{border-radius:24px;margin:80px 8px 0;padding:64px 0 72px}}.morrow-study .nf-anchor{height:0;scroll-margin-top:112px;display:block;overflow:hidden}.morrow-study .nf-pc:not(.sm){color:#fff;background:linear-gradient(165deg,#1f4a38,#173a2c);border:1px solid #7ee2a129;transition:border-color .25s,transform .3s cubic-bezier(.2,.7,.2,1),box-shadow .3s;position:relative}.morrow-study .nf-pc:not(.sm):hover{border-color:#7ee2a16b;transform:translateY(-2px);box-shadow:0 18px 40px #00000047}.morrow-study .nf-pc:not(.sm) .nf-pc-art{color:#7ee2a1;background:#7ee2a124;border-radius:12px;width:46px;height:46px;box-shadow:inset 0 0 0 1px #7ee2a147}.morrow-study .nf-pc:not(.sm) .nf-pc-art svg{transition:transform .3s cubic-bezier(.2,.7,.2,1)}.morrow-study .nf-pc:not(.sm):hover .nf-pc-art svg{transform:translateY(-1px)scale(1.06)}.morrow-study .nf-pc:not(.sm) .nf-pc-t{color:#fff}.morrow-study .nf-pc:not(.sm) .nf-pc-d{color:#ffffffb8}.morrow-study .nf-pc.sm{background:#ffffff09;border-color:#ffffff17}@media(max-width:1100px){.morrow-study .nf-pc:not(.sm){grid-template-columns:46px minmax(0,1fr)}}@media(prefers-reduced-motion:reduce){.morrow-study .nf-pc:not(.sm),.morrow-study .nf-pc:not(.sm) .nf-pc-art svg{transition:none}.morrow-study .nf-pc:not(.sm):hover{transform:none}}.morrow-study .nf-duo.nf-duo-in{border-top:1px solid #ffffff1f;margin-top:72px;padding-top:64px}.morrow-study .nf-duo-in .nf-duo-grid{gap:40px;max-width:920px;margin:0 auto}.morrow-study .nf-duo-in .nf-duo-t{margin-top:12px;font-size:25px}.morrow-study .nf-duo-in .nf-duo-d{min-height:0;margin-top:10px;font-size:15px}.morrow-study .nf-duo-in .nf-duo-vis{border-radius:14px;margin-top:22px}.morrow-study .nf-why .nf-duo-n{color:#7ee2a1}.morrow-study .nf-why .nf-duo-t{color:#fff}.morrow-study .nf-why .nf-duo-d{color:#ffffffb8}.morrow-study .nf-why .nf-duo-vis{box-shadow:inset 0 0 0 1px #ffffff17}@media(max-width:640px){.morrow-study .nf-duo.nf-duo-in{margin-top:56px;padding-top:48px}.morrow-study .nf-duo-in .nf-duo-t{font-size:23px}}.morrow-study .nf-ap-vc{display:block}.morrow-study .nf-ap-vframe{background:#26332d;border-radius:12px;position:absolute;inset:16px 10% 46px 12%;overflow:hidden;box-shadow:0 14px 30px #10201a38}.morrow-study .nf-ap-person{width:100%;height:100%;display:block;position:absolute;inset:0}.morrow-study .nf-ap-vtag{color:#fff;background:#0a14108c;border-radius:999px;align-items:center;gap:5px;padding:3px 8px;font-size:10.5px;font-weight:500;display:inline-flex;position:absolute;top:8px;left:8px}.morrow-study .nf-ap-vtag i{background:#7ee2a1;border-radius:50%;width:6px;height:6px;box-shadow:0 0 0 3px #7ee2a140}.morrow-study .nf-ap-self{aspect-ratio:4/3;background:radial-gradient(circle at 50% 42%,#c9a487 0 18%,#0000 19%),radial-gradient(at 50% 100%,#1f6b4a 0 38%,#0000 39%),linear-gradient(160deg,#6c7c73,#46534c);border-radius:6px;width:20%;position:absolute;top:8px;right:8px;box-shadow:0 0 0 1.5px #ffffffb3}.morrow-study .nf-ap-ctrls{gap:5px;display:flex;position:absolute;bottom:8px;right:8px}.morrow-study .nf-ap-ctrls b{color:#fff;-webkit-backdrop-filter:blur(4px);backdrop-filter:blur(4px);background:#ffffff2e;border-radius:50%;justify-content:center;align-items:center;width:22px;height:22px;display:flex}.morrow-study .nf-ap-ctrls b svg{width:12px;height:12px}.morrow-study .nf-ap-ctrls b.end{background:#e0534a}.morrow-study .nf-ap-call.mini{z-index:2;gap:10px;width:auto;max-width:78%;padding:9px 12px 9px 9px;position:absolute;bottom:14px;left:5%}.morrow-study .nf-ap-call.mini .nf-ap-ph{width:30px;height:30px}.morrow-study .nf-ap-call.mini .nf-ap-ph svg{width:14px;height:14px}.morrow-study .nf-ap-call.mini b{font-size:12.5px}.morrow-study .nf-ap-call.mini i{font-size:11px}.morrow-study .nf-ap-call.mini .nf-ap-eq{margin-left:6px}.morrow-study .pt-clm .pt-tr{grid-template-columns:92px minmax(0,1.5fr) minmax(0,1.1fr) 96px;padding-top:13px;padding-bottom:13px}.morrow-study .pt-clm .pt-th{letter-spacing:0;text-transform:none;color:#8a8e7b;padding-top:11px;padding-bottom:11px;font-size:11px;font-weight:600}.morrow-study .pt-clm .pt-holder{font-size:12.5px}.morrow-study .pt-clm .pt-tr>:last-child{justify-self:end}.morrow-study .pt-badge.rev{color:#6e4a0c;background:#fbefd2}.morrow-study .pt-badge.open{color:#1d4e6b;background:#e2eef5}.morrow-study .pt-badge.paid{color:#1b5a3e;background:#e6f3ea}.morrow-study .pt-badge.closed{color:#5d6e65;background:#eef1ef}@media(max-width:640px){.morrow-study .pt-clm .pt-tr{grid-template-columns:minmax(0,1fr) auto}.morrow-study .pt-clm .pt-tr>:first-child,.morrow-study .pt-clm .pt-tr>:nth-child(3){display:none}}.morrow-study .nf-tl{padding-top:16px}.morrow-study .nf-tl-grid{grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);align-items:start;gap:72px;display:grid}.morrow-study .nf-tl-left{padding-top:24px;position:sticky;top:132px}.morrow-study .nf-tl-left .nf-sec-eyebrow{margin:0}.morrow-study .nf-tl-left .nf-sec-h{text-align:left;margin-top:14px}.morrow-study .nf-tl-left .nf-sec-lede{text-align:left;max-width:460px;margin-left:0}.morrow-study .nf-tl-actions{flex-direction:column;align-items:flex-start;gap:16px;margin-top:32px;display:flex}.morrow-study .nf-tl-btn{color:#fff;background:#205842;border-radius:10px;align-items:center;gap:10px;height:52px;padding:0 24px;font-size:16px;font-weight:500;text-decoration:none;display:inline-flex}.morrow-study .nf-tl-btn:hover{background:#1a4b38}.morrow-study .nf-tl-btn:focus-visible{outline-offset:3px;outline:2px solid #1f8a5b}.morrow-study .nf-tl-call{color:#4b5d54;margin:0;font-size:15.5px}.morrow-study .nf-tl-call a{color:#205842;text-underline-offset:3px;font-weight:600;text-decoration:underline}.morrow-study .nf-tl-list{margin:0;padding:0;list-style:none;position:relative}.morrow-study .nf-tl-list>li:not(:last-child):before{content:"";background:#9fd3b2;width:2px;position:absolute;top:46px;bottom:0;left:22px}.morrow-study .nf-tl-list>li{grid-template-columns:46px minmax(0,1fr);gap:24px;padding-bottom:24px;display:grid;position:relative}.morrow-study .nf-tl-list>li:last-child{padding-bottom:0}.morrow-study .nf-tl-n{z-index:1;color:#1f4d3a;background:#fff;border:2px solid #2f9e6c;border-radius:50%;justify-content:center;align-items:center;width:46px;height:46px;font-size:15px;font-weight:600;display:flex;position:relative}.morrow-study .nf-tl-card{background:#fff;border:1px solid #e3e9e4;border-radius:20px;min-width:0;padding:24px 24px 22px;box-shadow:0 1px 2px #10201a08}.morrow-study .nf-tl-when{letter-spacing:.08em;text-transform:uppercase;color:#2f7a57;margin:0;font-size:12px;font-weight:600}.morrow-study .nf-tl-t{letter-spacing:-.01em;color:#10201a;margin:8px 0 0;font-family:PT Serif,Georgia,serif;font-size:26px;font-weight:400;line-height:1.15}.morrow-study .nf-tl-d{color:#4b5d54;margin:8px 0 0;font-size:15.5px;line-height:1.55}.morrow-study .nf-tl-x{margin-top:18px}.morrow-study .nf-tl-callc{border:1px solid #edf1ee;border-radius:14px;align-items:center;gap:12px;padding:12px 14px;display:flex}.morrow-study .nf-tl-av{border-radius:50%;flex:none;width:42px;height:42px;overflow:hidden;box-shadow:0 0 0 2px #fff,0 0 0 4px #2f9e6c}.morrow-study .nf-tl-av img{object-fit:cover;width:100%;height:100%}.morrow-study .nf-tl-callc b{color:#10201a;font-size:14px;display:block}.morrow-study .nf-tl-callc i{color:#5d6e65;font-variant-numeric:tabular-nums;font-size:12.5px;font-style:normal;display:block}.morrow-study .nf-tl-chips{flex-wrap:wrap;gap:8px;padding:0;list-style:none;display:flex}.morrow-study .nf-tl-chips li{color:#33443b;background:#f1f6f1;border:1px solid #e1ebe3;border-radius:999px;padding:8px 13px;font-size:13.5px}.morrow-study .nf-tl-logos{grid-template-columns:repeat(6,minmax(0,1fr));gap:8px;display:grid}.morrow-study .nf-tl-logos>span{border:1px solid #edf1ee;border-radius:10px;justify-content:center;align-items:center;height:44px;padding:7px 9px;display:flex}.morrow-study .nf-tl-logos .nf-lg{filter:grayscale()brightness(.3);opacity:1;width:100%;height:100%}.morrow-study .nf-tl-q{grid-template-columns:repeat(3,minmax(0,1fr));gap:8px;display:grid}.morrow-study .nf-tl-q>div{border:1px solid #e3e9e4;border-radius:12px;padding:12px 14px}.morrow-study .nf-tl-q>div.best{background:#f1faf4;border-color:#9fd3b2}.morrow-study .nf-tl-q small{color:#5d6e65;font-size:12.5px;display:block}.morrow-study .nf-tl-q>div{position:relative}.morrow-study .nf-tl-q .nf-lg{filter:grayscale()brightness(.3);opacity:1;background-position:0;width:86px;height:24px;margin-bottom:10px;display:block}.morrow-study .nf-tl-q b{color:#10201a;margin-top:2px;font-size:15px;font-weight:600;display:block}.morrow-study .nf-tl-q em{color:#1b5a3e;background:#d9efe0;border-radius:999px;padding:2px 7px;font-size:10.5px;font-style:normal;font-weight:600;position:absolute;top:10px;right:10px}.morrow-study .nf-tl-year{grid-template-columns:repeat(3,minmax(0,1fr));gap:8px;padding:0;list-style:none;display:grid}.morrow-study .nf-tl-year li{color:#5d6e65;border:1px solid #e3e9e4;border-radius:12px;align-items:flex-start;gap:10px;padding:12px;font-size:12.5px;line-height:1.4;display:flex}.morrow-study .nf-tl-year svg{color:#1f4d3a;background:#e3efe6;border-radius:9px;flex:none;width:30px;height:30px;padding:7px}.morrow-study .nf-tl-year b{color:#10201a;font-size:13.5px;font-weight:600;display:block}@media(max-width:1100px){.morrow-study .nf-tl-logos{grid-template-columns:repeat(3,minmax(0,1fr))}.morrow-study .nf-tl-year{grid-template-columns:minmax(0,1fr)}}@media(max-width:960px){.morrow-study .nf-tl-grid{grid-template-columns:minmax(0,1fr);gap:40px}.morrow-study .nf-tl-left{padding-top:0;position:static}}@media(max-width:640px){.morrow-study .nf-tl-list>li{grid-template-columns:36px minmax(0,1fr);gap:14px}.morrow-study .nf-tl-n{width:36px;height:36px;font-size:14px}.morrow-study .nf-tl-list>li:not(:last-child):before{top:36px;left:17px}.morrow-study .nf-tl-card{padding:20px 18px 18px}.morrow-study .nf-tl-t{font-size:23px}.morrow-study .nf-tl-q{grid-template-columns:minmax(0,1fr)}}.morrow-study .nf-consent{color:#6b7b73;margin:18px 0 0;font-size:12px;line-height:1.6}.morrow-study .nf-consent a{color:#205842;text-underline-offset:2px;text-decoration:underline}.morrow-study .nf-q-btn{border-radius:999px;box-shadow:0 10px 24px #20584238}.morrow-study .nf-human{text-align:center;color:#4b5d54;justify-content:center;align-items:center;gap:8px;margin:16px 0 0;font-size:13.5px;display:flex}.morrow-study .nf-human svg{color:#1f6b4a;flex:none}.morrow-study .nf-q-grid2>.nf-q-card+.nf-human{grid-column:2;margin-top:0}.morrow-study .nf-q-grid2{row-gap:16px}@media(max-width:960px){.morrow-study .nf-q-grid2>.nf-q-card+.nf-human{grid-column:auto}}.morrow-study .nf-lx{margin-top:40px}.morrow-study .nf-lx-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin:0;padding:0;list-style:none;display:grid}.morrow-study .nf-lx-grid li{color:#10201a;background:#f4f0e6;border-radius:16px;flex-direction:column;min-width:0;padding:18px 20px 20px;transition:transform .3s cubic-bezier(.2,.7,.2,1),background .3s;display:flex}.morrow-study .nf-lx-grid li:hover{background:#f8f5ed;transform:translateY(-3px)}.morrow-study .nf-lx-top{display:block}.morrow-study .nf-lx-n{font-variant-numeric:tabular-nums;color:#1f6b4a;font-size:12.5px;font-weight:500;display:block}.morrow-study .nf-lx-t{letter-spacing:-.01em;color:#10201a;margin:6px 0 0;font-family:PT Serif,Georgia,serif;font-size:21px;font-weight:400;line-height:1.2}.morrow-study .nf-lx-d{color:#4b5d54;margin:6px 0 0;font-size:14px;line-height:1.55}.morrow-study .nf-lx .nf-pc-actions{border-top:0;justify-content:center;margin-top:36px;padding-top:0}@media(max-width:1100px){.morrow-study .nf-lx-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:640px){.morrow-study .nf-lx{margin-top:28px}.morrow-study .nf-lx-grid{grid-template-columns:minmax(0,1fr);gap:10px}.morrow-study .nf-lx-grid li{padding:16px 18px 18px}.morrow-study .nf-lx-t{font-size:20px}}@media(prefers-reduced-motion:reduce){.morrow-study .nf-lx-grid li{transition:none}}.morrow-study .nf-indx-track.is-loop{scroll-snap-type:none;padding-left:0;padding-right:0;scroll-padding:0;-webkit-mask-image:linear-gradient(90deg,#0000 0,#000 7% 93%,#0000 100%);mask-image:linear-gradient(90deg,#0000 0,#000 7% 93%,#0000)}.morrow-study .nf-indx-track.is-loop .nf-indx-card{scroll-snap-align:none}@media(max-width:640px){.morrow-study .nf-indx-track.is-loop{-webkit-mask-image:none;mask-image:none}}.morrow-study .nf-pf-head{text-align:center;display:block!important}.morrow-study .nf-pf-head .nf-pf-h{max-width:760px;margin:0 auto;font-size:52px}.morrow-study .nf-pf-note{color:#4b5d54;max-width:560px;margin:18px auto 0;font-size:17px;line-height:1.55}.morrow-study .nf-pf-tabs .nf-pf-tab{text-align:center;align-items:center}@media(max-width:960px){.morrow-study .nf-pf-head .nf-pf-h{font-size:40px}}@media(max-width:640px){.morrow-study .nf-pf-head .nf-pf-h{font-size:32px}.morrow-study .nf-pf-note{font-size:15.5px}.morrow-study .nf-pf-tabs .nf-pf-tab{text-align:left;align-items:flex-start}}.morrow-study .nf-panel:has(>#quote){padding-bottom:0!important}.morrow-study .nf-q{color:#10201a;align-items:center;display:flex;position:relative;background:radial-gradient(60% 80% at 100% 0,#7ee2a159,#7ee2a100 60%),radial-gradient(50% 70% at 0 100%,#7ee2a12e,#7ee2a100 60%),linear-gradient(#e3eedf,#d4e4cf)!important;border-radius:32px!important;max-width:none!important;margin:120px 0 0!important;padding:88px 0!important}.morrow-study .nf-q>.nf-wrap{width:100%}.morrow-study .nf-q .nf-q-grid2{align-items:stretch}.morrow-study .nf-q .nf-q-pitch{flex-direction:column;padding-top:8px;display:flex}.morrow-study .nf-q .nf-q-eyebrow{color:#1f6b4a;letter-spacing:.1em;font-weight:600}.morrow-study .nf-q .nf-q-h{color:#10201a}.morrow-study .nf-q .nf-q-sub{color:#4b5d54;max-width:480px}.morrow-study .nf-q .nf-q-points{color:#24342c;margin-bottom:0;font-size:16.5px}.morrow-study .nf-q .nf-q-tick{color:#fff;background:#205842}.morrow-study .nf-q .nf-q-call{color:#24342c;border:0;align-items:center;gap:12px;max-width:480px;margin:14px 0 0;padding:0;font-size:16.5px;display:flex}.morrow-study .nf-q .nf-q-call a{color:#205842}.morrow-study .nf-q-call-ic{color:#205842;border:1px solid #10201a4d;border-radius:50%;flex:none;justify-content:center;align-items:center;width:22px;height:22px;display:inline-flex}.morrow-study .nf-q .nf-q-card{background:#fff!important;border:1px solid #d3e2cf!important;box-shadow:0 1px 2px #10201a0d,0 24px 60px #10201a1a!important}.morrow-study .nf-q .nf-human{color:#4b5d54;margin:4px 0 0}.morrow-study .nf-q .nf-human svg{color:#1f6b4a}@media(max-width:640px){.morrow-study .nf-q{border-radius:22px!important;margin:80px 0 0!important;padding:64px 0 72px!important}}.morrow-study.study-home .nf-end:not(.nf-end-only){padding-top:128px!important}.morrow-study.study-home .nf-end:not(.nf-end-only) .nf-end-gap{height:128px!important}@media(max-width:640px){.morrow-study.study-home .nf-end:not(.nf-end-only){padding-top:80px!important}.morrow-study.study-home .nf-end:not(.nf-end-only) .nf-end-gap{height:80px!important}}.morrow-study .nf-q{box-shadow:none}.morrow-study .nf-q-card{border:1px solid #d6e1d3;background:#fff!important;box-shadow:0 1px 2px #10201a0a,0 20px 48px #10201a12!important}.morrow-study .nf-q-card .nf-q-f input,.morrow-study .nf-q-card .nf-q-f select,.morrow-study .nf-q-card .nf-q-f textarea,.morrow-study .nf-q-card .st-input{background:#fbfcfa;border-color:#d3ddd1}.morrow-study .nf-q-card .nf-consent{color:#53655b}.morrow-study .nf-tl-grid{grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:80px}.morrow-study .nf-tl-left{padding-top:0;position:static}.morrow-study .nf-tl-btn{border-radius:999px;height:50px;padding:0 22px;font-size:15.5px}.morrow-study .nf-tl-call a{border-bottom:1px solid #9fc7b0;text-decoration:none}.morrow-study .nf-qt{margin:0;padding:0;list-style:none;position:relative}.morrow-study .nf-qt>li{grid-template-columns:28px minmax(0,1fr);gap:22px;padding-bottom:34px;display:grid;position:relative}.morrow-study .nf-qt>li:last-child{padding-bottom:0}.morrow-study .nf-qt>li:not(:last-child):before{content:"";background:#cfe0d4;width:1px;position:absolute;top:30px;bottom:4px;left:13px}.morrow-study .nf-qt-dot{color:#1f4d3a;font-variant-numeric:tabular-nums;background:#fff;border:1px solid #9fc7b0;border-radius:50%;justify-content:center;align-items:center;width:28px;height:28px;font-size:12px;font-weight:600;display:flex}.morrow-study .nf-qt-when{letter-spacing:.08em;text-transform:uppercase;color:#8a9a91;margin-top:2px;font-size:12px;font-weight:600;display:block}.morrow-study .nf-qt-t{letter-spacing:-.005em;color:#10201a;margin:2px 0 0;font-family:PT Serif,Georgia,serif;font-size:25px;font-weight:400;line-height:1.15}.morrow-study .nf-qt-d{color:#4b5d54;max-width:480px;margin:6px 0 0;font-size:15.5px;line-height:1.55}@media(max-width:960px){.morrow-study .nf-tl-grid{grid-template-columns:minmax(0,1fr);gap:40px}}@media(max-width:640px){.morrow-study .nf-qt>li{gap:16px;padding-bottom:28px}.morrow-study .nf-qt-t{font-size:22px}}.morrow-study .nf-q-card .nf-consent{text-align:center;margin:14px 0 0;font-size:11.5px;line-height:1.55}.morrow-study .nf-q-btn{margin-top:22px}.morrow-study .nf-pf-head{grid-template-columns:minmax(0,1fr)}.morrow-study .nf-pf-stage{height:640px}.morrow-study .nf-pf-app{top:92px!important}.morrow-study .nf-soon{z-index:3;-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);color:#fff;white-space:nowrap;background:#12291fe0;border-radius:999px;align-items:center;gap:12px;padding:6px 8px 6px 6px;display:flex;position:absolute;top:26px;left:50%;transform:translate(-50%)}.morrow-study .nf-soon-k{color:#0d1a15;letter-spacing:.02em;background:#7ee2a1;border-radius:999px;padding:4px 10px;font-size:11.5px;font-weight:600}.morrow-study .nf-soon-t{font-size:13.5px;font-weight:500}.morrow-study .nf-soon-ic{background:#fff;border-radius:50%;flex:none;justify-content:center;align-items:center;width:26px;height:26px;display:flex}.morrow-study .nf-soon-ic img{width:15px;height:15px;display:block}.morrow-study .nf-soon-ic+.nf-soon-ic{margin-left:-6px}@media(max-width:960px){.morrow-study .nf-pf-stage{height:auto}.morrow-study .nf-pf-app{top:auto!important}.morrow-study .nf-soon{width:max-content;max-width:100%;margin:0 auto 14px;position:relative;top:auto;left:auto;transform:none}}@media(max-width:640px){.morrow-study .nf-soon{white-space:normal;gap:8px;padding:6px 8px 6px 6px}.morrow-study .nf-soon-k{white-space:nowrap}.morrow-study 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b{font-size:21px}.morrow-study .nf-wm-row{grid-template-columns:34px minmax(0,1fr)}.morrow-study .nf-wm-stage{border-radius:18px;height:440px}.morrow-study .nf-wm-panel{padding:16px}.morrow-study .nf-wm-faces{gap:8px}.morrow-study .nf-wm-faces figcaption{padding:8px 9px 10px}.morrow-study .nf-wm-faces figcaption b{font-size:12px}.morrow-study .nf-wm-faces figcaption span{display:none}.morrow-study .nf-wm-card{padding:20px}.morrow-study .nf-wm-sr{grid-template-columns:84px minmax(0,1fr) 62px;font-size:12.5px}.morrow-study .nf-wm-q{grid-template-columns:62px minmax(0,1fr) 40px;gap:8px}.morrow-study .nf-wm-qc .nf-lg{width:62px;height:16px}.morrow-study .nf-wm-pst b{font-size:28px}.morrow-study .nf-wm-reach{border-radius:18px;flex-direction:column;gap:8px;padding:10px}.morrow-study .nf-wm-reach-k{margin:0;font-size:12.5px}.morrow-study .nf-wm-rc{gap:5px;height:30px;padding:0 9px;font-size:12px}.morrow-study .nf-wm-rc svg{width:13px;height:13px}.morrow-study 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