
:root{--ink:#152b40;--text:#344b5e;--muted:#536676;--paper:#faf8f3;--white:#fff;--soft:#f0ede5;--line:#d8dcd9;--accent:#ffc29e;--gold:#efd09a;--max:1280px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:26px}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.65 Arial,Helvetica,sans-serif}a{color:inherit}button,input,select{font:inherit}button,a,summary,select{touch-action:manipulation;-webkit-tap-highlight-color:transparent}button{cursor:pointer}svg{display:block;max-width:100%}button svg,a svg{flex:none}a:focus-visible,button:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #c45b26;outline-offset:5px}.wrap{width:min(var(--max),calc(100% - 112px));margin-inline:auto}.skip{position:absolute;top:-100px;left:20px;padding:12px 18px;background:white;color:var(--ink);z-index:50}.skip:focus{top:12px}.preview-banner{background:#ebe8e0;color:#455666;font-size:11px}.preview-banner .wrap{display:flex;justify-content:space-between;gap:16px;padding-block:7px}.header{position:relative;display:flex;align-items:center;justify-content:space-between;gap:30px;padding-block:22px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-size:26px;font-weight:700;letter-spacing:-1.3px;white-space:nowrap}.brand svg{width:36px;height:36px}.brand .ai{font-weight:400;color:#687c88}.nav{display:flex;gap:30px;align-items:center}.nav a{text-decoration:none;font-size:13px;font-weight:600}.nav a:hover{text-decoration:underline;text-underline-offset:6px}.button{display:inline-flex;align-items:center;justify-content:center;gap:20px;min-height:55px;border:1px solid var(--ink);border-radius:3px;background:var(--ink);color:white;text-decoration:none;padding:15px 23px;font-size:14px;font-weight:600;line-height:1.4;transition:background .18s,transform .18s}.button:hover{background:#26485f;transform:translateY(-2px)}.button svg,.text-link svg{width:19px;height:19px;transition:transform .18s}.button:hover svg,.text-link:hover svg{transform:translateX(3px)}.button.small{min-height:44px;padding:11px 17px;font-size:12px;gap:14px}.button.light{background:var(--accent);border-color:var(--accent);color:var(--ink)}.button.light:hover{background:#ffd2b6}.menu-button{display:none;min-width:44px;min-height:44px;background:none;color:var(--ink);border:1px solid #a9b2b8;border-radius:3px}.menu-button svg{width:22px;height:22px;margin:auto}.eyebrow{display:flex;align-items:center;gap:13px;font-size:10px;line-height:1.5;font-weight:700;letter-spacing:1.9px;text-transform:uppercase;margin:0 0 24px}.eyebrow:before{content:"";height:1px;width:28px;background:currentColor}.hero-shell{background:var(--ink);color:var(--paper);overflow:hidden}.hero{display:grid;grid-template-columns:.85fr 1.15fr;gap:40px 70px;padding-top:52px;padding-bottom:46px;align-items:center}.hero-heading{grid-column:1/-1}.hero-heading .eyebrow{color:#aebfc9;margin-bottom:24px}.hero h1{font-weight:500;font-size:clamp(34px,3.65vw,53px);line-height:1.22;letter-spacing:-1.9px;margin:0}.hero h1>span{display:block}.hero h1>span+span{margin-top:4px}.hero h1>span:last-child{font-family:Georgia,'Times New Roman',serif;font-style:italic;font-weight:400;color:var(--gold);font-size:1.02em;letter-spacing:-1.8px;margin-top:9px}.hero-copy{min-width:0;align-self:center}.hero-copy>p{font-size:17px;line-height:1.8;color:#e1e7e9;margin:0 0 26px;max-width:505px}.hero-actions{display:flex;gap:22px;align-items:center;flex-wrap:wrap}.hero-actions .button{background:var(--accent);border-color:var(--accent);color:var(--ink);font-size:15px}.hero-actions .button:hover{background:#ffd7bd}.text-link{display:inline-flex;align-items:center;gap:10px;font-size:13px;line-height:1.6;font-weight:600;text-decoration:none;border-bottom:1px solid currentColor;padding-bottom:3px}.hero-actions .text-link{color:#e1e7e9}.reassurance{display:flex;flex-wrap:wrap;align-items:center;gap:6px 15px;color:#dbe3e8;font-size:12px;margin-top:20px}.reassurance span{display:flex;gap:6px;align-items:center}.reassurance svg{width:14px;height:14px;color:var(--gold)}.existing-policy-link{display:inline-block;font-size:12px;margin-top:20px;color:#d6e0e5;text-underline-offset:5px}.hero-photo{position:relative;margin:0;min-width:0;align-self:stretch}.hero-photo>img{display:block;width:100%;height:100%;min-height:335px;object-fit:cover;object-position:50% 42%;border-radius:0}.hero-photo figcaption{position:absolute;bottom:27px;left:-22px;background:var(--paper);color:var(--ink);padding:17px 22px;border-left:3px solid #e2a777;box-shadow:0 6px 30px #08172315;max-width:calc(100% - 15px)}.hero-photo figcaption strong{display:block;font-size:13px;font-weight:600;line-height:1.5}.hero-photo figcaption span{display:block;font-size:11px;color:var(--muted);margin-top:2px;line-height:1.4}.hero-photo .photo-credit{position:absolute;bottom:5px;right:9px;margin:0;background:#152b40db;color:white;padding:2px 6px;font-size:8px;line-height:1.4}.hero-photo .photo-credit a{text-underline-offset:2px}.promise-row{display:grid;grid-template-columns:repeat(3,1fr);gap:35px;padding-block:30px;border-bottom:1px solid var(--line)}.promise{display:flex;align-items:center;gap:16px}.promise-icon{display:none}.promise:before{content:"";height:30px;width:2px;background:#c47a4d;flex:none}.promise strong{font-size:13px;font-weight:600;display:block;line-height:1.5}.promise p{font-size:11px;color:var(--muted);margin:4px 0 0}.section-title{font:400 clamp(32px,3.4vw,48px)/1.1 Georgia,'Times New Roman',serif;letter-spacing:-1.6px;margin:0 0 20px}.section-intro{color:var(--muted);font-size:15px;line-height:1.8;margin:0;max-width:550px}.section{padding-block:88px}.journey{padding-block:90px 5px}.journey-heading{display:grid;grid-template-columns:1.15fr .85fr;gap:85px;align-items:end;margin-bottom:42px}.journey-heading .section-title{margin:0}.journey-heading .section-intro{max-width:460px}.journey-track{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:32px;margin:0;padding:0;list-style:none}.journey-step{position:relative;min-width:0}.journey-step:not(:last-child):after{content:"";position:absolute;height:1px;left:70px;right:-13px;top:32px;background:#b8c0c3}.journey-step:nth-child(3):after{background:none;border-top:1px dashed #b8c0c3}.journey-number{display:block;font-family:Georgia,'Times New Roman',serif;font-size:48px;line-height:1.2;letter-spacing:-2.5px;font-weight:400;margin-bottom:25px;color:#71848f}.optional-step .journey-number{color:#a65a35}.journey-card{padding:0 6px 0 0;border:0;border-radius:0;background:none}.journey-kicker{display:block;color:var(--muted);font-size:9px;font-weight:700;line-height:1.6;text-transform:uppercase;letter-spacing:1.4px}.journey-card h3{font-size:18px;line-height:1.3;letter-spacing:-.5px;margin:12px 0 13px}.journey-card p{color:var(--muted);font-size:13px;line-height:1.8;margin:0}.journey-card .text-link{font-size:11px;margin-top:16px}.journey-outcome{margin-top:40px;border-block:1px solid var(--line);padding:28px 0;display:grid;grid-template-columns:1.15fr .85fr;gap:85px;align-items:center}.journey-outcome>div>p{font:400 28px/1.35 Georgia,serif;letter-spacing:-.6px;margin:8px 0 0}.journey-outcome>div>p span{color:#78553f}.journey-outcome-detail{display:flex;align-items:center;justify-content:space-between;gap:25px}.journey-outcome .journey-outcome-detail>p{font:12px/1.75 Arial,Helvetica,sans-serif;letter-spacing:normal;color:var(--muted);margin:0;max-width:240px}.journey-outcome-detail .button{font-size:11px;padding:13px 16px;min-height:45px;white-space:nowrap;gap:10px}.journey-terms{color:var(--muted);font-size:11px;line-height:1.8;margin:19px 0 0;max-width:1100px}.split-heading{display:flex;align-items:flex-end;justify-content:space-between;gap:50px;margin-bottom:32px}.split-heading>div{max-width:750px}.split-heading .text-link{margin-bottom:6px;white-space:nowrap}.vehicle-grid{display:grid;grid-template-columns:1fr 1fr;column-gap:55px}.vehicle{display:flex;align-items:center;gap:20px;text-align:left;border:0;border-top:1px solid #c6cdcf;border-radius:0;background:transparent;padding:24px 0;color:var(--ink);min-height:101px;transition:background .18s,padding .18s}.vehicle:nth-last-child(-n+2){border-bottom:1px solid #c6cdcf}.vehicle:hover{background:#efece4;padding-inline:15px}.vehicle-label{display:block;font-size:20px;line-height:1.35;letter-spacing:-.4px;font-weight:500}.vehicle-sub{display:block;font-size:12px;color:var(--muted);margin-top:6px}.vehicle .arrow{width:22px;height:22px;margin-left:auto}.vehicle-note{font-size:11px;line-height:1.75;color:var(--muted);margin:18px 0 0}.help-strip{display:grid;grid-template-columns:1fr 1.15fr;gap:65px;border-left:3px solid #d8a074;background:#f0ece3;padding:30px 35px;margin-top:36px;align-items:center}.help-strip h3{font:400 25px/1.25 Georgia,serif;letter-spacing:-.6px;margin:0}.help-strip p{font-size:13px;line-height:1.8;color:var(--text);margin:0}.premium-shell{background:#e9cba1;color:var(--ink)}.premium{display:grid;grid-template-columns:1fr .8fr;gap:35px 100px;padding-block:74px 30px;align-items:center}.premium .eyebrow{color:#5f4d3a}.premium .section-title{font-size:clamp(37px,3.8vw,54px);max-width:580px;letter-spacing:-1.8px}.premium p{color:#3e4b52;font-size:15px;line-height:1.8;max-width:550px;margin:0 0 24px}.premium-actions{display:flex;flex-wrap:wrap;gap:22px;align-items:center}.premium-actions .button.light{background:var(--ink);color:white;border-color:var(--ink)}.premium-actions .button.light:hover{background:#29495c}.premium-small{font-size:11px!important;max-width:510px!important;line-height:1.75!important;margin:20px 0 0!important}.premium-visual{border-left:1px solid #a99276;padding-left:55px;align-self:stretch;display:flex;flex-direction:column;justify-content:center}.premium-brand{display:flex;align-items:center;gap:10px;font-size:12px;font-weight:600}.premium-brand svg{width:23px;height:23px}.premium-period{display:flex;align-items:baseline;gap:12px;font:400 190px/.95 Georgia,serif;letter-spacing:-12px;margin:10px 0 16px}.premium-period>span{font:400 30px/1.1 Georgia,serif;letter-spacing:-1px}.premium-visual p{font-size:12px;max-width:310px;margin:0 0 18px;line-height:1.8}.premium-items{border-top:1px solid #ad997d;padding-top:16px;display:flex;flex-direction:column;gap:9px}.premium-item{display:flex;align-items:center;gap:9px;font-size:11px}.premium-item svg{width:15px;height:15px}.premium-details{grid-column:1/-1;border-top:1px solid #ad997d;margin-top:15px;padding-top:13px}.premium-details summary{font-size:12px;cursor:pointer;min-height:38px;padding-top:7px}.premium-details[open] summary{margin-bottom:16px}.premium-details p{font-size:13px;max-width:1000px;margin-bottom:17px}.premium-details a{text-underline-offset:3px}.faq-section{display:grid;grid-template-columns:.85fr 1.15fr;gap:100px}.faq-intro .section-title{max-width:330px}.faq-intro p{font-size:14px;line-height:1.8;color:var(--muted);max-width:290px}.faq-list details{border-bottom:1px solid #c8cfd2}.faq-list details:first-child{border-top:1px solid #c8cfd2}.faq-list summary{list-style:none;font-size:14px;font-weight:600;line-height:1.5;position:relative;cursor:pointer;padding:22px 35px 22px 0}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:"+";font-size:22px;position:absolute;right:1px;top:19px;font-weight:400}.faq-list details[open] summary:after{content:"−"}.faq-list details p{color:var(--muted);font-size:13px;line-height:1.85;margin:0 28px 24px 0}.last-cta{display:grid;grid-template-columns:1fr auto;gap:40px;align-items:center;background:var(--ink);color:var(--paper);padding:42px 45px;margin-bottom:70px}.last-cta .section-title{font-size:37px;margin-bottom:12px}.last-cta p{font-size:13px;margin:0;color:#cad5dd}.last-cta .button{background:var(--accent);color:var(--ink);border-color:var(--accent)}.last-cta .button:hover{background:#ffd7bd}.footer{border-top:1px solid var(--line);padding:40px 0 25px}.footer-top{display:flex;justify-content:space-between;gap:40px;align-items:flex-start}.footer .brand{font-size:23px}.footer .brand svg{width:31px;height:31px}.footer-copy{font-size:12px;color:var(--muted);line-height:1.85;margin:15px 0 0;max-width:460px}.footer-links{display:flex;gap:25px;flex-wrap:wrap;font-size:12px;padding-top:10px}.footer-links a{text-decoration:none}.footer-links a:hover{text-decoration:underline}.footer-details{border-top:1px solid var(--line);padding-top:14px;margin-top:22px;max-width:1000px}.footer-details summary{font-size:12px;min-height:32px;cursor:pointer}.footer-details p{font-size:13px;color:var(--muted);line-height:1.8}.footer-details h3{font-size:15px;margin:20px 0 7px}.footer-bottom{display:flex;justify-content:space-between;gap:24px;border-top:1px solid var(--line);padding-top:22px;margin-top:25px;color:var(--muted);font-size:10px}.state-box{max-width:380px;margin-top:20px}.state-box label{display:block;font-size:13px;margin-bottom:7px}.state-box select{font-size:16px;min-height:46px;padding:10px;width:100%;color:var(--ink);background:white;border:1px solid #9aa9b0;border-radius:3px}.state-answer{font-size:13px;min-height:45px;margin:10px 0 0}.dialog{width:min(510px,calc(100% - 32px));border:1px solid var(--line);border-radius:5px;padding:38px;color:var(--ink);background:var(--paper);box-shadow:0 20px 90px #0003}.dialog::backdrop{background:#101e2cc7}.dialog .close{position:absolute;right:12px;top:10px;min-width:44px;min-height:44px;border:0;background:none;font-size:26px;color:var(--ink)}.dialog h2{font:400 31px/1.2 Georgia,serif;letter-spacing:-.8px;margin:10px 0 18px}.dialog p{font-size:14px;line-height:1.8;color:var(--muted)}.dialog .draft-note{background:#eee9df;padding:14px 17px;font-size:13px;margin-block:23px}.dialog small{display:block;font-size:12px;color:var(--muted);margin-top:16px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
@media(min-width:1500px){.hero h1{font-size:55px}}
@media(max-width:1150px){.wrap{width:calc(100% - 72px)}.nav{gap:20px}.header{gap:20px}.hero{gap:32px 45px}.hero h1{font-size:3.85vw}.hero-copy>p{font-size:16px}.hero-photo>img{min-height:365px}.hero-actions{gap:18px}.hero-actions .button{font-size:13px;padding-inline:17px}.hero-actions .text-link{font-size:12px}.journey-heading,.journey-outcome{gap:45px}.journey-track{gap:22px}.journey-card h3{font-size:17px}.journey-outcome-detail{display:block}.journey-outcome-detail>p{max-width:none;margin-bottom:15px}.premium{gap:35px 55px}.premium-visual{padding-left:40px}.faq-section{gap:60px}}
@media(max-width:900px){.wrap{width:calc(100% - 48px)}.header{gap:13px}.header>.button.small{margin-left:auto}.menu-button{display:block}.nav{display:none;position:absolute;top:calc(100% - 10px);right:0;left:0;background:var(--paper);border:1px solid #bfc8ce;padding:25px;z-index:12;box-shadow:0 10px 25px #101e2c22}.nav.open{display:flex;flex-direction:column;align-items:stretch;gap:0}.nav a{padding:12px;min-height:44px}.hero{grid-template-columns:1fr 1fr;gap:30px;padding-top:38px}.hero h1{font-size:clamp(30px,4vw,37px);letter-spacing:-1px}.hero h1>span:last-child{letter-spacing:-1px}.hero-copy>p{font-size:15px;line-height:1.75}.hero-photo>img{min-height:355px}.hero-photo figcaption{left:-10px;bottom:28px;padding:14px 16px}.hero-photo figcaption strong{font-size:12px}.hero-photo figcaption span{font-size:10px}.promise-row{gap:24px}.promise{gap:11px}.promise strong{font-size:12px}.promise p{font-size:10px}.section{padding-block:66px}.journey{padding-top:65px}.journey-heading{gap:30px}.journey-track{grid-template-columns:1fr 1fr;gap:30px}.journey-step:nth-child(2):after{display:none}.journey-card h3{font-size:19px}.journey-card p{font-size:14px}.journey-number{margin-bottom:18px}.journey-outcome{gap:35px}.split-heading{align-items:flex-start;flex-direction:column;gap:20px}.vehicle-grid{column-gap:30px}.vehicle-label{font-size:18px}.help-strip{gap:30px;padding:28px}.premium{gap:30px 35px;padding-top:55px}.premium-visual{padding-left:30px}.premium .section-title{font-size:38px}.premium p{font-size:14px}.premium-period{font-size:150px}.premium-period>span{font-size:25px}.premium-brand{font-size:10px}.premium-item{font-size:10px;line-height:1.6}.faq-section{gap:45px}.last-cta{padding:32px;gap:25px}.last-cta .section-title{font-size:32px}.footer-top{flex-direction:column;gap:20px}.footer-links{padding-top:0}}
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@media(max-width:360px){.wrap{width:calc(100% - 32px)}.preview-banner{font-size:8px}.brand{font-size:22px}.hero h1{font-size:28px}.hero-actions{gap:15px}.hero-actions .button{font-size:12px;padding-inline:15px;gap:12px}.hero-actions .text-link{font-size:11px}.reassurance{display:block}.reassurance span+span{margin-top:5px}.hero-copy>p{font-size:14px}.journey-step{gap:14px}.premium .section-title{font-size:35px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}

.contact-link{border:0;padding:0;background:none;color:inherit;font:inherit;cursor:pointer;text-align:left}.contact-link:hover{text-decoration:underline}

/* Site additions to the approved lightweight design. */
a.property{text-decoration:none}.hero .hero-disclosure{font-size:12px;line-height:1.65;color:#dbe3e8;margin-top:18px;max-width:520px}.hero .hero-disclosure a{text-underline-offset:3px}.hero .hero-disclosure strong{color:white}.site-notice{background:#eee8da;color:#344b5e;font-size:12px}.site-notice .wrap{padding-block:9px}.breadcrumb{padding-block:22px;font-size:12px;color:var(--muted)}.breadcrumb a{text-underline-offset:4px}.page-hero{padding:32px 0 46px;border-bottom:1px solid var(--line)}.page-hero h1{font:400 clamp(36px,4.8vw,64px)/1.1 Georgia,serif;letter-spacing:-1.9px;max-width:1050px;margin:0 0 24px}.page-hero .lede{font-size:18px;max-width:790px;color:var(--text);line-height:1.8}.page-meta{font-size:12px;color:var(--muted);margin-top:24px}.article-layout{display:grid;grid-template-columns:minmax(0,800px) 250px;gap:80px;align-items:start;padding-block:48px 72px}.prose{font-size:17px;line-height:1.85;min-width:0}.prose h2{font:400 34px/1.2 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h2,.prose .end-cta h2{margin:0 0 15px;color:white;font-size:30px}.article-sidebar{position:sticky;top:24px;font-size:13px;border-top:3px solid #bd8259;padding-top:18px}.article-sidebar h2{font-size:14px;margin:0 0 15px}.article-sidebar ol{padding-left:18px}.article-sidebar li{margin:10px 0}.article-sidebar a{display:inline-block;text-decoration:none;line-height:1.5}.article-sidebar a:hover{text-decoration:underline}.article-sidebar .button{margin-top:12px;font-size:12px;width:100%;min-height:48px}.article-sidebar .muted{font-size:12px;margin-top:14px}.muted{color:var(--muted)}.sources{border-top:1px solid var(--line);padding-top:24px;margin-top:34px;font-size:13px;line-height:1.6}.sources h2{font-size:23px;margin-top:0}.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:30px;margin-block:35px}.guide-card{border-top:2px solid #a97450;padding:22px 0 24px;display:flex;flex-direction:column;align-items:flex-start}.guide-card 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p{font-size:15px}.handoff .button{background:var(--ink);color:white}.consent-copy{background:#f0ede5;border-left:3px solid #a97450;padding:22px;margin-block:25px;font-size:15px}.footer-bottom a{text-underline-offset:3px}.footer-links{max-width:640px;column-gap:22px;row-gap:14px}.footer-service{font-size:12px;color:var(--muted);max-width:1000px;margin-top:25px;line-height:1.8}.related{border-top:1px solid var(--line);padding-top:35px}.reading-progress{position:fixed;inset:0 auto auto 0;height:3px;background:#bd8259;z-index:40;width:0;pointer-events:none}.noindex-note{font-size:12px;color:#5f6f7b}.footer .brand span{display:inline}.footer .brand .ai{color:#687c88}.mobile-quote{display:none}
@media(max-width:1100px){.article-layout{grid-template-columns:minmax(0,1fr) 220px;gap:40px}.nav{gap:18px}.nav a{font-size:12px}}
@media(max-width:900px){.article-layout{grid-template-columns:1fr;gap:30px}.article-sidebar{position:static;grid-row:1;padding:20px;background:#eeeae1}.article-sidebar ol{columns:2}.article-sidebar .button{width:auto}.guide-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.page-hero{padding-bottom:30px}.page-hero h1{font-size:45px}.article-layout{padding-top:30px}.nav a{font-size:14px}}
@media(max-width:640px){.page-hero h1{font-size:37px;letter-spacing:-1px}.page-hero .lede{font-size:16px}.prose{font-size:16px;line-height:1.85}.prose h2{font-size:29px}.prose h3{font-size:20px}.article-sidebar ol{columns:1}.guide-grid{grid-template-columns:1fr;gap:8px}.guide-card h2,.guide-card h3{font-size:27px}.inline-cta,.end-cta,.handoff,.form-placeholder{padding:23px}.breadcrumb{font-size:11px}.flow-step{grid-template-columns:35px 1fr;gap:15px}.flow-step .step-num{font-size:32px}.footer-links{gap:13px 20px}.site-notice{font-size:11px}.mobile-quote{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:20;background:#faf8f3f5;border-top:1px solid var(--line);padding:10px 20px;box-shadow:0 -4px 20px #152b4010}.mobile-quote .button{width:100%;min-height:46px;padding:12px;font-size:13px}.footer{padding-bottom:100px}.hero .hero-disclosure{font-size:12px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}.button:hover{transform:none}}
@media(min-width:901px){.article-sidebar{max-height:calc(100vh - 48px);overflow:auto;padding-right:8px}}
.toc summary{font-weight:700;font-size:14px;cursor:pointer;padding:6px 0;min-height:38px}.toc[open] summary{margin-bottom:10px}
/* Keep multi-line contents links aligned with the first line of their list marker. */
.article-sidebar li a{display:inline}
