:root{--navy:#0e2a5e;--navy-deep:#071a3b;--green:#00a651;--green-dark:#008642;--ink:#17304a;--muted:#5c6c7d;--paper:#fff;--soft:#f3f6fb;--line:#dfe6ef;--shadow:0 18px 55px rgba(14,42,94,.12);--shell:1160px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:var(--paper);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.7;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.shell{width:min(var(--shell),calc(100% - 40px));margin-inline:auto}
.skip-link{position:absolute;left:16px;top:-80px;z-index:100;padding:10px 14px;color:#fff;background:#000;border-radius:4px}.skip-link:focus{top:12px}
.contact-bar{min-height:40px;padding:8px max(20px,calc((100% - var(--shell))/2));display:flex;justify-content:space-between;gap:20px;background:var(--navy-deep);color:#d9e5f5;font-size:.84rem;letter-spacing:.02em}.contact-bar a{color:#fff;font-weight:700}.contact-bar b{color:#67e29e}
.site-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav-shell{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.brand{display:flex;align-items:center;gap:12px}.brand img{border-radius:12px}.brand span{display:flex;flex-direction:column;line-height:1.15}.brand b{color:var(--navy);font-family:Georgia,serif;font-size:1.25rem}.brand small{margin-top:5px;color:var(--green-dark);font-size:.68rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase}
nav{display:flex;align-items:center;gap:24px}nav>a{font-size:.92rem;font-weight:700;color:#344b63}nav>a[aria-current=page]{color:var(--green-dark)}nav .nav-cta{padding:10px 17px;border-radius:5px;background:var(--green);color:#fff;box-shadow:0 8px 22px rgba(0,166,81,.2)}nav .nav-cta:hover,.button:hover{background:var(--green-dark);transform:translateY(-1px)}
.blog-hero{position:relative;overflow:hidden;padding:84px 0 78px;color:#fff;background:linear-gradient(125deg,var(--navy-deep),var(--navy) 62%,#11386f)}.blog-hero:before{content:"";position:absolute;inset:-25% -10% auto 48%;height:600px;background:radial-gradient(circle,rgba(79,217,138,.2),transparent 65%)}.hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,1.45fr) minmax(300px,.75fr);gap:70px;align-items:center}.eyebrow{display:inline-block;color:var(--green-dark);font-size:.72rem;font-weight:900;letter-spacing:.16em;text-transform:uppercase}.blog-hero .eyebrow,.cta-band .eyebrow{color:#76e5a8}.blog-hero h1,.article-header h1{margin:.5rem 0 1.1rem;font-family:Georgia,"Times New Roman",serif;font-weight:500;line-height:1.04;letter-spacing:-.035em}.blog-hero h1{max-width:760px;font-size:clamp(2.8rem,6vw,5.4rem)}.blog-hero>div>div>p{max-width:720px;color:#ccdaec;font-size:1.12rem}.hero-actions{display:flex;align-items:center;gap:24px;margin-top:30px}.button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:11px 20px;border-radius:5px;color:#fff;background:var(--green);font-size:.88rem;font-weight:850;transition:.2s}.text-link{color:#fff;font-weight:750}.hero-card{padding:28px;border:1px solid rgba(255,255,255,.18);border-radius:12px;background:rgba(255,255,255,.08);box-shadow:0 24px 70px rgba(0,0,0,.18);backdrop-filter:blur(8px)}.hero-card span{color:#76e5a8;font-weight:850;text-transform:uppercase;letter-spacing:.12em;font-size:.7rem}.hero-card strong{display:block;margin:12px 0;font-family:Georgia,serif;font-size:1.55rem;line-height:1.25}.hero-card p{margin:0;color:#cdd9ea;font-size:.92rem}
.intro-strip{position:relative;z-index:2;margin-top:-26px;padding:23px 28px;display:grid;grid-template-columns:repeat(3,1fr);gap:28px;border:1px solid var(--line);border-radius:10px;background:#fff;box-shadow:var(--shadow)}.intro-strip div{display:flex;flex-direction:column}.intro-strip div+div{padding-left:28px;border-left:1px solid var(--line)}.intro-strip b{font-size:.88rem;color:var(--navy)}.intro-strip span{font-size:.78rem;color:var(--muted)}
.guides,.related{padding-top:92px;padding-bottom:100px}.section-heading{max-width:750px;margin-bottom:34px}.section-heading h2,.author-panel h2,.cta-band h2{margin:.45rem 0 .6rem;font-family:Georgia,serif;font-size:clamp(2rem,4vw,3.25rem);font-weight:500;line-height:1.12;color:var(--navy);letter-spacing:-.025em}.section-heading p{margin:0;color:var(--muted)}
.post-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}.post-card{display:flex;flex-direction:column;min-height:330px;padding:28px;border:1px solid var(--line);border-radius:10px;background:#fff;box-shadow:0 10px 28px rgba(14,42,94,.06);transition:.22s}.post-card:hover{transform:translateY(-4px);border-color:#b8d8c5;box-shadow:var(--shadow)}.card-top{display:flex;justify-content:space-between;gap:20px;color:var(--green-dark);font-weight:850;font-size:.72rem;text-transform:uppercase;letter-spacing:.1em}.card-top small{color:#7c8a99;letter-spacing:0;text-transform:none}.post-card h2{margin:17px 0 12px;font-family:Georgia,serif;font-size:1.68rem;font-weight:500;line-height:1.22;color:var(--navy)}.post-card h2 a:hover{text-decoration:underline;text-decoration-color:#51cc88;text-decoration-thickness:2px;text-underline-offset:4px}.post-card p{margin:0 0 18px;color:var(--muted);font-size:.93rem}.keyword{margin-top:auto;padding:10px 12px;border-radius:5px;background:var(--soft);color:#53677c;font-size:.75rem}.read-link{margin-top:18px;color:var(--navy);font-size:.86rem;font-weight:850}.read-link span{color:var(--green);margin-left:4px}.post-grid.compact{grid-template-columns:repeat(3,1fr)}.compact .post-card{min-height:300px}.compact .keyword{display:none}.compact .post-card h2{font-size:1.35rem}
.author-panel{margin-bottom:100px;padding:38px;display:grid;grid-template-columns:128px 1fr;gap:32px;align-items:center;border-radius:12px;color:#dce7f5;background:var(--navy)}.author-panel img{border-radius:50%;border:4px solid rgba(255,255,255,.3)}.author-panel h2{margin:.2rem 0;color:#fff}.author-panel p{margin:.2rem 0;color:#d4dfed}.author-links{display:flex;gap:18px;margin-top:12px}.author-links a{color:#78e8aa;font-weight:750}
.cta-band{padding:54px 0;color:#fff;background:linear-gradient(115deg,var(--navy),#174780)}.cta-band .shell{display:flex;align-items:center;justify-content:space-between;gap:40px}.cta-band h2{max-width:760px;margin-bottom:0;color:#fff;font-size:clamp(2rem,4vw,3rem)}.button.light{background:#fff;color:var(--navy);white-space:nowrap}.button.light:hover{background:#eaf4ff}
.site-footer{padding:58px 0 20px;color:#cbd8e9;background:var(--navy-deep)}.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:60px}.footer-grid>div{display:flex;flex-direction:column;align-items:flex-start;gap:8px}.footer-grid p{max-width:440px;color:#aebed4}.footer-grid b{color:#fff}.footer-grid a:hover{color:#77e5a8}.footer-brand{font-family:Georgia,serif;color:#fff;font-size:1.5rem}.footer-bottom{margin-top:36px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);font-size:.76rem;color:#8fa3be}
.breadcrumbs{padding-top:28px;display:flex;gap:9px;align-items:center;color:#748394;font-size:.78rem}.breadcrumbs a{color:var(--navy);font-weight:750}.article-shell{width:min(1160px,calc(100% - 40px));margin:0 auto}.article-header{max-width:920px;padding:60px 0 42px}.article-header h1{font-size:clamp(2.7rem,6vw,5.4rem);color:var(--navy)}.article-deck{max-width:820px;color:var(--muted);font-size:1.16rem}.byline{margin-top:26px;padding-top:22px;display:flex;align-items:center;gap:12px;border-top:1px solid var(--line)}.byline img{border-radius:50%;object-fit:cover}.byline div{display:flex;flex-direction:column}.byline b{color:var(--navy);font-size:.88rem}.byline span{font-size:.75rem;color:#6f7f90}.byline .read-time{margin-left:auto}
.article-layout{display:grid;grid-template-columns:minmax(0,760px) 300px;gap:72px;align-items:start}.article-content{font-family:Georgia,"Times New Roman",serif;font-size:1.08rem;line-height:1.9;color:#263d54}.article-content .lead{margin-top:0;padding:24px 26px;border-left:4px solid var(--green);background:var(--soft);font-size:1.18rem;color:#203b58}.article-content section{margin-top:54px}.article-content h2{margin:0 0 16px;font-family:Inter,ui-sans-serif,system-ui,sans-serif;font-size:clamp(1.65rem,3vw,2.25rem);line-height:1.2;letter-spacing:-.025em;color:var(--navy)}.article-content p{margin:0 0 19px}.article-content ul{margin:16px 0 20px;padding-left:0;list-style:none}.article-content li{position:relative;margin:10px 0;padding-left:28px}.article-content li:before{content:"";position:absolute;left:2px;top:.72em;width:9px;height:9px;border-radius:50%;background:var(--green)}.article-content a{color:#075cab;text-decoration:underline;text-underline-offset:3px}.faq-section details{border-top:1px solid var(--line);font-family:Inter,ui-sans-serif,system-ui,sans-serif}.faq-section details:last-child{border-bottom:1px solid var(--line)}.faq-section summary{padding:18px 4px;cursor:pointer;color:var(--navy);font-weight:800}.faq-section details p{padding:0 4px 18px;margin:0;color:var(--muted);font-size:.92rem}.sources{font-family:Inter,ui-sans-serif,system-ui,sans-serif}.sources ul{font-size:.9rem}.disclosure{margin:50px 0 78px;padding:22px;border:1px solid var(--line);border-radius:7px;background:#fbfcfe;font-family:Inter,ui-sans-serif,system-ui,sans-serif;font-size:.8rem;color:#66788a}
.article-content .heading-anchor{color:inherit;text-decoration:none}.article-content .heading-anchor:hover{text-decoration:underline;text-decoration-color:#7bdca7}.toc{margin:34px 0;padding:24px 26px;border:1px solid var(--line);border-radius:9px;background:#fbfcfe;font-family:Inter,ui-sans-serif,system-ui,sans-serif}.toc b{display:block;margin-bottom:9px;color:var(--navy)}.toc ol{margin:0;padding-left:22px}.toc li{margin:5px 0;padding-left:2px}.toc li:before{display:none}.toc a{font-size:.9rem;text-decoration:none}.toc a:hover{text-decoration:underline}.article-content .key-takeaways{margin-top:34px;padding:26px 28px;border-radius:9px;background:linear-gradient(135deg,#eef8f2,#f7fbff);border:1px solid #cde8d8}.key-takeaways h2{font-size:1.38rem}.key-takeaways ul{margin-bottom:0}.context-links{margin:38px 0;padding:24px 26px;border-radius:9px;background:var(--navy);color:#fff;font-family:Inter,ui-sans-serif,system-ui,sans-serif}.context-links b{display:block;margin-bottom:8px}.context-links a{display:block;padding:8px 0;color:#88efb5;text-decoration:none;font-size:.9rem}.context-links a+a{border-top:1px solid rgba(255,255,255,.14)}.context-links a:hover{text-decoration:underline}.byline a{color:var(--navy);text-decoration:none}.byline a:hover{text-decoration:underline}
.article-aside{position:sticky;top:116px}.quote-box,.aside-list{padding:25px;border:1px solid var(--line);border-radius:9px;background:#fff;box-shadow:0 12px 34px rgba(14,42,94,.08)}.quote-box h2{margin:.5rem 0;font-family:Georgia,serif;color:var(--navy);font-size:1.6rem;line-height:1.2;font-weight:500}.quote-box p{color:var(--muted);font-size:.86rem}.quote-box .button{width:100%;margin:10px 0}.quote-box>a:last-child{display:block;text-align:center;color:var(--navy);font-weight:800}.aside-list{margin-top:18px;box-shadow:none}.aside-list b{display:block;margin-bottom:10px;color:var(--navy)}.aside-list a{display:block;padding:11px 0;border-top:1px solid var(--line);font-size:.82rem;line-height:1.35}.aside-list a:hover{color:var(--green-dark)}.related{background:var(--soft);width:100%;max-width:none;padding-inline:max(20px,calc((100% - var(--shell))/2))}
.profile-hero{padding:72px 0;background:linear-gradient(125deg,var(--navy-deep),var(--navy));color:#fff}.profile-grid{display:grid;grid-template-columns:260px minmax(0,1fr);gap:52px;align-items:center}.profile-grid>img{width:260px;height:260px;object-fit:cover;border-radius:50%;border:6px solid rgba(255,255,255,.23);box-shadow:0 20px 50px rgba(0,0,0,.22)}.profile-hero h1{margin:.5rem 0 .8rem;font-family:Georgia,serif;font-size:clamp(2.8rem,5vw,4.8rem);font-weight:500;line-height:1.05}.profile-hero p{max-width:720px;color:#d7e3f2;font-size:1.08rem}.profile-role{font-weight:800}.profile-contact{display:flex;align-items:center;gap:22px;margin-top:24px}.profile-contact>a:last-child{color:#8af0b8;font-weight:800}.profile-trust{margin-top:-1px;padding-top:34px;padding-bottom:34px;display:grid;grid-template-columns:repeat(3,1fr);gap:30px;border-bottom:1px solid var(--line)}.profile-trust div+div{padding-left:30px;border-left:1px solid var(--line)}.profile-trust b{color:var(--navy)}.profile-trust p{margin:5px 0 0;color:var(--muted);font-size:.87rem}.profile-guides{padding-top:74px}
@media(max-width:900px){.hero-grid,.article-layout{grid-template-columns:1fr}.hero-grid{gap:34px}.article-aside{position:static;display:grid;grid-template-columns:1fr 1fr;gap:18px}.aside-list{margin-top:0}.post-grid.compact{grid-template-columns:1fr}.compact .post-card{min-height:auto}.article-content{max-width:760px}.intro-strip{grid-template-columns:1fr}.intro-strip div+div{padding:14px 0 0;border-left:0;border-top:1px solid var(--line)}.footer-grid{grid-template-columns:1.4fr 1fr}.footer-grid>div:last-child{grid-column:1/-1}}
@media(max-width:680px){.shell,.article-shell{width:min(100% - 28px,var(--shell))}.contact-bar span{display:none}.contact-bar{justify-content:center}.nav-shell{min-height:68px}.brand small{display:none}.brand b{font-size:1rem}nav{gap:12px}nav>a:not(.nav-cta){display:none}nav .nav-cta{padding:9px 12px;font-size:.78rem}.blog-hero{padding:58px 0 60px}.blog-hero h1{font-size:2.8rem}.hero-actions{align-items:flex-start;flex-direction:column}.post-grid{grid-template-columns:1fr}.post-card{min-height:auto}.guides,.related{padding-top:66px;padding-bottom:70px}.author-panel{grid-template-columns:1fr;text-align:center;padding:30px 24px}.author-panel img{margin:auto}.author-links{justify-content:center;flex-wrap:wrap}.cta-band .shell{align-items:flex-start;flex-direction:column}.footer-grid{grid-template-columns:1fr;gap:32px}.footer-grid>div:last-child{grid-column:auto}.article-header{padding-top:38px}.article-header h1{font-size:2.7rem}.byline{align-items:flex-start;flex-wrap:wrap}.byline .read-time{width:100%;margin-left:64px}.article-aside{grid-template-columns:1fr}.article-content{font-size:1.02rem}.article-content .lead{padding:20px}.intro-strip{margin-top:-18px}}
@media(max-width:900px){.profile-grid{grid-template-columns:200px 1fr;gap:34px}.profile-grid>img{width:200px;height:200px}.profile-trust{grid-template-columns:1fr}.profile-trust div+div{padding:18px 0 0;border-left:0;border-top:1px solid var(--line)}}
@media(max-width:680px){.profile-hero{padding:52px 0}.profile-grid{grid-template-columns:1fr;text-align:center}.profile-grid>img{margin:auto;width:180px;height:180px}.profile-hero p{font-size:1rem}.profile-contact{justify-content:center;flex-direction:column;gap:12px}.toc,.article-content .key-takeaways,.context-links{padding:20px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}