:root{--blue:#082c74;--deep:#041b4f;--aqua:#42d5dc;--gold:#ffbf2f;--cream:#fff9ed;--ink:#0b2147;--muted:#65738d;--line:#dfe6ee;--ease:cubic-bezier(.16,1,.3,1)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:96px}body{margin:0;background:#fffdf8;color:var(--ink);font-family:"DM Sans",sans-serif;line-height:1.7}body:before{content:"";position:fixed;inset:0 0 auto;z-index:100;height:3px;background:linear-gradient(90deg,var(--aqua),var(--gold));transform:scaleX(var(--reading-progress,0));transform-origin:left;pointer-events:none}img{max-width:100%;height:auto}a{color:inherit;text-decoration:none}button,input{font:inherit}::selection{background:rgba(255,191,47,.35)}
.skip-link{position:fixed;left:14px;top:10px;z-index:200;padding:10px 14px;border-radius:7px;background:var(--gold);color:var(--deep);font-weight:800;transform:translateY(-160%);transition:transform .2s}.skip-link:focus{transform:none}
.content-header{position:sticky;top:0;z-index:50;display:flex;align-items:center;gap:34px;height:78px;padding:0 max(5vw,24px);border-bottom:1px solid rgba(8,44,116,.1);background:rgba(255,253,248,.94);backdrop-filter:blur(14px) saturate(150%)}.content-brand{display:flex;align-items:center;gap:10px;margin-right:auto}.content-brand img{width:42px;height:42px;object-fit:contain}.content-brand strong,.content-brand small{display:block;line-height:1}.content-brand strong{font-size:14px;letter-spacing:.15em}.content-brand small{margin-top:5px;color:#72809a;font-size:7px;letter-spacing:.38em}.content-nav{display:flex;gap:25px;font-size:12px;font-weight:700}.content-nav a{position:relative;padding:10px 0}.content-nav a:after{content:"";position:absolute;left:0;right:0;bottom:4px;height:2px;background:linear-gradient(90deg,var(--aqua),var(--gold));transform:scaleX(0);transform-origin:left;transition:transform .35s var(--ease)}.content-nav a:hover:after,.content-nav a[aria-current="page"]:after{transform:scaleX(1)}.content-cta{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:10px 16px;border-radius:8px;background:var(--gold);color:var(--deep);font-size:11px;font-weight:800;box-shadow:0 10px 24px rgba(255,191,47,.2);transition:transform .3s var(--ease)}.content-cta:hover{transform:translateY(-2px)}.content-menu{display:none;min-width:72px;min-height:48px;border:0;border-radius:8px;background:transparent;color:var(--deep);font-size:20px;cursor:pointer}
.blog-hero{position:relative;overflow:hidden;padding:92px max(7vw,28px) 84px;background:linear-gradient(135deg,#041b4f,#0a4285);color:white}.blog-hero:before,.blog-hero:after{content:"";position:absolute;border:1px solid rgba(255,255,255,.1);border-radius:50%}.blog-hero:before{width:420px;height:420px;right:-100px;top:-230px;box-shadow:0 0 0 45px rgba(255,255,255,.02),0 0 0 90px rgba(255,255,255,.015)}.blog-hero:after{width:260px;height:260px;left:-130px;bottom:-150px}.blog-hero-inner{position:relative;z-index:1;max-width:980px}.content-kicker{display:inline-flex;align-items:center;gap:11px;color:var(--gold);font-size:10px;font-weight:800;letter-spacing:.17em;text-transform:uppercase}.content-kicker:before{content:"";width:25px;height:1px;background:currentColor}.blog-hero h1,.article-hero h1{margin:20px 0 18px;font-family:"Playfair Display",serif;font-size:clamp(43px,6vw,75px);line-height:1.04;letter-spacing:-.035em}.blog-hero p{max-width:720px;margin:0;color:#c9d8e8;font-size:16px;line-height:1.8}.blog-hero-meta{display:flex;flex-wrap:wrap;gap:10px 25px;margin-top:30px;color:#a9c0d7;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.08em}
.blog-main{padding:78px max(7vw,28px) 100px}.blog-main-head{display:grid;grid-template-columns:1fr .7fr;gap:40px;align-items:end;margin-bottom:38px}.blog-main-head h2{margin:13px 0 0;font-family:"Playfair Display",serif;font-size:clamp(35px,4.5vw,54px);line-height:1.1}.blog-main-head p{margin:0;color:var(--muted)}.blog-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}.blog-card{display:grid;grid-template-columns:82px 1fr;gap:24px;min-height:300px;padding:30px;border:1px solid rgba(8,44,116,.1);border-radius:18px;background:white;box-shadow:0 14px 40px rgba(4,27,79,.055);transition:transform .45s var(--ease),box-shadow .4s ease,border-color .35s ease}.blog-card:hover{transform:translateY(-7px);border-color:rgba(8,123,175,.28);box-shadow:0 25px 58px rgba(4,27,79,.11)}.blog-card-icon{display:grid;place-items:center;width:76px;height:76px;border-radius:17px;background:linear-gradient(145deg,var(--deep),#0b5591);color:var(--gold);font-family:"Playfair Display",serif;font-size:31px}.blog-card-meta{display:flex;flex-wrap:wrap;gap:8px 16px;color:#16849f;font-size:8px;font-weight:800;letter-spacing:.1em;text-transform:uppercase}.blog-card h2{margin:13px 0 11px;font-family:"Playfair Display",serif;font-size:26px;line-height:1.25}.blog-card p{margin:0 0 20px;color:var(--muted);font-size:12px}.blog-card>a{align-self:end;color:#0877a5;font-size:11px;font-weight:800}.blog-card>a:hover{text-decoration:underline}
.resource-banner{display:grid;grid-template-columns:1fr auto;gap:30px;align-items:center;margin-top:28px;padding:42px;border-radius:20px;background:linear-gradient(120deg,#eef9f8,#fff9ed);border:1px solid rgba(8,123,175,.13)}.resource-banner h2{margin:10px 0 8px;font-family:"Playfair Display",serif;font-size:34px}.resource-banner p{max-width:730px;margin:0;color:var(--muted)}.resource-banner .content-cta{min-width:210px}
.article-hero{position:relative;overflow:hidden;padding:72px max(7vw,28px) 68px;background:linear-gradient(135deg,#041b4f,#0a4285);color:white}.article-hero-inner{position:relative;z-index:1;max-width:1000px}.article-hero h1{max-width:930px;font-size:clamp(40px,5.6vw,67px)}.article-hero p{max-width:760px;margin:0;color:#c9d8e8;font-size:16px}.article-meta{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:28px;color:#abc3da;font-size:9px;font-weight:800;letter-spacing:.09em;text-transform:uppercase}.breadcrumbs{margin-bottom:26px;color:#a9c0d7;font-size:10px}.breadcrumbs a{color:var(--aqua)}
.article-layout{display:grid;grid-template-columns:minmax(0,740px) 270px;justify-content:center;gap:70px;padding:70px max(5vw,24px) 100px}.article-body{min-width:0}.article-body>p:first-of-type{font-size:18px;line-height:1.8;color:#3c506f}.article-body h2{margin:55px 0 18px;font-family:"Playfair Display",serif;font-size:34px;line-height:1.18;letter-spacing:-.02em}.article-body h3{margin:33px 0 12px;font-family:"Playfair Display",serif;font-size:23px;line-height:1.3}.article-body p,.article-body li{color:#344b6b;font-size:15px;line-height:1.85}.article-body ul,.article-body ol{padding-left:23px}.article-body li+li{margin-top:10px}.article-body a{color:#0877a5;text-decoration:underline;text-underline-offset:3px}.article-body strong{color:var(--deep)}.article-body blockquote{margin:35px 0;padding:24px 27px;border-left:4px solid var(--aqua);background:#eef7fa;color:var(--deep);font-family:"Playfair Display",serif;font-size:20px;line-height:1.55}.article-callout{margin:35px 0;padding:26px 28px;border:1px solid rgba(8,123,175,.18);border-radius:14px;background:linear-gradient(120deg,#eef9f8,#fffdf8)}.article-callout strong{display:block;margin-bottom:8px;font-family:"Playfair Display",serif;font-size:21px}.article-callout p{margin:0;font-size:13px}.article-table{width:100%;margin:30px 0;border-collapse:collapse;font-size:13px}.article-table th,.article-table td{padding:15px;text-align:left;vertical-align:top;border:1px solid var(--line)}.article-table th{background:var(--deep);color:white}.article-table td{color:#405473}.article-checklist{display:grid;gap:10px;margin:28px 0;padding:0;list-style:none}.article-checklist li{position:relative;padding:14px 17px 14px 48px;border:1px solid var(--line);border-radius:10px;background:white}.article-checklist li:before{content:"✓";position:absolute;left:17px;top:14px;display:grid;place-items:center;width:21px;height:21px;border-radius:50%;background:#e5f8f2;color:#079d66;font-size:12px;font-weight:900}.article-summary{margin-top:55px;padding:30px;border-radius:16px;background:var(--deep);color:white}.article-summary h2{margin:0 0 16px;color:white}.article-summary p,.article-summary li{color:#c7d8e7}.article-summary .content-cta{margin-top:10px;text-decoration:none}.article-disclaimer{margin-top:28px;color:var(--muted);font-size:11px;line-height:1.65}
.article-aside{align-self:start;position:sticky;top:105px}.toc,.aside-resource{padding:23px;border:1px solid rgba(8,44,116,.1);border-radius:14px;background:white;box-shadow:0 12px 35px rgba(4,27,79,.06)}.toc>strong,.aside-resource>strong{display:block;margin-bottom:13px;font-family:"Playfair Display",serif;font-size:19px}.toc ol{display:grid;gap:10px;margin:0;padding-left:18px}.toc a{color:var(--muted);font-size:11px;line-height:1.45}.toc a:hover{color:#0877a5}.aside-resource{margin-top:16px;background:linear-gradient(150deg,#eef9f8,#fff9ed)}.aside-resource p{color:var(--muted);font-size:11px}.aside-resource .content-cta{width:100%;margin-top:7px;text-align:center}
.related{padding:75px max(7vw,28px);background:#eef9f8}.related h2{margin:0 0 30px;font-family:"Playfair Display",serif;font-size:36px}.related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:17px}.related a{min-height:155px;padding:24px;border:1px solid rgba(8,44,116,.09);border-radius:14px;background:white;transition:transform .35s var(--ease),box-shadow .3s ease}.related a:hover{transform:translateY(-5px);box-shadow:0 15px 35px rgba(4,27,79,.08)}.related span{color:#16849f;font-size:8px;font-weight:800;letter-spacing:.11em;text-transform:uppercase}.related strong{display:block;margin-top:12px;font-family:"Playfair Display",serif;font-size:20px;line-height:1.35}
.content-footer{display:grid;grid-template-columns:1fr auto auto;gap:35px;align-items:center;padding:43px max(7vw,28px);border-top:1px solid var(--line);color:var(--muted);font-size:10px}.content-footer .content-brand{margin:0}.content-footer-nav{display:flex;flex-wrap:wrap;gap:16px}.content-footer-nav a{color:#0877a5;font-weight:700}.content-footer-nav a:hover{text-decoration:underline}
:focus-visible{outline:3px solid rgba(66,213,220,.55);outline-offset:3px}
@media(max-width:980px){.content-header>.content-cta,.content-nav{display:none}.content-menu{display:block}.content-header.open .content-nav{position:absolute;top:77px;left:0;right:0;display:flex;flex-direction:column;gap:2px;padding:16px 24px 22px;background:rgba(255,253,248,.99);box-shadow:0 20px 40px rgba(4,27,79,.12)}.content-header.open .content-nav a{display:flex;align-items:center;min-height:46px;padding:12px 4px}.blog-main-head{grid-template-columns:1fr}.article-layout{grid-template-columns:minmax(0,760px)}.article-aside{position:static;display:grid;grid-template-columns:1fr 1fr;gap:16px;order:-1}.aside-resource{margin:0}.related-grid{grid-template-columns:1fr 1fr}.content-footer{grid-template-columns:1fr auto}.content-footer-nav{grid-column:1/-1}}
@media(max-width:720px){.blog-hero,.article-hero{padding:63px 22px 60px}.blog-main{padding:60px 20px 80px}.blog-grid{grid-template-columns:1fr}.blog-card{grid-template-columns:65px 1fr;padding:24px;min-height:auto}.blog-card-icon{width:62px;height:62px}.resource-banner{grid-template-columns:1fr;padding:30px 24px}.resource-banner .content-cta{width:100%}.article-layout{padding:50px 20px 75px}.article-aside{grid-template-columns:1fr}.article-body h2{font-size:30px}.article-body p,.article-body li{font-size:14px}.article-table{display:block;overflow-x:auto}.related{padding:60px 20px}.related-grid{grid-template-columns:1fr}.content-footer{grid-template-columns:1fr;align-items:start}.content-footer-nav{grid-column:auto}}
@media(max-width:480px){.content-header{padding:0 18px}.content-brand strong{font-size:12px}.blog-card{grid-template-columns:1fr}.blog-card-icon{width:58px;height:58px}.article-hero h1{font-size:38px}.article-callout,.article-summary{padding:23px 20px}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;animation:none!important;transition-duration:.01ms!important}.blog-card:hover,.related a:hover,.content-cta:hover{transform:none}}
@media print{.content-header,.article-aside,.related,.content-footer,.content-cta,.skip-link{display:none!important}.article-hero{padding:25px;background:white;color:var(--ink)}.article-hero p,.article-meta,.breadcrumbs{color:var(--muted)}.article-layout{display:block;padding:20px}.article-body h2{break-after:avoid}.article-callout,.article-summary{break-inside:avoid}.article-summary{background:#eef7fa;color:var(--ink)}}