:root{--navy:#0a2540;--navy-2:#123b5d;--teal:#14877c;--teal-soft:#e7f5f2;--orange:#e97935;--paper:#fff;--canvas:#f5f7f9;--ink:#172331;--muted:#607080;--border:#dce3e8;--shadow:0 18px 50px rgba(10,37,64,.09);--radius:18px;--content:1180px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{background:var(--canvas);color:var(--ink);font-family:Inter,"Segoe UI",Arial,sans-serif}
a{color:var(--navy)}
.wrap{width:min(calc(100% - 40px),var(--content));margin-inline:auto}
.skip-link{position:fixed;top:-100px;left:16px;z-index:9999;background:#fff;padding:12px 18px;border-radius:8px}.skip-link:focus{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}
.site-brand-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);border-bottom:1px solid var(--border);backdrop-filter:blur(16px);box-shadow:0 6px 25px rgba(10,37,64,.04)}
.brand-wrap{min-height:84px;display:grid;grid-template-columns:auto 1fr minmax(220px,310px);align-items:center;gap:26px}
.brand-logo{display:flex;align-items:center;gap:11px;text-decoration:none;white-space:nowrap}.brand-logo>span:last-child{display:flex;flex-direction:column}.brand-logo strong{font-size:20px;line-height:1.1;color:var(--navy);letter-spacing:-.4px}.brand-logo small{font-size:11px;color:var(--muted);margin-top:3px;letter-spacing:.15px}
.brand-mark{display:inline-flex;width:42px;height:42px}.brand-mark svg{width:100%;height:100%;fill:var(--teal)}.brand-mark .brand-spark{fill:none;stroke:#fff;stroke-width:3.5;stroke-linecap:round}
.primary-nav{display:flex;align-items:center;justify-content:center;gap:8px}.primary-nav a{padding:10px 11px;text-decoration:none;color:#344658;font-size:14px;font-weight:650;border-radius:9px}.primary-nav a:hover,.primary-nav a:focus-visible{background:var(--teal-soft);color:var(--teal)}
.header-search{display:flex;padding:4px;background:#f0f4f6;border:1px solid var(--border);border-radius:12px}.header-search input{width:100%;border:0;background:transparent;padding:9px 10px;font-size:14px;outline:0}.header-search button{border:0;background:var(--navy);color:#fff;border-radius:8px;padding:8px 15px;font-weight:700;cursor:pointer}
.home-hero{padding:76px 0 66px;background:linear-gradient(122deg,var(--navy) 0%,#123f5e 65%,#146e70 130%);color:#fff;position:relative;overflow:hidden}.home-hero:after{content:"";position:absolute;width:520px;height:520px;border:1px solid rgba(255,255,255,.12);border-radius:50%;right:-180px;top:-260px;box-shadow:0 0 0 70px rgba(255,255,255,.025),0 0 0 140px rgba(255,255,255,.018)}
.hero-inner{position:relative;z-index:1;display:grid;grid-template-columns:1.25fr .75fr;gap:70px;align-items:center}.eyebrow{display:block;color:var(--teal);font-size:12px;font-weight:800;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:12px}.home-hero .eyebrow{color:#78ddcf}.home-hero h1{font-size:clamp(40px,5.2vw,68px);line-height:1.04;letter-spacing:-2.5px;max-width:820px;margin:0 0 24px}.home-hero p{font-size:19px;line-height:1.65;max-width:680px;color:#dce8ee;margin:0 0 32px}.home-actions{display:flex;gap:12px;flex-wrap:wrap}.home-actions .btn{border-radius:11px;padding:14px 22px;background:var(--orange);border:0;box-shadow:none}.home-actions .btn.secondary{background:transparent;border:1px solid rgba(255,255,255,.35);color:#fff}
.hero-note{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:var(--radius);padding:26px;backdrop-filter:blur(8px)}.hero-note strong{font-size:19px}.hero-note ul{padding-left:20px;margin:15px 0 0;color:#dce8ee}.hero-note li{margin:9px 0}
.topic-section{padding:56px 0 22px}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:22px}.section-heading h2{font-size:30px;letter-spacing:-.7px;margin:0}.section-heading p{color:var(--muted);margin:5px 0 0}.topic-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.topic-card{display:block;background:#fff;border:1px solid var(--border);border-radius:15px;padding:20px;text-decoration:none;box-shadow:0 8px 25px rgba(10,37,64,.04);transition:.2s}.topic-card:hover{transform:translateY(-3px);border-color:#9acbc5;box-shadow:var(--shadow)}.topic-card strong{display:block;font-size:16px;margin-bottom:6px}.topic-card span{color:var(--muted);font-size:13px;line-height:1.45}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:28px;padding-block:42px}.featured-grid,.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.card,.article,.home-panel,.box{background:var(--paper);border:1px solid var(--border);border-radius:var(--radius);box-shadow:0 8px 25px rgba(10,37,64,.04)}.card{transition:.2s}.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}.card .body{padding:24px}.card h2{font-size:20px;line-height:1.34;margin:10px 0}.card p{color:var(--muted);font-size:14px;line-height:1.65}.meta{color:var(--teal);font-size:12px;font-weight:750;letter-spacing:.2px}.text-link{display:inline-flex;gap:8px;text-decoration:none;font-size:14px;font-weight:800;color:var(--navy)}.text-link span{color:var(--orange)}
.home-panel{padding:28px;margin-bottom:24px}.home-list-item{display:flex;justify-content:space-between;gap:24px;padding:17px 0;border-bottom:1px solid var(--border)}.home-list-item:last-child{border:0}.home-list-item div{display:flex;flex-direction:column;gap:5px}.home-list-item a{text-decoration:none;font-weight:700;line-height:1.4}.home-list-item time{font-size:12px;color:var(--muted);white-space:nowrap}
.sidebar{display:flex;flex-direction:column;gap:18px}.sidebar .box{padding:22px}.sidebar .box h2{font-size:18px;margin:0 0 14px}.trust-box{background:linear-gradient(145deg,#eaf7f5,#fff)}.trust-box p{color:var(--muted);font-size:14px}.trust-box a{font-size:13px;font-weight:800;text-decoration:none}.article-list{list-style:none;padding:0;margin:0}.article-list li{padding:11px 0;border-bottom:1px solid var(--border)}.article-list li:last-child{border:0}.article-list a{text-decoration:none;font-size:14px;line-height:1.4}.ad-labelled{position:relative;min-height:110px;border:1px dashed #c7d0d7;border-radius:14px;background:#f9fafb;padding:26px 8px 8px}.ad-labelled>span{position:absolute;top:7px;left:0;width:100%;text-align:center;color:#8995a1;font-size:9px;letter-spacing:1px;text-transform:uppercase}
.article{padding:clamp(24px,4vw,52px)}.article>h1{font-size:clamp(32px,4.4vw,52px);line-height:1.1;letter-spacing:-1.5px;color:var(--navy)}.article-summary{font-size:19px;line-height:1.7;color:#425466;border-left:4px solid var(--teal);padding-left:20px}.article h2{margin-top:42px;color:var(--navy);letter-spacing:-.4px}.article h3{color:var(--navy)}.article p,.article li{font-size:17px;line-height:1.82}.article table{border-radius:12px;overflow:hidden}.article thead{background:var(--navy);color:#fff}.article-meta-bar{display:flex;flex-wrap:wrap;gap:10px 18px;padding-bottom:20px;border-bottom:1px solid var(--border);margin-bottom:28px}.article-disclaimer{margin-top:38px;padding:18px 20px;background:#fff8ef;border:1px solid #f3d6b8;border-radius:12px;color:#67401f;font-size:13px;line-height:1.55}
.category-panel h1{font-size:34px;color:var(--navy);margin-top:0}.section-title h2{font-size:24px}
.footer{background:var(--navy);color:#d5e2e8;padding:52px 0 20px;margin-top:60px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:60px}.footer-grid>div{display:flex;flex-direction:column;gap:10px}.footer-grid a{color:#c7d6de;text-decoration:none;font-size:14px}.footer-grid>div>strong{color:#fff}.footer-brand{flex-direction:row!important;align-items:flex-start}.footer-brand p{font-size:14px;max-width:330px}.footer-bottom{display:flex;justify-content:space-between;border-top:1px solid rgba(255,255,255,.12);padding-top:18px;margin-top:38px;font-size:12px;color:#96aab6}
:focus-visible{outline:3px solid #f5a66f;outline-offset:3px}
@media(max-width:1000px){.brand-wrap{grid-template-columns:auto 1fr}.primary-nav{display:none}.header-search{justify-self:end;width:min(100%,330px)}.hero-inner{grid-template-columns:1fr}.hero-note{display:none}.topic-grid{grid-template-columns:repeat(2,1fr)}.layout{grid-template-columns:1fr}.sidebar{display:grid;grid-template-columns:repeat(2,1fr)}.sidebar .ad-labelled{display:none}}
@media(max-width:680px){.wrap{width:min(calc(100% - 28px),var(--content))}.site-brand-header{position:relative}.brand-wrap{display:flex;flex-wrap:wrap;padding-block:13px;gap:12px}.brand-logo{flex:1}.brand-logo small{display:none}.header-search{width:100%;order:3}.home-hero{padding:50px 0}.home-hero h1{font-size:40px;letter-spacing:-1.4px}.home-hero p{font-size:16px}.topic-grid,.featured-grid,.grid,.sidebar,.footer-grid{grid-template-columns:1fr}.topic-section{padding-top:38px}.section-heading{align-items:start;flex-direction:column}.home-list-item{flex-direction:column;gap:8px}.article{padding:24px 20px}.article>h1{font-size:34px}.article p,.article li{font-size:16px}.footer-bottom{flex-direction:column;gap:8px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}