:root{--ink:#213746;--muted:#667982;--gold:#af8a57;--accent:#204a69;--light:#fbfaf7;--paper:#fff;--line:#e6e5de;--font:Manrope,system-ui,-apple-system,sans-serif}
*,*:before,*:after{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--light);color:var(--ink);font-family:var(--font);font-size:15px;line-height:1.7;-webkit-font-smoothing:antialiased}a{text-decoration:none;color:inherit}button,a{touch-action:manipulation}a:focus-visible{outline:3px solid #b98b4f;outline-offset:4px}h1,h2,h3,p{margin-top:0}h1,h2,h3{letter-spacing:-.045em;line-height:1.18}img{max-width:100%}.container{max-width:1190px;width:calc(100% - 52px);margin-inline:auto}.skip{position:absolute;left:-9999px;top:12px;z-index:999;background:#fff;padding:12px 20px}.skip:focus{left:12px}
.site-header{background:#fffefa;border-bottom:1px solid #ebe8e1;position:relative;z-index:9}.header-wrap{max-width:1250px;width:calc(100% - 44px);min-height:84px;margin:auto;display:flex;justify-content:space-between;align-items:center;gap:25px}.brand{display:flex;align-items:center;gap:9px;flex:none;font-weight:800;color:#233b4b;font-size:20px;letter-spacing:-.055em}.brand img{width:36px;height:36px;object-fit:contain}.brand b{color:#ab8250}.main-nav{display:flex;gap:30px;align-items:center;color:#596d76;font-size:12px;font-weight:800}.main-nav a:hover,.breadcrumb a:hover{color:#9e7746}.small-cta{font-size:12px;font-weight:800;color:#fff;background:#204a69;padding:12px 19px;border-radius:10px;white-space:nowrap}.small-cta:hover,.button.primary:hover{background:#153853}
.eyebrow{font-size:11px;font-weight:800;letter-spacing:.14em;color:#a77c43;display:flex;align-items:center;gap:8px;text-transform:uppercase}.accent-mark{height:9px;width:9px;background:#b18a5a;border-radius:99px;box-shadow:0 0 0 5px #f4e9d9}.button{border-radius:11px;min-height:46px;display:inline-flex;align-items:center;justify-content:center;gap:15px;padding:14px 20px;font-size:13px;font-weight:800;text-align:center;line-height:1.3;transition:background .15s,transform .15s}.button:hover{transform:translateY(-1px)}.button.primary{background:#214968;color:#fff}.button.light{border:1px solid #dcdedc;background:#fff;color:#204a69}.button.contrast{background:#fff;color:#163e5b;white-space:normal}
.blog-hero{background:radial-gradient(850px 500px at 75% 10%,#f0ece5 0%,transparent 75%),linear-gradient(115deg,#fff 0%,#faf8f3 80%);border-bottom:1px solid var(--line);overflow:hidden}.blog-hero .container{min-height:540px;padding:95px 0;position:relative}.blog-hero h1{font-size:clamp(45px,5.8vw,79px);max-width:840px;color:#1e394d;letter-spacing:-.065em;margin:29px 0 24px;position:relative;z-index:1}.blog-hero h1 em{font-style:normal;color:var(--gold)}.hero-lead{max-width:620px;color:#687a82;font-size:17px;line-height:1.85;position:relative;z-index:1}.hero-actions{display:flex;flex-wrap:wrap;gap:11px;margin-top:31px;position:relative;z-index:1}.hero-graphic{position:absolute;right:-45px;bottom:40px;width:330px;height:365px;transform:rotate(10deg);border:1px solid #d6d2c9;background:#214968;border-radius:23px;box-shadow:26px 28px 0 #d3b99628,0 40px 80px #21496823;display:flex;align-items:flex-end;padding:32px;opacity:.94}.graphic-inside{color:#fff;display:flex;flex-direction:column;gap:10px}.graphic-inside span{color:#e5cda8;font-size:11px;letter-spacing:.15em;font-weight:800}.graphic-inside strong{font-size:63px;line-height:1.2;letter-spacing:-.07em}.graphic-inside strong i{font-style:normal;font-weight:300;color:#c09d69}.graphic-inside small{font-size:13px;color:#b5c8d3}
.article-section{padding:85px 0 75px}.section-head{margin-bottom:31px}.section-head h2{font-size:clamp(30px,3vw,46px);margin:10px 0}.section-head>p:last-child{color:var(--muted);max-width:700px}.article-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.article-card{border:1px solid #e7e8e6;background:#fff;min-height:270px;padding:28px 25px;border-radius:17px;display:flex;flex-direction:column;transition:transform .2s,box-shadow .2s,border-color .2s}.article-card:hover{transform:translateY(-3px);border-color:#d5c6b1;box-shadow:0 25px 45px #273a470e}.card-index{font-size:11px;color:#a07c50;font-weight:800;letter-spacing:.045em;display:flex;gap:12px;align-items:center}.card-line{width:26px;height:1px;background:#d7c9b4}.article-card h3{font-size:21px;margin:19px 0 11px;line-height:1.3;color:#213f52}.article-card p{font-size:13px;color:var(--muted);line-height:1.75}.card-read{display:flex;justify-content:space-between;color:#215170;font-size:12px;font-weight:800;margin-top:auto;padding-top:20px}.card-read span{font-size:20px}
.conversion-band,.final-cta{margin-bottom:95px;padding:42px 48px;background:#204968;color:#fff;border-radius:20px;display:flex;justify-content:space-between;gap:38px;align-items:center}.conversion-band .eyebrow,.final-cta .eyebrow{color:#e2c096}.conversion-band h2,.final-cta h2{font-size:clamp(28px,3.1vw,43px);max-width:650px;margin:11px 0}.conversion-band p:last-child,.final-cta p:last-child{color:#d4e0e7;font-size:14px;max-width:650px;margin-bottom:0}
.article-top{padding:29px 0 55px;background:#fffefa;border-bottom:1px solid #ece9e1}.breadcrumb{display:flex;gap:10px;font-size:12px;color:#7a898f;flex-wrap:wrap;margin-bottom:70px}.article-title-wrap{max-width:920px}.article-title-wrap h1{font-size:clamp(40px,5.2vw,70px);letter-spacing:-.065em;color:#1c3d52;margin:21px 0}.article-intro{color:#687d88;font-size:19px;line-height:1.8;max-width:830px}.article-byline{display:flex;gap:10px;align-items:center;flex-wrap:wrap;font-size:12px;color:#7a8a90;margin-top:23px}.article-byline strong{color:#37536a}
.reading-layout{display:grid;grid-template-columns:minmax(0,750px) minmax(225px,1fr);gap:75px;padding-top:65px;padding-bottom:65px}.article-body{min-width:0;color:#3b505b;font-size:16px;line-height:1.98}.article-body>p:first-child{font-size:19px;color:#2c4758}.article-body h2{font-size:clamp(26px,2.4vw,34px);color:#213d50;margin:56px 0 17px;scroll-margin-top:40px}.article-body p{margin:0 0 25px}.article-body strong{color:#213c4b;font-weight:800}.article-body a{color:#176194;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px}.article-body a:hover{color:#aa7640}.article-body ul,.article-body ol{padding-left:24px;margin:0 0 28px}.article-body li{padding-left:5px;margin-bottom:12px}.article-body li::marker{color:#ad8959}.article-body table{width:100%;border-collapse:collapse;margin:20px 0 32px;font-size:13px}.article-body th,.article-body td{padding:16px 12px;border-bottom:1px solid #e1e7e8;text-align:left;vertical-align:top}.article-body th{color:#294a5d;background:#eef4f5}.article-body tr:nth-child(odd) td{background:#f8faf9}
.article-aside{position:relative}.aside-box{position:sticky;top:28px;background:#f3f5f3;border:1px solid #e6e8e2;padding:25px;border-radius:18px}.aside-box h2{font-size:26px;color:#21455c;margin:14px 0 12px}.aside-box p{color:#6b7d83;font-size:13px}.aside-box .button{display:flex;margin:22px 0 13px}.aside-box small{font-size:11px;color:#849093}
.article-bottom{padding-bottom:70px}.article-bottom .final-cta{margin-bottom:75px}.more-head{margin-bottom:24px}.more-head h2{font-size:31px;margin:12px 0}.related-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.related-grid .article-card{min-height:250px}
.site-footer{background:#f1f4f3;border-top:1px solid #e0e7e8;color:#647783}.footer-wrap{max-width:1190px;width:calc(100% - 52px);margin:auto;padding:52px 0;display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:28px}.footer-wrap>div{display:flex;flex-direction:column;align-items:flex-start;gap:7px}.footer-wrap strong{color:#334e5f;font-size:12px}.footer-wrap a:not(.brand){font-size:12px}.footer-wrap p{font-size:12px;margin-top:12px;max-width:250px}.footer-wrap .brand{font-size:18px}.copyright{text-align:center;border-top:1px solid #dfe6e6;color:#87949a;font-size:11px;padding:18px 20px}
@media(max-width:1100px){.hero-graphic{opacity:.2;right:-75px}.blog-hero h1{max-width:760px}.reading-layout{gap:35px;grid-template-columns:minmax(0,1fr) 250px}}
@media(max-width:800px){.main-nav{gap:12px}.article-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.reading-layout{grid-template-columns:1fr}.article-aside{display:none}.footer-wrap{grid-template-columns:repeat(2,minmax(0,1fr))}.conversion-band,.final-cta{flex-direction:column;align-items:flex-start}.related-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:620px){.container{width:calc(100% - 30px)}.header-wrap{min-height:70px;width:calc(100% - 28px);gap:9px}.brand{font-size:17px}.brand img{width:31px;height:31px}.main-nav{display:none}.small-cta{font-size:11px;padding:10px 12px}.blog-hero .container{min-height:0;padding:69px 0 72px}.blog-hero h1{font-size:44px;letter-spacing:-.055em}.hero-lead{font-size:14px}.hero-graphic{display:none}.hero-actions{flex-direction:column;align-items:stretch}.article-section{padding:53px 0}.article-grid,.related-grid{grid-template-columns:1fr}.article-card{min-height:220px}.conversion-band,.final-cta{padding:30px 23px;margin-bottom:60px}.article-top{padding-bottom:37px}.breadcrumb{margin-bottom:38px}.article-title-wrap h1{font-size:40px;letter-spacing:-.06em}.article-intro{font-size:15px}.reading-layout{padding-top:31px}.article-body{font-size:15px}.article-body>p:first-child{font-size:16px}.article-body h2{font-size:26px;margin-top:42px}.article-body table{display:block;overflow-x:auto}.footer-wrap{width:calc(100% - 30px);grid-template-columns:1fr 1fr;gap:27px}.footer-wrap>div:first-child{grid-column:1/-1}.footer-wrap .brand{font-size:17px}.more-head h2{font-size:26px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.article-card,.button{transition:none!important}}