:root{color-scheme:light;--ink:#142e50;--muted:#60738c;--paper:#fff;--line:#dbe3ee;--green:#012557;--lime:#e8f0fd}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.7}a{color:var(--green);text-underline-offset:4px}a:hover{text-decoration:underline}a:focus-visible,summary:focus-visible{outline:3px solid #527eb8;outline-offset:5px}.skip{position:absolute;left:16px;top:-100px;background:#fff;padding:12px;z-index:10}.skip:focus{top:10px}.container{width:min(1180px,calc(100% - 64px));margin-inline:auto}.site-header{background:#fff;border-bottom:1px solid var(--line)}.nav{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{color:var(--ink);font-size:27px;font-weight:850;text-decoration:none;letter-spacing:-1.3px}.brand span{color:var(--green)}.nav-links{display:flex;gap:28px;align-items:center;font-size:14px;font-weight:600}.nav-links a{text-decoration:none}.button{display:inline-flex;justify-content:center;align-items:center;min-height:46px;padding:10px 20px;background:var(--green);color:#fff;border-radius:8px;font-size:14px;font-weight:650;text-decoration:none}.button:hover{background:#16477f}.breadcrumb{padding-top:30px;color:var(--muted);font-size:13px}.breadcrumb a{color:var(--muted)}.hero{padding:40px 0 56px;display:grid;grid-template-columns:1.35fr 1fr;gap:60px;align-items:center}.eyebrow{font-size:12px;letter-spacing:1.8px;text-transform:uppercase;color:var(--green);font-weight:750}.pill{display:inline-block;padding:4px 10px;border:1px solid #dbe3ee;border-radius:100px;font-size:12px;letter-spacing:.3px;margin-bottom:20px}h1{font-size:clamp(34px,4.3vw,57px);line-height:1.12;letter-spacing:-2px;font-weight:700;margin:14px 0 24px}.intro{font-size:18px;color:var(--muted);max-width:55ch}.meta{font-size:12px;color:var(--muted);display:flex;flex-wrap:wrap;gap:14px;margin-top:26px}.cover{background:#edf2f8;min-height:350px;padding:30px;border:1px solid var(--line);border-radius:16px;position:relative;overflow:hidden}.cover:before{content:"";position:absolute;width:220px;height:220px;border:1px solid #dbe3ee;border-radius:50%;right:-95px;top:-90px}.cover-label{font-size:11px;color:var(--muted);letter-spacing:1.8px;font-weight:700}.cover h2{font-size:26px;line-height:1.25;max-width:220px;margin:18px 0 26px;letter-spacing:-.7px}.cover-row{display:flex;align-items:center;gap:14px;background:#fff;border:1px solid #dbe3ee;padding:12px 16px;border-radius:9px;margin-top:10px;font-size:14px;position:relative}.cover-row b{font-size:12px;color:var(--green);background:var(--lime);width:28px;height:28px;display:grid;place-items:center;border-radius:50%}.cover-row:nth-last-child(2){margin-left:18px}.cover-row:last-child{margin-left:36px}.cover small{display:block;color:var(--muted);font-size:11px;margin-top:14px}.divider{border:0;border-top:1px solid var(--line);margin:0}.reading-layout{display:grid;grid-template-columns:240px minmax(0,710px);gap:86px;padding:52px 0 80px}.toc{position:sticky;top:24px;align-self:start}.toc h2{font-size:12px;letter-spacing:1.4px;text-transform:uppercase;margin:0 0 18px}.toc ol{list-style:none;margin:0;padding:0;counter-reset:toc}.toc li{margin:0;border-left:1px solid var(--line)}.toc a{display:block;padding:9px 0 9px 18px;font-size:13px;line-height:1.45;text-decoration:none;color:var(--muted)}.toc a:hover{border-left:2px solid var(--green);color:var(--green);background:#edf2f8}.toc-note{font-size:12px;color:var(--muted);margin-top:30px;border-top:1px solid var(--line);padding-top:20px}.mobile-toc{display:none}.article{min-width:0;font-size:18px;color:var(--ink)}.article p{margin:0 0 22px}.article section{margin-bottom:44px;scroll-margin-top:30px}.article h2{font-size:28px;line-height:1.28;letter-spacing:-.7px;margin:0 0 20px}.number{display:block;font-size:12px;letter-spacing:1px;color:var(--green);margin-bottom:10px}.takeaway{border-left:3px solid var(--green);background:#edf2f8;padding:24px 28px;margin-bottom:40px;border-radius:0 10px 10px 0}.takeaway strong{font-size:14px;color:var(--green)}.takeaway p{font-size:17px;margin:8px 0 0}.checklist{background:#fff;border:1px solid var(--line);border-radius:12px;padding:30px}.checklist ul{padding:0;list-style:none;margin:18px 0 0}.checklist li{position:relative;padding:13px 0 13px 32px;border-top:1px solid var(--line);font-size:16px}.checklist li:before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:750}.cta{background:#e8f0fd;border:1px solid #dbe3ee;padding:32px;border-radius:12px}.cta p{font-size:16px;color:#142e50}.cta .button{margin-right:15px}.secondary-link{font-size:14px;display:inline-block;margin-top:12px}.editorial{font-size:13px;color:var(--muted);border-top:1px solid var(--line);padding-top:22px}.editorial summary{cursor:pointer;font-weight:650}.editorial p{margin-top:12px;font-size:13px}.site-footer{border-top:1px solid var(--line);padding:30px 0;background:#fff}.footer-inner{display:flex;gap:24px;justify-content:space-between;align-items:center}.site-footer p{font-size:12px;color:var(--muted)}@media(max-width:1000px){.hero{gap:30px}.reading-layout{gap:40px;grid-template-columns:200px minmax(0,1fr)}.cover{padding:24px}}@media(max-width:760px){.container{width:calc(100% - 36px)}.nav{min-height:72px;gap:12px}.nav-links{gap:14px}.nav-links .desktop-link{display:none}.button{padding:10px 14px}.hero{grid-template-columns:1fr;padding:30px 0;gap:28px}h1{letter-spacing:-1.3px}.cover{min-height:0}.cover h2{max-width:none;font-size:23px}.cover-row{font-size:13px}.reading-layout{display:block;padding:28px 0 44px}.toc{display:none}.mobile-toc{display:block;border:1px solid var(--line);padding:16px;border-radius:8px;margin-bottom:30px;background:#fff;font-size:14px}.mobile-toc summary{font-weight:650;cursor:pointer}.mobile-toc ol{padding-left:22px}.mobile-toc li{margin:10px 0}.article{font-size:17px}.article h2{font-size:24px}.takeaway,.checklist,.cta{padding:22px}.footer-inner{align-items:start;flex-direction:column;gap:4px}.breadcrumb{font-size:12px;padding-top:20px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}@media print{.site-header,.toc,.mobile-toc,.cover,.site-footer,.breadcrumb,.cta .button{display:none}.hero,.reading-layout{display:block;padding:16px 0}.container{width:100%}body{background:#fff;color:#000}.article{font-size:12pt}.article section{break-inside:avoid}h1{font-size:30pt}}

.brand img{display:block;width:128px;height:auto}.cover.final-cover{padding:0;min-height:0;background:transparent;border:0;box-shadow:none}.cover.final-cover:before,.cover.final-cover:after{display:none}.final-cover img{display:block;width:100%;height:auto;border:1px solid #dbe3ee;border-radius:8px}.hero{grid-template-columns:1fr;gap:22px}.hero .intro{max-width:780px}.final-cover{max-width:1180px}.takeaway,.checklist{background:#edf2f8}.article,.article p{color:#142e50}