.content-hero{background:linear-gradient(120deg,#061D35 0%,#0D3158 100%);color:#fff;border-bottom:3px solid #D4A72C;padding:78px 0 72px}.content-hero .crumbs{color:#c0cfdb}.content-hero h1{max-width:900px}.content-hero .lead{max-width:780px}.content-hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.content-hero .btn-outline{min-height:48px}.content-badges{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}.content-badges span{border:1px solid rgba(255,255,255,.3);padding:7px 11px;font-size:9px;font-weight:800;letter-spacing:.08em;text-transform:uppercase}.content-shell{display:grid;grid-template-columns:250px minmax(0,1fr);gap:70px;padding:75px 0 95px}.content-toc{position:sticky;top:118px;align-self:start;border-left:3px solid #D4A72C;padding-left:20px}.content-toc strong{display:block;color:#061D35;font-size:10px;letter-spacing:.12em;text-transform:uppercase;margin-bottom:10px}.content-toc a{display:block;color:#40566a;font-size:12px;padding:7px 0;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px}.content-toc .toc-cta{margin-top:18px;color:#fff;text-decoration:none}.content-article{min-width:0}.content-article>section{scroll-margin-top:120px;padding:0 0 52px}.content-article>section+section{border-top:1px solid #DCE3E9;padding-top:48px}.content-article h2{font:700 clamp(32px,4vw,46px)/1.08 var(--serif);color:#061D35;letter-spacing:-.025em;margin-bottom:18px}.content-article h3{font:700 24px/1.2 var(--serif);color:#0D3158;margin:28px 0 12px}.content-article p,.content-article li{color:#4F6477;font-size:15px}.content-article li{margin:8px 0}.content-article a:not(.btn){color:#0D3158;text-decoration:underline;text-underline-offset:3px}.content-intro{font-size:19px!important;color:#102235!important}.content-note{background:#FFF6DE;border-left:5px solid #D4A72C;padding:23px 25px;margin:26px 0}.content-note.warning{background:#FFF0F1;border-left-color:#C8202F}.content-note.info{background:#EDF4FA;border-left-color:#0D3158}.content-note strong{display:block;color:#061D35;margin-bottom:5px}.info-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin:26px 0}.info-card{border:1px solid #DCE3E9;background:#fff;padding:25px}.info-card .number{display:block;color:#D4A72C;font:700 24px var(--serif);margin-bottom:15px}.info-card h3{margin:0 0 10px}.info-card p{font-size:13px}.review-timeline{list-style:none;padding:0;margin:30px 0;counter-reset:review}.review-timeline li{counter-increment:review;display:grid;grid-template-columns:52px 1fr;gap:18px;padding:22px 0;border-top:1px solid #DCE3E9}.review-timeline li:before{content:counter(review,decimal-leading-zero);width:44px;height:44px;border:1px solid #D4A72C;border-radius:50%;display:grid;place-items:center;color:#061D35;font:700 17px var(--serif)}.review-timeline strong{display:block;color:#061D35;margin-bottom:4px}.review-timeline span{color:#4F6477;font-size:14px}.content-table-wrap{overflow-x:auto;margin:26px 0;border:1px solid #DCE3E9}.content-table{width:100%;min-width:670px;border-collapse:collapse}.content-table caption{text-align:left;padding:16px;background:#EDF4FA;color:#061D35;font-weight:800}.content-table th,.content-table td{padding:14px 15px;border-bottom:1px solid #DCE3E9;text-align:left;vertical-align:top;font-size:13px}.content-table thead th{background:#061D35;color:#fff}.content-table tbody th{color:#061D35}.content-table tbody tr:nth-child(even){background:#F4F7FA}.source-list{padding:0;list-style:none}.source-list li{padding:14px 0;border-top:1px solid #DCE3E9}.source-list small{display:block;color:#637486}.article-cta{background:#061D35;color:#fff;padding:42px;margin-top:30px}.article-cta h2{color:#fff!important}.article-cta p{color:#c7d4df!important}.article-cta-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}.learning-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-top:32px}.learning-card{border:1px solid #DCE3E9;background:#fff;padding:30px;display:flex;flex-direction:column;min-height:300px}.learning-card .topic{color:#C8202F;font-size:9px;font-weight:800;letter-spacing:.13em;text-transform:uppercase}.learning-card h2{font:700 29px/1.1 var(--serif);color:#061D35;margin:14px 0}.learning-card p{color:#52677A;font-size:13px}.learning-card a{margin-top:auto;color:#0D3158;font-size:11px;font-weight:800;letter-spacing:.07em;text-transform:uppercase;text-decoration:underline}.trust-source{font-size:11px;color:#637486}.trust-source a{text-decoration:underline}.sample-layout{display:grid;grid-template-columns:minmax(300px,.82fr) 1.18fr;gap:68px;align-items:start}.sample-cover{position:sticky;top:120px;background:#F4F7FA;padding:24px;border:1px solid #DCE3E9}.sample-cover img{display:block;width:100%;height:auto;box-shadow:0 14px 35px rgba(6,29,53,.17)}.sample-cover .btn{width:100%;margin-top:18px}.sample-cover small{display:block;color:#637486;font-size:10px;margin-top:10px;text-align:center}.sample-sections{display:grid;gap:14px;margin:24px 0}.sample-section-card{border:1px solid #DCE3E9;padding:22px;background:#fff}.sample-section-card h3{margin:0 0 8px;font-size:21px}.sample-section-card p{margin:0;font-size:13px}.sample-data{display:grid;grid-template-columns:170px 1fr;gap:8px 18px;border-top:1px solid #DCE3E9;padding:15px 0}.sample-data dt{color:#52677A;font-size:12px;font-weight:800}.sample-data dd{margin:0;color:#102235;font-size:13px}.sample-label{display:inline-block;background:#FFF0F1;color:#A91624;padding:6px 9px;font-size:9px;font-weight:800;letter-spacing:.1em;text-transform:uppercase}.conversion-strip{background:#FFF6DE;border-top:1px solid #EAD7A2;border-bottom:1px solid #EAD7A2;padding:22px 0}.conversion-strip .wrap{display:flex;align-items:center;justify-content:space-between;gap:25px}.conversion-strip strong{color:#061D35}.conversion-strip span{display:block;color:#52677A;font-size:12px}.mobile-conversion{display:none}.content-faq details{border-top:1px solid #DCE3E9;padding:18px 0}.content-faq details:last-child{border-bottom:1px solid #DCE3E9}.content-faq summary{color:#061D35;font-weight:800;cursor:pointer;display:flex;justify-content:space-between;gap:20px;min-height:44px;align-items:center}.content-faq summary span{color:#C8202F;font-size:21px}.content-faq details[open] summary span{transform:rotate(45deg)}.content-faq p{padding-right:40px}.editorial{background:#F4F7FA;padding:20px 0;border-top:1px solid #DCE3E9}.editorial .wrap{display:flex;justify-content:space-between;gap:25px;color:#52677A;font-size:10px}.editorial a{text-decoration:underline}
@media(max-width:900px){.content-shell{grid-template-columns:1fr;gap:30px}.content-toc{position:static;display:grid;grid-template-columns:repeat(2,1fr);gap:0 18px}.content-toc strong,.content-toc .toc-cta{grid-column:1/-1}.sample-layout{grid-template-columns:1fr}.sample-cover{position:static;max-width:520px;margin:auto}.learning-grid{grid-template-columns:1fr}.conversion-strip .wrap{align-items:flex-start;flex-direction:column}.content-hero{padding:65px 0}}
@media(max-width:620px){.content-hero h1{font-size:42px}.content-hero-actions{flex-direction:column}.content-hero-actions .btn{width:100%}.content-shell{padding:55px 0 90px}.content-toc{grid-template-columns:1fr}.info-grid{grid-template-columns:1fr}.content-article h2{font-size:34px}.content-article p,.content-article li{font-size:14px}.content-note{padding:20px}.article-cta{padding:30px 24px}.sample-data{grid-template-columns:1fr;gap:3px}.sample-data dd{padding-bottom:8px}.editorial .wrap{display:block}.mobile-conversion{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:40;background:#061D35;border-top:2px solid #D4A72C;padding:10px 15px;gap:10px}.mobile-conversion .btn{flex:1;min-height:46px;padding:11px 10px;font-size:10px}.mobile-conversion .sample-mobile{background:#fff;color:#061D35}.has-mobile-conversion{padding-bottom:68px}}
@media(forced-colors:active){.content-note,.info-card,.sample-section-card,.sample-cover{border:2px solid ButtonText}}
