:root{
  --navy:#2B2E83;--navy-2:#40449B;--gold:#D8A63D;--gold-dark:#8D6B18;
  --cream:#FFFFFF;--ink:#17231F;--muted:#5D6963;--line:#E5EAE7;
  --emerald:#0EA672;--emerald-2:#087A52;--paper:#F6F8F7;--radius:22px;
}
*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;overflow-x:hidden;}
body{font-family:'Plus Jakarta Sans',sans-serif;color:var(--ink);background:var(--paper);line-height:1.75;}
h1,h2,h3,h4,.logo,.foot-logo,.kicker{font-family:'Outfit',sans-serif;letter-spacing:-.025em;}
a{text-decoration:none;color:inherit;}
img{max-width:100%;display:block;}
.wrap{width:min(1140px,calc(100% - 48px));margin-inline:auto;}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:50px;padding:12px 24px;border:2px solid transparent;border-radius:999px;font:700 14px 'Outfit',sans-serif;cursor:pointer;transition:.22s ease;}
.btn-primary{color:#fff;background:linear-gradient(135deg,#12AE73,#098B5B);box-shadow:0 12px 28px rgba(9,139,91,.24);}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 16px 34px rgba(9,139,91,.32);}
.btn-outline{color:var(--navy);border-color:rgba(43,46,131,.28);background:#fff;}
.btn-outline:hover{color:#fff;background:var(--navy);border-color:var(--navy);}
:where(a,button):focus-visible{outline:3px solid #F6C512;outline-offset:4px;}
.skip-link{position:fixed;left:16px;top:12px;z-index:200;transform:translateY(-160%);padding:10px 16px;border-radius:10px;color:#171947;background:#F6C512;font-weight:800;box-shadow:0 10px 28px rgba(0,0,0,.24);transition:transform .18s ease;}
.skip-link:focus{transform:translateY(0);}
.sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important;}

header{position:sticky;top:0;z-index:50;background:#171947;border-bottom:1px solid rgba(255,255,255,.1);}
.nav{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:20px;max-width:1220px;min-height:78px;}
.brand-group{display:flex;align-items:center;gap:10px;min-width:0;}
.logo{display:inline-flex;color:#fff;font-size:18px;font-weight:800;white-space:nowrap;text-transform:lowercase;}
.gold-accent{color:#F6C512;}
.brand-divider{width:1px;height:23px;background:rgba(255,255,255,.28);flex:0 0 auto;}
.partner-lockup{display:inline-flex;align-items:center;gap:6px;}
.partner-logo-icon{width:auto;height:16px;}
.partner-logo-text{font:800 14px 'Outfit',sans-serif;color:#fff;white-space:nowrap;}
.nav-links{display:flex;justify-content:center;align-items:center;gap:3px;min-width:0;}
.nav-links>a,.nav-dropdown-trigger{display:inline-flex;align-items:center;min-height:38px;padding:8px 12px;border:0;border-radius:999px;background:none;color:#E4E8F5;font:650 12.5px 'Plus Jakarta Sans',sans-serif;white-space:nowrap;cursor:pointer;transition:.2s ease;}
.nav-links>a:hover,.nav-dropdown-trigger:hover{color:#fff;background:rgba(255,255,255,.1);}
.nav-dropdown{position:relative;display:flex;align-items:center;}
.nav-caret{margin-left:5px;color:#F4D76A;font-size:9px;transition:transform .2s ease;}
.nav-dropdown.is-open .nav-caret{transform:rotate(180deg);}
.nav-dropdown-menu{position:absolute;top:calc(100% + 12px);left:0;z-index:80;min-width:250px;padding:8px;border:1px solid rgba(43,46,131,.1);border-radius:18px;background:#fff;box-shadow:0 24px 58px rgba(7,9,42,.3);opacity:0;visibility:hidden;transform:translateY(-6px);transition:.2s ease;}
.nav-resources-menu{left:50%;transform:translate(-50%,-6px);}
.nav-dropdown.is-open .nav-dropdown-menu,.nav-dropdown:hover .nav-dropdown-menu{opacity:1;visibility:visible;transform:translateY(0);}
.nav-dropdown.is-open .nav-resources-menu,.nav-dropdown:hover .nav-resources-menu{transform:translate(-50%,0);}
.nav-dropdown-menu a{display:flex;align-items:center;min-height:44px;padding:9px 12px;border-radius:12px;color:#20245F;font-size:13.5px;font-weight:700;}
.nav-dropdown-menu a:hover{background:#F2F4FA;}
.nav-dropdown-menu a[aria-current="page"]{background:linear-gradient(135deg,rgba(43,46,131,.1),rgba(14,166,114,.08));}
.nav-cta{display:flex;align-items:center;gap:10px;}
.nav-cta .btn{min-height:44px;padding:9px 18px;font-size:13px;white-space:nowrap;}
.menu-toggle{display:none;width:42px;height:42px;padding:10px;border:0;border-radius:12px;color:#fff;background:none;cursor:pointer;}
.menu-toggle-lines{height:16px;display:flex;flex-direction:column;justify-content:space-between;}
.menu-toggle-lines span{display:block;height:2px;border-radius:99px;background:currentColor;transition:.2s ease;}
.menu-toggle.is-open .menu-toggle-lines span:first-child{transform:translateY(7px) rotate(45deg);}
.menu-toggle.is-open .menu-toggle-lines span:nth-child(2){opacity:0;}
.menu-toggle.is-open .menu-toggle-lines span:last-child{transform:translateY(-7px) rotate(-45deg);}

.reading-progress{
  position:fixed;
  top:var(--site-header-space,78px);
  left:0;
  z-index:55;
  width:0;
  height:3px;
  pointer-events:none;
  transform:translateY(-100%);
  border-radius:0 999px 999px 0;
  background:linear-gradient(90deg,#F6C512,#79D67B 58%,#2BD696);
  box-shadow:0 0 12px rgba(43,214,150,.4);
  transition:width .08s linear;
}
.article-hero{position:relative;overflow:hidden;color:#fff;background:linear-gradient(120deg,#171947 0%,#2B2E83 58%,#095E57 100%);}
.article-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 12% 20%,rgba(246,197,18,.18),transparent 30%),radial-gradient(circle at 86% 82%,rgba(43,214,150,.2),transparent 34%);pointer-events:none;}
.article-hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,1.2fr) minmax(320px,.8fr);align-items:center;gap:40px;padding-block:42px;}
.article-breadcrumb{display:flex;align-items:center;gap:5px;flex-wrap:wrap;margin-bottom:10px;color:#D6DDF1;font-size:12px;font-weight:700;}
.article-breadcrumb a{display:inline-flex;align-items:center;min-height:44px;padding:6px 3px;}
.article-breadcrumb a:hover{color:#F6C512;}
.article-category{display:inline-flex;align-items:center;gap:8px;margin-bottom:12px;padding:7px 12px;border:1px solid rgba(246,197,18,.32);border-radius:999px;color:#FFE48B;background:rgba(246,197,18,.1);font:800 11px 'Outfit',sans-serif;letter-spacing:.08em;text-transform:uppercase;}
.article-category::before{content:'';width:6px;height:6px;border-radius:50%;background:#F6C512;box-shadow:0 0 0 4px rgba(246,197,18,.12);}
.article-title{max-width:720px;font-size:clamp(34px,3.4vw,50px);font-weight:800;line-height:1.08;}
.article-dek{max-width:700px;margin-top:14px;color:#D9E0EF;font-size:15px;line-height:1.68;}
.article-meta{display:grid;grid-template-columns:max-content minmax(0,1fr);gap:7px 18px;margin-top:16px;color:#E6EBF5;font-size:11.5px;font-weight:650;}
.article-meta>*{display:flex;align-items:center;min-width:0;padding-left:9px;border-left:2px solid rgba(246,197,18,.76);line-height:1.45;}
.article-cover{position:relative;overflow:hidden;border:1px solid rgba(255,255,255,.18);border-radius:22px;box-shadow:0 24px 56px rgba(4,7,43,.34);transform:rotate(.6deg);}
.article-cover::after{content:'';position:absolute;inset:0;border-radius:inherit;box-shadow:inset 0 0 0 1px rgba(255,255,255,.1);pointer-events:none;}
.article-cover img{width:100%;height:auto;aspect-ratio:3/2;object-fit:cover;}

.article-main{
  position:relative;
  isolation:isolate;
  padding:76px 0 92px;
  background:
    radial-gradient(circle at 4% 7%,rgba(216,166,61,.11),transparent 25%),
    radial-gradient(circle at 96% 34%,rgba(14,166,114,.09),transparent 26%),
    linear-gradient(180deg,#F3F6F6 0%,#FFF 34%,#F8F5EC 100%);
}
.article-main::before{
  content:'';
  position:absolute;
  inset:0;
  z-index:-1;
  pointer-events:none;
  opacity:.34;
  background-image:
    linear-gradient(rgba(43,46,131,.035) 1px,transparent 1px),
    linear-gradient(90deg,rgba(43,46,131,.035) 1px,transparent 1px);
  background-size:72px 72px;
  -webkit-mask-image:linear-gradient(180deg,#000,transparent 62%);
  mask-image:linear-gradient(180deg,#000,transparent 62%);
}
.article-layout{position:relative;display:grid;grid-template-columns:minmax(0,760px) minmax(270px,1fr);align-items:start;gap:34px;}
.article-content{
  position:relative;
  min-width:0;
  overflow:hidden;
  padding:46px 50px 50px;
  border:1px solid rgba(43,46,131,.09);
  border-radius:30px;
  background:rgba(255,255,255,.97);
  box-shadow:0 24px 64px rgba(18,38,31,.09),inset 0 1px 0 #fff;
}
.article-content::before{
  content:'';
  position:absolute;
  inset:0 0 auto;
  height:4px;
  background:linear-gradient(90deg,#F6C512,#79D67B 58%,#2BD696);
}
.article-lead{margin-bottom:34px;padding:23px 25px;border:1px solid rgba(216,166,61,.2);border-left:4px solid var(--gold);border-radius:0 18px 18px 0;color:#283A34;background:linear-gradient(135deg,#FFF9E9,#F8FBF8);font-size:16px;font-weight:600;box-shadow:0 10px 24px rgba(18,38,31,.045);}
.article-content h2{margin:50px 0 17px;color:var(--navy);font-size:clamp(25px,3vw,33px);line-height:1.2;scroll-margin-top:calc(var(--site-header-space,78px) + 24px);text-wrap:balance;}
.article-content h2:first-of-type{margin-top:14px;}
.article-content h3{margin:30px 0 10px;color:#253077;font-size:20px;line-height:1.35;}
.article-content p{margin:0 0 19px;color:#35443F;font-size:15.5px;line-height:1.82;}
.article-content p,
.article-content li{
  text-align:justify;
  text-align-last:left;
  text-justify:inter-word;
  -webkit-hyphens:auto;
  hyphens:auto;
  overflow-wrap:break-word;
}
.article-content ul,.article-content ol{margin:0 0 24px 22px;color:#35443F;}
.article-content li{margin-bottom:10px;padding-left:6px;line-height:1.78;}
.article-content li::marker{color:var(--emerald-2);font-weight:800;}
.article-content strong{color:#1B2D27;}
.article-content a{color:#176A57;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px;}
.article-content a:hover{color:var(--navy);}
.article-callout{position:relative;margin:30px 0;padding:23px 25px 23px 28px;border:1px solid rgba(14,166,114,.2);border-radius:19px;background:linear-gradient(135deg,rgba(14,166,114,.085),rgba(43,46,131,.05));box-shadow:0 12px 28px rgba(18,38,31,.045);}
.article-callout::before{content:'';position:absolute;inset:12px auto 12px 0;width:4px;border-radius:0 999px 999px 0;background:linear-gradient(180deg,#F6C512,#2BD696);}
.article-callout h3{margin:0 0 8px;color:var(--emerald-2);font-size:17px;}
.article-callout p:last-child,.article-callout ul:last-child{margin-bottom:0;}
.article-checklist{list-style:none;margin-left:0!important;}
.article-checklist li{position:relative;padding-left:28px;}
.article-checklist li::before{content:'';position:absolute;left:0;top:.55em;width:13px;height:7px;border-left:2px solid var(--emerald);border-bottom:2px solid var(--emerald);transform:rotate(-45deg);}
.article-table-wrap{max-width:100%;overflow-x:auto;margin:26px 0;border:1px solid rgba(43,46,131,.12);border-radius:18px;background:#fff;box-shadow:0 12px 28px rgba(18,38,31,.055);scrollbar-color:var(--gold) #EEF1EF;overscroll-behavior-inline:contain;-webkit-overflow-scrolling:touch;}
.article-table-wrap:focus-visible{outline:3px solid #F6C512;outline-offset:4px;}
.article-table{width:100%;min-width:620px;border-collapse:collapse;font-size:13.5px;}
.article-table th,.article-table td{padding:14px 16px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top;}
.article-table th{color:#fff;background:var(--navy);font:700 13px 'Outfit',sans-serif;}
.article-table tr:last-child td{border-bottom:0;}
.article-table tbody tr:nth-child(even){background:#F8FAF9;}
.article-sources{margin-top:48px;padding-top:30px;border-top:1px solid var(--line);}
.article-sources h2{margin-top:0;font-size:24px;}
.article-sources ol{font-size:13px;line-height:1.65;}
.article-sources li{margin-bottom:11px;}
.article-disclaimer{margin-top:28px;padding:18px 20px;border:1px solid rgba(43,46,131,.13);border-radius:15px;color:#59655F;background:#F6F7FB;font-size:12.5px;}
.article-sidebar{position:sticky;top:calc(var(--site-header-space,78px) + 22px);display:grid;gap:18px;}
.article-side-card{padding:24px;border:1px solid rgba(43,46,131,.1);border-radius:22px;background:rgba(255,255,255,.94);box-shadow:0 16px 40px rgba(18,38,31,.075),inset 0 1px 0 #fff;-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);}
.article-side-card h3{margin-bottom:14px;color:var(--navy);font-size:17px;}
.article-toc{display:grid;gap:7px;}
.article-toc a{display:flex;align-items:center;min-height:44px;padding:8px 10px;border-left:2px solid #E1E5E3;color:#5B6761;font-size:12.5px;font-weight:650;line-height:1.45;transition:.2s ease;}
.article-toc a:hover,.article-toc a.is-active{border-left-color:var(--gold);color:var(--navy);background:linear-gradient(90deg,#FFF8E2,rgba(247,249,248,.72));}
.article-toc a.is-active{font-weight:800;box-shadow:inset 3px 0 0 rgba(14,166,114,.28);}
.article-mobile-toc{display:none;margin:0 0 28px;border:1px solid rgba(43,46,131,.14);border-radius:16px;background:#F7F8FC;overflow:hidden;}
.article-mobile-toc summary{display:flex;align-items:center;justify-content:space-between;min-height:50px;padding:12px 16px;color:var(--navy);font:800 14px 'Outfit',sans-serif;cursor:pointer;list-style:none;}
.article-mobile-toc summary::-webkit-details-marker{display:none;}
.article-mobile-toc summary::after{content:'+';font-size:20px;font-weight:700;line-height:1;}
.article-mobile-toc[open] summary::after{content:'−';}
.article-mobile-toc .article-toc{padding:4px 14px 14px;}
.article-source-note p{color:#63706A;font-size:12.5px;line-height:1.65;}
.article-source-note a{display:inline-flex;align-items:center;min-height:44px;margin-top:6px;color:var(--emerald-2);font-size:12.5px;font-weight:800;}
.article-side-cta{color:#fff;background:linear-gradient(145deg,#20246F,#0B6D62);}
.article-side-cta h3{color:#fff;}
.article-side-cta p{margin-bottom:16px;color:#DDE6ED;font-size:12.5px;}
.article-side-cta .btn{width:100%;background:#fff;color:var(--navy);box-shadow:none;}
.article-next{padding:76px 0;background:#171947;color:#fff;}
.article-next-grid{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:30px;}
.article-next .kicker{color:#F6C512;font-size:12px;letter-spacing:.08em;text-transform:uppercase;}
.article-next h2{max-width:720px;margin-top:8px;font-size:clamp(28px,3.5vw,42px);line-height:1.18;}
.article-next p{max-width:720px;margin-top:10px;color:#CDD6E5;font-size:14px;}
.article-next-actions{display:flex;gap:10px;flex-wrap:wrap;justify-content:flex-end;}
.article-next .btn-outline{color:#fff;border-color:rgba(255,255,255,.35);background:transparent;}
.article-next .btn-outline:hover{background:rgba(255,255,255,.1);}

footer{position:relative;overflow:hidden;color:#AEB7CE;background:#11133E;padding:54px 0 24px;}
.foot-center{display:flex;flex-direction:column;align-items:center;gap:15px;text-align:center;}
.foot-logo{color:#fff;font-size:20px;font-weight:800;text-transform:lowercase;}
.foot-tagline{max-width:520px;color:#A8B3CA;font-size:13px;text-align:center;}
.foot-nav{display:flex;justify-content:center;gap:6px;flex-wrap:wrap;}
.foot-nav a{padding:6px 10px;border-radius:999px;color:#DEE3F1;font-size:13px;}
.foot-nav a:hover{color:#F6C512;background:rgba(255,255,255,.06);}
.foot-bottom{width:100%;margin-top:5px;padding-top:18px;border-top:1px solid rgba(255,255,255,.09);color:#8491AC;font-size:12px;}
.wa-float{position:fixed;right:24px;bottom:24px;z-index:60;display:flex;align-items:center;justify-content:center;width:56px;height:56px;border-radius:50%;color:#fff;background:#25D366;box-shadow:0 10px 28px rgba(0,0,0,.25);}
.reveal{opacity:0;transform:translateY(16px);transition:opacity .55s ease,transform .55s ease;}
.reveal-in{opacity:1;transform:none;}

@media(max-width:1180px){
  .nav{grid-template-columns:auto auto;justify-content:space-between;}
  .nav-links{display:none;position:absolute;top:100%;left:0;right:0;z-index:100;max-height:calc(100vh - 74px);overflow-y:auto;flex-direction:column;align-items:stretch;gap:0;padding:10px 22px 24px;background:#171947;border-top:1px solid rgba(255,255,255,.1);box-shadow:0 26px 48px rgba(4,7,43,.36);}
  .nav-links.show{display:flex;}
  .nav-links>a,.nav-dropdown-trigger{width:100%;min-height:48px;justify-content:flex-start;padding:12px 14px;border-radius:12px;}
  .nav-dropdown{width:100%;flex-direction:column;align-items:stretch;}
  .nav-caret{margin-left:auto;}
  .nav-dropdown-menu,.nav-resources-menu{position:static;display:none;width:100%;min-width:0;margin:2px 0 10px;opacity:1;visibility:visible;transform:none!important;}
  .nav-dropdown.is-open .nav-dropdown-menu{display:block;}
  .menu-toggle{display:block;}
  .nav-cta .btn{display:none;}
  .article-layout{grid-template-columns:1fr;}
  .article-sidebar{position:static;grid-template-columns:1fr 1fr;}
  .article-sidebar .article-side-card:first-child{display:none;}
  .article-mobile-toc{display:block;}
}
@media(max-width:980px){
  .article-hero-grid{grid-template-columns:1fr;gap:24px;padding-block:38px;}
  .article-cover{width:100%;max-width:none;transform:none;}
  .article-cover img{aspect-ratio:16/7;}
}
@media(max-width:820px){
  .article-main{padding-block:54px 64px;}
  .article-content{padding:34px 30px;}
  .article-next-grid{grid-template-columns:1fr;}
  .article-next-actions{justify-content:flex-start;}
}
@media(max-width:480px){
  header .brand-divider,header .partner-lockup{display:none;}
  header .nav{gap:8px;}
  header .nav-cta{gap:6px;}
  header .lang-toggle{min-width:60px;padding:6px 8px;}
}
@media(max-width:560px){
  .wrap{width:min(100% - 32px,1140px);}
  .nav{min-height:68px;}
  .logo{font-size:13.5px;}.partner-logo-icon{height:12px;}.partner-logo-text{font-size:11px;}.brand-divider{height:16px;}
  .article-hero-grid{gap:20px;padding-block:30px;}
  .article-breadcrumb{margin-bottom:7px;}
  .article-title{font-size:31px;line-height:1.1;}
  .article-dek{margin-top:12px;font-size:14px;line-height:1.62;}
  .article-meta{grid-template-columns:1fr;gap:6px;margin-top:14px;font-size:11px;}
  .article-cover img{aspect-ratio:16/9;}
  .article-cover{border-radius:20px;}
  .article-content{padding:28px 21px;border-radius:22px;}
  .article-content p{font-size:14.5px;}
  .article-content h2{font-size:25px;}
  .article-sidebar{grid-template-columns:1fr;}
  .article-next{padding-block:58px;}
  .article-next-actions{flex-direction:column;align-items:stretch;}
  .article-next-actions .btn{width:100%;}
}
@media(prefers-reduced-motion:reduce){*{animation-duration:.01ms!important;transition-duration:.01ms!important;}html{scroll-behavior:auto;}.reveal{opacity:1;transform:none;}}