:root{--navy:#1D3971;--sky:#68C3EB;--gray:#D2D2D2;--white:#fff;--black:#000;--ink:#17243d;--muted:#626d7d;--wash:#f5f7f9;--line:#dfe5eb;--max:1440px;--reading:780px;--pad:clamp(24px,5vw,76px)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased;overflow-x:hidden}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}p{line-height:1.72;text-wrap:pretty}button{font:inherit}.site{overflow:hidden}.frame{max-width:var(--max);margin:auto}.skip{position:absolute;left:-9999px;top:10px;z-index:100;background:#fff;color:var(--navy);padding:12px 16px}.skip:focus{left:12px}:focus-visible{outline:3px solid var(--sky);outline-offset:4px}
.nav{position:absolute;z-index:30;top:0;left:0;right:0;padding:22px var(--pad);display:flex;align-items:center;justify-content:space-between;color:#fff;background:rgba(29,57,113,.94);border-bottom:1px solid rgba(255,255,255,.14);backdrop-filter:blur(10px)}.brand{display:flex;align-items:center;gap:22px;min-width:0}.brand-logo{width:340px;max-width:31vw}.brand-logo img{width:100%}.brand-division{min-height:36px;padding-left:20px;border-left:1px solid rgba(255,255,255,.35);display:flex;align-items:center;font-size:13px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--sky);white-space:nowrap}.navlinks{display:flex;gap:25px;align-items:center;font-size:14px;font-weight:600;letter-spacing:.04em;text-transform:uppercase}.navlinks a:hover,.navlinks a[aria-current="page"]{color:var(--sky)}.navlinks .cta{border:1px solid rgba(255,255,255,.7);padding:13px 18px;color:#fff}.menu-btn{display:none;background:none;border:0;color:#fff;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:12px;cursor:pointer}.mobile-panel{display:none;position:fixed;z-index:50;inset:0;background:var(--navy);color:#fff;padding:24px}.mobile-panel.open{display:flex;flex-direction:column}.mobile-head{display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid rgba(255,255,255,.18);padding-bottom:18px}.mobile-head img{width:250px;max-width:70vw}.close-btn{background:none;border:0;color:#fff;font-size:28px;padding:8px}.mobile-links{display:grid;margin-top:32px}.mobile-links a{font-size:21px;padding:18px 0;border-bottom:1px solid rgba(255,255,255,.15)}.mobile-links .mobile-cta{color:var(--sky)}
.hero{min-height:86vh;display:grid;grid-template-columns:56% 44%;background:var(--navy);color:#fff}.hero-copy{display:flex;align-items:flex-end;padding:155px var(--pad) 72px}.hero-inner{max-width:790px}.eyebrow{display:flex;align-items:center;gap:14px;font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--sky);margin-bottom:24px}.eyebrow:before{content:"";width:42px;height:2px;background:var(--sky)}.hero h1{font-size:clamp(45px,4.25vw,66px);line-height:1.04;letter-spacing:-.036em;font-weight:500;margin:0 0 28px;max-width:800px;text-wrap:balance}.hero h1 span{color:var(--sky)}.hero p{max-width:680px;font-size:clamp(18px,1.25vw,20px);color:rgba(255,255,255,.87);margin:0 0 34px}.actions{display:flex;align-items:center;gap:22px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;min-height:52px;padding:0 22px;background:var(--sky);color:var(--navy);font-weight:700;font-size:14px;letter-spacing:.02em}.textlink{font-weight:700;font-size:14px;border-bottom:1px solid rgba(255,255,255,.45);padding-bottom:5px}.hero-media{position:relative;min-height:86vh;overflow:hidden}.hero-media:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(8,21,48,.15),rgba(8,21,48,.02) 45%,rgba(8,21,48,.28))}.hero-media img{width:100%;height:100%;object-fit:cover}.geo-tag{position:absolute;z-index:2;bottom:40px;left:36px;right:36px;display:flex;justify-content:space-between;align-items:end;padding-top:20px;border-top:1px solid rgba(255,255,255,.55);color:#fff}.geo-tag strong{display:block;font-size:16px}.geo-tag small{font-size:12px;letter-spacing:.07em}.geo-mark{font-size:28px}
.breadcrumb{padding:20px var(--pad);background:#fff;border-bottom:1px solid var(--line);font-size:13px;color:var(--muted)}.breadcrumb a{color:var(--navy);font-weight:600}.breadcrumb span{margin:0 9px;color:#a3acb7}
.section{padding:clamp(84px,8vw,132px) var(--pad)}.section-inner{max-width:var(--max);margin:auto}.intro-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(300px,.7fr);gap:clamp(50px,8vw,120px);align-items:start}.kicker{color:var(--navy);font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;margin-bottom:18px}.section h2{font-size:clamp(33px,3.5vw,52px);line-height:1.08;letter-spacing:-.032em;font-weight:500;margin:0 0 26px;max-width:900px;text-wrap:balance}.lede{font-size:clamp(19px,1.6vw,23px);line-height:1.58;color:#34445e;max-width:820px}.bodycopy{font-size:17px;color:#4f5e70;max-width:760px}.bodycopy p:first-child{margin-top:0}.side-note{border-top:2px solid var(--sky);padding-top:24px}.side-note strong{font-size:18px;color:var(--navy)}.side-note p{font-size:15px;color:var(--muted)}.source-note{font-size:13px;color:#7b8593;margin-top:20px}.source-note a{text-decoration:underline;text-underline-offset:3px}
.dark{background:var(--navy);color:#fff}.dark h2,.dark .kicker{color:#fff}.dark .kicker{opacity:.75}.dark .lede,.dark .bodycopy{color:rgba(255,255,255,.82)}.dark .side-note{border-color:var(--sky)}.dark .side-note strong{color:var(--sky)}.dark .side-note p{color:rgba(255,255,255,.7)}
.editorial-list{margin-top:54px;border-top:1px solid var(--line)}.editorial-row{display:grid;grid-template-columns:90px minmax(260px,.75fr) 1.25fr;gap:32px;padding:30px 0;border-bottom:1px solid var(--line);align-items:start}.editorial-row .num{color:var(--sky);font-size:13px;font-weight:800;letter-spacing:.12em}.editorial-row h3{font-size:22px;line-height:1.22;margin:0;color:var(--navy);font-weight:600}.editorial-row p{font-size:16px;color:var(--muted);margin:0}.dark .editorial-list{border-color:rgba(255,255,255,.18)}.dark .editorial-row{border-color:rgba(255,255,255,.18)}.dark .editorial-row h3{color:#fff}.dark .editorial-row p{color:rgba(255,255,255,.72)}
.split-media{display:grid;grid-template-columns:46% 54%;min-height:620px}.split-media .media{overflow:hidden}.split-media .media img{width:100%;height:100%;object-fit:cover}.split-media .copy{padding:clamp(70px,8vw,120px) var(--pad);background:var(--wash);display:flex;align-items:center}.split-media .copy-inner{max-width:690px}.split-media h2{font-size:clamp(34px,3.6vw,54px);line-height:1.07;letter-spacing:-.035em;font-weight:500;margin:0 0 25px}.split-media p{font-size:17px;color:var(--muted)}
.matrix{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));border-top:1px solid var(--line);margin-top:48px}.matrix-item{padding:34px 38px 34px 0;border-bottom:1px solid var(--line)}.matrix-item:nth-child(odd){border-right:1px solid var(--line)}.matrix-item:nth-child(even){padding-left:38px}.matrix-item h3{font-size:21px;color:var(--navy);margin:0 0 12px}.matrix-item p{font-size:15.5px;color:var(--muted);margin:0}.dark .matrix{border-color:rgba(255,255,255,.18)}.dark .matrix-item{border-color:rgba(255,255,255,.18)}.dark .matrix-item h3{color:var(--sky)}.dark .matrix-item p{color:rgba(255,255,255,.72)}
.related{background:#eef7fb}.related-grid{display:grid;grid-template-columns:.7fr 1.3fr;gap:80px;align-items:start}.related-links{border-top:1px solid #bed7e4}.related-link{display:grid;grid-template-columns:1fr auto;gap:24px;padding:24px 0;border-bottom:1px solid #bed7e4}.related-link strong{font-size:19px;color:var(--navy)}.related-link span{color:var(--navy);font-size:22px}.related-link small{display:block;color:#617182;margin-top:5px;line-height:1.5}
.faq-list{max-width:980px;border-top:1px solid var(--line);margin-top:45px}.faq-item{padding:28px 0;border-bottom:1px solid var(--line)}.faq-item h3{font-size:20px;margin:0 0 12px;color:var(--navy)}.faq-item p{font-size:16px;color:var(--muted);margin:0}
.footer-cta{background:var(--sky);color:var(--navy);padding:72px var(--pad)}.footer-cta-inner{max-width:var(--max);margin:auto;display:grid;grid-template-columns:.45fr 1.55fr;gap:60px}.footer-cta-label{font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase}.footer-cta h2{font-size:clamp(32px,3.3vw,50px);line-height:1.08;letter-spacing:-.03em;font-weight:500;margin:0 0 30px;max-width:960px}.footer-cta-action{display:inline-flex;align-items:center;gap:16px;font-weight:800;border-bottom:2px solid var(--navy);padding-bottom:8px}.premium-footer{background:var(--navy);color:#fff;padding:70px var(--pad) 30px}.premium-footer-inner{max-width:var(--max);margin:auto}.footer-grid{display:grid;grid-template-columns:1.3fr repeat(3,.7fr);gap:55px}.footer-brand img{width:330px;max-width:100%;margin-bottom:25px}.footer-brand p{max-width:430px;color:rgba(255,255,255,.68);font-size:14px}.footer-col-title{color:var(--sky);font-size:12px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;margin-bottom:18px}.footer-links{display:grid;gap:13px;font-size:14px;color:rgba(255,255,255,.78)}.footer-links a:hover{color:var(--sky)}.footer-rule{border-top:1px solid rgba(255,255,255,.16);margin:45px 0 24px}.footer-bottom{display:flex;justify-content:space-between;gap:25px;font-size:12px;color:rgba(255,255,255,.55)}.footer-bottom-links{display:flex;gap:20px}
@media(max-width:1100px){.navlinks{display:none}.menu-btn{display:block}.brand-logo{max-width:48vw}.hero{grid-template-columns:1fr;min-height:auto}.hero-copy{min-height:72vh;padding-top:150px}.hero-media{min-height:52vh}.intro-grid,.related-grid{grid-template-columns:1fr;gap:45px}.split-media{grid-template-columns:1fr}.split-media .media{min-height:52vh}.footer-grid{grid-template-columns:1.2fr 1fr 1fr}.footer-grid>div:last-child{grid-column:2/4}.footer-cta-inner{grid-template-columns:1fr;gap:22px}}
@media(max-width:700px){:root{--pad:22px}.nav{padding:16px var(--pad)}.brand{gap:12px}.brand-logo{width:225px;max-width:65vw}.brand-division{font-size:10px;padding-left:12px;letter-spacing:.12em}.hero-copy{min-height:auto;padding:135px var(--pad) 62px}.hero h1{font-size:clamp(34px,10vw,42px);line-height:1.06}.hero p{font-size:17px}.hero-media{min-height:390px}.geo-tag{left:22px;right:22px;bottom:24px}.breadcrumb{padding:16px var(--pad);font-size:12px}.section{padding:74px var(--pad)}.section h2,.split-media h2{font-size:clamp(28px,8.5vw,36px)}.lede{font-size:18px}.bodycopy{font-size:16px}.editorial-row{grid-template-columns:48px 1fr;gap:18px}.editorial-row p{grid-column:2}.matrix{grid-template-columns:1fr}.matrix-item,.matrix-item:nth-child(even){padding:26px 0;border-right:0}.footer-cta{padding:58px var(--pad)}.footer-grid{grid-template-columns:1fr;gap:38px}.footer-grid>div:last-child{grid-column:auto}.footer-bottom{flex-direction:column}.footer-bottom-links{flex-wrap:wrap}.mobile-links a{font-size:19px}}