@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@600;700;800&display=swap');
.skip-link{position:fixed;left:12px;top:-60px;z-index:999;background:#fff;color:#071a2c;padding:10px 14px;border:2px solid #071a2c}.skip-link:focus{top:12px}.article-card[hidden]{display:none}.chip{cursor:pointer}
.brand-logo{width:48px;height:48px;object-fit:contain;flex:0 0 48px}.footer-brand .brand-logo{filter:drop-shadow(0 4px 10px rgba(28,200,183,.22))}
.brand-intro{position:fixed;inset:0;z-index:1000;display:grid;place-content:center;justify-items:center;background:radial-gradient(circle at center,#fff 0,#f9fbfc 52%,#f3f7f9 100%);overflow:hidden;animation:intro-exit .48s cubic-bezier(.65,0,.35,1) 1.48s forwards}.intro-glow{position:absolute;left:50%;top:50%;width:310px;height:310px;border-radius:50%;background:rgba(28,200,183,.11);filter:blur(55px);transform:translate(-50%,-50%) scale(.3);animation:glow-in 1.05s ease-out .04s both}.intro-logo{position:relative;width:220px;height:220px}.intro-layer{position:absolute;inset:0;width:100%;height:100%;object-fit:contain;opacity:0;transform:translateY(18px) scale(.82);filter:blur(8px)}.layer-turquoise{animation:piece-in .46s cubic-bezier(.2,.8,.2,1) .04s forwards}.layer-blue{animation:piece-in .48s cubic-bezier(.2,.8,.2,1) .29s forwards}.layer-green{animation:piece-in .5s cubic-bezier(.2,.8,.2,1) .54s forwards}.intro-word{margin-top:-12px;color:#071a2c;font:800 1.65rem 'Manrope',sans-serif;letter-spacing:-.045em;opacity:0;transform:translateY(12px);animation:word-in .42s ease .82s forwards}.intro-word span{color:#1cc8b7}@keyframes piece-in{0%{opacity:0;transform:translateY(18px) scale(.82);filter:blur(8px)}65%{opacity:1;transform:translateY(-3px) scale(1.035);filter:blur(0)}100%{opacity:1;transform:none;filter:blur(0)}}@keyframes word-in{to{opacity:1;transform:none}}@keyframes glow-in{60%{transform:translate(-50%,-50%) scale(1)}100%{transform:translate(-50%,-50%) scale(.82);opacity:.7}}@keyframes intro-exit{to{opacity:0;visibility:hidden;transform:scale(1.035);pointer-events:none}}@media(prefers-reduced-motion:reduce){.brand-intro{display:none}}
.articles-grid .article-card:has(.card-media){grid-template-columns:180px 1fr}.articles-grid .card-media img{display:block;width:180px;height:132px;object-fit:cover;border-radius:10px}.category-grid .article-card:has(.card-media){grid-template-columns:1fr}.category-grid .card-media img{width:100%;height:190px;border-radius:0}.latest-list .article-card:has(.card-media){grid-template-columns:160px 1fr}.latest-list .card-media img{border-radius:0}@media(max-width:600px){.articles-grid .article-card:has(.card-media){grid-template-columns:1fr}.articles-grid .card-media img{width:100%;height:auto;aspect-ratio:16/9}}
:root{--ink:#071a2c;--ink2:#0d2942;--paper:#f7fafc;--white:#fff;--muted:#607487;--line:#dce7ef;--cyan:#1cc8b7;--cyan2:#b9f5ed;--lime:#d8ff66;--shadow:0 18px 50px rgba(7,26,44,.10)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:'DM Sans',sans-serif;font-size:16px;line-height:1.65}a{color:inherit;text-decoration:none}h1,h2,h3{font-family:'Manrope',sans-serif;line-height:1.12;margin:0}p{margin:0 0 1rem}.site-header{height:78px;display:flex;align-items:center;justify-content:space-between;max-width:1200px;margin:auto;padding:0 28px}.brand{display:flex;align-items:center;gap:11px;font:700 1.12rem 'Manrope'}.brand b{color:#069c90}.brand-mark{display:grid;place-items:center;width:36px;height:36px;border-radius:10px;background:var(--ink);color:var(--lime);font:800 1.1rem 'Manrope';transform:rotate(-4deg)}nav{display:flex;align-items:center;gap:30px;font-weight:600;font-size:.95rem}nav a:hover{color:#087f76}.nav-cta{background:var(--ink);color:#fff;padding:10px 16px;border-radius:10px}.menu-btn{display:none;border:0;background:none;font-size:1.4rem}.hero{max-width:1200px;margin:auto;padding:78px 28px 82px;display:grid;grid-template-columns:1.25fr .75fr;gap:68px;align-items:center;position:relative}.hero:before{content:"";position:absolute;inset:0 28px;background-image:linear-gradient(rgba(7,26,44,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(7,26,44,.035) 1px,transparent 1px);background-size:34px 34px;mask-image:linear-gradient(to right,#000,transparent);z-index:-1}.pill,.eyebrow{display:inline-block;text-transform:uppercase;letter-spacing:.1em;font-weight:800;font-size:.74rem;color:#087f76}.pill{padding:7px 11px;background:var(--cyan2);border-radius:999px;margin-bottom:20px}.hero h1{font-size:clamp(2.8rem,5.5vw,5.25rem);letter-spacing:-.06em;max-width:770px}.hero h1 em{font-style:normal;color:#078f84}.hero-copy>p{font-size:1.18rem;max-width:650px;color:var(--muted);margin:24px 0 30px}.hero-actions{display:flex;gap:12px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:14px 20px;border-radius:11px;font-weight:700}.primary{background:var(--ink);color:#fff}.secondary{border:1px solid var(--line);background:#fff}.white{background:#fff;color:var(--ink);margin-top:10px}.trust-row{display:flex;gap:26px;margin-top:34px;color:var(--muted);font-size:.84rem}.trust-row span{display:flex;flex-direction:column}.trust-row b{color:var(--ink);font-size:1.05rem}.decision-panel{background:var(--ink);color:#fff;border-radius:22px;padding:18px;box-shadow:0 26px 70px rgba(7,26,44,.24);transform:rotate(1deg)}.panel-top{display:flex;justify-content:space-between;padding:7px 8px 16px;font-size:.75rem;color:#9bb1c3;text-transform:uppercase;letter-spacing:.08em}.panel-top b{color:var(--lime)}.decision-panel>a{display:grid;grid-template-columns:38px 1fr auto;gap:12px;align-items:center;padding:17px 14px;border-top:1px solid rgba(255,255,255,.12)}.decision-panel>a>span{display:grid;place-items:center;width:34px;height:34px;border-radius:9px;background:rgba(28,200,183,.15);color:var(--cyan)}.decision-panel small{display:block;color:#9bb1c3}.decision-panel i{font-style:normal;color:var(--lime);font-size:1.3rem}.panel-note{background:var(--cyan);color:var(--ink);padding:12px 14px;border-radius:10px;font-weight:700;font-size:.82rem;margin-top:8px}.proof-strip{background:#fff;border-block:1px solid var(--line);display:grid;grid-template-columns:repeat(4,1fr);max-width:1144px;margin:auto}.proof-strip div{padding:24px 30px;border-right:1px solid var(--line)}.proof-strip div:last-child{border:0}.proof-strip strong,.proof-strip span{display:block}.proof-strip span{font-size:.83rem;color:var(--muted)}.section{max-width:1200px;margin:auto;padding:84px 28px}.section-head{display:flex;justify-content:space-between;align-items:end;margin-bottom:30px}.section-head h2,.tools-band h2,.principles h2,.page-hero h1{font-size:clamp(2rem,4vw,3.4rem);letter-spacing:-.045em}.section-head>a{font-weight:700;color:#087f76}.articles-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.article-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;display:grid;grid-template-columns:48px 1fr;gap:18px;transition:.2s}.article-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#9edfd7}.card-icon{width:48px;height:48px;display:grid;place-items:center;background:var(--ink);color:var(--lime);border-radius:13px;font:800 1.2rem 'Manrope'}.article-card h3{font-size:1.18rem;margin:6px 0 10px}.article-card p{color:var(--muted);font-size:.94rem}.meta{font-size:.78rem;color:#7d8f9f}.tools-band{max-width:1144px;margin:0 auto 30px;border-radius:26px;background:var(--ink);color:#fff;padding:54px;display:grid;grid-template-columns:1.2fr .8fr;gap:60px;align-items:center;position:relative;overflow:hidden}.tools-band:after{content:"";position:absolute;width:260px;height:260px;border:60px solid rgba(28,200,183,.1);border-radius:50%;right:-100px;top:-100px}.tools-band p{color:#b7c6d2;max-width:600px}.light{color:var(--cyan)}.mini-calc{background:#fff;color:var(--ink);padding:22px;border-radius:16px;position:relative;z-index:1}.mini-calc label{font-size:.75rem;color:var(--muted);display:block;margin-bottom:10px}.mini-calc input{width:100%;padding:10px;border:1px solid var(--line);border-radius:8px;background:#f7fafc}.mini-calc>div{display:flex;justify-content:space-between;border-top:1px solid var(--line);padding-top:15px}.mini-calc strong{font-size:1.5rem;color:#078f84}.principles{display:grid;grid-template-columns:.7fr 1.3fr;gap:50px}.principle-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.principle-grid article{border-top:3px solid var(--cyan);padding:18px 5px}.principle-grid b{color:#079a8e}.principle-grid h3{margin:8px 0}.principle-grid p{color:var(--muted);font-size:.9rem}.page-hero{background:var(--ink);color:#fff;padding:80px max(28px,calc((100vw - 1144px)/2));}.page-hero p{color:#b7c6d2;max-width:680px;font-size:1.08rem;margin-top:18px}.compact{padding-block:62px}.filter-row{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:28px}.chip{border:1px solid var(--line);background:#fff;padding:9px 14px;border-radius:999px;font:600 .85rem 'DM Sans'}.chip.active{background:var(--ink);color:#fff}.article-page{max-width:1050px;margin:auto;padding:62px 28px}.article-header{max-width:850px}.back{font-weight:700;color:#078f84;display:block;margin-bottom:30px}.article-header h1{font-size:clamp(2.45rem,5vw,4.4rem);letter-spacing:-.055em;margin:12px 0 18px}.lead{font-size:1.25rem;color:var(--muted)}.byline{display:flex;align-items:center;gap:12px;margin-top:26px}.avatar{width:43px;height:43px;border-radius:50%;display:grid;place-items:center;background:var(--ink);color:var(--lime);font-weight:800}.avatar.large{width:72px;height:72px}.byline span{display:block;color:var(--muted);font-size:.82rem}.article-layout{display:grid;grid-template-columns:minmax(0,720px) 220px;gap:65px;margin-top:55px}.article-body{font-size:1.08rem}.article-body .intro{font-size:1.25rem;font-weight:500;border-left:4px solid var(--cyan);padding-left:20px}.article-body section{margin:42px 0}.article-body h2{font-size:1.55rem;margin-bottom:13px}.article-body p{color:#334f65}.toc{position:sticky;top:25px;align-self:start;border-left:1px solid var(--line);padding-left:20px}.toc b,.toc a{display:block}.toc a{font-size:.85rem;color:var(--muted);margin-top:12px}.checklist{background:#e9fbf8;border-radius:16px;padding:26px}.checklist ul{padding:0;margin:14px 0 0;list-style:none}.checklist li{padding:8px 0}.checklist li:before{content:"✓";color:#078f84;font-weight:800;margin-right:9px}.editor-note{margin-top:28px;border:1px solid var(--line);padding:20px;border-radius:12px}.editor-note p{margin:5px 0 0;font-size:.92rem}.related{padding-top:20px}.calculators{display:grid;gap:18px}.calculator{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px;display:grid;grid-template-columns:.8fr 1.2fr;gap:50px}.tool-no{color:#078f84;font-weight:800}.calculator h2{font-size:1.5rem;margin:7px 0}.calculator p{color:var(--muted)}.calc-fields{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.calc-fields label{font-size:.8rem;font-weight:700;color:var(--muted)}.calc-fields input{display:block;width:100%;font:600 1rem 'DM Sans';padding:12px;margin-top:5px;border:1px solid var(--line);border-radius:9px}.result{grid-column:1/-1;background:var(--ink);color:#fff;border-radius:11px;padding:16px;display:flex;align-items:center;justify-content:space-between}.result strong{font-size:1.45rem;color:var(--lime)}.result.split b{color:var(--lime)}.tool-disclaimer{max-width:1144px;margin:0 auto 70px;padding:18px 22px;background:#fff5d7;border-radius:12px}.legal-page{max-width:820px;margin:60px auto 100px;padding:0 28px;font-size:1.06rem}.legal-page h2{margin:38px 0 10px}.legal-page a{color:#087f76;text-decoration:underline}.author-box{display:flex;gap:18px;background:#fff;border:1px solid var(--line);padding:24px;border-radius:16px}footer{background:#041320;color:#dbe7ef;padding:55px max(28px,calc((100vw - 1144px)/2)) 28px;display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px}.footer-brand{color:#fff}.footer-brand .brand-mark{background:var(--cyan);color:var(--ink)}footer p{color:#8fa5b6;max-width:360px;margin-top:16px}footer h3{font-size:.9rem;margin-bottom:12px}footer a:not(.brand){display:block;color:#a9bac7;margin:7px 0;font-size:.9rem}footer small{grid-column:1/-1;border-top:1px solid #183044;padding-top:20px;color:#7890a3}
.utility-bar{height:32px;background:var(--ink);color:#9fb2c1;display:flex;align-items:center;justify-content:space-between;padding:0 max(28px,calc((100vw - 1144px)/2));font-size:.68rem;font-weight:700;letter-spacing:.09em}.site-header{height:92px}.site-header .brand{font-size:1.45rem}.site-header .brand-mark{width:42px;height:42px}.site-header nav a{font-size:.9rem}.topic-bar{background:#fff;border-block:1px solid var(--line)}.topic-bar>div{max-width:1144px;margin:auto;padding:11px 28px;display:flex;gap:28px;overflow:auto;white-space:nowrap}.topic-bar a{font-weight:700;font-size:.8rem;color:#425d72}.issue-head{max-width:1144px;margin:0 auto;padding:46px 0 28px;border-bottom:4px solid var(--ink);display:grid;grid-template-columns:1.35fr .65fr;gap:60px;align-items:end}.issue-head span{font-weight:800;font-size:.72rem;letter-spacing:.12em;color:#078f84}.issue-head h1{font-size:clamp(2rem,4.2vw,4.1rem);letter-spacing:-.055em;max-width:850px;margin-top:8px}.issue-head p{font-size:1.05rem;color:var(--muted);margin:0}.lead-grid{max-width:1144px;margin:auto;padding:28px 0 56px;display:grid;grid-template-columns:1.45fr .55fr;gap:28px;border-bottom:1px solid var(--line)}.lead-story{border-right:1px solid var(--line);padding-right:28px}.lead-story img,.side-stories img{display:block;width:100%;object-fit:cover;background:#dde7ee}.lead-story img{aspect-ratio:16/9}.lead-story .eyebrow,.side-stories .eyebrow{margin-top:16px}.lead-story h2{font-size:clamp(1.8rem,3.4vw,3rem);letter-spacing:-.04em;margin:8px 0 12px}.lead-story p{font-size:1.05rem;color:var(--muted)}.side-stories{display:grid;gap:24px}.side-stories article+article{border-top:1px solid var(--line);padding-top:24px}.side-stories img{aspect-ratio:16/8.5}.side-stories h3{font-size:1.12rem;margin:6px 0 10px}.editorial-body{max-width:1144px;margin:auto;padding:64px 0;display:grid;grid-template-columns:1fr 330px;gap:54px}.editorial-title{display:flex;align-items:end;justify-content:space-between;border-bottom:3px solid var(--ink);padding-bottom:12px;margin-bottom:24px}.editorial-title h2{font-size:1.65rem}.editorial-title a{font-size:.82rem;font-weight:800;color:#078f84}.latest-list{display:grid;gap:0}.latest-list .article-card{border:0;border-bottom:1px solid var(--line);border-radius:0;padding:22px 0;box-shadow:none;grid-template-columns:160px 1fr}.latest-list .article-card:hover{transform:none}.latest-list .card-icon{width:72px;height:72px}.latest-list .card-media img{width:160px;height:112px;object-fit:cover}.latest-list .article-card p{margin-bottom:6px}.home-sidebar{border-left:1px solid var(--line);padding-left:28px}.sidebar-block{background:#fff;border-top:5px solid var(--cyan);padding:24px;box-shadow:var(--shadow)}.sidebar-block h2{font-size:1.6rem;margin:7px 0 18px}.sidebar-block>a{display:block;padding:14px 0;border-top:1px solid var(--line)}.sidebar-block>a span{display:block;font-size:.8rem;color:var(--muted)}.sidebar-note{margin-top:22px;background:var(--ink);color:#fff;padding:24px}.sidebar-note p{color:#b7c6d2;font-size:.9rem;margin-top:8px}.sidebar-note a{color:var(--lime);font-weight:700;font-size:.85rem}.category-section{max-width:1144px;margin:0 auto;padding:20px 0 70px}.category-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.category-grid .article-card{display:block;padding:0;overflow:hidden}.category-grid .article-card>div:last-child{padding:20px}.category-grid .card-media img{width:100%;height:190px;object-fit:cover}.category-grid .card-icon{margin:20px}.editorial-tools{margin-bottom:80px}.card-media{display:block}.article-image{max-width:1050px;margin:42px 0 0}.article-image img{display:block;width:100%;aspect-ratio:16/8;object-fit:cover}.article-image figcaption{font-size:.75rem;color:var(--muted);padding-top:6px}
@media(max-width:1180px){.issue-head,.lead-grid,.editorial-body,.category-section{margin-inline:28px}}@media(max-width:850px){.utility-bar span:last-child{display:none}.site-header{height:72px}.topic-bar>div{padding-inline:18px}.menu-btn{display:block}nav{display:none;position:absolute;top:104px;left:15px;right:15px;z-index:5;background:#fff;box-shadow:var(--shadow);border-radius:14px;padding:18px;flex-direction:column;align-items:stretch}nav.open{display:flex}.issue-head{grid-template-columns:1fr;gap:14px}.lead-grid{grid-template-columns:1fr}.lead-story{border-right:0;padding-right:0}.side-stories{grid-template-columns:1fr 1fr}.editorial-body{grid-template-columns:1fr}.home-sidebar{border-left:0;padding-left:0}.category-grid{grid-template-columns:1fr 1fr}.hero{grid-template-columns:1fr;padding-top:50px;gap:42px}.hero h1{font-size:3.1rem}.trust-row{flex-wrap:wrap}.proof-strip{grid-template-columns:repeat(2,1fr)}.articles-grid,.tools-band,.principles,.calculator{grid-template-columns:1fr}.principle-grid{grid-template-columns:1fr}.article-layout{grid-template-columns:1fr}.toc{display:none}.tools-band{margin-inline:15px;padding:34px}.calc-fields{grid-template-columns:1fr}.result{grid-column:auto}footer{grid-template-columns:1fr 1fr}footer>div:first-child{grid-column:1/-1}}@media(max-width:520px){.utility-bar{justify-content:center}.issue-head{margin-inline:18px;padding-top:30px}.issue-head h1{font-size:2.35rem}.lead-grid,.editorial-body,.category-section{margin-inline:18px}.side-stories,.category-grid{grid-template-columns:1fr}.latest-list .article-card{grid-template-columns:1fr}.latest-list .card-media img{width:100%;height:auto}.editorial-tools{margin-inline:18px}.hero h1{font-size:2.65rem}.hero-actions{flex-direction:column}.trust-row{gap:18px}.proof-strip{grid-template-columns:1fr}.proof-strip div{border-right:0;border-bottom:1px solid var(--line)}.articles-grid{grid-template-columns:1fr}.article-card{grid-template-columns:1fr}.section{padding-block:60px}.section-head{align-items:start;gap:14px;flex-direction:column}.article-header h1{font-size:2.35rem}.author-box{flex-direction:column}footer{grid-template-columns:1fr}footer>div:first-child{grid-column:auto}}
.lead-grid{align-items:start}.lead-story img{height:auto}.side-stories{align-self:start}.side-stories img{height:165px;aspect-ratio:auto}.article-image img{height:auto}.focus-section{max-width:1144px;margin:0 auto 70px;background:var(--ink);color:#fff;padding:52px;display:grid;grid-template-columns:.78fr 1.22fr;gap:54px}.focus-intro h2{font-size:clamp(2rem,3.4vw,3.2rem);letter-spacing:-.045em;margin:12px 0 18px}.focus-intro p{color:#b7c6d2}.focus-steps{display:grid;grid-template-columns:1fr 1fr;gap:12px}.focus-steps a{display:grid;gap:5px;padding:20px;border:1px solid rgba(255,255,255,.15);background:rgba(255,255,255,.04)}.focus-steps b{color:var(--lime);font-size:.8rem}.focus-steps span{font:700 1.05rem 'Manrope'}.focus-steps small{color:#9fb2c1}.control-section{padding-top:0}.control-grid{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--line);border-left:1px solid var(--line)}.control-grid a{padding:28px;background:#fff;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}.control-grid span{font-size:.7rem;letter-spacing:.1em;font-weight:800;color:#078f84}.control-grid h3{font-size:1.35rem;margin:9px 0}.control-grid p{color:var(--muted);margin:0}.resource-grid{max-width:1144px;margin:0 auto 70px;display:grid;grid-template-columns:1.35fr .65fr;gap:48px}.resource-main{border-top:4px solid var(--ink);padding-top:24px}.resource-main h2{font-size:2rem;margin:7px 0 20px}.resource-main dl{margin:0}.resource-main dl div{display:grid;grid-template-columns:120px 1fr;gap:20px;padding:16px 0;border-top:1px solid var(--line)}.resource-main dt{font:800 1rem 'Manrope'}.resource-main dd{margin:0;color:var(--muted)}.resource-grid aside{background:#e9fbf8;padding:28px}.resource-grid aside ol{padding-left:22px;margin:15px 0 0}.resource-grid aside li{padding:12px 0;border-top:1px solid #bfe7e1;font-weight:700}.resource-grid aside li::marker{color:#078f84;font-weight:800}
@media(max-width:1180px){.focus-section,.resource-grid{margin-inline:28px}}@media(max-width:850px){.focus-section,.resource-grid{grid-template-columns:1fr}.focus-section{padding:36px}.control-grid{grid-template-columns:1fr}.side-stories img{height:190px}}@media(max-width:520px){.focus-section,.resource-grid{margin-inline:18px}.focus-section{padding:28px 22px}.focus-steps{grid-template-columns:1fr}.resource-main dl div{grid-template-columns:1fr;gap:3px}.side-stories img{height:auto;aspect-ratio:16/9}}