:root {
  --white: #ffffff;
  --navy: #12355b;
  --teal: #2c7a6b;
  --soft: #f5f7f8;
  --info: #eaf2f8;
  --line: #d7dee3;
  --amber: #c98a2e;
  --red: #b54747;
  --text: #263746;
  --muted: #62717c;
  --radius: 6px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--text); background: var(--white); font-family: "Source Sans 3", Arial, sans-serif; font-size: 17px; line-height: 1.55; letter-spacing: 0; }
body.menu-open { overflow: hidden; }
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
button, a { -webkit-tap-highlight-color: transparent; }
button { font: inherit; }
h1, h2, h3, p, li, a { overflow-wrap: anywhere; }
h1, h2, h3 { margin-top: 0; color: var(--navy); line-height: 1.15; letter-spacing: 0; }
h1 { font-size: 46px; font-weight: 600; }
h2 { font-size: 32px; font-weight: 600; }
h3 { font-size: 21px; font-weight: 600; }
p { margin-top: 0; }
:focus-visible { outline: 3px solid var(--amber); outline-offset: 3px; }
.shell { width: min(calc(100% - 48px), 1180px); margin-inline: auto; }
.skip-link { position: fixed; top: -80px; left: 16px; z-index: 100; padding: 10px 14px; color: var(--white); background: var(--navy); }
.skip-link:focus { top: 12px; }

.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, 0.97); border-bottom: 1px solid var(--line); }
.nav { min-height: 72px; display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 32px; }
.brand { display: inline-flex; align-items: center; gap: 10px; color: var(--navy); font-weight: 700; white-space: nowrap; }
.brand img { width: 38px; height: 38px; }
.nav-links { display: flex; align-items: center; justify-content: flex-end; gap: 23px; color: var(--muted); font-size: 14px; font-weight: 600; }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--navy); }
.nav-actions { display: flex; align-items: center; gap: 18px; }
.login-link { color: var(--navy); font-size: 14px; font-weight: 600; }
.menu-toggle { width: 42px; height: 42px; display: none; align-items: center; justify-content: center; padding: 0; color: var(--navy); background: transparent; border: 1px solid var(--line); border-radius: var(--radius); }
.menu-toggle svg { width: 22px; height: 22px; }
.mobile-account-link { display: none !important; }
.button { min-height: 44px; display: inline-flex; align-items: center; justify-content: center; padding: 10px 18px; border: 1px solid transparent; border-radius: var(--radius); font-weight: 600; }
.button-primary { color: var(--white); background: var(--teal); border-color: var(--teal); }
.button-primary:hover { background: #246659; border-color: #246659; }
.button-small { min-height: 38px; padding: 7px 14px; font-size: 14px; }

.insights-masthead { padding: 70px 0 48px; border-bottom: 1px solid var(--line); }
.insights-masthead .section-label { margin-bottom: 14px; color: var(--teal); font-size: 15px; font-weight: 700; }
.insights-masthead h1 { max-width: 760px; margin-bottom: 18px; }
.insights-masthead > .shell > p:last-child { max-width: 690px; margin-bottom: 0; color: var(--muted); font-size: 19px; }

.featured { padding: 56px 0 64px; background: var(--soft); border-bottom: 1px solid var(--line); }
.featured-layout { display: grid; grid-template-columns: minmax(0, 7fr) minmax(330px, 5fr); align-items: center; gap: 52px; }
.featured-media { margin: 0; }
.featured-media img { width: 100%; aspect-ratio: 3 / 2; object-fit: cover; border: 1px solid var(--line); border-radius: var(--radius); }
.article-meta { display: flex; flex-wrap: wrap; gap: 8px 18px; margin-bottom: 14px; color: var(--muted); font-size: 13px; }
.article-meta span:first-child { color: var(--teal); font-weight: 700; }
.featured-copy h2 { margin-bottom: 15px; font-size: 34px; }
.featured-copy > p { color: var(--muted); }
.text-link { display: inline-flex; align-items: center; gap: 9px; margin-top: 8px; color: var(--navy); border-bottom: 1px solid var(--teal); font-weight: 700; }
.text-link::after { content: "\2192"; color: var(--teal); }

.browse { padding: 68px 0 88px; }
.browse-heading { display: grid; grid-template-columns: minmax(0, 4fr) minmax(0, 7fr); gap: 80px; margin-bottom: 36px; }
.browse-heading h2 { margin-bottom: 0; }
.browse-heading p { max-width: 620px; margin-bottom: 0; color: var(--muted); }
.article-list { border-top: 2px solid var(--navy); }
.article-row { display: grid; grid-template-columns: 170px minmax(0, 1fr) 180px; gap: 28px; padding: 28px 0; border-bottom: 1px solid var(--line); }
.article-row .article-meta { display: block; margin: 2px 0 0; }
.article-row .article-meta span { display: block; margin-bottom: 4px; }
.article-row h3 { margin-bottom: 8px; font-size: 24px; }
.article-row p { max-width: 690px; margin-bottom: 0; color: var(--muted); }
.article-row .text-link { align-self: start; justify-self: end; margin-top: 3px; }

.insights-cta { color: var(--white); background: var(--navy); }
.cta-layout { min-height: 260px; display: grid; grid-template-columns: minmax(0, 7fr) auto; align-items: center; gap: 60px; padding-block: 56px; }
.insights-cta h2 { max-width: 670px; margin-bottom: 12px; color: var(--white); }
.insights-cta p { max-width: 650px; margin-bottom: 0; color: #c9d5de; }

.article-hero { padding: 66px 0 45px; border-bottom: 1px solid var(--line); }
.article-hero-inner { max-width: 850px; }
.back-link { display: inline-block; margin-bottom: 28px; color: var(--teal); font-size: 14px; font-weight: 700; }
.back-link::before { content: "\2190"; margin-right: 8px; }
.article-hero h1 { max-width: 830px; margin-bottom: 20px; }
.article-deck { max-width: 760px; margin-bottom: 24px; color: var(--muted); font-size: 20px; }
.article-byline { display: flex; flex-wrap: wrap; gap: 8px 18px; color: var(--muted); font-size: 14px; }
.article-byline strong { color: var(--navy); }
.article-layout { display: grid; grid-template-columns: minmax(0, 760px) 260px; justify-content: space-between; gap: 72px; padding-top: 52px; padding-bottom: 80px; }
.article-body { font-family: "Source Serif 4", Georgia, serif; font-size: 19px; line-height: 1.72; }
.article-body h2, .article-body h3 { font-family: "Source Sans 3", Arial, sans-serif; }
.article-body h2 { margin: 48px 0 17px; font-size: 29px; }
.article-body h2:first-child { margin-top: 0; }
.article-body h3 { margin: 32px 0 11px; font-size: 21px; }
.article-body p, .article-body ul, .article-body ol { margin-bottom: 22px; }
.article-body ul, .article-body ol { padding-left: 25px; }
.article-body li + li { margin-top: 9px; }
.article-body strong { color: var(--navy); }
.article-note { margin: 32px 0; padding: 21px 24px; background: var(--info); border-left: 4px solid var(--teal); font-family: "Source Sans 3", Arial, sans-serif; font-size: 16px; }
.article-disclaimer { margin-top: 50px; padding-top: 20px; color: var(--muted); border-top: 1px solid var(--line); font-family: "Source Sans 3", Arial, sans-serif; font-size: 13px; }
.article-aside { align-self: start; position: sticky; top: 104px; padding-top: 2px; }
.article-aside h2 { margin-bottom: 12px; font-size: 18px; }
.article-aside nav { border-top: 2px solid var(--navy); }
.article-aside a { display: block; padding: 13px 0; color: var(--muted); border-bottom: 1px solid var(--line); font-size: 14px; font-weight: 600; }
.article-aside a:hover { color: var(--teal); }
.article-aside .aside-cta { margin-top: 27px; padding: 19px; background: var(--soft); border: 1px solid var(--line); border-radius: var(--radius); }
.article-aside .aside-cta p { margin-bottom: 14px; color: var(--muted); font-size: 14px; }

.related { padding: 62px 0 72px; background: var(--soft); border-top: 1px solid var(--line); }
.related h2 { margin-bottom: 28px; }
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 2px solid var(--navy); }
.related-grid article { padding: 23px 24px 6px 0; border-bottom: 1px solid var(--line); }
.related-grid article + article { padding-left: 24px; border-left: 1px solid var(--line); }
.related-grid h3 { font-size: 19px; }
.related-grid p { color: var(--muted); font-size: 14px; }

.site-footer { padding: 48px 0 24px; color: #b8c4ce; background: #0e2945; }
.site-footer .brand { color: var(--white); }
.footer-layout { display: grid; grid-template-columns: 1fr 2fr 1fr; align-items: start; gap: 40px; }
.footer-layout nav { display: flex; flex-wrap: wrap; justify-content: center; gap: 13px 22px; font-size: 13px; }
.footer-layout nav a:hover, .footer-account a:hover { color: var(--white); }
.footer-account { display: flex; justify-content: flex-end; gap: 20px; font-size: 13px; }
.footer-bottom { display: flex; justify-content: space-between; gap: 24px; margin-top: 40px; padding-top: 17px; border-top: 1px solid #49647e; color: #91a4b4; font-size: 11px; }

@media (max-width: 1040px) {
  .nav { min-height: 64px; grid-template-columns: 1fr auto; gap: 14px; }
  .menu-toggle { display: flex; }
  .nav-actions { display: none; }
  .nav-links { position: absolute; top: 64px; right: 0; left: 0; max-height: calc(100vh - 64px); max-height: calc(100dvh - 64px); display: none; flex-direction: column; align-items: stretch; gap: 0; padding: 10px 24px 20px; overflow-y: auto; color: var(--white); background: var(--navy); border-top: 1px solid #49647e; }
  .nav-links.open { display: flex; }
  .nav-links a { min-height: 48px; display: flex; align-items: center; border-bottom: 1px solid #49647e; }
  .mobile-account-link { display: flex !important; }
  .mobile-create-link { color: #b9dfd6; }
  .featured-layout { grid-template-columns: 1fr; }
  .featured-copy { max-width: 760px; }
  .article-layout { grid-template-columns: minmax(0, 1fr) 220px; gap: 44px; }
}

@media (max-width: 700px) {
  .shell { width: min(calc(100% - 32px), 1180px); }
  h1 { font-size: 35px; }
  h2 { font-size: 28px; }
  .insights-masthead { padding: 46px 0 38px; }
  .insights-masthead > .shell > p:last-child { font-size: 17px; }
  .featured { padding: 36px 0 45px; }
  .featured-layout { gap: 30px; }
  .featured-copy h2 { font-size: 29px; }
  .browse { padding: 50px 0 60px; }
  .browse-heading { grid-template-columns: 1fr; gap: 12px; }
  .article-row { grid-template-columns: 1fr; gap: 9px; padding: 24px 0 27px; }
  .article-row .article-meta { display: flex; margin: 0; }
  .article-row .text-link { justify-self: start; margin-top: 5px; }
  .cta-layout { min-height: 0; grid-template-columns: 1fr; gap: 24px; padding-block: 44px; }
  .article-hero { padding: 42px 0 34px; }
  .article-hero h1 { font-size: 34px; }
  .article-deck { font-size: 18px; }
  .article-layout { grid-template-columns: 1fr; gap: 50px; padding-top: 38px; padding-bottom: 58px; }
  .article-body { font-size: 18px; }
  .article-body h2 { font-size: 26px; }
  .article-aside { position: static; }
  .related-grid { grid-template-columns: 1fr; }
  .related-grid article, .related-grid article + article { padding: 20px 0; border-left: 0; }
  .footer-layout { grid-template-columns: 1fr; }
  .footer-layout nav { justify-content: flex-start; }
  .footer-account { justify-content: flex-start; }
  .footer-bottom { align-items: flex-start; flex-direction: column; gap: 5px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: 0.01ms !important; }
}