.ms-hd{background:#fff;border-bottom:1px solid #dfe6ee;position:sticky;top:0;z-index:30;line-height:1.4;font-family:"Nunito Sans",-apple-system,BlinkMacSystemFont,"Helvetica Neue",Arial,sans-serif}
.ms-hd .ms-bar{height:4px;background:linear-gradient(90deg,#22407A,#5B7FC7 60%,#B9C6E6)}
.ms-hd .ms-in{max-width:1240px;margin:0 auto;padding:0 24px;display:flex;align-items:center;gap:22px;min-height:68px}
.ms-hd .ms-logo{display:block;flex:0 1 auto;min-width:0}
.ms-hd .ms-logo img{height:44px;width:auto;max-width:100%;display:block}
.ms-hd .ms-tabs{display:flex;gap:2px;align-self:stretch;margin-left:8px}
.ms-hd .ms-tabs a{display:flex;align-items:center;padding:0 14px;font-size:15px;font-weight:700;color:#22407A;text-decoration:none;border-bottom:3px solid transparent;border-top:3px solid transparent;white-space:nowrap}
.ms-hd .ms-tabs a:hover,.ms-hd .ms-tabs a:focus-visible{color:#0072CE;outline:none}
.ms-hd .ms-tabs a[aria-current=page]{border-bottom-color:#0072CE;color:#012F53}
.ms-hd .ms-visit{margin-left:auto;display:inline-flex;align-items:center;gap:6px;background:#22407A;color:#fff;text-decoration:none;font-size:14px;font-weight:700;padding:10px 16px;border-radius:9px;white-space:nowrap;transition:background .15s}
.ms-hd .ms-visit:hover,.ms-hd .ms-visit:focus-visible{background:#0072CE;color:#fff;outline:none}
.ms-hd .ms-s{display:none}
@media (max-width:1020px){.ms-hd .ms-tabs .ms-f{display:none}.ms-hd .ms-tabs .ms-s{display:inline}}
@media (max-width:720px){
.ms-hd .ms-in{flex-wrap:wrap;padding:8px 16px 0;gap:8px 12px;min-height:0}
.ms-hd .ms-in{flex-wrap:wrap}.ms-hd .ms-logo{flex:1 1 0}
.ms-hd .ms-logo img{height:auto;max-height:32px;width:auto;max-width:100%}
.ms-hd .ms-visit{padding:7px 12px;font-size:13px}.ms-hd .ms-visit .ms-f{display:none}.ms-hd .ms-visit .ms-s{display:inline}
.ms-hd .ms-tabs{order:3;width:100%;margin:0 -16px;padding:0 8px;width:calc(100% + 32px);border-top:1px solid #eef2f6;align-self:auto}
.ms-hd .ms-tabs a{flex:1;justify-content:center;padding:11px 6px 9px;font-size:14.5px}
}
@media print{.ms-hd{display:none}}
:root{--navy:#012F53;--navy2:#1D4769;--blue:#0072CE;--ink:#1c2733;--grey:#5f6b76;--line:#dfe6ee;--bg:#f4f7fb;--card:#fff;--pale:#E8F1F9}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-padding-top:84px}
body{margin:0;font-family:"Nunito Sans",-apple-system,BlinkMacSystemFont,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);font-size:16px;line-height:1.55}
a{color:var(--blue)}img{max-width:100%;display:block}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}
main{max-width:1240px;margin:0 auto;padding:26px 24px 40px}
.kicker{font-size:12.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--grey)}
h1{font-size:34px;line-height:1.15;color:var(--navy);margin:6px 0 10px;letter-spacing:-.015em}
.lede{font-size:18px;color:#3d4a57;max-width:760px;margin:0 0 18px}
/* hub */
.tools{display:flex;gap:10px;flex-wrap:wrap;align-items:center;margin:8px 0 12px}
.search{flex:1 1 280px;font:inherit;font-size:16px;padding:11px 14px;border:1px solid #B9C6E6;border-radius:10px;background:#fff;min-width:0}
.seg{display:inline-flex;background:#fff;border:1px solid var(--line);border-radius:10px;padding:3px}
.seg button{font:inherit;font-size:14px;font-weight:600;border:0;background:none;color:var(--navy2);padding:7px 12px;border-radius:7px;cursor:pointer}
.seg button[aria-pressed=true]{background:var(--navy);color:#fff}
.chips{display:flex;gap:8px;flex-wrap:wrap;margin:0 0 20px}
.chip{--c:var(--navy2);font:inherit;font-size:14px;font-weight:600;color:var(--c);background:#fff;border:1.5px solid color-mix(in srgb,var(--c) 35%,#fff);border-radius:999px;padding:6px 13px;cursor:pointer;text-decoration:none;white-space:nowrap}
.chip[aria-pressed=true],.chip.on{background:var(--c);border-color:var(--c);color:#fff}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(290px,1fr));gap:20px}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;overflow:hidden;display:flex;flex-direction:column;text-decoration:none;color:inherit;transition:box-shadow .15s,transform .15s}
.card:hover{box-shadow:0 8px 24px rgba(1,47,83,.12);transform:translateY(-2px)}
.card .ph{aspect-ratio:16/9;background:var(--pale) center/cover no-repeat;position:relative}
.card .ph .badge{position:absolute;left:10px;bottom:10px;background:rgba(1,47,83,.88);color:#fff;font-size:12.5px;font-weight:700;border-radius:6px;padding:3px 8px;display:flex;gap:6px;align-items:center}
.card .bd{padding:14px 16px 16px;display:flex;flex-direction:column;gap:6px;flex:1}
.card .tp{font-size:12.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase}
.card h3{font-size:18px;line-height:1.28;margin:0;color:var(--navy)}
.card .meta{margin-top:auto;font-size:13.5px;color:var(--grey)}
.card.feat{grid-column:1/-1;flex-direction:row}
.card.feat .ph{flex:1.25;aspect-ratio:auto;min-height:300px}
.card.feat .bd{flex:1;padding:24px 26px;justify-content:center;gap:10px}
.card.feat h3{font-size:26px}.card.feat p{margin:0;color:#3d4a57;font-size:16px}
.empty{color:var(--grey);padding:30px 0;display:none}
.card[hidden]{display:none!important}
.ph.fb{background:linear-gradient(135deg,var(--c,#012F53),#012F53)}
.ph.fb span{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;padding:18px;text-align:center;color:#fff;font-weight:700;font-size:18px;line-height:1.25;opacity:.95}
/* article */
.wrap{display:grid;grid-template-columns:minmax(0,740px) 280px;gap:48px;justify-content:center}
.crumbs{font-size:14px;color:var(--grey);margin-bottom:6px}.crumbs a{color:var(--navy2);text-decoration:none;font-weight:600}
article h1{font-size:38px}
.byline{display:flex;gap:12px;align-items:center;margin:14px 0 20px;font-size:14.5px;color:var(--grey)}
.byline .av{width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center;flex:none;font-size:15px}
.byline b{color:var(--ink);display:block;font-size:15px}
.hero{border-radius:12px;overflow:hidden;margin:0 0 26px;aspect-ratio:16/9;background:var(--pale) center/cover}
.hero img{width:100%;height:100%;object-fit:cover}
.prose{font-size:18px;line-height:1.7;color:#22303c}
.prose p{margin:0 0 1.05em}
.prose h2{font-size:26px;line-height:1.25;color:var(--navy);margin:1.7em 0 .55em;letter-spacing:-.01em}
.prose h3{font-size:20px;color:var(--navy2);margin:1.4em 0 .4em}
.prose ul,.prose ol{padding-left:1.3em;margin:0 0 1.1em}.prose li{margin:.3em 0}
.prose blockquote{margin:1.2em 0;padding:.2em 0 .2em 1.1em;border-left:4px solid var(--blue);color:#3d4a57;font-style:italic}
.prose a{text-decoration-thickness:1px;text-underline-offset:2px}
sup.cite{font-size:.68em;line-height:0;margin-left:1px}sup.cite a{text-decoration:none;font-weight:700}
.box-h{font-size:14px!important;letter-spacing:.1em;text-transform:uppercase;margin:0 0 10px!important;color:var(--navy)!important}
.takeaways{background:#fff;border:1px solid var(--line);border-left:5px solid var(--blue);border-radius:10px;padding:18px 22px 10px;margin:4px 0 30px}
.takeaways ul{margin:0;padding-left:1.15em}.takeaways li{margin:0 0 .55em;font-size:17px;line-height:1.55}
.stats{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:1.4em 0 1.6em}
.stats.n3{grid-template-columns:repeat(3,1fr)}
.stat{background:var(--navy);color:#fff;border-radius:10px;padding:16px 16px 14px}
.stat b{display:block;font-size:30px;line-height:1.1;letter-spacing:-.01em}
.stat span{display:block;font-size:14.5px;line-height:1.4;color:#d4e2f2;margin-top:6px}
.stat:nth-child(even){background:var(--navy2)}
.tbl{overflow-x:auto;margin:1.2em 0 .6em;border:1px solid var(--line);border-radius:10px;background:#fff}
.tbl table{border-collapse:collapse;width:100%;font-size:15.5px;line-height:1.45;min-width:520px}
.tbl th{background:var(--navy);color:#fff;text-align:left;padding:10px 12px;font-weight:700}
.tbl td{padding:10px 12px;border-top:1px solid var(--line);vertical-align:top}
.tbl tr:nth-child(even) td{background:#f7fafd}
.tbl td:first-child{font-weight:600;color:var(--navy2)}
.note{font-size:14px!important;color:var(--grey);margin-top:-.2em!important}
.callout{background:var(--pale);border-radius:10px;padding:16px 20px;margin:1.3em 0}.callout h3{margin-top:0}
.faq{margin-top:2em}.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;margin:0 0 10px}
.faq summary{cursor:pointer;list-style:none;padding:15px 46px 15px 18px;font-weight:700;color:var(--navy);font-size:17px;line-height:1.4;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:18px;top:12px;font-size:24px;color:var(--blue);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq .ans{padding:0 18px 6px;font-size:17px}
.learn{background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px 22px 8px;margin:2em 0}
.learn ul{padding-left:1.1em;margin:0}.learn li{margin:0 0 .5em;font-size:16.5px}
.refs{margin-top:2.2em;border-top:1px solid var(--line);padding-top:.6em}
.refs h2{font-size:20px!important}.refs ol{font-size:14.5px;line-height:1.55;color:#3d4a57;padding-left:1.4em}
.refs li{margin:0 0 .6em;scroll-margin-top:90px}.refs li:target{background:#fff7d6}
.refs a{word-break:break-word}
.video{margin:1.4em 0}
.yt{display:block;width:100%;aspect-ratio:16/9;border:0;border-radius:12px;background:#000 center/cover no-repeat;cursor:pointer;position:relative;padding:0}
.yt .play{position:absolute;left:50%;top:50%;width:72px;height:50px;margin:-25px 0 0 -36px;background:#e00;border-radius:12px;box-shadow:0 4px 18px rgba(0,0,0,.35)}
.yt .play::after{content:"";position:absolute;left:29px;top:15px;border-style:solid;border-width:10px 0 10px 17px;border-color:transparent transparent transparent #fff}
.yt:hover .play{background:#c00}
.video iframe{width:100%;aspect-ratio:16/9;border:0;border-radius:12px;display:block}
.video figcaption{font-size:14px;color:var(--grey);margin-top:8px}
.cta{background:var(--navy);color:#fff;border-radius:14px;padding:24px 26px;margin:2.4em 0 1.6em;display:grid;gap:16px}
.cta h2{color:#fff!important;margin:0!important;font-size:23px!important}
.cta p{margin:0;color:#d4e2f2;font-size:16.5px}
.cta .btns{display:flex;gap:10px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:15.5px;text-decoration:none;border-radius:9px;padding:11px 18px;white-space:nowrap}
.btn.pri{background:#fff;color:var(--navy)}.btn.pri:hover{background:var(--pale)}
.btn.sec{border:1.5px solid rgba(255,255,255,.55);color:#fff}.btn.sec:hover{background:rgba(255,255,255,.12)}
.btn.out{border:1.5px solid var(--navy);color:var(--navy);background:#fff}.btn.out:hover{background:var(--pale)}
.author{display:flex;gap:14px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 20px;margin:1.6em 0;font-size:15px;color:#3d4a57}
.author .av{width:52px;height:52px;font-size:17px}
.author b{color:var(--navy);font-size:16px}
.disclaim{font-size:13.5px;color:var(--grey);margin:1.4em 0 0}
.side{position:sticky;top:90px;align-self:start;display:flex;flex-direction:column;gap:16px;font-size:14.5px}
.side .box{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px}
.side h4{margin:0 0 8px;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--grey)}
.side ol{margin:0;padding-left:1.1em}.side li{margin:0 0 6px}.side li a{color:var(--navy2);text-decoration:none}.side li a:hover{text-decoration:underline}
.side .box p{margin:0 0 12px;color:#3d4a57}
.side .btn{width:100%;justify-content:center}.side .btn+.btn{margin-top:8px}
.side .btn.pri{background:var(--navy);color:#fff}.side .btn.pri:hover{background:var(--blue)}
.related{margin-top:44px}.related h2{font-size:22px;color:var(--navy);margin:0 0 14px}
.topics-row{display:flex;gap:8px;flex-wrap:wrap;margin:6px 0 0}
.topic-head{border-left:5px solid var(--c);padding-left:16px;margin-bottom:18px}
footer.site{border-top:1px solid var(--line);background:#fff}
footer.site .in{max-width:1240px;margin:0 auto;padding:22px 24px 30px;color:var(--grey);font-size:13.5px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
footer.site a{color:var(--navy2);font-weight:600;text-decoration:none}footer.site a:hover{text-decoration:underline}
@media (max-width:1100px){.wrap{grid-template-columns:minmax(0,740px)}.side{display:none}}
@media (max-width:760px){.card.feat{flex-direction:column}.card.feat .ph{min-height:0;aspect-ratio:16/9}.card.feat .bd{padding:16px}.card.feat h3{font-size:21px}}
@media (max-width:640px){main{padding:16px 16px 30px}h1,article h1{font-size:28px}.lede{font-size:16.5px}
.prose{font-size:17px}.prose h2{font-size:22px}.stats,.stats.n3{grid-template-columns:1fr 1fr}.stat b{font-size:24px}.stat{padding:13px}
.cta{padding:20px}.cta .btn{white-space:normal;text-align:center}.grid{grid-template-columns:1fr}.byline{margin:10px 0 16px}}
@media (max-width:380px){.stats,.stats.n3{grid-template-columns:1fr}}