.blog-page{--blog-navy:#102b50;--blog-blue:#234c9c;--blog-muted:#5d6978;--blog-line:#dce4ec;--blog-paper:#f8fafc;background:#fff;color:var(--blog-navy);font-family:open sans,sans-serif;font-size:1.7rem;line-height:1.7;height:auto;max-height:none}.blog-page *,.blog-page *::before,.blog-page *::after{box-sizing:border-box}.blog-page h1,.blog-page h2,.blog-page h3{text-indent:0}.blog-page a:focus-visible,.blog-page button:focus-visible,.blog-page input:focus-visible,.blog-page summary:focus-visible{outline:3px solid #3678ce;outline-offset:5px}.blog-skip-link{position:fixed;top:-100px;left:20px;z-index:1000;background:#fff;padding:12px 20px}.blog-skip-link:focus{top:12px}.blog-shell{width:min(1120px,calc(100% - 64px));margin:0 auto}.blog-eyebrow{font-size:1.15rem;font-weight:700;letter-spacing:.16em;line-height:1.6;text-transform:uppercase;color:var(--blog-blue);margin:0 0 18px}.blog-deck{color:var(--blog-muted);font-size:1.85rem;line-height:1.7}.blog-button{display:inline-flex;align-items:center;justify-content:center;gap:22px;padding:13px 22px;border:1px solid var(--blog-blue);border-radius:5px;background:var(--blog-blue);color:#fff;font-size:1.35rem;font-weight:700;text-decoration:none}.blog-button:hover{background:var(--blog-navy);color:#fff;border-color:var(--blog-navy)}.blog-text-link{font-size:1.35rem;font-weight:700;color:var(--blog-blue);text-underline-offset:5px}.blog-text-link:hover{color:var(--blog-navy)}.blog-meta{display:flex;align-items:center;flex-wrap:wrap;gap:9px;color:var(--blog-muted);font-size:1.15rem;line-height:1.6}.blog-index-header{padding:64px 0 48px}.blog-index-header h1{max-width:760px;font-family:Georgia,times new roman,serif;font-size:clamp(3.8rem,5vw,6.4rem);line-height:1.12;font-weight:400;letter-spacing:-.035em;margin:0 0 24px}.blog-index-header .blog-deck{max-width:660px;margin:0}.blog-section-label{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:18px 0;border-top:1px solid var(--blog-line)}.blog-section-label h2{font-size:1.2rem;text-transform:uppercase;letter-spacing:.12em;margin:0}.blog-section-label>span{font-size:1.15rem;color:var(--blog-muted)}.blog-feature{display:grid;grid-template-columns:1.1fr 1fr;border:1px solid var(--blog-line);border-radius:10px;overflow:hidden;margin-bottom:28px}.blog-feature__image{position:relative;display:block;min-height:450px;overflow:hidden;background:#eaf0f6}.blog-feature__image img{width:100%;height:100%;object-fit:cover;object-position:60% center;display:block;transition:transform .35s ease}.blog-feature__image:hover img{transform:scale(1.025)}.blog-image-label{position:absolute;left:22px;bottom:22px;background:#fff;color:var(--blog-navy);border-radius:4px;padding:7px 12px;font-size:1.1rem;font-weight:700}.blog-feature__body{padding:34px;background:var(--blog-paper)}.blog-feature__body h2{font-size:2.8rem;line-height:1.3;letter-spacing:-.04em;margin:20px 0 16px}.blog-feature__body h2 a{text-decoration:none}.blog-feature__body h2 a:hover{color:var(--blog-blue)}.blog-feature__body>p{color:var(--blog-muted);font-size:1.45rem;line-height:1.75}.blog-card-highlights{list-style:none;padding:16px 0 0;border-top:1px solid var(--blog-line);margin:24px 0}.blog-card-highlights li{margin:8px 0;font-size:1.35rem;display:flex;gap:10px}.blog-card-highlights li::before{content:"✓";color:var(--blog-blue);font-weight:700}.blog-feature__links{display:flex;flex-wrap:wrap;align-items:center;gap:18px}.blog-editorial-note{display:flex;gap:24px;padding:22px 28px;margin:0 0 60px;background:#edf4fa;border-radius:6px}.blog-editorial-note__icon{color:var(--blog-blue);font-size:3rem;line-height:1}.blog-editorial-note h2{font-size:1.6rem;letter-spacing:0;margin:0 0 8px}.blog-editorial-note p{margin:0;color:var(--blog-muted);font-size:1.4rem}.blog-breadcrumb{display:flex;flex-wrap:wrap;gap:12px;color:var(--blog-muted);padding-top:28px;font-size:1.15rem}.blog-breadcrumb a{text-decoration:none}.blog-breadcrumb a:hover{color:var(--blog-blue)}.blog-article-header{max-width:860px;padding:40px 0 36px}.blog-article-header .blog-eyebrow span{margin:0 12px;color:#a0b1c2}.blog-article-header h1{font-size:clamp(3.4rem,4.3vw,5.1rem);letter-spacing:-.045em;line-height:1.16;margin:0 0 20px}.blog-article-header .blog-deck{max-width:750px;margin:0 0 22px}.blog-reading-actions{display:flex;align-items:center;flex-wrap:wrap;gap:20px;margin-top:22px}.blog-reading-actions .blog-button{padding:9px 18px}.blog-share{display:flex;align-items:center;flex-wrap:wrap;gap:10px;margin-top:24px;padding-top:20px;border-top:1px solid var(--blog-line)}.blog-share__label{font-size:1.2rem;color:var(--blog-muted);margin-right:4px}.blog-share__controls{display:inline-flex;align-items:center;gap:10px}.blog-share__button{position:relative;display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;flex-shrink:0;padding:10px;border:1px solid var(--blog-line);border-radius:5px;background:#fff;color:var(--blog-blue);text-decoration:none;cursor:pointer}.blog-share__button svg{display:block;width:16px;height:16px}.blog-share__tooltip{position:absolute;z-index:10;top:calc(100% + 6px);left:50%;transform:translateX(-50%);width:max-content;max-width:148px;padding:8px 10px;border-radius:5px;background:var(--blog-navy);color:#fff;font-family:open sans,sans-serif;font-size:1.2rem;font-weight:400;line-height:1.5;text-align:center;white-space:normal;visibility:hidden}.blog-share__tooltip::before{content:"";position:absolute;top:-6px;left:0;width:100%;height:6px}.blog-share__button:first-child .blog-share__tooltip{left:0;transform:none}.blog-share__button:last-child .blog-share__tooltip{left:auto;right:0;transform:none}.blog-share__button:is(:hover,:focus-visible):not(.is-tooltip-dismissed) .blog-share__tooltip{visibility:visible}.blog-share__button:hover{background:#edf4fa;border-color:var(--blog-blue);color:var(--blog-navy)}.blog-share__button:disabled{opacity:.6;cursor:wait}.blog-share [hidden]{display:none}.blog-share__status{flex-basis:100%;color:var(--blog-muted);font-size:1.2rem}.blog-share__status:empty{display:none}.blog-share__url{width:100%;min-width:0;padding:10px 12px;border:1px solid var(--blog-line);border-radius:5px;color:var(--blog-navy);background:var(--blog-paper);font:inherit;font-size:1.2rem}.blog-hero{margin:0 0 32px}.blog-hero img{width:100%;aspect-ratio:2.65;object-fit:cover;object-position:center 53%;height:auto;display:block;border-radius:8px}.blog-hero figcaption{margin-top:10px;font-size:1.15rem;color:var(--blog-muted)}.blog-summary{padding:34px;border:1px solid #d6e4f0;border-radius:8px;background:#eff6fc;scroll-margin-top:calc(var(--site-top-bar-offset) + 24px)}.blog-summary__top{display:grid;grid-template-columns:1fr 250px;gap:42px;align-items:center}.blog-summary .blog-eyebrow{margin-bottom:8px;font-size:1rem}.blog-summary h2{font-size:3rem;letter-spacing:-.03em;margin:0 0 12px}.blog-summary__intro{max-width:660px;margin:0;font-size:1.6rem;line-height:1.7}.blog-summary__amount{border-left:1px solid #c8dcee;padding-left:32px;display:flex;flex-direction:column;color:var(--blog-blue)}.blog-summary__amount strong{font-size:4.7rem;font-weight:700;letter-spacing:-.045em;line-height:1.25;white-space:nowrap}.blog-summary__amount span{font-size:1.2rem}.blog-highlights{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:28px}.blog-highlight{padding:20px;background:#fff;border:1px solid #dbe8f3;border-radius:6px}.blog-highlight__label{display:block;font-size:1.15rem;color:var(--blog-muted);margin-bottom:8px}.blog-highlight strong{display:block;font-size:2rem;line-height:1.35;letter-spacing:-.025em}.blog-highlight p{color:var(--blog-muted);font-size:1.35rem;line-height:1.6;margin:8px 0 0}.blog-summary__note{margin:18px 0 12px;font-size:1.2rem;color:var(--blog-muted)}.blog-reading-layout{display:grid;grid-template-columns:240px minmax(0,1fr);gap:64px;padding:64px 0;scroll-margin-top:calc(var(--site-top-bar-offset) + 24px)}.blog-toc{position:sticky;align-self:start;top:calc(var(--site-top-bar-offset) + 24px);font-size:1.25rem}.blog-toc>.blog-eyebrow{margin-bottom:20px;font-size:1rem}.blog-toc nav ul{list-style:none;padding:0;margin:0}.blog-toc nav li{margin:0;border-bottom:1px solid var(--blog-line)}.blog-toc nav a{display:block;text-decoration:none;color:var(--blog-muted);padding:11px 0;line-height:1.6}.blog-toc nav a:hover{color:var(--blog-blue)}.blog-toc__summary{display:flex;justify-content:space-between;color:var(--blog-blue);font-weight:700;text-decoration:none;border-bottom:1px solid var(--blog-line);padding-bottom:12px}.blog-toc__help{border-left:2px solid var(--blog-blue);padding:0 0 0 16px;margin-top:28px}.blog-toc__help p{font-weight:700;margin-bottom:8px}.blog-toc__help a{color:var(--blog-blue);font-size:1.15rem;text-underline-offset:4px}.blog-prose{max-width:760px;color:#344255;font-size:1.7rem;line-height:1.85}.blog-prose>p:first-child{margin-top:0}.blog-prose h2{color:var(--blog-navy);font-size:2.7rem;letter-spacing:-.035em;line-height:1.3;margin:46px 0 18px;scroll-margin-top:calc(var(--site-top-bar-offset) + 24px)}.blog-prose h3{color:var(--blog-navy);font-size:2rem;line-height:1.4;margin:32px 0 12px}.blog-prose p{margin:0 0 22px}.blog-prose ul{padding-left:22px;margin:20px 0 28px}.blog-prose li{margin:8px 0;padding-left:5px}.blog-prose li::marker{color:var(--blog-blue)}.blog-prose a{color:var(--blog-blue);text-underline-offset:4px}.blog-prose strong{color:var(--blog-navy)}.blog-calculation{background:var(--blog-paper);border:1px solid var(--blog-line);padding:26px;border-radius:7px;font-size:1.4rem;margin:24px 0}.blog-calculation__intro{color:var(--blog-navy)}.blog-calculation ol{list-style:none;counter-reset:calculation;padding:0;margin:0}.blog-calculation li{counter-increment:calculation;display:flex;align-items:center;gap:14px;margin:0;padding:16px 0;border-top:1px solid var(--blog-line)}.blog-calculation li::before{content:counter(calculation);width:27px;height:27px;flex-shrink:0;border-radius:50%;background:#e3edf7;color:var(--blog-blue);font-size:1.2rem;font-weight:700;text-align:center;line-height:27px}.blog-calculation li div{flex:1}.blog-calculation li strong{display:block;font-size:1.35rem}.blog-calculation li span{display:block;color:var(--blog-muted);font-size:1.2rem}.blog-calculation li b{font-size:1.7rem;color:var(--blog-blue);white-space:nowrap}.blog-calculation__total{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:10px;background:var(--blog-blue);color:#fff;padding:18px 22px;border-radius:5px;margin:8px 0 16px}.blog-calculation__total strong{color:#fff;font-size:3rem;line-height:1.3;letter-spacing:-.03em}.blog-calculation__note{font-size:1.15rem;color:var(--blog-muted);margin:0!important}.blog-infographics{border:1px solid var(--blog-line);border-radius:6px;padding:18px 22px;margin-top:36px}.blog-infographics summary{color:var(--blog-navy);font-weight:700;cursor:pointer;font-size:1.5rem}.blog-infographics>p{font-size:1.25rem;margin-top:18px}.blog-infographics figure{margin:20px 0 0}.blog-infographics img{display:block;width:100%;height:auto}.blog-sources{margin-top:36px;padding-top:22px;border-top:1px solid var(--blog-line)}.blog-sources h2{font-size:1.65rem;letter-spacing:0;margin:0 0 16px}.blog-sources ul,.blog-sources p{font-size:1.2rem;line-height:1.8}.blog-sources p{color:var(--blog-muted);margin-bottom:0}.blog-contact{display:grid;grid-template-columns:.85fr 1.15fr;background:var(--blog-paper);border:1px solid var(--blog-line);border-radius:8px;overflow:hidden;margin-bottom:48px}.blog-contact>img{width:100%;height:100%;object-fit:cover;object-position:35% center;min-height:310px}.blog-contact>div{padding:38px 42px}.blog-contact .blog-eyebrow{font-size:1rem;margin-bottom:14px}.blog-contact h2{font-family:Georgia,times new roman,serif;font-size:3.2rem;font-weight:400;line-height:1.25;letter-spacing:-.025em}.blog-contact p:not(.blog-eyebrow){color:var(--blog-muted);font-size:1.4rem;line-height:1.8;margin:14px 0 24px}.blog-back-link{display:flex;justify-content:space-between;gap:20px;margin-bottom:48px}@media(max-width:980px){.blog-shell{width:calc(100% - 48px)}.blog-reading-layout{grid-template-columns:190px minmax(0,1fr);gap:32px}.blog-feature__body{padding:26px}.blog-feature__body h2{font-size:2.4rem}.blog-summary__top{grid-template-columns:1fr 220px;gap:24px}.blog-summary__amount{padding-left:24px}.blog-summary__amount strong{font-size:4rem}.blog-contact>div{padding:30px}}@media(max-width:760px){.blog-shell{width:calc(100% - 36px)}.blog-index-header{padding:36px 0}.blog-index-header h1{font-size:4rem}.blog-deck{font-size:1.6rem}.blog-feature{grid-template-columns:1fr}.blog-feature__image{min-height:0;height:260px}.blog-feature__image img{object-position:center 45%}.blog-feature__body{padding:24px}.blog-feature__body h2{font-size:2.6rem}.blog-editorial-note{padding:22px;gap:16px;margin-bottom:36px}.blog-breadcrumb{padding-top:20px;gap:8px}.blog-article-header{padding:30px 0}.blog-article-header h1{font-size:3.4rem}.blog-article-header .blog-eyebrow{font-size:1rem}.blog-hero{margin-bottom:24px}.blog-hero img{aspect-ratio:1.65}.blog-summary{padding:24px}.blog-summary__top{grid-template-columns:1fr;gap:20px}.blog-summary__intro{font-size:1.5rem}.blog-summary__amount{border-left:0;border-top:1px solid #c8dcee;padding:18px 0 0}.blog-summary__amount strong{font-size:4.5rem}.blog-highlights{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin-top:22px}.blog-highlight{padding:16px}.blog-highlight strong{font-size:1.8rem}.blog-reading-layout{display:block;padding:36px 0}.blog-toc{position:static;margin-bottom:36px;padding:22px;border:1px solid var(--blog-line);border-radius:6px}.blog-toc__help{display:none}.blog-prose{font-size:1.6rem}.blog-prose h2{font-size:2.5rem;margin-top:36px}.blog-contact{grid-template-columns:1fr}.blog-contact>img{min-height:0;height:240px}.blog-contact>div{padding:26px}.blog-contact h2{font-size:2.9rem}}@media(max-width:400px){.blog-section-label>span{font-size:1rem}.blog-summary{padding:18px}.blog-highlight{padding:12px}.blog-highlight strong{font-size:1.6rem}.blog-calculation{padding:18px}.blog-calculation li{gap:10px;flex-wrap:wrap}.blog-calculation li b{font-size:1.5rem}.blog-back-link{flex-wrap:wrap}}@media(prefers-reduced-motion:reduce){.blog-page *,.blog-page *::before,.blog-page *::after{transition:none}html:has(.blog-page){scroll-behavior:auto}}