/* Shared styles for content pages: insights hub, articles, glossary */
:root{--navy:#0C447C;--navy-deep:#042C53;--navy-mid:#185FA5;--clay:#D85A30;--clay-light:#F0997B;--cream:#FAF9F5;--muted:#5F6B7A;--line:rgba(12,68,124,.14)}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,sans-serif;background:var(--cream);color:var(--navy-deep);line-height:1.6;font-size:16px}
a{color:inherit;text-decoration:none}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 18px;border-radius:0 0 8px 0;z-index:100}
.skip:focus{left:0}
a:focus-visible,.btn:focus-visible,summary:focus-visible{outline:2px solid var(--clay);outline-offset:3px;border-radius:4px}
.btn{display:inline-block;background:var(--clay);color:#fff;font-weight:500;font-size:15px;padding:13px 26px;border-radius:8px;transition:background .2s}
.btn:hover{background:#c04d27}

nav.site{position:sticky;top:0;background:rgba(250,249,245,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);z-index:50}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{display:flex;align-items:center;gap:12px}
.logo span{font-weight:600;letter-spacing:4px;font-size:15px;color:var(--navy-deep)}
.nav-links{display:flex;gap:26px;font-size:14.5px;color:var(--navy);font-weight:500}
.nav-links a:hover,.nav-links a[aria-current]{color:var(--clay)}
@media(max-width:760px){.nav-links{display:none}}

.crumbs{font-size:13px;color:var(--muted);padding:28px 0 0}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li::before{content:"/";margin-right:6px;color:var(--line)}
.crumbs a{color:var(--navy)}
.crumbs a:hover{color:var(--clay)}

.eyebrow{font-size:12px;letter-spacing:2.5px;text-transform:uppercase;color:var(--clay);font-weight:600;margin-bottom:14px}

/* Article */
.article{max-width:740px;margin:0 auto;padding:0 24px}
.article header{padding:28px 0 8px}
.article h1{font-size:clamp(30px,4.4vw,44px);font-weight:600;letter-spacing:-.025em;line-height:1.12;margin-bottom:16px}
.dek{font-size:18.5px;color:var(--muted);margin-bottom:18px}
.byline{font-size:13.5px;color:var(--muted);display:flex;flex-wrap:wrap;gap:6px 14px;padding-bottom:24px;border-bottom:1px solid var(--line)}
.byline strong{color:var(--navy-deep);font-weight:600}
.answer{background:#fff;border:1px solid var(--line);border-left:4px solid var(--clay);border-radius:12px;padding:22px 24px;margin:28px 0}
.answer .label{font-size:12px;letter-spacing:2px;text-transform:uppercase;color:var(--clay);font-weight:600;margin-bottom:8px}
.answer p{font-size:16.5px;color:var(--navy-deep)}
.takeaways{background:var(--navy-deep);color:#DCE7F3;border-radius:14px;padding:24px 26px;margin:0 0 32px}
.takeaways h2{color:#fff;font-size:15px;letter-spacing:1.5px;text-transform:uppercase;margin:0 0 12px !important;font-weight:600}
.takeaways ul{padding-left:18px}
.takeaways li{margin-bottom:6px;font-size:15px}
.toc{border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin:0 0 36px;font-size:14.5px}
.toc strong{display:block;font-size:12px;letter-spacing:2px;text-transform:uppercase;color:var(--muted);margin-bottom:8px}
.toc ol{padding-left:20px}
.toc li{margin-bottom:4px}
.toc a{color:var(--navy)}
.toc a:hover{color:var(--clay)}
.prose h2{font-size:clamp(22px,2.8vw,28px);font-weight:600;letter-spacing:-.015em;line-height:1.25;margin:44px 0 14px;scroll-margin-top:84px}
.prose h3{font-size:18.5px;font-weight:600;margin:28px 0 8px}
.prose p{font-size:17px;color:#26323F;margin-bottom:16px}
.prose ul,.prose ol{padding-left:22px;margin-bottom:18px}
.prose li{font-size:17px;color:#26323F;margin-bottom:8px}
.prose a{color:var(--navy);font-weight:500;text-decoration:underline;text-decoration-color:rgba(216,90,48,.5);text-underline-offset:3px}
.prose a:hover{color:var(--clay)}
.prose strong{color:var(--navy-deep)}
.prose table{width:100%;border-collapse:collapse;margin:8px 0 22px;font-size:15px;background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden;display:block;overflow-x:auto}
.prose th,.prose td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{background:rgba(12,68,124,.05);font-weight:600;font-size:13.5px;color:var(--navy-deep)}
.prose tr:last-child td{border-bottom:none}
.prose blockquote{border-left:3px solid var(--clay);padding:4px 0 4px 18px;margin:0 0 18px;color:var(--muted);font-style:italic}
.note{font-size:14px;color:var(--muted);background:rgba(12,68,124,.04);border-radius:10px;padding:14px 16px;margin:0 0 18px}

.faq{margin-top:12px}
.faq details{border-bottom:1px solid var(--line);padding:4px 0}
.faq summary{cursor:pointer;font-size:16.5px;font-weight:500;padding:14px 0;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--clay);font-size:20px}
.faq details[open] summary::after{content:"−"}
.faq details p{font-size:15.5px;color:var(--muted);padding:0 0 16px}

.cta-box{background:var(--navy-deep);border-radius:18px;padding:36px 32px;margin:48px 0 0;color:#9DB6D4}
.cta-box h2{color:#fff !important;margin:0 0 10px !important;font-size:24px}
.cta-box p{color:#9DB6D4 !important;margin-bottom:22px !important}
.cta-box .btn{text-decoration:none;color:#fff}

.related{max-width:740px;margin:48px auto 0;padding:0 24px}
.related h2{font-size:20px;font-weight:600;margin-bottom:14px}

/* Cards (hub + related) */
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:18px}
.post{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px 22px;transition:transform .2s, box-shadow .2s}
.post:hover{transform:translateY(-2px);box-shadow:0 18px 44px -26px rgba(4,44,83,.35)}
.post .tag{font-size:11.5px;letter-spacing:2px;text-transform:uppercase;color:var(--clay);font-weight:600;margin-bottom:10px}
.post h3{font-size:18px;font-weight:600;line-height:1.3;margin-bottom:8px}
.post p{font-size:14.5px;color:var(--muted);flex:1}
.post .more{font-size:14px;font-weight:600;color:var(--navy);margin-top:14px}

/* Hub */
.hub-head{padding:40px 0 36px;max-width:720px}
.hub-head h1{font-size:clamp(32px,4.8vw,50px);font-weight:600;letter-spacing:-.03em;line-height:1.1;margin-bottom:16px}
.hub-head p{font-size:18px;color:var(--muted)}
.hub-sec{padding:0 0 56px}
.hub-sec h2{font-size:22px;font-weight:600;letter-spacing:-.01em;margin-bottom:6px}
.hub-sec .sec-sub{color:var(--muted);font-size:15px;margin-bottom:20px;max-width:640px}

/* Glossary */
.terms dt{font-size:19px;font-weight:600;margin-top:30px;scroll-margin-top:84px}
.terms dd{font-size:16.5px;color:#26323F;margin-top:6px}
.terms dd a{color:var(--navy);font-weight:500;text-decoration:underline;text-decoration-color:rgba(216,90,48,.5);text-underline-offset:3px}
.az{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 12px}
.az a{font-size:13.5px;border:1px solid var(--line);background:#fff;border-radius:999px;padding:5px 12px;color:var(--navy)}
.az a:hover{border-color:var(--clay)}

footer.site{padding:48px 0 36px;border-top:1px solid var(--line);margin-top:88px;font-size:14px;color:var(--muted)}
.foot-grid{display:flex;justify-content:space-between;gap:32px;flex-wrap:wrap;margin-bottom:24px}
.foot-cols{display:flex;gap:48px;flex-wrap:wrap}
.foot-cols h3{font-size:12px;letter-spacing:2px;text-transform:uppercase;color:var(--navy-deep);margin-bottom:10px}
.foot-cols ul{list-style:none}
.foot-cols li{margin-bottom:6px}
.foot-cols a:hover{color:var(--navy)}