:root{--ink:#243d4e;--muted:#536a78;--line:#cfdee2;--blue:#dce9fb;--mint:#d9f0e5;--paper:#fbfdfc;color-scheme:light}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:30px}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.7 Manrope,Arial,sans-serif}a{color:inherit;text-underline-offset:4px}button,input{font:inherit}button,a,input{outline-offset:5px}a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid #4a7095}[hidden]{display:none!important}.wrap{width:min(1160px,calc(100% - 80px));margin-inline:auto}.skip{position:absolute;top:-100px;padding:14px;background:#fff;z-index:10}.skip:focus{top:10px}.site-header{display:flex;justify-content:space-between;align-items:center;gap:30px;min-height:106px}.brand{display:flex;gap:14px;align-items:center;text-decoration:none;font-size:28px;line-height:1;font-weight:800;letter-spacing:-1.2px;flex-shrink:0}.brand small{font-size:8px;letter-spacing:1.9px;display:block;margin-top:10px;font-weight:600}.mark{font-size:55px;position:relative;letter-spacing:-5px;font-weight:500;padding-right:11px}.mark span{position:absolute;font-size:25px;top:2px;right:0;color:#5a897c;letter-spacing:0}.site-header nav{display:flex;align-items:center;gap:25px;font-size:13px;font-weight:600}.site-header nav a{text-decoration:none}.site-header nav a:hover{text-decoration:underline}.private-link{padding:9px 14px;border:1px solid var(--line);border-radius:30px}.hero{background:linear-gradient(120deg,#eaf1fd 4%,#e9f5f1 68%,#f1f7f4);border-block:1px solid #e2ecee;padding:48px 0 64px}.hero-inner{display:grid;gap:40px}.hub-hero .hero-inner{grid-template-columns:1.25fr .75fr;align-items:center}.breadcrumb{display:flex;gap:12px;flex-wrap:wrap;font-size:12px;color:var(--muted);margin-bottom:28px}.breadcrumb a{text-decoration:none}.eyebrow{font-size:11px;font-weight:800;letter-spacing:1.7px;margin:0 0 15px;color:#46677b}h1,h2,h3{line-height:1.16;letter-spacing:-1.3px;font-weight:600;margin:0 0 22px}h1{font-size:clamp(36px,4vw,57px);max-width:970px;letter-spacing:-2.1px}h2{font-size:34px}h3{font-size:24px;letter-spacing:-.6px}.lead{font-size:19px;line-height:1.7;max-width:850px;color:var(--muted);margin:25px 0 0}.actions{display:flex;align-items:center;gap:25px;flex-wrap:wrap;margin-top:32px}.button{display:inline-flex;align-items:center;justify-content:center;gap:20px;padding:14px 22px;border-radius:9px;background:linear-gradient(105deg,#bcd1f0,#c3e8d9);border:1px solid #adc5d1;color:#233f51;text-decoration:none;font-size:14px;font-weight:800;cursor:pointer;box-shadow:inset 0 1px 0 #fff9,0 8px 20px #9bb8c414}.button:hover{background:linear-gradient(105deg,#abc6eb,#b0dfcc)}.text-link{font-size:14px;font-weight:700;text-decoration:none}.text-link:hover{text-decoration:underline}.model-visual{border:1px solid #b6cbd4;border-radius:200px 200px 30px 30px;padding:56px 28px 25px;background:linear-gradient(160deg,#ffffff8a,#dcf1e280);text-align:center;box-shadow:0 25px 70px #638daa12}.visual-label,.visual-footer{font-size:9px;letter-spacing:1.7px;color:#4f7183;font-weight:700}.orbit{display:flex;gap:8px;justify-content:center;align-items:center;margin:29px 0}.orbit span{border:1px solid #a8c3ce;border-radius:50%;width:82px;height:82px;display:grid;place-items:center;font-size:13px;background:#f6fbfa80}.orbit span:nth-child(2){margin-top:36px;background:linear-gradient(140deg,#c6dcf6,#d7eddf)}.model-visual p{font-size:36px;line-height:1.28;letter-spacing:-1.6px;font-weight:500}.model-visual strong{font-weight:700}.intro-block{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;padding-block:80px}.intro-block h2{font-size:25px}.intro-block .prose-section{margin:0}.intro-block p{font-size:15px}.section-heading{padding-top:70px}.tinted{background:linear-gradient(110deg,#f0f5fc,#eef8f3);padding-bottom:70px;border-block:1px solid #e1ebed}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:30px}.cards.sectors{grid-template-columns:repeat(2,1fr)}.card{padding:29px;border:1px solid var(--line);border-radius:15px;background:#ffffffb3;display:flex;flex-direction:column;align-items:flex-start}.card h3 a{text-decoration:none}.card h3 a:hover{text-decoration:underline}.card p{font-size:15px;color:var(--muted);margin:0 0 26px}.card>.text-link{margin-top:auto}.card .eyebrow{font-size:10px}.related{padding-top:65px}.related .cards{grid-template-columns:repeat(2,1fr)}.byline{font-size:12px;color:#536c7a;margin-top:30px}.article-layout{display:grid;grid-template-columns:240px minmax(0,1fr);gap:70px;padding-top:65px}.toc nav{display:flex;flex-direction:column;gap:15px;font-size:13px;margin-bottom:30px}.toc nav a{color:#486576;text-decoration:none;line-height:1.5}.toc nav a:hover{text-decoration:underline}.prose{max-width:780px}.prose-section{margin-bottom:42px}.prose-section h2{font-size:28px;letter-spacing:-.7px}.prose-section p{margin:15px 0;color:#3c5666}.prose-section li{padding-left:7px;margin-bottom:12px;color:#3c5666}.prose-section ul{padding-left:22px}.source,.editorial,.fine{font-size:12px!important;color:var(--muted);line-height:1.65}.editorial{padding:22px;border-left:3px solid #bbd7dc;background:#f0f6f7}.contact{margin-top:80px;margin-bottom:60px;padding:45px;border-radius:20px;background:linear-gradient(115deg,#dfebfd,#ddf1e6);display:flex;gap:35px;justify-content:space-between;align-items:center}.contact h2{font-size:36px}.contact p:not(.eyebrow){max-width:550px;font-size:15px;color:var(--muted);margin:0}.contact>div:last-child{flex-shrink:0}.contact-email{display:block;text-align:center;font-size:13px;margin-top:13px}.site-footer{border-top:1px solid var(--line);padding:35px 0;display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}.site-footer p{font-size:12px;color:var(--muted)}.site-footer nav{display:flex;gap:25px;font-size:12px}.resource-list{padding-top:50px}.search-label{display:block;font-size:14px;font-weight:600;margin-bottom:9px}.search{max-width:600px;width:100%;padding:13px 17px;border:1px solid #a6bdc9;border-radius:9px;background:#fff;color:var(--ink)}.calculator{padding:30px;background:linear-gradient(125deg,#edf3fd,#edf7f1);border:1px solid #b9d1d9;border-radius:18px;margin-bottom:48px}.calculator h2{font-size:29px}.calculator>p{font-size:14px;color:var(--muted)}.input-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:25px 0}.input-grid label{font-size:12px;font-weight:600;line-height:1.55}.input-grid .wide{grid-column:1/-1}.input-grid input{display:block;width:100%;padding:10px 12px;background:#fff;border:1px solid #a8bdc9;border-radius:7px;font-size:16px;color:var(--ink);margin-top:7px}#calc-error{font-size:13px;color:#873b2c}#calc-result{border-top:1px solid #b8d0d5;margin-top:25px;padding-top:25px}#total{font-size:37px;font-weight:700;letter-spacing:-1px}#breakdown{font-size:13px}.table-scroll{overflow-x:auto}table{border-collapse:collapse;width:100%;font-size:13px}caption{text-align:left;font-size:12px;padding:16px 0;color:var(--muted)}td,th{padding:12px 10px;border-bottom:1px solid #c7dadd;text-align:left}.secondary{font-size:13px;margin-top:20px;background:#fff8;border:1px solid #9ab6c4;padding:10px 15px;border-radius:7px;cursor:pointer;color:var(--ink)}.not-found{padding-block:100px}.not-found h1{max-width:750px}@media(max-width:1000px){.wrap{width:calc(100% - 48px)}.site-header{flex-wrap:wrap;padding:20px 0;gap:20px}.site-header nav{gap:18px}.hub-hero .hero-inner{grid-template-columns:1.15fr .85fr;gap:25px}.model-visual{padding:45px 15px 23px}.orbit span{width:66px;height:66px;font-size:12px}.intro-block{gap:25px}.cards{grid-template-columns:1fr 1fr}.article-layout{grid-template-columns:190px minmax(0,1fr);gap:35px}.contact{padding:30px;flex-wrap:wrap}}@media(max-width:680px){.wrap{width:calc(100% - 40px)}.site-header{gap:22px}.site-header nav{gap:13px;flex-wrap:wrap;font-size:12px}.private-link{padding:6px 10px}.hero{padding:27px 0 38px}.hub-hero .hero-inner{grid-template-columns:1fr}.hero h1{font-size:40px;letter-spacing:-1.5px}.lead{font-size:17px}.model-visual{border-radius:20px;max-width:450px}.model-visual p{font-size:29px;margin:12px 0 22px}.orbit{margin:16px 0}.orbit span{width:78px;height:78px}.intro-block{grid-template-columns:1fr;padding-block:45px;gap:30px}.cards,.cards.sectors,.related .cards{grid-template-columns:1fr}.card{padding:25px}.section-heading{padding-top:45px}h2{font-size:30px}.article-layout{grid-template-columns:1fr;gap:30px;padding-top:35px}.toc{padding-bottom:24px;border-bottom:1px solid var(--line)}.toc nav{gap:9px}.prose-section h2{font-size:25px}.contact{margin-top:50px;padding:25px}.contact h2{font-size:30px}.site-footer nav{flex-wrap:wrap;gap:18px}.calculator{padding:21px}.input-grid{grid-template-columns:1fr}.input-grid .wide{grid-column:auto}#total{font-size:30px}.related{padding-top:30px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}