/* Shared editorial and service page system. */
.inner-hero{padding:38px 0 48px;background:radial-gradient(ellipse at 90% 20%,#e7e9ff,transparent 52%),#f7f9fe;border-bottom:1px solid var(--line)}.breadcrumbs{display:flex;flex-wrap:wrap;gap:9px;font-size:11px;color:#64718a;margin-bottom:30px}.breadcrumbs a{color:#315bf5}.inner-hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}.inner-hero h1{font-size:clamp(34px,4vw,53px);letter-spacing:-2px;line-height:1.13;max-width:830px}.inner-hero .intro{font-size:16px;line-height:1.85;margin:22px 0;max-width:670px}.inner-hero .eyebrow{font-size:10px}.inner-hero img{width:100%;height:auto;border-radius:19px;box-shadow:0 20px 50px #263d7410}.inner-hero .actions{align-items:center}.inner-hero .text-link{padding:12px 0}.page-meta{display:flex;flex-wrap:wrap;gap:8px 20px;font-size:11px;color:#66748c;margin-top:24px}.page-meta a{text-decoration:underline;text-underline-offset:3px}.reading-layout{display:grid;grid-template-columns:minmax(0,780px) 280px;gap:70px;align-items:start;padding-block:60px}.prose{min-width:0;color:#253650;font-size:16px;line-height:1.85}.prose p{color:#50617b;margin:0 0 20px}.prose h2{font-size:30px;letter-spacing:-1px;margin:48px 0 20px;scroll-margin-top:110px}.prose h3{font-size:21px;margin:28px 0 13px;scroll-margin-top:110px}.prose h4{font-size:18px;margin:20px 0 10px}.prose a{color:#315bf5;text-decoration:underline;text-underline-offset:3px;overflow-wrap:anywhere}.prose ul,.prose ol{padding-left:24px;margin:15px 0 24px}.prose li{padding-left:5px;margin:10px 0}.prose table{width:100%;border-collapse:collapse;font-size:13px;line-height:1.6}.prose th,.prose td{padding:14px;text-align:left;border:1px solid #dfe6f1;vertical-align:top}.prose th{background:#eff3ff;color:#203867}.table-scroll{overflow-x:auto;margin:25px 0;border-radius:10px}.prose img{height:auto;border-radius:12px;max-width:100%}.prose figure{margin:30px 0}.prose figcaption{font-size:11px;color:#738099;margin-top:10px}.brief-box{padding:30px;border:1px solid #dce5fb;background:linear-gradient(130deg,#f0f5ff,#f9f7ff);border-radius:16px;margin-bottom:32px}.brief-box h2:first-child{margin-top:0;font-size:26px}.brief-box p:last-child{margin-bottom:0}.brief-box .eyebrow{font-size:9px}.reader-note{border-left:3px solid #315bf5;background:#f6f8fc;padding:18px 22px;margin:28px 0;font-size:14px}.byline-box{display:flex;gap:17px;padding:25px;border:1px solid var(--line);border-radius:13px;margin:40px 0}.byline-box img{width:46px;height:46px;flex:none;border-radius:12px}.byline-box p{font-size:13px;margin:7px 0 0}.byline-box strong{font-size:15px}.related{background:#f7f9fd;border-block:1px solid var(--line);padding:55px 0}.related h2{font-size:29px;margin-bottom:25px}.related-grid,.journal-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.related-card,.journal-card{display:block;padding:25px;background:white;border:1px solid var(--line);border-radius:14px;transition:transform .2s,border-color .2s}.related-card:hover,.journal-card:hover{transform:translateY(-3px);border-color:#a6b9f4}.related-card h3{font-size:18px}.related-card p{font-size:12px;margin-top:13px}.journal-card{padding:0;overflow:hidden}.journal-card img{width:100%;height:auto;border-bottom:1px solid var(--line)}.journal-card>div{padding:25px}.journal-card h2{font-size:23px;line-height:1.3}.journal-card p{font-size:13px;margin-top:13px}.journal-card .eyebrow{font-size:9px}.journal-tools{display:flex;gap:20px;align-items:center;margin-bottom:30px}.journal-tools input{padding:13px 17px;border:1px solid #cdd8ef;border-radius:8px;width:min(100%,420px);font-size:14px}.journal-tools label{font-size:13px;font-weight:700}.no-results{padding:30px;color:#64718a}.contact-panel{padding:40px;background:#142445;color:white;border-radius:18px;display:grid;grid-template-columns:1fr 1fr;gap:40px}.contact-panel h2{font-size:32px}.contact-panel p{color:#c3cfe2;font-size:14px;margin-top:15px}.contact-panel label{display:block;font-size:12px;margin:0 0 8px}.contact-panel input,.contact-panel select{width:100%;padding:12px;border:1px solid #cdd8ef;background:#fff;border-radius:7px;margin-bottom:15px;font-size:13px}.contact-panel .button{width:100%}.contact-panel .form-note{font-size:11px}.article-hero{padding-bottom:40px}.article-hero .inner-hero-grid{grid-template-columns:1.3fr .7fr}.article-hero h1{font-size:clamp(34px,3.7vw,49px)}.article-hero .intro{font-size:15px}.page-tag{color:#315bf5;font-size:10px;text-transform:uppercase;letter-spacing:1px;font-weight:800;margin-bottom:12px}.prose details{border-bottom:1px solid var(--line);padding:17px 0}.prose summary{font-weight:700;cursor:pointer}.prose details p{margin:14px 0}.directory-grid{display:flex;flex-wrap:wrap;gap:10px;margin:25px 0}.directory-grid a{padding:9px 13px;border:1px solid var(--line);border-radius:7px;font-size:12px;background:#fff}.reading-progress{height:2px;background:#315bf5;transform-origin:left;position:fixed;top:0;left:0;width:100%;z-index:40;transform:scaleX(0)}[hidden]{display:none!important}
@media(max-width:1000px){.reading-layout{grid-template-columns:minmax(0,1fr) 230px;gap:35px}.inner-hero-grid{gap:25px}.inner-hero h1{font-size:39px}.journal-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:760px){.inner-hero{padding:25px 0 32px}.breadcrumbs{font-size:10px;margin-bottom:22px}.inner-hero-grid,.article-hero .inner-hero-grid{grid-template-columns:1fr;gap:28px}.inner-hero h1,.article-hero h1{font-size:35px;letter-spacing:-1.3px}.inner-hero .intro{font-size:14px;margin:17px 0}.inner-hero img{max-width:420px;margin:auto}.inner-hero .button{font-size:12px}.reading-layout{display:flex;flex-direction:column;gap:24px;padding-block:32px}.prose{font-size:15px;width:100%}.prose h2{font-size:26px;margin-top:36px}.brief-box{padding:22px}.brief-box h2:first-child{font-size:24px}.related-grid,.journal-grid,.contact-panel{grid-template-columns:1fr}.contact-panel{padding:25px;gap:25px}.journal-tools{align-items:stretch;flex-direction:column;gap:10px}.journal-card h2{font-size:23px}.byline-box{padding:20px}.article-hero .page-meta{font-size:10px}}
@media(prefers-reduced-motion:reduce){.related-card,.journal-card{transition:none}}
.budget-tool{display:grid;grid-template-columns:1.4fr 1fr;gap:12px 20px;padding:25px;background:#f1f5ff;border:1px solid #dce5f5;border-radius:13px;margin:25px 0}.budget-tool label{font-size:13px;align-self:center}.budget-tool input{min-width:0;width:100%;padding:10px;border:1px solid #bdcdeb;border-radius:6px;background:#fff;font-size:14px}.budget-tool output,.budget-tool p{grid-column:1/-1}.budget-tool output{font-size:22px;font-weight:800;color:#315bf5;padding-top:13px}.budget-tool p{font-size:12px;margin-bottom:0}@media(max-width:500px){.budget-tool{grid-template-columns:1fr;padding:20px}.budget-tool input{margin-bottom:10px}}

.reading-layout-single{display:block;max-width:780px;margin-inline:auto}
.reading-layout-article .toc-panel{position:sticky;top:108px;border:1px solid var(--line);border-radius:15px;padding:23px;background:#fff;min-width:0}
.reading-layout-article .toc-panel summary{font-weight:800;font-size:13px;cursor:pointer}
.reading-layout-article .toc-panel ol{list-style:none;padding:0;margin:18px 0 0;max-height:45vh;overflow:auto}
.reading-layout-article .toc-panel li{font-size:12px;line-height:1.6;margin:12px 0}
.reading-layout-article .toc-panel a{color:#64718a}
.reading-layout-article .toc-panel a:hover{color:#315bf5}
@media(max-width:760px){.reading-layout-article .toc-panel{order:-1;position:static;width:100%;padding:19px}.reading-layout-article .toc-panel ol{max-height:160px}}

/* Keep contextual CTA links readable inside article copy. */
.prose a.button{color:#fff;text-decoration:none;overflow-wrap:normal}