.insights-hero{padding:88px 0 82px;background:var(--navy);color:var(--paper)}.insights-hero .eyebrow{color:#c4d5ca}.insights-hero h1{font-size:54px;max-width:900px}.insights-hero .lead{color:#d1dadc;max-width:780px;margin-top:28px}.insights-meta{display:flex;gap:16px;flex-wrap:wrap;margin-top:26px;font-size:14px;color:#c6d0d2}.insight-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.insight-card{display:flex;flex-direction:column;min-height:300px;padding:34px;border:1px solid var(--line);background:white;transition:transform .2s,box-shadow .2s}.insight-card:hover{transform:translateY(-3px);box-shadow:0 16px 38px #0b1d2b12}.insight-card .kicker{font-size:13px;color:var(--green);font-weight:700;margin-bottom:20px}.insight-card h2{font-size:28px;margin-bottom:18px}.insight-card p{color:var(--muted);font-size:17px}.insight-card .card-bottom{margin-top:auto;padding-top:34px;display:flex;justify-content:space-between;gap:20px;font-size:14px;border-top:1px solid var(--line)}.insight-card .card-link{font-weight:700;color:var(--green)}.editorial-note{margin-top:42px;padding:26px 30px;background:#eeeee8;border-left:3px solid var(--green);font-size:16px;color:var(--muted)}.article-hero{padding:74px 0 66px;background:var(--navy);color:var(--paper)}.article-hero .eyebrow{color:#c4d5ca}.article-hero h1{font-size:50px;max-width:980px}.article-hero .lead{color:#d1dadc;max-width:850px;margin-top:26px}.article-meta{display:flex;gap:18px;flex-wrap:wrap;margin-top:28px;font-size:14px;color:#c7d1d3}.breadcrumb{font-size:14px;color:var(--muted);margin-bottom:24px}.breadcrumb a{text-decoration:underline;text-underline-offset:4px}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:72px;align-items:start}.article-body{max-width:820px}.article-body>p,.article-body section>p{font-size:19px;color:var(--muted);margin:0 0 30px}.article-body h2{font-size:32px;margin:62px 0 20px}.article-body h2:first-of-type{margin-top:12px}.article-toc{position:sticky;top:126px;border-top:1px solid var(--ink);padding-top:22px}.article-toc strong{font-size:14px}.article-toc a{display:block;padding:11px 0;border-bottom:1px solid var(--line);font-size:15px;color:var(--muted)}.article-disclaimer{margin-top:58px;padding-top:22px;border-top:1px solid var(--line);font-size:14px;color:var(--muted)}@media(max-width:1000px){.insight-grid{grid-template-columns:1fr}.article-layout{grid-template-columns:1fr}.article-toc{position:static;order:-1}}@media(max-width:700px){.insights-hero,.article-hero{padding:60px 0 54px}.insights-hero h1,.article-hero h1{font-size:38px}.insight-card{padding:26px;min-height:260px}.insight-card h2{font-size:25px}.article-body>p,.article-body section>p{font-size:18px}.article-body h2{font-size:28px;margin-top:50px}}