@font-face{font-family:'Montserrat';font-style:normal;font-weight:100 900;font-display:swap;src:url(https://fonts.gstatic.com/s/montserrat/v26/JTUSjIg1_i6t8kCHKm459WlhyyTh89Y.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+2074,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}section{color:#003e5d}section.cover-section{padding-block:calc(var(--sectionPadding) + var(--headerSize)) var(--sectionPadding)}section.cover-section .section-header{padding-inline:var(--pagePadding)}article{padding-block:0 var(--sectionPadding)}.section-meta{padding-block:var(--blockPadding) 0;padding-inline:var(--pagePadding);font-size:0.85em}.section-meta>div{display:-ms-grid;display:grid;-ms-grid-columns:100px 1fr;grid-template-columns:100px 1fr}.section-meta .side-heading{color:#77787b;font-weight:320;letter-spacing:0.025em;text-transform:uppercase}.section-meta .authors{list-style:none}.section-meta .date{margin-top:10px}.section-meta .share{-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-top:10px}.section-meta .sharers{display:-webkit-box;display:-ms-flexbox;display:flex;-webkit-box-align:center;-ms-flex-align:center;align-items:center;gap:8px}.section-meta .sharers svg{height:20px;width:20px}.section-meta .sharers svg path{fill:#003e5d}.section-meta .sharers svg.twitter{height:17px;width:17px;margin-top:1px}.further-reading{margin-block:0 2px;padding-block:var(--sectionPadding) 0;background:#faa61a}.further-reading .section-header{position:relative;padding-block:0;padding-inline:var(--pagePadding);font-size:2rem;font-weight:400;text-align:left}.further-reading .section-header h3{position:relative;z-index:1;display:inline-block;padding-inline:0 5px;background:#faa61a}.further-reading .section-header:after{content:'';position:absolute;top:50%;right:var(--pagePadding);z-index:0;height:2px;width:calc(100% - 2*var(--pagePadding));background:#003e5d}@media only screen and (min-width:480px){}@media only screen and (min-width:768px){section.cover-section .section-header{padding-inline:var(--contentPadding)}.section-meta{padding-inline:var(--contentPadding);font-size:0.88em}.section-meta>div{-ms-grid-columns:140px 1fr;grid-template-columns:140px 1fr}.section-meta .sharers{gap:10px}.section-meta .sharers svg{height:24px;width:24px}.section-meta .sharers svg.twitter{height:21px;width:21px}}@media only screen and (min-width:1024px){:root{--sideColumn:300px;--columnPadding:30px}section.cover-section .section-header{padding-inline:calc(0.5*var(--sideColumn))}.article-content{display:-ms-grid;display:grid;-ms-grid-columns:var(--sideColumn) 1fr;grid-template-columns:var(--sideColumn) 1fr;-ms-grid-rows:auto 1fr;grid-template-rows:auto 1fr;grid-auto-flow:dense}.article-content>:first-child{-ms-grid-row:1;-ms-grid-column:1}.article-content>:nth-child(2){-ms-grid-row:1;-ms-grid-column:2}.article-content>:nth-child(3){-ms-grid-row:2;-ms-grid-column:1}.article-content>:nth-child(4){-ms-grid-row:2;-ms-grid-column:2}.section-content{-ms-grid-column:2;grid-column:2;-ms-grid-row-span:2;grid-row:span 2}.section-meta{padding-block:0;padding-inline:var(--columnPadding)}.section-meta>div{-ms-grid-columns:1fr;grid-template-columns:1fr;gap:5px}.section-meta .date,.section-meta .share{margin-top:20px}}@media only screen and (min-width:1080px){}@media only screen and (min-width:1280px){:root{--sideColumn:clamp(310px,25vw,550px);--columnPadding:40px}.further-reading{position:absolute;right:0;bottom:var(--sectionPadding);width:var(--sideColumn);padding-block:0;background:#fdfdfd}.further-reading .section-header{padding-inline:0 var(--columnPadding)}.further-reading .section-header h3{background:#fdfdfd}.further-reading .section-header:after{right:var(--columnPadding);width:calc(100% - var(--columnPadding))}.further-reading .articles{display:block}.further-reading .article{padding-inline:0 var(--columnPadding);background:#fdfdfd;color:#003e5d}.further-reading .article .article-content{padding-inline:0}.further-reading .article .article-title{font-size:clamp(2.2rem,1.8vw,2.8rem)}}@media print{}
/* Blog posts: branded header, readable body, further reading band */
article section.cover-section{background:#003e5d;padding-block:calc(var(--headerSize) + 2*var(--blockPadding)) calc(2*var(--blockPadding))}
article section.cover-section .section-heading{color:#fdfdfd;max-width:900px;margin-inline:auto;text-align:center;line-height:1.15}
article .article-content{padding-top:var(--sectionPadding)}
article .section-content{color:#1f2b33;font-size:1.02em;line-height:1.7}
article .section-content p{margin-block:0 1em;max-width:760px}
article .section-content ul{max-width:760px}
article .section-content li{margin-bottom:0.45em}
article .section-content h2{max-width:760px;margin-block:1.8em 0.6em;color:#003e5d;font-size:clamp(2.2rem,1.9vw,2.8rem);font-weight:600;line-height:1.25;text-align:left;text-transform:none;letter-spacing:0}
article .section-content h2::after{content:'';display:block;width:56px;height:4px;margin-top:12px;border-radius:2px;background:#faa61a}
article .section-content > h2:first-child{margin-top:0}
article .section-content h3{margin-block:1.4em 0.4em;color:#003e5d;font-size:1.15em;font-weight:600;text-transform:none}
article .section-content a{color:#003e5d;font-weight:600;text-decoration:underline;text-decoration-color:#faa61a;text-decoration-thickness:2px;text-underline-offset:3px}
article .section-content strong{color:#003e5d}
.further-reading{position:static!important;width:auto!important;margin:0;padding-block:var(--sectionPadding)!important;padding-inline:var(--pagePadding);background:#faa61a!important}
.further-reading .section-header{max-width:1100px;margin-inline:auto;padding-inline:0!important}
.further-reading .section-header h3{background:#faa61a!important;color:#003e5d;font-weight:600}
.further-reading .section-header:after{right:0!important;width:100%!important}
.further-reading .articles{max-width:1100px;margin-inline:auto;display:grid!important;grid-template-columns:1fr;gap:20px;padding-top:24px}
.further-reading .article{padding:0!important;background:#fdfdfd!important;border-radius:var(--smallCorner);overflow:hidden;box-shadow:0 2px 8px rgba(0,36,61,0.12)}
.further-reading .article .article-content{padding:16px 18px 18px!important}
@media only screen and (min-width:768px){.further-reading .articles{grid-template-columns:repeat(3,1fr)}}
@media only screen and (min-width:1280px){.further-reading .article .article-title{font-size:2.2rem!important}}
article .section-content mark{background:none;color:#003e5d;font-weight:600}
article .section-content mark a,article .section-content a mark{color:#003e5d}
@media only screen and (min-width:1024px){article .article-content{grid-template-columns:var(--sideColumn) minmax(0,1fr)!important}article .section-content{padding-inline:0 var(--columnPadding)!important}}
@media only screen and (min-width:1280px){article .section-content{padding-inline:0 clamp(40px,8vw,200px)!important}}
article .calc-cta{flex-direction:column;align-items:stretch;gap:14px;margin:0 var(--pagePadding) 24px;padding:20px;border-radius:14px;box-sizing:border-box}
article .calc-cta-text{flex:0 1 auto;min-width:0}
article .calc-cta-text strong{font-size:1.1em;line-height:1.25}
article .calc-cta-text span{font-size:0.95em;line-height:1.45}
article .calc-cta-btn{display:block;white-space:normal;text-align:center;padding:11px 16px}
@media only screen and (min-width:1024px){article .calc-cta{margin:0 var(--columnPadding) 28px;align-self:start}}
@media only screen and (min-width:1024px) and (max-width:1439px){article .calc-cta{margin:0 20px 28px;padding:18px}article .calc-cta-btn{font-size:0.92em;padding:10px 12px;white-space:nowrap}}
/* Warm cream reading background instead of plain white */
body{background:#fbf3e4}article,article .article-content,article .section-content{background:#fbf3e4}