.insights-page{--ins-ink:#071d29;--ins-blue:#00b9ef;--ins-paper:#f5f3ee;--ins-line:#d7dfe2;--ins-muted:#53646f;background:var(--ins-paper);color:var(--ins-ink)}.insights-page #guide{max-width:none;padding:0;margin:0}.ins-wrap{max-width:1200px;width:calc(100% - 64px);margin:0 auto}.ins-breadcrumb{display:flex;gap:12px;flex-wrap:wrap;padding:26px 0;font-size:12px;color:var(--ins-muted)}.ins-breadcrumb a{text-decoration:none}.ins-hub-header{display:grid;grid-template-columns:1.1fr .9fr;gap:70px;align-items:center;padding:45px 0 64px}.insights-page h1,.insights-page h2,.insights-page h3{font-family:'Barlow Condensed',sans-serif;color:var(--ins-ink);letter-spacing:-.02em;line-height:1.04}.insights-page h1{font-size:clamp(56px,7.2vw,104px);text-transform:uppercase;margin:0 0 24px}.insights-page h1 span{color:#007fac}.insights-page h2{font-size:clamp(32px,3.2vw,46px);margin:0 0 22px}.insights-page h3{font-size:30px;margin:0 0 15px}.insights-page p{line-height:1.7}.ins-kicker{font:700 11px/1.4 'DM Sans',sans-serif;letter-spacing:.16em;color:#416373;margin:0 0 16px!important;text-transform:uppercase}.ins-deck{font-size:clamp(20px,2.3vw,30px);line-height:1.4!important;margin:0 0 20px}.ins-hub-header>div:last-child>p:not(.ins-deck){max-width:460px;color:var(--ins-muted);font-size:17px}.ins-text-link{display:inline-block;color:var(--ins-ink);font-weight:700;margin-top:12px;text-decoration:none;border-bottom:2px solid var(--ins-blue);padding-bottom:5px}.ins-section-label{display:flex;justify-content:space-between;gap:20px;align-items:end;border-top:1px solid var(--ins-line);padding:25px 0}.ins-section-label h2{font-size:30px;margin:0}.ins-section-label>span{color:var(--ins-muted);font-size:12px}.ins-card-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px}.ins-card{background:#fff;border:1px solid var(--ins-line)}.ins-card-image{display:flex;align-items:center;justify-content:center;background:#001432;aspect-ratio:1.91;overflow:hidden}.ins-card-image img{width:100%;height:100%;object-fit:contain}.ins-card-photo img{object-fit:cover}.ins-card>div{padding:30px}.ins-card h3{font-size:clamp(34px,3.5vw,44px)}.ins-card h3 a{text-decoration:none}.ins-card>div>p:not(.ins-kicker){color:var(--ins-muted)}.ins-card-meta{display:flex;gap:18px;font-size:12px;padding-top:10px}.ins-card-meta>span{border-left:1px solid var(--ins-line);padding-left:18px}.ins-resources{padding:75px 0;display:grid;grid-template-columns:1fr 1fr;gap:90px}.ins-resources p{color:var(--ins-muted)}.ins-resources nav{display:flex;flex-direction:column}.ins-resources nav a{padding:18px 0;border-bottom:1px solid var(--ins-line);text-decoration:none;font-weight:600;display:flex;justify-content:space-between;gap:20px}.ins-cta{margin:0 0 80px;padding:44px;background:var(--ins-ink);color:white;display:grid;grid-template-columns:1.2fr .8fr;gap:60px;align-items:center}.ins-cta h2{color:white}.ins-cta .ins-kicker{color:var(--ins-blue)}.ins-cta p{color:#d2e2eb}.ins-button{display:block;border-radius:5px;padding:17px 22px;background:var(--ins-blue);color:var(--ins-ink);font-weight:700;text-decoration:none;text-align:center}.ins-phone{display:block;text-align:center;color:white;margin:20px 0}.ins-fine{font-size:12px;line-height:1.5}.ins-cta .ins-fine{color:#b8ccd5}.ins-article-header{max-width:1000px;padding:35px 0 40px}.ins-article-header h1{font-size:clamp(48px,6vw,84px)}.ins-article-header .ins-deck{font-size:22px;max-width:760px;color:var(--ins-muted)}.ins-author{display:flex;gap:15px;align-items:center;margin-top:26px;font-size:12px}.ins-author img{width:54px;height:54px;object-fit:cover;border-radius:50%}.ins-author div{display:grid;gap:3px}.ins-author a{font-weight:700;font-size:14px;text-decoration:none}.ins-author span{color:var(--ins-muted)}.ins-feature-image{margin:0 0 52px}.ins-feature-image>img{width:100%;height:440px;object-fit:cover;display:block;background:#001432}.ins-feature-image.ins-comparison>img{height:auto;max-height:470px;object-fit:contain}.ins-feature-image figcaption{font-size:12px;color:var(--ins-muted);padding:12px 0;line-height:1.5}.ins-reading-layout{display:grid;grid-template-columns:220px minmax(0,760px);justify-content:space-between;gap:48px}.ins-toc{align-self:start;position:sticky;top:110px;border-top:3px solid var(--ins-blue);padding-top:18px;display:grid;gap:15px;font-size:13px;line-height:1.5}.ins-toc p{font-size:10px;font-weight:700;letter-spacing:.12em;margin:0}.ins-toc a{text-decoration:none}.ins-prose{font-size:17px;line-height:1.8}.ins-prose section{margin-bottom:48px;scroll-margin-top:120px}.ins-prose p{margin:0 0 22px}.ins-prose h3{font-size:27px;margin-top:28px}.ins-prose li{margin-bottom:10px}.ins-prose ul{padding-left:24px}.ins-prose blockquote{margin:28px 0;padding:15px 0 15px 25px;border-left:4px solid var(--ins-blue);font-size:23px;line-height:1.5;font-weight:600}.ins-cite{font-size:11px;font-weight:700;vertical-align:super;color:#007ca3;padding:4px;text-decoration:none}.ins-callout{background:#e7f4f8;padding:25px 30px;margin:28px 0}.ins-callout h3{margin-top:0}.ins-callout p:last-child{margin-bottom:0}.ins-comparison-grid{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--ins-line);border-bottom:1px solid var(--ins-line);margin:26px 0;gap:30px;padding:25px 0}.ins-comparison-grid>div+div{border-left:1px solid var(--ins-line);padding-left:30px}.ins-comparison-grid h3{margin-top:0}.ins-comparison-grid p:last-child{margin-bottom:0}.ins-faq{border-bottom:1px solid var(--ins-line);padding:0}.ins-faq summary{padding:20px 0;cursor:pointer;font-weight:700;line-height:1.5}.ins-faq p{padding-bottom:12px}.ins-sources{padding-top:30px;border-top:1px solid var(--ins-line);font-size:13px;line-height:1.65}.ins-sources h2{font-size:30px}.ins-sources li{padding-left:4px;scroll-margin-top:130px}.ins-sources ol{padding-left:22px}.ins-sources a{overflow-wrap:anywhere}.ins-disclosure{font-size:12px;color:var(--ins-muted);line-height:1.65!important;border-top:1px solid var(--ins-line);padding:25px 0 35px}.ins-related{border-top:1px solid var(--ins-line);padding:40px 0;margin:20px 0}.ins-related h2{font-size:36px}.ins-related h2 a{text-decoration:none}.ins-related>p:not(.ins-kicker){color:var(--ins-muted)}.insights-page a:focus-visible,.insights-page summary:focus-visible{outline:3px solid #007ca3;outline-offset:5px}.insights-page a:hover{text-decoration:underline;text-underline-offset:4px}
@media(max-width:900px){.ins-wrap{width:calc(100% - 40px)}.ins-hub-header{gap:35px}.ins-reading-layout{grid-template-columns:1fr;gap:32px}.ins-toc{position:static;display:flex;flex-wrap:wrap;gap:12px 22px;padding:20px 0;border-bottom:1px solid var(--ins-line)}.ins-toc p{width:100%}.ins-prose{max-width:760px;margin:0 auto}.ins-resources{gap:40px}.ins-cta{gap:35px;padding:32px}.ins-feature-image>img{height:360px}}
@media(max-width:600px){.ins-wrap{width:calc(100% - 36px)}.ins-hub-header{grid-template-columns:1fr;gap:10px;padding:22px 0 40px}.ins-hub-header h1{font-size:66px}.ins-section-label{display:block}.ins-section-label>span{display:block;margin-top:12px}.ins-card-grid{grid-template-columns:1fr;gap:26px}.ins-card>div{padding:25px}.ins-resources{grid-template-columns:1fr;gap:20px;padding:48px 0}.ins-cta{grid-template-columns:1fr;gap:18px;padding:28px 24px;margin-bottom:48px}.ins-article-header{padding:22px 0 30px}.ins-article-header h1{font-size:50px}.ins-article-header .ins-deck{font-size:20px}.ins-feature-image{margin-bottom:25px}.ins-feature-image>img{height:230px}.ins-feature-image.ins-comparison>img{height:auto}.ins-prose{font-size:16px}.ins-prose h2{font-size:34px}.ins-prose section{margin-bottom:38px}.ins-comparison-grid{grid-template-columns:1fr;gap:22px}.ins-comparison-grid>div+div{border-left:0;border-top:1px solid var(--ins-line);padding-left:0;padding-top:24px}.ins-prose blockquote{font-size:21px}.ins-callout{padding:23px}.ins-related h2{font-size:32px}.ins-card-meta{flex-wrap:wrap}.ins-toc{font-size:12px}.ins-breadcrumb{font-size:11px;gap:9px}.ins-author{font-size:11px}}
@media(prefers-reduced-motion:reduce){.insights-page{scroll-behavior:auto}}

/* Thread masthead: retain the full chosen title at readable mobile sizes. */
.insights-page .ins-hub-header h1{font-size:clamp(46px,5vw,72px);overflow-wrap:normal}.ins-hub-header>div{min-width:0}

.ins-publication{border-left:5px solid #1764da;padding-left:25px}.ins-publication-logo{display:block;width:150px;height:auto;margin-bottom:24px;mix-blend-mode:multiply}.ins-publication h1 span{color:#1764da}.ins-publication .ins-kicker{color:#264664}.ins-publication h1{margin-bottom:0}.ins-hub-header>.ins-publication+div{padding-top:30px}@media(max-width:600px){.ins-publication{padding-left:18px;border-left-width:4px}.ins-publication-logo{width:130px;margin-bottom:20px}.insights-page .ins-hub-header h1{font-size:46px}.ins-hub-header>.ins-publication+div{padding-top:18px}}
