:root{
  --navy:#1E2761;--navy-deep:#141B4D;--copper:#C06633;--copper-hover:#A8572B;
  --ice-light:#EDF2FE;--white:#fff;--off-white:#FAFBFC;
  --gray-100:#F3F4F6;--gray-200:#E5E7EB;--gray-300:#D1D5DB;--gray-400:#9CA3AF;
  --gray-500:#6B7280;--gray-600:#4B5563;--gray-700:#374151;--gray-800:#1F2937;--gray-900:#111827;
  --font:'Inter',system-ui,-apple-system,sans-serif;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{font-family:var(--font);color:var(--gray-800);line-height:1.7;background:var(--white);-webkit-font-smoothing:antialiased;}
a{color:var(--copper);text-decoration:none;}
a:hover{color:var(--copper-hover);}

.nav{background:var(--navy);position:sticky;top:0;z-index:100;}
.nav-inner{max-width:920px;margin:0 auto;padding:0 1.5rem;height:64px;display:flex;align-items:center;justify-content:space-between;}
.nav-logo{font-size:1.2rem;font-weight:800;color:#fff;letter-spacing:1.2px;}
.nav-logo .mark{color:var(--copper);}
.nav-links{display:flex;gap:1.5rem;list-style:none;}
.nav-links a{color:rgba(255,255,255,.78);font-size:.85rem;font-weight:500;}
.nav-links a:hover{color:#fff;}

.article-wrap{max-width:760px;margin:0 auto;padding:3.5rem 1.5rem 4rem;}
.breadcrumb{font-size:.8rem;color:var(--gray-400);margin-bottom:1.5rem;}
.breadcrumb a{color:var(--gray-500);}
.breadcrumb a:hover{color:var(--copper);}
.article-kicker{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:1.5px;color:var(--copper);margin-bottom:1rem;}
.article-wrap h1{font-size:2.4rem;font-weight:800;color:var(--navy);line-height:1.15;letter-spacing:-.5px;margin-bottom:1rem;}
.article-meta{font-size:.85rem;color:var(--gray-400);margin-bottom:2.5rem;padding-bottom:2rem;border-bottom:1px solid var(--gray-200);}
.article-wrap h2{font-size:1.6rem;font-weight:800;color:var(--navy);margin:2.5rem 0 1rem;line-height:1.25;}
.article-wrap h3{font-size:1.2rem;font-weight:700;color:var(--navy);margin:1.75rem 0 .75rem;}
.article-wrap p{margin-bottom:1.25rem;color:var(--gray-700);font-size:1.02rem;}
.article-wrap ul,.article-wrap ol{margin:0 0 1.25rem 1.25rem;}
.article-wrap li{margin-bottom:.6rem;color:var(--gray-700);font-size:1.02rem;}
.article-wrap strong{color:var(--gray-900);}
.lead{font-size:1.18rem;color:var(--gray-600);line-height:1.65;margin-bottom:2rem;}
.callout{background:var(--ice-light);border-left:3px solid var(--copper);border-radius:0 8px 8px 0;padding:1.25rem 1.5rem;margin:2rem 0;}
.callout p{margin:0;font-size:.98rem;color:var(--navy);}
.tldr{background:var(--off-white);border:1px solid var(--gray-200);border-radius:12px;padding:1.5rem 1.75rem;margin:0 0 2.5rem;}
.tldr h2{font-size:.8rem;text-transform:uppercase;letter-spacing:1px;color:var(--copper);margin:0 0 .75rem;}
.tldr p{margin:0;font-size:.98rem;color:var(--gray-600);}
.cta-box{background:linear-gradient(135deg,var(--navy),var(--navy-deep));border-radius:16px;padding:2.5rem;text-align:center;margin:3rem 0 0;}
.cta-box h2{color:#fff;font-size:1.5rem;margin:0 0 .75rem;}
.cta-box p{color:rgba(255,255,255,.7);margin:0 0 1.5rem;font-size:.98rem;}
.cta-box a{display:inline-block;padding:13px 28px;background:var(--copper);color:#fff;border-radius:8px;font-weight:600;font-size:.95rem;}
.cta-box a:hover{background:var(--copper-hover);color:#fff;}
.related{margin-top:3rem;padding-top:2rem;border-top:1px solid var(--gray-200);}
.related h3{font-size:.8rem;text-transform:uppercase;letter-spacing:1px;color:var(--gray-400);margin-bottom:1rem;}
.related a{display:block;font-weight:600;margin-bottom:.6rem;}

.footer{background:var(--gray-900);color:rgba(255,255,255,.5);padding:2.5rem 1.5rem;text-align:center;font-size:.8rem;}
.footer a{color:rgba(255,255,255,.6);}
.footer a:hover{color:var(--copper);}

/* Insights hub */
.hub-head{background:linear-gradient(145deg,var(--navy),var(--navy-deep));padding:4rem 1.5rem 3.5rem;text-align:center;color:#fff;}
.hub-head h1{font-size:2.4rem;font-weight:800;margin-bottom:.75rem;letter-spacing:-.5px;}
.hub-head p{color:rgba(255,255,255,.7);max-width:560px;margin:0 auto;font-size:1.05rem;}
.hub-grid{max-width:920px;margin:0 auto;padding:3rem 1.5rem 4rem;display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem;}
.hub-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--gray-200);border-radius:14px;padding:1.75rem;transition:all .2s;}
.hub-card:hover{box-shadow:0 8px 30px rgba(0,0,0,.06);transform:translateY(-3px);border-color:var(--copper);}
.hub-kicker{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--copper);margin-bottom:.6rem;}
.hub-card h2{font-size:1.2rem;color:var(--navy);margin-bottom:.6rem;line-height:1.3;}
.hub-card p{font-size:.9rem;color:var(--gray-500);flex:1;margin-bottom:1rem;}
.hub-card a.more{font-size:.85rem;font-weight:600;color:var(--copper);}

@media(max-width:680px){
  .nav-links{display:none;}
  .article-wrap h1{font-size:1.8rem;}
  .hub-grid{grid-template-columns:1fr;}
}