:root {
  --bg: #f8f8f5;
  --surface: #fff;
  --surface-2: #f1f1ee;
  --border: rgba(10, 10, 18, .1);
  --border-strong: rgba(10, 10, 18, .2);
  --ink: #0a0a12;
  --muted: rgba(10, 10, 18, .62);
  --faint: rgba(10, 10, 18, .42);
  --blue: #2563eb;
  --deep-blue: #0d2463;
  --display: 'Syne', system-ui, sans-serif;
  --body: 'DM Sans', system-ui, sans-serif;
  --mono: 'DM Mono', monospace;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--bg); color: var(--ink); font-family: var(--body); line-height: 1.65; -webkit-font-smoothing: antialiased; }
a { color: inherit; }
.skip-link { position: fixed; top: 8px; left: 8px; z-index: 999; padding: 10px 14px; background: var(--ink); color: #fff; transform: translateY(-160%); }
.skip-link:focus { transform: none; }
.nav { position: sticky; top: 0; z-index: 20; border-bottom: 1px solid var(--border); background: rgba(248, 248, 245, .94); backdrop-filter: blur(16px); }
.nav-inner { width: min(1180px, calc(100% - 48px)); min-height: 64px; margin: auto; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 10px; font: 650 15px var(--display); text-decoration: none; }
.brand-mark { width: 28px; height: 28px; }
.brand span span { color: var(--blue); }
.nav-links { display: flex; align-items: center; gap: 28px; margin: 0; padding: 0; list-style: none; }
.nav-links a { color: var(--muted); font-size: 13px; text-decoration: none; }
.nav-links a[aria-current="page"], .nav-links a:hover { color: var(--ink); }
.nav-links .button { padding: 9px 16px; background: var(--ink); color: #fff; font: 500 10px var(--mono); letter-spacing: .08em; text-transform: uppercase; }
.shell { width: min(1180px, calc(100% - 48px)); margin: auto; }
.crumbs { margin: 0 0 34px; color: var(--faint); font: 500 10px var(--mono); letter-spacing: .1em; text-transform: uppercase; }
.crumbs a { color: var(--blue); text-underline-offset: 3px; }
.insights-hero { padding: 108px 0 78px; border-bottom: 1px solid var(--border); }
.eyebrow { margin: 0 0 18px; color: var(--blue); font: 500 10px var(--mono); letter-spacing: .17em; text-transform: uppercase; }
.insights-hero h1, .article-hero h1 { max-width: 880px; margin: 0; font: 700 clamp(46px, 7.4vw, 92px)/.96 var(--display); letter-spacing: -.045em; }
.hero-lede { max-width: 680px; margin: 28px 0 0; color: var(--muted); font-size: clamp(17px, 2vw, 21px); }
.feature-grid { display: grid; grid-template-columns: 1.35fr .65fr; gap: 22px; padding: 72px 0; }
.feature-card, .topic-card { display: flex; flex-direction: column; border: 1px solid var(--border-strong); background: var(--surface); text-decoration: none; transition: transform .2s, border-color .2s; }
.feature-card:hover, .topic-card:hover { transform: translateY(-3px); border-color: var(--blue); }
.feature-card { min-height: 440px; padding: clamp(28px, 5vw, 58px); justify-content: space-between; background: var(--deep-blue); color: #fff; }
.feature-card .eyebrow { color: #93c5fd; }
.feature-card h2 { max-width: 670px; margin: 0; font: 680 clamp(34px, 4vw, 58px)/1.03 var(--display); letter-spacing: -.035em; }
.feature-card p { max-width: 620px; color: rgba(255,255,255,.72); }
.feature-meta { display: flex; flex-wrap: wrap; gap: 10px 24px; color: rgba(255,255,255,.58); font: 500 10px var(--mono); letter-spacing: .08em; text-transform: uppercase; }
.topics { display: grid; gap: 22px; }
.topic-card { padding: 28px; }
.topic-card h2 { margin: 8px 0 10px; font: 650 25px/1.1 var(--display); letter-spacing: -.025em; }
.topic-card p { margin: 0; color: var(--muted); font-size: 14px; }
.topic-card .link { margin-top: auto; padding-top: 22px; color: var(--blue); font: 500 10px var(--mono); letter-spacing: .09em; text-transform: uppercase; }
.article-hero { padding: 86px 0 64px; border-bottom: 1px solid var(--border); }
.article-hero h1 { max-width: 980px; font-size: clamp(42px, 6.2vw, 78px); }
.article-dek { max-width: 760px; margin: 28px 0 22px; color: var(--muted); font-size: clamp(18px, 2vw, 21px); }
.byline { color: var(--faint); font: 500 10px var(--mono); letter-spacing: .07em; text-transform: uppercase; }
.article-layout { display: grid; grid-template-columns: 220px minmax(0, 740px); gap: clamp(48px, 7vw, 100px); justify-content: center; padding: 66px 0 110px; }
.toc { position: sticky; top: 92px; align-self: start; }
.toc strong { display: block; margin-bottom: 16px; font: 600 10px var(--mono); letter-spacing: .12em; text-transform: uppercase; }
.toc ol { margin: 0; padding-left: 18px; color: var(--faint); font-size: 12px; }
.toc li { margin: 0 0 11px; }
.toc a { text-decoration: none; }
.toc a:hover { color: var(--blue); }
.prose { min-width: 0; }
.prose > :first-child { margin-top: 0; }
.prose h2 { scroll-margin-top: 90px; margin: 64px 0 20px; font: 680 clamp(29px, 4vw, 42px)/1.08 var(--display); letter-spacing: -.03em; }
.prose h3 { margin: 34px 0 10px; font: 650 21px/1.2 var(--display); letter-spacing: -.02em; }
.prose p, .prose li { color: var(--muted); font-size: 17px; }
.prose a { color: var(--deep-blue); text-decoration-color: rgba(37,99,235,.35); text-underline-offset: 3px; }
.prose a:hover { text-decoration-color: var(--blue); }
.prose ul, .prose ol { padding-left: 24px; }
.prose li { margin: 8px 0; }
.answer-box { padding: 28px; border-left: 4px solid var(--blue); background: #eaf1ff; }
.answer-box strong { display: block; margin-bottom: 8px; font: 650 17px var(--display); }
.answer-box p { margin: 0; color: #25324b; }
.decision { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 28px 0; }
.decision > div { padding: 24px; border: 1px solid var(--border-strong); background: var(--surface); }
.decision h3 { margin-top: 0; }
.table-wrap { overflow-x: auto; margin: 26px 0; border: 1px solid var(--border-strong); }
table { width: 100%; min-width: 640px; border-collapse: collapse; background: var(--surface); }
th, td { padding: 16px; border-bottom: 1px solid var(--border); text-align: left; vertical-align: top; }
th { background: var(--surface-2); font: 600 10px var(--mono); letter-spacing: .08em; text-transform: uppercase; }
td { color: var(--muted); font-size: 14px; }
tr:last-child td { border-bottom: 0; }
.case-note { margin: 34px 0; padding: 30px; background: var(--ink); color: #fff; }
.case-note .eyebrow { color: #93c5fd; }
.case-note h3 { margin-top: 0; }
.case-note p { color: rgba(255,255,255,.72); }
.case-note a { color: #bfdbfe; }
.faq { border-top: 1px solid var(--border-strong); }
.faq details { padding: 20px 0; border-bottom: 1px solid var(--border); }
.faq summary { cursor: pointer; font: 600 17px var(--display); }
.faq p { margin-bottom: 0; }
.article-cta { margin-top: 70px; padding: 42px; background: var(--deep-blue); color: #fff; }
.article-cta h2 { margin-top: 0; color: #fff; }
.article-cta p { color: rgba(255,255,255,.72); }
.article-cta a { display: inline-block; margin-top: 10px; padding: 12px 18px; background: #fff; color: var(--deep-blue); font: 600 10px var(--mono); letter-spacing: .09em; text-decoration: none; text-transform: uppercase; }
footer { padding: 42px 0; border-top: 1px solid var(--border); }
.footer-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.footer-links { display: flex; flex-wrap: wrap; gap: 18px; margin: 0; padding: 0; list-style: none; }
.footer-links a, .copyright { color: var(--faint); font: 500 10px var(--mono); letter-spacing: .07em; text-decoration: none; text-transform: uppercase; }
@media (max-width: 800px) {
  .nav-inner, .shell { width: min(100% - 32px, 1180px); }
  .nav-links li:not(:last-child) { display: none; }
  .feature-grid, .article-layout { grid-template-columns: 1fr; }
  .feature-card { min-height: 390px; }
  .toc { position: static; padding-bottom: 28px; border-bottom: 1px solid var(--border); }
  .decision { grid-template-columns: 1fr; }
  .footer-inner { align-items: flex-start; flex-direction: column; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; } }