.insight-hero{padding:56px 0 38px;background:radial-gradient(circle at 88% 10%,rgba(18,184,166,.14),transparent 30%),linear-gradient(135deg,#f8fbfd,#f2f8fb 58%,#eef8f5)}.insight-hero h1{font-size:clamp(38px,5vw,62px);max-width:920px;margin:10px 0 16px}.insight-hero .lead{max-width:820px;font-size:18px;line-height:1.65;color:#526c80}.insight-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.insight-card{display:flex;flex-direction:column;gap:10px;background:#fff;border:1px solid #cfe0ea;border-radius:20px;padding:24px;box-shadow:0 10px 28px rgba(8,47,82,.06);text-decoration:none;transition:.2s ease}.insight-card:hover{transform:translateY(-3px);box-shadow:0 18px 42px rgba(8,47,82,.11)}.insight-card .tag{font-size:11px;font-weight:900;letter-spacing:.1em;text-transform:uppercase;color:#ff6b13}.insight-card h2,.insight-card h3{margin:0;color:#0d2e4b}.insight-card p{margin:0;color:#60788a;font-size:14px;line-height:1.65}.insight-card .read{margin-top:auto;padding-top:8px;font-weight:850;color:#0b5e8e}.article-wrap{max-width:860px;margin:auto}.article-meta{display:flex;flex-wrap:wrap;gap:10px 18px;color:#6a8090;font-size:13px;margin:10px 0 22px}.article-body{font-size:17px;line-height:1.8;color:#334f63}.article-body h2{font-size:clamp(28px,4vw,38px);margin:42px 0 14px;color:#0d2e4b}.article-body h3{font-size:22px;margin:28px 0 10px}.article-body p{margin:0 0 18px}.article-body ul,.article-body ol{padding-left:24px;margin:0 0 22px}.article-body li{margin:8px 0}.article-body .callout{background:#eef8f5;border:1px solid #c7e4de;border-radius:18px;padding:20px 22px;margin:28px 0;color:#214f4b}.article-body .callout strong{color:#075f58}.toc{background:#fff;border:1px solid #cfe0ea;border-radius:18px;padding:20px 22px;margin:26px 0}.toc b{display:block;margin-bottom:8px;color:#0d2e4b}.toc a{display:block;padding:4px 0;color:#0b5e8e}.related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.related-grid a{background:#fff;border:1px solid #cfe0ea;border-radius:16px;padding:18px;text-decoration:none;color:#0d2e4b;font-weight:800}.faq-article details{background:#fff;border:1px solid #cfe0ea;border-radius:16px;padding:18px 20px;margin:10px 0}.faq-article summary{cursor:pointer;font-weight:850;color:#0d2e4b}.faq-article p{margin:12px 0 0;color:#60788a}.insight-breadcrumb{font-size:13px;color:#708696;margin-bottom:12px}.insight-breadcrumb a{color:#0b5e8e}.article-cta{margin:42px 0 0;background:linear-gradient(125deg,#072d50,#08739d 55%,#10a799);border-radius:22px;padding:28px;color:#fff}.article-cta h2{color:#fff;margin:0 0 10px}.article-cta p{color:#e2f0f4;margin:0 0 18px}.article-cta .btn{margin-right:8px}.insight-section{padding:48px 0 72px}.article-section{padding:36px 0 72px}.updated{font-size:12px;color:#738897}@media(max-width:900px){.insight-grid{grid-template-columns:repeat(2,1fr)}.related-grid{grid-template-columns:1fr}}@media(max-width:640px){.insight-grid{grid-template-columns:1fr}.insight-hero{padding:40px 0 30px}.insight-hero h1{font-size:clamp(34px,11vw,46px)}.insight-hero .lead{font-size:16px}.article-body{font-size:16px}.article-cta{padding:22px}.article-cta .btn{display:block;margin:8px 0;width:100%;text-align:center}}