:root{--navy:#10273a;--navy2:#173a54;--orange:#f28c28;--orange2:#d86f0c;--cream:#f6f3ed;--paper:#fffdf9;--ink:#17232d;--body:#4b5862;--line:#d9e0e5;--soft:#f2f5f6;--shadow:0 12px 30px rgba(15,37,54,.12);--radius:16px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--body);line-height:1.65;background:var(--paper)}a{color:var(--navy2)}a:hover{text-decoration-thickness:2px}.wrap{width:min(1180px,calc(100% - 2rem));margin:auto}.skip{position:absolute;left:-999px;top:0;background:#fff;color:#111;padding:.7rem;z-index:999}.skip:focus{left:.7rem;top:.7rem}.utility{background:var(--navy);color:#fff;font-size:.9rem;border-bottom:4px solid var(--orange)}.utility .wrap{display:flex;justify-content:space-between;gap:1rem;align-items:center;min-height:40px}.utility a{color:#fff;text-decoration:none;font-weight:700}.site-header{background:#fff;position:sticky;top:0;z-index:50;border-bottom:1px solid var(--line);box-shadow:0 3px 12px rgba(0,0,0,.05)}.navwrap{display:flex;justify-content:space-between;align-items:center;gap:1rem;min-height:82px}.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none}.brand-mark{font-weight:950;font-size:1.42rem;letter-spacing:.025em;color:var(--navy);line-height:1}.brand-mark b{color:var(--orange)}.brand-sub{font-size:.67rem;font-weight:800;letter-spacing:.105em;color:#5e6b73;text-transform:uppercase;margin-top:.28rem}.nav{display:flex;align-items:center;gap:.12rem}.nav a{font-size:.9rem;font-weight:800;text-decoration:none;color:#263b49;padding:.72rem .58rem;border-radius:8px;white-space:nowrap}.nav a:hover,.nav a[aria-current=page]{background:#f5eee5;color:var(--navy)}.nav .cta{background:var(--orange);color:#17232d}.nav .cta:hover{background:#ffad54}.menu{display:none;border:2px solid var(--navy);background:#fff;color:var(--navy);font-weight:800;border-radius:8px;padding:.55rem .7rem}.brand-band{height:7px;background:linear-gradient(90deg,var(--navy) 0 55%,var(--orange) 55% 100%)}
.hero{background:linear-gradient(115deg,var(--navy),var(--navy2));color:#fff;padding:4.8rem 0}.hero .eyebrow,.hero-mini .kicker{color:#ffc77c;font-size:.79rem;letter-spacing:.11em;text-transform:uppercase;font-weight:900}.hero h1{font-size:clamp(2.6rem,6vw,5.2rem);line-height:1;margin:.4rem 0 1.2rem;max-width:850px;letter-spacing:-.04em}.hero p{font-size:1.2rem;max-width:830px;color:#eef5f8}.btns{display:flex;gap:.75rem;flex-wrap:wrap;margin-top:1.5rem}.btn{display:inline-flex;text-decoration:none;align-items:center;justify-content:center;border-radius:8px;padding:.82rem 1.05rem;font-weight:900;border:2px solid transparent}.btn-orange{background:var(--orange);color:#18232b}.btn-orange:hover{background:#ffa345}.btn-light{background:#fff;color:var(--navy)}.btn-outline{border-color:var(--navy);background:#fff;color:var(--navy)}.btn-navy{background:var(--navy);color:#fff}.section{padding:4rem 0}.section-soft{background:var(--cream)}.kicker{color:var(--orange2);font-size:.79rem;letter-spacing:.11em;text-transform:uppercase;font-weight:900}.section h2{font-size:clamp(1.8rem,4vw,2.65rem);line-height:1.14;color:var(--ink);margin:.15rem 0 .85rem}.lead{font-size:1.12rem;max-width:860px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:1.4rem}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.35rem;box-shadow:var(--shadow)}.card h3{color:var(--ink);line-height:1.25;margin:.1rem 0 .5rem}.stat{font-size:2rem;font-weight:950;color:var(--navy)}.notice{border-left:5px solid var(--orange);padding:1rem 1.1rem;background:#fff7ed;border-radius:8px}.checklist{padding-left:1.25rem}.checklist li{margin:.5rem 0}.page-hero{background:linear-gradient(112deg,var(--navy),var(--navy2));color:#fff;padding:3.7rem 0;border-bottom:4px solid var(--orange)}.page-hero h1{font-size:clamp(2.3rem,5vw,4rem);line-height:1.05;margin:.25rem 0 .8rem}.page-hero p{font-size:1.12rem;max-width:800px}.footer{background:var(--navy);color:#dce5ea;padding:3rem 0 1.2rem;border-top:7px solid var(--orange)}.footer a{color:#fff}.footer h3{color:#fff}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:2rem}.footer-brand{font-size:1.5rem;color:#fff;font-weight:950}.footer-brand b{color:var(--orange)}.footer-bottom{border-top:1px solid rgba(255,255,255,.18);padding-top:1rem;margin-top:2rem;font-size:.88rem}.fine{font-size:.87rem;color:#687680}
/* Source-matched article content system with MNPaid shell colors */
.hero-mini{background:linear-gradient(110deg,var(--navy),var(--navy2));color:#fff;padding:3.5rem 0;border-bottom:4px solid var(--orange)}.hero-mini .kicker{color:#ffc77c}.hero-mini h1{font-size:clamp(2.2rem,5vw,4rem);line-height:1.05;margin:.2rem 0;color:#fff;letter-spacing:-.025em}.hero-mini p{max-width:800px;font-size:1.1rem;margin-bottom:0;color:#fff}.article-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.4rem}.article-card{display:flex;flex-direction:column;color:var(--body);cursor:pointer;text-decoration:none!important;background:#fff;border:1px solid var(--line);border-radius:18px;padding:1.4rem;box-shadow:var(--shadow);transition:.18s ease}.article-card:hover{background:#f2f3f4;border-color:#8e989f;box-shadow:0 14px 34px rgba(15,37,54,.16)}.article-card h3{font-size:1.16rem;line-height:1.3;margin:.12rem 0 .72rem;color:var(--navy);text-decoration:none}.article-category{display:block;color:var(--orange2);text-transform:uppercase;font-weight:900;letter-spacing:.08em;font-size:.76rem;margin-bottom:.2rem}.article-card-image{display:block;width:100%;height:112px!important;min-height:112px;max-height:112px;object-fit:cover;object-position:center;border-radius:.48rem;margin:0 0 .9rem;background:var(--soft)}.article-summary{margin:.08rem 0 .85rem}.article-meta{margin:auto 0 0;color:#686f74;font-size:.88rem;font-weight:500}.article-card:hover h3{color:var(--orange2)}
.article-breadcrumb-bar{background:var(--navy);color:#fff;padding:.5rem 0;border-bottom:3px solid var(--orange)}.article-breadcrumb{display:flex;gap:.6rem;align-items:center;font-size:.92rem}.article-breadcrumb a{color:#fff;font-weight:750}.article-page{background:#f4f6f7;padding:2.5rem 0 4rem}.article-page-container{max-width:980px}.article-shell{background:#fff;border:1px solid #d7dee2;border-radius:14px;overflow:hidden;box-shadow:var(--shadow)}.article-detail-header{padding:2rem 2rem 0}.article-detail-category{color:var(--orange2);text-transform:uppercase;font-weight:900;letter-spacing:.09em;font-size:.8rem}.article-detail-header h1{color:var(--navy);font-size:clamp(2rem,5vw,3.55rem);line-height:1.08;letter-spacing:-.035em;margin:.35rem 0 .7rem}.article-detail-summary{font-size:1.16rem;color:#56626b;max-width:850px}.article-detail-image{width:100%;aspect-ratio:16/9;height:auto;min-height:0;max-height:none;object-fit:cover;object-position:center;border-radius:.48rem;background:var(--soft)}.article-detail-meta{display:flex;gap:.6rem;flex-wrap:wrap;color:#6a7378;font-size:.9rem;padding:.75rem 0 1rem}.article-body{padding:0 2rem 2rem;font-size:1.04rem}.article-body h2{color:var(--navy);font-size:1.6rem;line-height:1.22;margin:2rem 0 .65rem}.article-body h3{color:var(--ink)}.source-box{margin-top:2rem;background:#f5f1ea;border-left:5px solid var(--orange);padding:1rem 1.15rem;border-radius:8px}.express-article-ad{margin:1.75rem 0 0;border:2px solid var(--orange);border-radius:12px;overflow:hidden;background:#fff;box-shadow:0 10px 28px rgba(15,37,54,.14)}.express-ad-head{background:var(--navy);color:#fff;padding:1rem 1.35rem}.express-ad-head small{font-size:.78rem;font-weight:900;letter-spacing:.09em;text-transform:uppercase;color:#ffc77c}.express-ad-head h2{margin:.28rem 0 0;color:#fff;font-size:1.55rem;line-height:1.2}.express-ad-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr))}.express-ad-cell{padding:1.35rem}.express-ad-cell:first-child{border-right:1px solid #d7e2e9}.express-ad-cell strong{display:block;color:var(--navy);font-size:1.08rem;margin-bottom:.35rem}.express-ad-foot{padding:.8rem 1.35rem;background:#f7efe4;color:#33434d;font-size:.92rem;border-top:1px solid #e1d6c7}
@media(max-width:1050px){.menu{display:block}.nav{display:none;position:absolute;top:122px;left:1rem;right:1rem;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);padding:.75rem;flex-direction:column;align-items:stretch}.nav.open{display:flex}.nav a{padding:.75rem}.utility .wrap{font-size:.82rem}.grid-3{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.article-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:680px){.utility .wrap{flex-direction:column;align-items:flex-start;padding:.45rem 0;gap:.15rem}.grid-3,.grid-2,.footer-grid,.article-grid,.express-ad-grid{grid-template-columns:1fr}.express-ad-cell:first-child{border-right:0;border-bottom:1px solid #d7e2e9}.article-detail-header,.article-body{padding-left:1.1rem;padding-right:1.1rem}.hero{padding:3.8rem 0}.nav{top:139px}}