:root{
  --teal:#08a7b7;--teal-dark:#087887;--teal-deep:#005d69;--ink:#0b2530;--ink-2:#183a43;
  --paper:#f7f8f5;--mist:#edf4f3;--line:#d8e2df;--white:#fff;--muted:#687b80;--lime:#d9ef7d;
  --radius:24px;--shadow:0 22px 60px rgba(5,42,49,.13);--container:min(1180px,calc(100% - 48px));
}

*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:#fff;font-family:Arial,"Helvetica Neue",sans-serif;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}.container{width:var(--container);margin:auto}.skip-link{position:fixed;left:12px;top:-70px;z-index:9999;padding:12px 16px;background:#fff;border-radius:8px}.skip-link:focus{top:12px}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #f0c84b;outline-offset:4px}
.utility-bar{background:var(--ink);color:#dbe8e9;font-size:12px}.utility-inner{height:34px;display:flex;align-items:center;justify-content:space-between}.utility-inner p{margin:0}.utility-inner nav{display:flex;gap:24px}.utility-inner a:hover{color:#fff}
.nav-wrap{position:relative;background:rgba(255,255,255,.96);border-bottom:1px solid rgba(12,53,61,.08);z-index:20}.site-header{position:sticky;top:0;z-index:50}.nav-inner{min-height:78px;display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:36px}.brand{display:flex;align-items:center;gap:11px;font-family:Arial,"Helvetica Neue",sans-serif}.brand-word{font-size:25px;font-weight:600;letter-spacing:-1.3px}.brand-word span{font-weight:800}.brand-mark{position:relative;width:34px;height:34px;display:inline-grid;place-items:center}.brand-mark:after,.brand-mark:before,.brand-mark i{content:"";position:absolute;background:var(--teal);border-radius:10px}.brand-mark:before{width:30px;height:7px;transform:rotate(45deg)}.brand-mark:after{width:30px;height:7px;transform:rotate(-45deg)}.brand-mark i:nth-child(1),.brand-mark i:nth-child(2){width:7px;height:10px;top:0}.brand-mark i:nth-child(3),.brand-mark i:nth-child(4){width:7px;height:10px;bottom:0}.brand-mark i:nth-child(1){left:5px}.brand-mark i:nth-child(2){right:5px}.brand-mark i:nth-child(3){left:5px}.brand-mark i:nth-child(4){right:5px}.primary-nav{display:flex;justify-content:center;gap:28px;font-size:14px;font-weight:600}.primary-nav a{position:relative;padding:28px 0}.primary-nav a:after{content:"";position:absolute;left:0;right:100%;bottom:19px;height:2px;background:var(--teal);transition:.25s}.primary-nav a:hover:after{right:0}.nav-actions{display:flex;align-items:center;gap:16px}.text-link{font-size:14px;font-weight:700}.button{min-height:50px;padding:0 22px;border-radius:999px;display:inline-flex;align-items:center;justify-content:center;gap:9px;font-weight:700;font-size:14px;transition:transform .2s,box-shadow .2s,background .2s}.button:hover{transform:translateY(-2px)}.button-sm{min-height:42px;padding:0 18px}.button-dark{background:var(--ink);color:#fff}.button-dark:hover{box-shadow:0 10px 24px rgba(11,37,48,.2)}.button-light{background:#fff;color:var(--ink)}.button-ghost{border:1px solid rgba(255,255,255,.5);color:#fff}.button-teal{background:var(--teal);color:#fff}.menu-toggle{display:none;border:0;background:transparent;width:44px;height:44px;padding:10px}.menu-toggle span{display:block;height:2px;background:var(--ink);margin:5px 0}
.eyebrow{display:block;font-size:12px;font-weight:800;letter-spacing:.14em;color:var(--teal-dark);margin-bottom:20px}.eyebrow.light{color:#9ee9ef}
.section{padding:112px 0}
.arrow-link{font-weight:800;font-size:14px;display:inline-flex;align-items:center;gap:10px}.arrow-link span{font-size:18px}.arrow-link.light{color:#fff}
.site-footer{background:#071e25;color:#fff;padding:70px 0 26px}.footer-top{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:50px;padding-bottom:55px}.brand.inverse .brand-word{color:#fff}.footer-brand p{color:#9eb6ba;font-size:14px;margin:20px 0}.phone-link{font:700 20px Arial,"Helvetica Neue",sans-serif}.footer-col{display:flex;flex-direction:column;gap:11px}.footer-col strong{font-size:12px;letter-spacing:.12em;color:#7fe0e6;margin-bottom:8px}.footer-col a{color:#c4d5d8;font-size:13px}.footer-col a:hover{color:#fff}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:24px;display:flex;justify-content:space-between;gap:30px;color:#769196;font-size:11px;line-height:1.5}.footer-bottom p{margin:0;max-width:760px}.footer-bottom div{display:flex;gap:18px}
.reveal{opacity:0;transform:translateY(22px);transition:opacity .75s ease,transform .75s ease}.reveal.in{opacity:1;transform:none}.delay-1{transition-delay:.08s}.delay-2{transition-delay:.15s}.delay-3{transition-delay:.22s}
.cookie-banner{position:fixed;z-index:1000;left:24px;right:24px;bottom:24px;max-width:1120px;margin:auto;padding:22px 24px;display:flex;align-items:center;justify-content:space-between;gap:32px;background:#fff;color:var(--ink);border:1px solid var(--line);border-radius:18px;box-shadow:0 22px 65px rgba(3,31,39,.24);opacity:0;transform:translateY(24px);transition:opacity .18s ease,transform .18s ease}.cookie-banner--visible{opacity:1;transform:none}.cookie-banner--closing{opacity:0;transform:translateY(16px)}.cookie-banner__copy{max-width:700px}.cookie-banner__copy strong{display:block;font-size:17px;margin-bottom:6px}.cookie-banner__copy p{margin:0;color:var(--muted);font-size:13px;line-height:1.55}.cookie-banner__copy a{display:inline-block;margin-top:7px;color:var(--teal-deep);font-size:12px;font-weight:800;text-decoration:underline;text-underline-offset:3px}.cookie-banner__actions{display:flex;gap:10px;flex:0 0 auto}.cookie-button{min-height:44px;padding:0 18px;border-radius:999px;font:700 13px Arial,"Helvetica Neue",sans-serif;cursor:pointer;transition:transform .15s}.cookie-button--primary{border:1px solid var(--ink);background:var(--ink);color:#fff}.cookie-button--secondary{border:1px solid #b9c8c6;background:#fff;color:var(--ink)}.cookie-button:hover{transform:translateY(-1px)}
.article-sources{margin:42px 0 32px;padding:24px 26px;background:var(--mist);border:1px solid var(--line);border-radius:18px}.article-sources h2{margin:0 0 8px;font-size:24px}.article-sources p{margin:0 0 13px;color:var(--muted);font-size:13px}.article-sources ul{margin:0;padding-left:20px}.article-sources li+li{margin-top:8px}.article-sources a{color:var(--teal-deep);font-size:14px;font-weight:700;text-decoration:underline;text-underline-offset:3px}
.cookie-settings-link{padding:0;border:0;background:none;color:inherit;font:inherit;cursor:pointer}.cookie-settings-link:hover{color:#fff}.error-page{min-height:68vh;display:grid;align-items:center;padding:80px 0;background:var(--paper)}.error-card{max-width:760px}.error-code{display:block;margin-bottom:14px;color:var(--teal-dark);font-size:13px;font-weight:800;letter-spacing:.15em}.error-card h1{margin:0 0 20px;font:650 clamp(48px,7vw,82px)/.98 Arial,"Helvetica Neue",sans-serif;letter-spacing:-.055em}.error-card p{max-width:620px;margin:0 0 30px;color:var(--muted);font-size:17px;line-height:1.7}.error-actions{display:flex;gap:12px;flex-wrap:wrap}
@media(max-width:1050px){.primary-nav{display:none}.nav-inner{grid-template-columns:auto 1fr auto}.nav-actions{justify-self:end}.menu-toggle{display:block;justify-self:end}.nav-actions .text-link{display:none}.primary-nav.open{position:absolute;display:flex;top:78px;left:0;right:0;background:#fff;flex-direction:column;gap:0;padding:10px 24px 24px;border-bottom:1px solid var(--line);box-shadow:0 18px 32px rgba(0,0,0,.08)}.primary-nav.open a{padding:15px 0;border-bottom:1px solid #edf1ef}.hero-inner{align-items:flex-end}.hero-card{display:none}.trust-grid{grid-template-columns:1fr 1fr}.product-grid{grid-template-columns:1fr 1fr}.story-panel{grid-template-columns:1fr}.story-image{min-height:560px}.mortgage-grid,.wealth-grid,.digital-grid{grid-template-columns:1fr;gap:55px}.digital-copy{grid-row:1}.business-grid{grid-template-columns:1fr}.business-side{min-height:400px}.faq-grid{grid-template-columns:1fr;gap:30px}.footer-top{grid-template-columns:1.2fr 1fr 1fr}.footer-col:last-child{display:none}}
@media(max-width:720px){:root{--container:min(100% - 30px,1180px);--radius:20px}.utility-bar{display:none}.site-header{top:0}.nav-inner{min-height:68px;grid-template-columns:auto 1fr auto;gap:8px}.brand-word{font-size:22px}.nav-actions .button{display:none}.primary-nav.open{top:68px}.hero,.hero-inner{min-height:710px}.hero-inner{padding-top:65px}.hero-media{background-position:62% center}.hero-scrim{background:linear-gradient(90deg,rgba(3,31,39,.93),rgba(3,31,39,.58))}.hero h1{font-size:52px}.hero-copy>p{font-size:16px}.hero-actions{display:grid;grid-template-columns:1fr}.trust-grid{grid-template-columns:1fr 1fr}.trust-grid>div{padding:20px 15px;display:block}.trust-grid strong{font-size:20px;display:block;margin-bottom:3px}.section{padding:78px 0}.split-heading{grid-template-columns:1fr;gap:24px;margin-bottom:34px}.section-heading h2,.mortgage-copy h2,.wealth-copy h2{font-size:43px}.product-grid{grid-template-columns:1fr}.product-card{min-height:300px}.story-image{min-height:420px}.story-copy{padding:70px 24px}.story-copy h2{font-size:47px}.mortgage-grid{gap:42px}.check-list{grid-template-columns:1fr}.mortgage-visual{padding:0 0 55px 0}.mortgage-photo{height:460px}.float-card{left:16px;right:16px;width:auto}.phone-stage{min-height:540px;transform:scale(.9);margin:-25px 0}.digital{padding:75px 0}.digital-copy h2{font-size:46px}.business-main{min-height:540px}.business-card-copy{left:24px;right:24px;bottom:26px}.business-card-copy h3,.business-side h3{font-size:31px}.wealth-grid{gap:45px}.wealth-photo{height:460px}.quote-card{right:10px;left:10px;width:auto}.community{padding:80px 0}.community h2{font-size:46px}.community-actions,.cta-actions{display:grid;grid-template-columns:1fr}.cta-inner{display:block}.cta-band h2{font-size:43px;margin-bottom:28px}.footer-top{grid-template-columns:1fr 1fr;gap:40px}.footer-brand{grid-column:1/-1}.footer-bottom{display:block}.footer-bottom div{margin-top:16px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.reveal{opacity:1;transform:none;transition:none}.button,.product-card{transition:none}}


/* Legal pages */
.legal-hero{background:linear-gradient(135deg,#072a33 0%,#0a6672 100%);color:#fff;padding:94px 0 82px;position:relative;overflow:hidden}.legal-hero:after{content:"";position:absolute;width:520px;height:520px;border-radius:50%;right:-160px;top:-260px;background:rgba(255,255,255,.06)}.legal-hero .container{position:relative;z-index:1}.legal-kicker{display:inline-flex;align-items:center;gap:10px;font-size:11px;font-weight:800;letter-spacing:.14em;color:#9ee9ef;margin-bottom:20px}.legal-kicker:before{content:"";width:24px;height:1px;background:#9ee9ef}.legal-hero h1{font:700 clamp(48px,6vw,76px)/.98 Arial,"Helvetica Neue",sans-serif;letter-spacing:-.055em;margin:0 0 20px;max-width:900px}.legal-hero p{max-width:720px;margin:0;color:#d5e8ea;font-size:17px;line-height:1.7}.legal-meta{margin-top:30px;display:flex;gap:18px;flex-wrap:wrap;color:#b6d4d7;font-size:12px}.legal-shell{padding:86px 0 110px;background:#fff}.legal-layout{display:grid;grid-template-columns:260px minmax(0,760px);gap:80px;align-items:start}.legal-nav{position:sticky;top:132px;padding:24px;border:1px solid var(--line);border-radius:20px;background:var(--paper)}.legal-nav strong{display:block;font-size:11px;letter-spacing:.13em;color:var(--teal-dark);margin-bottom:14px}.legal-nav a{display:block;padding:10px 0;border-top:1px solid #dde7e4;font-size:13px;font-weight:650;color:#496269}.legal-nav a:hover{color:var(--teal-dark)}.legal-copy{font-size:15px;line-height:1.78;color:#40595f}.legal-copy>p:first-child{font-size:18px;line-height:1.75;color:#27454d}.legal-copy section{scroll-margin-top:130px;padding:0 0 36px;margin:0 0 34px;border-bottom:1px solid var(--line)}.legal-copy section:last-child{border-bottom:0;margin-bottom:0;padding-bottom:0}.legal-copy h2{font:700 31px/1.15 Arial,"Helvetica Neue",sans-serif;letter-spacing:-.035em;color:var(--ink);margin:0 0 15px}.legal-copy h3{font:700 18px/1.3 Arial,"Helvetica Neue",sans-serif;color:var(--ink);margin:24px 0 9px}.legal-copy p{margin:0 0 14px}.legal-copy ul{padding-left:19px;margin:10px 0 16px}.legal-copy li{margin:7px 0}.legal-note{background:var(--mist);border-radius:18px;padding:22px 24px;margin:26px 0;color:#38545a}.legal-note strong{color:var(--ink)}.legal-copy a{text-decoration:underline;text-decoration-color:#9acfd1;text-underline-offset:3px}.legal-copy a:hover{color:var(--teal-dark)}.legal-back{display:inline-flex;align-items:center;gap:8px;margin-top:34px;font-weight:800;font-size:13px;text-decoration:none!important}.legal-back span{color:var(--teal);font-size:18px}.legal-footer .footer-top{grid-template-columns:1.6fr 1fr 1fr 1fr}.legal-current{color:#fff!important}.legal-page .primary-nav a{padding:28px 0}.legal-page .site-header{position:sticky}
@media(max-width:900px){.legal-layout{grid-template-columns:1fr;gap:38px}.legal-nav{position:relative;top:auto;display:grid;grid-template-columns:repeat(2,1fr);gap:0 20px}.legal-nav strong{grid-column:1/-1}.legal-footer .footer-top{grid-template-columns:1fr 1fr}.legal-footer .footer-brand{grid-column:1/-1}}
@media(max-width:620px){.legal-hero{padding:72px 0 62px}.legal-shell{padding:62px 0 80px}.legal-nav{grid-template-columns:1fr}.legal-hero h1{font-size:46px}.legal-copy h2{font-size:27px}}


/* Independent informational-site identity */
.independent-notice{background:#fff7d8;border-bottom:1px solid #eadb9c;color:#31474d}
.independent-notice-inner{min-height:58px;display:flex;align-items:center;justify-content:space-between;gap:24px;font-size:12px;line-height:1.45}
.independent-notice-inner>div{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.independent-notice strong{font-family:Arial,"Helvetica Neue",sans-serif;color:#142f36}
.independent-notice a{font-weight:800;color:#0b6570;white-space:nowrap}
.guide-brand{gap:11px}
.guide-mark{display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:#0b9da9;color:white;font:800 17px/1 Arial,"Helvetica Neue",sans-serif;text-transform:lowercase}
.brand.inverse .guide-mark{background:#82e1e6;color:#06272f}
.brand-word small{font:800 9px/1 Arial,"Helvetica Neue",sans-serif;letter-spacing:.1em;text-transform:uppercase;color:#71878b;margin-left:6px;vertical-align:middle}
.brand.inverse .brand-word small{color:#8fb0b5}
.illustrative-label{position:absolute;top:28px;left:50%;transform:translateX(-50%);z-index:4;padding:7px 11px;border-radius:999px;background:rgba(255,255,255,.92);color:#315159;font-size:9px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;white-space:nowrap;box-shadow:0 8px 20px rgba(0,0,0,.12)}
.editor-note span{display:grid!important;place-items:center;width:40px;height:40px;border-radius:50%;background:#436f39;color:#fff!important;font:800 22px/1 Arial,"Helvetica Neue",sans-serif!important;margin-bottom:8px}
.official-contact{display:flex;flex-direction:column;align-items:flex-start;gap:4px;margin-top:14px}
.official-contact small{font-size:10px;letter-spacing:.08em;text-transform:uppercase;color:#7f9ba0;font-weight:800}
.footer-bottom strong{color:#b7d7da}
@media(max-width:720px){.independent-notice-inner{padding:12px 0;display:block}.independent-notice-inner a{display:inline-flex;margin-top:7px;white-space:normal}.brand-word small{display:block;margin:3px 0 0;font-size:7px}.illustrative-label{top:12px;font-size:8px}}

.wealth-links small{font-size:10px;font-weight:700;color:#789096;letter-spacing:.02em}

/* Editorial / information-blog layout */
.blog-home{background:#fbfcfa}.blog-home .site-header{position:sticky}.blog-hero{padding:72px 0 82px;background:#f4f7f4}.blog-hero-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:72px;align-items:center}.blog-hero-copy h1{font:700 clamp(52px,6vw,86px)/.96 Arial,"Helvetica Neue",sans-serif;letter-spacing:-.06em;margin:0 0 26px;max-width:620px}.blog-hero-copy h1 em{font-style:normal;color:var(--teal-dark)}.blog-hero-copy>p{font-size:18px;line-height:1.72;color:#50676c;max-width:560px;margin:0 0 28px}.hero-meta{display:flex;gap:8px;flex-wrap:wrap}.hero-meta span{padding:8px 12px;border:1px solid #d8e3df;border-radius:999px;background:#fff;font-size:11px;font-weight:700;color:#51696e}.featured-story{display:block;background:#fff;border:1px solid #e1e8e5;border-radius:28px;overflow:hidden;box-shadow:0 25px 70px rgba(8,48,55,.09);transition:.25s}.featured-story:hover{transform:translateY(-4px);box-shadow:0 30px 75px rgba(8,48,55,.13)}.featured-story-image{height:365px;background:url('alberta-rockies-new.webp') center/cover no-repeat}.featured-story-body{padding:32px 34px 30px}.article-category{font-size:10px;font-weight:800;letter-spacing:.15em;color:var(--teal-dark)}.featured-story h2{font:700 37px/1.07 Arial,"Helvetica Neue",sans-serif;letter-spacing:-.04em;margin:12px 0 13px}.featured-story p{margin:0;color:#62767a;font-size:15px;line-height:1.65}.article-meta{display:flex;align-items:center;gap:15px;margin-top:24px;padding-top:18px;border-top:1px solid #e3e9e6;color:#819094;font-size:11px}.article-meta b,.article-meta a{margin-left:auto;color:var(--ink);font-weight:800}.topic-bar{border-top:1px solid #e7ece9;border-bottom:1px solid #e7ece9;background:#fff}.topic-bar-inner{min-height:66px;display:flex;align-items:center;gap:10px;overflow-x:auto}.topic-bar-inner>span{font-size:11px;font-weight:800;letter-spacing:.1em;color:#839398;margin-right:8px}.topic-bar a{white-space:nowrap;padding:8px 13px;border-radius:999px;background:#f1f5f2;font-size:12px;font-weight:700}.topic-bar a:hover{background:#e4efeb}.editorial-section{background:#fff}.editorial-heading{display:grid;grid-template-columns:1.15fr .85fr;gap:80px;align-items:end;margin-bottom:44px}.editorial-heading h2,.reading-list-intro h2{font:700 clamp(42px,5vw,64px)/1.02 Arial,"Helvetica Neue",sans-serif;letter-spacing:-.055em;margin:0}.editorial-heading>p{margin:0 0 5px;color:#65787c;line-height:1.75;font-size:16px}.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.article-card{border:1px solid #e1e7e4;border-radius:22px;overflow:hidden;background:#fff;transition:.25s}.article-card:hover{transform:translateY(-4px);box-shadow:0 18px 50px rgba(10,52,58,.10)}.article-card-large{grid-column:span 2}.article-image{display:block;height:240px;background-size:cover;background-position:center}.article-card-large .article-image{height:310px}.article-card-body{padding:26px}.article-card h3{font:700 26px/1.12 Arial,"Helvetica Neue",sans-serif;letter-spacing:-.035em;margin:10px 0 10px}.article-card-large h3{font-size:34px}.article-card p{margin:0;color:#687b80;font-size:14px;line-height:1.65}.editorial-feature{background:#07343d;color:#fff}.editorial-feature-grid{display:grid;grid-template-columns:1fr 1fr;min-height:650px}.editorial-feature-photo{margin-left:calc((100vw - min(1180px,calc(100vw - 48px)))/-2)}.editorial-feature-copy{padding:90px 0 90px 84px;display:flex;flex-direction:column;justify-content:center}.editorial-feature-copy h2{font:700 clamp(44px,5vw,67px)/1 Arial,"Helvetica Neue",sans-serif;letter-spacing:-.055em;margin:0 0 24px}.editorial-feature-copy p{color:#cde0e2;font-size:16px;line-height:1.75;margin:0 0 18px;max-width:560px}.reading-list{background:#f5f8f5}.reading-list-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:90px}.reading-list-intro p{color:#687b80;line-height:1.7;max-width:400px}.reading-links{border-top:1px solid #d9e3df}.reading-links a{min-height:92px;border-bottom:1px solid #d9e3df;display:flex;align-items:center;justify-content:space-between;gap:25px;transition:.2s}.reading-links a:hover{padding-left:8px}.reading-links span{display:flex;align-items:center;gap:20px}.reading-links small{color:var(--teal-dark);font-weight:800}.reading-links b{font:650 19px/1.35 Arial,"Helvetica Neue",sans-serif}.reading-links strong{color:var(--teal);font-size:22px}.official-resource-band{padding:78px 0;background:#0b2530;color:#fff}.official-resource-inner{display:grid;grid-template-columns:1fr .82fr;gap:80px;align-items:center}.official-resource-inner h2{font:700 clamp(40px,4.7vw,61px)/1.02 Arial,"Helvetica Neue",sans-serif;letter-spacing:-.05em;margin:0 0 15px}.official-resource-inner p{color:#bed1d4;line-height:1.7;max-width:620px;margin:0}.official-resource-links{display:grid;border-top:1px solid rgba(255,255,255,.15)}.official-resource-links a{display:flex;justify-content:space-between;align-items:center;padding:19px 0;border-bottom:1px solid rgba(255,255,255,.15);font-weight:700}.official-resource-links span{color:#89e1e6}.blog-footer{padding-top:66px}.blog-footer .footer-top{grid-template-columns:1.4fr .8fr .8fr 1fr}

/* Article pages */
.article-page{background:#fff}.article-page .site-header{position:sticky}.article-page-hero{padding:72px 0 48px;background:#f4f7f4;border-bottom:1px solid #e2e8e5}.article-page-head{max-width:900px}.article-page-head h1{font:700 clamp(48px,6vw,78px)/.98 Arial,"Helvetica Neue",sans-serif;letter-spacing:-.06em;margin:14px 0 24px}.article-page-head>p{font-size:19px;line-height:1.7;color:#526a6f;max-width:760px;margin:0}.article-byline{display:flex;gap:12px;align-items:center;margin-top:28px;color:#7b8f93;font-size:12px}.article-byline span+span:before{content:"•";margin-right:12px}.article-cover{height:520px;margin-top:48px;border-radius:28px;background-size:cover;background-position:center}.article-body-section{padding:70px 0 100px}.article-layout{display:grid;grid-template-columns:210px minmax(0,760px);gap:80px;align-items:start}.article-toc{position:sticky;top:130px}.article-toc strong{font-size:10px;letter-spacing:.14em;color:var(--teal-dark)}.article-toc a{display:block;padding:12px 0;border-bottom:1px solid #e1e7e4;color:#62777c;font-size:12px;font-weight:650}.article-copy{font-size:16px;line-height:1.83;color:#3f595f}.article-copy>p:first-child{font-size:20px;line-height:1.72;color:#29484f}.article-copy [id]{scroll-margin-top:130px}.article-copy h2{font:700 34px/1.15 Arial,"Helvetica Neue",sans-serif;letter-spacing:-.04em;color:var(--ink);margin:52px 0 16px;scroll-margin-top:130px}.article-copy h2:first-of-type{margin-top:38px}.article-copy p{margin:0 0 18px}.article-callout{margin:34px 0;padding:24px 26px;border-radius:18px;background:#eef6f4;border-left:4px solid var(--teal);color:#355158}.article-callout strong{display:block;color:var(--ink);margin-bottom:5px}.article-copy ul{padding-left:20px}.article-copy li{margin:8px 0}.article-copy a{text-decoration:underline;text-underline-offset:3px;text-decoration-color:#9acfd1}.article-next{margin-top:55px;padding-top:30px;border-top:1px solid #dfe7e4;display:flex;justify-content:space-between;gap:20px;align-items:center}.article-next small{display:block;color:#839498;margin-bottom:6px}.article-next a{font-weight:800;text-decoration:none}.source-note{font-size:12px!important;color:#809397!important}

/* Editorial image art direction */
.featured-story-image,.article-image,.article-cover,.editorial-feature-photo{background-color:#dce7e4}
.featured-story-image,.article-image-one,.article-cover.one{background-position:center 48%}
.article-image-two,.article-cover.two{background-position:center 58%}
.article-image-three,.article-cover.three{background-position:62% center}
.article-image-four,.article-cover.four,.editorial-feature-photo{background-position:center 44%}
.featured-story-image,.article-image{position:relative}
.featured-story-image:after,.article-image:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(5,37,48,0) 58%,rgba(5,37,48,.18));pointer-events:none}

/* Loading performance: responsive images replace eager CSS backgrounds. */
.featured-story-image{display:block;width:100%;height:365px;object-fit:cover;object-position:center 48%;background:none}
.article-image{overflow:hidden;background:none}
.article-image img{display:block;width:100%;height:100%;object-fit:cover;transition:transform .45s ease}
.article-card:hover .article-image img{transform:scale(1.025)}
.editorial-feature-photo{overflow:hidden;background:none}
.editorial-feature-photo img{display:block;width:100%;height:100%;min-height:650px;object-fit:cover;object-position:center 44%}
.article-cover{display:block;width:100%;object-fit:cover;background:none}
.article-cover.one{object-position:center 48%;background-image:none}
.article-cover.two{object-position:center 58%;background-image:none}
.article-cover.three{object-position:62% center;background-image:none}
.article-cover.four{object-position:center 44%;background-image:none}
.editorial-section,.editorial-feature,.reading-list,.official-resource-band,.site-footer{content-visibility:auto;contain-intrinsic-size:auto 700px}
@media(max-width:1050px){.blog-hero-grid{grid-template-columns:1fr;gap:42px}.blog-hero-copy{max-width:760px}.editorial-feature-grid{grid-template-columns:1fr}.editorial-feature-photo{margin-left:0;min-height:520px}.editorial-feature-copy{padding:70px 0}.reading-list-grid,.official-resource-inner{grid-template-columns:1fr;gap:45px}.article-layout{grid-template-columns:1fr;gap:30px}.article-toc{position:static;display:none}.blog-footer .footer-top{grid-template-columns:1fr 1fr 1fr}}
@media(max-width:720px){.blog-hero{padding:56px 0}.blog-hero-copy h1{font-size:52px}.featured-story-image{height:260px}.featured-story-body{padding:24px}.featured-story h2{font-size:30px}.topic-bar-inner{padding:12px 0}.editorial-heading{grid-template-columns:1fr;gap:20px}.article-grid{grid-template-columns:1fr}.article-card-large{grid-column:span 1}.article-card-large .article-image,.article-image{height:230px}.article-card-large h3,.article-card h3{font-size:27px}.editorial-feature-photo{min-height:390px}.editorial-feature-copy{padding:60px 0}.reading-links b{font-size:16px}.official-resource-band{padding:64px 0}.blog-footer .footer-top{grid-template-columns:1fr 1fr}.article-page-hero{padding:55px 0 36px}.article-page-head h1{font-size:48px}.article-page-head>p{font-size:17px}.article-cover{height:330px;margin-top:34px;border-radius:20px}.article-body-section{padding:52px 0 78px}.article-copy h2{font-size:29px}.article-next{align-items:flex-start;flex-direction:column}}

/* Narrow-screen safeguards */
@media(max-width:720px){
  :root{--container:min(calc(100% - 30px),1180px)}
  body{overflow-x:hidden}
  .nav-inner{grid-template-columns:minmax(0,1fr) auto;gap:10px}
  .menu-toggle{grid-column:2;justify-self:end;display:block;flex:0 0 44px}
  .nav-actions{display:none}
  .primary-nav.open{top:68px;max-height:calc(100vh - 68px);overflow-y:auto}
  .blog-hero-copy h1{font-size:clamp(40px,12.5vw,50px);overflow-wrap:anywhere}
  .blog-hero-copy h1 em{display:block}
  .article-page-head h1{font-size:clamp(39px,11.5vw,48px);overflow-wrap:anywhere}
  .legal-hero h1{font-size:clamp(38px,11vw,46px);overflow-wrap:anywhere}
  .featured-story h2,.article-card h3,.reading-links b,.official-resource-inner h2,.editorial-feature-copy h2{overflow-wrap:anywhere}
  .article-meta{flex-wrap:wrap;row-gap:8px}
  .editorial-feature-photo img{min-height:390px}
  .article-meta b,.article-meta a{margin-left:0}
  .reading-links a{padding:18px 0;min-height:82px;align-items:flex-start}
  .reading-links span{gap:12px;min-width:0}
  .reading-links b{min-width:0}
  .legal-layout{min-width:0}
  .legal-copy{min-width:0;overflow-wrap:anywhere}
}
@media(max-width:480px){
  :root{--container:calc(100% - 28px)}
  .brand-word{font-size:20px;letter-spacing:-1px}
  .guide-mark{width:28px;height:28px}
  .blog-hero{padding:46px 0 50px}
  .blog-hero-copy h1{font-size:42px}
  .blog-hero-copy>p{font-size:16px;line-height:1.62}
  .hero-meta{gap:6px}
  .hero-meta span{padding:7px 9px}
  .featured-story-image{height:220px}
  .editorial-feature-photo img{min-height:300px;object-position:48% center}
  .article-cover.two{object-position:center 52%}
  .article-cover.three{object-position:68% center}
  .article-cover.four{object-position:48% center}
  .article-image-two,.article-cover.two{background-position:center 52%}
  .article-image-three,.article-cover.three{background-position:68% center}
  .article-image-four,.article-cover.four,.editorial-feature-photo{background-position:48% center}
  .featured-story-body{padding:21px 20px 22px}
  .section{padding:64px 0}
  .editorial-heading h2,.reading-list-intro h2{font-size:39px}
  .editorial-feature-photo{min-height:300px}
  .editorial-feature-copy{padding:48px 0}
  .editorial-feature-copy h2{font-size:40px}
  .official-resource-inner h2{font-size:39px}
  .blog-footer .footer-top,.legal-footer .footer-top,.footer-top{grid-template-columns:1fr}
  .footer-brand{grid-column:auto}
  .footer-col:last-child{display:flex}
  .footer-bottom div{flex-wrap:wrap}
  .legal-hero{padding:58px 0 50px}
  .legal-hero h1{font-size:40px}
  .legal-shell{padding:48px 0 64px}
  .legal-nav{padding:20px}
  .legal-copy h2{font-size:26px}
  .article-page-hero{padding:46px 0 30px}
  .article-page-head h1{font-size:40px}
  .article-cover{height:250px}
  .article-byline{flex-wrap:wrap}
}

@media(max-width:720px){
  .cookie-banner{left:12px;right:12px;bottom:12px;padding:19px;display:block;border-radius:16px}
  .cookie-banner__copy strong{font-size:16px}
  .cookie-banner__actions{display:grid;grid-template-columns:1fr;margin-top:16px}
  .cookie-button{width:100%}
}

@media(prefers-reduced-motion:reduce){.cookie-banner{transition:none}}