.g-hub{max-width:1000px;margin:0 auto;padding:40px 22px 60px}.g-hub-h1{font-size:38px;font-weight:900;letter-spacing:-.02em;color:var(--navy);margin:6px 0 10px}.g-hub-sub{color:var(--ink-soft);font-size:16.5px;line-height:1.55;max-width:680px;margin:0 0 30px}.g-grid{display:grid;grid-template-columns:1fr 1fr;grid-gap:18px;gap:18px}@media(max-width:720px){.g-grid{grid-template-columns:1fr}}.g-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;text-decoration:none;display:flex;flex-direction:column;gap:8px;box-shadow:0 1px 2px rgba(31,58,130,.05),0 10px 28px rgba(31,58,130,.07);transition:transform .12s,border-color .12s}.g-card:hover{transform:translateY(-2px);border-color:var(--blue)}.g-cat{font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--blue)}.g-card h2{margin:0;font-size:19px;font-weight:800;color:var(--navy);letter-spacing:-.01em;line-height:1.3}.g-card p{margin:0;font-size:14px;line-height:1.55}.g-card p,.g-read{color:var(--ink-soft)}.g-read{font-size:12.5px;margin-top:auto}.art-wrap{max-width:760px;margin:0 auto;padding:38px 22px 60px}.art-crumb{font-size:13px;color:var(--ink-soft);margin-bottom:14px}.art-crumb a{color:var(--blue);text-decoration:none;font-weight:600}.art-wrap h1{font-size:36px;font-weight:900;letter-spacing:-.02em;line-height:1.12;color:var(--navy);margin:0 0 12px}@media(max-width:600px){.art-wrap h1{font-size:28px}}.art-byline{display:flex;gap:8px;align-items:center;flex-wrap:wrap;font-size:13px;color:var(--ink-soft);margin:0 0 28px;padding-bottom:18px;border-bottom:1px solid var(--line)}.art-byline b{color:var(--navy)}.art-body{font-size:16.5px;line-height:1.7;color:var(--ink)}.art-body h2{font-size:24px;font-weight:800;color:var(--navy);letter-spacing:-.01em;margin:36px 0 12px}.art-body h3{font-size:18px;font-weight:700;color:var(--navy);margin:26px 0 8px}.art-body p{margin:0 0 16px}.art-body ol,.art-body ul{margin:0 0 16px;padding-left:24px}.art-body li{margin:6px 0}.art-body a{color:var(--blue);font-weight:600}.art-body table{width:100%;border-collapse:collapse;font-size:14px;margin:14px 0 22px}.art-body th{text-align:left;font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-soft);padding:9px 10px;border-bottom:2px solid var(--line)}.art-body td{padding:9px 10px;border-bottom:1px solid var(--line);vertical-align:top}.art-body .callout{background:#e9edfb;border:1px solid #c9d3f5;border-radius:12px;padding:16px 18px;font-size:15px;margin:22px 0}.art-body .callout a{font-weight:700}.art-body .warn{background:#fdeeed;border:1px solid #f3b6b0;border-radius:12px;padding:16px 18px;font-size:15px;margin:22px 0}.art-body blockquote{border-left:3px solid var(--blue);margin:0 0 16px;padding:4px 0 4px 16px;color:var(--ink-soft);font-style:italic}.table-scroll{overflow-x:auto}.art-author{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:20px 22px;margin:36px 0 0;font-size:14px;line-height:1.6;color:var(--ink)}.art-author b{color:var(--navy)}.art-cta{background:var(--navy);border-radius:16px;padding:26px 28px;color:#fff;margin:36px 0 0;text-align:center}.art-cta h3{margin:0 0 6px;font-size:20px;font-weight:800}.art-cta p{font-size:14px;color:#d4ddf2;line-height:1.55;max-width:520px;margin:0 auto 16px}.art-cta .btn{background:#fff;color:var(--navy)}.art-cta .btn:hover{background:#e9edfb}.art-related{margin-top:36px;padding-top:22px;border-top:1px solid var(--line)}.art-related h3{font-size:15px;color:var(--navy);margin:0 0 10px}.art-related a{display:block;color:var(--blue);text-decoration:none;font-weight:600;font-size:14.5px;padding:5px 0}.vals-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));grid-gap:12px;gap:12px;margin:18px 0}.vals-card{display:grid;grid-gap:3px;gap:3px;border:1px solid var(--line);border-radius:14px;padding:14px 16px;text-decoration:none;color:inherit;background:#fff}.vals-card:hover{border-color:var(--blue)}.vals-card b{color:var(--navy);font-size:16px}.vals-card span{font-size:13px;color:var(--ink-soft)}.vals-card em{font-style:normal;font-size:12.5px;color:var(--blue);font-weight:600}.vals-kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));grid-gap:10px;gap:10px;margin:18px 0}.vals-kpis div{border:1px solid var(--line);border-radius:12px;padding:12px 14px;background:#fff}.vals-kpis small{display:block;font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-soft)}.vals-kpis b{display:block;font-size:22px;color:var(--navy);font-feature-settings:"tnum";font-variant-numeric:tabular-nums;margin:2px 0}.vals-kpis span{font-size:12.5px;color:var(--ink-soft)}.vals-tier h3{font-size:13px;letter-spacing:.05em;text-transform:uppercase;color:var(--ink-soft);margin:14px 0 6px}.vals-tier h3 small{font-family:var(--mono);margin-left:6px;color:#8b95a7}.vals-tablewrap{overflow-x:auto}.vals-table{width:100%;border-collapse:collapse;font-size:14px}.vals-table td,.vals-table th{text-align:left;padding:7px 9px;border-top:1px solid var(--line)}.vals-table thead th{border-top:0;font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-soft)}.vals-table td.num,.vals-table th.num{text-align:right;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;white-space:nowrap}.vals-faq details{border:1px solid var(--line);border-radius:12px;padding:10px 14px;margin:8px 0;background:#fff}.vals-faq summary{cursor:pointer;font-weight:700;color:var(--navy)}.vals-cta{display:flex;gap:16px;align-items:center;flex-wrap:wrap;margin:22px 0}.vals-cta a:not(.btn){color:var(--blue);font-weight:600;text-decoration:none}.vals-related{column-count:2;gap:24px;padding-left:18px}.vals-related li{margin:4px 0}.vals-related span{color:var(--ink-soft);font-size:13px}.vals-fine{font-size:12.5px;color:#8b95a7;margin-top:20px}.vals-how{margin-top:28px}@media (max-width:640px){.vals-related{column-count:1}}