@font-face{font-family:"IBM Plex Sans";font-style:normal;font-weight:400;font-display:swap;src:url("/assets/plex-sans-400.woff2") format("woff2")}
@font-face{font-family:"IBM Plex Sans";font-style:normal;font-weight:600;font-display:swap;src:url("/assets/plex-sans-600.woff2") format("woff2")}
@font-face{font-family:"IBM Plex Serif";font-style:normal;font-weight:500;font-display:swap;src:url("/assets/plex-serif-500.woff2") format("woff2")}
:root{color-scheme:light;--paper:#f8f9fa;--ink:#20262d;--muted:#59616b;--rule:#d6dce1;--blue:#315575;--tint:#edf1f4;--sans:"IBM Plex Sans",Arial,sans-serif;--serif:"IBM Plex Serif",Georgia,serif}
*{box-sizing:border-box}
html{scroll-padding-top:24px;scroll-behavior:smooth;text-size-adjust:100%;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font:400 16px/1.6 var(--sans);-webkit-font-smoothing:antialiased}
button,input,select,textarea{font:inherit;color:inherit;border-radius:0}
button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}
button,a,summary{touch-action:manipulation}
button{cursor:pointer}
input,select,textarea{min-width:0;max-width:100%;background:#fff;border:1px solid #99a5af;padding:11px 13px;min-height:46px}
input::placeholder,textarea::placeholder{color:#687480;opacity:1}
input[type="checkbox"],input[type="radio"]{width:20px;min-height:20px;accent-color:var(--blue)}
input[type="range"]{accent-color:var(--blue);padding:0}
textarea{width:100%;min-height:140px;resize:vertical}
select{padding-right:30px}
button{min-height:46px;border:1px solid var(--ink);background:transparent;padding:10px 19px;font-weight:600}
button:hover{background:var(--tint)}
a{color:inherit;text-decoration:none;text-underline-offset:4px;text-decoration-thickness:1px}
a:hover{color:var(--blue)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:2px solid var(--blue);outline-offset:4px}
[hidden]{display:none!important}
img{display:block;width:100%;height:auto}
figure,p,h1,h2,h3,h4,ol,ul,dl,dd{margin:0}
h1,h2,h3,h4{font-weight:500;line-height:1.2;text-wrap:balance;overflow-wrap:break-word;hyphens:auto}
h1,h2,h3{font-family:var(--serif)}
strong,b{font-weight:600}
p{overflow-wrap:break-word}
ul,ol{padding-left:1.3em}
::selection{background:#d6e2ec;color:var(--ink)}
.wrap{width:calc(100% - 80px);max-width:1320px;margin-inline:auto}
.skip{position:fixed;z-index:20;left:20px;top:12px;transform:translateY(-180%);background:var(--ink);color:#fff;padding:12px 18px}
.skip:focus{transform:none;color:#fff}
.site-header{border-bottom:1px solid var(--ink)}
.masthead{min-height:108px;display:flex;align-items:center;gap:30px}
.brand{font:600 46px/1 var(--sans);letter-spacing:-2.7px;white-space:nowrap}
.brand-mark{color:var(--blue)}
.tagline{font-size:13px;line-height:1.4;padding-left:26px;border-left:1px solid var(--rule);color:var(--muted)}
.search-link{display:inline-flex;align-items:center;gap:28px;min-height:44px;margin-left:auto;font-size:14px;font-weight:600}
.search-link:hover{text-decoration:underline}
.menu-toggle{display:none}
.navigation{display:flex;align-items:center;gap:30px;min-height:51px;border-top:1px solid var(--rule);font-size:14px}
.navigation>a{display:flex;align-items:center;min-height:50px;white-space:nowrap;position:relative}
.navigation>a:hover,.navigation [aria-current="page"]{color:var(--blue)}
.navigation [aria-current="page"]::after{content:"";position:absolute;height:2px;background:var(--blue);left:0;right:0;bottom:0}
.nav-about{margin-left:auto;color:var(--muted)}
.edition{display:flex;justify-content:space-between;gap:20px;padding:14px 0 16px;font-size:12px;color:var(--muted)}
.edition a{text-decoration:underline}
.lead-spread{display:grid;grid-template-columns:minmax(0,3fr) minmax(260px,1.12fr);gap:42px;padding:20px 0 49px}
.lead-main{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.02fr);gap:30px;align-items:stretch}
.lead-copy{padding-top:6px}
.category{font:600 11px/1.5 var(--sans);letter-spacing:.075em;text-transform:uppercase;color:var(--blue)}
.lead-copy h1{font-size:clamp(44px,4.35vw,64px);line-height:1.06;letter-spacing:-2px;margin:21px 0 24px;text-wrap:initial}
.lead-copy>p:not(.category){font-size:18px;line-height:1.6;max-width:31ch;color:var(--muted)}
.text-link,.small-link{display:inline-flex;align-items:center;min-height:44px;color:var(--blue);font-weight:600}
.text-link{font-size:15px;margin-top:22px}
.text-link:hover,.small-link:hover{text-decoration:underline}
.small-link{font-size:13px;line-height:1.45}
.lead-photo{display:block;min-height:410px;overflow:hidden}
.lead-photo img{height:100%;min-height:410px;object-fit:cover;object-position:56% center;filter:saturate(.7)}
.memo-column{border-left:1px solid var(--rule);padding-left:29px}
.memo-column>h2{font-size:26px;line-height:1.25;margin:3px 0 8px}
.intro{font-size:13px;color:var(--muted);margin-bottom:10px}
.memo{display:grid;grid-template-columns:24px minmax(0,1fr) 12px;gap:11px;border-bottom:1px solid var(--rule);padding:19px 0 20px}
.memo-number{font-size:12px;color:var(--muted);padding-top:3px;font-variant-numeric:tabular-nums}
.memo h3{font-size:19px;line-height:1.3;margin-top:6px}
.memo>span:last-child{font-size:15px;color:var(--blue)}
.memo-column>.small-link{margin-top:13px}
.featured-row{display:grid;grid-template-columns:minmax(0,1.18fr) minmax(0,1fr) minmax(0,1fr);gap:45px;padding:33px 0 41px;border-top:1px solid var(--ink)}
.featured-row>*{min-width:0}
.featured-intro h2{font-size:30px;line-height:1.25;letter-spacing:-.5px}
.featured-intro p{color:var(--muted);font-size:15px;margin-top:15px;max-width:25ch}
.story{min-width:0}
.story>p.category{margin:0 0 9px}
.story h3{font-size:26px;line-height:1.25;letter-spacing:-.3px;margin:0 0 13px}
.story>p:not(.category){color:var(--muted);font-size:15px;line-height:1.6;max-width:45ch}
.story .meta{display:block;font-size:12px;color:var(--muted);margin-top:17px}
.meta{font-size:12px;line-height:1.5;color:var(--muted)}
.story>a{display:block;margin-bottom:20px;overflow:hidden}
.story img{aspect-ratio:3/2;object-fit:cover;filter:saturate(.7)}
.story h3 a:hover{text-decoration:underline}
.knowledge-section,.latest-section{padding:38px 0 45px;border-top:1px solid var(--ink)}
.section-heading{font-size:36px;line-height:1.2;letter-spacing:-.7px;margin-bottom:28px}
.topic-index{display:grid;grid-template-columns:1fr 1fr;column-gap:60px}
.topic-index>a{display:grid;grid-template-columns:33px minmax(0,1fr) 20px;gap:4px 16px;padding:23px 0 25px;border-bottom:1px solid var(--rule)}
.topic-count{font-size:12px;color:var(--muted);padding-top:5px;font-variant-numeric:tabular-nums}
.topic-index h3{font:400 28px/1.25 var(--sans);letter-spacing:-.6px}
.topic-index p{grid-column:2;font-size:14px;color:var(--muted);max-width:49ch}
.topic-index>a>span:last-child{grid-column:3;grid-row:1;font-size:21px;color:var(--blue)}
.calculator-teaser{display:grid;grid-template-columns:1.15fr 1fr;gap:70px;background:var(--tint);padding:46px 50px;margin:8px 0 48px}
.teaser-copy h2{font-size:43px;line-height:1.17;letter-spacing:-1px;margin:16px 0 20px}
.teaser-copy>p:not(.category){max-width:43ch;color:var(--muted);font-size:16px}
.button{display:inline-flex;align-items:center;justify-content:center;gap:30px;min-height:48px;padding:12px 22px;background:var(--blue);border:1px solid var(--blue);color:#fff;font-size:14px;font-weight:600;white-space:nowrap}
.button:hover{color:#fff;background:#254562;border-color:#254562}
.teaser-copy .button{margin-top:27px}
.teaser-sheet{border-left:1px solid #c4cdd5;padding-left:44px;font-variant-numeric:tabular-nums}
.sheet-title{font-size:12px;color:var(--muted)}
.sample-amount{font-size:56px;font-weight:600;letter-spacing:-2px;line-height:1.15;margin:15px 0 22px}
.sample-amount span{display:block;font-size:14px;letter-spacing:0;font-weight:400;color:var(--muted);margin-top:3px}
.sample-line,.sample-total{display:flex;align-items:baseline;justify-content:space-between;gap:14px;font-size:14px;padding:12px 0;border-top:1px solid #c4cdd5}
.sample-total{margin-top:10px;padding-top:18px}
.sample-total strong{font-size:25px;font-weight:600;letter-spacing:-.5px}
.teaser-sheet>p{font-size:12px;line-height:1.5;color:var(--muted);max-width:47ch;margin-top:12px}
.reading-grid{display:grid;grid-template-columns:1.2fr 1.2fr 1fr 1fr;gap:29px;margin-bottom:7px}
.reading-grid .story h3{font-size:24px}
.reading-grid .story:nth-child(n+3){border-left:1px solid var(--rule);padding-left:26px}
.editorial-note{display:grid;grid-template-columns:80px minmax(0,1fr);gap:30px;padding:38px 0 42px;border-top:1px solid var(--ink);max-width:900px;margin:8px auto 50px}
.note-mark{font:500 66px/1 var(--serif);letter-spacing:-3px;color:var(--blue)}
.editorial-note h2{font-size:32px;margin-bottom:14px}
.editorial-note p{color:var(--muted);font-size:17px;max-width:62ch}
.editorial-note .text-link{margin-top:11px}
.site-footer{border-top:1px solid var(--ink);padding:34px 0 25px;margin-top:32px}
.footer-top{display:flex;justify-content:space-between;gap:30px;align-items:center;padding:0 0 31px}
.footer-top .brand{font-size:35px;letter-spacing:-2px}
.footer-top>p{font-size:14px;color:var(--muted);max-width:34ch}
.footer-links{display:flex;flex-wrap:wrap;gap:8px 26px;padding:18px 0;border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);font-size:13px}
.footer-links a{display:inline-flex;align-items:center;min-height:34px}
.footer-bottom{display:flex;justify-content:space-between;gap:30px;font-size:11px;color:var(--muted);padding-top:20px}
.footer-bottom>p:last-child{max-width:65ch;text-align:right}
.breadcrumbs{display:flex;flex-wrap:wrap;gap:3px 10px;font-size:12px;color:var(--muted);padding:22px 0}
.breadcrumbs a:hover{text-decoration:underline}
.page-heading{max-width:930px;margin:26px 0 36px}
.page-heading h1{font-size:58px;letter-spacing:-1.5px;line-height:1.12;margin:13px 0 20px}
.page-heading>p:not(.category){font-size:21px;color:var(--muted);max-width:62ch}
.search-form{padding:24px 0;margin:0 0 38px;border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}
.search-form>label{display:block;font-size:14px;font-weight:600;margin-bottom:9px}
.search-input{display:flex;gap:12px;max-width:860px}
.search-input input{flex:1;width:100%}
.search-input button{font-size:14px}
.filter-controls{display:flex;align-items:center;gap:12px;margin-top:20px;font-size:14px}
.filter-controls select{min-width:220px}
.filter-controls #search-status{margin-left:auto;color:var(--muted)}
.library-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:37px 34px;margin-bottom:64px}
.library-grid>div{display:flex;min-width:0}
.library-grid .story{width:100%;border-bottom:1px solid var(--rule);padding-bottom:29px}
.empty-message{padding:40px 0 70px;color:var(--muted);font-size:18px;max-width:65ch}
.article-heading{max-width:1060px;margin:27px auto 41px}
.article-heading h1{font-size:58px;line-height:1.12;letter-spacing:-1.5px;max-width:24ch;margin:17px 0 24px}
.article-lead{font-size:22px;line-height:1.6;max-width:76ch;color:var(--muted)}
.article-meta{display:flex;flex-wrap:wrap;gap:8px 26px;margin-top:27px;padding-top:20px;border-top:1px solid var(--rule);font-size:12px;color:var(--muted)}
.article-layout{display:grid;grid-template-columns:220px minmax(0,790px);justify-content:center;gap:54px;align-items:start}
.contents{position:sticky;top:24px;border-top:2px solid var(--blue);padding-top:18px}
.contents h2{font:600 14px/1.4 var(--sans);margin-bottom:12px}
.contents nav{display:flex;flex-direction:column;margin-bottom:16px}
.contents nav a{display:block;min-height:44px;font-size:13px;line-height:1.45;padding:11px 0;border-bottom:1px solid var(--rule)}
.contents nav a:hover{text-decoration:underline}
.article-body{min-width:0;font-size:18px;line-height:1.78;max-width:68ch}
.article-image{margin:0 0 30px}
.article-image img{aspect-ratio:3/2;object-fit:cover;max-height:480px;filter:saturate(.75)}
figcaption{font-size:11px;line-height:1.5;color:var(--muted);margin-top:8px}
.article-body h2{font-size:33px;line-height:1.25;letter-spacing:-.5px;margin:45px 0 19px}
.article-body h3{font-size:25px;line-height:1.3;margin:30px 0 15px}
.article-body p{margin-bottom:20px}
.article-body ul,.article-body ol{margin:16px 0 23px}
.article-body li{padding-left:4px;margin:8px 0}
.article-body section{scroll-margin-top:24px}
.article-body a:not(.small-link){color:var(--blue);text-decoration:underline;overflow-wrap:anywhere}
.takeaways{padding:25px 29px 21px;background:var(--tint);border-left:3px solid var(--blue);margin:0 0 35px}
.takeaways h2{font:600 17px/1.4 var(--sans);letter-spacing:0;margin:0 0 12px}
.takeaways ul{font-size:16px;line-height:1.6;margin:0}
details{border-bottom:1px solid var(--rule)}
summary{font-weight:600;cursor:pointer;min-height:52px;padding:16px 24px 16px 0;font-size:16px;line-height:1.55}
summary::marker{color:var(--blue);font-size:13px}
details[open] summary{color:var(--blue)}
details p{font-size:16px;padding:0 0 4px}
.source-section{margin-top:44px;padding-top:1px;border-top:1px solid var(--rule);font-size:15px}
.source-section h2{margin-top:30px}
.sources{font-size:14px;line-height:1.65}
.disclaimer{font-size:13px;color:var(--muted);padding-top:20px;border-top:1px solid var(--rule)}
.related-section{padding:42px 0 20px;border-top:1px solid var(--ink);margin-top:68px}
.related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:40px}
.tools-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:40px;margin:15px 0 70px}
.tool-card{border-top:1px solid var(--ink);border-bottom:1px solid var(--rule);padding:25px 0 27px}
.tool-card h2{font-size:30px;line-height:1.3;margin:8px 0 15px}
.tool-card p{font-size:16px;color:var(--muted);margin-bottom:12px}
.tool-mark{display:block;font-size:38px;line-height:1.1;color:var(--blue);margin-bottom:23px}
.tool-card .button{margin-top:20px}
.calculator-layout{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start;margin:15px 0 60px}
.calculator-form{border:1px solid var(--rule);padding:30px}
.calculator-form>h2,.calculator-results>h2{font-size:27px;line-height:1.3;margin-bottom:24px}
.field{display:grid;gap:7px;margin-bottom:21px}
.field>label,.field>span:first-child{font-size:14px;font-weight:600}
.field>input,.field>select{width:100%}
.field small,.field .hint,.field-hint{font-size:12px;line-height:1.5;color:var(--muted);font-weight:400}
.field:has(input:invalid:not(:placeholder-shown)){border-color:#7c3b3b}
.calculator-form .button{margin-top:5px;width:100%}
.calculator-form>.meta{margin-top:17px}
.form-error{font-size:14px;line-height:1.5;margin-top:16px;border-left:3px solid #7c3b3b;padding:8px 12px;color:#6d3030}
button:disabled{cursor:default;opacity:.65}
.calculator-form fieldset{border:0;padding:0;margin:0;min-width:0}
.calculator-form legend{font-size:18px;font-weight:600;margin-bottom:20px}
.calculator-results{background:var(--tint);padding:30px;min-width:0;font-variant-numeric:tabular-nums}
.result-value{font-size:48px;line-height:1.2;letter-spacing:-1.5px;font-weight:600;color:var(--ink);overflow-wrap:anywhere}
.metric{display:grid;gap:5px;padding:17px 0;border-bottom:1px solid #c4cdd5}
.metric>span:first-child,.metric>dt{font-size:13px;color:var(--muted)}
.metric>strong,.metric>dd{font-size:24px;font-weight:600;line-height:1.35}
.metric.result-value{padding-top:0;letter-spacing:0}
.metric.result-value>strong{font-size:48px;line-height:1.2;letter-spacing:-1.5px}
.number-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;margin:24px 0}
.number-grid .metric{border-top:1px solid var(--rule);border-bottom:0}
.calculation-note{font-size:13px;line-height:1.6;color:var(--muted);margin-top:20px;max-width:75ch}
.chart{margin:27px 0 16px;min-width:0;max-width:100%;overflow:auto;color:var(--blue)}
.chart svg{display:block;width:100%;height:auto;overflow:visible}
canvas.chart{display:block;width:100%;height:auto}
.chart-bar{background:var(--blue);min-width:22px}
.chart-label,.chart-legend{font-size:12px;color:var(--muted)}
.data-table{border-collapse:collapse;width:100%;font-size:14px;line-height:1.5;text-align:left;font-variant-numeric:tabular-nums;margin:25px 0;display:block;overflow-x:auto}
.data-table th,.data-table td{padding:12px 17px 12px 0;border-bottom:1px solid var(--rule);vertical-align:top;min-width:100px}
.data-table th{font-weight:600;border-bottom-color:var(--ink)}
.data-table caption{text-align:left;font-size:13px;color:var(--muted);margin-bottom:10px}
.info-page{max-width:830px;margin:32px auto 70px;font-size:18px;line-height:1.75}
.info-page h1{font-size:52px;line-height:1.15;letter-spacing:-1px;margin:0 0 27px}
.info-page h2{font-size:31px;line-height:1.3;letter-spacing:-.4px;margin:36px 0 18px}
.info-page h3{font-size:24px;margin:29px 0 14px}
.info-page p{margin-bottom:20px}
.info-page ul,.info-page ol{margin:14px 0 23px}
.info-page li{margin:8px 0}
.info-page a{color:var(--blue);text-decoration:underline;overflow-wrap:anywhere}
.info-page .button{color:#fff;text-decoration:none}
.legal-address{font-style:normal;line-height:1.8;margin:20px 0 28px}
.glossary-list{display:grid;grid-template-columns:1fr 1fr;column-gap:50px;margin:30px 0 65px}
.glossary-list>div,.glossary-list>section{border-top:1px solid var(--rule);padding:25px 0 29px;break-inside:avoid}
.glossary-list dt,.glossary-list h2{font:500 27px/1.3 var(--serif);margin:0 0 12px}
.glossary-list dd,.glossary-list p{font-size:16px;line-height:1.7;color:var(--muted)}
.glossary-list a{color:var(--blue);text-decoration:underline}