.pg-p11{--royal:#3453c4;--royal-deep:#26399a;--royal-line:rgba(255,255,255,.22);--site-ink:#1c2130;--site-muted:#5b6270;--site-paper:#ffffff;--gold:#9c7233;--gold-tint:#f1e6d3;--paper-tint:#f3f5fb;--line:#e1e5f0;--warn:#9a4f2a;--warn-tint:#fbe9df}:where(.pg-p11) h1,:where(.pg-p11) h2,:where(.pg-p11) h3{font-family:"Fraunces",Georgia,serif;text-wrap:balance;margin:0}:where(.pg-p11) a{color:inherit}:where(.pg-p11) a:focus-visible,:where(.pg-p11) button:focus-visible,:where(.pg-p11) input:focus-visible,:where(.pg-p11) textarea:focus-visible{outline:2px solid var(--royal);outline-offset:2px}:where(.pg-p11) .breadcrumb{background:var(--paper-tint);border-bottom:1px solid var(--line)}:where(.pg-p11) .breadcrumb ol{max-width:1180px;margin:0 auto;padding:10px 20px;display:flex;gap:6px;list-style:none;font-size:.8rem;color:var(--site-muted);flex-wrap:wrap}:where(.pg-p11) .breadcrumb a{color:var(--royal);text-decoration:none}:where(.pg-p11) .breadcrumb a:hover{text-decoration:underline}:where(.pg-p11) .breadcrumb li:not(:last-child)::after{content:"›";margin-left:8px;color:#b7bdd1}:where(.pg-p11) .breadcrumb li{display:flex}:where(.pg-p11) .hero{background:linear-gradient(180deg,var(--paper-tint) 0%,#fff 100%)}:where(.pg-p11) .hero-inner{max-width:1180px;margin:0 auto;padding:60px 20px 44px}:where(.pg-p11) .hero .eyebrow{display:inline-block;text-transform:uppercase;letter-spacing:.12em;font-size:.75rem;color:var(--gold);font-weight:700;margin:0 0 14px;border-left:3px solid var(--gold);padding-left:10px}:where(.pg-p11) .hero h1{font-size:clamp(1.9rem,4.2vw,2.7rem);max-width:24ch;line-height:1.14}:where(.pg-p11) .hero .lead{margin:20px 0 0;max-width:64ch;font-size:1.08rem;line-height:1.65;color:var(--site-muted)}:where(.pg-p11) .btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:inherit;font-weight:700;font-size:.92rem;padding:13px 24px;border-radius:7px;text-decoration:none;border:1.5px solid transparent;cursor:pointer}:where(.pg-p11) .btn-primary{background:var(--royal);color:#fff}:where(.pg-p11) .btn-primary:hover{background:var(--royal-deep)}:where(.pg-p11) .btn-block{width:100%}:where(.pg-p11) .btn[disabled]{opacity:.55;cursor:not-allowed}:where(.pg-p11) .btn[disabled]:hover{background:var(--royal)}:where(.pg-p11) .insights-layout{max-width:1180px;margin:0 auto;padding:52px 20px 64px;display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}:where(.pg-p11) .article-meta{display:flex;flex-wrap:wrap;gap:14px;align-items:center;margin:0 0 20px;font-size:.83rem;color:var(--site-muted)}:where(.pg-p11) .article-meta .by{color:var(--site-ink);font-weight:700}:where(.pg-p11) .dot-sep{width:4px;height:4px;border-radius:50%;background:#b7bdd1}:where(.pg-p11) .article-h1{font-size:clamp(1.6rem,3.4vw,2.2rem);line-height:1.16;margin:0 0 16px;max-width:24ch}:where(.pg-p11) .tldr-box{background:var(--paper-tint);border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:0 10px 10px 0;padding:18px 22px;margin:0 0 34px}:where(.pg-p11) .eyebrow-sm{display:block;text-transform:uppercase;letter-spacing:.1em;font-size:.7rem;color:var(--gold);font-weight:700;margin-bottom:8px}:where(.pg-p11) .tldr-box p{margin:0;font-size:.96rem;line-height:1.6;color:#2c3143}:where(.pg-p11) .article-col h2{font-size:clamp(1.25rem,2.2vw,1.5rem);margin:40px 0 14px;max-width:30ch}:where(.pg-p11) .lede p{font-size:1.02rem;line-height:1.72;color:#2c3143;margin:0 0 18px;max-width:72ch}:where(.pg-p11) .lede p:last-child{margin-bottom:0}:where(.pg-p11) .lede a,:where(.pg-p11) .card p a,:where(.pg-p11) .txt a,:where(.pg-p11) .faq-a a{color:var(--royal);font-weight:600;text-decoration:underline;text-decoration-color:rgba(52,83,196,.35);text-underline-offset:2px}:where(.pg-p11) .lede a:hover,:where(.pg-p11) .card p a:hover,:where(.pg-p11) .txt a:hover{text-decoration-color:var(--royal)}:where(.pg-p11) .txt{font-size:.98rem;line-height:1.7;color:#2c3143;margin:0 0 16px;max-width:72ch}:where(.pg-p11) .lead-in{font-size:.98rem;line-height:1.65;color:var(--site-muted);margin:0 0 16px;max-width:72ch}:where(.pg-p11) .route-pair{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:6px 0 4px}:where(.pg-p11) .card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px 22px 20px;border-top:3px solid var(--royal)}:where(.pg-p11) .card h3{font-family:"Source Sans 3",sans-serif;font-weight:700;font-size:1.02rem;margin-bottom:8px}:where(.pg-p11) .card p{margin:0;font-size:.94rem;line-height:1.62;color:#3a3f52}:where(.pg-p11) .resilience-list{list-style:none;margin:0 0 16px;padding:0;display:flex;flex-direction:column;gap:12px}:where(.pg-p11) .resilience-list li{display:flex;gap:12px;align-items:flex-start}:where(.pg-p11) .tick{flex:none;width:22px;height:22px;border-radius:50%;background:var(--gold-tint);color:#5c4322;font-weight:700;font-size:.75rem;display:flex;align-items:center;justify-content:center;margin-top:2px}:where(.pg-p11) .resilience-list p{margin:0;font-size:.95rem;line-height:1.62;color:#2c3143}:where(.pg-p11) .resilience-list strong{color:var(--site-ink)}:where(.pg-p11) .scheme-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:6px 0 20px}:where(.pg-p11) .scheme{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px;border-top:3px solid var(--royal);display:flex;flex-direction:column;gap:10px}:where(.pg-p11) .scheme .tag{font-size:.7rem;text-transform:uppercase;letter-spacing:.1em;color:var(--gold);font-weight:700}:where(.pg-p11) .scheme h3{font-family:"Source Sans 3",sans-serif;font-size:1.05rem;font-weight:700}:where(.pg-p11) .scheme .figs{display:flex;gap:20px;flex-wrap:wrap;padding:12px 0;border-block:1px solid var(--line)}:where(.pg-p11) .scheme .fig .num{font-family:"Fraunces",serif;font-weight:700;font-size:1.55rem;color:var(--royal-deep);line-height:1;font-variant-numeric:tabular-nums}:where(.pg-p11) .scheme .fig .lbl{display:block;margin-top:5px;font-size:.78rem;color:var(--site-muted);line-height:1.35}:where(.pg-p11) .scheme p{margin:0;font-size:.92rem;line-height:1.6;color:#3a3f52}:where(.pg-p11) .scheme a{color:var(--royal);font-weight:700;text-decoration:none;font-size:.9rem;margin-top:auto}:where(.pg-p11) .scheme a:hover{text-decoration:underline}:where(.pg-p11) .faq-item{border-bottom:1px solid var(--line);padding:16px 0}:where(.pg-p11) .faq-item:first-child{padding-top:0}:where(.pg-p11) .faq-item:last-child{border-bottom:none}:where(.pg-p11) .faq-q{font-weight:700;font-size:.97rem;margin:0 0 8px}:where(.pg-p11) .faq-a{margin:0;font-size:.93rem;line-height:1.6;color:#3a3f52}:where(.pg-p11) .credential-strip{display:flex;gap:16px;align-items:center;margin-top:30px;padding:18px 22px;background:var(--paper-tint);border-radius:12px;border:1px solid var(--line)}:where(.pg-p11) .credential-strip .badge{flex:none;width:52px;height:52px;border-radius:50%;background:var(--royal);color:#fff;display:flex;align-items:center;justify-content:center;font-family:"Fraunces",serif;font-weight:700;font-size:1.1rem}:where(.pg-p11) .credential-strip .who{font-size:.92rem;line-height:1.5}:where(.pg-p11) .credential-strip .who strong{display:block;font-size:.98rem}:where(.pg-p11) .ref-note{margin-top:40px;padding-top:20px;border-top:1px solid var(--line)}:where(.pg-p11) .ref-note h3{font-family:"Source Sans 3",sans-serif;font-size:.85rem;text-transform:uppercase;letter-spacing:.06em;color:var(--site-muted);font-weight:700;margin:0 0 10px}:where(.pg-p11) .ref-note ol{margin:0;padding-left:20px;font-size:.85rem;line-height:1.7;color:var(--site-muted)}:where(.pg-p11) .ref-note a{color:var(--royal);text-decoration:underline;text-decoration-color:rgba(52,83,196,.35);overflow-wrap:anywhere}:where(.pg-p11) .more-insights{margin-top:40px;padding:20px 22px;background:var(--paper-tint);border:1px solid var(--line);border-radius:12px}:where(.pg-p11) .more-insights a{display:block;color:var(--royal);font-weight:600;text-decoration:none;font-size:.94rem;margin-top:6px}:where(.pg-p11) .more-insights a:hover{text-decoration:underline}:where(.pg-p11) .sidebar{position:sticky;top:20px}:where(.pg-p11) .form-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px 24px;box-shadow:0 16px 34px -22px rgba(38,57,154,.4)}:where(.pg-p11) .form-card h3{font-size:1.2rem;margin:0 0 8px}:where(.pg-p11) .form-card .sub{font-size:.86rem;color:var(--site-muted);line-height:1.55;margin:0 0 20px}:where(.pg-p11) .form-field{margin-bottom:14px}:where(.pg-p11) .form-field input,:where(.pg-p11) .form-field textarea{width:100%;border:1px solid #cfd5e6;border-radius:8px;padding:10px 12px;font-family:inherit;font-size:.9rem;color:var(--site-ink);background:#fbfbfd}:where(.pg-p11) .form-field input::placeholder,:where(.pg-p11) .form-field textarea::placeholder{color:#7d8496}:where(.pg-p11) .form-field input:focus,:where(.pg-p11) .form-field textarea:focus{border-color:var(--royal)}:where(.pg-p11) .form-field textarea{resize:vertical;min-height:110px}:where(.pg-p11) .hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}:where(.pg-p11) .rc-wrap{margin:6px 0 16px;min-height:78px;overflow-x:auto}:where(.pg-p11) .rc-fallback{display:none;align-items:center;gap:12px;border:1px solid #d3d3d3;border-radius:6px;background:#f9f9f9;padding:12px 14px}:where(.pg-p11) .rc-fallback.on{display:flex}:where(.pg-p11) .rc-fallback input{width:22px;height:22px;margin:0;accent-color:var(--royal);flex:none}:where(.pg-p11) .rc-fallback .rc-label{font-size:.86rem;color:#3a3f52;flex:1}:where(.pg-p11) .rc-fallback .rc-badge{flex:none;text-align:center;font-size:.58rem;color:#6b6b6b;line-height:1.3}:where(.pg-p11) .rc-mark{width:26px;height:26px;margin:0 auto 2px;border-radius:3px;background:#4285f4;color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700}:where(.pg-p11) .rc-fallback.ok{border-color:#9bcf9b;background:#f4faf4}:where(.pg-p11) .rc-fallback.ok .rc-mark{background:#2e7d32}:where(.pg-p11) .rc-note{display:none;font-size:.74rem;color:var(--site-muted);line-height:1.45;margin:8px 0 0}:where(.pg-p11) .rc-note.on{display:block}:where(.pg-p11) .msg{display:none;border-radius:8px;padding:12px 14px;font-size:.85rem;line-height:1.5;margin:0 0 14px}:where(.pg-p11) .msg.err{background:var(--warn-tint);color:#6b3116;border:1px solid #efc9b6}:where(.pg-p11) .msg.ok{background:#eef7ee;color:#245c24;border:1px solid #bfe3bf}:where(.pg-p11) .msg.show{display:block}:where(.pg-p11) .form-card form.sent .form-field,:where(.pg-p11) .form-card form.sent .rc-wrap,:where(.pg-p11) .form-card form.sent button{display:none}:where(.pg-p11) .sidebar-alt{margin-top:18px;background:var(--paper-tint);border:1px solid var(--line);border-radius:12px;padding:18px 20px}:where(.pg-p11) .sidebar-alt p{margin:0 0 8px;font-size:.85rem;color:var(--site-muted)}:where(.pg-p11) .sidebar-alt a{color:var(--royal);font-weight:700;text-decoration:none;display:block;font-size:.94rem;margin-top:4px}:where(.pg-p11) .sidebar-alt a:hover{text-decoration:underline}:where(.pg-p11) .cta-band{background:linear-gradient(135deg,#f6ecd9 0%,var(--gold-tint) 100%);border-block:1px solid #e6d6b5}:where(.pg-p11) .cta-inner{max-width:1180px;margin:0 auto;padding:58px 20px}:where(.pg-p11) .cta-band h2{font-size:clamp(1.5rem,2.8vw,2rem);max-width:24ch}:where(.pg-p11) .cta-band p{max-width:60ch;color:#5c4a2c;font-size:1rem;line-height:1.65;margin:16px 0 28px}:where(.pg-p11) .cta-band p a{color:#3b2c12;font-weight:700}@media (max-width:900px){:where(.pg-p11) .insights-layout{grid-template-columns:1fr}:where(.pg-p11) .sidebar{position:static}:where(.pg-p11) .route-pair,:where(.pg-p11) .scheme-grid{grid-template-columns:1fr}}