:root {
  --bg: #eef4fb;
  --panel: #ffffff;
  --ink: #111827;
  --muted: #667085;
  --line: #e5e7eb;
  --brand: #0f4dc2;
  --brand-dark: #0a2d70;
  --brand-soft: #eaf1ff;
  --accent: #13a86b;
  --gold: #f59e0b;
  --cyan: #37bdf8;
  --radius-lg: 30px;
  --radius-md: 20px;
  --shadow: 0 30px 90px rgba(15, 23, 42, .18);
  --shadow-soft: 0 16px 45px rgba(15, 23, 42, .1);
  --ring: 0 0 0 4px rgba(15, 77, 194, .12);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background:
    linear-gradient(rgba(15, 77, 194, .04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(15, 77, 194, .04) 1px, transparent 1px),
    radial-gradient(circle at top left, rgba(15, 77, 194, .12), transparent 34rem),
    radial-gradient(circle at top right, rgba(19, 168, 107, .12), transparent 32rem),
    var(--bg);
  background-size: 44px 44px, 44px 44px, auto, auto, auto;
  text-rendering: optimizeLegibility;
}

a {
  color: inherit;
  text-decoration: none;
}

a,
button {
  transition: color .2s ease, background .2s ease, border-color .2s ease, box-shadow .2s ease, transform .2s ease;
}

a:focus-visible,
button:focus-visible,
input:focus-visible {
  outline: none;
  box-shadow: var(--ring);
}

img {
  display: block;
  width: 100%;
  max-width: 100%;
}

.page {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
}

.topbar {
  position: relative;
  overflow: hidden;
  color: #ffffff;
  background: linear-gradient(90deg, #071832, #0f4dc2 58%, #07885d);
  font-size: 14px;
}

.topbar::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, .18), transparent);
  transform: translateX(-100%);
  animation: topbar-sheen 7s ease-in-out infinite;
}

.topbar .page {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 10px 0;
}

.ticker {
  display: flex;
  gap: 16px;
  overflow: hidden;
  white-space: nowrap;
}

.ticker strong {
  color: #d1fadf;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  border-bottom: 1px solid rgba(229, 231, 235, .86);
  background: rgba(255, 255, 255, .76);
  backdrop-filter: blur(22px) saturate(160%);
  box-shadow: 0 8px 30px rgba(15, 23, 42, .05);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 20px 0;
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-size: 23px;
  font-weight: 900;
  letter-spacing: -.04em;
}

.logo-mark {
  display: grid;
  width: 44px;
  height: 44px;
  place-items: center;
  border-radius: 15px;
  color: #ffffff;
  background:
    radial-gradient(circle at 30% 20%, rgba(255, 255, 255, .42), transparent 24px),
    linear-gradient(145deg, var(--brand), var(--accent));
  box-shadow: 0 14px 30px rgba(15, 77, 194, .28);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 22px;
  color: #344054;
  font-size: 15px;
  font-weight: 800;
}

.nav-links a {
  position: relative;
  padding: 8px 0;
}

.nav-links a::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 2px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--brand), var(--accent));
  opacity: 0;
  transform: scaleX(.5);
  transition: opacity .2s ease, transform .2s ease;
}

.nav-links a:hover {
  color: var(--brand);
}

.nav-links a:hover::after {
  opacity: 1;
  transform: scaleX(1);
}

.menu-check {
  display: none;
}

.menu-toggle {
  display: none;
  width: 46px;
  height: 46px;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
  border: 1px solid rgba(15, 77, 194, .14);
  border-radius: 15px;
  background: rgba(255, 255, 255, .86);
  box-shadow: 0 12px 28px rgba(15, 23, 42, .08);
  cursor: pointer;
}

.menu-toggle span {
  display: block;
  width: 21px;
  height: 2px;
  border-radius: 999px;
  background: var(--brand-dark);
  transition: transform .2s ease, opacity .2s ease;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 0;
  border-radius: 999px;
  color: #ffffff;
  background: linear-gradient(135deg, var(--brand), #1d6cf0);
  padding: 12px 20px;
  font-weight: 900;
  box-shadow: 0 12px 28px rgba(15, 77, 194, .24);
}

.button:hover {
  transform: translateY(-2px);
  box-shadow: 0 18px 42px rgba(15, 77, 194, .28);
}

.button.light {
  color: var(--brand-dark);
  background: #ffffff;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.35fr .8fr;
  gap: 26px;
  padding: 38px 0 30px;
}

.lead-card,
.rate-card,
.newsletter,
.article-card,
.editor-card,
.side-card,
.table-panel,
.article-body,
.legal-card {
  border: 1px solid rgba(255, 255, 255, .72);
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, .9);
  box-shadow: var(--shadow-soft);
}

.lead-card {
  position: relative;
  min-height: 545px;
  overflow: hidden;
  border-radius: var(--radius-lg);
  color: #ffffff;
  box-shadow: var(--shadow);
  isolation: isolate;
}

.lead-card img,
.article-hero img {
  height: 100%;
  object-fit: cover;
  transform: scale(1.01);
  transition: transform .8s ease, filter .8s ease;
}

.lead-card::after,
.article-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 22% 18%, rgba(55, 189, 248, .28), transparent 28rem),
    linear-gradient(180deg, rgba(2, 6, 23, .05), rgba(2, 6, 23, .82));
}

.lead-card::before,
.article-hero::before {
  content: "";
  position: absolute;
  inset: 18px;
  z-index: 1;
  border: 1px solid rgba(255, 255, 255, .2);
  border-radius: calc(var(--radius-lg) - 12px);
  pointer-events: none;
}

.lead-card:hover img,
.article-hero:hover img {
  filter: saturate(1.08) contrast(1.04);
  transform: scale(1.06);
}

.lead-content {
  position: absolute;
  inset: auto 0 0;
  z-index: 2;
  padding: clamp(28px, 5vw, 46px);
}

.eyebrow,
.tag {
  display: inline-flex;
  width: fit-content;
  align-items: center;
  gap: 8px;
  border-radius: 999px;
  padding: 8px 12px;
  font-size: 13px;
  font-weight: 900;
}

.eyebrow {
  border: 1px solid rgba(255, 255, 255, .32);
  color: #ffffff;
  background: rgba(255, 255, 255, .16);
  backdrop-filter: blur(12px);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, .2);
}

.eyebrow.dark,
.tag {
  border: 1px solid #d7e3ff;
  color: var(--brand);
  background: linear-gradient(135deg, #eff4ff, #f8fbff);
}

h1,
h2,
h3 {
  letter-spacing: -.05em;
}

.lead-content h1 {
  max-width: 820px;
  margin: 20px 0 16px;
  font-size: clamp(40px, 6vw, 76px);
  line-height: .96;
  text-shadow: 0 18px 50px rgba(0, 0, 0, .35);
}

.insight-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin: 0 0 22px;
}

.insight-block {
  position: relative;
  display: flex;
  min-height: 190px;
  flex-direction: column;
  justify-content: space-between;
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, .78);
  border-radius: 22px;
  background:
    linear-gradient(145deg, rgba(255, 255, 255, .95), rgba(239, 246, 255, .9)),
    radial-gradient(circle at 85% 15%, rgba(55, 189, 248, .18), transparent 9rem);
  padding: 22px;
  box-shadow: var(--shadow-soft);
}

.insight-block::before {
  content: "";
  position: absolute;
  inset: 0 auto 0 0;
  width: 5px;
  background: linear-gradient(180deg, var(--brand), var(--accent));
  opacity: .8;
}

.insight-block span {
  width: fit-content;
  border-radius: 999px;
  color: var(--brand);
  background: var(--brand-soft);
  padding: 7px 10px;
  font-size: 12px;
  font-weight: 950;
}

.insight-block strong {
  display: block;
  margin-top: 22px;
  font-size: 20px;
  letter-spacing: -.04em;
}

.insight-block p {
  margin: 8px 0 0;
  color: var(--muted);
  line-height: 1.55;
}

.insight-block:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow);
}

.lead-content p,
.article-hero p {
  max-width: 720px;
  margin: 0;
  color: rgba(255, 255, 255, .86);
  font-size: 18px;
  line-height: 1.65;
}

.meta {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 24px;
}

.meta span {
  border-radius: 999px;
  background: rgba(255, 255, 255, .17);
  padding: 9px 12px;
  color: #ffffff;
  font-size: 13px;
  font-weight: 850;
}

.side-stack {
  display: grid;
  gap: 18px;
}

.rate-card,
.newsletter,
.side-card {
  padding: 24px;
}

.rate-card,
.side-card,
.table-panel,
.article-body,
.legal-card {
  backdrop-filter: blur(12px);
}

.rate-card h2,
.newsletter h2,
.section-heading h2,
.table-panel h2,
.side-card h3 {
  margin: 12px 0;
}

.rate-list {
  display: grid;
  gap: 12px;
  margin-top: 18px;
}

.rate-item {
  position: relative;
  display: flex;
  justify-content: space-between;
  gap: 18px;
  overflow: hidden;
  border-radius: 16px;
  background: linear-gradient(135deg, #f8fafc, #ffffff);
  padding: 16px;
  border: 1px solid rgba(15, 77, 194, .06);
}

.rate-item::before {
  content: "";
  position: absolute;
  inset: 0 auto 0 0;
  width: 4px;
  background: linear-gradient(180deg, var(--brand), var(--accent));
}

.rate-item span {
  color: var(--muted);
  font-size: 13px;
  font-weight: 700;
}

.rate-item strong {
  color: var(--accent);
  font-size: 23px;
  letter-spacing: -.04em;
}

.newsletter {
  position: relative;
  overflow: hidden;
  color: #ffffff;
  background:
    radial-gradient(circle at 100% 0, rgba(19, 168, 107, .45), transparent 12rem),
    linear-gradient(160deg, #071832, #0f4dc2);
}

.newsletter::after {
  content: "";
  position: absolute;
  right: -60px;
  bottom: -70px;
  width: 180px;
  height: 180px;
  border-radius: 50%;
  background: rgba(255, 255, 255, .1);
}

.newsletter p {
  position: relative;
  z-index: 1;
  color: rgba(255, 255, 255, .75);
  line-height: 1.6;
}

.newsletter-form {
  position: relative;
  z-index: 1;
  display: flex;
  gap: 8px;
  margin-top: 18px;
  border-radius: 16px;
  background: rgba(255, 255, 255, .13);
  padding: 6px;
}

.newsletter-form input {
  min-width: 0;
  flex: 1;
  border: 0;
  outline: 0;
  color: #ffffff;
  background: transparent;
  padding: 12px;
}

.newsletter-form input:focus {
  box-shadow: none;
}

.newsletter-form input::placeholder {
  color: rgba(255, 255, 255, .68);
}

.newsletter-form button {
  border: 0;
  border-radius: 13px;
  color: var(--brand-dark);
  background: #ffffff;
  padding: 12px 15px;
  font-weight: 900;
}

.newsletter-form button:hover {
  transform: translateY(-1px);
  box-shadow: 0 12px 28px rgba(255, 255, 255, .18);
}

.form-status {
  position: relative;
  z-index: 1;
  min-height: 22px;
  margin: 12px 0 0;
  color: #d1fadf;
  font-size: 14px;
  font-weight: 850;
}

.section-heading {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 20px;
  margin: 42px 0 20px;
}

.section-heading h2 {
  font-size: clamp(30px, 4vw, 44px);
  line-height: 1;
}

.section-heading p {
  max-width: 680px;
  margin: 8px 0 0;
  color: var(--muted);
  line-height: 1.65;
}

.news-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.article-card {
  overflow: hidden;
  border-color: rgba(255, 255, 255, .82);
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}

.article-card:hover {
  transform: translateY(-8px);
  border-color: rgba(15, 77, 194, .16);
  box-shadow: var(--shadow);
}

.article-card img {
  height: 210px;
  object-fit: cover;
  transition: transform .55s ease, filter .55s ease;
}

.article-card:hover img {
  filter: saturate(1.08);
  transform: scale(1.06);
}

.article-body-small {
  position: relative;
  padding: 22px;
}

.article-body-small::before {
  content: "";
  position: absolute;
  top: 0;
  left: 22px;
  right: 22px;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(15, 77, 194, .2), transparent);
}

.article-body-small h3 {
  margin: 14px 0 10px;
  font-size: 22px;
  line-height: 1.18;
  transition: color .2s ease;
}

.article-card:hover h3,
.editor-card:hover h3 {
  color: var(--brand);
}

.article-body-small p {
  margin: 0;
  color: var(--muted);
  line-height: 1.6;
}

.article-footer {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  margin-top: 20px;
  color: #98a2b3;
  font-size: 13px;
  font-weight: 850;
}

.feature-band {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 320px;
  gap: 26px;
  overflow: hidden;
  border-radius: var(--radius-lg);
  margin: 34px 0;
  color: #ffffff;
  background:
    linear-gradient(135deg, rgba(7, 24, 50, .95), rgba(15, 77, 194, .88)),
    url("https://images.unsplash.com/photo-1642790551116-18e150f248e1?auto=format&fit=crop&w=1500&q=82") center/cover;
  padding: clamp(28px, 5vw, 46px);
  box-shadow: var(--shadow);
}

.feature-band::before {
  content: "";
  position: absolute;
  inset: 18px;
  border: 1px solid rgba(255, 255, 255, .18);
  border-radius: calc(var(--radius-lg) - 12px);
  pointer-events: none;
}

.feature-band::after {
  content: "";
  position: absolute;
  right: -120px;
  top: -120px;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  background: rgba(19, 168, 107, .28);
  filter: blur(2px);
}

.feature-content,
.feature-stat {
  position: relative;
  z-index: 1;
}

.feature-content h2 {
  max-width: 760px;
  margin: 18px 0 14px;
  font-size: clamp(34px, 5vw, 58px);
  line-height: 1;
}

.feature-content p {
  max-width: 760px;
  color: rgba(255, 255, 255, .8);
  font-size: 18px;
  line-height: 1.7;
}

.feature-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 14px;
  margin-top: 24px;
}

.ghost-link {
  display: inline-flex;
  align-items: center;
  border-bottom: 1px solid rgba(255, 255, 255, .5);
  color: rgba(255, 255, 255, .88);
  font-weight: 900;
}

.ghost-link:hover {
  color: #ffffff;
  transform: translateY(-2px);
}

.feature-stat {
  align-self: end;
  border: 1px solid rgba(255, 255, 255, .2);
  border-radius: 24px;
  background: rgba(255, 255, 255, .14);
  padding: 24px;
  backdrop-filter: blur(16px);
}

.feature-stat span {
  color: rgba(255, 255, 255, .78);
  font-weight: 850;
}

.feature-stat strong {
  display: block;
  margin: 10px 0;
  font-size: clamp(46px, 7vw, 72px);
  letter-spacing: -.07em;
}

.feature-stat p {
  margin: 0;
  color: rgba(255, 255, 255, .78);
  line-height: 1.6;
}

.content-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 350px;
  gap: 24px;
  align-items: start;
  margin: 26px 0 48px;
}

.content-layout > aside {
  display: grid;
  gap: 22px;
  align-content: start;
}

.editor-card {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 24px;
  overflow: hidden;
  margin-bottom: 18px;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}

.editor-card:hover {
  transform: translateY(-5px);
  border-color: rgba(15, 77, 194, .16);
  box-shadow: var(--shadow);
}

.editor-card img {
  height: 100%;
  min-height: 230px;
  object-fit: cover;
  transition: transform .55s ease, filter .55s ease;
}

.editor-card:hover img {
  filter: saturate(1.08);
  transform: scale(1.06);
}

.editor-body {
  padding: 26px 28px 26px 0;
}

.editor-body h3 {
  margin: 12px 0;
  font-size: 31px;
  line-height: 1.08;
}

.editor-body p,
.side-card p,
.table-panel p {
  color: var(--muted);
  line-height: 1.65;
}

.side-list {
  display: grid;
  gap: 12px;
  margin-top: 18px;
}

.side-list a {
  position: relative;
  display: block;
  overflow: hidden;
  border-radius: 14px;
  background: linear-gradient(135deg, #f8fafc, #ffffff);
  padding: 14px;
  color: #344054;
  font-weight: 850;
  line-height: 1.35;
  border: 1px solid rgba(15, 77, 194, .06);
}

.side-list a::before {
  content: "";
  position: absolute;
  inset: 0 auto 0 0;
  width: 3px;
  background: linear-gradient(180deg, var(--brand), var(--accent));
  opacity: 0;
  transition: opacity .2s ease;
}

.side-list a:hover {
  color: var(--brand);
  transform: translateX(4px);
  box-shadow: 0 12px 28px rgba(15, 23, 42, .08);
}

.side-list a:hover::before {
  opacity: 1;
}

.table-panel {
  overflow: hidden;
  margin: 34px 0 46px;
  padding: 26px;
}

.check-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 22px 0 24px;
}

.check-card {
  position: relative;
  overflow: hidden;
  border: 1px solid rgba(15, 77, 194, .08);
  border-radius: 18px;
  background:
    radial-gradient(circle at top right, rgba(19, 168, 107, .12), transparent 8rem),
    linear-gradient(145deg, #ffffff, #f8fbff);
  padding: 18px;
}

.check-card span {
  display: inline-grid;
  width: 34px;
  height: 34px;
  place-items: center;
  border-radius: 12px;
  color: #ffffff;
  background: linear-gradient(135deg, var(--accent), #0c8a58);
  font-size: 12px;
  font-weight: 950;
}

.check-card strong {
  display: block;
  margin-top: 14px;
  font-size: 18px;
  letter-spacing: -.03em;
}

.check-card p {
  margin: 8px 0 0;
  color: var(--muted);
  line-height: 1.55;
}

.rate-table {
  width: 100%;
  margin-top: 20px;
  border-collapse: separate;
  border-spacing: 0;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 18px;
}

.rate-table th,
.rate-table td {
  border-bottom: 1px solid var(--line);
  padding: 17px 16px;
  text-align: left;
}

.rate-table th {
  color: #475467;
  background: linear-gradient(135deg, #f8fafc, #edf4ff);
  font-size: 13px;
  letter-spacing: .06em;
  text-transform: uppercase;
}

.rate-table td {
  color: #344054;
  font-weight: 750;
  background: rgba(255, 255, 255, .76);
}

.rate-table tbody tr:hover td {
  background: #f8fbff;
}

.rate-table tr:last-child td {
  border-bottom: 0;
}

.positive {
  color: var(--accent);
  font-weight: 950;
}

.article-hero {
  position: relative;
  min-height: 520px;
  overflow: hidden;
  border-radius: var(--radius-lg);
  margin: 34px 0 26px;
  color: #ffffff;
  box-shadow: var(--shadow);
  isolation: isolate;
}

.article-hero-content {
  position: absolute;
  inset: auto 0 0;
  z-index: 2;
  max-width: 900px;
  padding: clamp(28px, 5vw, 54px);
}

.article-hero h1,
.legal-hero h1 {
  margin: 20px 0 16px;
  font-size: clamp(40px, 6vw, 74px);
  line-height: .96;
  text-shadow: 0 18px 50px rgba(0, 0, 0, .35);
}

.article-body,
.legal-card {
  padding: clamp(24px, 5vw, 46px);
  position: relative;
  overflow: hidden;
}

.article-body::before,
.legal-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 5px;
  background: linear-gradient(90deg, var(--brand), var(--accent), var(--cyan));
}

.article-body p,
.legal-card p,
.legal-card li {
  color: #344054;
  font-size: 18px;
  line-height: 1.8;
}

.article-body p:first-of-type {
  font-size: 20px;
  color: #1f2937;
}

.article-body h2,
.legal-card h2 {
  position: relative;
  margin: 32px 0 10px;
  font-size: 30px;
  padding-left: 18px;
}

.article-body h2::before,
.legal-card h2::before {
  content: "";
  position: absolute;
  left: 0;
  top: .28em;
  width: 5px;
  height: .95em;
  border-radius: 999px;
  background: linear-gradient(180deg, var(--brand), var(--accent));
}

.article-body blockquote {
  margin: 28px 0;
  border: 1px solid rgba(19, 168, 107, .2);
  border-left: 5px solid var(--accent);
  border-radius: 18px;
  color: #0b3b2b;
  background:
    radial-gradient(circle at top right, rgba(19, 168, 107, .16), transparent 12rem),
    #ecfdf3;
  padding: 24px;
  font-size: 20px;
  font-weight: 850;
  line-height: 1.55;
}

.source-box {
  margin-top: 30px;
  border-radius: 18px;
  border: 1px solid rgba(15, 77, 194, .09);
  background: linear-gradient(135deg, #f8fafc, #ffffff);
  padding: 18px;
  color: #475467;
  font-size: 15px;
  line-height: 1.6;
}

.source-box a {
  color: var(--brand);
  font-weight: 850;
}

.legal-hero {
  position: relative;
  overflow: hidden;
  border-radius: var(--radius-lg);
  margin: 34px 0 24px;
  color: #ffffff;
  background:
    linear-gradient(135deg, rgba(11, 31, 69, .96), rgba(15, 77, 194, .86)),
    url("https://images.unsplash.com/photo-1497366754035-f200968a6e72?auto=format&fit=crop&w=1400&q=80") center/cover;
  padding: clamp(32px, 5vw, 54px);
  box-shadow: var(--shadow);
}

.legal-hero::after {
  content: "";
  position: absolute;
  inset: 18px;
  border: 1px solid rgba(255, 255, 255, .18);
  border-radius: calc(var(--radius-lg) - 12px);
  pointer-events: none;
}

.legal-hero > * {
  position: relative;
  z-index: 1;
}

.legal-hero p {
  max-width: 760px;
  color: rgba(255, 255, 255, .84);
  font-size: 18px;
  line-height: 1.65;
}

.site-footer {
  color: #ffffff;
  background:
    radial-gradient(circle at 15% 20%, rgba(15, 77, 194, .32), transparent 22rem),
    radial-gradient(circle at 85% 0, rgba(19, 168, 107, .22), transparent 18rem),
    #0b1220;
  padding: 42px 0;
}

.footer-grid {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.footer-grid p {
  max-width: 680px;
  margin: 8px 0 0;
  color: rgba(255, 255, 255, .66);
  line-height: 1.6;
}

.footer-actions {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 14px;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 14px;
  color: rgba(255, 255, 255, .72);
  font-size: 14px;
  font-weight: 850;
}

.footer-links a:hover {
  color: #ffffff;
}

@keyframes topbar-sheen {
  0%, 45% {
    transform: translateX(-100%);
  }

  70%, 100% {
    transform: translateX(100%);
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    scroll-behavior: auto !important;
    transition-duration: .01ms !important;
  }
}

@media (max-width: 940px) {
  .topbar .page,
  .section-heading,
  .footer-grid {
    align-items: flex-start;
    flex-direction: column;
  }

  .nav {
    align-items: center;
    flex-wrap: wrap;
    gap: 14px;
  }

  .menu-toggle {
    display: inline-flex;
    margin-left: auto;
  }

  .nav-links {
    display: none;
    width: 100%;
    flex-basis: 100%;
    flex-direction: column;
    align-items: stretch;
    gap: 4px;
    overflow: visible;
    border: 1px solid rgba(15, 77, 194, .1);
    border-radius: 18px;
    background: rgba(255, 255, 255, .92);
    padding: 10px;
    box-shadow: var(--shadow-soft);
  }

  .nav-links a {
    border-radius: 12px;
    padding: 13px 12px;
  }

  .nav-links a::after {
    display: none;
  }

  .menu-check:checked + .menu-toggle span:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
  }

  .menu-check:checked + .menu-toggle span:nth-child(2) {
    opacity: 0;
  }

  .menu-check:checked + .menu-toggle span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
  }

  .menu-check:checked ~ .nav-links {
    display: flex;
  }

  .nav > .button {
    display: none;
  }

  .hero-grid,
  .content-layout,
  .feature-band {
    grid-template-columns: 1fr;
  }

  .hero-grid {
    padding-top: 26px;
  }

  .insight-strip,
  .check-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .news-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .editor-card {
    grid-template-columns: 1fr;
  }

  .editor-body {
    padding: 0 24px 24px;
  }

  .footer-actions {
    align-items: flex-start;
  }
}

@media (max-width: 640px) {
  .page {
    width: min(100% - 24px, 1180px);
  }

  .lead-card,
  .article-hero {
    min-height: 590px;
  }

  .lead-content h1,
  .article-hero h1,
  .legal-hero h1 {
    letter-spacing: -.06em;
  }

  .news-grid {
    grid-template-columns: 1fr;
  }

  .insight-strip,
  .check-grid {
    grid-template-columns: 1fr;
  }

  .insight-block {
    min-height: auto;
  }

  .feature-band {
    padding: 26px;
  }

  .feature-actions {
    align-items: stretch;
    flex-direction: column;
  }

  .ghost-link {
    width: fit-content;
  }

  .newsletter-form {
    flex-direction: column;
  }

  .table-panel {
    overflow-x: auto;
  }

  .rate-table {
    min-width: 720px;
  }

  .button {
    width: 100%;
  }

  .lead-card::before,
  .article-hero::before,
  .legal-hero::after {
    inset: 10px;
  }
}

/* Alternate editorial theme for reuse on a different site */
:root {
  --bg: #f7f0e4;
  --panel: #fffaf0;
  --ink: #18231f;
  --muted: #6d675d;
  --line: #ded2bd;
  --brand: #214c3b;
  --brand-dark: #10261e;
  --brand-soft: #e8f0df;
  --accent: #b98524;
  --gold: #d8a441;
  --cyan: #7e9f87;
  --radius-lg: 14px;
  --radius-md: 10px;
  --shadow: 0 26px 70px rgba(52, 41, 26, .16);
  --shadow-soft: 0 14px 32px rgba(52, 41, 26, .1);
  --ring: 0 0 0 4px rgba(185, 133, 36, .18);
}

body {
  background:
    radial-gradient(circle at 8% 0, rgba(185, 133, 36, .16), transparent 28rem),
    radial-gradient(circle at 92% 10%, rgba(33, 76, 59, .13), transparent 30rem),
    linear-gradient(90deg, rgba(24, 35, 31, .045) 1px, transparent 1px),
    var(--bg);
  background-size: auto, auto, 76px 76px, auto;
}

.page {
  width: min(1160px, calc(100% - 40px));
}

.topbar {
  border-bottom: 1px solid rgba(255, 255, 255, .16);
  background: #18231f;
}

.topbar::after {
  display: none;
}

.ticker strong {
  color: #f4d58b;
}

.site-header {
  border-bottom: 2px solid #18231f;
  background: rgba(255, 250, 240, .92);
  box-shadow: 0 10px 0 rgba(24, 35, 31, .04);
}

.nav {
  padding: 18px 0;
}

.logo {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 27px;
  letter-spacing: -.03em;
}

.logo-mark {
  border: 2px solid #18231f;
  border-radius: 50%;
  color: #18231f;
  background: #f4d58b;
  box-shadow: 7px 7px 0 rgba(24, 35, 31, .14);
}

.nav-links {
  color: #2e3b34;
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: .04em;
}

.nav-links a::after {
  height: 3px;
  background: var(--accent);
}

.button {
  border: 2px solid #18231f;
  border-radius: 8px;
  color: #18231f;
  background: #f4d58b;
  box-shadow: 5px 5px 0 rgba(24, 35, 31, .18);
}

.button:hover {
  transform: translate(-2px, -2px);
  box-shadow: 8px 8px 0 rgba(24, 35, 31, .18);
}

.button.light {
  border-color: #f4d58b;
  color: #f4d58b;
  background: transparent;
}

.lead-card,
.rate-card,
.newsletter,
.article-card,
.editor-card,
.side-card,
.table-panel,
.article-body,
.legal-card {
  border: 2px solid rgba(24, 35, 31, .14);
  background: rgba(255, 250, 240, .94);
  box-shadow: 8px 8px 0 rgba(24, 35, 31, .08);
}

.lead-card,
.article-hero,
.legal-hero,
.feature-band {
  border: 2px solid #18231f;
  box-shadow: 12px 12px 0 rgba(24, 35, 31, .12);
}

.lead-card::after,
.article-hero::after {
  background:
    linear-gradient(90deg, rgba(24, 35, 31, .82), rgba(24, 35, 31, .42)),
    linear-gradient(180deg, transparent, rgba(24, 35, 31, .58));
}

.lead-card::before,
.article-hero::before,
.legal-hero::after,
.feature-band::before {
  border-color: rgba(244, 213, 139, .38);
  border-radius: 8px;
}

.lead-content {
  max-width: 760px;
}

.lead-content h1,
.article-hero h1,
.legal-hero h1,
.feature-content h2 {
  font-family: Georgia, "Times New Roman", serif;
  letter-spacing: -.045em;
}

.lead-content h1 {
  font-size: clamp(42px, 6vw, 82px);
}

.eyebrow {
  border-color: rgba(244, 213, 139, .42);
  border-radius: 6px;
  color: #f4d58b;
  background: rgba(24, 35, 31, .42);
  text-transform: uppercase;
  letter-spacing: .08em;
}

.eyebrow.dark,
.tag {
  border: 1px solid rgba(185, 133, 36, .25);
  border-radius: 6px;
  color: #654510;
  background: #fff1c7;
  text-transform: uppercase;
  letter-spacing: .06em;
}

.meta span {
  border: 1px solid rgba(244, 213, 139, .28);
  border-radius: 6px;
  background: rgba(24, 35, 31, .38);
}

.insight-block {
  border: 2px solid rgba(24, 35, 31, .12);
  border-radius: 10px;
  background: #fffaf0;
  box-shadow: 6px 6px 0 rgba(24, 35, 31, .08);
}

.insight-block::before,
.rate-item::before,
.side-list a::before {
  background: var(--accent);
}

.insight-block:hover,
.article-card:hover,
.editor-card:hover {
  transform: translate(-3px, -3px);
  box-shadow: 12px 12px 0 rgba(24, 35, 31, .11);
}

.rate-item,
.side-list a,
.check-card,
.source-box {
  border: 1px solid rgba(24, 35, 31, .1);
  border-radius: 8px;
  background: #fffdf7;
}

.rate-item strong,
.positive {
  color: #8a5c13;
}

.newsletter {
  border-color: #18231f;
  background:
    radial-gradient(circle at 100% 0, rgba(244, 213, 139, .24), transparent 13rem),
    #214c3b;
}

.newsletter-form {
  border: 1px solid rgba(244, 213, 139, .28);
  border-radius: 8px;
  background: rgba(24, 35, 31, .22);
}

.newsletter-form button {
  border-radius: 6px;
  color: #18231f;
  background: #f4d58b;
}

.form-status {
  color: #f4d58b;
}

.section-heading {
  align-items: center;
  border-top: 2px solid #18231f;
  border-bottom: 1px solid rgba(24, 35, 31, .16);
  padding: 24px 0 18px;
}

.section-heading h2 {
  font-family: Georgia, "Times New Roman", serif;
}

.article-card {
  border-radius: 10px;
}

.news-grid .article-card:first-child {
  grid-column: span 2;
}

.news-grid .article-card:first-child img {
  height: 310px;
}

.news-grid .article-card:first-child h3 {
  font-size: 30px;
}

.news-grid .article-card:last-child {
  display: grid;
  grid-column: span 2;
  grid-template-columns: .85fr 1fr;
}

.news-grid .article-card:last-child img {
  height: 100%;
  min-height: 260px;
}

.article-card img {
  height: 230px;
  filter: saturate(.9) contrast(1.04);
}

.article-body-small h3,
.editor-body h3,
.side-card h3,
.rate-card h2,
.newsletter h2,
.table-panel h2 {
  font-family: Georgia, "Times New Roman", serif;
}

.article-footer {
  border-top: 1px solid rgba(24, 35, 31, .12);
  padding-top: 14px;
  color: #8a8172;
}

.feature-band {
  background:
    linear-gradient(135deg, rgba(24, 35, 31, .94), rgba(33, 76, 59, .86)),
    url("https://images.unsplash.com/photo-1642790551116-18e150f248e1?auto=format&fit=crop&w=1500&q=82") center/cover;
}

.feature-stat {
  border: 1px solid rgba(244, 213, 139, .32);
  border-radius: 10px;
  background: rgba(244, 213, 139, .12);
}

.feature-stat strong {
  font-family: Georgia, "Times New Roman", serif;
  color: #f4d58b;
}

.editor-card {
  border-radius: 10px;
}

.table-panel {
  border-top: 5px solid #214c3b;
}

.rate-table {
  border-color: rgba(24, 35, 31, .16);
  border-radius: 8px;
}

.rate-table th {
  color: #18231f;
  background: #efe2c7;
}

.rate-table td {
  background: #fffaf0;
}

.rate-table tbody tr:hover td {
  background: #fff3d4;
}

.article-body::before,
.legal-card::before {
  background: #214c3b;
}

.article-body blockquote {
  border-color: rgba(185, 133, 36, .26);
  border-left-color: var(--accent);
  color: #3b2b10;
  background: #fff4d3;
}

.article-body h2::before,
.legal-card h2::before {
  background: var(--accent);
}

.legal-hero {
  background:
    linear-gradient(135deg, rgba(24, 35, 31, .95), rgba(33, 76, 59, .86)),
    url("https://images.unsplash.com/photo-1497366754035-f200968a6e72?auto=format&fit=crop&w=1400&q=80") center/cover;
}

.site-footer {
  border-top: 6px solid #f4d58b;
  background:
    radial-gradient(circle at 15% 20%, rgba(244, 213, 139, .12), transparent 22rem),
    #18231f;
}

.menu-toggle {
  border: 2px solid #18231f;
  border-radius: 10px;
  background: #f4d58b;
  box-shadow: 5px 5px 0 rgba(24, 35, 31, .12);
}

.menu-toggle span {
  background: #18231f;
}

@media (max-width: 940px) {
  .nav-links {
    border: 2px solid #18231f;
    border-radius: 10px;
    background: #fffaf0;
    box-shadow: 8px 8px 0 rgba(24, 35, 31, .1);
  }

  .nav-links a:hover {
    background: #fff1c7;
  }

  .news-grid .article-card:first-child,
  .news-grid .article-card:last-child {
    grid-column: auto;
  }

  .news-grid .article-card:last-child {
    display: block;
  }

  .news-grid .article-card:first-child img,
  .news-grid .article-card:last-child img {
    height: 230px;
    min-height: 0;
  }

  .news-grid .article-card:first-child h3 {
    font-size: 22px;
  }
}

@media (max-width: 640px) {
  .page {
    width: min(100% - 28px, 1160px);
  }

  .lead-card,
  .article-hero {
    min-height: 610px;
  }

  .button {
    box-shadow: 4px 4px 0 rgba(24, 35, 31, .15);
  }
}