*,*::before,*::after{box-sizing:border-box}html{scroll-behavior:smooth}body.ms-body{margin:0;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;color:#0f172a;background:#f6f8fb;line-height:1.6}img{max-width:100%;height:auto;display:block}a{color:#005cad;text-decoration:none}a:hover{color:#004a8c}.screen-reader-text{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0, 0, 0, 0);border:0}.ms-empty{color:#5b6573;background:#fff;border:1px dashed #e6ebf2;border-radius:12px;padding:2rem}.ms-container{width:min(100% - 2rem,1120px);margin-inline:auto}.ms-header{background:#fff;border-bottom:1px solid #e6ebf2;position:sticky;top:0;z-index:20}.ms-header__inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:72px}.ms-logo__name{font-weight:700;letter-spacing:.01em;color:#0f172a}.ms-nav__list{display:flex;flex-wrap:wrap;gap:1.25rem;list-style:none;margin:0;padding:0}.ms-nav__list a{color:#0f172a;font-size:.95rem}.ms-nav-toggle{display:none;width:42px;height:42px;border:1px solid #e6ebf2;border-radius:8px;background:#fff;cursor:pointer}.ms-nav-toggle__bar,.ms-nav-toggle__bar::before,.ms-nav-toggle__bar::after{display:block;width:18px;height:2px;background:#0f172a;margin:0 auto;position:relative}.ms-nav-toggle__bar::before,.ms-nav-toggle__bar::after{content:"";position:absolute;left:0}.ms-nav-toggle__bar::before{top:-6px}.ms-nav-toggle__bar::after{top:6px}.ms-main{min-height:60vh}.ms-footer{margin-top:4rem;border-top:1px solid #e6ebf2;background:#fff}.ms-footer__inner{display:flex;justify-content:space-between;gap:1rem;align-items:center;min-height:88px;color:#5b6573;font-size:.9rem}.ms-footer__nav{display:flex;gap:1rem;list-style:none;margin:0;padding:0}@media(max-width: 800px){.ms-nav-toggle{display:inline-flex;align-items:center;justify-content:center}.ms-nav{display:none;position:absolute;left:0;right:0;top:72px;background:#fff;border-bottom:1px solid #e6ebf2;padding:1rem 1.5rem 1.25rem}.ms-nav.is-open{display:block}.ms-nav__list{flex-direction:column;gap:.75rem}.ms-footer__inner{flex-direction:column;padding:1.5rem 0}}.ms-hero{background:linear-gradient(160deg, #005cad 0%, #004a8c 100%);color:#fff;padding:4.5rem 0 4rem}.ms-hero__eyebrow,.ms-page-head__eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:.75rem;font-weight:700;margin:0 0 .75rem}.ms-hero__title,.ms-page-head__title,.ms-article__title{font-size:clamp(2rem,4vw,3.2rem);line-height:1.15;margin:0;letter-spacing:-0.03em}.ms-hero__tagline,.ms-page-head__desc{max-width:40rem;margin:1rem 0 0;opacity:.92}.ms-page-head{padding:3rem 0 1rem}.ms-section{padding:3rem 0}.ms-section__head{display:flex;justify-content:space-between;gap:1rem;align-items:end;margin-bottom:1.5rem}.ms-section__head h2{margin:0;font-size:1.5rem}.ms-chips{display:flex;flex-wrap:wrap;gap:.5rem;list-style:none;margin:0;padding:0}.ms-chips a{display:inline-block;padding:.35rem .75rem;border-radius:999px;background:#fff;border:1px solid #e6ebf2;color:#0f172a;font-size:.85rem}.ms-grid{display:grid;grid-template-columns:repeat(auto-fill, minmax(260px, 1fr));gap:1.25rem}.ms-card{background:#fff;border:1px solid #e6ebf2;border-radius:12px;overflow:hidden;box-shadow:0 10px 30px rgba(15,23,42,.06);display:flex;flex-direction:column}.ms-card__media{display:block;aspect-ratio:3/2;background:#d7e4f3;overflow:hidden}.ms-card__img,.ms-card__placeholder{width:100%;height:100%;-o-object-fit:cover;object-fit:cover}.ms-card__placeholder{display:block;background:linear-gradient(135deg, #c5d8ee, #eef3f9)}.ms-card__body{padding:1.1rem 1.15rem 1.25rem}.ms-card__meta,.ms-article__meta,.ms-card__date{color:#5b6573;font-size:.82rem;margin:0 0 .4rem}.ms-card__title{font-size:1.15rem;margin:0 0 .5rem;line-height:1.3}.ms-card__title a{color:#0f172a}.ms-card__excerpt{margin:0 0 .75rem;color:#5b6573;font-size:.95rem}.ms-article{padding:3rem 0 1rem}.ms-article__hero{margin:1.5rem 0 2rem}.ms-article__hero-img{width:100%;border-radius:12px;box-shadow:0 10px 30px rgba(15,23,42,.06)}.ms-prose{font-size:1.05rem;max-width:46rem}.ms-prose>*:first-child{margin-top:0}.ms-prose h2,.ms-prose h3{letter-spacing:-0.02em}.ms-pagination{margin-top:2rem}.ms-pagination .page-numbers{display:flex;flex-wrap:wrap;gap:.4rem;list-style:none;padding:0;margin:0}.ms-pagination a,.ms-pagination span{display:inline-flex;min-width:2.25rem;height:2.25rem;align-items:center;justify-content:center;border:1px solid #e6ebf2;border-radius:8px;background:#fff;color:#0f172a;padding:0 .6rem}.ms-pagination .current{background:#005cad;border-color:#005cad;color:#fff}.gform_wrapper{background:#fff;border:1px solid #e6ebf2;border-radius:12px;padding:1.5rem;box-shadow:0 10px 30px rgba(15,23,42,.06)}.gform_wrapper input[type=text],.gform_wrapper input[type=email],.gform_wrapper textarea{width:100%;border:1px solid #e6ebf2;border-radius:8px;padding:.7rem .85rem}.gform_wrapper .gform_button{background:#005cad;color:#fff;border:0;border-radius:8px;padding:.75rem 1.4rem;cursor:pointer}