.expert-page{background:#0b1422;color:#edf4fc;line-height:1.78}.expert-wrap{max-width:1160px;margin:0 auto;padding:0 28px}.expert-header{position:relative;border-bottom:1px solid #263a4f;background:#0d1928}.expert-header>.expert-wrap{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:20px}.expert-header .brand{font-size:25px;letter-spacing:-.8px}.expert-header-phone{color:#eaf2fb;text-decoration:none;font-size:16px;font-weight:750}.expert-topnav{display:flex;gap:22px;flex-wrap:wrap;padding-top:0;padding-bottom:18px;font-size:13px}.expert-topnav a{color:#bfcee0;text-decoration:none}.expert-topnav a:hover{color:#58d6ff}.expert-skip{position:absolute;left:20px;top:-90px;z-index:100;padding:12px;background:#fff;color:#082135}.expert-skip:focus{top:12px}.expert-breadcrumb{font-size:12px;padding-top:22px;color:#93a8bf}.expert-breadcrumb a{color:#a9c0d7;text-decoration:none}.expert-breadcrumb span[aria-hidden]{padding:0 8px;color:#607a95}.expert-hero{padding:46px 0 43px;background:radial-gradient(ellipse at 85% 30%,rgba(19,113,153,.19),transparent 64%);border-bottom:1px solid #263a4f}.expert-kicker{text-transform:uppercase;letter-spacing:.17em;color:#65d7fc;font-size:11px;font-weight:800}.expert-hero h1{max-width:24ch;font-size:clamp(34px,4.8vw,59px);line-height:1.1;font-weight:760;letter-spacing:-.042em;margin:18px 0 22px}.expert-intro{max-width:78ch;color:#c2d1e2;font-size:18px;line-height:1.75}.expert-hero-bottom{display:flex;align-items:center;justify-content:space-between;gap:24px;margin-top:28px}.expert-proof{display:flex;flex-wrap:wrap;gap:8px 22px;font-size:12px;color:#b4c8dc}.expert-proof span::before{content:'•';color:#50cfff;padding-right:8px}.expert-layout{display:grid;grid-template-columns:230px minmax(0,1fr);gap:62px;padding-top:42px;padding-bottom:38px}.expert-toc{position:sticky;top:24px;align-self:start;font-size:12px;border-left:1px solid #2a435b;padding-left:19px}.expert-toc>span{display:block;color:#ecf5ff;font-weight:800;font-size:12px;letter-spacing:.05em;margin-bottom:15px}.expert-toc ul{list-style:none;padding:0;margin:0}.expert-toc li{margin-bottom:12px;line-height:1.5}.expert-toc a{text-decoration:none;color:#9eb6ce}.expert-toc a:hover{color:#65d7fc}.expert-article{min-width:0;max-width:760px;font-size:16px}.expert-article p{margin-bottom:19px;color:#c1cfdf}.expert-article h2{font-size:27px;letter-spacing:-.022em;line-height:1.28;margin:42px 0 18px;scroll-margin-top:28px}.expert-article>h2:first-child{margin-top:0}.expert-article h3{font-size:18px;line-height:1.4;margin:27px 0 11px;color:#ecf5ff}.expert-article ul{margin:10px 0 23px}.expert-article li{color:#bccddd;margin-bottom:11px}.expert-article a{text-underline-offset:4px}.expert-article strong{color:#f2f7fc}.expert-article section,.expert-article aside{padding:28px 0;border-bottom:0}.expert-article .expert-related h2,.expert-article .expert-sources h2,.expert-article .expert-faq h2{margin:8px 0 18px}.expert-linkgrid{display:grid;grid-template-columns:1fr 1fr;gap:10px}.expert-linkgrid a{padding:16px;background:#142438;border:1px solid #284159;border-radius:9px;color:#c8dbea;text-decoration:none;font-size:14px;line-height:1.5;transition:border-color .2s}.expert-linkgrid a:hover{border-color:#53cff5}.expert-sources{font-size:12px;color:#9cb4ca;border-top:1px solid #2b4055}.expert-sources p,.expert-sources li{color:#9cb4ca}.expert-sources h2{font-size:17px}.expert-updated{font-size:11px;color:#8fa8c1!important;margin-top:18px}.expert-cta{display:grid;grid-template-columns:1fr 300px;gap:48px;align-items:center;background:#13283b;border:1px solid #32556c;border-radius:14px;padding:36px 40px;margin:10px 0 50px}.expert-cta h2{font-size:29px;margin:11px 0 13px}.expert-cta p{margin:0;max-width:65ch}.expert-actions{display:flex;flex-direction:column;gap:12px}.expert-actions .btn{justify-content:center;text-align:center;font-size:14px}.expert-footer{border-top:1px solid #263a4f;padding:32px 0 50px;background:#08111d}.expert-footer strong{font-size:19px}.expert-footer p{font-size:12px;max-width:85ch;margin:12px 0}.expert-footer nav{display:flex;flex-wrap:wrap;gap:18px;font-size:12px;margin:20px 0}.expert-mobile-call{display:none}.expert-page a:focus-visible,.expert-page summary:focus-visible{outline:3px solid #ffd27a;outline-offset:5px}.expert-inline-links{padding:25px 0;border-block:1px solid #35516b}.expert-inline-links h2{font-size:22px}.expert-inline-links a{display:inline-block;margin:6px 20px 6px 0;color:#65d7fc}.expert-home-resources{background:#142438;padding:4rem 2rem;color:#eaf2fb}.expert-home-resources>div{max-width:1100px;margin:auto}.expert-home-resources h2{font-size:clamp(27px,4vw,42px);margin-bottom:16px}.expert-home-resources p{max-width:78ch;color:#becfe0}.expert-home-resources .expert-linkgrid{margin-top:24px;grid-template-columns:repeat(3,1fr)}
@media(max-width:1000px){.expert-layout{gap:32px;grid-template-columns:195px minmax(0,1fr)}.expert-cta{gap:25px;grid-template-columns:1fr 280px;padding:28px}.expert-topnav{gap:12px 19px}}
@media(max-width:760px){.expert-wrap{padding-left:20px;padding-right:20px}.expert-header>.expert-wrap{min-height:70px}.expert-header .brand{font-size:22px}.expert-header-phone{font-size:13px}.expert-topnav{padding-bottom:15px;font-size:12px;gap:9px 18px}.expert-breadcrumb{font-size:11px;line-height:1.8}.expert-hero{padding:30px 0}.expert-hero h1{font-size:36px;max-width:26ch;line-height:1.12}.expert-intro{font-size:16px}.expert-hero-bottom{display:block}.expert-hero-bottom .btn{margin-top:23px}.expert-proof{gap:7px 15px}.expert-layout{display:block;padding-top:27px}.expert-toc{position:static;padding:0 0 19px;border-left:0;border-bottom:1px solid #2a435b;margin-bottom:30px}.expert-toc ul{columns:2;column-gap:25px}.expert-toc li{break-inside:avoid;font-size:11px}.expert-article{font-size:15.5px;line-height:1.8}.expert-article h2{font-size:24px;margin-top:34px}.expert-linkgrid{grid-template-columns:1fr}.expert-cta{display:block;margin-bottom:30px;padding:27px 23px}.expert-actions{margin-top:25px}.expert-footer{padding-bottom:100px}.expert-mobile-call{display:block;position:fixed;bottom:0;left:0;right:0;z-index:99;background:#40c8f1;color:#052036;text-align:center;padding:15px 10px max(15px,env(safe-area-inset-bottom));font-size:13px;font-weight:850;text-decoration:none;box-shadow:0 -3px 15px #0005}.expert-home-resources{padding:3rem 1.4rem}.expert-home-resources .expert-linkgrid{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.expert-page *{transition:none!important}}