.expert-page{background:#faf7f0;color:#10273c}.expert-page .site-header{background:#fff;color:var(--navy);box-shadow:0 4px 22px #062d5210}.expert-page main{padding-top:112px}.expert-shell{width:min(1180px,calc(100% - 40px));margin-inline:auto}.expert-breadcrumbs{display:flex;flex-wrap:wrap;gap:8px;padding:26px 0 10px;color:#53657a;font-size:.82rem}.expert-breadcrumbs a{text-decoration:none}.expert-breadcrumbs a:hover,.expert-breadcrumbs a:focus-visible{text-decoration:underline}.expert-hero{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(340px,.92fr);min-height:570px;margin-top:8px;overflow:hidden;background:var(--navy);color:#fff}.expert-hero-copy{align-self:center;padding:clamp(46px,7vw,88px)}.expert-kicker{margin:0 0 15px;color:#e0b85e;font-size:.74rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase}.expert-hero h1{max-width:820px;margin:0;font:800 clamp(3.1rem,6vw,6.4rem)/.93 Nunito,Arial,sans-serif;letter-spacing:-.055em}.expert-hero p:not(.expert-kicker){max-width:690px;margin:25px 0 0;color:#e2edf7;font-size:clamp(1.05rem,1.5vw,1.26rem)}.expert-hero-media{position:relative;min-height:390px}.expert-hero-media img{width:100%;height:100%;object-fit:cover}.expert-hero-media:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#062d52 0,transparent 45%)}.expert-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}.expert-button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 20px;border:2px solid #fff;border-radius:999px;font-weight:800;text-decoration:none}.expert-button.primary{border-color:var(--pink);background:var(--pink);color:#fff}.expert-button.secondary{background:#fff;color:var(--navy)}.expert-button.dark{border-color:var(--navy);background:var(--navy);color:#fff}.expert-jump{position:sticky;z-index:5;top:88px;display:flex;gap:8px;overflow:auto;margin:0;padding:14px max(20px,calc((100vw - 1180px)/2));background:#fff;border-bottom:1px solid #dae4e8}.expert-jump a{flex:none;padding:8px 13px;border-radius:999px;background:#eef5f3;font-size:.8rem;font-weight:800;text-decoration:none}.expert-jump a:hover,.expert-jump a:focus-visible{background:var(--navy);color:#fff}.expert-intro{display:grid;grid-template-columns:.75fr 1.25fr;gap:clamp(35px,7vw,90px);padding:95px 0}.expert-intro h2,.expert-section h2,.expert-band h2,.expert-cta h2{margin:0;font:800 clamp(2.5rem,4.8vw,5rem)/.98 Nunito,Arial,sans-serif;letter-spacing:-.045em}.expert-intro p{margin:0;color:#43586c;font-size:1.08rem}.expert-intro p+p{margin-top:18px}.at-a-glance{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;margin-bottom:95px;background:#cbd9dd;border:1px solid #cbd9dd}.at-a-glance article{min-height:190px;padding:26px;background:#fff}.at-a-glance small,.expert-card small{color:#a55d42;font-size:.7rem;font-weight:800;letter-spacing:.11em;text-transform:uppercase}.at-a-glance h3,.expert-card h3{margin:8px 0 10px;font:800 1.45rem/1.08 Nunito,Arial,sans-serif}.at-a-glance p,.expert-card p{margin:0;color:#53657a}.expert-section{padding:95px 0;scroll-margin-top:155px}.expert-section.tint{background:#eaf5f2}.expert-section.navy{background:var(--navy);color:#fff}.expert-section.navy p,.expert-section.navy li{color:#dbe7f0}.expert-heading{display:grid;grid-template-columns:1fr .75fr;gap:60px;align-items:end;margin-bottom:42px}.expert-heading>p{margin:0;color:#53657a}.expert-section.navy .expert-heading>p{color:#dbe7f0}.expert-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.expert-grid.two{grid-template-columns:repeat(2,1fr)}.expert-card{display:flex;flex-direction:column;min-height:260px;padding:30px;background:#fff;border-top:6px solid var(--sky)}.expert-card:nth-child(3n+2){border-color:var(--yellow)}.expert-card:nth-child(3n+3){border-color:var(--pink)}.expert-card a{margin-top:auto;padding-top:20px;color:var(--navy);font-weight:800}.expert-card ul{margin:12px 0 0;padding-left:20px;color:#53657a}.expert-line-card{display:grid;grid-template-columns:110px 1fr;gap:24px;align-items:center;min-height:230px;padding:28px;background:#fff;border:1px solid #d9e3e6}.expert-line-card img{width:110px;height:90px;object-fit:contain}.expert-line-card h3{margin:0 0 8px;font:800 1.55rem Nunito,Arial,sans-serif}.expert-line-card p{margin:0;color:#53657a}.expert-line-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:18px}.expert-line-actions a{font-size:.85rem;font-weight:800}.expert-watchout{display:grid;grid-template-columns:80px 1fr;gap:22px;margin:32px 0;padding:30px;background:#fff1d2;border-left:7px solid var(--yellow)}.expert-watchout>span{display:grid;place-items:center;width:58px;height:58px;border-radius:18px;background:var(--navy);color:#fff;font:800 1.5rem Nunito}.expert-watchout h3{margin:0 0 6px;font:800 1.4rem Nunito}.expert-watchout p{margin:0;color:#526079}.expert-band{display:grid;grid-template-columns:1fr 1fr;gap:65px;padding:80px max(20px,calc((100vw - 1180px)/2));background:var(--sky)}.expert-band p,.expert-band li{color:#153a4e}.expert-band ul,.expert-band ol{padding-left:22px}.planning-steps{counter-reset:steps;display:grid;gap:12px}.planning-steps article{position:relative;padding:25px 25px 25px 78px;background:#fff}.planning-steps article:before{counter-increment:steps;content:counter(steps);position:absolute;left:24px;top:24px;display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--pink);color:#fff;font-weight:800}.planning-steps h3{margin:0 0 6px;font:800 1.25rem Nunito}.planning-steps p{margin:0;color:#526079}.comparison-table{width:100%;border-collapse:collapse;background:#fff}.comparison-table th,.comparison-table td{padding:18px;text-align:left;vertical-align:top;border-bottom:1px solid #dbe4e8}.comparison-table th{background:var(--navy);color:#fff}.comparison-table tr:last-child td{border-bottom:0}.live-panel{padding:34px;background:#fff;border:1px solid #d9e3e6}.live-panel-heading{display:grid;grid-template-columns:1fr auto;gap:25px;align-items:end;margin-bottom:24px}.live-panel-heading h2{font-size:clamp(2rem,4vw,3.7rem)}.live-status{display:inline-flex;align-items:center;gap:8px;font-size:.8rem;font-weight:800}.live-status:before{content:"";width:10px;height:10px;border-radius:50%;background:#42a56b;box-shadow:0 0 0 4px #42a56b24}.expert-widget-shell{min-height:640px;background:#f1f4f5}.expert-widget-shell iframe{display:block;width:100%;min-height:640px;border:0}.widget-fallback{display:flex;flex-wrap:wrap;justify-content:space-between;gap:18px;align-items:center;padding:18px 0 0}.widget-fallback p{margin:0;color:#53657a}.fact-strip{display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px;margin-top:50px;padding:20px 0;border-top:1px solid #cad6d9;border-bottom:1px solid #cad6d9;color:#526079;font-size:.83rem}.fact-strip strong{color:var(--navy)}.official-sources{padding:32px;background:#fff;border:1px solid #d9e3e6}.official-sources h2{font-size:2rem}.official-sources ul{display:flex;flex-wrap:wrap;gap:10px 25px;margin:18px 0 0;padding:0;list-style:none}.official-sources a{font-weight:800}.faq-list{display:grid;gap:10px}.faq-list details{background:#fff;border:1px solid #d8e2e5}.faq-list summary{min-height:58px;padding:18px 55px 18px 20px;cursor:pointer;font:800 1.05rem Nunito;list-style:none}.faq-list summary::-webkit-details-marker{display:none}.faq-list details p{margin:0;padding:0 20px 22px;color:#526079}.expert-cta{padding:95px 20px;text-align:center;background:var(--pink);color:#fff}.expert-cta p{max-width:700px;margin:20px auto 28px}.photo-credit{width:min(1180px,calc(100% - 40px));margin:0 auto;padding:16px 0;color:#5b6b7b;font-size:.72rem}.expert-page footer{margin-top:0}.visually-hidden{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
@media(max-width:1000px){.expert-page main{padding-top:82px}.expert-hero{grid-template-columns:1fr}.expert-hero-media{order:-1;min-height:280px}.expert-hero-media:after{background:linear-gradient(0deg,#062d52 0,transparent 55%)}.expert-hero-copy{padding:44px 26px}.expert-jump{top:82px}.expert-intro,.expert-heading,.expert-band{grid-template-columns:1fr}.expert-intro{padding:70px 0}.at-a-glance{grid-template-columns:repeat(2,1fr)}.expert-grid{grid-template-columns:repeat(2,1fr)}.expert-band{gap:35px}.live-panel-heading{grid-template-columns:1fr}.expert-line-card{grid-template-columns:85px 1fr}.expert-line-card img{width:85px;height:70px}}
@media(max-width:650px){.expert-shell{width:min(100% - 28px,1180px)}.expert-hero h1{font-size:clamp(2.8rem,14vw,4.1rem)}.expert-actions{display:grid}.expert-button{width:100%}.at-a-glance,.expert-grid,.expert-grid.two{grid-template-columns:1fr}.at-a-glance article{min-height:0}.expert-line-card{grid-template-columns:1fr}.expert-line-card img{width:120px}.expert-watchout{grid-template-columns:1fr}.expert-section{padding:70px 0}.expert-band>*{min-width:0}.expert-band h2{overflow-wrap:anywhere}.live-panel{padding:20px}.expert-widget-shell,.expert-widget-shell iframe{min-height:720px}.comparison-table{display:block;overflow-x:auto}.fact-strip{display:block}.fact-strip span{display:block;margin:6px 0}}
.expert-hero h1{font-size:clamp(3.1rem,5vw,5.4rem)}
@media(max-width:650px){.expert-hero h1{font-size:clamp(2.8rem,14vw,4.1rem)}}
@media(prefers-reduced-motion:reduce){.expert-jump{scroll-behavior:auto}}
.expert-page .expert-kicker{color:#805916}.expert-page .expert-hero .expert-kicker,.expert-page .expert-section.navy .expert-kicker{color:#e0b85e}.expert-page .expert-button.primary{border-color:#805916;background:#805916}.expert-page .expert-band p,.expert-page .expert-band li{color:#10273c}.expert-page .expert-cta{background:#805916}.expert-page main>.photo-credit a{color:#5b6b7b}