/* MFA Insights — shared styles for /blog. Mirrors the main site's tokens. */
:root{
  --paper:#FDFDFC;--paper-2:#F5F4EF;--ink:#151515;--navy:#10233F;--navy-2:#1B3557;
  --gold:#B08D3F;--gold-b:#D8B769;--muted:rgba(21,21,21,.6);--hair:rgba(21,21,21,.1);
  --ease:cubic-bezier(.16,1,.3,1);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--paper);color:var(--ink);font-family:Inter,system-ui,sans-serif;font-weight:400;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%;height:auto;display:block}
.wrap{max-width:1200px;margin:0 auto;padding:0 28px}
.serif{font-family:'Cormorant Garamond',Georgia,serif}

/* Header */
.bnav{position:sticky;top:0;z-index:50;background:rgba(253,253,252,.92);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid var(--hair)}
.bnav-in{display:flex;align-items:center;justify-content:space-between;gap:24px;height:78px}
.brand{display:flex;align-items:center;gap:13px}
.brand img{width:44px;height:44px;border-radius:11px;box-shadow:0 5px 18px rgba(0,0,0,.18)}
.brand-txt{display:flex;flex-direction:column;line-height:1;gap:5px}
.brand-txt b{font-family:'Cormorant Garamond',serif;font-weight:500;font-size:21px;color:var(--ink)}
.brand-txt i{font-style:normal;font-size:9px;font-weight:600;letter-spacing:.3em;text-transform:uppercase;color:rgba(21,21,21,.45)}
.bnav-links{display:flex;align-items:center;gap:34px}
.bnav-links a{font-size:10.5px;font-weight:600;letter-spacing:.19em;text-transform:uppercase;color:var(--ink);transition:opacity .3s}
.bnav-links a:hover{opacity:.55}
.bnav-links a.on{color:var(--gold)}
.bnav-links a.cta{display:inline-flex;align-items:center;gap:9px;padding:11px 22px 11px 18px;border:1px solid rgba(21,21,21,.16);border-radius:999px;font-size:9.5px;font-weight:700;line-height:1;white-space:nowrap}
.bnav-links a.cta:hover{background:var(--ink);color:#fff;opacity:1}
.bnav-links a.cta svg{width:13px;height:13px;display:block}
@media (max-width:860px){.bnav-links a:not(.cta){display:none}}

/* Blog index */
.bhero{background:var(--navy);color:#fff;padding:96px 0 84px;position:relative;overflow:hidden}
.bhero:after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;border:1px solid rgba(216,183,105,.25)}
.eyebrow{font-size:10px;font-weight:700;letter-spacing:.3em;text-transform:uppercase;color:var(--gold-b)}
.bhero h1{font-family:'Cormorant Garamond',serif;font-weight:400;font-size:clamp(2.6rem,6vw,4.4rem);line-height:1.04;margin:18px 0 18px;max-width:760px}
.bhero h1 em{color:var(--gold-b)}
.bhero p{font-weight:300;color:rgba(255,255,255,.72);max-width:600px;line-height:1.75}
.plist{padding:72px 0 96px;display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:34px}
.pcard{background:#fff;border:1px solid var(--hair);border-radius:18px;overflow:hidden;transition:transform .5s var(--ease),box-shadow .5s var(--ease);display:flex;flex-direction:column}
.pcard:hover{transform:translateY(-6px);box-shadow:0 22px 50px rgba(16,35,63,.12)}
.pcard .thumb{aspect-ratio:1200/630;background:var(--navy);overflow:hidden}
.pcard .thumb img{width:100%;height:100%;object-fit:cover}
.pcard .body{padding:26px 26px 30px;display:flex;flex-direction:column;gap:12px;flex:1}
.pcard .meta{font-size:10px;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--gold)}
.pcard h2{font-family:'Cormorant Garamond',serif;font-weight:500;font-size:1.65rem;line-height:1.15}
.pcard p{font-size:.92rem;font-weight:300;color:var(--muted);line-height:1.7}
.pcard .more{margin-top:auto;font-size:10px;font-weight:700;letter-spacing:.2em;text-transform:uppercase}

/* Article */
.ahead{background:var(--navy);color:#fff;padding:84px 0 72px}
.ahead .wrap{max-width:860px}
.crumbs{font-size:11px;color:rgba(255,255,255,.55);margin-bottom:22px}
.crumbs a:hover{color:var(--gold-b)}
.ahead h1{font-family:'Cormorant Garamond',serif;font-weight:400;font-size:clamp(2.2rem,5vw,3.6rem);line-height:1.08;margin:14px 0 20px}
.ahead .dek{font-weight:300;font-size:1.08rem;line-height:1.7;color:rgba(255,255,255,.75)}
.ameta{display:flex;flex-wrap:wrap;gap:8px 22px;margin-top:26px;font-size:11px;letter-spacing:.08em;color:rgba(255,255,255,.6)}
.ameta b{color:#fff;font-weight:600}
.article{max-width:760px;margin:0 auto;padding:64px 28px 40px}
.article h2{font-family:'Cormorant Garamond',serif;font-weight:500;font-size:2rem;line-height:1.15;margin:52px 0 16px;color:var(--navy)}
.article h3{font-size:1.02rem;font-weight:600;margin:30px 0 10px}
.article p,.article li{font-size:1.02rem;line-height:1.85;font-weight:300;color:#2a2a2a}
.article p{margin:0 0 18px}
.article strong{font-weight:600;color:var(--ink)}
.article ul,.article ol{margin:0 0 22px 22px}
.article li{margin:6px 0;padding-left:4px}
.article li::marker{color:var(--gold)}
.article a{color:var(--navy-2);border-bottom:1px solid rgba(176,141,63,.5)}
.article a:hover{color:var(--gold)}
.tldr{background:var(--paper-2);border-left:3px solid var(--gold);border-radius:0 14px 14px 0;padding:24px 28px;margin:0 0 34px}
.tldr h2{margin:0 0 10px!important;font-size:1.3rem!important}
.tldr ul{margin-bottom:0}
.figure{margin:36px -40px 40px}
.figure img{width:100%;border-radius:16px;box-shadow:0 26px 60px rgba(16,35,63,.18)}
.figure figcaption{font-size:.82rem;color:var(--muted);text-align:center;margin-top:14px}
.figure .dl{display:inline-block;margin-left:6px;font-weight:600;color:var(--navy-2);border-bottom:1px solid var(--gold)}
@media (max-width:860px){.figure{margin:30px 0 34px}}
.tbl{width:100%;border-collapse:collapse;margin:8px 0 26px;font-size:.93rem}
.tbl th{text-align:left;font-size:10px;letter-spacing:.18em;text-transform:uppercase;color:var(--muted);font-weight:700;padding:10px 12px;border-bottom:2px solid var(--navy)}
.tbl td{padding:12px;border-bottom:1px solid var(--hair);font-weight:300;line-height:1.55;vertical-align:top}
.tbl td:first-child{font-weight:600;color:var(--navy);white-space:nowrap}
.note{font-size:.86rem!important;color:var(--muted)!important}
.sources{margin-top:46px;padding-top:26px;border-top:1px solid var(--hair)}
.sources h2{font-size:1.3rem!important;margin-top:0!important}
.sources li{font-size:.88rem!important}
.disclaimer{font-size:.82rem!important;color:var(--muted)!important;font-style:italic;margin-top:26px!important}

/* CTA */
.cta-block{max-width:860px;margin:30px auto 96px;padding:0 28px}
.cta-card{background:var(--navy);color:#fff;border-radius:22px;padding:52px 48px;position:relative;overflow:hidden}
.cta-card:before{content:"";position:absolute;inset:auto -80px -80px auto;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle,rgba(216,183,105,.28),transparent 70%)}
.cta-card h2{font-family:'Cormorant Garamond',serif;font-weight:400;font-size:clamp(1.9rem,4vw,2.6rem);line-height:1.12;margin:12px 0 14px}
.cta-card p{font-weight:300;color:rgba(255,255,255,.75);line-height:1.75;max-width:560px}
.cta-btns{display:flex;flex-wrap:wrap;gap:14px;margin-top:28px;position:relative}
.btn{display:inline-flex;align-items:center;gap:10px;padding:16px 28px;border-radius:999px;font-size:10.5px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;transition:transform .4s var(--ease),background .3s,color .3s}
.btn:hover{transform:translateY(-2px)}
.btn-gold{background:var(--gold-b);color:var(--navy)}
.btn-gold:hover{background:#fff}
.btn-line{border:1px solid rgba(255,255,255,.3);color:#fff}
.btn-line:hover{background:#fff;color:var(--navy)}
@media (max-width:600px){.cta-card{padding:40px 26px}}

/* Footer */
.bfoot{border-top:1px solid var(--hair);background:#fff;padding:40px 0}
.bfoot .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:14px;font-size:.84rem;color:var(--muted)}
.bfoot a:hover{color:var(--gold)}
.bfoot nav{display:flex;gap:22px;flex-wrap:wrap}
@media (max-width:480px){.brand-txt i{font-size:8px;letter-spacing:.22em;white-space:nowrap}.brand-txt b{font-size:19px}.bnav-links a.cta{padding:10px 16px 10px 14px}}

/* Topics list (blog hero) */
.topics{list-style:none;display:flex;flex-wrap:wrap;gap:10px;margin-top:30px;max-width:820px}
.topics li{font-size:10.5px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.82);border:1px solid rgba(216,183,105,.35);border-radius:999px;padding:9px 15px}
/* Footer legal line */
.bfoot .legal{flex-basis:100%;font-size:.78rem;line-height:1.6;color:rgba(21,21,21,.5);margin-top:6px}
.bfoot .legal a{border-bottom:1px solid rgba(176,141,63,.5)}
/* Legal pages */
.legalpage h2{font-size:1.6rem;margin-top:40px}
/* Share bar */
.share{display:flex;flex-wrap:wrap;align-items:center;gap:8px;margin-top:26px}
.share-lbl{font-size:9.5px;font-weight:700;letter-spacing:.24em;text-transform:uppercase;color:var(--muted);margin-right:6px}
.sh{display:inline-flex;align-items:center;justify-content:center;gap:8px;height:40px;min-width:40px;padding:0 12px;border-radius:999px;border:1px solid var(--hair);background:#fff;color:var(--navy);cursor:pointer;font:600 10px/1 Inter,sans-serif;letter-spacing:.14em;text-transform:uppercase;transition:background .25s,color .25s,border-color .25s,transform .3s var(--ease)}
.article .sh{border-bottom:1px solid var(--hair);color:var(--navy)}
.sh:hover{transform:translateY(-2px);border-color:var(--gold);color:var(--gold)}
.sh svg{width:16px;height:16px;display:block;flex-shrink:0}
.sh-li-wide{background:#0A66C2;border-color:#0A66C2;color:#fff!important;padding:0 16px}
.sh-li-wide:hover{background:#004182;border-color:#004182;color:#fff!important}
.sh-linkedin{display:none}
.sh-copy.ok{background:var(--navy);border-color:var(--navy);color:#fff!important}
.share-dark .share-lbl{color:rgba(255,255,255,.55)}
.share-dark .sh:not(.sh-li-wide){background:transparent;border-color:rgba(255,255,255,.22);color:#fff}
.share-dark .sh:not(.sh-li-wide):hover{border-color:var(--gold-b);color:var(--gold-b)}
.share-dark .sh-copy.ok{background:var(--gold-b);color:var(--navy)!important}
.share-end{margin:46px 0 0;padding:26px 28px;background:var(--paper-2);border-radius:16px}
.share-end p{margin:0!important;font-weight:500!important;color:var(--ink)!important}
.share-end .share{margin-top:14px}
@media (max-width:480px){.sh-copy span{display:none}.sh-copy{padding:0 12px}}
/* Author */
.ameta a.byline{color:#fff;border-bottom:1px solid rgba(216,183,105,.6)}
.ameta a.byline:hover{color:var(--gold-b)}
.author{display:flex;gap:20px;align-items:flex-start;margin:28px 0 0;padding:28px;border:1px solid var(--hair);border-radius:16px;background:#fff}
.author .av{flex:0 0 64px;height:64px;border-radius:50%;background:var(--navy);color:var(--gold-b);display:grid;place-items:center;font-family:'Cormorant Garamond',serif;font-size:1.6rem;font-weight:500;letter-spacing:.02em}
.author-k{display:block;font-size:9.5px;font-weight:700;letter-spacing:.24em;text-transform:uppercase;color:var(--gold)}
.article a.author-n{display:inline-block;margin-top:6px;font-family:'Cormorant Garamond',serif;font-size:1.45rem;font-weight:500;color:var(--navy);border-bottom:none}
.article a.author-n:hover{color:var(--gold)}
.author-t{display:block;font-size:.85rem;color:var(--muted);margin:2px 0 10px}
.author p{font-size:.92rem!important;line-height:1.7!important;margin:0 0 12px!important}
.article a.author-li{display:inline-flex;align-items:center;gap:8px;font-size:10px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:#0A66C2;border-bottom:none}
.author-li svg{width:15px;height:15px}
@media (max-width:520px){.author{flex-direction:column;padding:22px}}
@media (max-width:600px){.tbl{font-size:.86rem}.tbl td:first-child{white-space:normal}.tbl td,.tbl th{padding:10px 7px}}
/* Topics covered (keyword chips) */
.tags{margin:40px 0 0}
.tags-k{display:block;font-size:9.5px;font-weight:700;letter-spacing:.24em;text-transform:uppercase;color:var(--muted);margin-bottom:12px}
.tags ul{list-style:none;margin:0!important;display:flex;flex-wrap:wrap;gap:8px}
.tags li{margin:0!important;padding:7px 13px!important;border:1px solid var(--hair);border-radius:999px;background:var(--paper-2);font-size:.8rem!important;line-height:1.3!important;font-weight:500!important;color:var(--navy-2)!important}
.tags li::marker{content:none}
/* Author profile page */
.article a.author-more{display:inline-block;margin-left:18px;font-size:10px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--navy);border-bottom:none}
.ap-row{display:flex;gap:30px;align-items:flex-start}
.ap-av{flex:0 0 120px;height:120px;border-radius:50%;background:var(--navy-2);border:2px solid var(--gold-b);color:var(--gold-b);display:grid;place-items:center;font-family:'Cormorant Garamond',serif;font-size:2.8rem}
.aprofile .btn svg{width:15px;height:15px}
.alist{list-style:none;margin:0 0 20px!important}
.alist li{margin:0 0 14px!important;padding:0!important}
.alist li::marker{content:none}
.article .alist a{display:block;padding:20px 22px;border:1px solid var(--hair);border-radius:14px;background:#fff;border-bottom:1px solid var(--hair);transition:border-color .3s,transform .3s var(--ease)}
.article .alist a:hover{border-color:var(--gold);transform:translateY(-2px);color:inherit}
.alist .m{display:block;font-size:9.5px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--gold)}
.alist b{display:block;font-family:'Cormorant Garamond',serif;font-weight:500;font-size:1.35rem;line-height:1.2;color:var(--navy);margin:6px 0}
.alist .d{display:block;font-size:.9rem;font-weight:300;color:var(--muted);line-height:1.6}
@media (max-width:600px){.ap-row{flex-direction:column;gap:18px}.ap-av{flex-basis:auto;width:84px;height:84px;font-size:2rem}}

/* Private "Have a question about this?" box (all posts) */
.ask{margin:44px 0 8px;padding:30px 32px;background:var(--paper-2);border:1px solid var(--hair);border-radius:18px}
.ask h2{font-family:'Cormorant Garamond',serif;font-weight:500;font-size:1.9rem;line-height:1.1;margin:0 0 8px;color:var(--navy)}
.ask>p{color:var(--muted);font-size:.95rem;line-height:1.6;margin:0 0 18px}
.ask-f{display:grid;gap:12px}
.ask-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.ask label{display:grid;gap:5px;font-size:.78rem;font-weight:600;color:var(--ink)}
.ask input,.ask textarea{font:inherit;font-size:.95rem;font-weight:400;padding:11px 13px;border:1px solid rgba(21,21,21,.18);border-radius:9px;background:#fff;color:var(--ink);width:100%}
.ask input:focus,.ask textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.ask .btn{justify-self:start;cursor:pointer;border:0}
.ask-hp{position:absolute;left:-9999px}
.ask-st{color:#a33;font-size:.85rem;margin:0}
.ask-done{font-weight:600;color:var(--navy);margin:0}
@media (max-width:560px){.ask{padding:24px 20px}.ask-row{grid-template-columns:1fr}.ask .btn{justify-self:stretch}}
.ask .btn{background:var(--navy);color:#fff;padding:14px 26px;border-radius:999px;font-size:11px;font-weight:700;letter-spacing:.16em;text-transform:uppercase}
.ask .btn:hover{background:var(--navy-2)}
.ask .btn:disabled{opacity:.6}