:root{--brand:#13294B;--link:#1F4E8C;--accent:#E0B13C;--on-accent:#13294B;--accent-soft:#EEF2F8;--accent-ink:#C99A22;--bg:#F4F6FA;--paper:#FFFFFF;--ink:#121A2B;--muted:#535E77;--line:#DCE2ED;--hero-bg:linear-gradient(120deg,#13294B 0%,#1F4E8C 100%);--hero-ink:#FFFFFF;--hero-blob:rgba(224,177,60,.18);--eyebrow-bg:rgba(224,177,60,.18);--eyebrow-ink:#F3D58A;--on-brand:#FFFFFF;--on-brand-muted:#C5D2E8;--footer-bg:#0C1B33;--footer-ink:#B7C4DA;--radius:12px;--pill:8px;--btn-radius:8px;--shadow:0 1px 2px rgba(19,41,75,.06),0 8px 24px rgba(19,41,75,.08);--serif:"Merriweather",Georgia,serif;--sans:"IBM Plex Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
.t-bizfinance,.c-bizfinance{background:#E6EEF9;color:#1F4E8C}.i-bizfinance{background:#E6EEF9;color:#1F4E8C}.th-bizfinance{background-color:#E6EEF9;color:#1F4E8C}
.t-property,.c-property{background:#EAE6F6;color:#4E3F94}.i-property{background:#EAE6F6;color:#4E3F94}.th-property{background-color:#EAE6F6;color:#4E3F94}
.t-marketing,.c-marketing{background:#FBF0D9;color:#8A6410}.i-marketing{background:#FBF0D9;color:#8A6410}.th-marketing{background-color:#FBF0D9;color:#8A6410}
.t-running,.c-running{background:#E3F1EC;color:#23715A}.i-running{background:#E3F1EC;color:#23715A}.th-running{background-color:#E3F1EC;color:#23715A}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.7 var(--sans)}
img,svg{max-width:100%;height:auto}
a{color:var(--link);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--brand)}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:12px;background:#fff;padding:8px 12px;border-radius:8px;z-index:10}

/* header */
.topbar{background:var(--brand);color:var(--on-brand-muted);font-size:13px}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;min-height:34px;align-items:center}
.topbar a{color:var(--on-brand);text-decoration:none}
@media (max-width:600px){.topbar .hide-sm{display:none}}
.site-header{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:74px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}
.brand img{width:42px;height:42px}
.brand-name{font:700 22px/1 var(--serif);letter-spacing:-.01em}
.brand-name span{color:var(--accent-ink)}
.nav{display:flex;gap:2px;align-items:center;flex-wrap:wrap;justify-content:flex-end}
.nav a{padding:8px 12px;border-radius:var(--pill);text-decoration:none;color:var(--ink);font-weight:500;font-size:15px}
.nav a:hover,.nav a[aria-current=page]{background:var(--accent-soft);color:var(--brand)}
.menu{display:none}
@media (max-width:980px){
  .nav{display:none}
  .menu{display:block;position:relative}
  .menu summary{list-style:none;cursor:pointer;padding:8px 14px;border:1px solid var(--line);border-radius:10px;font-weight:600}
  .menu summary::-webkit-details-marker{display:none}
  .menu[open] .menu-panel{display:flex}
  .menu-panel{display:none;flex-direction:column;position:absolute;right:0;top:46px;background:var(--paper);border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:8px;min-width:240px}
  .menu-panel a{padding:10px 12px;text-decoration:none;color:var(--ink);border-radius:8px}
  .menu-panel a:hover{background:var(--accent-soft)}
}

/* buttons */
.btn{display:inline-block;background:var(--accent);color:var(--on-accent);font-weight:700;padding:13px 22px;border-radius:var(--btn-radius);text-decoration:none}
.btn:hover{filter:brightness(1.06);color:var(--on-accent)}
.btn.ghost{background:transparent;color:inherit;border:1px solid currentColor;margin-left:10px}
@media (max-width:480px){.btn.ghost{margin:10px 0 0}}

/* hero: centre */
.hero{padding:72px 0 76px;position:relative;overflow:hidden}
.hero-center{background:var(--hero-bg);color:var(--hero-ink);text-align:center}
.hero-center .wrap{max-width:860px}
.hero-center p{margin-left:auto;margin-right:auto}
.hero-center::before,.hero-center::after{content:"";position:absolute;border-radius:50%;background:var(--hero-blob);pointer-events:none}
.hero-center::before{width:380px;height:380px;left:-140px;top:-160px}
.hero-center::after{width:300px;height:300px;right:-100px;bottom:-150px}
.hero h1{font:700 clamp(34px,5.4vw,56px)/1.08 var(--serif);margin:0 0 18px;letter-spacing:-.02em}
.hero p.lead{font-size:19px;max-width:640px;margin:0 0 28px;opacity:.92}
.eyebrow{display:inline-block;padding:6px 14px;border-radius:999px;font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;margin-bottom:18px;background:var(--eyebrow-bg);color:var(--eyebrow-ink)}
.trust{display:flex;flex-wrap:wrap;gap:10px 24px;margin-top:30px;font-size:14px;opacity:.9}
.hero-center .trust{justify-content:center}
.trust span::before{content:"\2713";color:var(--accent);font-weight:700;margin-right:6px}

/* hero: magazine (featured post) */
.hero-mag{background:var(--paper);border-bottom:1px solid var(--line);padding:44px 0 52px}
.mag{display:grid;grid-template-columns:1.35fr 1fr;gap:28px;align-items:stretch}
@media (max-width:900px){.mag{grid-template-columns:1fr}}
.feature{border-radius:var(--radius);overflow:hidden;background:var(--hero-bg);color:var(--hero-ink);display:flex;flex-direction:column;justify-content:flex-end;min-height:400px;padding:34px;position:relative;text-decoration:none}
.feature::after{content:"";position:absolute;right:-60px;top:-60px;width:260px;height:260px;border-radius:50%;background:var(--hero-blob)}
.feature .eyebrow{align-self:flex-start;position:relative;z-index:1}
.feature .ft{font:700 clamp(30px,4vw,44px)/1.1 var(--serif);margin:0 0 12px;position:relative;z-index:1}
.feature .ft a{color:inherit;text-decoration:none}
.feature p{margin:0 0 18px;opacity:.92;position:relative;z-index:1;max-width:560px}
.feature .btn{align-self:flex-start;position:relative;z-index:1}
.mag-side{display:flex;flex-direction:column;gap:14px}
.mag-side h2{font:700 15px/1.2 var(--sans);text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin:0 0 2px}
.mini{display:flex;gap:14px;align-items:flex-start;padding:14px;border:1px solid var(--line);border-radius:14px;background:var(--bg)}
.mini .thumb{flex:none;width:64px;height:64px;border-radius:12px}
.mini h3{font:700 17px/1.3 var(--serif);margin:4px 0 2px}
.mini h3 a{color:var(--ink);text-decoration:none}
.mini .meta{margin:0}

/* hero: split */
.hero-split{background:var(--hero-bg);color:var(--hero-ink)}
.split{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:center}
@media (max-width:900px){.split{grid-template-columns:1fr}}
.split-panel{background:var(--paper);color:var(--ink);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.split-panel h2{font:700 14px/1.2 var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin:0 0 12px}
.split-panel a.row{display:flex;gap:12px;align-items:center;padding:12px;border-radius:12px;text-decoration:none;color:var(--ink);font-weight:600}
.split-panel a.row:hover{background:var(--accent-soft)}
.split-panel .icon{width:40px;height:40px}

/* sections */
section{padding:60px 0}
.section-title{font:700 clamp(26px,3vw,32px)/1.2 var(--serif);margin:0 0 8px;letter-spacing:-.01em}
.section-lead{color:var(--muted);margin:0 0 28px;max-width:680px}
.section-head{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;flex-wrap:wrap;margin-bottom:24px}
.section-head .section-lead{margin:0}
.band{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.grid{display:grid;gap:22px}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:980px){.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:900px){.grid-3{grid-template-columns:minmax(0,1fr)}}
@media (max-width:560px){.grid-4{grid-template-columns:minmax(0,1fr)}}

/* cards */
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);display:flex;flex-direction:column;overflow:hidden;transition:transform .15s ease,box-shadow .15s ease}
.card:hover{transform:translateY(-2px)}
.card .thumb{height:150px;display:grid;place-items:center;position:relative}
.card .thumb svg{width:54px;height:54px;opacity:.9}
.card .body{padding:22px;display:flex;flex-direction:column;flex:1}
.card h3{font:700 21px/1.28 var(--serif);margin:10px 0 8px}
.card h3 a{color:var(--ink);text-decoration:none}
.card h3 a:hover{color:var(--brand)}
.card p{color:var(--muted);margin:0 0 14px;font-size:16px}
.card .meta{margin-top:auto}
.card .more{margin-top:auto;font-weight:600;text-decoration:none}
.thumb{background-image:radial-gradient(circle at 80% 20%,rgba(255,255,255,.55) 0,rgba(255,255,255,0) 45%)}
.cat-card{padding:24px;text-decoration:none;color:var(--ink)}
.cat-card .icon{margin-bottom:14px}
.cat-card h3{margin:0 0 6px}
.icon{width:50px;height:50px;border-radius:14px;display:grid;place-items:center;flex:none}
.icon svg{width:26px;height:26px}
.tag{display:inline-block;align-self:flex-start;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:4px 10px;border-radius:999px;text-decoration:none}
.meta{font-size:14px;color:var(--muted)}
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{display:inline-block;padding:9px 16px;border-radius:999px;font-weight:600;font-size:15px;text-decoration:none;border:1px solid transparent}
.chip:hover{border-color:currentColor}

/* steps */
.steps{counter-reset:s;display:grid;gap:24px;grid-template-columns:repeat(3,minmax(0,1fr))}
@media (max-width:900px){.steps{grid-template-columns:minmax(0,1fr)}}
.steps div{counter-increment:s;padding-left:58px;position:relative}
.steps div::before{content:counter(s);position:absolute;left:0;top:0;width:42px;height:42px;border-radius:50%;background:var(--accent-soft);color:var(--brand);font:700 18px/42px var(--serif);text-align:center}
.steps h3{margin:0 0 6px;font:700 19px/1.3 var(--serif)}
.steps p{margin:0;color:var(--muted);font-size:16px}

/* newsletter-style note */
.cta-band{background:var(--brand);color:var(--on-brand);border-radius:var(--radius);padding:36px;display:flex;gap:24px;justify-content:space-between;align-items:center;flex-wrap:wrap}
.cta-band h2{font:700 26px/1.2 var(--serif);margin:0 0 6px}
.cta-band p{margin:0;color:var(--on-brand-muted);max-width:620px}

/* page header */
.page-head{background:var(--paper);border-bottom:1px solid var(--line);padding:42px 0 34px}
.page-head h1{font:700 clamp(30px,4.5vw,46px)/1.14 var(--serif);margin:10px 0 12px;letter-spacing:-.02em;max-width:880px}
.page-head p{color:var(--muted);max-width:720px;margin:0;font-size:18px}
.page-head .tag{margin-top:12px}
.crumbs{font-size:14px;color:var(--muted)}
.crumbs a{color:var(--muted)}
.byline{display:flex;align-items:center;gap:10px;margin-top:16px;font-size:14px;color:var(--muted)}
.byline .av{width:36px;height:36px;border-radius:50%;background:var(--accent-soft);display:grid;place-items:center;color:var(--brand);font-weight:700}

/* article */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:40px;padding-top:40px;padding-bottom:64px}
.layout>*{min-width:0}
@media (max-width:960px){.layout{grid-template-columns:minmax(0,1fr)}}
.prose{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:38px 42px}
@media (max-width:600px){.prose{padding:24px 18px}}
.prose h2{font:700 27px/1.25 var(--serif);margin:38px 0 12px;letter-spacing:-.01em}
.prose h2:first-child{margin-top:0}
.prose h3{font:700 20px/1.3 var(--serif);margin:24px 0 8px}
.prose p,.prose li{max-width:72ch}
.prose ul,.prose ol{padding-left:22px}
.prose li{margin:5px 0}
h2[id]{scroll-margin-top:96px}
.answer{background:var(--accent-soft);border-left:4px solid var(--accent);padding:18px 20px;border-radius:0 12px 12px 0;font-size:18px;margin:0 0 24px}
.table-wrap{overflow-x:auto;margin:16px 0;border:1px solid var(--line);border-radius:12px}
table{border-collapse:collapse;width:100%;font-size:15px;min-width:520px}
th{background:var(--brand);color:var(--on-brand);text-align:left;padding:12px 14px;font-weight:600}
td{padding:12px 14px;border-top:1px solid var(--line);vertical-align:top}
tr:nth-child(even) td{background:var(--bg)}
@media (max-width:600px){table{min-width:0;font-size:14px}th,td{padding:10px}}
.src{font-size:14px;color:var(--muted)}
.note{font-size:14px;color:var(--muted);border-top:1px solid var(--line);margin-top:32px;padding-top:16px}
.callout{background:var(--accent-soft);border-radius:12px;padding:18px 20px;margin:20px 0}
.author-box{display:flex;gap:16px;align-items:flex-start;margin-top:28px;padding:20px;border:1px solid var(--line);border-radius:14px;background:var(--bg)}
.author-box .av{width:48px;height:48px;border-radius:50%;background:var(--brand);color:var(--on-brand);display:grid;place-items:center;font-weight:700;flex:none}
.author-box p{margin:4px 0 0;font-size:15px;color:var(--muted)}
.aside .box{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin-bottom:20px}
.aside .sticky{position:sticky;top:96px}
.aside h2{font:700 18px/1.3 var(--serif);margin:0 0 10px}
.aside ul{list-style:none;padding:0;margin:0}
.aside li{margin:7px 0;line-height:1.4}
.aside a{text-decoration:none}
.toc a{color:var(--ink);font-size:15px}
.toc a:hover{color:var(--brand)}

/* footer */
.site-footer{background:var(--footer-bg);color:var(--footer-ink);padding:52px 0 28px;font-size:15px}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:28px}
@media (max-width:760px){.foot-grid{grid-template-columns:1fr 1fr}}
.foot-grid h2{font:700 16px/1.3 var(--sans);color:#fff;margin:0 0 10px}
.foot-grid ul{list-style:none;padding:0;margin:0}
.foot-grid li{margin:6px 0}
.foot-brand{display:flex;align-items:center;gap:10px;margin-bottom:12px}
.foot-brand img{width:38px;height:38px}
.foot-brand .brand-name{color:#fff}
.foot-brand .brand-name span{color:var(--accent)}
.legal{border-top:1px solid rgba(255,255,255,.14);margin-top:32px;padding-top:18px;font-size:13px;opacity:.75}

.hero-split .btn.ghost{color:#fff}.brand-name{font-size:21px}.card h3{font-size:19px}.prose h2{font-size:24px}