@import url("https://fonts.googleapis.com/css2?family=Merriweather:wght@300;400;700&family=Montserrat:wght@400;500;600;700&display=swap");.ibci-page{--ibci-navy:#113c9a;--ibci-blue:#0a87e1;--ibci-green:#61a86b;--ibci-ink:#161312;--ibci-muted:#6b7280;--ibci-soft:#f4f7fc;--ibci-line:#e2e6ec;background:#fff;line-height:1.65}.ibci-page *{box-sizing:border-box}.ibci-page a{text-decoration:none}.ibci-page h1,.ibci-page h2,.ibci-page h3{color:var(--ibci-navy);letter-spacing:-.035em;line-height:1.2;margin:0}.ibci-page p{margin:0}.ibci-container{margin-inline:auto;width:min(1180px,calc(100% - 48px))}.ibci-kicker{color:var(--ibci-blue);font:700 11px/1.4 Montserrat,Arial,sans-serif;letter-spacing:.15em}.ibci-intro{background:linear-gradient(125deg,#f0f7fb,#fff 75%);padding:78px 0 66px}.ibci-intro h1{font-size:clamp(36px,5vw,62px);font-weight:800;margin:15px 0 19px;max-width:850px}.ibci-lead{color:#506779;font-size:clamp(17px,1.7vw,21px);max-width:780px}.ibci-topics{background:#fff;border-bottom:1px solid var(--ibci-line)}.ibci-topics-inner{align-items:center;display:flex;gap:10px;overflow-x:auto;padding-block:18px;scrollbar-width:thin}.ibci-topics-label{color:var(--ibci-navy);font-weight:700;margin-right:10px;white-space:nowrap}.ibci-topic{border:1px solid var(--ibci-line);border-radius:100px;color:var(--ibci-ink);font-size:14px;padding:8px 16px;transition:.2s;white-space:nowrap}.ibci-topic.is-active,.ibci-topic:hover{background:var(--ibci-navy);border-color:var(--ibci-navy);color:#fff}.ibci-articles,.ibci-feature,.ibci-spotlight{padding-block:65px}.ibci-section-heading{align-items:end;display:flex;gap:24px;justify-content:space-between;margin-bottom:28px}.ibci-section-heading h2{font-size:clamp(27px,3vw,37px);margin-top:8px}.ibci-section-heading>p{color:var(--ibci-muted);font-size:15px;max-width:350px}.ibci-feature-card{background:var(--ibci-soft);border:1px solid var(--ibci-line);border-radius:18px;display:grid;grid-template-columns:1fr 1.08fr;min-height:370px;overflow:hidden}.ibci-feature-copy{align-items:start;display:flex;flex-direction:column;gap:20px;justify-content:center;padding:clamp(30px,5vw,65px)}.ibci-feature-copy h3{font-size:clamp(26px,3.1vw,41px)}.ibci-card h3 a,.ibci-feature-copy h3 a{color:inherit}.ibci-card h3 a:hover,.ibci-feature-copy h3 a:hover{color:var(--ibci-blue)}.ibci-feature-copy p{color:var(--ibci-muted);font-size:17px}.ibci-card-category{color:var(--ibci-blue);font:700 11px/1.5 Montserrat,Arial,sans-serif;letter-spacing:.1em;text-transform:uppercase}.ibci-text-link{align-items:center;color:var(--ibci-blue);display:inline-flex;font-weight:700;gap:8px}.ibci-text-link:hover{text-decoration:underline}.ibci-feature-media{display:block;min-height:320px}.ibci-card-image img,.ibci-feature-media img{display:block;height:100%;object-fit:cover;transition:none;width:100%}.ibci-card-image,.ibci-feature-media{overflow:hidden}.ibci-image-fallback{background:linear-gradient(135deg,#d9eaf3,#94bfd7);color:var(--ibci-navy);display:grid;font:800 20px Montserrat,Arial,sans-serif;place-items:center}.ibci-articles{padding-top:10px}.ibci-grid{display:grid;gap:24px;grid-template-columns:repeat(3,minmax(0,1fr))}.ibci-card{background:#fff;border:1px solid var(--ibci-line);border-radius:15px;display:flex;flex-direction:column;overflow:hidden;transition:box-shadow .15s ease,border-color .15s ease}.ibci-card:hover{border-color:#b6c6da;box-shadow:0 12px 32px #15365314}.ibci-card-image{display:block;height:210px}.ibci-card-image .ibci-image-fallback{font-size:16px;height:100%}.ibci-card-content{align-items:start;display:flex;flex:1;flex-direction:column;gap:12px;padding:23px}.ibci-card h3{font-size:21px;line-height:1.35}.ibci-card p{color:var(--ibci-muted);flex:1;font-size:15px}.ibci-card .ibci-text-link{margin-top:7px}.ibci-pagination{align-items:center;color:var(--ibci-muted);display:flex;gap:22px;justify-content:center;margin-top:40px}.ibci-pagination a{color:var(--ibci-blue);font-weight:700}.ibci-resource-band{background:var(--ibci-soft);padding:75px 0}.ibci-resources-grid{align-items:center;display:grid;gap:70px;grid-template-columns:.75fr 1.25fr}.ibci-resources-grid h2{font-size:clamp(28px,3vw,40px);margin:12px 0 18px}.ibci-resources-grid p{color:var(--ibci-muted)}.ibci-resource-cards{display:grid;gap:20px;grid-template-columns:repeat(2,minmax(0,1fr))}.ibci-resource-card{background:#fff;border:1px solid var(--ibci-line);border-radius:15px;padding:27px}.ibci-resource-card h3{font-size:20px;margin:13px 0 10px}.ibci-resource-card p{font-size:15px;margin-bottom:17px}.ibci-resource-icon{background:#e4f0f8;border-radius:12px;color:var(--ibci-blue);display:grid;font-size:22px;height:46px;place-items:center;width:46px}.ibci-spotlight-grid{background:#eaf3f8;border-radius:17px;display:grid;grid-template-columns:1fr 1fr;overflow:hidden}.ibci-spotlight-text{padding:50px}.ibci-spotlight-text h3{font-size:clamp(24px,2.7vw,34px)}.ibci-spotlight-text p{color:var(--ibci-muted);margin:16px 0 24px}.ibci-spotlight-visual{background:linear-gradient(135deg,#153653,#287aa7);color:#fff;display:grid;min-height:270px;place-items:center;text-align:center}.ibci-spotlight-visual span{font:800 clamp(24px,3vw,42px)/1.2 Montserrat,Arial,sans-serif;letter-spacing:.06em}.ibci-bottom-cta{background:var(--ibci-navy);color:#fff;padding:66px 0}.ibci-cta-inner{align-items:center;display:flex;gap:40px;justify-content:space-between}.ibci-bottom-cta .ibci-kicker{color:#9dd7e9}.ibci-bottom-cta h2{color:#fff;font-size:clamp(27px,3vw,39px);margin:10px 0 14px;max-width:750px}.ibci-bottom-cta p{color:#d2e0e9;max-width:670px}.ibci-page .hs-button,.ibci-page .hs_cos_wrapper_type_button a{background:var(--ibci-blue);border:0;border-radius:7px;display:inline-block;font-size:13px;font-weight:700;line-height:1.4;padding:13px 22px;transition:filter .2s}.ibci-page .hs-button:hover,.ibci-page .hs_cos_wrapper_type_button a:hover{filter:brightness(.93)}@media(max-width:900px){.ibci-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.ibci-resources-grid{gap:28px}.ibci-feature-card,.ibci-resources-grid{grid-template-columns:1fr}.ibci-feature-media{max-height:350px;order:-1}.ibci-feature-copy{padding:35px}.ibci-cta-inner{align-items:start;flex-direction:column}}@media(max-width:600px){.ibci-container{width:min(100% - 32px,1180px)}.ibci-intro{padding:54px 0 48px}.ibci-articles,.ibci-feature,.ibci-spotlight{padding-block:45px}.ibci-articles{padding-top:8px}.ibci-grid,.ibci-resource-cards,.ibci-spotlight-grid{grid-template-columns:1fr}.ibci-section-heading{align-items:start;flex-direction:column;gap:9px}.ibci-card-image{height:225px}.ibci-feature-media{min-height:240px}.ibci-spotlight-text{padding:30px}.ibci-spotlight-visual{min-height:190px}.ibci-resource-band{padding:48px 0}.ibci-pagination{font-size:13px;gap:12px}}.ibci-page{color:var(--ibci-ink);font-family:Merriweather,Georgia,serif;font-size:18px}.ibci-page h1,.ibci-page h2,.ibci-page h3{color:var(--ibci-ink);font-family:Montserrat,Arial,sans-serif;letter-spacing:-.025em;line-height:1.1}.ibci-page h1{font-size:52px;font-weight:700}.ibci-page h2{font-size:34px;font-weight:700}.ibci-page h3{font-size:21px;font-weight:600}.ibci-page .ibci-intro h1{font-size:clamp(34px,4vw,52px);max-width:900px}.ibci-page .ibci-lead{color:#3c4550;font-size:18px;line-height:1.7}.ibci-page .ibci-bottom-cta h2,.ibci-page .ibci-resources-grid h2,.ibci-page .ibci-section-heading h2{font-size:34px;font-weight:700;line-height:1.1}.ibci-page .ibci-feature-copy h3{font-size:clamp(26px,3vw,34px);font-weight:700}.ibci-page .ibci-card h3{line-height:1.35}.ibci-page .ibci-card h3,.ibci-page .ibci-resource-card h3{font-size:21px;font-weight:600}.ibci-page .ibci-kicker{color:#414ece;display:inline-block;font-family:Montserrat,Arial,sans-serif;font-size:13px;font-weight:600;line-height:1.4;text-transform:uppercase}.ibci-page .ibci-kicker:after{background:#414ece;content:"";display:block;height:4px;margin-top:8px;width:64px}.ibci-page .ibci-card-category{color:#414ece;font-size:13px;font-weight:600}.ibci-page .ibci-card-category,.ibci-page .ibci-pagination,.ibci-page .ibci-text-link,.ibci-page .ibci-topic,.ibci-page .ibci-topics,.ibci-page .ibci-topics-label{font-family:Montserrat,Arial,sans-serif}.ibci-page .ibci-topic{border-radius:8px;transition:color .15s ease,background-color .15s ease,border-color .15s ease}.ibci-page .ibci-topic.is-active,.ibci-page .ibci-topic:hover{background:#113c9a;border-color:#113c9a;color:#fff}.ibci-page .ibci-feature,.ibci-page .ibci-spotlight{padding-block:64px}.ibci-page .ibci-feature-card,.ibci-page .ibci-spotlight-grid{border-radius:12px}.ibci-page .ibci-card,.ibci-page .ibci-resource-card{border-radius:8px}.ibci-page .ibci-card-content{gap:12px;padding:20px}.ibci-page .ibci-card p,.ibci-page .ibci-feature-copy p,.ibci-page .ibci-resource-card p,.ibci-page .ibci-resources-grid p,.ibci-page .ibci-section-heading>p,.ibci-page .ibci-spotlight-text p{color:#3c4550;font-family:Merriweather,Georgia,serif;font-size:16px;line-height:1.7}.ibci-page .ibci-feature-copy{gap:16px}.ibci-page .ibci-resource-band{padding:64px 0}.ibci-page .ibci-resource-card{padding:20px}.ibci-page .ibci-spotlight-text{padding:48px}.ibci-page .ibci-spotlight-visual{background:linear-gradient(135deg,#113c9a,#161312)}.ibci-page .ibci-spotlight-visual span{color:#fff}.ibci-page .ibci-bottom-cta{background:#113c9a;padding:64px 0}.ibci-page .ibci-bottom-cta .ibci-kicker,.ibci-page .ibci-bottom-cta h2,.ibci-page .ibci-bottom-cta p{color:#fff}.ibci-page .ibci-bottom-cta .ibci-kicker:after{background:#fff}.ibci-page .hs-button,.ibci-page .hs_cos_wrapper_type_button a{background:#0a87e1;border-radius:8px;color:#fff;font-family:Montserrat,Arial,sans-serif;font-size:15px;font-weight:600;transition:background-color .15s ease}.ibci-page .hs-button:hover,.ibci-page .hs_cos_wrapper_type_button a:hover{background:#0976c4;filter:none}.ibci-page a:focus-visible,.ibci-page button:focus-visible{outline:2px solid #3bafec;outline-offset:2px}@media(max-width:600px){.ibci-page{font-size:17px}.ibci-page .ibci-intro h1{font-size:34px}.ibci-page .ibci-bottom-cta h2,.ibci-page .ibci-resources-grid h2,.ibci-page .ibci-section-heading h2{font-size:26px}.ibci-page .ibci-card h3,.ibci-page .ibci-resource-card h3{font-size:18px}.ibci-page .ibci-card-category,.ibci-page .ibci-kicker{font-size:12px}.ibci-page .ibci-kicker:after{height:3px;width:48px}.ibci-page .ibci-feature,.ibci-page .ibci-spotlight{padding-block:40px}.ibci-page .ibci-bottom-cta,.ibci-page .ibci-resource-band{padding:40px 0}.ibci-page .ibci-card-content,.ibci-page .ibci-resource-card{padding:16px}.ibci-page .ibci-spotlight-text{padding:32px}}.ibci-card-meta{align-items:center;color:#6b7280;display:flex;flex-wrap:wrap;font-family:Montserrat,Arial,sans-serif;font-size:12px;gap:4px 12px;line-height:1.6;margin:10px 0 14px}.ibci-card-author,.ibci-card-meta time{display:inline-block}.ibci-card-meta .ibci-card-author:not(:first-child):before{color:#6b7280;content:"·";margin-right:12px}@media (max-width:600px){.ibci-card-meta{gap:3px 10px}.ibci-card-meta .ibci-card-author:not(:first-child):before{margin-right:10px}}.ibci-page .ibci-card-meta:empty{display:none}.ibci-page .ibci-feature-media{position:relative}.ibci-page .ibci-feature-media img{height:100%;inset:0;object-fit:cover;position:absolute;width:100%}.ibci-page .ibci-feature-media.ibci-image-fallback{min-height:320px}.ibci-page .ibci-card-image{flex-shrink:0}.ibci-page .ibci-card-image img{height:100%;object-fit:cover;width:100%}.ibci-page .ibci-card-meta{margin:0}.ibci-page .ibci-text-link:focus-visible,.ibci-page .ibci-topic:focus-visible{outline:2px solid #3bafec;outline-offset:3px}@media(max-width:900px){.ibci-page .ibci-feature-media{height:300px;max-height:none;min-height:300px}}@media(max-width:600px){.ibci-page .ibci-feature-media{height:230px;min-height:230px}.ibci-page .ibci-card-image{height:210px}.ibci-page .ibci-card-meta{font-size:12px}.ibci-page .ibci-topics-inner{padding-block:12px}}.ibci-page .ibci-resume[hidden]{display:none!important}.ibci-page .ibci-resume{padding-top:32px}.ibci-page .ibci-resume-card{align-items:flex-start;background:var(--ibci-soft);border:1px solid var(--ibci-line);border-radius:12px;display:flex;gap:24px;justify-content:space-between;padding:28px 32px}.ibci-page .ibci-resume-details{flex:1;min-width:0}.ibci-page .ibci-resume-card h2{font-size:26px;line-height:1.25;margin:12px 0 10px}.ibci-page .ibci-resume-title{color:#3c4550;font-size:16px}.ibci-page .ibci-resume-track{background:#e2e6ec;border-radius:99px;height:6px;margin-top:18px;max-width:470px;overflow:hidden;width:100%}.ibci-page .ibci-resume-fill{background:var(--ibci-blue);border-radius:inherit;display:block;height:100%;width:0}.ibci-page .ibci-resume-percent{color:var(--ibci-muted);font:500 12px/1.5 Montserrat,Arial,sans-serif;margin-top:8px}.ibci-page .ibci-resume-link{color:var(--ibci-blue);display:inline-flex;font:600 14px/1.5 Montserrat,Arial,sans-serif;gap:8px;margin-top:16px}.ibci-page .ibci-resume-link:hover{text-decoration:underline}.ibci-page .ibci-resume-dismiss{background:transparent;border:0;color:#3c4550;cursor:pointer;flex-shrink:0;font:500 13px/1.5 Montserrat,Arial,sans-serif;padding:8px 0}.ibci-page .ibci-resume-dismiss:hover{text-decoration:underline}@media (max-width:600px){.ibci-page .ibci-resume{padding-top:20px}.ibci-page .ibci-resume-card{flex-direction:column;gap:12px;padding:20px}.ibci-page .ibci-resume-card h2{font-size:22px}.ibci-page .ibci-resume-title{font-size:15px}}.ibci-page .ibci-authors-strip{background:#fff;border-bottom:1px solid var(--ibci-line)}.ibci-page .ibci-author-filter{color:#3c4550;font:600 13px/1.5 Montserrat,Arial,sans-serif;padding-block:13px}.ibci-page .ibci-author-filter summary{align-items:center;color:var(--ibci-navy);cursor:pointer;display:inline-flex;gap:8px}.ibci-page .ibci-author-filter summary:focus-visible{outline:2px solid #3bafec;outline-offset:3px}.ibci-page .ibci-author-links{display:flex;flex-wrap:wrap;gap:10px 16px;padding:14px 0 4px}.ibci-page .ibci-author-links a{color:#113c9a;font:500 13px/1.5 Montserrat,Arial,sans-serif;text-decoration:none}.ibci-page .ibci-author-links a:hover,.ibci-page .ibci-author-links a[aria-current=page]{text-decoration:underline}.ibci-page .ibci-newsletter{background:#f4f7fc;border-top:1px solid var(--ibci-line);padding:58px 0}.ibci-page .ibci-newsletter-grid{align-items:center;display:grid;gap:50px;grid-template-columns:1fr 1fr}.ibci-page .ibci-newsletter h2{color:#161312;font:700 34px/1.15 Montserrat,Arial,sans-serif;margin:13px 0 16px}.ibci-page .ibci-newsletter p{color:#3c4550;font-size:16px;line-height:1.7}.ibci-page .ibci-newsletter-form{font-family:Montserrat,Arial,sans-serif;min-width:0}.ibci-page .ibci-newsletter-form input[type=email],.ibci-page .ibci-newsletter-form input[type=text],.ibci-page .ibci-newsletter-form select{background:#fff;border:1px solid #b6c6da;border-radius:8px;font:500 15px Montserrat,Arial,sans-serif;max-width:100%;padding:12px 14px;width:100%}.ibci-page .ibci-newsletter-form label{font:600 13px Montserrat,Arial,sans-serif}.ibci-page .ibci-newsletter-form .hs-button{cursor:pointer}@media(max-width:700px){.ibci-page .ibci-newsletter-grid{gap:20px;grid-template-columns:1fr}.ibci-page .ibci-newsletter{padding:38px 0}.ibci-page .ibci-newsletter h2{font-size:26px}}.ibci-page .ibci-popular{background:var(--ibci-soft);border-top:1px solid var(--ibci-line);padding:60px 0 68px}.ibci-page .ibci-popular .ibci-section-heading{margin-bottom:28px}@media (max-width:600px){.ibci-page .ibci-popular{padding:40px 0 44px}}.ibci-page [hidden]{display:none!important}body:has(main.ibci-page) .body-wrapper>:first-child:is(div,header):has(:is(nav,.hs-menu-wrapper)),body:has(main.ibci-page) :is(.header-container-wrapper,.header-wrapper,.header_container,.header-section,.site-header,.main-header,.header_main,.header-area,.header,#site-header,#header){background-color:#fff!important;background-image:none!important;color:#161312}body:has(main.ibci-page) :is(.header-container-wrapper,.header-wrapper,.site-header,.main-header,.header,#site-header,#header) :is(.header-inner,.header__inner,.header-content,.header__container,.navbar,.navbar-collapse){background-color:#fff!important;background-image:none!important}.ibci-page{--ibc-blue:#0a87e1;--ibc-sky:#3bafec;--ibc-navy:#113c9a;--ibc-indigo:#414ece;--ibc-green:#61a86b;--ibc-ink:#161312;--ibc-body-text:#3c4550;--ibc-muted:#6b7280;--ibc-line:#e2e6ec;--ibc-panel:#f4f7fc;--ibc-white:#fff;--ibc-blue-hover:#0976c4;--ibc-card-border-hover:#c7cfda;--ibc-font-display:"Montserrat",Arial,sans-serif;--ibc-font-body:"Merriweather",Georgia,serif;--ibc-h1-size:34px;--ibc-h2-size:26px;--ibc-h3-size:18px;--ibc-body-size:17px;--ibc-small-size:13px;--ibc-label-size:12px;--ibc-radius:8px;--ibc-rule-w:48px;--ibc-rule-h:3px;--ibci-navy:var(--ibc-navy);--ibci-blue:var(--ibc-blue);--ibci-green:var(--ibc-green);--ibci-ink:var(--ibc-ink);--ibci-muted:var(--ibc-muted);--ibci-soft:var(--ibc-panel);--ibci-line:var(--ibc-line);background:var(--ibc-white);color:var(--ibc-ink);font-family:var(--ibc-font-body);font-size:var(--ibc-body-size);line-height:1.7}@media (min-width:768px){.ibci-page{--ibc-h1-size:52px;--ibc-h2-size:34px;--ibc-h3-size:21px;--ibc-body-size:18px;--ibc-small-size:14px;--ibc-label-size:13px;--ibc-rule-w:64px;--ibc-rule-h:4px}}.ibci-page :is(h1,h2,h3){color:var(--ibc-ink);font-family:var(--ibc-font-display);line-height:1.15}.ibci-page .ibci-intro{background:linear-gradient(125deg,var(--ibc-panel),var(--ibc-white) 75%)}.ibci-page .ibci-intro h1{font-size:var(--ibc-h1-size);font-weight:700}.ibci-page :is(.ibci-section-heading h2,.ibci-resources-grid h2,.ibci-bottom-cta h2,.ibci-newsletter h2){font-family:var(--ibc-font-display);font-size:var(--ibc-h2-size);font-weight:700;line-height:1.15}.ibci-page :is(.ibci-card h3,.ibci-resource-card h3){font-family:var(--ibc-font-display);font-size:var(--ibc-h3-size);font-weight:600}.ibci-page .ibci-kicker{color:var(--ibc-indigo);font:600 var(--ibc-label-size)/1.4 var(--ibc-font-display);letter-spacing:.08em}.ibci-page .ibci-kicker:after{background:var(--ibc-indigo);height:var(--ibc-rule-h);width:var(--ibc-rule-w)}.ibci-page .ibci-card-category{color:var(--ibc-indigo);font:600 var(--ibc-label-size)/1.5 var(--ibc-font-display);letter-spacing:.08em}.ibci-page :is(.ibci-lead,.ibci-card p,.ibci-feature-copy p,.ibci-resource-card p,.ibci-section-heading>p,.ibci-resources-grid p,.ibci-spotlight-text p,.ibci-newsletter p){color:var(--ibc-body-text);font-family:var(--ibc-font-body);line-height:1.7}.ibci-page :is(.ibci-grid .ibci-card,.ibci-resource-card){border-radius:var(--ibc-radius)}.ibci-page .ibci-card:hover{border-color:var(--ibc-card-border-hover);box-shadow:0 4px 14px rgba(22,19,18,.08)}.ibci-page .ibci-newsletter,.ibci-page .ibci-spotlight-grid{background-color:var(--ibc-panel)}.ibci-page .ibci-resource-icon{background:var(--ibc-panel);color:var(--ibc-blue)}.ibci-page .ibci-text-link{color:var(--ibc-blue);font-family:var(--ibc-font-display);font-weight:600}.ibci-page .ibci-text-link:hover{color:var(--ibc-sky)}.ibci-page :is(.hs-button,.hs_cos_wrapper_type_button a){background:var(--ibc-blue);border-radius:var(--ibc-radius);color:var(--ibc-white);font:600 15px/1.4 var(--ibc-font-display);transition:background-color .15s ease}.ibci-page :is(.hs-button,.hs_cos_wrapper_type_button a):hover{background:var(--ibc-blue-hover)}.ibci-page :is(a,button,summary,input,select,textarea):focus-visible{outline:2px solid var(--ibc-sky);outline-offset:2px}@media (max-width:767px){.ibci-page .ibci-resume-card h2{font-size:22px}}@media (prefers-reduced-motion:reduce){.ibci-page *{transition:none!important}}