@import url("https://fonts.googleapis.com/css2?family=Merriweather:wght@300;400;700&family=Montserrat:wght@400;500;600;700&display=swap");.ibc-article-page{--ibc-blue:#0a87e1;--ibc-blue-hover:#0976c4;--ibc-sky:#3bafec;--ibc-navy:#113c9a;--ibc-indigo:#414ece;--ibc-green:#61a86b;--ibc-ink:#161312;--ibc-body:#3c4550;--ibc-muted:#6b7280;--ibc-line:#e2e6ec;--ibc-soft:#f4f7fc;--ibc-white:#fff;--ibc-display:"Montserrat",Arial,sans-serif;--ibc-reading:"Merriweather",Georgia,serif;background:linear-gradient(180deg,#fafcff,#fff 820px);color:var(--ibc-ink);font-family:var(--ibc-reading);font-size:18px;line-height:1.7}.ibc-article-page,.ibc-article-page *{box-sizing:border-box}.ibc-article-page a{color:var(--ibc-blue);text-decoration:none}.ibc-article-page img{max-width:100%}.ibc-article-page .ibc-shell{margin-inline:auto;width:min(1160px,calc(100% - 48px))}.ibc-article-page h1,.ibc-article-page h2,.ibc-article-page h3,.ibc-article-page h4{color:var(--ibc-ink);font-family:var(--ibc-display);letter-spacing:-.025em;line-height:1.15}.ibc-article-page :is(a,button,summary):focus-visible{outline:2px solid var(--ibc-sky);outline-offset:3px}.ibc-article-page .ibc-article-hero{background:linear-gradient(112deg,#dcebff,#eaf3fd 36%,#f5f9fe 66%,#fff);border-bottom:1px solid #d9e5f2;isolation:isolate;overflow:hidden;position:relative}.ibc-article-page .ibc-article-hero:before{background:radial-gradient(circle at 4% 92%,rgba(59,175,236,.2),transparent 36%),radial-gradient(circle at 65% -18%,rgba(65,78,206,.09),transparent 42%);content:"";inset:0;pointer-events:none;position:absolute;z-index:-1}.ibc-article-page .ibc-hero--no-image:after{border:46px solid rgba(17,60,154,.045);border-radius:50%;content:"";height:460px;pointer-events:none;position:absolute;right:-110px;top:-100px;width:460px}.ibc-article-page .ibc-hero-inner{align-items:stretch;display:grid;gap:0;grid-template-columns:minmax(0,1.07fr) minmax(0,.93fr);min-height:422px}.ibc-article-page .ibc-hero-inner.ibc-hero--no-image{grid-template-columns:minmax(0,1fr);min-height:345px}.ibc-article-page .ibc-hero-copy{align-items:flex-start;display:flex;flex-direction:column;justify-content:center;padding:56px 44px 58px 0;position:relative;z-index:1}.ibc-article-page .ibc-breadcrumb{align-items:center;color:var(--ibc-muted);display:flex;flex-wrap:wrap;font:400 14px/1.5 var(--ibc-display);gap:9px;margin-bottom:32px}.ibc-article-page .ibc-breadcrumb a{color:var(--ibc-body)}.ibc-article-page .ibc-breadcrumb a:hover{color:var(--ibc-sky);text-decoration:underline}.ibc-article-page .ibc-breadcrumb .ibc-crumb-separator{color:#9aa6b3}.ibc-article-page .ibc-eyebrow,.ibc-article-page .ibc-related-category,.ibc-article-page .ibc-small-label{color:var(--ibc-indigo);font:600 13px/1.4 var(--ibc-display);letter-spacing:.08em;text-transform:uppercase}.ibc-article-page .ibc-hero-copy .ibc-eyebrow:after,.ibc-article-page .ibc-section-heading .ibc-small-label:after{background:var(--ibc-indigo);border-radius:2px;content:"";display:block;height:4px;margin-top:8px;width:64px}.ibc-article-page .ibc-hero-copy h1{font-size:clamp(34px,4vw,52px);font-weight:700;letter-spacing:-.027em;line-height:1.13;margin:17px 0 16px;max-width:750px}.ibc-article-page .ibc-deck{color:var(--ibc-body);font-family:var(--ibc-reading);font-size:18px;line-height:1.7;margin:0 0 24px;max-width:665px}.ibc-article-page .ibc-byline{align-items:center;color:var(--ibc-muted);display:flex;flex-wrap:wrap;font:500 14px/1.5 var(--ibc-display);gap:12px}.ibc-article-page .ibc-byline img{border-radius:50%;height:42px;object-fit:cover;width:42px}.ibc-article-page .ibc-byline-info{align-items:center;display:flex;flex-wrap:wrap;gap:5px 12px}.ibc-article-page .ibc-author{color:var(--ibc-ink);font-weight:600}.ibc-article-page .ibc-date,.ibc-article-page .ibc-read-time{color:var(--ibc-muted)}.ibc-article-page .ibc-byline-separator{color:#b4bdc8}.ibc-article-page .ibc-hero-media{background:linear-gradient(135deg,#c4dcf7,#113c9a);min-height:390px;overflow:hidden;position:relative}.ibc-article-page .ibc-hero-photo{height:100%;inset:0;object-fit:cover;object-position:center;position:absolute;width:100%}.ibc-article-page .ibc-hero-media:before{background:linear-gradient(90deg,rgba(17,60,154,.22),transparent 58%);content:"";inset:0;pointer-events:none;position:absolute;z-index:1}@supports (clip-path:polygon(0 0,100% 0,100% 100%,0 100%)){.ibc-article-page .ibc-hero-media{clip-path:polygon(13% 0,100% 0,100% 100%,0 100%);margin-left:-8px}}.ibc-article-page .ibc-content-grid{align-items:start;display:grid;gap:58px;grid-template-columns:minmax(0,1fr) 282px;padding-bottom:68px;padding-top:52px}.ibc-article-page .ibc-reading-column{min-width:0}.ibc-article-page .ibc-post-body{color:var(--ibc-body);font-family:var(--ibc-reading);font-size:18px;line-height:1.7;overflow-wrap:anywhere}.ibc-article-page .ibc-post-body>:first-child{margin-top:0}.ibc-article-page .ibc-post-body :is(h2,h3,h4){scroll-margin-top:104px}.ibc-article-page .ibc-post-body h2{color:var(--ibc-navy);font-size:34px;font-weight:700;line-height:1.1;margin:40px 0 12px}.ibc-article-page .ibc-post-body h3{color:var(--ibc-ink);font-size:21px;font-weight:600;line-height:1.15;margin:32px 0 8px}.ibc-article-page .ibc-post-body h4{font-size:18px;font-weight:600;margin:24px 0 8px}.ibc-article-page .ibc-post-body p{margin:0 0 12px}.ibc-article-page .ibc-post-body a{color:var(--ibc-blue);text-decoration:underline;text-underline-offset:3px}.ibc-article-page .ibc-post-body a:hover{color:var(--ibc-sky)}.ibc-article-page .ibc-post-body :is(ul,ol){margin:0 0 22px;padding-left:26px}.ibc-article-page .ibc-post-body li{margin:0 0 9px;padding-left:2px}.ibc-article-page .ibc-post-body img{border-radius:8px;height:auto;max-width:100%}.ibc-article-page .ibc-post-body figure{margin:27px 0}.ibc-article-page .ibc-post-body figcaption{color:var(--ibc-muted);font:400 13px/1.6 var(--ibc-display);margin-top:9px}.ibc-article-page .ibc-post-body iframe{max-width:100%}.ibc-article-page .ibc-post-body iframe[src*="vimeo.com"],.ibc-article-page .ibc-post-body iframe[src*="youtube-nocookie.com"],.ibc-article-page .ibc-post-body iframe[src*="youtube.com"]{aspect-ratio:16/9;background:#113c9a;border:0;border-radius:8px;display:block;height:auto;width:100%}.ibc-article-page .ibc-post-body .ibc-video-panel{background:var(--ibc-soft);border:1px solid var(--ibc-line);border-radius:8px;margin:28px 0;padding:16px}.ibc-article-page .ibc-post-body .ibc-video-panel>:last-child{margin-bottom:0}.ibc-article-page .ibc-post-body blockquote{background:linear-gradient(100deg,#edf5ff,#fff 90%);border-left:4px solid var(--ibc-blue);border-radius:0 8px 8px 0;color:#17345b;font-style:italic;margin:32px 0;padding:24px 30px}.ibc-article-page .ibc-post-body blockquote:before{color:#80bdf0;content:"“";display:block;font:700 64px/1 Georgia,serif;font-style:normal;height:35px}.ibc-article-page .ibc-post-body blockquote p:last-child{margin-bottom:0}.ibc-article-page .ibc-post-body blockquote cite{color:var(--ibc-muted);display:block;font:600 12px/1.5 var(--ibc-display);font-style:normal;letter-spacing:.08em;margin-top:14px;text-transform:uppercase}.ibc-article-page .ibc-post-body :is(.ibc-takeaway,.ibc-definition,.ibc-consideration,.ibc-scenario,.ibc-source-note){background:var(--ibc-soft);border:1px solid var(--ibc-line);border-radius:8px;margin:27px 0;padding:21px 25px}.ibc-article-page .ibc-post-body .ibc-takeaway{background:linear-gradient(110deg,#e8f2fd,#f6faff);border-left:4px solid var(--ibc-blue);box-shadow:0 4px 14px rgba(17,60,154,.04)}.ibc-article-page .ibc-post-body .ibc-definition{background:#f1f3fc;border-left:4px solid var(--ibc-indigo)}.ibc-article-page .ibc-post-body .ibc-consideration{background:#f6f8fc;border-left:4px solid var(--ibc-navy)}.ibc-article-page .ibc-post-body .ibc-scenario{background:#f4f7fc;border-top:4px solid var(--ibc-navy)}.ibc-article-page .ibc-post-body .ibc-source-note{border-left:3px solid var(--ibc-line);font:400 14px/1.6 var(--ibc-display)}.ibc-article-page .ibc-post-body :is(.ibc-takeaway,.ibc-definition,.ibc-consideration,.ibc-scenario)>strong:first-child{color:var(--ibc-ink);display:block;font:700 15px/1.4 var(--ibc-display);margin-bottom:8px}.ibc-article-page .ibc-post-body :is(.ibc-takeaway,.ibc-definition,.ibc-consideration,.ibc-scenario)>:last-child{margin-bottom:0}.ibc-article-page .ibc-post-body table{border-collapse:collapse;display:block;font-size:14px;line-height:1.5;margin:25px 0;max-width:100%;overflow-x:auto}.ibc-article-page .ibc-post-body :is(th,td){border:1px solid var(--ibc-line);padding:11px 12px;text-align:left;vertical-align:top}.ibc-article-page .ibc-post-body th{background:#e8f2fa;color:var(--ibc-ink);font:600 13px/1.5 var(--ibc-display)}.ibc-article-page .ibc-post-body tbody tr:nth-child(2n){background:#fafcfe}.ibc-article-page .ibc-post-body .ibc-steps{counter-reset:ibcstep;list-style:none;padding-left:0}.ibc-article-page .ibc-post-body .ibc-steps>li{counter-increment:ibcstep;margin-bottom:22px;min-height:40px;padding:0 0 0 50px;position:relative}.ibc-article-page .ibc-post-body .ibc-steps>li:before{background:#fff;border:1px solid var(--ibc-line);border-radius:50%;color:var(--ibc-navy);content:counter(ibcstep,decimal-leading-zero);font:700 14px/36px var(--ibc-display);height:36px;left:0;position:absolute;text-align:center;top:0;width:36px}.ibc-article-page .ibc-inline-progress{align-items:center;border-bottom:1px solid var(--ibc-line);color:var(--ibc-muted);display:flex;font:600 11px/1.5 var(--ibc-display);gap:12px;letter-spacing:.08em;margin-bottom:28px;padding:0 0 24px;text-transform:uppercase}.ibc-article-page .ibc-inline-progress .ibc-inline-track{background:var(--ibc-line);border-radius:30px;flex:1;height:4px;max-width:330px;overflow:hidden}.ibc-article-page .ibc-inline-progress .ibc-inline-track span{background:var(--ibc-blue);border-radius:inherit;display:block;height:100%;width:0}.ibc-article-page .ibc-inline-progress .ibc-inline-percent{color:var(--ibc-ink);font-variant-numeric:tabular-nums;letter-spacing:0}.ibc-reading-progress{background:transparent;height:4px;left:0;pointer-events:none;position:fixed;right:0;top:0;z-index:9999}.ibc-reading-progress span{background:#0a87e1;display:block;height:100%;transition:width .1s linear;width:0}.ibc-article-page .ibc-resume-banner[hidden],.ibc-article-page [hidden]{display:none!important}.ibc-article-page .ibc-resume-banner{align-items:center;background:var(--ibc-soft);border:1px solid var(--ibc-line);border-radius:8px;display:flex;font:500 14px/1.5 var(--ibc-display);gap:22px;justify-content:space-between;margin:24px auto;padding:20px 24px;width:min(940px,calc(100% - 32px))}.ibc-article-page .ibc-resume-banner strong{color:var(--ibc-ink);font-size:16px}.ibc-article-page .ibc-resume-banner p{color:var(--ibc-body);font:400 14px/1.6 var(--ibc-display);margin:4px 0 0}.ibc-article-page .ibc-resume-actions{align-items:center;display:flex;flex-wrap:wrap;gap:10px}.ibc-article-page .ibc-resume-actions button{border-radius:8px;cursor:pointer;font:600 15px/1.4 var(--ibc-display);padding:12px 16px}.ibc-article-page #ibc-resume-button{background:var(--ibc-blue);border:1px solid var(--ibc-blue);color:#fff}.ibc-article-page #ibc-resume-button:hover{background:var(--ibc-blue-hover)}.ibc-article-page .ibc-resume-dismiss{background:#fff;border:1px solid var(--ibc-line);color:var(--ibc-body)}.ibc-article-page .ibc-article-aside{display:grid;gap:16px;min-width:0;position:sticky;top:22px}.ibc-article-page .ibc-aside-card{background:linear-gradient(145deg,#eff6fd,#e6f1fc);border:1px solid #d8e6f5;border-radius:8px;box-shadow:0 4px 16px rgba(17,60,154,.035);min-width:0;padding:23px}.ibc-article-page .ibc-aside-card h2{color:var(--ibc-ink);font-size:21px;font-weight:600;line-height:1.15;margin:0 0 16px}.ibc-article-page .ibc-aside-cta{order:-2}.ibc-article-page .ibc-toc-card{order:-1}.ibc-article-page .ibc-toc-card ol{counter-reset:ibctoc;list-style:none;margin:0;padding-left:0}.ibc-article-page .ibc-toc-card li{counter-increment:ibctoc;font:500 13px/1.5 var(--ibc-display);margin:0 0 13px;padding:0 0 0 33px;position:relative}.ibc-article-page .ibc-toc-card li:before{background:#fff;border:1px solid #d4e6fa;border-radius:50%;color:var(--ibc-blue);content:counter(ibctoc,decimal-leading-zero);display:grid;font:600 11px/1 var(--ibc-display);height:25px;left:0;place-items:center;position:absolute;top:0;width:25px}.ibc-article-page .ibc-toc-card a{color:var(--ibc-body);display:block;line-height:1.45}.ibc-article-page .ibc-toc-card a:hover{color:var(--ibc-sky)}.ibc-article-page .ibc-toc-card a[aria-current=location]{color:var(--ibc-blue);font-weight:600}.ibc-article-page .ibc-definitions-card .ibc-term-link{color:var(--ibc-navy);display:block;font:600 13px/1.5 var(--ibc-display);margin:0 0 10px}.ibc-article-page .ibc-resource-card{background:linear-gradient(115deg,#f1f8fb,#e7f6fa)}.ibc-article-page .ibc-resource-card .ibc-small-label{display:block;margin-bottom:12px}.ibc-article-page .ibc-resource-card p{color:var(--ibc-body);font-size:14px;margin:0 0 10px}.ibc-article-page .ibc-aside-cta{background:linear-gradient(132deg,#113c9a,#173b80);border-color:#113c9a;box-shadow:0 10px 22px rgba(17,60,154,.12);color:#fff}.ibc-article-page .ibc-aside-cta :is(h2,p,.ibc-small-label){color:#fff}.ibc-article-page .ibc-aside-cta p{font:400 14px/1.7 var(--ibc-reading);margin:10px 0 16px}.ibc-article-page :is(.ibc-aside-cta,.ibc-bottom-cta) :is(.hs-button,.hs_cos_wrapper_type_button a){background:var(--ibc-blue);border:0;color:#fff;display:inline-block;font:600 15px/1.4 var(--ibc-display);padding:12px 19px;transition:background-color .15s ease}.ibc-article-page :is(.ibc-aside-cta,.ibc-bottom-cta) :is(.hs-button,.hs_cos_wrapper_type_button a):hover{background:var(--ibc-blue-hover)}.ibc-article-page .ibc-topics-card a{align-items:center;border-top:1px solid #d4e2ef;color:var(--ibc-navy);display:flex;font:500 13px/1.5 var(--ibc-display);gap:12px;justify-content:space-between;padding:10px 0}.ibc-article-page .ibc-topics-card a:hover{color:var(--ibc-sky)}.ibc-article-page .ibc-topics-card a:after{color:#98a3b1;content:"›";font-size:20px}.ibc-article-page .ibc-post-tags{align-items:center;border-top:1px solid var(--ibc-line);color:var(--ibc-muted);display:flex;flex-wrap:wrap;font:600 12px/1.4 var(--ibc-display);gap:9px;margin-top:40px;padding-top:22px}.ibc-article-page .ibc-post-tags a{background:var(--ibc-soft);border-radius:8px;color:var(--ibc-navy);font-weight:500;padding:7px 10px}.ibc-article-page .ibc-post-tags a:hover{color:var(--ibc-sky)}.ibc-article-page .ibc-article-resources{color:var(--ibc-body);font-size:16px;padding:0 0 36px}.ibc-article-page .ibc-article-resources h2{font-size:34px;margin:0 0 12px}.ibc-article-page .ibc-series-nav{background:var(--ibc-soft);border:1px solid var(--ibc-line);border-radius:8px;font:500 14px/1.6 var(--ibc-display);margin-bottom:34px;padding:19px 24px}.ibc-article-page .ibc-series-nav .ibc-small-label{display:block;margin-bottom:10px}.ibc-article-page .ibc-series-nav a{color:var(--ibc-blue);display:inline-block;font-weight:600;margin-right:22px}.ibc-article-page .ibc-bottom-cta{background:linear-gradient(105deg,#e3f0fe,#f3f8fd 80%);border-top:1px solid #d9e7f4;color:var(--ibc-ink);padding:64px 0}.ibc-article-page .ibc-bottom-cta-inner{align-items:center;display:flex;gap:34px;justify-content:space-between}.ibc-article-page .ibc-bottom-cta :is(h2,p){color:var(--ibc-ink)}.ibc-article-page .ibc-bottom-cta .ibc-small-label{color:var(--ibc-indigo)}.ibc-article-page .ibc-bottom-cta h2{font-size:34px;margin:12px 0;max-width:675px}.ibc-article-page .ibc-bottom-cta p{font-size:15px;margin:0;max-width:630px}.ibc-article-page .ibc-bottom-cta-action{flex-shrink:0}.ibc-article-page .ibc-related-section{background:linear-gradient(123deg,#10347f,#113c9a 58%,#102757);color:#fff;overflow:hidden;padding:64px 0;position:relative}.ibc-article-page .ibc-related-section:before{border:65px solid hsla(0,0%,100%,.025);border-radius:50%;bottom:-230px;content:"";height:590px;left:-180px;pointer-events:none;position:absolute;width:590px}.ibc-article-page .ibc-related-section>.ibc-shell{position:relative;z-index:1}.ibc-article-page .ibc-related-section .ibc-small-label{color:#e0e6ff}.ibc-article-page .ibc-related-section .ibc-section-heading h2{color:#fff}.ibc-article-page .ibc-section-heading .ibc-small-label{display:inline-block}.ibc-article-page .ibc-section-heading h2{font-size:34px;line-height:1.15;margin:14px 0 26px}.ibc-article-page .ibc-related-grid{display:grid;gap:22px;grid-template-columns:repeat(3,minmax(0,1fr))}.ibc-article-page .ibc-related-card{background:#fff;border:1px solid hsla(0,0%,100%,.8);border-radius:8px;box-shadow:0 6px 16px rgba(0,0,0,.12);color:var(--ibc-ink);flex-direction:column;min-width:0;overflow:hidden;transition:box-shadow .15s ease,border-color .15s ease}.ibc-article-page .ibc-related-card:hover{border-color:#d7e9fa;box-shadow:0 10px 22px rgba(0,0,0,.16)}.ibc-article-page .ibc-related-image{aspect-ratio:16/9;background:linear-gradient(125deg,#d7e9fa,#f3f7fc);overflow:hidden}.ibc-article-page .ibc-related-copy{align-items:flex-start;display:flex;flex:1;flex-direction:column;font-family:var(--ibc-display);gap:8px;padding:20px}.ibc-article-page .ibc-related-category{color:var(--ibc-indigo);font-size:12px}.ibc-article-page .ibc-related-copy h3{color:var(--ibc-ink);font-size:21px;font-weight:600;line-height:1.3;margin:0}.ibc-article-page .ibc-related-card:hover h3{color:var(--ibc-sky)}.ibc-article-page .ibc-related-meta{color:var(--ibc-muted);font-size:12px;margin-top:auto}.ibc-article-page .ibc-related-more{color:var(--ibc-blue);font-size:13px;font-weight:600;margin-top:8px}.ibc-article-page .ibc-related-grid>.ibc-related-card:nth-child(n+4){display:none}.ibc-article-page .ibc-comments{padding-bottom:50px;padding-top:30px}.ibc-article-page .ibc-post-body .ibc-takeaway--positive{background:#f2f9f3;border-left-color:var(--ibc-green)}.ibc-article-page .ibc-post-body .ibc-positive,.ibc-article-page .ibc-post-body .ibc-positive-mark{color:var(--ibc-green)}.ibc-article-page .ibc-post-body .ibc-positive-mark:before{content:"✓ ";font-weight:700}.ibc-article-page .ibc-post-body .ibc-data-caption{color:var(--ibc-muted);display:block;font:400 14px/1.6 var(--ibc-display);margin:8px 0 20px}.ibc-article-page .ibc-post-body .ibc-video-caption{color:var(--ibc-muted);font:400 14px/1.6 var(--ibc-display);margin-top:12px}.ibc-article-page :is(.ibc-resume-actions button,.ibc-aside-cta .hs-button,.ibc-bottom-cta .hs-button){transition:background-color .15s ease,border-color .15s ease,color .15s ease,box-shadow .15s ease}.ibc-article-page .ibc-breadcrumb,.ibc-article-page .ibc-byline,.ibc-article-page .ibc-inline-progress,.ibc-article-page .ibc-post-tags,.ibc-article-page .ibc-related-meta,.ibc-article-page .ibc-toc-card,.ibc-article-page .ibc-topics-card{font-family:var(--ibc-display)}@media(max-width:1000px){.ibc-article-page .ibc-content-grid{gap:34px;grid-template-columns:minmax(0,1fr) 260px}.ibc-article-page .ibc-hero-copy{padding-right:20px}}@media(max-width:820px){.ibc-article-page .ibc-content-grid{gap:32px;grid-template-columns:minmax(0,1fr)}.ibc-article-page .ibc-article-aside{grid-template-columns:repeat(2,minmax(0,1fr));position:static}.ibc-article-page .ibc-hero-inner{grid-template-columns:minmax(0,1fr) minmax(0,.75fr)}.ibc-article-page .ibc-hero-copy h1{font-size:34px}}@media(max-width:640px){.ibc-article-page{font-size:17px}.ibc-article-page .ibc-shell{width:min(100% - 32px,1160px)}.ibc-article-page .ibc-hero-inner{grid-template-columns:1fr;min-height:0}.ibc-article-page .ibc-hero--no-image:after{border-width:30px;height:230px;right:-125px;top:15px;width:230px}.ibc-article-page .ibc-hero-copy{padding:30px 0 28px}.ibc-article-page .ibc-breadcrumb{margin-bottom:23px}.ibc-article-page .ibc-hero-copy h1{font-size:34px}.ibc-article-page .ibc-breadcrumb,.ibc-article-page .ibc-byline{font-size:13px}.ibc-article-page .ibc-eyebrow,.ibc-article-page .ibc-related-category,.ibc-article-page .ibc-small-label{font-size:12px}.ibc-article-page .ibc-deck{font-size:17px}.ibc-article-page .ibc-hero-media{clip-path:none;grid-row:2;height:240px;margin:0;min-height:0}.ibc-article-page .ibc-content-grid{padding-bottom:44px;padding-top:32px}.ibc-article-page .ibc-post-body{font-size:17px}.ibc-article-page .ibc-post-body h2{font-size:26px;margin-bottom:8px;margin-top:32px}.ibc-article-page .ibc-post-body h3{font-size:18px}.ibc-article-page .ibc-article-aside{grid-template-columns:1fr}.ibc-article-page .ibc-inline-progress{flex-wrap:wrap;gap:9px}.ibc-article-page .ibc-inline-progress .ibc-inline-track{min-width:80px}.ibc-article-page .ibc-resume-banner{align-items:stretch;flex-direction:column;padding:18px}.ibc-article-page .ibc-bottom-cta{padding:40px 0}.ibc-article-page .ibc-bottom-cta-inner{display:block}.ibc-article-page .ibc-bottom-cta h2,.ibc-article-page .ibc-section-heading h2{font-size:26px}.ibc-article-page .ibc-bottom-cta-action{margin-top:20px}.ibc-article-page .ibc-related-section{padding:40px 0}.ibc-article-page .ibc-related-grid{gap:16px;grid-template-columns:1fr}.ibc-article-page .ibc-related-card{display:grid;grid-template-columns:122px minmax(0,1fr)}.ibc-article-page .ibc-related-image{aspect-ratio:auto;min-height:126px}.ibc-article-page .ibc-related-copy{padding:14px}.ibc-article-page .ibc-related-copy h3{font-size:18px}.ibc-article-page .ibc-hero-copy .ibc-eyebrow:after,.ibc-article-page .ibc-section-heading .ibc-small-label:after{height:3px;width:48px}}@media(prefers-reduced-motion:reduce){.ibc-article-page *,.ibc-reading-progress span{scroll-behavior:auto!important;transition:none!important}}.ibc-article-page{background:radial-gradient(ellipse 54% 26% at 0 40%,rgba(10,135,225,.38) 0,transparent 100%),radial-gradient(ellipse 58% 26% at 104% 63%,rgba(65,78,206,.42) 0,transparent 100%),linear-gradient(130deg,#0a2d69,#174a94 32%,#2872bb 61%,#10326f)}.ibc-article-page .ibc-article{overflow:clip}.ibc-article-page .ibc-article-hero{background:radial-gradient(ellipse at 73% 85%,rgba(65,78,206,.65) 0,transparent 46%),linear-gradient(118deg,#071d49,#10367b 53%,#414ece);border-bottom:1px solid hsla(0,0%,100%,.18)}.ibc-article-page .ibc-article-hero:before{background:linear-gradient(139deg,transparent 0 11%,rgba(10,135,225,.27) 11% 17%,transparent 17% 100%),radial-gradient(circle at -9% 108%,rgba(59,175,236,.28),transparent 33%),radial-gradient(circle at 49% -40%,rgba(65,78,206,.32),transparent 60%);z-index:0}.ibc-article-page .ibc-hero-inner{min-height:440px;position:relative;z-index:1}.ibc-article-page .ibc-hero-inner.ibc-hero--no-image{min-height:365px}.ibc-article-page .ibc-hero--no-image:after{border:62px solid rgba(59,175,236,.11);height:490px;right:-155px;top:-120px;width:490px}.ibc-article-page .ibc-hero-copy{padding-block:64px}.ibc-article-page .ibc-hero-copy h1{color:#fff;font-size:clamp(34px,3.8vw,50px);letter-spacing:-.035em;text-shadow:0 2px 16px rgba(0,14,57,.15);text-wrap:balance}.ibc-article-page .ibc-deck{color:#e7eeff}.ibc-article-page .ibc-breadcrumb,.ibc-article-page .ibc-breadcrumb a{color:#dce8fc}.ibc-article-page .ibc-breadcrumb a:hover{color:#fff}.ibc-article-page .ibc-breadcrumb .ibc-crumb-separator{color:#a7c8f3}.ibc-article-page .ibc-hero-copy .ibc-eyebrow{color:#81d5ff}.ibc-article-page .ibc-hero-copy .ibc-eyebrow:after{background:#3bafec}.ibc-article-page .ibc-byline,.ibc-article-page .ibc-date,.ibc-article-page .ibc-read-time{color:#e1eafb}.ibc-article-page .ibc-author{color:#fff}.ibc-article-page .ibc-byline-separator{color:#8fb6ea}.ibc-article-page .ibc-byline img{border:2px solid hsla(0,0%,100%,.8)}.ibc-article-page .ibc-hero-media{background:#113c9a}.ibc-article-page .ibc-hero-media:before{background:linear-gradient(95deg,rgba(13,44,118,.4),transparent 52%)}.ibc-article-page .ibc-content-grid{gap:25px;isolation:isolate;padding-bottom:58px;padding-top:44px;position:relative}.ibc-article-page .ibc-content-grid:before{border:70px solid hsla(0,0%,100%,.055);border-radius:50%;bottom:-185px;content:"";height:660px;left:-550px;pointer-events:none;position:absolute;width:660px;z-index:-1}.ibc-article-page .ibc-reading-column{background:#fff;border:1px solid hsla(0,0%,100%,.85);border-radius:18px;box-shadow:0 18px 55px rgba(5,24,71,.18);padding:42px 46px 48px}.ibc-article-page .ibc-post-body h2{border-bottom:1px solid #dce9fa;color:#0b2860;counter-increment:ibc-section;display:block;font-size:clamp(24px,2.5vw,32px);margin-bottom:19px;margin-top:44px;padding-bottom:16px}.ibc-article-page .ibc-post-body{counter-reset:ibc-section}.ibc-article-page .ibc-post-body h2:before{align-items:center;background:linear-gradient(120deg,#0a87e1,#414ece);border-radius:7px 3px 7px 3px;box-shadow:0 3px 10px rgba(10,135,225,.15);color:#fff;content:counter(ibc-section,decimal-leading-zero);display:inline-flex;font:700 14px/1 var(--ibc-display);height:33px;justify-content:center;letter-spacing:0;margin-bottom:4px;margin-right:13px;min-width:43px;padding:0 9px;vertical-align:middle}.ibc-article-page .ibc-post-body h3{color:#113c9a}.ibc-article-page .ibc-inline-progress{border-bottom-color:#dbe8f8;color:#113c9a}.ibc-article-page .ibc-inline-progress .ibc-inline-track{background:#e0eaf7;height:7px}.ibc-article-page .ibc-inline-progress .ibc-inline-track span,.ibc-reading-progress span{background:linear-gradient(90deg,#0a87e1,#414ece)}.ibc-article-page .ibc-post-body blockquote{background:linear-gradient(110deg,#e6f3ff,#f8fbff);border-left-color:#414ece;box-shadow:0 3px 16px rgba(17,60,154,.045)}.ibc-article-page .ibc-post-body .ibc-takeaway{background:linear-gradient(125deg,#dceeff,#eef7ff);border-color:#d0e4f8 #d0e4f8 #d0e4f8 #0a87e1}.ibc-article-page .ibc-post-body .ibc-definition{background:#f0effd;border-color:#dcddf7 #dcddf7 #dcddf7 #414ece}.ibc-article-page .ibc-post-body .ibc-steps>li:before{background:#113c9a;border-color:#113c9a;color:#fff}.ibc-article-page .ibc-article-aside{gap:13px;top:25px}.ibc-article-page .ibc-aside-card{border-radius:15px;box-shadow:0 12px 28px rgba(5,24,71,.15);padding:22px}.ibc-article-page .ibc-toc-card{background:linear-gradient(180deg,#243aab 0 63px,#fff 63px 100%);border:1px solid hsla(0,0%,100%,.9);order:0}.ibc-article-page .ibc-toc-card h2{font-size:19px;margin-bottom:21px;min-height:31px}.ibc-article-page .ibc-toc-card li:before{background:#edf5ff;border-color:#d8e9fe;color:#113c9a}.ibc-article-page .ibc-toc-card a{color:#263d68}.ibc-article-page .ibc-toc-card a[aria-current=location]{background:#e6f0fe;border-radius:5px;color:#113c9a;font-weight:700;margin-left:-5px;padding:5px 6px}.ibc-article-page .ibc-definitions-card{background:linear-gradient(135deg,#eeedff,#fff 90%);border-color:#d6d6f6;order:1}.ibc-article-page .ibc-definitions-card h2{color:#292f88}.ibc-article-page .ibc-definitions-card .ibc-term-link{color:#414ece}.ibc-article-page .ibc-resource-card{background:linear-gradient(134deg,#c9eaff,#ecf7ff 75%);border-color:#add9f7;order:2}.ibc-article-page .ibc-resource-card h2{color:#092b67}.ibc-article-page .ibc-resource-card .ibc-small-label{color:#0b57ac}.ibc-article-page .ibc-topics-card{background:linear-gradient(140deg,#f0eeff,#fff);border-color:#d9d8f7;order:3}.ibc-article-page .ibc-aside-cta{background:linear-gradient(130deg,#061942,#12377d 75%,#414ece);border:1px solid rgba(146,188,255,.5);box-shadow:0 15px 34px rgba(5,24,71,.3);isolation:isolate;order:4;overflow:hidden;position:relative}.ibc-article-page .ibc-aside-cta:before{border:34px solid rgba(10,135,225,.24);border-radius:50%;bottom:-115px;content:"";height:230px;pointer-events:none;position:absolute;right:-75px;width:230px;z-index:-1}.ibc-article-page .ibc-aside-cta .ibc-small-label{color:#80d2ff}.ibc-article-page .ibc-aside-cta h2{color:#fff}.ibc-article-page :is(.ibc-aside-cta,.ibc-bottom-cta) :is(.hs-button,.hs_cos_wrapper_type_button a){background:#0a87e1;border-radius:8px;box-shadow:0 4px 12px rgba(0,19,68,.12)}.ibc-article-page .ibc-bottom-cta{background:linear-gradient(112deg,#12377f,#414ece);border-top:1px solid hsla(0,0%,100%,.2);color:#fff;isolation:isolate;overflow:hidden;position:relative}.ibc-article-page .ibc-bottom-cta:before{border:60px solid rgba(59,175,236,.2);border-radius:50%;bottom:-185px;content:"";height:420px;left:-85px;pointer-events:none;position:absolute;width:420px;z-index:-1}.ibc-article-page .ibc-bottom-cta .ibc-small-label{color:#a5dfff}.ibc-article-page .ibc-related-section{background:radial-gradient(ellipse at 92% 97%,rgba(65,78,206,.4),transparent 48%),linear-gradient(120deg,#051638,#092859 55%,#061c48);border-top:1px solid rgba(176,203,255,.22)}.ibc-article-page .ibc-related-section:before{border:75px solid rgba(10,135,225,.16);bottom:-260px;height:610px;left:auto;right:-185px;width:610px}.ibc-article-page .ibc-related-section .ibc-small-label{color:#8ed9ff}.ibc-article-page .ibc-related-section .ibc-section-heading .ibc-small-label:after{background:#3bafec}.ibc-article-page .ibc-related-card{border-radius:12px;box-shadow:0 12px 24px rgba(0,9,37,.25)}.ibc-article-page .ibc-related-card:hover{box-shadow:0 17px 31px rgba(0,9,37,.35)}.ibc-article-page .ibc-article-resources,.ibc-article-page .ibc-series-nav{background:#fff;border-radius:15px;box-shadow:0 14px 28px rgba(5,24,71,.13);margin-bottom:30px;padding:27px 32px}.ibc-article-page .ibc-resume-banner{background:#fff;box-shadow:0 10px 32px rgba(5,24,71,.18)}.ibc-article-page .ibc-comments{background:#fff;border-radius:14px;margin-block:30px;padding:26px}@media(max-width:1000px){.ibc-article-page .ibc-content-grid{gap:20px}.ibc-article-page .ibc-reading-column{padding:34px 31px 40px}}@media(max-width:820px){.ibc-article-page .ibc-article-aside{position:static}.ibc-article-page .ibc-content-grid{gap:22px}}@media(max-width:640px){.ibc-article-page .ibc-hero-copy{padding:34px 0 38px}.ibc-article-page .ibc-hero-inner.ibc-hero--no-image{min-height:0}.ibc-article-page .ibc-reading-column{border-radius:13px;padding:24px 20px 30px}.ibc-article-page .ibc-content-grid{padding-bottom:30px;padding-top:22px}.ibc-article-page .ibc-post-body h2{font-size:25px;margin-top:32px}.ibc-article-page .ibc-post-body h2:before{font-size:12px;height:30px;margin-right:10px;min-width:36px}.ibc-article-page .ibc-aside-card{padding:19px}.ibc-article-page .ibc-article-resources,.ibc-article-page .ibc-series-nav{padding:23px 19px}}.ibc-article-page .ibc-post-body .ibc-lead{color:#24354d;font-size:20px;line-height:1.72;margin-bottom:20px}.ibc-article-page .ibc-post-body .ibc-viz,.ibc-article-page .ibc-post-body .ibc-viz-decision,.ibc-article-page .ibc-post-body .ibc-viz-jump,.ibc-article-page .ibc-post-body .ibc-viz-mec{box-sizing:border-box;font-family:Montserrat,Arial,sans-serif;max-width:100%}.ibc-article-page .ibc-post-body .ibc-viz *{box-sizing:border-box}.ibc-article-page .ibc-post-body .ibc-viz{background:#f8fbff;border:1px solid #d5e4f5;border-radius:16px;box-shadow:0 12px 30px rgba(7,36,89,.075);color:#23334f;display:block;margin:34px 0 40px;overflow:hidden;padding:26px}.ibc-article-page .ibc-post-body .ibc-viz-head{align-items:flex-start;display:flex;gap:14px;justify-content:space-between;margin-bottom:24px}.ibc-article-page .ibc-post-body .ibc-viz-head>div{min-width:0}.ibc-article-page .ibc-post-body .ibc-viz-kicker{color:#414ece;display:block;font:700 10px/1.5 Montserrat,Arial,sans-serif;letter-spacing:.15em;margin-bottom:8px}.ibc-article-page .ibc-post-body .ibc-viz h3,.ibc-article-page .ibc-post-body .ibc-viz-decision h3,.ibc-article-page .ibc-post-body .ibc-viz-mec h3{color:#102e6c;font:700 22px/1.25 Montserrat,Arial,sans-serif;letter-spacing:-.035em;margin:0}.ibc-article-page .ibc-post-body .ibc-viz-pill{background:#e5ecff;border:1px solid #c4d3f9;border-radius:30px;color:#253f9a;flex-shrink:0;font:700 10px/1.3 Montserrat,Arial,sans-serif;letter-spacing:.035em;padding:7px 10px}.ibc-article-page .ibc-post-body .ibc-viz figcaption,.ibc-article-page .ibc-post-body .ibc-viz-footnote{color:#53647d;font:400 12px/1.65 Montserrat,Arial,sans-serif;margin:18px 0 0}.ibc-article-page .ibc-post-body .ibc-viz-jump{background:linear-gradient(115deg,#102d70,#414ece);border:1px solid hsla(0,0%,100%,.15);border-radius:15px;box-shadow:0 12px 25px rgba(12,42,111,.17);margin:26px 0 37px;padding:24px 26px}.ibc-article-page .ibc-post-body .ibc-viz-jump .ibc-viz-kicker{color:#a7dbff}.ibc-article-page .ibc-post-body .ibc-viz-jump p{color:#fff;font:500 16px/1.65 Montserrat,Arial,sans-serif;margin:0}.ibc-article-page .ibc-post-body .ibc-viz--allocation{background:linear-gradient(140deg,#f9fbff,#e8f4ff)}.ibc-article-page .ibc-post-body .ibc-viz-allocation-bar{border-radius:10px;box-shadow:0 6px 16px rgba(10,41,103,.12);display:flex;gap:3px;height:65px;overflow:hidden}.ibc-article-page .ibc-post-body .ibc-viz-base{background:#113c9a;flex:0 0 10%}.ibc-article-page .ibc-post-body .ibc-viz-pua{align-items:center;background:linear-gradient(110deg,#087bd4,#3bafec);color:#fff;display:flex;flex:1;gap:8px;justify-content:center}.ibc-article-page .ibc-post-body .ibc-viz-pua strong{font:800 25px/1 Montserrat,Arial,sans-serif}.ibc-article-page .ibc-post-body .ibc-viz-pua small{font:600 12px/1.3 Montserrat,Arial,sans-serif}.ibc-article-page .ibc-post-body .ibc-viz-two{display:grid;gap:12px;grid-template-columns:1fr 1fr;margin-top:16px}.ibc-article-page .ibc-post-body .ibc-viz-stat{align-items:center;background:#fff;border:1px solid #d9e5f4;border-radius:10px;color:#52617a;display:grid;font:600 12px/1.45 Montserrat,Arial,sans-serif;gap:4px 9px;grid-template-columns:auto 1fr;padding:15px}.ibc-article-page .ibc-post-body .ibc-viz-stat strong{color:#122f68;font:800 23px/1.25 Montserrat,Arial,sans-serif;grid-column:2}.ibc-article-page .ibc-post-body .ibc-viz-dot{border-radius:3px;display:inline-block;flex:none;height:11px;width:11px}.ibc-article-page .ibc-post-body .ibc-viz-dot--navy{background:#113c9a}.ibc-article-page .ibc-post-body .ibc-viz-dot--blue{background:#0a87e1}.ibc-article-page .ibc-post-body .ibc-viz-scroll{border:1px solid #d3e3f3;border-radius:11px;overflow-x:auto}.ibc-article-page .ibc-post-body table.ibc-viz-table{border-collapse:collapse;display:table;font:500 13px/1.5 Montserrat,Arial,sans-serif;margin:0;max-width:none;min-width:480px;width:100%}.ibc-article-page .ibc-post-body .ibc-viz-table :is(th,td){border:0;border-bottom:1px solid #d8e5f3;color:#18345f;padding:16px 13px;text-align:left;vertical-align:middle}.ibc-article-page .ibc-post-body .ibc-viz-table thead th{background:#102f73;color:#fff;font:700 11px/1.4 Montserrat,Arial,sans-serif}.ibc-article-page .ibc-post-body .ibc-viz-table thead th.ibc-viz-featured{background:#414ece;color:#fff}.ibc-article-page .ibc-post-body .ibc-viz-table tbody tr:nth-child(2n){background:#f2f7fd}.ibc-article-page .ibc-post-body .ibc-viz-table tbody .ibc-viz-featured{background:#e8edff;color:#243d9d}.ibc-article-page .ibc-post-body .ibc-viz-table td strong{color:inherit;font-size:19px;font-weight:800}.ibc-article-page .ibc-post-body .ibc-viz-footnote{background:#ecf3fd;border-radius:8px;padding:12px 14px}.ibc-article-page .ibc-post-body .ibc-viz--coverage{background:linear-gradient(130deg,#eaf3ff,#f9fbff)}.ibc-article-page .ibc-post-body .ibc-viz-cover-rows{display:grid;gap:24px}.ibc-article-page .ibc-post-body .ibc-viz-cover-label,.ibc-article-page .ibc-post-body .ibc-viz-cover-values{align-items:center;color:#2b446b;display:flex;flex-wrap:wrap;font:600 12px/1.5 Montserrat,Arial,sans-serif;gap:6px 12px;justify-content:space-between}.ibc-article-page .ibc-post-body .ibc-viz-cover-label strong{color:#142f60;font-weight:800}.ibc-article-page .ibc-post-body .ibc-viz-cover-bar{border-radius:7px;display:flex;gap:2px;height:36px;margin:10px 0 8px;overflow:hidden}.ibc-article-page .ibc-post-body .ibc-viz-cover-whole{background:#113c9a}.ibc-article-page .ibc-post-body .ibc-viz-cover-term{background:linear-gradient(100deg,#0a87e1,#39a7eb)}.ibc-article-page .ibc-post-body .ibc-viz-p10{width:10%}.ibc-article-page .ibc-post-body .ibc-viz-p90{width:90%}.ibc-article-page .ibc-post-body .ibc-viz-p13{width:13%}.ibc-article-page .ibc-post-body .ibc-viz-p87{width:87%}.ibc-article-page .ibc-post-body .ibc-viz-legend{color:#3a506e;display:flex;flex-wrap:wrap;font:600 11px/1.5 Montserrat,Arial,sans-serif;gap:16px;margin-top:20px}.ibc-article-page .ibc-post-body .ibc-viz-legend span{align-items:center;display:flex;gap:7px}.ibc-article-page .ibc-post-body .ibc-viz--timeline{background:linear-gradient(140deg,#0c2b69,#164a9d);border:1px solid #2b65b1;color:#fff}.ibc-article-page .ibc-post-body .ibc-viz--timeline :is(.ibc-viz-kicker,.ibc-viz-head h3){color:#fff}.ibc-article-page .ibc-post-body .ibc-viz--timeline .ibc-viz-kicker{color:#93d8ff}.ibc-article-page .ibc-post-body .ibc-viz--timeline figcaption{color:#d5e8ff}.ibc-article-page .ibc-post-body .ibc-viz-timeline{display:grid;gap:12px;grid-template-columns:1fr 1fr}.ibc-article-page .ibc-post-body .ibc-viz-timeline-step{align-items:flex-start;background:hsla(0,0%,100%,.095);border:1px solid hsla(0,0%,100%,.2);border-radius:12px;display:flex;gap:12px;padding:16px}.ibc-article-page .ibc-post-body .ibc-viz-timeline-number{background:#0a87e1;border-radius:50%;color:#fff;display:grid;flex:0 0 31px;font:800 11px Montserrat,Arial,sans-serif;height:31px;place-items:center}.ibc-article-page .ibc-post-body .ibc-viz-timeline-step--alert{background:rgba(65,78,206,.5);border-color:rgba(180,199,255,.7)}.ibc-article-page .ibc-post-body .ibc-viz-timeline-step strong{color:#fff;display:block;font:800 19px/1.2 Montserrat,Arial,sans-serif;margin:5px 0}.ibc-article-page .ibc-post-body .ibc-viz-time{color:#c7e8ff;font:600 10px/1.5 Montserrat,Arial,sans-serif}.ibc-article-page .ibc-post-body .ibc-viz-timeline-step p{color:#ebf4ff;font:400 12px/1.6 Montserrat,Arial,sans-serif;margin:0}.ibc-article-page .ibc-post-body .ibc-viz--compare{background:linear-gradient(130deg,#f1f5ff,#fff)}.ibc-article-page .ibc-post-body .ibc-viz-compare-list{display:grid;gap:10px}.ibc-article-page .ibc-post-body .ibc-viz-compare-row{background:#fff;border:1px solid #dce6f5;border-radius:11px;padding:16px}.ibc-article-page .ibc-post-body .ibc-viz-compare-row--featured{background:#edefff;border-color:#bfc4fb}.ibc-article-page .ibc-post-body .ibc-viz-compare-meta,.ibc-article-page .ibc-post-body .ibc-viz-compare-top{color:#50627c;display:flex;flex-wrap:wrap;font:500 11px/1.5 Montserrat,Arial,sans-serif;gap:5px 10px;justify-content:space-between}.ibc-article-page .ibc-post-body .ibc-viz-compare-top strong{color:#172f62;font:800 14px/1.35 Montserrat,Arial,sans-serif}.ibc-article-page .ibc-post-body .ibc-viz-compare-top span{color:#3149a6;font-weight:700}.ibc-article-page .ibc-post-body .ibc-viz-track{background:#dfeaf8;border-radius:100px;height:18px;margin:13px 0 8px;overflow:hidden;width:100%}.ibc-article-page .ibc-post-body .ibc-viz-fill{background:#0a87e1;border-radius:100px;display:block;height:100%}.ibc-article-page .ibc-post-body .ibc-viz-fill--5{width:20%}.ibc-article-page .ibc-post-body .ibc-viz-fill--17{background:#414ece;width:70%}.ibc-article-page .ibc-post-body .ibc-viz-fill--25{background:#113c9a;width:100%}.ibc-article-page .ibc-post-body .ibc-viz-compare-meta strong{color:#193b78}.ibc-article-page .ibc-post-body .ibc-viz-axis{color:#6c7b91;display:flex;font:600 10px/1.4 Montserrat,Arial,sans-serif;justify-content:space-between;padding:7px 6px 0}.ibc-article-page .ibc-post-body .ibc-viz-mec{background:linear-gradient(120deg,#ebeeff,#f8faff);border:1px solid #bbc6f7;border-radius:14px;display:flex;gap:17px;margin:24px 0 28px;padding:23px}.ibc-article-page .ibc-post-body .ibc-viz-mec-symbol{background:#414ece;border-radius:50%;color:#fff;display:grid;flex:0 0 36px;font:800 19px/1 Montserrat,Arial,sans-serif;height:36px;place-items:center}.ibc-article-page .ibc-post-body .ibc-viz-mec p{color:#354a67;font:400 14px/1.7 Montserrat,Arial,sans-serif;margin:11px 0 0}.ibc-article-page .ibc-post-body .ibc-viz-decision{background:linear-gradient(125deg,#102e73,#0b4e99);border-radius:15px;color:#fff;margin:24px 0 30px;padding:25px 26px}.ibc-article-page .ibc-post-body .ibc-viz-decision .ibc-viz-kicker{color:#a8e0ff}.ibc-article-page .ibc-post-body .ibc-viz-decision h3{color:#fff}.ibc-article-page .ibc-post-body .ibc-viz-decision ol{counter-reset:vizquestion;list-style:none;margin:19px 0 0;padding:0}.ibc-article-page .ibc-post-body .ibc-viz-decision li{border-bottom:1px solid hsla(0,0%,100%,.15);color:#eaf5ff;counter-increment:vizquestion;font:400 13px/1.65 Montserrat,Arial,sans-serif;margin:0 0 13px;padding:0 0 13px 37px;position:relative}.ibc-article-page .ibc-post-body .ibc-viz-decision li:before{color:#96d9ff;content:counter(vizquestion,decimal-leading-zero);font:800 13px/1.6 Montserrat,Arial,sans-serif;left:0;position:absolute;top:0}.ibc-article-page .ibc-post-body .ibc-viz-decision li:last-child{border:0;margin-bottom:0;padding-bottom:0}.ibc-article-page .ibc-post-body .ibc-viz-source-note{background:#eff4fb;border-left:3px solid #414ece;border-radius:8px;color:#53647b;font:400 12px/1.65 Montserrat,Arial,sans-serif;margin:30px 0 0;padding:15px 18px}@media(max-width:700px){.ibc-article-page .ibc-post-body .ibc-lead{font-size:18px}.ibc-article-page .ibc-post-body .ibc-viz{border-radius:12px;margin:26px 0 32px;padding:20px 17px}.ibc-article-page .ibc-post-body .ibc-viz-head{display:block}.ibc-article-page .ibc-post-body .ibc-viz-pill{display:inline-block;margin-top:10px}.ibc-article-page .ibc-post-body .ibc-viz h3,.ibc-article-page .ibc-post-body .ibc-viz-decision h3,.ibc-article-page .ibc-post-body .ibc-viz-mec h3{font-size:19px}.ibc-article-page .ibc-post-body .ibc-viz-pua small{display:none}.ibc-article-page .ibc-post-body .ibc-viz-stat{font-size:11px;gap:4px 6px;padding:11px}.ibc-article-page .ibc-post-body .ibc-viz-stat strong{font-size:18px}.ibc-article-page .ibc-post-body .ibc-viz-timeline{grid-template-columns:1fr}.ibc-article-page .ibc-post-body .ibc-viz-mec{gap:12px;padding:17px 14px}.ibc-article-page .ibc-post-body .ibc-viz-decision{padding:21px 18px}}@media (min-width:821px){body:has(main.ibc-article-page) .body-wrapper>header.header{background:#fff;box-shadow:0 6px 18px rgba(4,22,66,.12);position:sticky;top:0;z-index:1200}}.ibc-article-page{--ibc-sticky-offset:160px}.ibc-article-page .ibc-post-body :is(h2,h3,h4),.ibc-article-page .ibc-post-body [id]{scroll-margin-top:var(--ibc-sticky-offset)}.ibc-article-page .ibc-deck{max-width:660px}.ibc-article-page .ibc-deck[hidden]{display:none!important}.ibc-article-page .ibc-reading-column{border:1px solid rgba(198,215,242,.75);box-shadow:0 16px 34px rgba(5,27,79,.12);position:relative}.ibc-article-page .ibc-back-to-blog{align-items:center;color:#16468b;display:inline-flex;font:700 13px/1.5 var(--ibc-display);gap:10px;letter-spacing:-.01em;margin:0 0 21px;text-decoration:none}.ibc-article-page .ibc-back-to-blog span{font-size:23px;line-height:1}.ibc-article-page .ibc-back-to-blog:hover{color:#0a87e1}.ibc-article-page .ibc-inline-progress{margin-bottom:30px;padding-bottom:22px}.ibc-article-page .ibc-post-body h2{scroll-margin-top:var(--ibc-sticky-offset)}.ibc-article-page .ibc-toc-card{background:#fff;border:1px solid #bcd2f3;order:-3;overflow:hidden;padding:0}.ibc-article-page .ibc-article-aside .ibc-aside-cta{order:3}.ibc-article-page .ibc-definitions-card{order:0}.ibc-article-page .ibc-resource-card{order:1}.ibc-article-page .ibc-topics-card{order:2}.ibc-article-page .ibc-toc-card h2{background:linear-gradient(108deg,#153a94,#414ece);color:#fff;font:700 18px/1.3 var(--ibc-display);margin:0;padding:16px 19px}.ibc-article-page .ibc-toc-card nav{padding:13px 12px 15px}.ibc-article-page .ibc-toc-card li{margin:0 0 3px;padding:0}.ibc-article-page .ibc-toc-card li:before{display:none}.ibc-article-page .ibc-toc-card li a{align-items:center;border-left:3px solid transparent;border-radius:7px;color:#253a63;display:flex;font:600 13px/1.42 var(--ibc-display);padding:11px 13px;transition:background-color .15s ease,color .15s ease,border-color .15s ease}.ibc-article-page .ibc-toc-card li a:hover{background:#ecf4fd;color:#123c89}.ibc-article-page .ibc-toc-card li a[aria-current=location]{background:linear-gradient(90deg,#dcebff,#f3f8ff);border-left-color:#0a87e1;color:#103b87;font-weight:700}@media (min-width:821px){.ibc-article-page .ibc-article-aside{max-height:calc(100vh - var(--ibc-sticky-offset) - 12px);overflow-y:auto;overscroll-behavior:contain;padding-right:4px;scrollbar-color:rgba(90,143,209,.45) transparent;scrollbar-width:thin;top:var(--ibc-sticky-offset)}}.ibc-article-page .ibc-related-section{background:linear-gradient(120deg,#071a41,#123777 52%,#253c95);padding:54px 0 62px}.ibc-article-page .ibc-related-section .ibc-section-heading{align-items:flex-start;display:flex;flex-direction:column;gap:0;margin-bottom:23px}.ibc-article-page .ibc-related-section .ibc-section-heading h2{margin:10px 0 0}.ibc-article-page .ibc-related-grid{gap:17px}.ibc-article-page .ibc-related-card{border:1px solid rgba(194,217,255,.8);border-radius:13px;box-shadow:0 8px 22px rgba(0,10,38,.18);display:flex;flex-direction:row;min-height:152px}.ibc-article-page .ibc-related-image{align-self:stretch;aspect-ratio:auto;background:linear-gradient(125deg,#bfdbfa,#7899d5);flex:0 0 36%;min-width:0}.ibc-article-page .ibc-related-image img{display:block;height:100%;object-fit:cover;width:100%}.ibc-article-page .ibc-related-copy{gap:9px;padding:17px 14px}.ibc-article-page .ibc-related-category{font:700 10px/1.35 var(--ibc-display);letter-spacing:.08em}.ibc-article-page .ibc-related-copy h3{font-size:16px;line-height:1.36;overflow-wrap:anywhere}.ibc-article-page .ibc-related-more{font-size:12px;margin-top:auto}.ibc-article-page .ibc-learning-paths{background:linear-gradient(110deg,#eaf3ff,#f6f9ff 59%,#e3f0fe);border-bottom:1px solid #d3e4f8;border-top:1px solid #d3e4f8;padding:38px 0}.ibc-article-page .ibc-learning-paths-inner{align-items:center;display:grid;gap:35px;grid-template-columns:minmax(0,.88fr) minmax(0,1.12fr)}.ibc-article-page .ibc-learning-paths-intro h2{color:#102e6d;font-size:clamp(23px,2.3vw,30px);line-height:1.25;margin:9px 0}.ibc-article-page .ibc-learning-paths-intro p{color:#405579;font:400 14px/1.65 var(--ibc-display);margin:0;max-width:440px}.ibc-article-page .ibc-learning-paths-grid{display:grid;gap:14px;grid-template-columns:1fr 1fr}.ibc-article-page .ibc-learning-link{align-items:center;background:#fff;border:1px solid #c9ddf8;border-radius:12px;box-shadow:0 6px 14px rgba(12,48,107,.055);color:#113b86;display:flex;gap:12px;min-height:114px;min-width:0;padding:16px;text-decoration:none;transition:transform .18s,box-shadow .18s}.ibc-article-page .ibc-learning-link:hover{box-shadow:0 8px 20px rgba(12,48,107,.1);transform:translateY(-2px)}.ibc-article-page .ibc-learning-link-icon{background:linear-gradient(130deg,#0a87e1,#414ece);border-radius:10px;color:#fff;display:grid;flex-shrink:0;font-family:Arial,sans-serif;font-size:19px;height:40px;place-items:center;width:40px}.ibc-article-page .ibc-learning-link strong{display:block;font:700 14px/1.4 var(--ibc-display)}.ibc-article-page .ibc-learning-link small{color:#556986;display:block;font:400 12px/1.45 var(--ibc-display);margin-top:4px}.ibc-article-page .ibc-learning-link-arrow{flex-shrink:0;font:700 19px/1 var(--ibc-display);margin-left:auto}.ibc-article-page .ibc-bottom-cta{background:linear-gradient(110deg,#102f72,#133d8d 64%,#414ece);border-top:0;padding:48px 0 53px}.ibc-article-page .ibc-bottom-cta :is(h2,p){color:#fff}.ibc-article-page .ibc-bottom-cta .ibc-small-label{color:#a9dffe}.ibc-article-page .ibc-bottom-cta h2{font-size:clamp(25px,2.4vw,32px)}@media(max-width:1000px){.ibc-article-page .ibc-related-grid{gap:12px}.ibc-article-page .ibc-related-image{flex-basis:31%}.ibc-article-page .ibc-related-copy{padding:13px 11px}.ibc-article-page .ibc-related-copy h3{font-size:15px}.ibc-article-page .ibc-learning-paths-inner{gap:20px}}@media(max-width:820px){.ibc-article-page .ibc-article-aside{max-height:none;overflow:visible;padding-right:0}.ibc-article-page .ibc-learning-paths-inner,.ibc-article-page .ibc-related-grid{grid-template-columns:1fr}.ibc-article-page .ibc-related-card{min-height:145px}.ibc-article-page .ibc-related-image{flex-basis:32%}}@media(max-width:640px){.ibc-article-page .ibc-back-to-blog{margin-bottom:17px}.ibc-article-page .ibc-toc-card nav{padding:11px}.ibc-article-page .ibc-related-grid{gap:13px}.ibc-article-page .ibc-related-card{display:flex;min-height:130px}.ibc-article-page .ibc-related-image{flex:0 0 33%}.ibc-article-page .ibc-related-copy{padding:13px}.ibc-article-page .ibc-related-copy h3{font-size:15px}.ibc-article-page .ibc-related-section{padding:39px 0 43px}.ibc-article-page .ibc-learning-paths{padding:30px 0}.ibc-article-page .ibc-learning-paths-grid{grid-template-columns:1fr}.ibc-article-page .ibc-learning-link{min-height:90px}.ibc-article-page .ibc-bottom-cta{padding:36px 0}}@media(prefers-reduced-motion:reduce){.ibc-article-page .ibc-learning-link{transition:none}}.ibc-article-page .ibc-subscribe{background:linear-gradient(114deg,#dceaff,#edf4ff 57%,#dde4fe);border-bottom:1px solid #c3d5f0;border-top:1px solid #bed6f3;isolation:isolate;overflow:hidden;padding:51px 0 55px;position:relative}.ibc-article-page .ibc-subscribe:before{border:82px solid rgba(65,78,206,.075);border-radius:50%;content:"";height:600px;pointer-events:none;position:absolute;right:-160px;top:-330px;width:600px;z-index:-1}.ibc-article-page .ibc-subscribe-inner{align-items:center;display:grid;gap:64px;grid-template-columns:minmax(0,.95fr) minmax(0,1.05fr)}.ibc-article-page .ibc-subscribe-copy{max-width:490px}.ibc-article-page .ibc-subscribe-copy .ibc-small-label{color:#414ece;font:700 12px/1.35 var(--ibc-display);letter-spacing:.11em}.ibc-article-page .ibc-subscribe-copy h2{color:#102d69;font:700 clamp(26px,2.7vw,36px)/1.17 var(--ibc-display);margin:12px 0 14px;max-width:520px}.ibc-article-page .ibc-subscribe-copy p{color:#394c6e;font:400 16px/1.65 var(--ibc-reading);margin:0 0 14px}.ibc-article-page .ibc-subscribe-reassurance{color:#536b8c;font:600 12px/1.5 var(--ibc-display)}.ibc-article-page .ibc-subscribe-form-card{background:#fff;border:1px solid #bdd2f0;border-radius:16px;box-shadow:0 16px 35px rgba(8,39,99,.12);min-width:0;padding:27px 30px 25px}.ibc-article-page .ibc-subscribe-form-label{color:#414ece;display:block;font:700 10px/1.4 var(--ibc-display);letter-spacing:.12em;margin:0 0 7px}.ibc-article-page .ibc-subscribe-form-card h3{color:#102d69;font:700 21px/1.25 var(--ibc-display);margin:0 0 18px}.ibc-article-page .ibc-subscribe-form-slot{color:#273e62;font:400 14px/1.5 var(--ibc-display);min-width:0}.ibc-article-page .ibc-subscribe-form-slot .form-title{display:none}.ibc-article-page .ibc-subscribe-form-slot form{margin:0}.ibc-article-page .ibc-subscribe-form-slot label{color:#263d60;display:block;font:600 13px/1.5 var(--ibc-display);margin-bottom:6px}.ibc-article-page .ibc-subscribe-form-slot .hs-form-field{margin-bottom:14px}.ibc-article-page .ibc-subscribe-form-slot :is(input[type=email],input[type=text],select){background:#fbfdff;border:1px solid #b5cbea;border-radius:8px;color:#132b57;font:500 14px/1.5 var(--ibc-display);max-width:100%;min-height:47px;padding:11px 13px;width:100%}.ibc-article-page .ibc-subscribe-form-slot :is(input,select):focus-visible{outline:2px solid #0a87e1;outline-offset:2px}.ibc-article-page .ibc-subscribe-form-slot :is(button[type=submit],input[type=submit],.hs-button){background:#0a87e1;border:0;border-radius:8px;color:#fff;cursor:pointer;display:inline-block;font:700 14px/1.4 var(--ibc-display);min-height:44px;padding:12px 19px;transition:background-color .15s ease}.ibc-article-page .ibc-subscribe-form-slot :is(button[type=submit],input[type=submit],.hs-button):hover{background:#0976c4}.ibc-article-page .ibc-subscribe-form-slot .hs-error-msgs{color:#9a2832;font:500 12px/1.45 var(--ibc-display);padding-left:18px}.ibc-article-page .ibc-subscribe-form-slot .submitted-message{color:#123b78;font:600 14px/1.55 var(--ibc-display)}.ibc-article-page .ibc-subscribe-form-footnote{color:#60728d;font:400 11px/1.5 var(--ibc-display);margin:12px 0 0}.ibc-article-page .ibc-subscribe-form-slot:not(:has(form,iframe,.submitted-message)):after{background:#f2f6fc;border:1px solid #dae5f5;border-radius:8px;color:#5d7192;content:"Email signup will appear once blog notifications are enabled.";display:block;font:500 13px/1.55 var(--ibc-display);padding:13px 15px}@media(max-width:820px){.ibc-article-page .ibc-subscribe-inner{gap:22px;grid-template-columns:1fr}.ibc-article-page .ibc-subscribe-copy{max-width:600px}}@media(max-width:640px){.ibc-article-page .ibc-subscribe{padding:36px 0 42px}.ibc-article-page .ibc-subscribe-copy h2{font-size:27px}.ibc-article-page .ibc-subscribe-copy p{font-size:15px}.ibc-article-page .ibc-subscribe-form-card{padding:22px 19px}}@media(prefers-reduced-motion:reduce){.ibc-article-page .ibc-subscribe-form-slot :is(button[type=submit],input[type=submit],.hs-button){transition:none}}