:root{--rm-navy:#012d61;--rm-deep:#071a38;--rm-teal:#078586;--rm-aqua:#67cfcc;--rm-paper:#f7fafc;--rm-line:#dce5ed;--rm-muted:#52647a}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:108px}
body.rm-article-page{margin:0;overflow-x:hidden;background:#fff;color:#1d2d43;font-family:Inter,system-ui,sans-serif;-webkit-font-smoothing:antialiased}
.rm-skip-link{position:fixed;z-index:100;top:10px;left:16px;transform:translateY(-80px);border-radius:7px;background:#fff;padding:10px 14px;color:var(--rm-navy);font-weight:800;box-shadow:0 8px 24px #012d6130}
.rm-skip-link:focus{transform:none;outline:3px solid var(--rm-teal);outline-offset:3px}
.rm-article-main{padding-top:80px;background:#fff}
.rm-article-hero{position:relative;display:grid;grid-template-columns:minmax(0,min(60%,calc(50% + 128px))) minmax(0,1fr);width:100%;min-height:360px;margin:0;overflow:hidden;background:linear-gradient(115deg,#fff 0%,#f6fafc 62%,#e9f4f4 100%)}
.rm-article-hero::before{display:none}
.rm-article-hero-copy{position:relative;z-index:4;display:flex;width:100%;min-width:0;flex-direction:column;justify-content:center;padding:0 78px 0 max(28px,calc((100vw - 1180px)/2 + 28px))}
.rm-article-kicker{margin:0 0 14px;color:var(--rm-teal);font-size:clamp(.68rem,.82vw,.84rem);font-weight:800;line-height:1.5;letter-spacing:.22em;text-transform:uppercase}
.rm-article-kicker span{padding:0 .35em;color:#87a2ab}
.rm-article-hero h1{max-width:900px;margin:0;color:#001c4b;font-size:40px;font-weight:800;line-height:1.05;letter-spacing:-.045em;text-wrap:balance}
.rm-article-deck{max-width:780px;margin:18px 0 0;color:#344459;font-size:clamp(1rem,1.22vw,1.3rem);font-weight:400;line-height:1.4;text-wrap:balance}
.rm-article-accent{display:block;width:82px;height:6px;margin-top:22px;background:var(--rm-teal)}
.rm-article-hero-media{position:relative;z-index:1;min-width:0;margin:0;overflow:hidden;background:#d8e8eb}
.rm-article-hero-media::before,.rm-article-hero-media::after{content:"";position:absolute;z-index:2;top:-1px;bottom:-1px;left:-112px;width:190px;background:rgba(220,241,243,.88);clip-path:polygon(0 0,46% 0,100% 50%,46% 100%,0 100%,55% 50%)}
.rm-article-hero-media::after{left:-70px;background:rgba(7,133,134,.22)}
.rm-article-hero-media img{width:100%;height:100%;object-fit:cover;object-position:50% 43%;transform:scale(1.18);filter:saturate(.82) contrast(1.04);transition:transform .35s ease}
.rm-article-hero-corner{position:absolute;z-index:3;right:-1px;top:22%;width:102px;height:96px;background:linear-gradient(135deg,#0a9998,#007f82);clip-path:polygon(100% 0,100% 100%,0 50%);filter:drop-shadow(-8px 10px 12px rgba(1,45,97,.12))}
.rm-article-layout{display:grid;grid-template-columns:minmax(0,760px) minmax(260px,340px);max-width:1180px;margin:0 auto;padding:76px 28px 96px;gap:88px;align-items:start}
.rm-article-content{min-width:0;color:#26374b;font-size:17px;line-height:1.82}
.rm-article-content p{margin:0 0 1.45em}
.rm-article-content .rm-article-lead{margin-bottom:1.3em;color:#163150;font-size:clamp(1.25rem,2vw,1.55rem);font-weight:400;line-height:1.6}
.rm-article-meta{display:flex;flex-wrap:wrap;gap:8px 24px;margin-bottom:36px;padding-bottom:20px;border-bottom:1px solid var(--rm-line);color:#6b7d91;font-size:12px;font-weight:700;letter-spacing:.04em;text-transform:uppercase}
.rm-article-content h2{margin:2.2em 0 .65em;color:var(--rm-navy);font-size:clamp(1.65rem,2.5vw,2.2rem);font-weight:800;line-height:1.2;letter-spacing:-.025em;scroll-margin-top:110px}
.rm-article-content ul{margin:0 0 1.7em;padding-left:1.25em}.rm-article-content li{margin:.48em 0;padding-left:.35em}.rm-article-content li::marker{color:var(--rm-teal)}
.rm-article-index{margin:38px 0 48px;padding:24px 26px;border:1px solid #d5e5e5;border-left:5px solid var(--rm-teal);border-radius:0 12px 12px 0;background:#f3f9f9}
.rm-article-index strong{display:block;margin-bottom:10px;color:var(--rm-navy);font-size:14px;text-transform:uppercase;letter-spacing:.08em}
.rm-article-index ol{display:grid;margin:0;padding-left:1.25em;gap:5px}.rm-article-index a{color:#31556d;text-decoration:none}.rm-article-index a:hover{text-decoration:underline;color:var(--rm-teal)}
.rm-article-callout{margin:42px 0;padding:24px 26px;border-radius:14px;background:var(--rm-navy);color:#e8f1f7;box-shadow:0 18px 35px #012d6120}
.rm-article-callout strong{display:block;margin-bottom:8px;color:var(--rm-aqua);font-size:13px;text-transform:uppercase;letter-spacing:.1em}.rm-article-callout p{margin:0;line-height:1.65}
.rm-article-checklist{display:grid;margin:26px 0 40px;gap:10px}.rm-article-checklist p{display:grid;grid-template-columns:42px 1fr;align-items:center;margin:0;padding:14px 16px;border:1px solid var(--rm-line);border-radius:10px;background:#fbfcfd;line-height:1.45}.rm-article-checklist span{color:var(--rm-teal);font-size:12px;font-weight:800;letter-spacing:.08em}
.rm-article-note{margin-top:50px!important;padding-top:22px;border-top:1px solid var(--rm-line);color:#6b7d91;font-size:13px;line-height:1.6}
.rm-article-sidebar{position:sticky;top:112px}
.rm-article-advice-card{overflow:hidden;border-radius:18px;background:linear-gradient(145deg,var(--rm-navy),#064d70 68%,var(--rm-teal));padding:30px;color:#fff;box-shadow:0 25px 55px #012d612b}
.rm-article-card-label{margin:0 0 14px!important;color:var(--rm-aqua);font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase}
.rm-article-advice-card h2{margin:0 0 14px;color:#fff;font-size:25px;line-height:1.2;letter-spacing:-.025em}.rm-article-advice-card>p:not(.rm-article-card-label){margin:0;color:#d8e7ee;font-size:14px;line-height:1.65}
.rm-article-advice-card a{display:flex;align-items:center;justify-content:space-between;margin-top:24px;border-radius:9px;background:#fff;padding:14px 16px;color:var(--rm-navy);font-size:14px;font-weight:800;text-decoration:none}.rm-article-advice-card a:hover{background:#e9f7f6}.rm-article-advice-card a:focus-visible{outline:3px solid var(--rm-aqua);outline-offset:3px}
.rm-article-more{display:flex;max-width:1180px;align-items:end;justify-content:space-between;gap:32px;margin:0 auto 90px;padding:36px 38px;border-top:1px solid var(--rm-line);border-bottom:1px solid var(--rm-line)}
.rm-article-more p{margin:0 0 6px;color:var(--rm-teal);font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase}.rm-article-more h2{margin:0;color:var(--rm-navy);font-size:clamp(1.55rem,2.7vw,2.5rem);line-height:1.15}.rm-article-more>a{flex:0 0 auto;color:var(--rm-navy);font-weight:800;text-decoration:none}.rm-article-more>a:hover{color:var(--rm-teal)}
.rm-article-page .rm-site-footer{background:#071a38;color:#fff}
@media(max-width:1050px){.rm-article-hero{grid-template-columns:minmax(0,58%) minmax(0,42%);min-height:350px}.rm-article-hero-copy{padding:0 48px 0 5vw}.rm-article-layout{grid-template-columns:minmax(0,1fr) 280px;gap:48px}}
@media(max-width:820px){.rm-article-hero{grid-template-columns:1fr;min-height:0}.rm-article-hero-copy{max-width:none;justify-self:stretch;padding:0 7vw}.rm-article-hero h1{font-size:40px}.rm-article-hero-media{height:250px}.rm-article-hero-media::before,.rm-article-hero-media::after{top:-80px;bottom:auto;left:-1px;width:calc(100% + 2px);height:120px;clip-path:polygon(0 0,100% 0,100% 28%,50% 100%,0 28%)}.rm-article-hero-media::after{top:-52px}.rm-article-layout{grid-template-columns:1fr;padding-top:58px;gap:48px}.rm-article-sidebar{position:static}.rm-article-advice-card{max-width:620px}.rm-article-more{margin-right:28px;margin-left:28px}}
@media(max-width:560px){html{scroll-padding-top:92px}.rm-article-page,.rm-article-main,.rm-article-hero,.rm-article-hero-copy{width:100%;max-width:100vw;min-width:0}.rm-article-hero-copy{padding:0 20px;overflow:hidden}.rm-article-kicker{max-width:100%;margin-bottom:15px;font-size:.64rem;line-height:1.7;letter-spacing:.11em;overflow-wrap:anywhere}.rm-article-hero h1{width:100%;max-width:100%;font-size:40px;line-height:1.05;letter-spacing:-.045em;text-wrap:wrap;overflow-wrap:anywhere}.rm-article-deck{width:100%;max-width:100%;margin-top:20px;font-size:1rem;text-wrap:wrap;overflow-wrap:anywhere}.rm-article-accent{width:72px;height:6px;margin-top:25px}.rm-article-hero-media{height:230px}.rm-article-hero-media img{object-position:50% 46%;transform:scale(1.04)}.rm-article-hero-corner{display:none}.rm-article-layout{padding:44px 20px 70px}.rm-article-content{font-size:16px;line-height:1.75}.rm-article-meta{display:grid;gap:4px;margin-bottom:28px}.rm-article-content h2{margin-top:1.9em;font-size:1.65rem}.rm-article-index{margin:30px 0 38px;padding:20px}.rm-article-callout{padding:22px 20px}.rm-article-advice-card{padding:26px 22px}.rm-article-more{align-items:flex-start;flex-direction:column;margin:0 20px 64px;padding:28px 4px}.rm-footer-bottom{padding-right:0!important}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}