/* Insights guides (/insights/<slug>/), prefix ia-. Same card system as the home page, About and the Insights hub:
   white card + red bottom edge + maroon icon tile + red title, or the red-gradient card with a white tile. */
.ia{--ia-red:#ff0000;--ia-ink:#470000;color:#470000;overflow-x:clip}
.ia .container{max-width:1500px}
.ia [id]{scroll-margin-top:110px}
.ia-sec{position:relative;padding:50px 0;overflow:clip}

/* pills */
.ia-pill{display:inline-flex;align-items:center;gap:8px;padding:7px 16px;border:1px solid rgba(255,0,0,.28);border-radius:999px;background:rgba(255,0,0,.06);color:#ff0000;font-size:15px;font-weight:700;letter-spacing:1.8px;line-height:1.3;text-transform:uppercase}
.ia-pill i{font-size:13px}
.ia-pill--ghost{border-color:#ff0000;background:rgba(255,0,0,.1);color:#fff}
.ia-pill--white{border-color:#fff;background:#fff;color:#470000}
.ia-pill--hero{border-color:rgba(255,255,255,.75);background:rgba(255,255,255,.12);color:#fff}

/* hero */
.ia-hero{position:relative;overflow:hidden;padding:52px 0 48px;background:#ff0000;color:#fff}
.ia-hero::after{content:"";position:absolute;right:-120px;top:-180px;width:520px;height:520px;border-radius:50%;background:rgba(255,255,255,.07);pointer-events:none}
.ia-hero .container{position:relative;z-index:1}
.ia-hero-copy{max-width:960px}
html body .ia-hero h1:not(#_):not(#_){margin:22px 0 18px;color:#fff!important;-webkit-text-fill-color:#fff!important;font-size:clamp(30px,3.8vw,48px);font-weight:700;line-height:1.15;letter-spacing:-.5px;text-wrap:balance}
html body .ia-hero p.ia-lead:not(#_){max-width:840px;margin:0 0 20px;color:#fff;font-size:18px;line-height:1.6}
.ia-meta{display:flex;flex-wrap:wrap;gap:10px 24px;margin:0 0 24px;padding:0;list-style:none}
.ia-meta li{display:inline-flex;align-items:center;gap:8px;color:#fff;font-size:15px;font-weight:600}
.ia-meta i{color:#fff;opacity:.85}
.ia-actions{display:flex;flex-wrap:wrap;gap:14px}

/* section heads */
.ia-head{display:flex;flex-direction:column;align-items:center;gap:12px;max-width:900px;margin:0 auto 32px;text-align:center}
.ia-head>*{margin:0}

/* cards */
.ia-grid{display:grid;grid-template-columns:minmax(0,1fr);gap:22px}
@media(min-width:768px){.ia-grid--4,.ia-grid--3{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(min-width:1200px){.ia-grid--4{grid-template-columns:repeat(4,minmax(0,1fr))}.ia-grid--3{grid-template-columns:repeat(3,minmax(0,1fr))}}
.ia-card{--gc-text:#470000;--gc-text-hover:#ff0000;--gc-circle:#ff0000;--gc-circle-hover:#470000;--gc-arrow:#fff;position:relative;display:flex;flex-direction:column;gap:16px;padding:26px 24px 24px;border-bottom:4px solid #ff0000;border-radius:24px;background:#fff;box-shadow:0 12px 26px rgba(0,0,0,.16);color:#470000;transition:transform .3s ease,box-shadow .3s ease}
.ia-card:hover{transform:translateY(-3px);box-shadow:0 18px 34px rgba(0,0,0,.2)}
.ia-card--dark{--gc-text:#fff;--gc-text-hover:#fde4e4;--gc-circle:#ff0000;--gc-circle-hover:#470000;background:linear-gradient(160deg,#bb0000,#790000);color:#fff}
.ia-top{display:flex;align-items:center;gap:14px;min-width:0}
.ia-ic{display:flex;flex:0 0 52px;width:52px;height:52px;align-items:center;justify-content:center;font-size:22px}
html body .ia-card h3:not(#_){flex:1 1 auto;min-width:0;margin:0;font-size:20px;font-weight:700;line-height:1.25;letter-spacing:0}
html body .ia-card h3 a:not(#_){color:inherit;text-decoration:none}
html body .ia-card h3 a:not(#_):hover{text-decoration:underline;text-underline-offset:3px}
html body .ia-card--dark h3:not(#_),html body .ia-card--dark h3 a:not(#_){color:#fff;-webkit-text-fill-color:#fff}
html body .ia-card p:not(#_){margin:0;font-size:16px;line-height:1.6;color:inherit}
.ia-foot{margin-top:auto;padding-top:6px}
.ia-card .global-cta{display:inline-flex}
.ia-cat{align-self:flex-start;padding:5px 14px;border:1px solid rgba(255,0,0,.3);border-radius:999px;background:rgba(255,0,0,.05);color:#ff0000;font-size:13px;font-weight:700;letter-spacing:.04em;line-height:1.3}
.ia-card--dark .ia-cat{border-color:rgba(255,255,255,.7);background:rgba(255,255,255,.1);color:#fff}

/* the guide: long-form text + sticky contents */
.ia-layout{display:grid;grid-template-columns:minmax(0,1fr);gap:36px}
@media(min-width:992px){.ia-layout{grid-template-columns:minmax(0,1fr) 340px;gap:56px;align-items:start}}
.ia-article{max-width:860px}
.ia-block+.ia-block{margin-top:34px}
html body .ia-article h2:not(#_){margin:0 0 14px;font-size:clamp(24px,2.6vw,32px);line-height:1.2}
html body .ia-article p:not(#_){margin:0 0 16px;font-size:17px;line-height:1.75}
.ia-list{display:flex;flex-direction:column;gap:11px;margin:0 0 6px;padding:0;list-style:none}
.ia-list li{position:relative;padding-left:28px;font-size:17px;line-height:1.65}
.ia-list li::before{content:"";position:absolute;left:4px;top:.62em;width:10px;height:10px;border-radius:50%;background:#ff0000;box-shadow:0 0 0 4px rgba(255,0,0,.14)}
html body .ia-article p.ia-disclaimer:not(#_){margin:38px 0 0;padding:16px 22px;border-left:4px solid #ff0000;border-radius:14px;background:rgba(255,0,0,.06);font-size:15px;line-height:1.6}
.ia-aside{display:flex;flex-direction:column;gap:20px}
@media(min-width:992px){.ia-aside{position:sticky;top:126px}}
.ia-toc ol{display:flex;flex-direction:column;margin:0;padding:0;list-style:none}
.ia-toc li{border-top:1px solid rgba(71,0,0,.1)}
.ia-toc a{display:flex;align-items:baseline;gap:12px;padding:11px 0;color:#470000;font-size:15px;font-weight:600;line-height:1.35;text-decoration:none;transition:color .2s ease}
.ia-toc a span{flex:0 0 34px;color:#ff0000;font-size:14px;font-weight:800}
.ia-toc a:hover,.ia-toc a:focus-visible{color:#ff0000}

/* FAQ (same look as the FAQ on the Insights hub) */
.ia-faq .faq-split{display:grid;grid-template-columns:minmax(0,1fr);gap:30px;align-items:start}
@media(min-width:992px){.ia-faq .faq-split{grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:56px}}
.ia-faq .faq-left{display:flex;flex-direction:column;align-items:flex-start;gap:14px}
.ia-faq .faq-left>*{margin:0}
.ia-faq .faq-right{padding:14px;border-radius:22px;background:#fff;box-shadow:0 24px 60px rgba(0,0,0,.35)}
.ia-faq .hp-faq-list{display:flex;flex-direction:column;gap:0;margin:0}
.ia-faq .hp-faq-item{border:0;border-bottom:1px solid #f6d6d6;border-radius:10px;background:transparent;overflow:hidden;transition:background .2s ease}
.ia-faq .hp-faq-item:last-child{border-bottom-color:transparent}
.ia-faq .hp-faq-item:hover,.ia-faq .hp-faq-item[open]{border-bottom-color:transparent;background:#fadcdc}
.ia-faq .hp-faq-item summary{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:52px;padding:12px 18px;color:#470000;font-weight:700;line-height:1.4;cursor:pointer;list-style:none}
.ia-faq .hp-faq-item summary:focus-visible{outline:2px solid #ff0000;outline-offset:-3px}
.ia-faq .hp-faq-item summary::-webkit-details-marker{display:none}
.ia-faq .hp-faq-q{flex:1 1 auto;min-width:0}
.ia-faq .hp-faq-item summary::after{content:"+";flex:0 0 24px;width:24px;background:none;color:#ff0000;font-size:24px;font-weight:700;line-height:1;text-align:center}
.ia-faq .hp-faq-item[open] summary::after{content:"\2212"}
.ia-faq .hp-faq-item p{margin:0;padding:0 56px 18px 18px;color:#470000;font-size:16px;line-height:1.65}

/* closing card (final-card pattern) */
.ia-final{max-width:900px;margin:0 auto;text-align:center}
.ia-final>*{margin-left:auto;margin-right:auto}
html body .ia-final h2:not(#_){margin:18px 0 16px;color:#fff}
html body .ia-final p:not(#_){margin:0 0 12px;color:#fff;font-size:16px;line-height:1.6}
.ia-final-actions{display:flex;flex-wrap:wrap;justify-content:center;gap:14px;margin:24px 0 18px}
html body .ia-final p.ia-related:not(#_){margin:0;font-size:15px}
.ia-related a{color:#fff;text-decoration:underline;text-underline-offset:3px}
.ia-related a:hover{color:#fde4e4}
.ia-related span{margin:0 6px;opacity:.7}

@media(max-width:575px){.ia-card{padding:22px 20px 20px}.ia-hero{padding:40px 0 36px}.ia-faq .hp-faq-item summary{padding:12px}.ia-faq .hp-faq-item p{padding:0 14px 16px 12px}}
@media(prefers-reduced-motion:reduce){.ia-card{transition:none}.ia-card:hover{transform:none}}

/* hero buttons: the same pill pair as the other red heroes (first filled maroon, second outlined, white circle + red arrow) */
html body .ia-hero .global-cta.global-cta:not(#_):not(#_):not(#_){--gc-size:28px;--gc-circle:#fff;--gc-circle-hover:#fff;--gc-arrow:#ff0000;gap:10px;min-height:40px;padding:0 4px 0 15px;border:2px solid #fff;background:transparent;color:#fff;line-height:1;white-space:nowrap}
html body .ia-hero .global-cta.global-cta:not(#_):not(#_):not(#_):is(:hover,:focus-visible){border-color:#470000;background:#470000;color:#fff;--gc-circle-hover:#fff;--gc-arrow:#470000}
html body .ia-hero .global-cta.global-cta:not(#_):not(#_):not(#_):first-child{border-color:#470000;background:#470000}
html body .ia-hero .global-cta.global-cta:not(#_):not(#_):not(#_):first-child:is(:hover,:focus-visible){border-color:#fff;background:#fff;color:#470000;--gc-circle-hover:#470000;--gc-arrow:#fff}
@media(max-width:575px){html body .ia-hero .global-cta.global-cta:not(#_):not(#_):not(#_){min-height:44px;padding:0 5px 0 16px;font-size:14px;white-space:normal}}

/* in the stacked cards (related guides) the title keeps its own height */
html body .ia-card>h3:not(#_){flex:0 0 auto}

/* ===== long-form (Markdown) articles: tables, numbered lists, callouts, scenario cards, link grid, references ===== */
@media(min-width:1200px){.ia-grid--five{grid-template-columns:repeat(6,minmax(0,1fr))}.ia-grid--five>*{grid-column:span 2}.ia-grid--five>:nth-child(4){grid-column:2 / span 2}.ia-grid--five>:nth-child(5){grid-column:4 / span 2}}
html body .ia-takenote:not(#_){max-width:900px;margin:28px auto 0;padding:16px 22px;border-left:4px solid #ff0000;border-radius:14px;background:rgba(255,255,255,.1);color:#fff;font-size:16px;line-height:1.6;text-align:left}
.ia-article--wide{max-width:980px;margin:0 auto}
.ia-intro{margin:0 0 34px}
.ia-intro p{font-size:18px}
html body .ia-article h3:not(#_){margin:26px 0 10px;font-size:clamp(19px,2vw,23px);line-height:1.3;letter-spacing:0}
.ia-block>h3:first-of-type{margin-top:20px}
.ia-toc{max-height:calc(100vh - 150px);overflow:auto}
html body .ia-article p.ia-eg:not(#_){margin:22px 0 8px;color:#ff0000;font-size:18px;font-weight:700}
html body .ia-article p.ia-relsvc:not(#_){padding:12px 18px;border-radius:14px;background:rgba(255,0,0,.06);font-size:16px}
html body .ia-article p.ia-formula:not(#_){margin:20px 0;padding:16px 20px;border-left:4px solid #ff0000;border-radius:14px;background:#fff1f1;font-size:17px;line-height:1.6}
.ia-article a{color:#ff0000;text-underline-offset:3px}
.ia-article a.global-cta{color:var(--gc-text);text-decoration:none}
.ia-cta-row{margin:6px 0 4px}
html body .ia-article p.ia-cta-row:not(#_){margin:6px 0 4px}

/* numbered lists: red number badges; the counter can start above 1 (continues across the question groups) */
.ia-ol{counter-reset:ia-n var(--ia-s,0);display:flex;flex-direction:column;gap:10px;margin:0 0 8px;padding:0;list-style:none}
.ia-ol>li{position:relative;counter-increment:ia-n;padding-left:42px;font-size:17px;line-height:1.6}
.ia-ol>li::before{content:counter(ia-n);position:absolute;left:0;top:1px;display:flex;align-items:center;justify-content:center;width:28px;height:28px;border-radius:50%;background:#ff0000;color:#fff;font-size:14px;font-weight:800}

/* tables */
.ia-table-wrap{margin:22px 0 26px;overflow-x:auto;border-radius:18px;background:#fff;box-shadow:0 12px 26px rgba(0,0,0,.14);-webkit-overflow-scrolling:touch}
.ia-table-wrap:focus-visible{outline:3px solid #ff0000;outline-offset:2px}
.ia-table{width:100%;min-width:620px;border-collapse:collapse;font-size:15.5px;line-height:1.5;color:#470000}
.ia-table th,.ia-table td{padding:12px 16px;border-bottom:1px solid #f1d2d2;vertical-align:top;text-align:left}
.ia-table thead th{background:#470000;color:#fff;font-size:14px;font-weight:700;letter-spacing:.02em}
.ia-table tbody th{min-width:150px;font-weight:800;color:#470000}
.ia-table tbody tr:nth-child(even){background:#fff6f6}
.ia-table tbody tr:last-child th,.ia-table tbody tr:last-child td{border-bottom:0}
.ia-table .ia-r{text-align:right;font-variant-numeric:tabular-nums}
.ia-table .ia-c{text-align:center}

/* scenario cards */
.ia-scn{margin:22px 0;padding:22px 24px 12px;border-bottom:4px solid #ff0000;border-radius:24px;background:#fff;box-shadow:0 12px 26px rgba(0,0,0,.14)}
html body .ia-article .ia-scn h3:not(#_){margin:0 0 12px;color:#ff0000}
html body .ia-article .ia-scn p:not(#_){font-size:16.5px}

/* related-services link grid */
.ia-linkgrid{display:grid;grid-template-columns:minmax(0,1fr);gap:12px;margin:18px 0 8px;padding:0;list-style:none}
@media(min-width:640px){.ia-linkgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}
.ia-linkgrid li a{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:15px 20px;border-bottom:3px solid #ff0000;border-radius:16px;background:#fff;box-shadow:0 8px 18px rgba(0,0,0,.12);color:#470000;font-weight:700;text-decoration:none;transition:transform .2s ease,color .2s ease}
.ia-linkgrid li a::after{content:"\2192";flex:0 0 auto;color:#ff0000;font-size:18px}
.ia-linkgrid li a:hover,.ia-linkgrid li a:focus-visible{color:#ff0000;transform:translateY(-2px)}

/* references */
.ia-reflist{display:flex;flex-direction:column;gap:12px;margin:14px 0 0;padding:0;list-style:none;counter-reset:ia-r}
.ia-reflist li{position:relative;counter-increment:ia-r;display:flex;flex-direction:column;gap:2px;padding-left:44px}
.ia-reflist li::before{content:counter(ia-r);position:absolute;left:0;top:0;display:flex;align-items:center;justify-content:center;width:30px;height:30px;border-radius:50%;background:#470000;color:#fff;font-size:14px;font-weight:800}
.ia-reflist a{font-weight:700;font-size:17px}
.ia-reflist span{overflow-wrap:anywhere;color:#7a4a4a;font-size:14px}
@media(prefers-reduced-motion:reduce){.ia-linkgrid li a{transition:none}.ia-linkgrid li a:hover{transform:none}}

/* spacing after lists; the contents list scrolls inside a height that leaves room for the help card below it */
html body .ia-article :is(.ia-list,.ia-ol)+p:not(#_){margin-top:20px}
.ia-toc{max-height:calc(100vh - 420px);min-height:240px}

/* article 2 additions: subtitle under the title, 4+3 takeaways, icon-only takeaway cards, callout class shared with formulas */
html body .ia-hero h2.ia-sub:not(#_):not(#_){margin:0 0 16px;max-width:900px;color:#470000;font-size:clamp(18px,2vw,22px);font-weight:700;line-height:1.35}
@media(min-width:1200px){.ia-grid--seven{grid-template-columns:repeat(12,minmax(0,1fr))}.ia-grid--seven>*{grid-column:span 3}.ia-grid--seven>:nth-child(n+5){grid-column:span 4}}
html body .ia-card p.ia-plain:not(#_){font-size:16.5px;line-height:1.55;font-weight:600}
html body .ia-article .ia-scn .ia-table-wrap{box-shadow:none;border:1px solid #f1d2d2;margin:14px 0}
@media(min-width:1200px){.ia-grid--ten{grid-template-columns:repeat(12,minmax(0,1fr))}.ia-grid--ten>*{grid-column:span 3}.ia-grid--ten>:nth-child(9){grid-column:4 / span 3}.ia-grid--ten>:nth-child(10){grid-column:7 / span 3}}@media(min-width:768px) and (max-width:1199px){.ia-grid--ten{grid-template-columns:repeat(2,minmax(0,1fr))}}
html body .ia-article code:not(#_){padding:1px 7px;border-radius:6px;background:#f6e3e3;color:#6b0000;font:600 .92em/1.4 Consolas,Menlo,monospace;word-break:break-word}
html body .ia-article h4:not(#_){margin:24px 0 8px;padding-left:12px;border-left:4px solid #ff0000;font-size:clamp(16px,1.6vw,18px);line-height:1.35;letter-spacing:0;color:#ff0000}