:root{--navy:#102a42;--deep:#0b2238;--cyan:#28abe3;--teal:#5c9593;--gold:#b68a37;--ink:#13273b;--text:#64748b;--soft:#f2f8fb;--line:#dce8ee;--white:#fff;--shadow:0 18px 50px rgba(16,42,66,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body.pb2b-insights-theme{margin:0;font-family:Inter,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65}body.menu-open{overflow:hidden}a{color:inherit;text-decoration:none}img{max-width:100%;height:auto;display:block}button,input,textarea,select{font:inherit}.screen-reader-text,.pb2b-skip{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.pb2b-skip:focus{position:fixed!important;left:1rem;top:1rem;width:auto;height:auto;clip:auto;background:#fff;padding:.75rem 1rem;z-index:9999}.pb2b-container{width:min(1180px,calc(100% - 40px));margin:auto}.eyebrow{display:inline-block;color:#078bc5;font-size:.76rem;font-weight:800;letter-spacing:.13em;text-transform:uppercase}.eyebrow-light{color:#73d5fb}.button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 24px;border-radius:999px;background:var(--cyan);color:#fff;font-weight:700;border:2px solid var(--cyan);transition:.2s}.button:hover,.button:focus{background:#078bc5;border-color:#078bc5;transform:translateY(-1px)}.button-secondary{background:#fff;color:var(--navy);border-color:var(--line)}.button-secondary:hover{background:var(--navy);border-color:var(--navy);color:#fff}.button-light{background:#fff;color:var(--navy);border-color:#fff}.pb2b-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}.pb2b-center{text-align:center;margin-top:38px}
.pb2b-header{position:relative;z-index:1000;background:#fff;border-bottom:1px solid var(--line)}.pb2b-header-inner{max-width:1320px;margin:auto;min-height:94px;padding:0 14px;display:flex;align-items:center;gap:25px}.pb2b-brand{flex:0 0 300px}.pb2b-brand img{width:300px;max-height:74px;object-fit:contain;object-position:left center}.pb2b-nav{margin-left:auto}.pb2b-nav>ul{display:flex;align-items:center;gap:28px;list-style:none;padding:0;margin:0}.pb2b-nav>ul>li{position:relative}.pb2b-nav a,.pb2b-nav button{border:0;background:none;padding:30px 0;color:var(--ink);font-weight:700;font-size:.91rem;white-space:nowrap;cursor:pointer}.pb2b-nav button span{font-size:.85em;margin-left:3px}.pb2b-nav a:hover,.pb2b-nav button:hover,.pb2b-nav .current{color:#078bc5}.submenu{position:absolute;top:calc(100% - 12px);left:-18px;width:300px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);list-style:none;padding:10px;margin:0;opacity:0;visibility:hidden;transform:translateY(8px);transition:.2s}.submenu li a{display:block;padding:11px 13px!important;font-size:.86rem!important;border-radius:8px;white-space:normal!important}.submenu li a:hover{background:var(--soft)}.has-submenu:hover>.submenu,.has-submenu:focus-within>.submenu,.has-submenu.submenu-open>.submenu{opacity:1;visibility:visible;transform:none}.pb2b-header-cta{flex:0 0 auto;display:inline-flex;min-height:49px;align-items:center;padding:0 23px;border:2px solid var(--cyan);border-radius:999px;color:var(--navy);font-weight:700;font-size:.91rem}.pb2b-header-cta:hover{background:var(--cyan);color:#fff}.pb2b-menu-toggle{display:none;border:0;background:none;width:44px;height:44px;padding:10px}.pb2b-menu-toggle span:not(.screen-reader-text){display:block;height:2px;background:var(--navy);margin:5px}
.pb2b-hero{background:linear-gradient(135deg,#f5fbfe 0%,#eef7fb 70%,#e8f4f8 100%);padding:95px 0}.pb2b-hero-grid{display:grid;grid-template-columns:minmax(0,1.8fr) minmax(300px,.8fr);gap:70px;align-items:center}.pb2b-hero h1{font-size:clamp(3rem,5.8vw,5.3rem);line-height:.99;letter-spacing:-.055em;margin:22px 0 24px;font-weight:500}.pb2b-hero p{font-size:1.18rem;color:var(--text);max-width:760px}.pb2b-topic-panel{background:linear-gradient(145deg,#102a42,#153b5b);color:#fff;padding:38px;border-radius:24px;box-shadow:var(--shadow)}.pb2b-topic-panel ul{list-style:none;padding:18px 0 0;margin:0}.pb2b-topic-panel li{padding:17px 0 17px 30px;border-bottom:1px solid rgba(255,255,255,.13);position:relative;font-weight:600}.pb2b-topic-panel li:before{content:'●';position:absolute;left:0;color:#75d4f4}.pb2b-section{padding:85px 0}.pb2b-section-soft{background:var(--soft)}.pb2b-section-label{color:#078bc5;font-size:.8rem;font-weight:800;letter-spacing:.12em;margin-bottom:25px}.pb2b-section-heading{max-width:750px;text-align:center;margin:0 auto 45px}.pb2b-section-heading h2{font-size:clamp(2rem,4vw,3.25rem);line-height:1.08;letter-spacing:-.04em;margin:15px 0}.pb2b-featured{display:grid;grid-template-columns:1.05fr 1fr;gap:55px;align-items:center}.pb2b-featured-image{border-radius:18px;overflow:hidden;background:#eef4f6;min-height:390px}.pb2b-featured-image img{width:100%;height:390px;object-fit:cover}.pb2b-featured h2{font-size:clamp(2.1rem,3.5vw,3.4rem);line-height:1.08;margin:18px 0}.pb2b-featured p{color:var(--text);font-size:1.05rem}.pb2b-pill{display:inline-flex;padding:6px 12px;border-radius:999px;background:#e9f7fc;color:#078bc5;font-size:.72rem;font-weight:800}.pb2b-meta{display:flex;gap:18px;flex-wrap:wrap;color:#7a8998;font-size:.82rem;margin:12px 0}.pb2b-text-link{display:inline-flex;align-items:center;gap:8px;color:#078bc5;font-weight:800;margin-top:auto}.pb2b-post-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px}.pb2b-post-card{background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden;display:flex;flex-direction:column;min-height:100%;box-shadow:0 8px 24px rgba(16,42,66,.04);transition:.2s}.pb2b-post-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.pb2b-card-image{height:220px;background:linear-gradient(135deg,#eaf6fb,#dcecf3);overflow:hidden}.pb2b-card-image img{width:100%;height:100%;object-fit:cover}.pb2b-image-placeholder{height:100%;display:flex;align-items:center;justify-content:center;color:var(--navy);font-weight:700}.pb2b-card-body{padding:25px;display:flex;flex-direction:column;flex:1}.pb2b-card-body h2{font-size:1.3rem;line-height:1.3;margin:15px 0 5px}.pb2b-card-body p{color:var(--text);font-size:.94rem}.pb2b-cta-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}.pb2b-cta-card,.pb2b-newsletter{padding:42px;border-radius:22px}.pb2b-cta-card{background:linear-gradient(135deg,#f5fbfd,#eaf5f8);border:1px solid var(--line)}.pb2b-newsletter{background:linear-gradient(145deg,#102a42,#173e5f);color:#fff}.pb2b-cta-card h2,.pb2b-newsletter h2{font-size:2rem;margin:13px 0}.pb2b-newsletter .wpcf7-form-control-wrap{display:block}.pb2b-newsletter input[type=email],.pb2b-newsletter input[type=text],.pb2b-newsletter input[type=tel]{width:100%;border:0;border-radius:10px;padding:14px;margin:6px 0}.pb2b-newsletter input[type=submit]{width:100%;border:0;border-radius:999px;padding:14px;background:var(--cyan);color:#fff;font-weight:700;cursor:pointer;margin-top:8px}.pb2b-newsletter .wpcf7-spinner{display:none}
.pb2b-page-hero{padding:75px 0;background:linear-gradient(135deg,#f5fbfe,#eaf5f9)}.pb2b-page-hero h1{font-size:clamp(2.6rem,5vw,4.5rem);letter-spacing:-.05em;line-height:1.05;margin:15px 0}.pb2b-page-hero p{color:var(--text);font-size:1.1rem}.pb2b-search{display:flex;max-width:620px;margin-top:25px}.pb2b-search label{flex:1}.pb2b-search input{width:100%;height:50px;border:1px solid var(--line);border-radius:999px 0 0 999px;padding:0 20px}.pb2b-search button{height:50px;border:0;border-radius:0 999px 999px 0;background:var(--navy);color:#fff;padding:0 22px;font-weight:700}.nav-links{display:flex;justify-content:center;gap:8px;margin-top:45px}.page-numbers{display:inline-flex;min-width:42px;height:42px;align-items:center;justify-content:center;border:1px solid var(--line);border-radius:9px;padding:0 10px}.page-numbers.current,.page-numbers:hover{background:var(--cyan);border-color:var(--cyan);color:#fff}
.pb2b-article-header{padding:75px 0;background:linear-gradient(135deg,#f5fbfe,#eaf5f9)}.pb2b-article-header-inner{max-width:900px;text-align:center}.pb2b-article-header h1{font-size:clamp(2.6rem,5vw,4.5rem);line-height:1.08;letter-spacing:-.045em;margin:20px 0}.pb2b-article-header .pb2b-meta{justify-content:center}.pb2b-article-layout{display:grid;grid-template-columns:minmax(0,780px) 330px;gap:55px;padding-top:70px;padding-bottom:80px}.pb2b-article-image{border-radius:18px;overflow:hidden;margin-bottom:35px}.pb2b-article-content{font-size:1.04rem;color:#33485c}.pb2b-article-content h2{font-size:2rem;line-height:1.25;margin:2.2em 0 .65em}.pb2b-article-content h3{font-size:1.45rem;margin:1.8em 0 .6em}.pb2b-article-content p,.pb2b-article-content ul,.pb2b-article-content ol{margin:0 0 1.3em}.pb2b-article-content a{color:#078bc5;text-decoration:underline}.pb2b-article-content blockquote{border-left:4px solid var(--cyan);margin:2em 0;padding:10px 25px;background:var(--soft)}.pb2b-article-content table{width:100%;border-collapse:collapse;margin:25px 0}.pb2b-article-content th,.pb2b-article-content td{border:1px solid var(--line);padding:12px}.pb2b-sidebar{display:flex;flex-direction:column;gap:25px}.pb2b-sidebar-card{border:1px solid var(--line);border-radius:18px;padding:28px;background:#fff}.pb2b-sidebar-card:first-child{background:linear-gradient(145deg,#102a42,#173e5f);color:#fff}.pb2b-sidebar-card h2{font-size:1.6rem;line-height:1.2}.pb2b-sidebar-card .button{width:100%;margin-top:10px}.pb2b-category-list{list-style:none;padding:0;margin:0}.pb2b-category-list li{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid var(--line)}.pb2b-comments{margin-top:45px;border-top:1px solid var(--line);padding-top:35px}.pb2b-comments ol{padding-left:20px}.pb2b-prose{max-width:850px}.pb2b-empty{text-align:center;padding:80px 0}.pb2b-empty h1{font-size:3rem}
.pb2b-footer-cta{background:var(--cyan);color:#fff;padding:50px 0}.pb2b-footer-cta-inner{display:flex;align-items:center;justify-content:space-between;gap:30px}.pb2b-footer-cta h2{font-size:clamp(2rem,3vw,3rem);margin:10px 0 0;max-width:750px}.pb2b-footer{background:#0d2135;color:#dfe8ee}.pb2b-footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:45px;padding:65px 0}.pb2b-footer h3{color:#fff;font-size:1rem}.pb2b-footer a{display:block;color:#c8d6df;margin:9px 0}.pb2b-footer a:hover{color:#65cef4}.pb2b-footer p{color:#aebfca}.pb2b-footer-brand img{width:260px;background:#fff;padding:9px;border-radius:8px;margin-bottom:18px}.pb2b-footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:18px 0}.pb2b-footer-bottom .pb2b-container{display:flex;justify-content:space-between;gap:20px;font-size:.84rem}.pb2b-footer-bottom a{display:inline;margin-left:18px}
@media(max-width:1200px){.pb2b-header-inner{gap:14px}.pb2b-brand{flex-basis:245px}.pb2b-brand img{width:245px}.pb2b-nav>ul{gap:18px}.pb2b-nav a,.pb2b-nav button{font-size:.82rem}.pb2b-header-cta{padding:0 16px;font-size:.82rem}}
@media(max-width:1080px){.pb2b-header-inner{min-height:84px}.pb2b-menu-toggle{display:block;margin-left:auto}.pb2b-header-cta{display:none}.pb2b-nav{position:fixed;top:84px;left:0;right:0;bottom:0;background:#fff;padding:20px;overflow:auto;display:none}.pb2b-nav.is-open{display:block}.pb2b-nav>ul{display:block}.pb2b-nav>ul>li{border-bottom:1px solid var(--line)}.pb2b-nav a,.pb2b-nav button{display:flex;width:100%;justify-content:space-between;padding:16px 4px;font-size:1rem}.submenu{position:static;width:100%;box-shadow:none;border:0;padding:0 0 10px 15px;display:none;opacity:1;visibility:visible;transform:none}.has-submenu.submenu-open>.submenu{display:block}.has-submenu:hover>.submenu{display:none}.has-submenu.submenu-open:hover>.submenu{display:block}.pb2b-hero-grid,.pb2b-featured,.pb2b-article-layout{grid-template-columns:1fr}.pb2b-topic-panel{max-width:none}.pb2b-post-grid{grid-template-columns:repeat(2,1fr)}.pb2b-sidebar{display:grid;grid-template-columns:1fr 1fr}.pb2b-footer-grid{grid-template-columns:1.5fr 1fr 1fr}.pb2b-footer-grid>div:last-child{grid-column:2/4}}
@media(max-width:700px){.pb2b-container{width:min(100% - 28px,1180px)}.pb2b-brand{flex-basis:220px}.pb2b-brand img{width:220px}.pb2b-hero{padding:65px 0}.pb2b-hero h1{font-size:3rem}.pb2b-hero-grid{gap:35px}.pb2b-section{padding:62px 0}.pb2b-featured-image,.pb2b-featured-image img{min-height:250px;height:250px}.pb2b-post-grid,.pb2b-cta-grid,.pb2b-sidebar,.pb2b-footer-grid{grid-template-columns:1fr}.pb2b-footer-grid>div:last-child{grid-column:auto}.pb2b-footer-cta-inner,.pb2b-footer-bottom .pb2b-container{display:block}.pb2b-footer-cta .button{margin-top:22px}.pb2b-footer-bottom span{display:block;margin:8px 0}.pb2b-footer-bottom a{margin:0 16px 0 0}.pb2b-article-layout{padding-top:45px}.pb2b-card-image{height:205px}}