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#001f3f12;border-radius:2px;padding:1.9rem;transition:border-color .3s,box-shadow .3s;box-shadow:0 2px 12px #001f3f08}.sv-stat-card:hover{border-color:#d4af3742;box-shadow:0 8px 24px #001f3f0f}@media (max-width:768px){.sv-stat-grid{gap:.75rem}.sv-stat-card{padding:1.5rem 1.25rem}}.sv-section-rule{align-items:center;gap:1rem;margin:3rem 0;display:flex}.sv-section-rule:before,.sv-section-rule:after{content:"";background:#d8d5cf;flex:1;height:1px}.sv-section-rule span{letter-spacing:.2em;text-transform:uppercase;color:#5a62726b;white-space:nowrap;font-size:.6rem;font-weight:700}.sv-outlook-panel{background:#faf9f6;border:1px solid #001f3f14;border-radius:2px;grid-template-columns:3fr 2fr;align-items:center;gap:4rem;margin-top:1.5rem;padding:3.5rem;display:grid;box-shadow:0 2px 24px #001f3f0a}@media (max-width:768px){.sv-outlook-panel{grid-template-columns:1fr;gap:2rem;padding:2rem}}.sv-outlook-stats{border-left:1px solid #001f3f1a;grid-template-columns:1fr 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(max-width:768px){.sv-steps{grid-template-columns:1fr}}.sv-steps-line{pointer-events:none;background:#001f3f0f;height:1px;position:absolute;top:3rem;left:8%;right:8%}@media (max-width:768px){.sv-steps-line{display:none}}.sv-how-fee{background:#001f3f;border-radius:2px;grid-template-columns:1fr 1fr;gap:2rem;margin-top:4rem;padding:2.5rem;display:grid}@media (max-width:768px){.sv-how-fee{grid-template-columns:1fr;gap:1.5rem}}.sv-how-fee-cap{color:#ffffff80;border-top:1px solid #ffffff0f;grid-column:span 2;margin-top:1.5rem;padding-top:1.5rem;font-size:.8rem;font-style:italic;line-height:1.65}@media (max-width:768px){.sv-how-fee-cap{grid-column:span 1}}.sv-cases-grid{grid-template-columns:repeat(3,1fr);gap:1.7rem;display:grid}@media (max-width:900px){.sv-cases-grid{grid-template-columns:1fr}}.sv-risks-grid{grid-template-columns:repeat(3,1fr);gap:2.5rem 3.5rem;display:grid}@media (max-width:900px){.sv-risks-grid{grid-template-columns:1fr 1fr;gap:2rem}}@media (max-width:480px){.sv-risks-grid{grid-template-columns:1fr}}.sv-img-break{width:100%;height:50vh;position:relative;overflow:hidden}.sv-img-break img{object-fit:cover;object-position:center 55%;width:100%;height:100%}@media (max-width:768px){.sv-img-break{height:40vw;min-height:180px}}.sv-panorama{width:100%;height:52vh;margin-top:5rem;position:relative;overflow:hidden}.sv-panorama img{object-fit:cover;object-position:center 65%;width:100%;height:100%}@media (max-width:768px){.sv-panorama{height:38vw;min-height:200px;margin-top:3rem}}.sv-footer-top{border-bottom:1px solid #ffffff14;justify-content:space-between;align-items:flex-start;margin-bottom:1.75rem;padding-bottom:2.75rem;display:flex}@media (max-width:600px){.sv-footer-top{flex-direction:column;gap:1.75rem}}.sv-footer-links{flex-wrap:wrap;gap:1.35rem;display:flex}.sv-footer-links a{color:#ffffff61;text-decoration:none;transition:color .2s}.sv-footer-links a:hover{color:#d4af37}.sv-footer-bottom{color:#ffffff52;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:.9rem;font-size:.7rem;display:flex}@media (max-width:600px){.sv-footer-bottom{flex-direction:column;align-items:flex-start}}.sv-nav.sv-scrolled.sv-retainer-top{box-shadow:none}@media (max-width:768px){.sv-section{padding:3.5rem 0}}@media (max-width:480px){.sv-section{padding:2.5rem 0}}@media (max-width:600px){.sov-form-row{grid-template-columns:1fr!important}}input[type=range]::-webkit-slider-thumb{appearance:none;cursor:pointer;background:#d4af37;border-radius:50%;width:1.2rem;height:1.2rem;box-shadow:0 2px 10px #d4af3780}input[type=range]::-moz-range-thumb{cursor:pointer;background:#d4af37;border:none;border-radius:50%;width:1.2rem;height:1.2rem}@media (max-width:640px){.sv-calc-beyond-grid,.sv-calc-presets-grid{grid-template-columns:1fr!important}.sv-calc-net-grid{grid-template-columns:1fr!important;gap:1.25rem!important;padding:1.5rem 1.25rem!important}.sv-calc-net-grid>div:nth-of-type(2),.sv-calc-net-grid>div:nth-of-type(3){text-align:center!important;align-items:center!important}.sv-calc-net-grid>div:nth-of-type(3)>div:first-child{white-space:nowrap!important;font-size:2.2rem!important}}[data-consent=given] #sv-cookie-banner{display:none!important}.sv-cookie-desc-short{display:none}@media (max-width:640px){.sv-cookie-desc-full{display:none}.sv-cookie-desc-short{display:inline}#sv-cookie-banner{max-height:120px;gap:.6rem!important;padding:.75rem 1rem!important;bottom:.75rem!important}#sv-cookie-banner .sv-cookie-desc{font-size:.72rem!important;line-height:1.45!important}#sv-cookie-banner button{padding:.4rem .75rem!important;font-size:.68rem!important}}#sv-cookie-banner{gap:1rem;padding:1.25rem 1.5rem}#sv-cookie-banner .sv-cookie-desc{font-size:.8rem;line-height:1.65}
.sv-insights-page{background:#f7f6f2;min-height:100vh;padding:5.5rem 1.25rem 4.5rem}.sv-insights-wrap{max-width:820px;margin:0 auto}.sv-insights-header{text-align:center;margin-bottom:3rem}.sv-insights-eyebrow{font-family:var(--font-inter,Inter), sans-serif;letter-spacing:.22em;text-transform:uppercase;color:#b8952a;margin:0 0 .75rem;font-size:.72rem;font-weight:700}.sv-insights-title{font-family:var(--font-playfair,"Playfair Display"), Georgia, serif;color:#001f3f;letter-spacing:-.02em;margin:0 0 .9rem;font-size:clamp(2rem,4.5vw,2.75rem);font-weight:600;line-height:1.1}.sv-insights-intro{font-family:var(--font-inter,Inter), sans-serif;color:#6b7280;max-width:42rem;margin:0 auto;font-size:1.05rem;font-weight:300;line-height:1.55}.sv-insights-rule{background:#d4af37;border:none;width:3rem;height:2px;margin:1.4rem auto 0}.sv-insights-list{gap:1.5rem;margin:0;padding:0;list-style:none;display:grid}.sv-insights-item{background:#fdfcfa;border:1px solid #001f3f0f;border-radius:4px;transition:border-color .2s,transform .2s,box-shadow .2s;overflow:hidden}.sv-insights-item:hover{border-color:#d4af3759;transform:translateY(-1px);box-shadow:0 4px 20px #001f3f0d}.sv-insights-link{color:inherit;grid-template-columns:220px 1fr;align-items:center;gap:1.5rem;padding:1.25rem;text-decoration:none;display:grid}.sv-insights-thumb{aspect-ratio:16/9;background:#001f3f0d;border-radius:2px;overflow:hidden}.sv-insights-thumb img{object-fit:cover;width:100%;height:100%;display:block}.sv-insights-body{min-width:0}.sv-insights-meta{font-family:var(--font-inter,Inter), sans-serif;letter-spacing:.14em;text-transform:uppercase;color:#6b7280;align-items:center;gap:.55rem;margin:0 0 .55rem;font-size:.72rem;font-weight:700;display:flex}.sv-insights-edition{color:#b8952a}.sv-insights-sep{color:#001f3f59}.sv-insights-headline{font-family:var(--font-playfair,"Playfair Display"), Georgia, serif;color:#001f3f;letter-spacing:-.01em;margin:0 0 .6rem;font-size:1.35rem;font-weight:600;line-height:1.2}.sv-insights-link:hover .sv-insights-headline{color:#b8952a}.sv-insights-summary{font-family:var(--font-inter,Inter), sans-serif;color:#374151;margin:0;font-size:.92rem;font-weight:300;line-height:1.6}@media (max-width:640px){.sv-insights-page{padding:2.75rem 1rem 3rem}.sv-insights-list{gap:1.1rem}.sv-insights-link{grid-template-columns:1fr;gap:1rem;padding:1rem}.sv-insights-thumb{aspect-ratio:16/9;width:100%}.sv-insights-headline{font-size:1.15rem}.sv-insights-summary{font-size:.88rem}}.sv-home-see-all{text-align:center;margin:2.5rem 0 0}.sv-home-see-all a{font-family:var(--font-inter,Inter), sans-serif;letter-spacing:.16em;text-transform:uppercase;color:#001f3f;background:#fdfcfa;border:1.5px solid #d4af37;border-radius:2px;align-items:center;gap:.55rem;padding:.85rem 1.5rem;font-size:.78rem;font-weight:700;text-decoration:none;transition:background .18s,color .18s;display:inline-flex}.sv-home-see-all a:hover{color:#fdfcfa;background:#001f3f}.sv-home-see-all a .sv-arrow{letter-spacing:0;font-family:system-ui,sans-serif;font-weight:400}.sv-nav-links{align-items:center;gap:1.5rem;margin-right:.75rem;display:flex}.sv-nav-link{font-family:var(--font-inter,Inter), sans-serif;letter-spacing:.16em;text-transform:uppercase;color:#001f3f;border-bottom:1.5px solid #0000;padding:.35rem 0;font-size:.74rem;font-weight:700;text-decoration:none;transition:border-color .18s,color .18s}.sv-nav-link:hover{color:#b8952a;border-bottom-color:#d4af37}@media (max-width:640px){.sv-nav-links{gap:.9rem;margin-right:.35rem}.sv-nav-link{letter-spacing:.12em;font-size:.68rem}}.sv-article-prose p.sv-scorecard-privacy-note{color:#6b7280;letter-spacing:.01em;margin:.5rem 0 1.5rem;font-size:.8rem;font-style:italic;line-height:1.55}.sv-insights-thumb--empty{background:linear-gradient(135deg,#f7f6f2 0%,#ece9df 100%);border:1px dashed #001f3f1f;justify-content:center;align-items:center;display:flex}.sv-insights-thumb-placeholder{font-family:var(--font-playfair,"Playfair Display"), Georgia, serif;color:#d4af3759;letter-spacing:-.02em;font-size:2rem;font-weight:600}