@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@400;500;600;700;800&display=swap');

:root{--black:#090909;--charcoal:#171717;--red:#d71920;--white:#fff;--line:#d9d9d9;--muted:#5b5b5b}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--white);color:var(--black);font:16px/1.6 'DM Sans',Arial,sans-serif}a{color:inherit;text-decoration:none}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-family:Manrope,Arial,sans-serif;line-height:1.14;letter-spacing:-.045em}img{max-width:100%}.insights-shell{width:min(1180px,calc(100% - 64px));margin:auto}.insights-nav{background:#090909;color:#fff;position:relative;z-index:5}.insights-nav-row{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:32px}.insights-brand{display:inline-flex;align-items:center;gap:11px;font:800 12px/1.1 Manrope,Arial,sans-serif;letter-spacing:.09em}.insights-brand img{width:42px;height:42px;object-fit:contain}.insights-nav nav{display:flex;align-items:center;gap:31px;font-size:13px;font-weight:700;letter-spacing:.02em}.insights-nav nav a{padding:9px 0;border-bottom:2px solid transparent}.insights-nav nav a:hover,.insights-nav nav a[aria-current]{border-color:var(--red)}.insights-hero{background:#111;color:#fff;padding:91px 0 105px;position:relative;overflow:hidden}.insights-hero:after{content:'SPM';position:absolute;right:-35px;bottom:-125px;font:800 clamp(220px,30vw,450px)/1 Manrope,Arial,sans-serif;letter-spacing:-.1em;color:#ffffff08;pointer-events:none}.insights-eyebrow,.insights-index-count,.insights-card-series,.insights-example span,.insights-next>span,.insights-side-box>strong,.insights-side-note>span,.insights-related-heading>span{font:800 11px/1.4 Manrope,Arial,sans-serif;letter-spacing:.17em;text-transform:uppercase}.insights-eyebrow{color:#ff5b5f;margin-bottom:24px}.insights-hero h1{max-width:920px;font-size:clamp(42px,6.6vw,87px);margin-bottom:22px}.insights-hero h1 em{font-style:normal;color:#f1373e}.insights-hero p:not(.insights-eyebrow){max-width:650px;color:#ddd;font-size:18px}.insights-hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:32px}.insights-hero-actions a,.insights-next a{min-height:48px;display:inline-flex;align-items:center;justify-content:space-between;gap:25px;padding:12px 18px;background:var(--red);color:#fff;font-weight:800;font-size:13px}.insights-hero-actions a+ a{background:#fff;color:#111}.insights-hero-actions a:hover,.insights-next a:hover{filter:brightness(.9)}.insights-intro{display:grid;grid-template-columns:180px 1fr;gap:25px;padding-top:80px;padding-bottom:47px;border-bottom:1px solid var(--line)}.insights-index-count{color:var(--red);padding-top:11px}.insights-intro h2{font-size:clamp(27px,3.4vw,46px);max-width:660px;margin-bottom:10px}.insights-intro p{color:var(--muted);max-width:670px;margin-bottom:0}.insights-group{padding:46px 0 35px;border-bottom:1px solid var(--line)}.insights-group-heading{display:flex;align-items:baseline;gap:32px;margin-bottom:22px}.insights-group-heading>span{font:800 12px Manrope,Arial,sans-serif;color:var(--red)}.insights-group-heading h2{font-size:clamp(24px,3vw,38px);margin:0}.insights-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.insights-card{border:1px solid #d8d8d8;min-height:270px;background:#fff;transition:transform .2s,border-color .2s}.insights-card:hover{transform:translateY(-3px);border-color:var(--red)}.insights-card>a{height:100%;min-height:270px;display:flex;flex-direction:column;padding:25px}.insights-card-series{color:var(--red);margin-bottom:29px}.insights-card h3{font-size:22px;margin-bottom:12px}.insights-card p{color:#555;font-size:14px;line-height:1.55;margin-bottom:15px}.insights-card-arrow{font-size:25px;margin-top:auto;line-height:1;align-self:flex-end}.insights-card.theme-ink{background:#151515;color:#fff;border-color:#151515}.insights-card.theme-ink p{color:#bbb}.insights-card.theme-red{background:#b9161d;color:#fff;border-color:#b9161d}.insights-card.theme-red .insights-card-series,.insights-card.theme-red p{color:#fff}.insights-card.theme-line{background:repeating-linear-gradient(135deg,#fff,#fff 23px,#f4f4f4 24px);border-top:5px solid var(--red)}.insights-footer{margin-top:80px;background:#0b0b0b;color:#fff;padding:55px 0 70px}.insights-footer-grid{display:grid;grid-template-columns:2fr 1fr 1.5fr;gap:45px}.insights-footer strong{font:800 46px Manrope,Arial,sans-serif;letter-spacing:-.08em}.insights-footer strong span{color:var(--red)}.insights-footer p{max-width:270px;color:#aaa}.insights-footer-grid>div:not(:first-child){display:flex;flex-direction:column;align-items:flex-start;gap:10px;font-size:14px}.insights-footer-grid>div:last-child{overflow-wrap:anywhere}.insights-footer a:hover{color:#ff585d}.insights-footer span{color:#aaa}.insights-article-hero{background:#f4f4f4;border-bottom:1px solid #ddd;padding:30px 0 75px}.theme-ink .insights-article-hero{background:#181818;color:#fff;border-color:#333}.theme-red .insights-article-hero{background:#ba161d;color:#fff;border-color:#ba161d}.theme-line .insights-article-hero{background:linear-gradient(115deg,#fff 76%,#f2f2f2 76%);border-top:9px solid var(--red)}.insights-breadcrumb{font-size:12px;font-weight:700;margin-bottom:66px;color:inherit;opacity:.75}.insights-breadcrumb span{margin:0 11px}.insights-breadcrumb a{text-decoration:underline;text-underline-offset:4px}.insights-article-hero .insights-eyebrow{margin-bottom:16px;color:var(--red)}.theme-ink .insights-article-hero .insights-eyebrow,.theme-red .insights-article-hero .insights-eyebrow{color:#ff777b}.insights-article-hero h1{max-width:930px;font-size:clamp(38px,6vw,74px);margin-bottom:23px}.insights-deck{font-size:clamp(18px,2vw,22px);line-height:1.55;max-width:780px;opacity:.86;margin-bottom:30px}.insights-byline{display:flex;gap:23px;flex-wrap:wrap;font-size:12px;font-weight:800;letter-spacing:.03em}.insights-article-layout{display:grid;grid-template-columns:minmax(0,1fr) 270px;gap:80px;padding-top:72px}.insights-article-body{min-width:0}.insights-opening{font-size:20px;line-height:1.65;font-weight:500;max-width:730px;margin-bottom:51px}.insights-article-section{border-top:1px solid var(--line);padding:29px 0 37px;display:grid;grid-template-columns:48px minmax(0,1fr);gap:13px;scroll-margin-top:22px}.insights-section-number{font:800 12px Manrope,Arial,sans-serif;color:var(--red);padding-top:9px}.insights-article-section h2{font-size:clamp(24px,2.5vw,34px);margin-bottom:17px}.insights-article-section p{font-size:17px;line-height:1.8;color:#303030;max-width:720px}.insights-article-section ul{margin:18px 0 0;padding-left:20px;color:#303030;line-height:1.8}.insights-article-section li{padding-left:6px;margin-bottom:5px}.insights-article-section li::marker{color:var(--red)}.insights-example{background:#161616;color:#fff;padding:28px 30px;margin:19px 0 55px}.insights-example span{color:#ff686d}.insights-example p{font-size:17px;line-height:1.7;margin:17px 0 0}.insights-next{border-top:6px solid var(--red);background:#f4f4f4;padding:34px}.insights-next>span{color:var(--red)}.insights-next h2{font-size:32px;margin:15px 0}.insights-next p{max-width:650px;color:#444}.insights-next>div{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}.insights-next a{font-size:12px}.insights-next a+a{background:#111}.insights-article-side{align-self:start;position:sticky;top:28px}.insights-side-box{border-top:4px solid #111;padding:17px 0 22px}.insights-side-box>strong{display:block;margin-bottom:18px}.insights-side-box a{border-top:1px solid #ddd;padding:14px 0;display:flex;gap:11px;font-size:13px;font-weight:700;line-height:1.4}.insights-side-box a span{color:var(--red)}.insights-side-box a:hover{color:var(--red)}.insights-side-note{border:1px solid #ddd;padding:20px;margin-top:17px}.insights-side-note>span{color:var(--red)}.insights-side-note p{font-size:13px;color:#555;line-height:1.6;margin:10px 0 0}.insights-related{margin-top:90px;padding:73px 0 60px;background:#f4f4f4}.insights-related-heading{display:flex;align-items:baseline;gap:28px;margin-bottom:25px}.insights-related-heading>span{color:var(--red)}.insights-related-heading h2{font-size:clamp(26px,3vw,38px);margin:0}.insights-all-link{display:inline-flex;align-items:center;gap:35px;border-bottom:2px solid var(--red);font-weight:800;font-size:13px;margin-top:30px;padding-bottom:5px}.insights-all-link:hover{color:var(--red)}
@media(max-width:900px){.insights-nav-row{min-height:76px}.insights-nav nav{gap:16px}.insights-article-layout{grid-template-columns:minmax(0,1fr) 220px;gap:34px}.insights-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.insights-footer-grid{grid-template-columns:1fr 1fr}}
.insights-example blockquote{font:700 clamp(20px,2.4vw,27px)/1.5 Manrope,Arial,sans-serif;letter-spacing:-.025em;margin:18px 0 25px;padding:0 0 0 19px;border-left:3px solid var(--red)}.insights-example blockquote+span{color:#ff686d}
@media(max-width:640px){.insights-shell{width:min(100% - 36px,1180px)}.insights-nav-row{align-items:flex-start;flex-direction:column;gap:8px;padding:14px 0}.insights-brand img{width:34px;height:34px}.insights-nav nav{width:100%;gap:0;justify-content:space-between;overflow-x:auto;white-space:nowrap;font-size:11px}.insights-nav nav a{padding:7px 0}.insights-hero{padding:57px 0 66px}.insights-hero h1{font-size:clamp(37px,11vw,56px)}.insights-hero p:not(.insights-eyebrow){font-size:16px}.insights-intro{grid-template-columns:1fr;gap:12px;padding-top:52px;padding-bottom:30px}.insights-group{padding:35px 0 26px}.insights-group-heading{gap:15px}.insights-grid{grid-template-columns:1fr;gap:11px}.insights-card,.insights-card>a{min-height:220px}.insights-card>a{padding:22px}.insights-card-series{margin-bottom:20px}.insights-footer{margin-top:55px}.insights-footer-grid{grid-template-columns:1fr;gap:25px}.insights-article-hero{padding:22px 0 49px}.insights-breadcrumb{margin-bottom:48px}.insights-article-hero h1{font-size:clamp(35px,10vw,52px)}.insights-deck{font-size:17px}.insights-article-layout{display:flex;flex-direction:column;padding-top:43px}.insights-article-side{display:none}.insights-opening{font-size:18px;margin-bottom:38px}.insights-article-section{grid-template-columns:31px minmax(0,1fr);gap:8px;padding:24px 0 29px}.insights-article-section p{font-size:16px}.insights-example{padding:22px;margin:12px 0 42px}.insights-next{padding:25px}.insights-next h2{font-size:27px}.insights-next>div{flex-direction:column}.insights-next a{width:100%}.insights-related{margin-top:58px;padding:55px 0}.insights-related-heading{display:block}.insights-related-heading h2{margin-top:10px}}