.editorial{background:#f8faf8;color:#18363a}.editorial-hero{min-height:520px;display:flex;align-items:end;background-size:cover;background-position:center;color:#fff;position:relative}.editorial-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#031d23a8,#031d23d6)}.inflation-hero{background-image:url('/assets/analysis-inflation-cover.png')}.insurance-hero{background-image:url('/assets/analysis-insurance-cover.png')}.editorial-hero-inner{position:relative;z-index:1;width:min(1120px,calc(100% - 48px));margin:0 auto;padding:70px 0 58px}.editorial-hero .back-link{display:inline-flex;padding:7px 12px;border:1px solid #ffffff66;border-radius:8px;font-size:12px;margin-bottom:36px}.editorial-hero .eyebrow{font-size:12px;font-weight:800;color:#f5bd8e;letter-spacing:.02em}.editorial-hero h1{font-size:clamp(30px,4vw,55px);line-height:1.38;max-width:850px;margin:10px 0 18px}.editorial-hero .deck{font-size:17px;line-height:2;max-width:760px;color:#e3f0ed}.byline{display:flex;flex-wrap:wrap;gap:10px 20px;color:#bdcfcd;font-size:11px;border-top:1px solid #ffffff4d;padding-top:18px;margin-top:26px}
.analysis-grid{align-items:stretch}.analysis-card{overflow:hidden}.analysis-card>a:first-child{display:block;margin:-20px -20px 18px}.analysis-card img{display:block;width:100%;height:220px;object-fit:cover}.analysis-card h3 a:hover{color:#0b6268}
.editorial-shell{width:min(1120px,calc(100% - 48px));margin:auto;display:grid;grid-template-columns:190px minmax(0,1fr);gap:44px;padding:56px 0 100px}.article-side{position:sticky;top:24px;align-self:start;display:grid;gap:4px;border-right:2px solid #d6e7e3;padding-right:18px;font-size:12px}.article-side strong{margin-bottom:10px;color:#092f35}.article-side a{color:#5a7978;padding:5px 0}.article-side a:hover{color:#073b41}.article-body{min-width:0;max-width:820px}.article-body p{font-size:15px;line-height:2.35;margin:0 0 18px}.article-body h2{font-size:27px;line-height:1.5;margin:54px 0 18px;color:#07343a}.article-body section{scroll-margin-top:20px}.article-intro p{font-size:18px;line-height:2.25;font-weight:500;color:#133c40}.article-body em{font-style:normal;font-weight:800}.article-body blockquote{margin:34px 0;border-right:5px solid #dd915e;background:#ecf3f0;border-radius:12px;padding:24px 27px;font-size:20px;line-height:1.9;font-weight:800;color:#0b4147}.metric-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:36px 0 46px}.metric-strip>div{border:1px solid #d2e2df;background:#fff;border-radius:12px;padding:19px 18px;display:grid;gap:3px}.metric-strip b{font-size:32px;color:#0b6268;line-height:1.3}.metric-strip span{font-size:11px;color:#607879}.insurance-metrics b{font-size:22px}.reading-box{border-radius:14px;background:#083d43;color:#fff;padding:24px 28px;margin:38px 0}.reading-box strong{font-size:18px;color:#f0b17f}.reading-box p{margin:8px 0 0;color:#e3efec}.sources-box{border-top:1px solid #cbded9;padding-top:12px}.sources-box ol{padding:0 23px 0 0;line-height:2.1}.sources-box li{margin-bottom:8px}.sources-box a,.article-end a{color:#0a686e;font-weight:800;text-decoration:underline;text-underline-offset:3px}.sources-box p{font-size:12px;color:#5f7776}.article-end{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;border-top:1px solid #cbded9;margin-top:40px;padding-top:23px;font-size:13px}
.infographic{margin:42px 0;padding:26px 28px 18px;background:#fff;border:1px solid #cddfda;box-shadow:0 12px 36px #0e4c4e10;border-radius:16px}.infographic figcaption{display:grid;gap:3px;margin-bottom:24px}.infographic figcaption strong{font-size:21px;color:#07343a}.infographic figcaption small{color:#647c7b}.infographic .figure-source{font-size:11px;color:#667d7b;border-top:1px solid #e1ebe8;padding-top:11px;margin:18px 0 0}.clock-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:11px}.clock-grid>div{background:linear-gradient(160deg,#e5f1ee,#f9f5ed);border:1px solid #c9e0dc;border-radius:12px;min-height:172px;padding:18px;display:grid;align-content:start}.clock-grid span{font-size:12px;font-weight:800;color:#496969}.clock-grid b{font-size:32px;color:#0b6268}.clock-grid p{font-size:11px;line-height:1.8;margin:0;color:#5e7473}.trend-bars{height:260px;display:grid;grid-template-columns:repeat(6,1fr);align-items:end;gap:9px;direction:ltr;border-bottom:1px solid #bcd4ce;padding:0 10px}.trend-bars>div{height:100%;display:flex;flex-direction:column-reverse;align-items:center;direction:rtl;position:relative;min-width:0}.trend-bars i{display:block;width:min(70px,75%);background:linear-gradient(0deg,#0b6870,#e69b68);border-radius:7px 7px 0 0;order:2}.trend-bars b{position:absolute;bottom:calc(var(--bar-height,70%) + 4px);font-size:12px;color:#07343a}.trend-bars span{position:absolute;bottom:-32px;font-size:11px;white-space:nowrap;color:#526e6b}.trend-bars>div:nth-child(1) b{bottom:77%}.trend-bars>div:nth-child(2) b{bottom:82%}.trend-bars>div:nth-child(3) b{bottom:87%}.trend-bars>div:nth-child(4) b{bottom:93%}.trend-bars>div:nth-child(5) b{bottom:98%}.trend-bars>div:nth-child(6) b{bottom:103%}.trend-figure .figure-source{margin-top:48px}.layer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.layer-grid>div{min-height:120px;padding:16px;border:1px solid #d7e6e1;border-radius:12px;background:#f1f7f4;display:grid;align-content:center;gap:4px}.layer-grid span{font-size:11px;font-weight:800;color:#c7794f}.layer-grid strong{font-size:19px;color:#0b4a50}.layer-grid small{color:#6c7c79}.flow-track{display:flex;align-items:center;gap:7px}.flow-track>div{flex:1;min-height:112px;padding:13px;border-radius:12px;background:linear-gradient(145deg,#0c5157,#0c343a);color:#fff;display:grid;align-content:center;gap:5px}.flow-track b{font-size:16px}.flow-track span{font-size:11px;color:#cfe2df}.flow-track i{color:#d79262;font-style:normal;font-weight:800}.flow-foot p{font-size:12px;margin:17px 0 0;color:#506d69}
@media(max-width:850px){.editorial-shell{grid-template-columns:1fr;gap:0}.article-side{position:static;display:flex;flex-wrap:wrap;border-right:0;border-bottom:1px solid #d6e7e3;padding:0 0 12px;margin-bottom:28px;gap:4px 15px}.article-side strong{width:100%}.editorial-hero{min-height:470px}.article-body{max-width:none}}
@media(max-width:600px){.editorial-hero{min-height:520px;background-position:38% center}.editorial-hero-inner,.editorial-shell{width:calc(100% - 32px)}.editorial-hero-inner{padding:48px 0 35px}.editorial-hero h1{font-size:31px}.editorial-hero .deck{font-size:14px}.editorial-shell{padding:30px 0 65px}.article-intro p{font-size:16px}.article-body p{font-size:14px;line-height:2.2}.article-body h2{font-size:23px;margin-top:42px}.article-body blockquote{font-size:17px;padding:20px}.metric-strip{grid-template-columns:1fr;gap:7px}.metric-strip>div{display:flex;align-items:center;justify-content:space-between;padding:12px 15px}.metric-strip b{font-size:25px}.infographic{padding:18px 16px}.infographic figcaption strong{font-size:17px}.clock-grid{grid-template-columns:1fr}.clock-grid>div{min-height:0;padding:12px 15px}.clock-grid b{font-size:25px}.trend-bars{height:210px;padding:0;gap:2px}.trend-bars i{width:70%}.trend-bars span{font-size:9px}.trend-bars b{font-size:10px}.layer-grid{grid-template-columns:repeat(2,1fr)}.layer-grid>div{min-height:100px}.flow-track{display:grid;grid-template-columns:1fr 1fr}.flow-track i{display:none}.flow-track>div{min-height:92px}.flow-track b{font-size:14px}}