.fhv2-hero,.fhv2-body{--fhv2-blue:#072AC8;--fhv2-navy:#03045E;--fhv2-cyan:#01BAEF;--fhv2-orange:#FF7B00;--fhv2-orange-hover:#E76F00;--fhv2-white:#FFFFFF;--fhv2-cloud:#FBFBFF;--fhv2-ink:#2D2D2D;--fhv2-body-text:#3A3F49;--fhv2-muted:#6B7486;--fhv2-line:#E3E8F0;--fhv2-tint:#EEF1F7;--fhv2-tint-blue:#E6F8FE}.fhv2-hero{background:radial-gradient(640px 320px at 88% -10%,rgb(1 186 239 / .35),transparent 70%),radial-gradient(520px 300px at -10% 110%,rgb(1 186 239 / .18),transparent 70%),linear-gradient(118deg,var(--fhv2-blue) 0%,#0B1FA0 55%,var(--fhv2-navy) 100%);color:var(--fhv2-white);padding:20px 0 20px;overflow:hidden}.fhv2-hero__title{color:var(--fhv2-white);font-weight:700;font-size:44px;line-height:1.18;margin:0 0 22px;max-width:21ch}.fhv2-hero__title .fhv2-hl{color:var(--fhv2-cyan)}.fhv2-hero__meta{display:flex;flex-wrap:wrap;align-items:center;gap:8px 12px;margin:0;font-size:15px}.fhv2-hero__meta a{text-decoration:none}p.fhv2-hero__meta span a{color:#fff}.fhv2-hero__meta a:hover{text-decoration:underline}.fhv2-hero__sep{opacity:.5}.fhv2-hero__art svg{display:block;width:100%;max-width:470px;height:auto;margin-left:auto}.col-lg-8 ul li{list-style-type:disc}h1.fhv2-hero__title span{color:#ff7b00}.fa-search:before{content:"\f002";top:10px;position:absolute;left:12px}.fhig-article .fhig-tldr{border:none!important}.fhig-article .fhig-cards.fhig-anim .fhig-card.fhig-on{border-bottom:6px solid #072ac8}.fhv2-float{animation:fhv2-bob 3.6s ease-in-out infinite}.fhv2-float--b{animation-delay:.6s}.fhv2-float--c{animation-delay:1.2s}.fhv2-spark{animation:fhv2-twinkle 2.8s ease-in-out infinite;transform-origin:center;transform-box:fill-box}.fhv2-spark--2{animation-delay:.7s}.fhv2-spark--3{animation-delay:1.4s}.fhv2-spark--4{animation-delay:2.1s}@keyframes fhv2-bob{0%,100%{transform:translateY(0)}50%{transform:translateY(-9px)}}@keyframes fhv2-twinkle{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.35;transform:scale(.78)}}.fhv2-body{padding:56px 0 80px;background:var(--fhv2-white)}.fhv2-article h2{color:var(--fhv2-navy);font-size:28px;font-weight:700;margin:44px 0 16px;scroll-margin-top:120px}.fhv2-article h2:first-child{margin-top:0}.fhv2-article h3{color:var(--fhv2-navy);font-size:21px;font-weight:700;margin:30px 0 12px;scroll-margin-top:120px}.fhv2-article p{color:var(--fhv2-body-text);font-size:16px;line-height:1.78;margin:0 0 18px}.fhv2-article a{color:var(--fhv2-blue)}.fhv2-article a:hover{color:var(--fhv2-orange)}.fhv2-article ul,.fhv2-article ol{margin:0 0 20px;padding-left:22px}.fhv2-article li{color:var(--fhv2-body-text);line-height:1.7;margin-bottom:10px}.fhv2-article img{max-width:100%;height:auto}h4.fhv2-author__name a{color:var(--fhv2-navy)}.fhv2-tldr{background:#F7FAFF;border-left:4px solid var(--fhv2-cyan);border-radius:0 12px 12px 0;padding:26px 30px 18px;margin:0 0 30px}.fhv2-tldr h2{margin:0 0 14px;font-size:22px}.fhv2-tldr ul{list-style:none;padding:0;margin:0}.fhv2-tldr li{position:relative;padding-left:24px;margin-bottom:12px;font-size:15.5px}.fhv2-tldr li::before{content:"";position:absolute;left:0;top:9px;width:9px;height:9px;border-radius:2px;background:var(--fhv2-blue)}.fhv2-toc{background:var(--fhv2-tint);border-radius:12px;padding:26px 30px;margin:0 0 36px}.fhv2-toc__title{color:var(--fhv2-navy);font-weight:700;font-size:19px;margin:0 0 12px!important}.fhv2-toc ol{margin:0;padding-left:22px}.fhv2-toc li{margin-bottom:8px}.fhv2-toc a{color:var(--fhv2-ink);text-decoration:none}.fhv2-toc a:hover{color:var(--fhv2-blue);text-decoration:underline}.fhv2-chart{background:var(--fhv2-white);border:1px solid var(--fhv2-line);border-radius:16px;box-shadow:0 10px 34px rgb(3 4 94 / .08);padding:30px 30px 26px;margin:36px 0 0;text-align:center}.fhv2-chart__eyebrow{color:var(--fhv2-orange);font-size:12.5px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;margin:0 0 8px!important}.fhv2-chart__title{color:var(--fhv2-navy);font-size:30px;font-weight:700;margin:0 0 16px!important}.fhv2-chart__title span{color:var(--fhv2-orange)}.fhv2-chart__banner{background:var(--fhv2-navy);color:var(--fhv2-white)!important;border-radius:8px;font-size:14.5px;padding:10px 16px;margin:0 0 28px!important}.fhv2-chart__rows{display:grid;gap:15px;text-align:left}.fhv2-chart__row{display:grid;grid-template-columns:168px 1fr 54px;align-items:center;gap:14px;opacity:0;transform:translateY(14px);transition:opacity .5s ease,transform .5s ease}.fhv2-hero__art img{width:350px;display:flex;align-items:center;justify-content:center}.fhv2-chart__row.is-on{opacity:1;transform:none}.fhv2-chart__label{line-height:1.25}.fhv2-chart__label strong{display:block;color:var(--fhv2-ink);font-size:14px;font-weight:700}.fhv2-chart__label span{display:block;color:var(--fhv2-muted);font-size:12px;margin-top:2px}.fhv2-chart__track{position:relative;height:18px;border-radius:999px;background:repeating-linear-gradient(90deg,transparent 0,transparent calc(20% - 1px),var(--fhv2-line) calc(20% - 1px),var(--fhv2-line) 20%),#F3F6FC;overflow:hidden}.fhv2-chart__bar{height:100%;width:0;border-radius:999px;background:linear-gradient(90deg,var(--fhv2-blue),var(--fhv2-navy));transition:width 1.15s cubic-bezier(.22,.61,.36,1)}.fhv2-chart__row:nth-child(even) .fhv2-chart__bar{background:linear-gradient(90deg,var(--fhv2-cyan),#4BA3F7)}.fhv2-chart__value{color:var(--fhv2-navy);font-size:15px;font-weight:700;text-align:right;white-space:nowrap}.fhv2-next{display:flex;align-items:stretch;gap:0;border:1px solid var(--fhv2-line);border-radius:12px;overflow:hidden;margin:18px 0 36px}.fhv2-next__label{display:flex;align-items:center;gap:10px;flex:0 0 auto;background:var(--fhv2-white);color:var(--fhv2-navy);font-weight:700;font-size:13.5px;letter-spacing:.08em;text-transform:uppercase;padding:16px 20px;border-right:1px solid var(--fhv2-line)}.fhv2-next__label i{color:var(--fhv2-cyan);font-size:18px}.fhv2-next p{flex:1;background:var(--fhv2-tint-blue);color:var(--fhv2-navy)!important;font-size:14.5px;line-height:1.6;margin:0!important;padding:14px 20px;display:flex;align-items:center}.fhv2-actions{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin:28px 0 32px}.fhv2-action{background:var(--fhv2-white);border:1px solid var(--fhv2-line);border-radius:12px;padding:26px 26px 22px;transition:box-shadow .25s ease,transform .25s ease}.fhv2-action:hover{box-shadow:0 12px 30px rgb(3 4 94 / .1);transform:translateY(-3px)}.fhv2-action__num{display:inline-flex;align-items:center;justify-content:center;width:46px;height:46px;border-radius:10px;background:var(--fhv2-blue);color:var(--fhv2-white);font-weight:700;font-size:17px;margin-bottom:16px}.fhv2-action h3{margin:0 0 10px!important;font-size:18px!important}.fhv2-action p{margin:0!important;font-size:14.5px!important;color:var(--fhv2-muted)!important;line-height:1.65!important}.fhv2-faq{margin:44px 0 0}.fhv2-faq__heading{color:var(--fhv2-navy);font-size:28px;font-weight:700;margin:0 0 20px;scroll-margin-top:120px}.fhv2-faq__list{display:grid;gap:12px}.fhv2-faq__item{background:var(--fhv2-tint);border-radius:10px;overflow:hidden}.fhv2-faq__q{margin:0}.fhv2-faq__btn{display:flex;align-items:center;justify-content:space-between;gap:16px;width:100%;background:none;border:0;cursor:pointer;text-align:left;color:var(--fhv2-ink);font-size:15.5px;font-weight:600;line-height:1.45;padding:17px 22px}.fhv2-faq__btn:hover{color:var(--fhv2-blue)}.fhv2-faq__icon{position:relative;flex:0 0 auto;width:14px;height:14px}.fhv2-faq__icon::before,.fhv2-faq__icon::after{content:"";position:absolute;background:var(--fhv2-navy);transition:transform .25s ease}.fhv2-faq__icon::before{left:0;top:6px;width:14px;height:2px}.fhv2-faq__icon::after{left:6px;top:0;width:2px;height:14px}.fhv2-faq__btn[aria-expanded="true"] .fhv2-faq__icon::after{transform:scaleY(0)}.fhv2-faq__panel{overflow:hidden}.fhv2-faq__answer{padding:0 22px 18px;color:var(--fhv2-body-text);font-size:15px;line-height:1.7}.fhv2-faq__answer p{margin:0 0 12px}.fhv2-faq__answer p:last-child{margin-bottom:0}.fhv2-author{background:var(--fhv2-tint);border-radius:16px;padding:44px 48px 38px;margin:44px 0 0;text-align:center;scroll-margin-top:120px}.fhv2-author__photo{width:110px;height:110px;border-radius:50%;object-fit:cover;margin-bottom:22px;box-shadow:0 6px 18px rgb(3 4 94 / .18)}.fhv2-author__bio{color:#4A5568;font-style:italic;font-size:15px;line-height:1.75;margin:0 0 20px}.fhv2-author__name{color:var(--fhv2-navy);font-size:21px;font-weight:700;margin:0 0 6px;font-family:'GeneralSans-Regular'}.fhv2-author__role{color:var(--fhv2-blue);font-size:15px;font-weight:600;margin:0}.fhv2-sidebar{position:sticky;top:30px}.fhv2-widget{border-radius:14px;padding:26px 24px;margin-bottom:24px}.fhv2-widget--navy{background:linear-gradient(160deg,#0B1FA0 0%,var(--fhv2-navy) 100%);color:var(--fhv2-white)}.fhv2-widget--light{background:var(--fhv2-white);border:1px solid var(--fhv2-line)}.fhv2-widget__title{font-size:20px;font-weight:700;margin:0 0 16px}.fhv2-widget--navy .fhv2-widget__title{color:var(--fhv2-white)}.fhv2-widget--light .fhv2-widget__title{color:var(--fhv2-navy)}.fhv2-search__field{position:relative;display:flex}.fhv2-search__field input{width:100%;border:0;border-radius:999px;background:var(--fhv2-white);color:var(--fhv2-ink);font-size:14.5px;padding:12px 52px 12px 20px;outline:none}.fhv2-search__field button{position:absolute;right:5px;top:50%;transform:translateY(-50%);width:38px;height:38px;border:0;border-radius:50%;background:var(--fhv2-navy);color:var(--fhv2-white);cursor:pointer}.fhv2-search__field button:hover{background:var(--fhv2-blue)}.fhv2-cats__list{list-style:none;margin:0;padding:0}.fhv2-cats__list li{border-bottom:1px solid var(--fhv2-tint)}.fhv2-cats__list li:last-child{border-bottom:0}.fhv2-cats__list a{display:block;padding:11px 2px;color:#4A5568;font-size:15px;text-decoration:none;transition:color .18s ease,padding-left .18s ease}.fhv2-cats__list a:hover{color:var(--fhv2-blue);padding-left:8px}.fhv2-share__list{list-style:none;display:flex;gap:12px;margin:0;padding:0}.fhv2-share__list a{display:flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:50%;border:1px solid rgb(255 255 255 / .35);color:var(--fhv2-white);font-size:16px;text-decoration:none;transition:background .2s ease,border-color .2s ease}.fhv2-share__list a:hover{background:var(--fhv2-cyan);border-color:var(--fhv2-cyan);color:var(--fhv2-navy)}.fhv2-join{padding:34px 26px}.fhv2-join__logo{max-width:150px;height:auto;margin:0 auto 18px;display:block}.fhv2-join h3{color:var(--fhv2-white);font-size:28px;font-weight:700;margin:0 0 8px}.fhv2-join p{color:rgb(255 255 255 / .75);font-size:14px;margin:0 0 18px}.fhv2-btn{display:inline-block;background:var(--fhv2-orange);color:var(--fhv2-white)!important;font-weight:700;font-size:14.5px;padding:12px 26px;border-radius:999px;text-decoration:none!important;transition:background .2s ease,transform .2s ease}.fhv2-btn:hover{background:var(--fhv2-orange-hover);color:var(--fhv2-white);transform:translateY(-2px)}.fhv2-btn--lg{font-size:16px;padding:15px 34px}.fhv2-cta{background:radial-gradient(480px 260px at 90% -20%,rgb(1 186 239 / .3),transparent 70%),linear-gradient(118deg,var(--fhv2-blue) 0%,var(--fhv2-navy) 90%);border-radius:18px;color:var(--fhv2-white);text-align:center;padding:52px 40px;margin-top:56px}.fhv2-cta h2{color:var(--fhv2-white);font-size:32px;font-weight:700;margin:0 0 14px}.fhv2-cta p{color:rgb(255 255 255 / .82);font-size:16px;line-height:1.7;max-width:720px;margin:0 auto 26px}.fhv2-reveal{opacity:0;transform:translateY(26px);transition:opacity .6s ease,transform .6s ease}.fhv2-reveal.is-visible{opacity:1;transform:none}div#ez-toc-container{background:#eef1f7;border-radius:12px;padding:26px 30px;margin:0 0 30px;border:none!important}li.ez-toc-page-1.ez-toc-heading-level-2{margin-bottom:8px!important;padding-bottom:5px!important;font-size:16px!important}div#ez-toc-container ul.ez-toc-list a{color:#2d2d2d!important;text-decoration:none}p.ez-toc-title.ez-toc-toggle.ez-toc-loaded{color:#040868!important;font-family:'AvenirNextLTPro-Bold'!important;font-weight:700;font-size:20px!important;margin:0 0 12px!important}span.tldr{margin:0 0 14px;font-size:22px;color:#03045e!important;font-family:var(--fhig-font-head)!important;font-weight:700;scroll-margin-top:130px}.fhig-article .fhig-tldr{border:none!important;background:#F7FAFF;border-radius:0 12px 12px 0;padding:26px 30px 18px;margin:0 0 30px}@media (prefers-reduced-motion:reduce){.fhv2-float,.fhv2-spark{animation:none}.fhv2-reveal,.fhv2-chart__row{opacity:1;transform:none;transition:none}.fhv2-chart__bar{transition:none}.fhv2-action{transition:none}}@media (max-width:991px){.fhv2-hero{padding:44px 0 48px}.fhv2-hero__title{font-size:34px;max-width:none}.fhv2-sidebar{position:static;margin-top:44px}.fhv2-actions{grid-template-columns:1fr}}@media (max-width:575px){.fhv2-hero__title{font-size:28px}.fhv2-body{padding:40px 0 56px}.fhv2-article h2{font-size:23px}.fhv2-tldr,.fhv2-toc{padding:20px 18px}.fhv2-chart{padding:22px 16px 20px}.fhv2-chart__title{font-size:23px}.fhv2-chart__row{grid-template-columns:108px 1fr 42px;gap:8px}.fhv2-chart__label strong{font-size:12.5px}.fhv2-chart__label span{font-size:10.5px}.fhv2-chart__value{font-size:13px}.fhv2-chart__track{height:14px}.fhv2-next{flex-direction:column}.fhv2-next__label{border-right:0;border-bottom:1px solid var(--fhv2-line)}.fhv2-author{padding:30px 20px 26px}.fhv2-cta{padding:36px 22px}.fhv2-cta h2{font-size:25px}}