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.text-link{flex-shrink:0}.stage-section{padding-top:58px;padding-bottom:60px}.stage-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}.stage-grid>a{border-top:1px solid #C7A267;position:relative;padding:22px 28px 16px 0}.stage-grid>a:hover h3{color:#947440}.stage-number{font:12px Arial;color:#A2824A;position:absolute;right:0;top:28px}.stage-grid h3{font-size:21px;font-weight:600;margin-bottom:12px}.stage-grid p{font-size:13px;margin-bottom:18px;max-width:320px}.stage-link{font-size:12px;color:#12294B}.service-editorial-grid{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid #C7D0DD}.service-editorial-card{display:flex;flex-direction:column;padding:24px 26px 24px 0;min-height:255px;position:relative}.service-editorial-card+.service-editorial-card{border-left:1px solid #D9E0E8;padding-left:25px}.service-editorial-card>span{font:12px Arial;color:#9B7B42;margin-bottom:23px}.service-editorial-card h3{font-size:20px;font-weight:600;line-height:1.5;margin-bottom:14px}.service-editorial-card p{font-size:13px;line-height:1.9;flex:1;margin-bottom:18px}.service-editorial-card b{font-size:20px;font-weight:400;color:#9B7B42}.working-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:30px}.working-grid article{border-top:1px solid #D9E0E8;padding-top:20px}.working-grid article>span{font:28px Georgia;color:#B59050}.working-grid h3{font-size:19px;font-weight:600;margin:16px 0 11px}.working-grid p{font-size:13px;line-height:1.9;margin:0}.insight-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.insight-card{border:1px solid #DCE3EA;background:white;padding:28px;display:flex;flex-direction:column;min-height:310px;color:#12294B;transition:border-color .2s,transform .2s}.insight-card:hover{border-color:#B59050;color:#12294B;transform:translateY(-2px)}.insight-top{display:flex;justify-content:space-between;color:#9B7B42;font-size:11px;margin-bottom:27px;gap:15px}.insight-top span:last-child{font-size:20px;line-height:1}.insight-card h3{font-size:21px;font-weight:600;line-height:1.6;margin-bottom:15px;letter-spacing:-.01em}.insight-card p{font-size:13px;line-height:1.9;margin-bottom:24px;flex:1}.insight-meta{font-size:10px;color:#677488;padding-top:14px;border-top:1px solid #EBEEF3}.resource-faq{display:grid;grid-template-columns:1fr 1fr;gap:65px}.resource-feature{display:block;background:#12294B;color:white;padding:30px;min-height:245px}.resource-feature:hover{color:white;background:#0B1B33}.resource-feature>span{font:12px Arial;color:#D8B779;letter-spacing:.15em}.resource-feature h3{font-size:23px;font-weight:500;margin:30px 0 14px}.resource-feature p{font-size:13px;color:#CBD6E6;margin:0 0 24px}.resource-feature b{font-size:12px;font-weight:400;color:#E3C48D}.faq-item{border-top:1px solid #D9E0E8;padding:0 0 18px}.faq-item summary{list-style:none;cursor:pointer;padding:18px 28px 0 0;font-size:15px;font-weight:600;position:relative;color:#12294B;line-height:1.65}.faq-item summary:after{content:'+';position:absolute;right:2px;top:19px;font-weight:400;color:#9B7B42}.faq-item[open] summary:after{content:'−'}.faq-item p{font-size:13px;line-height:1.95;margin:14px 0 0}.faq-page{max-width:870px}.faq-page .faq-item summary{font-size:18px;padding-top:24px}.faq-page .faq-item p{font-size:15px}.breadcrumbs{display:flex!important;gap:10px;justify-content:flex-start;flex-wrap:wrap;font-size:11px!important;padding:19px 0;border-bottom:1px solid #E6EAF0;color:#697485}.breadcrumbs a{padding:0}.breadcrumbs>span:last-child{color:#12294B}.reading-content{font-size:16px;line-height:1.95}.reading-content h2{font-family:var(--sans);font-size:25px;font-weight:600;margin:34px 0 18px;line-height:1.5}.reading-content h2:first-child{margin-top:0}.reading-content h3{font-size:20px;font-weight:600;margin:27px 0 14px}.reading-content p{font-size:15px;line-height:2;margin-bottom:20px}.reading-content ul{padding-left:23px;color:#5B6575;margin:18px 0 30px}.reading-content li{margin:9px 0;font-size:15px}.service-directory{display:grid;grid-template-columns:1fr 1fr;gap:45px}.service-directory article{border-top:1px solid #D2B37D;padding:26px 20px 15px 0}.service-directory h2{font-family:var(--sans);font-size:27px;font-weight:600;margin-bottom:17px}.service-directory p{font-size:14px;margin-bottom:23px}.service-directory .eyebrow{color:#9B7B42;margin-bottom:18px}.insight-search{display:grid;grid-template-columns:2fr 1fr auto;gap:20px;align-items:end}.insight-search label{font-size:12px;color:#617082}.insight-search input,.insight-search select{margin-top:8px;height:48px;border-color:#D1D9E3}.insight-search .button{height:48px}.category-links{display:flex;flex-wrap:wrap;gap:14px;margin:28px 0 22px}.category-links a{border:1px solid #D7DFE8;padding:7px 14px;font-size:12px;color:#12294B}.category-links a:hover{border-color:#B59050}.results-count{font-size:11px;color:#738093;margin-bottom:24px}.empty-state{padding:50px 0;font-size:16px}.editorial-note{font-size:12px;line-height:1.9;color:#687688;border-top:1px solid #DCE3EA;padding-top:20px;margin-top:37px}.article-heading{padding-top:55px;padding-bottom:38px;max-width:1000px}.article-heading .eyebrow{color:#9B7B42;font-size:11px;margin-bottom:20px}.article-heading h1{font-family:var(--sans);font-size:clamp(29px,3.5vw,46px);font-weight:600;line-height:1.5;margin-bottom:23px}.article-summary{font-size:17px;line-height:1.85;margin-bottom:24px;color:#5D6A7B}.article-byline{font-size:11px;color:#798595;line-height:1.9}.article-layout{display:grid;grid-template-columns:245px minmax(0,740px);gap:65px;padding-bottom:68px}.article-toc{border-top:1px solid #D6DEE8;padding-top:20px}.article-toc .eyebrow{font-size:10px;color:#947440;margin-bottom:18px}.article-toc a{display:block;padding:9px 0;border-bottom:1px solid #EBEFF4;font-size:12px;line-height:1.7;color:#667386}.article-toc a:hover{color:#947440}.article-body{border-top:1px solid #D6DEE8;padding-top:25px}.article-sources{border-top:1px solid #D6DEE8;padding-top:25px;margin-top:40px}.article-sources h2{font-size:22px}.article-sources a{color:#947440;text-decoration:underline;text-underline-offset:3px}.article-sources p{font-size:12px;color:#758193}.related-service{background:#F3F5F8;padding:28px;margin-top:32px}.related-service .eyebrow{font-size:9px;color:#947440;margin-bottom:12px}.related-service h3{margin:0 0 15px;font-size:21px}.related-service p{font-size:13px}.resource-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}.resource-card{border:1px solid #DCE3EA;padding:28px;display:flex;flex-direction:column}.resource-card .eyebrow{color:#947440;font-size:10px;margin-bottom:20px}.resource-card h2{font-family:var(--sans);font-size:24px;font-weight:600;margin-bottom:15px}.resource-card p{font-size:13px}.resource-card ul{padding-left:18px;font-size:12px;color:#647183;line-height:1.9;flex:1;margin-bottom:25px}.resource-card li{margin:8px 0}.contact-editorial{display:grid;grid-template-columns:1fr 1fr;gap:80px}.contact-panel{background:#F3F5F8;padding:35px}.contact-panel .eyebrow{color:#947440;margin-bottom:25px}.contact-panel h2{font-family:var(--sans);font-size:26px;font-weight:600;margin-bottom:18px}.contact-panel h3{font-size:14px;margin-top:20px;margin-bottom:7px}.contact-panel a{color:#947440;overflow-wrap:anywhere}.contact-panel p{font-size:13px;line-height:1.9}.contact-security{border-top:1px solid #DCE3EA;padding-top:20px;margin-top:30px;color:#778295}.cms-site .home-reference .compact-copy,.cms-site.home-reference .compact-copy{max-width:660px}
@media(max-width:1180px){.cms-site nav{gap:11px;font-size:12px}.cms-site .brand img{width:205px}.cms-site.english nav{gap:9px;font-size:11px}.cms-site.english .brand img{width:180px}.cms-site .nav-cta{padding:9px 12px}.cms-site .language-switch{padding-left:10px}.article-layout{grid-template-columns:200px 1fr;gap:36px}.service-editorial-card{padding-right:18px}.service-editorial-card+.service-editorial-card{padding-left:18px}.service-editorial-card h3{font-size:18px}.insight-card{padding:23px}.resource-faq{gap:40px}}
@media(max-width:960px){.cms-site.english .menu-toggle{display:block}.cms-site.english nav{display:none;position:absolute;left:0;right:0;top:82px;background:white;padding:20px 24px;flex-direction:column;align-items:stretch;border-bottom:1px solid #D9DFE8}.cms-site.english nav.open{display:flex}.cms-site.english .brand img{width:215px}.cms-site.english .language-switch{border:0}.service-editorial-grid{grid-template-columns:1fr 1fr}.service-editorial-card{border-bottom:1px solid #D9E0E8}.service-editorial-card:nth-child(3){border-left:0;padding-left:0}.insight-grid{grid-template-columns:1fr 1fr}.resource-grid{grid-template-columns:1fr}.resource-card ul{margin-top:0}.resource-faq{gap:30px}.article-layout{grid-template-columns:1fr}.article-toc{display:none}.working-grid{gap:20px}}
@media(max-width:760px){.cms-site nav{gap:10px;font-size:14px}.cms-site .brand img{width:217px}.cms-site.english nav{top:76px}.cms-site .page-intro{padding:46px 0 44px}.cms-site .page-intro h1{font-size:30px}.cms-site .page-intro p{font-size:13px}.editorial-section{padding-top:43px;padding-bottom:43px}.editorial-head{display:block;margin-bottom:25px}.editorial-head h2{font-size:25px}.editorial-head p{font-size:12px}.editorial-head .text-link{margin-top:16px;font-size:11px}.stage-section{padding-top:36px;padding-bottom:39px}.stage-grid{grid-template-columns:1fr;gap:15px}.stage-grid>a{padding-top:18px;padding-bottom:14px}.stage-grid h3{font-size:20px;margin-bottom:8px}.stage-grid p{font-size:12px;margin-bottom:12px}.stage-number{top:24px}.service-editorial-grid{gap:0}.service-editorial-card{min-height:260px;padding-right:14px}.service-editorial-card+.service-editorial-card{padding-left:14px}.service-editorial-card:nth-child(3){padding-left:0}.service-editorial-card h3{font-size:17px}.service-editorial-card p{font-size:12px}.working-grid{grid-template-columns:1fr 1fr;gap:25px}.working-grid h3{font-size:17px}.working-grid p{font-size:12px}.insight-grid{grid-template-columns:1fr;gap:18px}.insight-card{min-height:0;padding:23px}.insight-top{margin-bottom:18px}.insight-card h3{font-size:20px}.insight-card p{margin-bottom:20px}.resource-faq{grid-template-columns:1fr;gap:39px}.resource-feature{min-height:0;padding:26px}.resource-feature h3{font-size:21px;margin-top:22px}.service-directory{grid-template-columns:1fr;gap:24px}.service-directory h2{font-size:25px}.breadcrumbs{font-size:10px!important;padding:15px 0}.reading-content h2{font-size:23px;margin-top:30px}.reading-content p,.reading-content li{font-size:14px}.insight-search{grid-template-columns:1fr 1fr;gap:13px}.insight-search label:first-child{grid-column:1 / -1}.insight-search .button{padding:10px 18px;justify-content:center}.category-links{gap:9px}.category-links a{font-size:10px;padding:6px 10px}.article-heading{padding-top:33px;padding-bottom:27px}.article-heading h1{font-size:29px;line-height:1.45}.article-summary{font-size:14px}.article-byline{font-size:10px}.article-layout{gap:0;padding-bottom:40px}.article-body{padding-top:23px}.article-sources p{font-size:11px}.resource-card{padding:23px}.resource-card h2{font-size:23px}.contact-editorial{grid-template-columns:1fr;gap:30px}.contact-panel{padding:27px}.faq-page .faq-item summary{font-size:16px}.faq-page .faq-item p{font-size:13px}.cms-site .cta .wrap{align-items:flex-start}.cms-site .cta h2{font-size:27px}}
@media(prefers-reduced-motion:reduce){.insight-card:hover{transform:none}}
.contact-person{font-size:29px;font-weight:600;line-height:1.4;margin:16px 0 4px}.contact-role{color:#947440;margin:0 0 24px}.contact-panel>a{overflow-wrap:anywhere}.office-address{margin-top:44px;border-top:1px solid #dce3ea;padding-top:28px}.office-address>.eyebrow{color:#947440}.office-address h2{font-size:25px;margin:12px 0 16px}.office-address>p{font-size:16px;line-height:1.9;max-width:520px}.transit-note{border-left:3px solid #c7a267;padding:14px 20px;background:#f4f6f8;margin-top:22px}.transit-note>span{font-size:11px;letter-spacing:.1em;color:#947440}.transit-note p{margin:6px 0 0;font-size:14px}.contact-panel .wechat-qr{display:block;max-width:300px;margin-top:14px;background:white}.wechat-qr img{display:block;width:100%;height:auto}.qr-help{font-size:12px;line-height:1.8;color:#677488;max-width:300px;margin-top:10px}.wechat-id{font-size:16px;letter-spacing:.02em}

.business-cards{border-top:1px solid #dce3ea}.business-card-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:32px}.business-card-grid figure{margin:0;min-width:0}.business-card-grid figure>a{display:block;box-shadow:0 10px 28px #12294b12}.business-card-grid img{display:block;width:100%;height:auto;aspect-ratio:5/3}.business-card-grid figcaption{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-top:16px;font-size:14px}.business-card-grid figcaption>span{color:#677488}.business-card-grid a:focus-visible{outline:3px solid #947440;outline-offset:5px}@media(max-width:760px){.business-card-grid{grid-template-columns:1fr;gap:32px}.business-card-grid figcaption{font-size:13px}}
