/* InsuraPro Editorial SEO */
:root{
	--ipe-navy:#0b376d;
	--ipe-blue:#2563eb;
	--ipe-accent:#10b981;
	--ipe-ink:#111827;
	--ipe-muted:#667085;
	--ipe-bg:#f4f7fb;
	--ipe-surface:#ffffff;
	--ipe-line:rgba(15,35,60,.11);
	--ipe-shadow:0 14px 36px rgba(11,55,109,.08);
	--ipe-font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--ipe-bg);color:var(--ipe-ink);font-family:var(--ipe-font);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:var(--ipe-blue);text-decoration:none}
a:hover{text-decoration:underline;text-underline-offset:3px}
img{max-width:100%;height:auto}
.ipe-container{width:min(var(--ipe-container,1180px),calc(100% - 32px));margin-inline:auto}
.ipe-skip-link{position:absolute;left:-999px;top:0;background:#fff;padding:10px;z-index:999}
.ipe-skip-link:focus{left:12px}

.ipe-topbar{background:var(--ipe-navy);color:#dbeafe;font-size:.78rem}
.ipe-topbar-inner{display:flex;justify-content:space-between;align-items:center;min-height:36px;gap:16px}
.ipe-topbar nav{display:flex;gap:14px;flex-wrap:wrap}
.ipe-topbar a{color:#eaf3ff}
.ipe-masthead{background:#fff;border-bottom:1px solid var(--ipe-line)}
.ipe-masthead-inner{display:grid;grid-template-columns:minmax(210px,1fr) minmax(280px,430px) auto auto;align-items:center;gap:18px;min-height:84px}
.ipe-brand{min-width:0}
.custom-logo{max-height:62px;width:auto}
.ipe-site-title{display:block;font-weight:800;font-size:clamp(1.6rem,2.4vw,2.15rem);line-height:1;letter-spacing:-.04em;color:var(--ipe-navy)}
.ipe-tagline{margin:6px 0 0;color:var(--ipe-muted);font-size:.82rem}
.ipe-search{display:flex;background:#f8fafc;border:1px solid var(--ipe-line);border-radius:14px;overflow:hidden}
.ipe-search input{min-width:0;flex:1;border:0;background:transparent;padding:12px 13px;font:inherit}
.ipe-search button,.ipe-header-cta{border:0;background:var(--ipe-navy);color:#fff;padding:12px 15px;font-weight:750}
.ipe-header-cta{display:inline-flex;align-items:center;border-radius:14px;background:linear-gradient(135deg,var(--ipe-blue),var(--ipe-accent));box-shadow:0 10px 22px rgba(37,99,235,.18)}
.ipe-menu-toggle{display:none;background:#fff;border:1px solid var(--ipe-line);border-radius:12px;padding:9px;gap:4px;flex-direction:column}
.ipe-menu-toggle span:not(.screen-reader-text){display:block;width:22px;height:2px;background:var(--ipe-navy)}
.ipe-primary-nav{background:#fff;border-bottom:1px solid var(--ipe-line)}
.ipe-primary-nav ul{list-style:none;margin:0;padding:0;display:flex;gap:2px;overflow-x:auto}
.ipe-primary-nav a{display:block;padding:13px 14px;color:var(--ipe-navy);font-weight:760;font-size:.84rem;text-transform:uppercase;letter-spacing:.045em}
.ipe-primary-nav a:hover{background:#f1f5f9;text-decoration:none}

.ipe-banner{margin:16px 0;text-align:center}
.ipe-banner span{display:block;color:var(--ipe-muted);font-size:.68rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:6px}
.ipe-banner img{border-radius:16px;box-shadow:var(--ipe-shadow);display:block;margin:auto}

.ipe-main{padding:22px 0 44px}
.ipe-hero-zone{padding-top:0}
.ipe-breaking-strip{display:flex;gap:14px;align-items:center;min-height:46px;background:#fff;border:1px solid var(--ipe-line);border-radius:16px;padding:8px 12px;margin-bottom:18px;overflow:hidden;white-space:nowrap}
.ipe-breaking-strip strong,.ipe-kicker,.ipe-section-heading span{color:var(--ipe-accent);font-size:.72rem;text-transform:uppercase;font-weight:850;letter-spacing:.08em}
.ipe-breaking-strip a{color:var(--ipe-navy);font-size:.88rem;font-weight:700}
.ipe-home-intro{background:linear-gradient(135deg,#fff,#eef6ff);border:1px solid var(--ipe-line);border-radius:24px;padding:26px;margin-bottom:20px;box-shadow:0 10px 26px rgba(11,55,109,.05)}
.ipe-home-intro h1{font-size:clamp(2rem,4vw,3.4rem);line-height:1.04;letter-spacing:-.05em;margin:8px 0;color:var(--ipe-navy)}
.ipe-home-intro p{max-width:760px;color:#475569;font-size:1.05rem;margin:0}

.ipe-feature-layout{display:grid;grid-template-columns:minmax(0,1fr) var(--ipe-rail,330px);gap:24px;align-items:start}
.ipe-feature-card{display:grid;grid-template-columns:minmax(280px,.9fr) minmax(0,1fr);background:#fff;border:1px solid var(--ipe-line);border-radius:24px;overflow:hidden;box-shadow:var(--ipe-shadow)}
.ipe-feature-image{display:block;min-height:320px;background:#e8eef7}
.ipe-feature-image img{width:100%;height:100%;object-fit:cover;display:block}
.ipe-feature-content{padding:30px;display:flex;flex-direction:column;justify-content:center}
.ipe-feature-content h2{font-size:clamp(1.75rem,3.2vw,2.85rem);line-height:1.08;margin:9px 0 12px;letter-spacing:-.04em;color:var(--ipe-navy)}
.ipe-feature-content h2 a{color:var(--ipe-navy)}
.ipe-feature-content p{color:#475569;margin:0 0 14px}
.ipe-meta{display:flex;align-items:center;gap:8px;flex-wrap:wrap;color:var(--ipe-muted);font-size:.82rem;font-weight:650}
.ipe-secondary-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:18px}
.ipe-small-card{background:#fff;border:1px solid var(--ipe-line);border-radius:18px;overflow:hidden;box-shadow:0 8px 24px rgba(11,55,109,.05)}
.ipe-small-card a{display:block;color:var(--ipe-navy)}
.ipe-small-card img{width:100%;aspect-ratio:16/10;object-fit:cover;display:block}
.ipe-small-card strong{display:block;padding:12px 13px 4px;line-height:1.3}
.ipe-small-card small{display:block;padding:0 13px 13px;color:var(--ipe-muted)}

.ipe-right-rail{position:sticky;top:20px;display:flex;flex-direction:column;gap:16px}
.ipe-rail-widget,.ipe-latest-feed,.ipe-topic-panel{background:#fff;border:1px solid var(--ipe-line);border-radius:22px;box-shadow:0 8px 24px rgba(11,55,109,.05);overflow:hidden}
.ipe-rail-widget h2,.ipe-section-heading{padding:16px 18px;margin:0;border-bottom:1px solid var(--ipe-line)}
.ipe-rail-widget h2,.ipe-section-heading h2{font-size:1.04rem;letter-spacing:-.02em;color:var(--ipe-navy)}
.ipe-ranked-list{list-style:none;margin:0;padding:0}
.ipe-ranked-list li{display:grid;grid-template-columns:42px minmax(0,1fr);gap:10px;padding:13px 16px;border-bottom:1px solid var(--ipe-line)}
.ipe-ranked-list span{font-weight:900;color:var(--ipe-accent);font-size:1.05rem}
.ipe-ranked-list a{font-weight:760;color:var(--ipe-navy);line-height:1.35}
.ipe-mini-list,.ipe-topic-list{list-style:none;margin:0;padding:0}
.ipe-mini-list li,.ipe-topic-list li{border-bottom:1px solid var(--ipe-line)}
.ipe-mini-list a,.ipe-topic-list a{display:block;padding:13px 16px;color:var(--ipe-navy);font-weight:760}
.ipe-mini-list small,.ipe-topic-list small{display:block;color:var(--ipe-muted);font-weight:500;margin-top:4px}
.ipe-newsletter-box{padding-bottom:16px}
.ipe-newsletter-box p{padding:0 18px;color:#475569}
.ipe-pill-link{display:inline-flex;margin:0 18px;background:var(--ipe-blue);color:#fff;padding:10px 14px;border-radius:999px;font-weight:750}
.ipe-pill-link:hover{color:#fff}

.ipe-main-grid,.ipe-archive-layout,.ipe-single-grid{display:grid;grid-template-columns:minmax(0,1fr) var(--ipe-rail,330px);gap:24px;align-items:start;margin-top:24px}
.ipe-post-list{display:grid;grid-template-columns:1fr}
.ipe-card{display:grid;grid-template-columns:190px minmax(0,1fr);background:#fff;border-bottom:1px solid var(--ipe-line)}
.ipe-card:last-child{border-bottom:0}
.ipe-card-image{display:block;background:#e8eef7;overflow:hidden}
.ipe-card-image img{width:100%;height:100%;aspect-ratio:16/10;object-fit:cover;display:block}
.ipe-card-body{padding:16px 18px}
.ipe-card-title{font-size:1.15rem;line-height:1.25;margin:5px 0 8px;letter-spacing:-.02em}
.ipe-card-title a{color:var(--ipe-navy)}
.ipe-card-body p{color:#475569;margin:0 0 10px;font-size:.95rem}

.ipe-archive-header,.ipe-page,.ipe-single-article{background:#fff;border:1px solid var(--ipe-line);border-radius:22px;box-shadow:0 8px 24px rgba(11,55,109,.05);overflow:hidden}
.ipe-archive-header{padding:22px;margin-bottom:18px}
.ipe-archive-header h1,.ipe-single-header h1{font-size:clamp(2rem,3.6vw,3rem);line-height:1.08;letter-spacing:-.045em;margin:0;color:var(--ipe-navy)}
.ipe-single-article{padding:0}
.ipe-single-header{padding:30px 34px 18px}
.ipe-single-header p{color:#475569;font-size:1.08rem;max-width:760px}
.ipe-single-image{margin:0;background:#e8eef7}
.ipe-single-image img{display:block;width:100%;max-height:520px;object-fit:cover}
.ipe-disclosure-box{margin:22px 34px 0;padding:14px 16px;border-left:4px solid var(--ipe-accent);background:#f0fdf4;border-radius:12px;color:#334155}
.ipe-entry-content{max-width:760px;margin:28px auto 34px;padding:0 28px;font-size:1.04rem;line-height:1.78}
.ipe-entry-content h2{font-size:clamp(1.45rem,2.4vw,2rem);line-height:1.18;letter-spacing:-.03em;color:var(--ipe-navy);margin-top:1.5em}
.ipe-entry-content h3{font-size:1.25rem;line-height:1.25;color:var(--ipe-navy)}
.ipe-entry-content table{width:100%;border-collapse:collapse;overflow:auto;display:block}
.ipe-entry-content th,.ipe-entry-content td{border:1px solid var(--ipe-line);padding:10px;text-align:left}
.ipe-entry-content blockquote{border-left:4px solid var(--ipe-blue);margin-left:0;padding-left:18px;color:#475569}
.ipe-post-footer{padding:0 34px 34px}
.ipe-tags a{display:inline-flex;margin:4px 4px 0 0;padding:6px 10px;border-radius:999px;background:#eef2ff;color:var(--ipe-blue);font-size:.82rem;font-weight:700}
.ipe-page{padding:30px}
.ipe-page-wrap{max-width:880px}
.ipe-404{text-align:center;background:#fff;border:1px solid var(--ipe-line);border-radius:22px;padding:44px}

.ipe-site-footer{background:var(--ipe-navy);color:#dbeafe;padding:40px 0 18px}
.ipe-site-footer a{color:#fff}
.ipe-footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:28px}
.ipe-footer-brand{display:block;color:#fff;font-size:1.35rem}
.ipe-site-footer h2{color:#fff;font-size:1rem}
.ipe-site-footer ul{list-style:none;margin:0;padding:0}
.ipe-site-footer li{margin:7px 0}
.ipe-disclaimer{font-size:.9rem;color:#bad2f5}
.ipe-footer-bottom{border-top:1px solid rgba(255,255,255,.15);margin-top:24px;padding-top:16px;color:#bad2f5}

.screen-reader-text{position:absolute!important;height:1px;width:1px;overflow:hidden;clip:rect(1px,1px,1px,1px);white-space:nowrap}
.ipe-is-placeholder-image{object-fit:contain!important;padding:40px;background:#eef6ff}

@media (max-width:1080px){
	.ipe-masthead-inner{grid-template-columns:1fr auto auto}
	.ipe-search{display:none}
	.ipe-feature-layout,.ipe-main-grid,.ipe-archive-layout,.ipe-single-grid{grid-template-columns:1fr}
	.ipe-right-rail{position:static;display:grid;grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:760px){
	.ipe-container{width:min(100% - 24px,1180px)}
	.ipe-topbar nav,.ipe-header-cta{display:none}
	.ipe-masthead-inner{grid-template-columns:1fr auto;min-height:68px}
	.ipe-menu-toggle{display:flex}
	.ipe-primary-nav ul{display:none;flex-direction:column}
	.ipe-menu-open .ipe-primary-nav ul{display:flex}
	.ipe-home-intro{padding:20px}
	.ipe-home-intro h1{font-size:2rem}
	.ipe-feature-card{grid-template-columns:1fr}
	.ipe-feature-image{min-height:220px}
	.ipe-feature-content{padding:20px}
	.ipe-feature-content h2{font-size:1.65rem}
	.ipe-secondary-grid,.ipe-right-rail,.ipe-footer-grid{grid-template-columns:1fr}
	.ipe-card{grid-template-columns:112px minmax(0,1fr)}
	.ipe-card-body{padding:12px}
	.ipe-card-title{font-size:1rem}
	.ipe-card-body p{display:none}
	.ipe-entry-content{padding:0 18px}
	.ipe-single-header{padding:24px 20px 16px}
	.ipe-disclosure-box{margin:18px 20px 0}
}


/* v1.1 Pro identity, typography and share system */
body{font-size:var(--ipe-base,15px);letter-spacing:-.006em}
h1,h2,h3,h4,h5,h6,.ipe-site-title,.ipe-card-title,.ipe-feature-content h2{font-family:var(--ipe-heading-font,var(--ipe-font));font-weight:var(--ipe-heading-weight,780)}
.ipe-logo-link{display:inline-flex;align-items:center;line-height:1}
.ipe-logo-link img{display:block;height:auto;max-height:64px;width:auto}
.ipe-footer .ipe-logo-link img,.ipe-site-footer .ipe-logo-link img{max-height:54px;filter:brightness(0) invert(1)}
.ipe-brand-badge{display:inline-flex;margin-top:7px;padding:4px 8px;border-radius:999px;background:#eef6ff;color:var(--ipe-blue);font-size:.68rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em}
.ipe-breadcrumbs{padding:18px 34px 0;display:flex;gap:8px;align-items:center;flex-wrap:wrap;color:var(--ipe-muted);font-size:.82rem}
.ipe-breadcrumbs a{color:var(--ipe-navy);font-weight:750}
.ipe-share-box{margin:22px 34px 0;padding:16px;border:1px solid var(--ipe-line);border-radius:var(--ipe-radius,20px);background:linear-gradient(135deg,#fff,#f8fbff);display:flex;align-items:center;justify-content:space-between;gap:16px}
.ipe-share-copy{display:flex;flex-direction:column;gap:2px;color:var(--ipe-muted)}
.ipe-share-copy strong{color:var(--ipe-navy)}
.ipe-share-buttons{display:flex;gap:8px;flex-wrap:wrap}
.ipe-share-btn{display:inline-flex;align-items:center;gap:7px;padding:8px 10px;border-radius:999px;border:1px solid var(--ipe-line);background:#fff;color:var(--ipe-navy);font-size:.78rem;font-weight:800;text-transform:uppercase;letter-spacing:.025em}
.ipe-share-btn:hover{background:var(--ipe-navy);color:#fff;text-decoration:none}
.ipe-share-btn span{display:inline-grid;place-items:center;min-width:20px;height:20px;border-radius:50%;background:#eef6ff;color:var(--ipe-blue);font-size:.72rem}
.ipe-share-btn:hover span{background:rgba(255,255,255,.18);color:#fff}
.ipe-share-sticky{position:fixed;left:max(12px,calc((100vw - var(--ipe-container,1180px))/2 - 76px));top:210px;z-index:25;display:block;margin:0;padding:8px;border-radius:999px;box-shadow:var(--ipe-shadow)}
.ipe-share-sticky .ipe-share-buttons{flex-direction:column}
.ipe-share-sticky .ipe-share-btn{width:42px;height:42px;padding:0;justify-content:center}
.ipe-share-sticky .ipe-share-btn em{display:none}
.ipe-author-box{margin:24px 34px 0;padding:18px;border:1px solid var(--ipe-line);border-radius:var(--ipe-radius,20px);background:#fff;display:flex;gap:14px;align-items:center}
.ipe-author-box img{border-radius:50%}
.ipe-author-box p{margin:4px 0 0;color:var(--ipe-muted)}
.ipe-related-posts{margin:24px 34px 34px;border:1px solid var(--ipe-line);border-radius:var(--ipe-radius,20px);overflow:hidden;background:#fff}
.ipe-related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0}
.ipe-related-grid article{border-right:1px solid var(--ipe-line)}
.ipe-related-grid article:last-child{border-right:0}
.ipe-related-grid a{display:block;color:var(--ipe-navy)}
.ipe-related-grid img{display:block;width:100%;aspect-ratio:16/10;object-fit:cover}
.ipe-related-grid strong{display:block;padding:12px;line-height:1.3}
.ipe-theme .ipe-feature-card,.ipe-theme .ipe-rail-widget,.ipe-theme .ipe-latest-feed,.ipe-theme .ipe-topic-panel,.ipe-theme .ipe-archive-header,.ipe-theme .ipe-page,.ipe-theme .ipe-single-article,.ipe-theme .ipe-home-intro{border-radius:var(--ipe-radius,20px)}
@media (max-width:1180px){.ipe-share-sticky{display:none}}
@media (max-width:760px){.ipe-share-box{margin:18px 20px 0;align-items:flex-start;flex-direction:column}.ipe-share-buttons{width:100%}.ipe-share-btn{flex:1;justify-content:center}.ipe-related-grid{grid-template-columns:1fr}.ipe-related-grid article{border-right:0;border-bottom:1px solid var(--ipe-line)}}

/* v2.0 Ultra Pro */
.ipe-reading-progress{position:fixed;top:0;left:0;width:100%;height:3px;background:transparent;z-index:9999}.ipe-reading-progress span{display:block;width:0;height:100%;background:linear-gradient(90deg,var(--ipe-blue),var(--ipe-accent));transition:width .12s linear}.ipe-auto-toc{border:1px solid var(--ipe-line);border-radius:var(--ipe-radius,20px);background:#f8fbff;padding:16px 18px;margin:0 0 28px}.ipe-auto-toc strong{display:block;color:var(--ipe-navy);font-size:1rem;margin-bottom:8px}.ipe-auto-toc ol{margin:0;padding-left:20px}.ipe-auto-toc li{margin:6px 0;color:var(--ipe-muted)}.ipe-auto-toc .ipe-toc-level-3{margin-left:16px;font-size:.94em}.ipe-shortcode{margin:24px 0;border-radius:var(--ipe-radius,20px)}.ipe-cta-box{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:18px;border:1px solid rgba(37,99,235,.22);background:linear-gradient(135deg,#eff6ff,#f0fdf4)}.ipe-cta-box strong,.ipe-note strong,.ipe-key-takeaways strong,.ipe-methodology strong,.ipe-faq>strong{display:block;color:var(--ipe-navy);font-size:1.05rem;margin-bottom:6px}.ipe-cta-box p{margin:0;color:#475569}.ipe-cta-box a{display:inline-flex;white-space:nowrap;background:var(--ipe-blue);color:#fff;padding:10px 14px;border-radius:999px;font-weight:800}.ipe-note,.ipe-key-takeaways,.ipe-methodology,.ipe-faq{padding:18px;border:1px solid var(--ipe-line);background:#fff}.ipe-note-info{border-left:4px solid var(--ipe-blue)}.ipe-note-warning{border-left:4px solid #f59e0b}.ipe-key-takeaways{background:#f8fbff}.ipe-pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:14px}.ipe-pros-cons>div{padding:18px;border:1px solid var(--ipe-line);background:#fff;border-radius:var(--ipe-radius,20px)}.ipe-faq details{border-top:1px solid var(--ipe-line);padding:12px 0}.ipe-faq summary{cursor:pointer;font-weight:800;color:var(--ipe-navy)}.ipe-floating-cta{position:fixed;right:18px;bottom:18px;z-index:60;display:inline-flex;background:linear-gradient(135deg,var(--ipe-blue),var(--ipe-accent));color:#fff;padding:13px 17px;border-radius:999px;box-shadow:0 18px 36px rgba(37,99,235,.25);font-weight:850}.ipe-floating-cta:hover{color:#fff;text-decoration:none;transform:translateY(-1px)}.ipe-share-copy-link.is-copied em::after{content:" copied";text-transform:none;color:var(--ipe-accent)}@media(max-width:760px){.ipe-cta-box,.ipe-pros-cons{grid-template-columns:1fr;flex-direction:column;align-items:flex-start}.ipe-floating-cta{left:16px;right:16px;justify-content:center}}


/* v2.0.2 UI Motion Pro — softer editorial system */
:root{
	--ipe-soft-shadow:0 18px 45px rgba(11,55,109,.075);
	--ipe-soft-shadow-hover:0 24px 60px rgba(11,55,109,.14);
	--ipe-ease:cubic-bezier(.2,.8,.2,1);
}

/* Remove harsh underline UX. Use color/transform feedback instead. */
.ipe-active-theme a,
.ipe-active-theme a:hover,
.ipe-active-theme a:focus{
	text-decoration:none;
}
.ipe-entry-content a{
	font-weight:700;
	background-image:linear-gradient(90deg,rgba(37,99,235,.18),rgba(16,185,129,.18));
	background-size:100% 30%;
	background-repeat:no-repeat;
	background-position:0 92%;
	border-radius:4px;
	transition:background-size .22s var(--ipe-ease), color .22s var(--ipe-ease);
}
.ipe-entry-content a:hover{
	background-size:100% 78%;
	color:var(--ipe-navy);
}

/* More balanced title scale. */
.ipe-home-intro h1{
	font-size:clamp(1.82rem,3.3vw,2.92rem);
	letter-spacing:-.04em;
	max-width:860px;
}
.ipe-feature-content h2{
	font-size:clamp(1.46rem,2.35vw,2.18rem);
	letter-spacing:-.034em;
	line-height:1.14;
}
.ipe-card-title{
	font-size:clamp(.98rem,1.05vw,1.08rem);
	line-height:1.32;
	letter-spacing:-.018em;
}
.ipe-small-card strong{
	font-size:.94rem;
	line-height:1.34;
}
.ipe-rail-widget h2,
.ipe-section-heading h2{
	font-size:.98rem;
	letter-spacing:-.018em;
}
.ipe-single-header h1,
.ipe-archive-header h1{
	font-size:clamp(1.74rem,3vw,2.55rem);
	letter-spacing:-.04em;
	line-height:1.12;
}
.ipe-entry-content h2{
	font-size:clamp(1.3rem,2vw,1.72rem);
}
.ipe-entry-content h3{
	font-size:clamp(1.08rem,1.45vw,1.25rem);
}

/* Softer surfaces and modern card rhythm. */
.ipe-home-intro,
.ipe-feature-card,
.ipe-small-card,
.ipe-rail-widget,
.ipe-latest-feed,
.ipe-topic-panel,
.ipe-archive-header,
.ipe-page,
.ipe-single-article,
.ipe-card,
.ipe-share-box,
.ipe-author-box,
.ipe-related-posts{
	box-shadow:var(--ipe-soft-shadow);
	backdrop-filter:saturate(1.1);
}
.ipe-home-intro{
	background:
		radial-gradient(circle at 10% 10%,rgba(37,99,235,.10),transparent 30%),
		radial-gradient(circle at 90% 20%,rgba(16,185,129,.10),transparent 28%),
		linear-gradient(135deg,#fff,#f8fbff);
}
.ipe-feature-card,
.ipe-small-card,
.ipe-card,
.ipe-rail-widget,
.ipe-topic-panel,
.ipe-latest-feed{
	transition:transform .28s var(--ipe-ease), box-shadow .28s var(--ipe-ease), border-color .28s var(--ipe-ease), background .28s var(--ipe-ease);
}
.ipe-feature-card:hover,
.ipe-small-card:hover,
.ipe-card:hover,
.ipe-rail-widget:hover{
	transform:translateY(-4px);
	box-shadow:var(--ipe-soft-shadow-hover);
	border-color:rgba(37,99,235,.18);
}
.ipe-card:hover .ipe-card-title a,
.ipe-feature-card:hover h2 a,
.ipe-small-card:hover strong,
.ipe-ranked-list a:hover{
	color:var(--ipe-blue);
}

/* Image motion: premium but subtle. */
.ipe-feature-image img,
.ipe-small-card img,
.ipe-card-image img,
.ipe-related-grid img{
	transition:transform .55s var(--ipe-ease), filter .55s var(--ipe-ease);
	will-change:transform;
}
.ipe-feature-card:hover .ipe-feature-image img,
.ipe-small-card:hover img,
.ipe-card:hover .ipe-card-image img,
.ipe-related-grid article:hover img{
	transform:scale(1.045);
	filter:saturate(1.06) contrast(1.02);
}
.ipe-feature-image,
.ipe-card-image,
.ipe-small-card a,
.ipe-related-grid a{
	overflow:hidden;
}

/* CTA and navigation feel more alive. */
.ipe-header-cta,
.ipe-pill-link,
.ipe-cta-box a,
.ipe-floating-cta,
.ipe-share-btn,
.ipe-search button{
	transition:transform .22s var(--ipe-ease), box-shadow .22s var(--ipe-ease), background .22s var(--ipe-ease), color .22s var(--ipe-ease);
}
.ipe-header-cta:hover,
.ipe-pill-link:hover,
.ipe-cta-box a:hover,
.ipe-floating-cta:hover{
	transform:translateY(-2px);
	box-shadow:0 18px 38px rgba(37,99,235,.22);
}
.ipe-primary-nav a{
	position:relative;
	transition:color .2s var(--ipe-ease), background .2s var(--ipe-ease);
}
.ipe-primary-nav a::after{
	content:"";
	position:absolute;
	left:14px;
	right:14px;
	bottom:8px;
	height:2px;
	border-radius:999px;
	background:linear-gradient(90deg,var(--ipe-blue),var(--ipe-accent));
	transform:scaleX(0);
	transform-origin:left;
	transition:transform .22s var(--ipe-ease);
}
.ipe-primary-nav a:hover::after,
.ipe-primary-nav .current-menu-item>a::after{
	transform:scaleX(1);
}
.ipe-primary-nav a:hover{
	background:transparent;
	color:var(--ipe-blue);
}

/* Reveal animations */
@keyframes ipeFadeUp{
	from{opacity:0;transform:translateY(18px)}
	to{opacity:1;transform:translateY(0)}
}
@keyframes ipeSoftPulse{
	0%,100%{box-shadow:0 0 0 rgba(37,99,235,0)}
	50%{box-shadow:0 0 0 6px rgba(37,99,235,.055)}
}
.ipe-animate-ready .ipe-reveal{
	opacity:0;
	transform:translateY(18px);
}
.ipe-animate-ready .ipe-reveal.is-visible{
	animation:ipeFadeUp .58s var(--ipe-ease) forwards;
}
.ipe-header-cta{
	animation:ipeSoftPulse 3.8s ease-in-out infinite;
}
.ipe-feature-card{
	animation:ipeFadeUp .55s var(--ipe-ease) both;
}
.ipe-secondary-grid .ipe-small-card:nth-child(1){animation:ipeFadeUp .62s var(--ipe-ease) both .05s}
.ipe-secondary-grid .ipe-small-card:nth-child(2){animation:ipeFadeUp .62s var(--ipe-ease) both .12s}
.ipe-secondary-grid .ipe-small-card:nth-child(3){animation:ipeFadeUp .62s var(--ipe-ease) both .19s}

/* Better text comfort */
.ipe-card-body p,
.ipe-feature-content p,
.ipe-home-intro p,
.ipe-single-header p{
	color:#506070;
}
.ipe-entry-content{
	color:#243246;
}
.ipe-entry-content p{
	margin-bottom:1.08em;
}
.ipe-kicker a{
	color:var(--ipe-accent);
	font-weight:900;
}

/* Accessibility: respect reduced motion preference. */
@media (prefers-reduced-motion: reduce){
	*,
	*::before,
	*::after{
		animation-duration:.001ms!important;
		animation-iteration-count:1!important;
		scroll-behavior:auto!important;
		transition-duration:.001ms!important;
	}
	.ipe-feature-card:hover,
	.ipe-small-card:hover,
	.ipe-card:hover,
	.ipe-rail-widget:hover,
	.ipe-header-cta:hover,
	.ipe-pill-link:hover{
		transform:none!important;
	}
	.ipe-feature-card:hover .ipe-feature-image img,
	.ipe-small-card:hover img,
	.ipe-card:hover .ipe-card-image img{
		transform:none!important;
	}
}

@media(max-width:760px){
	.ipe-home-intro h1{font-size:1.78rem}
	.ipe-feature-content h2{font-size:1.42rem}
	.ipe-single-header h1{font-size:1.72rem}
	.ipe-card-title{font-size:.96rem}
	.ipe-feature-card:hover,
	.ipe-small-card:hover,
	.ipe-card:hover,
	.ipe-rail-widget:hover{transform:none}
}


/* v2.0.3 UX Ticker Repair — decisive title/link and ticker fixes */

/* Hard stop: no underline on article/title links, including browser/theme hover states. */
body.ipe-active-theme a:hover,
body.ipe-active-theme a:focus,
body.ipe-active-theme .ipe-feature-content h2 a,
body.ipe-active-theme .ipe-feature-content h2 a:hover,
body.ipe-active-theme .ipe-feature-content h2 a:focus,
body.ipe-active-theme .ipe-card-title a,
body.ipe-active-theme .ipe-card-title a:hover,
body.ipe-active-theme .ipe-card-title a:focus,
body.ipe-active-theme .ipe-small-card a,
body.ipe-active-theme .ipe-small-card a:hover,
body.ipe-active-theme .ipe-small-card strong,
body.ipe-active-theme .ipe-ranked-list a,
body.ipe-active-theme .ipe-ranked-list a:hover,
body.ipe-active-theme .ipe-ticker-track a,
body.ipe-active-theme .ipe-ticker-track a:hover{
	text-decoration:none!important;
	text-decoration-line:none!important;
	text-decoration-thickness:0!important;
	text-underline-offset:0!important;
	border-bottom:0!important;
	box-shadow:none!important;
	background-image:none!important;
}

/* Extra fallback in case body class is stripped by cache/plugin. */
.ipe-feature-content h2 a,
.ipe-feature-content h2 a:hover,
.ipe-card-title a,
.ipe-card-title a:hover,
.ipe-small-card a,
.ipe-small-card a:hover,
.ipe-ranked-list a,
.ipe-ranked-list a:hover{
	text-decoration:none!important;
	border-bottom:0!important;
	box-shadow:none!important;
	background-image:none!important;
}

/* More elegant editorial title typography: smaller, lighter, less blocky. */
body.ipe-active-theme{
	--ipe-heading-weight:680!important;
}
body.ipe-active-theme h1,
body.ipe-active-theme h2,
body.ipe-active-theme h3,
body.ipe-active-theme .ipe-feature-content h2,
body.ipe-active-theme .ipe-card-title,
body.ipe-active-theme .ipe-small-card strong,
body.ipe-active-theme .ipe-ranked-list a{
	font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif!important;
	font-weight:650!important;
	letter-spacing:-.018em!important;
	text-rendering:optimizeLegibility;
	-webkit-font-smoothing:antialiased;
	-moz-osx-font-smoothing:grayscale;
}
body.ipe-active-theme .ipe-feature-content h2,
.ipe-feature-content h2{
	font-size:clamp(1.28rem,1.85vw,1.78rem)!important;
	line-height:1.18!important;
	margin:7px 0 10px!important;
	max-width:520px;
}
body.ipe-active-theme .ipe-feature-content h2 a,
.ipe-feature-content h2 a{
	color:#1f5fd6!important;
}
body.ipe-active-theme .ipe-feature-content h2 a:hover,
.ipe-feature-content h2 a:hover{
	color:var(--ipe-navy)!important;
}
body.ipe-active-theme .ipe-card-title,
.ipe-card-title{
	font-size:clamp(.88rem,.92vw,.98rem)!important;
	line-height:1.36!important;
	margin:4px 0 7px!important;
}
body.ipe-active-theme .ipe-small-card strong,
.ipe-small-card strong{
	font-size:.86rem!important;
	line-height:1.35!important;
	font-weight:650!important;
}
body.ipe-active-theme .ipe-ranked-list a,
.ipe-ranked-list a{
	font-size:.84rem!important;
	line-height:1.36!important;
	font-weight:650!important;
}
body.ipe-active-theme .ipe-section-heading h2,
body.ipe-active-theme .ipe-rail-widget h2,
.ipe-section-heading h2,
.ipe-rail-widget h2{
	font-size:.9rem!important;
	font-weight:680!important;
}
body.ipe-active-theme .ipe-single-header h1,
body.ipe-active-theme .ipe-archive-header h1,
.ipe-single-header h1,
.ipe-archive-header h1{
	font-size:clamp(1.56rem,2.55vw,2.22rem)!important;
	line-height:1.15!important;
	font-weight:680!important;
}

/* Feature card is visually calmer. */
body.ipe-active-theme .ipe-feature-content,
.ipe-feature-content{
	padding:24px 28px!important;
}
body.ipe-active-theme .ipe-feature-content p,
.ipe-feature-content p{
	font-size:.92rem!important;
	line-height:1.62!important;
	max-width:540px;
}
body.ipe-active-theme .ipe-kicker,
body.ipe-active-theme .ipe-kicker a,
.ipe-kicker,
.ipe-kicker a{
	font-size:.66rem!important;
	letter-spacing:.12em!important;
	font-weight:850!important;
}

/* Top Guide ticker: right-to-left, lively, pause on hover. */
body.ipe-active-theme .ipe-breaking-strip.ipe-top-guide-ticker,
.ipe-breaking-strip.ipe-top-guide-ticker{
	position:relative;
	display:grid!important;
	grid-template-columns:auto minmax(0,1fr);
	gap:16px;
	align-items:center;
	overflow:hidden!important;
	white-space:nowrap;
	padding:8px 14px!important;
	background:linear-gradient(135deg,#ffffff,#f8fbff)!important;
	border:1px solid rgba(37,99,235,.12)!important;
	box-shadow:0 10px 26px rgba(11,55,109,.045)!important;
}
body.ipe-active-theme .ipe-top-guide-ticker strong,
.ipe-top-guide-ticker strong{
	position:relative;
	z-index:2;
	display:inline-flex;
	align-items:center;
	height:28px;
	padding:0 11px;
	border-radius:999px;
	background:#f0fdf4;
	color:var(--ipe-accent)!important;
	letter-spacing:.13em!important;
	flex:0 0 auto;
}
body.ipe-active-theme .ipe-ticker-viewport,
.ipe-ticker-viewport{
	min-width:0;
	overflow:hidden;
	mask-image:linear-gradient(90deg,transparent 0,#000 6%,#000 94%,transparent 100%);
	-webkit-mask-image:linear-gradient(90deg,transparent 0,#000 6%,#000 94%,transparent 100%);
}
body.ipe-active-theme .ipe-ticker-track,
.ipe-ticker-track{
	display:inline-flex;
	align-items:center;
	gap:34px;
	width:max-content;
	will-change:transform;
	animation:ipeTickerRTL 32s linear infinite;
}
body.ipe-active-theme .ipe-top-guide-ticker:hover .ipe-ticker-track,
.ipe-top-guide-ticker:hover .ipe-ticker-track{
	animation-play-state:paused;
}
body.ipe-active-theme .ipe-ticker-track a,
.ipe-ticker-track a{
	position:relative;
	display:inline-flex;
	align-items:center;
	color:var(--ipe-navy)!important;
	font-size:.82rem!important;
	font-weight:650!important;
	line-height:1.2;
	letter-spacing:-.006em;
	transition:color .22s var(--ipe-ease), transform .22s var(--ipe-ease);
}
body.ipe-active-theme .ipe-ticker-track a::before,
.ipe-ticker-track a::before{
	content:"";
	width:6px;
	height:6px;
	margin-right:12px;
	border-radius:50%;
	background:linear-gradient(135deg,var(--ipe-blue),var(--ipe-accent));
	box-shadow:0 0 0 4px rgba(37,99,235,.08);
	flex:0 0 auto;
}
body.ipe-active-theme .ipe-ticker-track a:hover,
.ipe-ticker-track a:hover{
	color:var(--ipe-blue)!important;
	transform:translateY(-1px);
}
@keyframes ipeTickerRTL{
	0%{transform:translate3d(0,0,0)}
	100%{transform:translate3d(-50%,0,0)}
}

/* Softer hover: keep motion but not jumpy. */
body.ipe-active-theme .ipe-feature-card:hover,
body.ipe-active-theme .ipe-small-card:hover,
body.ipe-active-theme .ipe-card:hover,
body.ipe-active-theme .ipe-rail-widget:hover{
	transform:translateY(-2px)!important;
}
body.ipe-active-theme .ipe-feature-card:hover .ipe-feature-image img,
body.ipe-active-theme .ipe-small-card:hover img,
body.ipe-active-theme .ipe-card:hover .ipe-card-image img{
	transform:scale(1.025)!important;
}

@media(max-width:760px){
	body.ipe-active-theme .ipe-feature-content h2,
	.ipe-feature-content h2{
		font-size:1.22rem!important;
		line-height:1.2!important;
	}
	body.ipe-active-theme .ipe-card-title,
	.ipe-card-title{
		font-size:.86rem!important;
	}
	body.ipe-active-theme .ipe-breaking-strip.ipe-top-guide-ticker,
	.ipe-breaking-strip.ipe-top-guide-ticker{
		grid-template-columns:1fr;
		gap:8px;
	}
	body.ipe-active-theme .ipe-ticker-track,
	.ipe-ticker-track{
		animation-duration:24s;
	}
}

@media (prefers-reduced-motion: reduce){
	body.ipe-active-theme .ipe-ticker-track,
	.ipe-ticker-track{
		animation:none!important;
		transform:none!important;
	}
	body.ipe-active-theme .ipe-ticker-viewport,
	.ipe-ticker-viewport{
		overflow:auto;
		mask-image:none;
		-webkit-mask-image:none;
	}
}


/* v2.0.3.2 TRUE MARQUEE REPAIR
   Top Guide is text running right-to-left, not a horizontal scroll bar.
*/
body.ipe-active-theme .ipe-breaking-strip.ipe-top-guide-marquee,
.ipe-breaking-strip.ipe-top-guide-marquee{
	position:relative!important;
	display:grid!important;
	grid-template-columns:auto minmax(0,1fr)!important;
	align-items:center!important;
	gap:14px!important;
	width:100%!important;
	max-width:100%!important;
	min-height:44px!important;
	padding:8px 14px!important;
	overflow:hidden!important;
	white-space:nowrap!important;
	background:linear-gradient(135deg,#fff,#f8fbff)!important;
	border:1px solid rgba(37,99,235,.12)!important;
	border-radius:16px!important;
	box-shadow:0 10px 26px rgba(11,55,109,.045)!important;
}

/* Fixed label, not moving. */
body.ipe-active-theme .ipe-top-guide-marquee > strong,
.ipe-top-guide-marquee > strong{
	position:relative!important;
	z-index:3!important;
	display:inline-flex!important;
	align-items:center!important;
	height:28px!important;
	padding:0 11px!important;
	border-radius:999px!important;
	background:#f0fdf4!important;
	color:var(--ipe-accent)!important;
	font-size:.66rem!important;
	font-weight:850!important;
	letter-spacing:.13em!important;
	text-transform:uppercase!important;
	flex:0 0 auto!important;
}

/* No scrollbar: hidden viewport only. */
body.ipe-active-theme .ipe-marquee-window,
.ipe-marquee-window{
	position:relative!important;
	display:block!important;
	min-width:0!important;
	width:100%!important;
	max-width:100%!important;
	height:30px!important;
	overflow:hidden!important;
	overflow-x:hidden!important;
	overflow-y:hidden!important;
	white-space:nowrap!important;
	scrollbar-width:none!important;
	-ms-overflow-style:none!important;
	mask-image:linear-gradient(90deg,transparent 0,#000 5%,#000 95%,transparent 100%)!important;
	-webkit-mask-image:linear-gradient(90deg,transparent 0,#000 5%,#000 95%,transparent 100%)!important;
}
body.ipe-active-theme .ipe-marquee-window::-webkit-scrollbar,
.ipe-marquee-window::-webkit-scrollbar{
	display:none!important;
	width:0!important;
	height:0!important;
}

/* The text track itself moves. */
body.ipe-active-theme .ipe-marquee-track,
.ipe-marquee-track{
	position:absolute!important;
	left:0!important;
	top:50%!important;
	display:inline-flex!important;
	align-items:center!important;
	gap:38px!important;
	width:max-content!important;
	min-width:max-content!important;
	white-space:nowrap!important;
	transform:translate3d(100%, -50%, 0);
	will-change:transform!important;
	animation:ipeTrueMarqueeRTL 34s linear infinite!important;
}
body.ipe-active-theme .ipe-top-guide-marquee:hover .ipe-marquee-track,
.ipe-top-guide-marquee:hover .ipe-marquee-track{
	animation-play-state:paused!important;
}

body.ipe-active-theme .ipe-marquee-track a,
body.ipe-active-theme .ipe-marquee-track a:hover,
.ipe-marquee-track a,
.ipe-marquee-track a:hover{
	display:inline-flex!important;
	align-items:center!important;
	color:var(--ipe-navy)!important;
	font-size:.82rem!important;
	font-weight:650!important;
	line-height:1.2!important;
	letter-spacing:-.006em!important;
	text-decoration:none!important;
	text-decoration-line:none!important;
	border-bottom:0!important;
	box-shadow:none!important;
	background-image:none!important;
	transition:color .22s var(--ipe-ease), transform .22s var(--ipe-ease)!important;
}
body.ipe-active-theme .ipe-marquee-track a::before,
.ipe-marquee-track a::before{
	content:""!important;
	width:6px!important;
	height:6px!important;
	margin-right:12px!important;
	border-radius:50%!important;
	background:linear-gradient(135deg,var(--ipe-blue),var(--ipe-accent))!important;
	box-shadow:0 0 0 4px rgba(37,99,235,.08)!important;
	flex:0 0 auto!important;
}
body.ipe-active-theme .ipe-marquee-track a:hover,
.ipe-marquee-track a:hover{
	color:var(--ipe-blue)!important;
	transform:translateY(-1px)!important;
}

@keyframes ipeTrueMarqueeRTL{
	0%{transform:translate3d(100%, -50%, 0)}
	100%{transform:translate3d(-50%, -50%, 0)}
}

/* Do not turn ticker into a scrollbar in reduced-motion mode. */
@media (prefers-reduced-motion: reduce){
	body.ipe-active-theme .ipe-marquee-window,
	.ipe-marquee-window{
		overflow:hidden!important;
		overflow-x:hidden!important;
	}
	body.ipe-active-theme .ipe-marquee-track,
	.ipe-marquee-track{
		position:relative!important;
		top:auto!important;
		left:auto!important;
		transform:none!important;
		animation:none!important;
	}
}

/* Mobile: still marquee, still no scrollbar. */
@media(max-width:760px){
	body.ipe-active-theme .ipe-breaking-strip.ipe-top-guide-marquee,
	.ipe-breaking-strip.ipe-top-guide-marquee{
		grid-template-columns:1fr!important;
		gap:8px!important;
	}
	body.ipe-active-theme .ipe-marquee-track,
	.ipe-marquee-track{
		animation-duration:26s!important;
	}
}