/* Phase 1 only: new home + shared header. No article/form/calculator selectors. */
.vtc-27-home, .vtc-27-header {
  --vtc-action: var(--vtc-27-blue);
  --vtc-action-hover: var(--vtc-27-ink);
  --vtc-ink: var(--vtc-27-blue);
  --vtc-surface: var(--vtc-27-light);
  --vtc-ground: var(--vtc-27-paper);
  --vtc-line: var(--vtc-27-line);
  --vtc-radius: 0;
  --vtc-shadow-3: none;
  color: var(--vtc-27-blue);
  font-family: var(--vtc-27-sans);
}
.vtc-27-home { background: var(--vtc-27-paper); }
.vtc-27-home *, .vtc-27-header * { box-sizing: border-box; }
.vtc-27-wrap { width:100%; max-width:var(--vtc-27-wrap); margin-inline:auto; padding-inline:var(--vtc-27-gutter); }
.vtc-27-home a { color:inherit; }
.vtc-27-home :is(a,button):focus-visible, .vtc-27-header :is(a,button,input,summary):focus-visible { outline:2px solid var(--vtc-27-blue); outline-offset:5px; box-shadow:none; }
.vtc-27-eyebrow { margin:0 0 24px; font:400 .7rem/1.6 var(--vtc-27-sans); letter-spacing:.26em; text-transform:uppercase; color:var(--vtc-27-secondary); }
.vtc-27-home h2 { margin:0 0 24px; font:500 clamp(2.6rem,4.6vw,4.5rem)/1.04 var(--vtc-27-sans); letter-spacing:-.055em; color:var(--vtc-27-blue); }
.vtc-27-sr { position:absolute; width:1px; height:1px; margin:-1px; padding:0; overflow:hidden; clip-path:inset(50%); white-space:nowrap; border:0; }
.vtc-27-hero { display:grid; gap:52px; padding-top:clamp(42px,5vw,80px); padding-bottom:clamp(48px,5vw,80px); }
.vtc-27-title { margin:0 0 clamp(28px,3vw,50px); font:600 clamp(2.8rem,10.2vw,10rem)/.91 var(--vtc-27-sans); letter-spacing:-.065em; color:var(--vtc-27-watermark); }
.vtc-27-title em { font-family:var(--vtc-27-serif); font-weight:500; letter-spacing:-.075em; }
.vtc-27-title > span[aria-hidden] { display:block; }
.vtc-27-intro { max-width:31em; margin:0 0 28px; color:var(--vtc-27-secondary); font:400 clamp(1.12rem,1.85vw,1.65rem)/1.27 var(--vtc-27-serif); }
.vtc-27-actions { display:flex; align-items:center; flex-wrap:wrap; gap:16px 24px; }
.vtc-27-home .vtc-27-button { display:inline-flex; align-items:center; justify-content:center; gap:24px; min-height:50px; padding:14px 24px; border:1px solid var(--vtc-27-blue); background:var(--vtc-27-blue); color:var(--vtc-27-light); text-decoration:none; font-size:.95rem; line-height:1.4; }
.vtc-27-home .vtc-27-button--outline { background:transparent; color:var(--vtc-27-blue); }
.vtc-27-button:hover { opacity:.85; }
.vtc-27-trust { align-self:end; padding-block:0 12px; }
.vtc-27-trust .vtc-27-eyebrow { margin-bottom:22px; }
.vtc-27-trust dl { margin:0; }
.vtc-27-trust dl > div { display:flex; align-items:baseline; justify-content:space-between; gap:16px; padding:23px 0; border-bottom:1px solid var(--vtc-27-line); font:400 clamp(1rem,1.3vw,1.2rem)/1.35 var(--vtc-27-serif); }
.vtc-27-trust dl > div:last-child { border:0; }
.vtc-27-trust dt { font-weight:400; }
.vtc-27-trust dd { margin:0; text-align:right; }
.vtc-27-trust a { text-decoration:none; }
.vtc-27-band { background:var(--vtc-27-light); border-block:1px solid var(--vtc-27-stone); }
.vtc-27-experts, .vtc-27-entry, .vtc-27-journal, .vtc-27-regions { display:grid; gap:36px; padding-block:clamp(36px,4.5vw,72px); }
.vtc-27-section-copy > p:not(.vtc-27-eyebrow) { max-width:30em; margin:0 0 24px; color:var(--vtc-27-secondary); font:400 clamp(1rem,1.4vw,1.2rem)/1.4 var(--vtc-27-serif); }
.vtc-27-modes { display:flex; flex-wrap:wrap; gap:12px 22px; margin:0 0 20px; padding:0; list-style:none; font-size:.85rem; }
.vtc-27-modes li { padding-left:12px; border-left:1px solid var(--vtc-27-line); }
.vtc-27-link { display:inline-flex; align-items:center; gap:20px; min-height:44px; font-size:.95rem; text-decoration:underline; text-underline-offset:6px; text-decoration-thickness:1px; }
.vtc-27-portraits { display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); gap:14px; align-content:start; }
.vtc-27-expert { min-width:0; }
.vtc-27-expert a { text-decoration:none; }
.vtc-27-expert img, .vtc-27-portrait-placeholder { display:block; width:100%; height:auto; aspect-ratio:3/4; object-fit:cover; object-position:center 25%; background:var(--vtc-27-stone); }
.vtc-27-portrait-placeholder { display:grid; place-content:center; font:400 clamp(1.5rem,3vw,3rem) var(--vtc-27-serif); color:var(--vtc-27-secondary); }
.vtc-27-expert h3 { margin:15px 0 6px; font:400 clamp(.95rem,1.4vw,1.22rem)/1.2 var(--vtc-27-serif); overflow-wrap:anywhere; }
.vtc-27-expert p { margin:0 0 3px; color:var(--vtc-27-secondary); font-size:.8rem; line-height:1.5; }
.vtc-27-expert-empty { grid-column:1/-1; border-left:1px solid var(--vtc-27-line); padding:28px; font:400 1.65rem/1.3 var(--vtc-27-serif); }
.vtc-27-entry-list { list-style:none; margin:0; padding:0; }
.vtc-27-entry-list a { display:grid; grid-template-columns:40px 1fr 20px; gap:16px; align-items:center; min-height:85px; padding:16px 0; border-bottom:1px solid var(--vtc-27-line); text-decoration:none; font:400 clamp(1.1rem,1.9vw,1.7rem)/1.25 var(--vtc-27-serif); }
.vtc-27-entry-list a:hover { background:var(--vtc-27-light); }
.vtc-27-number { font-size:clamp(1.8rem,3vw,2.8rem); color:var(--vtc-27-slate); opacity:.6; }
.vtc-27-home .vtc-27-journal-title { font-family:var(--vtc-27-serif); font-size:clamp(2.3rem,3.5vw,3.5rem); letter-spacing:-.06em; }
.vtc-27-journal a { text-decoration:none; }
.vtc-27-journal .vtc-27-link { text-decoration:underline; }
.vtc-27-lead-article { min-width:0; }
.vtc-27-lead-article img { display:block; width:100%; height:auto; aspect-ratio:5/3; object-fit:cover; margin-bottom:20px; background:var(--vtc-27-stone); }
.vtc-27-lead-article h3 { margin:8px 0; font:400 clamp(1.5rem,2.3vw,2.25rem)/1.15 var(--vtc-27-serif); letter-spacing:-.025em; }
.vtc-27-journal :is(h3,p) { overflow-wrap:anywhere; }
.vtc-27-lead-article .vtc-27-eyebrow, .vtc-27-article-list .vtc-27-eyebrow { font-size:.6rem; letter-spacing:.16em; margin-bottom:10px; }
.vtc-27-article-list article { padding:20px 0; border-bottom:1px solid var(--vtc-27-line); }
.vtc-27-article-list article:first-child { padding-top:0; }
.vtc-27-article-list article:last-child { border-bottom:0; }
.vtc-27-article-list h3 { margin:0; font:400 1.05rem/1.3 var(--vtc-27-serif); }
.vtc-27-meta { margin:10px 0 0; font-size:.75rem; color:var(--vtc-27-secondary); }
.vtc-27-journal-empty { font:400 1.4rem/1.5 var(--vtc-27-serif); max-width:30em; }
.vtc-27-regions h2 { font:400 clamp(1.6rem,2.5vw,2.4rem)/1.2 var(--vtc-27-serif); letter-spacing:-.025em; }
.vtc-27-regions nav { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:4px 20px; align-content:start; }
.vtc-27-regions nav a { display:flex; align-items:center; min-height:38px; text-decoration:none; font:400 .95rem/1.4 var(--vtc-27-serif); }
.vtc-27-regions nav a:hover { text-decoration:underline; }
.vtc-27-editor-content { padding-block:var(--vtc-27-space); }
.vtc-27-header { background:var(--vtc-27-light); box-shadow:none; position:relative; border-bottom:1px solid var(--vtc-27-stone); }
.vtc-27-header .vtc-ed-header__inner { max-width:var(--vtc-27-wrap); padding-inline:var(--vtc-27-gutter); min-height:88px; }
.vtc-27-header .vtc-ed-brand img { height:48px; max-width:135px; }
.vtc-27-header .vtc-ed-nav__link { font-size:.9rem; font-weight:400; }
.vtc-27-header .vtc-ed-header__note { display:none; }
.vtc-27-header .vtc-ed-btn { border-radius:0; box-shadow:none; min-height:48px; background:var(--vtc-27-blue); color:var(--vtc-27-light); }
.vtc-27-header .vtc-ed-dropdown { border-radius:0; box-shadow:none; background:var(--vtc-27-light); }
.vtc-27-header [hidden] { display:none; }
.vtc-27-header .vtc-ed-nav.is-open { background:var(--vtc-27-light); box-shadow:none; }
.vtc-27-header .vtc-27-lookup { border:0; background:var(--vtc-27-light); padding:0 var(--vtc-27-gutter) 8px; text-align:right; font-size:.7rem; color:var(--vtc-27-secondary); }
.vtc-27-lookup > summary { cursor:pointer; min-height:24px; }
.vtc-27-lookup .vtc-ed-lookupbar__inner { padding:16px 0; justify-content:flex-end; text-align:left; }
.vtc-27-header .vtc-ed-contact { color:var(--vtc-27-blue); }
@media (min-width:768px) {
  .vtc-27-hero { grid-template-columns:minmax(0,2.1fr) minmax(0,1fr); gap:40px; }
  .vtc-27-title { font-size:clamp(4rem,8.9vw,9.1rem); }
  .vtc-27-trust { border-left:1px solid var(--vtc-27-line); padding-left:clamp(22px,3vw,48px); margin-bottom:28px; }
  .vtc-27-experts, .vtc-27-entry { grid-template-columns:minmax(0,1fr) minmax(0,1.65fr); gap:40px; }
  .vtc-27-journal { grid-template-columns:minmax(0,.9fr) minmax(0,1.35fr); gap:30px; }
  .vtc-27-article-list { grid-column:2; }
  .vtc-27-regions { grid-template-columns:1fr 1.7fr; }
  .vtc-27-regions nav { grid-template-columns:repeat(3,minmax(0,1fr)); }
}
@media (min-width:1100px) {
  .vtc-27-journal { grid-template-columns:minmax(0,.9fr) minmax(0,1.4fr) minmax(0,.75fr); }
  .vtc-27-article-list { grid-column:auto; }
  .vtc-27-regions nav { grid-template-columns:repeat(4,minmax(0,1fr)); }
}
@media (min-width:1200px) {
  .vtc-27-header .vtc-ed-nav { gap:clamp(20px,3vw,48px); }
  .vtc-27-header .vtc-ed-nav__list { gap:28px; }
  .vtc-27-header .vtc-ed-header__actions { gap:20px; }
  .vtc-27-header .vtc-ed-contact:not(.vtc-ed-contact--mail) { display:none; }
}
@media (max-width:374px) {
  .vtc-27-actions { align-items:stretch; flex-direction:column; }
  .vtc-27-portraits { grid-template-columns:1fr; }
  .vtc-27-expert { display:grid; grid-template-columns:1fr; }
  .vtc-27-entry-list a { grid-template-columns:28px 1fr 16px; gap:10px; }
}
@media (prefers-reduced-motion:reduce) { .vtc-27-home *, .vtc-27-header * { transition:none; scroll-behavior:auto; } }
@media (forced-colors:active) { .vtc-27-title { color:CanvasText; } }


/* verticus-modern design system. Local IBM Plex Sans; no external font request. */
:root {
 --vt-navy:#101f4a; --vt-blue:#3155f4; --vt-blue-hover:#2444d4;
 --vt-text:#101f4a; --vt-text-muted:#59657b; --vt-bg:#fff;
 --vt-bg-soft:#f8f9fc; --vt-bg-blue:#f0f2ff; --vt-border:#e5e8f0;
 --vt-gradient:linear-gradient(135deg,#f5f6ff,#e8ecff);
 --vt-radius-sm:12px; --vt-radius-md:20px; --vt-radius-lg:28px; --vt-container:1240px;
 --vtc-ground:var(--vt-bg); --vtc-surface:var(--vt-bg); --vtc-hero:var(--vt-bg-blue);
 --vtc-tint:var(--vt-bg-soft); --vtc-anchor:var(--vt-navy); --vtc-ink:var(--vt-navy);
 --vtc-ink-body:var(--vt-text); --vtc-ink-2:var(--vt-text-muted); --vtc-ink-3:var(--vt-text-muted);
 --vtc-action:var(--vt-blue); --vtc-action-hover:var(--vt-blue-hover); --vtc-line:var(--vt-border);
 --vtc-eyebrow:var(--vt-text-muted); --vtc-font-display:var(--vtc-font);
 --vtc-27-blue:var(--vt-navy); --vtc-27-ink:var(--vt-blue-hover); --vtc-27-light:#fff;
 --vtc-27-paper:#fff; --vtc-27-line:var(--vt-border); --vtc-27-stone:var(--vt-bg-soft);
 --vtc-27-secondary:var(--vt-text-muted); --vtc-27-slate:var(--vt-text-muted);
 --vtc-27-watermark:var(--vt-navy); --vtc-27-serif:var(--vtc-font);
 --vtc-27-sans:var(--vtc-font); --vtc-27-wrap:var(--vt-container);
 --vtc-27-gutter:clamp(20px,3vw,40px);
}
.vtm-shell { background:var(--vt-bg); color:var(--vt-text); }
.vtc-27-home,.vtc-27-header { --vtc-action:var(--vt-blue); --vtc-radius:var(--vt-radius-md); }
.vtc-27-home em { font-style:normal; color:var(--vt-blue); }
.vtc-27-home h2 { font:600 clamp(2rem,3.2vw,3rem)/1.13 var(--vtc-font); letter-spacing:-.045em; }
.vtc-27-eyebrow { font-size:.72rem; letter-spacing:.16em; font-weight:600; margin-bottom:22px; }
.vtc-27-hero { grid-template-columns:minmax(0,1.08fr) minmax(0,1fr); align-items:center; gap:40px; padding-block:72px 96px; }
.vtc-27-title { font:600 clamp(2.75rem,5.2vw,4.5rem)/1.06 var(--vtc-font); letter-spacing:-.055em; margin-bottom:28px; }
.vtc-27-title em { font-family:inherit; font-weight:600; letter-spacing:inherit; }
.vtc-27-intro { font:400 1.125rem/1.7 var(--vtc-font); max-width:29em; margin-bottom:32px; }
.vtc-27-actions { gap:12px; }
.vtc-27-home .vtc-27-button { border-radius:100px; background:var(--vt-blue); border-color:var(--vt-blue); padding:16px 23px; font-weight:500; gap:14px; }
.vtc-27-home .vtc-27-button--outline { background:#fff; color:var(--vt-navy); border-color:var(--vt-border); }
.vtc-27-home .vtc-27-button:hover { background:var(--vt-blue-hover); color:#fff; opacity:1; }
.vtm-hero-media { padding:12px; background:var(--vt-gradient); border-radius:100px 28px 100px 28px; }
.vtm-hero-media img { display:block; width:100%; aspect-ratio:1.02; height:auto; object-fit:cover; object-position:65% center; border-radius:88px 20px 88px 20px; }
.vtc-27-band { border:0; background:#fff; }
.vtc-27-experts,.vtc-27-journal,.vtc-27-regions { padding-block:72px; gap:48px; }
.vtc-27-experts { grid-template-columns:minmax(0,1fr) minmax(0,1.8fr); }
.vtc-27-section-copy > p:not(.vtc-27-eyebrow) { font:400 1rem/1.75 var(--vtc-font); }
.vtc-27-link { color:var(--vt-blue)!important; font-weight:500; text-decoration:none; gap:12px; }
.vtc-27-portraits { gap:16px; }
.vtc-27-expert { position:relative; border-radius:var(--vt-radius-md); overflow:hidden; background:var(--vt-navy); min-height:320px; isolation:isolate; padding:230px 20px 24px; color:#fff; }
.vtc-27-expert img,.vtc-27-expert .vtc-27-portrait-placeholder { position:absolute; inset:0; z-index:-2; width:100%; height:100%; aspect-ratio:auto; }
.vtc-27-expert::after { content:""; position:absolute; inset:0; background:linear-gradient(0deg,rgba(10,22,52,.94),rgba(10,22,52,0) 80%); z-index:-1; pointer-events:none; }
.vtc-27-expert h3 { font:500 1.1rem/1.25 var(--vtc-font); margin:0 0 8px; color:#fff; }
.vtc-27-expert h3::after { content:"→"; display:grid; place-items:center; width:34px; height:34px; margin-top:14px; border:1px solid #ffffff80; border-radius:50%; }
.vtc-27-expert a::after { content:""; position:absolute; inset:0; }
.vtc-27-expert p { color:#fff; font-size:.75rem; }
.vtc-27-expert:focus-within { outline:3px solid var(--vt-blue); outline-offset:4px; }
.vtc-27-entry { background:var(--vt-gradient); border-radius:var(--vt-radius-lg); padding:52px; width:calc(100% - 40px); max-width:1160px; margin-block:32px; grid-template-columns:minmax(0,1fr) minmax(0,1.65fr); gap:48px; }
.vtc-27-entry-list { display:grid; gap:12px; }
.vtc-27-entry-list a { background:#fff; border:0; border-radius:var(--vt-radius-sm); padding:22px; font:500 1rem/1.5 var(--vtc-font); min-height:84px; grid-template-columns:28px 1fr 20px; gap:16px; }
.vtc-27-entry-list a:hover { background:#fff; box-shadow:0 6px 20px #101f4a0d; transform:translateX(3px); }
.vtc-27-number { font:500 .85rem/1 var(--vtc-font); color:var(--vt-text-muted); opacity:1; }
.vtc-27-journal { grid-template-columns:minmax(0,1fr) minmax(0,1.65fr); align-items:start; }
.vtc-27-home .vtc-27-journal-title { font:600 clamp(2rem,3.2vw,3rem)/1.13 var(--vtc-font); letter-spacing:-.045em; }
.vtc-27-lead-article { overflow:hidden; border:1px solid var(--vt-border); border-radius:var(--vt-radius-lg); padding:0 28px 28px; }
.vtc-27-lead-article img { width:calc(100% + 56px); max-width:none; margin:0 -28px 28px; aspect-ratio:1.8; }
.vtc-27-lead-article h3 { font:600 clamp(1.4rem,2.2vw,2rem)/1.3 var(--vtc-font); }
.vtc-27-lead-article h3 span { color:var(--vt-blue); }
.vtm-excerpt { font-size:1rem; line-height:1.7; color:var(--vt-text-muted); }
.vtc-27-article-list { grid-column:2; display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:24px; }
.vtc-27-article-list article { padding:0 0 24px; border-bottom:1px solid var(--vt-border); }
.vtc-27-article-list h3 { font:500 1.05rem/1.5 var(--vtc-font); }
.vtc-27-regions { border-top:1px solid var(--vt-border); }
.vtc-27-regions h2 { font:600 clamp(1.6rem,2.5vw,2.3rem)/1.2 var(--vtc-font); }
.vtc-27-regions nav a { font-family:var(--vtc-font); padding-block:6px; }
.vtc-27-header .vtc-ed-btn { border-radius:100px; background:var(--vt-blue); }
.vtc-27-header .vtc-ed-btn:hover { background:var(--vt-blue-hover); }
.vtc-27-header .vtc-ed-dropdown { border-radius:var(--vt-radius-md); box-shadow:0 12px 40px #101f4a12; max-height:70vh; overflow-y:auto; }
.vtc-27-header .vtc-ed-header__inner { min-height:96px; }
.vtc-27-header .vtc-ed-nav__link { font-weight:500; }
.vtc-27-home :is(a,button),.vtc-27-expert,.vtc-27-lead-article { transition:background-color 220ms,color 220ms,transform 220ms,box-shadow 220ms; }
.vtc-27-expert:hover,.vtc-27-lead-article:hover { transform:translateY(-4px); }
@media (max-width:1000px) {
 .vtc-27-hero { gap:28px; } .vtc-27-title { font-size:clamp(2.6rem,5.5vw,3.8rem); }
 .vtc-27-experts { grid-template-columns:1fr; } .vtc-27-expert { min-height:360px; padding-top:260px; }
 .vtc-27-entry { padding:36px; gap:28px; }
}
@media (max-width:767px) {
 .vtc-27-hero,.vtc-27-entry,.vtc-27-journal,.vtc-27-regions { grid-template-columns:1fr; }
 .vtc-27-hero { padding-block:40px 48px; gap:36px; } .vtc-27-title { font-size:clamp(2.7rem,9vw,4rem); }
 .vtm-hero-media img { aspect-ratio:1.3; } .vtm-hero-media { border-radius:64px 24px; }
 .vtm-hero-media img { border-radius:54px 16px; }
 .vtc-27-experts,.vtc-27-journal,.vtc-27-regions { padding-block:48px; gap:28px; }
 .vtc-27-portraits { grid-template-columns:repeat(auto-fit,minmax(min(100%,190px),1fr)); }
 .vtc-27-expert { min-height:340px; padding-top:235px; }
 .vtc-27-entry { padding:28px 20px; margin-block:16px; gap:20px; }
 .vtc-27-entry-list a { padding:18px 14px; gap:10px; }
 .vtc-27-article-list { grid-column:auto; grid-template-columns:1fr; }
 .vtc-27-header .vtc-ed-header__inner { min-height:80px; }
}
@media (prefers-reduced-motion:reduce) {
 .vtc-27-home *, .vtc-27-header * { transition:none!important; animation:none!important; }
 .vtc-27-home :is(a,article):hover { transform:none; }
}
@media (forced-colors:active) {
 .vtc-27-expert { border:1px solid CanvasText; }
 .vtc-27-expert::after { background:Canvas; }
 .vtc-27-expert :is(h3,p) { color:CanvasText; }
}

/* Hero certification: retain the complete original seal without cropping. */
.vtm-hero-seal { display:flex; align-items:center; justify-content:center; padding:clamp(28px,5vw,64px); border-radius:var(--vt-radius-lg); min-height:360px; }
.vtm-hero-seal img { width:100%; max-width:380px; height:auto; aspect-ratio:auto; object-fit:contain; border-radius:0; }
@media (min-width:1200px) {
 .vtc-27-header .vtc-ed-nav { gap:24px; }
 .vtc-27-header .vtc-ed-nav__list { gap:22px; }
}
@media (max-width:767px) {
 .vtm-hero-seal { min-height:0; padding:36px 28px; }
 .vtm-hero-seal img { max-width:300px; aspect-ratio:auto; border-radius:0; }
}

/* Separate certification component: never inherit photographic crop/mask rules. */
.vtc-27-hero > .vtm-hero-certification {
 display:grid; place-items:center; min-width:0; padding:clamp(28px,4vw,56px);
 background:var(--vt-gradient); border-radius:var(--vt-radius-lg);
 text-decoration:none; align-self:center;
}
.vtc-27-hero > .vtm-hero-certification > img {
 display:block; width:100%; max-width:400px; height:auto; min-height:0;
 aspect-ratio:1772 / 932; object-fit:contain; object-position:center;
 border-radius:0; margin:0;
}
@media (max-width:767px) {
 .vtc-27-hero > .vtm-hero-certification { padding:28px; }
 .vtc-27-hero > .vtm-hero-certification > img { max-width:320px; }
}