.hec-article{--navy:#00247D;--navy-dk:#001A5C;--navy-lt:#1F4BB0;--gold:#F5B82E;--gold-dk:#B07A0C;--ink:#1A1D21;--body:#2B3340;--grey:#5C6672;--line:#D9E1EF;--cardline:#AFC0E3;--pale:#E7EDF9;--card:#F3F6FC;--wash:#F8FAFE;--white:#fff;
  --display:'Playfair Display',Georgia,serif;--sans:'Poppins',system-ui,-apple-system,'Segoe UI',sans-serif;
  --shadow:0 1px 3px rgba(0,36,125,.07),0 10px 30px rgba(0,36,125,.06);
  box-sizing:border-box;font-family:var(--sans);color:var(--body);line-height:1.7;-webkit-font-smoothing:antialiased;background:var(--white);font-size:16px}
.hec-article *,.hec-article *::before,.hec-article *::after{box-sizing:border-box}
.hec-article a{color:var(--navy);text-decoration:none}
.hec-article a:hover{text-decoration:underline}
.hec-article .wrap{max-width:760px;margin:0 auto;padding:0 20px}
.hec-article .crumbs{border-bottom:1px solid var(--line);background:var(--card)}
.hec-article .crumbs ol{max-width:760px;margin:0 auto;padding:11px 20px;list-style:none;display:flex;flex-wrap:wrap;gap:.35rem .5rem;align-items:center;font-size:.82rem;color:var(--grey)}
.hec-article .crumbs a{color:var(--grey);font-weight:500;display:inline-block;padding:5px 0}
.hec-article .crumbs a:hover{color:var(--navy)}
.hec-article .crumbs li[aria-current]{color:var(--ink);font-weight:600}
.hec-article .crumbs .sep{color:var(--cardline)}
.hec-article .head{padding:40px 0 6px}
.hec-article .eyebrow{font-size:.76rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-dk);margin:0 0 12px}
.hec-article h1{font-family:var(--display);font-weight:700;color:var(--navy);font-size:clamp(1.85rem,3.6vw,2.55rem);line-height:1.14;letter-spacing:-.01em;margin:0 0 16px}
.hec-article .meta{display:flex;flex-wrap:wrap;gap:6px 14px;align-items:center;font-size:.85rem;color:var(--grey);margin-bottom:6px}
.hec-article .meta .by{color:var(--ink);font-weight:600}
.hec-article .meta .by a{color:var(--ink);display:inline-block;padding:4px 0}
.hec-article .meta .dot{color:var(--cardline)}
.hec-article .lead{font-size:1.14rem;line-height:1.6;color:var(--ink);margin:18px 0 8px}
.hec-article .takeaways{background:var(--pale);border:1px solid var(--cardline);border-left:5px solid var(--navy);border-radius:0 12px 12px 0;padding:20px 24px;margin:26px auto}
.hec-article .takeaways h2{font-family:var(--sans);font-size:.76rem;letter-spacing:.1em;text-transform:uppercase;color:var(--navy);margin:0 0 12px;font-weight:700}
.hec-article .takeaways ul{margin:0;padding-left:20px}
.hec-article .takeaways li{margin:0 0 8px}
.hec-article .takeaways li:last-child{margin-bottom:0}
.hec-article .toc{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin:0 auto 26px}
.hec-article .toc p{font-size:.76rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-dk);font-weight:700;margin:0 0 8px}
.hec-article .toc ol{margin:0;padding-left:20px;columns:2;column-gap:28px;font-size:.93rem}
.hec-article .toc li{margin:0 0 6px;break-inside:avoid}
.hec-article .toc a{display:inline-block;padding:3px 0;color:var(--navy);font-weight:500}
.hec-article h2{font-family:var(--display);font-weight:600;color:var(--navy);font-size:1.55rem;line-height:1.2;margin:36px 0 12px;scroll-margin-top:90px}
.hec-article h3{font-family:var(--sans);font-weight:700;color:var(--ink);font-size:1.1rem;margin:24px 0 8px}
.hec-article p{margin:0 0 16px}
.hec-article ul,.hec-article ol{margin:0 0 16px;padding-left:22px}
.hec-article li{margin:0 0 8px}
.hec-article .note{background:var(--wash);border:1px solid var(--line);border-left:5px solid var(--gold);border-radius:0 10px 10px 0;padding:16px 20px;margin:22px 0;font-size:.96rem}
.hec-article .note p{margin:0}
.hec-article .note .note-h{display:block;font-weight:700;color:var(--ink);margin-bottom:5px;font-size:.95rem}
.hec-article .note.wb{border-left-color:var(--navy);background:var(--pale)}
.hec-article .note.law{border-left-color:var(--navy-lt);background:var(--pale)}
.hec-article .note.law ul{margin:8px 0 0;padding-left:20px}
.hec-article .courses{margin:30px auto}
.hec-article .courses > h2{margin-bottom:6px}
.hec-article .courses .intro{font-size:.95rem;color:var(--grey);margin:0 0 16px}
.hec-article .course{display:flex;align-items:center;gap:14px;background:#fff;border:1px solid var(--cardline);border-radius:12px;padding:15px 18px;margin-bottom:10px;transition:transform .15s ease,box-shadow .15s ease,border-color .15s ease}
.hec-article .course:hover{transform:translateY(-2px);box-shadow:var(--shadow);border-color:var(--navy);text-decoration:none}
.hec-article .course-tag{flex:0 0 auto;font-size:.76rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--navy);background:var(--pale);border-radius:999px;padding:5px 11px}
.hec-article .course-name{flex:1 1 auto;font-weight:600;color:var(--ink);line-height:1.3}
.hec-article .course-arr{flex:0 0 auto;color:var(--navy-lt);display:flex}
.hec-article .course-arr svg,.hec-article .sib svg{width:18px;height:18px}
.hec-article .cta{background:linear-gradient(140deg,var(--navy-dk),var(--navy-lt));color:#fff;border-radius:14px;padding:26px 24px;margin:30px auto;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px}
.hec-article .cta h2{color:#fff;font-size:1.3rem;margin:0 0 6px}
.hec-article .cta p{color:#C9D6EF;margin:0;font-size:.95rem;max-width:52ch}
.hec-article .cta .btns{display:flex;flex-wrap:wrap;gap:10px}
.hec-article .btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:8px;padding:13px 20px;font-weight:700;font-size:15px;text-decoration:none;line-height:1.2;min-height:48px;background:var(--gold);color:var(--ink);border:1px solid var(--gold)}
.hec-article .btn:hover{background:#F8D27A;text-decoration:none}
.hec-article .btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}
.hec-article .btn.ghost:hover{background:rgba(255,255,255,.08)}
.hec-article .siblings{border-top:1px solid var(--line);margin-top:36px;padding-top:26px}
.hec-article .siblings h2{font-size:1.3rem;margin:0 0 14px}
.hec-article .sib{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:13px 16px;border:1px solid var(--cardline);border-radius:10px;margin-bottom:10px;font-weight:600;color:var(--ink);min-height:48px}
.hec-article .sib:hover{background:var(--pale);text-decoration:none}
.hec-article .sib svg{color:var(--navy-lt);flex:0 0 auto}
.hec-article .sources{margin-top:36px}
.hec-article .sources h2{font-size:1.3rem;margin:0 0 6px}
.hec-article .sources .intro{font-size:.93rem;color:var(--grey);margin:0 0 12px}
.hec-article .sources ul{list-style:none;padding:0;margin:0}
.hec-article .sources li{padding:8px 0;border-bottom:1px solid var(--line);font-size:.95rem}
.hec-article .sources li a{display:inline-block;padding:4px 0;font-weight:500}
.hec-article .sources li small{display:block;color:var(--grey);font-size:.82rem;word-break:break-all}
.hec-article .faq{margin-top:36px}
.hec-article .faq > h2{margin-bottom:10px}
.hec-article .faq-item{border-bottom:1px solid var(--line);padding:16px 0}
.hec-article .faq-item:first-of-type{border-top:1px solid var(--line)}
.hec-article .faq-item h3{margin:0 0 6px;color:var(--navy);font-size:1.05rem}
.hec-article .faq-item p{margin:0}
.hec-article .author{display:flex;gap:16px;align-items:flex-start;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px 22px;margin:34px 0 0}
.hec-article .author .av{flex:0 0 auto;width:52px;height:52px;border-radius:50%;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-family:var(--display);font-size:1.2rem;font-weight:700}
.hec-article .author .who{font-weight:700;color:var(--ink);margin:0}
.hec-article .author .cred{font-size:.86rem;color:var(--grey);margin:2px 0 0}
.hec-article .author .bio{font-size:.9rem;margin:8px 0 0}
.hec-article .author .bio a{display:inline-block;padding:4px 0;font-weight:600}
.hec-article .disclaimer{margin:28px 0 56px;padding:16px 20px;background:var(--wash);border:1px solid var(--line);border-radius:10px;font-size:.82rem;color:var(--grey);line-height:1.55}
.hec-article p a:not(.btn),.hec-article li a:not(.btn),.hec-article .note a,.hec-article small a{padding-top:4px;padding-bottom:4px}
.hec-article a:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:4px}
@media (prefers-reduced-motion:reduce){.hec-article *{transition:none!important}}
@media (max-width:640px){.hec-article .head{padding-top:30px}.hec-article .toc ol{columns:1}.hec-article .cta{padding:22px 18px}.hec-article .btn{width:100%}.hec-article .course{padding:13px 14px}.hec-article .course-tag{display:none}}


.hec-article .lesson{border:1px solid var(--line);border-radius:14px;padding:22px 24px 8px;margin:0 0 22px;background:var(--white);box-shadow:var(--shadow)}
.hec-article .lesson-k{display:flex;flex-wrap:wrap;gap:8px 14px;align-items:center;font-size:.78rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-dk);margin:0 0 6px}
.hec-article .lesson-k .min{color:var(--grey);letter-spacing:.04em;text-transform:none;font-weight:500}
.hec-article .lesson h2{margin-top:0}
.hec-article .free-badges{display:flex;flex-wrap:wrap;gap:8px;margin:4px 0 6px;padding:0;list-style:none}
.hec-article .free-badges li{font-size:.82rem;font-weight:600;color:var(--navy);background:var(--pale);border:1px solid var(--cardline);border-radius:100px;padding:5px 12px}
.hec-article .plan{counter-reset:p;list-style:none;padding:0;margin:0 0 26px;display:grid;gap:8px}
.hec-article .plan li{counter-increment:p;display:grid;grid-template-columns:30px minmax(0,1fr) auto;gap:12px;align-items:center;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:10px 14px}
.hec-article .plan li::before{content:counter(p);display:grid;place-items:center;width:28px;height:28px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;font-size:.85rem}
.hec-article .plan a{font-weight:600}
.hec-article .plan .min{font-size:.85rem;color:var(--grey);white-space:nowrap}
.hec-article .q{border-top:1px solid var(--line);padding:16px 0}
.hec-article .q:first-of-type{border-top:0}
.hec-article .q p.qt{font-weight:600;color:var(--ink);margin:0 0 10px}
.hec-article .q .opts{display:grid;gap:8px}
.hec-article .q button{font:inherit;text-align:left;background:var(--white);border:1px solid var(--cardline);border-radius:10px;padding:10px 14px;cursor:pointer;color:var(--ink)}
.hec-article .q button:hover{border-color:var(--navy)}
.hec-article .q button:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.hec-article .q button.right{background:var(--pale);border-color:var(--navy);font-weight:600}
.hec-article .q button.wrong{background:#FBEDEA;border-color:#C2553F}
.hec-article .q .why{margin:10px 0 0;font-size:.95rem;color:var(--body)}
.hec-article .finder{background:var(--navy);color:#fff;border-radius:14px;padding:22px 24px;margin:0 0 26px}
.hec-article .finder h2{color:var(--gold);margin-top:0}
.hec-article .finder label{display:block;font-weight:600;margin:0 0 8px}
.hec-article .finder select{font:inherit;width:100%;max-width:480px;padding:10px 12px;border-radius:8px;border:0;color:var(--ink);background:#fff}
.hec-article .finder .out{margin:14px 0 0;min-height:1.6em}
.hec-article .finder .out a{color:var(--gold);font-weight:600;text-decoration:underline}
.hec-article .head.wrap{padding-left:20px;padding-right:20px}
@media (max-width:560px){.hec-article .lesson{padding:18px 16px 4px}.hec-article .plan li{gap:10px;padding:9px 12px}.hec-article .plan .min{font-size:.8rem}.hec-article .head h1{font-size:1.85rem;line-height:1.2}.hec-article .lead{font-size:1.02rem}}