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0.15s}.cfr-footer-nav li a:hover{color:#c0392b}.cfr-footer-nav li a.cfr-footer-active{color:#06d9fa}.cfr-footer-bottom{max-width:1160px;margin:0 auto;padding:20px;display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:20px}.cfr-footer-disclaimer p{font-size:14px;color:#555;line-height:1.6;margin-bottom:6px;font-family:'Montserrat',sans-serif}.cfr-footer-disclaimer p:last-child{margin-bottom:0}.cfr-footer-disclaimer a{color:#c36;text-decoration:none}.cfr-footer-disclaimer a:hover{text-decoration:underline}.cfr-footer-social{display:flex;align-items:center;gap:16px;justify-content:center}.cfr-footer-social-label{font-size:14px;color:#555;font-weight:500;white-space:nowrap;font-family:'Montserrat',sans-serif}.cfr-footer-social a{color:#c36;text-decoration:none;display:flex;align-items:center;transition:opacity 0.15s}.cfr-footer-social a:hover{opacity:.75}.cfr-footer-social svg{width:20px;height:20px;fill:currentColor}.cfr-footer-copy{font-size:14px;color:#555;text-align:right;font-family:'Montserrat',sans-serif;white-space:nowrap}@media (max-width:768px){.cfr-footer-top{flex-direction:column;align-items:flex-start}.cfr-footer-email-row{max-width:100%;width:100%}.cfr-footer-nav-row{justify-content:flex-start}.cfr-footer-nav{flex-wrap:wrap}.cfr-footer-bottom{grid-template-columns:1fr;gap:16px}.cfr-footer-copy{text-align:left}}.cfr-page-wrap .cfr-btn,.cfr-page-wrap .cfr-btn:visited,.cfr-page-wrap .cfr-btn:link{display:inline-block!important;font-family:'Oswald',sans-serif!important;font-size:0.88rem!important;font-weight:600!important;letter-spacing:0.04em!important;text-transform:uppercase!important;padding:11px 22px!important;border-radius:3px!important;text-decoration:none!important;cursor:pointer!important;white-space:nowrap!important;line-height:1.4!important;border:none!important;box-shadow:none!important;transition:background 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a:hover{color:#c0392b!important;text-decoration:underline!important}.cfr-breadcrumb-sep{color:#ccc!important;font-size:0.7rem!important}.cfr-breadcrumb-current{color:#c0392b!important;font-weight:600!important}.cfr-sp-badge{display:flex!important;align-items:center!important;gap:8px!important;color:#c0392b!important;font-family:'Oswald',sans-serif!important;font-size:0.82rem!important;font-weight:700!important;letter-spacing:0.1em!important;text-transform:uppercase!important;padding:0 0 16px 0!important;margin:0 0 8px 0!important;line-height:1!important}.cfr-sp-share-bar{display:flex!important;align-items:center!important;flex-wrap:wrap!important;gap:8px!important;padding:14px 32px!important;background:#f4f6fa!important;border-bottom:1px solid 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svg{width:13px!important;height:13px!important;flex-shrink:0!important}.cfr-sp-share-btn:hover{opacity:0.85!important}.cfr-sp-share-fb{background:#1877f2!important;color:#fff!important}.cfr-sp-share-x{background:#000!important;color:#fff!important}.cfr-sp-share-li{background:#0a66c2!important;color:#fff!important}.cfr-sp-share-wa{background:#25d366!important;color:#fff!important}.cfr-sp-share-copy{background:#fff!important;color:#333!important;border:1px solid #ccc!important}.cfr-sp-share-copy.cfr-copied{background:#1a2540!important;color:#fff!important;border-color:#1a2540!important}.cfr-summary-block{padding:20px 32px!important;border-bottom:1px solid #e8ecf4!important;background:#fff!important;display:flow-root!important}.cfr-summary-text{font-size:1rem!important;line-height:1.75!important;color:#444!important;margin:0!important;border-left:3px solid 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0!important;margin-bottom:10px!important}.cfr-post-meta{font-size:0.78rem!important;color:#aaa!important;margin:0!important}.cfr-sidebar-heading{background:#1a2540!important;color:#fff!important;font-family:'Oswald',sans-serif!important;font-size:0.82rem!important;font-weight:600!important;text-transform:uppercase!important;letter-spacing:0.08em!important;padding:12px 16px!important;margin:0!important;display:block!important}.cfr-sidebar{gap:16px!important}.cfr-sidebar-widget+.cfr-sidebar-widget{margin-top:8px!important}.cfr-recent-list{list-style:none!important;margin:0!important;padding:0!important}.cfr-recent-item{list-style:none!important}.cfr-recent-item:nth-child(odd) .cfr-recent-link{background:#ffffff!important}.cfr-recent-item:nth-child(even) .cfr-recent-link{background:#eef0f5!important}.cfr-recent-item:nth-child(odd) .cfr-recent-link:hover{background:#d4d5fc!important}.cfr-recent-item:nth-child(even) .cfr-recent-link:hover{background:#d4d5fc!important}.cfr-recent-link{display:block!important;padding:10px 14px!important;text-decoration:none!important}.cfr-recent-title{font-family:'Oswald',sans-serif!important;font-size:0.88rem!important;font-weight:500!important;color:#1a2540!important;line-height:1.3!important;display:block!important}.cfr-recent-meta{font-size:0.72rem!important;color:#888!important;display:block!important;margin-top:2px!important}.cfr-sidebar-cta-heading{background:#1a2540!important;color:#fff!important;font-family:'Oswald',sans-serif!important;font-size:0.82rem!important;font-weight:600!important;text-transform:uppercase!important;letter-spacing:0.08em!important;padding:12px 16px!important;margin:0 0 12px 0!important;display:block!important}.cfr-sidebar-cta{border-top:none!important}.cfr-sidebar-empty{padding:16px!important;font-size:0.85rem!important;color:#aaa!important;margin:0!important}.cfr-page-wrap{max-width:1160px!important;margin:0 auto!important;padding:32px 20px 60px!important;box-sizing:border-box!important}.cfr-layout{display:grid!important;grid-template-columns:1fr 300px!important;gap:32px!important;align-items:start!important;width:100%!important}.cfr-main-col{min-width:0!important}.cfr-review-article{background:#fff!important;border-radius:4px!important;overflow:hidden!important;box-shadow:0 1px 12px rgb(26 37 64 / .07)!important;width:100%!important;box-sizing:border-box!important}.cfr-review-header{padding:32px 32px 28px!important;border-bottom:1px solid #e8ecf4!important;box-sizing:border-box!important}.cfr-review-title{font-family:'Oswald',sans-serif!important;font-size:2rem!important;font-weight:700!important;color:#1a2540!important;line-height:1.2!important;margin:0 0 16px!important}.cfr-sidebar{position:sticky!important;top:24px!important;display:flex!important;flex-direction:column!important;gap:20px!important}.cfr-sidebar-widget{background:#fff!important;border-radius:4px!important;box-shadow:0 1px 12px rgb(26 37 64 / .07)!important;overflow:hidden!important}@media (max-width:1024px){.cfr-layout{grid-template-columns:1fr 260px!important;gap:20px!important}}@media (max-width:768px){.cfr-page-wrap{padding:16px 12px 40px!important}.cfr-page-wrap .cfr-layout{grid-template-columns:1fr!important}.cfr-sidebar{position:static!important}.cfr-review-header,.cfr-summary-block,.cfr-main-body,.cfr-toc-block,.cfr-review-footer{padding-left:16px!important;padding-right:16px!important}.cfr-sp-share-bar{padding-left:16px!important;padding-right:16px!important}.cfr-review-title{font-size:1.4rem!important;word-break:break-word!important}.cfr-sp-featured-image{float:none!important;width:100%!important;max-width:100%!important;margin:0 0 20px 0!important}.cfr-sp-share-btn span{display:none!important}}@media (max-width:480px){.cfr-page-wrap{padding:12px 10px 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svg{width:16px;height:16px;flex-shrink:0}.cfr-sp-report-btn:hover{background:#a93226;color:#fff}.cfr-sp-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:28px;margin-bottom:40px}.cfr-sp-card{background:#fff;border-radius:6px;border:1px solid #e5e5ea;overflow:hidden;display:flex;flex-direction:column;transition:box-shadow .15s}.cfr-sp-card:hover{box-shadow:0 4px 18px rgb(0 0 0 / .09)}.cfr-sp-card-img-link{display:block}.cfr-sp-card-img{width:100%;height:180px;object-fit:cover;display:block}.cfr-sp-card-body{padding:18px 20px 20px;display:flex;flex-direction:column;flex:1}.cfr-sp-card-cats{margin-bottom:8px}.cfr-sp-cat-badge{display:inline-block;background:#c0392b;color:#fff;font-size:10px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;padding:2px 8px;border-radius:3px;text-decoration:none;margin-right:5px}.cfr-sp-cat-badge:hover{background:#a93226;color:#fff}.cfr-sp-card-title{font-family:"Oswald","Arial 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