main,.education-article{background:#fff}.article-hero{background:linear-gradient(135deg,#f9fafb 0%,#fff 100%);border-bottom:1px solid #e5e7eb;padding:60px 0 40px}.article-hero .container{max-width:1200px;margin:0 auto;padding:0 20px}.breadcrumb{color:#6b7280;align-items:center;gap:8px;margin-bottom:24px;font-size:14px;display:flex}.breadcrumb a{color:#1e3a8a;text-decoration:none}.breadcrumb a:hover{text-decoration:underline}.breadcrumb .separator{color:#9ca3af}.breadcrumb .current{color:#6b7280}.article-meta{flex-wrap:wrap;align-items:center;gap:16px;margin-bottom:20px;display:flex}.category-badge{color:#059669;background:#0596691a;border-radius:20px;padding:6px 14px;font-size:13px;font-weight:600}.reading-time,.updated-date{color:#6b7280;font-size:14px}.article-title{font-family:var(--font-display);margin-bottom:16px;font-size:42px;font-weight:800;line-height:1.2;color:#111827!important;background:0 0!important;-webkit-background-clip:unset!important;-webkit-text-fill-color:#111827!important;background-clip:unset!important;text-decoration:none!important}.article-subtitle{color:#4b5563;max-width:800px;margin-bottom:24px;font-size:18px;line-height:1.6}.author-box{align-items:center;gap:14px;display:flex}.author-avatar{object-fit:cover;border-radius:50%;width:52px;height:52px}.author-info{flex-direction:column;gap:2px;display:flex}.author-name{color:#172554;font-size:15px;font-weight:600}.author-title{color:#6b7280;font-size:13px}.article-content{padding:60px 0}.article-content .container{max-width:1200px;margin:0 auto;padding:0 20px}.content-wrapper{grid-template-columns:1fr 320px;gap:60px;display:grid}.main-content{min-width:0}.key-takeaways{background:linear-gradient(135deg,#1e3a8a0d 0%,#0596690d 100%);border:1px solid #e5e7eb;border-left:4px solid #059669;border-radius:12px;margin-bottom:40px;padding:28px}.key-takeaways h2{font-family:var(--font-display);color:#111827;margin:0 0 16px;font-size:20px;font-weight:700}.key-takeaways ul{margin:0;padding-left:20px}.key-takeaways li{color:#4b5563;margin-bottom:10px;font-size:15px;line-height:1.6}.key-takeaways li:last-child{margin-bottom:0}.content-section{margin-bottom:48px}.content-section h2{font-family:var(--font-display);color:#111827;margin:0 0 20px;font-size:28px;font-weight:700;line-height:1.3}.content-section h3{font-family:var(--font-display);color:#111827;margin:32px 0 16px;font-size:22px;font-weight:600}.content-section h4{color:#111827;margin:24px 0 12px;font-size:18px;font-weight:600}.content-section p{color:#4b5563;margin-bottom:16px;font-size:16px;line-height:1.7}.content-section ul,.content-section ol{margin:16px 0;padding-left:24px}.content-section li{color:#4b5563;margin-bottom:10px;font-size:16px;line-height:1.7}.content-section strong{color:#111827;font-weight:600}.info-box{background:#f9fafb;border:1px solid #e5e7eb;border-radius:12px;margin:24px 0;padding:24px}.info-box h4{color:#1e3a8a;margin:0 0 12px;font-size:17px}.info-box ul{margin:0;padding-left:20px}.info-box li{margin-bottom:8px}.impact-box{background:linear-gradient(135deg,#1e3a8a 0%,#059669 100%);border-radius:12px;grid-template-columns:repeat(3,1fr);gap:16px;margin:24px 0;padding:24px;display:grid}.impact-stat{text-align:center;color:#fff}.impact-stat .stat-value{margin-bottom:4px;font-size:28px;font-weight:800;display:block}.impact-stat .stat-label{opacity:.9;font-size:13px}.case-study-box{background:#0596690d;border:1px solid #059669;border-radius:12px;margin:24px 0;padding:24px}.case-study-box h4{color:#059669;margin:0 0 12px;font-size:17px}.case-study-box p{margin:0;font-size:15px;line-height:1.6}.example-box{background:#f3f4f6;border-radius:12px;margin:24px 0;padding:24px;font-family:monospace}.example-box h4{font-family:var(--font-display);color:#111827;margin:0 0 16px;font-size:16px}.example-box p{margin:8px 0;font-size:14px;line-height:1.5}.timeline-grid{grid-template-columns:repeat(3,1fr);gap:20px;margin:32px 0;display:grid}.timeline-card{background:#fff;border:1px solid #e5e7eb;border-radius:12px;padding:24px;transition:transform .2s,box-shadow .2s}.timeline-card:hover{transform:translateY(-4px);box-shadow:0 10px 30px #00000014}.timeline-card h3{color:#111827;margin:0 0 8px;font-size:18px;font-weight:700}.timeline-gains{color:#059669;margin-bottom:16px;font-size:14px;font-weight:600}.timeline-card ul{margin:0;padding-left:18px}.timeline-card li{margin-bottom:6px;font-size:14px;line-height:1.5}.case-study-grid{grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;display:grid}.case-study-card{background:#fff;border:1px solid #e5e7eb;border-radius:12px;padding:24px}.case-study-card h4{color:#1e3a8a;margin:0 0 16px;font-size:18px;font-weight:700}.case-study-stats{gap:12px;margin-bottom:16px;display:flex}.case-study-stats .stat{text-align:center;background:#f9fafb;border-radius:8px;flex:1;padding:12px 8px}.case-study-stats .label{color:#6b7280;margin-bottom:4px;font-size:11px;display:block}.case-study-stats .value{font-size:18px;font-weight:700;display:block}.case-study-stats .value.poor{color:#dc2626}.case-study-stats .value.average{color:#f59e0b}.case-study-stats .value.excellent{color:#059669}.case-study-card p{margin:8px 0;font-size:14px;line-height:1.5}.mistakes-grid{grid-template-columns:repeat(2,1fr);gap:20px;margin:24px 0;display:grid}.mistake-card{background:#fef3c7;border:1px solid #f59e0b;border-radius:12px;padding:20px}.mistake-card h4{color:#b45309;margin:0 0 12px;font-size:16px}.mistake-card p{margin:8px 0;font-size:14px;line-height:1.5}.comparison-box{background:#f9fafb;border:1px solid #e5e7eb;border-radius:12px;margin:24px 0;padding:28px}.comparison-box h4{color:#111827;margin:0 0 20px;font-size:18px}.comparison-grid{grid-template-columns:repeat(2,1fr);gap:16px;display:grid}.comparison-item{background:#fff;border:1px solid #e5e7eb;border-radius:8px;flex-direction:column;gap:4px;padding:16px;display:flex}.comparison-item .label{color:#6b7280;font-size:13px}.comparison-item .value{color:#059669;font-size:15px;font-weight:600}.action-plan{margin:32px 0}.action-phase{background:#fff;border:1px solid #e5e7eb;border-radius:12px;margin-bottom:20px;padding:28px}.action-phase h3{color:#1e3a8a;margin:0 0 16px;font-size:18px;font-weight:700}.action-phase ol{margin:0;padding-left:24px}.action-phase li{margin-bottom:10px;font-size:15px;line-height:1.6}.faq-section{background:#f9fafb;border-radius:12px;margin:40px 0;padding:40px}.faq-section h2{text-align:center;margin-bottom:32px;font-size:24px}.faq-list{max-width:800px;margin:0 auto}.faq-item{background:#fff;border:1px solid #e5e7eb;border-radius:8px;margin-bottom:12px;overflow:hidden}.faq-item summary{color:#111827;cursor:pointer;justify-content:space-between;align-items:center;padding:20px;font-size:16px;font-weight:600;list-style:none;display:flex}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";color:#059669;font-size:24px;font-weight:400}.faq-item[open] summary:after{content:"−"}.faq-item p{color:#4b5563;margin:0;padding:0 20px 20px;font-size:15px;line-height:1.6}.cta-section{margin:48px 0}.cta-box{text-align:center;color:#fff;background:linear-gradient(135deg,#1e3a8a 0%,#059669 100%);border-radius:16px;padding:48px}.cta-box h2{color:#fff;margin:0 0 16px;font-size:28px;font-weight:700}.cta-box p{opacity:.95;color:#fff;margin-bottom:16px;font-size:16px;line-height:1.6}.cta-buttons{flex-wrap:wrap;justify-content:center;gap:16px;margin-top:24px;display:flex}.btn{border-radius:8px;padding:14px 28px;font-size:16px;font-weight:600;text-decoration:none;transition:all .3s;display:inline-block}.btn-primary{color:#1e3a8a;background:#fff}.btn-primary:hover{background:#f3f4f6;transform:translateY(-2px)}.btn-secondary{color:#fff;background:0 0;border:2px solid #fff}.btn-secondary:hover{background:#ffffff1a}.related-articles{margin:48px 0}.related-articles h2{margin-bottom:24px;font-size:24px}.related-grid{grid-template-columns:repeat(2,1fr);gap:20px;display:grid}.related-card{background:#fff;border:1px solid #e5e7eb;border-radius:12px;padding:24px;text-decoration:none;transition:all .2s}.related-card:hover{border-color:#1e3a8a;transform:translateY(-4px);box-shadow:0 8px 24px #00000014}.related-card h4{color:#111827;margin:0 0 8px;font-size:17px;font-weight:600}.related-card p{color:#6b7280;margin:0;font-size:14px;line-height:1.5}.disclaimer{background:#f9fafb;border-radius:8px;margin-top:40px;padding:20px}.disclaimer p{color:#6b7280;margin:0;font-size:13px;line-height:1.6}.sidebar{align-self:start;position:sticky;top:100px}.sidebar-cta{color:#fff;text-align:center;background:linear-gradient(135deg,#1e3a8a 0%,#059669 100%);border-radius:12px;margin-bottom:24px;padding:28px}.sidebar-cta h3{color:#fff;margin:0 0 12px;font-size:20px;font-weight:700}.sidebar-cta p{opacity:.95;color:#fff;margin-bottom:20px;font-size:14px;line-height:1.5}.sidebar-cta .btn{text-align:center;margin-bottom:12px;display:block}.sidebar-cta .btn-outline{color:#fff;background:0 0;border:2px solid #fff}.sidebar-box{background:#fff;border:1px solid #e5e7eb;border-radius:12px;margin-bottom:24px;padding:24px}.sidebar-box h4{color:#111827;margin:0 0 16px;font-size:16px;font-weight:700}.stat-highlight{text-align:center;margin-bottom:12px}.big-stat{color:#059669;font-size:48px;font-weight:800;line-height:1;display:block}.stat-desc{color:#6b7280;margin-top:4px;font-size:14px;display:block}.sidebar-box p{color:#4b5563;margin:0;font-size:14px;line-height:1.5}.quick-links{margin:0;padding:0;list-style:none}.quick-links li{margin-bottom:10px}.quick-links a{color:#4b5563;font-size:14px;text-decoration:none;transition:color .2s}.quick-links a:hover{color:#1e3a8a}.trust-badges{flex-direction:column;gap:12px;display:flex}.trust-badge{background:#f9fafb;border-radius:8px;align-items:center;gap:12px;padding:12px 16px;display:flex}.badge-icon{font-size:24px}.badge-text{color:#4b5563;font-size:13px;line-height:1.3}@media (max-width:1024px){.content-wrapper{grid-template-columns:1fr}.sidebar{grid-template-columns:repeat(2,1fr);gap:20px;display:grid;position:static}.sidebar-cta{grid-column:span 2}.timeline-grid,.case-study-grid{grid-template-columns:1fr}}@media (max-width:768px){.article-hero{padding:40px 0 30px}.article-title{font-size:28px}.article-subtitle{font-size:16px}.content-section h2{font-size:22px}.content-section h3{font-size:18px}.impact-box{grid-template-columns:1fr;gap:12px}.impact-stat{text-align:left;justify-content:space-between;align-items:center;display:flex}.impact-stat .stat-value{font-size:22px}.mistakes-grid,.comparison-grid,.related-grid,.sidebar{grid-template-columns:1fr}.sidebar-cta{grid-column:span 1}.cta-box{padding:32px 20px}.cta-box h2{font-size:22px}.faq-section{padding:24px}.article-meta{flex-direction:column;align-items:flex-start;gap:12px}}.dispute-types-grid{grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;display:grid}.dispute-type-card{background:#fff;border:1px solid #e5e7eb;border-radius:12px;padding:24px}.dispute-type-card h3{color:#1e3a8a;margin:0 0 16px;font-size:18px;font-weight:700}.dispute-type-card ul{margin:0;padding-left:18px}.dispute-type-card li{margin-bottom:8px;font-size:14px;line-height:1.5}.dispute-type-card.highlight-card{background:linear-gradient(135deg,#0596690d 0%,#0596691a 100%);border-color:#059669;grid-column:span 2}.dispute-type-card.highlight-card h3{color:#059669}.process-timeline{margin:32px 0}.process-phase{background:#fff;border:1px solid #e5e7eb;border-left:4px solid #1e3a8a;border-radius:12px;margin-bottom:20px;padding:28px;position:relative}.process-phase:nth-child(2){border-left-color:#059669}.process-phase:nth-child(3){border-left-color:#f59e0b}.process-phase:nth-child(4){border-left-color:#8b5cf6}.phase-header{align-items:center;gap:16px;margin-bottom:16px;display:flex}.phase-number{color:#fff;background:#1e3a8a;border-radius:20px;padding:6px 12px;font-size:12px;font-weight:600}.process-phase:nth-child(2) .phase-number{background:#059669}.process-phase:nth-child(3) .phase-number{background:#f59e0b}.process-phase:nth-child(4) .phase-number{background:#8b5cf6}.phase-header h3{color:#111827;margin:0;font-size:18px;font-weight:700}.process-phase ol{margin:0;padding-left:24px}.process-phase li{margin-bottom:8px;font-size:15px;line-height:1.6}@media (max-width:768px){.dispute-types-grid{grid-template-columns:1fr}.dispute-type-card.highlight-card{grid-column:span 1}.phase-header{flex-direction:column;align-items:flex-start;gap:8px}}.question-card-grid{grid-template-columns:repeat(3,1fr);gap:20px;margin:24px 0;display:grid}.question-card{background:var(--gray-50);border-left:4px solid var(--primary-blue);border-radius:12px;padding:24px}.question-card h4{color:var(--gray-900);margin-bottom:12px;font-size:16px;font-weight:600;line-height:1.4}.question-card p{color:var(--gray-600);margin-bottom:8px;font-size:14px;line-height:1.6}.question-card .red-flag{color:#dc2626;background:#fef2f2;border-radius:6px;margin-top:12px;padding:8px 12px;font-size:13px}.question-card .green-flag{color:#059669;background:#ecfdf5;border-radius:6px;margin-top:12px;padding:8px 12px;font-size:13px}.red-flags-grid{grid-template-columns:repeat(3,1fr);gap:20px;margin:24px 0;display:grid}.red-flag-card{text-align:center;background:#fef2f2;border:1px solid #fecaca;border-radius:12px;padding:24px}.red-flag-card .flag-icon{margin-bottom:12px;font-size:32px;display:block}.red-flag-card h4{color:#991b1b;margin-bottom:8px;font-size:15px;font-weight:600}.red-flag-card p{color:#7f1d1d;font-size:13px;line-height:1.5}.situation-cards{grid-template-columns:repeat(2,1fr);gap:20px;margin:24px 0;display:grid}.situation-card{background:var(--white);border:1px solid var(--gray-200);border-radius:12px;padding:24px}.situation-card h3{color:var(--gray-900);border-bottom:2px solid var(--primary-blue);margin-bottom:16px;padding-bottom:12px;font-size:18px;font-weight:600}.situation-card ul{padding:0;list-style:none}.situation-card li{color:var(--gray-700);margin-bottom:12px;padding-left:20px;font-size:14px;line-height:1.6;position:relative}.situation-card li:before{content:"→";color:var(--accent-green);position:absolute;left:0}.checklist-box{background:var(--gray-50);border-radius:12px;margin:24px 0;padding:24px 24px 24px 48px}.checklist-box ol{margin:0;padding-left:0}.checklist-box li{color:var(--gray-700);margin-bottom:8px;font-size:15px;line-height:1.6}.indicators-grid{grid-template-columns:repeat(2,1fr);gap:24px;margin:32px 0;display:grid}.indicator-card{border-radius:16px;padding:28px}.indicator-card.green{background:#ecfdf5;border:2px solid #059669}.indicator-card.red{background:#fef2f2;border:2px solid #dc2626}.indicator-card h4{margin-bottom:16px;font-size:18px;font-weight:700}.indicator-card.green h4{color:#047857}.indicator-card.red h4{color:#b91c1c}.indicator-card ul{margin:0;padding:0;list-style:none}.indicator-card li{margin-bottom:8px;padding-left:24px;font-size:14px;line-height:1.6;position:relative}.indicator-card.green li{color:#065f46}.indicator-card.green li:before{content:"✓";color:#059669;font-weight:700;position:absolute;left:0}.indicator-card.red li{color:#7f1d1d}.indicator-card.red li:before{content:"✗";color:#dc2626;font-weight:700;position:absolute;left:0}.credentials-list{margin:0 0 20px;padding:0;list-style:none}.credentials-list li{color:var(--gray-700);border-bottom:1px solid var(--gray-200);flex-direction:column;gap:2px;padding:10px 0;font-size:14px;display:flex}.credentials-list li:last-child{border-bottom:none}.cred-label{color:var(--gray-500);text-transform:uppercase;letter-spacing:.5px;font-size:12px;font-weight:600}.cred-value{color:var(--gray-900);font-size:15px;font-weight:700}.credentials-box{background:var(--white);border:2px solid var(--primary-blue)}.credentials-box h4{color:var(--primary-blue);margin-bottom:12px;font-size:16px}.sidebar-cta-text{color:#ffffffe6;margin-bottom:16px;font-size:14px;line-height:1.5}.verify-link{background:var(--primary-blue);color:var(--white);border-radius:8px;padding:10px 16px;font-size:13px;font-weight:600;text-decoration:none;transition:background .2s;display:inline-block}.verify-link:hover{background:#1e40af}@media (max-width:1024px){.question-card-grid,.red-flags-grid{grid-template-columns:repeat(2,1fr)}}@media (max-width:768px){.question-card-grid,.red-flags-grid,.situation-cards,.indicators-grid{grid-template-columns:1fr}}