.draft-bar{padding:9px 24px;background:#e9eee1;color:#314831;font-size:13px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:8px}.draft-bar a{font-weight:600}.draft-index{padding:36px 0}.draft-index>.draft-local-note{font-size:13px;line-height:1.6}.draft-index h1{font:clamp(36px,5vw,62px)/1.08 Georgia,serif;max-width:850px}.draft-index>p{max-width:780px;font-size:18px}.draft-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px;margin-top:36px}.draft-card{min-width:0;border:1px solid #d2deca;border-radius:18px;overflow:hidden;display:flex;flex-direction:column;background:white;box-shadow:0 8px 22px #17322905;transition:transform .2s,box-shadow .2s}.draft-card:hover{transform:translateY(-3px);box-shadow:0 10px 25px #17322910}.draft-card img{width:100%;height:auto}.draft-card .copy{padding:24px;display:flex;flex-direction:column;flex:1}.draft-card h2{font:29px/1.13 Georgia,serif;letter-spacing:-.025em;margin:16px 0}.draft-card p{font-size:15px;line-height:1.6}.draft-card .signal{font-size:12px;color:#607057;border-top:1px solid #dbe2d4;margin-top:18px;padding-top:14px}.draft-card a.btn{align-self:flex-start;margin-top:22px}.story-cover.draft-art{align-self:center;min-height:0;background:transparent;border-radius:18px;overflow:visible}.story-cover.draft-art>img{min-height:0;max-height:none;height:auto;aspect-ratio:10/7;object-fit:contain;border-radius:18px}.story-cover.draft-art figcaption{letter-spacing:0;text-transform:none;font-size:12px;padding:12px 0;color:#697862}.article-chapter h3{font-family:Georgia,serif;font-weight:400;font-size:25px;margin:28px 0 12px;line-height:1.25}.article-chapter blockquote{margin:24px 0;padding:22px;border-left:3px solid #6a8759;border-radius:0 14px 14px 0;background:#f3f6ed}.article-chapter table{border-collapse:collapse;width:100%;font-size:15px;line-height:1.55}.article-chapter th,.article-chapter td{padding:13px 16px;vertical-align:top;text-align:left;border-bottom:1px solid #dce4d6}.article-chapter th{background:#eaf0e1;color:#244535}.article-chapter .table-wrap{overflow:auto;border:1px solid #dce4d6;border-radius:14px;margin:24px 0}.article-chapter ul,.article-chapter ol{padding-left:22px;margin:18px 0}.article-chapter li{margin:10px 0;line-height:1.7}.article-composed .article-chapter p{overflow-wrap:anywhere}.article-takeaway p{font-size:18px!important}.draft-footer{background:#213b2e;color:#e3eadd;padding:36px 0;margin-top:50px}.draft-footer .wrap{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;font-size:14px}.draft-local-note{font-size:13px;color:#5c6b5d;margin-top:24px}.draft-count{font-size:13px;color:#55715e}.story-title h1{hyphens:auto;overflow-wrap:anywhere}.table-hint{display:none}@media(max-width:900px){.original-story-hero{grid-template-columns:1fr}.story-cover.draft-art{width:min(100%,640px);margin:auto}.story-title>p{max-width:65ch!important}}@media(max-width:600px){.table-wrap:has(th:nth-child(3))+.table-hint{display:block;font-size:12px!important;margin-top:-12px;color:#52624a}}.reading-nav{max-height:calc(100vh - 130px);overflow:auto}@media(max-width:850px){.draft-grid{grid-template-columns:1fr}.draft-card{display:grid;grid-template-columns:.85fr 1.15fr}.draft-card img{align-self:center}.reading-nav{max-height:none;overflow:visible}.draft-index{padding:30px 0}}@media(max-width:600px){.draft-bar{padding:8px 20px;font-size:12px}.draft-card{display:flex}.draft-index h1{font-size:37px}.draft-card .copy{padding:22px}.article-chapter th,.article-chapter td{padding:11px 10px;font-size:13px}.table-wrap table{min-width:0}.table-wrap:has(th:nth-child(4)) table{min-width:620px}.story-cover.draft-art{display:block}.story-cover.draft-art>img{display:block}.story-title h1{font-size:39px!important}.draft-footer{margin-top:24px}.draft-footer .wrap{display:block}.draft-footer a{display:inline-block;margin:5px 16px 5px 0}.reading-nav{position:static!important}}@media(prefers-reduced-motion:reduce){.draft-card{transition:none}.draft-card:hover{transform:none}}
/* Additional editorial explanations; scoped to the three unpublished drafts. */
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.article-composed .visual-panel:nth-of-type(even){background:#edf3f0}
.article-composed .visual-panel h3{font:400 clamp(24px,2.5vw,32px)/1.18 Georgia,serif;letter-spacing:-.025em;color:#214438;margin:10px 0 22px;max-width:none}
.article-composed .visual-panel h4{font:600 17px/1.35 -apple-system,BlinkMacSystemFont,"Helvetica Neue",Arial,sans-serif;letter-spacing:-.015em;margin:0 0 10px;color:#214438}
.article-composed .visual-panel p{font:15px/1.65 -apple-system,BlinkMacSystemFont,"Helvetica Neue",Arial,sans-serif;max-width:none;margin:10px 0 0}
.article-composed .visual-panel p:first-child{margin-top:0}
.article-composed .visual-label{display:block;font:600 11px/1.5 -apple-system,BlinkMacSystemFont,"Helvetica Neue",Arial,sans-serif;letter-spacing:.12em;text-transform:uppercase;color:#496342;margin-bottom:10px}
.article-composed .visual-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:14px;align-items:stretch;margin:20px 0}
.article-composed .visual-step{min-width:0;padding:20px;border-radius:14px;border:1px solid #d4dfca;background:#fff}
.article-composed .visual-step strong{display:block;color:#264b3b;font-size:17px;line-height:1.3}
.article-composed .visual-step p{font-size:14px;line-height:1.65}
.article-composed .visual-metric{display:block;font:400 clamp(25px,3vw,39px)/1.15 Georgia,serif;letter-spacing:-.025em;color:#214a39;margin:10px 0}
.article-composed .visual-metric small{font:500 14px/1.4 -apple-system,BlinkMacSystemFont,"Helvetica Neue",Arial,sans-serif;letter-spacing:0}
.article-composed .visual-note{display:block;margin:18px 0 0;padding-top:16px;border-top:1px solid #cbd8c2;font:14px/1.65 -apple-system,BlinkMacSystemFont,"Helvetica Neue",Arial,sans-serif;color:#53664d}
.article-composed .visual-panel figure{margin:20px 0 0}
.article-composed .visual-diagram{display:block;width:100%;height:auto;max-width:100%;margin:20px 0 8px;border-radius:12px}
.article-composed .visual-panel figcaption{padding:12px 0 0;font:13px/1.65 -apple-system,BlinkMacSystemFont,"Helvetica Neue",Arial,sans-serif;color:#50644d}
.article-composed .visual-panel ul,.article-composed .visual-panel ol{margin:8px 0 0;padding-left:21px;font-size:14px}
.article-composed .visual-panel li{line-height:1.55;margin:8px 0}
.article-composed .visual-mobile-summary{display:none}
.article-composed .visual-panel .visual-equation{display:flex;gap:12px;align-items:center;justify-content:space-between;flex-wrap:wrap;padding:22px;background:#214839;color:white;border-radius:14px;margin:20px 0}
.article-composed .visual-equation strong,.article-composed .visual-equation .visual-metric{color:white}
@media(min-width:801px){.editorial-rich .reading-nav{scroll-padding-top:44px}.editorial-rich .reading-nav a.current{background:#eef4ef;border-left-color:#527e63}}
@media(max-width:600px){.article-composed .visual-panel{padding:19px 17px;margin:25px 0 8px}.article-composed .visual-grid{grid-template-columns:1fr;gap:12px}.article-composed .visual-step{padding:18px}.article-composed .visual-panel h3{font-size:25px}.article-composed .visual-panel:has(.visual-mobile-summary) .visual-diagram{display:none}.article-composed .visual-mobile-summary{display:block}.article-composed .visual-panel p{font-size:15px;line-height:1.65}.article-composed .visual-metric{font-size:32px}.article-composed .visual-equation{display:block}.article-composed .visual-equation>*{margin:10px 0}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.reading-progress i{transition:none}}
.calculator-related{margin:32px 0;padding:28px 32px;border:1px solid #d4dfcc;border-radius:18px;background:#f0f4ea;color:#284838}.calculator-related h3{font:400 clamp(25px,3vw,36px)/1.18 Georgia,serif;margin:10px 0 16px}.calculator-related p{font-size:17px;line-height:1.65;max-width:75ch}.calculator-related .visual-label{font-size:11px;letter-spacing:.12em;font-weight:600}.calculator-related a{display:inline-block;margin-top:12px}.article-chapter>p strong{font-weight:650;color:#254d3b}

.article-composed .visual-metric>span{display:block;font:500 15px/1.5 -apple-system,BlinkMacSystemFont,"Helvetica Neue",Arial,sans-serif;margin-top:8px}.visual-mobile-summary>.visual-step+.visual-step{margin-top:12px}

/* OPTUM editorial photos v4 */
body.single.single-post .article-composed figure.optum-editorial-photo{margin:30px 0 18px;padding:0;border:0;background:transparent;max-width:100%;}
body.single.single-post .optum-editorial-photo img{display:block;width:100%;height:auto;aspect-ratio:3/2;border-radius:18px;}
body.single.single-post .optum-editorial-photo figcaption{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;padding:10px 0 0;font:400 13px/1.5 -apple-system,BlinkMacSystemFont,"Helvetica Neue",Arial,sans-serif;color:#52645b;}
body.single.single-post .optum-editorial-photo figcaption small{font:inherit;font-size:11px;flex-shrink:0;text-align:right;}
@media(max-width:600px){body.single.single-post .optum-editorial-photo img{border-radius:14px;}body.single.single-post .optum-editorial-photo figcaption{flex-wrap:wrap;}body.single.single-post .optum-editorial-photo figcaption small{margin-left:auto;}}