.m5-page{background:#f7f7f4;color:#18202b;padding:0 32px 90px}.m5-story{font:21px/1.7 "Source Serif 4",Georgia,serif}.m5-story *{box-sizing:border-box;min-width:0}.m5-wide,.m5-crumb{max-width:1160px;margin-inline:auto}.m5-prose{max-width:760px;margin-inline:auto}.m5-crumb{padding:26px 0;font:14px/1.6 Manrope,sans-serif}.m5-story a,.m5-crumb a{color:#2454c6;text-underline-offset:5px}.m5-story h1,.m5-story h2,.m5-story h3{font-family:Manrope,sans-serif;letter-spacing:-.04em;line-height:1.2;font-weight:650;margin:0 0 24px}.m5-story h1{font-size:clamp(38px,4.5vw,64px);max-width:1070px}.m5-story h1 em{font-style:normal;color:#2454c6}.m5-story h2{font-size:38px}.m5-story h3{font-size:24px}.m5-story p{margin:0 0 22px}.m5-story>section,.m5-story>aside{margin-top:85px}.m5-story figure{margin:0}.m5-story [id]{scroll-margin-top:100px}.m5-story .m5-kicker{font:650 15px/1.6 Manrope,sans-serif;text-transform:uppercase;letter-spacing:.1em;color:#46515d}.m5-hero{border-top:3px solid #2454c6;padding-top:30px}.m5-hero-bottom{display:grid;grid-template-columns:3fr 1fr;gap:65px;margin:36px 0}.m5-story .m5-lead{font-size:26px;line-height:1.55}.m5-story .m5-byline{font:650 16px/1.6 Manrope,sans-serif;padding-top:8px}.m5-byline span{display:block;font-weight:400;margin-top:10px;color:#46515d}.m5-conflict{display:grid;grid-template-columns:1fr 100px 1fr;align-items:center;background:#173b8f;color:white;padding:30px 42px;font:18px/1.6 Manrope,sans-serif}.m5-conflict strong{font-size:27px}.m5-versus{text-align:center;font-size:55px;color:#f5d098}.m5-index{display:flex;flex-wrap:wrap;gap:18px 32px;border-bottom:1px solid #d9dcd8;padding:25px 0;font:600 15px/1.6 Manrope,sans-serif}.m5-section-head{max-width:830px;margin-bottom:35px}.m5-decision{display:grid;grid-template-columns:1fr 1fr;gap:0 48px;font-family:Manrope,sans-serif}.m5-root{grid-column:1/-1;border-block:1px solid #18202b;padding:22px 0;font-weight:650;text-align:center}.m5-branch{border-top:5px solid #2454c6;margin-top:30px;padding:30px 0}.m5-decision p{font-size:18px;line-height:1.65}.m5-decision strong{font-size:20px;color:#173b8f}.m5-bridge{grid-column:1/-1;background:#eaf0ff;border-left:5px solid #c68a3a;padding:30px 36px}.m5-stack{border-top:2px solid #18202b}.m5-stack>div{display:grid;grid-template-columns:250px 1fr;gap:35px;padding:24px 0;border-bottom:1px solid #d9dcd8}.m5-stack span{font:650 21px/1.5 Manrope,sans-serif;color:#173b8f}.m5-stack p{margin:0}.m5-story figcaption{font:16px/1.65 Manrope,sans-serif;color:#46515d;margin-top:20px}.m5-note{border-left:4px solid #c68a3a;padding:20px 25px;background:#f0eee5;margin:30px 0}.m5-note p{font:17px/1.65 Manrope,sans-serif;margin:0}.m5-people{display:grid;grid-template-columns:1fr 1fr;gap:55px;border-block:1px solid #d9dcd8;padding:32px 0}.m5-people p{font-size:20px}.m5-hybrid{display:grid;grid-template-columns:1fr 1fr;gap:0 40px}.m5-hybrid>div{border-top:5px solid #2454c6;padding:25px 0}.m5-hybrid>div+div{border-color:#c68a3a}.m5-hybrid ul{padding-left:24px}.m5-hybrid li{margin:10px 0}.m5-hybrid figcaption{grid-column:1/-1}.m5-author{border-top:1px solid #d9dcd8;padding-top:30px}.m5-author h2{font-size:25px}.m5-page>.faq,.m5-page>.rel{max-width:1160px;margin-inline:auto}
@media(max-width:800px){.m5-page{padding-inline:24px}.m5-story h1{font-size:44px}.m5-story h2{font-size:32px}.m5-hero-bottom{gap:28px;grid-template-columns:1fr}.m5-story .m5-byline{border-top:1px solid #d9dcd8;padding-top:15px}.m5-conflict{padding:25px;grid-template-columns:1fr 60px 1fr}.m5-conflict strong{font-size:23px}.m5-stack>div{grid-template-columns:190px 1fr;gap:20px}.m5-decision{gap:0 28px}.m5-people{gap:30px}}
@media(max-width:520px){.m5-page{padding-inline:20px}.m5-crumb{font-size:13px}.m5-story{font-size:20px;line-height:1.65}.m5-story h1{font-size:36px}.m5-story h2{font-size:29px}.m5-story h3{font-size:23px}.m5-story .m5-lead{font-size:22px}.m5-story>section,.m5-story>aside{margin-top:58px}.m5-conflict{grid-template-columns:1fr;text-align:left;padding:24px}.m5-versus{text-align:left;font-size:36px;margin:8px 0}.m5-index{gap:14px 22px}.m5-decision,.m5-people,.m5-hybrid{display:block}.m5-root{text-align:left;font-size:18px}.m5-branch{margin-top:24px;padding:25px 0}.m5-bridge{padding:25px 22px}.m5-stack>div{display:block;padding:24px 0}.m5-stack span{display:block;margin-bottom:12px}.m5-note{padding:20px}.m5-people>div+div{border-top:1px solid #d9dcd8;padding-top:24px;margin-top:24px}.m5-hybrid>div{margin-bottom:24px}.m5-story figcaption{font-size:16px}}

/* Second visual pass: matrix of comparable conditions, WP 5 only. */
.m5-matrix{display:block;font-family:Manrope,sans-serif;border:1px solid #d9dcd8}
.m5-matrix-top{display:flex;justify-content:space-between;gap:24px;align-items:baseline;padding:22px 26px;background:#eaf0ff;border-bottom:1px solid #d9dcd8}
.m5-matrix-top strong{font-size:23px;color:#173b8f}.m5-matrix-top span{font-size:17px;color:#46515d}
.m5-model-heads,.m5-matrix-row{display:grid;grid-template-columns:1.05fr 1.15fr 1.15fr 1.15fr}
.m5-model-heads{align-items:stretch;border-bottom:2px solid #173b8f}.m5-model-heads>span{padding:28px 24px;font-size:16px;align-self:center;color:#46515d}
.m5-story .m5-model-heads h3{font-size:24px;margin:0;padding:25px 22px;background:#eef2fa;border-left:1px solid #d9dcd8}.m5-model-heads h3:nth-child(3){background:#f1f3ef}.m5-model-heads h3:nth-child(4){background:#f6f0e7}
.m5-model-heads small{display:block;font:400 16px/1.55 Manrope,sans-serif;letter-spacing:0;color:#46515d;margin-top:10px}
.m5-matrix-row{border-bottom:1px solid #d9dcd8}.m5-axis,.m5-cell{padding:24px 22px}.m5-cell{border-left:1px solid #d9dcd8}.m5-cell:nth-child(2){background:#eef2fa}.m5-cell:nth-child(3){background:#f1f3ef}.m5-cell:nth-child(4){background:#f6f0e7}
.m5-axis-mark{display:block;font:500 29px/1 Manrope,sans-serif;color:#173b8f;margin-bottom:16px}.m5-story .m5-axis h3{font-size:21px;margin-bottom:13px;letter-spacing:-.025em}.m5-story .m5-axis p{font:400 16px/1.6 Manrope,sans-serif;color:#46515d;margin:0}
.m5-matrix .m5-cell strong{font-size:18px;line-height:1.45;display:block;color:#18202b;margin-bottom:14px}.m5-matrix .m5-cell p{font:400 17px/1.65 Manrope,sans-serif;margin:0}.m5-mobile-model{display:none}
.m5-economic{padding:27px 30px;background:#eaf0ff;display:grid;grid-template-columns:210px 1fr;gap:12px 26px}.m5-economic>span{font:600 17px/1.5 Manrope,sans-serif;color:#173b8f}.m5-economic>strong{font:650 25px/1.4 Manrope,sans-serif;color:#18202b}.m5-economic>p{grid-column:2;font:400 17px/1.65 Manrope,sans-serif;margin:0}.m5-story .m5-matrix figcaption{padding:22px 26px;margin:0;background:#f7f7f4}
@media(max-width:1000px){.m5-matrix-top{display:block}.m5-matrix-top span{display:block;margin-top:8px}.m5-model-heads{display:none}.m5-matrix-row{grid-template-columns:1fr 1fr 1fr}.m5-axis{grid-column:1/-1;display:grid;grid-template-columns:40px 1fr;gap:0 15px;padding:24px;background:#f7f7f4;border-bottom:1px solid #d9dcd8}.m5-axis-mark{grid-row:1/3;margin:0;align-self:center}.m5-story .m5-axis h3{font-size:23px;margin-bottom:8px}.m5-axis h3 br{display:none}.m5-axis p{grid-column:2}.m5-cell{padding:24px 18px}.m5-mobile-model{display:block;font:650 20px/1.4 Manrope,sans-serif;margin-bottom:20px;padding-bottom:12px;border-bottom:2px solid #c4cddd;color:#173b8f}.m5-cell:nth-child(3) .m5-mobile-model{border-color:#c9d3c7}.m5-cell:nth-child(4) .m5-mobile-model{border-color:#dcc9ad}.m5-cell:nth-child(2){border-left:0}.m5-economic{grid-template-columns:1fr}.m5-economic>p{grid-column:1}}
@media(max-width:560px){.m5-matrix-row{display:block}.m5-matrix-top{padding:23px 20px}.m5-matrix-top strong{font-size:22px}.m5-axis{padding:24px 20px}.m5-story .m5-axis h3{font-size:23px}.m5-cell{display:grid;grid-template-columns:1fr;border-left:0;padding:24px 20px;border-bottom:1px solid #d9dcd8}.m5-mobile-model{margin-bottom:14px;font-size:21px}.m5-matrix .m5-cell strong{font-size:19px;margin-bottom:12px}.m5-matrix .m5-cell p{font-size:18px}.m5-economic{padding:24px 20px}.m5-economic>strong{font-size:24px}.m5-story .m5-matrix figcaption{padding:22px 20px}}
.m5-choice-notes{background:#f7f7f4;border-bottom:1px solid #d9dcd8}.m5-choice-notes summary{padding:20px 26px;cursor:pointer;font:600 17px/1.5 Manrope,sans-serif;color:#173b8f}.m5-choice-notes>div{padding:0 26px 5px}.m5-choice-notes p{font:400 18px/1.65 Manrope,sans-serif}.m5-choice-notes strong{font-size:18px}
@media(max-width:560px){.m5-cell{grid-template-columns:100px 1fr;gap:8px 13px;padding:22px 16px}.m5-mobile-model{grid-column:1;grid-row:1/3;border:0;padding:0;margin:0;font-size:17px}.m5-matrix .m5-cell strong{grid-column:2;font-size:18px;margin:0}.m5-matrix .m5-cell p{grid-column:2;font-size:17px;line-height:1.6}.m5-choice-notes summary{padding:20px}.m5-choice-notes>div{padding-inline:20px}}
/* Measured local anchor offset. */
.m5-story [id]{scroll-margin-top:var(--m5-anchor-offset,150px)}
.m5-author-thesis{display:grid;grid-template-columns:1.15fr 1fr;gap:38px;align-items:center;border-left:4px solid #2454c6;padding:20px 28px;background:#eef2fa}
.m5-story .m5-thesis{font:650 32px/1.3 Manrope,sans-serif;letter-spacing:-.03em;margin:0}.m5-thesis em{color:#2454c6;font-style:normal}.m5-author-thesis>p+p{font-size:21px;line-height:1.6;margin:0}
.m5-hero-bottom{margin:28px 0}.m5-story .m5-lead{font-size:24px}.m5-index{font-weight:500}
@media(max-width:800px){.m5-author-thesis{gap:20px;padding:20px 24px;grid-template-columns:1fr}.m5-story .m5-thesis{font-size:30px}.m5-hero-bottom{margin:24px 0;gap:16px}}
@media(max-width:520px){.m5-author-thesis{padding:18px 20px;gap:16px}.m5-story .m5-thesis{font-size:27px}.m5-author-thesis>p+p{font-size:20px}.m5-story .m5-lead{font-size:21px}.m5-index{font-size:15px}}

/* WP 5 concept: economics of the choice. All rules remain article-scoped. */
.m5-hero{border-top:1px solid #18202b;padding-top:24px}
.m5-story h1{font-size:clamp(36px,4vw,58px);max-width:1090px;line-height:1.13}
.m5-hero-bottom{grid-template-columns:3fr 1fr;gap:50px;margin:26px 0 32px}
.m5-story .m5-lead{font-size:23px;line-height:1.55;margin:0}
.m5-story .m5-byline{border-left:1px solid #d9dcd8;padding:4px 0 0 24px;margin:0}
.m5-opening{display:grid;grid-template-columns:1.2fr 1fr;border-block:1px solid #2454c6}
.m5-expectation{padding:30px 30px 30px 0;align-self:center}
.m5-expectation>span,.m5-question>span{font:500 16px/1.55 Manrope,sans-serif}
.m5-story .m5-expectation>p{font:600 clamp(28px,3.2vw,46px)/1.2 Manrope,sans-serif;letter-spacing:-.045em;margin:20px 0 0}
.m5-question{background:#2454c6;color:#fff;padding:26px 36px}
.m5-story .m5-question>p{font:650 clamp(42px,5vw,70px)/.99 Manrope,sans-serif;letter-spacing:-.055em;margin:0 0 20px}
.m5-question>span{display:block;max-width:300px;color:#fff}
.m5-index{justify-content:space-between;gap:14px 22px;padding:20px 0}
.m5-example{display:grid;grid-template-columns:1.5fr 1fr;gap:60px;border-block:1px solid #d9dcd8;padding-block:36px}
.m5-example h2{font-size:32px}.m5-example>div>p:last-child{margin-bottom:0}
.m5-example aside{border-left:1px solid #c68a3a;padding-left:32px}
.m5-example aside>p{font:16px/1.65 Manrope,sans-serif;margin:0}
.m5-example aside .m5-example-number{font:600 52px/1.2 Manrope,sans-serif;letter-spacing:-.045em;color:#173b8f;margin-bottom:24px}
.m5-example-number span{display:block;font:500 17px/1.5 Manrope,sans-serif;letter-spacing:0;margin-top:8px}
.m5-story .m5-ledger{font-family:Manrope,sans-serif;border-top:3px solid #173b8f}
.m5-story .m5-ledger>figcaption{margin:0;padding:24px 28px;text-align:center;background:#173b8f;color:white;font-size:21px;font-weight:600}
.m5-ledger-routes{display:grid;grid-template-columns:1fr 1fr;position:relative;padding-bottom:32px}
.m5-ledger-routes:after{content:"";position:absolute;left:25%;right:25%;height:32px;bottom:0;border:1px solid #2454c6;border-top:0}
.m5-ledger-routes>div{padding:30px 36px;background:#eaf0ff}.m5-ledger-routes>div+div{border-left:1px solid #c1cceb;background:#eef0f4}
.m5-ledger-routes span{display:block;font-size:17px;color:#173b8f;margin-bottom:16px}
.m5-ledger-routes strong{font-size:27px;line-height:1.3;letter-spacing:-.035em;display:block}
.m5-ledger-routes p{font-size:18px;line-height:1.6;margin:18px 0 0}
.m5-shared{position:relative;margin-top:24px;border:1px solid #c1cceb;padding:0 32px}
.m5-shared:before{content:"";position:absolute;height:25px;width:1px;left:50%;top:-25px;background:#2454c6}
.m5-story .m5-ledger-label{font-size:15px;font-weight:600;letter-spacing:.05em;text-transform:uppercase;color:#173b8f;padding:22px 0;margin:0;border-bottom:1px solid #c1cceb}
.m5-cost-row{display:grid;grid-template-columns:270px 1fr;gap:30px;padding:22px 0;border-bottom:1px solid #d9dcd8}.m5-cost-row:last-child{border-bottom:0}
.m5-story .m5-cost-row h3{font-size:21px;margin:0;letter-spacing:-.025em;line-height:1.4}.m5-cost-row p{font-size:18px;line-height:1.6;margin:0}
.m5-profit{display:grid;grid-template-columns:270px 1fr;gap:30px;padding:24px 32px;background:#eaf0ff;border-bottom:3px solid #2454c6}
.m5-profit>span{font-size:17px;color:#173b8f;font-weight:600}.m5-profit p{font-size:20px;line-height:1.55;margin:0}
.m5-story .m5-ledger-caveat{font:16px/1.65 Manrope,sans-serif;color:#46515d;margin:20px 0 0}
.m5-pull{margin:45px 0 0 200px;border-left:3px solid #c68a3a;padding:4px 0 4px 30px}
.m5-pull p{font-size:27px;line-height:1.5;color:#173b8f}.m5-pull cite{font:400 16px/1.6 Manrope,sans-serif;color:#46515d}
.m5-mechanisms{font-family:Manrope,sans-serif}
.m5-fork-origin{text-align:center;border-block:1px solid #18202b;padding:18px;font-size:17px}
.m5-fork-tracks{display:grid;grid-template-columns:1fr 1fr;gap:60px;padding:34px 0 0;position:relative}
.m5-fork-tracks>div{border-top:3px solid #2454c6;padding:24px 0 0;display:flex;flex-direction:column}
.m5-track-label{font-size:15px;text-transform:uppercase;letter-spacing:.07em;color:#46515d;margin-bottom:17px}
.m5-story .m5-fork-tracks h3{font-size:30px;line-height:1.25;max-width:360px;min-height:75px}
.m5-fork-tracks p{font-size:19px;line-height:1.65}
.m5-track-effect{margin-top:auto;border-top:1px solid #d9dcd8;padding-top:22px}
.m5-track-effect span{font-size:15px;color:#46515d}.m5-track-effect p{font-weight:600;margin-top:10px}
.m5-story .m5-track-question{font-size:22px;line-height:1.45;color:#173b8f;padding:20px 0;border-top:1px solid #d9dcd8;margin:0;min-height:107px}
.m5-fork-end{border-top:2px solid #2454c6;background:#eaf0ff;padding:28px 32px;margin-top:24px;position:relative}
.m5-fork-end:before,.m5-fork-end:after{content:"";position:absolute;top:-26px;height:24px;width:1px;background:#2454c6}.m5-fork-end:before{left:25%}.m5-fork-end:after{left:75%}
.m5-fork-end span{display:block;font-size:15px;color:#173b8f;margin-bottom:12px}
.m5-fork-end strong{font-size:28px;line-height:1.4;letter-spacing:-.035em;display:block}.m5-fork-end p{font-size:18px;margin:14px 0 0}
.m5-people{gap:60px;border-top:2px solid #18202b}.m5-people>div+div{border-left:1px solid #d9dcd8;padding-left:32px}
.m5-story a:focus-visible,.m5-story summary:focus-visible{outline:3px solid #2454c6;outline-offset:5px}
@media(max-width:900px){
 .m5-hero-bottom{grid-template-columns:1fr;gap:20px}.m5-story .m5-byline{border:0;padding:0;font-size:15px}.m5-byline span{display:inline;margin-left:14px}
 .m5-example{gap:30px;grid-template-columns:1.3fr 1fr}.m5-example h2{font-size:28px}.m5-example aside{padding-left:24px}.m5-example aside .m5-example-number{font-size:42px}
 .m5-cost-row,.m5-profit{grid-template-columns:210px 1fr;gap:24px}.m5-ledger-routes>div{padding:26px}.m5-ledger-routes strong{font-size:24px}
 .m5-pull{margin-left:70px}.m5-fork-tracks{gap:32px}.m5-story .m5-fork-tracks h3{font-size:27px}.m5-people{gap:28px}
}
@media(max-width:560px){
 .m5-story h1{font-size:35px}.m5-hero{padding-top:20px}.m5-story .m5-kicker{font-size:13px;letter-spacing:.075em}.m5-hero-bottom{margin:23px 0;gap:15px}.m5-story .m5-lead{font-size:21px}.m5-byline span{display:block;margin:3px 0 0}
 .m5-opening{grid-template-columns:1fr}.m5-expectation{padding:22px 0}.m5-story .m5-expectation>p{font-size:32px;margin-top:12px}.m5-question{padding:24px}.m5-story .m5-question>p{font-size:52px;line-height:1.05;margin-bottom:15px}.m5-question p br{display:none}.m5-question>span{font-size:16px}.m5-expectation>span{font-size:15px}
 .m5-index{display:grid;grid-template-columns:1fr 1fr;gap:15px 20px;font-size:14px;align-items:start}
 .m5-example{grid-template-columns:1fr;gap:25px;padding-block:28px}.m5-example h2{font-size:28px}.m5-example aside{padding:22px 0 0;border-left:0;border-top:1px solid #c68a3a}.m5-example aside .m5-example-number{font-size:46px;margin-bottom:18px}
 .m5-ledger-routes{grid-template-columns:1fr;padding-bottom:0}.m5-ledger-routes:after,.m5-shared:before{display:none}.m5-ledger-routes>div{padding:25px 22px}.m5-ledger-routes>div+div{border-left:0;border-top:1px solid #c1cceb}.m5-ledger-routes strong{font-size:25px}.m5-ledger-routes p{font-size:18px}.m5-story .m5-ledger>figcaption{font-size:20px;text-align:left;padding:24px 22px}
 .m5-shared{margin-top:0;padding:0 22px;border-top:0}.m5-story .m5-ledger-label{font-size:14px;line-height:1.6}.m5-cost-row{grid-template-columns:1fr;gap:10px}.m5-story .m5-cost-row h3{font-size:22px}.m5-profit{grid-template-columns:1fr;gap:12px;padding:24px 22px}.m5-profit p{font-size:21px}
 .m5-pull{margin:32px 0 0;padding-left:20px}.m5-pull p{font-size:24px}
 .m5-fork-origin{text-align:left;padding:18px 0;font-size:16px}.m5-fork-tracks{grid-template-columns:1fr;gap:28px;padding-top:25px}.m5-story .m5-fork-tracks h3{font-size:29px;min-height:0}.m5-story .m5-track-question{min-height:0}.m5-fork-end{padding:24px;margin-top:24px}.m5-fork-end:before{left:50%}.m5-fork-end:after{display:none}.m5-fork-end strong{font-size:26px}
 .m5-people>div+div{border-left:0;padding-left:0}.m5-story .m5-ledger-caveat,.m5-story figcaption{font-size:16px}
}