@font-face{font-family:Public Sans;src:url(fonts/public-sans.woff2) format('woff2');font-style:normal;font-weight:100 900;font-display:swap}
:root{--ibf-ink:#192b32;--ibf-paper:#fffdf8;--ibf-mint:#bee9d8;--ibf-lilac:#ded5fa;--ibf-peach:#ffc9b7;--ibf-yellow:#f8e5a1;--ibf-line:#cbd1cc}
body{margin:0;background:var(--ibf-paper);color:var(--ibf-ink)}
.ibfm-shell,.ibfm-shell *,.ibfm-shell *:before,.ibfm-shell *:after{box-sizing:border-box}
.ibfm-shell{font:17px/1.7 'Public Sans',Arial,sans-serif;color:var(--ibf-ink);background:var(--ibf-paper);overflow-wrap:break-word}
.ibfm-shell a{color:inherit;text-underline-offset:4px}
.ibfm-shell a:hover{text-decoration-thickness:2px}
.ibfm-shell a:focus-visible,.ibfm-shell input:focus-visible,.ibfm-shell button:focus-visible{outline:3px solid #6341a4;outline-offset:5px}
.ibfm-shell h1,.ibfm-shell h2,.ibfm-shell h3{font-family:'Public Sans',Arial,sans-serif;color:var(--ibf-ink);line-height:1.12;letter-spacing:-.04em;text-transform:none}
.ibfm-shell p{margin:0 0 20px}
.ibfm-shell img{max-width:100%;height:auto}
.screen-reader-text,.ibfm-skip{position:absolute;width:1px;height:1px;padding:0;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap}
.ibfm-skip:focus{clip:auto;width:auto;height:auto;top:12px;left:12px;background:white;padding:10px 16px;z-index:99999}
.ibfm-header{max-width:1280px;margin:auto;padding:0 38px}
.ibfm-topbar{font-size:11px;letter-spacing:.4px;display:flex;justify-content:space-between;gap:20px;border-bottom:1px solid var(--ibf-ink);padding:11px 0}
.ibfm-topbar a{text-decoration:none}
.ibfm-masthead{display:flex;justify-content:space-between;align-items:center;gap:35px;padding:30px 0 26px}
.ibfm-brand{font-size:clamp(30px,4.5vw,59px);font-weight:850;letter-spacing:-.065em;line-height:1.02;text-decoration:none;display:inline-block;text-transform:lowercase}
.ibfm-brand-dot{color:#a94c3b}
.ibfm-brand-wrap>p{font-size:12px;letter-spacing:.3px;color:#59676a;margin:12px 0 0}
.custom-logo-link img{width:auto;height:70px;max-width:350px}
.ibfm-search{display:flex;width:235px;max-width:100%;border-bottom:1px solid var(--ibf-ink);flex-shrink:0;align-items:center}
.ibfm-search input{font:13px/1.5 'Public Sans',Arial,sans-serif;color:var(--ibf-ink);border:0;background:transparent;width:100%;min-width:0;padding:12px 0;outline-offset:2px}
.ibfm-search input::placeholder{color:#657174;opacity:1}
.ibfm-search button{font:22px/1 Arial,sans-serif;cursor:pointer;background:transparent;border:0;padding:9px 4px 9px 12px;color:var(--ibf-ink)}
.ibfm-nav{border-top:1px solid var(--ibf-ink);border-bottom:1px solid var(--ibf-ink)}
.ibfm-menu{list-style:none;margin:0;padding:0;display:flex;gap:10px 30px;flex-wrap:wrap}
.ibfm-menu li{margin:0}
.ibfm-menu a{display:block;padding:13px 0;font-size:12px;font-weight:700;text-decoration:none}
.ibfm-main{max-width:1280px;margin:auto;padding:0 38px 60px}
.ibfm-section-intro{display:flex;justify-content:space-between;align-items:flex-end;padding:30px 0 23px}
.ibfm-shell .ibfm-eyebrow{font-size:10px;line-height:1.6;font-weight:800;letter-spacing:1.25px;text-transform:uppercase;margin:0 0 12px}
.ibfm-section-intro>p:last-child{font-size:14px;line-height:1.45;text-align:right;margin:0}
.ibfm-section-intro .ibfm-eyebrow{margin:0}
.ibfm-lead-story{display:grid;grid-template-columns:1.06fr 1fr;background:var(--ibf-mint)}
.ibfm-lead-image{display:block;min-width:0;overflow:hidden}
.ibfm-lead-image img{width:100%;height:100%;min-height:480px;object-fit:cover;display:block}
.ibfm-lead-copy{padding:43px 39px;align-self:center}
.ibfm-lead-copy h1{font-size:clamp(35px,4.1vw,57px);font-weight:800;letter-spacing:-.055em;margin:18px 0 24px}
.ibfm-lead-copy h1 a{text-decoration:none}
.ibfm-lead-copy>p:not(.ibfm-eyebrow){font-size:16px;line-height:1.65;max-width:400px}
.ibfm-text-link{display:inline-block;font-size:12px;font-weight:800;text-decoration:none;border-bottom:1px solid;padding:6px 0}
.ibfm-home-section{margin:45px 0 0}
.ibfm-section-heading{display:flex;justify-content:space-between;align-items:baseline;gap:18px;margin:0 0 22px;border-top:1px solid var(--ibf-ink);padding-top:18px}
.ibfm-section-heading h2{font-size:27px;font-weight:800;margin:0;letter-spacing:-.045em}
.ibfm-section-heading>a,.ibfm-section-heading>span{font-size:11px;line-height:1.5;color:#54646a}
.ibfm-three-grid,.ibfm-archive-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:30px}
.ibfm-card{min-width:0}
.ibfm-card-image{display:block;overflow:hidden;background:var(--ibf-lilac)}
.ibfm-card-image img{width:100%;aspect-ratio:1.4;object-fit:cover;display:block}
.ibfm-card-copy{padding:19px 0 0}
.ibfm-card .ibfm-eyebrow{font-size:9px;margin-bottom:9px}
.ibfm-card h2{font-size:25px;font-weight:750;margin:0 0 13px;letter-spacing:-.035em}
.ibfm-card h2 a{text-decoration:none}
.ibfm-card h2 a:hover{text-decoration:underline;text-decoration-thickness:1px}
.ibfm-shell .ibfm-card-excerpt{font-size:13px;line-height:1.65;color:#55646a;margin:0 0 13px}
.ibfm-shell .ibfm-card-date{font-size:10px;letter-spacing:.2px;color:#63716f;margin:0}
.ibfm-sponsored-band{margin:45px 0 0;padding:30px 35px;background:var(--ibf-lilac);display:grid;grid-template-columns:minmax(0,1fr) auto;gap:45px;align-items:center}
.ibfm-sponsored-band h2{font-size:31px;font-weight:750;max-width:650px;margin:0 0 13px}
.ibfm-sponsored-band p:not(.ibfm-eyebrow){font-size:14px;line-height:1.65;max-width:650px;margin:0}
.ibfm-shell a.ibfm-button,.ibfm-shell a.ibfw-button{display:inline-block;padding:14px 22px;background:var(--ibf-ink);border:1px solid var(--ibf-ink);color:white;font-size:12px;line-height:1.6;font-weight:750;text-decoration:none;text-align:center;max-width:100%}
.ibfm-shell a.ibfm-button:hover,.ibfm-shell a.ibfw-button:hover{background:#314850;color:white}
.ibfm-two-grid{display:grid;grid-template-columns:1fr 1fr;gap:34px}
.ibfm-card--wide .ibfm-card-image img{aspect-ratio:1.5}
.ibfm-card--wide .ibfm-card-copy{background:var(--ibf-peach);padding:23px 25px 25px}
.ibfm-card--wide:nth-child(2) .ibfm-card-copy{background:var(--ibf-yellow)}
.ibfm-card--wide h2{font-size:31px}
.ibfm-compact-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px 36px}
.ibfm-card--compact{display:grid;grid-template-columns:37% minmax(0,1fr);gap:20px;border-bottom:1px solid var(--ibf-line);padding-bottom:25px}
.ibfm-card--compact .ibfm-card-copy{padding:0}
.ibfm-card--compact .ibfm-card-image img{height:100%;aspect-ratio:1.1}
.ibfm-card--compact h2{font-size:22px}
.ibfm-card--compact .ibfm-card-excerpt{display:none}
.ibfm-footer{background:var(--ibf-mint);padding:42px max(38px,calc((100vw - 1204px)/2)) 18px}
.ibfm-footer-main{display:grid;grid-template-columns:1.4fr 1fr;gap:80px;padding-bottom:30px;border-bottom:1px solid #7ea99b}
.ibfm-footer-brand{font-size:30px;font-weight:800;letter-spacing:-1.4px;text-decoration:none}
.ibfm-footer-main>div>p:not(.ibfm-eyebrow){font-size:13px;line-height:1.7;color:#3f5c57;margin:15px 0 0}
.ibfm-footer-links nav{display:grid;grid-template-columns:1fr 1fr;gap:8px 20px;font-size:12px}
.ibfm-footer-links nav a{text-decoration:none}
.ibfm-footer-bottom{font-size:10px;display:flex;justify-content:space-between;gap:15px;padding-top:18px;flex-wrap:wrap}
.ibfm-story{max-width:1080px;margin:45px auto 0}
.ibfm-story-header{max-width:900px;margin:0 0 30px}
.ibfm-story h1,.ibfm-information-page h1,.ibfm-page-heading h1{font-size:clamp(36px,5vw,66px);font-weight:800;letter-spacing:-.055em;margin:0 0 25px}
.ibfm-shell .ibfm-story-deck{font-size:20px;line-height:1.6;color:#536369;max-width:780px}
.ibfm-shell .ibfm-story-meta{font-size:11px;color:#64716f;margin:0}
.ibfm-story-meta span{padding:0 9px}
.ibfm-story-hero{margin:0 0 35px}
.ibfm-story-hero img{width:100%;max-height:650px;object-fit:cover;display:block}
.ibfm-shell figcaption{font-size:10px;color:#687773;line-height:1.6;margin-top:10px}
.ibfm-story-body{max-width:760px;margin:0 auto;font-size:18px;line-height:1.8}
.ibfm-story-body h2{font-size:29px;font-weight:750;margin:35px 0 18px}
.ibfm-story-body h3{font-size:22px;margin:28px 0 15px}
.ibfm-story-body p{margin:0 0 23px}
.ibfm-story-body ul,.ibfm-story-body ol{padding-left:23px}
.ibfm-story-body li{margin-bottom:10px}
.ibfm-story-end{max-width:760px;margin:40px auto 0;border-top:1px solid;padding-top:22px;display:flex;gap:25px;justify-content:space-between;font-size:12px}
.ibfm-information-page{max-width:850px;margin:45px auto 0}
.ibfm-information-page .ibfm-story-body{margin:0}
.ibfm-information-page h1{font-size:48px}
.ibfm-page-heading{margin:45px 0 35px;max-width:900px}
.ibfm-page-heading h1{font-size:52px}
.ibfm-archive-grid{row-gap:40px}
.ibfm-pagination{margin-top:40px;text-align:center;font-size:13px}
.ibfm-pagination .page-numbers{display:inline-block;padding:7px 12px}
.ibfm-empty{padding:30px 0}
.ibfm-comments{max-width:760px;margin:35px auto}
.ibfm-comments textarea{width:100%}
.ibfw-topline{text-align:center;padding:11px 20px;background:var(--ibf-yellow);font-size:12px;font-weight:800;letter-spacing:1.3px;color:var(--ibf-ink)}
.ibfm-shell .ibfw-top-disclaimer{font-size:11px;line-height:1.6;margin:0;padding:8px 20px;text-align:center;background:#fff}
.ibfw-article{margin:35px auto 0;max-width:1100px}
.ibfw-hero-copy{background:var(--ibf-lilac);padding:38px 42px}
.ibfw-hero-copy h1{font-size:clamp(36px,4.7vw,63px);font-weight:800;letter-spacing:-.055em;max-width:920px;margin:15px 0 23px}
.ibfm-shell .ibfw-deck{font-size:20px;line-height:1.6;max-width:820px;color:#3d4f58}
.ibfm-shell .ibfw-meta{font-size:11px;margin:0 0 22px;color:#4c5d65}
.ibfm-shell .ibfw-cta-note{font-size:11px;line-height:1.6;margin:10px 0 0;color:#4c5d65}
.ibfw-hero{margin:0 0 25px}
.ibfw-hero img{display:block;width:100%;height:auto;aspect-ratio:1.9;object-fit:cover}
.ibfw-hero figcaption{padding:0 0 0 3px}
.ibfw-disclosure{font-size:12px;line-height:1.75;padding:19px 22px;border-top:1px solid #a5ada7;border-bottom:1px solid #a5ada7;background:#faf7ef;margin:25px 0 34px}
.ibfw-reading{display:grid;grid-template-columns:minmax(0,760px) 210px;gap:60px}
.ibfw-prose{font-size:18px;line-height:1.8;min-width:0}
.ibfw-prose h2{font-size:31px;font-weight:750;margin:34px 0 18px}
.ibfw-prose p{margin-bottom:22px}
.ibfm-shell .ibfw-lead{font-size:22px;line-height:1.65;font-weight:550}
.ibfw-prose section[id]{scroll-margin-top:25px}
.ibfw-contents{align-self:start;position:sticky;top:25px;font-size:12px;line-height:1.7;border-top:2px solid;padding-top:17px}
.ibfw-contents>p{font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:1px}
.ibfw-contents ol{padding-left:18px;margin:0}
.ibfw-contents li{padding:0 0 12px 4px}
.ibfw-contents a{text-decoration:none}
.ibfw-callout{padding:27px 30px;background:var(--ibf-mint);margin:30px 0}
.ibfw-callout h2{font-size:27px;margin:0 0 14px}
.ibfw-callout p{font-size:15px;line-height:1.7}
.ibfw-inline-image{margin:30px 0}
.ibfw-inline-image img{width:100%;display:block;aspect-ratio:1.5;object-fit:cover}
.ibfw-sources{font-size:12px;line-height:1.8;border-top:1px solid #b9c2bb;padding-top:20px;margin-top:30px}
.ibfw-sources h2{font-size:14px;letter-spacing:0;margin:0 0 12px}
.ibfw-final{max-width:900px;background:var(--ibf-peach);padding:32px 35px;margin:35px 0 25px}
.ibfw-final h2{font-size:35px;font-weight:750;margin:0 0 20px;max-width:700px}
.ibfw-final p{font-size:16px;line-height:1.7;max-width:750px}
.ibfm-shell .ibfw-bottom{max-width:900px;margin-bottom:0}
@media(max-width:1000px){.ibfm-menu{gap:6px 20px}.ibfm-header,.ibfm-main{padding-left:25px;padding-right:25px}.ibfm-lead-copy{padding:30px}.ibfm-lead-image img{min-height:430px}.ibfm-three-grid,.ibfm-archive-grid{gap:22px}.ibfw-reading{grid-template-columns:minmax(0,1fr) 170px;gap:30px}.ibfm-card--compact{grid-template-columns:33% minmax(0,1fr);gap:15px}.ibfm-card--compact h2{font-size:20px}.ibfm-footer{padding-left:25px;padding-right:25px}}
@media(max-width:680px){.ibfm-header,.ibfm-main{padding-left:18px;padding-right:18px}.ibfm-topbar{font-size:9px}.ibfm-topbar>a{max-width:100px;text-align:right}.ibfm-masthead{display:block;padding:24px 0 19px}.ibfm-brand{font-size:38px;letter-spacing:-2px}.ibfm-brand-wrap>p{font-size:11px;margin:10px 0 0}.ibfm-search{width:100%;margin-top:18px}.ibfm-search input{font-size:12px;padding:8px 0}.ibfm-menu{gap:0 19px}.ibfm-menu a{font-size:10px;padding:9px 0}.ibfm-section-intro{padding:22px 0 18px}.ibfm-section-intro>p:last-child{font-size:11px}.ibfm-lead-story{display:block}.ibfm-lead-image img{min-height:0;aspect-ratio:1.35;height:auto}.ibfm-lead-copy{padding:27px 25px 30px}.ibfm-lead-copy h1{font-size:36px;line-height:1.12;margin:12px 0 19px}.ibfm-lead-copy>p:not(.ibfm-eyebrow){font-size:15px}.ibfm-home-section{margin-top:32px}.ibfm-section-heading{padding-top:15px;align-items:flex-start}.ibfm-section-heading h2{font-size:23px}.ibfm-section-heading>span{max-width:110px;text-align:right;font-size:10px}.ibfm-three-grid,.ibfm-two-grid,.ibfm-archive-grid,.ibfm-compact-grid{grid-template-columns:1fr;gap:28px}.ibfm-card h2{font-size:27px}.ibfm-card-copy{padding-top:16px}.ibfm-card--wide .ibfm-card-copy{padding:22px}.ibfm-card--compact{grid-template-columns:35% minmax(0,1fr)}.ibfm-card--compact h2{font-size:22px}.ibfm-card--compact .ibfm-card-copy{padding:0}.ibfm-sponsored-band{grid-template-columns:1fr;gap:22px;padding:25px;margin-top:32px}.ibfm-sponsored-band h2{font-size:28px}.ibfm-sponsored-band .ibfm-button{justify-self:start}.ibfm-footer{padding:30px 18px 18px}.ibfm-footer-main{grid-template-columns:1fr;gap:25px}.ibfm-footer-brand{font-size:29px}.ibfm-footer-bottom{gap:12px;font-size:9px}.ibfm-story{margin-top:30px}.ibfm-story h1{font-size:39px}.ibfm-shell .ibfm-story-deck{font-size:18px}.ibfm-story-body{font-size:17px;line-height:1.8}.ibfm-story-body h2{font-size:27px}.ibfm-story-hero{margin-bottom:26px}.ibfm-story-hero img{aspect-ratio:1.25;object-fit:cover}.ibfm-story-end{display:block}.ibfm-information-page h1,.ibfm-page-heading h1{font-size:37px}.ibfw-article{margin-top:25px}.ibfw-hero-copy{padding:27px 24px}.ibfw-hero-copy h1{font-size:39px}.ibfm-shell .ibfw-deck{font-size:18px}.ibfw-hero img{aspect-ratio:1.25}.ibfw-reading{display:block}.ibfw-contents{display:none}.ibfw-prose{font-size:17px}.ibfw-prose h2{font-size:28px}.ibfm-shell .ibfw-lead{font-size:20px}.ibfw-disclosure{padding:16px;font-size:11px}.ibfw-callout{padding:24px}.ibfw-final{padding:26px 24px}.ibfw-final h2{font-size:30px}.ibfm-shell a.ibfw-button{width:100%;padding:14px 16px}}