@charset "utf-8";.insight-banner{position:relative;z-index:1}.insights-page-banner{height:740px;background-size:cover!important;position:relative;background-position:50% 50%!important}.indented{padding-left:50px}blockquote{border:1px solid #e9e4cc;padding:20px;margin-bottom:80px;font-weight:600;font-style:italic}.divider_article{display:none}@media (max-width:576px){.insights-page-banner{height:420px;width:100%;background-size:cover!important;position:absolute;background-position:50% 50%!important}}.insights-banner-gradient{position:absolute;left:0;top:0;height:100%;width:100%;background:linear-gradient(0deg,rgba(0,0,0,0.8286985936952906) 16%,rgba(0,0,0,0.48135965812106096) 49%,rgba(255,255,255,0) 80%)!important;z-index:2}.insights-banner-image{position:absolute;top:0;left:0;height:100%;width:100%;object-fit:cover;object-position:50%;z-index:1}.insights-banner-content{position:relative;z-index:3;height:100%}#author{display:none!important}a{color:#E9E4CC}.insight-header{position:relative;z-index:2}.insight-header h1 span{line-height:1;color:#F2F2F2;font-size:2.75rem;line-height:3rem;font-family:'DM Serif Display',serif;margin-bottom:0}.insight-header h1{color:#97999B!important;font-size:2.75rem!important;line-height:3rem!important;font-family:'DM Serif Display',serif!important;margin-bottom:0!important}@media (max-width:576px){.insight-header h1 span{line-height:1;color:#F2F2F2;font-size:2rem;line-height:2.2rem;font-family:'DM Serif Display',serif;margin-bottom:0}.insight-header h1{color:#97999B!important;font-size:2rem!important;line-height:2.2rem!important;font-family:'DM Serif Display',serif!important;margin-bottom:0!important}}.insight-header .date{font-size:1.5rem;line-height:3rem;font-family:'Futura Book'}.insight-share div{margin-top:6px;height:22px;width:22px;background-image:url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" width="22" height="22" viewBox="0 0 26 26"><image id="Share_Button_01" data-name="Share Button 01" width="22" height="22" xlink:href="data:image/png;base64,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"/></svg>')}.row.insight-social{padding-top:50px;padding-bottom:50px}.insight-contacts{row-gap:12px}.insight-share{}.insight-share a{text-decoration:none!important}.row.insight-social{font-size:1rem;line-height:1rem;margin-bottom:0}.row.insight-social a{border-right:1px solid white;padding-right:15px;padding-left:10px}.row.insight-social a:not(:first-of-type){padding-left:15px}.row.insight-social a:last-of-type{border:none!important}.row.insight-social a{text-decoration-line:underline;text-decoration-thickness:1px;text-underline-offset:4px;display:inline-block}@media (max-width:576px){.row.insight-social a{border-right:none;padding-right:0;padding-left:0;padding-top:10px;padding-bottom:10px}.row.insight-social a:not(:first-of-type){padding-left:0}}.read-time .clock{background-image:url('https://www.timothyloh.com/media/templates/site/tlohllp2023/images/individual-insight/clock-white.svg');height:28px;width:28px;background-size:cover;background-repeat:no-repeat;margin-right:15px}.read-time p{font-size:0.9rem}.insight-content{font-size:1.5rem;line-height:2.75rem;padding-top:10px;padding-bottom:90px}.insight-content li{font-family:'Futura Book BT';font-size:1rem;line-height:32px}.insight-content blockquote{font-family:'Futura Book BT';font-size:1rem;line-height:32px}.background-light .insight-content h2{margin-top:2rem!important;margin-bottom:2rem!important;font-family:'Futura Book BT'!important;font-size:2.20rem;color:#222a35!important}.background-light .insight-content h3{margin-top:2rem!important;margin-bottom:2rem!important;font-family:'Futura Book BT'!important;font-size:1.8rem!important;color:#222a35!important}.background-blue .insight-content h2{margin-top:2rem!important;margin-bottom:2rem!important;font-family:'Futura Book BT'!important;font-size:2.20rem;color:#FFFFFF!important}.background-blue .insight-content h3{margin-top:2rem!important;margin-bottom:2rem!important;font-family:'Futura Book BT'!important;font-size:1.8rem!important;color:#FFFFFF!important}.related-services{padding-top:50px;border-bottom:1px solid #E9E4CC;padding-bottom:70px}.related-services p{font-family:'Futura Book BT';font-size:1.125rem;margin-bottom:0}.related-services a{font-family:'Futura Book BT';font-size:1.4rem;color:#E9E4CC;text-decoration-line:underline;text-decoration-thickness:1px;text-underline-offset:2px;display:inline-block;margin-top:10px}.related-articles{padding-top:100px;padding-bottom:100px;border-bottom:1px solid #CECAB7}.related-articles h4{font-family:'Futura Book BT';font-size:1.5rem;color:#fff;margin-bottom:75px}.related-articles .article-container{position:relative;height:384px}.related-articles .article-container h2{font-family:'DM Serif Display',serif;color:#97999B;font-size:1.8rem!important;width:80%}.related-articles .article-container h3{font-family:'DM Serif Display',serif;color:#F2F2F2;margin-bottom:60px;font-size:1.8rem!important}.related-articles .article-container p{font-size:1.1rem;font-family:'Futura Book BT'}.related-articles .article-container .read-more{position:absolute;height:60px;width:257px;bottom:0;left:0;border-radius:30px;font-size:1.4rem;font-family:'Futura Book BT';text-decoration:none;display:flex;justify-content:center;align-items:center;border:2px solid #f2f2f2;color:#E9E4CC}@media (max-width:1199px){.related-articles .article-container{position:relative;height:auto;margin-bottom:50px}.related-articles .article-container p{padding-bottom:100px}.related-articles .article-container h3{margin-bottom:40px!important}}@media (min-width:1400px){.related-articles .article-container{padding-right:120px}.related-articles .article-container.second{padding-left:50px;border-left:1px solid #CECAB7}.related-articles .article-container.second .read-more{left:50px}.related-articles .article-container{position:relative;height:420px}}td{vertical-align:top}
