#kiwisaver-article { --ns-navy:#123b50; --ns-ink:#304d5a; --ns-gold:#98773b; --ns-paper:#f8f6f0; --ns-line:#d9ded9; color:var(--ns-ink); font-family:"Noto Sans SC","Microsoft YaHei",sans-serif; background:transparent; }
    #kiwisaver-article * { box-sizing:border-box; }
    #kiwisaver-article .ns-page { background:var(--ns-paper); width:100%; max-width:100%; margin:0 auto; container-type:inline-size; }
    #kiwisaver-article .ns-hero { padding:52px 7% 34px; background:linear-gradient(120deg,#f8f6f0 65%,#edf2ee); }
    #kiwisaver-article .ns-eyebrow { margin:0 0 19px; font-size:12px; line-height:1.6; letter-spacing:.14em; font-weight:600; color:var(--ns-gold); }
    #kiwisaver-article h1 { margin:0; color:var(--ns-navy); font-family:"Noto Serif SC","Songti SC","SimSun",serif; font-size:36px; line-height:1.5; letter-spacing:.01em; font-weight:500; text-wrap:balance; }
    #kiwisaver-article h1 .ns-title-first { display:block; }
    #kiwisaver-article .ns-answer { margin:11px 0 0; font-size:28px; line-height:1.5; font-family:"Noto Serif SC","Songti SC","SimSun",serif; color:var(--ns-gold); }
    #kiwisaver-article .ns-deck { max-width:690px; margin:18px 0 25px; font-size:17px; line-height:1.9; color:#526b75; }
    #kiwisaver-article .ns-byline { padding-top:20px; border-top:1px solid var(--ns-line); display:flex; align-items:center; gap:12px; font-size:12px; line-height:1.7; color:#5b7077; }
    #kiwisaver-article .ns-byline img { width:42px; height:42px; object-fit:cover; border-radius:50%; }
    #kiwisaver-article .ns-byline strong { display:block; color:var(--ns-navy); font-size:14px; font-weight:600; }
    #kiwisaver-article .ns-date { margin-left:auto; text-align:right; }
    #kiwisaver-article .ns-figure { margin:0; }
    #kiwisaver-article .ns-cover { display:block; width:100%; height:auto; aspect-ratio:2; object-fit:cover; object-position:50% 0%; }
    #kiwisaver-article figcaption { padding:9px 7% 0; font-size:11px; line-height:1.7; color:#647572; }
    #kiwisaver-article .ns-layout { display:grid; grid-template-columns:155px minmax(0,1fr); gap:42px; padding:44px 7% 55px; }
    #kiwisaver-article .ns-toc { font-size:12px; line-height:1.8; padding-top:5px; }
    #kiwisaver-article .ns-toc p { margin:0 0 14px; color:var(--ns-gold); letter-spacing:.1em; font-weight:600; }
    #kiwisaver-article .ns-toc a { display:block; color:#526b75; text-decoration:none; border-bottom:1px solid var(--ns-line); padding:10px 0; }
    #kiwisaver-article .ns-copy { min-width:0; max-width:680px; font-size:16px; line-height:1.95; }
    #kiwisaver-article .ns-copy p { margin:0 0 20px; }
    #kiwisaver-article .ns-copy strong { color:var(--ns-navy); font-weight:600; }
    #kiwisaver-article .ns-copy section { margin:0 0 40px; scroll-margin-top:20px; }
    #kiwisaver-article h2 { font-family:"Noto Serif SC","Songti SC","SimSun",serif; color:var(--ns-navy); font-size:25px; font-weight:500; line-height:1.55; margin:0 0 18px; }
    #kiwisaver-article h3 { margin:0 0 5px; color:var(--ns-navy); font-size:17px; line-height:1.7; font-weight:600; }
    #kiwisaver-article .ns-key { margin:26px 0 34px; padding:26px 28px; background:var(--ns-navy); color:#e3edef; border-left:3px solid #bc9c5d; }
    #kiwisaver-article .ns-key .ns-key-label { margin:0 0 10px; font-size:12px; letter-spacing:.13em; color:#dcc58e; }
    #kiwisaver-article .ns-key p { margin:0; }
    #kiwisaver-article .ns-key strong { color:#fff; font-weight:600; }
    #kiwisaver-article .ns-checks { list-style:none; margin:0; padding:0; counter-reset:checks; }
    #kiwisaver-article .ns-checks li { display:grid; grid-template-columns:28px minmax(0,1fr); gap:14px; padding:18px 0; border-bottom:1px solid var(--ns-line); counter-increment:checks; }
    #kiwisaver-article .ns-checks li:before { content:counter(checks,decimal-leading-zero); color:var(--ns-gold); font-family:Georgia,serif; font-size:23px; line-height:1.5; }
    #kiwisaver-article .ns-checks li p { margin:0; font-size:15px; }
    #kiwisaver-article .ns-source-note { margin-top:13px!important; font-size:12px; color:#657679; }
    #kiwisaver-article .ns-copy a { color:var(--ns-navy); text-underline-offset:3px; overflow-wrap:anywhere; }
    #kiwisaver-article .ns-assets { padding-left:20px; margin:0 0 20px; }
    #kiwisaver-article .ns-assets li { margin:8px 0; padding-left:4px; }
    #kiwisaver-article .ns-case { background:#eeeae0; padding:25px 28px; margin:28px 0 38px; }
    #kiwisaver-article .ns-case .ns-eyebrow { margin-bottom:9px; }
    #kiwisaver-article .ns-case p:last-child { margin:0; }
    #kiwisaver-article .ns-process { margin:20px 0; padding:0; list-style:none; }
    #kiwisaver-article .ns-process li { padding:0 0 19px 22px; margin:0; border-left:1px solid #c5b58e; position:relative; }
    #kiwisaver-article .ns-process li:before { content:""; position:absolute; top:10px; left:-4px; width:7px; height:7px; background:var(--ns-gold); border-radius:50%; }
    #kiwisaver-article .ns-process p { margin:0; font-size:15px; }
    #kiwisaver-article .ns-close { border-top:1px solid #c5b58e; padding-top:28px; }
    #kiwisaver-article .ns-close h2 { font-size:23px; }
    #kiwisaver-article .ns-sources { border-top:1px solid var(--ns-line); padding-top:22px; font-size:12px; line-height:1.85; color:#617278; }
    #kiwisaver-article .ns-sources h2 { font-family:inherit; font-size:14px; font-weight:600; margin-bottom:10px; }
    #kiwisaver-article .ns-sources ol { margin:0 0 16px; padding-left:19px; }
    #kiwisaver-article .ns-sources li { margin-bottom:8px; }
    #kiwisaver-article .ns-sources p { margin:0 0 12px; }
    @container (max-width:740px) {
      #kiwisaver-article .ns-layout { grid-template-columns:1fr; gap:25px; }
      #kiwisaver-article .ns-toc { display:none; }
      #kiwisaver-article h1 { font-size:32px; }
    }
    @container (max-width:480px) {
      #kiwisaver-article .ns-hero { padding:34px 23px 27px; }
      #kiwisaver-article h1 { font-size:27px; line-height:1.55; letter-spacing:0; text-wrap:initial; }
      #kiwisaver-article .ns-answer { font-size:24px; margin-top:9px; }
      #kiwisaver-article .ns-deck { font-size:16px; margin-top:16px; }
      #kiwisaver-article .ns-byline { flex-wrap:wrap; gap:10px; }
      #kiwisaver-article .ns-date { flex-basis:100%; margin-left:52px; text-align:left; }
      #kiwisaver-article .ns-cover { aspect-ratio:1.45; object-position:50% 50%; }
      #kiwisaver-article figcaption { padding:8px 23px 0; }
      #kiwisaver-article .ns-layout { padding:30px 23px 38px; }
      #kiwisaver-article .ns-copy { font-size:17px; line-height:1.95; }
      #kiwisaver-article h2 { font-size:23px; line-height:1.6; }
      #kiwisaver-article .ns-key { padding:22px 21px; }
      #kiwisaver-article .ns-checks li { grid-template-columns:25px minmax(0,1fr); gap:12px; }
      #kiwisaver-article .ns-checks li p, #kiwisaver-article .ns-process p { font-size:16px; }
      #kiwisaver-article .ns-case { padding:23px 21px; }
    }

#kiwisaver-article { background: #f8f6f0; }
#kiwisaver-article .ns-page { max-width: 1120px; }
#kiwisaver-article .ns-return { display: inline-block; margin-bottom: 28px; font-size: 12px; font-weight: 600; text-decoration: none; color: #526b75; }
#kiwisaver-article .ns-hero { padding-top: 40px; }
#kiwisaver-article section, #kiwisaver-article .ns-sources li { scroll-margin-top: 115px; }