:root{
  --ink:#1c2533;--muted:#556074;--line:#dfe4ec;--bg:#ffffff;--soft:#f4f6f9;--soft2:#eef1f6;
  --navy:#16325c;--navy-2:#21467f;--gold:#b8892b;--gold-soft:#fbf5e8;--ok:#1f7a4d;--bad:#a33a2f;
  --radius:12px;--shadow:0 1px 2px rgba(16,32,60,.06),0 4px 16px rgba(16,32,60,.06);
  --header-h:68px;--read:780px;--frame:1140px;
}
*{box-sizing:border-box}
html{scroll-padding-top:calc(var(--header-h) + 16px);-webkit-text-size-adjust:100%}
body{margin:0;font-family:"Source Sans 3","Segoe UI",system-ui,-apple-system,Roboto,Helvetica,Arial,sans-serif;font-size:17.5px;line-height:1.7;color:var(--ink);background:var(--bg);overflow-x:hidden}
h1,h2,h3,h4{font-family:Georgia,"Iowan Old Style","Times New Roman",serif;color:var(--navy);line-height:1.25;letter-spacing:-.005em}
h1{font-size:clamp(1.8rem,4.2vw,2.6rem);margin:.2em 0 .45em}
h2{font-size:clamp(1.4rem,3vw,1.85rem);margin:2.2em 0 .6em}
h3{font-size:1.28rem;margin:1.7em 0 .5em}
h4{font-size:1.08rem;margin:1.4em 0 .4em}
p{margin:0 0 1.05em}
a{color:var(--navy-2);text-underline-offset:2px}
a:hover{color:var(--gold)}
img,svg{max-width:100%}
ul,ol{padding-left:1.3em;margin:0 0 1.1em}
li{margin:.3em 0}
strong{color:#111a28}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:200}
.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}

/* Header */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.4) blur(6px)}
.hdr{max-width:var(--frame);margin:0 auto;padding:0 18px;height:var(--header-h);display:flex;align-items:center;gap:14px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);min-width:0;flex:1 1 auto}
.brand svg{flex:0 0 auto;width:36px;height:36px}
.brand-name{font:700 1.18rem/1.15 Georgia,serif;color:var(--navy);min-width:min-content}
.nav{display:flex;gap:4px;align-items:center}
.nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem;padding:8px 10px;border-radius:8px;white-space:nowrap}
.nav a:hover,.nav a[aria-current="page"]{background:var(--soft2);color:var(--navy)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--navy);color:#fff!important;text-decoration:none;font-weight:700;border-radius:10px;padding:12px 20px;line-height:1.2;border:0;cursor:pointer;font-size:1rem;white-space:nowrap;box-shadow:0 2px 0 #0d2142}
.btn:hover{background:var(--navy-2)}
.btn-gold{background:var(--gold);box-shadow:0 2px 0 #8a6619}
.btn-gold:hover{background:#a5781f}
.btn-ghost{background:#fff;color:var(--navy)!important;border:1px solid var(--line);box-shadow:none}
.hdr-cta{flex:0 0 auto;padding:10px 16px;font-size:.95rem}
.burger{display:none;flex:0 0 auto;width:44px;height:44px;border:1px solid var(--line);background:#fff;border-radius:10px;align-items:center;justify-content:center;cursor:pointer;color:var(--navy)}
.burger svg{width:22px;height:22px}
.mnav{display:none;border-top:1px solid var(--line);background:#fff;max-height:calc(100vh - var(--header-h));overflow:auto}
.mnav.open{display:block}
.mnav ul{list-style:none;margin:0 auto;padding:8px 18px 18px;max-width:var(--frame)}
.mnav li{margin:0;border-bottom:1px solid var(--soft2)}
.mnav a{display:block;padding:13px 4px;color:var(--ink);text-decoration:none;font-weight:600}
@media (max-width:1060px){.nav{display:none}.burger{display:inline-flex}}
@media (max-width:620px){.hdr{gap:8px;padding:0 12px}.brand{gap:7px}.brand svg{width:30px;height:30px}.brand-name{font-size:.95rem;max-width:5.6em;line-height:1.1}.hdr-cta{padding:10px 12px;font-size:.9rem}}
@media (max-width:400px){.hdr{gap:6px;padding:0 8px}.brand{gap:5px}.brand svg{width:26px;height:26px}.brand-name{font-size:.875rem}.hdr-cta{padding:9px 9px;font-size:.82rem}.burger{width:40px;height:40px}}
@media (max-width:340px){.hdr{gap:5px;padding:0 6px}.brand{gap:4px}.brand svg{width:24px;height:24px}.brand-name{font-size:14px}.hdr-cta{padding:9px 8px;font-size:13px}.burger{width:40px;height:40px}}

/* Layout */
main{display:block}
.wrap{max-width:var(--frame);margin:0 auto;padding:0 18px}
.read{max-width:var(--read);margin:0 auto}
.crumbs{font-size:.88rem;color:var(--muted);margin:18px auto 0;max-width:var(--read)}
.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:4px}
.crumbs li{margin:0}
.crumbs li+li::before{content:"›";margin:0 6px;color:#9aa3b2}
.crumbs a{color:var(--muted)}
.hero{text-align:center;padding:26px 0 8px}
.hero h1{max-width:900px;margin-left:auto;margin-right:auto}
.lead{font-size:1.12rem;color:var(--muted);max-width:720px;margin:0 auto 1em}
.hero-offer{margin:6px 0 4px;font-weight:600}
.hero-cta{margin:10px 0 18px}
.meta-line{font-size:.88rem;color:var(--muted)}
.article{padding-bottom:40px}

/* Components */
.toc{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:16px 20px;margin:24px 0}
.toc strong{display:block;font-family:Georgia,serif;color:var(--navy);margin-bottom:6px}
.toc ol{margin:0;columns:2;column-gap:28px;font-size:.95rem}
.toc li{break-inside:avoid}
@media (max-width:640px){.toc ol{columns:1}}
.verdict{border:1px solid #d9cba6;background:var(--gold-soft);border-left:5px solid var(--gold);border-radius:var(--radius);padding:18px 22px;margin:24px 0}
.verdict .vlabel,.box-label{font:700 .76rem/1 "Source Sans 3",system-ui,sans-serif;text-transform:uppercase;letter-spacing:.09em;color:#8a6619;margin-bottom:8px;display:block}
.verdict p:last-child,.note p:last-child,.card p:last-child{margin-bottom:0}
.note{background:var(--soft);border:1px solid var(--line);border-left:5px solid var(--navy);border-radius:var(--radius);padding:16px 20px;margin:22px 0}
.warn{background:#fdf2f0;border:1px solid #efcdc7;border-left:5px solid var(--bad);border-radius:var(--radius);padding:16px 20px;margin:22px 0}
.warn p:last-child{margin-bottom:0}
.table-wrap{overflow-x:auto;margin:20px 0 26px;border:1px solid var(--line);border-radius:var(--radius);-webkit-overflow-scrolling:touch}
table{border-collapse:collapse;width:100%;font-size:.95rem;min-width:520px}
caption{caption-side:top;text-align:left;font-weight:700;color:var(--navy);padding:12px 14px;background:var(--soft);border-bottom:1px solid var(--line)}
th,td{padding:10px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
thead th{background:#f8f9fb;color:var(--navy);font-weight:700}
tbody tr:last-child td,tbody tr:last-child th{border-bottom:0}
tbody th{font-weight:600}
.proscons{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:22px 0}
.proscons>div{border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px;background:#fff}
.proscons h3,.proscons h4{margin-top:0;font-size:1.08rem}
.proscons .pros{border-top:4px solid var(--ok)}
.proscons .cons{border-top:4px solid var(--bad)}
.proscons ul{margin:0;padding-left:1.1em}
@media (max-width:700px){.proscons{grid-template-columns:1fr}}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;margin:20px 0 26px}
.card{border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px;background:#fff;box-shadow:var(--shadow)}
.card h3,.card h4{margin:0 0 6px;font-size:1.06rem}
.card p{font-size:.96rem}
.steps-wrap>ol{counter-reset:s;list-style:none;padding:0;margin:22px 0}
.steps-wrap>ol>li{counter-increment:s;position:relative;padding:4px 0 14px 54px;margin:0;border-left:2px solid var(--line);margin-left:18px;padding-left:36px}
.steps-wrap>ol>li:last-child{border-left-color:transparent}
.steps-wrap>ol>li::before{content:counter(s);position:absolute;left:-19px;top:0;width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center}
.steps-wrap>ol>li>strong:first-child{display:block;color:var(--navy);font-size:1.05rem}
.bars{margin:22px 0;border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px}
.bars figcaption{font-weight:700;color:var(--navy);margin-bottom:10px}
.bar{display:grid;grid-template-columns:minmax(110px,32%) 1fr;gap:10px;align-items:center;margin:8px 0;font-size:.93rem}
.bar-track{background:var(--soft2);border-radius:6px;height:26px;position:relative}
.bar-fill{background:linear-gradient(90deg,var(--navy),var(--navy-2));height:100%;border-radius:6px;min-width:2px}
.bar-val{position:absolute;right:8px;top:2px;font-weight:700;color:var(--ink);font-size:.86rem}
.bars .fig-note{font-size:.84rem;color:var(--muted);margin:10px 0 0}
.diagram{margin:24px 0;text-align:center}
.diagram figcaption{font-size:.88rem;color:var(--muted);margin-top:6px}
.cta-panel{background:linear-gradient(135deg,#f6f8fc,#eef2f8);border:1px solid var(--line);border-radius:16px;padding:22px 24px;margin:30px 0;text-align:center}
.cta-panel h2,.cta-panel h3{margin-top:0}
.cta-panel p{max-width:600px;margin-left:auto;margin-right:auto}
.cta-inline{margin:20px 0;padding:14px 18px;border:1px dashed #cfd6e2;border-radius:var(--radius);display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}
.cta-inline p{margin:0;flex:1 1 260px}
.faq details{border:1px solid var(--line);border-radius:10px;margin:10px 0;background:#fff}
.faq summary{cursor:pointer;padding:14px 18px;font-weight:700;color:var(--navy);list-style:none;position:relative;padding-right:44px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:18px;top:11px;font-size:1.4rem;color:var(--gold)}
.faq details[open] summary::after{content:"–"}
.faq .ans{padding:0 18px 6px}
.related{background:var(--soft);border-radius:var(--radius);padding:18px 22px;margin:34px 0 10px}
.related h2{margin:0 0 10px;font-size:1.3rem}
.related ul{margin:0;list-style:none;padding:0}
.related li{margin:0;padding:9px 0;border-bottom:1px solid var(--line)}
.related li:last-child{border-bottom:0}
.related a{font-weight:700}
.picks{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:22px 0 30px}
.pick{border:1px solid var(--line);border-radius:16px;padding:20px;background:#fff;box-shadow:var(--shadow);display:flex;flex-direction:column}
.pick.top{border:2px solid var(--gold)}
.pick .rank{font:700 .76rem/1 "Source Sans 3",sans-serif;letter-spacing:.08em;text-transform:uppercase;color:#fff;background:var(--navy);border-radius:999px;padding:6px 10px;align-self:flex-start}
.pick.top .rank{background:var(--gold)}
.pick h3{margin:12px 0 4px}
.pick .bestfor{font-weight:700;color:var(--gold);margin-bottom:8px}
.pick ul{font-size:.94rem;flex:1}
.pick .btn{width:100%;white-space:normal;text-align:center}
@media (max-width:860px){.picks{grid-template-columns:1fr}}
.hubgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:16px;margin:20px 0 30px}
.hubcard{border:1px solid var(--line);border-radius:14px;padding:18px 20px;background:#fff;box-shadow:var(--shadow)}
.hubcard h3{margin:0 0 6px}
.hubcard ul{margin:8px 0 0;padding-left:1.1em;font-size:.95rem}
.final-cta{margin-top:40px}

/* Footer */
.site-footer{background:#0f213d;color:#cfd8e6;margin-top:40px;font-size:.94rem}
.site-footer a{color:#e7edf6}
.ftr{max-width:var(--frame);margin:0 auto;padding:36px 18px 26px;display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:26px}
.ftr h2{color:#fff;font-size:1rem;margin:0 0 10px;font-family:"Source Sans 3",system-ui,sans-serif;letter-spacing:.04em}
.ftr ul{list-style:none;padding:0;margin:0}
.ftr li{margin:6px 0}
.disclosure{max-width:var(--frame);margin:0 auto;padding:16px 18px 28px;border-top:1px solid #2a3d5c;font-size:.86rem;color:#aab6c9}
.disclosure p{margin:0 0 .6em}
@media (max-width:860px){.ftr{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.ftr{grid-template-columns:1fr}}

/* Popup */
.pop-backdrop{position:fixed;inset:0;background:rgba(12,22,40,.55);z-index:300;display:none;align-items:center;justify-content:center;padding:16px}
.pop-backdrop.show{display:flex}
.pop{background:#fff;border-radius:18px;max-width:460px;width:100%;max-height:calc(100vh - 32px);overflow:auto;position:relative;padding:26px 24px 22px;text-align:center;box-shadow:0 20px 60px rgba(0,0,0,.3)}
.pop h2{margin:6px 0 8px;font-size:1.45rem}
.pop p{color:var(--muted);font-size:1rem}
.pop .btn{width:100%;margin-top:4px}
.pop .stay{background:none;border:0;color:var(--muted);text-decoration:underline;cursor:pointer;margin-top:10px;font-size:.95rem;padding:8px}
.pop-x{position:absolute;right:10px;top:10px;width:40px;height:40px;border-radius:50%;border:1px solid var(--line);background:#fff;cursor:pointer;font-size:1.3rem;color:var(--muted);line-height:1}
body.noscroll{overflow:hidden}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
/* Calculators */
.calc{border:1px solid var(--line);border-radius:var(--radius);background:var(--soft);padding:20px;margin:24px 0;box-shadow:var(--shadow)}
.calc h3{margin-top:0}
.calc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:14px 18px}
.calc label{display:block;font-weight:600;font-size:.95rem;margin-bottom:4px;color:var(--ink)}
.calc .hint{display:block;font-weight:400;font-size:.82rem;color:var(--muted)}
.calc input,.calc select{width:100%;padding:10px 12px;border:1px solid #c5cdd9;border-radius:8px;font:inherit;font-size:1rem;background:#fff;color:var(--ink)}
.calc input:focus,.calc select:focus{outline:3px solid rgba(184,137,43,.35);border-color:var(--gold)}
.calc-actions{display:flex;flex-wrap:wrap;gap:10px;margin:16px 0 4px}
.calc-actions button{font:inherit;font-weight:600;padding:9px 14px;border-radius:8px;border:1px solid var(--navy);background:#fff;color:var(--navy);cursor:pointer;min-height:44px}
.calc-actions button:hover{background:var(--navy);color:#fff}
.calc-out{margin-top:16px;background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px 16px}
.calc-out dl{display:grid;grid-template-columns:1fr auto;gap:6px 16px;margin:0}
.calc-out dt{color:var(--muted)}
.calc-out dd{margin:0;font-weight:700;text-align:right;color:var(--ink)}
.calc-out .total dt,.calc-out .total dd{color:var(--navy);font-size:1.08rem;border-top:1px solid var(--line);padding-top:8px}
.calc-note{font-size:.85rem;color:var(--muted);margin:10px 0 0}