:root{--ink:#14202b;--muted:#5b6875;--line:#e3e7ec;--bg:#fbfaf7;--paper:#fff;--blue:#0f4c81;--blue-d:#0a3459;--sun:#f2b134;--terra:#c8553d;--green:#2e7d5b;--radius:14px;--serif:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,serif;--sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font:17px/1.65 var(--sans);color:var(--ink);background:var(--bg)}
a{color:var(--blue)}a:hover{color:var(--blue-d)}img{max-width:100%;height:auto}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
header.site{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:600;font-size:18px}.logo b,.logo-f b{color:var(--blue)}
header.site nav{display:flex;gap:4px;flex-wrap:wrap}header.site nav a{text-decoration:none;color:var(--ink);padding:8px 10px;border-radius:8px;font-size:15px}header.site nav a:hover{background:#eef3f8}
.hero{background:linear-gradient(135deg,#0f4c81 0%,#12609f 60%,#1b74b8 100%);color:#fff;padding:64px 0 56px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-80px;top:-80px;width:300px;height:300px;border-radius:50%;background:var(--sun);opacity:.9}
.hero .wrap{position:relative;z-index:1}.hero h1{font:600 clamp(32px,5vw,52px)/1.1 var(--serif);margin:0 0 16px;max-width:760px}.hero h1 span{color:#ffe1a1}.hero p{max-width:640px;font-size:19px;opacity:.95}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.btn{display:inline-block;background:var(--sun);color:#1b1300;text-decoration:none;font-weight:600;padding:12px 18px;border-radius:10px;border:0;cursor:pointer;font-size:16px}.btn:hover{background:#ffc552;color:#1b1300}
.btn.ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.7)}.btn.ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.section-title{font:600 26px/1.2 var(--serif);margin:48px 0 16px}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:18px}
.card{display:block;background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px;text-decoration:none;color:var(--ink);transition:box-shadow .15s,transform .15s}
.card:hover{box-shadow:0 8px 24px rgba(15,76,129,.12);transform:translateY(-2px);color:var(--ink)}.card h3{font:600 20px/1.3 var(--serif);margin:6px 0 8px}.card p{margin:0;color:var(--muted);font-size:15px}
.card.big{margin-top:-36px;position:relative;z-index:2;padding:28px 30px;border-top:4px solid var(--sun)}.card.big h2{font:600 30px/1.2 var(--serif);margin:6px 0 10px}
.card.cat .count{display:inline-block;margin-top:12px;font-size:13px;color:var(--green);font-weight:600}
.kicker{text-transform:uppercase;letter-spacing:.08em;font-size:12px;font-weight:700;color:var(--terra)}
.article{max-width:760px;padding-top:28px;padding-bottom:40px}.article h1{font:600 clamp(30px,4.5vw,44px)/1.15 var(--serif);margin:8px 0 14px}
.lede{font-size:20px;color:#2b3946}.meta{color:var(--muted);font-size:14px}.crumbs{font-size:14px;color:var(--muted)}.crumbs a{color:var(--muted)}
.disclosure{font-size:14px;background:#fff8e6;border:1px solid #f6dfa3;padding:10px 14px;border-radius:10px;color:#5a4610}
.prose h2{font:600 28px/1.25 var(--serif);margin:40px 0 12px;scroll-margin-top:80px}.prose h3{font:600 21px/1.3 var(--serif);margin:28px 0 8px}
.prose li{margin:6px 0}.takeaways{background:#eef5fb;border-radius:var(--radius);padding:6px 22px 10px;margin:22px 0}.takeaways h2{font:600 18px var(--sans);margin:14px 0 4px}
.toc{border:1px solid var(--line);border-radius:var(--radius);padding:6px 22px;background:var(--paper);font-size:15px}.toc h2{font:600 15px var(--sans);text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
.callout{border-left:4px solid var(--blue);background:#f1f6fb;padding:12px 18px;border-radius:0 10px 10px 0;margin:22px 0}.callout p{margin:4px 0}.callout.warn{border-color:var(--terra);background:#fcf1ee}.callout.tip{border-color:var(--green);background:#eef7f2}
.table-wrap{overflow-x:auto;margin:20px 0}table{border-collapse:collapse;width:100%;font-size:15px;background:var(--paper)}th,td{border:1px solid var(--line);padding:9px 12px;text-align:left;vertical-align:top}th{background:#f3f5f8}caption{text-align:left;font-size:14px;color:var(--muted);padding-bottom:6px}
.product{display:flex;gap:20px;align-items:center;justify-content:space-between;border:1px solid var(--line);border-radius:var(--radius);padding:18px 22px;background:var(--paper);margin:20px 0;flex-wrap:wrap}.product>div{flex:1 1 380px}.product h3{margin:0 0 4px !important}
.bestfor{color:var(--green);font-weight:600;font-size:14px;margin:0 0 6px}.pros li::marker{content:"+ ";color:var(--green)}.cons li::marker{content:"– ";color:var(--terra)}
.faq details{border-bottom:1px solid var(--line);padding:12px 0}.faq summary{cursor:pointer;font-weight:600}
.sources{font-size:14px;color:var(--muted);border-top:1px solid var(--line);margin-top:36px}.sources h2{font:600 18px var(--sans)}
.newsletter{background:#10283f;color:#fff;border-radius:var(--radius);padding:26px 28px;margin:44px 0}.newsletter h2{font:600 24px/1.25 var(--serif);margin:0 0 6px;color:#fff}.newsletter p{opacity:.92}
.newsletter form{display:flex;gap:10px;flex-wrap:wrap;margin-top:12px}.newsletter input[type=email]{flex:1 1 260px;padding:12px 14px;border-radius:10px;border:0;font-size:16px}.newsletter .small{font-size:13px}.newsletter a{color:#ffe1a1}
.hp{position:absolute;left:-9999px}
.related{margin-top:30px}.related h2{font:600 22px var(--serif)}
.cat-head{padding:30px 0 10px}.cat-head h1{font:600 40px/1.15 var(--serif);margin:6px 0}
footer.site{background:#0d1b28;color:#c9d3dc;margin-top:60px;padding:40px 0 20px;font-size:15px}footer.site a{display:block;color:#c9d3dc;text-decoration:none;padding:3px 0}footer.site a:hover{color:#fff}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:28px}footer h4{color:#fff;margin:0 0 8px;font-size:14px;text-transform:uppercase;letter-spacing:.06em}.logo-f{font-size:18px;color:#fff;margin-top:0}footer .fine{border-top:1px solid #23384b;margin-top:26px;padding-top:14px;font-size:13px;color:#8fa1b2}
.calc{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin:20px 0}.calc label{display:block;font-weight:600;font-size:15px;margin:12px 0 4px}.calc input,.calc select{width:100%;padding:10px 12px;border:1px solid #c9d1da;border-radius:8px;font-size:16px}
.calc .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}.calc output{display:block}.result{background:#eef7f2;border-radius:10px;padding:14px 18px;margin-top:18px}.result strong{font-size:22px;color:var(--green)}
@media (max-width:760px){footer .cols{grid-template-columns:1fr 1fr}.calc .row{grid-template-columns:1fr}.hero:after{width:180px;height:180px;right:-60px;top:-60px}header.site nav a{padding:6px 8px;font-size:14px}}
.newsletter button{background:var(--sun);color:#1b1300;border:0;border-radius:10px;padding:12px 18px;font-weight:600;font-size:16px;cursor:pointer}.newsletter button:hover{background:#ffc552}
@media (max-width:760px){header.site{position:static}header.site nav{flex-wrap:nowrap;overflow-x:auto;width:100%;padding-bottom:6px;-webkit-overflow-scrolling:touch}header.site nav a{white-space:nowrap}.hero:after{opacity:.35}.hero{padding:44px 0 48px}}