:root{--ink:#092330;--muted:#516473;--line:#dbe4e5;--cream:#f7f8f5;--navy:#071f2b;--green:#c9fa86;--teal:#0b7969;--pale:#eef5e9;--blue:#e4edf0;--orange:#fce8cd;--card:#fff;--radius:18px;--shadow:0 20px 50px rgba(4,32,45,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;line-height:1.65}a{color:#006e65;text-underline-offset:3px}a:hover{color:#003b46}button,input,select{font:inherit}button{cursor:pointer}img,svg{max-width:100%}::selection{background:#c9fa86;color:#071f2b}:focus-visible{outline:3px solid #219f86;outline-offset:3px} .wrap{width:min(1180px,calc(100% - 44px));margin-inline:auto}.narrow{width:min(770px,100%)}.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip{position:absolute;top:-100px;left:20px;background:#fff;color:#000;padding:12px;z-index:500}.skip:focus{top:10px}
.utility{background:#0c3540;color:#d7e4e4;font-size:12px;padding:8px 0;letter-spacing:.02em}.utility .wrap{display:flex;justify-content:space-between;gap:20px}.utility a{color:#d5eae3}.site-header{background:var(--navy);color:white;position:sticky;top:0;z-index:200;border-bottom:1px solid #34505b}.header-inner{display:flex;gap:22px;align-items:center;justify-content:space-between;min-height:76px}.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;flex-shrink:0}.brandmark{height:38px;width:38px;background:var(--green);color:var(--navy);border-radius:12px;display:grid;place-items:center;font-weight:900;font-size:23px;line-height:1}.brandtext{font-weight:800;letter-spacing:-.045em;font-size:19px;line-height:1.05}.brandtext small{display:block;font-size:10px;letter-spacing:.19em;text-transform:uppercase;color:#b0c3c8;font-weight:700;margin-top:4px}.nav{display:flex;gap:25px;align-items:center}.nav a{color:#d8e4e6;text-decoration:none;font-size:13px;font-weight:700}.nav a:hover,.nav a[aria-current=page]{color:var(--green)}.header-cta{background:var(--green);color:var(--navy)!important;padding:11px 17px;border-radius:100px;white-space:nowrap}.menu-toggle{display:none;background:transparent;border:1px solid #57747b;color:white;padding:9px 12px;border-radius:9px}
.hero{background:var(--navy);color:#f5f8f8;position:relative;overflow:hidden;padding:85px 0 100px}.hero:before{content:"";position:absolute;width:600px;height:600px;background:radial-gradient(circle,rgba(113,201,176,.18),transparent 68%);right:-175px;top:-90px;pointer-events:none}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:6%;align-items:center}.eyebrow{font-size:12px;letter-spacing:.15em;text-transform:uppercase;font-weight:800;color:#44736c;display:block;margin-bottom:16px}.hero .eyebrow{color:var(--green)}.hero h1{font-size:clamp(43px,5.4vw,78px);letter-spacing:-.066em;line-height:1.045;margin:0 0 24px;max-width:780px}.hero .lede{font-size:19px;color:#c6d9dc;max-width:600px;line-height:1.6;margin:0 0 30px}.button-row{display:flex;flex-wrap:wrap;gap:12px}.button{display:inline-flex;align-items:center;justify-content:center;gap:9px;padding:13px 21px;min-height:46px;border-radius:100px;font-weight:800;font-size:14px;text-decoration:none;border:1px solid transparent;transition:transform .15s,background .15s;line-height:1.25;text-align:center}.button:hover{transform:translateY(-1px)}.button.primary{color:#05252d;background:var(--green)}.button.primary:hover{background:#aeed66}.button.outline{color:#fff;border-color:#6b8289;background:transparent}.button.ghost{color:var(--ink);border-color:#9baeb0;background:white}.button.dark{background:var(--ink);color:white}.button.small{padding:9px 14px;min-height:39px;font-size:12px}
.panel{background:#0d3140;border:1px solid #38616b;border-radius:24px;box-shadow:0 25px 70px #0004;padding:24px;position:relative}.panel-top{display:flex;align-items:center;justify-content:space-between;font-size:12px;color:#bdd5d6;padding-bottom:22px;border-bottom:1px solid #325262;font-weight:700}.status{display:inline-flex;align-items:center;gap:7px}.status:before{content:"";background:#b8f984;width:8px;height:8px;display:block;border-radius:100%}.diagram{display:flex;flex-direction:column;gap:12px;padding:24px 0}.node{display:flex;align-items:center;justify-content:space-between;gap:16px;background:#153f4d;padding:16px 18px;border:1px solid #315e67;border-radius:12px;font-size:14px}.node strong{color:white}.node em{font-style:normal;color:#9cc2bb;font-size:12px}.node.highlight{background:#bdf29b;color:#092c2c;border-color:#bdf29b}.node.highlight strong,.node.highlight em{color:#143627}.flow-connector{height:19px;border-left:2px dashed #689387;margin-left:28px}.diagram-foot{font-size:12px;color:#a3c4cb;border-top:1px solid #325262;padding-top:14px}
.section{padding:76px 0}.section.alt{background:#edf2ef}.section-head{max-width:730px;margin-bottom:28px}.section-head h2{font-size:clamp(30px,3.7vw,49px);letter-spacing:-.055em;line-height:1.12;margin:0 0 15px}.section-head p{font-size:17px;color:var(--muted);margin:0}.two-col{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.three-col{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.four-col{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}.card{border:1px solid var(--line);background:#fff;border-radius:var(--radius);padding:27px;box-shadow:0 5px 22px #0b3b3908}.card h3{line-height:1.22;letter-spacing:-.035em;font-size:23px;margin:0 0 11px}.card p{color:var(--muted);margin:0 0 18px;font-size:15px}.card .tag,.tag{display:inline-block;border-radius:100px;background:#e7f6e6;color:#215c4d;padding:5px 11px;font-size:11px;text-transform:uppercase;letter-spacing:.08em;font-weight:850;margin-bottom:15px}.card .tag.blue{background:#edf2fb;color:#375679}.card .meta{font-size:12px;color:#75898d;text-transform:uppercase;letter-spacing:.08em;font-weight:800}.card .read-link{font-size:13px;font-weight:800;text-decoration:none}.card:hover{border-color:#a3cbb5}.dark-card{background:var(--navy);color:white}.dark-card p{color:#c8d5d6}.dark-card .read-link{color:var(--green)}.lane{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}.lane-step{padding:18px;border-top:4px solid #0b7969;background:#fff;border-radius:0 0 12px 12px}.lane-step strong{display:block;margin-bottom:8px}.lane-step span{font-size:13px;color:var(--muted)}.mini-kicker{font-size:11px;font-weight:850;letter-spacing:.14em;text-transform:uppercase;color:#63827c}
.subhero{background:var(--navy);color:white;padding:55px 0 64px}.subhero .eyebrow{color:var(--green)}.subhero h1{font-size:clamp(36px,4.8vw,63px);letter-spacing:-.06em;line-height:1.12;margin:6px 0 16px;max-width:900px}.subhero .summary{font-size:18px;color:#c5d6db;line-height:1.62;max-width:780px;margin:0}.breadcrumb{font-size:12px;color:#b7ccd0;margin-bottom:20px;display:flex;gap:9px;flex-wrap:wrap}.breadcrumb a{color:#b7ccd0}.reading-meta{font-size:12px;color:#bfd2d2;margin-top:23px;display:flex;gap:20px;flex-wrap:wrap}
.article-layout{display:grid;grid-template-columns:minmax(0,745px) 285px;justify-content:space-between;align-items:start;gap:45px;padding:46px 0 88px}.article{min-width:0}.article h2{font-size:clamp(27px,2.6vw,37px);letter-spacing:-.05em;line-height:1.2;margin:52px 0 15px;scroll-margin-top:110px}.article h3{font-size:21px;letter-spacing:-.035em;line-height:1.3;margin:31px 0 9px}.article p,.article li{font-size:16px;line-height:1.8;color:#2e4651}.article p{margin:0 0 18px}.article ul,.article ol{padding-left:24px;margin:0 0 22px}.article li{margin-bottom:8px}.article strong{color:#0a2c36}.article a{font-weight:700}.article blockquote{border-left:4px solid #0d8068;background:#edf6ee;padding:21px 24px;margin:30px 0;border-radius:0 14px 14px 0}.article blockquote p{margin:0;color:#123c32;font-weight:680}.article .intro{font-size:18px;color:#2a4853;line-height:1.72}.article .takeaway{background:#e8f5ed;border:1px solid #bcdcc8;border-radius:15px;padding:20px 23px;margin-bottom:31px}.article .takeaway p{margin:0}.article .notice{background:#fff2de;border:1px solid #ead3ac;border-radius:13px;padding:16px 18px;margin:20px 0;color:#574522;font-size:14px}.article .notice strong{color:#6e4c1c}.article .cite-line{font-size:14px}.article .cite-line a{font-weight:600}.article .checklist{background:white;border:1px solid var(--line);border-radius:16px;padding:22px 25px;margin:26px 0}.article .checklist li{margin-bottom:10px}.article .grid-panel{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:24px 0}.article .grid-panel>div{background:white;border:1px solid var(--line);padding:20px;border-radius:14px}.article .grid-panel p{font-size:14px}.table-wrap{width:100%;overflow:auto;margin:24px 0 28px;border:1px solid var(--line);background:white;border-radius:14px}.data-table{width:100%;border-collapse:collapse;min-width:600px;font-size:14px}.data-table th,.data-table td{padding:15px;vertical-align:top;text-align:left;border-bottom:1px solid #e4eaea}.data-table th{background:#eaf0ef;font-weight:800;color:#0c3237;white-space:nowrap}.data-table tr:last-child td{border:0}.table-wrap caption{text-align:left;font-size:12px;caption-side:bottom;padding:12px;color:#60757a}.aside{position:sticky;top:108px}.aside-box{background:white;padding:23px;border:1px solid var(--line);border-radius:16px;margin-bottom:17px}.aside-box h2{font-size:14px;letter-spacing:.02em;margin:0 0 13px}.aside-box ol{padding-left:19px;font-size:13px;margin:0}.aside-box li{margin-bottom:12px}.aside-box li a{text-decoration:none;font-size:13px;color:#42646a}.aside-box .aside-links a{display:block;text-decoration:none;padding:9px 0;border-top:1px solid #e5ebeb;font-weight:700;font-size:13px}.affiliate-disclosure{background:#eef6ed;border:1px solid #bed9c2;border-radius:11px;padding:12px 15px;font-size:13px;color:#225346;margin:20px 0}.conversion{background:var(--navy);color:#fff;padding:27px;border-radius:18px;margin:32px 0;box-shadow:var(--shadow)}.conversion h3{font-size:24px;color:white;margin:0 0 10px}.conversion p{color:#c6d8da;margin:0 0 16px;font-size:14px}.conversion .fineprint{font-size:12px;color:#c0d2d4;margin:11px 0 0}.conversion .button{margin:4px 6px 4px 0}.linktrail{background:#edf3f1;border:1px solid #d4e5dc;padding:23px;border-radius:16px;margin-top:44px}.linktrail h2{margin:0 0 12px;font-size:23px}.linktrail a{display:block;font-size:15px;margin:9px 0}.sources{border-top:1px solid var(--line);margin-top:40px;padding-top:18px}.sources h2{margin-top:0;font-size:22px}.sources ol{font-size:13px;padding-left:19px}.sources li{font-size:13px;line-height:1.6;overflow-wrap:anywhere}.sources a{font-size:13px}
.calc{background:white;border:1px solid var(--line);border-radius:19px;padding:26px;margin:29px 0;box-shadow:var(--shadow)}.calc-header{display:flex;justify-content:space-between;align-items:flex-start;gap:15px}.calc-header h3{margin:0}.calc label{font-weight:800;font-size:13px;display:block;margin-bottom:8px;color:#1a4248}.calc-fields{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:17px;margin-top:22px}.calc input,.calc select{border:1px solid #a9bfbe;border-radius:10px;padding:12px 10px;display:block;width:100%;color:#113c41;background:#fafdfe;min-height:45px}.calc input:focus{outline:3px solid #c2f5e5;outline-offset:0}.calc-output{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:23px 0}.output{background:#e6f2ed;padding:18px;border-radius:14px}.output small{font-size:12px;display:block;color:#42655f;font-weight:800}.output strong{font-size:clamp(20px,2.4vw,30px);font-variant-numeric:tabular-nums;line-height:1.3}.calc-details{font-size:13px;color:#647b7a;margin:8px 0}.calc .comparison{background:#f4f8fa;border:1px solid #dbe6ea;border-radius:12px;padding:18px;margin-top:16px}.calc .comparison p{font-size:13px;margin:3px 0}.calc .comparison strong{display:block;font-size:20px}.calc .calc-note{font-size:12px;color:#657674;margin:18px 0 0}.calc .button{margin-top:13px}
.site-footer{background:var(--navy);color:#d4e2e5;padding:60px 0 20px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.1fr;gap:30px}.footer-grid .logo{margin-bottom:20px}.footer-grid p{font-size:13px;max-width:330px;color:#a9bdc2}.footer-grid h3{font-size:13px;margin:0 0 19px;color:white}.footer-grid a{color:#b9cdd2;display:block;text-decoration:none;font-size:13px;margin-bottom:10px}.footer-grid a:hover{color:var(--green)}.footer-bottom{border-top:1px solid #345462;margin-top:35px;padding-top:20px;font-size:12px;color:#9bb8bf;display:flex;justify-content:space-between;gap:20px}
.prose-page{width:min(780px,calc(100% - 44px));margin:55px auto 100px}.prose-page h1{font-size:clamp(40px,5vw,60px);letter-spacing:-.06em;line-height:1.1}.prose-page h2{font-size:26px;margin-top:35px}.prose-page p,.prose-page li{line-height:1.85;color:#344e58}
@media (max-width:1050px){.nav{gap:14px}.header-inner{gap:12px}.nav a{font-size:12px}.article-layout{grid-template-columns:1fr 240px;gap:23px}.brandtext{font-size:16px}.hero{padding:65px 0}.footer-grid{grid-template-columns:2fr 1fr 1fr}}
@media (max-width:770px){.utility .wrap{display:block}.utility span:last-child{display:none}.header-inner{min-height:67px;flex-wrap:wrap}.menu-toggle{display:block}.nav{display:none;order:10;width:100%;padding:8px 0 17px;flex-direction:column;align-items:stretch;gap:0}.nav.open{display:flex}.nav a{font-size:14px;padding:12px 0;border-top:1px solid #254852}.nav a.header-cta{margin-top:10px;padding:13px 16px;text-align:center}.hero-grid{grid-template-columns:1fr}.hero{padding:55px 0}.hero h1{font-size:clamp(42px,9vw,63px)}.panel{max-width:560px;margin:20px 0 0}.section{padding:52px 0}.two-col,.three-col,.four-col{grid-template-columns:1fr 1fr}.lane{grid-template-columns:1fr 1fr}.article-layout{display:block}.aside{display:none}.subhero{padding:42px 0 50px}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}.calc-fields{grid-template-columns:1fr 1fr}.calc-output{grid-template-columns:1fr 1fr}.calc-output>.output:first-child{grid-column:1/-1}}
@media(max-width:510px){.wrap{width:calc(100% - 30px)}.brandtext{font-size:15px}.brandmark{width:34px;height:34px}.two-col,.three-col,.four-col,.lane,.calc-fields,.calc-output,.article .grid-panel,.footer-grid{grid-template-columns:1fr}.footer-grid>div:first-child,.calc-output>.output:first-child{grid-column:auto}.article p,.article li{font-size:15px}.article h2{font-size:28px}.hero .lede{font-size:17px}.card{padding:23px}.footer-bottom{display:block}.calc{padding:17px}.calc-header{display:block}.button-row .button{flex:1 1 100%}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* Production affiliate conversion and accessible offer dialog */
.nav .nav-compare{color:#d8e4e6}
.nav .nav-compare:hover{color:var(--green)}
.article-hero-actions{margin-top:23px}
.article-hero-actions .button{font-size:13px}
.editorial-decision{border:1px solid #bddbcf;background:#f0f7ed;padding:19px 21px 22px;border-radius:16px;margin:21px 0 30px}
.editorial-decision>strong{display:block;font-size:16px;line-height:1.4;margin-bottom:9px}
.article .editorial-decision p{font-size:15px;line-height:1.65;margin:0 0 10px}
.article .editorial-decision p.decision-caveat{color:#547269;font-size:13px;margin:0 0 14px}
.editorial-decision .button{margin-top:4px}
.offer-strip{border:1px solid #bfcfd0;background:#f6f9f7;border-radius:16px;padding:18px 20px;margin:25px 0}
.article .offer-strip p{margin-bottom:13px;font-size:15px}
.intent-bridge{padding:0 0 8px}
.affiliate-overlay{position:fixed;inset:0;background:rgba(4,23,31,.52);z-index:1300;display:flex;align-items:center;justify-content:center;padding:18px}
.affiliate-modal{position:relative;background:#fff;color:var(--ink);width:min(470px,100%);border-radius:21px;padding:31px 29px 26px;box-shadow:0 25px 80px #001b28aa;max-height:min(86vh,720px);overflow:auto}
.offer-close{position:absolute;right:13px;top:12px;border:0;width:40px;height:40px;background:#eaf0ef;border-radius:50%;font-size:26px;line-height:1;color:#123842}
.offer-eyebrow{display:block;color:#376a63;font-weight:850;letter-spacing:.12em;text-transform:uppercase;font-size:11px;margin:0 45px 12px 0}
.affiliate-modal h2{font-size:clamp(25px,3vw,33px);line-height:1.16;letter-spacing:-.04em;margin:0 35px 13px 0}
.affiliate-modal p{font-size:15px;line-height:1.6;color:#42616a;margin:0 0 18px}
.affiliate-modal .offer-action{width:100%;font-size:15px}
.affiliate-modal .offer-disclosure{font-size:11px;color:#5c747c;margin:13px 0}
.affiliate-modal .offer-read{display:block;font-size:13px;font-weight:700}
@media(max-width:770px){.nav .nav-compare{border-top:1px solid #254852}.nav .header-cta{margin-bottom:5px}}
@media(max-width:510px){
 .affiliate-overlay{align-items:flex-end;padding:0}
 .affiliate-modal{width:100%;max-height:min(78dvh,640px);border-radius:20px 20px 0 0;padding:25px 20px calc(21px + env(safe-area-inset-bottom))}
 .offer-close{top:10px;right:12px}
 .affiliate-modal h2{font-size:26px}
 .article-hero-actions .button{width:100%}
}


/* Authority library and research-heavy guides */
.library-group{padding-top:2.5rem;margin-top:1.5rem;border-top:1px solid rgba(15,45,55,.14);scroll-margin-top:6rem}
.library-group .section-head{margin-bottom:1.35rem}
.article pre{background:#092935;color:#e4f5ed;padding:1.2rem;border-radius:12px;white-space:pre;overflow-x:auto;max-width:100%;line-height:1.6;font-size:.86rem}
.article pre code{background:transparent;color:inherit}
.article .related-detail{margin-top:2rem;border-top:1px solid rgba(15,45,55,.18);padding-top:1.5rem}
.article .related-detail p{line-height:1.85}
.site-footer .footer-grid{grid-template-columns: minmax(220px,1.4fr) repeat(4,minmax(130px,1fr));gap:2rem}
@media(max-width:1100px){.site-footer .footer-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(max-width:680px){.site-footer .footer-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:1.7rem}.site-footer .footer-grid>div:first-child{grid-column:span 2}}