:root{--navy:#0b2035;--navy2:#173f61;--teal:#42b9a7;--teal-dark:#167c70;--ink:#142a3d;--muted:#5d7284;--line:#d8e3e9;--wash:#f3f7f8;--paper:#fff;--amber:#fff4d6;--amber-line:#dda91e;--green:#e5f5f1;--red:#fff0ec;--red-line:#ce6956}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--wash);color:var(--ink);font-family:Inter,"Segoe UI",Arial,sans-serif;line-height:1.68}
a{color:#126c75;text-underline-offset:3px}
.site-nav{height:64px;padding:0 max(20px,calc((100vw - 1160px)/2));display:flex;align-items:center;justify-content:space-between;background:var(--navy)}
.logo{color:#fff;text-decoration:none;font-size:1.23rem;font-weight:850;letter-spacing:.01em}.logo span{color:var(--teal)}
.nav-links{display:flex;gap:24px}.nav-links a{color:#d8e7ef;text-decoration:none;font-size:.93rem}.nav-links a:hover{color:#fff}
.hero{background:radial-gradient(circle at 88% 15%,rgba(66,185,167,.25),transparent 28%),linear-gradient(135deg,var(--navy2),var(--navy));color:#fff;padding:64px 24px 70px}
.hero-inner{max-width:1080px;margin:auto}.crumbs{font-size:.84rem;color:#bdd0dc;margin-bottom:24px}.crumbs a{color:#d7e8ee}
.eyebrow{color:#70d8ca;text-transform:uppercase;letter-spacing:.13em;font-weight:800;font-size:.77rem}
.hero h1{font-size:clamp(2.2rem,5vw,4.15rem);line-height:1.04;letter-spacing:-.045em;max-width:960px;margin:14px 0 22px}
.hero-lead{font-size:clamp(1.04rem,2vw,1.25rem);color:#dbe8ee;max-width:780px;margin:0}
.answer-strip{max-width:1080px;margin:-31px auto 0;background:#fff;border-radius:14px;box-shadow:0 18px 45px rgba(9,31,49,.14);padding:24px 28px;border-top:5px solid var(--teal);position:relative}
.answer-strip strong{display:block;font-size:1.18rem;margin-bottom:5px}
.layout{max-width:1080px;margin:42px auto;padding:0 24px 72px;display:grid;grid-template-columns:minmax(0,1fr) 260px;gap:56px}
.content{min-width:0}.content h2{font-size:clamp(1.5rem,3vw,2rem);line-height:1.22;letter-spacing:-.025em;margin:52px 0 16px;color:var(--navy)}
.content h2:first-child{margin-top:0}.content h3{font-size:1.18rem;line-height:1.35;margin:29px 0 8px}.content p{margin:0 0 17px}.lede{font-size:1.08rem}
.content ul,.content ol{margin:0 0 20px;padding-left:24px}.content li{margin:7px 0}.content li::marker{color:var(--teal-dark);font-weight:700}
.toc{position:sticky;top:24px;align-self:start;background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px}.toc strong{display:block;margin-bottom:10px}.toc a{display:block;text-decoration:none;padding:7px 0;color:#496173;font-size:.9rem;border-bottom:1px solid #edf1f3}.toc a:last-child{border:0}
.callout{border-radius:10px;padding:19px 21px;margin:24px 0}.callout-green{background:var(--green);border-left:4px solid #23917f}.callout-amber{background:var(--amber);border-left:4px solid var(--amber-line)}.callout-red{background:var(--red);border-left:4px solid var(--red-line)}
.compare-grid,.card-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:15px;margin:22px 0}.compare-grid.three{grid-template-columns:repeat(3,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:11px;padding:20px}.card h3{margin:0 0 8px}.card p:last-child{margin-bottom:0}.card.teal{border-top:4px solid var(--teal)}.card.amber{border-top:4px solid #e4b033}.card.navy{border-top:4px solid var(--navy2)}
.table-wrap{overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:11px;background:#fff}table{width:100%;border-collapse:collapse;min-width:660px}th,td{text-align:left;padding:13px 15px;border-bottom:1px solid var(--line);vertical-align:top}th{background:#eaf2f4;color:var(--navy);font-size:.86rem}tr:last-child td{border:0}
.steps{counter-reset:step;list-style:none!important;padding:0!important}.steps li{counter-increment:step;position:relative;padding:13px 0 13px 48px;border-bottom:1px solid var(--line);margin:0}.steps li::before{content:counter(step);position:absolute;left:0;top:10px;width:30px;height:30px;border-radius:50%;background:var(--teal);color:var(--navy);display:grid;place-items:center;font-weight:850}
.checklist{background:var(--navy);color:#fff;border-radius:14px;padding:26px 28px;margin:24px 0}.checklist h3{margin:0 0 12px;color:#fff}.checklist ul{margin:0}.checklist li{color:#dce8ee}
.faq details{background:#fff;border:1px solid var(--line);border-radius:9px;margin:9px 0;padding:14px 17px}.faq summary{cursor:pointer;font-weight:750;color:var(--navy)}.faq details p{margin:11px 0 2px;color:#43596a}
.source-list{font-size:.9rem}.source-list li{margin:8px 0}.related{background:linear-gradient(135deg,#e2f5f1,#f8fbfb);border:1px solid #a4d9d0;border-radius:14px;padding:26px;margin-top:38px}.related h2{margin:0 0 9px}.related-links{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}
.btn{display:inline-block;padding:11px 17px;border-radius:7px;background:var(--navy);color:#fff;text-decoration:none;font-weight:750}.btn.alt{background:#fff;color:var(--navy);border:1px solid #aac0ce}
.reviewed{font-size:.86rem;color:var(--muted);border-top:1px solid var(--line);padding-top:18px;margin-top:38px}
.site-footer{background:var(--navy);color:#94adbd;text-align:center;padding:28px 20px;font-size:.86rem}.site-footer a{color:#78d4c8}
@media(max-width:860px){.layout{grid-template-columns:1fr}.toc{display:none}.compare-grid.three{grid-template-columns:1fr 1fr}}
@media(max-width:650px){.site-nav{height:auto;min-height:64px;flex-wrap:wrap;padding:12px 18px 9px}.nav-links{order:3;flex-basis:100%;display:flex;gap:18px;overflow-x:auto;padding-top:9px;scrollbar-width:none}.nav-links::-webkit-scrollbar{display:none}.nav-links a{white-space:nowrap;font-size:.86rem}.hero{padding-top:45px}.answer-strip{margin-left:16px;margin-right:16px}.layout{gap:0;padding-left:18px;padding-right:18px}.compare-grid,.compare-grid.three,.card-grid{grid-template-columns:1fr}.hero h1{font-size:2.25rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}