:root{--bg:#fff;--surface:#f4f5f7;--surface2:#eceef2;--border:#dde1e7;--text:#1d2733;--muted:#56606d;--accent:#7a5c14;--accent-hover:#5f470f;--gold:#c9a34a;--goldbg:#fbf7ee;--link:#1f4e79;--warnbg:#fff6e5;--warnb:#d9a441}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font:18px/1.7 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
h1,h2,h3,h4{font-family:Georgia,"Times New Roman",serif;line-height:1.25;color:#141c26}
h2{font-size:1.65rem;margin:2.2em 0 .6em}
h3{font-size:1.3rem;margin:1.7em 0 .4em}
h4{font-size:1.1rem;margin:1.4em 0 .3em}
a{color:var(--link)}
img{max-width:100%;height:auto}
.wrap{max-width:1080px;margin:0 auto;padding:0 16px}
.topbar{background:var(--surface);border-bottom:1px solid var(--border);position:-webkit-sticky;position:sticky;top:0;z-index:100;box-shadow:0 1px 6px rgba(0,0,0,.06)}
[id]{scroll-margin-top:84px}
.topbar-in{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:62px}
.kw{font-weight:700;font-size:1rem;color:#141c26}
.btn{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;font-weight:700;padding:13px 24px;border-radius:8px;font-size:1.05rem;line-height:1.2;text-align:center}
.btn:hover,.btn:focus{background:var(--accent-hover);color:#fff}
.btn-sm{padding:10px 16px;font-size:.95rem;white-space:nowrap}
.sitenav{border-bottom:1px solid var(--border);background:#fff}
.nav-in{display:flex;align-items:center;gap:24px;min-height:56px}
.brand{display:flex;align-items:center;gap:8px;font-family:Georgia,serif;font-weight:700;font-size:1.15rem;color:var(--text);text-decoration:none;white-space:nowrap}
.navlinks{display:flex;gap:18px;list-style:none;margin:0;padding:0;overflow-x:auto;white-space:nowrap;scrollbar-width:thin}
.navlinks a{color:var(--muted);text-decoration:none;font-size:.95rem;display:inline-block;padding:10px 0}
.navlinks a:hover{color:var(--accent)}
@media(max-width:820px){.nav-in{flex-direction:column;align-items:flex-start;gap:0;padding-top:8px}.navlinks{width:100%}}
.disclosure-bar{background:var(--surface);border-bottom:1px solid var(--border);font-size:.85rem;color:var(--muted);text-align:center;padding:8px 16px;margin:0}
.crumbs{font-size:.9rem;color:var(--muted);margin:18px 0 0}
.crumbs a{color:var(--muted)}
.hero{text-align:center;padding:24px 0 34px;border-bottom:1px solid var(--border);margin-bottom:8px}
.hero h1{font-size:clamp(1.85rem,4.2vw,2.6rem);max-width:860px;margin:.3em auto .35em}
.byline{font-size:.9rem;color:var(--muted);margin:0 0 18px}
.offer-line{font-size:1.15rem;margin:0 0 14px}
.content{max-width:760px;margin:0 auto}
.content p,.content li{color:var(--text)}
.lead{font-size:1.15rem}
.toc{background:var(--surface);border:1px solid var(--border);border-radius:10px;padding:14px 18px;margin:26px 0}
.toc strong{display:block;margin-bottom:6px;font-family:Georgia,serif}
.toc ol{margin:0;padding-left:20px;font-size:.98rem}
.table-wrap{overflow-x:auto;margin:20px 0;border:1px solid var(--border);border-radius:10px}
table{width:100%;border-collapse:collapse;font-size:.95rem;min-width:520px}
th,td{padding:11px 14px;text-align:left;vertical-align:top;border-bottom:1px solid var(--border)}
th{background:var(--surface);font-weight:700}
tr:last-child td{border-bottom:0}
.note,.warn,.key{border-radius:10px;padding:16px 18px;margin:22px 0}
.note{background:var(--surface);border-left:4px solid var(--link)}
.warn{background:var(--warnbg);border-left:4px solid var(--warnb)}
.key{background:var(--goldbg);border-left:4px solid var(--gold)}
.note p:last-child,.warn p:last-child,.key p:last-child{margin-bottom:0}
.note p:first-child,.warn p:first-child,.key p:first-child{margin-top:0}
.cta-box{background:var(--goldbg);border:1px solid #e7d8b2;border-radius:12px;padding:22px;margin:32px 0;text-align:center}
.cta-box .cta-title{font-family:Georgia,serif;font-size:1.3rem;font-weight:700;margin:0 0 8px}
.cta-box p{margin:0 0 14px}
.small{font-size:.85rem;color:var(--muted)}
.cta-box .small{margin:12px 0 0}
.chart{margin:26px 0;padding:18px;border:1px solid var(--border);border-radius:12px;background:#fff}
.chart figcaption{font-family:Georgia,serif;font-weight:700;font-size:1.08rem;margin-bottom:12px}
.bar-row{display:grid;grid-template-columns:minmax(90px,30%) 1fr auto;gap:10px;align-items:center;margin:9px 0;font-size:.93rem}
.bar-track{background:var(--surface2);border-radius:6px;height:22px;overflow:hidden}
.bar{display:block;height:100%;width:var(--w);background:linear-gradient(90deg,#b8913c,#d7b864);border-radius:6px}
.bar-val{font-weight:700;min-width:64px;text-align:right}
.chart .small{margin:10px 0 0}
.steps{counter-reset:s;list-style:none;padding:0;margin:20px 0}
.steps>li{counter-increment:s;position:relative;padding:4px 0 16px 54px;border-left:2px solid var(--border);margin-left:18px}
.steps>li:last-child{border-left-color:transparent}
.steps>li::before{content:counter(s);position:absolute;left:-19px;top:0;width:36px;height:36px;border-radius:50%;background:var(--accent);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center;font-size:.95rem}
.checklist{list-style:none;padding:0}
.checklist>li{padding:2px 0 2px 34px;position:relative;margin:10px 0}
.checklist>li::before{content:"";position:absolute;left:0;top:7px;width:20px;height:20px;border:2px solid var(--gold);border-radius:5px;background:var(--goldbg)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;margin:18px 0}
.card{display:block;border:1px solid var(--border);border-radius:12px;padding:16px;text-decoration:none;color:var(--text);background:#fff}
.card:hover{border-color:var(--gold);box-shadow:0 2px 10px rgba(0,0,0,.05)}
.card strong{display:block;font-family:Georgia,serif;font-size:1.05rem;color:#141c26;margin-bottom:4px}
.card span{font-size:.92rem;color:var(--muted)}
.faq{max-width:760px;margin:40px auto 0}
.faq details{border:1px solid var(--border);border-radius:10px;padding:0 16px;margin:10px 0;background:#fff}
.faq summary{cursor:pointer;font-weight:700;padding:14px 0;list-style-position:outside}
.faq details p{margin:0 0 14px}
.related{max-width:760px;margin:40px auto 0}
.final-cta{background:var(--surface);border-top:1px solid var(--border);border-bottom:1px solid var(--border);text-align:center;padding:40px 16px;margin-top:48px}
.final-cta h2{margin-top:0}
.final-cta p{max-width:640px;margin:0 auto 18px}
.sources{font-size:.92rem}
.sources li{margin:4px 0;overflow-wrap:anywhere}
footer{background:var(--surface2);padding:36px 0 26px;font-size:.92rem;color:var(--muted)}
.foot-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:22px}
.foot-grid h3{font-size:1rem;margin:0 0 8px;color:var(--text)}
.foot-grid ul{list-style:none;margin:0;padding:0}
.foot-grid li{margin:5px 0}
.foot-grid a{color:var(--muted)}
.foot-legal{border-top:1px solid var(--border);margin-top:26px;padding-top:16px}
.accent-blue{--accent:#1f5f99;--accent-hover:#174a78;--gold:#5b8fc7;--goldbg:#f1f6fb}
.accent-blue .bar{background:linear-gradient(90deg,#3f78b5,#7aa7d6)}
.accent-blue .cta-box{border-color:#c9daec}
.top3{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin:26px 0}
.pick{border:1px solid var(--border);border-radius:14px;padding:20px;text-align:center;background:#fff;display:flex;flex-direction:column;gap:8px}
.pick .rank{display:inline-block;align-self:center;background:var(--goldbg);color:var(--accent);font-weight:700;border-radius:999px;padding:3px 12px;font-size:.85rem}
.pick h3{margin:.2em 0}
.pick ul{text-align:left;font-size:.93rem;padding-left:18px;margin:4px 0 10px}
.pick .btn{margin-top:auto}
.verdict{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:20px 0}
.verdict>div{border:1px solid var(--border);border-radius:12px;padding:14px 18px}
.verdict h3{margin-top:.3em}
@media(max-width:640px){.verdict{grid-template-columns:1fr}}
@media(max-width:560px){body{font-size:17px}.kw{font-size:.9rem}.btn-sm{padding:9px 12px;font-size:.88rem}.bar-row{grid-template-columns:1fr auto;}.bar-row .bar-track{grid-column:1/3;grid-row:2}}