:root{--ink:#11202e;--ink2:#1b3247;--sand:#f7f3ea;--orange:#ee6c2b;--amber:#f4a64d;--sea:#2f6f7e;--text:#22323f;--muted:#61707d;--line:#d9d6cf;--white:#fff;--shadow:0 16px 40px rgba(17,32,46,.12)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--sand);color:var(--text);font-family:"Plus Jakarta Sans",Arial,sans-serif;font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:"Bricolage Grotesque",Arial,sans-serif;line-height:1.08;color:var(--ink);margin-top:0}
h1{font-size:clamp(2.35rem,6vw,4.8rem);max-width:900px}
h2{font-size:clamp(1.8rem,4vw,3rem)}
a{color:var(--sea)}
.wrap{width:min(1120px,92vw);margin:auto}
.site-header{position:sticky;top:0;z-index:5;background:rgba(255,255,255,.96);border-bottom:1px solid rgba(17,32,46,.12);box-shadow:0 4px 18px rgba(17,32,46,.06)}
.nav{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:22px}
.brand{line-height:0;text-decoration:none}
.brand img{display:block;width:min(310px,52vw);height:auto}
.nav-links{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.nav-links a{text-decoration:none;font-weight:700;color:var(--ink)}
.nav-links a:hover{color:var(--orange)}
.btn{display:inline-block;background:var(--orange);color:#fff!important;text-decoration:none;border:0;border-radius:10px;padding:.8rem 1.1rem;font-weight:800;cursor:pointer;box-shadow:0 8px 20px rgba(238,108,43,.18)}
.btn:hover{background:#d95b1f;transform:translateY(-1px)}
.hero{padding:5.25rem 0 4.25rem;background:linear-gradient(135deg,#fff 0%,#f7f3ea 60%,#efe6d6 100%)}
.eyebrow{text-transform:uppercase;letter-spacing:.1em;font-size:.78rem;font-weight:800;color:var(--orange)}
.lead{font-size:1.2rem;max-width:760px}
.section{padding:4rem 0}
.section.white{background:#fff}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:15px;padding:1.5rem;box-shadow:var(--shadow)}
.card h3{font-size:1.3rem}
.tag{display:inline-block;background:#edf5f6;color:var(--sea);padding:.25rem .55rem;border-radius:999px;font-size:.76rem;font-weight:800}
.notice{border-left:5px solid var(--orange);background:#fff;padding:1rem 1.2rem;margin:1.5rem 0 2rem}
.crumbs{font-size:.9rem;margin-bottom:1.4rem}
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:28px}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field label{display:block;font-size:.86rem;font-weight:800;margin-bottom:.35rem}
.field input,.field select{width:100%;padding:.78rem;border:1px solid #b9bec2;border-radius:8px;background:#fff;font:inherit}
.field input:focus,.field select:focus{outline:3px solid rgba(238,108,43,.2);border-color:var(--orange)}
.results{background:var(--ink);color:#fff;border-radius:16px;padding:1.6rem;align-self:start;position:sticky;top:100px}
.results h2{color:#fff}
.metric{border-bottom:1px solid rgba(255,255,255,.18);padding:.8rem 0;display:flex;justify-content:space-between;gap:16px}
.metric strong{font-size:1.18rem;text-align:right}
.positive{color:#75e0a7}
.negative{color:#ff9b87}
footer{background:#0b141d;color:#d7dde2;padding:2.8rem 0}
footer a{color:#f4a64d}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}
footer img{width:270px;max-width:100%;background:#fff;border-radius:8px;padding:8px}
.small{font-size:.82rem;color:var(--muted)}
.table-wrap{overflow-x:auto;margin-top:1.5rem;border:1px solid var(--line);border-radius:15px;background:#fff;box-shadow:var(--shadow)}
.comparison-table{width:100%;min-width:880px;border-collapse:collapse}
.comparison-table caption{text-align:left;padding:1.25rem 1.4rem;font-weight:800;color:var(--ink);background:#fff}
.comparison-table th,.comparison-table td{text-align:left;vertical-align:top;padding:1rem 1.15rem;border-top:1px solid var(--line)}
.comparison-table thead th{background:var(--ink);color:#fff;border-top:0;font-size:.86rem;letter-spacing:.02em}
.comparison-table tbody th{color:var(--ink);font-size:1rem;min-width:175px}
.comparison-table tbody tr:nth-child(even){background:#faf8f3}
.comparison-table tbody tr.featured{background:#fff3ea}
.comparison-table tbody tr.featured th{color:#c94d14}
.comparison-table .sub{display:block;margin-top:.25rem;color:var(--muted);font-size:.78rem;font-weight:500}
.compare-notes{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin-top:1.4rem}
.compare-notes .card{box-shadow:none}
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:36px;align-items:start}
.article{background:#fff;border:1px solid var(--line);border-radius:18px;padding:clamp(1.5rem,4vw,3rem);box-shadow:var(--shadow)}
.article h2{font-size:clamp(1.55rem,3vw,2.25rem);margin-top:2.4rem;margin-bottom:.8rem}
.article h2:first-child{margin-top:0}
.article h3{font-size:1.2rem;margin-top:1.7rem;margin-bottom:.45rem}
.article p,.article li{max-width:76ch}
.article ul,.article ol{padding-left:1.35rem}
.article li+li{margin-top:.55rem}
.article .callout{background:var(--sand);border-left:5px solid var(--orange);padding:1rem 1.15rem;margin:1.5rem 0;border-radius:0 10px 10px 0}
.article-meta{color:var(--muted);font-size:.9rem;margin-top:1rem}
.article-nav{position:sticky;top:102px;background:var(--ink);color:#fff;border-radius:16px;padding:1.4rem}
.article-nav h2{font-size:1.15rem;color:#fff;margin-bottom:.8rem}
.article-nav a{display:block;color:#fff;text-decoration:none;padding:.55rem 0;border-bottom:1px solid rgba(255,255,255,.15);font-weight:700}
.article-nav a:hover{color:var(--amber)}
.checklist{list-style:none;padding-left:0!important}
.checklist li{position:relative;padding-left:1.65rem}
.checklist li:before{content:"✓";position:absolute;left:0;color:var(--sea);font-weight:800}
.example{border:1px solid var(--line);border-radius:14px;padding:1.2rem 1.3rem;margin:1.3rem 0;background:#faf8f3}
.source-note{font-size:.85rem;color:var(--muted);border-top:1px solid var(--line);margin-top:2rem;padding-top:1rem}
@media(max-width:850px){.nav{align-items:center;padding:13px 0}.nav-links{justify-content:flex-end}.nav-links a:not(.btn){display:none}.grid,.calc,.footer-grid,.compare-notes,.article-layout{grid-template-columns:1fr}.fields{grid-template-columns:1fr}.results,.article-nav{position:static}.hero{padding:3.5rem 0 3rem}.table-wrap{border-radius:10px}.comparison-table th,.comparison-table td{padding:.85rem}}
@media(max-width:520px){.brand img{width:185px}.nav-links .btn{font-size:.78rem;padding:.7rem .8rem}.hero h1{font-size:2.4rem}.section{padding:3rem 0}.metric{display:block}.metric strong{display:block;text-align:left;margin-top:.25rem}}