:root{--navy:#082f49;--blue:#0d47b5;--sky:#eaf5ff;--aqua:#22b8cf;--ink:#12202f;--muted:#5c6b7a;--cream:#fbfcfd;--line:#dbe5ec;--white:#fff;--green:#0b7a53;--shadow:0 18px 50px rgba(8,47,73,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--cream);line-height:1.65}
a{color:var(--blue)}img,svg{max-width:100%}.skip{position:absolute;left:-9999px}.skip:focus{left:1rem;top:1rem;background:#fff;padding:.7rem;z-index:100}
.wrap{width:min(1120px,92%);margin:auto}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:1rem}.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none;color:var(--navy);font-weight:850;letter-spacing:-.02em}.brand-mark{width:36px;height:36px}
.navlinks{display:flex;gap:1.1rem;align-items:center}.navlinks a{text-decoration:none;color:var(--ink);font-weight:650;font-size:.95rem}.menu{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:.55rem .7rem}
.hero{background:radial-gradient(circle at 80% 20%,#d9f7fb 0,transparent 32%),linear-gradient(135deg,#f7fbff,#edf7ff 55%,#fff);padding:5.2rem 0 4rem;border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:center}.eyebrow{font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;font-weight:800;color:var(--blue)}
h1,h2,h3{line-height:1.13;color:var(--navy);letter-spacing:-.03em}h1{font-size:clamp(2.45rem,5vw,4.6rem);margin:.4rem 0 1rem}h2{font-size:clamp(1.75rem,3vw,2.6rem);margin:2.7rem 0 1rem}h3{font-size:1.28rem}.lede{font-size:1.16rem;color:#405466;max-width:720px}
.btn{display:inline-block;border-radius:999px;padding:.82rem 1.18rem;font-weight:800;text-decoration:none;background:var(--blue);color:#fff;border:2px solid var(--blue);transition:.2s}.btn:hover{transform:translateY(-1px);box-shadow:0 8px 24px rgba(13,71,181,.22)}.btn.secondary{background:#fff;color:var(--blue)}
.hero-card,.card,.note,.money-box,.compare{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow)}.hero-card{padding:1.2rem}.hero-card a{display:block}.section{padding:3.5rem 0}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:1.2rem}.card{padding:1.35rem}.card h3{margin:.15rem 0 .55rem}.card p{color:var(--muted);margin:.4rem 0}.card a.stretch{font-weight:800;text-decoration:none}.pill{display:inline-block;background:var(--sky);color:var(--blue);padding:.25rem .58rem;border-radius:999px;font-size:.78rem;font-weight:800}
.article{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:3rem;padding:3rem 0}.article main{min-width:0}.article h1{font-size:clamp(2.25rem,4vw,3.7rem)}.breadcrumbs{font-size:.88rem;color:var(--muted);margin-bottom:1rem}.breadcrumbs a{color:inherit}.byline{color:var(--muted);font-size:.92rem;border-bottom:1px solid var(--line);padding-bottom:1rem}
.toc{position:sticky;top:96px;align-self:start;background:#fff;border:1px solid var(--line);border-radius:16px;padding:1rem}.toc strong{display:block;margin-bottom:.5rem}.toc a{display:block;text-decoration:none;padding:.28rem 0;color:#395066;font-size:.9rem}
.note{padding:1rem 1.1rem;border-left:4px solid var(--aqua);box-shadow:none}.money-box{padding:1.35rem;margin:2rem 0;background:linear-gradient(135deg,#f3fbff,#fff)}.money-box .btn{margin:.35rem .35rem .35rem 0}.disclosure{font-size:.85rem;color:var(--muted);background:#f5f7f9;border-radius:10px;padding:.7rem .9rem}
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden}th,td{text-align:left;padding:.85rem;border-bottom:1px solid var(--line);vertical-align:top}th{background:#eef6fb;color:var(--navy)}.check{color:var(--green);font-weight:800}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:.9rem 1rem;margin:.7rem 0}.faq summary{cursor:pointer;font-weight:800;color:var(--navy)}
footer{background:#06283d;color:#d8e5ed;padding:3rem 0;margin-top:3rem}footer a{color:#fff}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:2rem}.fine{font-size:.82rem;color:#a9bdc9}
.popup{position:fixed;right:1rem;bottom:1rem;width:min(390px,calc(100% - 2rem));background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:0 24px 70px rgba(0,0,0,.25);padding:1.15rem;z-index:80;display:none}.popup.show{display:block}.popup-close{float:right;border:0;background:#eef3f6;border-radius:999px;width:34px;height:34px;font-size:1.1rem}.popup h3{margin:.3rem 2rem .35rem 0}.popup p{font-size:.92rem;color:var(--muted)}.popup .btn{width:100%;text-align:center}
.kicker{background:#e9f6ff;border:1px solid #cde9fa;border-radius:14px;padding:1rem}.sources{font-size:.9rem;color:var(--muted)}.sources li{margin:.45rem 0}.sources a{overflow-wrap:anywhere}
@media(max-width:800px){.navlinks{display:none;position:absolute;left:4%;right:4%;top:66px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:1rem;box-shadow:var(--shadow)}.navlinks.open{display:grid}.menu{display:block}.hero-grid,.grid3,.grid2,.article,.footgrid{grid-template-columns:1fr}.hero{padding:3.5rem 0}.article{gap:1rem}.toc{position:static;order:-1}.grid3{gap:.9rem}h1{font-size:2.55rem}table{font-size:.9rem}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}