:root{--ink:#182536;--muted:#5f6f82;--line:#dbe3ec;--bg:#f6f8fb;--card:#fff;--brand:#0b6bcb;--brand2:#174c8c;--soft:#eaf4ff;--warn:#fff7df;--ok:#eaf8f1;--max:1120px}
*{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:#fff;line-height:1.65}a{color:var(--brand);text-decoration-thickness:1px;text-underline-offset:2px}a:hover{text-decoration-thickness:2px}.wrap{max-width:var(--max);margin:auto;padding:0 22px}header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:20}.nav{display:flex;align-items:center;justify-content:space-between;gap:22px;min-height:68px}.brand{font-size:20px;font-weight:800;color:var(--ink);text-decoration:none}.nav nav{display:flex;flex-wrap:wrap;gap:18px}.nav nav a{color:#34465a;text-decoration:none;font-size:14px}.disclosure{background:var(--warn);border-bottom:1px solid #ecdca7;font-size:13px;padding:10px 0}.hero{background:linear-gradient(145deg,#f6fbff 0%,#eef6ff 48%,#fff 100%);padding:76px 0 64px;border-bottom:1px solid var(--line)}.hero h1,.article h1{font-size:clamp(38px,6vw,64px);line-height:1.06;letter-spacing:-.035em;margin:14px 0 18px;max-width:900px}.lede{font-size:20px;color:#405369;max-width:800px}.badge{display:inline-block;font-size:12px;font-weight:800;letter-spacing:.08em;background:var(--soft);color:var(--brand2);padding:7px 10px;border-radius:999px}.cta{display:inline-block;background:var(--brand);color:white;text-decoration:none;font-weight:800;padding:12px 17px;border-radius:9px;margin:8px 7px 8px 0}.cta.secondary{background:white;color:var(--brand);border:1px solid #9cc8ee}.cta:hover{text-decoration:none;filter:brightness(.97)}main{padding-top:46px;padding-bottom:72px}h2{font-size:32px;line-height:1.2;letter-spacing:-.02em;margin:50px 0 16px}h3{font-size:21px;margin:26px 0 8px}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}.card{border:1px solid var(--line);background:var(--card);border-radius:14px;padding:22px;box-shadow:0 3px 12px rgba(24,37,54,.03)}.card h3{margin-top:8px}.metric{font-size:28px;font-weight:900;color:var(--brand2)}.subtle,.muted{color:var(--muted)}.note{background:var(--soft);border-left:4px solid var(--brand);padding:18px 20px;border-radius:8px;margin:24px 0}.warning{background:var(--warn);border-left:4px solid #c89e1b;padding:18px 20px;border-radius:8px}.good{background:var(--ok);padding:4px 8px;border-radius:6px;font-weight:700}.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:12px}.table-wrap table{border-collapse:collapse;width:100%;min-width:780px;background:white}.table-wrap th,.table-wrap td{text-align:left;vertical-align:top;padding:15px;border-bottom:1px solid var(--line)}.table-wrap th{background:var(--bg);font-size:13px;text-transform:uppercase;letter-spacing:.03em}.table-wrap tr:last-child td{border-bottom:0}.pick td{background:#f4f9ff}.source-list li{margin:8px 0}.article{max-width:860px}.article p,.article li{font-size:17px}.article .table-wrap{max-width:1100px;width:calc(100vw - 44px);margin-left:0}.kicker{font-weight:800;color:var(--brand2)}.toc{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin:26px 0}.toc a{text-decoration:none}.faq details{border-top:1px solid var(--line);padding:16px 0}.faq summary{font-weight:800;cursor:pointer}.callout{display:flex;gap:18px;align-items:flex-start;background:#f8fbff;border:1px solid #cee4f8;padding:20px;border-radius:12px;margin:28px 0}.score{font-size:38px;font-weight:900;color:var(--brand2);line-height:1}.calculator{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field{display:flex;flex-direction:column;gap:7px;margin-bottom:14px}.field label{font-weight:700}.field input{padding:12px;border:1px solid #b9c6d3;border-radius:8px;font-size:16px}.results{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:22px}.results .big{font-size:38px;font-weight:900;color:var(--brand2)}footer{border-top:1px solid var(--line);background:var(--bg);padding:30px 0;color:var(--muted);font-size:13px}.footer-links{display:flex;gap:14px;flex-wrap:wrap;margin-top:8px}.footer-links a{color:var(--muted)}code{background:#eef2f6;padding:2px 5px;border-radius:4px}.mini{font-size:13px}.pill{display:inline-block;border:1px solid #bfd7ed;background:white;border-radius:999px;padding:5px 9px;margin:3px;font-size:13px}.related{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.related a{display:block;border:1px solid var(--line);border-radius:10px;padding:15px;text-decoration:none;font-weight:700;background:white}.related a span{display:block;font-weight:400;color:var(--muted);font-size:13px;margin-top:4px}hr{border:0;border-top:1px solid var(--line);margin:22px 0}
@media(max-width:800px){.grid,.grid.two,.calculator,.related{grid-template-columns:1fr}.nav{align-items:flex-start;padding-top:14px;padding-bottom:14px}.nav nav{gap:10px}.hero{padding:52px 0}.article .table-wrap{width:100%}.callout{display:block}.callout .score{margin-bottom:10px}}
/* v10 decision-tool layer */
.wide-tool{max-width:1080px}.tool-shell{display:grid;grid-template-columns:minmax(300px,.85fr) minmax(420px,1.35fr);gap:24px;align-items:start;margin-top:28px}.tool-inputs,.tool-results{border:1px solid var(--line);border-radius:16px;padding:22px;background:#fff}.tool-inputs{position:sticky;top:88px}.tool-inputs h2,.tool-results h2{font-size:24px;margin:12px 0 14px}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}.field select{padding:12px;border:1px solid #b9c6d3;border-radius:8px;font-size:16px;background:#fff}.check-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px 14px;margin:12px 0 18px}.check-grid label{display:flex;align-items:flex-start;gap:8px;border:1px solid var(--line);border-radius:9px;padding:10px;font-size:14px}.check-grid input{margin-top:4px}.button-reset{border:0;cursor:pointer;font:inherit}.results-head{display:flex;justify-content:space-between;gap:18px;align-items:flex-start;border-bottom:1px solid var(--line);padding-bottom:12px;margin-bottom:14px}.result-card{display:grid;grid-template-columns:46px 1fr;gap:12px;border:1px solid var(--line);border-radius:13px;padding:16px;margin:12px 0;background:#fff}.result-card.top-result{border-color:#8fc4ef;background:#f7fbff}.rank{font-size:22px;font-weight:900;color:var(--brand2)}.result-title{display:flex;justify-content:space-between;gap:10px;align-items:flex-start}.result-title h3{margin:0}.billing-pill{font-size:11px;background:var(--bg);border:1px solid var(--line);border-radius:999px;padding:4px 8px;white-space:nowrap}.price-line{font-size:28px;font-weight:900;color:var(--brand2);margin:6px 0}.price-line span{font-size:13px;font-weight:500;color:var(--muted);margin-left:4px}.fit-good,.fit-warn,.fit-bad{display:inline-block;padding:4px 8px;border-radius:6px;font-size:12px;font-weight:800;margin-top:8px}.fit-good{background:#eaf8f1;color:#17633c}.fit-warn{background:#fff7df;color:#7d5c00}.fit-bad{background:#fdecec;color:#9b2626}.save-positive{color:#17633c}.save-negative{color:#9b2626}.result-actions{display:flex;gap:12px;align-items:center;flex-wrap:wrap}.link-button{border:0;background:none;color:var(--brand);text-decoration:underline;cursor:pointer;padding:8px;font:inherit}.vendor-sources{font-size:12px;background:var(--bg);padding:10px;border-radius:8px;margin-top:8px}.vendor-sources a{margin-right:8px}
@media(max-width:900px){.tool-shell{grid-template-columns:1fr}.tool-inputs{position:static}.field-grid,.check-grid{grid-template-columns:1fr}.results-head,.result-title{display:block}.billing-pill{display:inline-block;margin-top:4px}}