:root{--ink:#10211f;--muted:#5f6f6c;--bg:#f6f8f7;--card:#fff;--line:#dfe7e4;--brand:#173d36;--accent:#d7f36b;--soft:#edf5f1;--max:1120px;--radius:18px}
*{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(--bg);line-height:1.65}
a{color:var(--brand);text-underline-offset:3px}.wrap{max-width:var(--max);margin:auto;padding:0 22px}
header{position:sticky;top:0;z-index:30;background:rgba(246,248,247,.94);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:20px}.brand{display:flex;align-items:center;gap:10px;font-weight:800;text-decoration:none;color:var(--ink)}
.mark{width:30px;height:30px;border-radius:8px;background:var(--brand);display:grid;place-items:center;color:var(--accent);font-weight:900}.navlinks{display:flex;align-items:center;gap:18px;font-size:.94rem}.navlinks a{text-decoration:none;color:var(--ink)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:12px;padding:12px 17px;font-weight:800;text-decoration:none;border:1px solid var(--brand)}.btn.primary{background:var(--brand);color:#fff}.btn.accent{background:var(--accent);color:var(--ink);border-color:var(--accent)}.btn.ghost{background:#fff;color:var(--brand)}
.hero{padding:72px 0 44px}.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:38px;align-items:center}.kicker{font-size:.82rem;font-weight:900;letter-spacing:.12em;text-transform:uppercase;color:var(--brand)}
h1{font-size:clamp(2.35rem,6vw,4.7rem);line-height:1.02;letter-spacing:-.045em;margin:.2em 0}h2{font-size:clamp(1.55rem,3vw,2.25rem);line-height:1.15;letter-spacing:-.025em;margin:2.2em 0 .6em}h3{font-size:1.2rem;line-height:1.3;margin:1.6em 0 .5em}
.lede{font-size:1.17rem;color:#334542;max-width:760px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 10px 36px rgba(17,44,39,.06)}
.hero-card{background:var(--brand);color:#fff}.hero-card p{color:#d6e2df}.hero-card .metric{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-top:18px}.metric div{background:rgba(255,255,255,.08);padding:14px;border-radius:12px}.metric strong{display:block;color:var(--accent)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid.two{grid-template-columns:repeat(2,1fr)}section{padding:28px 0}.article-shell{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:46px;align-items:start}.article{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:clamp(24px,5vw,54px)}.article h1{font-size:clamp(2.25rem,5vw,3.65rem)}.article p,.article li{font-size:1.03rem}.article ul,.article ol{padding-left:1.25rem}.toc{position:sticky;top:96px}.toc a{display:block;padding:7px 0;text-decoration:none;font-size:.92rem;color:var(--muted)}
.note,.callout{border-left:4px solid var(--brand);background:var(--soft);padding:16px 18px;border-radius:10px;margin:24px 0}.money{border:1px solid #c8d99a;background:#fbffe9;padding:22px;border-radius:16px;margin:28px 0}.money h3{margin-top:0}.disclosure{font-size:.85rem;color:var(--muted)}
.compare{width:100%;border-collapse:collapse;margin:24px 0;display:block;overflow-x:auto}.compare th,.compare td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}.compare th{background:var(--soft)}.breadcrumbs{font-size:.86rem;color:var(--muted);margin:24px 0}
footer{margin-top:70px;background:#0e2420;color:#d9e6e2;padding:48px 0}footer a{color:#fff}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}.small{font-size:.88rem;color:var(--muted)}.related{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.related a{display:block;background:#fff;border:1px solid var(--line);padding:16px;border-radius:12px;text-decoration:none;font-weight:750}
#offer-backdrop{display:none;position:fixed;inset:0;background:rgba(4,15,13,.55);z-index:60;padding:18px}#offer-backdrop.show{display:grid;place-items:center}.offer-modal{max-width:520px;width:100%;background:#fff;border-radius:20px;padding:28px;position:relative;box-shadow:0 26px 90px rgba(0,0,0,.28)}.offer-close{position:absolute;right:14px;top:12px;border:0;background:transparent;font-size:1.7rem;cursor:pointer}.offer-modal h2{margin:.15em 0 .4em;font-size:2rem}
@media(max-width:850px){.hero-grid,.article-shell,.grid,.grid.two,.footer-grid{grid-template-columns:1fr}.navlinks a:not(.cta){display:none}.toc{display:none}.hero{padding-top:46px}#offer-backdrop{align-items:end}.offer-modal{border-radius:20px 20px 10px 10px}}