@import url('https://fonts.googleapis.com/css2?family=Merriweather:wght@300;400;700;900&family=Source+Sans+3:wght@300;400;500;600;700&display=swap');
:root{--c-pri:#1B365D;--c-pri-lt:#2A4F7E;--c-pri-dk:#0F2240;--c-acc:#D4A03C;--c-acc-lt:#E8C068;--c-ok:#2E7D4F;--c-warn:#D4783C;--c-err:#C0392B;--c-info:#2980B9;--c-bg:#FAFAF8;--c-bg2:#F0EDE8;--c-card:#FFF;--c-txt:#2C2C2C;--c-txt2:#5A5A5A;--c-muted:#8A8A8A;--c-brd:#D8D4CE;--c-brd2:#E8E4DE;--fh:'Merriweather',Georgia,serif;--fb:'Source Sans 3','Segoe UI',sans-serif;--mw:1240px;--r:6px;--sh:0 2px 12px rgba(27,54,93,.08);--shl:0 8px 32px rgba(27,54,93,.12);--t:.25s ease}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{font-size:17px;scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
body{font-family:var(--fb);color:var(--c-txt);background:var(--c-bg);line-height:1.8}
h1,h2,h3,h4,h5,h6{font-family:var(--fh);line-height:1.3;color:var(--c-pri-dk)}
h1{font-size:2.2rem;font-weight:900;margin-bottom:1rem}
h2{font-size:1.65rem;font-weight:700;margin:2.5rem 0 1rem;padding-bottom:.5rem;border-bottom:3px solid var(--c-acc)}
h3{font-size:1.3rem;font-weight:700;margin:2rem 0 .8rem}
h4{font-size:1.1rem;font-weight:700;margin:1.5rem 0 .6rem}
p{text-align:justify;margin-bottom:1.2rem;hyphens:auto;-webkit-hyphens:auto}
a{color:var(--c-pri);text-decoration:none;transition:color var(--t)}a:hover{color:var(--c-acc)}
strong{font-weight:700;color:var(--c-pri-dk)}
ul,ol{margin:0 0 1.5rem 1.5rem}li{margin-bottom:.5rem;text-align:justify}
blockquote{border-left:4px solid var(--c-acc);padding:1rem 1.5rem;margin:1.5rem 0;background:var(--c-bg2);border-radius:0 var(--r) var(--r) 0;font-style:italic;color:var(--c-txt2)}
table{width:100%;border-collapse:collapse;margin:1.5rem 0;font-size:.95rem;background:var(--c-card);border-radius:var(--r);overflow:hidden;box-shadow:var(--sh)}
thead{background:var(--c-pri);color:#fff}th{padding:14px 16px;text-align:left;font-weight:600}td{padding:12px 16px;border-bottom:1px solid var(--c-brd2)}tbody tr:hover{background:rgba(212,160,60,.06)}tbody tr:last-child td{border-bottom:none}
.container{max-width:var(--mw);margin:0 auto;padding:0 24px}
.layout{display:grid;grid-template-columns:1fr 340px;gap:40px;align-items:start}
/* Header */
.site-header{background:linear-gradient(135deg,var(--c-pri-dk),var(--c-pri) 50%,var(--c-pri-lt));color:#fff;position:sticky;top:0;z-index:1000;box-shadow:0 4px 20px rgba(0,0,0,.2)}
.header-inner{display:flex;justify-content:space-between;align-items:center;padding:16px 0}
.site-logo{font-family:var(--fh);font-size:1.5rem;font-weight:900;color:#fff;text-decoration:none;display:flex;align-items:center;gap:10px}
.logo-icon{background:var(--c-acc);color:var(--c-pri-dk);width:42px;height:42px;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:1.3rem;font-weight:900}
.site-logo:hover{color:var(--c-acc-lt)}
.header-nav{display:flex;gap:4px}.header-nav a{color:rgba(255,255,255,.85);padding:8px 16px;border-radius:var(--r);font-weight:500;font-size:.9rem;transition:all var(--t)}.header-nav a:hover,.header-nav a.active{background:rgba(255,255,255,.12);color:#fff}
.mobile-toggle{display:none;background:none;border:none;color:#fff;font-size:1.5rem;cursor:pointer;padding:8px}
/* Hero */
.hero{background:linear-gradient(135deg,var(--c-pri-dk),var(--c-pri) 60%,#1a4a7a);color:#fff;padding:80px 0 70px;text-align:center;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none'%3E%3Cg fill='%23fff' fill-opacity='.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E")}
.hero-content{position:relative;z-index:1;max-width:800px;margin:0 auto}
.hero h1{font-size:2.8rem;margin-bottom:1rem;text-shadow:0 2px 4px rgba(0,0,0,.3);color:#fff}
.hero p{font-size:1.2rem;opacity:.9;max-width:600px;margin:0 auto 2rem;text-align:center}
.hero-cta{display:inline-flex;gap:16px;flex-wrap:wrap;justify-content:center}
.hero-cta a{padding:14px 32px;border-radius:50px;font-weight:700;font-size:1rem;transition:all var(--t);text-transform:uppercase;letter-spacing:.5px}
.btn-gold{background:var(--c-acc);color:var(--c-pri-dk)}.btn-gold:hover{background:var(--c-acc-lt);transform:translateY(-2px);box-shadow:0 6px 20px rgba(212,160,60,.4);color:var(--c-pri-dk)}
.btn-outline{border:2px solid rgba(255,255,255,.5);color:#fff}.btn-outline:hover{background:rgba(255,255,255,.1);border-color:#fff;color:#fff}
/* Breadcrumbs */
.breadcrumbs{padding:16px 0;font-size:.85rem;color:var(--c-muted);border-bottom:1px solid var(--c-brd2);margin-bottom:2rem}.breadcrumbs a{color:var(--c-pri)}.breadcrumbs span{margin:0 8px}
/* Article */
.article-header{margin-bottom:2rem}
.article-meta{display:flex;gap:20px;flex-wrap:wrap;font-size:.88rem;color:var(--c-muted);margin-top:.8rem;padding-bottom:1.2rem;border-bottom:1px solid var(--c-brd2)}.article-meta span{display:flex;align-items:center;gap:5px}
.article-content{font-size:1.05rem}.article-content h2{scroll-margin-top:80px}
/* TOC */
.toc{background:linear-gradient(135deg,#f8f6f2,#f0ede8);border:1px solid var(--c-brd);border-left:4px solid var(--c-acc);border-radius:var(--r);padding:24px 28px;margin:2rem 0}
.toc-head{font-size:1.05rem;margin-bottom:1rem;display:flex;align-items:center;gap:8px}
.toc ol{margin:0;padding-left:1.2rem}.toc li{margin-bottom:6px;font-size:.95rem;text-align:left}.toc a{color:var(--c-pri);font-weight:500}.toc a:hover{color:var(--c-acc)}
/* Info boxes */
.info-box{display:flex;gap:14px;padding:20px 24px;border-radius:var(--r);margin:1.5rem 0;border-left:4px solid}
.info-box.info{background:#EBF5FB;border-color:var(--c-info)}.info-box.warning{background:#FEF5E7;border-color:var(--c-warn)}.info-box.tip{background:#EAFAF1;border-color:var(--c-ok)}.info-box.important{background:#FDEDEC;border-color:var(--c-err)}
.info-box>span{font-size:1.3rem;flex-shrink:0;margin-top:2px}.info-box p:last-child{margin-bottom:0}
/* Affiliate */
.affiliate-box{background:linear-gradient(135deg,#1B365D,#2A4F7E);color:#fff;border-radius:var(--r);padding:28px 32px;margin:2.5rem 0;box-shadow:var(--shl)}
.aff-header{display:flex;align-items:center;gap:10px;font-size:1.15rem;margin-bottom:12px}.affiliate-box p{text-align:left;opacity:.9;margin-bottom:1.2rem}
.aff-buttons{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:12px}
.aff-btn{display:inline-block;padding:12px 28px;border-radius:50px;font-weight:700;font-size:.95rem;text-align:center;transition:all var(--t);cursor:pointer}
.aff-btn.primary{background:var(--c-acc);color:var(--c-pri-dk)}.aff-btn.primary:hover{background:var(--c-acc-lt);transform:translateY(-1px);color:var(--c-pri-dk)}
.aff-btn.secondary{background:rgba(255,255,255,.15);color:#fff;border:1px solid rgba(255,255,255,.3)}.aff-btn.secondary:hover{background:rgba(255,255,255,.25);color:#fff}
.aff-btn.small{padding:8px 20px;font-size:.85rem}
.aff-disclaimer{opacity:.6;font-size:.78rem}
.cta-box{margin:2.5rem 0;border-radius:var(--r);overflow:hidden;box-shadow:var(--shl)}
.cta-inner{background:linear-gradient(135deg,#1B365D,#2A4F7E);color:#fff;padding:28px 32px;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.cta-text{display:flex;align-items:center;gap:16px;flex:1}.cta-text strong{font-size:1.15rem;display:block;margin-bottom:4px}.cta-text p{margin:0;opacity:.85;font-size:.95rem;text-align:left}
.cta-icon{font-size:2.2rem}
.ad-cta{margin:0;border-radius:0}
.ad-post-article{margin:2rem 0;padding:1.5rem 0;border-top:1px solid var(--c-brd2);border-bottom:1px solid var(--c-brd2)}
.ad-multiplex{margin:2.5rem 0}
.article-hero-img{margin:0 0 2rem;border-radius:var(--r);overflow:hidden;box-shadow:var(--sh)}.article-hero-img img{width:100%;height:auto;display:block}
.article-img{margin:2rem 0;border-radius:var(--r);overflow:hidden;box-shadow:var(--sh);background:var(--c-bg2)}.article-img img{width:100%;height:auto;display:block}
.article-img figcaption{padding:10px 16px;font-size:.85rem;color:var(--c-txt2);text-align:center;font-style:italic;border-top:1px solid var(--c-brd2)}
/* Company comparison */
.company-box{background:var(--c-card);border:2px solid var(--c-brd);border-radius:var(--r);padding:28px;margin:2.5rem 0}
.company-box h3{text-align:center;margin-bottom:1.5rem;border:none}
.comp-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:12px}
.comp-card{background:var(--c-bg2);border-radius:var(--r);padding:20px;text-align:center;position:relative;border:1px solid var(--c-brd2);transition:all var(--t)}
.comp-card:hover{transform:translateY(-3px);box-shadow:var(--sh)}
.comp-card h4{font-size:.95rem;margin-bottom:8px;border:none}.comp-card .stars{color:var(--c-acc);margin-bottom:8px;font-weight:600}
.comp-card p{font-size:.88rem;color:var(--c-txt2);margin-bottom:14px;text-align:center}
.badge-top{position:absolute;top:-10px;right:12px;background:var(--c-acc);color:var(--c-pri-dk);font-size:.72rem;font-weight:700;padding:3px 10px;border-radius:20px;text-transform:uppercase}
/* Sidebar */
.sidebar{position:sticky;top:80px}
.sidebar-sticky{position:sticky;top:80px}
.sidebar-ad-sticky .ad-unit{min-height:250px}
.sidebar-widget{background:var(--c-card);border-radius:var(--r);padding:24px;margin-bottom:24px;border:1px solid var(--c-brd2);box-shadow:var(--sh)}
.sidebar-widget h3{font-size:1rem;font-family:var(--fb);font-weight:700;color:var(--c-pri);margin-bottom:1rem;padding-bottom:10px;border-bottom:2px solid var(--c-acc)}
.sidebar-widget ul{list-style:none;margin:0;padding:0}.sidebar-widget li{margin-bottom:0;border-bottom:1px solid var(--c-brd2)}.sidebar-widget li:last-child{border-bottom:none}
.sidebar-widget li a{display:block;padding:10px 0;font-size:.9rem;color:var(--c-txt);font-weight:500;transition:all var(--t)}.sidebar-widget li a:hover{color:var(--c-acc);padding-left:6px}
/* Ads */
.ad-unit{margin:2rem 0;text-align:center;min-height:90px;background:var(--c-bg2);border-radius:var(--r);display:flex;align-items:center;justify-content:center;font-size:.8rem;color:var(--c-muted)}
/* Cards */
.cards-section{padding:60px 0}.cards-section>h2{text-align:center;border-bottom:none;font-size:2rem;margin-bottom:.5rem}
.section-sub{text-align:center;color:var(--c-txt2);margin-bottom:2.5rem;font-size:1.1rem}
.cards-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(350px,1fr));gap:24px}
.card{background:var(--c-card);border-radius:var(--r);overflow:hidden;box-shadow:var(--sh);transition:all var(--t);border:1px solid var(--c-brd2);display:flex;flex-direction:column}.card:hover{transform:translateY(-4px);box-shadow:var(--shl)}
.card-body{padding:24px;flex:1;display:flex;flex-direction:column}
.card-cat{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--c-acc);margin-bottom:8px}
.card-body h3{font-size:1.15rem;margin:0 0 10px;border:none}.card-body h3 a{color:var(--c-pri-dk)}.card-body h3 a:hover{color:var(--c-acc)}
.card-body p{font-size:.92rem;color:var(--c-txt2);flex:1;text-align:left}
.card-foot{display:flex;justify-content:space-between;align-items:center;margin-top:auto;padding-top:14px;border-top:1px solid var(--c-brd2);font-size:.82rem;color:var(--c-muted)}
.card-more{font-weight:600;color:var(--c-pri);display:flex;align-items:center;gap:4px}
/* Categories */
.cat-nav{padding:40px 0;background:var(--c-bg2)}
.cat-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(160px,1fr));gap:14px}
.cat-card{background:var(--c-card);border-radius:var(--r);padding:20px 16px;text-align:center;border:1px solid var(--c-brd2);transition:all var(--t);text-decoration:none;color:var(--c-txt)}
.cat-card:hover{border-color:var(--c-acc);transform:translateY(-2px);box-shadow:var(--sh);color:var(--c-pri)}
.cat-icon{font-size:2rem;display:block;margin-bottom:8px}.cat-name{font-weight:600;font-size:.9rem}
/* Stats */
.stats-bar{display:grid;grid-template-columns:repeat(4,1fr);background:var(--c-bg2);border-top:1px solid var(--c-brd2)}
.stat-item{padding:30px 20px;text-align:center;border-right:1px solid var(--c-brd2)}.stat-item:last-child{border-right:none}
.stat-num{font-family:var(--fh);font-size:2rem;font-weight:900;color:var(--c-pri);display:block}
.stat-label{font-size:.85rem;color:var(--c-txt2);margin-top:4px;display:block}
/* Footer */
.site-footer{background:var(--c-pri-dk);color:rgba(255,255,255,.7);padding:60px 0 0;margin-top:60px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px}
.footer-col h4{color:#fff;font-family:var(--fb);font-weight:700;margin-bottom:1rem;font-size:1rem}
.footer-col p{font-size:.88rem;line-height:1.7;text-align:left}
.footer-col ul{list-style:none;margin:0;padding:0}.footer-col li{margin-bottom:8px;text-align:left}
.footer-col a{color:rgba(255,255,255,.6);font-size:.88rem;transition:color var(--t)}.footer-col a:hover{color:var(--c-acc-lt)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding:20px 0;margin-top:40px;text-align:center;font-size:.82rem}.footer-bottom p{text-align:center;margin:0}
/* FAQ */
.faq-section{margin:2.5rem 0}
.faq-item{border:1px solid var(--c-brd2);border-radius:var(--r);margin-bottom:12px;overflow:hidden}
.faq-q{background:var(--c-bg2);padding:16px 20px;font-weight:700;cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-family:var(--fh);font-size:1rem;color:var(--c-pri-dk)}.faq-q::after{content:'+';font-size:1.3rem;font-weight:300;transition:transform var(--t)}.faq-item.open .faq-q::after{transform:rotate(45deg)}
.faq-a{padding:0 20px;max-height:0;overflow:hidden;transition:all .3s ease}.faq-item.open .faq-a{padding:16px 20px;max-height:600px}
/* Key takeaway */
.key-takeaway{background:linear-gradient(135deg,#f0ede8,#e8e4de);border:2px solid var(--c-acc);border-radius:var(--r);padding:24px 28px;margin:2rem 0}
.key-takeaway h4{margin-top:0;font-size:1.05rem;border:none}.key-takeaway ul{margin-bottom:0}.key-takeaway li{font-weight:500}
/* Responsive */
@media(max-width:1024px){.layout{grid-template-columns:1fr}.sidebar{position:static}.comp-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}.stats-bar{grid-template-columns:repeat(2,1fr)}}
@media(max-width:768px){html{font-size:16px}h1{font-size:1.7rem}h2{font-size:1.35rem}.hero{padding:50px 0 40px}.hero h1{font-size:2rem}.header-nav{display:none}.header-nav.open{display:flex;flex-direction:column;position:absolute;top:100%;left:0;right:0;background:var(--c-pri-dk);padding:16px;gap:4px}.mobile-toggle{display:block}.cards-grid{grid-template-columns:1fr}.cat-grid{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr}.aff-buttons{flex-direction:column}table{font-size:.85rem}th,td{padding:10px 12px}.stats-bar{grid-template-columns:1fr 1fr}}
@media print{.site-header,.sidebar,.ad-unit,.affiliate-box,.cta-box,.company-box,.ad-multiplex,.site-footer{display:none}.layout{display:block}a{color:#000;text-decoration:underline}}

.real-photo{border-radius:var(--r);overflow:hidden;box-shadow:var(--shl)}
.real-photo img{width:100%;height:auto;display:block;object-fit:cover;transition:transform .5s ease}
.real-photo:hover img{transform:scale(1.02)}
.article-hero-img.real-photo{margin:0 0 2rem;max-height:420px;overflow:hidden}
.article-hero-img.real-photo img{max-height:420px;object-fit:cover}
.article-img.real-photo{margin:2rem 0}
.article-img.real-photo figcaption{padding:12px 18px;font-size:.88rem;color:var(--c-txt2);text-align:center;font-style:italic;background:var(--c-bg2);border-top:1px solid var(--c-brd2)}

.legal-page{max-width:800px}
.legal-page h1{font-size:2rem;margin-bottom:1.5rem}
.legal-page h2{font-size:1.3rem;margin-top:2rem}
.legal-page h3{font-size:1.05rem;color:var(--c-pri-lt);margin-top:1.5rem}
.legal-page .lead{font-size:1.1rem;color:var(--c-txt2);line-height:1.9;margin-bottom:2rem;padding:24px;background:var(--c-bg2);border-left:4px solid var(--c-acc);border-radius:0 var(--r) var(--r) 0}
.legal-page .about-hero{margin-bottom:2rem}
.legal-page .legal-update{font-size:.85rem;color:var(--c-muted);margin-bottom:2rem;padding-bottom:1rem;border-bottom:1px solid var(--c-brd2)}
.legal-page ul{margin:1rem 0 1rem 1.5rem}.legal-page ul li{margin-bottom:.5rem}
.legal-page table{width:100%;margin:1.5rem 0}
.page-content{padding:2rem 0}