:root{--navy:#102a43;--navy2:#16314c;--ink:#1c2b3a;--mut:#5a6b7b;--line:#e4e8ed;--bg:#fbfbf9;--accent:#9a7b4f;--soft:#f4f6f8;--good:#1a7f37;--warn:#9a6700}
*{box-sizing:border-box;margin:0;padding:0}
body{font:17px/1.7 -apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased}
.wrap{max-width:920px;margin:0 auto;padding:0 28px}
a{color:var(--navy)}
header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:10}
.nav{display:flex;align-items:center;justify-content:space-between;max-width:920px;margin:0 auto;padding:17px 28px}
.brand{font-family:Georgia,serif;font-size:18px;letter-spacing:.6px;color:var(--navy);font-weight:700;text-decoration:none}
.brand b{color:var(--accent)}
.menu a{color:var(--ink);text-decoration:none;font-weight:600;font-size:13px;margin-left:20px}
.menu a:hover{color:var(--accent)}
@media(max-width:760px){.menu{display:none}}
.phero{background:linear-gradient(180deg,var(--navy),var(--navy2));color:#fff;padding:64px 0 60px}
.phero .eyebrow{text-transform:uppercase;letter-spacing:2.5px;font-size:12px;color:#9fb3c8;margin-bottom:16px}
.phero h1{font-family:Georgia,serif;font-weight:600;font-size:36px;line-height:1.18;letter-spacing:-.3px;max-width:780px}
.phero .answer{font-size:18.5px;line-height:1.6;color:#dbe4ec;margin-top:20px;max-width:740px;border-left:3px solid var(--accent);padding-left:18px}
section{padding:48px 0;border-bottom:1px solid var(--line)}
.label{text-transform:uppercase;letter-spacing:2px;font-size:12px;color:var(--accent);font-weight:700;margin-bottom:16px}
h2{font-family:Georgia,serif;font-weight:600;font-size:26px;line-height:1.25;margin-bottom:14px;color:var(--navy)}
h3{font-size:18px;margin:18px 0 6px}
p{max-width:760px;margin-bottom:14px}
p.body,li{color:var(--ink)}
.mut{color:var(--mut)}
ul,ol{margin:0 0 14px 22px;max-width:760px}
li{margin-bottom:7px}
table.cmp{width:100%;border-collapse:collapse;margin:18px 0;font-size:15.5px}
table.cmp th,table.cmp td{text-align:left;padding:11px 12px;border-bottom:1px solid var(--line);vertical-align:top}
table.cmp thead th{background:var(--navy);color:#fff;font-size:13px;text-transform:uppercase;letter-spacing:.5px}
table.cmp tbody th{font-weight:650;color:var(--accent);font-size:14px;width:170px}
table.cmp tbody tr:nth-child(even) td{background:#fff}
.tldr{background:#fff;border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:6px;padding:16px 18px;margin:18px 0;max-width:780px}
.tldr b{color:var(--navy)}
/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:30px;margin-top:8px}
@media(max-width:720px){.calc{grid-template-columns:1fr}}
.calc .in label{display:block;font-size:14px;color:var(--mut);margin:12px 0 4px;font-weight:600}
.calc .in input{width:100%;padding:9px 11px;border:1px solid var(--line);border-radius:5px;font:15px inherit;color:var(--ink)}
.calc .out{background:var(--navy);color:#fff;border-radius:8px;padding:22px}
.calc .out h3{color:#fff;margin-top:0;font-family:Georgia,serif}
.calc .out .row{display:flex;justify-content:space-between;padding:9px 0;border-bottom:1px solid rgba(255,255,255,.13);font-size:15px}
.calc .out .row span:first-child{color:#9fb3c8}
.calc .out .big{font-family:Georgia,serif;font-size:26px;margin-top:8px}
.calc .out .verdict{margin-top:14px;padding:12px;border-radius:6px;background:rgba(154,123,79,.25);font-size:14.5px;line-height:1.5}
.faq details{border-bottom:1px solid var(--line);padding:14px 0;max-width:780px}
.faq summary{font-weight:650;font-size:16.5px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";color:var(--accent);font-weight:700}
.faq details[open] summary:after{content:"\2013"}
.faq p{color:var(--mut);font-size:15.5px;margin-top:9px}
.cta{display:inline-block;margin-top:8px;background:var(--accent);color:#fff;text-decoration:none;font-weight:650;padding:13px 24px;border-radius:4px;font-size:15.5px}
.cta:hover{background:#85693f}
.related{font-size:15px}.related a{color:var(--navy);font-weight:600}
.disc{font-size:12.5px;color:#90a0b0;margin-top:14px;max-width:780px}
footer{padding:30px 0;color:var(--mut);font-size:13px;background:var(--soft)}
footer .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}