:root{
  --ink:#0f172a; --ink2:#475569; --muted:#64748b; --faint:#94a3b8;
  --line:#e8edf3; --line2:#f1f5f9; --bg:#ffffff; --bg2:#f7fafc;
  --brand:#0ea5a4; --brand2:#22d3ee; --brand-deep:#0d9488; --brand-soft:#e6fbfa;
  --sun:#f59e0b; --sun-soft:#fff7e6;
  --rose:#f43f5e; --rose-soft:#fff1f3;
  --violet:#8b5cf6; --violet-soft:#f3efff;
  --sky:#0ea5e9; --sky-soft:#e8f6fe;
  --lime:#65a30d; --lime-soft:#f2fbe6;
  --shadow:0 1px 2px rgba(15,23,42,.04), 0 8px 24px rgba(15,23,42,.06);
  --shadow-lg:0 12px 40px rgba(15,23,42,.10);
  --radius:16px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Inter,Roboto,"Helvetica Neue",Arial,sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px;margin:0 auto;padding:0 20px}

/* disclosure + header */
.disclosure{background:linear-gradient(90deg,var(--brand-soft),var(--sun-soft));
  border-bottom:1px solid var(--line);font-size:12.5px;color:var(--ink2);padding:9px 0;text-align:center}
.disclosure a{color:var(--brand-deep);font-weight:600;text-decoration:underline;text-underline-offset:2px}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.9);
  backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:66px;gap:20px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:19px;letter-spacing:-.5px;flex:none}
.logo .mark{width:32px;height:32px;border-radius:10px;background:linear-gradient(135deg,var(--brand),var(--brand2));
  display:grid;place-items:center;color:#fff;font-size:16px;font-weight:800;box-shadow:0 4px 12px rgba(14,165,164,.35)}
.logo .b{color:var(--brand)}
.menu{display:flex;gap:3px;flex:1;justify-content:center}
.menu a{padding:8px 14px;border-radius:10px;font-size:14.5px;font-weight:600;color:var(--ink2);white-space:nowrap}
.menu a:hover{background:var(--brand-soft);color:var(--brand-deep)}
.nav-cta{flex:none;background:var(--brand);color:#fff;padding:9px 18px;border-radius:10px;
  font-size:14.5px;font-weight:600;box-shadow:0 4px 14px rgba(14,165,164,.3)}
.nav-cta:hover{background:var(--brand-deep)}
.burger{display:none;width:38px;height:38px;border-radius:10px;border:1px solid var(--line);background:#fff;cursor:pointer;font-size:16px}

h1{font-size:clamp(30px,4.6vw,46px);line-height:1.12;font-weight:800;letter-spacing:-1.2px}
h2{font-size:clamp(22px,3vw,30px);font-weight:800;letter-spacing:-.7px;line-height:1.25}
h3{font-size:19px;font-weight:700;letter-spacing:-.3px}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 24px;border-radius:12px;
  font-weight:700;font-size:15px;border:1px solid transparent;cursor:pointer;transition:transform .14s,box-shadow .14s}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:linear-gradient(135deg,var(--brand),var(--brand-deep));color:#fff;box-shadow:0 6px 20px rgba(14,165,164,.35)}
.btn-ghost{background:#fff;color:var(--ink);border-color:var(--line);box-shadow:var(--shadow)}

/* ---------- article / page ---------- */
.page-hero{padding:52px 0 30px;background:
  radial-gradient(700px 280px at 88% -10%, #d9fbf8 0%, transparent 62%),
  radial-gradient(560px 240px at 4% 6%, #fff4dd 0%, transparent 58%),
  linear-gradient(180deg,#ffffff,#fbfeff)}
.crumb{font-size:13px;color:var(--muted);margin-bottom:14px}
.crumb a{color:var(--brand-deep);font-weight:600}
.byline{display:flex;gap:10px;flex-wrap:wrap;align-items:center;font-size:13.5px;color:var(--muted);margin-top:18px}
.byline .pill{background:#fff;border:1px solid var(--line);padding:4px 12px;border-radius:999px;font-weight:600;color:var(--ink2)}
.article{padding:34px 0 60px}
.article p{margin:16px 0;color:var(--ink2);font-size:17px;line-height:1.75}
.article h2{margin:38px 0 12px}
.article h3{margin:28px 0 8px}
.article ul,.article ol{margin:14px 0 14px 22px;color:var(--ink2);font-size:16.5px;line-height:1.75}
.article li{margin:7px 0}
.article strong{color:var(--ink)}
.article a{color:var(--brand-deep);font-weight:600;text-decoration:underline;text-underline-offset:2px}

.callout{border-left:4px solid var(--brand);background:var(--brand-soft);border-radius:0 13px 13px 0;padding:17px 20px;margin:24px 0}
.callout.warn{border-color:var(--sun);background:var(--sun-soft)}
.callout p{margin:5px 0;font-size:15.5px}
.callout .k{display:block;font-size:12px;font-weight:800;letter-spacing:.07em;text-transform:uppercase;
  color:var(--brand-deep);margin-bottom:5px}
.callout.warn .k{color:#b45309}

.verdict{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);margin:26px 0}
.verdict h3{margin:0 0 14px}
.vrow{display:flex;gap:14px;padding:13px 0;border-bottom:1px solid var(--line2)}
.vrow:last-child{border-bottom:none}
.vrow .badge{flex:none;font-size:11px;font-weight:800;padding:5px 11px;border-radius:999px;height:fit-content;
  background:var(--brand-soft);color:var(--brand-deep);white-space:nowrap}
.vrow .badge.b2{background:var(--sky-soft);color:#0369a1}
.vrow .badge.b3{background:var(--violet-soft);color:#6d28d9}
.vrow .badge.b4{background:var(--sun-soft);color:#b45309}
.vrow b{display:block;font-size:16px;margin-bottom:2px}
.vrow span{font-size:14.5px;color:var(--muted)}

.tw{overflow-x:auto;margin:24px 0;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow)}
table{width:100%;border-collapse:collapse;font-size:14.5px;background:#fff;min-width:640px}
thead th{background:var(--bg2);text-align:left;padding:13px 15px;font-weight:800;font-size:12.5px;
  border-bottom:2px solid var(--line);white-space:nowrap}
tbody td{padding:12px 15px;border-bottom:1px solid var(--line2);color:var(--ink2);vertical-align:top}
tbody tr:last-child td{border-bottom:none}

.pros{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:18px 0}
.pros div{border-radius:13px;padding:16px 18px;border:1px solid var(--line)}
.pros .good{background:var(--lime-soft);border-color:#d9f0b8}
.pros .bad{background:var(--rose-soft);border-color:#ffd7de}
.pros h4{font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;margin-bottom:9px}
.pros .good h4{color:#4d7c0f} .pros .bad h4{color:#be123c}
.pros ul{margin:0 0 0 18px;font-size:14.5px}

.faq details{border:1px solid var(--line);border-radius:13px;padding:15px 18px;margin:11px 0;background:#fff}
.faq summary{font-weight:700;cursor:pointer;font-size:16px}
.faq p{margin:11px 0 2px;font-size:15.5px}

.toc{background:var(--bg2);border:1px solid var(--line);border-radius:14px;padding:19px 22px;margin:26px 0}
.toc h4{font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;margin-bottom:11px;color:var(--muted)}
.toc a{display:block;padding:5px 0;font-size:15px;color:var(--ink2);font-weight:500}
.toc a:hover{color:var(--brand-deep)}

/* legal pages */
.legal h2{font-size:21px;margin:32px 0 10px}
.legal p,.legal li{font-size:16px;color:var(--ink2);line-height:1.75}
.legal .updated{font-size:14px;color:var(--muted);margin-top:8px}

/* footer */
footer{background:var(--bg2);border-top:1px solid var(--line);padding:46px 0 26px;margin-top:12px}
.aff-note{background:#fff;border:1px solid #ffe3b0;border-left:4px solid var(--sun);
  border-radius:13px;padding:16px 19px;font-size:13.5px;color:var(--ink2);margin-bottom:30px;line-height:1.65}
.aff-note b{color:var(--ink)} .aff-note a{color:var(--brand-deep);font-weight:600}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:34px;margin-bottom:32px}
.fgrid h5{font-size:12.5px;font-weight:800;text-transform:uppercase;letter-spacing:.07em;margin-bottom:14px;color:var(--ink)}
.fgrid a{display:block;font-size:14px;color:var(--muted);padding:5px 0}
.fgrid a:hover{color:var(--brand-deep)}
.fabout p{font-size:14px;color:var(--muted);max-width:42ch;margin-top:13px}
.fbot{border-top:1px solid var(--line);padding-top:20px;display:flex;justify-content:space-between;
  gap:14px;flex-wrap:wrap;font-size:13px;color:var(--faint)}

@media (max-width:860px){
  .menu{display:none} .burger{display:grid;place-items:center} .nav-cta{display:none}
  .fgrid{grid-template-columns:1fr 1fr;gap:26px}
  .pros{grid-template-columns:1fr}
}
@media (max-width:520px){ .fgrid{grid-template-columns:1fr} }