:root{
  --ink:#172033;
  --ink-2:#24324a;
  --teal:#087f7c;
  --teal-dark:#05615f;
  --coral:#d95f3d;
  --amber:#b56b12;
  --paper:#ffffff;
  --mist:#f3f7f7;
  --line:#d8e1e4;
  --muted:#5c6878;
  --success:#1d6b4f;
  --shadow:0 18px 45px rgba(23,32,51,.10);
  --radius:18px;
  --max:1420px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  color:var(--ink);
  background:var(--paper);
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  line-height:1.65;
  text-rendering:optimizeLegibility;
}
img,svg{max-width:100%;height:auto}
a{color:var(--teal-dark);text-decoration-thickness:.09em;text-underline-offset:.18em}
a:hover{color:var(--coral)}
button,input,select,textarea{font:inherit}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--ink);color:#fff;padding:.75rem 1rem;z-index:999}
.skip-link:focus{left:1rem;top:1rem}
.notice-bar{
  background:#0f172a;
  color:#e6edf6;
  font-size:.84rem;
  text-align:center;
  padding:.55rem 1rem;
}
.notice-bar a{color:#fff}
.site-header{border-bottom:1px solid var(--line);background:rgba(255,255,255,.97);position:sticky;top:0;z-index:50}
.header-inner{
  max-width:var(--max);
  margin:auto;
  min-height:76px;
  padding:.75rem clamp(1rem,3vw,2rem);
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:1rem;
}
.brand{display:flex;align-items:center;gap:.78rem;color:var(--ink);text-decoration:none;min-width:0}
.brand-mark{
  width:46px;height:38px;border:3px solid var(--teal);border-radius:7px;position:relative;flex:0 0 auto;
  background:linear-gradient(135deg,#fff 0 67%,#e7f5f3 67%);
}
.brand-mark:after{content:"";position:absolute;left:-7px;right:-7px;bottom:-8px;height:5px;border-radius:8px;background:var(--coral)}
.brand-text{display:grid;line-height:1.08}
.brand-text strong{font-size:1.08rem;letter-spacing:-.02em}
.brand-text span{font-size:.75rem;color:var(--muted);margin-top:.25rem}
.main-nav{display:flex;align-items:center;gap:.2rem}
.main-nav a{
  color:var(--ink);text-decoration:none;font-weight:700;font-size:.93rem;padding:.62rem .72rem;border-radius:10px;white-space:nowrap
}
.main-nav a:hover,.main-nav a[aria-current="page"]{background:var(--mist);color:var(--teal-dark)}
.menu-button{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:.55rem .7rem;font-weight:800;color:var(--ink)}
.wrap{max-width:var(--max);margin:auto;padding-left:clamp(1rem,3vw,2rem);padding-right:clamp(1rem,3vw,2rem)}
.hero{
  background:
    radial-gradient(circle at 90% 10%,rgba(217,95,61,.16),transparent 27rem),
    radial-gradient(circle at 10% 95%,rgba(8,127,124,.17),transparent 30rem),
    linear-gradient(180deg,#f8fbfb,#fff);
  border-bottom:1px solid var(--line);
}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(300px,.8fr);gap:clamp(2rem,5vw,5rem);align-items:center;padding-top:clamp(3.4rem,8vw,7rem);padding-bottom:clamp(3rem,7vw,6rem)}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;color:var(--teal-dark);font-weight:850;letter-spacing:.09em;text-transform:uppercase;font-size:.77rem}
.eyebrow:before{content:"";width:28px;height:3px;background:var(--coral);border-radius:4px}
h1,h2,h3{line-height:1.15;letter-spacing:-.035em;margin-top:0}
h1{font-size:clamp(2.45rem,6vw,5.2rem);margin-bottom:1.2rem;max-width:13ch}
h2{font-size:clamp(1.75rem,3.4vw,2.75rem);margin-bottom:1rem}
h3{font-size:1.25rem;margin-bottom:.6rem}
.lead{font-size:clamp(1.08rem,1.8vw,1.32rem);color:var(--ink-2);max-width:62ch}
.button-row{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.7rem}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.8rem 1.05rem;border-radius:12px;font-weight:850;text-decoration:none;border:2px solid var(--teal);background:var(--teal);color:#fff;cursor:pointer}
.btn:hover{background:var(--teal-dark);border-color:var(--teal-dark);color:#fff}
.btn.secondary{background:#fff;color:var(--teal-dark)}
.btn.secondary:hover{background:var(--mist)}
.hero-panel{background:#fff;border:1px solid var(--line);border-radius:24px;padding:clamp(1.2rem,3vw,2rem);box-shadow:var(--shadow)}
.hero-panel .mini-title{font-weight:850;color:var(--muted);text-transform:uppercase;font-size:.78rem;letter-spacing:.07em}
.decision-list{display:grid;gap:.8rem;margin-top:1rem}
.decision-item{display:grid;grid-template-columns:42px 1fr;gap:.85rem;align-items:start;padding:.8rem;border-radius:14px;background:var(--mist)}
.decision-num{width:36px;height:36px;border-radius:10px;background:var(--ink);color:#fff;display:grid;place-items:center;font-weight:900}
.section{padding-top:clamp(3.5rem,7vw,6rem);padding-bottom:clamp(3.5rem,7vw,6rem)}
.section.soft{background:var(--mist)}
.section-head{display:flex;align-items:end;justify-content:space-between;gap:1.5rem;margin-bottom:2rem}
.section-head p{max-width:62ch;color:var(--muted);margin:0}
.grid{display:grid;gap:1rem}
.grid.cards{grid-template-columns:repeat(3,minmax(0,1fr))}
.card{
  border:1px solid var(--line);border-radius:var(--radius);padding:1.25rem;background:#fff;
  box-shadow:0 8px 24px rgba(23,32,51,.05)
}
.card h3 a{color:var(--ink);text-decoration:none}
.card h3 a:hover{color:var(--teal-dark)}
.card p{color:var(--muted);margin-bottom:.8rem}
.card .tag{display:inline-block;color:var(--teal-dark);font-size:.78rem;font-weight:850;text-transform:uppercase;letter-spacing:.05em;margin-bottom:.6rem}
.card-link{font-weight:850;text-decoration:none}
.category-band{border-left:5px solid var(--teal);padding-left:1rem}
.category-band.coral{border-color:var(--coral)}
.category-band.amber{border-color:var(--amber)}
.article-hero{background:linear-gradient(180deg,#f5f9f9,#fff);border-bottom:1px solid var(--line)}
.article-hero .wrap{padding-top:clamp(2.5rem,6vw,5rem);padding-bottom:clamp(2.4rem,5vw,4rem)}
.breadcrumbs{font-size:.86rem;color:var(--muted);margin-bottom:1rem}
.breadcrumbs a{color:var(--muted)}
.article-hero h1{font-size:clamp(2.25rem,5.2vw,4.4rem);max-width:19ch;margin-bottom:1rem}
.article-meta{display:flex;flex-wrap:wrap;gap:.7rem 1.3rem;color:var(--muted);font-size:.9rem;margin-top:1.3rem}
.article-layout{display:grid;grid-template-columns:minmax(0,880px) minmax(240px,1fr);gap:clamp(2rem,5vw,5rem);align-items:start}
.article-content{font-size:1.04rem}
.article-content h2{margin-top:2.8rem;font-size:clamp(1.55rem,3vw,2.2rem)}
.article-content h3{margin-top:2rem}
.article-content p{max-width:76ch}
.quick-answer{border:1px solid #acd8d3;border-left:6px solid var(--teal);background:#effaf8;border-radius:14px;padding:1.2rem 1.35rem;margin:0 0 2rem}
.quick-answer strong{display:block;margin-bottom:.35rem}
.callout{border:1px solid #f0c2b6;background:#fff7f4;border-radius:14px;padding:1.1rem 1.3rem;margin:1.5rem 0}
.note{border:1px solid #ead6aa;background:#fffaf0;border-radius:14px;padding:1.1rem 1.3rem;margin:1.5rem 0}
.steps{counter-reset:steps;display:grid;gap:1rem;padding:0}
.steps li{list-style:none;position:relative;padding:1rem 1rem 1rem 4rem;border:1px solid var(--line);border-radius:14px}
.steps li:before{counter-increment:steps;content:counter(steps);position:absolute;left:1rem;top:1rem;width:2.2rem;height:2.2rem;display:grid;place-items:center;background:var(--ink);color:#fff;border-radius:10px;font-weight:900}
.steps strong{display:block;margin-bottom:.25rem}
.checklist{padding:0;margin:1rem 0;display:grid;gap:.6rem}
.checklist li{list-style:none;padding:.72rem .85rem .72rem 2.55rem;border:1px solid var(--line);border-radius:12px;position:relative;background:#fff}
.checklist li:before{content:"✓";position:absolute;left:.85rem;color:var(--success);font-weight:900}
.pitfalls li:before{content:"!";color:var(--coral)}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:14px;margin:1.2rem 0}
table{border-collapse:collapse;width:100%;min-width:620px;background:#fff}
th,td{text-align:left;padding:.85rem .95rem;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--ink);color:#fff;font-size:.9rem}
tr:last-child td{border-bottom:0}
.sidebar{position:sticky;top:105px;display:grid;gap:1rem}
.sidebar-card{border:1px solid var(--line);border-radius:16px;padding:1rem;background:#fff}
.sidebar-card h2{font-size:1rem;letter-spacing:0;margin-bottom:.65rem}
.sidebar-card a{display:block;padding:.43rem 0;text-decoration:none;font-weight:700;border-bottom:1px solid #edf1f2}
.sidebar-card a:last-child{border-bottom:0}
.author-box{display:grid;grid-template-columns:58px 1fr;gap:1rem;align-items:start;border-top:1px solid var(--line);margin-top:3rem;padding-top:1.5rem}
.author-avatar{width:58px;height:58px;border-radius:16px;background:linear-gradient(135deg,var(--teal),var(--ink));color:#fff;display:grid;place-items:center;font-weight:900}
.related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}
.tool-shell{max-width:980px;margin:auto}
.tool-card{border:1px solid var(--line);border-radius:20px;padding:clamp(1rem,3vw,2rem);box-shadow:var(--shadow);background:#fff}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}
.field{display:grid;gap:.4rem}
.field.full{grid-column:1/-1}
label{font-weight:800}
input,select,textarea{width:100%;border:1px solid #aebbc2;border-radius:10px;padding:.72rem .8rem;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(8,127,124,.2);border-color:var(--teal)}
.range-line{display:grid;grid-template-columns:1fr 88px;gap:.7rem;align-items:center}
.result{display:none;margin-top:1.5rem;border:2px solid var(--teal);border-radius:16px;padding:1.2rem;background:#effaf8}
.result.show{display:block}
.result h2{font-size:1.45rem}
.score-row{display:grid;grid-template-columns:minmax(120px,1fr) 3fr 52px;gap:.7rem;align-items:center;margin:.55rem 0}
.score-track{height:12px;background:#dce6e7;border-radius:10px;overflow:hidden}
.score-fill{height:100%;background:linear-gradient(90deg,var(--teal),var(--coral));width:0}
.disclosure-box{border:2px solid var(--coral);background:#fff7f4;border-radius:16px;padding:1.1rem 1.2rem}
.site-footer{margin-top:4rem;background:#101827;color:#dce4ef}
.footer-grid{display:grid;grid-template-columns:1.25fr repeat(3,minmax(160px,1fr));gap:2rem;padding-top:3rem;padding-bottom:2.5rem}
.site-footer h2,.site-footer h3{color:#fff;font-size:1rem;letter-spacing:0}
.site-footer a{color:#dce4ef;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.site-footer ul{padding:0;margin:0;display:grid;gap:.45rem}
.site-footer li{list-style:none}
.footer-note{border-top:1px solid #33415a;padding:1rem 0 1.6rem;color:#b9c4d1;font-size:.82rem}
.legal-nonaffiliation{margin-top:1rem;padding:.85rem;border:1px solid #415069;border-radius:12px;color:#cbd5e1;font-size:.82rem}
.page-hero{background:var(--mist);border-bottom:1px solid var(--line)}
.page-hero .wrap{padding-top:3rem;padding-bottom:3rem}
.page-hero h1{font-size:clamp(2.3rem,5vw,4.2rem);max-width:18ch}
.prose{max-width:900px}
.prose h2{margin-top:2.6rem}
.prose h3{margin-top:1.7rem}
.prose li{margin:.35rem 0}
.directory{display:grid;gap:2.5rem}
.directory-group h2{font-size:1.7rem}
.directory-links{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.7rem}
.directory-links a{border:1px solid var(--line);border-radius:12px;padding:.8rem;text-decoration:none;font-weight:750;background:#fff}
.kicker{color:var(--coral);font-weight:850}
.small{font-size:.88rem;color:var(--muted)}
hr{border:0;border-top:1px solid var(--line);margin:2.5rem 0}
@media(max-width:980px){
  .main-nav{display:none;position:absolute;left:1rem;right:1rem;top:72px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:.6rem;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}
  .main-nav.open{display:flex}
  .main-nav a{padding:.8rem}
  .menu-button{display:inline-flex}
  .hero-grid,.article-layout{grid-template-columns:1fr}
  .hero-panel{max-width:680px}
  .sidebar{position:static;grid-template-columns:repeat(2,minmax(0,1fr))}
  .grid.cards,.related-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .footer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:640px){
  .brand-text span{display:none}
  .header-inner{min-height:68px}
  .main-nav{top:65px}
  .hero-grid{padding-top:3rem}
  h1{font-size:2.55rem}
  .grid.cards,.related-grid,.form-grid,.directory-links,.sidebar{grid-template-columns:1fr}
  .field.full{grid-column:auto}
  .section-head{display:block}
  .section-head p{margin-top:.5rem}
  .footer-grid{grid-template-columns:1fr}
  .score-row{grid-template-columns:1fr 42px}
  .score-track{grid-column:1/-1;grid-row:2}
}
@media print{
  .notice-bar,.site-header,.site-footer,.sidebar,.button-row,.no-print{display:none!important}
  body{font-size:11pt;color:#000}
  .wrap{max-width:none;padding:0}
  .article-layout{display:block}
  a{color:#000;text-decoration:none}
  .tool-card,.card,.checklist li{box-shadow:none}
  .result{display:block}
}