:root{--primary:#0088CC;--primary-dark:#006699;--primary-light:#4FB0DD;--primary-50:#E6F3FA;--secondary:#F5A623;--secondary-dark:#D68E12;--secondary-light:#FBC979;--accent:#00B8D4;--accent-dark:#0097B2;--accent-light:#4FD3E8;--cream:#FFFFFF;--cream-dark:#F0F8FC;--surface:#FFF;--border:#D7E7F0;--border-dark:#B8D4E3;--text:#0D2436;--text-secondary:#4A5A6B;--text-muted:#7A8899;--text-inverse:#FFFFFF;--success:#4A9D6B;--warning:#D4A24C;--error:#C5443B;--info:#0088CC;--font-heading:'Fraunces',Georgia,'Times New Roman',serif;--font-body:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;--font-mono:'JetBrains Mono','Courier New',monospace;--space-xs:.5rem;--space-sm:1rem;--space-md:1.5rem;--space-lg:2rem;--space-xl:3rem;--space-2xl:4rem;--space-3xl:6rem;--radius-sm:4px;--radius-md:8px;--radius-lg:16px;--radius-xl:24px;--radius-full:9999px;--shadow-sm:0 1px 2px rgba(31,95,91,0.06);--shadow-md:0 4px 12px rgba(31,95,91,0.08);--shadow-lg:0 8px 24px rgba(31,95,91,0.10);--shadow-xl:0 16px 40px rgba(31,95,91,0.12);--transition-fast:150ms ease;--transition:250ms ease;--transition-slow:400ms ease;--max-width:1200px;--max-width-content:760px}*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{font-family:var(--font-body);font-size:17px;line-height:1.65;color:var(--text);background:var(--cream);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}img,svg{max-width:100%;height:auto;display:block}a{color:var(--primary);text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1px;transition:color var(--transition-fast)}a:hover{color:var(--accent-dark)}h1,h2,h3,h4,h5,h6{font-family:var(--font-heading);font-weight:600;line-height:1.2;color:var(--text);letter-spacing:-0.015em}h1{font-size:clamp(2.2rem,4.5vw,3.4rem);margin-bottom:1rem;font-weight:700}h2{font-size:clamp(1.7rem,3.2vw,2.4rem);margin:2.5rem 0 1rem}h3{font-size:clamp(1.3rem,2.2vw,1.7rem);margin:2rem 0 .75rem}h4{font-size:1.2rem;margin:1.5rem 0 .5rem}p{margin-bottom:1.1rem}ul,ol{margin:1rem 0 1.5rem 1.5rem}li{margin-bottom:.5rem}.container{max-width:var(--max-width);margin:0 auto;padding:0 1.5rem}.container-content{max-width:var(--max-width-content);margin:0 auto;padding:0 1.5rem}.site-header{background:var(--surface);border-bottom:1px solid var(--border);box-shadow:var(--shadow-sm);position:relative;z-index:50}.header-inner{display:flex;align-items:center;justify-content:space-between;padding:1rem 1.5rem;max-width:var(--max-width);margin:0 auto}.logo{text-decoration:none;display:inline-flex;flex-direction:column;align-items:flex-start;line-height:1;gap:.2rem;transition:transform var(--transition-fast);}.logo:hover{transform:translateY(-1px)}.logo-main{font-family:var(--font-heading);font-weight:800;font-size:1.6rem;font-style:italic;color:#F57C00;letter-spacing:-0.015em;padding:.05em .18em;background:linear-gradient(180deg,transparent 68%,rgba(245,166,35,0.3) 68%,rgba(245,166,35,0.3) 92%,transparent 92%);transition:color var(--transition-fast);line-height:1.1;}.logo:hover .logo-main{color:#E06B00}.logo-subtitle{font-family:var(--font-body);font-size:.68rem;font-weight:600;color:var(--primary);letter-spacing:0.14em;text-transform:uppercase;padding-left:.18em;line-height:1;}.logo-mark{display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;background:var(--primary);color:var(--cream);border-radius:var(--radius-md);font-weight:700;font-size:1.1rem;font-family:var(--font-body)}.main-nav{display:flex;gap:1.75rem;align-items:center}.main-nav a{color:var(--text-secondary);text-decoration:none;font-weight:500;font-size:.95rem;transition:color var(--transition-fast)}.main-nav a:hover,.main-nav a.active{color:var(--primary)}.nav-cta{background:var(--accent);color:var(--cream)!important;padding:.6rem 1.2rem;border-radius:var(--radius-full);font-weight:600!important;transition:background var(--transition-fast)}.nav-cta:hover{background:var(--accent-dark);color:var(--cream)!important}.menu-toggle{display:none;background:none;border:none;cursor:pointer;padding:.5rem;color:var(--primary)}.hero{background-color:var(--primary-50);background-image:linear-gradient(100deg,rgba(255,255,255,0.9) 0%,rgba(255,255,255,0.72) 30%,rgba(255,255,255,0.35) 55%,rgba(255,255,255,0.08) 80%,rgba(255,255,255,0) 100%),url('../images/hero-bg.jpg');background-size:cover;background-position:right center;background-repeat:no-repeat;padding:4rem 0 4.5rem;border-bottom:1px solid var(--border);position:relative;}@media (max-width:600px){.hero{background-image:linear-gradient(180deg,rgba(255,255,255,0.88) 0%,rgba(255,255,255,0.6) 55%,rgba(255,255,255,0.25) 100%),url('../images/hero-bg-mobile.jpg');background-position:center bottom;}}.hero-inner{max-width:var(--max-width-content);margin:0 auto;padding:0 1.5rem;text-align:center}.hero-eyebrow{display:inline-block;background:var(--primary);color:var(--cream);padding:.35rem .9rem;border-radius:var(--radius-full);font-size:.8rem;font-weight:600;letter-spacing:.03em;text-transform:uppercase;margin-bottom:1.2rem}.hero h1{margin-bottom:1.2rem}.hero-subtitle{font-size:1.2rem;color:var(--text);max-width:600px;margin:0 auto 2rem;line-height:1.6;text-shadow:0 1px 3px rgba(255,255,255,0.95),0 0 10px rgba(255,255,255,0.6);position:relative}.hero-cta-group{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap;margin-top:2rem}.btn{display:inline-block;padding:.9rem 1.8rem;border-radius:var(--radius-full);font-weight:600;text-decoration:none;transition:all var(--transition);border:2px solid transparent;cursor:pointer;font-size:1rem;font-family:var(--font-body)}.btn-primary{background:var(--accent);color:var(--cream)}.btn-primary:hover{background:var(--accent-dark);color:var(--cream);transform:translateY(-1px);box-shadow:var(--shadow-md)}.btn-secondary{background:var(--surface);color:var(--primary);border-color:var(--primary)}.btn-secondary:hover{background:var(--primary);color:var(--cream)}.btn-ghost{background:transparent;color:var(--primary);text-decoration:underline}.page-content{padding:3rem 0 4rem}.page-content h1{text-align:center;margin-bottom:.5rem}.page-meta{text-align:center;color:var(--text-muted);font-size:.9rem;margin-bottom:2.5rem}.content-section{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:2.5rem;margin-bottom:2rem;box-shadow:var(--shadow-sm)}.trust-bar{background:var(--surface);border-bottom:1px solid var(--border);padding:1.5rem 0}.trust-items{display:flex;justify-content:center;gap:3rem;flex-wrap:wrap;text-align:center}.trust-item{display:flex;flex-direction:column;align-items:center;gap:.3rem}.trust-number{font-family:var(--font-heading);font-size:1.8rem;font-weight:700;color:var(--primary);line-height:1}.trust-label{font-size:.85rem;color:var(--text-secondary);font-weight:500}.features-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.5rem;margin:2rem 0}.feature-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:2rem;transition:all var(--transition)}.feature-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md);border-color:var(--primary-light)}.feature-icon{display:inline-flex;align-items:center;justify-content:center;width:48px;height:48px;background:var(--primary-50);color:var(--primary);border-radius:var(--radius-md);font-size:1.4rem;font-weight:700;margin-bottom:1rem}.feature-card h3{margin:.5rem 0 .75rem;font-size:1.25rem}.feature-card p{color:var(--text-secondary);font-size:.98rem;margin:0}.section{padding:3.5rem 0}.section-alt{background:var(--cream-dark)}.section-header{text-align:center;margin-bottom:2.5rem;max-width:700px;margin-left:auto;margin-right:auto}.section-eyebrow{color:var(--accent-dark);font-weight:600;font-size:.85rem;letter-spacing:.05em;text-transform:uppercase;margin-bottom:.75rem}.section-header h2{margin-top:0}.section-subtitle{color:var(--text-secondary);font-size:1.1rem}.comparison-table{width:100%;border-collapse:collapse;background:var(--surface);border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-sm);margin:2rem 0}.comparison-table thead{background:var(--primary);color:var(--cream)}.comparison-table th,.comparison-table td{padding:1rem 1.2rem;text-align:left;border-bottom:1px solid var(--border)}.comparison-table th{font-family:var(--font-heading);font-weight:600;font-size:.95rem}.comparison-table tbody tr:last-child td{border-bottom:none}.comparison-table tbody tr:nth-child(even){background:var(--cream)}.faq{margin:2rem 0}.faq-item{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);margin-bottom:1rem;overflow:hidden}.faq-question{width:100%;background:none;border:none;padding:1.3rem 1.5rem;text-align:left;font-family:var(--font-heading);font-size:1.1rem;font-weight:600;color:var(--text);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1rem}.faq-question:hover{background:var(--cream)}.faq-toggle{color:var(--primary);font-size:1.5rem;transition:transform var(--transition);font-weight:300}.faq-item.open .faq-toggle{transform:rotate(45deg)}.faq-answer{padding:0 1.5rem;max-height:0;overflow:hidden;transition:max-height var(--transition-slow),padding var(--transition);color:var(--text-secondary)}.faq-item.open .faq-answer{padding:0 1.5rem 1.5rem;max-height:800px}.callout{background:var(--primary-50);border-left:4px solid var(--primary);padding:1.2rem 1.5rem;border-radius:var(--radius-md);margin:1.5rem 0}.callout-warning{background:#FDF4E7;border-left-color:var(--secondary)}.callout-caution{background:#FDECEA;border-left-color:var(--accent)}.callout strong{display:block;margin-bottom:.4rem;color:var(--text)}.cta-band{background-color:var(--primary);background-image:linear-gradient(135deg,rgba(0,136,204,0.62) 0%,rgba(0,102,153,0.55) 100%),url('../images/cta-bg.jpg');background-size:cover;background-position:center center;background-repeat:no-repeat;color:var(--cream);padding:3.5rem 1.5rem;text-align:center;border-radius:var(--radius-xl);margin:3rem auto;max-width:var(--max-width);position:relative;overflow:hidden;text-shadow:0 1px 3px rgba(0,0,0,0.35);}.cta-band h2{color:var(--cream);margin-top:0;margin-bottom:1rem}.cta-band p{color:rgba(250,246,239,0.9);font-size:1.1rem;max-width:600px;margin:0 auto 1.8rem}.cta-band .btn-primary{background:var(--secondary);color:var(--primary-dark)}.cta-band .btn-primary:hover{background:var(--secondary-light);color:var(--primary-dark)}.calculator{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:2.5rem;box-shadow:var(--shadow-md);margin:2rem 0}.calc-field{margin-bottom:1.5rem}.calc-field label{display:block;font-weight:600;margin-bottom:.5rem;color:var(--text)}.calc-field input,.calc-field select{width:100%;padding:.85rem 1rem;border:2px solid var(--border);border-radius:var(--radius-md);font-family:var(--font-body);font-size:1rem;background:var(--cream);transition:border-color var(--transition-fast)}.calc-field input:focus,.calc-field select:focus{outline:none;border-color:var(--primary);background:var(--surface)}.calc-field-hint{font-size:.85rem;color:var(--text-muted);margin-top:.3rem}.calc-slider{-webkit-appearance:none;width:100%;height:6px;background:var(--border);border-radius:var(--radius-full);outline:none}.calc-slider::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;background:var(--primary);border-radius:var(--radius-full);cursor:pointer;border:3px solid var(--cream);box-shadow:var(--shadow-sm)}.calc-slider::-moz-range-thumb{width:24px;height:24px;background:var(--primary);border-radius:var(--radius-full);cursor:pointer;border:3px solid var(--cream)}.calc-results{background:var(--primary-50);border:1px solid var(--primary-light);border-radius:var(--radius-md);padding:1.5rem;margin-top:1.5rem}.calc-result-row{display:flex;justify-content:space-between;padding:.6rem 0;border-bottom:1px solid var(--primary-light);align-items:center}.calc-result-row:last-child{border-bottom:none}.calc-result-label{color:var(--text-secondary);font-size:.95rem}.calc-result-value{font-family:var(--font-heading);font-weight:700;color:var(--primary);font-size:1.2rem}.calc-result-value.highlight{color:var(--accent-dark);font-size:1.5rem}.apply-form-wrap{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:2rem;box-shadow:var(--shadow-md);margin:2rem 0}.apply-steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1.5rem;margin:2rem 0}.apply-step{text-align:center;padding:1.5rem;background:var(--cream);border-radius:var(--radius-md);border:1px solid var(--border)}.apply-step-num{display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;background:var(--primary);color:var(--cream);border-radius:var(--radius-full);font-weight:700;margin-bottom:.8rem;font-family:var(--font-heading)}.site-footer{background:var(--primary-dark);color:rgba(250,246,239,0.85);padding:3.5rem 0 1.5rem;margin-top:4rem}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2.5rem;margin-bottom:2rem;max-width:var(--max-width);padding:0 1.5rem;margin-left:auto;margin-right:auto}.footer-col h4{color:var(--cream);font-family:var(--font-heading);margin:0 0 1rem;font-size:1rem;font-weight:600}.footer-col ul{list-style:none;margin:0;padding:0}.footer-col li{margin-bottom:.5rem}.footer-col a{color:rgba(250,246,239,0.75);text-decoration:none;font-size:.92rem;transition:color var(--transition-fast)}.footer-col a:hover{color:var(--secondary-light)}.footer-brand{display:inline-flex;flex-direction:column;gap:.3rem;margin-bottom:1rem;line-height:1;}.footer-brand-main{font-family:var(--font-heading);font-size:1.6rem;font-style:italic;font-weight:800;color:#FFB84D;letter-spacing:-0.015em;line-height:1.1;}.footer-brand-subtitle{font-family:var(--font-body);font-size:.7rem;font-weight:600;color:rgba(255,255,255,0.78);letter-spacing:0.14em;text-transform:uppercase;line-height:1;}.footer-tagline{font-size:.92rem;margin-bottom:1rem;line-height:1.6}.footer-disclosure{background:rgba(250,246,239,0.08);padding:1.2rem 1.5rem;border-radius:var(--radius-md);font-size:.82rem;line-height:1.6;color:rgba(250,246,239,0.75);max-width:var(--max-width);margin:0 auto 1.5rem}.footer-bottom{border-top:1px solid rgba(250,246,239,0.15);padding:1.5rem 1.5rem 0;text-align:center;font-size:.85rem;color:rgba(250,246,239,0.65);max-width:var(--max-width);margin:0 auto}.breadcrumbs{padding:1rem 1.5rem;background:var(--cream-dark);border-bottom:1px solid var(--border);font-size:.88rem;color:var(--text-muted)}.breadcrumbs ol{list-style:none;display:flex;gap:.5rem;margin:0;padding:0;max-width:var(--max-width);margin-left:auto;margin-right:auto;flex-wrap:wrap}.breadcrumbs li::after{content:'/';margin-left:.5rem;color:var(--text-muted)}.breadcrumbs li:last-child::after{content:''}.breadcrumbs a{color:var(--text-secondary);text-decoration:none}.breadcrumbs a:hover{color:var(--primary)}.toc{background:var(--primary-50);border-left:4px solid var(--primary);padding:1.3rem 1.5rem;border-radius:var(--radius-md);margin:2rem 0}.toc h4{margin:0 0 .75rem;color:var(--primary);font-size:1rem}.toc ol{margin:0 0 0 1.25rem;padding:0}.toc li{margin-bottom:.4rem;font-size:.95rem}.author-box{display:flex;align-items:center;gap:1rem;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);padding:1.2rem 1.5rem;margin:2rem 0}.author-avatar{width:54px;height:54px;border-radius:var(--radius-full);background:var(--primary);color:var(--cream);display:flex;align-items:center;justify-content:center;font-family:var(--font-heading);font-weight:700;font-size:1.3rem;flex-shrink:0}.author-info strong{display:block;color:var(--text);margin-bottom:.2rem}.author-info p{margin:0;font-size:.9rem;color:var(--text-muted)}.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;margin:2rem 0}.pros,.cons{padding:1.5rem;border-radius:var(--radius-md)}.pros{background:#EFF7F0;border:1px solid #B9D9BD}.cons{background:#FDECEA;border:1px solid #F5BFB7}.pros h3,.cons h3{margin:0 0 .75rem;font-size:1.1rem}.pros h3{color:var(--success)}.cons h3{color:var(--accent-dark)}.pros ul,.cons ul{margin:0;padding-left:1.2rem}.related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1.5rem;margin:2rem 0}.related-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);padding:1.5rem;transition:all var(--transition)}.related-card:hover{transform:translateY(-2px);box-shadow:var(--shadow-md);border-color:var(--primary-light)}.related-card h4{margin:0 0 .5rem;font-size:1.05rem}.related-card h4 a{color:var(--text);text-decoration:none}.related-card h4 a:hover{color:var(--primary)}.related-card p{font-size:.9rem;color:var(--text-muted);margin:0}@media(max-width:900px){.menu-toggle{display:inline-flex}.main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--surface);flex-direction:column;padding:1.5rem;gap:1rem;border-bottom:1px solid var(--border);box-shadow:var(--shadow-md);align-items:stretch}.main-nav.open{display:flex}.main-nav a{padding:.6rem 0;border-bottom:1px solid var(--border)}.main-nav a:last-child{border-bottom:none}.footer-grid{grid-template-columns:1fr 1fr}.pros-cons{grid-template-columns:1fr}.trust-items{gap:1.5rem}.content-section{padding:1.5rem}}@media(max-width:600px){body{font-size:16px}.footer-grid{grid-template-columns:1fr}.cta-band{padding:2.5rem 1rem}.comparison-table th,.comparison-table td{padding:.7rem .6rem;font-size:.9rem}.hero{padding:2.5rem 0 3rem}}.skip-link{position:absolute;top:-40px;left:1rem;background:var(--primary);color:var(--cream);padding:.5rem 1rem;border-radius:var(--radius-sm);z-index:1000;text-decoration:none}.skip-link:focus{top:1rem;color:var(--cream)}.text-center{text-align:center}.mt-0{margin-top:0}.mb-0{margin-bottom:0}.mt-xl{margin-top:3rem}.mb-xl{margin-bottom:3rem}#_lg_form_{min-height:400px;padding:1rem;background:var(--cream);border-radius:var(--radius-md)}.brand-highlight{color:#F57C00;font-style:italic;position:relative;display:inline-block;font-weight:700;background:linear-gradient(180deg,transparent 70%,rgba(245,166,35,0.35) 70%,rgba(245,166,35,0.35) 92%,transparent 92%);padding:0 .05em;}@media (max-width:600px){.brand-highlight{background:none;}}
.editorial-team{padding:3.5rem 0}
.editorial-team-grid{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center;max-width:1140px;margin:0 auto;padding:0 1.5rem}
.editorial-team-image{border-radius:16px;overflow:hidden;box-shadow:0 10px 30px rgba(0,136,204,0.12)}
.editorial-team-image img{width:100%;height:auto;display:block}
.editorial-team-content h2{margin-top:0}
.editorial-team-eyebrow{color:var(--accent-dark);font-weight:600;font-size:.85rem;letter-spacing:.05em;text-transform:uppercase;margin-bottom:.75rem;display:block}
.credentials-list{list-style:none;margin:1.5rem 0 0;padding:0}
.credentials-list li{padding:.75rem 0;border-top:1px solid var(--border);display:flex;align-items:flex-start;gap:.75rem;font-size:.98rem;color:var(--text-secondary)}
.credentials-list li:last-child{border-bottom:1px solid var(--border)}
.credentials-list li strong{color:var(--text);display:block;margin-bottom:.15rem}
.credentials-check{display:inline-flex;align-items:center;justify-content:center;width:24px;height:24px;background:var(--primary-50);color:var(--primary);border-radius:50%;flex-shrink:0;font-size:.8rem;font-weight:700;margin-top:.1rem}
.review-aggregate{background:var(--surface);border:1px solid var(--border);border-radius:16px;padding:2rem;max-width:900px;margin:0 auto 2.5rem;display:grid;grid-template-columns:auto 1fr;gap:2rem;align-items:center}
.review-score{text-align:center;padding-right:2rem;border-right:1px solid var(--border)}
.review-score-number{font-family:var(--font-heading);font-size:3rem;font-weight:700;color:var(--primary);line-height:1}
.review-score-star{color:var(--secondary);font-size:1.1rem;letter-spacing:.1em;margin:.5rem 0}
.review-score-label{font-size:.85rem;color:var(--text-muted)}
.review-source-link{color:var(--primary);font-weight:600;text-decoration:none}
.review-themes-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;max-width:1000px;margin:0 auto}
.review-theme{background:var(--surface);border:1px solid var(--border);border-radius:12px;padding:1.5rem}
.review-theme-badge{display:inline-block;padding:.25rem .75rem;border-radius:999px;font-size:.78rem;font-weight:600;margin-bottom:.75rem;letter-spacing:.02em}
.review-theme-badge.positive{background:#EFF7F0;color:#2E6E42}
.review-theme-badge.concern{background:#FDECEA;color:#A83A2E}
.review-theme h3{font-size:1.1rem;margin:0 0 .5rem}
.review-theme p{font-size:.95rem;color:var(--text-secondary);margin:0}
.faq-section-wrap{max-width:860px;margin:0 auto;padding:0 1.5rem}
@media (max-width:900px){
.editorial-team-grid{grid-template-columns:1fr;gap:2rem}
.review-aggregate{grid-template-columns:1fr;gap:1.5rem;text-align:center}
.review-score{border-right:none;border-bottom:1px solid var(--border);padding:0 0 1.5rem}
.review-themes-grid{grid-template-columns:1fr}
}

.hero-form-section{background:linear-gradient(180deg,var(--primary-50) 0%,var(--surface) 100%);padding:3rem 1.5rem 3.5rem;border-bottom:1px solid var(--border);scroll-margin-top:80px}
.hero-form-wrap{max-width:780px;margin:0 auto}
.hero-form-header{text-align:center;margin-bottom:2rem}
.hero-form-eyebrow{display:inline-block;background:var(--accent);color:#FFF;padding:.35rem .9rem;border-radius:var(--radius-full);font-size:.78rem;font-weight:600;letter-spacing:.05em;text-transform:uppercase;margin-bottom:1rem}
.hero-form-header h2{margin:0 0 .75rem;font-size:clamp(1.5rem,3vw,2rem)}
.hero-form-header p{color:var(--text-secondary);margin:0 auto;max-width:560px;font-size:1.02rem;line-height:1.6}
.hero-form-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-xl);padding:2rem 1.75rem;box-shadow:0 10px 40px rgba(0,136,204,0.08);position:relative}
.hero-form-card::before{content:"";position:absolute;top:-1px;left:1.5rem;right:1.5rem;height:3px;background:linear-gradient(90deg,var(--primary),var(--accent));border-radius:0 0 3px 3px}
.hero-form-trust{display:flex;justify-content:center;gap:1.5rem;flex-wrap:wrap;margin-top:1.5rem;padding-top:1.25rem;border-top:1px solid var(--border);font-size:.82rem;color:var(--text-muted)}
.hero-form-trust-item{display:flex;align-items:center;gap:.4rem}
.hero-form-trust-check{color:var(--primary);font-weight:700}
#_lg_form_{min-height:400px}
@media (max-width:600px){
.hero-form-section{padding:2rem 1rem 2.5rem}
.hero-form-card{padding:1.25rem 1rem}
.hero-form-trust{gap:.75rem;font-size:.78rem}
}

/* Last Updated badge in hero */
.last-updated-badge{display:inline-flex;align-items:center;gap:.5rem;margin:1.25rem auto 0;padding:.4rem .9rem;background:rgba(255,255,255,0.85);border:1px solid var(--border);border-radius:var(--radius-full);font-size:.82rem;color:var(--text-secondary);box-shadow:0 2px 8px rgba(0,136,204,0.08);backdrop-filter:blur(4px)}
.last-updated-badge .lu-icon{display:inline-flex;align-items:center;justify-content:center;width:18px;height:18px;background:var(--primary);color:#FFF;border-radius:50%;font-size:.65rem;font-weight:700;flex-shrink:0}
.last-updated-badge strong{color:var(--text);font-weight:600}
.last-updated-badge .lu-sep{color:var(--text-muted);margin:0 .15rem}

/* Key Takeaways card */
.key-takeaways{padding:3rem 0}
.key-takeaways-card{max-width:860px;margin:0 auto;padding:0 1.5rem}
.key-takeaways-inner{background:linear-gradient(135deg,#FFF8EC 0%,#FFFCF4 100%);border:1px solid #F5CFA0;border-left:5px solid var(--secondary-dark);border-radius:14px;padding:1.75rem 2rem;box-shadow:0 4px 20px rgba(245,166,35,0.08)}
.key-takeaways-eyebrow{display:inline-block;background:var(--secondary-dark);color:#FFF;padding:.25rem .75rem;border-radius:var(--radius-full);font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;margin-bottom:.75rem}
.key-takeaways-inner h2{margin:0 0 1rem;font-size:1.4rem;color:var(--text)}
.key-takeaways-list{list-style:none;margin:0;padding:0}
.key-takeaways-list li{position:relative;padding:.55rem 0 .55rem 2rem;color:var(--text-secondary);font-size:.98rem;line-height:1.55;border-bottom:1px dashed rgba(214,142,18,0.25)}
.key-takeaways-list li:last-child{border-bottom:none}
.key-takeaways-list li::before{content:"";position:absolute;left:0;top:.95rem;width:16px;height:16px;background:var(--secondary-dark);border-radius:50%;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 8l3 3 5-6' stroke='white' stroke-width='2.2' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-size:16px;background-repeat:no-repeat}
.key-takeaways-list li strong{color:var(--text)}

/* Methodology / How We Reviewed */
.methodology{padding:3.5rem 0;background:var(--cream-dark)}
.methodology-wrap{max-width:900px;margin:0 auto;padding:0 1.5rem}
.methodology-header{text-align:center;margin-bottom:2rem}
.methodology-header .section-eyebrow{color:var(--primary)}
.methodology-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1.25rem}
.methodology-card{background:var(--surface);border:1px solid var(--border);border-radius:12px;padding:1.5rem;transition:all var(--transition)}
.methodology-card:hover{transform:translateY(-2px);box-shadow:var(--shadow-md);border-color:var(--primary-light)}
.methodology-icon{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;background:var(--primary-50);color:var(--primary);border-radius:10px;font-size:1.1rem;font-weight:700;margin-bottom:.75rem}
.methodology-card h3{font-size:1.05rem;margin:0 0 .5rem;color:var(--text)}
.methodology-card p{font-size:.92rem;color:var(--text-secondary);margin:0;line-height:1.55}
.methodology-footer{margin-top:1.75rem;padding:1rem 1.25rem;background:var(--primary-50);border-radius:10px;font-size:.9rem;color:var(--text-secondary);text-align:center}
.methodology-footer strong{color:var(--text)}
@media (max-width:600px){
.methodology-grid{grid-template-columns:1fr}
.key-takeaways-inner{padding:1.25rem 1rem}
.key-takeaways-list li{font-size:.94rem;padding:.5rem 0 .5rem 1.75rem}
}

.feature-icon svg{width:26px;height:26px}

/* Availability section */
.availability-section{padding:3.5rem 0}
.availability-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1.5rem;max-width:1050px;margin:0 auto 2rem}
.availability-card{background:var(--surface);border:1px solid var(--border);border-radius:14px;padding:1.75rem;text-align:center;transition:all var(--transition)}
.availability-card:hover{transform:translateY(-2px);box-shadow:var(--shadow-md);border-color:var(--primary-light)}
.availability-card-highlight{background:var(--primary-50);border-color:var(--primary-light)}
.availability-stat{font-family:var(--font-heading);font-size:3.5rem;font-weight:800;color:var(--primary);line-height:1;margin-bottom:.25rem}
.availability-stat-label{font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--text-secondary);margin-bottom:1rem}
.availability-states{list-style:none;margin:0 0 1rem;padding:0;display:flex;flex-direction:column;gap:.4rem;font-family:var(--font-heading);font-weight:700;color:var(--primary-dark);font-size:1.05rem}
.availability-states li{padding:.3rem 0;border-bottom:1px dashed var(--primary-light)}
.availability-states li:last-child{border-bottom:none}
.availability-card p{font-size:.9rem;color:var(--text-secondary);margin:0;line-height:1.55}
.availability-disclosure{max-width:900px;margin:0 auto;padding:1.1rem 1.4rem;background:#FDF4E6;border-left:4px solid #D97706;border-radius:0 10px 10px 0;font-size:.9rem;color:var(--text-secondary);line-height:1.55}
.availability-disclosure strong{color:var(--text)}

/* Mini calculator */
.mini-calc-section{padding:3.5rem 0}
.mini-calc{max-width:860px;margin:0 auto;background:var(--surface);border:1px solid var(--border);border-radius:18px;padding:2rem;box-shadow:0 8px 32px rgba(0,136,204,0.06)}
.mini-calc-inputs{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:1.5rem;margin-bottom:1.5rem;padding-bottom:1.5rem;border-bottom:1px solid var(--border)}
.mini-calc-field label{display:block;font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--text-secondary);margin-bottom:.6rem}
.mini-calc-slider-row{display:flex;flex-direction:column;gap:.6rem}
.mini-calc-slider{-webkit-appearance:none;width:100%;height:6px;background:var(--border);border-radius:999px;outline:none;cursor:pointer}
.mini-calc-slider::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;background:var(--primary);border-radius:50%;cursor:pointer;border:3px solid #FFF;box-shadow:0 2px 6px rgba(0,136,204,0.3)}
.mini-calc-slider::-moz-range-thumb{width:22px;height:22px;background:var(--primary);border-radius:50%;cursor:pointer;border:3px solid #FFF}
.mini-calc-amount{display:flex;align-items:baseline;font-family:var(--font-heading);font-weight:700;font-size:1.4rem;color:var(--primary);gap:.1rem}
.mini-calc-amount input{width:100%;max-width:100px;border:none;background:transparent;font-family:inherit;font-weight:inherit;font-size:inherit;color:inherit;padding:0;outline:none;-moz-appearance:textfield}
.mini-calc-amount input::-webkit-outer-spin-button,.mini-calc-amount input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.mini-down-group,.mini-term-group{display:flex;gap:.3rem;background:var(--cream-dark);padding:.3rem;border-radius:10px}
.mini-down-btn,.mini-term-btn{flex:1;background:transparent;border:none;padding:.6rem .3rem;border-radius:8px;font-family:var(--font-body);font-weight:600;font-size:.88rem;color:var(--text-secondary);cursor:pointer;transition:all var(--transition-fast)}
.mini-down-btn:hover,.mini-term-btn:hover{color:var(--primary)}
.mini-down-btn.active,.mini-term-btn.active{background:var(--primary);color:#FFF;box-shadow:0 2px 6px rgba(0,136,204,0.25)}
.mini-calc-output{display:flex;flex-direction:column;gap:.6rem;padding:1.25rem;background:linear-gradient(135deg,var(--primary-50) 0%,#F7FCFF 100%);border-radius:12px;margin-bottom:1.25rem}
.mini-calc-row{display:flex;justify-content:space-between;align-items:center;padding:.4rem 0;border-bottom:1px dashed rgba(0,136,204,0.15)}
.mini-calc-row:last-of-type{border-bottom:none}
.mini-calc-label{color:var(--text-secondary);font-size:.95rem}
.mini-calc-value{font-family:var(--font-heading);font-weight:700;color:var(--text);font-size:1.1rem}
.mini-calc-row-highlight{padding:.75rem 1rem;margin:.3rem -.5rem;background:var(--surface);border-radius:8px;border:2px solid var(--primary-light);border-bottom:2px solid var(--primary-light)}
.mini-calc-row-highlight .mini-calc-value{color:var(--primary);font-size:1.5rem}
.mini-calc-note{display:flex;align-items:center;gap:.5rem;padding-top:.75rem;margin-top:.25rem;border-top:1px solid rgba(0,136,204,0.15);font-size:.85rem;color:var(--text-muted)}
.mini-calc-check{display:inline-flex;align-items:center;justify-content:center;width:18px;height:18px;background:var(--primary);color:#FFF;border-radius:50%;font-size:.7rem;font-weight:700;flex-shrink:0}
.mini-calc-cta-row{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap}

@media (max-width:700px){
.mini-calc{padding:1.25rem}
.mini-calc-inputs{grid-template-columns:1fr;gap:1.25rem;padding-bottom:1.25rem;margin-bottom:1.25rem}
.availability-stat{font-size:2.5rem}
.availability-states{font-size:.95rem}
}


/* ============================================================
   BACK TO TOP BUTTON
   ============================================================ */
.back-to-top{
  position:fixed;
  right:1.5rem;
  bottom:1.5rem;
  z-index:40;
  display:inline-flex;
  align-items:center;
  gap:.5rem;
  padding:.75rem 1.1rem .75rem .9rem;
  background:var(--primary);
  color:#FFF;
  border:none;
  border-radius:999px;
  font-family:var(--font-body);
  font-weight:600;
  font-size:.9rem;
  cursor:pointer;
  box-shadow:0 6px 20px rgba(0,136,204,0.35);
  opacity:0;
  visibility:hidden;
  transform:translateY(12px);
  transition:opacity 220ms ease,visibility 220ms ease,transform 220ms ease,background 150ms ease;
  text-decoration:none;
}
.back-to-top.visible{opacity:1;visibility:visible;transform:translateY(0)}
.back-to-top:hover{background:var(--primary-dark);transform:translateY(-2px);box-shadow:0 10px 24px rgba(0,136,204,0.42)}
.back-to-top:focus-visible{outline:3px solid var(--accent);outline-offset:3px}
.back-to-top svg{width:16px;height:16px;flex-shrink:0}
.back-to-top .btt-label{display:inline}

/* ============================================================
   PREVENT HORIZONTAL OVERFLOW
   ============================================================ */
html,body{overflow-x:hidden;max-width:100%}
img,svg,video,iframe,table{max-width:100%}



/* Comparison table: horizontal scroll on mobile instead of breaking layout */
.comparison-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:1.5rem -1.5rem;padding:0 1.5rem}

/* ============================================================
   TABLET & MOBILE RESPONSIVE IMPROVEMENTS
   ============================================================ */

/* Tablet (max 900px) — most grids go 2-column */
@media (max-width:900px){
  /* Hamburger dropdown — stays inside header via position:relative on .site-header */
  .main-nav{
    top:100%;
    left:0;
    right:0;
    width:100%;
    max-height:calc(100vh - 70px);
    overflow-y:auto;
    z-index:50;
  }
  .nav-cta{text-align:center}

  /* Grids go 2-column */
  .editorial-team-grid{grid-template-columns:1fr}
  .methodology-grid{grid-template-columns:repeat(2,1fr)}
  .availability-grid{grid-template-columns:repeat(2,1fr)}
  .review-themes-grid{grid-template-columns:1fr 1fr}

  /* Hero padding */
  .hero{padding:3rem 0 3.5rem}

  /* Mini-calc on tablet */
  .mini-calc-inputs{grid-template-columns:1fr 1fr}
  .mini-calc-field:first-child{grid-column:1/-1}
}

/* Mobile (max 600px) — most grids go 1-column */
@media (max-width:600px){
  .site-header{box-shadow:0 2px 10px rgba(0,0,0,0.05)}
  .header-inner{padding:.75rem 1rem}
  .logo-main{font-size:1.3rem}
  .logo-subtitle{font-size:.6rem}

  /* Mobile menu dropdown */
  .main-nav{padding:1rem}
  .main-nav a{padding:.9rem 0;font-size:1rem;min-height:44px;display:flex;align-items:center}
  .nav-cta{padding:.9rem 1.2rem!important;min-height:48px;justify-content:center}

  /* Hero — tighter padding, smaller text */
  .hero{padding:2rem 0 2.5rem}
  .hero h1{font-size:1.75rem;line-height:1.25}
  .hero-subtitle{font-size:1rem;line-height:1.55}
  .hero-cta-group{flex-direction:column;gap:.75rem;align-items:stretch}
  .hero-cta-group .btn{width:100%;text-align:center;min-height:48px;display:inline-flex;align-items:center;justify-content:center}
  .last-updated-badge{font-size:.75rem;padding:.4rem .8rem;flex-wrap:wrap;justify-content:center;text-align:center;line-height:1.4}
  .last-updated-badge .lu-sep{display:none}

  /* Form section */
  .hero-form-section{padding:1.75rem 1rem 2.25rem}
  .hero-form-card{padding:1rem}
  .hero-form-trust{flex-direction:column;gap:.5rem;align-items:center;font-size:.75rem}

  /* Trust bar */
  .trust-items{gap:1rem;justify-content:space-around}
  .trust-item{flex:1;min-width:80px}
  .trust-number{font-size:1.4rem}
  .trust-label{font-size:.75rem}

  /* Key Takeaways */
  .key-takeaways{padding:2rem 0}
  .key-takeaways-inner h2{font-size:1.2rem}
  .key-takeaways-list li{font-size:.92rem;padding:.5rem 0 .5rem 1.75rem}
  .key-takeaways-list li::before{top:.85rem;width:14px;height:14px;background-size:14px}

  /* Features */
  .features-grid{gap:1rem}
  .feature-card{padding:1.25rem}
  .feature-card h3{font-size:1.1rem}

  /* Comparison table — numeric columns smaller */
  .comparison-table th,.comparison-table td{padding:.6rem .5rem;font-size:.82rem}

  /* Pros/Cons */
  .pros-cons{gap:1rem}
  .pros,.cons{padding:1.25rem}

  /* Methodology & Availability go 1-column */
  .methodology,.availability-section{padding:2.5rem 0}
  .methodology-grid,.availability-grid{grid-template-columns:1fr;gap:1rem}
  .methodology-card{padding:1.25rem}
  .availability-stat{font-size:2.5rem}

  /* Mini-calc on mobile */
  .mini-calc-section{padding:2.5rem 0}
  .mini-calc-inputs{grid-template-columns:1fr;gap:1rem}
  .mini-calc-field:first-child{grid-column:auto}
  .mini-calc-amount{font-size:1.2rem}
  .mini-calc-row-highlight .mini-calc-value{font-size:1.3rem}
  .mini-calc-cta-row{flex-direction:column;gap:.75rem}
  .mini-calc-cta-row .btn{width:100%;text-align:center;min-height:48px;display:inline-flex;align-items:center;justify-content:center}

  /* Editorial team */
  .editorial-team{padding:2.5rem 0}
  .editorial-team-grid{padding:0 1rem;gap:1.5rem}

  /* Review themes 1-column */
  .review-themes-grid{grid-template-columns:1fr;gap:1rem}
  .review-aggregate{padding:1.25rem}

  /* FAQ touch targets */
  .faq-question{padding:1.1rem 1rem;font-size:1rem;min-height:56px}
  .faq-answer{padding:0 1rem}
  .faq-item.open .faq-answer{padding:0 1rem 1.25rem}

  /* CTA band */
  .cta-band{padding:2rem 1rem;margin:2rem auto;border-radius:16px}
  .cta-band h2{font-size:1.4rem}
  .cta-band p{font-size:1rem}

  /* Footer */
  .site-footer{padding:2.5rem 0 1rem}
  .footer-grid{gap:1.5rem;padding:0 1rem}
  .footer-brand-main{font-size:1.4rem}
  .footer-disclosure{padding:1rem;font-size:.78rem;margin:0 1rem 1rem}
  .footer-bottom{padding:1rem;font-size:.8rem}

  /* Related guides */
  .related-grid{gap:1rem}
  .related-card{padding:1.25rem}

  /* Buttons overall min height for touch */
  .btn{min-height:46px;display:inline-flex;align-items:center;justify-content:center;padding:.75rem 1.4rem}

  /* Back to Top — icon only on narrow mobile */
  .back-to-top{
    right:1rem;
    bottom:1rem;
    padding:.75rem;
    width:48px;
    height:48px;
    justify-content:center;
  }
  .back-to-top .btt-label{display:none}
  .back-to-top svg{width:20px;height:20px}
}

/* Very small phones (<380px) */
@media (max-width:380px){
  body{font-size:15px}
  .hero h1{font-size:1.55rem}
  .trust-items{gap:.5rem}
  .trust-number{font-size:1.2rem}
  .trust-label{font-size:.7rem}
}

/* Large screens — Laptop & Desktop refinements */
@media (min-width:1200px){
  .hero h1{letter-spacing:-0.025em}
  .section{padding:4rem 0}
}

/* Prefer reduced motion */
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{transition-duration:0.01ms!important;animation-duration:0.01ms!important;animation-iteration-count:1!important;scroll-behavior:auto!important}
  html{scroll-behavior:auto}
  .back-to-top{transition:opacity 1ms,visibility 1ms}
}


/* ============================================================
   DESIGN 1: QUICK ANSWER BOX
   ============================================================ */
.quick-answer-wrap{margin:1.5rem 0 2.5rem}
.quick-answer{background:linear-gradient(135deg,#E6F3FA 0%,#F0F8FC 100%);border-left:4px solid #0088CC;border-radius:0 12px 12px 0;padding:1.75rem 2rem;box-shadow:0 2px 10px rgba(0,136,204,0.07)}
.qa-eyebrow{display:inline-block;background:#0088CC;color:#FFF;font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:.3rem .8rem;border-radius:999px;margin-bottom:1rem;font-family:var(--font-body)}
.qa-answer{font-size:1.15rem;font-weight:500;color:#0D2436;margin:0 0 1.25rem;line-height:1.55;font-family:var(--font-heading)}
.qa-facts{list-style:none;padding:0;margin:0 0 1.25rem}
.qa-facts li{padding:.4rem 0 .4rem 1.9rem;position:relative;color:#0D2436;font-size:.98rem;line-height:1.5}
.qa-facts li::before{content:'';position:absolute;left:0;top:.65rem;width:16px;height:16px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='%230088CC'%3E%3Cpath fill-rule='evenodd' d='M10 18a8 8 0 100-16 8 8 0 000 16zm3.707-9.293a1 1 0 00-1.414-1.414L9 10.586 7.707 9.293a1 1 0 00-1.414 1.414l2 2a1 1 0 001.414 0l4-4z' clip-rule='evenodd'/%3E%3C/svg%3E") no-repeat;background-size:contain}
.qa-verdict{padding-top:1rem;border-top:1px dashed #B8D4E3;font-size:.95rem;color:#0D2436;line-height:1.6}
.qa-verdict p{margin:.4rem 0}
.qa-verdict strong{color:#006699;font-weight:600}
@media (max-width:600px){
  .quick-answer{padding:1.25rem 1.1rem}
  .qa-answer{font-size:1rem}
  .qa-facts li{font-size:.92rem;padding-left:1.75rem}
  .qa-eyebrow{font-size:.65rem}
}

/* ============================================================
   DESIGN 4: E-E-A-T TRUST STATS
   ============================================================ */
.trust-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;max-width:900px;margin:0 auto 3rem;padding:0 1.5rem}
.trust-stat{text-align:center;padding:1.5rem 1rem;background:#FFF;border:1px solid #D7E7F0;border-radius:12px;transition:border-color 150ms ease,transform 150ms ease}
.trust-stat:hover{border-color:#0088CC;transform:translateY(-2px)}
.trust-stat-icon{display:inline-flex;width:44px;height:44px;background:#E6F3FA;color:#0088CC;border-radius:50%;align-items:center;justify-content:center;margin-bottom:.6rem}
.trust-stat-icon svg{width:22px;height:22px}
.trust-stat-num{font-family:var(--font-heading);font-size:1.75rem;font-weight:700;color:#0088CC;line-height:1.1;margin:.3rem 0 .25rem}
.trust-stat-label{font-size:.82rem;color:#4A5A6B;line-height:1.35}
@media (max-width:700px){
  .trust-stats{grid-template-columns:repeat(2,1fr);gap:.75rem;margin-bottom:2rem}
  .trust-stat{padding:1.25rem .75rem}
  .trust-stat-num{font-size:1.5rem}
  .trust-stat-icon{width:38px;height:38px}
}