:root{--bg:#f7f8fa;--ink:#111827;--muted:#667085;--line:#e5e7eb;--white:#fff;--dark:#111827;--soft:#eef2f6;--accent:#d8000c;--accent-soft:#fdeceb;--good:#0f7a4a;--good-soft:#e8f6ef;--max:1120px;--radius:16px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:inherit}
img{max-width:100%;display:block}
.container{width:min(var(--max),calc(100% - 36px));margin:auto}

/* Header / nav */
header{position:sticky;top:0;z-index:30;background:#fffffff2;-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{height:68px;display:flex;align-items:center;justify-content:space-between;position:relative}
.brand{text-decoration:none;font-weight:850;font-size:16px;display:flex;align-items:center;gap:8px}
.nav-desktop{display:flex;gap:22px;align-items:center}
.nav-desktop a{text-decoration:none;color:var(--muted);font-size:14px;font-weight:600;transition:color .15s}
.nav-desktop a:hover{color:var(--ink)}
.nav-desktop a.current{color:var(--ink)}
.nav-cta{background:var(--dark);color:#fff!important;padding:9px 15px;border-radius:9px;font-weight:800!important}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:9px;width:40px;height:40px;cursor:pointer;align-items:center;justify-content:center}
.menu-btn span,.menu-btn span::before,.menu-btn span::after{content:"";display:block;width:18px;height:2px;background:var(--ink);position:relative;transition:.2s}
.menu-btn span::before{position:absolute;top:-6px}
.menu-btn span::after{position:absolute;top:6px}
.mobile-panel{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 20px 40px #10182814;padding:8px 0}
.mobile-panel a{display:block;padding:13px 0;text-decoration:none;color:var(--ink);font-weight:700;border-bottom:1px solid var(--line)}
.mobile-panel a:last-child{border-bottom:0}
body.menu-open .mobile-panel{display:block}
body.menu-open .menu-btn span{background:transparent}
body.menu-open .menu-btn span::before{transform:rotate(45deg);top:0}
body.menu-open .menu-btn span::after{transform:rotate(-45deg);top:0}

/* Trust bar */
.trust-bar{background:var(--dark);color:#cbd2dd;font-size:12.5px;font-weight:600;letter-spacing:.01em}
.trust-bar .container{display:flex;gap:22px;padding:9px 0;flex-wrap:wrap;justify-content:center}
.trust-bar span{display:flex;align-items:center;gap:6px}

/* Hero */
.hero{background:var(--white);padding:80px 0 64px}
.hero-grid{display:grid;grid-template-columns:1.4fr .8fr;gap:55px;align-items:center}
.eyebrow{font-size:11px;letter-spacing:.14em;font-weight:850;color:var(--muted);margin-bottom:10px;text-transform:uppercase}
.eyebrow.accent{color:var(--accent)}
h1{font-size:clamp(38px,5.4vw,64px);line-height:1.05;letter-spacing:-.04em;margin:0 0 20px}
h2{font-size:32px;line-height:1.18;letter-spacing:-.02em;margin:0 0 12px}
h3{font-size:19px;margin:10px 0 5px}
.lead{font-size:19px;color:var(--muted);max-width:680px}
.actions{display:flex;gap:10px;margin-top:28px;flex-wrap:wrap}
.btn{border:0;border-radius:10px;padding:12px 18px;font-weight:800;text-decoration:none;display:inline-flex;justify-content:center;align-items:center;gap:6px;cursor:pointer;font-size:15px}
.dark{background:var(--dark);color:#fff}
.dark:hover{background:#000}
.light{background:var(--soft);color:var(--ink)}
.accent-btn{background:var(--accent);color:#fff}
.hero-card{background:linear-gradient(145deg,#fff,#f0f2f5);border:1px solid var(--line);border-radius:22px;padding:28px;box-shadow:0 18px 45px #10182812}
.hero-card span{font-size:11px;font-weight:850;color:var(--muted);letter-spacing:.08em}
.hero-card a{font-weight:800;text-decoration:none;color:var(--accent)}

.section{padding:72px 0}
.section-title{display:flex;justify-content:space-between;gap:25px;align-items:end;margin-bottom:28px}
.section-title>p{color:var(--muted);max-width:390px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}
.card{display:block;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:17px;padding:23px;min-height:195px;transition:transform .15s,box-shadow .15s;position:relative}
.card:hover{transform:translateY(-3px);box-shadow:0 14px 30px #10182814}
.card b{font-size:25px}
.card p{color:var(--muted);margin:0 0 16px}
.card span{font-weight:800;color:var(--accent)}
.badge{position:absolute;top:16px;right:16px;background:var(--good-soft);color:var(--good);font-size:10.5px;font-weight:850;padding:4px 8px;border-radius:6px;letter-spacing:.03em}

.dark-section{background:#111827;color:#fff}
.dark-section .eyebrow,.dark-section p{color:#c8ced8}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.calc{background:#fff;color:#111827;border-radius:18px;padding:25px}
.calc label{display:block;font-size:13px;font-weight:800;margin:10px 0 5px}
.calc input,.calc select{width:100%;padding:12px;border:1px solid #d0d5dd;border-radius:9px;font-size:16px;font-family:inherit;background:#fff}
.calc .btn{margin-top:17px;width:100%}
.result{margin-top:16px;padding:15px;background:#f2f4f7;border-radius:9px;font-weight:800}
.result .row{display:flex;justify-content:space-between;font-size:14px;font-weight:700;padding:4px 0;color:var(--muted)}
.result .row b{color:var(--ink);font-weight:800}
.result .total{font-size:19px;margin-top:8px;padding-top:8px;border-top:1px dashed #cbd2dd;color:var(--ink)}
.calc-note{font-size:12px;color:var(--muted);margin-top:10px}

.monetize{display:grid;grid-template-columns:1fr .5fr;gap:40px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px}
.monetize p,.narrow p{color:var(--muted)}
.partner-box{border:1px dashed #98a2b3;border-radius:14px;padding:28px;text-align:center;color:var(--muted)}
.partner-box small{font-size:12px}
.narrow{max-width:800px}

/* Article */
.article{padding:60px 0}
.article-layout{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:50px}
.article h1{font-size:clamp(34px,4.6vw,52px)}
.article h2{font-size:26px;margin-top:40px}
.article h3{font-size:18px;margin-top:24px}
.article p,.article li{font-size:16.5px}
.article ul,.article ol{padding-left:22px}
.article .meta{color:var(--muted);font-size:14px;display:flex;gap:10px;align-items:center;flex-wrap:wrap}
.meta .dot{width:3px;height:3px;border-radius:50%;background:var(--muted)}
.toc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin:24px 0;font-size:14px}
.toc b{display:block;margin-bottom:8px;font-size:13px}
.toc ol{margin:0;padding-left:18px}
.toc a{text-decoration:none;color:var(--muted)}
.toc a:hover{color:var(--accent)}
.source{font-size:13px;color:var(--muted);border-left:3px solid var(--accent);padding-left:15px;margin:25px 0}
.source b{color:var(--ink)}
.sources-list{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 22px;margin:28px 0;font-size:14px}
.sources-list b{display:block;margin-bottom:10px;font-size:13px;letter-spacing:.04em;text-transform:uppercase;color:var(--muted)}
.sources-list li{margin:6px 0}
.sources-list a{color:var(--accent);text-decoration:none;font-weight:600}
.sources-list a:hover{text-decoration:underline}
.faq{margin:28px 0}
.faq-item{border:1px solid var(--line);border-radius:12px;margin-bottom:10px;background:#fff;overflow:hidden}
.faq-item summary{padding:16px 18px;cursor:pointer;font-weight:750;list-style:none;display:flex;justify-content:space-between;gap:10px;align-items:center}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";font-size:20px;color:var(--muted);flex:none}
.faq-item[open] summary::after{content:"–"}
.faq-item p{padding:0 18px 16px;margin:0;color:var(--muted)}
.aside{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px;height:max-content;position:sticky;top:90px;max-height:calc(100vh - 110px);overflow-y:auto}
.aside b{font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.aside b.cat{display:block;margin:16px 0 4px;font-size:10.5px}
.aside b.cat:first-child{margin-top:0}
.aside a{display:block;text-decoration:none;padding:7px 0;color:var(--muted);font-size:14px;border-bottom:1px solid var(--line)}
.aside a:last-of-type{border-bottom:0}
.aside a.current{color:var(--accent);font-weight:700}
.ad-slot{border:1px dashed #cbd5e1;color:#94a3b8;text-align:center;padding:16px;margin:28px 0;font-size:12px;border-radius:10px}
.disclosure{background:#fff7ed;border:1px solid #fed7aa;border-radius:12px;padding:15px;font-size:14px}
.callout{background:var(--accent-soft);border:1px solid #f7c9c6;border-radius:12px;padding:16px 18px;font-size:14.5px;margin:22px 0}
.callout b{color:var(--accent)}

.email-capture{background:#111827;color:#fff;border-radius:20px;padding:34px 32px;display:grid;grid-template-columns:1.2fr 1fr;gap:30px;align-items:center}
.email-capture .eyebrow{color:#c8ced8}
.email-capture h2{color:#fff}
.email-capture p{color:#c8ced8;margin:0}
.email-capture form{display:flex;gap:8px;flex-wrap:wrap}
.email-capture input[type=email]{flex:1;min-width:180px;padding:13px 14px;border-radius:9px;border:1px solid #333c4a;background:#1b2333;color:#fff;font-size:15px}
.email-capture input[type=email]::placeholder{color:#8791a3}
.email-capture button{white-space:nowrap}
.email-capture small{display:block;margin-top:10px;color:#8791a3;font-size:12px}
.email-capture-inline{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px;margin:32px 0}
.email-capture-inline h3{margin-top:0}
.email-capture-inline form{display:flex;gap:8px;flex-wrap:wrap;margin-top:14px}
.email-capture-inline input[type=email]{flex:1;min-width:180px;padding:12px 14px;border-radius:9px;border:1px solid #d0d5dd;font-size:15px}
.email-capture-inline small{display:block;margin-top:8px;color:var(--muted);font-size:12px}
.form-msg{font-size:13px;margin-top:8px;font-weight:700}
.form-msg.ok{color:var(--good)}
.form-msg.err{color:var(--accent)}

.affiliate-cta{background:#fff;border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:12px;padding:18px 20px;margin:26px 0;display:flex;gap:14px;align-items:flex-start}
.affiliate-cta b{display:block;font-size:15px;margin-bottom:3px}
.affiliate-cta p{margin:0;color:var(--muted);font-size:14px}
.affiliate-cta .tag{flex:none;background:var(--accent-soft);color:var(--accent);font-size:10.5px;font-weight:850;padding:4px 8px;border-radius:6px;letter-spacing:.03em;margin-top:2px}
.affiliate-cta.inactive{border-left-color:#98a2b3}
.affiliate-cta.inactive .tag{background:#f2f4f7;color:var(--muted)}

table.data{width:100%;border-collapse:collapse;font-size:14px;margin:16px 0}
table.data th,table.data td{text-align:left;padding:9px 10px;border-bottom:1px solid var(--line)}
table.data th{font-size:11.5px;text-transform:uppercase;letter-spacing:.04em;color:var(--muted)}
table.data tr:hover td{background:#f9fafb}
.table-wrap{overflow-x:auto}

.legal{padding:60px 0}
.legal h2{font-size:22px;margin-top:30px}
.author-box{display:flex;gap:14px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px;margin:26px 0}
.author-box .avatar{width:44px;height:44px;border-radius:50%;background:var(--dark);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;flex:none}
.author-box small{color:var(--muted)}

.footer{display:flex;justify-content:space-between;gap:25px;padding:40px 0;color:var(--muted);flex-wrap:wrap}
footer{background:#fff;border-top:1px solid var(--line)}
.footer-links{display:flex;gap:16px;flex-wrap:wrap}
footer a{text-decoration:none}
.footer-links a:hover{color:var(--ink)}
.footer small{display:block;margin-top:6px;font-size:12px}

@media(max-width:800px){
.nav-desktop{display:none}
.menu-btn{display:flex}
.hero{padding:52px 0 44px}
.hero-grid,.calc-grid,.monetize,.article-layout{grid-template-columns:1fr;gap:26px}
.cards{grid-template-columns:1fr 1fr}
.section{padding:52px 0}
.section-title{display:block}
.aside{position:static}
.footer{display:block}
.footer>div+div{margin-top:15px}
.trust-bar .container{gap:12px}
}
@media(max-width:520px){
.container{width:calc(100% - 28px)}
.cards{grid-template-columns:1fr}
.footer-links{gap:12px 14px}
}