:root{--ink:#10233b;--muted:#53667a;--line:#dae4e8;--paper:#f6f9fa;--white:#fff;--teal:#06766f;--teal-dark:#07524f;--lime:#d9f4d3;--warm:#ffd9a8;--shadow:0 15px 40px #0e304012}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);line-height:1.7}a{color:var(--teal-dark);text-underline-offset:3px}a:hover{color:#0f958a}a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid #faab46;outline-offset:3px}.skip{position:absolute;top:-200px;left:10px;background:white;padding:8px;z-index:100}.skip:focus{top:8px}.header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.header-inner{max-width:1160px;margin:auto;padding:14px 24px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink);font-weight:850;letter-spacing:-.03em;font-size:1.16rem;line-height:1.15}.logo{height:37px;width:37px;border-radius:11px;background:var(--teal);color:white;display:grid;place-items:center;font-size:1.32rem;font-weight:800}.nav{display:flex;align-items:center;gap:22px;flex-wrap:wrap;font-weight:650;font-size:.91rem}.nav a{color:var(--ink);text-decoration:none}.nav a:hover{color:var(--teal)}.nav .nav-cta{color:white;background:var(--teal);padding:9px 15px;border-radius:10px}.wrap{max-width:1160px;margin:0 auto;padding:0 24px}.hero{background:linear-gradient(128deg,#112942,#163c4c 56%,#105a56);color:#fff;overflow:hidden}.hero-inner{max-width:1160px;margin:0 auto;padding:82px 24px 72px;display:grid;grid-template-columns:1.45fr .8fr;gap:65px;align-items:center}.eyebrow{font-size:.79rem;text-transform:uppercase;letter-spacing:.14em;font-weight:850;color:#6cdac7}.hero h1{font-size:clamp(2.5rem,5vw,4.45rem);line-height:1.09;letter-spacing:-.05em;margin:10px 0 23px;max-width:790px}.hero p{font-size:1.2rem;color:#dce8e9;max-width:690px;line-height:1.65}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 19px;background:var(--teal);color:white;text-decoration:none;border-radius:12px;font-weight:800;line-height:1.4;border:0}.btn:hover{background:var(--teal-dark);color:white}.btn-light{background:var(--warm);color:#18323f}.btn-light:hover{background:#ffca83;color:#18323f}.hero-visual{background:#ffffff12;border:1px solid #ffffff35;border-radius:24px;padding:28px;box-shadow:0 20px 60px #0002;transform:rotate(2deg)}.hero-visual .visual-head{font-weight:800;letter-spacing:.06em;text-transform:uppercase;font-size:.73rem;color:#b9f9d8}.hero-visual strong{display:block;font-size:2.1rem;line-height:1.2;margin:20px 0}.hero-visual .visual-step{padding:10px 0;border-top:1px solid #ffffff2c;color:#eaf7f5}.hero-visual .visual-step b{color:var(--warm);margin-right:9px}.home-section{padding:64px 0}.section-kicker{font-size:.8rem;text-transform:uppercase;letter-spacing:.13em;color:var(--teal);font-weight:850}.home-section h2{font-size:clamp(1.7rem,3vw,2.5rem);letter-spacing:-.04em;line-height:1.2;margin:8px 0}.section-intro{color:var(--muted);max-width:760px}.quick-grid,.resource-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:28px 0}.quick,.resource{background:var(--white);border:1px solid var(--line);border-radius:16px;padding:23px;text-decoration:none;color:var(--ink);display:flex;flex-direction:column;gap:8px;box-shadow:var(--shadow)}.quick:hover,.resource:hover{border-color:var(--teal);color:var(--ink);transform:translateY(-2px)}.quick span,.resource span{color:var(--teal);font-size:.73rem;letter-spacing:.07em;text-transform:uppercase;font-weight:800}.quick strong,.resource strong{font-size:1.1rem;line-height:1.35}.quick small,.resource small{color:var(--muted);font-size:.87rem}.page-head{padding:55px 0 46px;background:#eaf5f3}.crumbs{font-size:.79rem;color:#476477;margin-bottom:18px}.crumbs a{color:#38566a}.page-head .label{font-size:.78rem;text-transform:uppercase;letter-spacing:.13em;color:var(--teal-dark);font-weight:800}.page-head h1{font-size:clamp(2.1rem,4vw,3.5rem);max-width:950px;letter-spacing:-.045em;line-height:1.15;margin:13px 0}.page-head p{font-size:1.15rem;max-width:790px;color:#425c64}.page-layout{display:grid;grid-template-columns:minmax(0,750px) 290px;gap:66px;align-items:start;padding:50px 0 76px}.article{font-size:1.035rem;min-width:0}.article>p:first-child{font-size:1.12rem}.article h2{font-size:1.64rem;letter-spacing:-.035em;line-height:1.25;margin:42px 0 14px}.article h3{font-size:1.25rem;line-height:1.35;margin-top:30px}.article li{margin-bottom:8px}.article ul,.article ol{padding-left:24px}.article table{border-collapse:collapse;width:100%;font-size:.93rem;margin:26px 0;background:#fff}.article th,.article td{padding:13px;text-align:left;border:1px solid var(--line);vertical-align:top}.article th{background:#e7f3f1}.article .callout,.merchant-cta{border:1px solid #b8d9d0;background:#e5f4eb;border-radius:18px;padding:24px;margin:33px 0}.callout p:last-child{margin-bottom:0}.merchant-cta{background:var(--ink);color:white;border:0}.merchant-cta h2{color:white;margin:0 0 10px}.merchant-cta p{color:#e0edf0}.merchant-cta .fineprint{font-size:.8rem;color:#ccdde0}.merchant-cta .btn{background:var(--warm);color:var(--ink)}.merchant-cta .btn:hover{background:#fff}.side{position:sticky;top:110px}.sidebox{background:#fff;border:1px solid var(--line);border-radius:17px;padding:22px;margin-bottom:15px}.sidebox h2{margin:0 0 12px;font-size:1rem}.sidebox a{display:block;text-decoration:none;padding:8px 0;font-size:.92rem;border-bottom:1px solid #ecf0f2}.sidebox a:last-child{border-bottom:0}.sidebox p{font-size:.83rem;color:var(--muted);margin:0}.next{border-top:1px solid var(--line);margin-top:40px;padding-top:22px}.next h2{font-size:1.25rem;margin:0 0 10px}.next a{display:block;padding:6px 0}.formula{display:grid;grid-template-columns:1fr 1fr;gap:11px;background:white;border:1px solid var(--line);padding:20px;border-radius:15px}.formula strong{font-size:.94rem}.checklist{list-style:"✓  ";padding-left:23px}.checklist li::marker{color:var(--teal)}.calculator{border:1px solid var(--line);border-radius:22px;background:white;padding:24px;box-shadow:var(--shadow)}.calc-inputs{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.calc-inputs label{font-size:.88rem;font-weight:800}.calc-inputs input{display:block;width:100%;margin-top:7px;padding:12px;border:1px solid #9cbbbf;border-radius:9px;font-size:1rem;color:var(--ink)}.calc-results{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:24px 0}.calc-results div{background:#eff8f5;border-radius:12px;padding:16px}.calc-results small{display:block;font-size:.79rem;color:#496068}.calc-results strong{font-size:1.45rem;display:block;line-height:1.3;margin-top:6px;overflow-wrap:anywhere}.fineprint{font-size:.82rem;color:var(--muted)}.footer{background:var(--ink);color:#d6e5e8;padding:47px 0 20px}.footer a{color:#e7f8f2}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:35px}.footer h2{font-size:1.03rem;color:#fff}.footer p{font-size:.91rem;max-width:420px}.footer ul{list-style:none;margin:0;padding:0}.footer li{margin:8px 0}.footer-bottom{margin-top:32px;padding-top:16px;border-top:1px solid #ffffff30;font-size:.81rem}.preview-banner{background:#fff0d6;border-bottom:1px solid #eacb93;padding:8px 20px;text-align:center;color:#5c400f;font-size:.8rem;font-weight:700}.updated{font-size:.79rem;color:var(--muted);margin:22px 0}.resource-grid .resource{min-height:142px}@media(max-width:920px){.hero-inner{grid-template-columns:1fr}.hero-visual{max-width:450px}.page-layout{grid-template-columns:1fr}.side{position:static;display:grid;grid-template-columns:1fr 1fr;gap:14px}.nav{gap:12px}}@media(max-width:660px){.header-inner{flex-wrap:wrap;padding:13px 17px}.nav{width:100%;overflow-x:auto;flex-wrap:nowrap;white-space:nowrap;gap:18px}.nav .nav-cta{padding:7px 12px}.wrap{padding:0 18px}.hero-inner{padding:48px 18px;gap:23px}.hero-visual{display:none}.hero p{font-size:1.03rem}.quick-grid,.resource-grid,.footer-grid,.calc-inputs,.calc-results,.side{grid-template-columns:1fr}.home-section{padding:38px 0}.page-head{padding:34px 0}.page-layout{padding:30px 0}.article{font-size:1rem}.article table{display:block;overflow-x:auto;white-space:normal}.formula{grid-template-columns:1fr}.footer{padding:32px 0 20px}}
\n.logo{font-size:.85rem;letter-spacing:-.04em}\n
/* Final publication layout: the navigation stays available, the article sidebar scrolls normally. */
.header-inner{gap:22px}
.header-cta{flex-shrink:0;font-size:.9rem;padding:10px 15px;min-height:44px;white-space:nowrap}
.header-cta:hover{color:#fff}
.nav{gap:clamp(11px,1.4vw,22px);flex-wrap:nowrap}
.nav a{white-space:nowrap}
.brand{flex-shrink:0}
.side{position:static;top:auto}
.sidebox .btn{display:inline-flex;border:0;text-decoration:none;padding:12px 16px;min-height:44px;align-items:center;justify-content:center;color:#fff}
.sidebar-picks{border-color:#a9d4c9;background:linear-gradient(148deg,#fff,#eaf7f1)}
.sidebar-picks h2{font-size:1.28rem;line-height:1.3;margin:8px 0}
.sidebar-picks .section-kicker{font-size:.68rem}
.sidebar-picks p{line-height:1.6;margin:0 0 13px;font-size:.89rem}
.sidebar-picks .sidebar-btn{width:100%;margin:7px 0}
.sidebar-picks .sidebar-disclosure{font-size:.77rem;color:#4e6067;line-height:1.45;margin-top:12px}
.sidebar-picks .sidebar-disclosure a{display:inline;border:0;text-decoration:underline;padding:0;font-size:inherit}
.btn-outline-light{background:transparent;color:#fff;border:1px solid #ffffffa8}
.btn-outline-light:hover{background:#ffffff23;color:#fff}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.article dl{margin:18px 0 24px}
.article dt{margin-top:15px}
.article dd{margin:3px 0 0 0;color:var(--muted)}
.article .btn{min-height:44px}
.article .merchant-cta .fineprint a{color:#eaf7f1}
.footer-bottom a{color:#d7f5ef}
@media (max-width:1040px){
 .header-inner{gap:15px}
 .nav{gap:12px;font-size:.83rem}
 .brand{font-size:1rem}
 .header-cta{padding:10px 11px;font-size:.82rem}
 .page-layout{gap:32px;grid-template-columns:minmax(0,1fr) 260px}
}
@media (max-width:850px){
 .header-inner{display:grid;grid-template-columns:minmax(0,1fr) auto;row-gap:10px}
 .brand{grid-column:1;grid-row:1}
 .header-cta{grid-column:2;grid-row:1}
 .nav{grid-column:1/-1;grid-row:2;overflow-x:auto;max-width:100%;padding-bottom:3px;gap:20px}
 .page-layout{grid-template-columns:1fr}
 .side{position:static;display:grid;grid-template-columns:1fr 1fr;gap:14px}
 .sidebar-picks{grid-row:1}
}
@media (max-width:660px){
 .header-inner{display:grid;grid-template-columns:minmax(0,1fr) auto;padding:9px 16px;gap:9px}
 .brand{font-size:.94rem}
 .brand .logo{height:34px;width:34px;font-size:.83rem}
 .header-cta{font-size:.76rem;padding:8px 10px;min-height:42px;white-space:normal;text-align:center;max-width:144px}
 .nav{width:100%;gap:19px;white-space:nowrap;overflow-x:auto;flex-wrap:nowrap;font-size:.86rem}
 .hero-actions .btn{width:100%}
 .side{grid-template-columns:1fr}
 .article .merchant-cta{padding:18px}
 .article .merchant-cta .btn{width:100%;text-align:center;white-space:normal}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.quick:hover,.resource:hover{transform:none}}

/* Editorial tools and responsive accessibility */
.article .example{padding:20px 23px;margin:25px 0;background:#f1f8f4;border:1px solid #badbd1;border-left:5px solid var(--teal);border-radius:12px}
.article .example p{margin:8px 0}
.article .example small{font-size:.83rem;color:var(--muted)}
.article table{display:block;max-width:100%;overflow-x:auto}
.editorial-home{max-width:1100px}
.editorial-home h2{margin-top:46px}
.editorial-home p{max-width:850px}
.article a:focus-visible,.side a:focus-visible{outline-offset:4px}
@media (max-width:660px){.article table{font-size:.83rem}.article th,.article td{padding:9px}.editorial-home .quick-grid{grid-template-columns:1fr}}

.header-action{display:flex;flex-direction:column;align-items:center;gap:3px;flex-shrink:0}

@media (max-width:660px){.header-action{align-self:center}}

@media (max-width:660px){
  .header-inner .nav{grid-column:1 / -1;grid-row:2;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:3px 12px;width:100%;font-size:.85rem}
  .header-inner .nav a{display:block;padding:3px 0;white-space:normal}
}

/* The recommendation disclosure belongs next to the recommendation, not in the header. */
.hero-disclosure{font-size:.82rem!important;line-height:1.5!important;color:#d5e8e6!important;margin:12px 0 0!important;max-width:660px!important}
.hero-disclosure a{color:#fff;text-decoration:underline}