:root{
  --paper:#ffffff;
  --paper-2:rgba(15,118,110,.06);
  --ink:#000000;
  --muted:rgba(0,0,0,.68);
  --line:rgba(15,118,110,.22);
  --teal:#0f766e;
  --teal-dark:#075c56;
  --teal-soft:rgba(15,118,110,.12);
  --white:#ffffff;
  --shadow:0 18px 55px rgba(0,0,0,.09);
  --radius:22px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  line-height:1.55;
}
a{color:inherit}
img{max-width:100%;display:block}
.container{width:min(1180px,calc(100% - 48px));margin:auto}
.site-header{
  position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);
  backdrop-filter:blur(12px);border-bottom:1px solid rgba(0,0,0,.10)
}
.nav{height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{text-decoration:none;font-weight:900;letter-spacing:-.03em;font-size:1.05rem}
.brand span{color:var(--teal)}
.nav-links{display:flex;align-items:center;gap:20px;font-size:.9rem}
.nav-links a{text-decoration:none;color:var(--muted)}
.nav-links a:hover{color:var(--ink)}
.nav-cta{
  background:var(--teal)!important;color:var(--white)!important;padding:11px 16px;border-radius:999px
}
.hero{padding:88px 0 64px}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;text-transform:uppercase;letter-spacing:.13em;
  font-size:.74rem;font-weight:850;color:var(--teal);margin-bottom:20px
}
.hero-grid{display:grid;grid-template-columns:1.04fr .96fr;gap:72px;align-items:center}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;letter-spacing:-.035em;line-height:.98;margin:0}
h1{font-size:clamp(3.4rem,7.2vw,6.4rem);max-width:850px}
h2{font-size:clamp(2.15rem,4.6vw,4rem)}
h3{font-size:1.55rem;line-height:1.08}
.hero-copy{font-size:1.12rem;max-width:640px;color:var(--muted);margin:28px 0 32px}
.actions{display:flex;gap:12px;flex-wrap:wrap}
.btn{
  display:inline-flex;align-items:center;justify-content:center;text-decoration:none;
  border:1px solid var(--ink);padding:13px 18px;border-radius:999px;font-weight:800;font-size:.93rem
}
.btn.primary{background:var(--teal);border-color:var(--teal);color:var(--white)}
.btn.secondary{background:var(--white)}
.micro{font-size:.82rem;color:var(--muted);margin-top:14px}
.money-card{
  background:var(--white);border:1px solid var(--line);border-radius:28px;padding:26px;box-shadow:var(--shadow);
  transform:rotate(1deg)
}
.card-kicker{text-transform:uppercase;letter-spacing:.12em;font-size:.68rem;font-weight:850;color:var(--muted)}
.flow{display:grid;gap:10px;margin-top:18px}
.flow-row{display:grid;grid-template-columns:52px 1fr;gap:10px;align-items:stretch}
.flow-num{
  border-radius:16px;display:grid;place-items:center;font-weight:900;background:var(--ink);color:var(--white)
}
.flow-box{padding:15px 16px;border:1px solid var(--line);border-radius:16px;background:var(--paper-2)}
.flow-box strong{display:block;margin-bottom:2px}
.flow-box small{color:var(--muted)}
.strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:20px 0;background:var(--paper-2)}
.strip-inner{display:flex;gap:26px;justify-content:center;flex-wrap:wrap;color:var(--muted);font-size:.88rem;font-weight:750}
.section{padding:96px 0}
.section.soft{background:var(--paper-2)}
.section-head{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:end;margin-bottom:44px}
.section-head p{margin:0;color:var(--muted);max-width:620px}
.stage-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.stage{
  min-height:250px;border:1px solid var(--line);border-radius:var(--radius);padding:28px;text-decoration:none;
  display:flex;flex-direction:column;justify-content:space-between;background:var(--white);transition:.2s ease
}
.stage:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.stage:nth-child(2),.stage:nth-child(5){background:var(--teal-soft)}
.stage .num{font-size:.72rem;font-weight:900;letter-spacing:.12em;color:var(--muted)}
.stage p{color:var(--muted);margin:12px 0 0}
.arrow{font-weight:900;font-size:1.3rem}
.tool{
  display:grid;grid-template-columns:.82fr 1.18fr;gap:48px;align-items:center;background:var(--ink);color:var(--white);
  border-radius:30px;padding:48px
}
.tool h2{color:var(--white)}
.tool p{color:rgba(255,255,255,.78)}
.calculator{background:var(--white);color:var(--ink);padding:30px;border-radius:22px}
.field{display:grid;gap:7px;margin-bottom:14px}
label{font-size:.82rem;font-weight:800}
input,select{
  width:100%;border:1px solid var(--line);border-radius:12px;padding:13px 14px;background:var(--white);
  color:var(--ink);font:inherit
}
input:focus,select:focus{outline:3px solid var(--teal-soft);border-color:var(--teal)}
.result{
  margin-top:18px;border-top:1px solid var(--line);padding-top:16px;display:grid;gap:9px
}
.result-row{display:flex;justify-content:space-between;gap:20px}
.result-row.total{font-size:1.08rem;font-weight:900;padding-top:8px;border-top:1px dashed var(--line)}
.note{font-size:.78rem;color:var(--muted);margin-top:12px}
.payment-tool{margin:24px 0;background:var(--ink);border-radius:24px;padding:26px}
.payment-tool-intro{margin-bottom:22px}
.payment-tool-intro h3{color:var(--white);font-size:2rem;margin:7px 0 10px}
.payment-tool-intro p{color:rgba(255,255,255,.78);margin:0}
.payment-tool .calculator{padding:24px}
.payment-inputs{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}
.payment-inputs .field{margin:0}
.payment-inputs small{color:var(--muted);font-size:.72rem;line-height:1.4}
.allocation-result{margin-top:24px}
.allocation-result .fee-row{color:var(--muted);font-size:.86rem}
.allocation-result .total{margin-top:4px;font-size:1.12rem}
.allocation-status{margin:14px 0 0;padding:12px 14px;border-radius:12px;background:var(--teal-soft);color:var(--ink);font-size:.86rem;font-weight:800}
.allocation-status.is-short{border:2px solid var(--ink);background:var(--white)}
.calculator-next{display:grid;gap:7px;margin-top:18px;padding:18px;border:1px solid var(--line);border-radius:16px;background:var(--white)}
.calculator-next a{color:var(--teal-dark);font-weight:800}
.resource-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.resource{
  background:var(--white);border:1px solid var(--line);border-radius:18px;padding:22px;text-decoration:none;
  display:grid;grid-template-columns:1fr auto;gap:18px;align-items:center
}
.resource small{color:var(--muted)}
.callout{
  background:var(--teal);color:var(--white);border-radius:28px;padding:38px;display:grid;
  grid-template-columns:1fr auto;gap:24px;align-items:center
}
.callout h2{font-size:clamp(2rem,4vw,3.5rem)}
.callout .btn{border-color:var(--white);color:var(--white)}
.article{padding:60px 0 90px}
.article-shell{display:grid;grid-template-columns:230px 1fr;gap:50px;align-items:start}
.side{
  position:sticky;top:98px;border:1px solid var(--line);border-radius:18px;background:var(--white);padding:18px
}
.side a{display:block;text-decoration:none;color:var(--muted);padding:7px 0;font-size:.88rem}
.article-main{max-width:820px}
.article-main h1{font-size:clamp(2.8rem,6vw,5.2rem)}
.article-main h2{font-size:2.15rem;line-height:1.05;margin:46px 0 14px}
.article-main h3{margin:28px 0 10px}
.article-main p,.article-main li{color:var(--muted)}
.lede{font-size:1.15rem;color:var(--ink)!important}
.answer{
  background:var(--white);border:1px solid var(--line);border-left:5px solid var(--teal);
  border-radius:16px;padding:20px;margin:26px 0
}
.checklist{padding:0;list-style:none}
.checklist li{padding:11px 0 11px 34px;border-bottom:1px solid var(--line);position:relative}
.checklist li:before{content:"✓";position:absolute;left:4px;font-weight:900;color:var(--teal)}
.table-wrap{width:100%;overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:16px;background:var(--white)}
.table-wrap:focus{outline:3px solid var(--teal-soft);outline-offset:3px}
.compare{width:100%;border-collapse:collapse;margin:0;background:var(--white)}
.compare th,.compare td{padding:13px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.compare th{font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;background:var(--teal-soft)}
.compare tbody tr:last-child td{border-bottom:0}
.provider-table{min-width:800px}
.provider-table td:first-child{min-width:150px;color:var(--ink)}
.compact{margin-bottom:0}
.numbered-list{padding-left:1.35rem}
.numbered-list li{padding:7px 0 7px 6px}
.numbered-list strong{color:var(--ink)}
.verdict-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:26px 0}
.verdict{border:1px solid var(--line);border-radius:16px;padding:18px;background:var(--paper-2)}
.verdict strong{display:block;color:var(--ink);margin-bottom:5px}
.verdict p{margin:0}
.provider-review{border-top:1px solid var(--line);padding:26px 0 8px}
.provider-heading{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;margin-bottom:12px}
.provider-heading h3{margin:0}
.best-for{display:inline-flex;padding:6px 9px;border-radius:999px;background:var(--teal-soft);color:var(--teal-dark);font-size:.7rem;font-weight:900;letter-spacing:.08em}
.provider-review p{margin:10px 0}
.provider-review p strong{color:var(--ink)}
.text-link{color:var(--teal-dark);font-weight:850;text-underline-offset:3px}
.sources{border-top:1px solid var(--line);margin-top:54px;padding-top:8px}
.sources h2{font-size:1.7rem}
.sources ul{padding-left:1.2rem}
.sources li{padding:5px 0}
.sources a{color:var(--teal-dark);text-underline-offset:3px}
.disclosure{
  border:1px dashed var(--teal);padding:14px 16px;border-radius:12px;color:var(--muted);font-size:.82rem;margin:24px 0
}
.footer{border-top:1px solid var(--line);padding:42px 0 55px}
.footer-grid{display:grid;grid-template-columns:1.4fr repeat(2,1fr);gap:30px}
.footer a{display:block;text-decoration:none;color:var(--muted);font-size:.88rem;margin:7px 0}
.footer p{color:var(--muted);font-size:.88rem}
.mobile-nav{display:none}
@media(max-width:850px){
  .nav-links{display:none}.mobile-nav{display:block;font-size:.85rem}
  .hero{padding-top:46px}.hero-grid,.section-head,.tool,.callout,.article-shell{grid-template-columns:1fr}
  .money-card{transform:none}.stage-grid{grid-template-columns:1fr 1fr}
  .side{position:relative;top:auto}.resource-grid{grid-template-columns:1fr}.callout .btn{justify-self:start}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:560px){
  .container{width:min(100% - 24px,1120px)}
  .stage-grid,.footer-grid{grid-template-columns:1fr}
  .hero{padding-bottom:26px}.section{padding:58px 0}
  h1{font-size:3.25rem}.money-card,.tool,.callout{padding:22px}
  .verdict-grid{grid-template-columns:1fr}
  .payment-tool{padding:16px}.payment-tool .calculator{padding:18px}.payment-inputs{grid-template-columns:1fr}.payment-tool-intro h3{font-size:1.55rem}.allocation-result .result-row{align-items:flex-start}.allocation-result .result-row span{max-width:68%}
}


/* v2 additions */
.router-card{
  background:var(--white);border:1px solid var(--line);border-radius:30px;padding:40px;box-shadow:var(--shadow)
}
.router-card .card-kicker{margin-bottom:10px;color:var(--teal)}
.router-q{font-family:Georgia,"Times New Roman",serif;font-size:2.15rem;line-height:1.05;margin-bottom:26px}
.choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.choice{
  cursor:pointer;border:1px solid var(--line);background:var(--white);border-radius:16px;
  min-height:72px;padding:18px 20px;text-align:left;font:inherit;color:var(--ink);font-weight:800
}
.choice:hover,.choice.active{background:var(--teal-soft);border-color:var(--teal)}
.route-result{display:none;margin-top:26px;border-top:1px solid var(--line);padding-top:24px}
.route-result.show{display:block}
.route-list{display:grid;gap:10px;margin-top:12px}
.route-item{
  border:1px solid var(--line);border-radius:14px;padding:14px;background:var(--paper-2)
}
.route-item strong{display:block;margin-bottom:3px}
.route-item small{color:var(--muted)}
.route-item a{display:inline-block;margin-top:8px;font-weight:850}
.pill{
  display:inline-flex;padding:6px 9px;border-radius:999px;background:var(--paper-2);border:1px solid var(--line);
  font-size:.72rem;font-weight:850;color:var(--muted);margin:2px 4px 2px 0
}
.pathline{display:flex;gap:8px;flex-wrap:wrap;margin:22px 0}
.pathstep{padding:8px 11px;border-radius:999px;background:var(--white);border:1px solid var(--line);font-size:.8rem;font-weight:800;text-decoration:none;transition:background .16s ease,border-color .16s ease,transform .16s ease}
.pathstep:hover{background:var(--teal-soft);border-color:var(--teal);transform:translateY(-1px)}
.pathstep:focus-visible{outline:3px solid var(--teal-soft);outline-offset:3px}
.pathstep.current{background:var(--teal);color:var(--white);border-color:var(--teal)}
.comparison-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:24px 0}
.comparison-card{display:flex;flex-direction:column;gap:8px;min-height:160px;padding:20px;border:1px solid var(--line);border-radius:18px;background:var(--white);text-decoration:none;transition:transform .16s ease,box-shadow .16s ease,border-color .16s ease}
.comparison-card:hover{transform:translateY(-2px);box-shadow:var(--shadow);border-color:var(--teal)}
.comparison-card strong{font-family:Georgia,"Times New Roman",serif;font-size:1.4rem;line-height:1.08}
.comparison-card span{color:var(--muted)}
.comparison-card b{color:var(--teal-dark);margin-top:auto}
.next-compare{margin:52px 0 4px;padding:22px;border:1px solid var(--line);border-radius:18px;background:var(--paper-2)}
.comparison-links{display:flex;flex-wrap:wrap;gap:9px;margin-top:12px}
.comparison-links a{padding:8px 11px;border:1px solid var(--line);border-radius:999px;background:var(--white);text-decoration:none;font-size:.82rem;font-weight:800}
.provider-link{display:flex;flex-direction:column;gap:5px;color:var(--ink);text-decoration:none}
.provider-link span{font-size:.72rem;line-height:1.25;color:var(--teal-dark);font-weight:850}
.provider-link:hover strong{text-decoration:underline;text-decoration-color:var(--teal);text-underline-offset:3px}
.related-guides{margin-top:56px;padding-top:38px;border-top:1px solid var(--line)}
.related-guides h2{margin-top:0}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:22px}
.related-grid>a{display:flex;flex-direction:column;gap:8px;min-height:185px;padding:18px;border:1px solid var(--line);border-radius:16px;background:var(--white);text-decoration:none;transition:transform .16s ease,border-color .16s ease,box-shadow .16s ease}
.related-grid>a:hover{transform:translateY(-2px);border-color:var(--teal);box-shadow:var(--shadow)}
.related-grid strong{font-family:Georgia,"Times New Roman",serif;font-size:1.25rem;line-height:1.08}
.related-grid span{color:var(--muted);font-size:.9rem}
.related-grid b{margin-top:auto;color:var(--teal-dark);font-size:.82rem}
.decision-box{
  background:var(--white);border:1px solid var(--line);border-radius:18px;padding:20px;margin:20px 0
}
.decision-box h3{font-family:Inter,ui-sans-serif,system-ui,sans-serif;font-size:1rem;letter-spacing:0;margin-bottom:10px}
.stop-box{
  margin:30px 0;padding:22px;border-radius:18px;background:var(--teal-soft);border:1px solid var(--teal)
}
.skip-box{
  margin:24px 0;padding:20px;border-radius:18px;background:var(--white);border:1px solid var(--line)
}
.meta-note{font-size:.78rem;color:var(--muted)}
.affiliate-note{border:1px solid var(--teal);border-radius:14px;padding:15px 17px;margin:24px 0;background:var(--teal-soft);font-size:.84rem;color:var(--muted)}
.affiliate-note strong{color:var(--ink)}
.paid-marker{display:inline-block;margin-left:5px;color:var(--teal-dark);font-size:.72em;font-weight:900;text-transform:uppercase;letter-spacing:.05em}
.product-cta{display:inline-flex;align-items:center;justify-content:center;margin:8px 0 4px;padding:10px 14px;border-radius:999px;background:var(--teal);color:var(--white);font-weight:850;text-decoration:none}
.product-cta:hover{background:var(--teal-dark)}
.article-jump{display:flex;gap:8px;flex-wrap:wrap;margin:22px 0}
.article-jump a{padding:8px 11px;border:1px solid var(--line);border-radius:999px;text-decoration:none;font-size:.8rem;font-weight:800;background:var(--white)}
.rule-box{border-left:5px solid var(--teal);padding:18px 20px;margin:24px 0;background:var(--teal-soft);border-radius:0 16px 16px 0}
.rule-box strong{color:var(--ink)}
.product-callout{border:1px solid var(--line);border-radius:18px;padding:22px;margin:22px 0;background:var(--white)}
.product-callout h3{margin-top:0}
.product-callout p:last-child{margin-bottom:0}
.cost-legend{border:1px solid var(--line);border-radius:16px;padding:17px 19px;margin:20px 0;background:var(--paper-2)}
.cost-legend strong{color:var(--ink)}
.cost-legend p{margin:7px 0 0;color:var(--muted)}
.mini-verdict{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:20px 0}
.mini-verdict>div{border:1px solid var(--line);border-radius:15px;padding:16px;background:var(--paper-2)}
.mini-verdict strong{display:block;color:var(--ink);margin-bottom:5px}
.comparison-nav{margin:50px 0 4px;padding:24px;border:1px solid var(--line);border-radius:18px;background:var(--paper-2)}
.comparison-nav h2{font-size:1.8rem;margin:0 0 10px}
.comparison-nav ul{margin:0;padding-left:1.2rem}
.comparison-nav li{padding:5px 0}
.comparison-nav a{color:var(--teal-dark);font-weight:800;text-underline-offset:3px}
@media(max-width:760px){
  .choice-grid{grid-template-columns:1fr}
  .router-card{padding:30px}
  .choice{min-height:64px}
  .related-grid{grid-template-columns:1fr}
  .mini-verdict{grid-template-columns:1fr}
}
@media(max-width:560px){
  .router-card{padding:24px}
  .router-q{font-size:2rem;margin-bottom:22px}
  .comparison-grid{grid-template-columns:1fr}
}