:root{--ink:#1f2937;--muted:#5b6474;--line:#e3e7ee;--bg:#f6f7f9;--card:#fff;--navy:#1b2a4a;--blue:#2c5aa0;--blue-soft:#eaf1fb;--gold:#c9962b;--gold-dk:#a97a17;--gold-soft:#fbf4e3;--hdr:64px}
*{box-sizing:border-box}
html{scroll-padding-top:calc(var(--hdr) + 16px);-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.7 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto}
a{color:var(--blue)}
.wrap{max-width:1080px;margin:0 auto;padding:0 16px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;z-index:200;background:#fff;padding:8px}
/* sticky header (all pages, all sizes) */
.site-header{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 1px 6px rgba(20,30,50,.06)}
.hdr{position:relative;display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:var(--hdr)}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:700;font-size:1.02rem;flex-shrink:0}
.brand span{white-space:nowrap;font-family:Georgia,"Times New Roman",serif;font-size:1.2rem}
.hnav{display:flex;align-items:center;gap:0;margin:0 auto;flex-shrink:0}
.site-header .wrap{max-width:1240px}
.hnav a{color:var(--navy);text-decoration:none;font-size:.88rem;font-weight:600;padding:8px 9px;border-radius:6px;white-space:nowrap}
.hnav a:hover,.hnav a[aria-current]{background:var(--blue-soft);color:var(--blue)}
.hdr-right{display:flex;align-items:center;gap:8px;flex-shrink:0}
.menu-btn{display:none;width:42px;height:42px;border:1px solid var(--line);background:#fff;border-radius:8px;cursor:pointer;flex-direction:column;justify-content:center;align-items:center;gap:4px;padding:0}
.menu-btn span{display:block;width:18px;height:2px;background:var(--navy);border-radius:2px}
@media(max-width:1200px){
 .menu-btn{display:flex}
 .hnav{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 8px 16px rgba(20,30,50,.08);padding:6px 16px 12px;margin:0}
 .hnav.open{display:flex}
 .hnav a{padding:12px 6px;border-bottom:1px solid var(--line);border-radius:0;font-size:1rem}
 .hnav a:last-child{border-bottom:0}
}
.btn{display:inline-block;text-decoration:none;font-weight:700;border-radius:8px;padding:12px 20px;line-height:1.2;text-align:center;cursor:pointer;border:0;font-size:1rem}
.btn-cta{background:var(--gold);color:#1b1405}
.btn-cta:hover{background:var(--gold-dk);color:#fff}
.btn-alt{background:var(--blue);color:#fff}
.btn-alt:hover{background:var(--navy)}
.btn-ghost{background:#fff;color:var(--navy);border:1px solid var(--line)}
.btn-hdr{padding:10px 14px;font-size:.92rem;flex-shrink:0}
@media(max-width:560px){.btn-hdr{padding:9px 10px;font-size:.78rem;max-width:150px}.brand span{font-size:1.02rem}.brand img{width:24px;height:24px}.hdr{gap:8px}}
@media(max-width:360px){.brand span{display:none}}
.main{padding-top:14px;padding-bottom:48px}
.crumbs{font-size:.85rem;color:var(--muted);margin:4px 0 8px}
.crumbs a{color:var(--muted)}.crumbs .sep{margin:0 4px}
.hero{text-align:center;padding:28px 0 8px}
.hero h1{font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-size:clamp(1.65rem,4.4vw,2.5rem);line-height:1.2;margin:0 auto 14px;max-width:880px}
.hero-line{font-size:1.1rem;color:var(--muted);margin:0 0 16px}
.hero-cta{margin-bottom:12px}
.hero-sm{padding:20px 0 0}
.content{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:28px clamp(16px,4vw,48px);margin-top:16px}
.content h2{font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-size:1.6rem;line-height:1.3;margin:2.2em 0 .6em}
.content h2:first-child{margin-top:.3em}
.content h3{color:var(--navy);font-size:1.22rem;margin:1.6em 0 .4em}
.content h4{font-size:1.05rem;margin:1.3em 0 .3em}
.content p,.content li{max-width:760px}
.content ul,.content ol{padding-left:1.3em}
.tbl{overflow-x:auto;margin:1.2em 0}
table{border-collapse:collapse;width:100%;font-size:.95rem;min-width:520px}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
th{background:var(--blue-soft);color:var(--navy)}
tr:nth-child(even) td{background:#fafbfd}
.note{background:var(--blue-soft);border-left:4px solid var(--blue);padding:14px 18px;border-radius:6px;margin:1.3em 0}
.warn{background:#fff6ed;border-left:4px solid #d9822b;padding:14px 18px;border-radius:6px;margin:1.3em 0}
.keybox{background:var(--gold-soft);border:1px solid #ecd9a8;border-radius:10px;padding:16px 20px;margin:1.3em 0}
.keybox h3{margin-top:0}
.cta-box{background:linear-gradient(180deg,#fdfaf2,#f8f2e2);border:1px solid #ecd9a8;border-radius:12px;padding:22px;text-align:center;margin:2em 0}
.cta-box h2{margin-top:0!important}
.cta-box p{margin:0 auto 14px}
/* ranked picks */
.picks{display:grid;gap:16px;margin:1.4em 0}
.pick{border:1px solid var(--line);border-radius:12px;padding:18px 20px;background:#fff;position:relative}
.pick.top{border:2px solid var(--gold);background:#fffdf7}
.rank{display:inline-block;background:var(--navy);color:#fff;font-weight:700;font-size:.8rem;border-radius:20px;padding:3px 12px;margin-bottom:6px}
.pick.top .rank{background:var(--gold);color:#1b1405}
.pick h3{margin:.2em 0 .3em!important}
.pick .facts{display:flex;flex-wrap:wrap;gap:8px 18px;font-size:.92rem;color:var(--muted);margin:.4em 0 .8em;padding:0;list-style:none}
.pick .facts li{max-width:none}
.pick .facts strong{color:var(--ink)}
.pick .acts{display:flex;flex-wrap:wrap;gap:10px;align-items:center}
.pick .acts a.more{font-size:.95rem}
/* bar charts */
.chart{margin:1.4em 0;padding:16px 18px;border:1px solid var(--line);border-radius:10px;background:#fbfcfe}
.chart h4{margin:0 0 12px}
.bar{display:grid;grid-template-columns:150px 1fr;gap:10px;align-items:center;margin:8px 0;font-size:.92rem}
.bar .track{background:#e9edf3;border-radius:6px;height:26px;position:relative}
.bar .fill{background:var(--blue);height:100%;border-radius:6px;display:flex;align-items:center;justify-content:flex-end;padding-right:8px;color:#fff;font-weight:700;font-size:.82rem;min-width:56px}
.bar .fill.gold{background:var(--gold);color:#1b1405}
.chart .src{font-size:.8rem;color:var(--muted);margin:10px 0 0}
@media(max-width:520px){.bar{grid-template-columns:1fr}}
.steps{counter-reset:s;list-style:none;padding:0}
.steps li{counter-increment:s;position:relative;padding:0 0 12px 44px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center;font-size:.9rem}
.proscons{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:1.2em 0}
.proscons>div{border:1px solid var(--line);border-radius:10px;padding:14px 18px}
.proscons h3{margin-top:0!important;font-size:1.05rem}
.proscons .pro{background:#f3faf5}.proscons .con{background:#fdf5f4}
@media(max-width:640px){.proscons{grid-template-columns:1fr}}
details.faq{border:1px solid var(--line);border-radius:8px;margin:10px 0;padding:0 16px;background:#fff}
details.faq summary{cursor:pointer;font-weight:700;padding:13px 0;color:var(--navy)}
details.faq[open]{padding-bottom:12px}
.related{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;margin:1em 0}
.related a{display:block;border:1px solid var(--line);border-radius:10px;padding:14px;text-decoration:none;color:var(--navy);font-weight:600;background:#fbfcfe}
.related a:hover{border-color:var(--blue)}
.related a span{display:block;font-weight:400;color:var(--muted);font-size:.9rem;margin-top:4px}
.site-footer{background:#151f36;color:#c9d2e3;padding:32px 0 40px;font-size:.92rem}
.f-brand{display:flex;align-items:center;gap:8px;color:#fff;font-weight:700;font-size:1.05rem;margin:0 0 12px}
.f-nav{display:flex;flex-wrap:wrap;gap:6px 18px;margin-bottom:16px}
.f-nav a{color:#e3e9f5}
.disclosure{border-top:1px solid #2c3a59;padding-top:14px;line-height:1.6}
.copy{color:#8f9bb3;margin:10px 0 0}
/* popup */
.pop-overlay{position:fixed;inset:0;z-index:300;background:rgba(14,22,40,.6);display:flex;align-items:center;justify-content:center;padding:16px}
.pop-overlay[hidden]{display:none}
.pop{background:#fff;border-radius:14px;max-width:460px;width:100%;padding:28px 24px 22px;position:relative;text-align:center;box-shadow:0 20px 50px rgba(0,0,0,.3)}
.pop:focus{outline:none}
.pop h2{font-family:Georgia,serif;color:var(--navy);margin:.2em 0 .5em;font-size:1.45rem}
.pop p{color:var(--muted);margin:0 0 16px}
.pop-kicker{text-transform:uppercase;letter-spacing:.06em;font-size:.75rem!important;color:var(--gold-dk)!important;font-weight:700;margin:0!important}
.pop-actions{display:flex;flex-direction:column;gap:10px}
.pop-x{position:absolute;top:8px;right:10px;background:none;border:0;font-size:1.8rem;line-height:1;cursor:pointer;color:var(--muted);padding:4px 8px}
body.pop-open{overflow:hidden}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px}
.facts-list{list-style:none;padding:0;margin:.4em 0 .8em;display:flex;flex-wrap:wrap;gap:6px 18px;font-size:.93rem;color:var(--muted)}
.facts-list li{max-width:none}.facts-list strong{color:var(--ink)}
.src-note{font-size:.85rem;color:var(--muted)}