:root{
  --navy-900:#0A1228; --navy-800:#0F1B38; --navy-700:#16264A; --navy-500:#36486B;
  --gold-300:#F0DC9A; --gold-400:#E6C964; --gold-500:#D4AF37; --gold-600:#B8860B;
  --paper:#FAF8F3; --cool:#F3F5FA; --cool-2:#EAEEF7; --line:#E3E7F0;
  --ink:#0A1228; --slate:#52607A; --slate-2:#8A94A8;
  --success:#1E8E5A; --success-bg:#E7F4ED; --danger:#C0392B;
  --font-d:"Outfit",system-ui,sans-serif; --font-b:"Inter",system-ui,sans-serif; --font-n:"Space Grotesk","Inter",sans-serif;
  --r:14px; --r-lg:22px; --pill:999px;
  --el-1:0 1px 2px rgba(10,18,40,.05),0 2px 8px rgba(10,18,40,.06);
  --el-2:0 8px 30px rgba(10,18,40,.10);
  --el-gold:0 8px 24px rgba(184,134,11,.28);
}
*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{font-family:var(--font-b);color:var(--ink);background:#fff;line-height:1.55;-webkit-font-smoothing:antialiased;}
.num{font-family:var(--font-n);font-variant-numeric:tabular-nums;letter-spacing:-.01em;}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px;}
h1,h2,h3{font-family:var(--font-d);color:var(--navy-900);letter-spacing:-.02em;line-height:1.04;}
.over{font-family:var(--font-d);text-transform:uppercase;letter-spacing:.16em;font-size:12.5px;font-weight:700;color:var(--gold-600);}
a{color:inherit;}
.btn{font-family:var(--font-d);font-weight:700;font-size:16px;border:none;border-radius:var(--pill);padding:15px 30px;cursor:pointer;display:inline-flex;gap:9px;align-items:center;text-decoration:none;transition:transform .15s,background .2s,box-shadow .2s;}
.btn-gold{background:var(--gold-500);color:var(--navy-900);box-shadow:var(--el-gold);}
.btn-gold:hover{background:var(--gold-400);transform:translateY(-1px);}
.btn-navy{background:var(--navy-900);color:#fff;}
.btn-navy:hover{background:var(--navy-700);}
.btn-ghost{background:transparent;border:1.5px solid var(--line);color:var(--navy-900);box-shadow:none;}
.btn-ghost:hover{border-color:var(--navy-700);}

/* topbar */
.topbar{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.9);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;}
.logo{display:flex;align-items:center;gap:11px;}
.logo svg{width:34px;height:34px;flex:none;}
.logo .wm{font-family:var(--font-d);font-weight:800;font-size:21px;letter-spacing:-.02em;}
.logo .wm b{color:var(--gold-600);font-weight:800;}
.logo .wm span{color:var(--navy-900);}
.topbar .right{display:flex;align-items:center;gap:18px;font-size:13px;color:var(--slate);}
.stars{color:var(--success);font-weight:700;}
@media(max-width:680px){.topbar .right .powered{display:none;}}

/* hero */
.hero{background:linear-gradient(180deg,#fff 0%,var(--cool) 100%);padding:56px 0 64px;}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr;gap:32px;}}
.pills{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:20px;}
.pill{display:inline-flex;align-items:center;gap:6px;background:#fff;border:1px solid var(--line);border-radius:var(--pill);padding:7px 14px;font-size:13px;font-weight:600;color:var(--navy-700);box-shadow:var(--el-1);}
.hero h1{font-size:clamp(38px,5.4vw,62px);font-weight:800;margin-bottom:18px;}
.hero h1 .g{color:var(--gold-600);}
.hero .sub{font-size:19px;color:var(--slate);max-width:46ch;margin-bottom:8px;}
.hero .fund{font-size:14px;color:var(--slate-2);margin-bottom:26px;}
.hero .fund b{color:var(--navy-700);}
.q-label{font-family:var(--font-d);font-weight:700;font-size:15px;color:var(--navy-900);margin-bottom:12px;}
.q-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;max-width:440px;}
.q-opt{display:flex;align-items:center;justify-content:space-between;background:#fff;border:1.5px solid var(--line);border-radius:var(--r);padding:15px 18px;font-family:var(--font-d);font-weight:700;font-size:16px;color:var(--navy-900);cursor:pointer;transition:all .15s;text-decoration:none;}
.q-opt:hover{border-color:var(--gold-500);box-shadow:var(--el-gold);transform:translateY(-1px);}
.q-opt .arr{color:var(--gold-600);}
.allopt{margin-top:14px;display:inline-block;font-family:var(--font-d);font-weight:600;color:var(--navy-700);text-decoration:none;font-size:15px;border-bottom:2px solid var(--gold-400);}
.micro{margin-top:16px;font-size:13px;color:var(--slate-2);}
.micro b{color:var(--success);}

/* hero panel */
.panel{background:var(--navy-900);border-radius:var(--r-lg);padding:32px;color:#fff;box-shadow:var(--el-2);position:relative;overflow:hidden;}
.panel::after{content:"";position:absolute;right:-40px;top:-40px;width:180px;height:180px;background:radial-gradient(circle,rgba(212,175,55,.18),transparent 70%);}
.panel .ptag{font-size:13px;color:var(--gold-400);font-family:var(--font-d);font-weight:600;letter-spacing:.04em;margin-bottom:18px;}
.compare{display:flex;align-items:flex-end;gap:14px;}
.compare .col{flex:1;text-align:center;}
.compare .bar{border-radius:10px 10px 0 0;margin-top:10px;}
.compare .v{font-family:var(--font-n);font-weight:700;font-size:40px;line-height:1;}
.compare .l{font-size:12px;color:#9FB0C9;margin-top:8px;}
.compare .card .v{color:#E89B92;} .compare .heloc .v{color:var(--gold-400);}
.panel .pnote{font-size:11px;color:#7F8DA6;margin-top:18px;line-height:1.5;}
.review{margin-top:22px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:var(--r);padding:15px 17px;}
.review .q{font-family:var(--font-d);font-weight:600;font-size:15px;}
.review .by{font-size:12.5px;color:#9FB0C9;margin-top:7px;}

/* stat band */
.stats{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
.stats .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;padding:36px 24px;}
@media(max-width:680px){.stats .wrap{grid-template-columns:1fr;gap:24px;text-align:center;}}
.stat .v{font-family:var(--font-n);font-weight:700;font-size:38px;color:var(--navy-900);}
.stat .l{font-size:14px;color:var(--slate);margin-top:4px;}
.disc{font-size:11px;color:var(--slate-2);text-align:center;padding:0 24px 26px;}

/* sections */
section{padding:74px 0;}
.tint{background:var(--cool);}
.sec-head{text-align:center;max-width:34ch;margin:0 auto 44px;}
.sec-head h2{font-size:clamp(28px,3.6vw,42px);font-weight:800;margin:10px 0 12px;}
.sec-head p{color:var(--slate);font-size:17px;}
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
@media(max-width:820px){.cards3{grid-template-columns:1fr;}}
.vcard{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;box-shadow:var(--el-1);}
.vcard .ic{width:46px;height:46px;border-radius:12px;background:var(--cool-2);display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:16px;}
.vcard h3{font-size:21px;font-weight:700;margin-bottom:8px;}
.vcard p{color:var(--slate);font-size:15px;}

/* math feature */
.math-wrap{background:var(--navy-900);border-radius:28px;padding:48px;text-align:center;color:#fff;box-shadow:var(--el-2);}
.math-wrap .over{color:var(--gold-400);}
.math-wrap h2{color:#fff;font-size:clamp(26px,3.4vw,38px);margin:10px 0 28px;}
.math-row{display:flex;align-items:center;justify-content:center;gap:28px;flex-wrap:wrap;}
.math-row .stat2{min-width:150px;}
.math-row .big{font-family:var(--font-n);font-weight:700;font-size:58px;line-height:1;}
.math-row .lab{font-size:13px;color:#9FB0C9;margin-top:8px;text-transform:uppercase;letter-spacing:.1em;}
.math-row .card2 .big{color:#E89B92;} .math-row .heloc2 .big{color:var(--gold-400);}
.math-row .vs{font-family:var(--font-d);font-style:italic;font-size:22px;color:#7F8DA6;}
.math-wrap .mnote{font-size:11.5px;color:#7F8DA6;margin-top:24px;}

/* use cases */
.uc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;}
@media(max-width:820px){.uc-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:560px){.uc-grid{grid-template-columns:1fr;}}
.uc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;transition:all .15s;}
.uc:hover{border-color:var(--gold-400);box-shadow:var(--el-1);}
.uc .tag{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--gold-600);}
.uc h3{font-size:19px;font-weight:700;margin:8px 0 6px;}
.uc p{font-size:14px;color:var(--slate);}

/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:34px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:28px;padding:38px;box-shadow:var(--el-1);}
@media(max-width:820px){.calc{grid-template-columns:1fr;gap:26px;}}
.ctrl{margin-bottom:26px;}
.ctrl .top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:8px;}
.ctrl label{font-family:var(--font-d);font-weight:700;font-size:15px;}
.ctrl .val{font-family:var(--font-n);font-weight:700;font-size:18px;color:var(--gold-600);}
input[type=range]{width:100%;-webkit-appearance:none;appearance:none;height:6px;border-radius:6px;background:var(--cool-2);outline:none;}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:var(--gold-500);cursor:pointer;box-shadow:0 2px 6px rgba(184,134,11,.4);border:3px solid #fff;}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--gold-500);cursor:pointer;border:3px solid #fff;}
.result{background:var(--navy-900);border-radius:var(--r-lg);padding:30px;color:#fff;text-align:center;}
.result .rtag{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-400);font-weight:700;}
.result .rbig{font-family:var(--font-n);font-weight:700;font-size:46px;margin:10px 0 2px;}
.result .rsub{font-size:13px;color:#9FB0C9;}
.result .rrow{display:flex;justify-content:space-between;font-size:14px;border-top:1px solid rgba(255,255,255,.12);padding-top:14px;margin-top:18px;color:#C9D4E5;}
.result .rrow .num{color:#fff;}
.result .btn{margin-top:20px;width:100%;justify-content:center;}
.calc .cnote{grid-column:1/-1;font-size:11px;color:var(--slate-2);line-height:1.5;}

/* quiz */
.quiz{max-width:760px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:28px;padding:40px;box-shadow:var(--el-1);}
.quiz .qstep{display:flex;justify-content:space-between;font-size:13px;color:var(--slate-2);margin-bottom:6px;}
.qbar{height:6px;background:var(--cool-2);border-radius:6px;overflow:hidden;margin-bottom:26px;}
.qbar i{display:block;height:100%;width:20%;background:var(--gold-500);border-radius:6px;transition:width .3s;}
.qgroup{margin-bottom:24px;}
.qgroup .qq{font-family:var(--font-d);font-weight:700;font-size:17px;margin-bottom:12px;}
.opts{display:flex;flex-wrap:wrap;gap:10px;}
.opt{border:1.5px solid var(--line);background:#fff;border-radius:var(--pill);padding:10px 18px;font-size:14px;font-weight:600;color:var(--navy-700);cursor:pointer;font-family:var(--font-b);transition:all .12s;}
.opt:hover{border-color:var(--gold-400);}
.opt.sel{background:var(--navy-900);color:#fff;border-color:var(--navy-900);}
.quiz .qfoot{display:flex;justify-content:space-between;align-items:center;margin-top:10px;flex-wrap:wrap;gap:12px;}
.quiz .qfoot .m{font-size:13px;color:var(--slate-2);}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:s;}
@media(max-width:820px){.steps{grid-template-columns:1fr;}}
.step{position:relative;padding-top:8px;}
.step .n{width:44px;height:44px;border-radius:50%;background:var(--gold-500);color:var(--navy-900);font-family:var(--font-d);font-weight:800;font-size:20px;display:flex;align-items:center;justify-content:center;margin-bottom:16px;}
.step h3{font-size:20px;font-weight:700;margin-bottom:8px;}
.step p{color:var(--slate);font-size:15px;}

/* testimonials */
.tgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
@media(max-width:820px){.tgrid{grid-template-columns:1fr;}}
.tcard{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;box-shadow:var(--el-1);}
.tcard .qt{font-family:var(--font-d);font-weight:600;font-size:18px;color:var(--navy-900);line-height:1.35;}
.tcard .by{font-size:13px;color:var(--slate);margin-top:14px;}
.tcard .by .v{color:var(--success);font-weight:700;}

/* faq */
.faq{max-width:780px;margin:0 auto;}
.fitem{border-bottom:1px solid var(--line);}
.fq{width:100%;text-align:left;background:none;border:none;padding:22px 0;font-family:var(--font-d);font-weight:700;font-size:18px;color:var(--navy-900);cursor:pointer;display:flex;justify-content:space-between;gap:16px;align-items:center;}
.fq .pm{color:var(--gold-600);font-size:24px;flex:none;transition:transform .2s;}
.fa{max-height:0;overflow:hidden;transition:max-height .3s ease;color:var(--slate);font-size:15.5px;}
.fa p{padding:0 0 22px;}
.fitem.open .pm{transform:rotate(45deg);}

/* final cta */
.final{background:linear-gradient(180deg,var(--navy-800),var(--navy-900));color:#fff;text-align:center;}
.final h2{color:#fff;font-size:clamp(28px,3.6vw,44px);font-weight:800;margin-bottom:14px;}
.final p{color:#C9D4E5;font-size:18px;max-width:50ch;margin:0 auto 28px;}
.final .stars{color:var(--gold-400);margin-top:20px;font-size:14px;display:block;}

/* footer */
footer{background:var(--navy-900);color:#9FB0C9;padding:48px 0 40px;font-size:13px;}
footer .logo .wm span{color:#fff;} footer .logo .wm b{color:var(--gold-400);}
footer .cols{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap;margin:24px 0;}
footer .legal{border-top:1px solid rgba(255,255,255,.1);padding-top:22px;font-size:11.5px;line-height:1.6;color:#7F8DA6;}
footer .legal b{color:#C9D4E5;}
.eh{display:inline-flex;align-items:center;gap:8px;font-size:11px;border:1px solid rgba(255,255,255,.2);border-radius:6px;padding:5px 9px;margin-top:10px;}

/* quiz contact step */
.cinput{font-family:var(--font-b);font-size:16px;color:var(--ink);background:#fff;border:1.5px solid var(--line);border-radius:var(--r);padding:14px 16px;outline:none;width:100%;transition:border-color .15s,box-shadow .15s;}
.cinput::placeholder{color:var(--slate-2);}
.cinput:focus{border-color:var(--gold-500);box-shadow:0 0 0 3px rgba(212,175,55,.22);}
.consent{display:flex;gap:10px;align-items:flex-start;margin:18px 0 4px;font-size:12.5px;color:var(--slate);line-height:1.5;}
.consent input{margin-top:3px;flex:none;}
.consent a{color:var(--gold-600);}
.qstatus{margin-top:14px;font-size:14px;font-weight:600;min-height:18px;}
.qstatus.ok{color:var(--success);}
.qstatus.err{color:var(--danger);}

/* trust elements (Big Think Capital — attributed) */
.tp-mini{display:none;font-size:13px;color:#00B67A;font-weight:700;text-decoration:none;}
@media(min-width:780px){.tp-mini{display:inline;}}
.trustbar{background:var(--navy-900);color:#fff;border-top:1px solid rgba(255,255,255,.06);}
.trustbar .wrap{display:flex;align-items:center;justify-content:center;gap:12px 24px;flex-wrap:wrap;padding:13px 24px;font-size:13.5px;}
.trustbar .tb-lead{color:#C9D4E5;}
.trustbar .tb-lead b{color:var(--gold-400);}
.trustbar .tb-badge{display:inline-flex;align-items:center;gap:7px;color:#fff;text-decoration:none;border:1px solid rgba(255,255,255,.16);border-radius:var(--pill);padding:6px 14px;transition:border-color .15s;}
.trustbar .tb-badge:hover{border-color:var(--gold-400);}
.trustbar .tb-stars{color:#00B67A;letter-spacing:-1px;}
footer .legal a{color:#C9D4E5;text-decoration:underline;}
/* "Good friend of Redditors" header badge */
.rfriend{display:none;align-items:center;gap:7px;font-family:var(--font-d);font-weight:700;font-size:12.5px;color:var(--navy-700);background:var(--cool);border:1px solid var(--line);border-radius:var(--pill);padding:4px 13px 4px 6px;white-space:nowrap;}
.rfriend-ic{width:28px;height:28px;flex:none;}
@media(min-width:1040px){.rfriend{display:inline-flex;}}
.pill-r{background:#FBF3D6;border-color:var(--gold-400);}
.pill-r-ic{width:22px;height:22px;flex:none;}

/* ---- persona landing pages ---- */
a.uc{text-decoration:none;display:block;color:inherit;}
.uc.cur{border-color:var(--gold-400);background:var(--cool);}
.uc .here{display:inline-block;margin-top:8px;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--slate-2);}
a.logo{text-decoration:none;}
.tnote{text-align:center;color:var(--slate-2);font-size:12px;margin-top:20px;}

/* ---- Floating Cap mascot (injected by app.js) ---- */
.cap-buddy{position:fixed;right:20px;bottom:18px;width:176px;z-index:40;}
.cap-buddy.dismissed{display:none;}
.cap-tap{background:none;border:none;padding:0;margin:0;cursor:pointer;display:block;line-height:0;}
.cap-tap svg{width:176px;height:207px;display:block;filter:drop-shadow(0 8px 18px rgba(10,18,40,.18));}
.cap-sl{font-family:var(--font-n);font-weight:700;}
.cap-close{position:absolute;top:2px;right:0;z-index:3;width:24px;height:24px;border-radius:50%;border:1px solid var(--line);background:#fff;color:var(--slate);cursor:pointer;display:flex;align-items:center;justify-content:center;padding:0;box-shadow:var(--el-1);opacity:0;transition:opacity .2s;}
.cap-buddy.go .cap-close{opacity:1;transition-delay:1.3s;}
.cap-buddy:hover .cap-close,.cap-buddy:focus-within .cap-close{opacity:1;transition-delay:0s;}
.cap-bubble{position:absolute;top:-6px;left:-122px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:8px 13px;font-family:var(--font-d);font-weight:700;font-size:12.5px;color:var(--navy-700);white-space:nowrap;box-shadow:var(--el-1);opacity:0;}
.cap-bubble:after{content:"";position:absolute;right:-6px;top:16px;width:10px;height:10px;background:#fff;border-right:1px solid var(--line);border-bottom:1px solid var(--line);transform:rotate(-45deg);}
.cap-rise{opacity:0;position:relative;}
.cap-buddy.go .cap-rise{animation:capDrop 1.25s both;}
.cap-buddy.go .cap-bubble{animation:capBubble .45s ease-out 1.2s both;}
.cap-buddy.go .cap-body{animation:capBob 2.8s ease-in-out 1.4s infinite;}
.cap-buddy.go .cap-eyes{transform-box:view-box;transform-origin:100px 112px;animation:capBlink 4.6s ease-in-out 1.7s infinite;}
.cap-buddy.go .cap-sign{transform-box:view-box;transform-origin:100px 172px;animation:capRaise .6s cubic-bezier(.34,1.56,.64,1) .6s both,capSway 3.4s ease-in-out 1.6s infinite;}
@keyframes capDrop{0%{opacity:0;transform:translateY(-360px);animation-timing-function:cubic-bezier(.4,0,.5,1);}12%{opacity:1;}60%{opacity:1;transform:translateY(0);animation-timing-function:ease-out;}74%{transform:translateY(-15px);animation-timing-function:ease-in;}86%{transform:translateY(0);animation-timing-function:ease-out;}94%{transform:translateY(-5px);animation-timing-function:ease-in;}100%{opacity:1;transform:translateY(0);}}
@keyframes capBob{0%,100%{transform:translateY(0);}50%{transform:translateY(-5px);}}
@keyframes capBlink{0%,90%,100%{transform:scaleY(1);}95%{transform:scaleY(.08);}}
@keyframes capSway{0%,100%{transform:rotate(-2.6deg);}50%{transform:rotate(2.6deg);}}
@keyframes capRaise{0%{transform:rotate(14deg) translateY(8px);}100%{transform:rotate(-2.6deg) translateY(0);}}
@keyframes capBubble{0%{opacity:0;transform:translateY(8px) scale(.85);}100%{opacity:1;transform:translateY(0) scale(1);}}
@media (prefers-reduced-motion:reduce){
  .cap-buddy .cap-rise,.cap-buddy .cap-bubble,.cap-buddy .cap-close{opacity:1;}
  .cap-buddy .cap-rise,.cap-buddy .cap-bubble,.cap-buddy .cap-body,.cap-buddy .cap-eyes,.cap-buddy .cap-sign{animation:none !important;}
}
@media (max-width:600px){
  .cap-buddy{width:132px;right:12px;bottom:12px;}
  .cap-tap svg{width:132px;height:156px;}
  .cap-bubble{top:-34px;left:auto;right:2px;}
  .cap-bubble:after{left:auto;right:26px;top:auto;bottom:-6px;transform:rotate(45deg);}
}

/* ===== breadcrumb + article (long-form content) ===== */
.crumb{background:#fff;border-bottom:1px solid var(--line);}
.crumb .wrap{padding:11px 24px;font-size:13px;color:var(--slate);}
.crumb a{color:var(--navy-700);text-decoration:none;font-weight:600;}
.crumb a:hover{color:var(--gold-600);}
.crumb .sep{margin:0 8px;color:var(--slate-2);}
.eyebrow{display:inline-block;font-family:var(--font-d);font-weight:700;text-transform:uppercase;letter-spacing:.14em;font-size:12px;color:var(--gold-600);margin-bottom:14px;}
.related{display:flex;gap:10px;flex-wrap:wrap;justify-content:center;margin-top:8px;}
.related a{font-size:13.5px;font-weight:600;color:var(--navy-700);text-decoration:none;border:1px solid var(--line);border-radius:var(--pill);padding:8px 15px;transition:all .15s;background:#fff;}
.related a:hover{border-color:var(--gold-400);color:var(--gold-600);}
.article{max-width:760px;margin:0 auto;padding:40px 0 8px;}
.article .eyebrow{margin-bottom:12px;}
.article h1{font-size:clamp(30px,4.2vw,42px);margin-bottom:14px;}
.byline{display:flex;flex-wrap:wrap;align-items:center;gap:8px 12px;font-size:13.5px;color:var(--slate);margin:6px 0 26px;}
.byline .who{font-weight:600;color:var(--navy-700);}
.byline .dot{color:var(--slate-2);}
.byline .reviewed{display:inline-flex;align-items:center;gap:6px;color:var(--success);font-weight:600;}
.answer{background:var(--paper);border:1px solid var(--line);border-left:4px solid var(--gold-500);border-radius:var(--r);padding:20px 22px;margin:0 0 26px;}
.answer .lab{font-family:var(--font-d);font-weight:700;text-transform:uppercase;letter-spacing:.1em;font-size:11.5px;color:var(--gold-600);margin-bottom:8px;}
.answer p{font-size:17px;color:#26324A;line-height:1.6;}
.answer p+p{margin-top:12px;}
.takeaways{background:var(--cool);border:1px solid var(--line);border-radius:var(--r-lg);padding:24px 26px;margin:0 0 34px;}
.takeaways h2{font-size:16px;font-family:var(--font-d);text-transform:uppercase;letter-spacing:.08em;color:var(--navy-900);margin-bottom:14px;}
.takeaways ul{list-style:none;padding:0;margin:0;display:grid;gap:11px;}
.takeaways li{position:relative;padding-left:28px;font-size:15.5px;color:#26324A;line-height:1.5;}
.takeaways li::before{content:"✓";position:absolute;left:0;top:0;color:var(--gold-600);font-weight:700;}
.prose{font-size:16.5px;color:#26324A;line-height:1.7;}
.prose h2{font-size:clamp(23px,2.8vw,28px);margin:40px 0 8px;}
.prose h3{font-size:19px;margin:26px 0 6px;color:var(--navy-700);}
.prose p{margin:12px 0;}
.prose ul,.prose ol{margin:12px 0 12px;padding-left:22px;}
.prose li{margin:7px 0;}
.prose a{color:var(--gold-600);font-weight:600;text-decoration:underline;text-underline-offset:2px;}
.prose strong,.prose b{color:var(--navy-900);}
.prose hr{border:none;border-top:1px solid var(--line);margin:34px 0;}
.tbl-wrap{overflow-x:auto;margin:20px 0;border:1px solid var(--line);border-radius:var(--r);}
table.ctable{width:100%;border-collapse:collapse;font-size:14.5px;min-width:520px;}
table.ctable th,table.ctable td{text-align:left;padding:12px 15px;border-bottom:1px solid var(--line);vertical-align:top;}
table.ctable thead th{background:var(--navy-900);color:#fff;font-family:var(--font-d);font-weight:700;font-size:13.5px;}
table.ctable tbody th{background:var(--cool);font-weight:700;color:var(--navy-900);white-space:nowrap;}
table.ctable tbody tr:last-child td,table.ctable tbody tr:last-child th{border-bottom:none;}
table.ctable tbody tr:hover td{background:var(--paper);}
.tbl-note{font-size:12.5px;color:var(--slate);margin:8px 2px 0;font-style:italic;}
.softcta{background:var(--navy-900);border-radius:var(--r-lg);padding:30px 32px;margin:36px 0;color:#fff;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:18px;box-shadow:var(--el-2);}
.softcta .ct-h{font-family:var(--font-d);font-weight:700;font-size:21px;color:#fff;margin-bottom:6px;letter-spacing:-.01em;}
.softcta .ct-p{font-size:14.5px;color:#C9D4E5;max-width:46ch;}
.softcta .ct-side{flex:none;text-align:center;}
.softcta .ct-side .micro{display:block;font-size:12px;color:#9FB0C9;margin-top:9px;}
.disclaimer{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;font-size:13px;color:var(--slate);margin:30px 0 0;line-height:1.6;}
.sources{font-size:12.5px;color:var(--slate);margin:26px 0 0;line-height:1.6;}
.sources b{color:var(--navy-700);}
.article .faq{margin:14px 0 0;}
@media(max-width:680px){.softcta{flex-direction:column;align-items:flex-start;}.softcta .ct-side{align-self:stretch;}.softcta .ct-side .btn{width:100%;justify-content:center;}}