*{box-sizing:border-box}
:root{--bg:#0f172a;--panel:#ffffff;--text:#0f172a;--muted:#475569;--accent:#2563eb;--soft:#eff6ff;--border:#dbe3ee}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;background:#f8fafc;color:var(--text);line-height:1.6}
a{color:#1d4ed8}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #93c5fd;outline-offset:3px}
.wrap{max-width:980px;margin:0 auto;padding:0 20px}
.site-nav{background:#fff;border-bottom:1px solid var(--border);position:relative;z-index:2}
.nav-inner{min-height:58px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{font-weight:800;text-decoration:none;color:var(--text)}
.nav-links{display:flex;gap:18px;align-items:center}
.nav-links a{font-weight:700;text-decoration:none;color:#334155;font-size:.94rem}
.nav-links a:hover,.nav-links a[aria-current="page"]{color:var(--accent)}
.hero{background:var(--bg);color:white;padding:64px 0 48px}
.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.78rem;font-weight:700;opacity:.8}
h1{font-size:clamp(2.2rem,6vw,4.2rem);line-height:1.04;margin:12px 0 18px;max-width:840px}
.lead{font-size:1.2rem;max-width:760px;color:#dbeafe}
.disclosure{font-size:.88rem;color:#cbd5e1;max-width:760px}
main{padding:28px 20px 56px}
.card{background:var(--panel);border:1px solid var(--border);border-radius:18px;padding:28px;margin:22px 0;box-shadow:0 8px 24px rgba(15,23,42,.05)}
h2{margin-top:0;line-height:1.2}
.section-intro{color:var(--muted);margin-top:-4px}
.grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.wide{grid-column:1/-1}
label{display:flex;flex-direction:column;gap:7px;font-weight:700}
input,select{padding:13px 12px;border:1px solid #cbd5e1;border-radius:10px;font-size:1rem;background:white;color:var(--text)}
button{margin-top:20px;appearance:none;border:0;border-radius:10px;background:var(--accent);color:white;font-size:1.05rem;font-weight:700;padding:14px 18px;cursor:pointer}
button:hover{filter:brightness(.96)}
.result{margin-top:22px;padding:20px;border-radius:14px;background:var(--soft);border:1px solid #bfdbfe}.result h3{margin-top:0}.hidden{display:none}
.three{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.three article{background:#f8fafc;border:1px solid var(--border);border-radius:12px;padding:18px}
.note{font-size:.9rem;color:var(--muted)}
.cta{display:inline-block;margin-top:8px;padding:12px 16px;background:var(--accent);color:white;text-decoration:none;border-radius:9px;font-weight:700}
.alt{display:inline-block;margin-top:8px;margin-right:8px;color:var(--accent);font-weight:700}
footer{border-top:1px solid var(--border);padding:28px 0;color:var(--muted);font-size:.9rem;background:#fff}
.footer-inner{display:flex;justify-content:space-between;gap:20px;align-items:center}
.footer-inner p{margin:0}.footer-inner a{color:#334155}
.narrow{max-width:820px}
.article-hero{background:var(--bg);color:white;padding:46px 0 38px}
.article-hero h1{font-size:clamp(2rem,5vw,3.5rem);max-width:780px}
.backlink{display:inline-block;color:#bfdbfe;text-decoration:none;margin-bottom:22px;font-weight:700}.backlink:hover{text-decoration:underline}
.article{padding-top:18px}.article p{font-size:1.04rem}.article li{margin:.65rem 0}
.article-meta{display:flex;flex-wrap:wrap;gap:8px 18px;color:#cbd5e1;font-size:.86rem;margin:14px 0}
.checklist,.numbered{padding-left:1.35rem}
.callout,.answer-card{background:#eff6ff;border-color:#bfdbfe}
.answer-lead{font-size:1.18rem!important;line-height:1.5}
.decision-grid{display:grid;grid-template-columns:1fr;gap:12px}.decision-grid div{background:white;border:1px solid #bfdbfe;border-radius:10px;padding:15px}.decision-grid strong,.decision-grid span{display:block}.decision-grid span{margin-top:4px;color:var(--muted)}
.eyebrow.dark{color:#334155;opacity:1}.guide-card{border-left:5px solid var(--accent)}
.table-wrap{overflow-x:auto;margin:14px 0}
table{border-collapse:collapse;width:100%;font-size:.97rem;background:#fff}
th,td{text-align:left;vertical-align:top;border:1px solid var(--border);padding:13px 14px}
th{background:#f1f5f9;font-weight:800}
.faq details{border-top:1px solid var(--border);padding:14px 0}.faq details:last-child{border-bottom:1px solid var(--border)}
.faq summary{font-weight:800;cursor:pointer}.faq details p{margin-bottom:2px;color:#334155}
.sources ul{padding-left:1.3rem}.sources li{margin:.55rem 0}

/* Mobile refinements */
body{overflow-x:hidden}
img,svg{max-width:100%;height:auto}
a{overflow-wrap:anywhere}
.table-wrap{-webkit-overflow-scrolling:touch;scrollbar-width:thin}

@media (max-width:700px){
  .wrap{padding-left:16px;padding-right:16px}

  .site-nav{position:relative}
  .nav-inner{
    min-height:auto;
    padding-top:12px;
    padding-bottom:12px;
    flex-direction:column;
    align-items:stretch;
    gap:10px;
  }
  .brand{
    font-size:1rem;
    line-height:1.2;
  }
  .nav-links{
    width:100%;
    display:grid;
    grid-template-columns:repeat(3,minmax(0,1fr));
    gap:6px;
    align-items:stretch;
  }
  .nav-links a{
    display:flex;
    align-items:center;
    justify-content:center;
    min-height:42px;
    padding:8px 6px;
    border:1px solid var(--border);
    border-radius:9px;
    background:#f8fafc;
    font-size:.78rem;
    line-height:1.15;
    text-align:center;
  }

  .hero{padding:38px 0 30px}
  .article-hero{padding:34px 0 28px}
  h1,
  .article-hero h1{
    font-size:clamp(1.85rem,9vw,2.55rem);
    line-height:1.08;
    margin-top:10px;
    margin-bottom:14px;
  }
  .lead{
    font-size:1.05rem;
    line-height:1.55;
  }
  .eyebrow{
    font-size:.72rem;
    line-height:1.35;
  }
  .disclosure{
    font-size:.82rem;
    line-height:1.45;
  }
  .backlink{margin-bottom:16px}

  main,
  .article{
    padding-left:12px;
    padding-right:12px;
  }
  main{padding-top:18px;padding-bottom:40px}
  .article{padding-top:10px}

  .card{
    padding:18px;
    margin:14px 0;
    border-radius:14px;
    box-shadow:0 4px 14px rgba(15,23,42,.04);
  }
  .guide-card{border-left-width:4px}

  h2{
    font-size:1.35rem;
    line-height:1.25;
  }
  .article p{font-size:1rem}
  .answer-lead{
    font-size:1.06rem!important;
    line-height:1.55;
  }

  .grid,.three{grid-template-columns:1fr}
  .wide{grid-column:auto}
  label{font-size:.95rem}
  input,select{
    width:100%;
    min-height:46px;
    font-size:16px;
  }
  button{
    width:100%;
    min-height:48px;
    margin-top:16px;
  }

  .cta{
    display:block;
    width:100%;
    margin:10px 0 0;
    padding:13px 14px;
    text-align:center;
  }
  .alt{
    display:block;
    width:100%;
    margin:10px 0 0;
    line-height:1.4;
  }

  .table-wrap{
    width:calc(100% + 12px);
    margin-left:0;
    margin-right:-12px;
    overflow-x:auto;
    border:1px solid var(--border);
    border-radius:10px;
    background:#fff;
  }
  .table-wrap table{
    min-width:640px;
    margin:0;
    font-size:.88rem;
  }
  .table-wrap th,
  .table-wrap td{
    padding:10px 11px;
  }

  .checklist,.numbered,.sources ul{
    padding-left:1.15rem;
  }
  .article li{margin:.5rem 0}

  .article-meta{
    flex-direction:column;
    gap:2px;
    font-size:.8rem;
  }

  .decision-grid{gap:9px}
  .decision-grid div{padding:12px}

  .faq summary{
    line-height:1.35;
    padding-right:4px;
  }

  .footer-inner{
    flex-direction:column;
    align-items:flex-start;
    gap:8px;
  }
}

@media (max-width:390px){
  .nav-links{
    grid-template-columns:1fr;
  }
  .nav-links a{
    justify-content:flex-start;
    padding-left:10px;
  }
  .wrap{padding-left:14px;padding-right:14px}
  main,.article{padding-left:10px;padding-right:10px}
  .card{padding:16px}
  h1,.article-hero h1{font-size:1.8rem}
  h2{font-size:1.27rem}
  .table-wrap table{min-width:600px}
}