:root{--bg: #fbfaf7;--surface: #ffffff;--ink: #1d232b;--muted: #5b6573;--line: #e4e1da;--brand: #1f5f4a;--brand-ink: #ffffff;--accent: #c7742b;--soft: #eef4f1;--warn: #fff6e5;--radius: 10px;--wrap: 1120px;--read: 720px;--font: ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;--serif: "Iowan Old Style", "Palatino Linotype", Palatino, Georgia, serif;color-scheme:light}@media(prefers-color-scheme:dark){:root{--bg: #12161b;--surface: #1a2027;--ink: #e8ecf0;--muted: #a2adba;--line: #2c343e;--brand: #4fb08c;--brand-ink: #0b1a14;--accent: #e59a55;--soft: #18302a;--warn: #2e2618;color-scheme:dark}}*,*:before,*:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.65 var(--font)}img{max-width:100%;height:auto}a{color:var(--brand);text-underline-offset:2px}a:hover{text-decoration-thickness:2px}h1,h2,h3{line-height:1.25;letter-spacing:-.01em}h1{font-family:var(--serif);font-size:clamp(1.9rem,4vw,2.6rem);margin:.3em 0 .4em}h2{font-size:1.45rem;margin:2em 0 .6em}h3{font-size:1.15rem;margin:1.6em 0 .4em}.wrap{max-width:var(--wrap);margin:0 auto;padding:0 16px}.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:8px;background:var(--surface);padding:8px;z-index:10}.site-header{background:var(--surface);border-bottom:1px solid var(--line)}.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px;flex-wrap:wrap}.logo{font-weight:800;font-size:1.2rem;color:var(--ink);text-decoration:none;letter-spacing:-.02em}.logo span{color:var(--brand)}.nav{display:flex;gap:18px;flex-wrap:wrap;font-size:.95rem}.nav a{color:var(--muted);text-decoration:none}.nav a:hover{color:var(--ink)}.site-footer{margin-top:64px;border-top:1px solid var(--line);background:var(--surface);font-size:.92rem;color:var(--muted)}.site-footer .wrap{padding:32px 16px;display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}.site-footer h4{color:var(--ink);margin:0 0 8px;font-size:.95rem}.site-footer ul{list-style:none;margin:0;padding:0}.site-footer li{margin:4px 0}.site-footer a{color:var(--muted)}.fine{font-size:.85rem;color:var(--muted)}.crumbs{font-size:.88rem;color:var(--muted);margin-top:20px}.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:6px}.crumbs li+li:before{content:"›";margin-right:6px}.crumbs a{color:var(--muted)}.article-grid{display:grid;grid-template-columns:minmax(0,var(--read)) 300px;gap:48px;justify-content:center}@media(max-width:1000px){.article-grid{grid-template-columns:minmax(0,1fr)}.sidebar{display:none}}.prose{min-width:0}.prose p,.prose li{max-width:70ch}.prose table{width:100%;border-collapse:collapse;margin:1.2em 0;font-size:.95rem}.prose th,.prose td{border-bottom:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}.prose th{background:var(--soft);font-weight:650}.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}.cite-group{font-size:.72em;line-height:0;white-space:nowrap}.cite-group a{text-decoration:none}.byline{display:flex;flex-wrap:wrap;gap:6px 18px;font-size:.9rem;color:var(--muted);margin-bottom:20px}.byline strong{color:var(--ink);font-weight:600}.badge{display:inline-flex;align-items:center;gap:6px;background:var(--soft);color:var(--brand);border-radius:999px;padding:2px 10px;font-size:.82rem;font-weight:600}.cost-box{background:var(--surface);border:1px solid var(--line);border-top:4px solid var(--brand);border-radius:var(--radius);padding:20px 22px;margin:8px 0 28px}.cost-box .label{font-size:.82rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);font-weight:650}.cost-box .big{font-size:clamp(1.8rem,5vw,2.4rem);font-weight:800;letter-spacing:-.02em;margin:2px 0}.cost-box .unit{font-size:1rem;font-weight:500;color:var(--muted)}.cost-box .typical{font-size:1.05rem}.cost-box .basis{color:var(--muted);font-size:.92rem;margin:8px 0 0}.cost-box .checked{margin-top:12px;font-size:.85rem;color:var(--muted)}.cost-table caption{text-align:left;font-weight:700;padding:0 0 6px;caption-side:top}.cost-table td.num,.cost-table th.num{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}.cost-table .note{display:block;color:var(--muted);font-size:.85rem}.table-src{font-size:.82rem;color:var(--muted);margin-top:-.6em}.factors{display:grid;gap:12px;padding:0;list-style:none}.factors li{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:12px 16px;max-width:none}.factors strong{display:block}.faq details{border-bottom:1px solid var(--line);padding:12px 0}.faq summary{cursor:pointer;font-weight:650}.faq details p{margin:8px 0 0}.sources ol{padding-left:1.4em;font-size:.92rem}.sources li{margin:6px 0;word-break:break-word}.sources li:target{background:var(--warn)}.sources .acc{color:var(--muted)}.editor-card{display:flex;gap:16px;align-items:flex-start;background:var(--soft);border-radius:var(--radius);padding:18px;margin-top:36px}.editor-card .avatar{flex:0 0 56px;height:56px;border-radius:50%;background:var(--brand);color:var(--brand-ink);display:grid;place-items:center;font-weight:800;font-size:1.3rem;overflow:hidden}.editor-card p{margin:4px 0 0;font-size:.93rem}.ad-slot{margin:28px 0;min-height:250px;display:flex;align-items:center;justify-content:center}.ad-slot.placeholder{border:2px dashed var(--line);color:var(--muted);font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;border-radius:var(--radius)}.ad-slot.sidebar-slot{min-height:600px}.ad-label{display:block;font-size:.7rem;color:var(--muted);text-align:center}.cta{background:var(--brand);color:var(--brand-ink);border-radius:var(--radius);padding:22px;margin:28px 0}.cta h3{margin:0 0 6px;color:inherit}.cta p{margin:0 0 14px;opacity:.92}.cta a.btn{display:inline-block;background:var(--accent);color:#fff;padding:10px 18px;border-radius:8px;font-weight:700;text-decoration:none}.cta .disclose{display:block;margin-top:10px;font-size:.78rem;opacity:.8}.sidebar .sticky{position:sticky;top:20px;display:grid;gap:20px}.toc{font-size:.9rem;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:14px 16px}.toc ul{list-style:none;padding:0;margin:6px 0 0}.toc li{margin:4px 0}.toc a{color:var(--muted);text-decoration:none}.toc a:hover{color:var(--brand)}.hero{padding:48px 0 24px}.hero p{font-size:1.15rem;color:var(--muted);max-width:60ch}.trust-row{display:flex;flex-wrap:wrap;gap:10px;margin:16px 0 0}.grid{display:grid;gap:16px;grid-template-columns:repeat(auto-fill,minmax(260px,1fr))}.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:18px;text-decoration:none;color:var(--ink);display:block;transition:border-color .15s}.card:hover{border-color:var(--brand)}.card h3{margin:0 0 6px;font-size:1.05rem}.card .price{font-weight:750;color:var(--brand)}.card .meta{font-size:.82rem;color:var(--muted);margin-top:6px}.section-title{display:flex;justify-content:space-between;align-items:baseline;gap:12px}.page{max-width:var(--read);margin:0 auto}.page .lead{font-size:1.1rem;color:var(--muted)}.callout{background:var(--warn);border-radius:var(--radius);padding:14px 18px;font-size:.93rem}@media(max-width:640px){.prose>table{display:block;overflow-x:auto}}
