:root{
    --navy:#0b2545;
    --navy-2:#13315c;
    --red:#d81e2b;
    --red-soft:#fdecee;
    --green:#1f7a4d;
    --green-soft:#e6f4ec;
    --amber:#b7791f;
    --amber-soft:#fff6e0;
    --bg:#f7f8fa;
    --surface:#ffffff;
    --text:#1a2230;
    --muted:#5b6675;
    --line:#e3e7ec;
    --shadow:0 1px 2px rgba(11,37,69,.06),0 8px 24px rgba(11,37,69,.06);
    --radius:14px;
    --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
    --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  }
  @media (prefers-color-scheme:dark){
    :root{
      --bg:#0e1420; --surface:#161d2b; --text:#e8edf4; --muted:#a2adbd; --line:#273143;
      --red-soft:#3a1a1e; --green-soft:#16302a; --amber-soft:#3a2f14;
      --shadow:0 1px 2px rgba(0,0,0,.4),0 8px 24px rgba(0,0,0,.35);
    }
  }
  *{box-sizing:border-box}
  html{scroll-behavior:smooth}
  body{margin:0;font-family:var(--sans);font-size:17px;line-height:1.7;color:var(--text);background:var(--bg)}
  a{color:var(--navy-2)}
  @media (prefers-color-scheme:dark){a{color:#8fb6ff}}
  h1,h2,h3{font-family:var(--serif);line-height:1.2;margin:0 0 .5em;letter-spacing:-.01em}
  h1{font-size:clamp(1.9rem,4.5vw,3rem);font-weight:700}
  h2{font-size:clamp(1.5rem,3vw,2rem);font-weight:700;margin-top:0}
  h3{font-size:1.2rem;font-weight:600;margin-top:1.5em}
  p{margin:0 0 1.1em}
  .wrap{width:min(1080px,100% - 2.5rem);margin-inline:auto}
  .narrow{max-width:760px}

  /* Top bar */
  .topbar{background:var(--navy);color:#fff;font-size:.85rem}
  .topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:1rem;padding:.45rem 0;flex-wrap:wrap}
  .topbar span{opacity:.85}

  /* Header */
  header.site{background:var(--surface);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
  header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.9rem 0}
  .brand{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--text);font-weight:700;font-family:var(--serif);font-size:1.15rem}
  .brand svg{width:34px;height:34px;flex:none}
  nav.main{display:flex;gap:1.25rem;font-size:.92rem;font-weight:500}
  nav.main a{text-decoration:none;color:var(--muted)}
  nav.main a:hover{color:var(--text)}
  .menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:.4rem .6rem;color:var(--text);font:inherit;cursor:pointer}
  @media (max-width:820px){
    nav.main{display:none;position:absolute;left:0;right:0;top:100%;background:var(--surface);border-bottom:1px solid var(--line);flex-direction:column;gap:0;padding:.5rem 1.25rem}
    nav.main a{padding:.7rem 0;border-top:1px solid var(--line)}
    nav.main.open{display:flex}
    .menu-btn{display:inline-block}
  }

  /* Hero */
  .hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 70%,#1c4a8a 100%);color:#fff;padding:3.5rem 0 3rem}
  .hero .wrap{display:grid;grid-template-columns:1.4fr 1fr;gap:2.5rem;align-items:center}
  @media (max-width:820px){.hero .wrap{grid-template-columns:1fr}}
  .eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#ffd166;margin-bottom:1rem}
  .hero p{font-size:1.1rem;color:rgba(255,255,255,.85);max-width:60ch}
  .hero .meta{font-size:.85rem;color:rgba(255,255,255,.65);margin-top:1.25rem}
  .verdict-card{background:#fff;color:var(--text);border-radius:var(--radius);padding:1.5rem;box-shadow:0 20px 50px rgba(0,0,0,.25)}
  @media (prefers-color-scheme:dark){.verdict-card{background:var(--surface)}}
  .verdict-card .label{font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
  .verdict-card .big{font-family:var(--serif);font-size:1.7rem;font-weight:700;color:var(--red);margin:.25rem 0 .75rem;display:flex;align-items:center;gap:.5rem}
  .verdict-card ul{list-style:none;margin:0;padding:0}
  .verdict-card li{display:flex;gap:.6rem;align-items:flex-start;padding:.45rem 0;border-top:1px solid var(--line);font-size:.93rem}
  .verdict-card li svg{flex:none;width:18px;height:18px;margin-top:.25rem}
  .cta-row{display:flex;gap:.75rem;flex-wrap:wrap;margin-top:1.5rem}
  .btn{display:inline-block;padding:.75rem 1.2rem;border-radius:10px;font-weight:600;text-decoration:none;font-size:.95rem}
  .btn-primary{background:#ffd166;color:#1a2230}
  .btn-ghost{border:1.5px solid rgba(255,255,255,.5);color:#fff}

  /* Sections */
  section{padding:3.25rem 0}
  section.alt{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
  .lead{font-size:1.15rem;color:var(--muted)}

  /* Callouts */
  .callout{border-left:5px solid;border-radius:10px;padding:1.1rem 1.3rem;margin:1.5rem 0}
  .callout.warn{background:var(--red-soft);border-color:var(--red)}
  .callout.ok{background:var(--green-soft);border-color:var(--green)}
  .callout.note{background:var(--amber-soft);border-color:var(--amber)}
  .callout p:last-child{margin-bottom:0}
  .callout strong{display:block;margin-bottom:.25rem}

  /* Tables */
  .table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:var(--surface);box-shadow:var(--shadow);margin:1.5rem 0}
  table{width:100%;border-collapse:collapse;font-size:.95rem;min-width:560px}
  th,td{padding:.85rem 1rem;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
  thead th{background:var(--navy);color:#fff;font-weight:600;font-size:.85rem;letter-spacing:.04em;text-transform:uppercase}
  tbody tr:last-child td{border-bottom:0}
  tbody th{font-weight:600;width:34%;background:rgba(11,37,69,.03)}
  @media (prefers-color-scheme:dark){tbody th{background:rgba(255,255,255,.03)}}
  .tag{display:inline-block;padding:.15rem .55rem;border-radius:999px;font-size:.78rem;font-weight:700;margin-right:.35rem;vertical-align:middle}
  .tag-red{background:var(--red-soft);color:var(--red)}
  .tag-green{background:var(--green-soft);color:var(--green)}
  .tag-amber{background:var(--amber-soft);color:var(--amber)}
  .compare td.bad{color:var(--red)}
  .compare td.good{color:var(--green)}

  /* Cards / steps */
  .grid{display:grid;gap:1.25rem;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));margin-top:1.5rem}
  .card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem;box-shadow:var(--shadow)}
  .card h3{margin-top:0}
  .card p:last-child{margin-bottom:0}
  .step{display:flex;gap:1rem;align-items:flex-start;margin:1.25rem 0}
  .step .num{flex:none;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700;font-family:var(--serif);font-size:1.1rem}
  .step h3{margin-top:.3rem}
  .checklist{list-style:none;padding:0;margin:1rem 0}
  .checklist li{padding:.9rem 1rem;border:1px solid var(--line);border-radius:10px;background:var(--surface);margin-bottom:.75rem;display:flex;gap:.8rem}
  .checklist li svg{flex:none;width:22px;height:22px;margin-top:.2rem;color:var(--green)}

  /* FAQ */
  details{background:var(--surface);border:1px solid var(--line);border-radius:12px;margin-bottom:.75rem;padding:0 1.2rem}
  summary{cursor:pointer;font-weight:600;padding:1rem 0;list-style:none;display:flex;justify-content:space-between;gap:1rem;align-items:center}
  summary::-webkit-details-marker{display:none}
  summary::after{content:"+";font-size:1.4rem;color:var(--muted);flex:none}
  details[open] summary::after{content:"–"}
  details p{padding-bottom:1rem;margin:0;color:var(--muted)}

  /* Footer */
  footer{background:var(--navy);color:rgba(255,255,255,.8);padding:2.5rem 0 2rem;font-size:.88rem}
  footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2rem}
  @media (max-width:820px){footer .cols{grid-template-columns:1fr 1fr}}
  @media (max-width:520px){footer .cols{grid-template-columns:1fr}}
  footer h4{color:#fff;margin:0 0 .6rem;font-family:var(--serif)}
  footer a{color:#fff}
  footer ul{list-style:none;padding:0;margin:0}
  footer li{margin-bottom:.4rem}
  .disclaimer{border-top:1px solid rgba(255,255,255,.15);margin-top:2rem;padding-top:1.25rem;font-size:.8rem;color:rgba(255,255,255,.6)}
  .toc{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.2rem 1.4rem;margin:2rem 0}
  .toc strong{display:block;margin-bottom:.5rem;font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
  .toc ol{margin:0;padding-left:1.2rem;columns:2;gap:2rem}
  @media (max-width:600px){.toc ol{columns:1}}
  .toc li{margin:.25rem 0}
  .toc a{text-decoration:none}

  /* Subpages */
  .page-hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 70%,#1c4a8a 100%);color:#fff;padding:3rem 0 2.5rem}
  .page-hero p{color:rgba(255,255,255,.8);max-width:60ch;margin:0}
  .breadcrumb{font-size:.85rem;color:rgba(255,255,255,.65);margin-bottom:.75rem}
  .breadcrumb a{color:#fff;text-decoration:none}
  .breadcrumb span{margin:0 .4rem}
  .content h2{font-size:1.45rem;margin-top:2rem}
  .content ul{padding-left:1.3rem}
  .content li{margin-bottom:.4rem}
  .updated{font-size:.85rem;color:var(--muted);margin-bottom:1.5rem}
  form.contact{display:grid;gap:1rem;max-width:560px;margin-top:1.5rem}
  form.contact label{display:grid;gap:.35rem;font-weight:600;font-size:.92rem}
  form.contact input,form.contact textarea,form.contact select{font:inherit;padding:.7rem .85rem;border:1px solid var(--line);border-radius:10px;background:var(--surface);color:var(--text);width:100%}
  form.contact textarea{min-height:150px;resize:vertical}
  form.contact button{justify-self:start;background:var(--navy);color:#fff;border:0;border-radius:10px;padding:.8rem 1.4rem;font:inherit;font-weight:600;cursor:pointer}
  .related{margin-top:2.5rem;padding-top:1.5rem;border-top:1px solid var(--line)}
  .related h2{font-size:1.1rem;margin:0 0 .6rem}
  .related ul{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.5rem}
  .related a{display:inline-block;padding:.4rem .8rem;border:1px solid var(--line);border-radius:999px;text-decoration:none;font-size:.9rem;background:var(--surface)}