:root{--navy:#061c3b;--navy-2:#0a2e57;--navy-3:#123e6b;--cyan:#18bff2;--cyan-soft:#dff6ff;--cyan-line:#75dafa;--ink:#152233;--muted:#5d6c7a;--paper:#f6f8fb;--line:#dfe6ee;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.62}a{color:#087ca8;text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:#055a7b}.wrap{width:min(1120px,calc(100% - 32px));margin:auto}.site-header{position:relative;z-index:10;background:#fff;border-bottom:3px solid var(--cyan)}.nav{display:flex;align-items:center;justify-content:space-between;min-height:88px;gap:26px;padding-top:7px;padding-bottom:7px}.brand{display:flex;align-items:center;gap:14px;color:var(--navy);min-width:0;flex:0 1 auto}.brand-logo-link{display:flex;align-items:center;flex:0 0 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10px;font-weight:800;color:var(--navy)}.hero{padding:84px 0 60px;background:linear-gradient(145deg,var(--navy) 0%,#09294e 60%,#0b4166 100%);color:white;position:relative;overflow:hidden}.hero:after{content:"";position:absolute;right:-180px;top:-220px;width:520px;height:520px;border-radius:50%;border:1px solid rgba(24,191,242,.2);box-shadow:0 0 0 70px rgba(24,191,242,.03),0 0 0 140px rgba(24,191,242,.025);pointer-events:none}.hero .wrap{position:relative;z-index:1}.eyebrow{display:inline-block;text-transform:uppercase;letter-spacing:.13em;font-weight:850;font-size:.76rem;color:#6fdcff;margin-bottom:12px}.hero h1{max-width:850px;margin:0 0 20px;font-size:clamp(2.3rem,5vw,4.6rem);line-height:1.05;letter-spacing:-.045em}.hero p{max-width:720px;font-size:1.16rem;color:#d9e8f3;margin:0 0 30px}.actions{display:flex;gap:12px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:8px;padding:12px 17px;text-decoration:none;font-weight:850;border:1px solid transparent;cursor:pointer;font-size:.98rem}.btn-primary{background:var(--cyan);color:#03223a}.btn-primary:hover{background:#65d9fb;color:#03223a}.btn-secondary{background:transparent;color:white;border-color:#6f8ca8}.btn-secondary:hover{background:#ffffff12;color:#fff}.btn-light{background:white;color:var(--navy);border-color:#d7e2eb}.btn-light:hover{color:#087ca8;border-color:#a7dff0}.btn-small{padding:9px 12px;font-size:.9rem}.chips{display:flex;gap:9px;flex-wrap:wrap;margin-top:32px}.chip{border:1px solid #ffffff32;background:#ffffff0c;border-radius:999px;padding:7px 11px;color:#eef8fc;font-size:.86rem}.section{padding:66px 0}.section-white{background:white}.section-dark{background:var(--navy);color:white}.section h2{font-size:clamp(1.8rem,3vw,2.65rem);line-height:1.15;letter-spacing:-.03em;margin:0 0 14px}.section-intro{max-width:720px;color:var(--muted);margin:0 0 34px}.section-dark .section-intro{color:#c5d6e4}.grid{display:grid;gap:18px}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-2{grid-template-columns:repeat(2,1fr)}.card{background:white;border:1px solid var(--line);border-radius:12px;padding:24px;box-shadow:0 6px 24px rgba(6,28,59,.045)}.card h3{margin:0 0 10px;font-size:1.16rem}.card p{margin:0 0 14px;color:var(--muted)}.card .kicker{font-size:.74rem;text-transform:uppercase;letter-spacing:.09em;font-weight:850;color:#087fae}.card-link{color:#087ca8;font-weight:850;text-decoration:none}.number{display:grid;place-items:center;width:38px;height:38px;border-radius:8px;background:var(--cyan-soft);color:#06698e;font-weight:900;margin-bottom:16px;border:1px solid #bfeafa}.compare-wrap{overflow:auto;border:1px solid var(--line);border-radius:12px;background:#fff}table{border-collapse:collapse;width:100%;min-width:760px}th,td{text-align:left;padding:14px 16px;border-bottom:1px solid #e6edf3;vertical-align:top}th{background:#f0f5f9;color:#263b50;font-size:.88rem}tr:last-child td{border-bottom:0}.yes{font-weight:800;color:#08735b}.partial{font-weight:800;color:#9a6500}.no{font-weight:800;color:#9b3131}.callout{border-left:4px solid var(--cyan);background:#edf9fd;padding:18px 20px;border-radius:0 9px 9px 0;margin:28px 0}.callout strong{display:block;margin-bottom:4px;color:var(--navy)}.guide-hero{padding:55px 0 42px;background:linear-gradient(180deg,#eef7fc 0%,#f5f8fb 100%);border-bottom:1px solid #d7e5ef;position:relative}.guide-hero:before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;background:var(--cyan)}.guide-hero h1{font-size:clamp(2.15rem,4vw,3.6rem);line-height:1.08;letter-spacing:-.04em;max-width:900px;margin:0 0 17px;color:#101d2d}.guide-hero p{max-width:780px;font-size:1.08rem;color:#526577}.meta{display:flex;gap:12px;flex-wrap:wrap;color:#687b8b;font-size:.88rem;margin-top:20px}.article{padding:52px 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13px;font-size:1.04rem}.options{display:grid;grid-template-columns:repeat(2,1fr);gap:9px}.option{display:flex;align-items:center;gap:8px;border:1px solid #d6e1ea;border-radius:8px;padding:10px 11px;cursor:pointer;background:#fff}.option:hover{border-color:#65ccec;background:#f8fdff}.option input{accent-color:#079ecf}.result-panel{position:static;background:linear-gradient(155deg,var(--navy) 0%,#0b335b 100%);color:white;border-radius:13px;padding:23px;box-shadow:0 12px 30px rgba(6,28,59,.12)}.result-panel h2{font-size:1.45rem;margin:0 0 8px}.result-panel p{color:#ceddea}.result-card{background:white;color:var(--ink);border-radius:9px;padding:17px;margin-top:13px}.result-card h3{margin:0 0 6px}.score{font-size:.78rem;font-weight:850;color:#077ba5;text-transform:uppercase;letter-spacing:.06em}.why{font-size:.88rem;color:#556a78;margin:8px 0 12px}.subtle{font-size:.84rem;color:#718492}.footer{background:#04162f;color:#c9d7e4;padding:48px 0 30px;border-top:4px solid var(--cyan)}.footer-grid{display:grid;grid-template-columns:1.55fr 1fr 1fr;gap:32px}.footer h3{color:white;font-size:1rem;margin:0 0 10px}.footer a{color:#d3e4ef}.footer a:hover{color:#76dcfb}.footer p{margin:6px 0;color:#b8c9d7}.footer-logo{width:210px!important;height:105px!important;max-width:210px!important;max-height:105px!important;object-fit:contain;display:block;margin-bottom:14px;border-radius:3px}.footer-brand strong{color:white}.footer-bottom{border-top:1px solid #29415c;margin-top:30px;padding-top:18px;font-size:.85rem;color:#90a7b9}.breadcrumbs{font-size:.87rem;color:#65798a;margin-bottom:16px}.breadcrumbs a{color:#47677d}.tool-banner{background:#e9f8fd;border:1px solid #b8e9f7;border-radius:12px;padding:24px;display:flex;justify-content:space-between;gap:20px;align-items:center;margin:30px 0}.tool-banner h3{margin:0 0 4px;color:var(--navy)}.tool-banner p{margin:0;color:#4b6575}.faq details{background:#fff;border:1px solid #dde7ef;border-radius:9px;padding:15px 17px;margin-bottom:10px}.faq summary{cursor:pointer;font-weight:800}.legal h2{font-size:1.4rem}.notice{padding:12px 14px;border-radius:8px;background:#fff5d8;border:1px solid #edd890;color:#634d00}.source-list{font-size:.91rem}.source-list li{margin-bottom:10px}.highlight{background:#e5f7fd;padding:2px 5px;border-radius:4px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}@media(max-width:930px){.brand-tool{display:none}.brand-logo{width:138px!important;height:69px!important;max-width:138px!important;max-height:69px!important;flex-basis:138px}.nav{min-height:82px}.nav-links{gap:16px}.nav-links a{font-size:.89rem}}@media(max-width:850px){.grid-3,.grid-2,.selector-shell,.footer-grid{grid-template-columns:1fr}.result-panel{position:static}.nav-toggle{display:block}.nav-links{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:3px solid var(--cyan);padding:17px 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