:root{--navy:#10213d;--accent:#168943;--ink:#13233a;--muted:#56657b;--line:#e0e7ea;--soft:#f3f7f5}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:#fff;font:16px/1.68 system-ui,-apple-system,"Segoe UI",sans-serif}a{color:#126b38}a:hover{text-decoration-thickness:2px}a:focus-visible{outline:3px solid #3d9b60;outline-offset:4px}.wrap{width:min(1080px,calc(100% - 38px));margin:auto}.top{background:var(--navy);padding:15px 0;color:white}.top .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px}.top a{color:#fff;text-decoration:none;font-weight:800}.brand{font-size:20px;letter-spacing:-.035em}.brand span{color:#8cea9c}.navlinks{display:flex;gap:18px;align-items:center;font-size:13px;flex-wrap:wrap}.navlinks .action{background:#20a653;border-radius:10px;padding:8px 13px;color:white}.breadcrumbs{font-size:13px;color:var(--muted);padding-top:26px}.breadcrumbs a{color:var(--muted)}.hero{background:linear-gradient(140deg,#f2f8f3,#fff 60%);border-bottom:1px solid var(--line)}.hero-inner{padding:28px 0 43px;max-width:810px}.eyebrow{font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.1em;color:var(--accent)}h1,h2,h3{color:var(--navy);line-height:1.15;letter-spacing:-.035em}h1{font-size:clamp(37px,6vw,58px);margin:14px 0 16px}h2{font-size:clamp(24px,4vw,31px);margin:0 0 15px}h3{font-size:20px;margin:0 0 8px}.lead{font-size:18px;max-width:780px;color:#46556c;margin:0 0 22px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 19px;border-radius:12px;background:#168943;color:white;text-decoration:none;font-weight:850;line-height:1.25}.btn:hover{background:#0c6e32;color:#fff}.hero-note{display:block;font-size:13px;color:var(--muted);margin:9px 0 0}.layout{display:grid;grid-template-columns:minmax(0,760px) minmax(190px,1fr);gap:44px;padding:38px 0 65px}.article section{padding:0 0 26px;margin-bottom:29px;border-bottom:1px solid var(--line)}.article section:last-child{border-bottom:0}.article p{margin:0 0 14px}.article ul,.article ol{padding-left:24px;margin:10px 0}.article li{margin:7px 0}.side{align-self:start;position:sticky;top:22px}.sidebox{background:var(--soft);border:1px solid var(--line);padding:18px;border-radius:17px}.sidebox h2{font-size:20px}.sidebox a{display:block;padding:10px 0;border-bottom:1px solid var(--line);font-size:14px;line-height:1.4}.sidebox a:last-child{border:0}.formula{border-left:4px solid #20a653;background:#f0f8f2;padding:17px 19px;margin:18px 0;border-radius:0 12px 12px 0}.formula p{font-size:14px;margin:6px 0 0}.compare{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:12px 0}.compare>div{background:var(--soft);border-radius:14px;padding:17px}.compare p{font-size:14px;margin:7px 0 0}.bottom-cta{padding:28px;background:var(--navy);color:#e2eaf0;border-radius:18px}.bottom-cta h2{color:white}.bottom-cta p{margin:0 0 20px}.more{margin-top:30px}.guidegrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.guidecard{display:block;border:1px solid var(--line);border-radius:15px;padding:22px;text-decoration:none;background:white;color:var(--ink)}.guidecard:hover{background:var(--soft);border-color:#98c7a7}.guidecard h2{font-size:23px;margin:7px 0}.guidecard p{color:var(--muted);font-size:14px;margin:0}.guidecard span{font-weight:800;font-size:13px;color:var(--accent)}.narrow{max-width:800px;padding:34px 0 68px}footer{background:var(--navy);color:#b8c5d7;padding:27px 0;font-size:13px}footer a{color:white}footer .wrap{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}footer .links{display:flex;gap:17px;flex-wrap:wrap}@media(max-width:790px){.layout{display:block;padding:27px 0 46px}.side{position:static;margin:0 0 28px}.article{margin-bottom:28px}.compare,.guidegrid{grid-template-columns:1fr}.navlinks{gap:11px}.navlinks .action{padding:8px 10px}.brand{font-size:17px}}@media(max-width:375px){.navlinks{font-size:12px}.brand{font-size:16px}}