:root{scroll-behavior:smooth;scroll-padding-top:24px}.hero{grid-template-columns:1.4fr 1fr;gap:44px}.hero h1{font-size:clamp(30px,3.8vw,46px)}.feature-index{border-top:4px solid var(--blue);padding:25px 0;align-self:center}.feature-index>a{display:flex;gap:20px;padding:19px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink);font-weight:700}.feature-index b{font-size:14px;color:var(--blue)}.feature-index small{display:block;color:var(--muted);font-weight:400;font-size:14px}.topic-nav{display:grid;grid-template-columns:repeat(5,1fr);margin:30px 0 40px;border:1px solid var(--line)}.topic-nav a{padding:15px;text-decoration:none;font-weight:700;color:var(--ink);border-right:1px solid var(--line)}.topic-nav a:last-child{border:0}.topic-nav span{display:block;font-size:13px;font-weight:400;color:var(--muted)}.section-title{justify-content:space-between}.section-title a{font-size:14px}.card{display:flex;flex-direction:column}.card .read-link{margin-top:auto;color:var(--blue);font-size:14px;font-weight:700}.tool-section{background:var(--paper);padding:20px 28px 34px;margin:48px -28px}.tool-card{display:block;text-decoration:none;color:var(--ink);background:white;padding:26px;border-top:3px solid var(--blue)}.tool-card span{font-size:13px;color:var(--blue);font-weight:700}.tool-card p{font-size:15px;color:var(--muted)}.tool-card:hover{box-shadow:0 4px 20px #14293c12}.editor-note{max-width:780px;border-top:1px solid var(--line);margin:60px 0;padding-bottom:20px}.editor-note h2{font-size:23px}.page-heading{padding:40px 0 12px}.page-heading h1{font-size:clamp(30px,4vw,42px)}.article-layout{display:grid;grid-template-columns:minmax(0,780px) 240px;gap:48px}.article-layout .article{margin:38px 0 60px;width:100%;min-width:0}.article-aside{margin-top:80px;align-self:start;position:sticky;top:24px}.article-aside h2{font-size:18px;margin:12px 0}.article-aside>a{display:block;border-top:1px solid var(--line);padding:18px 0;font-size:14px;color:var(--ink);text-decoration:none}.article-aside .aside-tool{background:var(--paper);padding:18px;margin-top:22px;color:var(--blue);font-weight:700}.crumb{display:flex;gap:10px}.toc{background:var(--paper);padding:20px 24px;margin:28px 0}.toc summary{font-weight:700;cursor:pointer}.toc ol{padding-left:22px;margin-bottom:0}.toc a{color:var(--ink);font-size:15px}.table-wrap{overflow-x:auto;margin:24px 0;max-width:100%}table{border-collapse:collapse;width:100%;font-size:15px}th,td{padding:14px;text-align:left;vertical-align:top;border:1px solid var(--line);min-width:110px}thead{background:var(--ink);color:white}tbody tr:nth-child(even){background:var(--paper)}blockquote{margin:24px 0;padding:6px 22px;background:var(--paper);border-left:4px solid var(--blue)}.next-action{padding:26px;border:1px solid var(--line);margin-top:40px}.next-action>a{display:inline-block;margin-right:20px}.compare-assumptions,.compare-inputs{display:grid;grid-template-columns:1fr 1fr;gap:28px}.compare-assumptions{background:var(--paper);padding:22px;margin:20px 0}.compare-inputs fieldset{margin:0;padding:24px;border:1px solid var(--line)}legend{padding:0 10px;font-size:20px;font-weight:700}form label{display:block;font-size:15px;margin:12px 0 20px}form input,form select{display:block;width:100%;max-width:100%;font:inherit;padding:10px;border:1px solid #8597aa;background:#fff;color:var(--ink);border-radius:3px}.compare-result{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;background:var(--ink);color:white;padding:28px;margin:26px 0}.compare-result strong{display:block;font-size:32px}.compare-result p{grid-column:1/-1;margin:0}.demo-layout{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;margin:20px 0 50px}.demo-layout h2{font-size:24px;margin-top:0}.text-button{background:none;border:0;color:var(--blue);font:inherit;text-decoration:underline;cursor:pointer;padding:12px}.result #demo-summary{border-top:1px solid #ffffff40;margin-top:22px}.result #demo-summary p{overflow-wrap:anywhere}footer p{font-size:13px;margin:6px 0}[hidden]{display:none!important}@media(max-width:900px){header .wrap{flex-direction:column;align-items:flex-start;padding-top:20px;padding-bottom:20px}.article-layout{grid-template-columns:minmax(0,1fr)}.article-aside{position:static;margin:0 0 40px}.topic-nav{grid-template-columns:repeat(3,1fr)}.topic-nav a{border-bottom:1px solid var(--line)}}@media(max-width:720px){.hero{grid-template-columns:1fr}.topic-nav{grid-template-columns:repeat(2,1fr)}.tool-section{padding:10px 20px 25px;margin:25px -20px}.tool-section .grid{gap:18px}.compare-assumptions,.compare-inputs,.demo-layout{grid-template-columns:1fr;gap:18px}.compare-result{grid-template-columns:1fr;padding:22px}.compare-result>div{border-bottom:1px solid #ffffff30;padding-bottom:12px}.compare-result strong{font-size:30px}.next-action>a{display:block;margin-top:12px}.toc{padding:16px}.article-layout .article{margin-top:22px}}@media(prefers-reduced-motion:reduce){:root{scroll-behavior:auto}}
:root{--blue:#195b68}.shop-photo{margin:0 0 20px}.shop-photo img{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover;border-radius:10px}.shop-photo figcaption{font-size:11px;color:var(--muted);margin-top:6px}.feature-index{border-top:0;padding-top:0}.feature-index>a{padding:12px 0}.article-photo{margin:24px 0}.real-compare{padding:24px 28px;background:#f1f6f5;border-radius:12px}.real-compare h2{margin:0;font-size:22px}.real-compare .compare-assumptions{padding:0;background:none;gap:24px;margin:0}.preset-buttons{display:flex;align-items:center;flex-wrap:wrap;gap:8px;font-size:13px}.preset-buttons button{font:inherit;border:1px solid #8ba7a8;background:white;border-radius:20px;padding:8px 14px;cursor:pointer;color:var(--ink)}.preset-buttons button:hover{background:#deebeb}.comparison-verdict{font-weight:700;margin:32px 0 20px;font-size:18px}.plan-results{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.plan-result{padding:26px;border:1px solid #c7d9d9;border-top:4px solid var(--blue);border-radius:8px;background:white;min-width:0}.plan-result h2{font-size:20px;line-height:1.6;margin:0 0 20px;min-height:64px}.monthly-label{font-size:13px;color:var(--muted);margin-bottom:0}.plan-total{font-size:38px;letter-spacing:-1px;color:#195b68}.cost-bar{display:flex;height:9px;background:#eef3f3;border-radius:5px;overflow:hidden;margin:16px 0}.fixed-bar{background:#195b68}.variable-bar{background:#66aaa5}.plan-detail,.plan-year{font-size:14px;margin:8px 0}.plan-result details{border-top:1px solid var(--line);margin-top:20px;padding-top:14px;font-size:14px}.plan-result summary{cursor:pointer;font-weight:700}.decision-section{margin:50px 0}.card{border-radius:8px}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #c37924;outline-offset:4px}@media(max-width:720px){.plan-results{grid-template-columns:1fr}.plan-result h2{min-height:0}.real-compare{padding:20px}.plan-total{font-size:34px}.hero{gap:24px}.hero .feature-index{max-width:100%}}
.ad-notice{margin:18px 0 0;padding:10px 14px;background:#f5f1e7;border-left:3px solid #a66a1a;font-size:13px;color:#514733}.ad-notice a{margin-left:12px;color:inherit}.affiliate-section{border:1px solid #c7d9d9;border-radius:10px;margin:36px 0;padding:24px;background:#f4f8f7}.affiliate-section h2{margin:0 0 16px;font-size:22px}.affiliate-options{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,260px),1fr));gap:24px}.affiliate-options article{min-width:0}.affiliate-options p{font-size:15px}.ad-label{font-weight:700;color:#675123;font-size:12px!important}.affiliate-link a{display:inline-block;padding:12px 16px;background:#195b68;color:white;border-radius:5px;font-size:15px;font-weight:700;line-height:1.7;text-decoration:none}.affiliate-link a:hover{background:#103f48}.affiliate-link img{width:1px!important;height:1px!important;max-width:1px!important;border:0!important}.affiliate-section .meta{margin-bottom:0}.article .affiliate-section h2{border-bottom:0;padding-bottom:0}@media(max-width:720px){.affiliate-section{padding:18px}.ad-notice a{display:block;margin:4px 0 0}}

/* Editorial illustrations 2026-09-28 */
.editorial-visual{margin:26px 0}.editorial-visual img{display:block;width:100%;height:auto;border-radius:14px}.editorial-visual figcaption{font-size:12px;line-height:1.7;color:#59685e;margin-top:8px}.editorial-diagram{margin:28px 0}.editorial-diagram img{width:100%;height:auto}.editorial-diagram figcaption{font-size:12px;color:#59685e}.editorial-summary{padding:20px;background:#edf0e7;border-left:3px solid #476351;margin:24px 0}

.editorial-visual figcaption,.editorial-diagram figcaption{position:static;inset:auto;background:transparent;padding:0;color:#59685e}