:root{--p:#1A4F7A;--a:#00B4D8;--l:#1A4F7A;--m:#7F8C8D}*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}body{font-family:'Segoe UI',Roboto,-apple-system,BlinkMacSystemFont,'Helvetica Neue',sans-serif;line-height:1.82;color:#333;background:#f5f9fa;-webkit-font-smoothing:antialiased}.accent-bar{height:3px;background:var(--a)}.wrap{max-width:780px;margin:0 auto;padding:0 24px}header{background:#fff;border-bottom:2px solid color-mix(in srgb,var(--p) 12%,#e8e8e8);padding:20px 0}header .wrap{display:flex;align-items:center;justify-content:space-between}header a.logo{color:var(--p);text-decoration:none;font-weight:700;font-size:1.15em;letter-spacing:-.01em;display:flex;align-items:center}header a.logo span{color:var(--a)}nav.site-nav{background:var(--p);padding:0;border-bottom:3px solid var(--a);display:flex;align-items:center}nav.site-nav .nav-inner{flex:1;max-width:780px;margin:0 auto;padding:4px 16px;display:flex;gap:8px;align-items:center;flex-wrap:nowrap}nav.site-nav .nav-link{color:rgba(255,255,255,.9);padding:9px 13px;font-size:.88em;font-weight:500;text-decoration:none;transition:all .15s;display:flex;align-items:center;border-radius:6px;white-space:nowrap}nav.site-nav .nav-link:hover{background:rgba(255,255,255,.15);color:#fff}nav.site-nav .nav-link.active{color:#fff;font-weight:600;background:rgba(255,255,255,.2)}.nav-item{position:relative;display:flex;align-items:stretch;flex-shrink:0}.nav-top{color:rgba(255,255,255,.9);padding:9px 13px;font-size:.88em;font-weight:500;display:flex;align-items:center;transition:all .15s;text-decoration:none;border-radius:6px;white-space:nowrap;background:none;border:none;cursor:pointer;font-family:inherit}.nav-item:hover .nav-top,.nav-item.dd-open .nav-top{background:rgba(255,255,255,.15);color:#fff}.nav-item.active .nav-top{color:#fff;font-weight:600;background:rgba(255,255,255,.2)}.nav-dropdown{display:none;position:absolute;top:calc(100% + 3px);left:0;background:#fff;border:1px solid rgba(0,0,0,.12);border-radius:6px;box-shadow:0 6px 18px rgba(0,0,0,.14);min-width:210px;z-index:200}.nav-item:hover .nav-dropdown,.nav-item.dd-open .nav-dropdown{display:block}.nav-dropdown a{display:block;padding:10px 18px;font-size:.88em;color:var(--p);text-decoration:none;white-space:nowrap;transition:background .12s;font-weight:500}.nav-dropdown a:hover{background:rgba(0,0,0,.05);color:var(--p)}.nav-dropdown a:first-child{border-radius:6px 6px 0 0}.nav-dropdown a:last-child{border-radius:0 0 6px 6px}.hamburger{display:none;background:none;border:none;padding:10px 16px;cursor:pointer;margin-left:auto;flex-shrink:0}.hamburger span{display:block;width:22px;height:2px;background:rgba(255,255,255,.9);margin:5px 0;transition:transform .2s}@media(max-width:700px){nav.site-nav{flex-wrap:wrap}.hamburger{display:flex;flex-direction:column;justify-content:center}nav.site-nav .nav-inner{flex-basis:100%;order:2;flex-direction:column;display:none;padding:0 16px 12px;gap:0}nav.site-nav .nav-inner.open{display:flex}.nav-link,.nav-top{padding:13px 4px;border-bottom:1px solid rgba(255,255,255,.1);width:100%;border-radius:0;justify-content:flex-start}.nav-item{flex-direction:column;width:100%;flex-shrink:unset}.nav-dropdown{position:static;box-shadow:none;border:none;border-radius:0;display:none;background:rgba(0,0,0,.18)}.nav-item.mob-open .nav-dropdown{display:block}.nav-dropdown a{padding:10px 0 10px 20px;border-bottom:1px solid rgba(255,255,255,.08);color:rgba(255,255,255,.85);border-radius:0}}.content-wrap{max-width:700px;margin:0 auto;padding:0 24px}nav.breadcrumb{padding:14px 0;font-size:.84em;color:#999}nav.breadcrumb a{color:var(--l);text-decoration:none}nav.breadcrumb a:hover{color:var(--p);text-decoration:underline}article{padding:36px 0 24px;font-size:1.04em}h1{font-size:1.85em;line-height:1.25;margin-bottom:14px;letter-spacing:-.02em;color:#1a1a1a;font-weight:700}.author{display:flex;align-items:center;gap:12px;margin-bottom:20px}.author-avatar{width:44px;height:44px;border-radius:50%;object-fit:cover;flex-shrink:0}.author-info{line-height:1.35}.author-name{font-size:.9em;font-weight:600;color:#1a1a1a}.author-role{font-size:.8em;color:#999}.meta{color:#999;font-size:.84em;margin-bottom:28px;padding-bottom:18px;border-bottom:1px solid #e0ebe8}.affiliate-disclosure{background:#f0faf7;border:1px solid #d0e8e0;border-radius:8px;padding:12px 16px;margin-bottom:24px;font-size:.82em;color:#666;line-height:1.55}.affiliate-disclosure strong{color:#555}article h2{font-size:1.35em;margin:44px 0 16px;color:#1a1a1a;letter-spacing:-.01em;font-weight:600}article h3{font-size:1.12em;margin:32px 0 12px;color:#444;font-weight:600}article p{margin-bottom:20px;color:#444}article ul,article ol{margin:0 0 20px 20px}article li{margin-bottom:10px;color:#444}article li::marker{color:#b0b8b0}article a{color:var(--l);text-decoration:underline;text-decoration-color:rgba(0,131,143,.3);text-underline-offset:2px}article a:hover{text-decoration-color:var(--l)}article strong{font-weight:600;color:#1a1a1a}article blockquote{border-left:3px solid var(--a);margin:28px 0;padding:16px 24px;color:#555;background:#f0faf7;border-radius:0 8px 8px 0;font-style:normal}article table{width:100%;border-collapse:collapse;margin:24px 0;font-size:.93em}article th,article td{padding:12px 16px;border-bottom:1px solid #e0ebe8;text-align:left}article th{font-weight:600;background:#eef5f3;color:#1a1a1a}.toc{border-left:3px solid var(--a);background:#f0faf7;padding:20px 26px;margin-bottom:36px;border-radius:0 8px 8px 0}.toc .toc-title{font-size:.9em;font-weight:700;color:#1a1a1a;margin-bottom:10px}.toc ol{margin:0;padding:0 0 0 20px;list-style:decimal}.toc li{margin-bottom:6px;font-size:.88em}.toc a{color:var(--l);text-decoration:none}.toc a:hover{text-decoration:underline}.inline-link{background:#f0faf7;border-left:3px solid var(--a);padding:10px 16px;margin:20px 0;font-size:.93em;border-radius:0 6px 6px 0}.inline-link a{color:var(--l);font-weight:500;text-decoration:none}.inline-link a:hover{text-decoration:underline}.related{background:#fff;border:1px solid #e0ebe8;border-radius:10px;padding:24px 28px;margin:36px 0 24px}.related h2{font-size:1.05em;margin:0 0 14px;color:#2d2d2d;font-weight:600}.related ul{list-style:none;margin:0;padding:0}.related li{margin-bottom:10px;padding-left:20px;position:relative}.related li::before{content:'\2192';position:absolute;left:0;color:var(--m);font-size:.9em}.related a{color:var(--l);text-decoration:none;font-weight:500}.related a:hover{text-decoration:underline}.section-divider{width:60px;height:2px;background:var(--a);margin:40px 0}.next-step{background:var(--p);color:#fff;padding:28px 32px;border-radius:10px;margin:24px 0 32px}.next-step .ns-label{font-size:.78em;text-transform:uppercase;letter-spacing:.06em;color:rgba(255,255,255,.5);margin-bottom:8px}.next-step .ns-title{font-size:1.1em;font-weight:600;margin-bottom:12px}.next-step a{color:#fff;text-decoration:underline;text-decoration-color:rgba(255,255,255,.4);text-underline-offset:2px}.next-step a:hover{text-decoration-color:#fff}.newsletter{background:#fff;border:1px solid #e0ebe8;border-radius:10px;padding:28px 32px;margin:0 0 32px;text-align:center}.newsletter .nl-head{font-size:1.1em;font-weight:600;color:#1a1a1a;margin-bottom:6px}.newsletter .nl-sub{font-size:.9em;color:#777;margin-bottom:18px;line-height:1.55}.newsletter form{display:flex;gap:8px;max-width:400px;margin:0 auto}.newsletter input[type=email]{flex:1;padding:10px 14px;border:1px solid #e0ebe8;border-radius:6px;font-size:.9em;font-family:inherit;outline:none;transition:border-color .15s}.newsletter input[type=email]:focus{border-color:var(--l)}.newsletter button{padding:10px 20px;background:var(--p);color:#fff;border:none;border-radius:6px;font-size:.9em;font-weight:600;cursor:pointer;font-family:inherit;transition:background .15s;white-space:nowrap}.captcha-row{display:flex;align-items:center;gap:8px;font-size:.84em;color:#666}.captcha-row label{white-space:nowrap}.captcha-input{width:50px;padding:8px 10px;border:1px solid #e0ebe8;border-radius:6px;font-size:.9em;font-family:inherit;text-align:center;outline:none}.captcha-input:focus{border-color:var(--l)}.newsletter .nl-privacy{font-size:.75em;color:#bbb;margin-top:10px}.author-bio{display:flex;gap:18px;align-items:flex-start;background:#fff;border:1px solid #e0ebe8;border-radius:10px;padding:28px 32px;margin:0 0 32px}.author-bio .bio-name{font-size:1em;font-weight:600;color:#1a1a1a;margin-bottom:6px}.author-bio p{font-size:.9em;color:#666;line-height:1.65;margin:0}.pdf-sticky{position:fixed;bottom:24px;right:24px;z-index:50;display:flex;align-items:center;gap:8px;background:#fff;color:#555;border:1px solid #e0ebe8;padding:10px 18px;border-radius:24px;font-size:.84em;cursor:pointer;font-family:inherit;box-shadow:0 2px 12px rgba(0,0,0,.1);transition:box-shadow .2s,transform .15s}.pdf-sticky:hover{box-shadow:0 4px 20px rgba(0,0,0,.15);transform:translateY(-1px)}.pdf-sticky svg{width:16px;height:16px;fill:none;stroke:currentColor;stroke-width:2;flex-shrink:0}.modal-overlay{display:none;position:fixed;inset:0;background:rgba(0,0,0,.45);z-index:200;align-items:center;justify-content:center}.modal-overlay.active{display:flex}.modal{background:#fff;border-radius:12px;padding:32px;max-width:400px;width:90%;text-align:center;box-shadow:0 12px 40px rgba(0,0,0,.15);position:relative}.modal h3{font-size:1.1em;font-weight:600;margin-bottom:6px;color:#1a1a1a}.modal p{font-size:.9em;color:#777;margin-bottom:18px;line-height:1.5}.modal form{display:flex;flex-direction:column;gap:10px}.modal input[type=email]{padding:10px 14px;border:1px solid #e0ebe8;border-radius:6px;font-size:.9em;font-family:inherit;outline:none;text-align:center}.modal input[type=email]:focus{border-color:var(--l)}.modal button{padding:10px 20px;background:var(--p);color:#fff;border:none;border-radius:6px;font-size:.9em;font-weight:600;cursor:pointer;font-family:inherit}.modal .close{position:absolute;top:12px;right:16px;background:none;border:none;font-size:1.3em;cursor:pointer;color:#999;padding:4px}.modal .nl-privacy{font-size:.75em;color:#bbb;margin:4px 0 0}.modal .captcha-row{justify-content:center}footer{background:#fff;padding:28px 24px;border-top:1px solid #e0ebe8;color:#b0b8b0;font-size:.8em;text-align:center;margin-top:24px}.footer-inner,footer .wrap{max-width:700px;margin:0 auto}.footer-brand{font-weight:600;color:#999;margin-bottom:4px}.footer-author{color:#bbb;font-size:.9em;margin:4px 0 8px;font-style:italic}.footer-silo-links{display:flex;flex-wrap:wrap;justify-content:center;gap:8px 16px;margin:0 auto 16px;max-width:600px}.footer-silo-links a{color:#999;text-decoration:none;font-size:.9em}.footer-silo-links a:hover{color:var(--l)}.footer-links a{color:var(--l);text-decoration:none;margin:0 8px;font-size:.95em}.footer-links a:hover{text-decoration:underline}.footer-links{margin-top:8px}::selection{background:#d0f0ea;color:#1a1a1a}@media print{nav.site-nav,.accent-bar,header,.breadcrumb,.toc,.related,.next-step,.newsletter,.pdf-sticky,.modal-overlay,footer,.author,.affiliate-disclosure{display:none}body{background:#fff;color:#000}article{padding:0}.content-wrap{max-width:none;padding:0}h1{font-size:1.5em}}@media(max-width:480px){h1{font-size:1.5em}article h2{font-size:1.2em}.related{padding:20px}.next-step{padding:22px 20px}.newsletter{padding:22px 20px}.newsletter form{flex-direction:column}.pdf-sticky{bottom:16px;right:16px;padding:8px 14px;font-size:.8em}.author-bio{flex-direction:column;padding:22px 20px;gap:14px;text-align:center}}body{font-family:'Segoe UI',Roboto,-apple-system,BlinkMacSystemFont,'Helvetica Neue',sans-serif;line-height:1.78;color:#2d2d2d;background:#f5f9fa;-webkit-font-smoothing:antialiased}header .logo{color:var(--p);font-weight:700;font-size:1.15em;text-decoration:none;display:flex;align-items:center}header .logo span{color:var(--a)}.nav-dropdown a{padding:10px 0 10px 20px;border-bottom:1px solid rgba(255,255,255,.08);color:rgba(255,255,255,.82)}.hero{background:linear-gradient(155deg,var(--p) 0%,color-mix(in srgb,var(--p) 85%,#2a0a0a) 45%,color-mix(in srgb,var(--a) 50%,var(--p)) 100%);color:#fff;padding:80px 0 72px;border-bottom:none;position:relative}.hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:4px;background:linear-gradient(90deg,transparent,var(--a),transparent);opacity:.6}.hero .wrap{position:relative;z-index:1}.hero .hero-intro{font-size:1.15em;color:rgba(255,255,255,.95);max-width:540px;line-height:1.75;margin-bottom:20px;font-weight:500}.hero h1{font-size:2.4em;font-weight:700;letter-spacing:-.02em;line-height:1.2;margin-bottom:16px;max-width:640px;text-shadow:0 1px 2px rgba(0,0,0,.1)}.hero .subtitle{font-size:1.06em;color:rgba(255,255,255,.88);max-width:560px;line-height:1.65;margin-bottom:32px}.hero-cta{display:flex;gap:14px;flex-wrap:wrap}.hero-cta a{display:inline-block;padding:16px 32px;border-radius:10px;font-weight:600;font-size:1em;transition:all .2s;box-shadow:0 2px 8px rgba(0,0,0,.15)}.hero-cta a:hover{transform:translateY(-2px);box-shadow:0 4px 16px rgba(0,0,0,.2);text-decoration:none}.btn-w{background:#fff;color:var(--p);font-weight:700}.btn-g{background:rgba(255,255,255,.12);color:#fff;border:2px solid rgba(255,255,255,.4)}.btn-g:hover{background:rgba(255,255,255,.25);border-color:rgba(255,255,255,.6)}.s{padding:56px 0 0}.s-head{margin-bottom:8px}.s-head h2{font-size:1.6em;font-weight:700;color:#1a1a1a;letter-spacing:-.02em;line-height:1.2}.s-head p{color:#888;font-size:1.02em;margin-top:6px;line-height:1.6;max-width:560px}.s-line{width:48px;height:3px;background:var(--a);border-radius:2px;margin:14px 0 28px}.entry-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:16px}.entry-card{background:#fff;border:1px solid #e0ebe8;border-radius:10px;padding:28px 24px;display:block;color:#2d2d2d;transition:box-shadow .2s,transform .12s}.entry-card:hover{box-shadow:0 6px 24px rgba(0,0,0,.07);transform:translateY(-2px);text-decoration:none}.entry-card .icon{color:var(--l);margin-bottom:14px}.entry-card h3{font-size:1.05em;font-weight:700;color:#1a1a1a;margin-bottom:8px;line-height:1.3}.entry-card p{font-size:.88em;color:#777;line-height:1.6;margin-bottom:14px}.entry-card .go{display:inline-block;font-size:.86em;font-weight:600;color:var(--l)}.entry-card:hover .go{text-decoration:underline}.silo-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:12px;margin-bottom:48px}.silo{display:block;background:#fff;border:1px solid #e0ebe8;border-radius:10px;padding:22px 24px;color:#2d2d2d;transition:box-shadow .2s,transform .12s}.silo:hover{box-shadow:0 4px 16px rgba(0,0,0,.06);transform:translateY(-1px);text-decoration:none}.silo .silo-icon{color:var(--l);margin-bottom:8px}.silo h3{font-size:.98em;color:var(--l);margin-bottom:4px;font-weight:600}.silo p{font-size:.82em;color:#999;line-height:1.5}.silo .cnt{display:block;margin-top:8px;font-size:.78em;color:var(--l);font-weight:600}.silo .quick-links{margin-top:10px;padding-top:10px;border-top:1px solid #eef5f3}.silo .quick-links a{display:block;font-size:.8em;color:#666;padding:3px 0;text-decoration:none}.silo .quick-links a:hover{color:var(--l)}.popular-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:16px}.pop-card{display:block;background:#fff;border:1px solid #e0ebe8;border-radius:8px;padding:18px 22px;color:#2d2d2d;transition:border-color .15s}.pop-card:hover{border-color:var(--l);text-decoration:none}.pop-card h4{font-size:.92em;font-weight:600;color:#1a1a1a;margin-bottom:6px;line-height:1.35}.pop-card .pop-meta{font-size:.76em;color:#999}.faq-list{margin-bottom:16px}.faq-item{background:#fff;border:1px solid #e0ebe8;border-radius:8px;margin-bottom:8px;overflow:hidden}.faq-item summary{padding:18px 22px;cursor:pointer;font-weight:600;font-size:.95em;color:#1a1a1a;list-style:none;display:flex;justify-content:space-between;align-items:center}.faq-item summary::after{content:'+';font-size:1.2em;color:#999;transition:transform .2s}.faq-item[open] summary::after{transform:rotate(45deg)}.faq-item .faq-answer{padding:0 22px 18px;font-size:.9em;color:#666;line-height:1.65}.faq-item .faq-answer a{color:var(--l)}.trust{background:#fff;border:1px solid #e0ebe8;border-radius:10px;padding:28px 32px;margin-bottom:48px;display:flex;gap:18px;align-items:flex-start}.trust .trust-avatar{width:56px;height:56px;border-radius:50%;background:var(--p);display:flex;align-items:center;justify-content:center;color:#fff;font-weight:700;font-size:1.3em;flex-shrink:0}.trust .trust-name{font-weight:600;color:#1a1a1a;margin-bottom:4px}.trust .trust-role{font-size:.84em;color:#999;margin-bottom:8px}.trust p{font-size:.9em;color:#666;line-height:1.65;margin:0}.trust-badges{display:flex;gap:8px;flex-wrap:wrap;margin-top:10px}.badge{font-size:.78em;background:color-mix(in srgb,var(--a) 12%,#f0faf7);color:var(--p);padding:4px 10px;border-radius:20px;font-weight:600;border:1px solid color-mix(in srgb,var(--a) 20%,#e0ebe8)}.hero-stats{display:flex;gap:20px;margin:16px 0 24px;flex-wrap:wrap}.hero-stats span{font-size:.95em;color:rgba(255,255,255,.85)}.hero-stats strong{color:#fff;font-size:1.1em}.rec-type{font-size:.72em;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--l);margin-bottom:4px}footer{padding:36px 0;border-top:1px solid #e0ebe8;color:#bbb;font-size:.78em;text-align:center;background:#fff}.footer-silo-links{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;max-width:600px;margin:0 auto 16px;text-align:left}.footer-silo-links a{display:block;font-size:.92em;color:#999;padding:2px 0}@media(max-width:700px){.hero h1{font-size:1.8em}.entry-grid{grid-template-columns:1fr}.popular-grid{grid-template-columns:1fr}.footer-silo-links{grid-template-columns:1fr 1fr}.category-header{padding:32px 0 12px}.category-header .cat-intro{font-size:.95em;color:var(--l);font-weight:500;margin-bottom:8px;line-height:1.5}.category-header h1{font-size:1.7em;font-weight:700;color:#1a1a1a;line-height:1.25}.category-header .cat-desc{color:#555;font-size:1em;margin-top:10px;line-height:1.7;max-width:540px}.cat-stats{font-size:.88em;color:#888;margin:10px 0 28px;font-style:italic}.featured{margin-bottom:36px}.featured-label{font-size:.78em;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:#999;margin-bottom:12px}.featured-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.featured-card{display:block;background:#fff;border:1px solid #e0ebe8;border-radius:10px;padding:22px 24px;color:#2d2d2d;transition:box-shadow .2s,transform .12s;text-decoration:none}.featured-card:hover{box-shadow:0 4px 16px rgba(0,0,0,.06);transform:translateY(-1px)}.featured-card .fc-title{font-size:1em;font-weight:600;color:#1a1a1a;line-height:1.35;margin-bottom:6px}.featured-card .fc-go{font-size:.84em;color:var(--l);font-weight:500}.featured-card:hover .fc-go{text-decoration:underline}.cat-section{margin-bottom:32px}.cat-section-head{font-size:1.05em;font-weight:600;color:#1a1a1a;margin-bottom:4px}.cat-section-sub{font-size:.84em;color:#999;margin-bottom:14px}.s-line-sm{width:36px;height:2px;background:var(--a);border-radius:2px;margin:10px 0 14px}.cat-list{list-style:none;padding:0}.cat-list li{margin-bottom:2px}.cat-list a{display:flex;align-items:center;padding:10px 14px;border-radius:6px;color:#2d2d2d;text-decoration:none;font-size:.94em;transition:background .15s}.cat-list a:hover{background:#eef5f3}.cat-list .cl-title{flex:1;line-height:1.4}.cat-list .cl-arr{color:#ccc;font-size:.85em;flex-shrink:0;margin-left:10px}.cat-list a:hover .cl-arr{color:var(--l)}@media(max-width:480px){.featured-grid{grid-template-columns:1fr}}