*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}body{font-family:inter,system-ui,-apple-system,sans-serif;font-size:16px;line-height:1.7;color:#1a1a2e;background:#fff}a{color:#06c;text-decoration:none}a:hover{text-decoration:underline}img{max-width:100%;height:auto}.wrapper{max-width:1200px;margin:0 auto;padding:0 20px}.main{display:grid;grid-template-columns:1fr 320px;gap:40px;padding:40px 0 60px}@media(max-width:900px){.main{grid-template-columns:1fr}.sidebar{display:none}}.page-hero{background:#0f172a;padding:0}.page-hero-inner{max-width:1200px;margin:0 auto;padding:80px 24px 36px}.page-hero h1{color:#fff;margin-top:12px;font-family:inter,sans-serif;font-weight:800;font-size:28px;line-height:1.3;letter-spacing:-.3px}@media(min-width:768px){.page-hero h1{font-size:34px}}.page-meta{color:rgba(255,255,255,.55);font-size:14px;margin-top:10px}.breadcrumbs{margin-bottom:8px}.breadcrumb-list{list-style:none;display:flex;flex-wrap:wrap;gap:4px;font-size:13px}.breadcrumb-item+.breadcrumb-item::before{content:"›";color:rgba(255,255,255,.3);margin-right:4px}.breadcrumb-item a{color:rgba(255,255,255,.6);font-weight:500;text-decoration:none}.breadcrumb-item a:hover{color:#fff}.breadcrumb-current{color:rgba(255,255,255,.45)}article{min-width:0}article section>*+*{margin-top:1.2em}article h2{font-size:22px;font-weight:700;color:#0f172a;margin-top:2em;margin-bottom:.5em;letter-spacing:-.2px}article h3{font-size:18px;font-weight:600;color:#1e293b;margin-top:1.5em;margin-bottom:.4em}article p{color:#374151}article ul,article ol{padding-left:1.5em;color:#374151}article li+li{margin-top:.4em}.table-wrap{overflow-x:auto;margin:1.5em 0;border-radius:8px;border:1px solid #e5e7eb}article table{width:100%;border-collapse:collapse;font-size:14px}article thead{background:#f8fafc}article th{padding:12px 16px;text-align:left;font-weight:600;color:#0f172a;border-bottom:2px solid #e5e7eb;white-space:nowrap}article td{padding:11px 16px;border-bottom:1px solid #f1f5f9;color:#374151;vertical-align:top}article tr:last-child td{border-bottom:none}article tr:hover td{background:#f8fafc}.card-details-box{background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;margin:1.5em 0}.card-details-box h3{font-size:16px;font-weight:700;color:#0f172a;margin-top:0;margin-bottom:16px}.card-detail-row{display:flex;justify-content:space-between;align-items:baseline;padding:8px 0;border-bottom:1px solid #e2e8f0;font-size:14px;gap:16px}.card-detail-row:last-child{border-bottom:none}.card-detail-label{color:#6b7280;font-weight:500;flex-shrink:0}.card-detail-value{color:#0f172a;font-weight:600;text-align:right}.verdict-box{background:#eff6ff;border-left:4px solid #2563eb;border-radius:0 8px 8px 0;padding:20px 24px;margin:1.5em 0}.verdict-box p{color:#1e3a5f;margin-top:0}.verdict-box strong{color:#1e40af}.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:1.5em 0}@media(max-width:600px){.pros-cons{grid-template-columns:1fr}}.pros,.cons{border-radius:8px;padding:16px 20px}.pros{background:#f0fdf4;border:1px solid #bbf7d0}.cons{background:#fff1f2;border:1px solid #fecdd3}.pros h4,.cons h4{font-size:14px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;margin-bottom:12px}.pros h4{color:#15803d}.cons h4{color:#be123c}.pros ul,.cons ul{list-style:none;padding:0}.pros li,.cons li{font-size:14px;padding:4px 0;padding-left:20px;position:relative;color:#374151}.pros li::before{content:"✓";position:absolute;left:0;color:#16a34a;font-weight:700}.cons li::before{content:"✗";position:absolute;left:0;color:#dc2626;font-weight:700}.author-block{margin-top:40px;padding:20px;background:#f8fafc;border-radius:10px;border:1px solid #e2e8f0}.author-label{font-size:12px;text-transform:uppercase;letter-spacing:.5px;color:#6b7280;font-weight:600;margin-bottom:10px}.author-name a{font-weight:700;color:#0f172a;font-size:15px}.author-role{font-size:13px;color:#6b7280;margin-top:2px}.cite-block{margin-top:16px;padding:16px 20px;background:#f8fafc;border-radius:8px;border:1px solid #e2e8f0}.cite-label{font-size:12px;text-transform:uppercase;letter-spacing:.5px;color:#6b7280;font-weight:600;margin-bottom:6px}.cite-text{font-size:13px;color:#6b7280}.sidebar{display:flex;flex-direction:column;gap:24px}.email-signup-sidebar{background:#f0fdf4;border:1px solid #bbf7d0;border-radius:10px;padding:20px}.signup-heading{font-weight:700;font-size:15px;color:#0f172a;margin-bottom:6px}.signup-subtext{font-size:13px;color:#4b5563;margin-bottom:14px}.signup-form{display:flex;flex-direction:column;gap:8px}.signup-form input{padding:10px 12px;border:1px solid #d1d5db;border-radius:6px;font-size:14px;font-family:inherit;outline:none}.signup-form input:focus{border-color:#2563eb;box-shadow:0 0 0 3px rgba(37,99,235,.1)}.signup-form button{padding:10px 16px;background:#0f172a;color:#fff;border:none;border-radius:6px;font-size:14px;font-weight:600;font-family:inherit;cursor:pointer;transition:background .15s}.signup-form button:hover{background:#1e293b}.faq-section{margin-top:2.5em}.faq-item{border-bottom:1px solid #e5e7eb;padding:16px 0}.faq-item:last-child{border-bottom:none}.faq-question{font-weight:600;font-size:16px;color:#0f172a;margin-bottom:8px}.faq-answer{font-size:15px;color:#4b5563}.disclaimer{background:#fafafa;border:1px solid #e5e7eb;border-radius:8px;padding:16px 20px;font-size:13px;color:#6b7280;margin:2em 0}.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:20px;margin:1.5em 0}.card-tile{background:#fff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;transition:box-shadow .15s,border-color .15s}.card-tile:hover{box-shadow:0 4px 12px rgba(0,0,0,8%);border-color:#cbd5e1}.card-tile-name{font-weight:700;font-size:16px;color:#0f172a;margin-bottom:8px}.card-tile-fee{font-size:13px;color:#6b7280;margin-bottom:12px}.card-tile-highlight{font-size:14px;color:#374151;line-height:1.5}.card-tile-cta{display:inline-block;margin-top:14px;padding:9px 18px;background:#0f172a;color:#fff;border-radius:6px;font-size:14px;font-weight:600;text-decoration:none;transition:background .15s}.card-tile-cta:hover{background:#1e293b;text-decoration:none}.article-list{list-style:none;padding:0;margin:1em 0}.article-list li{border-bottom:1px solid #f1f5f9;padding:12px 0}.article-list li:last-child{border-bottom:none}.article-list a{font-weight:500;font-size:15px;color:#06c}.article-list a:hover{color:#004999}