:root{--ink:#14262b;--muted:#4b5f64;--soft:#6f8186;--brand:#0f4c4f;--brand2:#e6f2f1;--line:#dbe4e5;--bg:#fbfaf7;--ad:#fff7e8;--adline:#e9c98a;--accent:#c4553a}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.68 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
a{color:var(--brand)}a:hover{color:var(--accent)}
.wrap{max-width:860px;margin:0 auto;padding:0 18px}
.disc{background:var(--brand);color:#e9f3f2;font-size:.8rem;text-align:center;padding:6px 12px}.disc a{color:#fff}
.top{background:#fff;border-bottom:1px solid var(--line)}.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:62px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:10px;font:700 1.12rem Georgia,"Times New Roman",serif;color:var(--ink);text-decoration:none}
.logo__mark{display:grid;place-items:center;width:32px;height:32px;border-radius:8px;background:var(--brand);color:#fff;font-size:1rem}
.menu{display:flex;gap:16px;flex-wrap:wrap;font-size:.92rem}.menu a{color:var(--muted);text-decoration:none}.menu a:hover{color:var(--brand)}
.page{padding:22px 18px 40px}
.crumbs{font-size:.82rem;color:var(--soft);margin:0 0 10px}.crumbs a{color:var(--soft)}
h1{font:700 clamp(1.8rem,4.6vw,2.6rem)/1.15 Georgia,"Times New Roman",serif;margin:.2em 0 .35em;letter-spacing:-.01em}
h2{font:700 1.5rem/1.25 Georgia,"Times New Roman",serif;margin:1.8em 0 .5em}
h3{font-size:1.12rem;margin:1.4em 0 .4em}
.byline{font-size:.85rem;color:var(--soft);border-bottom:1px solid var(--line);padding-bottom:14px;margin-bottom:22px}.byline a{color:var(--soft)}
.lead{font-size:1.15rem;color:var(--muted)}
.answer{background:var(--brand2);border-left:4px solid var(--brand);padding:16px 18px;margin:18px 0 24px;border-radius:0 8px 8px 0}
.answer p:last-child{margin-bottom:0}
table{width:100%;border-collapse:collapse;margin:14px 0 20px;font-size:.95rem;background:#fff}
th,td{border:1px solid var(--line);padding:9px 11px;text-align:left;vertical-align:top}th{background:#f1f5f5}
.note{font-size:.88rem;color:var(--muted)}
.box{background:#fff;border:1px solid var(--line);border-radius:10px;padding:16px 18px;margin:16px 0}
.example{background:#fff;border:1px dashed var(--brand);border-radius:10px;padding:16px 18px;margin:16px 0}
.example h3{margin-top:0}
.cta{background:var(--ad);border:1px solid var(--adline);border-radius:12px;padding:20px;margin:30px 0}
.cta__label{margin:0 0 6px;font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#8a6a2c}
.cta__h{margin:0 0 10px;font-size:1.35rem}
.cta__list{margin:0 0 12px;padding-left:1.2em}.cta__list li{margin:4px 0}
.cta__offer{margin:0 0 14px}.cta__offer b{color:var(--accent)}.cta__offer span{font-size:.85rem;color:var(--muted)}
.btn{display:inline-block;background:var(--brand);color:#fff;text-decoration:none;font-weight:700;padding:12px 20px;border-radius:8px}.btn:hover{background:#0b393b;color:#fff}
.cta__fine{font-size:.78rem;color:var(--muted);margin:12px 0 0}
.faq details{background:#fff;border:1px solid var(--line);border-radius:8px;padding:12px 14px;margin:8px 0}
.faq summary{cursor:pointer;font-weight:600}
.sources{font-size:.85rem;color:var(--muted);border-top:1px solid var(--line);margin-top:30px}
.sources h2{font-size:1.05rem}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;margin:16px 0}
.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px 16px;text-decoration:none;color:var(--ink)}.card:hover{border-color:var(--brand)}
.card b{display:block;margin-bottom:4px;color:var(--brand)}
.foot{background:#fff;border-top:1px solid var(--line);padding:24px 0 30px;font-size:.88rem;color:var(--muted)}
.crisis{background:#fdf0ee;border:1px solid #f1c9bf;border-radius:8px;padding:10px 12px}
.foot__links{display:flex;flex-wrap:wrap;gap:14px;margin:14px 0}.foot__links a{color:var(--muted)}
.foot__small{font-size:.78rem;color:var(--soft)}
@media(max-width:600px){body{font-size:16px}.menu{gap:12px;font-size:.85rem}}
.logo small{display:block;font:500 .7rem -apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--soft);letter-spacing:.01em}
.toc{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 16px;font-size:.92rem;margin:0 0 20px}.toc ol{margin:6px 0 0;padding-left:1.2em}
.alert{background:#fdf0ee;border:1px solid #f1c9bf;border-radius:8px;padding:10px 14px;font-size:.92rem;margin:0 0 18px}
.tool{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px;margin:18px 0}.tool label{display:block;font-weight:600;margin:10px 0 4px}.tool select,.tool input{font:inherit;padding:8px 10px;border:1px solid var(--line);border-radius:6px;width:100%;max-width:360px}.tool output{display:block;margin-top:14px}
.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:12px}@media(max-width:600px){.pros-cons{grid-template-columns:1fr}}
h1,h2,h3{overflow-wrap:anywhere}
@media(max-width:720px){
 table{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch}
 th,td{min-width:120px}
 .menu{flex-wrap:nowrap;overflow-x:auto;white-space:nowrap;width:100%;padding-bottom:6px}
 .top .wrap{padding-top:8px}
}