:root{--primary:#1e3a5f;--primary-dark:#152b47;--secondary:#2f8886;--secondary-dark:#226766;--accent:#ffb37b;--accent-hover:#f09a58;--bg:#fafaf7;--text:#2c2c2c;--text-muted:hsla(0,0%,100%,0.75);--text-gray:#5a6070;--section-alt:#eef2f7;--dark:#1e3a5f;--dark-mid:#162d4a;--dark-2:#162d4a;--dark-3:#243450;--accent-dark:#f09a58;--accent-bg:rgba(255,179,123,0.12);--white:#fff;--off-white:#fafaf7;--light-grey:#e4eaf2;--body-text:#2c2c2c;--muted:#5a6070;--border:#d8e0ec;--green:#1b8a5a;--green-bg:#eaf6f1;--red:#c0392b;--red-bg:#fdecea;--font:"DM Sans",system-ui,sans-serif;--radius:10px;--radius-lg:18px;--shadow:0 2px 14px rgba(15,25,35,0.08);--shadow-lg:0 8px 36px rgba(15,25,35,0.14);--transition:.2s ease}*,:after,:before{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:var(--font);background:var(--white);color:var(--body-text);font-size:16px;line-height:1.8;-webkit-font-smoothing:antialiased}a{color:var(--accent-dark);text-decoration:underline;text-underline-offset:3px}a:hover{color:var(--accent)}img{max-width:100%;display:block}p{margin-bottom:1.1rem}p:last-child{margin-bottom:0}.wrap{max-width:820px;margin:0 auto;padding:0 24px}.site-nav{background:var(--primary);padding:0 24px;position:sticky;top:0;z-index:200;box-shadow:0 2px 16px rgba(0,0,0,.25)}.nav-inner{max-width:1100px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;height:68px}.nav-logo{font-weight:700;font-size:1.1rem;color:var(--white);text-decoration:none;letter-spacing:-.01em}.nav-logo span{color:var(--accent)}.nav-links{display:flex;gap:28px}.nav-links a{color:hsla(0,0%,100%,.8);text-decoration:none;font-size:14px;font-weight:500;transition:color var(--transition)}.nav-links a:hover{color:var(--accent)}.nav-cta{background:var(--accent);padding:8px 20px;border-radius:6px;font-weight:600!important}.nav-cta,.nav-cta:hover{color:var(--primary)!important}.nav-cta:hover{background:var(--accent-hover)}.disclaimer-bar{background:#fff8ec;border-bottom:1px solid #fde8b5;padding:10px 24px;font-size:13px;color:#7a5c0a;text-align:center}.disclaimer-bar strong{color:#5a3e00}.hero{background:var(--primary);position:relative;overflow:hidden;padding:88px 24px 80px}.hero:before{background:radial-gradient(ellipse 70% 80% at 85% 50%,rgba(47,136,134,.35) 0,transparent 65%),radial-gradient(ellipse 50% 60% at 10% 80%,rgba(47,136,134,.15) 0,transparent 60%)}.hero:after,.hero:before{content:"";position:absolute;inset:0}.hero:after{background-image:radial-gradient(circle,hsla(0,0%,100%,.05) 1px,transparent 0);background-size:28px 28px;pointer-events:none}.hero-inner{max-width:820px;margin:0 auto;position:relative;z-index:1}.hero-badge{display:inline-flex;align-items:center;gap:7px;background:rgba(47,136,134,.2);border:1px solid rgba(47,136,134,.4);color:#7dd4d2;font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;padding:5px 14px;border-radius:100px;margin-bottom:22px}.hero h1{font-size:clamp(1.9rem,4.5vw,3rem);font-weight:700;color:var(--white);line-height:1.2;margin-bottom:18px;letter-spacing:-.02em}.hero h1 em{font-style:normal;color:var(--accent)}.hero-sub{font-size:1.05rem;color:hsla(0,0%,100%,.7);max-width:580px;margin-bottom:36px;font-weight:300}.hero-meta{gap:20px;flex-wrap:wrap}.author-pill,.hero-meta{display:flex;align-items:center}.author-pill{gap:10px;background:hsla(0,0%,100%,.08);border:1px solid hsla(0,0%,100%,.12);border-radius:100px;padding:6px 16px 6px 6px}.author-pill .av{width:34px;height:34px;border-radius:50%;background:var(--accent);color:var(--primary);font-weight:700;font-size:13px;display:flex;align-items:center;justify-content:center;flex-shrink:0}.author-pill span{color:hsla(0,0%,100%,.85);font-size:14px}.hero-read{font-size:13px;color:hsla(0,0%,100%,.5)}.btn{display:inline-block;padding:13px 26px;border-radius:var(--radius);font-weight:600;font-size:15px;text-decoration:none;transition:transform var(--transition),box-shadow var(--transition),background var(--transition);cursor:pointer;border:none}.btn-primary{background:var(--accent);color:var(--primary);box-shadow:0 4px 18px rgba(255,179,123,.35)}.btn-primary:hover{background:var(--accent-hover);color:var(--primary);transform:translateY(-2px);box-shadow:0 8px 28px rgba(255,179,123,.4)}.btn-ghost{border:2px solid hsla(0,0%,100%,.25);color:hsla(0,0%,100%,.85);background:transparent}.btn-ghost:hover{border-color:var(--accent);color:var(--accent);transform:translateY(-2px)}.btn-outline{border:2px solid var(--secondary);color:var(--secondary-dark);background:transparent}.btn-outline:hover{background:rgba(47,136,134,.08);transform:translateY(-2px)}.page-body{padding:60px 0 80px}.toc{background:var(--off-white);border:1px solid var(--border);border-left:4px solid var(--secondary);border-radius:0 var(--radius) var(--radius) 0;padding:24px 28px;margin-bottom:52px}.toc-title{font-weight:700;font-size:14px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-bottom:12px}.toc ol{padding-left:18px}.toc li{margin:6px 0;font-size:14px}.toc a{color:var(--body-text);text-decoration:none}.toc a:hover{color:var(--accent-dark)}.section{padding:52px 0;border-top:1px solid var(--light-grey)}.section-tag{font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--secondary);margin-bottom:8px}h2{font-size:clamp(1.45rem,3vw,1.95rem);font-weight:700;color:var(--primary);line-height:1.25;letter-spacing:-.02em;margin-bottom:18px}h3{font-weight:600;margin-bottom:8px}.pullquote,h3{font-size:1.05rem;color:var(--primary)}.pullquote{border-left:4px solid var(--secondary);background:rgba(47,136,134,.07);border-radius:0 var(--radius) var(--radius) 0;padding:20px 26px;margin:28px 0;font-style:italic;font-weight:500}a.aff{color:var(--secondary-dark);font-weight:600;text-decoration-style:dotted}.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:16px;margin-top:28px}.card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);transition:transform var(--transition),box-shadow var(--transition)}.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg)}.card-icon{font-size:28px;margin-bottom:10px}.card h3{font-size:.95rem}.card p{font-size:13.5px;color:var(--muted);margin-bottom:0}.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:28px}@media (max-width:560px){.pros-cons{grid-template-columns:1fr}}.pros{background:var(--green-bg);border:1px solid #a3d9c1;border-radius:var(--radius)}.cons,.pros{padding:24px}.cons{background:var(--red-bg);border:1px solid #f1b8b2;border-radius:var(--radius)}.pros h3{color:var(--green)}.cons h3{color:var(--red)}.check-list{list-style:none;padding:0;margin-top:10px}.check-list li{padding:7px 0 7px 26px;position:relative;font-size:14.5px;border-bottom:1px solid rgba(0,0,0,.06)}.check-list li:last-child{border-bottom:none}.check-list li:before{position:absolute;left:0;top:8px;font-weight:700}.pros .check-list li:before{content:"✓";color:var(--green)}.cons .check-list li:before{content:"✗";color:var(--red)}.steps{margin-top:28px}.step{display:flex;gap:20px;margin-bottom:32px;position:relative}.step:not(:last-child):after{content:"";position:absolute;left:19px;top:44px;bottom:-8px;width:2px;background:var(--light-grey)}.step-num{flex-shrink:0;width:40px;height:40px;background:var(--secondary);color:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:15px;box-shadow:0 4px 12px rgba(47,136,134,.35)}.step-body{padding-top:6px}.step-body h3{font-size:1rem}.step-body p{font-size:14.5px;color:var(--muted)}.cta-dark{background:var(--primary);border-radius:var(--radius-lg);padding:52px 40px;text-align:center;margin:52px 0;position:relative;overflow:hidden}.cta-dark:before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 70% 70% at 75% 20%,rgba(47,136,134,.3) 0,transparent 70%);pointer-events:none}.cta-dark>*{position:relative}.cta-dark h2{color:var(--white);margin-bottom:12px}.cta-dark p{color:var(--text-muted);font-size:15px;max-width:480px;margin:0 auto 28px}.cta-note{margin-top:14px!important;font-size:12px!important;color:hsla(0,0%,100%,.35)!important}.faq{margin-top:28px}.faq-item{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);margin-bottom:10px;overflow:hidden}.faq-q{width:100%;text-align:left;padding:18px 22px;background:none;border:none;font-family:var(--font);font-size:15px;font-weight:600;color:var(--primary);display:flex;justify-content:space-between;align-items:center;gap:12px;cursor:pointer;transition:background var(--transition)}.faq-q:hover{background:var(--section-alt)}.faq-icon{flex-shrink:0;width:26px;height:26px;border-radius:50%;background:rgba(47,136,134,.1);color:var(--secondary);display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:300;transition:transform .25s}.faq-item.open .faq-icon{transform:rotate(45deg)}.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .2s;padding:0 22px;font-size:14.5px;color:var(--muted)}.faq-item.open .faq-a{max-height:400px;padding:0 22px 20px}.testimonials{margin-top:28px;display:grid;gap:16px}.testimonial{background:var(--off-white);border:1px solid var(--border);border-radius:var(--radius);padding:22px 24px}.stars{color:var(--accent);font-size:16px;margin-bottom:8px}.testimonial p{font-size:14.5px;font-style:italic;color:var(--dark-3)}.testimonial-name{font-size:13px;font-weight:600;color:var(--muted);margin-top:8px}.site-footer{background:var(--primary);text-align:center;padding:40px 24px;font-size:13px}.site-footer,.site-footer a{color:hsla(0,0%,100%,.5)}.site-footer a:hover{color:var(--accent)}.sticky-btn{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--accent);color:var(--primary);font-weight:700;font-size:14px;text-align:center;padding:15px;text-decoration:none;z-index:300;box-shadow:0 -4px 20px rgba(0,0,0,.2)}@media (max-width:640px){.sticky-btn{display:block}body{padding-bottom:60px}}@keyframes fadeUp{0%{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}.hero-inner>*{animation:fadeUp .6s ease both}.hero-inner>:first-child{animation-delay:.05s}.hero-inner>:nth-child(2){animation-delay:.15s}.hero-inner>:nth-child(3){animation-delay:.25s}.hero-inner>:nth-child(4){animation-delay:.35s}@media (max-width:600px){.nav-links{display:none}.hero{padding:60px 24px 56px}.cta-dark{padding:40px 24px}}