@font-face{font-family:Inter;src:url('/assets/inter-400.woff2') format('woff2');font-weight:400;font-display:swap}@font-face{font-family:Inter;src:url('/assets/inter-600.woff2') format('woff2');font-weight:600;font-display:swap}@font-face{font-family:Inter;src:url('/assets/inter-700.woff2') format('woff2');font-weight:700;font-display:swap}
:root{--primary-color:#086b62;--heading-color:#152c35;--body-color:#40545e;--font:Inter,system-ui,sans-serif;--line:#dce5e5;--paper:#f7faf9;--ink:#152c35;--accent:#086b62}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{font-family:var(--font);color:var(--body-color);font-size:16px;line-height:1.75;background:#fff;margin:0}h1,h2,h3,h4,h5{font-family:var(--font);color:var(--ink);font-weight:700;line-height:1.2;letter-spacing:-.035em}h1{font-size:clamp(2.7rem,5.6vw,4.75rem);margin:18px 0 22px;max-width:850px}h2{font-size:clamp(1.85rem,3.2vw,2.7rem);margin:0 0 20px}h3{font-size:1.35rem;margin:0 0 12px}p{margin:0 0 18px;font-size:inherit;line-height:inherit}a{color:var(--accent);text-underline-offset:4px}a:hover{color:#034e47;text-decoration:underline}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #b65a00;outline-offset:4px}button,input,select{font:inherit}button{cursor:pointer}img{max-width:100%;height:auto}figure{margin:0}figcaption{font-size:13px;line-height:1.6;color:#52656d;margin-top:10px}code{font-size:.9em;color:#20564f;background:#edf5f2;padding:2px 5px;border-radius:4px;overflow-wrap:anywhere}ul,ol{padding-left:22px;margin:14px 0 22px}li{padding-left:3px;margin-bottom:8px}.container{max-width:1160px;padding-right:24px;padding-left:24px}.skip{position:absolute;top:-100px;left:20px;z-index:20;padding:12px;background:white}.skip:focus{top:8px}.ud-header{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.98);border-bottom:1px solid var(--line)}.navbar{padding:19px 0;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:14px}.brand{display:flex;align-items:center;gap:11px;color:var(--ink);font-size:18px;font-weight:700;line-height:1.2;letter-spacing:-.5px}.brand img{width:26px;height:26px}.brand 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var(--line)}.hero-grid{display:grid;grid-template-columns:1.28fr 1fr;gap:70px;align-items:center}.hero .lead{font-size:18px;max-width:590px;line-height:1.75}.hero h1 span{color:var(--accent)}.kicker{font-size:13px;color:#5e6e73;margin-bottom:22px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:27px 0 18px}.ud-main-btn{border:1px solid var(--accent);font-weight:600;font-size:14px;line-height:1.5;border-radius:7px;background:var(--accent);color:#fff;padding:14px 22px;min-height:48px;display:inline-flex;align-items:center;justify-content:center;gap:10px}.ud-main-btn:hover{background:#054f48;color:#fff;text-decoration:none}.button-light{background:#fff;color:var(--ink);border-color:#cbdad7}.button-light:hover{background:#edf4f1;color:var(--ink)}.meta-strip{display:flex;flex-wrap:wrap;gap:10px 24px;font-size:12px;color:#566d70;margin-top:24px}.quote-card{background:#fff;border:1px solid #d4e0dd;border-radius:13px;box-shadow:0 16px 50px 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var(--line);line-height:1.7}.quick-nav{display:flex;gap:26px;overflow-x:auto;white-space:nowrap;padding-top:18px;padding-bottom:18px;border-bottom:1px solid var(--line)}.quick-nav a{color:#405b62;font-size:13px;font-weight:600;min-height:36px;display:inline-flex;align-items:center}.section{padding:65px 0}.section-soft{background:var(--paper);border-block:1px solid var(--line)}.section-intro{max-width:700px;margin-bottom:28px}.section-intro p{max-width:650px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}.ud-single-pricing{padding:29px;border:1px solid var(--line);border-radius:10px;box-shadow:none;margin:0;background:#fff}.ud-pricing-header{margin:0 0 20px}.ud-pricing-header h3{font-size:15px;font-weight:600;margin-bottom:12px}.big-price{font-size:47px;font-weight:600;line-height:1.3;color:var(--ink);letter-spacing:-2px}.unit{font-size:12px;color:#576a71;margin-top:5px}.highlight-card{border-color:#559a84;background:#f5fbf7}.rate-note{font-size:13px;color:#51676d;margin-top:20px}.source-note{font-size:12px;color:#5c6f75;margin:24px 0 0}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:9px;margin:24px 0}table{width:100%;border-collapse:collapse;line-height:1.6;min-width:550px}th,td{padding:16px 20px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top;font-size:14px}th{background:#eff5f2;color:#2b4d4d;font-weight:600}tr:last-child td{border-bottom:0}td:first-child{color:var(--ink);font-weight:600}.callout{padding:24px 27px;border-left:3px solid #47866d;background:#eff7f2;margin:28px 0;color:#294b43;border-radius:0 7px 7px 0}.callout p:last-child{margin-bottom:0}.callout strong{color:#173f34}.cards a{text-decoration:none}.guide-card{display:block;padding:27px;border:1px solid var(--line);border-radius:9px;background:#fff;transition:border-color .15s,transform .15s;color:var(--body-color);height:100%}.guide-card:hover{border-color:#4b8c77;transform:translateY(-2px);color:var(--body-color)}.guide-card .tag{font-size:10px;letter-spacing:1px;font-weight:700;color:#57706d;text-transform:uppercase;margin-bottom:16px}.guide-card h3{font-size:20px}.guide-card p{font-size:14px;margin-bottom:15px}.text-link{color:var(--accent);font-weight:600;font-size:13px}.research-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:45px;align-items:center}.research-image{width:100%;border-radius:11px;aspect-ratio:1.909;object-fit:cover}.research-grid p{font-size:15px}.facts{display:flex;flex-wrap:wrap;gap:12px;margin-top:23px}.fact{border:1px solid var(--line);border-radius:6px;padding:9px 12px;font-size:12px;color:#315b51}.ud-faq{padding:0}.faq-list{border-top:1px solid var(--line);margin-top:30px}.faq-list details{border-bottom:1px solid var(--line);padding:0}.faq-list summary{list-style:none;position:relative;padding:23px 40px 23px 0;cursor:pointer;font-size:17px;font-weight:600;color:var(--ink);line-height:1.5}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:'+';position:absolute;right:10px;font-size:22px;font-weight:400;top:17px}.faq-list details[open] summary:after{content:'−'}.faq-list details p{padding:0 40px 20px 0;max-width:900px;margin:0;font-size:15px}.breadcrumb{font-size:12px;margin-bottom:15px;color:#59706f}.page-hero{padding:48px 0 42px;border-bottom:1px solid var(--line);background:var(--paper)}.page-hero h1{font-size:clamp(2.4rem,4.4vw,3.5rem);margin:14px 0 18px}.page-hero p{max-width:790px;font-size:18px}.article-layout{display:grid;grid-template-columns:minmax(0,790px) 245px;gap:65px;padding-top:48px;padding-bottom:70px}.article-content{min-width:0}.article-content h2{font-size:28px;margin-top:48px}.article-content h2:first-child{margin-top:0}.article-content h3{font-size:20px;margin-top:30px}.article-content a{text-decoration:underline}.article-content p{margin-bottom:20px}.sidebar{align-self:start;position:sticky;top:110px;background:var(--paper);border:1px solid var(--line);border-radius:9px;padding:23px;font-size:13px}.sidebar h2{font-size:12px;letter-spacing:1px;text-transform:uppercase}.sidebar a{display:block;padding:9px 0;font-weight:600;border-bottom:1px solid var(--line);line-height:1.6}.sidebar a:last-child{border:0}.aside-fine{font-size:11px;margin-top:20px}.calc-grid{display:grid;grid-template-columns:1.15fr 1fr;gap:35px;margin-top:30px}.calculator-card{border:1px solid var(--line);padding:30px;border-radius:10px;background:#fff}.calculator-card h3{font-size:18px;margin-bottom:20px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.field 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8px;overflow-wrap:anywhere}.result-label{font-size:12px;text-transform:uppercase;letter-spacing:1px}.breakdown{margin-top:28px;padding-top:18px;border-top:1px solid #3a5e55}.breakdown .price-line{font-size:12px}.breakdown strong{color:white;font-size:15px;letter-spacing:0}.spark-result{padding-top:17px;border-top:1px solid #3a5e55;font-size:13px;margin-top:22px}.result-card .fine{color:#c3dad1;font-size:11px;line-height:1.8;margin:24px 0 0}.fine{font-size:12px;color:#546b71}.error{font-size:13px;color:#a32222;margin-top:10px}.formula{white-space:pre-wrap;padding:22px;background:#17362f;color:#e8f4ef;border-radius:8px;font-size:13px;line-height:1.8;overflow-wrap:anywhere}.formula code{background:transparent;color:inherit;padding:0}.site-footer{padding:45px 0 24px;background:#f2f6f4;border-top:1px solid var(--line)}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px}.footer-grid p{font-size:12px;max-width:370px;margin-top:16px}.footer-grid 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@media(min-width:1400px){.container{max-width:1200px}}@media(max-width:1100px){.hero-grid{gap:35px}.article-layout{gap:35px;grid-template-columns:minmax(0,1fr) 210px}.nav-links{gap:18px}}@media(max-width:899px){.menu-toggle{display:block}.navbar{padding:14px 0}.nav-links{width:100%;flex-direction:column;gap:0;align-items:stretch;padding-top:10px}.nav-links a{padding:8px 10px}.nav-cta{border:0;padding:8px 10px}.hero{padding:44px 0 35px}.hero-grid{grid-template-columns:1fr;gap:32px}.hero h1{max-width:650px}.quote-card{max-width:600px}.grid-3{grid-template-columns:1fr}.grid-2,.research-grid,.calc-grid{grid-template-columns:1fr}.section{padding:44px 0}.article-layout{grid-template-columns:1fr;padding-top:32px}.sidebar{position:static}.research-grid{gap:24px}.footer-grid{grid-template-columns:1fr 1fr}.footer-brand{grid-column:1/-1}.big-price{font-size:40px}.ud-single-pricing{padding:24px}.calc-grid{gap:22px}.page-hero{padding:35px 0 30px}}@media(max-width:479px){.container{padding-left:20px;padding-right:20px}.hero .lead,.page-hero p{font-size:16px}.hero h1{font-size:42px}.meta-strip{gap:8px 15px}.quote-body,.quote-top,.quote-bottom{padding-left:20px;padding-right:20px}.grid-2{gap:18px}.calculator-card{padding:23px}.form-grid{grid-template-columns:1fr}.form-grid .field{grid-column:auto}.result-total{font-size:44px}.actions .ud-main-btn{width:100%}.footer-grid{gap:25px}.brand{font-size:16px}.article-content h2{font-size:25px}.quick-nav{gap:20px}.callout{padding:20px}.price-line strong{font-size:22px}.breakdown strong{font-size:14px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}

.container{width:100%;margin-inline:auto}.table-wrap:focus-visible{outline:3px solid #b65a00;outline-offset:4px}
.ad-stack{padding-inline:10px}.ad-unit-banner{width:300px;max-width:none;min-height:275px}.ad-unit-banner iframe{display:block;border:0;width:300px;height:250px}
.guide-directory{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,260px),1fr));gap:18px;margin:24px 0}.guide-directory .guide-card{display:flex;flex-direction:column;height:100%;padding:26px}.guide-directory .text-link{margin-top:auto}.hub-action{margin-top:28px}.article-toc{display:flex;flex-wrap:wrap;gap:10px 20px;background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:20px;margin-bottom:38px}.article-toc strong{width:100%;color:var(--ink)}.article-toc a{display:inline-flex;align-items:center;min-height:44px;line-height:1.4}.article-content section{margin-bottom:38px;scroll-margin-top:110px}.article-content pre{max-width:100%;overflow-x:auto;white-space:pre;background:#102e32;color:#e5f6ee;padding:22px;border-radius:12px;line-height:1.7;font-size:14px}.article-content pre code{background:none;color:inherit;padding:0;overflow-wrap:normal}.article-content pre:focus-visible{outline:3px solid #b65a00;outline-offset:4px}.guide-evidence,.guide-next{padding-top:25px;border-top:1px solid var(--line)}.guide-evidence p{font-size:14px}.breadcrumb a{display:inline-block;min-height:30px}.guide-directory h3{font-size:1.25rem;line-height:1.35}