@font-face{font-family:"Lora";src:url(/fonts/lora-700.woff2) format("woff2");font-weight:700;font-display:swap}
:root{--teal:#0f5560;--teal-d:#0a3d45;--teal-l:#e3efee;--gold:#e3a83b;--gold-d:#8a5d0c;--gold-l:#fbe8c2;--cream:#fff7e6;--paper:#fffdf8;--ink:#17323a;--muted:#4c6168;--line:#e6dcc6;--ok:#1d6b45;--warn:#9a3412;--r:14px;--shadow:0 1px 2px rgba(15,85,96,.06),0 8px 24px rgba(15,85,96,.08);
--serif:"Lora",Georgia,"Times New Roman",serif;--sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.6 var(--sans);color:var(--ink);background:var(--cream)}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal);text-underline-offset:2px}a:hover{color:var(--teal-d)}
h1,h2,h3{font-family:var(--serif);line-height:1.2;color:var(--teal-d);margin:0 0 .5em}
h1{font-size:clamp(1.9rem,4.5vw,2.9rem)}h2{font-size:clamp(1.4rem,3vw,1.9rem)}h3{font-size:1.15rem}
p{margin:0 0 1em}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--teal);color:#fff;padding:8px 12px;z-index:10}.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
/* header */
.site-head{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--teal-d);font:700 1.3rem var(--serif)}
.brand img{width:40px;height:40px;border-radius:10px}
.brand span b{color:var(--gold-d)}
.nav{display:flex;gap:4px;flex-wrap:wrap}
.nav a{padding:8px 12px;border-radius:999px;text-decoration:none;color:var(--ink);font-weight:500;font-size:.95rem}
.nav a:hover,.nav a[aria-current=page]{background:var(--teal-l);color:var(--teal-d)}
.nav a.cta{background:var(--teal);color:#fff}.nav a.cta:hover{background:var(--teal-d);color:#fff}
.menu-btn{display:none}
@media (max-width:820px){.menu-btn{display:inline-flex;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 12px;font:inherit;color:var(--ink)}
.nav{display:none;position:absolute;top:64px;left:0;right:0;background:var(--paper);flex-direction:column;padding:10px 20px 16px;border-bottom:1px solid var(--line)}
.nav.open{display:flex}}
/* hero */
.hero{padding:44px 0 20px}
.hero .wrap{display:grid;grid-template-columns:1.35fr .65fr;gap:28px;align-items:center}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-d);background:var(--gold-l);padding:4px 10px;border-radius:999px;margin-bottom:12px}
.lede{font-size:1.15rem;color:var(--muted);max-width:60ch}
.hero-owl{justify-self:center;max-width:260px;border-radius:28px;box-shadow:var(--shadow)}
@media (max-width:820px){.hero .wrap{grid-template-columns:1fr}.hero-owl{max-width:170px;order:-1}}
/* cards & layout */
.section{padding:28px 0}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);padding:22px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:22px}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media (max-width:900px){.grid2,.grid3{grid-template-columns:1fr}}
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:22px;align-items:start}
@media (max-width:900px){.calc{grid-template-columns:1fr}}
fieldset{border:0;padding:0;margin:0 0 6px;min-width:0;min-inline-size:0}.field{min-width:0}legend{font-weight:700;color:var(--teal-d);margin-bottom:8px;font-family:var(--serif);font-size:1.05rem}
.fields{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:12px 14px}
@media (max-width:480px){.fields{grid-template-columns:1fr}}
.field label{display:block;font-size:.88rem;font-weight:600;margin-bottom:4px}
.field .hint{display:block;font-size:.78rem;color:var(--muted);font-weight:400}
.inp{display:flex;align-items:center;border:1.5px solid #d6cbb3;border-radius:10px;background:#fff;overflow:hidden}
.inp:focus-within{border-color:var(--teal);box-shadow:0 0 0 3px rgba(15,85,96,.15)}
.inp span{padding:0 10px;color:var(--muted);font-size:.95rem}
.inp input,.inp select{flex:1;min-width:0;width:100%;border:0;padding:10px 10px;font:inherit;background:transparent;color:var(--ink)}
.inp input:focus,.inp select:focus{outline:none}
.check{display:flex;gap:8px;align-items:center;font-size:.9rem}
.result-big{font:700 clamp(2.2rem,6vw,3.2rem)/1.05 var(--serif);color:var(--teal-d);margin:2px 0 4px}
.result-sub{color:var(--muted);margin-bottom:14px}
.chart-row{display:grid;grid-template-columns:180px 1fr;gap:18px;align-items:center}
@media (max-width:480px){.chart-row{grid-template-columns:1fr}.chart-row svg{max-width:200px;margin:0 auto}}
.legend{list-style:none;margin:0;padding:0;font-size:.93rem}
.legend li{display:flex;justify-content:space-between;gap:10px;padding:6px 0;border-bottom:1px dashed var(--line)}
.legend li:last-child{border:0}
.legend i{display:inline-block;width:11px;height:11px;border-radius:3px;margin-right:8px;vertical-align:-1px}
.legend .tot{font-weight:700;border-top:2px solid var(--teal);border-bottom:0;margin-top:4px}
.tip{display:flex;gap:12px;align-items:flex-start;background:var(--gold-l);border-radius:12px;padding:12px 14px;margin-top:16px;font-size:.93rem}
.tip img{width:44px;height:44px;border-radius:50%;flex:none;background:#fff}
.tip b{color:var(--gold-d)}
.pill{display:inline-block;background:var(--teal-l);color:var(--teal-d);border-radius:999px;padding:2px 10px;font-size:.8rem;font-weight:600}
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--teal);color:#fff;border:0;border-radius:999px;padding:12px 22px;font:600 1rem var(--sans);text-decoration:none;cursor:pointer}
.btn:hover{background:var(--teal-d);color:#fff}.btn.gold{background:var(--gold);color:#3a2604}.btn.gold:hover{background:#cf9428;color:#2a1b02}
.btn.ghost{background:transparent;color:var(--teal);border:1.5px solid var(--teal)}
.kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:16px 0}
@media (max-width:820px){.kpis{grid-template-columns:1fr 1fr}}
.kpi{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:14px}
.kpi b{display:block;font:700 1.35rem var(--serif);color:var(--teal-d)}.kpi small{color:var(--muted);font-size:.8rem}
.tools{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}@media (max-width:820px){.tools{grid-template-columns:1fr}}
.tools a{display:block;text-decoration:none;color:inherit}.tools a:hover .card{border-color:var(--teal)}
.newsletter{background:var(--teal);color:#fff;border-radius:var(--r);padding:26px;display:grid;grid-template-columns:auto 1fr;gap:22px;align-items:center}
.newsletter h2{color:#fff}.newsletter p{color:#d9ebe9}
.newsletter img{width:96px;height:96px;border-radius:50%;background:var(--cream)}
.newsletter form{display:flex;gap:10px;flex-wrap:wrap}
.newsletter input{flex:1 1 220px;border:0;border-radius:999px;padding:12px 16px;font:inherit}
.newsletter .msg{flex-basis:100%;font-size:.9rem;color:var(--gold-l);min-height:1.2em;margin:0}
@media (max-width:620px){.newsletter{grid-template-columns:1fr}.newsletter img{width:72px;height:72px}}
table{border-collapse:collapse;width:100%;font-size:.95rem}
th,td{text-align:left;padding:9px 10px;border-bottom:1px solid var(--line)}th{color:var(--teal-d);font-weight:700}
td.n,th.n{text-align:right;font-variant-numeric:tabular-nums}
.table-wrap{overflow-x:auto}
.faq details{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:12px 16px;margin-bottom:10px}
.faq summary{cursor:pointer;font-weight:700;color:var(--teal-d)}
.faq details p{margin:10px 0 0}
.sources{font-size:.88rem;color:var(--muted)}.sources li{margin-bottom:4px}
.crumbs{font-size:.88rem;color:var(--muted);margin:18px 0 0}.crumbs a{color:var(--muted)}
.prose{max-width:72ch}.prose h2{margin-top:1.4em}
.price-tag{font:700 2.6rem var(--serif);color:var(--teal-d)}
.ticks{list-style:none;padding:0}.ticks li{padding-left:28px;position:relative;margin-bottom:8px}
.ticks li::before{content:"";position:absolute;left:4px;top:.45em;width:12px;height:7px;border-left:3px solid var(--gold);border-bottom:3px solid var(--gold);transform:rotate(-45deg)}
.verdict{font:700 1.4rem var(--serif);color:var(--teal-d)}
.chart-lines{width:100%;height:auto}
.site-foot{margin-top:40px;background:var(--teal-d);color:#cfe2e0;font-size:.92rem}
.site-foot .wrap{padding-top:30px;padding-bottom:30px;display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:24px}
.site-foot a{color:#fff}.site-foot h3{color:var(--gold);font-size:1rem}
.site-foot ul{list-style:none;padding:0;margin:0}.site-foot li{margin-bottom:6px}
.site-foot .fine{grid-column:1/-1;border-top:1px solid rgba(255,255,255,.15);padding-top:14px;font-size:.8rem;color:#a9c7c4}
@media (max-width:720px){.site-foot .wrap{grid-template-columns:1fr}}
.muted{color:var(--muted)}.small{font-size:.86rem}.center{text-align:center}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.city-list{columns:3 220px;padding-left:18px}.city-list li{margin-bottom:6px;break-inside:avoid}
@media (prefers-reduced-motion:no-preference){.legend li,.result-big{transition:color .2s}}
@media print{.site-head,.site-foot,.newsletter,.nav{display:none}}
/* launch teasers */
.teaser{display:grid;grid-template-columns:auto 1fr auto;gap:16px;align-items:center;background:var(--gold-l);border:1px solid #f0d49a;border-radius:var(--r);padding:16px 20px}
.teaser img{width:56px;height:56px;border-radius:50%;background:#fff}
.teaser h2{font-size:1.2rem;margin:0 0 2px}.teaser p{margin:0;color:var(--ink);font-size:.95rem}
.teaser .btn{padding:10px 18px;white-space:nowrap;background:var(--paper)}
@media (max-width:620px){.teaser{grid-template-columns:auto 1fr}.teaser .btn{grid-column:1/-1;justify-content:center}}
.teaser-strip{padding-top:4px}
.cn-free{background:var(--teal-l);border-radius:12px;padding:10px 14px;max-width:60ch}
.cn-card{display:flex;flex-direction:column}.cn-card h2{font-size:1.45rem;margin-top:10px}
.cn-status{align-self:flex-start;background:var(--gold-l);color:var(--gold-d)}
.cn-line{font-weight:600;color:var(--teal-d)}.cn-card .ticks{margin:0 0 8px}.cn-note{margin-top:auto;border-top:1px dashed var(--line);padding-top:10px}
.cn-picks{margin:14px 0 0}.cn-picks-h{margin:0 0 8px;color:#fff}
.cn-checks{display:flex;flex-wrap:wrap;gap:8px 10px}
.cn-chip{display:inline-flex;align-items:center;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.35);border-radius:999px;padding:8px 16px;font-weight:600;min-height:44px;color:#fff;text-decoration:none}
.cn-chip:hover,.cn-chip:focus-visible{background:rgba(255,255,255,.2);color:#fff}
.cn-vote-row{margin:12px 0 0}.cn-vote{padding:9px 16px;font-size:.92rem}
/* beehiiv embed (iframe injected by beehiiv's loader) */
.bh-embed{background:#fff;border-radius:14px;overflow:hidden;min-height:var(--bh-h,300px);margin-top:6px;position:relative}
.bh-embed iframe{display:block;width:100%!important;max-width:100%;border:0}
.bh-loading{margin:0;padding:16px 18px;color:var(--muted)!important}.bh-ready .bh-loading{display:none}
.bh-embed noscript p{color:var(--ink)!important;padding:0 18px 16px;margin:0}
@media (min-width:821px) and (max-width:1000px){.nav a.nav-next{display:none}}
.est-note{font-size:.8rem;color:var(--muted);margin:10px 0 0;padding-top:8px;border-top:1px dashed var(--line)}.est-note a{color:var(--muted)}
.planner-disc{max-width:60ch;margin-top:8px;font-size:.78rem}
.site-foot .fine a{color:#e6f1ef}
.newsletter{--bh-h:340px}
@media (max-width:620px){.newsletter{padding:20px 16px;--bh-h:480px}.newsletter .bh-embed{margin-left:-8px;margin-right:-8px;border-radius:12px}}
/* ---- Sterling says: tips, glossary, greeting ---- */
.stip{min-height:7.6rem;position:relative}
.stip-body{flex:1;min-width:0}
.stip-text{margin:0}
.stip-next{margin-top:6px;background:none;border:0;padding:4px 0;font:inherit;font-size:.85rem;font-weight:600;color:var(--teal,#0f5560);text-decoration:underline;text-underline-offset:3px;cursor:pointer}
.stip-next:focus-visible,.gl:focus-visible,.gl-q:focus-visible,.sterling-greet button:focus-visible,.linkish:focus-visible{outline:3px solid var(--gold-d,#8a5a00);outline-offset:2px;border-radius:4px}
.field.has-gl{position:relative}.field.has-gl>label{padding-right:30px}
.gl-q{position:absolute;top:0;right:0;width:22px;height:22px;border-radius:50%;border:1.5px solid var(--teal,#0f5560);background:#fff;color:var(--teal,#0f5560);font:700 .75rem/1 system-ui,sans-serif;cursor:pointer;padding:0;display:inline-grid;place-items:center}
span.gl-q{position:static;display:inline-grid;vertical-align:middle}
.gl{background:none;border:0;padding:0;font:inherit;color:inherit;text-decoration:underline dotted;text-underline-offset:3px;cursor:help}
.gl-pop{position:absolute;z-index:40;background:#fff;color:#1d2b2f;border:1px solid #d9cfb8;border-left:4px solid var(--gold,#e3a83b);border-radius:10px;padding:10px 12px;font-size:.88rem;line-height:1.45;box-shadow:0 8px 24px rgba(15,85,96,.18)}
.sterling-greet{position:fixed;right:16px;bottom:16px;z-index:30;max-width:300px;display:flex;gap:10px;align-items:flex-start;background:#fffaf0;border:1px solid #e8d9b5;border-radius:14px;padding:12px 34px 10px 12px;box-shadow:0 10px 30px rgba(15,85,96,.2);font-size:.84rem;line-height:1.45}
.sterling-greet img{width:36px;height:36px;border-radius:50%;flex:none;background:#fff}
.sterling-greet p{margin:0}.sg-btns{margin-top:6px!important;display:flex;gap:6px;flex-wrap:nowrap}
.sg-ok,.sg-hide{font:inherit;font-size:.78rem;border-radius:999px;padding:4px 10px;white-space:nowrap;cursor:pointer;border:1.5px solid var(--teal,#0f5560)}
.sg-ok{background:var(--teal,#0f5560);color:#fff}.sg-hide{background:#fff;color:var(--teal,#0f5560)}
.sg-x{position:absolute;top:6px;right:8px;background:none;border:0;font-size:1.25rem;line-height:1;color:#555;cursor:pointer;padding:4px}
.linkish{background:none;border:0;padding:0;font:inherit;color:inherit;text-decoration:underline;cursor:pointer}
html.sterling-off .tip,html.sterling-off .sterling-greet{display:none}
@media (max-width:600px){.stip{min-height:9.6rem}.sterling-greet{left:12px;right:12px;bottom:12px;max-width:none}}
@media (prefers-reduced-motion:no-preference){
.stip img{animation:kc-tilt 5s ease-in-out 1s 2;transform-origin:50% 80%}
.stip.stip-new .stip-text{animation:kc-in .35s ease-out}
.sterling-greet{animation:kc-in .4s ease-out}
.sterling-greet img{animation:kc-tilt 4s ease-in-out .6s 1;transform-origin:50% 80%}
@keyframes kc-tilt{0%,70%,100%{transform:rotate(0)}76%{transform:rotate(-9deg)}84%{transform:rotate(5deg)}90%{transform:scaleY(.92) rotate(0)}}
@keyframes kc-in{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
}

.tools.t4{grid-template-columns:repeat(4,1fr)}@media (max-width:1000px){.tools.t4{grid-template-columns:repeat(2,1fr)}}@media (max-width:620px){.tools.t4{grid-template-columns:1fr}}
.kpi small[data-out]{display:block;margin-top:2px}
.tools a .card{height:100%}