*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}:root{--navy:#0B1F4D;--navy-light:#16386E;--blue:#1A56DB;--blue-light:#E7EEFD;--orange:#F5821F;--orange-light:#FFA94D;--orange-muted:#FFF1E0;--green:#1AA877;--green-muted:#E8F8F1;--purple:#7C3AED;--purple-muted:#F1E9FE;--teal:#0D9488;--red:#DC2626;--white:#FFFFFF;--off-white:#F7F9FC;--text-body:#1F2937;--text-muted:#6B7280;--border:#E3E8F0;--radius:10px;--radius-lg:14px}html{scroll-behavior:smooth;overflow-x:hidden;width:100%}body{font-family:'Inter',sans-serif;font-size:16px;line-height:1.7;color:var(--text-body);background:var(--white);overflow-x:hidden;width:100%}nav{background:var(--white);padding:0 2rem;display:flex;flex-wrap:wrap;justify-content:center;position:sticky;top:0;z-index:100;border-bottom:1px solid var(--border)}.nav-inner{max-width:1240px;width:100%;height:66px;display:flex;align-items:center;justify-content:space-between}.mobile-nav-panel{width:100%}.nav-left{display:flex;flex-direction:column;justify-content:center}.nav-brand{font-weight:800;font-size:1.25rem;color:var(--navy);text-decoration:none;line-height:1.1}.nav-brand span{color:var(--blue)}.nav-tagline{font-size:0.68rem;color:var(--text-muted);font-weight:500}.nav-links{display:flex;gap:1.6rem;list-style:none;align-items:center}.nav-links a{color:var(--text-body);text-decoration:none;font-size:0.9rem;font-weight:500;transition:color 0.2s;padding-bottom:4px;border-bottom:2px solid transparent}.nav-links a:hover,.nav-links a.active{color:var(--blue);border-bottom-color:var(--blue)}.nav-search{display:flex;align-items:center;background:var(--off-white);border:1px solid var(--border);border-radius:8px;padding:0.45rem 0.8rem;gap:6px;font-size:0.82rem;color:var(--text-muted);min-width:200px}.nav-all-categories{color:var(--white);background:var(--blue);text-decoration:none;font-size:0.84rem;font-weight:600;padding:0.55rem 1.1rem;border-radius:8px;white-space:nowrap;transition:background 0.2s}.nav-all-categories:hover{background:var(--navy)}@media (max-width:880px){.nav-all-categories{display:none}}.subnav{background:var(--white);border-bottom:1px solid var(--border);padding:0 2rem;display:flex;justify-content:center}.subnav-inner{max-width:1240px;width:100%;display:flex;gap:1.6rem;overflow-x:auto;white-space:nowrap}.subnav a{color:var(--text-muted);text-decoration:none;font-size:0.84rem;font-weight:500;padding:0.75rem 0;border-bottom:2px solid transparent;display:inline-flex;align-items:center;gap:5px}.subnav a:hover{color:var(--blue)}.subnav a.active{color:var(--blue);border-bottom-color:var(--blue);font-weight:600}.hero{background:var(--white);padding:3rem 2rem 2.5rem}.hero-inner{max-width:1240px;margin:0 auto;display:grid;grid-template-columns:1.05fr 0.95fr;gap:2.5rem;align-items:center}.hero h1{font-weight:800;font-size:clamp(1.9rem,3.6vw,2.6rem);line-height:1.2;color:var(--navy);margin-bottom:1rem}.hero h1 em{color:var(--blue);font-style:normal}.hero-sub{font-size:1rem;color:var(--text-muted);max-width:480px;margin-bottom:1.5rem}.hero-search{max-width:540px;display:flex;gap:0;border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;background:var(--white)}.hero-search input{flex:1;padding:0.9rem 1.1rem;font-size:0.95rem;border:none;outline:none;color:var(--text-body)}.hero-search input::placeholder{color:var(--text-muted)}.hero-search button{background:var(--blue);color:var(--white);border:none;padding:0 1.6rem;font-weight:600;font-size:0.9rem;cursor:pointer;transition:background 0.2s}.hero-search button:hover{background:var(--navy-light)}.hero-visual{border-radius:var(--radius-lg);overflow:hidden;height:260px;display:flex;align-items:center;justify-content:center;position:relative}.hero-visual svg{width:100%;height:100%;display:block}.stats-bar{max-width:1240px;margin:0 auto 2.5rem;background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:0 4px 16px rgba(11,31,77,0.06);display:grid;grid-template-columns:repeat(5,1fr);padding:1.1rem 0.5rem}.stat-item{text-align:center;display:flex;flex-direction:column;align-items:center;gap:4px;padding:0 0.4rem}.stat-icon{font-size:1.3rem;line-height:1;margin-bottom:2px}.stat-number{font-size:1.15rem;font-weight:800;color:var(--navy)}.stat-label{font-size:0.72rem;color:var(--text-muted)}.section{padding:0 2rem 3rem;max-width:1240px;margin:0 auto}.section h2{font-size:1.4rem;font-weight:800;color:var(--navy);margin-bottom:0.3rem}.section-intro{color:var(--text-muted);margin-bottom:1.75rem;max-width:600px;font-size:0.92rem}.categories-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.1rem}@media (max-width:980px){.categories-grid{grid-template-columns:repeat(3,1fr)}}@media (max-width:600px){.categories-grid{grid-template-columns:1fr}}.categories-grid-3x3{grid-template-columns:repeat(3,1fr)}@media (max-width:980px){.categories-grid-3x3{grid-template-columns:repeat(3,1fr)}}@media (max-width:600px){.categories-grid-3x3{grid-template-columns:1fr}}.categories-grid-5x3{grid-template-columns:repeat(5,1fr);max-width:1240px;margin:0 auto}@media (max-width:1180px){.categories-grid-5x3{grid-template-columns:repeat(3,1fr)}}@media (max-width:760px){.categories-grid-5x3{grid-template-columns:repeat(3,1fr)}}@media (max-width:460px){.categories-grid-5x3{grid-template-columns:1fr}}.home-layout{padding-top:2.25rem}.start-here-section{padding-top:2.5rem;padding-bottom:0}.start-here-section h2{font-size:1.3rem;margin-bottom:1.25rem}.start-here-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:1rem}@media (max-width:1100px){.start-here-grid{grid-template-columns:repeat(3,1fr)}}@media (max-width:700px){.start-here-grid{grid-template-columns:repeat(3,1fr)}}@media (max-width:460px){.start-here-grid{grid-template-columns:1fr}}.start-here-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.4rem 1.3rem;text-decoration:none;display:block;transition:box-shadow 0.2s,transform 0.2s;position:relative}.start-here-card:hover{box-shadow:0 10px 24px rgba(11,31,77,0.10);transform:translateY(-2px)}.start-here-icon{width:44px;height:44px;border-radius:50%;background:var(--blue-light);display:flex;align-items:center;justify-content:center;font-size:1.2rem;margin-bottom:0.9rem}.start-here-card h3{font-size:0.96rem;font-weight:800;color:var(--navy);margin-bottom:0.35rem}.start-here-card p{font-size:0.8rem;color:var(--text-muted);line-height:1.4;margin-bottom:1rem}.start-here-arrow{color:var(--blue);font-weight:700}.popular-cats-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:1.1rem}.popular-cats-header h2{font-size:1.3rem;margin-bottom:0}.view-all-link{font-size:0.85rem;color:var(--blue);font-weight:600;text-decoration:none}.popular-cats-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1rem}@media (max-width:980px){.popular-cats-grid{grid-template-columns:repeat(3,1fr)}}@media (max-width:600px){.popular-cats-grid{grid-template-columns:1fr}}.popular-cat-card{background:var(--white);border:1px solid var(--border);border-top:3px solid var(--blue);border-radius:var(--radius-lg);padding:1.3rem;text-decoration:none;display:block;transition:box-shadow 0.2s,transform 0.2s}.popular-cat-card:hover{box-shadow:0 10px 24px rgba(11,31,77,0.10);transform:translateY(-2px)}.trending-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:0.85rem}.trending-header h4{margin-bottom:0}.trending-badge{font-size:0.68rem;font-weight:700;color:var(--text-muted);background:var(--off-white);border:1px solid var(--border);border-radius:20px;padding:0.2rem 0.6rem}.trending-q{display:flex;align-items:flex-start;gap:0.6rem;padding:0.6rem 0;border-bottom:1px solid var(--border);text-decoration:none;color:var(--navy);transition:color 0.15s}.trending-q:last-of-type{border-bottom:none}.trending-q:hover{color:var(--blue)}.trending-rank{flex-shrink:0;width:20px;height:20px;border-radius:50%;background:var(--blue-light);color:var(--blue);font-size:0.72rem;font-weight:800;display:flex;align-items:center;justify-content:center;margin-top:1px}.trending-q-text{flex:1;font-size:0.84rem;line-height:1.4}.trending-views{display:block;font-size:0.72rem;color:var(--text-muted);margin-top:2px}.trending-q .arr{color:var(--blue);flex-shrink:0;font-size:0.8rem}.topics-month-section{padding-top:0}.topics-month-box{max-width:1240px;margin:0 auto;background:var(--off-white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.4rem 1.6rem;display:flex;align-items:flex-start;gap:1.1rem}.topics-month-icon{width:40px;height:40px;border-radius:50%;background:var(--blue-light);display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0}.topics-month-text h4{font-size:0.95rem;font-weight:800;color:var(--navy);margin-bottom:0.7rem}.category-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.4rem;transition:box-shadow 0.2s,transform 0.2s;text-decoration:none;display:block}.category-card:hover{box-shadow:0 10px 24px rgba(11,31,77,0.10);transform:translateY(-2px)}.cat-icon{width:42px;height:42px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.25rem;margin-bottom:0.85rem}.category-card h3{font-size:0.98rem;font-weight:700;color:var(--navy);margin-bottom:0.15rem}.cat-count-text{font-size:0.78rem;font-weight:700;margin-bottom:0.75rem}.cat-question-list{list-style:none;margin-bottom:0.9rem}.cat-question-list li{font-size:0.8rem;color:var(--text-muted);padding:0.18rem 0;display:flex;gap:6px;align-items:flex-start}.cat-question-list li .v{color:var(--green);flex-shrink:0;font-weight:700}.cat-count-link{display:inline-flex;align-items:center;gap:4px;font-size:0.82rem;font-weight:700;text-decoration:none}.trust-badges-row{display:flex;flex-wrap:wrap;justify-content:space-between;gap:1rem;border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.25rem 1.5rem;margin-bottom:3rem}.trust-badge{display:flex;align-items:center;gap:10px;font-size:0.82rem;flex:1;min-width:140px}.trust-badge .ico{font-size:1.3rem;color:var(--blue);flex-shrink:0}.trust-badge strong{display:block;color:var(--navy);font-weight:700;font-size:0.84rem}.trust-badge .sub{color:var(--text-muted);font-size:0.76rem}.bottom-grid{display:grid;grid-template-columns:1fr 1.3fr 1fr;gap:1.5rem;margin-bottom:3rem}@media (max-width:900px){.bottom-grid{grid-template-columns:1fr}}.bottom-box{background:var(--off-white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.5rem}.bottom-box h3{font-size:1rem;font-weight:800;color:var(--navy);margin-bottom:1rem;display:flex;justify-content:space-between;align-items:center}.bottom-box h3 a{font-size:0.78rem;color:var(--blue);font-weight:600;text-decoration:none}.topic-pills{display:flex;flex-wrap:wrap;gap:0.5rem}.topic-pill{background:var(--white);border:1px solid var(--border);border-radius:20px;padding:0.4rem 0.9rem;font-size:0.78rem;color:var(--navy);text-decoration:none}.faq-mini{border-bottom:1px solid var(--border);padding:0.6rem 0}.faq-mini:last-child{border-bottom:none}.faq-mini summary{font-size:0.85rem;font-weight:600;color:var(--navy);cursor:pointer;list-style:none}.faq-mini summary::-webkit-details-marker{display:none}.faq-mini p{font-size:0.8rem;color:var(--text-muted);margin-top:0.5rem}.about-box p{font-size:0.85rem;color:var(--text-muted)}.questions-list{display:flex;flex-direction:column;gap:0.7rem}.question-item{background:var(--white);border:1px solid var(--border);border-left:3px solid var(--blue);border-radius:0 var(--radius) var(--radius) 0;padding:0.9rem 1.2rem;cursor:pointer;display:flex;justify-content:space-between;align-items:center;transition:background 0.15s;text-decoration:none}.question-item:hover{background:var(--off-white)}.question-item span{font-size:0.92rem;color:var(--navy);font-weight:500}.question-item .arrow{color:var(--blue);font-size:1.1rem;flex-shrink:0;margin-left:1rem}.divider{border:none;border-top:1px solid var(--border);margin:0 2rem}.cat-hero{background:linear-gradient(135deg,var(--navy) 0%,#0B1F4D 100%);padding:2.75rem 2rem}.cat-hero-inner{max-width:1240px;margin:0 auto;display:grid;grid-template-columns:1fr 420px;align-items:center;gap:2rem}@media (max-width:880px){.cat-hero-inner{grid-template-columns:1fr}.cat-hero-visual{display:none}}.cat-hero .back-btn{background:none;border:none;color:var(--blue-light);font-size:0.84rem;cursor:pointer;margin-bottom:0.9rem;display:inline-flex;align-items:center;gap:6px;padding:0;text-decoration:none}.cat-hero h1{font-size:2.1rem;font-weight:800;color:var(--white);margin-bottom:0.6rem;display:flex;align-items:center;gap:12px}.cat-hero h1 em{color:#7FB0FF;font-style:normal}.home-hero .cat-hero-text{display:block}.home-hero-tagline{font-size:1.71rem;font-weight:600;color:#3B7CF5;margin:0.3rem 0 0.8rem;line-height:1.15}.home-hero h1{display:block;font-size:2.5rem;line-height:1.25}.cat-hero p{color:rgba(255,255,255,0.72);font-size:0.98rem;margin-bottom:1.5rem}
.home-hero .cat-hero p{max-width:100%}.home-hero-desc{font-size:0.833rem}.cat-hero-stats{display:flex;gap:2rem;flex-wrap:wrap}.cat-hero-stat{display:flex;align-items:center;gap:0.6rem}.cat-hero-stat .ico{font-size:1.3rem}.cat-hero-stat strong{display:block;color:var(--white);font-size:0.92rem;font-weight:700}.cat-hero-stat .sub{display:block;color:rgba(255,255,255,0.6);font-size:0.76rem}.cat-hero-visual svg{width:100%;height:auto;display:block}.home-hero-photo img{width:100%;height:297px;display:block;border-radius:var(--radius-lg);box-shadow:0 12px 36px rgba(0,0,0,0.35);object-fit:cover}.questions-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(290px,1fr));gap:1rem;max-width:1240px;margin:1.75rem auto 0;padding:0 2rem 3rem}.q-card{background:var(--navy);border:1px solid var(--navy);border-radius:var(--radius-lg);padding:1.2rem;cursor:pointer;transition:box-shadow 0.2s,transform 0.15s,border-color 0.2s;text-decoration:none;display:block}.q-card:hover{box-shadow:0 8px 24px rgba(11,31,77,0.25);transform:translateY(-2px);border-color:#7FB0FF}.q-card .q-tag{font-size:0.68rem;font-weight:700;letter-spacing:0.05em;text-transform:uppercase;color:#7FB0FF;margin-bottom:0.45rem}.q-card h2{font-size:0.94rem;font-weight:700;color:#fff;line-height:1.4}.q-card .q-preview{font-size:0.8rem;color:rgba(255,255,255,0.75);margin-top:0.45rem;line-height:1.5}.qa-layout{display:grid;grid-template-columns:1fr 320px;gap:2.5rem;max-width:1240px;margin:0 auto;padding:1.75rem 2rem 3rem}@media (max-width:880px){.qa-layout{grid-template-columns:1fr}.nav-links{display:none}.nav-search{display:none}.subnav{display:none}.hero-inner{grid-template-columns:1fr}.hero-visual{display:none}.stats-bar{grid-template-columns:repeat(3,1fr);row-gap:1rem}.categories-grid{grid-template-columns:1fr}}.nav-burger{display:none;flex-direction:column;justify-content:center;gap:5px;width:38px;height:38px;background:none;border:1px solid var(--border);border-radius:8px;cursor:pointer;padding:0;align-items:center}.nav-burger span{display:block;width:18px;height:2px;background:var(--navy);border-radius:2px;transition:transform 0.2s,opacity 0.2s}.nav-burger.is-active span:nth-child(1){transform:translateY(7px) rotate(45deg)}.nav-burger.is-active span:nth-child(2){opacity:0}.nav-burger.is-active span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}.mobile-nav-panel{display:none;flex-direction:column;max-height:0;overflow:hidden;transition:max-height 0.25s ease;background:var(--white);border-top:1px solid var(--border)}.mobile-nav-panel.open{max-height:80vh;overflow-y:auto}.mobile-nav-search{display:flex;align-items:center;gap:8px;background:var(--off-white);border:1px solid var(--border);border-radius:8px;padding:0.7rem 0.9rem;margin:1rem 1.25rem 0.5rem}.mobile-nav-search input{background:none;border:none;outline:none;font-size:0.92rem;width:100%;color:var(--text-body)}.mobile-nav-categories-btn{display:block;margin:0.5rem 1.25rem 0.75rem;background:var(--blue);color:var(--white);text-decoration:none;text-align:center;font-weight:700;font-size:0.92rem;padding:0.75rem;border-radius:8px}.mobile-nav-links{list-style:none;margin:0 0 1rem;padding:0 1.25rem}.mobile-nav-links li{border-bottom:1px solid var(--border)}.mobile-nav-links li:last-child{border-bottom:none}.mobile-nav-links a{display:block;padding:0.85rem 0;color:var(--navy);text-decoration:none;font-size:0.95rem;font-weight:600}.mobile-nav-links a:hover{color:var(--blue)}@media (max-width:880px){.nav-burger{display:flex}.mobile-nav-panel{display:flex}}.qa-breadcrumb{font-size:0.8rem;color:var(--text-muted);margin-bottom:1rem;display:flex;align-items:center;gap:6px;flex-wrap:wrap}.qa-breadcrumb a{color:var(--blue);text-decoration:none;cursor:pointer}.qa-breadcrumb a:hover{text-decoration:underline}.qa-question{font-size:1.75rem;font-weight:800;color:var(--navy);line-height:1.25;margin-bottom:0.6rem}.qa-meta{display:flex;gap:0.7rem;align-items:center;font-size:0.78rem;color:var(--text-muted);margin-bottom:1.5rem;flex-wrap:wrap}.qa-meta .cat-emoji{font-size:0.95rem}.badge{font-size:0.72rem;font-weight:700;padding:3px 10px;border-radius:5px}.badge-blue{background:var(--blue-light);color:var(--blue)}.badge-green{background:var(--green-muted);color:var(--green)}.qa-hero .qa-breadcrumb{color:rgba(255,255,255,0.6);margin-bottom:1.1rem}.qa-hero .qa-breadcrumb a{color:#BFD8FF}.qa-hero .qa-question{color:var(--white);font-size:2rem;margin-bottom:0.9rem}.qa-hero .qa-meta{color:rgba(255,255,255,0.65);margin-bottom:0}.qa-hero .badge-blue{background:rgba(127,176,255,0.18);color:#BFD8FF}.qa-hero .badge-green{background:rgba(76,201,160,0.18);color:#9CE8CF}.qa-hero .cat-hero-inner{grid-template-columns:1fr}.df-wrap{margin:1.4rem 0;padding:1.3rem;background:var(--off-white);border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden}.df-question{font-weight:700;color:var(--navy);text-align:center;padding:0.8rem 1rem;background:var(--white);border:1px solid var(--border);border-radius:var(--radius);font-size:0.92rem;line-height:1.4}.df-arrow-down{width:2px;height:22px;background:var(--border);margin:0 auto;position:relative}.df-arrow-down::after{content:"";position:absolute;bottom:-1px;left:50%;transform:translateX(-50%);border-left:5px solid transparent;border-right:5px solid transparent;border-top:7px solid var(--border)}.df-branches{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.df-branch{display:flex;flex-direction:column;align-items:center;min-width:0}.df-label-yes,.df-label-no{display:inline-block;font-weight:800;font-size:0.75rem;letter-spacing:0.03em;padding:0.25rem 0.8rem;border-radius:999px;margin-bottom:0.4rem}.df-label-yes{background:#EAF7EF;color:#16A34A}.df-label-no{background:#FDECEC;color:#DC2626}.df-branch-arrow{width:2px;height:16px;background:var(--border)}.df-outcome-yes,.df-outcome-no{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:0.7rem 0.8rem;font-size:0.82rem;line-height:1.45;color:var(--text-body);word-break:break-word;overflow-wrap:break-word;width:100%;box-sizing:border-box}.df-outcome-yes{border-left:3px solid #16A34A}.df-outcome-no{border-left:3px solid #DC2626}.df-caption{text-align:center;font-size:0.78rem;color:var(--text-muted);font-style:italic;margin:1rem 0 0}@media (max-width:520px){.df-branches{grid-template-columns:1fr}}.stat-box{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.4rem 1.5rem;margin-bottom:1.4rem;overflow:hidden}.stat-box-title{font-weight:800;color:var(--navy);font-size:1rem;margin:0 0 1rem}.stat-box-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:1rem 1.2rem}.stat-box-grid .stat-item{display:flex;flex-direction:column;gap:0.3rem;min-width:0;padding:0.7rem 0.8rem;border-radius:var(--radius);background:var(--off-white);border-left:3px solid var(--border);text-align:left;align-items:stretch}.stat-box-grid .stat-item.stat-warn{background:#FFF7E6;border-left-color:var(--orange)}.stat-box-grid .stat-item.stat-highlight{background:#EAF1FF;border-left-color:var(--blue)}.stat-box-grid .stat-value{font-size:1.25rem;font-weight:800;color:var(--navy);line-height:1.2;word-break:break-word;overflow-wrap:break-word}.stat-box-grid .stat-label{font-size:0.78rem;color:var(--text-muted);line-height:1.4;word-break:break-word;overflow-wrap:break-word}.stat-box-note{font-size:0.78rem;color:var(--text-muted);font-style:italic;margin:1rem 0 0}@media (max-width:480px){.stat-box-grid{grid-template-columns:1fr}}.answer-block{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.6rem;margin-bottom:1.4rem}.answer-block.highlight{border:1px solid var(--border);border-left:3px solid var(--blue);background:var(--off-white)}.answer-block.highlight h2{color:var(--navy);display:flex;align-items:center;gap:8px}.answer-block.highlight h2 .icon-circle{width:22px;height:22px;background:var(--blue);color:var(--white);border-radius:50%;display:inline-flex;align-items:center;justify-content:center;font-size:0.72rem;flex-shrink:0}.answer-block h2{font-size:1.02rem;font-weight:700;color:var(--navy);margin-bottom:0.7rem}.answer-block p{font-size:0.95rem;color:var(--text-body);margin-bottom:0.75rem}.answer-block p:last-child{margin-bottom:0}.answer-block ul{padding-left:1.25rem}.answer-block ul li{font-size:0.95rem;margin-bottom:0.4rem}.answer-block strong{color:var(--navy)}.risk-box{background:var(--blue-light);border:1px solid #C7D8F8;border-radius:var(--radius);padding:0.9rem 1.1rem;font-size:0.84rem;color:var(--navy);margin-bottom:1.4rem;display:flex;gap:10px;align-items:flex-start}.risk-box .icon{width:20px;height:20px;background:var(--blue);color:var(--white);border-radius:50%;display:inline-flex;align-items:center;justify-content:center;font-size:0.68rem;flex-shrink:0;margin-top:1px}.risk-box strong{color:var(--navy)}.toc{background:var(--off-white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.25rem 1.5rem;margin-bottom:1.75rem}.toc h2{font-size:0.8rem;font-weight:800;text-transform:uppercase;letter-spacing:0.04em;color:var(--navy);margin-bottom:0.9rem;display:flex;align-items:center;gap:7px}.toc ol{list-style:none;counter-reset:toc-counter;display:grid;grid-template-columns:1fr 1fr;gap:0.55rem 1.5rem}@media (max-width:600px){.toc ol{grid-template-columns:1fr}}.toc li{counter-increment:toc-counter;font-size:0.87rem;padding-left:1.3rem;position:relative}.toc li::before{content:counter(toc-counter);position:absolute;left:0;top:0;color:var(--blue);font-weight:700;font-size:0.84rem}.toc a,.toc li{overflow-wrap:break-word;word-break:break-word;max-width:100%}.toc a{color:var(--text-body);text-decoration:none}.toc a:hover{color:var(--blue);text-decoration:underline}.answer-block.qa-mistakes{border:1px solid var(--border);border-left:3px solid var(--red);background:var(--white)}.gloss-term{position:relative;border-bottom:1px dotted var(--blue);cursor:help;color:var(--blue);text-decoration:none;font-weight:inherit}.gloss-term:hover,.gloss-term:focus{outline:none;border-bottom-style:solid}.gloss-tip{position:absolute;left:50%;bottom:calc(100% + 9px);transform:translateX(-50%) translateY(4px);width:250px;max-width:80vw;background:var(--navy);color:var(--white);font-size:0.82rem;font-weight:400;line-height:1.5;padding:0.7rem 0.9rem;border-radius:8px;box-shadow:0 8px 20px rgba(11,31,77,0.25);opacity:0;visibility:hidden;transition:opacity 0.15s ease,transform 0.15s ease;z-index:40;text-align:left;pointer-events:none}.gloss-tip::after{content:"";position:absolute;top:100%;left:50%;transform:translateX(-50%);border:6px solid transparent;border-top-color:var(--navy)}.gloss-term:hover .gloss-tip,.gloss-term:focus .gloss-tip{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}.gloss-tip-more{display:block;margin-top:0.4rem;color:var(--blue-light);font-weight:600;font-size:0.78rem}@media (max-width:600px){.gloss-tip{width:220px}}.risk-indicator{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.4rem 1.6rem;margin-bottom:1.4rem;display:flex;align-items:center;gap:1.2rem;flex-wrap:wrap}.risk-indicator.risk-low{border-left:3px solid var(--green)}.risk-indicator.risk-medium{border-left:3px solid var(--orange)}.risk-indicator.risk-high{border-left:3px solid var(--red)}.risk-indicator-badge{display:inline-flex;align-items:center;gap:6px;padding:0.4rem 0.85rem;border-radius:999px;font-size:0.82rem;font-weight:700;white-space:nowrap;flex-shrink:0}.risk-low .risk-indicator-badge{background:var(--green-muted);color:var(--green)}.risk-medium .risk-indicator-badge{background:var(--orange-muted);color:var(--orange)}.risk-high .risk-indicator-badge{background:#FDE8E8;color:var(--red)}.risk-indicator-bar{flex-shrink:0;width:90px;height:8px;border-radius:999px;background:var(--off-white);overflow:hidden;display:flex}.risk-indicator-bar-fill{height:100%;border-radius:999px}.risk-low .risk-indicator-bar-fill{width:33%;background:var(--green)}.risk-medium .risk-indicator-bar-fill{width:66%;background:var(--orange)}.risk-high .risk-indicator-bar-fill{width:100%;background:var(--red)}.risk-indicator-text{font-size:0.92rem;color:var(--text-body);line-height:1.6;flex:1;min-width:200px}.risk-indicator-text strong{color:var(--navy)}.answer-block.qa-mistakes h2{color:var(--navy);display:flex;align-items:center;gap:8px}.answer-block.qa-mistakes h2 .icon-circle-mistake{width:22px;height:22px;background:var(--red);color:var(--white);border-radius:50%;display:inline-flex;align-items:center;justify-content:center;font-size:0.72rem;flex-shrink:0}.qa-mistakes-list{list-style:none;padding:0;margin:0}.qa-mistakes-list li{padding:0.55rem 0 0.55rem 1.6rem;border-bottom:1px solid var(--border);position:relative;font-size:0.95rem;color:var(--text-body)}.qa-mistakes-list li:last-child{border-bottom:none}.qa-mistakes-list li::before{content:"✕";position:absolute;left:0;top:0.55rem;color:var(--red);font-weight:700;font-size:0.8rem}.qa-mistakes-list li strong{color:var(--navy)}.qa-visual-explanation{max-width:850px;width:100%;margin:32px auto;background:#FFFFFF;border:1px solid #E5E7EB;border-radius:12px;box-shadow:0 4px 16px rgba(11,31,77,0.06);padding:24px;box-sizing:border-box}.qa-visual-explanation-title{text-align:center;font-size:1.02rem;font-weight:700;color:var(--navy);margin-bottom:1rem}.qa-visual-explanation-figure{margin:0;display:flex;justify-content:center}.qa-visual-explanation-img-wrap{width:100%;display:flex;justify-content:center;cursor:zoom-in}.qa-visual-explanation-img{width:100%;max-height:450px;object-fit:contain;border-radius:8px;display:block}.qa-visual-explanation-caption{text-align:center;font-size:0.88rem;color:var(--text-muted);margin-top:0.9rem;margin-bottom:0;line-height:1.5}@media (max-width:880px){.qa-visual-explanation{padding:16px;margin:24px auto}.qa-visual-explanation-img{max-height:320px}}.calc-promo-banner{background:var(--navy);border-radius:var(--radius-lg);padding:1.4rem 1.6rem;margin:0 auto 1.6rem auto;max-width:55%;display:flex;align-items:center;justify-content:space-between;gap:1.2rem;flex-wrap:wrap}@media (max-width:900px){.calc-promo-banner{max-width:100%}}.calc-promo-banner-text h2{color:var(--white);font-size:1.15rem;font-weight:800;margin-bottom:0.4rem}.calc-promo-banner-text p{color:rgba(255,255,255,0.78);font-size:0.88rem;line-height:1.5;margin:0}.calc-promo-banner-btn{display:inline-flex;align-items:center;gap:0.5rem;background:var(--orange);color:var(--navy);font-weight:700;font-size:0.88rem;padding:0.75rem 1.3rem;border-radius:var(--radius);text-decoration:none;white-space:nowrap;flex-shrink:0;transition:transform 0.15s,box-shadow 0.15s}.calc-promo-banner-btn:hover{transform:translateY(-1px);box-shadow:0 6px 16px rgba(0,0,0,0.18)}@media (max-width:560px){.calc-promo-banner{flex-direction:column;align-items:flex-start}}.answer-block.qa-insight{border:1px solid var(--border);border-left:3px solid var(--blue);background:var(--off-white)}.related-articles{background:var(--white);border:1px solid var(--border);border-left:3px solid var(--teal);border-radius:var(--radius-lg);padding:1.6rem;margin-bottom:1.4rem}.related-articles h3{font-size:1.02rem;font-weight:700;color:var(--navy);margin-bottom:0.9rem;display:flex;align-items:center;gap:8px}.related-articles h3::before{content:"↗";width:22px;height:22px;background:var(--teal);color:var(--white);border-radius:50%;display:inline-flex;align-items:center;justify-content:center;font-size:0.72rem;flex-shrink:0}.related-articles ul{list-style:none;padding-left:0;margin:0;display:flex;flex-direction:column;gap:0.55rem}.related-articles li{font-size:0.95rem}.related-articles a{color:var(--blue);text-decoration:none;font-weight:600}.related-articles a:hover{text-decoration:underline}.key-takeaways{background:var(--white);border:1px solid var(--border);border-left:3px solid var(--purple);border-radius:var(--radius-lg);padding:1.6rem;margin-bottom:1.4rem}.key-takeaways h3{font-size:1.02rem;font-weight:700;color:var(--navy);margin-bottom:0.9rem;display:flex;align-items:center;gap:8px}.key-takeaways h3::before{content:"✓";width:22px;height:22px;background:var(--purple);color:var(--white);border-radius:50%;display:inline-flex;align-items:center;justify-content:center;font-size:0.72rem;flex-shrink:0}.key-takeaways ol{padding-left:1.25rem;margin:0;display:flex;flex-direction:column;gap:0.5rem}.key-takeaways li{font-size:0.95rem;color:var(--text-body)}.answer-block.qa-insight h2{color:var(--navy);display:flex;align-items:center;gap:8px}.answer-block.qa-insight h2 .icon-circle-insight{width:22px;height:22px;background:var(--blue);color:var(--white);border-radius:50%;display:inline-flex;align-items:center;justify-content:center;font-size:0.72rem;flex-shrink:0}.answer-block.qa-insight p{color:var(--text-body)}.qa-table-wrap{overflow-x:auto;margin:0 0 1.25rem;border:1px solid var(--border);border-radius:var(--radius-lg)}.qa-table{width:100%;border-collapse:collapse;font-size:0.88rem;background:var(--white)}.qa-table caption{text-align:left;font-size:0.78rem;font-weight:700;color:var(--text-muted);text-transform:uppercase;letter-spacing:0.02em;padding:0.8rem 1rem 0.5rem}.qa-table th{background:var(--navy);color:var(--white);text-align:left;font-weight:700;padding:0.65rem 1rem;white-space:nowrap}.qa-table td{padding:0.65rem 1rem;border-bottom:1px solid var(--border);color:var(--text-body);vertical-align:top}.qa-table tr:last-child td{border-bottom:none}.qa-table tbody tr:nth-child(even){background:var(--off-white)}.qa-table tbody tr:hover{background:var(--blue-light)}.qa-table td strong{color:var(--navy)}.qa-diagram{padding:1.25rem 1.25rem 0.5rem}.qa-diagram-figure{margin:0}.qa-diagram-figure svg{width:100%;height:auto;display:block}.qa-diagram-figure figcaption{text-align:center;font-size:0.78rem;color:var(--text-muted);margin-top:0.6rem;padding-bottom:0.4rem}.continue-reading-btn{display:inline-flex;align-items:center;gap:6px;background:var(--white);border:1px solid var(--blue);color:var(--blue);font-size:0.85rem;font-weight:600;padding:0.55rem 1.1rem;border-radius:var(--radius);cursor:pointer;margin:0.5rem 0 1.5rem}.more-reading{background:var(--blue-light);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.3rem 1.5rem;margin:1.5rem 0}.more-reading h3{font-size:0.95rem;font-weight:800;color:var(--navy);margin-bottom:0.7rem}.more-reading-list{list-style:none;padding:0;margin:0}.more-reading-list li{margin-bottom:0.5rem}.more-reading-list li:last-child{margin-bottom:0}.more-reading-list a{color:var(--blue-dark);font-weight:600;font-size:0.9rem;text-decoration:none}.more-reading-list a:hover{text-decoration:underline}.takeaway-box{background:var(--navy);color:var(--white);border-radius:var(--radius-lg);padding:1.4rem 1.7rem;margin:1.5rem 0}.takeaway-box h3{font-size:0.78rem;text-transform:uppercase;letter-spacing:0.05em;color:var(--orange-light);margin-bottom:0.6rem;font-weight:700}.takeaway-box ul{padding-left:1.1rem}.takeaway-box li{font-size:0.92rem;margin-bottom:0.4rem;color:rgba(255,255,255,0.9)}.takeaway-box p{font-size:0.92rem;color:rgba(255,255,255,0.9)}.qa-sidebar .takeaway-box{padding:1.2rem 1.3rem;margin:0 0 1.25rem}.qa-sidebar .takeaway-box li{font-size:0.85rem}.sources-block{background:var(--off-white);border-color:var(--border)}.back-to-home{font-size:0.85rem;color:var(--text-muted);margin:1.2rem 0 0;padding-top:1rem;border-top:1px solid var(--border)}.back-to-home a{color:var(--blue);font-weight:600;text-decoration:none}.back-to-home a:hover{text-decoration:underline}.sources-intro{font-size:0.85rem;color:var(--text-muted);margin-bottom:0.8rem}.sources-list{list-style:none;padding:0;margin:0}.sources-list li{padding:0.4rem 0;border-bottom:1px solid var(--border)}.sources-list li:last-child{border-bottom:none}.sources-list a{color:var(--blue);text-decoration:none;font-size:0.88rem;font-weight:600}.sources-list a:hover{text-decoration:underline}.faq-block{margin-top:1.5rem}.faq-block > h2{font-size:1.2rem;font-weight:800;color:var(--navy);margin-bottom:1rem}.faq-item{border-bottom:1px solid var(--border);padding:0.9rem 0}.faq-item summary{font-weight:600;font-size:0.94rem;color:var(--navy);cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary::after{content:'+';color:var(--blue);font-size:1.2rem;flex-shrink:0;margin-left:1rem}.faq-item[open] summary::after{content:'\2212'}.faq-item p{font-size:0.89rem;color:var(--text-muted);margin-top:0.7rem;line-height:1.6}.compare-table{width:100%;border-collapse:collapse;margin:1.2rem 0;font-size:0.87rem}.compare-table th{background:var(--navy);color:var(--white);text-align:left;padding:0.6rem 0.85rem;font-weight:700}.compare-table td{padding:0.55rem 0.85rem;border-bottom:1px solid var(--border);color:var(--text-body)}.compare-table tr:nth-child(even) td{background:var(--off-white)}.review-strip{display:flex;gap:1.4rem;flex-wrap:wrap;font-size:0.76rem;color:var(--text-muted);padding:0.8rem 0;border-top:1px solid var(--border);border-bottom:1px solid var(--border);margin:1.4rem 0}.review-strip strong{color:var(--navy)}.legal-meta{font-size:0.82rem;color:var(--text-muted);margin-bottom:1.75rem;padding-bottom:1.25rem;border-bottom:1px solid var(--border)}.contact-form{display:flex;flex-direction:column;gap:0.4rem;max-width:520px}.contact-form label{font-size:0.82rem;font-weight:700;color:var(--navy);margin-top:0.6rem}.contact-form input,.contact-form select,.contact-form textarea{font-family:inherit;font-size:0.9rem;padding:0.65rem 0.8rem;border:1px solid var(--border);border-radius:var(--radius);background:var(--off-white);color:var(--text-body)}.contact-form textarea{resize:vertical}.contact-form button{margin-top:0.9rem}.contact-form-note{font-size:0.78rem;color:var(--text-muted);margin-top:0.8rem}.legal-intro{font-size:0.95rem;color:var(--text-body);margin-bottom:2rem;line-height:1.75}.legal-toc{background:var(--off-white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.25rem 1.5rem;margin-bottom:2rem}.legal-toc h2{font-size:0.8rem;font-weight:800;text-transform:uppercase;letter-spacing:0.04em;color:var(--navy);margin-bottom:0.85rem}.legal-toc ol{list-style:none;counter-reset:legal-toc-counter}.legal-toc li{counter-increment:legal-toc-counter;font-size:0.87rem;padding:0.25rem 0}.legal-toc li::before{content:counter(legal-toc-counter) ". ";color:var(--blue);font-weight:700}.legal-toc a{color:var(--text-body);text-decoration:none}.legal-toc a:hover{color:var(--blue);text-decoration:underline}.legal-section{margin-bottom:2.25rem}.legal-section h2{font-size:1.15rem;font-weight:800;color:var(--navy);margin-bottom:0.9rem;padding-bottom:0.6rem;border-bottom:2px solid var(--blue-light)}.legal-section h2 .num{display:inline-flex;align-items:center;justify-content:center;width:28px;height:28px;background:var(--navy);color:var(--white);border-radius:6px;font-size:0.85rem;margin-right:10px}.legal-section p{font-size:0.94rem;color:var(--text-body);margin-bottom:0.85rem;line-height:1.75}.legal-section ul,.legal-section ol.legal-sub{margin:0.75rem 0 0.85rem 0;padding-left:1.4rem}.legal-section ul li,.legal-section ol.legal-sub li{font-size:0.94rem;color:var(--text-body);margin-bottom:0.5rem;line-height:1.65}.legal-section ol.legal-sub{counter-reset:legal-sub-counter;list-style:none}.legal-section ol.legal-sub li{counter-increment:legal-sub-counter;position:relative;padding-left:0.3rem}.legal-section ol.legal-sub li::marker{content:""}.legal-section strong{color:var(--navy)}.legal-callout{background:var(--blue-light);border-left:3px solid var(--blue);border-radius:var(--radius);padding:1rem 1.25rem;font-size:0.88rem;color:var(--navy);margin:1rem 0}.legal-callout strong{color:var(--navy)}.legal-table{width:100%;border-collapse:collapse;margin:1rem 0 1.25rem;font-size:0.86rem}.legal-table th{background:var(--navy);color:var(--white);text-align:left;padding:0.6rem 0.85rem;font-weight:700}.legal-table td{padding:0.55rem 0.85rem;border-bottom:1px solid var(--border);vertical-align:top}.legal-table tr:nth-child(even) td{background:var(--off-white)}.legal-contact-box{background:var(--off-white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.5rem;margin-top:1rem}.legal-contact-box h3{font-size:0.95rem;font-weight:700;color:var(--navy);margin-bottom:0.6rem}.legal-contact-box p{font-size:0.9rem;margin-bottom:0.4rem}.cta-card{background:var(--navy);border-radius:var(--radius-lg);padding:1.6rem;color:var(--white);margin-bottom:1.25rem;text-align:center}.cta-icon-badge{width:48px;height:48px;border-radius:50%;background:rgba(255,255,255,0.1);border:1px solid rgba(255,255,255,0.25);display:flex;align-items:center;justify-content:center;font-size:1.4rem;margin:0 auto 1rem;color:var(--blue)}.cta-card .cta-label{font-size:0.7rem;letter-spacing:0.06em;text-transform:uppercase;color:var(--blue);margin-bottom:0.5rem;font-weight:700}.cta-card h3{font-size:1.15rem;font-weight:800;margin-bottom:0.6rem;line-height:1.3}.cta-card p{font-size:0.84rem;color:rgba(255,255,255,0.72);margin-bottom:1.2rem}.btn-gold{background:var(--blue);color:var(--white);border:none;padding:0.8rem 1.5rem;font-weight:700;font-size:0.88rem;border-radius:var(--radius);cursor:pointer;width:100%;transition:background 0.2s;display:block;text-decoration:none;text-align:center;box-sizing:border-box}.btn-gold:hover{background:#2563EB}.cta-features{list-style:none;margin:1.1rem 0;text-align:left}.cta-features li{font-size:0.82rem;padding:0.45rem 0;border-top:1px solid rgba(255,255,255,0.1);display:flex;flex-direction:column}.cta-features li strong{color:var(--white);font-size:0.85rem}.cta-features li span{color:rgba(255,255,255,0.6);font-size:0.78rem}.cta-disclaimer{font-size:0.71rem;color:rgba(255,255,255,0.5);margin-top:0.9rem;text-align:left;border-top:1px solid rgba(255,255,255,0.1);padding-top:0.75rem}.sidebar-widget{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.2rem;margin-bottom:1.25rem}.sidebar-widget h4{font-size:0.92rem;font-weight:800;color:var(--navy);margin-bottom:0.85rem;display:flex;align-items:center;gap:7px}.sidebar-q{font-size:0.84rem;color:var(--navy);padding:0.55rem 0;border-bottom:1px solid var(--border);cursor:pointer;display:flex;justify-content:space-between;transition:color 0.15s;text-decoration:none}.author-widget{text-align:center}.author-card{display:flex;flex-direction:column;align-items:center}.author-avatar{width:211px;height:211px;border-radius:50%;overflow:hidden;margin-bottom:0.7rem;box-shadow:0 0 0 3px var(--blue-light);object-fit:cover;display:block}.author-name-link{text-decoration:none}.author-name-link:hover .author-name{color:var(--blue)}.author-name{font-weight:800;color:var(--navy);font-size:0.95rem;transition:color 0.15s}.author-title{font-size:0.78rem;color:var(--text-muted);margin-bottom:0.5rem}.author-reviewed{font-size:0.72rem;color:var(--text-muted);margin-bottom:0.65rem}.author-bio{font-size:0.8rem;color:var(--text-body);line-height:1.5;text-align:left;margin-bottom:0.9rem}.author-credentials{list-style:none;text-align:left;margin:0 0 0.9rem;padding:0;font-size:0.8rem;color:var(--text-body)}.author-credentials li{padding:0.2rem 0;display:flex;align-items:center;gap:0.5rem}.cred-check{color:var(--green);font-weight:700}.author-profile-link{display:block;margin-top:0.7rem;font-size:0.8rem;font-weight:600;color:var(--blue);text-decoration:none}.author-profile-link:hover{text-decoration:underline}.qa-byline{font-size:0.78rem;color:rgba(255,255,255,0.65);margin-bottom:0.7rem}.qa-byline a{color:#BFD8FF;text-decoration:none;font-weight:600}.qa-byline a:hover{text-decoration:underline}.byline-sep{margin:0 0.45rem;opacity:0.6}.read-aloud-btn{display:inline-flex;align-items:center;gap:0.4rem;background:rgba(255,255,255,0.1);border:1px solid rgba(255,255,255,0.3);color:#fff;font-size:0.8rem;font-weight:600;padding:0.45rem 0.9rem;border-radius:999px;cursor:pointer;margin-top:0.6rem;transition:background 0.15s,border-color 0.15s}.read-aloud-btn:hover{background:rgba(255,255,255,0.18);border-color:rgba(255,255,255,0.5)}.read-aloud-btn.reading{background:var(--orange);border-color:var(--orange);color:var(--navy)}.author-profile-header{display:flex;gap:1.6rem;align-items:flex-start;background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.6rem;margin-bottom:1.5rem}.author-profile-photo{width:180px;height:180px;border-radius:50%;object-fit:cover;box-shadow:0 0 0 4px var(--blue-light);flex-shrink:0}.author-profile-name{font-size:1.4rem;color:var(--navy);margin-bottom:0.3rem}.author-profile-title{color:var(--text-muted);font-size:0.95rem;margin-bottom:0.9rem}.author-profile-credentials{display:flex;flex-wrap:wrap;gap:0.4rem 1.2rem;margin-bottom:1rem}.author-profile-credentials li{padding:0}@media (max-width:600px){.author-profile-header{flex-direction:column;align-items:center;text-align:center}.author-profile-credentials{justify-content:center}}.author-article-group{margin-bottom:1.3rem}.author-article-group h3{font-size:1rem;color:var(--navy);margin-bottom:0.5rem}.author-article-group ul{list-style:none;padding:0;margin:0 0 0.5rem}.author-article-group li{padding:0.3rem 0}.author-article-group a{color:var(--blue);text-decoration:none;font-size:0.88rem}.author-article-group a:hover{text-decoration:underline}.author-linkedin{display:inline-flex;align-items:center;gap:7px;font-size:0.82rem;font-weight:700;color:var(--blue);text-decoration:none;border:1px solid var(--border);border-radius:999px;padding:0.45rem 1rem;transition:background 0.15s}.author-linkedin:hover{background:var(--blue-light)}.li-badge{width:18px;height:18px;background:#0A66C2;color:var(--white);border-radius:3px;font-size:0.68rem;font-weight:800;display:inline-flex;align-items:center;justify-content:center}.sidebar-q:last-child{border-bottom:none}.sidebar-q:hover{color:var(--blue)}.sidebar-q .arr{color:var(--blue)}.sidebar-view-all{display:block;margin-top:0.7rem;font-size:0.82rem;color:var(--blue);font-weight:600;text-decoration:none}.related-questions-widget{background:var(--navy);border:none;border-radius:var(--radius-lg);padding:1.5rem 1.4rem}.related-questions-widget h4{color:var(--white);font-size:0.95rem;letter-spacing:0.02em}.related-questions-widget .sidebar-q{color:rgba(255,255,255,0.9);border-bottom:1px solid rgba(255,255,255,0.14);padding-left:1.1rem;position:relative}.related-questions-widget .sidebar-q::before{content:"•";position:absolute;left:0;color:rgba(255,255,255,0.5)}.related-questions-widget .sidebar-q:hover{color:var(--white)}.related-questions-widget .sidebar-q .arr{color:rgba(255,255,255,0.5)}.related-questions-widget .sidebar-view-all{color:var(--white)}.related-questions-widget .sidebar-view-all:hover{color:var(--white)}footer{background:var(--navy);color:rgba(255,255,255,0.55);font-size:0.8rem;padding:2.5rem 2rem 1.5rem;margin-top:2rem}.footer-social-row{display:flex;gap:0.6rem;flex-wrap:wrap}.footer-social-icon{width:34px;height:34px;display:flex;align-items:center;justify-content:center;border-radius:50%;background:rgba(255,255,255,0.08);color:rgba(255,255,255,0.75);transition:background 0.15s,color 0.15s}.footer-social-icon svg{width:17px;height:17px}.footer-social-icon:hover{background:rgba(255,255,255,0.18);color:#fff}.footer-top{max-width:1240px;margin:0 auto 2rem;display:grid;grid-template-columns:1.4fr 1fr 1.3fr;gap:2.5rem;align-items:start;padding-bottom:2rem;border-bottom:1px solid rgba(255,255,255,0.12)}@media (max-width:900px){.footer-top{grid-template-columns:1fr;gap:1.75rem}}.footer-columns{max-width:1240px;margin:0 auto;display:grid;grid-template-columns:repeat(5,1fr);gap:1.5rem}@media (max-width:900px){.footer-columns{grid-template-columns:repeat(3,1fr)}}@media (max-width:500px){.footer-columns{grid-template-columns:1fr}}.footer-brand{font-weight:800;font-size:1.15rem;color:var(--white);margin-bottom:0.5rem}.footer-brand span{color:var(--blue)}footer h5{font-size:0.76rem;font-weight:700;text-transform:uppercase;letter-spacing:0.05em;color:rgba(255,255,255,0.85);margin-bottom:0.85rem}.footer-columns h5{color:#BFD8FF;position:relative;padding-bottom:0.65rem}.footer-columns h5::after{content:"";position:absolute;left:0;bottom:0;width:26px;height:2px;background:#BFD8FF;border-radius:1px}.footer-subscribe-sub{color:rgba(255,255,255,0.55);font-size:0.82rem;margin-bottom:0.9rem;margin-top:-0.4rem}.footer-subscribe-form{display:flex;gap:0.5rem;flex-wrap:wrap}.footer-subscribe-form input[type="email"]{flex:1;min-width:140px;padding:0.65rem 0.9rem;border-radius:8px;border:1px solid rgba(255,255,255,0.2);background:rgba(255,255,255,0.06);color:var(--white);font-family:'Inter',sans-serif;font-size:0.85rem}.footer-subscribe-form input[type="email"]::placeholder{color:rgba(255,255,255,0.45)}.footer-subscribe-form input[type="email"]:focus{outline:none;border-color:var(--blue)}.footer-subscribe-form button{background:var(--blue);color:var(--white);border:none;border-radius:8px;padding:0.65rem 1.3rem;font-family:'Inter',sans-serif;font-weight:600;font-size:0.85rem;cursor:pointer;white-space:nowrap;transition:background 0.15s}.footer-subscribe-form button:hover{background:var(--navy-light)}footer ul{list-style:none}footer ul li{margin-bottom:0.45rem}footer ul a{color:rgba(255,255,255,0.6);text-decoration:none;cursor:pointer}footer ul a:hover{color:var(--white)}.footer-bottom{max-width:1240px;margin:1.75rem auto 0;padding-top:1.5rem;border-top:1px solid rgba(255,255,255,0.12);font-size:0.72rem;line-height:1.6}.qa-visual-explanation-figure{flex-direction:column !important;align-items:stretch !important;gap:20px}.qa-viz-cards{display:grid;grid-template-columns:1fr 1fr;gap:20px}.qa-viz-card{background:#F8F9FD;border:1px solid #E9ECF3;border-radius:10px;padding:18px 20px}.qa-viz-card-label{font-size:0.82rem;color:var(--text-muted);margin-bottom:6px}.qa-viz-card-value{font-size:1.65rem;font-weight:800;margin-bottom:12px;line-height:1.15}.qa-viz-progress{height:6px;background:#E3E9F0;border-radius:4px;overflow:hidden;margin-bottom:10px}.qa-viz-progress-fill{height:100%;border-radius:4px}.qa-viz-card-caption{font-size:0.82rem;color:var(--text-muted)}.qa-viz-timeline-box{border:1px solid #E9ECF3;border-radius:10px;padding:22px 24px 26px}.qa-viz-timeline-title{font-size:0.95rem;font-weight:700;color:var(--navy);margin-bottom:22px}.qa-viz-timeline{display:grid;grid-template-columns:repeat(auto-fit,minmax(110px,1fr));gap:20px;position:relative}.qa-viz-timeline::before{content:'';position:absolute;top:7px;left:20px;right:20px;height:2px;background:#E3E8F0;z-index:0}.qa-viz-tl-item{position:relative;z-index:1;text-align:center;padding:0 6px}.qa-viz-tl-dot{width:16px;height:16px;border-radius:50%;margin:0 auto 12px;border:3px solid #fff;box-shadow:0 0 0 1px rgba(0,0,0,0.05)}.qa-viz-tl-label{font-size:0.88rem;font-weight:700;margin-bottom:3px}.qa-viz-tl-sub{font-size:0.8rem;color:var(--text-muted);line-height:1.35}.qa-viz-table-title{text-align:center;font-weight:700;color:var(--navy);font-size:1.05rem;margin-bottom:16px}.qa-viz-table{border:1px solid #E9ECF3;border-radius:10px;overflow:hidden}.qa-viz-table-row{display:grid;grid-template-columns:1.3fr 1fr 1fr}.qa-viz-table-row:not(:last-child){border-bottom:1px solid #EEF0F4}.qa-viz-table-cell{padding:14px 16px;font-size:0.88rem;color:#374151;display:flex;align-items:center}.qa-viz-table-header .qa-viz-table-cell{font-weight:700;text-align:center;padding:14px 10px;display:block}.qa-viz-table-row:not(.qa-viz-table-header) .qa-viz-table-cell:not(.qa-viz-table-label){justify-content:center;text-align:center}.qa-viz-table-summary{margin-top:18px;background:#F7F9FC;border-radius:10px;padding:14px 20px;text-align:center;font-weight:700;color:var(--navy);font-size:0.9rem;line-height:1.6}@media (max-width:640px){.qa-viz-cards{grid-template-columns:1fr}.qa-viz-timeline::before{display:none}.qa-viz-table{overflow-x:auto}.qa-viz-table-row{min-width:480px}}@media (max-width:600px){.answer-block h2,.toc li a,.toc ol li{overflow-wrap:break-word;word-break:break-word}}.qa-table-wrap{overflow-x:auto;max-width:100%;display:block;margin:0 0 1.25rem;border:1px solid var(--border);border-radius:var(--radius-lg)}.qa-table td{padding:0.65rem 1rem;border-bottom:1px solid var(--border);color:var(--text-body);word-break:break-word;overflow-wrap:break-word;vertical-align:top}.cat-editorial{background:var(--off-white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.6rem 1.8rem;margin:3rem auto 2rem;max-width:1240px;width:calc(100% - 4rem);box-sizing:border-box}.cat-editorial h2{font-size:1.05rem;font-weight:700;color:var(--navy);margin:1.3rem 0 0.5rem}.cat-editorial h2:first-child{margin-top:0}.cat-editorial p{font-size:0.95rem;color:var(--text-body);line-height:1.74;margin:0 0 0.9rem}.cat-editorial p:last-child{margin-bottom:0}.cat-subheading{position:relative;left:50%;margin-left:-50vw;width:100vw;box-sizing:border-box;margin-top:2rem;margin-bottom:0}.cat-subheading-inner{display:block;max-width:1240px;margin:0 auto;padding:0 2rem 0.6rem;font-size:1.15rem;font-weight:800;color:var(--navy);border-bottom:2px solid var(--blue);box-sizing:border-box}.cat-subheading:first-of-type{margin-top:0.5rem}@media (max-width:700px){.cat-subheading-inner{padding:0 1rem 0.6rem;font-size:1.05rem}}.footer-columns h5{color:#4C8DFF;position:relative;padding-bottom:0.65rem}.footer-columns h5::after{content:"";position:absolute;left:0;bottom:0;width:26px;height:2px;background:#4C8DFF;border-radius:1px}.qa-layout.author-layout{grid-template-columns:2fr 1fr;align-items:start}.author-full-header{max-width:1240px;margin:0 auto 2rem;background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.8rem 2rem;overflow:hidden}.author-full-header .author-profile-photo{width:280px;height:280px;border-radius:50%;object-fit:cover;float:left;margin:0 2rem 1rem 0;shape-outside:circle(50%)}.author-full-header-bio p{margin:0 0 0.9rem;color:var(--text-body);font-size:0.92rem;line-height:1.6}.author-full-header-bio p:last-of-type{margin-bottom:1rem}.author-full-header-bio::after{content:"";display:block;clear:both}.author-articles-section{max-width:1240px;margin:0 auto 3rem;padding:0 2rem}.author-articles-section > h2{font-size:1.3rem;color:var(--navy);margin-bottom:1.3rem}.author-articles-columns{columns:2;column-gap:2.5rem}.author-cat-count{font-weight:400;color:var(--text-muted);font-size:0.85rem}.author-articles-columns .author-article-group{break-inside:avoid;margin-bottom:1.6rem}@media (max-width:700px){.author-full-header .author-profile-photo{float:none;display:block;margin:0 auto 1.2rem;width:180px;height:180px}.author-full-header-bio .author-profile-name,.author-full-header-bio .author-profile-title{text-align:center}.author-articles-columns{columns:1}}@media (max-width:880px){.qa-layout{grid-template-columns:1fr}.qa-layout.author-layout{grid-template-columns:1fr}.nav-links{display:none}.nav-search{display:none}.subnav{display:none}.hero-inner{grid-template-columns:1fr}.hero-visual{display:none}.stats-bar{grid-template-columns:repeat(3,1fr);row-gap:1rem}.categories-grid{grid-template-columns:1fr}}.qa-sidebar .author-profile-header{flex-direction:column;align-items:center;text-align:center}.qa-sidebar .author-profile-credentials{justify-content:center}.qa-sidebar .author-profile-photo{width:140px;height:140px}.home-about-section{padding:2.6rem 2rem 1rem}.home-why-section{background:transparent;padding:0 2rem 2.2rem;margin-top:0}.home-why-inner{max-width:1240px;margin:0 auto}.home-why-inner h2{font-size:1.4rem;margin:0 0 0.8rem;color:var(--navy)}.home-why-inner p{font-size:0.95rem;line-height:1.6;color:var(--text-body);margin:0 0 0.8rem}.home-why-list{margin:0 0 0.8rem;padding-left:1.4rem}.home-why-list li{font-size:0.95rem;line-height:1.7;color:var(--text-body)}.home-about-inner{max-width:1240px;margin:0 auto;display:grid;grid-template-columns:1fr 0.5fr;gap:2.2rem;align-items:start}@media (max-width:860px){.home-about-inner{grid-template-columns:1fr}}.mini-authors-grid{display:grid;grid-template-columns:1fr;gap:1rem}.mini-author-card{background:var(--white);border:1px solid 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0;clear:both}.mini-author-tag{background:var(--blue-light);color:var(--blue);font-size:0.68rem;font-weight:700;padding:0.22rem 0.55rem;border-radius:20px}.mini-author-linkedin{display:inline-block;font-size:0.78rem;font-weight:700;color:var(--blue);text-decoration:none;margin-top:0.7rem}.mini-author-linkedin:hover{text-decoration:underline}.home-authors-trustpilot{margin-top:1.4rem;clear:both}.home-two-col-section{padding:1rem 2rem 3.2rem}.home-two-col-inner{max-width:1240px;margin:0 auto;display:grid;grid-template-columns:1fr 0.5fr;gap:2.2rem;align-items:start}@media (max-width:980px){.home-two-col-inner{grid-template-columns:1fr}}.home-latest-col h2{display:flex;align-items:center;gap:0.5rem;font-size:1.35rem;font-weight:800;color:var(--navy);margin-bottom:1.1rem}.latest-articles-list{display:flex;flex-direction:column;background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden}.latest-article-card{display:block;padding:1rem 1.1rem;text-decoration:none;border-bottom:1px solid var(--border);transition:background 0.15s}.latest-article-card:last-child{border-bottom:none}.latest-article-card:hover{background:var(--off-white)}.latest-article-tag{display:inline-block;font-size:0.68rem;font-weight:700;text-transform:uppercase;letter-spacing:0.04em;color:var(--blue);background:var(--blue-light);padding:0.2rem 0.55rem;border-radius:999px;margin-bottom:0.55rem}.latest-article-card h3{font-size:0.92rem;font-weight:700;color:var(--navy);line-height:1.4;margin-bottom:0.5rem}.latest-article-meta{display:flex;align-items:center;gap:0.4rem;font-size:0.78rem;color:var(--text-muted)}.latest-article-dot{color:var(--border)}.home-latest-view-all{display:block;text-align:center;margin-top:1rem;font-size:0.85rem;font-weight:700;color:var(--blue);text-decoration:none;padding:0.7rem;border:1px solid var(--border);border-radius:var(--radius);transition:background 0.15s}.home-latest-view-all:hover{background:var(--off-white)}.home-about-col h2{font-size:1.35rem;font-weight:800;color:var(--navy);margin-bottom:1rem;line-height:1.32}.home-about-text-col h2{font-size:1.35rem;font-weight:800;color:var(--navy);margin:2.2rem 0 1rem;line-height:1.32}.home-about-text-col > h2:first-child{margin-top:0}.home-about-text p{font-size:0.89rem;color:var(--text-body);line-height:1.7;margin-bottom:1rem}.home-about-text h3{font-size:1.35rem;font-weight:800;color:var(--navy);margin:2.2rem 0 1rem;line-height:1.32}.home-about-text p:last-child{margin-bottom:0}.home-cat-col h2{display:flex;align-items:center;gap:0.5rem;font-size:1.35rem;font-weight:800;color:var(--navy);margin-bottom:1.1rem}.explore-cat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0.9rem;margin-bottom:1.6rem}@media (max-width:900px){.explore-cat-grid{grid-template-columns:repeat(3,1fr)}}@media (max-width:560px){.explore-cat-grid{grid-template-columns:1fr}}.explore-cat-card{display:flex;align-items:flex-start;gap:0.6rem;background:var(--navy);border:1px solid var(--navy);border-radius:var(--radius);padding:0.85rem 1rem;text-decoration:none;transition:box-shadow 0.2s,transform 0.2s}.explore-cat-card:hover{box-shadow:0 8px 24px rgba(11,31,77,0.25);transform:translateY(-2px)}.explore-cat-icon{width:30px;height:30px;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:0.92rem;flex-shrink:0}.explore-cat-card h3{font-size:0.9rem;font-weight:700;color:#fff;margin:0 0 0.25rem;line-height:1.3}.explore-cat-count-inline{display:block;font-size:0.78rem;font-weight:700;color:#7FB0FF;margin:0 0 0.35rem}.explore-cat-card .explore-cat-desc{font-size:0.78rem;color:rgba(255,255,255,0.75);margin:0;line-height:1.4}.home-calcs-box{background:var(--off-white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.4rem 1.6rem}.home-calcs-box h3{display:flex;align-items:center;gap:0.5rem;font-size:1.05rem;font-weight:800;color:var(--navy);margin-bottom:1rem}.home-calcs-list{display:grid;grid-template-columns:repeat(2,1fr);gap:0.4rem 0.6rem;margin-bottom:1rem;list-style:none;padding:0}@media (max-width:700px){.home-calcs-list{grid-template-columns:repeat(2,1fr)}}@media (max-width:460px){.home-calcs-list{grid-template-columns:1fr}}.home-calcs-list li a{display:flex;align-items:flex-start;gap:0.5rem;font-size:0.8rem;line-height:1.35;color:var(--text-body);text-decoration:none;padding:0.32rem 0}.home-calcs-list li a:hover{color:var(--blue)}.home-calcs-list .calc-ico{color:var(--blue);flex-shrink:0;font-size:0.88rem;margin-top:0.1rem}.home-calcs-view-all{font-size:0.85rem;font-weight:700;color:var(--blue);text-decoration:none}.home-calcs-view-all:hover{text-decoration:underline}.partner-tag{background:var(--off-white);border-bottom:1px solid var(--border);padding:10px 0;text-align:center;font-size:0.8rem;color:var(--text-muted)}.partner-tag strong{color:var(--navy)}.demo-hero{background:linear-gradient(135deg,var(--navy) 0%,#123068 100%);color:#fff;padding:52px 0}.demo-hero-inner{max-width:1240px;margin:0 auto;padding:0 2rem;display:grid;grid-template-columns:1.05fr 0.95fr;gap:44px;align-items:center}@media (max-width:900px){.demo-hero-inner{grid-template-columns:1fr}}.demo-tag{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,0.1);border:1px solid rgba(255,255,255,0.25);color:#fff;font-size:0.78rem;font-weight:700;padding:6px 14px;border-radius:999px;margin-bottom:18px}.demo-tag .dot{width:7px;height:7px;border-radius:50%;background:var(--green)}.demo-hero h1{font-size:2.3rem;font-weight:800;line-height:1.2;margin:0 0 16px}.demo-hero h1 .accent{color:#8FB4FF}.demo-hero p{font-size:1.02rem;color:#C6D2EA;max-width:520px;margin:0 0 24px}.demo-hero-trust{display:flex;gap:18px;flex-wrap:wrap;font-size:0.83rem;color:#DCE5F5}.form-card{background:#fff;border-radius:var(--radius-lg);padding:26px;box-shadow:0 20px 50px rgba(0,0,0,0.28);color:var(--text-body)}.form-card h3{margin:0 0 4px;color:var(--navy);font-size:1.1rem;font-weight:800}.form-card .form-sub{color:var(--text-muted);font-size:0.84rem;margin:0 0 18px}.field{margin-bottom:13px}.field label{display:block;font-size:0.78rem;font-weight:700;color:var(--navy);margin-bottom:5px}.field input{width:100%;padding:11px 13px;border:1px solid var(--border);border-radius:8px;font-size:0.92rem;background:var(--off-white)}.field input:focus{outline:2px solid var(--blue);outline-offset:1px;background:#fff}.demo-form-submit{width:100%;background:var(--blue);color:#fff;font-weight:700;font-size:0.98rem;padding:13px;border-radius:999px;border:none;margin-top:4px;cursor:pointer}.form-fine{font-size:0.7rem;color:var(--text-muted);text-align:center;margin-top:10px}.partner-disclosure{background:var(--off-white);border-top:1px solid var(--border);border-bottom:1px solid var(--border);padding:12px 0;text-align:center;font-size:0.76rem;color:var(--text-muted)}.demo-section{padding:52px 2rem;max-width:1240px;margin:0 auto}.demo-eyebrow{display:inline-block;font-size:0.72rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);background:var(--blue-light);padding:5px 14px;border-radius:999px;margin-bottom:14px}.demo-section h2{font-size:1.6rem;font-weight:800;color:var(--navy);margin:0 0 12px}.demo-section .sub{color:var(--text-muted);font-size:0.95rem;max-width:640px;margin:0 0 30px}.demo-benefit-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}@media (max-width:900px){.demo-benefit-grid{grid-template-columns:1fr 1fr}}@media (max-width:560px){.demo-benefit-grid{grid-template-columns:1fr}}.demo-benefit-card{border:1px solid var(--border);border-radius:var(--radius-lg);padding:22px;background:#fff}.demo-benefit-icon{width:40px;height:40px;border-radius:10px;background:var(--blue-light);display:flex;align-items:center;justify-content:center;font-size:1.2rem;margin-bottom:14px}.demo-benefit-card strong{display:block;color:var(--navy);font-size:0.94rem;margin-bottom:6px}.demo-benefit-card p{font-size:0.84rem;color:var(--text-muted);margin:0}.demo-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:dstep}@media (max-width:760px){.demo-steps{grid-template-columns:1fr}}.demo-step{position:relative;padding-left:50px}.demo-step::before{counter-increment:dstep;content:counter(dstep);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:0.95rem}.demo-step strong{display:block;color:var(--navy);font-size:0.98rem;margin-bottom:5px}.demo-step p{font-size:0.86rem;color:var(--text-muted);margin:0}.demo-cta-band{background:var(--navy);color:#fff;padding:48px 2rem;text-align:center}.demo-cta-band h2{font-size:1.5rem;font-weight:800;margin:0 0 10px}.demo-cta-band p{color:#C6D2EA;margin:0 0 22px}.demo-btn-primary{display:inline-block;background:var(--blue);color:#fff;font-weight:700;font-size:0.98rem;padding:14px 32px;border-radius:999px;border:none;cursor:pointer}.demo-faq{max-width:760px;margin:0 auto;padding:52px 2rem}.demo-faq details{border-bottom:1px solid var(--border);padding:16px 0}.demo-faq summary{font-weight:700;color:var(--navy);cursor:pointer;font-size:0.96rem}.demo-faq p{margin:10px 0 0;color:var(--text-body);font-size:0.9rem}.demo-sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:#fff;border-top:1px solid var(--border);padding:12px 16px;z-index:60;box-shadow:0 -4px 16px rgba(0,0,0,0.08)}.demo-sticky-cta button{width:100%;text-align:center;background:var(--blue);color:#fff;font-weight:700;padding:13px;border-radius:999px;border:none;font-size:0.95rem}@media (max-width:760px){.demo-sticky-cta{display:block}body{padding-bottom:70px}}.compare-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:var(--radius-lg)}table.compare-table{width:100%;border-collapse:collapse;min-width:640px;font-size:0.88rem}table.compare-table th,table.compare-table td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--border)}table.compare-table thead th{font-size:0.72rem;text-transform:uppercase;letter-spacing:.04em;color:var(--text-muted);background:var(--off-white);border-bottom:2px solid var(--border)}table.compare-table .col-ava{background:var(--blue-light)}table.compare-table th.col-ava{background:var(--navy);color:#fff;position:relative}.compare-reco{display:block;font-size:0.65rem;font-weight:800;letter-spacing:.06em;color:#8FB4FF;margin-bottom:4px}table.compare-table td.dim{color:var(--text-muted)}table.compare-table td.warn{color:#B8860B;font-weight:600}.compare-source{font-size:0.76rem;color:var(--text-muted);font-style:italic;margin-top:12px}.blue-cta-band{background:var(--blue);color:#fff;padding:44px 2rem;text-align:center}.blue-cta-band h2{font-size:1.6rem;font-weight:800;margin:0 0 10px}.blue-cta-band p{color:#E4ECFF;margin:0 0 22px;font-size:1rem}.blue-cta-btn{display:inline-block;background:#fff;color:var(--blue);font-weight:800;font-size:1rem;padding:15px 34px;border-radius:999px;text-decoration:none}.qa-visual-explanation-figure{margin:0;display:flex;flex-direction:column;align-items:stretch;gap:20px;justify-content:center}.qa-viz-card-value{font-size:1.65rem;font-weight:800;color:#8B6F47;margin-bottom:12px;line-height:1.15}.qa-viz-progress-fill{height:100%;background:#89877E;border-radius:4px}.qa-viz-timeline{display:flex;position:relative;justify-content:space-between}.qa-viz-tl-item{position:relative;z-index:1;flex:1;text-align:center;padding:0 6px}.qa-viz-tl-label{font-size:0.88rem;font-weight:700;color:var(--navy);margin-bottom:3px}@media (max-width:640px){.qa-viz-cards{grid-template-columns:1fr}.qa-viz-timeline{flex-wrap:wrap;row-gap:20px}.qa-viz-timeline::before{display:none}.qa-viz-tl-item{flex:1 1 45%}}.decision-flow,.stat-box,.qa-viz-cards,.qa-viz-tl-item,.qa-diagram,.qa-table-wrap,img.zoomable,.answer-block img{cursor:zoom-in;transition:box-shadow 0.2s ease,transform 0.15s ease}.decision-flow:hover,.stat-box:hover,.qa-viz-cards:hover,.qa-diagram:hover{box-shadow:0 6px 28px rgba(11,31,77,0.18);transform:translateY(-1px)}.decision-flow,.stat-box{position:relative}.decision-flow::after,.stat-box::after{content:"🔍 click to enlarge";position:absolute;bottom:8px;right:12px;font-size:0.68rem;color:var(--blue,#1A56DB);opacity:0;transition:opacity 0.2s ease;pointer-events:none;background:rgba(247,249,252,0.92);padding:2px 7px;border-radius:4px}.decision-flow:hover::after,.stat-box:hover::after{opacity:1}.lb-overlay{display:none;position:fixed;inset:0;z-index:9999;background:rgba(8,18,44,0.82);backdrop-filter:blur(4px);-webkit-backdrop-filter:blur(4px);align-items:center;justify-content:center;padding:24px;cursor:zoom-out;animation:lb-fade-in 0.22s ease}.lb-overlay.lb-active{display:flex}@keyframes lb-fade-in{from{opacity:0}to{opacity:1}}.lb-box{position:relative;background:#fff;border-radius:14px;padding:28px 32px 24px;max-width:860px;width:100%;max-height:88vh;overflow-y:auto;box-shadow:0 24px 80px rgba(8,18,44,0.55);animation:lb-pop-in 0.25s cubic-bezier(0.34,1.56,0.64,1);cursor:default}@keyframes lb-pop-in{from{transform:scale(0.82);opacity:0}to{transform:scale(1);opacity:1}}.lb-close{position:absolute;top:12px;right:14px;width:32px;height:32px;border:none;background:var(--navy,#0B1F4D);color:#fff;border-radius:50%;font-size:1.1rem;line-height:32px;text-align:center;cursor:pointer;z-index:2;transition:background 0.15s;display:flex;align-items:center;justify-content:center}.lb-close:hover{background:#c0392b}.lb-box .decision-flow,.lb-box .stat-box{cursor:default;transform:none !important;box-shadow:none !important;margin:0;width:100%}.lb-box .decision-flow::after,.lb-box .stat-box::after{display:none}.lb-box img{max-width:100%;height:auto;display:block;margin:0 auto;border-radius:8px}@media (max-width:600px){.lb-box{padding:20px 16px 16px;border-radius:10px}.decision-flow::after,.stat-box::after{display:none}}.qa-callout{display:flex;gap:0.85rem;align-items:flex-start;padding:0.95rem 1.1rem;border-radius:8px;margin:1.4rem 0;font-size:0.94rem;line-height:1.55}.qa-callout-icon{flex-shrink:0;width:1.6rem;height:1.6rem;display:flex;align-items:center;justify-content:center;border-radius:50%;font-size:0.8rem;font-weight:700;margin-top:0.05rem}.qa-callout-body{flex:1}.qa-callout-body strong{display:block;margin-bottom:0.25rem;font-size:0.88rem;letter-spacing:0.03em;text-transform:uppercase}.qa-callout--tip{background:#EAF4FF;border-left:3px solid #1A56DB}.qa-callout--tip .qa-callout-icon{background:#1A56DB;color:#fff}.qa-callout--tip .qa-callout-body strong{color:#1A56DB}.qa-callout--warning{background:#FFF8EC;border-left:3px solid #E08A00}.qa-callout--warning .qa-callout-icon{background:#E08A00;color:#fff}.qa-callout--warning .qa-callout-body strong{color:#9A5F00}.qa-callout--sa{background:#F0F7EE;border-left:3px solid #2A7A32}.qa-callout--sa .qa-callout-icon{background:#2A7A32;color:#fff}.qa-callout--sa .qa-callout-body strong{color:#1A5220}.qa-callout--key{background:#F4F1FB;border-left:3px solid #6B48C8}.qa-callout--key .qa-callout-icon{background:#6B48C8;color:#fff}.qa-callout--key .qa-callout-body strong{color:#3E2580}.qa-steps{margin:1.6rem 0;display:flex;flex-direction:column;gap:0}.qa-step{display:flex;gap:1.1rem;align-items:flex-start;padding:1rem 0;border-bottom:1px solid var(--border,#E3E8F0)}.qa-step:last-child{border-bottom:none;padding-bottom:0.4rem}.qa-step-num{flex-shrink:0;width:2rem;height:2rem;border-radius:50%;background:var(--blue,#1A56DB);color:#fff;font-size:0.82rem;font-weight:700;display:flex;align-items:center;justify-content:center;margin-top:0.1rem}.qa-step-body{flex:1}.qa-step-body h4{margin:0 0 0.3rem;font-size:0.95rem;font-weight:700;color:var(--navy,#0B1F4D)}.qa-step-body p{margin:0;font-size:0.9rem;color:#444;line-height:1.5}.qa-key-numbers{display:flex;flex-wrap:wrap;gap:1rem;margin:1.5rem 0}.qa-key-num{flex:1;min-width:130px;background:var(--off-white,#F7F9FC);border:1px solid var(--border,#E3E8F0);border-top:3px solid var(--blue,#1A56DB);border-radius:6px;padding:0.8rem 1rem;text-align:center}.qa-kn-value{display:block;font-size:1.55rem;font-weight:800;color:var(--navy,#0B1F4D);line-height:1.1;margin-bottom:0.3rem}.qa-kn-label{display:block;font-size:0.78rem;color:#666;line-height:1.3}.qa-compare{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin:1.5rem 0}.qa-compare-col{border:1px solid var(--border,#E3E8F0);border-radius:8px;overflow:hidden}.qa-compare-head{padding:0.6rem 1rem;font-size:0.85rem;font-weight:700;text-align:center;letter-spacing:0.02em}.qa-compare-col:first-child .qa-compare-head{background:var(--navy,#0B1F4D);color:#fff}.qa-compare-col:last-child .qa-compare-head{background:#F0F4FD;color:var(--navy,#0B1F4D)}.qa-compare-list{list-style:none;margin:0;padding:0.7rem 1rem}.qa-compare-list li{font-size:0.88rem;padding:0.35rem 0;border-bottom:1px solid var(--border,#E3E8F0);color:#333;line-height:1.4}.qa-compare-list li:last-child{border-bottom:none}@media (max-width:600px){.qa-compare{grid-template-columns:1fr}.qa-key-numbers{flex-direction:column}}.qa-proscons{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin:1.5rem 0}.qa-proscons-col{border-radius:8px;overflow:hidden}.qa-proscons-head{padding:0.55rem 1rem;font-size:0.82rem;font-weight:700;letter-spacing:0.05em;text-transform:uppercase;text-align:center}.qa-proscons-col--pro .qa-proscons-head{background:#1a7a30;color:#fff}.qa-proscons-col--con .qa-proscons-head{background:#c0392b;color:#fff}.qa-proscons-list{list-style:none;margin:0;padding:0.6rem 1rem;background:var(--off-white,#F7F9FC);border:1px solid var(--border,#E3E8F0);border-top:none}.qa-proscons-list li{font-size:0.88rem;padding:0.3rem 0;border-bottom:1px solid var(--border,#E3E8F0);color:#333;display:flex;gap:0.5rem;align-items:flex-start}.qa-proscons-list li:last-child{border-bottom:none}.qa-proscons-col--pro .qa-proscons-list li::before{content:"✓";color:#1a7a30;font-weight:700;flex-shrink:0}.qa-proscons-col--con .qa-proscons-list li::before{content:"✗";color:#c0392b;font-weight:700;flex-shrink:0}.qa-dodonts{margin:1.5rem 0;border:1px solid var(--border,#E3E8F0);border-radius:8px;overflow:hidden}.qa-dodont-row{display:grid;grid-template-columns:1fr 1fr}.qa-dodont-row + .qa-dodont-row{border-top:1px solid var(--border,#E3E8F0)}.qa-dodont-do,.qa-dodont-dont{padding:0.7rem 1rem;font-size:0.88rem;line-height:1.45;display:flex;gap:0.6rem;align-items:flex-start}.qa-dodont-do{background:#f0faf2;border-right:1px solid var(--border,#E3E8F0)}.qa-dodont-dont{background:#fdf2f2}.qa-dodont-do::before{content:"✓";color:#1a7a30;font-weight:700;flex-shrink:0;margin-top:0.05rem}.qa-dodont-dont::before{content:"✗";color:#c0392b;font-weight:700;flex-shrink:0;margin-top:0.05rem}.qa-dodonts-header{display:grid;grid-template-columns:1fr 1fr}.qa-dodonts-header span{padding:0.45rem 1rem;font-size:0.78rem;font-weight:700;letter-spacing:0.05em;text-transform:uppercase;text-align:center}.qa-dodonts-header span:first-child{background:#1a7a30;color:#fff;border-right:1px solid rgba(255,255,255,0.2)}.qa-dodonts-header span:last-child{background:#c0392b;color:#fff}.qa-formula{background:#0B1F4D;color:#E8EDF5;border-radius:8px;padding:1.2rem 1.4rem;margin:1.5rem 0;font-family:'Georgia',serif}.qa-formula-title{font-size:0.75rem;text-transform:uppercase;letter-spacing:0.08em;color:#7B9ED9;margin-bottom:0.7rem;font-family:inherit}.qa-formula-expr{font-size:1.15rem;font-weight:700;color:#fff;margin-bottom:0.8rem;line-height:1.4}.qa-formula-expr var{color:#F5A623;font-style:italic}.qa-formula-legend{list-style:none;margin:0;padding:0;border-top:1px solid rgba(255,255,255,0.12);padding-top:0.7rem}.qa-formula-legend li{font-size:0.82rem;color:#B0BED0;padding:0.2rem 0}.qa-formula-legend var{color:#F5A623;font-style:italic}.qa-quickref{background:linear-gradient(135deg,#0B1F4D 0%,#1A3A7A 100%);border-radius:10px;padding:1.2rem 1.4rem;margin:1.5rem 0;color:#fff}.qa-quickref-title{font-size:0.75rem;text-transform:uppercase;letter-spacing:0.08em;color:#7B9ED9;margin-bottom:0.9rem}.qa-quickref-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:0.6rem}.qa-quickref-item{background:rgba(255,255,255,0.08);border-radius:6px;padding:0.55rem 0.8rem}.qa-quickref-label{font-size:0.72rem;color:#9DB8E8;margin-bottom:0.15rem}.qa-quickref-value{font-size:0.92rem;font-weight:700;color:#fff}.qa-timeline{margin:1.5rem 0;position:relative;padding-left:2.2rem}.qa-timeline::before{content:'';position:absolute;left:0.7rem;top:0.4rem;bottom:0.4rem;width:2px;background:linear-gradient(to bottom,var(--blue,#1A56DB),var(--border,#E3E8F0))}.qa-tl-item{position:relative;margin-bottom:1.1rem}.qa-tl-item:last-child{margin-bottom:0}.qa-tl-dot{position:absolute;left:-1.7rem;top:0.35rem;width:0.85rem;height:0.85rem;border-radius:50%;background:var(--blue,#1A56DB);border:2px solid #fff;box-shadow:0 0 0 2px var(--blue,#1A56DB)}.qa-tl-label{font-size:0.75rem;font-weight:700;color:var(--blue,#1A56DB);text-transform:uppercase;letter-spacing:0.04em;margin-bottom:0.2rem}.qa-tl-body{font-size:0.9rem;color:#333;line-height:1.5;background:var(--off-white,#F7F9FC);border:1px solid var(--border,#E3E8F0);border-radius:6px;padding:0.55rem 0.8rem}@media (max-width:600px){.qa-proscons,.qa-dodonts-header,.qa-dodont-row{grid-template-columns:1fr}.qa-dodont-do{border-right:none;border-bottom:1px solid var(--border,#E3E8F0)}.qa-dodonts-header span:first-child{border-right:none}}.qa-warning{background:#FFF0F0;border:1.5px solid #E53935;border-left:5px solid #E53935;border-radius:8px;padding:1rem 1.2rem;margin:1.5rem 0;display:flex;gap:0.85rem;align-items:flex-start}.qa-warning-icon{flex-shrink:0;width:1.8rem;height:1.8rem;background:#E53935;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-size:1rem;font-weight:900;margin-top:0.05rem}.qa-warning-body{flex:1}.qa-warning-body strong{display:block;color:#B71C1C;font-size:0.85rem;text-transform:uppercase;letter-spacing:0.04em;margin-bottom:0.3rem}.qa-warning-body p{margin:0;font-size:0.91rem;color:#4A0000;line-height:1.5}.qa-checklist{margin:1.5rem 0}.qa-checklist-title{font-size:0.82rem;font-weight:700;text-transform:uppercase;letter-spacing:0.05em;color:var(--navy,#0B1F4D);margin-bottom:0.7rem}.qa-checklist-items{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:0.35rem}.qa-checklist-item{display:flex;gap:0.7rem;align-items:flex-start;background:var(--off-white,#F7F9FC);border:1px solid var(--border,#E3E8F0);border-radius:6px;padding:0.5rem 0.8rem;font-size:0.88rem;color:#333;line-height:1.4}.qa-checklist-item::before{content:"□";color:var(--blue,#1A56DB);font-size:1rem;flex-shrink:0;margin-top:0.05rem;font-weight:700}.qa-stat-hl{display:flex;flex-wrap:wrap;gap:1rem;margin:1.4rem 0}.qa-stat-hl-item{flex:1;min-width:150px;padding:0.85rem 1.1rem;border-radius:8px;text-align:center}.qa-stat-hl-item--blue{background:#EAF1FF;border:1px solid #B3CCFF}.qa-stat-hl-item--green{background:#EBF7EC;border:1px solid #A8D5AA}.qa-stat-hl-item--amber{background:#FFF8E1;border:1px solid #FFD54F}.qa-stat-hl-item--red{background:#FFEBEE;border:1px solid #EF9A9A}.qa-stat-hl-value{display:block;font-size:1.6rem;font-weight:800;line-height:1.1;margin-bottom:0.3rem}.qa-stat-hl-item--blue .qa-stat-hl-value{color:#1A3A8F}.qa-stat-hl-item--green .qa-stat-hl-value{color:#1B5E20}.qa-stat-hl-item--amber .qa-stat-hl-value{color:#E65100}.qa-stat-hl-item--red .qa-stat-hl-value{color:#B71C1C}.qa-stat-hl-label{font-size:0.75rem;color:#555;line-height:1.3}.qa-example{background:linear-gradient(135deg,#F0F7FF 0%,#F7F0FF 100%);border:1px solid #C8D8F0;border-left:4px solid var(--blue,#1A56DB);border-radius:8px;padding:1rem 1.2rem;margin:1.5rem 0}.qa-example-label{font-size:0.72rem;font-weight:700;text-transform:uppercase;letter-spacing:0.08em;color:var(--blue,#1A56DB);margin-bottom:0.5rem}.qa-example-body{font-size:0.9rem;color:#2C3A5A;line-height:1.55}.qa-example-body strong{color:var(--navy,#0B1F4D)}.qa-rtable-wrap{margin:1.5rem 0;overflow-x:auto}.qa-rtable{width:100%;border-collapse:collapse;font-size:0.88rem}.qa-rtable caption{text-align:left;font-size:0.78rem;font-weight:700;text-transform:uppercase;letter-spacing:0.05em;color:#666;padding-bottom:0.5rem}.qa-rtable thead tr{background:var(--navy,#0B1F4D)}.qa-rtable thead th{padding:0.55rem 0.9rem;color:#fff;text-align:left;font-weight:600;font-size:0.82rem;white-space:nowrap}.qa-rtable tbody tr:nth-child(odd){background:var(--off-white,#F7F9FC)}.qa-rtable tbody tr:nth-child(even){background:#fff}.qa-rtable tbody td{padding:0.5rem 0.9rem;color:#333;border-bottom:1px solid var(--border,#E3E8F0);vertical-align:top}.qa-rtable .qa-rtable-highlight{color:#1a7a30;font-weight:700}.qa-rtable .qa-rtable-warn{color:#c0392b;font-weight:700}@media (max-width:600px){.qa-stat-hl{flex-direction:column}.qa-warning{flex-direction:column}}.see-also-link{font-size:0.875rem;color:#555;margin:0.8rem 0;padding:0.5rem 0.8rem;background:var(--off-white,#F7F9FC);border-left:3px solid var(--blue,#1A56DB);border-radius:0 4px 4px 0}.see-also-link a{color:var(--blue,#1A56DB);font-weight:500}.see-also-link a:hover{text-decoration:underline}.back-to-top{position:fixed;bottom:1.5rem;right:1.5rem;width:2.6rem;height:2.6rem;background:var(--blue,#1A56DB);color:#fff;border:none;border-radius:50%;cursor:pointer;font-size:1.1rem;display:flex;align-items:center;justify-content:center;box-shadow:0 3px 12px rgba(0,0,0,0.25);opacity:0;pointer-events:none;transition:opacity 0.25s,transform 0.25s;z-index:900;text-decoration:none}.back-to-top.visible{opacity:1;pointer-events:all}.back-to-top:hover{background:var(--navy,#0B1F4D);transform:translateY(-2px)}@media (max-width:600px){.back-to-top{bottom:1rem;right:1rem;width:2.2rem;height:2.2rem}}@media print{.site-nav,.site-header,.sidebar,footer,.back-to-top,.lb-overlay,.btn-gold,.breadcrumb,.related-questions-widget,.author-widget .author-linkedin{display:none !important}body{font-size:11pt;color:#000}.qa-main{max-width:100%;margin:0;padding:0}.answer-block{border:none;box-shadow:none;page-break-inside:avoid}a[href]::after{content:" (" attr(href) ")";font-size:0.75em;color:#666}a[href^="#"]::after,a[href^="javascript"]::after{content:""}.decision-flow,.stat-box,.qa-diagram{page-break-inside:avoid}h1,h2,h3{page-break-after:avoid}}.lac-date{font-weight:400;color:#9CA3AF;font-size:0.88em}