*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:var(--font-body);background:var(--bg);color:var(--text);font-size:16px;line-height:1.7}a{color:inherit;text-decoration:none}.pr-bar{background:#f5c8420f;border-bottom:1px solid rgba(245,200,66,.15);padding:5px 24px;text-align:center;font-size:.72rem;color:#a08000}.cv-body-wrap{max-width:760px;margin:0 auto;padding:24px 16px 60px;width:100%}.cv-body-wrap .page-wrap{max-width:none;margin:0;padding:0}.page-wrap{max-width:740px;margin:0 auto;padding:24px 16px 60px}.page-title{font-family:var(--font-display);font-size:1.6rem;font-weight:800;text-align:center;margin-bottom:4px}.bridge-block{background:var(--bg2);border:1px solid var(--border);border-radius:var(--radius);padding:20px 24px;margin-bottom:28px}.bridge-eyebrow{font-size:.78rem;font-weight:700;color:var(--text3);margin-bottom:8px}.bridge-headline{font-family:var(--font-display);font-size:1.1rem;font-weight:800;color:var(--text);margin-bottom:10px;line-height:1.5}.bridge-body{font-size:.88rem;color:var(--text2);line-height:1.75;margin-bottom:12px}.bridge-loss{font-size:.88rem;font-weight:700;color:var(--red);background:#dc26260f;border-left:3px solid var(--red);padding:8px 12px;border-radius:0 6px 6px 0;margin-top:4px;line-height:1.65}.bridge-loss strong{color:var(--red)}.context-card{background:linear-gradient(135deg,#1e40af0f,#1e40af05);border:1px solid rgba(30,64,175,.2);border-radius:var(--radius);padding:20px 24px;margin-bottom:20px;position:relative;overflow:hidden}.context-card:before{content:"";position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,transparent,var(--accent),transparent)}.context-eyebrow{font-size:.78rem;color:var(--text3);font-weight:600;letter-spacing:.04em;text-transform:uppercase;margin-bottom:10px}.context-row{display:flex;justify-content:space-between;align-items:baseline;padding:6px 0;border-bottom:1px solid rgba(30,64,175,.1)}.context-row:last-of-type{border-bottom:none}.context-label{font-size:.88rem;color:var(--text2)}.context-value{font-family:var(--font-body);font-size:1rem;font-weight:600;color:var(--text)}.context-value--big{font-size:1.3rem;color:var(--accent)}.context-row--highlight .context-label{font-weight:700;color:var(--text)}.context-loss-warning{margin-top:14px;font-size:.92rem;line-height:1.6;color:var(--text2);background:#dc26260f;border-left:3px solid var(--red);padding:10px 14px;border-radius:0 6px 6px 0}.context-loss-warning strong{color:var(--red)}.conclusion-block{background:var(--surface);border:2px solid var(--accent);border-radius:var(--radius);padding:24px;margin-bottom:20px;text-align:center;position:relative;overflow:hidden}.conclusion-block:before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--accent),var(--accent2))}.conclusion-label{display:inline-block;background:var(--accent);color:#fff;font-size:.72rem;font-weight:700;letter-spacing:.06em;padding:3px 12px;border-radius:20px;margin-bottom:12px}.conclusion-headline{font-family:var(--font-display);font-size:1.4rem;font-weight:800;color:var(--text);margin-bottom:14px;line-height:1.4}.conclusion-headline strong{color:var(--accent)}.conclusion-reasons{list-style:none;text-align:left;display:inline-block;margin-bottom:20px}.conclusion-reasons li{font-size:.9rem;color:var(--text2);padding:4px 0}.conclusion-cta{display:block;background:var(--green);color:#fff;font-family:var(--font-display);font-size:1.05rem;font-weight:700;min-height:56px;line-height:56px;border-radius:8px;width:100%;text-align:center;transition:background .2s,transform .15s;position:relative}.conclusion-cta:after{content:"";display:inline-block;width:8px;height:8px;border-top:2px solid #fff;border-right:2px solid #fff;transform:rotate(45deg) translate(-1px,1px);margin-left:8px;vertical-align:middle}.conclusion-cta:hover{background:#15803d;transform:translateY(-1px)}.conclusion-microcopy{font-size:.78rem;color:var(--text3);margin-top:8px}.conclusion-basis{font-size:.72rem;color:var(--text3);margin-top:8px;line-height:1.5}.section-mb{margin-bottom:28px}.section-title{font-family:var(--font-display);font-size:1.15rem;font-weight:700;color:var(--text);margin-bottom:6px}.cards-pr-notice{font-size:.75rem;color:var(--text3);margin-bottom:16px;background:#f5c84214;border:1px solid rgba(245,200,66,.2);border-radius:6px;padding:7px 12px}.service-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:22px;margin-bottom:14px}.service-card--featured{border-color:var(--accent);border-width:2px}.card-badge{display:inline-block;font-size:.72rem;font-weight:700;padding:3px 12px;border-radius:20px;margin-bottom:8px;background:var(--accent);color:#fff}.card-badge--sub{background:var(--bg3);color:var(--text2)}.card-name{font-family:var(--font-display);font-size:1.25rem;font-weight:800;color:var(--text);margin-bottom:2px}.card-tagline{font-size:.82rem;color:var(--text3);margin-bottom:12px}.card-points{list-style:none;margin-bottom:12px}.card-points li{font-size:.88rem;color:var(--text2);padding:3px 0}.card-review{background:var(--bg2);border-radius:8px;padding:10px 14px;margin-bottom:12px}.review-stars{color:#f59e0b;font-size:.88rem}.review-text{font-size:.8rem;color:var(--text2);display:block;margin-top:4px;line-height:1.5}.card-specs{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:14px}.card-specs span{font-size:.8rem;color:var(--text2);background:var(--bg3);padding:4px 10px;border-radius:6px}.card-specs strong{color:var(--text)}.card-cta{display:block;background:var(--green);color:#fff;font-family:var(--font-display);font-size:.95rem;font-weight:700;min-height:52px;line-height:52px;border-radius:8px;width:100%;text-align:center;transition:background .2s,transform .15s}.card-cta:after{content:"";display:inline-block;width:7px;height:7px;border-top:2px solid #fff;border-right:2px solid #fff;transform:rotate(45deg) translate(-1px,1px);margin-left:8px;vertical-align:middle}.card-cta:hover{background:#15803d;transform:translateY(-1px)}.card-cta--primary{min-height:56px;line-height:56px;font-size:1rem}.card-microcopy{font-size:.75rem;color:var(--text3);text-align:center;margin-top:6px}.compare-section{margin-bottom:28px}.compare-section h3{font-family:var(--font-display);font-size:1rem;font-weight:700;margin-bottom:10px;color:var(--text)}.compare-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--border);border-radius:var(--radius)}.compare-table{width:100%;border-collapse:collapse;font-size:.85rem}.compare-table th,.compare-table td{padding:10px 12px;text-align:center;border-bottom:1px solid var(--border)}.compare-table th{background:var(--bg2);font-weight:700;font-size:.82rem}.compare-table tr:last-child td{border-bottom:none}.col-sticky{position:sticky;left:0;background:var(--bg);z-index:1;min-width:100px;font-weight:600;text-align:left;box-shadow:2px 0 6px #0000000f}.compare-table thead .col-sticky{background:var(--bg2)}.col--featured{background:#1e40af0a;font-weight:700}.compare-table thead .col--featured{color:var(--accent)}.val--good{color:var(--green);font-weight:700}.val--bad{color:var(--red)}.table-note{font-size:.75rem;color:var(--text3);margin-top:8px}.guide-section{background:var(--bg2);border-radius:var(--radius);padding:20px 24px;margin-bottom:28px}.guide-section h3{font-family:var(--font-display);font-size:1rem;font-weight:700;margin-bottom:14px}.guide-item{display:flex;align-items:baseline;gap:10px;padding:9px 0;border-bottom:1px solid var(--border)}.guide-item:last-child{border-bottom:none}.guide-type{font-size:.88rem;color:var(--text2);flex:0 0 auto;max-width:60%}.guide-rec{font-size:.88rem;color:var(--text)}.guide-rec strong{color:var(--accent)}@media(max-width:480px){.guide-item{flex-direction:column;gap:3px}.guide-type{max-width:100%}}.faq-section{margin-bottom:28px}.faq-section h3{font-family:var(--font-display);font-size:1rem;font-weight:700;margin-bottom:12px}details{border:1px solid var(--border);border-radius:8px;margin-bottom:8px;overflow:hidden}summary{padding:14px 16px;font-size:.9rem;font-weight:600;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;color:var(--text)}summary::-webkit-details-marker{display:none}summary:after{content:"+";font-size:1.1rem;color:var(--text3)}details[open] summary:after{content:"−"}details p{padding:0 16px 14px;font-size:.88rem;color:var(--text2);line-height:1.7}.back-link{display:inline-flex;align-items:center;gap:6px;color:var(--accent);font-size:.88rem;font-weight:600;padding:10px 0;margin-bottom:24px}.back-link:before{content:"←"}.back-link--block{display:block;text-align:center;margin:24px 0;font-size:.88rem;color:var(--text3);text-decoration:none}.back-link--block:before{content:none}.back-link-card{display:block;border:1px solid var(--border);border-radius:var(--radius);padding:14px 20px;margin:28px 0;text-decoration:none;background:var(--bg2);transition:border-color .2s,background .2s}.back-link-card:hover{border-color:var(--accent);background:#fff}.back-link-card__eyebrow{display:block;font-size:.72rem;font-weight:700;color:var(--text3);margin-bottom:4px;letter-spacing:.02em}.back-link-card__label{display:block;font-size:.9rem;font-weight:700;color:var(--accent);position:relative;padding-right:20px}.back-link-card__label:after{content:"";position:absolute;right:2px;top:50%;transform:translateY(-50%) rotate(45deg);width:7px;height:7px;border-top:2px solid var(--accent);border-right:2px solid var(--accent)}.editorial-info{background:var(--bg2);border:1px solid var(--border);border-radius:var(--radius);padding:18px 20px;margin-bottom:28px;font-size:.82rem;color:var(--text2);line-height:1.7}.editorial-info p{margin-bottom:4px}.editorial-info p:last-child{margin-bottom:0}.editorial-info strong{color:var(--text)}.article-h1-sub{font-size:1rem;color:var(--text2);text-align:center;margin-bottom:24px}.method-nav{background:var(--bg2);border-radius:12px;padding:16px 20px;margin-bottom:24px}.method-nav-label{font-size:.82rem;font-weight:700;color:var(--text3);margin-bottom:10px}.method-row{display:flex;align-items:center;gap:10px;padding:7px 0;border-bottom:1px solid var(--border);font-size:.9rem}.method-row--top{align-items:flex-start}.method-row:last-child{border-bottom:none}.method-badge{font-weight:700;border-radius:20px;padding:2px 10px;font-size:.75rem;flex-shrink:0;color:#fff}.method-badge--mt{margin-top:2px}.method-badge--purple{background:#7c3aed}.method-badge--orange{background:#ea580c}.method-badge--cyan{background:#0891b2}.method-badge--green{background:#16a34a}.method-badge--gray{background:#64748b}.method-row-label{font-size:.88rem;color:var(--text2)}.article-h2{font-family:var(--font-display);font-size:1.2rem;font-weight:800;margin:28px 0 14px;padding-left:12px}.article-h2--sm{font-size:1.15rem}.article-h2--purple{border-left:4px solid #7c3aed}.article-h2--orange{border-left:4px solid #ea580c}.article-h2--cyan{border-left:4px solid #0891b2}.article-h2--green{border-left:4px solid #16a34a}.article-h2--gray{border-left:4px solid #64748b}.article-body-p{font-size:.9rem;color:var(--text2);line-height:1.75;margin-bottom:16px}.cta-table-wrap{background:var(--bg2);border-radius:12px;padding:20px;margin:28px 0}.cta-table-title{font-family:var(--font-display);font-weight:700;font-size:.95rem;margin-bottom:14px}.cta-table{width:100%;font-size:.82rem;border-collapse:collapse}.text-good{color:var(--green);font-weight:600}.text-muted{color:var(--text3)}.cta-table--standalone{margin-bottom:16px}.cta-table th,.cta-table td{padding:9px 12px;text-align:left;border-bottom:1px solid var(--border)}.cta-table th{background:var(--bg3);font-weight:600;color:var(--text3)}.cta-table thead tr{border-bottom:2px solid var(--border)}.cta-table tr:last-child td{border-bottom:none}.guide-cards-section{margin-bottom:28px}.guide-cards-section h3{font-family:var(--font-display);font-size:1rem;font-weight:700;margin-bottom:12px}.guide-card{border:1px solid var(--border);border-radius:8px;padding:16px;margin-bottom:8px;background:var(--bg2)}.guide-card-title{font-family:var(--font-display);font-weight:700;font-size:.9rem;margin-bottom:6px}.guide-card-body{font-size:.85rem;color:var(--text2);line-height:1.65}.main-cta-block{border:2px solid var(--accent);border-radius:var(--radius);overflow:hidden;margin-bottom:24px;background:#fff}.main-cta-label{display:block;background:var(--accent);color:#fff;font-size:.72rem;font-weight:700;padding:5px 14px;letter-spacing:.04em}.main-cta-name{font-family:var(--font-display);font-size:1.05rem;font-weight:800;color:var(--text);padding:14px 16px 4px}.main-cta-tagline{font-size:.82rem;color:var(--text2);padding:0 16px 10px;line-height:1.6}.main-cta-points{padding:0 16px 10px 32px;margin:0;font-size:.85rem;color:var(--text);line-height:1.75}.main-cta-review{padding:8px 16px;background:var(--bg2);font-size:.8rem;color:var(--text2);border-top:1px solid var(--border)}.main-cta-review .review-stars{color:#f59e0b;margin-right:6px}.main-cta-review .review-text{font-style:italic}.main-cta-btn{display:block;margin:14px 16px 6px;padding:13px 20px;background:var(--accent);color:#fff;font-weight:700;font-size:.95rem;border-radius:8px;text-align:center;text-decoration:none;position:relative;transition:opacity .2s}.main-cta-btn:hover{opacity:.88}.main-cta-btn:after{content:"";position:absolute;right:16px;top:50%;transform:translateY(-50%) rotate(45deg);width:7px;height:7px;border-top:2px solid #fff;border-right:2px solid #fff}.main-cta-microcopy{text-align:center;font-size:.72rem;color:var(--text3);margin:2px 16px 8px}.main-cta-basis{font-size:.7rem;color:var(--text3);padding:0 16px 8px;line-height:1.5}.main-cta-pr{font-size:.7rem;color:var(--text3);padding:0 16px 12px;text-align:center}.cta-block--purple{border-color:#7c3aed!important}.cta-label--purple{background:#7c3aed!important}.cta-btn--purple{background:linear-gradient(135deg,#7c3aed,#5b21b6)!important}.cta-block--orange{border-color:#ea580c!important}.cta-label--orange{background:#ea580c!important}.cta-btn--orange{background:linear-gradient(135deg,#ea580c,#c2410c)!important}.cta-block--cyan{border-color:#0891b2!important}.cta-label--cyan{background:#0891b2!important}.cta-btn--cyan{background:linear-gradient(135deg,#0891b2,#0e7490)!important}.cta-block--green{border-color:#16a34a!important}.cta-label--green{background:#16a34a!important}.cta-btn--green{background:linear-gradient(135deg,#16a34a,#15803d)!important}.cta-block--blue{border-color:#1d4ed8!important}.cta-label--blue{background:#1d4ed8!important}.cta-btn--blue{background:linear-gradient(135deg,#1d4ed8,#1e40af)!important}.cta-block--gray{border-color:#64748b!important}.cta-label--gray{background:#64748b!important}.cta-btn--gray{background:linear-gradient(135deg,#64748b,#475569)!important}.cta-btn--red{background:linear-gradient(135deg,#bf0000,#8b0000)!important}.cta-btn--muted{background:#94a3b8!important;cursor:default!important}.info-box--purple{background:#f3f0ff;border:1px solid #c4b5fd;border-radius:8px;padding:14px 16px;margin-bottom:16px;font-size:.85rem;color:#4c1d95;line-height:1.7}.sub-cta{border:1px solid var(--border);border-radius:var(--radius);padding:20px 24px;margin-bottom:28px;background:var(--bg2);text-align:center}.sub-cta-label{display:inline-block;font-size:.7rem;font-weight:700;letter-spacing:.06em;color:var(--text3);border:1px solid var(--border);border-radius:20px;padding:2px 10px;margin-bottom:10px}.sub-cta-title{font-size:.95rem;font-weight:700;color:var(--text);margin-bottom:6px}.sub-cta-desc{font-size:.8rem;color:var(--text2);margin-bottom:14px;line-height:1.6}.sub-cta-btn{display:inline-block;background:transparent;color:var(--accent);border:1.5px solid var(--accent);font-size:.9rem;font-weight:700;padding:10px 28px;border-radius:8px;text-decoration:none;transition:background .2s,color .2s}.sub-cta-btn:hover{background:var(--accent);color:#fff}.sub-cta-note{font-size:.72rem;color:var(--text3);margin-top:8px}.insurance-cta-wrap{text-align:center;margin:16px 0 28px}.insurance-cta-btn{display:inline-block;padding:12px 28px;background:#fff;color:#2563eb;border:2px solid #2563eb;border-radius:8px;font-weight:700;font-size:.85rem;text-decoration:none}