:root{--ink:#142d40;--muted:#526473;--paper:#f9faf7;--card:#fff;--accent:#155bea;--soft:#e9f0fe;--line:#dbe3e8;--display:Arial,Helvetica,sans-serif;--radius:14px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.7 system-ui,-apple-system,Segoe UI,sans-serif}a{color:var(--accent);text-underline-offset:4px}a:hover{text-decoration-thickness:2px}button,input,select,textarea{font:inherit}button,a,input,select,summary{touch-action:manipulation}button{cursor:pointer}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #e2a52c;outline-offset:4px}.wrap{max-width:1220px;margin:auto;padding-inline:32px}.private{background:var(--soft);font-size:12px;letter-spacing:.06em;text-align:center;padding:7px 16px;color:var(--ink)}.skip{position:absolute;left:16px;top:-100px;background:white;padding:10px;z-index:100}.skip:focus{top:10px}header{border-bottom:1px solid var(--line);background:var(--paper)}.head{display:flex;align-items:center;justify-content:space-between;gap:22px;min-height:100px}.brand{display:flex;align-items:center;gap:12px;color:var(--ink);text-decoration:none}.brand-mark{display:grid;place-items:center;background:var(--accent);color:white;width:40px;height:40px;border-radius:8px;font-size:21px;font-weight:850}.brand strong{display:block;font:800 22px/1.1 var(--display);letter-spacing:-.035em}.brand small{display:block;font-size:10px;letter-spacing:.16em;text-transform:uppercase;margin-top:7px}.nav{display:flex;align-items:center;gap:23px;font-size:13px;font-weight:650}.nav a{color:var(--ink);text-decoration:none}.nav a[aria-current=page]{border-bottom:2px solid var(--accent);padding-block:8px}.menu{display:none;background:none;border:1px solid var(--line);padding:7px 12px;color:var(--ink);border-radius:5px}h1,h2,h3,h4{line-height:1.13;font-family:var(--display);letter-spacing:-.035em;margin:0 0 22px}h1{font-size:clamp(38px,5vw,68px);font-weight:800;max-width:1000px}h2{font-size:clamp(29px,3.2vw,43px)}h3{font-size:23px}p{margin:0 0 22px}.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:11px;font-weight:800;color:var(--accent);margin-bottom:20px}.lede{font-size:20px;color:var(--muted);max-width:770px}.hero{padding-block:74px 65px}.hero-grid{display:grid;grid-template-columns:1.15fr 1fr;gap:60px;align-items:center}.hero-grid h1{font-size:clamp(40px,4.5vw,66px)}.actions{display:flex;gap:22px;align-items:center;flex-wrap:wrap;margin-top:32px}.button,button.primary{display:inline-flex;align-items:center;justify-content:center;gap:20px;text-decoration:none;padding:13px 20px;background:var(--accent);color:white;border:1px solid var(--accent);font-size:14px;font-weight:750;border-radius:6px}.button.secondary{background:transparent;color:var(--ink);border-color:var(--line)}.section{padding-block:65px}.section.compact{padding-block:36px}.section-head{display:flex;align-items:end;gap:40px;justify-content:space-between;margin-bottom:32px}.section-head p{max-width:540px;color:var(--muted);margin-bottom:0}.section-head h2{margin-bottom:0}.rule{border-top:1px solid var(--line)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid.two{grid-template-columns:repeat(2,1fr)}.card{background:var(--card);padding:30px;border:1px solid var(--line);border-radius:var(--radius)}.card h3{font-size:24px}.card p{color:var(--muted);font-size:15px}.card a{font-weight:650;font-size:14px}.card .number{display:block;font-size:11px;color:var(--accent);font-weight:700;letter-spacing:.12em;margin-bottom:24px}.card ul{font-size:15px;padding-left:20px}.tint{background:var(--soft)}.small,.fine{font-size:13px;color:var(--muted)}.tag{font-size:10px;letter-spacing:.09em;text-transform:uppercase;padding:4px 8px;border:1px solid var(--line);display:inline-block;border-radius:3px;margin-bottom:16px}.article-head{padding-block:48px 38px}.breadcrumb{font-size:12px;margin-bottom:26px}.breadcrumb a{color:var(--muted)}.article-head h1{font-size:clamp(36px,4.2vw,58px);max-width:930px}.reading{display:grid;grid-template-columns:minmax(0,800px) minmax(190px,260px);gap:70px;padding-bottom:80px}.prose{max-width:800px}.prose h2{font-size:31px;margin-top:46px}.prose h3{font-size:23px;margin-top:28px}.prose li{margin-block:10px}.prose table{font-size:15px}.answer{border-left:4px solid var(--accent);background:var(--soft);padding:24px 28px;margin-bottom:32px}.answer p:last-child{margin-bottom:0}.answer strong{display:block;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);margin-bottom:8px}.toc{position:sticky;top:22px;align-self:start;border-top:3px solid var(--accent);padding-top:18px;font-size:13px}.toc h2{font-size:16px;letter-spacing:0}.toc ol{padding-left:18px}.toc a{color:var(--muted)}.toc li{margin-block:12px}.table-scroll{overflow-x:auto;max-width:100%}table{border-collapse:collapse;width:100%;text-align:left}th,td{padding:14px 12px;border-bottom:1px solid var(--line);vertical-align:top}thead{font-size:11px;letter-spacing:.07em;text-transform:uppercase}th{font-weight:750}td p{margin-bottom:8px}.quote-preview{background:#142b48;color:white;padding:30px;border-radius:16px;box-shadow:0 25px 70px #163f6d18}.quote-preview h2{font:750 20px/1.3 system-ui;letter-spacing:-.02em}.quote-preview .small{color:#b9cce3}.quote-preview .row{display:grid;grid-template-columns:1fr auto;padding:12px 0;border-bottom:1px solid #ffffff25;font-size:13px;gap:12px}.quote-preview .row.best{padding:12px;background:#e6ff9a;color:#18362c;margin:7px -12px;border-radius:5px}.quote-preview .row strong{font-size:19px}.quote-preview .result{font-size:12px;color:#c7dded;margin-top:22px}.quote-preview .result b{color:#e6ff9a}.tool{padding:30px;border:1px solid var(--line);background:var(--card);border-radius:var(--radius);margin:30px 0}.tool h2{font-size:29px;margin-top:0}.fields{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin:22px 0}.fields.two{grid-template-columns:repeat(2,minmax(0,1fr))}.field{display:flex;flex-direction:column;font-size:12px;font-weight:700;gap:7px}.field input,.field select,.field textarea,.search input,.search select{width:100%;min-width:0;padding:10px 12px;border:1px solid var(--line);background:var(--paper);color:var(--ink);border-radius:5px}.field small{font-weight:400;color:var(--muted)}.tool-table{font-size:13px;min-width:850px}.tool-table input,.tool-table select{width:90px;padding:7px;border:1px solid var(--line);border-radius:4px;background:var(--card);color:var(--ink);font-size:12px}.tool-table .label-input{width:145px}.tool-table select{width:125px}.tool-table input[type=checkbox]{width:18px;height:18px;accent-color:var(--accent)}.tool-table .winner{background:var(--soft)}.tool-table .excluded{color:var(--muted)}.tool-table td{padding:10px 7px}.result-box{background:var(--soft);border-left:4px solid var(--accent);padding:22px;margin:22px 0;font-size:16px}.result-box p{margin:0}.result-box strong{font-size:24px;display:block}.tool-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}.tool-actions button{font-size:12px;padding:8px 13px;border:1px solid var(--line);background:var(--paper);color:var(--ink);border-radius:4px}.error{color:#ad2a29!important;font-weight:650}.search{display:flex;gap:14px;margin-bottom:28px;align-items:center}.search input{max-width:500px}.search label{font-size:12px}.provider-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.provider{padding:28px;border:1px solid var(--line);background:var(--card);border-radius:var(--radius)}.provider h2,.provider h3{font-size:25px}.provider p,.provider ul{font-size:14px;color:var(--muted)}.provider .type{font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:var(--accent)}[hidden]{display:none!important}.status{display:inline-block;font-size:10px;letter-spacing:.03em;border-radius:3px;padding:3px 6px;background:var(--soft);color:var(--ink)}.status.ask{background:#f2efeb;color:#655b52}.matrix{min-width:1000px;font-size:12px}.matrix td:first-child{min-width:180px}.matrix td{min-width:145px}.matrix details{font-size:12px;margin-top:8px}.matrix summary{cursor:pointer;color:var(--muted)}.checklist{list-style:none;padding:0!important}.checklist li{border-bottom:1px solid var(--line);padding:14px 0;margin:0}.checklist label{display:flex;gap:12px;align-items:start}.checklist input{margin-top:7px;accent-color:var(--accent);width:18px;height:18px;flex-shrink:0}.formula{font:15px/1.8 ui-monospace,Consolas,monospace;padding:22px;border:1px solid var(--line);background:var(--soft);overflow-wrap:anywhere}.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-block:25px}.stat{border-top:2px solid var(--accent);padding:15px 0}.stat span{display:block;font-size:11px;text-transform:uppercase;letter-spacing:.1em;color:var(--muted)}.stat strong{display:block;font:700 33px/1.4 var(--display)}.chart{border:1px solid var(--line);padding:28px;border-radius:10px;background:var(--card)}.chart-row{display:grid;grid-template-columns:100px 1fr 80px;gap:18px;align-items:center;font-size:12px;margin:20px 0}.track{height:32px;background:var(--soft);border-radius:3px;overflow:hidden}.bar{height:100%;background:var(--accent);min-width:2px}.bar.second{background:#b4cb5b}.chart .legend{font-size:11px}.source-list{font-size:13px;padding-left:20px}.source-list li{margin-bottom:14px;overflow-wrap:anywhere}.related{padding:26px 0;margin-top:40px;border-block:1px solid var(--line)}.related h2{margin-top:0;font-size:23px}.related li{font-size:14px}.cta-panel{padding:34px;background:var(--soft);border-radius:var(--radius);margin:38px 0}.cta-panel h2{font-size:29px;margin-top:0}.cta-panel p{font-size:15px}.faq details{border-top:1px solid var(--line);padding:20px 0}.faq summary{font-weight:700;cursor:pointer}.faq p{font-size:15px;margin-top:16px;color:var(--muted)}.score-weights label{display:grid;grid-template-columns:1fr 80px 110px;align-items:center;gap:16px;padding:12px 0;font-size:13px;border-bottom:1px solid var(--line)}.score-weights input,.score-weights select{width:100%;padding:8px;border:1px solid var(--line);background:var(--card);color:var(--ink);border-radius:3px}.video{padding:22px;background:var(--soft);border-radius:8px}.video iframe{width:100%;aspect-ratio:16/9;border:0;border-radius:5px}.video button{border:0;background:var(--accent);color:white;padding:12px 18px;font-size:13px}.video p{font-size:13px;margin-top:14px}.foot{border-top:1px solid var(--line);padding-block:35px 40px}.foot-main{display:flex;justify-content:space-between;gap:24px}.foot p{font-size:12px;max-width:550px;color:var(--muted);margin-bottom:10px}.foot a{font-size:12px;margin-right:20px}.foot strong{font:700 20px var(--display)}.read-next{font-size:13px;border-top:1px solid var(--line);padding-top:25px;margin-top:30px}.table-note{font-size:12px;color:var(--muted)}.tms{--ink:#2c2927;--muted:#6b625b;--paper:#faf7f0;--card:#fffdf7;--accent:#913b3e;--soft:#f0e6db;--line:#ddd4c6;--display:Georgia,'Times New Roman',serif;--radius:2px}.tms .brand-mark{border-radius:50%;font-family:Georgia}.tms .brand strong{font-size:27px;font-weight:600}.tms .hero h1{font-weight:500;font-size:clamp(42px,5.3vw,76px);max-width:920px}.tms .hero{padding-block:64px 50px}.tms .issue{display:flex;justify-content:space-between;font-size:11px;text-transform:uppercase;letter-spacing:.1em;border-bottom:1px solid var(--line);padding-bottom:12px;margin-bottom:38px}.tms .feature-story{display:grid;grid-template-columns:1.6fr 1fr;gap:60px}.tms .feature-side{border-left:1px solid var(--line);padding-left:30px}.tms h2,.tms h3{font-weight:500}.tms .button{border-radius:0}.tms .hero .lede{max-width:820px}.tms .number{color:var(--accent)}.cost{--ink:#15362f;--muted:#4f6d63;--paper:#f1f5ef;--card:#fbfdf9;--accent:#087b62;--soft:#ddebe1;--line:#c9dbcf;--display:Arial,Helvetica,sans-serif;--radius:8px}.cost .brand-mark{background:#d8f787;color:#18382d}.cost .dark{background:#12372f;color:#f4faef;padding-block:64px}.cost .dark h1{font-size:clamp(43px,5vw,74px);letter-spacing:-.05em}.cost .dark .eyebrow{color:#d5f77d}.cost .dark .lede{color:#b8d3c4}.cost .dark .button{background:#d5f77d;color:#173c30;border-color:#d5f77d}.cost .dark .button.secondary{background:none;border-color:#6c9181;color:#f3faef}.cost .lab-visual{background:#1a453a;border:1px solid #476e5c;padding:32px;border-radius:8px}.cost .lab-visual .small{color:#bdd3c4}.cost .lab-visual h2{font-size:23px}.cost .lab-visual svg{width:100%;height:auto}.cost .stats .stat strong{font-family:ui-monospace,Consolas,monospace}.cost .tool{border-top:4px solid var(--accent)}@media(min-width:1450px){.wrap{max-width:1320px}}@media(max-width:960px){.hero-grid{gap:30px}.nav{gap:14px;font-size:11px}.brand strong{font-size:19px}.tms .brand strong{font-size:24px}.grid{grid-template-columns:repeat(2,1fr)}.reading{gap:30px;grid-template-columns:minmax(0,1fr) 200px}.head{min-height:90px}.wrap{padding-inline:25px}.hero-grid h1{font-size:45px}}@media(max-width:720px){body{font-size:16px}.wrap{padding-inline:21px}.head{min-height:82px;flex-wrap:wrap;position:relative;padding-block:18px}.brand strong{font-size:21px}.brand small{font-size:9px}.menu{display:block}.nav{display:none;width:100%;flex-direction:column;align-items:start;gap:5px;padding-block:8px}.nav.open{display:flex}.nav a{font-size:14px;padding-block:9px}.hero,.section{padding-block:42px}.hero-grid,.tms .feature-story,.reading{grid-template-columns:1fr;gap:30px}.hero-grid h1,h1{font-size:43px}.tms .hero h1{font-size:46px}.lede{font-size:18px}.grid,.grid.two,.provider-grid{grid-template-columns:1fr}.section-head{display:block}.section-head h2{margin-bottom:20px}.toc{position:static;grid-row:1}.reading{padding-bottom:45px}.article-head{padding-block:30px}.article-head h1{font-size:39px}.fields,.fields.two{grid-template-columns:1fr 1fr}.tool{padding:20px}.stats{gap:12px}.stat strong{font-size:27px}.stat span{font-size:9px}.chart{padding:18px}.chart-row{grid-template-columns:70px 1fr 55px;gap:10px}.foot-main{display:block}.foot-main nav{margin-top:18px}.tms .feature-side{border-left:0;border-top:1px solid var(--line);padding:25px 0 0}.search{flex-wrap:wrap}.score-weights label{grid-template-columns:1fr 65px 95px;gap:9px}.tms .issue{font-size:9px;gap:15px}.cost .dark{padding-block:45px}.cost .dark h1{font-size:47px}.actions{gap:15px}.private{font-size:10px}.card{padding:25px}.fields label{min-width:0}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

.published-evidence{margin-top:36px}.evidence-grid{display:grid;gap:18px;grid-template-columns:repeat(3,minmax(0,1fr))}.prose .evidence-grid{grid-template-columns:1fr}.evidence-card{min-width:0;border:1px solid var(--line);background:var(--card);border-radius:var(--radius);padding:24px}.evidence-card h3{font-size:21px;margin:0 0 14px;overflow-wrap:anywhere}.evidence-card .eyebrow{margin:0 0 12px}.evidence-card p:last-child{margin-bottom:0}.evidence-card p{font-size:15px}.evidence-card .small{font-size:12px}@media(max-width:760px){.evidence-grid{grid-template-columns:1fr}}