:root{--ink:#18212f;--muted:#657184;--paper:#fff;--soft:#f4f7f7;--line:#dfe7e6;--brand:#176b62;--brand2:#d9f0eb;--warm:#fff7e8;--max:1120px}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}
a{color:#0f6259;text-underline-offset:3px}.wrap{width:min(var(--max),calc(100% - 36px));margin:auto}
header{border-bottom:1px solid var(--line);background:#fff}.nav{display:flex;align-items:center;justify-content:space-between;gap:22px;min-height:72px}
.logo{font-weight:900;font-size:1.35rem;color:var(--ink);text-decoration:none}.logo b{color:var(--brand)}
nav{display:flex;gap:18px;align-items:center;flex-wrap:wrap}nav a{color:var(--ink);text-decoration:none;font-size:.94rem;font-weight:700}
.hero{padding:78px 0 58px;background:linear-gradient(135deg,#f0faf8,#fff9ed)}.hero h1,.article h1{letter-spacing:-.035em;line-height:1.06}
.hero h1{font-size:clamp(2.4rem,5vw,4.8rem);max-width:900px;margin:.15em 0}.article h1{font-size:clamp(2.1rem,5vw,3.5rem)}
.kicker{font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;font-weight:900;color:var(--brand)}.lead{font-size:1.15rem;color:var(--muted);max-width:780px}
.btn{display:inline-block;padding:.8rem 1.1rem;border-radius:10px;background:var(--brand);color:white;text-decoration:none;font-weight:800}
section{padding:48px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{border:1px solid var(--line);border-radius:15px;padding:24px;background:#fff}
.card h3{margin-top:0}.article{max-width:820px;margin:auto}.article h2{margin-top:2.3rem;line-height:1.2}.article h3{line-height:1.25}
.note{padding:22px;border-radius:14px;background:var(--soft);margin:26px 0}.offer{padding:25px;border-radius:14px;background:var(--warm);border:1px solid #f1dfba;margin:30px 0}
.disclosure{font-size:.9rem;color:var(--muted);border-left:3px solid var(--brand);padding-left:13px}.crumb{font-size:.88rem;color:var(--muted);padding-top:22px}
table{width:100%;border-collapse:collapse;margin:22px 0}th,td{padding:12px;border:1px solid var(--line);text-align:left;vertical-align:top}th{background:var(--soft)}
footer{margin-top:55px;background:#152521;color:#dfeae7;padding:44px 0}footer a{color:#fff}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}
@media(max-width:760px){.grid,.foot{grid-template-columns:1fr}.nav{align-items:flex-start;flex-direction:column;padding:14px 0}nav{gap:11px}.hero{padding:48px 0}.btn{width:100%;text-align:center}table{font-size:.88rem}}

.decision{display:grid;grid-template-columns:1.2fr .8fr;gap:22px;align-items:start;margin:30px 0}
.verdict{background:#eef8f5;border:1px solid #cde7df;border-radius:16px;padding:26px}
.checks{list-style:none;padding:0}.checks li{padding:.42rem 0}.checks li:before{content:"✓";font-weight:900;margin-right:.65rem;color:var(--brand)}
.cta-panel{background:#173b36;color:#fff;border-radius:16px;padding:28px;margin:30px 0}.cta-panel h2,.cta-panel h3{color:#fff;margin-top:0}.cta-panel p{color:#e5f2ef}.cta-panel .btn{background:#fff;color:#173b36}
.micro{font-size:.84rem;color:var(--muted)}.cta-panel .micro{color:#cfe1dd}
.compare-box{border:1px solid var(--line);border-radius:15px;padding:22px;margin:22px 0}.compare-box strong{display:block;font-size:1.05rem;margin-bottom:.3rem}
.pull{font-size:1.3rem;line-height:1.45;font-weight:800;padding:24px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin:28px 0}
@media(max-width:760px){.decision{grid-template-columns:1fr}}