:root{--ink:#1b1f24;--muted:#5a6470;--line:#e2e6ea;--bg:#fff;--soft:#f5f7f9;--brand:#1f3a5f;--accent:#c4691b;--max:760px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--brand)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.preview-bar{background:#fff4d6;color:#5c4400;text-align:center;font-size:14px;padding:6px 12px;border-bottom:1px solid #f0d58a}
.site-header{border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:8px;padding-top:14px;padding-bottom:14px}
.brand{font-weight:700;text-decoration:none;color:var(--ink);font-size:18px}
.brand span{color:var(--accent)}
nav{display:flex;flex-wrap:wrap;gap:16px}
nav a{text-decoration:none;color:var(--muted);font-size:15px}
nav a:hover{color:var(--ink)}
main{padding-top:28px;padding-bottom:48px}
h1{font-size:2rem;line-height:1.25;margin:.2em 0 .5em}
h2{font-size:1.35rem;line-height:1.3;margin:1.8em 0 .5em}
h3{font-size:1.1rem;margin:1.4em 0 .4em}
.lead{font-size:1.12rem;color:var(--muted)}
.hero{padding:12px 0 8px}
.btn{display:inline-block;background:var(--brand);color:#fff;text-decoration:none;padding:10px 18px;border-radius:6px;font-weight:600}
.points{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px;margin:28px 0}
.points div{background:var(--soft);border-radius:8px;padding:14px 16px}
.points h2{font-size:1.02rem;margin:0 0 .3em}
.points p{margin:0;font-size:15px;color:var(--muted)}
.cards{list-style:none;padding:0;margin:0}
.card{border:1px solid var(--line);border-radius:8px;padding:14px 18px;margin:12px 0}
.card h3{margin:0 0 .3em}
.card a{text-decoration:none}
.card p{margin:.2em 0}
.meta,.crumbs,.small{color:var(--muted);font-size:14px}
.prose blockquote{margin:1.2em 0;padding:10px 16px;background:var(--soft);border-left:4px solid var(--accent);border-radius:4px}
.prose blockquote p{margin:.3em 0}
.table-wrap{overflow-x:auto;margin:1em 0}
table{border-collapse:collapse;width:100%;font-size:15px}
th,td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}
th{background:var(--soft)}
code{background:var(--soft);padding:1px 4px;border-radius:3px}
.aff-placeholder,.placeholder{background:#fff4d6;border:1px dashed #d19a00;color:#5c4400;padding:0 4px;border-radius:3px;font-weight:600;white-space:nowrap}
.site-footer{border-top:1px solid var(--line);background:var(--soft);padding:20px 0;font-size:14px;color:var(--muted)}
.site-footer a{color:var(--muted)}
@media (max-width:520px){body{font-size:16px}h1{font-size:1.6rem}}
[hidden]{display:none!important}
.btn-ghost{background:#fff;color:var(--brand);border:1px solid var(--brand);cursor:pointer;font:inherit;font-weight:600}
.hero .btn{margin:4px 8px 4px 0}
.tool-promo{border:2px solid var(--brand);border-radius:10px;padding:14px 18px;margin:24px 0}
.tool-promo h2{margin-top:0}
.callout{background:#fff4d6;border:1px solid #f0d58a;border-radius:8px;padding:10px 14px;margin:14px 0;font-size:15px}
.calc fieldset{border:1px solid var(--line);border-radius:8px;padding:12px 16px 4px;margin:0 0 16px;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:4px 16px}
.calc legend{font-weight:700;padding:0 6px}
.calc label{display:block;font-size:15px;margin:0 0 12px}
.calc input[type=number]{display:block;width:100%;margin-top:4px;padding:9px 10px;font-size:16px;border:1px solid #c9d0d7;border-radius:6px;background:#fff;color:var(--ink)}
.calc input[type=number]:focus{outline:2px solid var(--brand);outline-offset:1px}
.calc .radios{grid-column:1/-1;display:flex;flex-wrap:wrap;gap:18px;margin-bottom:10px}
.calc label.radio{display:flex;align-items:center;gap:6px;margin:0;font-weight:600}
.calc .tier-grid{grid-column:1/-1;display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:4px 16px}
.calc .tier-grid .hint{grid-column:1/-1}
.hint{display:block;color:var(--muted);font-size:13px;margin-top:3px}
.results{background:var(--soft);border-radius:10px;padding:6px 18px 12px;margin:8px 0 24px}
.results h2{margin-top:.8em}
.result-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:12px}
.result-grid div{background:#fff;border:1px solid var(--line);border-radius:8px;padding:10px 12px}
.result-grid .label{display:block;font-size:13px;color:var(--muted)}
.result-grid .value{display:block;font-size:1.45rem;font-weight:700;color:var(--brand)}
/* v2: wide layout, comparison calculator, compare grid, guide boxes */
main.wrap.wide{max-width:1180px}
main.wrap.wide .prose,main.wrap.wide>.lead,main.wrap.wide>h1,main.wrap.wide>.callout,main.wrap.wide>blockquote{max-width:var(--max)}
main.wrap.wide>blockquote{margin:1.2em 0;padding:10px 16px;background:var(--soft);border-left:4px solid var(--accent);border-radius:4px}
.calc input[type=text]{display:block;width:100%;margin-top:4px;padding:9px 10px;font-size:16px;border:1px solid #c9d0d7;border-radius:6px;background:#fff;color:var(--ink)}
.offers{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;align-items:start}
.calc fieldset.offer{display:block;margin:0;border-color:#c9d0d7}
.calc fieldset.offer:nth-of-type(1){border-top:4px solid var(--brand)}
.calc fieldset.offer:nth-of-type(2){border-top:4px solid var(--accent)}
.calc fieldset.offer:nth-of-type(3){border-top:4px solid #4d7c4a}
.offer .radios{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:10px}
.offer .tier-grid{display:grid;grid-template-columns:1fr 1fr;gap:4px 12px}
details.more{border-top:1px solid var(--line);margin:4px 0 8px;padding-top:6px}
details.more summary{cursor:pointer;font-weight:600;color:var(--brand);margin-bottom:8px}
.calc label.check{display:flex;gap:8px;align-items:flex-start;font-size:14px}
.calc label.check input{margin-top:4px;flex:none;width:18px;height:18px}
.calc-actions{margin:14px 0}
.calc-actions .btn{margin:4px 8px 4px 0}
.verdict{background:#e8f3e6;border:1px solid #b9d8b3;border-radius:8px;padding:10px 14px;font-size:1.05rem}
table.cmp th:first-child,table.cmp td:first-child{position:sticky;left:0;background:#fff;z-index:1;min-width:150px}
table.cmp thead th{background:var(--soft)}
table.cmp td{white-space:nowrap}
table.cmp td.best{background:#e8f3e6;font-weight:700}
.badge{display:inline-block;background:#2f6b2a;color:#fff;font-size:12px;font-weight:700;border-radius:999px;padding:1px 8px;margin-left:6px;vertical-align:middle;white-space:nowrap}
#cmp-math details{margin:8px 0}
#cmp-math summary{cursor:pointer;color:var(--brand);font-weight:600}
.takeaways{border:2px solid var(--brand);border-radius:10px;padding:4px 18px 8px;margin:18px 0;background:#f4f7fb}
.takeaways h2{font-size:1.1rem;margin:.7em 0 .3em}
.takeaways ul{margin:.3em 0;padding-left:1.2em}
.takeaways li{margin:.35em 0}
.next-steps{background:var(--soft);border-radius:10px;padding:4px 18px 8px;margin:28px 0}
.next-steps h2{font-size:1.1rem;margin:.7em 0 .3em}
/* compare grid */
.grid-wrap{border:1px solid var(--line);border-radius:8px;max-height:none}
table.grid{font-size:14px;min-width:1500px}
table.grid caption{text-align:left;font-size:13px;color:var(--muted);padding:6px 10px}
table.grid thead th{position:sticky;top:0;background:var(--soft);z-index:2}
table.grid th.co{position:sticky;left:0;background:#fff;z-index:1;min-width:170px}
table.grid td{min-width:150px}
table.grid td.take{background:#fbfaf6}
.co-name{display:block;font-size:16px;font-weight:700}
.cta{display:block;font-weight:400;font-size:13px;margin-top:6px}
.np{display:inline-block;font-weight:700;color:#7a4a00;background:#fff4d6;border-radius:3px;padding:0 4px}
.src{display:block;margin-top:6px;font-size:12px;color:var(--muted)}
.sources{font-size:14px;word-break:break-word}
@media (max-width:760px){
  table.grid{min-width:0;font-size:15px}
  .grid-wrap{border:0;overflow:visible}
  table.grid,table.grid tbody,table.grid tr,table.grid th,table.grid td,table.grid caption{display:block;width:100%}
  table.grid caption{padding:0 0 10px}
  table.grid th.co .small{color:#dfe6ef}
  table.grid thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
  table.grid tr{border:1px solid var(--line);border-radius:10px;margin:0 0 18px;overflow:hidden}
  table.grid th.co{position:static;background:var(--brand);color:#fff;border:0;padding:12px 14px}
  table.grid th.co a{color:#fff}
  table.grid th.co .aff-placeholder{color:#5c4400}
  table.grid td{border:0;border-top:1px solid var(--line);padding:10px 14px;min-width:0}
  table.grid td::before{content:attr(data-label);display:block;font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.03em;color:var(--muted);margin-bottom:2px}
  .offer .tier-grid{grid-template-columns:1fr}
}

/* ---- v3: forms, new tools, checklist ---- */
nav a.nav-cta{background:var(--accent);color:#fff;padding:4px 10px;border-radius:5px;font-weight:600}
nav a.nav-cta:hover{color:#fff;opacity:.92}
.btn-ghost{background:#fff;color:var(--brand);border:1px solid var(--brand)}
.quote-promo{border:2px solid var(--accent)}
.lead-form{margin:1.2em 0}
.lead-form fieldset{border:1px solid var(--line);border-radius:8px;padding:12px 16px 4px;margin:0 0 16px}
.lead-form legend{font-weight:700;padding:0 6px}
.lead-form label{display:block;margin:0 0 12px;font-weight:600;font-size:15px}
.lead-form input[type=text],.lead-form input[type=email],.lead-form input[type=tel],.lead-form select,.lead-form textarea{display:block;width:100%;box-sizing:border-box;margin-top:4px;padding:9px 10px;font:inherit;font-weight:400;border:1px solid #c5ccd3;border-radius:6px;background:#fff}
.lead-form .opt,.lead-form .hint{font-weight:400;color:var(--muted);font-size:14px}
.lead-form .hint{display:block;margin-top:3px}
.lead-form label.check{display:flex;gap:8px;align-items:flex-start;font-weight:400}
.lead-form label.check input{margin-top:6px}
.lead-form .checks{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:0 14px}
.lead-form .consent{background:var(--soft);padding:10px 12px;border-radius:6px}
.lead-form.compact{max-width:480px;border:1px solid var(--line);border-radius:8px;padding:16px}
.lead-form button.btn{border:0;font:inherit;font-weight:600;cursor:pointer}
.radios.rating{display:flex;flex-wrap:wrap;gap:4px 14px;align-items:center;margin-bottom:12px}
.hp{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}
.cf-turnstile{margin:8px 0 12px}
.cl-preview{columns:2;column-gap:28px}
@media (max-width:600px){.cl-preview{columns:1}}
.calc p.sub{font-weight:700;margin:14px 0 8px;border-top:1px solid var(--line);padding-top:12px}
table.results th{width:65%;font-weight:400}
.cash-bar{display:flex;height:30px;border-radius:6px;overflow:hidden;margin:10px 0;font-size:12px;color:#fff;background:var(--soft)}
.cash-bar .seg{display:flex;align-items:center;justify-content:center;white-space:nowrap;overflow:hidden}
.cash-bar .today{background:#2e7d4f}.cash-bar .later{background:var(--brand)}.cash-bar .cost{background:#b23b3b}.cash-bar .fuel{background:var(--accent)}
.printable .pr-head h1{margin-bottom:4px}
.printable .pr-head p{margin:2px 0;color:var(--muted);font-size:14px}
.printable .pr-how{color:var(--ink)!important;font-size:15px!important;margin-top:8px!important}
table.cl{width:100%;border-collapse:collapse;font-size:14px;line-height:1.4}
table.cl td.box{width:22px;font-size:18px;text-align:center}
table.cl td.ans,table.cl th.ans{width:24%}
.pr-sources{font-size:12.5px;color:var(--muted);margin-top:16px}
@media print{
  .preview-bar,.site-header,.site-footer,.no-print{display:none!important}
  body{font-size:11pt}
  .wrap{max-width:none;padding:0}
  .printable h2{font-size:13pt;margin:10px 0 4px}
  table.cl{font-size:9.5pt;page-break-inside:auto}
  table.cl tr{page-break-inside:avoid}
  a{color:inherit;text-decoration:none}
  @page{margin:12mm}
}
.calc fieldset p.sub,.calc fieldset .radios,.calc fieldset label.check{grid-column:1/-1}
.calc fieldset .radios{display:flex;flex-wrap:wrap;gap:4px 16px;align-items:center}
/* ---- Oct 26 fixes: long URLs/words wrap on phones; consent label text stays one block ---- */
.prose a,.sources a,.src a,.takeaways a,.next-steps a{overflow-wrap:anywhere;word-break:normal}
.prose,.prose p,.prose li,.prose td,.prose th{overflow-wrap:break-word}
.prose pre{max-width:100%;overflow-x:auto;white-space:pre-wrap;overflow-wrap:anywhere}
.prose code{overflow-wrap:anywhere}
.prose img{max-width:100%;height:auto}
label.check>span{flex:1 1 auto;min-width:0}
@media (max-width:360px){.lead-form.compact{border:0;padding:0}}