:root{--ink:#10202b;--muted:#5e6b73;--paper:#f7f5ef;--card:#fff;--line:#d9dedf;--navy:#102b3b;--blue:#1d5970;--accent:#d36b3d;--soft:#e9f0f2;--max:1120px}*{box-sizing:border-box}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}a{color:var(--blue);text-decoration-thickness:1px;text-underline-offset:3px}header{background:var(--navy);color:#fff;border-bottom:1px solid #244552}.wrap{max-width:var(--max);margin:auto;padding:0 24px}.topbar{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:74px}.brand{font-weight:850;letter-spacing:-.02em;font-size:1.25rem;color:#fff;text-decoration:none}.brand span{color:#f4b18f}.nav{display:flex;gap:18px;flex-wrap:wrap}.nav a{color:#dfe8ec;text-decoration:none;font-size:.94rem}.hero{padding:84px 0 68px;background:linear-gradient(180deg,var(--navy),#173b4b);color:#fff}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-weight:800;font-size:.76rem;color:#f4b18f}.hero h1{font-size:clamp(2.3rem,5.8vw,5rem);line-height:.98;letter-spacing:-.055em;margin:.6rem 0 1.2rem;max-width:900px}.hero p{max-width:760px;color:#d8e5e9;font-size:1.13rem}.hero-ctas{display:flex;gap:12px;margin-top:28px;flex-wrap:wrap}.btn{display:inline-block;padding:12px 18px;border-radius:7px;font-weight:800;text-decoration:none}.btn.primary{background:#fff;color:var(--navy)}.btn.secondary{border:1px solid #67838f;color:#fff}.section{padding:56px 0}.section h2{font-size:2rem;letter-spacing:-.03em;margin:0 0 22px}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:22px}.card h3{margin:.3rem 0 .5rem;line-height:1.2}.card p{color:var(--muted);margin:.4rem 0}.kicker{font-size:.75rem;font-weight:800;color:var(--accent);text-transform:uppercase;letter-spacing:.1em}.meta{font-size:.88rem;color:var(--muted)}.notice{background:#fff8e9;border:1px solid #ead8af;border-radius:10px;padding:14px 16px;color:#604d28}.verified{background:#eaf4ee;border:1px solid #c5ddcf;border-radius:10px;padding:14px 16px;color:#224a35}.article{max-width:820px;margin:auto;padding:54px 24px 80px}.article h1{font-size:clamp(2.1rem,5vw,3.8rem);line-height:1.04;letter-spacing:-.045em;margin:.4rem 0 1rem}.article h2{margin-top:2.2rem;font-size:1.65rem;line-height:1.2}.article h3{margin-top:1.55rem}.article p,.article li{font-size:1.04rem}.article table{border-collapse:collapse;width:100%;margin:22px 0;font-size:.92rem;background:#fff}.article th,.article td{border:1px solid var(--line);padding:10px;text-align:left;vertical-align:top}.article th{background:#eef2f2}.article .cta{background:var(--navy);color:#fff;padding:24px;border-radius:12px;margin:28px 0}.article .cta a{color:#fff}.toc{background:#fff;border:1px solid var(--line);padding:18px;border-radius:10px}.toc strong{display:block;margin-bottom:8px}.badge{display:inline-block;background:var(--soft);padding:4px 8px;border-radius:999px;font-size:.78rem;font-weight:700;margin-right:6px}.source-list{font-size:.93rem;color:var(--muted)}footer{background:#0d202b;color:#b8c8cf;padding:42px 0}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}footer a{color:#dbe6ea}.fine{font-size:.84rem;color:#879aa2}.compare-row{display:grid;grid-template-columns:1.3fr .8fr .8fr;gap:12px;align-items:center;padding:13px 0;border-bottom:1px solid var(--line)}.status{font-size:.78rem;font-weight:800;color:#2d6445}.quote{border-left:3px solid var(--accent);padding-left:16px;color:#4c5b62}.pillrow{display:flex;gap:8px;flex-wrap:wrap;margin:18px 0}.industry{min-height:160px}@media(max-width:800px){.grid{grid-template-columns:1fr}.nav{display:none}.footergrid{grid-template-columns:1fr}.compare-row{grid-template-columns:1fr}.hero{padding:58px 0}.section{padding:40px 0}}

/* Phase 2 */
:root{--green:#2b6649;--amber:#8a5b18;--red:#8c3d32;--shadow:0 12px 34px rgba(18,43,57,.07)}
.topbar{position:relative}.nav a:hover{color:#fff}.subnav{background:#173b4b;border-top:1px solid #244d5d}.subnav .wrap{display:flex;gap:18px;padding-top:9px;padding-bottom:9px;overflow:auto;white-space:nowrap}.subnav a{color:#cfe0e6;text-decoration:none;font-size:.86rem}.card{box-shadow:var(--shadow)}
.product-table{overflow:auto;border:1px solid var(--line);border-radius:12px;background:#fff;margin:24px 0}.product-table table{margin:0;min-width:820px}.product-table th{position:sticky;top:0;background:#eef2f2}.verdict{border-left:4px solid var(--blue);background:#edf4f6;padding:18px 20px;border-radius:8px;margin:22px 0}.moneybox{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin:20px 0}.metric{background:#fff;border:1px solid var(--line);border-radius:10px;padding:16px}.metric b{display:block;font-size:1.45rem;letter-spacing:-.03em}.metric small{color:var(--muted)}.tool{max-width:980px;margin:auto;padding:54px 24px 80px}.calculator{display:grid;grid-template-columns:1fr 1fr;gap:24px}.panel{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px;box-shadow:var(--shadow)}.field{margin:14px 0}.field label{font-weight:750;display:flex;justify-content:space-between;gap:10px}.field input{width:100%;padding:11px 12px;border:1px solid #bbc7cc;border-radius:7px;font-size:1rem}.result{font-size:2rem;font-weight:850;letter-spacing:-.04em}.result.positive{color:var(--green)}.result.negative{color:var(--red)}.hint{font-size:.86rem;color:var(--muted)}.commercial{font-size:.88rem;background:#f7efe9;border:1px solid #ead2c4;border-radius:8px;padding:12px 14px}.cta-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px}.cta .btn.primary{background:#fff;color:var(--navy)}.cta .btn.secondary{border-color:#75909b}.status-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin:20px 0}.status-box{border:1px solid var(--line);background:#fff;border-radius:10px;padding:14px}.status-box b{display:block}.source-note{border-top:1px solid var(--line);padding-top:14px;margin-top:28px}.breadcrumbs{font-size:.85rem;color:var(--muted);margin-bottom:14px}.breadcrumbs a{color:var(--muted)}.mini-cta{background:#fff;border:1px solid var(--line);border-radius:10px;padding:16px;margin:18px 0}.category-list{display:flex;gap:8px;flex-wrap:wrap}.category-list a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 11px;text-decoration:none;font-size:.9rem}.data-stamp{font-size:.78rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}.faq details{background:#fff;border:1px solid var(--line);border-radius:8px;padding:12px 14px;margin:10px 0}.faq summary{font-weight:750;cursor:pointer}.legal-flag{background:#fff5f2;border:1px solid #ebcdc5;border-radius:10px;padding:15px 16px}
@media(max-width:800px){.calculator,.moneybox,.status-grid{grid-template-columns:1fr}.subnav{display:none}.tool{padding-top:36px}.product-table{margin-left:-12px;margin-right:-12px}}

/* Phase 3 */
.scorecard{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:20px 0}.scorecard .metric{min-height:112px}.callout{border:1px solid var(--line);background:#fff;border-radius:12px;padding:18px 20px;margin:22px 0}.callout.warning{border-left:4px solid #8c3d32;background:#fff7f5}.callout.good{border-left:4px solid #2b6649;background:#f6fbf8}.workflow{counter-reset:step}.workflow li{list-style:none;position:relative;padding:0 0 18px 42px}.workflow li:before{counter-increment:step;content:counter(step);position:absolute;left:0;top:0;width:28px;height:28px;border-radius:50%;display:grid;place-items:center;background:#173b4b;color:#fff;font-weight:800}.checklist li{margin:.55rem 0}.source-list a{word-break:break-word}.article h2{margin-top:2.2rem}.article h3{margin-top:1.5rem}.compare-strip{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.compare-strip>div{border:1px solid var(--line);border-radius:10px;padding:16px;background:#fff}.pending{background:#fff8df;border-color:#eadb95}.live{background:#eef9f2;border-color:#b9dbc5}@media(max-width:760px){.scorecard,.compare-strip{grid-template-columns:1fr}}