:root{--black:#0a0a0a;--gray-dark:#374151;--gray-mid:#6b7280;--gray-light:#f9fafb;--border:#e5e7eb;--green:#16a34a;--green-light:#dcfce7;--amber-light:#fef3c7;--amber:#d97706;--red-light:#fef2f2;--red:#dc2626;--white:#ffffff}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
body{font-family:system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;font-size:16px;line-height:1.6;color:var(--black);background:var(--white)}
a{color:var(--green);text-decoration:none}
a:hover{text-decoration:underline}
.site-header{border-bottom:1px solid var(--border);padding:0 1rem;position:sticky;top:0;background:var(--white);z-index:100}
.site-header-inner{max-width:1100px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;height:56px}
.site-logo{font-family:Georgia,'Times New Roman',serif;font-size:22px;font-weight:700;color:var(--black);letter-spacing:-0.5px}
.site-logo span{color:var(--green)}
.site-nav{display:flex;gap:24px}
.site-nav a{font-size:14px;color:var(--gray-dark);font-weight:500}
.site-nav a:hover{color:var(--black);text-decoration:none}
.trust-bar{background:var(--gray-light);border-bottom:1px solid var(--border);padding:6px 1rem;text-align:center;font-size:12px;color:var(--gray-mid)}
.trust-bar strong{color:var(--gray-dark)}
.page-wrap{max-width:780px;margin:0 auto;padding:2rem 1rem 4rem}
.breadcrumb{font-size:13px;color:var(--gray-mid);margin-bottom:1.5rem}
.breadcrumb a{color:var(--gray-mid)}
.breadcrumb span{margin:0 6px}
.article-header{margin-bottom:2rem}
.article-category{font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--green);margin-bottom:.75rem}
.article-title{font-family:Georgia,'Times New Roman',serif;font-size:clamp(28px,5vw,40px);font-weight:700;line-height:1.2;letter-spacing:-.5px;color:var(--black);margin-bottom:1rem}
.article-subtitle{font-size:18px;color:var(--gray-dark);line-height:1.5;margin-bottom:1.25rem}
.article-meta{display:flex;align-items:center;gap:16px;font-size:13px;color:var(--gray-mid);padding-bottom:1.25rem;border-bottom:1px solid var(--border);flex-wrap:wrap}
.meta-author{display:flex;align-items:center;gap:6px}
.author-avatar{width:28px;height:28px;border-radius:50%;background:var(--green-light);display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:600;color:var(--green)}
.quick-answer{background:var(--gray-light);border-left:3px solid var(--green);border-radius:0 8px 8px 0;padding:1.25rem 1.5rem;margin:2rem 0}
.quick-answer-label{font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--green);margin-bottom:.5rem}
.quick-answer p{font-size:15px;color:var(--gray-dark);line-height:1.6}
.toc{background:var(--gray-light);border:1px solid var(--border);border-radius:8px;padding:1.25rem 1.5rem;margin:2rem 0}
.toc-title{font-size:13px;font-weight:600;text-transform:uppercase;letter-spacing:.06em;color:var(--gray-mid);margin-bottom:.75rem}
.toc ol{padding-left:1.25rem;font-size:14px}
.toc li{margin-bottom:4px}
h2{font-family:Georgia,'Times New Roman',serif;font-size:26px;font-weight:700;color:var(--black);margin:2.5rem 0 1rem;line-height:1.3;letter-spacing:-.3px}
h3{font-size:18px;font-weight:600;color:var(--black);margin:2rem 0 .75rem;line-height:1.4}
p{margin-bottom:1rem;color:var(--gray-dark)}
ul,ol{color:var(--gray-dark)}
.comparison-section{margin:2.5rem 0}
.comparison-label{font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--gray-mid);margin-bottom:1rem}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse;font-size:14px;min-width:560px}
thead th{background:var(--black);color:var(--white);text-align:left;padding:10px 12px;font-size:11px;font-weight:600;letter-spacing:.06em;text-transform:uppercase}
thead th:first-child{border-radius:6px 0 0 0}
thead th:last-child{border-radius:0 6px 0 0}
tbody tr{border-bottom:1px solid var(--border)}
tbody tr:hover{background:var(--gray-light)}
tbody td{padding:12px;color:var(--gray-dark);vertical-align:top}
tbody td:first-child{font-weight:600;color:var(--black)}
.badge{display:inline-block;font-size:11px;font-weight:600;padding:2px 8px;border-radius:4px}
.badge-best{background:var(--green-light);color:var(--green)}
.badge-no-check{background:var(--amber-light);color:var(--amber)}
.badge-no-fee{background:var(--green-light);color:var(--green)}
.card-review{border:1px solid var(--border);border-radius:10px;padding:1.5rem;margin:1.5rem 0;scroll-margin-top:70px}
.card-review-header{display:flex;align-items:flex-start;justify-content:space-between;gap:1rem;margin-bottom:1rem}
.card-rank{font-size:11px;font-weight:600;color:var(--gray-mid);letter-spacing:.06em;text-transform:uppercase;margin-bottom:4px}
.card-name{font-family:Georgia,'Times New Roman',serif;font-size:20px;font-weight:700;color:var(--black);line-height:1.2;margin-bottom:4px}
.card-tagline{font-size:13px;color:var(--gray-mid)}
.stars{color:#f59e0b;font-size:14px;letter-spacing:1px;white-space:nowrap}
.card-stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(110px,1fr));gap:8px;margin:1rem 0;padding:1rem;background:var(--gray-light);border-radius:6px}
.stat{display:flex;flex-direction:column}
.stat-label{font-size:11px;color:var(--gray-mid);font-weight:500;margin-bottom:2px}
.stat-value{font-size:14px;font-weight:600;color:var(--black)}
.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:1rem 0}
.pros strong,.cons strong{display:block;font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.06em;margin-bottom:6px}
.pros strong{color:var(--green)}
.cons strong{color:var(--red)}
.pros ul,.cons ul{padding-left:1rem;font-size:13px}
.pros li,.cons li{color:var(--gray-dark);margin-bottom:4px}
.card-verdict{border-top:1px solid var(--border);padding-top:1rem;margin-top:1rem;font-size:14px;color:var(--gray-dark);line-height:1.6}
.card-verdict strong{color:var(--black)}
.btn-apply{display:inline-block;background:var(--green);color:var(--white);font-weight:600;font-size:14px;padding:10px 20px;border-radius:6px;margin-top:1rem;min-height:44px;line-height:1.5;transition:background .15s}
.btn-apply:hover{background:#15803d;text-decoration:none;color:var(--white)}
.faq-section{margin:3rem 0}
.faq-item{border-bottom:1px solid var(--border);padding:1.25rem 0}
.faq-item:first-of-type{border-top:1px solid var(--border)}
.faq-question{font-size:16px;font-weight:600;color:var(--black);cursor:pointer;display:flex;align-items:flex-start;justify-content:space-between;gap:1rem;list-style:none}
.faq-question::-webkit-details-marker{display:none}
.faq-toggle{font-size:20px;color:var(--gray-mid);flex-shrink:0;line-height:1.3;transition:transform .2s}
details[open] .faq-toggle{transform:rotate(45deg)}
.faq-answer{font-size:15px;color:var(--gray-dark);line-height:1.7;padding-top:.75rem}
.methodology{background:var(--gray-light);border:1px solid var(--border);border-radius:8px;padding:1.25rem 1.5rem;margin:2.5rem 0;font-size:14px;color:var(--gray-dark)}
.methodology strong{color:var(--black);display:block;margin-bottom:6px}
.disclosure{font-size:12px;color:var(--gray-mid);border-top:1px solid var(--border);padding-top:1.5rem;margin-top:2.5rem;line-height:1.6}
.site-footer{background:var(--black);color:#9ca3af;padding:2rem 1rem;font-size:13px;margin-top:4rem}
.site-footer-inner{max-width:1100px;margin:0 auto;display:flex;flex-direction:column;gap:1rem}
.footer-logo{font-family:Georgia,'Times New Roman',serif;font-size:18px;color:var(--white);font-weight:700}
.footer-logo span{color:var(--green)}
.footer-links{display:flex;gap:20px;flex-wrap:wrap}
.footer-links a{color:#9ca3af;font-size:13px}
.footer-links a:hover{color:var(--white);text-decoration:none}
.prose-section p{margin-bottom:1rem}
.prose-section ul,.prose-section ol{padding-left:1.25rem;margin-bottom:1rem}
.prose-section li{margin-bottom:6px;color:var(--gray-dark)}
.info-box{background:var(--green-light);border-left:3px solid var(--green);border-radius:0 8px 8px 0;padding:1rem 1.25rem;margin:1.5rem 0;font-size:14px;color:var(--gray-dark)}
.warning-box{background:var(--amber-light);border-left:3px solid var(--amber);border-radius:0 8px 8px 0;padding:1rem 1.25rem;margin:1.5rem 0;font-size:14px;color:var(--gray-dark)}
.step-list{counter-reset:steps;list-style:none;padding:0;margin:1.5rem 0}
.step-list li{counter-increment:steps;display:flex;gap:1rem;margin-bottom:1.25rem;align-items:flex-start}
.step-list li::before{content:counter(steps);background:var(--black);color:var(--white);font-size:12px;font-weight:700;width:24px;height:24px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;margin:1.5rem 0}
.stat-card{background:var(--gray-light);border-radius:8px;padding:1.25rem;text-align:center}
.stat-card .big-number{font-family:Georgia,serif;font-size:36px;font-weight:700;color:var(--green);line-height:1}
.stat-card .big-label{font-size:13px;color:var(--gray-mid);margin-top:4px}
@media(max-width:600px){.site-nav{display:none}.card-review-header{flex-direction:column}.pros-cons{grid-template-columns:1fr}.two-col{grid-template-columns:1fr}}