:root {
  --ink: #222426;
  --muted: #5e666f;
  --paper: #fbfaf7;
  --panel: #ffffff;
  --line: #d9d2c3;
  --emerald: #0f6a5f;
  --sapphire: #285c8f;
  --ruby: #9c254b;
  --gold: #b6842e;
  --shadow: 0 16px 40px rgba(34, 36, 38, 0.08);
}

* { box-sizing: border-box; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.62;
}
a { color: var(--sapphire); text-decoration-thickness: 1px; text-underline-offset: 3px; }
.skip-link {
  position: absolute;
  left: -999px;
  top: 8px;
  background: var(--ink);
  color: #fff;
  padding: 8px 12px;
}
.skip-link:focus { left: 8px; z-index: 10; }
.site-header {
  background: #fff;
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 5;
}
.nav-shell {
  align-items: center;
  display: flex;
  gap: 24px;
  justify-content: space-between;
  margin: 0 auto;
  max-width: 1180px;
  padding: 14px 20px;
}
.brand {
  align-items: center;
  color: var(--ink);
  display: inline-flex;
  gap: 10px;
  text-decoration: none;
}
.brand-mark {
  align-items: center;
  background: var(--emerald);
  color: #fff;
  display: inline-flex;
  font-weight: 700;
  height: 38px;
  justify-content: center;
  width: 38px;
}
.brand small { color: var(--muted); display: block; font-size: 12px; line-height: 1.2; }
.nav-links { display: flex; flex-wrap: wrap; gap: 14px; justify-content: flex-end; }
.nav-links a { color: var(--ink); font-size: 14px; text-decoration: none; }
.hero-band {
  background: linear-gradient(120deg, #f8f4ec 0%, #eef6f3 55%, #f9eff3 100%);
  border-bottom: 1px solid var(--line);
}
.hero-inner, .section-shell, .article-shell {
  margin: 0 auto;
  max-width: 1040px;
  padding: 42px 20px;
}
.hero-inner { max-width: 980px; }
.narrow { max-width: 820px; }
.eyebrow {
  color: var(--ruby);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0;
  margin: 0 0 8px;
  text-transform: uppercase;
}
h1, h2, h3 { letter-spacing: 0; line-height: 1.18; }
h1 { font-size: clamp(34px, 5vw, 64px); margin: 0 0 18px; }
h2 { font-size: 28px; margin: 0 0 16px; }
h3 { font-size: 19px; margin: 24px 0 8px; }
.lede { color: #394047; font-size: 19px; max-width: 760px; }
.review-note, .disclosure, .source-note, .site-footer p { color: var(--muted); font-size: 14px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 24px; }
.button {
  border: 1px solid var(--ink);
  display: inline-block;
  font-weight: 700;
  padding: 11px 16px;
  text-decoration: none;
}
.button.primary { background: var(--ink); color: #fff; }
.button.secondary { background: transparent; color: var(--ink); }
.hub-grid {
  display: grid;
  gap: 14px;
  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
}
.hub-card, .article-list article, .quick-answer-summary, .affiliate-panel {
  background: var(--panel);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
}
.hub-card {
  color: var(--ink);
  display: flex;
  flex-direction: column;
  min-height: 112px;
  justify-content: space-between;
  padding: 18px;
  text-decoration: none;
}
.hub-card span { font-weight: 700; }
.hub-card small { color: var(--muted); }
.article-list {
  display: grid;
  gap: 14px;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
}
.article-list article { padding: 18px; }
.article-list a { color: var(--ink); font-size: 18px; font-weight: 700; }
.article-list p { color: var(--muted); margin-bottom: 0; }
.sitemap-grid, .sitemap-topic-grid {
  display: grid;
  gap: 16px;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
}
.sitemap-panel, .sitemap-group, .sitemap-topic {
  background: var(--panel);
  border: 1px solid var(--line);
}
.sitemap-panel, .sitemap-topic { padding: 18px; }
.sitemap-group { margin: 20px 0; padding: 20px; }
.sitemap-group header {
  border-bottom: 1px solid var(--line);
  margin-bottom: 16px;
}
.sitemap-group h3 { margin-top: 0; }
.sitemap-topic h4 {
  color: var(--ruby);
  font-size: 14px;
  margin: 0 0 10px;
  text-transform: uppercase;
}
.sitemap-shell ul { margin-bottom: 0; padding-left: 20px; }
.sitemap-shell li { margin: 7px 0; }
.article-header { border-bottom: 1px solid var(--line); margin-bottom: 28px; padding-bottom: 22px; }
.quick-answer-summary, .content-block, .source-note, .affiliate-panel { margin: 26px 0; }
.quick-answer-summary, .affiliate-panel { padding: 22px; }
table {
  border-collapse: collapse;
  margin: 16px 0;
  width: 100%;
}
th, td {
  border: 1px solid var(--line);
  padding: 10px;
  text-align: left;
  vertical-align: top;
}
th { background: #f1eee7; }
.criteria-list {
  columns: 2;
  column-gap: 32px;
}
.site-footer {
  align-items: flex-start;
  background: #222426;
  color: #fff;
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  justify-content: space-between;
  padding: 28px 20px;
}
.site-footer a, .site-footer button { color: #fff; }
.site-footer nav { display: flex; flex-wrap: wrap; gap: 14px; }
.link-button {
  background: transparent;
  border: 0;
  cursor: pointer;
  font: inherit;
  padding: 0;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.cookie-banner {
  background: #fff;
  border: 1px solid var(--line);
  bottom: 16px;
  box-shadow: var(--shadow);
  left: 16px;
  max-width: 440px;
  padding: 16px;
  position: fixed;
  z-index: 20;
}
.cookie-banner[hidden] { display: none; }
.cookie-actions { display: flex; gap: 10px; margin-top: 12px; }
@media (max-width: 760px) {
  .nav-shell { align-items: flex-start; flex-direction: column; }
  .nav-links { justify-content: flex-start; }
  .criteria-list { columns: 1; }
  h1 { font-size: 36px; }
}