:root {
  --paper: #ffffff;
  --paper-2: #f7f8f7;
  --paper-3: #eef1ef;
  --ink: #16191c;
  --ink-2: #48525a;
  --ink-3: #7c868d;
  --accent: #0f5c58;
  --accent-soft: #e6efee;
  --warn: #8a4b16;
  --rule: #e2e6e5;
  --serif: "Iowan Old Style", "Palatino Linotype", Palatino, Georgia, "Times New Roman", serif;
  --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.75;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; text-underline-offset: 3px; }

.wrap { max-width: 1080px; margin: 0 auto; padding: 0 24px; }
.narrow { max-width: 720px; margin: 0 auto; padding: 0 24px; }

/* ---------- header ---------- */
.site-head {
  border-bottom: 1px solid var(--rule);
  background: rgba(255,255,255,.94);
  position: sticky; top: 0; z-index: 40;
  backdrop-filter: saturate(180%) blur(8px);
}
.site-head .inner {
  max-width: 1080px; margin: 0 auto; padding: 0 24px;
  height: 64px; display: flex; align-items: center; justify-content: space-between; gap: 20px;
}
.logo {
  font-family: var(--serif);
  font-size: 20px; letter-spacing: .01em; color: var(--ink);
  font-weight: 400; white-space: nowrap;
}
.logo span { color: var(--accent); }
.logo:hover { text-decoration: none; }
.nav { display: flex; gap: 26px; font-size: 14.5px; }
.nav a { color: var(--ink-2); }
.nav a:hover { color: var(--ink); text-decoration: none; }
.nav a.on { color: var(--accent); }

/* ---------- hero ---------- */
.hero { padding: 64px 0 48px; border-bottom: 1px solid var(--rule); }
.hero h1 {
  font-family: var(--serif); font-weight: 400;
  font-size: 42px; line-height: 1.28; letter-spacing: -.01em;
  margin: 0 0 20px; max-width: 20em;
}
.hero .lede { font-size: 18px; color: var(--ink-2); max-width: 34em; margin: 0 0 28px; }
.hero .meta { font-size: 13px; color: var(--ink-3); letter-spacing: .04em; text-transform: uppercase; margin-bottom: 18px; }

.kicker {
  font-size: 12px; letter-spacing: .16em; text-transform: uppercase;
  color: var(--accent); margin: 0 0 14px; font-weight: 600;
}

/* ---------- cards ---------- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--rule); border: 1px solid var(--rule); }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; background: var(--rule); border: 1px solid var(--rule); }
.card { background: var(--paper); padding: 28px 26px; display: block; color: inherit; transition: background .18s; }
a.card:hover { background: var(--paper-2); text-decoration: none; }
.card .tag { font-size: 11px; letter-spacing: .14em; text-transform: uppercase; color: var(--accent); font-weight: 600; }
.card h3 { font-family: var(--serif); font-size: 20px; font-weight: 400; line-height: 1.4; margin: 10px 0 8px; }
.card p { font-size: 14px; color: var(--ink-3); line-height: 1.7; margin: 0; }

/* ---------- section ---------- */
.section { padding: 56px 0; border-bottom: 1px solid var(--rule); }
.section:last-of-type { border-bottom: 0; }
.section h2 {
  font-family: var(--serif); font-weight: 400; font-size: 28px;
  margin: 0 0 8px; letter-spacing: -.005em;
}
.section .sub { color: var(--ink-3); font-size: 15px; margin: 0 0 28px; }

/* ---------- article ---------- */
.article { padding: 48px 0 24px; }
.article h1 {
  font-family: var(--serif); font-weight: 400;
  font-size: 38px; line-height: 1.32; letter-spacing: -.01em;
  margin: 0 0 18px;
}
.article .byline {
  font-size: 13.5px; color: var(--ink-3);
  padding-bottom: 24px; border-bottom: 1px solid var(--rule); margin-bottom: 32px;
}
.article h2 {
  font-family: var(--serif); font-weight: 400; font-size: 27px;
  margin: 52px 0 14px; line-height: 1.35;
}
.article h3 {
  font-family: var(--sans); font-weight: 650; font-size: 18.5px;
  margin: 34px 0 10px; line-height: 1.45;
}
.article p { margin: 0 0 20px; }
.article ul, .article ol { margin: 0 0 22px; padding-left: 22px; }
.article li { margin-bottom: 9px; }
.article strong { font-weight: 650; }

.article table {
  width: 100%; border-collapse: collapse; margin: 26px 0 30px;
  font-size: 14.5px; line-height: 1.55;
}
.article th {
  text-align: left; font-weight: 650; font-size: 12.5px;
  letter-spacing: .06em; text-transform: uppercase; color: var(--ink-3);
  border-bottom: 1.5px solid var(--ink); padding: 10px 12px 10px 0;
  vertical-align: bottom;
}
.article td { border-bottom: 1px solid var(--rule); padding: 12px 12px 12px 0; vertical-align: top; }
.article td:first-child { font-weight: 600; white-space: nowrap; }

.note {
  background: var(--paper-2); border-left: 3px solid var(--accent);
  padding: 18px 22px; margin: 28px 0; font-size: 15px; color: var(--ink-2);
}
.note strong { color: var(--ink); }
.note.warn { border-left-color: var(--warn); }

.disclosure {
  background: var(--paper-3); border-radius: 3px;
  padding: 16px 20px; font-size: 13.5px; color: var(--ink-2);
  margin: 0 0 34px; line-height: 1.65;
}

.pick {
  border: 1px solid var(--rule); border-top: 3px solid var(--accent);
  padding: 24px 26px; margin: 30px 0; background: var(--paper);
}
.pick .label { font-size: 11.5px; letter-spacing: .14em; text-transform: uppercase; color: var(--accent); font-weight: 700; }
.pick h3 { margin: 8px 0 10px; font-size: 21px; font-family: var(--serif); font-weight: 400; }
.pick p { margin: 0 0 12px; font-size: 15.5px; }
.pick .cta {
  display: inline-block; font-size: 14px; font-weight: 600;
  border-bottom: 1.5px solid currentColor; padding-bottom: 1px;
}

.verdict {
  background: var(--accent-soft); padding: 26px 28px; margin: 34px 0; border-radius: 3px;
}
.verdict h3 { margin-top: 0; }
.verdict p:last-child { margin-bottom: 0; }

.toc {
  background: var(--paper-2); padding: 22px 26px; margin: 0 0 34px;
  font-size: 14.5px; border-radius: 3px;
}
.toc .t { font-size: 11.5px; letter-spacing: .14em; text-transform: uppercase; color: var(--ink-3); margin-bottom: 10px; }
.toc ol { margin: 0; padding-left: 20px; }
.toc li { margin-bottom: 6px; }

.faq { border-top: 1px solid var(--rule); }
.faq details { border-bottom: 1px solid var(--rule); padding: 16px 0; }
.faq summary { cursor: pointer; font-weight: 600; font-size: 16.5px; list-style: none; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::before { content: "+"; color: var(--accent); margin-right: 10px; font-weight: 400; }
.faq details[open] summary::before { content: "–"; }
.faq p { margin: 12px 0 0; font-size: 15.5px; color: var(--ink-2); }

/* ---------- footer ---------- */
.site-foot { border-top: 1px solid var(--rule); background: var(--paper-2); padding: 46px 0 40px; margin-top: 40px; }
.site-foot .cols { display: grid; grid-template-columns: 1.6fr 1fr 1fr; gap: 40px; }
.site-foot h4 { font-size: 12px; letter-spacing: .14em; text-transform: uppercase; color: var(--ink-3); margin: 0 0 14px; font-weight: 600; }
.site-foot p { font-size: 14px; color: var(--ink-3); margin: 0 0 12px; line-height: 1.7; }
.site-foot ul { list-style: none; margin: 0; padding: 0; font-size: 14px; }
.site-foot li { margin-bottom: 9px; }
.site-foot a { color: var(--ink-2); }
.site-foot .legal {
  margin-top: 36px; padding-top: 22px; border-top: 1px solid var(--rule);
  font-size: 12.5px; color: var(--ink-3); line-height: 1.7;
}

@media (max-width: 860px) {
  .grid-3 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .site-foot .cols { grid-template-columns: 1fr; gap: 28px; }
  .hero h1 { font-size: 31px; }
  .article h1 { font-size: 29px; }
  .article h2 { font-size: 23px; }
  .nav { display: none; }
  body { font-size: 16.5px; }
  .article table { font-size: 13.5px; }
  .article td:first-child { white-space: normal; }
}

.cta-link {
  display: inline-block;
  font-size: 14.5px; font-weight: 600;
  border-bottom: 1.5px solid currentColor;
  padding-bottom: 1px;
  margin-bottom: 4px;
}