:root{--ink:#0d1d2d;--muted:#5c6670;--paper:#f8f5ef;--panel:#fffdf9;--line:#d8d1c5;--copper:#b7642d;--copper2:#d08a45;--navy:#081828;--navy2:#10283b;--max:1260px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,Arial,Helvetica,sans-serif;line-height:1.62}a{color:inherit;text-decoration:none}a:focus-visible,button:focus-visible,select:focus-visible{outline:3px solid #d08a45;outline-offset:3px}img{max-width:100%;height:auto}p{margin:0 0 1.05rem}.site-header{background:var(--navy);color:#f8f5ef;position:relative;z-index:10}.header-inner{max-width:var(--max);margin:auto;padding:14px 28px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand-logo{display:flex;align-items:center;min-width:190px}.brand-logo img{width:190px;display:block}.main-nav{display:flex;align-items:center;gap:19px;flex-wrap:wrap}.main-nav a{font-size:12px;color:#dce5ec;white-space:nowrap}.main-nav a:hover{color:#fff}.menu-btn{display:none;background:transparent;border:1px solid #506275;color:white;padding:9px 12px}.subbar{border-top:1px solid #22384a;background:#0c2031;color:#afbec9}.subbar-inner{max-width:var(--max);margin:auto;padding:9px 28px;display:flex;justify-content:space-between;gap:20px;font-size:11px;letter-spacing:.12em;text-transform:uppercase}.hero,.index-section,.method-note,.tool-index,.legal-page{max-width:var(--max);margin:auto;padding-left:28px;padding-right:28px}.hero{padding-top:82px;padding-bottom:62px;display:grid;grid-template-columns:1.45fr .65fr;gap:68px;border-bottom:1px solid var(--line)}.hero.compact{display:block;padding-bottom:52px}.hero h1,.report-head h1,.legal-page h1{font-family:Georgia,'Times New Roman',serif;font-weight:500;letter-spacing:-.04em;line-height:.98;font-size:clamp(48px,7vw,92px);max-width:1000px;margin:14px 0 26px}.hero p,.report-head>p,.legal-page .lead{font-size:19px;max-width:820px;color:#45505a}.kicker,.eyebrow{font-size:11px;letter-spacing:.17em;font-weight:800;color:#985426;text-transform:uppercase}.hero-meta{align-self:end;border-top:1px solid var(--ink);padding-top:17px;display:grid;gap:10px}.hero-meta span{font-size:10px;letter-spacing:.16em;color:var(--muted)}.hero-meta strong{font-family:Georgia,serif;font-weight:500;font-size:20px}.filter-strip{max-width:var(--max);margin:auto;padding:20px 28px;display:flex;align-items:center;gap:9px;flex-wrap:wrap;border-bottom:1px solid var(--line)}.filter-strip span{font-size:12px;color:var(--muted);margin-right:6px}.filter-strip a{border:1px solid var(--line);background:var(--panel);padding:8px 12px;font-size:12px}.index-section,.method-note,.tool-index,.legal-page{padding-top:58px;padding-bottom:58px;border-bottom:1px solid var(--line)}.section-head{display:flex;align-items:end;justify-content:space-between;gap:36px;margin-bottom:26px}.section-head h2,.tools-cta h2,.method-note h2,.calculator h2,.report section h2,.tool-card h2,.legal-grid h2,.related h2{font-family:Georgia,'Times New Roman',serif;font-weight:500;letter-spacing:-.025em;font-size:clamp(30px,4vw,52px);line-height:1.05;margin:9px 0}.section-head p{max-width:430px;color:var(--muted)}.card-grid{display:grid;grid-template-columns:repeat(3,1fr);border-left:1px solid var(--line);border-top:1px solid var(--line)}.cost-card{background:rgba(255,253,249,.7);min-height:255px;padding:23px;display:flex;flex-direction:column;border-right:1px solid var(--line);border-bottom:1px solid var(--line);transition:.18s}.cost-card:hover{background:#fff;transform:translateY(-2px)}.cost-card h3{font-family:Georgia,serif;font-size:24px;font-weight:500;line-height:1.08;margin:10px 0 12px}.cost-card p{font-size:14px;color:var(--muted)}.range{margin-top:auto;padding-top:16px;border-top:1px solid var(--line);display:flex;flex-direction:column;gap:3px}.range span{font-size:10px;text-transform:uppercase;letter-spacing:.12em;color:var(--muted)}.range strong{font-size:16px}.tools-cta{background:var(--navy);color:#f6f2ea;padding:58px max(28px,calc((100vw - var(--max))/2 + 28px))}.tools-cta p{color:#c5d0d8;max-width:720px}.arrow-link{display:inline-block;margin-top:13px;border-bottom:1px solid currentColor;padding-bottom:2px}.footer{background:#061420;color:#dce5eb;padding:48px max(28px,calc((100vw - var(--max))/2 + 28px));display:grid;grid-template-columns:1.2fr 1fr;gap:34px}.footer-logo{width:230px;margin-bottom:13px}.footer p{max-width:560px;color:#9cabb5;font-size:14px}.footer nav{display:flex;gap:15px;flex-wrap:wrap;align-content:start;justify-content:flex-end;font-size:13px}.footer nav a:hover{color:white}.copyright{grid-column:1/-1;border-top:1px solid #243441;padding-top:18px;font-size:12px;color:#8fa0aa}.report{max-width:1080px;margin:auto;padding:68px 28px}.report-head{padding-bottom:30px}.report-head h1{font-size:clamp(48px,7vw,82px)}.byline{font-size:12px;color:var(--muted);margin-top:21px}.report-visual{height:350px;background:linear-gradient(135deg,#071927,#183348);color:#f8f5ef;padding:32px;margin:18px 0 28px;position:relative;overflow:hidden}.visual-label{font-size:11px;letter-spacing:.18em}.visual-title{font-family:Georgia,serif;font-size:52px;max-width:650px;margin-top:105px;line-height:1}.visual-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.055) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.055) 1px,transparent 1px);background-size:48px 48px;mask-image:linear-gradient(90deg,transparent,#000)}.toc{display:flex;gap:13px;align-items:center;flex-wrap:wrap;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:14px 0;font-size:12px}.toc strong{margin-right:6px}.toc a{color:var(--muted)}.report section{padding:48px 0;border-bottom:1px solid var(--line)}.short-answer>p{font-size:19px;max-width:875px}.stats{display:grid;grid-template-columns:repeat(3,1fr);margin:26px 0;border:1px solid var(--line)}.stats>div{padding:19px;border-right:1px solid var(--line)}.stats>div:last-child{border-right:0}.stats span{display:block;font-size:10px;letter-spacing:.1em;color:var(--muted);text-transform:uppercase}.stats strong{display:block;margin-top:5px;font-size:19px}table{width:100%;border-collapse:collapse;margin:22px 0;background:var(--panel)}th,td{text-align:left;padding:13px;border-bottom:1px solid var(--line);font-size:14px}th{font-size:11px;letter-spacing:.12em;text-transform:uppercase}.ledger-note{border-left:3px solid var(--copper);padding:17px 20px;background:#efe8dc}.ledger-note span{font-size:10px;letter-spacing:.16em;font-weight:bold}.calculator{background:#0b2131!important;color:#f7f4ed;padding:32px!important}.calculator p{color:#c5d0d8}.calc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:13px;margin:22px 0}.calc-grid label{font-size:12px}.calc-grid select{width:100%;margin-top:7px;padding:11px;background:#f8f5ef;border:0}.estimate{border-top:1px solid #496071;padding-top:20px;display:grid;gap:5px}.estimate strong{font-size:31px;font-family:Georgia,serif;font-weight:500}.estimate small{color:#aebbc4}.number-list article{display:grid;grid-template-columns:65px 1fr;border-top:1px solid var(--line);padding:20px 0}.number-list article>span{font-size:12px;color:var(--copper)}.number-list h3{margin:0 0 5px;font-family:Georgia,serif;font-size:23px;font-weight:500}.number-list p{color:var(--muted)}.scenario-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:13px}.scenario{border:1px solid var(--line);padding:21px;background:var(--panel)}.scenario h3{font-family:Georgia,serif;font-size:22px;font-weight:500}.scenario strong{font-size:17px}.quote-grid{display:grid;grid-template-columns:repeat(3,1fr);border-left:1px solid var(--line);border-top:1px solid var(--line)}.quote-grid div{padding:17px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}.quote-grid strong,.quote-grid span{display:block}.quote-grid span{font-size:13px;color:var(--muted);margin-top:4px}.faq details{border-top:1px solid var(--line);padding:15px 0}.faq summary{font-weight:700;cursor:pointer}.faq details p{padding-top:9px;color:var(--muted)}.related-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}.related-grid a{border:1px solid var(--line);background:var(--panel);padding:17px;font-family:Georgia,serif;font-size:17px}.tool-index{display:grid;grid-template-columns:repeat(2,1fr);gap:15px}.tool-card{background:var(--panel);border:1px solid var(--line);padding:26px}.tool-card p{color:var(--muted)}.tool-card a{font-weight:bold}.legal-page{min-height:60vh;max-width:980px}.legal-page h1{font-size:clamp(46px,7vw,78px)}.legal-page h2{font-family:Georgia,serif;font-weight:500;font-size:31px;margin-top:42px;margin-bottom:9px}.legal-page h3{font-family:Georgia,serif;font-size:21px;font-weight:500;margin-top:26px}.legal-page ul{padding-left:20px}.legal-meta{background:#eee8dc;padding:20px;margin:28px 0}.muted{color:var(--muted);font-size:13px;margin-top:36px}.contact-card{background:var(--panel);border:1px solid var(--line);padding:24px;margin:28px 0}.contact-card a{color:#934b23;text-decoration:underline}.consent{position:fixed;z-index:1000;left:18px;right:18px;bottom:18px;max-width:840px;margin:auto;background:#fffdf9;border:1px solid #b9ad9e;box-shadow:0 12px 50px rgba(0,0,0,.18);padding:18px;display:none}.consent.show{display:block}.consent strong{font-family:Georgia,serif;font-size:20px}.consent p{font-size:13px;color:var(--muted);margin:6px 0 12px}.consent-actions{display:flex;gap:8px;flex-wrap:wrap}.consent button{border:1px solid var(--navy);padding:9px 13px;background:var(--navy);color:white;cursor:pointer}.consent button.secondary{background:white;color:var(--navy)}@media(max-width:900px){.main-nav{display:none}.main-nav.open{display:flex;position:absolute;left:0;right:0;top:78px;background:var(--navy);padding:20px 28px;border-top:1px solid #2d4252;flex-direction:column;align-items:flex-start}.menu-btn{display:block}.hero{grid-template-columns:1fr}.hero-meta{display:none}.card-grid{grid-template-columns:repeat(2,1fr)}.scenario-grid,.quote-grid{grid-template-columns:1fr 1fr}.related-grid{grid-template-columns:repeat(2,1fr)}.section-head{align-items:start;flex-direction:column}.footer{grid-template-columns:1fr}.footer nav{justify-content:flex-start}.copyright{grid-column:1}.report-visual{height:270px}.visual-title{margin-top:75px}}@media(max-width:620px){.header-inner,.subbar-inner,.hero,.index-section,.method-note,.tool-index,.legal-page{padding-left:18px;padding-right:18px}.brand-logo img{width:160px}.hero{padding-top:48px}.hero h1,.report-head h1,.legal-page h1{font-size:46px}.card-grid,.stats,.calc-grid,.scenario-grid,.quote-grid,.tool-index,.related-grid{grid-template-columns:1fr}.stats>div{border-right:0;border-bottom:1px solid var(--line)}.stats>div:last-child{border-bottom:0}.report{padding:44px 18px}.report-visual{height:210px;padding:20px}.visual-title{font-size:34px;margin-top:48px}.footer{padding-left:18px;padding-right:18px}.subbar-inner{font-size:9px}.consent{left:10px;right:10px;bottom:10px}}

/* Internal linking / methodology additions */
.internal-links{margin-top:34px}.internal-link-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 24px;padding-left:20px}.internal-link-list a{font-weight:700;text-decoration:underline;text-underline-offset:3px}@media(max-width:700px){.internal-link-list{grid-template-columns:1fr}}


.page-banner{max-width:var(--max);margin:0 auto 40px;padding:0 28px}.page-banner img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:22px;box-shadow:0 18px 45px rgba(7,25,39,.18)}.report-visual{isolation:isolate}.report-visual::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,25,39,.78) 0%,rgba(7,25,39,.58) 38%,rgba(7,25,39,.18) 100%);z-index:1}.report-visual .visual-label,.report-visual .visual-title,.report-visual .visual-grid{position:relative;z-index:2}.visual-photo{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0}.visual-grid{z-index:2;opacity:.45}.report-visual .visual-title{text-shadow:0 2px 12px rgba(0,0,0,.22)}@media (max-width:820px){.report-visual{height:280px}.report-visual .visual-title{font-size:38px;margin-top:118px}.page-banner{margin-bottom:28px;padding:0 18px}}

.section-visual{margin:0 0 28px}.section-visual img{display:block;width:100%;max-height:300px;object-fit:cover;border-radius:18px}.home-calculator-visual{max-width:var(--max);margin:38px auto;padding:0 28px}.home-calculator-visual img{max-height:360px}@media(max-width:820px){.section-visual img{max-height:220px}.home-calculator-visual{padding:0 18px}}

.price-chart{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:22px 22px 18px;margin:22px 0}.price-chart .chart-head{display:flex;justify-content:space-between;gap:14px;align-items:end;flex-wrap:wrap;margin-bottom:16px}.price-chart .chart-head p{margin:0;color:var(--muted);font-size:14px;max-width:760px}.chart-axis{display:grid;gap:12px}.chart-row{display:grid;grid-template-columns:148px 1fr 120px;gap:14px;align-items:center}.chart-row span{font-size:13px;font-weight:700;color:var(--ink)}.chart-track{height:14px;background:#edf2f6;border-radius:999px;overflow:hidden;position:relative}.chart-fill{height:100%;border-radius:999px;background:linear-gradient(90deg,#985426,#c98546)}.chart-value{text-align:right;font-size:13px;color:var(--muted);font-weight:700}.chart-scale{display:grid;grid-template-columns:148px 1fr 120px;gap:14px;align-items:center;margin-top:10px}.chart-scale .ticks{display:flex;justify-content:space-between;font-size:11px;color:var(--muted)}.chart-note{margin:16px 0 0;font-size:13px;color:var(--muted)}.compare-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:24px}.compare-card{border:1px solid var(--line);border-radius:16px;padding:18px;background:#fff}.compare-card span{display:block;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:8px}.compare-card strong{display:block;font-size:28px;line-height:1.05;font-family:Georgia,'Times New Roman',serif;margin-bottom:6px}.compare-card p{font-size:14px;color:#45505a;margin:0}.data-table{width:100%;border-collapse:collapse;margin-top:18px;border:1px solid var(--line);font-size:14px}.data-table th,.data-table td{padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}.data-table tr:last-child td{border-bottom:0}.data-table th{background:#f7f9fb;text-align:left;font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}.data-table td strong{color:var(--ink)}@media (max-width:820px){.chart-row,.chart-scale{grid-template-columns:1fr}.chart-value{text-align:left}.compare-grid{grid-template-columns:1fr}.price-chart{padding:18px}.chart-track{height:12px}}


/* ===== HEADER LIGHT REFINEMENT v2 ===== */
.site-header{
  background:#fbfaf7;
  color:#101820;
  border-bottom:1px solid #ddd5c8;
  box-shadow:0 3px 14px rgba(13,29,45,.05);
}
.header-inner{
  max-width:1260px;
  margin:0 auto;
  padding:18px 28px 14px;
  display:flex;
  flex-direction:column;
  align-items:center;
  justify-content:center;
  gap:13px;
  position:relative;
}
.brand-logo{
  min-width:0;
  display:flex;
  justify-content:center;
  align-items:center;
  width:100%;
}
.brand-logo img{
  width:280px;
  max-width:min(70vw,280px);
  height:auto;
  display:block;
  margin:0 auto;
}
.main-nav{
  width:100%;
  display:flex;
  justify-content:center;
  align-items:center;
  gap:7px 24px;
  flex-wrap:wrap;
}
.main-nav a{
  color:#111820;
  font-size:13px;
  line-height:1.2;
  font-weight:650;
  white-space:nowrap;
  padding:7px 2px 8px;
  border-bottom:2px solid transparent;
  transition:color .15s ease,border-color .15s ease;
}
.main-nav a:hover,
.main-nav a:focus-visible{
  color:#9b5428;
  border-bottom-color:#c37842;
}
.subbar{
  border-top:1px solid #e2d9cc;
  background:#f1ece4;
  color:#414950;
}
.subbar-inner{
  max-width:1260px;
  margin:0 auto;
  padding:9px 28px;
  display:flex;
  justify-content:center;
  align-items:center;
  gap:18px;
  font-size:10px;
  letter-spacing:.11em;
  text-transform:uppercase;
  text-align:center;
}
.subbar-inner span+span:before{
  content:"·";
  margin-right:18px;
  color:#b7642d;
}
.menu-btn{
  background:#fff;
  border:1px solid #bcb4a8;
  color:#111820;
  border-radius:7px;
  font-weight:700;
}

@media(max-width:900px){
  .header-inner{
    min-height:76px;
    flex-direction:row;
    justify-content:center;
    padding:12px 70px 12px 18px;
  }
  .brand-logo{width:auto;}
  .brand-logo img{width:220px;max-width:55vw;}
  .menu-btn{
    display:block;
    position:absolute;
    right:18px;
    top:50%;
    transform:translateY(-50%);
    padding:8px 11px;
  }
  .main-nav{display:none;}
  .main-nav.open{
    display:flex;
    position:absolute;
    left:0;
    right:0;
    top:100%;
    z-index:50;
    background:#fffdfa;
    border-top:1px solid #ded6ca;
    border-bottom:1px solid #ded6ca;
    box-shadow:0 12px 30px rgba(13,29,45,.10);
    padding:16px 22px 20px;
    flex-direction:column;
    align-items:center;
    gap:3px;
  }
  .main-nav.open a{
    color:#111820;
    width:100%;
    text-align:center;
    padding:9px 6px;
  }
  .subbar-inner{
    flex-wrap:wrap;
    gap:3px 10px;
    padding:8px 18px;
    line-height:1.45;
  }
  .subbar-inner span+span:before{margin-right:10px;}
}
@media(max-width:620px){
  .header-inner{padding:11px 58px 11px 12px;}
  .brand-logo img{width:185px;max-width:60vw;}
  .menu-btn{right:12px;font-size:12px;}
  .subbar-inner{font-size:8px;letter-spacing:.08em;}
}