:root{
  --navy:#0f2547;--navy-2:#1b3a6b;--red:#d6342c;--red-d:#b5261f;--ink:#1d2433;--muted:#5b6578;
  --bg:#ffffff;--bg-soft:#f4f6fa;--line:#e3e7ee;--ok:#16794c;--warn-bg:#fff6e5;--warn:#8a5a00;
  --info-bg:#eef4ff;--danger-bg:#fdecea;--radius:14px;--shadow:0 6px 24px rgba(15,37,71,.08);
  --maxw:1120px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;overflow-wrap:anywhere;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
img{max-width:100%;height:auto}
a{color:var(--navy-2)}
a:hover{color:var(--red)}
.container{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:100}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.95);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.15rem;color:var(--navy);text-decoration:none;letter-spacing:-.01em}
.logo-mark{width:34px;height:34px;border-radius:9px;background:linear-gradient(135deg,var(--navy) 0 50%,var(--red) 50% 100%);display:grid;place-items:center;color:#fff;font-size:.9rem;font-weight:800}
.menu{display:flex;gap:4px;list-style:none;margin:0;padding:0;align-items:center}
.menu a{display:block;padding:8px 12px;border-radius:8px;text-decoration:none;color:var(--ink);font-weight:500;font-size:.95rem}
.menu a:hover,.menu a[aria-current=page]{background:var(--bg-soft);color:var(--navy)}
.menu .cta{background:var(--red);color:#fff}.menu .cta:hover{background:var(--red-d);color:#fff}
.dropdown{position:relative}
.dropdown-panel{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:8px;min-width:260px}
.dropdown:hover .dropdown-panel,.dropdown:focus-within .dropdown-panel{display:block}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 10px;font-size:1rem;cursor:pointer}
@media (max-width:900px){
  .nav-toggle{display:block}
  .menu{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 20px 20px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);max-height:calc(100vh - 64px);overflow:auto}
  .menu.open{display:flex}
  .dropdown-panel{display:block;position:static;border:0;box-shadow:none;padding:0 0 0 12px}
}
/* hero */
.hero{background:radial-gradient(1200px 400px at 80% -10%,rgba(214,52,44,.18),transparent 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:72px 0 64px}
.hero h1{font-size:clamp(2rem,5vw,3.2rem);line-height:1.12;margin:0 0 16px;letter-spacing:-.02em}
.hero p.lead{font-size:1.15rem;opacity:.92;max-width:640px;margin:0 0 28px}
.hero .actions{display:flex;flex-wrap:wrap;gap:12px}
.badge-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px;font-size:.9rem;opacity:.9}
.badge-row span{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);padding:6px 12px;border-radius:999px}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 22px;border-radius:10px;font-weight:600;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;font-family:inherit}
.btn-primary{background:var(--red);color:#fff}.btn-primary:hover{background:var(--red-d);color:#fff}
.btn-ghost{border-color:rgba(255,255,255,.5);color:#fff}.btn-ghost:hover{background:rgba(255,255,255,.1);color:#fff}
.btn-outline{border-color:var(--navy);color:var(--navy);background:#fff}.btn-outline:hover{background:var(--navy);color:#fff}
/* page head */
.page-head{background:linear-gradient(160deg,var(--navy),var(--navy-2));color:#fff;padding:44px 0 36px}
.page-head h1{margin:6px 0 10px;font-size:clamp(1.8rem,4.2vw,2.6rem);line-height:1.15;letter-spacing:-.02em}
.page-head p{margin:0;opacity:.9;max-width:760px;font-size:1.08rem}
.crumbs{font-size:.85rem;opacity:.8}.crumbs a{color:#fff}
.updated{display:inline-block;margin-top:14px;font-size:.85rem;background:rgba(255,255,255,.12);padding:4px 10px;border-radius:999px}
/* sections */
section{padding:56px 0}
.section-soft{background:var(--bg-soft)}
h2{font-size:clamp(1.45rem,3vw,1.9rem);line-height:1.2;color:var(--navy);margin:0 0 14px;letter-spacing:-.01em}
h3{font-size:1.18rem;color:var(--navy);margin:28px 0 8px}
.kicker{font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--red)}
.grid{display:grid;gap:18px}
.grid-3{grid-template-columns:repeat(auto-fill,minmax(260px,1fr))}
.grid-2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:0 1px 0 rgba(0,0,0,.02);transition:transform .15s,box-shadow .15s;display:flex;flex-direction:column}
a.card{text-decoration:none;color:inherit}
a.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.card .tag{align-self:flex-start;font-size:.75rem;font-weight:700;padding:3px 9px;border-radius:999px;background:var(--info-bg);color:var(--navy-2);margin-bottom:10px}
.card .tag.hot{background:var(--danger-bg);color:var(--red-d)}
.card h3{margin:0 0 6px}
.card p{margin:0;color:var(--muted);font-size:.96rem}
.card .more{margin-top:auto;padding-top:14px;font-weight:600;color:var(--red)}
/* article layout */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:44px;padding-top:44px;padding-bottom:64px}
@media (max-width:960px){.layout{grid-template-columns:minmax(0,1fr);gap:24px}.aside{order:-1}}
.prose{max-width:760px}
.prose p,.prose li{color:#2b3345}
.prose ul,.prose ol{padding-left:22px}
.prose li{margin:6px 0}
.prose h2{margin-top:44px;scroll-margin-top:84px}
.prose h2:first-child{margin-top:0}
.aside .box{position:sticky;top:84px;background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);padding:18px}
.aside h4{margin:0 0 8px;font-size:.85rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
.aside ol{margin:0;padding-left:18px;font-size:.93rem}
.aside li{margin:5px 0}
.aside a{text-decoration:none}
.aside .btn{width:100%;justify-content:center;margin-top:14px}
@media (max-width:960px){.aside .box{position:static}}
/* callouts */
.callout{border-radius:12px;padding:16px 18px;margin:20px 0;border-left:5px solid;font-size:.97rem}
.callout strong:first-child{display:block;margin-bottom:4px}
.callout.info{background:var(--info-bg);border-color:var(--navy-2)}
.callout.warn{background:var(--warn-bg);border-color:#e0a000;color:#4a3500}
.callout.danger{background:var(--danger-bg);border-color:var(--red)}
.callout.ok{background:#e9f7ef;border-color:var(--ok)}
.callout p{margin:6px 0}
/* tables */
.table-wrap{overflow-x:auto;margin:18px 0;border:1px solid var(--line);border-radius:12px}
table{border-collapse:collapse;width:100%;font-size:.95rem;min-width:520px}
th,td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--bg-soft);color:var(--navy);font-weight:700}
tr:last-child td{border-bottom:0}
/* steps */
.steps{counter-reset:s;list-style:none;padding:0!important}
.steps li{counter-increment:s;position:relative;padding:4px 0 14px 48px;margin:0!important}
.steps li::before{content:counter(s);position:absolute;left:0;top:2px;width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700;font-size:.9rem}
.check{list-style:none;padding:0!important}
.check li{padding-left:30px;position:relative}
.check li::before{content:"✓";position:absolute;left:4px;color:var(--ok);font-weight:800}
.tabs-list{display:grid;gap:8px;margin:16px 0}
.tabs-list div{display:grid;grid-template-columns:64px 1fr;gap:12px;background:var(--bg-soft);border-radius:10px;padding:10px 14px;font-size:.95rem}
.tabs-list b{color:var(--navy)}
/* sources */
.sources{background:var(--bg-soft);border-radius:var(--radius);padding:20px 22px;margin-top:44px;font-size:.93rem}
.sources h2{font-size:1.15rem;margin:0 0 8px}
.sources ul{margin:0;padding-left:20px}
.sources li{margin:6px 0;word-break:break-word}
/* quiz */
.quiz{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:28px;max-width:760px;margin:0 auto}
.quiz-progress{height:6px;background:var(--bg-soft);border-radius:99px;overflow:hidden;margin-bottom:20px}
.quiz-progress span{display:block;height:100%;background:linear-gradient(90deg,var(--navy-2),var(--red));width:0;transition:width .3s}
.quiz h3{margin:0 0 16px;font-size:1.3rem}
.options{display:grid;gap:10px}
.options button{text-align:left;padding:14px 16px;border:1.5px solid var(--line);border-radius:12px;background:#fff;font:inherit;cursor:pointer;display:flex;gap:12px;align-items:center;transition:border-color .15s,background .15s}
.options button:hover,.options button:focus-visible{border-color:var(--navy-2);background:var(--info-bg);outline:none}
.options .ico{font-size:1.35rem;width:28px;text-align:center}
.quiz-foot{display:flex;justify-content:space-between;align-items:center;margin-top:18px;font-size:.9rem;color:var(--muted)}
.linkbtn{background:none;border:0;color:var(--navy-2);font:inherit;cursor:pointer;text-decoration:underline;padding:0}
.result h3{color:var(--red)}
.result .rec{border:1px solid var(--line);border-radius:12px;padding:14px 16px;margin:10px 0}
.result .rec a{font-weight:700}
/* faq */
details{border:1px solid var(--line);border-radius:12px;padding:0 18px;margin:10px 0;background:#fff}
details[open]{box-shadow:var(--shadow)}
summary{cursor:pointer;padding:16px 0;font-weight:600;color:var(--navy);list-style:none;position:relative;padding-right:28px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:0;top:12px;font-size:1.4rem;color:var(--red)}
details[open] summary::after{content:"–"}
details>div{padding:0 0 16px;color:#2b3345}
/* forms */
form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:640px){form .row{grid-template-columns:1fr}}
label{display:block;font-weight:600;font-size:.93rem;margin:14px 0 6px;color:var(--navy)}
input,select,textarea{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;font:inherit;background:#fff}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--navy-2);box-shadow:0 0 0 3px rgba(27,58,107,.12)}
.consent{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:.9rem;color:var(--muted)}
.consent input{width:auto;margin-top:4px}
.form-msg{display:none;margin-top:16px}
/* stat */
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:14px;margin:20px 0}
.stat{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px}
.stat b{display:block;font-size:1.6rem;color:var(--navy);line-height:1.1}
.stat span{font-size:.85rem;color:var(--muted)}
/* footer */
.disclaimer-bar{background:var(--warn-bg);border-top:1px solid #f0dcb0;color:#4a3500;font-size:.9rem;padding:14px 0}
.site-footer{background:var(--navy);color:#cfd8e8;padding:44px 0 28px;font-size:.93rem}
.site-footer a{color:#fff;text-decoration:none}.site-footer a:hover{text-decoration:underline}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:28px}
@media (max-width:800px){.footer-grid{grid-template-columns:1fr 1fr}}
.site-footer h4{color:#fff;margin:0 0 10px;font-size:.95rem}
.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:6px 0}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:28px;padding-top:18px;font-size:.82rem;opacity:.8}
.center{text-align:center}.mt0{margin-top:0}.muted{color:var(--muted)}

/* paid guides */
.guide-products{display:grid;gap:36px}
.guide-product{display:grid;grid-template-columns:220px 1fr;gap:32px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 1px 0 rgba(0,0,0,.02)}
@media (max-width:720px){.guide-product{grid-template-columns:1fr;gap:18px;padding:20px}}
.guide-cover{border-radius:10px;overflow:hidden;border:1px solid var(--line);background:var(--bg-soft);box-shadow:var(--shadow)}
.guide-cover img{display:block;width:100%;height:auto}
.guide-body h2{margin:8px 0 10px;font-size:clamp(1.25rem,2.5vw,1.55rem)}
.guide-body .tag{display:inline-block;font-size:.75rem;font-weight:700;padding:3px 9px;border-radius:999px;background:var(--info-bg);color:var(--navy-2);margin-bottom:4px}
.guide-body .tag.hot{background:var(--danger-bg);color:var(--red-d)}
.guide-price{font-size:1.15rem;margin:0 0 12px}
.guide-price strong{color:var(--navy);font-size:1.45rem}
.guide-actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin-top:20px}
.guide-promo p{margin:6px 0}
.guide-teaser .teaser-actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin-top:16px}
.guide-teaser .more{margin-top:0;padding-top:0}
a.gumroad-button,a.gumroad-button:visited{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:13px 22px;border-radius:10px;font-weight:600;font-size:1rem;font-family:inherit;
  text-decoration:none;border:2px solid transparent;cursor:pointer;
  background:var(--red)!important;color:#fff!important;
  box-shadow:none!important;
}
a.gumroad-button:hover,a.gumroad-button:focus-visible{background:var(--red-d)!important;color:#fff!important}
.aside a.gumroad-button{width:100%;justify-content:center;margin-top:12px;padding:11px 16px;font-size:.95rem}