:root{--ink:#16232f;--navy:#0f2436;--navy2:#16324a;--gold:#e8b64c;--cta:#17a35a;--cta2:#0f8a49;--bg:#eef2f6;--card:#fff;--bd:#e2e9f0;--mut:#5d6b7a}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;font-size:16px;line-height:1.65;color:var(--ink);background:var(--bg)}
a{color:#155e9c;text-decoration:none}a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
h1,h2,h3{font-family:"Playfair Display",Georgia,serif;line-height:1.18;color:var(--navy)}
.wrap{max-width:1180px;margin:0 auto;padding:0 18px}
/* masthead */
.masthead{background:var(--navy);position:sticky;top:0;z-index:40;box-shadow:0 1px 0 rgba(255,255,255,.06)}
.masthead .wrap{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:64px}
.brand{display:flex;align-items:center;gap:9px;font-weight:800;font-size:1.2rem;color:#fff}
.brand:hover{text-decoration:none}
.brand-k{display:inline-grid;place-items:center;width:34px;height:34px;background:var(--gold);color:var(--navy);border-radius:8px;font-weight:900;font-family:"Barlow Condensed",sans-serif}
.brand-word{font-family:Inter;font-weight:800;letter-spacing:-.02em}.brand-tld{color:var(--gold)}
.hamburger{display:none;background:none;border:0;color:#fff;font-size:1.5rem;cursor:pointer}
.nav{display:flex;gap:4px}
.navitem{position:relative}
.navitem>a{display:block;padding:20px 12px;color:#dbe6f1;font-weight:600;font-size:.94rem;font-family:"Barlow Condensed",sans-serif;letter-spacing:.02em;text-transform:uppercase}
.navitem>a:hover{color:#fff;text-decoration:none}
.caret{font-size:.7rem;margin-left:3px;color:var(--gold)}
.submenu{position:absolute;top:100%;left:0;min-width:230px;background:#fff;border:1px solid var(--bd);border-radius:0 0 10px 10px;box-shadow:0 12px 30px rgba(0,0,0,.14);padding:6px;opacity:0;visibility:hidden;transform:translateY(6px);transition:.15s;z-index:50}
.navitem.has-sub:hover .submenu,.navitem.has-sub:focus-within .submenu{opacity:1;visibility:visible;transform:none}
.submenu a{display:block;padding:9px 12px;color:var(--ink);font-size:.92rem;border-radius:6px}
.submenu a:hover{background:var(--bg);text-decoration:none}
/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 100%);color:#eaf1f8;padding:34px 0 30px}
.hero h1{color:#fff;font-size:2.15rem;font-weight:800;margin:0 0 .35em}
.hero .accent{color:var(--gold)}
.hero .lede{font-size:1.1rem;color:#c4d3e2;max-width:820px;margin:0 0 18px}
.byline{display:flex;flex-wrap:wrap;gap:14px 24px;align-items:center}
.who{display:flex;gap:10px;align-items:center}
.avatar{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--gold);color:var(--navy);font-weight:800;font-family:"Barlow Condensed",sans-serif;font-size:1.05rem}
img.avatar{object-fit:cover;border:2px solid var(--gold);background:none}
.author-head{display:flex;align-items:center;gap:14px;margin-bottom:8px}
.author-photo{width:96px;height:96px;border-radius:50%;object-fit:cover;border:3px solid var(--gold);flex:none}
.author-head h2{margin:0}
.author .role{margin:.15em 0 0;color:var(--cta);font-weight:600;font-size:.92rem}
.who b a{color:#fff}.who span{display:block;color:#9fb4c8;font-size:.84rem}
.meta-chips{display:flex;gap:8px;flex-wrap:wrap}
.meta-chips .chip{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);color:#dbe6f1;border-radius:20px;padding:4px 11px;font-size:.78rem}
.meta-chips .chip b{color:#fff}
.ridge{height:5px;background:linear-gradient(90deg,var(--gold),#c8992f)}
/* layout */
#main{background:var(--bg)}
#main>section{padding:34px 0}
#main>section>*{max-width:1080px;margin-left:auto;margin-right:auto;padding-left:18px;padding-right:18px}
#main>section>.wrap{max-width:1180px}
#main>section.band{background:#fff;border-top:1px solid var(--bd);border-bottom:1px solid var(--bd)}
.narrow{max-width:820px}
h2{font-size:1.7rem;margin:0 0 .3em}
h2 .kick{display:block;font-family:"Barlow Condensed",sans-serif;text-transform:uppercase;letter-spacing:.08em;color:var(--cta);font-size:.85rem;font-weight:700}
h3{font-size:1.2rem;margin:1.1em 0 .35em}
.lead-rule{border:0;border-top:3px solid var(--gold);width:64px;margin:.5em 0 1.1em}
p{margin:.7em 0}
/* facts */
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:0 auto 20px;padding:0}
.fact{background:#fff;border:1px solid var(--bd);border-radius:10px;padding:12px;text-align:center}
.fact .n{font-family:"Barlow Condensed",sans-serif;font-weight:700;font-size:1.5rem;color:var(--navy)}
.fact .l{font-size:.78rem;color:var(--mut)}
/* toplist cards */
.toplist{margin:6px auto 10px}
.toplist-desktop{display:block}.toplist-mobile{display:none}
.ccard{background:#fff;border:1px solid var(--bd);border-radius:14px;margin:12px 0;box-shadow:0 1px 3px rgba(15,36,54,.05)}
.toplist-desktop .ccard{display:grid;grid-template-columns:58px 150px 1fr 220px 190px;align-items:center;gap:14px;padding:16px}
.ccard.top1{border:2px solid var(--gold);box-shadow:0 6px 22px rgba(232,182,76,.22)}
.crest-wrap{text-align:center}
.ribbon{display:block;background:var(--gold);color:var(--navy);font-family:"Barlow Condensed",sans-serif;font-weight:700;font-size:.62rem;text-transform:uppercase;border-radius:5px;padding:2px 4px;margin-bottom:4px}
.crest{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff}
.crest span{font-family:"Barlow Condensed",sans-serif;font-weight:700;font-size:1.25rem}
.clogo .chip{display:grid;place-items:center;background:#f4f7fa;border:1px solid var(--bd);border-radius:10px;padding:10px;min-height:64px}
.clogo .chip:hover{text-decoration:none}
.clogo img{max-height:46px;max-width:120px;width:auto;object-fit:contain}
.op-logo-text{font-weight:800;color:var(--navy)}
.cname{font-family:"Playfair Display",serif;font-weight:700;font-size:1.15rem;margin:0}
.crate{margin:.1em 0;font-size:.9rem;color:var(--mut)}
.stars{color:var(--gold);letter-spacing:1px}
.ctag{display:inline-block;background:#eef4fb;color:#155e9c;border-radius:6px;padding:2px 8px;font-size:.78rem;font-weight:600;margin:.2em 0}
.cpills{display:flex;gap:6px;flex-wrap:wrap;margin-top:6px}
.pill{background:#eef2f6;border:1px solid var(--bd);border-radius:20px;padding:2px 9px;font-size:.72rem;color:#42566a}
.cnote{display:block;color:#8a2b28;font-size:.78rem;margin-top:4px}
.cbonus{text-align:center;border-left:1px solid var(--bd);border-right:1px solid var(--bd);padding:0 14px}
.cbonus .lbl{font-size:.7rem;text-transform:uppercase;letter-spacing:.05em;color:var(--mut)}
.cbonus .amt{font-weight:800;color:var(--navy);font-size:1.02rem;line-height:1.25;margin:2px 0}
.cbonus .spd{font-size:.8rem;color:var(--mut)}
.cact{text-align:center}
.banner-cta{display:inline-block;background:var(--cta);color:#fff;font-weight:800;padding:12px 22px;border-radius:9px;white-space:nowrap;border:0;cursor:pointer;box-shadow:0 3px 0 var(--cta2);font-size:1rem}
.banner-cta:hover{background:#1bb866;text-decoration:none;color:#fff}
.claimline{font-size:.72rem;color:var(--mut);margin-top:6px}
.wm{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin:8px 0}
.wm div{background:#f4f7fa;border:1px solid var(--bd);border-radius:8px;padding:6px 8px;font-size:.8rem}
.wm span{display:block;color:var(--mut);font-size:.7rem}.wm b{color:var(--navy)}
.cdesc{font-size:.9rem;color:#3a4a5a}
/* mobile cards */
.toplist-mobile .ccard{padding:18px 16px;position:relative;text-align:center}
.toplist-mobile .rank{position:absolute;top:12px;right:14px;font-family:"Barlow Condensed",sans-serif;font-weight:700;color:#c3ccd6;font-size:1.6rem}
.toplist-mobile .clogo .chip{max-width:190px;margin:0 auto 10px}
.toplist-mobile .cpills{justify-content:center}
.toplist-mobile .cbonus{border-left:0;border-right:0;border-top:1px solid var(--bd);padding:12px 0 0;margin-top:10px}
.toplist-mobile .wm div{text-align:center}
.toplist-mobile .cdesc{text-align:center}
.toplist-mobile .cact{margin-top:6px}
/* boxes */
.box{border-radius:12px;padding:14px 16px;margin:16px 0}
.box h3{margin:0 0 .3em;font-size:1.05rem}
.box.warn{background:#fdf3f2;border:1px solid #f2c7c2}.box.warn h3{color:#a5342c}
.box.info{background:#eef4fb;border:1px solid #cfe0f2}.box.info h3{color:#155e9c}
.disclosure{background:#fff8ea;border:1px solid #f0dca2;border-radius:10px;padding:11px 14px;font-size:.84rem;color:#5a4a20;margin:14px 0}
.ad{background:var(--navy);color:#fff;border-radius:4px;padding:1px 6px;font-size:.7rem;font-weight:700;margin-right:4px}
.callout{background:#eef4fb;border-left:3px solid #155e9c;padding:10px 14px;border-radius:6px}
/* hero-pick */
.hero-pick{background:var(--navy);color:#eaf0f7;border-radius:14px;padding:22px}
.hero-pick h2{color:#fff}.hero-pick .kick{color:var(--gold)}.hero-pick .lead-rule{border-color:var(--gold)}
.hero-pick .banner-cta{margin-top:10px}
/* reviews */
.review-card{background:#fff;border:1px solid var(--bd);border-radius:14px;padding:20px;margin:16px auto}
.rev-head{display:flex;gap:16px;align-items:center;flex-wrap:wrap}
.rev-head img{max-height:56px;max-width:150px;width:auto}
.rev-head h3{margin:.1em 0}
.rev-rating{font-size:.85rem;color:#c8992f;font-weight:700}
.best-for{color:var(--mut);font-size:.9rem;margin:.1em 0}
.review-card .facts{display:block;columns:2;font-size:.9rem;padding-left:18px;margin:.6em 0;list-style:disc}
.review-card .facts li{margin:.15em 0;break-inside:avoid}
.op-note{background:#fdf3f2;border-left:3px solid #d9534f;padding:6px 10px;font-size:.85rem;color:#8a2b28;border-radius:4px;margin:.4em 0}
/* data table */
table.cmp,table.data{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--bd);border-radius:10px;overflow:hidden;font-size:.92rem;margin:10px 0}
table.cmp th,table.data th{background:var(--navy);color:#fff;text-align:left;padding:10px;font-size:.82rem}
table.cmp td,table.data td{padding:10px;border-top:1px solid #eef2f6}
table.cmp tbody tr:nth-child(even){background:#fafbfd}
.tablewrap{overflow-x:auto}
/* verticals */
.vgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:6px}
.vtile{background:#fff;border:1px solid var(--bd);border-radius:12px;padding:18px}
.vtile .ico{font-size:1.6rem}.vtile h3{margin:.3em 0}.vtile p{color:#3a4a5a;font-size:.92rem}
.vtile .more{font-weight:700;color:#155e9c}
.state-links{display:flex;gap:10px;flex-wrap:wrap}
.state-links a{background:#fff;border:1px solid var(--bd);border-radius:8px;padding:8px 14px;font-weight:600}
.related-links a{font-weight:600}
/* faq */
.faq details{background:#fff;border:1px solid var(--bd);border-radius:10px;margin:8px 0;padding:2px 14px}
.faq summary{font-weight:700;cursor:pointer;padding:12px 0;font-family:Inter;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary:before{content:"+";float:right;color:var(--cta);font-weight:800}
.faq details[open] summary:before{content:"–"}
.faq .ans{padding-bottom:12px;color:#3a4a5a}
/* forms / author */
.contact-form{display:grid;gap:12px;max-width:520px}
.contact-form label{display:grid;gap:4px;font-weight:600;font-size:.9rem}
.contact-form input,.contact-form textarea{padding:9px;border:1px solid #cdd7e2;border-radius:6px;font:inherit}
.author{background:#fff;border:1px solid var(--bd);border-radius:10px;padding:16px;margin:12px 0}
/* footer */
.site{background:var(--navy);color:#c1d0de;padding:36px 0 26px;font-size:.92rem}
.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:24px}
.site h4{color:#fff;margin:0 0 10px;font-family:Inter;font-size:1rem}
.site a{display:block;color:#9fb4c8;padding:2px 0}.site a:hover{color:#fff}
.brand.foot{margin-bottom:8px}.brand.foot .brand-word{color:#fff}
.foot-about{color:#8ea3b8;font-size:.88rem}
.rgline{display:flex;flex-wrap:wrap;gap:10px;align-items:center;border-top:1px solid #22384e;margin-top:22px;padding-top:16px;font-size:.85rem}
.rgline .b21{background:var(--gold);color:var(--navy);font-weight:800;border-radius:5px;padding:2px 7px}
.rgline a{display:inline;color:var(--gold)}.rgline .sep{color:#3a5169}
.disc{border-top:1px solid #22384e;margin-top:16px;padding-top:14px;font-size:.78rem;color:#7f95aa}
/* cookie */
#cookie-consent{position:fixed;left:16px;bottom:16px;max-width:380px;background:#fff;border:1px solid var(--bd);border-radius:14px;box-shadow:0 14px 40px rgba(0,0,0,.2);padding:18px;z-index:60}
#cookie-consent.hide{display:none}
#cookie-consent h4{margin:0 0 6px;font-family:Inter}
#cookie-consent p{font-size:.86rem;color:#3a4a5a;margin:.2em 0 12px}
.cc-btns{display:flex;gap:8px;flex-wrap:wrap}
.cc-btn{border-radius:8px;padding:9px 14px;font-weight:700;cursor:pointer;border:1px solid var(--bd);font:inherit}
.cc-btn.primary{background:var(--cta);color:#fff;border-color:var(--cta)}
.cc-btn.ghost{background:#fff;color:var(--ink)}
/* responsive */
@media(max-width:900px){
 .hamburger{display:block}
 .nav{display:none;position:absolute;top:64px;left:0;right:0;flex-direction:column;background:var(--navy);padding:8px;gap:0;border-top:1px solid #22384e}
 .nav.open{display:flex}
 .navitem>a{padding:12px}.submenu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;background:#16324a;border-radius:8px;margin:2px 0}
 .submenu a{color:#dbe6f1}.submenu a:hover{background:#1d3f5c}
 .toplist-desktop{display:none}.toplist-mobile{display:block}
 .vgrid{grid-template-columns:1fr}
 .site .cols{grid-template-columns:1fr 1fr}
 .facts{grid-template-columns:1fr 1fr}
 /* mobile above-the-fold: H1 + author + updated (hero) -> H2 -> table; intro/facts after */
 .hero{padding:18px 0 14px}
 .hero .lede{display:none}
 .hero h1{font-size:1.55rem;margin-bottom:.35em}
 #main>section{padding:22px 0}
 #toplist .wrap{display:flex;flex-direction:column}
 #toplist>.wrap>h2{order:1}
 #toplist>.wrap>.lead-rule{order:2}
 #toplist .toplist{order:3}
 #toplist .facts{order:4;margin-top:10px}
 #toplist .intro{order:5;margin-top:6px}
 #toplist .box.warn{order:6}
 #toplist .disclosure{order:7}
 h2{font-size:1.4rem}
}
@media(max-width:560px){.site .cols{grid-template-columns:1fr}.review-card .facts{columns:1}}