:root{--ink:#173042;--muted:#5b7080;--bg:#f6f9fb;--card:#fff;--line:#dfebf0;--accent:#007c91;--accent2:#045769;--gold:#f6b55b}*{box-sizing:border-box}body{margin:0;color:var(--ink);background:var(--bg);font:16px/1.65 system-ui,-apple-system,'Segoe UI',Arial,sans-serif}a{color:var(--accent2);text-decoration:none}a:hover{text-decoration:underline}.container{width:min(1120px,calc(100% - 36px));margin:auto}header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.head{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:72px}.brand{font:800 1.45rem system-ui,-apple-system,'Segoe UI',Arial,sans-serif;letter-spacing:-.05em;color:var(--ink)}.brand b{color:var(--accent)}.nav{display:flex;gap:20px;flex-wrap:wrap}.nav a{font-size:.91rem;font-weight:700}.hero{background:linear-gradient(118deg,#043e54,#087f8e);color:white;padding:72px 0 78px}.hero h1{font:800 clamp(2.2rem,5vw,4.2rem)/1.12 system-ui,-apple-system,'Segoe UI',Arial,sans-serif;letter-spacing:-.05em;max-width:820px;margin:14px 0}.hero p{max-width:700px;color:#d8f1f2;font-size:1.1rem}.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:.76rem;font-weight:800;color:#8fe6e2}.search{max-width:710px;display:flex;margin-top:30px;background:#fff;border-radius:15px;padding:7px;box-shadow:0 15px 40px #00344955}.search input{border:0;padding:14px;font:inherit;flex:1;min-width:0;outline:0}.button,.search button{border:0;background:var(--accent);color:white;padding:13px 19px;border-radius:10px;font-weight:800;cursor:pointer;display:inline-block}.button:hover,.search button:hover{background:var(--accent2);text-decoration:none}.section{padding:46px 0}.section h2,.article h1{font-family:system-ui,-apple-system,'Segoe UI',Arial,sans-serif;line-height:1.2;letter-spacing:-.035em}.section h2{font-size:1.9rem;margin:0 0 10px}.lede{color:var(--muted);max-width:760px;margin:0 0 25px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--card);border:1px solid var(--line);padding:25px;border-radius:18px;box-shadow:0 4px 18px #12405408}.card h3{font:800 1.1rem system-ui,-apple-system,'Segoe UI',Arial,sans-serif;margin:6px 0}.card p{font-size:.94rem;color:var(--muted);margin:0 0 15px}.kicker{font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;font-weight:800;color:var(--accent)}.tag{font-size:.76rem;display:inline-block;border-radius:50px;background:#e7f6f6;color:#046579;font-weight:800;padding:5px 11px}.arrow{font-weight:800}.feature{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:30px;align-items:start}.article{background:white;padding:42px;border:1px solid var(--line);border-radius:18px}.article h1{font-size:clamp(2rem,4vw,2.9rem);margin:14px 0}.article h2{margin:34px 0 12px;font:800 1.4rem system-ui,-apple-system,'Segoe UI',Arial,sans-serif}.article p,.article li{color:#354c5c}.article ul{padding-left:22px}.article li{margin:13px 0}.crumb{font-size:.86rem;color:var(--muted);margin:28px 0 17px}.aside{position:sticky;top:95px}.aside a{display:block;padding:10px 0;border-bottom:1px solid var(--line)}.callout{background:#edf7f8;border-left:4px solid var(--accent);border-radius:8px;padding:20px;margin:25px 0}.tool{padding:24px;background:#fff;border-radius:17px;border:1px solid var(--line)}.tool label{display:block;font-size:.9rem;font-weight:800;margin:12px 0 5px}.tool input,.tool select,.tool textarea{width:100%;padding:11px;border:1px solid #b9cbd2;border-radius:8px;font:inherit}.tool output{display:block;margin-top:14px;font-size:1.3rem;font-weight:800;color:var(--accent2)}.tools{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.muted{color:var(--muted)}footer{background:#103441;color:#d6e7eb;margin-top:55px;padding:38px 0}footer a{color:#e3fafc}footer .cols{display:flex;flex-wrap:wrap;gap:20px;justify-content:space-between}.pill-row{display:flex;gap:9px;flex-wrap:wrap;margin-top:20px}.pill{padding:8px 15px;border-radius:50px;background:#e5f4f5;font-weight:700;font-size:.83rem}.small{font-size:.83rem}.hide{display:none!important}.no-results{padding:20px;background:#fff;border-radius:12px}button:focus-visible,a:focus-visible,input:focus-visible{outline:3px solid #e3a742;outline-offset:2px}@media(max-width:780px){.nav{gap:9px}.nav a{font-size:.77rem}.head{align-items:flex-start;padding:14px 0;flex-direction:column}.grid,.feature,.tools,.article-layout{grid-template-columns:1fr}.article{padding:24px}.aside{position:static}.hero{padding:50px 0}.search button{padding:12px}}
/* Publisher information and trust pages */
.policy-lead{font-size:1.1rem;line-height:1.75;color:#243d4b!important}.contact-panel{background:#edf7f8;border:1px solid #cce7e8;padding:25px;border-radius:14px;margin:25px 0}.contact-panel h2{margin-top:0}.contact-email{font-size:clamp(1.1rem,3vw,1.55rem);font-weight:800;overflow-wrap:anywhere}.policy-back{border-top:1px solid var(--line);padding-top:20px;margin-top:38px}.article a:not(.button){text-decoration:underline;text-underline-offset:2px}footer .cols>div:last-child{max-width:570px;line-height:2.2}footer a{white-space:nowrap}

/* October 2026 content-quality and social metadata revision */
.guide-toc{display:flex;gap:11px;align-items:center;flex-wrap:wrap;background:#f1f8fa;border:1px solid #d5eaec;border-radius:12px;padding:14px 17px;margin:20px 0 26px;font-size:.91rem}
.guide-toc a{font-weight:700;color:#075d70}
.guide-toc strong{margin-right:5px}
.article--guide{font-size:1.025rem;line-height:1.78}
.article--guide h2{scroll-margin-top:105px}
.article--guide .lede{max-width:none;line-height:1.85;font-size:1.095rem}
.key-points{background:#fcfefe;border:1px solid #dce9ed;border-radius:12px;padding:15px 26px 15px 43px!important}
.editorial-view{background:#f2f6fb;border-left:4px solid #307f9a;padding:19px 22px;margin:26px 0;border-radius:10px}
.editorial-view p{margin:7px 0 0}
.further-reading{margin:30px 0;padding:20px 23px;background:#f9fbfc;border:1px solid var(--line);border-radius:12px}
.further-reading h2{margin-top:0!important}
.further-reading p:last-child{margin-bottom:0}
.article-credit{border-top:1px solid var(--line);padding-top:20px;margin-top:31px}
.related-links li{margin-bottom:8px}
.article--guide p{overflow-wrap:anywhere}
@media(max-width:780px){.guide-toc{align-items:flex-start}.article--guide{font-size:1rem}.article--guide h2{scroll-margin-top:140px}}

.home-editorial .eyebrow{color:#047388}.home-editorial .section-intro{max-width:910px}.home-editorial .card p a{text-decoration:underline}.home-editorial>p{max-width:900px}.tool-cta{margin-top:16px}.tool-cta a{display:inline-block;border-radius:9px;background:#045769;color:white!important;padding:10px 14px;text-decoration:none!important;font-weight:700}.tool-cta a:hover{background:#007c91}#savings-tool,#date-tool,#tip-tool,#words-tool,#units-tool{scroll-margin-top:100px}