.blog-article[data-astro-cid-2hx2yvrz]{padding:2rem 0 4rem}.container[data-astro-cid-2hx2yvrz]{max-width:740px;margin:0 auto;padding:0 1.5rem}.back-link[data-astro-cid-2hx2yvrz]{display:inline-block;color:var(--gold-hover);text-decoration:none;font-size:.9rem;margin-bottom:2rem}.back-link[data-astro-cid-2hx2yvrz]:hover{text-decoration:underline}.article-header[data-astro-cid-2hx2yvrz]{margin-bottom:3rem}.article-meta[data-astro-cid-2hx2yvrz]{display:flex;align-items:center;gap:1rem;margin-bottom:1rem;font-size:.85rem;color:var(--gray-600)}.reading-time[data-astro-cid-2hx2yvrz]{background:var(--gray-100);padding:.2rem .6rem;border-radius:4px}.article-header[data-astro-cid-2hx2yvrz] h1[data-astro-cid-2hx2yvrz]{font-size:clamp(1.75rem,5vw,2.5rem);color:var(--forest);line-height:1.2;margin-bottom:1rem}.article-subtitle[data-astro-cid-2hx2yvrz]{font-size:1.15rem;color:var(--gray-600);line-height:1.6}section[data-astro-cid-2hx2yvrz]{margin-bottom:3rem}h2[data-astro-cid-2hx2yvrz]{font-size:1.5rem;color:var(--forest);margin-bottom:1rem}p[data-astro-cid-2hx2yvrz]{color:var(--gray-700);line-height:1.7;margin-bottom:1rem}.scenario-grid[data-astro-cid-2hx2yvrz]{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;margin:1.5rem 0}.scenario[data-astro-cid-2hx2yvrz]{padding:1.5rem;border-radius:8px}.scenario[data-astro-cid-2hx2yvrz].covered{background:#f0fdf4;border:1px solid #bbf7d0}.scenario[data-astro-cid-2hx2yvrz].gap{background:#fef2f2;border:1px solid #fecaca}.scenario[data-astro-cid-2hx2yvrz] h3[data-astro-cid-2hx2yvrz]{font-size:1rem;color:var(--forest);margin-bottom:.75rem}.scenario[data-astro-cid-2hx2yvrz].gap h3[data-astro-cid-2hx2yvrz]{color:#991b1b}.scenario[data-astro-cid-2hx2yvrz] ul[data-astro-cid-2hx2yvrz]{list-style:none;padding:0;margin:0}.scenario[data-astro-cid-2hx2yvrz] li[data-astro-cid-2hx2yvrz]{padding:.35rem 0 .35rem 1.25rem;position:relative;font-size:.9rem;color:var(--gray-700)}.scenario[data-astro-cid-2hx2yvrz].covered li[data-astro-cid-2hx2yvrz]:before{content:"✓";position:absolute;left:0;color:#16a34a;font-weight:700}.scenario[data-astro-cid-2hx2yvrz].gap li[data-astro-cid-2hx2yvrz]:before{content:"?";position:absolute;left:0;color:#dc2626;font-weight:700}.warning-box[data-astro-cid-2hx2yvrz]{background:#fffbeb;border:1px solid #fbbf24;border-left:4px solid #f59e0b;padding:1.25rem;border-radius:6px;margin:1.5rem 0;font-size:.95rem;color:var(--gray-700);line-height:1.6}.coverage-comparison[data-astro-cid-2hx2yvrz]{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;margin:1.5rem 0}.coverage-card[data-astro-cid-2hx2yvrz]{border-radius:8px;overflow:hidden;border:1px solid var(--gray-200)}.coverage-header[data-astro-cid-2hx2yvrz]{padding:1.25rem;display:flex;justify-content:space-between;align-items:center}.coverage-card[data-astro-cid-2hx2yvrz].ntl .coverage-header[data-astro-cid-2hx2yvrz]{background:var(--forest);color:#fff}.coverage-card[data-astro-cid-2hx2yvrz].bobtail .coverage-header[data-astro-cid-2hx2yvrz]{background:var(--forest-deep);color:#fff}.coverage-header[data-astro-cid-2hx2yvrz] h3[data-astro-cid-2hx2yvrz]{font-size:1.1rem;margin:0;color:inherit}.badge[data-astro-cid-2hx2yvrz]{font-size:.7rem;font-weight:600;padding:.25rem .6rem;border-radius:20px;text-transform:uppercase;letter-spacing:.05em}.badge[data-astro-cid-2hx2yvrz].common{background:#fff3;color:#fff}.badge[data-astro-cid-2hx2yvrz].broader{background:var(--gold);color:var(--forest-deep)}.coverage-body[data-astro-cid-2hx2yvrz]{padding:1.25rem;background:#fff}.coverage-definition[data-astro-cid-2hx2yvrz]{font-size:.95rem;padding-bottom:.5rem;border-bottom:1px solid var(--gray-200);margin-bottom:1rem}.coverage-body[data-astro-cid-2hx2yvrz] h4[data-astro-cid-2hx2yvrz]{font-size:.85rem;text-transform:uppercase;letter-spacing:.05em;color:var(--gray-600);margin-bottom:.5rem;margin-top:1rem}.covered-list[data-astro-cid-2hx2yvrz],.excluded-list[data-astro-cid-2hx2yvrz]{list-style:none;padding:0;margin:0 0 .75rem}.covered-list[data-astro-cid-2hx2yvrz] li[data-astro-cid-2hx2yvrz],.excluded-list[data-astro-cid-2hx2yvrz] li[data-astro-cid-2hx2yvrz]{padding:.3rem 0 .3rem 1.25rem;position:relative;font-size:.85rem;color:var(--gray-700)}.covered-list[data-astro-cid-2hx2yvrz] li[data-astro-cid-2hx2yvrz]:before{content:"✓";position:absolute;left:0;color:#16a34a;font-weight:700}.excluded-list[data-astro-cid-2hx2yvrz] li[data-astro-cid-2hx2yvrz]:before{content:"✗";position:absolute;left:0;color:#dc2626;font-weight:700}.coverage-detail[data-astro-cid-2hx2yvrz]{background:var(--gray-100);padding:.75rem 1rem;border-radius:6px;font-size:.85rem;margin-top:1rem}.coverage-detail[data-astro-cid-2hx2yvrz] p[data-astro-cid-2hx2yvrz]{margin:0}.comparison-table-wrapper[data-astro-cid-2hx2yvrz]{overflow-x:auto;margin:1.5rem 0}.comparison-table[data-astro-cid-2hx2yvrz]{width:100%;border-collapse:collapse;font-size:.9rem}.comparison-table[data-astro-cid-2hx2yvrz] th[data-astro-cid-2hx2yvrz]{background:var(--forest);color:#fff;padding:.75rem 1rem;text-align:left;font-weight:600}.comparison-table[data-astro-cid-2hx2yvrz] td[data-astro-cid-2hx2yvrz]{padding:.75rem 1rem;border-bottom:1px solid var(--gray-200);color:var(--gray-700)}.comparison-table[data-astro-cid-2hx2yvrz] tr[data-astro-cid-2hx2yvrz]:nth-child(2n) td[data-astro-cid-2hx2yvrz]{background:var(--gray-100)}td[data-astro-cid-2hx2yvrz].yes{color:#16a34a;font-weight:600}td[data-astro-cid-2hx2yvrz].no{color:#dc2626;font-weight:600}td[data-astro-cid-2hx2yvrz].maybe{color:#d97706;font-weight:600}.scenario-cards[data-astro-cid-2hx2yvrz]{display:flex;flex-direction:column;gap:1.5rem;margin-top:1.5rem}.scenario-card[data-astro-cid-2hx2yvrz]{display:flex;gap:1.25rem;padding:1.5rem;background:var(--gray-100);border-radius:8px;border:1px solid var(--gray-200)}.scenario-number[data-astro-cid-2hx2yvrz]{width:36px;height:36px;min-width:36px;background:var(--forest);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.9rem}.scenario-content[data-astro-cid-2hx2yvrz] h3[data-astro-cid-2hx2yvrz]{font-size:1.05rem;color:var(--forest);margin-bottom:.5rem}.scenario-setup[data-astro-cid-2hx2yvrz]{font-size:.9rem;font-style:italic;color:var(--gray-600);margin-bottom:.75rem}.scenario-result[data-astro-cid-2hx2yvrz]{display:flex;flex-direction:column;gap:.5rem;margin-bottom:.5rem}.result-item[data-astro-cid-2hx2yvrz]{padding:.5rem .75rem;border-radius:4px;font-size:.85rem}.result-item[data-astro-cid-2hx2yvrz].covered{background:#f0fdf4;border-left:3px solid #16a34a;color:#166534}.result-item[data-astro-cid-2hx2yvrz].danger{background:#fef2f2;border-left:3px solid #dc2626;color:#991b1b}.result-item[data-astro-cid-2hx2yvrz].maybe{background:#fffbeb;border-left:3px solid #d97706;color:#92400e}.scenario-warning[data-astro-cid-2hx2yvrz]{background:#fef2f2;border:1px solid #fecaca;padding:.75rem 1rem;border-radius:6px;font-size:.85rem;color:#991b1b;margin-top:.5rem}.decision-grid[data-astro-cid-2hx2yvrz]{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;margin-top:1.5rem}.decision-card[data-astro-cid-2hx2yvrz]{padding:1.5rem;background:var(--gray-100);border-radius:8px;border:1px solid var(--gray-200)}.decision-card[data-astro-cid-2hx2yvrz].highlighted{background:var(--forest-deep);color:#fff;border:2px solid var(--gold)}.decision-card[data-astro-cid-2hx2yvrz].highlighted h3[data-astro-cid-2hx2yvrz]{color:var(--gold)}.decision-card[data-astro-cid-2hx2yvrz].highlighted li[data-astro-cid-2hx2yvrz]{color:#ffffffe6}.decision-card[data-astro-cid-2hx2yvrz].own-authority{grid-column:1 / -1;background:var(--forest);color:#fff}.decision-card[data-astro-cid-2hx2yvrz].own-authority h3[data-astro-cid-2hx2yvrz]{color:var(--gold)}.decision-card[data-astro-cid-2hx2yvrz].own-authority li[data-astro-cid-2hx2yvrz]{color:#ffffffe6}.decision-card[data-astro-cid-2hx2yvrz] h3[data-astro-cid-2hx2yvrz]{font-size:1.1rem;color:var(--forest);margin-bottom:.75rem}.decision-card[data-astro-cid-2hx2yvrz] ul[data-astro-cid-2hx2yvrz]{list-style:none;padding:0;margin:0 0 1rem}.decision-card[data-astro-cid-2hx2yvrz] li[data-astro-cid-2hx2yvrz]{padding:.35rem 0 .35rem 1.25rem;position:relative;font-size:.9rem;color:var(--gray-700)}.decision-card[data-astro-cid-2hx2yvrz] li[data-astro-cid-2hx2yvrz]:before{content:"✓";position:absolute;left:0;font-weight:700}.decision-card[data-astro-cid-2hx2yvrz].highlighted li[data-astro-cid-2hx2yvrz]:before,.decision-card[data-astro-cid-2hx2yvrz].own-authority li[data-astro-cid-2hx2yvrz]:before{color:var(--gold)}.decision-bottom[data-astro-cid-2hx2yvrz]{border-top:1px solid var(--gray-200);padding-top:.75rem;margin-top:auto}.decision-card[data-astro-cid-2hx2yvrz].highlighted .decision-bottom[data-astro-cid-2hx2yvrz],.decision-card[data-astro-cid-2hx2yvrz].own-authority .decision-bottom[data-astro-cid-2hx2yvrz]{border-color:#fff3}.cost-tag[data-astro-cid-2hx2yvrz]{display:inline-block;background:var(--gold);color:var(--forest-deep);padding:.25rem .75rem;border-radius:4px;font-weight:700;font-size:.9rem}.cost-note[data-astro-cid-2hx2yvrz]{font-size:.8rem;color:#fffc;margin-top:.5rem;margin-bottom:0}.gap-diagram[data-astro-cid-2hx2yvrz]{display:flex;flex-direction:column;gap:0;margin:1.5rem 0}.gap-step[data-astro-cid-2hx2yvrz]{display:flex;align-items:flex-start;gap:1rem;padding:1rem 1.25rem;border-left:3px solid var(--gray-300);position:relative}.gap-step[data-astro-cid-2hx2yvrz].danger{border-left-color:#dc2626;background:#fef2f2;border-radius:0 8px 8px 0}.step-num[data-astro-cid-2hx2yvrz]{width:28px;height:28px;min-width:28px;background:var(--gray-300);color:var(--gray-700);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.8rem}.gap-step[data-astro-cid-2hx2yvrz].danger .step-num[data-astro-cid-2hx2yvrz]{background:#dc2626;color:#fff}.gap-step[data-astro-cid-2hx2yvrz] p[data-astro-cid-2hx2yvrz]{margin:0;font-size:.9rem}.cost-of-gap[data-astro-cid-2hx2yvrz]{background:var(--forest-deep);color:#fff;padding:2rem;border-radius:8px;margin-top:1.5rem}.cost-of-gap[data-astro-cid-2hx2yvrz] h3[data-astro-cid-2hx2yvrz]{color:var(--gold);font-size:1.15rem;margin-bottom:1.25rem}.cost-items[data-astro-cid-2hx2yvrz]{display:flex;flex-direction:column;gap:.5rem;margin-bottom:1.25rem}.cost-item[data-astro-cid-2hx2yvrz]{display:flex;justify-content:space-between;padding:.5rem 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:.9rem}.cost-label[data-astro-cid-2hx2yvrz]{color:#fffc}.cost-value[data-astro-cid-2hx2yvrz]{color:#fff;font-weight:600}.cost-item[data-astro-cid-2hx2yvrz].total{border-bottom:none;border-top:2px solid var(--gold);padding-top:.75rem;margin-top:.25rem}.cost-item[data-astro-cid-2hx2yvrz].total .cost-label[data-astro-cid-2hx2yvrz]{color:var(--gold);font-weight:700}.cost-item[data-astro-cid-2hx2yvrz].total .cost-value[data-astro-cid-2hx2yvrz]{color:var(--gold);font-weight:700;font-size:1.1rem}.cost-comparison[data-astro-cid-2hx2yvrz]{color:#ffffffe6;font-size:.95rem;margin-bottom:0}.mistakes-list[data-astro-cid-2hx2yvrz]{display:flex;flex-direction:column;gap:1.25rem;margin-top:1.5rem}.mistake[data-astro-cid-2hx2yvrz]{display:flex;gap:1rem;align-items:flex-start}.mistake-num[data-astro-cid-2hx2yvrz]{width:32px;height:32px;min-width:32px;background:#dc2626;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.85rem}.mistake[data-astro-cid-2hx2yvrz] h3[data-astro-cid-2hx2yvrz]{font-size:1rem;color:var(--forest);margin-bottom:.25rem}.mistake[data-astro-cid-2hx2yvrz] p[data-astro-cid-2hx2yvrz]{font-size:.9rem;margin:0}.questions-grid[data-astro-cid-2hx2yvrz]{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-top:1.5rem}.question-card[data-astro-cid-2hx2yvrz]{display:flex;gap:.75rem;align-items:flex-start;padding:1rem;background:var(--gray-100);border-radius:6px;border:1px solid var(--gray-200)}.q-num[data-astro-cid-2hx2yvrz]{width:24px;height:24px;min-width:24px;background:var(--gold);color:var(--forest-deep);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.75rem}.question-card[data-astro-cid-2hx2yvrz] p[data-astro-cid-2hx2yvrz]{font-size:.85rem;margin:0;font-weight:500;color:var(--forest)}.faq-section[data-astro-cid-2hx2yvrz]{border-top:1px solid var(--gray-200);padding-top:2rem}.faq-list[data-astro-cid-2hx2yvrz]{display:flex;flex-direction:column;gap:.75rem}.faq-item[data-astro-cid-2hx2yvrz]{border:1px solid var(--gray-200);border-radius:6px;overflow:hidden}.faq-item[data-astro-cid-2hx2yvrz] summary[data-astro-cid-2hx2yvrz]{padding:1rem 1.25rem;cursor:pointer;font-weight:600;color:var(--forest);font-size:.95rem;background:var(--gray-100)}.faq-item[data-astro-cid-2hx2yvrz] summary[data-astro-cid-2hx2yvrz]:hover{background:var(--gray-200)}.faq-item[data-astro-cid-2hx2yvrz][open] summary[data-astro-cid-2hx2yvrz]{border-bottom:1px solid var(--gray-200)}.faq-item[data-astro-cid-2hx2yvrz] p[data-astro-cid-2hx2yvrz]{padding:1rem 1.25rem;margin:0;font-size:.9rem;line-height:1.6}.cta-section[data-astro-cid-2hx2yvrz]{margin-top:3rem}.cta-box[data-astro-cid-2hx2yvrz]{background:var(--forest);color:#fff;padding:2.5rem;border-radius:10px;text-align:center}.cta-box[data-astro-cid-2hx2yvrz] h2[data-astro-cid-2hx2yvrz]{color:#fff;font-size:1.5rem;margin-bottom:.75rem}.cta-box[data-astro-cid-2hx2yvrz] p[data-astro-cid-2hx2yvrz]{color:#ffffffd9;max-width:500px;margin:0 auto 1.5rem}.cta-button[data-astro-cid-2hx2yvrz]{display:inline-block;background:var(--gold);color:var(--forest-deep);padding:.85rem 2rem;border-radius:6px;font-weight:700;text-decoration:none;font-size:1rem;transition:background .2s}.cta-button[data-astro-cid-2hx2yvrz]:hover{background:var(--gold-hover)}.cta-sub[data-astro-cid-2hx2yvrz]{font-size:.85rem;color:#fff9;margin-top:1rem;margin-bottom:0}.cta-sub[data-astro-cid-2hx2yvrz] a[data-astro-cid-2hx2yvrz]{color:var(--gold);text-decoration:none}@media (max-width: 768px){.scenario-grid[data-astro-cid-2hx2yvrz],.coverage-comparison[data-astro-cid-2hx2yvrz],.decision-grid[data-astro-cid-2hx2yvrz],.questions-grid[data-astro-cid-2hx2yvrz]{grid-template-columns:1fr}.decision-card[data-astro-cid-2hx2yvrz].own-authority{grid-column:auto}.comparison-table[data-astro-cid-2hx2yvrz]{font-size:.8rem}.comparison-table[data-astro-cid-2hx2yvrz] th[data-astro-cid-2hx2yvrz],.comparison-table[data-astro-cid-2hx2yvrz] td[data-astro-cid-2hx2yvrz]{padding:.5rem .6rem}.scenario-card[data-astro-cid-2hx2yvrz]{flex-direction:column;gap:.75rem}.cost-item[data-astro-cid-2hx2yvrz]{flex-direction:column;gap:.25rem}}