.article-container[data-astro-cid-mrvj7y2l]{max-width:740px;margin:2rem auto;padding:0 1.5rem;font-family:var(--font-body, "DM Sans", sans-serif);color:var(--text);line-height:1.7}.breadcrumb[data-astro-cid-mrvj7y2l]{font-size:.85rem;color:var(--gray-600);margin-bottom:1.5rem}.breadcrumb[data-astro-cid-mrvj7y2l] a[data-astro-cid-mrvj7y2l]{color:var(--forest, #1B4332);text-decoration:none}.breadcrumb[data-astro-cid-mrvj7y2l] a[data-astro-cid-mrvj7y2l]:hover{text-decoration:underline}.article-header[data-astro-cid-mrvj7y2l]{margin-bottom:2.5rem}.article-meta[data-astro-cid-mrvj7y2l]{display:flex;align-items:center;gap:.75rem;margin-bottom:1rem;flex-wrap:wrap}.tag[data-astro-cid-mrvj7y2l]{background:var(--forest, #1B4332);color:#fff;padding:.2rem .6rem;border-radius:3px;font-size:.75rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em}time[data-astro-cid-mrvj7y2l],.read-time[data-astro-cid-mrvj7y2l]{font-size:.85rem;color:var(--gray-600)}h1[data-astro-cid-mrvj7y2l]{font-family:var(--font-heading, "Crimson Pro", serif);font-size:2.2rem;line-height:1.2;color:var(--forest-deep, #0D2118);margin:0 0 1rem}.article-intro[data-astro-cid-mrvj7y2l]{font-size:1.1rem;color:var(--gray-600);border-left:3px solid var(--gold, #DAA520);padding-left:1rem}h2[data-astro-cid-mrvj7y2l]{font-family:var(--font-heading, "Crimson Pro", serif);font-size:1.6rem;color:var(--forest-deep, #0D2118);margin:2.5rem 0 1rem}h3[data-astro-cid-mrvj7y2l]{font-family:var(--font-heading, "Crimson Pro", serif);font-size:1.25rem;color:var(--forest-deep, #0D2118)}section[data-astro-cid-mrvj7y2l]{margin-bottom:2.5rem}a[data-astro-cid-mrvj7y2l]{color:var(--forest, #1B4332)}.types-grid[data-astro-cid-mrvj7y2l]{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin:1.5rem 0}.type-card[data-astro-cid-mrvj7y2l]{background:var(--bg-light);border-radius:8px;padding:1.25rem;border:1px solid var(--gray-200)}.type-icon[data-astro-cid-mrvj7y2l]{width:28px;height:28px;background:var(--forest-deep, #0D2118);color:var(--gold, #DAA520);border-radius:50%;display:inline-flex;align-items:center;justify-content:center;font-weight:700;font-size:.85rem;margin-bottom:.5rem}.type-card[data-astro-cid-mrvj7y2l] strong[data-astro-cid-mrvj7y2l]{display:block;font-size:.95rem;margin-bottom:.25rem}.type-card[data-astro-cid-mrvj7y2l] p[data-astro-cid-mrvj7y2l]{margin:0;font-size:.85rem;color:var(--gray-600)}.callout[data-astro-cid-mrvj7y2l]{padding:1.25rem;border-radius:8px;margin:1.5rem 0;font-size:.95rem}.callout-info[data-astro-cid-mrvj7y2l]{background:#1b43320f;border-left:4px solid var(--forest, #1B4332)}.callout-danger[data-astro-cid-mrvj7y2l]{background:#c0392b0a;border-left:4px solid #c0392b}.callout-warning[data-astro-cid-mrvj7y2l]{background:#daa5200f;border-left:4px solid var(--gold, #DAA520)}.cost-breakdown[data-astro-cid-mrvj7y2l]{margin:1.5rem 0;border-radius:10px;overflow:hidden;border:1px solid var(--gray-200)}.cost-title[data-astro-cid-mrvj7y2l]{background:var(--forest-deep, #0D2118);color:#fff;padding:.75rem 1rem;font-weight:700;font-family:var(--font-heading, "Crimson Pro", serif);font-size:1.05rem}.cost-breakdown[data-astro-cid-mrvj7y2l] table[data-astro-cid-mrvj7y2l]{width:100%;border-collapse:collapse;font-size:.9rem}.cost-breakdown[data-astro-cid-mrvj7y2l] th[data-astro-cid-mrvj7y2l],.cost-breakdown[data-astro-cid-mrvj7y2l] td[data-astro-cid-mrvj7y2l]{padding:.75rem 1rem;text-align:left;border-bottom:1px solid var(--gray-200)}.cost-breakdown[data-astro-cid-mrvj7y2l] thead[data-astro-cid-mrvj7y2l] th[data-astro-cid-mrvj7y2l]{background:var(--bg-light);font-weight:600;font-size:.8rem;text-transform:uppercase}.total-row[data-astro-cid-mrvj7y2l]{background:#daa5200f;font-weight:600}.revenue-row[data-astro-cid-mrvj7y2l]{background:#c0392b0a}.revenue-row[data-astro-cid-mrvj7y2l] td[data-astro-cid-mrvj7y2l]{color:#c0392b}.stats-grid[data-astro-cid-mrvj7y2l]{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;margin:1.5rem 0}.stat-card[data-astro-cid-mrvj7y2l]{background:var(--forest-deep, #0D2118);color:#fff;border-radius:8px;padding:1.25rem;text-align:center}.stat-number[data-astro-cid-mrvj7y2l]{font-family:var(--font-heading, "Crimson Pro", serif);font-size:1.8rem;font-weight:700;color:var(--gold, #DAA520);margin-bottom:.25rem}.stat-label[data-astro-cid-mrvj7y2l]{font-size:.8rem;color:var(--gray-200);line-height:1.3}.calc-box[data-astro-cid-mrvj7y2l]{background:var(--forest-deep, #0D2118);color:#fff;border-radius:10px;padding:1.5rem;margin:1.5rem 0}.calc-title[data-astro-cid-mrvj7y2l]{font-family:var(--font-heading, "Crimson Pro", serif);font-size:1.1rem;color:var(--gold, #DAA520);margin-bottom:1rem;font-weight:700}.calc-formula[data-astro-cid-mrvj7y2l]{display:flex;flex-direction:column;gap:.5rem}.formula-line[data-astro-cid-mrvj7y2l]{display:flex;justify-content:space-between;align-items:center;padding:.5rem 0}.formula-label[data-astro-cid-mrvj7y2l]{font-size:.9rem;color:var(--gray-200)}.formula-value[data-astro-cid-mrvj7y2l]{font-weight:700;font-size:1rem}.formula-divider[data-astro-cid-mrvj7y2l]{text-align:center;font-size:1.5rem;color:var(--gold, #DAA520);font-weight:700}.formula-line[data-astro-cid-mrvj7y2l].result{border-top:2px solid var(--gold, #DAA520);padding-top:.75rem;margin-top:.25rem}.formula-line[data-astro-cid-mrvj7y2l].result .formula-value[data-astro-cid-mrvj7y2l]{color:var(--gold, #DAA520);font-size:1.2rem}.note[data-astro-cid-mrvj7y2l]{font-size:.8rem;color:var(--gray-600);font-weight:400}.compare-loads[data-astro-cid-mrvj7y2l]{margin:1.5rem 0}.compare-title[data-astro-cid-mrvj7y2l]{font-family:var(--font-heading, "Crimson Pro", serif);font-size:1.1rem;font-weight:700;color:var(--forest-deep, #0D2118);margin-bottom:1rem}.compare-grid[data-astro-cid-mrvj7y2l]{display:flex;gap:1rem;align-items:stretch}.compare-card[data-astro-cid-mrvj7y2l]{flex:1;border-radius:8px;overflow:hidden;border:2px solid var(--gray-200)}.compare-card[data-astro-cid-mrvj7y2l].winner{border-color:var(--forest, #1B4332)}.compare-header[data-astro-cid-mrvj7y2l]{padding:.75rem 1rem;font-weight:700;text-align:center;font-size:.95rem}.option-a[data-astro-cid-mrvj7y2l]{background:var(--bg-light);color:var(--text)}.option-b[data-astro-cid-mrvj7y2l]{background:var(--forest, #1B4332);color:#fff}.compare-body[data-astro-cid-mrvj7y2l]{padding:.75rem 1rem}.compare-row[data-astro-cid-mrvj7y2l]{display:flex;justify-content:space-between;padding:.4rem 0;font-size:.85rem;border-bottom:1px solid var(--gray-100)}.compare-row[data-astro-cid-mrvj7y2l].total{font-weight:700;border-top:2px solid var(--gold, #DAA520);border-bottom:none;padding-top:.6rem;margin-top:.25rem}.vs-badge[data-astro-cid-mrvj7y2l]{align-self:center;font-weight:900;font-size:1.2rem;color:var(--gold, #DAA520);min-width:40px;text-align:center}.compare-verdict[data-astro-cid-mrvj7y2l]{margin-top:.75rem;font-size:.9rem;color:var(--gray-600);padding:.75rem;background:#1b43320f;border-radius:6px}.strategies-list[data-astro-cid-mrvj7y2l]{display:flex;flex-direction:column;gap:.75rem;margin:1.5rem 0}.strategy[data-astro-cid-mrvj7y2l]{display:flex;gap:1rem;align-items:flex-start}.strategy-num[data-astro-cid-mrvj7y2l]{width:32px;height:32px;min-width:32px;background:var(--gold, #DAA520);color:var(--forest-deep, #0D2118);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700}.strategy-content[data-astro-cid-mrvj7y2l]{flex:1}.strategy-content[data-astro-cid-mrvj7y2l] strong[data-astro-cid-mrvj7y2l]{font-size:.95rem}.strategy-content[data-astro-cid-mrvj7y2l] p[data-astro-cid-mrvj7y2l]{margin:.25rem 0 0;font-size:.9rem;color:var(--gray-600)}.benchmark-table[data-astro-cid-mrvj7y2l]{overflow-x:auto;margin:1.5rem 0}.benchmark-table[data-astro-cid-mrvj7y2l] table[data-astro-cid-mrvj7y2l]{width:100%;border-collapse:collapse;font-size:.9rem}.benchmark-table[data-astro-cid-mrvj7y2l] th[data-astro-cid-mrvj7y2l],.benchmark-table[data-astro-cid-mrvj7y2l] td[data-astro-cid-mrvj7y2l]{padding:.75rem;text-align:left;border-bottom:1px solid var(--gray-200)}.benchmark-table[data-astro-cid-mrvj7y2l] thead[data-astro-cid-mrvj7y2l] th[data-astro-cid-mrvj7y2l]{background:var(--forest-deep, #0D2118);color:#fff;font-weight:600;font-size:.8rem;text-transform:uppercase}.good[data-astro-cid-mrvj7y2l]{color:var(--forest, #1B4332);font-weight:700}.okay[data-astro-cid-mrvj7y2l]{color:#f9a825;font-weight:700}.warning[data-astro-cid-mrvj7y2l]{color:var(--gold-hover);font-weight:700}.bad[data-astro-cid-mrvj7y2l]{color:#c0392b;font-weight:700}.target[data-astro-cid-mrvj7y2l]{color:var(--gray-600);font-style:italic;font-size:.85rem}.insurance-impacts[data-astro-cid-mrvj7y2l]{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin:1.5rem 0}.impact-card[data-astro-cid-mrvj7y2l]{border-radius:8px;overflow:hidden;border:1px solid var(--gray-200)}.impact-header[data-astro-cid-mrvj7y2l]{background:var(--forest-deep, #0D2118);color:#fff;padding:.75rem 1rem;font-weight:700;font-size:.9rem}.impact-body[data-astro-cid-mrvj7y2l]{padding:1rem}.impact-body[data-astro-cid-mrvj7y2l] p[data-astro-cid-mrvj7y2l]{margin:0;font-size:.85rem;color:var(--gray-600)}.seasons-grid[data-astro-cid-mrvj7y2l]{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin:1.5rem 0}.season-card[data-astro-cid-mrvj7y2l]{border-radius:8px;overflow:hidden}.season-name[data-astro-cid-mrvj7y2l]{padding:.6rem 1rem;font-weight:700;font-size:.9rem;color:#fff}.winter[data-astro-cid-mrvj7y2l] .season-name[data-astro-cid-mrvj7y2l]{background:#1565c0}.spring[data-astro-cid-mrvj7y2l] .season-name[data-astro-cid-mrvj7y2l]{background:#2e7d32}.summer[data-astro-cid-mrvj7y2l] .season-name[data-astro-cid-mrvj7y2l]{background:#e65100}.fall[data-astro-cid-mrvj7y2l] .season-name[data-astro-cid-mrvj7y2l]{background:#795548}.season-body[data-astro-cid-mrvj7y2l]{padding:1rem;border:1px solid var(--gray-200);border-top:none;border-radius:0 0 8px 8px}.season-body[data-astro-cid-mrvj7y2l] p[data-astro-cid-mrvj7y2l]{margin:0 0 .25rem;font-size:.85rem;color:var(--gray-600)}.season-body[data-astro-cid-mrvj7y2l] strong[data-astro-cid-mrvj7y2l]{font-size:.9rem}.tracking-grid[data-astro-cid-mrvj7y2l]{display:grid;grid-template-columns:1fr 1fr;gap:.75rem;margin:1.5rem 0}.track-item[data-astro-cid-mrvj7y2l]{background:var(--bg-light);padding:1rem;border-radius:8px;border:1px solid var(--gray-200)}.track-item[data-astro-cid-mrvj7y2l].highlight{background:var(--forest-deep, #0D2118);color:#fff;border-color:var(--gold, #DAA520)}.track-label[data-astro-cid-mrvj7y2l]{font-weight:700;font-size:.9rem;margin-bottom:.25rem}.track-item[data-astro-cid-mrvj7y2l].highlight .track-label[data-astro-cid-mrvj7y2l]{color:var(--gold, #DAA520)}.track-desc[data-astro-cid-mrvj7y2l]{font-size:.8rem;color:var(--gray-600)}.track-item[data-astro-cid-mrvj7y2l].highlight .track-desc[data-astro-cid-mrvj7y2l]{color:var(--gray-200)}.faq-section[data-astro-cid-mrvj7y2l]{border-top:2px solid var(--gray-200);padding-top:2rem}.faq-item[data-astro-cid-mrvj7y2l]{margin-bottom:1.5rem;padding-bottom:1.5rem;border-bottom:1px solid var(--gray-200)}.faq-item[data-astro-cid-mrvj7y2l]:last-child{border-bottom:none}.faq-item[data-astro-cid-mrvj7y2l] h3[data-astro-cid-mrvj7y2l]{margin:0 0 .5rem}.faq-item[data-astro-cid-mrvj7y2l] p[data-astro-cid-mrvj7y2l]{margin:0;font-size:.95rem;color:var(--gray-600)}@media (max-width: 768px){.stats-grid[data-astro-cid-mrvj7y2l]{grid-template-columns:repeat(2,1fr)}.types-grid[data-astro-cid-mrvj7y2l],.insurance-impacts[data-astro-cid-mrvj7y2l],.seasons-grid[data-astro-cid-mrvj7y2l],.tracking-grid[data-astro-cid-mrvj7y2l]{grid-template-columns:1fr}.compare-grid[data-astro-cid-mrvj7y2l]{flex-direction:column}.vs-badge[data-astro-cid-mrvj7y2l]{align-self:center}h1[data-astro-cid-mrvj7y2l]{font-size:1.8rem}}@media (max-width: 640px){.article-container[data-astro-cid-mrvj7y2l]{padding:0 1rem}.stats-grid[data-astro-cid-mrvj7y2l]{grid-template-columns:1fr 1fr}}