*{box-sizing:border-box}html{font-size:calc(16px * var(--font-scale,1));scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.67;-webkit-font-smoothing:antialiased}img{max-width:100%;height:auto}a{color:var(--accent2);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:var(--accent)}button,input,select,textarea{font:inherit}.shell{width:min(1180px,calc(100% - 32px));margin-inline:auto}.site-header{position:relative;z-index:40;background:var(--header);border-bottom:1px solid var(--line)}.header-row{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;flex:0 0 auto}.brand img{width:240px;height:auto;display:block}.main-nav{display:flex;align-items:center;gap:20px}.main-nav>a{font-size:.94rem;font-weight:700;text-decoration:none;color:var(--ink);white-space:nowrap}.main-nav>a:hover{color:var(--accent)}.site-search{display:flex;align-items:center;border:1px solid var(--line);border-radius:12px;overflow:hidden;background:#fff}.site-search input{border:0;outline:0;width:155px;padding:10px 11px;color:var(--ink);background:transparent}.site-search button{border:0;background:var(--accent2);color:#fff;padding:10px 12px;font-size:.82rem;font-weight:800;cursor:pointer}.menu-toggle{display:none;border:1px solid var(--line);background:#fff;color:var(--ink);border-radius:10px;padding:9px 12px;font-weight:800}.page-shell{padding-block:24px 72px}.breadcrumbs{display:flex;gap:8px;align-items:center;flex-wrap:wrap;color:var(--muted);font-size:.86rem;margin:4px 0 24px}.breadcrumbs a{text-decoration:none}.breadcrumbs>*+*::before{content:"/";margin-right:8px;color:#9ba9b7}.home-hero{padding:60px 0 10px}.home-hero>div>h1,.page-hero h1,.article-hero h1{font-size:clamp(2.35rem,5vw,4.9rem);line-height:1.03;letter-spacing:-.048em;max-width:1000px;margin:0 0 22px;color:#0a2342}.page-hero h1,.article-hero h1{font-size:clamp(2.2rem,4.7vw,4rem)}.hero-copy{max-width:900px}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.76rem;font-weight:900;color:var(--accent);margin:0 0 10px}.lead{font-size:clamp(1.08rem,2vw,1.35rem);color:#43566b;max-width:900px;margin:0 0 24px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin:26px 0 0}.button{display:inline-flex;align-items:center;justify-content:center;border-radius:12px;padding:12px 17px;background:var(--accent2);color:#fff;text-decoration:none;font-weight:850;border:1px solid transparent;box-shadow:0 8px 22px rgba(11,55,109,.12)}.button:hover{color:#fff;background:#0a2f5d}.button.primary{background:var(--accent);box-shadow:0 8px 22px rgba(10,165,120,.14)}.button.primary:hover{background:#078f68}.button.ghost{background:#fff;color:var(--accent2);border-color:var(--line);box-shadow:none}.button.small{font-size:.9rem;padding:10px 13px}.text-link{font-weight:850;text-decoration:none}.content-section,.budget-band,.cost-calculator,.article-body,.page-hero,.article-hero,.related{margin-top:42px}.content-section{padding:42px;background:var(--surface);border:1px solid var(--line);border-radius:24px;box-shadow:0 16px 50px rgba(13,43,77,.05)}.content-section h2,.budget-band h2,.article-body h2,.faq-section h2,.related h2{font-size:clamp(1.55rem,3vw,2.25rem);line-height:1.15;letter-spacing:-.025em;margin:0 0 18px}.content-section h3,.article-body h3{font-size:1.22rem;line-height:1.28;margin:28px 0 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.8fr;gap:28px}.trust-card,.side-card{background:#0c2e55;color:#fff;border-radius:18px;padding:24px}.trust-card strong{font-size:1.1rem}.trust-card ul,.side-card ul{margin:15px 0 0;padding-left:19px}.trust-card li,.side-card li{margin:6px 0}.side-card .eyebrow{color:#5ff0bf}.side-card h2{font-size:1.35rem}.side-card .button{margin-top:10px;background:#fff;color:#0c2e55}.category-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.category-grid a{display:flex;flex-direction:column;gap:8px;padding:22px;border:1px solid var(--line);border-radius:18px;text-decoration:none;background:linear-gradient(180deg,#fff,#f8fbfd);color:var(--ink);min-height:150px}.category-grid a span{font-size:1.12rem;font-weight:900}.category-grid a small{color:var(--muted);line-height:1.55}.budget-band{padding:34px 38px;background:#0b376d;color:#fff;border-radius:24px;display:grid;grid-template-columns:1fr 1.2fr;gap:26px;align-items:center}.budget-band .eyebrow{color:#71e7c4}.budget-band h2{margin-bottom:0}.budget-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}.budget-links a{color:#fff;text-decoration:none;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);padding:16px;border-radius:14px;display:flex;flex-direction:column;gap:4px}.budget-links span{font-size:.85rem;color:#d3e4f4}.cost-calculator{background:#fff;border:1px solid var(--line);border-radius:24px;padding:30px;box-shadow:0 18px 55px rgba(7,36,71,.06)}.cost-calculator.compact{margin-top:36px}.calc-head{display:flex;justify-content:space-between;gap:24px;align-items:start}.calc-head h2{margin:0 0 8px;font-size:1.7rem}.calc-head p{margin:0;color:var(--muted)}.currency-label{font-size:.82rem;font-weight:800;color:var(--muted)}.currency-label select{display:block;margin-top:5px;border:1px solid var(--line);border-radius:10px;padding:9px;background:#fff;color:var(--ink)}.calc-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px;margin-top:24px}.calc-grid label{font-size:.84rem;font-weight:800;color:#33485f}.calc-grid input,.calc-grid select{width:100%;margin-top:6px;border:1px solid #cfdbe5;border-radius:11px;padding:11px 12px;outline:0;background:#fff;color:var(--ink)}.calc-grid input:focus,.currency-label select:focus,.site-search input:focus{border-color:var(--accent);box-shadow:0 0 0 3px rgba(10,165,120,.12)}.money-input{display:grid;grid-template-columns:34px 1fr;margin-top:6px;border:1px solid #cfdbe5;border-radius:11px;overflow:hidden}.money-input b{display:flex;align-items:center;justify-content:center;background:#eef5f7;color:#42566e}.money-input input{border:0;border-radius:0;margin:0}.calc-result{margin-top:20px;padding:21px 22px;background:#eafaf4;border:1px solid #bdebdc;border-radius:16px;display:grid;grid-template-columns:1fr auto;gap:4px 20px;align-items:center}.calc-result span{font-weight:850;color:#2a5347}.calc-result strong{font-size:clamp(1.7rem,4vw,2.6rem);color:#087452}.calc-result small{grid-column:1/-1;color:#4e6f66}.calc-disclaimer{font-size:.83rem;color:var(--muted);margin:14px 0 0}.page-hero,.article-hero{padding:26px 0 8px;max-width:1020px}.byline{display:flex;gap:14px;flex-wrap:wrap;color:var(--muted);font-size:.86rem}.featured-image{margin:30px 0;border-radius:22px;overflow:hidden;background:#fff;border:1px solid var(--line)}.featured-image img{width:100%;display:block}.featured-image figcaption{padding:10px 14px;color:var(--muted);font-size:.85rem}.content-layout{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:34px;align-items:start;margin-top:30px}.article-body{margin-top:0;background:#fff;border:1px solid var(--line);border-radius:22px;padding:42px;min-width:0}.article-body.standalone{max-width:920px}.article-body p{margin:0 0 18px}.article-body ul,.article-body ol{padding-left:22px}.article-body li{margin:8px 0}.article-body h2{margin-top:38px}.article-body h2:first-child{margin-top:0}.article-sidebar{position:sticky;top:102px;display:grid;gap:18px}.numbered-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:24px 0}.numbered-cards article{border:1px solid var(--line);border-radius:16px;padding:20px;background:#f9fbfd}.numbered-cards article>b{color:var(--accent);font-size:.8rem;letter-spacing:.08em}.numbered-cards h3{margin-top:8px}.check-list{list-style:none;padding:0!important}.check-list li{position:relative;padding-left:28px}.check-list li::before{content:"✓";position:absolute;left:0;top:0;color:var(--accent);font-weight:900}.steps{counter-reset:item;list-style:none;padding:0!important}.steps li{margin:14px 0;padding:17px 18px;border-left:4px solid var(--accent);background:#f6fafb;border-radius:0 12px 12px 0}.source-box{margin-top:42px;padding:24px;border-top:3px solid var(--accent);background:#f7fbfa;border-radius:12px}.source-box h2{font-size:1.35rem}.source-box p{color:var(--muted)}.source-box li{overflow-wrap:anywhere}.faq-section{margin-top:42px}.faq-list{display:grid;gap:10px}.faq-list details{border:1px solid var(--line);border-radius:14px;background:#fff;padding:0 18px}.faq-list summary{cursor:pointer;font-weight:850;padding:16px 0}.faq-list p{color:var(--muted);padding:0 0 15px}.related{padding-top:34px;border-top:1px solid var(--line)}.guide-list article{padding:18px 0;border-bottom:1px solid var(--line)}.guide-list h3{margin:0 0 6px}.guide-list h3 a{text-decoration:none;color:var(--ink)}.guide-list p{margin:0;color:var(--muted)}.stat-strip{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:24px 0}.stat-strip div{background:#eef8f5;border:1px solid #cfeade;border-radius:15px;padding:18px}.stat-strip b{display:block;color:#076b50;font-size:1.5rem}.stat-strip span{display:block;color:#48635b;font-size:.86rem}.source-inline{font-size:.82rem;color:var(--muted)}.ad-zone{margin:26px auto;text-align:center;min-height:90px;overflow:hidden}.ad-label{display:block;font-size:.68rem;color:#8c99a8;text-transform:uppercase;letter-spacing:.08em;margin-bottom:5px}.not-found{text-align:center;padding:80px 0}.not-found>span{font-size:5rem;font-weight:950;color:#dce7ef}.not-found h1{font-size:2.5rem;margin:0}.search-results{display:grid;gap:16px}.search-results article{background:#fff;border:1px solid var(--line);padding:22px;border-radius:16px}.search-results h2{margin:0 0 8px;font-size:1.25rem}.site-footer{background:var(--footer);color:#d7e3ef;padding:54px 0 22px;margin-top:60px}.footer-grid{display:grid;grid-template-columns:1.5fr .8fr .8fr;gap:42px}.footer-logo{width:250px;filter:brightness(0) invert(1);opacity:.96}.site-footer h2{font-size:1rem;color:#fff;margin:0 0 14px}.site-footer p{color:#adc0d1}.footer-links{display:flex;flex-direction:column;gap:9px}.footer-links a{color:#d7e3ef;text-decoration:none}.footer-links a:hover{color:#fff}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:18px;font-size:.82rem}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
@media(max-width:980px){.menu-toggle{display:block}.main-nav{display:none;position:absolute;left:16px;right:16px;top:70px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px;box-shadow:0 20px 55px rgba(7,36,71,.15);flex-direction:column;align-items:stretch}.main-nav.open{display:flex}.site-search{width:100%}.site-search input{width:100%}.content-layout{grid-template-columns:1fr}.article-sidebar{position:static;grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr}.feature-grid,.guide-grid,.category-grid,.country-grid,.de-link-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.budget-band{grid-template-columns:1fr}.footer-grid{grid-template-columns:1.3fr 1fr 1fr}}
@media(max-width:680px){.shell{width:min(100% - 22px,1180px)}.header-row{min-height:66px}.brand img{width:205px}.home-hero{padding-top:36px}.home-hero>div>h1,.page-hero h1,.article-hero h1{font-size:clamp(2.15rem,11vw,3.25rem)}.content-section,.cost-calculator,.article-body{padding:24px 19px;border-radius:18px}.feature-grid,.guide-grid,.category-grid,.country-grid,.de-link-grid,.calc-grid,.numbered-cards,.stat-strip{grid-template-columns:1fr}.calc-head{display:block}.currency-label{display:inline-block;margin-top:14px}.calc-result{grid-template-columns:1fr}.calc-result strong{margin-top:3px}.budget-band{padding:26px 20px}.budget-links{grid-template-columns:1fr}.article-sidebar{grid-template-columns:1fr}.section-head{display:block}.footer-grid{grid-template-columns:1fr}.footer-logo{width:225px}.page-shell{padding-bottom:46px}.byline{display:grid;gap:4px}.content-section,.budget-band,.cost-calculator,.article-body,.page-hero,.article-hero,.related{margin-top:28px}}
.team-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin-top:20px}.team-card{display:flex;align-items:center;gap:18px;padding:18px;border:1px solid var(--line);border-radius:18px;background:#fff}.team-card img{width:96px;height:96px;object-fit:cover;border-radius:50%}.team-card h3,.team-card p{margin:0}.team-card p{color:var(--muted)}.site-credits{font-size:.86rem}.site-credits a{color:#fff}@media(max-width:620px){.team-grid{grid-template-columns:1fr}}/* 2026 editorial layout: keep boxes for functional tools, flatten editorial content */
body{background:#fff}.content-section{padding:38px 0;background:transparent;border:0;border-radius:0;box-shadow:none;border-top:1px solid var(--line)}.content-section:first-of-type{border-top:0}.feature-grid,.guide-grid,.category-grid,.country-grid,.de-link-grid{gap:0;border-top:1px solid var(--line)}.feature-grid article,.guide-grid article,.country-grid a,.de-link-grid a,.category-grid a{background:transparent;border:0;border-bottom:1px solid var(--line);border-radius:0;padding:24px 18px 24px 0;min-height:0}.feature-grid article:nth-child(3n+2),.guide-grid article:nth-child(3n+2),.country-grid a:nth-child(3n+2),.de-link-grid a:nth-child(3n+2),.category-grid a:nth-child(3n+2){padding-left:18px}.feature-grid article:nth-child(3n),.guide-grid article:nth-child(3n),.country-grid a:nth-child(3n),.de-link-grid a:nth-child(3n),.category-grid a:nth-child(3n){padding-left:18px}.trust-card,.side-card{background:transparent;color:var(--ink);border:0;border-left:3px solid var(--accent);border-radius:0;padding:4px 0 4px 20px}.side-card .eyebrow{color:var(--accent)}.side-card .button{background:var(--accent2);color:#fff}.budget-band{background:transparent;color:var(--ink);border-radius:0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:34px 0}.budget-band .eyebrow{color:var(--accent)}.budget-links{gap:0}.budget-links a{color:var(--ink);background:transparent;border:0;border-left:1px solid var(--line);border-radius:0;padding:10px 18px}.budget-links a:first-child{border-left:0}.budget-links span{color:var(--muted)}.article-body{background:transparent;border:0;border-radius:0;padding:0}.article-body.standalone{max-width:920px}.featured-image{border:0;border-radius:0;background:transparent}.numbered-cards{gap:0;border-top:1px solid var(--line)}.numbered-cards article{border:0;border-bottom:1px solid var(--line);border-radius:0;padding:22px 22px 22px 0;background:transparent}.numbered-cards article:nth-child(even){padding-left:22px}.steps li{background:transparent;border-radius:0;border-left:3px solid var(--accent);padding:8px 0 8px 18px}.source-box{background:transparent;border-radius:0;border-top:1px solid var(--line);padding:28px 0 0}.faq-list{gap:0;border-top:1px solid var(--line)}.faq-list details{border:0;border-bottom:1px solid var(--line);border-radius:0;background:transparent;padding:0}.search-results{gap:0}.search-results article{background:transparent;border:0;border-bottom:1px solid var(--line);padding:22px 0;border-radius:0}.stat-strip{gap:0;border-top:1px solid var(--line)}.stat-strip div{background:transparent;border:0;border-bottom:1px solid var(--line);border-radius:0;padding:18px 18px 18px 0}.team-grid{gap:26px}.team-card{border:0;border-radius:0;background:transparent;padding:0}.article-sidebar{position:static}.related .guide-grid{border-top:1px solid var(--line)}.site-footer{margin-top:80px}.prose-note{border-left:3px solid var(--accent);padding-left:18px}.cost-calculator,.calc-result,.money-input,.calc-grid input,.calc-grid select,.currency-label select{border-radius:10px}.cost-calculator{border-radius:18px}
@media(max-width:980px){.main-nav{border-radius:10px}.feature-grid article,.guide-grid article,.country-grid a,.de-link-grid a,.category-grid a{padding-left:0!important}.budget-links a{border-left:0;border-top:1px solid var(--line);padding-left:0}.budget-links a:first-child{border-top:0}.numbered-cards article,.numbered-cards article:nth-child(even){padding-left:0}.article-sidebar{grid-template-columns:1fr}}
@media(max-width:680px){.content-section,.article-body{padding:24px 0;border-radius:0}.budget-band{padding:26px 0}.team-card{align-items:flex-start}.team-card img{width:82px;height:82px}.cost-calculator{padding:22px 16px}}

/* Decision tools: intentionally varied from article/card layouts */
.decision-tool{margin:34px 0;padding:28px 0;border-top:2px solid var(--accent2);border-bottom:1px solid var(--line)}
.decision-tool-copy{max-width:760px}.decision-tool-copy h2{margin:0 0 10px}.decision-tool-copy p:last-child{color:var(--muted)}
.decision-tool-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px 22px;margin-top:22px;max-width:820px}
.decision-tool-fields label{font-size:.86rem;font-weight:800;color:#33485f}.decision-tool-fields input,.decision-tool-fields select{width:100%;margin-top:6px;border:1px solid #cfdbe5;padding:11px 12px;background:#fff;color:var(--ink);border-radius:8px;outline:0}
.decision-tool-fields input:focus,.decision-tool-fields select:focus{border-color:var(--accent);box-shadow:0 0 0 3px rgba(10,165,120,.12)}
.decision-tool .money-input{margin-top:6px}.decision-tool .money-input input{margin-top:0;border:0;border-radius:0}
.decision-tool-result{display:flex;align-items:baseline;gap:12px 20px;flex-wrap:wrap;margin-top:24px;padding-top:18px;border-top:1px solid var(--line)}
.decision-tool-result span{font-weight:850}.decision-tool-result strong{font-size:clamp(1.65rem,4vw,2.45rem);color:var(--accent2)}.decision-tool-result small{flex-basis:100%;color:var(--muted)}
.royalty-tool{border-top-color:var(--accent)}.runway-tool{border-top-color:#0b376d}.loan-tool{border-top-style:dashed}
.editorial-side,.category-side{margin-bottom:8px}.category-side .text-link{display:inline-block;margin-top:12px}
@media(max-width:680px){.decision-tool{padding:24px 0}.decision-tool-fields{grid-template-columns:1fr}.decision-tool-result{display:grid;gap:4px}.decision-tool-result strong{margin-top:2px}}