:root{--paper:#faf8f2;--ink:#213f34;--green:#244e3d;--muted:#607166;--line:#d9dfd3;--sage:#e6ebdf;--lime:#e0e9ad;--orange:#b7653e}*{box-sizing:border-box}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.65 Arial,Helvetica,sans-serif}a{color:inherit;text-decoration-thickness:1px;text-underline-offset:5px}button,input{font:inherit}button,a,input,summary{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #af602e;outline-offset:5px}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-weight:400;line-height:1.1;letter-spacing:-.04em}h1,h2{font-family:Georgia,'Times New Roman',serif}h1{font-size:clamp(46px,5.4vw,78px);margin-bottom:27px}h2{font-size:clamp(34px,3.4vw,48px);margin-bottom:24px}h3{font-size:25px;line-height:1.25;letter-spacing:-.035em}p{margin-bottom:20px}header{border-bottom:1px solid var(--line);background:var(--paper)}.wrap,.header-inner,footer{width:min(1200px,calc(100% - 100px));margin:auto}.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:100px;gap:35px}.brand{display:inline-flex;gap:11px;align-items:center;text-decoration:none;line-height:1;font-size:31px;font-family:Georgia,serif;letter-spacing:-1.5px;white-space:nowrap}.brand-small{display:block;font:9px Arial;letter-spacing:4px;margin-top:7px}.nav{display:flex;align-items:center;gap:27px;font-size:13px}.nav>a{text-decoration:none}.nav a[aria-current]{text-decoration:underline}.button{display:inline-flex;align-items:center;justify-content:center;gap:22px;background:var(--green);color:white;padding:15px 22px;border-radius:5px;text-decoration:none;border:1px solid var(--green);font-size:14px;font-weight:600;cursor:pointer;line-height:1.4}.button:hover{background:#35654e}.button.small{padding:12px 19px;font-size:12px}.button.light{background:var(--lime);color:var(--green);border-color:var(--lime)}.menu{display:none}.skip{position:absolute;top:-80px;background:white;padding:14px;z-index:20}.skip:focus{top:0}.hero{padding-top:76px;padding-bottom:74px;display:grid;grid-template-columns:1.18fr 1fr;gap:65px;align-items:center}.hero h1 em{font-weight:400;color:#6a7c50}.eyebrow{font-size:10px;font-weight:700;letter-spacing:2px;line-height:1.5;margin-bottom:24px;text-transform:uppercase}.dot{display:inline-block;width:7px;height:7px;border-radius:50%;background:#80954d;margin-right:8px}.lede{font-size:18px;color:#56685c;line-height:1.7;max-width:590px}.actions{display:flex;align-items:center;gap:25px;margin:31px 0 23px}.text-link{font-size:13px;font-weight:600;text-decoration:none;display:inline-block}.text-link:hover{text-decoration:underline}.quiet{font-size:12px;color:var(--muted);line-height:1.65}.trust-strip{display:flex;justify-content:center;gap:80px;padding:21px 30px;border-block:1px solid var(--line);font-size:11px;color:#60715e}.trust-strip span:before{content:'✳';margin-right:13px;color:#7f915e}.section{padding-top:80px;padding-bottom:80px}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:40px;margin-bottom:35px}.section-heading h2{margin-bottom:0}.section-heading p:not(.eyebrow){font-size:14px;color:var(--muted);margin:0}.section-heading .eyebrow{margin-bottom:16px}.path-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0}.path-grid>a{padding:28px 34px 10px 0;text-decoration:none}.path-grid>a+a{padding-left:34px;border-left:1px solid var(--line)}.number{font:italic 29px Georgia;color:#879374;display:block;margin-bottom:30px}.path-grid h3{font-family:Georgia;font-size:27px}.path-grid p{font-size:14px;color:#59695d;line-height:1.8}.path-grid .text-link{margin-top:12px}.calculator-tease{display:grid;grid-template-columns:1.15fr 1fr;background:var(--green);color:var(--paper);border-radius:8px;padding:55px 60px;gap:100px}.calculator-tease h2{font-size:45px}.calculator-tease p{font-size:14px;color:#d9e2d2;max-width:480px}.calculator-tease .eyebrow{color:var(--lime);font-size:10px}.mini{font-size:10px!important;margin:18px 0 0}.example{padding:35px 0 0;border-left:1px solid #51725e;padding-left:60px}.example>span{font-size:10px;letter-spacing:2px;color:#d8e3bc}.example strong{display:block;font:57px Georgia;letter-spacing:-2px;margin:14px 0 9px}.example p{font-size:13px}.example a{font-size:12px}.coins{height:70px;display:flex;align-items:end;gap:12px;margin:12px 0 24px}.coins i{display:block;background:repeating-linear-gradient(to top,#a9ba78 0px,#a9ba78 6px,#355640 6px,#355640 8px);height:15px;width:45px;border-radius:8px 8px 3px 3px}.coins i:nth-child(2){height:25px}.coins i:nth-child(3){height:39px}.coins i:nth-child(4){height:52px}.coins i:nth-child(5){height:68px}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.guide-grid.two{grid-template-columns:repeat(2,1fr)}.guide-card{border:1px solid var(--line);background:#fffefa;padding:29px;display:flex;flex-direction:column;text-decoration:none;min-height:310px;border-radius:5px;transition:transform .18s,border-color .18s}.guide-card:hover{transform:translateY(-4px);border-color:#79906c}.guide-card .eyebrow{color:#73815c;font-size:9px;letter-spacing:1.6px;margin-bottom:25px}.guide-card h3{font:29px/1.2 Georgia;letter-spacing:-.8px}.guide-card p{font-size:13px;line-height:1.8;color:#657165}.card-end{border-top:1px solid var(--line);padding-top:17px;margin-top:auto;display:flex;justify-content:space-between;font-size:11px}.card-end b{font-size:20px;font-weight:400;line-height:1}.approach{text-align:center;padding:60px 80px 90px;max-width:900px}.approach p:not(.eyebrow){color:var(--muted);font-size:17px}.approach h2{font-size:46px}.footer-top{display:grid;grid-template-columns:1fr 1.4fr 1.2fr 1fr;gap:35px;padding:45px 0;border-top:1px solid var(--line);align-items:start}.footer-top p{font:17px/1.6 Georgia}.footer-top>div{display:flex;flex-direction:column;gap:9px;font-size:11px}.footer-top a{text-decoration:none}.footer-bottom{border-top:1px solid var(--line);display:flex;justify-content:space-between;gap:55px;padding:23px 0 35px;color:var(--muted);font-size:10px}.footer-bottom p{max-width:810px;margin:0}.footer-bottom span{white-space:nowrap}.page-intro{padding:65px 0 45px}.page-intro h1{max-width:950px;font-size:clamp(42px,5vw,66px)}.page-intro .lede{max-width:720px}.top-small{padding-top:20px}.search-label{font-size:13px;display:block;margin-bottom:8px}.search{width:min(600px,100%);padding:15px 20px;border:1px solid var(--line);background:#fffefa;border-radius:5px}.filters{display:flex;flex-wrap:wrap;gap:9px;margin:24px 0}.filters button{padding:8px 15px;font-size:12px;border-radius:30px;background:transparent;border:1px solid var(--line);cursor:pointer;color:var(--ink)}.filters button[aria-pressed=true]{background:var(--green);border-color:var(--green);color:white}[hidden]{display:none!important}.breadcrumb{padding-top:35px;font-size:12px;display:flex;gap:12px;color:var(--muted)}.breadcrumb+.page-intro{padding-top:25px}.article-layout{display:grid;grid-template-columns:250px 1fr;gap:85px;padding-bottom:50px}.article-layout aside{font-size:13px;position:sticky;top:30px;align-self:start;display:flex;flex-direction:column;gap:14px}.article-layout aside .eyebrow{margin-bottom:4px}.article-layout aside>a{text-decoration:none;border-bottom:1px solid var(--line);padding-bottom:12px}.aside-tool{background:var(--sage);padding:20px;margin-top:20px}.aside-tool small{display:block;margin-top:9px;font-size:11px}.article-layout article{max-width:740px}.article-meta{font-size:11px;color:var(--muted);border-block:1px solid var(--line);padding:14px 0;margin-bottom:40px}.article-layout article section{margin-bottom:40px;scroll-margin-top:30px}article h2{font-size:32px;line-height:1.2;letter-spacing:-.7px;margin-top:35px;margin-bottom:17px}article p{line-height:1.9;color:#4d5d52}.note{background:var(--sage);border-left:3px solid #87945d;padding:27px 30px;margin:35px 0}.note h2{font-size:32px}.note p:last-child{margin-bottom:0}.sources{font-size:13px;border-top:1px solid var(--line);padding-top:15px}.sources li{margin-bottom:10px}.sources h2{font-size:26px}.narrow{max-width:800px}.table-scroll{overflow-x:auto}table{border-collapse:collapse;width:100%;font-size:14px;text-align:left}caption{text-align:left;font-size:12px;color:var(--muted);padding:0 0 15px}td,th{padding:20px;border-bottom:1px solid var(--line);vertical-align:top;min-width:150px}thead{background:var(--green);color:white}tbody th{font-weight:600}tbody tr:nth-child(even){background:#efefe5}.calc-layout{display:grid;grid-template-columns:320px 1fr;gap:45px;align-items:start;padding-bottom:50px}#calculator{background:var(--sage);border:1px solid var(--line);padding:28px;border-radius:7px}#calculator h2{font:24px Georgia}#calculator label{display:block;font-size:12px;margin-bottom:18px}#calculator input{display:block;width:100%;border:1px solid #bfcab8;border-radius:4px;padding:10px 13px;background:#fffefa;margin-top:6px;color:var(--ink);font-size:17px}#calculator small{color:var(--muted);font-size:10px}#calculator .button{width:100%}.plain-button{background:transparent;border:0;text-decoration:underline;color:var(--ink);cursor:pointer;display:block;padding:15px 0 0;font-size:12px}.calc-results{padding:28px 25px}.result-title{margin-bottom:0;font-size:14px}.big-result{font:68px Georgia;letter-spacing:-3px;display:block;margin-bottom:26px}.result-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;border-block:1px solid var(--line);padding:20px 0}.result-grid span{display:block;font-size:11px;color:var(--muted)}.result-grid strong{font:25px Georgia;display:block;margin-top:5px}.chart{display:block;width:100%;margin-top:35px;overflow:visible}.chart .gridline{stroke:var(--line);fill:none}.chart .area{fill:#e2ead5}.chart .total{fill:none;stroke:var(--green);stroke-width:3}.chart .paid{fill:none;stroke:var(--orange);stroke-width:2;stroke-dasharray:6 5}.chart text{fill:var(--muted);font:12px Arial}.legend{display:flex;gap:25px;font-size:11px}.legend span:nth-child(2){color:var(--orange)}details{border-bottom:1px solid var(--line);padding:20px 0}summary{cursor:pointer;font-size:17px;font-family:Georgia;line-height:1.5}details p{padding:15px 0 0;font-size:15px;color:#526457}details table{margin-top:15px}.contact-email{font-size:clamp(18px,3vw,28px)}#calc-error{font-size:12px;color:#a13e29}
@media(max-width:1000px){.wrap,.header-inner,footer{width:calc(100% - 48px)}.nav{gap:16px;font-size:11px}.hero{gap:35px}.hero h1{font-size:58px}.actions{align-items:start;flex-direction:column;gap:18px}.trust-strip{gap:25px}.calculator-tease{padding:45px;gap:45px}.example{padding-left:35px}.guide-card{padding:22px}.article-layout{gap:40px;grid-template-columns:210px 1fr}.calc-layout{gap:15px;grid-template-columns:290px 1fr}.result-grid{gap:9px}.result-grid strong{font-size:21px}.footer-top{grid-template-columns:1fr 1fr}}
@media(max-width:720px){.header-inner{min-height:80px}.brand{font-size:28px}.menu{display:block;background:none;border:1px solid var(--line);padding:8px 14px;color:var(--ink);border-radius:4px;font-size:12px}.nav{display:none;position:absolute;left:0;right:0;top:80px;background:var(--paper);padding:25px;z-index:20;border-bottom:1px solid var(--line)}.nav.open{display:flex;align-items:stretch;flex-direction:column;font-size:15px;gap:20px}.hero{grid-template-columns:1fr;padding-top:45px;padding-bottom:40px;gap:30px}.hero h1{font-size:55px}.hero .lede{font-size:16px}.hero .actions{flex-direction:row;flex-wrap:wrap;align-items:center;gap:21px}.trust-strip{display:grid;grid-template-columns:1fr 1fr;gap:15px;font-size:10px;padding:20px 24px}.section{padding-block:50px}.section-heading{display:block;margin-bottom:25px}.section-heading>p,.section-heading>a{margin-top:20px!important}.path-grid{grid-template-columns:1fr}.path-grid>a,.path-grid>a+a{padding:23px 0;border-left:0;border-bottom:1px solid var(--line)}.path-grid .number{margin-bottom:12px}.path-grid h3{font-size:27px}.calculator-tease{grid-template-columns:1fr;gap:30px;padding:30px}.calculator-tease h2{font-size:37px}.example{border-left:0;border-top:1px solid #51725e;padding:25px 0 0}.guide-grid,.guide-grid.two{grid-template-columns:1fr}.guide-card{min-height:250px}.guide-card h3{font-size:30px}.approach{padding:35px 0 55px}.approach h2{font-size:39px}.footer-top{gap:25px;padding:35px 0}.footer-top p{font-size:15px}.footer-bottom{display:block}.footer-bottom span{display:block;margin-top:18px}.page-intro{padding-top:42px}.page-intro h1{font-size:44px}.article-layout{display:block}.article-layout aside{position:static;margin-bottom:35px}.article-layout aside .aside-tool{display:none}.article-layout article{width:100%}.article-layout aside>a{padding-bottom:7px}.article-layout aside{gap:9px}.article-meta{font-size:10px}.calc-layout{display:block}.calc-results{padding:35px 0 0}.big-result{font-size:61px}.result-grid strong{font-size:23px}.calc-layout form{display:grid;grid-template-columns:1fr 1fr;gap:0 18px}.calc-layout form h2,.calc-layout form #calc-error,.calc-layout form button{grid-column:1/-1}.note{padding:24px}.top-small{padding-top:10px}.eyebrow{font-size:9px}.narrow{width:calc(100% - 48px)}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}@media print{header,footer,aside,.menu,.actions{display:none!important}body{background:white}main,.wrap{width:100%;margin:0}.article-layout{display:block}.page-intro{padding:0}details{break-inside:avoid}}

/* Photography-led identity, October 2026 */
:root{--paper:#fbf7ef;--ink:#343e30;--green:#46553d;--muted:#69705e;--line:#e2dfd1;--sage:#eeeee2;--lime:#ede1c7;--orange:#a2593c}
.brand{font-size:35px;letter-spacing:-1.5px}.brand-small{font-size:9px;letter-spacing:4.5px;margin-top:9px}
.hero{grid-template-columns:1.07fr 1fr;gap:55px;padding-top:58px;padding-bottom:60px}.hero h1{font-size:clamp(48px,5.1vw,74px)}.hero h1 em{color:#a2593c}.dot{background:#a2593c}.button:hover{background:#59694c}.button.light:hover{background:#f5e9cf}.lifestyle-photo{width:100%;height:auto;display:block;object-fit:cover;background:#e8dfd0}.hero-photo{margin:0;position:relative}.home-photo{aspect-ratio:0.95;height:auto;object-position:50% 50%;border-radius:4px 70px 4px 4px}.hero-photo figcaption{font:italic 17px Georgia;margin-top:15px;color:#74725e;text-align:right}.hero .lede{max-width:550px}.trust-strip span:before{color:#a2593c}
.guide-card{overflow:hidden;padding:0 27px 25px}.card-photo{width:calc(100% + 54px);max-width:none;margin:0 -27px 26px;aspect-ratio:1.6;height:auto;object-position:center}.guide-card:hover{border-color:#a8aa8b}.guide-card .eyebrow{color:#86583d}.card-end{margin-top:auto}.guide-card p{margin-bottom:25px}.number{color:#a2593c}.calculator-tease{background:#46553d}.calculator-tease .eyebrow{color:#ebd7b6}.approach{max-width:1200px;display:grid;grid-template-columns:1fr 1fr;gap:65px;text-align:left;padding:15px 0 85px;align-items:center}.approach-photo{aspect-ratio:1.35;border-radius:4px;object-position:50% 45%}.approach h2{font-size:44px}.approach p:not(.eyebrow){font-size:16px}
.photo-intro{display:grid;grid-template-columns:1.3fr 1fr;gap:60px;align-items:center;padding-block:55px}.photo-intro h1{font-size:clamp(40px,4vw,58px)}.photo-intro .lede{font-size:17px;margin-bottom:0}.photo-intro figure{margin:0}.intro-photo{aspect-ratio:1.32;object-position:50% 45%;border-radius:4px}.breadcrumb+.page-intro{padding-top:30px}.chart .area{fill:#e9e9db}.chart .paid{stroke:#a2593c}.calc-results .big-result{color:#46553d}
@media(max-width:1000px){.hero{gap:30px}.hero h1{font-size:56px}.photo-intro{gap:30px}.photo-intro h1{font-size:44px}.intro-photo{aspect-ratio:1}.approach{gap:35px}.guide-card{padding:0 22px 22px}.card-photo{width:calc(100% + 44px);margin-inline:-22px}.home-photo{aspect-ratio:.78}}
@media(max-width:720px){.hero{grid-template-columns:1fr;gap:25px;padding-block:35px}.hero h1{font-size:52px}.home-photo{aspect-ratio:1.2;border-radius:4px 45px 4px 4px;object-position:center 55%}.hero-photo figcaption{font-size:15px;margin-top:10px}.hero .lede{font-size:16px}.brand{font-size:31px}.brand-small{font-size:8px}.photo-intro{grid-template-columns:1fr;gap:25px;padding-block:35px}.photo-intro h1{font-size:42px}.intro-photo{aspect-ratio:1.6;object-position:center 42%}.guide-card{min-height:0}.card-photo{aspect-ratio:1.65}.approach{grid-template-columns:1fr;gap:27px;padding-bottom:50px}.approach-photo{aspect-ratio:1.4}.approach h2{font-size:39px}.guide-card h3{font-size:28px}}
@media print{.lifestyle-photo,.hero-photo{display:none}.photo-intro{display:block}}
/* Provider comparison: clear facts, independent of commercial status. */
.comparison-intro{max-width:920px;margin-bottom:32px}.risk-inline{font-size:14px;color:var(--muted);border-left:3px solid var(--orange);padding-left:16px}.comparison-controls{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;padding:24px;background:var(--sage);border-radius:8px}.comparison-controls label{font-size:13px;font-weight:600;display:grid;gap:9px}.comparison-controls select,.comparison-controls input{width:100%;min-width:0;padding:12px;border:1px solid var(--line);border-radius:4px;background:white;font:inherit;color:var(--ink)}.provider-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}.provider-card{background:#fffdf8;border:1px solid var(--line);border-radius:8px;padding:28px;min-width:0}.provider-card h2{font-size:32px;margin:16px 0 6px}.provider-top{display:flex;gap:12px;justify-content:space-between;align-items:start}.provider-top .eyebrow{font-size:10px;max-width:65%;margin:0}.shortlist-check{display:flex;gap:7px;align-items:center;white-space:nowrap;font-size:13px;cursor:pointer}.shortlist-check input{width:18px;height:18px;accent-color:var(--green)}.provider-style{font-size:14px;color:var(--muted);margin:0 0 20px}.provider-highlight{background:var(--sage);padding:18px;border-radius:5px}.provider-highlight span{display:block;font-size:12px;margin-bottom:8px}.provider-highlight strong{display:block;font-size:18px;line-height:1.5;font-weight:600}.provider-facts{margin:18px 0}.provider-facts div{display:grid;grid-template-columns:135px 1fr;gap:14px;border-bottom:1px solid var(--line);padding:12px 0;font-size:14px}.provider-facts dt{font-weight:600}.provider-facts dd{margin:0;line-height:1.6}.provider-card details{margin:16px 0}.provider-card summary{font-size:14px}.provider-card small{font-size:12px;color:var(--muted)}.provider-link{display:inline-block;margin-top:12px;font-weight:600}.no-commission{display:block;margin-top:5px}.freshness{font-size:12px;color:var(--muted)}.freshness.overdue{color:#914e30;font-weight:600}.source-links{font-size:12px;overflow-wrap:anywhere}.shortlist-panel{background:var(--sage);padding:24px;border-radius:8px;margin:22px 0 32px}.shortlist-heading{display:flex;justify-content:space-between;align-items:center;gap:16px}.shortlist-heading h2{font-size:28px;margin:0}.shortlist-heading button{background:white;color:var(--green);border:1px solid var(--line);padding:10px;font:inherit;cursor:pointer}.shortlist-table{background:var(--paper);min-width:650px}.shortlist-table caption{text-align:left;padding:16px 0;font-size:13px}.shortlist-table th,.shortlist-table td{min-width:165px;max-width:300px;white-space:normal;font-size:14px;vertical-align:top}.shortlist-table th:first-child{min-width:125px}.shortlist-table tbody th{font-weight:600}.shortlist-panel p{font-size:13px}.comparison-controls[hidden],.shortlist-panel[hidden]{display:none}
@media(max-width:900px){.comparison-controls{grid-template-columns:1fr 1fr}.provider-card{padding:22px}}
@media(max-width:640px){.provider-grid{grid-template-columns:1fr}.comparison-controls{grid-template-columns:1fr;padding:18px}.provider-facts div{grid-template-columns:1fr;gap:5px}.provider-card h2{font-size:29px}.shortlist-heading{align-items:start}.shortlist-panel{padding:16px}.shortlist-heading h2{font-size:24px}}