[data-astro-cid-rocwwtoi]{box-sizing:border-box;margin:0;padding:0}body{font-family:-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;color:#1a1a2e;line-height:1.7;background:#f8f9fa}nav[data-astro-cid-rocwwtoi]{background:#1a1a2e;padding:1rem 2rem}nav[data-astro-cid-rocwwtoi] a[data-astro-cid-rocwwtoi]{color:#fff;text-decoration:none;font-weight:600;font-size:1.1rem}nav[data-astro-cid-rocwwtoi] a[data-astro-cid-rocwwtoi] span[data-astro-cid-rocwwtoi]{color:#4ade80}.container[data-astro-cid-rocwwtoi]{max-width:820px;margin:0 auto;padding:2rem 1.5rem}h1[data-astro-cid-rocwwtoi]{font-size:2rem;font-weight:800;color:#1a1a2e;line-height:1.3;margin-bottom:1rem}.meta[data-astro-cid-rocwwtoi]{color:#666;font-size:.9rem;margin-bottom:2rem}.intro[data-astro-cid-rocwwtoi]{font-size:1.15rem;color:#444;background:#fff;padding:1.5rem;border-radius:12px;border-left:4px solid #3b82f6;margin-bottom:2rem}h2[data-astro-cid-rocwwtoi]{font-size:1.5rem;font-weight:700;color:#1a1a2e;margin:2.5rem 0 1rem}h3[data-astro-cid-rocwwtoi]{font-size:1.15rem;font-weight:700;color:#1a1a2e;margin:1.5rem 0 .75rem}p[data-astro-cid-rocwwtoi]{margin-bottom:1rem;color:#444}.comparison-table[data-astro-cid-rocwwtoi]{width:100%;border-collapse:collapse;margin:1.5rem 0;background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 2px 8px #00000014}.comparison-table[data-astro-cid-rocwwtoi] th[data-astro-cid-rocwwtoi]{background:#1a1a2e;color:#fff;padding:.875rem 1rem;text-align:left;font-size:.9rem}.comparison-table[data-astro-cid-rocwwtoi] td[data-astro-cid-rocwwtoi]{padding:.875rem 1rem;border-bottom:1px solid #f0f0f0;font-size:.9rem;color:#444}.comparison-table[data-astro-cid-rocwwtoi] tr[data-astro-cid-rocwwtoi]:last-child td[data-astro-cid-rocwwtoi]{border-bottom:none}.comparison-table[data-astro-cid-rocwwtoi] tr[data-astro-cid-rocwwtoi]:nth-child(2n) td[data-astro-cid-rocwwtoi]{background:#f8f9fa}.better-consolidation[data-astro-cid-rocwwtoi]{color:#16a34a;font-weight:600}.better-settlement[data-astro-cid-rocwwtoi]{color:#2563eb;font-weight:600}.equal[data-astro-cid-rocwwtoi]{color:#666}.decision-grid[data-astro-cid-rocwwtoi]{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;margin:1.5rem 0}@media (max-width: 600px){.decision-grid[data-astro-cid-rocwwtoi]{grid-template-columns:1fr}}.decision-card[data-astro-cid-rocwwtoi]{background:#fff;border-radius:12px;padding:1.5rem;box-shadow:0 2px 8px #0000000f}.decision-card[data-astro-cid-rocwwtoi].consolidation{border-top:4px solid #3b82f6}.decision-card[data-astro-cid-rocwwtoi].settlement{border-top:4px solid #f59e0b}.decision-card[data-astro-cid-rocwwtoi] h3[data-astro-cid-rocwwtoi]{margin-top:0}.decision-card[data-astro-cid-rocwwtoi] ul[data-astro-cid-rocwwtoi]{list-style:none;padding:0}.decision-card[data-astro-cid-rocwwtoi] ul[data-astro-cid-rocwwtoi] li[data-astro-cid-rocwwtoi]{padding:.4rem 0 .4rem 1.5rem;position:relative;font-size:.9rem;color:#444}.decision-card[data-astro-cid-rocwwtoi] ul[data-astro-cid-rocwwtoi] li[data-astro-cid-rocwwtoi]:before{content:"✓";position:absolute;left:0;color:#16a34a;font-weight:700}.warning-box[data-astro-cid-rocwwtoi]{background:#fef3c7;border:1px solid #f59e0b;border-radius:12px;padding:1.25rem 1.5rem;margin:1.5rem 0}.warning-box[data-astro-cid-rocwwtoi] strong[data-astro-cid-rocwwtoi]{color:#92400e}.info-box[data-astro-cid-rocwwtoi]{background:#eff6ff;border:1px solid #3b82f6;border-radius:12px;padding:1.25rem 1.5rem;margin:1.5rem 0}.info-box[data-astro-cid-rocwwtoi] strong[data-astro-cid-rocwwtoi]{color:#1e40af}.success-box[data-astro-cid-rocwwtoi]{background:#f0fdf4;border:1px solid #22c55e;border-radius:12px;padding:1.25rem 1.5rem;margin:1.5rem 0}.success-box[data-astro-cid-rocwwtoi] strong[data-astro-cid-rocwwtoi]{color:#166534}.step-list[data-astro-cid-rocwwtoi]{counter-reset:steps;list-style:none;padding:0}.step-list[data-astro-cid-rocwwtoi] li[data-astro-cid-rocwwtoi]{counter-increment:steps;padding:1rem 1rem 1rem 3.5rem;position:relative;background:#fff;border-radius:8px;margin-bottom:.75rem;box-shadow:0 1px 4px #0000000f}.step-list[data-astro-cid-rocwwtoi] li[data-astro-cid-rocwwtoi]:before{content:counter(steps);position:absolute;left:1rem;top:50%;transform:translateY(-50%);width:1.75rem;height:1.75rem;background:#1a1a2e;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.8rem}.cost-box[data-astro-cid-rocwwtoi]{background:#fff;border-radius:12px;padding:1.5rem;box-shadow:0 2px 8px #0000000f;margin:1.5rem 0}.cost-row[data-astro-cid-rocwwtoi]{display:flex;justify-content:space-between;align-items:center;padding:.6rem 0;border-bottom:1px solid #f0f0f0}.cost-row[data-astro-cid-rocwwtoi]:last-child{border-bottom:none;font-weight:700;color:#1a1a2e}.cost-label[data-astro-cid-rocwwtoi]{color:#444;font-size:.9rem}.cost-value[data-astro-cid-rocwwtoi]{font-weight:600;color:#dc2626}.cost-value[data-astro-cid-rocwwtoi].low{color:#16a34a}.cost-value[data-astro-cid-rocwwtoi].savings{color:#16a34a;font-size:1.1rem}.cta-box[data-astro-cid-rocwwtoi]{background:linear-gradient(135deg,#1a1a2e,#16213e);color:#fff;border-radius:16px;padding:2rem;text-align:center;margin:2.5rem 0}.cta-box[data-astro-cid-rocwwtoi] h3[data-astro-cid-rocwwtoi]{color:#fff;margin-bottom:.75rem}.cta-box[data-astro-cid-rocwwtoi] p[data-astro-cid-rocwwtoi]{color:#a0aec0;margin-bottom:1.5rem}.cta-btn[data-astro-cid-rocwwtoi]{display:inline-block;background:#4ade80;color:#1a1a2e;font-weight:700;padding:.875rem 2rem;border-radius:8px;text-decoration:none}.cta-btn[data-astro-cid-rocwwtoi]:hover{background:#22c55e}.related[data-astro-cid-rocwwtoi]{background:#fff;border-radius:12px;padding:1.5rem;margin:2rem 0}.related[data-astro-cid-rocwwtoi] h3[data-astro-cid-rocwwtoi]{margin-top:0;margin-bottom:1rem}.related-links[data-astro-cid-rocwwtoi]{display:grid;grid-template-columns:1fr 1fr;gap:.75rem}@media (max-width: 500px){.related-links[data-astro-cid-rocwwtoi]{grid-template-columns:1fr}}.related-links[data-astro-cid-rocwwtoi] a[data-astro-cid-rocwwtoi]{display:block;padding:.75rem 1rem;background:#f8f9fa;border-radius:8px;text-decoration:none;color:#1a1a2e;font-size:.9rem;font-weight:500}.related-links[data-astro-cid-rocwwtoi] a[data-astro-cid-rocwwtoi]:hover{background:#e5e7eb}.pros-cons-grid[data-astro-cid-rocwwtoi]{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;margin:1.5rem 0}@media (max-width: 600px){.pros-cons-grid[data-astro-cid-rocwwtoi]{grid-template-columns:1fr}}.pros-box[data-astro-cid-rocwwtoi]{background:#f0fdf4;border:1px solid #22c55e;border-radius:12px;padding:1.25rem}.cons-box[data-astro-cid-rocwwtoi]{background:#fef2f2;border:1px solid #ef4444;border-radius:12px;padding:1.25rem}.pros-box[data-astro-cid-rocwwtoi] h4[data-astro-cid-rocwwtoi]{color:#166534;margin-bottom:.75rem}.cons-box[data-astro-cid-rocwwtoi] h4[data-astro-cid-rocwwtoi]{color:#991b1b;margin-bottom:.75rem}.pros-box[data-astro-cid-rocwwtoi] ul[data-astro-cid-rocwwtoi],.cons-box[data-astro-cid-rocwwtoi] ul[data-astro-cid-rocwwtoi]{list-style:none;padding:0}.pros-box[data-astro-cid-rocwwtoi] li[data-astro-cid-rocwwtoi],.cons-box[data-astro-cid-rocwwtoi] li[data-astro-cid-rocwwtoi]{padding:.4rem 0 .4rem 1.5rem;position:relative;font-size:.9rem}.pros-box[data-astro-cid-rocwwtoi] li[data-astro-cid-rocwwtoi]:before{content:"✓";position:absolute;left:0;color:#16a34a;font-weight:700}.cons-box[data-astro-cid-rocwwtoi] li[data-astro-cid-rocwwtoi]:before{content:"×";position:absolute;left:0;color:#dc2626;font-weight:700}footer[data-astro-cid-rocwwtoi]{background:#1a1a2e;color:#a0aec0;text-align:center;padding:2rem;font-size:.875rem;margin-top:3rem}footer[data-astro-cid-rocwwtoi] a[data-astro-cid-rocwwtoi]{color:#4ade80;text-decoration:none}.adsense-slot[data-astro-cid-rocwwtoi]{background:#f3f4f6;border:2px dashed #d1d5db;border-radius:8px;padding:2rem;text-align:center;margin:2rem 0;color:#6b7280;font-size:.85rem}.highlight[data-astro-cid-rocwwtoi]{background:#fef3c7;padding:.2rem .4rem;border-radius:4px}.timeline-table[data-astro-cid-rocwwtoi]{width:100%;border-collapse:collapse;margin:1.5rem 0;background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 2px 8px #00000014}.timeline-table[data-astro-cid-rocwwtoi] th[data-astro-cid-rocwwtoi]{background:#1a1a2e;color:#fff;padding:.875rem 1rem;text-align:left;font-size:.9rem}.timeline-table[data-astro-cid-rocwwtoi] td[data-astro-cid-rocwwtoi]{padding:.875rem 1rem;border-bottom:1px solid #f0f0f0;font-size:.9rem;color:#444}.timeline-table[data-astro-cid-rocwwtoi] tr[data-astro-cid-rocwwtoi]:last-child td[data-astro-cid-rocwwtoi]{border-bottom:none}.timeline-table[data-astro-cid-rocwwtoi] tr[data-astro-cid-rocwwtoi]:nth-child(2n) td[data-astro-cid-rocwwtoi]{background:#f8f9fa}.nav-breadcrumb[data-astro-cid-rocwwtoi]{color:#666;font-size:.875rem;margin-bottom:1rem}.nav-breadcrumb[data-astro-cid-rocwwtoi] a[data-astro-cid-rocwwtoi]{color:#3b82f6;text-decoration:none}.tag[data-astro-cid-rocwwtoi]{display:inline-block;background:#eff6ff;color:#1d4ed8;font-size:.75rem;font-weight:600;padding:.2rem .7rem;border-radius:999px;text-transform:uppercase;letter-spacing:.05em;margin-bottom:1rem}