/*! tailwindcss v4.2.1 | MIT License | https://tailwindcss.com */
@layer properties{@supports (((-webkit-hyphens:none)) and (not (margin-trim:inline))) or ((-moz-orient:inline) and (not (color:rgb(from red r g b)))){*,:before,:after,::backdrop{--tw-rotate-x:initial;--tw-rotate-y:initial;--tw-rotate-z:initial;--tw-skew-x:initial;--tw-skew-y:initial}}}@layer theme{:root,:host{--font-sans:ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--spacing:.25rem;--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring{outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab, red, red)){::placeholder{color:color-mix(in oklab, currentcolor 50%, transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.visible{visibility:visible}.fixed{position:fixed}.relative{position:relative}.start{inset-inline-start:var(--spacing)}.table{display:table}.transform{transform:var(--tw-rotate-x,) var(--tw-rotate-y,) var(--tw-rotate-z,) var(--tw-skew-x,) var(--tw-skew-y,)}.overline{text-decoration-line:overline}}:root{--navy:#071c2c;--navy2:#0d2a3f;--teal:#15b8a6;--teal-dark:#087f76;--cream:#f5f0e6;--paper:#fbfaf6;--orange:#ff7a45;--ink:#112332;--muted:#66737b;--line:#d8dedb;--white:#fff;--shadow:0 26px 80px #031b2b24}*{box-sizing:border-box}html{scroll-behavior:smooth;background:var(--paper)}body{background:var(--paper);color:var(--ink);-webkit-font-smoothing:antialiased;margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;font-size:16px;line-height:1.65}body.consent-lock{overflow:hidden}h1,h2,h3,p{overflow-wrap:break-word}img,svg{max-width:100%}a{color:inherit;text-decoration:none}button,input{font:inherit}a,button,summary{-webkit-tap-highlight-color:transparent}.page-grid{width:min(1240px,100% - 56px);margin-inline:auto}.site-header{z-index:100;-webkit-backdrop-filter:blur(15px);backdrop-filter:blur(15px);background:#fbfaf6f0;border-bottom:1px solid #071c2c1a;position:sticky;top:0}.header-inner{align-items:center;gap:32px;min-height:76px;display:flex}.brand{letter-spacing:-.045em;flex:none;align-items:center;gap:11px;font-weight:900;display:inline-flex}.brand-symbol{background:var(--navy);width:43px;height:43px;color:var(--white);border-radius:6px;place-items:center;display:grid;position:relative;overflow:hidden}.brand-symbol b{letter-spacing:-.05em;font-size:15px}.brand-symbol i{background:var(--teal);width:19px;height:3px;position:absolute;bottom:6px;right:-4px;transform:rotate(-45deg)}.brand-name{font-size:22px}.brand-name small{color:var(--teal-dark);margin-left:3px;font-size:.72em}.desktop-nav{align-items:center;gap:25px;margin-left:auto;display:flex}.desktop-nav a{color:#344754;font-size:13px;font-weight:750;position:relative}.desktop-nav a:after{background:var(--teal);content:"";transform-origin:0;height:2px;transition:transform .2s;position:absolute;bottom:-9px;left:0;right:0;transform:scaleX(0)}.desktop-nav a:hover:after{transform:scaleX(1)}.header-cta{background:var(--navy);min-height:40px;color:var(--white);border-radius:5px;align-items:center;gap:8px;padding:8px 15px;font-size:12px;font-weight:850;display:inline-flex}.header-cta svg,.button svg,.guide-arrow svg,.comparison-list svg,.knowledge-links svg{fill:none;stroke:currentColor;stroke-width:1.8px;stroke-linecap:round;stroke-linejoin:round;width:18px}.mobile-nav{margin-left:auto;display:none}.home-hero{background:var(--navy);color:var(--white);padding:78px 0 64px;position:relative;overflow:hidden}.home-hero:before{content:"";background-image:linear-gradient(#ffffff09 1px,#0000 1px),linear-gradient(90deg,#ffffff09 1px,#0000 1px);background-size:52px 52px;position:absolute;inset:0;-webkit-mask-image:linear-gradient(90deg,#000,#0000 70%);mask-image:linear-gradient(90deg,#000,#0000 70%)}.hero-grid{grid-template-columns:minmax(0,1.04fr) minmax(430px,.96fr);align-items:center;gap:64px;display:grid;position:relative}.overline{color:var(--teal-dark);letter-spacing:.15em;text-transform:uppercase;margin:0 0 16px;font-size:11px;font-weight:900}.overline span{color:var(--orange);margin-right:6px}.overline-light{color:#62d8ca}.hero-copy h1{letter-spacing:-.065em;max-width:710px;margin:0;font-size:clamp(48px,6vw,83px);font-weight:860;line-height:.95}.hero-copy h1 em{color:var(--cream);letter-spacing:-.05em;margin-top:10px;font-family:Georgia,Times New Roman,serif;font-size:.78em;font-weight:500;display:block}.hero-lead{color:#c1ced4;max-width:660px;margin:27px 0 0;font-size:18px;line-height:1.75}.hero-actions{flex-wrap:wrap;gap:11px;margin-top:32px;display:flex}.button{border:1px solid #0000;border-radius:5px;justify-content:center;align-items:center;gap:11px;min-height:50px;padding:11px 19px;font-size:13px;font-weight:900;transition:transform .2s,background .2s;display:inline-flex}.button:hover{transform:translateY(-2px)}.button-primary{background:var(--teal);color:var(--navy)}.button-ghost{color:var(--white);border-color:#ffffff45}.button-ghost:hover{background:#ffffff14}.hero-facts{border-top:1px solid #ffffff24;grid-template-columns:1.1fr .8fr 1.35fr;margin:38px 0 0;display:grid}.hero-facts div{border-right:1px solid #ffffff24;grid-template-columns:auto 1fr;gap:10px;padding:19px 17px 0 0;display:grid}.hero-facts div+div{padding-left:17px}.hero-facts div:last-child{border-right:0}.hero-facts dt{color:var(--teal);letter-spacing:-.04em;font-size:18px;font-weight:900}.hero-facts dd{color:#9fb0b9;margin:1px 0 0;font-size:10px;line-height:1.45}.hero-media{padding:14px 14px 0 0;position:relative}.hero-media:before{content:"";border:1px solid #15b8a68c;width:100%;height:100%;position:absolute;top:0;right:0}.hero-media picture,.hero-media img{width:100%;display:block;position:relative}.hero-media img{aspect-ratio:1.905;object-fit:cover;height:auto;box-shadow:0 35px 90px #00000057}.hero-media-note{background:var(--cream);color:var(--ink);grid-template-columns:auto 1fr;align-items:center;gap:18px;margin:-1px 0 0;padding:15px 18px;display:grid;position:relative}.hero-media-note span{color:var(--teal-dark);letter-spacing:.1em;text-transform:uppercase;font-size:10px;font-weight:900}.hero-media-note strong{font-size:12px;line-height:1.45}.dayline{border-bottom:1px solid var(--line);background:var(--white)}.dayline-grid{grid-template-columns:repeat(4,1fr);display:grid}.dayline p{border-right:1px solid var(--line);grid-template-columns:auto 1fr;align-items:center;gap:14px;min-height:83px;margin:0;padding:0 20px;font-size:12px;font-weight:800;display:grid}.dayline p:first-child{border-left:1px solid var(--line)}.dayline-step{color:var(--teal-dark);text-transform:uppercase;font-size:10px;font-weight:900}.content-section{content-visibility:auto;contain-intrinsic-size:auto 900px;padding-top:105px;padding-bottom:105px}.section-intro{grid-template-columns:1.13fr .87fr;align-items:end;gap:80px;margin-bottom:42px;display:grid}.section-intro h2,.decision-heading h2,.budget-copy h2,.final-knowledge h2{letter-spacing:-.058em;max-width:720px;margin:0;font-size:clamp(39px,4.8vw,64px);font-weight:850;line-height:1.02}.section-intro>p{max-width:510px;color:var(--muted);margin:0}.guide-index{border-top:1px solid var(--ink)}.guide-row{border-bottom:1px solid var(--line);grid-template-columns:65px minmax(220px,.78fr) minmax(280px,1.22fr) 48px;align-items:center;gap:22px;min-height:119px;transition:background .2s,padding .2s;display:grid}.guide-row:hover{background:var(--cream);padding-left:12px;padding-right:12px}.guide-code{color:var(--teal-dark);font-size:11px;font-weight:900}.guide-row h3{letter-spacing:-.035em;margin:0;font-size:25px}.guide-row p{max-width:560px;color:var(--muted);margin:0;font-size:14px}.guide-arrow{border:1px solid var(--line);border-radius:50%;place-items:center;width:42px;height:42px;transition:background .2s,color .2s;display:grid}.guide-row:hover .guide-arrow{border-color:var(--teal);background:var(--teal);color:var(--navy)}.decision-board{content-visibility:auto;contain-intrinsic-size:auto 700px;background:var(--navy);color:var(--white);padding:100px 0}.decision-grid{grid-template-columns:.85fr 1.15fr;gap:110px;display:grid}.decision-heading>p:last-child{color:#aebdc4;max-width:520px;margin:26px 0 0}.decision-steps{margin:0;padding:0;list-style:none}.decision-steps li{border-top:1px solid #ffffff29;grid-template-columns:58px 1fr;gap:24px;padding:26px 0;display:grid}.decision-steps li:last-child{border-bottom:1px solid #ffffff29}.decision-steps>li>span{color:var(--orange);font-size:11px;font-weight:900}.decision-steps h3{color:var(--teal);letter-spacing:-.03em;margin:0;font-size:24px}.decision-steps p{color:#b7c5cb;margin:7px 0 0;font-size:14px}.budget-section{grid-template-columns:.78fr 1.22fr;align-items:center;gap:95px;display:grid}.budget-copy>p:not(.overline){max-width:510px;color:var(--muted);margin:24px 0 0}.check-list{gap:11px;margin:25px 0 0;padding:0;list-style:none;display:grid}.check-list li{color:#44545d;padding-left:24px;font-size:13px;position:relative}.check-list li:before{background:var(--teal);content:"";border-radius:2px;width:9px;height:9px;position:absolute;top:.58em;left:0}.budget-card{background:var(--white);box-shadow:var(--shadow);border:1px solid #b9c6c4;border-radius:8px;padding:34px}.budget-card-head{justify-content:space-between;align-items:flex-start;gap:20px;margin-bottom:24px;display:flex}.budget-card-head span{color:var(--teal-dark);letter-spacing:.11em;text-transform:uppercase;font-size:10px;font-weight:900}.budget-card-head h3{letter-spacing:-.04em;margin:3px 0 0;font-size:28px}.budget-card-head small{background:var(--cream);color:var(--muted);letter-spacing:.08em;text-transform:uppercase;border-radius:3px;padding:6px 9px;font-size:9px;font-weight:900}.budget-fields{grid-template-columns:repeat(2,1fr);gap:11px;display:grid}.budget-fields label{border:1px solid var(--line);border-radius:5px;padding:14px 15px;display:block}.budget-fields label>span:first-child{color:var(--muted);margin-bottom:7px;font-size:11px;font-weight:800;display:block}.input-wrap{align-items:center;gap:7px;display:flex}.input-wrap input{width:100%;min-width:0;color:var(--ink);background:0 0;border:0;outline:0;font-size:23px;font-weight:900}.input-wrap b{color:var(--muted);font-size:10px}.budget-fields label:focus-within{border-color:var(--teal);box-shadow:0 0 0 3px #15b8a61f}.budget-result{background:var(--navy);grid-template-columns:1.25fr .75fr;gap:1px;margin-top:12px;display:grid}.budget-result>span{background:var(--teal);padding:18px 20px;display:grid}.budget-result>span:last-child{background:#5ed3c5}.budget-result small{text-transform:uppercase;font-size:10px;font-weight:850}.budget-result strong{letter-spacing:-.04em;font-size:27px}.budget-result.is-negative>span{background:#ffb29a}.budget-status{color:var(--teal-dark);margin:14px 0 0;font-size:13px;font-weight:900}.budget-note{color:var(--muted);margin:8px 0 0;font-size:10px}.comparison-section{content-visibility:auto;contain-intrinsic-size:auto 900px;background:var(--teal);color:var(--navy);padding:100px 0}.comparison-intro .overline{color:var(--navy)}.comparison-intro>p{color:#174e4c}.comparison-list{border-top:1px solid #071c2c73}.comparison-list a{border-bottom:1px solid #071c2c57;grid-template-columns:62px 1fr 42px;align-items:center;gap:22px;min-height:107px;transition:background .2s,padding .2s;display:grid}.comparison-list a:hover{background:#ffffff38;padding-left:14px;padding-right:14px}.comparison-list a>span{font-size:11px;font-weight:900}.comparison-list h3{letter-spacing:-.03em;margin:0;font-size:22px}.comparison-list p{color:#1d5a56;margin:4px 0 0;font-size:13px}.comparison-list svg{justify-self:end}.final-knowledge{grid-template-columns:1fr .65fr .65fr;align-items:end;gap:34px;display:grid}.final-knowledge>div>p:not(.overline){max-width:610px;color:var(--muted);margin:22px 0 0}.knowledge-links{border-top:1px solid var(--ink);display:grid}.knowledge-links a{border-bottom:1px solid var(--ink);justify-content:space-between;align-items:center;gap:15px;min-height:72px;font-size:13px;font-weight:900;display:flex}.final-knowledge aside{background:var(--cream);border-left:5px solid var(--orange);padding:27px}.final-knowledge aside strong{color:var(--orange);letter-spacing:.1em;text-transform:uppercase;font-size:10px}.final-knowledge aside p{color:#56646c;margin:12px 0 0;font-size:12px}.recommended{content-visibility:auto;contain-intrinsic-size:auto 120px;border-top:1px solid var(--line);background:var(--white)}.recommended-inner{align-items:center;gap:36px;min-height:96px;display:flex}.recommended-inner>p{color:var(--muted);letter-spacing:.12em;text-transform:uppercase;flex:none;margin:0;font-size:10px;font-weight:900}.recommended nav{flex-wrap:wrap;gap:9px;display:flex}.recommended nav a{color:#465861;border:1px solid #0000;border-radius:3px;padding:7px 9px;font-size:12px;font-weight:750}.recommended nav a:hover{border-color:var(--line);background:var(--cream);color:var(--teal-dark)}.site-footer{content-visibility:auto;contain-intrinsic-size:auto 460px;background:var(--navy);color:var(--white);padding:70px 0 25px}.footer-main{grid-template-columns:.65fr 1.35fr;gap:100px;display:grid}.site-footer .brand-symbol{background:var(--white);color:var(--navy)}.site-footer .brand-name small{color:var(--teal)}.footer-brand>p{color:#99acb5;max-width:340px;margin:19px 0 0;font-size:13px}.footer-nav{grid-template-columns:repeat(3,1fr);gap:32px;display:grid}.footer-nav>div{align-content:start;gap:8px;display:grid}.footer-nav strong{color:var(--teal);letter-spacing:.11em;text-transform:uppercase;margin-bottom:7px;font-size:10px}.footer-nav a,.footer-nav button{color:#c0cdd3;cursor:pointer;text-align:left;background:0 0;border:0;width:fit-content;padding:0;font-size:12px}.footer-nav a:hover,.footer-nav button:hover{color:var(--white);text-underline-offset:4px;text-decoration:underline}.footer-bottom{border-top:1px solid #ffffff21;justify-content:space-between;align-items:flex-end;gap:35px;margin-top:58px;padding-top:23px;display:flex}.footer-bottom p{color:#81969f;max-width:810px;margin:0;font-size:10px}.footer-bottom span{color:#81969f;flex:none;font-size:10px}.consent-backdrop{z-index:1000;background:#041521de;place-items:center;padding:16px;display:grid;position:fixed;inset:0}.consent-dialog{background:var(--paper);border:1px solid #bdc8c5;border-radius:9px;outline:0;width:min(630px,100%);max-height:calc(100vh - 32px);padding:34px;overflow-y:auto;box-shadow:0 34px 120px #0000006b}.consent-kicker{color:var(--teal-dark);letter-spacing:.13em;text-transform:uppercase;font-weight:900;margin:0 0 9px!important;font-size:10px!important}.consent-dialog h2{letter-spacing:-.05em;margin:0;font-size:clamp(30px,6vw,43px);font-weight:850;line-height:1.05}.consent-dialog>p:not(.consent-kicker){color:var(--muted);margin:17px 0 0;font-size:13px}.consent-links a{color:var(--teal-dark);text-underline-offset:3px;font-weight:850;text-decoration:underline}.consent-actions{grid-template-columns:repeat(2,1fr);gap:9px;margin-top:23px;display:grid}.consent-actions button{border:1px solid var(--navy);min-height:48px;color:var(--navy);cursor:pointer;background:0 0;border-radius:5px;padding:10px 13px;font-size:11px;font-weight:900}.consent-actions .consent-primary{border-color:var(--teal-dark);background:var(--teal-dark);color:var(--white);grid-column:1/-1}.consent-heading-row{justify-content:space-between;align-items:center;margin:-8px 0 16px;display:flex}.consent-heading-row button{color:var(--teal-dark);cursor:pointer;background:0 0;border:0;padding:5px 0;font-weight:900}.consent-heading-row button:last-child{font-size:25px}.consent-category{border-bottom:1px solid var(--line);justify-content:space-between;align-items:center;gap:24px;margin-top:11px;padding:14px 0;display:flex}.consent-category strong{font-size:13px}.consent-category p{color:var(--muted);margin:3px 0 0;font-size:10px}.consent-category>span:not(.consent-switch){color:var(--teal-dark);flex:none;font-size:9px;font-weight:900}.consent-switch{flex:none;width:46px;height:26px;position:relative}.consent-switch input{opacity:0;width:1px;height:1px;position:absolute}.consent-switch i{cursor:pointer;background:#cfd6d4;border-radius:999px;transition:background .2s;position:absolute;inset:0}.consent-switch i:after{background:var(--white);content:"";border-radius:50%;width:20px;height:20px;transition:transform .2s;position:absolute;top:3px;left:3px;box-shadow:0 2px 8px #071c2c33}.consent-switch input:checked+i{background:var(--teal-dark)}.consent-switch input:checked+i:after{transform:translate(20px)}.consent-switch input:focus-visible+i,.consent-actions button:focus-visible,.site-header a:focus-visible,.footer-nav button:focus-visible{outline:3px solid var(--orange);outline-offset:3px}.settings-actions .consent-primary{grid-column:auto}.guide-hero{background:var(--navy);color:var(--white);padding:58px 0 64px}.breadcrumb{color:#8fa3ad;flex-wrap:wrap;gap:9px;margin:0 0 31px;font-size:11px;display:flex}.breadcrumb a:hover{color:var(--teal)}.guide-heading-line{justify-content:space-between;align-items:center;gap:20px;display:flex}.guide-heading-line .overline{margin:0}.guide-heading-line>span{color:#8fa3ad;font-size:11px;font-weight:750}.guide-hero h1{letter-spacing:-.065em;width:100%;max-width:1150px;margin:20px 0 0;font-size:clamp(46px,6.4vw,82px);font-weight:860;line-height:.98}.guide-hero-lower{grid-template-columns:minmax(0,1.15fr) minmax(300px,.85fr);align-items:start;gap:78px;margin-top:36px;display:grid}.guide-lead{color:#c1ced4;margin:0;font-size:18px;line-height:1.75}.quick-box{border:1px solid #ffffff38;border-top:4px solid var(--teal);background:#ffffff0e;padding:25px}.quick-box strong{color:var(--teal);letter-spacing:.11em;text-transform:uppercase;font-size:10px}.quick-box p{color:#d7e0e4;margin:10px 0 0;font-size:13px}.article-layout{grid-template-columns:minmax(0,1fr) 290px;gap:78px;padding-top:80px;padding-bottom:105px;display:grid}.guide-content{min-width:0}.answer-first{border-left:5px solid var(--orange);background:var(--cream);grid-template-columns:150px 1fr;gap:24px;margin-bottom:52px;padding:27px 29px;display:grid}.answer-first span{color:var(--orange);letter-spacing:.1em;text-transform:uppercase;font-size:10px;font-weight:900}.answer-first p{margin:0;font-size:17px;font-weight:680;line-height:1.65}.article-section{border-top:1px solid var(--line);grid-template-columns:54px minmax(0,1fr);gap:24px;padding:48px 0;scroll-margin-top:100px;display:grid}.article-section-number{color:var(--teal-dark);padding-top:7px;font-size:11px;font-weight:900}.article-section-body h2{letter-spacing:-.05em;margin:0 0 19px;font-size:clamp(31px,3.8vw,48px);font-weight:840;line-height:1.08}.article-section-body h3{letter-spacing:-.03em;margin:30px 0 10px;font-size:22px}.article-section-body>p{color:#4f5f67;margin:0 0 17px}.article-section-body>ul{gap:9px;margin:21px 0 0;padding:0;list-style:none;display:grid}.article-section-body>ul li{border:1px solid var(--line);background:var(--white);color:#45565e;padding:11px 14px 11px 38px;font-size:13px;position:relative}.article-section-body>ul li:before{background:var(--teal);content:"";width:9px;height:9px;position:absolute;top:17px;left:16px}.guide-table-wrap{border:1px solid var(--line);background:var(--white);margin:27px 0 0;overflow-x:auto}.guide-table{border-collapse:collapse;width:100%}.guide-table th,.guide-table td{border-bottom:1px solid var(--line);text-align:left;vertical-align:top;padding:14px 16px}.guide-table th{background:var(--cream);font-size:11px}.guide-table td{color:#4d5d65;font-size:12px}.guide-table tr:last-child td{border-bottom:0}.comperia-box{background:var(--navy);color:var(--white);grid-template-columns:1fr auto;align-items:center;gap:28px;margin-top:32px;padding:27px;display:grid}.comperia-box span{color:var(--teal);letter-spacing:.11em;text-transform:uppercase;font-size:9px;font-weight:900}.comperia-box h3{margin:7px 0 0;font-size:21px}.comperia-box p{color:#aebec6;margin:7px 0 0;font-size:12px}.comperia-box a{background:var(--teal);min-height:46px;color:var(--navy);border-radius:4px;align-items:center;gap:9px;padding:10px 15px;font-size:11px;font-weight:900;display:inline-flex}.comperia-box a svg{fill:none;stroke:currentColor;stroke-width:1.8px;width:18px}.article-aside{align-self:start;position:sticky;top:105px}.toc-panel,.aside-alert{border:1px solid var(--line);background:var(--white);padding:21px}.toc-panel>strong,.aside-alert>strong{letter-spacing:.11em;text-transform:uppercase;font-size:10px}.toc-panel nav{margin-top:14px;display:grid}.toc-panel a{border-top:1px solid var(--line);color:#53636b;grid-template-columns:24px 1fr;gap:8px;padding:10px 0;font-size:11px;font-weight:750;line-height:1.4;display:grid}.toc-panel a span{color:var(--teal-dark);font-size:9px}.toc-panel a:hover{color:var(--teal-dark)}.aside-alert{border-left:4px solid var(--orange);background:#fff3ed;margin-top:12px}.aside-alert p{color:#725c52;margin:9px 0 0;font-size:11px}.article-next{background:#dff5f1;grid-template-columns:1fr .7fr;gap:50px;margin-top:30px;padding:38px;display:grid}.article-next h2{letter-spacing:-.05em;margin:0;font-size:35px;line-height:1.05}.article-next>div>p:not(.overline){color:#4c6865;margin:17px 0 0;font-size:13px}.article-next nav{border-top:1px solid var(--navy);align-content:start;display:grid}.article-next nav a{border-bottom:1px solid var(--navy);padding:10px 0;font-size:12px;font-weight:850}.article-next nav a:hover{color:var(--teal-dark)}@media (width<=1080px){.desktop-nav{gap:16px}.desktop-nav a:nth-child(4){display:none}.hero-grid{grid-template-columns:1fr .82fr;gap:40px}.hero-facts{grid-template-columns:1fr 1fr}.hero-facts div:last-child{display:none}.decision-grid{gap:70px}.budget-section{gap:60px}.final-knowledge{grid-template-columns:1fr 1fr}.final-knowledge aside{grid-column:1/-1}.article-layout{gap:45px}.comperia-box{grid-template-columns:1fr}}@media (width<=860px){.page-grid{width:min(100% - 32px,720px)}.site-header{background:var(--paper);-webkit-backdrop-filter:none;backdrop-filter:none}.header-inner{min-height:68px}.desktop-nav,.header-cta{display:none}.mobile-nav{display:block;position:relative}.mobile-nav summary{border:1px solid var(--line);cursor:pointer;border-radius:50%;place-content:center;gap:7px;width:42px;height:42px;list-style:none;display:grid}.mobile-nav summary::-webkit-details-marker{display:none}.mobile-nav summary span{background:var(--navy);width:18px;height:2px;display:block}.mobile-nav nav{border:1px solid var(--line);background:var(--white);width:min(340px,100vw - 32px);box-shadow:var(--shadow);border-radius:7px;padding:10px;display:grid;position:absolute;top:51px;right:0}.mobile-nav nav a{border-radius:4px;padding:9px 11px;font-size:12px;font-weight:800}.mobile-nav nav a:hover{background:var(--cream)}.home-hero{padding:58px 0}.hero-grid,.section-intro,.decision-grid,.budget-section,.footer-main{grid-template-columns:1fr}.hero-grid{gap:48px}.hero-media{width:min(660px,100%)}.dayline-grid{grid-template-columns:repeat(2,1fr)}.dayline p:nth-child(2){border-right:0}.dayline p:nth-child(-n+2){border-bottom:1px solid var(--line)}.content-section{padding-top:78px;padding-bottom:78px}.section-intro{gap:20px}.guide-row{grid-template-columns:48px minmax(180px,.8fr) 1.2fr 42px}.decision-grid,.budget-section{gap:45px}.footer-main{gap:50px}}@media (width<=600px){.page-grid{width:min(100% - 24px,560px)}.brand-name{font-size:20px}.home-hero{padding-top:46px}.hero-copy h1{font-size:clamp(43px,14vw,62px)}.hero-lead{font-size:16px}.hero-actions,.hero-actions .button{width:100%}.hero-facts{grid-template-columns:1fr}.hero-facts div{border-right:0}.hero-facts div:nth-child(2){display:none}.hero-media{padding:8px 8px 0 0}.hero-media-note{grid-template-columns:1fr;gap:4px}.dayline-grid{grid-template-columns:1fr}.dayline p,.dayline p:first-child{border-right:0;border-bottom:1px solid var(--line);border-left:0;min-height:61px}.section-intro h2,.decision-heading h2,.budget-copy h2,.final-knowledge h2{font-size:clamp(36px,12vw,50px)}.guide-row{grid-template-columns:38px 1fr 40px;gap:12px;min-height:116px}.guide-row h3{font-size:21px}.guide-row p{display:none}.guide-arrow{grid-area:1/3}.decision-steps li{grid-template-columns:42px 1fr}.budget-card{padding:23px 18px}.budget-fields,.budget-result,.footer-nav,.consent-actions{grid-template-columns:1fr}.budget-result{gap:0}.comparison-list a{grid-template-columns:38px 1fr 30px;gap:12px}.comparison-list p{display:none}.final-knowledge{grid-template-columns:1fr}.final-knowledge aside{grid-column:auto}.recommended-inner{padding-top:23px;padding-bottom:23px;display:block}.recommended nav{margin-top:12px}.footer-nav{gap:32px}.footer-bottom{flex-direction:column;align-items:flex-start}.consent-dialog{padding:25px 19px}.consent-actions .consent-primary,.settings-actions .consent-primary{grid-column:auto}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{scroll-behavior:auto!important;transition-duration:.01ms!important}}@media (width<=860px){.guide-hero-lower,.article-layout{grid-template-columns:1fr}.guide-hero-lower{gap:24px}.article-layout{gap:30px}.article-aside{order:-1;position:static}.toc-panel{display:none}.aside-alert{margin:0}.article-next{grid-template-columns:1fr}}@media (width<=600px){.guide-hero{padding:42px 0 50px}.guide-heading-line>span{display:none}.guide-hero h1{font-size:clamp(42px,13vw,61px)}.guide-lead{font-size:16px}.quick-box{padding:20px}.article-layout{padding-top:55px;padding-bottom:75px}.answer-first{grid-template-columns:1fr;gap:8px;padding:23px 20px}.article-section{grid-template-columns:1fr;gap:8px;padding:38px 0}.article-section-number{padding:0}.article-section-body>ul li{padding-right:10px}.comperia-box{padding:22px 19px}.comperia-box a{justify-content:center}.article-next{padding:27px 20px}.guide-table th,.guide-table td{min-width:150px;padding:12px}}.plain-hero{background:var(--navy);color:var(--white);padding:58px 0 66px}.plain-hero h1{letter-spacing:-.065em;max-width:1050px;margin:0;font-size:clamp(46px,6vw,78px);font-weight:860;line-height:.98}.plain-hero>div>p:last-child{color:#b9c8cf;max-width:720px;margin:27px 0 0;font-size:18px}.reference-layout{grid-template-columns:minmax(0,1fr) 270px;gap:75px;padding-top:78px;padding-bottom:100px;display:grid}.reference-main{min-width:0}.reference-answer{border-left:5px solid var(--teal);background:#dff5f1;padding:25px 27px}.reference-answer strong{color:var(--teal-dark);letter-spacing:.1em;text-transform:uppercase;font-size:10px}.reference-answer p{color:#3f5d5a;margin:9px 0 0;font-size:14px}.faq-list{gap:10px;margin-top:34px;display:grid}.faq-list details{border:1px solid var(--line);background:var(--white)}.faq-list summary{cursor:pointer;grid-template-columns:40px 1fr;padding:18px 21px;font-weight:850;list-style:none;display:grid}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary span{color:var(--teal-dark);font-size:10px}.faq-list summary:after{color:var(--orange);content:"+";grid-column:3;font-size:20px;line-height:1}.faq-list details[open] summary:after{content:"-"}.faq-list details p{color:#53636b;margin:0;padding:0 21px 20px 61px;font-size:13px}.reference-aside{border-top:1px solid var(--navy);align-self:start;display:grid;position:sticky;top:105px}.reference-aside strong{color:var(--teal-dark);letter-spacing:.1em;text-transform:uppercase;padding:13px 0;font-size:10px}.reference-aside a{border-top:1px solid var(--line);padding:10px 0;font-size:12px;font-weight:800}.reference-aside a:hover{color:var(--teal-dark)}.glossary-page{padding-top:78px;padding-bottom:100px}.glossary-page>.reference-answer{max-width:880px}.glossary-grid{border:1px solid var(--line);background:var(--line);grid-template-columns:repeat(3,1fr);gap:1px;margin-top:36px;display:grid}.glossary-grid article{background:var(--white);min-height:245px;padding:25px}.glossary-grid article>span{color:var(--teal-dark);font-size:10px;font-weight:900}.glossary-grid h2{letter-spacing:-.03em;margin:34px 0 11px;font-size:21px}.glossary-grid p{color:#53636b;margin:0;font-size:12px}.legal-page{width:min(880px,100% - 56px);margin:auto;padding:70px 0 100px}.legal-page .breadcrumb{color:var(--muted)}.legal-page h1{letter-spacing:-.06em;margin:0;font-size:clamp(47px,6vw,76px);font-weight:860;line-height:1}.legal-page .updated{color:var(--muted);margin:15px 0 42px;font-size:11px}.legal-page h2{letter-spacing:-.04em;margin:42px 0 13px;font-size:30px}.legal-page h3{margin:28px 0 9px}.legal-page p,.legal-page li{color:#4f5f67}.legal-page li{margin-bottom:7px}.legal-page a{color:var(--teal-dark);text-underline-offset:3px;font-weight:800;text-decoration:underline}.legal-table{border:1px solid var(--line);background:var(--white);margin-top:22px;display:grid}.legal-table>div{border-bottom:1px solid var(--line);grid-template-columns:150px 1fr;gap:24px;padding:18px;display:grid}.legal-table>div:last-child{border-bottom:0}.legal-table strong{font-size:13px}.legal-table p{margin:0;font-size:12px}.legal-settings-button{background:var(--teal-dark);min-height:46px;color:var(--white);cursor:pointer;border:0;border-radius:4px;margin-top:10px;padding:10px 15px;font-size:11px;font-weight:900}.not-found{background:var(--navy);min-height:68vh;color:var(--white);place-items:center;padding:70px 24px;display:grid}.not-found>div{text-align:center;width:min(820px,100%)}.not-found>div>span{color:var(--teal);letter-spacing:.2em;font-size:11px;font-weight:900;display:block}.not-found h1{letter-spacing:-.06em;margin:10px 0 0;font-size:clamp(44px,7vw,78px);line-height:1}.not-found>div>p:not(.overline){color:#b7c5cc;max-width:620px;margin:22px auto 0}.not-found>div>div{justify-content:center;gap:10px;margin-top:28px;display:flex}.not-found-alt{color:var(--white);border-color:#ffffff40}@media (width<=900px){.reference-layout{grid-template-columns:1fr;gap:30px}.reference-aside{grid-template-columns:repeat(3,1fr);position:static}.reference-aside strong{grid-column:1/-1}.reference-aside a{padding-right:10px}.glossary-grid{grid-template-columns:repeat(2,1fr)}}@media (width<=600px){.plain-hero{padding:42px 0 50px}.plain-hero h1{font-size:clamp(42px,13vw,60px)}.plain-hero>div>p:last-child{font-size:16px}.reference-layout,.glossary-page{padding-top:55px;padding-bottom:75px}.faq-list summary{grid-template-columns:31px 1fr}.faq-list details p{padding-left:52px}.reference-aside{grid-template-columns:1fr}.reference-aside strong{grid-column:auto}.glossary-grid{grid-template-columns:1fr}.glossary-grid article{min-height:210px}.legal-page{width:min(100% - 24px,560px);padding:52px 0 75px}.legal-table>div{grid-template-columns:1fr;gap:5px}.not-found>div>div{flex-direction:column}.not-found .button{width:100%}}@property --tw-rotate-x{syntax:"*";inherits:false}@property --tw-rotate-y{syntax:"*";inherits:false}@property --tw-rotate-z{syntax:"*";inherits:false}@property --tw-skew-x{syntax:"*";inherits:false}@property --tw-skew-y{syntax:"*";inherits:false}