:root{--n9:#0a1730;--n8:#122447;--n7:#1d3563;--n1:#eef2f8;--bg:#f7f9fc;--ink:#101a2e;--mut:#5a6680;--line:#e3e8f1;--acc:#10a37f;--acc2:#e9b949;--red:#d9544d;--r:16px;--sh:0 1px 2px rgba(10,23,48,.04),0 8px 28px rgba(10,23,48,.07)}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font:15.5px/1.7 Montserrat,system-ui,sans-serif;color:var(--ink);background:var(--bg);overflow-x:hidden}
a{color:var(--acc);text-decoration:none}h1,h2,h3,h4{line-height:1.2;letter-spacing:-.02em;margin:0 0 .5em}
h1{font-size:clamp(30px,4.4vw,50px);font-weight:800}h2{font-size:clamp(22px,2.6vw,30px);font-weight:700}h3{font-size:17px;font-weight:700}
.w{max-width:1180px;margin:0 auto;padding:0 20px}
.bar{background:var(--n9);color:#9fb0cd;font-size:12px;font-weight:500;letter-spacing:.05em;text-align:center;padding:7px 0}
.hd{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.hdi{display:flex;align-items:center;justify-content:space-between;gap:20px;height:72px}
.brand{display:flex;align-items:center;gap:12px;color:var(--ink);font-weight:800;font-size:19px;letter-spacing:-.02em}
.brand small{display:block;font-size:10.5px;font-weight:600;color:var(--mut);letter-spacing:.12em;text-transform:uppercase}
.mark{width:40px;height:40px;border-radius:12px;display:grid;place-items:center;color:#fff;font-weight:800;background:linear-gradient(135deg,var(--n7),var(--n9));box-shadow:inset 0 -3px 0 var(--acc)}
.nav{display:flex;align-items:center;gap:2px}.nav a{color:var(--n8);font-weight:600;font-size:14px;padding:9px 13px;border-radius:10px;white-space:nowrap}
.nav a:hover,.nav a.on{background:var(--n1)}.nav a.on{color:var(--n9);box-shadow:inset 0 -2px 0 var(--acc)}
.nav .rg{margin-left:8px;border:1.5px solid var(--acc);color:var(--acc)}
.burger{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;width:44px;height:44px;font-size:20px;cursor:pointer}
@media(max-width:1100px){.burger{display:block}.nav{display:none;position:absolute;left:0;right:0;top:72px;background:#fff;flex-direction:column;align-items:stretch;padding:12px 20px 20px;border-bottom:1px solid var(--line);box-shadow:var(--sh)}.nav.open{display:flex}.nav .rg{margin:8px 0 0;text-align:center}}
.disc{display:flex;gap:14px;align-items:flex-start;margin:18px 0;padding:14px 18px;background:#fff;border:1px solid var(--line);border-left:4px solid var(--acc2);border-radius:12px;font-size:13px;color:var(--mut)}
.disc p{margin:0}.disc strong{color:var(--ink)}
.b18{flex:none;width:38px;height:38px;border-radius:50%;border:2.5px solid var(--red);color:var(--red);font-weight:800;font-size:12.5px;display:grid;place-items:center}
.eyebrow{display:inline-block;font-size:11.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--acc);margin-bottom:10px}
.hero{background:radial-gradient(900px 400px at 85% 0%,rgba(16,163,127,.25),transparent 60%),linear-gradient(160deg,var(--n9),var(--n8) 60%,var(--n7));color:#fff;padding:72px 0 80px;margin-top:-1px}
.heroi{display:grid;grid-template-columns:1.35fr 1fr;gap:48px;align-items:center}
.hero h1 mark{background:none;color:var(--acc2)}.hero p{color:#c2cde2;font-size:17px;max-width:600px}
.hero .eyebrow{color:var(--acc2)}
.heroacts{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.btn{display:inline-block;background:var(--acc);color:#fff;font-weight:700;font-size:14.5px;padding:13px 22px;border-radius:12px;transition:.15s}
.btn:hover{filter:brightness(1.08);transform:translateY(-1px)}.btn.ghost{background:transparent;border:1.5px solid rgba(255,255,255,.35)}
.btn.light{background:#fff;color:var(--n9)}
.glance{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:20px;padding:22px;backdrop-filter:blur(6px)}
.glance h3{color:#fff;font-size:13px;letter-spacing:.12em;text-transform:uppercase}.glance p{font-size:12.5px;color:#9fb0cd;margin:12px 0 0}
.g3{display:flex;align-items:center;gap:14px;padding:12px;border-radius:14px;color:#fff;background:rgba(255,255,255,.05);margin-top:10px;transition:.15s}
.g3:hover{background:rgba(255,255,255,.12)}.g3 span:not(.lg){flex:1}.g3 b{display:block}.g3 small{color:#9fb0cd;font-size:12px}.g3 em{font-style:normal;font-weight:800;color:var(--acc2)}
@media(max-width:860px){.heroi{grid-template-columns:1fr}.hero{padding:48px 0 56px}}
.strip{display:grid;grid-template-columns:repeat(4,1fr);gap:0;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh);margin-top:-36px;position:relative;padding:0}
.strip div{padding:22px 24px;border-right:1px solid var(--line)}.strip div:last-child{border:0}
.strip b{display:block;font-size:26px;font-weight:800;color:var(--n8)}.strip span{font-size:13px;color:var(--mut)}
@media(max-width:760px){.strip{grid-template-columns:1fr 1fr;margin:20px 20px 0}.strip div:nth-child(2){border-right:0}.strip div:nth-child(-n+2){border-bottom:1px solid var(--line)}}
.sec{padding-top:56px}.sh{display:flex;justify-content:space-between;align-items:end;gap:16px;flex-wrap:wrap;margin-bottom:18px}
.more,.tl{font-weight:700;font-size:14px}.note{color:var(--mut);font-size:13px}
.phead{padding-top:40px}.phead p{color:var(--mut);max-width:680px;font-size:16.5px}
.crumb{font-size:13px;color:var(--mut);margin:0 0 12px}.crumb a{color:var(--mut)}
.tw{overflow-x:auto;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh)}
table{width:100%;border-collapse:collapse;min-width:760px;font-size:14px}
th{background:var(--n1);color:var(--n7);font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.1em;text-align:left;padding:14px 16px}
td{padding:16px;border-top:1px solid var(--line);vertical-align:middle}td small{display:block;color:var(--mut);font-size:12px;margin-top:3px}
tbody tr{transition:background .15s}tbody tr:hover{background:#fafcff}tr.hide{display:none}td.num{font-weight:700;white-space:nowrap}
.rk{display:inline-grid;place-items:center;width:30px;height:30px;border-radius:9px;background:var(--n1);color:var(--n8);font-weight:800;font-size:13px}
tbody tr:nth-child(1) .rk,.rc:nth-child(1) .rk{background:var(--acc2);color:var(--n9)}
tbody tr:nth-child(2) .rk,.rc:nth-child(2) .rk{background:#cfd7e4}tbody tr:nth-child(3) .rk,.rc:nth-child(3) .rk{background:#e8c9a8}
.opc{display:flex;align-items:center;gap:12px}.opc a{color:var(--ink);font-weight:700}
.lg{position:relative;flex:none;width:44px;height:44px;border-radius:12px;background:#fff;border:1px solid var(--line);display:grid;place-items:center;overflow:hidden}
.lg img{position:absolute;inset:7px;width:calc(100% - 14px);height:calc(100% - 14px);object-fit:contain;background:#fff;z-index:1}
.lg b{font-weight:800;color:var(--n7)}.lg.xl{width:96px;height:96px;border-radius:24px;box-shadow:var(--sh)}.lg.xl img{inset:14px;width:calc(100% - 28px);height:calc(100% - 28px)}
.lic{display:inline-block;background:#e7f6f1;color:#0a7a5f;font-weight:700;font-size:12px;padding:4px 10px;border-radius:99px;white-space:nowrap}
.chip{display:inline-block;background:var(--n1);color:var(--n8);font-size:11.5px;font-weight:600;padding:3px 9px;border-radius:99px;margin:2px 4px 2px 0;white-space:nowrap}
.steps,.crit{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin:8px 0 18px}
.steps div,.crit div{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:var(--sh)}
.steps i{font-style:normal;font-weight:800;font-size:13px;color:var(--acc);display:block;margin-bottom:12px}
.steps p,.crit p{margin:0;color:var(--mut);font-size:14.5px}.crit b{display:block;font-size:30px;font-weight:800;color:var(--acc);line-height:1;margin-bottom:12px}
.two{display:grid;grid-template-columns:1fr 1.6fr;gap:40px}@media(max-width:820px){.two{grid-template-columns:1fr}}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:10px;padding:0 20px}
.faq summary{cursor:pointer;font-weight:700;padding:17px 0;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::after{content:"+";color:var(--acc);font-size:20px;line-height:1}.faq details[open] summary::after{content:"–"}
.faq summary::-webkit-details-marker{display:none}.faq p{margin:0 0 18px;color:var(--mut)}
.rgband{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;margin-top:64px;padding:36px 40px;border-radius:24px;background:linear-gradient(135deg,var(--n8),var(--n7));color:#fff;max-width:1140px}
.rgband p{color:#c2cde2;margin:0;max-width:620px}.rgband h2{color:#fff}
@media(max-width:1180px){.rgband{margin-left:20px;margin-right:20px}}
.filters{display:flex;flex-wrap:wrap;gap:14px;align-items:end;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px;margin-bottom:16px;box-shadow:var(--sh)}
.filters label{display:flex;flex-direction:column;gap:6px;font-size:11px;font-weight:700;color:var(--mut);text-transform:uppercase;letter-spacing:.08em}
select{font:600 14px Montserrat,sans-serif;color:var(--ink);background:#fff;border:1.5px solid var(--line);border-radius:10px;padding:10px 12px;min-width:170px}
select:focus{outline:none;border-color:var(--acc)}
.reset{font:700 13px Montserrat,sans-serif;background:none;border:0;color:var(--acc);cursor:pointer;padding:10px 6px}#count{margin-left:auto;color:var(--mut);font-size:13px;font-weight:600}
.vs{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-bottom:16px}.vs span{font-weight:800;color:var(--mut)}
.vsout{display:grid;grid-template-columns:1fr 1fr;gap:18px}.vsout>div{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--sh)}
.vsout h3{display:flex;align-items:center;gap:12px}.vsout dl{margin:0;display:grid;grid-template-columns:130px 1fr;font-size:14px}
.vsout dt{color:var(--mut);font-weight:600;padding:9px 0;border-top:1px solid var(--line)}.vsout dd{margin:0;padding:9px 0;border-top:1px solid var(--line)}
@media(max-width:700px){.vsout{grid-template-columns:1fr}}
.rgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:18px}
.rc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--sh);color:var(--ink);transition:.18s;display:flex;flex-direction:column}
.rc:hover{transform:translateY(-3px);box-shadow:0 14px 40px rgba(10,23,48,.12)}
.rch{display:flex;align-items:center;gap:12px}.rch div{flex:1}.rch b{display:block;font-size:17px}.rch small{color:var(--mut);font-size:12.5px}
.rc dl{display:grid;grid-template-columns:110px 1fr;font-size:13.5px;margin:18px 0;flex:1}.rc dt{color:var(--mut);padding:7px 0;border-top:1px solid var(--line)}.rc dd{margin:0;padding:7px 0;border-top:1px solid var(--line);font-weight:600}
.rvh{display:flex;gap:26px;align-items:center}@media(max-width:600px){.rvh{flex-direction:column;align-items:flex-start}}
.rvh h1{margin-bottom:6px}.rvh p{margin:0}
.rvb{display:grid;grid-template-columns:1fr 320px;gap:36px;padding-top:32px;align-items:start}
@media(max-width:920px){.rvb{grid-template-columns:1fr}}
.toc{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:8px}.toc a{background:#fff;border:1px solid var(--line);border-radius:99px;padding:7px 14px;font-size:13px;font-weight:600;color:var(--n8)}
.toc a:hover{border-color:var(--acc);color:var(--acc)}
article h2{margin-top:36px;scroll-margin-top:90px}
.facts{display:grid;grid-template-columns:200px 1fr;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:4px 24px;box-shadow:var(--sh);margin:0}
.facts dt{color:var(--mut);font-weight:600;font-size:14px;padding:14px 0;border-top:1px solid var(--line)}.facts dd{margin:0;padding:14px 0;border-top:1px solid var(--line)}
.facts dt:first-of-type,.facts dd:first-of-type{border-top:0}
@media(max-width:560px){.facts{grid-template-columns:1fr}.facts dt{padding-bottom:0}.facts dd{border-top:0;padding-top:4px}}
.pc{display:grid;grid-template-columns:1fr 1fr;gap:18px}@media(max-width:640px){.pc{grid-template-columns:1fr}}
.pc>div{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}
.pc ul,.risk{list-style:none;padding:0;margin:0}.pc li,.risk li{position:relative;padding-left:28px;margin-bottom:10px;font-size:14.5px}
.pro li:before{content:"✓";position:absolute;left:0;color:var(--acc);font-weight:800}.con li:before{content:"–";position:absolute;left:4px;color:var(--red);font-weight:800}
.pro{border-top:4px solid var(--acc)!important}.con{border-top:4px solid var(--red)!important}
.risk{background:#fff8ec;border:1px solid #f3dfb8;border-radius:var(--r);padding:20px 22px}.risk li:before{content:"!";position:absolute;left:0;top:2px;width:18px;height:18px;border-radius:50%;background:var(--acc2);color:var(--n9);font-weight:800;font-size:12px;display:grid;place-items:center}
.side{position:sticky;top:96px;display:grid;gap:16px}
.sc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--sh)}
.sc>b{display:block;margin:12px 0 4px}.sc dl{display:grid;grid-template-columns:1fr auto;font-size:14px;margin:8px 0}.sc dt{color:var(--mut);padding:8px 0;border-top:1px solid var(--line)}.sc dd{margin:0;padding:8px 0;border-top:1px solid var(--line);font-weight:700}
.sc p{font-size:12.5px;color:var(--mut);margin:8px 0 0}
.others>b{margin-top:0}.others a{display:flex;align-items:center;gap:10px;color:var(--ink);font-weight:600;font-size:14px;padding:7px 0}.others .lg{width:30px;height:30px;border-radius:8px}.others .lg img{inset:4px;width:calc(100% - 8px);height:calc(100% - 8px)}
.ggrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:18px}
.gc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:var(--sh);color:var(--ink);transition:.18s;border-top:4px solid var(--n7)}
.gc:hover{transform:translateY(-3px)}.gc p{color:var(--mut);font-size:14.5px}
.prose{max-width:780px}.prose h2{margin-top:36px}.prose ul{padding-left:20px}.prose li{margin-bottom:8px}
.ft{background:var(--n9);color:#9fb0cd;margin-top:72px;padding:56px 0 0;font-size:14px}
.fti{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:36px}.fti h4{color:#fff;font-size:12px;letter-spacing:.12em;text-transform:uppercase}
.fti a,.fti span{display:block;color:#c2cde2;margin-bottom:8px}.fti a:hover{color:#fff}.brand.light{color:#fff}.brand.light small{color:#9fb0cd}
.fti p{max-width:340px;font-size:13.5px}
.ftb{border-top:1px solid rgba(255,255,255,.1);margin-top:36px;padding:20px;font-size:12.5px;text-align:center}
@media(max-width:820px){.fti{grid-template-columns:1fr 1fr}}@media(max-width:520px){.fti{grid-template-columns:1fr}}
.lg.dk{background:var(--n9);border-color:var(--n9)}.lg.dk img{background:transparent}