:root{--ink:#172c41;--muted:#536578;--teal:#08766f;--blue:#103b54;--bg:#f3f6f8;--line:#dbe3e8;--gold:#ffcc6b;--paper:#fff;--soft:#eaf5f2}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.65 system-ui,-apple-system,sans-serif}a{color:var(--teal);text-underline-offset:4px}button,input,select,textarea{font:inherit}button,a,input,select,textarea{touch-action:manipulation}button,.button{background:var(--teal);color:#fff;border:1px solid var(--teal);padding:12px 20px;border-radius:9px;text-decoration:none;font-weight:650;cursor:pointer;display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:46px}.button.secondary,button.secondary{background:var(--paper);color:var(--teal);border-color:var(--line)}button:hover,.button:hover{filter:brightness(.94)}:focus-visible{outline:3px solid #b16700;outline-offset:4px}input,textarea,select{width:100%;padding:12px 14px;border:1px solid #9eafb8;border-radius:8px;color:var(--ink);background:var(--paper)}input[type=checkbox]{width:21px;height:21px;flex-shrink:0;accent-color:var(--teal)}label{display:block;font-size:.91rem;font-weight:650;margin:14px 0 6px}textarea{min-height:120px}h1,h2,h3{line-height:1.2;letter-spacing:-.035em}h1{font-size:clamp(2.1rem,4.2vw,3.8rem);margin:18px 0 22px}h2{font-size:clamp(1.5rem,3vw,2.1rem);margin:0 0 20px}h3{font-size:1.16rem;margin:12px 0}p{margin:0 0 18px}small,.small{font-size:.83rem}.muted{color:var(--muted)}.wrap{width:min(1180px,100% - 48px);margin:auto}.skip{position:absolute;left:16px;top:-80px;z-index:20;background:var(--paper);padding:10px}.skip:focus{top:10px}.family{background:var(--blue);color:#dfedef;font-size:12px;letter-spacing:.04em;padding:7px 0}.family .wrap{display:flex;justify-content:space-between;gap:16px}.family a{color:#dfedef}.top{display:flex;align-items:center;justify-content:space-between;padding:23px 0;gap:20px}.brand{color:var(--ink);font-weight:800;text-decoration:none;display:flex;align-items:center;gap:11px;line-height:1.15;font-size:1.2rem;white-space:nowrap}.brand small{display:block;font-weight:450;font-size:11px;color:var(--muted);letter-spacing:.1em;text-transform:uppercase;margin-top:6px}.mark{background:var(--teal);color:#fff;display:grid;place-items:center;width:45px;height:45px;border-radius:12px}.mark svg{width:28px}nav{display:flex;gap:25px;align-items:center}nav a{font-size:14px;font-weight:650;color:var(--ink);text-decoration:none}nav a[aria-current=page]{color:var(--teal)}.menu{display:none}.toolsbar{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:8px 0}.toolsbar .wrap{display:flex;align-items:center;gap:16px}.toolsbar button{font-size:12px;min-height:30px;padding:2px 9px;border:0;background:var(--bg);color:var(--muted)}.toolsbar span{margin-left:auto;font-size:12px;color:var(--muted)}.hero{background:linear-gradient(115deg,#f0f7f4,#f8faf9);padding:53px 0 48px;border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:1.35fr 1fr;gap:68px;align-items:center}.eyebrow{color:var(--teal);font-size:12px;font-weight:750;letter-spacing:.12em;text-transform:uppercase}.hero h1 em{font-style:normal;color:var(--teal)}.hero p{font-size:18px;color:var(--muted);max-width:620px}.search{display:flex;gap:8px;position:relative;margin-top:25px}.search input{background:var(--paper);min-width:0;padding:15px}.quick{display:flex;gap:8px;flex-wrap:wrap;margin-top:13px}.quick a,.pill{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:4px 12px;font-size:12px;text-decoration:none;color:var(--muted)}.hero-card{background:var(--paper);padding:28px;border-radius:16px;border:1px solid var(--line);box-shadow:0 14px 38px #153b3210;transform:rotate(1deg)}.hero-card .window{display:flex;gap:6px;padding-bottom:18px;border-bottom:1px solid var(--line)}.window i{width:8px;height:8px;background:#c8dbd7;border-radius:50%}.hero-card h2{font-size:1.5rem;margin:23px 0 10px}.hero-card p{font-size:14px}.mini-step{display:flex;align-items:center;gap:13px;border-top:1px solid var(--line);padding:13px 0;font-size:14px}.mini-step span{background:var(--soft);color:var(--teal);border-radius:50%;width:29px;height:29px;display:grid;place-items:center;font-weight:700}.hero-card .button{width:100%;margin-top:12px}.trust{display:flex;gap:24px;flex-wrap:wrap;font-size:12px;color:var(--muted);margin-top:25px}.trust b{color:var(--teal)}.section{padding:49px 0}.section.light{background:var(--bg)}.section-head{display:flex;align-items:baseline;justify-content:space-between;gap:20px;margin-bottom:20px}.section-head h2{margin:0}.section-head a{font-size:14px}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.topics{grid-template-columns:repeat(4,minmax(0,1fr))}.card{display:block;padding:24px;border:1px solid var(--line);border-radius:12px;background:var(--paper);text-decoration:none;color:var(--ink);position:relative}.card.link:hover{border-color:var(--teal);box-shadow:0 5px 20px #103b540b}.card p{color:var(--muted);font-size:14px;margin:0}.card .arrow{display:block;color:var(--teal);margin-top:18px;font-weight:650;font-size:13px}.icon{width:42px;height:42px;border-radius:10px;background:#e7f3ef;color:var(--teal);display:grid;place-items:center;margin-bottom:20px}.icon svg{width:24px;height:24px}.card:nth-child(4n+2) .icon{background:#edf1fa;color:#48659a}.card:nth-child(4n+3) .icon{background:#fdf2df;color:#96630f}.card:nth-child(4n+4) .icon{background:#f3edf7;color:#805790}.feature{background:var(--blue);color:#fff;display:grid;grid-template-columns:1.5fr 1fr;gap:45px;border-radius:16px;padding:36px;align-items:center}.feature p{color:#d3e3e8}.feature .eyebrow{color:#9dd6c7}.feature .button{background:#fff;color:var(--blue)}.feature-list{list-style:none;padding:0;margin:0;font-size:14px}.feature-list li{padding:11px 0;border-bottom:1px solid #ffffff25}.feature-list li:before{content:'✓';color:var(--gold);margin-right:12px}.crumb{font-size:13px;color:var(--muted);margin:25px 0}.intro{padding:5px 0 28px;border-bottom:1px solid var(--line)}.intro h1{font-size:clamp(2rem,3.6vw,2.9rem)}.intro p{max-width:760px;color:var(--muted);font-size:18px}.article-layout{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:50px;padding:35px 0 60px}.article-layout h2{font-size:1.5rem;margin:28px 0 15px}.article-layout h3{margin-top:23px}.article-layout aside{align-self:start;background:var(--bg);border-radius:12px;padding:24px;position:sticky;top:20px}.article-layout aside a{display:block;margin:12px 0;font-size:14px}.step{display:grid;grid-template-columns:34px 1fr;gap:13px;margin-bottom:25px}.step .number{width:31px;height:31px;border-radius:50%;background:var(--soft);color:var(--teal);display:grid;place-items:center;font-weight:700;margin-top:3px}.step h3{margin:4px 0 10px}.alert{border-left:4px solid #e2af4d;background:#fff8e9;padding:17px 20px;margin:20px 0;font-size:14px;color:#55441e}.checklist label{display:flex;gap:12px;align-items:flex-start;padding:12px 0;border-bottom:1px solid var(--line);font-weight:450;font-size:16px}.checklist label:has(input:checked){color:var(--muted)}.progress{font-size:13px;color:var(--teal)}.sources{font-size:13px;border-top:1px solid var(--line);margin-top:30px;padding-top:18px}.sources a{display:block;margin:8px 0;overflow-wrap:anywhere}.cols{display:grid;grid-template-columns:1fr 1fr;gap:26px}.panel{padding:26px;border:1px solid var(--line);border-radius:12px;background:var(--paper)}.calc-result{background:var(--blue);color:white;padding:28px;border-radius:12px;align-self:start}.calc-result h2{font-size:1rem;letter-spacing:0;font-weight:450;color:#d7e5eb}.calc-result strong{font-size:2.25rem;letter-spacing:-.045em;display:block;margin:10px 0}.calc-result p{font-size:14px;color:#e0e9ee}.calc-result dl{font-size:14px}.calc-result dt{margin-top:14px;color:#c4dae2}.calc-result dd{margin:0;font-weight:650}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 18px}.form-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}.error{color:#a12d23;font-size:14px;margin-top:12px}.results .card{margin-top:12px}.advice{max-width:800px;margin:35px auto}.choices{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:25px 0}.choices button{justify-content:flex-start;text-align:left;background:var(--paper);border:1px solid var(--line);color:var(--ink);padding:18px}.choices button:hover{border-color:var(--teal)}.doc-output{white-space:pre-wrap;background:var(--bg);padding:23px;border-radius:9px;max-height:650px;overflow:auto;font:15px/1.7 ui-monospace,monospace}.table-wrap{overflow:auto}table{border-collapse:collapse;width:100%;font-size:14px}th,td{text-align:left;padding:13px;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--bg)}details{border-bottom:1px solid var(--line);padding:18px 0}summary{font-weight:650;cursor:pointer}details p{margin:16px 0 0}footer{border-top:1px solid var(--line);background:var(--bg);padding:35px 0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:50px}.footer-grid a{display:block;font-size:13px;margin:9px 0}.footer-grid p{font-size:13px;color:var(--muted)}.footer-bottom{border-top:1px solid var(--line);padding-top:18px;margin-top:24px;font-size:12px;color:var(--muted)}.large{font-size:20px}.contrast{--ink:#000;--muted:#222;--teal:#00564f;--line:#666;--bg:#f3f3f3}.empty{padding:25px;background:var(--bg);border-radius:10px}body [hidden]{display:none!important}.print-only{display:none}
@media(max-width:950px){nav{gap:13px}.hero-grid{gap:30px}.topics{grid-template-columns:repeat(2,1fr)}.article-layout{grid-template-columns:minmax(0,1fr) 240px;gap:28px}}
@media(max-width:760px){.wrap{width:calc(100% - 32px)}.top{padding:17px 0;flex-wrap:wrap}.brand{font-size:1.05rem}.menu{display:inline-flex;background:var(--bg);color:var(--ink);border:0;font-size:13px;padding:7px 12px}nav{display:flex;flex-wrap:wrap;width:100%;border-top:1px solid var(--line);padding-top:16px}.js nav:not(.open){display:none}.family{font-size:10px}.family .wrap{gap:8px}.toolsbar span{display:none}.hero{padding:34px 0}.hero-grid{grid-template-columns:1fr;gap:30px}.hero-card{transform:none}.hero h1{margin-top:13px}.hero p{font-size:16px}.hero-card p{font-size:14px}.grid{grid-template-columns:1fr}.topics{grid-template-columns:1fr 1fr;gap:12px}.topics .card{padding:18px}.topics h3{font-size:1rem}.topics .card p{font-size:13px}.icon{margin-bottom:15px}.section{padding:34px 0}.section-head{align-items:flex-start}.section-head a{font-size:12px;white-space:nowrap}.feature{grid-template-columns:1fr;padding:25px;gap:12px}.article-layout,.cols{grid-template-columns:1fr;gap:24px}.article-layout aside{position:static}.form-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr;gap:25px}.footer-grid>div:first-child{grid-column:1/-1}.search button{padding:12px}.choices{grid-template-columns:1fr}.trust{gap:12px}.calc-result strong{font-size:2rem}.card h3{overflow-wrap:break-word}}
@media print{body{font-size:11pt;color:#000;background:#fff}header,footer,.toolsbar,.family,.crumb,.no-print,.search,.article-layout aside,button,.form-actions{display:none!important}.wrap{width:100%}.article-layout,.cols{display:block}.intro{border:0}.section{padding:10px 0}.print-only{display:block}.doc-output{max-height:none;overflow:visible;background:white;padding:0;font-size:11pt}.print-doc main>*:not(.doc-section){display:none}.print-doc .doc-section .doc-form,.print-doc .doc-section>p,.print-doc .doc-section>h2{display:none}.print-doc .doc-section .cols{display:block}.print-doc .doc-section .panel{border:0;padding:0}.calc-result{background:white;color:black;border:1px solid #666;break-inside:avoid}.calc-result p,.calc-result h2,.calc-result dt{color:#222}.step{break-inside:avoid}a{color:#000}}
.partner-offer{margin:32px 0;padding:24px;border:1px solid var(--line);border-left:5px solid var(--teal);border-radius:12px;background:var(--soft)}.partner-offer h2{margin:12px 0}.partner-offer .button{margin:0 0 6px}.partner-offer p:last-of-type{max-width:80ch}
[hidden]{display:none!important}#guide-clear{margin-top:16px}#guide-count{margin-bottom:0}
@media print{.partner-offer{display:none!important}.printable-template{border:0;padding:0}.printable-template h2{break-after:avoid}.printable-template p{orphans:3;widows:3}}
nav{flex-wrap:wrap}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #c35c16;outline-offset:3px}.card .form-actions{gap:14px}

.partner-offer{margin:32px 0;padding:24px;border:1px solid var(--line);border-left:5px solid var(--teal);border-radius:12px;background:var(--soft)}.partner-offer h2{margin:12px 0}.partner-offer .button{margin:0 0 6px}.partner-offer p:last-of-type{max-width:80ch}.alza-banner{max-width:100%;overflow:hidden}.alza-banner object{display:block;width:100%;max-width:100%;height:250px;border:0;border-radius:6px;background:#fff}