:root{--ink:#161c20;--muted:#5b646a;--line:#d9dfe3;--blue:#164ddd;--yellow:#e4ef83;--paper:#f3f5f7;--max:1240px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:30px}body{margin:0;color:var(--ink);font-family:Arial,"Malgun Gothic","Apple SD Gothic Neo",sans-serif;font-size:16px;line-height:1.8;letter-spacing:0;background:#fff}a{color:inherit;text-decoration:none}button,input{font:inherit}button,a,input,summary{-webkit-tap-highlight-color:transparent}img{display:block;max-width:100%}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #507af4;outline-offset:4px}.wrap{width:min(var(--max),calc(100% - 64px));margin-inline:auto}.icon{width:19px;height:19px;flex:none}.skip{position:absolute;z-index:20;left:15px;top:-80px;padding:10px 20px;background:#fff}.skip:focus{top:10px}
header{position:relative;background:#fff;z-index:10;border-bottom:1px solid var(--line)}.header-inner{min-height:88px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:inline-flex;align-items:center;gap:11px;font-size:20px;line-height:1.3;font-weight:800;word-break:keep-all}.brand-symbol{display:grid;place-items:center;width:33px;height:33px;background:var(--blue);color:#fff;font-size:25px;font-family:Georgia,serif;border-radius:6px}.header-inner nav{display:flex;gap:26px;font-size:14px;font-weight:700}.header-inner nav a:hover{color:var(--blue)}.contact{display:flex;gap:10px;flex-wrap:wrap}.button{display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:50px;padding:10px 22px;border:1px solid var(--ink);border-radius:4px;font-weight:700;font-size:15px;line-height:1.3;transition:background .15s,color .15s}.primary{background:var(--blue);color:#fff;border-color:var(--blue)}.primary .icon{filter:invert(1)}.primary:hover{background:#103aae}.secondary{background:#fff;color:var(--ink);border-color:#9eabb3}.secondary:hover{background:#edf2ff}.header-contact .button{font-size:13px;min-height:40px;padding:8px 13px}.header-contact .icon{width:16px;height:16px}.menu-toggle{display:none;border:1px solid var(--line);background:#fff;width:42px;height:42px;align-items:center;justify-content:center;border-radius:4px;cursor:pointer}
.hero{position:relative;isolation:isolate;background:#f2f4f6;min-height:530px}.hero>img{position:absolute;z-index:-2;width:100%;height:100%;object-fit:cover;object-position:center}.hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#f5f7f9ed 0%,#f5f7f99c 40%,transparent 66%);z-index:-1}.hero-inner{min-height:530px;display:flex;align-items:center}.hero-copy{padding:45px 0;max-width:550px}.eyebrow{font-size:12px;font-weight:800;line-height:1.5;color:var(--blue);letter-spacing:0}.hero h1{font-size:70px;line-height:1.1;margin:20px 0 24px;font-weight:800;letter-spacing:0}.hero h1 span{color:var(--blue)}.hero-copy>p{font-size:18px;line-height:1.75;margin:0 0 27px;color:#424d55}.text-link{display:inline-block;color:var(--blue);font-size:14px;font-weight:800;border-bottom:1px solid currentColor;line-height:1.6;padding-bottom:3px}.hero .text-link{margin-top:17px}.topic-rail{background:var(--ink);color:#fff}.topic-rail>.wrap{display:flex;align-items:center;gap:45px;min-height:68px;font-size:14px;font-weight:700}.topic-rail span{color:#c3cbd2;margin-right:auto}.topic-rail a:hover{color:var(--yellow)}
h2{font-size:38px;line-height:1.35;margin:13px 0 22px;word-break:keep-all;letter-spacing:0}h3{letter-spacing:0}.intro-section{padding-top:90px;padding-bottom:95px;display:grid;grid-template-columns:1fr 1.25fr;gap:100px}.lead{font-size:19px;line-height:1.85;color:#293641;word-break:keep-all}.intro-section p{margin:0 0 22px;color:#4e5d67;word-break:keep-all}.intro-section .lead{color:var(--ink)}.guide-section{background:var(--paper);padding:85px 0 90px}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:25px;margin-bottom:32px}.section-heading h2{margin-bottom:0}.section-heading>p{font-size:14px;color:var(--muted);margin-bottom:5px}.section-count{font-size:12px;font-weight:700;color:#78868f;border-top:2px solid #a6b1b8;padding-top:9px}.guide-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}.guide-card{display:block;background:#fff;border:1px solid var(--line);border-radius:6px;overflow:hidden;transition:border-color .15s,transform .15s}.guide-card:hover{border-color:var(--blue);transform:translateY(-3px)}.guide-photo{position:relative;aspect-ratio:3/2;overflow:hidden;background:#e5ebf0}.guide-photo>img{width:100%;height:100%;object-fit:cover;transition:transform .25s}.guide-card:hover .guide-photo>img{transform:scale(1.03)}.card-index{position:absolute;left:12px;top:12px;display:grid;place-items:center;width:29px;height:29px;background:#fff;font-size:11px;font-weight:800;border:1px solid #d6dde2;border-radius:50%}.guide-copy{position:relative;padding:20px 20px 23px;min-height:157px}.guide-copy h3{font-size:20px;line-height:1.4;margin:9px 0 8px;padding-right:5px;word-break:keep-all}.guide-copy p{font-size:13px;margin:0;padding-right:17px;color:var(--muted);line-height:1.7}.card-arrow{position:absolute;right:16px;bottom:17px;font-size:22px;color:var(--blue)}
.comparison{padding-top:90px;padding-bottom:95px}.table-scroll{overflow-x:auto}table{width:100%;border-collapse:collapse;border-top:2px solid var(--ink);font-size:15px}th,td{text-align:left;padding:22px 23px;border-bottom:1px solid var(--line)}thead{background:var(--paper);font-size:13px}tbody th{color:var(--blue);min-width:140px}td{color:#53616b}.calc-section{padding:85px 0;background:#eef2ff;border-top:1px solid #d9e2fc;border-bottom:1px solid #d9e2fc}.calc-layout{display:grid;grid-template-columns:1fr 1.7fr;gap:75px;align-items:center}.calc-layout>div>p{font-size:16px;max-width:340px;color:var(--muted);word-break:keep-all}.calculator{display:grid;grid-template-columns:1.05fr 1fr;border:1px solid #bacbf4;border-radius:6px;overflow:hidden;background:#fff}.calc-fields{padding:27px;display:grid;gap:17px}.calc-fields label{position:relative;font-size:13px;font-weight:700}.calc-fields label>span{float:right;color:var(--muted);font-weight:400}.calc-fields input{display:block;width:100%;font-size:22px;font-weight:700;border:0;border-bottom:1px solid #bac5cd;padding:8px 0 4px;color:var(--ink);border-radius:0;background:#fff}.calc-result{background:var(--blue);color:#fff;padding:35px 27px;display:flex;flex-direction:column;justify-content:center;gap:10px;min-width:0}.calc-result>span{font-size:14px;color:#d8e3ff}.calc-result output{font-size:36px;font-weight:800;line-height:1.4;overflow-wrap:anywhere}.calc-result>div{padding-top:20px;margin-top:10px;border-top:1px solid #698bf0;display:flex;align-items:center;justify-content:space-between;gap:10px;font-size:13px}.calc-result strong{font-size:23px;color:var(--yellow)}#calc-error{font-size:13px;margin:0;color:#fff}#calc-error:empty{display:none}.small{font-size:12px!important;line-height:1.75;color:#66727d!important;margin-top:13px!important;max-width:none!important}
.checks{padding-top:95px;padding-bottom:95px;display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:center}.check-image{aspect-ratio:1/1;overflow:hidden;background:#edf2f7}.check-image img{height:100%;width:100%;object-fit:cover}.checks ol{padding-left:21px;margin:25px 0}.checks li{padding-left:10px;margin-bottom:18px}.checks li::marker{color:var(--blue);font-size:13px;font-weight:800}.checks strong{font-size:16px}.checks li p{font-size:14px;margin:3px 0;color:var(--muted);word-break:keep-all}.faq-section{background:var(--paper);padding:85px 0}.faq-layout{display:grid;grid-template-columns:1fr 1.6fr;gap:85px}details{border-bottom:1px solid #cdd5da}details:first-child{border-top:1px solid #cdd5da}summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:15px;font-size:16px;font-weight:700;padding:22px 0;cursor:pointer;word-break:keep-all}summary::-webkit-details-marker{display:none}summary span{font-size:24px;color:var(--blue);flex:none;line-height:1}details[open] summary span{transform:rotate(45deg)}details p{margin:0 0 25px;color:#50606b;font-size:15px;word-break:keep-all}
.contact-band{padding:64px 0;background:var(--yellow)}.contact-inner{display:flex;align-items:center;justify-content:space-between;gap:40px}.contact-inner h2{font-size:32px;margin:10px 0 12px}.contact-inner p{font-size:14px;margin:0;color:#4c573b}.contact-inner .eyebrow{color:#3b4b2a}.phone-number{display:block;font-size:36px;font-weight:800;line-height:1.4;margin-bottom:20px}.contact-band .secondary{background:transparent;border-color:#809344}.contact-band .primary{background:var(--ink);border-color:var(--ink)}footer{background:var(--ink);color:#fff;padding:44px 0}.footer-inner{display:flex;justify-content:space-between;gap:40px}.footer-inner p{color:#a9b4bd;font-size:13px;line-height:1.8;margin:15px 0 0}.footer-inner>div:last-child{display:grid;grid-template-columns:auto auto auto;column-gap:28px;align-content:start;font-size:13px}.footer-inner>div:last-child span{grid-column:1/-1;color:#9eabb4;font-size:12px;margin-top:15px}.mobile-contact{display:none}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.breadcrumb{padding:27px 0;display:flex;gap:12px;align-items:center;font-size:13px;color:#697784}.breadcrumb a{text-decoration:underline}.article-layout{display:grid;grid-template-columns:minmax(0,810px) 260px;justify-content:space-between;gap:70px;padding:25px 0 95px}.article-heading h1{font-size:48px;line-height:1.3;margin:20px 0;word-break:keep-all}.article-meta{display:flex;gap:18px;font-size:12px;color:#77848c;padding:14px 0 30px}.article-meta a{text-decoration:underline}.article-photo{margin:0;aspect-ratio:3/2;overflow:hidden}.article-photo img{height:100%;width:100%;object-fit:cover}.takeaway{background:#eff3ff;border-left:4px solid var(--blue);padding:23px 25px;font-size:18px;font-weight:700;word-break:keep-all;line-height:1.7;margin:30px 0 10px}.article-section{padding:27px 0;border-bottom:1px solid var(--line);scroll-margin-top:25px}.article-section h2{font-size:27px;margin:0 0 18px}.article-section p{color:#4b5b66;line-height:1.95;margin:0;font-size:16px;word-break:keep-all}.article-section details p{margin:0 0 20px;font-size:15px}.article-section details:first-child{border-top:0}.summary-list{margin:0}.summary-list>div{display:grid;grid-template-columns:135px 1fr;gap:20px;border-top:1px solid var(--line);padding:15px 0;font-size:15px}.summary-list dt{font-weight:700;color:var(--blue)}.summary-list dd{margin:0;color:var(--muted)}.sources{padding:30px 0}.sources h2,.related h2{font-size:22px}.sources ul{padding-left:20px;font-size:15px}.sources a{color:var(--blue);text-decoration:underline}.sources p{font-size:13px;color:var(--muted)}.related{margin-top:25px}.related>a{display:flex;justify-content:space-between;gap:20px;padding:15px 0;border-bottom:1px solid var(--line);font-size:16px;font-weight:700}.related>a:hover{color:var(--blue)}aside{position:sticky;top:30px;align-self:start;border-top:2px solid var(--ink);padding-top:20px}aside ol{padding-left:18px;margin:18px 0 25px;font-size:14px;color:var(--muted)}aside li{margin:12px 0;padding-left:5px}aside li a:hover{color:var(--blue)}aside hr{border:0;border-top:1px solid var(--line);margin:25px 0}aside>strong{font-size:13px}.aside-phone{display:block;font-size:23px;font-weight:800;margin:5px 0 14px}aside .button{min-height:42px;padding:10px;font-size:13px}aside .icon{width:16px;height:16px}.about{max-width:800px;padding-top:65px;padding-bottom:90px}.about h1{font-size:40px;line-height:1.3;word-break:keep-all}.about h2{font-size:25px;margin-top:40px}.about p{color:var(--muted);word-break:keep-all}.about .contact{margin-top:30px}
@media(min-width:1600px){.hero>img{object-position:center 55%}}
@media(max-width:1100px){.header-inner nav{gap:18px}.header-contact{display:none}.guide-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.article-layout{grid-template-columns:minmax(0,1fr) 225px;gap:40px}.intro-section,.checks{gap:55px}.calc-layout{gap:35px;grid-template-columns:1fr 1.8fr}.calc-fields,.calc-result{padding:22px}.calc-result output{font-size:30px}.faq-layout{gap:40px}.guide-copy h3{font-size:19px}}
@media(max-width:760px){.wrap{width:calc(100% - 36px)}.header-inner{min-height:70px}.brand{font-size:17px;gap:9px}.brand-symbol{width:29px;height:29px;font-size:23px}.menu-toggle{display:flex}.header-inner nav{display:none;position:absolute;left:0;right:0;top:70px;background:#fff;padding:16px 22px;border-bottom:1px solid var(--line);box-shadow:0 12px 20px #0000000d;flex-direction:column;gap:0}.header-inner nav.open{display:flex}.header-inner nav a{padding:12px 0}.hero,.hero-inner{min-height:510px}.hero>img{object-position:65% center;opacity:.48}.hero:after{background:linear-gradient(90deg,#f5f7f9f2,#f5f7f999)}.hero-copy{padding:44px 0;max-width:100%}.hero h1{font-size:54px;margin-top:18px}.hero-copy>p{font-size:16px}.hero .button{min-height:47px;padding:10px 18px;font-size:14px}.topic-rail>.wrap{gap:16px;min-height:72px;flex-wrap:wrap;padding:14px 0;font-size:12px}.topic-rail span{width:100%;font-size:11px;line-height:1}.intro-section{grid-template-columns:1fr;gap:20px;padding-top:60px;padding-bottom:60px}h2{font-size:31px}.lead{font-size:17px}.intro-section h2 br{display:none}.intro-section p{font-size:15px}.guide-section,.comparison,.calc-section,.faq-section{padding-top:60px;padding-bottom:60px}.section-heading{align-items:start;gap:15px}.section-heading h2{font-size:29px}.section-count{margin-top:7px;white-space:nowrap;font-size:10px}.guide-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:13px}.guide-copy{padding:16px 14px;min-height:160px}.guide-copy h3{font-size:19px;margin:8px 0;line-height:1.45}.guide-copy p{font-size:12px}.guide-copy .eyebrow{font-size:11px}.card-index{width:24px;height:24px;top:8px;left:8px}.card-arrow{right:10px;bottom:10px}.comparison .section-heading{display:block}.comparison .section-heading>p{margin-top:15px}th,td{padding:17px 15px;font-size:13px}table{min-width:580px}.calc-layout{grid-template-columns:1fr;gap:30px}.calc-layout h2 br{display:none}.calc-layout>div>p{max-width:none}.calc-fields{padding:23px 18px}.calc-result{padding:23px 18px}.calc-result output{font-size:28px}.calc-fields input{font-size:22px}.calc-fields label{font-size:12px}.checks{grid-template-columns:1fr;gap:35px;padding-top:60px;padding-bottom:60px}.check-image{aspect-ratio:3/2}.checks h2 br{display:none}.faq-layout{grid-template-columns:1fr;gap:10px}.faq-layout h2{margin-bottom:20px}summary{font-size:15px}.contact-band{padding:48px 0}.contact-inner{display:block}.contact-inner h2{font-size:27px}.contact-inner>div:last-child{margin-top:30px}.phone-number{font-size:31px}.footer-inner{display:block}.footer-inner>div:last-child{margin-top:25px;justify-content:start}footer{padding-bottom:110px}.mobile-contact{display:block;position:fixed;bottom:0;left:0;right:0;z-index:12;background:#ffffffed;border-top:1px solid var(--line);padding:10px 18px max(10px,env(safe-area-inset-bottom));backdrop-filter:blur(8px)}.mobile-contact .contact{display:grid;grid-template-columns:1fr 1fr;gap:9px}.mobile-contact .button{min-height:44px;font-size:14px}.article-layout{display:block;padding-top:8px;padding-bottom:60px}.article-heading h1{font-size:35px}.article-heading .lead{font-size:17px}.breadcrumb{font-size:12px;flex-wrap:wrap;padding:21px 0}.takeaway{font-size:16px;padding:20px;margin:22px 0 4px}.article-section h2{font-size:24px}.article-section p{font-size:16px}.summary-list>div{grid-template-columns:95px 1fr;gap:13px;font-size:14px}aside{position:static;margin-top:40px}.about{padding-top:35px;padding-bottom:60px}.about h1{font-size:31px}}
@media(max-width:390px){.hero h1{font-size:48px}.brand{font-size:16px}.guide-copy h3{font-size:17px}.guide-copy{min-height:166px}.calc-result output{font-size:24px}.calc-result>div{display:block}.calc-result strong{display:block;margin-top:5px}.calculator{grid-template-columns:1fr 1fr}.calc-fields,.calc-result{padding:18px 13px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important}}