@font-face{font-family:"Lexend";font-style:normal;font-weight:100 900;font-display:swap;src:url(fonts/lexend-latin-wght.woff2) format("woff2")}
:root{--em:#0B7A56;--em-d:#075C41;--em-l:#E8F6F0;--am:#F5A623;--nv:#0E2A3B;--tx:#24384A;--mu:#4D6272;--bd:#D7E6DE;--bg2:#F5FAF7;--wh:#FFFFFF;--r:16px;--sh:0 8px 28px rgba(14,42,59,.12);--nav-h:72px;--font:"Lexend",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.7;color:var(--tx);background:var(--wh);font-weight:350}
img{max-width:100%;height:auto;display:block}
a{color:var(--em-d)}
h1,h2,h3{color:var(--nv);line-height:1.25;text-wrap:balance;font-weight:650;letter-spacing:-.01em}
.wrap{max-width:1240px;margin:0 auto;padding-inline:24px}
.skip{position:absolute;left:-9999px;top:8px;z-index:2147483001;background:var(--nv);color:#fff;padding:10px 16px;border-radius:8px}
.skip:focus{left:16px}
.site-header{position:sticky;top:0;z-index:2147483000;isolation:isolate;background:rgba(255,255,255,.97);border-bottom:1px solid var(--bd);backdrop-filter:saturate(1.4) blur(8px)}
.nav{display:flex;align-items:center;height:var(--nav-h);gap:28px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--nv);font-weight:700;font-size:1.12rem;white-space:nowrap;flex:none}
.logo svg{width:38px;height:38px;flex:none}
.nav-links{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0;flex:1}
.nav-links>li{position:relative}
.nav-links>li>a,.nav-links>li>button{display:flex;align-items:center;gap:6px;min-height:44px;padding:0 12px;border:0;background:none;font:inherit;font-size:.95rem;font-weight:500;color:var(--nv);text-decoration:none;border-radius:10px;cursor:pointer;white-space:nowrap}
.nav-links>li>a:hover,.nav-links>li>button:hover,.nav-links>li>button[aria-expanded="true"]{background:var(--em-l);color:var(--em-d)}
.nav-links .caret{width:10px;height:10px;transition:transform .2s}
.nav-links li.open .caret,.nav-links li.dd-wrap:hover .caret{transform:rotate(180deg)}
.nav-spacer{flex:1;min-width:48px}
.nav-links .btn-apply{background:var(--am);color:var(--nv);font-weight:650;padding:0 22px;border-radius:999px;margin-left:auto}
.nav-links .btn-apply:hover{background:#E3951A;color:var(--nv)}
.dd{position:absolute;top:100%;left:0;margin:0;list-style:none;padding:8px;background:#fff;border:1px solid var(--bd);border-radius:14px;box-shadow:var(--sh);width:max-content;max-width:calc(100vw - 32px);visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s;z-index:5}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.dd-wrap:hover>.dd,.dd-wrap:focus-within>.dd,.dd-wrap.open>.dd{visibility:visible;opacity:1;transition-delay:0s}
.dd a{display:flex;align-items:center;min-height:44px;padding:0 14px;border-radius:10px;color:var(--nv);text-decoration:none;font-size:.95rem;white-space:nowrap}
.dd a:hover,.dd a:focus{background:var(--em-l);color:var(--em-d)}
.menu-btn{display:none;margin-left:auto;width:48px;height:48px;border:1px solid var(--bd);border-radius:12px;background:#fff;align-items:center;justify-content:center;cursor:pointer}
.menu-btn span,.menu-btn span::before,.menu-btn span::after{display:block;width:20px;height:2px;background:var(--nv);position:relative;content:""}
.menu-btn span::before{position:absolute;top:-6px}.menu-btn span::after{position:absolute;top:6px}
.hero{display:grid;grid-template-columns:1fr 1fr;min-height:580px;background:var(--em-l)}
.hero-text{display:flex;flex-direction:column;justify-content:center;align-items:center;padding:56px 40px;gap:16px}
.hero-text>*{width:100%;max-width:540px;margin:0}
.hero h1{font-size:clamp(2rem,1.2rem + 2.2vw,2.9rem);font-weight:700}
.hero-media{position:relative;min-height:580px;overflow:hidden;background:var(--bd)}
.hero-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 30%}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0;font-size:.86rem;color:var(--mu)}
.crumbs li+li::before{content:"›";margin-right:6px;color:var(--mu)}
.crumbs a{color:var(--em-d);text-decoration:none}
.updated{font-size:.88rem;color:var(--mu)}
.lead{font-size:1.1rem;color:var(--tx)}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 24px;border-radius:999px;font-weight:600;text-decoration:none;font-size:1rem;border:2px solid transparent;cursor:pointer}
.btn-amber{background:var(--am);color:var(--nv)}
.btn-amber:hover{background:#E3951A}
.btn-ghost{border-color:var(--em);color:var(--em-d);background:#fff}
.btn-ghost:hover{background:var(--em-l)}
.chips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0}
.chips li{background:#fff;border:1px solid var(--bd);border-radius:999px;padding:4px 12px;font-size:.85rem;color:var(--nv)}
.nw{white-space:nowrap}
.byline{font-size:.92rem;color:var(--mu)}
.byline strong{color:var(--nv);font-weight:600}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--am);outline-offset:2px}
@media (max-width:1100px){.nav{gap:16px}.nav-links>li>a,.nav-links>li>button{padding:0 9px;font-size:.92rem}}
@media (max-width:960px){
.menu-btn{display:flex}
.nav-links{display:none;position:absolute;left:0;right:0;top:var(--nav-h);flex-direction:column;align-items:stretch;background:#fff;border-bottom:1px solid var(--bd);padding:8px 16px 16px;max-height:calc(100vh - var(--nav-h));overflow:auto;box-shadow:var(--sh)}
.nav.is-open .nav-links{display:flex}
.nav-links>li>a,.nav-links>li>button{width:100%;justify-content:space-between;font-size:1rem;min-height:48px}
.nav-spacer{display:none}
.nav-links .btn-apply{justify-content:center;margin:8px 0 0}
.dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;padding:0 0 0 12px;width:auto;max-width:none}
.dd::before{display:none}
.dd-wrap:hover>.dd,.dd-wrap:focus-within>.dd{display:none}
.dd-wrap.open>.dd{display:block}
.nav-links li.dd-wrap:hover .caret{transform:none}
.nav-links li.open .caret{transform:rotate(180deg)}
}
@media (max-width:860px){
.hero{grid-template-columns:1fr;min-height:0}
.hero-media{order:-1;min-height:0;aspect-ratio:4/3;max-width:100%}
.hero-text{padding:32px 16px 40px}
.wrap{padding-inline:16px}
}



.form-band{padding:48px 0 8px;background:linear-gradient(180deg,var(--em-l) 0,var(--wh) 100%)}
#apply-form{scroll-margin-top:calc(var(--nav-h) + 16px)}
.form-card{position:relative;z-index:1;isolation:isolate;max-width:1020px;margin:0 auto;background:#fff;border-radius:16px;box-shadow:0 8px 28px rgba(14,42,59,.14);padding:40px 40px 32px;border:1px solid var(--bd);overflow:hidden}
.form-card::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:linear-gradient(90deg,var(--em),var(--am))}
.form-card-head{text-align:center;margin-bottom:20px}
.form-card-head p.form-title{font-size:1.5rem;font-weight:650;color:var(--nv);margin:0 0 6px;text-wrap:balance}
.form-card-head p.form-trust{margin:0;color:var(--mu);font-size:.95rem}
.form-embed{position:relative;z-index:1;isolation:isolate;min-height:120px}
.band{padding:48px 0 16px}
.band-title{font-size:1.6rem;margin:0 0 6px}
.band-sub{margin:0 0 24px;color:var(--mu)}
.grid{display:grid;gap:20px}
.g6{grid-template-columns:repeat(6,minmax(0,1fr))}
.g5{grid-template-columns:repeat(5,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.card{background:#fff;border:1px solid var(--bd);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column;transition:box-shadow .2s,transform .2s;min-width:0}
.card:hover{box-shadow:var(--sh);transform:translateY(-2px)}
.card-img{display:block;aspect-ratio:4/3;overflow:hidden;background:var(--bd)}
.card-img img{width:100%;height:100%;object-fit:cover;object-position:center 30%}
.card-body{padding:16px 18px 20px;display:flex;flex-direction:column;gap:6px;flex:1}
.card-body h3,.card-body p.card-t,.content .card-body h3{margin:0;font-size:1.08rem;line-height:1.3;color:var(--nv);font-weight:650;text-wrap:balance}
.card-body h3 a,.card-body p.card-t a{color:inherit;text-decoration:none}
.card-body h3 a:hover,.card-body p.card-t a:hover{color:var(--em-d)}
.card-body p{margin:0;font-size:.93rem;color:var(--mu);line-height:1.55}
.card-meta{font-size:.8rem!important;text-transform:uppercase;letter-spacing:.06em;color:var(--em-d)!important;font-weight:600}
.amt-card .card-body{align-items:flex-start}
.amt-card .amt{font-size:1.4rem;font-weight:700;color:var(--nv)}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start;padding-block:48px 56px}
.layout.full{grid-template-columns:minmax(0,860px);justify-content:center}
article.content{min-width:0}
.content h2{font-size:1.65rem;margin:44px 0 14px;scroll-margin-top:calc(var(--nav-h) + 16px)}
.content h3{font-size:1.22rem;margin:28px 0 10px;scroll-margin-top:calc(var(--nav-h) + 16px)}
.content section:first-of-type h2{margin-top:8px}
.content p{margin:0 0 16px}
.content p.answer-lead{font-size:1.08rem;color:var(--nv);font-weight:450;text-wrap:balance;border-left:4px solid var(--em);padding:2px 0 2px 16px}
.content ul,.content ol{padding-left:24px;margin:0 0 18px}
.content li{margin-bottom:8px}
.content strong{color:var(--nv);font-weight:600}
.toc{background:var(--bg2);border:1px solid var(--bd);border-radius:var(--r);padding:20px 24px;margin:0 0 32px}
.toc p.toc-t{margin:0 0 8px;font-weight:650;color:var(--nv);font-size:1rem}
.toc ol{margin:0;padding-left:20px;columns:2;column-gap:32px;font-size:.93rem}
.toc li{margin-bottom:6px;break-inside:avoid}
.toc a{text-decoration:none}
.toc a:hover{text-decoration:underline}
.callout{background:var(--em-l);border-radius:14px;padding:18px 20px;margin:0 0 20px;border:1px solid #C5E6D7}
.callout p:last-child{margin-bottom:0}
.table-wrap{overflow-x:auto;margin:0 0 22px;border:1px solid var(--bd);border-radius:14px;-webkit-overflow-scrolling:touch}
.table-wrap table{width:100%;border-collapse:collapse;font-size:.93rem;min-width:520px}
.table-wrap caption{text-align:left;padding:12px 16px;font-weight:600;color:var(--nv);background:var(--bg2);caption-side:top}
.table-wrap th,.table-wrap td{padding:11px 16px;text-align:left;border-top:1px solid var(--bd);vertical-align:top;font-variant-numeric:tabular-nums}
.table-wrap thead th{background:var(--nv);color:#fff;font-weight:600;border-top:0}
.table-wrap tbody tr:nth-child(even){background:#FAFCFB}
.body-img{margin:8px auto 28px;max-width:440px}
.body-img img{width:100%;height:auto;border-radius:var(--r);box-shadow:var(--sh)}
.inline-cards{margin:8px 0 32px}
.term-card{background:#fff;border:1px solid var(--bd);border-radius:var(--r);padding:20px;display:flex;flex-direction:column;gap:4px;min-width:0}
.term-card p{margin:0}
.term-card .tm{font-weight:650;color:var(--nv);font-size:1.05rem}
.term-card .tm a{color:inherit;text-decoration:none}
.term-card .pay{font-size:1.7rem;font-weight:700;color:var(--em-d);line-height:1.2}
.term-card .sub{font-size:.88rem;color:var(--mu)}
.faq-block h3{font-size:1.1rem}
.author-box{display:flex;gap:16px;align-items:flex-start;background:var(--bg2);border:1px solid var(--bd);border-radius:var(--r);padding:20px 22px;margin:36px 0 24px}
.author-mark{flex:none;width:52px;height:52px;border-radius:50%;background:var(--nv);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1.1rem}
.author-box p{margin:0 0 4px}
.author-box p.author-name{font-weight:650;color:var(--nv)}
.share{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin:0 0 32px}
.share p{margin:0;font-weight:600;color:var(--nv)}
.share a{display:inline-flex;align-items:center;min-height:44px;padding:0 16px;border:1px solid var(--bd);border-radius:999px;text-decoration:none;font-size:.9rem;color:var(--nv)}
.share a:hover{background:var(--em-l)}
.related p.related-t{font-size:1.3rem;font-weight:650;color:var(--nv);margin:0 0 16px}
.rating-box{display:flex;gap:24px;align-items:center;background:var(--bg2);border:1px solid var(--bd);border-radius:var(--r);padding:24px 28px;margin:8px 0 32px}
.rating-big{font-size:3.2rem;font-weight:700;color:var(--nv);line-height:1}
.stars{color:#C77F0A;letter-spacing:2px;font-size:1.1rem}
.rating-box p{margin:0}
.review-card{background:#fff;border:1px solid var(--bd);border-radius:var(--r);padding:20px 22px;display:flex;flex-direction:column;gap:8px;min-width:0}
.review-card p{margin:0}
.review-card p.rv-t{font-weight:650;color:var(--nv)}
.review-card p.rv-by{font-size:.86rem;color:var(--mu);margin-top:auto}
.calc{background:#fff;border:1px solid var(--bd);border-radius:var(--r);box-shadow:var(--sh);padding:28px;margin:8px 0 32px;position:relative;overflow:hidden}
.calc::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:linear-gradient(90deg,var(--em),var(--am))}
.calc-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.calc label{display:block;font-weight:600;color:var(--nv);font-size:.92rem;margin-bottom:6px}
.calc input,.calc select{width:100%;min-height:48px;border:1px solid #B8CEC3;border-radius:12px;padding:0 14px;font:inherit;color:var(--nv);background:#fff}
.calc input[type=range]{accent-color:var(--em);min-height:44px;border:0;padding:0}
.calc-out{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:22px 0 16px}
.calc-out div{background:var(--em-l);border-radius:14px;padding:16px}
.calc-out p{margin:0}
.calc-out p.k{font-size:.85rem;color:var(--mu)}
.calc-out p.v{font-size:1.6rem;font-weight:700;color:var(--nv);font-variant-numeric:tabular-nums}
.calc-note{font-size:.88rem;color:var(--mu);margin:0 0 16px}
.sidebar{display:flex;flex-direction:column;gap:20px;min-width:0}
.sb{background:#fff;border:1px solid var(--bd);border-radius:var(--r);padding:20px 22px;font-size:.93rem;line-height:1.6}
.sb p{margin:0 0 10px}
.sb p:last-child{margin-bottom:0}
.sb p.sb-t{font-weight:650;color:var(--nv);font-size:1rem;margin-bottom:10px}
.sb ul,.sb ol{margin:0;padding-left:18px}
.sb li{margin-bottom:6px}
.sb ul.links{list-style:none;padding:0}
.sb ul.links a{text-decoration:none}
.sb ul.links a:hover{text-decoration:underline}
.sb table{width:100%;border-collapse:collapse;font-size:.88rem;font-variant-numeric:tabular-nums}
.sb th,.sb td{padding:6px 4px;border-bottom:1px solid var(--bd);text-align:left}
.sb-cta{background:var(--nv);border-color:var(--nv);color:#C9D8E2}
.sb-cta p.sb-t{color:#fff}
.sb-cta .btn{width:100%;margin-top:4px}
.sb-soft{background:var(--bg2)}
.sb-sticky{position:sticky;top:calc(var(--nav-h) + 20px)}
.sb-rating{font-size:2rem;font-weight:700;color:var(--nv);line-height:1.1}
.cta-zone{background:var(--nv);color:#C9D8E2;padding:56px 0}
.cta-zone .wrap{display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap}
.cta-zone p.cta-t{color:#fff;font-size:1.7rem;font-weight:650;margin:0 0 8px;text-wrap:balance}
.cta-zone p{margin:0;max-width:640px}
.site-footer{background:#0A2030;color:#C9D8E2;font-size:.92rem}
.foot-photo{height:220px;overflow:hidden;position:relative}
.foot-photo img{width:100%;height:100%;object-fit:cover;object-position:center 55%}
.foot-cols{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:32px;padding-block:48px 32px}
.foot-cols p.foot-t{color:#fff;font-weight:650;margin:0 0 12px;font-size:1rem}
.foot-cols ul{list-style:none;margin:0;padding:0}
.foot-cols li{margin-bottom:4px}
.foot-cols a{color:#C9D8E2;text-decoration:none;display:inline-flex;align-items:center;min-height:32px}
.foot-cols a:hover{color:#fff;text-decoration:underline}
.foot-brand .logo{color:#fff;margin-bottom:12px}
.foot-brand p{margin:0 0 8px}
.foot-brand a{min-height:0}
.foot-legal{border-top:1px solid #1F3A4D;padding-block:24px 32px;font-size:.84rem;color:#9FB4C2}
.foot-legal p{margin:0 0 10px;max-width:1080px}
.foot-legal a{color:#C9D8E2}
.to-top{position:fixed;right:20px;bottom:20px;width:48px;height:48px;border-radius:50%;border:0;background:var(--em);color:#fff;box-shadow:var(--sh);cursor:pointer;display:flex;align-items:center;justify-content:center;opacity:0;visibility:hidden;transition:opacity .2s,visibility .2s;z-index:50}
.to-top.show{opacity:1;visibility:visible}
.to-top svg{width:20px;height:20px}
.sitemap-list{columns:2;column-gap:40px}
.sitemap-list li{break-inside:avoid}
@media (max-width:1100px){.g6{grid-template-columns:repeat(3,minmax(0,1fr))}.foot-cols{grid-template-columns:repeat(2,minmax(0,1fr))}.foot-brand{grid-column:1/-1}}
@media (max-width:1020px){
.layout{grid-template-columns:minmax(0,1fr)}
.box-x{display:none}
.sb-sticky{position:static}
.g5{grid-template-columns:minmax(0,1fr)}
.g5 .card{flex-direction:row}
.g5 .card-img{width:38%;flex:none;aspect-ratio:auto}
}
@media (max-width:760px){
.g3,.g2{grid-template-columns:minmax(0,1fr)}
.g6{grid-template-columns:repeat(2,minmax(0,1fr))}
.toc ol{columns:1}
.form-card{padding:28px 16px 20px;border-radius:12px}
.calc-grid,.calc-out{grid-template-columns:minmax(0,1fr)}
.rating-box{flex-direction:column;align-items:flex-start}
.foot-cols{grid-template-columns:minmax(0,1fr)}
.sitemap-list{columns:1}
.content h2{font-size:1.4rem}
body{font-size:16px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}