@font-face{font-family:Inter Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/inter-cyrillic-ext-wght-normal.BOeWTOD4.woff2) format("woff2-variations");unicode-range:U+0460-052F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F}@font-face{font-family:Inter Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/inter-cyrillic-wght-normal.DqGufNeO.woff2) format("woff2-variations");unicode-range:U+0301,U+0400-045F,U+0490-0491,U+04B0-04B1,U+2116}@font-face{font-family:Inter Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/inter-greek-ext-wght-normal.DlzME5K_.woff2) format("woff2-variations");unicode-range:U+1F00-1FFF}@font-face{font-family:Inter Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/inter-greek-wght-normal.CkhJZR-_.woff2) format("woff2-variations");unicode-range:U+0370-0377,U+037A-037F,U+0384-038A,U+038C,U+038E-03A1,U+03A3-03FF}@font-face{font-family:Inter Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/inter-vietnamese-wght-normal.CBcvBZtf.woff2) format("woff2-variations");unicode-range:U+0102-0103,U+0110-0111,U+0128-0129,U+0168-0169,U+01A0-01A1,U+01AF-01B0,U+0300-0301,U+0303-0304,U+0308-0309,U+0323,U+0329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Inter Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/inter-latin-ext-wght-normal.DO1Apj_S.woff2) format("woff2-variations");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Inter Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/inter-latin-wght-normal.Dx4kXJAl.woff2) format("woff2-variations");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Bricolage Grotesque Variable;font-style:normal;font-display:swap;font-weight:200 800;src:url(/_astro/bricolage-grotesque-vietnamese-wght-normal.BUzh504Q.woff2) format("woff2-variations");unicode-range:U+0102-0103,U+0110-0111,U+0128-0129,U+0168-0169,U+01A0-01A1,U+01AF-01B0,U+0300-0301,U+0303-0304,U+0308-0309,U+0323,U+0329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Bricolage Grotesque Variable;font-style:normal;font-display:swap;font-weight:200 800;src:url(/_astro/bricolage-grotesque-latin-ext-wght-normal.CcLUaPy7.woff2) format("woff2-variations");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Bricolage Grotesque Variable;font-style:normal;font-display:swap;font-weight:200 800;src:url(/_astro/bricolage-grotesque-latin-wght-normal.DLoelf7F.woff2) format("woff2-variations");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}:root{--ink: #0f1b33;--ink-2: #3c4760;--muted: #646f86;--bg: #ffffff;--bg-soft: #f3f5f9;--surface: #ffffff;--line: #e4e8ef;--accent: #0f766e;--accent-strong: #0b5d56;--accent-tint: #d9f4ec;--highlight: #ffd23f;--highlight-tint: #fff4c4;--critical: #c0352b;--positive: #127a4a;--display: "Bricolage Grotesque Variable", "Inter Variable", system-ui, sans-serif;--text: "Inter Variable", system-ui, -apple-system, "Segoe UI", sans-serif;--r-lg: 28px;--r-md: 18px;--r-sm: 12px;--shadow: 0 1px 2px rgba(15, 27, 51, .04), 0 12px 32px -12px rgba(15, 27, 51, .16);--measure: 66ch;color-scheme:light}@media(prefers-color-scheme:dark){:root{--ink: #eef2f8;--ink-2: #c3cad8;--muted: #97a1b5;--bg: #0b1020;--bg-soft: #121a2e;--surface: #161f36;--line: #243051;--accent: #3ddbc4;--accent-strong: #6ae7d4;--accent-tint: #123a37;--highlight: #ffd23f;--highlight-tint: #3b3214;--shadow: 0 1px 2px rgba(0, 0, 0, .3), 0 16px 40px -16px rgba(0, 0, 0, .6);color-scheme:dark}}*,*:before,*:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--text);font-size:1.0625rem;line-height:1.65;-webkit-font-smoothing:antialiased}img,svg{display:block;max-width:100%}a{color:var(--accent);text-underline-offset:3px;text-decoration-thickness:1.5px}a:hover{color:var(--accent-strong)}:focus-visible{outline:3px solid var(--highlight);outline-offset:3px;border-radius:6px}h1,h2,h3{font-family:var(--display);color:var(--ink);margin:0;font-weight:700;letter-spacing:-.025em;line-height:1.08}h1{font-size:clamp(2.4rem,7vw,4.6rem);font-variation-settings:"wdth" 90}h2{font-size:clamp(1.6rem,3.6vw,2.25rem)}h3{font-size:1.3rem}p{margin:0 0 1rem}.wrap{width:min(100% - 32px,1140px);margin-inline:auto}.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:16px;background:var(--surface);padding:8px 16px;z-index:50;border-radius:8px}.site-head{position:sticky;top:0;z-index:30;background:color-mix(in srgb,var(--bg) 82%,transparent);backdrop-filter:saturate(160%) blur(14px);-webkit-backdrop-filter:saturate(160%) blur(14px);border-bottom:1px solid color-mix(in srgb,var(--line) 70%,transparent)}.site-head .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;height:68px}.brand{display:inline-flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none;font-family:var(--display);font-weight:700;font-size:1.15rem;letter-spacing:-.02em}.brand-mark{width:34px;height:34px}.nav{display:flex;gap:4px}.nav a{color:var(--ink-2);text-decoration:none;font-size:.95rem;font-weight:500;padding:8px 14px;border-radius:999px}.nav a:hover{background:var(--bg-soft);color:var(--ink)}@media(max-width:860px){.nav{display:none}}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:50px;padding:0 24px;border-radius:999px;border:0;font:inherit;font-weight:600;font-size:1rem;cursor:pointer;text-decoration:none;transition:transform .15s ease,background .15s ease}.btn:active{transform:scale(.98)}.btn-primary{background:var(--ink);color:var(--bg)}.btn-primary:hover{color:var(--bg);background:color-mix(in srgb,var(--ink) 86%,var(--accent))}.btn-soft{background:var(--bg-soft);color:var(--ink)}.btn-soft:hover{color:var(--ink);background:var(--line)}.btn-yellow{background:var(--highlight);color:#0f1b33}.btn-yellow:hover{color:#0f1b33;filter:brightness(1.05)}.hero{padding:clamp(48px,9vw,112px) 0 clamp(48px,7vw,88px);display:grid;grid-template-columns:1.1fr 1fr;gap:clamp(32px,5vw,72px);align-items:center}.hero-copy p.lead{font-size:clamp(1.1rem,2.2vw,1.3rem);color:var(--ink-2);max-width:34ch;margin:24px 0 32px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.hero-trust{display:flex;gap:20px;flex-wrap:wrap;margin-top:32px;font-size:.9rem;color:var(--muted)}.hero-trust span{display:inline-flex;align-items:center;gap:8px}.hero-trust span:before{content:"";width:8px;height:8px;border-radius:50%;background:var(--accent)}@media(max-width:900px){.hero{grid-template-columns:1fr}}.section{padding:clamp(48px,8vw,96px) 0}.section-soft{background:var(--bg-soft)}.section-head{display:flex;justify-content:space-between;align-items:end;gap:16px;margin-bottom:32px;flex-wrap:wrap}.section-head p{color:var(--muted);margin:8px 0 0;max-width:46ch}.bento{display:grid;grid-template-columns:repeat(6,1fr);gap:16px}.tile{grid-column:span 2;display:flex;flex-direction:column;gap:16px;padding:28px;border-radius:var(--r-lg);background:var(--tint);color:var(--tile-ink);text-decoration:none;min-height:230px;position:relative;overflow:hidden;transition:transform .2s ease}.tile:nth-child(1),.tile:nth-child(2){grid-column:span 3}.tile:hover{transform:translateY(-3px);color:var(--tile-ink)}.tile-icon{width:52px;height:52px;border-radius:16px;display:grid;place-items:center;background:#ffffffa6}.tile-icon svg{width:28px;height:28px}.tile h3{color:var(--tile-ink);font-size:1.6rem}.tile p{margin:0;opacity:.85;font-size:.98rem}.tile-links{margin-top:auto;display:flex;flex-wrap:wrap;gap:8px}.tile-links span{background:#ffffffb3;padding:6px 12px;border-radius:999px;font-size:.88rem;font-weight:500}.tile-soon{margin-top:auto;font-size:.88rem;opacity:.7}@media(prefers-color-scheme:dark){.tile{background:color-mix(in srgb,var(--tint) 14%,var(--surface));color:var(--ink)}.tile h3,.tile:hover{color:var(--ink)}.tile-icon,.tile-links span{background:#ffffff12}.tile-icon svg{stroke:var(--tint)}}@media(max-width:900px){.tile,.tile:nth-child(1),.tile:nth-child(2){grid-column:span 3}}@media(max-width:620px){.bento{grid-template-columns:1fr}.tile,.tile:nth-child(1),.tile:nth-child(2){grid-column:auto;min-height:0}}.latest{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:16px}.latest a{display:flex;flex-direction:column;gap:10px;padding:24px;border-radius:var(--r-md);background:var(--surface);border:1px solid var(--line);color:var(--ink);text-decoration:none;transition:border-color .15s ease}.latest a:hover{border-color:var(--accent);color:var(--ink)}.latest .hub-dot{font-size:.85rem;color:var(--muted);display:inline-flex;align-items:center;gap:8px}.latest .hub-dot:before{content:"";width:10px;height:10px;border-radius:50%;background:var(--dot)}.latest strong{font-family:var(--display);font-size:1.25rem;letter-spacing:-.015em;line-height:1.2}.latest p{margin:0;color:var(--ink-2);font-size:.95rem;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}.calc{background:var(--surface);border-radius:var(--r-lg);box-shadow:var(--shadow);border:1px solid var(--line);padding:clamp(20px,3vw,32px)}.calc-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:20px}.calc-head h2,.calc-head h3{font-size:1.35rem}.calc-tag{font-size:.8rem;font-weight:600;color:var(--accent);background:var(--accent-tint);padding:4px 10px;border-radius:999px;white-space:nowrap}.calc label{display:block;font-weight:600;font-size:.95rem;margin-bottom:10px}.calc-input{display:flex;align-items:center;gap:16px;margin-bottom:24px}.calc-input input[type=range]{flex:1;accent-color:var(--accent);height:32px}.calc-input .amount{display:flex;align-items:center;gap:6px;border:1px solid var(--line);border-radius:var(--r-sm);padding:0 12px;height:48px;background:var(--bg)}.calc-input .amount input{width:72px;border:0;background:transparent;font:inherit;font-weight:600;color:var(--ink);text-align:right;font-variant-numeric:tabular-nums}.calc-input .amount input:focus{outline:none}.calc-input .amount:focus-within{outline:3px solid var(--highlight);outline-offset:2px}.bars{display:grid;gap:14px}.bar-row{display:grid;grid-template-columns:132px 1fr auto;align-items:center;gap:12px;font-size:.95rem}.bar-track{height:14px;border-radius:999px;background:var(--bg-soft);overflow:hidden}.bar-fill{height:100%;border-radius:999px;background:var(--accent);width:0;transition:width .35s cubic-bezier(.2,.8,.2,1)}.bar-row.high .bar-fill{background:var(--ink)}.bar-row output{font-weight:650;font-variant-numeric:tabular-nums;min-width:90px;text-align:right}.calc-result{margin-top:22px;padding:16px 18px;border-radius:var(--r-md);background:var(--highlight-tint);color:var(--ink);font-size:1rem;line-height:1.5}.calc-result strong{font-variant-numeric:tabular-nums}.calc-note{margin:14px 0 0;font-size:.82rem;color:var(--muted)}@media(prefers-reduced-motion:reduce){.bar-fill{transition:none}}@media(max-width:560px){.bar-row{grid-template-columns:1fr auto;gap:6px 12px}.bar-row .bar-track{grid-column:1 / -1;grid-row:2}.bar-row output{grid-row:1;grid-column:2}}.topic-hero{background:var(--tint);color:var(--tile-ink);padding:clamp(40px,7vw,80px) 0 clamp(96px,12vw,140px)}.topic-hero h1{color:var(--tile-ink);max-width:16ch}.topic-hero .crumb{display:inline-flex;align-items:center;gap:8px;color:var(--tile-ink);text-decoration:none;font-weight:600;font-size:.95rem;margin-bottom:20px;background:#fff9;padding:6px 14px 6px 8px;border-radius:999px}.topic-hero .crumb svg{width:20px;height:20px}@media(prefers-color-scheme:dark){.topic-hero{background:color-mix(in srgb,var(--tint) 12%,var(--bg));color:var(--ink)}.topic-hero h1,.topic-hero .crumb{color:var(--ink)}.topic-hero .crumb{background:#ffffff12}.topic-hero .crumb svg{stroke:var(--tint)}}.answer-card{margin-top:calc(-1*clamp(64px,9vw,100px));background:var(--surface);border-radius:var(--r-lg);box-shadow:var(--shadow);border:1px solid var(--line);padding:clamp(24px,4vw,40px);max-width:820px}.answer-card .label{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:.9rem;color:var(--ink-2);margin-bottom:12px}.answer-card .label:before{content:"";width:22px;height:6px;border-radius:3px;background:var(--highlight)}.answer-card p.answer{font-size:clamp(1.2rem,2.4vw,1.45rem);line-height:1.5;font-weight:500;margin:0;letter-spacing:-.01em}.answer-card .meta{margin-top:18px;font-size:.85rem;color:var(--muted);display:flex;gap:16px;flex-wrap:wrap}.toc{display:flex;gap:8px;flex-wrap:wrap;margin:20px 0 0}.toc a{font-size:.9rem;font-weight:500;text-decoration:none;color:var(--ink-2);background:var(--bg-soft);padding:8px 14px;border-radius:999px}.toc a:hover{color:var(--ink);background:var(--line)}.topic-body{padding:clamp(40px,6vw,72px) 0 32px}.topic-tool{margin-bottom:clamp(48px,7vw,80px);max-width:820px;scroll-margin-top:90px}.prose{max-width:var(--measure)}.prose h2{margin:56px 0 16px;scroll-margin-top:90px}.prose h3{margin:32px 0 8px}.prose ul,.prose ol{padding-left:1.25em}.prose li{margin-bottom:8px}.prose li::marker{color:var(--accent);font-weight:700}.prose strong{font-weight:650}.prose table{width:100%;border-collapse:separate;border-spacing:0;margin:24px 0;font-size:.97rem;font-variant-numeric:tabular-nums;border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden}.prose th{text-align:left;background:var(--bg-soft);font-weight:650;padding:12px 16px}.prose td{padding:12px 16px;border-top:1px solid var(--line);vertical-align:top}.prose mark{background:linear-gradient(transparent 55%,var(--highlight-tint) 55%);color:inherit}.faq{max-width:var(--measure);margin-top:56px}.faq h2{margin-bottom:16px;scroll-margin-top:90px}.faq details{background:var(--bg-soft);border-radius:var(--r-md);margin-bottom:10px;padding:0 20px}.faq summary{cursor:pointer;list-style:none;font-weight:600;display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:60px}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"";flex:none;width:28px;height:28px;border-radius:50%;background:var(--surface) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230f766e' stroke-width='2.5' stroke-linecap='round'%3E%3Cpath d='M12 6v12M6 12h12'/%3E%3C/svg%3E") center/16px no-repeat;transition:transform .2s ease}.faq details[open] summary:after{transform:rotate(45deg)}.faq details p{padding-bottom:18px;margin:0;color:var(--ink-2)}.sources{max-width:var(--measure);margin-top:48px;font-size:.92rem;color:var(--muted)}.sources h2{font-size:1.1rem;margin-bottom:8px}.sources ul{padding-left:1.2em;margin:0}.note{max-width:var(--measure);font-size:.85rem;color:var(--muted);margin-top:24px}.nl{margin:clamp(56px,8vw,96px) 0;border-radius:var(--r-lg);background:var(--ink);color:var(--bg);padding:clamp(28px,5vw,56px);display:grid;grid-template-columns:1.4fr 1fr;gap:24px;align-items:center;position:relative;overflow:hidden}.nl>*{position:relative;z-index:1}.nl h2{color:var(--bg)}.nl h2:before{content:"";display:block;width:40px;height:8px;border-radius:4px;background:var(--highlight);margin-bottom:18px}.nl p{margin:12px 0 0;color:color-mix(in srgb,var(--bg) 75%,transparent)}.nl .nl-action{justify-self:end}.nl .wl{width:min(100%,420px)}.wl .wl-row{display:flex;gap:8px;flex-wrap:wrap}.wl .wl-row[hidden]{display:none}.wl input[type=email]{flex:1 1 200px;min-height:50px;padding:0 20px;border-radius:999px;border:2px solid transparent;font:inherit;background:var(--bg);color:var(--ink)}.wl input[type=email]::placeholder{color:var(--muted)}.wl .wl-trap{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}.nl .wl-note{font-size:.85rem;margin:12px 0 0}.nl .wl-note a{color:var(--bg)}.nl .wl-status{font-weight:600;color:var(--bg);margin:12px 0 0;min-height:1.5em}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}@media(max-width:760px){.nl{grid-template-columns:1fr}.nl .nl-action{justify-self:start}}.site-foot{border-top:1px solid var(--line);padding:40px 0 48px;font-size:.9rem;color:var(--muted)}.site-foot .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px}.site-foot a{color:var(--muted)}.site-foot nav{display:flex;align-items:center;gap:20px}.site-foot .linklike{background:none;border:0;padding:0;font:inherit;color:var(--muted);text-decoration:underline;cursor:pointer;min-height:44px}.page{padding:clamp(40px,7vw,80px) 0}.page h1{font-size:clamp(2rem,5vw,3rem);margin-bottom:24px}.consent{position:fixed;left:16px;right:16px;bottom:16px;max-width:460px;margin-left:auto;background:var(--surface);color:var(--ink);border:1px solid var(--line);border-radius:var(--r-md);padding:20px;box-shadow:var(--shadow);z-index:40;font-size:.95rem}.consent[hidden]{display:none}.consent p{margin-bottom:14px}.consent .row{display:flex;gap:8px;flex-wrap:wrap}.consent .btn{min-height:44px;padding:0 18px}@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}