@font-face{font-family:"Source Serif 4 Variable";font-style:normal;font-display:swap;font-weight:200 900;src:url(/_astro/source-serif-4-cyrillic-ext-wght-normal.cHuGMAiY.woff2)format("woff2-variations");unicode-range:U+460-52F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F}@font-face{font-family:"Source Serif 4 Variable";font-style:normal;font-display:swap;font-weight:200 900;src:url(/_astro/source-serif-4-cyrillic-wght-normal.DwHjdM4S.woff2)format("woff2-variations");unicode-range:U+301,U+400-45F,U+490-491,U+4B0-4B1,U+2116}@font-face{font-family:"Source Serif 4 Variable";font-style:normal;font-display:swap;font-weight:200 900;src:url(/_astro/source-serif-4-greek-wght-normal.ece1310W.woff2)format("woff2-variations");unicode-range:U+370-377,U+37A-37F,U+384-38A,U+38C,U+38E-3A1,U+3A3-3FF}@font-face{font-family:"Source Serif 4 Variable";font-style:normal;font-display:swap;font-weight:200 900;src:url(/_astro/source-serif-4-vietnamese-wght-normal.D-yuW59g.woff2)format("woff2-variations");unicode-range:U+102-103,U+110-111,U+128-129,U+168-169,U+1A0-1A1,U+1AF-1B0,U+300-301,U+303-304,U+308-309,U+323,U+329,U+1EA0-1EF9,U+20AB}@font-face{font-family:"Source Serif 4 Variable";font-style:normal;font-display:swap;font-weight:200 900;src:url(/_astro/source-serif-4-latin-ext-wght-normal.CxNHBx-q.woff2)format("woff2-variations");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,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:"Source Serif 4 Variable";font-style:normal;font-display:swap;font-weight:200 900;src:url(/_astro/source-serif-4-latin-wght-normal.D9elroTD.woff2)format("woff2-variations");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:IBM Plex Sans;font-style:normal;font-display:swap;font-weight:400;src:url(/_astro/ibm-plex-sans-cyrillic-ext-400-normal.g30qAdWV.woff2)format("woff2"),url(/_astro/ibm-plex-sans-cyrillic-ext-400-normal.Dsrv2Tcn.woff)format("woff");unicode-range:U+460-52F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F}@font-face{font-family:IBM Plex Sans;font-style:normal;font-display:swap;font-weight:400;src:url(/_astro/ibm-plex-sans-cyrillic-400-normal.DZqxrq2p.woff2)format("woff2"),url(/_astro/ibm-plex-sans-cyrillic-400-normal.BTotfTJu.woff)format("woff");unicode-range:U+301,U+400-45F,U+490-491,U+4B0-4B1,U+2116}@font-face{font-family:IBM Plex Sans;font-style:normal;font-display:swap;font-weight:400;src:url(/_astro/ibm-plex-sans-greek-400-normal._efipK4i.woff2)format("woff2"),url(/_astro/ibm-plex-sans-greek-400-normal.D9ESIMu3.woff)format("woff");unicode-range:U+370-377,U+37A-37F,U+384-38A,U+38C,U+38E-3A1,U+3A3-3FF}@font-face{font-family:IBM Plex Sans;font-style:normal;font-display:swap;font-weight:400;src:url(/_astro/ibm-plex-sans-vietnamese-400-normal.DG4YqDda.woff2)format("woff2"),url(/_astro/ibm-plex-sans-vietnamese-400-normal.fK1oJ5dG.woff)format("woff");unicode-range:U+102-103,U+110-111,U+128-129,U+168-169,U+1A0-1A1,U+1AF-1B0,U+300-301,U+303-304,U+308-309,U+323,U+329,U+1EA0-1EF9,U+20AB}@font-face{font-family:IBM Plex Sans;font-style:normal;font-display:swap;font-weight:400;src:url(/_astro/ibm-plex-sans-latin-ext-400-normal.C5H60-Va.woff2)format("woff2"),url(/_astro/ibm-plex-sans-latin-ext-400-normal.RBey6euL.woff)format("woff");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,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:IBM Plex Sans;font-style:normal;font-display:swap;font-weight:400;src:url(/_astro/ibm-plex-sans-latin-400-normal.CDDApCn2.woff2)format("woff2"),url(/_astro/ibm-plex-sans-latin-400-normal.CYLoc0-x.woff)format("woff");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:IBM Plex Sans;font-style:normal;font-display:swap;font-weight:600;src:url(/_astro/ibm-plex-sans-cyrillic-ext-600-normal.DUMzJB7m.woff2)format("woff2"),url(/_astro/ibm-plex-sans-cyrillic-ext-600-normal.Bz0x94Yp.woff)format("woff");unicode-range:U+460-52F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F}@font-face{font-family:IBM Plex Sans;font-style:normal;font-display:swap;font-weight:600;src:url(/_astro/ibm-plex-sans-cyrillic-600-normal.71GNu3SW.woff2)format("woff2"),url(/_astro/ibm-plex-sans-cyrillic-600-normal.BGq0mW3O.woff)format("woff");unicode-range:U+301,U+400-45F,U+490-491,U+4B0-4B1,U+2116}@font-face{font-family:IBM Plex Sans;font-style:normal;font-display:swap;font-weight:600;src:url(/_astro/ibm-plex-sans-greek-600-normal.DzTrcv_p.woff2)format("woff2"),url(/_astro/ibm-plex-sans-greek-600-normal.D-CqTdkO.woff)format("woff");unicode-range:U+370-377,U+37A-37F,U+384-38A,U+38C,U+38E-3A1,U+3A3-3FF}@font-face{font-family:IBM Plex Sans;font-style:normal;font-display:swap;font-weight:600;src:url(/_astro/ibm-plex-sans-vietnamese-600-normal.DpPYBSTl.woff2)format("woff2"),url(/_astro/ibm-plex-sans-vietnamese-600-normal.DgdngZtN.woff)format("woff");unicode-range:U+102-103,U+110-111,U+128-129,U+168-169,U+1A0-1A1,U+1AF-1B0,U+300-301,U+303-304,U+308-309,U+323,U+329,U+1EA0-1EF9,U+20AB}@font-face{font-family:IBM Plex Sans;font-style:normal;font-display:swap;font-weight:600;src:url(/_astro/ibm-plex-sans-latin-ext-600-normal.DOrvGEcy.woff2)format("woff2"),url(/_astro/ibm-plex-sans-latin-ext-600-normal.DIrixKbi.woff)format("woff");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,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:IBM Plex Sans;font-style:normal;font-display:swap;font-weight:600;src:url(/_astro/ibm-plex-sans-latin-600-normal.CuJfVYMP.woff2)format("woff2"),url(/_astro/ibm-plex-sans-latin-600-normal.Cu4Hd6ag.woff)format("woff");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}:root{--paper:#f7f7f4;--surface:#fff;--ink:#15202b;--muted:#56616d;--rule:#dce0e3;--tile:#1f4e8c;--tile-deep:#173d6e;--tile-soft:#e7eef7;--ochre:#b7791f;--ochre-soft:#f7eedc;--ok:#2f7a55;--serif:"Source Serif 4 Variable", Georgia, "Times New Roman", serif;--sans:"IBM Plex Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;--measure:68ch;color-scheme:light}@media (prefers-color-scheme:dark){:root{--paper:#0f151c;--surface:#161e27;--ink:#e5e9ed;--muted:#9ba6b2;--rule:#2a3440;--tile:#8db0e6;--tile-deep:#b4cbef;--tile-soft:#1a2939;--ochre:#e1b066;--ochre-soft:#33281a;--ok:#6cc49a;color-scheme:dark}}*,:before,:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{background:var(--paper);color:var(--ink);font-family:var(--sans);text-rendering:optimizelegibility;margin:0;font-size:17px;line-height:1.65}img{max-width:100%;height:auto}a{color:var(--tile);text-underline-offset:3px;text-decoration-thickness:1px}a:hover{color:var(--tile-deep);text-decoration-thickness:2px}:focus-visible{outline:2px solid var(--tile);outline-offset:2px;border-radius:2px}.container{max-width:1120px;margin:0 auto;padding-inline:20px}.prose-width{max-width:760px}.tile-band{background-color:var(--tile);background-image:radial-gradient(circle at 50% 50%, var(--paper) 0 1.6px, transparent 2px), linear-gradient(45deg, transparent 46%, #ffffff47 46% 54%, transparent 54%), linear-gradient(-45deg, transparent 46%, #ffffff47 46% 54%, transparent 54%);background-size:10px 10px;height:10px}.site-header{background:var(--surface);border-bottom:1px solid var(--rule)}.site-header .inner{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:16px;padding-block:14px;display:flex}.brand{color:var(--ink);align-items:center;gap:10px;text-decoration:none;display:flex}.brand-mark{width:28px;height:28px}.brand-name{font-family:var(--serif);letter-spacing:-.01em;font-size:21px;font-weight:650}.site-nav{flex-wrap:wrap;gap:20px;font-size:15px;display:flex}.site-nav a{color:var(--muted);text-decoration:none}.site-nav a:hover,.site-nav a[aria-current=page]{color:var(--ink)}.site-nav .nav-cta{color:var(--tile);font-weight:600}h1,h2,h3{font-family:var(--serif);text-wrap:balance;letter-spacing:-.01em;line-height:1.2}h1{margin:0 0 16px;font-size:clamp(30px,4.6vw,44px);font-weight:650}h2{margin:44px 0 12px;font-size:clamp(23px,3vw,28px);font-weight:620}h3{margin:28px 0 8px;font-size:20px;font-weight:620}p,ul,ol{margin:0 0 16px}.eyebrow{letter-spacing:.08em;text-transform:uppercase;color:var(--tile);margin:0 0 10px;font-size:13px;font-weight:600}.lede{color:var(--muted);max-width:62ch;font-size:19px}.meta{color:var(--muted);font-variant-numeric:tabular-nums;font-size:14px}.article-grid{grid-template-columns:minmax(0,1fr) 260px;gap:56px;padding-block:40px 64px;display:grid}@media (width<=960px){.article-grid{grid-template-columns:minmax(0,1fr);gap:32px}.toc-rail{display:none}}.article-head{border-bottom:1px solid var(--rule);margin-bottom:8px;padding-bottom:22px}.answer{background:var(--tile-soft);border-radius:8px;margin:22px 0 8px;padding:18px 22px;font-size:18px;line-height:1.6}.answer .label{letter-spacing:.08em;text-transform:uppercase;color:var(--tile);margin-bottom:6px;font-size:12px;font-weight:600;display:block}.answer p{margin:0}.prose{max-width:var(--measure)}.prose h2{scroll-margin-top:20px}.prose li{margin-bottom:6px}.prose strong{font-weight:600}.prose blockquote{border-left:3px solid var(--ochre);color:var(--muted);margin:20px 0;padding:4px 0 4px 18px}.table-wrap,.prose table{display:block;overflow-x:auto}.prose table,table.data{border-collapse:collapse;background:var(--surface);border:1px solid var(--rule);font-variant-numeric:tabular-nums;border-radius:6px;width:100%;margin:18px 0 24px;font-size:15px;line-height:1.45}.prose th,.prose td,table.data th,table.data td{text-align:left;border-bottom:1px solid var(--rule);vertical-align:top;padding:10px 12px}.prose th,table.data th{color:var(--muted);background:var(--paper);font-size:13px;font-weight:600}.prose tr:last-child td,table.data tr:last-child td{border-bottom:0}table.data td.num,table.data th.num{text-align:right;white-space:nowrap}.prose code{background:var(--tile-soft);border-radius:3px;padding:1px 5px;font-size:.9em}.toc-rail{align-self:start;font-size:14px;position:sticky;top:24px}.toc-rail p{letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:10px;font-size:12px;font-weight:600}.toc-rail ol{gap:8px;margin:0;padding:0;list-style:none;display:grid}.toc-rail a{color:var(--muted);line-height:1.35;text-decoration:none;display:block}.toc-rail a:hover{color:var(--tile)}.disclaimer{color:var(--muted);border-top:1px solid var(--rule);margin-top:36px;padding-top:16px;font-size:14px}.sources{color:var(--muted);font-size:14px}.sources h2{margin-top:32px;font-size:20px}.sources ol{padding-left:20px}.sources li{word-break:break-word;margin-bottom:6px}.card-grid{grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:16px;display:grid}.card{background:var(--surface);border:1px solid var(--rule);color:var(--ink);border-radius:8px;flex-direction:column;gap:8px;padding:18px 20px;text-decoration:none;transition:border-color .15s;display:flex}.card:hover{border-color:var(--tile);color:var(--ink)}.card h3{margin:0;font-size:19px}.card p{color:var(--muted);margin:0;font-size:15px;line-height:1.5}.card .more{color:var(--tile);margin-top:auto;font-size:14px;font-weight:600}.hero{padding-block:56px 36px}.hero h1{max-width:18ch;font-size:clamp(34px,5.4vw,54px)}.hero .actions{flex-wrap:wrap;gap:12px;margin-top:24px;display:flex}.section{border-top:1px solid var(--rule);padding-block:36px}.section h2{margin-top:0}.changes{border:1px solid var(--rule);background:var(--surface);border-radius:8px;gap:0;display:grid;overflow:hidden}.change{border-bottom:1px solid var(--rule);grid-template-columns:170px minmax(0,1fr);gap:16px;padding:16px 20px;display:grid}.change:last-child{border-bottom:0}.change .when{color:var(--ochre);font-variant-numeric:tabular-nums;font-size:14px;font-weight:600}.change p{margin:0}@media (width<=640px){.change{grid-template-columns:minmax(0,1fr);gap:4px}}.btn{font:600 16px/1 var(--sans);background:var(--tile);color:#fff;border:1px solid var(--tile);cursor:pointer;border-radius:6px;justify-content:center;align-items:center;gap:8px;padding:14px 20px;text-decoration:none;display:inline-flex}.btn:hover{background:var(--tile-deep);border-color:var(--tile-deep);color:#fff}@media (prefers-color-scheme:dark){.btn,.btn:hover{color:#0f151c}}.btn.secondary{color:var(--tile);background:0 0}.btn.secondary:hover{background:var(--tile-soft);color:var(--tile-deep)}.enquiry{background:var(--surface);border:1px solid var(--rule);border-radius:10px;margin-top:40px;padding:24px}.enquiry h2{margin:0 0 6px;font-size:24px}.enquiry>p{color:var(--muted)}.form-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:14px 16px;display:grid}.form-grid .full{grid-column:1/-1}@media (width<=640px){.form-grid{grid-template-columns:minmax(0,1fr)}}label{margin-bottom:5px;font-size:14px;font-weight:600;display:block}input[type=text],input[type=email],input[type=number],select,textarea{width:100%;font:400 16px/1.4 var(--sans);color:var(--ink);background:var(--paper);border:1px solid var(--rule);border-radius:6px;padding:10px 12px}input:focus,select:focus,textarea:focus{outline:2px solid var(--tile);outline-offset:0;border-color:var(--tile)}textarea{resize:vertical;min-height:96px}.check{color:var(--muted);align-items:flex-start;gap:10px;font-size:14px;font-weight:400;display:flex}.check input{margin-top:4px}.hp{width:1px;height:1px;position:absolute;left:-10000px;overflow:hidden}.hint{color:var(--muted);margin-top:4px;font-size:13px}.calc{grid-template-columns:minmax(0,1fr) minmax(0,1fr);align-items:start;gap:28px;display:grid}@media (width<=860px){.calc{grid-template-columns:minmax(0,1fr)}}.calc fieldset{border:1px solid var(--rule);background:var(--surface);border-radius:8px;margin:0 0 16px;padding:16px 18px 18px}.calc legend{padding:0 6px;font-size:15px;font-weight:600}.calc .row{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-bottom:12px;display:grid}@media (width<=480px){.calc .row{grid-template-columns:minmax(0,1fr)}}.results{background:var(--surface);border:1px solid var(--rule);border-radius:10px;position:sticky;top:20px;overflow:hidden}.results .headline{background:var(--tile);color:#fff;padding:18px 20px}@media (prefers-color-scheme:dark){.results .headline{color:#0f151c}}.results .headline span{letter-spacing:.06em;text-transform:uppercase;opacity:.85;font-size:13px;display:block}.results .headline strong{font-family:var(--serif);font-variant-numeric:tabular-nums;font-size:36px;font-weight:650}.results dl{grid-template-columns:minmax(0,1fr) auto;gap:0 12px;margin:0;padding:8px 20px 16px;font-size:15px;display:grid}.results dt,.results dd{border-bottom:1px solid var(--rule);margin:0;padding:9px 0}.results dd{text-align:right;font-variant-numeric:tabular-nums;font-weight:600}.results dt.sub,.results dd.sub{color:var(--muted);font-size:14px;font-weight:400}.results .note{color:var(--muted);margin:0;padding:0 20px 18px;font-size:13px}.site-footer{background:var(--surface);border-top:1px solid var(--rule);color:var(--muted);margin-top:48px;font-size:14px}.site-footer .inner{grid-template-columns:2fr 1fr 1fr;gap:32px;padding-block:32px;display:grid}@media (width<=720px){.site-footer .inner{grid-template-columns:minmax(0,1fr);gap:20px}}.site-footer h2{font-family:var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--ink);margin:0 0 10px;font-size:13px}.site-footer ul{gap:6px;margin:0;padding:0;list-style:none;display:grid}.site-footer a{color:var(--muted);text-decoration:none}.site-footer a:hover{color:var(--tile)}@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}.sr-only{clip:rect(0,0,0,0);border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.stepped fieldset.step{border:0;min-width:0;margin:0 0 18px;padding:0}.stepped:not(.js-steps) fieldset.step+fieldset.step{border-top:1px solid var(--rule);padding-top:18px}.stepped:not(.js-steps) .step-nav [data-next],.stepped:not(.js-steps) .step-nav [data-back]{display:none}.step-count{letter-spacing:.06em;text-transform:uppercase;color:var(--tile);margin:0 0 12px;font-size:13px;font-weight:600}.step-nav{flex-wrap:wrap;gap:10px;margin-top:16px;display:flex}.label{margin-bottom:8px;font-size:14px;font-weight:600;display:block}.optional{color:var(--muted);font-weight:400}.choices{grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:8px;display:grid}.choice{border:1px solid var(--rule);background:var(--paper);cursor:pointer;border-radius:6px;align-items:center;gap:10px;margin:0;padding:12px 14px;font-size:15px;font-weight:400;display:flex}.choice:has(input:checked){border-color:var(--tile);background:var(--tile-soft)}.choice input{accent-color:var(--tile);margin:0}.offer-banner{border:1px solid var(--tile);background:var(--surface);border-radius:8px;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px 20px;margin:14px 0 6px;padding:14px 18px;display:flex}.offer-banner p{margin:0;font-weight:600}.offer-banner span{color:var(--muted);font-size:14px;font-weight:400;display:block}.offer-banner .btn{padding:11px 16px;font-size:15px}
