.tk-list{list-style:none;padding:0}.tk-list li{padding:6px 0;border-bottom:1px solid #E3E7E4}.tk-list input{width:auto;margin-right:8px}.tk-progress{height:10px;background:#E3E7E4;border-radius:5px;overflow:hidden}#tk-bar{height:100%;width:0;background:#1F5E4A;transition:width .2s}
@media print{header,footer,.nav,.crumbs,.band,form,.share,.noprint,.tk-copy{display:none!important}body{font-size:12pt}.tk-list li{border:0}}
.keyfacts{background:#F6F7F5;border-left:4px solid #C9A227;border-radius:8px;padding:12px 20px;margin:20px 0}.keyfacts h2{margin-top:6px;font-size:1.15rem}.answer{font-size:1.1rem}
.share{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin:24px 0;padding-top:16px;border-top:1px solid #E3E7E4}.share a,.share button{display:inline-flex;align-items:center;color:#1F5E4A;background:none;border:1px solid #E3E7E4;border-radius:6px;padding:6px 8px;cursor:pointer;font:inherit;font-size:14px}.share a:hover,.share button:hover{border-color:#1F5E4A}.social a{color:inherit;margin-right:10px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font:17px/1.65 Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:#13223A;background:#fff}
h1,h2,h3{font-family:"Source Serif 4",Georgia,serif;line-height:1.2;color:#13223A}h1{font-size:clamp(1.9rem,4.4vw,2.9rem);margin:0 0 16px}h2{font-size:1.65rem;margin:48px 0 16px}h3{font-size:1.2rem;margin:24px 0 8px}
a{color:#1F5E4A}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #C9A227;outline-offset:2px}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}.narrow{max-width:780px}
header{border-bottom:1px solid #E3E7E4;background:#fff;position:sticky;top:0;z-index:5}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 24px;flex-wrap:wrap}
.logo{font-weight:700;text-decoration:none;color:#13223A;font-size:1.1rem}.logo span{color:#1F5E4A}
.nav ul{list-style:none;display:flex;gap:20px;margin:0;padding:0;flex-wrap:wrap}.nav ul a{text-decoration:none;color:#13223A;font-size:.95rem}.nav ul a:hover{color:#1F5E4A}
.btn{display:inline-block;background:#1F5E4A;color:#fff;border:0;border-radius:10px;padding:14px 22px;font-weight:600;font-size:1rem;text-decoration:none;cursor:pointer;text-align:center}.btn:hover{background:#174A3A}
.btn.sm{padding:9px 16px;white-space:nowrap}.btn.ghost{background:#fff;color:#1F5E4A;border:2px solid #1F5E4A}.hero{background:#F6F7F5;padding:48px 0}
.grid2{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:start}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
@media(max-width:900px){.grid2,.grid3,.grid4{grid-template-columns:1fr}.nav ul{display:none}.hero{padding:20px 0}.nav{flex-wrap:nowrap;padding:10px 16px}.hero .checks,.hero .trust{display:none}.hero .lede{font-size:1rem}h1{font-size:1.6rem}.grid2{gap:20px}}
.lede{font-size:1.15rem;color:#47525C;max-width:62ch}
.card{background:#fff;border:1px solid #E3E7E4;border-radius:10px;padding:24px;box-shadow:0 1px 2px rgba(19,34,58,.06),0 8px 24px rgba(19,34,58,.06)}
.card h3{margin-top:0}.num{display:inline-flex;width:36px;height:36px;border-radius:50%;background:#1F5E4A;color:#fff;align-items:center;justify-content:center;font-weight:700;margin-bottom:8px}
form label{display:block;font-weight:600;font-size:.9rem;margin:10px 0 4px}
input,select,textarea{width:100%;padding:11px 12px;border:1px solid #B9C2BD;border-radius:8px;font:inherit;font-size:16px;background:#fff;color:#13223A}
.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}@media(max-width:520px){.row{grid-template-columns:1fr}}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.85rem;color:#5B6670;margin:14px 0}.consent input{width:auto;margin-top:4px}
.fine{font-size:.84rem;color:#5B6670}.checks{list-style:none;padding:0}.checks li{padding-left:28px;position:relative;margin:8px 0}.checks li:before{content:"✓";position:absolute;left:0;color:#1F5E4A;font-weight:700}
section{padding:16px 0}.band{background:#13223A;color:#fff;padding:48px 0;margin-top:48px}.band h2{color:#fff;margin-top:0}.band .btn{background:#C9A227;color:#13223A}.band a:not(.btn){color:#fff}
table{width:100%;border-collapse:collapse;font-size:.95rem}td,th{border-bottom:1px solid #E3E7E4;padding:10px;text-align:left;vertical-align:top}th{background:#F6F7F5}
.tablewrap{overflow-x:auto}
footer{background:#F6F7F5;padding:40px 0;font-size:.92rem}footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:24px}@media(max-width:820px){footer .cols{grid-template-columns:1fr 1fr}}
footer ul{list-style:none;padding:0;margin:0}footer li{margin:6px 0}.hp{position:absolute;left:-9999px;height:0;width:0;overflow:hidden}
.crumbs{font-size:.85rem;color:#5B6670;padding:12px 0 0}.crumbs a{color:#5B6670}.updated{font-size:.85rem;color:#5B6670;margin:0 0 12px}


.answer{background:#F6F7F5;border-left:4px solid #1F5E4A;padding:16px 20px;border-radius:0 10px 10px 0;font-size:1.08rem}
.letter{background:#fff;border:1px solid #E3E7E4;border-radius:10px;padding:24px;font-family:Georgia,serif;white-space:pre-wrap;font-size:.98rem}
details{border-bottom:1px solid #E3E7E4;padding:12px 0}summary{font-weight:600;cursor:pointer}
sup.src{font-size:.72rem}.sources{margin-top:32px;border-top:1px solid #E3E7E4;padding-top:12px}
.calc output{font-size:1.6rem;font-weight:700;color:#1F5E4A;display:block}.kpi{font-family:"Source Serif 4",Georgia,serif;font-size:1.25rem}
.trust{display:flex;gap:18px;flex-wrap:wrap;font-size:.9rem;color:#47525C;margin-top:16px}.trust span:before{content:"●";color:#C9A227;margin-right:6px;font-size:.6rem;vertical-align:middle}