@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@600;700;800&display=swap');
:root{--ink:#10213e;--blue:#163c8c;--teal:#0b8f85;--coral:#ff7a59;--cream:#f6f3eb;--paper:#fff;--line:#d9e0e9;--muted:#60708a;--radius:18px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:76px}body{margin:0;color:var(--ink);background:var(--paper);font-family:'DM Sans',sans-serif;font-size:16px;line-height:1.65}a{color:inherit;text-decoration:none}h1,h2,h3,.brand{font-family:'Manrope',sans-serif;line-height:1.12;margin:0}h1{font-size:clamp(2.7rem,7vw,5.75rem);letter-spacing:-.055em}h2{font-size:clamp(2rem,4vw,3.4rem);letter-spacing:-.04em}h3{font-size:1.18rem;letter-spacing:-.02em}.site-header{height:76px;display:flex;align-items:center;justify-content:space-between;padding:0 max(5vw,24px);border-bottom:1px solid var(--line);position:sticky;top:0;background:#fff;z-index:100}.brand{display:flex;align-items:center;gap:10px;font-size:1.2rem;font-weight:800}.brand-logo{display:block;width:42px;height:42px;flex:0 0 42px}.site-header nav{display:flex;align-items:center;gap:30px;font-weight:600;font-size:.94rem}.site-header nav a:hover{color:var(--teal)}.menu{display:none;border:1px solid var(--line);background:#fff;border-radius:9px;padding:8px 12px;font:inherit}.search-nav{width:40px;height:40px;display:inline-flex!important;align-items:center;justify-content:center;border:1px solid var(--line);border-radius:10px;color:var(--ink);transition:background .18s ease,color .18s ease,border-color .18s ease}.search-nav:hover{background:var(--blue);border-color:var(--blue);color:#fff!important}.search-nav svg{fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round}.search-label{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.hero{min-height:680px;display:grid;grid-template-columns:minmax(0,1.45fr) minmax(320px,.55fr);gap:7vw;align-items:center;padding:86px max(5vw,24px);background:linear-gradient(120deg,#eef5ff 0 58%,#d8f2ed 58%)}.hero h1{max-width:870px}.hero h1 em{font-style:normal;color:var(--teal)}.lead{font-size:clamp(1.1rem,2vw,1.35rem);color:#40516c;max-width:730px}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-weight:800;font-size:.76rem;color:var(--blue);margin:0 0 18px}.actions{display:flex;gap:12px;margin:34px 0}.btn{display:inline-flex;justify-content:center;align-items:center;padding:13px 19px;border-radius:12px;font-weight:700;border:1px solid transparent;cursor:pointer}.btn.primary{background:var(--blue);color:#fff}.btn.secondary{background:#fff;border-color:var(--blue);color:var(--blue)}.btn.ink{background:var(--ink);color:#fff;margin-top:16px}.trust{display:flex;gap:12px;flex-wrap:wrap}.trust span{background:#fff9;border:1px solid #cbd8e7;border-radius:99px;padding:6px 11px;font-size:.78rem;font-weight:700}.hero-panel{background:var(--ink);color:#fff;padding:24px;border-radius:24px;box-shadow:16px 16px 0 #ff7a59}.panel-label{color:#9fe1d9;text-transform:uppercase;letter-spacing:.16em;font-size:.7rem;font-weight:800}.hero-panel a{display:grid;grid-template-columns:38px 1fr;gap:0 10px;padding:22px 0;border-top:1px solid #ffffff26}.hero-panel a span{grid-row:1/3;color:#9fe1d9;font-weight:700}.hero-panel a small{color:#b7c1d3}.quick{display:grid;grid-template-columns:repeat(4,1fr);max-width:1180px;margin:-36px auto 0;background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:0 15px 50px #10213e13;position:relative}.quick a{padding:22px 24px;display:flex;align-items:center;gap:12px;font-weight:700;border-right:1px solid var(--line)}.quick a:last-child{border:0}.quick span{width:34px;height:34px;display:grid;place-items:center;background:#e9f0ff;color:var(--blue);border-radius:9px;font-weight:800}.section{padding:110px max(5vw,24px);max-width:1440px;margin:auto}.section-head{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:42px}.section-head>p{max-width:480px;color:var(--muted)}.grid{display:grid;gap:20px}.cards{grid-template-columns:repeat(2,1fr)}.cards.three{grid-template-columns:repeat(3,1fr)}.card{border:1px solid var(--line);padding:26px;border-radius:var(--radius);background:#fff;display:flex;flex-direction:column;min-height:260px}.card.featured{background:var(--blue);color:#fff}.card.featured p,.card.featured .card-top{color:#cfdbef}.card.featured .tag{background:#fff;color:var(--blue)}.card h3{font-size:1.45rem;margin:24px 0 10px}.card p{color:var(--muted);margin-top:0}.card-top{display:flex;justify-content:space-between;color:var(--muted);font-size:.75rem;font-weight:700}.tag{display:inline-block;background:#e8f5f2;color:#08756e;padding:5px 10px;border-radius:99px;font-size:.72rem;font-weight:800}.text-link{color:var(--blue);font-weight:800;margin-top:auto}.featured .text-link{color:#fff}.category-band{background:var(--coral);padding:88px max(5vw,24px);display:grid;grid-template-columns:.8fr 1.2fr;gap:8vw;align-items:center}.category-band>div:first-child{max-width:520px}.category-band h2{font-size:clamp(2.4rem,5vw,4.8rem)}.stack{display:grid;gap:14px}.stack .card{min-height:auto}.split{display:grid;grid-template-columns:.8fr 1.2fr;gap:7vw;align-items:start}.number-block{height:420px;border-radius:28px;background:var(--teal);color:#fff;display:flex;flex-direction:column;justify-content:end;padding:36px;position:relative;overflow:hidden}.number-block:before{content:'RM';font-family:Manrope;font-weight:800;font-size:16rem;line-height:.8;position:absolute;top:-15px;right:-30px;color:#ffffff16}.number-block strong{font:800 3.5rem Manrope}.number-block span{font-size:1.2rem}.split .card{margin-top:34px}.newsletter{margin:20px max(5vw,24px);padding:60px;display:grid;grid-template-columns:1fr 1fr;gap:8vw;background:var(--cream);border-radius:26px}.lead-form{display:grid;grid-template-columns:1fr 1fr;gap:14px}.lead-form label{font-size:.78rem;font-weight:800}.lead-form input{display:block;width:100%;margin-top:6px;padding:14px;border:1px solid #bdc6d4;border-radius:10px;font:inherit;background:#fff}.lead-form button,.form-note,.form-success{grid-column:1/-1}.form-note{color:var(--muted);font-size:.78rem;margin:0}.form-success{color:var(--teal);font-weight:700;margin:0}.article-list{border-top:1px solid var(--line)}.article-list>a{display:grid;grid-template-columns:55px 1fr auto;align-items:center;gap:18px;border-bottom:1px solid var(--line);padding:24px 8px}.article-list>a>span{font:700 1.5rem Manrope;color:#9aa7b9}.article-list small{color:var(--muted)}.article-list h3{font-size:1.18rem;margin-top:4px}.article-list a:hover h3{color:var(--blue)}footer{background:var(--ink);color:#fff;padding:70px max(5vw,24px) 30px;display:grid;grid-template-columns:1fr 1fr;gap:40px}.brand.light{color:#fff}footer p{color:#adb8c9;max-width:450px}.footer-links{display:flex;justify-content:flex-end;gap:28px}.fine{grid-column:1/-1;border-top:1px solid #ffffff22;padding-top:24px;font-size:.8rem;max-width:none}.article{max-width:1240px;margin:auto;padding:45px 24px 110px}.crumbs{display:flex;gap:10px;color:var(--muted);font-size:.85rem}.article-head{text-align:center;max-width:930px;margin:60px auto 45px}.article-head h1{font-size:clamp(2.4rem,6vw,5rem);margin:20px 0}.article-head>p{font-size:1.25rem;color:var(--muted)}.article-head>div{display:flex;justify-content:center;gap:18px;flex-wrap:wrap;font-size:.82rem;color:var(--muted)}.article-share{max-width:930px;margin:-18px auto 34px;padding:14px 16px;border:1px solid var(--line);border-radius:14px;background:#fff;display:flex;align-items:center;justify-content:space-between;gap:16px}.article-share>span{font-weight:800;font-size:.9rem}.article-share>div{display:flex;gap:8px;flex-wrap:wrap}.share-action{appearance:none;border:1px solid var(--line);background:#fff;color:var(--ink);border-radius:999px;padding:8px 13px;font:700 .82rem 'DM Sans',sans-serif;line-height:1.2;cursor:pointer;transition:background .18s ease,border-color .18s ease,color .18s ease}.share-action:hover,.share-action:focus-visible{background:var(--blue);border-color:var(--blue);color:#fff;outline:none}.share-whatsapp:hover,.share-whatsapp:focus-visible{background:#128c7e;border-color:#128c7e}.share-status{margin:0;color:var(--teal);font-size:.82rem;font-weight:700;min-width:0}.article-share .share-status:empty{display:none}.answer-box{max-width:880px;margin:0 auto 55px;background:#e9f4ff;border-left:5px solid var(--blue);padding:24px 28px;border-radius:0 14px 14px 0}.answer-box p{margin-bottom:0}.article-layout{display:grid;grid-template-columns:240px minmax(0,760px);gap:70px;justify-content:center;min-width:0}.article-layout aside{position:sticky;top:30px;height:max-content;border-left:2px solid var(--line);padding-left:18px;display:grid;gap:10px;font-size:.84rem}.article-layout aside a{color:var(--muted)}.prose{font-size:1.08rem;min-width:0;max-width:100%;overflow-wrap:anywhere}.prose>p:first-child{font-size:1.25rem;color:#354761}.prose section{padding-top:35px}.prose h2{font-size:2rem}.tip,.disclaimer{margin:30px 0;padding:22px 24px;border-radius:14px;background:#eef8f6}.tip p,.disclaimer p{margin-bottom:0}.disclaimer{background:#fff1ed}details{border-bottom:1px solid var(--line);padding:16px 0}summary{font-weight:700;cursor:pointer}.simple-page{max-width:900px;margin:auto;padding:110px 24px;min-height:60vh}.simple-page h1{font-size:clamp(3rem,7vw,5.5rem)}
@media(max-width:850px){.search-nav{width:auto;height:auto;display:flex!important;justify-content:flex-start;border:0;border-radius:0}.search-nav:hover{background:transparent;color:var(--teal)!important}.search-nav svg{display:none}.search-label{position:static;width:auto;height:auto;margin:0;overflow:visible;clip:auto;white-space:normal}.site-header nav{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;padding:24px;flex-direction:column;border-bottom:1px solid var(--line)}.site-header nav.open{display:flex}.menu{display:block}.hero{grid-template-columns:1fr;background:linear-gradient(145deg,#eef5ff,#d8f2ed);padding-top:60px}.hero-panel{box-shadow:9px 9px 0 var(--coral)}.quick{grid-template-columns:1fr 1fr;margin:20px 24px 0}.quick a:nth-child(2){border-right:0}.quick a:nth-child(-n+2){border-bottom:1px solid var(--line)}.cards,.cards.three,.category-band,.split,.newsletter{grid-template-columns:1fr}.category-band{gap:40px}.number-block{height:300px}.newsletter{padding:36px 24px}.article-layout{grid-template-columns:minmax(0,1fr);width:100%;justify-content:stretch}.article-layout aside{display:none}.footer-links{justify-content:flex-start;flex-wrap:wrap}}@media(max-width:540px){h1{font-size:3rem}.hero{padding:50px 20px}.quick{margin:16px 16px 0}.quick a{padding:16px 12px;font-size:.82rem}.section{padding:74px 20px}.section-head{display:block}.cards{grid-template-columns:1fr}.category-band{padding:70px 20px}.newsletter{margin:10px 16px}.lead-form{grid-template-columns:1fr}.lead-form>*{grid-column:1}.trust{gap:7px}.article-head{text-align:left}.article-head>div{justify-content:flex-start}footer{grid-template-columns:1fr}.footer-links{flex-direction:column;gap:10px}}
.prose ul,.prose ol{padding-left:1.35rem}.prose li{margin:.65rem 0}.checklist{list-style:none;padding-left:0!important}.checklist li{position:relative;padding:12px 14px 12px 44px;margin:8px 0!important;background:#f6f8fb;border-radius:10px}.checklist li:before{content:'✓';position:absolute;left:15px;top:11px;width:20px;height:20px;display:grid;place-items:center;border-radius:50%;background:var(--teal);color:#fff;font-size:.75rem;font-weight:800}.steps{counter-reset:item;list-style:none;padding:0!important}.steps li{position:relative;padding:4px 0 20px 52px;min-height:44px}.steps li:before{counter-increment:item;content:counter(item);position:absolute;left:0;top:0;width:34px;height:34px;display:grid;place-items:center;border-radius:10px;background:var(--blue);color:#fff;font-weight:800}.fact-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:24px 0}.fact-grid>div{display:flex;flex-direction:column;padding:16px;background:#f3f7fd;border-radius:12px}.fact-grid span{color:var(--muted);font-size:.9rem}.table-wrap{width:100%;max-width:100%;min-width:0;overflow-x:auto;margin:25px 0;border:1px solid var(--line);border-radius:14px}.table-wrap table{width:100%;border-collapse:collapse;min-width:560px}.table-wrap th,.table-wrap td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top}.table-wrap th{background:var(--ink);color:#fff;font-size:.82rem}.table-wrap tr:last-child td{border-bottom:0}.formula{margin:22px 0;padding:18px 20px;border-left:4px solid var(--coral);background:#fff3ef;font-weight:700}.warning{margin:26px 0;padding:20px 22px;border-radius:14px;background:#fff0e6;border:1px solid #ffd2b8}.warning p{margin-bottom:0}.sources{margin-top:10px;padding:22px 24px;border-radius:14px;background:#f3f7fd;border:1px solid #dbe5f2}.sources p{font-size:.82rem;color:var(--muted);margin-bottom:0}.sources a{color:var(--blue);text-decoration:underline;text-underline-offset:3px}@media(max-width:540px){.fact-grid{grid-template-columns:1fr}}

.search-page{padding-top:70px}.search-page .section-head{align-items:start}.search-controls{display:grid;gap:20px;margin:0 0 28px;padding:24px;border:1px solid var(--line);border-radius:18px;background:#f7f9fc}.search-field{display:block;font-size:.82rem;font-weight:800}.search-field input{display:block;width:100%;margin-top:7px;padding:15px 16px;border:1px solid #aeb9c8;border-radius:11px;background:#fff;color:var(--ink);font:inherit}.search-field input:focus{outline:3px solid #163c8c26;border-color:var(--blue)}.search-filters{display:flex;gap:9px;flex-wrap:wrap}.search-filter{padding:8px 13px;border:1px solid #b9c4d2;border-radius:999px;background:#fff;color:var(--ink);font:600 .86rem 'DM Sans',sans-serif;cursor:pointer}.search-filter:hover,.search-filter.active{border-color:var(--blue);background:var(--blue);color:#fff}.search-meta{display:flex;align-items:center;justify-content:space-between;gap:20px;margin-bottom:20px}.search-meta p{margin:0;color:var(--muted);font-weight:700}.search-empty{grid-column:1/-1;padding:52px 24px;text-align:center;border:1px dashed #b8c3d1;border-radius:16px;background:#f7f9fc}.search-empty h2{font-size:1.5rem;margin-bottom:8px}.search-empty p{margin:0;color:var(--muted)}.search-result[hidden]{display:none}
@media(max-width:540px){.search-page{padding-top:42px}.search-page .section-head{margin-bottom:28px}.search-controls{padding:18px}.search-filters{flex-wrap:nowrap;overflow-x:auto;padding-bottom:4px;scrollbar-width:thin}.search-filter{flex:0 0 auto}.search-meta{align-items:flex-start;flex-direction:column;gap:6px}}
.related-guides{padding-top:0}.related-guides .section-head{padding-top:52px;border-top:1px solid var(--line)}@media(max-width:540px){.related-guides{padding-top:0}.related-guides .section-head{padding-top:38px}}

.btn.text-cta{color:var(--blue);padding-left:8px;padding-right:8px}.btn.text-cta:hover{color:var(--teal)}.consultation-cta{max-width:1180px;margin:0 auto 90px;padding:38px 42px;display:flex;align-items:center;justify-content:space-between;gap:40px;background:var(--ink);color:#fff;border-radius:22px}.consultation-cta .eyebrow{color:#9fe1d9}.consultation-cta h2{font-size:clamp(1.8rem,3vw,2.7rem);max-width:680px}.consultation-cta p:not(.eyebrow){margin-bottom:0;color:#c7d1df}.consultation-cta .btn{flex:0 0 auto;background:var(--coral)}.contact-page{padding-top:70px}.contact-layout{display:grid;grid-template-columns:minmax(0,.85fr) minmax(460px,1.15fr);gap:7vw;align-items:start;margin-top:54px}.contact-layout h1{font-size:clamp(2.7rem,5vw,4.8rem)}.contact-points{display:grid;gap:16px;margin-top:38px}.contact-points>div{padding:18px 20px;border-left:3px solid var(--teal);background:#f5f8fc}.contact-points p{margin:4px 0 0;color:var(--muted)}.consultation-form{padding:28px;border:1px solid var(--line);border-radius:20px;background:#f7f9fc;box-shadow:0 18px 50px #10213e12}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:17px}.consultation-form label{font-size:.8rem;font-weight:800}.consultation-form label>span{color:var(--muted);font-weight:500}.consultation-form input:not([type=checkbox]),.consultation-form select,.consultation-form textarea{display:block;width:100%;margin-top:7px;padding:13px 14px;border:1px solid #b7c2d0;border-radius:10px;background:#fff;color:var(--ink);font:inherit}.consultation-form textarea{resize:vertical}.consultation-form input:focus,.consultation-form select:focus,.consultation-form textarea:focus{outline:3px solid #163c8c24;border-color:var(--blue)}.form-wide{grid-column:1/-1}.consent{display:flex;align-items:flex-start;gap:10px}.consent input{margin-top:4px;accent-color:var(--blue)}.consultation-form .form-note,.consultation-form .form-success{margin:0}.consultation-form .form-success{padding:12px 14px;border-radius:9px;background:#e8f5f2}
@media(max-width:850px){.consultation-cta{margin:0 24px 74px;align-items:flex-start;flex-direction:column}.contact-layout{grid-template-columns:1fr;margin-top:38px}.contact-page{padding-top:48px}}
@media(max-width:540px){.actions .text-cta{width:100%;justify-content:flex-start;padding-left:0}.consultation-cta{margin:0 16px 58px;padding:28px 24px;gap:24px}.consultation-cta .btn{width:100%}.contact-page{padding-top:34px}.contact-layout{gap:34px}.consultation-form{padding:20px}.form-grid{grid-template-columns:1fr}.form-grid>*{grid-column:1}}

@media(max-width:540px){.article-share{align-items:flex-start;flex-direction:column;margin-top:-12px}.article-share>div{width:100%}.share-action{flex:1;text-align:center;min-width:88px}}