@font-face{font-family:PTRootUI;src:url("https://slt.cdn-chatium.io/get/msk_p2IOmj2U5S.woff2") format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:PTRootUI;src:url("https://slt.cdn-chatium.io/get/msk_RKUOVj26UQ.woff2") format("woff2");font-weight:500;font-display:swap}
@font-face{font-family:PTRootUI;src:url("https://slt.cdn-chatium.io/get/msk_ll9dOsOg3Q.woff2") format("woff2");font-weight:700;font-display:swap}
:root{--ink:#12316c;--muted:#667389;--paper:#f7f8fa;--surface:#fff;--line:#dde4ec;--yellow:#fbb726;--blue:#e9eff9;--green:#17745d;--site-width:1180px;--radius:16px;--control-radius:8px;--section-space:64px}
*{box-sizing:border-box}html{font-size:16px;scroll-behavior:smooth;scroll-padding-top:24px;scrollbar-gutter:stable}
body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.65 PTRootUI,Arial,sans-serif}
a{color:inherit}button,input,textarea,select{font:inherit}button,a,input,textarea,select{touch-action:manipulation}
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid #cc8b00;outline-offset:4px}
.site-wrap{width:min(var(--site-width),calc(100% - 64px));margin-inline:auto}
.site-header{display:flex;align-items:center;justify-content:space-between;gap:32px;min-height:110px;padding-block:24px}
.site-brand{display:block;flex:0 0 244px}.site-logo{display:block;width:244px;max-width:100%;height:auto}
.site-header .site-nav{display:flex;align-items:center;gap:28px;font-size:15px;line-height:24px}
.site-nav a{display:block;position:relative;white-space:nowrap;text-decoration:none;padding-block:10px;color:var(--ink)}
.site-nav a:hover{color:#42659d}.site-nav a[aria-current=page]::after{content:"";position:absolute;left:0;right:0;bottom:5px;height:2px;background:var(--yellow)}
.site-nav .nav-cabinet{padding:10px 17px;border:1px solid var(--line);border-radius:var(--control-radius)}.site-nav .nav-cabinet:hover{background:var(--blue);color:var(--ink)}
.eyebrow{font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;background:var(--yellow);color:var(--ink);border:0;border-radius:var(--control-radius);padding:14px 21px;min-height:48px;font-size:16px;font-weight:700;line-height:1.45;text-decoration:none;cursor:pointer}
.btn:hover{background:#ffc846}.btn:disabled{opacity:.55;cursor:default}.btn-secondary{background:var(--blue)}.btn-secondary:hover{background:#dfe8f6}
.text-link{text-decoration:none;border-bottom:1px solid #a5b3c9;padding-bottom:3px}.fineprint{font-size:13px;color:var(--muted)}
.site-footer{border-top:1px solid var(--line);margin-top:54px;padding:32px 0 40px;color:var(--muted);font-size:13px}
.footer-row{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}.footer-brand{margin:0}.footer-links{display:flex;gap:12px 22px;flex-wrap:wrap;max-width:650px;justify-content:flex-end;align-content:flex-start}.footer-links a{text-decoration:none}.footer-links a:hover{text-decoration:underline;text-underline-offset:4px}
.skip-link{position:absolute;left:20px;top:-100px}.skip-link:focus{top:12px;background:var(--surface);z-index:5;padding:10px}
@media(max-width:900px){.site-header{gap:20px}.site-header .site-nav{gap:20px;font-size:14px}.site-brand{flex-basis:220px}.site-logo{width:220px}}
@media(max-width:760px){:root{--section-space:40px}.site-wrap{width:calc(100% - 36px)}.site-header{min-height:0;align-items:flex-start;flex-direction:column;gap:17px;padding-block:23px}.site-brand{flex-basis:auto}.site-logo{width:215px}.site-header .site-nav{gap:20px;font-size:14px;flex-wrap:nowrap;width:100%;justify-content:flex-start}.site-nav a{padding-block:8px}.site-nav .nav-cabinet{padding:8px 0;border:0;border-radius:0;margin-left:auto}.footer-links{justify-content:flex-start}.btn{padding:13px 18px}}
@media(max-width:480px){.site-header .site-nav{gap:16px;font-size:13px}}
@media(max-width:380px){.site-header .site-nav{display:grid;grid-template-columns:auto auto 1fr;gap:0 20px;font-size:14px}.site-nav .nav-cabinet{grid-column:1/-1;justify-self:start;margin-left:0}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
@media print{.site-header,.site-footer,.skip-link{display:none}}
.blog-hero{display:grid;grid-template-columns:1.1fr .9fr;gap:50px;padding:42px 0 58px;align-items:center}.blog-hero h1{font-size:clamp(38px,4.6vw,62px);line-height:1.08;letter-spacing:-.035em;margin:18px 0 24px;max-width:690px}.blog-hero .hero-lead{color:var(--muted);font-size:20px;line-height:1.6;max-width:570px}.hero-card{background:var(--ink);border-radius:24px;color:white;padding:35px 36px 30px;position:relative;overflow:hidden}.hero-card:before{content:"";position:absolute;border:1px solid #ffffff1c;border-radius:50%;width:340px;height:340px;right:-140px;top:-140px}.hero-card h2{font-size:31px;line-height:1.18;letter-spacing:-.02em;margin:17px 0}.hero-card p{color:#d5dfef;font-size:16px}.hero-card .eyebrow{color:#c8d5ed}.savings-bars{height:106px;display:flex;gap:10px;align-items:flex-end;margin:27px 0 18px}.savings-bars span{flex:1;border-radius:6px 6px 0 0;background:#ffffff25}.savings-bars span:nth-child(1){height:28%}.savings-bars span:nth-child(2){height:44%}.savings-bars span:nth-child(3){height:36%}.savings-bars span:nth-child(4){height:68%}.savings-bars span:nth-child(5){height:55%}.savings-bars span:nth-child(6){height:88%;background:var(--yellow)}.hero-card .btn{width:100%}.hero-card .fineprint{font-size:12px;margin:13px 0 0}.topic-nav{display:flex;gap:12px;flex-wrap:wrap;padding:22px 0 26px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.topic-nav a{border:1px solid var(--line);background:white;border-radius:30px;font-size:14px;text-decoration:none;padding:9px 17px}.topic-nav a:hover{background:var(--blue)}.article-group{padding:42px 0 6px}.group-heading{display:flex;justify-content:space-between;gap:30px;align-items:flex-start;margin-bottom:22px}.group-heading h2{font-size:30px;letter-spacing:-.02em;line-height:1.25;margin:0}.group-heading p{font-size:15px;color:var(--muted);max-width:400px;margin:0}.article-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.article-card{display:flex;flex-direction:column;background:white;border:1px solid var(--line);border-radius:14px;padding:26px;text-decoration:none;transition:transform .15s,border-color .15s}.article-card:hover{transform:translateY(-3px);border-color:#879bb9}.article-card .card-tag{font-size:12px;color:var(--green);margin-bottom:18px;font-weight:700}.article-card h3{font-size:23px;line-height:1.28;letter-spacing:-.02em;margin:0 0 14px}.article-card p{font-size:15px;color:var(--muted);line-height:1.6;margin:0 0 24px}.card-meta{margin-top:auto;padding-top:16px;border-top:1px solid var(--line);font-size:12px;display:flex;justify-content:space-between}.tests-band{display:grid;grid-template-columns:1fr 1fr;gap:30px;background:#e9eff9;border-radius:20px;padding:36px;margin:60px 0}.tests-band h2{font-size:30px;line-height:1.25;margin:0 0 14px}.tests-band p{font-size:16px;margin:0;color:var(--muted)}.test-shortcut{padding:18px 0;display:block;border-bottom:1px solid #c8d3e5;text-decoration:none;font-weight:700}.test-shortcut:first-child{padding-top:0}.test-shortcut small{display:block;font-weight:400;color:var(--muted);font-size:13px;margin-top:3px}.breadcrumb{font-size:13px;color:var(--muted);padding:24px 0 30px}.breadcrumb a{text-decoration:none}.article-layout{display:grid;grid-template-columns:minmax(0,770px) 270px;gap:74px;align-items:start}.article-intro h1{font-size:clamp(34px,4vw,49px);line-height:1.15;letter-spacing:-.035em;margin:14px 0 22px}.article-lead{font-size:21px;line-height:1.65;color:#52637e}.byline{color:var(--muted);font-size:13px;border-bottom:1px solid var(--line);padding:12px 0 25px;margin-bottom:30px}.article-body h2{font-size:28px;line-height:1.3;letter-spacing:-.02em;margin:38px 0 17px}.article-body p{margin:0 0 19px}.article-body li{margin:9px 0}.article-body ul{padding-left:23px}.formula{background:var(--blue);border-left:4px solid #6f8bbb;border-radius:0 9px 9px 0;padding:20px 22px;font-weight:700;margin:24px 0;line-height:1.6}.table-scroll{overflow-x:auto;margin:23px 0;border:1px solid var(--line);border-radius:10px;background:white}.article-body table{width:100%;border-collapse:collapse;font-size:14px;min-width:390px}.article-body th,.article-body td{text-align:left;vertical-align:top;padding:14px 16px;border-bottom:1px solid var(--line)}.article-body th{background:var(--blue);font-weight:700}.article-body tr:last-child td{border:0}.article-aside{position:sticky;top:24px}.article-aside .eyebrow{color:var(--muted)}.article-toc{list-style:none;padding:0;margin:18px 0 30px;font-size:14px;line-height:1.5}.article-toc li{margin:12px 0}.article-toc a{text-decoration:none}.aside-test{padding:23px;background:white;border:1px solid var(--line);border-radius:13px}.aside-test h3{font-size:21px;line-height:1.35;margin:0 0 12px}.aside-test p{font-size:14px;color:var(--muted)}.aside-test .btn{font-size:14px;width:100%;padding:12px}.article-cta{background:var(--ink);color:white;border-radius:16px;padding:30px;margin:36px 0}.article-cta h2{font-size:28px;margin:0 0 14px}.article-cta p{color:#d4dff0;font-size:16px}.article-cta .fineprint{color:#c1cee3;margin:12px 0 0}.sources{font-size:14px;color:var(--muted);padding:20px 0}.related{margin:45px 0}.related h2{font-size:27px}.result-notice{padding:20px;border-radius:12px;background:var(--blue);font-size:15px}.savings-page{max-width:850px;margin:40px auto 70px}.savings-page h1{font-size:clamp(30px,4vw,44px);line-height:1.18;letter-spacing:-.025em}.savings-page h2{font-size:26px;line-height:1.3}.savings-page .intro{font-size:20px;color:var(--muted)}.test-question,.result-card,.plan-form{padding:30px;background:white;border:1px solid var(--line);border-radius:16px;margin:24px 0}.test-question fieldset{border:0;margin:0;padding:0;min-width:0}.test-question legend{font-size:24px;line-height:1.4;font-weight:700;margin-bottom:15px}.answer-option{display:flex;gap:14px;padding:14px 16px;border:1px solid var(--line);border-radius:9px;margin:10px 0;line-height:1.5;cursor:pointer}.answer-option:has(input:checked){background:var(--blue);color:var(--ink);border-color:#6681ab}.answer-option input{width:19px;height:19px;flex-shrink:0;margin-top:4px;accent-color:var(--ink)}.test-progress{width:100%;accent-color:var(--yellow);height:8px}.test-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:24px;align-items:center}.test-error{color:#9b2d2d;background:#fff0f0;padding:18px;border-radius:10px;margin:20px 0}.result-evidence{font-size:15px;color:var(--muted);border-left:3px solid var(--line);padding-left:18px}.first-step{background:#edf6f1;border-radius:10px;padding:18px 20px}.plan-form label{display:block;font-size:14px;font-weight:700;margin:18px 0}.plan-form input,.plan-form textarea{display:block;width:100%;padding:12px 14px;background:var(--paper);border:1px solid #bac7da;border-radius:8px;color:var(--ink);font-size:16px;margin-top:6px}.plan-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.saved-message{padding:19px 22px;background:#e5f3eb;color:#205c41;border-radius:12px;font-weight:700}.method-list li{margin:12px 0}
@media(max-width:1000px){.article-layout{gap:36px;grid-template-columns:minmax(0,1fr) 230px}.blog-hero{gap:30px}.article-card{padding:21px}.article-card h3{font-size:21px}}
@media(max-width:760px){.blog-hero{grid-template-columns:1fr;padding-top:25px;gap:28px}.hero-card{padding:28px}.blog-hero h1{font-size:43px}.blog-hero .hero-lead{font-size:18px}.hero-card h2{font-size:29px}.savings-bars{height:80px}.group-heading{display:block}.group-heading p{margin-top:12px;max-width:none}.article-grid{grid-template-columns:1fr}.article-group{padding-top:32px}.article-card h3{font-size:24px}.tests-band{grid-template-columns:1fr;padding:25px;margin:40px 0}.article-layout{display:block}.article-aside{position:static;margin-top:30px}.article-aside .article-toc,.article-aside>.eyebrow{display:none}.article-intro h1{font-size:36px}.article-lead{font-size:19px}.article-body h2{font-size:25px}.article-cta{padding:24px}.savings-page{margin-top:26px}.test-question,.result-card,.plan-form{padding:22px}.test-question legend{font-size:21px}.plan-grid{grid-template-columns:1fr;gap:0}.test-actions .btn{flex:1}.savings-page .intro{font-size:18px}}
@media(prefers-reduced-motion:reduce){.article-card{transition:none}.article-card:hover{transform:none}}

.article-survey fieldset{border:0;padding:0;min-width:0}.article-survey legend{font-size:22px;font-weight:700;margin:15px 0;line-height:1.35}.article-survey textarea{box-sizing:border-box;width:100%;padding:15px;border:1px solid #b8c4d7;border-radius:10px;font:inherit;background:white;color:#0e2e6a}.article-survey ol li{margin:12px 0}.article-survey [data-survey-host]:empty{display:none}.article-survey button.text-link{font:inherit;border:0;background:none;cursor:pointer;color:inherit;padding:8px 0}.article-survey .answer-option input{accent-color:#164891}
.article-survey .survey-reading{margin-top:22px;font-size:14px}.article-survey .survey-reading a{color:inherit}.aside-test .eyebrow{display:block;font-size:10px;margin-bottom:12px}