@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@500;600;700;800&display=swap');
:root{--red:#c91835;--red-dark:#9f0f29;--ink:#1f2024;--muted:#686970;--paper:#faf9f7;--cream:#f1ede6;--line:#dedbd6;--white:#fff;--display:'Manrope',Arial,sans-serif;--body:'DM Sans',Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:105px}body{margin:0;background:var(--paper);color:var(--ink);font:400 16px/1.65 var(--body);-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}img{display:block;max-width:100%}button,input,select,textarea{font:inherit}button{border:0;cursor:pointer}.wrap{width:min(1180px,calc(100% - 64px));margin-inline:auto}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid #3560a8;outline-offset:3px}.skip-link{position:fixed;left:16px;top:-80px;background:#fff;padding:12px 18px;z-index:100}.skip-link:focus{top:16px}
.deadline-bar{background:var(--red);color:#fff;text-align:center;padding:8px 18px;font-size:11px;font-weight:700;letter-spacing:.04em}.deadline-bar a{margin-left:18px;border-bottom:1px solid #ffffff99}.seo-header{position:sticky;top:0;z-index:20;background:#faf9f7f2;backdrop-filter:blur(16px);border-bottom:1px solid var(--line)}.seo-header .wrap{height:78px;display:flex;align-items:center;gap:32px}.seo-logo img{width:154px}.seo-nav{display:flex;align-items:center;gap:25px;margin-left:auto;font-size:12px;font-weight:600;color:#555}.seo-nav a:hover{color:var(--red)}.header-cta{background:#202125;color:#fff!important;border-radius:6px;padding:11px 16px}.menu-toggle{display:none;background:transparent;font-size:23px}
.seo-hero{background:var(--cream);overflow:hidden}.seo-hero-grid{display:grid;grid-template-columns:1.03fr .97fr;min-height:560px}.seo-hero-copy{padding:76px 68px 72px max(32px,calc((100vw - 1180px)/2));display:flex;flex-direction:column;justify-content:center}.breadcrumbs{font-size:10px;color:#777;display:flex;gap:7px;flex-wrap:wrap}.breadcrumbs a:hover{color:var(--red)}.page-kicker{display:flex;align-items:center;gap:9px;margin-top:35px;font-size:10px;letter-spacing:.14em;font-weight:700;color:var(--red)}.page-kicker:before{content:"";width:8px;height:8px;border-radius:50%;background:var(--red)}.seo-hero h1{font:800 clamp(48px,5.3vw,74px)/1.04 var(--display);letter-spacing:-.06em;margin:18px 0 24px;max-width:720px}.seo-hero h1 em{font-style:normal;color:var(--red)}.seo-hero-copy>p{max-width:625px;font-size:17px;color:#555860;margin:0}.hero-actions{display:flex;align-items:center;gap:23px;margin-top:31px}.primary-cta,.secondary-cta{display:inline-flex;align-items:center;justify-content:center;border-radius:6px;padding:14px 19px;font-size:13px;font-weight:700}.primary-cta{background:var(--red);color:#fff}.primary-cta:hover{background:var(--red-dark)}.secondary-cta{border:1px solid #bdb9b4}.seo-hero-visual{position:relative;min-height:560px;background:#ddd}.seo-hero-visual img{width:100%;height:100%;object-fit:cover}.seo-hero-visual:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 55%,#1616164f)}.visual-card{position:absolute;z-index:2;left:28px;bottom:28px;background:#fffffff1;backdrop-filter:blur(12px);padding:16px 18px;border-radius:8px;display:grid;box-shadow:0 16px 45px #0002}.visual-card span{font-size:8px;color:var(--red);font-weight:700;letter-spacing:.12em}.visual-card strong{font:700 18px var(--display);margin-top:4px}.visual-card small{font-size:10px;color:#666}.zero-stamp{position:absolute;z-index:2;right:25px;top:25px;width:105px;height:105px;border-radius:50%;background:var(--red);color:#fff;display:grid;place-items:center;text-align:center;transform:rotate(8deg);font:800 26px/1 var(--display);box-shadow:0 12px 35px #6c091c55}.zero-stamp small{display:block;font:700 8px var(--body);letter-spacing:.12em;margin-top:-24px}
.fact-bar{background:#fff;border-bottom:1px solid var(--line)}.fact-bar .wrap{display:grid;grid-template-columns:repeat(3,1fr)}.fact-bar div{padding:22px 25px;border-right:1px solid var(--line);display:grid}.fact-bar div:first-child{padding-left:0}.fact-bar div:last-child{border:0}.fact-bar strong{font:700 15px var(--display)}.fact-bar span{font-size:11px;color:var(--muted);margin-top:2px}
.article-layout{display:grid;grid-template-columns:250px minmax(0,760px);justify-content:space-between;gap:70px;padding:90px 0}.article-aside{position:sticky;top:112px;align-self:start}.article-aside>span{font-size:9px;color:var(--red);font-weight:700;letter-spacing:.13em}.article-aside nav{display:grid;margin-top:16px;border-top:1px solid var(--line)}.article-aside a{font-size:11px;color:#666;padding:11px 0;border-bottom:1px solid var(--line)}.article-aside a:hover{color:var(--red)}.aside-deadline{margin-top:25px;background:#202125;color:#fff;border-radius:8px;padding:20px}.aside-deadline span{font-size:8px;color:#f2a7b4;letter-spacing:.1em;font-weight:700}.aside-deadline strong{display:block;font:700 23px var(--display);margin:7px 0 3px}.aside-deadline small{color:#aaa;font-size:10px}
.article-content{min-width:0}.article-content>p:first-child{font-size:20px;line-height:1.7;color:#41434a;margin-top:0}.answer-box{background:#fff;border-left:4px solid var(--red);padding:26px 28px;margin:0 0 45px;box-shadow:0 12px 38px #0000000b}.answer-box span{font-size:9px;color:var(--red);font-weight:700;letter-spacing:.13em}.answer-box p{font-size:18px;line-height:1.6;margin:8px 0 0}.article-content section{margin:0 0 54px;scroll-margin-top:120px}.article-content h2{font:750 34px/1.17 var(--display);letter-spacing:-.04em;margin:0 0 18px}.article-content h3{font:700 20px/1.3 var(--display);margin:28px 0 9px}.article-content p,.article-content li{color:#565860}.article-content ul,.article-content ol{padding-left:22px}.article-content li{margin:10px 0}.decision-grid,.channel-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:24px}.decision-card,.channel-card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:21px}.decision-card span,.channel-card span{font-size:8px;color:var(--red);font-weight:700;letter-spacing:.1em}.decision-card h3,.channel-card h3{font-size:17px;margin:13px 0 7px}.decision-card p,.channel-card p{font-size:12px;margin:0}.checklist{list-style:none!important;padding:0!important;counter-reset:item}.checklist li{position:relative;padding:17px 16px 17px 48px!important;background:#fff;border-bottom:1px solid var(--line);margin:0!important;counter-increment:item}.checklist li:before{content:counter(item,decimal-leading-zero);position:absolute;left:15px;top:18px;color:var(--red);font-size:9px;font-weight:700}.compare-table{width:100%;border-collapse:collapse;margin-top:23px;background:#fff;font-size:12px}.compare-table th,.compare-table td{text-align:left;padding:14px;border:1px solid var(--line)}.compare-table th{font-size:9px;letter-spacing:.08em;background:#f0ece6}.compare-table strong{color:var(--red)}.note{background:#f1ede6;padding:20px 22px;border-radius:7px;font-size:12px;color:#666;margin-top:20px}.note b{color:#222}
.application-band{background:#202125;color:#fff;padding:85px 0}.application-band .wrap{display:grid;grid-template-columns:.85fr 1.15fr;gap:90px;align-items:start}.application-copy>span{font-size:9px;color:#f0a4b2;letter-spacing:.14em;font-weight:700}.application-copy h2{font:780 48px/1.08 var(--display);letter-spacing:-.05em;margin:17px 0}.application-copy p{color:#b7b7ba;max-width:430px}.deadline-list{margin-top:30px;border-top:1px solid #ffffff2c}.deadline-list div{display:grid;grid-template-columns:105px 1fr;padding:14px 0;border-bottom:1px solid #ffffff2c}.deadline-list span{font-size:9px;color:#f0a4b2}.deadline-list strong{font-size:12px}.application-form{background:#fff;color:var(--ink);border-radius:10px;padding:35px}.application-form h3{font:750 25px var(--display);margin:0 0 5px}.application-form>p{font-size:11px;color:#777;margin:0 0 22px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.application-form label{display:grid;font-size:10px;font-weight:700;gap:6px}.application-form label.full{grid-column:1/-1}.application-form input,.application-form select,.application-form textarea{width:100%;border:1px solid #cbc8c3;border-radius:5px;background:#fff;padding:11px;color:#222}.application-form textarea{min-height:90px;resize:vertical}.application-form button{grid-column:1/-1;background:var(--red);color:#fff;border-radius:6px;padding:14px;font-weight:700;margin-top:6px}.application-form small{grid-column:1/-1;font-size:9px;color:#888}.application-form small a{text-decoration:underline}
.faq-area{padding:88px 0}.faq-grid{display:grid;grid-template-columns:.65fr 1.35fr;gap:80px}.faq-grid h2{font:750 44px/1.1 var(--display);letter-spacing:-.045em;margin:13px 0}.faq-grid>div:first-child span{font-size:9px;color:var(--red);font-weight:700;letter-spacing:.13em}.faq-list details{border-top:1px solid var(--line)}.faq-list details:last-child{border-bottom:1px solid var(--line)}.faq-list summary{list-style:none;padding:20px 2px;cursor:pointer;display:flex;justify-content:space-between;font-weight:600;font-size:14px}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary i{font-style:normal;font-size:20px}.faq-list details[open] summary i{transform:rotate(45deg)}.faq-list p{font-size:13px;color:#666;margin:0;padding:0 30px 19px 2px}.related{background:#eeece8;padding:70px 0}.related-head{display:flex;justify-content:space-between;align-items:end;margin-bottom:25px}.related h2{font:730 31px var(--display);letter-spacing:-.035em;margin:0}.related-head a{font-size:11px;color:var(--red);font-weight:700}.related-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.related-grid a{background:#fff;border:1px solid #dfdbd5;border-radius:7px;min-height:150px;padding:20px;display:flex;flex-direction:column}.related-grid span{font-size:8px;color:#999}.related-grid strong{font:650 16px/1.35 var(--display);margin:22px 0 auto}.related-grid small{font-size:9px;color:var(--red);font-weight:700}.seo-footer{padding:55px 0 25px}.seo-footer-main{display:grid;grid-template-columns:1.3fr .7fr .7fr;gap:55px}.seo-footer img{width:145px}.seo-footer-brand p{font:700 18px var(--display);margin:18px 0 5px}.seo-footer-brand span{font-size:11px;color:#777}.seo-footer-links{display:grid;align-content:start;gap:8px;font-size:11px;color:#666}.seo-footer-links b{color:#222;font-size:10px;letter-spacing:.1em;margin-bottom:5px}.seo-footer-bottom{border-top:1px solid var(--line);margin-top:40px;padding-top:17px;display:flex;justify-content:space-between;font-size:9px;color:#888}
@media(max-width:900px){.seo-nav a:not(.header-cta){display:none}.seo-hero-grid{grid-template-columns:1fr}.seo-hero-copy{padding:60px 32px}.seo-hero-visual{min-height:420px}.article-layout{grid-template-columns:1fr}.article-aside{display:none}.application-band .wrap{grid-template-columns:1fr;gap:45px}.related-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.wrap{width:calc(100% - 36px)}.deadline-bar{font-size:9px}.deadline-bar a{display:inline-block;margin-left:8px}.seo-header .wrap{height:65px}.seo-logo img{width:132px}.seo-nav{gap:10px}.header-cta{padding:9px 12px;font-size:10px}.seo-hero-copy{padding:45px 18px}.seo-hero h1{font-size:45px}.seo-hero-copy>p{font-size:15px}.hero-actions{display:grid;justify-items:start}.seo-hero-visual{min-height:340px}.zero-stamp{width:86px;height:86px;font-size:22px}.fact-bar .wrap{grid-template-columns:1fr}.fact-bar div,.fact-bar div:first-child{padding:17px 0;border-right:0;border-bottom:1px solid var(--line)}.article-layout{padding:60px 0}.article-content>p:first-child{font-size:18px}.article-content h2{font-size:29px}.decision-grid,.channel-grid{grid-template-columns:1fr}.compare-table{font-size:10px}.compare-table th,.compare-table td{padding:9px}.application-band{padding:62px 0}.application-copy h2{font-size:39px}.application-form{padding:25px 20px}.form-grid{grid-template-columns:1fr}.application-form label.full,.application-form button,.application-form small{grid-column:auto}.faq-area{padding:65px 0}.faq-grid{grid-template-columns:1fr;gap:25px}.faq-grid h2{font-size:36px}.related-grid{grid-template-columns:1fr}.related-grid a{min-height:125px}.seo-footer-main{grid-template-columns:1fr 1fr}.seo-footer-brand{grid-column:1/-1}.seo-footer-bottom{display:grid;gap:7px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}