@import"https://fonts.googleapis.com/css2?family=Source+Sans+3:ital,wght@0,300;0,400;0,600;0,700;1,400&display=swap";.t-v45{--ls-brand-deep: #0B3B2E;--ls-brand-mid: #12684F;--ls-brand: #1E8C68;--ls-brand-wash: #DCEFE7;--ls-accent: #B4632A;--ls-accent-text: #9E5423;--ls-accent-wash: #F7E9DF;--ls-ink: #14201C;--ls-muted: #5A6B65;--ls-surface: #FFFFFF;--ls-canvas: #F6F9F7;--ls-line: #DCE5E1;--ls-neg: #96231C;--ls-neg-wash: #FBEBE8;--ls-on-deep: #FFFFFF;--ls-on-deep-dim: #B9D6C9;--ls-on-deep-accent: #E0AC80;--ls-shell: 1120px;--ls-gutter: 28px;--ls-measure: 68ch;--ls-radius: 8px;--ls-radius-lg: 10px;--ls-ui: "Source Sans 3", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif}body.t-v45{margin:0;background:var(--ls-canvas);color:var(--ls-ink);font-family:var(--ls-ui);font-size:16px;line-height:1.55;-webkit-font-smoothing:antialiased}.t-v45 .ls-wrap{max-width:var(--ls-shell);margin-inline:auto;padding-inline:var(--ls-gutter)}.t-v45 .ls-page{padding-block:0}.t-v45 .ls-sec{padding-block:44px}.t-v45 .ls-sec--tight{padding-block:0 44px}.t-v45 h1,.t-v45 h2,.t-v45 h3,.t-v45 h4{text-wrap:balance;margin:0}.t-v45 :focus-visible{outline:2px solid var(--ls-accent-text);outline-offset:2px;border-radius:2px}@media(prefers-reduced-motion:reduce){.t-v45 *,.t-v45 *:before,.t-v45 *:after{animation-duration:.001ms!important;transition-duration:.001ms!important}}.t-v45 .ls-table td.ls-num,.t-v45 .ls-index td.ls-num{font-variant-numeric:tabular-nums}.t-v45 .ls-head{background:var(--ls-surface);border-bottom:1px solid var(--ls-line)}.t-v45 .ls-nav{position:relative;display:flex;align-items:center;gap:26px;height:64px}.t-v45 .ls-logo{font-weight:700;font-size:19px;letter-spacing:-.01em;color:var(--ls-brand-deep);text-decoration:none;white-space:nowrap}.t-v45 .ls-logo b{color:var(--ls-brand-mid);font-weight:700}.t-v45 .ls-nav__link,.t-v45 .ls-nav__trigger{text-decoration:none;color:var(--ls-ink);font-size:15px;font-weight:600;padding-block:4px;border-bottom:2px solid transparent;white-space:nowrap}.t-v45 .ls-nav__link:hover,.t-v45 .ls-nav__link[aria-current=page],.t-v45 .ls-nav__trigger:hover{border-bottom-color:var(--ls-brand)}.t-v45 .ls-nav__drop{position:relative}.t-v45 .ls-nav__drop--mega{position:static}.t-v45 .ls-nav__trigger{display:inline-flex;align-items:center;gap:6px;cursor:pointer;list-style:none}.t-v45 .ls-nav__trigger::-webkit-details-marker{display:none}.t-v45 .ls-nav__trigger:after{content:"";width:7px;height:7px;border-right:2px solid var(--ls-brand-mid);border-bottom:2px solid var(--ls-brand-mid);transform:translateY(-2px) rotate(45deg);transition:transform .15s ease}.t-v45 .ls-nav__drop[open]>.ls-nav__trigger:after{transform:translateY(1px) rotate(-135deg)}.t-v45 .ls-nav__drop[open]>.ls-nav__trigger{border-bottom-color:var(--ls-brand)}.t-v45 .ls-nav__trigger:focus-visible{outline:2px solid var(--ls-accent-text);outline-offset:4px;border-radius:2px}.t-v45 .ls-nav__panel{position:absolute;top:calc(100% - 8px);z-index:40;background:var(--ls-surface);border:1px solid var(--ls-line);border-radius:var(--ls-radius-lg);box-shadow:0 12px 28px #0b3b2e21;padding:22px var(--ls-gutter)}.t-v45 .ls-nav__panel--mega{left:0;right:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(168px,1fr));gap:24px 22px}.t-v45 .ls-nav__panel--terms{left:0;min-width:320px}.t-v45 .ls-nav__panel--terms ul{-moz-columns:2;columns:2;-moz-column-gap:26px;column-gap:26px}.t-v45 .ls-nav__panel ul{list-style:none;margin:0;padding:0}.t-v45 .ls-nav__panel li{margin-bottom:7px;-moz-column-break-inside:avoid;break-inside:avoid}.t-v45 .ls-nav__col{min-width:0}.t-v45 .ls-nav__colhead{display:block;font-size:11.5px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--ls-brand-deep);text-decoration:none;padding-bottom:8px;margin-bottom:10px;border-bottom:1px solid var(--ls-line)}.t-v45 .ls-nav__colhead:hover{color:var(--ls-accent-text)}.t-v45 .ls-nav__panel a:not(.ls-nav__colhead){font-size:14px;color:var(--ls-muted);text-decoration:none}.t-v45 .ls-nav__panel a:not(.ls-nav__colhead):hover,.t-v45 .ls-nav__panel a[aria-current=page]{color:var(--ls-brand-mid)}.t-v45 .ls-nav__all{display:inline-block;margin-top:12px;font-size:13px;font-weight:700;color:var(--ls-accent-text)!important}.t-v45 .ls-nav__cta{margin-left:auto;background:var(--ls-brand-mid);color:var(--ls-on-deep);padding:9px 16px;border-radius:5px;font-size:14.5px;font-weight:600;text-decoration:none;white-space:nowrap}.t-v45 .ls-nav__cta:hover{background:var(--ls-brand-deep)}@media(max-width:820px){.t-v45 .ls-nav{flex-wrap:wrap;height:auto;padding-block:12px;gap:12px 18px}.t-v45 .ls-nav__cta{margin-left:auto}.t-v45 .ls-nav__drop{flex:1 0 100%;order:3}.t-v45 .ls-nav__link{order:4}.t-v45 .ls-nav__panel,.t-v45 .ls-nav__panel--mega,.t-v45 .ls-nav__panel--terms{position:static;box-shadow:none;border-radius:var(--ls-radius);padding:16px;margin-top:10px;min-width:0}.t-v45 .ls-nav__panel--mega{grid-template-columns:1fr;gap:18px}.t-v45 .ls-nav__panel--terms ul{-moz-columns:2;columns:2}}.t-v45 .ls-crumbwrap{background:var(--ls-canvas);border-bottom:1px solid var(--ls-line)}.t-v45 .ls-crumbs{max-width:var(--ls-shell);margin-inline:auto;padding:12px var(--ls-gutter)}.t-v45 .ls-crumbs__list{display:flex;flex-wrap:wrap;align-items:center;gap:2px 6px;list-style:none;margin:0;padding:0;font-size:13.5px;color:var(--ls-muted)}.t-v45 .ls-crumbs__item{display:inline-flex;align-items:center;gap:6px}.t-v45 .ls-crumbs__link{color:var(--ls-muted);text-decoration:none}.t-v45 .ls-crumbs__link:hover{color:var(--ls-accent-text);text-decoration:underline}.t-v45 .ls-crumbs__current{color:var(--ls-ink);font-weight:600}.t-v45 .ls-crumbs__sep{color:var(--ls-line);flex:none}.t-v45 .ls-hero{background:var(--ls-brand-deep);color:var(--ls-on-deep);padding-block:64px 132px;position:relative;overflow:hidden}.t-v45 .ls-hero:after{content:"";position:absolute;inset:0;pointer-events:none;background:radial-gradient(900px 380px at 76% 8%,rgba(30,140,104,.34),transparent 70%)}.t-v45 .ls-hero__in{position:relative;z-index:2;max-width:var(--ls-shell);margin-inline:auto;padding-inline:var(--ls-gutter)}.t-v45 .ls-hero h1{font-size:clamp(34px,4.4vw,56px);line-height:1.08;font-weight:700;letter-spacing:-.02em;max-width:16ch}.t-v45 .ls-hero__lede{font-size:19px;line-height:1.6;color:var(--ls-on-deep-dim);max-width:56ch;margin-top:18px}.t-v45 .ls-hero__img{position:absolute;right:-40px;top:40px;width:min(400px,34vw);z-index:1;border-radius:var(--ls-radius)}@media(max-width:1000px){.t-v45 .ls-hero__img{display:none}}.t-v45 .ls-head-light{background:var(--ls-surface);border-bottom:1px solid var(--ls-line);padding-block:36px 30px}.t-v45 .ls-head-light h1{font-size:clamp(30px,3.8vw,44px);line-height:1.1;font-weight:700;letter-spacing:-.022em;max-width:22ch}.t-v45 .ls-head-light__lede{font-size:19px;line-height:1.6;color:var(--ls-muted);max-width:60ch;margin-top:14px}.t-v45 .ls-eyebrow{font-size:12.5px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--ls-brand-mid);margin-bottom:12px}.t-v45 .ls-hero .ls-eyebrow{color:var(--ls-on-deep-dim);margin-bottom:16px}.t-v45 .ls-byline{margin-top:16px;font-size:14px;color:var(--ls-muted);display:flex;gap:16px;flex-wrap:wrap}.t-v45 .ls-byline b{color:var(--ls-ink);font-weight:600}.t-v45 .ls-trust{display:flex;flex-wrap:wrap;gap:10px 26px;font-size:14.5px;color:var(--ls-muted);margin-top:26px;list-style:none;padding:0}.t-v45 .ls-sec--tight>.ls-wrap>.ls-trust{margin-top:0;padding-top:18px;border-top:1px solid var(--ls-line)}.t-v45 .ls-trust__item{display:inline-flex;align-items:center;gap:7px}.t-v45 .ls-trust__tick{color:var(--ls-brand);flex:none}.t-v45 .ls-hero .ls-trust{color:var(--ls-on-deep-dim)}.t-v45 .ls-trust b{color:var(--ls-ink);font-weight:700;font-variant-numeric:tabular-nums}.t-v45 .ls-hero .ls-trust b{color:var(--ls-on-deep)}.t-v45 .ls-calc-lift{margin-top:-96px;position:relative;z-index:5}.t-v45 .ls-calc{background:var(--ls-surface);border:1px solid var(--ls-line);border-radius:var(--ls-radius-lg);padding:26px 28px;display:grid;grid-template-columns:1.35fr 1fr;gap:30px;box-shadow:0 18px 40px -22px #0b3b2e73}.t-v45 .ls-calc--panel{border-top:3px solid var(--ls-brand-mid);box-shadow:none;grid-template-columns:1.25fr .95fr;gap:34px;margin-top:26px}@media(max-width:820px){.t-v45 .ls-calc,.t-v45 .ls-calc--panel{grid-template-columns:1fr;gap:22px}}.t-v45 .ls-calc fieldset{border:0;margin:0;padding:0}.t-v45 .ls-calc legend{font-size:12.5px;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--ls-muted);padding:0;margin-bottom:18px}.t-v45 .ls-field{margin-bottom:22px}.t-v45 .ls-field:last-child{margin-bottom:0}.t-v45 .ls-field__top{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:9px}.t-v45 .ls-field__top label{font-size:15.5px;font-weight:600}.t-v45 .ls-field__out{font-size:18px;font-weight:700;font-variant-numeric:tabular-nums;color:var(--ls-brand-mid)}.t-v45 .ls-range{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:100%;height:6px;border-radius:3px;background:var(--ls-line);outline:none;margin:0}.t-v45 .ls-range::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:20px;height:20px;border-radius:50%;background:var(--ls-surface);border:3px solid var(--ls-brand-mid);cursor:pointer}.t-v45 .ls-range::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--ls-surface);border:3px solid var(--ls-brand-mid);cursor:pointer}.t-v45 .ls-scale{display:flex;justify-content:space-between;font-size:12.5px;color:var(--ls-muted);margin-top:6px;font-variant-numeric:tabular-nums}.t-v45 .ls-result{background:var(--ls-brand-wash);border-radius:var(--ls-radius);padding:22px;display:flex;flex-direction:column;gap:16px;justify-content:center}.t-v45 .ls-result--deep{background:var(--ls-brand-deep);color:var(--ls-on-deep);padding:26px;gap:18px}.t-v45 .ls-result__lab{font-size:11.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--ls-brand-mid)}.t-v45 .ls-result--deep .ls-result__lab{color:var(--ls-on-deep-dim)}.t-v45 .ls-result__big{font-size:clamp(36px,4.6vw,46px);font-weight:700;line-height:1;letter-spacing:-.025em;font-variant-numeric:tabular-nums;color:var(--ls-brand-deep);margin-top:6px}.t-v45 .ls-result--deep .ls-result__big{color:var(--ls-on-deep)}.t-v45 .ls-result__row{display:flex;justify-content:space-between;gap:14px;padding-top:12px;border-top:1px solid rgba(11,59,46,.14);font-size:15.5px}.t-v45 .ls-result--deep .ls-result__row{border-top-color:#ffffff24;color:var(--ls-on-deep-dim)}.t-v45 .ls-result__row b{font-variant-numeric:tabular-nums;font-weight:700;color:var(--ls-accent-text)}.t-v45 .ls-result--deep .ls-result__row b{color:var(--ls-on-deep)}.t-v45 .ls-result__row--hi b{color:var(--ls-accent-text)}.t-v45 .ls-result--deep .ls-result__row--hi b{color:var(--ls-accent)}.t-v45 .ls-result__note{font-size:12.5px;color:var(--ls-muted);line-height:1.5;margin:0}.t-v45 .ls-result--deep .ls-result__note{color:var(--ls-on-deep-dim)}.t-v45 #sammenlign{scroll-margin-top:96px}.t-v45 .ls-head-light .ls-actions{margin-top:20px}.t-v45 .ls-actions{display:flex;flex-wrap:wrap;gap:12px}.t-v45 .ls-btn{display:inline-block;font-family:inherit;font-weight:700;font-size:15px;line-height:1.2;padding:12px 22px;border-radius:5px;border:1px solid transparent;text-decoration:none;text-align:center;cursor:pointer}.t-v45 .ls-btn--primary{background:var(--ls-accent-text);color:var(--ls-on-deep);border-color:var(--ls-accent-text)}.t-v45 .ls-btn--primary:hover{filter:brightness(.93)}.t-v45 .ls-btn--ghost{background:transparent;color:var(--ls-brand-mid);border-color:var(--ls-line)}.t-v45 .ls-btn--block{display:block;width:100%}.t-v45 .ls-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}.t-v45 .ls-hero .ls-btn--ghost{color:var(--ls-on-deep);border-color:#ffffff59}.t-v45 .ls-hero .ls-btn--ghost:hover{border-color:var(--ls-on-deep)}.t-v45 .ls-disc{background:var(--ls-accent-wash);border-top:2px solid var(--ls-accent);border-bottom:1px solid rgba(180,99,42,.3)}.t-v45 .ls-disc__in{max-width:var(--ls-shell);margin-inline:auto;padding:16px var(--ls-gutter);display:flex;gap:14px;align-items:flex-start}.t-v45 .ls-disc__ico{flex:none;width:24px;height:24px;border-radius:50%;background:var(--ls-accent-text);color:var(--ls-on-deep);display:grid;place-content:center;font-weight:700;font-size:14px;margin-top:1px}.t-v45 .ls-disc p{margin:0;font-size:15px;line-height:1.55;max-width:82ch;color:var(--ls-ink)}.t-v45 .ls-disc a{color:var(--ls-accent-text);font-weight:700}.t-v45 .ls-disc-line{margin:9px 0 0;font-size:12.5px;color:var(--ls-muted);text-align:center;line-height:1.45}.t-v45 .ls-fact{background:var(--ls-canvas);border:1px solid var(--ls-line);border-radius:var(--ls-radius-lg);overflow:hidden}.t-v45 .ls-fact__top{background:var(--ls-brand-deep);color:var(--ls-on-deep);padding:18px 20px}.t-v45 .ls-fact__k{font-size:11.5px;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--ls-on-deep-dim)}.t-v45 .ls-fact__v{font-size:36px;font-weight:700;line-height:1.05;letter-spacing:-.02em;font-variant-numeric:tabular-nums;margin-top:4px}.t-v45 .ls-fact__n{font-size:13.5px;color:var(--ls-on-deep-dim);margin-top:6px}.t-v45 .ls-fact dl{margin:0;padding:6px 20px}.t-v45 .ls-fact dl>div{display:flex;justify-content:space-between;gap:16px;padding-block:11px;border-bottom:1px solid var(--ls-line);font-size:15px}.t-v45 .ls-fact dl>div:last-of-type{border-bottom:0}.t-v45 .ls-fact dt{color:var(--ls-muted)}.t-v45 .ls-fact dd{margin:0;font-weight:600;font-variant-numeric:tabular-nums;text-align:right}.t-v45 .ls-fact__cta{padding:4px 20px 20px}.t-v45 .ls-takeaway{background:var(--ls-brand-wash);border-radius:var(--ls-radius);padding:24px 26px}.t-v45 .ls-takeaway__h{font-size:12.5px;letter-spacing:.11em;text-transform:uppercase;color:var(--ls-brand-mid);font-weight:700;margin-bottom:14px}.t-v45 .ls-takeaway ul{margin:0;padding-left:20px;display:grid;grid-template-columns:1fr 1fr;gap:10px 30px;font-size:15.5px;line-height:1.5}.t-v45 .ls-takeaway--single ul{grid-template-columns:1fr;gap:9px;font-size:16px}@media(max-width:760px){.t-v45 .ls-takeaway ul{grid-template-columns:1fr}}.t-v45 .body-content-section{padding-block:0 0}.t-v45 .body-content{max-width:var(--ls-measure)}.t-v45 .body-content__title{font-size:26px;font-weight:700;letter-spacing:-.015em;margin:0 0 12px}.t-v45 .ls-cols .body-content__toc{display:none}.t-v45 .body-content__toc{border:1px solid var(--ls-line);border-radius:var(--ls-radius);padding:14px 18px;margin-block:20px;background:var(--ls-canvas)}.t-v45 .body-content__toc-label{font-size:12.5px;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--ls-muted);cursor:pointer}.t-v45 .body-content__toc-list{margin:12px 0 0;padding-left:20px;font-size:15px;line-height:1.6}.t-v45 .body-content__toc-item--h3{margin-left:14px}.t-v45 .ls-prose,.t-v45 .body-content__body{max-width:var(--ls-measure)}@media(min-width:1024px){.t-v45 .body-content{max-width:var(--ls-shell);display:grid;grid-template-columns:240px minmax(0,1fr);-moz-column-gap:var(--ls-gutter);column-gap:var(--ls-gutter);align-items:start}.t-v45 .body-content__toc{grid-column:1;grid-row:1 / span 2;position:sticky;top:88px;margin-block:0;max-height:calc(100vh - 128px);overflow-y:auto;overscroll-behavior:contain}.t-v45 .body-content__toc>.body-content__toc-list{display:block}.t-v45 .body-content__toc>summary{cursor:default;list-style:none}.t-v45 .body-content__toc>summary::-webkit-details-marker{display:none}.t-v45 .body-content__title{grid-column:2;grid-row:1}.t-v45 .body-content__body{grid-column:2;grid-row:2;max-width:none}.t-v45 .ls-cols .body-content{display:block;max-width:var(--ls-measure)}}.t-v45 .body-content__body :where(h2,h3)[id]{scroll-margin-top:96px}.t-v45 .ls-prose h2,.t-v45 .body-content__body h2{font-size:26px;font-weight:700;letter-spacing:-.015em;margin:34px 0 12px;scroll-margin-top:20px}.t-v45 .ls-prose h3,.t-v45 .body-content__body h3{font-size:19px;font-weight:700;margin:26px 0 8px}.t-v45 .ls-prose p,.t-v45 .body-content__body p{margin:0 0 15px;font-size:17px;line-height:1.68}.t-v45 .ls-prose>p:first-child,.t-v45 .body-content__body>p:first-child{font-size:19px;line-height:1.6;color:var(--ls-muted)}.t-v45 .ls-prose a,.t-v45 .body-content__body a{color:var(--ls-brand-mid);font-weight:600}.t-v45 .ls-prose ul,.t-v45 .ls-prose ol,.t-v45 .body-content__body ul,.t-v45 .body-content__body ol{font-size:17px;line-height:1.7;padding-left:22px}.t-v45 .ls-prose li,.t-v45 .body-content__body li{margin-bottom:8px}.t-v45 .ls-prose img,.t-v45 .body-content__body img,.t-v45 .ls-bodyimg{max-width:100%;height:auto;border-radius:var(--ls-radius);margin-block:26px}.t-v45 .ls-callout{background:var(--ls-accent-wash);border-left:3px solid var(--ls-accent);padding:16px 18px;border-radius:0 6px 6px 0;margin-block:26px;font-size:16.5px;line-height:1.6}.t-v45 .ls-cols{display:grid;grid-template-columns:230px minmax(0,1fr);gap:44px;padding-block:36px 12px}@media(max-width:900px){.t-v45 .ls-cols{grid-template-columns:1fr;gap:24px}}.t-v45 .ls-toc{position:sticky;top:16px;align-self:start}@media(max-width:900px){.t-v45 .ls-toc{position:static;background:var(--ls-surface);border:1px solid var(--ls-line);border-radius:var(--ls-radius);padding:16px 18px}}.t-v45 .ls-toc__h{font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--ls-muted);font-weight:700;margin-bottom:12px}.t-v45 .ls-toc ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:2px;border-left:2px solid var(--ls-line)}.t-v45 .ls-toc a{display:block;text-decoration:none;font-size:14.5px;line-height:1.4;padding:7px 0 7px 14px;margin-left:-2px;border-left:2px solid transparent;color:var(--ls-muted)}.t-v45 .ls-toc a:hover{color:var(--ls-ink)}.t-v45 .ls-toc a.is-current{color:var(--ls-brand-deep);font-weight:700;border-left-color:var(--ls-brand-mid)}.t-v45 .ls-tablewrap{overflow-x:auto;border:1px solid var(--ls-line);border-radius:var(--ls-radius);background:var(--ls-surface);margin-block:24px}.t-v45 .ls-table{border-collapse:collapse;width:100%;min-width:600px;font-size:15px}.t-v45 .ls-table th,.t-v45 .ls-table td{text-align:left;padding:13px 16px;border-bottom:1px solid var(--ls-line);vertical-align:top}.t-v45 .ls-table thead th{background:var(--ls-brand-wash);color:var(--ls-brand-deep);font-size:12.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;white-space:nowrap}.t-v45 .ls-table tbody tr:last-child td{border-bottom:0}.t-v45 .ls-table td.ls-num{font-weight:600}.t-v45 .ls-table caption{caption-side:bottom;text-align:left;padding:11px 16px;font-size:12.5px;color:var(--ls-muted);border-top:1px solid var(--ls-line)}.t-v45 .ls-hub{background:var(--ls-brand-deep);color:var(--ls-on-deep);padding-block:44px 40px}.t-v45 .ls-hub__h{font-size:clamp(30px,3.8vw,44px);line-height:1.1;font-weight:700;letter-spacing:-.022em;max-width:24ch}.t-v45 .ls-hub__lede{font-size:18.5px;line-height:1.6;color:var(--ls-on-deep-dim);max-width:64ch;margin-top:14px}.t-v45 .ls-hub__stats{display:flex;gap:34px;flex-wrap:wrap;margin-top:24px}.t-v45 .ls-hub__v{font-size:32px;font-weight:700;line-height:1;font-variant-numeric:tabular-nums}.t-v45 .ls-hub__k{font-size:12.5px;color:var(--ls-on-deep-dim);margin-top:5px;letter-spacing:.04em}.t-v45 .ls-filters{background:var(--ls-surface);border-bottom:1px solid var(--ls-line);position:sticky;top:0;z-index:20}.t-v45 .ls-filters__in{max-width:var(--ls-shell);margin-inline:auto;padding:14px var(--ls-gutter);display:flex;gap:10px;align-items:center;flex-wrap:wrap}.t-v45 .ls-chip{font-family:inherit;font-size:13.5px;font-weight:600;background:var(--ls-canvas);color:var(--ls-muted);border:1px solid var(--ls-line);padding:7px 13px;border-radius:20px;cursor:pointer}.t-v45 .ls-chip[aria-pressed=true]{background:var(--ls-brand-wash);color:var(--ls-brand-deep);border-color:var(--ls-brand)}.t-v45 .ls-filters__count{margin-left:auto;font-size:13.5px;color:var(--ls-muted);font-variant-numeric:tabular-nums}.t-v45 .ls-indexwrap{overflow-x:auto}.t-v45 .ls-index{width:100%;min-width:760px;border-collapse:collapse;font-size:15px;background:var(--ls-surface)}.t-v45 .ls-index th,.t-v45 .ls-index td{padding:13px 16px;border-bottom:1px solid var(--ls-line);text-align:left;vertical-align:top}.t-v45 .ls-index th{background:var(--ls-canvas);font-size:12px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--ls-muted);white-space:nowrap;position:sticky;top:57px;z-index:10}.t-v45 .ls-index__name{font-weight:700;font-size:15.5px}.t-v45 .ls-index__tag{display:block;font-size:12.5px;color:var(--ls-muted);font-weight:400;margin-top:2px}.t-v45 .ls-index tr.is-profile td{color:var(--ls-muted)}.t-v45 .ls-index tr.is-profile .ls-index__name{color:var(--ls-ink)}.t-v45 .ls-st{display:inline-flex;align-items:center;gap:6px;font-size:12.5px;font-weight:700;white-space:nowrap}.t-v45 .ls-st:before{content:"";width:8px;height:8px;border-radius:50%;flex:none}.t-v45 .ls-st--live{color:var(--ls-brand-mid)}.t-v45 .ls-st--live:before{background:var(--ls-brand)}.t-v45 .ls-st--profile{color:var(--ls-muted)}.t-v45 .ls-st--profile:before{background:var(--ls-line);box-shadow:inset 0 0 0 1.5px var(--ls-muted)}.t-v45 .ls-go{color:var(--ls-brand-mid);font-weight:700;text-decoration:none;white-space:nowrap}.t-v45 .ls-go:hover{text-decoration:underline}.t-v45 .ls-index__foot{padding:16px;font-size:13.5px;color:var(--ls-muted);background:var(--ls-canvas);border-top:1px solid var(--ls-line)}.t-v45 .ls-empty{padding:44px 24px;text-align:center;color:var(--ls-muted);background:var(--ls-surface)}.t-v45 .ls-empty b{display:block;color:var(--ls-ink);font-size:17px;margin-bottom:6px}.t-v45 .ls-pc{display:grid;grid-template-columns:1fr 1fr;gap:16px;max-width:900px}@media(max-width:760px){.t-v45 .ls-pc{grid-template-columns:1fr}}.t-v45 .ls-pc__col{background:var(--ls-surface);border:1px solid var(--ls-line);border-radius:var(--ls-radius);padding:20px 22px}.t-v45 .ls-pc__h{font-size:13px;letter-spacing:.1em;text-transform:uppercase;font-weight:700;margin-bottom:12px}.t-v45 .ls-pc__col--pro .ls-pc__h{color:var(--ls-brand-mid)}.t-v45 .ls-pc__col--con .ls-pc__h{color:var(--ls-accent-text)}.t-v45 .ls-pc__col ul{margin:0;padding-left:19px;display:flex;flex-direction:column;gap:9px;font-size:15.5px;line-height:1.5}.t-v45 .ls-verdict{background:var(--ls-brand-wash);border-radius:var(--ls-radius);padding:24px 26px;max-width:78ch}.t-v45 .ls-verdict__h{font-size:13px;letter-spacing:.11em;text-transform:uppercase;color:var(--ls-brand-mid);font-weight:700;margin-bottom:12px}.t-v45 .ls-verdict p{margin:0;font-size:17.5px;line-height:1.6}.t-v45 .ls-verdict__rating{display:flex;align-items:baseline;gap:10px;margin-top:16px;padding-top:14px;border-top:1px solid rgba(11,59,46,.14)}.t-v45 .ls-verdict__score{font-size:30px;font-weight:700;font-variant-numeric:tabular-nums;color:var(--ls-brand-deep);line-height:1}.t-v45 .ls-verdict__of{font-size:14px;color:var(--ls-muted)}.t-v45 .ls-quick{background:var(--ls-surface);border:1px solid var(--ls-line);border-left:4px solid var(--ls-brand);border-radius:0 var(--ls-radius) var(--ls-radius) 0;padding:22px 26px;margin-top:24px;max-width:none}.t-v45 .ls-quick__label{font-size:11.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--ls-brand-mid);margin:0 0 10px}.t-v45 .ls-quick__body{font-size:17.5px;line-height:1.62;color:var(--ls-ink)}.t-v45 .ls-quick__body p{margin:0 0 10px}.t-v45 .ls-quick__body p:last-child{margin-bottom:0}.t-v45 .ls-warn{background:var(--ls-accent-wash);border-left:4px solid var(--ls-accent);border-radius:0 var(--ls-radius) var(--ls-radius) 0;padding:20px 24px;margin-top:24px;max-width:78ch}.t-v45 .ls-warn__h{font-size:14.5px;font-weight:700;color:var(--ls-accent-text);margin:0 0 8px}.t-v45 .ls-warn__body{margin:0;font-size:15.5px;line-height:1.6;color:var(--ls-ink)}.t-v45 .ls-def{background:var(--ls-brand-wash);border-left:4px solid var(--ls-brand-mid);border-radius:0 var(--ls-radius) var(--ls-radius) 0;padding:24px 26px;margin-top:24px}.t-v45 .ls-def__k{font-size:11.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--ls-brand-mid);margin-bottom:10px}.t-v45 .ls-def p{margin:0;font-size:20px;line-height:1.52;color:var(--ls-ink)}.t-v45 .ls-def__meta{display:flex;gap:20px;flex-wrap:wrap;margin-top:18px;padding-top:14px;border-top:1px solid rgba(11,59,46,.16);font-size:13.5px;color:var(--ls-muted)}.t-v45 .ls-def__meta b{color:var(--ls-ink);font-weight:600}.t-v45 .ls-terms{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px}.t-v45 .ls-terms a{display:inline-block;background:var(--ls-surface);border:1px solid var(--ls-line);border-radius:18px;padding:6px 13px;font-size:14px;font-weight:600;text-decoration:none;color:var(--ls-ink)}.t-v45 .ls-terms a:hover{border-color:var(--ls-brand);color:var(--ls-brand-mid)}.t-v45 .ls-sec__h{font-size:27px;font-weight:700;letter-spacing:-.015em;margin-bottom:6px}.t-v45 .ls-sec__intro{margin:0 0 22px;color:var(--ls-muted);font-size:15px;max-width:62ch}.t-v45 .ls-sec__h+.ls-cards,.t-v45 .ls-sec__h+.ls-tablewrap{margin-top:22px}.t-v45 .ls-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}@media(max-width:900px){.t-v45 .ls-cards{grid-template-columns:1fr}}.t-v45 .ls-card{background:var(--ls-surface);border:1px solid var(--ls-line);border-radius:var(--ls-radius);padding:20px;text-decoration:none;display:flex;flex-direction:column;gap:8px;color:var(--ls-ink)}.t-v45 .ls-card:hover{border-color:var(--ls-brand)}.t-v45 .ls-card__k{font-size:11.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--ls-brand-mid)}.t-v45 .ls-card h3{font-size:17px;font-weight:700;letter-spacing:-.01em}.t-v45 .ls-card p{margin:0;font-size:14.5px;color:var(--ls-muted);line-height:1.5}.t-v45 .ls-faq{max-width:78ch;border-top:1px solid var(--ls-line)}.t-v45 .ls-faq__item{border-bottom:1px solid var(--ls-line)}.t-v45 .ls-faq__q{cursor:pointer;list-style:none;padding:16px 40px 16px 0;font-size:17px;font-weight:600;position:relative}.t-v45 .ls-faq__q::-webkit-details-marker{display:none}.t-v45 .ls-faq__q:after{content:"+";position:absolute;right:8px;top:14px;font-size:22px;font-weight:400;color:var(--ls-brand-mid)}.t-v45 .ls-faq__item[open] .ls-faq__q:after{content:"–"}.t-v45 .ls-faq__a{margin:0 0 18px;font-size:16px;line-height:1.65;color:var(--ls-muted);max-width:66ch}.t-v45 .ls-sources{font-size:14.5px}.t-v45 .ls-sources__h{font-size:12.5px;letter-spacing:.11em;text-transform:uppercase;color:var(--ls-muted);font-weight:700;margin-bottom:12px}.t-v45 .ls-sources ol{margin:0;padding-left:20px;display:flex;flex-direction:column;gap:7px;color:var(--ls-muted)}.t-v45 .ls-sources a{color:var(--ls-brand-mid);font-weight:600}.t-v45 .ls-author{background:var(--ls-surface);border:1px solid var(--ls-line);border-radius:var(--ls-radius);padding:22px;display:flex;gap:18px;align-items:flex-start}.t-v45 .ls-author__avatar{width:52px;height:52px;border-radius:50%;background:var(--ls-brand-wash);flex:none;display:grid;place-content:center;font-weight:700;color:var(--ls-brand-mid);font-size:17px;-o-object-fit:cover;object-fit:cover}.t-v45 .ls-author__who{font-weight:700;font-size:16px}.t-v45 .ls-author__role{color:var(--ls-muted);font-size:14px;margin:2px 0 8px}.t-v45 .ls-author p{margin:0;font-size:14.5px;color:var(--ls-muted);line-height:1.55;max-width:70ch}.t-v45 .ls-author__rev{margin-top:9px;font-size:13px}.t-v45 .ls-author__rev b{color:var(--ls-ink)}.t-v45 .ls-ctafoot{background:var(--ls-brand-deep);color:var(--ls-on-deep);border-radius:var(--ls-radius-lg);padding:32px 34px;display:flex;gap:26px;align-items:center;justify-content:space-between;flex-wrap:wrap}.t-v45 .ls-ctafoot h2{font-size:24px;font-weight:700;letter-spacing:-.015em;max-width:24ch}.t-v45 .ls-ctafoot p{margin:8px 0 0;color:var(--ls-on-deep-dim);font-size:15.5px;max-width:54ch}.t-v45 .ls-jump{background:var(--ls-canvas);border:1px solid var(--ls-line);border-radius:var(--ls-radius);padding:18px 20px;margin-block:24px}.t-v45 .ls-jump__h{font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--ls-muted);font-weight:700;margin-bottom:11px}.t-v45 .ls-jump ol{margin:0;padding-left:20px;display:flex;flex-direction:column;gap:7px;font-size:15px}.t-v45 .ls-jump a{color:var(--ls-brand-mid);font-weight:600;text-decoration:none}.t-v45 .ls-jump a:hover{text-decoration:underline}.t-v45 .ls-foot{position:relative;overflow:hidden;background:var(--ls-brand-deep);color:var(--ls-on-deep-dim);margin-top:56px;padding-block:48px 0;font-size:14.5px}.t-v45 .ls-foot:before{content:"";position:absolute;inset:0;pointer-events:none;background:radial-gradient(760px 340px at 16% 104%,rgba(30,140,104,.32),transparent 68%)}.t-v45 .ls-foot>*{position:relative;z-index:2}.t-v45 .ls-foot__brand{display:grid;gap:10px;padding-bottom:26px;margin-bottom:30px;border-bottom:1px solid rgba(255,255,255,.12)}.t-v45 .ls-foot__claim{margin:0;max-width:52ch;line-height:1.6;color:var(--ls-on-deep-dim)}.t-v45 .ls-foot__cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(168px,1fr));gap:30px 26px}.t-v45 .ls-foot__heading{position:relative;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--ls-on-deep);font-weight:700;margin:0 0 14px;padding-bottom:9px}.t-v45 .ls-foot__heading:after{content:"";position:absolute;left:0;bottom:0;width:18px;height:2px;background:var(--ls-accent)}.t-v45 .ls-foot__heading--mark{font-size:20px;letter-spacing:-.01em;text-transform:none;margin:0;padding-bottom:0}.t-v45 .ls-foot__heading--mark:after{content:none}.t-v45 .ls-foot ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}.t-v45 .ls-foot a{color:var(--ls-on-deep-dim);text-decoration:none;transition:color .14s ease}.t-v45 .ls-foot a:hover{color:var(--ls-on-deep);text-decoration:underline;text-decoration-color:var(--ls-on-deep-accent);text-underline-offset:3px}.t-v45 .ls-foot a:focus-visible{outline:2px solid var(--ls-on-deep-accent);outline-offset:3px;border-radius:2px}.t-v45 .ls-foot__disclosure{margin-top:34px;padding:20px 0 30px;border-top:1px solid rgba(255,255,255,.12);font-size:13px;line-height:1.6;color:var(--ls-on-deep-dim);background:transparent}.t-v45 .ls-foot__legal{margin:0 0 10px;max-width:84ch;border-left:2px solid var(--ls-accent);padding-left:14px}.t-v45 .ls-foot__copy{margin:0;color:var(--ls-on-deep-dim);opacity:.8}@media(max-width:760px){.t-v45 .ls-foot__cols{grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:26px 20px}}.t-v45 .ls-sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);clip-path:inset(50%);white-space:nowrap;border:0}.t-v45 .ls-index-block{background:var(--ls-surface)}.t-v45 .ls-index-block>.ls-indexwrap,.t-v45 .ls-index-block>.ls-empty,.t-v45 .ls-index-block>.ls-index__foot{max-width:var(--ls-shell);margin-inline:auto;padding-inline:var(--ls-gutter);box-sizing:border-box}.t-v45 .ls-index__none{color:var(--ls-muted);font-size:13.5px;white-space:nowrap}.t-v45 .ls-fact__logo{padding:16px 20px 0}.t-v45 .ls-fact__logo img{max-width:160px;max-height:48px;width:auto;height:auto;-o-object-fit:contain;object-fit:contain}.t-v45 .ls-fact__type{margin:0;padding:14px 20px 0;display:flex;align-items:center;gap:10px;font-size:14px;color:var(--ls-muted)}.t-v45 .ls-fact__type span{width:30px;height:30px;border-radius:50%;background:var(--ls-brand-wash);color:var(--ls-brand-mid);display:grid;place-content:center;font-weight:700;font-size:14px;flex:none}.t-v45 .ls-related__all{margin:16px 0 0;font-size:13.5px;color:var(--ls-muted)}.t-v45 .ls-related__all a{color:var(--ls-brand-mid);font-weight:600}.t-v45 .ls-cols>.ls-sec,.t-v45 .ls-cols>.ls-sec--tight{padding-block:0 28px}.t-v45 .ls-cols>.ls-sec>.ls-wrap,.t-v45 .ls-cols>.ls-sec--tight>.ls-wrap{max-width:none;padding-inline:0}.t-v45 .ls-cols .ls-toc{padding-top:4px}.t-v45 .ls-cols--review{grid-template-columns:minmax(0,1fr) 360px}@media(max-width:900px){.t-v45 .ls-cols--review{grid-template-columns:1fr}}.t-v45 .ls-cols--review .ls-fact{position:sticky;top:16px}@media(max-width:900px){.t-v45 .ls-cols--review .ls-fact{position:static}}.t-v45 .ls-calc__intro{margin:-8px 0 20px;color:var(--ls-muted);font-size:14.5px;line-height:1.55}.t-v45 .ls-result__rows{display:flex;flex-direction:column;gap:0}.t-v45 .ls-result__rows .ls-result__row{margin:0}.t-v45 .ls-related{padding-top:4px}.t-v45 .finance-network-disclosure{--nd-surface: transparent;--nd-rule: rgba(255, 255, 255, .12);--nd-width: var(--ls-shell);--nd-pad: 26px var(--ls-gutter);--nd-pad-sm: 22px var(--ls-gutter);--nd-gap: 26px;--nd-eyebrow: var(--ls-on-deep-dim);--nd-eyebrow-font: var(--ls-ui);--nd-eyebrow-size: .75rem;--nd-eyebrow-tracking: .11em;--nd-eyebrow-transform: uppercase;--nd-publisher: var(--ls-on-deep-dim);--nd-publisher-font: var(--ls-ui);--nd-publisher-size: .8125rem;--nd-name: var(--ls-on-deep);--nd-name-weight: 700;--nd-body: var(--ls-on-deep-dim);--nd-body-size: .8125rem;--nd-muted: var(--ls-on-deep-dim);--nd-link: var(--ls-on-deep);--nd-link-hover: var(--ls-on-deep-accent);--nd-link-size: .875rem;--nd-card-fill: rgba(255, 255, 255, .05);--nd-card-fill-hover: rgba(255, 255, 255, .09);--nd-card-rule: rgba(255, 255, 255, .13);--nd-card-rule-hover: var(--ls-brand);--nd-card-radius: var(--ls-radius);--nd-card-pad: 14px 16px;--nd-card-gap: 12px;--nd-chip-fill: rgba(255, 255, 255, .07);--nd-chip-ink: var(--ls-on-deep);--nd-chip-rule: rgba(255, 255, 255, .16);--nd-chip-label: var(--ls-on-deep-dim);--nd-chip-font: var(--ls-ui);--nd-chip-radius: 20px;--nd-chip-pad: 4px 11px;border-top:1px solid rgba(255,255,255,.12)}.t-v45{--mnav-surface: var(--ls-canvas);--mnav-ink: var(--ls-ink);--mnav-line: var(--ls-line);--mnav-accent: var(--ls-brand-deep);--mnav-accent-ink: #FFFFFF;--mnav-scrim: rgba(23, 32, 42, .46)}@media(max-width:900px){.t-v45 .ls-nav>*:not(.ls-logo):not(.thb-mnav-burger){display:none}.t-v45 .ls-nav{flex-wrap:nowrap;gap:12px;padding-block:10px}.t-v45 .ls-logo{min-width:0}}
