:root{--ink:#252b2d;--muted:#626967;--red:#a52c36;--red-dark:#84212a;--line:#dfdfd8;--paper:#f6f5f0;--white:#fff;--radius:18px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;background:#fff;color:var(--ink);font:16px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif}a{color:inherit;text-decoration:none}button,input{font:inherit}button,a,input,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}img{max-width:100%;height:auto}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.16;letter-spacing:-.035em}h2{font-size:34px;margin-bottom:16px}h3{font-size:21px}p{margin-bottom:16px}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #257187;outline-offset:4px}main:focus{outline:none}.shell{width:min(1180px,calc(100% - 64px));margin-inline:auto}.skip-link{position:fixed;top:8px;left:8px;transform:translateY(-160%);background:var(--ink);color:white;padding:12px 24px;z-index:99999}.skip-link:focus{transform:none}.site-header{background:#fff;border-bottom:1px solid 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@media(min-width:1000px){.article-layout aside{position:sticky;top:24px}}
@media(max-width:1000px){.shell{width:calc(100% - 40px)}.main-nav{gap:18px;font-size:12px}.brand{font-size:20px}.hero-grid{gap:28px;grid-template-columns:minmax(0,1fr) minmax(340px,1fr)}.hero h1{font-size:48px;letter-spacing:-2px}.hero-copy{min-height:550px}.hero-lead{font-size:16px}.hero-photo{left:-25px;right:-25px;height:300px}.calculator{padding:26px}.offer-card{gap:18px;padding:20px;grid-template-columns:1fr 1fr 1fr}.offer-action{grid-column:1/-1;display:flex;align-items:center;gap:20px}.offer-action .button{width:auto;min-width:200px}.offer-action small{margin:0}.essentials{gap:36px;padding:32px}.article-layout{gap:30px;grid-template-columns:minmax(0,1fr) 340px}.prose h1{font-size:34px}}
@media(max-width:760px){.shell{width:calc(100% - 32px)}.header-inner{min-height:76px;flex-wrap:wrap;gap:0 10px;padding:16px 0 12px}.brand{font-size:20px;gap:6px}.brand svg{width:34px}.main-nav{order:3;width:100%;justify-content:space-between;gap:12px;margin-top:12px;border-top:1px solid #efefe8;padding-top:10px;font-size:12px}.languages a{min-width:30px;min-height:36px;padding:7px 5px}.hero-grid{grid-template-columns:1fr;gap:0;padding-top:30px;padding-bottom:26px}.hero-copy{min-height:360px}.hero .eyebrow{font-size:10px;margin-bottom:14px}.hero h1{font-size:44px;letter-spacing:-2px;margin-bottom:16px}.hero-lead{font-size:15px;line-height:1.55;max-width:440px;margin-bottom:0}.hero-role{display:none}.hero-photo{left:-16px;right:-16px;bottom:-5px;height:190px;mask-image:linear-gradient(to bottom,transparent,black 24%);-webkit-mask-image:linear-gradient(to bottom,transparent,black 24%)}.hero-photo img{object-position:center 70%}.calculator{padding:24px;border-radius:14px}.calculator h2{font-size:25px;margin-bottom:24px}.calc-top{margin-bottom:20px}.intro-strip{font-size:11px;gap:14px;padding:20px 0}.intro-strip span{align-items:start;gap:7px}.intro-strip b{display:none}.section{padding:40px 0}.section-heading{display:block}.section-heading h2{font-size:28px;margin-bottom:14px}.selection-summary{display:inline-block;font-size:13px;padding:5px 10px;margin:0 0 14px}.section-intro{font-size:13px;margin-bottom:20px}.offer-card{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:18px;padding:20px}.provider img{width:115px;height:44px;margin-bottom:6px}.provider h3{font-size:12px}.provider>span{font-size:10px}.offer-price{text-align:right}.offer-price strong{font-size:25px}.offer-price>span{font-size:10px}.offer-price small{font-size:10px}.offer-facts{grid-column:1/-1;display:flex;justify-content:space-between;border:0;border-top:1px solid var(--line);padding:14px 0 0;gap:20px}.offer-facts div+div{margin:0}.offer-facts div:last-child{text-align:right}.offer-facts dd{font-size:14px}.offer-action{display:block;grid-column:1/-1}.offer-action .button{width:100%;min-width:0;font-size:13px}.offer-action small{margin-top:8px}.disclosure{font-size:10px;margin-top:18px}.three-columns{grid-template-columns:1fr;gap:28px;margin-top:20px}.process-card{padding-top:16px}.process-card h3{max-width:none;margin-top:10px;font-size:22px}.process-card p{font-size:14px}.essentials{grid-template-columns:1fr;padding:26px;gap:18px;margin:0 0 12px}.essentials h2{font-size:28px}.essentials>div>p{margin-bottom:0}.checklist>div:first-child{padding-top:12px}.faq{grid-template-columns:1fr;gap:4px}.faq h2{font-size:28px}.faq summary{font-size:15px;padding:18px 0}.article-grid{grid-template-columns:1fr;gap:14px}.article-card{padding:24px}.article-card h3{font-size:23px}.article-tag{margin-bottom:14px}.footer-top{display:block}.footer-links{gap:16px;flex-wrap:wrap;margin-top:22px;font-size:12px}.site-footer{padding-top:32px}.footer-note{margin-bottom:22px}.article-layout{grid-template-columns:1fr;gap:26px}.article-layout aside{order:-1}.article-layout .calculator h2{font-size:24px}.prose h1{font-size:34px;overflow-wrap:anywhere}.prose h2{font-size:27px}.breadcrumbs{margin-bottom:22px}.interior{padding-top:22px;padding-bottom:40px}.aside-note{margin-bottom:0}.prose{min-width:0}}
@media(max-width:359px){.brand{font-size:18px}.brand svg{width:28px}.hero h1{font-size:39px}.hero-copy{min-height:360px}.calculator{padding:20px}.field-top{gap:8px}.field-top label{font-size:12px}.number-wrap input{font-size:25px;width:88px}.term-wrap input{width:55px}.offer-card{padding:16px}.offer-price strong{font-size:22px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

@media(max-width:760px){.hero-copy{min-height:0;padding-bottom:190px}.hero-photo{bottom:0}}

.brand-mark{flex:none;filter:drop-shadow(0 3px 4px #a52c3614)}.brand{gap:10px}.brand>span{letter-spacing:-.85px}.credit-types{display:grid;grid-template-columns:1fr 1fr;gap:6px;margin:0 0 22px;padding:5px;background:#f5f4ef;border-radius:12px}.credit-types a{padding:10px 8px;text-align:center;font-size:12px;font-weight:650;line-height:1.35;border-radius:8px;border:1px solid transparent;display:flex;align-items:center;justify-content:center;min-height:42px}.credit-types a:hover{border-color:#a52c36}.credit-types .selected{background:#a52c36;color:white;box-shadow:0 2px 4px #a52c3615}.topic-nav{display:flex;flex-wrap:wrap;gap:8px;margin:22px 0}.topic-nav a{border:1px solid #dcded5;border-radius:24px;padding:10px 16px;font-size:13px;background:white}.topic-nav a:hover,.topic-nav a[aria-current]{color:#a52c36;border-color:#a52c36;background:#fbf1f2}.article-card p{font-size:14px;line-height:1.7;color:var(--muted);margin:0 0 22px}.article-card h3{margin-bottom:14px}.article-meta{font-size:12px;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:20px}.related-reading{margin-top:36px;padding-top:12px;border-top:1px solid var(--line)}.knowledge{padding-top:12px}.knowledge h1{font-size:44px;letter-spacing:-1px}.article-tag{color:#a52c36;font-weight:650}.hero-photo{pointer-events:none}@media(max-width:760px){.brand svg.brand-mark{width:36px;height:36px}.credit-types{margin-bottom:18px}.credit-types a{font-size:11px;padding:10px 5px;min-height:44px}.knowledge h1{font-size:36px}.topic-nav{gap:6px}.topic-nav a{font-size:12px;padding:9px 12px}.brand{gap:8px}}@media(max-width:359px){.brand svg.brand-mark{width:30px;height:30px}.brand{font-size:17px}}

.brand{gap:11px}.brand-mark{width:48px;height:42px;filter:none}.brand-wordmark{font-weight:700;letter-spacing:-1.05px!important}.brand .brand-red{color:#a52c36}.brand .brand-lv{font-weight:400}.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:48px}.footer-identity .brand{color:#f1f1e9;font-size:24px;display:inline-flex}.footer-identity .brand-red{color:#ed939d}.footer-identity .brand-mark{width:46px;height:40px}.footer-identity p{font-size:12px;line-height:1.9;color:#c8cdc8}.footer-column{display:flex;flex-direction:column;gap:12px;align-items:start}.footer-column h2{font-size:13px;margin:5px 0 8px;color:#fff;letter-spacing:.04em}.footer-column a{font-size:13px;color:#d5dad5}.footer-column a:hover,.footer-legal a:hover{text-decoration:underline;text-underline-offset:4px}.footer-legal{display:flex;align-items:center;flex-wrap:wrap;gap:20px;padding:0 0 24px;font-size:12px}.footer-legal .kr-consent-settings{margin-left:auto}.footer-note{max-width:1000px}.legal-page{max-width:840px;margin:0 auto;padding-bottom:20px}.legal-page h1{font-size:44px}.legal-page h2{font-size:26px}.policy-date{font-size:12px;color:var(--muted)}.policy-table{overflow-x:auto;margin:24px 0;border:1px solid var(--line);border-radius:10px}.policy-table table{width:100%;border-collapse:collapse;font-size:13px;display:table}.policy-table th,.policy-table td{text-align:left;padding:15px;vertical-align:top;border-bottom:1px solid var(--line);line-height:1.65}.policy-table th{background:var(--paper);font-weight:700}.policy-table tr:last-child td{border:0}.policy-table code{overflow-wrap:anywhere;font-size:12px}.prose .policy-settings{display:inline-flex;width:auto;min-height:44px;color:#a52c36;text-decoration:none;padding:12px 18px;background:white}.contact-details{display:grid;grid-template-columns:170px 1fr;gap:16px 24px;padding:24px;background:var(--paper);border-radius:12px}.contact-details dt{font-size:13px;color:var(--muted)}.contact-details dd{margin:0;overflow-wrap:anywhere}
@media(max-width:760px){.brand svg.brand-mark{width:38px;height:34px}.brand{gap:8px}.brand-wordmark{letter-spacing:-.8px!important}.footer-grid{grid-template-columns:1fr 1fr;gap:28px 18px}.footer-identity{grid-column:1/-1}.footer-column a{font-size:12px;line-height:1.6}.footer-legal{gap:16px}.footer-legal .kr-consent-settings{margin-left:0}.legal-page h1{font-size:34px;overflow-wrap:normal}.legal-page h2{font-size:23px}.policy-table table{min-width:570px}.contact-details{grid-template-columns:1fr;gap:5px;padding:20px}.contact-details dd{margin-bottom:13px}}@media(max-width:359px){.brand svg.brand-mark{width:32px;height:30px}.brand{font-size:17px}.legal-page h1{font-size:30px}}

.credit-more{position:relative;min-width:0}
.credit-more summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:center;gap:8px;padding:10px 8px;min-height:42px;border:1px solid transparent;border-radius:8px;font-size:12px;font-weight:650;line-height:1.35}
.credit-more summary::-webkit-details-marker{display:none}
.credit-more summary:hover,.credit-more[open]>summary{border-color:#a52c36}
.credit-more summary:focus-visible{outline:3px solid #a52c36;outline-offset:3px}
.credit-more[open]>summary>span{transform:rotate(180deg)}
.credit-more-menu{position:absolute;right:0;top:calc(100% + 8px);z-index:30;width:310px;max-width:calc(100vw - 76px);max-height:360px;overflow:auto;padding:7px;background:white;border:1px solid #deded8;border-radius:12px;box-shadow:0 12px 36px #172b3a26}
.credit-types .credit-more-menu a{justify-content:flex-start;text-align:left;padding:11px 12px;min-height:44px;font-size:13px}
.credit-more-menu a:hover{background:#fbf1f2}
.credit-more-menu a.selected:hover{background:#a52c36}
.grid-note{font-size:11px;line-height:1.5;color:var(--muted);margin:12px 0}
@media(max-width:760px){.credit-more summary{font-size:11px;padding:10px 5px;min-height:44px}.credit-more-menu{max-height:300px}}

/* Product-specific editorial guides, kept below live offers. */
.credit-guide{border-top:1px solid var(--line)}
.credit-guide .section-heading h2{max-width:860px}
.guide-intro{font-size:18px;line-height:1.7;max-width:850px;margin:0 0 32px;color:var(--muted)}
.guide-layout{display:grid;grid-template-columns:minmax(0,1.65fr) minmax(250px,1fr);gap:56px;align-items:start}
.guide-prose h3{font-size:23px;line-height:1.3;margin:28px 0 12px;letter-spacing:-.5px}
.guide-prose h3:first-child{margin-top:0}
.guide-prose p{font-size:16px;line-height:1.8;color:var(--muted);margin:0 0 22px}
.guide-checklist{padding:28px;background:#f1f0e9;border:1px solid #e3e1d8;border-radius:16px}
.guide-checklist h3{font-size:20px;line-height:1.35;margin:0 0 20px}
.guide-checklist ul{margin:0 0 24px;padding-left:20px}
.guide-checklist li{padding-left:5px;margin:0 0 14px;font-size:14px;line-height:1.65}
.guide-checklist li::marker{color:var(--red)}
.guide-faq{max-width:850px;margin-top:38px}
.guide-faq>h3{font-size:25px;margin:0 0 20px}
.guide-faq details{border-bottom:1px solid var(--line);padding:18px 0}
.guide-faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:18px;font-weight:650;font-size:16px;line-height:1.5}
.guide-faq summary::-webkit-details-marker{display:none}
.guide-faq summary span{color:var(--red);font-size:22px;flex:none}
.guide-faq details[open] summary span{transform:rotate(45deg)}
.guide-faq p{font-size:15px;line-height:1.75;color:var(--muted);margin:14px 25px 0 0}
.guide-related{margin-top:34px}
.guide-related h3{font-size:18px;margin-bottom:14px}
.guide-related nav{display:flex;flex-wrap:wrap;gap:10px}
.guide-related a{border:1px solid var(--line);border-radius:22px;padding:10px 14px;font-size:13px;background:white}
.guide-related a:hover{border-color:var(--red);color:var(--red)}
.guide-source,.guide-meta{font-size:12px;line-height:1.7;color:var(--muted);margin-top:22px}
.guide-source a{text-decoration:underline;text-underline-offset:3px}
.guide-meta{margin-top:8px}
@media(max-width:760px){.guide-layout{grid-template-columns:1fr;gap:20px}.guide-intro{font-size:16px;margin-bottom:24px}.guide-prose h3{font-size:21px}.guide-prose p{font-size:15px}.guide-checklist{padding:22px}.guide-faq>h3{font-size:23px}.guide-faq summary{font-size:15px}}