/* Start custom CSS for text-editor, class: .elementor-element-569b66d6 */html body .krm04,html body .krm04 *{box-sizing:border-box}
html body .krm04{--ink:#102233;--soft:#405767;--muted:#647789;--line:#d7e2ea;--blue:#0878e5;--teal:#087c88;--cyan:#18bfd0;--yellow:#ffd400;--green:#15814c;--bg:#f3f8fa;--dark:#102f46;--shadow:0 18px 48px rgba(16,34,51,.10);color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:17px;line-height:1.66;isolation:isolate}
html body .krm04 img{display:block;max-width:100%;height:auto}
html body .krm04 a{color:#006eb8!important;text-decoration-thickness:1px;text-underline-offset:3px}
html body .krm04 a:focus-visible,html body .krm04 summary:focus-visible{outline:3px solid rgba(8,120,229,.32)!important;outline-offset:3px!important}
html body .krm04 .krm04__shell{position:relative;left:50%;width:min(1400px,calc(100vw - 28px));margin-left:0;padding:24px 0 84px;transform:translateX(-50%)}
html body .krm04 h1,html body .krm04 h2,html body .krm04 h3,html body .krm04 p,html body .krm04 ul{margin-top:0}
html body .krm04 h1,html body .krm04 h2,html body .krm04 h3,html body .krm04 strong,html body .krm04 summary{text-transform:none!important;letter-spacing:normal}
html body .krm04 h2{margin-bottom:16px;color:var(--ink)!important;font-size:clamp(2rem,2.8vw,3.15rem);line-height:1.08}
html body .krm04 h3{margin-bottom:8px;color:var(--ink)!important;font-size:1.2rem;line-height:1.25}
html body .krm04 p,html body .krm04 li{color:var(--soft)!important;font-size:1.03rem!important;line-height:1.66}
html body .krm04 .krm04__hero{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(500px,.75fr);min-height:590px;border-radius:22px;overflow:hidden;background:#dfeaf0;box-shadow:var(--shadow)}
html body .krm04 .krm04__hero-media{min-height:590px;background:#e5eef3}
html body .krm04 .krm04__hero-media img{width:100%;height:100%;object-fit:cover}
html body .krm04 .krm04__hero-panel{display:flex;flex-direction:column;justify-content:center;padding:clamp(42px,4vw,68px);background:linear-gradient(145deg,#102233,#123f5a 58%,#087c88)}
html body .krm04 .krm04__hero-panel .krm04__eyebrow{margin:0 0 12px;color:#65e1ea!important;font-size:.77rem!important;font-weight:900;letter-spacing:.11em;text-transform:uppercase!important}
html body .krm04 .krm04__hero-panel h1{margin:0 0 22px;color:#fff!important;font-size:clamp(2.45rem,3.3vw,4rem);line-height:1.02;letter-spacing:-.035em!important;text-shadow:0 1px 1px rgba(0,0,0,.18)}
html body .krm04 .krm04__hero-panel .krm04__lead{margin:0 0 20px;color:#e4f0f4!important;font-size:1.08rem!important}
html body .krm04 .krm04__hero-points{display:grid;gap:8px;margin:0 0 24px;padding:0;list-style:none}
html body .krm04 .krm04__hero-points li{position:relative;padding-left:20px;color:#fff!important;font-size:.98rem!important;font-weight:800}
html body .krm04 .krm04__hero-points li::before{content:"";position:absolute;left:0;top:.62em;width:8px;height:8px;border-radius:50%;background:var(--yellow)}
html body .krm04 .krm04__button{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:13px 22px;border-radius:9px;font-weight:900;text-decoration:none!important;box-shadow:0 10px 24px rgba(255,212,0,.25)}
html body .krm04 .krm04__button--primary{align-self:flex-start;color:#151515!important;background:var(--yellow)!important}
html body .krm04 .krm04__quicknav{display:flex;gap:8px;margin-top:14px;padding:10px;border:1px solid var(--line);border-radius:11px;background:#fff;box-shadow:0 7px 20px rgba(16,34,51,.05);overflow-x:auto}
html body .krm04 .krm04__quicknav a{flex:0 0 auto;padding:7px 11px;border-radius:7px;color:var(--ink)!important;font-size:.84rem;font-weight:800;text-decoration:none!important}
html body .krm04 .krm04__section{padding:clamp(52px,5vw,76px) 0}
html body .krm04 .krm04__section-head{max-width:990px;margin-bottom:34px}
html body .krm04 .krm04__kicker{margin:0 0 8px;color:var(--teal)!important;font-size:.76rem!important;font-weight:900;letter-spacing:.1em;text-transform:uppercase!important}
html body .krm04 .krm04__key-answer{padding:16px 18px;border-left:5px solid var(--cyan);border-radius:8px;background:#edfafd;color:#16485a!important}
html body .krm04 .krm04__figure{margin:28px auto 0;border:1px solid var(--line);border-radius:17px;background:#fff;overflow:hidden;box-shadow:0 12px 32px rgba(16,34,51,.07)}
html body .krm04 .krm04__figure img{width:100%;aspect-ratio:14/9;object-fit:cover;background:#eff5f7}
html body .krm04 .krm04__figure figcaption{padding:13px 17px;color:var(--muted)!important;font-size:.82rem}
html body .krm04 .krm04__section--tint{padding:clamp(34px,4vw,54px);border:1px solid #cfe3e8;border-radius:22px;background:#eef9fb}
html body .krm04 .krm04__note{padding:18px 20px;border-left:6px solid var(--yellow);border-radius:9px;background:#fff8d8}
html body .krm04 .krm04__note strong,html body .krm04 .krm04__note p{color:#5e4b00!important}
html body .krm04 .krm04__cta{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:34px;align-items:center;padding:clamp(34px,4vw,54px);border-radius:22px;background:linear-gradient(120deg,#102233,#123f5a 58%,#087c88);box-shadow:var(--shadow)}
html body .krm04 .krm04__cta .krm04__eyebrow{color:#65e1ea!important}
html body .krm04 .krm04__cta h2{margin-bottom:10px;color:#fff!important}
html body .krm04 .krm04__cta p{margin-bottom:0;color:#e3f0f3!important}
html body .krm04 .krm04__cta .krm04__button{color:#151515!important;background:var(--yellow)!important}
html body .krm04 .krm04__related-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
html body .krm04 .krm04__related-card{display:block!important;height:100%!important;min-height:190px!important;border:1px solid var(--line)!important;border-top:4px solid var(--cyan)!important;border-radius:15px!important;background:#fff!important;color:var(--ink)!important;text-decoration:none!important;box-shadow:0 9px 25px rgba(16,34,51,.055)!important}
html body .krm04 .krm04__related-inner{display:flex!important;flex-direction:column!important;height:100%!important;padding:24px!important}
html body .krm04 .krm04__related-label{display:block!important;color:var(--teal)!important;font-size:.72rem!important;font-weight:900!important;letter-spacing:.08em!important;text-transform:uppercase!important}
html body .krm04 .krm04__related-title{display:block!important;margin:7px 0 8px!important;color:var(--ink)!important;font-size:1.18rem!important}
html body .krm04 .krm04__related-text{display:block!important;flex:1 1 auto!important;margin:0 0 15px!important;color:var(--soft)!important;font-size:.95rem!important}
html body .krm04 .krm04__related-link{display:block!important;margin-top:auto!important;color:var(--teal)!important;font-size:.85rem!important;font-weight:900!important}
html body .krm04 .krm04__faq{padding:clamp(34px,4vw,52px);border:1px solid var(--line);border-radius:22px;background:linear-gradient(180deg,#f7fbfc,#fff);box-shadow:0 12px 34px rgba(16,34,51,.055)}
html body .krm04 .krm04__faq-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
html body .krm04 .krm04__faq details{border:1px solid var(--line);border-radius:12px;background:#fff;overflow:hidden}
html body .krm04 .krm04__faq summary{position:relative;min-height:68px;padding:18px 50px 18px 19px;color:var(--ink)!important;font-size:.96rem;font-weight:900;cursor:pointer;list-style:none}
html body .krm04 .krm04__faq summary::-webkit-details-marker{display:none}
html body .krm04 .krm04__faq summary::after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);color:var(--blue)!important;font-size:1.35rem}
html body .krm04 .krm04__faq details[open] summary::after{content:"–"}
html body .krm04 .krm04__faq details div{padding:0 19px 18px}
html body .krm04 .krm04__faq details p{margin:0;font-size:.92rem!important}
html body .krm04 .krm04__contact{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:24px;align-items:center;margin-top:22px;padding:22px 25px;border:1px solid var(--line);border-radius:16px;background:#f7fafb}
html body .krm04 .krm04__contact h2{margin:0 0 5px;font-size:1.35rem}
html body .krm04 .krm04__contact p{margin:0;font-size:.91rem!important}
html body .krm04 .krm04__contact-links{display:flex;gap:9px;flex-wrap:wrap}
html body .krm04 .krm04__contact-links a{display:inline-flex;align-items:center;min-height:44px;padding:10px 14px;border-radius:8px;color:#fff!important;background:var(--teal)!important;font-size:.88rem;font-weight:900;text-decoration:none!important}
@media(max-width:1050px){html body .krm04 .krm04__hero{grid-template-columns:1fr}html body .krm04 .krm04__hero-media{min-height:0;aspect-ratio:16/7}html body .krm04 .krm04__cta{grid-template-columns:1fr}}
@media(max-width:780px){html body .krm04 .krm04__shell{width:min(100% - 20px,1400px);padding-top:10px}html body .krm04 .krm04__hero-media{aspect-ratio:16/9}html body .krm04 .krm04__hero-panel{padding:30px 22px 34px}html body .krm04 .krm04__hero-panel h1{font-size:clamp(2.05rem,9vw,3rem)}html body .krm04 .krm04__button{width:100%;align-self:stretch;text-align:center}html body .krm04 .krm04__section{padding:48px 0}html body .krm04 .krm04__section--tint{padding:26px 17px}html body .krm04 .krm04__related-grid,html body .krm04 .krm04__faq-list{grid-template-columns:1fr}html body .krm04 .krm04__contact{grid-template-columns:1fr}html body .krm04 .krm04__contact-links a{flex:1 1 100%;justify-content:center}}
@media(prefers-reduced-motion:reduce){html body .krm04 *,html body .krm04 *::before,html body .krm04 *::after{transition:none!important;animation:none!important;scroll-behavior:auto!important}}

html body .krm04 .krm04__intro{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(300px,.65fr);gap:44px;align-items:center}.krm04__price-path{display:grid;gap:9px;padding:24px;border-radius:17px;background:#102f46}.krm04__price-path span{padding:11px 14px;border:1px solid rgba(255,255,255,.15);border-radius:8px;color:#fff!important;font-weight:900}.krm04__factor-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.krm04__factor-grid article{padding:23px;border:1px solid var(--line);border-radius:14px;background:#fff}.krm04__factor-grid span{color:var(--teal)!important;font-size:.73rem;font-weight:900;text-transform:uppercase}.krm04__scenario-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.krm04__scenario-grid article{display:flex;flex-direction:column;padding:25px;border:1px solid var(--line);border-radius:15px}.krm04__scenario-grid span{margin-top:auto;padding-top:14px;border-top:1px dashed var(--line);color:var(--teal)!important;font-weight:900}.krm04__do-dont{display:grid;grid-template-columns:1fr 1fr;gap:20px}.krm04__do-dont>div{padding:27px;border-radius:16px;background:#eff9fb}.krm04__do-dont>div:last-child{background:#fff4df}@media(max-width:900px){html body .krm04 .krm04__intro{grid-template-columns:1fr}.krm04__factor-grid,.krm04__scenario-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:620px){.krm04__factor-grid,.krm04__scenario-grid,.krm04__do-dont{grid-template-columns:1fr}}/* End custom CSS */