:root{--tbp-ink:#16252c;--tbp-navy:#102f3c;--tbp-blue:#174a5d;--tbp-teal:#1d6b67;--tbp-gold:#e5a72f;--tbp-red:#9b3d32;--tbp-paper:#fbf7ed;--tbp-mist:#e9f1ef;--tbp-line:rgba(22,37,44,.16);--tbp-white:#fffefa;--tbp-shadow:0 24px 65px rgba(13,41,51,.14)}
.tbp{background:var(--tbp-white);color:var(--tbp-ink);font-family:inherit;line-height:1.85;overflow:hidden}.tbp *{box-sizing:border-box}.tbp a{color:var(--tbp-blue);text-underline-offset:4px}.tbp a:focus-visible,.tbp button:focus-visible,.tbp select:focus-visible,.tbp input:focus-visible,.tbp summary:focus-visible,.tbp [tabindex]:focus-visible{outline:3px solid #f0b542;outline-offset:3px}.tbp-shell{width:min(1160px,calc(100% - 40px));margin-inline:auto}.tbp-section{padding:86px 0}.tbp h1,.tbp h2,.tbp h3,.tbp p{margin-top:0}.tbp h1{max-width:850px;font-size:clamp(2.7rem,7vw,5.65rem);line-height:1.04;letter-spacing:-.05em;margin-bottom:28px}.tbp h2{font-size:clamp(2rem,4.2vw,3.65rem);line-height:1.14;letter-spacing:-.035em;margin-bottom:20px}.tbp h3{font-size:1.32rem;line-height:1.38}.tbp-kicker{color:var(--tbp-red);font-size:.77rem;font-weight:900;letter-spacing:.07em;margin-bottom:13px}.tbp-heading{max-width:830px;margin-bottom:38px}.tbp-heading>p:last-child{font-size:1.06rem;color:#44545a}.tbp-btn{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:11px 22px;border:0;border-radius:2px;font:inherit;font-weight:900;text-decoration:none;cursor:pointer;transition:transform .18s,box-shadow .18s}.tbp-btn:hover{transform:translateY(-2px)}.tbp-btn--gold{background:var(--tbp-gold);color:#1b221e!important;box-shadow:0 10px 26px rgba(229,167,47,.25)}.tbp-btn--line{border:1px solid rgba(255,255,255,.6);color:#fff!important;background:transparent}.tbp-btn--ink{background:var(--tbp-navy);color:#fff!important}.tbp-hero{position:relative;padding:130px 0 98px;background:var(--tbp-navy);color:#fff}.tbp-hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(229,167,47,.12) 1px,transparent 1px),linear-gradient(90deg,rgba(229,167,47,.12) 1px,transparent 1px);background-size:38px 38px;mask-image:linear-gradient(to left,#000,transparent 75%)}.tbp-hero:after{content:"";position:absolute;bottom:-1px;left:0;right:0;height:54px;background:var(--tbp-paper);clip-path:polygon(0 72%,12% 40%,23% 74%,35% 34%,49% 72%,62% 42%,76% 76%,90% 36%,100% 68%,100% 100%,0 100%)}.tbp-hero .tbp-shell{position:relative;z-index:1}.tbp-crumb{display:flex;gap:10px;flex-wrap:wrap;align-items:center;margin-bottom:46px;font-size:.84rem}.tbp-crumb a{color:#d6e8e7}.tbp-hero__grid{display:grid;grid-template-columns:1.35fr .65fr;gap:68px;align-items:end}.tbp-hero .tbp-kicker{color:#ffd87e}.tbp-lead{font-size:clamp(1.08rem,2vw,1.34rem);max-width:760px;color:#e0ecec}.tbp-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.tbp-ledger{position:relative;padding:30px;background:var(--tbp-paper);color:var(--tbp-ink);box-shadow:var(--tbp-shadow);border-top:7px solid var(--tbp-gold);transform:rotate(1deg)}.tbp-ledger:before{content:"";position:absolute;right:22px;top:0;bottom:0;border-right:1px solid rgba(155,61,50,.25)}.tbp-ledger>span{font-size:.69rem;letter-spacing:.17em;color:var(--tbp-red);font-weight:900}.tbp-ledger>strong{display:block;font-size:2rem;margin:22px 0}.tbp-ledger dl{margin:0}.tbp-ledger dl div{display:flex;justify-content:space-between;gap:12px;border-top:1px solid var(--tbp-line);padding:10px 0}.tbp-ledger dt{font-size:.8rem}.tbp-ledger dd{margin:0;font-weight:900;text-align:left}.tbp-ledger small{display:block;color:#5e686b;margin-top:13px}.tbp-strip{background:var(--tbp-paper);padding:32px 0 44px}.tbp-strip .tbp-shell{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid #d8ccb3}.tbp-strip .tbp-shell>div{display:flex;align-items:center;gap:12px;padding:18px;border-left:1px solid #d8ccb3}.tbp-strip .tbp-shell>div:last-child{border-left:0}.tbp-strip b{color:var(--tbp-red);font-size:.75rem}.tbp-strip span{font-weight:850}.tbp-intro{display:grid;grid-template-columns:.65fr 1.35fr;gap:65px}.tbp-intro>div>p{font-size:1.07rem}.tbp-note{padding:24px 26px;background:var(--tbp-mist);border-right:5px solid var(--tbp-teal);margin-top:26px}.tbp-brief{background:var(--tbp-mist)}.tbp-brief__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:#ccd8d5;border:1px solid #ccd8d5}.tbp-brief__grid article{padding:25px;background:#fff}.tbp-brief__grid article:last-child{grid-column:span 2}.tbp-brief__grid b{color:var(--tbp-red);font-size:.76rem}.tbp-buckets{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.tbp-buckets article{padding:27px 24px;background:var(--tbp-paper);border-bottom:4px solid var(--tbp-teal)}.tbp-buckets span{color:var(--tbp-red);font-size:.7rem;font-weight:900;letter-spacing:.12em}.tbp-ranges{display:flex;flex-wrap:wrap;align-items:center;gap:8px;padding:24px;margin-top:28px;background:var(--tbp-navy);color:#fff!important}.tbp-ranges b{width:100%;font-size:1.1rem}.tbp-ranges span{padding:5px 10px;background:rgba(255,255,255,.1);font-weight:800}.tbp-ranges small{display:block;width:100%;color:#d8e5e5}.tbp-planner{background:var(--tbp-navy);color:#fff!important}.tbp-planner__grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:70px;align-items:center}.tbp-planner .tbp-kicker{color:#ffd87e}.tbp-planner h2,.tbp-planner p,.tbp-planner label{color:#fff!important}.tbp-form{display:grid;grid-template-columns:repeat(2,1fr);gap:13px;margin-top:28px}.tbp-form label{font-weight:900;font-size:.82rem}.tbp-form select{display:block;width:100%;min-height:48px;margin-top:7px;padding:8px 12px;background:#fff;color:var(--tbp-ink);border:1px solid #a7bbb8;font:inherit}.tbp-plan{padding:34px;background:var(--tbp-paper);color:var(--tbp-ink)!important;border:2px dashed #c89a42;box-shadow:0 25px 70px rgba(0,0,0,.2)}.tbp-plan>span{color:var(--tbp-red);font-size:.7rem;font-weight:900;letter-spacing:.16em}.tbp-plan h3{font-size:2rem;margin:18px 0 10px;color:var(--tbp-blue)!important}.tbp-plan p,.tbp-plan li{color:var(--tbp-ink)!important}.tbp-plan li{margin:7px 0}.tbp-quote-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.tbp-quote-grid article{padding:27px;background:#fff;border:1px solid var(--tbp-line);box-shadow:0 10px 30px rgba(13,41,51,.06)}.tbp-quote-grid b{font-size:1.28rem;color:var(--tbp-blue)}.tbp-quote-grid li{margin:8px 0}.tbp-formula{display:flex;align-items:center;justify-content:center;flex-wrap:wrap;gap:10px;padding:25px;margin-top:28px;background:var(--tbp-mist)}.tbp-formula span{padding:6px 12px;background:#fff;font-weight:850}.tbp-formula i{font-style:normal;color:var(--tbp-red);font-weight:900}.tbp-formula p{width:100%;text-align:center;margin-bottom:0;color:#48585d}.tbp-currency{background:var(--tbp-paper)}.tbp-split{display:grid;grid-template-columns:1.35fr .65fr;gap:66px;align-items:start}.tbp-numbered{list-style:none;padding:0;counter-reset:tbp-counter}.tbp-numbered li{counter-increment:tbp-counter;position:relative;padding:13px 54px 13px 0;border-bottom:1px solid var(--tbp-line)}.tbp-numbered li:before{content:counter(tbp-counter,decimal-leading-zero);position:absolute;right:0;color:var(--tbp-red);font-weight:900}.tbp-source-card,.tbp-dont{display:grid;gap:10px;padding:30px;background:var(--tbp-navy);color:#fff!important;box-shadow:var(--tbp-shadow)}.tbp-source-card>span,.tbp-dont>span{color:#ffd87e;font-size:.75rem;font-weight:900}.tbp-source-card h3,.tbp-source-card p,.tbp-source-card small,.tbp-dont li{color:#fff!important}.tbp-source-card a,.tbp-dont a{color:#fff!important;font-weight:900}.tbp-examples{display:grid;grid-template-columns:1fr 1fr;gap:20px}.tbp-examples article{padding:32px;border:1px solid var(--tbp-line);background:#fff}.tbp-examples article>span{color:var(--tbp-red);font-weight:900}.tbp-examples dl div{display:flex;justify-content:space-between;gap:10px;padding:8px 0;border-bottom:1px solid var(--tbp-line)}.tbp-examples dd{margin:0;font-weight:900}.tbp-examples article>b{display:block;margin-top:18px;font-size:1.22rem;color:var(--tbp-teal)}.tbp-examples article>p{margin:14px 0 0;color:#47575d}.tbp-timeline{background:var(--tbp-mist)}.tbp-timeline__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.tbp-timeline__grid article{padding:25px;background:#fff;border-top:4px solid var(--tbp-gold)}.tbp-timeline__grid span{color:var(--tbp-red);font-weight:900}.tbp-template{background:var(--tbp-paper)}.tbp-template__grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}.tbp-template__actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}.tbp-status{font-size:.85rem;color:#4c5b60;margin-top:12px}.tbp-template aside{padding:24px;background:#fff;border:1px solid var(--tbp-line);box-shadow:var(--tbp-shadow)}.tbp-table-wrap{overflow-x:auto}.tbp table{width:100%;min-width:500px;border-collapse:collapse}.tbp caption{font-weight:900;text-align:right;padding:8px}.tbp th,.tbp td{padding:12px;border-bottom:1px solid var(--tbp-line);text-align:right}.tbp thead th{background:var(--tbp-navy);color:#fff}.tbp-template aside small{display:block;margin-top:10px;color:#536168}.tbp-dont ul{padding-right:22px}.tbp-mistakes{background:var(--tbp-paper)}.tbp-mistakes__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.tbp-mistakes__grid article{padding:24px;background:rgba(255,255,255,.72);border:1px solid #e0d6c2}.tbp-mistakes__grid b{color:var(--tbp-red);font-size:.75rem}.tbp-check{background:var(--tbp-navy);color:#fff!important}.tbp-check__grid{display:grid;grid-template-columns:.7fr 1.3fr;gap:65px;align-items:start}.tbp-check h2,.tbp-check p,.tbp-check strong{color:#fff!important}.tbp-check .tbp-kicker{color:#ffd87e}.tbp-progress{height:12px;background:rgba(255,255,255,.15);margin:24px 0 10px;overflow:hidden}.tbp-progress i{display:block;width:0;height:100%;background:var(--tbp-gold);transition:width .2s}.tbp-checklist{display:grid;grid-template-columns:1fr 1fr;gap:10px}.tbp-checklist label{display:flex;align-items:center;gap:12px;min-height:56px;padding:10px 15px;background:rgba(255,255,255,.08);color:#fff!important;cursor:pointer}.tbp-checklist input{width:24px;height:24px;flex:0 0 auto}.tbp-faq{background:var(--tbp-mist)}.tbp-faq__grid{display:grid;grid-template-columns:.62fr 1.38fr;gap:70px}.tbp-faq details{border-bottom:1px solid var(--tbp-line)}.tbp-faq summary{display:flex;justify-content:space-between;gap:16px;align-items:center;min-height:62px;padding:14px 0;cursor:pointer;font-weight:900;font-size:1.06rem}.tbp-faq summary::-webkit-details-marker{display:none}.tbp-faq summary span{position:relative;width:18px;height:18px;flex:0 0 auto}.tbp-faq summary span:before,.tbp-faq summary span:after{content:"";position:absolute;inset:8px 0 auto;background:var(--tbp-red);height:2px}.tbp-faq summary span:after{transform:rotate(90deg);transition:.2s}.tbp-faq details[open] summary span:after{transform:rotate(0)}.tbp-faq details p{padding-bottom:20px;color:#405158}.tbp-sources__grid{display:grid;grid-template-columns:1fr 1fr;gap:65px}.tbp-sources__grid>div:last-child{display:grid;gap:8px}.tbp-sources a{display:flex;align-items:center;min-height:48px;padding:10px 14px;background:var(--tbp-paper);font-weight:850;text-decoration:none}.tbp-final{padding:82px 0;background:var(--tbp-navy);color:#fff!important}.tbp-final__grid{display:grid;grid-template-columns:1.3fr .7fr;gap:70px;align-items:center}.tbp-final h2,.tbp-final p,.tbp-final small{color:#fff!important}.tbp-final .tbp-kicker{color:#ffd87e}.tbp-final__grid>div:last-child{display:grid;gap:12px}.tbp-final a:not(.tbp-btn){color:#fff!important;font-weight:900}.tbp-review{min-height:60vh;display:grid;place-items:center;padding:120px 24px;background:#102f3c;color:#fff}.tbp-review>div{max-width:680px;padding:45px;border:1px solid rgba(255,255,255,.26)}.tbp-review h1{font-size:clamp(2.5rem,6vw,5rem);line-height:1}.tbp-review a{color:#ffcf6b;font-weight:900}.tbp-bridge{background:#e9f1ef}.tbp-bridge strong{font-size:1.15rem}.tbp-bridge p{margin:7px 0 12px}
@media(max-width:980px){.tbp-hero__grid,.tbp-planner__grid,.tbp-split,.tbp-template__grid,.tbp-final__grid{grid-template-columns:1fr}.tbp-ledger{max-width:520px}.tbp-intro,.tbp-faq__grid,.tbp-sources__grid,.tbp-check__grid{grid-template-columns:1fr;gap:30px}.tbp-brief__grid,.tbp-buckets,.tbp-quote-grid,.tbp-timeline__grid,.tbp-mistakes__grid{grid-template-columns:1fr 1fr}.tbp-brief__grid article:last-child{grid-column:auto}.tbp-examples{grid-template-columns:1fr}}
@media(max-width:680px){.tbp-shell{width:min(100% - 28px,1160px)}.tbp-section{padding:62px 0}.tbp-hero{padding:108px 0 78px}.tbp h1{font-size:2.75rem}.tbp h2{font-size:2.14rem}.tbp-strip .tbp-shell,.tbp-brief__grid,.tbp-buckets,.tbp-quote-grid,.tbp-timeline__grid,.tbp-mistakes__grid,.tbp-checklist{grid-template-columns:1fr}.tbp-strip .tbp-shell>div{border-left:0;border-bottom:1px solid #d8ccb3}.tbp-form{grid-template-columns:1fr}.tbp-actions .tbp-btn,.tbp-template__actions .tbp-btn{width:100%}.tbp-ledger,.tbp-plan,.tbp-source-card,.tbp-dont{padding:24px}.tbp-final{padding:62px 0}}
.tbp .tbp-hero h1,.tbp .tbp-hero .tbp-lead{color:#fff!important}.tbp .tbp-hero .tbp-kicker{color:#ffd87e!important}.tbp .tbp-hero .tbp-crumb,.tbp .tbp-hero .tbp-crumb a{color:#dff0ef!important}
@media(prefers-reduced-motion:reduce){.tbp *{animation:none!important;transition:none!important;scroll-behavior:auto!important}.tbp-btn:hover{transform:none}.tbp-progress i{transition:none}}