/* Start custom CSS for html, class: .elementor-element-e7c4678 */.em-heat{--em-ink:#17283b;--em-muted:#52677c;--em-line:#dce6ef;--em-blue:#1768ac;--em-teal:#0d827d;--em-bg:#f4f8fb;--em-danger:#a43e3e;--em-green:#237758;box-sizing:border-box;color:var(--em-ink);font-family:inherit;font-size:16px;line-height:1.73;overflow-wrap:anywhere;margin:0 auto;max-width:1130px;padding:0 2px 42px;}
.em-heat *,.em-heat *::before,.em-heat *::after{box-sizing:border-box;}
.em-heat a{color:var(--em-blue);text-underline-offset:3px;text-decoration-thickness:1px;}
.em-heat a:hover{color:#0d4f83;}
.em-heat p{margin:0 0 1.08em;}
.em-heat h1,.em-heat h2,.em-heat h3{color:var(--em-ink);line-height:1.25;letter-spacing:-.024em;font-family:inherit;overflow-wrap:normal;hyphens:auto;}
.em-heat h1{font-size:clamp(29px,5.1vw,53px);font-weight:800;margin:14px 0 18px;max-width:1030px;}
.em-heat h2{font-size:clamp(24px,3.5vw,36px);font-weight:760;margin:0 0 20px;}
.em-heat h3{font-size:clamp(19px,2.6vw,24px);font-weight:730;margin:28px 0 12px;}
.em-heat ul,.em-heat ol{margin:0 0 18px;padding-left:22px;}
.em-heat li{padding-left:4px;margin-bottom:6px;}
.em-heat strong{font-weight:730;color:#173955;}
.em-heat__hero{background:linear-gradient(145deg,#edf7fc 1%,#f7fbff 58%,#fff 100%);border:1px solid #dcecf4;border-radius:22px;padding:clamp(22px,4vw,45px);margin:0 0 24px;position:relative;overflow:hidden;}
.em-heat__hero:after{content:"";pointer-events:none;position:absolute;width:260px;height:260px;border:34px solid rgba(18,130,147,.05);border-radius:50%;right:-124px;top:-155px;}
.em-heat__eyebrow,.em-heat__kicker,.em-heat__smallcap{font-weight:800;letter-spacing:.08em;text-transform:uppercase;font-size:11px;color:var(--em-teal);}
.em-heat__eyebrow{margin-bottom:6px!important;}
.em-heat__lead{font-size:clamp(16px,2.1vw,20px);color:#304f69;max-width:920px;line-height:1.65;}
.em-heat__tags{display:flex;flex-wrap:wrap;gap:8px;margin:24px 0 22px;}
.em-heat__tags span{background:#fff;border:1px solid #d5e7ed;border-radius:99px;padding:4px 12px;font-size:12px;color:#35566b;font-weight:650;}
.em-heat__hero-stats{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:9px;}
.em-heat__hero-stats div{background:#fff;border:1px solid var(--em-line);border-radius:13px;min-height:94px;padding:14px;display:flex;flex-direction:column;justify-content:center;}
.em-heat__hero-stats b{font-size:clamp(22px,4vw,30px);font-weight:800;line-height:1.08;letter-spacing:-.03em;color:#116583;}
.em-heat__hero-stats span{font-size:12px;color:var(--em-muted);margin-top:6px;line-height:1.4;}
.em-heat__hero-note{font-size:12px;line-height:1.65;color:var(--em-muted);margin:18px 0 0!important;max-width:900px;}
.em-heat__toc{border:1px solid var(--em-line);padding:21px;border-radius:17px;background:#fff;margin:0 0 40px;}
.em-heat__toc>strong{display:block;font-size:18px;margin-bottom:14px;color:#193a51;}
.em-heat__toc-grid{display:grid;grid-template-columns:1fr;gap:6px;}
.em-heat__toc-grid a{font-size:14px;line-height:1.43;text-decoration:none;border-radius:9px;background:var(--em-bg);padding:11px 12px;display:block;}
.em-heat__toc-grid a:hover{background:#e3f0f7;}
.em-heat__section{margin:0 0 clamp(44px,7vw,75px);scroll-margin-top:90px;}
.em-heat__kicker{margin:0 0 10px!important;}
.em-heat__cols{display:grid;grid-template-columns:1fr;gap:14px;margin:24px 0;}
.em-heat__panel{background:#fff;border:1px solid var(--em-line);border-radius:17px;padding:22px;box-shadow:0 7px 25px rgba(36,70,99,.045);}
.em-heat__panel h3{margin:6px 0 15px;}
.em-heat__panel p:last-child{margin-bottom:0;color:var(--em-muted);font-size:14px;}
.em-heat__panel--red{border-top:4px solid #c06b6b;background:#fffafa;}
.em-heat__panel--green{border-top:4px solid #4e9f80;background:#f9fffc;}
.em-heat__note,.em-heat__warning{margin:22px 0;padding:18px 19px;border-radius:14px;background:#eaf5f8;border-left:4px solid var(--em-teal);font-size:15px;line-height:1.72;}
.em-heat__warning{background:#fff8ec;border-left-color:#bd8835;}
.em-heat__note strong,.em-heat__warning strong{color:#173a50;}
.em-heat__flow{display:flex;flex-direction:column;align-items:stretch;gap:8px;margin:26px 0;padding:18px;background:var(--em-bg);border-radius:18px;border:1px solid var(--em-line);}
.em-heat__flowitem{flex:1;text-align:center;padding:13px 12px;border:1px solid #c7dce7;background:#fff;border-radius:12px;font-weight:800;font-size:15px;line-height:1.35;}
.em-heat__flowitem span{display:block;font-weight:450;font-size:12px;color:var(--em-muted);margin-top:5px;}
.em-heat__flow>i{transform:rotate(90deg);font-size:23px;font-style:normal;color:#2b8796;text-align:center;line-height:1;}
.em-heat__diagram{border-radius:19px;border:1px solid #b9d7e4;background:linear-gradient(135deg,#f1f9fd,#eef6fb);padding:17px;display:flex;flex-direction:column;gap:15px;margin:24px 0;}
.em-heat__diagram-top,.em-heat__diagram-bottom,.em-heat__diagram-branch{background:#fff;border:1px solid #d7e6ed;border-radius:14px;padding:17px;display:flex;flex-direction:column;align-items:center;text-align:center;gap:5px;line-height:1.42;}
.em-heat__diagram-top{font-weight:800;}
.em-heat__diagram-top b,.em-heat__diagram-bottom b,.em-heat__diagram-branch b{font-size:15px;}
.em-heat__diagram-top small,.em-heat__diagram-bottom small,.em-heat__diagram-branch small{font-size:12px;font-weight:450;color:var(--em-muted);}
.em-heat__diagram-top span,.em-heat__diagram-bottom span,.em-heat__diagram-branch span{font-size:23px;color:#198a96;line-height:1;}
.em-heat__diagram-top>b,.em-heat__diagram-bottom>b{color:#0d7182;}
.em-heat__diagram-branches{display:grid;grid-template-columns:1fr;gap:12px;}
.em-heat__diagram-branch em{font-size:12px;text-transform:uppercase;letter-spacing:.08em;font-weight:800;color:#166a91;font-style:normal;}
.em-heat__table-wrap{margin:21px 0 27px;overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--em-line);border-radius:13px;background:#fff;}
.em-heat table{width:100%;border-collapse:collapse;min-width:580px;font-size:13.5px;line-height:1.46;margin:0;}
.em-heat thead th{background:#edf5fa;color:#193e57;text-align:left;padding:13px 14px;font-weight:750;border-right:1px solid #dbe7ef;vertical-align:top;}
.em-heat thead th:last-child{border-right:0;}
.em-heat tbody td{border-top:1px solid #e5edf2;padding:12px 14px;vertical-align:top;}
.em-heat tbody tr:nth-child(even){background:#fbfdff;}
.em-heat tbody td:last-child{font-weight:640;font-variant-numeric:tabular-nums;}
.em-heat__sum{background:#e9f3f8!important;font-weight:800;}
.em-heat__sum td{border-top:2px solid #accddf;}
.em-heat__option{border:1px solid var(--em-line);border-radius:19px;overflow:hidden;margin:22px 0 30px;background:#fff;box-shadow:0 9px 26px rgba(20,50,75,.04);}
.em-heat__option-head{padding:24px;background:linear-gradient(115deg,#eaf5fb,#f8fbfd);border-bottom:1px solid var(--em-line);}
.em-heat__option-head>span{font-size:12px;letter-spacing:.09em;text-transform:uppercase;font-weight:800;color:#0d7784;}
.em-heat__option-head h3{margin:9px 0 9px;}
.em-heat__option-head p{color:var(--em-muted);margin:0;font-size:14px;}
.em-heat__option-body{padding:20px 22px;}
.em-heat__option-body>p:last-child{margin-bottom:0;}
.em-heat__option--featured{border-color:#93c6b7;}
.em-heat__option--featured .em-heat__option-head{background:linear-gradient(120deg,#e6f6ed,#f4faf7);}
.em-heat__plusminus{display:grid;grid-template-columns:1fr;gap:14px;margin:20px 0 2px;}
.em-heat__plusminus>div{border:1px solid #d8e5ec;border-radius:12px;padding:16px;background:#fafcfe;}
.em-heat__plusminus b{display:block;color:#23485e;margin-bottom:7px;}
.em-heat__plusminus ul{padding-left:20px;font-size:14px;margin-bottom:0;}
.em-heat__pricecards{display:grid;grid-template-columns:1fr;gap:12px;margin:24px 0;}
.em-heat__pricecards>div{border:1px solid #b7d8e2;background:#f1f8fb;border-radius:15px;padding:22px;display:flex;flex-direction:column;gap:8px;}
.em-heat__pricecards span{font-size:12px;text-transform:uppercase;letter-spacing:.08em;font-weight:800;color:#236e85;}
.em-heat__pricecards strong{font-size:clamp(22px,3vw,29px);font-weight:800;color:#145f82;letter-spacing:-.03em;}
.em-heat__pricecards small{font-size:12px;line-height:1.5;color:var(--em-muted);}
.em-heat__steps{display:grid;grid-template-columns:1fr;gap:11px;margin:24px 0;}
.em-heat__steps>div{border:1px solid var(--em-line);border-radius:12px;padding:16px;display:grid;grid-template-columns:35px 1fr;column-gap:10px;}
.em-heat__steps b{grid-row:span 2;color:var(--em-teal);font-size:20px;line-height:1.2;}
.em-heat__steps strong{font-size:15px;}
.em-heat__steps span{font-size:13px;line-height:1.5;color:var(--em-muted);margin-top:4px;}
.em-heat__checklist{counter-reset:check;list-style:none;padding-left:0!important;display:grid;gap:11px;}
.em-heat__checklist li{padding:15px 17px 15px 54px!important;border-radius:12px;border:1px solid var(--em-line);position:relative;background:#fff;margin:0;}
.em-heat__checklist li:before{counter-increment:check;content:counter(check);position:absolute;left:14px;top:15px;display:grid;place-items:center;width:27px;height:27px;background:#e4f3f6;color:#167885;border-radius:100%;font-weight:800;font-size:13px;}
.em-heat__faq{border-top:1px solid var(--em-line);margin-top:22px;}
.em-heat__faq details{border-bottom:1px solid var(--em-line);padding:0;}
.em-heat__faq summary{display:block;list-style:none;cursor:pointer;padding:18px 32px 18px 1px;position:relative;font-size:16px;font-weight:740;color:#204660;line-height:1.42;}
.em-heat__faq summary::-webkit-details-marker{display:none;}
.em-heat__faq summary:after{content:'+';font-size:24px;position:absolute;right:4px;top:11px;font-weight:500;color:#25778a;}
.em-heat__faq details[open] summary:after{content:'−';}
.em-heat__faq details>p{font-size:15px;line-height:1.7;color:#40566a;margin:0 0 17px;}
.em-heat__summary{border-radius:20px;padding:clamp(22px,4vw,36px);background:linear-gradient(130deg,#eaf7f6,#ecf5fc);border:1px solid #c5e3e3;margin:0 0 48px;}
.em-heat__summary h2{margin-bottom:16px;}
.em-heat__summary p:last-child{margin-bottom:0;}
.em-heat__related{border:1px solid var(--em-line);border-radius:18px;padding:24px;margin:0 0 50px;}
.em-heat__related h2{font-size:26px;}
.em-heat__related>div{display:grid;grid-template-columns:1fr;gap:10px;}
.em-heat__related a{display:block;border:1px solid #e0ebf2;border-radius:11px;padding:13px 15px;text-decoration:none;background:#f8fbfe;font-size:14px;font-weight:700;line-height:1.4;}
.em-heat__related a span{display:block;color:var(--em-muted);font-weight:450;font-size:12px;margin-top:5px;}
.em-heat__sources li{font-size:14px;line-height:1.56;margin-bottom:8px;}
.em-heat__source-date{font-size:12px;color:var(--em-muted);margin-top:20px!important;}
.em-heat__cta{background:linear-gradient(130deg,#113751,#164d64);color:#fff;border-radius:20px;padding:clamp(22px,4.5vw,45px);margin:30px 0 0;}
.em-heat__cta h2,.em-heat__cta strong{color:#fff;}
.em-heat__cta>p:first-child{color:#93dfdd;font-weight:800;text-transform:uppercase;letter-spacing:.07em;font-size:12px;}
.em-heat__cta h2{margin-bottom:17px;}
.em-heat__cta>div{display:flex;flex-wrap:wrap;gap:11px;margin:24px 0 17px;}
.em-heat__cta .em-heat__btn{display:inline-flex;justify-content:center;align-items:center;min-height:49px;padding:11px 19px;background:#fff;border:1px solid #fff;color:#15445e;font-weight:780;font-size:14px;border-radius:10px;text-decoration:none;}
.em-heat__cta .em-heat__btn:hover{background:#e5f7f7;color:#173c55;}
.em-heat__cta .em-heat__btn--line{background:transparent;color:#fff;border-color:rgba(255,255,255,.6);}
.em-heat__cta .em-heat__btn--line:hover{background:rgba(255,255,255,.12);color:#fff;}
.em-heat__cta small{display:block;color:#c6d8e4;font-size:12px;line-height:1.65;}
@media(min-width:600px){.em-heat__hero-stats{grid-template-columns:repeat(4,minmax(0,1fr));}.em-heat__toc-grid{grid-template-columns:repeat(2,minmax(0,1fr));}.em-heat__diagram-branches,.em-heat__cols{grid-template-columns:repeat(2,minmax(0,1fr));}.em-heat__pricecards{grid-template-columns:repeat(3,minmax(0,1fr));}.em-heat__related>div{grid-template-columns:repeat(2,minmax(0,1fr));}.em-heat__steps{grid-template-columns:repeat(2,minmax(0,1fr));}.em-heat__plusminus{grid-template-columns:repeat(2,minmax(0,1fr));}}
@media(min-width:820px){.em-heat__flow{flex-direction:row;align-items:center;}.em-heat__flow>i{transform:none;}.em-heat__toc-grid{grid-template-columns:repeat(3,minmax(0,1fr));}.em-heat__diagram{padding:27px;}.em-heat__diagram-branch{padding:25px;}.em-heat__steps{grid-template-columns:repeat(5,minmax(0,1fr));}.em-heat__steps>div{grid-template-columns:1fr;}.em-heat__steps b{grid-row:auto;}}
@media(max-width:480px){.em-heat{font-size:15px;line-height:1.65;}.em-heat__hero{border-radius:15px;padding:20px 15px;}.em-heat__hero-stats{gap:7px;}.em-heat__hero-stats div{padding:12px 10px;min-height:88px;}.em-heat__hero-stats b{font-size:22px;}.em-heat__tags{gap:6px;}.em-heat__tags span{font-size:11px;padding:3px 8px;}.em-heat__toc{padding:15px;}.em-heat__panel,.em-heat__related{padding:17px;}.em-heat__option-head,.em-heat__option-body{padding:17px;}.em-heat__diagram{padding:10px;}.em-heat__diagram-top,.em-heat__diagram-bottom,.em-heat__diagram-branch{padding:14px 10px;}.em-heat__note,.em-heat__warning{padding:15px;}.em-heat__cta .em-heat__btn{width:100%;}}
@media(prefers-reduced-motion:reduce){.em-heat *{scroll-behavior:auto!important;transition:none!important;}}

.em-heat__swipe-hint{display:none;font-size:12px;color:#4b667a;letter-spacing:.01em;font-weight:650;margin:5px 0 -13px!important;} .em-heat__swipe-hint span{font-size:18px;vertical-align:middle;color:#167787;margin-left:6px;} @media(max-width:650px){.em-heat__swipe-hint{display:block;}}/* End custom CSS */