@font-face{font-family:Fraunces Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/fraunces-vietnamese-wght-normal.i1kdwugG.woff2) format("woff2-variations");unicode-range:U+0102-0103,U+0110-0111,U+0128-0129,U+0168-0169,U+01A0-01A1,U+01AF-01B0,U+0300-0301,U+0303-0304,U+0308-0309,U+0323,U+0329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Fraunces Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/fraunces-latin-ext-wght-normal.CXnufCaW.woff2) format("woff2-variations");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Fraunces Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/fraunces-latin-wght-normal.CNE4GwkW.woff2) format("woff2-variations");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Inter Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/inter-cyrillic-ext-wght-normal.B2xhLi22.woff2) format("woff2-variations");unicode-range:U+0460-052F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F}@font-face{font-family:Inter Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/inter-cyrillic-wght-normal.CMZtQduZ.woff2) format("woff2-variations");unicode-range:U+0301,U+0400-045F,U+0490-0491,U+04B0-04B1,U+2116}@font-face{font-family:Inter Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/inter-greek-ext-wght-normal.CGAr0uHJ.woff2) format("woff2-variations");unicode-range:U+1F00-1FFF}@font-face{font-family:Inter Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/inter-greek-wght-normal.CaVNZxsx.woff2) format("woff2-variations");unicode-range:U+0370-0377,U+037A-037F,U+0384-038A,U+038C,U+038E-03A1,U+03A3-03FF}@font-face{font-family:Inter Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/inter-vietnamese-wght-normal.CBcvBZtf.woff2) format("woff2-variations");unicode-range:U+0102-0103,U+0110-0111,U+0128-0129,U+0168-0169,U+01A0-01A1,U+01AF-01B0,U+0300-0301,U+0303-0304,U+0308-0309,U+0323,U+0329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Inter Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/inter-latin-ext-wght-normal.CFHvXkgd.woff2) format("woff2-variations");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Inter Variable;font-style:normal;font-display:swap;font-weight:100 900;src:url(/_astro/inter-latin-wght-normal.C2S99t-D.woff2) format("woff2-variations");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}:root{--ink: #18202e;--ink-soft: #46506a;--paper: #fbf8f3;--paper-2: #f3ece1;--line: #e2d8c8;--orange: #e8641c;--orange-dark: #b9470b;--orange-soft: #fde9dc;--white: #ffffff;--ok: #1f7a4d;--radius: 14px;--shadow: 0 1px 2px rgba(24, 32, 46, .06), 0 8px 24px rgba(24, 32, 46, .07);--serif: "Fraunces Variable", Georgia, serif;--sans: "Inter Variable", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;--wrap: 1120px;--read: 720px}*,*:before,*:after{box-sizing:border-box}[hidden]{display:none!important}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:1.0625rem;line-height:1.65}img{max-width:100%;height:auto;display:block}a{color:var(--orange-dark);text-underline-offset:3px}a:hover{color:var(--ink)}:focus-visible{outline:3px solid var(--orange);outline-offset:2px;border-radius:4px}h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.15;letter-spacing:-.01em;margin:0 0 .5em;font-variation-settings:"opsz" 72}h1{font-size:clamp(2.1rem,4.6vw,3.4rem)}h2{font-size:clamp(1.6rem,3vw,2.2rem);margin-top:1.6em}h3{font-size:1.3rem;margin-top:1.4em}p{margin:0 0 1em}.wrap{width:min(var(--wrap),100% - 32px);margin-inline:auto}.read{width:min(var(--read),100% - 32px);margin-inline:auto}.section{padding:clamp(48px,7vw,88px) 0}.section--alt{background:var(--paper-2)}.eyebrow{display:inline-block;font-size:.8rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--orange-dark);margin-bottom:12px}.lead{font-size:1.2rem;color:var(--ink-soft)}.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 24px;border-radius:999px;border:2px solid transparent;font:600 1rem/1 var(--sans);text-decoration:none;cursor:pointer;transition:transform .15s ease,background .15s ease}.btn--primary{background:var(--orange);color:var(--white)}.btn--primary:hover{background:var(--orange-dark);color:var(--white);transform:translateY(-1px)}.btn--ghost{background:transparent;color:var(--ink);border-color:var(--ink)}.btn--ghost:hover{background:var(--ink);color:var(--white)}.answer{background:var(--white);border-left:4px solid var(--orange);border-radius:0 var(--radius) var(--radius) 0;padding:18px 22px;box-shadow:var(--shadow);margin:0 0 2em}.answer p:last-child{margin-bottom:0}.prose h2{border-top:1px solid var(--line);padding-top:1.2em}.prose ul{padding-left:1.2em}.prose li{margin-bottom:.4em}.prose blockquote{margin:1.5em 0;padding:4px 0 4px 20px;border-left:3px solid var(--line);color:var(--ink-soft);font-style:italic}.case{background:var(--orange-soft);border-radius:var(--radius);padding:18px 22px;margin:1.5em 0}.case strong:first-child{display:block;margin-bottom:4px}.keypoints{background:var(--ink);color:var(--paper);border-radius:var(--radius);padding:24px 28px;margin:2em 0}.keypoints h2{color:var(--white);border:0;padding:0;margin-top:0}.keypoints li{margin-bottom:.5em}.keypoints a{color:#ffb68a}.legalref{font-size:.92rem;color:var(--ink-soft)}table{width:100%;border-collapse:collapse;margin:1.5em 0;font-size:.97rem}th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}th{font-weight:600;background:var(--paper-2)}.table-scroll{overflow-x:auto}.faq details{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:0 20px;margin-bottom:12px}.faq summary{cursor:pointer;list-style:none;font-weight:600;padding:16px 28px 16px 0;position:relative}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";position:absolute;right:0;top:12px;font:400 1.5rem/1 var(--serif);color:var(--orange)}.faq details[open] summary:after{content:"−"}.faq details>div{padding-bottom:16px;color:var(--ink-soft)}.cta{background:var(--orange);color:var(--white);border-radius:calc(var(--radius) * 1.5);padding:clamp(28px,5vw,48px);display:grid;gap:20px;align-items:center;grid-template-columns:1fr auto}.cta h2{margin:0 0 6px;color:var(--white);border:0;padding:0}.cta p{margin:0;opacity:.92}.cta .btn{background:var(--white);color:var(--orange-dark)}.cta .btn:hover{background:var(--ink);color:var(--white)}@media (max-width: 720px){.cta{grid-template-columns:1fr}}.breadcrumb{font-size:.88rem;color:var(--ink-soft);margin-bottom:18px}.breadcrumb a{color:var(--ink-soft)}.updated{font-size:.88rem;color:var(--ink-soft)}.visually-hidden{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}.hdr[data-astro-cid-3ef6ksr2]{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.hdr__in[data-astro-cid-3ef6ksr2]{display:flex;align-items:center;gap:24px;min-height:76px}.hdr__logo[data-astro-cid-3ef6ksr2] img[data-astro-cid-3ef6ksr2]{width:150px;height:auto}.hdr[data-astro-cid-3ef6ksr2] nav[data-astro-cid-3ef6ksr2]{flex:1}.hdr__nav[data-astro-cid-3ef6ksr2]{display:flex;gap:22px;list-style:none;margin:0;padding:0}.hdr__nav[data-astro-cid-3ef6ksr2] a[data-astro-cid-3ef6ksr2]{color:var(--ink);text-decoration:none;font-weight:500;font-size:.98rem}.hdr__nav[data-astro-cid-3ef6ksr2] a[data-astro-cid-3ef6ksr2]:hover,.hdr__nav[data-astro-cid-3ef6ksr2] a[data-astro-cid-3ef6ksr2][aria-current=page]{color:var(--orange-dark)}.hdr__actions[data-astro-cid-3ef6ksr2]{display:flex;align-items:center;gap:16px}.hdr__tel[data-astro-cid-3ef6ksr2]{color:var(--ink);font-weight:600;text-decoration:none;white-space:nowrap}.hdr__cta[data-astro-cid-3ef6ksr2]{padding:10px 20px}@media (max-width: 900px){.hdr[data-astro-cid-3ef6ksr2]{position:static}.hdr__in[data-astro-cid-3ef6ksr2]{flex-wrap:wrap;gap:8px 16px;padding:10px 0}.hdr__logo[data-astro-cid-3ef6ksr2] img[data-astro-cid-3ef6ksr2]{width:120px}.hdr[data-astro-cid-3ef6ksr2] nav[data-astro-cid-3ef6ksr2]{order:3;flex-basis:100%;overflow-x:auto}.hdr__nav[data-astro-cid-3ef6ksr2]{gap:18px;padding-bottom:6px;white-space:nowrap}.hdr__actions[data-astro-cid-3ef6ksr2]{margin-left:auto}}@media (max-width: 420px){.hdr__tel[data-astro-cid-3ef6ksr2]{display:none}}.ftr[data-astro-cid-sz7xmlte]{background:var(--ink);color:#d4d8e2;padding:56px 0 24px;font-size:.95rem}.ftr[data-astro-cid-sz7xmlte] a[data-astro-cid-sz7xmlte]{color:#ffb68a}.ftr__grid[data-astro-cid-sz7xmlte]{display:grid;gap:32px;grid-template-columns:1.4fr 1fr 1fr}.ftr__brand[data-astro-cid-sz7xmlte]{font:600 1.4rem/1.2 var(--serif);color:var(--white);margin-bottom:8px}.ftr__h[data-astro-cid-sz7xmlte]{font-weight:600;color:var(--white);margin-bottom:8px}.ftr[data-astro-cid-sz7xmlte] ul[data-astro-cid-sz7xmlte]{list-style:none;margin:0;padding:0}.ftr[data-astro-cid-sz7xmlte] li[data-astro-cid-sz7xmlte]{margin-bottom:6px}.ftr[data-astro-cid-sz7xmlte] address[data-astro-cid-sz7xmlte]{font-style:normal}.ftr__allianz[data-astro-cid-sz7xmlte]{background:var(--white);padding:6px 8px;border-radius:6px;margin-top:8px}.ftr__legal[data-astro-cid-sz7xmlte]{border-top:1px solid #2f3a50;margin-top:36px;padding-top:18px;font-size:.85rem;color:#9aa3b5}@media (max-width: 760px){.ftr__grid[data-astro-cid-sz7xmlte]{grid-template-columns:1fr}}