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20px}.tm-expert-stat-val{font-family:var(--font-display);color:var(--grv-yellow,#ffcd07);font-size:24px;font-weight:800}.tm-expert-stat-key{color:#fff9;margin-top:4px;font-size:12.5px;line-height:1.35}.tm-expert-cols{grid-template-columns:1.25fr 1fr;gap:28px;margin-top:30px;display:grid}.tm-expert-block-title{letter-spacing:.18em;text-transform:uppercase;color:#ffffff80;margin:0 0 14px;font-size:11px;font-weight:700}.tm-expert-list{flex-direction:column;gap:10px;display:flex}.tm-expert-pub{background:#ffffff0a;border:1px solid #ffffff14;border-radius:16px;flex-direction:column;gap:5px;padding:16px 18px;text-decoration:none;transition:border-color .2s,background .2s,transform .2s;display:flex}.tm-expert-pub:hover{background:#685ae91f;border-color:#8c7eff66;transform:translateY(-1px)}.tm-expert-pub-title{color:#fff;font-size:14.5px;font-weight:600;line-height:1.35}.tm-expert-pub-meta{color:#b8afffcc;font-size:12px}.tm-expert-note{background:#ffcd070d;border:1px dashed #ffcd0740;border-radius:16px;flex-direction:column;gap:6px;padding:14px 16px;display:flex}.tm-expert-note-text{color:#ffffffd1;font-size:13.5px;line-height:1.45}.tm-expert-note-date{color:#ffffff6b;font-size:11.5px}.tm-expert-actions{gap:12px;margin-top:30px;display:flex}.tm-expert-btn{text-align:center;color:#fff;background:#ffffff0f;border:1px solid #ffffff24;border-radius:16px;flex:1;padding:15px 22px;font-size:15px;font-weight:700;text-decoration:none;transition:background .2s,border-color .2s,transform .15s}.tm-expert-btn:hover{background:#ffffff1f;transform:translateY(-1px)}.tm-expert-btn--primary{background:var(--grv-yellow,#ffcd07);border-color:var(--grv-yellow,#ffcd07);color:#171b30}.tm-expert-btn--primary:hover{background:#ffd83e}@media (max-width:720px){.tm-expert-modal{padding:28px 22px}.tm-expert-head{flex-direction:column;align-items:flex-start;gap:16px}.tm-expert-stats,.tm-expert-cols{grid-template-columns:1fr}.tm-expert-actions{flex-direction:column}}html[data-theme=light] .tm-expert-overlay{background:#171b3066}html[data-theme=light] .tm-expert-modal{background:radial-gradient(90% 60% at 100% 0,#685ae91a,#0000 60%),linear-gradient(#fff 0%,#f4f5fb 100%);border-color:#171b301a}html[data-theme=light] .tm-expert-close{color:#171b30;background:#171b300d;border-color:#171b3024}html[data-theme=light] .tm-expert-name{color:#171b30}html[data-theme=light] .tm-expert-eyebrow{color:#5346d6}html[data-theme=light] .tm-expert-role{color:#171b309e}html[data-theme=light] .tm-expert-dot{box-shadow:0 0 0 3px #fff}html[data-theme=light] .tm-expert-stat,html[data-theme=light] .tm-expert-pub{background:#fff;border-color:#171b301a}html[data-theme=light] .tm-expert-stat-val{color:#c79a00}html[data-theme=light] .tm-expert-stat-key{color:#171b3099}html[data-theme=light] .tm-expert-block-title{color:#171b3080}html[data-theme=light] .tm-expert-pub-title{color:#171b30}html[data-theme=light] .tm-expert-pub-meta{color:#5346d6}html[data-theme=light] .tm-expert-pub:hover{background:#685ae914}html[data-theme=light] .tm-expert-note{background:#ffb80012;border-color:#c79a0059}html[data-theme=light] .tm-expert-note-text{color:#171b30d1}html[data-theme=light] .tm-expert-note-date{color:#171b3073}html[data-theme=light] .tm-expert-btn{color:#171b30;background:#171b300a;border-color:#171b3029}html[data-theme=light] .tm-expert-btn--primary{background:var(--grv-yellow,#ffcd07);border-color:var(--grv-yellow,#ffcd07)}html[data-theme=light] .tm-check-expert img{border-color:#171b301a}html[data-theme=light] .tm-check-expert figcaption span{color:#171b309e}
html[data-theme=dark]{--tm-ink:#fff;--tm-body:#dcdae5;--tm-muted:#ffffffa8;--tm-faint:#ffffff80;--tm-canvas:#100c22;--tm-paper:#171335;--tm-line:#ffffff1a;--tm-line-soft:#ffffff0f;--tm-purple-tint:#685ae92e;--tm-purple-tint2:#b8afff4d;--tm-purple-line:#685ae966;--tm-danger-tint:#ff6e6424;--tm-danger-line:#ff6e6459;--tm-danger:#ff8a7e;--tm-good-tint:#48c87824;--tm-good:#6bd89c;--tm-shadow-sm:0 6px 18px #00000059;--tm-shadow-md:0 24px 50px -16px #0000008c;--tm-shadow-lg:0 34px 80px -20px #0009}html[data-theme=dark] body{background:var(--grv-ink-1,#0b0816)}html[data-theme=dark] .tm-section,html[data-theme=dark] .tm-hero{background:var(--grv-ink-gradient,linear-gradient(180deg,#0b0816 0%,#12102a 100%))}html[data-theme=dark] .tm-section--soft{background:var(--grv-ink-gradient-soft,#12102a)}html[data-theme=dark] .tm-section--purple-glow{background:radial-gradient(60% 60% at 88% 0%,#685ae933,transparent 65%),var(--grv-ink-gradient,#0b0816)}html[data-theme=dark] .tm-hero{background:radial-gradient(65% 60% at 85% 10%,#685ae938,#0000 60%),linear-gradient(#0b0816 0%,#12102a 100%)}html[data-theme=dark] .tm-hero-g{opacity:.05;filter:grayscale()brightness(2.5)}html[data-theme=dark] .tm-hero-badge,html[data-theme=dark] .tm-eyebrow{color:#c9c2ff}html[data-theme=dark] .tm-hero-chip{color:#fff;background:#ffffff0d;border-color:#ffffff1f}html[data-theme=dark] .tm-hero-chip--act{color:#fff}html[data-theme=dark] .tm-tip{background:#0d0a1f}html[data-theme=dark] .tm-section .btn-ghost{color:#fff;border-color:#ffffff3d}html[data-theme=dark] .tm-section .btn-ghost:hover{border-color:var(--grv-yellow);color:var(--grv-yellow)}html[data-theme=dark] .tm-risk-card,html[data-theme=dark] .tm-benefit-card,html[data-theme=dark] .tm-law-card,html[data-theme=dark] .tm-specialist-card,html[data-theme=dark] .tm-rep-card,html[data-theme=dark] .tm-tariff,html[data-theme=dark] .tm-faq-item,html[data-theme=dark] .tm-check-card,html[data-theme=dark] .tm-live-free-card{background:var(--tm-paper);border-color:var(--tm-line)}html[data-theme=dark] .tm-check-body{background:var(--tm-paper)}html[data-theme=dark] .tm-check-option{background:#ffffff0a}html[data-theme=dark] .tm-check-radio{background:0 0;border-color:#ffffff59}html[data-theme=dark] .tm-check-progress-label{color:#fffc}html[data-theme=dark] .tm-law-exception{border-color:var(--tm-purple-line);background:linear-gradient(135deg,#685ae93d 0%,#685ae914 100%)}html[data-theme=dark] .tm-why-plate{background:linear-gradient(160deg,#685ae9 0%,#4b3be1 100%)}html[data-theme=dark] .tm-why-plate-sep{background:#ffffff24}html[data-theme=dark] .tm-process-rail:before{background:linear-gradient(#ffffff0f 0%,#685ae980 50%,#ffffff0f 100%)}html[data-theme=dark] .tm-process-node{background:var(--tm-paper);box-shadow:0 0 0 6px var(--grv-ink-1,#0b0816)}html[data-theme=dark] .tm-rep-rating,html[data-theme=dark] .tm-video-title,html[data-theme=dark] .tm-tariff-title,html[data-theme=dark] .tm-leader-attr-name,html[data-theme=dark] .tm-faq-q{color:#fff}html[data-theme=dark] .tm-rep-review{background:#ffffff0a}html[data-theme=dark] .tm-rep-stars,html[data-theme=dark] .tm-rep-review-stars{color:var(--grv-yellow)}html[data-theme=dark] .tm-tariff-cta{color:#fff;background:#ffffff0f;border-color:#ffffff24}html[data-theme=dark] .tm-tariff-cta:hover{background:#ffffff1a}html[data-theme=dark] .tm-tariffs-banner,html[data-theme=dark] .tm-hero-float--guarantee,html[data-theme=dark] .tm-lead-submit,html[data-theme=dark] .tm-why-banner-cta{background:var(--grv-yellow);color:#171335}html[data-theme=dark] .tm-live-video-label{background:#0000008c}html[data-theme=dark] .tm-map{background:var(--grv-ink-gradient-soft,#12102a)}html[data-theme=dark] .tm-map-label{color:#fffc;background:#0009;border-color:#ffffff1a}html[data-theme=dark] .tm-map-pin{border-color:var(--grv-ink-1,#0b0816)}html[data-theme=dark] .tm-leader-stat{backdrop-filter:blur(8px);background:#0a081abf}html[data-theme=dark] .tm-leader-stat-val{color:var(--grv-yellow)}html[data-theme=dark] .tm-leader-attr-q{color:var(--grv-purple)}html[data-theme=dark] .tm-faq-toggle{color:#fff;background:#ffffff0f}html[data-theme=dark] .tm-faq-a a{color:var(--grv-yellow)}html[data-theme=dark] .tm-kindness{background:linear-gradient(#0b0816 0%,#17102a 100%)}html[data-theme=dark] .tm-kindness-h .heart{color:#ff6b85}html[data-theme=dark] .tm-lead{background:linear-gradient(160deg,#4b3be1 0%,#685ae9 100%)}html[data-theme=dark] .tm-lead-input{color:#fff;background:#ffffff14}html[data-theme=dark] .tm-lead-input::placeholder{color:#fff6}html[data-theme=dark] .tm-person{background:#ffffff0f;border-color:#ffffff1f}html[data-theme=dark] .tm-person-name{color:#fff}html[data-theme=dark] .tm-person-role{color:#fff9}html[data-theme=dark] .tm-person-dot{border-color:var(--tm-paper)}html[data-theme=dark] .tm-photo-ph{background:#685ae924}html[data-theme=dark] .tm-photo-ph:before,html[data-theme=dark] .tm-photo-ph:after{background:#b8afff2e}html[data-theme=dark] .tm-photo-ph-cap{color:#ffffffa6;background:#0a081abf}html[data-theme=dark] .tm-photo-ph--gold{background:#ffcd071a}html[data-theme=dark] .tm-photo-ph--gold:before,html[data-theme=dark] .tm-photo-ph--gold:after{background:#ffcd0733}html[data-theme=dark] .tm-video-thumb-label{color:#ffffff47}html[data-theme=dark] .tm-video-thumb-play{background:#ffffffeb}
.tmk-grid{grid-template-columns:repeat(var(--tmk-cols,3),minmax(0,1fr));gap:16px;display:grid}@media (max-width:900px){.tmk-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:620px){.tmk-grid{grid-template-columns:1fr}}.tmk-split{align-items:center;gap:clamp(24px,4vw,56px);display:flex}.tmk-split-text{flex:1;min-width:0;max-width:560px}.tmk-split-photo{flex:1;min-width:0;max-width:480px}.tmk-split-photo .tm-photo-ph{aspect-ratio:4/3.4;border-radius:var(--tm-radius-lg)}@media (max-width:860px){.tmk-split{flex-direction:column!important}.tmk-split-text,.tmk-split-photo{width:100%;max-width:none}}.tmk-banner{background:var(--tm-purple);border-radius:var(--tm-radius-lg);color:#fff;flex-wrap:wrap;align-items:center;gap:20px;padding:clamp(22px,3.5vw,32px) clamp(22px,4vw,36px);display:flex}@media (max-width:620px){.tmk-banner{flex-direction:column;align-items:flex-start}}.tmk-crumbs{font-family:var(--font-body);color:var(--tm-faint);flex-wrap:wrap;align-items:center;gap:8px;margin-bottom:14px;font-size:13px;font-weight:600;display:flex}.tmk-crumbs a{color:var(--tm-purple);text-decoration:none}.tmk-crumbs a:hover{text-decoration:underline}
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