:root{--kis-cream:#f6f1e3;--kis-paper:#fbf8ef;--kis-sand:#ece3c8;--kis-rule:#cbbf9f;--kis-forest:#1f4a33;--kis-deep:#132f20;--kis-moss:#3d7352;--kis-leaf:#d7e6d4;--kis-ink:#1c231e;--kis-mute:#5a6157;--kis-gold:#b8913a;--kis-warn:#8a3b22;--kis-col:44rem}*,:before,:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;overflow-x:clip}body.kis-doc{background:var(--kis-cream);color:var(--kis-ink);margin:0;font-family:Verdana,Geneva,DejaVu Sans,sans-serif;font-size:1rem;line-height:1.7;overflow-x:clip}img{max-width:100%;height:auto}a{color:var(--kis-forest)}a:hover{color:var(--kis-moss)}.kis-top{background:var(--kis-forest);color:var(--kis-cream);border-bottom:4px solid var(--kis-gold)}.kis-top__row{flex-wrap:wrap;align-items:center;gap:.6rem 1rem;max-width:72rem;margin:0 auto;padding:.7rem 1rem;display:flex}.kis-brand{color:var(--kis-cream);flex-direction:column;gap:.1rem;margin-right:auto;text-decoration:none;display:flex}.kis-brand__logo{width:150px;height:auto;display:block}.kis-brand__tag{font-variant:small-caps;letter-spacing:.08em;color:var(--kis-sand);font-size:.78rem}.kis-navt{opacity:0;pointer-events:none;position:absolute}.kis-burger{font-variant:small-caps;letter-spacing:.06em;cursor:pointer;border:1px solid var(--kis-moss);border-radius:3px;order:3;align-items:center;gap:.5rem;padding:.35rem .6rem;font-size:.9rem;display:inline-flex}.kis-burger__bar{background:currentColor;width:1rem;height:2px;display:inline-block;box-shadow:0 -5px,0 5px}.kis-navt:focus-visible+.kis-burger{outline:2px solid var(--kis-gold);outline-offset:2px}.kis-nav{border-top:1px solid var(--kis-moss);flex-direction:column;flex-basis:100%;order:6;padding-top:.4rem;display:none}.kis-navt:checked~.kis-nav{display:flex}.kis-nav__a{color:var(--kis-cream);border-bottom:1px dotted var(--kis-moss);padding:.45rem 0;font-size:.95rem;text-decoration:none}.kis-nav__a:hover{color:#fff;text-decoration:underline}.kis-nav__a--on{color:var(--kis-gold);font-weight:700}.kis-lang{order:4;position:relative}.kis-lang__sum{cursor:pointer;letter-spacing:.08em;border:1px solid var(--kis-moss);border-radius:3px;padding:.35rem .55rem;font-size:.85rem;list-style:none}.kis-lang__sum::-webkit-details-marker{display:none}.kis-lang__sum:after{content:" ▾"}.kis-lang__list{z-index:5;background:var(--kis-paper);border:1px solid var(--kis-rule);min-width:10rem;margin:0;padding:.4rem 0;list-style:none;position:absolute;top:calc(100% + .35rem);right:0;box-shadow:0 6px 18px #00000026}.kis-lang__a{color:var(--kis-ink);padding:.35rem .9rem;font-size:.9rem;text-decoration:none;display:block}.kis-lang__a:hover{background:var(--kis-sand)}.kis-lang__a--on{color:var(--kis-forest);font-weight:700}.kis-top__cta{background:var(--kis-cream);color:var(--kis-forest);white-space:nowrap;border-radius:3px;order:5;padding:.4rem .8rem;font-size:.85rem;font-weight:700;text-decoration:none}.kis-top__cta:hover{color:var(--kis-deep);background:#fff}@media (width>=62rem){.kis-burger{display:none}.kis-nav{border:0;flex-direction:row;flex-basis:auto;order:2;gap:1.1rem;padding:0;display:flex}.kis-nav__a{border:0;padding:.2rem 0;font-size:.88rem}}.kis-main{padding:0 1rem 3rem}.kis-art{max-width:var(--kis-col);margin:0 auto}.kis-hero{padding:2.2rem 0 1rem}.kis-crumbs{color:var(--kis-mute);margin:0 0 .8rem;font-size:.8rem}.kis-crumbs__a{color:var(--kis-mute)}.kis-crumbs__sep{margin:0 .4rem}.kis-kicker{font-variant:small-caps;letter-spacing:.07em;color:var(--kis-mute);flex-wrap:wrap;gap:.3rem 1rem;margin:0 0 .6rem;font-size:.85rem;display:flex}.kis-kicker__tag{color:var(--kis-forest);font-weight:700}.kis-h1{color:var(--kis-deep);letter-spacing:-.01em;margin:0 0 1rem;font-size:clamp(1.75rem,5.4vw,2.7rem);line-height:1.18}.kis-hero__fig{margin:1.4rem 0 0}.kis-hero__img{border:1px solid var(--kis-rule);width:100%;display:block}.kis-stats{border-top:1px solid var(--kis-rule);border-left:1px solid var(--kis-rule);grid-template-columns:repeat(2,minmax(0,1fr));margin:1.2rem 0 2rem;display:grid}.kis-stat{background:var(--kis-paper);border-right:1px solid var(--kis-rule);border-bottom:1px solid var(--kis-rule);flex-direction:column;gap:.25rem;padding:1rem .9rem;display:flex}.kis-stat__v{color:var(--kis-forest);word-break:break-word;font-size:clamp(1.25rem,4.6vw,1.75rem);font-weight:700;line-height:1.15}.kis-stat__v--long{overflow-wrap:anywhere;font-size:clamp(1rem,3.4vw,1.2rem)}.kis-stat__l{font-variant:small-caps;letter-spacing:.06em;color:var(--kis-mute);font-size:.8rem}@media (width>=40rem){.kis-stats{grid-template-columns:repeat(3,minmax(0,1fr))}}.kis-toc{background:var(--kis-sand);border-left:6px solid var(--kis-forest);margin:0 0 2rem;padding:1.1rem 1.2rem}.kis-toc__h{font-variant:small-caps;letter-spacing:.08em;color:var(--kis-forest);margin:0 0 .5rem;font-weight:700}.kis-toc__list{margin:0;padding-left:1.6rem;font-size:.92rem}.kis-toc__li{margin:.2rem 0}.kis-toc__li::marker{color:var(--kis-moss);font-weight:700}.kis-toc__a{color:var(--kis-ink);border-bottom:1px solid var(--kis-rule);text-decoration:none}.kis-toc__a:hover{color:var(--kis-forest)}.kis-offer{background:var(--kis-forest);color:var(--kis-cream);margin:0 0 2.2rem;padding:1.4rem 1.3rem;position:relative}.kis-offer__label{font-variant:small-caps;letter-spacing:.08em;color:var(--kis-sand);margin:0 0 .4rem;font-size:.82rem}.kis-offer__head{margin:0 0 .6rem;font-size:clamp(1.3rem,4.4vw,1.8rem);font-weight:700;line-height:1.25}.kis-offer__det{margin:0 0 .6rem}.kis-offer__terms{color:var(--kis-sand);margin:0 0 1rem;font-size:.82rem}.kis-offer .kis-btn{background:var(--kis-cream);color:var(--kis-forest)}.kis-offer .kis-note{color:var(--kis-sand)}.kis-body{counter-reset:kis-sec}.kis-body p,.kis-body li{font-size:1rem}.kis-body>p:first-child{font-size:1.1rem;line-height:1.65}.kis-body h2{counter-increment:kis-sec;color:var(--kis-deep);margin:3.2rem 0 1rem;padding-top:1.6rem;font-size:clamp(1.3rem,4vw,1.65rem);line-height:1.25;position:relative}.kis-body h2:before{content:counter(kis-sec,decimal-leading-zero);color:var(--kis-moss);opacity:.85;letter-spacing:-.03em;margin-bottom:.35rem;font-size:clamp(2.6rem,9vw,3.8rem);line-height:1;display:block}.kis-body h2:after{content:"";border-top:2px solid var(--kis-forest);width:100vw;position:absolute;top:0;left:50%;transform:translate(-50%)}.kis-body--legal h2{counter-increment:none;margin-top:2.2rem;padding-top:1rem}.kis-body--legal h2:before{display:none}.kis-body--legal h2:after{border-top:1px solid var(--kis-rule)}.kis-body h3{color:var(--kis-forest);font-variant:small-caps;letter-spacing:.04em;margin:1.8rem 0 .5rem;font-size:1.1rem}.kis-body ul,.kis-body ol{padding-left:1.4rem}.kis-body li{margin:.3rem 0}.kis-body li::marker{color:var(--kis-moss)}.kis-body strong{color:var(--kis-deep)}.kis-body hr{border:0;border-top:2px solid var(--kis-forest);width:100vw;margin:2.6rem 0;position:relative;left:50%;transform:translate(-50%)}.kis-body blockquote{border-left:8px solid var(--kis-forest);color:var(--kis-deep);margin:2.2rem 0;padding:1rem 0 1rem 1.3rem;font-size:1.2rem;line-height:1.5;position:relative}.kis-body blockquote:before{content:"“";color:var(--kis-leaf);font-family:Georgia,serif;font-size:5rem;line-height:1;position:absolute;top:-1.6rem;right:0}.kis-body blockquote p{font-size:inherit;margin:0}.kis-body img{border:1px solid var(--kis-rule);background:var(--kis-paper);margin:1.6rem auto;display:block}.kis-body table{border-collapse:collapse;background:var(--kis-paper);width:100%;margin:1.6rem 0;font-size:.9rem}@media (width<=40rem){.kis-body table{font-size:.85rem;display:block;overflow-x:auto}.kis-body td,.kis-body thead th{min-width:7.5rem}}.kis-body thead th{font-variant:small-caps;letter-spacing:.05em;text-align:left;background:var(--kis-forest);color:var(--kis-cream);padding:.55rem .7rem}.kis-body td{border-bottom:1px solid var(--kis-rule);vertical-align:top;padding:.55rem .7rem}.kis-body tbody tr:nth-child(2n) td{background:var(--kis-cream)}.kis-body a[rel~=sponsored]{background:var(--kis-forest);color:var(--kis-cream);border-radius:3px;margin:.2rem 0;padding:.6rem 1.1rem;font-weight:700;text-decoration:none;display:inline-block}.kis-body a[rel~=sponsored]:hover{background:var(--kis-deep)}.kis-steps{background:var(--kis-paper);border:1px solid var(--kis-rule);margin:2.6rem 0;padding:1.4rem 1.2rem}.kis-steps__h,.kis-ledger__h,.kis-more__h{font-variant:small-caps;letter-spacing:.08em;color:var(--kis-forest);margin:0 0 .8rem;font-weight:700}.kis-steps__list{counter-reset:kis-step;margin:0;padding:0;list-style:none}.kis-steps__li{counter-increment:kis-step;flex-direction:column;gap:.2rem;padding:0 0 1.1rem 3.2rem;display:flex;position:relative}.kis-steps__li:before{content:counter(kis-step);background:var(--kis-forest);width:2.3rem;height:2.3rem;color:var(--kis-cream);border-radius:50%;justify-content:center;align-items:center;font-weight:700;display:flex;position:absolute;top:0;left:0}.kis-steps__li:not(:last-child):after{content:"";border-left:2px dotted var(--kis-moss);position:absolute;top:2.4rem;bottom:.2rem;left:1.1rem}.kis-steps__t{color:var(--kis-deep);font-weight:700}.kis-steps__x{color:var(--kis-ink);font-size:.95rem}.kis-ledger{gap:1rem;margin:2.4rem 0;display:grid}.kis-ledger__col{background:var(--kis-paper);border-top:5px solid var(--kis-moss);padding:1.1rem 1.1rem .6rem}.kis-ledger__col--down{border-top-color:var(--kis-warn)}.kis-ledger__list{margin:0;padding:0;list-style:none}.kis-ledger__li{margin:0 0 .6rem;padding-left:1.6rem;font-size:.95rem;position:relative}.kis-ledger__col--up .kis-ledger__li:before{content:"+";color:var(--kis-moss);font-weight:700;position:absolute;left:0}.kis-ledger__col--down .kis-ledger__li:before{content:"−";color:var(--kis-warn);font-weight:700;position:absolute;left:0}@media (width>=40rem){.kis-ledger{grid-template-columns:1fr 1fr}}.kis-faq{border-top:2px solid var(--kis-forest);margin:3rem 0 2rem;padding-top:1.4rem}.kis-faq__h{color:var(--kis-deep);margin:0 0 1rem;font-size:clamp(1.3rem,4vw,1.6rem)}.kis-faq__item{border-bottom:1px solid var(--kis-rule)}.kis-faq__q{cursor:pointer;color:var(--kis-deep);padding:.9rem 2rem .9rem 0;font-weight:700;list-style:none;position:relative}.kis-faq__q::-webkit-details-marker{display:none}.kis-faq__q:after{content:"+";color:var(--kis-moss);font-size:1.4rem;position:absolute;top:.7rem;right:.3rem}.kis-faq__item[open] .kis-faq__q:after{content:"−"}.kis-faq__a{color:var(--kis-ink);margin:0 0 1rem}.kis-close{border:2px solid var(--kis-forest);background:var(--kis-paper);text-align:center;margin:2.6rem 0;padding:1.4rem 1.2rem}.kis-close__txt{margin:0 0 .9rem;font-size:1.02rem}.kis-btn{background:var(--kis-forest);color:var(--kis-cream);border-radius:3px;padding:.7rem 1.4rem;font-weight:700;text-decoration:none;display:inline-block}.kis-btn:hover{background:var(--kis-deep);color:#fff}.kis-btn--ghost{color:var(--kis-forest);border:2px solid var(--kis-forest);background:0 0}.kis-btn--ghost:hover{background:var(--kis-forest);color:var(--kis-cream)}.kis-note{color:var(--kis-mute);margin:.6rem 0 0;font-size:.75rem}.kis-more{border-top:1px solid var(--kis-rule);margin:2.4rem 0 0;padding-top:1.2rem}.kis-more__list{flex-wrap:wrap;gap:.5rem;margin:0;padding:0;list-style:none;display:flex}.kis-more__a{border:1px solid var(--kis-rule);background:var(--kis-paper);color:var(--kis-forest);padding:.4rem .8rem;font-size:.9rem;text-decoration:none;display:inline-block}.kis-more__a:hover{border-color:var(--kis-forest)}.kis-foot{background:var(--kis-deep);color:var(--kis-sand);border-top:4px solid var(--kis-gold)}.kis-foot__in{max-width:var(--kis-col);margin:0 auto;padding:2rem 1rem 2.4rem}.kis-foot__mark{font-variant:small-caps;letter-spacing:.1em;color:var(--kis-cream);margin:0 0 .8rem;font-weight:700}.kis-foot__nav{flex-wrap:wrap;gap:.4rem 1.2rem;margin:0 0 1rem;display:flex}.kis-foot__a{color:var(--kis-cream);font-size:.9rem}.kis-foot__a:hover{color:#fff}.kis-foot__txt{margin:0 0 .7rem;font-size:.85rem;line-height:1.6}.kis-foot__age{border:2px solid var(--kis-gold);color:var(--kis-cream);border-radius:3px;margin-right:.3rem;padding:0 .35rem;font-weight:700;display:inline-block}.kis-foot__small{color:var(--kis-rule);margin:1rem 0 0;font-size:.75rem}@media (width>=62rem){.kis-hero{padding-top:3rem}}