:root{--zpf8-primary:#1c7d88;--zpf8-accent:#9d801f;--zpf8-bg:#f6fafb;--zpf8-surface:#ffffff;--zpf8-text:#0f172a;--zpf8-muted:#475569;--zpf8-border:rgba(15,23,42,.12);--zpf8-glass:rgba(255,255,255,.72);--zpf8-shadow:0 14px 40px rgba(2,6,23,.10);--zpf8-radius:16px;--zpf8-radius-sm:12px;--zpf8-max:1160px;--zpf8-focus:0 0 0 3px rgba(28,125,136,.22);--zpf8-anim:220ms;--zpf8-font-body:"Inter",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;--zpf8-font-head:"Kanit",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif}
*{box-sizing:border-box}
html,body{height:100%}
body.zpf8-body{margin:0;background:radial-gradient(900px 400px at 10% -10%,rgba(28,125,136,.12),transparent 60%),radial-gradient(800px 500px at 110% 10%,rgba(157,128,31,.14),transparent 55%),var(--zpf8-bg);color:var(--zpf8-text);font-family:var(--zpf8-font-body);font-size:15px;line-height:1.6;overflow-x:hidden}
a{color:inherit;text-decoration:none}
a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:none;box-shadow:var(--zpf8-focus);border-radius:12px}
img{max-width:100%;height:auto;display:block}
.zpf8-sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap}
.zpf8-skip{position:absolute;left:10px;top:10px;z-index:10;background:var(--zpf8-surface);border:1px solid var(--zpf8-border);padding:10px 12px;border-radius:12px;transform:translateY(-160%);transition:transform var(--zpf8-anim) ease;color:var(--zpf8-text);font-size:12px}
.zpf8-skip:focus{transform:translateY(0)}

.zpf8-header{background:linear-gradient(180deg,rgba(255,255,255,.86),rgba(255,255,255,.70));backdrop-filter:saturate(140%) blur(10px);border-bottom:1px solid var(--zpf8-border)}
.zpf8-topbar{max-width:var(--zpf8-max);margin:0 auto;padding:12px 14px;display:grid;grid-template-columns:1fr;gap:10px}
.zpf8-brand{display:flex;align-items:baseline;justify-content:space-between;gap:12px;flex-wrap:wrap}
.zpf8-logo{font-family:var(--zpf8-font-head);letter-spacing:.08em;text-transform:uppercase;font-weight:800;font-size:18px;line-height:1.1;color:var(--zpf8-text)}
.zpf8-slogan{color:var(--zpf8-muted);font-size:12px;min-width:220px;flex:1;text-align:right}
.zpf8-toptools{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}
.zpf8-tool{border:1px solid var(--zpf8-border);border-radius:var(--zpf8-radius-sm);padding:10px 10px;background:rgba(255,255,255,.62);box-shadow:0 8px 24px rgba(2,6,23,.06)}
.zpf8-toolk{font-size:12px;color:var(--zpf8-muted);text-transform:uppercase;letter-spacing:.09em;font-weight:700;font-family:var(--zpf8-font-head)}
.zpf8-toolv{margin-top:2px;font-size:14px;font-weight:700;display:flex;align-items:center;gap:8px}
.zpf8-dot{width:10px;height:10px;border-radius:999px;background:var(--zpf8-primary);box-shadow:0 0 0 0 rgba(28,125,136,.38);animation:zpf8-pulse 1.6s ease-in-out infinite}
@keyframes zpf8-pulse{0%,100%{box-shadow:0 0 0 0 rgba(28,125,136,.34)}50%{box-shadow:0 0 0 10px rgba(28,125,136,0)}}

.zpf8-nav{border-top:1px solid rgba(15,23,42,.06)}
.zpf8-navwrap{max-width:var(--zpf8-max);margin:0 auto;padding:10px 14px;display:grid;grid-template-columns:1fr;gap:10px}
.zpf8-navlist{display:flex;flex-wrap:wrap;gap:8px;align-items:center}
.zpf8-navitem{display:inline-flex}
.zpf8-navlink{display:inline-flex;align-items:center;gap:8px;padding:10px 12px;border-radius:999px;border:1px solid var(--zpf8-border);background:rgba(255,255,255,.58);font-size:13px;font-weight:700}
.zpf8-navlink:hover{border-color:rgba(28,125,136,.35)}
.zpf8-search{display:flex;gap:8px;align-items:center}
.zpf8-searchin{width:100%;min-width:0;padding:11px 12px;border-radius:999px;border:1px solid var(--zpf8-border);background:rgba(255,255,255,.72);font-size:15px}
.zpf8-searchbtn{padding:11px 14px;border-radius:999px;border:1px solid rgba(28,125,136,.35);background:linear-gradient(180deg,rgba(28,125,136,.10),rgba(28,125,136,.06));color:var(--zpf8-text);font-weight:800;font-size:13px;font-family:var(--zpf8-font-head);letter-spacing:.08em;text-transform:uppercase;cursor:pointer;white-space:nowrap}

.zpf8-ticker{border-bottom:1px solid var(--zpf8-border)}
.zpf8-tickerframe{max-width:var(--zpf8-max);margin:0 auto;padding:10px 14px;display:grid;grid-template-columns:auto 1fr;gap:10px;align-items:center}
.zpf8-tickerhead{font-family:var(--zpf8-font-head);text-transform:uppercase;letter-spacing:.1em;font-weight:800;font-size:12px;color:var(--zpf8-primary);padding:8px 10px;border:1px solid rgba(28,125,136,.25);border-radius:999px;background:rgba(28,125,136,.06)}
.zpf8-tickerslot{overflow:hidden;border-radius:999px;border:1px solid var(--zpf8-border);background:rgba(255,255,255,.62)}
.zpf8-tickermove{display:flex;width:max-content;gap:18px;animation:zpf8-marquee 18s linear infinite}
.zpf8-tickerrow{display:flex;gap:14px;align-items:center;padding:8px 10px}
@keyframes zpf8-marquee{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}
.zpf8-titem{display:inline-flex;align-items:center;gap:10px;padding:8px 10px;border-radius:999px;border:1px solid rgba(15,23,42,.08);background:rgba(255,255,255,.72);font-size:13px;font-weight:700;white-space:nowrap}
.zpf8-titem:hover{border-color:rgba(157,128,31,.34)}

.zpf8-main{max-width:var(--zpf8-max);margin:0 auto;padding:14px;display:flex;flex-direction:column;gap:18px}
.zpf8-glass{background:var(--zpf8-glass);border:1px solid var(--zpf8-border);border-radius:var(--zpf8-radius);box-shadow:0 12px 34px rgba(2,6,23,.07)}

.zpf8-sechead{display:flex;flex-direction:column;gap:6px}
.zpf8-h1,.zpf8-h2{font-family:var(--zpf8-font-head);letter-spacing:.08em;text-transform:uppercase;margin:0}
.zpf8-h1{font-size:22px;line-height:1.2}
.zpf8-h2{font-size:18px;line-height:1.25}
.zpf8-sub{margin:0;color:var(--zpf8-muted);font-size:15px}
.zpf8-lead{margin:10px 0 0;color:var(--zpf8-muted);font-size:15px}

.zpf8-hero{padding-top:2px}
.zpf8-herogrid{display:grid;grid-template-columns:1fr;gap:12px;align-items:start}
.zpf8-herotext{padding:4px 0}
.zpf8-chipwrap{margin-top:12px}
.zpf8-chips{display:flex;gap:8px;flex-wrap:wrap}
.zpf8-chip{border-radius:999px;border:1px solid var(--zpf8-border);background:rgba(255,255,255,.70);padding:10px 12px;font-size:13px;font-weight:800;font-family:var(--zpf8-font-head);letter-spacing:.08em;text-transform:uppercase;cursor:pointer}
.zpf8-chip[aria-pressed="true"],.zpf8-chip:hover{border-color:rgba(28,125,136,.40);background:rgba(28,125,136,.06)}
.zpf8-note{margin-top:12px;border-left:4px solid rgba(157,128,31,.55);padding:12px 12px;border-radius:14px;background:rgba(255,255,255,.62);border:1px solid rgba(15,23,42,.10)}
.zpf8-notea{display:inline-block;font-size:13px;font-family:var(--zpf8-font-head);letter-spacing:.08em;text-transform:uppercase}
.zpf8-noteb{display:inline-block;margin-left:8px;color:var(--zpf8-muted);font-size:15px}
.zpf8-heromedia{margin:0}
.zpf8-herocard{padding:10px;overflow:hidden}
.zpf8-figcap{margin-top:10px;color:var(--zpf8-muted);font-size:13px}

.zpf8-mrow{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.zpf8-mcard{padding:12px}
.zpf8-mk{font-size:12px;color:var(--zpf8-muted);text-transform:uppercase;letter-spacing:.1em;font-family:var(--zpf8-font-head);font-weight:800}
.zpf8-mv{margin-top:4px;font-size:20px;font-family:var(--zpf8-font-head);font-weight:800;letter-spacing:.06em}
.zpf8-mm{margin-top:4px;color:var(--zpf8-muted);font-size:13px}

.zpf8-tabs{padding-top:2px}
.zpf8-tabui{margin-top:10px}
.zpf8-tablist{display:flex;flex-wrap:wrap;gap:8px}
.zpf8-tab{border-radius:999px;border:1px solid var(--zpf8-border);background:rgba(255,255,255,.70);padding:10px 12px;font-size:13px;font-weight:900;font-family:var(--zpf8-font-head);letter-spacing:.09em;text-transform:uppercase;cursor:pointer}
.zpf8-tab[aria-selected="true"]{border-color:rgba(28,125,136,.45);background:linear-gradient(180deg,rgba(28,125,136,.12),rgba(28,125,136,.06))}
.zpf8-panels{margin-top:10px}
.zpf8-panel{padding:0}
.zpf8-cardhead{margin:0 0 10px;color:var(--zpf8-muted);font-size:15px}

.zpf8-masonry{columns:1;column-gap:10px}
.zpf8-card{display:block;break-inside:avoid;margin:0 0 10px;border-radius:var(--zpf8-radius);overflow:hidden;border:1px solid var(--zpf8-border);background:rgba(255,255,255,.72);box-shadow:0 10px 28px rgba(2,6,23,.08);transition:transform var(--zpf8-anim) ease,border-color var(--zpf8-anim) ease}
.zpf8-card:hover{transform:translateY(-2px);border-color:rgba(157,128,31,.34)}
.zpf8-cardimg{width:100%;aspect-ratio:16/10;object-fit:cover}
.zpf8-cardbody{padding:10px 10px 12px}
.zpf8-cardtitle{margin:0;font-family:var(--zpf8-font-head);text-transform:uppercase;letter-spacing:.08em;font-weight:800;font-size:14px;line-height:1.25}
.zpf8-cardsub{margin-top:6px;color:var(--zpf8-muted);font-size:13px}
.zpf8-cardmeta{margin-top:10px;display:flex;flex-wrap:wrap;gap:8px;align-items:center}
.zpf8-badge{display:inline-flex;align-items:center;padding:7px 10px;border-radius:999px;border:1px solid rgba(28,125,136,.25);background:rgba(28,125,136,.06);font-size:12px;font-weight:900;font-family:var(--zpf8-font-head);letter-spacing:.1em;text-transform:uppercase}

.zpf8-providers,.zpf8-guidegrid{padding-top:4px}
.zpf8-pgrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.zpf8-pcard{padding:12px;font-size:14px;font-weight:900;font-family:var(--zpf8-font-head);letter-spacing:.06em;text-transform:uppercase;display:flex;justify-content:space-between;gap:10px;align-items:center}
.zpf8-ptag{font-family:var(--zpf8-font-body);text-transform:none;letter-spacing:0;font-weight:700;color:var(--zpf8-muted);font-size:13px}
.zpf8-guidegrid{display:grid;grid-template-columns:1fr;gap:10px}
.zpf8-gcard{padding:12px;font-size:15px;font-weight:800}
.zpf8-infonote{margin-top:10px;color:var(--zpf8-muted);font-size:13px}

.zpf8-bgrid{display:grid;grid-template-columns:1fr;gap:10px}
.zpf8-bcard{padding:12px}
.zpf8-bh{font-family:var(--zpf8-font-head);letter-spacing:.08em;text-transform:uppercase;font-weight:800;font-size:14px}
.zpf8-bp{margin-top:6px;color:var(--zpf8-muted);font-size:15px}

.zpf8-ctable{padding:10px;overflow:hidden}
.zpf8-ctrow{display:grid;grid-template-columns:1.2fr .9fr .9fr .9fr;gap:8px;align-items:center;padding:10px;border-radius:14px}
.zpf8-cthead{background:rgba(15,23,42,.04);border:1px solid rgba(15,23,42,.06)}
.zpf8-ctc{font-size:13px;color:var(--zpf8-text)}
.zpf8-cthead .zpf8-ctc{font-family:var(--zpf8-font-head);text-transform:uppercase;letter-spacing:.08em;font-weight:900;font-size:12px;color:var(--zpf8-muted)}
.zpf8-pill{display:inline-flex;align-items:center;justify-content:center;padding:7px 10px;border-radius:999px;border:1px solid rgba(15,23,42,.10);background:rgba(255,255,255,.65);font-size:12px;font-weight:900;font-family:var(--zpf8-font-head);letter-spacing:.1em;text-transform:uppercase;white-space:nowrap}
.zpf8-ok{border-color:rgba(157,128,31,.38);background:rgba(157,128,31,.10)}

.zpf8-paywrap{padding:12px}
.zpf8-paygrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.zpf8-payitem{padding:12px;border-radius:14px;border:1px solid rgba(15,23,42,.10);background:rgba(255,255,255,.68);font-size:14px;font-weight:800}

.zpf8-steplist{margin:0;padding:0;list-style:none;display:grid;grid-template-columns:1fr;gap:10px}
.zpf8-step{padding:12px;display:grid;grid-template-columns:auto 1fr;gap:12px;align-items:start}
.zpf8-stepn{width:36px;height:36px;border-radius:12px;display:grid;place-items:center;background:linear-gradient(180deg,rgba(28,125,136,.16),rgba(28,125,136,.06));border:1px solid rgba(28,125,136,.28);font-family:var(--zpf8-font-head);font-weight:900;letter-spacing:.06em}
.zpf8-steph{display:block;font-size:14px;font-family:var(--zpf8-font-head);letter-spacing:.08em;text-transform:uppercase}
.zpf8-stepp{display:block;margin-top:4px;color:var(--zpf8-muted);font-size:15px}

.zpf8-articlewrap{padding:14px;border-radius:var(--zpf8-radius);background:rgba(255,255,255,.72);border:1px solid var(--zpf8-border);box-shadow:0 12px 34px rgba(2,6,23,.07)}
.zpf8-articlewrap h2{font-family:var(--zpf8-font-head);letter-spacing:.08em;text-transform:uppercase;font-size:18px;margin:18px 0 8px}
.zpf8-articlewrap h3{font-family:var(--zpf8-font-head);letter-spacing:.06em;text-transform:uppercase;font-size:16px;margin:16px 0 8px}
.zpf8-articlewrap p{margin:10px 0;font-size:15px;color:var(--zpf8-text)}
.zpf8-articlewrap ul,.zpf8-articlewrap ol{margin:10px 0 10px 18px;padding:0;font-size:15px}
.zpf8-articlewrap li{margin:6px 0}
.zpf8-articlewrap table{width:100%;border-collapse:separate;border-spacing:0;overflow:hidden;border-radius:14px;border:1px solid rgba(15,23,42,.10);font-size:13px;display:block;max-width:100%;overflow-x:auto}
.zpf8-articlewrap th,.zpf8-articlewrap td{padding:10px 10px;border-bottom:1px solid rgba(15,23,42,.08);vertical-align:top}
.zpf8-articlewrap th{position:sticky;left:0;background:rgba(15,23,42,.04);font-family:var(--zpf8-font-head);text-transform:uppercase;letter-spacing:.08em;font-size:12px;color:var(--zpf8-muted)}
.zpf8-articlewrap tr:last-child td{border-bottom:0}
.zpf8-articlewrap blockquote{margin:12px 0;padding:12px 12px;border-left:4px solid rgba(28,125,136,.45);background:rgba(28,125,136,.06);border-radius:14px;color:var(--zpf8-text);font-size:15px}
.zpf8-articlewrap hr{border:0;border-top:1px solid rgba(15,23,42,.10);margin:16px 0}
.zpf8-articlewrap figure{margin:12px 0;padding:10px;border:1px solid rgba(15,23,42,.10);border-radius:14px;background:rgba(255,255,255,.70)}
.zpf8-articlewrap figcaption{margin-top:8px;color:var(--zpf8-muted);font-size:13px}
.zpf8-articlewrap img{border-radius:12px}

.zpf8-faqwrap{padding:10px}
.zpf8-faqitem{border:1px solid rgba(15,23,42,.10);border-radius:14px;background:rgba(255,255,255,.70);padding:0;margin:10px 0;overflow:hidden}
.zpf8-faqsum{cursor:pointer;padding:12px 12px;font-family:var(--zpf8-font-head);letter-spacing:.06em;text-transform:uppercase;font-weight:900;font-size:13px;list-style:none}
.zpf8-faqsum::-webkit-details-marker{display:none}
.zpf8-faqans{padding:0 12px 12px;color:var(--zpf8-muted);font-size:15px}

.zpf8-rgrid{display:grid;grid-template-columns:1fr;gap:10px}
.zpf8-rlink{padding:12px;font-size:15px;font-weight:800}

.zpf8-crumbs{margin-top:8px}
.zpf8-crumbwrap{display:flex;flex-wrap:wrap;gap:8px;align-items:center}
.zpf8-crumb{display:inline-flex;align-items:center;gap:8px;max-width:100%}
.zpf8-crumb a,.zpf8-crumbspan{display:inline-flex;align-items:center;padding:8px 10px;border-radius:999px;border:1px solid var(--zpf8-border);background:rgba(255,255,255,.66);font-size:13px;font-weight:800;max-width:100%;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.zpf8-crumbsep{color:var(--zpf8-muted);font-size:13px}

.zpf8-pagehead{margin-top:4px}
.zpf8-pagecard{padding:14px}
.zpf8-metabar{margin-top:10px;display:flex;flex-wrap:wrap;gap:8px}
.zpf8-meta{padding:8px 10px;border-radius:999px;border:1px solid rgba(15,23,42,.10);background:rgba(255,255,255,.68);font-size:13px;font-weight:700;color:var(--zpf8-muted)}

.zpf8-pagergrid{display:grid;grid-template-columns:1fr;gap:10px}
.zpf8-pagerlink{padding:12px;border-radius:var(--zpf8-radius);border:1px solid var(--zpf8-border);background:rgba(255,255,255,.72);display:flex;flex-direction:column;gap:4px}
.zpf8-pagerk{font-size:12px;color:var(--zpf8-muted);text-transform:uppercase;letter-spacing:.1em;font-family:var(--zpf8-font-head);font-weight:900}
.zpf8-pagerv{font-size:15px;font-weight:900}

.zpf8-footer{margin-top:10px;border-top:1px solid var(--zpf8-border);background:linear-gradient(180deg,rgba(255,255,255,.70),rgba(255,255,255,.86))}
.zpf8-footgrid{max-width:var(--zpf8-max);margin:0 auto;padding:16px 14px;display:grid;grid-template-columns:1fr;gap:12px}
.zpf8-footp{margin:8px 0 0;color:var(--zpf8-muted);font-size:15px}
.zpf8-footlinks{display:flex;flex-wrap:wrap;gap:10px;align-items:center}
.zpf8-legal{max-width:var(--zpf8-max);margin:0 auto;padding:0 14px 10px;color:var(--zpf8-muted);font-size:12px}
.zpf8-copy{max-width:var(--zpf8-max);margin:0 auto;padding:0 14px 16px;color:var(--zpf8-muted);font-size:12px}

@media (min-width:560px){
  .zpf8-topbar{grid-template-columns:1fr auto;align-items:start}
  .zpf8-slogan{text-align:left;min-width:0}
  .zpf8-toptools{grid-template-columns:repeat(3,minmax(140px,1fr))}
  .zpf8-navwrap{grid-template-columns:1fr 360px;align-items:center}
  .zpf8-herogrid{grid-template-columns:1.05fr .95fr;gap:14px}
  .zpf8-mrow{grid-template-columns:repeat(4,minmax(0,1fr))}
  .zpf8-masonry{columns:2}
  .zpf8-pgrid{grid-template-columns:repeat(3,minmax(0,1fr))}
  .zpf8-guidegrid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .zpf8-bgrid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .zpf8-paygrid{grid-template-columns:repeat(3,minmax(0,1fr))}
  .zpf8-rgrid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .zpf8-pagergrid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (min-width:820px){
  .zpf8-h1{font-size:26px}
  .zpf8-h2{font-size:20px}
  .zpf8-main{padding:18px 14px;gap:20px}
  .zpf8-masonry{columns:3}
  .zpf8-bgrid{grid-template-columns:repeat(4,minmax(0,1fr))}
  .zpf8-rgrid{grid-template-columns:repeat(3,minmax(0,1fr))}
}
@media (prefers-reduced-motion:reduce){
  .zpf8-dot,.zpf8-tickermove{animation:none}
  *{scroll-behavior:auto}
}