:root{--ztm1-bg:#07090c;--ztm1-bg2:#0b0f15;--ztm1-panel:rgba(255,255,255,.06);--ztm1-panel2:rgba(255,255,255,.08);--ztm1-stroke:rgba(255,255,255,.12);--ztm1-stroke2:rgba(21,199,106,.25);--ztm1-text:#e9edf2;--ztm1-muted:rgba(233,237,242,.74);--ztm1-dim:rgba(233,237,242,.58);--ztm1-primary:#52180f;--ztm1-accent:#15c76a;--ztm1-accent2:rgba(21,199,106,.16);--ztm1-warn:#f2b84b;--ztm1-radius:10px;--ztm1-radius2:8px;--ztm1-shadow:0 18px 60px rgba(0,0,0,.55);--ztm1-shadow2:0 10px 30px rgba(0,0,0,.4);--ztm1-glow:0 0 0 1px rgba(21,199,106,.18),0 0 18px rgba(21,199,106,.10);--ztm1-max:1120px}
*{box-sizing:border-box}
html,body{height:100%}
html{background:var(--ztm1-bg);color:var(--ztm1-text);overflow-x:hidden}
body.ztm1-body{margin:0;font-family:"IBM Plex Sans",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;font-size:16px;line-height:1.55;background:radial-gradient(1200px 600px at 15% 10%,rgba(21,199,106,.12),transparent 60%),radial-gradient(900px 500px at 85% 20%,rgba(82,24,15,.25),transparent 55%),linear-gradient(180deg,var(--ztm1-bg),var(--ztm1-bg2));overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none}
button{font:inherit;color:inherit}
.ztm1-wrap{max-width:var(--ztm1-max);margin:0 auto;padding:0 16px}
.ztm1-skip{position:absolute;left:-999px;top:auto;width:1px;height:1px;overflow:hidden}
.ztm1-skip:focus{left:16px;top:16px;width:auto;height:auto;padding:10px 12px;border-radius:8px;background:rgba(0,0,0,.8);outline:2px solid var(--ztm1-accent);z-index:5}
.ztm1-header{position:sticky;top:0;z-index:3;background:rgba(7,9,12,.72);backdrop-filter:saturate(130%) blur(10px);border-bottom:1px solid rgba(255,255,255,.08)}
.ztm1-header__inner{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px}
.ztm1-brand{display:flex;flex-direction:column;gap:2px;min-width:160px}
.ztm1-logo{font-family:"Manrope",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;font-weight:700;letter-spacing:.2px;font-size:18px;line-height:1.2}
.ztm1-tagline{font-size:13px;line-height:1.3;color:var(--ztm1-muted)}
.ztm1-nav{min-width:0}
.ztm1-nav__list{list-style:none;display:flex;gap:8px;margin:0;padding:0;flex-wrap:wrap;justify-content:flex-end}
.ztm1-nav__item{display:flex}
.ztm1-nav__link{display:inline-flex;align-items:center;gap:8px;padding:10px 12px;border-radius:8px;border:1px solid transparent;color:var(--ztm1-muted);transition:background .18s ease,border-color .18s ease,color .18s ease,box-shadow .18s ease}
.ztm1-nav__link:hover{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.10);color:var(--ztm1-text);box-shadow:var(--ztm1-glow)}
.ztm1-ticker{border-bottom:1px solid rgba(255,255,255,.08);background:linear-gradient(90deg,rgba(82,24,15,.35),rgba(255,255,255,.02),rgba(21,199,106,.10))}
.ztm1-ticker__frame{position:relative;overflow:hidden;border-radius:0}
.ztm1-ticker__track{display:flex;align-items:center;gap:18px;padding:10px 0;will-change:transform;animation:ztm1-ticker 26s linear infinite}
.ztm1-ticker__track:hover{animation-play-state:paused}
.ztm1-ticker__item{display:flex;align-items:center;gap:10px;min-width:max-content}
.ztm1-ticker__dot{width:7px;height:7px;border-radius:999px;background:var(--ztm1-accent);box-shadow:0 0 18px rgba(21,199,106,.35)}
.ztm1-ticker__link{font-size:13px;line-height:1.3;color:rgba(233,237,242,.86);padding:6px 10px;border-radius:8px;border:1px solid rgba(255,255,255,.10);background:rgba(0,0,0,.15);transition:box-shadow .18s ease,border-color .18s ease,background .18s ease}
.ztm1-ticker__link:hover{border-color:rgba(21,199,106,.45);background:rgba(21,199,106,.08);box-shadow:var(--ztm1-glow)}
@keyframes ztm1-ticker{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}
.ztm1-main{padding-bottom:28px}
.ztm1-hero{padding:22px 0 12px}
.ztm1-hero__grid{display:grid;grid-template-columns:1fr;gap:16px;align-items:center}
.ztm1-hero__kicker{font-size:13px;line-height:1.35;color:rgba(233,237,242,.78);margin-bottom:10px}
.ztm1-hero__title{font-family:"Manrope",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;font-size:26px;line-height:1.18;margin:0 0 10px;letter-spacing:-.2px}
.ztm1-hero__lead{margin:0 0 14px;color:var(--ztm1-muted);font-size:16px}
.ztm1-hero__ctaRow{display:flex;gap:10px;flex-wrap:wrap}
.ztm1-hero__note{margin-top:10px;color:var(--ztm1-dim);font-size:13px;line-height:1.35}
.ztm1-hero__media{min-width:0}
.ztm1-hero__glass{border-radius:var(--ztm1-radius);overflow:hidden;border:1px solid rgba(255,255,255,.12);background:rgba(255,255,255,.04);box-shadow:var(--ztm1-shadow)}
.ztm1-hero__glass img{width:100%;height:auto}
.ztm1-hero__badges{display:flex;gap:8px;flex-wrap:wrap;margin-top:12px}
.ztm1-chip{display:inline-flex;align-items:center;justify-content:center;padding:8px 10px;border-radius:999px;border:1px solid rgba(255,255,255,.12);background:rgba(255,255,255,.05);color:rgba(233,237,242,.86);font-size:13px;line-height:1.2;min-height:32px;white-space:nowrap}
.ztm1-chip--btn{cursor:pointer}
.ztm1-chip--btn:hover,.ztm1-chip--link:hover{border-color:rgba(21,199,106,.45);box-shadow:var(--ztm1-glow);background:rgba(21,199,106,.08)}
.ztm1-chip--btn:focus-visible,.ztm1-btn:focus-visible,.ztm1-nav__link:focus-visible,.ztm1-card:focus-visible,.ztm1-ticker__link:focus-visible{outline:2px solid var(--ztm1-accent);outline-offset:2px}
.ztm1-chipRow{display:flex;gap:8px;flex-wrap:wrap;max-width:100%}
.ztm1-btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:11px 14px;border-radius:9px;border:1px solid rgba(255,255,255,.12);background:rgba(255,255,255,.06);color:var(--ztm1-text);font-weight:700;font-size:15px;line-height:1.1;transition:transform .14s ease,box-shadow .18s ease,border-color .18s ease,background .18s ease}
.ztm1-btn:hover{transform:translateY(-1px);box-shadow:var(--ztm1-shadow2)}
.ztm1-btn--primary{background:linear-gradient(135deg,rgba(21,199,106,.22),rgba(21,199,106,.10));border-color:rgba(21,199,106,.38);box-shadow:0 0 0 1px rgba(21,199,106,.10),0 18px 45px rgba(0,0,0,.45)}
.ztm1-btn--primary:hover{box-shadow:0 0 0 1px rgba(21,199,106,.18),0 22px 55px rgba(0,0,0,.50)}
.ztm1-btn--ghost{background:rgba(82,24,15,.18);border-color:rgba(82,24,15,.45)}
.ztm1-glass{background:linear-gradient(180deg,rgba(255,255,255,.08),rgba(255,255,255,.05));border:1px solid rgba(255,255,255,.12);border-radius:var(--ztm1-radius2);box-shadow:0 12px 45px rgba(0,0,0,.35);backdrop-filter:saturate(120%) blur(10px)}
.ztm1-metrics{padding:10px 0 8px}
.ztm1-metrics__grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.ztm1-metric{padding:12px}
.ztm1-metric__num{font-family:"Manrope",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;font-weight:800;font-size:20px;line-height:1.1;margin-bottom:6px;color:rgba(233,237,242,.95)}
.ztm1-metric__label{font-size:13px;line-height:1.25;color:var(--ztm1-muted)}
.ztm1-section{padding:22px 0}
.ztm1-section__head{display:flex;align-items:flex-end;justify-content:space-between;gap:14px;flex-wrap:wrap;margin-bottom:12px}
.ztm1-h2{font-family:"Manrope",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;margin:0 0 6px;font-size:20px;line-height:1.25;letter-spacing:-.15px}
.ztm1-h3{font-family:"Manrope",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;margin:0 0 8px;font-size:16px;line-height:1.3}
.ztm1-h1{font-family:"Manrope",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;margin:0 0 8px;font-size:24px;line-height:1.2;letter-spacing:-.2px}
.ztm1-sub{margin:0;color:var(--ztm1-muted);font-size:15px;line-height:1.55}
.ztm1-cardGrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.ztm1-card{display:block;min-width:0;border-radius:var(--ztm1-radius2);overflow:hidden;border:1px solid rgba(255,255,255,.12);background:linear-gradient(180deg,rgba(255,255,255,.07),rgba(255,255,255,.04));box-shadow:0 14px 42px rgba(0,0,0,.33);transition:transform .14s ease,box-shadow .18s ease,border-color .18s ease}
.ztm1-card:hover{transform:translateY(-2px);border-color:rgba(21,199,106,.42);box-shadow:0 0 0 1px rgba(21,199,106,.12),0 18px 52px rgba(0,0,0,.45)}
.ztm1-card__media{aspect-ratio:16/10;background:rgba(0,0,0,.25);border-bottom:1px solid rgba(255,255,255,.10);overflow:hidden}
.ztm1-card__media img{width:100%;height:100%;object-fit:cover}
.ztm1-card__body{padding:10px 10px 12px}
.ztm1-card__top{display:flex;align-items:flex-start;justify-content:space-between;gap:10px}
.ztm1-card__title{margin:0;font-weight:800;font-size:15px;line-height:1.25}
.ztm1-card__sub{margin:6px 0 0;color:var(--ztm1-muted);font-size:13px;line-height:1.35}
.ztm1-badge{display:inline-flex;align-items:center;justify-content:center;padding:7px 10px;border-radius:999px;border:1px solid rgba(21,199,106,.40);background:rgba(21,199,106,.10);color:rgba(233,237,242,.92);font-size:13px;line-height:1.1;white-space:nowrap;min-height:30px}
.ztm1-section__foot{margin-top:14px}
.ztm1-callout{padding:12px}
.ztm1-callout__title{font-family:"Manrope",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;font-weight:800;font-size:15px;line-height:1.25;margin-bottom:6px}
.ztm1-callout__text{color:var(--ztm1-muted);font-size:15px;line-height:1.55}
.ztm1-split{display:grid;grid-template-columns:1fr;gap:12px}
.ztm1-pillGrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin-top:10px}
.ztm1-pill{padding:10px 12px;border-radius:10px;border:1px solid rgba(255,255,255,.12);background:rgba(0,0,0,.18);font-size:14px;line-height:1.25;color:rgba(233,237,242,.90)}
.ztm1-providerBox{padding:12px}
.ztm1-providerGrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.ztm1-provider{padding:10px 12px;border-radius:10px;border:1px solid rgba(255,255,255,.12);background:rgba(255,255,255,.05);font-size:14px;line-height:1.25}
.ztm1-miniNote{margin-top:10px;color:var(--ztm1-dim);font-size:13px;line-height:1.4}
.ztm1-benefitGrid{display:grid;grid-template-columns:1fr;gap:10px}
.ztm1-benefit{padding:12px}
.ztm1-benefit__title{font-family:"Manrope",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;font-weight:800;font-size:15px;line-height:1.25;margin-bottom:6px}
.ztm1-benefit__text{color:var(--ztm1-muted);font-size:15px;line-height:1.55}
.ztm1-compare{overflow:hidden}
.ztm1-compare__row{display:grid;grid-template-columns:1fr;gap:8px;padding:12px;border-top:1px solid rgba(255,255,255,.10)}
.ztm1-compare__row:first-child{border-top:0}
.ztm1-compare__head{background:rgba(0,0,0,.15)}
.ztm1-compare__cell{font-size:14px;line-height:1.35;color:rgba(233,237,242,.90)}
.ztm1-compare__head .ztm1-compare__cell{font-weight:800;color:rgba(233,237,242,.95)}
.ztm1-steps{list-style:none;margin:12px 0 0;padding:0;display:grid;gap:10px}
.ztm1-step{display:grid;grid-template-columns:44px 1fr;gap:10px;align-items:start;padding:12px}
.ztm1-step__num{width:44px;height:44px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-weight:900;font-size:16px;line-height:1;background:rgba(82,24,15,.35);border:1px solid rgba(82,24,15,.55)}
.ztm1-step__title{font-weight:900;font-size:15px;line-height:1.25;margin-bottom:4px}
.ztm1-step__text{color:var(--ztm1-muted);font-size:15px;line-height:1.55}
.ztm1-payments{padding:12px}
.ztm1-payments__grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.ztm1-pay{padding:10px 12px;border-radius:10px;border:1px dashed rgba(255,255,255,.18);background:rgba(0,0,0,.14);font-size:14px;line-height:1.25}
.ztm1-articleBox{padding:12px;margin-top:12px}
.ztm1-article{font-size:16px;line-height:1.65;color:rgba(233,237,242,.92)}
.ztm1-article h2,.ztm1-article h3{font-family:"Manrope",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;letter-spacing:-.15px}
.ztm1-article h2{font-size:18px;line-height:1.25;margin:14px 0 8px}
.ztm1-article h3{font-size:16px;line-height:1.3;margin:12px 0 6px}
.ztm1-article p{margin:0 0 10px;color:rgba(233,237,242,.88);font-size:16px}
.ztm1-article ul,.ztm1-article ol{margin:0 0 12px 18px;padding:0}
.ztm1-article li{margin:6px 0;font-size:16px}
.ztm1-article table{width:100%;border-collapse:collapse;margin:10px 0;display:block;overflow:auto;max-width:100%}
.ztm1-article th,.ztm1-article td{border:1px solid rgba(255,255,255,.12);padding:10px;vertical-align:top;font-size:15px}
.ztm1-article th{background:rgba(255,255,255,.06);text-align:left}
.ztm1-article blockquote{margin:12px 0;padding:10px 12px;border-left:3px solid rgba(21,199,106,.55);background:rgba(21,199,106,.06);border-radius:10px;color:rgba(233,237,242,.90)}
.ztm1-article hr{border:0;border-top:1px solid rgba(255,255,255,.12);margin:14px 0}
.ztm1-article figure{margin:12px 0}
.ztm1-article figure img{border-radius:10px;border:1px solid rgba(255,255,255,.12)}
.ztm1-faq{display:grid;gap:10px}
.ztm1-faq__item{border-radius:10px;border:1px solid rgba(255,255,255,.12);background:rgba(255,255,255,.05);overflow:hidden}
.ztm1-faq__q{cursor:pointer;padding:12px 12px;font-weight:800;font-size:15px;line-height:1.3;list-style:none}
.ztm1-faq__q::-webkit-details-marker{display:none}
.ztm1-faq__a{padding:0 12px 12px;color:var(--ztm1-muted);font-size:15px;line-height:1.6}
.ztm1-pageHead{padding:18px 0 8px}
.ztm1-crumbs{margin-bottom:10px}
.ztm1-crumbs__list{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0;color:rgba(233,237,242,.78);font-size:13px;line-height:1.35}
.ztm1-crumbs__item{display:flex;align-items:center;gap:6px}
.ztm1-crumbs__item:after{content:"/";opacity:.45}
.ztm1-crumbs__item:last-child:after{content:""}
.ztm1-crumbs__link{padding:6px 10px;border-radius:999px;border:1px solid rgba(255,255,255,.10);background:rgba(0,0,0,.14)}
.ztm1-crumbs__link:hover{border-color:rgba(21,199,106,.45);box-shadow:var(--ztm1-glow)}
.ztm1-pageDesc{margin:0;color:var(--ztm1-muted);font-size:15px;line-height:1.6}
.ztm1-contentGrid{display:grid;grid-template-columns:1fr;gap:12px;align-items:start}
.ztm1-side{display:grid;gap:10px}
.ztm1-sideBox{padding:12px}
.ztm1-sideBox__title{font-weight:900;font-size:15px;line-height:1.25;margin-bottom:8px;font-family:"Manrope",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif}
.ztm1-sideList{margin:0;padding:0 0 0 18px;color:rgba(233,237,242,.88)}
.ztm1-sideItem{margin:6px 0;font-size:15px;line-height:1.55;color:rgba(233,237,242,.86)}
.ztm1-pager{display:flex;gap:10px;flex-wrap:wrap}
.ztm1-pager__link{flex:1 1 220px;display:flex;justify-content:space-between;gap:10px;align-items:center;padding:12px;border-radius:10px;border:1px solid rgba(255,255,255,.12);background:rgba(255,255,255,.05);transition:transform .14s ease,box-shadow .18s ease,border-color .18s ease}
.ztm1-pager__link:hover{transform:translateY(-1px);border-color:rgba(21,199,106,.42);box-shadow:var(--ztm1-glow)}
.ztm1-pager__label{font-size:13px;line-height:1.3;color:var(--ztm1-muted)}
.ztm1-pager__title{font-weight:900;font-size:15px;line-height:1.25}
.ztm1-related{display:grid;grid-template-columns:1fr;gap:10px}
.ztm1-related a{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:12px;border-radius:10px;border:1px solid rgba(255,255,255,.12);background:rgba(255,255,255,.05);transition:border-color .18s ease,box-shadow .18s ease,transform .14s ease;font-size:15px;line-height:1.35}
.ztm1-related a:hover{border-color:rgba(21,199,106,.42);box-shadow:var(--ztm1-glow);transform:translateY(-1px)}
.ztm1-footer{padding:22px 0 28px;border-top:1px solid rgba(255,255,255,.10);background:linear-gradient(180deg,rgba(0,0,0,.10),rgba(0,0,0,.22))}
.ztm1-footer__grid{display:grid;grid-template-columns:1fr;gap:14px}
.ztm1-footer__text{color:var(--ztm1-muted);font-size:15px;line-height:1.6;margin-top:6px}
.ztm1-footer__links{font-size:15px;line-height:1.6;color:rgba(233,237,242,.86)}
.ztm1-footer__links a{display:inline-flex;align-items:center;padding:8px 10px;border-radius:10px;border:1px solid rgba(255,255,255,.10);margin:4px 6px 0 0;background:rgba(255,255,255,.04);transition:border-color .18s ease,box-shadow .18s ease}
.ztm1-footer__links a:hover{border-color:rgba(21,199,106,.42);box-shadow:var(--ztm1-glow)}
.ztm1-legal{color:var(--ztm1-dim);font-size:13px;line-height:1.55}
.ztm1-copy{margin-top:8px;color:rgba(233,237,242,.72);font-size:13px;line-height:1.45}
.ztm1-anim{opacity:1;transform:none}
@media (prefers-reduced-motion:no-preference){.ztm1-anim{opacity:0;transform:translateY(10px);transition:opacity .55s ease,transform .55s ease}.ztm1-anim.ztm1-in{opacity:1;transform:none}}
@media (min-width:560px){.ztm1-hero__title{font-size:32px}.ztm1-cardGrid{grid-template-columns:repeat(3,minmax(0,1fr))}.ztm1-metrics__grid{grid-template-columns:repeat(4,minmax(0,1fr))}.ztm1-benefitGrid{grid-template-columns:repeat(2,minmax(0,1fr))}.ztm1-pillGrid{grid-template-columns:repeat(3,minmax(0,1fr))}.ztm1-providerGrid{grid-template-columns:repeat(3,minmax(0,1fr))}.ztm1-payments__grid{grid-template-columns:repeat(3,minmax(0,1fr))}.ztm1-related{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (min-width:820px){.ztm1-hero{padding:28px 0 12px}.ztm1-hero__grid{grid-template-columns:1.05fr .95fr;gap:18px}.ztm1-split{grid-template-columns:1fr 1fr;gap:14px}.ztm1-cardGrid{grid-template-columns:repeat(4,minmax(0,1fr))}.ztm1-compare__row{grid-template-columns:1fr 1.2fr 1.2fr;gap:14px}.ztm1-contentGrid{grid-template-columns:1.35fr .65fr}.ztm1-footer__grid{grid-template-columns:1.2fr 1fr 1fr;align-items:start}}
@media (max-width:360px){.ztm1-hero__title{font-size:24px}.ztm1-btn{width:100%}}