*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
:root{--ink:#0d1b2a;--ink2:#41506a;--mut:#6b778c;--bg:#f6f7f4;--card:#fff;--line:#dfe3ea;--acc:#ffc23d;--acc2:#e8a400;--go:#0f7b4f;--bad:#b42318;--sky:#0f2f57;--r:16px}
body{margin:0;font:16.5px/1.55 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Inter,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:inherit}img,svg{display:block}
.wrap{max-width:1120px;margin:0 auto;padding:0 18px}
header.top{position:sticky;top:0;z-index:20;background:rgba(15,47,87,.97);color:#fff;backdrop-filter:blur(6px)}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;height:58px}
.logo{display:flex;align-items:center;gap:9px;font-weight:800;font-size:20px;letter-spacing:-.02em;text-decoration:none;color:#fff}
.logo i{width:30px;height:30px;border-radius:9px;background:var(--acc);display:grid;place-items:center}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:12px;font:inherit;font-weight:700;cursor:pointer;text-decoration:none;padding:14px 20px;min-height:50px}
.btn-acc{background:var(--acc);color:var(--ink)}.btn-acc:hover{background:#ffcf63}
.btn-ink{background:var(--ink);color:#fff}.btn-ghost{background:transparent;color:var(--ink2);border:1px solid var(--line)}
.btn-sm{min-height:40px;padding:8px 14px;font-size:15px}
.btn[disabled]{opacity:.55;cursor:not-allowed}
.hero{background:linear-gradient(170deg,#0f2f57 0%,#16457c 62%,#f6f7f4 62.1%);color:#fff;padding:26px 0 30px}
.hero-grid{display:grid;gap:22px}
.hero h1{font-size:clamp(30px,8vw,52px);line-height:1.06;letter-spacing:-.03em;margin:6px 0 12px}
.hero h1 em{font-style:normal;color:var(--acc)}
.hero p.lead{font-size:18px;color:#d6e2f3;margin:0 0 14px;max-width:34em}
.ticks{display:flex;flex-wrap:wrap;gap:8px 16px;margin:0;padding:0;list-style:none;font-size:15px;color:#e8eef8}
.ticks li::before{content:"✓";color:var(--acc);font-weight:800;margin-right:6px}
.card{scroll-margin-top:70px;background:var(--card);color:var(--ink);border-radius:20px;box-shadow:0 18px 50px rgba(13,27,42,.18);padding:20px}
.card h2{font-size:21px;margin:0 0 2px;letter-spacing:-.01em}.card .sub{color:var(--mut);margin:0 0 14px;font-size:15px}
.f{margin:0 0 14px;position:relative}
.f label,.lbl{display:block;font-weight:650;font-size:14.5px;margin:0 0 6px;color:var(--ink2)}
.f input,.f select,.f textarea{width:100%;font:inherit;font-size:17px;padding:13px 14px;border:1.5px solid var(--line);border-radius:12px;background:#fff;color:var(--ink);min-height:50px;appearance:none;-webkit-appearance:none}
.f select{background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2341506a' stroke-width='2' fill='none'/%3E%3C/svg%3E") no-repeat right 14px center;padding-right:36px}
.f input:focus,.f select:focus,.f textarea:focus{outline:3px solid #ffc23d66;border-color:var(--acc2)}
.f .hint{font-size:13.5px;color:var(--mut);margin-top:5px}
.f.err input,.f.err select{border-color:var(--bad)}.f .msg{display:none;color:var(--bad);font-size:13.5px;margin-top:5px}.f.err .msg{display:block}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.swap{position:absolute;right:10px;top:-4px;border:0;background:none;color:#16457c;font-weight:700;font-size:13.5px;cursor:pointer;padding:4px}
.ac{position:absolute;left:0;right:0;top:100%;z-index:30;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 12px 30px rgba(13,27,42,.16);margin-top:4px;max-height:300px;overflow:auto;display:none;padding:4px}
.ac.open{display:block}
.ac div{padding:10px 10px;border-radius:9px;cursor:pointer;display:flex;gap:10px;align-items:baseline}
.ac div b{font-family:ui-monospace,Menlo,Consolas,monospace;font-size:15px;color:#16457c;min-width:36px}
.ac div span{font-size:15px}.ac div small{color:var(--mut);display:block;font-size:13px}
.ac div[aria-selected=true],.ac div:hover{background:#fff4d6}
.chips{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
.chips label{margin:0;cursor:pointer}
.chips input{position:absolute;opacity:0;pointer-events:none}
.chips span{display:flex;align-items:center;justify-content:center;text-align:center;min-height:48px;padding:6px;border:1.5px solid var(--line);border-radius:12px;font-weight:650;font-size:15px;color:var(--ink2);line-height:1.2}
.chips input:checked+span{border-color:var(--ink);background:var(--ink);color:#fff}
.chips input:focus-visible+span{outline:3px solid #ffc23d99}
.stepper{display:flex;align-items:center;gap:0;border:1.5px solid var(--line);border-radius:12px;width:max-content;overflow:hidden}
.stepper button{width:50px;height:48px;border:0;background:#f1f3f7;font-size:22px;font-weight:700;cursor:pointer;color:var(--ink)}
.stepper output{min-width:56px;text-align:center;font-weight:800;font-size:18px}
.result{border-radius:16px;padding:18px;margin:4px 0 14px;background:#f0faf5;border:1.5px solid #bfe6d2}
.result.no{background:#fff6f5;border-color:#f4c7c2}.result.maybe{background:#fff8e6;border-color:#f6dc9a}
.result .amt{font-size:46px;font-weight:850;letter-spacing:-.03em;line-height:1;margin:6px 0}
.result .amt small{display:block;margin-top:6px;font-size:16px;font-weight:600;color:var(--ink2);letter-spacing:0}
.result ul{margin:10px 0 0;padding-left:18px;color:var(--ink2);font-size:15px}
.result .k{font-size:13px;text-transform:uppercase;letter-spacing:.08em;font-weight:750;color:var(--go)}
.result.no .k{color:var(--bad)}.result.maybe .k{color:#946200}
.summary{background:#f4f6f9;border-radius:12px;padding:10px 12px;font-size:14.5px;color:var(--ink2);margin:0 0 14px}
.check{display:flex;gap:10px;align-items:flex-start;font-size:14.5px;color:var(--ink2);margin:0 0 12px;cursor:pointer}
.check input{width:22px;height:22px;margin:1px 0 0;flex:none;accent-color:var(--ink)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.full{width:100%}.mt{margin-top:10px}.center{text-align:center}.muted{color:var(--mut)}.small{font-size:14px}
.back{background:none;border:0;color:#16457c;font:inherit;font-weight:650;cursor:pointer;padding:6px 0;margin-bottom:6px}
.done{text-align:center;padding:12px 4px}.done .big{width:64px;height:64px;border-radius:50%;background:#e3f5ec;color:var(--go);display:grid;place-items:center;font-size:32px;margin:6px auto 10px}
.ref{font-family:ui-monospace,Menlo,Consolas,monospace;font-weight:800;font-size:22px;background:#f4f6f9;border-radius:10px;padding:8px 14px;display:inline-block;margin:6px 0}
section{padding:46px 0}section h2.t{font-size:clamp(26px,6vw,38px);letter-spacing:-.025em;margin:0 0 8px;line-height:1.12}
section p.st{color:var(--ink2);margin:0 0 24px;font-size:17px;max-width:40em}
.trust{padding:8px 0 16px}
.trust .g{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.trust .g div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px}
.trust b{display:block;font-size:20px;letter-spacing:-.01em}.trust span{font-size:14px;color:var(--mut)}
.steps{display:grid;gap:14px;counter-reset:s}
.steps div{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px 18px 18px 64px;position:relative}
.steps div::before{counter-increment:s;content:counter(s);position:absolute;left:16px;top:16px;width:34px;height:34px;border-radius:10px;background:var(--acc);font-weight:850;display:grid;place-items:center}
.steps h3{margin:0 0 4px;font-size:18px}.steps p{margin:0;color:var(--ink2)}
table.bands{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--r);overflow:hidden;border:1px solid var(--line)}
.bands th,.bands td{padding:13px 12px;text-align:left;border-bottom:1px solid var(--line);font-size:15.5px;vertical-align:top}
.bands th{background:#f1f3f7;font-size:13px;text-transform:uppercase;letter-spacing:.06em;color:var(--ink2)}
.bands td b{font-size:20px}.bands tr:last-child td{border-bottom:0}
.dark{background:var(--sky);color:#fff}.dark p.st{color:#c9d6ea}
.fee{display:grid;gap:16px}
.feebox{background:#fff;color:var(--ink);border-radius:var(--r);padding:20px}
.feebox .pct{font-size:64px;font-weight:850;letter-spacing:-.04em;line-height:1}
.ex{width:100%;border-collapse:collapse;margin-top:8px}.ex td{padding:8px 0;border-bottom:1px dashed var(--line)}.ex td:last-child{text-align:right;font-weight:700}
.ex tr.tot td{border:0;font-size:19px;color:var(--go)}
.pts{list-style:none;padding:0;margin:0;display:grid;gap:10px}.pts li{padding-left:28px;position:relative;color:#dfe8f5}
.pts li::before{content:"✓";position:absolute;left:0;color:var(--acc);font-weight:900}
details{background:#fff;border:1px solid var(--line);border-radius:14px;margin:0 0 10px;padding:0 16px}
summary{cursor:pointer;font-weight:700;padding:16px 26px 16px 0;list-style:none;position:relative;font-size:16.5px}
summary::-webkit-details-marker{display:none}summary::after{content:"+";position:absolute;right:0;top:12px;font-size:24px;color:var(--mut)}
details[open] summary::after{content:"–"}details p,details ul{margin:0 0 16px;color:var(--ink2)}
.cta{background:var(--acc);border-radius:22px;padding:28px 22px;text-align:center}
.cta h2{margin:0 0 8px;font-size:28px;letter-spacing:-.02em}.cta p{margin:0 0 16px}
footer{background:#0b1a2c;color:#aab6c8;padding:34px 0 40px;font-size:14px}
footer a{color:#dfe7f2}footer .links{display:flex;flex-wrap:wrap;gap:8px 18px;margin:12px 0}
.legal main{max-width:760px;margin:0 auto;padding:28px 18px 50px}.legal h1{font-size:32px;letter-spacing:-.02em;margin:0 0 6px}
.legal h2{font-size:20px;margin:28px 0 8px}.legal p,.legal li{color:var(--ink2)}
.ph{background:#fff4d6;border-radius:4px;padding:0 3px}
.pills{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-top:16px}.pills div{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);border-radius:12px;padding:8px 10px;font-size:12.5px;color:#d6e2f3}.pills b{display:block;font-size:20px;color:#fff}
@media (max-width:899px){.pills{display:none}}
@media (min-width:900px){.pills{margin-top:28px;max-width:470px}.pills div{padding:14px;font-size:14px}.pills b{font-size:28px}
 .hero{padding:54px 0 60px;background:linear-gradient(170deg,#0f2f57 0%,#16457c 78%,#f6f7f4 78.1%)}
 .hero-grid{grid-template-columns:1.05fr .95fr;align-items:start;gap:44px}.hero .copy{padding-top:28px}
 .card{padding:28px}.trust .g{grid-template-columns:repeat(4,1fr)}.steps{grid-template-columns:repeat(3,1fr)}
 .steps div{padding:62px 20px 22px}.steps div::before{top:18px;left:20px}
 .fee{grid-template-columns:1fr 1fr;align-items:center;gap:40px}section{padding:72px 0}
 .faq{display:grid;grid-template-columns:.8fr 1.2fr;gap:40px}
}