:root{
  --bg:#f8fafc;
  --surface:#ffffff;
  --surface-2:#f1f5f9;
  --text:#0f172a;
  --muted:#475569;
  --line:#dbe2ea;
  --brand:#173f7a;
  --brand-2:#2559a8;
  --brand-soft:#eaf2ff;
  --accent:#0f9d7a;
  --shadow:0 18px 50px rgba(15, 23, 42, .08);
  --radius:24px;
  --radius-sm:16px;
  --container:1160px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
  color:var(--text);
  background:
    radial-gradient(circle at top left, rgba(37,89,168,.06), transparent 30%),
    radial-gradient(circle at top right, rgba(15,157,122,.05), transparent 24%),
    var(--bg);
  line-height:1.6;
}
img{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none}
button,input,select{font:inherit}
button{cursor:pointer}

.container{width:min(var(--container), calc(100% - 32px));margin:0 auto}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip-link{
  position:absolute;left:-999px;top:12px;z-index:200;background:#111827;color:#fff;padding:10px 14px;border-radius:10px
}
.skip-link:focus{left:12px}

.site-header{
  position:sticky;top:0;z-index:50;
  backdrop-filter:blur(16px);
  background:rgba(248,250,252,.82);
  border-bottom:1px solid rgba(219,226,234,.7);
}
.header-inner{
  display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:80px;
}
.brand{display:flex;align-items:center;gap:14px;min-width:0}
.brand img{width:48px;height:54px;object-fit:contain}
.brand-copy{display:flex;flex-direction:column;line-height:1.2}
.brand-copy strong{font-size:1rem;letter-spacing:-.02em}
.brand-copy span{font-size:.88rem;color:var(--muted)}

.nav{display:flex;align-items:center}
.nav-toggle{
  display:none;border:1px solid var(--line);background:#fff;border-radius:14px;padding:10px;width:48px;height:48px;align-items:center;justify-content:center;gap:4px;flex-direction:column
}
.nav-toggle span{display:block;width:18px;height:2px;background:var(--text);border-radius:4px}
.nav-menu{display:flex;align-items:center;gap:10px}
.nav-menu a{
  padding:10px 14px;border-radius:999px;color:var(--muted);font-weight:600
}
.nav-menu a:hover{background:rgba(23,63,122,.07);color:var(--text)}
.nav-menu .nav-cta{background:var(--brand);color:#fff}
.nav-menu .nav-cta:hover{background:var(--brand-2);color:#fff}

.hero{padding:54px 0 26px}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(320px,.8fr);gap:28px;align-items:stretch}
.hero-copy,.hero-panel,.step-card,.calc-form,.result-panel,.faq-item,.contact-box,.site-footer,.table-wrap,.logo-strip-inner{
  background:rgba(255,255,255,.92);
  border:1px solid rgba(219,226,234,.9);
  box-shadow:var(--shadow);
}
.hero-copy,.hero-panel,.calc-form,.result-panel,.contact-box,.site-footer,.table-wrap{border-radius:var(--radius)}
.hero-copy{padding:36px}
.eyebrow,.section-kicker{
  display:inline-flex;align-items:center;gap:8px;padding:8px 12px;border-radius:999px;background:var(--brand-soft);color:var(--brand);font-size:.82rem;font-weight:800;letter-spacing:.02em;text-transform:uppercase
}
.hero h1{
  margin:18px 0 14px;font-size:clamp(2.1rem,4.3vw,4.2rem);line-height:1.05;letter-spacing:-.04em;max-width:12ch
}
.lead{margin:0 0 24px;font-size:1.08rem;color:var(--muted);max-width:60ch}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:28px}
.hero-points{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.point{
  padding:16px;border-radius:18px;background:var(--surface-2);border:1px solid var(--line)
}
.point strong{display:block;margin-bottom:4px;font-size:1rem}
.point span{display:block;color:var(--muted);font-size:.94rem;line-height:1.45}

.hero-panel{padding:26px}
.hero-panel-head{display:flex;gap:14px;align-items:flex-start}
.hero-panel-head img{width:76px;height:85px;object-fit:contain;flex:0 0 auto}
.panel-kicker{font-weight:800;letter-spacing:-.02em;font-size:1.05rem}
.hero-panel-head p{margin:4px 0 0;color:var(--muted);font-size:.95rem}
.hero-stats{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:18px 0}
.stat-card{
  padding:16px;border-radius:18px;background:var(--surface-2);border:1px solid var(--line)
}
.stat-card span{display:block;color:var(--muted);font-size:.85rem;font-weight:700}
.stat-card strong{display:block;margin-top:8px;font-size:1.3rem;line-height:1.15;letter-spacing:-.03em}
.progress,.result-bar{height:10px;border-radius:999px;background:#e2e8f0;overflow:hidden}
.progress span,.result-bar span{
  display:block;height:100%;width:42%;background:linear-gradient(90deg,var(--brand),var(--accent));border-radius:999px;transition:width .25s ease
}
.inline-link{display:inline-block;margin-top:16px;font-weight:700;color:var(--brand)}
.inline-link:hover{text-decoration:underline}

.logo-strip{padding:6px 0 8px}
.logo-strip-inner{
  display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:28px;padding:18px;border-radius:20px
}
.logo-strip-inner img{max-height:36px;width:auto;filter:grayscale(.1)}

.section{padding:34px 0}
.section-soft{padding:34px 0;background:linear-gradient(180deg, transparent, rgba(37,89,168,.03), transparent)}
.section-head{margin-bottom:22px}
.section-head h2,.faq-copy h2,.contact-box h2{margin:12px 0 8px;font-size:clamp(1.8rem,3.2vw,2.6rem);line-height:1.1;letter-spacing:-.03em}
.section-head p,.faq-copy p,.contact-box p{margin:0;color:var(--muted);max-width:70ch}

.steps-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.step-card{padding:26px;border-radius:22px}
.step-number{display:inline-flex;align-items:center;justify-content:center;width:48px;height:48px;border-radius:14px;background:var(--brand);color:#fff;font-weight:800;margin-bottom:14px}
.step-card h2{margin:0 0 10px;font-size:1.25rem;letter-spacing:-.02em}
.step-card p{margin:0;color:var(--muted)}

.calculator-layout{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(300px,.85fr);gap:22px;align-items:start}
.calc-form{padding:28px}
.field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.field{display:block}
.field span{display:block;font-weight:700;margin-bottom:8px}
.field small{display:block;margin-top:8px;color:var(--muted);line-height:1.45}
.control{
  position:relative;display:flex;align-items:center;background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden;min-height:60px
}
.control input,.control select{
  width:100%;padding:0 52px 0 18px;height:58px;border:0;background:transparent;color:var(--text);outline:none
}
.control-select select{padding-right:18px;appearance:none;background-image:linear-gradient(45deg,transparent 50%, var(--muted) 50%),linear-gradient(135deg,var(--muted) 50%, transparent 50%);background-position:calc(100% - 20px) calc(50% - 3px),calc(100% - 14px) calc(50% - 3px);background-size:6px 6px,6px 6px;background-repeat:no-repeat}
.suffix{position:absolute;right:16px;color:var(--muted);font-weight:700}
.quick-picks{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.quick-btn{
  border:1px solid var(--line);background:var(--surface-2);padding:10px 14px;border-radius:999px;font-weight:700;color:var(--text)
}
.quick-btn:hover{background:var(--brand-soft);border-color:#bfd4ff}
.form-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.form-note{margin:18px 0 0;color:var(--muted);font-size:.95rem}

.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 20px;border-radius:16px;border:1px solid transparent;font-weight:800;letter-spacing:-.01em;transition:transform .15s ease, background .2s ease, color .2s ease
}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--brand);color:#fff}
.btn-primary:hover{background:var(--brand-2)}
.btn-secondary{background:#fff;border-color:var(--line);color:var(--text)}
.btn-secondary:hover{background:var(--surface-2)}
.btn-block{width:100%;margin-top:18px}

.result-panel{padding:28px;position:sticky;top:98px}
.result-head h3{margin:12px 0 8px;font-size:1.45rem;letter-spacing:-.02em}
.result-head p{margin:0;color:var(--muted)}
.result-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:20px 0}
.result-card{
  padding:16px;border-radius:18px;background:var(--surface-2);border:1px solid var(--line)
}
.result-card span{display:block;color:var(--muted);font-size:.85rem;font-weight:700}
.result-card strong{display:block;margin-top:8px;font-size:1.25rem;letter-spacing:-.03em;line-height:1.15}
.result-card-accent{background:linear-gradient(180deg,#eff6ff,#eefcf7)}
.result-meta{display:grid;gap:12px;margin-bottom:16px}
.result-meta div{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:14px 0;border-bottom:1px solid var(--line)}
.result-meta div:last-child{border-bottom:0}
.result-meta span{color:var(--muted);font-size:.95rem}
.result-meta strong{font-size:1rem}

.ranking-toolbar{
  display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-bottom:14px
}
.ranking-toolbar label span{display:block;font-weight:700;margin-bottom:8px}
.ranking-toolbar input,.ranking-toolbar select{
  width:100%;height:54px;padding:0 16px;border:1px solid var(--line);border-radius:16px;background:#fff;color:var(--text);outline:none
}
.ranking-note{margin-bottom:16px;color:var(--muted)}
.table-wrap{overflow:auto}
.ranking-table{width:100%;border-collapse:collapse;min-width:880px}
.ranking-table th,.ranking-table td{padding:18px 16px;border-bottom:1px solid var(--line);vertical-align:middle;text-align:left}
.ranking-table thead th{font-size:.85rem;color:var(--muted);text-transform:uppercase;letter-spacing:.04em}
.ranking-table tbody tr{transition:background .2s ease, opacity .2s ease}
.ranking-table tbody tr:hover{background:#f8fbff}
.ranking-table tbody tr.is-dim{opacity:.55}
.ranking-table tbody tr.is-best{background:linear-gradient(180deg, rgba(234,242,255,.75), rgba(255,255,255,.95))}
.bank-cell{display:flex;align-items:center;gap:14px;min-width:230px}
.bank-cell img{width:auto;max-height:36px;max-width:120px;object-fit:contain;flex:0 0 auto}
.bank-cell strong{display:block;font-size:1rem}
.bank-cell span{display:block;color:var(--muted);font-size:.93rem;line-height:1.35}
.link-btn{
  display:inline-flex;align-items:center;justify-content:center;padding:12px 16px;border-radius:14px;background:var(--brand);color:#fff;font-weight:800;white-space:nowrap
}
.link-btn:hover{background:var(--brand-2)}
.js-profit strong{font-size:1rem}

.faq-layout{display:grid;grid-template-columns:minmax(260px,.42fr) minmax(0,.58fr);gap:20px;align-items:start}
.faq-list{display:grid;gap:14px}
.faq-item{padding:0 22px;border-radius:22px;overflow:hidden}
.faq-item summary{list-style:none;cursor:pointer;padding:22px 0;font-weight:800;letter-spacing:-.01em}
.faq-item summary::-webkit-details-marker{display:none}
.faq-body{padding:0 0 22px;color:var(--muted)}

.contact-box{padding:30px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.contact-actions{display:flex;flex-wrap:wrap;gap:12px}

.site-footer{margin:0 0 24px;padding:24px}
.footer-inner{display:flex;align-items:center;justify-content:space-between;gap:20px}
.footer-brand{display:flex;align-items:center;gap:12px}
.footer-brand p,.footer-meta{margin:0;color:var(--muted);font-size:.94rem}
.footer-meta{display:flex;flex-direction:column;align-items:flex-end;gap:4px;text-align:right}

@media (max-width: 1024px){
  .hero-grid,.calculator-layout,.faq-layout,.steps-grid{grid-template-columns:1fr}
  .result-panel{position:static}
  .hero h1{max-width:none}
  .hero-points{grid-template-columns:1fr}
}

@media (max-width: 760px){
  .container{width:min(var(--container), calc(100% - 20px))}
  .header-inner{min-height:72px}
  .brand-copy span{display:none}
  .nav-toggle{display:flex}
  .nav-menu{
    position:absolute;top:72px;left:10px;right:10px;display:none;flex-direction:column;align-items:stretch;padding:12px;border-radius:20px;background:rgba(255,255,255,.98);border:1px solid var(--line);box-shadow:var(--shadow)
  }
  .nav-menu.is-open{display:flex}
  .nav-menu a{text-align:center}
  .hero,.section,.section-soft{padding:24px 0}
  .hero-copy,.hero-panel,.calc-form,.result-panel,.contact-box,.site-footer,.table-wrap{padding:22px}
  .field-grid,.ranking-toolbar,.result-cards{grid-template-columns:1fr}
  .hero-stats{grid-template-columns:1fr 1fr}
  .contact-box,.footer-inner{flex-direction:column;align-items:flex-start}
  .footer-meta{text-align:left;align-items:flex-start}
}

@media (max-width: 560px){
  .hero-stats{grid-template-columns:1fr}
  .hero h1{font-size:2.2rem}
  .btn,.link-btn{width:100%}
  .hero-actions,.form-actions,.contact-actions{flex-direction:column}
}