:root{
  --ink:#122033;--muted:#5d6a7a;--line:#dfe6ee;--paper:#ffffff;--wash:#f5f8fb;
  --navy:#0b2550;--blue:#1769e0;--blue-2:#0d4ca6;--aqua:#23c9b8;--gold:#ffce5c;
  --good:#087c66;--shadow:0 18px 55px rgba(10,35,70,.12);--radius:22px;--max:1180px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.55}a{color:inherit;text-decoration:none}img,svg{max-width:100%;display:block}button,input,select,textarea{font:inherit}.container{width:min(calc(100% - 32px),var(--max));margin:auto}.skip{position:absolute;left:-9999px;top:auto}.skip:focus{left:16px;top:16px;z-index:999;background:#fff;padding:12px 16px;border-radius:10px;box-shadow:var(--shadow)}
.topbar{background:var(--navy);color:#fff;font-size:.92rem}.topbar .container{display:flex;justify-content:center;gap:9px;padding:9px 0}.topbar strong{color:#aef5ec}.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid rgba(223,230,238,.85)}.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:76px}.brand{display:flex;align-items:center;gap:11px;font-weight:900;letter-spacing:-.04em;font-size:1.2rem}.brand-mark{width:40px;height:40px;border-radius:13px;display:grid;place-items:center;background:linear-gradient(135deg,var(--blue),var(--aqua));color:#fff;box-shadow:0 8px 22px rgba(23,105,224,.25)}.navlinks{display:flex;gap:22px;align-items:center;font-weight:700;font-size:.95rem}.navlinks a:hover{color:var(--blue)}.nav-cta,.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:999px;font-weight:800;transition:.2s ease;border:0;cursor:pointer}.nav-cta{padding:11px 17px;background:var(--navy);color:white}.btn{padding:14px 22px}.btn-primary{background:var(--blue);color:#fff;box-shadow:0 10px 25px rgba(23,105,224,.22)}.btn-primary:hover{background:var(--blue-2);transform:translateY(-1px)}.btn-light{background:white;color:var(--navy);border:1px solid var(--line)}.menu-btn{display:none;background:transparent;border:0;font-size:1.5rem}
.hero{overflow:hidden;background:radial-gradient(circle at 85% 10%,rgba(35,201,184,.18),transparent 24%),radial-gradient(circle at 10% 25%,rgba(23,105,224,.15),transparent 28%),linear-gradient(180deg,#f8fbff,#fff);padding:82px 0 58px}.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center}.eyebrow{display:inline-flex;align-items:center;gap:8px;background:#eaf4ff;color:var(--blue-2);border:1px solid #cfe3ff;border-radius:999px;padding:7px 11px;font-size:.84rem;font-weight:850;text-transform:uppercase;letter-spacing:.06em}.hero h1{font-size:clamp(2.7rem,6vw,5.4rem);line-height:.96;letter-spacing:-.065em;margin:20px 0 22px;max-width:800px}.hero h1 span{color:var(--blue)}.lede{font-size:1.18rem;color:var(--muted);max-width:670px;margin:0 0 30px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.micro-trust{display:flex;gap:20px;flex-wrap:wrap;margin-top:27px;color:#435269;font-size:.92rem;font-weight:650}.micro-trust span{display:flex;align-items:center;gap:7px}.tick{width:19px;height:19px;border-radius:50%;background:#dff7f1;color:var(--good);display:grid;place-items:center;font-size:.72rem;font-weight:900}
.compare-card{background:#fff;border:1px solid #e1eaf3;border-radius:28px;padding:28px;box-shadow:var(--shadow);position:relative}.compare-card:before{content:"";position:absolute;inset:-14px -14px auto auto;width:110px;height:110px;border-radius:30px;background:var(--gold);opacity:.16;transform:rotate(13deg);z-index:-1}.compare-card h2{font-size:1.55rem;letter-spacing:-.03em;margin:0 0 6px}.compare-card p{color:var(--muted);margin:0 0 20px}.field{display:grid;gap:7px;margin-bottom:14px}.field label{font-weight:800;font-size:.91rem}.field select,.field input,.field textarea{width:100%;border:1px solid #cfd9e5;background:#fff;border-radius:13px;padding:13px 14px;outline:none}.field select:focus,.field input:focus,.field textarea:focus{border-color:var(--blue);box-shadow:0 0 0 4px rgba(23,105,224,.09)}.compare-card .btn{width:100%;margin-top:5px}.fine{font-size:.78rem!important;color:#78869a!important;margin:13px 0 0!important}.result-note{display:none;margin-top:16px;padding:14px;border-radius:13px;background:#edf9f6;color:#075e50;font-weight:700}.result-note.show{display:block}
.section{padding:78px 0}.section.alt{background:var(--wash)}.section-head{display:flex;justify-content:space-between;gap:30px;align-items:end;margin-bottom:32px}.kicker{font-weight:900;color:var(--blue);text-transform:uppercase;letter-spacing:.08em;font-size:.8rem}.section h2{font-size:clamp(2rem,4vw,3.25rem);line-height:1.05;letter-spacing:-.05em;margin:7px 0 0}.section-head p{max-width:520px;color:var(--muted);margin:0}.category-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}.cat{background:#fff;border:1px solid var(--line);border-radius:19px;padding:22px;min-height:190px;display:flex;flex-direction:column;transition:.2s}.cat:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(15,45,80,.08);border-color:#c7d8eb}.cat-icon{width:48px;height:48px;border-radius:14px;background:#edf4ff;display:grid;place-items:center;color:var(--blue);font-size:1.4rem;margin-bottom:22px}.cat h3{margin:0 0 7px;font-size:1.17rem}.cat p{margin:0;color:var(--muted);font-size:.94rem}.cat-link{margin-top:auto;padding-top:18px;color:var(--blue);font-weight:850;font-size:.92rem}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.step{position:relative;padding:26px 26px 24px;border-left:3px solid #dbeaff}.step-num{font-size:.82rem;color:var(--blue);font-weight:900;text-transform:uppercase;letter-spacing:.08em}.step h3{font-size:1.25rem;margin:10px 0 8px}.step p{margin:0;color:var(--muted)}
.trust-panel{background:linear-gradient(135deg,var(--navy),#103b78);color:#fff;border-radius:28px;padding:38px;display:grid;grid-template-columns:1fr 1fr;gap:42px;align-items:center;overflow:hidden;position:relative}.trust-panel:after{content:"";position:absolute;width:250px;height:250px;border:50px solid rgba(255,255,255,.05);border-radius:50%;right:-75px;bottom:-100px}.trust-panel h2{margin:7px 0 14px}.trust-panel p{color:#cfddf1}.trust-list{display:grid;gap:13px;position:relative;z-index:1}.trust-row{display:flex;align-items:flex-start;gap:12px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);padding:15px;border-radius:14px}.trust-row b{display:block;margin-bottom:2px}.trust-row small{color:#d4e2f5}.shield{flex:0 0 37px;height:37px;border-radius:11px;background:rgba(35,201,184,.18);display:grid;place-items:center;color:#72f1df}
.guides{display:grid;grid-template-columns:1.3fr .85fr .85fr;gap:18px}.guide{min-height:250px;border-radius:22px;padding:25px;position:relative;overflow:hidden;display:flex;flex-direction:column;justify-content:flex-end;border:1px solid var(--line);background:#fff}.guide.featured{background:linear-gradient(145deg,#0c2f61,#1769e0);color:#fff;min-height:330px}.guide:before{content:"";position:absolute;width:170px;height:170px;border-radius:42px;right:-45px;top:-60px;background:linear-gradient(145deg,rgba(35,201,184,.45),rgba(255,206,92,.28));transform:rotate(20deg)}.guide small{font-weight:900;text-transform:uppercase;letter-spacing:.07em;color:var(--blue);position:relative}.guide.featured small{color:#b8e9ff}.guide h3{font-size:1.35rem;line-height:1.13;margin:8px 0 9px;letter-spacing:-.025em;position:relative}.guide.featured h3{font-size:2rem}.guide p{margin:0;color:var(--muted);position:relative}.guide.featured p{color:#d9e7fb}.read{margin-top:18px;font-weight:850;position:relative}
.faq{max-width:860px;margin:auto}.faq details{border-bottom:1px solid var(--line);padding:18px 4px}.faq summary{cursor:pointer;font-weight:850;font-size:1.05rem;list-style:none;display:flex;justify-content:space-between;gap:18px}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";font-size:1.4rem;color:var(--blue)}.faq details[open] summary:after{content:"–"}.faq details p{color:var(--muted);padding-right:42px}.cta-band{padding:38px;border-radius:26px;background:linear-gradient(120deg,#eaf4ff,#edfcf9);border:1px solid #d9e9ef;display:flex;justify-content:space-between;align-items:center;gap:26px}.cta-band h2{font-size:2rem;margin:0 0 6px}.cta-band p{margin:0;color:var(--muted)}
.footer{background:#09192f;color:#d8e2ee;padding:55px 0 28px;margin-top:74px}.footer-grid{display:grid;grid-template-columns:1.3fr repeat(3,1fr);gap:36px}.footer .brand{color:#fff;margin-bottom:16px}.footer p{color:#9fb0c5;font-size:.92rem}.footer h4{color:#fff;margin:0 0 13px}.footer a{display:block;color:#b7c5d5;font-size:.92rem;margin:9px 0}.footer a:hover{color:#fff}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:34px;padding-top:22px;display:flex;justify-content:space-between;gap:20px;font-size:.82rem;color:#8fa2b9}.legal-hero{padding:70px 0 36px;background:var(--wash)}.legal-hero h1{font-size:clamp(2.4rem,5vw,4.2rem);letter-spacing:-.055em;margin:0 0 12px}.legal{max-width:840px;padding:46px 0}.legal h2{margin-top:36px;font-size:1.45rem}.legal p,.legal li{color:#46566a}.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:38px}.contact-card{background:var(--wash);border:1px solid var(--line);border-radius:20px;padding:24px}.notice{border-left:4px solid var(--gold);background:#fff9e9;padding:15px 17px;border-radius:12px;color:#644c09;margin:22px 0}.tag{display:inline-block;padding:5px 9px;border-radius:999px;background:#edf4ff;color:var(--blue-2);font-weight:800;font-size:.78rem}
@media(max-width:900px){.hero-grid,.trust-panel,.contact-grid{grid-template-columns:1fr}.hero{padding-top:54px}.category-grid{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:1fr}.guides{grid-template-columns:1fr 1fr}.guide.featured{grid-column:1/-1}.navlinks{display:none;position:absolute;left:16px;right:16px;top:70px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px;box-shadow:var(--shadow);flex-direction:column;align-items:flex-start}.navlinks.open{display:flex}.menu-btn{display:block}.nav-cta{display:none}.section-head{align-items:start;flex-direction:column}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.hero h1{font-size:3.1rem}.category-grid,.guides,.footer-grid{grid-template-columns:1fr}.guide.featured{grid-column:auto}.section{padding:58px 0}.compare-card{padding:22px}.cta-band{align-items:flex-start;flex-direction:column}.footer-bottom{flex-direction:column}.topbar .container{text-align:center}.micro-trust{gap:11px}}