:root{--ink:#45484d;--accent:#c9a04e;--wash:#f6f3e9;--paper:#fffdf8;--muted:#6c6862;--line:#45484d21;--shadow:0 20px 65px #302b1814}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;min-width:320px;background:var(--wash);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;line-height:1.6}button,input,select,textarea{font:inherit}button,a,input,select,summary,textarea{-webkit-tap-highlight-color:transparent}button,a,summary{cursor:pointer}button{color:inherit}a{color:inherit;text-decoration:none}a:hover{color:#99762e}button:focus-visible,a:focus-visible,summary:focus-visible{outline:3px solid var(--accent);outline-offset:4px}input:focus,select:focus,textarea:focus{outline:2px solid var(--accent);outline-offset:2px}.wrap{width:min(1180px,calc(100% - 48px));margin:auto}header{position:sticky;top:0;z-index:30;background:#f6f3e9f5;backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;justify-content:space-between;gap:28px;min-height:96px}.brand img{width:157px;height:auto;display:block}.nav-links{display:flex;align-items:center;gap:23px;font-size:13px;font-weight:650}.nav-menu{position:relative}.nav-menu summary{list-style:none}.nav-menu summary::after{content:'⌄';margin-left:5px;color:var(--muted)}.nav-menu .dropdown{position:absolute;top:36px;left:-20px;min-width:260px;padding:12px;border:1px solid var(--line);border-radius:18px;background:var(--paper);box-shadow:var(--shadow)}.dropdown a{display:block;padding:8px 12px;border-radius:8px}.dropdown a:hover{background:var(--wash)}.primary,.dark{background-color:var(--ink);color:white;background-image:linear-gradient(100deg,#0003,#0001),url('/texture.svg');background-size:auto,420px 324px}.primary{display:inline-flex;align-items:center;justify-content:center;gap:13px;padding:14px 21px;border:0;border-radius:12px;font-weight:750;font-size:14px;text-align:center;text-shadow:0 1px 3px #0009;transition:transform .18s,box-shadow .18s}.primary:hover{transform:translateY(-2px);color:#fff;box-shadow:0 8px 20px #45484d26}.primary:disabled{opacity:.55;cursor:wait;transform:none}.secondary{display:inline-flex;gap:8px;align-items:center;padding:12px 18px;border:1px solid var(--line);border-radius:12px;background:transparent;font-weight:700;font-size:14px}.mobile-toggle{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 12px}.hero{padding:56px 0 64px}.hero-grid{display:grid;grid-template-columns:.93fr 1.07fr;gap:62px;align-items:center}.eyebrow{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--line);border-radius:100px;padding:6px 12px;font-size:12px;font-weight:700;color:var(--muted)}.eyebrow::before{content:'';width:7px;height:7px;background:var(--accent);border-radius:50%}h1{font-size:clamp(40px,5vw,72px);line-height:1.02;letter-spacing:-.065em;margin:20px 0;font-weight:830}h2{font-size:clamp(28px,3.5vw,44px);line-height:1.12;letter-spacing:-.045em;margin:0 0 18px}h3{font-size:20px;letter-spacing:-.025em;line-height:1.3;margin:0 0 12px}p{margin:0 0 18px}.accent{color:var(--accent)}.binary-title{background:var(--ink) url('/texture.svg') 0 0/210px 162px;-webkit-background-clip:text;background-clip:text;color:transparent;box-decoration-break:clone;-webkit-box-decoration-break:clone}.lead{font-size:18px;line-height:1.65;color:var(--muted);max-width:650px}.trust{display:flex;flex-wrap:wrap;gap:12px 22px;font-size:12px;font-weight:700;margin-top:26px}.trust span::before{content:'✓';color:var(--accent);margin-right:7px}.calculator{padding:26px;background:var(--paper);border:1px solid var(--line);border-radius:26px;box-shadow:var(--shadow);scroll-margin-top:120px}.calc-head{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:16px}.calc-head h2{font-size:23px;letter-spacing:-.04em;margin:0}.steps{display:flex;gap:5px}.steps i{width:25px;height:4px;border-radius:8px;background:var(--line)}.steps i:first-child{background:var(--accent)}.tabs{display:grid;grid-template-columns:repeat(4,1fr);gap:3px;background:#45484d09;border-radius:12px;padding:4px;margin:14px 0 20px}.tabs button{border:0;background:none;border-radius:9px;padding:9px 2px;font-size:12px;font-weight:700}.tabs button[aria-pressed=true]{background:var(--paper);box-shadow:0 2px 6px #0001}.fields{display:grid;grid-template-columns:1fr 1fr;gap:12px}.field{display:flex;flex-direction:column;gap:7px;margin-bottom:14px}.field>span,.field>label{font-size:11px;letter-spacing:.055em;text-transform:uppercase;font-weight:750;color:var(--muted)}.field input,.field select,.field textarea{width:100%;border:1px solid var(--line);border-radius:12px;background:var(--paper);padding:13px 14px;color:var(--ink);min-width:0}.field input[type=range]{padding:10px 0;border:0;accent-color:var(--accent)}.field textarea{resize:vertical;min-height:100px}.range-label{display:flex;justify-content:space-between;font-size:12px;color:var(--muted)}.calc-result{display:flex;justify-content:space-between;align-items:center;border-top:1px solid var(--line);padding-top:18px;margin:8px 0 16px;gap:15px}.calc-result strong{font-size:27px;white-space:nowrap;letter-spacing:-.05em}.calc-result small{display:block;font-size:11px;color:var(--muted)}.calculator .primary{width:100%}.fine{font-size:11px;line-height:1.6;color:var(--muted);margin:12px 0 0}.error{color:#a63726;font-size:13px;padding:10px 0}.error:empty{display:none}.hint{font-size:12px;color:var(--muted)}section{padding:76px 0}.section-head{display:flex;align-items:end;justify-content:space-between;gap:28px;margin-bottom:30px}.section-head p{max-width:380px;color:var(--muted)}.paper{background:var(--paper)}.bank-strip{padding:22px 0 42px;text-align:center}.kicker{font-size:11px;font-weight:750;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}.logos{display:flex;align-items:center;justify-content:center;flex-wrap:wrap;gap:25px 40px;margin-top:26px}.logos img{width:105px;height:36px;object-fit:contain;mix-blend-mode:multiply}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:26px}.card .number{display:grid;place-items:center;width:34px;height:34px;background:var(--ink);color:white;border-radius:50%;margin-bottom:32px;font-size:12px}.card p{color:var(--muted);font-size:14px}.card .link{font-size:13px;font-weight:750;color:#9b772f}.metrics{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-top:30px;padding:24px 0;text-align:center}.metrics strong{display:block;font-size:28px;letter-spacing:-.055em}.metrics span{font-size:12px;color:var(--muted)}.feature{display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:60px}.feature img{width:100%;height:440px;object-fit:cover;border-radius:24px}.checklist{padding-left:0;list-style:none}.checklist li{padding:9px 0;font-size:15px}.checklist li::before{content:'✓';margin-right:10px;color:var(--accent);font-weight:800}.faq{max-width:850px;margin:auto}.faq details{border-bottom:1px solid var(--line);padding:19px 0}.faq summary{font-weight:750;list-style:none;padding-right:35px;position:relative}.faq summary::after{content:'+';position:absolute;right:0;color:var(--accent);font-size:23px;line-height:1}.faq details[open] summary::after{content:'−'}.faq details p{padding-top:15px;color:var(--muted);font-size:14px}.cta{padding:42px;border-radius:26px;display:flex;align-items:center;justify-content:space-between;gap:30px}.cta h2{max-width:680px}.cta p{color:#fffc;margin-bottom:0}.cta .primary{background:var(--accent);color:var(--ink);background-image:none;text-shadow:none;flex-shrink:0}.crumbs{font-size:12px;color:var(--muted);margin-bottom:25px}.page-head{padding:42px 0 55px}.page-head h1{max-width:850px;font-size:clamp(36px,4.6vw,62px)}.page-head .actions{display:flex;gap:12px;margin-top:24px;flex-wrap:wrap}.page-body{padding-top:0}.reading{max-width:790px}.reading h2{font-size:30px;margin-top:38px}.reading p,.reading li{color:var(--muted)}.reading ul{padding-left:24px}.reading .intro{font-size:20px}.aside-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:45px}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:18px;background:var(--paper)}table{width:100%;border-collapse:collapse;min-width:600px;font-size:14px}th,td{text-align:left;padding:15px 20px;border-bottom:1px solid var(--line)}th{font-size:11px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted)}td img{width:95px;height:32px;object-fit:contain}tbody tr:last-child td{border:0}.filters{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin:20px 0 28px}.filters button{border:1px solid var(--line);background:transparent;border-radius:100px;padding:8px 15px;font-size:12px;font-weight:700}.filters button[aria-pressed=true]{background:var(--ink);color:white}.search{width:100%;max-width:420px;border:1px solid var(--line);border-radius:12px;padding:12px 15px;background:var(--paper);color:var(--ink)}.bank-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}.bank-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px;display:flex;flex-direction:column;justify-content:center;align-items:center;gap:18px;min-height:150px;text-align:center}.bank-card img{width:140px;height:48px;object-fit:contain}.bank-card span{font-size:12px}.article-card{display:flex;flex-direction:column;gap:12px}.article-card .kicker{color:#9b772f}.article-card p{flex-grow:1}.article-card:hover{box-shadow:var(--shadow)}.notice{border-left:3px solid var(--accent);padding:16px 22px;background:#c9a04e10;border-radius:0 12px 12px 0;font-size:13px;line-height:1.7;margin:22px 0}.result-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.result-card{padding:23px;border:1px solid var(--line);border-radius:18px;background:var(--paper)}.result-card strong{font-size:28px;display:block}.result-card .big-rate{font-size:36px;color:#9b772f}.tag{display:inline-block;border:1px solid var(--line);border-radius:100px;padding:3px 9px;font-size:10px;margin-bottom:12px}.modal-backdrop{position:fixed;inset:0;background:#20222688;z-index:80;display:grid;place-items:center;padding:20px;backdrop-filter:blur(5px)}.modal{background:var(--paper);border-radius:24px;width:min(620px,100%);max-height:90dvh;overflow:auto;padding:30px;box-shadow:var(--shadow)}.modal-close{float:right;border:0;background:var(--wash);border-radius:50%;width:32px;height:32px}.modal h2{font-size:29px}.checks{display:flex;gap:10px;align-items:flex-start;font-size:12px;color:var(--muted);margin:18px 0}.checks input{accent-color:var(--accent);margin-top:5px}.step-label{font-size:11px;color:#9b772f;font-weight:750;letter-spacing:.1em;text-transform:uppercase;margin-bottom:12px}.footer{padding:55px 0 22px;border-top:1px solid var(--line);margin-top:25px}.footer-cols{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:35px}.footer-cols h3{font-size:14px}.footer-cols a{display:block;font-size:12px;padding:5px 0;color:var(--muted)}.footer .brand img{width:135px;margin-bottom:16px}.footer-bottom{border-top:1px solid var(--line);margin-top:35px;padding-top:20px;display:flex;justify-content:space-between;gap:20px;font-size:11px;color:var(--muted)}.footer-bottom div{display:flex;gap:15px;flex-wrap:wrap}.empty{text-align:center;padding:45px;color:var(--muted)}.sticky-mobile{display:none}.chart-bar{height:12px;border-radius:10px;background:#45484d14;overflow:hidden;margin:15px 0}.chart-bar span{display:block;height:100%;background:var(--accent)}[hidden]{display:none!important}.success{border:1px solid #5b846c;background:#5b846c12;border-radius:14px;padding:20px}.inline-link{text-decoration:underline;text-underline-offset:3px}.article-meta{font-size:12px;color:var(--muted);margin-bottom:25px}.badge{font-size:11px;padding:5px 9px;border-radius:8px;background:#c9a04e20;color:#886620}.tool-output{padding:25px;background:var(--wash);border-radius:16px;margin-top:15px}.tool-output strong{font-size:32px}.form-row{display:flex;gap:12px;align-items:center;flex-wrap:wrap}.form-row>*{flex:1;min-width:160px}
@media(max-width:1050px){.nav-links{gap:13px;font-size:12px}.nav{gap:15px}.hero-grid{gap:30px}.bank-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:850px){.mobile-toggle{display:block}.nav{min-height:80px}.nav>.primary{margin-left:auto}.nav-links{display:none;position:absolute;top:80px;left:0;right:0;background:var(--paper);padding:20px 25px;box-shadow:var(--shadow);max-height:75dvh;overflow:auto}.nav-links.open{display:flex;flex-direction:column;align-items:stretch;gap:18px}.nav-menu .dropdown{position:static;box-shadow:none;border:0;background:var(--wash);margin-top:10px;min-width:0}.hero-grid,.feature,.aside-grid{grid-template-columns:1fr}.hero h1{max-width:630px}.hero{padding-top:36px}.hero-grid{gap:35px}.hero .calculator{max-width:650px;width:100%;margin:auto}.cards{grid-template-columns:1fr 1fr}.feature img{height:350px}.footer-cols{grid-template-columns:1fr 1fr}.cta{display:block}.cta .primary{margin-top:25px}.result-grid{grid-template-columns:1fr}.section-head{display:block}.bank-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:540px){.wrap{width:calc(100% - 32px)}.brand img{width:130px}.nav>.primary{font-size:11px;padding:11px 12px}.nav{gap:10px}.mobile-toggle{padding:6px 10px}.hero h1{font-size:48px}.lead{font-size:16px}section{padding:54px 0}.cards{grid-template-columns:1fr}.fields{gap:10px}.calculator{padding:20px}.calc-result strong{font-size:24px}.metrics{grid-template-columns:1fr 1fr;gap:25px}.bank-grid{grid-template-columns:1fr 1fr}.bank-card{padding:15px;min-height:130px}.bank-card img{width:110px}.footer-cols{gap:25px}.footer-cols>div:first-child{grid-column:1/-1}.footer-bottom{display:block;padding-bottom:60px}.footer-bottom div{margin-top:10px}.feature{gap:30px}.feature img{height:290px}.cta{padding:28px}.modal{padding:24px}.page-head{padding-top:28px}.sticky-mobile{display:flex;position:fixed;bottom:0;left:0;right:0;padding:10px 16px;z-index:35;background:#fffdf8f5;border-top:1px solid var(--line);gap:10px}.sticky-mobile a{flex:1;padding:10px;font-size:12px}.filters{gap:7px}.filters button{padding:7px 10px}.logos{gap:23px}.logos img{width:85px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
@media print{header,.footer,.sticky-mobile,.primary,.secondary,.filters{display:none!important}body{background:white}.wrap{width:100%}.card,.calculator{box-shadow:none}section{padding:20px 0}}

.result-card .big-rate{display:block}.result-card .tag{display:table}

.hero h1 .accent{display:block}

.launch-page{min-height:100svh;display:grid;align-content:center;justify-items:center;padding:2rem;text-align:center;gap:1.6rem}.launch-page img{width:clamp(9rem,23vw,14rem);height:auto}.launch-page h1{font-size:clamp(2.2rem,6vw,4rem);letter-spacing:-.05em;margin:0}
