:root {
  --bg:           #FFFFFF;
  --surface:      #FFFFFF;
  --surface-soft: #F5F5F7;
  --surface-tint: #EEF2FE;
  --surface-dark: #0F1115;
  --surface-dark-2:#181B22;

  --text:         #0F1115;
  --text-soft:    rgba(15, 17, 21, 0.65);
  --text-muted:   rgba(15, 17, 21, 0.45);
  --text-on-dark: #FFFFFF;
  --text-on-dark-soft: rgba(255, 255, 255, 0.62);

  --accent:        #2952E3;
  --accent-strong: #1A3FB8;
  --accent-soft:   rgba(41, 82, 227, 0.08);

  --border:        rgba(15, 17, 21, 0.10);
  --border-strong: rgba(15, 17, 21, 0.22);
  --border-dark:   rgba(255, 255, 255, 0.12);

  --star:         #F5A623;

  --radius-card: 6px;
  --radius-pill: 999px;
}

* { box-sizing: border-box; }
html, body {
  margin: 0;
  padding: 0;
  background: var(--bg);
  color: var(--text);
  font-family: 'Rubik', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-size: 16px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; transition: color 0.15s ease; }
a:hover { color: var(--accent-strong); }
button { font-family: inherit; cursor: pointer; }

.container {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 28px;
}

.btn-pill {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 48px;
  padding: 0 24px;
  border-radius: var(--radius-pill);
  font-weight: 600;
  font-size: 15px;
  letter-spacing: 0.005em;
  border: 1px solid transparent;
  transition: background 0.15s ease, color 0.15s ease, border-color 0.15s ease, transform 0.15s ease;
  white-space: nowrap;
}
.btn-pill:hover { transform: translateY(-1px); }
.btn-pill-primary { background: var(--text); color: var(--text-on-dark); }
.btn-pill-primary:hover { background: #1F232E; color: var(--text-on-dark); }
.btn-pill-ghost { background: transparent; color: var(--text); border-color: var(--border-strong); }
.btn-pill-ghost:hover { background: rgba(15,17,21,0.04); color: var(--text); border-color: var(--text); }
.btn-pill-light { background: #fff; color: var(--text); }
.btn-pill-light:hover { color: var(--text); }

.btn-link {
  display: inline-flex; align-items: center;
  height: 48px;
  font-size: 14px; font-weight: 500;
  color: var(--text-soft);
}
.btn-link:hover { color: var(--text); }
.btn-link-light { color: var(--text-on-dark-soft); font-size: 14px; font-weight: 500; align-self: center; }
.btn-link-light:hover { color: var(--text-on-dark); }

.topbar {
  background: var(--surface-dark);
  color: var(--text-on-dark-soft);
  font-size: 12.5px;
}
.topbar-inner {
  display: flex; justify-content: space-between; align-items: center;
  height: 36px;
}
.topbar-text {
  text-transform: uppercase; letter-spacing: 0.16em;
  font-size: 11px; font-weight: 500;
}
.topbar-links { display: flex; gap: 8px; align-items: center; }
.topbar-links a { color: var(--text-on-dark-soft); }
.topbar-links a:hover { color: var(--text-on-dark); }

@media (max-width: 720px) {
  .topbar-text { font-size: 10px; letter-spacing: 0.1em; }
  .topbar-links { display: none; }
}

.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, 0.93);
  backdrop-filter: saturate(180%) blur(10px);
  -webkit-backdrop-filter: saturate(180%) blur(10px);
  border-bottom: 1px solid var(--border);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 32px; height: 72px;
}
.logo { display: inline-flex; align-items: center; gap: 10px; }
.logo:hover { color: var(--text); }
.logo-mark {
  display: inline-flex; align-items: center; justify-content: center;
  width: 36px; height: 36px;
  background: var(--text); color: var(--text-on-dark);
  border-radius: 6px;
  font-size: 17px; font-weight: 700;
}
.logo-text { font-size: 18px; font-weight: 700; letter-spacing: -0.01em; }
.logo-fin { color: var(--accent); margin-left: 4px; font-weight: 400; }

.nav { display: flex; align-items: center; gap: 28px; flex: 1; justify-content: center; }
.nav .nav-mobile-cta { display: none; }
.nav a {
  font-size: 14px; font-weight: 500;
  color: var(--text-soft);
  position: relative; padding: 6px 0;
}
.nav a:hover { color: var(--text); }
.nav a:hover::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 0;
  height: 2px; background: var(--accent);
}

.header-cta { display: flex; align-items: center; gap: 16px; }

.burger {
  display: none;
  width: 42px; height: 42px;
  background: transparent; border: 1px solid var(--border-strong);
  border-radius: 6px;
  flex-direction: column; align-items: center; justify-content: center; gap: 4px;
}
.burger span { display: block; width: 18px; height: 2px; background: var(--text); }

@media (max-width: 1000px) {
  .header-inner { gap: 16px; height: 64px; }
  .nav { display: none; }
  .header-cta .btn-link { display: none; }
  .burger { display: flex; }
  .nav.open {
    display: flex;
    position: absolute; top: 64px; left: 0; right: 0;
    flex-direction: column;
    background: var(--bg);
    padding: 20px 24px 24px;
    gap: 4px;
    border-bottom: 1px solid var(--border);
    align-items: stretch; justify-content: flex-start;
    box-shadow: 0 12px 28px rgba(15,17,21,0.08);
  }
  .nav.open a {
    padding: 14px 4px;
    font-size: 16px;
    font-weight: 600;
    color: var(--text);
    border-bottom: 1px solid var(--border);
  }
  .nav.open a:last-child { border-bottom: 0; }
  .nav.open a:hover::after { display: none; }
  .nav .nav-mobile-cta {
    display: block;
    margin-top: 12px;
    padding: 14px 16px !important;
    background: var(--text);
    color: var(--text-on-dark) !important;
    border-radius: 999px;
    text-align: center;
    font-weight: 600;
    border-bottom: 0 !important;
  }
}

@media (max-width: 720px) {
  .header-cta .btn-pill-ghost { display: none; }
  .header-cta { gap: 8px; }
  .container { padding: 0 20px; }
}

@media (max-width: 420px) {
  .logo-fin { display: none; }
  .logo-text { font-size: 16px; }
  .logo-mark { width: 32px; height: 32px; font-size: 15px; }
  .header-cta .btn-pill { padding: 8px 14px; font-size: 13px; }
  .burger { width: 38px; height: 38px; }
}

.section-title {
  font-size: clamp(28px, 4vw, 44px);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.025em;
  margin: 0 0 12px;
}
.section-sub {
  font-size: 17px;
  color: var(--text-soft);
  margin: 0;
  max-width: 640px;
}
.kicker {
  display: inline-block;
  font-size: 11.5px; letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--accent-strong);
  font-weight: 700;
  margin-bottom: 12px;
}
.ul {
  display: inline;
  background-image: linear-gradient(180deg, transparent 65%, rgba(41, 82, 227, 0.32) 65%, rgba(41, 82, 227, 0.32) 92%, transparent 92%);
  padding: 0 4px;
  white-space: nowrap;
}
.ul-blue { color: var(--accent); }

.hero-bullseye {
  background: var(--bg);
  padding: 88px 0 64px;
  border-bottom: 1px solid var(--border);
  position: relative; overflow: hidden;
}
.hero-bullseye::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(700px 360px at 88% -10%, var(--accent-soft), transparent 70%);
  pointer-events: none;
}
.hero-head {
  text-align: center;
  max-width: 780px;
  margin: 0 auto 64px;
  position: relative;
}
.hero-title {
  font-size: clamp(44px, 7vw, 88px);
  font-weight: 800;
  line-height: 1;
  letter-spacing: -0.035em;
  margin: 0 0 22px;
}
.hero-sub {
  font-size: clamp(17px, 1.6vw, 20px);
  color: var(--text-soft);
  margin: 0 auto 18px;
  max-width: 560px;
}
.hero-meta {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 13px; color: var(--text-muted);
}
.lock-icon { font-size: 13px; }
.hero-meta a { color: var(--text); border-bottom: 1px solid var(--border-strong); padding-bottom: 1px; }

.mega-menu {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: 10px;
  overflow: hidden;
  position: relative;
}
.mm-col {
  background: var(--surface);
  padding: 28px 24px 24px;
  display: flex; flex-direction: column; gap: 4px;
  transition: background 0.15s ease;
}
.mm-col:hover { background: var(--surface-soft); }
.mm-title {
  font-size: 11.5px; letter-spacing: 0.18em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--text);
  margin: 0 0 12px;
  display: inline-flex; align-items: center; gap: 8px;
}
.mm-title i {
  color: var(--accent);
  font-size: 14px;
  width: 18px; text-align: center;
}
.mm-link {
  display: flex; align-items: center; gap: 8px;
  font-size: 14.5px;
  color: var(--text-soft);
  padding: 6px 0;
  font-weight: 500;
  line-height: 1.35;
}
.mm-link:hover { color: var(--accent); }
.mm-tag {
  display: inline-block;
  font-size: 9.5px; letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
  background: var(--surface-tint);
  padding: 3px 8px;
  border-radius: 999px;
  font-weight: 700;
  white-space: nowrap;
  flex-shrink: 0;
}

@media (max-width: 900px) {
  .mega-menu { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 460px) {
  .mega-menu { grid-template-columns: 1fr; }
}

.how { background: var(--surface-soft); padding: 88px 0; border-bottom: 1px solid var(--border); }
.how-head { margin-bottom: 48px; max-width: 720px; }

.how-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-bottom: 48px;
}
.how-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 32px 28px;
}
.how-illo {
  display: block;
  width: 160px;
  height: 160px;
  margin: -8px 0 18px -8px;
}
.how-illo img {
  width: 100%; height: 100%;
  object-fit: cover;
  display: block;
}
.how-num {
  font-size: 11.5px; letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--accent-strong);
  font-weight: 700;
  margin-bottom: 8px;
}
.how-card h3 {
  font-size: 22px; font-weight: 700;
  letter-spacing: -0.02em;
  margin: 0 0 8px;
}
.how-card p {
  color: var(--text-soft); font-size: 15px; line-height: 1.6; margin: 0;
}

.how-banner {
  background: var(--surface-dark);
  color: var(--text-on-dark);
  border-radius: 12px;
  padding: 48px 56px;
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 48px;
  align-items: center;
  position: relative;
  overflow: hidden;
}
.how-banner::after {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(500px 240px at 92% 8%, rgba(41, 82, 227, 0.4), transparent 70%);
  pointer-events: none;
}
.how-banner-l, .how-banner-r { position: relative; }
.how-banner-l h3 {
  font-size: 28px; font-weight: 800;
  line-height: 1.15; letter-spacing: -0.02em;
  margin: 0 0 16px;
}
.how-banner-l p {
  color: var(--text-on-dark-soft);
  font-size: 16px; line-height: 1.6; margin: 0;
}
.big-stat-num {
  font-size: clamp(52px, 8vw, 96px);
  font-weight: 800;
  letter-spacing: -0.04em;
  line-height: 1;
  color: var(--text-on-dark);
  background: linear-gradient(120deg, #FFFFFF, #5378EF);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  margin-bottom: 14px;
}
.big-stat-sub {
  color: var(--text-on-dark-soft);
  font-size: 14px;
  line-height: 1.55;
  max-width: 320px;
}

@media (max-width: 900px) {
  .how-grid { grid-template-columns: 1fr; }
  .how-banner { grid-template-columns: 1fr; padding: 36px 28px; gap: 24px; }
}

.rates { padding: 88px 0; border-bottom: 1px solid var(--border); }
.rates-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 24px;
}
.rate-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 28px 24px;
  display: flex; flex-direction: column; gap: 10px;
  transition: border-color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
}
.rate-card:hover {
  border-color: var(--text);
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(15, 17, 21, 0.06);
}
.rate-cat {
  font-size: 11px; letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--accent-strong);
  font-weight: 700;
}
.rate-line {
  font-size: 13px;
  color: var(--text-muted);
  margin-top: 4px;
}
.rate-num {
  font-size: 56px;
  font-weight: 800;
  line-height: 1;
  letter-spacing: -0.04em;
  margin: 6px 0;
}
.rate-num span {
  font-size: 24px;
  margin-left: 4px;
  color: var(--text-soft);
  font-weight: 600;
  letter-spacing: -0.02em;
}
.rate-meta {
  display: flex; flex-direction: column; gap: 2px;
  font-size: 13px;
  color: var(--text-soft);
}
.rate-cta {
  margin-top: auto;
  padding-top: 14px;
  font-size: 14px; font-weight: 600;
  color: var(--text);
  border-top: 1px solid var(--border);
}
.rate-cta:hover { color: var(--accent); }
.rates-note {
  font-size: 12.5px;
  color: var(--text-muted);
  max-width: 760px;
  line-height: 1.55;
  margin: 16px 0 0;
}

@media (max-width: 1000px) {
  .rates-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 540px) {
  .rates-grid { grid-template-columns: 1fr; }
}

.numbers { background: var(--surface-soft); padding: 88px 0; border-bottom: 1px solid var(--border); }
.numbers-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.num-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 32px 28px;
  display: flex; flex-direction: column; gap: 12px;
}
.num-icon {
  font-size: 28px;
  color: var(--accent);
  margin-bottom: 4px;
}
.num-val {
  font-size: 52px;
  font-weight: 800;
  letter-spacing: -0.04em;
  line-height: 1;
  color: var(--text);
}
.num-val span {
  font-size: 22px;
  color: var(--accent);
  margin-left: 4px;
  font-weight: 700;
  letter-spacing: -0.02em;
}
.num-label {
  color: var(--text-soft);
  font-size: 14px;
  line-height: 1.55;
}

@media (max-width: 1000px) {
  .numbers-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 540px) {
  .numbers-grid { grid-template-columns: 1fr; }
}

.featured-offers { padding: 88px 0; border-bottom: 1px solid var(--border); overflow: hidden; }
.fo-head {
  display: flex; align-items: flex-end; justify-content: space-between;
  flex-wrap: wrap; gap: 16px;
  margin-bottom: 32px;
}
.fo-controls { display: flex; gap: 8px; }
.fo-arrow {
  width: 44px; height: 44px;
  border-radius: 999px;
  border: 1px solid var(--border-strong);
  background: var(--surface);
  color: var(--text);
  font-size: 14px;
  display: inline-flex; align-items: center; justify-content: center;
  transition: background 0.15s ease, color 0.15s ease, border-color 0.15s ease;
}
.fo-arrow:hover {
  background: var(--text);
  color: var(--text-on-dark);
  border-color: var(--text);
}
.fo-arrow:disabled { opacity: 0.35; cursor: default; }
.fo-arrow:disabled:hover { background: var(--surface); color: var(--text); border-color: var(--border-strong); }

.fo-carousel {
  overflow-x: auto;
  scroll-behavior: smooth;
  scroll-snap-type: x mandatory;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
}
.fo-carousel::-webkit-scrollbar { display: none; }
.fo-track {
  display: flex;
  gap: 16px;
  padding: 4px 1px;
}
.fo-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 24px;
  display: flex; flex-direction: column; gap: 10px;
  transition: border-color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
  flex: 0 0 calc((100% - 48px) / 4);
  min-width: 280px;
  scroll-snap-align: start;
}
.fo-card:hover {
  border-color: var(--text);
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(15, 17, 21, 0.06);
}
.fo-tag {
  align-self: flex-start;
  font-size: 10.5px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--accent-strong);
  font-weight: 700;
  background: var(--surface-tint);
  padding: 5px 10px;
  border-radius: 999px;
  display: inline-flex; align-items: center; gap: 6px;
}
.fo-tag i { font-size: 11px; }
.fo-name {
  font-size: 18px;
  font-weight: 700;
  letter-spacing: -0.015em;
  margin: 4px 0 0;
  line-height: 1.25;
}
.fo-rating {
  font-size: 12.5px;
  color: var(--text-muted);
  display: flex;
  align-items: center;
  gap: 6px;
}
.fo-score {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 36px;
  padding: 2px 8px;
  background: var(--text);
  color: var(--text-on-dark);
  border-radius: 4px;
  font-weight: 700;
  font-size: 12px;
  letter-spacing: -0.005em;
}
.fo-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: 13.5px;
  color: var(--text-soft);
  padding: 6px 0;
  border-bottom: 1px dashed var(--border);
}
.fo-row:last-of-type { border-bottom: none; }
.fo-row strong { color: var(--text); font-weight: 600; }
.fo-cta {
  margin-top: 8px;
  width: 100%;
  height: 44px;
  font-size: 14px;
}
.fo-note {
  font-size: 12.5px;
  color: var(--text-muted);
  line-height: 1.55;
  margin: 20px 0 0;
  max-width: 760px;
}
.fo-note a { color: var(--text); border-bottom: 1px solid var(--border-strong); }

@media (max-width: 1000px) {
  .fo-card { flex: 0 0 calc((100% - 32px) / 3); }
}
@media (max-width: 760px) {
  .fo-card { flex: 0 0 calc((100% - 16px) / 2); }
}
@media (max-width: 540px) {
  .fo-card { flex: 0 0 88%; }
}

.insights { padding: 88px 0; border-bottom: 1px solid var(--border); }
.tabs {
  display: flex; gap: 8px;
  margin-bottom: 32px;
  overflow-x: auto;
  padding-bottom: 4px;
}
.tab {
  flex: 0 0 auto;
  background: transparent;
  border: 1px solid var(--border-strong);
  border-radius: 999px;
  padding: 8px 16px;
  font-size: 13px; font-weight: 600;
  color: var(--text-soft);
  white-space: nowrap;
  transition: all 0.15s ease;
}
.tab:hover { color: var(--text); border-color: var(--text); }
.tab.is-active {
  background: var(--text);
  color: var(--text-on-dark);
  border-color: var(--text);
}
.article-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.article-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 8px;
  display: flex; flex-direction: column;
  overflow: hidden;
  transition: border-color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
}
.article-card:hover {
  border-color: var(--text);
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(15, 17, 21, 0.06);
  color: var(--text);
}
.article-thumb {
  display: block;
  aspect-ratio: 1 / 1;
  background: var(--surface-soft);
  overflow: hidden;
  border-bottom: 1px solid var(--border);
}
.article-thumb img {
  width: 100%; height: 100%;
  object-fit: cover;
  display: block;
}
.article-body {
  padding: 20px 22px 22px;
  display: flex; flex-direction: column; gap: 10px;
  flex: 1;
}
.article-cat {
  font-size: 10.5px; letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--accent-strong);
  font-weight: 700;
}
.article-card h3 {
  font-size: 17px; font-weight: 700;
  line-height: 1.3; letter-spacing: -0.015em;
  margin: 0;
}
.article-meta {
  font-size: 12.5px; color: var(--text-muted);
  margin-top: auto; padding-top: 4px;
}

@media (max-width: 1000px) { .article-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 540px)  { .article-grid { grid-template-columns: 1fr; } }

.faq { background: var(--surface-soft); padding: 88px 0; border-bottom: 1px solid var(--border); }
.faq .section-title { margin-bottom: 32px; }
.faq-list { display: flex; flex-direction: column; max-width: 920px; }
.faq-item { border-top: 1px solid var(--border-strong); }
.faq-item:last-child { border-bottom: 1px solid var(--border-strong); }
.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 22px 0;
  font-weight: 700;
  font-size: 19px; letter-spacing: -0.015em;
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-size: 26px; font-weight: 300; color: var(--text-muted);
  line-height: 1;
}
.faq-item[open] summary::after { content: "−"; color: var(--accent); }
.faq-body {
  padding: 0 0 22px;
  color: var(--text-soft);
  font-size: 15px; line-height: 1.7;
  max-width: 760px;
}

.calculators { padding: 88px 0; border-bottom: 1px solid var(--border); }
.calc-head { max-width: 760px; margin-bottom: 40px; }
.calc-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: 10px;
  overflow: hidden;
}
.calc-card {
  background: var(--surface);
  padding: 28px 26px;
  display: flex; flex-direction: column; gap: 8px;
  position: relative;
  transition: background 0.2s ease;
  min-height: 168px;
}
.calc-card:hover {
  background: var(--surface-soft);
  color: var(--text);
}
.calc-card:hover .calc-go {
  background: var(--accent);
  color: var(--text-on-dark);
  border-color: var(--accent);
}
.calc-icon {
  font-size: 26px;
  color: var(--accent);
  margin-bottom: 6px;
}
.calc-card h3 {
  font-size: 18px; font-weight: 700;
  letter-spacing: -0.015em;
  margin: 0;
}
.calc-card p {
  font-size: 13.5px;
  color: var(--text-soft);
  line-height: 1.5;
  margin: 0;
}
.calc-go {
  position: absolute;
  right: 22px; bottom: 22px;
  width: 36px; height: 36px;
  border-radius: 999px;
  border: 1px solid var(--border-strong);
  background: var(--surface);
  color: var(--text);
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 12px;
  transition: background 0.15s ease, color 0.15s ease, border-color 0.15s ease;
}
.calc-card-all { background: var(--surface-tint); }
.calc-card-all:hover { background: var(--surface-tint); }
.calc-card-all .calc-icon { color: var(--accent-strong); }

@media (max-width: 900px) {
  .calc-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 540px) {
  .calc-grid { grid-template-columns: 1fr; }
}

.cta-strip {
  background: var(--surface-dark);
  color: var(--text-on-dark);
  border-top: 1px solid var(--border-dark);
  padding: 64px 0;
}
.cta-strip-inner {
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 28px;
}
.cta-copy h2 {
  font-size: clamp(28px, 3.6vw, 40px);
  font-weight: 800; letter-spacing: -0.025em;
  margin: 0 0 8px;
}
.cta-copy p {
  color: var(--text-on-dark-soft);
  margin: 0; max-width: 560px; font-size: 15px;
}
.cta-actions { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; }

.footer {
  background: var(--surface-soft);
  border-top: 1px solid var(--border);
  padding: 72px 0 0;
}
.footer-top {
  display: grid;
  grid-template-columns: 1.4fr 2.6fr;
  gap: 56px;
  padding-bottom: 56px;
}
.footer-brand .logo { margin-bottom: 18px; }
.footer-disclaimer {
  color: var(--text-soft);
  font-size: 13.5px; line-height: 1.65;
  margin: 0 0 20px;
  max-width: 380px;
}
.footer-address {
  font-size: 13.5px; color: var(--text-soft); line-height: 1.65;
}
.footer-address a { color: var(--text); border-bottom: 1px solid var(--border-strong); }

.footer-cols {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}
.footer-col { display: flex; flex-direction: column; gap: 10px; }
.footer-col h4 {
  font-size: 11.5px; letter-spacing: 0.18em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--text);
  margin: 0 0 8px;
}
.footer-col a, .footer-col span {
  color: var(--text-soft); font-size: 13.5px; line-height: 1.5;
}
.footer-col a:hover { color: var(--text); }

.footer-bottom { border-top: 1px solid var(--border); padding: 20px 0; color: var(--text-muted); font-size: 12.5px; }
.footer-bottom-inner {
  display: flex; gap: 12px; flex-wrap: wrap;
  width: 100%; max-width: 1240px; margin: 0 auto; padding: 0 28px;
}
.footer-bottom .dot { color: var(--border-strong); }

@media (max-width: 900px) {
  .footer-top { grid-template-columns: 1fr; gap: 40px; }
  .footer-cols { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 720px) {
  .hero-bullseye { padding: 56px 0 40px; }
  .how, .rates, .trust, .insights, .faq { padding: 56px 0; }
  .cta-strip { padding: 48px 0; }
  .cta-strip-inner { gap: 20px; }
  .cta-actions { width: 100%; padding-bottom: 8px; }
  .cta-actions .btn-pill { flex: 1; text-align: center; min-width: 140px; }
}
@media (max-width: 480px) {
  .container { padding: 0 20px; }
  .footer-bottom-inner { padding: 0 20px; }
  .hero-title { letter-spacing: -0.025em; }
  .ul::after { height: 4px; bottom: 0; }
  .how-banner-l h3 { font-size: 22px; }
}

.page-hero {
  background: var(--surface-soft);
  padding: 72px 0 56px;
  border-bottom: 1px solid var(--border);
  position: relative; overflow: hidden;
}
.page-hero::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(720px 320px at 88% -10%, var(--accent-soft), transparent 70%);
  pointer-events: none;
}
.ph-inner { position: relative; max-width: 760px; }
.ph-title {
  font-size: clamp(36px, 5vw, 60px);
  font-weight: 800;
  line-height: 1.05;
  letter-spacing: -0.03em;
  margin: 0 0 16px;
}
.ph-sub {
  font-size: 17px;
  color: var(--text-soft);
  margin: 0;
  max-width: 600px;
  line-height: 1.55;
}

.page-body { padding: 64px 0; }
.page-body-inner { max-width: 760px; }
.page-body-inner p { font-size: 16px; color: var(--text); line-height: 1.7; margin: 0 0 16px; }
.page-body-inner p.muted { color: var(--text-muted); }
.muted { color: var(--text-muted); }
.muted.small { font-size: 13px; line-height: 1.6; }

.authors-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}
.author-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 28px 28px 24px;
  display: flex; flex-direction: column; gap: 14px;
  transition: border-color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
}
.author-card:hover {
  border-color: var(--text);
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(15, 17, 21, 0.06);
  color: var(--text);
}
.author-head { display: flex; align-items: center; gap: 16px; }
.author-avatar {
  width: 56px; height: 56px;
  border-radius: 999px;
  background: var(--accent);
  color: var(--text-on-dark);
  display: inline-flex; align-items: center; justify-content: center;
  font-weight: 700;
  font-size: 18px;
  letter-spacing: -0.01em;
  flex: 0 0 auto;
}
.author-avatar.lg { width: 96px; height: 96px; font-size: 32px; }
.author-name { font-size: 18px; font-weight: 700; letter-spacing: -0.015em; }
.author-role { font-size: 13px; color: var(--text-soft); }
.author-bio-short { font-size: 14.5px; line-height: 1.55; color: var(--text-soft); margin: 0; }
.author-topics { display: flex; flex-wrap: wrap; gap: 6px; }
.topic-tag {
  font-size: 10.5px; letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent-strong);
  background: var(--surface-tint);
  padding: 4px 10px;
  border-radius: 999px;
  font-weight: 700;
}

.author-page-inner {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 32px;
  max-width: 800px;
  align-items: start;
}
.author-bio { font-size: 17px; line-height: 1.65; color: var(--text); margin: 0 0 24px; }
.author-meta { display: flex; flex-direction: column; gap: 8px; font-size: 14px; color: var(--text-soft); margin-bottom: 24px; }
.author-meta strong { color: var(--text); font-weight: 600; }

@media (max-width: 720px) {
  .authors-grid { grid-template-columns: 1fr; }
  .author-page-inner { grid-template-columns: 1fr; gap: 24px; }
}

.article-page { padding: 56px 0 96px; }
.article-page .container { max-width: 760px; }
.article-meta-top {
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px; margin-bottom: 28px;
}
.back-link {
  font-size: 14px; font-weight: 600;
  color: var(--text-soft);
  display: inline-flex; align-items: center; gap: 6px;
}
.back-link:hover { color: var(--text); }
.article-cat-tag {
  font-size: 11px; letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--accent-strong);
  font-weight: 700;
}
.article-h1 {
  font-size: clamp(32px, 4vw, 48px);
  font-weight: 800; line-height: 1.08; letter-spacing: -0.03em;
  margin: 0 0 20px;
}
.article-deck {
  font-size: 19px; line-height: 1.55; color: var(--text-soft);
  margin: 0 0 32px;
}
.article-byline {
  display: flex; align-items: center; gap: 12px;
  padding: 16px 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  margin-bottom: 32px;
}
.byline-avatar {
  width: 40px; height: 40px;
  border-radius: 999px;
  background: var(--accent);
  color: var(--text-on-dark);
  display: inline-flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 13px;
  flex: 0 0 auto;
}
.byline-text { font-size: 14px; }
.byline-text a { color: var(--text); font-weight: 600; }
.byline-text a:hover { color: var(--accent-strong); }
.byline-meta { font-size: 12.5px; color: var(--text-muted); margin-top: 2px; }

.article-hero {
  display: block;
  width: 100%;
  max-width: 320px;
  aspect-ratio: 1/1;
  margin: 8px auto 32px;
  background: var(--surface-soft);
  border-radius: 999px;
  overflow: hidden;
}
.article-hero img { width: 100%; height: 100%; object-fit: cover; }

.article-prose h2 {
  font-size: 24px; font-weight: 700;
  letter-spacing: -0.02em;
  margin: 32px 0 12px;
}
.article-prose p {
  font-size: 17px; line-height: 1.7; color: var(--text);
  margin: 0 0 16px;
}
.article-foot {
  margin-top: 40px; padding-top: 24px;
  border-top: 1px solid var(--border);
}

.partner-logo {
  height: 22px;
  max-width: 100px;
  object-fit: contain;
  display: inline-block;
  vertical-align: middle;
  margin-right: 8px;
  filter: grayscale(0%);
  opacity: 0.95;
}
.fo-name-with-logo {
  display: flex; align-items: center; gap: 10px;
  flex-wrap: wrap;
}
.fo-card-logo {
  height: 28px;
  max-width: 120px;
  object-fit: contain;
  display: block;
  margin-bottom: 6px;
}

.cmp-table-wrap, .table-wrap {
  border: 1px solid var(--border-strong);
  background: var(--surface);
  overflow-x: auto;
  border-radius: 6px;
  margin-bottom: 16px;
}
.cmp-table, .compare-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14.5px;
  min-width: 760px;
}
.cmp-table th, .cmp-table td,
.compare-table th, .compare-table td {
  text-align: left;
  padding: 18px 20px;
  border-bottom: 1px solid var(--border);
  vertical-align: top;
}
.cmp-table thead th, .compare-table thead th {
  font-size: 11.5px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--text-muted);
  font-weight: 700;
  background: var(--surface-soft);
  border-bottom: 1px solid var(--border-strong);
}
.cmp-table tbody tr:hover, .compare-table tbody tr:hover { background: var(--bg); }
.cmp-table tbody tr:last-child td, .compare-table tbody tr:last-child td { border-bottom: none; }
.cmp-table td, .compare-table td { color: var(--text); }

.cmp-logo {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px; height: 36px;
  background: var(--surface-soft);
  border-radius: 6px;
  padding: 4px;
  flex: 0 0 auto;
}
.cmp-logo img {
  width: 100%; height: 100%;
  object-fit: contain;
}
img.td-logo {
  width: 36px !important;
  height: 36px !important;
  object-fit: contain;
  background: var(--surface-soft);
  border-radius: 6px;
  padding: 4px;
  display: inline-block;
  vertical-align: middle;
  margin-right: 12px;
  flex: 0 0 auto;
  box-sizing: border-box;
}
.td-lender { display: flex; gap: 12px; align-items: center; }
.td-lender-text { display: flex; flex-direction: column; gap: 4px; }
.td-lender-name, .lender-name {
  font-size: 16px; font-weight: 700;
  letter-spacing: -0.01em;
}
.lender-tag {
  font-size: 10.5px; letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent-strong);
  font-weight: 700;
}
.score {
  display: inline-flex;
  align-items: center; justify-content: center;
  min-width: 44px;
  padding: 5px 10px;
  background: var(--text);
  color: var(--text-on-dark);
  font-weight: 700;
  font-size: 13.5px;
  border-radius: 4px;
  letter-spacing: -0.005em;
}
.td-cta { white-space: nowrap; }
.td-cta .btn-pill { padding: 8px 16px; font-size: 13.5px; }
.table-note {
  font-size: 12.5px;
  color: var(--text-muted);
  line-height: 1.55;
  margin-top: 16px;
  max-width: 840px;
}
.table-note a { color: var(--text); border-bottom: 1px solid var(--border-strong); }

.top-picks { padding: 64px 0; border-bottom: 1px solid var(--border); }

.calc-section { padding: 56px 0; }
.calc-tool {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 32px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 32px;
}
.calc-form { display: flex; flex-direction: column; gap: 28px; }
.cf-row { display: flex; flex-direction: column; gap: 10px; }
.cf-row label {
  font-size: 12px; letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--text-soft);
  font-weight: 700;
}
.cf-input {
  display: flex; align-items: center; gap: 6px;
  border: 1px solid var(--border-strong);
  border-radius: 6px;
  padding: 0 14px;
  background: var(--bg);
}
.cf-input:focus-within {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-soft);
}
.cf-input input {
  flex: 1;
  border: none;
  outline: none;
  background: transparent;
  font-family: inherit;
  font-size: 22px;
  font-weight: 700;
  color: var(--text);
  padding: 12px 0;
  letter-spacing: -0.02em;
}
.cf-prefix, .cf-suffix {
  color: var(--text-muted);
  font-size: 16px;
  font-weight: 600;
}
input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  background: var(--border-strong);
  border-radius: 999px;
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 18px; height: 18px;
  background: var(--text);
  border-radius: 999px;
  cursor: pointer;
  border: 3px solid var(--bg);
  box-shadow: 0 0 0 1px var(--text);
}
input[type="range"]::-moz-range-thumb {
  width: 18px; height: 18px;
  background: var(--text);
  border-radius: 999px;
  cursor: pointer;
  border: 3px solid var(--bg);
}

.calc-result {
  background: var(--surface-dark);
  color: var(--text-on-dark);
  border-radius: 8px;
  padding: 28px;
  display: flex; flex-direction: column;
  align-self: start;
}
.cr-row {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: 12px 0;
  font-size: 14px;
  color: var(--text-on-dark-soft);
}
.cr-row strong { color: var(--text-on-dark); font-weight: 700; font-size: 18px; letter-spacing: -0.01em; }
.cr-row.big { padding: 14px 0 8px; }
.cr-row.big .cr-label { font-size: 12px; letter-spacing: 0.18em; text-transform: uppercase; color: #5378EF; font-weight: 700; }
.cr-row.big .cr-val { font-size: 32px; }
.cr-divider { border-top: 1px solid var(--border-dark); margin: 8px 0; }
.calc-result .muted { color: var(--text-on-dark-soft); }

@media (max-width: 900px) {
  .calc-tool { grid-template-columns: 1fr; padding: 24px; }
}

.legal-prose h2 { font-size: 18px; font-weight: 700; letter-spacing: -0.015em; margin: 28px 0 8px; }
.legal-prose p { font-size: 15px; line-height: 1.7; color: var(--text); margin: 0 0 12px; }
.legal-prose a { color: var(--text); border-bottom: 1px solid var(--border-strong); }
.legal-prose ul, .legal-prose ol { font-size: 15px; line-height: 1.7; color: var(--text); padding-left: 24px; }
.legal-prose li { margin-bottom: 6px; }

.page-body-inner h2 { font-size: 22px; font-weight: 700; letter-spacing: -0.02em; margin: 32px 0 10px; }
.page-body-inner h2:first-child { margin-top: 0; }
.page-body-inner ul, .page-body-inner ol { font-size: 16px; line-height: 1.7; color: var(--text); padding-left: 24px; margin: 0 0 16px; }
.page-body-inner li { margin-bottom: 8px; }
.page-body-inner a { color: var(--text); border-bottom: 1px solid var(--border-strong); }
.page-body-inner a:hover { color: var(--accent-strong); border-bottom-color: var(--accent-strong); }

.article-inline {
  display: block;
  padding: 0;
  margin: 0;
}
.article-inline .article-meta-top {
  margin-bottom: 16px;
  padding-top: 0;
}
.article-h2-big {
  font-size: clamp(26px, 3.4vw, 36px);
  font-weight: 800;
  letter-spacing: -0.025em;
  line-height: 1.15;
  margin: 0 0 14px;
}
.article-inline .article-deck {
  font-size: 17px;
  margin-bottom: 24px;
}
.article-inline .article-byline {
  margin-bottom: 28px;
}
.article-inline .article-prose h2 {
  font-size: 22px;
  font-weight: 700;
  letter-spacing: -0.02em;
  margin: 28px 0 10px;
}
.article-inline .article-prose p {
  font-size: 16px;
  line-height: 1.7;
  margin: 0 0 14px;
}

.cmp-table .th-cta {
  width: 80px;
  text-align: right;
}

section.cmp {
  padding: 64px 0;
  border-bottom: 1px solid var(--border);
}
.cmp .container > .fo-head,
.cmp .container > .how-head,
.cmp .container > .section-head { margin-bottom: 32px; }

.author-content {
  max-width: 640px;
}
.author-content > * + * { margin-top: 12px; }

.gloss-nav {
  display: flex; flex-wrap: wrap; gap: 6px;
  margin: 8px 0 32px;
}
.gloss-nav a {
  display: inline-flex; align-items: center; justify-content: center;
  min-width: 32px; height: 32px;
  border: 1px solid var(--border-strong);
  border-radius: 6px;
  font-size: 13px; font-weight: 700;
  color: var(--text-soft);
  padding: 0 8px;
}
.gloss-nav a:hover {
  background: var(--text);
  color: var(--text-on-dark);
  border-color: var(--text);
}
.glossary-section {
  padding-top: 24px;
  border-top: 1px solid var(--border);
  margin-top: 24px;
}
.glossary-section h2 {
  font-size: 32px; font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--accent);
  margin: 0 0 16px;
}
.glossary-section dl { margin: 0; }
.glossary-section dt {
  font-weight: 700; font-size: 16px;
  color: var(--text);
  margin-top: 16px;
  letter-spacing: -0.01em;
}
.glossary-section dd {
  margin: 4px 0 0;
  font-size: 15px; line-height: 1.6;
  color: var(--text-soft);
}
.gloss-foot {
  margin-top: 40px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
  font-size: 13.5px;
  color: var(--text-muted);
}

.big-stat { display: flex; flex-direction: column; }

.review-hero {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 28px;
  align-items: center;
  background: var(--surface-soft);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 28px 32px;
  margin-bottom: 24px;
}
.review-hero-logo {
  width: 80px; height: 80px;
  background: var(--surface);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  padding: 12px;
  border: 1px solid var(--border);
  flex: 0 0 auto;
}
.review-hero-logo img { max-width: 100%; max-height: 100%; object-fit: contain; }
.review-hero-text h1 {
  font-size: clamp(28px, 3.6vw, 40px);
  font-weight: 800;
  letter-spacing: -0.025em;
  line-height: 1.1;
  margin: 0 0 8px;
}
.review-hero-text .article-deck {
  margin: 0 0 16px;
  font-size: 17px;
}
.review-hero-stats {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 10px;
  font-size: 13px;
  color: var(--text-soft);
}
.review-hero-stats div { display: flex; flex-direction: column; gap: 2px; }
.review-hero-stats strong {
  color: var(--text);
  font-weight: 700;
  font-size: 18px;
  letter-spacing: -0.01em;
}

.review-pros-cons {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin: 24px 0 32px;
}
.review-pros-cons .pros, .review-pros-cons .cons {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 24px;
}
.review-pros-cons h3 {
  display: flex; align-items: center; gap: 8px;
  font-size: 14px;
  margin: 0 0 12px;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-weight: 700;
}
.review-pros-cons .pros h3 { color: #0DB244; }
.review-pros-cons .cons h3 { color: var(--alert); }
.review-pros-cons ul {
  margin: 0;
  padding-left: 20px;
  font-size: 14.5px;
  line-height: 1.55;
  color: var(--text);
}
.review-pros-cons li { margin-bottom: 8px; }

.review-cta-row {
  display: flex; gap: 12px; flex-wrap: wrap;
  margin: 32px 0 24px;
}

@media (max-width: 720px) {
  .review-hero {
    grid-template-columns: 1fr;
    text-align: center;
    padding: 24px;
  }
  .review-hero-logo { margin: 0 auto; }
  .review-hero-stats { text-align: left; }
  .review-pros-cons { grid-template-columns: 1fr; }
}

.review-section {
  padding: 64px 0;
  border-bottom: 1px solid var(--border);
}
.review-section:nth-child(odd of .review-section) { background: var(--surface-soft); }
.rev-section-head { margin-bottom: 32px; }
.review-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 12px;
}
.review-card {
  display: flex;
  align-items: center;
  gap: 16px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 16px 18px;
  transition: border-color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
}
.review-card:hover {
  border-color: var(--text);
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(15, 17, 21, 0.06);
  color: var(--text);
}
.rev-logo {
  width: 44px; height: 44px;
  background: var(--surface-soft);
  border-radius: 8px;
  padding: 6px;
  display: flex; align-items: center; justify-content: center;
  flex: 0 0 auto;
}
.rev-logo img { max-width: 100%; max-height: 100%; object-fit: contain; }
.rev-card-body { flex: 1; min-width: 0; }
.rev-tag {
  font-size: 10.5px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent-strong);
  font-weight: 700;
  margin-bottom: 2px;
}
.rev-name {
  font-size: 16px;
  font-weight: 700;
  letter-spacing: -0.015em;
  line-height: 1.2;
  margin-bottom: 4px;
}
.rev-meta {
  display: flex; align-items: center; gap: 8px;
  font-size: 12.5px;
  color: var(--text-soft);
}
.rev-arrow {
  width: 28px; height: 28px;
  border-radius: 999px;
  background: var(--surface-soft);
  color: var(--text-soft);
  display: flex; align-items: center; justify-content: center;
  font-size: 11px;
  flex: 0 0 auto;
  transition: background 0.15s ease, color 0.15s ease;
}
.review-card:hover .rev-arrow {
  background: var(--accent);
  color: var(--text-on-dark);
}

.category-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: 10px;
  overflow: hidden;
}
.cat-card {
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding: 28px 26px 26px;
  background: var(--surface);
  transition: background 0.2s ease;
  position: relative;
  text-decoration: none;
  color: inherit;
}
.cat-card:hover {
  background: var(--surface-soft);
  color: var(--text);
}
.cat-card:hover .cat-link {
  color: var(--accent-strong);
}
.cat-num {
  font-size: 12px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--accent-strong);
  margin-bottom: 4px;
}
.cat-card h3 {
  font-size: 22px;
  font-weight: 700;
  letter-spacing: -0.015em;
  line-height: 1.2;
  margin: 0;
}
.cat-card p {
  color: var(--text-soft);
  font-size: 14.5px;
  line-height: 1.55;
  margin: 0;
}
.cat-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  font-size: 12.5px;
  color: var(--text-muted);
  margin-top: auto;
  padding-top: 14px;
  border-top: 1px dashed var(--border);
  font-weight: 500;
}
.cat-link {
  margin-top: 12px;
  font-weight: 600;
  font-size: 14px;
  color: var(--text);
  letter-spacing: 0.005em;
}

@media (max-width: 720px) {
  .category-grid { grid-template-columns: 1fr; }
}

main.page { display: block; }

section.categories {
  padding: 64px 0;
  border-bottom: 1px solid var(--border);
}
section.categories .how-head,
section.categories .section-head { margin-bottom: 32px; }

.link-arrow {
  font-size: 14px;
  font-weight: 600;
  color: var(--text);
  border-bottom: 1px solid var(--border-strong);
  padding-bottom: 2px;
  white-space: nowrap;
  display: inline-block;
}
.link-arrow:hover {
  color: var(--accent-strong);
  border-bottom-color: var(--accent-strong);
}

.section-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 32px;
}
.section-head .section-title { margin: 0; }

.cf-section { padding: 56px 0; }
.cf-container { max-width: 920px; }
.cf-form {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 32px;
  display: grid;
  gap: 28px;
  box-shadow: 0 4px 24px rgba(15,17,21,0.04);
}
.cf-step { border: 0; padding: 0; margin: 0; min-width: 0; }
.cf-step[hidden] { display: none; }
.cf-legend {
  font-size: 18px;
  font-weight: 700;
  letter-spacing: -0.01em;
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 16px;
  color: var(--text);
}
.cf-step-num {
  display: inline-flex;
  width: 28px; height: 28px;
  align-items: center; justify-content: center;
  border-radius: 50%;
  background: var(--accent);
  color: #fff;
  font-size: 14px;
  font-weight: 700;
}

.cf-tiles {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 12px;
}
.cf-tile {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding: 20px;
  border: 1px solid var(--border);
  border-radius: 14px;
  cursor: pointer;
  transition: border-color .15s, background .15s, box-shadow .15s;
}
.cf-tile:hover { border-color: var(--text); }
.cf-tile input { position: absolute; opacity: 0; pointer-events: none; }
.cf-tile i { font-size: 22px; color: var(--accent); margin-bottom: 4px; }
.cf-tile strong { font-size: 16px; font-weight: 700; color: var(--text); }
.cf-tile span { font-size: 13px; color: var(--text-muted); line-height: 1.4; }
.cf-tile:has(input:checked) {
  border-color: var(--accent);
  background: var(--surface-tint);
  box-shadow: 0 0 0 3px rgba(41,82,227,0.12);
}

.cf-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.cf-pill {
  position: relative;
  display: inline-block;
  cursor: pointer;
}
.cf-pill input { position: absolute; opacity: 0; pointer-events: none; }
.cf-pill span {
  display: inline-block;
  padding: 10px 18px;
  border: 1px solid var(--border);
  border-radius: 999px;
  font-size: 14px;
  font-weight: 500;
  color: var(--text);
  transition: all .15s;
}
.cf-pill:hover span { border-color: var(--text); }
.cf-pill:has(input:checked) span {
  background: var(--text);
  color: var(--text-on-dark);
  border-color: var(--text);
}

.cf-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 16px;
}
.cf-field { display: flex; flex-direction: column; gap: 6px; }
.cf-label {
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
  letter-spacing: -0.005em;
}
.cf-opt { font-weight: 400; color: var(--text-muted); }
.cf-help { font-size: 12px; color: var(--text-muted); }
.cf-form input[type="text"],
.cf-form input[type="number"],
.cf-form select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: 10px;
  font-size: 15px;
  font-family: inherit;
  background: #fff;
  color: var(--text);
  transition: border-color .15s, box-shadow .15s;
}
.cf-form input:focus,
.cf-form select:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(41,82,227,0.15);
}

.cf-submit-row {
  display: flex;
  flex-direction: column;
  gap: 12px;
  align-items: flex-start;
  padding-top: 4px;
}
.cf-submit { font-size: 15px; padding: 14px 24px; }
.cf-submit i { margin-right: 6px; }
.cf-fineprint {
  font-size: 12px;
  color: var(--text-muted);
  line-height: 1.5;
  margin: 0;
  max-width: 540px;
}

.cf-results {
  margin-top: 40px;
  padding-top: 32px;
  border-top: 1px solid var(--border);
}
.cf-results-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 24px;
}
.cf-results-head .section-title { margin: 0; }
.cf-results-count { font-size: 14px; font-weight: 500; color: var(--text-muted); margin-left: 6px; }
.cf-results-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 12px;
}
.cf-empty {
  padding: 32px;
  background: var(--surface-soft);
  border-radius: 12px;
  text-align: center;
  color: var(--text-muted);
  font-size: 14px;
}
.cf-disclaimer {
  font-size: 12px;
  color: var(--text-muted);
  line-height: 1.5;
  margin: 24px 0 0;
}

.cf-result {
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 20px;
  background: #fff;
  display: grid;
  gap: 14px;
  transition: border-color .15s, box-shadow .15s;
}
.cf-result:hover { border-color: var(--text); box-shadow: 0 4px 16px rgba(15,17,21,0.05); }
.cf-result-top {
  display: flex;
  align-items: center;
  gap: 16px;
}
.cf-result-logo {
  width: 56px; height: 56px;
  border: 1px solid var(--border);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  background: #fff;
  flex-shrink: 0;
  overflow: hidden;
}
.cf-result-logo img { max-width: 80%; max-height: 80%; object-fit: contain; }
.cf-result-head { flex: 1; min-width: 0; }
.cf-result-name {
  font-size: 17px;
  font-weight: 700;
  color: var(--text);
  letter-spacing: -0.01em;
}
.cf-result-score {
  font-size: 13px;
  color: var(--text-muted);
  margin-top: 2px;
}
.cf-result-score .score {
  display: inline-block;
  background: var(--text);
  color: var(--text-on-dark);
  padding: 2px 8px;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 700;
  margin-right: 6px;
}
.cf-result-deck {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.55;
  margin: 0;
}
.cf-result-stats {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(120px, 1fr));
  gap: 12px;
  padding: 14px;
  background: var(--surface-soft);
  border-radius: 10px;
  font-size: 13px;
}
.cf-result-stats div { display: flex; flex-direction: column; gap: 2px; color: var(--text-muted); }
.cf-result-stats strong { font-size: 15px; font-weight: 700; color: var(--text); letter-spacing: -0.01em; }
.cf-result-cta {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.cf-result-cta .btn-pill { padding: 10px 18px; font-size: 14px; }

.cf-trust {
  padding: 56px 0 80px;
  background: var(--surface-soft);
  border-top: 1px solid var(--border);
}
.cf-trust-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 16px;
}
.cf-trust-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 24px;
}
.cf-trust-card i {
  font-size: 22px;
  color: var(--accent);
  margin-bottom: 12px;
  display: inline-block;
}
.cf-trust-card h3 {
  font-size: 16px;
  font-weight: 700;
  margin: 0 0 8px;
  color: var(--text);
}
.cf-trust-card p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.55;
  margin: 0;
}
.cf-trust-card a { color: var(--text); border-bottom: 1px solid var(--border-strong); }
.cf-trust-card a:hover { color: var(--accent-strong); border-bottom-color: var(--accent-strong); }

@media (max-width: 720px) {
  .cf-form { padding: 20px; }
  .cf-tiles { grid-template-columns: 1fr; }
  .cf-grid { grid-template-columns: 1fr; }
  .cf-result-top { flex-direction: row; }
}