:root {
  --blue: #4060a8;
  --navy: #204088;
  --ink: #0f172a;
  --muted: #64748b;
  --line: #e5e7eb;
  --bg: #f4f6fb;
  --card: #ffffff;
  --ok: #0f766e;
  --shadow: 0 18px 50px rgba(32, 64, 136, .12);
  --radius: 20px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
html, body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: Outfit, system-ui, sans-serif;
  -webkit-font-smoothing: antialiased;
}
body { padding-bottom: env(safe-area-inset-bottom); }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; height: auto; display: block; }
button, input, textarea { font: inherit; }
.wrap {
  width: min(1160px, calc(100% - 32px));
  margin: 0 auto;
}

.top {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.86);
  backdrop-filter: blur(16px) saturate(140%);
  border-bottom: 1px solid rgba(229,231,235,.9);
}
.nav {
  display: grid;
  grid-template-columns: auto 1fr auto;
  grid-template-areas: "brand links cta";
  gap: 16px;
  align-items: center;
  padding: 12px 0;
  min-height: 64px;
}
.brand { grid-area: brand; }
.nav-links { grid-area: links; }
.nav-cta { grid-area: cta; }
.menu-btn { grid-area: menu; }
.brand {
  display: flex; align-items: center; gap: 10px;
  font-weight: 800; letter-spacing: -.03em; white-space: nowrap;
}
.brand img { width: 36px; height: 36px; border-radius: 10px; }
.brand small { color: var(--blue); font-weight: 700; }
.nav-links { display: flex; gap: 6px; justify-content: center; flex-wrap: wrap; }
.nav-links a {
  color: var(--muted); font-size: 14px; font-weight: 600;
  padding: 8px 12px; border-radius: 999px; transition: background .2s, color .2s;
}
.nav-links a:hover { color: var(--navy); background: #eef3ff; }
.nav-cta { display: flex; gap: 8px; align-items: center; }
.menu-btn {
  display: none;
  width: 42px; height: 42px; border: 1px solid var(--line); border-radius: 12px;
  background: #fff; cursor: pointer; align-items: center; justify-content: center; gap: 5px;
  flex-direction: column;
}
.menu-btn span {
  display: block; width: 16px; height: 2px; background: var(--navy); border-radius: 2px;
  transition: transform .25s ease, opacity .2s;
}
body.nav-open .menu-btn span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
body.nav-open .menu-btn span:nth-child(2) { opacity: 0; }
body.nav-open .menu-btn span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.btn {
  border: 0; border-radius: 12px; padding: 11px 16px;
  font-weight: 700; cursor: pointer;
  display: inline-flex; align-items: center; justify-content: center;
  min-height: 44px; white-space: nowrap;
  transition: transform .2s ease, box-shadow .2s ease, background .2s;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn-gold, .btn-blue {
  background: linear-gradient(135deg, var(--blue), var(--navy));
  color: #fff;
  box-shadow: 0 10px 24px rgba(32,64,136,.22);
  position: relative; overflow: hidden;
}
.btn-gold::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(110deg, transparent 20%, rgba(255,255,255,.28) 45%, transparent 70%);
  transform: translateX(-120%);
  animation: shine 3.6s ease-in-out infinite;
}
@keyframes shine {
  0%, 55% { transform: translateX(-120%); }
  80%, 100% { transform: translateX(120%); }
}
.btn-ghost {
  background: #fff; color: var(--navy); border: 1px solid var(--line);
}

.hero-shell {
  position: relative;
  overflow: hidden;
  padding: 12px 0 8px;
}
.hero-shell::before {
  content: "";
  position: absolute; inset: -20% -10% auto;
  height: 420px;
  background:
    radial-gradient(circle at 15% 20%, rgba(147,180,255,.55), transparent 42%),
    radial-gradient(circle at 85% 10%, rgba(199,215,255,.7), transparent 38%),
    radial-gradient(circle at 50% 90%, rgba(64,96,168,.12), transparent 46%);
  pointer-events: none;
  animation: mesh 12s ease-in-out infinite alternate;
}
@keyframes mesh {
  from { transform: translate3d(0,0,0) scale(1); }
  to { transform: translate3d(-2%, 3%, 0) scale(1.06); }
}
.hero {
  position: relative;
  padding: clamp(28px, 6vw, 64px) 0 clamp(20px, 4vw, 36px);
  display: grid;
  gap: clamp(24px, 4vw, 48px);
  grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr);
  align-items: center;
}
.orb {
  position: absolute; border-radius: 50%; filter: blur(42px); opacity: .5; pointer-events: none;
  animation: float 9s ease-in-out infinite;
}
.orb.a { width: 220px; height: 220px; background: #93b4ff; top: -40px; left: -40px; }
.orb.b { width: 180px; height: 180px; background: #c7d7ff; bottom: 10px; right: 6%; animation-delay: -3s; }
.orb.c { width: 140px; height: 140px; background: #4060a8; opacity: .18; top: 40%; left: 42%; animation-delay: -5s; }
@keyframes float {
  0%, 100% { transform: translateY(0) translateX(0); }
  50% { transform: translateY(22px) translateX(10px); }
}
.kicker {
  display: inline-flex; align-items: center; gap: 8px;
  color: var(--blue); font-size: 12px; font-weight: 800;
  letter-spacing: .12em; text-transform: uppercase;
  background: rgba(255,255,255,.7); border: 1px solid #dbe4fb;
  padding: 6px 12px; border-radius: 999px;
}
.kicker i {
  width: 8px; height: 8px; border-radius: 50%; background: var(--blue);
  animation: pulse 1.8s ease infinite;
}
@keyframes pulse { 50% { opacity: .35; transform: scale(1.35); } }
.hero h1 {
  font-size: clamp(30px, 5.4vw, 56px);
  line-height: 1.06; margin: 14px 0 14px; letter-spacing: -.045em;
}
.hero .lede {
  color: var(--muted); font-size: clamp(15px, 1.6vw, 18px);
  max-width: 540px; margin: 0 0 22px; line-height: 1.6;
}
.hero-actions { display: flex; gap: 10px; flex-wrap: wrap; }
.trust { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 22px; }
.trust span {
  display: inline-flex; align-items: center; gap: 6px;
  color: var(--muted); font-size: 12px; font-weight: 650;
  background: #fff; border: 1px solid var(--line); border-radius: 999px;
  padding: 7px 11px;
  animation: rise .7s ease both;
}
.trust span:nth-child(2) { animation-delay: .12s; }
.trust span:nth-child(3) { animation-delay: .22s; }
.trust span::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--blue); flex-shrink: 0; }

.mock {
  background: rgba(255,255,255,.82);
  border: 1px solid rgba(229,231,235,.9);
  border-radius: 24px; padding: 18px;
  box-shadow: var(--shadow);
  backdrop-filter: blur(12px);
  animation: floatCard 6.5s ease-in-out infinite;
}
@keyframes floatCard {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}
.mock .row { display: flex; justify-content: space-between; align-items: center; margin-bottom: 14px; gap: 10px; }
.mock .pill {
  background: #eef3ff; color: var(--navy); border-radius: 99px;
  padding: 4px 10px; font-size: 11px; font-weight: 700; white-space: nowrap;
}
.stats { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; }
.stat {
  background: var(--bg); border-radius: 14px; padding: 12px;
  transform: translateY(8px); opacity: 0; animation: rise .6s ease forwards;
}
.stat:nth-child(1) { animation-delay: .15s; }
.stat:nth-child(2) { animation-delay: .28s; }
.stat:nth-child(3) { animation-delay: .4s; }
.stat span { display: block; color: var(--muted); font-size: 12px; }
.stat b { font-size: clamp(20px, 3vw, 26px); }
.bars { margin-top: 16px; }
.bar-row {
  display: grid; grid-template-columns: 64px minmax(0, 1fr) 40px;
  gap: 8px; align-items: center; font-size: 12px; color: var(--muted); margin: 8px 0;
}
.bar { height: 8px; background: #e8eefc; border-radius: 99px; overflow: hidden; }
.bar i {
  display: block; height: 100%; width: 0;
  background: linear-gradient(90deg, var(--blue), var(--navy));
  border-radius: 99px; animation: fill 1.4s ease forwards;
}
.bar i.w78 { --w: 78%; animation-delay: .25s; }
.bar i.w54 { --w: 54%; animation-delay: .45s; }
.bar i.w41 { --w: 41%; animation-delay: .65s; }
@keyframes fill { to { width: var(--w); } }
.note { color: var(--muted); font-size: 12px; margin: 12px 0 0; line-height: 1.45; }

.section { padding: clamp(28px, 5vw, 56px) 0 8px; }
.section h2 { font-size: clamp(24px, 3.4vw, 34px); letter-spacing: -.03em; margin: 0 0 8px; }
.section .sub { color: var(--muted); margin: 0 0 22px; max-width: 640px; line-height: 1.55; }
.grid { display: grid; gap: 14px; grid-template-columns: repeat(auto-fit, minmax(min(100%, 220px), 1fr)); }
.card {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s;
}
.card:hover {
  border-color: #c9d6f5;
  box-shadow: 0 16px 32px rgba(32,64,136,.1);
  transform: translateY(-4px);
}
.card h3 { margin: 0 0 8px; font-size: 17px; }
.step-n {
  width: 34px; height: 34px; border-radius: 10px; display: grid; place-items: center;
  background: #eef3ff; color: var(--navy); font-weight: 800; margin-bottom: 10px;
}
.muted { color: var(--muted); font-size: 14px; line-height: 1.55; }

.reveal {
  opacity: 0; transform: translateY(22px);
  animation: none;
}
.reveal.in { animation: rise .7s ease both; }
.delay-1 { animation-delay: .08s; }
.delay-2 { animation-delay: .16s; }
.delay-3 { animation-delay: .24s; }

.rules { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.rules ul { margin: 8px 0 0; padding-left: 18px; color: var(--muted); }
.rules li { margin: 8px 0; }

details.faq {
  background: #fff; border: 1px solid var(--line); border-radius: 16px;
  padding: 4px 16px; margin: 8px 0;
  transition: border-color .2s, box-shadow .2s;
}
details.faq[open] { border-color: #c9d6f5; box-shadow: 0 10px 24px rgba(32,64,136,.08); }
details.faq summary {
  cursor: pointer; font-weight: 700; padding: 14px 0; list-style: none;
  display: flex; justify-content: space-between; gap: 12px; align-items: center;
}
details.faq summary::-webkit-details-marker { display: none; }
details.faq summary::after {
  content: "+"; color: var(--blue); font-size: 20px; font-weight: 500; transition: transform .2s;
}
details.faq[open] summary::after { transform: rotate(45deg); }
details.faq p { color: var(--muted); margin: 0 0 14px; }

.cta {
  position: relative; overflow: hidden;
  margin: 36px 0 12px; border-radius: 24px; padding: clamp(28px, 5vw, 48px) 24px;
  color: #fff; text-align: center;
  background: linear-gradient(135deg, var(--blue), var(--navy));
  box-shadow: 0 24px 40px rgba(32,64,136,.25);
}
.cta::before {
  content: ""; position: absolute; width: 220px; height: 220px; border-radius: 50%;
  background: rgba(255,255,255,.12); top: -80px; right: -40px;
  animation: float 8s ease-in-out infinite;
}
.cta h2, .cta p, .cta .btn { position: relative; }
.cta p { opacity: .92; }
.cta .btn-ghost { color: var(--navy); }

.table-scroll { width: 100%; overflow-x: auto; -webkit-overflow-scrolling: touch; border-radius: 18px; }
.compare {
  width: 100%; min-width: 560px; border-collapse: collapse;
  background: #fff; border-radius: 18px; overflow: hidden; border: 1px solid var(--line);
}
.compare th, .compare td { text-align: left; padding: 14px 16px; border-bottom: 1px solid var(--line); font-size: 14px; }
.compare th { background: #eef3ff; color: var(--navy); font-size: 13px; }
.compare td:first-child { font-weight: 700; }
.page { padding: 36px 0 12px; }
.page h1 { font-size: clamp(28px, 4vw, 40px); letter-spacing: -.03em; margin: 0 0 10px; }
.form-card {
  max-width: 440px; width: min(440px, 100%);
  margin: 28px auto 48px;
  background: #fff; border: 1px solid var(--line); border-radius: 22px; padding: 24px;
  box-shadow: var(--shadow);
}

footer {
  border-top: 1px solid var(--line); margin-top: 48px; padding: 28px 0 40px;
  color: var(--muted); font-size: 13px;
}
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 20px; }
footer a { font-weight: 600; }

label { display: block; margin: 10px 0 4px; font-size: 13px; font-weight: 600; }
input, textarea {
  width: 100%; background: #fff; color: var(--ink); border: 1px solid var(--line);
  border-radius: 12px; padding: 12px; font: inherit; min-height: 44px;
}
.dash { display: grid; grid-template-columns: 220px minmax(0, 1fr); gap: 20px; padding: 20px 0; }
.side { display: flex; flex-direction: column; gap: 2px; }
.side a { display: block; padding: 9px 10px; color: var(--muted); border-radius: 10px; font-weight: 600; }
.side a.active, .side a:hover { background: #eef3ff; color: var(--navy); }
.table { width: 100%; border-collapse: collapse; }
.table td, .table th { padding: 10px; border-bottom: 1px solid var(--line); text-align: left; font-size: 14px; }
.err { color: #b91c1c; }
.rise { animation: rise .7s ease both; }
@keyframes rise {
  from { opacity: 0; transform: translateY(18px); }
  to { opacity: 1; transform: none; }
}

@media (max-width: 980px) {
  .nav {
    grid-template-columns: 1fr auto;
    grid-template-areas:
      "brand menu"
      "links links"
      "cta cta";
  }
  .menu-btn { display: inline-flex; }
  .nav-links, .nav-cta { display: none; }
  body.nav-open .nav-links,
  body.nav-open .nav-cta {
    display: flex;
    flex-direction: column;
    align-items: stretch;
  }
  body.nav-open .nav-links a,
  body.nav-open .nav-cta .btn { width: 100%; justify-content: center; }
}

@media (max-width: 860px) {
  .hero, .rules, .footer-grid, .dash { grid-template-columns: 1fr; }
  .stats { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .hero { padding-top: 24px; }
  .mock { animation: none; }
}

@media (max-width: 560px) {
  .wrap { width: min(1160px, calc(100% - 20px)); }
  .stats { grid-template-columns: 1fr; }
  .bar-row { grid-template-columns: 56px minmax(0, 1fr) 36px; }
  .hero-actions .btn, .cta .btn { width: 100%; }
  .form-card { padding: 18px; }
  .table { display: block; overflow-x: auto; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation: none !important;
    transition: none !important;
  }
  .reveal { opacity: 1; transform: none; }
}