:root {
  --navy-950: #06162f;
  --navy-900: #0a234b;
  --navy-800: #123465;
  --cyan-600: #087f9c;
  --cyan-500: #0aaed0;
  --cyan-100: #ddf7fb;
  --ink: #10213c;
  --muted: #64748b;
  --line: #dbe6f0;
  --soft: #f6f9fc;
  --white: #ffffff;
  --danger: #b42318;
  --shadow: 0 24px 80px rgba(10, 35, 75, .12);
  --radius: 24px;
  --container: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  text-rendering: optimizeLegibility;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
button, input, select, textarea { font: inherit; }
:focus-visible { outline: 3px solid var(--cyan-500); outline-offset: 3px; }

.container { width: min(calc(100% - 40px), var(--container)); margin: 0 auto; }
.skip-link { position: absolute; left: -9999px; top: 8px; background: #fff; color: #000; padding: 8px 12px; z-index: 9999; }
.skip-link:focus { left: 8px; }
.sr-only { position:absolute !important; width:1px !important; height:1px !important; padding:0 !important; margin:-1px !important; overflow:hidden !important; clip:rect(0,0,0,0) !important; white-space:nowrap !important; border:0 !important; }

.site-header {
  position: sticky; top: 0; z-index: 1000;
  background: rgba(255,255,255,.88);
  backdrop-filter: blur(18px);
  border-bottom: 1px solid rgba(219,230,240,.7);
}
.nav-wrap { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 10px; font-weight: 800; letter-spacing: -.03em; font-size: 1.35rem; color: var(--navy-900); }
.brand img { width: 42px; height: 42px; object-fit: contain; }
.brand span span { color: var(--cyan-600); }
.site-nav { display: flex; align-items: center; gap: 24px; font-size: .96rem; }
.site-nav > a:not(.btn) { color: #334155; }
.site-nav > a:not(.btn):hover { color: var(--cyan-600); }
.nav-toggle { display: none; border: 0; border-radius: 8px; background: transparent; font-size: 1.65rem; color: var(--navy-900); cursor: pointer; }
.lang-toggle { border: 1px solid var(--line); border-radius: 999px; background: #fff; padding: 7px 10px; cursor: pointer; font-weight: 700; color: var(--navy-900); }

.btn { display: inline-flex; align-items: center; justify-content: center; border-radius: 999px; padding: 14px 22px; font-weight: 750; transition: .2s ease; border: 1px solid transparent; cursor: pointer; }
.btn:hover { transform: translateY(-1px); }
.btn-sm { padding: 10px 16px; }
.btn-primary { color: #fff; background: linear-gradient(135deg, var(--navy-900), var(--cyan-600)); box-shadow: 0 12px 26px rgba(10,174,208,.2); }
.btn-primary:hover { box-shadow: 0 16px 34px rgba(10,174,208,.26); }
.btn-ghost { border-color: var(--line); background: #fff; }
.btn-white { background: #fff; color: var(--navy-900); }

.hero { min-height: 720px; display: grid; align-items: center; position: relative; overflow: hidden; background:
  radial-gradient(circle at 78% 25%, rgba(22,189,219,.13), transparent 28%),
  radial-gradient(circle at 18% 80%, rgba(10,35,75,.06), transparent 30%), #fff; }
.hero::before { content:""; position:absolute; inset:0; background-image: linear-gradient(rgba(10,35,75,.035) 1px, transparent 1px), linear-gradient(90deg, rgba(10,35,75,.035) 1px, transparent 1px); background-size: 40px 40px; mask-image: linear-gradient(to bottom, rgba(0,0,0,.6), transparent 75%); }
.hero-grid { position: relative; display: grid; grid-template-columns: 1.05fr .95fr; gap: 70px; align-items: center; padding: 90px 0; }
.eyebrow { color: var(--cyan-600); font-size: .82rem; text-transform: uppercase; letter-spacing: .16em; font-weight: 800; margin-bottom: 14px; }
.eyebrow.light { color: #8de5f4; }
h1,h2,h3,p { margin-top: 0; }
h1 { font-size: clamp(3.4rem, 7vw, 6.7rem); line-height: .95; letter-spacing: -.06em; margin-bottom: 28px; color: var(--navy-950); }
h1 .accent { color: var(--cyan-600); }
h2 { font-size: clamp(2.2rem, 4.2vw, 4rem); line-height: 1.06; letter-spacing: -.045em; margin-bottom: 22px; }
h3 { font-size: 1.2rem; letter-spacing: -.02em; }
.hero-lead { max-width: 650px; color: #475569; font-size: 1.22rem; margin-bottom: 30px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 28px; }
.trust-row { display: flex; flex-wrap: wrap; gap: 18px; color: #475569; font-size: .9rem; }
.trust-row span { display:inline-flex; gap: 6px; }

.hero-visual { min-height: 470px; position: relative; display: grid; place-items: center; }
.orb { position: absolute; border-radius: 50%; filter: blur(1px); }
.orb-one { width: 390px; height: 390px; background: linear-gradient(145deg, var(--navy-900), #1a4d84); box-shadow: inset 0 0 80px rgba(255,255,255,.08), 0 40px 80px rgba(6,22,47,.18); }
.orb-two { width: 250px; height: 250px; left: 20px; bottom: 20px; background: linear-gradient(145deg, rgba(22,189,219,.95), rgba(22,189,219,.28)); mix-blend-mode: multiply; }
.glass { position:absolute; background: rgba(255,255,255,.86); border: 1px solid rgba(255,255,255,.72); backdrop-filter: blur(18px); box-shadow: var(--shadow); }
.brand-card { width: 330px; padding: 20px; border-radius: 22px; display:flex; gap:16px; align-items:center; z-index:4; }
.brand-card img { width:70px; height:70px; object-fit:contain; }
.mini-label { color: var(--muted); text-transform:uppercase; letter-spacing:.12em; font-size:.72rem; font-weight:800; }
.route-card { z-index:5; right: 4px; bottom: 24px; padding: 13px 18px; border-radius:999px; display:flex; align-items:center; gap:10px; font-size:.88rem; font-weight:700; }
.route-dot { width:9px; height:9px; border-radius:50%; background:var(--cyan-600); box-shadow:0 0 0 6px rgba(10,174,208,.12); }
.route-line { width:50px; height:1px; background:linear-gradient(90deg,var(--cyan-600),var(--navy-900)); }

.section { padding: 110px 0; }
.section-soft { background: var(--soft); }
.section-dark { background: linear-gradient(145deg, var(--navy-950), var(--navy-900)); color:#fff; }
.section-heading { max-width: 760px; }
.section-heading.center { text-align:center; margin:0 auto 52px; }
.section-heading p { color: var(--muted); font-size:1.08rem; }
.section-dark .section-heading p { color:#cbd5e1; }
.split { display:grid; grid-template-columns:.9fr 1.1fr; gap:90px; align-items:start; }
.copy-card { background:#fff; padding:36px; border:1px solid var(--line); border-radius:var(--radius); box-shadow:0 12px 44px rgba(10,35,75,.06); }
.copy-card p { color:#475569; }
.scope-note { margin-top:24px; padding:20px; border-radius:18px; background:var(--cyan-100); border:1px solid rgba(10,174,208,.18); }
.scope-note p { margin:6px 0 0; font-size:.94rem; }

.card-grid { display:grid; gap:18px; }
.card-grid.four { grid-template-columns:repeat(4,1fr); }
.service-card { padding:28px; border:1px solid var(--line); border-radius:22px; background:#fff; transition:.2s ease; }
.service-card:hover { transform:translateY(-4px); box-shadow:0 18px 44px rgba(10,35,75,.08); }
.service-card .icon { width:48px; height:48px; border-radius:14px; display:grid; place-items:center; background:linear-gradient(145deg,var(--navy-900),var(--cyan-600)); color:#fff; font-size:1.4rem; margin-bottom:20px; }
.service-card p { color:var(--muted); margin-bottom:0; }

.steps { margin-top:50px; display:grid; grid-template-columns:repeat(2,1fr); gap:18px; }
.step { display:grid; grid-template-columns:64px 1fr; gap:20px; padding:28px; border:1px solid rgba(255,255,255,.11); border-radius:22px; background:rgba(255,255,255,.04); }
.step > span { color:#8de5f4; font-weight:900; font-size:1.2rem; }
.step p { color:#cbd5e1; margin-bottom:0; }

.security-grid { display:grid; grid-template-columns:1fr 1fr; gap:70px; align-items:center; }
.security-panel { border-radius:var(--radius); border:1px solid var(--line); padding:28px; background:#fff; box-shadow:var(--shadow); }
.never { display:flex; align-items:center; gap:14px; padding:15px 0; border-bottom:1px solid var(--line); }
.never:last-of-type { border-bottom:0; }
.never span { display:grid; place-items:center; width:30px; height:30px; border-radius:50%; color:var(--danger); background:#fee4e2; font-weight:900; }
.text-link { display:inline-block; margin-top:20px; color:var(--cyan-600); font-weight:750; }

.area-card { background:#fff; border:1px solid var(--line); border-radius:var(--radius); padding:40px; display:grid; grid-template-columns:1fr 1fr; gap:50px; align-items:center; box-shadow:0 12px 44px rgba(10,35,75,.05); }
.area-meta { display:grid; grid-template-columns:repeat(3,1fr); gap:12px; }
.area-meta span { padding:18px; background:var(--soft); border-radius:16px; display:flex; flex-direction:column; gap:6px; }
.area-meta small { color:var(--muted); }

.faq-wrap { display:grid; grid-template-columns:.75fr 1.25fr; gap:70px; align-items:start; }
.faq-list details { border-bottom:1px solid var(--line); }
.faq-list summary { cursor:pointer; list-style:none; padding:22px 34px 22px 0; font-weight:760; position:relative; }
.faq-list summary::after { content:'+'; position:absolute; right:0; top:20px; color:var(--cyan-600); font-size:1.4rem; }
.faq-list details[open] summary::after { content:'−'; }
.faq-list p { color:var(--muted); padding:0 40px 20px 0; }

.cta-section { padding:0 0 110px; }
.cta-box { padding:46px; border-radius:30px; color:#fff; background:linear-gradient(135deg,var(--navy-950),var(--navy-900) 55%, var(--cyan-600)); display:flex; align-items:center; justify-content:space-between; gap:36px; box-shadow:var(--shadow); }
.cta-box h2 { margin-bottom:12px; }
.cta-box p { color:#dbeafe; margin-bottom:0; }

.site-footer { border-top:1px solid var(--line); padding:70px 0 28px; background:#fff; }
.footer-grid { display:grid; grid-template-columns:1.4fr .8fr .8fr; gap:40px; }
.brand-footer img { width:38px; height:38px; }
.footer-grid > div { display:flex; flex-direction:column; gap:9px; }
.footer-grid a:not(.brand) { color:var(--muted); }
.footer-grid a:not(.brand):hover { color:var(--cyan-600); }
.footer-bottom { margin-top:50px; padding-top:22px; border-top:1px solid var(--line); display:flex; justify-content:space-between; gap:20px; color:#94a3b8; font-size:.85rem; }
.floating-contact { position:fixed; right:22px; bottom:22px; width:56px; height:56px; border-radius:50%; display:grid; place-items:center; background:linear-gradient(145deg,var(--navy-900),var(--cyan-600)); color:#fff; box-shadow:0 14px 34px rgba(10,35,75,.25); z-index:1000; font-size:1.3rem; }
.floating-contact:focus-visible { outline-color:#fff; box-shadow:0 0 0 6px var(--cyan-600), 0 14px 34px rgba(10,35,75,.25); }

.reveal { opacity:0; transform:translateY(16px); transition:opacity .55s ease, transform .55s ease; }
.reveal.visible { opacity:1; transform:none; }

.legal-page { min-height:100vh; background:var(--soft); }
.legal-shell { width:min(calc(100% - 40px),880px); margin:0 auto; padding:70px 0; }
.legal-shell .back { color:var(--cyan-600); font-weight:700; }
.legal-toolbar { min-height:42px; display:flex; align-items:center; justify-content:space-between; gap:20px; }
.legal-toolbar-end { justify-content:flex-end; }
.legal-card { margin-top:24px; background:#fff; padding:42px; border:1px solid var(--line); border-radius:24px; }
.legal-card h1 { font-size:clamp(2.5rem,6vw,4.2rem); line-height:1; }
.legal-card h2 { font-size:1.55rem; margin-top:34px; }
.legal-card p, .legal-card li { color:#475569; }
.not-found-card { text-align:center; }
.not-found-card img { margin:0 auto 20px; }

@media (max-width: 980px) {
  .site-nav { position:absolute; left:20px; right:20px; top:70px; display:none; flex-direction:column; align-items:stretch; gap:8px; padding:18px; border:1px solid var(--line); border-radius:18px; background:#fff; box-shadow:var(--shadow); }
  .site-nav.open { display:flex; }
  .site-nav .btn { margin-top:8px; }
  .nav-toggle { display:block; }
  .hero-grid, .split, .security-grid, .faq-wrap { grid-template-columns:1fr; }
  .hero-grid { gap:35px; padding:70px 0; }
  .hero-visual { min-height:400px; }
  .card-grid.four { grid-template-columns:repeat(2,1fr); }
  .area-card { grid-template-columns:1fr; }
  .footer-grid { grid-template-columns:1fr 1fr; }
}

@media (max-width: 640px) {
  .container { width:min(calc(100% - 28px), var(--container)); }
  .section { padding:80px 0; }
  .hero { min-height:auto; }
  .hero-grid { padding:62px 0; }
  h1 { font-size:clamp(3rem,16vw,4.8rem); }
  h2 { font-size:2.4rem; }
  .hero-visual { min-height:330px; }
  .orb-one { width:280px; height:280px; }
  .orb-two { width:180px; height:180px; }
  .brand-card { width:280px; }
  .route-card { right:0; bottom:6px; }
  .card-grid.four, .steps, .area-meta { grid-template-columns:1fr; }
  .split { gap:34px; }
  .copy-card, .security-panel, .area-card { padding:24px; }
  .cta-box { padding:30px; flex-direction:column; align-items:flex-start; }
  .footer-grid { grid-template-columns:1fr; }
  .footer-bottom { flex-direction:column; }
  .floating-contact { width:52px; height:52px; right:16px; bottom:16px; }
  .legal-shell { width:min(calc(100% - 28px),880px); padding:32px 0; }
  .legal-card { padding:26px 22px; border-radius:18px; }
}

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

/* v2: rate reference + community */
.rates-layout { display:grid; grid-template-columns:1fr 1fr; gap:24px; align-items:stretch; }
.rates-board { display:grid; gap:16px; }
.rate-card { background:#fff; border:1px solid var(--line); border-radius:22px; padding:26px; box-shadow:0 12px 36px rgba(10,35,75,.05); }
.rate-top { display:flex; align-items:center; justify-content:space-between; gap:16px; }
.rate-asset { font-weight:850; color:var(--navy-950); }
.rate-status { font-size:.75rem; font-weight:800; padding:6px 9px; border-radius:999px; background:#f1f5f9; color:#64748b; }
.rate-status.ok { background:#dcfce7; color:#166534; }
.rate-status.fallback { background:#fef3c7; color:#92400e; }
.rate-value { font-size:clamp(1.7rem,4vw,2.6rem); font-weight:900; letter-spacing:-.035em; color:var(--navy-950); margin:18px 0 12px; }
.rate-meta { display:flex; justify-content:space-between; gap:14px; color:var(--muted); font-size:.82rem; flex-wrap:wrap; }
.rate-meta a { text-decoration:underline; text-decoration-color:rgba(10,174,208,.35); text-underline-offset:3px; }
.rate-meta a:hover { color:var(--cyan-600); }
.rate-source-note { border:1px dashed rgba(10,35,75,.18); border-radius:18px; padding:18px; color:var(--muted); display:flex; flex-direction:column; gap:5px; font-size:.9rem; }
.rate-source-note strong { color:var(--navy-900); }
.calculator-card { background:linear-gradient(145deg,#fff,#f8fcff); border:1px solid rgba(10,174,208,.22); border-radius:24px; padding:32px; box-shadow:var(--shadow); }
.calculator-card h3 { font-size:1.65rem; }
.calculator-card label { display:block; margin:22px 0 8px; font-size:.86rem; font-weight:800; color:var(--navy-900); }
.calc-row { display:grid; grid-template-columns:1fr 130px; gap:10px; }
.calc-row input, .calc-row select { width:100%; border:1px solid var(--line); border-radius:14px; padding:14px 16px; font:inherit; background:#fff; color:var(--navy-950); }
.calc-row input[aria-invalid="true"] { border-color:var(--danger); box-shadow:0 0 0 3px rgba(180,35,24,.12); }
.field-error { margin:8px 0 0; color:var(--danger); font-size:.85rem; font-weight:700; }
.calc-result { margin:18px 0; padding:18px; border-radius:18px; background:var(--navy-950); color:#fff; display:flex; flex-direction:column; gap:6px; }
.calc-result small { color:#a7c3df; }
.calc-result strong { font-size:1.8rem; }
.calc-result span { color:#dbeafe; font-size:.86rem; }
.rate-disclaimer { color:#64748b; font-size:.82rem; line-height:1.65; }
.visitor-grid { display:grid; grid-template-columns:1fr 1fr; gap:36px; align-items:stretch; }
.visitor-card { border-radius:26px; padding:38px; background:linear-gradient(145deg,var(--navy-950),var(--navy-900)); color:#fff; }
.visitor-card p { color:#dbeafe; }
.guide-list { display:grid; gap:12px; }
.guide-list > div { display:grid; grid-template-columns:48px 1fr; gap:16px; align-items:center; padding:18px 20px; border:1px solid var(--line); border-radius:18px; background:#fff; }
.guide-list span { width:38px; height:38px; display:grid; place-items:center; border-radius:12px; background:var(--cyan-100); color:var(--cyan-600); font-weight:900; }
.guide-list p { margin:0; color:#475569; }
.community-box { display:grid; grid-template-columns:1.3fr .7fr; gap:40px; padding:40px; border-radius:26px; background:#fff; border:1px solid var(--line); box-shadow:0 12px 44px rgba(10,35,75,.05); }
.community-tags { display:flex; flex-wrap:wrap; align-content:center; gap:10px; }
.community-tags span { padding:10px 14px; border-radius:999px; background:var(--cyan-100); color:var(--navy-900); font-weight:750; }
@media (max-width: 980px) {
  .rates-layout, .visitor-grid, .community-box { grid-template-columns:1fr; }
}
@media (max-width: 640px) {
  .calculator-card, .rate-card, .visitor-card, .community-box { padding:22px; }
  .calc-row { grid-template-columns:1fr 110px; }
  .rate-meta { flex-direction:column; gap:4px; }
}

/* v3: 21st.dev direction + shadcn/ui-inspired primitives */
:root {
  --background: #f8fafc;
  --foreground: #0b172a;
  --card: #ffffff;
  --card-foreground: #0b172a;
  --primary: #0b2a53;
  --primary-foreground: #ffffff;
  --secondary: #eaf3f7;
  --secondary-foreground: #123465;
  --muted-surface: #f1f5f9;
  --muted-foreground: #5b6b7e;
  --accent-surface: #dff7f7;
  --accent-foreground: #08768a;
  --border: #dce5ec;
  --input: #cfdbe5;
  --ring: #0891b2;
  --radius: 18px;
  --navy-950: #07182f;
  --navy-900: #0b2a53;
  --navy-800: #173d6d;
  --cyan-600: #087f94;
  --cyan-500: #0fa7b7;
  --cyan-100: #e1f7f7;
  --ink: var(--foreground);
  --muted: var(--muted-foreground);
  --line: var(--border);
  --soft: #f3f7fa;
  --shadow: 0 24px 60px rgba(11, 42, 83, .1);
  --container: 1200px;
}

body {
  font-family: "Segoe UI Variable Text", "Segoe UI", ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--foreground);
  background: var(--background);
  font-feature-settings: "ss01" 1, "cv02" 1;
}

:focus-visible { outline: 3px solid var(--ring); outline-offset: 3px; }

.site-header {
  background: rgba(248, 250, 252, .9);
  border-color: rgba(207, 219, 229, .82);
  box-shadow: 0 1px 0 rgba(255, 255, 255, .7);
}

.nav-wrap { min-height: 72px; }
.brand { gap: 11px; font-size: 1.25rem; letter-spacing: -.025em; }
.brand img { width: 40px; height: 40px; }
.site-nav { gap: 21px; font-size: .9rem; font-weight: 650; }
.site-nav > a:not(.btn) { position: relative; color: #4b5d70; }
.site-nav > a:not(.btn)::after {
  content: "";
  position: absolute;
  left: 0;
  right: 100%;
  bottom: -8px;
  height: 2px;
  background: var(--cyan-600);
  transition: right .2s ease;
}
.site-nav > a:not(.btn):hover::after { right: 0; }

.lang-toggle {
  min-width: 39px;
  min-height: 36px;
  border-radius: 10px;
  border-color: var(--border);
  box-shadow: 0 1px 2px rgba(11, 42, 83, .04);
}

.btn {
  min-height: 44px;
  border-radius: 12px;
  padding: 12px 19px;
  font-weight: 720;
  box-shadow: 0 1px 2px rgba(11, 42, 83, .05);
  transition: transform .18s ease, box-shadow .18s ease, background-color .18s ease, border-color .18s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn-sm { min-height: 38px; padding: 9px 15px; border-radius: 10px; }
.btn-primary {
  color: var(--primary-foreground);
  background: var(--primary);
  box-shadow: 0 8px 20px rgba(11, 42, 83, .18);
}
.btn-primary:hover { background: #103765; box-shadow: 0 11px 24px rgba(11, 42, 83, .22); }
.btn-ghost { background: rgba(255, 255, 255, .72); border-color: var(--border); }
.btn-ghost:hover { background: #fff; border-color: #bdccd8; }
.hero-actions .btn-primary::after { content: "\2197"; margin-left: 9px; font-size: .95em; }

.nav-toggle {
  width: 42px;
  height: 42px;
  padding: 0;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: var(--card);
  box-shadow: 0 1px 2px rgba(11, 42, 83, .06);
}
.nav-toggle-icon { width: 18px; display: grid; gap: 4px; margin: auto; }
.nav-toggle-icon span { height: 2px; border-radius: 99px; background: var(--navy-900); transition: transform .2s ease, opacity .2s ease; }
.nav-toggle[aria-expanded="true"] .nav-toggle-icon span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle-icon span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] .nav-toggle-icon span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

.hero {
  min-height: 700px;
  border-bottom: 1px solid rgba(220, 229, 236, .8);
  background:
    radial-gradient(circle at 87% 18%, rgba(15, 167, 183, .12), transparent 26%),
    linear-gradient(180deg, #fbfdfe 0%, #f6fafc 100%);
}
.hero::before {
  background-image: linear-gradient(rgba(11, 42, 83, .035) 1px, transparent 1px), linear-gradient(90deg, rgba(11, 42, 83, .035) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: linear-gradient(to bottom, rgba(0,0,0,.72), transparent 88%);
}
.hero-grid { grid-template-columns: minmax(0, 1.02fr) minmax(440px, .98fr); gap: 72px; padding: 92px 0 104px; }
.hero-copy { position: relative; z-index: 2; }
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 17px;
  color: var(--accent-foreground);
  font-size: .75rem;
  letter-spacing: .14em;
}
.eyebrow::before { content: ""; width: 20px; height: 1px; background: currentColor; }
.eyebrow.light::before { background: currentColor; }
h1, h2, h3 { font-family: "Segoe UI Variable Display", "Segoe UI", ui-sans-serif, system-ui, sans-serif; }
h1 { max-width: 760px; font-size: clamp(3.45rem, 6.3vw, 5.8rem); line-height: .94; letter-spacing: -.065em; margin-bottom: 27px; }
h1 .accent { color: var(--cyan-600); }
h2 { font-size: clamp(2.25rem, 4.1vw, 3.75rem); line-height: 1.03; letter-spacing: -.052em; }
h3 { letter-spacing: -.025em; }
.hero-lead { max-width: 620px; color: #4b5d70; font-size: 1.13rem; line-height: 1.75; }
.trust-row { gap: 10px; color: #41556a; font-size: .82rem; }
.trust-row > span {
  gap: 7px;
  padding: 7px 10px;
  border: 1px solid rgba(207, 219, 229, .82);
  border-radius: 9px;
  background: rgba(255, 255, 255, .7);
}

.hero-visual { min-height: 500px; display: grid; place-items: center; isolation: isolate; }
.hero-visual::before {
  content: "";
  position: absolute;
  width: 440px;
  height: 440px;
  border-radius: 50%;
  background: #dff5f5;
  filter: blur(1px);
  z-index: -2;
}
.hero-visual::after {
  content: "";
  position: absolute;
  inset: 46px 18px 34px 42px;
  border: 1px dashed rgba(8, 127, 148, .24);
  border-radius: 46% 54% 50% 50%;
  transform: rotate(-7deg);
  z-index: -1;
}
.finance-console {
  width: min(100%, 460px);
  margin: 0;
  padding: 22px;
  border: 1px solid rgba(197, 212, 224, .92);
  border-radius: 22px;
  background: rgba(255, 255, 255, .94);
  box-shadow: 0 28px 74px rgba(11, 42, 83, .17), 0 2px 8px rgba(11, 42, 83, .06);
  backdrop-filter: blur(16px);
  transform: rotate(1.25deg);
}
.finance-console-header { display: flex; align-items: center; justify-content: space-between; gap: 16px; margin-bottom: 20px; }
.console-brand { display: flex; align-items: center; gap: 10px; }
.console-brand > span:last-child { display: grid; }
.console-brand small, .console-brand strong { line-height: 1.25; }
.console-brand small { color: var(--muted); font-size: .66rem; font-weight: 800; letter-spacing: .13em; text-transform: uppercase; }
.console-brand strong { font-size: .87rem; }
.console-logo { display: grid; place-items: center; width: 43px; height: 43px; border: 1px solid var(--border); border-radius: 12px; background: #fff; }
.console-logo img { width: 34px; height: 34px; }
.status-badge {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  white-space: nowrap;
  padding: 6px 9px;
  border: 1px solid #bce8dc;
  border-radius: 999px;
  background: #ecfdf5;
  color: #166534;
  font-size: .69rem;
  font-weight: 760;
}
.status-badge i, .pulse-dot { width: 7px; height: 7px; border-radius: 50%; background: #16a36a; box-shadow: 0 0 0 4px rgba(22, 163, 106, .12); }
.console-primary {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 18px;
  min-height: 124px;
  padding: 20px;
  border-radius: 16px;
  color: #fff;
  background: var(--navy-950);
  overflow: hidden;
  position: relative;
}
.console-primary::after { content: ""; position: absolute; width: 180px; height: 180px; border: 34px solid rgba(15, 167, 183, .22); border-radius: 50%; right: -76px; top: -82px; }
.console-primary > div { display: grid; gap: 8px; position: relative; z-index: 1; }
.console-primary strong { max-width: 270px; font-size: 1.42rem; line-height: 1.14; letter-spacing: -.035em; }
.console-label { color: #a9d9df; font-size: .67rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.console-mark { display: grid; place-items: center; flex: 0 0 auto; width: 38px; height: 38px; border: 1px solid rgba(255, 255, 255, .18); border-radius: 12px; background: rgba(255, 255, 255, .08); font-size: 1.2rem; position: relative; z-index: 1; }
.console-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin: 10px 0; }
.console-metric { display: grid; grid-template-columns: 30px 1fr; column-gap: 9px; padding: 13px; border: 1px solid var(--border); border-radius: 14px; background: var(--card); }
.console-metric .metric-icon { grid-row: 1 / span 2; display: grid; place-items: center; width: 30px; height: 30px; border-radius: 9px; background: var(--accent-surface); color: var(--accent-foreground); font-weight: 900; }
.console-metric small { color: var(--muted); font-size: .66rem; line-height: 1.25; }
.console-metric strong { align-self: end; margin-top: 4px; font-size: .78rem; line-height: 1.25; }
.console-route { display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 10px; padding: 15px 12px; border: 1px solid var(--border); border-radius: 14px; background: var(--muted-surface); }
.console-route > span:not(.route-track) { display: inline-flex; align-items: center; gap: 7px; font-size: .76rem; }
.console-route > span:not(.route-track) > i { width: 8px; height: 8px; border-radius: 50%; background: var(--cyan-600); }
.console-route > span:last-child > i { background: var(--navy-900); }
.route-track { height: 1px; background: #bdcad5; position: relative; }
.route-track i { position: absolute; top: -3px; left: 55%; width: 7px; height: 7px; border-radius: 50%; background: var(--cyan-600); box-shadow: 0 0 0 4px rgba(8, 127, 148, .12); }
.console-footer { display: flex; align-items: center; gap: 11px; margin-top: 10px; padding: 13px; border: 1px solid #cce9e9; border-radius: 14px; background: #f0fbfb; }
.console-footer > span:last-child { display: grid; gap: 1px; }
.console-footer strong { font-size: .76rem; }
.console-footer small { color: var(--muted); font-size: .67rem; }
.shield-mark { display: grid; place-items: center; flex: 0 0 auto; width: 30px; height: 30px; border-radius: 10px; background: var(--cyan-600); color: #fff; font-weight: 900; }
.console-float { position: absolute; z-index: 3; display: flex; align-items: center; gap: 8px; padding: 10px 13px; border: 1px solid rgba(207, 219, 229, .92); border-radius: 12px; background: rgba(255, 255, 255, .96); box-shadow: 0 12px 30px rgba(11, 42, 83, .12); font-size: .7rem; }
.console-float span { color: var(--muted); }
.console-float-top { top: 2px; right: -30px; }
.console-float-bottom { left: -38px; bottom: -8px; }

.section { padding: 96px 0; }
.section-soft { background: var(--soft); border-top: 1px solid rgba(220, 229, 236, .72); border-bottom: 1px solid rgba(220, 229, 236, .72); }
.section-heading.center { max-width: 790px; margin: 0 0 46px; text-align: left; }
.section-heading p { color: var(--muted); }
.split { gap: 74px; }
.copy-card, .service-card, .rate-card, .calculator-card, .security-panel, .area-card, .community-box {
  border-color: var(--border);
  background: var(--card);
  box-shadow: 0 1px 2px rgba(11, 42, 83, .04), 0 12px 30px rgba(11, 42, 83, .045);
}
.copy-card { padding: 34px; border-radius: var(--radius); }
.scope-note { border-radius: 13px; background: var(--accent-surface); border-color: #c8eaea; }

.card-grid { gap: 14px; }
.service-card { min-height: 255px; padding: 25px; border-radius: 16px; position: relative; overflow: hidden; }
.service-card::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 3px; background: var(--cyan-600); opacity: 0; transition: opacity .2s ease; }
.service-card:hover { transform: translateY(-3px); border-color: #bccbd7; box-shadow: 0 18px 38px rgba(11, 42, 83, .08); }
.service-card:hover::after { opacity: 1; }
.service-card .icon { width: 42px; height: 42px; margin-bottom: 30px; border: 1px solid #cbe7e9; border-radius: 12px; background: var(--accent-surface); color: var(--accent-foreground); font-size: 1.05rem; }
.service-card h3 { font-size: 1.08rem; }
.service-card p { font-size: .92rem; }

.rates-layout { gap: 16px; }
.rates-board { gap: 12px; }
.rate-card { border-radius: 16px; padding: 23px; }
.rate-card:hover { border-color: #bdccd8; }
.rate-status { border: 1px solid var(--border); border-radius: 999px; background: var(--muted-surface); }
.rate-status.ok { border-color: #bce8dc; background: #ecfdf5; }
.rate-status.fallback { border-color: #f2d58c; }
.rate-value { font-size: clamp(1.65rem, 3.2vw, 2.25rem); }
.rate-source-note { border-style: solid; border-color: var(--border); border-radius: 14px; background: rgba(255,255,255,.55); }
.calculator-card { padding: 30px; border-radius: 18px; background: var(--card); }
.calc-row input, .calc-row select { min-height: 48px; border-color: var(--input); border-radius: 11px; background: #fff; transition: border-color .15s ease, box-shadow .15s ease; }
.calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ring); box-shadow: 0 0 0 3px rgba(8, 145, 178, .13); }
.calc-result { border-radius: 14px; background: var(--navy-950); }

.section-dark { position: relative; background: var(--navy-950); overflow: hidden; }
.section-dark::after { content: ""; position: absolute; inset: 0; pointer-events: none; background-image: linear-gradient(rgba(255,255,255,.025) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.025) 1px, transparent 1px); background-size: 48px 48px; mask-image: linear-gradient(90deg, transparent, #000, transparent); }
.section-dark .container { position: relative; z-index: 1; }
.steps { grid-template-columns: repeat(4, 1fr); gap: 12px; }
.step { grid-template-columns: 1fr; gap: 24px; min-height: 220px; padding: 24px; border-radius: 15px; background: rgba(255,255,255,.045); }
.step > span { width: 38px; height: 30px; display: grid; place-items: center; border: 1px solid rgba(141,229,244,.24); border-radius: 8px; background: rgba(141,229,244,.08); font-size: .78rem; }
.step h3 { font-size: 1.02rem; }
.step p { font-size: .88rem; }

.security-panel { border-radius: 18px; padding: 20px 25px; }
.never { padding: 14px 0; }
.never span { width: 27px; height: 27px; border-radius: 9px; }
.area-card { border-radius: 18px; }
.area-meta span { border: 1px solid var(--border); border-radius: 13px; background: var(--muted-surface); }
.visitor-card { border-radius: 18px; background: var(--navy-950); }
.guide-list > div { border-radius: 14px; box-shadow: 0 1px 2px rgba(11,42,83,.03); }
.guide-list span { border-radius: 9px; }
.community-box { border-radius: 18px; }
.community-tags span { border: 1px solid #cbe7e9; border-radius: 9px; }

.faq-list { display: grid; gap: 9px; }
.faq-list details { border: 1px solid var(--border); border-radius: 14px; background: var(--card); box-shadow: 0 1px 2px rgba(11,42,83,.035); overflow: hidden; }
.faq-list summary { padding: 18px 48px 18px 18px; }
.faq-list summary::after { right: 18px; top: 16px; display: grid; place-items: center; width: 28px; height: 28px; border: 1px solid var(--border); border-radius: 9px; font-size: 1rem; }
.faq-list p { margin: 0; padding: 0 48px 20px 18px; }

.cta-box { border: 1px solid rgba(255,255,255,.09); border-radius: 22px; background: var(--navy-950); box-shadow: 0 24px 60px rgba(7, 24, 47, .18); position: relative; overflow: hidden; }
.cta-box::after { content: ""; position: absolute; width: 260px; height: 260px; border: 54px solid rgba(15,167,183,.16); border-radius: 50%; right: -90px; top: -120px; }
.cta-box > * { position: relative; z-index: 1; }
.btn-white { border-color: rgba(255,255,255,.6); border-radius: 12px; }
.site-footer { background: #fbfdfe; }
.floating-contact { width: 54px; height: 54px; border: 1px solid rgba(255,255,255,.28); border-radius: 16px; background: var(--navy-900); }

@media (max-width: 1100px) {
  .hero-grid { grid-template-columns: minmax(0, 1fr) minmax(400px, .9fr); gap: 44px; }
  .console-float-top { right: 0; }
  .console-float-bottom { left: 0; }
}

@media (max-width: 980px) {
  .site-nav { border-radius: 14px; background: rgba(255,255,255,.98); box-shadow: 0 18px 50px rgba(11,42,83,.14); }
  .site-nav > a:not(.btn)::after { display: none; }
  .hero-grid { grid-template-columns: 1fr; gap: 30px; padding: 72px 0 84px; }
  .hero-copy { max-width: 760px; }
  .hero-visual { min-height: 470px; }
  .steps { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 640px) {
  .section { padding: 76px 0; }
  .hero-grid { padding: 58px 0 68px; }
  h1 { font-size: clamp(3rem, 15vw, 4.35rem); }
  h2 { font-size: 2.3rem; }
  .hero-lead { font-size: 1.02rem; }
  .trust-row { display: grid; grid-template-columns: 1fr; }
  .hero-visual { min-height: 438px; }
  .hero-visual::before { width: 330px; height: 330px; }
  .hero-visual::after { inset: 46px 0 30px; }
  .finance-console { padding: 15px; border-radius: 18px; transform: none; }
  .finance-console-header { align-items: flex-start; }
  .status-badge { white-space: normal; text-align: right; }
  .console-primary { min-height: 112px; padding: 17px; }
  .console-primary strong { font-size: 1.2rem; }
  .console-grid { grid-template-columns: 1fr; }
  .console-metric { display: grid; }
  .console-route { padding: 13px 10px; }
  .console-float { display: none; }
  .steps { grid-template-columns: 1fr; }
  .step { min-height: 0; }
  .section-heading.center { margin-bottom: 36px; }
  .service-card { min-height: 0; }
  .area-card { padding: 24px; }
  .cta-box { border-radius: 18px; }
}