@font-face{font-family:Inter;font-style:normal;font-display:swap;font-weight:400 800;src:url(/inter.woff2) format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+2074,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
:root{--ink:#0b1b3a;--muted:#4f5b75;--line:#e1e6f0;--bg:#fff;--soft:#f5f8fd;--blue:#2563eb;--blue-d:#1d4ed8;--teal:#14b8a6;--r:16px}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
a{color:inherit;text-decoration:none}img,svg{max-width:100%}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px}
h1,h2,h3{line-height:1.15;margin:0 0 .5em;letter-spacing:-.02em}
h1{font-size:clamp(2rem,5vw,3.4rem);font-weight:800}h2{font-size:clamp(1.5rem,3vw,2.1rem);font-weight:700}h3{font-size:1.12rem;font-weight:700}
p{margin:0 0 1em}.muted{color:var(--muted)}.center{text-align:center}
.lead{font-size:1.12rem;color:var(--muted);max-width:660px}
.kicker{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--blue-d);margin-bottom:14px}
.grad{background:linear-gradient(90deg,var(--blue-d),#0f766e);-webkit-background-clip:text;background-clip:text;color:transparent}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-9999px;top:8px;background:var(--ink);color:#fff;padding:10px 16px;border-radius:8px;z-index:100}.skip:focus{left:12px}
:focus-visible{outline:3px solid var(--blue-d);outline-offset:2px;border-radius:4px}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:10px;font-size:1.12rem;font-weight:500;letter-spacing:-.01em}.brand b{font-weight:800}
.nav{display:flex;align-items:center;gap:4px}
.nav a{padding:8px 11px;border-radius:10px;font-size:.92rem;font-weight:500;color:#2d3a55}
.nav a:hover,.nav a[aria-current=page]{background:var(--soft);color:var(--blue-d)}
.nav a.btn{color:#fff;margin-left:8px}.nav a.btn:hover{background:var(--blue-d);color:#fff}
.menu-btn{display:none;background:#fff;border:1px solid var(--line);border-radius:10px;padding:8px 12px;cursor:pointer;font:inherit;font-weight:600;color:var(--ink)}
/* buttons */
.btn{display:inline-block;background:var(--blue-d);color:#fff;font-weight:600;padding:13px 24px;border-radius:12px;border:0;cursor:pointer;font-size:1rem;font-family:inherit;transition:background .2s,transform .2s}
.btn:hover{background:#1e40af;transform:translateY(-1px)}.btn-sm{padding:8px 16px;font-size:.9rem}
.btn-ghost{background:#fff;color:var(--ink);border:1px solid #cdd5e4}.btn-ghost:hover{background:var(--soft);color:var(--ink)}
.btn-light{background:#fff;color:var(--ink)}.btn-light:hover{background:#eef3ff;color:var(--ink)}
.btn[disabled]{opacity:.7;cursor:progress}
/* hero */
.hero{padding:48px 0 52px;background:radial-gradient(900px 400px at 85% -10%,#e8f0ff,transparent),radial-gradient(700px 350px at 0% 0%,#e6fbf8,transparent)}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin:22px 0}
.ticks{list-style:none;padding:0;margin:0;display:flex;gap:8px 18px;flex-wrap:wrap;color:var(--muted);font-size:.92rem}
.ticks li:before{content:"\2713";color:#0f766e;font-weight:800;margin-right:6px}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:18px;box-shadow:0 30px 60px -30px rgba(11,27,58,.25)}
.hc-top{display:flex;align-items:center;gap:6px;margin-bottom:14px}.hc-top span{width:10px;height:10px;border-radius:50%;background:#d8dfec}.hc-top em{margin-left:auto;font-style:normal;font-size:.78rem;color:var(--muted)}
.bars{display:flex;align-items:flex-end;gap:10px;height:170px;padding:10px 6px;background:var(--soft);border-radius:12px}
.bars i{flex:1;border-radius:6px 6px 2px 2px;background:linear-gradient(180deg,var(--blue),#93c5fd)}.bars i:nth-child(odd){background:linear-gradient(180deg,var(--teal),#99f6e4)}
.hc-label{font-size:.78rem;color:var(--muted);margin:14px 0 8px}
.hc-tags{display:flex;flex-wrap:wrap;gap:6px}.hc-tags span{font-size:.8rem;font-weight:600;padding:5px 10px;border-radius:999px;background:#eaf1ff;color:#1e3a8a}
/* sections */
.section{padding:52px 0}.alt{background:var(--soft)}
.head{max-width:700px;margin-bottom:24px}.head h2{margin:0 0 .4em}
.page-hero{padding:44px 0 24px;background:radial-gradient(800px 300px at 80% -20%,#e8f0ff,transparent)}
.crumbs{font-size:.88rem;color:var(--muted);margin-bottom:18px}.crumbs a{text-decoration:underline;text-underline-offset:3px}.crumbs span[aria-hidden]{margin:0 6px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}.grid5{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
.grid2.tight{gap:56px;align-items:start}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;transition:transform .2s,box-shadow .2s,border-color .2s}
a.card{display:block}
.card:hover{transform:translateY(-3px);box-shadow:0 18px 40px -22px rgba(11,27,58,.3);border-color:#c5d3ee}
.card p{color:var(--muted);margin:0}.card.big{padding:30px}.card.big p{margin-bottom:14px}
.card .more{display:inline-block;margin-top:12px}
.ico{display:inline-flex;width:44px;height:44px;align-items:center;justify-content:center;border-radius:12px;background:#eaf1ff;margin-bottom:16px}
.ico svg{width:22px;height:22px;fill:none;stroke:var(--blue-d);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.more{color:var(--blue-d);font-weight:600}.more:hover{text-decoration:underline}
.list{padding-left:0;list-style:none;margin:0}.list li{padding:6px 0 6px 26px;position:relative;color:#2d3a55}
.list li:before{content:"";position:absolute;left:4px;top:15px;width:8px;height:8px;border-radius:50%;background:var(--teal)}
.list.sm{display:grid;grid-template-columns:1fr 1fr;gap:0 12px}.list.sm li{font-size:.92rem}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:28px;padding:0;list-style:none}
.chips li,.chips a{display:block;padding:10px 18px;border:1px solid #cdd5e4;border-radius:999px;background:#fff;font-weight:500;font-size:.95rem}
.chips a:hover{border-color:var(--blue);color:var(--blue-d);background:#f4f8ff}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.steps>div{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px}
.steps b{display:inline-flex;width:34px;height:34px;border-radius:50%;background:var(--ink);color:#fff;align-items:center;justify-content:center;margin-bottom:14px}
.steps p{color:var(--muted);margin:0}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:#fff;-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse;font-size:.95rem;min-width:560px}th,td{padding:13px 18px;text-align:left;border-bottom:1px solid var(--line);white-space:nowrap}
th{background:#fafcff;font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}tr:last-child td{border-bottom:0}td.num,th.num{text-align:right}
.note{color:var(--muted);font-size:.9rem;margin-top:14px}
.flag{display:inline-block;background:#fff8e1;border:1px solid #f2d98a;color:#5b4300;padding:8px 14px;border-radius:10px;font-size:.92rem;margin:0 0 16px}
/* placeholders */
.ph{background:#fff4cc;border:1px dashed #b45309;color:#6b3a00;padding:2px 8px;border-radius:6px;font-weight:600;font-size:.92em}
.ph-box{display:flex;align-items:center;justify-content:center;text-align:center;min-height:64px;padding:12px;border:2px dashed #d3a64a;border-radius:12px;background:#fffaf0;color:#6b3a00;font-weight:600;font-size:.85rem}
.founders{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:20px}
.founder .ph-box{min-height:150px;margin-bottom:12px}.founder p{margin:0 0 6px}
.testi blockquote{margin:0 0 14px;color:var(--ink)}
.compliance{background:#fff;border:1px solid var(--line);border-left:4px solid var(--blue);border-radius:var(--r);padding:24px 26px}
/* faq */
.faq{display:grid;gap:12px;max-width:860px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:4px 20px}
.faq summary{cursor:pointer;font-weight:600;padding:14px 0;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";color:var(--blue-d);font-size:1.3rem;line-height:1}
.faq details[open] summary:after{content:"\2212"}.faq details p{color:var(--muted);padding-bottom:14px;margin:0}
/* cta */
.cta{padding:8px 0 56px}.cta-in{display:flex;align-items:center;justify-content:space-between;gap:24px;background:linear-gradient(120deg,#0b1b3a,#16346d);color:#fff;border-radius:24px;padding:42px 46px}
.cta h2{margin-bottom:8px}.cta p{margin:0;color:#d3def4;max-width:520px}
/* form */
.form{display:grid;gap:16px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px}
.field{display:grid;gap:6px}.field label{font-weight:600;font-size:.9rem}.field .opt{font-weight:400;color:var(--muted)}
input,select,textarea{font:inherit;width:100%;padding:12px 14px;border:1px solid #b9c3d8;border-radius:10px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:3px solid #bfd3ff;border-color:var(--blue-d)}
input[aria-invalid=true],select[aria-invalid=true]{border-color:#b91c1c;background:#fff8f8}
.err{color:#b91c1c;font-size:.85rem;min-height:0}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-note{color:var(--muted);font-size:.9rem;margin:0}
.status{border-radius:12px;padding:14px 16px;font-size:.95rem}.status.ok{background:#ecfdf5;border:1px solid #6ee7b7;color:#065f46}.status.bad{background:#fef2f2;border:1px solid #fca5a5;color:#991b1b}
.status a{text-decoration:underline}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
/* legal */
.prose{max-width:780px}.prose h2{font-size:1.4rem;margin-top:2em}.prose li{margin-bottom:.4em}.prose p,.prose li{color:#2d3a55}
/* footer */
.site-footer{border-top:1px solid var(--line);padding:56px 0 0;background:#fff}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px}
.fh{font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);margin:0 0 10px}
.foot-grid ul{list-style:none;margin:0;padding:0}
.foot-grid li a{display:block;padding:4px 0;color:#2d3a55;font-size:.94rem}.foot-grid li a:hover{color:var(--blue-d);text-decoration:underline}
.legal{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;padding:26px 24px;margin-top:34px;border-top:1px solid var(--line);color:var(--muted);font-size:.88rem}
.legal a{text-decoration:underline;margin-left:16px}
@media(max-width:1000px){.grid5{grid-template-columns:repeat(3,1fr)}.nav a{padding:8px 8px;font-size:.88rem}}
@media(max-width:900px){
 .hero-grid,.grid2,.grid3,.steps,.form-row{grid-template-columns:1fr}.grid4{grid-template-columns:1fr 1fr}.foot-grid{grid-template-columns:1fr 1fr}
 .menu-btn{display:block}
 .nav{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:12px 24px 18px}
 .nav.open{display:flex}.nav a{padding:12px 10px;font-size:1rem}.nav a.btn{margin:8px 0 0;text-align:center}
 .cta-in{flex-direction:column;align-items:flex-start;padding:30px 24px}.section{padding:52px 0}.list.sm{grid-template-columns:1fr}.hero{padding:44px 0}
}
@media(max-width:560px){.grid4,.foot-grid,.founders{grid-template-columns:1fr}.grid5{grid-template-columns:1fr 1fr}.wrap{padding:0 18px}.form{padding:20px}.legal a{margin:0 16px 0 0}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* v2.1 additions */
.hero{background:radial-gradient(900px 400px at 85% -10%,#dfeaff,transparent),radial-gradient(700px 350px at 0% 0%,#ddf7f3,transparent),linear-gradient(#fff,#f8fbff)}
.visual{position:relative;padding-bottom:34px}
.heat-card{position:absolute;right:-8px;bottom:0;width:190px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:12px 14px;box-shadow:0 24px 50px -24px rgba(11,27,58,.35)}
.heat-card .hc-label{margin:0 0 8px}
.heat{display:grid;grid-template-columns:repeat(8,1fr);gap:3px}.heat i{aspect-ratio:1;border-radius:3px;display:block}
.h1{background:#e8f0ff}.h2{background:#bfd6ff}.h3{background:#7fb0ff}.h4{background:#3b82f6}.h5{background:#1e40af}
.facts{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}
.facts-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.facts-grid div{padding:20px 22px;border-left:1px solid var(--line)}.facts-grid div:first-child{border-left:0;padding-left:0}
.facts-grid b{display:block;font-size:1rem}.facts-grid span{color:var(--muted);font-size:.88rem}
.dcard{display:flex;flex-direction:column}.dcard p{flex:1}.dtop{display:flex;align-items:center;justify-content:space-between;margin-bottom:12px}.dtop .ico{margin:0}
.tag{font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:#1e3a8a;background:#eaf1ff;padding:4px 10px;border-radius:999px}
.scard{text-align:left}.scard h3{margin-bottom:.3em}.scard .ico{margin-bottom:12px}.scard p{font-size:.9rem}
.band{display:flex;align-items:center;justify-content:space-between;gap:28px;background:linear-gradient(120deg,#eef4ff,#e8fbf8);border:1px solid #d6e2f7;border-radius:22px;padding:34px 38px}
.band h2{margin:0 0 .3em}.band p{margin:0;color:var(--muted);max-width:640px}
.card .ico{margin-bottom:12px}
@media(max-width:900px){.visual{padding-bottom:0}.heat-card{position:static;width:auto;margin-top:14px}.facts-grid{grid-template-columns:1fr 1fr}.facts-grid div{border-left:0;padding:16px 0;border-top:1px solid var(--line)}.facts-grid div:nth-child(-n+2){border-top:0}.band{flex-direction:column;align-items:flex-start;padding:26px 22px}}
@media(max-width:560px){.facts-grid{grid-template-columns:1fr}.facts-grid div:nth-child(2){border-top:1px solid var(--line)}}

/* v2.2: contact dropdown + dynamic form */
.cdrop{position:relative;margin-left:8px}
.cdrop summary{list-style:none;cursor:pointer;display:inline-flex;align-items:center;gap:8px;background:var(--blue-d);color:#fff;padding:9px 16px;border-radius:12px;font-weight:600;font-size:.92rem;box-shadow:0 8px 20px -10px rgba(29,78,216,.7)}
.cdrop summary::-webkit-details-marker{display:none}
.cdrop summary:hover{background:#1e40af}
.cdrop summary:after{content:"";width:7px;height:7px;border:solid #fff;border-width:0 2px 2px 0;transform:rotate(45deg);margin-top:-3px}
.cdrop[open] summary:after{transform:rotate(225deg);margin-top:3px}
.cdrop ul{position:absolute;right:0;top:calc(100% + 8px);min-width:250px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 24px 48px -20px rgba(11,27,58,.35);padding:8px;list-style:none;margin:0;z-index:60}
.cdrop li a{display:block;padding:10px 12px;border-radius:10px;font-weight:600;color:var(--ink)}
.cdrop li a small{display:block;font-weight:400;color:var(--muted);font-size:.82rem}
.cdrop li a:hover{background:var(--soft);color:var(--blue-d)}
.cmobile{display:none}
.grp{border:0;padding:0;margin:0;min-width:0;display:grid;gap:16px}.grp[hidden]{display:none}
.checks{display:flex;flex-wrap:wrap;gap:8px}.chk{display:inline-flex;align-items:center;gap:8px;padding:8px 12px;border:1px solid #cdd5e4;border-radius:999px;font-size:.88rem;font-weight:500;cursor:pointer;background:#fff}
.chk input{width:auto;margin:0;accent-color:var(--blue-d)}.chk:has(input:checked){border-color:var(--blue-d);background:#eef4ff}
.lbl{font-weight:600;font-size:.9rem}
@media(max-width:900px){.cdrop{display:none}.cmobile{display:grid;gap:8px;margin-top:10px}.cmobile .btn{text-align:center;margin:0}}
.chk input{width:16px;height:16px;padding:0;flex:none;appearance:auto}

/* v2.3 SEO content */
.h-sm{font-size:1.25rem;margin:0 0 .7em}
.prose-lite p{color:#2d3a55}
.uses{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.uses li{background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 16px;display:grid;gap:2px}
.uses strong{font-size:.95rem}.uses span{color:var(--muted);font-size:.92rem}
.prose ol{padding-left:1.3em}.prose ol li{margin-bottom:.7em}.prose .table-wrap{margin:1em 0}.prose td,.prose th{white-space:normal}
.prose h2:first-of-type{margin-top:1em}
.chips li:has(a){border:0;padding:0;background:none;border-radius:0}