@font-face{font-family:Geist;src:url(/fonts/Geist-Variable.woff2) format("woff2");font-weight:100 900;font-display:swap}
@font-face{font-family:"Geist Mono";src:url(/fonts/GeistMono-Variable.woff2) format("woff2");font-weight:100 900;font-display:swap}
:root{--bg:#f5f7fa;--paper:#fff;--ink:#0d1b2e;--ink2:#36435a;--mut:#596479;--line:#e2e7ef;--acc:#0a7c66;--acc2:#06604f;--soft:#edf2f7;--navy:#0b1a30;--mint:#a8ecd8;--r:16px;--max:1160px;--sh:0 1px 2px rgba(13,27,46,.06),0 12px 32px -16px rgba(13,27,46,.18)}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.6 Geist,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;font-feature-settings:"ss01","tnum" 0;-webkit-font-smoothing:antialiased}
a{color:var(--ink);text-decoration-color:color-mix(in srgb,var(--acc) 55%,transparent);text-underline-offset:3px}a:hover{color:var(--acc2)}
h1,h2,h3{line-height:1.15;letter-spacing:-.025em;font-weight:620;margin:0 0 .5em}
h1{font-size:clamp(2.1rem,5.2vw,3.6rem);letter-spacing:-.035em;max-width:18ch}
h2{font-size:clamp(1.35rem,2.6vw,1.75rem);margin-top:2.2em}h3{font-size:1.1rem}
p,ul,ol{margin:0 0 1em}li{margin:.25em 0}
.mono{font-family:"Geist Mono",ui-monospace,monospace;letter-spacing:.01em}.small{font-size:.875rem}.mut{color:var(--mut)}.block{display:block}.num{font-variant-numeric:tabular-nums;white-space:nowrap}
.in{max-width:var(--max);margin:0 auto;padding:0 24px}.narrow{max-width:760px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:var(--ink);color:#fff;padding:8px 12px;border-radius:8px;z-index:9}
/* header */
.top{position:sticky;top:0;z-index:5;background:color-mix(in srgb,var(--bg) 88%,transparent);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.top .in{display:flex;align-items:center;gap:24px;min-height:64px}
.brand{display:inline-flex;align-items:center;gap:9px;font-weight:650;letter-spacing:-.02em;text-decoration:none;font-size:1.05rem}.brand svg{color:var(--acc)}
.top nav{margin-left:auto;display:flex;gap:4px}.top nav a{text-decoration:none;color:var(--ink2);padding:11px 12px;border-radius:9px;font-size:.95rem}
.top nav a:hover,.top nav a[aria-current=page]{background:var(--soft);color:var(--ink)}
.nav-toggle{display:none;margin-left:auto;width:44px;height:44px;border:1px solid var(--line);border-radius:10px;background:var(--paper);cursor:pointer;place-items:center}
.bars,.bars::before,.bars::after{display:block;width:18px;height:2px;background:var(--ink);border-radius:2px;position:relative;transition:transform .2s}
.bars::before,.bars::after{content:"";position:absolute;left:0}.bars::before{top:-6px}.bars::after{top:6px}
.nav-toggle[aria-expanded=true] .bars{background:transparent}.nav-toggle[aria-expanded=true] .bars::before{transform:translateY(6px) rotate(45deg)}.nav-toggle[aria-expanded=true] .bars::after{transform:translateY(-6px) rotate(-45deg)}
/* hero */
.hero{padding:clamp(48px,9vw,104px) 0 clamp(36px,6vw,64px);background:radial-gradient(900px 380px at 85% 0%,color-mix(in srgb,var(--acc) 12%,transparent),transparent 70%)}
.kicker{color:var(--acc2);font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:18px}
.lede{font-size:clamp(1.08rem,1.8vw,1.28rem);color:var(--ink2);max-width:60ch}
.cta-row{display:flex;flex-wrap:wrap;align-items:center;gap:12px 22px;margin-top:28px}
.btn{display:inline-flex;align-items:center;min-height:48px;padding:0 22px;border-radius:999px;background:var(--ink);color:#fff;text-decoration:none;font-weight:560;transition:background .15s,transform .15s}
.btn:hover{background:var(--acc2);color:#fff;transform:translateY(-1px)}
.link{font-weight:560;text-decoration:none;padding:12px 0}.link:hover{text-decoration:underline}
.sect{font-size:.8rem;text-transform:uppercase;letter-spacing:.09em;color:var(--mut);font-weight:560;margin:56px 0 16px}
/* tables */
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);margin:0 0 1.4em}
table{width:100%;border-collapse:collapse;font-size:.95rem}
th,td{text-align:left;vertical-align:top;padding:14px 16px;border-bottom:1px solid var(--line)}
thead th{font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;color:var(--mut);font-weight:560;background:color-mix(in srgb,var(--soft) 55%,var(--paper))}
tbody tr:last-child>*{border-bottom:0}tbody tr:hover{background:color-mix(in srgb,var(--soft) 40%,transparent)}
.zt td:first-child a{text-decoration:none}.zt td{min-width:120px}
.vs th[scope],.vs tbody th{width:22%;font-weight:600}.vs td{min-width:200px}
tr.na .tot{color:var(--mut)}
/* tiles */
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:48px}
.tile{display:flex;flex-direction:column;gap:8px;padding:24px;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);text-decoration:none;transition:border-color .15s,transform .15s,box-shadow .15s}
.tile:hover{border-color:color-mix(in srgb,var(--acc) 50%,var(--line));transform:translateY(-2px);box-shadow:0 10px 30px -18px rgba(20,33,61,.35)}
.tile strong{font-size:1.12rem;letter-spacing:-.015em}.tile span:last-child{color:var(--ink2)}
.glist{list-style:none;padding:0;display:grid;gap:12px}.glist li{margin:0}
.glist a{display:block;padding:18px 20px;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);text-decoration:none}.glist a:hover{border-color:var(--acc)}
/* facts */
.facts{display:grid;grid-template-columns:minmax(140px,30%) 1fr;margin:0 0 1.6em;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.facts dt,.facts dd{margin:0;padding:13px 18px;border-bottom:1px solid var(--line)}.facts dt{color:var(--mut);font-size:.9rem}
.facts dt:nth-last-of-type(1),.facts dd:last-child{border-bottom:0}
/* prose */
.prose{padding-top:8px;padding-bottom:24px}.prose h1{margin-top:12px}.prose ul,.prose ol{padding-left:1.25em}
.crumb{margin:28px 0 0;color:var(--mut)}.crumb a{color:var(--mut);text-decoration:none}.crumb a:hover{color:var(--ink)}
.steps{counter-reset:s;list-style:none;padding:0!important}.steps>li{counter-increment:s;position:relative;padding:0 0 18px 52px;margin:0 0 18px;border-bottom:1px solid var(--line)}
.steps>li::before{content:counter(s);position:absolute;left:0;top:-2px;width:34px;height:34px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font:600 .9rem "Geist Mono",monospace}
.steps>li p{margin:.3em 0 0;color:var(--ink2)}
.src{border-top:1px solid var(--line);padding-top:14px;margin-top:28px}.src a{color:var(--mut)}.src ul{padding-left:1.1em}
.plain{list-style:none;padding:0!important}
.next{margin:32px 0;padding:22px;border-radius:var(--r);background:var(--soft)}
/* faq */
.faq{margin:48px 0}.faq details{border-bottom:1px solid var(--line)}.faq details:first-of-type{border-top:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;padding:18px 36px 18px 0;font-weight:560;position:relative}.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:6px;top:14px;font-size:1.4rem;color:var(--acc);transition:transform .2s}.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{color:var(--ink2);margin:0 0 18px}
/* calculator */
.calc{display:flex;flex-wrap:wrap;align-items:flex-end;gap:16px 28px;padding:22px;margin:8px 0 18px;background:var(--paper);border:1px solid var(--line);border-radius:var(--r)}
.calc label{display:flex;flex-direction:column;gap:6px;font-weight:560;font-size:.92rem}
.calc select{font:inherit;min-height:48px;padding:0 40px 0 14px;border:1px solid var(--line);border-radius:10px;background:var(--bg);color:var(--ink);appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--ink) 50%),linear-gradient(135deg,var(--ink) 50%,transparent 50%);background-position:calc(100% - 20px) 21px,calc(100% - 15px) 21px;background-size:5px 5px;background-repeat:no-repeat}
.calc .chk{flex-direction:row;align-items:center;min-height:48px;gap:10px;font-weight:500}.chk input{width:20px;height:20px;accent-color:var(--acc)}
.calc-t .tot{font-size:1.05rem;font-weight:620}.calc-t td.how{min-width:240px}
/* referral */
.adbox{margin:32px 0;padding:22px;border:1px dashed color-mix(in srgb,var(--acc) 60%,var(--line));border-radius:var(--r);background:var(--paper)}
.adtag{display:inline-block;font:600 .7rem "Geist Mono",monospace;text-transform:uppercase;letter-spacing:.08em;color:var(--acc2);background:var(--soft);padding:3px 8px;border-radius:6px;margin-bottom:8px}
/* footer */
.foot{margin-top:96px;padding:48px 0 40px;border-top:1px solid var(--line);background:var(--paper);font-size:.92rem}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px;margin-bottom:28px}
.fgrid>div>a{display:block;color:var(--ink2);text-decoration:none;padding:5px 0}.fgrid>div>a:hover{color:var(--acc2)}.fgrid .brand{padding:0;margin-bottom:10px;color:var(--ink)}
.fh{font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;color:var(--mut);margin:0 0 8px;font-weight:560}
.fine{color:var(--mut);font-size:.82rem;max-width:80ch;margin:0 0 .5em}
:focus-visible{outline:2px solid var(--acc);outline-offset:2px;border-radius:6px}
@media (max-width:860px){.grid3{grid-template-columns:1fr}.fgrid{grid-template-columns:1fr 1fr}}
@media (max-width:720px){
 .nav-toggle{display:grid}
 .top nav{display:none;position:absolute;left:0;right:0;top:64px;flex-direction:column;gap:0;padding:8px 16px 16px;background:var(--bg);border-bottom:1px solid var(--line);box-shadow:0 18px 30px -20px rgba(20,33,61,.3)}
 .top nav.open,.top[data-open] nav{display:flex}.top nav a{padding:14px 10px;font-size:1.02rem;border-bottom:1px solid var(--line);border-radius:0}.top nav a:last-child{border-bottom:0}
 .in{padding:0 18px}th,td{padding:12px 13px}.facts{grid-template-columns:1fr}.facts dt{border-bottom:0;padding-bottom:0}
 .fgrid>div:first-child{grid-column:1/-1}
 .calc-t thead{display:none}.calc-t tr{display:grid;grid-template-columns:1fr auto;border-bottom:1px solid var(--line)}.calc-t tbody tr:last-child{border-bottom:0}
 .calc-t td{border:0}.calc-t td.how{grid-column:1/-1;min-width:0;padding-top:0}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* ===== 2026-10 redesign: fintech-grade hero, quote card, calculator layout ===== */
.top{background:color-mix(in srgb,#fff 90%,transparent)}
.hero{background:radial-gradient(800px 420px at 90% -10%,rgba(46,196,160,.22),transparent 65%),linear-gradient(180deg,var(--navy),#10233f);color:#fff;padding:clamp(40px,7vw,88px) 0 clamp(40px,7vw,88px)}
.hero h1{color:#fff;max-width:16ch}.hero .lede{color:#c9d3e3}.hero .kicker{color:var(--mint)}
.hero .link{color:#fff}.hero .link:hover{color:var(--mint)}
.hero .btn{background:var(--mint);color:var(--navy)}.hero .btn:hover{background:#fff;color:var(--navy)}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(28px,5vw,64px);align-items:center}
.trust{list-style:none;padding:0;margin:22px 0 0;display:flex;flex-wrap:wrap;gap:8px 20px;color:#dfe6f1;font-size:.92rem}
.trust li{margin:0;display:flex;align-items:center;gap:8px}.trust li::before{content:"";width:16px;height:16px;border-radius:50%;background:var(--mint) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4.5 8.2l2.2 2.2 4.8-4.8' fill='none' stroke='%230b1a30' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/16px no-repeat;flex:none}
.qcard{background:#fff;color:var(--ink);border-radius:20px;padding:22px;box-shadow:0 30px 60px -30px rgba(0,0,0,.55);position:relative}
.qc-h{font-weight:620;font-size:1.05rem;margin:0 0 14px;letter-spacing:-.01em}
.seg{display:flex;align-items:center;gap:6px;background:var(--soft);border-radius:12px;padding:4px;margin-bottom:14px}
.seg-l{font-size:.85rem;color:var(--ink2);padding:0 8px 0 6px;margin-right:auto}
.seg label{min-width:44px;min-height:40px;display:grid;place-items:center;border-radius:9px;font-weight:600;cursor:pointer;color:var(--ink2);font-variant-numeric:tabular-nums}
.seg label:hover{color:var(--ink)}
#qv0:checked~.seg label[for=qv0],#qv1:checked~.seg label[for=qv1],#qv2:checked~.seg label[for=qv2],#qv3:checked~.seg label[for=qv3]{background:#fff;color:var(--ink);box-shadow:0 1px 3px rgba(13,27,46,.18)}
#qv0:focus-visible~.seg label[for=qv0],#qv1:focus-visible~.seg label[for=qv1],#qv2:focus-visible~.seg label[for=qv2],#qv3:focus-visible~.seg label[for=qv3]{outline:2px solid var(--acc);outline-offset:1px}
.qp{display:none;list-style:none;padding:0;margin:0;counter-reset:q}
#qv0:checked~.qps .qp0,#qv1:checked~.qps .qp1,#qv2:checked~.qps .qp2,#qv3:checked~.qps .qp3{display:block}
.qp li{margin:0;counter-increment:q}.qp li+li{border-top:1px solid var(--line)}
.qp a{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:12px 4px;text-decoration:none;color:var(--ink)}
.qp a>span:first-child{display:flex;flex-direction:column;line-height:1.35}.qp a:hover strong{color:var(--acc2)}
.qp .num{font-weight:650;font-size:1.08rem}
.qp li:first-child .num{color:var(--acc2)}
.qc-n{margin:10px 0 14px}
.btn.wide{width:100%;justify-content:center}
.subnav{background:#fff;border-bottom:1px solid var(--line)}
.subnav .in{display:flex;gap:4px;overflow-x:auto;scrollbar-width:none}.subnav .in::-webkit-scrollbar{display:none}
.subnav a{flex:none;padding:14px 12px;color:var(--ink2);text-decoration:none;font-size:.93rem;font-weight:500}.subnav a:hover{color:var(--acc2)}
.sect{color:var(--ink);font-size:clamp(1.35rem,2.6vw,1.75rem);text-transform:none;letter-spacing:-.025em;font-weight:620;margin:64px 0 18px}
.tablewrap{box-shadow:var(--sh);border-color:var(--line)}
thead th{background:#f8fafc;position:sticky;top:0}
tbody tr:nth-child(even){background:#fafbfd}
.zt strong.num{font-size:1.02rem}
.tile{box-shadow:var(--sh)}.tk{font-size:.75rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--acc2)}
.btn{background:var(--ink)}.btn:hover{background:var(--acc2)}
a{text-decoration-color:color-mix(in srgb,var(--acc) 60%,transparent)}a:hover{color:var(--acc2)}
.next{background:#fff;border:1px solid var(--line);box-shadow:var(--sh);display:flex;flex-wrap:wrap;align-items:center;gap:12px 24px}
.calc-grid{display:grid;grid-template-columns:300px 1fr;gap:24px;align-items:start;margin-top:12px}
.calc-side{position:sticky;top:84px;display:grid;gap:16px}
.calc-side .calc{flex-direction:column;align-items:stretch;margin:0;box-shadow:var(--sh)}
.calc-side .calc select{width:100%}
.sum{background:var(--navy);color:#fff;border-radius:var(--r);padding:20px 22px}.sum p{margin:0 0 4px}.sum .mut{color:#b6c2d6;margin-top:10px}
.sum-k{font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:var(--mint)}
.sum-v{font-size:2rem;font-weight:650;letter-spacing:-.03em;line-height:1.2}
.calc-main{min-width:0}
.foot{background:var(--navy);color:#c9d3e3;border-top:0}.foot .brand{color:#fff}.foot .brand svg{color:var(--mint)}
.foot .mut,.foot .fine{color:#a9b6cb}.fgrid>div>a{color:#dfe6f1}.fgrid>div>a:hover{color:var(--mint)}.fh{color:#a9b6cb}
.foot a{color:#dfe6f1}
.foot :focus-visible{outline-color:var(--mint)}
.empty{padding:clamp(48px,10vw,120px) 24px}.empty .kicker{color:var(--acc2)}
.adbox{border-style:solid;border-color:color-mix(in srgb,var(--acc) 35%,var(--line));background:#f6fbf9}
.adtag{color:var(--acc2);background:#dff3ec}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}.calc-grid{grid-template-columns:1fr}.calc-side{position:static}}
@media (max-width:720px){.hero h1{font-size:2.05rem}.qcard{padding:18px}.seg-l{font-size:.8rem}.sum-v{font-size:1.7rem}}
.sr{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.friction{color:#c9d3e3;font-size:.92rem}
.trustband{margin-top:40px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:var(--sh)}.trustband h2{font-size:1.15rem;margin:0 0 12px}
.trustband .trust{color:var(--ink2);margin:0}.trustband .trust li::before{background-color:var(--acc);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4.5 8.2l2.2 2.2 4.8-4.8' fill='none' stroke='%23fff' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}