@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&family=Manrope:wght@400;600;700;800&display=swap');

:root {
  --bg: linear-gradient(180deg, #f8fbff 0%, #eef4ff 58%, #f8fbff 100%);
  --bg-solid: #f8fbff;
  --ink: #0f172a;
  --muted: #55607a;
  --line: #dce6ff;
  --panel: #ffffff;
  --blue: #1e5de9;
  --blue-strong: #0f46b9;
  --green: #10ad83;
  --dark: #0d1d4b;
  --soft-blue: #eaf0ff;
  --soft-green: #e9f9f3;
  --shadow: 0 18px 50px rgba(13, 29, 75, .09);
  --shadow-soft: 0 8px 28px rgba(15, 55, 157, .08);
  --radius-xl: 16px;
  --radius-sm: 12px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--bg-solid);
  font: 16px/1.6 Manrope, Inter, Segoe UI, Roboto, Arial, sans-serif;
  overflow-x: hidden;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

main p a,
footer a {
  color: var(--blue);
  font-weight: 600;
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
}

.wrap {
  width: min(1160px, calc(100% - 32px));
  margin: 0 auto;
}

.topbar {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, .9);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(31, 92, 221, .14);
  box-shadow: 0 1px 0 rgba(255, 255, 255, .6) inset;
}
.nav {
  min-height: 72px;
  display: flex;
  align-items: center;
  gap: 24px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 800;
  letter-spacing: .01em;
  margin-right: auto;
}
.mark {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  object-fit: cover;
  box-shadow: var(--shadow-soft);
  flex: 0 0 36px;
  background: #fff;
}
.navlinks {
  display: flex;
  align-items: center;
  gap: 18px;
  color: var(--muted);
  font-size: 14px;
}
.navlinks a:hover { color: var(--blue-strong); }
.lang {
  display: flex;
  gap: 6px;
  padding: 4px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
  box-shadow: var(--shadow-soft);
}
.lang a {
  min-width: 34px;
  text-align: center;
  padding: 6px 8px;
  border-radius: 8px;
  font-weight: 700;
  color: var(--muted);
}
.lang a.active { color: #fff; background: var(--blue-strong); }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 12px 18px;
  border-radius: 12px;
  border: 1px solid transparent;
  background: var(--blue-strong);
  color: #fff;
  font-weight: 700;
  letter-spacing: .01em;
  cursor: pointer;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease;
}
.btn.secondary {
  background: #fff;
  color: var(--dark);
  border-color: var(--line);
  box-shadow: var(--shadow-soft);
}
.btn.green { background: var(--green); }
.btn:hover { transform: translateY(-1px); }
.btn.green:hover,
.btn.secondary:hover { box-shadow: 0 8px 20px rgba(20, 96, 236, .17); }
.btn.green:hover { background: #0b966e; }

.hero {
  padding: 58px 0 38px;
  position: relative;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0 -10% auto -10%;
  height: 420px;
  background:
    radial-gradient(120px 120px at 10% 30%, rgba(14, 110, 254, .10), transparent 60%),
    radial-gradient(200px 200px at 78% 18%, rgba(16, 173, 131, .16), transparent 58%);
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.04fr) minmax(360px, .96fr);
  gap: 42px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 7px 10px;
  border-radius: 999px;
  background: var(--soft-blue);
  color: #0f3ea3;
  font-weight: 800;
  font-size: 12px;
  letter-spacing: .01em;
  border: 1px solid rgba(24, 75, 169, .12);
}
h1 {
  margin: 18px 0 18px;
  font-size: clamp(38px, 4.8vw, 64px);
  line-height: .98;
  letter-spacing: -0.01em;
  font-family: Manrope, Inter, sans-serif;
  font-weight: 800;
}
.lead {
  font-size: 20px;
  color: var(--muted);
  max-width: 650px;
  line-height: 1.55;
}
.article-hero {
  padding: 48px 0 18px;
}
.article-hero h1 {
  max-width: 900px;
}
.article-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 320px;
  gap: 24px;
  align-items: start;
}
.article-body {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 28px;
  box-shadow: var(--shadow-soft);
}
.article-body h2 {
  margin-top: 34px;
  font-size: clamp(26px, 2.4vw, 34px);
}
.article-body h2:first-child {
  margin-top: 0;
}
.article-body h3 {
  margin: 24px 0 8px;
  font-size: 20px;
}
.article-body p,
.article-body li {
  color: var(--muted);
}
.article-body ul,
.article-body ol {
  padding-left: 22px;
}
.article-note {
  background: var(--soft-green);
  border: 1px solid #bfe9d6;
  border-radius: 12px;
  padding: 16px;
  margin: 22px 0;
}
.sidebox {
  position: sticky;
  top: 92px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 18px;
  box-shadow: var(--shadow-soft);
}
.sidebox h2,
.sidebox h3 {
  margin: 0 0 10px;
  font-size: 20px;
}
.mini-list {
  margin: 0 0 16px;
  padding-left: 18px;
  color: var(--muted);
}
.actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin: 28px 0;
}
.proof {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  max-width: 650px;
  margin-top: 18px;
}
.proof-item {
  background: #fff;
  border: 1px solid rgba(24, 79, 191, .16);
  border-radius: 12px;
  padding: 14px;
  box-shadow: var(--shadow-soft);
}
.proof-item strong {
  display: block;
  font-size: 20px;
  color: #0f3c91;
}
.proof-item span {
  display: block;
  color: var(--muted);
  font-size: 13px;
}
.hero-card {
  border-radius: 18px;
  box-shadow: var(--shadow);
  padding: 14px;
  border: 1px solid rgba(26, 61, 131, .12);
  background: linear-gradient(180deg, #ffffff 0%, #f3f8ff 100%);
}
.hero-card img { border-radius: 8px; }

.section {
  padding: 52px 0;
  position: relative;
}
.section::before {
  content: "";
  position: absolute;
  left: 50%;
  top: 0;
  width: min(1160px, calc(100% - 32px));
  transform: translateX(-50%);
  border-top: 1px solid rgba(24, 74, 175, .10);
}
.section:first-of-type::before { content: none; }
.section h2 {
  margin: 0 0 12px;
  font-size: clamp(30px, 3vw, 44px);
  line-height: 1.08;
  letter-spacing: -0.01em;
}
.section-head {
  display: flex;
  justify-content: space-between;
  gap: 32px;
  align-items: end;
  margin-bottom: 24px;
  position: relative;
}
.section-head p {
  margin: 0;
  color: var(--muted);
  max-width: 560px;
  font-size: 16px;
}

.calculator {
  display: grid;
  grid-template-columns: minmax(0, .95fr) minmax(360px, 1.05fr);
  gap: 22px;
  align-items: stretch;
}
.panel {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 22px;
  box-shadow: var(--shadow-soft);
}
.control-grid { display: grid; gap: 16px; }
.field label,
.radio-title {
  display: block;
  color: var(--muted);
  font-weight: 700;
  font-size: 13px;
  margin-bottom: 8px;
  letter-spacing: .01em;
}
.input {
  width: 100%;
  min-height: 46px;
  border: 1px solid rgba(19, 70, 167, .20);
  border-radius: 11px;
  padding: 10px 12px;
  font: inherit;
  color: var(--ink);
  background: #fff;
}
.segmented {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}
.segmented label {
  cursor: pointer;
}
.segmented input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}
.segmented span {
  display: flex;
  min-height: 48px;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(19, 70, 167, .20);
  border-radius: 11px;
  background: #fff;
  font-weight: 800;
}
.segmented input:checked + span {
  color: #fff;
  background: linear-gradient(90deg, #1e5de9 0%, #0f46b9 100%);
  border-color: #1e5de9;
}
.result-grid {
  display: grid;
  gap: 10px;
}
.result {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 16px;
  padding: 16px;
  border-radius: 11px;
  border: 1px solid var(--line);
  background: #f9fbfe;
  align-items: center;
}
.result b {
  font-size: 22px;
  font-weight: 800;
}
.result small {
  display: block;
  color: var(--muted);
  text-align: right;
}
.result.save {
  background: var(--soft-green);
  border-color: #bfe9d6;
  box-shadow: 0 10px 28px rgba(16, 173, 131, .16);
}

.steps,
.cards,
.wallets {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}
.step,
.card,
.wallet {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 20px;
  box-shadow: var(--shadow-soft);
}
.step-num {
  width: 32px;
  height: 32px;
  border-radius: 10px;
  display: grid;
  place-items: center;
  background: #e5f4ef;
  color: #0f966e;
  font-weight: 900;
  margin-bottom: 14px;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, .75);
}
.card h3,
.step h3,
.wallet h3 {
  margin: 0 0 8px;
  font-size: 20px;
  letter-spacing: -0.01em;
}
.card p,
.step p,
.wallet p {
  margin: 0;
  color: var(--muted);
}

.faq {
  display: grid;
  gap: 10px;
}
details {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 16px 18px;
  box-shadow: var(--shadow-soft);
}
summary {
  cursor: pointer;
  font-weight: 700;
  color: #0f1e47;
}
details p {
  color: var(--muted);
  margin: 10px 0 0;
}

.cta-band {
  background: linear-gradient(95deg, #102c78 0%, #0f5de7 100%);
  color: #fff;
  border-radius: 16px;
  padding: 34px;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 22px;
  align-items: center;
  border: 1px solid rgba(255, 255, 255, .16);
  box-shadow: 0 18px 36px rgba(12, 29, 79, .22);
}
.cta-band p {
  color: #c7d0dd;
  margin: 8px 0 0;
}
.cta-band .btn {
  border-color: rgba(255,255,255,.4);
}

.footer {
  padding: 32px 0 44px;
  color: var(--muted);
  font-size: 14px;
}

@media (max-width: 920px) {
  .navlinks { display: none; }
  .hero-grid,
  .article-layout,
  .calculator,
  .cta-band {
    grid-template-columns: 1fr;
  }
  .hero-card { order: -1; }
  .proof,
  .steps,
  .cards,
  .wallets {
    grid-template-columns: 1fr;
  }
  .section-head {
    display: block;
  }
}

@media (max-width: 560px) {
  .wrap { width: min(100% - 22px, 1160px); }
  .hero { padding-top: 28px; }
  h1 { font-size: 38px; }
  .lead { font-size: 17px; }
  .actions .btn { width: 100%; }
  .panel { padding: 16px; }
  .cta-band { padding: 22px; }
  .article-body { padding: 18px; }
}

@media (prefers-reduced-motion: no-preference) {
  .hero-grid > div > * {
    animation: fadeUp .52s ease both;
    animation-delay: 120ms;
  }
  .hero-card {
    animation: fadeUp .58s .1s ease both;
  }
  .proof-item:nth-child(2) { animation-delay: .18s; }
  .proof-item:nth-child(3) { animation-delay: .24s; }
}

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(12px); }
  to { opacity: 1; transform: translateY(0); }
}