:root{
  --primary:#0F62FE;
  --secondary:#14B8A6;
  --accent:#F59E0B;
  --bg:#F8FAFC;
  --text:#1F2937;
  --muted:#64748B;
  --card:rgba(255,255,255,.72);
  --stroke:rgba(15,98,254,.12);
  --shadow:0 18px 50px rgba(15,23,42,.08);
  --radius:20px;
  --font:"Manrope", "Segoe UI", sans-serif;
  --display:"Fraunces", Georgia, serif;
}
[data-theme="dark"]{
  --bg:#0B1220;
  --text:#E5E7EB;
  --muted:#94A3B8;
  --card:rgba(15,23,42,.72);
  --stroke:rgba(148,163,184,.18);
  --shadow:0 18px 50px rgba(0,0,0,.35);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--font);
  color:var(--text);
  background:
    radial-gradient(1200px 600px at 10% -10%, rgba(15,98,254,.18), transparent 60%),
    radial-gradient(900px 500px at 100% 0%, rgba(20,184,166,.16), transparent 55%),
    linear-gradient(180deg, #EEF5FF 0%, var(--bg) 40%, #F1F5F9 100%);
  min-height:100vh;
  line-height:1.6;
}
[data-theme="dark"] body,
html[data-theme="dark"] body{
  background:
    radial-gradient(1000px 500px at 10% -10%, rgba(15,98,254,.25), transparent 60%),
    radial-gradient(800px 400px at 100% 0%, rgba(20,184,166,.18), transparent 55%),
    #0B1220;
}
img{max-width:100%;height:auto}
a{color:var(--primary);text-decoration:none}
a:hover{text-decoration:underline}
.container{width:min(1120px,calc(100% - 2rem));margin-inline:auto}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}
.skip-link{position:absolute;left:-999px;top:0;background:#000;color:#fff;padding:.75rem 1rem;z-index:100}
.skip-link:focus{left:1rem;top:1rem}
.site-header{
  position:sticky;top:0;z-index:50;
  backdrop-filter:blur(16px);
  background:rgba(248,250,252,.75);
  border-bottom:1px solid var(--stroke);
}
[data-theme="dark"] .site-header{background:rgba(11,18,32,.8)}
.header-inner{display:flex;align-items:center;gap:1rem;padding:.85rem 0;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:.65rem;color:var(--text);font-weight:700;text-decoration:none}
.logo-mark{width:2.1rem;height:2.1rem;border-radius:12px;background:linear-gradient(135deg,var(--primary),var(--secondary));color:#fff;display:grid;place-items:center}
.logo-text{font-family:var(--display);font-size:1.25rem}
.main-nav{display:flex;gap:.9rem;flex-wrap:wrap}
.main-nav a{color:var(--text);opacity:.86;font-size:.95rem}
.header-actions{margin-left:auto;display:flex;align-items:center;gap:.6rem;flex-wrap:wrap}
.search-form input{
  border:1px solid var(--stroke);background:var(--card);border-radius:999px;padding:.45rem .9rem;min-width:8rem;color:var(--text)
}
.lang-switch{display:none}
.nav-toggle{display:none;border:0;background:var(--card);border-radius:12px;padding:.45rem .7rem}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.4rem;
  border-radius:999px;padding:.7rem 1.15rem;border:1px solid transparent;font-weight:600;text-decoration:none;cursor:pointer
}
.btn-primary{background:linear-gradient(135deg,var(--primary),#3B82F6);color:#fff;box-shadow:0 10px 24px rgba(15,98,254,.28)}
.btn-ghost{background:var(--card);border-color:var(--stroke);color:var(--text)}
.theme-toggle{border:1px solid var(--stroke);background:var(--card);border-radius:999px;padding:.45rem .65rem;cursor:pointer;color:var(--text)}
.hero{
  display:grid;grid-template-columns:1.1fr .9fr;gap:1.5rem;padding:2.5rem 0 1rem;align-items:start
}
.hero-bleed{
  position:relative;left:50%;right:50%;margin-left:-50vw;margin-right:-50vw;width:100vw;
  min-height:min(58vh,520px);max-height:560px;display:grid;align-items:end;overflow:hidden;border-radius:0 0 28px 28px;
}
.hero-bleed-img{
  position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 40%;
}
.hero-bleed-overlay{
  position:relative;z-index:1;width:min(1120px,calc(100% - 2rem));margin:0 auto;padding:4.5rem 0 3rem;
  color:#fff;
  background:linear-gradient(180deg,transparent 0%,rgba(15,23,42,.55) 55%,rgba(15,23,42,.72) 100%);
  width:100%;padding-left:max(1rem,calc((100vw - 1120px)/2));padding-right:max(1rem,calc((100vw - 1120px)/2));
}
.hero-bleed .eyebrow{color:#99F6E4}
.hero-bleed h1{color:#fff;max-width:16ch}
.hero-lead{color:rgba(255,255,255,.88)}
.btn-on-dark{background:rgba(255,255,255,.14);border-color:rgba(255,255,255,.35);color:#fff;backdrop-filter:blur(8px)}
.hero-tools{padding-top:1.5rem}
.h2-soft{font-family:var(--display);font-size:clamp(1.4rem,2.5vw,2rem);margin:0 0 .5rem}
.media-frame{overflow:hidden;padding:0;margin:1rem 0 0;max-height:220px}
.media-frame img,.page-hero-img img{
  display:block;width:100%;height:100%;max-height:inherit;object-fit:cover
}
.feature-grid,.cards-3{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:1rem;
}
.feature-card{
  padding:1.35rem 1.25rem;
  display:flex;
  flex-direction:column;
  gap:.65rem;
  min-height:100%;
}
.feature-icon{
  width:2.75rem;height:2.75rem;border-radius:14px;display:grid;place-items:center;
  background:rgba(15,98,254,.12);color:var(--primary);font-weight:700;font-size:.95rem;
}
.feature-icon-teal{background:rgba(20,184,166,.14);color:#0F766E}
.feature-icon-amber{background:rgba(245,158,11,.16);color:#B45309}
.feature-card h3{margin:0;font-family:var(--display);font-size:1.2rem}
.feature-card p{margin:0;color:var(--muted);line-height:1.55;font-size:.95rem}
.product-card{
  display:flex;flex-direction:column;overflow:hidden;text-decoration:none;color:inherit;padding:0;min-height:100%;
}
.product-thumb{
  height:132px;overflow:hidden;background:rgba(15,98,254,.06);
}
.product-thumb img{
  display:block;width:100%;height:100%;object-fit:cover;
}
.product-body{padding:1rem 1.1rem 1.15rem}
.product-body h3{margin:0 0 .35rem;font-family:var(--display);font-size:1.1rem}
.product-body p{margin:0;color:var(--muted);font-size:.92rem}
.bank-card{display:block;padding:1.15rem 1.2rem;text-decoration:none;color:inherit}
.bank-card-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:.85rem}
.bank-badge{
  width:2.4rem;height:2.4rem;border-radius:12px;display:grid;place-items:center;
  background:linear-gradient(135deg,var(--primary),#3B82F6);color:#fff;font-weight:700;
}
.bank-rating{color:#B45309;font-weight:600;font-size:.92rem}
.bank-card h3{margin:0 0 .35rem;font-family:var(--display);font-size:1.15rem}
.bank-card p{margin:0;color:var(--muted)}
.page-hero-img{margin:1rem 0 1.5rem;max-height:280px;overflow:hidden}
.page-hero-img img{max-height:280px;width:100%;object-fit:cover}
.split-visual{
  display:grid;grid-template-columns:1.1fr .9fr;gap:1.5rem;align-items:center
}
.split-visual .media-frame{margin:0;max-height:280px}
.split-visual .media-frame img{width:100%;height:100%;max-height:280px;object-fit:cover}
.cta-visual{
  position:relative;overflow:hidden;padding:0;min-height:240px;max-height:300px;display:grid;place-items:center;text-align:center
}
.cta-visual>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:brightness(.55)}
.cta-visual-copy{position:relative;z-index:1;padding:2rem;max-width:36rem;margin:2rem}
.eyebrow{color:var(--secondary);font-weight:700;letter-spacing:.04em;text-transform:uppercase;font-size:.8rem}
.hero h1,.prose h1{
  font-family:var(--display);font-size:clamp(2rem,4vw,3.2rem);line-height:1.1;margin:.4rem 0 1rem;letter-spacing:-.02em
}
.lead{font-size:1.1rem;color:var(--muted);max-width:40rem}
.cta-row{display:flex;gap:.75rem;flex-wrap:wrap;margin-top:1.25rem}
.glass{
  background:var(--card);
  border:1px solid var(--stroke);
  box-shadow:var(--shadow);
  backdrop-filter:blur(14px);
  border-radius:var(--radius);
}
.calc-card,.card{padding:1.25rem}
.calc-grid{display:grid;gap:1rem}
.calc-grid label{display:grid;gap:.35rem;font-weight:600}
.calc-grid input[type=range]{width:100%}
.calc-results{display:grid;grid-template-columns:repeat(3,1fr);gap:.75rem;margin-top:1rem}
.calc-results div{background:rgba(15,98,254,.06);border-radius:16px;padding:.9rem}
.calc-results span{display:block;color:var(--muted);font-size:.85rem}
.calc-results strong{font-size:1.15rem}
.section{padding:2rem 0}
.reviews-section{padding:2.5rem 0}
.reviews-head{
  display:flex;justify-content:space-between;gap:1.25rem;align-items:flex-end;flex-wrap:wrap;margin-bottom:1.25rem
}
.reviews-head .lead{margin:0.4rem 0 0}
.reviews-score{
  display:flex;gap:1rem;align-items:center;padding:1rem 1.2rem;min-width:220px
}
.reviews-score-num{
  font-family:var(--display);font-size:2.4rem;line-height:1;color:var(--primary);font-weight:700
}
.reviews-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:1rem
}
.review-card{padding:1.25rem;display:flex;flex-direction:column;gap:.7rem;min-height:100%}
.review-top{display:grid;grid-template-columns:auto 1fr auto;gap:.75rem;align-items:center}
.review-avatar{
  width:2.6rem;height:2.6rem;border-radius:14px;display:grid;place-items:center;
  background:linear-gradient(135deg,rgba(15,98,254,.16),rgba(20,184,166,.18));
  color:var(--primary);font-weight:700;font-size:.9rem
}
.review-name{display:block;font-size:.98rem}
.review-meta{margin:0;color:var(--muted);font-size:.85rem}
.review-stars{color:#F59E0B;letter-spacing:.04em;font-size:.95rem;white-space:nowrap}
.review-title{margin:0;font-family:var(--display);font-size:1.15rem}
.review-text{margin:0;color:var(--text);line-height:1.65;flex:1}
.reviews-note{margin:1rem 0 0;font-size:.9rem}
.small{font-size:.8rem}
.card h2,.card h3{margin-top:0;font-family:var(--display)}
.breadcrumbs ol{display:flex;gap:.5rem;flex-wrap:wrap;list-style:none;padding:1rem 0 0;margin:0;color:var(--muted);font-size:.9rem}
.breadcrumbs li:not(:last-child)::after{content:"/";margin-left:.5rem;opacity:.5}
.prose{padding:1rem 0 2rem}
.prose h2{font-family:var(--display);margin-top:2rem}
.muted{color:var(--muted)}
.legal-box{border-left:4px solid var(--accent);padding:1rem 1.1rem;background:rgba(245,158,11,.08);border-radius:12px}
.faq-item{border:1px solid var(--stroke);border-radius:16px;padding:.9rem 1rem;margin:.6rem 0;background:var(--card)}
.faq-item summary{cursor:pointer;font-weight:600}
.chip-row{display:flex;flex-wrap:wrap;gap:.5rem}
.chip{padding:.45rem .8rem;border-radius:999px;background:rgba(15,98,254,.08);color:var(--text);text-decoration:none}
.cta-band{padding:2rem;text-align:center;margin:2rem 0}
.stat-row{display:flex;gap:1rem;flex-wrap:wrap;margin:1rem 0}
.stat-row span{background:rgba(20,184,166,.1);padding:.5rem .8rem;border-radius:999px}
.compare-table{overflow:auto;padding:1rem;margin:1rem 0}
.compare-table table{width:100%;border-collapse:collapse}
.compare-table th,.compare-table td{padding:.7rem;border-bottom:1px solid var(--stroke);text-align:left}
.form{display:grid;gap:.9rem;padding:1.25rem;max-width:36rem}
.form input,.form textarea{
  width:100%;padding:.7rem .85rem;border-radius:14px;border:1px solid var(--stroke);background:transparent;color:var(--text)
}
.site-footer{margin-top:3rem;padding:2.5rem 0 1.5rem;border-top:1px solid var(--stroke);background:rgba(255,255,255,.35)}
[data-theme="dark"] .site-footer{background:rgba(0,0,0,.2)}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:1.5rem}
.footer-grid a{display:block;margin:.35rem 0;color:var(--text);opacity:.85}
.footer-bottom{margin-top:1.5rem;color:var(--muted);font-size:.9rem}
.cookie-banner{
  position:fixed;bottom:1rem;left:1rem;right:1rem;z-index:9999;max-width:42rem;margin-inline:auto;
  background:#fff;border:1px solid var(--stroke);box-shadow:var(--shadow);
  border-radius:18px;padding:1rem;display:none;gap:1rem;flex-wrap:wrap;align-items:center;justify-content:space-between;
  pointer-events:auto;
}
[data-theme="dark"] .cookie-banner{background:#111827;color:#E5E7EB}
.cookie-banner.is-open{display:flex}
.cookie-banner[hidden]{display:none!important}
.cookie-actions{display:flex;gap:.6rem;flex-wrap:wrap}
.cookie-banner .btn{cursor:pointer;pointer-events:auto;position:relative;z-index:1;min-height:44px}
.sitemap-list{columns:2;gap:2rem}
@media (max-width:900px){
  .hero,.feature-grid,.cards-3,.footer-grid,.calc-results,.split-visual,.reviews-grid{grid-template-columns:1fr}
  .hero-bleed{min-height:56vh;border-radius:0 0 20px 20px}
  .page-hero-img img,.page-hero-img{max-height:180px}
  .product-thumb{height:120px}
  .split-visual .media-frame,.split-visual .media-frame img{max-height:200px}
  .cta-visual{min-height:200px;max-height:240px}
  .nav-toggle{display:inline-flex}
  .main-nav{display:none;width:100%}
  .main-nav.open{display:flex;flex-direction:column}
  .header-actions{width:100%;margin-left:0}
  .sitemap-list{columns:1}
}
.hero-copy,.calc-card,.card,.cta-band{
  animation:rise .7s ease both;
}
.calc-card{animation-delay:.08s}
.cards-3 .card:nth-child(1){animation-delay:.05s}
.cards-3 .card:nth-child(2){animation-delay:.12s}
.cards-3 .card:nth-child(3){animation-delay:.18s}
@keyframes rise{
  from{opacity:0;transform:translateY(14px)}
  to{opacity:1;transform:none}
}
.btn-primary{transition:transform .2s ease, box-shadow .2s ease}
.btn-primary:hover{transform:translateY(-1px);box-shadow:0 14px 28px rgba(15,98,254,.34);text-decoration:none}
.glass{transition:transform .25s ease, box-shadow .25s ease}
a.glass:hover{transform:translateY(-3px);text-decoration:none}
@media (prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important;scroll-behavior:auto!important}
}