/* ===== RESET & BASE ===== */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:'Inter',system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:#1a202c;background:#f0f4f8;line-height:1.6;-webkit-font-smoothing:antialiased}
a{text-decoration:none;color:inherit}
ul{list-style:none}
img{max-width:100%;display:block}

/* ===== CSS VARIABLES ===== */
:root{
  --blue:#0066FF;--blue-dark:#0052CC;--blue-light:#EBF3FF;--blue-mid:#3385FF;
  --green:#00B67A;--green-dark:#009960;--green-light:#E6F7F1;
  --orange:#FF6B00;--orange-light:#FFF3E6;
  --gold:#F5A623;--gold-light:#FEF8EC;
  --red:#E53E3E;--red-light:#FEF2F2;
  --gray-50:#F9FAFB;--gray-100:#F3F4F6;--gray-200:#E5E7EB;--gray-300:#D1D5DB;
  --gray-400:#9CA3AF;--gray-500:#6B7280;--gray-600:#4B5563;--gray-700:#374151;
  --gray-800:#1F2937;--gray-900:#111827;
  --white:#FFFFFF;
  --shadow-sm:0 1px 2px rgba(0,0,0,.05);
  --shadow:0 1px 3px rgba(0,0,0,.1),0 1px 2px rgba(0,0,0,.06);
  --shadow-md:0 4px 6px rgba(0,0,0,.07),0 2px 4px rgba(0,0,0,.06);
  --shadow-lg:0 10px 15px rgba(0,0,0,.1),0 4px 6px rgba(0,0,0,.05);
  --shadow-xl:0 20px 25px rgba(0,0,0,.1),0 10px 10px rgba(0,0,0,.04);
  --radius-sm:6px;--radius:8px;--radius-md:12px;--radius-lg:16px;--radius-xl:24px;
  --transition:all .2s ease;
}

/* ===== LAYOUT ===== */
.container{max-width:1200px;margin:0 auto;padding:0 20px}
.section{padding:56px 0}
.section--gray{background:var(--gray-50)}
.section--white{background:var(--white)}

/* ===== HEADER ===== */
.header{
  position:sticky;top:0;z-index:999;
  background:rgba(255,255,255,.97);
  backdrop-filter:blur(12px);
  border-bottom:1px solid var(--gray-200);
  box-shadow:var(--shadow-sm);
}
.header-inner{display:flex;align-items:center;height:68px;gap:32px}
.logo{display:flex;align-items:center;gap:10px;flex-shrink:0}
.logo-mark{
  width:38px;height:38px;border-radius:9px;
  background:linear-gradient(135deg,#0066FF,#00B67A);
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 3px 8px rgba(0,102,255,.3);
}
.logo-mark svg{width:20px;height:20px;fill:none;stroke:#fff;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}
.logo-text{font-size:20px;font-weight:800;color:var(--gray-900)}
.logo-text span{color:var(--blue)}
.nav{display:flex;align-items:center;gap:4px;margin-left:auto}
.nav-link{
  padding:8px 16px;border-radius:var(--radius);
  font-size:14px;font-weight:500;color:var(--gray-600);
  transition:var(--transition);
}
.nav-link:hover{color:var(--blue);background:var(--blue-light)}
.nav-link.active{color:var(--blue);background:var(--blue-light);font-weight:600}
.header-cta{
  margin-left:16px;
  background:var(--blue);color:#fff;
  padding:9px 20px;border-radius:var(--radius);
  font-size:14px;font-weight:600;
  transition:var(--transition);
  white-space:nowrap;
  box-shadow:0 2px 8px rgba(0,102,255,.3);
}
.header-cta:hover{background:var(--blue-dark);transform:translateY(-1px);box-shadow:0 4px 12px rgba(0,102,255,.4)}

/* ===== HERO ===== */
.hero{
  background:linear-gradient(135deg,#001A4D 0%,#003399 45%,#0055CC 75%,#0077FF 100%);
  padding:64px 0 80px;position:relative;overflow:hidden;
}
.hero::before{
  content:'';position:absolute;inset:0;
  background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Ccircle cx='30' cy='30' r='1'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero::after{
  content:'';position:absolute;bottom:0;left:0;right:0;height:60px;
  background:#f0f4f8;clip-path:ellipse(55% 100% at 50% 100%);
}
.hero-content{position:relative;z-index:1}
.hero-badge{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25);
  color:#fff;padding:6px 16px;border-radius:100px;
  font-size:13px;font-weight:600;margin-bottom:24px;
  backdrop-filter:blur(10px);
}
.hero-badge-dot{width:8px;height:8px;background:#00FF87;border-radius:50%;animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.4}}
.hero-title{
  font-size:clamp(32px,4.5vw,58px);font-weight:900;color:#fff;
  line-height:1.08;letter-spacing:-0.03em;margin-bottom:20px;
}
.hero-title em{
  font-style:normal;
  background:linear-gradient(90deg,#7DD3FC,#86EFAC);
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;
}
.hero-sub{font-size:17px;color:rgba(255,255,255,.8);max-width:560px;margin-bottom:40px;line-height:1.65}

/* Hero Product Switcher */
.hero-switcher{display:flex;gap:12px;margin-bottom:44px;flex-wrap:wrap}
.hero-switch{
  display:flex;align-items:center;gap:14px;
  background:rgba(255,255,255,.12);border:2px solid rgba(255,255,255,.2);
  border-radius:var(--radius-lg);padding:16px 22px;
  color:#fff;transition:var(--transition);cursor:pointer;
  min-width:210px;
}
.hero-switch:hover{background:rgba(255,255,255,.2);border-color:rgba(255,255,255,.4);transform:translateY(-2px)}
.hero-switch.active{background:rgba(255,255,255,.22);border-color:rgba(255,255,255,.55);box-shadow:0 8px 24px rgba(0,0,0,.2)}
.hs-icon{
  width:44px;height:44px;border-radius:10px;
  background:rgba(255,255,255,.2);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.hs-icon svg{width:22px;height:22px;stroke:#fff;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.hs-label{display:block;font-size:16px;font-weight:700;line-height:1.2}
.hs-sub{display:block;font-size:12px;color:rgba(255,255,255,.65);margin-top:3px}

/* Hero Stats */
.hero-stats{
  display:grid;grid-template-columns:repeat(4,1fr);
  background:rgba(255,255,255,.1);
  border:1px solid rgba(255,255,255,.15);
  border-radius:var(--radius-lg);overflow:hidden;
  backdrop-filter:blur(10px);
}
.hero-stat{padding:18px 22px;border-right:1px solid rgba(255,255,255,.1);text-align:center}
.hero-stat:last-child{border-right:none}
.hero-stat-val{display:block;font-size:26px;font-weight:900;color:#fff;line-height:1}
.hero-stat-lbl{display:block;font-size:12px;color:rgba(255,255,255,.6);margin-top:5px;font-weight:500}

/* ===== TRUST BAR ===== */
.trust-bar{background:#fff;border-bottom:1px solid var(--gray-200);padding:0}
.trust-inner{display:flex;align-items:center;justify-content:center;gap:0;flex-wrap:wrap}
.trust-item{
  display:flex;align-items:center;gap:8px;
  padding:14px 20px;border-right:1px solid var(--gray-100);
  font-size:13px;font-weight:500;color:var(--gray-600);
  white-space:nowrap;
}
.trust-item:last-child{border-right:none}
.trust-icon{width:18px;height:18px;flex-shrink:0}

/* ===== SECTION HEADER ===== */
.section-hd{margin-bottom:36px}
.section-tag{
  display:inline-block;
  background:var(--blue-light);color:var(--blue);
  font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;
  padding:5px 14px;border-radius:100px;margin-bottom:12px;
}
.section-title{font-size:clamp(24px,3vw,34px);font-weight:800;color:var(--gray-900);letter-spacing:-0.02em;margin-bottom:10px}
.section-sub{font-size:15px;color:var(--gray-500);max-width:500px}

/* ===== OFFER CARDS ===== */
.offers-list{display:flex;flex-direction:column;gap:12px}
.offer-card{
  background:#fff;border-radius:var(--radius-md);
  border:1.5px solid var(--gray-200);
  box-shadow:var(--shadow);
  transition:var(--transition);
  overflow:hidden;position:relative;
}
.offer-card:hover{border-color:var(--blue);box-shadow:var(--shadow-lg);transform:translateY(-1px)}
.offer-card.featured{border-color:#0066FF;box-shadow:0 0 0 2px rgba(0,102,255,.15),var(--shadow-md)}
.offer-card.featured::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,#0066FF,#00B67A);
}
.offer-grid{
  display:grid;
  grid-template-columns:minmax(220px,1fr) 160px minmax(180px,1fr) 180px;
  align-items:center;
  gap:0;
}
.offer-col{padding:20px 22px;border-right:1px solid var(--gray-100)}
.offer-col:last-child{border-right:none}

/* Rank badge */
.offer-rank{
  position:absolute;top:14px;left:14px;
  font-size:11px;font-weight:700;
  padding:3px 9px;border-radius:4px;z-index:1;
}
.rank-1{background:#FEF8EC;color:#B45309;border:1px solid #FCD34D}
.rank-2{background:#F9FAFB;color:#6B7280;border:1px solid var(--gray-200)}
.rank-3{background:#FEF2F2;color:#DC2626;border:1px solid #FCA5A5}

/* Bank col */
.bank-wrap{display:flex;align-items:center;gap:14px}
.bank-logo{
  width:60px;height:48px;border-radius:var(--radius);
  border:1px solid var(--gray-200);background:#fff;
  display:flex;align-items:center;justify-content:center;
  font-size:16px;font-weight:800;
  flex-shrink:0;overflow:hidden;
}
.bank-logo-inner{
  width:100%;height:100%;display:flex;align-items:center;justify-content:center;
  font-size:14px;font-weight:800;border-radius:inherit;
}
.bank-name{font-size:15px;font-weight:700;color:var(--gray-900);line-height:1.3;margin-bottom:4px}
.bank-stars{display:flex;align-items:center;gap:5px;margin-bottom:4px}
.stars{display:flex;gap:1px}
.star{width:11px;height:11px}
.bank-reviews{font-size:11px;color:var(--gray-400)}
.bank-type{display:inline-block;font-size:10px;font-weight:600;padding:2px 7px;border-radius:4px;background:var(--gray-100);color:var(--gray-500)}
.partner-chip{display:inline-flex;align-items:center;gap:4px;font-size:10px;font-weight:700;padding:2px 8px;border-radius:4px;background:#FEF8EC;color:#B45309;border:1px solid #FCD34D;margin-left:4px}

/* Rate col */
.rate-col{text-align:center;padding:20px 16px}
.rate-big{font-size:34px;font-weight:900;color:var(--green);line-height:1;letter-spacing:-0.02em}
.rate-lbl{font-size:11px;color:var(--gray-400);font-weight:500;margin-top:4px}
.rate-promo{
  display:inline-flex;align-items:center;gap:4px;
  background:var(--orange-light);color:var(--orange);
  font-size:11px;font-weight:600;padding:3px 8px;border-radius:4px;margin-top:6px;
}
.rate-duration{font-size:11px;color:var(--gray-400);margin-top:4px}

/* Features col */
.features-list{display:flex;flex-direction:column;gap:5px}
.feature-item{display:flex;align-items:flex-start;gap:7px;font-size:12.5px;color:var(--gray-600);line-height:1.35}
.check-icon{width:14px;height:14px;flex-shrink:0;margin-top:1px}

/* CTA col */
.cta-col{text-align:center;padding:20px 18px}
.offer-badge{display:inline-block;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;padding:4px 10px;border-radius:4px;margin-bottom:10px}
.badge-gold{background:#FEF8EC;color:#B45309;border:1px solid #FCD34D}
.badge-blue{background:var(--blue-light);color:var(--blue);border:1px solid #BFDBFE}
.badge-green{background:var(--green-light);color:var(--green-dark);border:1px solid #A7F3D0}
.cta-btn{
  display:block;width:100%;
  background:var(--blue);color:#fff;
  padding:11px 16px;border-radius:var(--radius);
  font-size:14px;font-weight:700;
  transition:var(--transition);
  box-shadow:0 2px 8px rgba(0,102,255,.3);
  border:none;cursor:pointer;
}
.cta-btn:hover{background:var(--blue-dark);transform:translateY(-1px);box-shadow:0 4px 14px rgba(0,102,255,.4)}
.cta-note{font-size:11px;color:var(--gray-400);margin-top:7px}

/* Duration Filter */
.duration-filter{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:28px}
.dur-btn{
  padding:9px 20px;border-radius:100px;border:1.5px solid var(--gray-200);
  background:#fff;color:var(--gray-600);font-size:13px;font-weight:600;
  cursor:pointer;transition:var(--transition);font-family:inherit;
}
.dur-btn:hover{border-color:var(--blue);color:var(--blue)}
.dur-btn.active{background:var(--blue);border-color:var(--blue);color:#fff;box-shadow:0 2px 8px rgba(0,102,255,.3)}

/* Loading */
.loading{display:flex;flex-direction:column;align-items:center;justify-content:center;padding:60px;color:var(--gray-400)}
.spinner{width:36px;height:36px;border:3px solid var(--gray-200);border-top-color:var(--blue);border-radius:50%;animation:spin .7s linear infinite;margin-bottom:14px}
@keyframes spin{to{transform:rotate(360deg)}}

/* ===== CALCULATOR ===== */
.calc-section{background:linear-gradient(135deg,var(--blue-light) 0%,#E6F7F1 100%);padding:56px 0}
.calc-card{background:#fff;border-radius:var(--radius-xl);box-shadow:var(--shadow-xl);padding:40px;border:1px solid var(--gray-200)}
.calc-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:28px;margin-bottom:32px}
.calc-label{display:block;font-size:12px;font-weight:700;color:var(--gray-500);text-transform:uppercase;letter-spacing:.6px;margin-bottom:8px}
.calc-input-wrap{display:flex;align-items:center;border:2px solid var(--gray-200);border-radius:var(--radius);overflow:hidden;transition:var(--transition)}
.calc-input-wrap:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px rgba(0,102,255,.1)}
.calc-affix{padding:11px 13px;background:var(--gray-50);color:var(--gray-500);font-size:14px;font-weight:600;border-right:1px solid var(--gray-200);white-space:nowrap}
.calc-affix-right{border-right:none;border-left:1px solid var(--gray-200)}
.calc-in{flex:1;padding:11px 13px;border:none;outline:none;font-size:18px;font-weight:700;color:var(--gray-900);font-family:inherit;background:transparent;min-width:0}
.calc-presets{display:flex;gap:6px;margin-top:8px;flex-wrap:wrap}
.preset{padding:4px 11px;border:1px solid var(--gray-200);border-radius:100px;font-size:11px;font-weight:600;color:var(--gray-500);cursor:pointer;transition:var(--transition);font-family:inherit;background:#fff}
.preset:hover{border-color:var(--blue);color:var(--blue)}
.calc-slider{width:100%;height:4px;border-radius:2px;accent-color:var(--blue);cursor:pointer;margin-top:10px}
.calc-results{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:14px}
.calc-res{padding:20px;border-radius:var(--radius-md);background:var(--gray-50);border:1px solid var(--gray-200);text-align:center}
.calc-res.primary{background:var(--blue-light);border-color:#BFDBFE}
.calc-res-val{font-size:26px;font-weight:900;color:var(--gray-900)}
.calc-res.primary .calc-res-val{color:var(--blue)}
.calc-res-lbl{font-size:12px;color:var(--gray-500);margin-top:5px}
.calc-disc{font-size:11px;color:var(--gray-400);margin-top:20px;line-height:1.6}

/* ===== USP ===== */
.usp-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.usp-card{background:#fff;border-radius:var(--radius-md);padding:28px;border:1px solid var(--gray-200);box-shadow:var(--shadow-sm);transition:var(--transition)}
.usp-card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}
.usp-icon{width:48px;height:48px;border-radius:var(--radius);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.usp-icon svg{width:24px;height:24px;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;fill:none}
.usp-title{font-size:16px;font-weight:700;margin-bottom:8px;color:var(--gray-900)}
.usp-text{font-size:13.5px;color:var(--gray-500);line-height:1.65}

/* ===== INFO CARDS ===== */
.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.info-card{background:var(--gray-50);border-radius:var(--radius-md);padding:28px;border:1px solid var(--gray-200)}
.info-card h3{font-size:16px;font-weight:700;margin-bottom:10px;color:var(--gray-900);display:flex;align-items:center;gap:8px}
.info-card h3 svg{width:18px;height:18px;stroke-width:2;stroke:var(--blue);fill:none}
.info-card p{font-size:13px;color:var(--gray-600);line-height:1.65;margin-bottom:14px}
.info-card ul{display:flex;flex-direction:column;gap:5px;margin-bottom:16px}
.info-card ul li{font-size:13px;color:var(--gray-600);display:flex;align-items:center;gap:7px}
.info-card ul li::before{content:'✓';color:var(--green);font-weight:700;flex-shrink:0}
.info-link{font-size:13px;font-weight:600;color:var(--blue);display:inline-flex;align-items:center;gap:5px;transition:var(--transition)}
.info-link:hover{gap:9px}

/* Section CTA */
.section-cta{text-align:center;margin-top:32px}
.btn-outline{
  display:inline-flex;align-items:center;gap:8px;
  padding:12px 28px;border-radius:var(--radius);
  border:2px solid var(--blue);color:var(--blue);
  font-size:14px;font-weight:700;transition:var(--transition);
  font-family:inherit;background:#fff;cursor:pointer;
}
.btn-outline:hover{background:var(--blue);color:#fff}

/* ===== PARTNERS ===== */
.partners-sec{background:#fff;padding:32px 0;border-top:1px solid var(--gray-100);border-bottom:1px solid var(--gray-100)}
.partners-lbl{text-align:center;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--gray-400);margin-bottom:20px}
.partners-scroll{overflow:hidden}
.partners-track{display:flex;gap:12px;animation:marquee 35s linear infinite;width:max-content}
.partners-track:hover{animation-play-state:paused}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.partner-pill{
  display:flex;align-items:center;justify-content:center;
  background:var(--gray-50);border:1px solid var(--gray-200);
  border-radius:var(--radius);padding:10px 18px;
  font-size:13px;font-weight:700;color:var(--gray-600);
  white-space:nowrap;min-width:110px;
  transition:var(--transition);flex-shrink:0;
}
.partner-pill:hover{border-color:var(--blue);color:var(--blue)}

/* ===== FOOTER ===== */
.footer{background:var(--gray-900);color:rgba(255,255,255,.6);padding:56px 0 0}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.08)}
.footer-logo{display:flex;align-items:center;gap:10px;margin-bottom:14px}
.footer-logo .logo-mark{box-shadow:none}
.footer-logo-text{font-size:18px;font-weight:800;color:#fff}
.footer-logo-text span{color:#60A5FA}
.footer-desc{font-size:13px;line-height:1.7;max-width:280px;margin-bottom:18px}
.footer-trust{display:flex;gap:10px;flex-wrap:wrap}
.footer-trust-chip{display:flex;align-items:center;gap:5px;padding:5px 11px;background:rgba(255,255,255,.08);border-radius:6px;font-size:11px;font-weight:600;color:rgba(255,255,255,.7)}
.footer-col h4{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:rgba(255,255,255,.3);margin-bottom:14px}
.footer-col ul li{margin-bottom:9px}
.footer-col ul a{font-size:13.5px;color:rgba(255,255,255,.55);transition:var(--transition)}
.footer-col ul a:hover{color:#fff}
.footer-bottom{padding:24px 0}
.footer-disc{font-size:11px;color:rgba(255,255,255,.3);line-height:1.7;margin-bottom:10px}
.footer-copy{font-size:12px;color:rgba(255,255,255,.35)}

/* ===== COOKIE ===== */
.cookie{
  position:fixed;bottom:20px;left:20px;right:20px;
  background:var(--gray-900);border-radius:var(--radius-md);
  box-shadow:var(--shadow-xl);z-index:9999;display:none;
  animation:slideUp .4s ease;
}
.cookie.show{display:block}
@keyframes slideUp{from{transform:translateY(20px);opacity:0}to{transform:translateY(0);opacity:1}}
.cookie-inner{display:flex;align-items:center;gap:16px;padding:16px 20px;flex-wrap:wrap}
.cookie-text{flex:1;font-size:13px;color:rgba(255,255,255,.8);line-height:1.5}
.cookie-text a{color:#60A5FA}
.cookie-btns{display:flex;gap:8px;flex-shrink:0}
.cookie-btn{padding:8px 18px;border-radius:var(--radius-sm);font-size:13px;font-weight:600;cursor:pointer;border:none;font-family:inherit}
.cookie-btn-sec{background:rgba(255,255,255,.1);color:rgba(255,255,255,.8)}
.cookie-btn-pri{background:var(--blue);color:#fff}

/* ===== RESPONSIVE ===== */
@media(max-width:1024px){
  .offer-grid{grid-template-columns:1fr 130px 1fr 160px}
  .hero-stats{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:768px){
  .nav,.header-cta{display:none}
  .offer-grid{display:flex;flex-direction:column}
  .offer-col{border-right:none;border-bottom:1px solid var(--gray-100);padding:16px}
  .offer-col:last-child{border-bottom:none}
  .hero-stats{grid-template-columns:repeat(2,1fr)}
  .hero-switch{min-width:auto;flex:1}
  .calc-grid,.calc-results{grid-template-columns:1fr}
  .usp-grid,.info-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:480px){
  .container{padding:0 14px}
  .hero{padding:40px 0 60px}
  .hero-title{font-size:28px}
  .hero-stats{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr}
}
@media(max-width:360px){
  /* Allow calculator controls to shrink inside the card on narrow phones. */
  .calc-grid{grid-template-columns:minmax(0,1fr)}
  .calc-field{min-width:0}
}

/* ===== ANIMATIONS ===== */
.fade-in{animation:fadeIn .35s ease forwards}
@keyframes fadeIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}