:root{--white:#fff;--ink:#10261b;--muted:#4a5b53;--green:#15803d;--green-d:#14532d;--blue:#1d4ed8;--blue-d:#1e3a8a;--mint:#effaf3;--mint2:#dcfce7;--sky:#eef4ff;--line:#d8e6de;--grad:linear-gradient(120deg,#15803d 0%,#1d4ed8 100%);--shadow:0 10px 30px rgba(20,83,45,.12);--r:16px;--nav-h:72px;--font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans",sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.65;color:var(--ink);background:var(--white)}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}
h1,h2,h3{line-height:1.22;color:var(--ink);text-wrap:balance}
.skip{position:absolute;left:-9999px;top:8px;background:var(--ink);color:#fff;padding:10px 16px;border-radius:8px;z-index:2147483001}
.skip:focus{left:12px}
.wrap{max-width:1240px;margin:0 auto;padding:0 24px}
.site-head{position:sticky;top:0;z-index:2147483000;isolation:isolate;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.4) blur(8px)}
.nav{display:flex;align-items:center;height:var(--nav-h);gap:8px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;font-size:19px;letter-spacing:-.01em;white-space:nowrap;margin-right:18px}
.brand img{width:40px;height:40px}
.brand span b{color:var(--green)}
.menu{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0}
.menu>li{position:relative}
.menu>li>a,.menu>li>button{display:flex;align-items:center;gap:6px;min-height:44px;padding:0 14px;border:0;background:none;font:inherit;font-size:16px;font-weight:600;color:var(--ink);text-decoration:none;border-radius:10px;cursor:pointer;white-space:nowrap}
.menu>li>a:hover,.menu>li>button:hover,.menu>li>a[aria-current="page"]{color:var(--green);background:var(--mint)}
.menu .caret{width:10px;height:10px;transition:transform .2s}
.dd{position:absolute;top:100%;left:0;margin:0;padding:8px;list-style:none;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);width:max-content;min-width:220px;max-width:calc(100vw - 32px);visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s;z-index:2}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.has-dd:hover>.dd,.has-dd:focus-within>.dd,.has-dd.open>.dd{visibility:visible;opacity:1;transition-delay:0s}
.has-dd:hover .caret,.has-dd.open .caret{transform:rotate(180deg)}
.dd a{display:block;padding:10px 14px;border-radius:9px;color:var(--ink);text-decoration:none;font-size:15.5px;font-weight:500;white-space:nowrap}
.dd a:hover,.dd a:focus{background:var(--mint);color:var(--green-d)}
.nav-gap{flex:1;min-width:40px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:0 24px;border-radius:12px;font-weight:700;font-size:16px;text-decoration:none;border:0;cursor:pointer;white-space:nowrap}
.btn-apply,.btn-primary{background:var(--grad);color:#fff;box-shadow:0 6px 18px rgba(29,78,216,.25)}
.btn-apply:hover,.btn-primary:hover{filter:brightness(1.08)}
.btn-ghost{background:#fff;color:var(--green-d);border:2px solid var(--green)}
.nav-toggle{display:none;margin-left:auto;width:48px;height:48px;border:1px solid var(--line);border-radius:12px;background:#fff;align-items:center;justify-content:center;cursor:pointer}
.nav-toggle span,.nav-toggle span::before,.nav-toggle span::after{display:block;width:20px;height:2px;background:var(--ink);position:relative;content:""}
.nav-toggle span::before{position:absolute;top:-6px}.nav-toggle span::after{position:absolute;top:6px}
.hero{display:grid;grid-template-columns:1fr 1fr;min-height:580px;background:var(--mint);border-bottom:1px solid var(--line)}
.hero-text{display:flex;flex-direction:column;justify-content:center;align-items:center;padding:56px 32px}
.hero-text>*{width:100%;max-width:540px}
.hero-media{position:relative;min-height:320px;overflow:hidden;background:var(--mint2)}
.hero-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 30%}
.hero h1{font-size:clamp(32px,3.6vw,46px);margin:10px 0 12px;letter-spacing:-.02em}
.crumbs ol{display:flex;flex-wrap:wrap;gap:6px;list-style:none;margin:0;padding:0;font-size:14px;color:var(--muted)}
.crumbs li+li::before{content:"/";margin-right:6px;color:#9aaba3}
.crumbs a{color:var(--green-d);text-decoration:none}
.updated{margin:0 0 14px;font-size:14px;color:var(--muted)}
.answer-lead{font-size:19px;line-height:1.6;color:#22382d;margin:0 0 22px;text-wrap:balance}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px}
@media (max-width:960px){
.nav-toggle{display:inline-flex}
.menu-wrap{display:none;position:absolute;left:0;right:0;top:var(--nav-h);background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow);padding:12px 16px 20px;max-height:calc(100vh - var(--nav-h));overflow:auto}
.menu-wrap.open{display:block}
.menu{flex-direction:column;align-items:stretch}
.menu>li>a,.menu>li>button{width:100%;justify-content:space-between;min-height:48px}
.dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;padding:0 0 0 12px;width:auto;max-width:none;min-width:0}
.dd::before{display:none}
.has-dd.open>.dd{display:block}
.has-dd:hover>.dd{visibility:visible}
.dd a{min-height:44px;display:flex;align-items:center}
.nav-gap{display:none}
.menu-wrap .btn-apply{width:100%;margin-top:12px}
}
@media (min-width:961px){.menu-wrap{display:flex;align-items:center;flex:1}}
@media (max-width:900px){
.hero{grid-template-columns:1fr;min-height:0}
.hero-media{order:-1;height:340px}
.hero-text{padding:28px 16px 36px}
}
@media (max-width:760px){.wrap{padding:0 16px}body{font-size:16.5px}.answer-lead{font-size:17.5px}}
.hero-home .hero-media img{object-position:center top}
/* ---- trust chips / hero extras ---- */
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:22px;padding:0;list-style:none}
.chips li{display:inline-flex;align-items:center;gap:6px;background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 12px;font-size:14px;font-weight:600;color:#25402f}
.stars{color:#f59e0b;letter-spacing:1px}
/* ---- form card ---- */
.form-section{padding:48px 0 16px;background:linear-gradient(180deg,var(--mint) 0,#fff 70%)}
.form-card{position:relative;z-index:1;isolation:isolate;max-width:1020px;margin:0 auto;background:#fff;border-radius:16px;box-shadow:0 8px 28px rgba(20,83,45,.14),0 2px 6px rgba(30,58,138,.08);padding:34px 36px 30px;border:1px solid var(--line);overflow:hidden}
.form-card::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:var(--grad)}
.form-title{font-size:26px;font-weight:800;margin:0 0 4px;text-align:center;letter-spacing:-.01em}
.form-trust{margin:0 0 20px;text-align:center;color:var(--muted);font-size:15px}
.form-embed{position:relative;z-index:1;isolation:isolate;min-height:200px}
/* ---- sections & cards ---- */
.band{padding:56px 0}
.band-mint{background:var(--mint)}
.band h2{font-size:clamp(26px,2.6vw,34px);margin:0 0 8px}
.band-intro{max-width:760px;color:var(--muted);margin:0 0 28px}
.grid{display:grid;gap:22px}
.g6{grid-template-columns:repeat(6,1fr)}.g5{grid-template-columns:repeat(5,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}
.card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;box-shadow:0 2px 10px rgba(16,38,27,.05);transition:transform .2s,box-shadow .2s;min-width:0}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.card-img{display:block;aspect-ratio:4/3;overflow:hidden;background:var(--mint2)}
.card-img img{width:100%;height:100%;object-fit:cover;object-position:center 30%}
.card-body{display:flex;flex-direction:column;gap:6px;padding:16px 18px 20px;flex:1}
.card-title{font-size:18px;font-weight:750;margin:0;line-height:1.3}
.card-title a{color:var(--ink);text-decoration:none}
.card-title a:hover{color:var(--green)}
.card p{margin:0;font-size:15px;color:var(--muted);line-height:1.55}
.card .tag{font-size:12.5px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--green)}
.card .more{margin-top:auto;padding-top:8px;font-weight:700;font-size:15px;color:var(--blue);text-decoration:none}
.amt-big{font-size:28px;font-weight:800;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.g6 .card-body{padding:14px 14px 18px}
/* ---- layout ---- */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px;align-items:start;padding:48px 0 64px}
.layout.solo{grid-template-columns:minmax(0,820px);justify-content:center}
.article{min-width:0}
.article>.body h2,.article .sec h2{font-size:clamp(25px,2.4vw,31px);margin:44px 0 12px;scroll-margin-top:calc(var(--nav-h) + 16px)}
.article h3{font-size:21px;margin:28px 0 8px}
.article p,.article li{color:#1e3428}
.article ul,.article ol{padding-left:22px}
.article li{margin:6px 0}
.article table{width:100%;border-collapse:collapse;margin:22px 0;font-size:15.5px;background:#fff}
.tbl{overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:12px}
.tbl table{margin:0}
.article th,.article td{padding:11px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.article thead th{background:var(--mint);font-weight:700;color:var(--green-d)}
.article caption{caption-side:top;text-align:left;font-weight:700;padding:10px 14px}
.note{background:var(--sky);border-left:4px solid var(--blue);border-radius:10px;padding:14px 18px;margin:22px 0}
.note p{margin:0}
.verdict{font-size:18.5px;background:var(--mint);border:1px solid var(--line);border-left:5px solid var(--green);border-radius:12px;padding:18px 20px;text-wrap:balance}
.toc{background:var(--mint);border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin:0 0 30px}
.toc-h{font-weight:800;margin:0 0 6px;font-size:16px}
.toc ol{margin:0;padding-left:20px;columns:2;column-gap:28px;font-size:15.5px}
.toc li{margin:4px 0;break-inside:avoid}
.toc a{color:var(--green-d);text-decoration:none}
.toc a:hover{text-decoration:underline}
.body-img{margin:30px auto;max-width:420px}
.body-img img{width:100%;height:auto;border-radius:16px;box-shadow:var(--shadow)}
.sec-h{font-size:22px;font-weight:800;margin:0 0 6px}
.sec-intro{color:var(--muted);margin:0 0 18px}
.article-block{margin:0 0 34px}
.byline{display:flex;flex-wrap:wrap;align-items:center;gap:10px 18px;padding:14px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin:0 0 26px;font-size:15px;color:var(--muted)}
.byline strong{color:var(--ink)}
.share{display:flex;gap:8px;margin-left:auto}
.share a,.share button{display:inline-flex;align-items:center;justify-content:center;min-width:44px;min-height:44px;padding:0 12px;border-radius:10px;border:1px solid var(--line);background:#fff;color:var(--green-d);font:inherit;font-size:14px;font-weight:700;text-decoration:none;cursor:pointer}
.share a:hover,.share button:hover{background:var(--mint)}
.author-box{background:var(--mint);border:1px solid var(--line);border-radius:14px;padding:20px 22px;margin:36px 0}
.author-box p{margin:4px 0}
.faq-list{margin:0}
.faq-item{border:1px solid var(--line);border-radius:12px;margin:12px 0;background:#fff}
.faq-item h3{margin:0;font-size:18px;padding:16px 18px 0}
.faq-item p{margin:8px 0 0;padding:0 18px 16px}
.term-card{border-bottom:1px solid var(--line);padding:14px 0}
.term-card dt{font-weight:800;font-size:18px;scroll-margin-top:calc(var(--nav-h) + 16px)}
.term-card dd{margin:6px 0 0}
.az{display:flex;flex-wrap:wrap;gap:6px;margin:0 0 20px;padding:0;list-style:none}
.az a{display:inline-flex;min-width:40px;min-height:40px;align-items:center;justify-content:center;border:1px solid var(--line);border-radius:9px;text-decoration:none;font-weight:700;color:var(--green-d)}
.az a:hover{background:var(--mint)}
.letter-h{font-size:26px;color:var(--green);margin:26px 0 4px;border-bottom:2px solid var(--mint2);scroll-margin-top:calc(var(--nav-h) + 16px)}
.rv{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;min-width:0}
.rv-top{display:flex;justify-content:space-between;gap:10px;font-size:14px;color:var(--muted)}
.rv-title{font-weight:800;margin:8px 0 4px;font-size:17px}
.rv p{margin:0;font-size:15.5px}
.rv-meta{font-size:13.5px;color:var(--muted);margin-top:10px!important}
.rating-box{display:flex;flex-wrap:wrap;align-items:center;gap:18px 30px;background:var(--grad);color:#fff;border-radius:16px;padding:22px 26px;margin:0 0 30px}
.rating-box .big{font-size:46px;font-weight:800;line-height:1}
.rating-box p{color:#fff;margin:0}
.disclaim{font-size:14px;color:var(--muted);background:var(--mint);border-radius:10px;padding:10px 14px}
.terms-cards{grid-template-columns:repeat(3,1fr)}
.term-opt{border:1px solid var(--line);border-radius:14px;padding:20px;text-align:center;background:#fff}
.term-opt .mo{font-size:15px;font-weight:700;color:var(--green-d);text-transform:uppercase;letter-spacing:.05em}
.term-opt .pay{font-size:30px;font-weight:800;margin:6px 0 2px}
.term-opt p{margin:0;font-size:14px;color:var(--muted)}
/* calculator */
.calc{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:26px;margin:0 0 34px;position:relative;overflow:hidden}
.calc::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:var(--grad)}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.calc label{display:block;font-weight:700;margin:0 0 6px}
.calc .field{margin:0 0 18px}
.calc .row{display:flex;gap:12px;align-items:center}
.calc input[type=range]{flex:1;accent-color:var(--green);min-height:44px}
.calc input[type=number]{width:120px;min-height:44px;border:1px solid var(--line);border-radius:10px;padding:0 10px;font:inherit}
.calc select{width:170px;min-height:44px;border:1px solid var(--line);border-radius:10px;padding:0 10px;font:inherit}
.calc-out{background:var(--mint);border-radius:14px;padding:20px;display:flex;flex-direction:column;gap:10px}
.calc-out .lbl{font-size:14px;color:var(--muted)}
.calc-out .val{font-size:22px;font-weight:800}
.calc-out .val.big{font-size:38px;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.amt-chips{display:flex;flex-wrap:wrap;gap:8px;margin:16px 0 0;padding:0;list-style:none}
.amt-chips a{display:inline-flex;min-height:40px;align-items:center;padding:0 14px;border-radius:999px;border:1px solid var(--line);text-decoration:none;font-weight:700;font-size:14.5px;color:var(--green-d);background:#fff}
.amt-chips a:hover{background:var(--mint)}
/* sidebar */
.sidebar{display:flex;flex-direction:column;gap:18px;min-width:0}
.sb{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 18px 16px;font-size:15px}
.sb-h{font-size:16.5px;font-weight:800;margin:0 0 8px;color:var(--ink)}
.sb ul,.sb ol{margin:0;padding-left:18px}
.sb li{margin:5px 0}
.sb p{margin:0 0 8px;color:#2b4236}
.sb a{color:var(--green-d)}
.sb table{width:100%;border-collapse:collapse;font-size:14px}
.sb td,.sb th{padding:5px 4px;border-bottom:1px solid var(--line);text-align:left}
.sb-cta{background:var(--grad);border:0;color:#fff}
.sb-cta .sb-h,.sb-cta p{color:#fff}
.sb-cta .btn{width:100%;background:#fff;color:var(--green-d);box-shadow:none;margin-top:6px}
.sb-sticky{position:sticky;top:calc(var(--nav-h) + 18px)}
.sb-rating .big{font-size:32px;font-weight:800;color:var(--green-d)}
/* CTA zone */
.cta-zone{padding:20px 0 64px}
.cta-card{display:grid;grid-template-columns:1.1fr .9fr;align-items:stretch;border-radius:22px;overflow:hidden;background:var(--grad);color:#fff;box-shadow:var(--shadow)}
.cta-text{padding:44px 44px;display:flex;flex-direction:column;justify-content:center;gap:12px}
.cta-text .cta-h{font-size:clamp(26px,2.6vw,34px);font-weight:800;margin:0;line-height:1.2;color:#fff;text-wrap:balance}
.cta-text p{margin:0;color:#eef6ff}
.cta-text .btn{align-self:flex-start;background:#fff;color:var(--green-d);box-shadow:none}
.cta-img{min-height:260px;position:relative}
.cta-img img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
/* footer */
.site-foot{background:#0f2a1d;color:#d6e6dc;padding:56px 0 24px;font-size:15px}
.foot-grid{display:grid;grid-template-columns:1.4fr 4fr;gap:40px}
.foot-links{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}
.foot-brand{display:flex;align-items:center;gap:10px;color:#fff;font-weight:800;font-size:19px;text-decoration:none;margin-bottom:12px}
.foot-brand img{width:38px;height:38px}
.foot-col-h{font-weight:800;color:#fff;margin:0 0 10px;font-size:15.5px}
.site-foot ul{list-style:none;margin:0;padding:0}
.site-foot li{margin:0}
.site-foot a{color:#d6e6dc;text-decoration:none;display:inline-flex;align-items:center;min-height:34px}
.site-foot a:hover{color:#fff;text-decoration:underline}
.nap{font-style:normal;line-height:1.7}
.foot-disc{border-top:1px solid #29473a;margin-top:36px;padding-top:22px;font-size:13.5px;color:#b7cbbf;line-height:1.65}
.foot-disc p{margin:0 0 10px}
.foot-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;border-top:1px solid #29473a;margin-top:14px;padding-top:16px;font-size:13.5px;color:#b7cbbf}
.to-top{position:fixed;right:max(18px,env(safe-area-inset-right,0px));bottom:max(18px,env(safe-area-inset-bottom,0px));width:48px;height:48px;border-radius:50%;border:0;background:var(--grad);color:#fff;font-size:22px;box-shadow:var(--shadow);cursor:pointer;opacity:0;visibility:hidden;transition:opacity .2s;z-index:2147482000}
.to-top.show{opacity:1;visibility:visible}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--blue);outline-offset:2px}
.sitemap-cols{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}
.sitemap-cols ul{padding-left:20px}
/* responsive */
@media (max-width:1180px){.g6{grid-template-columns:repeat(3,1fr)}.foot-grid{grid-template-columns:1fr}.foot-links{grid-template-columns:repeat(2,1fr)}}
@media (max-width:1020px){.layout{grid-template-columns:minmax(0,1fr);gap:32px}.box-x{display:none}.sb-sticky{position:static}.g5{grid-template-columns:1fr}.g5 .card{flex-direction:row}.g5 .card-img{width:38%;flex:none;aspect-ratio:auto}.cta-card{grid-template-columns:1fr}.cta-img{min-height:220px}}
@media (max-width:760px){.g3,.terms-cards{grid-template-columns:1fr}.g2{grid-template-columns:1fr}.g6{grid-template-columns:repeat(2,1fr)}.calc-grid{grid-template-columns:1fr}.toc ol{columns:1}.form-card{padding:26px 16px 20px;border-radius:12px}.cta-text{padding:30px 22px}.band{padding:40px 0}.layout{padding:32px 0 48px}.share{margin-left:0}.foot-links{grid-template-columns:repeat(2,1fr)}.sitemap-cols{grid-template-columns:1fr}.g5 .card{flex-direction:column}.g5 .card-img{width:auto;aspect-ratio:4/3}.rating-box .big{font-size:38px}}
@media (max-width:420px){.foot-links{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
.g3b{grid-template-columns:repeat(3,1fr)}
@media (max-width:1020px){.g3b{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.g3b{grid-template-columns:1fr}}
.amt-title{font-size:26px;font-weight:800}.amt-title a{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
@media (max-width:760px){.amt-title{font-size:20px}}