:root{
  --ink:#0B2447;
  --blue:#0B3B78;
  --green:#45B22F;
  --green2:#72D45A;
  --bg:#F5F9FC;
  --muted:#60748C;
  --line:#DCE7F2;
  --soft-green:#EEFBEA;
  --shadow:0 28px 84px rgba(11,36,71,.13);
  --shadow-soft:0 14px 34px rgba(11,36,71,.08);
  --container:min(1180px,calc(100% - 32px));
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:96px}
body{
  margin:0;
  font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
  color:#17243A;
  line-height:1.62;
  background:
    radial-gradient(circle at 8% -2%,rgba(69,178,47,.13),transparent 26%),
    radial-gradient(circle at 94% 6%,rgba(15,90,168,.14),transparent 34%),
    linear-gradient(180deg,#fbfffd 0%,var(--bg) 46%,#fff 100%);
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
body::before{
  content:"";
  position:fixed;
  inset:0;
  z-index:-1;
  pointer-events:none;
  background-image:linear-gradient(rgba(11,59,120,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(11,59,120,.035) 1px,transparent 1px);
  background-size:44px 44px;
  mask-image:linear-gradient(180deg,rgba(0,0,0,.58),transparent 60%);
}
a{color:inherit;text-decoration:none}
:focus-visible{outline:3px solid rgba(69,178,47,.36);outline-offset:3px;border-radius:14px}
.container{width:var(--container);margin:0 auto}
.skip-link{position:absolute;left:16px;top:-60px;z-index:200;padding:12px 16px;border-radius:14px;background:var(--ink);color:#fff;font-weight:850;transition:.18s ease}
.skip-link:focus{top:16px}
.site-header{position:sticky;top:0;z-index:90;background:rgba(255,255,255,.86);border-bottom:1px solid rgba(220,231,242,.76);backdrop-filter:blur(18px);box-shadow:0 10px 28px rgba(11,36,71,.045)}
.header-inner{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:inline-flex;align-items:center;gap:10px;white-space:nowrap;line-height:1;color:var(--ink);font-weight:900;letter-spacing:-.035em;font-size:23px}
.brand-icon{width:42px;height:42px;flex:0 0 42px;background:url('/icon.svg?v=5') center/contain no-repeat}
img.brand-icon{display:block;object-fit:contain;background:none}
.brand-wordmark{display:inline-flex;align-items:baseline;gap:0}
.brand-green{color:var(--green)}
.nav{display:flex;align-items:center;gap:4px;color:#29415F;font-size:.93rem;font-weight:760}
.nav a{padding:10px 12px;border-radius:999px;white-space:nowrap;transition:.18s ease}
.nav a:hover,.nav a[aria-current="page"]{color:var(--blue);background:rgba(15,90,168,.08);transform:translateY(-1px)}
.header-cta{display:inline-flex;align-items:center;justify-content:center;min-height:42px;padding:10px 16px;border-radius:999px;background:linear-gradient(135deg,var(--green),#55C83D);color:#fff;font-weight:900;box-shadow:0 14px 30px rgba(69,178,47,.25)}
.breadcrumbs{display:flex;gap:8px;align-items:center;flex-wrap:wrap;color:var(--muted);font-size:.9rem;margin:20px auto 16px;font-weight:720}
.breadcrumbs a{color:var(--muted)}
.section{padding:58px 0}
.section-head{display:flex;align-items:flex-end;justify-content:space-between;gap:26px;margin-bottom:26px}
.section-kicker,.eyebrow{display:inline-flex;align-items:center;gap:8px;margin:0 0 12px;padding:7px 12px;border:1px solid rgba(69,178,47,.22);border-radius:999px;background:rgba(238,251,234,.92);color:#247D18;font-size:.78rem;font-weight:900;text-transform:uppercase}
h1,h2,h3,p{margin-top:0}
h1{margin:0 0 18px;color:var(--ink);font-size:clamp(2.55rem,5.7vw,5.2rem);line-height:.95;font-weight:950;letter-spacing:-.065em;max-width:930px}
h1 span,h2 span{color:var(--green)}
h2{margin:0 0 8px;color:var(--ink);font-size:clamp(2rem,3.3vw,3.1rem);line-height:1.06;font-weight:930;letter-spacing:-.045em}
.lead{font-size:1.16rem;line-height:1.72;color:#566A82;max-width:800px;margin-bottom:0}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:46px;padding:12px 18px;border-radius:999px;border:1px solid transparent;font-weight:900;transition:.18s ease}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:linear-gradient(135deg,var(--green),#55C83D);color:#fff;box-shadow:0 14px 30px rgba(69,178,47,.25)}
.btn-secondary{background:#fff;color:var(--ink);border-color:var(--line);box-shadow:0 10px 24px rgba(11,36,71,.06)}
.hero{padding:0 0 20px}
.hero-shell{position:relative;overflow:hidden;border-radius:42px;border:1px solid rgba(220,231,242,.9);background:radial-gradient(circle at 88% 8%,rgba(114,212,90,.20),transparent 28%),radial-gradient(circle at 4% 94%,rgba(15,90,168,.14),transparent 30%),linear-gradient(135deg,#fff,#f7fbff);box-shadow:var(--shadow)}
.hero-shell::after{content:attr(data-mark);position:absolute;right:34px;bottom:-22px;z-index:0;color:#0B3B78;font-size:clamp(5.4rem,11vw,9rem);line-height:1;font-weight:950;letter-spacing:-.08em;opacity:.035;pointer-events:none}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.04fr) 430px;gap:42px;align-items:center;padding:44px}
.hero-actions{display:flex;flex-wrap:wrap;gap:11px;margin-top:24px}
.hero-pills{display:flex;flex-wrap:wrap;gap:9px;margin:22px 0 0;padding:0;list-style:none}
.hero-pills li{display:inline-flex;padding:9px 12px;border-radius:999px;border:1px solid var(--line);background:#fff;color:#29415F;font-weight:850;font-size:.88rem;box-shadow:0 8px 20px rgba(11,36,71,.04)}
.visual-panel{position:relative;min-height:410px;border-radius:34px;background:linear-gradient(145deg,#071F3D,#0B3B78 58%,#0B7A4A);box-shadow:0 28px 70px rgba(11,36,71,.22);overflow:hidden}
.visual-panel::before{content:"";position:absolute;inset:24px;border-radius:26px;background:rgba(255,255,255,.95);box-shadow:0 20px 44px rgba(11,36,71,.20)}
.panel-top{position:absolute;z-index:2;left:48px;right:48px;top:48px;height:48px;border-radius:16px;background:#f4f9fd;border:1px solid #dce7f2;display:flex;align-items:center;padding:0 16px;color:#7D8EA4;font-weight:800}
.metric-card,.saving-card{position:absolute;z-index:3;padding:18px;border-radius:24px;background:#fff;border:1px solid var(--line);box-shadow:0 18px 38px rgba(11,36,71,.14)}
.metric-card{left:48px;top:122px;width:178px}
.saving-card{right:46px;top:154px;width:164px;border-color:rgba(69,178,47,.24)}
.metric-card small,.saving-card small{display:block;color:var(--muted);font-weight:800}
.metric-card strong,.saving-card strong{display:block;margin-top:5px;color:var(--ink);font-size:1.55rem;line-height:1}
.chart{position:absolute;z-index:2;left:54px;right:54px;bottom:56px;height:120px;border-radius:24px;background:linear-gradient(180deg,#fff,#f7fbff);border:1px solid var(--line);box-shadow:0 18px 38px rgba(11,36,71,.12);overflow:hidden}
.chart svg{position:absolute;inset:18px;width:calc(100% - 36px);height:calc(100% - 36px)}
.coin{position:absolute;z-index:4;right:62px;bottom:72px;width:62px;height:62px;border-radius:50%;background:linear-gradient(135deg,var(--green2),var(--green));box-shadow:0 18px 32px rgba(69,178,47,.24)}
.coin::before{content:"=";position:absolute;inset:0;display:grid;place-items:center;color:#fff;font-weight:950;font-size:1.45rem}
.decision-panel{display:grid;grid-template-columns:.72fr 1.28fr;gap:24px;align-items:center;padding:26px;border-radius:32px;border:1px solid var(--line);background:linear-gradient(135deg,#fff,#f7fbff);box-shadow:var(--shadow-soft)}
.decision-panel h2{font-size:clamp(1.75rem,2.5vw,2.55rem)}
.decision-links{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.decision-links a{display:block;padding:18px;border-radius:22px;border:1px solid var(--line);background:#fff;box-shadow:0 10px 24px rgba(11,36,71,.055);transition:.18s ease}
.decision-links a:hover{transform:translateY(-3px);border-color:rgba(69,178,47,.36);box-shadow:0 18px 40px rgba(11,36,71,.10)}
.decision-links strong{display:block;color:var(--ink);margin-bottom:4px}
.decision-links span{display:block;color:var(--muted);font-size:.92rem}
.tools-wrap{display:grid;gap:20px}
.tool-group{border-radius:32px;border:1px solid var(--line);background:#fff;box-shadow:var(--shadow-soft);overflow:hidden}
.tool-group-head{display:grid;grid-template-columns:auto minmax(0,1fr);gap:16px;align-items:center;padding:24px 28px;background:radial-gradient(circle at 95% 0%,rgba(69,178,47,.12),transparent 28%),linear-gradient(90deg,#f7fbff,#fff);border-bottom:1px solid var(--line)}
.group-icon{width:54px;height:54px;border-radius:18px;display:grid;place-items:center;background:var(--soft-green);color:#247D18;font-weight:950}
.tool-group h3{margin:0 0 5px;color:var(--ink);font-size:1.35rem;letter-spacing:-.02em}
.tool-group p{margin:0;color:var(--muted)}
.tool-list{display:grid;gap:0}
.tool-row{display:grid;grid-template-columns:54px minmax(0,1fr) 112px;gap:16px;align-items:center;padding:19px 28px;border-bottom:1px solid rgba(220,231,242,.82);color:inherit;transition:.16s ease}
.tool-row:last-child{border-bottom:0}
.tool-row:hover{background:linear-gradient(90deg,#fff,#f4fff0);transform:translateX(3px)}
.tool-icon{width:50px;height:50px;border-radius:18px;background:linear-gradient(180deg,#eefbea,#e3f7dc);display:grid;place-items:center;color:#247D18;font-weight:950;font-size:.88rem}
.tool-title{display:block;font-weight:920;color:var(--ink);font-size:1.04rem;margin-bottom:5px;line-height:1.25}
.tool-desc{display:block;color:var(--muted);font-size:.94rem;line-height:1.5}
.tool-open{justify-self:end;padding:10px 13px;border-radius:999px;background:var(--soft-green);color:#247D18;border:1px solid rgba(69,178,47,.22);font-weight:900}
.insight-panel{display:grid;grid-template-columns:.86fr 1.14fr;gap:28px;padding:30px;border-radius:34px;border:1px solid var(--line);background:radial-gradient(circle at 90% 15%,rgba(69,178,47,.12),transparent 26%),linear-gradient(135deg,#fff,#f8fcff);box-shadow:var(--shadow-soft)}
.insight-panel p{color:var(--muted);margin:0}
.insight-panel a,.related-note a{color:var(--blue);font-weight:900;text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:3px;text-decoration-color:rgba(69,178,47,.45)}
.insight-points{display:grid;gap:10px;margin-top:16px}
.insight-points span{display:flex;gap:10px;align-items:flex-start;color:#29415F;font-weight:820}
.insight-points span::before{content:"";width:9px;height:9px;border-radius:50%;background:var(--green);margin-top:.65em;flex:0 0 9px}
.related-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.related-card,.faq-card{border:1px solid var(--line);border-radius:24px;background:#fff;box-shadow:var(--shadow-soft);transition:.18s ease;overflow:hidden}
.related-card{padding:20px}
.related-card:hover,.faq-card:hover{transform:translateY(-4px);border-color:rgba(69,178,47,.32);box-shadow:0 22px 48px rgba(11,36,71,.12)}
.related-card strong{display:block;color:var(--ink);margin-bottom:5px}
.related-card span{display:block;color:var(--muted);font-size:.92rem}
.related-note{margin-top:10px;max-width:760px;color:var(--muted)}
.faq-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.faq-card summary{position:relative;cursor:pointer;list-style:none;padding:20px 58px 20px 22px;color:var(--ink);font-weight:900}
.faq-card summary::-webkit-details-marker{display:none}
.faq-card summary::after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);width:30px;height:30px;border-radius:999px;display:grid;place-items:center;background:var(--soft-green);border:1px solid rgba(69,178,47,.24);color:#247D18;font-size:1.2rem;font-weight:950;line-height:1;transition:.16s ease}
.faq-card[open] summary::after{content:"-";background:linear-gradient(135deg,var(--green),#55C83D);color:#fff;border-color:transparent}
.faq-card[open] summary{border-bottom:1px solid rgba(220,231,242,.82)}
.faq-card p{padding:18px 22px 20px;margin:0;color:var(--muted)}
.faq-card:not([open]) p{display:none}
.footer{padding:56px 0 26px;background:#071D3B;color:rgba(255,255,255,.74)}
.footer .brand{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.3fr .8fr .8fr .8fr;gap:32px}
.footer-col h3{color:#fff;margin-bottom:12px}
.footer-links{display:grid;gap:9px}
.footer-links a{color:rgba(255,255,255,.76)}
.footer-links a:hover{color:#fff}
.footer-bottom{margin-top:30px;padding-top:18px;border-top:1px solid rgba(255,255,255,.12);font-size:.88rem}
@media(max-width:1080px){
  .header-inner{flex-wrap:wrap;gap:10px 18px;padding:12px 0}
  .nav{width:100%;overflow-x:auto;justify-content:flex-start;scrollbar-width:none}
  .hero-grid,.decision-panel,.insight-panel{grid-template-columns:1fr}
  .visual-panel{min-height:350px}
  .related-grid{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:760px){
  :root{--container:min(100% - 24px,1180px)}
  .hero-shell::after{display:none}
  .brand{font-size:19px}
  .brand-icon{width:36px;height:36px;flex-basis:36px}
  .hero-grid{padding:24px;border-radius:30px}
  .hero-shell{border-radius:30px}
  .visual-panel{display:none}
  h1{font-size:clamp(2.35rem,12vw,4rem)}
  .section{padding:42px 0}
  .section-head{display:block}
  .decision-links,.related-grid,.faq-grid,.footer-grid{grid-template-columns:1fr}
  .tool-row{grid-template-columns:50px minmax(0,1fr);padding:18px 20px}
  .tool-open{grid-column:2;justify-self:start}
}