:root {
  --ink: #101524;
  --muted: #5d6678;
  --line: #dfe4ee;
  --paper: #ffffff;
  --canvas: #f4f6fb;
  --blue: #2f63e9;
  --blue-dark: #17398f;
  --gold: #e0aa22;
  --silver: #8a95a6;
  --orange: #f58b22;
  --shadow: 0 22px 60px rgba(23, 57, 143, 0.12);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--ink);
  background:
    radial-gradient(circle at 8% 2%, rgba(47, 99, 233, 0.12), transparent 25rem),
    var(--canvas);
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.65;
}

a { color: inherit; }

.shell { width: min(1120px, calc(100% - 40px)); margin: 0 auto; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(244, 246, 251, 0.88);
  border-bottom: 1px solid rgba(223, 228, 238, 0.8);
  backdrop-filter: blur(18px);
}

.nav {
  min-height: 78px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; }
.brand img { width: 42px; height: 42px; border-radius: 12px; box-shadow: 0 8px 18px rgba(47, 99, 233, 0.2); }
.brand span { font-size: 1.22rem; font-weight: 850; letter-spacing: 0.08em; }

.nav-links { display: flex; align-items: center; gap: 8px; }
.nav-links a {
  padding: 10px 14px;
  color: var(--muted);
  font-weight: 700;
  text-decoration: none;
  border-radius: 12px;
}
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--blue); background: #e9efff; }

.hero { padding: 92px 0 72px; }
.hero-grid { display: grid; grid-template-columns: 1.15fr 0.85fr; align-items: center; gap: 72px; }
.eyebrow { margin: 0 0 14px; color: var(--blue); font-weight: 800; letter-spacing: 0.08em; text-transform: uppercase; }
h1 { margin: 0; max-width: 760px; font-size: clamp(2.8rem, 6vw, 5.4rem); line-height: 0.98; letter-spacing: -0.055em; }
.hero-copy { margin: 26px 0 0; max-width: 680px; color: var(--muted); font-size: 1.18rem; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }
.button {
  display: inline-flex;
  min-height: 50px;
  align-items: center;
  justify-content: center;
  padding: 12px 20px;
  border: 1px solid var(--line);
  border-radius: 15px;
  background: var(--paper);
  font-weight: 800;
  text-decoration: none;
}
.button.primary { color: white; border-color: var(--blue); background: var(--blue); box-shadow: 0 12px 28px rgba(47, 99, 233, 0.25); }
.button:hover { transform: translateY(-1px); }

.rate-card {
  position: relative;
  padding: 30px;
  overflow: hidden;
  color: white;
  background: linear-gradient(145deg, #17398f, #11265e);
  border-radius: 32px;
  box-shadow: var(--shadow);
}
.rate-card::after { content: "G"; position: absolute; right: -18px; bottom: -74px; color: rgba(255,255,255,.07); font-size: 16rem; font-weight: 900; line-height: 1; }
.rate-card small { opacity: .72; text-transform: uppercase; letter-spacing: .12em; }
.rate-card strong { display: block; margin: 16px 0 2px; font-size: 2.55rem; }
.market-row { position: relative; display: flex; justify-content: space-between; gap: 20px; padding: 18px 0; border-top: 1px solid rgba(255,255,255,.15); }
.market-row:first-of-type { margin-top: 24px; }
.market-row span:last-child { font-weight: 800; }

.section { padding: 72px 0; }
.section-heading { max-width: 700px; margin-bottom: 32px; }
.section-heading h2, .page-intro h1 { margin: 0 0 12px; font-size: clamp(2.1rem, 4vw, 3.5rem); line-height: 1.08; letter-spacing: -.04em; }
.section-heading p, .page-intro p { color: var(--muted); margin: 0; font-size: 1.08rem; }

.feature-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.feature, .panel, .faq details {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 22px;
  box-shadow: 0 12px 32px rgba(16, 21, 36, 0.05);
}
.feature { padding: 24px; }
.feature-icon { width: 46px; height: 46px; display: grid; place-items: center; margin-bottom: 26px; border-radius: 14px; font-weight: 900; font-size: 1.25rem; }
.feature:nth-child(1) .feature-icon { color: var(--blue); background: #e9efff; }
.feature:nth-child(2) .feature-icon { color: #a16f00; background: #fff5d9; }
.feature:nth-child(3) .feature-icon { color: #596578; background: #edf0f5; }
.feature:nth-child(4) .feature-icon { color: #c96608; background: #fff0df; }
.feature h3 { margin: 0 0 8px; font-size: 1.05rem; }
.feature p { margin: 0; color: var(--muted); }

.page-intro { padding: 78px 0 40px; }
.content-grid { display: grid; grid-template-columns: 0.7fr 1.3fr; gap: 22px; align-items: start; padding-bottom: 80px; }
.panel { padding: 30px; }
.panel h2, .panel h3 { margin-top: 0; line-height: 1.2; }
.panel p, .panel li { color: var(--muted); }
.panel a { color: var(--blue); font-weight: 750; }
.quick-links { display: grid; gap: 10px; }
.quick-links a { padding: 13px 15px; color: var(--ink); background: var(--canvas); border-radius: 12px; text-decoration: none; font-weight: 750; }

.faq { display: grid; gap: 12px; }
.faq details { padding: 4px 22px; }
.faq summary { padding: 18px 0; cursor: pointer; font-weight: 800; }
.faq details p { margin-top: 0; }

.contact-card { max-width: 760px; }
.contact-item { display: flex; gap: 18px; padding: 22px 0; border-top: 1px solid var(--line); }
.contact-item:first-of-type { margin-top: 16px; }
.contact-item strong { min-width: 110px; }

.legal { max-width: 840px; }
.legal h2 { margin-top: 42px; font-size: 1.45rem; }
.legal ul { padding-left: 22px; }

.site-footer { padding: 34px 0; border-top: 1px solid var(--line); }
.footer-inner { display: flex; justify-content: space-between; gap: 22px; color: var(--muted); }
.footer-links { display: flex; flex-wrap: wrap; gap: 18px; }
.footer-links a { text-decoration: none; }

@media (max-width: 860px) {
  .hero-grid, .content-grid { grid-template-columns: 1fr; }
  .hero-grid { gap: 38px; }
  .feature-grid { grid-template-columns: repeat(2, 1fr); }
  .rate-card { max-width: 560px; }
}

@media (max-width: 620px) {
  .shell { width: min(100% - 28px, 1120px); }
  .nav { min-height: 70px; }
  .nav-links { gap: 0; }
  .nav-links a { padding: 9px 8px; font-size: .88rem; }
  .brand span { display: none; }
  .hero { padding: 64px 0 48px; }
  .feature-grid { grid-template-columns: 1fr; }
  .feature { display: grid; grid-template-columns: auto 1fr; column-gap: 16px; }
  .feature-icon { grid-row: 1 / 3; margin-bottom: 0; }
  .footer-inner { flex-direction: column; }
  .contact-item { display: block; }
  .contact-item strong { display: block; margin-bottom: 4px; }
}