:root{--ink:#1c2b3d;--mute:#5b6b7e;--blue:#1d74d9;--blue2:#eaf3ff;--orange:#ff7a1a;--orange2:#ff944d;--bg:#f6f9fd;--line:#e2eaf4;--grn:#168a3d;--yel:#f7c400}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 'Source Sans 3',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;color:var(--ink);background:#fff}
h1,h2,h3{font-family:'Barlow Condensed','Arial Narrow',Impact,sans-serif;color:var(--ink);line-height:1.1;margin:0 0 .5em;font-weight:700}
h1{font-size:clamp(2.2rem,5.4vw,3.6rem)}h2{font-size:clamp(1.6rem,3.4vw,2.3rem)}h3{font-size:1.35rem;font-weight:600}
a{color:var(--blue)}p{margin:0 0 1em;max-width:70ch}ul{padding-left:1.2em}img{max-width:100%;height:auto}
.wrap{width:min(1160px,92%);margin:0 auto}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px}
.tb{background:var(--blue2);color:var(--ink);font-size:.92rem}.tb .wrap{display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap;padding:7px 0}
.tb a{color:var(--ink);text-decoration:none;font-weight:600}.tb .sah{background:var(--yel);padding:3px 10px;border-radius:5px}.tb .r{display:flex;gap:16px;align-items:center;flex-wrap:wrap}
header.top{background:#fff;position:sticky;top:0;z-index:40;border-bottom:3px solid var(--orange);box-shadow:0 2px 10px rgba(28,43,61,.07)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:66px}
.logo{color:var(--ink);text-decoration:none;line-height:1;display:block;white-space:nowrap}.logo b{display:block;font:700 1.7rem 'Barlow Condensed',sans-serif}.logo small{color:var(--orange);font-weight:700;font-size:.78rem;letter-spacing:.14em}
nav>ul{display:flex;gap:2px;list-style:none;margin:0;padding:0;align-items:center}nav li{position:relative}
nav a,nav button.dd{color:var(--ink);text-decoration:none;padding:9px 7px;border-radius:6px;font:inherit;font-size:.9rem;white-space:nowrap;display:block;background:none;border:0;cursor:pointer}
nav a:hover,nav button.dd:hover{background:var(--blue2);color:var(--blue)}
nav .sub{display:none;position:absolute;left:0;top:100%;min-width:260px;background:#fff;border:1px solid var(--line);border-radius:8px;padding:8px;box-shadow:0 12px 30px rgba(28,43,61,.15);list-style:none;margin:0;z-index:50}
nav .sub a:hover{background:var(--bg)}
nav li:hover>.sub,nav li:focus-within>.sub,nav li.open>.sub{display:block}
nav .cta{background:var(--orange);color:var(--ink);font-weight:700}nav .cta:hover{background:var(--orange2);color:var(--ink)}
.menu{display:none;background:#fff;border:2px solid var(--ink);color:var(--ink);border-radius:6px;padding:6px 12px;font:inherit}
.btn{display:inline-block;background:var(--orange);color:var(--ink)!important;text-decoration:none;font-weight:700;padding:13px 22px;border-radius:8px;border:0;cursor:pointer;font:inherit;font-weight:700;text-align:center}
.btn:hover{background:var(--orange2)}.btn.navy{background:var(--blue);color:#fff!important}.btn.grn{background:var(--grn);color:#fff!important}.btn.yel{background:var(--yel);color:var(--ink)!important}
.btn.line{background:#fff;border:2px solid var(--blue);color:var(--blue)!important}.btn.mid{background:var(--blue2);color:var(--blue)!important;border:1px solid #bcd7fb}
.hero{background:linear-gradient(180deg,var(--blue2),#fff);padding:44px 0 52px}
.hero .g{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
.hero h1{max-width:16ch}.hero p{color:var(--mute);font-size:1.12rem}.hero .lead{color:var(--ink)}
.badge{display:inline-block;background:#fff;border:1px solid #bcd7fb;border-radius:999px;padding:6px 16px;font-weight:700;letter-spacing:.06em;font-size:.88rem;color:var(--blue)!important;margin:0 0 12px}
.rate{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 16px;margin:0 0 16px 0;color:var(--ink)!important;font-size:1rem}.rate span{color:#f5a300;letter-spacing:2px;margin-right:6px}
.hb{margin-top:22px}.hb .btn{margin:0 10px 10px 0}
.search,.val{background:#fff;border:1px solid var(--line);border-top:5px solid var(--orange);border-radius:12px;padding:22px;box-shadow:0 10px 30px rgba(28,43,61,.08)}
.val{margin:26px 0}.search h2,.val h2,.prose .val h2{font-size:1.6rem;margin-top:0}
label.l{display:block;font-weight:600;margin:10px 0 4px;font-size:.93rem}
input,select,textarea{width:100%;padding:11px;border:1px solid #c9d5e5;border-radius:8px;font:inherit;background:#fff;color:var(--ink)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}.sm{font-size:.85rem;color:var(--mute);margin:10px 0 0}
.chk{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;margin:12px 0}.chk input{width:auto;margin-top:4px}
.seg{display:flex;gap:6px;margin-bottom:12px}.seg label{flex:1;text-align:center;border:1px solid var(--line);border-radius:8px;padding:8px;cursor:pointer;font-weight:700}.seg input{position:absolute;opacity:0}.seg label:has(input:checked){background:var(--orange);border-color:var(--orange)}
section{padding:50px 0}section.alt{background:var(--bg)}section.proof{padding:26px 0 0}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px}
.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:20px;border-left:4px solid var(--orange);text-decoration:none;color:inherit;display:block}
a.card:hover{border-left-color:var(--blue);box-shadow:0 6px 18px rgba(28,43,61,.1)}.card p{margin:0;color:var(--mute);font-size:.97rem}
.tags{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0}.tags a{display:block;background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 15px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.96rem}.tags a:hover{border-color:var(--orange)}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px}
.steps li:before{content:counter(s);display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--orange);color:var(--ink);font-weight:700;margin-bottom:6px}
.ph{background:var(--blue2);padding:32px 0}.ph h1{font-size:clamp(2rem,5vw,3rem);margin:0}.ph p{color:var(--mute);margin:.5em 0 0}
.crumb{font-size:.9rem;color:var(--mute);padding:14px 0}.crumb a{color:var(--mute)}
.cols{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:36px;align-items:start;padding:26px 0 56px}
.advisor{position:sticky;top:90px;background:#fff;border:1px solid var(--line);border-top:5px solid var(--orange);border-radius:12px;padding:22px;text-align:center;box-shadow:0 8px 24px rgba(28,43,61,.08)}
.advisor img{width:112px;height:112px;border-radius:50%;object-fit:cover;border:3px solid var(--orange);margin-bottom:8px}
.advisor h3{margin:0;font-size:1.8rem}.advisor .b{color:var(--orange);font-weight:700;margin:0 auto 2px;letter-spacing:.06em}.advisor .t{color:var(--mute);margin:0 auto 14px}.advisor .btn{display:block;margin-top:9px;width:100%}
.prose h2{margin-top:1.3em}.prose li{margin:.3em 0}.lead{font-size:1.15rem;color:var(--ink)}
details{border:1px solid var(--line);border-radius:8px;padding:11px 15px;margin-bottom:9px;background:#fff}summary{font-weight:700;cursor:pointer;color:var(--ink)}
.note{background:#fff8ee;border:1px solid #ffe0bd;border-radius:8px;padding:13px 16px;font-size:.96rem}
.sahb{background:var(--yel);border-radius:10px;padding:16px 20px;display:flex;gap:16px;align-items:center;justify-content:space-between;flex-wrap:wrap;margin:0 0 22px}.sahb .btn{background:var(--blue);color:#fff!important}
.ilangrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px}
.ilan{background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden;text-decoration:none;color:inherit;display:block}
.ilan .im{aspect-ratio:4/3;background:var(--bg);position:relative}.ilan .im img{width:100%;height:100%;object-fit:cover}
.ilan .tag{position:absolute;left:10px;top:10px;background:var(--blue);color:#fff;padding:3px 10px;border-radius:5px;font-size:.85rem;font-weight:700}.ilan .tag.k{background:var(--orange);color:var(--ink)}
.ilan .bd{padding:14px}.ilan h3{font-size:1.2rem;margin:0 0 4px}.ilan .pr{font:700 1.4rem 'Barlow Condensed';color:var(--blue)}.ilan .mt{color:var(--mute);font-size:.92rem}
.filters{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:18px;margin-bottom:22px;display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:10px}
.empty{background:var(--bg);border:1px dashed #c8d3e3;border-radius:10px;padding:26px;text-align:center}
.gal{display:grid;grid-template-columns:2fr 1fr;gap:8px;margin-bottom:20px}.gal img{width:100%;height:100%;object-fit:cover;border-radius:8px}
.spec{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:10px;list-style:none;padding:0}.spec li{background:var(--bg);border-radius:8px;padding:10px 12px}.spec b{display:block;font-size:.85rem;color:var(--mute);font-weight:600}
.chips{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:0 0 18px}.chips li{background:var(--bg);border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-weight:600}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;list-style:none;padding:0;margin:0}
.stats li{background:var(--blue2);color:var(--mute);border-radius:10px;padding:16px;text-align:center;font-size:.95rem}.stats span{display:block;font-size:1.4rem}
.stats b{display:block;font:700 2.2rem 'Barlow Condensed',sans-serif;color:var(--blue);line-height:1.1}.stats small{font-size:1rem;margin-left:4px}
.sign{border-left:4px solid var(--orange);padding:6px 0 6px 16px;margin:22px 0;color:var(--mute)}.sign b{display:block;font:700 1.6rem 'Barlow Condensed',sans-serif;color:var(--ink)}
.ticks{list-style:none;padding:0;display:grid;gap:8px}.ticks li:before{content:"✓";color:var(--orange);font-weight:700;margin-right:10px}
.cta-b{background:var(--blue2);border:1px solid #cfe2fb;border-top:4px solid var(--orange);border-radius:14px;padding:34px 26px;text-align:center;margin:36px 0 0}
.cta-b h2{margin:0 0 .3em;font-size:clamp(1.6rem,3.4vw,2.2rem)}.cta-b p{color:var(--mute);margin:0 auto 20px;font-size:1.1rem}
.cta-b .bt{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}.cta-b .btn{min-width:170px}.cta-b .btn.mid{background:#fff;color:var(--blue)!important;border:1px solid #bcd7fb}.cta-w{padding:0 0 56px}
footer{background:#f1f5fb;color:var(--mute);padding:40px 0 90px;font-size:.96rem;border-top:3px solid var(--orange)}
footer a{color:var(--ink)}footer h3{color:var(--ink);font-size:1.2rem}.fg{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:26px}footer ul{list-style:none;padding:0;margin:0}footer li{margin:5px 0;overflow-wrap:anywhere}
.stk{display:none}
@media(max-width:1240px){.menu{display:block}
nav{display:none;width:100%}nav.open{display:block}.bar{flex-wrap:wrap;padding:8px 0}nav>ul{flex-direction:column;align-items:stretch}
nav .sub{position:static;box-shadow:none;background:var(--bg)}nav li:hover>.sub{display:none}nav li.open>.sub{display:block}}
@media(max-width:900px){.hero .g,.cols,.gal{grid-template-columns:1fr}.advisor{position:static}
.rate{margin-left:0}.stk{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:60}.stk a{flex:1;text-align:center;padding:14px;color:#fff;text-decoration:none;font-weight:700}.stk a:nth-child(1){background:var(--blue)}.stk a:nth-child(2){background:var(--grn)}.row2{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

.rev4{grid-template-columns:repeat(4,1fr)}.rev4 .rv{display:flex;flex-direction:column;gap:8px}.rev4 .rn{margin:0;display:flex;flex-direction:column;gap:2px}.rev4 .rn span{font-size:13px;color:#5b6b7e}.rev4 .rv p:last-child{margin:0;font-size:15px}@media(max-width:1100px){.rev4{grid-template-columns:repeat(2,1fr)}}@media(max-width:600px){.rev4{grid-template-columns:1fr}}
.rev4 .rn b{color:#1c2b3d;font-size:17px}.rev4 .rv p:last-child{color:#33445a}

.bgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(270px,1fr));gap:18px}
.bcard{background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;text-decoration:none;color:inherit;display:flex;flex-direction:column}
.bcard:hover{box-shadow:0 6px 22px rgba(29,116,217,.12)}
.bcard .im{aspect-ratio:16/9;background:#eaf3ff;overflow:hidden}.bcard .im img{width:100%;height:100%;object-fit:cover;display:block}
.bcard .noim{width:100%;height:100%;display:grid;place-items:center;font:700 2.4rem 'Barlow Condensed',sans-serif;color:#1d74d9;opacity:.5}
.bcard .bd{padding:14px 16px 16px;display:flex;flex-direction:column;gap:6px;flex:1}.bcard h3{font-size:1.2rem;margin:0;line-height:1.25}
.bcard p{margin:0;color:#44566b;font-size:.95rem}.bcard .bc{align-self:flex-start;background:#fff3e6;color:#c2560a;font-weight:700;font-size:.8rem;padding:2px 10px;border-radius:999px}
.bcard .bm{margin-top:auto;color:var(--mute);font-size:.85rem;padding-top:6px}
.bchips{margin-bottom:20px}.bchips a.on{background:var(--orange);color:#1c2b3d;border-color:var(--orange)}
.pager{display:flex;gap:8px;margin-top:26px}.pager a,.pager b{min-width:38px;height:38px;display:grid;place-items:center;border:1px solid var(--line);border-radius:8px;text-decoration:none}.pager b{background:var(--blue);color:#fff;border-color:var(--blue)}
.bmeta{color:var(--mute);font-size:.95rem;margin:-4px 0 16px}.bcover{width:100%;height:auto;border-radius:12px;margin:0 0 20px;display:block}
.kisa{background:#eaf3ff;border-left:5px solid var(--orange);border-radius:10px;padding:14px 18px;margin:0 0 22px}.kisa h2{margin:0 0 6px;font-size:1.25rem}.kisa p{margin:0 0 8px}
.relposts{padding-left:20px}.relposts li{margin:6px 0}.bnote{color:var(--mute)}

.hwa{display:none;align-items:center;gap:8px;background:#25a244;color:#fff;text-decoration:none;font-weight:700;font-size:13px;line-height:1.15;padding:8px 12px;border-radius:10px;margin-left:auto}
.hwa span{text-align:center}.hwa svg{flex:none}
@media(max-width:1240px){.hwa{display:flex}.menu{margin-left:0}}
@media(max-width:900px){
.stk{gap:8px;padding:8px;background:rgba(255,255,255,.96);box-shadow:0 -4px 16px rgba(28,43,61,.12)}
.stk a{display:flex;align-items:center;justify-content:center;gap:8px;border-radius:10px;padding:10px 8px;font-size:13.5px;line-height:1.2;text-align:left!important}
.stk a.g{background:#25a244!important}.stk a.b{background:#1d74d9!important}.stk a svg{flex:none}
body{padding-bottom:76px}}
@media(max-width:420px){.logo b{font-size:1.35rem}.hwa{font-size:12px;padding:7px 9px}.menu{padding:6px 9px}}
@media(max-width:600px){.bar{flex-wrap:wrap;gap:8px;min-height:0}.logo b{font-size:1.3rem}.logo small{font-size:.62rem;letter-spacing:.12em}
.menu{font-size:0;padding:6px 10px;line-height:1}.menu::before{content:"☰";font-size:22px}
.hwa{margin-left:auto;padding:6px 9px;font-size:11.5px}.hwa svg{width:20px;height:20px}}
article h1{font-size:clamp(1.9rem,4vw,2.6rem);line-height:1.15}

.tk2{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:8px 24px}
.hh{background:#fff8ef;border:1px solid #ffd9b0;border-radius:12px;padding:16px 20px;margin:28px 0}.hh h2{margin:0 0 6px}.hh p{margin:6px 0}
details.more{margin:10px 0}details.more summary{cursor:pointer;color:var(--blue);font-weight:600}
.egrid .bd{padding-top:16px}.eic{font-size:2rem;line-height:1}.dl{display:flex;gap:12px;flex-wrap:wrap;margin:14px 0 22px}.dl .btn{display:inline-flex;align-items:center;gap:8px}
.doc{background:#fff;border:1px solid var(--line);border-radius:10px;padding:22px 26px;margin:14px 0 26px;font-family:'Times New Roman',Times,serif;font-size:1rem;line-height:1.55;max-height:560px;overflow:auto}
.doc h1,.doc h2,.doc h3{font-family:'Times New Roman',Times,serif;margin:14px 0 4px}.doc h1{text-align:center;font-size:1.3rem}.doc h2{font-size:1.02rem}.doc p{margin:4px 0}
.doc table.sg{width:100%;border-collapse:collapse;margin-top:18px}.doc table.sg td{width:33%;text-align:center;padding:26px 6px 4px;border:0;vertical-align:bottom}
.edis{font-size:.9rem;color:var(--mute);background:#f6f9fd;border-radius:8px;padding:10px 14px}
@media(min-width:901px) and (max-width:1340px){nav a,nav button.dd{font-size:.84rem;padding:9px 5px}nav>ul{gap:0}}
figure.tan{margin:18px auto;max-width:560px}figure.tan img{width:100%;height:auto;display:block;border-radius:14px;box-shadow:0 8px 28px rgba(28,43,61,.18)}
.tan3{display:grid;grid-template-columns:.75fr .75fr .966fr;gap:18px;align-items:start}.tan3 figure.tan{margin:0;max-width:none}
@media(max-width:800px){.tan3{grid-template-columns:1fr}.tan3 figure.tan{max-width:460px;margin:0 auto}}