@import "https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=Outfit:wght@300;400;500;600;700;800&display=swap";
:root{--primary:#1a56db;--primary-dark:#1239a5;--primary-light:#e8effd;--secondary:#0ea5e9;--accent:#7c3aed;--success:#10b981;--warning:#f59e0b;--danger:#ef4444;--dark:#0f172a;--dark-secondary:#1e293b;--dark-tertiary:#334155;--text-primary:#0f172a;--text-secondary:#475569;--text-muted:#94a3b8;--border:#e2e8f0;--surface:#f8fafc;--white:#fff;--gradient-hero:linear-gradient(135deg, #0f172a 0%, #1e293b 40%, #1a3a6e 100%);--gradient-card:linear-gradient(135deg, #fff 0%, #f0f4ff 100%);--shadow-sm:0 1px 3px #00000014, 0 1px 2px #0000000f;--shadow-md:0 4px 16px #0000001a, 0 2px 6px #00000012;--shadow-lg:0 20px 40px #0000001f, 0 8px 20px #00000014;--shadow-blue:0 8px 30px #1a56db40}*,:before,:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;width:100%;max-width:100vw;font-size:16px;overflow-x:hidden}body{color:var(--text-primary);background:var(--white);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;width:100%;max-width:100vw;font-family:Inter,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;line-height:1.6;position:relative;overflow-x:hidden}h1,h2,h3,h4,h5,h6{font-family:Outfit,sans-serif;font-weight:700;line-height:1.2}.nav-wrapper{z-index:100;-webkit-backdrop-filter:blur(20px);background:#0f172af2;border-bottom:1px solid #ffffff14;position:sticky;top:0;box-shadow:0 4px 24px #00000026}.nav-container{justify-content:space-between;align-items:center;max-width:1280px;height:72px;margin:0 auto;padding:0 24px;display:flex}.nav-logo{color:#fff;align-items:center;gap:10px;text-decoration:none;display:flex}.nav-logo-icon{background:linear-gradient(135deg,#1a56db,#7c3aed);border-radius:10px;justify-content:center;align-items:center;width:40px;height:40px;font-size:20px;display:flex;box-shadow:0 4px 15px #1a56db66}.nav-logo-text{background:linear-gradient(135deg,#fff,#93c5fd);-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;font-family:Outfit,sans-serif;font-size:22px;font-weight:800}.nav-links{align-items:center;gap:8px;list-style:none;display:flex}.nav-links a{color:#ffffffbf;border-radius:8px;padding:8px 14px;font-size:14px;font-weight:500;text-decoration:none;transition:all .2s}.nav-links a:hover{color:#fff;background:#ffffff1a}.nav-cta{color:#fff!important;background:linear-gradient(135deg,#1a56db,#7c3aed)!important;border-radius:8px!important;padding:9px 20px!important;font-weight:600!important;transition:transform .2s,box-shadow .2s!important;box-shadow:0 4px 15px #1a56db66!important}.nav-cta:hover{transform:translateY(-1px)!important;box-shadow:0 6px 20px #1a56db80!important}.mobile-menu-btn{color:#fff;cursor:pointer;background:0 0;border:none;padding:8px;display:none}.hero{background:var(--gradient-hero);padding:90px 24px 80px;position:relative;overflow:hidden}.hero:before{content:"";pointer-events:none;background:radial-gradient(at 30%,#1a56db4d 0%,#0000 60%),radial-gradient(at 70% 20%,#7c3aed33 0%,#0000 50%);position:absolute;inset:0}.hero-grid{pointer-events:none;background-image:linear-gradient(#ffffff08 1px,#0000 1px),linear-gradient(90deg,#ffffff08 1px,#0000 1px);background-size:60px 60px;position:absolute;inset:0}.hero-container{z-index:1;grid-template-columns:1fr 1fr;align-items:center;gap:60px;max-width:1280px;margin:0 auto;display:grid;position:relative}.hero-badge{color:#93c5fd;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);background:#1a56db33;border:1px solid #1a56db66;border-radius:100px;align-items:center;gap:8px;margin-bottom:24px;padding:6px 14px;font-size:13px;font-weight:600;display:inline-flex}.hero-title{color:#fff;margin-bottom:20px;font-size:clamp(36px,5vw,58px);line-height:1.1}.hero-title span{background:linear-gradient(135deg,#60a5fa,#a78bfa);-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text}.hero-subtitle{color:#ffffffb3;margin-bottom:36px;font-size:18px;line-height:1.7}.hero-stats{flex-wrap:wrap;gap:32px;display:flex}.hero-stat{flex-direction:column;gap:4px;display:flex}.hero-stat-value{color:#fff;font-family:Outfit,sans-serif;font-size:28px;font-weight:800}.hero-stat-label{color:#ffffff8c;font-size:13px;font-weight:500}.calc-card{box-shadow:var(--shadow-lg), 0 0 0 1px #1a56db1a;background:#fff;border-radius:24px;padding:36px;position:relative;overflow:hidden}.calc-card:before{content:"";background:linear-gradient(90deg,#1a56db,#7c3aed);height:4px;position:absolute;top:0;left:0;right:0}.calc-title{color:var(--dark);align-items:center;gap:10px;margin-bottom:24px;font-size:22px;display:flex}.calc-title-icon{background:var(--primary-light);width:36px;height:36px;color:var(--primary);border-radius:8px;justify-content:center;align-items:center;display:flex}.form-group{margin-bottom:20px}.form-label{color:var(--text-secondary);text-transform:uppercase;letter-spacing:.05em;justify-content:space-between;align-items:center;margin-bottom:8px;font-size:13px;font-weight:600;display:flex}.form-input-wrapper{align-items:center;display:flex;position:relative}.form-prefix{color:var(--text-secondary);pointer-events:none;font-size:15px;font-weight:600;position:absolute;left:14px}.form-suffix{color:var(--text-secondary);pointer-events:none;font-size:15px;font-weight:600;position:absolute;right:14px}.form-input{border:2px solid var(--border);width:100%;min-height:48px;color:var(--text-primary);background:var(--surface);-webkit-appearance:none;border-radius:12px;outline:none;padding:12px 14px 12px 30px;font-family:Inter,sans-serif;font-size:16px;transition:all .2s}.form-input:focus{border-color:var(--primary);background:#fff;box-shadow:0 0 0 4px #1a56db1a}.form-input.no-prefix{padding-left:14px}.form-input.has-suffix{padding-right:36px}.range-slider{background:linear-gradient(90deg, var(--primary) var(--val,50%), var(--border) var(--val,50%));cursor:pointer;appearance:none;border-radius:100px;outline:none;width:100%;height:6px;margin-top:10px}.range-slider::-webkit-slider-thumb{-webkit-appearance:none;border:3px solid var(--primary);cursor:pointer;background:#fff;border-radius:50%;width:22px;height:22px;transition:box-shadow .2s;box-shadow:0 2px 8px #1a56db4d}.range-slider::-webkit-slider-thumb:hover{box-shadow:0 4px 16px #1a56db80}.calc-btn{color:#fff;cursor:pointer;width:100%;box-shadow:var(--shadow-blue);letter-spacing:.01em;background:linear-gradient(135deg,#1a56db,#7c3aed);border:none;border-radius:14px;justify-content:center;align-items:center;gap:10px;margin-top:8px;padding:16px;font-family:Inter,sans-serif;font-size:16px;font-weight:700;transition:all .25s;display:flex}.calc-btn:hover{transform:translateY(-2px);box-shadow:0 12px 35px #1a56db66}.calc-btn:active{transform:translateY(0)}.results-grid{grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:24px;display:grid}.result-card{background:var(--surface);border:1px solid var(--border);text-align:center;border-radius:16px;padding:20px;transition:all .2s}.result-card.highlight{box-shadow:var(--shadow-blue);background:linear-gradient(135deg,#1a56db,#7c3aed);border-color:#0000}.result-card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}.result-label{text-transform:uppercase;letter-spacing:.08em;color:var(--text-muted);margin-bottom:8px;font-size:11px;font-weight:700}.result-card.highlight .result-label{color:#ffffffb3}.result-value{color:var(--dark);font-family:Outfit,sans-serif;font-size:26px;font-weight:800}.result-card.highlight .result-value{color:#fff}.result-sub{color:var(--text-muted);margin-top:4px;font-size:12px}.result-card.highlight .result-sub{color:#ffffffa6}.section{padding:80px 24px}.section-container{max-width:1280px;margin:0 auto}.section-tag{background:var(--primary-light);color:var(--primary);text-transform:uppercase;letter-spacing:.05em;border-radius:100px;align-items:center;gap:6px;margin-bottom:16px;padding:5px 14px;font-size:13px;font-weight:700;display:inline-flex}.section-title{color:var(--dark);margin-bottom:16px;font-size:clamp(28px,4vw,42px)}.section-subtitle{color:var(--text-secondary);max-width:600px;font-size:17px;line-height:1.7}.section-dark{background:var(--dark);color:#fff}.section-dark .section-title{color:#fff}.section-dark .section-subtitle{color:#fff9}.section-dark .section-tag{color:#93c5fd;background:#1a56db33;border:1px solid #1a56db4d}.section-surface{background:var(--surface)}.card-grid{grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px;margin-top:48px;display:grid}.feature-card{border:1px solid var(--border);background:#fff;border-radius:20px;padding:32px;transition:all .3s;position:relative;overflow:hidden}.feature-card:before{content:"";background:linear-gradient(90deg, var(--primary), var(--accent));transform-origin:0;height:3px;transition:transform .3s;position:absolute;top:0;left:0;right:0;transform:scaleX(0)}.feature-card:hover{border-color:var(--primary);box-shadow:var(--shadow-lg);transform:translateY(-4px)}.feature-card:hover:before{transform:scaleX(1)}.feature-icon{border-radius:14px;justify-content:center;align-items:center;width:52px;height:52px;margin-bottom:20px;font-size:24px;display:flex}.feature-icon.blue{color:#1d4ed8;background:#dbeafe}.feature-icon.purple{color:#7c3aed;background:#ede9fe}.feature-icon.green{color:#059669;background:#d1fae5}.feature-icon.orange{color:#ea580c;background:#ffedd5}.feature-icon.sky{color:#0284c7;background:#e0f2fe}.feature-icon.pink{color:#be185d;background:#fce7f3}.feature-card h3{color:var(--dark);margin-bottom:10px;font-size:18px}.feature-card p{color:var(--text-secondary);font-size:15px;line-height:1.65}.faq-list{flex-direction:column;gap:12px;margin-top:48px;display:flex}.faq-item{border:1px solid var(--border);background:#fff;border-radius:16px;transition:all .2s;overflow:hidden}.faq-item:hover{border-color:var(--primary);box-shadow:0 4px 20px #1a56db14}.faq-question{cursor:pointer;width:100%;color:var(--dark);text-align:left;background:0 0;border:none;justify-content:space-between;align-items:center;gap:16px;padding:22px 28px;font-family:Inter,sans-serif;font-size:16px;font-weight:600;display:flex}.faq-icon{background:var(--primary-light);width:28px;min-width:28px;height:28px;color:var(--primary);border-radius:50%;justify-content:center;align-items:center;font-size:16px;font-weight:700;transition:transform .3s;display:flex}.faq-item.open .faq-icon{background:var(--primary);color:#fff;transform:rotate(45deg)}.faq-answer{color:var(--text-secondary);padding:0 28px 22px;font-size:15px;line-height:1.7;display:none}.faq-item.open .faq-answer{display:block}.testimonials-grid{grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px;margin-top:48px;display:grid}.testimonial-card{-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);background:#ffffff0d;border:1px solid #ffffff1a;border-radius:20px;padding:28px}.stars{gap:4px;margin-bottom:16px;display:flex}.star{color:#fbbf24;font-size:16px}.testimonial-text{color:#fffc;margin-bottom:20px;font-size:15px;font-style:italic;line-height:1.7}.testimonial-author{align-items:center;gap:12px;display:flex}.author-avatar{color:#fff;border-radius:50%;justify-content:center;align-items:center;width:44px;height:44px;font-size:16px;font-weight:700;display:flex}.author-name{color:#fff;font-size:14px;font-weight:700}.author-title{color:#ffffff80;font-size:12px}.breadcrumb{color:#fff9;align-items:center;gap:8px;margin-bottom:20px;font-size:13px;display:flex}.breadcrumb a{color:#fff9;text-decoration:none;transition:color .2s}.breadcrumb a:hover{color:#fff}.breadcrumb-sep{color:#ffffff4d}.page-hero{background:var(--gradient-hero);padding:60px 24px;position:relative;overflow:hidden}.page-hero:before{content:"";background:radial-gradient(at 20%,#1a56db40 0%,#0000 60%);position:absolute;inset:0}.page-hero-container{z-index:1;max-width:1280px;margin:0 auto;position:relative}.page-hero-title{color:#fff;margin-bottom:14px;font-size:clamp(28px,4vw,46px)}.page-hero-sub{color:#ffffffa6;max-width:600px;font-size:17px;line-height:1.6}.prose{max-width:800px}.prose h2{color:var(--dark);margin-top:40px;margin-bottom:16px;font-size:26px}.prose h3{color:var(--dark);margin-top:28px;margin-bottom:12px;font-size:20px}.prose p{color:var(--text-secondary);margin-bottom:16px;font-size:16px;line-height:1.75}.prose ul,.prose ol{margin-bottom:16px;padding-left:24px}.prose li{color:var(--text-secondary);margin-bottom:8px;font-size:16px;line-height:1.65}.prose strong{color:var(--dark);font-weight:600}.prose a{color:var(--primary);text-decoration:underline}.table-wrapper{border:1px solid var(--border);border-radius:16px;margin-top:24px;margin-bottom:24px;overflow-x:auto}.data-table{border-collapse:collapse;width:100%}.data-table th{background:var(--dark);color:#fff;text-align:left;text-transform:uppercase;letter-spacing:.05em;padding:14px 20px;font-size:13px;font-weight:600}.data-table td{color:var(--text-secondary);border-bottom:1px solid var(--border);padding:14px 20px;font-size:14px}.data-table tr:last-child td{border-bottom:none}.data-table tr:nth-child(2n) td{background:var(--surface)}.amort-wrapper{border:1px solid var(--border);border-radius:12px;max-height:350px;margin-top:20px;overflow-y:auto}.chart-wrapper{background:var(--surface);border:1px solid var(--border);border-radius:16px;margin-top:24px;padding:20px}.info-box{background:var(--primary-light);border:1px solid #1a56db33;border-radius:16px;gap:16px;margin-top:24px;padding:20px 24px;display:flex}.info-box-icon{color:var(--primary);flex-shrink:0;margin-top:2px;font-size:20px}.info-box p{color:var(--text-secondary);margin:0;font-size:14px;line-height:1.6}.info-box strong{color:var(--primary)}.cta-section{text-align:center;background:linear-gradient(135deg,#1a56db,#7c3aed);padding:70px 24px}.cta-title{color:#fff;margin-bottom:16px;font-size:clamp(28px,4vw,44px)}.cta-sub{color:#ffffffbf;margin-bottom:36px;font-size:18px}.cta-buttons{flex-wrap:wrap;justify-content:center;gap:16px;display:flex}.btn-white{color:var(--primary);background:#fff;border-radius:12px;align-items:center;gap:8px;padding:14px 32px;font-size:16px;font-weight:700;text-decoration:none;transition:all .2s;display:inline-flex}.btn-white:hover{transform:translateY(-2px);box-shadow:0 8px 25px #0003}.btn-outline-white{color:#fff;background:0 0;border:2px solid #ffffff80;border-radius:12px;align-items:center;gap:8px;padding:14px 32px;font-size:16px;font-weight:700;text-decoration:none;transition:all .2s;display:inline-flex}.btn-outline-white:hover{background:#ffffff1a;border-color:#fff;transform:translateY(-2px)}.footer{background:var(--dark);color:#ffffffb3;padding:70px 24px 30px}.footer-grid{grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;max-width:1280px;margin:0 auto 48px;display:grid}.footer-brand p{max-width:300px;margin-top:16px;font-size:14px;line-height:1.7}.footer-heading{color:#fff;text-transform:uppercase;letter-spacing:.08em;margin-bottom:20px;font-size:13px;font-weight:700}.footer-links{flex-direction:column;gap:10px;list-style:none;display:flex}.footer-links a{color:#fff9;font-size:14px;text-decoration:none;transition:color .2s}.footer-links a:hover{color:#fff}.footer-bottom{border-top:1px solid #ffffff14;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:16px;max-width:1280px;margin:0 auto;padding-top:28px;font-size:13px;display:flex}.footer-disclaimer{color:#ffffff59;max-width:1280px;margin:20px auto 0;font-size:12px;line-height:1.7}.cookie-banner{z-index:1000;-webkit-backdrop-filter:blur(20px);backdrop-filter:blur(20px);background:#0f172af7;border-top:1px solid #ffffff1a;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:20px;padding:20px 24px;display:flex;position:fixed;bottom:0;left:0;right:0;box-shadow:0 -10px 40px #0000004d}.cookie-text{color:#ffffffbf;max-width:600px;font-size:14px;line-height:1.6}.cookie-text a{color:#60a5fa;text-decoration:underline}.cookie-buttons{flex-shrink:0;gap:12px;display:flex}.cookie-accept{color:#fff;cursor:pointer;background:linear-gradient(135deg,#1a56db,#7c3aed);border:none;border-radius:8px;padding:10px 24px;font-family:Inter,sans-serif;font-size:14px;font-weight:600;transition:all .2s}.cookie-accept:hover{transform:translateY(-1px);box-shadow:0 4px 15px #1a56db66}.cookie-decline{color:#fff9;cursor:pointer;background:0 0;border:1px solid #fff3;border-radius:8px;padding:10px 20px;font-family:Inter,sans-serif;font-size:14px;transition:all .2s}.cookie-decline:hover{color:#fff;border-color:#ffffff80}.contact-grid{grid-template-columns:1fr 1.5fr;align-items:start;gap:60px;margin-top:48px;display:grid}.contact-info-item{align-items:flex-start;gap:16px;margin-bottom:28px;display:flex}.contact-info-icon{background:var(--primary-light);width:44px;height:44px;color:var(--primary);border-radius:12px;flex-shrink:0;justify-content:center;align-items:center;font-size:18px;display:flex}.contact-info-text h4{color:var(--dark);margin-bottom:4px;font-size:15px}.contact-info-text p{color:var(--text-secondary);font-size:14px}.contact-form{border:1px solid var(--border);box-shadow:var(--shadow-md);background:#fff;border-radius:24px;padding:40px}.contact-form-row{grid-template-columns:1fr 1fr;gap:16px;display:grid}.contact-form .form-input.no-prefix{background:var(--surface)}textarea.form-input{resize:vertical;min-height:120px;padding-left:14px}.submit-btn{color:#fff;cursor:pointer;width:100%;box-shadow:var(--shadow-blue);background:linear-gradient(135deg,#1a56db,#7c3aed);border:none;border-radius:12px;justify-content:center;align-items:center;gap:8px;margin-top:8px;padding:15px;font-family:Inter,sans-serif;font-size:15px;font-weight:700;transition:all .25s;display:flex}.submit-btn:hover{transform:translateY(-2px);box-shadow:0 10px 30px #1a56db66}.team-grid{grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px;margin-top:48px;display:grid}.team-card{border:1px solid var(--border);text-align:center;background:#fff;border-radius:20px;padding:28px;transition:all .3s}.team-card:hover{border-color:var(--primary);box-shadow:var(--shadow-lg);transform:translateY(-4px)}.team-avatar{color:#fff;border-radius:50%;justify-content:center;align-items:center;width:80px;height:80px;margin:0 auto 16px;font-size:30px;font-weight:800;display:flex}.team-name{color:var(--dark);margin-bottom:6px;font-size:18px}.team-role{color:var(--text-muted);text-transform:uppercase;letter-spacing:.06em;font-size:13px;font-weight:600}.team-bio{color:var(--text-secondary);margin-top:14px;font-size:14px;line-height:1.6}.badge-strip{flex-wrap:wrap;align-items:center;gap:12px;display:flex}.trust-badge{color:#ffffffb3;background:#ffffff12;border:1px solid #ffffff1f;border-radius:8px;align-items:center;gap:6px;padding:7px 14px;font-size:13px;font-weight:500;display:flex}.breakdown-bars{flex-direction:column;gap:12px;margin-top:20px;display:flex}.breakdown-bar-item{align-items:center;gap:12px;display:flex}.bar-label{color:var(--text-secondary);flex-shrink:0;width:100px;font-size:13px;font-weight:500}.bar-track{background:var(--border);border-radius:100px;flex:1;height:10px;overflow:hidden}.bar-fill{border-radius:100px;height:100%;transition:width .8s cubic-bezier(.4,0,.2,1)}.bar-fill.blue{background:linear-gradient(90deg,#1a56db,#3b82f6)}.bar-fill.purple{background:linear-gradient(90deg,#7c3aed,#a78bfa)}.bar-fill.green{background:linear-gradient(90deg,#059669,#34d399)}.bar-fill.orange{background:linear-gradient(90deg,#ea580c,#fb923c)}.bar-value{color:var(--dark);text-align:right;flex-shrink:0;width:80px;font-size:13px;font-weight:600}.calc-section-wrapper{width:100%;max-width:960px;margin:0 auto;padding:40px 24px 80px}.calc-inputs-grid{grid-template-columns:1fr 1fr;gap:24px;width:100%;margin-bottom:28px;display:grid}.calc-toolbar{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px;width:100%;margin-top:24px;margin-bottom:16px;display:flex}.calc-export-actions{flex-wrap:wrap;gap:8px;display:flex}.article-section{padding:60px 24px}.article-layout-grid{grid-template-columns:minmax(0,1fr) 340px;align-items:start;gap:48px;width:100%;max-width:1200px;margin:0 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