:root {
  --navy: #071525;
  --navy-2: #0c2340;
  --navy-3: #16375c;
  --gold: #c4a574;
  --gold-2: #dbb98a;
  --gold-dark: #9a7a4a;
  --cream: #f4f0e8;
  --paper: #fbfaf7;
  --ink: #1a1714;
  --muted: #6a645c;
  --line: rgba(12, 35, 64, 0.1);
  --ok: #1b7a4e;
  --warn: #b45309;
  --bad: #b42318;
  --shadow: 0 24px 60px rgba(7, 21, 37, 0.12);
  --radius: 18px;
  --serif: "Cormorant Garamond", Georgia, serif;
  --sans: "Outfit", "Segoe UI", sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
  font-weight: 400;
}
img { max-width: 100%; height: auto; }
a { color: var(--navy-2); }
a:hover { color: var(--gold-dark); }
h1, h2, h3, .serif { font-family: var(--serif); font-weight: 600; letter-spacing: -0.02em; }
.container { width: min(1180px, calc(100% - 2.4rem)); margin-inline: auto; }
.skip-link { position: absolute; left: -999px; top: 0; background: #000; color: #fff; padding: .7rem 1rem; z-index: 200; }
.skip-link:focus { left: 1rem; top: 1rem; }
.muted { color: var(--muted); }

.site-header {
  position: sticky; top: 0; z-index: 80;
  background: rgba(7, 21, 37, 0.94);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(196, 165, 116, 0.22);
}
.header-inner { display: flex; align-items: center; gap: 1.2rem; padding: 0.85rem 0; }
.logo { display: flex; align-items: center; gap: 0.65rem; text-decoration: none; color: #fff; }
.logo-text { font-family: var(--serif); font-size: 1.35rem; font-weight: 600; }
.logo-text em { font-style: italic; color: var(--gold); font-weight: 500; }
.main-nav { display: flex; gap: 1.15rem; flex-wrap: wrap; }
.main-nav a { color: rgba(255,255,255,.82); text-decoration: none; font-size: .92rem; }
.main-nav a[aria-current="page"], .main-nav a:hover { color: var(--gold-2); }
.header-actions { margin-left: auto; display: flex; align-items: center; gap: 0.9rem; }
.header-phone { color: var(--gold-2); text-decoration: none; font-weight: 500; letter-spacing: .02em; }
.nav-toggle { display: none; background: transparent; color: #fff; border: 1px solid rgba(255,255,255,.25); border-radius: 999px; padding: .4rem .8rem; }

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .4rem;
  border-radius: 999px; padding: .72rem 1.25rem; border: 1px solid transparent;
  font-weight: 600; text-decoration: none; cursor: pointer; font-family: inherit; font-size: .95rem;
}
.btn-gold { background: linear-gradient(180deg, var(--gold-2), var(--gold)); color: var(--navy); box-shadow: 0 10px 24px rgba(196,165,116,.28); }
.btn-gold:hover { color: var(--navy); filter: brightness(1.05); }
.btn-navy { background: var(--navy-2); color: #fff; }
.btn-navy:hover { color: #fff; }
.btn-ghost { background: transparent; border-color: var(--line); color: var(--ink); }
.btn-ghost-light { background: transparent; border-color: rgba(255,255,255,.28); color: #fff; }

.hero {
  position: relative;
  background:
    linear-gradient(105deg, rgba(7,21,37,.88) 0%, rgba(12,35,64,.72) 48%, rgba(7,21,37,.45) 100%),
    url("https://images.unsplash.com/photo-1600596542815-ffad4c1539a9?auto=format&fit=crop&w=1800&q=80") center/cover no-repeat;
  color: #fff;
  padding: 4.5rem 0 4rem;
}
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 2.2rem; align-items: start; }
.kicker { color: var(--gold-2); letter-spacing: .16em; text-transform: uppercase; font-size: .78rem; font-weight: 600; margin: 0 0 .7rem; }
.hero h1 { font-size: clamp(2.4rem, 4.4vw, 4.1rem); line-height: 1.08; margin: 0 0 1rem; }
.hero .lede { font-size: 1.12rem; max-width: 38rem; color: rgba(255,255,255,.84); }
.trust-badges { display: flex; flex-wrap: wrap; gap: .6rem; margin: 1.4rem 0 0; padding: 0; list-style: none; }
.trust-badges li {
  border: 1px solid rgba(196,165,116,.35);
  background: rgba(255,255,255,.06);
  border-radius: 999px; padding: .4rem .8rem; font-size: .82rem;
}

.widget {
  background: var(--paper);
  color: var(--ink);
  border-radius: 22px;
  padding: 1.4rem;
  box-shadow: var(--shadow);
  border: 1px solid rgba(196,165,116,.28);
}
.widget h2 { margin: 0 0 1rem; font-size: 1.55rem; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: .85rem; }
.field { display: flex; flex-direction: column; gap: .32rem; }
.field label { font-size: .82rem; font-weight: 600; color: var(--navy-2); }
.field input, .field select, .field textarea {
  border: 1px solid var(--line); border-radius: 12px; padding: .7rem .8rem;
  font: inherit; background: #fff; color: var(--ink);
}
.field textarea { min-height: 8rem; resize: vertical; }
.widget-result { margin-top: 1rem; padding: 1rem; background: var(--cream); border-radius: 14px; }
.widget-result strong { display: block; font-size: 1.45rem; font-family: var(--serif); }
.full { grid-column: 1 / -1; }

.section { padding: 4.2rem 0; }
.section-cream { background: var(--cream); }
.section-navy { background: var(--navy-2); color: #fff; }
.section h2 { font-size: clamp(1.8rem, 3vw, 2.6rem); margin: 0 0 .6rem; }
.section .intro { max-width: 42rem; color: var(--muted); margin-bottom: 1.8rem; }
.section-navy .intro { color: rgba(255,255,255,.75); }

.ai-banner {
  display: grid; grid-template-columns: 1.2fr .8fr; gap: 2rem; align-items: center;
}
.ai-visual {
  min-height: 280px; border-radius: 20px;
  background:
    linear-gradient(180deg, rgba(12,35,64,.2), rgba(12,35,64,.55)),
    url("https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=1200&q=80") center/cover;
  border: 1px solid rgba(196,165,116,.25);
}

.table-wrap { overflow-x: auto; border-radius: 16px; border: 1px solid var(--line); background: #fff; }
table { width: 100%; border-collapse: collapse; min-width: 640px; }
th, td { text-align: left; padding: .9rem 1rem; border-bottom: 1px solid var(--line); }
th { font-size: .78rem; letter-spacing: .04em; text-transform: uppercase; color: var(--muted); background: #faf8f4; }
.rate { font-weight: 700; color: var(--ok); }
.filters { display: flex; flex-wrap: wrap; gap: .5rem; margin-bottom: 1rem; }
.chip { border: 1px solid var(--line); background: #fff; border-radius: 999px; padding: .4rem .85rem; cursor: pointer; font: inherit; }
.chip.active { background: var(--navy-2); color: #fff; border-color: var(--navy-2); }

.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; }
.step {
  background: #fff; border-radius: var(--radius); padding: 1.4rem 1.3rem;
  border: 1px solid var(--line); box-shadow: 0 10px 30px rgba(7,21,37,.05);
}
.step-num { color: var(--gold-dark); font-family: var(--serif); font-size: 1.8rem; margin: 0; }
.step h3 { margin: .2rem 0 .5rem; font-size: 1.35rem; }

.quotes { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.1rem; }
.quote { background: #fff; border-radius: var(--radius); padding: 1.3rem; border: 1px solid var(--line); }
.stars { color: var(--gold-dark); letter-spacing: .08em; margin: 0 0 .5rem; }
.quote footer { margin-top: 1rem; color: var(--muted); font-size: .9rem; }

.site-footer { background: var(--navy); color: rgba(255,255,255,.82); padding: 3.2rem 0 1.6rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 1.6rem; }
.site-footer h2 { color: #fff; font-size: 1.15rem; margin: 0 0 .7rem; }
.site-footer address { font-style: normal; }
.site-footer a { color: var(--gold-2); text-decoration: none; }
.footer-links { list-style: none; margin: 0; padding: 0; }
.footer-links li { margin: .35rem 0; }
.footer-lead { color: rgba(255,255,255,.7); }
.trust-row { display: flex; flex-wrap: wrap; gap: .45rem; }
.trust-row span { font-size: .75rem; border: 1px solid rgba(196,165,116,.3); border-radius: 999px; padding: .25rem .6rem; }
.footer-legal { margin-top: 2rem; padding-top: 1.2rem; border-top: 1px solid rgba(255,255,255,.08); font-size: .82rem; color: rgba(255,255,255,.55); }

.cookie-bar {
  position: fixed; bottom: 1rem; left: 50%; transform: translateX(-50%);
  width: min(720px, calc(100% - 1.5rem));
  background: #fff; border: 1px solid var(--line); border-radius: 16px;
  box-shadow: var(--shadow); padding: 1rem 1.1rem; z-index: 90;
  display: none;
  gap: 1rem; align-items: center; justify-content: space-between; flex-wrap: wrap;
}
.cookie-bar.is-open { display: flex; }
.cookie-bar[hidden] { display: none !important; }
.cookie-actions { display: flex; gap: .6rem; flex-wrap: wrap; }
.cookie-actions .btn { pointer-events: auto; cursor: pointer; }

.page-hero { padding: 3.2rem 0 1.4rem; background: var(--cream); border-bottom: 1px solid var(--line); }
.page-hero h1 { font-size: clamp(2rem, 3.5vw, 3.2rem); margin: 0 0 .5rem; }

.wizard { background: #fff; border-radius: 22px; border: 1px solid var(--line); padding: 1.6rem; box-shadow: var(--shadow); }
.progress { display: flex; gap: .5rem; margin-bottom: 1.4rem; }
.progress span { flex: 1; height: 4px; background: #e7e1d6; border-radius: 99px; }
.progress span.done { background: var(--gold); }
.wizard-nav { display: flex; gap: .7rem; margin-top: 1.2rem; }
.hidden { display: none !important; }
.choice-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: .8rem; }
.choice {
  border: 1px solid var(--line); border-radius: 14px; padding: 1rem; cursor: pointer; background: #fff; text-align: left; font: inherit;
}
.choice.selected, .choice:hover { border-color: var(--gold); background: #fbf6ee; }
.result-card {
  background: linear-gradient(180deg, #0c2340, #071525); color: #fff;
  border-radius: 20px; padding: 1.6rem;
}
.result-metrics { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-top: 1rem; }
.metric span { display: block; font-size: .8rem; color: rgba(255,255,255,.65); }
.metric strong { font-size: 1.35rem; font-family: var(--serif); }
.panel .metric span { color: var(--muted); }
.panel .metric strong { color: var(--ink); }

.calc-layout { display: grid; grid-template-columns: .95fr 1.05fr; gap: 1.4rem; align-items: start; }
.panel { background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 1.3rem; }
.bar { height: 10px; background: #ece7de; border-radius: 99px; overflow: hidden; }
.bar > i { display: block; height: 100%; background: var(--gold); }
.bar.warn > i { background: var(--warn); }
.bar.bad > i { background: var(--bad); }
.ok { color: var(--ok); font-weight: 700; }
.bad { color: var(--bad); font-weight: 700; }
.bank-list { display: grid; gap: .8rem; }
.bank-card {
  display: grid; grid-template-columns: 1.3fr .7fr .8fr auto; gap: .8rem; align-items: center;
  border: 1px solid var(--line); border-radius: 16px; padding: 1rem 1.1rem; background: #fff;
}
.bank-card h3 { margin: 0; font-size: 1.15rem; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem; }
.procon { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 1.2rem; }
.procon ul { margin: .4rem 0 0; padding-left: 1.1rem; }
.compare { margin-top: 1.5rem; }

.team { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.person { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 1.2rem; }
.person .role { color: var(--gold-dark); font-size: .88rem; margin: 0; }
.map-note {
  background: var(--navy-2); color: #fff; border-radius: 18px; padding: 1.4rem;
  min-height: 220px; display: flex; flex-direction: column; justify-content: flex-end;
}

.legal h2 { font-size: 1.5rem; margin-top: 2rem; }
.legal p, .legal li { color: #3f3a35; }

@media (max-width: 960px) {
  .hero-grid, .ai-banner, .steps, .quotes, .footer-grid, .calc-layout, .team, .choice-grid, .split, .bank-card, .result-metrics {
    grid-template-columns: 1fr;
  }
  .header-phone { display: none; }
  .nav-toggle { display: inline-flex; }
  .main-nav { display: none; width: 100%; flex-direction: column; }
  .main-nav.open { display: flex; }
  .header-inner { flex-wrap: wrap; }
  .header-actions .btn { display: none; }
}