:root{
  --navy:#0B2545;--navy-2:#12345E;--ink:#13233A;--muted:#4A5A70;--line:#E2E7EE;--line-2:#D5DCE6;
  --bg:#F4F6F9;--card:#FFFFFF;--green:#0B7A55;--green-d:#075C40;--green-bg:#EEF8F3;--green-line:#CDEBDD;
  --mint:#5FD3A4;--sky:#C9D6E8;--warn-bg:#FFF8E8;--warn-line:#F0DDAE;--warn-ink:#4D3B12;
  --r:16px;--head:'Plus Jakarta Sans',Inter,system-ui,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.55 Inter,system-ui,-apple-system,Segoe UI,sans-serif}
a{color:var(--green)}a:hover{color:var(--green-d)}
img{max-width:100%;height:auto}
h1,h2,h3{font-family:var(--head);letter-spacing:-.015em;line-height:1.2}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.wrap{max-width:1160px;margin:0 auto;padding:0 16px}
@media(min-width:720px){.wrap{padding:0 24px}}
.muted{color:var(--muted)}

/* Header */
.topbar{background:var(--navy);color:var(--sky);font-size:13px;padding:8px 16px;text-align:center}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:relative;z-index:20}
.header-in{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px 24px;padding-top:12px;padding-bottom:12px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}
.logo-mark{width:36px;height:36px;border-radius:10px;background:var(--green);color:#fff;display:flex;align-items:center;justify-content:center;font:800 18px var(--head)}
.logo-text{font:800 22px var(--head);letter-spacing:-.02em}
.main-nav{display:flex;flex-wrap:wrap;gap:6px 22px;font-size:15px;font-weight:500;order:3;width:100%}
.main-nav a{color:var(--ink);text-decoration:none;padding:6px 0}
.main-nav a[aria-current]{color:var(--green);font-weight:700}
@media(min-width:900px){.main-nav{order:0;width:auto}}
.country-pick{position:relative}
.country-pick summary{list-style:none;display:flex;align-items:center;gap:8px;border:1px solid var(--line-2);border-radius:999px;padding:8px 14px;font-size:14px;font-weight:600;cursor:pointer;min-height:44px;color:var(--ink)}
.country-pick summary::-webkit-details-marker{display:none}
.country-pick summary svg{color:var(--green)}
.country-menu{position:absolute;right:0;top:calc(100% + 8px);background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 16px 40px rgba(11,37,69,.15);padding:8px;display:grid;grid-template-columns:repeat(2,minmax(140px,1fr));gap:2px;min-width:300px}
.country-menu a{padding:10px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-size:14px}
.country-menu a:hover{background:var(--bg)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:52px;padding:0 24px;border-radius:12px;font:700 16px Inter,system-ui,sans-serif;text-decoration:none;cursor:pointer;border:0}
.btn-primary{background:var(--green);color:#fff}.btn-primary:hover{background:var(--green-d);color:#fff}
.btn-ghost{background:#fff;color:var(--ink);border:1px solid var(--line-2);font-weight:600}
.btn-block{display:flex;width:100%}

/* Hero */
.hero{background:linear-gradient(180deg,var(--navy),var(--navy-2));color:#fff}
.hero-in{display:grid;gap:36px;padding-top:40px;padding-bottom:48px;align-items:center}
@media(min-width:900px){.hero-in{grid-template-columns:1fr 1fr;gap:48px;padding-top:56px;padding-bottom:64px}}
.hero-single{grid-template-columns:1fr!important;text-align:center;max-width:760px}
.badge{display:inline-block;background:rgba(255,255,255,.1);border-radius:999px;padding:6px 14px;font-size:13px;font-weight:600;color:#BFE8D7}
.hero h1{font-size:clamp(30px,5vw,46px);margin:16px 0 14px}
.lead{font-size:18px;color:var(--sky);margin:0 0 24px;max-width:540px}
.hero-single .lead{margin:0 auto}
.ticks{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:12px 20px;color:#E5ECF5;font-size:15px}
.ticks li{display:flex;align-items:center;gap:8px}.ticks svg{color:var(--mint)}

/* Mini calculator */
.calc-card{background:#fff;color:var(--ink);border-radius:20px;padding:24px;box-shadow:0 20px 50px rgba(5,20,40,.35)}
@media(min-width:720px){.calc-card{padding:28px}}
.calc-h{font:700 20px var(--head);margin-bottom:18px}
.range-label{display:flex;justify-content:space-between;align-items:baseline;gap:12px;font-size:14px;font-weight:600;color:var(--muted)}
.range-label strong{color:var(--navy);font-size:16px}
input[type=range]{width:100%;accent-color:var(--green);margin:10px 0 20px;height:28px}
.rate-pills{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px;margin:10px 0 20px}
.pill{position:relative}
.pill input{position:absolute;opacity:0;inset:0}
.pill span{display:flex;align-items:center;justify-content:center;min-height:44px;border:1px solid var(--line-2);border-radius:10px;font-weight:700;font-size:15px;cursor:pointer}
.pill input:checked+span{background:var(--navy);border-color:var(--navy);color:#fff}
.pill input:focus-visible+span{outline:3px solid var(--mint);outline-offset:2px}
.calc-out{background:var(--green-bg);border-radius:14px;padding:16px 18px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin-bottom:16px}
.out-l{font-size:12px;color:var(--muted)}
.out-big{font:800 22px var(--head);color:var(--green)}
.out-m{font-size:16px;font-weight:700;margin-top:4px}
@media(max-width:420px){.calc-out{grid-template-columns:1fr 1fr}.calc-out>div:first-child{grid-column:1/-1}}
.calc-note{font-size:12px;color:var(--muted);margin:12px 0 0}

/* Ads */
.ad{margin:40px auto 0;text-align:center;min-height:280px}
.ad-wide{min-height:100px}
@media(max-width:719px){.ad-wide{min-height:280px}}
.ad-label{display:block;font-size:11px;letter-spacing:.08em;text-transform:uppercase;font-weight:600;color:#6B7A8E;margin-bottom:6px}
.ad-preview{border:1px dashed #AEB9C8;border-radius:12px;background:#fff;display:flex;flex-direction:column;align-items:center;justify-content:center;color:#5B6B80;font-size:13px}

/* Sections & cards */
.section{padding-top:48px}
.section-last{padding-bottom:56px}
.section-tight{padding-top:40px}
.section h2,.section-tight h2{font-size:clamp(24px,3vw,30px);margin:0 0 8px}
.section-p{color:var(--muted);margin:0 0 24px}
.section-tight h2{margin-bottom:18px}
.grid{display:grid;gap:16px}
.grid-2{grid-template-columns:repeat(auto-fit,minmax(min(100%,260px),1fr))}
.grid-3{grid-template-columns:repeat(auto-fit,minmax(min(100%,240px),1fr))}
.grid-4{grid-template-columns:repeat(auto-fit,minmax(min(100%,250px),1fr))}
.grid-5{grid-template-columns:repeat(auto-fit,minmax(min(100%,210px),1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r)}
.type-card{display:flex;flex-direction:column;gap:10px;padding:22px;text-decoration:none;color:var(--ink)}
.type-card:hover{border-color:var(--green-line);box-shadow:0 8px 24px rgba(11,37,69,.08)}
.type-ico{width:44px;height:44px;border-radius:12px;background:var(--green-bg);color:var(--green);display:flex;align-items:center;justify-content:center}
.type-name{font-weight:700;font-size:17px}
.type-desc{font-size:14px;color:var(--muted)}
.type-more{font-size:14px;font-weight:700;color:var(--green);margin-top:auto}
.steps{padding:28px;display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(min(100%,240px),1fr))}
.step-n{font:800 40px var(--head);color:var(--green)}
.step-t{font-weight:700;font-size:17px;margin:4px 0}
.step-p{font-size:15px;color:var(--muted)}
.tool-card{padding:24px;text-decoration:none;color:var(--ink);display:flex;flex-direction:column;gap:8px}
.tool-name{font-weight:700;font-size:17px}
.tool-desc{font-size:14px;color:var(--muted)}
.tool-card-dark{background:var(--navy);border-color:var(--navy);color:#fff}
.tool-card-dark .tool-desc{color:var(--sky)}
.tool-card-dark:hover{color:#fff}
.tool-card-green{background:var(--green-bg);border-color:var(--green-line)}
.post-card{overflow:hidden;text-decoration:none;color:var(--ink);display:flex;flex-direction:column}
.post-thumb{height:140px;display:flex;align-items:flex-end;padding:14px}
.tint-0{background:#DCEBF7}.tint-1{background:#E3F3EC}.tint-2{background:#F3EBDD}.tint-3{background:#E8E4F4}
.post-cat{background:#fff;border-radius:999px;padding:4px 10px;font-size:12px;font-weight:600;color:var(--navy)}
.post-title{padding:16px 18px 18px;font-weight:700;line-height:1.4}
.country-card{padding:22px;text-decoration:none;color:var(--ink);display:flex;align-items:center;gap:14px;font-weight:700}
.cc{width:44px;height:44px;border-radius:12px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:14px}
.link-card{padding:20px 22px;text-decoration:none;color:var(--ink);font-weight:700}
.link-card-green{background:var(--green-bg);border-color:var(--green-line);color:var(--green-d)}

/* Pages */
.page{padding-top:24px;padding-bottom:56px}
.crumbs{font-size:13px;color:var(--muted);display:flex;flex-wrap:wrap;gap:6px}
.crumbs a{color:var(--muted)}
.page-h1{font-size:clamp(28px,4vw,38px);margin:12px 0 8px}
.page-lead{font-size:17px;color:var(--muted);max-width:700px;margin:0 0 24px}
.tool-grid{display:grid;gap:20px;align-items:start}
@media(min-width:900px){.tool-grid{grid-template-columns:1fr 1fr}}
.tool-form{padding:24px;display:flex;flex-direction:column;gap:16px}
.field label{display:block;font-size:14px;font-weight:600;color:var(--muted);margin-bottom:8px}
.field input{width:100%;min-height:48px;border:1px solid var(--line-2);border-radius:10px;padding:0 14px;font:600 17px Inter,system-ui,sans-serif;color:var(--ink);background:#fff}
.field input:focus{outline:3px solid var(--green-line);border-color:var(--green)}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.tool-side{display:flex;flex-direction:column;gap:16px}
.result-card{background:var(--navy);color:#fff;border-radius:20px;padding:24px}
@media(min-width:720px){.result-card{padding:28px}}
.res-l{font-size:14px;color:var(--sky)}
.res-big{font:800 clamp(36px,6vw,48px) var(--head);letter-spacing:-.02em;margin:4px 0 18px}
.res-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.res-m{font-size:20px;font-weight:700;margin-top:4px}
.res-bar{margin-top:20px;height:12px;border-radius:999px;background:#3A5A85;overflow:hidden}
.res-bar div{height:100%;background:var(--mint)}
.res-legend{display:flex;justify-content:space-between;font-size:13px;color:var(--sky);margin-top:8px}
.res-apr{display:flex;justify-content:space-between;margin-top:16px;padding-top:14px;border-top:1px solid #23406A;color:var(--sky);font-size:14px}
.res-apr strong{color:#fff;font-size:18px}
.checks{display:flex;flex-direction:column;gap:10px;margin-top:20px;padding-top:16px;border-top:1px solid #23406A;font-size:14px}
.check{display:flex;align-items:center;gap:10px}
.check-dot{flex:0 0 auto;width:20px;height:20px;border-radius:999px;background:var(--mint);position:relative}
.check-dot::after{content:"";position:absolute;left:7px;top:3px;width:5px;height:10px;border:solid var(--navy);border-width:0 2px 2px 0;transform:rotate(45deg)}
.check[data-ok="0"] .check-dot{background:#FFC85A}
.check[data-ok="0"] .check-dot::after{left:9px;top:4px;width:0;height:8px;border-width:0 2px 0 0;transform:none}
.res-verdict{margin:18px 0 0;padding:12px 14px;border-radius:10px;background:rgba(95,211,164,.15);color:#D9F5E9;font-size:14px}
.res-warn{background:rgba(255,200,90,.15);color:#FFE9BD}
.tip{background:var(--warn-bg);border:1px solid var(--warn-line);border-radius:14px;padding:16px 18px;font-size:14px;color:var(--warn-ink)}
.prose{max-width:760px}
.prose h2{font-size:26px;margin:40px 0 12px}
.prose p,.prose li{font-size:16px;line-height:1.7;color:#2E3E55}
.fact{padding:18px}.fact-t{font-weight:700;margin-bottom:6px}.fact-p{font-size:14px;color:var(--muted)}
.card-h{font-size:19px;margin:0 0 14px}.card-h-light{color:#fff}
.result-grid>.card{padding:24px}
.rate-row{display:grid;grid-template-columns:1fr 1fr 1fr;gap:8px;padding:12px 0;border-bottom:1px solid var(--line);align-items:center}
.rate-row strong{font-size:18px;color:var(--green)}
.rate-head{font-size:12px;color:var(--muted);padding-top:0}
.advice{display:flex;flex-direction:column;gap:6px;padding:20px 22px;text-decoration:none;color:var(--ink);margin-bottom:12px}
.advice-t{font-weight:700;font-size:17px}.advice-p{font-size:15px;color:var(--muted)}

/* Article */
.article{max-width:780px}
.meta{font-size:13px;color:var(--muted);margin-bottom:16px}
.article-img{display:block;border-radius:16px;margin:8px 0 24px;aspect-ratio:3/2;object-fit:cover;width:100%}
.article-calc{margin:0 0 8px}
.article-calc .calc-card{box-shadow:none;border:1px solid var(--line)}
.article-body table{width:100%;border-collapse:collapse;display:block;overflow-x:auto}
.article-body td,.article-body th{border:1px solid var(--line);padding:8px 10px}

/* Funnel */
.funnel-wrap{max-width:760px;margin:0 auto;padding:28px 16px 56px}
.progress-top{display:flex;justify-content:space-between;font-size:14px;font-weight:600;color:var(--muted);margin-bottom:10px}
.progress{height:8px;background:#DDE3EB;border-radius:999px;overflow:hidden}
.progress div{height:100%;background:var(--green);border-radius:999px}
.funnel-card{padding:24px;margin-top:24px}
@media(min-width:720px){.funnel-card{padding:32px}}
.funnel-sum{font-size:14px;color:var(--green);font-weight:700;margin-bottom:8px}
.funnel-h{font-size:clamp(24px,4vw,30px);margin:0 0 8px}
.funnel-p{margin:0 0 22px;color:var(--muted)}
.options{border:0;margin:0;padding:0;display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(min(100%,240px),1fr))}
.option{position:relative;display:flex;align-items:center;gap:14px;min-height:72px;padding:14px 18px;border:2px solid var(--line);border-radius:14px;cursor:pointer;background:#fff}
.option input{position:absolute;opacity:0;inset:0;cursor:pointer}
.opt-dot{flex:0 0 auto;width:20px;height:20px;border-radius:999px;border:2px solid #AEB9C8}
.opt-txt{display:flex;flex-direction:column;gap:2px}
.opt-l{font-weight:700}.opt-h{font-size:13px;color:var(--muted)}
.option:has(input:checked){background:var(--green-bg);border-color:var(--green)}
.option:has(input:checked) .opt-dot{border:6px solid var(--green)}
.option:has(input:focus-visible){outline:3px solid var(--green-line);outline-offset:2px}
.form-err{color:#B42318;font-weight:600;margin:12px 0 0}
.funnel-nav{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;margin-top:28px}
.funnel-note{font-size:13px;color:var(--muted);text-align:center;margin:16px 0 0}
.funnel-wrap .ad{margin-top:48px}

/* Footer */
.site-footer{background:var(--navy);color:var(--sky);font-size:14px}
.footer-grid{display:grid;gap:28px;grid-template-columns:repeat(auto-fit,minmax(min(100%,200px),1fr));padding-top:44px;padding-bottom:28px}
.footer-logo{font:800 22px var(--head);color:#fff;margin-bottom:10px}
.site-footer p{margin:0}
.site-footer a{color:var(--sky);text-decoration:none}.site-footer a:hover{color:#fff}
.footer-col{display:flex;flex-direction:column;gap:8px}
.footer-h{color:#fff;font-weight:700;margin-bottom:4px}
.footer-countries{display:grid;grid-template-columns:1fr 1fr;gap:8px 16px}
.post-list{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(min(100%,320px),1fr))}
.post-row{display:flex;gap:14px;align-items:center;padding:12px;text-decoration:none;color:var(--ink)}
.post-row img,.post-row .ph{flex:0 0 96px;width:96px;height:64px;border-radius:10px;object-fit:cover;background:var(--green-bg)}
.post-row span{font-weight:700;line-height:1.35;font-size:15px}
.page-body{max-width:780px}
.footer-legal{border-top:1px solid #23406A;padding-top:20px;padding-bottom:32px;font-size:13px}