:root {
  --navy:#0B2148; --gold:#C89A2B; --cream:#FFF8EA; --ink:#1B2A3B; --muted:#6A778B;
  --card:#fff; --border:rgba(11,33,72,.12); --shadow:0 18px 48px rgba(11,33,72,.1);
  --radius:18px; --s3:16px; --s4:24px; --s5:32px; --s6:48px;
}
*{box-sizing:border-box} body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:var(--cream)}
.container{max-width:1180px;margin:0 auto;padding:0 var(--s4)}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--border)}
.header-inner{display:flex;align-items:center;gap:var(--s4);padding:12px 0}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:inherit}.brand .logo{height:44px}
.beta{font-weight:700;color:var(--navy);background:rgba(200,154,43,.15);border:1px solid rgba(200,154,43,.3);border-radius:999px;padding:4px 10px;font-size:12px}
.nav{display:flex;gap:var(--s4);margin-left:auto;align-items:center}.nav a{color:var(--navy);text-decoration:none;font-weight:700}
.lang select{appearance:none;background:#fff;border:1px solid var(--border);border-radius:10px;padding:8px 10px;color:var(--ink)}

.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 16px;border-radius:12px;border:1px solid var(--border);font-weight:800;text-decoration:none;cursor:pointer}
.btn-pill{border-radius:999px}.btn-lg{padding:14px 20px;font-size:16px}
.btn-primary{background:linear-gradient(180deg,var(--gold),#B98A1F);color:#fff;border-color:#B98A1F;box-shadow:0 10px 26px rgba(200,154,43,.25)}
.btn-ghost{background:#fff;color:var(--navy)}

.hero{padding:var(--s6) 0 var(--s5);border-bottom:1px solid var(--border)}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:var(--s5);align-items:start}
.display{font-size:56px;line-height:1.05;margin:0 0 var(--s3);color:var(--navy)}
.lead{font-size:18px;color:var(--muted);max-width:58ch;margin-bottom:var(--s4)}
.badges{display:flex;gap:10px;margin:14px 0 18px;flex-wrap:wrap}
.badge{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--border);background:#fff;border-radius:999px;padding:6px 10px;font-weight:700;color:var(--navy)}
.badge svg{width:16px;height:16px}

.hero-calc{padding:24px;border-radius:18px;background:#fff;border:1px solid var(--border);box-shadow:var(--shadow)}
label{font-size:14px;color:var(--muted);margin-bottom:6px;display:block}
input{width:100%;padding:14px;border-radius:12px;border:1px solid var(--border);background:#fff;color:var(--ink);margin-bottom:12px}
.rate-toggle{display:flex;align-items:center;gap:10px;margin:6px 0 12px;color:var(--muted)}
.switch{position:relative;display:inline-block;width:46px;height:24px}.switch input{opacity:0;width:0;height:0}
.slider{position:absolute;cursor:pointer;top:0;left:0;right:0;bottom:0;background:#cfd5de;transition:.2s;border-radius:12px}
.slider:before{position:absolute;content:'';height:18px;width:18px;left:3px;bottom:3px;background:#fff;transition:.2s;border-radius:50%}
input:checked + .slider{background:var(--gold)} input:checked + .slider:before{transform:translateX(22px)}

.rates{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--s3);margin:6px 0 6px}
.result{margin-top:14px;background:#fff;border:1px solid var(--border);border-radius:12px;padding:12px}
.result .row{display:flex;justify-content:space-between;gap:16px;padding:10px 0;border-bottom:1px dashed rgba(11,33,72,.15)}
.result .row:last-child{border-bottom:0}.result .divider{height:1px;background:var(--border);margin:8px 0}
.result .timestamp{margin-top:8px;font-size:12px;color:var(--muted)}
.disclaimer{font-size:12px;color:var(--muted);margin-top:10px}

.section{padding:var(--s6) 0;border-bottom:1px solid var(--border)} .section.alt{background:#fff}
.section-title{font-size:28px;color:var(--navy);margin:0 0 var(--s4)}
.how-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--s4)}
.card{background:#fff;border:1px solid var(--border);border-radius:18px;padding:var(--s4);box-shadow:var(--shadow)}
.ico{width:22px;height:22px;color:var(--gold)}

.phone-preview .phone-inner{width:340px;margin:auto;border:1px solid var(--border);border-radius:24px;padding:16px;box-shadow:var(--shadow);background:#fff}
.chat{border-radius:14px;padding:10px 12px;margin:10px 0;max-width:85%}
.chat.outgoing{background:#e8f0ff;margin-left:auto}
.chat.incoming{background:#f6f7fb;border:1px dashed rgba(11,33,72,.15)}
.chat.incoming.ok{background:#ecfff3;border:1px solid rgba(0,160,80,.2)}
.chat small{color:var(--muted)}

.section.alt .tiers{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:18px}
.tier{background:#fff;border:1px solid var(--border);border-radius:20px;padding:22px 24px;box-shadow:var(--shadow)}
.tier-range{font-weight:800;color:var(--navy);font-size:20px}
.tier-fee{display:block;margin-top:6px;color:var(--gold);font-weight:800;font-size:18px}
.footnote{color:var(--muted);font-size:13px;margin-top:12px}

.section.dark{background:var(--navy)}
.section.dark .section-title, .section.dark .caption, .section.dark .partners-disclaimer{color:#fff}
.section.dark .logos{display:flex;gap:28px;flex-wrap:wrap;align-items:center}
.section.dark .logos img{height:54px;width:auto;object-fit:contain;filter:none;opacity:1;background:transparent;border:0;box-shadow:none}

.cta{display:grid;grid-template-columns:1.2fr .8fr;gap:var(--s4);align-items:center}
.cta .form-grid{display:grid;grid-template-columns:2fr 2fr 1fr auto;gap:var(--s3)}
.qr img{height:200px;width:200px;object-fit:contain;background:#fff;border:1px solid var(--border);border-radius:12px}
.qr .small{margin-top:8px}
.trustline{display:flex;align-items:center;gap:8px}.muted{color:var(--muted)}

.site-footer{border-top:1px solid var(--border);background:#fff;margin-top:var(--s6)}
.footer-inner{display:flex;align-items:center;justify-content:space-between;padding:var(--s6) 0;gap:var(--s4)}
.footer-links{display:flex;gap:var(--s4);flex-wrap:wrap;align-items:center}.copyright{color:var(--muted)}
.logo.small{height:26px;margin-right:8px}

@media (max-width:1000px){
  .hero-grid{grid-template-columns:1fr}
  .cta .form-grid{grid-template-columns:1fr}
  .phone-preview .phone-inner{width:100%}
  .display{font-size:42px}.footer-inner{flex-direction:column;align-items:flex-start}
}