:root{--ink:#0f1b2d;--soft:#55657a;--line:#e2e8f0;--bg:#f4f7fb;--navy:#0f2a4a;--navy2:#173c66;--go:#0a8f63;--go2:#087a55;--mint:#e6f6ef;--gold:#f5b800;--red:#d4493a;--amber:#f08a24;--max:700px;--r:14px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font:17px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
a{color:var(--navy2)}img,svg{max-width:100%}
.wrap{max-width:var(--max);margin:0 auto;padding:0 18px}
.num{font-variant-numeric:tabular-nums}
/* required notices + disclosure */
.law{background:#fff8e1;border-bottom:1px solid #f1dc9b;font-size:13.5px;line-height:1.45;padding:10px 0;color:#4a3b00}
.law b{display:block;letter-spacing:.02em}
.law .btn{display:inline-block;margin:6px 8px 0 0;padding:5px 10px;border-radius:6px;background:#4a3b00;color:#fff;text-decoration:none;font-weight:600;font-size:13px}
.law a{color:#4a3b00}
.disc{background:var(--bg);font-size:12.5px;color:var(--soft);padding:7px 0;border-bottom:1px solid var(--line)}
.disc a{color:var(--soft)}
header.top{padding:12px 0;border-bottom:1px solid var(--line);background:#fff}
header.top .wrap{display:flex;align-items:center;justify-content:space-between}
.brand{font-weight:800;font-size:18px;text-decoration:none;color:var(--navy);letter-spacing:-.01em;display:flex;align-items:center;gap:8px}
.brand i{width:22px;height:22px;border-radius:6px;background:conic-gradient(var(--red) 0 25%,var(--amber) 0 50%,var(--gold) 0 70%,var(--go) 0);display:inline-block}
.upd{font-size:12.5px;color:var(--soft)}
/* hero */
.hero{background:linear-gradient(180deg,#f2f6fb 0,#fff 100%);padding:26px 0 8px}
.kicker{display:inline-block;font-size:12.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--go2);background:var(--mint);padding:4px 10px;border-radius:99px;margin-bottom:10px}
h1{font-size:32px;line-height:1.15;margin:0 0 12px;letter-spacing:-.02em;color:var(--navy)}
h1 em{font-style:normal;color:var(--go)}
h2{font-size:23px;line-height:1.25;margin:34px 0 10px;letter-spacing:-.01em;color:var(--navy)}
h3{font-size:18px;margin:0 0 6px}
.lede{font-size:18.5px;color:var(--soft);margin:0 0 16px}
.byline{font-size:13px;color:var(--soft);margin:0 0 6px}
/* calculator */
.calc{background:var(--navy);color:#fff;border-radius:var(--r);padding:18px 18px 16px;margin:18px 0;box-shadow:0 10px 30px rgba(15,42,74,.18)}
.calc label{font-size:14px;color:#b9cbe2;display:block;margin:0 0 8px;font-weight:600}
.chips{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin:0 0 16px}
.chips button{font:inherit;font-size:14.5px;font-weight:700;padding:11px 4px;border-radius:10px;border:1.5px solid #2c527f;background:#16365c;color:#fff;cursor:pointer}
.chips button.on{background:#fff;color:var(--navy);border-color:#fff}
.chips button small{display:block;font-weight:500;font-size:11.5px;opacity:.8}
.amt{display:flex;justify-content:space-between;align-items:baseline}
.amt b{font-size:20px}
input[type=range]{width:100%;accent-color:var(--gold);margin:4px 0 14px}
.out{background:#0b2240;border-radius:12px;padding:14px;display:grid;grid-template-columns:1fr 1fr;gap:10px}
.out div{text-align:center}
.out .big{font-size:30px;font-weight:800;line-height:1.1;color:var(--gold)}
.out .lbl{font-size:12.5px;color:#b9cbe2}
.tiers{margin:14px 0 4px}
.tier{display:grid;grid-template-columns:76px 1fr 64px;align-items:center;gap:8px;font-size:12.5px;color:#b9cbe2;margin:4px 0}
.tier .bar{height:10px;border-radius:5px;background:#24476f;position:relative;overflow:hidden}
.tier .bar span{position:absolute;inset:0 auto 0 0;border-radius:5px;background:#5d86b5;transition:width .5s}
.tier.me{color:#fff;font-weight:700}.tier.me .bar span{background:var(--gold)}
.tier.best .bar span{background:#3ccf98}
.src{font-size:11.5px;color:#8fa6c4;margin:10px 0 0;line-height:1.4}
/* gauge */
.gauge{display:block;margin:6px auto 0;width:220px}
/* content blocks */
.stat{display:flex;gap:14px;align-items:center;background:var(--mint);border-radius:var(--r);padding:16px;margin:22px 0}
.stat .n{flex:0 0 auto;font-size:34px;font-weight:900;color:var(--go2);line-height:1}
.stat p{margin:0;font-size:16px}
.stat small{display:block;color:var(--soft);font-size:12px;margin-top:4px}
.bureaus{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin:14px 0}
.bureaus div{border:1px solid var(--line);border-radius:12px;padding:12px 6px;text-align:center;background:#fff}
.bureaus b{display:block;font-size:26px;color:var(--navy)}
.bureaus span{font-size:12px;color:var(--soft)}
.note{font-size:13px;color:var(--soft)}
ol.steps{list-style:none;padding:0;margin:12px 0;counter-reset:s}
ol.steps li{position:relative;padding:0 0 14px 46px;counter-increment:s}
ol.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
ol.steps b{display:block}
/* offer card */
.offer{border:2px solid var(--go);border-radius:var(--r);padding:16px 16px 14px;margin:22px 0;background:#fff;position:relative;box-shadow:0 8px 24px rgba(10,143,99,.10)}
.offer .tag{position:absolute;top:-12px;left:14px;background:var(--go);color:#fff;font-size:12px;font-weight:800;letter-spacing:.04em;text-transform:uppercase;padding:3px 10px;border-radius:99px}
.offer h3{font-size:21px;margin:6px 0 2px;color:var(--navy)}
.offer .bf{font-size:14px;color:var(--go2);font-weight:700;margin:0 0 8px}
ul.check{padding:0;list-style:none;margin:8px 0}
ul.check li{padding-left:28px;position:relative;margin:7px 0;font-size:15.5px;line-height:1.45}
ul.check li:before{content:"";position:absolute;left:0;top:2px;width:19px;height:19px;border-radius:50%;background:var(--go) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='%23fff' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/13px no-repeat}
.cta{display:flex;align-items:center;justify-content:center;gap:8px;background:var(--go);color:#fff;text-decoration:none;font-weight:800;font-size:19px;padding:16px 18px;border-radius:12px;margin:14px 0 8px;box-shadow:0 4px 0 var(--go2);transition:transform .08s}
.cta:after{content:"→";font-size:20px}
.cta:active{transform:translateY(2px);box-shadow:0 2px 0 var(--go2)}
.cta.alt{background:#fff;color:var(--navy);border:2px solid var(--navy);box-shadow:none;font-size:17px;padding:12px}
.price{font-size:13.5px;color:var(--ink);background:var(--bg);border-radius:8px;padding:8px 10px;margin:4px 0 0;line-height:1.45}
.price b{color:var(--ink)}
.fine{font-size:12px;color:var(--soft);margin:6px 0 0}
.trust{display:flex;flex-wrap:wrap;gap:6px 14px;font-size:12.5px;color:var(--soft);margin:8px 0 0}
.trust span:before{content:"🔒 ";filter:grayscale(1)}
/* compare */
.rank{display:flex;gap:12px;align-items:flex-start}
.rank .no{flex:0 0 34px;height:34px;border-radius:9px;background:var(--navy);color:#fff;font-weight:900;display:flex;align-items:center;justify-content:center;margin-top:4px}
.offer.second{border-color:var(--line);box-shadow:none}.offer.second .tag{background:var(--navy2)}
.toc{background:var(--bg);border-radius:var(--r);padding:12px 14px;font-size:15px}
.toc a{display:block;padding:3px 0;text-decoration:none;font-weight:600}
.table{width:100%;border-collapse:collapse;font-size:14px;margin:12px 0}
.table th,.table td{border-bottom:1px solid var(--line);padding:8px 6px;text-align:left;vertical-align:top}
.table th{font-size:12.5px;color:var(--soft);font-weight:700}
/* quiz */
.quiz{min-height:62vh}
.prog{height:8px;background:var(--line);border-radius:4px;overflow:hidden;margin:6px 0 4px}
.prog span{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--go),#3ccf98);transition:width .35s}
.stepn{font-size:13px;color:var(--soft);font-weight:600}
.qs{display:none;animation:in .3s ease}.qs.on{display:block}
@keyframes in{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.qs h2{margin:14px 0 14px;font-size:24px}
.ans{display:grid;gap:10px}
.ans button{font:inherit;font-size:17px;font-weight:600;text-align:left;padding:15px 16px;border:2px solid var(--line);border-radius:12px;background:#fff;color:var(--ink);cursor:pointer;display:flex;align-items:center;gap:12px}
.ans button span{font-size:22px}
.ans button:hover,.ans button.on{border-color:var(--go);background:var(--mint)}
.back{background:none;border:0;color:var(--soft);font:inherit;font-size:14px;margin-top:14px;cursor:pointer;padding:0}
.build{text-align:center;padding:40px 0}
.spin{width:46px;height:46px;border:5px solid var(--line);border-top-color:var(--go);border-radius:50%;margin:0 auto 14px;animation:sp .8s linear infinite}
@keyframes sp{to{transform:rotate(360deg)}}
.plan{list-style:none;padding:0;margin:10px 0}
.plan li{display:flex;gap:10px;padding:10px 0;border-bottom:1px solid var(--line);font-size:15.5px}
.plan li:last-child{border:0}
.plan i{font-style:normal;flex:0 0 26px;height:26px;border-radius:50%;background:var(--mint);color:var(--go2);font-weight:800;display:flex;align-items:center;justify-content:center;font-size:14px}
.pill{display:inline-block;font-size:13px;font-weight:700;padding:3px 10px;border-radius:99px;background:#fff3cd;color:#7a5b00}
/* sticky */
.sticky{position:fixed;left:0;right:0;bottom:0;background:rgba(255,255,255,.97);border-top:1px solid var(--line);padding:8px 14px calc(8px + env(safe-area-inset-bottom));transform:translateY(110%);transition:transform .25s;z-index:20;box-shadow:0 -6px 20px rgba(0,0,0,.06)}
.sticky.on{transform:none}
.sticky .cta{margin:0;font-size:17px;padding:13px}
.sticky .p{font-size:11.5px;color:var(--soft);text-align:center;margin:4px 0 0;line-height:1.3}
.hidden{display:none!important}
footer{margin:44px 0 0;padding:22px 0 90px;border-top:1px solid var(--line);font-size:12.5px;color:var(--soft);background:var(--bg)}
footer a{color:var(--soft)}
main.doc h1{margin-top:26px}
@media (max-width:520px){h1{font-size:27px}body{font-size:16.5px}.lede{font-size:17px}.out .big{font-size:26px}h2{font-size:21px}}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}
.bureaus.ex div{background:#fff}.bureaus.ex .mid{border:2px solid var(--go);background:var(--mint)}.bureaus.ex .mid b{color:var(--go2)}
table.hl{width:100%;border-collapse:collapse;font-size:13.5px;margin:10px 0 4px}table.hl th{text-align:left;font-weight:700;color:var(--soft);width:42%;padding:5px 6px 5px 0;vertical-align:top;border-top:1px solid var(--line)}table.hl td{padding:5px 0;border-top:1px solid var(--line)}
.trust span:before{content:"✓ ";color:var(--go);filter:none}
.exit{position:fixed;inset:0;background:rgba(15,27,45,.55);display:flex;align-items:center;justify-content:center;z-index:30;padding:18px}.exit .box{background:#fff;border-radius:16px;padding:22px;max-width:420px;box-shadow:0 20px 50px rgba(0,0,0,.25)}.exit .box h3{font-size:21px;color:var(--navy)}.exit .back{display:block;margin:10px auto 0}
.stat .n.w{font-size:24px}