*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --blue:#2B6AFF;
  --blue-dark:#1a4fd4;
  --dark:#0D1117;
  --dark-light:#161b22;
  --white:#ffffff;
  --accent:#E8F0FE;
  --gray:#8b949e;
  --gray-light:#c9d1d9;
  --border:#30363d;
  --radius:8px;
  --radius-lg:16px;
  --shadow:0 2px 12px rgba(0,0,0,.08);
  --shadow-lg:0 8px 32px rgba(0,0,0,.12);
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Oxygen,Ubuntu,Cantarell,sans-serif;
  --max-w:1140px;
  --transition:.25s ease;
}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:var(--font);color:var(--dark);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased}
img,svg{display:block;max-width:100%}
a{color:var(--blue);text-decoration:none;transition:color var(--transition)}
a:hover{color:var(--blue-dark)}
ul,ol{list-style:none}

.container{width:100%;max-width:var(--max-w);margin:0 auto;padding:0 20px}

/* ── HEADER ── */
.site-header{background:var(--dark);position:sticky;top:0;z-index:100;border-bottom:1px solid var(--border)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{display:flex;align-items:center;gap:10px;font-size:1.25rem;font-weight:700;color:var(--white);letter-spacing:-.02em}
.logo svg{width:32px;height:32px;flex-shrink:0}
.nav-list{display:flex;gap:32px}
.nav-list a{color:var(--gray-light);font-size:.9rem;font-weight:500;transition:color var(--transition)}
.nav-list a:hover,.nav-list a.active{color:var(--white)}
.menu-toggle{display:none;background:none;border:none;cursor:pointer;padding:4px}
.menu-toggle span{display:block;width:24px;height:2px;background:var(--white);margin:5px 0;transition:var(--transition)}

/* ── HERO ── */
.hero{background:linear-gradient(135deg,var(--dark) 0%,#131a2e 100%);color:var(--white);padding:80px 0 88px;text-align:center;overflow:hidden;position:relative}
.hero::after{content:'';position:absolute;inset:0;background:radial-gradient(circle at 50% 0%,rgba(43,106,255,.15) 0%,transparent 60%);pointer-events:none}
.hero-content{position:relative;z-index:1;max-width:760px;margin:0 auto}
.hero h1{font-size:2.75rem;font-weight:800;line-height:1.15;letter-spacing:-.03em;margin-bottom:20px}
.hero h1 span{color:var(--blue)}
.hero p{font-size:1.15rem;color:var(--gray-light);max-width:560px;margin:0 auto 32px}
.hero-stats{display:flex;justify-content:center;gap:48px;margin-top:40px}
.hero-stat{text-align:center}
.hero-stat strong{display:block;font-size:2rem;font-weight:800;color:var(--blue)}
.hero-stat span{font-size:.85rem;color:var(--gray)}

/* ── SECTION ── */
.section{padding:72px 0}
.section--alt{background:var(--accent)}
.section--dark{background:var(--dark);color:var(--white)}
.section-label{display:inline-block;font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--blue);margin-bottom:8px}
.section-title{font-size:2rem;font-weight:800;letter-spacing:-.02em;margin-bottom:12px;line-height:1.2}
.section-subtitle{color:var(--gray);font-size:1.05rem;max-width:580px;margin-bottom:40px}
.section-header{text-align:center;margin-bottom:48px}
.section-header .section-subtitle{margin-left:auto;margin-right:auto}

/* ── FEATURE GRID ── */
.features-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.feature-card{background:var(--white);border:1px solid #e6eaf0;border-radius:var(--radius-lg);padding:32px 28px;transition:box-shadow var(--transition),transform var(--transition)}
.feature-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-2px)}
.feature-icon{width:48px;height:48px;background:var(--accent);border-radius:var(--radius);display:flex;align-items:center;justify-content:center;margin-bottom:16px;color:var(--blue)}
.feature-icon svg{width:24px;height:24px}
.feature-card h3{font-size:1.1rem;font-weight:700;margin-bottom:8px}
.feature-card p{color:var(--gray);font-size:.9rem;line-height:1.6}

/* ── HOW IT WORKS ── */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;counter-reset:step}
.step{position:relative;text-align:center;padding:24px 16px}
.step::before{counter-increment:step;content:counter(step);display:flex;align-items:center;justify-content:center;width:48px;height:48px;margin:0 auto 16px;border-radius:50%;background:var(--blue);color:var(--white);font-size:1.25rem;font-weight:800}
.step h3{font-size:1rem;font-weight:700;margin-bottom:8px}
.step p{font-size:.88rem;color:var(--gray)}

/* ── RATE COMPARISON ── */
.rate-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:28px;max-width:800px;margin:0 auto}
.rate-card{border-radius:var(--radius-lg);padding:36px 32px;border:2px solid transparent}
.rate-card--fixed{background:var(--accent);border-color:var(--blue)}
.rate-card--float{background:var(--white);border-color:#e6eaf0}
.rate-card h3{font-size:1.25rem;font-weight:800;margin-bottom:6px}
.rate-card .rate-fee{font-size:.9rem;color:var(--blue);font-weight:600;margin-bottom:14px}
.rate-card ul{display:flex;flex-direction:column;gap:10px}
.rate-card li{font-size:.9rem;color:#444;padding-left:22px;position:relative}
.rate-card li::before{content:'✓';position:absolute;left:0;color:var(--blue);font-weight:700}

/* ── COMPARISON TABLE ── */
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:var(--radius-lg);border:1px solid #e6eaf0}
table{width:100%;border-collapse:collapse;min-width:640px}
thead{background:var(--dark);color:var(--white)}
th{padding:14px 18px;font-size:.85rem;font-weight:700;text-align:left;letter-spacing:.02em}
td{padding:14px 18px;font-size:.9rem;border-bottom:1px solid #e6eaf0}
tbody tr:last-child td{border-bottom:none}
tbody tr:nth-child(even){background:var(--accent)}
td:first-child{font-weight:600}
.check{color:#22c55e;font-weight:700}
.cross{color:var(--gray)}

/* ── FAQ ── */
.faq-list{max-width:780px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.faq-item{border:1px solid #e6eaf0;border-radius:var(--radius);overflow:hidden;background:var(--white)}
.faq-q{width:100%;display:flex;align-items:center;justify-content:space-between;padding:18px 22px;font-size:1rem;font-weight:600;cursor:pointer;background:none;border:none;text-align:left;color:var(--dark);font-family:var(--font);transition:background var(--transition)}
.faq-q:hover{background:var(--accent)}
.faq-q svg{width:20px;height:20px;flex-shrink:0;color:var(--blue);transition:transform var(--transition)}
.faq-item.open .faq-q svg{transform:rotate(180deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .35s ease}
.faq-item.open .faq-a{max-height:600px;padding:0 22px 20px}
.faq-a p,.faq-a ul{font-size:.92rem;color:#444;line-height:1.7}
.faq-a ul{padding-left:20px;margin-top:8px}
.faq-a li{list-style:disc;margin-bottom:4px}

/* ── ABOUT ── */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.about-text h2{font-size:1.6rem;font-weight:800;margin-bottom:16px}
.about-text p{color:#444;margin-bottom:16px;font-size:.95rem}
.timeline{position:relative;padding-left:28px;border-left:3px solid var(--blue)}
.timeline-item{position:relative;padding-bottom:28px}
.timeline-item:last-child{padding-bottom:0}
.timeline-item::before{content:'';position:absolute;left:-34px;top:4px;width:14px;height:14px;border-radius:50%;background:var(--blue);border:3px solid var(--white)}
.timeline-item h3{font-size:1rem;font-weight:700;margin-bottom:4px;color:var(--blue)}
.timeline-item p{font-size:.9rem;color:#444}
.values-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:32px}
.value-card{background:var(--accent);border-radius:var(--radius);padding:24px;text-align:center}
.value-card h3{font-size:1rem;font-weight:700;margin-bottom:6px}
.value-card p{font-size:.85rem;color:var(--gray)}

/* ── CTA ── */
.cta{background:linear-gradient(135deg,var(--blue) 0%,#1a4fd4 100%);color:var(--white);text-align:center;padding:56px 0;border-radius:0}
.cta h2{font-size:1.75rem;font-weight:800;margin-bottom:12px}
.cta p{opacity:.85;font-size:1rem;max-width:480px;margin:0 auto}

/* ── FOOTER ── */
.site-footer{background:var(--dark);color:var(--gray);padding:48px 0 24px;border-top:1px solid var(--border)}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:40px;margin-bottom:36px}
.footer-brand p{font-size:.88rem;margin-top:12px;line-height:1.6}
.footer-col h4{color:var(--white);font-size:.85rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;margin-bottom:14px}
.footer-col a{display:block;font-size:.88rem;color:var(--gray);margin-bottom:8px;transition:color var(--transition)}
.footer-col a:hover{color:var(--white)}
.footer-bottom{border-top:1px solid var(--border);padding-top:20px;display:flex;justify-content:space-between;align-items:center;font-size:.82rem;flex-wrap:wrap;gap:8px}

/* ── PAGE HEADER ── */
.page-header{background:linear-gradient(135deg,var(--dark) 0%,#131a2e 100%);color:var(--white);padding:56px 0;text-align:center}
.page-header h1{font-size:2.25rem;font-weight:800;letter-spacing:-.02em;margin-bottom:10px}
.page-header p{color:var(--gray-light);font-size:1.05rem;max-width:520px;margin:0 auto}

/* ── RESPONSIVE ── */
@media(max-width:960px){
  .features-grid{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .about-grid{grid-template-columns:1fr}
}
@media(max-width:640px){
  .hero{padding:56px 0 64px}
  .hero h1{font-size:1.75rem}
  .hero-stats{flex-direction:column;gap:20px}
  .section{padding:48px 0}
  .section-title{font-size:1.5rem}
  .features-grid{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr;gap:16px}
  .rate-cards{grid-template-columns:1fr}
  .nav-list{display:none;position:absolute;top:64px;left:0;right:0;background:var(--dark);flex-direction:column;gap:0;padding:8px 0;border-bottom:1px solid var(--border)}
  .nav-list.open{display:flex}
  .nav-list a{padding:12px 20px;display:block}
  .menu-toggle{display:block}
  .footer-grid{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column;text-align:center}
  .values-grid{grid-template-columns:1fr}
  .about-grid{gap:32px}
}