:root{
  --ink:#0F1117;
  --ink-2:#151A26;
  --surface:#1B2131;
  --line:#262D40;
  --blue:#0047FF;
  --blue-hi:#3D74FF;
  --blue-deep:#0031B0;
  --white:#FFFFFF;
  --paper:#F3F5F9;
  --rule:#E7E9EF;
  --mute:#5A6076;
  --mute-d:#8A90A2;
  --wrap:1120px;
  --font:'Inter',system-ui,-apple-system,"Segoe UI",sans-serif;
  --mono:'Geist Mono',ui-monospace,SFMono-Regular,monospace;
  --r-cta:30px;
  --r-card:20px;
  --r-ctl:14px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--white);color:var(--ink);font-family:var(--font);
  font-size:17px;line-height:1.62;-webkit-font-smoothing:antialiased}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
h1,h2,h3{margin:0;font-weight:800;letter-spacing:-.028em;line-height:1.04}
h1{font-size:clamp(38px,5.6vw,68px);font-weight:900;letter-spacing:-.034em}
h2{font-size:clamp(30px,4.1vw,50px);font-weight:900;letter-spacing:-.032em}
h3{font-size:clamp(20px,2.3vw,27px)}
p{margin:0}
a{color:inherit}
:focus-visible{outline:3px solid var(--blue-hi);outline-offset:3px}
.credit :focus-visible{outline-color:var(--white)}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}
  *{animation:none!important;transition:none!important;scroll-behavior:auto!important}}
[id]{scroll-margin-top:88px}

.topbar{position:sticky;top:0;z-index:60;background:var(--ink);color:var(--white);
  border-bottom:1px solid var(--line)}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;height:64px}
.brand{font-weight:800;font-size:19px;letter-spacing:-.01em}
.brand i{display:inline-block;width:9px;height:9px;border-radius:50%;background:var(--blue);
  margin-left:3px;vertical-align:baseline}
.topbar .note{font-size:15px;color:var(--mute-d)}
@media(max-width:760px){.topbar .note{display:none}}

.btn{display:inline-flex;align-items:center;justify-content:center;
  font-weight:700;font-size:clamp(16px,1.7vw,19px);letter-spacing:-.006em;
  text-decoration:none;border:0;cursor:pointer;padding:19px 34px;
  border-radius:var(--r-cta);transition:background .15s ease,box-shadow .15s ease,color .15s ease}
.btn-primary{background:var(--blue);color:var(--white);box-shadow:0 0 0 0 rgba(0,71,255,0)}
.btn-primary:hover{background:var(--blue-hi);box-shadow:0 8px 30px rgba(0,71,255,.42)}
.btn-invert{background:var(--white);color:var(--blue)}
.btn-invert:hover{background:#EAF0FF}
.btn-sm{padding:11px 22px;font-size:15.5px}
.btn-block{width:100%}

.hero{position:relative;overflow:hidden;background:var(--ink);color:var(--white);padding:76px 0 0}
.hero::before{content:"";position:absolute;left:50%;top:-220px;width:1000px;height:760px;
  transform:translateX(-50%);pointer-events:none;
  background:radial-gradient(closest-side,rgba(0,71,255,.55),rgba(0,71,255,0) 72%)}
.hero .wrap{position:relative}
.tag{display:inline-block;background:var(--blue);color:var(--white);
  font-size:14.5px;font-weight:700;letter-spacing:.01em;padding:8px 18px;border-radius:999px}
.hero h1{margin:24px 0 0;max-width:17ch}
.hero .sub{margin-top:22px;max-width:60ch;font-size:clamp(17px,1.9vw,20px);color:#C3C8D6}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin:30px 0 0;padding:0;list-style:none}
.chip{display:flex;align-items:center;gap:9px;background:var(--ink-2);border:1px solid var(--line);
  color:#DBDFE9;font-size:15.5px;font-weight:600;padding:9px 17px;border-radius:999px}
.chip svg{flex:none}
.chip.yes{border-color:rgba(61,116,255,.55);color:var(--white)}
.hero-cta{display:flex;flex-wrap:wrap;align-items:center;gap:18px;margin:34px 0 0}
.hero-cta .fine{font-size:15.5px;color:var(--mute-d)}
.hero-strip{position:relative;margin-top:52px;background:var(--ink-2);border-top:1px solid var(--line)}
.hero-strip .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.hero-strip div{padding:20px 16px;border-right:1px solid var(--line);
  font-size:15.5px;font-weight:600;color:#C3C8D6;text-align:center}
.hero-strip div:last-child{border-right:0}
@media(max-width:760px){.hero-strip .wrap{grid-template-columns:1fr 1fr}
  .hero-strip div:nth-child(2n){border-right:0}
  .hero-strip div:nth-child(-n+2){border-bottom:1px solid var(--line)}}

section{padding:92px 0}
.kicker{font-size:15px;font-weight:700;color:var(--blue)}
.lede{max-width:64ch;margin-top:18px;font-size:19px;color:var(--mute)}
h2+.lede{margin-top:20px}
.grey{background:var(--paper)}

.deflist{margin:46px 0 0;padding:0;list-style:none;border-top:1px solid var(--rule)}
.deflist li{display:grid;grid-template-columns:38px 1fr;gap:20px;align-items:start;
  padding:24px 2px;border-bottom:1px solid var(--rule)}
.deflist .tick{width:28px;height:28px;border-radius:50%;background:var(--blue);
  display:grid;place-items:center;margin-top:4px}
.deflist b{font-size:21px;font-weight:800;letter-spacing:-.02em;display:block}
.deflist span{color:var(--mute);font-size:16.5px}
.callout{margin-top:34px;background:var(--ink);color:#C3C8D6;border-radius:var(--r-card);
  padding:26px 28px;font-size:17px;border-left:5px solid var(--blue)}

.steps{margin:48px 0 0;border-top:1px solid var(--rule)}
.step{display:grid;grid-template-columns:78px 1fr 150px;gap:24px;align-items:start;
  padding:32px 0;border-bottom:1px solid var(--rule)}
.step .num{font-family:var(--mono);font-size:30px;font-weight:600;color:var(--blue);padding-top:4px}
.step .when{font-size:15px;font-weight:700;color:var(--mute);text-align:right;padding-top:9px}
.step p{margin-top:9px;max-width:60ch;color:var(--mute)}
@media(max-width:760px){.step{grid-template-columns:56px 1fr}
  .step .when{grid-column:2;text-align:left;padding-top:0;margin-top:10px}}

.cols{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:46px}
.col{border-radius:var(--r-card);padding:34px 30px}
.col.old{background:var(--paper);border:1px solid var(--rule);color:var(--mute)}
.col.new{background:var(--ink);color:#D4D9E4;border-top:7px solid var(--blue)}
.col h3{font-size:25px;margin-bottom:6px}
.col.old h3{color:#9AA1B4}
.col.new h3{color:var(--white)}
.col ul{margin:20px 0 0;padding:0;list-style:none}
.col li{padding:14px 0;border-bottom:1px solid var(--rule);font-size:16.5px}
.col.new li{border-bottom:1px solid var(--line)}
.col li:last-child{border-bottom:0}
.verdict{margin-top:36px;text-align:center;font-size:clamp(20px,2.5vw,28px);
  font-weight:800;letter-spacing:-.024em}
@media(max-width:760px){.cols{grid-template-columns:1fr}}

.credit{background:var(--blue);color:var(--white)}
.credit .kicker{color:#BFD0FF}
.credit .lede{color:#D7E1FF}
.credit .bad{display:flex;flex-wrap:wrap;gap:10px;margin:30px 0 0;padding:0;list-style:none}
.credit .bad li{background:var(--blue-deep);font-size:16px;font-weight:600;
  padding:11px 19px;border-radius:999px}
.credit .pay{margin-top:32px;background:var(--white);color:var(--ink);
  border-radius:var(--r-card);padding:34px;font-size:clamp(28px,3.9vw,44px);
  font-weight:900;letter-spacing:-.032em;line-height:1.06}
.credit .fine{margin-top:20px;color:#D7E1FF;font-size:16.5px;max-width:62ch}

.check{position:relative;overflow:hidden;background:var(--ink);color:var(--white)}
.check::before{content:"";position:absolute;right:-180px;top:120px;width:760px;height:700px;
  pointer-events:none;background:radial-gradient(closest-side,rgba(0,71,255,.40),rgba(0,71,255,0) 70%)}
.check .wrap{position:relative}
.check .lede{color:#C3C8D6}
.check .kicker{color:var(--blue-hi)}
.panel{margin-top:42px;background:var(--ink-2);border:1px solid var(--line);
  border-radius:24px;padding:clamp(24px,4vw,44px);max-width:760px}
.prog{display:flex;gap:7px;margin-bottom:28px}
.prog i{flex:1;height:5px;border-radius:99px;background:var(--line)}
.prog i.on{background:var(--blue)}
.q{font-size:clamp(23px,3vw,33px);font-weight:900;letter-spacing:-.03em;line-height:1.08}
.hint{margin-top:10px;color:var(--mute-d);font-size:16px;max-width:52ch}
.opts{display:grid;gap:11px;margin-top:26px}
.opt{display:flex;align-items:center;justify-content:space-between;gap:12px;
  background:var(--surface);border:1px solid var(--line);border-radius:var(--r-ctl);
  padding:19px 22px;font-size:18px;font-weight:600;color:var(--white);cursor:pointer;
  text-align:left;font-family:var(--font);transition:border-color .14s ease,background .14s ease}
.opt:hover{border-color:var(--blue);background:#222A3C}
.opt .arw{color:var(--blue-hi)}
.field{margin-top:22px}
.field label{display:block;font-size:15px;font-weight:700;color:#C3C8D6;margin-bottom:8px}
.field input{width:100%;padding:16px 18px;font-size:17px;font-family:var(--font);
  color:var(--white);border:1px solid var(--line);border-radius:var(--r-ctl);background:var(--surface)}
.field input::placeholder{color:#6B7488}
.field input:focus{border-color:var(--blue);outline:none}
.field input:-webkit-autofill,.field input:-webkit-autofill:hover,
.field input:-webkit-autofill:focus{-webkit-text-fill-color:var(--white);
  -webkit-box-shadow:0 0 0 1000px var(--surface) inset;caret-color:var(--white);
  transition:background-color 9999s ease-out 0s}
.field input[aria-invalid="true"]{border-color:var(--white);
  box-shadow:0 0 0 3px rgba(255,255,255,.16)}
.err{display:none;margin-top:9px;font-size:14.5px;font-weight:600;color:var(--white)}
.err.on{display:block}
.prog.done{display:none}
#tf-embed{min-height:640px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:600px){.row2{grid-template-columns:1fr}}
.back{margin-top:18px;background:none;border:0;cursor:pointer;color:var(--mute-d);
  font-family:var(--font);font-size:15.5px;font-weight:600}
.back:hover{color:var(--white)}
.result{text-align:center;padding:14px 0}
.result .mark{width:76px;height:76px;border-radius:50%;background:var(--blue);
  display:grid;place-items:center;margin:0 auto 22px;box-shadow:0 0 40px rgba(0,71,255,.55)}
.legal{margin-top:20px;color:var(--mute-d);font-size:13.5px;max-width:58ch}

.faq details{border-bottom:1px solid var(--rule)}
.faq summary{cursor:pointer;list-style:none;padding:24px 44px 24px 0;position:relative;
  font-size:clamp(18px,2.1vw,22px);font-weight:700;letter-spacing:-.018em}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:8px;top:50%;width:13px;height:13px;
  margin-top:-9px;border-right:2.5px solid var(--blue);border-bottom:2.5px solid var(--blue);
  transform:rotate(45deg);transition:transform .18s ease}
.faq details[open] summary::after{transform:rotate(-135deg);margin-top:-4px}
.faq p{padding:0 0 26px;max-width:72ch;color:var(--mute)}

.final .lede{margin-bottom:0}

footer{background:var(--ink);color:var(--mute-d);padding:52px 0;font-size:14px}
footer .brand{color:var(--white);margin-bottom:16px}
footer p{max-width:88ch;margin-bottom:12px}
footer a{color:#C3C8D6}

.sticky{position:fixed;left:0;right:0;bottom:0;z-index:70;background:rgba(15,17,23,.94);
  backdrop-filter:blur(12px);border-top:1px solid var(--line);
  padding:12px 16px calc(12px + env(safe-area-inset-bottom));display:none}
@media(max-width:760px){.sticky{display:block}body{padding-bottom:88px}}

.legalbody{max-width:76ch}
.legalbody h2{font-size:clamp(22px,2.6vw,30px);margin:44px 0 14px}
.legalbody p,.legalbody li{color:var(--mute);font-size:16.5px;margin-bottom:14px}
.legalbody ul{padding-left:22px}
.updated{color:var(--mute);font-size:15px;margin-top:10px}