:root{--bg:#f4f7fb;--panel:#fff;--ink:#101729;--muted:#667085;--line:#dce4ef;--violet:#6d4aff;--cyan:#00bcd4;--lime:#b6ef5b;--navy:#121b3f;--shadow:0 18px 60px rgba(31,49,89,.12);--radius:26px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,Segoe UI,Arial,sans-serif;background:radial-gradient(circle at 10% 0%,rgba(109,74,255,.12),transparent 26%),radial-gradient(circle at 95% 20%,rgba(0,188,212,.13),transparent 24%),var(--bg);color:var(--ink)}a{color:inherit;text-decoration:none}.wrap{width:min(1180px,calc(100% - 36px));margin:auto}header{position:sticky;top:0;z-index:30;background:rgba(244,247,251,.82);backdrop-filter:blur(18px);border-bottom:1px solid rgba(220,228,239,.8)}.nav{height:74px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:12px;font-weight:900;letter-spacing:-.03em}.mark{width:42px;height:42px;border-radius:15px;background:conic-gradient(from 210deg,var(--violet),var(--cyan),var(--lime),var(--violet));box-shadow:inset 0 0 0 7px white,0 8px 22px rgba(109,74,255,.25)}nav{display:flex;gap:22px;font-size:14px;color:#475467}nav a:hover{color:var(--violet)}.badge{display:inline-flex;padding:8px 12px;border:1px solid var(--line);background:#fff;border-radius:999px;font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase}.hero{padding:78px 0 42px}.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:34px;align-items:stretch}.hero-copy,.rate-stage{border-radius:34px}.hero-copy{padding:46px;background:var(--navy);color:#fff;position:relative;overflow:hidden;box-shadow:var(--shadow)}.hero-copy:after{content:"";position:absolute;width:280px;height:280px;border-radius:50%;right:-100px;top:-120px;background:linear-gradient(135deg,var(--cyan),var(--violet));filter:blur(8px);opacity:.75}.eyebrow{font-size:12px;font-weight:900;letter-spacing:.15em;text-transform:uppercase;color:var(--lime)}h1{font-size:clamp(48px,7vw,92px);line-height:.92;letter-spacing:-.07em;margin:18px 0 24px;max-width:760px;position:relative;z-index:2}.hero-copy p{font-size:18px;line-height:1.7;color:#d4daf0;max-width:620px;position:relative;z-index:2}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px;position:relative;z-index:2}.btn{padding:14px 19px;border-radius:14px;font-weight:850;display:inline-flex;align-items:center;gap:9px}.btn-primary{background:var(--lime);color:#142010}.btn-ghost{border:1px solid rgba(255,255,255,.22);color:#fff}.rate-stage{background:var(--panel);padding:32px;box-shadow:var(--shadow);display:grid;grid-template-rows:auto 1fr auto;min-height:500px}.rate-top{display:flex;justify-content:space-between;align-items:center}.dot{width:11px;height:11px;border-radius:50%;background:#29cc6a;box-shadow:0 0 0 8px rgba(41,204,106,.1)}.rate-number{font-size:clamp(84px,11vw,150px);font-weight:950;letter-spacing:-.09em;align-self:center;background:linear-gradient(130deg,var(--violet),var(--cyan));-webkit-background-clip:text;color:transparent}.rate-number span{font-size:.38em;letter-spacing:-.04em}.rate-note{padding-top:20px;border-top:1px solid var(--line);color:var(--muted);line-height:1.6}.section{padding:46px 0}.section-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:22px}.section h2{font-size:clamp(34px,5vw,62px);letter-spacing:-.055em;margin:0}.section-head p{max-width:500px;color:var(--muted);line-height:1.7}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 10px 30px rgba(31,49,89,.06)}.card .num{font-size:13px;font-weight:900;color:var(--violet)}.card h3{font-size:24px;letter-spacing:-.035em;margin:32px 0 12px}.card p{color:var(--muted);line-height:1.7}.band{background:linear-gradient(115deg,#6d4aff,#00a9c2);color:white;border-radius:34px;padding:34px;display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:center;box-shadow:var(--shadow)}.band h2{font-size:46px}.checks{display:grid;gap:12px}.check{padding:15px 17px;background:rgba(255,255,255,.13);border:1px solid rgba(255,255,255,.18);border-radius:16px}.calc{display:grid;grid-template-columns:1fr 1fr;gap:22px}.calc-panel,.result{background:#fff;border:1px solid var(--line);border-radius:28px;padding:28px}label{display:block;font-size:13px;font-weight:800;margin:18px 0 8px}input[type=number],input[type=range]{width:100%}input[type=number]{padding:14px;border:1px solid var(--line);border-radius:12px;font:inherit}.result{background:var(--navy);color:white;display:flex;flex-direction:column;justify-content:center}.result strong{font-size:60px;letter-spacing:-.06em}.result p{color:#cbd2e9;line-height:1.65}.article-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:18px}.feature{min-height:360px;background:linear-gradient(145deg,#fff,#eef2ff)}.stack{display:grid;gap:18px}.article-card{display:flex;flex-direction:column;justify-content:space-between}.tag{font-size:11px;text-transform:uppercase;font-weight:900;letter-spacing:.12em;color:var(--cyan)}.page-hero{padding:70px 0 26px}.page-hero h1{color:var(--ink);max-width:900px}.prose{max-width:820px;margin:auto;background:#fff;border:1px solid var(--line);border-radius:30px;padding:40px;box-shadow:var(--shadow)}.prose h2{font-size:32px;margin-top:38px}.prose p,.prose li{color:#566074;line-height:1.82}.notice{padding:18px;border-left:4px solid var(--violet);background:#f1efff;border-radius:12px}footer{padding:52px 0;color:#667085}.foot{display:flex;justify-content:space-between;gap:24px;border-top:1px solid var(--line);padding-top:28px}@media(max-width:850px){nav{display:none}.hero-grid,.band,.calc,.article-grid{grid-template-columns:1fr}.grid3{grid-template-columns:1fr}.hero-copy{padding:30px}.rate-stage{min-height:370px}.section-head{display:block}.foot{display:block}}