@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=DM+Serif+Display&display=swap');:root{--navy:#1A0C00;--navy2:#2D1600;--teal:#F5A623;--teal2:#E8920A;--gold:#FF6B35;--gold2:#E55A25;--bg:#FFF;--white:#FFF;--gray1:#FFF8EE;--gray2:#F0DFC0;--gray3:#9A8060;--dark:#1A0C00;--text:#2D1600;--green:#16A349;--red:#E03030;--radius:12px;--radius-lg:20px;--shadow:0 4px 24px rgba(26,12,0,0.08);--shadow-lg:0 8px 40px rgba(26,12,0,0.14);--transition:all .25s cubic-bezier(0.4,0,0.2,1)}*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:'Inter',system-ui,sans-serif;background:var(--bg);color:var(--text);line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased}img{max-width:100%;height:auto;display:block}a{color:var(--teal2);text-decoration:none;transition:var(--transition)}a:hover{color:var(--navy)}h1,h2,h3,h4,h5{font-weight:700;color:var(--navy);line-height:1.2}h1{font-size:clamp(2rem,5vw,3.2rem)}h2{font-size:clamp(1.5rem,3.5vw,2.2rem)}h3{font-size:clamp(1.15rem,2.5vw,1.5rem)}h4{font-size:1.1rem}p{margin-bottom:1rem}p:last-child{margin-bottom:0}.display-font{font-family:'DM Serif Display',serif}.text-teal{color:var(--teal2)}.text-gold{color:var(--gold)}.text-navy{color:var(--navy)}.text-gray{color:var(--gray3)}.text-green{color:var(--green)}.text-red{color:var(--red)}.text-center{text-align:center}.text-sm{font-size:.875rem}.text-xs{font-size:.75rem}.fw-600{font-weight:600}.fw-700{font-weight:700}.container{max-width:1160px;margin:0 auto;padding:0 20px}.container-sm{max-width:800px;margin:0 auto;padding:0 20px}.section{padding:72px 0}.section-sm{padding:48px 0}.section-lg{padding:100px 0}.mt-8{margin-top:8px}.mt-16{margin-top:16px}.mt-24{margin-top:24px}.mt-32{margin-top:32px}.mt-48{margin-top:48px}.mb-8{margin-bottom:8px}.mb-16{margin-bottom:16px}.mb-24{margin-bottom:24px}.mb-32{margin-bottom:32px}.mb-48{margin-bottom:48px}.gap-16{gap:16px}.gap-24{gap:24px}.gap-32{gap:32px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:32px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.flex{display:flex}.flex-center{display:flex;align-items:center;justify-content:center}.flex-between{display:flex;align-items:center;justify-content:space-between}.flex-gap{display:flex;align-items:center;gap:12px}.flex-wrap{flex-wrap:wrap}.section-label{display:inline-block;background:rgba(245,166,35,0.12);color:var(--teal2);font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;padding:5px 14px;border-radius:50px;margin-bottom:14px}.section-header{text-align:center;margin-bottom:56px}.section-header p{color:var(--gray3);font-size:1.05rem;max-width:600px;margin:14px auto 0}.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;border-radius:50px;font-weight:700;font-size:.95rem;cursor:pointer;border:none;transition:var(--transition);text-decoration:none;white-space:nowrap}.btn-primary{background:linear-gradient(135deg,var(--gold),var(--gold2));color:var(--navy);box-shadow:0 4px 20px rgba(245,166,35,0.40)}.btn-primary:hover{transform:translateY(-2px);box-shadow:0 8px 28px rgba(245,166,35,0.55);color:var(--navy)}.btn-secondary{background:transparent;color:var(--white);border:2px solid rgba(255,255,255,0.4)}.btn-secondary:hover{background:rgba(255,255,255,0.1);color:var(--white)}.btn-outline{background:transparent;color:var(--navy);border:2px solid var(--navy)}.btn-outline:hover{background:var(--navy);color:var(--white)}.btn-teal{background:linear-gradient(135deg,var(--teal),var(--gold));color:var(--white);box-shadow:0 4px 20px rgba(245,166,35,0.35)}.btn-teal:hover{transform:translateY(-2px);box-shadow:0 8px 28px rgba(245,166,35,0.5);color:var(--navy)}.btn-lg{padding:18px 40px;font-size:1.05rem}.btn-sm{padding:10px 20px;font-size:.85rem}.card{background:var(--white);border-radius:var(--radius-lg);padding:32px;box-shadow:var(--shadow);transition:var(--transition)}.card:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}.card-sm{padding:20px;border-radius:var(--radius)}.card-flat{box-shadow:none;border:1.5px solid var(--gray2)}.card-flat:hover{border-color:var(--teal);box-shadow:0 4px 24px rgba(0,201,167,0.12)}.navbar{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,0.97);backdrop-filter:blur(12px);border-bottom:1.5px solid #F0DFC0;padding:0 20px;box-shadow:0 2px 16px rgba(26,12,0,0.06)}.nav-inner{max-width:1160px;margin:0 auto;height:68px;display:flex;align-items:center;justify-content:space-between}.nav-logo-brand{text-decoration:none;display:inline-flex;align-items:baseline;gap:0;line-height:1}.nav-brand-solo{font-size:1.45rem;font-weight:900;font-family:'DM Serif Display',serif;background:linear-gradient(120deg,#1A0C00 0,#3D1A00 100%);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;letter-spacing:-0.02em}.nav-brand-funds{font-size:1.45rem;font-weight:900;font-family:'DM Serif Display',serif;background:linear-gradient(120deg,#E8920A 0,#FF6B35 60%,#F5A623 100%);background-size:200% auto;-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;letter-spacing:-0.02em;animation:brand-shimmer 3.5s linear infinite}@keyframes brand-shimmer{0%{background-position:0 center}100%{background-position:200% center}}.footer-brand-link{display:inline-block;margin-bottom:16px}.footer-brand-text{display:inline-flex;align-items:baseline;gap:0;line-height:1}.footer-brand-solo{font-size:1.8rem;font-weight:900;font-family:'DM Serif Display',serif;color:#FFF;letter-spacing:-0.02em}.footer-brand-funds{font-size:1.8rem;font-weight:900;font-family:'DM Serif Display',serif;background:linear-gradient(120deg,#F5A623 0,#FF6B35 50%,#FFD166 100%);background-size:200% auto;-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;letter-spacing:-0.02em;animation:brand-shimmer 3.5s linear infinite}.footer-brand-loans{font-size:1.1rem;font-weight:600;color:rgba(255,255,255,0.35);letter-spacing:.04em;margin-left:4px;align-self:flex-end;padding-bottom:3px}.nav-links{display:flex;align-items:center;gap:4px;list-style:none}.nav-links a{color:#5A3A00;font-size:.88rem;font-weight:500;padding:7px 14px;border-radius:8px;transition:var(--transition)}.nav-links a:hover{color:var(--navy);background:rgba(245,166,35,0.10)}.nav-links a.active{color:var(--teal2);font-weight:700}.nav-dropdown{position:relative}.nav-dropdown>a::after{content:' ▾';font-size:.7rem}.nav-dropdown-menu{display:none;position:absolute;top:calc(100%+8px);left:50%;transform:translateX(-50%);background:var(--white);border-radius:var(--radius);box-shadow:0 8px 32px rgba(26,12,0,0.12);border:1px solid var(--gray2);padding:8px;min-width:200px;list-style:none}.nav-dropdown:hover .nav-dropdown-menu{display:block}.nav-dropdown-menu a{color:var(--text)!important;display:block;padding:9px 16px!important;border-radius:8px;font-size:.875rem!important}.nav-dropdown-menu a:hover{background:var(--gray1)!important;color:var(--navy)!important}.nav-cta{margin-left:12px}.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:6px}.hamburger span{display:block;width:24px;height:2px;background:var(--navy);border-radius:2px;transition:var(--transition)}.mobile-menu{display:none;background:var(--white);border-top:1.5px solid var(--gray2);padding:16px 20px}.mobile-menu.open{display:block}.mobile-menu a{display:block;color:#5A3A00;padding:11px 0;border-bottom:1px solid var(--gray2);font-size:.95rem;font-weight:500}.mobile-menu a:last-child{border-bottom:none}.mobile-menu a:hover{color:var(--teal2)}.hero-brand-badge{display:inline-flex;align-items:center;gap:10px;background:rgba(255,255,255,0.06);border:1px solid rgba(245,166,35,0.45);border-radius:50px;padding:8px 18px 8px 12px;margin-bottom:28px;backdrop-filter:blur(8px)}.hero-brand-dot{width:10px;height:10px;background:var(--teal2);border-radius:50%;box-shadow:0 0 0 3px rgba(0,201,167,0.25);animation:pulse-dot 2s ease-in-out infinite;flex-shrink:0}@keyframes pulse-dot{0%,100%{box-shadow:0 0 0 3px rgba(245,166,35,0.30)}50%{box-shadow:0 0 0 7px rgba(245,166,35,0.10)}}.hero-brand-tag-only{font-size:.8rem;font-weight:600;color:rgba(255,255,255,0.6);letter-spacing:.04em}.hero-solo-name{display:block;font-family:'DM Serif Display',serif;font-size:clamp(3rem,8vw,5.5rem);font-weight:400;letter-spacing:-0.02em;line-height:1;margin-bottom:12px;background:linear-gradient(100deg,#FFF 0,#FFD166 30%,#F5A623 55%,#FF6B35 75%,#FFF 100%);background-size:250% auto;-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;animation:shimmer 4s linear infinite;filter:drop-shadow(0 2px 12px rgba(0,0,0,0.5))}@keyframes shimmer{0%{background-position:0 center}100%{background-position:250% center}}.hero{background:linear-gradient(105deg,rgba(20,10,0,0.88) 0,rgba(30,14,0,0.82) 45%,rgba(50,25,0,0.60) 100%),url('../images/hero-bg.jpg') center center / cover no-repeat;padding:88px 20px 80px;position:relative;overflow:hidden}.hero::before{content:'';position:absolute;top:0;left:0;right:0;bottom:0;background:linear-gradient(to right,rgba(10,5,0,0.25) 0,transparent 55%,rgba(10,5,0,0.55) 100%);pointer-events:none;z-index:0}.hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:120px;background:linear-gradient(to top,rgba(10,5,0,0.3),transparent);pointer-events:none;z-index:0}.hero-inner{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:1fr 420px;gap:64px;align-items:center;position:relative;z-index:2}.hero h1{color:#FFF;margin-bottom:20px;text-shadow:0 2px 20px rgba(0,0,0,0.4)}.hero h1 em{font-style:normal;color:#FFD166;text-shadow:0 2px 16px rgba(245,166,35,0.5)}.hero p{color:rgba(255,255,255,0.92);font-size:1.1rem;margin-bottom:32px;max-width:500px;text-shadow:0 1px 8px rgba(0,0,0,0.4)}.hero-actions{display:flex;gap:14px;flex-wrap:wrap}.hero-trust{display:flex;align-items:center;gap:24px;margin-top:40px;flex-wrap:wrap}.hero-trust-item{display:flex;align-items:center;gap:8px;color:rgba(255,255,255,0.90);font-size:.85rem;text-shadow:0 1px 6px rgba(0,0,0,0.35)}.hero-trust-item .icon{color:var(--teal);font-size:1rem}.hero-card{background:rgba(255,255,255,0.97);border-radius:var(--radius-lg);padding:32px;box-shadow:0 32px 80px rgba(0,0,0,0.45),0 0 0 1px rgba(245,166,35,0.15);backdrop-filter:blur(8px)}.hero-card-header{text-align:center;margin-bottom:24px}.hero-card-title{font-size:1.1rem;font-weight:700;color:var(--navy);margin-bottom:4px}.hero-card-sub{font-size:.8rem;color:var(--gray3)}.rating-stars{color:#FFB800;font-size:1.2rem;letter-spacing:2px}.rating-label{font-size:.8rem;color:var(--gray3);margin-top:4px}.quick-stats{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:20px 0}.qs-item{background:var(--gray1);border-radius:10px;padding:14px;text-align:center}.qs-value{font-size:1.4rem;font-weight:800;color:var(--navy)}.qs-label{font-size:.72rem;color:var(--gray3);margin-top:2px;text-transform:uppercase;letter-spacing:.05em}.badge{display:inline-flex;align-items:center;gap:5px;padding:4px 12px;border-radius:50px;font-size:.75rem;font-weight:600}.badge-green{background:rgba(22,199,132,0.12);color:var(--green)}.badge-red{background:rgba(234,57,67,0.12);color:var(--red)}.badge-teal{background:rgba(245,166,35,0.15);color:var(--teal2)}.badge-gold{background:rgba(245,166,35,0.12);color:var(--gold2)}.badge-navy{background:rgba(15,33,71,0.1);color:var(--navy)}.pro-con-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.pro-con-card{border-radius:var(--radius);padding:28px}.pros-card{background:rgba(22,199,132,0.07);border:1.5px solid rgba(22,199,132,0.25)}.cons-card{background:rgba(234,57,67,0.05);border:1.5px solid rgba(234,57,67,0.18)}.pro-con-title{font-size:1rem;font-weight:700;margin-bottom:16px;display:flex;align-items:center;gap:8px}.pros-card .pro-con-title{color:var(--green)}.cons-card .pro-con-title{color:var(--red)}.pro-con-list{list-style:none}.pro-con-list li{padding:8px 0;border-bottom:1px solid rgba(0,0,0,0.05);font-size:.9rem;display:flex;align-items:flex-start;gap:10px}.pro-con-list li:last-child{border-bottom:none}.pro-con-list li::before{flex-shrink:0;margin-top:1px;font-size:.85rem}.pros-list li::before{content:'✓';color:var(--green);font-weight:700}.cons-list li::before{content:'✗';color:var(--red);font-weight:700}.table-wrap{overflow-x:auto;border-radius:var(--radius);box-shadow:var(--shadow)}table{width:100%;border-collapse:collapse;background:var(--white)}th{background:var(--navy);color:var(--white);padding:14px 20px;text-align:left;font-size:.85rem;font-weight:600;letter-spacing:.03em}td{padding:14px 20px;border-bottom:1px solid var(--gray2);font-size:.9rem;vertical-align:middle}tr:last-child td{border-bottom:none}tr:nth-child(even) td{background:var(--gray1)}tr:hover td{background:rgba(0,201,167,0.05)}.td-check{color:var(--green);font-weight:700}.td-cross{color:var(--red);font-weight:700}.td-bold{font-weight:700;color:var(--navy)}.highlight-row td{background:rgba(245,166,35,0.08)!important;font-weight:600}.highlight-row td:first-child{border-left:3px solid var(--gold)}.faq-item{background:var(--white);border-radius:var(--radius);margin-bottom:12px;border:1.5px solid var(--gray2);overflow:hidden;transition:var(--transition)}.faq-item.open{border-color:var(--teal2)}.faq-question{padding:20px 24px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-weight:600;color:var(--navy);font-size:.95rem;user-select:none}.faq-question:hover{color:var(--teal2)}.faq-icon{width:26px;height:26px;background:var(--gray1);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.85rem;color:var(--navy);flex-shrink:0;transition:var(--transition)}.faq-item.open .faq-icon{background:var(--teal2);color:var(--white);transform:rotate(45deg)}.faq-answer{display:none;padding:0 24px 20px;color:var(--text);font-size:.9rem;line-height:1.7;border-top:1px solid var(--gray2);padding-top:16px}.faq-item.open .faq-answer{display:block}.rating-widget{display:flex;align-items:center;gap:10px}.rating-bar-wrap{flex:1;height:8px;background:var(--gray2);border-radius:50px;overflow:hidden}.rating-bar{height:100%;background:linear-gradient(90deg,var(--teal),var(--gold));border-radius:50px}.rating-score{font-weight:700;color:var(--navy);min-width:30px;text-align:right;font-size:.9rem}.score-circle{width:100px;height:100px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-direction:column;font-weight:800;font-size:1.6rem;color:var(--white);background:conic-gradient(var(--teal) calc(var(--pct,50) * 1%),var(--gray2) 0);position:relative}.score-circle::before{content:'';position:absolute;inset:10px;border-radius:50%;background:var(--navy)}.score-circle span{position:relative;z-index:1;line-height:1}.score-circle small{position:relative;z-index:1;font-size:.6rem;font-weight:500;opacity:.7}.step-list{counter-reset:steps}.step-item{display:flex;gap:20px;margin-bottom:32px;position:relative}.step-item:not(:last-child)::after{content:'';position:absolute;left:20px;top:50px;width:2px;height:calc(100% - 10px);background:linear-gradient(to bottom,var(--teal),transparent)}.step-num{width:42px;height:42px;background:linear-gradient(135deg,var(--teal),var(--gold));border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--white);font-weight:800;font-size:.9rem;flex-shrink:0;counter-increment:steps;box-shadow:0 4px 14px rgba(245,166,35,0.35)}.step-content h4{color:var(--navy);margin-bottom:6px}.step-content p{font-size:.9rem;color:var(--gray3);margin:0}.apply-section{background:linear-gradient(135deg,var(--navy) 0,var(--navy2) 100%);padding:72px 20px;position:relative;overflow:hidden}.apply-section::before{content:'';position:absolute;top:-100px;right:-100px;width:500px;height:500px;background:radial-gradient(circle,rgba(245,166,35,0.15) 0,transparent 70%)}.apply-inner{max-width:1160px;margin:0 auto;position:relative;z-index:1}.apply-header{text-align:center;margin-bottom:40px}.apply-header h2{color:var(--white)}.apply-header p{color:rgba(255,255,255,0.65)}.apply-frame{background:var(--white);border-radius:var(--radius-lg);padding:8px;box-shadow:0 24px 60px rgba(0,0,0,0.3);max-width:860px;margin:0 auto}.apply-frame iframe{width:100%;min-height:500px;border:none;border-radius:12px;display:block}.stats-bar{background:var(--gray1);border-bottom:1px solid var(--gray2);padding:20px}.stats-bar-inner{max-width:1160px;margin:0 auto;display:flex;align-items:center;justify-content:space-around;flex-wrap:wrap;gap:20px}.stat-item{text-align:center}.stat-value{font-size:1.5rem;font-weight:800;color:var(--navy)}.stat-label{font-size:.75rem;color:var(--gray3);margin-top:2px;text-transform:uppercase;letter-spacing:.07em}.stat-divider{width:1px;height:40px;background:var(--gray2)}.calc-wrap{background:var(--white);border-radius:var(--radius-lg);padding:40px;box-shadow:var(--shadow-lg);max-width:820px;margin:0 auto}.calc-label{font-weight:600;color:var(--navy);font-size:.9rem;margin-bottom:8px;display:flex;justify-content:space-between}.calc-label span{color:var(--teal2)}.calc-slider{width:100%;height:6px;-webkit-appearance:none;appearance:none;background:var(--gray2);border-radius:50px;outline:none;margin-bottom:20px}.calc-slider::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;background:linear-gradient(135deg,var(--teal),var(--gold));border-radius:50%;cursor:pointer;box-shadow:0 2px 10px rgba(245,166,35,0.4);border:3px solid var(--white)}.calc-result-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:32px}.calc-result-item{background:var(--gray1);border-radius:var(--radius);padding:20px;text-align:center}.calc-result-value{font-size:1.6rem;font-weight:800;color:var(--navy)}.calc-result-label{font-size:.78rem;color:var(--gray3);margin-top:4px;text-transform:uppercase;letter-spacing:.07em}.calc-result-highlight{background:linear-gradient(135deg,rgba(245,166,35,0.1),rgba(255,107,53,0.08));border:1.5px solid rgba(245,166,35,0.25)}.calc-result-highlight .calc-result-value{color:var(--teal2)}.calc-toggle{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:20px}.calc-toggle-btn{padding:7px 18px;border-radius:50px;border:1.5px solid var(--gray2);background:var(--white);color:var(--text);font-size:.85rem;font-weight:500;cursor:pointer;transition:var(--transition)}.calc-toggle-btn.active{background:var(--navy);color:var(--white);border-color:var(--navy)}.calc-toggle-btn:hover:not(.active){border-color:var(--teal);color:var(--teal2)}.calc-note{background:rgba(245,166,35,0.08);border-left:3px solid var(--gold);padding:14px 18px;border-radius:0 var(--radius) var(--radius) 0;margin-top:24px;font-size:.85rem}.vs-header{text-align:center;margin:48px 0 32px}.vs-label{display:inline-flex;align-items:center;gap:10px}.vs-badge{background:var(--navy);color:var(--white);padding:4px 14px;border-radius:50px;font-size:.8rem;font-weight:700}.vs-vs{font-weight:900;color:var(--gray3);font-size:1.1rem}.winner-badge{display:inline-flex;align-items:center;gap:5px;background:rgba(0,201,167,0.12);color:var(--teal2);font-size:.72rem;font-weight:700;padding:3px 10px;border-radius:50px}.breadcrumb{padding:14px 0;font-size:.82rem;color:var(--gray3)}.breadcrumb a{color:var(--gray3)}.breadcrumb a:hover{color:var(--teal2)}.breadcrumb span{margin:0 7px}.page-hero{background:linear-gradient(135deg,var(--navy) 0,var(--navy2) 100%);padding:60px 20px;position:relative;overflow:hidden}.page-hero::before{content:'';position:absolute;top:-150px;right:-150px;width:450px;height:450px;background:radial-gradient(circle,rgba(245,166,35,0.15) 0,transparent 70%)}.page-hero-inner{max-width:1160px;margin:0 auto;position:relative;z-index:1}.page-hero h1{color:var(--white)}.page-hero p{color:rgba(255,255,255,0.7);font-size:1.05rem;max-width:600px;margin-top:12px}.content-sidebar{display:grid;grid-template-columns:1fr 300px;gap:40px;align-items:start}.sticky-sidebar{position:sticky;top:88px}.sidebar-card{background:var(--white);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);margin-bottom:20px}.sidebar-card h4{font-size:.95rem;color:var(--navy);margin-bottom:14px;padding-bottom:10px;border-bottom:1px solid var(--gray2)}.sidebar-link-list{list-style:none}.sidebar-link-list li{padding:7px 0;border-bottom:1px solid var(--gray2);font-size:.875rem}.sidebar-link-list li:last-child{border-bottom:none}.sidebar-link-list a{color:var(--text)}.sidebar-link-list 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var(--gray2)}.comp-card-cta a{display:block;text-align:center;padding:10px;background:var(--teal);color:var(--navy);font-weight:700;border-radius:var(--radius);transition:all .2s;text-decoration:none;font-size:.85rem}.comp-card-cta a:hover{background:var(--gold);color:var(--white)}.chart-wrap{background:var(--white);border:1px solid var(--gray2);border-radius:var(--radius-lg);padding:24px;margin:24px 0}.chart-title{font-size:1.1rem;font-weight:700;color:var(--navy);margin-bottom:4px}.chart-subtitle{font-size:.85rem;color:var(--gray3);margin-bottom:20px}.chart-canvas{width:100%;height:320px;display:block}.chart-canvas.chart-hbar{height:250px}.chart-caption{font-size:.75rem;color:var(--gray3);text-align:center;margin-top:12px;font-style:italic}@media(max-width:768px){.chart-wrap{padding:16px}.chart-canvas{height:260px}}.has-anim .anim-target{opacity:0;transform:translateY(20px);transition:opacity .6s cubic-bezier(0.4,0,0.2,1),transform .6s cubic-bezier(0.4,0,0.2,1);will-change:opacity,transform}.has-anim .anim-target.anim-in{opacity:1;transform:translateY(0)}.has-anim .comp-card.anim-target{transform:translateY(30px) scale(0.98)}.has-anim .comp-card.anim-in{transform:translateY(0) scale(1)}.has-anim .comp-cards .comp-card:nth-child(1){transition-delay:0s}.has-anim .comp-cards .comp-card:nth-child(2){transition-delay:.08s}.has-anim .comp-cards .comp-card:nth-child(3){transition-delay:.16s}.has-anim .comp-cards .comp-card:nth-child(4){transition-delay:.24s}.has-anim .chart-wrap.anim-target{transform:translateY(24px)}.no-anim *{animation-duration:0s!important;transition-duration:0s!important}img.img-loading{background:linear-gradient(90deg,var(--gray1) 25%,var(--gray2) 50%,var(--gray1) 75%);background-size:200% 100%;animation:skeleton-shimmer 1.5s ease-in-out infinite;min-height:120px}img.img-loaded{animation:img-fade-in .5s ease-out}@keyframes skeleton-shimmer{0%{background-position:200% 0}100%{background-position:-200% 0}}@keyframes img-fade-in{from{opacity:0}to{opacity:1}}.stat-card,.card{transition:transform .2s ease,box-shadow .2s ease}.stat-card:hover{transform:translateY(-2px);box-shadow:var(--shadow)}.btn{position:relative;overflow:hidden}.btn::after{content:'';position:absolute;top:50%;left:50%;width:0;height:0;border-radius:50%;background:rgba(255,255,255,0.3);transform:translate(-50%,-50%);transition:width .4s ease,height .4s ease}.btn:active::after{width:200%;height:200%}.faq-item{transition:background .2s ease}.faq-item[open]{background:var(--gray1)}.faq-item summary{cursor:pointer;transition:color .2s ease}.faq-item summary:hover{color:var(--teal2)}@media(prefers-reduced-motion:reduce){.has-anim .anim-target{opacity:1!important;transform:none!important;transition:none!important}img.img-loading{animation:none;background:var(--gray1)}}.skip-to-content{position:absolute;left:-9999px;top:0;background:var(--navy,#1A0C00);color:#fff;padding:12px 20px;z-index:9999;text-decoration:none;font-weight:600;border-radius:0 0 8px 0}.skip-to-content:focus{left:0;outline:2px solid var(--gold,#FF6B35);outline-offset:2px}