:root{--ink: #0a0f1a;--paper: #f7f5f0;--cream: #edeae3;--sage: #2d4a3e;--sage-light: #3d6b56;--gold: #c8a455;--gold-soft: #d4b876;--coral: #c75c3a;--mist: #d1cdc4;--text: #2c2c2c;--text-light: #6b6b6b;--white: #ffffff;--border: rgba(10,15,26,.08);--shadow-sm: 0 1px 3px rgba(10,15,26,.06);--shadow-md: 0 4px 20px rgba(10,15,26,.08);--shadow-lg: 0 12px 40px rgba(10,15,26,.12);--radius: 12px;--radius-sm: 8px;--transition: .3s cubic-bezier(.25, .1, .25, 1)}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;font-size:16px}body{font-family:DM Sans,sans-serif;background:var(--paper);color:var(--text);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}body:before{content:"";position:fixed;top:0;right:0;bottom:0;left:0;background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' 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.mark{width:36px;height:36px;background:var(--sage);border-radius:10px;display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:1.1rem;font-weight:500}nav .nav-links{display:flex;gap:36px;list-style:none}nav .nav-links a{text-decoration:none;color:var(--text-light);font-size:.9rem;font-weight:500;letter-spacing:.02em;transition:color var(--transition);position:relative}nav .nav-links a:hover{color:var(--sage)}nav .nav-links a:after{content:"";position:absolute;bottom:-4px;left:0;width:0;height:2px;background:var(--gold);transition:width var(--transition)}nav .nav-links a:hover:after{width:100%}.hero{padding:100px 0 80px;position:relative}.hero:before{content:"";position:absolute;top:-100px;right:-200px;width:600px;height:600px;background:radial-gradient(circle,rgba(200,164,85,.08) 0%,transparent 70%);pointer-events:none}.hero-content{max-width:680px}.hero .badge{display:inline-flex;align-items:center;gap:8px;background:var(--cream);border:1px solid var(--mist);padding:8px 16px;border-radius:100px;font-size:.8rem;font-weight:500;color:var(--sage);margin-bottom:28px;letter-spacing:.04em;text-transform:uppercase}.hero .badge .dot{width:7px;height:7px;background:var(--gold);border-radius:50%}.hero h1{font-size:3.6rem;color:var(--ink);margin-bottom:24px;letter-spacing:-.02em}.hero h1 em{color:var(--sage);font-style:italic}.hero p{font-size:1.15rem;color:var(--text-light);max-width:520px;margin-bottom:40px;line-height:1.75}.hero-categories{display:flex;gap:12px;flex-wrap:wrap}.hero-categories a{display:inline-flex;align-items:center;gap:8px;padding:14px 24px;background:var(--white);border:1px solid var(--border);border-radius:var(--radius-sm);text-decoration:none;color:var(--text);font-size:.92rem;font-weight:500;transition:all var(--transition);box-shadow:var(--shadow-sm)}.hero-categories a:hover{border-color:var(--sage);box-shadow:var(--shadow-md);transform:translateY(-2px)}.hero-categories a .icon{font-size:1.2rem}.trust-bar{padding:48px 0;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}.trust-bar .inner{display:flex;justify-content:space-between;align-items:center;gap:24px}.trust-item{text-align:center;flex:1}.trust-item .number{font-family:"DM Serif Display",serif;font-size:2rem;color:var(--sage);display:block}.trust-item .label{font-size:.82rem;color:var(--text-light);margin-top:4px;letter-spacing:.02em}.section{padding:80px 0}.section-header{margin-bottom:48px}.section-header .overline{font-family:JetBrains Mono,monospace;font-size:.72rem;text-transform:uppercase;letter-spacing:.12em;color:var(--gold);margin-bottom:12px}.section-header h2{font-size:2.4rem;color:var(--ink);letter-spacing:-.01em}.section-header p{color:var(--text-light);margin-top:12px;max-width:560px;font-size:1.02rem}.card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:32px;transition:all var(--transition);position:relative;overflow:hidden}.card:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px);border-color:#2d4a3e26}.card .card-badge{position:absolute;top:20px;right:20px;background:var(--sage);color:var(--white);font-size:.7rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;padding:5px 12px;border-radius:100px}.card .card-badge.gold{background:var(--gold);color:var(--ink)}.card .provider{display:flex;align-items:center;gap:14px;margin-bottom:20px}.card .provider-icon{width:48px;height:48px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:1.2rem;font-weight:700;color:var(--white)}.card .provider-name{font-weight:600;font-size:1.05rem}.card .provider-type{font-size:.82rem;color:var(--text-light)}.card .highlight-row{display:flex;gap:24px;padding:16px 0;border-top:1px solid var(--border);margin-top:16px}.card .highlight-row .hl{flex:1}.card .highlight-row .hl-value{font-family:"DM Serif Display",serif;font-size:1.5rem;color:var(--sage)}.card .highlight-row .hl-label{font-size:.78rem;color:var(--text-light);margin-top:2px}.card .features{list-style:none;margin-top:16px;display:flex;flex-direction:column;gap:8px}.card .features li{font-size:.88rem;color:var(--text);display:flex;align-items:flex-start;gap:8px}.card .features li:before{content:"✓";color:var(--sage);font-weight:700;flex-shrink:0;margin-top:1px}.card .card-cta{display:block;text-align:center;margin-top:24px;padding:14px;background:var(--sage);color:var(--white);text-decoration:none;border-radius:var(--radius-sm);font-weight:600;font-size:.92rem;transition:all var(--transition)}.card .card-cta:hover{background:var(--sage-light);transform:translateY(-1px)}.card .card-cta.outline{background:transparent;border:1.5px solid var(--sage);color:var(--sage)}.card 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.apply-link{color:var(--sage);font-weight:600;text-decoration:none;border-bottom:1px solid var(--gold);transition:all var(--transition)}.comparison-table .apply-link:hover{color:var(--gold)}.article-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;transition:all var(--transition)}.article-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px)}.article-card .article-img{height:200px;position:relative;overflow:hidden}.article-card .article-img .placeholder{width:100%;height:100%;display:flex;align-items:center;justify-content:center;font-size:3rem}.article-card .article-body{padding:28px}.article-card .article-tag{font-family:JetBrains Mono,monospace;font-size:.68rem;text-transform:uppercase;letter-spacing:.1em;color:var(--gold);margin-bottom:10px}.article-card .article-body h3{font-size:1.25rem;margin-bottom:10px;color:var(--ink)}.article-card .article-body p{font-size:.88rem;color:var(--text-light);line-height:1.65}.article-card .article-meta{display:flex;align-items:center;gap:12px;margin-top:20px;padding-top:16px;border-top:1px solid var(--border);font-size:.78rem;color:var(--text-light)}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;position:relative}.steps:before{content:"";position:absolute;top:36px;left:15%;width:70%;height:2px;background:linear-gradient(to right,var(--gold),var(--sage),var(--gold));opacity:.3}.step{text-align:center;position:relative}.step .step-num{width:72px;height:72px;border-radius:50%;background:var(--white);border:2px solid var(--sage);display:flex;align-items:center;justify-content:center;font-family:"DM Serif Display",serif;font-size:1.5rem;color:var(--sage);margin:0 auto 20px;position:relative;z-index:1}.step h4{font-size:1.15rem;margin-bottom:8px;color:var(--ink)}.step p{font-size:.88rem;color:var(--text-light);max-width:260px;margin:0 auto}.calc-section{background:var(--sage);border-radius:var(--radius);padding:56px;color:var(--white);position:relative;overflow:hidden}.calc-section:after{content:"";position:absolute;bottom:-80px;right:-80px;width:300px;height:300px;background:radial-gradient(circle,rgba(200,164,85,.15) 0%,transparent 70%);pointer-events:none}.calc-section h2{color:var(--white);margin-bottom:8px}.calc-section>p{color:#ffffffb3;margin-bottom:32px}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}.calc-input-group{margin-bottom:20px}.calc-input-group label{display:block;font-size:.82rem;font-weight:500;margin-bottom:8px;color:#fffc;letter-spacing:.03em}.calc-input-group input,.calc-input-group select{width:100%;padding:14px 16px;background:#ffffff1a;border:1px solid rgba(255,255,255,.2);border-radius:var(--radius-sm);color:var(--white);font-family:DM Sans,sans-serif;font-size:1rem;transition:all var(--transition);outline:none}.calc-input-group input:focus,.calc-input-group select:focus{border-color:var(--gold);background:#ffffff26}.calc-input-group input::placeholder{color:#fff6}.calc-input-group select option{color:var(--ink);background:var(--white)}.calc-btn{width:100%;padding:16px;background:var(--gold);color:var(--ink);border:none;border-radius:var(--radius-sm);font-family:DM Sans,sans-serif;font-size:1rem;font-weight:700;cursor:pointer;transition:all var(--transition);margin-top:8px}.calc-btn:hover{background:var(--gold-soft);transform:translateY(-1px)}.calc-result{background:#0003;border-radius:var(--radius);padding:32px}.calc-result h3{font-size:1.1rem;margin-bottom:20px;color:var(--gold)}.calc-result .result-row{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:.92rem}.calc-result .result-row:last-child{border-bottom:none}.calc-result .result-label{color:#ffffffb3}.calc-result .result-value{font-weight:600;color:var(--white)}.calc-result .result-value.highlight{color:var(--gold);font-size:1.2rem}.disclaimer-banner{background:var(--cream);border:1px solid var(--mist);border-radius:var(--radius-sm);padding:20px 28px;margin:40px 0;font-size:.82rem;color:var(--text-light);line-height:1.7}.disclaimer-banner strong{color:var(--text)}.newsletter{background:var(--cream);border-radius:var(--radius);padding:56px;text-align:center}.newsletter h2{margin-bottom:12px}.newsletter p{color:var(--text-light);margin-bottom:28px}.newsletter-form{display:flex;max-width:460px;margin:0 auto;gap:12px}.newsletter-form input{flex:1;padding:14px 20px;border:1px solid var(--mist);border-radius:var(--radius-sm);font-family:DM Sans,sans-serif;font-size:.95rem;outline:none;background:var(--white);transition:border-color var(--transition)}.newsletter-form input:focus{border-color:var(--sage)}.newsletter-form button{padding:14px 32px;background:var(--sage);color:var(--white);border:none;border-radius:var(--radius-sm);font-family:DM Sans,sans-serif;font-weight:600;font-size:.92rem;cursor:pointer;transition:all var(--transition);white-space:nowrap}.newsletter-form button:hover{background:var(--sage-light)}footer{padding:64px 0 40px;border-top:1px solid var(--border)}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;margin-bottom:48px}.footer-brand p{font-size:.85rem;color:var(--text-light);max-width:300px;line-height:1.7}.footer-col h4{font-family:DM Sans,sans-serif;font-size:.82rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--text);margin-bottom:16px}.footer-col ul{list-style:none}.footer-col ul li{margin-bottom:10px}.footer-col ul a{text-decoration:none;color:var(--text-light);font-size:.88rem;transition:color var(--transition)}.footer-col ul a:hover{color:var(--sage)}.footer-bottom{padding-top:32px;border-top:1px solid var(--border);display:flex;justify-content:space-between;align-items:flex-start;gap:24px}.footer-legal{font-size:.78rem;color:var(--text-light);line-height:1.8;max-width:700px}.footer-links{display:flex;gap:20px;flex-shrink:0}.footer-links a{font-size:.78rem;color:var(--text-light);text-decoration:none;transition:color var(--transition)}.footer-links a:hover{color:var(--sage)}.legal-page{max-width:800px;margin:0 auto;padding:60px 24px 80px}.legal-page h1{font-size:2.4rem;color:var(--ink);margin-bottom:8px}.legal-page .last-updated{font-family:JetBrains Mono,monospace;font-size:.75rem;color:var(--text-light);text-transform:uppercase;letter-spacing:.08em;margin-bottom:40px;display:block}.legal-page h2{font-size:1.4rem;color:var(--ink);margin-top:40px;margin-bottom:12px}.legal-page p{font-size:.95rem;color:var(--text-light);line-height:1.8;margin-bottom:16px}.legal-page ul{margin:12px 0 16px 20px;display:flex;flex-direction:column;gap:8px}.legal-page ul li{font-size:.95rem;color:var(--text-light);line-height:1.7}.contact-form{display:flex;flex-direction:column;gap:20px}.contact-form label{display:block;font-size:.85rem;font-weight:600;margin-bottom:6px;color:var(--text)}.contact-form input,.contact-form textarea,.contact-form select{width:100%;padding:14px 16px;border:1px solid var(--mist);border-radius:var(--radius-sm);font-family:DM Sans,sans-serif;font-size:.95rem;color:var(--text);background:var(--white);outline:none;transition:border-color var(--transition)}.contact-form input:focus,.contact-form textarea:focus,.contact-form select:focus{border-color:var(--sage)}.contact-form textarea{resize:vertical;min-height:140px}.contact-form button{padding:16px 40px;background:var(--sage);color:var(--white);border:none;border-radius:var(--radius-sm);font-family:DM Sans,sans-serif;font-size:1rem;font-weight:600;cursor:pointer;transition:all var(--transition);align-self:flex-start}.contact-form button:hover{background:var(--sage-light);transform:translateY(-1px)}.article-page{max-width:820px;margin:0 auto;padding:60px 24px 80px}.article-page h1{font-size:2.6rem;color:var(--ink);margin-bottom:16px}.article-page .article-intro{font-size:1.1rem;color:var(--text-light);line-height:1.8;margin-bottom:40px;padding-bottom:40px;border-bottom:1px solid var(--border)}.article-page h2{font-size:1.7rem;color:var(--ink);margin:48px 0 16px}.article-page h3{font-size:1.25rem;color:var(--ink);margin:28px 0 10px}.article-page p{font-size:.97rem;color:var(--text-light);line-height:1.8;margin-bottom:16px}.article-page ul{margin:12px 0 20px 20px;display:flex;flex-direction:column;gap:8px}.article-page ul li{font-size:.95rem;color:var(--text-light);line-height:1.7}.product-card-full{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:28px 32px;margin-bottom:24px;transition:all var(--transition)}.product-card-full:hover{box-shadow:var(--shadow-md)}.product-card-full .pcf-header{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:16px}.product-card-full .pcf-name{font-family:"DM Serif Display",serif;font-size:1.3rem;color:var(--ink)}.product-card-full .pcf-badge{background:var(--sage);color:var(--white);font-size:.7rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;padding:5px 12px;border-radius:100px}.product-card-full .pcf-stats{display:flex;gap:24px;padding:16px 0;border-top:1px solid var(--border);border-bottom:1px solid var(--border);margin:16px 0}.product-card-full .pcf-stat{flex:1}.product-card-full .pcf-stat-value{font-family:"DM Serif Display",serif;font-size:1.4rem;color:var(--sage)}.product-card-full .pcf-stat-label{font-size:.75rem;color:var(--text-light);margin-top:2px}.product-card-full .pcf-features{list-style:none;margin:0 0 16px;display:flex;flex-direction:column;gap:6px}.product-card-full .pcf-features li{font-size:.88rem;color:var(--text);display:flex;align-items:flex-start;gap:8px}.product-card-full .pcf-features li:before{content:"✓";color:var(--sage);font-weight:700;flex-shrink:0}.product-card-full .pcf-footer{display:flex;justify-content:space-between;align-items:center;margin-top:20px}.product-card-full .pcf-apr{font-size:.78rem;color:var(--text-light)}.product-card-full .pcf-cta{padding:12px 28px;background:var(--sage);color:var(--white);text-decoration:none;border-radius:var(--radius-sm);font-weight:600;font-size:.9rem;transition:all var(--transition)}.product-card-full .pcf-cta:hover{background:var(--sage-light)}.risk-warning{background:var(--cream);border-left:3px solid var(--gold);border-radius:0 var(--radius-sm) var(--radius-sm) 0;padding:14px 18px;margin-top:8px;font-size:.8rem;color:var(--text-light);line-height:1.7}@media (max-width: 768px){.hero h1{font-size:2.4rem}.hero{padding:60px 0 40px}.grid-2,.grid-3,.steps,.calc-grid,.footer-grid{grid-template-columns:1fr}.trust-bar .inner{flex-wrap:wrap;gap:16px}.trust-item{flex:none;width:45%}.calc-section{padding:32px 24px}.newsletter{padding:40px 24px}.footer-bottom{flex-direction:column}nav .nav-links{display:none}.comparison-table{font-size:.82rem}.comparison-table thead th,.comparison-table tbody td{padding:12px}.steps:before{display:none}.newsletter-form{flex-direction:column}}