:root{--cy:#0ab4d6;--pu:#7c5cf0;--bg:#fff;--card:#fff;--alt:#f3f8fb;--tx:#0f2347;--sub:#5b6b86;--line:#e3ebf3;--sh:0 8px 28px rgba(15,35,71,.08);--g:linear-gradient(135deg,#0ab4d6,#7c5cf0);--ok:#16a34a;--bad:#dc2626;--warn:#b45309}
[data-theme=dark]{--bg:#0a1226;--card:#111b34;--alt:#0d172d;--tx:#eef3ff;--sub:#9db0d0;--line:#22324f;--sh:0 8px 28px rgba(0,0,0,.4)}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:"Plus Jakarta Sans",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;background:var(--bg);color:var(--tx);line-height:1.5;-webkit-font-smoothing:antialiased}
a{color:inherit}img{max-width:100%}
.fw{max-width:1180px;margin:0 auto;padding:0 20px}
.muted{color:var(--sub)}
/* header */
.fh{position:sticky;top:0;z-index:50;background:color-mix(in srgb,var(--bg) 92%,transparent);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.fh-in{display:flex;align-items:center;gap:20px;height:62px}
.fh-logo{display:flex;align-items:center;gap:10px;text-decoration:none;flex-shrink:0}
.fh-logo img{border-radius:10px}.fh-logo span{display:flex;flex-direction:column;line-height:1.05}
.fh-logo b{font-size:1.1rem;font-weight:800;letter-spacing:-.02em}.fh-logo i{font-style:normal;font-size:.68rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;background:var(--g);-webkit-background-clip:text;background-clip:text;color:transparent}
.fh-nav{display:flex;gap:24px;margin-left:auto;align-items:center}
.fh-nav a{font-size:.86rem;font-weight:600;text-decoration:none;color:var(--tx)}.fh-nav a:hover{color:var(--cy)}
.fh-back{padding:8px 14px;border:1px solid var(--line);border-radius:10px}
.fh-btn{width:38px;height:38px;border-radius:10px;border:1px solid var(--line);background:var(--card);color:var(--tx);cursor:pointer;font-size:.95rem}
.fh-chips{display:none;gap:8px;padding-top:0;padding-bottom:10px;overflow-x:auto;scrollbar-width:none}
.fh-chips a{flex:0 0 auto;padding:6px 14px;border:1px solid var(--line);border-radius:999px;font-size:.78rem;font-weight:700;text-decoration:none;background:var(--card)}
/* hero */
.hero{background:linear-gradient(105deg,#e4f8fc 0%,#f1f0ff 60%,#fff 100%);border-bottom:1px solid var(--line)}
[data-theme=dark] .hero{background:linear-gradient(105deg,#0c2a3d,#18163f 60%,#0a1226)}
.hero-in{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:36px;align-items:center;padding-top:54px;padding-bottom:54px}
.eyebrow{display:inline-flex;gap:8px;align-items:center;font-size:.76rem;font-weight:700;color:#08839c;background:rgba(10,180,214,.13);padding:6px 14px;border-radius:999px}
[data-theme=dark] .eyebrow{color:#5ee0f7}
h1{font-size:clamp(2rem,4.4vw,3.2rem);line-height:1.1;letter-spacing:-.03em;margin:16px 0 12px;font-weight:800}
h1 em{font-style:normal;background:var(--g);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero-t p{font-size:1.05rem;color:var(--sub);max-width:560px;margin:0 0 22px}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:12px;padding:13px 22px;font:700 .92rem/1 inherit;font-family:inherit;cursor:pointer;text-decoration:none;transition:transform .15s,box-shadow .15s}
.btn.pri{background:var(--g);color:#fff;box-shadow:0 10px 24px rgba(124,92,240,.28)}.btn.pri:hover{transform:translateY(-1px)}
.btn.ghost{background:var(--card);color:var(--tx);border:1px solid var(--line)}
.trust{list-style:none;padding:0;margin:22px 0 0;display:flex;flex-wrap:wrap;gap:8px 20px;font-size:.8rem;font-weight:600;color:var(--sub)}.trust i{color:var(--ok);margin-right:5px}
.snap{background:var(--card);border:1px solid var(--line);border-radius:20px;box-shadow:var(--sh);padding:18px}
.snap-h{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}.snap-h b{font-size:.95rem}.snap-h span{font-size:.7rem;font-weight:700;color:var(--ok)}
.snap-g{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.sn{border:1px solid var(--line);border-radius:12px;padding:10px 12px;background:var(--alt)}.sn.stale{border:1px dashed #f59e0b}
.sn span{display:block;font-size:.72rem;font-weight:600;color:var(--sub)}.sn b{font-size:1.12rem;font-weight:800}.sn small{font-size:.66rem;color:var(--sub);margin-left:3px}
.sn em{display:block;font-style:normal;font-size:.72rem;font-weight:700}.up{color:var(--ok)}.dn{color:var(--bad)}
.snap-m{margin-top:10px;font-size:.68rem;color:var(--sub);line-height:1.5}.snap-m .warn{color:var(--warn);font-weight:700}
.sk{height:62px;border-radius:12px;background:linear-gradient(90deg,var(--alt),var(--line),var(--alt));background-size:200% 100%;animation:sk 1.2s infinite}@keyframes sk{to{background-position:-200% 0}}
/* sections */
.sec{padding:60px 0;scroll-margin-top:110px}.sec.alt{background:var(--alt);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sh{margin-bottom:22px}.sh.row{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;flex-wrap:wrap}
.sh h2{font-size:clamp(1.4rem,2.6vw,1.9rem);letter-spacing:-.02em;margin:0 0 4px;font-weight:800}.sh p{margin:0;color:var(--sub);font-size:.95rem}
.card{background:var(--card);border:1px solid var(--line);border-radius:18px;box-shadow:var(--sh);padding:22px}
.fine{font-size:.72rem;color:var(--sub);margin:12px 0 0}.fine.c{text-align:center}
/* categories */
.cat-grid{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:14px}
.cat{display:flex;flex-direction:column;align-items:center;gap:8px;text-align:center;padding:18px 8px;background:var(--card);border:1px solid var(--line);border-radius:16px;cursor:pointer;font:inherit;color:inherit;transition:.18s}
.cat:hover{transform:translateY(-3px);box-shadow:var(--sh);border-color:var(--pu)}
.cat i{width:52px;height:52px;border-radius:50%;display:grid;place-items:center;font-size:1.25rem;background:rgba(10,180,214,.13);color:var(--cy)}
.cat:nth-child(3n+2) i{background:rgba(79,95,230,.13);color:#4f5fe6}.cat:nth-child(3n) i{background:rgba(124,92,240,.14);color:var(--pu)}
.cat b{font-size:.86rem}.cat span{font-size:.7rem;color:var(--sub);font-weight:600}
/* offers */
.chips{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:18px}
.chip{border:1px solid var(--line);background:var(--card);color:var(--tx);border-radius:999px;padding:8px 16px;font:700 .8rem inherit;font-family:inherit;cursor:pointer}
.chip.on{background:var(--g);color:#fff;border-color:transparent}
.sort{display:flex;align-items:center;gap:8px;font-size:.8rem;font-weight:700;color:var(--sub)}
select,input:not([type=checkbox]){font-family:inherit}
.sort select{padding:9px 12px;border-radius:10px;border:1px solid var(--line);background:var(--card);color:var(--tx);font-weight:700}
.off-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.off{display:flex;flex-direction:column;gap:12px;background:var(--card);border:1px solid var(--line);border-radius:18px;padding:18px;box-shadow:var(--sh);position:relative}
.off.ft{border-color:var(--pu)}
.off-top{display:flex;gap:12px;align-items:center}
.off-logo{width:46px;height:46px;border-radius:12px;border:1px solid var(--line);background:#fff;display:grid;place-items:center;overflow:hidden;font-weight:800;color:var(--pu);flex:0 0 46px}.off-logo img{width:100%;height:100%;object-fit:contain}
.off-top b{display:block;font-size:.98rem;line-height:1.2}.off-top span{font-size:.76rem;color:var(--sub)}
.badge{position:absolute;top:14px;right:14px;font-size:.66rem;font-weight:800;padding:3px 9px;border-radius:999px;background:rgba(124,92,240,.14);color:var(--pu)}
.off-st{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}
.off-st div{background:var(--alt);border-radius:10px;padding:8px 10px}.off-st span{display:block;font-size:.66rem;font-weight:600;color:var(--sub)}.off-st b{font-size:.92rem}
.off ul{list-style:none;margin:0;padding:0;display:grid;gap:5px;font-size:.8rem;color:var(--sub)}.off li:before{content:"✓";color:var(--ok);font-weight:800;margin-right:7px}
.off-act{display:flex;gap:8px;margin-top:auto}.off-act .btn{padding:11px 14px;font-size:.82rem;flex:1}
.ad{font-size:.64rem;color:var(--sub);font-weight:600}
.empty{grid-column:1/-1;text-align:center;padding:34px 18px;background:var(--card);border:1px dashed var(--line);border-radius:18px}.empty b{display:block;margin-bottom:6px}.empty p{margin:0 0 14px;color:var(--sub);font-size:.88rem}
.cta-band{margin-top:22px;display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;background:var(--card);border:1px solid var(--line);border-radius:18px;padding:18px 22px}.cta-band b{display:block}.cta-band span{font-size:.85rem;color:var(--sub)}
/* credit */
.cr-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:18px}.cr-grid .bureaus{grid-column:1/-1}
.q{margin-bottom:14px}.q label{display:block;font-size:.84rem;font-weight:700;margin-bottom:6px}
.q select{width:100%;padding:12px;border-radius:12px;border:1px solid var(--line);background:var(--card);color:var(--tx);font-size:.9rem}
.cr-out{text-align:center}.gauge{width:100%;max-width:300px}.g-n{font-size:34px;font-weight:800;fill:var(--tx)}.g-l{font-size:11px;font-weight:700;fill:var(--sub)}
#gArc{transition:stroke-dashoffset .8s ease}
.tips{text-align:left;margin-top:8px;display:grid;gap:8px}.tip{display:flex;gap:10px;font-size:.84rem;background:var(--alt);padding:10px 12px;border-radius:12px}.tip i{color:var(--pu);margin-top:3px}
.bureaus h3{margin:0 0 6px}.bureaus p{margin:0 0 14px;color:var(--sub);font-size:.9rem}
.b-list{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:8px}.b-list a{padding:10px 16px;border:1px solid var(--line);border-radius:12px;font-weight:700;font-size:.84rem;text-decoration:none;background:var(--alt)}.b-list a i{color:var(--pu);margin-right:6px;font-size:.75rem}
.bureaus small{color:var(--sub);font-size:.72rem}
.score-offers{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:12px;margin-top:14px}
.factors{margin-top:18px;display:grid;gap:8px}.f{display:grid;grid-template-columns:150px 1fr 40px;gap:10px;align-items:center;font-size:.8rem}.f i{display:block;height:8px;border-radius:6px;background:linear-gradient(90deg,var(--cy),var(--pu));width:var(--w)}.f em{font-style:normal;color:var(--sub);font-weight:700}
/* tools */
.tools{padding:0;overflow:hidden}
.t-tabs{display:flex;gap:8px;padding:14px;border-bottom:1px solid var(--line);overflow-x:auto;scrollbar-width:none}
.t-tabs button{flex:0 0 auto;border:1px solid var(--line);background:var(--card);color:var(--tx);border-radius:999px;padding:9px 18px;font:700 .84rem inherit;font-family:inherit;cursor:pointer}
.t-tabs button.on{background:var(--g);color:#fff;border-color:transparent}
.t-body{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:26px;padding:24px}
.fld{margin-bottom:16px}.fld .lb{display:flex;justify-content:space-between;font-size:.82rem;font-weight:700;margin-bottom:6px}.fld .lb small{color:var(--sub);font-weight:600}
.fld .row{display:flex;gap:12px;align-items:center}
.fld input[type=number]{width:140px;height:42px;border:1px solid var(--line);border-radius:10px;padding:0 12px;background:var(--card);color:var(--tx);font-weight:700;font-size:16px}
.fld input[type=range]{flex:1;accent-color:var(--pu);min-width:0}
.fld select{width:100%;height:42px;border:1px solid var(--line);border-radius:10px;padding:0 10px;background:var(--card);color:var(--tx);font-weight:700}
.t-out{background:linear-gradient(135deg,rgba(10,180,214,.09),rgba(124,92,240,.11));border-radius:16px;padding:20px;align-self:start}
.big span{display:block;font-size:.8rem;font-weight:600;color:var(--sub)}.big b{font-size:2rem;font-weight:800;letter-spacing:-.02em}.big small{display:block;font-size:.76rem;color:var(--sub)}
.res{display:grid;gap:2px;margin:10px 0}.res div{display:flex;justify-content:space-between;gap:10px;font-size:.86rem;padding:5px 0;border-bottom:1px dashed var(--line)}.res div:last-child{border:0}.res span{color:var(--sub)}
.viz{display:flex;gap:18px;align-items:center;margin-top:12px;flex-wrap:wrap}.viz svg{flex:0 0 auto}
.lg{display:grid;gap:6px;font-size:.78rem;font-weight:600}.lg i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px}
.bars{width:100%;height:auto;margin-top:8px}.bars text{font-size:9px;fill:var(--sub)}
.note{margin-top:10px;font-size:.78rem;background:var(--card);border-radius:10px;padding:9px 12px;color:var(--sub)}.note b{color:var(--ok)}
/* faq */
.faq{display:grid;gap:10px;max-width:860px}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:0 18px}.faq summary{cursor:pointer;font-weight:700;font-size:.95rem;padding:16px 0;list-style:none;display:flex;justify-content:space-between;gap:10px}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";font-size:1.3rem;color:var(--pu);line-height:1}.faq details[open] summary:after{content:"−"}.faq details p{margin:0 0 16px;color:var(--sub);font-size:.9rem}
.disc h3{margin:0 0 10px}.disc p{font-size:.84rem;color:var(--sub);margin:0 0 8px}.disc i{color:var(--pu);margin-right:6px}
.ff{padding:26px 0 90px;border-top:1px solid var(--line);font-size:.8rem}.ff-in{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}.ff a{text-decoration:none;color:var(--sub);margin:0 4px}
/* modal */
.modal{position:fixed;inset:0;background:rgba(10,18,38,.55);display:flex;align-items:center;justify-content:center;padding:16px;z-index:200;backdrop-filter:blur(3px)}.modal[hidden]{display:none}
.m-card{position:relative;background:var(--card);border-radius:20px;max-width:480px;width:100%;padding:24px;max-height:92vh;overflow:auto;box-shadow:0 30px 80px rgba(0,0,0,.4)}
.m-x{position:absolute;right:12px;top:8px;border:0;background:transparent;font-size:1.8rem;color:var(--sub);cursor:pointer}
.m-card h3{margin:0 0 4px}.m-card p{margin:0 0 14px;font-size:.84rem}
.m-card label{display:block;font-size:.78rem;font-weight:700;margin-bottom:12px}.m-card label small{font-weight:500;color:var(--sub)}
.m-card input:not([type=checkbox]),.m-card select{display:block;width:100%;margin-top:5px;height:44px;border:1px solid var(--line);border-radius:10px;padding:0 12px;background:var(--card);color:var(--tx);font-size:16px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.cons{display:flex!important;gap:10px;align-items:flex-start;font-weight:500!important;color:var(--sub)}.cons input{margin-top:3px}
.hp{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important}
.err{color:var(--bad);font-size:.8rem;min-height:1.1em;margin-bottom:8px}
.ok{text-align:center;padding:18px 0;display:grid;gap:8px;justify-items:center}.ok i{font-size:2.4rem;color:var(--ok)}
.m-card .btn{width:100%}
@media(max-width:1000px){.cat-grid{grid-template-columns:repeat(4,minmax(0,1fr))}.off-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.hero-in{grid-template-columns:minmax(0,1fr)}.fh-nav{display:none}.fh-btn{margin-left:auto}.fh-chips{display:flex}.t-body{grid-template-columns:minmax(0,1fr)}.cr-grid{grid-template-columns:minmax(0,1fr)}}
@media(max-width:600px){.fw{padding:0 14px}.cat-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}.cat{padding:14px 4px}.cat i{width:44px;height:44px;font-size:1.1rem}.off-grid{grid-template-columns:minmax(0,1fr)}.sec{padding:44px 0}.hero-in{padding-top:34px;padding-bottom:34px}.t-body{padding:16px;gap:18px}.fld input[type=number]{width:118px}.f{grid-template-columns:112px 1fr 36px}.two{grid-template-columns:1fr}.fh-in{height:56px}.big b{font-size:1.7rem}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}