@font-face{
  font-family:Inter;
  font-style:normal;
  font-weight:400;
  font-display:swap;
  src:url("assets/fonts/inter-latin-400-normal.woff2") format("woff2");
  unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD;
}
@font-face{
  font-family:Inter;
  font-style:normal;
  font-weight:600;
  font-display:swap;
  src:url("assets/fonts/inter-latin-600-normal.woff2") format("woff2");
  unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD;
}
@font-face{
  font-family:Inter;
  font-style:normal;
  font-weight:700;
  font-display:swap;
  src:url("assets/fonts/inter-latin-700-normal.woff2") format("woff2");
  unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD;
}

:root{
  --navy:#071a2b; --navy2:#0d2942; --teal:#0b7a75; --teal2:#1bb7aa;
  --ink:#132333; --muted:#647587; --line:#d9e2e9; --soft:#f4f7f9;
  --white:#fff; --gold:#c79a3b; --radius:14px; --shadow:0 12px 32px rgba(7,26,43,.09);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:88px}
.skip-link{position:absolute;left:-999px;top:8px;z-index:40;background:var(--navy);color:#fff;padding:8px 14px;border-radius:8px;font-weight:700}
.skip-link:focus{left:8px;text-decoration:none}
.currency-note{font-size:13px;color:var(--muted);margin:10px 0 0}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.65}
a{color:var(--teal);text-decoration:none}
a:hover{text-decoration:underline}
.container{width:min(1120px,92%);margin:auto}
.topbar{background:var(--navy);color:#d9e6ef;font-size:13px}
.topbar .container{display:flex;justify-content:space-between;gap:20px;padding:9px 0}
.nav{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.navin{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:20px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--navy);font-size:20px}
.logoMark{width:38px;height:38px;border-radius:10px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:900}
.navlinks{display:flex;gap:22px;align-items:center;font-size:14px;font-weight:650}
.navlinks a:not(.btn){color:var(--navy)}.navlinks a:not(.btn):hover{color:var(--teal);text-decoration:none}
.btn{display:inline-flex;align-items:center;justify-content:center;border:1px solid transparent;border-radius:10px;padding:11px 16px;font-weight:750;cursor:pointer}
.btn-primary{background:var(--teal);color:#fff}.btn-primary:hover{background:#0b625c;text-decoration:none}
.btn-outline{border-color:var(--line);color:var(--navy);background:#fff}.btn-outline:hover{text-decoration:none;background:var(--soft)}
.hero{background:linear-gradient(180deg,#f3f8fb 0%,#fff 100%);padding:76px 0 58px}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:12px;font-weight:800;color:var(--teal)}
h1{font-size:clamp(36px,5vw,58px);line-height:1.06;margin:12px 0 18px;color:var(--navy);letter-spacing:-.035em}
h2{font-size:30px;line-height:1.15;color:var(--navy);margin:0 0 12px}
h3{font-size:19px;color:var(--navy);margin:0 0 8px}
.lead{font-size:19px;color:var(--muted);max-width:720px}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}
.section{padding:58px 0}
.section.soft{background:var(--soft)}
.grid{display:grid;gap:18px}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
.toolcard{transition:transform .15s ease,box-shadow .15s ease}.toolcard:hover{transform:translateY(-2px)}
.tag{display:inline-block;background:#e7f5f3;color:#0b625c;padding:4px 8px;border-radius:999px;font-size:11px;font-weight:800}
.muted{color:var(--muted)}
.kicker{font-weight:800;color:var(--navy);font-size:13px}
.list{padding-left:20px}
.footer{background:var(--navy);color:#cbd8e1;padding:46px 0 22px}
.footer h3{color:#fff}.footer a{color:#cbd8e1}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:35px}.copyright{border-top:1px solid #294156;margin-top:30px;padding-top:18px;font-size:12px}
.breadcrumbs{font-size:13px;color:var(--muted);padding:20px 0}.breadcrumbs a{color:var(--muted)}
.calcwrap{padding:42px 0 70px}.calcgrid{display:grid;grid-template-columns:1.05fr .95fr;gap:24px;align-items:start}
.formgrid{display:grid;grid-template-columns:1fr 1fr;gap:15px}
label{display:block;font-weight:700;font-size:13px;color:var(--navy);margin-bottom:6px}
input,select,textarea{width:100%;border:1px solid #cbd6df;border-radius:10px;padding:11px 12px;font:inherit;background:#fff}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(20,184,166,.16);border-color:var(--teal)}
a:focus-visible,button:focus-visible,.btn:focus-visible{outline:3px solid rgba(20,184,166,.35);outline-offset:2px;border-radius:4px}
.navlinks a.active:not(.btn){color:var(--teal)}
.navlinks a.active:not(.btn)::after{content:"";display:block;height:2px;background:var(--teal);margin-top:4px}
.field small{display:block;color:var(--muted);margin-top:4px}
.result{background:#f0f8f7;border:1px solid #cde8e4;border-radius:14px;padding:22px}
.bigresult{font-size:34px;font-weight:850;color:var(--navy);line-height:1.1;margin:8px 0 16px}
.bigresult .unit{display:inline-block;margin-left:8px;font-size:16px;font-weight:650;color:var(--muted);letter-spacing:0}
.bigresult-sub{font-size:15px;font-weight:650;color:var(--navy);margin:-8px 0 10px}
.bigresult-sub .unit{margin-left:6px;font-size:13px;font-weight:650;color:var(--muted)}
.piti-note{font-size:12px;color:var(--muted);margin:0 0 14px;line-height:1.5}
.schedule-wrap{margin-top:24px}
.footer .logoMark{background:#fff;color:var(--navy)}
.schedule-wrap .tablewrap{margin-top:12px}
table.moneytable.schedule-table{min-width:560px}
.schedule-monthly{margin-top:16px}
.schedule-monthly summary{cursor:pointer;font-weight:750;color:var(--navy);padding:8px 0}
.cat-jump{display:flex;flex-wrap:wrap;gap:8px;margin:8px 0 28px}
.cat-jump a{display:inline-flex;border:1px solid var(--line);background:#fff;color:var(--navy);border-radius:999px;padding:8px 14px;font-size:13px;font-weight:650}
.cat-jump a:hover{border-color:var(--teal);color:var(--teal);text-decoration:none}
.tool-section{scroll-margin-top:96px;margin-top:48px}
.tool-section:first-of-type{margin-top:8px}
.resultrow{display:flex;justify-content:space-between;gap:15px;border-top:1px solid #d4e5e2;padding:10px 0;font-size:14px}
.error{color:#a33;font-weight:700;margin-top:10px}
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
table.moneytable{width:100%;border-collapse:collapse;font-size:15px;min-width:720px}
table.moneytable th{text-align:left;background:var(--soft);color:var(--navy);font-size:12px;text-transform:uppercase;letter-spacing:.06em;padding:14px 18px;border-bottom:1px solid var(--line)}
table.moneytable td{padding:16px 18px;border-bottom:1px solid var(--line);vertical-align:top}
table.moneytable tr:last-child td{border-bottom:none}
table.moneytable td.channel{font-weight:750;color:var(--navy);white-space:nowrap}
table.moneytable td.example{color:var(--muted)}
.status-pill{display:inline-block;font-size:11px;font-weight:750;text-transform:uppercase;letter-spacing:.04em;padding:4px 10px;border-radius:999px}
.status-planned{background:#fff4e0;color:#8a5a00}
.status-future{background:#eef2fb;color:#33418c}
.status-inactive{background:#f4f4f4;color:#666}
.fillin{background:#fff4d6;border:1px dashed #c79a3b;border-radius:5px;padding:1px 7px;font-weight:650;color:#7a5b00;font-style:normal}
.noticebox{background:#eef2fb;border:1px solid #c9d4f0;border-radius:var(--radius);padding:16px 20px;margin:18px 0;font-size:14.5px;color:var(--ink)}
.noticebox strong{color:#33418c}
.toc{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:18px 22px;margin:20px 0}
.toc h2{font-size:15px;margin:0 0 8px}
.toc ol{margin:0;padding-left:20px;columns:2;column-gap:24px}
.toc a{font-size:14px}
@media(max-width:600px){.toc ol{columns:1}}
.resultbar{display:flex;height:14px;border-radius:7px;overflow:hidden;background:#e4ecf1;margin:4px 0 12px}
.resultbar span{display:block;height:100%;transition:width .3s ease}
.resultbar .seg-a{background:var(--teal)}
.resultbar .seg-b{background:var(--navy)}
.resultbar .seg-c{background:var(--gold)}
.resultlegend{display:flex;gap:16px;flex-wrap:wrap;font-size:12px;color:var(--muted);margin-bottom:14px}
.resultlegend i{display:inline-block;width:9px;height:9px;border-radius:2px;margin-right:5px;vertical-align:middle}
.formula{background:#f7f9fb;border-left:4px solid var(--teal);padding:15px 18px;margin:20px 0}
.faq details{border-top:1px solid var(--line);padding:15px 0}.faq summary{cursor:pointer;font-weight:750;color:var(--navy)}
.disclaimer{font-size:12px;color:var(--muted);background:#fafafa;border:1px solid var(--line);padding:15px;border-radius:10px;margin-top:20px}
.article{max-width:820px}.article p,.article li{color:#344657}.article h2{margin-top:35px}.article h3{margin-top:25px}
.badgegrid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}
.stat{font-size:31px;font-weight:850;color:var(--navy)}
.notice{padding:13px 16px;border:1px solid #ead9a7;background:#fffaf0;color:#6e4c00;border-radius:10px}
.mobilemenu{display:none;border:1px solid var(--line);background:#fff;border-radius:8px;padding:8px 12px;font:inherit;font-weight:700;color:var(--navy);cursor:pointer}
@media(max-width:820px){
 .navlinks{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:8px 0;box-shadow:0 12px 24px rgba(7,26,43,.08)}
 .navlinks a{padding:13px 20px;border-bottom:1px solid var(--soft)}
 .nav.navopen .navlinks{display:flex}
 .navin{position:relative}
 .mobilemenu{display:block}
 .grid-3,.grid-4,.footgrid,.calcgrid,.badgegrid{grid-template-columns:1fr}
 .formgrid{grid-template-columns:1fr}
 .hero{padding:52px 0 42px}.section{padding:45px 0}
 .topbar .container{display:block}
}

/* V5 corporate fintech layer */
body{letter-spacing:-.005em}
.nav{box-shadow:0 1px 0 rgba(7,26,43,.03)}
.logoMark{border-radius:8px}
.hero{background:linear-gradient(180deg,#f4f8fa 0%,#fff 72%);padding:64px 0 48px}
.hero h1{max-width:640px}
.hero-split{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(280px,.9fr);gap:48px;align-items:center}
.hero .lead{margin:0 0 8px}
.hero .trustline{margin-top:16px}
.hero-panel{padding:28px 26px}
.hero-panel .btn{width:100%;margin-top:4px}
.btn-on-dark{background:transparent;color:#fff;border-color:rgba(255,255,255,.28)}.btn-on-dark:hover{background:rgba(255,255,255,.08);text-decoration:none}
.hero-kicker{margin:10px 0 0;font-size:13px;color:#9eb4c2}
.hero-result{font-size:42px;font-weight:800;color:#fff;letter-spacing:-.04em;line-height:1;margin:8px 0 18px}
.hero-result span{display:inline-block;margin-left:8px;font-size:16px;font-weight:650;color:#9eb4c2;letter-spacing:0}
.hero-note{font-size:12px;color:#9eb4c2;margin:4px 0 14px}
.popular-tools{display:flex;flex-wrap:wrap;align-items:center;gap:8px;margin-top:40px;padding-top:22px;border-top:1px solid var(--line)}
.popular-label{font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-right:6px}
.popular-tools a{display:inline-flex;align-items:center;border:1px solid var(--line);background:#fff;color:var(--navy);border-radius:999px;padding:8px 14px;font-size:13px;font-weight:650}
.popular-tools a:hover{border-color:var(--teal);color:var(--teal);text-decoration:none;background:#f3fbfa}
.corp-kpis{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line);background:#fff;border-radius:16px;overflow:hidden;box-shadow:var(--shadow)}
.corp-kpi{padding:22px;border-right:1px solid var(--line)}.corp-kpi:last-child{border-right:0}
.kpi-number{font-size:28px;font-weight:850;color:var(--navy)}.kpi-label{font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-weight:800}
.dark-panel{background:#071a2b;color:#dce9f0;border-radius:18px;padding:30px;box-shadow:0 18px 45px rgba(7,26,43,.16)}
.dark-panel h2,.dark-panel h3{color:#fff}
.mini-table{width:100%;border-collapse:collapse;font-size:13px}.mini-table td{padding:11px 0;border-bottom:1px solid rgba(255,255,255,.11)}.mini-table td:last-child{text-align:right;color:#fff;font-weight:750}
.section-title{max-width:760px;margin-bottom:25px}
.category-card{min-height:175px;display:flex;flex-direction:column;justify-content:space-between}
.category-icon{width:42px;height:42px;border-radius:11px;background:#e8f5f3;color:#0b625c;display:grid;place-items:center;font-weight:900;margin-bottom:14px}
.editorial{border-top:1px solid var(--line);padding-top:17px}
.trustline{font-size:13px;color:var(--muted)}
@media(max-width:820px){
 .hero-split{grid-template-columns:1fr;gap:28px}
 .hero-result{font-size:34px}
 .corp-kpis{grid-template-columns:1fr}.corp-kpi{border-right:0;border-bottom:1px solid var(--line)}.corp-kpi:last-child{border-bottom:0}
 .why-list{grid-template-columns:1fr 1fr}
}
.explain{margin-top:18px}
.explain h3{font-size:16px;margin:0 0 8px}
.explain p,.explain li{font-size:14px;color:#344657}
.explain .formula{margin-top:12px}
.byline{font-size:13px;color:var(--muted);margin:-4px 0 18px}
.why-list{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:8px}
.why-item{border:1px solid var(--line);border-radius:12px;padding:16px 18px;background:#fff}
.why-item strong{display:block;color:var(--navy);font-size:14px;margin-bottom:4px}
.why-item span{font-size:13px;color:var(--muted)}
.popular-grid{margin-top:28px}