:root{
  --bg:#ffffff;
  --surface:#f7f8fa;
  --surface2:#ffffff;
  --text:#0b0f19;
  --muted:#5b6472;
  --border:#e6e8ec;
  --accent:#4f6bff;
  --accent2:#2f46ff;
  --good:#16a34a;
  --warn:#f59e0b;
  --bad:#ef4444;
  --r-xl:24px;
  --r-lg:20px;
  --r-md:16px;
  --r-sm:12px;
  --shadow: 0 14px 40px rgba(11,15,25,.08);
  --shadow2: 0 8px 22px rgba(11,15,25,.06);
  --ease: cubic-bezier(.2,.8,.2,1);
  --dur: 160ms;
  --grid: 8px;
  color-scheme: light;
}
*{box-sizing:border-box}
html,body{height:100%}
body{
  margin:0;
  font-family: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  background:var(--bg);
  color:var(--text);
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
}
a{color:inherit}
.container{max-width:1120px;margin:0 auto;padding:24px}
@media (max-width: 900px){.container{padding:18px}}
.topbar{
  display:flex;align-items:center;justify-content:space-between;gap:16px;
  padding:10px 0 4px;
}
.brand{
  display:flex;align-items:center;gap:12px;font-weight:800;letter-spacing:-.03em;
}
.brand .dot{
  width:10px;height:10px;border-radius:999px;background:var(--accent);
  box-shadow:0 0 0 7px rgba(79,107,255,.13);
}
.nav{display:flex;gap:14px;color:var(--muted);font-weight:600;font-size:14px}
.nav a{text-decoration:none}
.nav a:hover{color:var(--text)}
@media (max-width: 900px){.nav{display:none}}
.card{
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:var(--r-xl);
  box-shadow:var(--shadow2);
}
.kicker{
  display:inline-flex;align-items:center;gap:10px;
  font-size:13px;font-weight:700;color:var(--muted);
  background:rgba(79,107,255,.08);
  padding:8px 12px;border-radius:999px;
  border:1px solid rgba(79,107,255,.18);
}
h1{margin:14px 0 10px;font-size:52px;line-height:1.02;letter-spacing:-.05em}
@media (max-width: 720px){h1{font-size:38px}}
p{margin:0}
.sub{color:var(--muted);font-size:16px;line-height:1.7;max-width:64ch}
.btn{
  border:0;cursor:pointer;
  border-radius:999px;
  padding:12px 16px;
  font-weight:800;
  letter-spacing:-.01em;
  font-size:15px;
  display:inline-flex;align-items:center;gap:10px;
  transition: transform var(--dur) var(--ease), filter var(--dur) var(--ease), background var(--dur) var(--ease);
  user-select:none;
}
.btn:active{transform: scale(.99)}
.btnPrimary{
  background:var(--accent);
  color:#fff;
  box-shadow: 0 16px 40px rgba(79,107,255,.28);
}
.btnPrimary:hover{filter:brightness(.98)}
.btnGhost{
  background:transparent;color:var(--text);
  border:1px solid var(--border);
}
.btnGhost:hover{background:rgba(11,15,25,.03)}
.btnWide{width:100%;justify-content:center}
.input{
  display:flex;gap:10px;align-items:center;
  background:var(--surface2);
  border:1px solid var(--border);
  border-radius:var(--r-lg);
  padding:14px 14px;
  box-shadow: 0 1px 0 rgba(11,15,25,.03);
}
.input input, .input textarea{
  border:0;outline:0;width:100%;
  font-size:16px;background:transparent;color:var(--text);
}
.input textarea{resize:none;min-height:88px;line-height:1.5}
.hint{font-size:13px;color:var(--muted);line-height:1.5}
.grid2{display:grid;grid-template-columns: 1.1fr .9fr;gap:22px}
@media (max-width: 900px){.grid2{grid-template-columns:1fr}}
.choiceGrid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width: 520px){.choiceGrid{grid-template-columns:1fr}}
.choice{
  background:var(--surface2);
  border:1px solid var(--border);
  border-radius:var(--r-lg);
  padding:14px 14px;
  cursor:pointer;
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease), border-color var(--dur) var(--ease);
}
.choice:hover{transform: translateY(-1px); box-shadow:var(--shadow2); border-color: rgba(79,107,255,.40)}
.choice[data-selected="true"]{border-color: rgba(79,107,255,.70); box-shadow: 0 12px 30px rgba(79,107,255,.12)}
.choiceTitle{font-weight:900;letter-spacing:-.03em;margin:0 0 6px}
.choiceDesc{margin:0;color:var(--muted);font-size:13px;line-height:1.45}
.section3{margin-top:18px;display:grid;grid-template-columns: 1fr 1fr 1fr;gap:12px}
@media (max-width: 900px){.section3{grid-template-columns:1fr}}
.mini{
  padding:16px;border-radius:var(--r-xl);
  border:1px solid var(--border);
  background:var(--surface2);
  box-shadow: 0 6px 18px rgba(11,15,25,.05);
}
.mini h3{margin:0 0 6px;font-size:14px}
.mini p{margin:0;color:var(--muted);font-size:13px;line-height:1.55}
.footer{
  margin-top:26px;
  padding:18px;
  border-top:1px solid var(--border);
  color:var(--muted);
  font-size:13px;
  display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;align-items:center;
}
.badgeRow{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}
.badge{
  font-size:12px;font-weight:800;color:var(--muted);
  border:1px solid var(--border);
  padding:8px 10px;border-radius:999px;background:#fff;
}
.hr{height:1px;background:var(--border);margin:16px 0}


/* Fintech micro-interactions */
@media (prefers-reduced-motion: no-preference){
  .fadeIn{animation: fadeIn var(--dur) var(--ease) both;}
  @keyframes fadeIn{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:translateY(0)}}
}
.toast{
  position:fixed;left:50%;bottom:86px;transform:translateX(-50%);
  background:rgba(11,15,25,.92);color:#fff;
  padding:12px 14px;border-radius:999px;
  font-size:13px;font-weight:800;letter-spacing:-.01em;
  box-shadow: 0 18px 50px rgba(11,15,25,.22);
  max-width:min(560px, calc(100vw - 28px));
  z-index:50;
}
.toast a{color:#fff;text-decoration:underline}
.cookieBar{
  position:fixed;left:14px;right:14px;bottom:14px;
  background:rgba(255,255,255,.88);backdrop-filter: blur(14px);
  border:1px solid var(--border);border-radius:var(--r-xl);
  box-shadow:var(--shadow);
  padding:14px;z-index:60;
}
.cookieRow{display:flex;gap:10px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cookieText{color:var(--muted);font-size:13px;line-height:1.5;max-width:72ch}