:root{--bg:#fbf9f4;--pap:#fff;--ink:#0b2545;--mut:#4b5d78;--em:#13a06f;--gold:#e9ab2a;--gold2:#fff1cf;--ln:rgba(11,37,69,.13);--r:18px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:17px/1.78 'Manrope',system-ui,sans-serif;color:var(--ink);background:var(--bg);overflow-x:hidden}
h1,h2,h3{font-family:'DM Serif Display',Georgia,serif;font-weight:400;line-height:1.12;margin:0 0 .5em;letter-spacing:-.01em}h1{font-size:clamp(2.4rem,6vw,4.6rem)}h2{font-size:clamp(1.7rem,3.4vw,2.5rem);margin-top:1.5em}h3{font-size:1.3rem;margin-top:1.2em}
a{color:var(--em);text-underline-offset:3px}p{margin:0 0 1.05em;color:var(--mut)}
.wrap{max-width:1160px;margin:auto;padding:0 24px}.narrow{max-width:780px}.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
#pg{position:fixed;left:0;top:0;height:4px;width:0;background:linear-gradient(90deg,var(--em),var(--gold));z-index:100}
.topbar{background:var(--ink);color:#cfe0f5;font-size:.82rem;overflow:hidden;white-space:nowrap}.topbar div{display:inline-flex;gap:50px;padding:8px 0;animation:mq 38s linear infinite}.topbar span{font-weight:700}.topbar b{color:var(--gold);margin-right:8px}@keyframes mq{to{transform:translateX(-50%)}}
.hd{position:sticky;top:0;z-index:60;background:rgba(251,249,244,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--ln)}.hdi{display:flex;align-items:center;justify-content:space-between;height:70px}
.logo{display:flex;align-items:center;gap:10px;font:400 1.55rem 'DM Serif Display',serif;color:var(--ink);text-decoration:none}.logo b{color:var(--em);font-weight:400}.logo img{transition:transform .5s}.logo:hover img{transform:rotate(-8deg) scale(1.1)}
.nv{display:flex;gap:6px;align-items:center}.nv a{color:var(--ink);text-decoration:none;padding:8px 14px;font-weight:700;font-size:.93rem;background:linear-gradient(var(--gold),var(--gold)) 14px calc(100% - 4px)/0 3px no-repeat;transition:background-size .3s}.nv a:not(.btn):hover{background-size:calc(100% - 28px) 3px}
.nv a.btn{background:var(--ink);padding:9px 16px;margin-left:6px}.nv a.btn:hover{background:var(--ink)}
.bg{display:none;background:none;border:0;color:var(--ink);cursor:pointer}
.btn{display:inline-block;background:var(--ink);color:#fff!important;font-weight:800;padding:14px 26px;border-radius:12px;text-decoration:none;position:relative;overflow:hidden;transition:transform .25s,box-shadow .25s;box-shadow:0 8px 0 -2px #06162b}.btn:hover{transform:translateY(3px);box-shadow:0 4px 0 -2px #06162b}.btn.sm{padding:9px 16px;box-shadow:none}.btn.gold{background:var(--gold);color:var(--ink)!important;box-shadow:0 8px 0 -2px #b9821a}.btn.gold:hover{box-shadow:0 4px 0 -2px #b9821a}.btn.ghost{background:transparent;color:var(--ink)!important;box-shadow:inset 0 0 0 2px var(--ink)}.btn.ghost:hover{background:var(--ink);color:#fff!important}
.hero{padding:70px 0 40px;position:relative;overflow:hidden}.hg{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.eyebrow{font-weight:800;letter-spacing:.14em;text-transform:uppercase;font-size:.78rem;color:var(--em);display:flex;align-items:center;gap:10px;margin-bottom:18px}.eyebrow:before{content:"";width:34px;height:3px;background:var(--gold);animation:gr 1.2s both}@keyframes gr{from{width:0}}
.mk{background:linear-gradient(var(--gold2),var(--gold2)) 0 88%/0 .5em no-repeat;animation:mk 1s .8s forwards;padding:0 .08em}@keyframes mk{to{background-size:100% .5em}}
.hero h1{margin-bottom:.4em}.lead{font-size:1.2rem;max-width:600px}.bt{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}
.fx{opacity:0;transform:translateY(24px);animation:fx .9s forwards}.d1{animation-delay:.1s}.d2{animation-delay:.25s}.d3{animation-delay:.4s}.d4{animation-delay:.55s}@keyframes fx{to{opacity:1;transform:none}}
.chart{background:var(--pap);border:1px solid var(--ln);border-radius:26px;padding:26px;box-shadow:0 36px 60px -34px rgba(11,37,69,.45);position:relative}
.chart h3{margin:0;font-size:1.1rem}.chart small{color:var(--mut);font-weight:700}.chart svg{width:100%;height:auto;display:block;margin-top:10px;overflow:visible}
.ln{fill:none;stroke:var(--em);stroke-width:4;stroke-linecap:round;stroke-dasharray:900;stroke-dashoffset:900;animation:dw 3s .4s cubic-bezier(.3,.7,.2,1) forwards}.ar{fill:url(#ag);opacity:0;animation:fi 1.4s 2s forwards}.ln2{fill:none;stroke:#b6c3d6;stroke-width:3;stroke-dasharray:6 7;stroke-dashoffset:900;animation:dw 3s .2s forwards}@keyframes dw{to{stroke-dashoffset:0}}@keyframes fi{to{opacity:1}}
.dot{fill:var(--gold);stroke:#fff;stroke-width:4;opacity:0;animation:fi .3s 3.2s forwards,pl 1.8s 3.4s infinite}@keyframes pl{50%{r:11}}
.kp{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:14px}.kp div{background:#f3f6fb;border-radius:12px;padding:10px 12px}.kp b{display:block;font:400 1.4rem 'DM Serif Display',serif}.kp span{font-size:.75rem;color:var(--mut);font-weight:700}
.tags{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}.tags span{border:1px solid var(--ln);background:#fff;border-radius:99px;padding:5px 14px;font-weight:700;font-size:.85rem}
.sec{padding:80px 0}.alt{background:#f1ede3}.tit{display:flex;justify-content:space-between;align-items:end;gap:20px;flex-wrap:wrap}
.tl{margin-top:26px;counter-reset:t}.tr{display:grid;grid-template-columns:70px 1.1fr 1.4fr 40px;gap:20px;align-items:center;padding:24px 14px;border-top:1px solid var(--ink);text-decoration:none;color:var(--ink);position:relative;transition:padding .35s,color .35s;overflow:hidden;z-index:0}.tr:last-child{border-bottom:1px solid var(--ink)}
.tr:before{content:"";position:absolute;inset:0;background:var(--ink);transform:scaleY(0);transform-origin:bottom;transition:transform .4s cubic-bezier(.2,.8,.2,1);z-index:-1}.tr:hover{color:#fff;padding-left:28px}.tr:hover:before{transform:none}.tr:hover p{color:#c4d3e8}.tr:hover .n{color:var(--gold)}
.tr .n{font:400 2rem 'DM Serif Display',serif;color:var(--em);transition:color .3s}.tr h3{margin:0;font-size:1.45rem}.tr p{margin:0;font-size:.95rem;transition:color .3s}.tr i{font-style:normal;font-size:1.5rem;transition:transform .3s}.tr:hover i{transform:translateX(8px)}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:20px;margin-top:28px}
.card{display:block;background:var(--pap);border:1px solid var(--ln);border-radius:var(--r);padding:0;text-decoration:none;color:var(--ink);overflow:hidden;transition:transform .35s,box-shadow .35s}.card .cb{padding:22px 24px 26px}
.card .th{height:92px;position:relative;overflow:hidden;background:linear-gradient(120deg,var(--ink),#1c4778)}.card .th:after{content:"";position:absolute;width:140px;height:140px;border-radius:50%;background:var(--gold);opacity:.9;right:-30px;top:-50px;transition:transform .6s}.card .th span{position:absolute;left:20px;bottom:12px;color:#fff;font-weight:800;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;z-index:2}
a.card:hover{transform:translateY(-8px);box-shadow:0 30px 46px -28px rgba(11,37,69,.5)}a.card:hover .th:after{transform:scale(1.5) translate(-10px,10px)}
.card h3{margin:0 0 8px;font-size:1.25rem}.card p{margin:0;font-size:.97rem}.card em{display:block;margin-top:12px;font-style:normal;font-weight:800;font-size:.85rem;color:var(--em)}
.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:28px}.tt{border-left:4px solid var(--gold);padding:4px 0 4px 20px}.tt h3{margin:0 0 6px;font-size:1.25rem}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.st b{display:block;font:400 clamp(2.4rem,5vw,3.6rem) 'DM Serif Display',serif;color:var(--em)}.st span{font-weight:700;color:var(--mut)}
.rv{opacity:0;transform:translateY(30px);transition:opacity .8s,transform .8s cubic-bezier(.2,.8,.2,1)}.rv.in{opacity:1;transform:none}
.cta{background:var(--ink);color:#fff;border-radius:26px;padding:60px 28px;text-align:center;position:relative;overflow:hidden}.cta h2{color:#fff;margin-top:0}.cta p{color:#c4d3e8;max-width:540px;margin:0 auto 26px}.cta:before{content:"$ £ € C$ A$";position:absolute;left:0;top:14px;font:400 5rem 'DM Serif Display',serif;color:rgba(255,255,255,.06);white-space:nowrap;animation:sl 24s linear infinite}@keyframes sl{from{transform:translateX(0)}to{transform:translateX(-45%)}}.cta>*{position:relative}
.ph{padding:66px 0 10px}.crumb{font-size:.9rem;margin-bottom:12px;color:var(--mut);font-weight:700}
.art h2{border-bottom:2px solid var(--gold2);padding-bottom:6px}.art p,.art li{color:#2c415f}.art>p:first-of-type:first-letter{font:400 4rem/.9 'DM Serif Display',serif;float:left;margin:6px 10px 0 0;color:var(--em)}
.meta{display:flex;gap:14px;flex-wrap:wrap;font-weight:700;font-size:.9rem;color:var(--mut);margin-top:14px}.meta span{background:#fff;border:1px solid var(--ln);border-radius:99px;padding:3px 14px}
details{background:#fff;border:1px solid var(--ln);border-radius:14px;padding:4px 22px;margin:10px 0}summary{cursor:pointer;font-weight:800;padding:14px 0;list-style:none;display:flex;justify-content:space-between}summary:after{content:"+";font:400 1.7rem/1 'DM Serif Display';color:var(--em);transition:transform .3s}details[open] summary:after{transform:rotate(45deg)}
.by{display:flex;gap:14px;align-items:center;background:var(--gold2);border-radius:16px;padding:18px 22px;margin-top:34px;color:var(--ink)}.by:before{content:"MU";display:grid;place-items:center;width:48px;height:48px;border-radius:50%;background:var(--ink);color:var(--gold);font-weight:800;flex:none}
.dis{font-size:.88rem;background:#fff;border-left:4px solid var(--gold);padding:10px 14px;border-radius:8px}
#tool{display:grid;grid-template-columns:1fr 1fr;gap:26px;margin:26px 0;align-items:start}#tool>div:first-child{display:grid;gap:14px;background:#fff;border:1px solid var(--ln);border-radius:var(--r);padding:24px}
label{display:grid;gap:6px;font-weight:800;font-size:.9rem}input,select{width:100%;padding:13px 15px;border-radius:10px;border:2px solid var(--ln);background:#fdfcf9;font:inherit;color:var(--ink);transition:border-color .25s,box-shadow .25s}input:focus,select:focus{outline:0;border-color:var(--em);box-shadow:0 0 0 4px rgba(19,160,111,.16)}
.res{background:var(--ink);color:#fff;border-radius:var(--r);padding:28px;position:sticky;top:96px;overflow:hidden}.res:before{content:"";position:absolute;width:200px;height:200px;border-radius:50%;background:var(--gold);opacity:.14;right:-60px;top:-70px}.res small{color:#9db4d3;font-weight:800;text-transform:uppercase;letter-spacing:.1em;font-size:.72rem;position:relative}.res .big{display:block;font:400 2.9rem 'DM Serif Display',serif;color:var(--gold);margin-bottom:12px;animation:pp .45s;position:relative}@keyframes pp{from{transform:translateY(10px);opacity:.3}}
.r{display:flex;justify-content:space-between;gap:10px;padding:10px 0;border-top:1px solid rgba(255,255,255,.15);position:relative}.r span{color:#b8cae3}.note{margin:14px 0 0;color:#ffd78a;font-size:.9rem;position:relative}
.ft{background:var(--ink);color:#c4d3e8;padding:64px 0 26px;margin-top:40px}.ft p{color:#9db4d3;font-size:.95rem}.ft a{color:#e7eefb;text-decoration:none;display:block;padding:4px 0;font-weight:600}.ft a:hover{color:var(--gold)}.ft .logo{color:#fff}.ft .logo b{color:var(--gold)}.ft h3{color:#fff;font:800 .85rem 'Manrope';letter-spacing:.12em;text-transform:uppercase;margin-top:0}
.fg{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:34px}.cp{border-top:1px solid rgba(255,255,255,.15);margin-top:34px;padding-top:18px;font-size:.85rem;color:#8ea5c6}
@media(max-width:860px){.hg,#tool,.trust{grid-template-columns:1fr}.stats{grid-template-columns:1fr 1fr}.tr{grid-template-columns:50px 1fr 30px}.tr p{display:none}.fg{grid-template-columns:1fr 1fr}.res{position:static}.bg{display:block}.nv{display:none;position:absolute;top:70px;left:0;right:0;background:var(--bg);flex-direction:column;padding:14px;border-bottom:1px solid var(--ln);align-items:stretch}.nv.open{display:flex}.cta{padding:40px 22px}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.rv,.fx{opacity:1;transform:none}.ln,.ln2{stroke-dashoffset:0}.ar,.dot{opacity:1}.mk{background-size:100% .5em}}