:root{
  --bg: #f8fafc;
  --ink:#0f172a;
  --muted:#64748b;
  --blue:#1d4ed8;
  --blue-700:#1e40af;
  --card:#ffffff;
  --border:#e2e8f0;
  --green-bg:#f0fdf4;
  --red-bg:#fff1f2;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0;background:var(--bg);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Arial}
img{max-width:100%;height:auto}

.container{max-width:1120px;margin:0 auto;padding:24px}
.center{text-align:center}
h1{font-size:clamp(28px,4vw,48px);margin:0 0 8px 0;font-weight:800;line-height:1.1}
h2{font-size:clamp(22px,3vw,32px);margin:16px 0 0;font-weight:700}
.lead{color:#334155;font-size:clamp(16px,2vw,18px)}
.hero-list{max-width:680px;margin:18px auto 0;color:#374151}
.hero-item{display:flex;gap:10px;align-items:flex-start;margin:10px 0}
.hero-item .num{color:var(--blue-700);font-weight:800;font-size:20px;min-width:20px}

.card{background:var(--card);border:1px solid var(--border);border-radius:24px;padding:24px;box-shadow:0 20px 30px rgba(2,6,23,.06)}
.card h3{margin:0;text-align:center;font-size:clamp(20px,3vw,28px)}
.card p.small{margin:6px 0 0;text-align:center;color:var(--muted);font-size:14px}

.grid{display:grid;gap:16px}
.grid-2{grid-template-columns:1fr 1fr}
@media (max-width:640px){.grid-2{grid-template-columns:1fr}}

label.block{display:block}
.label-title{font-weight:700;margin-bottom:6px}
.input{width:100%;border:1px solid #cbd5e1;border-radius:16px;padding:12px 14px;font-size:16px}
.input[readonly]{background:#f1f5f9;border-color:#e2e8f0;box-shadow:inset 0 1px 0 rgba(15,23,42,.06)}
.btn{display:inline-block;text-align:center;width:100%;padding:14px 18px;background:var(--blue);color:#fff;border:none;border-radius:16px;font-weight:700;font-size:16px;cursor:pointer}
.btn:hover{filter:brightness(0.95)}

.stat-grid{display:grid;gap:16px;grid-template-columns:1fr 1fr}
@media (max-width:640px){.stat-grid{grid-template-columns:1fr}}
.stat{border:1px solid var(--border);border-radius:16px;padding:16px;background:#fbfdff}
.stat.red{background:var(--red-bg);}
.stat.green{background:var(--green-bg);}
.stat .k{color:var(--muted);font-size:14px}
.stat .v{margin-top:6px;font-size:clamp(20px,3vw,26px);font-weight:800}

.note{margin-top:12px;color:var(--muted);font-size:13px;text-align:center}
.lb-source{margin-top:8px;display:flex;align-items:center;justify-content:center;gap:8px;color:var(--muted);font-size:13px}
.lb-source img{height:22px}

.section{margin-top:64px;text-align:center}
.title-blue{color:var(--blue-700);font-weight:700;font-size:clamp(20px,3vw,28px)}

.banks{display:flex;flex-wrap:wrap;gap:20px;justify-content:center;align-items:center;margin-top:18px;opacity:.85}
.banks img{height:40px;object-fit:contain}

.steps{display:grid;gap:18px;grid-template-columns:1fr 1fr;margin-top:18px}
@media (max-width:768px){.steps{grid-template-columns:1fr}}
.step{background:#fff;border:1px solid var(--border);border-radius:16px;padding:18px}
.step .badge{width:40px;height:40px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:var(--blue-700);color:#fff;font-weight:800;margin:0 auto 8px}
.step p{margin:0;color:#374151}

/* Tooltip */
.tip{position:relative;display:inline-flex;align-items:center;gap:6px;color:var(--blue)}
.tip .bubble{display:none;position:absolute;right:0;top:28px;background:#0f172a;color:#fff;border-radius:8px;padding:8px 10px;font-size:12px;width:280px;z-index:5}
.tip:hover .bubble{display:block}

/* Modal */
.modal{position:fixed;inset:0;background:rgba(0,0,0,.4);display:none;align-items:center;justify-content:center;padding:16px;z-index:50}
.modal.open{display:flex}
.modal-card{background:#fff;border-radius:24px;box-shadow:0 20px 40px rgba(2,6,23,.2);padding:24px;max-width:520px;width:100%}
.modal-card h3{margin-top:0;text-align:center}

/* Fade-in transitions */
.fade{opacity:0;transform:translateY(18px);transition:opacity .5s ease, transform .5s ease}
.fade.show{opacity:1;transform:none}
.bg-grad{position:absolute;inset:0;background:linear-gradient(135deg,#eff6ff,white,#dbeafe);z-index:-1}
.wrapper{position:relative;overflow:hidden}