:root,[data-theme=light]{
  --bg:#fbfcff; --surface:#ffffff; --surface-2:#f2f5fe; --glass:rgba(255,255,255,.72); --line:#dfe4f2;
  --ink:#0f1840; --ink-2:#46527a; --ink-3:#667092;
  --accent:#2f55bd; --gold-1:#f6e08f; --gold-2:#e4bb50; --gold-ink:#2a2003; --gold-text:#8a6410;
  --red:#b93a22; --risk-bg:#fff7f3; --risk-line:#f4d8cc;
  --blob-1:rgba(170,196,255,.55); --blob-2:rgba(214,196,255,.42); --blob-3:rgba(250,222,150,.42);
  --net:60,84,170; --shadow:0 14px 40px rgba(38,58,130,.09); --area:rgba(47,85,189,.09); --line-strong:#2f55bd;
  color-scheme:light;
}
[data-theme=dark]{
  --bg:#0a0f24; --surface:#121933; --surface-2:#0f1530; --glass:rgba(18,25,51,.74); --line:#29325a;
  --ink:#eef1fb; --ink-2:#b2bbd9; --ink-3:#8f99bb;
  --accent:#9db6ff; --gold-1:#f6e08f; --gold-2:#e4bb50; --gold-ink:#2a2003; --gold-text:#f0cf74;
  --red:#ff9f8a; --risk-bg:#1b1427; --risk-line:#44294a;
  --blob-1:rgba(62,92,190,.42); --blob-2:rgba(112,70,190,.30); --blob-3:rgba(170,128,40,.20);
  --net:170,190,255; --shadow:0 14px 40px rgba(0,0,0,.35); --area:rgba(157,182,255,.12); --line-strong:#9db6ff;
  color-scheme:dark;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:400 17px/1.6 "Fira Sans","Segoe UI",Arial,sans-serif;overflow-x:hidden;transition:background .25s,color .25s}
img,video{max-width:100%;height:auto;display:block}
a{color:var(--accent)}
h1,h2,h3{font-family:"Noto Serif",Georgia,serif;font-weight:400;line-height:1.14;margin:0}
h1{font-size:clamp(40px,5.4vw,68px);letter-spacing:-.01em}
h2{font-size:clamp(30px,3.8vw,48px);letter-spacing:-.005em}
h3{font-size:21px;font-weight:500}
p{margin:0}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:8px;background:var(--gold-2);color:var(--gold-ink);padding:8px 12px;z-index:30;border-radius:8px}
.skip:focus{left:8px}
:focus-visible{outline:2px solid var(--accent);outline-offset:2px}

.top{position:sticky;top:0;z-index:20;background:var(--glass);-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.top-in{display:flex;align-items:center;gap:24px;height:68px}
.brand{display:flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none;font:500 18px/1 "Noto Serif",Georgia,serif;white-space:nowrap}
.nav{display:flex;gap:20px;margin-left:auto}
.nav a{color:var(--ink-2);text-decoration:none;font-size:15px;white-space:nowrap}
.nav a:hover{color:var(--accent)}
.top-right{display:flex;align-items:center;gap:10px}
.theme{width:38px;height:38px;border-radius:50%;border:1px solid var(--line);background:var(--surface);color:var(--ink);display:grid;place-items:center;cursor:pointer;padding:0;transition:transform .2s}
.theme:hover{transform:rotate(18deg)}
.theme svg{width:19px;height:19px;display:block}
[data-theme=light] .i-sun,[data-theme=dark] .i-moon{display:none}
.lang{display:flex;border:1px solid var(--line);background:var(--surface);border-radius:999px;padding:3px}
.lang button{background:none;border:0;border-radius:999px;color:var(--ink-3);font:700 12.5px/1 "Fira Sans",Arial,sans-serif;padding:8px 10px;cursor:pointer}
.lang button[aria-pressed=true]{background:linear-gradient(135deg,var(--gold-1),var(--gold-2));color:var(--gold-ink)}

.btn{display:inline-block;background:linear-gradient(135deg,var(--gold-1),var(--gold-2));color:var(--gold-ink);font:500 16px/1.2 "Fira Sans",Arial,sans-serif;padding:15px 26px;text-decoration:none;border:1px solid transparent;border-radius:999px;text-align:center;transition:transform .15s,box-shadow .15s}
.btn:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(228,187,80,.34)}
.btn-ghost{background:var(--surface);color:var(--ink);border-color:var(--line)}
.btn-ghost:hover{box-shadow:var(--shadow)}
.btn-sm{padding:10px 15px;font-size:14px;white-space:nowrap}

.hero{position:relative;padding:72px 0 80px;overflow:hidden;isolation:isolate}
.hero::before{content:"";position:absolute;inset:0;z-index:-2;background:radial-gradient(44% 58% at 84% 20%,var(--blob-1),transparent 72%),radial-gradient(34% 46% at 46% 42%,var(--blob-2),transparent 72%),radial-gradient(42% 52% at 6% 92%,var(--blob-3),transparent 72%)}
#net{position:absolute;inset:0;width:100%;height:100%;z-index:-1;pointer-events:none}
.hero-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.02fr);gap:56px;align-items:center}
.eyebrow{color:var(--accent);font-size:14px;letter-spacing:.09em;text-transform:uppercase;margin-bottom:14px}
.lead{font-size:19px;line-height:1.6;color:var(--ink-2);margin-top:22px;max-width:34em}
.facts{list-style:none;padding:0;margin:22px 0 0;display:flex;flex-wrap:wrap;gap:8px}
.facts li{font-size:14.5px;padding:6px 13px;border:1px solid var(--line);background:var(--glass);border-radius:999px;color:var(--ink)}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.fine{color:var(--ink-3);font-size:14.5px;margin-top:18px}

.ladder{background:var(--glass);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border:1px solid var(--line);border-radius:24px;padding:26px;box-shadow:var(--shadow)}
.ladder-head{display:flex;justify-content:space-between;align-items:flex-end;gap:16px}
.ladder-head label{color:var(--ink-2);font-size:15px;line-height:1.35}
#bal-out{font:400 40px/1 "Noto Serif",Georgia,serif;color:var(--ink);font-variant-numeric:tabular-nums}
#bal-range{width:100%;margin:16px 0 4px;accent-color:var(--gold-2);height:28px;cursor:pointer}
.scale{display:flex;justify-content:space-between;color:var(--ink-3);font-size:13px}
.rungs{list-style:none;margin:14px 0 0;padding:0;display:flex;flex-direction:column;gap:7px}
.rung{display:grid;grid-template-columns:84px 1fr;gap:14px;padding:12px 14px;border:1px dashed var(--line);border-radius:14px;color:var(--ink-3);transition:color .2s,background .2s,border-color .2s}
.rung strong{display:block;font-weight:500;font-size:15.5px}
.rung span{font-size:14px;line-height:1.4;display:block;margin-top:1px}
.rung-key{font-weight:500;font-size:16px;line-height:1.25}
.rung.on{color:var(--ink);border:1px solid var(--gold-2);background:var(--surface)}
.rung.on .rung-key{color:var(--gold-text)}
.rung.on span{color:var(--ink-2)}
.ladder-foot{margin-top:14px}
.count{font-size:15px;color:var(--ink-2)}
.count b{color:var(--ink);font:400 25px/1 "Noto Serif",Georgia,serif}
.note{margin-top:6px;font-size:14.5px;color:var(--ink);min-height:4.2em;line-height:1.4}

.ticker{overflow:hidden;border-block:1px solid var(--line);background:var(--glass);padding:11px 0}
.ticker-track{display:flex;width:max-content;animation:ticker 46s linear infinite}
.ticker ul{list-style:none;display:flex;margin:0;padding:0}
.ticker li{font-size:14px;color:var(--ink-2);white-space:nowrap;padding:0 28px;position:relative}
.ticker li::after{content:"";position:absolute;right:-2px;top:50%;width:4px;height:4px;margin-top:-2px;border-radius:50%;background:var(--gold-2)}
@keyframes ticker{to{transform:translateX(-50%)}}

.section{padding:88px 0}
.section-alt{background:var(--surface-2)}
.section-lead{color:var(--ink-2);font-size:18px;margin-top:14px;max-width:44em}
.steps{list-style:none;padding:0;margin:40px 0 0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;counter-reset:s}
.steps li{background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:24px 22px;counter-increment:s;transition:transform .2s,box-shadow .2s}
.steps li:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.steps li::before{content:counter(s);display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:linear-gradient(135deg,var(--gold-1),var(--gold-2));color:var(--gold-ink);font-weight:500;margin-bottom:14px}
.steps p{color:var(--ink-2);margin-top:8px;font-size:15.5px}

.guards-grid{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:48px;align-items:start}
.guards{margin:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.guards div{background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:18px 20px}
.guards dt{font:400 36px/1 "Noto Serif",Georgia,serif;color:var(--accent)}
.guards dd{margin:7px 0 0;color:var(--ink-2);font-size:15px;line-height:1.35}

.stats{margin:36px 0 0;display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:12px}
.stats div{padding:16px 18px;background:var(--surface);border:1px solid var(--line);border-radius:18px}
.stats dt{color:var(--ink-3);font-size:14px;line-height:1.25;min-height:2.5em}
.stats dd{margin:6px 0 0;font:400 23px/1.1 "Noto Serif",Georgia,serif;font-variant-numeric:tabular-nums}
.stats small{display:block;font:400 14px/1.3 "Fira Sans",Arial,sans-serif;color:var(--red);margin-top:3px}
.stats .warn dd{color:var(--red)}

.chart-box{margin:14px 0 0;background:var(--surface);border:1px solid var(--line);border-radius:22px;padding:20px 22px}
.chart-box figcaption{display:flex;flex-wrap:wrap;justify-content:space-between;gap:8px 20px;font-weight:500}
.check{font-weight:400;color:var(--ink-2);display:flex;gap:8px;align-items:center;cursor:pointer;font-size:15px}
.check input{accent-color:var(--gold-2);width:17px;height:17px;margin:0}
.chart{position:relative;height:340px;margin-top:10px;touch-action:pan-y}
.chart svg{display:block;width:100%;height:100%}
.c-grid{stroke:var(--line)}
.c-label{fill:var(--ink-3);font-size:12px}
.c-area{fill:var(--area)}
.c-line{fill:none;stroke:var(--line-strong);stroke-width:2}
.c-mark{fill:var(--red)}
.c-mark-t{fill:var(--red);font-size:13px;font-weight:500}
.c-cross{stroke:var(--ink-3);stroke-dasharray:3 3}
.tip{position:absolute;pointer-events:none;background:var(--surface);border:1px solid var(--line);box-shadow:var(--shadow);border-radius:10px;padding:6px 10px;font-size:13.5px;line-height:1.3;white-space:nowrap;font-variant-numeric:tabular-nums;display:none}
.chart-note{color:var(--ink-2);font-size:15px;margin-top:8px}

.reports{display:grid;grid-template-columns:1.2fr repeat(2,minmax(0,1fr));gap:14px;margin-top:18px;align-items:start}
.reports p{color:var(--ink-2);font-size:15.5px}
.reports a{color:var(--ink-2);text-decoration:none;font-size:14.5px;display:block}
.reports a:hover{color:var(--accent)}
.reports img{height:92px;width:100%;object-fit:cover;object-position:top;border:1px solid var(--line);border-radius:12px;margin-bottom:5px;background:#fff}

.sub{font-size:clamp(26px,3vw,34px);margin-top:68px}
.tabs{display:inline-flex;gap:4px;margin-top:22px;padding:4px;border:1px solid var(--line);background:var(--surface);border-radius:999px}
.tabs button{background:none;border:0;border-radius:999px;color:var(--ink-2);font:500 15px/1 "Fira Sans",Arial,sans-serif;padding:10px 18px;cursor:pointer}
.tabs button[aria-selected=true]{background:linear-gradient(135deg,var(--gold-1),var(--gold-2));color:var(--gold-ink)}
.table-wrap{overflow-x:auto;margin-top:14px;background:var(--surface);border:1px solid var(--line);border-radius:18px}
table{width:100%;border-collapse:collapse;font-size:16px;font-variant-numeric:tabular-nums;min-width:560px}
th,td{text-align:left;padding:13px 16px;border-top:1px solid var(--line);white-space:nowrap}
thead th{border-top:0}
th{color:var(--ink-3);font-weight:400;font-size:14px}
.n{text-align:right}

.section-risk{background:var(--risk-bg);border-block:1px solid var(--risk-line)}
.risk-list{list-style:none;padding:0;margin:32px 0 0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px 44px}
.risk-list li{border-left:3px solid var(--red);padding-left:14px;color:var(--ink-2);font-size:16px}
.risk-list strong{color:var(--ink);display:block;margin-bottom:2px;font-weight:500}
.risk-end{margin-top:32px;font:400 23px/1.3 "Noto Serif",Georgia,serif;color:var(--red)}

.video-grid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:44px;align-items:center}
.video-grid .btn{margin-top:22px}
video{width:100%;border-radius:20px;background:#000;box-shadow:var(--shadow)}

.buy{display:flex;flex-wrap:wrap;gap:16px 28px;justify-content:space-between;align-items:center;margin-top:28px;padding:24px 28px;background:var(--surface);border:1px solid var(--gold-2);border-radius:22px}
.buy-name{font:400 24px/1.15 "Noto Serif",Georgia,serif}
.buy-name small{color:var(--ink-3);font:400 15px "Fira Sans",Arial,sans-serif;margin-left:4px}
.buy-price{color:var(--ink-2);font-size:15.5px;margin-top:5px}
.buy-price b{color:var(--ink);font:400 24px/1 "Noto Serif",Georgia,serif;margin-right:4px}

.faq-wrap{display:grid;grid-template-columns:minmax(0,.5fr) minmax(0,1.5fr);gap:40px;align-items:start}
.faq{display:flex;flex-direction:column;gap:9px}
.faq details{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:0 20px}
.faq summary{cursor:pointer;padding:15px 28px 15px 0;font-weight:500;font-size:17px;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:9px;color:var(--accent);font-size:25px;font-weight:300}
.faq details[open] summary::after{content:"\2212"}
.faq details p{color:var(--ink-2);padding:0 28px 17px 0}

.buy-new{color:var(--ink-2);font-size:14.5px;margin-top:8px;max-width:46em}
.gloss-box{grid-column:1/-1;margin-top:28px}
.gloss{margin:16px 0 0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}
.gloss div{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:15px 17px}
.gloss dt{font-weight:500;color:var(--ink)}
.gloss dd{margin:4px 0 0;color:var(--ink-2);font-size:14.5px;line-height:1.4}

.foot{padding:48px 0 56px;color:var(--ink-2);font-size:15.5px;border-top:1px solid var(--line)}
.foot-grid{display:grid;grid-template-columns:1fr 1fr 1.5fr;gap:32px}
.foot p{margin-bottom:6px}
.brand-foot{display:flex;gap:9px;align-items:center;color:var(--ink);font:500 17px/1 "Noto Serif",Georgia,serif;margin-bottom:12px!important}
.foot-h{color:var(--ink);font-weight:500}
.foot-risk{color:var(--ink-3);font-size:14.5px}

.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.reveal.seen{opacity:1;transform:none}

@media (max-width:1040px){
  .nav{display:none}
  .top-right{margin-left:auto}
  .hero-grid,.guards-grid,.video-grid,.faq-wrap{grid-template-columns:minmax(0,1fr)}
  .hero-grid{gap:40px}
  .faq-wrap,.guards-grid,.video-grid{gap:24px}
  .steps{grid-template-columns:repeat(2,minmax(0,1fr))}
  .stats{grid-template-columns:repeat(3,minmax(0,1fr))}
  .foot-grid{grid-template-columns:1fr 1fr}
  .gloss{grid-template-columns:repeat(2,minmax(0,1fr))}
  .foot-risk{grid-column:1/-1}
}
@media (max-width:640px){
  body{font-size:16.5px}
  .wrap{padding:0 16px}
  .top-in{gap:10px;height:62px}
  .brand span{display:none}
  .top-right{gap:7px}
  .btn-sm{padding:9px 12px;font-size:13.5px}
  .lang button{padding:7px 8px}
  .theme{width:35px;height:35px}
  .hero{padding:42px 0 52px}
  .lead{font-size:17.5px}
  .cta-row .btn{width:100%}
  .ladder{padding:16px;border-radius:20px}
  .ladder-head label{font-size:14.5px}
  #bal-out{font-size:34px}
  .rung{grid-template-columns:68px 1fr;gap:10px;padding:10px}
  .rung-key{font-size:15px}
  .note{min-height:5.6em}
  .section{padding:60px 0}
  .steps{grid-template-columns:minmax(0,1fr);margin-top:28px}
  .guards dt{font-size:30px}
  .guards div{padding:14px}
  .stats{grid-template-columns:repeat(2,minmax(0,1fr));gap:9px}
  .stats dt{min-height:0}
  .stats dd{font-size:21px}
  .chart-box{padding:14px;border-radius:18px}
  .chart{height:270px}
  .reports{grid-template-columns:repeat(2,minmax(0,1fr))}
  .reports p{grid-column:1/-1}
  .risk-list{grid-template-columns:minmax(0,1fr)}
  .buy{padding:20px}
  .buy .btn{width:100%}
  .foot-grid{grid-template-columns:minmax(0,1fr)}
  .gloss{grid-template-columns:minmax(0,1fr)}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{transition:none!important}
  .ticker-track{animation:none}
  .reveal{opacity:1;transform:none}
}