:root{--navy:#061a3a;--blue:#0b2f5f;--mid:#0b4b88;--gold:#f4c542;--text:#13243a;--muted:#5a6b7f;--bg:#f6f9fc;--white:#fff;--line:#dbe7f3;--shadow:0 24px 70px rgba(6,26,58,.14);--radius:22px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--text);background:var(--white);line-height:1.65}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}.container{width:min(1180px,92%);margin:auto}.topbar{background:var(--navy);color:#dceaff;font-size:.92rem}.topbar .container{display:flex;gap:18px;justify-content:space-between;padding:8px 0;flex-wrap:wrap}.site-header{position:sticky;top:0;background:rgba(255,255,255,.95);backdrop-filter:blur(14px);z-index:50;border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0}.brand{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--navy);font-size:1.15rem}.brand img{width:38px;height:38px}.menu{display:flex;align-items:center;gap:20px;font-weight:650}.menu a{color:#263d59}.menu a:hover{color:var(--mid)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:999px;background:var(--gold);color:#14213d;font-weight:800;padding:13px 20px;box-shadow:0 10px 24px rgba(244,197,66,.25);cursor:pointer}.btn.secondary{background:#edf4fb;color:var(--blue);box-shadow:none}.burger{display:none;background:transparent;border:0;width:42px;height:42px}.burger span{display:block;height:3px;background:var(--navy);margin:7px;border-radius:4px}.hero{background:linear-gradient(135deg,#061a3a 0%,#0b2f5f 58%,#0b4b88 100%);color:white;padding:86px 0 70px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}.eyebrow{display:inline-flex;gap:8px;align-items:center;padding:8px 12px;border:1px solid rgba(255,255,255,.22);border-radius:999px;background:rgba(255,255,255,.08);font-weight:700;color:#e9f3ff}.hero h1{font-size:clamp(2.2rem,5vw,4.8rem);line-height:1.04;margin:22px 0}.hero p{font-size:1.15rem;color:#dceaff;max-width:720px}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0}.trust-row{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:28px}.trust{padding:16px;border:1px solid rgba(255,255,255,.18);border-radius:18px;background:rgba(255,255,255,.08)}.trust strong{display:block;font-size:1.25rem;color:white}.hero-card{background:white;border-radius:30px;padding:18px;box-shadow:var(--shadow)}.section{padding:86px 0}.section.alt{background:var(--bg)}.section-head{max-width:820px;margin-bottom:34px}.section-head h2{font-size:clamp(1.9rem,3vw,3rem);line-height:1.15;color:var(--navy);margin:0 0 12px}.section-head p{color:var(--muted);font-size:1.08rem}.grid{display:grid;gap:22px}.grid.cards{grid-template-columns:repeat(3,1fr)}.card{background:white;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 10px 32px rgba(6,26,58,.06)}.card h3{color:var(--blue);margin-top:0}.badge{display:inline-block;background:#eaf3fc;color:var(--mid);font-weight:800;border-radius:999px;padding:6px 10px;font-size:.84rem}.split{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:center}.list{padding:0;margin:0;list-style:none}.list li{padding:12px 0 12px 34px;border-bottom:1px solid var(--line);position:relative}.list li:before{content:'✓';position:absolute;left:0;top:11px;color:var(--mid);font-weight:900}.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.post{overflow:hidden;padding:0}.post-body{padding:22px}.post img{height:180px;width:100%;object-fit:cover;background:#edf4fb}.calc{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}.field label{font-weight:750;color:var(--blue)}input,select,textarea{width:100%;border:1px solid #cbd9e8;border-radius:14px;padding:13px 14px;font:inherit;background:white}textarea{min-height:130px;resize:vertical}.result{background:var(--navy);color:white;border-radius:20px;padding:22px}.result strong{font-size:2rem;color:var(--gold)}.faq details{background:white;border:1px solid var(--line);border-radius:18px;padding:18px;margin-bottom:12px}.faq summary{font-weight:850;color:var(--blue);cursor:pointer}.author{display:grid;grid-template-columns:220px 1fr;gap:26px;align-items:center}.avatar{width:180px;height:180px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--mid));display:grid;place-items:center;color:white;font-size:4rem;font-weight:900}.contact-box{display:grid;grid-template-columns:.9fr 1.1fr;gap:28px}.footer{background:#04142d;color:#dceaff;padding:46px 0}.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:24px}.footer a{color:#dceaff}.small{font-size:.92rem;color:#6a7b90}.legal h1,.legal h2{color:var(--navy)}.legal{padding:70px 0}.toast{position:fixed;right:22px;bottom:22px;background:white;color:var(--text);border:1px solid var(--line);border-left:6px solid var(--gold);box-shadow:var(--shadow);padding:18px 18px 18px 54px;border-radius:18px;transform:translateY(130%);opacity:0;transition:.35s;z-index:100;max-width:380px}.toast.show{transform:translateY(0);opacity:1}.toast:before{content:'✓';position:absolute;left:18px;top:18px;width:24px;height:24px;border-radius:50%;background:var(--navy);color:white;display:grid;place-items:center;font-weight:900}.pill-row{display:flex;gap:10px;flex-wrap:wrap}.pill{border:1px solid var(--line);background:white;border-radius:999px;padding:8px 12px;color:var(--muted);font-weight:700}.cta{background:linear-gradient(135deg,var(--navy),var(--mid));color:white;border-radius:32px;padding:44px}.cta h2{color:white;margin-top:0}.cta p{color:#dceaff}@media(max-width:900px){.menu{position:fixed;inset:68px 0 auto 0;background:white;display:none;flex-direction:column;align-items:flex-start;padding:24px;width:100%;box-shadow:var(--shadow)}.menu.open{display:flex}.burger{display:block}.hero-grid,.split,.contact-box,.calc,.footer-grid,.author{grid-template-columns:1fr}.grid.cards,.blog-grid,.trust-row{grid-template-columns:1fr}.hero{padding-top:54px}.section{padding:58px 0}.hero-card{margin-top:10px}.topbar .container{justify-content:center}.author{gap:14px}.avatar{width:140px;height:140px;font-size:3rem}}
.hero-card img,.rounded-photo{border-radius:22px;width:100%;height:auto;object-fit:cover}.visual-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.visual-grid figure{margin:0;background:white;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:0 10px 32px rgba(6,26,58,.06)}.visual-grid img{width:100%;height:280px;object-fit:cover}.visual-grid figcaption{padding:16px 18px;font-weight:800;color:var(--blue)}@media(max-width:900px){.visual-grid{grid-template-columns:1fr}.visual-grid img{height:230px}}

/* Extra JavaScript animation states */
.scroll-progress{position:fixed;left:0;top:0;height:4px;width:0;background:linear-gradient(90deg,var(--gold),#fff2a8);z-index:9999;box-shadow:0 0 18px rgba(244,197,66,.45)}
.reveal{opacity:0;transform:translateY(28px) scale(.985);filter:blur(8px);transition:opacity .72s ease,transform .72s ease,filter .72s ease;transition-delay:var(--delay,0ms)}
.reveal.is-visible{opacity:1;transform:translateY(0) scale(1);filter:blur(0)}
.menu a{position:relative}.menu a:after{content:'';position:absolute;left:0;right:100%;bottom:-7px;height:2px;background:var(--gold);transition:right .25s ease}.menu a:hover:after,.menu a.active-link:after{right:0}.menu a.active-link{color:var(--navy)}
.burger span{transition:transform .28s ease,opacity .2s ease}.burger.active span:nth-child(1){transform:translateY(10px) rotate(45deg)}.burger.active span:nth-child(2){opacity:0}.burger.active span:nth-child(3){transform:translateY(-10px) rotate(-45deg)}.menu-lock{overflow:hidden}
.hero-card{position:relative;transition:transform .25s ease}.hero-card:after{content:'';position:absolute;inset:18px;border-radius:24px;background:radial-gradient(circle at 70% 20%,rgba(244,197,66,.2),transparent 38%);transform:translate(var(--mx,0),var(--my,0));pointer-events:none;transition:transform .2s ease}.hero-card img{position:relative;z-index:1}
.btn{transition:transform .2s ease,box-shadow .25s ease,filter .25s ease}.btn:hover{filter:saturate(1.08);box-shadow:0 14px 30px rgba(244,197,66,.32)}.card,.visual-grid figure,.post{transition:transform .28s ease,box-shadow .28s ease,border-color .28s ease}.card:hover,.visual-grid figure:hover{box-shadow:0 22px 55px rgba(6,26,58,.13);border-color:#c4d8ec}.pulse{animation:resultPulse .48s ease}@keyframes resultPulse{0%{transform:scale(1)}38%{transform:scale(1.07);color:#fff2a8}100%{transform:scale(1)}}
.faq details{transition:transform .22s ease,box-shadow .22s ease}.faq details.opened{animation:faqPop .5s ease}.faq details[open]{box-shadow:0 14px 34px rgba(6,26,58,.08)}@keyframes faqPop{0%{transform:scale(.985)}60%{transform:scale(1.012)}100%{transform:scale(1)}}
.toast.show{animation:toastPop .48s cubic-bezier(.2,1.4,.35,1)}@keyframes toastPop{0%{transform:translateY(130%) scale(.92);opacity:0}70%{transform:translateY(-8px) scale(1.02);opacity:1}100%{transform:translateY(0) scale(1);opacity:1}}
.cookie-banner{position:fixed;left:50%;bottom:22px;width:min(980px,calc(100% - 28px));display:grid;grid-template-columns:auto 1fr auto;gap:18px;align-items:center;background:rgba(255,255,255,.96);backdrop-filter:blur(18px);border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow);padding:18px;z-index:9998;opacity:0;transform:translate(-50%,120%);transition:opacity .38s ease,transform .38s ease}.cookie-banner.show{opacity:1;transform:translate(-50%,0)}.cookie-banner.hide{opacity:0;transform:translate(-50%,120%)}.cookie-icon{width:48px;height:48px;border-radius:16px;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-size:1.6rem;font-weight:900;animation:cookieGlow 2.4s ease-in-out infinite}.cookie-copy strong{display:block;color:var(--navy);font-size:1.08rem}.cookie-copy p{margin:4px 0 2px;color:var(--muted);line-height:1.45}.cookie-copy a{font-weight:800;color:var(--mid)}.cookie-actions{display:flex;gap:10px;flex-wrap:wrap;justify-content:flex-end}@keyframes cookieGlow{0%,100%{box-shadow:0 0 0 rgba(244,197,66,0)}50%{box-shadow:0 0 0 8px rgba(244,197,66,.14)}}
@media(max-width:900px){.cookie-banner{grid-template-columns:1fr;align-items:start}.cookie-actions{justify-content:stretch}.cookie-actions .btn{width:100%}.menu.open{animation:mobileMenu .28s ease}.menu a:after{display:none}@keyframes mobileMenu{0%{opacity:0;transform:translateY(-12px)}100%{opacity:1;transform:translateY(0)}}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{animation:none!important;transition:none!important;scroll-behavior:auto!important}.reveal{opacity:1;transform:none;filter:none}}


/* Modern Pinterest-inspired visual refresh */
:root{--ink:#07172f;--glass:rgba(255,255,255,.12);--glass-border:rgba(255,255,255,.22)}
body{background:linear-gradient(180deg,#ffffff 0%,#f7faff 42%,#ffffff 100%)}
.site-header{background:rgba(255,255,255,.82);box-shadow:0 10px 36px rgba(6,26,58,.06)}
.brand img{filter:drop-shadow(0 10px 18px rgba(6,26,58,.22))}.menu a{position:relative}.menu a:after{content:'';position:absolute;left:0;right:100%;bottom:-7px;height:2px;background:linear-gradient(90deg,var(--gold),#84b8ff);transition:right .25s ease}.menu a:hover:after,.menu a.active-link:after{right:0}
.hero-modern{position:relative;min-height:760px;display:flex;align-items:center;padding:118px 0 96px;background:#061a3a;isolation:isolate}.hero-bg{position:absolute;inset:0;background:linear-gradient(90deg,rgba(4,16,36,.95),rgba(6,26,58,.74) 42%,rgba(6,26,58,.35)),url('../img/hero-pinterest-finance.jpg') center/cover no-repeat;z-index:-3}.hero-modern:before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 14% 22%,rgba(244,197,66,.25),transparent 28%),radial-gradient(circle at 78% 30%,rgba(132,184,255,.25),transparent 34%),linear-gradient(180deg,transparent 78%,#fff 100%);z-index:-2}.hero-modern:after{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.055) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.055) 1px,transparent 1px);background-size:64px 64px;mask-image:linear-gradient(180deg,rgba(0,0,0,.85),transparent 82%);z-index:-1}.hero-orb{position:absolute;border-radius:999px;filter:blur(2px);opacity:.72;pointer-events:none}.orb-one{width:180px;height:180px;right:9%;top:16%;background:radial-gradient(circle,#f4c542,transparent 66%);animation:floatOrb 7s ease-in-out infinite}.orb-two{width:120px;height:120px;left:5%;bottom:14%;background:radial-gradient(circle,#65a9ff,transparent 68%);animation:floatOrb 8s ease-in-out infinite reverse}@keyframes floatOrb{0%,100%{transform:translate3d(0,0,0) scale(1)}50%{transform:translate3d(16px,-22px,0) scale(1.08)}}
.hero-copy{max-width:720px}.hero h1{letter-spacing:-.06em;text-wrap:balance}.hero p{font-size:1.2rem;line-height:1.75}.eyebrow{box-shadow:inset 0 1px 0 rgba(255,255,255,.18),0 18px 50px rgba(0,0,0,.12)}.hero-search{margin-top:24px;padding:16px 18px;border:1px solid var(--glass-border);border-radius:22px;background:rgba(255,255,255,.1);backdrop-filter:blur(18px);box-shadow:inset 0 1px 0 rgba(255,255,255,.12)}.hero-search span{display:block;color:#b9d3f2;font-weight:750;font-size:.9rem}.hero-search strong{display:block;color:white;margin-top:3px}.btn.glass{background:rgba(255,255,255,.12);color:#fff;border:1px solid rgba(255,255,255,.24);backdrop-filter:blur(14px)}.hero-panel{position:relative;border:1px solid rgba(255,255,255,.22);border-radius:34px;padding:24px;background:linear-gradient(145deg,rgba(255,255,255,.24),rgba(255,255,255,.08));backdrop-filter:blur(24px);box-shadow:0 30px 90px rgba(0,0,0,.25),inset 0 1px 0 rgba(255,255,255,.2);overflow:hidden}.hero-panel:before{content:'';position:absolute;inset:-80px -80px auto auto;width:220px;height:220px;background:radial-gradient(circle,rgba(244,197,66,.35),transparent 68%)}.mini-card{position:relative;border-radius:26px;padding:24px;background:rgba(255,255,255,.92);color:var(--navy);box-shadow:0 18px 48px rgba(0,0,0,.12)}.mini-card span,.mini-card em{display:block;color:#60748c;font-style:normal}.mini-card strong{font-size:3.4rem;letter-spacing:-.06em;line-height:1;color:var(--navy)}.mini-card em{margin-top:8px;color:#0b7a4b;font-weight:800}.mini-chart{height:190px;margin:22px 0;display:flex;align-items:end;gap:14px;padding:22px;border-radius:26px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18)}.mini-chart i{flex:1;border-radius:999px;background:linear-gradient(180deg,#f8df75,#f4c542 45%,#4f9fff);box-shadow:0 12px 24px rgba(0,0,0,.16);animation:barRise 1.1s ease both}.mini-chart i:nth-child(2){animation-delay:.08s}.mini-chart i:nth-child(3){animation-delay:.16s}.mini-chart i:nth-child(4){animation-delay:.24s}.mini-chart i:nth-child(5){animation-delay:.32s}.mini-chart i:nth-child(6){animation-delay:.4s}@keyframes barRise{from{height:3%;opacity:.3}to{opacity:1}}.mini-list{display:grid;gap:10px}.mini-list p{margin:0;padding:14px 16px;border-radius:18px;background:rgba(255,255,255,.9);color:var(--navy);display:flex;justify-content:space-between;gap:14px}.mini-list span{color:#60748c;text-align:right}.trust{backdrop-filter:blur(16px);box-shadow:inset 0 1px 0 rgba(255,255,255,.12)}.section{position:relative}.card,.visual-grid figure,.faq details,.contact-box form{border-color:rgba(203,217,232,.78);box-shadow:0 16px 46px rgba(6,26,58,.07)}.card{background:linear-gradient(180deg,#fff, #fbfdff)}.rounded-photo,.post img,.visual-grid img{filter:saturate(1.04) contrast(1.02)}.badge{background:linear-gradient(90deg,#eaf3fc,#fff8db);border:1px solid #dbe7f3}.footer{background:radial-gradient(circle at 20% 0%,rgba(244,197,66,.16),transparent 30%),linear-gradient(135deg,#04142d,#061a3a 70%,#092858)}
@media(max-width:900px){.hero-modern{min-height:auto;padding:72px 0 78px}.hero-bg{background-position:64% center}.hero-panel{margin-top:16px}.mini-card strong{font-size:2.6rem}.hero-search strong{font-size:.98rem}.mini-list p{display:block}.mini-list span{text-align:left;display:block}.menu a:after{display:none}}