:root{--blue:#0757C6;--blue-d:#063F95;--cyan:#00C9F2;--gold:#FFB627;--turq:#10BFAE;--ice:#F4F8FD;--ink:#0B1630;--text:#3F4A63;--muted:#6B7690;--line:#E3EBF6;--up:#16A34A;--down:#E11D48;--r:16px;--sh:0 10px 30px rgba(7,87,198,.10)}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{font-family:"Plus Jakarta Sans",system-ui,sans-serif;color:var(--text);background:#fff;line-height:1.6;font-size:15px}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none}
h1,h2,h3,h4{color:var(--ink);line-height:1.2;font-weight:800}
.container{width:min(1140px,100% - 32px);margin-inline:auto}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:700;border-radius:10px;padding:11px 20px;border:0;cursor:pointer;font:inherit;font-weight:700}
.btn-primary{background:linear-gradient(90deg,var(--blue),#0A8BE8);color:#fff;box-shadow:0 8px 18px rgba(7,87,198,.28)}
.btn-primary:hover{filter:brightness(1.08)}
.btn-block{width:100%}
.muted{color:var(--muted);font-size:13px}
.kicker{font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);margin-bottom:6px}
.kicker::first-letter{color:var(--gold)}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid rgba(227,235,246,.7)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;height:72px;gap:20px}
.brand img{width:190px;height:auto}
.main-nav{display:flex;align-items:center;gap:36px;flex:1;justify-content:flex-end}
.main-nav ul{display:flex;gap:26px;list-style:none;margin-right:auto;margin-left:40px}
.main-nav ul a{color:#33405C;font-size:14px;font-weight:500;padding:24px 0;border-bottom:2px solid transparent}
.main-nav ul a.active,.main-nav ul a:hover{color:var(--blue);font-weight:700;border-color:var(--blue)}
.nav-cta{padding:10px 18px;font-size:14px}
.nav-toggle{display:none;background:none;border:0;width:40px;height:40px;cursor:pointer}
.nav-toggle span{display:block;height:2px;background:var(--ink);margin:6px 8px;border-radius:2px}

/* hero */
.hero{position:relative;overflow:hidden;padding:40px 0 70px;background:linear-gradient(180deg,#EAF4FF 0%,#F6FBFF 60%,#fff 100%)}
.hero-sky{position:absolute;inset:0;background:radial-gradient(ellipse at 70% 10%,rgba(0,201,242,.18),transparent 55%),radial-gradient(ellipse at 10% 90%,rgba(7,87,198,.08),transparent 50%);pointer-events:none}
.hero::after{content:"";position:absolute;left:-5%;right:-5%;bottom:-40px;height:90px;background:#fff;border-radius:50% 50% 0 0/100% 100% 0 0}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.15fr .8fr 1fr;gap:10px;align-items:center}
.eyebrow{font-size:14px;color:var(--text);margin-bottom:14px;padding-left:10px;border-left:3px solid var(--blue)}
.eyebrow span{color:var(--blue);font-weight:800;letter-spacing:.06em}
.hero h1{font-size:clamp(34px,4.4vw,52px);letter-spacing:-.02em;margin-bottom:16px}
.grad{display:block;background:linear-gradient(90deg,var(--blue),#1E88F0);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero .lead{font-size:16px;max-width:470px;margin-bottom:26px}
.badges{list-style:none;display:flex;flex-wrap:wrap;gap:10px}
.badges li{display:flex;align-items:center;gap:10px;background:#fff;border-radius:14px;padding:10px 14px 10px 10px;font-size:12px;font-weight:600;color:var(--ink);line-height:1.3;box-shadow:var(--sh)}
.ic{width:34px;height:34px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--cyan));display:grid;place-items:center;flex:none}
.ic svg{width:18px;height:18px;fill:#fff}
.hero-visual img{width:100%;max-width:300px;margin:auto;-webkit-mask-image:radial-gradient(ellipse 70% 60% at 50% 50%,#000 60%,transparent 100%);mask-image:radial-gradient(ellipse 70% 60% at 50% 50%,#000 60%,transparent 100%)}
.converter-card{background:#fff;border-radius:20px;padding:24px;box-shadow:0 20px 50px rgba(7,87,198,.16);border:1px solid var(--line)}
.converter-card h2{font-size:18px}
.converter-card label,.swap-row span{display:block;font-size:13px;font-weight:600;color:var(--ink);margin:14px 0 6px}
.converter-card select,.amt,.calc-box select,.calc-box input{width:100%;border:1px solid var(--line);border-radius:10px;padding:12px;font:inherit;font-weight:700;color:var(--ink);background:#fff}
.converter-card select:focus,.amt:focus-within,.calc-box input:focus,.calc-box select:focus{outline:2px solid var(--cyan);border-color:transparent}
.swap-row{display:flex;justify-content:space-between;align-items:flex-end}
.swap-row button{background:none;border:0;color:var(--blue);font-size:18px;cursor:pointer;font-weight:800}
.amt{display:flex;align-items:center;padding:0 12px}
.amt input{border:0;outline:0;flex:1;font:inherit;font-weight:600;padding:12px 0;min-width:0;color:var(--ink)}
.amt span{font-size:13px;color:var(--muted);font-weight:600}
.result{background:var(--ice);border-radius:12px;padding:14px;margin:16px 0;display:grid;grid-template-columns:1fr auto;row-gap:2px}
.result small{color:var(--muted);font-size:12px}
.result strong{grid-column:1/-1;font-size:22px;color:var(--ink)}
.chg{font-size:12px;font-weight:700}
.chg.up{color:var(--up)}.chg.down{color:var(--down)}

/* sections */
.section{padding:56px 0}
.section h2{font-size:clamp(24px,2.6vw,30px);margin-bottom:24px}
.sec-head{display:flex;justify-content:space-between;align-items:flex-end;gap:12px}
.more{font-size:14px;font-weight:600;margin-bottom:26px;white-space:nowrap}
.rate-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.rate-card{border:1px solid var(--line);border-radius:var(--r);padding:18px;background:#fff;box-shadow:0 4px 14px rgba(7,87,198,.05);transition:.2s}
.rate-card:hover{transform:translateY(-3px);box-shadow:var(--sh)}
.rc-top{display:flex;gap:12px;align-items:center;margin-bottom:18px}
.flag{border-radius:50%;box-shadow:0 0 0 1px var(--line);flex:none}
.rc-top h3{font-size:16px}.rc-top small{font-size:11px;color:var(--muted)}
.rc-bot{display:flex;justify-content:space-between;align-items:flex-end;gap:8px}
.rc-bot strong{display:block;font-size:24px;color:var(--ink)}
.spark{width:90px;height:36px}
.table-wrap{margin-top:28px;overflow-x:auto;border:1px solid var(--line);border-radius:var(--r)}
.rate-table{width:100%;border-collapse:collapse;font-size:14px;min-width:560px}
.rate-table th{background:var(--ice);text-align:left;padding:12px 16px;color:var(--ink);font-size:13px}
.rate-table td{padding:12px 16px;border-top:1px solid var(--line)}
.rate-table td:nth-child(n+3){font-variant-numeric:tabular-nums}
.note{font-size:12px;color:var(--muted);padding:10px 16px}

.why-wrap{padding:20px 0}
.why{background:linear-gradient(90deg,#EAF4FF,#F4F9FF);border-radius:24px;padding:36px;display:grid;grid-template-columns:1fr 2.2fr;gap:30px;align-items:center}
.why h2{font-size:22px;margin:0}
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;text-align:center}
.why-grid h3{font-size:15px;margin:12px 0 4px}.why-grid p{font-size:13px}
.ic-lg{width:56px;height:56px;border-radius:50%;background:#fff;display:grid;place-items:center;margin:auto;box-shadow:var(--sh)}
.ic-lg svg{width:26px;height:26px;fill:var(--blue)}

.steps{list-style:none;display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:s}
.steps li{position:relative;display:flex;gap:16px;align-items:center}
.steps li:not(:last-child)::after{content:"→";position:absolute;right:-6px;top:50%;transform:translateY(-50%);color:#9CC3F0;font-size:22px}
.steps b{position:absolute;left:-6px;top:-6px;width:28px;height:28px;border-radius:50%;background:var(--blue);color:#fff;display:grid;place-items:center;font-size:13px;z-index:1}
.ic-xl{width:80px;height:80px;border-radius:50%;background:#E6F1FF;display:grid;place-items:center;flex:none}
.ic-xl svg{width:36px;height:36px;fill:var(--blue)}
.steps h3{font-size:15px}.steps p{font-size:13px}
.calc{margin-top:40px;display:grid;grid-template-columns:1fr 1.1fr;gap:30px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:24px;padding:30px;box-shadow:var(--sh)}
.calc-text h3{font-size:22px;margin-bottom:10px}.calc-text p{margin-bottom:10px}
.calc-box{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.calc-row label{display:block;font-size:12px;font-weight:600;color:var(--ink);margin-bottom:6px}
.calc-out{grid-column:1/-1;display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.calc-out div{background:var(--ice);border-radius:12px;padding:12px}
.calc-out div:last-child{background:#FFF6E0}
.calc-out small{display:block;font-size:11px;color:var(--muted)}
.calc-out strong{font-size:15px;color:var(--ink)}

.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.post{border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:#fff;padding:10px;transition:.2s}
.post:hover{box-shadow:var(--sh)}
.post img{border-radius:12px;aspect-ratio:582/184;object-fit:cover;width:100%}
.post-body{padding:14px 8px 6px}
.post h3{font-size:16px;margin-bottom:6px}.post p{font-size:13px}
details summary{cursor:pointer;color:var(--blue);font-weight:700;font-size:14px;margin-top:10px;list-style:none}
details summary::-webkit-details-marker{display:none}
details[open] p{margin-top:8px}
.seo-text{margin-top:48px;max-width:860px}
.seo-text h2{font-size:22px;margin-bottom:12px}.seo-text p{margin-bottom:12px}
.faq{margin-top:36px;max-width:860px}
.faq h2{font-size:22px;margin-bottom:14px}
.faq details{border:1px solid var(--line);border-radius:12px;padding:12px 16px;margin-bottom:10px}
.faq summary{color:var(--ink);margin:0}

/* footer */
.site-footer{background:linear-gradient(180deg,#F4F8FD,#EAF3FF);margin-top:30px;padding-top:44px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.2fr;gap:30px}
.f-brand img{width:190px;margin-bottom:10px}
.f-slogan{font-size:13px;margin-bottom:6px}
.site-footer p{font-size:13px}
.site-footer h4{font-size:14px;margin-bottom:10px}
.site-footer ul{list-style:none}.site-footer li{margin-bottom:6px}
.site-footer li a{color:var(--text);font-size:13px}.site-footer li a:hover{color:var(--blue)}
.socials{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:10px}
.socials a{width:34px;height:34px;border-radius:50%;background:#fff;color:var(--ink);display:grid;place-items:center;box-shadow:0 3px 10px rgba(7,87,198,.1)}
.socials a:hover{background:var(--blue);color:#fff}
.f-bottom{display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap;border-top:1px solid var(--line);margin-top:30px;padding:16px 0;font-size:12px;color:var(--muted)}

/* inner pages */
.page-hero{background:linear-gradient(180deg,#EAF4FF,#fff);padding:46px 0 30px}
.page-hero h1{font-size:clamp(28px,3.5vw,40px);margin:8px 0}
.crumbs{font-size:13px;color:var(--muted)}
.page-grid{display:grid;grid-template-columns:1fr 300px;gap:40px;padding:20px 0 50px}
.narrow{max-width:820px;padding:20px 0 50px}
.content h2{font-size:22px;margin:26px 0 10px}.content h3{font-size:17px;margin:18px 0 8px}
.content p,.content ul{margin-bottom:12px}.content ul{padding-left:20px}
.side-box{border:1px solid var(--line);border-radius:var(--r);padding:20px;margin-bottom:18px}
.side-box h3{font-size:16px;margin-bottom:8px}.side-box p{font-size:13px;margin-bottom:12px}
.side-box ul{list-style:none}.side-box li{padding:6px 0;border-bottom:1px dashed var(--line)}
.list{display:grid;gap:12px}.list-item{display:block;border:1px solid var(--line);border-radius:12px;padding:14px;color:var(--text)}

/* responsive */
@media(max-width:1024px){
 .hero-grid{grid-template-columns:1fr 1fr}.hero-visual{display:none}
 .rate-grid{grid-template-columns:repeat(2,1fr)}
 .why{grid-template-columns:1fr}.calc{grid-template-columns:1fr}
 .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:860px){
 .nav-toggle{display:block}
 .main-nav{position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 16px 18px;gap:12px;border-bottom:1px solid var(--line);display:none}
 .main-nav.open{display:flex}
 .main-nav ul{flex-direction:column;margin:0;gap:0}
 .main-nav ul a{display:block;padding:12px 0;border:0;border-bottom:1px solid var(--line)}
 .hero-grid{grid-template-columns:1fr}
 .why-grid,.steps{grid-template-columns:1fr 1fr}.steps li::after{display:none}
 .post-grid{grid-template-columns:1fr}
 .page-grid{grid-template-columns:1fr}
}
@media(max-width:560px){
 .brand img{width:150px}
 .rate-grid,.why-grid,.steps,.footer-grid{grid-template-columns:1fr}
 .calc-box,.calc-out{grid-template-columns:1fr}
 .sec-head{flex-direction:column;align-items:flex-start}.more{margin-bottom:16px}
 .why,.calc{padding:22px}
}