:root{--ink:#111;--red:#c8102e;--paper:#fbfaf8;--line:#e4e0da;--soft:#f3f1ed;--mute:#55504a}
*{box-sizing:border-box}html{scroll-padding-top:80px}body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--paper);padding-bottom:70px}
h1,h2,h3{font-family:"Iowan Old Style",Palatino,"Palatino Linotype",Georgia,serif;line-height:1.15;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,5.2vw,3.3rem)}h2{font-size:clamp(1.5rem,3.2vw,2.1rem)}h3{font-size:1.2rem}
p{margin:0 0 1em;max-width:66ch}a{color:var(--red)}mark{background:#fff0b3;padding:0 3px}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}section{padding:64px 0}.soft{background:var(--soft)}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:10px;z-index:99}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:30;padding-top:env(safe-area-inset-top,0)}
.bar{display:flex;align-items:center;justify-content:space-between;min-height:68px;position:relative}
header nav ul{list-style:none;display:flex;gap:2px;margin:0;padding:0;align-items:center}header nav a{display:block;padding:10px 13px;color:var(--ink);text-decoration:none;font-weight:500}header nav a:hover{color:var(--red)}
#mb{display:none;background:#fff;border:1px solid var(--ink);border-radius:4px;padding:10px 14px;font:inherit;min-height:44px}
.btn{display:inline-block;background:var(--red);color:#fff;border:2px solid var(--red);padding:13px 24px;border-radius:4px;font:600 1rem system-ui;text-decoration:none;cursor:pointer;min-height:46px}
.btn:hover{background:#a50d26;border-color:#a50d26}.btn.alt{background:#fff;color:var(--ink);border-color:var(--ink)}.btn.alt:hover{background:var(--ink);color:#fff}.btn.sm{padding:9px 16px;min-height:40px;color:#fff}.btn.sm:hover{color:#fff}
:focus-visible{outline:3px solid #1a5fd0;outline-offset:2px}
.hero,.sh{background:linear-gradient(180deg,#fff,var(--paper));padding:64px 0 56px;border-bottom:1px solid var(--line)}
.hg{display:grid;grid-template-columns:1.25fr 1fr;gap:48px;align-items:start}.lead{font-size:1.2rem;color:var(--mute)}
.btns{display:flex;gap:12px;flex-wrap:wrap;margin:22px 0}.tick{list-style:none;padding:0;margin:8px 0 0;color:var(--mute);font-size:.97rem}.tick li{padding-left:26px;position:relative;margin:4px 0}.tick li:before{content:"";position:absolute;left:3px;top:.55em;width:10px;height:6px;border-left:2px solid var(--red);border-bottom:2px solid var(--red);transform:rotate(-45deg)}
.enq{background:#fff;border:1px solid var(--line);border-top:4px solid var(--red);border-radius:4px;padding:24px;display:grid;gap:12px;box-shadow:0 12px 30px rgba(17,17,17,.07)}
.fh{font:700 1.3rem Georgia,serif;margin:0}.fs{margin:0;color:var(--mute);font-size:.95rem}
.enq label{display:block;font-weight:600;font-size:.92rem}.enq input,.enq select,.enq textarea{width:100%;margin-top:4px;padding:12px;border:1px solid #8a847c;border-radius:4px;font:1rem system-ui;background:#fff;color:var(--ink)}
.chk{display:flex;gap:10px;align-items:flex-start}.chk input{width:22px;height:22px;margin:3px 0 0}.chk label{font-weight:400}.hp{position:absolute;left:-9999px}
.err{color:#a4161a;font-size:.9rem}.ok{background:#eef7ee;border:1px solid #2e7d32;padding:16px;border-radius:4px}
.strip{background:var(--ink);color:#fff;padding:28px 0}.sg{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.sg b{display:block;color:#ff6b81}.sg span{color:#d8d4ce;font-size:.95rem}
.sub{color:var(--mute)}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:20px;margin-top:24px}
.card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:4px;padding:26px;color:var(--ink);text-decoration:none}
.card:hover{border-color:var(--red)}.card p{color:var(--mute);font-size:.97rem}.more{margin-top:auto;color:var(--red);font-weight:600}
.ic{display:inline-grid;place-items:center;width:48px;height:48px;background:#fbe9ec;color:var(--red);border-radius:4px;margin-bottom:14px}.ic.big{width:60px;height:60px}
.steps{list-style:none;counter-reset:s;padding:0;display:grid;gap:16px;max-width:760px}.steps li{counter-increment:s;position:relative;padding-left:54px}.steps li:before{content:counter(s);position:absolute;left:0;top:-2px;width:38px;height:38px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font-weight:600}
.two{display:grid;grid-template-columns:1fr 1fr;gap:48px}.chips{display:flex;gap:8px;flex-wrap:wrap}.chips span{border:1px solid var(--ink);border-radius:99px;padding:5px 14px;font-size:.93rem}
details{border-bottom:1px solid var(--line);padding:14px 0;max-width:780px}summary{cursor:pointer;font-weight:600;min-height:28px}details p{margin:10px 0 0}
.final{background:var(--ink);color:#fff;text-align:center}.final h2{color:#fff}.final p{margin-inline:auto}
.prose{max-width:820px}.prose h2{margin-top:1.6em}.prose li{margin:.4em 0}.rel a{margin-right:16px}
.roles{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line);background:#fff;border-radius:4px;margin:28px 0}.roles div{padding:18px 20px}.roles div+div{border-left:1px solid var(--line)}.roles b{display:block;color:var(--red)}.roles span{color:var(--mute);font-size:.95rem}
.note{background:#fff7e0;border-left:4px solid #d9a400;padding:14px 18px;border-radius:4px;font-size:.93rem}
.crumb{padding-top:18px;font-size:.9rem;color:var(--mute)}.crumb a{color:var(--mute)}
footer{background:#0d0d0d;color:#cfcac3;padding:48px 0 24px;font-size:.93rem}footer a,footer button{color:#fff}footer h3{color:#fff;font-family:system-ui;font-size:1rem}footer ul{list-style:none;padding:0;margin:0}footer li{margin:7px 0}footer button{background:none;border:0;text-decoration:underline;padding:0;font:inherit;cursor:pointer}
.fg{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}.legal{border-top:1px solid #333;margin-top:28px;padding-top:18px;font-size:.85rem}
.mbar{display:none}#ck{display:none;position:fixed;left:0;right:0;bottom:0;background:#fff;border-top:3px solid var(--red);padding:16px 20px calc(16px + env(safe-area-inset-bottom,0));z-index:60;font-size:.93rem;justify-content:space-between;gap:16px;flex-wrap:wrap;align-items:center}#ck p{margin:0;flex:1 1 320px}
@media(max-width:860px){#mb{display:block}header nav ul{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:8px 20px 16px}header nav ul.open{display:flex}.hg,.two,.sg,.roles,.fg{grid-template-columns:1fr}.roles div+div{border-left:0;border-top:1px solid var(--line)}section{padding:44px 0}.hero,.sh{padding:40px 0}
.mbar{display:grid;grid-template-columns:1fr 1fr;gap:8px;position:fixed;left:0;right:0;bottom:0;background:#fff;border-top:1px solid var(--line);padding:8px 12px calc(8px + env(safe-area-inset-bottom,0));z-index:40}.mbar .btn{text-align:center;padding:11px}}
@media(prefers-reduced-motion:no-preference){.card,.btn{transition:border-color .15s,background .15s}}

.logo{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink)}.logo img{border-radius:7px;display:block}
.wm{font:700 1.15rem/1.05 "Iowan Old Style",Palatino,Georgia,serif}.wm small{display:block;font:600 .66rem system-ui;letter-spacing:.24em;color:var(--red);margin-top:3px}
.flogo{color:#fff;margin-bottom:14px}.flogo .wm small{color:#ff6b81}
.final{background:#000 url(/assets/logo-mark.jpg) no-repeat right 6% center/240px}
.cat{display:inline-block;font-size:.85rem;font-weight:600;color:var(--red);margin-bottom:8px}.meta{color:var(--mute);font-size:.9rem}
.prose p,.prose li{font-size:1.06rem}.prose ul{padding-left:1.2em}
@media(max-width:860px){.final{background-image:none}}

.crumb{display:block}.crumb a{display:inline;padding:0}
.hero,.sh,.final{position:relative;overflow:hidden}.fx{position:absolute;inset:0;width:100%;height:100%;pointer-events:none;z-index:0}.hero>.wrap,.sh>.wrap,.final>.wrap{position:relative;z-index:1}.final{background:#000}
.enq fieldset{border:0;padding:0;margin:0;display:grid;gap:12px}.enq legend{font-weight:700;padding:0;margin-bottom:10px}.enq fieldset[hidden]{display:none}
.prog{height:4px;background:var(--line);border-radius:2px;overflow:hidden}.prog i{display:block;height:100%;width:33%;background:var(--red);transition:width .25s}
.opts{display:grid;grid-template-columns:1fr 1fr;gap:8px}.opt{position:relative}.enq .opt input{position:absolute;opacity:0;width:1px;height:1px;margin:0;padding:0;border:0}
.opt span{display:block;border:1px solid #8a847c;border-radius:4px;padding:13px 12px;font-weight:600;font-size:.92rem;cursor:pointer;background:#fff;min-height:46px}.opt input:checked+span{border-color:var(--red);background:#fbe9ec;box-shadow:inset 0 0 0 1px var(--red)}.opt input:focus-visible+span{outline:3px solid #1a5fd0;outline-offset:2px}
.fnav{display:flex;gap:10px}.fnav .btn{flex:1}.fnav .bk{flex:0 0 auto}
.wa{position:fixed;right:16px;bottom:20px;width:56px;height:56px;border-radius:50%;background:#25d366;display:grid;place-items:center;z-index:45;box-shadow:0 6px 18px rgba(0,0,0,.25)}
.rvs{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:24px 0}.rv{margin:0;background:#fff;border:1px solid var(--line);border-left:4px solid var(--red);padding:22px;border-radius:4px}
.rv blockquote{margin:0 0 12px;font-family:Georgia,serif;font-size:1.08rem}.rv figcaption{color:var(--mute);font-size:.92rem}
.pl{list-style:none;display:flex;flex-wrap:wrap;gap:12px;padding:0}.pl li{border:1px solid var(--line);background:#fff;border-radius:4px;padding:14px 24px;min-height:58px;display:grid;place-items:center;font-weight:600}.pl img{max-height:36px;width:auto}
@media(max-width:860px){.wa{bottom:84px}}
@media(max-width:420px){.opts{grid-template-columns:1fr}}

/* ===== Design v2: bold brand-red hero, vector star, editorial type ===== */
:root{--red:#c8102e;--deep:#8f0b21;--rose:#fdf0f2;--paper:#fff;--soft:#fdf0f2;--line:#ecdfe2;--mute:#5a5256}
body{background:#fff;font-family:"Segoe UI Variable Text","Segoe UI",system-ui,-apple-system,Roboto,sans-serif}
h1,h2,h3,.wm,.fh,.stp legend,.rv blockquote{font-family:"Segoe UI Variable Display","Segoe UI",system-ui,-apple-system,Roboto,sans-serif}
h1,h2,h3{font-weight:800;letter-spacing:-.025em;line-height:1.08}
h1{font-size:clamp(2.2rem,5.6vw,3.9rem)}h2{font-size:clamp(1.7rem,3.6vw,2.5rem)}
.wm{font-weight:800;letter-spacing:-.01em}.logo img{border-radius:0;height:auto}
header{border-bottom:3px solid var(--red)}
.btn{border-radius:10px;font-weight:700}
.hero,.sh{background:linear-gradient(135deg,#d3122f 0%,#a30d25 100%);color:#fff;border:0;padding:76px 0 84px}
.hero::before,.sh::before,.final::before{content:"";position:absolute;right:-70px;top:-50px;width:640px;height:640px;background:url(/assets/star-white.svg) no-repeat center/contain;opacity:.1;pointer-events:none}
.final::before{right:auto;left:-120px;top:-180px;width:520px;height:520px}
.hero h1,.sh h1{color:#fff}.hero .lead,.sh .lead{color:rgba(255,255,255,.92)}
.hero .btns .btn,.sh .btns .btn{background:#fff;color:var(--red);border-color:#fff}.hero .btns .btn:hover,.sh .btns .btn:hover{background:#ffe9ed}
.hero .btns .btn.alt{background:transparent;color:#fff;border-color:#fff}.hero .btns .btn.alt:hover{background:rgba(255,255,255,.16)}
.hero .tick{color:rgba(255,255,255,.95)}.hero .tick li:before{border-color:#fff}
.sh .ic.big{background:rgba(255,255,255,.2);color:#fff}
.enq{color:var(--ink);border:0;border-radius:18px;box-shadow:0 28px 70px rgba(60,0,10,.4)}
.strip{background:#111;padding:34px 0}.sg b{font-size:1.1rem;color:#ff8a9b;margin-bottom:4px}
.soft{background:var(--rose)}
section h2::after{content:"";display:block;width:52px;height:4px;background:var(--red);margin-top:14px;border-radius:2px}
.prose h2::after,.final h2::after,.hs h2::after,.two h2::after{display:none}.final h2::after{display:block;margin-inline:auto;background:#fff}
.card{border-radius:18px;padding:30px;border:1px solid var(--line)}.card:hover{border-color:var(--red);box-shadow:0 18px 40px rgba(143,11,33,.13)}
.ic{background:var(--red);color:#fff;border-radius:14px;width:54px;height:54px}.ic.big{width:64px;height:64px}
.more{font-weight:700}.cat{font-weight:700}
.hs{max-width:none;grid-template-columns:repeat(4,1fr);gap:20px}
.hs li{background:#fff;border:1px solid var(--line);border-radius:18px;padding:70px 22px 24px}
.hs li:before{display:block;left:22px;top:18px;width:auto;height:auto;background:none;color:var(--red);font:800 2.8rem/1 "Segoe UI Variable Display","Segoe UI",system-ui,sans-serif;border-radius:0}
.chips span{border-color:var(--red);color:var(--red);font-weight:600;background:#fff}
.final{background:linear-gradient(135deg,#c8102e,#8f0b21);color:#fff}
.final .btn{background:#fff;color:var(--red);border-color:#fff}.final .btn:hover{background:#ffe9ed}
footer{background:#0b0b0b;border-top:4px solid var(--red)}.flogo .wm small{color:#ff8a9b}
.rv,.rev,.pl li{border-radius:18px}
@media(prefers-reduced-motion:no-preference){.card{transition:transform .2s,box-shadow .2s,border-color .2s}.card:hover{transform:translateY(-4px)}}
@media(max-width:1000px){.hs{grid-template-columns:1fr 1fr}}
@media(max-width:860px){.hs{grid-template-columns:1fr}.hero,.sh{padding:48px 0 52px}.hero::before,.sh::before{width:380px;height:380px;right:-120px;top:-60px}.final::before{display:none}}

[hidden]{display:none!important}

.hero h1,.sh h1{font-size:clamp(2rem,4.4vw,3.15rem);line-height:1.1}
/* v3 tools */
.tool{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:0 14px 40px rgba(143,11,33,.08);max-width:900px}
.tin{display:grid;grid-template-columns:1fr 1fr;gap:18px 24px;margin-bottom:22px}.tool label{display:block;font-weight:600;font-size:.95rem}
.tool input[type=number],.tool input[type=date]{width:100%;margin-top:6px;padding:12px;border:1px solid #8a847c;border-radius:8px;font:1rem system-ui}
.tool input[type=range]{width:100%;margin-top:10px;accent-color:var(--red)}.tool label b{color:var(--red)}
.tout{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin-bottom:14px}
.tout div{background:var(--rose);border-radius:12px;padding:16px}.tout span{display:block;font-size:.85rem;color:var(--mute)}.tout b{font:800 1.5rem "Segoe UI Variable Display","Segoe UI",system-ui,sans-serif;color:var(--ink)}
.fine{font-size:.88rem;color:var(--mute);max-width:760px}.eout{font-weight:600;margin:0 0 18px}
.ck{list-style:none;padding:0}.ck li{padding-left:30px;position:relative;margin:.55em 0}.ck li:before{content:"";position:absolute;left:3px;top:.45em;width:12px;height:7px;border-left:3px solid var(--red);border-bottom:3px solid var(--red);transform:rotate(-45deg)}
.cmpw{overflow-x:auto}.cmp{border-collapse:collapse;width:100%;background:#fff;font-size:.95rem}.cmp th,.cmp td{border:1px solid var(--line);padding:12px 14px;text-align:left;vertical-align:top}.cmp tr:first-child th{background:#111;color:#fff}.cmp th[scope],.cmp tr th:first-child{font-weight:700}
.pick{border:1px solid var(--line);border-radius:14px;padding:16px 20px;display:grid;gap:8px;background:#fff;max-width:620px;margin:20px 0 8px}.pick legend{font-weight:700;padding:0 6px}.pick label{display:flex;gap:10px;align-items:center;min-height:36px}.pick input{width:20px;height:20px;accent-color:var(--red)}
.pickout{font-weight:600;min-height:1.6em}
.tgal{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px;margin:20px 0}
.tcard{background:#fff;border:2px solid var(--line);border-radius:18px;padding:20px;text-align:center}.tcard svg{width:100%;max-width:190px;height:auto;margin-bottom:8px}.tcard p{margin-inline:auto;color:var(--mute);font-size:.95rem}.tcard.hl{border-color:var(--red);box-shadow:0 14px 36px rgba(200,16,46,.2)}
@media(max-width:700px){.tin{grid-template-columns:1fr}}
/* ===== Theme v4: premium light fintech, navy anchors, brand red accent ===== */
:root{--ink:#0b1b3a;--navy:#0b1b3a;--navy2:#13294f;--text:#1d2b45;--mute:#56627a;--line:#e3e8f1;--soft:#f5f7fb;--rose:#f5f7fb}
body{color:var(--text)}
h1,h2,h3{color:var(--navy)}
header{background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.hero,.sh{background:radial-gradient(900px 420px at 88% -10%,rgba(200,16,46,.09),transparent 60%),linear-gradient(180deg,#fff,#f5f7fb);color:var(--text);border-bottom:1px solid var(--line);padding:72px 0 80px}
.hero::before,.sh::before{background-image:url(/assets/star.svg);opacity:.06}
.hero h1,.sh h1{color:var(--navy)}.hero .lead,.sh .lead{color:var(--mute)}
.hero .btns .btn,.sh .btns .btn{background:var(--red);color:#fff;border-color:var(--red)}.hero .btns .btn:hover,.sh .btns .btn:hover{background:#a50d26;border-color:#a50d26}
.hero .btns .btn.alt,.sh .btns .btn.alt{background:#fff;color:var(--navy);border-color:var(--navy)}.hero .btns .btn.alt:hover{background:var(--navy);color:#fff}
.hero .tick{color:var(--mute)}.hero .tick li:before{border-color:var(--red)}
.sh .ic.big{background:#fdecef;color:var(--red)}
.enq{border:1px solid var(--line);border-top:4px solid var(--red);box-shadow:0 30px 70px rgba(11,27,58,.14)}
.strip{background:var(--navy)}.sg{grid-template-columns:repeat(4,1fr)}.sg b{color:#fff}.sg span{color:#b9c4da}
.soft{background:var(--soft)}
.ic{background:#fdecef;color:var(--red)}
.card:hover{box-shadow:0 18px 40px rgba(11,27,58,.12)}
.chips span{border-color:var(--navy);color:var(--navy)}
.cmp tr:first-child th{background:var(--navy)}
.tool{box-shadow:0 14px 40px rgba(11,27,58,.08)}.tout div{background:var(--soft)}
.sumbox{background:var(--soft);border-radius:12px;padding:16px;margin-bottom:14px}.sumbox p{margin:6px 0 0}
.final{background:linear-gradient(135deg,#0b1b3a,#13294f);color:#fff}.final .btn{background:var(--red);color:#fff;border-color:var(--red)}.final .btn:hover{background:#a50d26}
footer{background:#08142b}.flogo .wm small{color:#ff8a9b}
.finder{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;margin-top:22px}
.finder a{display:flex;flex-direction:column;gap:6px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px;text-decoration:none;color:var(--navy);font-weight:700}
.finder a svg{color:var(--red);margin-bottom:6px}.finder small{font-weight:400;color:var(--mute)}.finder a:hover{border-color:var(--red);box-shadow:0 14px 34px rgba(11,27,58,.1)}
.tph{width:100%;max-width:220px;height:auto;border-radius:12px;object-fit:cover}
@media(max-width:1000px){.finder{grid-template-columns:repeat(2,1fr)}.sg{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.finder,.sg{grid-template-columns:1fr}}