:root{--bg-white: #ffffff;--border: #F3F4F6;--shadow: rgba(0, 0, 0, .05);--text-slate: #374151;--text-blue: #04396D;--cta-bg: #FFB806;--container-max: 1280px;--container-pad: 32px;--header-h: 65px;--radius-8: 8px }*{box-sizing:border-box}html{scroll-behavior:smooth}html,body{margin:0;padding:0}body{font-family:Poppins,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--text-slate);background:var(--bg-white);transition:background-color .3s ease,color .3s ease}header.site-header{position:sticky;top:0;z-index:100;height:var(--header-h);background:#fff;border-bottom:1px solid var(--border);box-shadow:0 1px 2px var(--shadow);transition:box-shadow .3s ease,background .3s ease}header.site-header.scrolled{box-shadow:0 4px 12px #00000014}.container{max-width:var(--container-max);height:64px;margin:0 auto;padding:0 var(--container-pad);display:flex;align-items:center;justify-content:space-between}.left{display:flex;align-items:center;gap:16px;min-width:126px}.logo{display:block;height:49px;width:auto;transition:transform .3s ease,opacity .3s ease}.logo:hover{transform:scale(1.05);opacity:.9}.logo--invert{filter:brightness(0) invert(1)}nav.primary{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);height:24px}nav.primary ul{margin:0;padding:0;list-style:none;display:flex;align-items:center;gap:32px}nav.primary a{text-decoration:none;font-size:16px;line-height:24px;color:var(--text-slate);font-weight:500;position:relative;transition:color .3s ease}nav.primary a:after{content:"";position:absolute;bottom:-4px;left:0;width:0;height:2px;background:var(--text-blue);transition:width .3s cubic-bezier(.4,0,.2,1)}nav.primary a:hover:after{width:100%}nav.primary a:hover{color:var(--text-blue)}nav.primary a.fees{color:var(--text-blue);font-weight:600}.cta{display:inline-flex;align-items:center;justify-content:center;height:40px;min-width:135px;padding:0 16px;background:var(--cta-bg);color:var(--text-blue);border:none;border-radius:var(--radius-8);font-size:16px;font-weight:600;cursor:pointer;text-decoration:none;transition:all .3s cubic-bezier(.4,0,.2,1);will-change:transform,background-color}.cta:hover{background:#ffc735;transform:translateY(-2px);box-shadow:0 4px 12px #ffb8064d}.cta:active{transform:translateY(0);box-shadow:0 2px 6px #ffb80633}@media (max-width: 1024px){nav.primary{display:none}header.site-header .theme-toggle{display:inline-flex}header.site-header .container .cta:not(.mobile-cta){display:none}}.mobile-toggle{display:none;background:transparent;border:1px solid rgba(0,0,0,.1);color:#04396d;width:36px;height:36px;border-radius:6px;align-items:center;justify-content:center;cursor:pointer;transition:all .3s ease}.mobile-toggle:hover{background:#00000014;transform:scale(1.05)}.mobile-menu{position:fixed;top:0;right:0;bottom:0;left:0;z-index:50;display:flex;flex-direction:column;justify-content:flex-start;animation:fadeIn .3s ease}.mobile-menu-backdrop{position:absolute;top:0;right:0;bottom:0;left:0;background:#0006;animation:fadeIn .3s ease}.mobile-menu-panel{position:relative;margin:0;width:100%;max-width:100%;height:100%;max-height:100vh;background:#fff;display:flex;flex-direction:column;align-items:center;justify-content:center;padding:24px 20px;animation:slideInFromTop .4s cubic-bezier(.16,1,.3,1);border-radius:0;box-shadow:none;overflow-y:auto}@keyframes fadeIn{0%{opacity:0}to{opacity:1}}@keyframes slideInFromTop{0%{transform:translateY(-100%);opacity:0}to{transform:translateY(0);opacity:1}}.mobile-close{position:absolute;top:16px;right:16px;background:transparent;border:1px solid rgba(0,0,0,.1);width:32px;height:32px;border-radius:6px;color:#04396d;cursor:pointer;transition:all .3s ease;z-index:10;display:flex;align-items:center;justify-content:center}.mobile-close:hover{background:#00000014;transform:rotate(90deg) scale(1.1)}.mobile-nav{list-style:none;margin:0 auto 20px;padding:0;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:4px;width:100%;max-width:240px}.mobile-nav a{text-decoration:none;color:#374151;font-weight:600;padding:10px 16px;border-radius:8px;transition:all .3s ease;display:flex;align-items:center;justify-content:center;text-align:center;width:100%}.mobile-nav a:hover{background:#04396d14;color:#04396d;transform:scale(1.02)}.mobile-cta{width:auto;max-width:200px;margin:0 auto;display:block;background:#ffb806;color:#04396d;border:none;border-radius:12px;padding:12px 32px;font-weight:600;font-size:16px;cursor:pointer;transition:all .2s ease;box-shadow:none;text-align:center}.mobile-cta:hover{background:#ffc629;transform:scale(1.02)}.mobile-cta:active{transform:scale(.98)}@media (max-width: 1024px){.mobile-toggle{display:inline-flex}}:root[data-theme=dark] .mobile-toggle,:root[data-theme=dark] .mobile-close{border-color:#fff3;color:#e5e7eb}:root[data-theme=dark] .mobile-toggle:hover,:root[data-theme=dark] .mobile-close:hover{background:#ffffff14}:root[data-theme=dark] .mobile-menu-panel{background:#0f172a}:root[data-theme=dark] .mobile-nav a{color:#cbd5e1}@font-face{font-family:Gilroy;src:url(/assets/Gilroy-Light-C8UWcMrY.ttf) format("truetype");font-weight:300;font-style:normal;font-display:swap}@font-face{font-family:Gilroy;src:url(/assets/Gilroy-Regular-D5UFgeCU.ttf) format("truetype");font-weight:400;font-style:normal;font-display:swap}@font-face{font-family:Gilroy;src:url(/assets/Gilroy-Medium-C0ynlvWK.ttf) format("truetype");font-weight:500;font-style:normal;font-display:swap}@font-face{font-family:Gilroy;src:url(/assets/Gilroy-Bold-CInumVHz.ttf) format("truetype");font-weight:700;font-style:normal;font-display:swap}@font-face{font-family:Gilroy;src:url(/assets/Gilroy-Heavy-DW6tzkNr.ttf) format("truetype");font-weight:900;font-style:normal;font-display:swap}.hero{position:relative;background:#fff}.hero-container{max-width:1280px;margin:0 auto;padding:80px 32px}.hero-inner{display:grid;grid-template-columns:584px 1fr;gap:39px;align-items:start}.hero-left{width:584px}.hero-title{margin:0 0 24px;color:#04396d;font-weight:700;font-size:56px;line-height:1.2;letter-spacing:-.01em;animation:fadeUp 1s ease-out both}h1,h2,h3,h4,h5,h6,.hero-title{font-family:Gilroy,Poppins,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif}.hero-subtitle{margin:0 0 32px;max-width:584px;color:#4b5563;font-size:20px;line-height:1.6;animation:fadeUp 1s ease-out both .2s}@media (max-width: 1200px){.hero-subtitle{max-width:100%;margin-left:auto;margin-right:auto}}.hero-badge{display:flex;align-items:center;height:32px;gap:16px;animation:fadeUp 1s ease-out both .4s}.badge-text{color:#374151;font-weight:600;font-size:16px;line-height:24px}.hero-right{width:450px;margin-left:auto;margin-top:-60px}.hero-illustration{position:relative;background:#ffffff1a;border-radius:24px;padding:16px}.hero-img{display:block;width:100%;max-width:400px;height:auto;object-fit:cover;border-radius:20px;animation:fadeUp 1s ease-out both .4s,floatY 12s ease-in-out infinite 1.6s;will-change:transform,opacity}@media (max-width: 1024px) and (min-width: 769px){.hero-container{padding:64px 32px}.hero-inner{grid-template-columns:1fr 1fr;gap:24px;align-items:center}.hero-left{width:100%;max-width:none}.hero-title{font-size:42px;margin-bottom:20px}.hero-subtitle{font-size:18px;max-width:100%;margin-bottom:24px}.hero-right{width:100%;margin-top:0;display:flex;justify-content:center}.hero-illustration{width:100%;max-width:350px}.hero-img{max-width:100%}}@media (max-width: 768px){.hero-inner{grid-template-columns:1fr;gap:24px}.hero-left,.hero-right{width:auto}.hero-left{text-align:center}.hero-badge{justify-content:center}.hero-img{height:auto}}@media (max-width: 900px){.calc-row{grid-template-columns:1fr}}@media (max-width: 768px){.hero-container{padding:56px 20px}.hero-left{text-align:center}.hero-badge{justify-content:center}.hero-title{font-size:36px}.hero-subtitle{font-size:16px}.hero-right{display:none}.hero-inner{gap:24px}.fees-container,.rates-container,.referrals-container,.cta-container{padding:0 20px}.rates-grid{grid-template-columns:1fr}}@media (max-width: 520px){.calc-results{grid-template-columns:1fr}.calc-container{padding:0 20px}.hero-title{font-size:30px}}@keyframes fadeUp{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}@keyframes floatY{0%{transform:translateY(0)}50%{transform:translateY(-4px)}to{transform:translateY(0)}}@media (prefers-reduced-motion: reduce){.hero-title,.hero-subtitle,.hero-badge,.hero-img{animation:none}}.reveal{opacity:0;transform:translateY(30px);transition:opacity .8s cubic-bezier(.16,1,.3,1),transform .8s cubic-bezier(.16,1,.3,1);will-change:opacity,transform}.reveal.in{opacity:1;transform:translateY(0)}@media (prefers-reduced-motion: reduce){.reveal{opacity:1;transform:none;transition:none}}.fees{background:#f9fafb;padding:80px 0;border-top:1px solid var(--border);transition:background-color .3s ease}.fees-container{max-width:1280px;margin:0 auto;padding:0 32px}.fees-header{margin:0 0 32px}.fees-title{margin:0;color:#04396d;font-weight:700;font-size:40px;line-height:1.28}.fees-subtitle{margin:8px 0 0;color:#4b5563;font-size:18px;line-height:1.6}.fees-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}.fee-card{background:#fff;border-radius:16px;border:1px solid #F3F4F6;box-shadow:0 10px 15px #0000001a,0 4px 6px #0000001a;padding:32px;transition:transform .4s cubic-bezier(.16,1,.3,1),box-shadow .4s cubic-bezier(.16,1,.3,1),border-color .3s ease;will-change:transform,box-shadow}.fee-card--primary{background:#04396d;color:#fff}.fee-card:hover{transform:translateY(-8px) scale(1.02);box-shadow:0 24px 32px #00000029,0 12px 16px #0000001f;border-color:#04396d33}@media (prefers-reduced-motion: reduce){.fee-card{transition:none}.fee-card:hover{transform:none}}.fee-card-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:24px}.fee-chip{display:inline-flex;align-items:center;justify-content:center;height:28px;padding:0 12px;border-radius:9999px;font-weight:600;font-size:14px;line-height:20px;color:#fff}.fee-chip--amber{background:#ffb806;color:#04396d}.fee-chip--blue{background:#04396d;color:#fff}.fee-card-title{margin:0 0 12px;color:#04396d;font-size:24px;font-weight:700;line-height:1.3}.fee-card-title--light{color:#fff}.fee-card-desc{margin:0 0 20px;color:#4b5563;font-size:16px;line-height:1.5}.fee-card-desc--light{color:#dbeafe}.fee-list{margin:0;padding-left:18px}.fee-list-item{color:#4b5563;margin:6px 0}.fee-list-item--light{color:#dbeafe}@media (max-width:1024px){.fees-grid{grid-template-columns:1fr}}.calc{background:#fff;padding:80px 0;border-top:1px solid var(--border);transition:background-color .3s ease}.calc-container{max-width:896px;margin:0 auto;padding:0 32px}.calc-header{margin:0 0 24px;text-align:center}.calc-title{margin:0;color:#04396d;font-size:40px;font-weight:700;line-height:1.28}.calc-subtitle{margin:8px 0 0;color:#4b5563;font-size:18px;line-height:1.6}.calc-card{background:#f9fafb;border:1px solid #E5E7EB;border-radius:16px;padding:32px}.calc-row{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.calc-field label{display:block;color:#374151;font-weight:600;margin-bottom:8px}.calc-input,.calc-select{width:100%;height:50px;border:1px solid #D1D5DB;border-radius:8px;padding:0 12px;font-size:16px;background:#fff;transition:all .3s cubic-bezier(.4,0,.2,1);outline:none}.calc-input:focus,.calc-select:focus{border-color:#04396d;box-shadow:0 0 0 3px #04396d1a;transform:translateY(-1px)}.calc-input:hover,.calc-select:hover{border-color:#9ca3af}.calc-actions{margin-top:24px;display:flex;justify-content:center}.calc-btn{height:48px;min-width:174px;padding:0 20px;border:none;border-radius:8px;background:#ffb806;color:#04396d;font-weight:700;cursor:pointer;transition:all .3s cubic-bezier(.4,0,.2,1);will-change:transform,background-color,box-shadow}.calc-btn:hover{background:#ffc735;transform:translateY(-2px);box-shadow:0 6px 16px #ffb80666}.calc-btn:active{transform:translateY(0);box-shadow:0 3px 8px #ffb8064d}.calc-btn--amount-width{width:calc((100% - 48px) / 3);max-width:100%}.calc-results{margin-top:24px;background:#fff;border:1px solid #F3F4F6;border-radius:12px;padding:24px;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.result-block{display:flex;flex-direction:column;gap:4px}.result-value{color:#04396d;font-size:20px;font-weight:700;transition:transform .3s ease,opacity .3s ease}.result-animate{animation:numberUpdate .4s ease-out}@keyframes numberUpdate{0%{transform:scale(1);opacity:1}50%{transform:scale(1.1);opacity:.8}to{transform:scale(1);opacity:1}}.result-label{color:#4b5563;font-size:14px}@media (max-width:900px){.calc-row{grid-template-columns:1fr}.calc-results{grid-template-columns:1fr 1fr}.calc-actions{justify-content:stretch}.calc-btn--amount-width{width:100%}}.referrals{background:#f9fafb;padding:80px 0;border-top:1px solid var(--border);transition:background-color .3s ease}.referrals-container{max-width:1280px;margin:0 auto;padding:0 32px}.referrals-header{margin:0 0 32px}.referrals-title{margin:0;color:#04396d;font-size:40px;font-weight:700;line-height:1.28}.referrals-subtitle{margin:8px 0 0;color:#4b5563;font-size:18px;line-height:1.6}.referrals-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}.ref-card{background:#fff;border:1px solid #F3F4F6;border-radius:16px;box-shadow:0 10px 15px #0000001a,0 4px 6px #0000001a;padding:24px;transition:transform .4s cubic-bezier(.16,1,.3,1),box-shadow .4s cubic-bezier(.16,1,.3,1),border-color .3s ease;will-change:transform,box-shadow}.ref-header{display:flex;align-items:center;gap:16px;margin-bottom:24px}.ref-avatar{width:48px;height:48px;border-radius:9999px;background:linear-gradient(135deg,#dbeafe,#bfdbfe);display:flex;align-items:center;justify-content:center;color:#04396d;font-weight:700}.ref-name{margin:0;color:#04396d;font-size:16px;font-weight:700;line-height:24px}.ref-handle{margin:0;color:#4b5563;font-size:14px;line-height:20px}.ref-link{margin:0 0 12px;background:#f9fafb;border-radius:8px;padding:12px 16px;color:#374151;font-size:14px}.ref-btn{width:100%;height:48px;border:none;border-radius:8px;background:#ffb806;color:#04396d;font-weight:700;cursor:pointer;transition:all .3s cubic-bezier(.4,0,.2,1);will-change:transform,background-color,box-shadow}.ref-btn:hover{background:#ffc735;transform:translateY(-2px);box-shadow:0 6px 16px #ffb80666}.ref-btn:active{transform:translateY(0);box-shadow:0 3px 8px #ffb8064d}.ref-card:hover{transform:translateY(-8px) scale(1.02);box-shadow:0 24px 32px #00000029,0 12px 16px #0000001f;border-color:#04396d33}@media (prefers-reduced-motion: reduce){.ref-card{transition:none}.ref-card:hover{transform:none}}@media (max-width:1024px){.referrals-grid{grid-template-columns:1fr}}.rates{background:#fff;padding:64px 0;border-top:1px solid var(--border);transition:background-color .3s ease}.rates-container{max-width:896px;margin:0 auto;padding:0 32px}.rates-card{background:#04396d;color:#fff;border-radius:16px;padding:32px}.rates-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:24px}.rates-title{margin:0;font-size:24px;font-weight:700}.rates-refresh{background:transparent;border:none;color:#ffb806;cursor:pointer;width:32px;height:32px;display:inline-flex;align-items:center;justify-content:center;border-radius:6px;transition:all .3s cubic-bezier(.4,0,.2,1)}.rates-refresh:hover{background:#ffffff1f;transform:rotate(180deg)}.rates-refresh:active{transform:rotate(180deg) scale(.95)}.rates-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.rate-item{display:flex;flex-direction:column;gap:8px;transition:transform .3s ease}.rate-item:hover{transform:translateY(-2px)}.rate-value{font-size:28px;line-height:1.2;font-weight:800;color:#fff}.rate-label{font-size:14px;color:#dbeafe}.rates-note{margin-top:16px;font-size:14px;color:#dbeafe}@media (max-width:768px){.rates-grid{grid-template-columns:1fr}}.cta-band{background:#f8fafc;padding:80px 0;border-top:1px solid #e5e7eb;transition:background-color .3s ease,color .3s ease,border-color .3s ease}.cta-container{max-width:896px;margin:0 auto;padding:0 32px;text-align:center}.cta-title{margin:0;color:#04396d;font-size:40px;font-weight:700;line-height:1.28}.cta-subtitle{margin:16px 0 24px;color:#4b5563;font-size:18px;line-height:1.6}.cta-button{height:60px;min-width:184px;padding:0 28px;border:none;border-radius:8px;background:#ffb806;color:#04396d;font-size:18px;font-weight:800;cursor:pointer;transition:all .3s cubic-bezier(.4,0,.2,1);will-change:transform,background-color,box-shadow}.cta-button:hover{background:#ffc735;transform:translateY(-3px) scale(1.05);box-shadow:0 8px 20px #ffb80666}.cta-button:active{transform:translateY(-1px) scale(1.02);box-shadow:0 4px 12px #ffb8064d}footer.site-footer{background:#f8fafc;color:#04396d;padding:64px 0 24px;border-top:1px solid #e5e7eb;transition:background-color .3s ease,color .3s ease,border-color .3s ease}.footer-container{max-width:1280px;margin:0 auto;padding:0 32px}.footer-top{display:grid;grid-template-columns:.9fr 1.6fr 1fr;gap:32px;align-items:flex-start}.footer-brand-logo{height:44px;width:auto;filter:none}.footer-about{max-width:420px}.footer-connect{display:flex;flex-direction:column;gap:16px}.footer-desc{margin:16px 0 0;color:#4b5563;font-size:14px;line-height:1.6;max-width:520px}.footer-col-title{margin:0 0 16px;font-weight:700;font-size:16px}.footer-links{list-style:none;margin:0;padding:0;display:grid;gap:8px}.footer-link{color:#04396d;text-decoration:none;font-size:14px;transition:color .3s ease,transform .2s ease;display:inline-block}.footer-link:hover{color:#ffb806;text-decoration:underline;transform:translate(4px)}.footer-inline-links{display:flex;gap:24px;flex-wrap:wrap;margin-top:16px}.footer-inline-links li{margin:0;padding:0}.footer-inline-links .footer-link{text-decoration:underline}.social-row{display:flex;gap:12px;flex-wrap:wrap}.social-btn{width:32px;height:32px;display:inline-flex;align-items:center;justify-content:center;border-radius:6px;background:transparent;border:1px solid rgba(4,57,109,.2);cursor:pointer;transition:all .3s cubic-bezier(.4,0,.2,1)}.social-btn:hover{background:#04396d14;border-color:#ffb80680;transform:translateY(-2px) scale(1.1)}.footer-bottom{margin-top:24px;padding-top:16px;border-top:1px solid #e5e7eb;color:#4b5563;font-size:14px;text-align:center}.footer-contact{display:inline-block;font-size:14px;color:#04396d;text-decoration:none;transition:color .3s ease}.footer-contact:hover{color:#ffb806}@media (max-width:1024px){.footer-top{grid-template-columns:1fr;gap:24px}.footer-connect{align-items:flex-start}.footer-bottom{text-align:center}}@media (max-width:720px){.footer-connect{gap:12px}.footer-about{max-width:none}}@media (prefers-color-scheme: dark){body{background:#0b1220;color:#e5e7eb}header.site-header{background:#0f172a;border-bottom:1px solid #1f2937;box-shadow:none}nav.primary a{color:#cbd5e1}nav.primary a.fees{color:#93c5fd}.cta{background:#fbbf24;color:#0b1220}.hero{background:#0b1220}.hero-title{color:#e2e8f0}.hero-subtitle{color:#94a3b8}.badge-text{color:#cbd5e1}.hero-illustration{background:#ffffff0f}.fees{background:#0f172a;border-top:1px solid #1f2937}.fees-title{color:#e2e8f0}.fees-subtitle{color:#94a3b8}.fee-card{background:#111827;border-color:#1f2937;box-shadow:0 10px 15px #0006,0 4px 6px #00000059}.fee-card-title{color:#e5e7eb}.fee-card-desc,.fee-list-item{color:#cbd5e1}.calc{background:#0b1220;border-top:1px solid #1f2937}.calc-title{color:#e2e8f0}.calc-subtitle{color:#94a3b8}.calc-card{background:#0f172a;border-color:#1f2937}.calc-field label{color:#cbd5e1}.calc-input,.calc-select{background:#111827;color:#e5e7eb;border-color:#374151}.result-value{color:#e2e8f0}.result-label{color:#9ca3af}.referrals{background:#0f172a;border-top:1px solid #1f2937}.referrals-title{color:#e2e8f0}.referrals-subtitle{color:#94a3b8}.ref-card{background:#111827;border-color:#1f2937;box-shadow:0 10px 15px #0006,0 4px 6px #00000059}.ref-name{color:#e5e7eb}.ref-handle{color:#9ca3af}.ref-link{background:#0f172a;color:#e5e7eb}.ref-btn{background:#fbbf24;color:#0b1220}.rates{background:#0b1220;border-top:1px solid #1f2937}.rates-card{background:#0b274a}.rates-title{color:#fff}.rates-refresh:hover{background:#ffffff1f}.rate-label,.rates-note{color:#c3dafe}.cta-band{background:#0b274a;border-top:1px solid #1f2937}.cta-title{color:#fff}.cta-subtitle{color:#c3dafe}.cta-button{background:#fbbf24;color:#0b1220}.footer-bottom{color:#9ca3af}}:root[data-theme=dark] footer.site-footer{background:#0b274a;color:#fff;border-top:1px solid rgba(255,255,255,.12)}:root[data-theme=dark] .footer-desc{color:#cbd5e1}:root[data-theme=dark] .footer-link{color:#dbeafe}:root[data-theme=dark] .footer-inline-links .footer-link{color:#dbeafe}:root[data-theme=dark] .footer-col-title{color:#e2e8f0}:root[data-theme=dark] .footer-contact{color:#e2e8f0}:root[data-theme=dark] .footer-contact:hover{color:#ffb806}:root[data-theme=dark] body{background:#0b1220;color:#e5e7eb}:root[data-theme=dark] header.site-header{background:#0f172a;border-bottom:1px solid #1f2937;box-shadow:none}:root[data-theme=dark] nav.primary a{color:#cbd5e1}:root[data-theme=dark] nav.primary a.fees{color:#93c5fd}:root[data-theme=dark] .cta{background:#fbbf24;color:#0b1220}:root[data-theme=dark] .hero{background:#0b1220}:root[data-theme=dark] .hero-title{color:#e2e8f0}:root[data-theme=dark] .hero-subtitle{color:#94a3b8}:root[data-theme=dark] .badge-text{color:#cbd5e1}:root[data-theme=dark] .hero-illustration{background:transparent}:root[data-theme=dark] .fees{background:#0f172a;border-top:1px solid #1f2937}:root[data-theme=dark] .fees-title{color:#e2e8f0}:root[data-theme=dark] .fees-subtitle{color:#94a3b8}:root[data-theme=dark] .fee-card{background:#111827;border-color:#1f2937;box-shadow:0 10px 15px #0006,0 4px 6px #00000059}:root[data-theme=dark] .fee-card-title{color:#e5e7eb}:root[data-theme=dark] .fee-card-desc{color:#cbd5e1}:root[data-theme=dark] .fee-list-item{color:#cbd5e1}:root[data-theme=dark] .calc{background:#0b1220;border-top:1px solid #1f2937}:root[data-theme=dark] .calc,:root[data-theme=dark] .calc *{color:#e5e7eb}:root[data-theme=dark] .calc-title{color:#e2e8f0}:root[data-theme=dark] .calc-subtitle{color:#94a3b8}:root[data-theme=dark] .calc-card{background:#0f172a;border-color:#1f2937}:root[data-theme=dark] .calc-results{background:#0f172a;border-color:#1f2937}:root[data-theme=dark] .calc-field label{color:#cbd5e1}:root[data-theme=dark] .calc-input,:root[data-theme=dark] .calc-select{background:#111827;color:#e5e7eb;border-color:#374151;caret-color:#e5e7eb}:root[data-theme=dark] .calc-select option{background:#111827;color:#e5e7eb}:root[data-theme=dark] .result-value{color:#e2e8f0}:root[data-theme=dark] .result-label{color:#9ca3af}:root[data-theme=dark] .referrals{background:#0f172a;border-top:1px solid #1f2937}:root[data-theme=dark] .referrals-title{color:#e2e8f0}:root[data-theme=dark] .referrals-subtitle{color:#94a3b8}:root[data-theme=dark] .ref-card{background:#111827;border-color:#1f2937;box-shadow:0 10px 15px #0006,0 4px 6px #00000059}:root[data-theme=dark] .ref-name{color:#e5e7eb}:root[data-theme=dark] .ref-handle{color:#9ca3af}:root[data-theme=dark] .ref-link{background:#0f172a;color:#e5e7eb}:root[data-theme=dark] .ref-btn{background:#fbbf24;color:#0b1220}:root[data-theme=dark] .rates{background:#0b1220;border-top:1px solid #1f2937}:root[data-theme=dark] .rates-card{background:#0b274a}:root[data-theme=dark] .rates-title{color:#fff}:root[data-theme=dark] .rates-refresh:hover{background:#ffffff1f}:root[data-theme=dark] .rate-label,:root[data-theme=dark] .rates-note{color:#c3dafe}:root[data-theme=dark] .cta-band{background:#0b274a;border-top:1px solid #1f2937}:root[data-theme=dark] .cta-title{color:#fff}:root[data-theme=dark] .cta-subtitle{color:#c3dafe}:root[data-theme=dark] .cta-button{background:#fbbf24;color:#0b1220}:root[data-theme=dark] .footer-bottom{color:#9ca3af}.theme-toggle{background:transparent;border:1px solid rgba(0,0,0,.1);color:#04396d;width:36px;height:36px;border-radius:6px;display:inline-flex;align-items:center;justify-content:center;cursor:pointer;transition:all .3s cubic-bezier(.4,0,.2,1)}.theme-toggle:hover{background:#00000014;transform:rotate(180deg) scale(1.1)}:root[data-theme=dark] .theme-toggle{border-color:#fff3;color:#e5e7eb}:root[data-theme=dark] .theme-toggle:hover{background:#ffffff14}:root[data-theme=light] body{background:var(--bg-white);color:var(--text-slate)}:root[data-theme=light] header.site-header{background:#fff;border-bottom:1px solid var(--border);box-shadow:0 1px 2px var(--shadow)}:root[data-theme=light] nav.primary a{color:var(--text-slate)}:root[data-theme=light] nav.primary a.fees{color:var(--text-blue)}:root[data-theme=light] .cta{background:var(--cta-bg);color:var(--text-blue)}:root[data-theme=light] .hero{background:#fff}:root[data-theme=light] .hero-title{color:#04396d}:root[data-theme=light] .hero-subtitle{color:#4b5563}:root[data-theme=light] .badge-text{color:#374151}:root[data-theme=light] .hero-illustration{background:#ffffff1a}:root[data-theme=light] .fees{background:#f9fafb;border-top:1px solid var(--border)}:root[data-theme=light] .fees-title{color:#04396d}:root[data-theme=light] .fees-subtitle{color:#4b5563}:root[data-theme=light] .fee-card{background:#fff;border-color:#f3f4f6;box-shadow:0 10px 15px #0000001a,0 4px 6px #0000001a}:root[data-theme=light] .fee-card-title{color:#04396d}:root[data-theme=light] .fee-card-desc,:root[data-theme=light] .fee-list-item{color:#4b5563}:root[data-theme=light] .calc{background:#fff;border-top:1px solid var(--border)}:root[data-theme=light] .calc-title{color:#04396d}:root[data-theme=light] .calc-subtitle{color:#4b5563}:root[data-theme=light] .calc-card{background:#f9fafb;border-color:#e5e7eb}:root[data-theme=light] .calc-field label{color:#374151}:root[data-theme=light] .calc-input,:root[data-theme=light] .calc-select{background:#fff;color:#111827;border-color:#d1d5db}:root[data-theme=light] .result-value{color:#04396d}:root[data-theme=light] .result-label{color:#4b5563}:root[data-theme=light] .referrals{background:#f9fafb;border-top:1px solid var(--border)}:root[data-theme=light] .referrals-title{color:#04396d}:root[data-theme=light] .referrals-subtitle{color:#4b5563}:root[data-theme=light] .ref-card{background:#fff;border-color:#f3f4f6;box-shadow:0 10px 15px #0000001a,0 4px 6px #0000001a}:root[data-theme=light] .ref-name{color:#04396d}:root[data-theme=light] .ref-handle{color:#4b5563}:root[data-theme=light] .ref-link{background:#f9fafb;color:#374151}:root[data-theme=light] .ref-btn{background:#ffb806;color:#04396d}:root[data-theme=light] .rates{background:#fff;border-top:1px solid var(--border)}:root[data-theme=light] .rates-card{background:#fff;color:#04396d;border-color:#e5e7eb;box-shadow:0 10px 20px #04396d14}:root[data-theme=light] .rate-value{color:#04396d}:root[data-theme=light] .rates-title{color:#04396d}:root[data-theme=light] .rates-refresh:hover{background:#04396d14}:root[data-theme=light] .rate-label,:root[data-theme=light] .rates-note{color:#4b5563}:root[data-theme=light] .cta-band{background:#f8fafc;border-top:1px solid #e5e7eb}:root[data-theme=light] .cta-title{color:#04396d}:root[data-theme=light] .cta-subtitle{color:#4b5563}:root[data-theme=light] .cta-button{background:#ffb806;color:#04396d}@keyframes fadeUpIn{0%{opacity:0;transform:translateY(32px) scale(.98)}to{opacity:1;transform:none}}@keyframes fadeLeftIn{0%{opacity:0;transform:translate(-32px) scale(.98)}to{opacity:1;transform:none}}@keyframes fadeRightIn{0%{opacity:0;transform:translate(32px) scale(.98)}to{opacity:1;transform:none}}@keyframes fadeDownIn{0%{opacity:0;transform:translateY(-32px) scale(.98)}to{opacity:1;transform:none}}.animate-in{opacity:0;animation:fadeUpIn .9s cubic-bezier(.16,1,.3,1) forwards}.animate-in-left{opacity:0;animation:fadeLeftIn .9s cubic-bezier(.16,1,.3,1) forwards}.animate-in-right{opacity:0;animation:fadeRightIn .9s cubic-bezier(.16,1,.3,1) forwards}.animate-in-down{opacity:0;animation:fadeDownIn .9s cubic-bezier(.16,1,.3,1) forwards}.animate-in.stagger-1{animation-delay:.08s}.animate-in.stagger-2{animation-delay:.2s}.animate-in.stagger-3{animation-delay:.33s}.animate-in.stagger-4{animation-delay:.46s}.animate-in.stagger-5{animation-delay:.57s}.stagger>*{will-change:opacity,transform}@media (prefers-reduced-motion: reduce){.animate-in,.animate-in-left,.animate-in-right,.animate-in-down{opacity:1!important;animation:none!important;transition:none!important}}