:root{--bg: #f8fafc;--bg-2: #ffffff;--bg-3: #f0f5f9;--card: #ffffff;--line: #d5e0eb;--line-med: #b9cadb;--ink: #121c2a;--ink-2: #3d4d60;--ink-3: #647388;--accent: #176fb5;--accent-dim: #0f5491;--accent-2: #2a9d8f;--accent-soft: #e7f1f9;--danger: #d74040;--danger-bg: #fdecec;--warn: #ba7716;--warn-bg: #fdf5e7;--ok: #1f845a;--ok-bg: #e8f6ef;--shadow-rgb: 24, 45, 70;--radius: 12px;--radius-lg: 18px;--radius-xl: 22px;--shadow-sm: 0 1px 2px rgba(var(--shadow-rgb), .06), 0 2px 6px rgba(var(--shadow-rgb), .05);--shadow: 0 14px 42px rgba(var(--shadow-rgb), .09);--shadow-lg: 0 22px 60px rgba(var(--shadow-rgb), .14);--glow: 0 10px 30px rgba(23, 111, 181, .28);--maxw: 1140px;--font: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;--font-display: "Manrope", "Inter", system-ui, sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{margin:0;font-family:var(--font);color:var(--ink);background:radial-gradient(circle at 16% 2%,rgba(23,111,181,.07),transparent 30rem),linear-gradient(180deg,var(--bg) 0%,var(--bg-3) 140%);background-attachment:fixed;line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;min-height:100vh}img{max-width:100%;height:auto;display:block}a{color:var(--accent);text-decoration:none}a:hover{color:var(--accent-dim);text-decoration:underline}::selection{background:#176fb533}h1,h2,h3,h4{font-family:var(--font-display);line-height:1.15;letter-spacing:-.02em;color:var(--ink);font-weight:700}h1{font-size:clamp(2.1rem,1.3rem + 3.4vw,3.4rem);margin:0 0 .5em;font-weight:800}h2{font-size:clamp(1.6rem,1.15rem + 2vw,2.35rem);margin:2em 0 .6em}h3{font-size:clamp(1.2rem,1rem + 1vw,1.5rem);margin:1.6em 0 .5em}p{margin:0 0 1.05em}.container{max-width:var(--maxw);margin:0 auto;padding:0 20px}.narrow{max-width:760px;margin:0 auto;padding:0 20px}.section{padding:clamp(52px,6vw,92px) 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a:hover{background:var(--bg-3);text-decoration:none;color:var(--ink)}.nav a[aria-current=page]{color:var(--accent);background:var(--accent-soft)}.menu-toggle{display:none}.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-weight:700;font-size:1rem;line-height:1;padding:14px 22px;border-radius:var(--radius);border:1px solid transparent;cursor:pointer;transition:transform .15s ease,box-shadow .2s ease,background .18s ease,border-color .18s ease}.btn:hover{text-decoration:none;transform:translateY(-2px)}.btn:active{transform:translateY(0)}.btn-primary{background:var(--accent);color:#fff;box-shadow:0 6px 18px #176fb538}.btn-primary:hover{background:var(--accent-dim);color:#fff;box-shadow:var(--glow)}.btn-danger{background:var(--danger);color:#fff}.btn-ghost{background:var(--card);color:var(--ink);border-color:var(--line-med);box-shadow:var(--shadow-sm)}.btn-ghost:hover{background:var(--bg-3);color:var(--ink);border-color:var(--accent)}.btn-outline{background:transparent;color:var(--accent);border-color:#176fb559}.btn-outline:hover{background:var(--accent-soft);border-color:var(--accent);color:var(--accent-dim)}.btn-lg{padding:16px 28px;font-size:1.06rem}.btn-block{display:flex;width:100%}.badge{display:inline-flex;align-items:center;gap:7px;font-size:.72rem;font-weight:800;letter-spacing:.05em;text-transform:uppercase;padding:6px 11px;border-radius:8px;line-height:1}.badge-scam{background:var(--danger);color:#fff}.badge-susp{background:var(--warn);color:#fff}.badge-cat{background:var(--bg-3);color:var(--ink-3);border:1px solid var(--line);text-transform:none;letter-spacing:0;font-weight:600}.chip{display:inline-flex;padding:8px 14px;border-radius:999px;background:var(--card);border:1px solid var(--line);color:var(--ink-2);font-size:.9rem;font-weight:600;transition:border-color .15s,color .15s,background .15s}.chip:hover{border-color:var(--accent);color:var(--accent);text-decoration:none}.chip[aria-current=true]{background:var(--accent);color:#fff;border-color:var(--accent)}.hero{position:relative;overflow:hidden;color:#fff;padding:clamp(56px,7vw,104px) 0 clamp(48px,5vw,72px);background:linear-gradient(130deg,#091321f0,#0d263edb 52%,#0f3454cc),image-set(url(/hero-bg.webp) type("image/webp"),url(/hero-bg.jpg) type("image/jpeg")) center/cover no-repeat;background-color:#0b1a2c}.hero:before{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;background:radial-gradient(ellipse 45% 50% at 88% 10%,rgba(42,157,143,.28) 0%,transparent 60%),radial-gradient(ellipse 52% 46% at 4% 92%,rgba(23,111,181,.32) 0%,transparent 60%)}.hero>.container{position:relative;z-index:1}.hero h1{color:#fff;max-width:15ch}.hero .lead{color:#cdd9e6;max-width:46ch}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:46px;align-items:center}.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}.hero .btn-ghost{background:#ffffff14;color:#fff;border-color:#ffffff38;box-shadow:none}.hero .btn-ghost:hover{background:#ffffff29;border-color:#ffffff73;color:#fff}.stats{display:flex;flex-wrap:wrap;gap:40px;margin-top:48px;padding-top:30px;border-top:1px solid rgba(255,255,255,.14)}.stat b{font-family:var(--font-display);display:block;font-size:2.5rem;font-weight:800;letter-spacing:-.03em;color:#fff;line-height:1}.stat span{color:#9fb2c6;font-size:.92rem}.hero-visual{position:relative;display:flex;justify-content:center}.mock-card{position:relative;width:100%;max-width:380px;background:#fff;color:var(--ink);border-radius:18px;padding:22px;box-shadow:0 34px 74px #0000006b;transform:rotate(-2deg)}.mock-card .mock-badges{display:flex;gap:8px;margin-bottom:14px}.mock-card .mock-name{font-family:var(--font-display);font-weight:800;font-size:1.3rem}.mock-card .mock-rate{display:flex;align-items:center;gap:8px;margin:6px 0 14px;color:var(--ink-3);font-size:.88rem}.mock-flags{list-style:none;padding:0;margin:0 0 16px}.mock-flags li{position:relative;padding-left:26px;margin:9px 0;font-size:.92rem;color:var(--ink-2)}.mock-flags li:before{content:"!";position:absolute;left:0;top:0;width:17px;height:17px;border-radius:50%;background:var(--danger);color:#fff;font-size:.72rem;font-weight:800;display:grid;place-items:center}.mock-card .mock-more{color:var(--accent);font-weight:700;font-size:.95rem}.mock-chip{position:absolute;background:#fff;color:var(--ink);border-radius:12px;padding:10px 13px;box-shadow:0 18px 38px #0000004d;font-size:.84rem;font-weight:700;display:flex;align-items:center;gap:9px;white-space:nowrap}.mock-chip.c1{top:-20px;right:-6px;transform:rotate(3deg)}.mock-chip.c2{bottom:-22px;left:-12px;transform:rotate(-3deg)}.mock-chip .dot{width:24px;height:24px;border-radius:50%;display:grid;place-items:center;color:#fff;font-size:.82rem;flex:none}.mock-chip.c1 .dot{background:var(--ok)}.mock-chip.c2 .dot{background:var(--danger)}.page-hero{position:relative;overflow:hidden;color:#fff;padding:clamp(40px,5vw,68px) 0 clamp(34px,4vw,50px);background:linear-gradient(130deg,#091321f2,#0d263ee6),image-set(url(/hero-bg.webp) type("image/webp"),url(/hero-bg.jpg) type("image/jpeg")) center/cover no-repeat;background-color:#0b1a2c}.page-hero:before{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;background:radial-gradient(ellipse 50% 62% at 92% 6%,rgba(42,157,143,.24) 0%,transparent 60%)}.page-hero>.container{position:relative;z-index:1}.page-hero h1{color:#fff;margin:0}.page-hero .lead{color:#cdd9e6;margin:12px 0 0;max-width:64ch}.page-hero .crumbs{color:#ffffff94;margin:0 0 14px}.page-hero .crumbs a{color:#ffffffa8}.page-hero .crumbs a:hover{color:#fff}.grid{display:grid;gap:22px}.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-auto{grid-template-columns:repeat(auto-fill,minmax(300px,1fr))}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);padding:26px;box-shadow:var(--shadow-sm);transition:transform .18s ease,box-shadow .22s ease,border-color .22s ease}.card:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:var(--line-med)}.company-card{display:flex;flex-direction:column;gap:12px}.company-card h3{margin:0;font-size:1.22rem}.company-card h3 a{color:var(--ink)}.company-card h3 a:hover{color:var(--accent);text-decoration:none}.company-card .row{display:flex;align-items:center;justify-content:space-between;gap:10px}.company-card .flags{color:var(--ink-3);font-size:.92rem}.company-card a.more{margin-top:auto;font-weight:700}.stars{display:inline-flex;gap:2px;color:#d7dee8;font-size:1.05rem;line-height:1}.stars .on{color:#f2a516}.stars.lg{font-size:1.5rem}.callout{border-radius:var(--radius);padding:18px 20px;margin:22px 0;border:1px solid}.callout-danger{background:var(--danger-bg);border-color:#f6cfcf}.callout-warn{background:var(--warn-bg);border-color:#f3e0b8}.callout-ok{background:var(--ok-bg);border-color:#bfe6d3}.callout p:last-child{margin-bottom:0}.help-cta{position:relative;overflow:hidden;background:linear-gradient(135deg,#0f2740,#123a5c);color:#fff;border-radius:var(--radius-xl);padding:clamp(30px,4vw,48px);box-shadow:var(--shadow-lg)}.help-cta:before{content:"";position:absolute;inset:0;pointer-events:none;background:radial-gradient(ellipse 60% 80% at 90% 10%,rgba(42,157,143,.28),transparent 60%)}.help-cta>*{position:relative}.help-cta h2,.help-cta h3{color:#fff;margin-top:0}.help-cta p{color:#c3d3e2}.help-cta .btn-primary{background:#fff;color:var(--accent-dim);box-shadow:0 8px 22px #00000040}.help-cta .btn-primary:hover{background:#eef5fb;color:var(--accent-dim)}.prose{font-size:1.07rem;color:var(--ink-2)}.prose h2,.prose h3{color:var(--ink)}.prose ul,.prose ol{padding-left:1.3em;margin:0 0 1.2em}.prose li{margin:.4em 0}.prose a{color:var(--accent);text-decoration:underline;text-underline-offset:2px}.prose blockquote{margin:1.4em 0;padding:6px 20px;border-left:4px solid var(--accent);color:var(--ink-2);background:var(--accent-soft);border-radius:0 10px 10px 0}.prose table{width:100%;border-collapse:collapse;margin:1.4em 0;font-size:.98rem}.prose th,.prose td{border:1px solid var(--line);padding:10px 12px;text-align:left}.prose th{background:var(--bg-3);font-weight:700}.prose code{background:var(--bg-3);padding:2px 6px;border-radius:6px;font-size:.92em}.field{margin-bottom:16px}.field label{display:block;font-weight:600;margin-bottom:6px;font-size:.95rem;color:var(--ink-2)}.input,.textarea,select.input{width:100%;padding:13px 15px;border:1px solid var(--line);border-radius:var(--radius);font:inherit;background:var(--bg-2);color:var(--ink);transition:border-color .15s,box-shadow .15s}.input::placeholder,.textarea::placeholder{color:var(--ink-3)}.input:focus,.textarea:focus,select.input:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 4px #176fb51f}.textarea{min-height:130px;resize:vertical}.hint{color:var(--ink-3);font-size:.86rem;margin-top:5px}.hp{position:absolute;left:-9999px;opacity:0;height:0;width:0}.star-input{display:inline-flex;flex-direction:row-reverse;gap:4px;font-size:1.9rem;cursor:pointer}.star-input input{position:absolute;opacity:0}.star-input label{color:#d7dee8;transition:color .1s;line-height:1}.star-input label:hover,.star-input label:hover~label,.star-input input:checked~label{color:#f2a516}.form-note{font-size:.9rem;color:var(--ink-3)}.form-status{margin-top:12px;padding:12px 15px;border-radius:var(--radius);display:none}.form-status.ok{display:block;background:var(--ok-bg);color:#0d6b47;border:1px solid #bfe6d3}.form-status.err{display:block;background:var(--danger-bg);color:#a52222;border:1px solid #f6cfcf}.review{border:1px solid var(--line);border-radius:var(--radius-lg);padding:20px 22px;background:var(--card);box-shadow:var(--shadow-sm)}.review .head{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:8px}.review .who{font-weight:700}.review .date{color:var(--ink-3);font-size:.85rem}.review p{margin:0;color:var(--ink-2)}.contact-grid{display:grid;gap:16px}.contact-card{display:flex;align-items:flex-start;gap:16px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);padding:22px;box-shadow:var(--shadow-sm);transition:transform .18s ease,box-shadow .22s ease,border-color .22s}.contact-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--line-med)}.contact-ico{width:50px;height:50px;border-radius:14px;display:grid;place-items:center;flex:none;font-size:1.4rem}.contact-ico.tg{background:#176fb51a;color:var(--accent);border:1px solid rgba(23,111,181,.2)}.contact-ico.wa{background:#1f845a1a;color:var(--ok);border:1px solid rgba(31,132,90,.2)}.contact-ico.ph{background:#2a9d8f1f;color:var(--accent-2);border:1px solid rgba(42,157,143,.22)}.contact-card h3{margin:0 0 3px;font-size:1.08rem}.contact-card .sub{color:var(--ink-3);font-size:.9rem;margin:0 0 10px}.contact-card .link{font-weight:700;font-size:.96rem}.check-list{list-style:none;padding:0;margin:6px 0 0}.check-list li{position:relative;padding-left:27px;margin:10px 0;color:var(--ink-2);font-size:.97rem}.check-list li:before{content:"✓";position:absolute;left:0;top:1px;color:var(--accent);font-weight:800}.privacy-note{margin-top:22px;padding:16px 20px;border-radius:var(--radius);background:var(--accent-soft);border:1px solid rgba(23,111,181,.16);color:var(--ink-2);font-size:.95rem}.privacy-note strong{color:var(--accent-dim)}.faq-item{border:1px solid var(--line);border-radius:var(--radius);background:var(--card);padding:2px 20px;margin-bottom:10px;box-shadow:var(--shadow-sm)}.faq-item summary{cursor:pointer;font-weight:700;padding:16px 28px 16px 0;position:relative;list-style:none;color:var(--ink);font-size:1.02rem}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";position:absolute;right:0;top:50%;transform:translateY(-50%);color:var(--accent);font-weight:800;font-size:1.3rem}.faq-item[open] summary:after{content:"–"}.faq-item .faq-a{margin:0 0 16px;color:var(--ink-2)}.crumbs{font-size:.9rem;color:var(--ink-3);margin:22px 0 4px}.crumbs a{color:var(--ink-3)}.crumbs a:hover{color:var(--accent)}.site-footer{background:#0c1a2b;color:#a9b8c9;margin-top:64px;padding:56px 0 30px}.site-footer a{color:#cdd8e5}.site-footer a:hover{color:#fff}.site-footer h4{color:#fff;font-family:var(--font-display);font-size:1rem;margin:0 0 12px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:34px}.footer-grid ul{list-style:none;padding:0;margin:0}.footer-grid li{margin:7px 0}.footer-bottom{border-top:1px solid #1e3247;margin-top:36px;padding-top:20px;font-size:.85rem;color:#7387a0}.disclaimer-line{font-size:.82rem;color:#7387a0;margin-top:10px}.tag-list{display:flex;flex-wrap:wrap;gap:8px}.mt-0{margin-top:0}.mb-0{margin-bottom:0}.flow>*+*{margin-top:1rem}.float-cta{position:fixed;z-index:60;right:20px;bottom:20px;display:inline-flex;align-items:center;gap:9px;background:linear-gradient(135deg,var(--accent),var(--accent-dim));color:#fff;font-weight:700;font-size:.96rem;line-height:1;padding:14px 20px;border-radius:999px;box-shadow:0 14px 34px #176fb56b;transition:transform .15s ease,box-shadow .2s ease}.float-cta:hover{transform:translateY(-2px);color:#fff;text-decoration:none;box-shadow:0 20px 44px #176fb58c}@media(max-width:860px){.float-cta{display:none}.grid-2,.grid-3{grid-template-columns:1fr}.hero-grid{grid-template-columns:1fr;gap:40px}.hero-visual{margin:8px 10px 0}.footer-grid{grid-template-columns:1fr;gap:24px}.nav{position:fixed;inset:68px 0 auto;flex-direction:column;gap:2px;background:var(--card);border-bottom:1px solid var(--line);padding:12px 16px;box-shadow:var(--shadow);display:none}.nav.open{display:flex}.nav a{padding:12px 14px}.menu-toggle{display:inline-grid;place-items:center;margin-left:auto;width:44px;height:44px;border:1px solid var(--line);border-radius:10px;background:var(--card);cursor:pointer;font-size:1.2rem;color:var(--ink)}}