:root{--bg-dark:#0a0f1c;--bg-card:#141e37b3;--bg-card-hover:#1e2d50cc;--primary:#6366f1;--primary-light:#818cf8;--primary-dark:#4f46e5;--accent:#22d3ee;--accent-green:#10b981;--accent-orange:#f59e0b;--accent-red:#ef4444;--text-primary:#f1f5f9;--text-secondary:#94a3b8;--text-muted:#64748b;--border:#6366f133;--border-light:#ffffff1a;--shadow:0 25px 50px -12px #00000080;--shadow-glow:0 0 40px #6366f14d;--radius-sm:8px;--radius-md:12px;--radius-lg:20px;--radius-xl:28px}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{background:var(--bg-dark);color:var(--text-primary);min-height:100vh;font-family:Inter,-apple-system,BlinkMacSystemFont,sans-serif;line-height:1.6;overflow-x:hidden}.background-effects{pointer-events:none;z-index:-1;width:100%;height:100%;position:fixed;top:0;left:0;overflow:hidden}.gradient-orb{filter:blur(80px);opacity:.5;border-radius:50%;animation:20s ease-in-out infinite float;position:absolute}.orb-1{background:linear-gradient(135deg, var(--primary) 0%, #7c3aed 100%);width:600px;height:600px;animation-delay:0s;top:-200px;right:-200px}.orb-2{background:linear-gradient(135deg, var(--accent) 0%, #0891b2 100%);width:500px;height:500px;animation-delay:-7s;bottom:-150px;left:-150px}.orb-3{background:linear-gradient(135deg,#ec4899 0%,#8b5cf6 100%);width:400px;height:400px;animation-delay:-14s;top:50%;left:50%;transform:translate(-50%,-50%)}@keyframes float{0%,to{transform:translate(0)scale(1)}25%{transform:translate(30px,-30px)scale(1.05)}50%{transform:translate(-20px,20px)scale(.95)}75%{transform:translate(20px,30px)scale(1.02)}}.container{z-index:1;max-width:1200px;margin:0 auto;padding:20px;position:relative}.header{justify-content:space-between;align-items:center;gap:20px;padding:20px 0 40px;display:flex}.logo{color:inherit;flex-shrink:0;align-items:center;gap:15px;text-decoration:none;display:flex}.logo-icon{background:linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);border-radius:var(--radius-md);width:48px;height:48px;box-shadow:var(--shadow-glow);justify-content:center;align-items:center;display:flex}.logo-icon svg{color:#fff;width:24px;height:24px}.logo h1,.logo-text{background:linear-gradient(135deg, var(--text-primary) 0%, var(--primary-light) 100%);-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;font-size:1.5rem;font-weight:800}.tagline{color:var(--text-secondary);font-size:.8rem;font-weight:400}.header-nav{flex-wrap:wrap;justify-content:flex-end;gap:6px;display:flex}.nav-link{color:var(--text-secondary);border-radius:var(--radius-md);white-space:nowrap;border:1px solid #0000;padding:8px 14px;font-size:.85rem;font-weight:500;text-decoration:none;transition:all .3s}.nav-link:hover{color:var(--text-primary);background:var(--bg-card);border-color:var(--border)}.nav-link.active{color:#fff;background:linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);border-color:var(--primary)}.menu-toggle{cursor:pointer;z-index:1001;background:0 0;border:none;flex-direction:column;gap:5px;padding:8px;display:none}.menu-toggle span{background:var(--text-primary);border-radius:2px;width:25px;height:3px;transition:all .3s;display:block}.menu-toggle.active span:first-child{transform:rotate(45deg)translate(7px,7px)}.menu-toggle.active span:nth-child(2){opacity:0}.menu-toggle.active span:nth-child(3){transform:rotate(-45deg)translate(7px,-7px)}body.menu-open{width:100%;position:fixed;overflow:hidden}.updated-badge{color:var(--accent-green);background:#10b98126;border:1px solid #10b9814d;border-radius:100px;align-items:center;gap:8px;padding:10px 18px;font-size:.875rem;font-weight:600;display:flex}.pulse{background:var(--accent-green);border-radius:50%;width:8px;height:8px;animation:2s ease-in-out infinite pulse}@keyframes pulse{0%,to{opacity:1;transform:scale(1)}50%{opacity:.5;transform:scale(1.2)}}.main-content{flex-direction:column;gap:30px;display:flex}.intro-section{text-align:center;padding:0 20px}.intro-section p{color:var(--text-secondary);max-width:700px;margin:0 auto;font-size:1.1rem}.calc-subtitle{color:var(--accent);text-align:center;margin:8px 0 12px;font-size:1.1rem;font-weight:500}.intro-section strong{color:var(--accent)}.calculator-tabs{flex-wrap:wrap;justify-content:center;gap:12px;display:flex}.tab-btn{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-lg);color:var(--text-secondary);cursor:pointer;-webkit-backdrop-filter:blur(20px);backdrop-filter:blur(20px);align-items:center;gap:10px;padding:16px 28px;font-size:1rem;font-weight:500;transition:all .3s;display:flex}.tab-btn:hover{background:var(--bg-card-hover);border-color:var(--primary);color:var(--text-primary);transform:translateY(-2px)}.tab-btn.active{background:linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);border-color:var(--primary);color:#fff;box-shadow:var(--shadow-glow)}.tab-icon{font-size:1.25rem}.calculator-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-xl);-webkit-backdrop-filter:blur(30px);backdrop-filter:blur(30px);box-shadow:var(--shadow);padding:40px}.tab-description{text-align:center;border-radius:var(--radius-md);background:#6366f11a;border:1px solid #6366f133;margin-bottom:30px;padding:16px 24px}.tab-description p{color:var(--text-secondary);font-size:.95rem}.input-section{margin-bottom:30px}.input-section label{color:var(--text-primary);margin-bottom:12px;font-size:.95rem;font-weight:600;display:block}.input-wrapper{align-items:center;display:flex;position:relative}.currency-symbol{color:var(--primary-light);font-size:1.5rem;font-weight:700;position:absolute;left:24px}.input-wrapper input{border:2px solid var(--border);border-radius:var(--radius-lg);width:100%;color:var(--text-primary);background:#0f172a99;padding:20px 24px 20px 60px;font-family:inherit;font-size:1.5rem;font-weight:600;transition:all .3s}.input-wrapper input::placeholder{color:var(--text-muted);font-weight:400}.input-wrapper input:focus{border-color:var(--primary);background:#0f172acc;outline:none;box-shadow:0 0 0 4px #6366f126}.input-hint{color:var(--text-muted);margin-top:8px;font-size:.8rem;display:block}.calculate-btn{background:linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);border-radius:var(--radius-lg);color:#fff;cursor:pointer;border:none;justify-content:center;align-items:center;gap:10px;width:100%;padding:20px 40px;font-family:inherit;font-size:1.1rem;font-weight:700;transition:all .3s;display:flex;box-shadow:0 10px 30px -10px #6366f180}.calculate-btn:hover{transform:translateY(-3px);box-shadow:0 15px 40px -10px #6366f199}.calculate-btn:active{transform:translateY(-1px)}.results-section{border-top:1px solid var(--border);margin-top:40px;padding-top:40px;animation:.5s fadeInUp;display:none}.results-section.show{display:block}@keyframes fadeInUp{0%{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}.results-header{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:15px;margin-bottom:30px;display:flex}.results-header h3{font-size:1.25rem;font-weight:700}.buyer-type-badge{color:var(--accent);background:#22d3ee26;border:1px solid #22d3ee4d;border-radius:100px;padding:8px 16px;font-size:.875rem;font-weight:600}.total-sdlt{text-align:center;border-radius:var(--radius-lg);background:linear-gradient(135deg,#6366f126 0%,#8b5cf626 100%);border:1px solid #6366f14d;margin-bottom:20px;padding:30px}.total-sdlt .label{color:var(--text-secondary);text-transform:uppercase;letter-spacing:1px;margin-bottom:10px;font-size:.95rem;display:block}.total-sdlt .amount{background:linear-gradient(135deg, var(--primary-light) 0%, var(--accent) 100%);-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;font-size:3rem;font-weight:800;display:block}.effective-rate{border-radius:var(--radius-md);background:#0f172a80;justify-content:space-between;align-items:center;margin-bottom:30px;padding:20px 24px;display:flex}.effective-rate .label{color:var(--text-secondary);font-weight:500}.effective-rate .rate{color:var(--accent-green);font-size:1.5rem;font-weight:700}.breakdown-section{margin-bottom:30px}.breakdown-section h4{color:var(--text-secondary);margin-bottom:16px;font-size:1rem;font-weight:600}.breakdown-table{flex-direction:column;gap:8px;display:flex}.breakdown-row{border-radius:var(--radius-sm);background:#0f172a66;grid-template-columns:2fr 1fr 1fr;align-items:center;gap:15px;padding:14px 20px;font-size:.95rem;display:grid}.breakdown-row.header{color:var(--text-secondary);text-transform:uppercase;letter-spacing:.5px;background:#6366f11a;font-size:.85rem;font-weight:600}.breakdown-row .band{color:var(--text-primary)}.breakdown-row .rate{color:var(--primary-light);text-align:center;font-weight:600}.breakdown-row .tax{color:var(--accent-green);text-align:right;font-weight:700}.summary-box{border-radius:var(--radius-lg);border:1px solid var(--border);background:#0f172a99;padding:24px}.summary-row{border-bottom:1px solid var(--border-light);justify-content:space-between;padding:12px 0;font-size:1rem;display:flex}.summary-row:last-child{border-bottom:none}.summary-row span:first-child{color:var(--text-secondary)}.summary-row span:last-child{color:var(--text-primary);font-weight:600}.summary-row.total{border-top:2px solid var(--primary);border-bottom:none;margin-top:10px;padding-top:20px}.summary-row.total span:first-child{color:var(--text-primary);font-weight:700}.summary-row.total span:last-child{color:var(--accent);font-size:1.25rem;font-weight:800}.rates-section{margin-top:20px}.rates-section h2{text-align:center;background:linear-gradient(135deg, var(--text-primary) 0%, var(--text-secondary) 100%);-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;margin-bottom:30px;font-size:1.75rem;font-weight:700}.rates-grid{grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:24px;display:grid}.rate-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-xl);-webkit-backdrop-filter:blur(20px);backdrop-filter:blur(20px);padding:28px;transition:all .3s}.rate-card:hover{border-color:var(--primary);box-shadow:var(--shadow-glow);transform:translateY(-5px)}.rate-card h3{align-items:center;gap:10px;margin-bottom:20px;font-size:1.15rem;font-weight:700;display:flex}.rate-card table{border-collapse:collapse;width:100%}.rate-card th,.rate-card td{text-align:left;border-bottom:1px solid var(--border-light);padding:12px 8px;font-size:.9rem}.rate-card th{color:var(--text-muted);text-transform:uppercase;letter-spacing:.5px;font-size:.75rem;font-weight:600}.rate-card td{color:var(--text-secondary)}.rate-card .rate-value{color:var(--primary-light);font-weight:700}.rate-card tbody tr:last-child td{border-bottom:none}.rate-note{color:var(--text-muted);margin-top:16px;font-size:.8rem;font-style:italic}.info-section{grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px;margin-top:10px;display:grid}.info-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-lg);-webkit-backdrop-filter:blur(20px);backdrop-filter:blur(20px);padding:28px;transition:all .3s}.info-card:hover{border-color:var(--accent)}.info-card h3{margin-bottom:12px;font-size:1.1rem;font-weight:700}.info-card p{color:var(--text-secondary);font-size:.95rem;line-height:1.7}.info-card strong{color:var(--accent)}.footer{border-top:1px solid var(--border);margin-top:60px;padding:40px 0 30px}.footer-top{grid-template-columns:2fr 1fr 1fr;gap:40px;margin-bottom:40px;display:grid}.footer-brand{max-width:300px}.footer-logo{color:var(--text-primary);align-items:center;gap:10px;margin-bottom:12px;font-size:1.15rem;font-weight:700;display:flex}.footer-logo svg{color:var(--primary-light)}.footer-tagline{color:var(--text-muted);font-size:.9rem;line-height:1.6}.footer-links-section h4{color:var(--text-primary);text-transform:uppercase;letter-spacing:.5px;margin-bottom:16px;font-size:.95rem;font-weight:600}.footer-nav{flex-direction:column;gap:12px;display:flex}.footer-nav a{color:var(--text-secondary);font-size:.9rem;text-decoration:none;transition:all .3s}.footer-nav a:hover{color:var(--primary-light);padding-left:5px}.footer-bottom{text-align:center;border-top:1px solid var(--border-light);padding-top:30px}.footer-bottom p{color:var(--text-muted);max-width:700px;margin:0 auto 10px;font-size:.85rem;line-height:1.6}.footer-bottom .disclaimer{color:var(--text-muted);opacity:.8;font-size:.8rem}.footer-bottom .copyright{color:var(--text-secondary);margin-top:20px;font-size:.85rem;font-weight:500}@media (max-width:768px){.container{padding:15px}.header{flex-flow:wrap;justify-content:space-between;align-items:center;gap:16px;padding:15px 0 25px;position:relative}.menu-toggle{order:2;display:flex}.header-nav{-webkit-backdrop-filter:blur(20px);backdrop-filter:blur(20px);opacity:0;visibility:hidden;z-index:998;background:#0d111cfa;border:1px solid #6366f133;border-radius:16px;flex-direction:column;gap:8px;width:auto;max-width:calc(100% - 32px);max-height:0;margin:0;padding:16px;transition:all .3s cubic-bezier(.4,0,.2,1);position:fixed;top:85px;left:16px;right:16px;overflow:hidden;transform:translateY(-10px);box-shadow:0 10px 40px #00000080}.header-nav.active{opacity:1;visibility:visible;max-height:500px;overflow:visible;transform:translateY(0)}.nav-link{text-align:center;background:#ffffff08;border:1px solid #ffffff14;border-radius:12px;width:100%;padding:14px 20px;font-size:15px;font-weight:500;transition:all .2s}.nav-link:hover{background:#6366f126;border-color:#6366f166;transform:translate(4px)}.nav-link.active{color:var(--accent-cyan);background:linear-gradient(135deg,#6366f133,#4f46e533);border-color:#6366f180;font-weight:600}.logo{text-align:left;flex-direction:row;flex:1;order:1;gap:12px}.logo-icon{width:40px;height:40px}.logo-icon svg{width:20px;height:20px}.logo h1,.logo-text{font-size:1.25rem}.tagline{font-size:.7rem}.calculator-tabs{flex-direction:column}.tab-btn{justify-content:center;width:100%}.calculator-card{padding:24px}.input-wrapper input{padding:18px 20px 18px 50px;font-size:1.25rem}.currency-symbol{font-size:1.25rem;left:18px}.total-sdlt .amount{font-size:2.25rem}.breakdown-row{grid-template-columns:1.5fr .75fr 1fr;gap:8px;padding:12px 14px;font-size:.85rem}.rates-grid{grid-template-columns:1fr}.results-header{flex-direction:column;align-items:flex-start}}@media (max-width:480px){.tab-text{font-size:.9rem}.breakdown-row{font-size:.8rem}.effective-rate{text-align:center;flex-direction:column;gap:8px}.footer-top{text-align:center;grid-template-columns:1fr;gap:30px}.footer-brand{max-width:100%}.footer-nav{align-items:center}.footer-nav a:hover{padding-left:0}}.nav-header{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:20px;padding:20px 0 40px;display:flex}.nav-logo{color:var(--text-primary);align-items:center;gap:12px;font-size:1.25rem;font-weight:700;text-decoration:none;transition:all .3s;display:flex}.nav-logo:hover{color:var(--primary-light)}.nav-logo-icon{background:linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);border-radius:var(--radius-sm);justify-content:center;align-items:center;width:42px;height:42px;display:flex}.nav-logo-icon svg{color:#fff;width:22px;height:22px}.back-btn{background:var(--bg-card);border:1px solid var(--border);color:var(--text-secondary);border-radius:100px;align-items:center;gap:8px;padding:12px 24px;font-size:.9rem;font-weight:500;text-decoration:none;transition:all .3s;display:inline-flex}.back-btn:hover{background:var(--bg-card-hover);border-color:var(--primary);color:var(--text-primary)}.page-content{max-width:900px;margin:0 auto}.page-header{text-align:center;margin-bottom:40px}.page-header h1{background:linear-gradient(135deg, var(--text-primary) 0%, var(--primary-light) 100%);-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;margin-bottom:12px;font-size:2.5rem;font-weight:800}.page-header .last-updated,.page-header .subtitle{color:var(--text-muted);font-size:1rem}.content-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-xl);-webkit-backdrop-filter:blur(30px);backdrop-filter:blur(30px);box-shadow:var(--shadow);margin-bottom:30px;padding:40px}.content-section{border-bottom:1px solid var(--border-light);margin-bottom:32px;padding-bottom:28px}.content-section:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0}.content-section h2{color:var(--text-primary);margin-bottom:16px;font-size:1.25rem;font-weight:700}.content-section p{color:var(--text-secondary);margin-bottom:12px;line-height:1.8}.content-section p:last-child{margin-bottom:0}.content-section ul,.content-section ol{color:var(--text-secondary);margin:16px 0;padding-left:24px}.content-section li{margin-bottom:10px;line-height:1.7}.content-section a{color:var(--primary-light);text-decoration:none;transition:color .3s}.content-section a:hover{color:var(--accent);text-decoration:underline}.disclaimer-alert{border-radius:var(--radius-lg);background:#f59e0b1a;border:1px solid #f59e0b4d;gap:20px;margin-bottom:32px;padding:24px;display:flex}.alert-icon{flex-shrink:0;font-size:2rem}.alert-content h3{color:var(--accent-orange);margin-bottom:8px;font-size:1.1rem;font-weight:700}.alert-content p{color:var(--text-secondary);margin:0;font-size:.95rem}.contact-grid{grid-template-columns:1fr 1fr;gap:30px;margin-bottom:40px;display:grid}.contact-info h2,.contact-form-card h2{color:var(--text-primary);margin-bottom:16px;font-size:1.4rem;font-weight:700}.contact-info>p{color:var(--text-secondary);margin-bottom:28px;line-height:1.7}.contact-methods{flex-direction:column;gap:20px;margin-bottom:28px;display:flex}.contact-item{align-items:flex-start;gap:16px;display:flex}.contact-icon{border-radius:var(--radius-md);background:#6366f126;flex-shrink:0;justify-content:center;align-items:center;width:50px;height:50px;font-size:1.5rem;display:flex}.contact-item h3{color:var(--text-primary);margin-bottom:4px;font-size:.9rem;font-weight:600}.contact-item p{color:var(--text-secondary);margin:0;font-size:.95rem}.contact-item a{color:var(--primary-light);text-decoration:none;transition:color .3s}.contact-item a:hover{color:var(--accent)}.note-box{border-radius:var(--radius-md);background:#6366f11a;border:1px solid #6366f133;padding:20px}.note-box h3{color:var(--primary-light);margin-bottom:8px;font-size:1rem;font-weight:600}.note-box p{color:var(--text-secondary);margin:0;font-size:.9rem;line-height:1.6}.contact-form{flex-direction:column;gap:20px;display:flex}.form-group{flex-direction:column;gap:8px;display:flex}.form-group label{color:var(--text-primary);font-size:.9rem;font-weight:600}.form-group input,.form-group select,.form-group textarea{border:2px solid var(--border);border-radius:var(--radius-md);width:100%;color:var(--text-primary);background:#0f172a99;padding:14px 18px;font-family:inherit;font-size:1rem;transition:all .3s}.form-group input::placeholder,.form-group textarea::placeholder{color:var(--text-muted)}.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--primary);outline:none;box-shadow:0 0 0 4px #6366f126}.form-group select{cursor:pointer;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%2394a3b8'%3E%3Cpath d='M7 10l5 5 5-5z'/%3E%3C/svg%3E");background-position:right 14px center;background-repeat:no-repeat;background-size:24px;padding-right:48px}.form-group select option{background:var(--bg-dark);color:var(--text-primary)}.form-group textarea{resize:vertical;min-height:120px}.submit-btn{background:linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);border-radius:var(--radius-md);color:#fff;cursor:pointer;border:none;justify-content:center;align-items:center;gap:10px;padding:16px 32px;font-family:inherit;font-size:1rem;font-weight:700;transition:all .3s;display:flex;box-shadow:0 10px 30px -10px #6366f180}.submit-btn:hover{transform:translateY(-2px);box-shadow:0 15px 40px -10px #6366f199}.faq-section{margin-bottom:40px}.faq-section h2{text-align:center;color:var(--text-primary);margin-bottom:30px;font-size:1.75rem;font-weight:700}.faq-grid{grid-template-columns:repeat(2,1fr);gap:20px;display:grid}.faq-item{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px;transition:all .3s}.faq-item:hover{border-color:var(--primary)}.faq-item h3{color:var(--text-primary);margin-bottom:10px;font-size:1rem;font-weight:600}.faq-item p{color:var(--text-secondary);margin:0;font-size:.9rem;line-height:1.6}.page-footer{text-align:center;border-top:1px solid var(--border);margin-top:40px;padding:30px 0}.footer-links{flex-wrap:wrap;justify-content:center;gap:30px;margin-bottom:20px;display:flex}.footer-links a{color:var(--text-secondary);font-size:.95rem;text-decoration:none;transition:color .3s}.footer-links a:hover{color:var(--primary-light)}.copyright{color:var(--text-muted);font-size:.875rem}.article-content{flex-direction:column;gap:24px;display:flex}.article-intro{text-align:center;padding:50px 40px}.intro-icon{margin-bottom:20px;font-size:3rem}.article-intro h2{color:var(--text-primary);margin-bottom:16px;font-size:1.5rem;font-weight:700}.lead-text{color:var(--text-secondary);max-width:600px;margin:0 auto;font-size:1.15rem;line-height:1.8}.lead-text strong{color:var(--accent)}.highlight-card{text-align:center;background:linear-gradient(135deg,#6366f126 0%,#8b5cf61a 100%);border-color:#6366f14d;padding:40px}.highlight-icon{margin-bottom:16px;font-size:2.5rem}.highlight-card h2{color:var(--text-primary);margin-bottom:16px;font-size:1.4rem;font-weight:700}.highlight-card p{color:var(--text-secondary);max-width:700px;margin:0 auto;line-height:1.8}.highlight-card strong{color:var(--primary-light)}.region-grid{grid-template-columns:repeat(2,1fr);gap:20px;margin-top:20px;display:grid}.region-card{border-radius:var(--radius-lg);border:1px solid var(--border-light);background:#0f172a80;padding:24px}.region-card h3{color:var(--text-primary);margin-bottom:12px;font-size:1.1rem;font-weight:600}.region-card p{color:var(--text-secondary);margin:0;font-size:.95rem;line-height:1.7}.region-card strong{color:var(--accent)}.cta-box{border-radius:var(--radius-md);text-align:center;background:#6366f11a;border:1px solid #6366f133;margin-top:24px;padding:24px}.cta-box p{color:var(--text-secondary);margin-bottom:16px}.cta-btn{background:linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);color:#fff;border-radius:var(--radius-md);align-items:center;gap:8px;padding:14px 28px;font-weight:700;text-decoration:none;transition:all .3s;display:inline-flex;box-shadow:0 8px 25px -8px #6366f180}.cta-btn:hover{transform:translateY(-2px);box-shadow:0 12px 30px -8px #6366f199}.disclaimer-card{text-align:center;background:#22d3ee14;border-color:#22d3ee33}.disclaimer-icon{margin-bottom:12px;font-size:2rem}.disclaimer-card h3{color:var(--accent);margin-bottom:12px;font-size:1.2rem;font-weight:700}.disclaimer-card p{color:var(--text-secondary);margin-bottom:12px;line-height:1.8}.disclaimer-card .note{color:var(--text-muted);margin:0;font-size:.9rem;font-style:italic}.rates-table-card{overflow:hidden}.rates-table-wrapper{margin:20px 0;overflow-x:auto}.rates-table{border-collapse:collapse;border-radius:var(--radius-md);background:#0f172a66;width:100%;overflow:hidden}.rates-table th,.rates-table td{text-align:left;border-bottom:1px solid var(--border-light);padding:16px 20px}.rates-table th{color:var(--text-primary);text-transform:uppercase;letter-spacing:.5px;background:#6366f126;font-size:.9rem;font-weight:600}.rates-table td{color:var(--text-secondary);font-size:.95rem}.rates-table tbody tr:hover{background:#6366f114}.rates-table tbody tr:last-child td{border-bottom:none}.rate-standard{font-weight:700;color:var(--accent-green)!important}.rate-additional{font-weight:700;color:var(--accent-orange)!important}.table-note{border-radius:var(--radius-md);background:#f59e0b1a;border:1px solid #f59e0b33;margin-top:16px;padding:16px 20px}.table-note p{color:var(--text-secondary);margin:0;font-size:.9rem}.info-note{border-radius:var(--radius-md);background:#22d3ee1a;border:1px solid #22d3ee33;margin-top:16px;padding:16px 20px}.info-note p{color:var(--text-secondary);margin:0;font-size:.9rem}.criteria-grid{grid-template-columns:repeat(2,1fr);gap:16px;margin-top:20px;display:grid}.criteria-item{border-radius:var(--radius-md);border:1px solid var(--border-light);text-align:center;background:#0f172a80;padding:20px}.criteria-icon{margin-bottom:10px;font-size:2rem;display:block}.criteria-item h4{color:var(--text-primary);margin-bottom:6px;font-size:1rem;font-weight:600}.criteria-item p{color:var(--text-muted);margin:0;font-size:.85rem;line-height:1.5}.comparison-cards{grid-template-columns:repeat(2,1fr);gap:16px;margin-top:16px;display:grid}.comparison-card{border-radius:var(--radius-md);border:1px solid;padding:20px}.comparison-card.bad{background:#ef44441a;border-color:#ef44444d}.comparison-card.good{background:#10b9811a;border-color:#10b9814d}.comparison-card h4{margin-bottom:8px;font-size:1rem;font-weight:600}.comparison-card.bad h4{color:var(--accent-red)}.comparison-card.good h4{color:var(--accent-green)}.comparison-card p{color:var(--text-secondary);margin:0;font-size:.9rem;line-height:1.6}.content-section h3{color:var(--text-primary);border-left:none;margin:24px 0 10px;padding-left:0;font-size:1.1rem;font-weight:600}.content-section h3:first-of-type{margin-top:16px}.content-section h3+p{margin-bottom:16px;padding-left:0}@media (max-width:768px){.page-header h1{font-size:2rem}.content-card{padding:20px}.contact-grid,.faq-grid{grid-template-columns:1fr}.disclaimer-alert{text-align:center;flex-direction:column}.footer-links{gap:20px}.criteria-grid{grid-template-columns:1fr;gap:12px}.comparison-cards{grid-template-columns:1fr}.rates-table-wrapper{margin:15px -20px;padding:0 20px;overflow-x:auto}.rates-table th,.rates-table td{padding:12px 14px;font-size:.85rem}.article-intro{padding:24px}.intro-icon,.highlight-icon{font-size:2.5rem}.lead-text{font-size:1rem}.content-section h2{font-size:1.25rem}.content-section h3{font-size:1rem}.info-note,.table-note{padding:14px 16px}.region-grid{grid-template-columns:1fr}}@media (max-width:480px){.nav-header{text-align:center;flex-direction:column}.back-btn{justify-content:center;width:100%}}