:root{--bg:#e4effc;--ink:#111214;--muted:#7b8190;--line:#eceef2;--lav:#e7e1f5;--mint:#dcefe0;--cream:#f8efd6;--blue:#e2eefc;--dark:#1d1e21;--accent:#5aa7ec;--btn:#bfe0fb;--green:#3a9b6a}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Manrope,system-ui,sans-serif;color:var(--ink);background:var(--bg);background-image:linear-gradient(115deg,transparent 48%,rgba(90,167,236,.25) 48.1%,transparent 48.3%),linear-gradient(20deg,transparent 60%,rgba(90,167,236,.2) 60.1%,transparent 60.3%);background-attachment:fixed;padding:42px 28px}
a{color:inherit;text-decoration:none}
svg{fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.shell{max-width:1240px;margin:0 auto;background:#fff;border-radius:30px;box-shadow:0 0 0 14px var(--dark),0 40px 80px rgba(30,60,110,.22);overflow:hidden}
.nav{display:flex;align-items:center;padding:28px 48px;gap:30px;position:relative}
.brand{font-weight:800;font-size:22px;display:flex;align-items:center;gap:10px;letter-spacing:-.4px}
.mono{width:44px;height:44px;border-radius:13px;background:var(--cream);color:var(--ink);font-size:13px;font-weight:800;display:grid;place-items:center;box-shadow:inset 0 0 0 1px rgba(0,0,0,.04)}
.links{display:flex;gap:6px;flex:1;justify-content:center;font-weight:600;font-size:14px}
.links a{padding:10px 14px;border-radius:20px}
.links a:hover{background:#f3f5f8}
.round{width:44px;height:44px;border-radius:50%;background:#f3f5f8;display:grid;place-items:center}
.round svg{width:18px}
.burger{display:none}
.hero{display:grid;grid-template-columns:1.15fr 1fr;gap:30px;padding:10px 48px 60px;align-items:center}
.hero-l{position:relative}
.spark{width:30px;fill:var(--accent);stroke:none;margin-bottom:22px}
h1{font-size:64px;line-height:1.05;font-weight:800;letter-spacing:-2px}
.squig{display:inline-flex;align-items:center;vertical-align:middle;margin-right:10px}
.squig svg{width:78px;height:30px;stroke-width:4.5;stroke:var(--accent)}
.orb{width:58px;height:58px;border-radius:18px;margin-left:-4px;display:grid;place-items:center;font-size:24px;background:var(--dark);color:#fff;letter-spacing:0;transform:rotate(-8deg);box-shadow:0 12px 24px rgba(0,0,0,.18)}
.sub{font-size:18px;line-height:1.55;color:var(--muted);max-width:500px;margin:24px 0 32px}
.cta-row{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.btn{display:inline-block;padding:15px 28px;font-weight:700;font-size:15px;border-radius:24px;border:0;transition:transform .15s}
.btn:hover{transform:translateY(-2px)}
.btn.black{background:var(--dark);color:#fff}
.btn.lime{background:var(--btn);color:var(--ink);box-shadow:0 6px 16px rgba(191,224,251,.35);margin-top:30px;position:relative;z-index:2}
.btn.ghost{background:#f3f5f8}
.advice{display:flex;align-items:center;gap:14px;background:var(--lav);border-radius:20px;padding:12px 18px;font-weight:700;font-size:14px;line-height:1.25}
.advice i{font-style:normal;width:34px;height:34px;border-radius:50%;background:#fff;display:grid;place-items:center}
.feats{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:46px;max-width:600px}
.feats div{background:#f6f8fb;border-radius:20px;padding:18px}
.feats b{font-size:16px;display:flex;align-items:center;gap:10px}
.feats em{font-style:normal;width:30px;height:30px;border-radius:10px;background:var(--mint);display:grid;place-items:center;font-size:14px}
.feats div:nth-child(2) em{background:var(--cream)}
.feats p{color:var(--muted);margin-top:8px;line-height:1.5;font-size:14px}
.hero-r{background:var(--blue);border-radius:28px;position:relative;display:flex;justify-content:center;padding:40px 0;min-height:620px;overflow:hidden}
.hero-r:before{content:"";position:absolute;inset:0;background:linear-gradient(160deg,transparent 40%,rgba(90,167,236,.25) 40.3%,transparent 40.6%)}
.float-tile{position:absolute;border-radius:20px;padding:16px 18px;z-index:4;box-shadow:0 14px 30px rgba(30,60,110,.15)}
.float-tile b{display:block;font-size:22px;letter-spacing:-.4px}
.float-tile small{color:var(--muted);font-size:12px;font-weight:600}
.t1{background:var(--mint);left:18px;top:70px;transform:rotate(-4deg)}
.t2{background:var(--cream);right:18px;bottom:90px;transform:rotate(3deg)}
.phone{position:relative;width:290px;height:580px;background:#f6f8fb;border-radius:44px;border:10px solid var(--dark);box-shadow:0 30px 60px rgba(30,60,110,.3);padding:26px 18px;color:var(--ink);z-index:3}
.ph-top{display:flex;justify-content:space-between;align-items:center;font-weight:800}
.av{width:36px;height:36px;border-radius:50%;background:var(--cream);display:grid;place-items:center;font-size:12px;font-weight:800}
.cardstack{position:relative;height:186px;margin:18px 0 12px}
.pcard{position:absolute;border-radius:20px;padding:18px 18px;left:0;right:0}
.pcard.back{top:0;height:150px;background:var(--lav);transform:scale(.92);transform-origin:top}
.pcard.front{top:22px;height:162px;background:var(--blue);border:1px solid #d3e4f8;box-shadow:0 12px 24px rgba(30,60,110,.12);overflow:hidden}
.pcard.front:after{content:"";position:absolute;left:0;right:0;bottom:0;height:60px;background:linear-gradient(transparent,rgba(90,167,236,.25));clip-path:polygon(0 70%,12% 60%,25% 66%,40% 50%,55% 56%,70% 30%,82% 40%,100% 20%,100% 100%,0 100%)}
.pcard small{font-size:11px;color:var(--muted);font-weight:600}
.pcard b{display:block;font-size:27px;margin:4px 0 10px;letter-spacing:-.6px}
.pc-row{display:flex;gap:24px;font-size:10px;color:var(--muted);position:relative;z-index:2}
.pc-row strong{font-size:14px;color:var(--ink)}
.acts{display:grid;grid-template-columns:repeat(3,1fr);text-align:center;font-size:11px;gap:8px;font-weight:600}
.acts i{display:grid;place-items:center;width:44px;height:44px;margin:0 auto 6px;border-radius:14px;background:#fff;font-style:normal}
.acts div:nth-child(1) i{background:var(--mint)}.acts div:nth-child(2) i{background:var(--lav)}.acts div:nth-child(3) i{background:var(--cream)}
.ph-h{margin:18px 0 6px;font-weight:800;font-size:14px}
.tx{display:flex;align-items:center;gap:10px;padding:8px 0;font-size:12px;border-bottom:1px solid var(--line)}
.tx div{flex:1}.tx b{font-weight:700}.tx small{display:block;color:var(--muted);font-size:10px}.tx em{font-style:normal;font-weight:700}
.ti{width:34px;height:34px;border-radius:11px;display:grid;place-items:center;background:var(--dark);color:#fff;font-size:13px}
.tabbar{position:absolute;left:10px;right:10px;bottom:10px;background:var(--dark);border-radius:20px;display:flex;justify-content:space-around;padding:9px 0;font-size:15px;color:#cfd2d8}
.tabbar span{display:flex;flex-direction:column;align-items:center;gap:2px}
.tabbar small{font-size:9px}.tabbar .on{color:#fff}
section{padding:80px 48px}
.sec-h{max-width:720px;margin-bottom:40px}
.tag{display:inline-block;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:1px;color:var(--accent);margin-bottom:12px}
.tag.dark{color:var(--btn)}
h2{font-size:44px;line-height:1.1;letter-spacing:-1.3px;font-weight:800}
.pill{display:inline-block;border:2px solid #fff;border-radius:16px;padding:0 12px;transform:rotate(-4deg);background:#2a2b2f;letter-spacing:-.5px}
.sec-h p{font-size:17px;line-height:1.55;margin-top:16px;color:#c8cbd2}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.step{border-radius:24px;padding:28px;min-height:250px;display:flex;flex-direction:column;transition:transform .2s}
.step:hover{transform:translateY(-4px)}
.step:nth-child(1){background:var(--lav)}.step:nth-child(2){background:var(--mint)}.step.lime{background:var(--cream)}
.step span{width:42px;height:42px;border-radius:13px;background:#fff;display:grid;place-items:center;font-weight:800;font-size:14px}
.step h3{font-size:22px;margin:auto 0 10px;padding-top:40px;letter-spacing:-.3px}
.step p{color:#5a5f6b;line-height:1.5;font-size:15px}
.biz{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center;background:#f6f8fb;margin:0 48px;border-radius:28px;padding:56px}
.biz p{font-size:17px;line-height:1.55;color:var(--muted);margin:16px 0}
.biz ul{list-style:none;margin-bottom:28px}
.biz li{padding:12px 0;border-bottom:1px solid var(--line);font-weight:600;font-size:15px;display:flex;gap:12px;align-items:center}
.biz li:before{content:"✓";width:24px;height:24px;border-radius:8px;background:var(--mint);color:var(--green);display:grid;place-items:center;font-size:12px;flex-shrink:0}
.biz-r{display:grid;gap:14px}
.mini{border-radius:22px;padding:22px}
.mini small{display:block;font-size:13px;color:var(--muted);font-weight:600}
.mini b{display:block;font-size:30px;margin:4px 0;letter-spacing:-.8px}
.mini span{font-size:12px;font-weight:700;color:var(--green)}
.m1{background:var(--mint)}.m2{background:var(--cream);margin-left:40px}.m3{background:var(--lav)}
.m2 span,.m3 span{color:#5a5f6b}
.banks-wrap{padding:80px 48px}
.banks{background:var(--dark);color:#fff;border-radius:30px;padding:56px;position:relative;overflow:hidden;box-shadow:0 16px 0 -6px #ececec}
.cards-deco{position:absolute;right:-30px;bottom:-40px;width:320px;height:260px;opacity:.7}
.cards-deco i{position:absolute;width:240px;height:150px;border:1.5px solid #6c6f77;border-radius:20px;right:0;bottom:50px;transform:rotate(-14deg)}
.cards-deco i:nth-child(2){right:24px;bottom:26px;transform:rotate(-8deg)}
.cards-deco i:nth-child(3){right:50px;bottom:4px;transform:rotate(-2deg)}
.bgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;position:relative;z-index:2}
.bt{background:#2a2b2f;padding:24px;border-radius:20px}
.bt b{font-size:16px;display:block;margin-bottom:8px}
.bt p{color:#b5b8c0;line-height:1.5;font-size:14px}
.sec{padding-top:0}
.secgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.secgrid div{border:1px solid var(--line);border-radius:22px;padding:26px}
.secgrid h3{font-size:19px;margin-bottom:8px}
.secgrid p{color:var(--muted);line-height:1.5;font-size:15px}
.final{text-align:center;background:var(--blue);margin:0 48px 40px;border-radius:28px;padding:64px 30px}
.final h2{max-width:720px;margin:0 auto 28px}
.cta-row.c{justify-content:center}
.final .btn.ghost{background:#fff}
.foot{display:flex;justify-content:space-between;align-items:center;padding:0 48px 30px;gap:20px;font-size:12px;color:var(--muted);flex-wrap:wrap}
.brand.sm{font-size:16px;color:var(--ink)}.brand.sm .mono{width:34px;height:34px;font-size:11px;border-radius:10px}
@media(max-width:1000px){
body{padding:0}.shell{border-radius:0;box-shadow:none}
.nav{padding:18px 20px}
.links{display:none;position:absolute;top:78px;left:12px;right:12px;background:#fff;flex-direction:column;padding:14px;gap:4px;border-radius:20px;box-shadow:0 20px 40px rgba(30,60,110,.18);z-index:20}
body.menu .links{display:flex}
.round{display:none}.burger{display:flex;flex-direction:column;justify-content:center;gap:5px;margin-left:auto;width:44px;height:44px;border-radius:50%;background:#f3f5f8;border:0;align-items:center}
.burger span{width:18px;height:2px;background:var(--ink);border-radius:2px}
.hero{grid-template-columns:1fr;padding:10px 20px 40px}
h1{font-size:42px;letter-spacing:-1.3px}.orb{width:44px;height:44px;font-size:18px;border-radius:14px}.squig svg{width:54px}
.sub{font-size:16px}
.feats{grid-template-columns:1fr;margin-top:30px}
.hero-r{min-height:640px;padding:30px 0}
.t1{left:10px;top:20px}.t2{right:10px;bottom:30px}
section,.banks-wrap{padding:56px 20px}h2{font-size:32px;letter-spacing:-.8px}
.steps,.bgrid,.secgrid,.biz{grid-template-columns:1fr}
.step{min-height:200px}
.biz{margin:0 20px;padding:30px 22px}.m2{margin-left:0}
.banks{padding:32px 22px}
.final{margin:0 20px 30px;padding:44px 22px}
.foot{padding:0 20px 26px}
}

.hero-r .hero-penny{position:absolute;left:8px;bottom:14px;width:112px;z-index:5}
.hero-r .hero-penny .p-bubble{left:4px;bottom:100%;top:auto;margin-bottom:10px;white-space:normal;width:118px;font-size:13px}
.final-penny{width:110px;margin:0 auto 10px;display:block}
@media(max-width:1000px){.hero-r .hero-penny{width:96px;left:4px;bottom:6px}.hero-r .hero-penny .p-bubble{left:2px;width:104px;font-size:12px}}