/*
Theme Name: Kartkovyi Hid
Theme URI: https://mono-bank.net.ua/
Author: Редакція «Карткового Гіда»
Description: Незалежний український довідник для порівняння карток та умов monobank.
Version: 16.0.0
Text Domain: kartkovyi-gid
*/
:root{
 --ink:#181b20;--graphite:#22262d;--graphite-2:#2d323a;--cream:#f3efe5;--paper:#fffdf8;
 --lime:#d8ff5a;--lime-deep:#bfe63e;--muted:#69707b;--line:#d9d5ca;--soft:#ebe6da;--danger:#a43a32;
 --radius:24px;--shadow:0 18px 45px rgba(24,27,32,.09);--max:1220px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.62;-webkit-font-smoothing:antialiased}body.menu-open{overflow-x:clip}a{color:inherit;text-decoration-thickness:1px;text-underline-offset:3px}img,svg{max-width:100%;height:auto}.container{width:min(var(--max),calc(100% - 40px));margin:auto}.narrow{width:min(800px,100%)}.site-header{position:sticky;top:0;z-index:100;background:rgba(34,38,45,.96);backdrop-filter:blur(12px);border-bottom:1px solid rgba(255,255,255,.08)}.header-inner{min-height:72px;display:flex;align-items:center;gap:26px}.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:#fff;font-weight:900;letter-spacing:-.03em;white-space:nowrap}.brand-mark{width:34px;height:26px;border-radius:8px;background:var(--lime);display:inline-block;position:relative;transform:rotate(-5deg);box-shadow:inset 0 0 0 1px rgba(0,0,0,.08)}.brand-mark:after{content:"";position:absolute;left:6px;right:6px;top:8px;height:3px;border-radius:4px;background:var(--graphite)}.main-nav{margin-left:auto;display:flex;align-items:center;gap:22px}.main-nav a{color:#e7e8e9;text-decoration:none;font-size:14px;font-weight:750}.main-nav a:hover{color:var(--lime)}.header-cta,.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 18px;border-radius:13px;border:1px solid transparent;text-decoration:none;font-weight:900;line-height:1.1;transition:.2s ease}.header-cta,.btn-primary{background:var(--lime);color:var(--ink);box-shadow:0 7px 22px rgba(216,255,90,.16)}.header-cta:hover,.btn-primary:hover{background:#e2ff7c;transform:translateY(-1px)}.btn-dark{background:var(--graphite);color:#fff}.btn-ghost{border-color:#7b8088;color:#fff;background:transparent}.btn-outline{border-color:#b8b4a9;background:transparent}.mobile-toggle{display:none;margin-left:auto;width:44px;height:44px;border:1px solid rgba(255,255,255,.15);border-radius:12px;background:transparent;color:#fff;font-size:0}.mobile-toggle:before{content:"☰";font-size:22px}.mobile-toggle.is-open:before{content:"×";font-size:29px}.mobile-nav-cta{display:none!important}
.hero{background:var(--graphite);color:#fff;padding:80px 0 72px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(360px,.9fr);gap:58px;align-items:center}.eyebrow{display:inline-flex;align-items:center;gap:8px;padding:8px 11px;border-radius:999px;font-size:11px;font-weight:950;text-transform:uppercase;letter-spacing:.12em;background:var(--lime);color:var(--ink)}h1,h2,h3{margin:0;letter-spacing:-.045em;line-height:1.03}h1{font-size:clamp(48px,6.2vw,84px);max-width:920px}.hero h1{margin-top:20px}.hero .lead{font-size:19px;line-height:1.6;color:#c9cdd2;max-width:720px;margin:24px 0}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.hero-note{margin-top:16px;font-size:12px;color:#9da3ab}.card-stack{position:relative;min-height:390px}.visual-card{position:absolute;border-radius:28px;box-shadow:0 28px 55px rgba(0,0,0,.32);overflow:hidden}.visual-card:before{content:"";position:absolute;inset:0;background:linear-gradient(120deg,rgba(255,255,255,.17),transparent 36%)}.card-a{width:82%;height:250px;right:0;top:22px;background:var(--lime);color:var(--ink);transform:rotate(7deg);padding:28px}.card-b{width:78%;height:238px;left:0;bottom:12px;background:#f8f4e9;color:var(--ink);transform:rotate(-7deg);padding:28px}.card-chip{width:44px;height:33px;border-radius:9px;background:#c7b67a;margin-bottom:50px}.card-label{font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.1em}.card-number{margin-top:16px;font-size:28px;font-weight:950;letter-spacing:-.03em}.card-meta{position:absolute;left:28px;right:28px;bottom:22px;display:flex;justify-content:space-between;font-size:12px;font-weight:800}
.quickbar{background:var(--lime);border-bottom:1px solid #c1e447}.quickbar-inner{display:flex;gap:34px;align-items:center;min-height:56px;overflow:auto;scrollbar-width:none}.quickbar-inner::-webkit-scrollbar{display:none}.quickbar a{white-space:nowrap;text-decoration:none;font-size:12px;font-weight:950;text-transform:uppercase;letter-spacing:.06em}.section{padding:82px 0}.section.soft{background:var(--soft)}.section.dark{background:var(--graphite);color:#fff}.section-head{display:grid;grid-template-columns:minmax(0,1fr) minmax(260px,.55fr);gap:38px;align-items:end;margin-bottom:34px}.section-kicker{font-size:11px;text-transform:uppercase;letter-spacing:.12em;font-weight:950;color:#626873;margin-bottom:10px}.dark .section-kicker{color:var(--lime)}h2{font-size:clamp(36px,4.6vw,60px)}h3{font-size:24px}.section-head p{margin:0;color:var(--muted);font-size:16px}.dark .section-head p{color:#b7bdc5}.grid{display:grid;gap:18px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 1px 0 rgba(0,0,0,.02)}.card:hover{box-shadow:var(--shadow)}.card.dark-card{background:var(--graphite-2);border-color:#3a4049;color:#fff}.card .tag{display:inline-flex;padding:6px 9px;border-radius:999px;background:var(--lime);color:var(--ink);font-size:10px;text-transform:uppercase;font-weight:950;letter-spacing:.08em;margin-bottom:20px}.card p{color:var(--muted);margin:10px 0 0}.dark-card p{color:#b9bec6}.card-link{display:inline-block;margin-top:18px;font-size:13px;font-weight:900}.metric{font-size:34px;font-weight:950;letter-spacing:-.05em}.muted{color:var(--muted)}.compare-table-wrap{overflow:auto;border:1px solid var(--line);border-radius:22px;background:var(--paper)}.compare-table{width:100%;border-collapse:collapse;min-width:800px}.compare-table th,.compare-table td{padding:18px 20px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.compare-table th{font-size:11px;text-transform:uppercase;letter-spacing:.08em;background:#ece8de}.compare-table td:first-child{font-weight:900}.compare-table tr:last-child td{border-bottom:0}.compare-table .yes{font-weight:900}.notice{border-left:5px solid var(--lime);background:#fffef9;padding:18px 20px;border-radius:0 16px 16px 0}.notice.warning{border-left-color:#e9a23b}.source-box{margin-top:28px;padding:22px;border:1px dashed #a6aaae;border-radius:18px;background:rgba(255,255,255,.45)}.source-box strong{display:block;margin-bottom:8px}.source-links{display:flex;gap:12px;flex-wrap:wrap}.source-links a{font-size:13px;font-weight:850}.article-hero{padding:68px 0 50px}.breadcrumbs{font-size:12px;color:var(--muted);margin-bottom:22px}.article-hero h1{font-size:clamp(44px,5.4vw,72px);color:var(--ink)}.article-lead{font-size:19px;color:var(--muted);max-width:780px;margin:20px 0 0}.article-meta{display:flex;gap:14px;flex-wrap:wrap;margin-top:24px;font-size:12px;font-weight:800;color:#5d646d}.content-layout{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:42px;align-items:start}.content-main>section{margin-bottom:64px}.content-main h2{font-size:clamp(32px,4vw,48px);margin-bottom:20px}.content-main h3{font-size:22px;margin:26px 0 9px}.content-main p,.content-main li{font-size:16px;color:#333943}.content-main ul{padding-left:20px}.aside{position:sticky;top:98px}.toc{background:var(--graphite);color:#fff;border-radius:22px;padding:22px}.toc strong{display:block;color:var(--lime);margin-bottom:11px}.toc a{display:block;color:#d7dbe0;text-decoration:none;padding:7px 0;font-size:13px;border-bottom:1px solid rgba(255,255,255,.08)}.toc a:last-child{border-bottom:0}.cta-panel{margin-top:18px;background:var(--lime);color:var(--ink);padding:22px;border-radius:22px}.cta-panel p{font-size:13px;margin:8px 0 16px;color:#30351f}.faq-list{display:grid;gap:10px}.faq-item{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:20px}.faq-item h3{font-size:18px;margin-bottom:8px}.faq-item p{margin:0;color:#444a53}.author-box{display:grid;grid-template-columns:88px 1fr;gap:20px;align-items:center;background:var(--graphite);color:#fff;border-radius:24px;padding:24px}.author-avatar{width:88px;height:88px;border-radius:50%;background:var(--lime);color:var(--ink);display:grid;place-items:center;font-weight:950;font-size:28px;overflow:hidden}.author-avatar img{width:100%;height:100%;object-fit:cover}.author-box p{color:#c8ccd1;margin:5px 0}.related{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.related a{text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px;font-weight:850}.related a:hover{border-color:#929790}.site-footer{background:#16191e;color:#fff;padding:56px 0 30px}.footer-grid{display:grid;grid-template-columns:1.25fr repeat(3,.7fr);gap:30px}.footer-title{font-weight:950;font-size:18px}.footer-copy{color:#aeb4bc;max-width:430px;font-size:14px}.footer-col strong{display:block;margin-bottom:11px;color:var(--lime)}.footer-col a{display:block;color:#cbd0d5;text-decoration:none;font-size:13px;padding:4px 0}.footer-bottom{border-top:1px solid #30343a;margin-top:30px;padding-top:20px;color:#90969f;font-size:12px}.legal p,.legal li{color:#3a4048}.search-note{font-size:13px;color:var(--muted)}
@media(max-width:980px){.main-nav,.header-cta{display:none}.mobile-toggle{display:block}.header-inner{position:relative}.main-nav.is-open{display:flex;position:absolute;top:72px;left:0;right:0;background:var(--graphite);padding:12px 20px 18px;flex-direction:column;align-items:stretch;gap:0;border-radius:0 0 18px 18px;box-shadow:0 22px 38px rgba(0,0,0,.25)}.main-nav.is-open a{padding:12px 2px;border-bottom:1px solid rgba(255,255,255,.08)}.main-nav .mobile-nav-cta{display:flex!important;margin-top:12px;background:var(--lime);color:var(--ink);padding:12px;border-radius:12px}.hero-grid,.section-head,.content-layout{grid-template-columns:1fr}.card-stack{min-height:330px;margin-top:18px}.aside{position:static}.toc{display:none}.grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}.footer-grid{grid-template-columns:1fr 1fr}.related{grid-template-columns:1fr 1fr}}
@media(max-width:650px){.container{width:min(100% - 28px,var(--max))}.header-inner{min-height:64px}.main-nav.is-open{top:64px}h1{font-size:clamp(42px,12vw,58px)}.hero{padding:52px 0 44px}.hero .lead,.article-lead{font-size:17px}.hero-actions{display:grid;grid-template-columns:1fr}.hero-actions .btn{width:100%}.card-stack{min-height:285px}.card-a{width:84%;height:200px;padding:22px}.card-b{width:80%;height:192px;padding:22px}.card-chip{margin-bottom:30px}.card-number{font-size:22px}.section{padding:58px 0}h2{font-size:38px}.grid-2,.grid-3{grid-template-columns:1fr}.card{padding:22px}.article-hero{padding:45px 0 36px}.article-hero h1{font-size:42px}.content-main>section{margin-bottom:48px}.content-main h2{font-size:34px}.compare-table{min-width:0}.compare-table thead{display:none}.compare-table,.compare-table tbody,.compare-table tr,.compare-table td{display:block;width:100%}.compare-table tr{padding:12px 18px;border-bottom:1px solid var(--line)}.compare-table td{border:0;padding:6px 0;display:grid;grid-template-columns:118px 1fr;gap:10px}.compare-table td:before{content:attr(data-label);font-size:10px;text-transform:uppercase;letter-spacing:.06em;font-weight:900;color:#737981}.author-box{grid-template-columns:68px 1fr;padding:20px}.author-avatar{width:68px;height:68px}.related,.footer-grid{grid-template-columns:1fr}.footer-grid{gap:22px}.quickbar-inner{gap:24px}.source-links{flex-direction:column}.source-links a{display:block}.visual-card .card-meta{left:22px;right:22px}.mobile-toggle:focus-visible,.btn:focus-visible,a:focus-visible{outline:3px solid #fff;outline-offset:3px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}


/* v4 — stronger comparison-first design */
.site-header{background:rgba(25,29,35,.985);border-bottom:1px solid rgba(255,255,255,.09);box-shadow:0 8px 26px rgba(0,0,0,.08)}
.header-inner{min-height:82px;gap:30px}.brand{gap:12px}.brand-mark{width:38px;height:28px;border-radius:9px}.brand-copy{display:grid;line-height:1.05}.brand-copy strong{font-size:15px;letter-spacing:-.025em}.brand-copy small{margin-top:4px;color:#9299a4;font-size:9px;font-weight:750;letter-spacing:.075em;text-transform:uppercase}.main-nav{gap:19px}.main-nav a{font-size:13px;font-weight:820}.header-actions{display:flex;align-items:center;gap:14px;margin-left:6px}.header-method{color:#aeb4bd;font-size:12px;font-weight:800;text-decoration:none}.header-method:hover{color:#fff}.header-cta{min-height:42px;border-radius:12px;padding:0 17px}.mobile-method{display:none!important}
.hero-v4{padding:92px 0 82px;background:radial-gradient(circle at 80% 22%,rgba(216,255,90,.07),transparent 27%),var(--graphite)}.hero-v4 .hero-grid{grid-template-columns:minmax(0,1.05fr) minmax(370px,.95fr)}.hero-v4 h1{font-size:clamp(54px,5.7vw,82px);max-width:860px}.hero-proof{display:flex;gap:18px;flex-wrap:wrap;margin-top:22px;font-size:12px;font-weight:800;color:#d6dae0}.hero-proof span{display:inline-flex;align-items:center;gap:6px}.quickbar-label{font-size:10px;font-weight:950;text-transform:uppercase;letter-spacing:.12em;color:#4a511b}.quickbar-inner{gap:28px}.quickbar a{font-size:11px}
.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}.product-card{min-height:235px;display:flex;flex-direction:column}.product-card .card-link{margin-top:auto}.comparison-lab{display:grid;gap:14px}.compare-feature{display:grid;grid-template-columns:50px 1fr 28px;gap:18px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px;text-decoration:none}.compare-feature:hover{border-color:#949a90;box-shadow:var(--shadow)}.compare-feature>span{width:42px;height:42px;border-radius:12px;background:var(--lime);display:grid;place-items:center;font-size:11px;font-weight:950}.compare-feature strong{font-size:22px}.compare-feature p{margin:5px 0 0;color:var(--muted)}.compare-feature>b{font-size:24px}.scenario-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.scenario{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:24px;display:flex;flex-direction:column;min-height:230px}.scenario>span{font-size:10px;font-weight:950;text-transform:uppercase;letter-spacing:.1em;color:#727880}.scenario h3{margin-top:16px}.scenario p{color:var(--muted)}.scenario a{margin-top:auto;font-weight:900}.dark-actions{display:flex;align-items:center;gap:22px;margin-top:24px}.text-link-light{color:#fff;font-weight:850}.cost-layers{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}.cost-layers>div{background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px}.cost-layers span{width:34px;height:34px;border-radius:10px;background:var(--lime);display:grid;place-items:center;font-weight:950;margin-bottom:18px}.cost-layers p{color:var(--muted)}.center-action{text-align:center;margin-top:26px}.trust-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}.trust-card{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:22px}.trust-card>span{font-size:10px;font-weight:950;letter-spacing:.12em;color:#717782}.trust-card h3{margin-top:12px}.trust-card p{color:var(--muted)}.trust-card a{font-weight:850}
.article-hero{background:linear-gradient(90deg,#f4efe4 0,#f7f3e9 70%,#eff9cb 100%);border-bottom:1px solid #ddd7c9;padding:64px 0 54px}.article-hero h1{max-width:980px}.breadcrumbs{display:flex;gap:9px;align-items:center}.article-meta a{color:#424851}.article-trust{background:#fff;border-bottom:1px solid var(--line)}.article-trust-inner{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:28px}.article-trust-inner>div:first-child{display:grid}.article-trust-inner strong{font-size:13px}.article-trust-inner span{font-size:12px;color:var(--muted)}.article-trust-badges{display:flex;gap:8px;flex-wrap:wrap}.article-trust-badges span{padding:7px 10px;border:1px solid var(--line);border-radius:999px;background:#faf8f2;font-size:10px!important;font-weight:900;color:#525963!important;text-transform:uppercase;letter-spacing:.06em}.article-body{padding-top:56px}.content-layout{grid-template-columns:minmax(0,1fr) 305px;gap:50px}.content-main>section{margin-bottom:72px}.content-main h2{max-width:900px}.aside{top:105px}.toc{padding:24px}.toc strong{font-size:13px;text-transform:uppercase;letter-spacing:.06em}.toc a{line-height:1.35}.cta-panel{padding:24px}.cta-label{display:inline-flex;padding:5px 8px;border-radius:999px;background:#fff;font-size:9px;font-weight:950;text-transform:uppercase;letter-spacing:.08em;margin-bottom:10px}.aside-method{margin-top:14px;border:1px solid var(--line);border-radius:18px;padding:18px;background:#fff}.aside-method p{font-size:12px;color:var(--muted);margin:6px 0}.aside-method a{font-size:12px;font-weight:900}.author-section{margin-top:44px}.author-box{background:#1e2229}.author-box strong{font-size:18px}.check-list{display:grid;gap:10px;padding:0;counter-reset:item;list-style:none}.check-list li{position:relative;padding:16px 18px 16px 54px;background:#fff;border:1px solid var(--line);border-radius:16px;color:#383f48}.check-list li:before{counter-increment:item;content:counter(item,decimal-leading-zero);position:absolute;left:16px;top:15px;width:28px;height:28px;border-radius:9px;background:var(--lime);display:grid;place-items:center;font-size:9px;font-weight:950;color:var(--ink)}.formula-box{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;gap:12px;align-items:center;background:var(--graphite);color:#fff;border-radius:20px;padding:22px}.formula-box span{color:var(--lime);font-weight:950}.decision-matrix{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:12px}.decision-matrix>div{background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px}.decision-matrix strong{display:block;font-size:13px}.decision-matrix span{display:inline-flex;margin:9px 0;padding:4px 7px;background:var(--lime);border-radius:999px;font-size:10px;font-weight:950}.decision-matrix p{font-size:13px!important;margin:0}.source-box{background:#fff}.related{grid-template-columns:repeat(2,minmax(0,1fr))}.related a{min-height:74px;display:flex;align-items:center}
.site-footer{padding-top:64px}.footer-title{font-size:20px}.footer-copy{font-size:13px}.footer-col strong{text-transform:uppercase;letter-spacing:.07em;font-size:11px}
@media(max-width:1100px){.header-method{display:none}.main-nav{gap:14px}.main-nav a{font-size:12px}.trust-grid,.cost-layers,.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}.decision-matrix{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(max-width:980px){.header-actions{display:none}.brand-copy small{display:block}.mobile-method{display:block!important}.main-nav.is-open{top:82px}.main-nav.is-open .mobile-method{color:#cfd3d8}.scenario-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.article-trust-inner{align-items:flex-start;padding:16px 0;flex-direction:column;gap:12px}.article-trust-badges{width:100%}}
@media(max-width:650px){.header-inner{min-height:68px}.main-nav.is-open{top:68px}.brand-copy strong{font-size:14px}.brand-copy small{font-size:8px}.hero-v4{padding:54px 0 48px}.hero-v4 h1{font-size:clamp(40px,11vw,54px)}.hero-proof{display:grid;gap:7px}.quickbar-inner{min-height:50px}.quickbar-label{display:none}.scenario-grid,.trust-grid,.cost-layers,.grid-4,.decision-matrix{grid-template-columns:1fr}.compare-feature{grid-template-columns:42px 1fr 22px;padding:18px}.compare-feature strong{font-size:19px}.dark-actions{align-items:flex-start;flex-direction:column}.formula-box{grid-template-columns:1fr;text-align:center}.formula-box span{transform:rotate(90deg)}.article-hero{padding:44px 0 38px}.article-trust-badges{display:grid;grid-template-columns:repeat(3,1fr)}.article-trust-badges span{text-align:center}.article-body{padding-top:40px}.content-main>section{margin-bottom:52px}.related{grid-template-columns:1fr}.compare-table td{grid-template-columns:106px 1fr}.footer-grid{grid-template-columns:1fr}}
.content-main .dark-card p{color:#c8ccd3}.content-main .dark-card h3{color:#fff}.content-main .dark-card .metric{color:var(--lime)}

/* v5 — cleaner information architecture, less repetitive card UI */
.site-header{position:sticky;top:0;z-index:90;background:#1d2127}
.header-inner{min-height:76px;display:flex;align-items:center;gap:28px}
.brand{min-width:220px}.brand-mark{background:var(--lime)}
.brand-copy strong{font-size:16px}.brand-copy small{font-size:8px;letter-spacing:.09em}
.main-nav{margin-left:auto;display:flex;align-items:center;gap:22px}.main-nav a{font-size:12px;white-space:nowrap;color:#e7e9ed}.main-nav a:hover{color:var(--lime)}
.header-cta{margin-left:6px;display:inline-flex;align-items:center;justify-content:center;min-height:42px;padding:0 18px;background:var(--lime);color:#111!important;border-radius:12px;font-size:12px;font-weight:950;text-decoration:none;box-shadow:0 8px 26px rgba(199,255,43,.12)}
.header-cta:hover{transform:translateY(-1px)}
.hero-v5{padding:88px 0 82px;background:radial-gradient(circle at 80% 25%,rgba(216,255,90,.09),transparent 30%),var(--graphite)}
.hero-v5 .hero-grid{grid-template-columns:minmax(0,1.04fr) minmax(360px,.96fr)}
.hero-v5 h1{max-width:870px;font-size:clamp(52px,5.5vw,78px);line-height:.96}
.hero-v5 .lead{max-width:790px}
.editorial-index{border-top:1px solid var(--line)}
.editorial-index>a{display:grid;grid-template-columns:52px minmax(0,1fr) 30px;gap:18px;align-items:center;padding:24px 4px;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink)}
.editorial-index>a>span{font-size:11px;font-weight:950;color:#747b84}
.editorial-index strong{display:block;font-size:25px;letter-spacing:-.03em}.editorial-index p{margin:5px 0 0;color:var(--muted);max-width:720px}.editorial-index b{font-size:24px}.editorial-index>a:hover strong{color:#566100}
.home-product-table td:last-child a{font-weight:900}
.comparison-lines{border-top:1px solid var(--line)}
.comparison-lines>a{display:grid;grid-template-columns:minmax(190px,.7fr) minmax(0,1.7fr) 28px;gap:20px;align-items:center;padding:22px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink)}
.comparison-lines strong{font-size:21px}.comparison-lines span{color:var(--muted)}.comparison-lines b{font-size:23px}.comparison-lines>a:hover strong{color:#566100}
.text-columns{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.text-columns>div{padding:24px 26px 24px 0}.text-columns>div+div{border-left:1px solid var(--line);padding-left:26px}.text-columns h3{margin:0 0 10px;font-size:21px}.text-columns p{margin:0;color:var(--muted)}
.source-strip{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;background:#424750;border:1px solid #424750;border-radius:18px;overflow:hidden}
.source-strip>div{background:#2b3038;padding:22px}.source-strip strong{display:block;color:var(--lime);font-size:10px;text-transform:uppercase;letter-spacing:.09em;margin-bottom:8px}.source-strip span{color:#fff;font-weight:750}
.credit-definitions{display:grid;grid-template-columns:1fr 1fr;gap:0;border-top:1px solid var(--line)}
.credit-definitions>div{padding:22px 0;border-bottom:1px solid var(--line)}.credit-definitions>div:nth-child(odd){padding-right:26px}.credit-definitions>div:nth-child(even){padding-left:26px;border-left:1px solid var(--line)}
.credit-definitions strong{font-size:20px}.credit-definitions p{margin:7px 0 0;color:var(--muted)}
.credit-metrics{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin-bottom:18px}.credit-metrics>div{background:#20252c;border-radius:18px;padding:22px;color:#fff}.credit-metrics span{display:block;color:var(--lime);font-size:27px;font-weight:950;letter-spacing:-.03em}.credit-metrics strong{display:block;margin-top:9px}.credit-metrics p{color:#c7ccd3!important;font-size:13px!important}
.article-hero h1{letter-spacing:-.045em;line-height:1.02}.content-main h2{letter-spacing:-.04em}
.site-footer .footer-grid{grid-template-columns:1.4fr .8fr .9fr 1fr}
@media(max-width:1100px){.brand{min-width:190px}.main-nav{gap:14px}.main-nav a{font-size:11px}.source-strip,.credit-metrics{grid-template-columns:repeat(2,minmax(0,1fr))}.site-footer .footer-grid{grid-template-columns:1.2fr 1fr 1fr}}
@media(max-width:980px){.header-cta{display:none}.main-nav{margin-left:0}.main-nav.is-open{display:flex}.hero-v5 .hero-grid{grid-template-columns:1fr}.text-columns{grid-template-columns:1fr}.text-columns>div{padding:20px 0}.text-columns>div+div{border-left:0;border-top:1px solid var(--line);padding-left:0}.comparison-lines>a{grid-template-columns:1fr 25px}.comparison-lines>a span{grid-column:1/2}.credit-definitions{grid-template-columns:1fr}.credit-definitions>div:nth-child(odd),.credit-definitions>div:nth-child(even){padding:20px 0;border-left:0}.site-footer .footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:650px){.header-inner{min-height:68px}.brand{min-width:0;margin-right:auto}.brand-copy strong{font-size:14px}.brand-copy small{display:block}.hero-v5{padding:50px 0 46px}.hero-v5 h1{font-size:clamp(40px,11vw,54px)}.editorial-index>a{grid-template-columns:38px 1fr 22px;padding:20px 0}.editorial-index strong{font-size:21px}.comparison-lines strong{font-size:19px}.source-strip,.credit-metrics{grid-template-columns:1fr}.site-footer .footer-grid{grid-template-columns:1fr}.credit-metrics span{font-size:25px}}

/* v6 — stronger content architecture, calmer article pages */
.site-header{background:rgba(28,32,38,.98);box-shadow:0 1px 0 rgba(255,255,255,.05)}
.header-inner{min-height:70px}
.brand{min-width:205px;gap:10px}
.brand-mark{width:31px;height:24px;border-radius:7px}
.brand-copy strong{font-size:15px;letter-spacing:-.025em}
.brand-copy small{font-size:7px;color:#aeb4bc;text-transform:uppercase}
.main-nav{gap:18px}.main-nav a{font-size:11.5px;font-weight:820;color:#f1f2f3}
.header-cta{min-height:40px;padding:0 16px;border-radius:10px;font-size:11.5px}
.hero-v6{padding:86px 0 78px;background:radial-gradient(circle at 77% 28%,rgba(216,255,90,.105),transparent 29%),#20242b}
.hero-v6 h1{max-width:900px;font-size:clamp(50px,5.25vw,76px)}
.hero-v6 .lead{max-width:820px;color:#d0d4d9}
.hero-proof{display:flex;gap:18px;flex-wrap:wrap;margin-top:20px;color:#b8bec6;font-size:12px;font-weight:760}
.quickbar-inner>span{font-size:10px;font-weight:950;text-transform:uppercase;letter-spacing:.1em;color:#4c5400}
.task-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.task-grid>a{position:relative;display:grid;grid-template-columns:42px 1fr 24px;grid-template-rows:auto auto;column-gap:18px;background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:24px;text-decoration:none;transition:.18s ease}
.task-grid>a:hover{border-color:#aab18d;transform:translateY(-2px);box-shadow:var(--shadow)}
.task-grid>a>span{grid-row:1/3;width:34px;height:34px;border-radius:10px;display:grid;place-items:center;background:var(--lime);font-size:11px;font-weight:950}
.task-grid strong{font-size:22px;letter-spacing:-.03em;line-height:1.1}.task-grid p{margin:7px 0 0;color:var(--muted)}.task-grid b{grid-column:3;grid-row:1/3;align-self:center;font-size:22px}
.process-row{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.process-row>div{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:24px}.process-row span,.fee-factors span{display:inline-grid;place-items:center;min-width:34px;height:34px;border-radius:10px;background:var(--lime);font-size:11px;font-weight:950;margin-bottom:24px}.process-row strong{display:block;font-size:21px;letter-spacing:-.03em}.process-row p{color:var(--muted);margin:8px 0 0}
.split-actions{display:flex;align-items:center;gap:18px;flex-wrap:wrap;margin-top:22px}.text-link{font-weight:900}
.role-lines{border-top:1px solid var(--line)}.role-lines>a{display:grid;grid-template-columns:120px minmax(0,1fr) 28px;gap:20px;align-items:center;padding:22px 0;border-bottom:1px solid var(--line);text-decoration:none}.role-lines span{font-size:11px;font-weight:950;text-transform:uppercase;letter-spacing:.09em;color:#737a83}.role-lines strong{font-size:22px;letter-spacing:-.025em}.role-lines b{font-size:22px}.role-lines>a:hover strong{color:#596500}
.money-split{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.money-split>div{padding:28px;border:1px solid #3b4149;border-radius:22px;background:#282d35}.money-split span{color:var(--lime);font-size:10px;font-weight:950;text-transform:uppercase;letter-spacing:.1em}.money-split h3{font-size:28px;margin:14px 0 10px}.money-split p{color:#bdc3ca}.money-split a{display:inline-block;margin-top:10px;color:#fff;font-weight:900}
.trust-row{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border:1px solid var(--line);border-radius:20px;overflow:hidden;background:var(--paper)}.trust-row>div{padding:24px;border-right:1px solid var(--line)}.trust-row>div:last-child{border-right:0}.trust-row strong{display:block;font-size:10px;text-transform:uppercase;letter-spacing:.1em;color:#737a83}.trust-row span{display:block;margin-top:8px;font-size:20px;font-weight:950;letter-spacing:-.025em}.trust-row p{margin:6px 0 0;color:var(--muted);font-size:13px}
.article-hero-v6{background:linear-gradient(100deg,#f6f1e7 0%,#f6f1e7 58%,#f1ffd1 100%);border-bottom:1px solid var(--line);padding:64px 0 50px}.article-hero-v6 .container{max-width:1160px}.article-hero-v6 h1{max-width:980px;font-size:clamp(44px,4.9vw,68px)}.article-hero-v6 .article-lead{max-width:870px}
.article-trust{background:#fff;border-bottom:1px solid var(--line)}.article-trust-inner{min-height:62px;display:flex;align-items:center;justify-content:space-between;gap:20px}.article-trust-inner>div:first-child{display:flex;gap:10px;align-items:center;min-width:0}.article-trust-inner strong{font-size:12px;white-space:nowrap}.article-trust-inner span{font-size:11px;color:var(--muted)}.article-trust-badges{display:flex;gap:8px;flex-wrap:wrap}.article-trust-badges span{border:1px solid var(--line);border-radius:999px;padding:6px 9px;font-size:9px;font-weight:900;text-transform:uppercase;letter-spacing:.07em;color:#555d66}
.content-layout-v6{grid-template-columns:minmax(0,1fr) 240px;gap:50px;max-width:1160px}.content-layout-v6 .content-main{max-width:840px}.content-main>section{scroll-margin-top:100px}.content-main h2{font-size:clamp(31px,3.2vw,46px);line-height:1.04;margin-bottom:20px}.content-main p,.content-main li{font-size:16.5px;line-height:1.7}.aside-v6{top:92px}.aside-v6 .toc{border-radius:18px;padding:20px}.aside-v6 .toc a{font-size:12px;line-height:1.35}.aside-note{margin-top:14px;border:1px solid var(--line);border-radius:16px;background:var(--paper);padding:17px}.aside-note strong{font-size:13px}.aside-note p{font-size:12px;color:var(--muted);margin:7px 0}.aside-note a{font-size:12px;font-weight:900}
.partner-inline{display:flex;align-items:center;justify-content:space-between;gap:24px;background:#1f242b;color:#fff;border-radius:22px;padding:24px 26px}.partner-inline>div{max-width:650px}.partner-inline span{display:block;color:var(--lime);font-size:10px;font-weight:950;text-transform:uppercase;letter-spacing:.1em;margin-bottom:8px}.partner-inline strong{font-size:22px;letter-spacing:-.025em}.partner-inline p{color:#c4c9d0!important;margin:8px 0 0!important}.partner-inline .btn{flex:0 0 auto}
.timeline-list{list-style:none!important;margin:0;padding:0!important;border-top:1px solid var(--line)}.timeline-list li{display:grid;grid-template-columns:54px 1fr;gap:18px;padding:20px 0;border-bottom:1px solid var(--line)}.timeline-list li>span{width:34px;height:34px;border-radius:10px;background:var(--lime);display:grid;place-items:center;font-size:10px;font-weight:950;color:var(--ink)}.timeline-list strong{font-size:19px;color:var(--ink)}.timeline-list p{margin:5px 0 0!important;color:var(--muted)!important}.timeline-list.compact li{padding:14px 0}.timeline-list.compact strong{font-size:16px}.timeline-list.compact p{font-size:14px!important}
.product-role-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.product-role-grid>a{display:block;text-decoration:none;background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:22px}.product-role-grid>a:hover{border-color:#aab18d}.product-role-grid span{display:inline-block;color:#5a6500;background:var(--lime);padding:5px 8px;border-radius:999px;font-size:9px;font-weight:950;text-transform:uppercase;letter-spacing:.08em}.product-role-grid strong{display:block;margin:14px 0 7px;font-size:21px;line-height:1.15}.product-role-grid p{margin:0!important;color:var(--muted)!important}
.scenario-table{border-top:1px solid var(--line)}.scenario-table>div{display:grid;grid-template-columns:minmax(180px,.75fr) minmax(0,1.5fr) auto;gap:20px;align-items:center;padding:20px 0;border-bottom:1px solid var(--line)}.scenario-table strong{font-size:18px}.scenario-table span{color:var(--muted)}.scenario-table a{font-size:13px;font-weight:900;white-space:nowrap}
.fee-factors{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}.fee-factors>div{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:20px}.fee-factors strong{display:block;font-size:18px}.fee-factors p{margin:6px 0 0!important;color:var(--muted)!important;font-size:14px!important}.micro-note{font-size:13px!important;color:var(--muted)!important;margin-top:14px!important}.credit-metrics{grid-template-columns:repeat(2,minmax(0,1fr));max-width:760px}.credit-metrics>div{min-height:150px}.credit-metrics span{font-size:26px}
.source-box{background:#fff;border-style:solid}.author-section{margin-top:34px}.author-box{background:#20252c;border-radius:20px}.related{grid-template-columns:repeat(2,minmax(0,1fr))}.related a{min-height:78px;display:flex;align-items:center}

@media(max-width:1100px){.task-grid{grid-template-columns:1fr}.trust-row{grid-template-columns:repeat(2,minmax(0,1fr))}.trust-row>div:nth-child(2){border-right:0}.trust-row>div:nth-child(-n+2){border-bottom:1px solid var(--line)}.fee-factors{grid-template-columns:repeat(2,minmax(0,1fr))}.content-layout-v6{grid-template-columns:minmax(0,1fr) 220px;gap:34px}.brand{min-width:175px}.main-nav{gap:13px}.main-nav a{font-size:10.5px}}
@media(max-width:980px){.article-trust-inner{padding:10px 0;align-items:flex-start;flex-direction:column}.content-layout-v6{grid-template-columns:1fr}.content-layout-v6 .content-main{max-width:none}.aside-v6{display:none}.process-row,.money-split{grid-template-columns:1fr}.product-role-grid{grid-template-columns:1fr}.scenario-table>div{grid-template-columns:1fr}.scenario-table a{white-space:normal}.partner-inline{align-items:flex-start;flex-direction:column}.partner-inline .btn{width:100%}.role-lines>a{grid-template-columns:90px 1fr 24px}}
@media(max-width:650px){.hero-v6{padding:48px 0 46px}.hero-v6 h1{font-size:clamp(39px,11vw,52px)}.hero-proof{gap:8px 14px}.quickbar-inner{min-height:50px;gap:22px}.task-grid>a{grid-template-columns:36px 1fr 22px;padding:20px 18px}.task-grid strong{font-size:20px}.task-grid p{font-size:14px}.process-row>div{padding:20px}.role-lines>a{grid-template-columns:1fr 22px;gap:8px}.role-lines span{grid-column:1}.role-lines strong{grid-column:1}.role-lines b{grid-column:2;grid-row:1/3}.trust-row{grid-template-columns:1fr}.trust-row>div{border-right:0;border-bottom:1px solid var(--line)!important}.trust-row>div:last-child{border-bottom:0!important}.article-hero-v6{padding:42px 0 38px}.article-hero-v6 h1{font-size:clamp(38px,10.5vw,50px)}.article-lead{font-size:17px}.article-meta{display:grid;gap:6px}.article-trust-badges{display:none}.content-main h2{font-size:clamp(31px,9vw,42px)}.product-role-grid strong{font-size:20px}.fee-factors{grid-template-columns:1fr}.credit-metrics{grid-template-columns:1fr}.partner-inline{padding:22px 18px}.related{grid-template-columns:1fr}.timeline-list li{grid-template-columns:42px 1fr}.compare-table{min-width:680px}}


/* v7: denser editorial layout, inline article navigation and utility tool */
.site-header{box-shadow:0 1px 0 rgba(255,255,255,.07),0 10px 28px rgba(0,0,0,.08)}
.header-inner{min-height:74px}.brand-mark{width:36px;height:27px}.brand-copy strong{font-size:15px}.brand-copy small{font-size:9px;letter-spacing:.04em;color:#9fa6ae;text-transform:uppercase}.main-nav{gap:20px}.main-nav a{font-size:12.2px}.header-cta{min-height:42px;padding:0 17px}
.hero-v6{padding:82px 0 76px}.hero-v6 h1{max-width:850px;line-height:.98}.hero-v6 .lead{max-width:760px}
.home-context{background:#f7f4ec}.context-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border:1px solid var(--line);border-radius:22px;overflow:hidden;background:var(--paper)}.context-grid>div{padding:26px;border-right:1px solid var(--line)}.context-grid>div:last-child{border-right:0}.context-grid span{display:block;font-size:10px;font-weight:950;text-transform:uppercase;letter-spacing:.1em;color:#717882}.context-grid strong{display:block;font-size:21px;letter-spacing:-.025em;margin:8px 0}.context-grid p{margin:0;color:var(--muted)}
.article-index{background:#f8f6f0;border-bottom:1px solid var(--line)}.article-index-inner{min-height:72px;display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:20px;align-items:center}.article-index-inner>strong{font-size:11px;text-transform:uppercase;letter-spacing:.09em}.article-index-links{display:flex;gap:8px;overflow:auto;scrollbar-width:none}.article-index-links::-webkit-scrollbar{display:none}.article-index-links a{flex:0 0 auto;text-decoration:none;border:1px solid var(--line);background:#fff;border-radius:999px;padding:7px 10px;font-size:10px;font-weight:850;white-space:nowrap}.article-index-links a:hover{border-color:#a7ad8b}.article-index-source{font-size:11px;font-weight:900;white-space:nowrap}
.content-layout-v7{max-width:1080px}.content-layout-v7 .content-main{max-width:none;width:100%}.content-layout-v7 .content-main>section{max-width:960px}.content-layout-v7 .content-main>section:has(.compare-table-wrap),.content-layout-v7 .content-main>section:has(.fee-tool),.content-layout-v7 .content-main>section:has(.product-role-grid),.content-layout-v7 .content-main>section:has(.grid-4){max-width:1080px}.content-layout-v7 .content-main h2{max-width:820px}.content-layout-v7 .source-box,.content-layout-v7 .author-section{max-width:960px}
.fee-tool{display:grid;grid-template-columns:minmax(0,.9fr) minmax(340px,1.1fr);gap:28px;align-items:stretch;background:#20252c;color:#fff;border-radius:24px;padding:28px}.fee-tool-copy>span{display:inline-block;color:var(--lime);font-size:10px;font-weight:950;text-transform:uppercase;letter-spacing:.1em}.fee-tool-copy h3{font-size:31px;margin:10px 0 12px}.fee-tool-copy p{color:#c8cdd3!important;margin:0!important}.fee-tool-form{display:grid;grid-template-columns:1fr 1.4fr;gap:12px;background:#2a3038;border:1px solid #3c434d;border-radius:18px;padding:18px}.fee-tool-form label{font-size:11px;font-weight:900;color:#dce0e4}.fee-tool-form input,.fee-tool-form select{display:block;width:100%;height:46px;margin-top:7px;border:1px solid #515965;border-radius:11px;background:#fff;color:#171a1f;padding:0 12px;font:inherit}.fee-result{grid-column:1/-1;display:flex;align-items:center;justify-content:space-between;gap:16px;background:var(--lime);color:var(--ink);border-radius:14px;padding:16px}.fee-result span{font-size:12px;font-weight:850}.fee-result strong{font-size:27px;letter-spacing:-.03em}
.credit-metrics-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));max-width:none;gap:12px}.credit-metrics-3>div{background:#20252c;color:#fff;border:1px solid #373d46;border-radius:18px;padding:22px;min-height:150px}.credit-metrics-3 span{display:block;color:var(--lime);font-size:25px;font-weight:950;letter-spacing:-.04em}.credit-metrics-3 strong{display:block;margin-top:8px;font-size:15px}.credit-metrics-3 p{color:#c3c8cf!important;font-size:13px!important;line-height:1.5!important;margin:8px 0 0!important}.grace-flow{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;gap:12px;align-items:stretch}.grace-flow>div{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:20px}.grace-flow>div span{display:grid;place-items:center;width:31px;height:31px;border-radius:9px;background:var(--lime);font-size:11px;font-weight:950;margin-bottom:16px}.grace-flow>div strong{font-size:18px}.grace-flow>div p{font-size:14px!important;color:var(--muted)!important;margin:7px 0 0!important}.grace-flow>b{align-self:center;font-size:24px}
.author-box{grid-template-columns:72px 1fr;padding:22px}.author-avatar{width:72px;height:72px;font-size:23px}
@media(max-width:980px){.article-index-inner{grid-template-columns:1fr;gap:10px;padding:14px 0}.article-index-source{justify-self:start}.context-grid{grid-template-columns:1fr}.context-grid>div{border-right:0;border-bottom:1px solid var(--line)}.context-grid>div:last-child{border-bottom:0}.fee-tool{grid-template-columns:1fr}.credit-metrics-3{grid-template-columns:repeat(2,minmax(0,1fr))}.grace-flow{grid-template-columns:1fr}.grace-flow>b{transform:rotate(90deg);justify-self:center}.content-layout-v7{max-width:none}}
@media(max-width:650px){.header-inner{min-height:68px}.brand-copy small{font-size:7.5px}.hero-v6{padding:48px 0 46px}.article-index-links{margin-right:-20px;padding-right:20px}.fee-tool{padding:22px 18px}.fee-tool-form{grid-template-columns:1fr}.fee-result{grid-column:auto;align-items:flex-start;flex-direction:column}.credit-metrics-3{grid-template-columns:1fr}.context-grid strong{font-size:19px}}


/* v8 — final mobile hardening and page-experience cleanup */
html,body{max-width:100%;overflow-x:hidden}
body *{min-width:0}
section[id],div[id]{scroll-margin-top:92px}
.site-header{overflow:visible}

@media(max-width:980px){
  .container{width:min(var(--max),calc(100% - 32px))}
  .header-inner{min-height:68px!important;position:relative;gap:12px}
  .brand{min-width:0!important;margin-right:auto;gap:9px}
  .brand-mark{width:28px;height:22px;flex:0 0 28px;border-radius:7px}
  .brand-copy strong{font-size:14px!important;line-height:1.05}
  .brand-copy small{display:block;font-size:7px!important;line-height:1.15;letter-spacing:.055em;white-space:nowrap}
  .header-cta{display:none!important}
  .mobile-toggle{display:flex!important;align-items:center;justify-content:center;flex:0 0 44px;margin-left:auto}
  .main-nav{display:none!important;position:absolute!important;top:68px!important;left:0!important;right:0!important;width:100%!important;max-width:none!important;margin:0!important;padding:10px 16px 16px!important;background:#20242b!important;border:1px solid rgba(255,255,255,.08);border-top:0;border-radius:0 0 18px 18px;box-shadow:0 20px 35px rgba(0,0,0,.28);flex-direction:column!important;align-items:stretch!important;gap:0!important;z-index:999}
  .main-nav.is-open{display:flex!important}
  .main-nav a{display:block!important;width:100%;padding:12px 4px!important;border-bottom:1px solid rgba(255,255,255,.08);font-size:14px!important;line-height:1.25;white-space:normal!important;overflow-wrap:normal!important;word-break:normal!important}
  .main-nav a:last-child{border-bottom:0}
  .main-nav .mobile-nav-cta{display:flex!important;margin-top:10px!important;justify-content:center;border:0!important;background:var(--lime)!important;color:var(--ink)!important;border-radius:12px}
  .hero-grid,.section-head,.content-layout,.content-layout-v6,.content-layout-v7{grid-template-columns:1fr!important}
  .aside,.aside-v6{display:none!important}
  .quickbar,.article-index{max-width:100%;overflow:hidden}
  .quickbar-inner,.article-index-links{max-width:100%;overflow-x:auto;overscroll-behavior-x:contain}
  .compare-table-wrap{max-width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}
  .fee-tool,.grace-flow,.process-row,.money-split{max-width:100%}
}

@media(max-width:650px){
  .container{width:calc(100% - 30px)!important;max-width:none!important}
  .site-header{position:sticky;top:0}
  .header-inner{min-height:64px!important}
  .main-nav{top:64px!important}
  .brand-copy strong{font-size:13.5px!important}
  .brand-copy small{font-size:6.6px!important}
  .hero,.hero-v4,.hero-v5,.hero-v6{padding:44px 0 46px!important}
  .hero h1,.hero-v4 h1,.hero-v5 h1,.hero-v6 h1{font-size:clamp(42px,11.5vw,50px)!important;line-height:1.01!important;letter-spacing:-.045em}
  .hero .lead,.article-lead{font-size:16.5px!important;line-height:1.58!important}
  .hero-actions{grid-template-columns:1fr!important;gap:10px!important}
  .hero-actions .btn{width:100%!important;min-height:50px;padding:0 15px!important;text-align:center;white-space:normal!important}
  .hero-proof,.article-meta{font-size:11.5px!important;line-height:1.45!important}
  .card-stack{min-height:320px!important;margin-top:28px!important}
  .card-a{width:84%!important;height:205px!important;right:0!important;top:22px!important}
  .card-b{width:82%!important;height:200px!important;left:0!important;bottom:20px!important}
  .visual-card{border-radius:23px!important}
  .quickbar-inner{min-height:48px!important;gap:20px!important}
  .quickbar a{font-size:10.5px!important}
  .section{padding:54px 0!important}
  .section-head{gap:18px!important;margin-bottom:24px!important}
  h2,.content-main h2{font-size:clamp(32px,8.6vw,38px)!important;line-height:1.04!important;letter-spacing:-.04em!important}
  h3,.content-main h3{font-size:24px!important;line-height:1.12!important}
  .section-head p,.content-main p,.content-main li{font-size:15.5px!important;line-height:1.58!important}
  .card{padding:20px!important;border-radius:20px!important}
  .task-grid>a{padding:18px!important;border-radius:20px!important}
  .task-grid strong{font-size:19px!important;line-height:1.12!important}
  .task-grid p{font-size:14px!important;line-height:1.5!important}
  .process-row>div{padding:19px!important;border-radius:20px!important}
  .process-row h3{font-size:22px!important}
  .role-lines>a{padding:20px 0!important}
  .role-lines strong{font-size:19px!important;line-height:1.2!important}
  .article-hero,.article-hero-v6{padding:38px 0 34px!important}
  .article-hero h1,.article-hero-v6 h1{font-size:clamp(38px,10vw,46px)!important;line-height:1.02!important}
  .article-index-inner{padding:12px 0!important}
  .article-index-links{margin-right:0!important;padding-right:0!important}
  .content-main>section{margin-bottom:44px!important}
  .faq-item{padding:18px!important;border-radius:18px!important}
  .faq-item h3{font-size:18px!important;line-height:1.25!important}
  .compare-table{min-width:0!important}
  .compare-table thead{display:none!important}
  .compare-table,.compare-table tbody,.compare-table tr,.compare-table td{display:block!important;width:100%!important}
  .compare-table tr{padding:12px 16px!important;border-bottom:1px solid var(--line)}
  .compare-table td{border:0!important;padding:7px 0!important;display:grid!important;grid-template-columns:104px minmax(0,1fr)!important;gap:10px!important;overflow-wrap:anywhere}
  .fee-tool{padding:20px 16px!important;border-radius:20px!important}
  .fee-tool-copy h3{font-size:27px!important}
  .context-grid>div{padding:20px!important}
  .credit-metrics-3>div{min-height:0!important;padding:19px!important}
  .author-box{grid-template-columns:58px 1fr!important;gap:14px!important;padding:18px!important}
  .author-avatar{width:58px!important;height:58px!important;font-size:19px!important}
  .footer-grid{grid-template-columns:1fr!important}
  section[id],div[id]{scroll-margin-top:76px}
}

@media(max-width:390px){
  .brand-copy small{display:none!important}
  .brand-copy strong{font-size:14px!important}
  .hero h1,.hero-v4 h1,.hero-v5 h1,.hero-v6 h1{font-size:40px!important}
  h2,.content-main h2{font-size:31px!important}
}

/* v9 — mobile polish from real-device QA */
html{overflow-x:clip!important}
body{overflow-x:clip!important;width:100%!important;max-width:100vw!important}
.site-header,.header-inner,.main-nav,.hero,.hero-v6,.article-hero,.article-hero-v6,.article-trust,.article-index,.section,.site-footer{max-width:100vw!important}

@media (max-width:1024px){
  .site-header{position:sticky!important;top:0!important;z-index:1000!important}
  .header-inner{min-height:64px!important;height:64px!important;position:relative!important;overflow:visible!important}
  .brand{min-width:0!important;max-width:calc(100% - 60px)!important;overflow:hidden!important}
  .brand-copy{min-width:0!important;overflow:hidden!important}
  .brand-copy strong,.brand-copy small{white-space:nowrap!important;overflow:hidden!important;text-overflow:ellipsis!important}
  .header-cta{display:none!important}
  .mobile-toggle{display:flex!important;visibility:visible!important;opacity:1!important;position:relative!important;z-index:1002!important;margin-left:auto!important}
  .main-nav{display:none!important;position:absolute!important;top:64px!important;left:0!important;right:0!important;width:100%!important;max-width:100%!important;height:auto!important;max-height:calc(100vh - 76px)!important;overflow-y:auto!important;overflow-x:hidden!important;margin:0!important;padding:10px 16px 16px!important;background:#20242b!important;flex-direction:column!important;align-items:stretch!important;gap:0!important;border-radius:0 0 18px 18px!important;box-shadow:0 20px 36px rgba(0,0,0,.3)!important;z-index:1001!important}
  .main-nav.is-open{display:flex!important}
  .main-nav>a{display:block!important;width:100%!important;max-width:100%!important;padding:13px 4px!important;margin:0!important;border-bottom:1px solid rgba(255,255,255,.08)!important;font-size:15px!important;line-height:1.25!important;white-space:normal!important;overflow-wrap:break-word!important;word-break:normal!important}
  .main-nav .mobile-nav-cta{display:flex!important;justify-content:center!important;margin-top:10px!important;border-bottom:0!important;background:var(--lime)!important;color:var(--ink)!important;border-radius:12px!important}
}

@media (max-width:650px){
  .container{width:calc(100% - 28px)!important;margin-left:auto!important;margin-right:auto!important}
  .brand-mark{width:25px!important;height:21px!important;flex:0 0 25px!important}
  .brand-copy strong{font-size:14px!important}
  .brand-copy small{font-size:6.8px!important;letter-spacing:.045em!important}

  .hero-v6 h1,.hero h1{font-size:clamp(39px,10.4vw,46px)!important;line-height:1.015!important}
  .article-hero h1,.article-hero-v6 h1{font-size:clamp(36px,9.3vw,42px)!important;line-height:1.035!important}
  h2,.content-main h2{font-size:clamp(30px,7.9vw,35px)!important;line-height:1.07!important}
  h3,.content-main h3{font-size:22px!important;line-height:1.15!important}
  .section{padding:48px 0!important}
  .content-main>section{margin-bottom:40px!important}
  .section-head{margin-bottom:20px!important}
  .section-head p,.content-main p,.content-main li,.article-lead{font-size:15.5px!important;line-height:1.55!important}

  .article-trust-inner{display:block!important;min-height:0!important;padding:14px 0!important}
  .article-trust-inner>div:first-child{display:block!important;width:100%!important}
  .article-trust-inner strong{display:block!important;white-space:normal!important;font-size:11px!important;margin-bottom:5px!important}
  .article-trust-inner span{display:block!important;font-size:11px!important;line-height:1.45!important}
  .article-trust-badges{display:none!important}

  .article-index-inner{display:block!important;padding:14px 0!important}
  .article-index-inner>strong{display:block!important;margin-bottom:9px!important}
  .article-index-links{display:flex!important;flex-wrap:wrap!important;overflow:visible!important;gap:8px!important;margin:0!important;padding:0!important}
  .article-index-links a{flex:0 1 auto!important;max-width:100%!important;white-space:normal!important;line-height:1.25!important;padding:8px 10px!important}
  .article-index-source{display:inline-block!important;margin-top:11px!important;white-space:normal!important}

  .timeline-list li{grid-template-columns:38px minmax(0,1fr)!important;gap:14px!important;padding:17px 0!important}
  .timeline-list li>span{width:34px!important;height:34px!important}
  .timeline-list strong{font-size:18px!important;line-height:1.18!important}
  .timeline-list p{font-size:14px!important;line-height:1.48!important}

  .task-grid>a{grid-template-columns:34px minmax(0,1fr) 20px!important;column-gap:14px!important;padding:18px 16px!important}
  .task-grid strong{font-size:18px!important}
  .task-grid p{font-size:13.5px!important}

  .process-row>div,.product-role-grid>a,.faq-item,.card{padding:18px!important}
  .process-row strong,.product-role-grid strong{font-size:19px!important}

  .role-lines>a{padding:18px 0!important}
  .role-lines strong{font-size:18px!important}

  .money-split>div{padding:22px 18px!important}
  .money-split h3{font-size:23px!important}

  .partner-inline{padding:20px 17px!important}
  .partner-inline strong{font-size:20px!important;line-height:1.2!important}
  .partner-inline p{font-size:14px!important}

  .quickbar-inner{padding-left:0!important;padding-right:0!important}
  .quickbar-inner>span,.quickbar a{font-size:10px!important}
}

@media (max-width:390px){
  .brand-copy small{display:none!important}
  .hero-v6 h1,.hero h1{font-size:38px!important}
  .article-hero h1,.article-hero-v6 h1{font-size:35px!important}
  h2,.content-main h2{font-size:29px!important}
}

/* v10 — final mobile production pass from v9 */
@media (max-width:650px){
  *,*::before,*::after{min-width:0}
  img,svg,video,iframe{max-width:100%;height:auto}
  .quickbar{overflow:hidden!important}
  .quickbar-inner{display:grid!important;grid-template-columns:repeat(2,minmax(0,1fr))!important;gap:0!important;padding:8px 0!important;overflow:visible!important;min-height:0!important}
  .quickbar-inner>span{display:none!important}
  .quickbar a{white-space:normal!important;overflow-wrap:anywhere!important;padding:9px 10px!important;font-size:9.5px!important;line-height:1.2!important;border-bottom:1px solid rgba(32,36,43,.13)!important}
  .quickbar a:nth-last-child(-n+2){border-bottom:0!important}
  .article-trust{overflow:hidden!important}
  .article-trust-inner{padding:12px 0!important}
  .article-trust-inner>div:first-child{display:grid!important;grid-template-columns:1fr!important;gap:3px!important}
  .article-trust-inner strong{font-size:10px!important;line-height:1.25!important;letter-spacing:.04em!important;text-transform:uppercase!important;margin:0!important}
  .article-trust-inner span{font-size:10.5px!important;line-height:1.4!important;overflow-wrap:anywhere!important}
  .article-index{overflow:hidden!important}
  .article-index-inner{max-width:100%!important}
  .article-index-links{display:grid!important;grid-template-columns:repeat(2,minmax(0,1fr))!important;gap:7px!important;width:100%!important}
  .article-index-links a{display:block!important;width:100%!important;max-width:100%!important;overflow-wrap:anywhere!important;font-size:10px!important;padding:8px 9px!important}
  .article-index-source{max-width:100%!important;overflow-wrap:anywhere!important}
  .hero-v6 h1,.hero h1{font-size:clamp(37px,9.8vw,44px)!important;line-height:1.02!important}
  .article-hero h1,.article-hero-v6 h1{font-size:clamp(34px,8.9vw,40px)!important;line-height:1.04!important}
  h2,.content-main h2{font-size:clamp(28px,7.4vw,33px)!important;line-height:1.08!important}
  h3,.content-main h3{font-size:21px!important}
  .card,.task-grid>a,.process-row>div,.product-role-grid>a,.faq-item,.partner-inline{overflow:hidden!important}
  .compare-table-wrap{max-width:100%!important;overflow:hidden!important}
  .compare-table{max-width:100%!important;min-width:0!important;table-layout:fixed!important}
  .compare-table td{grid-template-columns:92px minmax(0,1fr)!important;overflow-wrap:anywhere!important;word-break:normal!important}
  section[id],div[id]{scroll-margin-top:82px!important}
}
@media (max-width:360px){
  .quickbar-inner,.article-index-links{grid-template-columns:1fr!important}
  .quickbar a:nth-last-child(-n+2){border-bottom:1px solid rgba(32,36,43,.13)!important}
  .quickbar a:last-child{border-bottom:0!important}
  .hero-v6 h1,.hero h1{font-size:35px!important}
  .article-hero h1,.article-hero-v6 h1{font-size:33px!important}
  h2,.content-main h2{font-size:27px!important}
}


/* v11 — centered desktop header + cleaner article trust/contents UI */
@media (min-width:1025px){
  .site-header .header-inner{
    width:min(1100px,calc(100% - 56px));
    margin:0 auto;
    display:grid;
    grid-template-columns:minmax(210px,1fr) auto minmax(210px,1fr);
    align-items:center;
    gap:24px;
  }
  .site-header .brand{justify-self:start}
  .site-header .main-nav{justify-self:center;margin:0;gap:20px}
  .site-header .header-cta{justify-self:end}
}

.article-hero-inner{max-width:1100px}
.article-verification{
  margin-top:24px;
  max-width:930px;
  display:grid;
  grid-template-columns:auto minmax(0,1fr) auto;
  gap:14px;
  align-items:center;
  padding:14px 16px;
  border:1px solid rgba(24,27,32,.11);
  border-radius:16px;
  background:rgba(255,255,255,.62);
}
.article-verification-label{
  font-size:10px;
  font-weight:950;
  text-transform:uppercase;
  letter-spacing:.09em;
  color:var(--ink);
  white-space:nowrap;
}
.article-verification-copy{font-size:12px;color:#5f6670;line-height:1.45}
.article-verification a{font-size:11px;font-weight:900;white-space:nowrap}

.article-toc-card{
  margin:0 0 54px;
  max-width:1080px;
  padding:24px;
  border:1px solid var(--line);
  border-radius:22px;
  background:rgba(255,253,248,.78);
  box-shadow:0 8px 28px rgba(24,27,32,.035);
}
.article-toc-heading{display:flex;align-items:baseline;justify-content:space-between;gap:20px;margin-bottom:16px}
.article-toc-heading>span{font-size:15px;font-weight:950;letter-spacing:-.02em}
.article-toc-heading small{font-size:11px;color:var(--muted)}
.article-toc-links{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}
.article-toc-links a{
  display:grid;
  grid-template-columns:30px minmax(0,1fr);
  gap:10px;
  align-items:center;
  min-height:48px;
  padding:10px 12px;
  border:1px solid #e2ded4;
  border-radius:13px;
  background:#fff;
  text-decoration:none;
  font-size:12px;
  font-weight:800;
  line-height:1.25;
}
.article-toc-links a:hover{border-color:#b7c66d;box-shadow:0 7px 16px rgba(24,27,32,.05)}
.article-toc-links a>span{width:30px;height:30px;display:grid;place-items:center;border-radius:9px;background:var(--lime);font-size:9px;font-weight:950;color:var(--ink)}

/* Old full-width trust/index strips are intentionally retired in v11. */
.article-trust,.article-index{display:none!important}

@media (max-width:1024px){
  .site-header .header-inner{display:flex!important;width:min(var(--max),calc(100% - 40px))!important;margin:auto!important}
}

@media (max-width:650px){
  .site-header .header-inner{width:calc(100% - 28px)!important}
  .article-verification{grid-template-columns:1fr;gap:6px;margin-top:18px;padding:13px 14px;border-radius:14px}
  .article-verification-label{white-space:normal}
  .article-verification-copy{font-size:11px;overflow-wrap:break-word!important}
  .article-verification a{white-space:normal}
  .article-toc-card{margin-bottom:38px;padding:16px;border-radius:18px}
  .article-toc-heading{display:block;margin-bottom:12px}
  .article-toc-heading small{display:block;margin-top:3px}
  .article-toc-links{grid-template-columns:1fr;gap:7px}
  .article-toc-links a{font-size:11.5px;min-height:46px}
  .quickbar{overflow:hidden!important}
  .quickbar-inner{
    display:flex!important;
    grid-template-columns:none!important;
    gap:7px!important;
    overflow-x:auto!important;
    overflow-y:hidden!important;
    padding:9px 0!important;
    scroll-snap-type:x proximity;
    -webkit-overflow-scrolling:touch;
  }
  .quickbar-inner>span{display:none!important}
  .quickbar a{
    flex:0 0 auto!important;
    width:auto!important;
    max-width:78vw!important;
    padding:9px 12px!important;
    border:1px solid rgba(24,27,32,.14)!important;
    border-radius:999px!important;
    background:rgba(255,255,255,.55)!important;
    white-space:nowrap!important;
    overflow-wrap:normal!important;
    line-height:1!important;
    font-size:9.5px!important;
  }
}

/* v12: homepage content polish */
.home-overview-list{margin-top:28px}.home-overview-list+ .split-actions{margin-top:24px}


/* v13 — editorial authorship + comparison hub */
.editorial-avatar{border-radius:18px!important;transform:rotate(-3deg);box-shadow:inset 0 0 0 1px rgba(0,0,0,.08)}
.editorial-box strong{letter-spacing:-.02em}
.comparison-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.comparison-links>a{display:grid;grid-template-columns:38px minmax(0,1fr) 24px;gap:14px;align-items:center;padding:22px;border:1px solid var(--line);border-radius:20px;background:var(--paper);text-decoration:none}
.comparison-links>a:hover{border-color:#b4c56b;box-shadow:0 12px 28px rgba(24,27,32,.05)}
.comparison-links>a>span{width:36px;height:36px;border-radius:11px;background:var(--lime);display:grid;place-items:center;font-size:10px;font-weight:950}
.comparison-links strong{display:block;font-size:19px;line-height:1.15}
.comparison-links p{margin:6px 0 0;color:var(--muted);font-size:14px;line-height:1.45}
.comparison-links b{font-size:22px}
@media(max-width:900px){.comparison-links{grid-template-columns:1fr}}
@media(max-width:650px){.comparison-links>a{padding:18px 16px;grid-template-columns:34px minmax(0,1fr) 20px}.comparison-links strong{font-size:18px}.comparison-links p{font-size:13.5px}}

/* v14 — room for the full “Кредитний ліміт” navigation label */
@media (min-width:1025px) and (max-width:1180px){
  .site-header .header-inner{grid-template-columns:minmax(180px,1fr) auto minmax(180px,1fr);gap:16px}
  .site-header .main-nav{gap:12px}
  .site-header .main-nav a{font-size:11px}
  .site-header .header-cta{padding-left:14px;padding-right:14px}
}


/* v15 — mobile navigation stays usable at any scroll position */
@media (max-width:1024px){
  body{padding-top:64px!important}
  .site-header{
    position:fixed!important;
    top:0!important;left:0!important;right:0!important;
    width:100%!important;
    z-index:5000!important;
  }
  .site-header .header-inner{height:64px!important;min-height:64px!important}
  .mobile-toggle{z-index:5002!important}
  .main-nav{
    position:fixed!important;
    top:64px!important;bottom:0!important;
    left:0!important;right:0!important;
    width:100vw!important;max-width:100vw!important;
    height:calc(100vh - 64px)!important;
    height:calc(100dvh - 64px)!important;
    max-height:none!important;
    margin:0!important;
    padding:14px 20px calc(24px + env(safe-area-inset-bottom))!important;
    border-radius:0!important;
    overflow-y:auto!important;overflow-x:hidden!important;
    overscroll-behavior:contain;
    -webkit-overflow-scrolling:touch;
    z-index:5001!important;
  }
  .main-nav.is-open{display:flex!important}
  body.menu-open{overflow-x:clip!important;overflow-y:auto!important}
}
@media (max-width:650px){
  .main-nav>a{padding:15px 4px!important;font-size:16px!important}
  .main-nav .mobile-nav-cta{min-height:50px!important;margin-top:14px!important}
}