:root {
  --fo-navy: #102746;
  --fo-navy-2: #173b69;
  --fo-ink: #162033;
  --fo-muted: #687386;
  --fo-line: #dfe4eb;
  --fo-soft: #f4f7fa;
  --fo-white: #fff;
  --fo-orange: #ff541a;
  --fo-orange-dark: #d93b00;
  --fo-green: #08a961;
  --fo-green-soft: #eaf9f2;
  --fo-shadow: 0 22px 60px rgba(15, 39, 70, .18);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: #fff; color: var(--fo-ink); font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif; line-height: 1.55; }
button, input { font: inherit; }
a { color: inherit; }
.fo-shell { width: min(1160px, calc(100% - 40px)); margin: 0 auto; }

.fo-header { position: sticky; top: 0; z-index: 100; border-bottom: 1px solid rgba(255,255,255,.12); background: rgba(16, 39, 70, .96); color: #fff; backdrop-filter: blur(12px); }
.fo-header__inner { display: flex; align-items: center; justify-content: space-between; min-height: 68px; }
.fo-logo { display: inline-flex; align-items: center; gap: 10px; color: #fff; font-size: 22px; font-weight: 850; letter-spacing: -.5px; text-decoration: none; }
.fo-logo svg { width: 34px; height: 34px; color: var(--fo-orange); }
.fo-market { display: inline-flex; align-items: center; gap: 7px; padding: 7px 12px; border: 1px solid rgba(255,255,255,.2); border-radius: 999px; background: rgba(255,255,255,.08); font-size: 13px; font-weight: 700; }

.fo-hero { padding: 74px 0 96px; background: radial-gradient(circle at 75% 20%, rgba(255,84,26,.28), transparent 30%), linear-gradient(135deg, var(--fo-navy), var(--fo-navy-2)); color: #fff; text-align: center; }
.fo-hero__inner { max-width: 840px; }
.fo-eyebrow { display: inline-flex; align-items: center; padding: 7px 13px; border: 1px solid rgba(255,255,255,.3); border-radius: 999px; color: #fff; font-size: 12px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.fo-eyebrow--dark { border-color: #cfd7e3; color: var(--fo-navy-2); background: #fff; }
.fo-hero h1 { max-width: 760px; margin: 20px auto 16px; font-size: clamp(36px, 6vw, 62px); line-height: 1.03; letter-spacing: -.045em; text-wrap: balance; }
.fo-hero p { max-width: 700px; margin: 0 auto; color: #dbe6f5; font-size: clamp(17px, 2.2vw, 20px); line-height: 1.5; text-wrap: balance; }
.fo-trust { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px 24px; margin-top: 28px; color: #eaf1fa; font-size: 14px; font-weight: 650; }
.fo-trust strong { color: #54e39d; }

.fo-calculator-wrap { position: relative; z-index: 3; margin-top: -48px; padding-bottom: 76px; }
.fo-calculator { max-width: 680px; margin: 0 auto; overflow: hidden; border: 1px solid rgba(16,39,70,.08); border-radius: 22px; background: #fff; box-shadow: var(--fo-shadow); }
.fo-calculator__head { display: flex; align-items: center; gap: 14px; padding: 24px 28px; background: var(--fo-navy); color: #fff; }
.fo-calculator__icon { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 12px; background: var(--fo-orange); font-size: 26px; font-weight: 900; }
.fo-calculator__head h2 { margin: 0 0 3px; font-size: 23px; line-height: 1.15; }
.fo-calculator__head p { margin: 0; color: #cbd8e9; font-size: 14px; }
.fo-calculator__body { padding: 30px; }
.fo-field { margin-bottom: 28px; }
.fo-field label, .fo-label { display: block; margin-bottom: 10px; color: var(--fo-ink); font-weight: 800; }
.fo-money-input { display: flex; align-items: stretch; overflow: hidden; border: 2px solid var(--fo-line); border-radius: 12px; background: #fff; transition: border-color .15s, box-shadow .15s; }
.fo-money-input:focus-within { border-color: var(--fo-navy-2); box-shadow: 0 0 0 4px rgba(23,59,105,.1); }
.fo-money-input span { display: grid; place-items: center; min-width: 60px; background: var(--fo-soft); color: var(--fo-navy); font-size: 18px; font-weight: 900; }
.fo-money-input input { width: 100%; min-width: 0; border: 0; outline: 0; padding: 14px 16px; color: var(--fo-navy); font-size: 24px; font-weight: 850; }
.fo-range { width: 100%; margin: 20px 0 0; accent-color: var(--fo-orange); }
.fo-range-labels { display: flex; justify-content: space-between; margin-top: 4px; color: #8791a0; font-size: 12px; }
.fo-options { display: grid; grid-template-columns: repeat(4, 1fr); gap: 9px; }
.fo-options--terms { grid-template-columns: repeat(3, 1fr); }
.fo-options button { min-height: 46px; border: 2px solid var(--fo-line); border-radius: 10px; background: #fff; color: #475469; cursor: pointer; font-size: 14px; font-weight: 800; transition: .15s ease; }
.fo-options button:hover { border-color: var(--fo-navy-2); color: var(--fo-navy-2); }
.fo-options button.is-active { border-color: var(--fo-navy); background: var(--fo-navy); color: #fff; }

.fo-result { margin-top: 6px; overflow: hidden; border: 1px solid #bcebd4; border-radius: 16px; background: var(--fo-green-soft); }
.fo-result__flag { padding: 11px 18px; background: var(--fo-green); color: #fff; font-size: 13px; font-weight: 850; letter-spacing: .02em; }
.fo-result__main { padding: 24px 20px 18px; text-align: center; }
.fo-result__main span, .fo-result__main small { display: block; color: #507161; font-size: 13px; }
.fo-result__main strong { display: block; margin: 2px 0 0; color: #087546; font-size: clamp(38px, 8vw, 50px); line-height: 1.08; letter-spacing: -.035em; }
.fo-result__details { display: grid; grid-template-columns: repeat(3, 1fr); margin: 0; border-top: 1px solid #c9ead9; }
.fo-result__details div { padding: 15px 10px; text-align: center; }
.fo-result__details div + div { border-left: 1px solid #c9ead9; }
.fo-result__details dt { color: #648273; font-size: 11px; }
.fo-result__details dd { margin: 3px 0 0; color: #21553c; font-size: 14px; font-weight: 850; }

.fo-action { margin-top: 22px; text-align: center; }
.fo-primary-cta { display: flex; align-items: center; justify-content: center; gap: 14px; width: 100%; min-height: 66px; border-radius: 11px; background: linear-gradient(90deg, #ff6a00, var(--fo-orange) 52%, #e93108); box-shadow: 0 10px 24px rgba(255,84,26,.28); color: #fff; font-size: 17px; font-weight: 900; text-decoration: none; text-transform: uppercase; transition: transform .15s, box-shadow .15s; }
.fo-primary-cta:hover { transform: translateY(-2px); box-shadow: 0 14px 30px rgba(255,84,26,.36); }
.fo-action p { margin: 11px 0 0; color: #7d8795; font-size: 12px; }
.fo-disclaimer { margin-top: 22px; padding: 14px 16px; border-left: 4px solid #f0ad22; background: #fff9e9; color: #695c39; font-size: 12px; line-height: 1.55; }

.fo-section { padding: 76px 0; }
.fo-section--soft { background: var(--fo-soft); }
.fo-section__intro { max-width: 720px; margin: 0 auto 34px; text-align: center; }
.fo-section h2 { margin: 14px 0 12px; color: var(--fo-navy); font-size: clamp(28px, 4.5vw, 42px); line-height: 1.12; letter-spacing: -.03em; text-wrap: balance; }
.fo-section__intro p { margin: 0; color: var(--fo-muted); font-size: 17px; }
.fo-benefits { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.fo-benefits article { padding: 26px; border: 1px solid var(--fo-line); border-radius: 16px; background: #fff; }
.fo-benefits article > span { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 12px; background: #eaf0f8; color: var(--fo-navy-2); font-weight: 900; }
.fo-benefits h3 { margin: 18px 0 7px; color: var(--fo-navy); font-size: 19px; }
.fo-benefits p { margin: 0; color: var(--fo-muted); font-size: 14px; }
.fo-copy-grid { display: grid; grid-template-columns: .9fr 1.1fr; align-items: start; gap: 70px; }
.fo-copy-grid h2 { margin-bottom: 0; }
.fo-steps { display: grid; gap: 14px; }
.fo-steps div { display: grid; grid-template-columns: 40px 1fr; align-items: center; gap: 14px; padding: 16px 18px; border-radius: 13px; background: #fff; }
.fo-steps strong { display: grid; place-items: center; width: 36px; height: 36px; border-radius: 50%; background: var(--fo-orange); color: #fff; }
.fo-steps p { margin: 0; color: #536174; }
.fo-faq { max-width: 820px; }
.fo-faq details { border-top: 1px solid var(--fo-line); }
.fo-faq details:last-child { border-bottom: 1px solid var(--fo-line); }
.fo-faq summary { padding: 20px 4px; color: var(--fo-navy); cursor: pointer; font-weight: 850; }
.fo-faq details p { margin: -5px 0 20px; color: var(--fo-muted); }

.fo-footer { padding: 48px 0; background: #0c1c32; color: #c8d4e4; text-align: center; }
.fo-logo--footer { justify-content: center; }
.fo-footer__notice { max-width: 840px; margin: 22px auto; color: #aebdd0; font-size: 13px; }
.fo-footer nav { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px 24px; margin: 20px 0; }
.fo-footer nav a { color: #fff; font-size: 13px; text-decoration: none; }
.fo-footer nav a:hover { text-decoration: underline; }
.fo-footer__company, .fo-footer__copy { margin: 7px 0 0; color: #899bb3; font-size: 12px; }

@media (max-width: 760px) {
  .fo-shell { width: min(100% - 28px, 1160px); }
  .fo-header__inner { min-height: 60px; }
  .fo-logo { font-size: 20px; }
  .fo-logo svg { width: 31px; height: 31px; }
  .fo-market { padding: 6px 9px; font-size: 11px; }
  .fo-hero { padding: 54px 0 82px; }
  .fo-hero h1 { margin-top: 16px; font-size: 34px; line-height: 1.06; }
  .fo-hero p { font-size: 16px; }
  .fo-trust { gap: 9px 16px; font-size: 12px; }
  .fo-calculator-wrap { margin-top: -38px; padding-bottom: 54px; }
  .fo-calculator { border-radius: 17px; }
  .fo-calculator__head { padding: 20px; }
  .fo-calculator__head h2 { font-size: 20px; }
  .fo-calculator__head p { font-size: 12px; }
  .fo-calculator__body { padding: 20px; }
  .fo-field { margin-bottom: 24px; }
  .fo-money-input input { padding: 13px 14px; font-size: 21px; }
  .fo-money-input span { min-width: 52px; }
  .fo-options { grid-template-columns: repeat(2, 1fr); }
  .fo-options--terms { grid-template-columns: repeat(3, 1fr); }
  .fo-result__details { grid-template-columns: 1fr; }
  .fo-result__details div + div { border-top: 1px solid #c9ead9; border-left: 0; }
  .fo-result__main strong { font-size: 42px; }
  .fo-primary-cta { min-height: 62px; padding: 12px 14px; font-size: 15px; }
  .fo-section { padding: 56px 0; }
  .fo-section h2 { font-size: 30px; }
  .fo-section__intro p { font-size: 15px; }
  .fo-benefits, .fo-copy-grid { grid-template-columns: 1fr; }
  .fo-copy-grid { gap: 28px; }
  .fo-benefits article { padding: 22px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { scroll-behavior: auto !important; transition: none !important; }
}