:root{--bg:#f6f9ff;--surface:rgba(255,255,255,0.82);--surface-strong:#ffffff;--ink:#0b1220;--muted:#64748b;--border:#dbe7f5;--blue:#2563eb;--indigo:#4f46e5;--violet:#7c3aed;--emerald:#10b981;--amber:#f59e0b;--rose:#f43f5e;--shadow:0 26px 80px rgba(15,23,42,0.08)}*{box-sizing:border-box}body,html{margin:0;min-height:100%;color:var(--ink);background:radial-gradient(circle at 12% 10%,rgba(37,99,235,.1),transparent 28%),radial-gradient(circle at 82% 12%,rgba(124,58,237,.1),transparent 30%),linear-gradient(180deg,#ffffff 0,var(--bg) 100%);font-family:Sora,Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif}a{color:inherit;text-decoration:none}.shell{width:min(1180px,calc(100% - 32px));margin:0 auto}.header{position:-webkit-sticky;position:sticky;top:0;z-index:20;border-bottom:1px solid rgba(219,231,245,.72);background:rgba(255,255,255,.76);-webkit-backdrop-filter:blur(18px);backdrop-filter:blur(18px)}.header__inner{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:inline-flex;align-items:center;gap:10px;font-weight:850;letter-spacing:-.04em}.brand__mark{width:34px;height:34px;border-radius:12px;background:linear-gradient(135deg,var(--blue),var(--indigo),var(--violet));box-shadow:0 14px 34px rgba(79,70,229,.24)}.nav{display:flex;gap:16px;color:var(--muted);font-size:14px;font-weight:700}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:0 18px;border-radius:14px;border:1px solid var(--border);background:var(--surface);font-weight:800}.btn--primary{color:#ffffff;border:0;background:linear-gradient(135deg,var(--blue),var(--indigo) 48%,var(--violet));box-shadow:0 18px 36px rgba(79,70,229,.24)}.hero{padding:54px 0 44px}.hero__grid{display:grid;grid-template-columns:minmax(0,.92fr) minmax(420px,1.08fr);align-items:center;grid-gap:42px;gap:42px}.eyebrow{display:inline-flex;padding:9px 14px;border-radius:999px;border:1px solid var(--border);color:var(--blue);background:var(--surface);font-size:12px;font-weight:850;letter-spacing:.12em;text-transform:uppercase}h1{margin:22px 0 0;font-size:clamp(44px,7vw,78px);line-height:.96;letter-spacing:-.065em}.gradient,h1 span{color:transparent;background:linear-gradient(135deg,var(--blue),var(--indigo),var(--violet));-webkit-background-clip:text;background-clip:text}.lead{max-width:680px;margin:24px 0 0;color:var(--muted);font-size:20px;line-height:1.55}.hero__actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.console{position:relative;min-height:520px;padding:28px;border:1px solid rgba(219,231,245,.94);border-radius:34px;background:radial-gradient(circle at 50% 40%,rgba(255,255,255,.96),rgba(239,246,255,.72)),linear-gradient(135deg,rgba(255,255,255,.88),rgba(247,250,255,.72));box-shadow:var(--shadow);overflow:hidden}.console:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(79,70,229,.04) 1px,transparent 0),linear-gradient(90deg,rgba(79,70,229,.04) 1px,transparent 0);background-size:34px 34px;-webkit-mask-image:radial-gradient(circle at 50% 50%,#000,transparent 76%);mask-image:radial-gradient(circle at 50% 50%,#000,transparent 76%)}.console>*{position:relative}.prompt{display:grid;grid-gap:12px;gap:12px}.prompt__input{width:100%;min-height:62px;padding:0 20px;border:1px solid var(--border);border-radius:20px;background:rgba(255,255,255,.9);color:var(--ink);font:inherit;font-weight:700;box-shadow:inset 0 1px 0 rgba(255,255,255,1)}.cards,.metrics,.quick-grid{display:grid;grid-gap:14px;gap:14px}.quick-grid{grid-template-columns:repeat(2,minmax(0,1fr));margin-top:20px}.card,.chip{border:1px solid var(--border);background:var(--surface);border-radius:20px;box-shadow:0 16px 40px rgba(15,23,42,.055)}.chip{padding:14px 16px;color:#334155;font-size:14px;font-weight:760}.cards{grid-template-columns:repeat(3,minmax(0,1fr));margin-top:26px}.card{padding:20px}.card h2,.card h3{margin:0;letter-spacing:-.035em}.card p{color:var(--muted);line-height:1.5}.section{padding:42px 0}.section h2{margin:0 0 18px;font-size:clamp(30px,4vw,48px);line-height:1.02;letter-spacing:-.055em}.hero--premium{position:relative}.hero--premium:before{content:"";position:absolute;inset:8% 4% auto;height:360px;pointer-events:none;background:radial-gradient(circle at 22% 20%,rgba(37,99,235,.1),transparent 34%),radial-gradient(circle at 74% 16%,rgba(124,58,237,.09),transparent 34%);filter:blur(8px)}.hero--premium>*{position:relative}.premium-hero-aside{min-width:0}.trust-strip{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}.premium-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:18px;gap:18px}.premium-grid--3{grid-template-columns:repeat(3,minmax(0,1fr))}.premium-grid--4{grid-template-columns:repeat(4,minmax(0,1fr))}.split-section{display:grid;grid-template-columns:minmax(280px,.82fr) minmax(0,1.18fr);grid-gap:20px;gap:20px;align-items:start}.calculator-panel,.chat-panel,.comparison-table,.disclosure-panel,.offer-card,.premium-card,.risk-warning{border:1px solid rgba(219,231,245,.92);background:radial-gradient(circle at 10% 0,rgba(37,99,235,.07),transparent 30%),linear-gradient(180deg,rgba(255,255,255,.9),rgba(248,251,255,.78));box-shadow:0 20px 56px rgba(15,23,42,.065),inset 0 1px 0 rgba(255,255,255,.92);-webkit-backdrop-filter:blur(18px);backdrop-filter:blur(18px)}.calculator-panel,.chat-panel,.offer-card,.premium-card{display:grid;grid-gap:14px;gap:14px;padding:22px;border-radius:26px}.premium-card--blue{background:radial-gradient(circle at 0 0,rgba(37,99,235,.12),transparent 34%),rgba(255,255,255,.78)}.premium-card--emerald{background:radial-gradient(circle at 0 0,rgba(16,185,129,.13),transparent 34%),rgba(255,255,255,.78)}.premium-card--amber{background:radial-gradient(circle at 0 0,rgba(245,158,11,.14),transparent 34%),rgba(255,255,255,.78)}.premium-card--rose{background:radial-gradient(circle at 0 0,rgba(244,63,94,.12),transparent 34%),rgba(255,255,255,.78)}.premium-card--violet{background:radial-gradient(circle at 0 0,rgba(124,58,237,.12),transparent 34%),rgba(255,255,255,.78)}.calculator-panel h2,.chat-panel h2,.offer-card h3,.premium-card h2,.premium-card h3{margin:0;letter-spacing:-.04em}.calculator-panel p,.chat-panel p,.disclosure-panel,.offer-card p,.premium-card p,.risk-warning{margin:0;color:var(--muted);line-height:1.55}.premium-badge{display:inline-flex;align-items:center;width:-moz-fit-content;width:fit-content;min-height:34px;padding:0 12px;border:1px solid rgba(79,70,229,.18);border-radius:999px;color:#3730a3;background:rgba(238,242,255,.84);font-size:13px;font-weight:850}.risk-warning{margin-top:18px;color:#713f12;background:radial-gradient(circle at 0 0,rgba(245,158,11,.14),transparent 36%),rgba(255,251,235,.88)}.disclosure-panel,.risk-warning{padding:18px 20px;border-radius:22px}.product-table{display:grid;grid-gap:9px;gap:9px;margin:0}.product-table div{display:flex;justify-content:space-between;gap:14px;padding-bottom:9px;border-bottom:1px solid rgba(219,231,245,.72)}.product-table div:last-child{padding-bottom:0;border-bottom:0}.product-table dt{color:var(--muted);font-size:13px;font-weight:760}.product-table dd{margin:0;color:var(--ink);font-weight:850;text-align:right}.offer-card{position:relative;min-width:0}.offer-card__head{display:flex;justify-content:space-between;gap:14px;align-items:flex-start}.offer-card__reason{padding:14px;border:1px solid rgba(219,231,245,.84);border-radius:18px;background:rgba(255,255,255,.66)}.offer-card__reason strong{display:block;margin-bottom:4px}.offer-card__warning{color:#92400e!important;font-weight:800}.institution-grid,.rating-list{display:grid;grid-gap:16px;gap:16px}.institution-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.institution-card,.institution-identity,.offer-mini-card,.rating-row,.review-card{min-width:0;border:1px solid rgba(219,231,245,.92);background:radial-gradient(circle at 0 0,rgba(37,99,235,.08),transparent 30%),linear-gradient(180deg,rgba(255,255,255,.9),rgba(248,251,255,.78));box-shadow:0 20px 56px rgba(15,23,42,.06),inset 0 1px 0 rgba(255,255,255,.94);-webkit-backdrop-filter:blur(18px);backdrop-filter:blur(18px)}.institution-card,.rating-row{display:grid;align-items:center;grid-gap:16px;gap:16px;color:inherit;text-decoration:none;transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease}.institution-card{grid-template-columns:58px minmax(0,1fr) auto;padding:18px;border-radius:26px}.institution-card:hover,.rating-row:hover{transform:translateY(-3px);border-color:rgba(79,70,229,.26);box-shadow:0 28px 68px rgba(15,23,42,.09)}.institution-card h3,.institution-identity h2,.offer-mini-card h3,.rating-row h2,.review-card h3{margin:0;color:var(--ink);letter-spacing:-.04em}.institution-card p,.institution-identity p,.offer-mini-card p,.rating-row p,.review-card p{margin:0;color:var(--muted);line-height:1.5}.institution-card__meta,.rating-row__facts,.review-card__footer{display:flex;flex-wrap:wrap;gap:8px;align-items:center;justify-content:flex-end;color:var(--muted);font-size:13px;font-weight:820}.institution-logo{width:58px;height:58px;display:grid;place-items:center;flex:0 0 auto;border:1px solid rgba(79,70,229,.18);border-radius:20px;color:#3730a3;background:radial-gradient(circle at 30% 20%,rgba(255,255,255,.95),transparent 34%),linear-gradient(135deg,rgba(37,99,235,.12),rgba(124,58,237,.12));box-shadow:0 14px 34px rgba(79,70,229,.12),inset 0 1px 0 rgba(255,255,255,.92);font-size:16px;font-weight:900;letter-spacing:-.04em}.institution-logo--large{width:86px;height:86px;border-radius:28px;font-size:24px}.institution-detail-hero{display:grid;grid-template-columns:minmax(0,.95fr) minmax(360px,.85fr);grid-gap:24px;gap:24px;align-items:center}.institution-identity{display:grid;grid-template-columns:86px minmax(0,1fr) auto;align-items:center;grid-gap:18px;gap:18px;padding:22px;border-radius:30px}.rating-orb{width:112px;height:112px;display:grid;place-items:center;align-content:center;grid-gap:1px;gap:1px;border:1px solid rgba(79,70,229,.2);border-radius:999px;background:radial-gradient(circle at 50% 30%,#ffffff,rgba(238,242,255,.92));box-shadow:0 20px 48px rgba(79,70,229,.12),0 0 0 10px rgba(79,70,229,.035),inset 0 1px 0 rgba(255,255,255,1)}.rating-orb strong{color:var(--ink);font-size:32px;line-height:1;letter-spacing:-.06em}.rating-orb small,.rating-orb span{color:var(--muted);font-size:12px;font-weight:850}.source-link{color:var(--blue);font-weight:850}.offer-mini-card,.review-card{display:grid;grid-gap:14px;gap:14px;padding:20px;border-radius:24px}.review-card-link{color:inherit;text-decoration:none}.review-card__head{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;color:var(--muted);font-size:13px;font-weight:820}.review-card__footer{justify-content:flex-start}.rating-row__facts span,.review-card__footer span{display:inline-flex;align-items:center;min-height:30px;padding:0 10px;border:1px solid var(--border);border-radius:999px;background:rgba(255,255,255,.72)}.rating-list{width:min(1120px,calc(100% - 32px))}.rating-row{grid-template-columns:52px 58px minmax(0,1fr) auto auto;padding:18px;border-radius:28px}.rating-row__place{color:#3730a3;font-size:18px;font-weight:900}.calculator-panel{min-height:100%}.chat-panel{align-content:start}.comparison-table{display:grid;overflow:hidden;border-radius:24px}.comparison-table [role=row]{display:grid;grid-template-columns:1.2fr 1fr 1.2fr .9fr;grid-gap:12px;gap:12px;padding:15px 18px;border-bottom:1px solid rgba(219,231,245,.78)}.comparison-table [role=row]:last-child{border-bottom:0}.comparison-table [role=columnheader]{color:var(--muted);font-size:12px;font-weight:850;letter-spacing:.08em;text-transform:uppercase}.comparison-table [role=cell]{color:#334155;font-size:14px;font-weight:720;line-height:1.35}.content-hero{padding-top:18px}.content-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));grid-gap:18px;gap:18px}.content-layout{width:min(860px,calc(100% - 32px))}.article-header{display:grid;grid-gap:14px;gap:14px;padding:clamp(24px,5vw,42px);border:1px solid var(--border);border-radius:30px;background:radial-gradient(circle at 12% 0,rgba(37,99,235,.1),transparent 32%),linear-gradient(180deg,rgba(255,255,255,.92),rgba(248,251,255,.82));box-shadow:var(--shadow)}.article-header h1{margin-top:4px;font-size:clamp(40px,6vw,68px)}.article-meta{display:flex;flex-wrap:wrap;gap:10px;color:var(--muted);font-size:13px;font-weight:750}.article-meta span,.content-tags span,.status-badge{display:inline-flex;align-items:center;min-height:30px;padding:0 11px;border:1px solid var(--border);border-radius:999px;background:rgba(255,255,255,.72)}.status-badge{width:-moz-fit-content;width:fit-content;color:var(--amber);font-size:12px;font-weight:850;text-transform:uppercase}.content-tags{display:flex;flex-wrap:wrap;gap:8px}.content-tags span{color:#334155;font-size:12px;font-weight:760}.content-card{display:grid;grid-gap:12px;gap:12px;min-height:220px;padding:22px;border:1px solid var(--border);border-radius:24px;background:radial-gradient(circle at 12% 0,rgba(79,70,229,.08),transparent 32%),rgba(255,255,255,.78);box-shadow:0 18px 48px rgba(15,23,42,.06);transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}.content-card:hover{transform:translateY(-3px);border-color:rgba(79,70,229,.28);box-shadow:0 26px 64px rgba(15,23,42,.09)}.content-card h2,.content-card h3{margin:0;letter-spacing:-.035em}.content-card p{margin:0;color:var(--muted);line-height:1.5}.content-card--wide{grid-column:1/-1}.article-body{margin-top:32px;padding:clamp(22px,4vw,36px);border:1px solid var(--border);border-radius:28px;background:rgba(255,255,255,.76);box-shadow:0 18px 48px rgba(15,23,42,.055)}.article-body h1,.article-body h2,.article-body h3{margin:26px 0 12px;letter-spacing:-.04em}.article-body h1:first-child,.article-body h2:first-child,.article-body h3:first-child{margin-top:0}.article-body li,.article-body p{color:#334155;font-size:17px;line-height:1.72}.article-body ul{display:grid;grid-gap:8px;gap:8px;padding-left:22px}.editorial-block{margin-top:24px;padding:24px;border:1px solid var(--border);border-radius:24px;background:rgba(255,255,255,.72)}.editorial-block h2{font-size:clamp(24px,3vw,34px)}.faq-list,.related-links{display:grid;grid-gap:12px;gap:12px}.related-links{grid-template-columns:repeat(2,minmax(0,1fr))}.source-list{display:grid;grid-gap:12px;gap:12px;margin:0;padding:0;list-style:none}.source-list li{display:grid;grid-gap:4px;gap:4px;color:var(--muted);font-size:14px}.source-list a{color:var(--blue);font-weight:800}.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.chat-product{padding-bottom:56px}.chat-product__panel{display:grid;grid-template-columns:minmax(260px,.42fr) minmax(0,1fr);grid-gap:18px;gap:18px;min-height:720px;padding:18px;border:1px solid rgba(219,231,245,.92);border-radius:34px;background:radial-gradient(circle at 20% 12%,rgba(37,99,235,.09),transparent 32%),radial-gradient(circle at 86% 22%,rgba(124,58,237,.09),transparent 34%),rgba(255,255,255,.72);box-shadow:var(--shadow)}.chat-product__sidebar,.chat-window{border:1px solid var(--border);border-radius:28px;background:rgba(255,255,255,.74);box-shadow:inset 0 1px 0 rgba(255,255,255,.95)}.chat-product__sidebar{display:grid;align-content:start;grid-gap:18px;gap:18px;padding:24px}.chat-product__sidebar h2{margin:0;font-size:clamp(28px,4vw,42px);line-height:1;letter-spacing:-.055em}.chat-product__sidebar p{margin:0;color:var(--muted);line-height:1.55}.chat-trust{display:grid;grid-gap:10px;gap:10px}.chat-trust span{display:inline-flex;width:-moz-fit-content;width:fit-content;min-height:34px;align-items:center;padding:0 12px;border:1px solid var(--border);border-radius:999px;color:#334155;background:rgba(255,255,255,.78);font-size:13px;font-weight:800}.chat-window{display:grid;grid-template-rows:minmax(320px,1fr) auto auto;min-width:0;overflow:hidden}.chat-window__messages{display:grid;align-content:start;grid-gap:14px;gap:14px;max-height:540px;padding:20px;overflow:auto}.chat-bubble{width:min(760px,100%);padding:16px;border:1px solid var(--border);border-radius:22px;background:rgba(255,255,255,.82);box-shadow:0 14px 38px rgba(15,23,42,.055)}.chat-bubble p{margin:0;color:#334155;line-height:1.55}.chat-bubble--user{justify-self:end;color:#ffffff;border-color:transparent;background:linear-gradient(135deg,var(--blue),var(--indigo) 48%,var(--violet))}.chat-bubble--user p{color:#ffffff;font-weight:760}.chat-bubble--assistant{justify-self:start}.chat-response-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:12px;gap:12px;margin-top:14px}.chat-card{display:grid;grid-gap:10px;gap:10px;padding:14px;border:1px solid rgba(219,231,245,.9);border-radius:18px;background:radial-gradient(circle at 0 0,rgba(79,70,229,.07),transparent 38%),rgba(248,251,255,.82)}.chat-card--wide{grid-column:1/-1}.chat-card h3{margin:0;letter-spacing:-.035em}.tool-status{display:flex;flex-wrap:wrap;gap:8px}.tool-status span{display:inline-flex;align-items:center;min-height:30px;padding:0 10px;border:1px solid rgba(79,70,229,.16);border-radius:999px;color:#3730a3;background:rgba(238,242,255,.86);font-size:12px;font-weight:820}.metric-list{display:grid;grid-gap:8px;gap:8px;margin:0}.metric-list div{display:flex;justify-content:space-between;gap:14px}.metric-list dt{color:var(--muted);font-size:13px;font-weight:760}.metric-list dd{margin:0;color:var(--ink);font-weight:850}.chat-offers{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));grid-gap:12px;gap:12px}.chat-offer{display:grid;grid-gap:10px;gap:10px;padding:14px;border:1px solid var(--border);border-radius:18px;background:rgba(255,255,255,.78)}.chat-offer h3{margin:0;font-size:17px}.chat-offer p{font-size:13px}.chat-warning{color:#92400e!important;font-weight:800}.chat-window__quick{grid-template-columns:repeat(5,minmax(0,1fr));padding:0 20px 16px}.chat-window__quick .chip{width:100%;cursor:pointer;text-align:left;font:inherit}.chat-window__quick .chip:disabled{cursor:not-allowed;opacity:.58}.chat-form{display:grid;grid-template-columns:minmax(0,1fr) auto;grid-gap:12px;gap:12px;padding:16px 20px 20px;border-top:1px solid var(--border)}.warning{margin-top:18px;padding:16px 18px;border:1px solid rgba(245,158,11,.28);border-radius:18px;color:#713f12;background:rgba(255,251,235,.9);font-weight:700}.footer{margin-top:40px;padding:34px 0;color:var(--muted);border-top:1px solid var(--border)}.admin-form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:12px;gap:12px;margin:16px 0}.admin-form label{display:grid;grid-gap:6px;gap:6px;color:var(--muted);font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.06em}.admin-form input,.admin-form textarea{width:100%;min-height:42px;padding:10px 12px;border:1px solid var(--border);border-radius:12px;color:var(--ink);background:rgba(255,255,255,.88);font:inherit;text-transform:none;letter-spacing:normal}.admin-form textarea{min-height:110px;resize:vertical}.admin-json{max-height:560px;overflow:auto;padding:16px;border-radius:16px;background:#0b1220;color:#dbeafe;font-size:12px;line-height:1.45}@media (max-width:920px){.cards,.chat-offers,.chat-product__panel,.content-grid,.hero__grid,.institution-detail-hero,.institution-grid,.premium-grid,.premium-grid--3,.premium-grid--4,.split-section{grid-template-columns:1fr}.institution-card,.institution-identity,.rating-row{grid-template-columns:1fr;justify-items:start}.institution-card__meta,.rating-row__facts{justify-content:flex-start}.comparison-table [role=row]{grid-template-columns:1fr 1fr}.nav{display:none}}@media (max-width:560px){.admin-form,.chat-form,.chat-response-grid,.quick-grid,.related-links{grid-template-columns:1fr}.console{padding:20px}.chat-product__panel,.console{min-height:auto;border-radius:26px}.chat-product__panel{padding:10px}.chat-product__sidebar,.chat-window{border-radius:22px}.chat-window__messages{max-height:620px;padding:14px}.chat-window__quick{padding:0 14px 14px}.chat-form{padding:14px}.hero{padding:36px 0 28px}h1{font-size:clamp(38px,12vw,54px)}.calculator-panel,.chat-panel,.offer-card,.premium-card{padding:18px;border-radius:22px}.offer-card__head,.product-table div{display:grid;grid-template-columns:1fr}.product-table dd{text-align:left}.comparison-table{overflow-x:hidden}.comparison-table [role=row]{grid-template-columns:1fr}}