:root{--primary:#ff7f0e;--primary-hover:#e6730d;--secondary:#2e86de;--dark:#333;--light:#f9fafb;--gray:#6b7280;--border:#e5e7eb}*{box-sizing:border-box;margin:0;padding:0}body{font-family:'Inter',sans-serif;color:var(--dark);line-height:1.5;background-color:#fff;-webkit-font-smoothing:antialiased;padding-top:80px}.header{position:fixed;top:0;left:0;right:0;background:#fff;box-shadow:0 1px 3px rgba(0,0,0,.1);z-index:1000;padding:15px 0;animation:fadeInDown .5s ease-out}.header-container{display:flex;justify-content:space-between;align-items:center;max-width:1200px;margin:0 auto;padding:0 20px}.logo img{height:60px;width:auto;transition:transform .3s ease}.logo:hover img{transform:scale(1.05)}.nav-desktop{display:flex;align-items:center;gap:15px}.nav-link{color:var(--dark);font-weight:500;text-decoration:none;padding:8px 12px;border-radius:6px;transition:all .2s;position:relative}.nav-link:hover{background:rgba(255,127,14,.1);color:var(--primary)}.nav-link::after{content:'';position:absolute;bottom:-2px;left:50%;width:0;height:2px;background:var(--primary);transition:all .3s ease}.nav-link:hover::after{width:100%;left:0}.dropdown{position:relative}.dropdown-content{position:absolute;top:100%;left:0;background:#fff;box-shadow:0 4px 6px rgba(0,0,0,.1);border-radius:8px;min-width:200px;padding:8px 0;opacity:0;visibility:hidden;transition:all .3s ease;z-index:100;transform:translateY(10px)}.dropdown:hover .dropdown-content{opacity:1;visibility:visible;transform:translateY(0)}.dropdown-item{display:block;padding:10px 16px;color:var(--dark);text-decoration:none;transition:all .2s}.dropdown-item:hover{background:rgba(255,127,14,.1);color:var(--primary);padding-left:20px}.btn{display:inline-block;background:var(--primary);color:#fff;font-weight:600;padding:10px 20px;border-radius:8px;text-decoration:none;transition:all .3s cubic-bezier(.25,.8,.25,1);border:none;cursor:pointer;position:relative;overflow:hidden}.btn:hover{background:var(--primary-hover);transform:translateY(-2px);box-shadow:0 4px 8px rgba(0,0,0,.15)}.btn:active{transform:translateY(0)}.btn::after{content:'';position:absolute;top:50%;left:50%;width:5px;height:5px;background:rgba(255,255,255,.5);opacity:0;border-radius:100%;transform:scale(1,1) translate(-50%,-50%);transform-origin:50% 50%}.btn:focus:not(:active)::after {animation:ripple .6s ease-out}.mobile-menu-btn{display:none;background:none;border:none;cursor:pointer;padding:8px;transition:transform .3s ease}.mobile-menu-btn:hover{transform:rotate(90deg)}.hero{padding:100px 0 60px;background:linear-gradient(135deg,#ff7f0e 0%,#e6730d 100%);color:#fff;text-align:center;margin-top:-80px;animation:fadeIn .8s ease-out}.hero-container{max-width:1200px;margin:0 auto;padding:0 20px}.hero-title{font-size:2.5rem;font-weight:700;margin-bottom:20px;line-height:1.2;animation:slideInUp .8s ease-out}.hero-subtitle{font-size:1.125rem;opacity:.9;margin-bottom:30px;animation:slideInUp .8s ease-out .2s forwards;opacity:0}.hero-btn{background:#fff;color:var(--primary);font-weight:600;padding:14px 28px;border-radius:8px;box-shadow:0 4px 6px rgba(0,0,0,.1);display:inline-block;transition:all .3s ease;animation:slideInUp .8s ease-out .4s forwards;opacity:0}.hero-btn:hover{transform:translateY(-3px) scale(1.02);box-shadow:0 6px 12px rgba(0,0,0,.15)}.benefits{padding:60px 0}.section-title{text-align:center;font-size:2rem;font-weight:700;margin-bottom:40px;color:var(--dark);position:relative}.section-title::after{content:'';position:absolute;bottom:-10px;left:50%;width:100px;height:3px;background:var(--primary);transform:translateX(-50%) scaleX(0);transform-origin:center;transition:transform .5s ease}.section-title:hover::after{transform:translateX(-50%) scaleX(1)}.benefits-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:20px;max-width:1200px;margin:0 auto;padding:0 20px}.benefit-card{background:#fff;border-radius:12px;padding:30px;box-shadow:0 4px 6px rgba(0,0,0,.05);transition:all .3s cubic-bezier(.25,.8,.25,1);text-align:center;border:1px solid var(--border);opacity:0;transform:translateY(20px)}.benefit-card.animated{opacity:1;transform:translateY(0)}.benefit-card:hover{transform:translateY(-5px) scale(1.02);box-shadow:0 10px 20px rgba(0,0,0,.1)}.benefit-icon{width:60px;height:60px;margin:0 auto 20px;display:flex;align-items:center;justify-content:center;background:rgba(255,127,14,.1);border-radius:12px;transition:all .3s ease}.benefit-card:hover .benefit-icon{background:rgba(255,127,14,.2);transform:rotate(5deg) scale(1.1)}.benefit-title{font-size:1.25rem;font-weight:600;margin-bottom:12px;transition:color .3s ease}.benefit-card:hover .benefit-title{color:var(--primary)}.benefit-text{color:var(--gray);transition:color .3s ease}.benefit-card:hover .benefit-text{color:var(--dark)}.calculator{padding:60px 0;background:var(--light);animation:fadeIn .8s ease-out}.calculator-container{max-width:1200px;margin:0 auto;padding:0 20px}.how-it-works{padding:60px 0}.steps{max-width:800px;margin:0 auto;padding:0 20px}.step{display:flex;margin-bottom:30px;align-items:flex-start;opacity:0;transform:translateX(-20px);transition:all .5s ease}.step.animated{opacity:1;transform:translateX(0)}.step-number{width:40px;height:40px;background:var(--primary);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:600;margin-right:20px;flex-shrink:0;transition:all .3s ease}.step:hover .step-number{transform:scale(1.1) rotate(5deg);box-shadow:0 4px 8px rgba(0,0,0,.1)}.step-title{font-size:1.25rem;font-weight:600;margin-bottom:8px;transition:color .3s ease}.step:hover .step-title{color:var(--primary)}.step-text{color:var(--gray);transition:color .3s ease}.step:hover .step-text{color:var(--dark)}.risks{padding:80px 0;background-color:var(--light);text-align:center}.risks-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:30px;max-width:1200px;margin:0 auto;padding:0 20px}.risk-card{background:#fff;border-radius:12px;padding:30px 20px;box-shadow:0 4px 12px rgba(0,0,0,.05);display:flex;align-items:flex-start;transition:all .3s ease;border:1px solid var(--border);opacity:0;transform:translateY(20px)}.risk-card.animated{opacity:1;transform:translateY(0)}.risk-card:hover{transform:translateY(-5px);box-shadow:0 8px 20px rgba(0,0,0,.1)}.risk-icon{width:48px;height:48px;background-color:var(--primary);color:#fff;font-size:20px;font-weight:700;border-radius:50%;display:flex;align-items:center;justify-content:center;margin-right:16px;flex-shrink:0}.risk-content{text-align:left}.risk-title{font-size:18px;font-weight:600;color:var(--dark);margin:0 0 8px 0}.risk-text{font-size:15px;color:var(--gray);margin:0}.faq{padding:80px 0;background-color:#fff;text-align:center}.faq-items{max-width:800px;margin:0 auto;padding:0 20px}.faq-item{border-bottom:1px solid var(--border);margin-bottom:10px;opacity:0;transform:translateY(10px)}.faq-item.animated{opacity:1;transform:translateY(0)}.faq-item:last-child{border-bottom:none}.faq-question{display:flex;justify-content:space-between;align-items:center;padding:16px 20px;background-color:var(--light);border-radius:10px;cursor:pointer;font-size:18px;font-weight:600;color:var(--dark);transition:all .3s ease}.faq-question:hover{background-color:#f0f0f0}.faq-question svg{transition:transform .3s ease;width:20px;height:20px;flex-shrink:0}.faq-answer{max-height:0;overflow:hidden;transition:max-height .4s ease , padding .4s ease;padding:0 20px;color:var(--gray);font-size:15px;text-align:left;background-color:#fff}.faq-answer p{margin:16px 0}.faq-answer.active{max-height:300px;padding:16px 20px}.footer{background:var(--dark);color:#fff;padding:60px 0 30px;animation:fadeInUp .8s ease-out}.footer-container{max-width:1200px;margin:0 auto;padding:0 20px;display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:40px}.footer-logo img{height:80px;margin-bottom:20px;transition:transform .3s ease}.footer-logo:hover img{transform:scale(1.05)}.footer-about{color:rgba(255,255,255,.7);margin-bottom:20px}.footer-title{font-size:1.125rem;font-weight:600;margin-bottom:20px;color:#fff;position:relative;display:inline-block}.footer-title::after{content:'';position:absolute;bottom:-5px;left:0;width:0;height:2px;background:var(--primary);transition:width .3s ease}.footer-title:hover::after{width:100%}.footer-links{display:flex;flex-direction:column;gap:12px}.footer-link{color:rgba(255,255,255,.7);text-decoration:none;transition:all .3s ease;position:relative;padding-left:0}.footer-link::before{content:'';position:absolute;bottom:0;left:0;width:0;height:1px;background:var(--primary);transition:width .3s ease}.footer-link:hover{color:#fff;padding-left:10px}.footer-link:hover::before{width:5px}.footer-bottom{text-align:center;padding-top:40px;margin-top:40px;border-top:1px solid rgba(255,255,255,.1);color:rgba(255,255,255,.6);font-size:.875rem}@keyframes fadeIn {
    from { opacity: 0; }
    to { opacity: 1; }
}@keyframes fadeInDown {
    from {
        opacity: 0;
        transform: translateY(-20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}@keyframes slideInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}@keyframes ripple {
    0% {
        transform: scale(0, 0);
        opacity: 1;
    }
    20% {
        transform: scale(25, 25);
        opacity: 1;
    }
    100% {
        opacity: 0;
        transform: scale(40, 40);
    }
}@media (max-width:768px){body{padding-top:70px}.nav-desktop{display:none}.mobile-menu-btn{display:block}.hero{padding:80px 0 40px;margin-top:-70px}.hero-title{font-size:2rem}.section-title{font-size:1.75rem}.step{flex-direction:column}.step-number{margin-bottom:15px}}.mobile-menu{display:none;position:fixed;top:70px;left:0;right:0;bottom:0;background:#fff;z-index:999;padding:20px;overflow-y:auto;box-shadow:0 5px 10px rgba(0,0,0,.1)}.mobile-menu.active{display:block}.mobile-nav{display:flex;flex-direction:column;gap:15px}.mobile-menu-item{border-bottom:1px solid #eee;padding-bottom:10px}.mobile-menu-toggle{display:flex;justify-content:space-between;align-items:center;padding:8px 0;color:#333;text-decoration:none;font-weight:500}.mobile-dropdown{display:none;padding-left:15px;flex-direction:column;gap:10px;margin-top:10px}.mobile-dropdown.active{display:flex}.dropdown-item{padding:8px 0;color:#555}.no-scroll{overflow:hidden}@media (max-width:992px){.mobile-menu-btn{display:block}.nav-desktop{display:none}}