.phero{position:relative;overflow:hidden;color:#fff;background:var(--navy) url("/media/liity_1800x620.jpg") center 40%/cover no-repeat;padding:92px 0 96px}
.phero p{font-size:19px;color:rgba(255,255,255,.9);max-width:640px}
.join .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:start}
.join p{margin-bottom:16px;color:#2a3744}
.why{display:grid;gap:14px;margin-top:28px}
.why li{list-style:none;display:flex;gap:16px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px}
.why .ic{flex:0 0 42px;height:42px;border-radius:11px;background:var(--navy);display:grid;place-items:center}
.why .ic svg{width:22px;height:22px;stroke:var(--amber);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.why b{display:block;font-family:Poppins,Arial,sans-serif;font-weight:600;font-size:15.5px;color:var(--navy);margin-bottom:2px}
.why span{font-size:14.5px;color:var(--muted)}
.card{background:var(--navy);color:#fff;border-radius:18px;padding:36px 36px 32px;box-shadow:0 22px 50px rgba(15,39,64,.18);position:sticky;top:110px}
.card h2{color:#fff;font-size:24px;margin-bottom:6px}
.card .sub{color:rgba(255,255,255,.75);font-size:14.5px;margin-bottom:22px}
.fees{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px;margin-bottom:22px}
.fee{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:12px;padding:14px 12px;text-align:center}
.fee b{display:block;font-family:Poppins,Arial,sans-serif;font-weight:700;font-size:26px;line-height:1;color:var(--amber)}
.fee span{display:block;font-size:12.5px;color:rgba(255,255,255,.8);margin-top:6px;line-height:1.35}
.card .btn{display:block;text-align:center;font-size:16px;padding:15px 22px}
.card .note{font-size:13.5px;color:rgba(255,255,255,.75);margin-top:16px;line-height:1.55}
.card .note a{color:#fff;border-bottom:1px solid rgba(255,255,255,.4)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:44px}
.step{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px 26px 22px}
.step .n{width:40px;height:40px;border-radius:10px;background:var(--navy);color:var(--amber);display:grid;place-items:center;font-family:Poppins,Arial,sans-serif;font-weight:700;font-size:16px;margin-bottom:14px}
.step h3{font-size:17px;font-weight:600;margin-bottom:6px}
.step p{font-size:14.5px;color:var(--muted)}
.alt{margin-top:36px;background:#fff;border:1px solid var(--line);border-left:5px solid var(--teal);border-radius:12px;padding:22px 26px}
.alt h3{font-size:16px;font-weight:600;margin-bottom:6px}
.alt p{font-size:15px;color:#2a3744;margin:0}
@media (max-width:900px){.join .wrap,.steps{grid-template-columns:1fr}.card{position:static}.fgrid{grid-template-columns:1fr 1fr}.menu{display:none}.phero h1{font-size:40px}.sec h2{font-size:30px}}
.phero{background-image:url("/media/yti_1800x620.jpg")}
.kpis{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}
.kpi{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);border-radius:12px;padding:12px 16px;min-width:150px}
.kpi b{display:block;font-family:Poppins,Arial,sans-serif;font-weight:700;font-size:26px;line-height:1;color:#fff}
.kpi b em{font-style:normal;color:var(--amber)}
.kpi span{font-size:12.5px;color:rgba(255,255,255,.8)}
.gauge{background:#fff;border:1px solid var(--line);border-radius:18px;padding:32px 34px 28px;margin-top:0;position:relative;z-index:2;box-shadow:0 18px 44px rgba(15,39,64,.12)}
.gauge h2{font-size:22px;margin-bottom:6px}
.gauge p{color:var(--muted);font-size:14.5px;margin-bottom:18px}
.scale{position:relative;height:74px}
.scale .track{position:absolute;left:0;right:0;top:30px;height:14px;border-radius:7px;background:linear-gradient(90deg,#2d6ab8 0%,#dfe6ee 50%,#b83250 100%)}
.scale .zero{position:absolute;left:50%;top:22px;width:2px;height:30px;background:var(--navy)}
.scale .pin{position:absolute;top:8px;transform:translateX(-50%);text-align:center}
.scale .pin b{display:block;font-family:Poppins,Arial,sans-serif;font-weight:700;font-size:26px;color:var(--navy);line-height:1}
.scale .pin i{display:block;width:0;height:0;margin:4px auto 0;border-left:9px solid transparent;border-right:9px solid transparent;border-top:12px solid var(--navy)}
.scale .lab{position:absolute;top:52px;font-size:12.5px;color:var(--muted)}
.scale .lab.l{left:0}
.scale .lab.c{left:50%;transform:translateX(-50%)}
.scale .lab.r{right:0}
.legend{display:flex;gap:22px;flex-wrap:wrap;font-size:13.5px;color:var(--muted);margin-top:10px}
.legend i{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.drows{margin-top:26px;display:grid;gap:10px}
.drow{display:grid;grid-template-columns:260px 1fr 56px;gap:18px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 16px}
.drow .dl b{display:block;font-family:Poppins,Arial,sans-serif;font-weight:600;font-size:14.5px;color:var(--navy)}
.drow .dl span{font-size:12px;color:var(--muted);display:block;line-height:1.35}
.dbar{position:relative;height:34px}
.dbar .axis{position:absolute;left:0;right:0;top:15px;height:4px;background:var(--line);border-radius:2px}
.dbar:before{content:"";position:absolute;left:50%;top:4px;width:2px;height:26px;background:var(--navy);opacity:.5}
.dbar .fill{position:absolute;top:9px;height:16px;border-radius:4px}
.dbar .fill.m{background:#2d6ab8}
.dbar .fill.w{background:#b83250}
.dbar .mark{position:absolute;top:-2px;transform:translateX(-50%)}
.dbar .mark em{font-style:normal;font-family:Poppins,Arial,sans-serif;font-weight:700;font-size:12.5px;color:var(--navy);background:#fff;padding:0 4px;border-radius:4px}
.dw{font-family:Poppins,Arial,sans-serif;font-weight:600;font-size:13px;color:var(--muted);text-align:right}
.two{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:start}
.two p{color:#2a3744;margin-bottom:14px}
.formula{background:var(--bg);border-radius:12px;padding:18px 22px;font-family:Poppins,Arial,sans-serif;font-weight:600;color:var(--navy);text-align:center;margin:14px 0}
.steps{display:grid;grid-template-columns:1fr;gap:14px;margin-top:0}
.step{display:flex;gap:14px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px}
.step .n{flex:0 0 32px;height:32px;border-radius:9px;background:var(--navy);color:var(--amber);display:grid;place-items:center;font-family:Poppins,Arial,sans-serif;font-weight:700;font-size:14px}
.step h4{font-size:15px;font-weight:600;margin-bottom:2px}
.step p{font-size:13.5px;color:var(--muted);margin:0}
table.ind{width:100%;border-collapse:collapse;font-size:13.5px;margin-top:22px;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
table.ind th{background:var(--navy);color:#fff;text-align:left;padding:10px 12px;font-family:Poppins,Arial,sans-serif;font-weight:600;font-size:12.5px}
table.ind td{padding:9px 12px;border-top:1px solid var(--line)}
table.ind td.n{text-align:right;white-space:nowrap}
table.ind tr.grp td{background:var(--bg);font-family:Poppins,Arial,sans-serif;font-weight:600;color:var(--navy);font-size:13px}
table.ind td.pos{color:#8a1c2b;font-weight:600}
table.ind td.neg{color:#1f4a8c;font-weight:600}
.dl2{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:30px}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px 26px}
.card .k{font-family:Poppins,Arial,sans-serif;font-size:11.5px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--teal);margin-bottom:6px}
.card h3{font-size:18px;font-weight:600;margin-bottom:6px}
.card p{font-size:14px;color:var(--muted);margin-bottom:14px}
.card .btns{display:flex;gap:10px;flex-wrap:wrap}
.btn-ghost{border:2px solid var(--line);color:var(--navy);background:#fff}
.btn-ghost:hover{border-color:var(--teal);color:var(--teal)}
.srcs{margin-top:34px;font-size:13px;color:var(--muted)}
@media (max-width:900px){.two,.dl2{grid-template-columns:1fr}.drow{grid-template-columns:1fr}.dw{text-align:left}}
.eige{padding:56px 0 64px}
.eige .two{grid-template-columns:1.05fr .95fr;gap:56px}
.eige h2{font-size:34px;max-width:none}
.crits{display:grid;gap:14px;margin-top:8px}
.crit{display:flex;gap:16px;background:#fff;border:1px solid var(--line);border-left:5px solid var(--amber);border-radius:12px;padding:18px 20px}
.crit>b{flex:0 0 auto;font-family:Poppins,Arial,sans-serif;font-weight:700;font-size:22px;color:var(--amber);line-height:1.1}
.crit h3{font-size:15.5px;font-weight:600;margin-bottom:4px}
.crit p{font-size:14px;color:#2a3744;margin:0}
@media (max-width:900px){.eige .two{grid-template-columns:1fr}}
.what{padding:80px 0 24px}
.what h2{font-size:34px;max-width:none}
.aside{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px 26px;position:sticky;top:110px}
.aside h3{font-size:16px;font-weight:600;margin-bottom:8px;color:var(--navy)}
.fact{display:flex;flex-direction:column;padding:10px 0;border-top:1px solid var(--line)}
.fact b{font-family:Poppins,Arial,sans-serif;font-weight:700;font-size:17px;color:var(--navy);line-height:1.15}
.fact span{font-size:13px;color:var(--muted)}
.eige{padding:56px 0 64px}
@media (max-width:900px){.aside{position:static}}
/* Expandable area rows with sources */
details.drow{display:block;padding:0}
details.drow summary{display:grid;grid-template-columns:260px 1fr 56px 18px;gap:18px;align-items:center;padding:12px 16px;cursor:pointer;list-style:none}
details.drow summary::-webkit-details-marker{display:none}
details.drow summary:hover{background:var(--bg);border-radius:12px}
details.drow .chev{width:9px;height:9px;border-right:2px solid var(--navy);border-bottom:2px solid var(--navy);transform:rotate(45deg);opacity:.6;transition:transform .2s}
details.drow[open] .chev{transform:rotate(-135deg)}
details.drow[open] summary{border-bottom:1px solid var(--line);border-radius:12px 12px 0 0}
.dsrc{padding:6px 16px 14px;overflow-x:auto}
.dsrc table{width:100%;border-collapse:collapse;font-size:13px}
.dsrc th{text-align:left;font-family:Poppins,Arial,sans-serif;font-weight:600;font-size:11.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;padding:8px 8px 6px;border-bottom:1px solid var(--line)}
.dsrc td{padding:7px 8px;border-bottom:1px solid var(--line);vertical-align:top;color:#2a3744}
.dsrc tr:last-child td{border-bottom:0}
.dsrc .n{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}
.dsrc td.s{font-size:12.5px;color:var(--muted);max-width:320px}
.dsrc td.s a{text-decoration:underline;text-decoration-color:rgba(31,122,140,.4);text-underline-offset:2px}
@media (max-width:900px){details.drow summary{grid-template-columns:1fr 18px}.drow .dbar,.drow .dw{display:none}}