:root{--bg:#eef2fb;--ink:#121b2d;--muted:#5e6980;--accent:#2550a6;--soft:#dfe7fb;--panel:#f9fbff;--dark:#0e1831}
*{box-sizing:border-box}body{margin:0;font-family:"Manrope",sans-serif;color:var(--ink);background:var(--bg)}a{color:inherit}img{display:block;max-width:100%}
.fb-skip{position:absolute;left:-9999px}.fb-skip:focus{left:1rem;top:1rem;background:#fff;padding:.75rem 1rem;z-index:99}
.fb-wrap{width:min(1180px,calc(100% - 2rem));margin:0 auto}.fb-header{background:#f8fbff;border-bottom:1px solid rgba(37,80,166,.12);position:sticky;top:0;z-index:20}.fb-header--sub{background:rgba(248,251,255,.95);backdrop-filter:blur(10px)}
.fb-header-row{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:1rem;min-height:82px}.fb-brand{width:252px}.fb-nav,.fb-footer-nav{display:flex;gap:1rem;flex-wrap:wrap}.fb-nav--right{justify-content:flex-end}.fb-nav a,.fb-footer-nav a{text-decoration:none;color:var(--muted)}
.fb-opening,.fb-ranking,.fb-disclosure,.fb-criteria,.fb-helpline,.fb-rg,.fb-footer,.fb-article{padding:2rem 0}.fb-opening-grid,.fb-disclosure-row,.fb-criteria-grid,.fb-helpline-grid,.fb-footer-top{display:grid;gap:2rem}
.fb-opening-grid{grid-template-columns:1fr 1.1fr;align-items:center}.fb-kicker{margin:0 0 .75rem;font-size:.82rem;text-transform:uppercase;letter-spacing:.17em;color:var(--accent)}.fb-copy h1,.fb-section-head h2,.fb-article h1,.fb-helpline h2{font-family:"Prata",serif;line-height:1;margin:0}
.fb-copy h1{font-size:clamp(2.8rem,5.6vw,5.1rem);max-width:9ch}.fb-media-box{position:relative;background:#fff;padding:1rem;border-radius:24px;box-shadow:0 20px 42px rgba(16,31,63,.12)}
.fb-media{aspect-ratio:1.38/1;background-size:cover;background-position:center;border-radius:18px;display:none}.fb-media.is-active{display:block}.fb-media-note{position:absolute;left:1.65rem;bottom:1.3rem;background:rgba(14,24,49,.82);color:#f6f9ff;padding:.7rem .9rem;border-radius:12px;font-size:.9rem}.fb-dots{position:absolute;top:1.6rem;right:1.6rem;display:flex;gap:.4rem}.fb-dot{width:12px;height:12px;border-radius:999px;border:0;background:rgba(255,255,255,.5);cursor:pointer}.fb-dot.is-active{background:#fff}
.fb-section-head{margin-bottom:1rem}.fb-section-head h2{font-size:clamp(2rem,4vw,3.4rem)}.fb-panels{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem}.fb-panel{background:var(--panel);padding:1.4rem;border-radius:28px 28px 14px 28px;box-shadow:0 12px 28px rgba(16,31,63,.08)}.fb-panel--soft{background:#e9efff}.fb-panel-top{display:flex;justify-content:space-between;align-items:center;gap:1rem}.fb-panel-top span{width:42px;height:42px;border-radius:999px;background:var(--soft);display:inline-flex;align-items:center;justify-content:center;color:var(--accent);font-weight:700}.fb-panel-top img{width:132px;height:36px;object-fit:contain;object-position:left center}.fb-panel h3{margin:1rem 0 .55rem;font-size:1.45rem}.fb-offer strong{color:var(--accent)}.fb-pay{color:var(--muted)}.fb-action{display:flex;justify-content:space-between;gap:1rem;align-items:center;margin-top:1rem}.fb-action span{font-weight:800;color:var(--accent)}.fb-action a{text-decoration:none;padding:.85rem 1.15rem;border-radius:14px;background:var(--dark);color:#f8fbff}
.fb-disclosure{background:#dde5fb}.fb-disclosure-row{grid-template-columns:1.45fr .55fr}.fb-criteria-grid{grid-template-columns:1fr 1fr}.fb-list{display:grid;gap:.9rem}.fb-list div{padding:.95rem 1rem;border-left:3px solid var(--accent);background:#f6f9ff}.fb-list strong{display:block;margin-bottom:.3rem}
.fb-helpline{background:#101b35;color:#eef3ff}.fb-helpline-grid{grid-template-columns:1fr 1fr}.fb-helpline .fb-kicker{color:#9cb8ff}.fb-helpline h2{font-size:clamp(2.4rem,5vw,4rem);margin:0 0 .4rem}.fb-links{display:flex;gap:.8rem 1rem;flex-wrap:wrap;align-content:start}.fb-links a{text-decoration:none;border-bottom:1px solid rgba(238,243,255,.25)}
.fb-rg{background:linear-gradient(90deg,#2550a6,#173673);color:#f7faff}.fb-rg p{margin:.3rem 0}
.fb-footer{background:#dce5fa}.fb-footer-top{grid-template-columns:auto 1fr;align-items:center}.fb-footer-top img{width:252px}.fb-footer-nav{justify-content:flex-end}.fb-footer-bottom{border-top:1px solid rgba(37,80,166,.14)}
.fb-article{width:min(860px,calc(100% - 2rem));margin:0 auto}.fb-date{margin:.9rem 0 1.2rem;color:var(--muted)}.fb-article h1{font-size:clamp(2.2rem,5vw,4rem)}.fb-article h2{margin:1.5rem 0 .55rem;font-size:1.35rem}.fb-article p,.fb-article li,.fb-copy p,.fb-panel p,.fb-disclosure p,.fb-criteria p,.fb-list span,.fb-helpline p,.fb-footer p{line-height:1.75}.fb-article ul{padding-left:1.15rem}
@media (max-width:980px){.fb-header-row,.fb-opening-grid,.fb-panels,.fb-disclosure-row,.fb-criteria-grid,.fb-helpline-grid,.fb-footer-top{grid-template-columns:1fr}.fb-nav--right,.fb-footer-nav{justify-content:flex-start}.fb-brand{width:220px}}
@media (max-width:720px){.fb-header-row{padding:1rem 0}.fb-nav,.fb-footer-nav{gap:.7rem}}