:root{--blue:#0345bf;--blue2:#044cd0;--ink:#1f2733;--muted:#5b6675;--line:#e3e8f0;--bg:#f5f8fd;--ok:#138a4b;--bad:#c0392b;--warn:#fff6e0}
*{box-sizing:border-box}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);font-size:17px;line-height:1.6;margin:0;background:#fff}
a{color:var(--blue)}a:hover{color:var(--blue2)}
h1,h2,h3{line-height:1.25;color:#0d1b33;font-weight:700}
h2{font-size:30px;margin:0 0 14px}h3{font-size:20px;margin:0 0 8px}
.container{max-width:1140px}
/* topbar + header */
.cfl-top{background:#0d1b33;color:#cdd6e4;font-size:14px;padding:6px 0}
.cfl-top .container{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.cfl-top a{color:#fff;text-decoration:none}
.cfl-head{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.cfl-head .container{display:flex;align-items:center;justify-content:space-between;height:72px;gap:16px}
.cfl-logo img{height:48px;width:auto;display:block}
.cfl-nav{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
.cfl-nav>li{position:relative}
.cfl-nav>li>a{display:block;padding:10px 12px;color:var(--ink);text-decoration:none;font-weight:600;font-size:15px}
.cfl-nav>li>a:hover{color:var(--blue)}
.cfl-nav .sub{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 12px 30px rgba(13,27,51,.12);padding:8px;min-width:260px;list-style:none;margin:0}
.cfl-nav li:hover>.sub,.cfl-nav li:focus-within>.sub{display:block}
.cfl-nav .sub a{display:block;padding:8px 12px;border-radius:6px;color:var(--ink);text-decoration:none;font-size:15px}
.cfl-nav .sub a:hover{background:var(--bg);color:var(--blue)}
.cfl-burger{display:none;background:none;border:0;font-size:26px;color:var(--ink)}
@media(max-width:991px){.cfl-burger{display:block}.cfl-nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:8px 16px 16px;border-bottom:1px solid var(--line)}
.cfl-nav.open{display:flex}.cfl-nav .sub{display:block;position:static;box-shadow:none;border:0;padding:0 0 0 12px}}
/* buttons */
.cfl-btn{display:inline-block;background:var(--blue);color:#fff!important;font-weight:700;padding:13px 26px;border-radius:10px;text-decoration:none;border:0;cursor:pointer;font-size:17px}
.cfl-btn:hover{background:var(--blue2);text-decoration:none}
.cfl-btn.ghost{background:#fff;color:var(--blue)!important;border:2px solid var(--blue)}
.cfl-btn.sm{padding:9px 16px;font-size:15px}
/* breadcrumbs */
.cfl-bc{font-size:14px;color:var(--muted);padding:12px 15px 0}.cfl-bc a{color:var(--muted)}.cfl-bc span{margin:0 6px}
/* hero */
.cfl-hero{background:linear-gradient(100deg,rgba(255,255,255,.97) 0,rgba(255,255,255,.93) 52%,rgba(255,255,255,.55) 100%),url(/images/2018/11/28/bg-5.jpg) center/cover;padding:40px 0 48px}
.cfl-hero h1{font-size:44px;margin:8px 0 12px}
.cfl-hero .sub{font-size:20px;color:var(--muted);max-width:640px}
.cfl-hero ul{list-style:none;padding:0;margin:16px 0 0}.cfl-hero li{margin:6px 0}.cfl-hero li:before{content:"\f00c";font-family:FontAwesome;color:var(--ok);margin-right:10px}
.cfl-heroform{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 16px 40px rgba(13,27,51,.12);padding:24px}
.cfl-heroform h2{font-size:22px;margin-bottom:12px}
.cfl-chips{display:flex;flex-wrap:wrap;gap:8px;margin:10px 0 14px}
.cfl-chips button{border:1.5px solid var(--line);background:#fff;border-radius:999px;padding:8px 14px;font-weight:600;cursor:pointer}
.cfl-chips button.on{border-color:var(--blue);background:var(--bg);color:var(--blue)}
.cfl-heroform input[type=number],.cfl-heroform input[type=text],.cfl-heroform select{width:100%;padding:12px;border:1.5px solid var(--line);border-radius:10px;font-size:17px;margin-bottom:12px}
.cfl-heroform .cfl-btn{width:100%}
.cfl-fine{font-size:13px;color:var(--muted);margin-top:10px;line-height:1.45}
@media(max-width:767px){.cfl-hero h1{font-size:32px}.cfl-hero .sub{font-size:18px}.cfl-heroform{margin-top:22px}}
/* trust strip */
.cfl-trust{background:var(--bg);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.cfl-trust .container{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;padding:14px 15px;font-weight:600;font-size:15px}
.cfl-trust i{color:var(--blue);margin-right:8px}
/* sections */
.cfl-sec{padding:56px 0}.cfl-alt{background:var(--bg)}
.cfl-blue{background:var(--blue);color:#fff}.cfl-blue h2,.cfl-blue h3,.cfl-blue a{color:#fff}
.cfl-lead{font-size:19px;color:var(--muted);max-width:820px}
.cfl-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin-top:22px}
.cfl-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;display:flex;flex-direction:column}
.cfl-card>i{font-size:26px;color:var(--blue);margin-bottom:10px}
.cfl-card p{color:var(--muted);flex:1}
.cfl-link{font-weight:700;text-decoration:none}.cfl-link:after{content:" \2192"}
.cfl-steps{counter-reset:s;list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin-top:22px}
.cfl-steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px 22px 22px 70px;position:relative}
.cfl-steps li:before{content:counter(s);position:absolute;left:20px;top:20px;width:36px;height:36px;border-radius:50%;background:var(--blue);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center}
.cfl-table-wrap{overflow-x:auto;margin-top:18px;border:1px solid var(--line);border-radius:12px}
.cfl-table{width:100%;border-collapse:collapse;background:#fff;font-size:16px}
.cfl-table th,.cfl-table td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.cfl-table thead th{background:#0d1b33;color:#fff;font-weight:600}
.cfl-table tbody tr:nth-child(even){background:#fafcff}
.cfl-caption{font-size:14px;color:var(--muted);margin-top:8px}
.cfl-compare,.cfl-proscons{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:18px}
.cfl-compare>div,.cfl-proscons>div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px}
@media(max-width:767px){.cfl-compare,.cfl-proscons{grid-template-columns:1fr}}
.cfl-check,.cfl-cross,.cfl-proscons ul{list-style:none;padding:0;margin:0}
.cfl-check li,.cfl-cross li,.cfl-proscons li{padding-left:28px;position:relative;margin:8px 0}
.cfl-check li:before,.pros li:before{content:"\f00c";font-family:FontAwesome;color:var(--ok);position:absolute;left:0}
.cfl-cross li:before,.cons li:before{content:"\f00d";font-family:FontAwesome;color:var(--bad);position:absolute;left:0}
.cfl-callout{background:#eef4ff;border-left:4px solid var(--blue);border-radius:10px;padding:16px 18px;margin:18px 0}
.cfl-callout.warn{background:var(--warn);border-left-color:#e0a100}
.cfl-stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:14px;margin-top:20px}
.cfl-stats>div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;text-align:center}
.cfl-stats b{display:block;font-size:30px;color:var(--blue)}.cfl-stats span{color:var(--muted);font-size:15px}
.cfl-ctaband{background:#0d1b33;color:#fff;border-radius:16px;padding:26px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:14px;margin-top:24px}
.cfl-ctaband p{margin:0;font-size:21px;font-weight:700}.cfl-ctaband small{flex-basis:100%;color:#aebbd0}
.cfl-selfcheck{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;margin-top:16px}
.cfl-selfcheck label{display:block;margin:8px 0;font-weight:600}.cfl-selfcheck input{margin-right:10px;transform:scale(1.2)}
/* widgets */
.cfl-w{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;margin-top:20px;box-shadow:0 8px 24px rgba(13,27,51,.06)}
.cfl-w label{font-weight:600;display:block;margin-top:10px}.cfl-w input[type=range]{width:100%}
.cfl-w .out{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin-top:16px}
.cfl-w .out div{background:var(--bg);border-radius:10px;padding:12px;text-align:center}.cfl-w .out b{display:block;font-size:24px;color:var(--blue)}
.cfl-w .q{margin:12px 0}.cfl-w .q p{font-weight:700;margin:0 0 6px}
.cfl-w .opts{display:flex;flex-wrap:wrap;gap:8px}.cfl-w .opts button{border:1.5px solid var(--line);background:#fff;border-radius:999px;padding:8px 14px;cursor:pointer;font-weight:600}
.cfl-w .opts button.on{border-color:var(--blue);color:var(--blue);background:var(--bg)}
.cfl-w .res{margin-top:14px;padding:16px;border-radius:12px;background:#eef4ff;display:none}
.cfl-map iframe,.cfl-nap iframe{width:100%;height:340px;border:0;border-radius:14px;display:block}.cfl-nap>div{min-width:0}
.cfl-nap{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:18px}@media(max-width:767px){.cfl-nap{grid-template-columns:1fr}}
/* faq, author, sources */
.cfl-faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin:10px 0;padding:0 18px}
.cfl-faq summary{cursor:pointer;font-weight:700;padding:16px 0;list-style:none}.cfl-faq summary::-webkit-details-marker{display:none}
.cfl-faq summary:after{content:"+";float:right;color:var(--blue);font-size:22px;line-height:1}.cfl-faq details[open] summary:after{content:"\2212"}
.cfl-faq details p{margin:0 0 16px;color:var(--muted)}
.cfl-author{display:flex;gap:14px;align-items:flex-start;border:1px solid var(--line);border-radius:14px;padding:18px;background:#fff;font-size:15px;color:var(--muted)}
.cfl-author img{width:48px;height:48px;border-radius:50%;object-fit:contain;background:var(--bg)}
.cfl-sources{font-size:15px}.cfl-sources li{margin:4px 0}
/* footer */
.cfl-foot{background:#0d1b33;color:#aebbd0;font-size:15px;padding:48px 0 24px}
.cfl-foot h4{color:#fff;font-size:16px;margin-bottom:12px}.cfl-foot a{color:#dfe7f3;text-decoration:none}.cfl-foot a:hover{color:#fff;text-decoration:underline}
.cfl-foot ul{list-style:none;padding:0;margin:0}.cfl-foot li{margin:6px 0}
.cfl-foot .grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px}@media(max-width:767px){.cfl-foot .grid{grid-template-columns:1fr 1fr}}
.cfl-disc{border-top:1px solid #2a3a57;margin-top:28px;padding-top:18px;font-size:13px;line-height:1.55}
.cfl-sticky{display:none}@media(max-width:767px){.cfl-sticky{display:block;position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;border-top:1px solid var(--line);padding:10px 14px}.cfl-sticky .cfl-btn{width:100%;text-align:center}body{padding-bottom:70px}}
/* apply form */
.cfl-apply .row>div{margin-bottom:12px}.cfl-apply label{font-weight:600;font-size:15px}
.cfl-apply input,.cfl-apply select{width:100%;padding:11px;border:1.5px solid var(--line);border-radius:10px;font-size:16px}
.cfl-apply .consent{font-size:13px;color:var(--muted)}.cfl-apply .consent input{width:auto;margin-right:8px}