:root{
  --navy:#0b1f4a;
  --navy-2:#16315f;
  --ink:#101828;
  --blue:#1d4ed8;
  --gold:#c9a227;
  --gold-2:#e8c547;
  --bg:#f3f5f9;
  --card:#fff;
  --text:#142033;
  --muted:#5c6b82;
  --line:#e4e9f2;
  --radius:18px;
  --shadow:0 10px 28px rgba(11,31,74,.07);
  --font:"Manrope",system-ui,sans-serif;
  --wrap:1280px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body.mf-body{margin:0;font-family:var(--font);color:var(--text);background:var(--bg);line-height:1.55}
img{max-width:100%;height:auto}
a{color:var(--blue)}
.mf-wrap{width:min(var(--wrap),calc(100% - 40px));margin:0 auto}
.mf-wrap--wide{width:min(1360px,calc(100% - 40px))}
.mf-wrap--article{width:min(860px,calc(100% - 40px))}
.mf-skip{position:absolute;left:-999px}
.screen-reader-text{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}

.mf-header{position:sticky;top:0;z-index:50;background:#fff}
.mf-header::after{content:"";display:block;height:3px;background:linear-gradient(90deg,var(--navy) 0%,var(--gold) 42%,var(--navy) 100%)}
.mf-header__inner{display:flex;align-items:center;gap:20px;min-height:76px}
.mf-brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy);flex-shrink:0}
.mf-brand__mark{width:48px;height:48px;display:block;border-radius:14px;box-shadow:0 8px 18px rgba(11,31,74,.22)}
.mf-brand__word{display:flex;flex-direction:column;line-height:1.05}
.mf-brand__name{font-weight:800;font-size:1.28rem;letter-spacing:-.045em}
.mf-brand__name span{color:var(--gold)}
.mf-brand__tag{font-size:.62rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.mf-nav{display:flex;align-items:center;gap:2px;margin-left:auto;flex-wrap:nowrap}
.mf-nav__a{text-decoration:none;color:var(--navy);font-weight:700;font-size:.92rem;padding:.52rem .86rem;border-radius:10px;white-space:nowrap;display:inline-flex;align-items:center;gap:5px}
.mf-nav__a:hover,.mf-dd:hover>.mf-nav__a{background:#f2f4f8;color:var(--navy)}
.mf-nav__chev{opacity:.4;transition:transform .15s}
.mf-dd:hover .mf-nav__chev{transform:rotate(180deg)}
.mf-dd{position:relative}
.mf-dd__panel{display:none;position:absolute;top:calc(100% - 2px);left:0;min-width:280px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:8px;box-shadow:0 24px 50px rgba(11,31,74,.16);z-index:60}
.mf-dd:hover .mf-dd__panel,.mf-dd:focus-within .mf-dd__panel{display:grid}
.mf-dd__panel a{display:flex;flex-direction:column;gap:2px;text-decoration:none;color:var(--navy);padding:12px 14px;border-radius:12px}
.mf-dd__panel a:hover{background:#f6f7fb}
.mf-dd__panel strong{font-size:.94rem}
.mf-dd__panel span{font-size:.76rem;color:var(--muted);font-weight:500}
.mf-search input{border:1px solid var(--line);border-radius:12px;padding:.52rem 1rem;width:148px;font:inherit;background:#f7f8fb;transition:width .2s,background .15s,border-color .15s}
.mf-search input:focus{outline:2px solid rgba(201,162,39,.45);background:#fff;width:196px;border-color:var(--gold)}
.mf-header__cta{flex-shrink:0;padding:.52rem 1rem;border-radius:12px;background:var(--navy);color:#fff;text-decoration:none;font-weight:800;font-size:.88rem}
.mf-header__cta:hover{background:#132a5e;color:#fff}
.mf-nav-toggle{display:none;width:42px;height:42px;border:0;background:transparent;margin-left:auto}
.mf-nav-toggle span{display:block;height:2px;background:var(--navy);margin:6px 8px}

.mf-hero{position:relative;color:#fff;padding:64px 0 56px;overflow:hidden;background:linear-gradient(145deg,#07122c 0%,#0b1f4a 48%,#1a376c 100%)}
.mf-hero__bg{position:absolute;inset:0;background:
  radial-gradient(900px 320px at 88% -8%,rgba(201,162,39,.28),transparent 55%),
  radial-gradient(700px 280px at 8% 110%,rgba(29,78,216,.18),transparent 50%),
  repeating-linear-gradient(90deg,rgba(255,255,255,.035) 0 1px,transparent 1px 72px);
  pointer-events:none}
.mf-hero__inner{position:relative}
.mf-hero__kicker{text-transform:uppercase;letter-spacing:.16em;font-size:.74rem;margin:0 0 10px;font-weight:800;color:var(--gold-2)}
.mf-hero h1{margin:0 0 14px;font-size:clamp(1.9rem,4.2vw,3rem);line-height:1.12;max-width:20ch}
.mf-hero__lead{max-width:54ch;margin:0 0 22px;opacity:.92;font-size:1.08rem}
.mf-hero__stats{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 28px}
.mf-hero__stat{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);border-radius:999px;padding:.38rem .9rem;font-size:.86rem;font-weight:700}
.mf-tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.mf-tile{background:#fff;color:var(--navy);text-decoration:none;border-radius:16px;padding:16px 16px 18px;min-height:108px;box-shadow:var(--shadow);display:grid;grid-template-columns:44px 1fr;gap:10px 12px;align-items:center;transition:transform .15s,box-shadow .15s}
.mf-tile:hover{transform:translateY(-3px);box-shadow:0 16px 32px rgba(11,31,74,.12)}
.mf-tile__ico{width:44px;height:44px;border-radius:12px;background:#0b1f4a;color:#fff;display:grid;place-items:center;grid-row:span 2}
.mf-tile__ico svg{width:22px;height:22px;display:block}
.mf-tile strong{font-size:1rem;line-height:1.2}
.mf-tile span{color:var(--muted);font-size:.82rem}

.mf-rates{background:#fff;border-bottom:1px solid var(--line)}
.mf-rates__inner{display:flex;flex-wrap:wrap;align-items:center;gap:8px 18px;min-height:58px;font-size:.92rem}
.mf-rates__label{font-weight:800;color:var(--navy)}
.mf-rates__item{background:#f4f6fb;border-radius:999px;padding:.28rem .7rem}
.mf-rates__item b{color:var(--navy);margin-right:6px}
.mf-rates__note{color:var(--muted);margin-left:auto}

.mf-sheet{padding:52px 0}
.mf-sheet--tint{background:#fff}
.mf-blockhead{display:flex;justify-content:space-between;align-items:end;gap:12px;margin-bottom:20px}
.mf-blockhead h2,.mf-how h2,.mf-h,.mf-note h2{margin:0;font-size:1.6rem;color:var(--navy)}
.mf-blockhead a{font-weight:700;text-decoration:none}
.mf-tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:18px}
.mf-tabs__a{text-decoration:none;background:#fff;border:1px solid var(--line);color:var(--navy);border-radius:999px;padding:.42rem .95rem;font-weight:700;font-size:.9rem}
.mf-tabs__a.is-active,.mf-tabs__a:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.mf-grid{display:grid;gap:16px}
.mf-grid--4{grid-template-columns:repeat(4,1fr)}
.mf-grid--3{grid-template-columns:repeat(3,1fr)}
.mf-grid--2{grid-template-columns:repeat(2,1fr)}
.mf-muted{color:var(--muted)}

.mf-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;display:flex;flex-direction:column;gap:10px;box-shadow:var(--shadow);min-height:210px}
.mf-card__top{display:flex;align-items:center;gap:12px}
.mf-card__logo{width:64px;height:64px;object-fit:contain;object-position:center;border-radius:14px;background:#fff;padding:6px;flex-shrink:0;border:1px solid var(--line)}
.mf-card__adv{margin:0;font-size:.78rem;font-weight:800;letter-spacing:.03em;text-transform:uppercase;color:var(--navy)}
.mf-card__title{margin:0;font-size:1.08rem;line-height:1.3}
.mf-card__title a{color:var(--navy);text-decoration:none}
.mf-card__title a:hover{color:var(--blue)}
.mf-card__promo{margin:0;font-size:.85rem;background:#fbf6e8;border-radius:8px;padding:.35rem .55rem}
.mf-card__row{display:flex;align-items:center;gap:10px;margin-top:auto;padding-top:8px}
.mf-card__more{color:var(--muted);text-decoration:none;font-size:.88rem}

.mf-btn{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:12px;padding:.7rem 1.1rem;font:inherit;font-weight:800;text-decoration:none;cursor:pointer}
.mf-btn--primary{background:var(--blue);color:#fff}
.mf-btn--primary:hover{filter:brightness(1.06)}
.mf-btn--accent{background:var(--gold);color:#1a1408;width:100%}
.mf-btn--white{background:#fff;color:var(--navy)}
.mf-btn--ghost{background:transparent;border:1px solid var(--line);color:var(--navy)}
.mf-btn--ghost-light{background:transparent;border:1px solid rgba(255,255,255,.4);color:#fff}
.mf-btn--sm{padding:.5rem .85rem;font-size:.88rem;border-radius:10px}
.mf-btn--lg{padding:.9rem 1.35rem}

.mf-how{padding:8px 0 52px}
.mf-how__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:18px}
.mf-how article{background:#fff;border-radius:var(--radius);padding:24px;border:1px solid var(--line)}
.mf-how span{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:12px;background:var(--navy);color:var(--gold-2);font-weight:800}
.mf-how h3{margin:.7rem 0 .35rem}

.mf-trust{display:flex;flex-wrap:wrap;gap:10px 22px;padding:18px 0 0;color:rgba(255,255,255,.78);font-size:.86rem;font-weight:600}
.mf-trust b{color:#fff}

.mf-post{background:#fff;border-radius:var(--radius);border:1px solid var(--line);overflow:hidden;transition:box-shadow .15s,transform .15s}
.mf-post:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.mf-post__link{display:block;padding:22px 22px 24px;text-decoration:none;color:inherit;min-height:188px}
.mf-post time,.mf-post__cat{color:var(--muted);font-size:.8rem;font-weight:700}
.mf-post__meta{display:flex;gap:10px;align-items:center;margin-bottom:6px}
.mf-post h3{margin:.2rem 0 .55rem;color:var(--navy);font-size:1.18rem;line-height:1.3}
.mf-post p{margin:0;color:var(--muted)}

.mf-blogfeat{display:grid;grid-template-columns:1.15fr 1fr;gap:16px;margin-bottom:16px}
.mf-post--feat{min-height:240px;background:linear-gradient(160deg,#0b1f4a,#1a376c);border:0}
.mf-post--feat .mf-post__link{min-height:240px;color:#fff}
.mf-post--feat h3{color:#fff;font-size:1.55rem}
.mf-post--feat p,.mf-post--feat time,.mf-post--feat .mf-post__cat{color:rgba(255,255,255,.78)}

.mf-note{padding:0 0 64px}
.mf-note .mf-wrap{background:linear-gradient(135deg,#0b1f4a,#16315f);color:#fff;border-radius:24px;padding:40px 44px;position:relative;overflow:hidden}
.mf-note .mf-wrap::after{content:"";position:absolute;right:-40px;top:-40px;width:180px;height:180px;border-radius:50%;background:rgba(201,162,39,.18)}
.mf-note h2{color:#fff;position:relative}
.mf-note p{max-width:62ch;opacity:.92;position:relative}
.mf-note .mf-btn{position:relative}

.mf-pagehead{padding:40px 0 8px}
.mf-pagehead h1{margin:.4rem 0;font-size:clamp(1.75rem,3vw,2.45rem);color:var(--navy)}
.mf-pagehead__lead{color:var(--muted);max-width:68ch;font-size:1.05rem}
.mf-crumbs{display:flex;flex-wrap:wrap;gap:6px;font-size:.88rem;color:var(--muted)}
.mf-crumbs a{color:var(--muted);text-decoration:none}
.mf-crumbs--light,.mf-crumbs--light a{color:rgba(255,255,255,.8)}
.mf-chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}
.mf-chip{background:#fff;border:1px solid var(--line);border-radius:999px;padding:.38rem .9rem;text-decoration:none;color:var(--navy);font-weight:700;font-size:.88rem}
.mf-chip:hover,.mf-chip.is-active{border-color:var(--navy);background:var(--navy);color:#fff}

.mf-land-hero{background:linear-gradient(145deg,#07122c,#0b1f4a 55%,#16315f);color:#fff;padding:28px 0 56px}
.mf-land-hero h1{margin:.25rem 0 .7rem;font-size:clamp(1.75rem,3vw,2.5rem)}
.mf-land-hero__grid{display:grid;grid-template-columns:1.45fr .7fr;gap:28px;align-items:start}
.mf-land-logo{width:96px;height:96px;background:#fff;border-radius:22px;display:grid;place-items:center;margin-bottom:16px;padding:10px;box-shadow:0 12px 28px rgba(0,0,0,.22)}
.mf-land-logo img{width:76px;height:76px;object-fit:contain;object-position:center}
.mf-land-kicker{text-transform:uppercase;letter-spacing:.1em;font-size:.76rem;font-weight:800;color:var(--gold-2)}
.mf-land-lead{opacity:.92;max-width:54ch}
.mf-land-actions{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0 10px}
.mf-land-legal{font-size:.82rem;opacity:.8}
.mf-land-side{background:#fff;color:var(--text);border-radius:20px;padding:22px;box-shadow:0 18px 40px rgba(0,0,0,.22)}
.mf-land-side__label{margin:0;font-size:.78rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;font-weight:800}
.mf-land-side__value{margin:.25rem 0 .7rem;font-size:1.35rem;font-weight:800;color:var(--navy)}
.mf-land-side__note{font-size:.9rem;color:var(--muted);margin:0 0 14px}
.mf-terms{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px 24px;margin:28px 0;box-shadow:var(--shadow)}
.mf-terms h2{margin-top:0}
.mf-interlink{background:#f6f7fb;border-left:3px solid var(--gold);padding:.85rem 1rem;border-radius:0 12px 12px 0}
.mf-also{margin:2.2rem 0 0;padding:22px 24px;background:#fff;border:1px solid var(--line);border-radius:18px}
.mf-also h2{margin:.1rem 0 12px;font-size:1.25rem}
.mf-also ul{margin:0;padding:0 0 0 18px}
.mf-also li{margin:.35rem 0}
.mf-related{margin-top:8px}

.mf-prose{font-size:1.06rem}
.mf-prose h2{margin:1.7rem 0 .6rem;color:var(--navy)}
.mf-prose h3{margin:1.25rem 0 .4rem}
.mf-prose .mf-lead{font-size:1.14rem;color:var(--navy)}
.mf-pager{margin-top:32px}
.mf-pager .nav-links{display:flex;gap:8px;flex-wrap:wrap}
.mf-pager a,.mf-pager span{background:#fff;border:1px solid var(--line);border-radius:10px;padding:.45rem .8rem;text-decoration:none;color:var(--navy)}

.mf-footer{background:var(--navy);color:#d7deea;padding:48px 0 24px}
.mf-footer__grid{display:grid;grid-template-columns:1.5fr .7fr .7fr;gap:28px}
.mf-footer a{display:block;color:#d7deea;text-decoration:none;margin:.28rem 0}
.mf-footer a:hover{color:#fff}
.mf-brand--foot{color:#fff;margin-bottom:12px}
.mf-brand--foot .mf-brand__mark{width:40px;height:40px}
.mf-footer__h{color:#fff;font-weight:800;margin:0 0 8px}
.mf-footer__lead{max-width:44ch}
.mf-footer__legal{margin-top:28px;border-top:1px solid rgba(255,255,255,.12);padding-top:16px;font-size:.82rem;opacity:.8}

.mf-cookie{position:fixed;right:16px;bottom:16px;z-index:60;max-width:420px}
.mf-cookie__dialog{background:#fff;border-radius:18px;box-shadow:0 18px 50px rgba(11,31,74,.22);padding:18px;border:1px solid var(--line)}
.mf-cookie__title{font-weight:800;margin:0 0 6px}
.mf-cookie__text{margin:0 0 12px;color:var(--muted);font-size:.92rem}
.mf-cookie__actions{display:flex;gap:8px}

.mf-article time{color:var(--muted);font-size:.88rem}

@media(max-width:1100px){
  .mf-tiles,.mf-grid--4,.mf-how__grid,.mf-land-hero__grid,.mf-footer__grid,.mf-blogfeat{grid-template-columns:1fr 1fr}
  .mf-header__inner{flex-wrap:wrap}
  .mf-nav{display:none}
  .mf-header__cta{display:none}
  .mf-nav.is-open{display:flex;flex-direction:column;align-items:stretch;width:100%;order:4;padding:8px 0 14px;flex-wrap:wrap}
  .mf-nav.is-open .mf-dd__panel{display:grid;position:static;box-shadow:none;border:0;padding:0 0 0 12px}
  .mf-nav-toggle{display:block}
  .mf-search{display:none}
}
@media(max-width:640px){
  .mf-tiles,.mf-grid--4,.mf-grid--3,.mf-how__grid,.mf-footer__grid,.mf-land-hero__grid,.mf-blogfeat{grid-template-columns:1fr}
  .mf-hero{padding:40px 0 32px}
  .mf-brand__mark{width:42px;height:42px}
  .mf-card__logo{width:56px;height:56px}
  .mf-wrap,.mf-wrap--wide,.mf-wrap--article{width:min(100% - 28px,var(--wrap))}
}