/* FXMetrics — light fintech theme. No external fonts or frameworks. */
:root{
  --bg:#f5f7fb;--surface:#fff;--surface-2:#f0f4f9;--line:#dfe6ef;--line-2:#cbd5e1;
  --text:#0f172a;--text-2:#334155;--muted:#526075;
  --brand:#0e6e66;--brand-ink:#fff;--brand-soft:#e3f3f1;
  --link:#0a5bc4;--good:#047857;--good-soft:#e7f6ef;--warn:#a6460b;--warn-soft:#fdf1e7;
  --radius:14px;--shadow:0 1px 2px rgba(15,23,42,.05),0 4px 16px rgba(15,23,42,.05);
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue","PingFang SC","Hiragino Sans GB","Microsoft YaHei","Noto Sans CJK SC","Source Han Sans SC",Arial,sans-serif;
  --mono:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--text);font:16px/1.7 var(--font);text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;height:auto}
a{color:var(--link);text-underline-offset:2px}
a:hover{text-decoration-thickness:2px}
:focus-visible{outline:3px solid #f59e0b;outline-offset:2px;border-radius:4px}
h1,h2,h3{line-height:1.3;letter-spacing:-.01em;color:var(--text)}
h1{font-size:clamp(26px,4vw,38px);margin:.3em 0 .4em}
h2{font-size:clamp(20px,2.6vw,25px);margin:1.8em 0 .6em}
h3{font-size:18px;margin:1.4em 0 .4em}
p{margin:.6em 0}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}

/* nav */
.nav{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.nav .wrap{display:flex;align-items:center;gap:18px;min-height:62px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:8px;font-weight:800;font-size:19px;color:var(--text);text-decoration:none;margin-right:auto}
.logo i{display:inline-grid;place-items:center;width:30px;height:30px;border-radius:8px;background:var(--brand);color:#fff;font-style:normal;font-size:13px}
.logo span{color:var(--brand)}
.nav nav{display:flex;align-items:center;gap:2px;flex-wrap:wrap}
.nav nav a{color:var(--text-2);text-decoration:none;font-size:15px;padding:8px 10px;border-radius:8px}
.nav nav a:hover{background:var(--surface-2);color:var(--text)}
.nav nav a.on{color:var(--brand);font-weight:600;background:var(--brand-soft)}
.nav nav a.lang{border:1px solid var(--line-2);margin-left:6px;font-size:14px}
.burger{display:none;cursor:pointer;font-size:24px;line-height:1;padding:6px 8px;border-radius:8px;color:var(--text)}
@media(max-width:1040px){
  .burger{display:block}
  .nav nav{display:none;width:100%;flex-direction:column;align-items:stretch;padding:4px 0 14px}
  .nav nav a{padding:12px 10px;border-bottom:1px solid var(--line)}
  .nav nav a.lang{margin:10px 0 0;text-align:center}
  #mnav:checked~nav{display:flex}
}

/* breadcrumb + meta */
.crumb{font-size:14px;color:var(--muted);margin:22px 0 0}
.crumb ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px}
.crumb li+li::before{content:"›";margin-right:6px;color:var(--line-2)}
.crumb a{color:var(--muted)}
.meta{font-size:14px;color:var(--muted);margin:0 0 14px}
.meta a{color:var(--muted)}

/* hero */
.hero{background:linear-gradient(160deg,#e9f6f4 0%,#f5f7fb 55%,#eef3fb 100%);border-bottom:1px solid var(--line);padding:46px 0 34px}
.hero h1{font-size:clamp(28px,4.8vw,46px);max-width:820px;margin:.2em 0 .35em}
.hero h1 em{font-style:normal;color:var(--warn);white-space:nowrap}
.hero p{color:var(--text-2);max-width:700px;font-size:17px}
.hero .trust{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:16px;padding:0;list-style:none;font-size:14px;color:var(--muted)}
.hero .trust li::before{content:"✓";color:var(--good);font-weight:700;margin-right:6px}
.eyebrow{display:inline-block;color:var(--brand);background:var(--brand-soft);font-size:13px;font-weight:700;letter-spacing:.03em;padding:4px 10px;border-radius:99px;margin:0}
.lead{color:var(--text-2);font-size:17px;max-width:780px}

/* cards */
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px;margin:22px 0;box-shadow:var(--shadow)}
.card h2:first-child,.card h3:first-child{margin-top:0}
.card.link{display:block;color:var(--text);text-decoration:none;margin:0;transition:border-color .15s,transform .15s}
.card.link:hover{border-color:var(--brand);transform:translateY(-2px)}
.card.link h3{margin:0 0 6px;font-size:17px;color:var(--text)}
.card.link p{margin:0;color:var(--muted);font-size:15px}
.grid3{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px;margin:18px 0}
.grid3 .card{margin:0}
.steps .card{position:relative;padding-top:30px}
.steps .num{position:absolute;top:-14px;left:20px;width:30px;height:30px;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;font-weight:700;font-size:14px}

/* calculator */
.calc{border-top:4px solid var(--brand)}
.hero+.wrap .calc{margin-top:-18px;position:relative}
.row{display:flex;gap:12px;flex-wrap:wrap;align-items:flex-end}
label{display:flex;flex-direction:column;gap:6px;font-size:14px;font-weight:600;color:var(--text-2);flex:1;min-width:140px}
input,select{font:inherit;font-size:18px;color:var(--text);background:#fff;border:1px solid var(--line-2);border-radius:10px;padding:11px 12px;min-height:48px;width:100%}
input:focus,select:focus{border-color:var(--brand);outline:3px solid rgba(14,110,102,.18)}
#swap{flex:0 0 48px;height:48px;border:1px solid var(--line-2);background:var(--surface-2);border-radius:10px;font-size:20px;cursor:pointer;color:var(--text)}
#swap:hover{background:var(--brand-soft)}
.mid{margin:18px 0 6px;color:var(--text-2)}
.save{margin:0 0 10px;padding:10px 14px;border-radius:10px;background:var(--good-soft);color:var(--text)}
.save:empty{display:none}
.save strong{color:var(--good)}
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:12px}
.results{width:100%;border-collapse:collapse;font-size:15px;background:#fff}
.results th,.results td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:middle}
.results thead th{background:var(--surface-2);color:var(--muted);font-size:13px;font-weight:600;text-transform:none;white-space:nowrap}
.results tbody tr:last-child td{border-bottom:0}
.results tr.best td{background:var(--good-soft)}
.results tr.best td:first-child{box-shadow:inset 4px 0 0 var(--good);font-weight:600}
.results td.num,.results th.num{text-align:right;font-variant-numeric:tabular-nums}
.loss{color:var(--warn)}
.tag{display:inline-block;background:var(--good);color:#fff;font-size:12px;font-weight:700;padding:2px 8px;border-radius:99px;margin-left:6px;white-space:nowrap;vertical-align:1px}
.btn{display:inline-block;background:var(--brand);color:var(--brand-ink);font-weight:700;text-decoration:none;border:0;border-radius:10px;padding:12px 22px;font-size:15px;cursor:pointer;white-space:nowrap}
.btn:hover{background:#0b5a54}
.btn.sm{padding:6px 12px;font-size:13px}
.btn.ghost{background:#fff;color:var(--brand);border:1px solid var(--brand)}

/* chips */
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{display:inline-block;background:#fff;border:1px solid var(--line-2);border-radius:99px;padding:7px 14px;color:var(--text);text-decoration:none;font-size:14px}
.chip:hover{border-color:var(--brand);color:var(--brand)}

/* facts */
.facts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0;margin:18px 0;border:1px solid var(--line);border-radius:var(--radius);background:#fff;overflow:hidden}
.facts div{padding:14px 18px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.facts dt{font-size:13px;color:var(--muted);font-weight:600;margin-bottom:4px}
.facts dd{margin:0;font-size:15px;color:var(--text)}

/* prose */
.prose{max-width:780px}
.prose ul,.prose ol{padding-left:1.4em}
.prose li{margin:7px 0}
.prose table{border-collapse:collapse;width:100%;margin:14px 0;font-size:15px;background:#fff}
.prose th,.prose td{border:1px solid var(--line);padding:9px 12px;text-align:left}
.prose th{background:var(--surface-2);font-weight:600}
.prose figure{margin:22px 0}
.prose figcaption{font-size:14px;color:var(--muted);margin-top:6px}
.note{background:var(--surface-2);border-left:4px solid var(--brand);padding:12px 16px;border-radius:0 10px 10px 0;color:var(--text-2);font-size:15px;margin:18px 0}
.note.warn{border-left-color:var(--warn);background:var(--warn-soft)}
.example td.num,.example th.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.example tr.best td{background:var(--good-soft);font-weight:600}
.faq h3{font-size:17px}
.author{display:flex;gap:12px;align-items:flex-start;font-size:14px;color:var(--muted);border-top:1px solid var(--line);margin-top:30px;padding-top:16px}
.author b{color:var(--text-2)}

/* layout helpers */
.split{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:32px;align-items:start}
.split aside{position:sticky;top:84px}
@media(max-width:960px){.split{grid-template-columns:1fr}.split aside{position:static}}
.related h2{font-size:20px}
.related ul{list-style:none;padding:0;margin:0}
.related li{padding:9px 0;border-bottom:1px solid var(--line);font-size:15px}
.related li a{text-decoration:none}
.related li a:hover{text-decoration:underline}
.cta{text-align:center;background:linear-gradient(160deg,#e9f6f4,#fff)}
.list li{margin:8px 0}
.muted{color:var(--muted)}.small{font-size:13px}.big{font-size:28px;font-weight:700}
section{scroll-margin-top:80px}

/* ads — always visibly labeled, never styled as content */
.ad{position:relative;margin:28px 0;padding:24px 12px 12px;min-height:120px;border:1px dashed var(--line-2);border-radius:12px;background:repeating-linear-gradient(135deg,#f8fafc 0 10px,#f3f6fa 10px 20px);display:flex;align-items:center;justify-content:center;color:var(--muted);font-size:12px}
.ad::before{content:attr(data-label);position:absolute;top:5px;left:10px;font-size:12px;font-weight:600;letter-spacing:.05em;color:var(--text-2);text-transform:uppercase}
.ad.live{display:block;min-height:100px;background:#fafbfc}
.ad.live ins{min-height:90px}

/* footer */
footer{margin-top:64px;background:#0f1b2d;color:#c7d2e0;padding:40px 0 28px;font-size:14px}
footer a{color:#e6edf7}
footer .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:24px}
footer h4{color:#fff;font-size:14px;margin:0 0 10px}
footer ul{list-style:none;padding:0;margin:0}footer li{margin:6px 0}
footer .fine{border-top:1px solid #24344d;margin-top:26px;padding-top:16px;color:#a9b6c8}

/* 404 */
.nf{text-align:center;padding:60px 0}
.nf .big{font-size:64px;color:var(--brand)}

@media(max-width:640px){
  .wrap{padding:0 16px}
  .card{padding:18px}
  .calc .row label:first-child{flex:1 1 100%}
  .calc .row label{min-width:0;flex:1 1 30%}
  .results th,.results td{padding:10px 8px;font-size:14px}
  .results th:nth-child(4),.results td:nth-child(4){display:none}
  .results td:first-child .tag{display:table;margin:4px 0 0}
  .hero{padding:32px 0 30px}
  .facts{grid-template-columns:1fr}
}
/* language switcher (details dropdown) */
.langsw{position:relative;margin-left:6px}
.langsw summary{list-style:none;cursor:pointer;border:1px solid var(--line-2);border-radius:8px;padding:7px 11px;font-size:14px;color:var(--text-2);white-space:nowrap}
.langsw summary::-webkit-details-marker{display:none}
.langsw summary::after{content:" ▾";font-size:11px}
.langsw[open] summary{background:var(--surface-2)}
.langsw ul{position:absolute;right:0;top:calc(100% + 6px);min-width:190px;margin:0;padding:6px;list-style:none;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 10px 30px rgba(15,23,42,.14);z-index:30}
.langsw li a{display:block;padding:8px 12px;border-radius:8px;font-size:15px;color:var(--text);text-decoration:none}
.langsw li a:hover{background:var(--surface-2)}
.langsw li a[aria-current]{font-weight:700;color:var(--brand);background:var(--brand-soft)}
@media(max-width:820px){.langsw{margin:10px 0 0}.langsw summary{text-align:center}.langsw ul{position:static;box-shadow:none;margin-top:6px}.langsw li a{border-bottom:0}}
.region h2{display:flex;align-items:center;gap:10px}
.langgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:10px}

/* right-to-left (Arabic) */
[dir=rtl] .logo{margin-right:0;margin-left:auto}
[dir=rtl] .langsw{margin-left:0;margin-right:6px}
[dir=rtl] .langsw ul{right:auto;left:0}
[dir=rtl] .crumb li+li::before{content:"‹";margin-right:0;margin-left:6px}
[dir=rtl] .results th,[dir=rtl] .results td,[dir=rtl] .prose th,[dir=rtl] .prose td{text-align:right}
[dir=rtl] .results td.num,[dir=rtl] .results th.num,[dir=rtl] .example td.num,[dir=rtl] .example th.num{text-align:left}
[dir=rtl] .results tr.best td:first-child{box-shadow:inset -4px 0 0 var(--good)}
[dir=rtl] .tag{margin-left:0;margin-right:6px}
[dir=rtl] .prose ul,[dir=rtl] .prose ol{padding-left:0;padding-right:1.4em}
[dir=rtl] .note{border-left:0;border-right:4px solid var(--brand);border-radius:10px 0 0 10px}
[dir=rtl] .hero .trust li::before{margin-right:0;margin-left:6px}
[dir=rtl] .steps .num{left:auto;right:20px}
[dir=rtl] .ad::before{left:auto;right:10px}
[dir=rtl] .facts div{border-right:0;border-left:1px solid var(--line)}
[dir=rtl] body{font-family:system-ui,-apple-system,"Segoe UI","Noto Sans Arabic","Geeza Pro",Tahoma,Arial,sans-serif;line-height:1.85}
[dir=rtl] .mid strong,[dir=rtl] .num{unicode-bidi:plaintext}

@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{.nav,.ad,footer,.burger{display:none}}

/* official sources list on content pages */
.sources{margin-top:28px}
.sources li{font-size:14px;overflow-wrap:anywhere}