:root{--bg:#fff;--bg-soft:#f4f7fb;--text:#14213d;--muted:#55627a;--line:#dfe5ee;--brand:#0b5ed7;--brand-ink:#fff;--brand-soft:#e8f0fd;--notice-bg:#fff8e1;--notice-ink:#6b4e00;--ex:#127a3e;--good:#3d8c2f;--fair:#a86b00;--poor:#b42318;--na:#55627a;--radius:12px;--font:system-ui, -apple-system, "Segoe UI", Roboto, "Noto Sans", "Noto Sans Devanagari", "Helvetica Neue", Arial, sans-serif}@media (prefers-color-scheme:dark){:root{--bg:#0e1420;--bg-soft:#151d2c;--text:#e6ebf3;--muted:#a3afc2;--line:#263247;--brand:#5b9bff;--brand-ink:#0b1220;--brand-soft:#16264a;--notice-bg:#2a2310;--notice-ink:#f0d58a;--ex:#4cc283;--good:#8bcf6a;--fair:#f0b44a;--poor:#ff7b6e;--na:#a3afc2}}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{background:var(--bg);color:var(--text);font-family:var(--font);margin:0;font-size:17px;line-height:1.65}a{color:var(--brand)}h1,h2,h3{line-height:1.25}h1{letter-spacing:-.01em;margin:.4em 0 .3em;font-size:clamp(1.7rem,4.5vw,2.6rem)}h2{margin:2em 0 .6em;font-size:clamp(1.3rem,3vw,1.65rem)}h3{margin:0 0 .4em;font-size:1.1rem}.wrap{max-width:1080px;margin:0 auto;padding:0 16px}.article{max-width:860px;padding-bottom:32px}.lead{color:var(--muted);font-size:1.12rem}.skip{position:absolute;left:-999px}.skip:focus{background:var(--bg);z-index:10;padding:8px;top:8px;left:8px}.site-header{border-bottom:1px solid var(--line);background:var(--bg);z-index:5;position:sticky;top:0}.header-row{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px;padding-top:10px;padding-bottom:10px;display:flex}.logo{color:var(--text);align-items:center;gap:8px;font-size:1.2rem;font-weight:800;text-decoration:none;display:inline-flex}.logo-mark{background:var(--brand);width:28px;height:28px;color:var(--brand-ink);border-radius:8px;place-items:center;font-size:.95rem;display:inline-grid}.logo-tld{color:var(--muted);font-weight:600}.site-header nav{flex-wrap:wrap;gap:4px 16px;font-size:.95rem;display:flex}.site-header nav a{color:var(--text);padding:4px 0;text-decoration:none}.site-header nav a:hover{color:var(--brand)}.lang-switch{border:1px solid var(--line);border-radius:999px;padding:2px 12px!important}.notice{background:var(--notice-bg);color:var(--notice-ink);padding:6px 0;font-size:.85rem}.hero{background:linear-gradient(180deg, var(--brand-soft), var(--bg));padding:40px 0 24px}.hero .lead{max-width:720px}.btn{background:var(--brand);color:var(--brand-ink);text-align:center;border-radius:10px;padding:10px 16px;font-size:.95rem;font-weight:600;text-decoration:none;display:inline-block}.btn:hover{filter:brightness(1.08)}.btn-lg{padding:14px 22px;font-size:1.05rem}.grid4{grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px;display:grid}.article .grid4{grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px}.card{border:1px solid var(--line);border-radius:var(--radius);background:var(--bg);flex-direction:column;padding:18px;display:flex}.card p{color:var(--muted);flex:1;margin-top:0;font-size:.95rem}.bureaus{margin-top:8px}.table-wrap{border:1px solid var(--line);border-radius:var(--radius);overflow-x:auto}table{border-collapse:collapse;width:100%;font-size:.95rem}th,td{text-align:left;border-bottom:1px solid var(--line);vertical-align:top;padding:12px 14px}th{background:var(--bg-soft);font-weight:600}tr:last-child td{border-bottom:0}.pill{white-space:nowrap;border:1.5px solid;border-radius:999px;padding:2px 10px;font-size:.9rem;font-weight:700;display:inline-block}.s-ex{color:var(--ex)}.s-good{color:var(--good)}.s-fair{color:var(--fair)}.s-poor{color:var(--poor)}.s-na{color:var(--na)}.bank-grid{grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:10px;display:grid}.bank-chip{border:1px solid var(--line);color:var(--text);background:var(--bg);border-radius:10px;padding:12px 14px;font-weight:500;text-decoration:none;display:block}.bank-chip:hover{border-color:var(--brand);color:var(--brand)}.more{font-weight:600}.facts{grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px;margin:0 0 16px;display:grid}.facts div{background:var(--bg-soft);border-radius:10px;padding:12px 14px}.facts dt{color:var(--muted);text-transform:uppercase;letter-spacing:.04em;font-size:.8rem}.facts dd{margin:2px 0 0;font-weight:600}.steps li,.article ul li{margin-bottom:.5em}.guide-list{padding-left:1.2em}.crumbs{color:var(--muted);margin-top:18px;font-size:.85rem}.crumbs a{color:var(--muted)}.faq details{border:1px solid var(--line);border-radius:10px;margin-bottom:10px;padding:12px 16px}.faq summary{cursor:pointer;font-weight:600}.faq details p{color:var(--muted);margin:.6em 0 0}.site-footer{border-top:1px solid var(--line);background:var(--bg-soft);margin-top:48px;padding:28px 0}.footer-links{flex-wrap:wrap;gap:8px 18px;margin-bottom:14px;display:flex}.footer-links a{color:var(--text);font-size:.95rem;text-decoration:none}.fine{color:var(--muted);font-size:.82rem}@media (max-width:640px){body{font-size:16px}.site-header{position:static}.site-header nav{gap:2px 12px}.hero{padding-top:24px}.btn-lg{display:block}}@property --n{syntax:"<integer>";inherits:false;initial-value:300}.hero{overflow:hidden}.hero-grid{grid-template-columns:1.15fr 1fr;align-items:center;gap:24px;display:grid}.scene{--px:0;--py:0;perspective:1100px;height:380px;position:relative}.scene-inner{transform-style:preserve-3d;transform:rotateX(calc(var(--py) * -14deg + 6deg)) rotateY(calc(var(--px) * 18deg - 8deg));transition:transform .25s ease-out;position:absolute;inset:0}.glow{background:radial-gradient(circle, color-mix(in srgb, var(--brand) 45%, transparent), transparent 65%);filter:blur(20px);border-radius:50%;width:320px;height:320px;animation:6s ease-in-out infinite pulse;position:absolute;top:50%;left:50%;transform:translate(-50%,-50%)translateZ(-120px)}.card3d{width:270px;height:170px;transform-style:preserve-3d;margin:-150px 0 0 -40px;animation:14s cubic-bezier(.45,.05,.55,.95) infinite cardspin;position:absolute;top:50%;left:50%;transform:translateZ(-60px)rotateY(-24deg)rotateX(10deg)}.card3d-face{backface-visibility:hidden;color:#fff;border-radius:16px;padding:18px 20px;position:absolute;inset:0;box-shadow:0 30px 60px -20px #0b1e508c}.card3d-front{background:linear-gradient(135deg,#1b3a8a 0%,#0b5ed7 55%,#36b3ff 100%);flex-direction:column;justify-content:space-between;display:flex}.card3d-front:after{content:"";border-radius:inherit;background:linear-gradient(115deg,#0000 30%,#ffffff59 45%,#0000 60%) 0 0/250% 100%;animation:5s linear infinite sheen;position:absolute;inset:0}.card3d-back{background:linear-gradient(135deg,#0b5ed7,#1b3a8a);transform:rotateY(180deg)}.stripe{background:#0a1430;height:34px;margin:10px -20px}.chip{background:linear-gradient(135deg,#f8d77a,#c79a2e);border-radius:6px;width:40px;height:30px}.card-num{letter-spacing:.12em;opacity:.95;font-family:ui-monospace,monospace;font-size:1rem}.card-row{letter-spacing:.1em;opacity:.9;justify-content:space-between;align-items:center;font-size:.7rem;display:flex}.card-logo{background:radial-gradient(circle at 35%,#ffffffd9 0 11px,#0000 12px),radial-gradient(circle at 68%,#ffffff73 0 11px,#0000 12px);border-radius:50%;width:38px;height:24px}.gauge-card{width:250px;transform-style:preserve-3d;background:color-mix(in srgb, var(--bg) 78%, transparent);-webkit-backdrop-filter:blur(14px);border:1px solid color-mix(in srgb, var(--line) 70%, transparent);border-radius:18px;margin:-60px 0 0 -170px;padding:16px 18px 14px;animation:6s ease-in-out infinite float;position:absolute;top:50%;left:50%;transform:translateZ(70px);box-shadow:0 40px 70px -25px #0b1e5073,inset 0 1px #fff6}.gauge-label{text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-size:.72rem;font-weight:600}.gauge{width:100%;margin-top:4px;display:block}.gauge-track,.gauge-fill{fill:none;stroke-width:14px;stroke-linecap:round}.gauge-track{stroke:var(--line)}.gauge-fill{stroke-dashoffset:var(--target)}.gauge-num{text-align:center;height:52px;margin-top:-58px;transform:translateZ(30px)}.count{--n:782;counter-reset:n var(--n);letter-spacing:-.02em;font-size:2.6rem;font-weight:800}.count:after{content:counter(n)}.gauge-scale{color:var(--muted);justify-content:space-between;align-items:center;margin-top:6px;font-size:.75rem;display:flex}.gauge-tag{color:var(--ex);background:color-mix(in srgb, var(--ex) 14%, transparent);border-radius:999px;padding:2px 10px;font-weight:700}.orb{white-space:nowrap;background:var(--bg);border:1px solid var(--line);border-radius:999px;padding:6px 12px;font-size:.8rem;font-weight:600;position:absolute;box-shadow:0 12px 24px -12px #0b1e5059}.orb1{animation:5s ease-in-out infinite bob;top:12%;left:4%;transform:translateZ(110px)}.orb2{animation:6s ease-in-out -2s infinite bob;bottom:14%;right:2%;transform:translateZ(90px)}.orb3{color:var(--ex);animation:7s ease-in-out -1s infinite bob;top:6%;right:10%;transform:translateZ(40px)}@media (prefers-reduced-motion:no-preference){.gauge-fill{stroke-dashoffset:var(--len);animation:2.2s cubic-bezier(.2,.8,.2,1) .4s forwards fill}.count{--n:300;animation:2.2s cubic-bezier(.2,.8,.2,1) .4s forwards count}.scene{animation:1.1s cubic-bezier(.2,.8,.2,1) both scenein}}@keyframes fill{to{stroke-dashoffset:var(--target)}}@keyframes count{to{--n:782}}@keyframes float{0%,to{transform:translateZ(70px)translateY(0)rotateX(0)}50%{transform:translateZ(70px)translateY(-10px)rotateX(4deg)}}@keyframes bob{0%,to{translate:0}50%{translate:0 -8px}}@keyframes cardspin{0%,to{transform:translateZ(-60px)rotateY(-24deg)rotateX(10deg)}45%{transform:translateZ(-60px)rotateY(-24deg)rotateX(10deg)}55%{transform:translateZ(-60px)rotateY(156deg)rotateX(10deg)}90%{transform:translateZ(-60px)rotateY(156deg)rotateX(10deg)}}@keyframes sheen{0%{background-position:150% 0}to{background-position:-100% 0}}@keyframes pulse{0%,to{opacity:.7}50%{opacity:1}}@keyframes scenein{0%{opacity:0;transform:translateY(30px)rotateX(18deg)}to{opacity:1;transform:none}}.motion .card,.motion .bank-chip,.motion .facts>div{--rx:0deg;--ry:0deg;--gx:50%;--gy:50%;transform:perspective(800px) rotateX(var(--rx)) rotateY(var(--ry));transform-style:preserve-3d;will-change:transform;transition:transform .45s cubic-bezier(.2,.8,.2,1),box-shadow .3s,border-color .2s;position:relative}.motion .tilting{transition:transform 80ms linear,box-shadow .3s,border-color .2s;box-shadow:0 22px 40px -18px #0b1e5059}.motion .card:before,.motion .bank-chip:before{content:"";border-radius:inherit;pointer-events:none;opacity:0;background:radial-gradient(circle at var(--gx) var(--gy), #ffffff73, transparent 55%);mix-blend-mode:soft-light;transition:opacity .3s;position:absolute;inset:0}.motion .tilting:before{opacity:1}.motion .card h3,.motion .card .btn{transform:translateZ(28px)}.motion main section:not(.hero),.motion .hero-copy{transform-origin:50% 100%;transition:opacity .8s,transform .8s cubic-bezier(.2,.8,.2,1)}.motion main section:not(.hero):not(.in){opacity:0;transform:perspective(900px)translateY(36px)rotateX(10deg)}.motion .hero-copy:not(.in){opacity:0;transform:translateY(16px)}.btn{box-shadow:0 6px 0 -1px color-mix(in srgb, var(--brand) 55%, #000), 0 12px 20px -10px #0b1e5080;transition:transform .15s,box-shadow .2s,filter .2s}.btn:hover{transform:translateY(-2px)}.btn:active{box-shadow:0 2px 0 -1px color-mix(in srgb, var(--brand) 55%, #000);transform:translateY(3px)}@media (max-width:860px){.hero-grid{grid-template-columns:1fr}.scene{height:300px}.card3d{width:220px;height:140px;margin:-120px 0 0 -40px}.gauge-card{width:220px;margin-left:-150px}.orb2{bottom:-2%;right:4%}}@media (max-width:400px){.orb3{display:none}.card3d{margin-left:-60px}.gauge-card{margin-left:-130px}}@media (prefers-reduced-motion:reduce){.gauge-card,.orb,.card3d,.glow,.card3d-front:after{animation:none!important}}.post-grid{grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:16px;margin-top:16px;display:grid}.post-card{color:var(--text);gap:6px;text-decoration:none}.post-card:hover{border-color:var(--brand)}.post-card-title{margin:4px 0;font-size:1.15rem}.post-card p{margin:0}.tag{color:var(--brand);background:var(--brand-soft);border-radius:999px;align-self:flex-start;padding:2px 10px;font-size:.75rem;font-weight:600}.meta{color:var(--muted);font-size:.85rem}.post-hero{border-radius:var(--radius);width:100%;height:auto;margin:8px 0 16px}.prose{font-size:1.05rem}.prose h2{margin-top:1.6em}.prose h3{margin-top:1.4em}.prose img{border-radius:10px;max-width:100%;height:auto}.prose blockquote{border-left:4px solid var(--brand);background:var(--bg-soft);border-radius:0 10px 10px 0;margin:1em 0;padding:8px 16px}.prose table{border:1px solid var(--line);border-radius:10px;display:block;overflow-x:auto}.prose hr{border:0;border-top:1px solid var(--line);margin:2em 0}.prose code{background:var(--bg-soft);border-radius:6px;padding:1px 6px;font-size:.9em}.post-thumb{aspect-ratio:1200/630;object-fit:cover;border-radius:var(--radius) var(--radius) 0 0;width:calc(100% + 36px);height:auto;margin:-18px -18px 8px}