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2));box-shadow:inset 0 0 0 calc(var(--token-size) * .05) #b0ccffbf, inset 0 0 0 calc(var(--token-size) * .055) #1d3ea7f2, inset -15px -22px 24px #05123b59;background:radial-gradient(circle at 32% 28%,#5d88f3,#173eab 54%,#0b205e 100%)}.token-face-back{transform:rotateY(180deg) translateZ(calc(var(--token-depth) / 2));box-shadow:inset 0 0 0 calc(var(--token-size) * .05) #b0ccff99, inset 0 0 0 calc(var(--token-size) * .055) #1d3ea7e6;background:radial-gradient(circle at 32% 28%,#5277d3,#142f7e 60%,#0a173a 100%)}.next-token-light .token-face-front{box-shadow:inset 0 0 0 calc(var(--token-size) * .05) #f4f8ff, inset 0 0 0 calc(var(--token-size) * .055) #c6d4ee, inset -12px -16px 20px #7897d02e;background:radial-gradient(circle at 32% 28%,#fff,#e2eafa 45%,#b8c9e9 100%)}.next-token-light .token-face-back{background:radial-gradient(circle at 32% 28%,#fff,#d6e1f6 55%,#a7badd 100%)}.token-edge-segment{width:calc(var(--token-size) * .08);height:var(--token-depth);margin:calc(var(--token-depth) / -2) 0 0 calc(var(--token-size) * -.04);transform:rotateZ(var(--segment-angle)) translateY(calc(var(--token-radius) * -1)) rotateX(90deg);transform-origin:50%;background:linear-gradient(#31488a,#131f44);border-radius:2px;position:absolute;top:50%;left:50%}.next-token-light .token-edge-segment{background:linear-gradient(#c3d2ee,#8fa9d6)}.token-brand-emblem{width:calc(var(--token-size) * .46);height:calc(var(--token-size) * .46);background:#ffffff1f;border:1px solid #ffffff7a;border-radius:24%;place-items:center;display:grid;position:relative;box-shadow:inset 0 1px #ffffff47}.token-brand-emblem span{color:#eef4ff;font-size:calc(var(--token-size) * .3);letter-spacing:-.12em;font-weight:900;line-height:1;transform:translate(-4%)}.token-brand-emblem i{color:var(--mint);font-size:calc(var(--token-size) * .11);font-style:normal;font-weight:900;position:absolute;top:14%;right:12%}.next-token-light .token-brand-emblem{background:#ffffff8c;border-color:#c4d3ed}.next-token-light 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(prefers-reduced-motion:no-preference){.nc-art{transition:transform .6s cubic-bezier(.2,.7,.2,1)}}.nc-site-footer{color:#152d4d;background:#fff;border-top:1px solid #dce3ed;width:100%;padding:50px 0 27px}.nc-site-footer-inner{width:min(100% - 112px,1200px);margin-inline:auto}.nc-site-footer-main{grid-template-columns:1.7fr .95fr 1.15fr 1.2fr;align-items:start;gap:38px;padding-bottom:38px;display:grid}.nc-site-footer-company{min-width:0}.nc-site-footer-logo{align-items:center;max-width:100%;min-height:52px;display:inline-flex}.nc-site-footer-logo img{width:224px;max-width:100%;height:auto;display:block}.nc-site-footer-description{color:#586a80;margin:16px 0 24px;font-size:13px;line-height:1.65}.nc-site-footer-registration{color:#69798d;flex-direction:column;align-items:flex-start;gap:4px;font-size:11px;line-height:1.65;display:flex}.nc-site-footer-registration p{color:#40536a;margin:0 0 3px;font-size:11px;font-weight:600}.nc-site-footer-main h2{color:#243a56;letter-spacing:0;margin:13px 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#e3e8ee;justify-content:space-between;align-items:center;gap:24px;padding-top:23px;display:flex}.nc-site-footer-bottom p{color:#6a788a;margin:0;font-size:11px;line-height:1.7}.nc-site-footer-bottom p:last-child{color:#40536a}.nc-site-footer-note{color:#7b8797;max-width:940px;margin:12px 0 0;font-size:10px;line-height:1.8}@media (width<=1100px){.nc-site-footer-inner{width:calc(100% - 72px)}.nc-site-footer-main{grid-template-columns:1.6fr .95fr 1.05fr 1.25fr;gap:28px}.nc-site-footer-logo img{width:210px}.nc-site-footer-description{max-width:230px;font-size:12px}.nc-site-footer-contact .nc-site-footer-email{font-size:13px}}@media (width<=900px){.nc-site-footer{padding-top:39px}.nc-site-footer-main{grid-template-columns:1.5fr 1fr;gap:32px 60px}.nc-site-footer-registration,.nc-site-footer-registration p{font-size:12px}.nc-site-footer-description{max-width:none;margin-bottom:21px}.nc-site-footer-main h2{margin-top:10px;margin-bottom:14px}.nc-site-footer-links a{min-height:38px;font-size:13px}.nc-site-footer-contact .nc-site-footer-email{font-size:15px}.nc-site-footer-contact address{font-size:13px}}@media (width<=600px){.nc-site-footer{padding:33px 0 23px}.nc-site-footer-inner{width:calc(100% - 40px)}.nc-site-footer-main{grid-template-columns:1fr 1fr;gap:24px;padding-bottom:26px}.nc-site-footer-company{grid-column:1/-1;padding-bottom:8px}.nc-site-footer-logo img{width:214px}.nc-site-footer-description{margin-top:14px;margin-bottom:16px;font-size:13px}.nc-site-footer-registration{gap:3px;font-size:11px}.nc-site-footer-registration p{font-size:11px}.nc-site-footer-main h2{margin-top:0;margin-bottom:9px;font-size:13px}.nc-site-footer-links a{min-height:40px;font-size:12px}.nc-site-footer-contact{border-top:1px solid #edf0f5;grid-column:1/-1;padding-top:19px}.nc-site-footer-contact .nc-site-footer-email{font-size:15px}.nc-site-footer-address-label{margin-top:15px}.nc-site-footer-contact address{font-size:12px}.nc-site-footer-bottom{flex-direction:column;align-items:flex-start;gap:6px;padding-top:20px}.nc-site-footer-bottom p{font-size:10px}.nc-site-footer-note{margin-top:13px;font-size:10px;line-height:1.8}}@media (prefers-reduced-motion:reduce){.nc-site-footer a{transition:none}}.nc-blog{--nc-radius:24px;background:var(--paper);overflow:clip}.nc-container{width:min(100% - 112px,1200px);margin-inline:auto}.nc-blog-header{z-index:40;-webkit-backdrop-filter:blur(16px);backdrop-filter:blur(16px);background:#f6f7fbf5;position:sticky;top:0}.nc-blog-header .reference-nav{width:min(100% - 72px,1296px);min-height:88px}.nc-blog-header .reference-links{gap:30px}.nc-blog-header .nc-nav-active{color:var(--blue-deep)}.nc-nav-dot{background:var(--blue);border-radius:50%;width:5px;height:5px;margin-left:7px}.nc-blog .reference-cta svg{flex-shrink:0;width:17px;height:17px}.nc-eyebrow{color:#586983;letter-spacing:.12em;align-items:center;gap:10px;font-size:10px;font-weight:750;line-height:1.5;display:inline-flex}.nc-eyebrow i{background:var(--blue);border-radius:50%;width:6px;height:6px}.nc-blog-intro{padding:44px 0 32px}.nc-intro-top{justify-content:space-between;align-items:center;display:flex}.nc-edition{color:#697a93;font-family:var(--font-geist-mono), monospace;letter-spacing:.09em;font-size:9px}.nc-intro-main{justify-content:space-between;align-items:center;gap:44px;padding:32px 0 28px;display:flex}.nc-intro-main h1{letter-spacing:-.06em;margin:0;font-size:clamp(46px,5.1vw,72px);font-weight:750;line-height:1.04}.nc-intro-main h1 em{color:var(--blue-deep);font-style:normal}.nc-intro-note{border-left:1px solid #d6dfed;flex:0 0 300px;width:300px;padding-left:31px;position:relative}.nc-intro-note p{letter-spacing:-.035em;margin:0 0 13px;font-size:20px;font-weight:550;line-height:1.45}.nc-intro-note>span:last-child{color:#687892;font-size:12px;line-height:1.7;display:block}.nc-intro-symbol{color:var(--blue);font-size:44px;line-height:1;position:absolute;top:-30px;right:8px;transform:rotate(-9deg)}.nc-intro-bottom{border-top:1px solid var(--line);color:#60718b;justify-content:space-between;align-items:center;gap:20px;padding-top:22px;font-size:12px;display:flex}.nc-intro-bottom>span:last-child{align-items:center;gap:8px;display:flex}.nc-intro-bottom i{background:#1d8d57;border-radius:50%;width:5px;height:5px}.nc-feature{border-radius:var(--nc-radius);color:#fff;background:#234fc9;border:1px solid #204ec9;grid-template-columns:1.02fr 1fr;min-height:435px;transition:box-shadow .25s;display:grid;position:relative;overflow:hidden;box-shadow:0 14px 36px #113fb41f}.nc-feature:hover{box-shadow:0 18px 44px #113fb43b}.nc-feature-copy{z-index:2;flex-direction:column;align-items:flex-start;padding:34px 0 34px 40px;display:flex;position:relative}.nc-feature-kicker{color:#d5e1ff;letter-spacing:.13em;align-items:center;gap:8px;font-size:9px;font-weight:650;display:flex}.nc-feature-kicker>span{background:var(--mint);border-radius:50%;width:5px;height:5px}.nc-feature-category{color:#d4ffe2;background:#b8f4cc14;border:1px solid #b8f4cc66;border-radius:6px;margin-top:28px;padding:6px 11px;font-size:10px;font-weight:650}.nc-feature-copy h2{letter-spacing:-.045em;max-width:520px;margin:15px 0 16px;font-size:clamp(30px,3vw,42px);font-weight:650;line-height:1.12}.nc-feature-copy p{color:#d3dffb;max-width:440px;margin:0;font-size:13px;line-height:1.7}.nc-feature-bottom{align-items:center;gap:25px;width:100%;margin-top:26px;display:flex}.nc-feature-link{background:var(--mint);color:#123b2a;border-radius:9px;align-items:center;gap:22px;min-height:44px;padding:0 17px;font-size:12px;font-weight:750;transition:background .2s;display:flex}.nc-feature:hover .nc-feature-link{background:#d1ffdf}.nc-read-time{white-space:nowrap;align-items:center;gap:6px;font-size:10px;font-weight:500;display:inline-flex}.nc-feature-bottom .nc-read-time{color:#d2dffb}.nc-feature-art{background:radial-gradient(at 70% 60%,#426fe0,#2b57cd 65%);border:1px solid #dbe7ff2e;border-radius:16px;justify-content:center;align-items:center;min-width:0;margin:20px;display:flex;position:relative}.nc-feature-art:before{content:"";border:1px solid #e2ecff1a;border-radius:50%;width:290px;height:290px;position:absolute}.nc-feature-art .nc-art{flex-shrink:0;width:113%;max-width:none;transition:transform .5s}.nc-feature:hover .nc-feature-art .nc-art{transform:translateY(-5px)rotate(-1deg)}.nc-feature-caption{color:#d0dfff;font-family:var(--font-geist-mono), monospace;letter-spacing:.1em;font-size:8px;position:absolute;top:19px;left:20px}.nc-feature-art-note{color:#d0dfff;justify-content:space-between;align-items:center;font-size:10px;display:flex;position:absolute;bottom:18px;left:20px;right:20px}.nc-feature-art-note>span{color:var(--mint);font-size:22px}.nc-library{padding-top:64px}.nc-library-heading{justify-content:space-between;align-items:flex-end;gap:28px;display:flex}.nc-library-heading h2{letter-spacing:-.045em;max-width:620px;margin:10px 0 0;font-size:clamp(24px,2.6vw,32px);font-weight:650;line-height:1.18}.nc-library-heading h2>span{color:var(--blue)}.nc-search{color:#687994;background:#fff;border:1px solid #dbe2ef;border-radius:10px;align-items:center;gap:10px;min-width:250px;padding:0 14px;display:flex}.nc-search:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px #dce7ff}.nc-search input{width:100%;min-width:0;height:44px;color:var(--ink);background:0 0;border:0;outline:0;font-size:12px}.nc-search input::placeholder{color:#697a93}.nc-search input:focus-visible{outline:none}.nc-library-tools{border-bottom:1px solid var(--line);margin-top:27px}.nc-topic-list{flex-wrap:wrap;gap:8px;padding-bottom:18px;display:flex}.nc-topic-list button{cursor:pointer;color:#586983;background:0 0;border:1px solid #0000;border-radius:8px;justify-content:center;align-items:center;gap:8px;min-height:38px;padding:0 14px;font-size:11px;font-weight:600;transition:color .18s,background .18s;display:flex}.nc-topic-list button:hover{color:var(--ink);background:#e8edf6}.nc-topic-list button.is-active{border-color:var(--ink);background:var(--ink);color:#fff}.nc-topic-list button>span{color:#d6e2f5;background:#ffffff26;border-radius:4px;place-items:center;width:17px;height:17px;font-size:9px;display:grid}.nc-results-note{color:#687994;justify-content:space-between;align-items:center;gap:18px;margin:18px 0 23px;font-size:11px;line-height:1.5;display:flex}.nc-results-note button{cursor:pointer;min-height:28px;color:var(--blue-deep);background:0 0;align-items:center;gap:9px;padding:0;font-size:11px;display:inline-flex}.nc-article-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:30px;display:grid}.nc-article-card{background:#fff;border:1px solid #dce3ef;border-radius:20px;min-width:0;transition:box-shadow .25s,transform .25s;overflow:hidden}.nc-article-card:hover{transform:translateY(-4px);box-shadow:0 14px 36px #0c1b3314}.nc-article-card>a{flex-direction:column;height:100%;display:flex}.nc-card-art{background:#e6ecff;border-bottom:1px solid #0c1b330a;justify-content:center;align-items:center;height:236px;display:flex;position:relative;overflow:hidden}.nc-art-credit-fara-adeverinta-de-venit{background:#e3eeff}.nc-art-credit-cu-istoric-negativ{background:#e2f2e9}.nc-art-credit-respins{background:#f7e8e2}.nc-art-cat-dureaza-un-credit-online{background:#e0eef4}.nc-card-art .nc-art{width:89%;height:110%;transition:transform .5s}.nc-article-card:hover .nc-card-art .nc-art{transform:translateY(-4px)scale(1.025)}.nc-card-index{z-index:1;color:#58708d;font-family:var(--font-geist-mono), monospace;letter-spacing:.06em;font-size:8px;font-weight:500;position:absolute;top:17px;left:22px}.nc-card-open{width:36px;height:36px;color:var(--blue-deep);background:#ffffff8c;border:1px solid #0c1b331f;border-radius:50%;place-items:center;transition:color .2s,background .2s;display:grid;position:absolute;bottom:17px;right:17px}.nc-article-card:hover .nc-card-open{background:var(--blue-deep);color:#fff}.nc-card-copy{flex-direction:column;flex:1;padding:24px 27px 25px;display:flex}.nc-card-meta{color:#677a95;justify-content:space-between;align-items:center;gap:15px;display:flex}.nc-card-meta>span:first-child{color:var(--blue-deep);font-size:10px;font-weight:650}.nc-card-copy h3{letter-spacing:-.04em;margin:15px 0 13px;font-size:24px;font-weight:650;line-height:1.25}.nc-card-copy p{color:#687994;margin:0 0 23px;font-size:13px;line-height:1.75}.nc-card-link{color:var(--ink);border-top:1px solid #ecf0f6;justify-content:space-between;align-items:center;margin-top:auto;padding-top:18px;font-size:11px;font-weight:650;display:flex}.nc-card-link svg{width:18px;height:18px;color:var(--blue-deep)}.nc-empty{text-align:center;border:1px dashed #cbd6e8;border-radius:18px;padding:60px 25px}.nc-empty>span{width:50px;height:50px;color:var(--blue-deep);background:#e4ebff;border-radius:50%;place-items:center;font-size:28px;display:inline-grid}.nc-empty h3{letter-spacing:-.04em;margin:20px 0 10px;font-size:27px}.nc-empty p{color:#60718b;font-size:14px;line-height:1.7}.nc-empty button{cursor:pointer;background:var(--blue-deep);color:#fff;border-radius:8px;align-items:center;gap:15px;min-height:44px;padding:0 16px;font-size:12px;display:inline-flex}.nc-blog-cta{background:#e7f2eb;border:1px solid #d8e6dc;border-radius:20px;grid-template-columns:100px 1fr auto;align-items:center;gap:33px;margin-top:70px;margin-bottom:70px;padding:38px 42px;display:grid;position:relative;overflow:hidden}.nc-blog-cta .nc-eyebrow{color:#43715a;font-size:8px}.nc-blog-cta h2{letter-spacing:-.045em;margin:10px 0 12px;font-size:32px;font-weight:650;line-height:1.15}.nc-blog-cta p{color:#547064;max-width:440px;margin:0;font-size:12px;line-height:1.7}.nc-cta-orbit{background:linear-gradient(130deg,#f4fff8,#c8e5d4);border:1px solid #adccba;border-radius:50%;place-items:center;width:96px;height:96px;display:grid;position:relative;box-shadow:inset 0 0 0 8px #e7f4eb,inset 0 0 0 9px #bfd8c8,0 15px 24px #245a3d14}.nc-cta-orbit span{color:var(--blue-deep);font-size:48px;line-height:1}.nc-cta-action{flex-direction:column;align-items:center;gap:12px;display:flex}.nc-cta-action>span{color:#5a7667;font-size:9px}.nc-breadcrumb{color:#6c7b92;justify-content:space-between;align-items:center;gap:24px;padding-block:30px;font-size:11px;display:flex}.nc-breadcrumb nav{flex-wrap:wrap;align-items:center;gap:11px;display:flex}.nc-breadcrumb a:hover{color:var(--blue-deep)}.nc-breadcrumb>a{color:var(--blue-deep);white-space:nowrap}.nc-article-hero{border-bottom:1px solid var(--line);grid-template-columns:1.2fr 1fr;align-items:stretch;gap:30px;min-height:390px;padding-bottom:42px;display:grid}.nc-article-hero-copy{flex-direction:column;align-items:flex-start;padding-top:12px;display:flex}.nc-article-category{color:var(--blue-deep);background:#e8eeff;border:1px solid #d2def5;border-radius:6px;padding:6px 11px;font-size:10px;font-weight:650;display:inline-flex}.nc-article-hero h1{letter-spacing:-.05em;margin:20px 0;font-size:clamp(32px,3.4vw,49px);font-weight:700;line-height:1.08}.nc-article-hero-copy>p{color:#60718b;max-width:555px;margin:0;font-size:14px;line-height:1.8}.nc-article-byline{align-items:center;gap:10px;width:100%;margin-top:25px;display:flex}.nc-byline-mark{width:33px;height:33px;color:var(--blue-deep);background:#e6edff;border:1px solid #d4dff3;border-radius:50%;place-items:center;font-size:16px;font-weight:800;display:grid;position:relative}.nc-byline-mark>span{font-size:9px;position:absolute;bottom:4px;right:5px}.nc-article-byline>span:nth-child(2){color:#40516d;flex-direction:column;gap:3px;font-size:11px;font-weight:650;display:flex}.nc-article-byline>span:nth-child(2)>span{color:#77879f;font-size:9px;font-weight:500}.nc-article-byline .nc-read-time{color:#60718b;border-left:1px solid #dce3ef;margin-left:17px;padding-left:24px}.nc-article-hero-art{background:#e5ecff;border:1px solid #d9e1f4;border-radius:19px;justify-content:center;align-items:center;display:flex;position:relative;overflow:hidden}.nc-hero-credit-fara-adeverinta-de-venit .nc-article-hero-art{background:#e3eeff}.nc-hero-credit-cu-istoric-negativ .nc-article-hero-art{background:#e2f2e9;border-color:#d2e5da}.nc-hero-credit-respins .nc-article-hero-art{background:#f7e8e2;border-color:#ecd9d0}.nc-hero-cat-dureaza-un-credit-online .nc-article-hero-art{background:#e0eef4;border-color:#d2e2eb}.nc-article-hero-art .nc-art{flex-shrink:0;width:112%;max-width:none}.nc-hero-art-caption{color:#58708d;font-family:var(--font-geist-mono), monospace;letter-spacing:.07em;justify-content:space-between;align-items:center;font-size:8px;display:flex;position:absolute;bottom:19px;left:22px;right:22px}.nc-hero-art-caption>span{color:var(--blue-deep);font-size:20px}.nc-article-layout{grid-template-columns:250px minmax(0,720px);justify-content:space-between;align-items:start;gap:70px;padding-top:44px;display:grid}.nc-article-sidebar{align-self:start;position:sticky;top:115px}.nc-reading-progress{background:#dde5f2;height:2px;margin-bottom:20px;overflow:hidden}.nc-reading-progress span{background:var(--blue);height:100%;transition:width .1s linear;display:block}.nc-toc{margin:0}.nc-toc 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