:root{--navy:#0b2545;--navy2:#13315c;--yellow:#ffc93c;--ink:#1d2433;--muted:#5b6475;--bg:#f7f8fb}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{color:var(--navy2)}
.wrap{max-width:960px;margin:0 auto;padding:0 20px}
header.top{background:var(--navy);color:#fff}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px}
.logo{font-weight:800;font-size:1.15rem;color:#fff;text-decoration:none;display:flex;align-items:center;gap:8px}
.logo span.sun{display:inline-block;width:22px;height:22px;border-radius:50%;background:var(--yellow);box-shadow:0 0 0 4px rgba(255,201,60,.25)}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:56px 0 64px}
.hero h1{font-size:2rem;line-height:1.2;margin:0 0 14px}
.hero p{font-size:1.1rem;color:#dbe4f3;margin:0 0 24px;max-width:600px}
.badge{display:inline-block;background:rgba(255,201,60,.15);color:var(--yellow);border:1px solid rgba(255,201,60,.4);padding:4px 12px;border-radius:999px;font-size:.85rem;margin-bottom:16px}
.btn{display:inline-block;background:var(--yellow);color:var(--navy);font-weight:700;text-decoration:none;padding:13px 24px;border-radius:8px}
section{padding:48px 0}
section.alt{background:var(--bg)}
h2{font-size:1.5rem;color:var(--navy);margin:0 0 20px}
.steps{list-style:none;padding:0;margin:0;display:grid;gap:16px}
.steps li{background:#fff;border:1px solid #e3e7ef;border-radius:12px;padding:20px;display:flex;gap:16px;align-items:flex-start}
.num{flex:0 0 36px;height:36px;border-radius:50%;background:var(--yellow);color:var(--navy);font-weight:800;display:flex;align-items:center;justify-content:center}
.steps h3{margin:2px 0 4px;font-size:1.05rem;color:var(--navy)}
.steps p{margin:0;color:var(--muted)}
.cards{display:grid;gap:16px}
.card{border-left:4px solid var(--yellow);background:#fff;padding:18px 20px;border-radius:8px;border-top:1px solid #e3e7ef;border-right:1px solid #e3e7ef;border-bottom:1px solid #e3e7ef}
.card h3{margin:0 0 6px;color:var(--navy);font-size:1.05rem}.card p{margin:0;color:var(--muted)}
details{border:1px solid #e3e7ef;border-radius:10px;padding:14px 18px;margin-bottom:12px;background:#fff}
summary{cursor:pointer;font-weight:700;color:var(--navy)}
details p{margin:10px 0 0;color:var(--muted)}
.note{font-weight:600;color:var(--navy)}
footer{background:var(--navy);color:#c9d4e6;padding:32px 0;font-size:.92rem}
footer a{color:var(--yellow)}
footer p{margin:6px 0}
.legal h2{margin-top:32px}.legal h1{color:var(--navy);font-size:1.8rem;margin:0 0 8px}
@media(min-width:720px){.hero h1{font-size:2.7rem}.steps{grid-template-columns:repeat(3,1fr)}.steps li{flex-direction:column}.cards{grid-template-columns:1fr 1fr}}