:root{
  --paper:#F6F6F4; --paper-deep:#EDEDEA; --surface:#FFFFFF;
  --ink:#141414; --ink-soft:#4F4F4C; --muted:#6B6B66; --hairline:#DFDFD9;
  --cobalt:#2733E0; --cobalt-deep:#1B22A8; --orange:#F4731C; --moss:#12A150;
  --maxw:1080px;
  --font:-apple-system,BlinkMacSystemFont,"SF Pro Display","Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{-webkit-text-size-adjust:100%}
body{
  font-family:var(--font); color:var(--ink); background:var(--paper);
  line-height:1.55; font-size:17px; -webkit-font-smoothing:antialiased;
}
a{color:var(--cobalt); text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%; display:block}
.wrap{max-width:var(--maxw); margin:0 auto; padding:0 20px}

/* Header */
.nav{border-bottom:1px solid var(--hairline); background:var(--paper); position:sticky; top:0; z-index:10}
.nav .wrap{display:flex; align-items:center; justify-content:space-between; height:60px}
.brand{display:flex; align-items:center; gap:10px; font-weight:800; letter-spacing:.14em; font-size:14px}
.brand img{width:26px; height:26px; border:1px solid var(--hairline)}
.nav-links{display:flex; gap:22px; align-items:center}
.nav-links a{color:var(--ink); font-size:14px; font-weight:500}
.nav-cta{background:var(--cobalt); color:#fff!important; padding:9px 16px; font-size:13px; font-weight:700; letter-spacing:.06em; text-transform:uppercase}
.nav-cta:hover{background:var(--cobalt-deep); text-decoration:none}
@media(max-width:560px){ .nav-links a:not(.nav-cta){display:none} }

/* Hero */
.hero{padding:72px 0 56px; border-bottom:1px solid var(--hairline)}
.eyebrow{color:var(--cobalt); font-size:12px; font-weight:800; letter-spacing:.22em; text-transform:uppercase; margin-bottom:18px}
h1{font-size:56px; line-height:1.02; letter-spacing:-.025em; font-weight:800; max-width:14ch}
.hero p.lead{font-size:19px; color:var(--ink-soft); margin-top:20px; max-width:52ch}
.cta-row{display:flex; gap:14px; flex-wrap:wrap; margin-top:32px; align-items:center}
.btn{display:inline-flex; align-items:center; gap:9px; background:var(--cobalt); color:#fff; padding:15px 26px; font-weight:700; font-size:15px; letter-spacing:.02em}
.btn:hover{background:var(--cobalt-deep); text-decoration:none}
.btn-ghost{background:transparent; color:var(--ink); border:1px solid var(--hairline)}
.btn-ghost:hover{border-color:var(--ink)}
.note{color:var(--muted); font-size:14px}
@media(max-width:680px){ h1{font-size:38px} .hero{padding:48px 0 40px} }

/* Sections */
section{padding:64px 0; border-bottom:1px solid var(--hairline)}
h2{font-size:32px; letter-spacing:-.02em; font-weight:800; margin-bottom:8px}
.sub{color:var(--muted); font-size:15px; margin-bottom:34px; max-width:54ch}
.grid{display:grid; grid-template-columns:repeat(3,1fr); gap:1px; background:var(--hairline); border:1px solid var(--hairline)}
.grid .cell{background:var(--surface); padding:26px}
.grid .cell h3{font-size:18px; font-weight:700; margin:14px 0 6px}
.grid .cell p{color:var(--ink-soft); font-size:15px}
.ico{width:40px; height:40px; border:1px solid rgba(39,51,224,.18); background:rgba(39,51,224,.06); color:var(--cobalt); display:flex; align-items:center; justify-content:center; font-size:19px}
@media(max-width:760px){ .grid{grid-template-columns:1fr} }

/* Steps */
.steps{display:grid; grid-template-columns:repeat(3,1fr); gap:24px; counter-reset:s}
.step{counter-increment:s}
.step .n{font-size:13px; font-weight:800; color:var(--orange); letter-spacing:.1em}
.step h3{font-size:18px; margin:6px 0 6px; font-weight:700}
.step p{color:var(--ink-soft); font-size:15px}
@media(max-width:760px){ .steps{grid-template-columns:1fr; gap:28px} }

/* FAQ */
.faq{max-width:760px}
.faq details{border-bottom:1px solid var(--hairline); padding:18px 0}
.faq summary{font-weight:700; font-size:17px; cursor:pointer; list-style:none; display:flex; justify-content:space-between; gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+"; color:var(--cobalt); font-weight:700}
.faq details[open] summary::after{content:"\2013"}
.faq p{color:var(--ink-soft); font-size:15px; margin-top:12px}

/* Final CTA */
.final{background:var(--cobalt); color:#fff; text-align:center}
.final h2{color:#fff}
.final p{color:rgba(255,255,255,.82); max-width:46ch; margin:10px auto 26px}
.final .btn{background:#fff; color:var(--cobalt)}
.final .btn:hover{background:var(--paper)}

/* Legal / article pages */
.article{padding:56px 0; max-width:760px; margin:0 auto}
.article h1{font-size:38px; max-width:none}
.article .updated{color:var(--muted); font-size:14px; margin:10px 0 32px}
.article h2{font-size:22px; margin:34px 0 10px}
.article p,.article li{color:var(--ink-soft); font-size:16px; margin-bottom:12px}
.article ul{padding-left:22px}
.article strong{color:var(--ink)}
.article a{font-weight:600}

/* Footer */
footer{padding:40px 0; color:var(--muted); font-size:14px}
footer .wrap{display:flex; justify-content:space-between; flex-wrap:wrap; gap:16px}
footer a{color:var(--muted)}
footer .fl{display:flex; gap:20px; flex-wrap:wrap}