*{box-sizing:border-box}body{margin:0;font:17px/1.55 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:#1d2733;background:#f6f8fa}
.wrap{max-width:900px;margin:0 auto;padding:0 18px}
.top{background:#fff;border-bottom:1px solid #e3e8ee;position:sticky;top:0;z-index:5}
.bar{display:flex;justify-content:space-between;align-items:center;height:58px;gap:10px}
.brand{color:#0b5cad;font-weight:800;font-size:1.1rem;text-decoration:none}
.hero{background:linear-gradient(160deg,#0b5cad,#1a7f9c);color:#fff;padding:44px 0 50px}
.hero h1{font-size:clamp(1.7rem,5vw,2.5rem);line-height:1.15;margin:0 0 12px}.lead{font-size:1.1rem;opacity:.95}
.hero a:not(.btn){color:#fff}
.ticks{padding-left:0;list-style:none}.ticks li{padding-left:1.6em;position:relative;margin:6px 0}.ticks li:before{content:"✓";position:absolute;left:0;font-weight:700;color:#0b8a4a}.ticks.light li:before{color:#ffb703}
.btn{display:inline-block;background:#ffb703;color:#1d2733;font-weight:700;text-decoration:none;border:0;border-radius:10px;padding:14px 22px;font-size:1.05rem;cursor:pointer}
.btn.small{padding:8px 14px;font-size:.95rem;white-space:nowrap}.btn:hover{filter:brightness(.95)}
section{padding:30px 0}h2{margin-top:0}
.tgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
.tcard{display:block;background:#fff;border:1px solid #dbe2ea;border-radius:10px;padding:14px;font-weight:600;color:#0b5cad;text-decoration:none}
.tcard:hover{border-color:#0b5cad}
.two{display:grid;gap:18px}.tip{background:#fff8e6;border-left:4px solid #ffb703;padding:14px 16px;border-radius:6px}
.steps li{margin:8px 0}.note{background:#fff;border-left:4px solid #0b5cad;padding:12px 14px;border-radius:6px;font-size:.95rem}
.card{background:#fff;border:1px solid #e3e8ee;border-radius:12px;padding:22px 18px;margin:10px 0}
form{display:grid;gap:14px}.grid{display:grid;gap:14px}
label{display:grid;gap:5px;font-weight:600}input,select,textarea{font:inherit;padding:12px;border:1px solid #c5ced8;border-radius:8px;width:100%;background:#fff}
input:focus,select:focus,textarea:focus{outline:3px solid #9ccaf5;border-color:#0b5cad}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:.95rem}.check input{width:22px;height:22px;flex:none;margin-top:2px}
#formMsg{font-weight:600;color:#0b5cad;min-height:1.2em;margin:0}.tiny,.muted{font-size:.88rem;color:#5b6773}
details{background:#fff;border:1px solid #e3e8ee;border-radius:8px;padding:12px 14px;margin:8px 0}summary{font-weight:600;cursor:pointer}
footer{background:#1d2733;color:#c9d2dc;font-size:.9rem;padding:22px 0}footer a{color:#fff}.trades{line-height:2}
.prose{padding:30px 18px;background:#fff}
@media(min-width:640px){.grid{grid-template-columns:1fr 1fr}.tgrid{grid-template-columns:repeat(3,1fr)}.two{grid-template-columns:1.3fr 1fr}}