:root{
  --bg:#0a1128;
  --panel:#111b3d;
  --panel-2:#0e1636;
  --line:rgba(233,238,255,.12);
  --ink:#eef1fb;
  --ink-dim:#9aa5cc;
  --gold:#f0b429;
  --gold-soft:#ffd76a;
  --cobalt:#4f8bff;
  --good:#4fd18b;
  --radius:16px;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--font);line-height:1.65;font-size:16px}
img{max-width:100%;display:block}
a{color:var(--gold-soft)}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
.skip-link{position:absolute;left:-999px;top:0;background:var(--gold);color:#1a1300;padding:10px 16px;border-radius:8px;z-index:100}
.skip-link:focus{left:20px;top:10px}

/* header */
.topbar{position:sticky;top:0;z-index:20;background:rgba(10,17,40,.92);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.topbar-row{display:flex;align-items:center;justify-content:space-between;height:70px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none}
.brand img{height:30px;width:auto}
.tag{font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-dim);border:1px solid var(--line);padding:3px 8px;border-radius:99px}
.go-btn{background:var(--gold);color:#1a1300;font-weight:700;padding:10px 18px;border-radius:10px;text-decoration:none;white-space:nowrap}
.go-btn:hover{background:var(--gold-soft)}

/* hero */
.hero{padding:56px 0 40px;border-bottom:1px solid var(--line);background:radial-gradient(1100px 420px at 80% -10%,rgba(79,139,255,.18),transparent)}
.hero .kicker{color:var(--cobalt);font-weight:700;letter-spacing:.05em;text-transform:uppercase;font-size:13px;margin:0 0 10px}
.hero h1{font-size:clamp(30px,4.4vw,46px);line-height:1.12;margin:0 0 16px;max-width:16ch}
.hero .lede{color:var(--ink-dim);font-size:17px;max-width:60ch;margin:0 0 26px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:30px}
.btn-primary{background:var(--gold);color:#1a1300;font-weight:700;padding:14px 24px;border-radius:12px;text-decoration:none}
.btn-outline{border:1px solid var(--line);color:var(--ink);padding:14px 24px;border-radius:12px;text-decoration:none}
.checklist{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px;list-style:none;padding:0;margin:0}
.checklist li{background:var(--panel);border:1px solid var(--line);border-radius:12px;padding:14px 16px;font-size:14.5px;display:flex;gap:10px;align-items:flex-start}
.checklist li::before{content:"✓";color:var(--good);font-weight:800;flex:none}

/* steps */
.steps-section{padding:52px 0}
.section-head{max-width:60ch;margin-bottom:30px}
.section-head .eyebrow{color:var(--gold);font-weight:700;font-size:13px;text-transform:uppercase;letter-spacing:.05em;margin:0 0 8px}
.section-head h2{font-size:26px;margin:0 0 10px}
.section-head p{color:var(--ink-dim);margin:0}
.step-list{counter-reset:step;display:grid;gap:14px}
.step{display:grid;grid-template-columns:56px 1fr;gap:18px;background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.step .num{counter-increment:step;width:44px;height:44px;border-radius:50%;background:linear-gradient(160deg,var(--gold),var(--gold-soft));color:#1a1300;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:18px}
.step .num::before{content:counter(step)}
.step h3{margin:0 0 6px;font-size:17.5px}
.step p{margin:0;color:var(--ink-dim);font-size:14.5px}

/* two col */
.two-col{padding:52px 0;border-top:1px solid var(--line)}
.two-col .grid{display:grid;grid-template-columns:1.3fr 1fr;gap:34px}
@media (max-width:820px){.two-col .grid{grid-template-columns:1fr}}
.panel-card{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.panel-card h3{margin:0 0 10px;font-size:16px;color:var(--gold-soft)}
.panel-card ul{margin:0;padding-left:18px;color:var(--ink-dim);font-size:14.5px}
.panel-card li{margin-bottom:8px}

/* article */
.article{padding:8px 0 40px}
.article h2{font-size:23px;margin:36px 0 12px}
.article h3{font-size:17px;margin:22px 0 8px}
.article p{color:var(--ink-dim);margin:0 0 14px}
.article a{text-decoration:underline}
.article table{width:100%;border-collapse:collapse;margin:16px 0;font-size:14.5px}
.article th,.article td{border:1px solid var(--line);padding:9px 12px;text-align:left}
.article th{background:var(--panel);color:var(--gold-soft)}
.article ul{color:var(--ink-dim)}

/* badges */
.pay-strip{display:flex;align-items:center;gap:18px;flex-wrap:wrap;padding:18px 22px;background:var(--panel);border:1px solid var(--line);border-radius:12px;margin:20px 0}
.pay-strip span{font-size:13px;color:var(--ink-dim)}
.pay-strip img{height:16px;width:auto}

/* faq */
.faq-section{padding:20px 0 50px}
.faq-item{border-bottom:1px solid var(--line);padding:16px 0}
.faq-item h3{margin:0 0 8px;font-size:16px}
.faq-item p{margin:0;color:var(--ink-dim);font-size:14.5px}

/* cta band */
.cta-band{background:linear-gradient(120deg,var(--panel),#0e1636);border:1px solid var(--line);border-radius:var(--radius);padding:28px;display:flex;flex-wrap:wrap;gap:18px;align-items:center;justify-content:space-between;margin:12px 0 50px}
.cta-band p.t{margin:0 0 6px;font-size:18px;font-weight:700}
.cta-band p.d{margin:0;color:var(--ink-dim);font-size:14px;max-width:44ch}

/* footer */
.site-footer{border-top:1px solid var(--line);padding:36px 0 30px;background:var(--panel-2)}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:26px;margin-bottom:24px}
@media (max-width:700px){.foot-grid{grid-template-columns:1fr}}
.foot-grid h4{margin:0 0 10px;font-size:13px;text-transform:uppercase;letter-spacing:.05em;color:var(--ink-dim)}
.foot-grid p{color:var(--ink-dim);font-size:13.5px;margin:0 0 10px}
.foot-grid ul{list-style:none;padding:0;margin:0}
.foot-grid li{margin-bottom:8px}
.foot-grid a{color:var(--ink-dim);text-decoration:none;font-size:13.5px}
.foot-bottom{border-top:1px solid var(--line);padding-top:18px;font-size:12.5px;color:var(--ink-dim)}
.foot-bottom .age{display:inline-block;background:var(--gold);color:#1a1300;font-weight:800;border-radius:6px;padding:1px 7px;margin-right:8px;font-size:11.5px}
.foot-bottom p{margin:0 0 8px}