*{box-sizing:border-box}body{margin:0;font:17px/1.6 system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:#1d2733;background:#f6f8fa}
a{color:#0b5cad}header{background:#fff;border-bottom:1px solid #dde3ea}.wrap{max-width:980px;margin:0 auto;padding:0 18px}
.top{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:8px;padding:12px 0}.logo{font-weight:700;font-size:20px;color:#12324f;text-decoration:none}
nav a{margin-left:14px;font-size:15px;text-decoration:none;color:#33495f}nav a.cta{background:#0b5cad;color:#fff;padding:6px 12px;border-radius:6px}
.alert{background:#fff4e5;border-bottom:2px solid #e07b00;padding:10px 0;font-size:15px}.alert b{color:#a34f00}
h1{font-size:32px;line-height:1.2;color:#12324f;margin:28px 0 10px}h2{color:#12324f;margin-top:30px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:14px;margin:16px 0}
.card{background:#fff;border:1px solid #dde3ea;border-radius:10px;padding:16px}.card h3{margin:0 0 6px;font-size:18px}
.qa{background:#fff;border-left:4px solid #0b5cad;padding:10px 14px;margin:10px 0;border-radius:4px}.qa b{display:block}
form{background:#fff;border:1px solid #dde3ea;border-radius:10px;padding:18px}label{display:block;font-weight:600;font-size:15px;margin-top:12px}
input,select,textarea{width:100%;padding:10px;border:1px solid #b9c4cf;border-radius:6px;font:inherit}.chk{display:flex;gap:10px;font-weight:400;align-items:flex-start}.chk input{width:auto;margin-top:6px}
button{margin-top:16px;background:#0b5cad;color:#fff;border:0;padding:12px 20px;border-radius:6px;font:inherit;font-weight:600}
.disc{background:#eef4fa;border:1px solid #c9d9ea;border-radius:8px;padding:12px;font-size:15px;margin-top:14px}
.two{display:grid;grid-template-columns:1.4fr 1fr;gap:18px}@media(max-width:760px){.two{grid-template-columns:1fr}h1{font-size:26px}nav a{margin:0 10px 0 0}}
footer{margin-top:40px;background:#12324f;color:#cfdbe7;padding:22px 0;font-size:14px}footer a{color:#fff}.muted{color:#5b6b7b;font-size:14px}