*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #1F2D3D;
  --blue: #4A63F3;
  --blue-light: #7B93FF;
  --cream: #F7F5F2;
  --cream-light: #FCFAF6;
  --text-muted: #6B7280;
  --border: rgba(74,99,243,0.15);
  --shadow: 0 4px 24px rgba(74,99,243,0.10);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  background: var(--cream);
  color: var(--navy);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

/* NAV */
nav {
  position: sticky; top: 0; z-index: 100;
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 40px;
  background: rgba(252,250,246,0.94);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border);
}
.nav-logo {
  display: flex; align-items: center; gap: 9px;
  font-family: 'Poppins', sans-serif;
  font-weight: 900; font-size: 1.3rem;
  text-decoration: none;
}
.nav-logo-img {
  width: 32px; height: 32px; border-radius: 8px; object-fit: contain; flex-shrink: 0;
}
.nav-logo-text {
  background: linear-gradient(90deg, var(--navy), var(--blue));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
}
.nav-back {
  display: flex; align-items: center; gap: 8px;
  color: var(--text-muted); font-size: 0.875rem; font-weight: 500;
  text-decoration: none; transition: color 0.2s;
}
.nav-back:hover { color: var(--blue); }
.nav-back svg { width: 16px; height: 16px; }

/* PAGE WRAPPER */
.page-wrap {
  max-width: 800px;
  margin: 0 auto;
  padding: 56px 24px 96px;
}

/* PAGE HEADER */
.page-header {
  margin-bottom: 48px;
  padding-bottom: 32px;
  border-bottom: 1px solid var(--border);
}
.page-tag {
  display: inline-block;
  background: rgba(74,99,243,0.08);
  color: var(--blue);
  font-size: 0.72rem; font-weight: 700; letter-spacing: 2px;
  text-transform: uppercase; padding: 5px 14px; border-radius: 50px;
  margin-bottom: 14px;
}
.page-title {
  font-family: 'Poppins', sans-serif;
  font-weight: 800; font-size: clamp(1.8rem, 4vw, 2.6rem);
  line-height: 1.15; color: var(--navy);
  margin-bottom: 10px;
}
.page-subtitle {
  color: var(--text-muted); font-size: 0.95rem; line-height: 1.7;
}
.page-meta {
  margin-top: 16px;
  font-size: 0.82rem; color: var(--text-muted);
}

/* SECTIONS */
.section { margin-bottom: 40px; }
.section-title {
  font-family: 'Poppins', sans-serif;
  font-weight: 700; font-size: 1.05rem;
  color: var(--navy); margin-bottom: 12px;
  display: flex; align-items: center; gap: 10px;
}
.section-title .num {
  width: 28px; height: 28px; border-radius: 50%;
  background: rgba(74,99,243,0.1); color: var(--blue);
  font-size: 0.8rem; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
p {
  color: var(--text-muted); font-size: 0.93rem; line-height: 1.75;
  margin-bottom: 14px;
}
p:last-child { margin-bottom: 0; }

ul.list {
  list-style: none; display: flex; flex-direction: column; gap: 10px;
  margin-top: 4px;
}
ul.list li {
  display: flex; align-items: flex-start; gap: 10px;
  color: var(--text-muted); font-size: 0.92rem; line-height: 1.65;
}
ul.list li::before {
  content: ''; flex-shrink: 0;
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--blue); margin-top: 8px;
}

/* CARD */
.card {
  background: var(--cream-light);
  border: 1px solid var(--border);
  border-radius: 16px; padding: 28px;
  margin-bottom: 16px;
}
.card-title {
  font-family: 'Poppins', sans-serif;
  font-weight: 700; font-size: 0.95rem;
  color: var(--navy); margin-bottom: 8px;
}

/* HIGHLIGHT BOX */
.highlight {
  background: rgba(74,99,243,0.06);
  border: 1px solid rgba(74,99,243,0.18);
  border-left: 4px solid var(--blue);
  border-radius: 0 12px 12px 0;
  padding: 18px 20px;
  margin: 20px 0;
}
.highlight p { color: var(--navy); font-size: 0.9rem; margin: 0; }

/* CONTACT CARD */
.contact-card {
  display: flex; align-items: center; gap: 16px;
  background: var(--cream-light);
  border: 1px solid var(--border);
  border-radius: 16px; padding: 20px 24px;
  text-decoration: none; transition: box-shadow 0.2s, border-color 0.2s;
  margin-bottom: 12px;
}
.contact-card:hover { box-shadow: var(--shadow); border-color: var(--blue); }
.contact-icon {
  width: 44px; height: 44px; border-radius: 12px;
  background: rgba(74,99,243,0.1);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; flex-shrink: 0;
}
.contact-info { flex: 1; }
.contact-label { font-size: 0.78rem; color: var(--text-muted); margin-bottom: 2px; }
.contact-value { font-weight: 600; font-size: 0.9rem; color: var(--navy); }

/* FAQ ACCORDION */
.faq-item {
  background: var(--cream-light);
  border: 1px solid var(--border);
  border-radius: 14px;
  margin-bottom: 10px;
  overflow: hidden;
  transition: box-shadow 0.2s;
}
.faq-item.open { box-shadow: var(--shadow); border-color: rgba(74,99,243,0.3); }
.faq-q {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 22px;
  cursor: pointer;
  font-family: 'Poppins', sans-serif; font-weight: 600; font-size: 0.92rem;
  color: var(--navy);
  user-select: none;
  gap: 12px;
}
.faq-q .icon {
  width: 24px; height: 24px; border-radius: 50%;
  background: rgba(74,99,243,0.1);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; transition: transform 0.25s, background 0.2s;
  color: var(--blue); font-size: 0.85rem; font-weight: 700;
}
.faq-item.open .faq-q .icon { transform: rotate(45deg); background: var(--blue); color: white; }
.faq-a {
  max-height: 0; overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
  padding: 0 22px;
}
.faq-item.open .faq-a { max-height: 400px; padding: 0 22px 20px; }
.faq-a p { margin: 0; }

/* DANGER ZONE */
.danger-box {
  background: rgba(239,68,68,0.05);
  border: 1.5px solid rgba(239,68,68,0.25);
  border-radius: 16px; padding: 28px;
  margin-top: 8px;
}
.danger-title {
  font-family: 'Poppins', sans-serif;
  font-weight: 700; font-size: 0.95rem;
  color: #DC2626; margin-bottom: 8px;
  display: flex; align-items: center; gap: 8px;
}
.danger-btn {
  display: inline-block; margin-top: 20px;
  padding: 12px 28px; border-radius: 50px;
  background: #DC2626; color: white;
  font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 0.88rem;
  border: none; cursor: pointer; text-decoration: none;
  transition: box-shadow 0.2s;
}
.danger-btn:hover { box-shadow: 0 4px 16px rgba(220,38,38,0.3); }

/* STEPS */
.steps { display: flex; flex-direction: column; gap: 16px; margin-top: 8px; }
.step {
  display: flex; gap: 16px; align-items: flex-start;
}
.step-num {
  width: 32px; height: 32px; border-radius: 50%;
  background: var(--blue); color: white;
  font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 0.85rem;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; margin-top: 2px;
}
.step-text { flex: 1; }
.step-text strong { font-weight: 600; color: var(--navy); display: block; font-size: 0.9rem; margin-bottom: 3px; }
.step-text span { font-size: 0.85rem; color: var(--text-muted); }

/* TABLE */
table { width: 100%; border-collapse: collapse; margin-top: 8px; }
th {
  background: rgba(74,99,243,0.07);
  color: var(--navy); font-family: 'Poppins',sans-serif;
  font-size: 0.8rem; font-weight: 700; text-align: left;
  padding: 12px 16px;
}
th:first-child { border-radius: 10px 0 0 0; }
th:last-child { border-radius: 0 10px 0 0; }
td {
  padding: 12px 16px;
  font-size: 0.88rem; color: var(--text-muted);
  border-bottom: 1px solid var(--border);
}
tr:last-child td { border-bottom: none; }
tr:hover td { background: rgba(74,99,243,0.02); }

/* FOOTER */
.page-footer {
  text-align: center;
  padding: 24px;
  border-top: 1px solid var(--border);
  color: var(--text-muted); font-size: 0.8rem;
  background: var(--cream-light);
}
.page-footer a { color: var(--blue); text-decoration: none; }

/* RESPONSIVE */
@media (max-width: 600px) {
  nav { padding: 12px 16px; }
  .page-wrap { padding: 36px 16px 72px; }
  .card { padding: 20px; }
  .faq-q { padding: 16px 18px; font-size: 0.88rem; }
  .faq-item.open .faq-a { padding: 0 18px 16px; }
}