/* ── GLOBAL ── */
:root {
  --blue-header: #6a9bbf;
  --blue-dark:   #4a7fa5;
  --blue-btn:    #4a7fa5;
  --gray-bg:     #f4f5f7;
  --gray-border: #d0d4da;
  --gray-text:   #555e6b;
  --dark-text:   #1a2332;
  --white:       #ffffff;
  --red:         #c0392b;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html, body {
  font-family: 'Source Sans 3', Arial, sans-serif;
  background: var(--gray-bg);
  color: var(--dark-text);
  min-height: 100vh;
  font-size: 17px;
}
.top-nav {
  background: var(--white);
  border-bottom: 1px solid var(--gray-border);
  padding: 14px 32px;
  display: flex; align-items: center; justify-content: space-between;
  position: sticky; top: 0; z-index: 100;
}
.top-nav-logo { font-size: 20px; font-weight: 700; color: var(--blue-dark); }
.top-nav-links { display: flex; gap: 24px; }
.top-nav-links a { color: var(--gray-text); text-decoration: none; font-size: 15px; font-weight: 500; }
.top-nav-links a:hover, .top-nav-links a.nav-active { color: var(--blue-dark); }
@media(max-width:600px){ .top-nav-links { display: none; } }
.inner-page { max-width: 860px; margin: 48px auto; padding: 0 20px 60px; }
.inner-card { background: var(--white); border: 1px solid var(--gray-border); border-radius: 8px; padding: 40px 48px; box-shadow: 0 2px 8px rgba(0,0,0,0.07); }
@media(max-width:600px){ .inner-card { padding: 24px 20px; } }
.page-title { font-size: 26px; font-weight: 800; color: var(--dark-text); margin-bottom: 6px; }
.page-subtitle { font-size: 16px; color: var(--gray-text); margin-bottom: 32px; border-bottom: 1px solid var(--gray-border); padding-bottom: 20px; }
.section-title { font-size: 18px; font-weight: 700; color: var(--dark-text); margin: 28px 0 10px; }
p { font-size: 15.5px; color: var(--gray-text); line-height: 1.75; margin-bottom: 16px; }
ul, ol { padding-left: 22px; margin-bottom: 16px; }
ul li, ol li { font-size: 15.5px; color: var(--gray-text); line-height: 1.75; margin-bottom: 8px; }
a { color: var(--blue-btn); }
.faq-item { border-bottom: 1px solid var(--gray-border); }
.faq-question { width: 100%; text-align: left; padding: 18px 0; font-size: 16px; font-weight: 600; color: var(--dark-text); background: none; border: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.faq-question:hover { color: var(--blue-dark); }
.faq-icon { font-size: 20px; transition: transform .2s; flex-shrink: 0; }
.faq-answer { display: none; padding: 0 0 18px; font-size: 15.5px; color: var(--gray-text); line-height: 1.75; }
.faq-item.open .faq-answer { display: block; }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.steps { display: flex; flex-direction: column; gap: 24px; margin-top: 8px; }
.step { display: flex; gap: 18px; align-items: flex-start; }
.step-num { width: 40px; height: 40px; border-radius: 50%; background: var(--blue-btn); color: #fff; font-weight: 800; font-size: 17px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.step-body h3 { font-size: 17px; font-weight: 700; color: var(--dark-text); margin-bottom: 6px; }
.step-body p { margin-bottom: 0; }
.help-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 8px; }
@media(max-width:600px){ .help-grid { grid-template-columns: 1fr; } }
.help-card { border: 1px solid var(--gray-border); border-radius: 8px; padding: 20px; background: var(--gray-bg); }
.help-card:hover { border-color: var(--blue-btn); }
.help-card-icon { font-size: 28px; margin-bottom: 10px; }
.help-card h3 { font-size: 16px; font-weight: 700; color: var(--dark-text); margin-bottom: 6px; }
.help-card p { font-size: 14.5px; margin-bottom: 0; }
.site-footer { background: #1e2a38; color: #a0adb8; padding: 40px 20px 0; }
.site-footer-inner { max-width: 900px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr 1fr 2fr; gap: 32px; padding-bottom: 36px; border-bottom: 1px solid #2e3d4e; }
@media(max-width:700px){ .site-footer-inner { grid-template-columns: 1fr 1fr; } .footer-col-wide { grid-column: 1/-1; } }
.footer-col h4 { font-size: 11px; font-weight: 700; letter-spacing: 1px; color: #fff; margin-bottom: 14px; text-transform: uppercase; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-col ul li a { font-size: 13px; color: #a0adb8; text-decoration: none; }
.footer-col ul li a:hover { color: #fff; }
.issuing-text { font-size: 12px; color: #7a8b9a; line-height: 1.7; }
.site-footer-bottom { max-width: 900px; margin: 0 auto; padding: 18px 0; font-size: 12.5px; color: #7a8b9a; display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }
.site-footer-bottom a { color: #7a8b9a; text-decoration: none; }
.secured-bottom { display: flex; align-items: center; gap: 5px; margin-right: auto; }