:root{--radius:22px;--max:1240px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Montserrat',system-ui,sans-serif;color:var(--ink);background:#fff;line-height:1.55;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4,.disp{font-family:'Poppins',sans-serif;letter-spacing:-.02em}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.eyebrow{font-family:'Poppins';font-weight:600;font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--blue2)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--blue);color:#fff;font-family:'Poppins';font-weight:600;font-size:15px;padding:14px 26px;border-radius:999px;border:0;cursor:pointer;transition:.2s}
.btn:hover{background:#26279b;transform:translateY(-1px)}
.btn.ghost{background:#fff;color:var(--ink);border:1.5px solid var(--ink)}
.btn.ghost:hover{background:var(--ink);color:#fff}
/* announcement + header */
.ann{background:var(--blue);color:#fff;text-align:center;font-size:13px;font-weight:500;padding:9px 16px;letter-spacing:.02em}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.86);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{font-family:'Poppins';font-weight:700;font-size:23px;color:var(--blue);letter-spacing:-.03em}
.logo span{color:var(--ink)}
.nav ul{display:flex;gap:30px;list-style:none}
.nav ul a{font-family:'Poppins';font-weight:500;font-size:15px;color:var(--ink)}
.nav ul a:hover,.nav ul a.on{color:var(--blue)}
.nav .right{display:flex;align-items:center;gap:18px}.nav .right a{font-size:19px}
@media(max-width:860px){.nav ul{display:none}}
/* breadcrumb */
.crumb{padding:16px 0;font-size:13px;color:var(--muted);font-family:'Poppins';font-weight:500}
.crumb a:hover{color:var(--blue)}
/* ---------- HERO ---------- */
.lhero{background:linear-gradient(180deg,var(--blue-soft),#fff);text-align:center}
.lhero .wrap{padding:54px 24px 50px}
.lhero h1{font-size:clamp(32px,4.6vw,52px);font-weight:700;line-height:1.05;margin:12px 0 16px}
.lhero p{color:#3a3a48;font-size:18px;max-width:680px;margin:0 auto}
.lhero .cta{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-top:26px}
/* ---------- SECTION shell ---------- */
.section{padding:64px 0}
.section .head{text-align:center;max-width:680px;margin:0 auto 38px}
.section .head h2{font-size:clamp(26px,3.4vw,38px);font-weight:700;line-height:1.12;margin-top:10px}
.section .head p{color:var(--muted);font-size:16px;margin-top:12px}
/* ---------- USE-CASE GUIDE CARDS ---------- */
.gcards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.gcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 26px;display:flex;flex-direction:column;transition:.22s}
.gcard:hover{transform:translateY(-5px);box-shadow:0 22px 50px -28px rgba(48,49,187,.45);border-color:transparent}
.gcard .lbl{align-self:flex-start;font-family:'Poppins';font-weight:700;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);background:var(--blue-soft);border-radius:999px;padding:6px 13px;margin-bottom:16px}
.gcard h3{font-size:21px;font-weight:700;line-height:1.2}
.gcard p{color:var(--muted);font-size:14.5px;margin-top:10px;flex:1}
.gcard .go{margin-top:18px;font-family:'Poppins';font-weight:600;font-size:14.5px;color:var(--blue);display:inline-flex;align-items:center;gap:6px}
.gcard:hover .go{gap:10px}
@media(max-width:860px){.gcards{grid-template-columns:1fr;max-width:440px;margin-inline:auto}}
/* ---------- GUIDE INDEX ---------- */
.guideidx{background:#fafafb}
.idxgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;max-width:920px;margin:0 auto}
.idx{display:flex;gap:18px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px 24px;transition:.2s}
.idx:hover{transform:translateY(-3px);box-shadow:0 18px 40px -28px rgba(0,0,0,.28)}
.idx .ico{flex:0 0 46px;width:46px;height:46px;border-radius:13px;background:var(--blue-soft);color:var(--blue);display:grid;place-items:center;font-size:22px}
.idx h4{font-size:18px;font-weight:600}
.idx p{color:var(--muted);font-size:14px;margin-top:5px}
.idx .go{display:inline-block;margin-top:10px;font-family:'Poppins';font-weight:600;font-size:13.5px;color:var(--blue)}
@media(max-width:760px){.idxgrid{grid-template-columns:1fr}}
/* ---------- HOW TO USE (steps) ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:s}
.step{position:relative;background:var(--card);border-radius:var(--radius);padding:30px 24px 26px}
.step::before{counter-increment:s;content:counter(s);position:absolute;top:-16px;left:24px;width:38px;height:38px;border-radius:50%;background:var(--blue);color:#fff;font-family:'Poppins';font-weight:700;font-size:16px;display:grid;place-items:center;box-shadow:0 8px 20px -8px rgba(48,49,187,.6)}
.step h4{font-size:16px;font-weight:600;margin:10px 0 8px}
.step p{color:var(--muted);font-size:13.5px}
@media(max-width:860px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.steps{grid-template-columns:1fr}}
/* ---------- COMPLIANCE FAQ ---------- */
.faq .list{max-width:820px;margin:0 auto}
.qa{border-bottom:1px solid var(--line)}
.qa summary{list-style:none;display:flex;justify-content:space-between;align-items:center;gap:20px;cursor:pointer;padding:22px 4px;font-family:'Poppins';font-weight:600;font-size:17px;color:var(--ink)}
.qa summary::-webkit-details-marker{display:none}
.qa .pm{font-size:23px;color:var(--blue);transition:.2s;flex:0 0 auto}
.qa[open] .pm{transform:rotate(45deg)}
.qa .ans{color:var(--muted);font-size:15px;padding:0 4px 22px;max-width:720px}
/* ---------- RELATED ---------- */
.related{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-top:30px}
.rel{border:1px solid var(--line);border-radius:999px;padding:11px 20px;font-family:'Poppins';font-weight:600;font-size:14px;color:#3a3a48;transition:.2s}
.rel:hover{border-color:var(--blue);color:var(--blue)}
/* ---------- FOOTER (compact, matches subpages) ---------- */
footer{background:var(--cream);padding:54px 0 28px;margin-top:10px}
.fcols{display:grid;grid-template-columns:1.4fr 1fr 1fr .8fr;gap:36px}
.fcol h4{font-family:'Poppins';font-weight:600;font-size:15px;margin-bottom:10px}
.fcol ul{list-style:none;display:grid;gap:9px}.fcol ul a{font-size:14px;color:#4a4a55}.fcol ul a:hover{color:var(--blue)}
.fsign p{font-size:14px;color:#4a4a55;max-width:320px;margin-bottom:10px}
.finput{display:flex;background:#fff;border-radius:999px;padding:5px 6px 5px 18px;max-width:340px}
.finput input{flex:1;border:0;outline:0;background:none;font-family:'Montserrat';font-size:14px}
.finput button{border:0;background:none;font-family:'Poppins';font-weight:600;cursor:pointer;padding:8px 14px}
.fbottom{border-top:1px solid #d9d3ca;margin-top:40px;padding-top:22px;text-align:center;color:#6a6a72;font-size:13px}
@media(max-width:760px){.fcols{grid-template-columns:1fr 1fr}.fsign{grid-column:1/-1}}