@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@600;700;800&family=Source+Sans+3:ital,wght@0,400;0,600;0,700;1,400&display=swap');
:root{
  --bg-main:#FFFFFF;
  --bg-card:#F4F6FA;
  --accent:#003580;
  --accent-2:#D4870A;
  --text-main:#0F1923;
  --text-muted:#6B7280;
  --border:#DDE3EC;
  --font-head:'Playfair Display',Georgia,'Times New Roman',serif;
  --font-body:'Source Sans 3','Source Sans Pro',system-ui,Segoe UI,Arial,sans-serif;
  --maxw:1200px;
  --gut:clamp(1.1rem,4vw,2rem);
  --rule:1px solid var(--border);
}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;
  background:var(--bg-main);
  color:var(--text-main);
  font-family:var(--font-body);
  font-size:17px;
  line-height:1.65;
  overflow-x:hidden;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--font-head);font-weight:700;line-height:1.12;color:var(--text-main);margin:0 0 .5em}
h1{font-size:clamp(2.1rem,5.5vw,3.6rem);letter-spacing:-.01em}
h2{font-size:clamp(1.6rem,3.5vw,2.4rem)}
h3{font-size:clamp(1.2rem,2.2vw,1.5rem)}
p{margin:0 0 1.1rem;overflow-wrap:anywhere}
:focus-visible{outline:3px solid var(--accent-2);outline-offset:2px}

/* ---------- LAYOUT ---------- */
.mb-container{width:100%;max-width:var(--maxw);margin-inline:auto;padding-inline:var(--gut)}
.mb-section{padding-block:clamp(2.6rem,6vw,4.6rem);border-bottom:var(--rule)}
.mb-section:last-of-type{border-bottom:none}
.mb-eyebrow{font-family:var(--font-body);font-weight:700;text-transform:uppercase;letter-spacing:.18em;font-size:.72rem;color:var(--accent-2);margin:0 0 .9rem}
.mb-lede{font-size:1.15rem;color:var(--text-muted);max-width:60ch}

/* ---------- BUTTONS ---------- */
.mb-btn{
  display:inline-flex;align-items:center;gap:.5rem;
  font-family:var(--font-body);font-weight:700;font-size:1rem;
  padding:.85rem 1.6rem;border:2px solid var(--accent);border-radius:0;
  background:var(--accent);color:#fff;cursor:pointer;
  transition:background .18s,color .18s,border-color .18s;text-decoration:none;
}
.mb-btn:hover{background:var(--accent-2);border-color:var(--accent-2);color:var(--accent);text-decoration:none}
.mb-btn--ghost{background:transparent;color:var(--accent)}
.mb-btn--ghost:hover{background:var(--accent);border-color:var(--accent);color:#fff}
.mb-btn--amber{background:var(--accent-2);border-color:var(--accent-2);color:var(--text-main)}
.mb-btn--amber:hover{background:var(--accent);border-color:var(--accent);color:#fff}

/* ---------- HEADER ---------- */
.mb-header{position:sticky;top:0;z-index:50;background:var(--bg-main);border-bottom:2px solid var(--accent)}
.mb-header__inner{display:flex;align-items:center;gap:1.4rem;min-height:72px;padding-block:.5rem}
.mb-logo{display:inline-flex;align-items:center;flex-shrink:0;line-height:0}
.mb-logo__img{height:40px;width:auto;display:block}
.mb-logo__txt{font-family:var(--font-head);font-weight:800;font-size:1.5rem;color:var(--accent);letter-spacing:-.01em;line-height:1}
.mb-nav{margin-inline-start:auto;display:flex;align-items:center;gap:.2rem;flex-wrap:wrap}
.mb-nav a{
  font-weight:600;color:var(--text-main);padding:.5rem .7rem;font-size:.97rem;
  border-bottom:2px solid transparent;transition:border-color .18s,color .18s;
}
.mb-nav a:hover{color:var(--accent);border-bottom-color:var(--accent-2);text-decoration:none}
.mb-header__cta{margin-inline-start:.6rem;flex-shrink:0}
.mb-burger{
  margin-inline-start:auto;display:none;flex-direction:column;justify-content:center;gap:5px;
  width:46px;height:46px;background:none;border:1px solid var(--border);cursor:pointer;
}
.mb-burger span{display:block;height:2px;width:22px;margin-inline:auto;background:var(--accent);transition:transform .2s,opacity .2s}
.mb-burger[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.mb-burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.mb-burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ---------- HERO ---------- */
.mb-hero{border-bottom:var(--rule);background:var(--bg-main)}
.mb-hero__grid{display:grid;grid-template-columns:1.35fr .85fr;gap:clamp(1.6rem,4vw,3.4rem);align-items:center;padding-block:clamp(2.8rem,7vw,5.2rem)}
.mb-hero__grid>*{min-width:0}
.mb-hero h1{margin-bottom:.5rem}
.mb-hero h1 .mb-hero__rule{display:block;width:84px;height:3px;background:var(--accent);margin-top:1rem}
.mb-hero__sub{font-size:1.2rem;color:var(--text-muted);max-width:52ch;margin-bottom:1.7rem}
.mb-hero__actions{display:flex;flex-wrap:wrap;gap:.8rem;align-items:center}
.mb-hero__note{font-size:.85rem;color:var(--text-muted);margin:1.2rem 0 0}
.mb-hero__visual{aspect-ratio:4/5;background:
  linear-gradient(150deg,var(--accent) 0%,#06214d 60%,#0a2a63 100%);
  border:2px solid var(--accent);position:relative;overflow:hidden}
.mb-hero__visual::after{content:"";position:absolute;inset:0;background:
  repeating-linear-gradient(135deg,transparent 0 28px,rgba(212,135,10,.14) 28px 30px)}
.mb-hero__badge{position:absolute;left:0;bottom:0;background:var(--accent-2);color:var(--text-main);
  font-weight:700;padding:.7rem 1.1rem;font-size:1rem;z-index:2}

/* ---------- TOC ---------- */
.mb-toc{background:var(--bg-card);border:var(--rule);padding:1.3rem 1.5rem}
.mb-toc__title{font-family:var(--font-body);font-weight:700;text-transform:uppercase;letter-spacing:.14em;font-size:.75rem;color:var(--accent);margin:0 0 .8rem}
.mb-toc ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.5rem 1.4rem}
.mb-toc li{min-width:0}
.mb-toc a{font-weight:600;border-bottom:1px solid var(--border);padding-bottom:2px}

/* ---------- STATS BAR ---------- */
.mb-stats{background:var(--accent);color:#fff;border-bottom:none}
.mb-stats__grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(200px,100%),1fr));gap:1.4rem}
.mb-stats__grid>*{min-width:0}
.mb-stat{border-left:2px solid rgba(255,255,255,.18);padding-left:1.1rem}
.mb-stat__num{font-family:var(--font-head);font-weight:800;font-size:clamp(1.8rem,4vw,2.6rem);color:var(--accent-2);line-height:1}
.mb-stat__label{font-size:.9rem;color:#cdd8ea;margin-top:.35rem}

/* ---------- OVERVIEW ---------- */
.mb-overview__body{max-width:72ch}
.mb-overview__body h2+p{margin-top:0}

/* ---------- FEATURE / CARDS GRID ---------- */
.mb-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(200px,100%),1fr));gap:1.4rem;margin-top:1.6rem}
.mb-cards--2{grid-template-columns:repeat(auto-fit,minmax(min(200px,100%),1fr))}
.mb-cards>*{min-width:0}
.mb-card{background:var(--bg-main);border:var(--rule);border-top:2px solid var(--accent);padding:1.6rem;box-shadow:0 1px 3px rgba(15,25,35,.05)}
.mb-card__icon{width:42px;height:42px;background:var(--bg-card);border:1px solid var(--border);display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:800;color:var(--accent);font-size:1.2rem;margin-bottom:1rem}
.mb-card h3{margin-bottom:.4rem}
.mb-card p{color:var(--text-muted);margin-bottom:0;font-size:.97rem}

/* ---------- TWO COLS ---------- */
.mb-two{display:grid;grid-template-columns:1fr 1fr;gap:clamp(1.4rem,4vw,3rem);align-items:center}
.mb-two>*{min-width:0}
.mb-two__media{aspect-ratio:16/11;background:linear-gradient(150deg,var(--bg-card),#e4eaf3);border:var(--rule);position:relative}
.mb-two__media::after{content:"";position:absolute;left:0;top:0;width:6px;height:100%;background:var(--accent-2)}

/* ---------- TABLES ---------- */
.mb-table-wrap{overflow-x:auto;max-width:100%;border:var(--rule);margin-block:1.4rem;-webkit-overflow-scrolling:touch}
.mb-table{width:100%;min-width:560px;border-collapse:collapse;font-size:.96rem}
.mb-table thead th{background:var(--accent);color:#fff;text-align:left;font-weight:700;padding:.85rem 1rem;border-radius:0;white-space:nowrap}
.mb-table td{padding:.8rem 1rem;border-top:var(--rule);overflow-wrap:anywhere}
.mb-table tbody tr:nth-child(even){background:var(--bg-card)}
.mb-table tbody tr:hover{box-shadow:inset 3px 0 0 var(--accent)}

/* payments-table reuses table; icon cell */
.mb-pay__icon{display:inline-block;width:30px;height:20px;vertical-align:middle;margin-inline-end:.5rem;background:linear-gradient(135deg,var(--accent),var(--accent-2));border:1px solid var(--border)}

/* ---------- NUMBERED LIST ---------- */
.mb-steps{list-style:none;counter-reset:mb-c;margin:1.6rem 0 0;padding:0}
.mb-steps li{counter-increment:mb-c;position:relative;padding:.4rem 0 1.4rem 3.4rem;border-bottom:var(--rule)}
.mb-steps li:last-child{border-bottom:none}
.mb-steps li::before{content:counter(mb-c,decimal-leading-zero);position:absolute;left:0;top:.2rem;font-family:var(--font-head);font-weight:800;font-size:1.5rem;color:var(--accent-2);width:2.6rem}
.mb-steps li strong{display:block;font-weight:700;margin-bottom:.2rem}

/* ---------- CATEGORIES BAR ---------- */
.mb-cats{display:flex;flex-wrap:wrap;gap:.6rem}
.mb-cats a,.mb-cats span{display:inline-block;border:1px solid var(--accent);color:var(--accent);font-weight:600;font-size:.9rem;padding:.4rem .9rem;border-radius:0}
.mb-cats a:hover{background:var(--accent);color:#fff;text-decoration:none}

/* ---------- PAGE HEADER + BREADCRUMB ---------- */
.mb-pagehead{background:var(--bg-card);border-bottom:var(--rule);padding-block:clamp(2rem,5vw,3.4rem)}
.mb-pagehead h1{margin-bottom:0}
.mb-pagehead h1::after{content:"";display:block;width:72px;height:3px;background:var(--accent-2);margin-top:.9rem}
.mb-crumb{display:flex;flex-wrap:wrap;gap:.4rem;font-size:.85rem;color:var(--text-muted);margin-bottom:1rem;list-style:none;padding:0}
.mb-crumb li{display:flex;gap:.4rem;align-items:center}
.mb-crumb li+li::before{content:"/";color:var(--border)}
.mb-crumb a{color:var(--text-muted)}
.mb-crumb a:hover{color:var(--accent)}

/* ---------- LEGAL BODY ---------- */
.mb-legal{max-width:78ch;counter-reset:mb-leg}
.mb-legal h2{counter-increment:mb-leg;margin-top:2.2rem}
.mb-legal h2::before{content:counter(mb-leg) ". ";color:var(--accent-2)}
.mb-legal h3{margin-top:1.6rem}
.mb-legal p,.mb-legal li{color:var(--text-main)}
.mb-legal ul,.mb-legal ol{padding-inline-start:1.3rem}

/* ---------- FAQ ---------- */
.mb-faq details{border-bottom:1px solid var(--border)}
.mb-faq summary{cursor:pointer;padding:1rem 0;font-weight:600;list-style:none;font-size:1.05rem;display:flex;align-items:flex-start;gap:.6rem}
.mb-faq summary::-webkit-details-marker{display:none}
.mb-faq summary::before{content:'+';color:var(--accent-2);font-weight:800;font-size:1.3rem;line-height:1.2;transition:transform .2s;flex-shrink:0}
.mb-faq details[open] summary::before{content:'\2212'}
.mb-faq details>:not(summary){padding:.2rem 0 1.2rem 1.9rem;color:var(--text-muted);margin:0}

/* ---------- CTA BLOCK ---------- */
.mb-cta{background:var(--accent);color:#fff;border-bottom:none}
.mb-cta__inner{display:grid;grid-template-columns:1.4fr .9fr;gap:2rem;align-items:center}
.mb-cta__inner>*{min-width:0}
.mb-cta h2{color:#fff}
.mb-cta p{color:#cdd8ea;margin-bottom:0}
.mb-cta__actions{display:flex;justify-content:flex-end;flex-wrap:wrap;gap:.8rem}

/* ---------- RTP GRID ---------- */
.mb-rtp{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(200px,100%),1fr));gap:1rem;margin-top:1.6rem}
.mb-rtp>*{min-width:0}
.mb-rtp-item{position:relative;aspect-ratio:1/1;border:var(--rule);background:linear-gradient(150deg,var(--bg-card),#e6ecf5);display:flex;align-items:flex-end;padding:.7rem;font-weight:700;overflow:hidden}
.mb-rtp-tooltip{position:absolute;left:0;bottom:0;width:100%;background:var(--accent);color:#fff;font-size:.8rem;padding:.5rem .7rem;opacity:0;transition:opacity .2s}
.mb-rtp-item:hover .mb-rtp-tooltip,.mb-rtp-item:focus-within .mb-rtp-tooltip{opacity:1}

/* ---------- STICKY NAV (mobile) ---------- */
.mb-sticky{display:none}

/* ---------- CHAT WIDGET ---------- */
.mb-chat__btn{position:fixed;right:1.1rem;bottom:1.1rem;z-index:60;width:56px;height:56px;border-radius:0;background:var(--accent-2);color:var(--text-main);border:2px solid var(--accent);font-weight:800;cursor:pointer}
.mb-chat__panel{position:fixed;right:1.1rem;bottom:5rem;z-index:60;width:min(320px,90vw);background:#fff;border:2px solid var(--accent);padding:1.2rem;display:none}
.mb-chat__panel[open],.mb-chat__panel.is-open{display:block}

/* ---------- FOOTER ---------- */
.mb-footer{background:var(--text-main);color:#c7cfdb;border-top:3px solid var(--accent-2);font-size:.92rem}
.mb-footer__grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:2rem;padding-block:clamp(2.4rem,5vw,3.4rem)}
.mb-footer__grid>*{min-width:0}
.mb-footer__brand .mb-logo__txt{color:#fff}
.mb-footer__brand p{color:#9aa6b6;margin-top:1rem;max-width:42ch;font-size:.9rem}
.mb-footer h3{color:#fff;font-family:var(--font-body);font-weight:700;text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;margin:0 0 1rem}
.mb-footer ul{list-style:none;margin:0;padding:0;display:grid;gap:.55rem}
.mb-footer a{color:#c7cfdb}
.mb-footer a:hover{color:var(--accent-2)}
.mb-footer__disc{border-top:1px solid rgba(255,255,255,.12);padding-block:1.5rem;color:#8d99a8;font-size:.82rem;line-height:1.6}
.mb-footer__disc strong{color:#c7cfdb}
.mb-footer__age{display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;border:2px solid var(--accent-2);color:var(--accent-2);font-weight:800;font-size:.8rem;margin-inline-end:.7rem;flex-shrink:0}
.mb-footer__bottom{display:flex;flex-wrap:wrap;gap:.6rem 1.4rem;justify-content:space-between;border-top:1px solid rgba(255,255,255,.12);padding-block:1.2rem;color:#8d99a8;font-size:.82rem}
.mb-footer__bottom a{color:#8d99a8}

/* ---------- RESPONSIVE ---------- */
@media (max-width:980px){
  .mb-hero__grid{grid-template-columns:1fr;gap:2rem}
  .mb-hero__visual{aspect-ratio:16/9;max-height:300px}
  .mb-stats__grid{grid-template-columns:repeat(auto-fit,minmax(min(200px,100%),1fr))}
  .mb-cards,.mb-cards--2{grid-template-columns:repeat(auto-fit,minmax(min(200px,100%),1fr))}
  .mb-rtp{grid-template-columns:repeat(auto-fit,minmax(min(200px,100%),1fr))}
  .mb-two,.mb-cta__inner{grid-template-columns:1fr}
  .mb-cta__actions{justify-content:flex-start}
  .mb-footer__grid{grid-template-columns:1fr 1fr}
}
@media (max-width:820px){
  .mb-nav,.mb-header__cta{
    display:none;position:absolute;left:0;right:0;top:100%;
    flex-direction:column;align-items:stretch;background:var(--bg-main);
    border-bottom:2px solid var(--accent);padding:.6rem var(--gut);gap:0;margin:0;
  }
  .mb-header.is-open .mb-nav{display:flex}
  .mb-header.is-open .mb-header__cta{display:flex;top:calc(100% + 1px);border-top:1px solid var(--border);padding-top:1rem}
  .mb-nav a{padding:.85rem .2rem;border-bottom:1px solid var(--border)}
  .mb-header__cta .mb-btn{width:100%;justify-content:center}
  .mb-burger{display:flex}
}
@media (max-width:620px){
  body{font-size:16px}
  .mb-stats__grid,.mb-cards,.mb-cards--2,.mb-rtp,.mb-footer__grid{grid-template-columns:1fr}
  .mb-sticky{
    display:flex;position:fixed;left:0;right:0;bottom:0;z-index:55;
    background:var(--accent);border-top:2px solid var(--accent-2);
  }
  .mb-sticky a{flex:1;text-align:center;color:#fff;font-weight:700;font-size:.82rem;padding:.7rem .3rem;border-left:1px solid rgba(255,255,255,.15)}
  .mb-sticky a:first-child{border-left:none}
  .mb-sticky a:hover{background:var(--accent-2);color:var(--text-main);text-decoration:none}
  body{padding-bottom:54px}
}
@media (max-width:360px){
  .mb-header__inner{gap:.6rem}
  .mb-logo__img{height:34px}
  .mb-section{padding-block:2.2rem}
}
@media (prefers-reduced-motion:reduce){
  *{transition:none!important;scroll-behavior:auto!important}
}
/* sa-responsive-net */
table th{white-space:nowrap}