* { margin: 0; padding: 0; box-sizing: border-box; }
body {
  font-family: "Segoe UI", Arial, sans-serif;
  font-size: 16px; line-height: 1.55; color: #22303c; background: #eef3f5;
}
.page { max-width: 860px; margin: 0 auto; padding: 28px 18px 60px 18px; }
.crumb { font-size: 13.5px; color: #5d7183; margin-bottom: 12px; }
.crumb a { color: #0d6e6e; text-decoration: none; }
.topbar {
  background: #0b1f33; color: #ffffff;
  padding: 26px 28px; border-radius: 10px; margin-bottom: 14px;
  box-shadow: 0 2px 8px rgba(11,31,51,0.18);
}
.topbar .kicker { color: #7ec8c8; font-size: 12px; letter-spacing: 3px; font-weight: 600; }
.topbar h1 { font-size: 32px; font-weight: 700; margin-top: 6px; }
.topbar .sub { color: #b8c9d6; font-size: 17px; margin-top: 6px; }
h3 { font-size: 19px; color: #0d6e6e; margin: 24px 0 8px 0; display: inline-block;
  border-bottom: 3px solid #7ec8c8; padding-bottom: 2px; }
.sect { display: block; }
p { margin: 0 0 10px 0; }
ul { margin: 4px 0 12px 0; padding-left: 22px; }
li { margin-bottom: 6px; }
strong { color: #0b1f33; }
.facts {
  display: grid; grid-template-columns: 1fr 1fr; gap: 8px 18px;
  background: #ffffff; border: 1px solid #d7e3e7; border-radius: 10px;
  padding: 16px 20px; margin: 10px 0 6px 0;
  box-shadow: 0 1px 3px rgba(11,31,51,0.06);
}
.facts .lbl { color: #0d6e6e; font-weight: 700; }
.cols { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin: 10px 0 12px 0; }
.box { border: 1px solid #d7e3e7; border-radius: 10px; padding: 16px 20px; background: #ffffff;
  box-shadow: 0 1px 3px rgba(11,31,51,0.06); }
.box.good { background: #f2f8f4; border-color: #cfe4d6; }
.box.teal { background: #f2f7f8; border-color: #cfe0e4; }
.box.warn { background: #fffbeb; border-color: #fde68a; }
.box h4 { display: inline-block; font-size: 12.5px; letter-spacing: 1.5px; margin-bottom: 10px;
  color: #ffffff; border-radius: 4px; padding: 3px 12px; }
.box.good h4 { background: #1e6b3a; }
.box.teal h4 { background: #0d6e6e; }
.box.warn h4 { background: #b45309; }
.box ul { margin-bottom: 0; }
.steps { display: flex; gap: 10px; flex-wrap: wrap; margin: 10px 0 4px 0; }
.stepitem { flex: 1; min-width: 130px; background: #ffffff; border: 1px solid #d7e3e7;
  border-radius: 10px; padding: 12px 13px; text-align: center; font-size: 13.5px;
  box-shadow: 0 1px 3px rgba(11,31,51,0.06); }
.stepitem .n { display: inline-flex; align-items: center; justify-content: center;
  width: 26px; height: 26px; border-radius: 50%; background: #0b1f33; color: #7ec8c8;
  font-weight: 700; font-size: 13px; margin-bottom: 6px; }
.stepitem b { display: block; color: #0b1f33; font-size: 13.5px; }
.steps-note { font-size: 13.5px; color: #5d7183; margin-top: 6px; }
.apply {
  background: #0b1f33; color: #ffffff; border-radius: 10px;
  padding: 22px 26px; margin: 22px 0 0 0; text-align: center;
  box-shadow: 0 2px 8px rgba(11,31,51,0.18);
}
.apply h4 { color: #7ec8c8; font-size: 14px; letter-spacing: 2px; margin-bottom: 8px; }
.apply p { color: #dce6ee; margin: 0 0 14px 0; }
.btn {
  display: inline-block; background: #0d9488; color: #ffffff;
  font-size: 18px; font-weight: 700; text-decoration: none;
  padding: 13px 44px; border-radius: 8px;
  transition: transform 0.12s ease, background 0.12s ease;
}
.btn:hover { background: #0f766e; transform: translateY(-1px); }
.floatcta {
  position: fixed; bottom: 18px; right: 18px; z-index: 50;
  background: #0d9488; color: #ffffff; text-decoration: none;
  font-size: 15.5px; font-weight: 700; padding: 12px 26px; border-radius: 30px;
  box-shadow: 0 4px 14px rgba(11,31,51,0.32);
  opacity: 0; pointer-events: none; transition: opacity 0.2s ease;
}
.floatcta.show { opacity: 1; pointer-events: auto; }
.floatcta:hover { background: #0f766e; }
.filter { background: #fffbeb; border: 1px solid #fde68a; border-radius: 10px;
  padding: 14px 18px; margin: 12px 0; font-size: 14.5px; color: #5b4d1e; }
@media (max-width: 640px) {
  .cols, .facts { grid-template-columns: 1fr; }
  .topbar h1 { font-size: 25px; }
  .steps { gap: 8px; }
  .stepitem { min-width: 44%; }
}