.ms-page{--ms-ink:#153043;--ms-teal:#146b70;--ms-soft:#edf5f4;--ms-line:#d5e2e1;color:var(--ms-ink);max-width:1120px;margin:0 auto;padding:24px 20px 80px;line-height:1.85}
.ms-page *{box-sizing:border-box}
.ms-page a{color:#075c65;text-underline-offset:3px}
.ms-page .ms-breadcrumb{font-size:.84rem;color:#536970;margin:0 0 24px}
.ms-page .ms-breadcrumb a{color:inherit}
.ms-page .ms-hero{background:linear-gradient(130deg,#102d42,#176e72);border-radius:24px;color:#fff;padding:clamp(32px,5vw,64px);margin-bottom:42px}
.ms-page .ms-eyebrow{font-size:.8rem;letter-spacing:.12em;font-weight:700;color:#a9e3dd;margin:0 0 12px}
.ms-page .ms-hero h1{font-size:clamp(2rem,4vw,3.2rem);line-height:1.35;color:#fff;margin:0 0 18px}
.ms-page .ms-hero p{max-width:780px;color:#f2f8f8;margin:0 0 22px}
.ms-page .ms-hero .ms-actions{display:flex;flex-wrap:wrap;gap:12px}
.ms-page .ms-button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;min-width:44px;border-radius:9px;padding:10px 22px;background:#f4a43d;color:#122f42!important;text-decoration:none;font-weight:700}
.ms-page .ms-button--outline{background:transparent;border:1px solid #c8e4e1;color:#fff!important}
.ms-page a:focus-visible,.ms-page summary:focus-visible{outline:3px solid #f4a43d;outline-offset:3px}
.ms-page h2{font-size:clamp(1.5rem,2.8vw,2.15rem);line-height:1.45;margin:48px 0 18px;padding:0;border:0;color:var(--ms-ink)}
.ms-page h3{font-size:1.17rem;line-height:1.5;margin:0 0 10px;color:var(--ms-ink)}
.ms-page p{margin:0 0 16px}
.ms-page .ms-lead{font-size:1.1rem;max-width:860px}
.ms-page .ms-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px;margin:22px 0}
.ms-page .ms-card{border:1px solid var(--ms-line);border-radius:15px;padding:23px;background:#fff}
.ms-page .ms-card p:last-child{margin-bottom:0}
.ms-page .ms-card--soft{background:var(--ms-soft)}
.ms-page .ms-note{border-left:4px solid var(--ms-teal);background:var(--ms-soft);padding:17px 20px;margin:24px 0}
.ms-page .ms-steps{counter-reset:step;list-style:none;padding:0;margin:24px 0;display:grid;gap:12px}
.ms-page .ms-steps li{counter-increment:step;border:1px solid var(--ms-line);border-radius:12px;padding:16px 18px 16px 58px;position:relative}
.ms-page .ms-steps li:before{content:counter(step);position:absolute;left:16px;top:16px;background:var(--ms-teal);color:#fff;border-radius:50%;width:29px;height:29px;line-height:29px;text-align:center;font-weight:700}
.ms-page .ms-related{border-top:1px solid var(--ms-line);padding-top:26px;margin-top:50px}
.ms-page .ms-related ul{padding-left:1.2em}
.ms-page .ms-cta{background:#eaf4f3;border-radius:20px;padding:clamp(24px,4vw,40px);margin:44px 0 0}
.ms-page .ms-cta h2{margin:0 0 12px}
.ms-page .ms-cta p{max-width:780px}
.ms-page .ms-faq details{border-bottom:1px solid var(--ms-line);padding:18px 0}
.ms-page .ms-faq summary{cursor:pointer;font-weight:700;min-height:44px}
.ms-page .ms-faq details p{padding-top:12px;margin:0}
@media(max-width:640px){.ms-page{padding:16px 16px 56px}.ms-page .ms-hero{border-radius:16px;padding:30px 24px}.ms-page .ms-button{width:100%}}