:root {
    --bg: #E8EBED;
    --surface: #F4F6F7;
    --border: #C6CCD1;
    --accent: #8F6A1E;
    --accent-gradient: #8F6A1E;
    --text: #101418;
    --muted: #5A646B;
    --soft: #30383E;
}

* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
    font-family: "Instrument Sans", system-ui, sans-serif;
}

html { scroll-behavior: smooth; }

body {
    min-height: 100vh;
    color: var(--text);
    background: var(--bg);
}

.page {
    width: min(100%, 1080px);
    margin: 0 auto;
    padding: 26px 16px 48px;
}

.topbar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-bottom: 24px;
}

.brand {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    color: var(--soft);
    text-decoration: none;
    font-size: .75rem;
    font-weight: 600;
    letter-spacing: .05em;
    text-transform: uppercase;
}

.brand img {
    width: 40px;
    height: 40px;
    border: 1px solid var(--border);
    border-radius: 3px;
}

.nav-actions {
    display: flex;
    flex-wrap: wrap;
    justify-content: flex-end;
    gap: 8px;
}

.nav-link {
    min-height: 40px;
    padding: 0 13px;
    display: inline-flex;
    align-items: center;
    border: 1px solid var(--border);
    border-radius: 2px;
    color: var(--soft);
    background: transparent;
    text-decoration: none;
    font-size: .75rem;
    font-weight: 600;
}

.guide {
    padding: clamp(26px, 5vw, 50px);
    border: 1px solid var(--border);
    border-radius: 3px;
    background: var(--surface);
    box-shadow: 0 18px 45px rgba(16,20,24,.08);
}

.broker-tag {
    width: fit-content;
    margin: 0 auto 14px;
    padding: 7px 12px;
    border: 1px solid rgba(143,106,30,.35);
    border-radius: 2px;
    color: #8F6A1E;
    background: rgba(143,106,30,.08);
    font-size: .68rem;
    font-weight: 600;
    letter-spacing: .08em;
    text-transform: uppercase;
}

h1 {
    font-size: clamp(2.15rem, 7vw, 3.8rem);
    line-height: 1.06;
    letter-spacing: -.05em;
    text-align: center;
    margin-bottom: 12px;
}

h1 span { color: var(--accent); }

.lead {
    max-width: 700px;
    margin: 0 auto 32px;
    color: var(--muted);
    font-size: .92rem;
    line-height: 1.65;
    font-weight: 600;
    text-align: center;
}

.steps {
    display: grid;
    gap: 16px;
}

.step {
    display: grid;
    grid-template-columns: 48px minmax(0,1fr);
    gap: 14px;
    align-content: start;
    padding: 20px;
    border: 1px solid var(--border);
    border-radius: 2px;
    background: #fff;
}

.number {
    width: 46px;
    height: 46px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 2px;
    color: #fff;
    background: var(--accent-gradient);
    font-size: .8rem;
    font-weight: 600;
}

.step h2 {
    font-size: 1rem;
    line-height: 1.35;
    margin: 2px 0 6px;
}

.step-copy {
    color: var(--muted);
    font-size: .82rem;
    line-height: 1.62;
    font-weight: 600;
}

.panel {
    grid-column: 1 / -1;
    margin-top: 3px;
    padding: 14px;
    border: 1px solid var(--border);
    border-radius: 2px;
    color: var(--soft);
    background: rgba(143,106,30,.06);
    font-size: .78rem;
    line-height: 1.62;
    font-weight: 600;
}

.panel strong { color: var(--accent); }
.panel p + p { margin-top: 6px; }

.panel-title {
    display: block;
    color: #8F6A1E;
    font-size: .72rem;
    font-weight: 600;
    letter-spacing: .06em;
    text-transform: uppercase;
    margin-bottom: 8px;
}

.button-row {
    grid-column: 1 / -1;
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}

.button {
    min-height: 48px;
    padding: 0 17px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 2px;
    color: #fff;
    background: var(--accent-gradient);
    text-decoration: none;
    font-size: .8rem;
    font-weight: 600;
}

.button.secondary {
    color: var(--text);
    background: transparent;
    border: 1px solid var(--border);
}

.detail-row {
    display: flex;
    justify-content: space-between;
    gap: 16px;
    padding: 10px 12px;
    border: 1px solid var(--border);
    border-radius: 2px;
    background: #fff;
}

.detail-row + .detail-row { margin-top: 8px; }
.detail-row strong { color: var(--text); }

.limit {
    grid-column: 1 / -1;
    padding: 12px 14px;
    border: 1px solid rgba(248,113,113,.26);
    border-radius: 2px;
    color: #fca5a5;
    background: rgba(127,29,29,.18);
    font-size: .78rem;
    font-weight: 800;
}

.ib-section {
    margin-top: 18px;
    padding: 22px;
    border: 1px solid rgba(143,106,30,.48);
    border-radius: 2px;
    background: rgba(143,106,30,.08);
}

.ib-section h2 {
    font-size: 1.25rem;
    margin-bottom: 7px;
}

.ib-intro {
    color: var(--muted);
    font-size: .84rem;
    line-height: 1.58;
    font-weight: 600;
    margin-bottom: 14px;
}

.email {
    display: grid;
    gap: 12px;
    padding: 16px;
    border: 1px solid var(--border);
    border-radius: 2px;
    background: #fff;
    overflow-wrap: anywhere;
}

.email-label {
    color: #8F6A1E;
    font-size: .68rem;
    font-weight: 600;
    letter-spacing: .08em;
    text-transform: uppercase;
    margin-bottom: 4px;
}

.email-value, .email-body {
    color: var(--text);
    font-size: .84rem;
    line-height: 1.6;
    font-weight: 650;
}

.email-body { white-space: pre-line; }

.risk {
    margin-top: 18px;
    color: var(--muted);
    font-size: .76rem;
    line-height: 1.55;
    text-align: center;
}

@media (min-width: 760px) {
    .steps { grid-template-columns: repeat(2,minmax(0,1fr)); }
}

@media (max-width: 520px) {
    .topbar { align-items: flex-start; }
    .brand { font-size: .65rem; }
    .brand img { width: 36px; height: 36px; }
    .nav-actions { max-width: 150px; }
    .nav-link { min-height: 36px; font-size: .68rem; }
    .step { grid-template-columns: 42px minmax(0,1fr); padding: 14px; }
    .number { width: 40px; height: 40px; border-radius: 13px; }
    .button { width: 100%; }
}