@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@600;700;800&family=Inter:wght@400;500;600;700&display=swap');
:root{
  --bg-main:#FFFFFF;
  --bg-card:#F4F7FB;
  --accent:#0E63C4;
  --accent-dark:#0A4C99;
  --accent-2:#16B364;
  --text-main:#10203A;
  --text-muted:#55657E;
  --border:#E1E8F2;
  --font-head:'Poppins',system-ui,sans-serif;
  --font-body:'Inter',system-ui,-apple-system,sans-serif;
  --radius:4px;
  --shadow-cta:0 4px 12px rgba(14,99,196,.20);
  --shadow-card:0 2px 10px rgba(16,32,58,.06);
  --maxw:1180px;
  --gutter:clamp(1rem,4vw,2rem);
  --header-h:66px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  background:var(--bg-main);
  color:var(--text-main);
  font-family:var(--font-body);
  font-size:16px;
  line-height:1.6;
  overflow-x:hidden;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--font-head);color:var(--text-main);line-height:1.15;margin:0 0 .6em;font-weight:700}
h1{font-size:clamp(2rem,5vw,3.1rem);letter-spacing:-.02em}
h2{font-size:clamp(1.5rem,3.4vw,2.2rem);letter-spacing:-.01em}
h3{font-size:clamp(1.15rem,2vw,1.4rem)}
p{margin:0 0 1rem;overflow-wrap:anywhere}
:focus-visible{outline:3px solid var(--accent-2);outline-offset:2px}

.msi-container{width:100%;max-width:var(--maxw);margin-inline:auto;padding-inline:var(--gutter)}

/* ---------- SECTIONS ---------- */
section{padding-block:clamp(2.4rem,5vw,4rem)}
.msi-section--alt{background:var(--bg-card);border-block:1px solid var(--border)}
.msi-eyebrow{
  font-family:var(--font-head);font-weight:700;font-size:.78rem;letter-spacing:.14em;
  text-transform:uppercase;color:var(--accent);display:inline-block;margin-bottom:.6rem;
}
.msi-eyebrow::before{content:"";display:inline-block;width:26px;height:2px;background:var(--accent-2);vertical-align:middle;margin-right:.55rem;margin-bottom:.2rem}
.msi-lead{font-size:clamp(1.05rem,2vw,1.2rem);color:var(--text-muted);max-width:60ch}
.msi-hl{color:var(--accent-2);font-weight:700}

/* ---------- BUTTONS ---------- */
.msi-btn{
  display:inline-flex;align-items:center;gap:.5rem;justify-content:center;
  font-family:var(--font-head);font-weight:700;font-size:.98rem;
  padding:.72rem 1.4rem;border-radius:var(--radius);border:0;cursor:pointer;
  background:var(--accent);color:#fff;box-shadow:var(--shadow-cta);
  transition:background .18s,transform .18s;white-space:nowrap;
}
.msi-btn:hover{background:var(--accent-dark);text-decoration:none;transform:translateY(-1px)}
.msi-btn--ghost{background:transparent;color:var(--accent);border:1.5px solid var(--accent);box-shadow:none}
.msi-btn--ghost:hover{background:var(--accent);color:#fff}
.msi-btn--lg{padding:.95rem 2rem;font-size:1.08rem}

/* ---------- HEADER (LOGO_TONE dark → light surface) ---------- */
.msi-header{
  position:sticky;top:0;z-index:50;background:#FFFFFF;
  border-bottom:1px solid var(--border);
}
.msi-header__bar{
  max-width:var(--maxw);margin-inline:auto;padding-inline:var(--gutter);
  min-height:var(--header-h);display:flex;align-items:center;gap:1.25rem;
}
.msi-logo{display:inline-flex;align-items:center;flex-shrink:0}
.msi-logo__img{height:40px;width:auto;display:block}
.msi-nav{margin-left:auto;display:flex;align-items:center;gap:.35rem}
.msi-nav a:not(.msi-btn){
  font-family:var(--font-head);font-weight:600;font-size:.92rem;color:var(--text-main);
  padding:.5rem .7rem;border-radius:var(--radius);transition:color .15s,background .15s;
}
.msi-nav a:not(.msi-btn):hover{color:var(--accent);background:var(--bg-card);text-decoration:none}
.msi-nav a:not(.msi-btn).is-current{color:var(--accent);box-shadow:inset 0 -2px 0 var(--accent-2)}
.msi-header__cta{margin-left:.5rem}
.msi-burger{
  display:none;flex-direction:column;justify-content:center;gap:5px;
  width:44px;height:44px;margin-left:auto;background:transparent;border:0;cursor:pointer;padding:0;
}
.msi-burger span{display:block;width:24px;height:2px;background:var(--text-main);margin-inline:auto;transition:.2s}

@media(max-width:860px){
  .msi-burger{display:flex}
  .msi-nav{
    margin-left:0;position:absolute;top:var(--header-h);left:0;right:0;
    flex-direction:column;align-items:stretch;gap:0;
    background:#fff;border-bottom:1px solid var(--border);
    padding:.5rem var(--gutter) 1rem;display:none;box-shadow:var(--shadow-card);
  }
  .msi-header.is-open .msi-nav{display:flex}
  .msi-nav a:not(.msi-btn){padding:.85rem .5rem;border-bottom:1px solid var(--border)}
  .msi-header__cta{margin:.75rem 0 0}
  .msi-btn{width:100%}
  .msi-header.is-open .msi-burger span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .msi-header.is-open .msi-burger span:nth-child(2){opacity:0}
  .msi-header.is-open .msi-burger span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
}

/* ---------- HERO (image-first) ---------- */
.msi-hero{position:relative;background:var(--bg-main);overflow:hidden}
.msi-hero::after{
  content:"";position:absolute;top:0;right:-8%;width:46%;height:100%;
  background:linear-gradient(150deg,rgba(14,99,196,.12),rgba(22,179,100,.10));
  transform:skewX(-11deg);z-index:0;pointer-events:none;
}
@media(max-width:720px){.msi-hero::after{display:none}}
.msi-hero__inner{
  position:relative;z-index:1;display:flex;flex-direction:column;align-items:center;
  text-align:center;gap:1.4rem;padding-block:clamp(2.2rem,5vw,3.6rem);
}
.msi-hero__inner>*{min-width:0}
.msi-hero__img{
  display:block;width:100%;height:auto;max-height:70vh;aspect-ratio:3/2;object-fit:cover;
  order:-1;border-radius:var(--radius);box-shadow:var(--shadow-card);
}
.msi-hero__ph{
  order:-1;width:100%;aspect-ratio:3/2;max-height:70vh;border-radius:var(--radius);
  background:linear-gradient(135deg,var(--accent),var(--accent-2));
}
.msi-hero h1{margin:0}
.msi-hero__sub{font-size:clamp(1.05rem,2.2vw,1.28rem);color:var(--text-muted);max-width:62ch;margin:0}
.msi-hero__cta{display:flex;flex-wrap:wrap;gap:.8rem;justify-content:center}

/* ---------- OVERVIEW ---------- */
.msi-overview p{max-width:none}
.msi-overview__inner{display:block}

/* ---------- FEATURE CARDS (grid) ---------- */
.msi-features{display:grid;gap:1.1rem;grid-template-columns:repeat(auto-fit,minmax(min(240px,100%),1fr))}
.msi-card{
  background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);
  padding:1.4rem 1.3rem;position:relative;box-shadow:var(--shadow-card);min-width:0;
  border-top:3px solid var(--accent);
}
.msi-card h3{margin-top:.75rem}
.msi-card__icon{
  display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;
  background:var(--accent-2);color:#fff;border-radius:var(--radius);
}
.msi-card__icon .msi-icon{width:1.5em;height:1.5em}
.msi-card p{margin:0;color:var(--text-muted)}

/* ---------- ICONS ---------- */
.msi-icon{width:1.5em;height:1.5em;display:inline-block;vertical-align:middle;flex-shrink:0;stroke:currentColor;fill:none}

/* ---------- CARDS GRID ---------- */
.msi-cards{display:grid;gap:1.1rem;grid-template-columns:repeat(auto-fit,minmax(min(240px,100%),1fr))}

/* ---------- DATA TABLE ---------- */
.msi-table-wrap{overflow-x:auto;max-width:100%;margin-block:1.5rem;border:1px solid var(--border);border-radius:var(--radius)}
table.msi-table{width:100%;border-collapse:collapse;min-width:520px;font-size:.95rem}
.msi-table thead{background:var(--accent);color:#fff}
.msi-table th{font-family:var(--font-head);font-weight:600;text-align:left;padding:.85rem 1rem;white-space:nowrap}
.msi-table td{padding:.8rem 1rem;border-top:1px solid var(--border)}
.msi-table tbody tr:nth-child(odd){background:#fff}
.msi-table tbody tr:nth-child(even){background:var(--bg-card)}

/* ---------- TWO COLS + CONTENT PANEL (asymmetric) ---------- */
.msi-twocols{display:grid;gap:1.8rem;grid-template-columns:1.5fr 1fr;align-items:start}
.msi-twocols>*{min-width:0}
@media(max-width:820px){.msi-twocols{grid-template-columns:1fr}}
.msi-panel{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);padding:1.5rem;box-shadow:var(--shadow-card)}
.msi-panel__title{font-family:var(--font-head);font-weight:700;font-size:1.05rem;margin:0 0 1rem;padding-bottom:.6rem;border-bottom:2px solid var(--accent-2)}
.msi-facts{margin:0}
.msi-facts__row{display:flex;justify-content:space-between;gap:1rem;padding:.6rem 0;border-bottom:1px solid var(--border)}
.msi-facts__row:last-child{border-bottom:0}
.msi-facts__row dt{color:var(--text-muted);margin:0}
.msi-facts__row dd{margin:0;font-weight:600;text-align:right}
.msi-checklist{list-style:none;margin:0;padding:0}
.msi-checklist li{display:flex;align-items:flex-start;gap:.6rem;padding:.5rem 0}
.msi-checklist .msi-icon{color:var(--accent-2);margin-top:.15rem}
.msi-stat-tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(200px,100%),1fr));gap:.7rem}
.msi-stat-tiles>div{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:.9rem}
.msi-stat-tiles strong{display:block;font-family:var(--font-head);font-size:1.4rem;color:var(--accent)}
.msi-stat-tiles span{font-size:.8rem;color:var(--text-muted)}
.msi-score{text-align:center}
.msi-score__num{font-family:var(--font-head);font-weight:800;font-size:2.6rem;color:var(--accent);line-height:1}
.msi-score__stars{color:var(--accent-2);display:flex;gap:.15rem;justify-content:center;margin:.4rem 0}
.msi-score__label{color:var(--text-muted);font-size:.9rem}

/* ---------- NUMBERED LIST ---------- */
.msi-numbered{list-style:none;counter-reset:msi;margin:0;padding:0}
.msi-numbered li{counter-increment:msi;position:relative;padding:.4rem 0 1rem 3rem;min-height:2.4rem}
.msi-numbered li::before{
  content:counter(msi,decimal-leading-zero);position:absolute;left:0;top:.1rem;
  font-family:var(--font-head);font-weight:700;color:var(--accent);font-size:1.15rem;
  background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);
  width:2.1rem;height:2.1rem;display:flex;align-items:center;justify-content:center;
}

/* ---------- STATS BAR (counters) ---------- */
.msi-stats{display:grid;gap:1.5rem 1rem;grid-template-columns:repeat(auto-fit,minmax(min(150px,100%),1fr));text-align:center}
.msi-stats>div{min-width:0}
.msi-stats__val{font-family:var(--font-head);font-weight:800;color:var(--accent);font-size:clamp(2.2rem,5vw,3.5rem);line-height:1}
.msi-stats__label{text-transform:uppercase;letter-spacing:.1em;font-size:.75rem;color:var(--text-muted);margin-top:.4rem}

/* ---------- CATEGORIES BAR ---------- */
.msi-pills{display:flex;flex-wrap:wrap;gap:.55rem}
.msi-pills a,.msi-pills span{
  display:inline-block;padding:.42rem .9rem;background:var(--bg-card);border:1px solid var(--border);
  border-radius:999px;font-size:.85rem;font-weight:600;color:var(--text-main);
}
.msi-pills a:hover{border-color:var(--accent);color:var(--accent);text-decoration:none}

/* ---------- PAGE HEADER + BREADCRUMB ---------- */
.msi-page-header{background:var(--bg-card);border-bottom:1px solid var(--border);position:relative;overflow:hidden}
.msi-page-header .msi-container{padding-block:clamp(1.6rem,4vw,2.6rem)}
.msi-page-header h1{margin:0}
.msi-breadcrumb{font-size:.85rem;color:var(--text-muted);margin-bottom:.6rem;display:flex;flex-wrap:wrap;gap:.35rem;align-items:center}
.msi-breadcrumb a{color:var(--text-muted)}
.msi-breadcrumb a:hover{color:var(--accent)}
.msi-breadcrumb li{list-style:none}
.msi-breadcrumb ol{display:flex;flex-wrap:wrap;gap:.35rem;margin:0;padding:0}
.msi-breadcrumb li+li::before{content:"/";margin-right:.35rem;color:var(--border)}

/* ---------- LEGAL BODY ---------- */
.msi-legal{counter-reset:sec}
.msi-legal h2{counter-increment:sec;margin-top:2rem}
.msi-legal h2::before{content:counter(sec) ". ";color:var(--accent)}
.msi-legal h3{margin-top:1.4rem}
.msi-legal p,.msi-legal li{color:var(--text-main)}
.msi-legal ul,.msi-legal ol{padding-left:1.3rem}

/* ---------- TOC ---------- */
.msi-toc{background:var(--bg-card);border:1px solid var(--border);border-left:3px solid var(--accent-2);border-radius:var(--radius);padding:1.2rem 1.4rem}
.msi-toc__title{font-family:var(--font-head);font-weight:700;font-size:.95rem;margin-bottom:.6rem}
.msi-toc ul{list-style:none;margin:0;padding:0;columns:2;gap:1rem}
@media(max-width:600px){.msi-toc ul{columns:1}}
.msi-toc li{padding:.25rem 0}

/* ---------- FAQ (single) ---------- */
.msi-faq details{border-bottom:1px solid var(--border)}
.msi-faq summary{cursor:pointer;padding:1rem 0;font-weight:600;font-family:var(--font-head);list-style:none;display:flex;align-items:center}
.msi-faq summary::-webkit-details-marker{display:none}
.msi-faq summary::before{content:'+';color:var(--accent);font-weight:700;margin-right:.6rem;font-size:1.25rem;transition:transform .2s;width:1rem;display:inline-block}
.msi-faq details[open] summary::before{content:'−'}
.msi-faq details>:not(summary){padding:.25rem 0 1rem 1.6rem;color:var(--text-muted)}

/* ---------- CTA BLOCK ---------- */
.msi-cta-block{background:linear-gradient(120deg,var(--accent),var(--accent-dark));color:#fff;border-radius:var(--radius)}
.msi-cta-block .msi-container{text-align:center;display:flex;flex-direction:column;align-items:center;gap:1rem}
.msi-cta-block h2{color:#fff}
.msi-cta-block p{color:rgba(255,255,255,.9);max-width:56ch;margin:0}
.msi-cta-block .msi-btn{background:#fff;color:var(--accent);box-shadow:0 6px 18px rgba(0,0,0,.18)}
.msi-cta-block .msi-btn:hover{background:var(--bg-card)}

/* ---------- PAYMENTS TABLE ---------- */
.msi-payments{width:100%}
.msi-payments .msi-icon{color:var(--accent)}

/* ---------- RTP GRID ---------- */
.msi-rtp{display:grid;gap:clamp(.6rem,1.5vw,1rem);grid-template-columns:repeat(2,minmax(0,1fr))}
@media(min-width:640px){.msi-rtp{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(min-width:960px){.msi-rtp{grid-template-columns:repeat(4,minmax(0,1fr))}}
.msi-rtp-item{position:relative;overflow:hidden;min-width:0;background:#fff;border:1px solid var(--accent);border-radius:var(--radius);box-shadow:var(--shadow-card);transition:box-shadow .2s,transform .2s}
.msi-rtp-item:hover{box-shadow:0 8px 22px rgba(14,99,196,.22);transform:translateY(-2px)}
.msi-rtp-item__thumb{aspect-ratio:16/9;position:relative;background:linear-gradient(135deg,var(--accent),var(--accent-2))}
.msi-rtp-item__thumb img{width:100%;height:100%;object-fit:cover;display:block}
.msi-rtp-item__name{font-family:var(--font-head);font-weight:600;font-size:.85rem;padding:.55rem .6rem;display:block}
.msi-rtp-item__badge{position:absolute;top:.4rem;right:.4rem;background:var(--accent-2);color:#fff;font-size:.72rem;font-weight:700;padding:.18rem .45rem;border-radius:var(--radius)}
.msi-rtp-tooltip{position:absolute;left:0;right:0;bottom:0;opacity:0;transition:opacity .2s;background:rgba(16,32,58,.92);color:#fff;font-size:.78rem;padding:.5rem .6rem}
.msi-rtp-item:hover .msi-rtp-tooltip{opacity:1}

/* ---------- STICKY NAV (mobile) ---------- */
.msi-sticky-nav{display:none}
@media(max-width:768px){
  .msi-sticky-nav{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:45;background:#fff;border-top:1px solid var(--border);justify-content:space-around;padding:.4rem}
  .msi-sticky-nav a{display:flex;flex-direction:column;align-items:center;font-size:.68rem;color:var(--text-muted);gap:.15rem}
  .msi-sticky-nav a .msi-icon{color:var(--accent)}
}

/* ---------- CHAT WIDGET ---------- */
.msi-chat-btn{position:fixed;right:1rem;bottom:1rem;z-index:44;width:54px;height:54px;border-radius:50%;background:var(--accent);color:#fff;border:0;box-shadow:var(--shadow-cta);cursor:pointer;display:flex;align-items:center;justify-content:center}

/* ---------- FOOTER (light surface, dark logo) ---------- */
.msi-footer{background:var(--bg-card);border-top:3px solid var(--accent);color:var(--text-muted);font-size:.9rem}
.msi-footer .msi-container{padding-block:2.6rem}
.msi-footer__grid{display:grid;gap:2rem;grid-template-columns:1.4fr repeat(3,1fr)}
.msi-footer__grid>*{min-width:0}
@media(max-width:820px){.msi-footer__grid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.msi-footer__grid{grid-template-columns:1fr}}
.msi-footer__brand .msi-logo__img{height:38px;margin-bottom:.9rem}
.msi-footer h3{font-family:var(--font-head);font-size:.82rem;letter-spacing:.08em;text-transform:uppercase;color:var(--text-main);margin:0 0 .9rem}
.msi-footer ul{list-style:none;margin:0;padding:0}
.msi-footer li{margin-bottom:.5rem}
.msi-footer a{color:var(--text-muted)}
.msi-footer a:hover{color:var(--accent)}
.msi-footer__disclaimer{margin-top:2rem;padding-top:1.4rem;border-top:1px solid var(--border);font-size:.82rem;line-height:1.6}
.msi-footer__age{display:inline-flex;align-items:center;justify-content:center;min-width:34px;height:34px;padding:0 .4rem;border:2px solid var(--accent-2);color:var(--accent-2);border-radius:var(--radius);font-family:var(--font-head);font-weight:700;font-size:.85rem;margin-right:.6rem;vertical-align:middle}
.msi-footer__bottom{margin-top:1.4rem;padding-top:1.2rem;border-top:1px solid var(--border);display:flex;flex-wrap:wrap;gap:.6rem;justify-content:space-between;font-size:.8rem}

@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
/* sa-responsive-net */
table th{white-space:nowrap}
figure,blockquote,dl,dd,fieldset{margin:0}
/* sa-logo-chip */
.msi-footer .msi-logo__img,.msi-footer .msi-footer__logo-chip{background:#fff;padding:.4rem .55rem;border-radius:8px;filter:none;box-sizing:border-box}
/* sa-ph-media */
.msi-page-header:has(.msi-hero__img){position:relative;overflow:hidden;isolation:isolate;min-height:clamp(200px,30vh,300px);display:flex;flex-direction:column;justify-content:center}
.msi-page-header:has(.msi-hero__img) .msi-hero__img{position:absolute;inset:0;width:100%;height:100%;max-height:none;aspect-ratio:auto;object-fit:cover;margin:0;z-index:0}
.msi-page-header:has(.msi-hero__img)::after{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(180deg,rgba(10,12,18,.72),rgba(10,12,18,.5))}
.msi-page-header:has(.msi-hero__img)>:not(.msi-hero__img){position:relative;z-index:2}
.msi-page-header:has(.msi-hero__img),.msi-page-header:has(.msi-hero__img) h1,.msi-page-header:has(.msi-hero__img) a,.msi-page-header:has(.msi-hero__img) p,.msi-page-header:has(.msi-hero__img) li,.msi-page-header:has(.msi-hero__img) span{color:#fff}
/* sa-hero-media */
.msi-hero:has(>.msi-hero__img){position:relative;isolation:isolate}
.msi-hero:has(>.msi-hero__img)>.msi-hero__img{z-index:0}
.msi-hero:has(>.msi-hero__img)::after{z-index:1}
.msi-hero:has(>.msi-hero__img)>:not(.msi-hero__img){position:relative;z-index:2}
/* sa-rhythm */
:where(.msi-table-wrap){margin-block:1.5rem}
:where(main) :where(ul,ol,table,.msi-table-wrap)+p{margin-block-start:1rem}
/* sa-slot-link */
.msi-rtp-item,.msi-rtp-item:hover,.msi-rtp-item:focus{color:inherit;text-decoration:none;cursor:pointer}