*{box-sizing:border-box;margin:0;padding:0}
html,body{background:#F7F3E8;color:#3F2A14;font-family:"Garamond","Georgia","STSong",serif;line-height:1.7}
a{color:#3F6212;text-decoration:none}
a:hover{text-decoration:underline}
.on-bar{background:#F7F3E8;border-bottom:1px solid #D6CDB8;padding:14px 28px}
.on-brand{font-size:18px;letter-spacing:.04em;color:#3F6212;margin-bottom:8px}
.on-nav{display:flex;flex-wrap:wrap;gap:14px 22px;justify-content:flex-start}
.on-nav a{color:#3F2A14;font-size:15px}
.on-hero{background:#E8F0D8;padding:36px 28px 28px;border-bottom:1px solid #C9D6A8}
.on-hero h1{font-size:30px;line-height:1.35;max-width:920px;margin-bottom:14px;font-weight:600}
.on-hero p{max-width:800px;margin-bottom:10px;font-size:17px}
.on-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:22px}
.on-stat{background:#F7F3E8;border:1px solid #C9D6A8;padding:14px 16px}
.on-stat b{display:block;color:#3F6212;font-size:15px;margin-bottom:6px}
.on-stat span{font-size:14px}
.on-band-cream{background:#F7F3E8;padding:42px 28px}
.on-band-mint{background:#E8F0D8;padding:42px 28px}
.on-wrap{max-width:1080px;margin:0 auto}
.on-band-cream h2,.on-band-mint h2{font-size:24px;margin-bottom:16px;color:#3F6212}
.on-band-cream p,.on-band-mint p{margin-bottom:12px;font-size:16px}
.on-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:18px}
.on-card{background:#F7F3E8;border:1px solid #C4B89A;padding:16px}
.on-card svg{display:block;margin-bottom:8px}
.on-card h3{font-size:16px;margin-bottom:8px}
.on-flow{margin:22px 0;width:100%;height:auto;display:block}
.on-steps{display:flex;gap:10px;margin-top:18px;flex-wrap:wrap}
.on-step{flex:1;min-width:160px;background:#F7F3E8;border-top:4px solid #3F6212;padding:12px 14px}
.on-step i{display:block;font-style:normal;color:#3F6212;font-size:13px;margin-bottom:6px}
.on-table{width:100%;border-collapse:collapse;margin-top:16px;background:#F7F3E8}
.on-table th,.on-table td{border:1px solid #C4B89A;padding:10px 12px;text-align:left;vertical-align:top;font-size:15px}
.on-table th{background:#3F6212;color:#F7F3E8;font-weight:600}
.on-faq{margin-top:8px}
.on-faq details{background:#F7F3E8;border:1px solid #C4B89A;padding:12px 16px;margin-bottom:10px}
.on-faq summary{cursor:pointer;color:#3F6212;font-weight:600}
.on-faq p{margin-top:10px}
.on-foot{background:#3F6212;color:#F7F3E8;padding:28px;font-size:14px}
.on-foot p{margin-bottom:10px;max-width:960px}
@media (max-width:900px){
.on-stats{grid-template-columns:1fr 1fr}
.on-cards{grid-template-columns:1fr}
.on-steps{flex-direction:column}
}