.start-hero-note {
  margin-top: 18px;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  border-radius: 999px;
  background: var(--sage);
  color: var(--sage-deep);
  font-weight: 800;
  font-size: .9rem;
}
.start-path {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
  margin-top: 36px;
  counter-reset: startsteps;
}
.start-step {
  position: relative;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 28px;
  box-shadow: 0 12px 28px rgba(41,67,74,.05);
  counter-increment: startsteps;
}
.start-step::before {
  content: counter(startsteps);
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 18px;
  border-radius: 50%;
  background: var(--sun);
  color: var(--ink);
  font-weight: 900;
}
.start-step h3 { margin-bottom: 10px; }
.start-step p { margin-bottom: 0; color: var(--ink-soft); }
.portal-band {
  display: grid;
  grid-template-columns: 1.2fr .8fr;
  gap: 34px;
  align-items: center;
  padding: 34px;
  border-radius: var(--radius-lg);
  background: var(--sky);
  border: 1px solid rgba(71,124,140,.14);
}
.portal-actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 10px;
}
.policy-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 30px;
}
.policy-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 28px;
}
.policy-card h3 { margin-bottom: 10px; }
.policy-card p { color: var(--ink-soft); margin-bottom: 0; }
.deposit-highlight {
  margin-top: 28px;
  padding: 22px 24px;
  border-radius: 18px;
  background: var(--peach);
  border: 1px solid rgba(200,111,89,.12);
}
.deposit-highlight p:last-child { margin-bottom: 0; }
.faq-list {
  display: grid;
  gap: 14px;
  margin-top: 30px;
}
.faq-list details {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 0 20px;
}
.faq-list summary {
  cursor: pointer;
  list-style: none;
  padding: 20px 36px 20px 0;
  font-weight: 850;
  position: relative;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: "+";
  position: absolute;
  right: 0;
  top: 16px;
  width: 30px;
  height: 30px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--sage);
  color: var(--sage-deep);
  font-size: 1.2rem;
  font-weight: 900;
}
.faq-list details[open] summary::after { content: "–"; }
.faq-answer {
  padding: 0 36px 20px 0;
  color: var(--ink-soft);
}
.faq-answer p:last-child { margin-bottom: 0; }

@media (max-width: 900px) {
  .start-path { grid-template-columns: 1fr 1fr; }
  .policy-grid { grid-template-columns: 1fr; }
  .portal-band { grid-template-columns: 1fr; }
  .portal-actions { justify-content: flex-start; }
}

@media (max-width: 560px) {
  .start-path { grid-template-columns: 1fr; }
  .portal-band { padding: 24px; }
  .portal-actions { flex-direction: column; }
  .portal-actions .btn { width: 100%; }
}