:root{
  --navy:#14176C;
  --orange:#F7A400;
  --teal:#11654b;
  --bg:#0b1220;
  --soft:#f6f7fb;
  --text:#0f172a;
  --muted:#64748b;
  --card:#ffffff;
  --border: rgba(15,23,42,0.10);
  --shadow: 0 18px 60px rgba(2,6,23,0.12);
  --radius:18px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--text);background:#fff}
a{color:inherit;text-decoration:none}
img{max-width:100%;height:auto}

.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
@media (max-width:520px){
  .wrap{padding:0 16px}
}

/* TOP CONTACT STRIP */
.site-top{
  background: linear-gradient(135deg, var(--navy), #0E104B);
  color:#fff;
  border-bottom: 1px solid rgba(255,255,255,0.10);
}
.site-top-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:14px;
  padding:10px 0;
  font-size:13px;
}
.site-top a{color:#fff;opacity:.95}
.site-top a:hover{opacity:1;text-decoration:underline}
.site-pill{
  display:inline-flex;
  align-items:center;
  padding:4px 10px;
  border-radius:999px;
  background: rgba(247,164,0,0.16);
  color:#fff;
  font-weight:800;
  letter-spacing:.2px;
  margin-right:10px;
}
.site-top-left{display:flex;align-items:center;gap:12px;flex-wrap:wrap}
.site-top-item{display:inline-flex;align-items:center;gap:8px;opacity:.95}
.site-top-right{display:flex;align-items:center;gap:12px}
.site-top-mail{opacity:.95}
.dot{width:7px;height:7px;border-radius:999px;background:rgba(247,164,0,0.95);display:inline-block}
.sep{opacity:.55}
.hide-sm{display:inline-flex}
@media (max-width:860px){
  .hide-sm{display:none}
}

/* MAIN NAV BAR */
.topbar{
  position:sticky;
  top:0;
  background:rgba(255,255,255,0.92);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--border);
  z-index:10
}
.topbar-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:12px 0}
.brand img{height:44px;width:auto;display:block}
.nav{display:flex;gap:14px;align-items:center;flex-wrap:wrap}
.nav a{color:var(--muted);font-weight:700}
.nav a:hover{color:var(--navy)}

.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:12px 16px;border-radius:14px;
  background:linear-gradient(135deg,var(--navy),#0E104B);
  color:#fff;font-weight:900;border:1px solid rgba(255,255,255,0.12);
  box-shadow:var(--shadow);
  transition:transform .15s ease, filter .15s ease;
}
.btn:hover{transform:translateY(-1px);filter:brightness(1.02)}
.btn-ghost{
  background:#fff;color:var(--navy);
  border:1px solid var(--border);
  box-shadow:none;
  font-weight:900;
}
.btn-ghost:hover{border-color:rgba(20,23,108,0.25)}
.btn-block{width:100%}

/* HERO */
.hero{
  background:
    radial-gradient(900px 420px at 20% 0%, rgba(247,164,0,0.22), transparent 55%),
    radial-gradient(900px 420px at 80% 10%, rgba(25,29,136,0.12), transparent 55%),
    linear-gradient(180deg, #ffffff, #ffffff);
  border-bottom:1px solid var(--border)
}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:22px;padding:46px 0}
.kicker{display:inline-block;padding:6px 10px;border-radius:999px;background:rgba(247,164,0,0.14);color:#8a4b00;font-weight:900}
.hero h1{font-size:46px;line-height:1.05;margin:12px 0}
.lead{font-size:18px;color:var(--muted);max-width:60ch}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:16px}

/* tags row */
.hero-badges{display:flex;gap:10px;flex-wrap:wrap;margin:16px 0 0 0}
.tag{
  display:inline-flex;align-items:center;gap:8px;
  padding:8px 12px;border-radius:999px;
  background:#fff;border:1px solid var(--border);
  box-shadow:0 10px 26px rgba(2,6,23,0.06);
  color:#1f2a44;font-weight:800;font-size:13px;
}
.tag-ic{font-size:14px}

/* trust cards */
.trust{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px}
.trust-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:16px;box-shadow:0 12px 30px rgba(2,6,23,0.06)}
.trust-title{font-weight:950;margin-bottom:8px;color:var(--navy)}
.tick{margin:0;padding-left:18px;color:var(--muted)}
.tick li{margin:6px 0}
.micro{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}
.micro-item{font-size:12px;font-weight:800;color:#2b3a5c;background:rgba(20,23,108,0.06);border:1px solid rgba(20,23,108,0.10);padding:6px 10px;border-radius:999px}

/* panel */
.hero-panel .panel{position:sticky;top:110px}
.panel{
  background:var(--card);
  border:1px solid var(--border);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
  padding:18px
}
.panel-accent{
  background:
    radial-gradient(420px 220px at 20% 0%, rgba(247,164,0,0.14), transparent 65%),
    #fff;
}
.panel-head{display:flex;align-items:center;justify-content:space-between;gap:10px}
.panel-title{margin:0;font-size:14px;color:var(--muted);text-transform:uppercase;letter-spacing:.9px;font-weight:950}
.panel-chip{background:rgba(17,101,75,0.12);border:1px solid rgba(17,101,75,0.22);color:#0d4b37;font-weight:950;font-size:12px;padding:6px 10px;border-radius:999px}
.panel-value{font-size:22px;font-weight:950;color:var(--navy);margin:6px 0 0}
.panel-divider{height:1px;background:var(--border);margin:14px 0}
.panel-sub{color:var(--muted);margin:0 0 14px}
.panel-note{
  display:flex;align-items:flex-start;gap:10px;
  margin-top:14px;padding:12px;border-radius:14px;
  background:rgba(20,23,108,0.05);
  border:1px solid rgba(20,23,108,0.10);
}
.panel-note-ic{width:34px;height:34px;border-radius:12px;display:flex;align-items:center;justify-content:center;background:#fff;border:1px solid var(--border)}
.muted{color:var(--muted)}

/* mini stats */
.mini-stats{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:12px}
.mini-stat{background:#fff;border:1px solid var(--border);border-radius:16px;padding:12px;box-shadow:0 10px 26px rgba(2,6,23,0.05)}
.mini-k{font-size:12px;color:var(--muted);font-weight:900}
.mini-v{font-size:18px;color:var(--navy);font-weight:950;margin-top:4px}

/* sections */
.section{padding:44px 0}
.section-soft{background:linear-gradient(180deg, #ffffff, var(--soft))}
.section-head h2{margin:0 0 6px;font-size:30px;color:var(--navy);font-weight:950}
.section-head p{margin:0;color:var(--muted)}
.req{color:#c2410c;font-weight:900}
.section-subhead{margin:22px 0 10px}
.section-subhead h3{margin:0;color:var(--navy);font-weight:950}
.section-subhead p{margin:6px 0 0;color:var(--muted)}

/* cards */
.cards{display:grid;gap:16px;margin-top:18px}
.cards-2{grid-template-columns:1fr 1fr}
.card{
  background:var(--card);
  border:1px solid var(--border);
  border-radius:var(--radius);
  box-shadow:0 14px 34px rgba(2,6,23,0.06);
  padding:18px;
  position:relative;
  overflow:hidden;
  transition:transform .15s ease, box-shadow .15s ease;
}
.card:hover{transform:translateY(-2px);box-shadow:0 18px 46px rgba(2,6,23,0.09)}
.card-ribbon{
  position:absolute;inset:auto -60px auto auto;
  width:200px;height:44px;
  background:linear-gradient(135deg, rgba(247,164,0,0.25), rgba(20,23,108,0.18));
  transform:rotate(14deg);
  top:-10px;
}
.card-top{display:flex;align-items:flex-start;justify-content:space-between;gap:12px}
.title-wrap h3{margin:0;font-size:18px;color:var(--navy);font-weight:950}
.subline{display:flex;gap:10px;flex-wrap:wrap;margin-top:6px}
.subline-item{font-size:12px;color:var(--muted);font-weight:800}

.badge{
  display:inline-flex;align-items:center;justify-content:center;
  padding:7px 10px;border-radius:999px;font-weight:950;font-size:12px;
  border:1px solid rgba(17,101,75,0.22);
  background:rgba(17,101,75,0.12);
  color:#0d4b37;
  white-space:nowrap;
}
.badge-open{border-color:rgba(17,101,75,0.22)}

.meta{margin:14px 0 0;padding:0;display:grid;gap:10px}
.meta-2{grid-template-columns:1fr 1fr}
.meta dt{font-size:12px;color:var(--muted);font-weight:900;margin:0}
.meta dd{margin:2px 0 0;font-weight:900;color:#1f2a44}
.summary{color:var(--muted);margin:12px 0 0}

.details{margin-top:12px;border-top:1px dashed var(--border);padding-top:12px}
.details summary{cursor:pointer;font-weight:950;color:var(--navy)}
.details summary:hover{opacity:.95}
.details-grid{display:grid;grid-template-columns:1fr;gap:12px;margin-top:12px}
.details-grid h4{margin:0 0 6px;font-size:14px;color:var(--navy);font-weight:950}
.bul{margin:0;padding-left:18px;color:var(--muted)}
.bul li{margin:6px 0}

.card-actions{margin-top:14px}
.btn-apply{font-weight:950}

/* form */
.form{
  background:#fff;
  border:1px solid var(--border);
  border-radius:var(--radius);
  box-shadow:0 18px 48px rgba(2,6,23,0.06);
  padding:18px;
  margin-top:18px;
}
.field{display:flex;flex-direction:column;gap:7px}
label{font-weight:900;color:#243154}
input,select,textarea{
  width:100%;
  border:1px solid rgba(15,23,42,0.14);
  border-radius:12px;
  padding:12px 12px;
  font-size:14px;
  outline:none;
  background:#fff;
}
input:focus,select:focus,textarea:focus{
  border-color:rgba(20,23,108,0.35);
  box-shadow:0 0 0 4px rgba(20,23,108,0.10);
}
small{color:var(--muted)}

.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:14px}
.grid-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:14px;margin-top:14px}

.checks{margin:14px 0}
.check{display:flex;align-items:flex-start;gap:10px;color:var(--muted);font-weight:700}
.check input{width:18px;height:18px;margin-top:2px}

.fineprint{margin:12px 0 0;color:var(--muted);font-size:12.5px;line-height:1.5}

/* footer */
.footer{border-top:1px solid var(--border);padding:18px 0;background:#fff}
.footer-inner{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}

/* responsive */
@media (max-width: 980px){
  .hero-grid{grid-template-columns:1fr;gap:16px}
  .hero-panel .panel{position:relative;top:auto}
  .trust{grid-template-columns:1fr}
  .cards-2{grid-template-columns:1fr}
  .meta-2{grid-template-columns:1fr}
  .grid-3{grid-template-columns:1fr}
}
@media (max-width: 520px){
  .hero h1{font-size:36px}
  .lead{font-size:16px}
}