:root{
  --navy:#0B2A4A; --navy-2:#123A63; --blue:#1B6BC0; --blue-600:#1558A0; --blue-50:#EAF2FB;
  --bg:#F5F7FA; --card:#FFFFFF; --border:#D8E0E9; --border-strong:#B6C3D2;
  --text:#16212E; --muted:#5C6B7C; --muted-2:#7C8A99;
  --green:#0E7A57; --green-50:#E7F5F0; --red:#C0392B; --red-50:#FDEDEB;
  --amber-50:#FFF7E6; --amber:#96660A;
  --r:10px; --shadow:0 1px 2px rgba(16,32,52,.06), 0 4px 16px rgba(16,32,52,.06);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);
  font:16px/1.55 -apple-system,BlinkMacSystemFont,"Segoe UI",Inter,Roboto,Helvetica,Arial,sans-serif}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
[hidden]{display:none !important}

/* ---------- header ---------- */
header.site{background:var(--navy);color:#fff;padding:12px 0;position:relative;z-index:10}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px}
.brandlink{display:flex;align-items:center;gap:11px;text-decoration:none;color:#fff;min-width:0}
.brandlink img{height:34px;width:auto;max-width:210px;object-fit:contain;display:block}
.brandmark{display:flex;align-items:center;gap:9px}
.brandmark .sq{width:30px;height:30px;border-radius:7px;background:linear-gradient(135deg,#2E86E0,#1558A0);
  display:grid;place-items:center;font-weight:800;font-size:13px;letter-spacing:.02em;flex:none}
.brandmark .txt{font-weight:700;font-size:16.5px;letter-spacing:.2px;white-space:nowrap}
.brandmark .txt span{opacity:.66;font-weight:500}
.hdr-right{display:flex;align-items:center;gap:12px}
.savechip{display:flex;align-items:center;gap:7px;font-size:13px;color:#CFE3F7;
  background:rgba(255,255,255,.08);padding:6px 11px;border-radius:999px;white-space:nowrap}
.savechip .dot{width:7px;height:7px;border-radius:50%;background:#4ADE9B;flex:none}
.langwrap{position:relative;display:flex;align-items:center}
.langwrap svg{position:absolute;left:10px;pointer-events:none;opacity:.8}
select.lang{appearance:none;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);color:#fff;
  font:inherit;font-size:13.5px;padding:7px 28px 7px 31px;border-radius:8px;cursor:pointer;min-height:36px;
  background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='7'%3E%3Cpath fill='%23ffffff' d='M5 7 0 0h10z'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 10px center}
select.lang:hover{background-color:rgba(255,255,255,.17)}
select.lang option{color:#16212E;background:#fff}
@media (max-width:560px){ .savechip{display:none} .brandlink img{height:28px} }

/* ---------- cover ---------- */
.cover{padding:0 0 70px}
.hero{position:relative;background:var(--navy);overflow:hidden;min-height:260px;display:flex;align-items:flex-end}
.hero img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.42}
.hero .scrim{position:absolute;inset:0;background:linear-gradient(180deg,rgba(11,42,74,.35) 0%,rgba(11,42,74,.92) 100%)}
.hero .inner{position:relative;padding:64px 0 40px;width:100%}
.hero .eyebrow{color:#9CC6F0;font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;font-weight:700;margin-bottom:12px}
.hero h1{color:#fff;margin:0;font-size:clamp(28px,4.6vw,46px);line-height:1.12;letter-spacing:-.025em;max-width:17ch}
@media (max-width:700px){ .hero{min-height:200px} .hero .inner{padding:40px 0 30px} }
.cover-body{max-width:660px;margin:-34px auto 0;position:relative;z-index:2;padding:0 20px}
.cover-card{background:#fff;border:1px solid var(--border);border-radius:16px;box-shadow:var(--shadow);padding:32px 34px}
@media (max-width:700px){ .cover-card{padding:24px 20px} }
.cover-card p{font-size:16.5px;line-height:1.62;color:#33414F;margin:0 0 16px}
.cover-card p:last-of-type{margin-bottom:22px}
.cover-facts{list-style:none;margin:0 0 26px;padding:0;border-top:1px solid var(--border);padding-top:20px}
.cover-facts li{display:flex;gap:11px;align-items:flex-start;padding:7px 0;font-size:15px;color:#33414F}
.cover-facts li::before{content:"";flex:none;width:19px;height:19px;border-radius:50%;background:var(--green-50);
  border:1.5px solid var(--green);margin-top:2px;
  background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='11' height='8'%3E%3Cpath fill='none' stroke='%230E7A57' stroke-width='2' d='M1 4l3 3 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:center}
.cover-actions{display:flex;gap:14px;align-items:center;flex-wrap:wrap}
.cover-note{margin-top:22px;padding-top:18px;border-top:1px solid var(--border);font-size:13.5px;color:var(--muted)}
.cover-note a{color:var(--muted)}

/* ---------- layout ---------- */
main{padding:26px 0 90px}
.cols{display:grid;grid-template-columns:252px 1fr;gap:32px;align-items:start}
@media (max-width:900px){ .cols{grid-template-columns:1fr;gap:0} }
.side{position:sticky;top:20px}
@media (max-width:900px){ .side{display:none} }
.side h2{font-size:11px;letter-spacing:.09em;text-transform:uppercase;color:var(--muted-2);margin:0 0 12px 2px}
.side ol{list-style:none;margin:0;padding:0}
.side li{padding:0 0 4px}
.side button{display:flex;gap:11px;align-items:flex-start;width:100%;text-align:left;background:none;border:0;
  padding:9px 10px;border-radius:8px;cursor:pointer;font:inherit;font-size:14px;color:var(--muted)}
.side button:hover:not(:disabled){background:#EDF1F6}
.side button:disabled{cursor:default;opacity:.55}
.side li.current button{background:var(--blue-50);color:var(--navy);font-weight:650}
.side li.done button{color:var(--text)}
.mark{flex:none;width:21px;height:21px;border-radius:50%;border:1.5px solid var(--border-strong);
  display:grid;place-items:center;font-size:11px;font-weight:700;color:var(--muted-2);background:#fff;margin-top:1px}
.side li.current .mark{border-color:var(--blue);background:var(--blue);color:#fff}
.side li.done .mark{border-color:var(--green);background:var(--green);color:#fff}
.side .est{display:block;font-size:12px;font-weight:400;color:var(--muted-2);margin-top:1px}
.side li.current .est{color:var(--blue-600)}

.mprog{display:none;margin-bottom:16px}
@media (max-width:900px){ .mprog{display:block} }
.mprog .row{display:flex;justify-content:space-between;font-size:13px;color:var(--muted);margin-bottom:7px}
.mprog .row b{color:var(--text);font-weight:650}
.bar{height:6px;background:#E3E9F0;border-radius:99px;overflow:hidden}
.bar i{display:block;height:100%;background:var(--blue);border-radius:99px;transition:width .35s cubic-bezier(.4,0,.2,1)}

.card{background:var(--card);border:1px solid var(--border);border-radius:14px;box-shadow:var(--shadow);padding:30px 32px}
@media (max-width:700px){ .card{padding:22px 18px;border-radius:12px} }
.step-h{margin:0 0 4px;font-size:25px;line-height:1.25;letter-spacing:-.02em;color:var(--navy)}
.step-sub{margin:0 0 24px;color:var(--muted);font-size:15px}

/* ---------- fields ---------- */
.f{margin-bottom:22px}
.f.is-hidden,.block.is-hidden,.sub.is-hidden,.row.is-hidden{display:none}
label.q,legend.q{display:block;font-weight:640;font-size:15.5px;margin-bottom:2px;color:var(--text);padding:0}
.opt-tag{font-weight:500;color:var(--muted-2);font-size:13.5px}
.help{font-size:13.5px;color:var(--muted);margin:2px 0 9px;max-width:62ch;white-space:pre-line}
fieldset{border:0;margin:0;padding:0;min-width:0}
input[type=text],input[type=email],input[type=tel],input[type=number],input[type=date],select,textarea{
  width:100%;padding:11px 13px;border:1.5px solid var(--border-strong);border-radius:var(--r);
  font:inherit;font-size:16px;background:#fff;color:var(--text);transition:border-color .12s,box-shadow .12s}
textarea{min-height:96px;resize:vertical;line-height:1.5}
select{appearance:none;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath fill='%235C6B7C' d='M6 8 0 0h12z'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center;padding-right:38px}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(27,107,192,.16)}
input[aria-invalid=true],select[aria-invalid=true],textarea[aria-invalid=true]{border-color:var(--red);background:var(--red-50)}
input:disabled,select:disabled{background:#F1F4F7;color:var(--muted-2);cursor:not-allowed}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:600px){ .row{grid-template-columns:1fr} }
.sublabel{display:block;font-size:12.5px;color:var(--muted);margin:5px 0 0}
.prefix,.suffix{position:relative}
.prefix>span{position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--muted);font-size:16px}
.prefix input{padding-left:28px}
.suffix>span{position:absolute;right:13px;top:50%;transform:translateY(-50%);color:var(--muted);font-size:16px}
.suffix input{padding-right:34px}
.narrow{max-width:170px}
.mid{max-width:230px}
.my{display:flex;gap:10px;max-width:300px}
.my select:first-child{flex:1.4}
.my select:last-child{flex:1}

.choices{display:flex;flex-direction:column;gap:8px}
.choices.two{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.choices.inline{flex-direction:row;flex-wrap:wrap}
.choices.inline .c{flex:0 1 auto;min-width:110px}
@media (max-width:600px){ .choices.two{grid-template-columns:1fr} }
.c{position:relative;display:flex;align-items:flex-start;gap:11px;padding:12px 14px;min-height:46px;
  border:1.5px solid var(--border);border-radius:var(--r);cursor:pointer;background:#fff;
  transition:border-color .12s,background .12s}
.c:hover{border-color:var(--border-strong);background:#FBFCFD}
.c input{position:absolute;opacity:0;width:1px;height:1px}
.box{flex:none;width:19px;height:19px;border:1.5px solid var(--border-strong);background:#fff;margin-top:2px;
  display:grid;place-items:center;transition:all .12s}
.c.radio .box{border-radius:50%}
.c.check .box{border-radius:5px}
.box::after{content:"";opacity:0;transition:opacity .1s}
.c.radio .box::after{width:9px;height:9px;border-radius:50%;background:#fff}
.c.check .box::after{width:10px;height:6px;border-left:2px solid #fff;border-bottom:2px solid #fff;
  transform:rotate(-45deg) translate(1px,-1px)}
.c input:checked ~ .box{background:var(--blue);border-color:var(--blue)}
.c input:checked ~ .box::after{opacity:1}
.c:has(input:checked){border-color:var(--blue);background:var(--blue-50)}
.c input:focus-visible ~ .box{box-shadow:0 0 0 3px rgba(27,107,192,.28)}
.c .ct{font-size:15px;line-height:1.4}
.c .cd{display:block;font-size:13px;color:var(--muted);margin-top:2px}
.c:has(input:checked) .cd{color:var(--navy-2)}

.sub{margin:10px 0 0;padding:16px 18px;border-left:3px solid var(--blue);background:var(--blue-50);
  border-radius:0 var(--r) var(--r) 0}
.sub .f:last-child{margin-bottom:0}
.block{border:1px solid var(--border);border-radius:12px;padding:20px 22px;margin:0 0 22px;background:#FCFDFE}
.block>h3{margin:0 0 3px;font-size:16.5px;color:var(--navy)}
.block>.bhelp{margin:0 0 16px;font-size:13.5px;color:var(--muted)}
@media (max-width:700px){ .block{padding:16px 14px} }

.err{display:none;color:var(--red);font-size:13.5px;font-weight:550;margin-top:6px}
.err.on{display:flex;gap:6px;align-items:flex-start}
.err::before{content:"!";flex:none;width:15px;height:15px;border-radius:50%;background:var(--red);color:#fff;
  font-size:10.5px;font-weight:800;line-height:15px;text-align:center;margin-top:2px}
.warn{display:flex;gap:9px;align-items:flex-start;background:var(--amber-50);border:1px solid #F0DFB8;
  color:var(--amber);border-radius:var(--r);padding:11px 13px;margin-top:9px;font-size:13.5px;line-height:1.5}
.warn::before{content:"!";flex:none;width:18px;height:18px;border-radius:50%;background:var(--amber);
  color:var(--amber-50);font-size:12px;font-weight:800;line-height:18px;text-align:center;margin-top:1px}
.summary{display:none;background:var(--red-50);border:1.5px solid var(--red);border-radius:var(--r);
  padding:14px 16px;margin-bottom:22px}
.summary.on{display:block}
.summary h3{margin:0 0 7px;font-size:15px;color:var(--red)}
.summary ul{margin:0;padding-left:18px;font-size:14px}
.summary a{color:var(--red);font-weight:600}

.notice{background:var(--blue-50);border:1px solid #C3DAF3;border-radius:12px;padding:15px 17px;font-size:14px;
  color:var(--navy-2);margin-bottom:22px;white-space:pre-line}
.notice strong{color:var(--navy)}
.notice.calm{background:#F3F6F9;border-color:var(--border);color:var(--muted)}
.plain{background:var(--green-50);border:1px solid #C3E5D8;border-radius:12px;padding:15px 17px;margin-bottom:22px}
.plain h4{margin:0 0 8px;font-size:14px;color:var(--green)}
.plain ul{margin:0;padding-left:18px;font-size:14.5px;color:var(--text)}
.plain li{margin-bottom:4px}
.partial{background:var(--amber-50);border:1px solid #F0DFB8;color:var(--amber);border-radius:12px;
  padding:13px 16px;font-size:14px;margin-bottom:20px}
.legal{max-height:190px;overflow-y:auto;border:1px solid var(--border);border-radius:var(--r);padding:14px 16px;
  background:#FBFCFD;font-size:13px;line-height:1.6;color:var(--muted)}
details{margin-bottom:22px}
summary{cursor:pointer;font-size:14px;color:var(--blue-600);font-weight:600;padding:6px 0}

.ta{position:relative}
.chips{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:8px}
.chip{display:inline-flex;align-items:center;gap:6px;background:var(--blue-50);border:1px solid #C3DAF3;
  color:var(--navy-2);border-radius:999px;padding:5px 6px 5px 12px;font-size:13.5px}
.chip button{border:0;background:#C9DDF3;color:var(--navy);width:19px;height:19px;border-radius:50%;
  cursor:pointer;font-size:13px;line-height:1;display:grid;place-items:center;padding:0}
.chip button:hover{background:var(--blue);color:#fff}
.ta-list{position:absolute;z-index:30;left:0;right:0;top:calc(100% + 4px);background:#fff;
  border:1px solid var(--border-strong);border-radius:var(--r);box-shadow:0 8px 26px rgba(16,32,52,.15);
  max-height:240px;overflow-y:auto;display:none}
.ta-list.on{display:block}
.ta-list div{padding:10px 13px;cursor:pointer;font-size:14.5px}
.ta-list div:hover,.ta-list div.hi{background:var(--blue-50)}
.ta-list .none{color:var(--muted);cursor:default}

/* ---------- buttons ---------- */
.btn{font:inherit;font-size:15.5px;font-weight:640;padding:12px 24px;border-radius:var(--r);cursor:pointer;
  border:1.5px solid transparent;min-height:46px;display:inline-flex;align-items:center;justify-content:center;gap:8px}
.btn.primary{background:var(--blue);color:#fff}
.btn.primary:hover{background:var(--blue-600)}
.btn.ghost{background:#fff;border-color:var(--border-strong);color:var(--text)}
.btn.ghost:hover{background:#F3F6F9}
.btn.link{background:none;border:0;color:var(--muted);text-decoration:underline;padding:12px 4px;font-weight:500;font-size:14px}
.btn.link:hover{color:var(--blue-600)}
.btn.big{font-size:17px;padding:15px 30px;min-height:54px}
.btn:focus-visible{outline:3px solid rgba(27,107,192,.4);outline-offset:2px}
.btn:disabled{opacity:.55;cursor:not-allowed}
.nav{display:flex;align-items:center;gap:12px;margin-top:30px;padding-top:22px;border-top:1px solid var(--border);flex-wrap:wrap}
.spacer{flex:1}
@media (max-width:600px){ .nav{flex-direction:column-reverse;align-items:stretch} .spacer{display:none} .nav .btn{width:100%} }

/* ---------- review / done ---------- */
.rev{border:1px solid var(--border);border-radius:12px;margin-bottom:14px;overflow:hidden}
.rev h3{margin:0;padding:13px 17px;background:#F3F6F9;font-size:15px;color:var(--navy);
  display:flex;justify-content:space-between;align-items:center;gap:10px}
.rev h3 button{background:none;border:0;color:var(--blue-600);font:inherit;font-size:13.5px;font-weight:600;
  cursor:pointer;text-decoration:underline;padding:2px 4px}
.rev dl{margin:0;padding:6px 17px 14px}
.rev .r{display:grid;grid-template-columns:minmax(160px,42%) 1fr;gap:12px;padding:8px 0;
  border-bottom:1px solid #EDF1F5;font-size:14px}
.rev .r:last-child{border-bottom:0}
.rev dt{color:var(--muted)}
.rev dd{margin:0;font-weight:550}
@media (max-width:600px){ .rev .r{grid-template-columns:1fr;gap:1px} }
.done{text-align:center;padding:26px 10px}
.done .tick{width:62px;height:62px;border-radius:50%;background:var(--green-50);color:var(--green);
  display:grid;place-items:center;margin:0 auto 18px;font-size:30px}
.done h2{margin:0 0 8px;font-size:26px;color:var(--navy)}
.done p{color:var(--muted);max-width:52ch;margin:0 auto 10px}
.refbox{display:inline-block;margin:16px auto 0;background:#F3F6F9;border:1px dashed var(--border-strong);
  border-radius:10px;padding:10px 18px;font-size:14px;color:var(--muted)}
.refbox b{display:block;font-size:19px;color:var(--navy);letter-spacing:.04em;margin-top:3px;font-family:ui-monospace,Menlo,Consolas,monospace}

/* ---------- modal ---------- */
.modal{position:fixed;inset:0;background:rgba(11,42,74,.5);display:none;place-items:center;padding:20px;z-index:100}
.modal.on{display:grid}
.modal .m{background:#fff;border-radius:14px;padding:26px;max-width:460px;width:100%;box-shadow:0 20px 60px rgba(0,0,0,.28)}
.modal h3{margin:0 0 8px;font-size:19px;color:var(--navy)}
.modal p{color:var(--muted);font-size:14.5px;margin:0 0 16px}
.modal .acts{display:flex;gap:10px;justify-content:flex-end;flex-wrap:wrap}

.sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
a.skip{position:absolute;left:-999px}
a.skip:focus{left:12px;top:10px;background:#fff;color:var(--navy);padding:9px 14px;border-radius:8px;z-index:200}
.foot{text-align:center;color:var(--muted-2);font-size:13px;margin-top:20px}
.foot a{color:var(--muted)}
@media (prefers-reduced-motion:reduce){ *{animation:none !important;transition:none !important;scroll-behavior:auto !important} }