:root{
  --navy:#0f2747; --navy-2:#173a66; --ink:#1b2333; --muted:#5b6678; --line:#dfe5ee;
  --bg:#f3f6fa; --card:#fff; --brand:#1d6fe0; --brand-soft:#e8f0fd;
  --go:#0c9a62; --go-dark:#08804f; --err:#c62828; --err-soft:#fdecec;
  --r:12px; --shadow:0 10px 30px rgba(15,39,71,.08),0 2px 6px rgba(15,39,71,.05);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.5 Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--brand)}
.wrap{max-width:1120px;margin:0 auto;padding:0 16px}

/* top bar */
.topbar{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.topbar__in{display:flex;align-items:center;justify-content:space-between;height:60px}
.brand{display:flex;align-items:center;text-decoration:none;color:var(--navy)}
.brand__logo{height:36px;width:auto;max-width:200px;object-fit:contain}
.brand__text{font-weight:800;font-size:20px;letter-spacing:-.02em}
.brand__text b{color:var(--brand)}
.secure-pill{display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:600;color:var(--go-dark);background:#e7f6ef;padding:6px 10px;border-radius:99px}

/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:28px 0 84px}
.hero h1{margin:0 0 10px;font-size:clamp(26px,5.4vw,42px);line-height:1.15;letter-spacing:-.02em;font-weight:800;max-width:720px}
.hero .hl{color:#7fd8ad}
.hero__sub{margin:0 0 14px;color:#cdd8ea;max-width:640px;font-size:16px}
.hero__ticks{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px 18px;font-size:14px;color:#e6edf8}
.hero__ticks li{display:flex;align-items:center;gap:6px}
.hero__ticks li::before{content:"";width:16px;height:16px;border-radius:50%;background:#2fbf7f url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='white' d='M9.5 16.2 5.3 12l-1.4 1.4 5.6 5.6L20.1 8.4 18.7 7z'/%3E%3C/svg%3E") center/12px no-repeat}

/* layout */
.main{display:grid;grid-template-columns:1fr;gap:20px;margin-top:-60px;position:relative}
@media(min-width:960px){.main{grid-template-columns:minmax(0,1fr) 320px;align-items:start}.side{position:sticky;top:80px}}
.card{background:var(--card);border-radius:16px;box-shadow:var(--shadow)}

/* form */
.form{padding:8px 16px 22px}
@media(min-width:600px){.form{padding:12px 28px 28px}}
.sec{border:0;margin:0;padding:18px 0 6px;border-bottom:1px solid var(--line)}
.sec legend{float:left;width:100%;display:flex;align-items:center;gap:10px;font-weight:700;font-size:18px;color:var(--navy);padding:0;margin:0 0 14px}
.sec legend+*{clear:both}
.sec__n{display:inline-grid;place-items:center;width:28px;height:28px;border-radius:50%;background:var(--brand-soft);color:var(--brand);font-size:14px;font-weight:800;flex:none}
.sec__note{margin:-4px 0 12px;color:var(--muted);font-size:14px}
.grid{display:grid;grid-template-columns:1fr;gap:12px 14px}
@media(min-width:600px){.grid{grid-template-columns:1fr 1fr}.col-2{grid-column:span 2}}
.f{display:flex;flex-direction:column;min-width:0}
.f label,.lbl{font-size:14px;font-weight:600;margin-bottom:6px;color:#2a3446}
.f label em{font-style:normal;font-weight:500;color:var(--muted);font-size:12px;margin-left:4px}
input,select{font:inherit;font-size:16px;color:var(--ink);width:100%;height:50px;padding:0 14px;border:1.5px solid #cdd5e1;border-radius:var(--r);background:#fff;outline:none;transition:border-color .15s,box-shadow .15s;-webkit-appearance:none;appearance:none}
input[type=date]{min-height:50px;line-height:50px}
select{background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%235b6678' d='M7 10l5 5 5-5z'/%3E%3C/svg%3E") right 10px center/22px no-repeat;padding-right:38px}
select.big{font-weight:700;font-size:18px}
input:focus,select:focus{border-color:var(--brand);box-shadow:0 0 0 4px rgba(29,111,224,.15)}
.prefix{position:relative}
.prefix span{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600}
.prefix input{padding-left:28px}
.dob{display:grid;grid-template-columns:1.3fr 1fr 1.1fr;gap:8px}
.hint{font-size:12.5px;color:var(--muted);margin-top:5px}
.check-hint{display:flex;gap:6px;align-items:flex-start;margin:12px 0 4px}
.check-hint svg{flex:none;margin-top:2px;color:var(--brand)}

/* segmented yes/no */
.seg{display:flex;gap:8px}
.seg label{flex:1;margin:0;cursor:pointer}
.seg input{position:absolute;opacity:0;width:1px;height:1px;pointer-events:none}
.seg span{display:flex;align-items:center;justify-content:center;height:50px;border:1.5px solid #cdd5e1;border-radius:var(--r);font-weight:600;font-size:15px;color:#2a3446;background:#fff;transition:all .15s;user-select:none}
.seg input:checked+span{border-color:var(--brand);background:var(--brand-soft);color:var(--brand)}
.seg input:focus-visible+span{box-shadow:0 0 0 4px rgba(29,111,224,.15)}

/* errors */
.f.has-err input,.f.has-err select,.f.has-err .seg span{border-color:var(--err)}
.err-msg{color:var(--err);font-size:13px;font-weight:500;margin-top:5px}
.form__err{background:var(--err-soft);color:var(--err);border-radius:var(--r);padding:12px 14px;font-size:14px;font-weight:500;margin:16px 0 0}

/* consent */
.consent{padding-top:16px;display:grid;gap:12px}
.chk{display:flex;gap:10px;align-items:flex-start;font-size:12.5px;line-height:1.5;color:#3d475a;cursor:pointer}
.chk input{flex:none;width:20px;height:20px;margin:1px 0 0;padding:0;border-radius:5px;border:1.5px solid #b8c2d1;cursor:pointer;-webkit-appearance:none;appearance:none;background:#fff}
.chk input:checked{background:var(--brand) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='white' d='M9.5 16.2 5.3 12l-1.4 1.4 5.6 5.6L20.1 8.4 18.7 7z'/%3E%3C/svg%3E") center/16px no-repeat;border-color:var(--brand)}
.chk.has-err input{border-color:var(--err)}
.chk{flex-wrap:wrap}
.chk span{flex:1;min-width:0}
.chk .err-msg{flex-basis:100%;padding-left:30px;margin-top:0}

.cta{margin-top:20px;width:100%;height:58px;border:0;border-radius:14px;background:var(--go);color:#fff;font:inherit;font-size:18px;font-weight:700;display:flex;align-items:center;justify-content:center;gap:8px;cursor:pointer;box-shadow:0 8px 20px rgba(12,154,98,.28);transition:background .15s,transform .05s}
.cta:hover{background:var(--go-dark)}
.cta:active{transform:translateY(1px)}
.cta[disabled]{opacity:.7;cursor:wait}
.form__fine{font-size:12px;color:var(--muted);text-align:center;margin:10px 0 0}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* side */
.trust{padding:20px}
.trust h2{margin:0 0 12px;font-size:17px;color:var(--navy)}
.steps{margin:0;padding:0;list-style:none;counter-reset:s;display:grid;gap:14px}
.steps li{counter-increment:s;display:grid;grid-template-columns:30px 1fr;column-gap:10px;font-size:14px}
.steps li::before{content:counter(s);grid-row:span 2;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700;font-size:13px}
.steps b{color:var(--ink)}
.steps span{color:var(--muted)}
.badges{display:grid;grid-template-columns:repeat(3,1fr);margin-top:16px;padding:14px 8px;text-align:center}
.badges div{display:flex;flex-direction:column;font-size:12px;color:var(--muted);padding:0 4px}
.badges div+div{border-left:1px solid var(--line)}
.badges b{color:var(--navy);font-size:14px}

/* faq */
.faq{margin:36px auto 0;max-width:820px}
.faq h2{font-size:22px;color:var(--navy);margin:0 0 12px;text-align:center}
.faq details{background:#fff;border-radius:var(--r);margin-bottom:10px;box-shadow:0 1px 3px rgba(15,39,71,.06)}
.faq summary{cursor:pointer;padding:15px 44px 15px 16px;font-weight:600;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:16px;top:50%;transform:translateY(-50%);font-size:22px;color:var(--brand);font-weight:500}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:0;padding:0 16px 16px;color:var(--muted);font-size:15px}

/* footer */
.footer{margin-top:40px;background:#0b1d36;color:#9fb0c8;padding:28px 0 36px;font-size:12.5px;line-height:1.6}
.footer__nav{display:flex;flex-wrap:wrap;gap:8px 18px;margin-bottom:16px}
.footer__nav a{color:#dbe5f3;text-decoration:none;font-weight:500}
.footer__nav a:hover{text-decoration:underline}
.disclaimer p{margin:0 0 10px}
.disclaimer b{color:#dbe5f3}
.copy{margin-top:14px!important}

/* overlay */
.overlay{position:fixed;inset:0;background:rgba(11,29,54,.72);backdrop-filter:blur(3px);z-index:100;display:grid;place-items:center;padding:16px}
.overlay[hidden]{display:none}
.overlay__box{background:#fff;border-radius:18px;padding:28px 22px;max-width:360px;width:100%;text-align:center;box-shadow:var(--shadow)}
.spinner{width:52px;height:52px;margin:0 auto 14px;border-radius:50%;border:5px solid var(--brand-soft);border-top-color:var(--brand);animation:spin .9s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.overlay__title{margin:0 0 4px;font-size:19px;font-weight:700;color:var(--navy)}
.overlay__msg{margin:0 0 10px;color:var(--brand);font-weight:600;min-height:24px}
.overlay__note{margin:0;font-size:12.5px;color:var(--muted)}

/* simple pages (legal / thank-you) */
.page{max-width:820px;margin:24px auto 0;padding:24px 18px 32px}
@media(min-width:600px){.page{padding:36px 40px}}
.page h1{font-size:28px;color:var(--navy);margin:0 0 6px;letter-spacing:-.01em}
.page h2{font-size:19px;color:var(--navy);margin:26px 0 8px}
.page p,.page li{color:#344055;font-size:15px}
.page .updated{color:var(--muted);font-size:13px;margin-top:0}
.ty{text-align:center}
.ty__icon{width:72px;height:72px;margin:6px auto 14px;border-radius:50%;background:#e7f6ef;display:grid;place-items:center;color:var(--go)}
.btn-ghost{display:inline-block;margin-top:14px;padding:12px 20px;border-radius:12px;border:1.5px solid var(--line);text-decoration:none;font-weight:600;color:var(--navy);background:#fff}