:root{
  --navy:#072b61;
  --navy2:#0b3d80;
  --orange:#f15a00;
  --orange2:#ff7a22;
  --ink:#132d52;
  --muted:#5f708a;
  --line:#dbe4ef;
  --soft:#f3f6fa;
  --white:#ffffff;
  --ok:#16834d;
  --danger:#b52828;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Arial,Helvetica,sans-serif;
  color:var(--ink);
  background:linear-gradient(180deg,#eef3f8 0,#f8fafc 100%);
}
a{color:inherit}
.site-header{
  background:var(--white);
  border-top:7px solid var(--orange);
  border-bottom:1px solid var(--line);
  box-shadow:0 4px 20px rgba(7,43,97,.08);
}
.header-inner{
  max-width:1120px;
  margin:auto;
  padding:20px 24px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none}
.mark{
  width:62px;height:62px;border-radius:15px 15px 20px 15px;
  background:linear-gradient(145deg,var(--navy2),var(--navy));
  color:#fff;display:grid;place-items:center;font-size:34px;font-weight:900;
  box-shadow:inset -8px -8px 0 rgba(255,255,255,.06),0 8px 18px rgba(7,43,97,.22);
  position:relative;
}
.mark:after{
  content:"";position:absolute;width:15px;height:15px;background:var(--orange);
  right:4px;bottom:4px;transform:rotate(45deg);border-radius:2px;
}
.brand-copy strong{display:block;font-size:29px;letter-spacing:.5px;color:var(--navy)}
.brand-copy span{display:block;font-size:18px;font-weight:800;color:var(--orange)}
.header-note{text-align:right;font-weight:700;color:var(--navy);line-height:1.4}
.header-note small{display:block;color:var(--orange);font-size:13px}
.hero{
  background:linear-gradient(135deg,var(--navy),#0b4388);
  color:#fff;padding:46px 24px 42px;
}
.hero-inner{max-width:1120px;margin:auto}
.kicker{color:#ffb077;font-weight:800;text-transform:uppercase;letter-spacing:1.1px;font-size:13px}
.hero h1{font-size:38px;line-height:1.12;margin:10px 0 14px;max-width:900px}
.hero p{font-size:18px;line-height:1.65;max-width:900px;margin:0;color:#e5edf8}
.page{max-width:1120px;margin:-20px auto 50px;padding:0 24px}
.panel{
  background:#fff;border:1px solid var(--line);border-radius:16px;
  box-shadow:0 12px 35px rgba(15,49,93,.10);overflow:hidden;margin-bottom:22px;
}
.panel-title{
  padding:15px 20px;background:var(--navy);color:#fff;
  font-size:18px;font-weight:800;display:flex;align-items:center;gap:10px;
}
.panel-title.orange{background:var(--orange)}
.panel-body{padding:22px}
.cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.choice{
  text-decoration:none;background:#fff;border:1px solid var(--line);
  border-radius:16px;padding:27px;box-shadow:0 10px 28px rgba(12,42,91,.08);
  transition:.2s transform,.2s box-shadow,.2s border-color;position:relative;overflow:hidden;
}
.choice:before{content:"";position:absolute;top:0;left:0;width:7px;height:100%;background:var(--navy)}
.choice.orange:before{background:var(--orange)}
.choice:hover{transform:translateY(-3px);box-shadow:0 15px 34px rgba(12,42,91,.14);border-color:#b8c8da}
.choice .eyebrow{font-size:12px;text-transform:uppercase;font-weight:800;color:var(--muted);letter-spacing:.8px}
.choice h2{font-size:25px;color:var(--navy);margin:9px 0}
.choice p{line-height:1.6;color:var(--muted);margin-bottom:18px}
.pill{
  display:inline-block;background:var(--navy);color:#fff;font-weight:800;
  padding:11px 16px;border-radius:7px;
}
.orange .pill{background:var(--orange)}
.intro-box{
  display:grid;grid-template-columns:1.25fr .75fr;gap:18px;
}
.notice{
  padding:18px;border-radius:12px;background:#eef4fb;border:1px solid #d7e3f1;
  line-height:1.6;color:#334c70;
}
.notice.orange{background:#fff5ee;border-color:#ffdac2}
form{margin:0}
.section{
  background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:18px;overflow:hidden;
}
.section-head{
  display:flex;align-items:center;gap:10px;background:#eef3f9;color:var(--navy);
  padding:13px 17px;font-weight:800;border-bottom:1px solid var(--line)
}
.section-head .num{
  width:30px;height:30px;border-radius:7px;background:var(--navy);
  color:#fff;display:grid;place-items:center
}
.section-head.orange .num{background:var(--orange)}
.section-content{padding:18px}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px}
.field{display:flex;flex-direction:column;gap:7px}
label{font-size:13px;font-weight:800;color:#29466d}
.req{color:var(--orange)}
input,select,textarea{
  width:100%;border:1px solid #c9d6e5;border-radius:8px;padding:11px 12px;
  font:inherit;color:#173459;background:#fff;outline:none;
}
input:focus,select:focus,textarea:focus{border-color:#4d80bc;box-shadow:0 0 0 3px rgba(32,91,155,.10)}
textarea{min-height:92px;resize:vertical}
.check-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px}
.check{
  display:flex;align-items:center;gap:8px;border:1px solid var(--line);
  border-radius:8px;padding:10px;background:#fbfcfe;font-weight:700;font-size:13px;
}
.check input{width:auto}
.table-wrap{overflow-x:auto}
table{width:100%;border-collapse:collapse;min-width:760px}
th{background:var(--navy);color:#fff;padding:10px;font-size:12px}
td{border:1px solid var(--line);padding:6px}
td input,td select{border:0;padding:8px;background:#fff;box-shadow:none}
.consent{
  display:flex;gap:10px;align-items:flex-start;padding:15px;background:#fff7f2;
  border:1px solid #ffd6bd;border-radius:10px;line-height:1.5;font-size:13px;
}
.consent input{width:auto;margin-top:3px}
.actions{
  display:flex;flex-wrap:wrap;gap:12px;justify-content:center;padding:22px 0 6px
}
button,.button{
  border:0;border-radius:8px;padding:13px 18px;font-weight:800;font-size:15px;
  cursor:pointer;text-decoration:none;display:inline-flex;align-items:center;justify-content:center;
}
.primary{background:var(--orange);color:#fff;box-shadow:0 8px 16px rgba(241,90,0,.20)}
.secondary{background:var(--navy);color:#fff}
.ghost{background:#edf2f7;color:var(--navy)}
.status{
  display:none;margin:15px 0 0;padding:14px;border-radius:9px;font-weight:700;line-height:1.5
}
.status.ok{display:block;background:#e9f7ef;color:#12633d;border:1px solid #bce5cc}
.status.error{display:block;background:#fff0f0;color:#8c2222;border:1px solid #f2c5c5}
.footer{background:var(--navy);color:#fff;padding:23px;text-align:center;line-height:1.6}
.footer strong{color:#ffb078}
.small{font-size:12px;color:var(--muted);line-height:1.5}
.hp{position:absolute;left:-10000px;opacity:0;width:1px;height:1px}
@media(max-width:800px){
  .header-inner{align-items:flex-start}.header-note{display:none}
  .hero h1{font-size:30px}.cards,.intro-box,.grid-2,.grid-3{grid-template-columns:1fr}
  .check-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:520px){
  .brand-copy strong{font-size:24px}.brand-copy span{font-size:15px}.mark{width:52px;height:52px}
  .hero{padding-top:34px}.hero h1{font-size:26px}.page{padding:0 12px}
  .check-grid{grid-template-columns:1fr}.actions button,.actions .button{width:100%}
}
@media print{
  body{background:#fff}.site-header,.hero,.footer,.no-print{display:none!important}
  .page{margin:0;max-width:none;padding:0}.panel,.section{box-shadow:none;break-inside:avoid}
  button{display:none!important}
}