:root{
  --navy:#1f2a8c; --navy-2:#2b37b0; --ink:#14183a; --text:#2b2f4a; --muted:#666b85;
  --yellow:#ffc928; --yellow-2:#ffb400; --bg:#f5f6fb; --card:#fff; --line:#dfe2ee;
  --ok:#14804a; --err:#c62828; --radius:16px; --shadow:0 10px 30px rgba(20,24,58,.12);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font:16px/1.55 system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--text);background:var(--bg)}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy-2)}
h1,h2,h3{color:var(--ink);line-height:1.15;margin:0 0 .5em}
.wrap{max-width:1120px;margin:0 auto;padding:0 16px}
.narrow{max-width:760px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.muted{color:var(--muted);font-size:.9em}
.center{text-align:center}
.ico{width:1.1em;height:1.1em;vertical-align:-.18em;flex:none}

/* top bar */
.topbar{background:#fff;border-bottom:1px solid var(--line)}
.topbar-in{display:flex;align-items:center;justify-content:space-between;height:56px}
.brand{font-weight:800;font-size:1.45rem;color:var(--navy);text-decoration:none;letter-spacing:.3px}
.brand span{color:var(--yellow-2)}
.topbar-note{font-size:.85rem;color:var(--muted);display:flex;gap:6px;align-items:center}

/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,#3b48c9 0,transparent 60%),linear-gradient(160deg,var(--navy) 0,#151d66 100%);color:#fff;padding:18px 0 32px}
.hero h1{margin-bottom:0}
.hero-grid{display:grid;gap:18px;align-items:start;grid-template-areas:'copy' 'form' 'ticks'}
.hero-copy{grid-area:copy}.form-card{grid-area:form}.ticks{grid-area:ticks}
.hero h1{color:#fff;font-size:clamp(1.65rem,7vw,3rem);font-weight:800;letter-spacing:-.5px}
.hero mark{background:linear-gradient(transparent 58%,var(--yellow) 58%);color:#fff;padding:0 .1em}
.eyebrow{display:inline-flex;gap:8px;align-items:center;background:rgba(255,255,255,.12);border-radius:99px;padding:5px 12px;font-size:.8rem;font-weight:600;margin:0 0 10px}
.lead{font-size:1.08rem;opacity:.95;margin:0 0 14px}
.hero .lead{display:none}
.ticks{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.ticks li{display:flex;gap:10px;align-items:flex-start}
.ticks .ico{color:var(--yellow);margin-top:3px}

/* card / form */
.card{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px;color:var(--text)}
.form-card{position:relative;scroll-margin-top:12px}
.progress{height:6px;background:#eceef6;border-radius:99px;overflow:hidden;margin-bottom:10px}
.progress-bar{display:block;height:100%;width:50%;background:linear-gradient(90deg,var(--yellow),var(--yellow-2));transition:width .35s}
.step-label{font-size:.85rem;color:var(--muted);margin:0 0 12px;font-weight:600}
.step-intro{margin:0 0 14px;font-size:.95rem}
fieldset{border:0;margin:0;padding:0;min-width:0}
.f{margin-bottom:14px}
.f label,.lbl{display:block;font-weight:600;font-size:.92rem;margin-bottom:6px;color:var(--ink)}
input[type=text],input[type=email],select{width:100%;font:inherit;font-size:16px;padding:13px 14px;border:1.5px solid var(--line);border-radius:12px;background:#fff;color:var(--ink);transition:border-color .15s,box-shadow .15s;appearance:none;-webkit-appearance:none}
select{background-image:linear-gradient(45deg,transparent 50%,#888 50%),linear-gradient(135deg,#888 50%,transparent 50%);background-position:calc(100% - 18px) 55%,calc(100% - 13px) 55%;background-size:5px 5px;background-repeat:no-repeat;padding-right:30px}
input:focus,select:focus{outline:0;border-color:var(--navy-2);box-shadow:0 0 0 4px rgba(43,55,176,.15)}
[aria-invalid=true]{border-color:var(--err)!important}
.f-err{color:var(--err);font-size:.85rem;margin:6px 0 0}
.f-hint{font-size:.88rem;margin:6px 0 0;color:var(--navy-2)}
.f-hint button{font:inherit;color:inherit;background:none;border:0;padding:0;text-decoration:underline;cursor:pointer;font-weight:700}
.dob{display:grid;grid-template-columns:.8fr 1.6fr 1.1fr;gap:8px}
.seg{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.seg3{grid-template-columns:1fr 1fr 1.35fr}
.seg3 span{font-size:.88rem;white-space:nowrap;padding:12px 4px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.opt{font-style:normal;font-weight:400;color:var(--muted);font-size:.85em}
.seg label{margin:0;font-weight:600}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg span{display:block;text-align:center;padding:12px 6px;border:1.5px solid var(--line);border-radius:12px;cursor:pointer;color:var(--ink);transition:.15s}
.seg input:checked+span{border-color:var(--navy-2);background:#eef0ff;color:var(--navy)}
.seg input:focus-visible+span{box-shadow:0 0 0 4px rgba(43,55,176,.2)}
.hp{position:absolute;left:-9999px;top:-9999px}

.btn{display:inline-flex;justify-content:center;align-items:center;gap:8px;font:inherit;font-weight:700;border-radius:12px;padding:14px 20px;border:0;cursor:pointer;text-decoration:none;transition:transform .08s,box-shadow .15s,background .15s}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--yellow);color:var(--ink);box-shadow:0 6px 0 var(--yellow-2)}
.btn-primary:hover{background:#ffd34f}
.btn-ghost{background:#fff;color:var(--navy);border:1.5px solid var(--line)}
.btn-block{width:100%;font-size:1.08rem}
.link{background:none;border:0;padding:0;font:inherit;color:var(--navy-2);text-decoration:underline;cursor:pointer;font-size:.88rem}
.micro{font-size:.8rem;color:var(--muted);margin:12px 0 0;display:flex;gap:6px;align-items:flex-start}
.micro .ico{margin-top:2px}
.alert{background:#fdecea;color:#8a1c1c;border-radius:10px;padding:10px 12px;margin-bottom:12px;font-size:.92rem}
.notice{background:#e8f5ee;color:#0d5a33;border-radius:10px;padding:12px 14px;margin:0 0 16px}

.consents{border-top:1px solid var(--line);margin-top:6px;padding-top:12px}
.chk{display:flex;gap:10px;align-items:flex-start;font-size:.84rem;line-height:1.45;margin:0 0 10px;cursor:pointer}
.chk input{width:20px;height:20px;margin:1px 0 0;flex:none;accent-color:var(--navy-2)}
.chk.req{font-size:.88rem}
.opt-head{display:flex;justify-content:space-between;align-items:center;margin:14px 0 8px;font-weight:700;font-size:.85rem;color:var(--ink)}
.step-actions{display:grid;grid-template-columns:auto 1fr;gap:10px;margin-top:12px}

/* JS step mode */
.js form:not(.is-ready) [data-step="2"]{display:none}
.is-ready [data-step]{display:none}
.is-ready [data-step].is-active{display:block}
.is-ready.anim [data-step].is-active{animation:fade .25s ease}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}

/* bands */
.band{padding:44px 0}
.band-alt{background:#fff}
.band h2{font-size:clamp(1.4rem,4vw,1.9rem);text-align:center;margin-bottom:24px}
.grid4{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-bottom:22px}
.mini{background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 2px 10px rgba(20,24,58,.07)}
.mini img{aspect-ratio:3/2;object-fit:cover;width:100%}
.mini h3{font-size:.86rem;padding:10px 12px;margin:0;font-weight:600}
.steps3{list-style:none;padding:0;margin:0;display:grid;gap:16px}
.steps3 li{background:var(--bg);border-radius:14px;padding:18px;text-align:center}
.steps3 .num{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;margin-bottom:8px}
.steps3 h3{font-size:1.05rem}
.steps3 p{margin:0;color:var(--muted)}
details{background:#fff;border-radius:12px;padding:14px 16px;margin-bottom:10px;box-shadow:0 1px 4px rgba(20,24,58,.06)}
summary{font-weight:700;cursor:pointer;color:var(--ink)}
details p{margin:10px 0 0}

.sticky-cta{position:fixed;left:0;right:0;bottom:0;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.96);box-shadow:0 -4px 16px rgba(0,0,0,.08);transform:translateY(110%);transition:transform .25s;z-index:20}
.sticky-cta.show{transform:none}

/* pages */
.page{padding:32px 16px 48px}
.prose h2{font-size:1.2rem;margin-top:1.6em}
.prose li{margin-bottom:6px}
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
table{border-collapse:collapse;width:100%;font-size:.9rem;background:#fff}
th,td{border:1px solid var(--line);padding:9px 10px;text-align:left;vertical-align:top}
th{background:#eef0f8;color:var(--ink)}
.thanks{text-align:center;padding:32px 22px}
.thanks-ico{width:64px;height:64px;border-radius:50%;background:#e8f5ee;color:var(--ok);display:grid;place-items:center;margin:0 auto 14px}
.thanks-ico .ico{width:34px;height:34px}
.thanks .lead{color:var(--text)}
.thanks-actions{display:flex;gap:10px;justify-content:center;flex-wrap:wrap;margin:18px 0}
.thanks .micro{justify-content:center}
.danger-zone{margin:14px 0}

/* footer */
.foot{background:#11163f;color:#b9bdd6;font-size:.82rem;padding:26px 0 90px}
.foot a{color:#fff}
.foot-links{display:flex;flex-wrap:wrap;gap:8px 18px;margin-bottom:12px}
.foot .muted{color:#8e93b3}

/* cookie banner */
.cc{position:fixed;left:0;right:0;bottom:0;z-index:50;padding:0 8px calc(8px + env(safe-area-inset-bottom))}
.cc-in{position:relative;max-width:640px;margin:0 auto;background:#fff;border-radius:12px;box-shadow:0 6px 30px rgba(0,0,0,.25);padding:10px 12px;font-size:.78rem;line-height:1.4;display:grid;grid-template-columns:1fr auto;gap:8px;align-items:center}
.cc-in p{margin:0}
.cc-btns{display:flex;gap:6px}
.cc-btns .btn{padding:8px 12px;font-size:.8rem;border-radius:9px}

@media (min-width:760px){
  .hero{padding:56px 0 64px}
  .hero-grid{grid-template-columns:1.05fr .95fr;gap:20px 48px;grid-template-areas:'copy form' 'ticks form';grid-template-rows:auto 1fr}
  .hero h1{margin-bottom:.4em}
  .hero .lead{display:block}
  .hero-copy{padding-top:12px}
  .card{padding:28px}
  .grid4{grid-template-columns:repeat(4,1fr)}
  .steps3{grid-template-columns:repeat(3,1fr)}
  .sticky-cta{display:none}
  .foot{padding-bottom:30px}
}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}html{scroll-behavior:auto}}