:root{--navy:#0b1f3a;--navy2:#13305a;--gold:#c8962e;--gold2:#e6b955;--ink:#1c2533;--mut:#5b6678;--bg:#f6f7fa;--line:#e3e7ee}
*{box-sizing:border-box;margin:0;padding:0}body{font-family:Inter,"Segoe UI",Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6;-webkit-print-color-adjust:exact;print-color-adjust:exact}
a{color:inherit;text-decoration:none}.wrap{max-width:1200px;margin:0 auto;padding:0 40px}
.top{background:var(--navy);color:#c9d3e3;font-size:13px}.top .wrap{display:flex;justify-content:space-between;padding:8px 40px}
header{background:#fff;border-bottom:1px solid var(--line)}header .wrap{display:flex;align-items:center;justify-content:space-between;height:84px}
header img{height:46px}nav{display:flex;gap:28px;font-weight:600;font-size:15px;align-items:center}nav a.on{color:var(--gold)}
.btn{display:inline-block;padding:13px 26px;border-radius:8px;font-weight:700;font-size:15px}.gold{background:var(--gold);color:#fff}.ghost{border:2px solid currentColor}.navyb{background:var(--navy);color:#fff}
nav .btn{padding:10px 18px}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:96px 0}.hero h1{font-size:56px;line-height:1.08;letter-spacing:-1px;max-width:760px}.hero p{font-size:20px;color:#c9d3e3;max-width:640px;margin:22px 0 34px}.hero .btn+.btn{margin-left:14px}
.eyebrow{text-transform:uppercase;letter-spacing:2px;font-size:13px;font-weight:700;color:var(--gold2);margin-bottom:14px}
.sec{padding:84px 0}.alt{background:var(--bg)}h2{font-size:38px;letter-spacing:-.5px;line-height:1.15;margin-bottom:14px}.lead{font-size:18px;color:var(--mut);max-width:720px;margin-bottom:44px}
.grid{display:grid;gap:26px}.g2{grid-template-columns:1fr 1fr}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:32px;box-shadow:0 6px 24px rgba(11,31,58,.06)}.card h3{font-size:22px;margin-bottom:8px}.card p{color:var(--mut)}
.tag{display:inline-block;background:#fbf3e1;color:#8a6414;font-weight:700;font-size:12px;letter-spacing:1px;padding:5px 10px;border-radius:20px;margin-bottom:14px}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:20px 0}.stat{background:var(--bg);border-radius:10px;padding:14px}.stat b{display:block;font-size:20px;color:var(--navy)}.stat span{font-size:12px;text-transform:uppercase;letter-spacing:1px;color:var(--mut)}
ul.chk{list-style:none}ul.chk li{padding:6px 0 6px 28px;position:relative}ul.chk li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:800}
.steps{counter-reset:s}.step{position:relative;padding-left:62px;margin-bottom:26px}.step:before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}.step h4{font-size:18px}.step p{color:var(--mut)}
.quote{font-size:16px;color:var(--ink)}.quote h4{color:var(--navy);margin-bottom:10px}.quote small{display:block;margin-top:14px;color:var(--mut)}
.band{background:var(--gold);color:#fff;padding:60px 0}.band .wrap{display:flex;justify-content:space-between;align-items:center}.band h2{margin:0}.band .btn{background:#fff;color:var(--navy)}.band .ghost{background:transparent;color:#fff;margin-left:12px}
footer{background:var(--navy);color:#9fb0c8;padding:60px 0 30px;font-size:14px}footer .grid{grid-template-columns:2fr 1fr 1fr 1fr}footer h5{color:#fff;font-size:14px;margin-bottom:12px}footer p{margin-bottom:6px}footer .logo{background:#fff;border-radius:8px;padding:8px 12px;display:inline-block;margin-bottom:14px}footer img{height:34px}.copy{border-top:1px solid #23406b;margin-top:40px;padding-top:20px;font-size:13px}
.form label{display:block;font-size:13px;font-weight:700;margin:14px 0 6px}.form .in{border:1px solid #cfd6e1;border-radius:8px;height:46px;background:#fff;padding:12px;color:#99a3b3;font-size:14px}.form .ta{height:110px}
.portal{background:linear-gradient(135deg,#102a4d,#1c3d6e);color:#fff;border-radius:18px;padding:44px;display:grid;grid-template-columns:1fr 1.25fr;gap:40px;align-items:center}.portal p{color:#c9d3e3}
.mock{background:#fff;border-radius:12px;padding:22px;color:var(--ink)}.mock .row{display:flex;justify-content:space-between;border-bottom:1px solid var(--line);padding:10px 0;font-size:14px}.pill{font-size:11px;font-weight:700;padding:3px 9px;border-radius:12px;background:#e7f3ec;color:#1d7a46}.pill.y{background:#fbf3e1;color:#8a6414}.pill.b{background:#e6eefb;color:#2856a3}
table{width:100%;border-collapse:collapse;background:#fff;border-radius:12px;overflow:hidden}th,td{padding:16px 18px;text-align:left;border-bottom:1px solid var(--line);font-size:15px}th{background:var(--navy);color:#fff;font-size:13px;letter-spacing:1px;text-transform:uppercase}
.note{font-size:13px;color:var(--mut);margin-top:18px}

.prog{display:flex;gap:6px;margin:6px 0 4px}.prog i{flex:1;height:8px;border-radius:4px;background:#e3e7ee}.prog i.d{background:var(--gold)}
.stepcard{max-width:860px;margin:0 auto 34px}.stepmeta{display:flex;justify-content:space-between;font-size:13px;color:var(--mut);font-weight:700;margin-bottom:6px}
.f2{display:grid;grid-template-columns:1fr 1fr;gap:0 18px}.f3{display:grid;grid-template-columns:2fr 1fr 1fr;gap:0 18px}
.opts{display:flex;gap:10px;flex-wrap:wrap}.opt{border:1px solid #cfd6e1;border-radius:8px;padding:10px 16px;font-size:14px;color:var(--ink)}.opt.sel{border-color:var(--gold);background:#fbf3e1;font-weight:700}
.navrow{display:flex;justify-content:space-between;margin-top:24px}.legal{font-size:12px;color:var(--mut);background:var(--bg);border-radius:8px;padding:14px;max-height:none}
.drop{border:2px dashed #cfd6e1;border-radius:10px;padding:16px;text-align:center;color:var(--mut);font-size:14px}
.draft{background:#fff4d6;border:1px solid var(--gold);color:#7a5600;border-radius:10px;padding:14px 18px;font-weight:600;margin-bottom:30px;max-width:860px;margin-left:auto;margin-right:auto}
.ai{display:inline-block;background:#e6eefb;color:#2856a3;font-weight:800;font-size:12px;padding:5px 10px;border-radius:20px;letter-spacing:1px}

/* App additions */
.form input,.form select,.form textarea{border:1px solid #cfd6e1;border-radius:8px;height:46px;background:#fff;padding:12px;color:var(--ink);font-size:14px;width:100%;font-family:inherit}
.form textarea{height:110px;resize:vertical}
.form .err{color:#b42318;font-size:13px;margin-top:8px}
.opt input{display:none}.opt{cursor:pointer;user-select:none}
.opt:has(input:checked),.opt.sel{border-color:var(--gold);background:#fbf3e1;font-weight:700}
.drop input[type=file]{width:100%}
.app-shell{display:grid;grid-template-columns:220px 1fr;min-height:100vh;background:#f3f5f9}
.app-side{background:var(--navy);color:#b9c6da;padding:22px 16px}
.app-side img{height:32px;background:#fff;border-radius:6px;padding:4px 8px;margin-bottom:18px}
.app-side .brand{font-size:11px;letter-spacing:1px;margin:0 0 14px 4px;color:#e6b955;font-weight:800}
.app-side a{display:block;padding:10px 12px;border-radius:8px;margin-bottom:4px;font-weight:600;color:#b9c6da}
.app-side a.on,.app-side a:hover{background:#1d3a66;color:#fff}
.app-side a.on{border-left:3px solid var(--gold)}
.app-main{padding:26px 30px}
.app-bar{display:flex;justify-content:space-between;align-items:center;margin-bottom:22px}
.app-bar h1{font-size:24px;margin:0}
.kpi{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px}
.kpi span{font-size:12px;color:var(--mut);text-transform:uppercase;letter-spacing:1px;font-weight:700}
.kpi b{display:block;font-size:28px;color:var(--navy);margin-top:6px}
.pill{display:inline-block;font-size:11px;font-weight:800;padding:3px 9px;border-radius:12px}
.pill.gr{background:#e7f3ec;color:#1d7a46}.pill.ye{background:#fbf3e1;color:#8a6414}
.pill.bl{background:#e6eefb;color:#2856a3}.pill.rd{background:#fde8e8;color:#b42318}
.pill.gy{background:#eef0f4;color:#4b5565}.pill.pu{background:#efe9fb;color:#5b3aa8}
.flash{background:#e7f3ec;border:1px solid #1d7a46;color:#1d7a46;padding:12px 16px;border-radius:8px;margin-bottom:18px}
.flash.warn{background:#fff4d6;border-color:var(--gold);color:#7a5600}
.flash.err{background:#fde8e8;border-color:#b42318;color:#b42318}
.msg{max-width:80%;padding:10px 14px;border-radius:12px;margin:8px 0;background:var(--bg)}
.msg.me{background:#e6eefb;margin-left:auto}
.login-box{max-width:420px;margin:80px auto;background:#fff;border:1px solid var(--line);border-radius:14px;padding:36px;box-shadow:0 6px 24px rgba(11,31,58,.06)}
@media(max-width:900px){.app-shell{grid-template-columns:1fr}.app-side{display:none}.g2,.g3,.g4,.f2,.f3{grid-template-columns:1fr}.hero h1{font-size:36px}}