* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: #16202a;
  background: #ffffff;
  line-height: 1.6;
}

img {
  max-width: 100%;
  display: block;
}

a {
  color: #0f4c97;
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

.container {
  width: min(1120px, 92%);
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(10, 23, 45, 0.96);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(8px);
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 74px;
  gap: 20px;
}

.logo {
  font-size: 1.35rem;
  font-weight: 700;
  color: #ffffff;
  letter-spacing: 0.02em;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 18px;
}

.site-nav a {
  color: #e5ecf4;
  font-size: 0.95rem;
}

.nav-cta {
  padding: 10px 16px;
  background: #f0b63f;
  color: #0b1a33 !important;
  border-radius: 8px;
  font-weight: 700;
}

.nav-cta:hover {
  text-decoration: none;
  background: #e0a72f;
}

.menu-toggle {
  display: none;
  background: transparent;
  border: none;
  cursor: pointer;
  padding: 4px;
}

.menu-toggle span {
  display: block;
  width: 24px;
  height: 3px;
  background: #ffffff;
  margin: 5px 0;
  border-radius: 2px;
}

.hero-banner {
  position: relative;
  min-height: 620px;
  display: flex;
  align-items: center;
  overflow: hidden;
  color: #ffffff;
}

.hero-banner-bg {
  position: absolute;
  inset: 0;
  background-image: url("hero-image.png");
  background-size: cover;
  background-position: center right;
  transform: scale(1.02);
}

.hero-banner-overlay {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(8, 24, 51, 0.95) 0%, rgba(8, 24, 51, 0.88) 36%, rgba(8, 24, 51, 0.48) 58%, rgba(8, 24, 51, 0.10) 100%);
}

.hero-banner-content {
  position: relative;
  z-index: 2;
  width: 100%;
  padding: 72px 0;
}

.hero-copy-wide {
  max-width: 620px;
}

.hero-copy-wide h1 {
  margin: 0 0 18px;
  font-size: 3.25rem;
  line-height: 1.08;
  color: #ffffff;
}

.hero-text {
  font-size: 1.08rem;
  color: #e5edf8;
  max-width: 560px;
}

.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin: 28px 0 20px;
}

.hero-note {
  color: #d3ddeb;
  font-size: 0.98rem;
}

.section {
  padding: 72px 0;
}

.alt-bg {
  background: #f5f7fa;
}

.section-heading {
  max-width: 760px;
  margin-bottom: 30px;
}

.section-heading h2 {
  margin: 0 0 12px;
  font-size: 2rem;
  line-height: 1.2;
  color: #0e1b2b;
}

.section-heading p {
  margin: 0 0 10px;
  color: #475569;
}

.eyebrow {
  margin: 0 0 10px;
  font-size: 0.84rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #7fb2ff;
}

.content-grid.two-col {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 28px;
  align-items: start;
}

.card,
.form-card,
.notice-box,
.legal-card {
  background: #ffffff;
  border: 1px solid #dbe3ee;
  border-radius: 14px;
  box-shadow: 0 10px 26px rgba(10, 23, 45, 0.05);
}

.card {
  padding: 24px;
}

.card h3 {
  margin-top: 0;
  margin-bottom: 14px;
  font-size: 1.2rem;
  color: #10223d;
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.check-list {
  padding-left: 20px;
  margin: 0;
}

.levels-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.level-item {
  background: #ffffff;
  border: 1px solid #d8e2ef;
  border-radius: 12px;
  padding: 18px;
  font-weight: 700;
  text-align: center;
  color: #10223d;
}

.notice-box {
  padding: 30px;
  border-left: 6px solid #0f4c97;
}

.notice-box h2 {
  margin-top: 0;
  margin-bottom: 12px;
  color: #10223d;
}

.forms-split {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 34px;
  align-items: start;
}

.form-card {
  padding: 28px;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}

.form-grid.single-column {
  grid-template-columns: 1fr;
}

.form-group {
  display: flex;
  flex-direction: column;
}

.form-group label {
  margin-bottom: 8px;
  font-weight: 700;
  font-size: 0.95rem;
  color: #16202a;
}

.required {
  color: #c62828;
}

.required-note {
  margin: 0 0 18px;
  font-size: 0.95rem;
  color: #475569;
}

.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 13px 14px;
  border: 1px solid #cbd5e1;
  border-radius: 10px;
  font-size: 1rem;
  font-family: inherit;
  background: #ffffff;
  color: #16202a;
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  outline: 2px solid rgba(15, 76, 151, 0.14);
  border-color: #0f4c97;
}

.hidden-field {
  position: absolute;
  left: -5000px;
}

.full-button {
  width: 100%;
  margin-top: 8px;
}

.contact-grid,
.footer-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.btn {
  display: inline-block;
  padding: 13px 20px;
  border-radius: 10px;
  font-weight: 700;
  text-align: center;
  transition: 0.2s ease;
  border: none;
  cursor: pointer;
}

.btn:hover {
  text-decoration: none;
}

.btn-primary {
  background: #f0b63f;
  color: #0b1a33;
}

.btn-primary:hover {
  background: #e0a72f;
}

.btn-dark {
  background: #122b57;
  color: #ffffff;
}

.btn-dark:hover {
  background: #0d2142;
}

.site-footer {
  background: #0a172d;
  color: #edf2f7;
  padding: 40px 0;
}

.site-footer h3 {
  margin-top: 0;
  color: #ffffff;
}

.site-footer p,
.site-footer a {
  color: #d1d9e6;
}

.disclaimer {
  font-size: 0.95rem;
}

.footer-links {
  margin-top: 14px;
}

.footer-links a {
  font-weight: 600;
}

.legal-main {
  padding: 70px 0;
  background: #f5f7fa;
  min-height: calc(100vh - 140px);
}

.legal-wrap {
  max-width: 860px;
  margin: 0 auto;
}

.legal-card {
  padding: 32px;
}

.legal-card h1 {
  margin-top: 0;
  margin-bottom: 8px;
  color: #10223d;
  font-size: 2.2rem;
}

.legal-card h2 {
  margin-top: 28px;
  margin-bottom: 10px;
  color: #10223d;
  font-size: 1.25rem;
}

.legal-updated {
  color: #64748b;
  font-size: 0.95rem;
  margin-bottom: 24px;
}

@media (max-width: 900px) {
  .content-grid.two-col,
  .card-grid,
  .levels-grid,
  .forms-split,
  .contact-grid,
  .footer-grid,
  .form-grid {
    grid-template-columns: 1fr;
  }

  .hero-banner {
    min-height: 540px;
  }

  .hero-copy-wide h1 {
    font-size: 2.35rem;
  }

  .site-nav {
    position: absolute;
    top: 74px;
    left: 0;
    right: 0;
    background: #0a172d;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
    display: none;
    flex-direction: column;
    align-items: flex-start;
    padding: 18px 4%;
    gap: 14px;
  }

  .site-nav.open {
    display: flex;
  }

  .menu-toggle {
    display: block;
  }
}

@media (max-width: 560px) {
  .hero-banner {
    min-height: 500px;
  }

  .hero-banner-overlay {
    background:
      linear-gradient(180deg, rgba(8, 24, 51, 0.82) 0%, rgba(8, 24, 51, 0.72) 100%);
  }

  .hero-copy-wide h1 {
    font-size: 1.95rem;
  }

  .section,
  .legal-main {
    padding: 56px 0;
  }

  .section-heading h2,
  .legal-card h1 {
    font-size: 1.7rem;
  }

  .btn {
    width: 100%;
  }
}