:root {
  --navy: #1d2b50;
  --navy-deep: #0c1d35;
  --red: #bd392b;
  --red-dark: #a62e23;
  --ink: #0c1d35;
  --muted: #586b86;
  --line: #dfe3ec;
  --surface: #f5f6f8;
  --white: #fff;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 24px; }
body { margin: 0; color: var(--ink); background: var(--white); font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", "Malgun Gothic", "Apple SD Gothic Neo", sans-serif; font-size: 16px; line-height: 1.65; word-break: keep-all; overflow-wrap: anywhere; }
a { color: inherit; text-decoration: none; }
button, input { font: inherit; }
button, summary, a, input { -webkit-tap-highlight-color: transparent; }
button, summary { touch-action: manipulation; }
h1, h2, h3, p, ul, ol, dl { margin: 0; }
ul, ol { padding: 0; list-style: none; }
svg { flex-shrink: 0; vertical-align: middle; }
.icon { display: inline-block; }
:focus-visible { outline: 3px solid #326bb4; outline-offset: 4px; }
.container { width: min(1280px, calc(100% - 60px)); margin-inline: auto; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip-path: inset(50%); white-space: nowrap; border: 0; }
.skip-link { position: fixed; top: -100px; left: 16px; z-index: 20; padding: 12px 20px; background: var(--navy); color: white; }
.skip-link:focus { top: 12px; }

.site-header { background: white; border-bottom: 1px solid #e8ecf0; }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 56px; position: relative; }
.brand { display: inline-flex; align-items: center; gap: 12px; color: var(--navy); font-size: 16px; font-weight: 800; line-height: 1.35; letter-spacing: -.6px; }
.brand small { display: block; margin-top: 4px; color: var(--muted); font-size: 11px; font-weight: 400; letter-spacing: .3px; }
.brand-mark { display: grid; place-items: center; width: 42px; height: 44px; border-radius: 12px 12px 17px 17px; background: var(--navy); color: white; flex-shrink: 0; }
.brand-mark .icon { width: 27px; height: 27px; }
.header-contact { position: absolute; left: 50%; transform: translateX(-50%); display: flex; align-items: center; gap: 8px; color: var(--navy); font-size: 13px; }
.header-contact .icon { width: 18px; height: 18px; }
.header-cta { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 44px; padding: 9px 17px; border: 0; border-radius: 24px; color: white; background: var(--navy); font-size: 12px; font-weight: 700; }
.header-cta .icon { width: 17px; height: 17px; }
.preview-banner { background: var(--navy); color: #e0e7f0; font-size: 12px; }
.preview-banner .container { display: flex; align-items: center; justify-content: center; gap: 12px; min-height: 36px; }
.preview-banner strong { color: white; font-weight: 600; }
.status-dot { width: 5px; height: 5px; border-radius: 50%; background: #eea29c; }

.hero { background: var(--surface); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.28fr) minmax(0, 1fr); gap: 56px; align-items: start; padding-block: 56px 48px; }
.hero-copy { padding-top: 8px; min-width: 0; }
.eyebrow { display: inline-block; padding: 6px 12px; color: white; background: var(--navy); font-size: 12px; font-weight: 700; }
h1 { margin-top: 16px; font-size: clamp(36px, 3.8vw, 48px); font-weight: 800; line-height: 1.3; letter-spacing: -2.2px; }
h1 em { color: var(--red); font-style: normal; }
.hero-description { margin-top: 20px; color: var(--muted); font-size: 14px; line-height: 1.95; letter-spacing: -.4px; }
.hero-highlights { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); margin-top: 28px; border: 1px solid var(--line); background: white; }
.hero-highlights li { min-width: 0; padding: 16px 19px; }
.hero-highlights li + li { border-left: 1px solid var(--line); }
.hero-highlights span, .hero-highlights small { display: block; color: var(--muted); font-size: 12px; }
.hero-highlights strong { display: block; margin-block: 6px; font-size: 23px; line-height: 1.4; letter-spacing: -.8px; }
.hero-highlights em { color: var(--red); font-style: normal; }
.hero-highlights small { font-size: 11px; }
.button { display: inline-flex; align-items: center; justify-content: center; gap: 12px; min-height: 56px; padding: 14px 24px; border: 0; border-radius: 0; font-size: 16px; font-weight: 700; line-height: 1.5; }
.button .icon { width: 20px; height: 20px; }
.button-primary { color: white; background: var(--red); }
.button-primary:hover { background: var(--red-dark); }
.hero-actions { display: flex; flex-wrap: wrap; align-items: stretch; gap: 12px; margin-top: 26px; }
.hero-cta { min-width: 220px; }
.cta-disclaimer { margin-top: 9px; font-size: 12px; color: var(--muted); }
.hero-contact { display: flex; align-items: center; justify-content: center; gap: 8px; min-height: 56px; padding: 12px 18px; border: 1px solid var(--line); background: white; color: var(--navy); font-size: 13px; }
.hero-contact > .icon { width: 19px; height: 19px; }
.hero-progress { display: flex; justify-content: space-between; gap: 10px; margin-top: 24px; color: var(--navy); font-size: 12px; }
.hero-progress li { display: flex; align-items: center; gap: 7px; }
.hero-progress li:not(:last-child)::after { content: '›'; margin-left: 12px; color: #91a0b4; }
.hero-progress span { display: grid; place-items: center; width: 20px; height: 20px; flex-shrink: 0; border-radius: 50%; background: var(--navy); color: white; font-size: 11px; }

.application-card { padding: 28px 28px 20px; background: white; border: 1px solid var(--line); border-radius: 0; box-shadow: 0 18px 36px #1d2b5007; scroll-margin-top: 16px; min-width: 0; }
.section-kicker { color: var(--red); font-size: 12px; font-weight: 800; letter-spacing: 1px; }
.pending-badge { float: right; margin: 3px 0 0 8px; color: var(--muted); font-size: 11px; font-weight: 400; }
.form-heading h2 { font-size: 22px; line-height: 1.4; letter-spacing: -.8px; }
.form-heading > p { margin-top: 8px; color: var(--muted); font-size: 13px; line-height: 1.65; }
.form-notice { display: flex; align-items: flex-start; gap: 7px; margin-top: 10px; color: #8d453d; font-size: 11px; line-height: 1.7; }
.form-notice .icon { width: 16px; height: 16px; margin-top: 2px; }
.form-notice strong { font-weight: 600; }
.required-note { margin: 8px 0 6px; color: var(--muted); font-size: 10px; text-align: right; }
.required-note span, .required { color: var(--red); }
.field { min-width: 0; margin-bottom: 16px; }
.field label { display: block; margin-bottom: 4px; font-size: 12px; font-weight: 400; }
.required { margin-left: 3px; }
.optional { margin-left: 5px; color: var(--muted); font-size: 11px; font-weight: 400; }
.field input { width: 100%; min-width: 0; min-height: 48px; padding: 10px 0; border: 0; border-bottom: 1px solid #ccd4df; border-radius: 0 0 7px 7px; background: #fff; color: var(--ink); font-size: 16px; line-height: 1.5; }
.field input::placeholder { color: #697c96; font-size: 14px; }
.field input:hover { border-color: #9caabb; }
.field input:focus { border-color: var(--navy); }
.field input[aria-invalid="true"] { border-color: var(--red); background: #fffbfb; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.field-hint { margin-top: 5px; font-size: 11px; color: var(--muted); }
.field-error { color: #a62331; font-size: 12px; }
.field-error:not(:empty) { padding-top: 5px; }
.consent-group { min-width: 0; margin: 12px 0 16px; padding: 0; border: 0; }
.consent-group legend { padding: 0; font-size: 13px; font-weight: 700; }
.consent-purpose { margin: 6px 0 9px; color: var(--muted); font-size: 11px; line-height: 1.65; }
.consent-item { position: relative; }
.checkbox-label { display: flex; align-items: center; gap: 8px; min-height: 46px; padding-right: 69px; font-size: 12px; cursor: pointer; }
.checkbox-label input { width: 19px; height: 19px; flex-shrink: 0; margin: 0; accent-color: var(--navy); cursor: pointer; }
.consent-detail > summary { position: absolute; top: 0; right: 0; display: flex; align-items: center; justify-content: flex-end; min-height: 46px; min-width: 63px; color: var(--muted); text-decoration: underline; text-underline-offset: 3px; list-style: none; font-size: 11px; cursor: pointer; }
.consent-detail > div { margin-bottom: 12px; padding: 13px; border-radius: 4px; background: var(--surface); font-size: 12px; }
.consent-detail > div strong { color: var(--red); }
.consent-detail > div p { margin-top: 5px; }
.consent-preview-note { padding-top: 5px; color: var(--muted); font-size: 11px; }
.submit-button { width: 100%; min-height: 56px; color: #fff; background: #e8afa9; cursor: not-allowed; opacity: 1; }
.submission-note { padding-block: 12px 4px; text-align: center; color: var(--muted); font-size: 11px; line-height: 1.75; }
.form-footnote { display: flex; justify-content: center; align-items: center; gap: 7px; padding-top: 4px; color: var(--muted); font-size: 11px; }
.form-footnote .icon { width: 14px; height: 14px; }
.no-script { margin-bottom: 14px; font-size: 12px; color: var(--red); }

.section { padding-block: 64px; scroll-margin-top: 20px; }
.section-heading { margin-bottom: 36px; }
.section-heading h2 { color: var(--ink); font-size: 28px; font-weight: 800; line-height: 1.4; letter-spacing: -1.1px; }
.section-heading > p:last-child { margin-top: 12px; color: var(--muted); font-size: 15px; }
.coverage-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); border: 1px solid var(--line); }
.coverage-card { padding: 28px; background: white; }
.coverage-card + .coverage-card { border-left: 1px solid var(--line); }
.coverage-card-top { display: flex; align-items: center; justify-content: space-between; }
.coverage-icon { display: grid; place-items: center; width: 52px; height: 52px; border-radius: 10px; background: #edf1f6; color: var(--navy); }
.coverage-icon .icon { width: 29px; height: 29px; }
.card-number { color: #a4afbd; font-size: 13px; font-weight: 600; }
.coverage-card h3 { font-size: 13px; font-weight: 600; color: var(--muted); }
.coverage-card > p { margin-top: 9px; color: var(--muted); font-size: 13px; line-height: 1.8; }
.coverage-card > .coverage-status { margin-top: 10px; color: var(--ink); font-size: 25px; font-weight: 800; line-height: 1.4; letter-spacing: -1px; }
.coverage-status em { color: var(--red); font-style: normal; }
.coverage-card ul { display: grid; gap: 8px; margin-top: 18px; }
.coverage-card li { display: flex; align-items: flex-start; gap: 8px; font-size: 13px; }
.coverage-card li .icon { width: 17px; height: 17px; margin-top: 3px; color: #667b94; }
.pending-label { display: inline-block; margin-top: 16px; color: var(--muted); font-size: 11px; }
.section-note { display: flex; gap: 8px; margin-top: 22px; color: var(--muted); font-size: 12px; line-height: 1.8; }
.section-note .icon { width: 16px; height: 16px; margin-top: 3px; }
.comparison-section { background: var(--surface); }
.comparison-wrap { border: 1px solid var(--line); overflow: hidden; background: white; }
table { width: 100%; table-layout: fixed; border-collapse: collapse; font-size: 14px; }
.comparison-label-col { width: 22%; }
th, td { padding: 23px 25px; text-align: left; border-bottom: 1px solid var(--line); }
th + th, td { border-left: 1px solid var(--line); }
thead th { background: white; color: var(--muted); font-size: 15px; }
thead th:last-child { color: var(--navy); background: #f0f3f8; }
thead th span { display: block; margin-top: 4px; color: var(--muted); font-size: 11px; font-weight: 400; }
tbody th { color: var(--navy); font-size: 13px; }
tbody td { color: var(--muted); }
tbody td:last-child { color: var(--navy); background: #f0f3f8; font-weight: 600; }
tbody tr:last-child > * { border-bottom: 0; }
.mobile-break { display: none; }
.steps { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 26px; }
.steps li { position: relative; }
.steps li:not(:last-child)::after { content: ""; position: absolute; top: 24px; left: 69px; right: 0; height: 1px; background: var(--line); }
.step-number { display: grid; place-items: center; width: 48px; height: 48px; border: 1px solid #ccd6e2; border-radius: 50%; color: var(--navy); background: #f6f8fa; font-size: 15px; font-weight: 700; }
.steps li:first-child .step-number { color: white; background: var(--navy); border-color: var(--navy); }
.steps h3 { margin-top: 23px; font-size: 16px; letter-spacing: -.5px; }
.steps p { margin-top: 9px; color: var(--muted); font-size: 13px; line-height: 1.8; }
.process-note { margin-top: 34px; padding: 15px 20px; background: var(--surface); color: var(--muted); border-radius: 5px; font-size: 12px; }
.faq-section { background: #f8f9fb; border-top: 1px solid #e9edf2; }
.faq-layout { display: block; }
.faq-list { border: 1px solid var(--line); background: white; }
.faq-item + .faq-item { border-top: 1px solid var(--line); }
.faq-item summary { display: flex; align-items: center; gap: 13px; min-height: 62px; padding: 18px 24px; cursor: pointer; list-style: none; font-size: 15px; font-weight: 600; }
summary::-webkit-details-marker { display: none; }
.question-mark { color: var(--red); font-size: 17px; font-weight: 700; }
.faq-toggle { width: 7px; height: 7px; margin-left: auto; margin-right: 2px; flex-shrink: 0; border-right: 1px solid var(--muted); border-bottom: 1px solid var(--muted); transform: rotate(45deg); }
.faq-item[open] .faq-toggle { transform: rotate(225deg); }
.faq-answer { padding: 0 24px 22px; color: var(--muted); font-size: 13px; line-height: 1.9; }
.bottom-cta { padding-block: 44px; background: white; border-bottom: 1px solid var(--line); }
.bottom-cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 40px; }
.bottom-cta .section-kicker { color: #f0b3b3; }
.bottom-cta h2 { font-size: 25px; line-height: 1.5; letter-spacing: -1px; }
.bottom-cta h2 br { display: none; }
.bottom-cta-inner > div > p:last-child { margin-top: 10px; color: var(--muted); font-size: 13px; }
.bottom-action { min-width: 292px; text-align: center; }
.bottom-action .button { width: 100%; }
.bottom-action > p:last-child { font-size: 11px !important; }
.site-footer { padding-block: 36px 25px; background: var(--surface); color: var(--muted); }
.footer-top { display: flex; justify-content: space-between; align-items: flex-start; gap: 24px; }
.footer-brand { font-size: 16px; }
.footer-brand .brand-mark { width: 30px; height: 33px; border-radius: 7px 7px 11px 11px; }
.footer-brand .icon { width: 21px; height: 21px; }
.privacy-pending { max-width: 340px; }
.privacy-pending summary, .privacy-link { min-height: 44px; padding-block: 7px; color: var(--ink); font-size: 12px; cursor: pointer; }
.privacy-pending summary span { margin-left: 8px; color: var(--muted); font-size: 11px; }
.privacy-pending p { padding-block: 9px; font-size: 12px; }
.company-info { display: flex; flex-wrap: wrap; gap: 10px 26px; margin-top: 22px; font-size: 12px; }
.company-info > div { display: flex; gap: 9px; }
.company-info dt { font-weight: 700; color: #526074; }
.company-info dd { margin: 0; }
.footer-notices { display: grid; gap: 5px; margin-top: 22px; font-size: 11px; line-height: 1.8; }
.footer-notices h2 { margin-bottom: 10px; color: var(--ink); font-size: 15px; }
.footer-nav { display: flex; gap: 24px; margin-top: 20px; font-size: 12px; }
.footer-nav a { display: inline-flex; align-items: center; min-height: 44px; text-decoration: underline; text-underline-offset: 4px; }
.footer-bottom { margin-top: 28px; padding-top: 19px; border-top: 1px solid #e9edf2; color: var(--muted); font-size: 11px; }

@media (max-width: 1100px) {
  .hero-grid { gap: 32px; }
  h1 { font-size: 38px; }
  .hero-highlights li { padding: 14px 12px; }
  .hero-highlights strong { font-size: 21px; }
  .hero-actions { gap: 10px; }
  .hero-actions > * { flex: 1 1 190px; min-width: 0; }
  .hero-progress { font-size: 11px; gap: 6px; }
  .hero-progress li:not(:last-child)::after { margin-left: 2px; }
  .application-card { padding-inline: 22px; }
  .form-heading h2 { font-size: 20px; }
  .coverage-card { padding: 24px; }
}

@media (max-width: 900px) {
  .container { width: min(680px, calc(100% - 40px)); }
  .header-contact { display: none; }
  .hero-grid { grid-template-columns: 1fr; gap: 28px; padding-block: 32px 40px; }
  .hero-copy { padding: 0; }
  h1 { font-size: 42px; }
  .hero-highlights li { padding: 16px; }
  .hero-highlights strong { font-size: 23px; }
  .hero-actions > * { flex: 1; }
  .hero-progress { font-size: 12px; }
  .application-card { width: 100%; padding: 26px; }
  .form-heading h2 { font-size: 22px; }
  .section { padding-block: 52px; }
  .section-heading h2 { font-size: 26px; }
  .coverage-card { padding: 20px; }
  .coverage-card > .coverage-status { font-size: 22px; }
  .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 30px; }
  .steps li:nth-child(2)::after { display: none; }
  .bottom-action { min-width: 260px; }
}

@media (max-width: 600px) {
  .container { width: calc(100% - 32px); }
  .header-inner { min-height: 56px; gap: 10px; }
  .brand { font-size: 14px; }
  .brand small { font-size: 10px; letter-spacing: -.2px; }
  .header-cta { min-height: 44px; padding: 9px 12px; font-size: 11px; }
  .header-cta .icon { display: none; }
  .hero-grid { gap: 24px; padding-block: 30px 32px; }
  .eyebrow { padding: 6px 11px; font-size: 11px; }
  h1 { margin-top: 15px; font-size: clamp(27px, 7.8vw, 32px); line-height: 1.28; letter-spacing: -1.5px; }
  .hero-highlights { margin-top: 24px; }
  .hero-highlights li { padding: 13px 11px; }
  .hero-highlights span { font-size: 11px; }
  .hero-highlights strong { margin-block: 6px 2px; font-size: 19px; letter-spacing: -.9px; }
  .hero-highlights small { display: none; }
  .hero-description { margin-top: 18px; font-size: 12px; line-height: 1.9; }
  .hero-actions { flex-direction: column; gap: 12px; margin-top: 23px; }
  .hero-actions > * { flex: auto; }
  .hero-cta { width: 100%; min-width: 0; min-height: 54px; padding-inline: 12px; font-size: 16px; }
  .hero-contact { min-height: 50px; font-size: 13px; }
  .cta-disclaimer { margin-top: 10px; font-size: 11px; }
  .hero-progress { margin-top: 22px; gap: 5px; font-size: 10px; }
  .hero-progress li { gap: 4px; }
  .hero-progress span { width: 16px; height: 16px; font-size: 9px; }
  .hero-progress li:not(:last-child)::after { margin-left: 3px; }
  .application-card { padding: 22px 19px 20px; }
  .form-heading h2 { font-size: 21px; }
  .form-heading > p { font-size: 12px; }
  .pending-badge { font-size: 10px; }
  .form-notice { font-size: 11px; }
  .field { margin-bottom: 17px; }
  .field input { min-height: 49px; padding-inline: 0; }
  .field input::placeholder { font-size: 14px; }
  .field-row { gap: 14px; }
  .checkbox-label { gap: 8px; padding-right: 58px; font-size: 11px; }
  .consent-detail > summary { min-width: 52px; font-size: 11px; }
  .consent-group legend { font-size: 12px; }
  .consent-group .optional { font-size: 10px; }
  .submit-button { font-size: 16px; }
  .form-footnote { font-size: 10px; }
  .section { padding-block: 44px; }
  .section > .container { width: calc(100% - 24px); }
  .section-heading { margin-bottom: 30px; }
  .section-heading h2 { font-size: 22px; letter-spacing: -1px; }
  .section-heading > p:last-child { margin-top: 15px; font-size: 13px; line-height: 1.9; }
  .coverage-grid { grid-template-columns: 1fr; }
  .coverage-card { padding: 25px 24px; }
  .coverage-card + .coverage-card { border-left: 0; border-top: 1px solid var(--line); }
  .coverage-card h3 { font-size: 12px; }
  .coverage-card > .coverage-status { font-size: 25px; }
  .coverage-card > p { font-size: 12px; }
  .coverage-card ul { gap: 6px; margin-top: 12px; }
  .coverage-card li { font-size: 12px; }
  .pending-label { margin-top: 12px; }
  .section-note { font-size: 11px; }
  .comparison-label-col { width: 24%; }
  th, td { padding: 15px 12px; font-size: 12px; line-height: 1.85; }
  thead th, tbody th { font-size: 11px; }
  thead th span { font-size: 10px; }
  .steps { grid-template-columns: 1fr; gap: 25px; }
  .steps li { display: flex; gap: 17px; }
  .steps li:not(:last-child)::after { display: block; top: 54px; left: 22px; right: auto; bottom: -17px; width: 1px; height: auto; }
  .step-number { width: 44px; height: 44px; flex-shrink: 0; font-size: 13px; }
  .steps h3 { margin-top: 1px; font-size: 15px; }
  .steps p { margin-top: 5px; font-size: 12px; }
  .process-note { margin-top: 27px; padding: 13px 16px; font-size: 11px; }
  .faq-item summary { min-height: 56px; padding: 16px 18px; font-size: 13px; gap: 10px; }
  .faq-answer { padding: 0 18px 18px; font-size: 12px; }
  .bottom-cta { padding-block: 30px; }
  .bottom-cta-inner { flex-direction: column; align-items: flex-start; gap: 20px; }
  .bottom-cta h2 { font-size: 22px; }
  .bottom-cta-inner > div > p:last-child { font-size: 12px; }
  .bottom-action { width: 100%; min-width: 0; }
  .bottom-action .button { font-size: 16px; }
  .site-footer { padding-block: 30px 22px; }
  .footer-top { flex-direction: column; gap: 12px; }
  .company-info { display: grid; gap: 7px; margin-top: 12px; font-size: 11px; }
  .company-info dt { min-width: 70px; }
  .footer-notices { font-size: 11px; gap: 10px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}