:root {
  --ink: #0f1d33;
  --muted: #5b6878;
  --line: #dde3ea;
  --soft: #f4f7fa;
  --bg: #ffffff;
  --brand: #004496;
  --brand-2: #0b5cc0;
  --accent: #e6eef9;
  --ok: #1d7a4c;
  --warn: #a4471b;
  --radius: 10px;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--soft); color: var(--ink); font: 16px/1.5 "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif; }
a { color: var(--brand-2); }
header.top { background: var(--bg); border-bottom: 1px solid var(--line); }
header.top .wrap { display: flex; align-items: center; justify-content: space-between; padding: 14px 16px; }
.brand { display: flex; align-items: center; gap: 14px; text-decoration: none; color: var(--brand); font-weight: 700; font-size: 15px; letter-spacing: .1px; line-height: 1.25; }
.brand img { height: 32px; width: auto; display: block; }
.brand span { border-left: 1px solid var(--line); padding-left: 14px; }
.brand small { display: block; font-weight: 500; color: var(--muted); font-size: 12px; letter-spacing: 0; }
header.top { border-top: 4px solid var(--brand); }
@media (max-width: 480px) { .brand img { height: 26px; } .brand { gap: 10px; font-size: 13px; } .brand span { padding-left: 10px; } }
.hero { display: grid; grid-template-columns: 1.1fr .9fr; background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; margin-bottom: 20px; }
.hero .copy { padding: 28px 26px; display: flex; flex-direction: column; justify-content: center; }
.hero .eyebrow { font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--brand-2); margin-bottom: 8px; }
.hero h1 { color: var(--brand); }
.hero p.lead { margin: 0; }
.hero ul { margin: 14px 0 0; padding: 0; list-style: none; font-size: 14px; color: var(--ink); }
.hero li { padding-left: 22px; position: relative; margin: 5px 0; }
.hero li::before { content: ''; position: absolute; left: 2px; top: 7px; width: 10px; height: 6px; border-left: 2px solid var(--brand-2); border-bottom: 2px solid var(--brand-2); transform: rotate(-45deg); }
.hero .callus { display: block; margin-top: 16px; padding: 12px 14px; background: var(--accent); border-left: 4px solid var(--brand-2); border-radius: 6px; color: var(--ink); text-decoration: none; font-size: 15px; line-height: 1.4; }
.hero .callus strong { color: var(--brand); white-space: nowrap; }
.hero .callus:hover strong { text-decoration: underline; }
.hero .pic { min-height: 280px; background: #1d2633; }
.hero .pic img { width: 100%; height: 100%; object-fit: cover; object-position: 60% 30%; display: block; }
@media (max-width: 700px) { .hero { grid-template-columns: 1fr; } .hero .pic { order: -1; min-height: 0; height: 210px; } .hero .copy { padding: 20px 18px; } }
.wrap { max-width: 860px; margin: 0 auto; padding: 0 16px; }
main.wrap { padding: 24px 16px 80px; }
h1 { font-size: 26px; line-height: 1.25; margin: 0 0 6px; }
h2 { font-size: 21px; margin: 0 0 4px; }
h3 { font-size: 16px; margin: 22px 0 8px; }
p.lead { color: var(--muted); margin: 0 0 18px; }
.card { background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; margin-bottom: 16px; }
.grid { display: grid; gap: 14px; grid-template-columns: repeat(12, 1fr); }
.c12 { grid-column: span 12; } .c8 { grid-column: span 8; } .c6 { grid-column: span 6; } .c4 { grid-column: span 4; } .c3 { grid-column: span 3; } .c2 { grid-column: span 2; }
@media (max-width: 640px) { .c8, .c6, .c4, .c3 { grid-column: span 12; } .c2 { grid-column: span 6; } .card { padding: 16px; } h1 { font-size: 22px; } }
label { display: block; font-size: 14px; font-weight: 600; margin-bottom: 5px; }
label .opt { font-weight: 400; color: var(--muted); }
.hint { font-size: 13px; color: var(--muted); margin-top: 4px; }
input[type=text], input[type=email], input[type=tel], input[type=date], input[type=number], select, textarea {
  width: 100%; padding: 10px 12px; border: 1px solid #c9d2dc; border-radius: 8px; font: inherit; background: #fff; color: var(--ink);
}
textarea { min-height: 110px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: 2px solid #9cc3ea; border-color: var(--brand-2); }
.invalid { border-color: #c2410c !important; background: #fff8f4 !important; }
.err { color: var(--warn); font-size: 13px; margin-top: 4px; }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 11px 18px; border-radius: 8px; border: 1px solid var(--brand); background: var(--brand); color: #fff; font: inherit; font-weight: 600; cursor: pointer; text-decoration: none; }
.btn:hover { background: var(--brand-2); }
.btn.ghost { background: #fff; color: var(--brand); }
.btn.ghost:hover { background: var(--accent); }
.btn.small { padding: 7px 12px; font-size: 14px; }
.btn:disabled { opacity: .55; cursor: default; }
.link { background: none; border: 0; color: var(--brand-2); font: inherit; cursor: pointer; padding: 0; text-decoration: underline; }
.navrow { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-top: 8px; }
.progress { margin: 0 0 18px; }
.progress .bar { height: 6px; background: var(--line); border-radius: 99px; overflow: hidden; }
.progress .bar i { display: block; height: 100%; background: var(--brand-2); transition: width .25s; }
.progress .meta { display: flex; justify-content: space-between; font-size: 13px; color: var(--muted); margin-top: 6px; }
.seg { display: inline-flex; border: 1px solid #c9d2dc; border-radius: 8px; overflow: hidden; }
.seg button { border: 0; background: #fff; padding: 8px 16px; font: inherit; cursor: pointer; color: var(--ink); min-width: 56px; }
.seg button + button { border-left: 1px solid #c9d2dc; }
.seg button.on { background: var(--brand); color: #fff; }
.q { padding: 14px 0; border-top: 1px solid var(--line); }
.q:first-child { border-top: 0; padding-top: 0; }
.q .row { display: flex; justify-content: space-between; align-items: flex-start; gap: 16px; }
.q .txt { font-weight: 500; }
.q .more { margin-top: 10px; }
.rep { border: 1px solid var(--line); border-radius: 8px; padding: 14px; margin-bottom: 12px; background: #fbfcfd; }
.rep .head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 10px; font-weight: 600; }
.chips { display: grid; grid-template-columns: repeat(auto-fill, minmax(62px, 1fr)); gap: 6px; }
.chips label { margin: 0; font-weight: 500; display: flex; align-items: center; justify-content: center; gap: 4px; padding: 6px 4px; border: 1px solid #c9d2dc; border-radius: 6px; cursor: pointer; font-size: 14px; background: #fff; }
.chips input { display: none; }
.chips label.on { background: var(--brand); color: #fff; border-color: var(--brand); }
.check { display: flex; gap: 10px; align-items: flex-start; font-weight: 500; }
.check input { margin-top: 4px; width: 18px; height: 18px; }
.notice { background: var(--accent); border-radius: 8px; padding: 12px 14px; font-size: 14px; color: #23415f; }
.legal { font-size: 12.5px; color: var(--muted); max-height: 180px; overflow: auto; border: 1px solid var(--line); border-radius: 8px; padding: 10px 12px; background: #fbfcfd; }
.review dl { display: grid; grid-template-columns: 200px 1fr; gap: 6px 14px; margin: 0; font-size: 14px; }
.review dt { color: var(--muted); }
.review dd { margin: 0; word-break: break-word; }
@media (max-width: 640px) { .review dl { grid-template-columns: 1fr; } .review dt { margin-top: 6px; } }
.done { text-align: center; padding: 40px 22px; }
.done .tick { width: 56px; height: 56px; border-radius: 50%; background: #e3f4ea; color: var(--ok); display: inline-flex; align-items: center; justify-content: center; font-size: 30px; margin-bottom: 12px; }
.files li { font-size: 14px; }
.saved { font-size: 12px; color: var(--muted); }
.hidden { display: none !important; }
table.mini { width: 100%; border-collapse: collapse; font-size: 14px; }
table.mini td, table.mini th { text-align: left; padding: 6px 8px; border-bottom: 1px solid var(--line); vertical-align: top; }
.q .seg { flex: none; }
.q .txt { flex: 1; min-width: 0; }
@media (max-width: 520px) { .q .row { flex-direction: column; gap: 10px; } }