/* ============================================================
   CSS Variables
   ============================================================ */
:root {
  --navy:       #1B3A6B;
  --navy-dark:  #0f2445;
  --gold:       #C9A227;
  --gold-light: #e0b83a;
  --bg:         #F7F9FB;
  --bg-alt:     #EDF0F5;
  --white:      #FFFFFF;
  --ink:        #18243A;
  --text:       #2D3748;
  --muted:      #6B7A93;
  --border:     #DDE3ED;
  --green:      #16A34A;
  --red:        #DC2626;

  --r:    10px;
  --r-sm: 6px;
  --r-lg: 18px;

  --sh-sm: 0 1px 4px rgba(0,0,0,.07);
  --sh-md: 0 4px 16px rgba(0,0,0,.10);
  --sh-lg: 0 8px 32px rgba(0,0,0,.13);

  --ease: .24s ease;
  --wrap: 1200px;
}

/* ============================================================
   Reset
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  font-size: 16px;
  line-height: 1.65;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; font-family: inherit; border: none; background: none; }
input, textarea { font-family: inherit; }

/* ============================================================
   Layout helpers
   ============================================================ */
.container {
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 20px;
}
.section { padding: 80px 0; }
.section--alt { background: var(--bg-alt); }
.section--dark {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  color: var(--white);
}
.section--cta {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: var(--white);
}

/* Section header */
.sec-head {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 52px;
}
.sec-tag {
  display: inline-block;
  padding: 5px 14px;
  border-radius: 40px;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .09em;
  text-transform: uppercase;
  margin-bottom: 14px;
  background: rgba(27,58,107,.08);
  color: var(--navy);
  border: 1px solid rgba(27,58,107,.14);
}
.sec-tag--light {
  background: rgba(201,162,39,.18);
  color: var(--gold-light);
  border-color: rgba(201,162,39,.3);
}
.sec-title {
  font-size: clamp(1.7rem, 3.5vw, 2.4rem);
  font-weight: 800;
  color: var(--ink);
  line-height: 1.2;
  letter-spacing: -.02em;
  margin-bottom: 14px;
}
.section--dark .sec-title,
.section--cta .sec-title { color: var(--white); }
.sec-sub {
  font-size: 1.03rem;
  color: var(--muted);
  line-height: 1.7;
}

/* ============================================================
   Buttons
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 28px;
  border-radius: var(--r);
  font-size: 1rem;
  font-weight: 600;
  transition: all var(--ease);
  border: 2px solid transparent;
  white-space: nowrap;
}
.btn--gold {
  background: var(--gold);
  color: var(--ink);
}
.btn--gold:hover {
  background: var(--gold-light);
  transform: translateY(-1px);
  box-shadow: var(--sh-md);
}
.btn--outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,.55);
}
.btn--outline:hover {
  background: rgba(255,255,255,.1);
  border-color: var(--white);
}
.btn--lg { padding: 15px 36px; font-size: 1.05rem; border-radius: 12px; }
.btn--sm { padding: 8px 18px; font-size: .88rem; }
.btn--full { width: 100%; }

/* ============================================================
   Header
   ============================================================ */
.header {
  position: sticky;
  top: 0;
  z-index: 200;
  background: rgba(15,36,69,.97);
  backdrop-filter: blur(8px);
  box-shadow: 0 2px 14px rgba(0,0,0,.22);
}
.header__inner {
  display: flex;
  align-items: center;
  gap: 20px;
  height: 66px;
}
.header__logo {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--white);
  font-size: 1.1rem;
  font-weight: 700;
  flex-shrink: 0;
  letter-spacing: .01em;
}
.header__star { color: var(--gold); font-size: 1.3rem; }

/* Nav */
.nav { flex: 1; }
.nav__list { display: flex; gap: 2px; justify-content: center; flex-wrap: wrap; }
.nav__link {
  display: block;
  padding: 6px 11px;
  font-size: .88rem;
  font-weight: 500;
  color: rgba(255,255,255,.78);
  border-radius: var(--r-sm);
  transition: all var(--ease);
}
.nav__link:hover { color: var(--white); background: rgba(255,255,255,.1); }

/* Burger */
.burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
  margin-left: auto;
}
.burger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--ease);
}
.burger.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.burger.open span:nth-child(2) { opacity: 0; }
.burger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

/* ============================================================
   Hero
   ============================================================ */
.hero {
  position: relative;
  min-height: 88vh;
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, var(--navy-dark) 0%, #1e4080 60%, var(--navy) 100%);
  overflow: hidden;
  padding: 72px 0;
}
.hero__overlay {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 70% 55% at 75% 50%, rgba(201,162,39,.07) 0%, transparent 65%),
    url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.025'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}
.hero__content {
  position: relative;
  max-width: 680px;
  color: var(--white);
}
.hero__badge {
  display: inline-block;
  padding: 5px 14px;
  border-radius: 40px;
  background: rgba(201,162,39,.16);
  border: 1px solid rgba(201,162,39,.36);
  color: var(--gold-light);
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.hero__title {
  font-size: clamp(2.1rem, 5vw, 3.5rem);
  font-weight: 800;
  line-height: 1.13;
  letter-spacing: -.025em;
  margin-bottom: 20px;
}
.hero__sub {
  font-size: clamp(.98rem, 1.8vw, 1.18rem);
  color: rgba(255,255,255,.82);
  line-height: 1.72;
  margin-bottom: 36px;
}
.hero__sub strong { color: var(--gold-light); }

/* Stats row */
.hero__stats {
  display: flex;
  align-items: center;
  gap: 0;
  margin-bottom: 38px;
  flex-wrap: wrap;
  gap: 16px;
}
.hero__stat { display: flex; flex-direction: column; }
.hero__stat-val {
  font-size: clamp(1.5rem, 2.8vw, 2.1rem);
  font-weight: 800;
  color: var(--gold-light);
  line-height: 1;
  letter-spacing: -.02em;
}
.hero__stat-sign {
  font-size: 1rem;
  color: var(--gold);
  font-weight: 700;
  line-height: 1.2;
}
.hero__stat-label {
  font-size: .76rem;
  color: rgba(255,255,255,.52);
  margin-top: 3px;
}
.hero__stat-div {
  width: 1px;
  height: 48px;
  background: rgba(255,255,255,.18);
  flex-shrink: 0;
}
.hero__actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ============================================================
   Payments
   ============================================================ */
.pay-top {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 22px;
  margin-bottom: 36px;
}
.pay-top__card {
  background: var(--white);
  border-radius: var(--r-lg);
  padding: 28px 22px;
  text-align: center;
  box-shadow: var(--sh-md);
  position: relative;
  overflow: hidden;
  transition: transform var(--ease), box-shadow var(--ease);
}
.pay-top__card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--navy), var(--gold));
}
.pay-top__card:hover { transform: translateY(-4px); box-shadow: var(--sh-lg); }
.pay-top__icon { font-size: 2rem; margin-bottom: 10px; }
.pay-top__sum {
  font-size: clamp(1.35rem, 2.5vw, 1.85rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 8px;
  line-height: 1.15;
}
.pay-top__name {
  font-size: .9rem;
  color: var(--text);
  line-height: 1.4;
  margin-bottom: 12px;
}
.pay-top__src {
  display: inline-block;
  font-size: .72rem;
  color: var(--muted);
  background: var(--bg);
  padding: 2px 10px;
  border-radius: 20px;
}

/* Table of all payments */
.pay-table {
  border: 1px solid var(--border);
  border-radius: var(--r);
  overflow: hidden;
  background: var(--white);
  box-shadow: var(--sh-sm);
}
.pay-row {
  display: grid;
  grid-template-columns: 1fr auto auto;
  align-items: center;
  gap: 12px 20px;
  padding: 13px 20px;
  border-bottom: 1px solid var(--border);
  transition: background var(--ease);
}
.pay-row:last-child { border-bottom: none; }
.pay-row:hover { background: var(--bg); }
.pay-row__name { font-size: .91rem; color: var(--text); line-height: 1.4; }
.pay-row__sum { font-weight: 700; color: var(--navy); font-size: .97rem; white-space: nowrap; }
.pay-row__src { font-size: .7rem; color: var(--muted); background: var(--bg-alt); padding: 2px 8px; border-radius: 20px; white-space: nowrap; }

.pay-note {
  margin-top: 20px;
  padding: 14px 18px;
  background: var(--bg-alt);
  border-left: 4px solid var(--gold);
  border-radius: 0 var(--r-sm) var(--r-sm) 0;
  font-size: .83rem;
  color: var(--muted);
  line-height: 1.6;
}

/* ============================================================
   Benefits
   ============================================================ */
.ben-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 22px;
}
.ben-card {
  background: var(--white);
  border-radius: var(--r);
  padding: 26px 22px;
  border: 1px solid var(--border);
  box-shadow: var(--sh-sm);
  transition: box-shadow var(--ease), transform var(--ease);
}
.ben-card:hover { box-shadow: var(--sh-md); transform: translateY(-2px); }
.ben-card__icon { font-size: 1.9rem; margin-bottom: 12px; }
.ben-card__title { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 12px; }
.ben-card__list li {
  font-size: .88rem;
  color: var(--text);
  padding: 6px 0 6px 22px;
  border-bottom: 1px solid var(--border);
  line-height: 1.4;
  position: relative;
}
.ben-card__list li::before {
  content: '—';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}
.ben-card__list li:last-child { border-bottom: none; }

/* ============================================================
   Why
   ============================================================ */
.why-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 22px;
}
.why-item {
  background: var(--white);
  border-radius: var(--r);
  padding: 26px 22px;
  border: 1px solid var(--border);
  box-shadow: var(--sh-sm);
  transition: all var(--ease);
}
.why-item:hover { border-color: var(--gold); box-shadow: var(--sh-md); transform: translateY(-2px); }
.why-item__num {
  font-size: 2.8rem;
  font-weight: 900;
  color: var(--bg-alt);
  -webkit-text-stroke: 2px var(--border);
  line-height: 1;
  margin-bottom: 10px;
  letter-spacing: -.04em;
}
.why-item__title { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; line-height: 1.3; }
.why-item__text { font-size: .88rem; color: var(--muted); line-height: 1.65; }

/* ============================================================
   Patriotic
   ============================================================ */
.patr {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 60px;
  align-items: center;
}
.patr__title {
  font-size: clamp(1.7rem, 3.5vw, 2.5rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.2;
  letter-spacing: -.02em;
  margin-bottom: 22px;
  margin-top: 14px;
}
.patr__lead {
  font-size: 1.06rem;
  color: rgba(255,255,255,.9);
  font-weight: 500;
  line-height: 1.7;
  margin-bottom: 14px;
}
.patr__text {
  font-size: .96rem;
  color: rgba(255,255,255,.72);
  line-height: 1.75;
  margin-bottom: 26px;
}
.patr__quote {
  padding: 12px 20px;
  border-left: 4px solid var(--gold);
  background: rgba(255,255,255,.05);
  border-radius: 0 var(--r-sm) var(--r-sm) 0;
  font-style: italic;
  color: rgba(255,255,255,.82);
  font-size: .96rem;
  margin-bottom: 30px;
}
.patr__visual {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 20px;
}
.patr__star {
  font-size: 8rem;
  color: var(--gold);
  opacity: .28;
  line-height: 1;
  text-shadow: 0 0 80px rgba(201,162,39,.25);
}
.patr__values {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}
.patr__values span {
  font-size: 1.3rem;
  font-weight: 800;
  color: rgba(255,255,255,.14);
  letter-spacing: .18em;
  text-transform: uppercase;
}

/* ============================================================
   Requirements
   ============================================================ */
.req-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 22px;
  margin-bottom: 36px;
}
.req-card {
  background: var(--white);
  border-radius: var(--r);
  padding: 26px 22px;
  border: 1px solid var(--border);
  box-shadow: var(--sh-sm);
}
.req-card__head { display: flex; align-items: center; gap: 10px; margin-bottom: 16px; }
.req-card__icon {
  width: 30px; height: 30px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: .95rem; font-weight: 700; flex-shrink: 0;
}
.req-card__icon--yes { background: #dcfce7; color: #16a34a; }
.req-card__icon--no  { background: #fee2e2; color: #dc2626; }
.req-card__icon--spec { background: rgba(201,162,39,.15); color: #92700f; }
.req-card__title { font-size: 1rem; font-weight: 700; color: var(--ink); }
.req-card__list li {
  font-size: .88rem;
  color: var(--text);
  padding: 7px 0;
  border-bottom: 1px solid var(--border);
  line-height: 1.45;
}
.req-card__list li:last-child { border-bottom: none; }

.req-docs {
  background: var(--white);
  border-radius: var(--r);
  padding: 28px;
  border: 1px solid var(--border);
  box-shadow: var(--sh-sm);
}
.req-docs__title { font-size: 1.1rem; font-weight: 700; color: var(--navy); margin-bottom: 18px; }
.req-docs__grid {
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: 10px;
}
.req-doc {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  padding: 11px 13px;
  font-size: .85rem;
  color: var(--text);
  line-height: 1.4;
}

/* ============================================================
   Steps
   ============================================================ */
.steps {
  max-width: 780px;
  margin: 0 auto;
  position: relative;
}
.steps::before {
  content: '';
  position: absolute;
  left: 27px; top: 0; bottom: 0;
  width: 2px;
  background: linear-gradient(to bottom, var(--navy), var(--gold));
  border-radius: 2px;
}
.step {
  display: flex;
  gap: 24px;
  margin-bottom: 28px;
  position: relative;
}
.step:last-child { margin-bottom: 0; }
.step__num {
  flex-shrink: 0;
  width: 54px; height: 54px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-size: 1.15rem;
  font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  position: relative; z-index: 1;
  box-shadow: 0 0 0 4px var(--bg-alt);
  transition: background var(--ease);
}
.step:hover .step__num { background: var(--gold); color: var(--ink); }
.step__body {
  background: var(--white);
  border-radius: var(--r);
  padding: 18px 22px;
  flex: 1;
  border: 1px solid var(--border);
  box-shadow: var(--sh-sm);
  transition: box-shadow var(--ease);
}
.step:hover .step__body { box-shadow: var(--sh-md); }
.step__title { font-size: .98rem; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.step__text { font-size: .88rem; color: var(--muted); line-height: 1.65; }

/* ============================================================
   FAQ
   ============================================================ */
.faq {
  max-width: 780px;
  margin: 0 auto;
}
.faq__item { border-bottom: 1px solid var(--border); }
.faq__item:first-child { border-top: 1px solid var(--border); }
.faq__q {
  display: flex;
  justify-content: space-between;
  align-items: center;
  width: 100%;
  padding: 18px 4px;
  text-align: left;
  font-size: .98rem;
  font-weight: 600;
  color: var(--ink);
  gap: 14px;
  transition: color var(--ease);
}
.faq__q:hover, .faq__item.open .faq__q { color: var(--navy); }
.faq__arr {
  flex-shrink: 0;
  font-size: 1.15rem;
  color: var(--navy);
  transition: transform var(--ease);
}
.faq__item.open .faq__arr { transform: rotate(180deg); }
.faq__a {
  overflow: hidden;
  max-height: 0;
  transition: max-height .35s ease, padding .35s ease;
  padding: 0 4px;
}
.faq__item.open .faq__a { max-height: 400px; padding: 0 4px 18px; }
.faq__a p { font-size: .92rem; color: var(--muted); line-height: 1.72; }

/* ============================================================
   CTA / Form
   ============================================================ */
.cta {
  display: grid;
  grid-template-columns: 1fr 460px;
  gap: 56px;
  align-items: start;
}
.cta__title {
  font-size: clamp(1.7rem, 3.5vw, 2.4rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 14px;
}
.cta__sub { font-size: 1rem; color: rgba(255,255,255,.78); line-height: 1.72; margin-bottom: 26px; }
.cta__perks { display: flex; flex-direction: column; gap: 10px; }
.cta__perks li {
  font-size: .93rem;
  color: rgba(255,255,255,.83);
  padding-left: 20px;
  position: relative;
}
.cta__perks li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}
.cta__form-wrap {
  background: var(--white);
  border-radius: var(--r-lg);
  padding: 34px 30px;
  box-shadow: var(--sh-lg);
}
.cta__form-title {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 22px;
  text-align: center;
}

/* Form fields */
.f-group { margin-bottom: 14px; }
.f-label { display: block; font-size: .84rem; font-weight: 600; color: var(--ink); margin-bottom: 5px; }
.f-input {
  width: 100%;
  padding: 11px 13px;
  border: 1.5px solid var(--border);
  border-radius: var(--r-sm);
  font-size: .93rem;
  color: var(--ink);
  background: var(--bg);
  outline: none;
  transition: border-color var(--ease), box-shadow var(--ease), background var(--ease);
}
.f-input:focus { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(27,58,107,.1); background: var(--white); }
.f-input.err { border-color: var(--red); }
.f-textarea { min-height: 80px; resize: vertical; }
.f-err { display: block; font-size: .78rem; color: var(--red); margin-top: 3px; min-height: 15px; }
.f-check { display: flex; align-items: flex-start; gap: 9px; margin-bottom: 6px; }
.f-check input[type=checkbox] { width: 16px; height: 16px; accent-color: var(--navy); flex-shrink: 0; margin-top: 3px; }
.f-check label { font-size: .8rem; color: var(--muted); cursor: pointer; line-height: 1.5; }
.f-submit { margin-top: 14px; }
.f-success {
  display: none;
  margin-top: 12px;
  padding: 14px;
  background: #dcfce7;
  color: #15803d;
  border-radius: var(--r-sm);
  font-size: .92rem;
  font-weight: 600;
  text-align: center;
}
.f-success.show { display: block; }

/* ============================================================
   Footer
   ============================================================ */
.footer {
  background: #111827;
  color: rgba(255,255,255,.65);
  padding: 40px 0 24px;
}
.footer__top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 32px;
  flex-wrap: wrap;
  margin-bottom: 28px;
}
.footer__brand { max-width: 280px; }
.footer__logo { display: block; font-size: 1.1rem; font-weight: 700; color: var(--white); margin-bottom: 7px; }
.footer__tagline { font-size: .83rem; line-height: 1.5; }
.footer__nav { display: flex; flex-wrap: wrap; gap: 10px 18px; }
.footer__nav a { font-size: .86rem; color: rgba(255,255,255,.55); transition: color var(--ease); }
.footer__nav a:hover { color: var(--white); }
.footer__bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding-top: 18px;
  font-size: .78rem;
  color: rgba(255,255,255,.38);
  line-height: 1.6;
}

/* ============================================================
   Form consent block (with links to legal docs)
   ============================================================ */
.f-consent { margin-bottom: 6px; }
.f-consent__label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
}
.f-consent__label input[type=checkbox] {
  width: 16px; height: 16px;
  accent-color: var(--navy);
  flex-shrink: 0;
  margin-top: 3px;
}
.f-consent__text { font-size: .8rem; color: var(--muted); line-height: 1.55; }
.f-consent__link {
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 2px;
  transition: color var(--ease);
}
.f-consent__link:hover { color: var(--gold); }

/* ============================================================
   Footer legal row
   ============================================================ */
.footer__legal {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 18px;
  padding: 14px 0;
  border-top: 1px solid rgba(255,255,255,.08);
  margin-top: 6px;
}
.footer__legal a {
  font-size: .82rem;
  color: rgba(255,255,255,.5);
  text-decoration: underline;
  text-underline-offset: 2px;
  transition: color var(--ease);
}
.footer__legal a:hover { color: rgba(255,255,255,.88); }

/* ============================================================
   Legal / document pages
   ============================================================ */
.doc-header {
  background: rgba(15,36,69,.97);
  padding: 0;
  position: sticky;
  top: 0;
  z-index: 200;
  box-shadow: 0 2px 14px rgba(0,0,0,.22);
}
.doc-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 66px;
  gap: 20px;
}
.doc-header__logo {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--white);
  font-size: 1.1rem;
  font-weight: 700;
  letter-spacing: .01em;
}
.doc-header__star { color: var(--gold); font-size: 1.3rem; }
.doc-header__back {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: .88rem;
  font-weight: 600;
  color: rgba(255,255,255,.75);
  transition: color var(--ease);
  white-space: nowrap;
}
.doc-header__back:hover { color: var(--gold-light); }

.doc-page { padding: 48px 0 72px; min-height: 60vh; }
.doc-page__inner { max-width: 820px; }

.doc-h1 {
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 800;
  color: var(--ink);
  letter-spacing: -.02em;
  line-height: 1.2;
  margin-bottom: 6px;
}
.doc-meta {
  font-size: .83rem;
  color: var(--muted);
  margin-bottom: 36px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--border);
}
.doc-section { margin-bottom: 32px; }
.doc-section h2 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--border);
  counter-increment: section;
}
.doc-section p {
  font-size: .93rem;
  color: var(--text);
  line-height: 1.72;
  margin-bottom: 8px;
}
.doc-section p:last-child { margin-bottom: 0; }
.doc-section ul {
  list-style: disc;
  padding-left: 20px;
  margin-bottom: 8px;
}
.doc-section li {
  font-size: .93rem;
  color: var(--text);
  line-height: 1.65;
  margin-bottom: 4px;
}
.doc-section a { color: var(--navy); text-decoration: underline; text-underline-offset: 2px; }
.doc-section a:hover { color: var(--gold); }

.doc-placeholder {
  background: #fef3c7;
  border: 1px dashed #f59e0b;
  border-radius: var(--r-sm);
  padding: 1px 6px;
  font-size: .9em;
  color: #92400e;
  white-space: nowrap;
}
.legal-note {
  margin-top: 44px;
  padding: 16px 20px;
  background: #fffbeb;
  border: 1px solid #fcd34d;
  border-left: 4px solid var(--gold);
  border-radius: 0 var(--r-sm) var(--r-sm) 0;
  font-size: .85rem;
  color: #78350f;
  line-height: 1.65;
}
.legal-note strong { color: #92400e; }

/* ============================================================
   Cookie consent banner
   ============================================================ */
.cookie-bar {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 999;
  background: #111827;
  border-top: 1px solid rgba(201,162,39,.28);
  box-shadow: 0 -4px 24px rgba(0,0,0,.30);
  transform: translateY(100%);
  transition: transform .4s cubic-bezier(.22,.68,0,1.15);
  will-change: transform;
}
.cookie-bar.visible {
  transform: translateY(0);
}
.cookie-bar.hidden {
  transform: translateY(110%);
  transition: transform .3s ease-in;
}
.cookie-bar__inner {
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}
.cookie-bar__text {
  flex: 1;
  display: flex;
  align-items: flex-start;
  gap: 10px;
  min-width: 240px;
}
.cookie-bar__icon {
  font-size: 1.25rem;
  flex-shrink: 0;
  margin-top: 1px;
}
.cookie-bar__text p {
  font-size: .85rem;
  color: rgba(255,255,255,.72);
  line-height: 1.55;
}
.cookie-bar__text strong {
  color: rgba(255,255,255,.92);
}
.cookie-bar__link {
  color: var(--gold-light);
  text-decoration: underline;
  text-underline-offset: 2px;
  transition: color var(--ease);
}
.cookie-bar__link:hover { color: var(--gold); }
.cookie-bar__actions {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.cookie-bar__reject {
  padding: 8px 18px;
  font-size: .88rem;
  font-weight: 600;
  color: rgba(255,255,255,.55);
  border: 1.5px solid rgba(255,255,255,.2);
  border-radius: var(--r);
  background: transparent;
  transition: all var(--ease);
}
.cookie-bar__reject:hover {
  color: rgba(255,255,255,.85);
  border-color: rgba(255,255,255,.45);
  background: rgba(255,255,255,.06);
}

@media (max-width: 600px) {
  .cookie-bar__inner { flex-direction: column; align-items: stretch; gap: 14px; }
  .cookie-bar__actions { justify-content: center; }
  .cookie-bar__actions .btn { flex: 1; }
}

/* ============================================================
   Scroll-reveal animation
   ============================================================ */
.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity .5s ease, transform .5s ease;
}
.reveal.visible { opacity: 1; transform: none; }

/* ============================================================
   Responsive — Tablet 1024px
   ============================================================ */
@media (max-width: 1024px) {
  .pay-top  { grid-template-columns: repeat(3,1fr); }
  .ben-grid { grid-template-columns: repeat(2,1fr); }
  .why-grid { grid-template-columns: repeat(2,1fr); }
  .req-grid { grid-template-columns: repeat(2,1fr); }
  .req-docs__grid { grid-template-columns: repeat(3,1fr); }
  .cta { grid-template-columns: 1fr; gap: 36px; }
  .cta__form-wrap { max-width: 540px; }
  .patr { grid-template-columns: 1fr; gap: 0; }
  .patr__visual { display: none; }
}

/* ============================================================
   Responsive — Mobile 768px
   ============================================================ */
@media (max-width: 768px) {
  .section { padding: 56px 0; }

  /* Header nav */
  .nav {
    display: none;
    position: fixed;
    top: 66px; left: 0; right: 0;
    background: var(--navy-dark);
    padding: 16px;
    box-shadow: var(--sh-lg);
    z-index: 199;
  }
  .nav.open { display: block; }
  .nav__list { flex-direction: column; gap: 2px; }
  .nav__link { padding: 11px 14px; font-size: .95rem; }
  .header__cta { display: none; }
  .burger { display: flex; }

  /* Hero */
  .hero { min-height: auto; padding: 56px 0; }
  .hero__stats { flex-direction: column; gap: 10px; }
  .hero__stat-div { display: none; }
  .hero__actions { flex-direction: column; }
  .hero__actions .btn { width: 100%; }

  /* Payments */
  .pay-top  { grid-template-columns: 1fr; }
  .pay-row  { grid-template-columns: 1fr; gap: 4px; }
  .pay-row__src { justify-self: start; }

  /* Benefits / Why */
  .ben-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }

  /* Requirements */
  .req-grid { grid-template-columns: 1fr; }
  .req-docs__grid { grid-template-columns: repeat(2,1fr); }

  /* CTA form */
  .cta__form-wrap { padding: 24px 18px; }
}

/* ============================================================
   Responsive — Small mobile 480px
   ============================================================ */
@media (max-width: 480px) {
  .req-docs__grid { grid-template-columns: 1fr; }
  .hero__title { font-size: 2rem; }
  .cta__form-wrap { padding: 20px 14px; }
}