:root {
      --navy: #162847;
      --gold: #d2aa45;
      --background: #f7f8fa;
      --surface: #ffffff;
      --text: #1a1a1a;
      --muted: #687386;
      --border: #e2e7ee;
      --success: #168447;
    }

    * {
      box-sizing: border-box;
    }

    html {
      scroll-behavior: smooth;
    }

    body {
      margin: 0;
      color: var(--text);
      background: var(--background);
      font-family: -apple-system, BlinkMacSystemFont, "Segoe UI",
        Roboto, Helvetica, Arial, sans-serif;
      line-height: 1.6;
    }

    a {
      color: var(--navy);
    }

    header {
      color: white;
      background:
        radial-gradient(circle at top right, rgba(210, 170, 69, 0.3), transparent 36%),
        linear-gradient(135deg, #162847, #223e6c);
    }

    nav {
      width: min(1100px, calc(100% - 40px));
      margin: auto;
      padding: 22px 0;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 20px;
    }

    .brand {
      color: white;
      font-size: 20px;
      font-weight: 800;
      text-decoration: none;
      letter-spacing: -0.3px;
    }

    nav a:not(.brand) {
      color: white;
      font-weight: 650;
      text-decoration: none;
    }

    .hero {
      width: min(850px, calc(100% - 40px));
      margin: auto;
      padding: 70px 0 90px;
      text-align: center;
    }

    .eyebrow {
      margin: 0 0 12px;
      color: #f0d487;
      font-size: 13px;
      font-weight: 800;
      letter-spacing: 1.5px;
      text-transform: uppercase;
    }

    h1 {
      margin: 0;
      font-size: clamp(38px, 8vw, 64px);
      line-height: 1.05;
      letter-spacing: -2px;
    }

    .hero p {
      max-width: 680px;
      margin: 22px auto 30px;
      color: rgba(255, 255, 255, 0.82);
      font-size: 18px;
    }

    .button {
      display: inline-block;
      min-height: 48px;
      padding: 12px 22px;
      border-radius: 12px;
      color: var(--navy);
      background: var(--gold);
      font-weight: 800;
      text-decoration: none;
    }

    main {
      width: min(1000px, calc(100% - 40px));
      margin: -38px auto 70px;
    }

    section {
      margin-bottom: 48px;
      scroll-margin-top: 20px;
    }

    .intro-card,
    .contact-card {
      padding: 28px;
      border: 1px solid var(--border);
      border-radius: 20px;
      background: var(--surface);
      box-shadow: 0 14px 40px rgba(22, 40, 71, 0.08);
    }

    .intro-card {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 22px;
    }

    .quick-help strong {
      display: block;
      margin-bottom: 4px;
      color: var(--navy);
    }

    .quick-help p {
      margin: 0;
      color: var(--muted);
      font-size: 14px;
    }

    h2 {
      margin: 0 0 18px;
      color: var(--navy);
      font-size: 30px;
      letter-spacing: -0.7px;
    }

    .section-intro {
      max-width: 700px;
      margin: -8px 0 22px;
      color: var(--muted);
    }

    .faq-grid {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 14px;
    }

    details {
      padding: 18px 20px;
      border: 1px solid var(--border);
      border-radius: 14px;
      background: var(--surface);
    }

    summary {
      color: var(--navy);
      font-weight: 750;
      cursor: pointer;
    }

    details p {
      margin: 12px 0 0;
      color: var(--muted);
    }

    .steps {
      padding-left: 22px;
    }

    .steps li {
      margin-bottom: 8px;
    }

    .notice {
      padding: 18px;
      border-left: 4px solid var(--gold);
      border-radius: 0 12px 12px 0;
      background: #fff9e9;
    }

    .contact-card {
      display: grid;
      grid-template-columns: 1.4fr 1fr;
      gap: 30px;
      align-items: center;
    }

    .contact-card p {
      color: var(--muted);
    }

    .contact-details {
      padding: 20px;
      border-radius: 14px;
      background: var(--background);
    }

    .contact-details p {
      margin: 5px 0;
    }

    footer {
      padding: 34px 20px;
      color: rgba(255, 255, 255, 0.72);
      background: var(--navy);
      text-align: center;
    }

    footer a {
      color: white;
    }

    .intro-card.visible {
      display: block;
    }

    .eyebrow.gold {
      color: var(--gold);
    }

    @media (max-width: 720px) {
      nav {
        align-items: flex-start;
      }

      .hero {
        padding: 48px 0 72px;
      }

      .intro-card,
      .faq-grid,
      .contact-card {
        grid-template-columns: 1fr;
      }

      h1 {
        letter-spacing: -1.3px;
      }
    }