:root{
  --ink:#0f1b2d; --ink-2:#44526a; --ink-3:#6b778c;
  --navy:#0b2545; --navy-2:#13315c; --accent:#b08d57; --accent-soft:#f6efe3;
  --bg:#f4f6f9; --card:#ffffff; --line:#dfe4ec; --line-2:#c9d1dd;
  --focus:#1d5fd1; --err:#b42318; --err-bg:#fef3f2; --ok:#067647; --ok-bg:#ecfdf3;
  --radius:10px;
}
*{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--ink);font:15px/1.5 "IBM Plex Sans",system-ui,-apple-system,"Segoe UI",sans-serif;-webkit-font-smoothing:antialiased}
a{color:var(--focus)}

/* header */
.top{background:var(--navy);color:#fff;border-bottom:3px solid var(--accent)}
.top-in{max-width:1120px;margin:0 auto;padding:22px 20px;display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.mark{width:44px;height:44px;border-radius:50%;background:radial-gradient(circle at 35% 30%,#fff 0,#e9e4da 35%,#b9ad97 100%);box-shadow:inset -3px -4px 8px rgba(0,0,0,.18);flex:none}
.logo{width:38px;height:38px;border-radius:7px;background:#fff;flex:none;display:block}
.top-admin{font-size:12.5px;font-weight:600;color:var(--navy);background:#fff;text-decoration:none;padding:6px 12px;border-radius:999px;white-space:nowrap}
.top-admin:hover{background:var(--accent-soft)}
.brand{font-weight:600;font-size:17px;letter-spacing:.2px}
.brand small{display:block;font-weight:400;font-size:12.5px;opacity:.75;letter-spacing:.4px;text-transform:uppercase}
.top-tag{margin-left:auto;font-size:12.5px;border:1px solid rgba(255,255,255,.3);padding:5px 10px;border-radius:999px;opacity:.9}

.hero{max-width:1120px;margin:0 auto;padding:28px 20px 6px}
.hero h1{font-size:26px;line-height:1.25;margin:0 0 8px;font-weight:600;letter-spacing:-.2px}
.hero p{margin:0;color:var(--ink-2);max-width:760px}
.ref-pill{display:inline-flex;gap:8px;align-items:center;margin-top:14px;background:var(--accent-soft);border:1px solid #e6d6ba;color:#6b532c;padding:6px 12px;border-radius:8px;font-size:13.5px}

/* layout */
.wrap{max-width:1120px;margin:0 auto;padding:20px 20px 60px;display:grid;grid-template-columns:230px 1fr;gap:28px;align-items:start}
.wrap>nav{position:sticky;top:20px}
.steps{list-style:none;margin:0;padding:0;counter-reset:s}
.steps li a{display:flex;gap:10px;align-items:center;padding:9px 10px;border-radius:8px;color:var(--ink-2);text-decoration:none;font-size:14px}
.steps li a:hover{background:#e9edf3}
.steps li a::before{counter-increment:s;content:counter(s);width:24px;height:24px;border-radius:50%;border:1.5px solid var(--line-2);display:grid;place-items:center;font-size:12px;font-weight:600;flex:none;background:#fff}
.steps li a.done::before{content:"✓";background:var(--ok);border-color:var(--ok);color:#fff}
.steps li a.bad::before{background:var(--err);border-color:var(--err);color:#fff}
nav .note{margin-top:18px;font-size:12.5px;color:var(--ink-3);padding:12px;border:1px dashed var(--line-2);border-radius:8px;background:#fff}

.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);margin-bottom:20px;scroll-margin-top:16px}
.card-h{padding:18px 22px 14px;border-bottom:1px solid var(--line);display:flex;gap:14px;align-items:baseline}
.card-h .n{font-size:12px;font-weight:600;color:var(--accent);letter-spacing:.6px;text-transform:uppercase;flex:none}
.card-h h2{margin:0;font-size:17px;font-weight:600}
.card-h p{margin:2px 0 0;color:var(--ink-3);font-size:13.5px}
.card-b{padding:18px 22px 6px;display:grid;grid-template-columns:1fr 1fr;gap:4px 20px}
.full{grid-column:1/-1}

.f{margin-bottom:16px;min-width:0}
.f label,.f .lbl{display:flex;gap:8px;align-items:center;font-weight:500;font-size:14px;margin-bottom:6px}
.req{color:var(--err);font-weight:600}
.opt{color:var(--ink-3);font-weight:400;font-size:12.5px}
.ibt{margin-left:auto;font:500 11px/1 "IBM Plex Mono",ui-monospace,monospace;color:var(--ink-3);background:#f0f2f6;border-radius:4px;padding:3px 6px;white-space:nowrap}
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;font:inherit;color:var(--ink);background:#fff;border:1px solid var(--line-2);border-radius:8px;padding:10px 12px;min-height:42px;transition:border-color .15s,box-shadow .15s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--focus);box-shadow:0 0 0 3px rgba(29,95,209,.15)}
input[readonly]{background:#f6f8fb;color:var(--ink-2)}
.mono{font-family:"IBM Plex Mono",ui-monospace,monospace;letter-spacing:.5px}
.help{font-size:12.5px;color:var(--ink-3);margin-top:5px}
.err-msg{display:none;font-size:12.5px;color:var(--err);margin-top:5px;font-weight:500}
.f.has-err input,.f.has-err select{border-color:var(--err);background:var(--err-bg)}
.f.has-err .err-msg{display:block}
.hidden{display:none!important}

.seg{display:flex;gap:10px;flex-wrap:wrap}
.seg label{flex:1 1 220px;display:flex;gap:10px;align-items:flex-start;border:1px solid var(--line-2);border-radius:8px;padding:12px 14px;cursor:pointer;font-weight:400;margin:0}
.seg label b{display:block;font-weight:600;font-size:14px}
.seg label span{font-size:12.5px;color:var(--ink-3)}
.seg input{margin-top:3px;accent-color:var(--navy)}
.seg label:has(input:checked){border-color:var(--navy);background:#f3f6fb;box-shadow:0 0 0 1px var(--navy)}

.file{border:1.5px dashed var(--line-2);border-radius:8px;padding:12px;background:#fafbfd}
.file input{font-size:13.5px;width:100%}

.callout{grid-column:1/-1;background:#f3f6fb;border-left:3px solid var(--navy-2);padding:10px 14px;border-radius:0 8px 8px 0;font-size:13.5px;color:var(--ink-2);margin-bottom:16px}

/* declaration */
.decl{border-color:#d9c6a2}
.decl .card-h{background:var(--accent-soft);border-radius:var(--radius) var(--radius) 0 0;border-bottom-color:#eadcc4}
.decl-text{grid-column:1/-1;font-family:Georgia,"Times New Roman",serif;font-size:15px;line-height:1.7;color:#2a2a2a;background:#fffdf9;border:1px solid #eadcc4;border-radius:8px;padding:16px 18px;margin-bottom:16px}
.decl-text mark{background:none;border-bottom:1px solid var(--accent);color:var(--navy);font-weight:600;padding:0 1px}
.agree{grid-column:1/-1;display:flex;gap:12px;align-items:flex-start;padding:14px;border:1px solid var(--line-2);border-radius:8px;margin-bottom:16px;cursor:pointer}
.agree input{width:18px;height:18px;margin-top:2px;accent-color:var(--navy);flex:none}
.f.agree-wrap.has-err .agree{border-color:var(--err);background:var(--err-bg)}
.stamp{font-size:12.5px;color:var(--ink-3)}

.actions{display:flex;gap:16px;align-items:center;justify-content:space-between;flex-wrap:wrap;padding:6px 0}
.btn{appearance:none;border:0;background:var(--navy);color:#fff;font:600 15px/1 inherit;font-family:inherit;padding:14px 26px;border-radius:8px;cursor:pointer;text-decoration:none;display:inline-flex;align-items:center;gap:8px}
.btn:hover{background:var(--navy-2)}
.btn[disabled]{opacity:.6;cursor:wait}
.btn.ghost{background:#fff;color:var(--navy);border:1px solid var(--line-2)}
.btn.sm{padding:9px 14px;font-size:13.5px}
.privacy{font-size:12.5px;color:var(--ink-3);max-width:560px}

.banner{border-radius:8px;padding:12px 16px;margin-bottom:18px;font-size:14px}
.banner.err{background:var(--err-bg);border:1px solid #fecdca;color:var(--err)}
.banner.ok{background:var(--ok-bg);border:1px solid #abefc6;color:var(--ok)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

footer{text-align:center;color:var(--ink-3);font-size:12.5px;padding:0 20px 40px}

@media (max-width:860px){
  .wrap{grid-template-columns:1fr;gap:0}
  .steps{display:none}
  .card-b{grid-template-columns:1fr}
  .hero h1{font-size:22px}
  .top-tag{margin-left:0}
}
@media print{
  .top,.steps,.no-print,footer{display:none!important}
  body{background:#fff}
  .card{border-color:#999;break-inside:avoid}
}