:root {
  --navy: #082f5f;
  --navy-2: #0a3d79;
  --blue: #0e6fc1;
  --blue-soft: #eaf4fc;
  --green: #55b737;
  --green-dark: #358b24;
  --ink: #132238;
  --muted: #5d6d7f;
  --line: #dce5ed;
  --soft: #f4f8fb;
  --white: #fff;
  --shadow: 0 20px 55px rgba(8, 47, 95, .12);
  --radius: 16px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: #fff; color: var(--ink); font-family: Arial, Helvetica, sans-serif; line-height: 1.6; -webkit-font-smoothing: antialiased; }
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
.shell { width: min(1180px, calc(100% - 40px)); margin: 0 auto; }
.skip-link { position: fixed; left: 12px; top: -80px; z-index: 999; padding: 10px 14px; background: white; color: var(--navy); border: 2px solid var(--blue); }
.skip-link:focus { top: 12px; }
.hp-field { position: absolute !important; left: -9999px !important; width: 1px !important; height: 1px !important; }
.alert { padding: 14px 16px; border-radius: 9px; font-size: 14px; }
.alert ul { margin: 6px 0 0; padding-left: 20px; }
.alert.success { border: 1px solid #a9d99a; background: #eff9eb; color: #246619; }
.alert.error { border: 1px solid #edb5b5; background: #fff2f2; color: #8b2323; }
.desktop-nav a.active { color: var(--blue); }

.utility-bar { background: var(--navy); color: #dceaf7; font-size: 13px; }
.utility-inner { min-height: 38px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.utility-inner > div, .utility-inner a { display: flex; align-items: center; gap: 7px; }
.utility-inner > div { gap: 24px; }
.utility-inner a:hover { color: #fff; }
.site-header { position: sticky; top: 0; z-index: 20; border-bottom: 1px solid rgba(8,47,95,.08); background: rgba(255,255,255,.96); backdrop-filter: blur(14px); }
.header-inner { min-height: 88px; display: flex; align-items: center; gap: 28px; }
.brand { display: flex; align-items: center; gap: 11px; margin-right: auto; }
.brand img { width: 190px; height: 70px; object-fit: contain; }
.brand > span { display: grid; padding-left: 11px; border-left: 1px solid var(--line); line-height: 1.1; }
.brand b { color: var(--navy); font-size: 13px; letter-spacing: .08em; text-transform: uppercase; }
.brand small { margin-top: 4px; color: var(--muted); font-size: 11px; }
.desktop-nav { display: flex; align-items: center; gap: 27px; }
.desktop-nav a { color: #253c55; font-size: 14px; font-weight: 600; }
.desktop-nav a:hover { color: var(--blue); }
.mobile-nav { display: none; position: relative; }
.mobile-nav summary { width: 44px; height: 44px; display: grid; place-items: center; border: 1px solid var(--line); border-radius: 10px; list-style: none; }
.mobile-nav summary::-webkit-details-marker { display: none; }
.mobile-nav > div { position: absolute; right: 0; top: 54px; min-width: 220px; padding: 10px; border: 1px solid var(--line); border-radius: 12px; background: white; box-shadow: var(--shadow); }
.mobile-nav a { display: block; padding: 10px 12px; font-weight: 600; }

.button { min-height: 48px; padding: 0 22px; display: inline-flex; align-items: center; justify-content: center; gap: 9px; border: 1px solid var(--blue); border-radius: 9px; background: var(--blue); color: white; font-weight: 700; font-size: 14px; transition: .2s ease; }
.button:hover { background: var(--navy); border-color: var(--navy); transform: translateY(-1px); }
.button-small { min-height: 42px; padding: 0 17px; white-space: nowrap; }
.button-outline { background: white; color: var(--navy); border-color: var(--line); }
.button-light { background: white; border-color: white; color: var(--navy); }
.button-light:hover { background: var(--green); border-color: var(--green); color: #09284c; }
.button-ghost { color: white; border-color: rgba(255,255,255,.45); background: transparent; }
.text-link { color: var(--blue); font-weight: 700; font-size: 14px; }
.text-link:hover { color: var(--navy); }
.arrow-link { display: inline-flex; align-items: center; gap: 8px; }
.button-row { display: flex; align-items: center; gap: 22px; flex-wrap: wrap; }
.eyebrow { display: inline-block; color: var(--green-dark); font-size: 13px; font-weight: 800; letter-spacing: .13em; text-transform: uppercase; }
.eyebrow.light { color: #a7e691; }

.hero { overflow: hidden; background: linear-gradient(90deg, #f8fbfe 0%, #edf7fd 52%, #e4f2fb 100%); }
.hero-grid { min-height: 640px; display: grid; grid-template-columns: .96fr 1.04fr; align-items: center; gap: 48px; }
.hero-copy { padding: 70px 0; position: relative; z-index: 2; }
.hero h1 { max-width: 660px; margin: 14px 0 22px; color: var(--navy); font-size: clamp(42px, 5vw, 68px); line-height: 1.02; letter-spacing: -.045em; font-weight: 650; }
.hero h1 em { display: block; color: var(--blue); font-style: normal; }
.hero-copy > p { max-width: 650px; margin: 0 0 30px; color: #506579; font-size: 18px; line-height: 1.75; }
.hero-points { display: flex; gap: 18px; flex-wrap: wrap; margin-top: 28px; color: #3b536a; font-size: 13px; font-weight: 700; }
.hero-points span { display: inline-flex; align-items: center; gap: 6px; }
.hero-points svg { color: var(--green-dark); }
.hero-visual { align-self: stretch; position: relative; min-height: 600px; }
.hero-visual::before { content: ""; position: absolute; inset: 58px -120px 35px 40px; border-radius: 48% 0 0 8%; background: var(--navy); opacity: .94; transform: skewX(-5deg); }
.hero-visual::after { content: ""; position: absolute; width: 210px; height: 210px; right: -30px; top: 65px; border: 1px solid rgba(255,255,255,.25); border-radius: 50%; }
.hero-image { height: 600px; position: absolute; bottom: 0; right: 18px; z-index: 1; overflow: hidden; }
.hero-image img { height: 100%; width: auto; object-fit: contain; object-position: bottom; }
.float-card { position: absolute; z-index: 3; padding: 16px 18px; border: 1px solid rgba(255,255,255,.65); border-radius: 12px; background: rgba(255,255,255,.94); box-shadow: 0 16px 38px rgba(8, 47, 95, .2); backdrop-filter: blur(8px); }
.float-balance { left: -5px; bottom: 74px; min-width: 210px; }
.float-balance > span, .float-balance > small { display: block; color: var(--muted); font-size: 12px; }
.float-balance > strong { display: block; margin: 2px 0; color: var(--navy); font-size: 27px; }
.float-balance i { width: 17px; height: 17px; display: inline-grid; place-items: center; border-radius: 50%; background: #daf1d1; color: var(--green-dark); font-style: normal; }
.float-secure { right: -6px; top: 150px; display: flex; align-items: center; gap: 12px; color: var(--blue); }
.float-secure span { display: grid; line-height: 1.3; }
.float-secure strong { color: var(--navy); font-size: 14px; }
.float-secure small { color: var(--muted); font-size: 11px; }

.trust-strip { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: white; }
.trust-grid { min-height: 86px; display: grid; grid-template-columns: repeat(4, 1fr); align-items: center; }
.trust-grid span { min-height: 40px; display: flex; align-items: center; justify-content: center; gap: 10px; border-right: 1px solid var(--line); color: #3b5268; font-size: 14px; font-weight: 700; }
.trust-grid span:last-child { border-right: 0; }
.trust-grid svg { color: var(--blue); }

.section { padding: 92px 0; }
.soft-section { background: var(--soft); }
.section-heading { max-width: 700px; margin-bottom: 42px; }
.section-heading.centered { margin: 0 auto 48px; text-align: center; }
.section-heading h2, .split-copy h2, .portal-grid h2, .faq-home h2, .info-band h2, .mission h2 { margin: 8px 0 14px; color: var(--navy); font-size: clamp(32px, 4vw, 47px); line-height: 1.12; letter-spacing: -.032em; font-weight: 650; }
.section-heading p, .split-copy > p, .faq-home > div > p, .info-band p, .mission p { margin: 0; color: var(--muted); font-size: 17px; line-height: 1.75; }
.step-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.step-card { position: relative; padding: 30px 25px; border: 1px solid var(--line); border-radius: var(--radius); background: white; }
.step-no { position: absolute; top: 23px; right: 23px; color: #c4d1dc; font-size: 15px; font-weight: 800; }
.icon-box { width: 49px; height: 49px; display: grid; place-items: center; margin-bottom: 22px; border-radius: 12px; background: var(--blue-soft); color: var(--blue); }
.step-card h3, .feature-card h3, .value-grid h3 { margin: 0 0 9px; color: var(--navy); font-size: 20px; }
.step-card p, .feature-card p, .value-grid p { margin: 0; color: var(--muted); font-size: 14px; line-height: 1.7; }

.split-grid { display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: 76px; }
.photo-panel { min-height: 520px; position: relative; overflow: hidden; border-radius: 24px 24px 8px 24px; background: #d9e8ef; }
.photo-panel > img { width: 100%; height: 100%; position: absolute; inset: 0; object-fit: cover; object-position: center; }
.photo-badge { min-width: 245px; position: absolute; left: 24px; bottom: 24px; padding: 16px 18px; display: flex; align-items: center; gap: 11px; border-radius: 11px; background: white; color: var(--blue); box-shadow: var(--shadow); }
.photo-badge strong { color: var(--navy); font-size: 14px; }
.benefit-list { margin: 30px 0; display: grid; gap: 21px; }
.benefit-list > div { display: flex; gap: 14px; }
.benefit-list svg { flex: 0 0 auto; color: var(--blue); }
.benefit-list span { display: grid; }
.benefit-list strong { color: var(--navy); font-size: 15px; }
.benefit-list small { margin-top: 3px; color: var(--muted); font-size: 13px; }

.plan-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; align-items: stretch; }
.plan-grid:has(.plan-card:nth-child(4)) { grid-template-columns: repeat(4, 1fr); }
.plan-card { position: relative; padding: 29px 25px 25px; border: 1px solid var(--line); border-radius: var(--radius); background: white; box-shadow: 0 10px 30px rgba(15, 55, 90, .05); }
.plan-card.featured { border: 2px solid var(--blue); box-shadow: 0 17px 42px rgba(14,111,193,.14); }
.popular { position: absolute; top: -13px; right: 18px; padding: 5px 11px; border-radius: 20px; background: var(--green); color: #103a13; font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: .05em; }
.plan-name { margin: 0 0 9px; color: var(--blue); font-size: 13px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.price { display: flex; align-items: baseline; gap: 6px; }
.price strong { color: var(--navy); font-size: 42px; line-height: 1; }
.price span, .plan-card > p { color: var(--muted); font-size: 13px; }
.plan-card ul { min-height: 165px; margin: 23px 0; padding: 20px 0 0; display: grid; gap: 11px; border-top: 1px solid var(--line); list-style: none; }
.plan-card li { display: flex; gap: 8px; color: #455c71; font-size: 13px; }
.plan-card li svg { flex: 0 0 auto; color: var(--green-dark); }
.plan-card .button { width: 100%; }
.center-link { margin-top: 28px; text-align: center; }
.notice { margin-top: 32px; padding: 18px 22px; border-left: 4px solid var(--green); background: #f2f9ef; color: #40566b; font-size: 14px; }

.portal-section { overflow: hidden; position: relative; background: var(--navy); color: white; }
.portal-section::after { content: ""; width: 480px; height: 480px; position: absolute; right: -130px; top: -190px; border: 90px solid rgba(255,255,255,.035); border-radius: 50%; }
.portal-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr .8fr; align-items: center; gap: 90px; }
.portal-grid h2 { color: white; }
.portal-grid > div > p { max-width: 600px; margin: 0 0 28px; color: #c8daea; font-size: 17px; }
.statement-card { padding: 27px; border-radius: 18px; background: white; color: var(--ink); box-shadow: 0 25px 70px rgba(0,0,0,.25); }
.statement-top, .statement-row { display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.statement-top { margin-bottom: 28px; color: var(--navy); font-weight: 700; }
.status { padding: 5px 9px; border-radius: 20px; background: #e7f7e1; color: var(--green-dark); font-size: 11px; text-transform: uppercase; }
.statement-card > small { display: block; color: var(--muted); }
.statement-card > strong { display: block; margin-top: 3px; color: var(--navy); font-size: 35px; }
.mini-chart { height: 74px; margin: 22px 0; display: flex; align-items: end; gap: 7px; }
.mini-chart i { flex: 1; border-radius: 4px 4px 0 0; background: var(--blue); opacity: .85; }
.mini-chart i:nth-child(1) { height: 25%; }.mini-chart i:nth-child(2) { height: 38%; }.mini-chart i:nth-child(3) { height: 44%; }.mini-chart i:nth-child(4) { height: 55%; }.mini-chart i:nth-child(5) { height: 61%; }.mini-chart i:nth-child(6) { height: 73%; }.mini-chart i:nth-child(7) { height: 82%; }.mini-chart i:nth-child(8) { height: 100%; background: var(--green); }
.statement-row { padding: 10px 0; border-top: 1px solid var(--line); font-size: 13px; }
.statement-row span { color: var(--muted); }
.statement-row b { color: var(--green-dark); }

.faq-home { display: grid; grid-template-columns: .7fr 1.3fr; gap: 80px; }
.faq-home .arrow-link { margin-top: 24px; }
.faq-list { display: grid; }
.faq-list details { border-bottom: 1px solid var(--line); }
.faq-list summary { padding: 20px 0; display: flex; align-items: center; justify-content: space-between; gap: 20px; color: var(--navy); font-size: 16px; font-weight: 700; list-style: none; cursor: pointer; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary span { width: 28px; height: 28px; display: grid; place-items: center; flex: 0 0 auto; border-radius: 50%; background: var(--blue-soft); color: var(--blue); font-size: 20px; font-weight: 400; }
.faq-list details[open] summary span { transform: rotate(45deg); }
.faq-list details p { margin: -5px 50px 20px 0; color: var(--muted); font-size: 14px; line-height: 1.75; }

.cta { padding: 64px 0; background: var(--blue); color: white; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 40px; }
.cta h2 { margin: 7px 0 6px; font-size: clamp(30px, 4vw, 44px); line-height: 1.1; letter-spacing: -.03em; }
.cta p { margin: 0; color: #d6eaf9; }

.page-hero { padding: 82px 0 75px; overflow: hidden; position: relative; background: var(--soft); border-bottom: 1px solid var(--line); }
.page-hero::after { content: ""; width: 390px; height: 390px; position: absolute; right: -80px; top: -185px; border: 70px solid #e5f0f7; border-radius: 50%; }
.page-hero .shell { position: relative; z-index: 1; }
.page-hero h1 { max-width: 800px; margin: 10px 0 17px; color: var(--navy); font-size: clamp(39px, 5vw, 60px); line-height: 1.04; letter-spacing: -.04em; font-weight: 650; }
.page-hero p { max-width: 760px; margin: 0; color: var(--muted); font-size: 18px; }

.process-list { max-width: 900px; display: grid; }
.process-list article { padding: 30px 0; display: grid; grid-template-columns: 56px 58px 1fr; gap: 20px; align-items: start; border-bottom: 1px solid var(--line); }
.process-list .icon-box { margin: 0; }
.process-no { color: #a9b8c6; font-size: 13px; font-weight: 800; }
.process-list h2 { margin: -3px 0 7px; color: var(--navy); font-size: 24px; }
.process-list p { margin: 0; color: var(--muted); }
.info-band { display: grid; grid-template-columns: 1fr 1fr; gap: 75px; align-items: center; }
.info-band .arrow-link { margin-top: 18px; }
.two-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.feature-card { padding: 35px; border: 1px solid var(--line); border-radius: var(--radius); }
.feature-card > svg { margin-bottom: 20px; color: var(--blue); }
.feature-card .text-link { display: inline-block; margin-top: 20px; }
.blue-card { background: var(--navy); border-color: var(--navy); }
.blue-card h3 { color: white; }.blue-card p { color: #c5d8e9; }.blue-card > svg, .blue-card .text-link { color: #9ddf85; }
.compare-table { max-width: 760px; }
.compare-table h2 { color: var(--navy); }
.compare-table > div { padding: 15px 0; display: flex; justify-content: space-between; border-bottom: 1px solid var(--line); }
.compare-table span { color: var(--muted); }.compare-table b { color: var(--navy); }
.about-split .photo-panel { background: #e9eef4; }
.about-split .photo-panel > img { object-fit: contain; object-position: bottom center; }
.value-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.value-grid article { padding: 30px; background: white; border: 1px solid var(--line); border-radius: var(--radius); }
.value-grid article > span { color: var(--green-dark); font-weight: 800; font-size: 13px; }
.mission { max-width: 930px; }
.mission > div { margin-top: 30px; display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.mission strong { color: var(--navy); }
.faq-page { display: grid; grid-template-columns: 1.4fr .6fr; gap: 75px; align-items: start; }
.faq-page aside { padding: 30px; border-radius: var(--radius); background: var(--navy); color: white; }
.faq-page aside h2 { margin: 0; font-size: 27px; }
.faq-page aside p { color: #c8d9e9; }
.faq-page aside .button, .faq-page aside .text-link { width: 100%; margin-top: 9px; }
.faq-page aside .text-link { display: block; color: #9ce082; text-align: center; }

.contact-grid { display: grid; grid-template-columns: .7fr 1.3fr; gap: 70px; align-items: start; }
.contact-details { display: grid; gap: 22px; }
.contact-details > div:not(.contact-note) { display: flex; align-items: flex-start; gap: 15px; }
.contact-details svg { color: var(--blue); }
.contact-details span { display: grid; }
.contact-details small { color: var(--muted); font-size: 12px; text-transform: uppercase; letter-spacing: .08em; }
.contact-details a, .contact-details p { margin: 2px 0 0; color: var(--navy); font-weight: 700; }
.contact-note { margin-top: 12px; padding: 23px; border-radius: 12px; background: var(--soft); }
.contact-note strong { color: var(--navy); }
.contact-note p { margin: 6px 0 0; color: var(--muted); font-size: 14px; font-weight: 400; }
.form-card { padding: 36px; display: grid; gap: 18px; border: 1px solid var(--line); border-radius: var(--radius); background: white; box-shadow: var(--shadow); }
.form-heading h2 { margin: 5px 0 4px; color: var(--navy); font-size: 32px; }
.form-card label { display: grid; gap: 7px; color: #334a60; font-size: 13px; font-weight: 700; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-card input, .form-card select, .form-card textarea { width: 100%; border: 1px solid #cdd9e3; border-radius: 8px; background: #fbfdff; color: var(--ink); outline: none; }
.form-card input, .form-card select { height: 49px; padding: 0 13px; }
.form-card textarea { padding: 12px 13px; resize: vertical; }
.form-card input:focus, .form-card select:focus, .form-card textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(14,111,193,.1); }
.form-card .check-field { display: flex; grid-template-columns: auto 1fr; align-items: flex-start; gap: 10px; font-weight: 400; }
.check-field input { width: 18px; height: 18px; margin-top: 2px; }
.application-grid { display: grid; grid-template-columns: .7fr 1.3fr; gap: 28px; align-items: stretch; }
.application-aside { padding: 40px 34px; border-radius: var(--radius); background: var(--navy); color: white; }
.application-aside h2 { margin: 8px 0 27px; font-size: 30px; line-height: 1.2; }
.application-aside > div { padding: 18px 0; display: grid; grid-template-columns: 38px 1fr; gap: 12px; border-top: 1px solid rgba(255,255,255,.15); }
.application-aside > div > span { color: #9de282; font-weight: 800; }
.application-aside p { margin: 0; color: #d0deeb; }
.application-aside > small { display: block; margin-top: 23px; color: #aebfd0; }

.login-section { padding: 80px 0; background: var(--soft); }
.login-grid { min-height: 560px; display: grid; grid-template-columns: 1.1fr .9fr; overflow: hidden; border-radius: 22px; background: var(--navy); box-shadow: var(--shadow); }
.login-copy { padding: 65px; display: flex; flex-direction: column; justify-content: center; color: white; }
.login-copy h1 { margin: 10px 0 18px; font-size: 47px; line-height: 1.06; letter-spacing: -.035em; }
.login-copy > p { color: #c9dbea; font-size: 17px; }
.login-copy > div { margin-top: 30px; padding-top: 25px; display: flex; gap: 14px; border-top: 1px solid rgba(255,255,255,.18); }
.login-copy > div svg { color: #9be181; flex: 0 0 auto; }
.login-copy > div span { display: grid; }
.login-copy > div small { color: #b8cad9; }
.login-card { padding: 50px 48px; display: flex; flex-direction: column; justify-content: center; gap: 15px; background: white; }
.login-card > img { width: 190px; height: 80px; object-fit: contain; margin-bottom: 5px; }
.login-card h2, .login-card h1 { margin: 0 0 5px; color: var(--navy); font-size: 31px; }
.login-card label { display: grid; gap: 6px; color: #40566c; font-size: 13px; font-weight: 700; }
.login-card input { height: 50px; padding: 0 13px; border: 1px solid #cdd9e3; border-radius: 8px; }
.login-card > a { color: var(--blue); font-size: 13px; font-weight: 700; text-align: center; }
.admin-link { margin-top: 10px; padding-top: 18px; border-top: 1px solid var(--line); color: var(--muted); font-size: 12px; text-align: center; }
.admin-link a { color: var(--blue); font-weight: 700; }
.admin-login { min-height: 650px; display: grid; place-items: center; }
.solo-login { width: min(480px, calc(100% - 40px)); padding: 46px; border-radius: 18px; box-shadow: var(--shadow); }
.admin-badge { width: 54px; height: 54px; display: grid; place-items: center; border-radius: 50%; background: var(--blue-soft); color: var(--blue); }
.solo-login > p { margin: 0 0 10px; color: var(--muted); }
.legal-copy { max-width: 860px; }
.legal-copy h2 { margin: 30px 0 8px; color: var(--navy); font-size: 23px; }
.legal-copy h2:first-child { margin-top: 0; }
.legal-copy p { color: var(--muted); }

.portal-body { background: #f3f7fa; }
.portal-header { border-bottom: 1px solid var(--line); background: white; }
.portal-header-inner { min-height: 80px; display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.portal-brand { display: flex; align-items: center; gap: 15px; color: var(--navy); font-weight: 700; }
.portal-brand img { width: 165px; height: 60px; object-fit: contain; }
.portal-brand span { padding-left: 15px; border-left: 1px solid var(--line); }
.portal-header nav { display: flex; align-items: center; gap: 22px; color: #43596d; font-size: 13px; font-weight: 700; }
.portal-header nav form { margin: 0; }
.portal-header nav button { padding: 8px 13px; border: 1px solid var(--line); border-radius: 7px; background: white; color: var(--navy); font-weight: 700; }
.portal-main { min-height: calc(100vh - 150px); padding: 55px 0 75px; }
.portal-welcome { margin-bottom: 30px; display: flex; align-items: flex-end; justify-content: space-between; gap: 30px; }
.portal-welcome h1 { margin: 6px 0 2px; color: var(--navy); font-size: clamp(32px, 4vw, 44px); line-height: 1.1; }
.portal-welcome p { margin: 0; color: var(--muted); }
.portal-actions { display: flex; gap: 10px; }
.portal-stats { display: grid; grid-template-columns: 1.15fr 1fr 1fr; gap: 16px; margin-bottom: 20px; }
.portal-stats.four { grid-template-columns: repeat(4, 1fr); }
.portal-stats article { min-height: 145px; padding: 25px; display: flex; flex-direction: column; justify-content: center; border: 1px solid var(--line); border-radius: 13px; background: white; }
.portal-stats article.primary { background: var(--navy); border-color: var(--navy); color: white; }
.portal-stats small { color: var(--muted); font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; }
.portal-stats .primary small, .portal-stats .primary span { color: #bfd2e3; }
.portal-stats strong { margin: 3px 0; color: var(--navy); font-size: 30px; line-height: 1.2; }
.portal-stats .primary strong { color: white; }
.portal-stats span { color: #8493a1; font-size: 12px; }
.account-overview { margin-bottom: 20px; padding: 21px 25px; display: grid; grid-template-columns: repeat(5, 1fr); gap: 20px; border: 1px solid var(--line); border-radius: 13px; background: white; }
.account-overview > div { display: grid; }
.account-overview span { color: var(--muted); font-size: 11px; text-transform: uppercase; letter-spacing: .06em; }
.account-overview strong { color: var(--navy); font-size: 13px; }
.portal-panel { margin-bottom: 20px; overflow: hidden; border: 1px solid var(--line); border-radius: 13px; background: white; }
.panel-heading { padding: 23px 25px; display: flex; align-items: center; justify-content: space-between; gap: 20px; border-bottom: 1px solid var(--line); }
.panel-heading h2 { margin: 0; color: var(--navy); font-size: 20px; }
.panel-heading p { margin: 2px 0 0; color: var(--muted); font-size: 13px; }
.table-wrap { overflow-x: auto; }
table { width: 100%; border-collapse: collapse; }
th { padding: 12px 17px; background: #f7fafc; color: #738394; font-size: 11px; text-align: left; text-transform: uppercase; letter-spacing: .06em; white-space: nowrap; }
td { padding: 16px 17px; border-top: 1px solid var(--line); color: #4d6174; font-size: 13px; vertical-align: middle; }
td strong { display: block; color: var(--navy); }
td small { display: block; margin-top: 2px; color: #8795a3; }
td.credit { color: var(--green-dark); font-weight: 700; }
td.debit { color: #a94747; }
.empty { padding: 32px; color: var(--muted); text-align: center; }
.portal-disclaimer { padding: 20px 23px; border-left: 4px solid var(--green); background: white; color: var(--muted); font-size: 13px; }
.portal-disclaimer strong { color: var(--navy); }
.portal-disclaimer p { margin: 4px 0 0; }
.portal-footer { min-height: 70px; display: flex; align-items: center; border-top: 1px solid var(--line); background: white; color: #778796; font-size: 12px; }
.portal-footer .shell { display: flex; justify-content: space-between; gap: 20px; }
.portal-footer a { color: var(--blue); font-weight: 700; }
.tag { display: inline-block; padding: 4px 8px; border-radius: 20px; font-size: 10px; font-weight: 800; text-transform: uppercase; }
.tag.active { background: #e7f7e1; color: var(--green-dark); }
.tag.suspended { background: #fff3d9; color: #895e00; }
.tag.closed { background: #edf0f3; color: #5a6672; }
.table-link, .danger-link { color: var(--blue); border: 0; background: none; font-weight: 700; font-size: 12px; }
.danger-link { color: #b23b3b; }
.admin-columns { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; align-items: start; }
.admin-list article { padding: 20px 23px; display: flex; justify-content: space-between; align-items: flex-start; gap: 15px; border-top: 1px solid var(--line); }
.admin-list article:first-child { border-top: 0; }
.admin-list article > div { min-width: 0; display: grid; }
.admin-list strong { color: var(--navy); }
.admin-list small { color: var(--muted); }
.admin-list a { color: var(--blue); font-size: 12px; font-weight: 700; }
.admin-list p { max-height: 72px; margin: 8px 0 0; overflow: auto; color: #566b7f; font-size: 12px; }
.admin-list select { min-height: 36px; border: 1px solid var(--line); border-radius: 7px; background: white; }
.portal-form { max-width: 800px; }
.credential-card { max-width: 760px; padding: 36px; border-radius: 15px; background: white; box-shadow: var(--shadow); }
.credential-card h2 { margin: 6px 0 20px; color: var(--navy); }
.credential-card > div { padding: 13px 0; display: flex; justify-content: space-between; gap: 20px; border-top: 1px solid var(--line); }
.credential-card > div span { color: var(--muted); }
.credential-card p { color: #9a4a35; font-size: 13px; }
.member-admin .portal-panel { margin: 0; }
.panel-form { padding: 24px; display: grid; gap: 15px; }
.panel-form label { display: grid; gap: 6px; color: #43596d; font-size: 12px; font-weight: 700; }
.panel-form input, .panel-form select { min-height: 45px; padding: 0 12px; border: 1px solid #cdd9e3; border-radius: 7px; background: white; }
.reset-form { border-top: 1px solid var(--line); }

@media print {
  .portal-header, .portal-footer, .portal-actions, .site-footer, .utility-bar { display: none !important; }
  .portal-main { padding: 0; }
  .portal-panel, .portal-stats article, .account-overview { break-inside: avoid; box-shadow: none; }
  body { background: white; }
}

.site-footer { padding-top: 70px; background: #061f3d; color: white; }
.footer-grid { display: grid; grid-template-columns: 1.5fr .7fr .7fr 1fr; gap: 50px; }
.footer-brand img { width: 220px; padding: 10px; border-radius: 8px; background: white; }
.footer-grid h3 { margin: 0 0 16px; font-size: 15px; }
.footer-grid p { color: #aebfd0; font-size: 13px; }
.footer-grid > div:not(.footer-brand) { display: flex; flex-direction: column; align-items: flex-start; }
.footer-grid a { margin-bottom: 9px; display: inline-flex; align-items: center; gap: 7px; color: #b9cad9; font-size: 13px; }
.footer-grid a:hover { color: white; }
.acqp-mark { display: inline-block; margin-top: 10px; color: #8fd773; font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: .1em; }
.footer-bottom { margin-top: 52px; min-height: 66px; display: flex; align-items: center; justify-content: space-between; gap: 20px; border-top: 1px solid rgba(255,255,255,.12); color: #8fa4b6; font-size: 12px; }

@media (max-width: 1100px) {
  .desktop-nav { gap: 16px; }
  .desktop-nav a { font-size: 13px; }
  .brand img { width: 165px; }
  .brand > span { display: none; }
  .plan-grid:has(.plan-card:nth-child(4)) { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
  .utility-inner > span { display: none; }
  .utility-inner { justify-content: center; }
  .desktop-nav, .header-inner > .button { display: none; }
  .mobile-nav { display: block; }
  .header-inner { min-height: 76px; }
  .brand img { width: 180px; height: 60px; }
  .hero-grid { min-height: auto; grid-template-columns: 1fr; }
  .hero-copy { padding: 70px 0 30px; }
  .hero-visual { min-height: 510px; }
  .hero-visual::before { inset: 25px -120px 20px 10%; }
  .hero-image { height: 500px; right: 15%; }
  .float-balance { left: 8%; }
  .float-secure { right: 4%; }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-grid span:nth-child(2) { border-right: 0; }
  .trust-grid span:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .step-grid { grid-template-columns: repeat(2, 1fr); }
  .split-grid, .portal-grid, .faq-home, .info-band, .contact-grid, .application-grid { grid-template-columns: 1fr; }
  .split-grid { gap: 45px; }
  .plan-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; }
  .footer-grid > div:last-child { grid-column: 1 / -1; }
  .faq-page { grid-template-columns: 1fr; gap: 40px; }
  .portal-stats, .portal-stats.four { grid-template-columns: repeat(2, 1fr); }
  .account-overview { grid-template-columns: repeat(3, 1fr); }
  .admin-columns { grid-template-columns: 1fr; }
}

@media (max-width: 640px) {
  .shell { width: min(100% - 28px, 1180px); }
  .utility-inner > div a:first-child { display: none; }
  .section { padding: 68px 0; }
  .hero h1 { font-size: 42px; }
  .hero-copy > p { font-size: 16px; }
  .hero-visual { min-height: 420px; }
  .hero-image { height: 410px; right: 0; }
  .float-balance { left: 0; bottom: 25px; min-width: 190px; }
  .float-secure { top: 48px; right: 0; }
  .trust-grid { grid-template-columns: 1fr; }
  .trust-grid span { border-right: 0; border-bottom: 1px solid var(--line); }
  .trust-grid span:last-child { border-bottom: 0; }
  .step-grid, .plan-grid, .plan-grid:has(.plan-card:nth-child(4)), .two-cards, .value-grid, .mission > div, .field-row { grid-template-columns: 1fr; }
  .photo-panel { min-height: 420px; }
  .portal-grid { gap: 45px; }
  .faq-home { gap: 35px; }
  .cta-inner { align-items: flex-start; flex-direction: column; }
  .page-hero { padding: 65px 0; }
  .page-hero h1 { font-size: 40px; }
  .process-list article { grid-template-columns: 40px 49px 1fr; gap: 12px; }
  .process-list .icon-box { width: 46px; height: 46px; }
  .process-list h2 { font-size: 20px; }
  .form-card { padding: 26px 20px; }
  .login-section { padding: 40px 0; }
  .login-grid { grid-template-columns: 1fr; }
  .login-copy { padding: 42px 27px; }
  .login-copy h1 { font-size: 37px; }
  .login-card { padding: 38px 25px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 35px 25px; }
  .footer-brand, .footer-grid > div:last-child { grid-column: 1 / -1; }
  .footer-bottom { padding: 20px 0; align-items: flex-start; flex-direction: column; justify-content: center; }
  .portal-header-inner { align-items: flex-start; flex-direction: column; padding: 12px 0; }
  .portal-header nav { width: 100%; overflow-x: auto; }
  .portal-brand img { width: 145px; }
  .portal-welcome { align-items: flex-start; flex-direction: column; }
  .portal-actions { width: 100%; flex-direction: column; }
  .portal-actions .button { width: 100%; }
  .portal-stats, .portal-stats.four, .account-overview { grid-template-columns: 1fr; }
  .portal-stats article { min-height: 120px; }
  .portal-footer .shell { padding: 18px 0; flex-direction: column; }
  .admin-list article { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition: none !important; }
}