:root{
  --navy:#000038;--royal:#1B4BB8;--magenta:#9B1F54;
  --orange:#E55318;--cream:#F7F5F1;--silk:#EEF2FF;
  --white:#fff;--slate:#4A5568;--ink:#0A1628;
  --pad:clamp(20px,5.5vw,88px);--max:1200px;
  --ease:cubic-bezier(.22,1,.36,1);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Montserrat',sans-serif;color:var(--slate);background:var(--white);line-height:1.8;overflow-x:hidden}

/* ── HERO ── */
.hero{
      background:
    radial-gradient(ellipse 55% 80% at 0% 50%,  rgba(155,31,84,.18)  0%, transparent 55%),
    radial-gradient(ellipse 50% 60% at 100% 0%,  rgba(27,75,184,.12) 0%, transparent 50%),
    radial-gradient(ellipse 70% 50% at 60% 100%, rgba(201,149,26,.07) 0%, transparent 55%),
    linear-gradient(160deg, #000038 0%, #04042C 45%, #0D0120 100%);min-height:80vh;display:flex;flex-direction:column;justify-content:center;position:relative;overflow:hidden;padding:88px var(--pad) 108px}
#hc{position:absolute;inset:0;pointer-events:none;z-index:0}
.hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 65% 80% at 72% 40%,rgba(27,75,184,.2) 0%,transparent 68%);z-index:0}
.hero-body{position:relative;z-index:2;margin:0 auto;width:100%;display:grid;grid-template-columns:1fr 330px;gap:52px;align-items:center}
.h-eye{font-size:.68rem;font-weight:700;color:var(--orange);letter-spacing:.18em;text-transform:uppercase;display:flex;align-items:center;gap:12px;margin-bottom:24px;opacity:0;animation:fu .6s var(--ease) .08s forwards}
.h-eye::before{content:'';width:32px;height:2px;background:var(--orange);display:block;flex-shrink:0}
.hero h1{font-size:3.3vw;font-weight:800;line-height:1.1;letter-spacing:-.03em;opacity:0;animation:fu .7s var(--ease) .18s forwards}
.hw{color:#fff;display:block}.ho{font-weight:400;color:var(--orange);display:block}
.h-rule{width:44px;height:3px;background:var(--magenta);margin:24px 0 26px;opacity:0;animation:fu .5s var(--ease) .3s forwards}
.h-desc{font-size:.88rem;color:rgba(255,255,255,.62);line-height:1.9;max-width:470px;opacity:0;animation:fu .7s var(--ease) .38s forwards}
.h-btns{display:flex;gap:14px;margin-top:32px;flex-wrap:wrap;opacity:0;animation:fu .7s var(--ease) .48s forwards}
.btn-mag{background:var(--magenta);color:#fff;padding:13px 28px;font-weight:700;font-size:.8rem;letter-spacing:.04em;text-transform:uppercase;text-decoration:none;border-radius:2px;transition:background .2s,transform .2s var(--ease);display:inline-flex;align-items:center;gap:8px;border:none;cursor:pointer;font-family:'Montserrat',sans-serif}
.btn-mag:hover{background:#7d1843;transform:translateY(-2px)}
.btn-ghost{border:1.5px solid rgba(255,255,255,.28);color:rgba(255,255,255,.82);padding:13px 28px;font-weight:600;font-size:.8rem;letter-spacing:.04em;text-transform:uppercase;text-decoration:none;border-radius:2px;background:transparent;transition:all .2s var(--ease);display:inline-flex;align-items:center;gap:8px}
.btn-ghost:hover{border-color:var(--orange);color:var(--orange);transform:translateY(-2px)}
.glance{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:4px;overflow:hidden;opacity:0;animation:fu .8s var(--ease) .28s forwards}
.glance-hd{padding:13px 20px;border-bottom:1px solid rgba(255,255,255,.08)}
.glance-hd p{font-size:.63rem;font-weight:700;color:rgba(255,255,255,.36);letter-spacing:.14em;text-transform:uppercase}
.g-stats{display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid rgba(255,255,255,.08)}
.gs{padding:18px 20px;border-right:1px solid rgba(255,255,255,.08)}
.gs:nth-child(2){border-right:none}
.gs:nth-child(3){border-right:1px solid rgba(255,255,255,.08);border-top:1px solid rgba(255,255,255,.08)}
.gs:nth-child(4){border-top:1px solid rgba(255,255,255,.08)}
.gs-n{font-size:1.75rem;font-weight:800;color:#fff;line-height:1;letter-spacing:-.03em}
.gs-n em{color:var(--orange);font-style:normal}
.gs-l{font-size:.68rem;color:rgba(255,255,255,.4);line-height:1.4;margin-top:4px}
.gr{display:flex;align-items:center;justify-content:space-between;padding:11px 20px;border-bottom:1px solid rgba(255,255,255,.07)}
.gr:last-child{border-bottom:none}
.gr-k{font-size:.7rem;color:var(--orange);font-weight:600}
.gr-v{font-size:.7rem;color:#fff;font-weight:700}
.gr-pill{background:var(--magenta);color:#fff;padding:3px 10px;border-radius:2px;font-size:.63rem;font-weight:800;letter-spacing:.05em}
.h-tags{position:absolute;bottom:0;left:0;right:0;padding:0 var(--pad) 26px;display:flex;gap:10px;flex-wrap:wrap;z-index:2}
.htag{border:1px solid rgba(255,255,255,.17);color:rgba(255,255,255,.48);padding:7px 16px;font-size:.67rem;font-weight:600;letter-spacing:.05em;border-radius:2px}
@keyframes fu{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}
@media(max-width:960px){.hero-body{grid-template-columns:1fr}.glance{display:none}}
@media(max-width:600px){.hero h1{font-size:clamp(1.8rem,7vw,2.8rem)}.h-tags{flex-wrap:wrap}}

/* ── ANNOUNCE ── */
.mstrip{background:var(--magenta);padding:16px var(--pad);display:flex;align-items:center;justify-content:center;gap:24px;flex-wrap:wrap}
.mstrip p{color:#fff;font-weight:700;font-size:.84rem}
.mstrip a{background:#fff;color:var(--magenta);padding:7px 18px;font-weight:800;font-size:.72rem;letter-spacing:.06em;text-transform:uppercase;text-decoration:none;border-radius:2px;display:inline-flex;align-items:center;gap:6px;transition:background .2s}
.mstrip a:hover{background:var(--cream)}
@media(max-width:600px){.mstrip{flex-direction:column;text-align:center;gap:10px}}

/* ── SHARED ── */
.sec{padding:clamp(56px,7vw,92px) var(--pad)}
.wrap{max-width:var(--max);margin:0 auto;width:100%}
.rv{opacity:0;transform:translateY(18px);transition:opacity .6s var(--ease),transform .6s var(--ease)}
.rv.on{opacity:1;transform:none}
.d1{transition-delay:.1s}.d2{transition-delay:.2s}.d3{transition-delay:.3s}.d4{transition-delay:.4s}
.eyebrow{font-size:.62rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;margin-bottom:10px;display:flex;align-items:center;gap:8px;color:var(--magenta)}
.eyebrow::before{content:'';width:20px;height:2px;background:currentColor;display:block;flex-shrink:0}
.eyebrow-w{color:rgba(255,255,255,.45)}.eyebrow-w::before{background:rgba(255,255,255,.3)}
.sh{font-size:clamp(1.5rem,2.4vw,2.2rem);font-weight:800;color:var(--ink);letter-spacing:-.03em;line-height:1.1;margin-bottom:10px}
.sh-w{color:#fff}
.sp{font-size:.86rem;color:var(--slate);line-height:1.75;max-width:560px}
.sp-w{color:rgba(255,255,255,.55)}
/* buttons */
.btn-orange{background:var(--orange);color:#fff;padding:11px 22px;font-weight:700;font-size:.77rem;letter-spacing:.05em;text-transform:uppercase;text-decoration:none;border-radius:2px;display:inline-flex;align-items:center;gap:7px;transition:background .2s,transform .2s var(--ease)}
.btn-orange:hover{background:#c94510;transform:translateY(-2px)}
.btn-white{background:#fff;color:var(--magenta);padding:11px 22px;font-weight:800;font-size:.77rem;letter-spacing:.05em;text-transform:uppercase;text-decoration:none;border-radius:2px;display:inline-flex;align-items:center;gap:7px;transition:background .2s,transform .2s var(--ease)}
.btn-white:hover{background:var(--cream);transform:translateY(-2px)}
.btn-ghost-w{border:1.5px solid rgba(255,255,255,.3);color:#fff;padding:11px 22px;font-weight:700;font-size:.77rem;letter-spacing:.05em;text-transform:uppercase;text-decoration:none;border-radius:2px;display:inline-flex;align-items:center;gap:7px;transition:all .2s}
.btn-ghost-w:hover{border-color:#fff}
.btn-navy{background:var(--navy);color:#fff;padding:11px 22px;font-weight:700;font-size:.77rem;letter-spacing:.05em;text-transform:uppercase;text-decoration:none;border-radius:2px;display:inline-flex;align-items:center;gap:7px;transition:background .2s}
.btn-navy:hover{background:#0a0060}

/* ── HOW IT WORKS — 4 steps like MDX ── */
.hiw{background:var(--cream)}
.hiw-steps{max-width:var(--max);margin:36px auto 0;display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid rgba(0,0,56,.08);border-radius:4px;overflow:hidden;position:relative}
.hiw-steps::before{content:'';position:absolute;top:44px;left:calc(12.5%);right:calc(12.5%);height:2px;background:linear-gradient(to right,var(--magenta),rgba(155,31,84,.15));z-index:0;pointer-events:none}
.hs{padding:36px 22px 28px;border-right:1px solid rgba(0,0,56,.07);background:#fff;text-align:center;position:relative;z-index:1;transition:background .2s}
.hs:hover{background:rgba(155,31,84,.025)}
.hs:last-child{border-right:none}
.hs-num{width:48px;height:48px;background:var(--magenta);border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;font-weight:800;font-size:.86rem;color:#fff;position:relative;z-index:2}
.hs-ttl{font-weight:800;color:var(--ink);font-size:.86rem;margin-bottom:6px}
.hs-desc{font-size:.75rem;color:var(--slate);line-height:1.6}
@media(max-width:860px){
  .hiw-steps{grid-template-columns:1fr 1fr}.hiw-steps::before{display:none}
  .hs:nth-child(2n){border-right:none}.hs:nth-child(3),.hs:nth-child(4){border-top:1px solid rgba(0,0,56,.07)}
}
@media(max-width:480px){.hiw-steps{grid-template-columns:1fr}.hs{border-right:none!important;border-bottom:1px solid rgba(0,0,56,.07)!important}.hs:last-child{border-bottom:none!important}}

/* ── VISA CATEGORIES — 3 cards side by side ── */
.vcats{background:var(--white)}
.vcat-grid{max-width:var(--max);margin:32px auto 0;display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.vc{border-radius:4px;overflow:hidden;border:1px solid rgba(0,0,56,.08);transition:box-shadow .3s,transform .3s var(--ease)}
.vc:hover{transform:translateY(-4px);box-shadow:0 14px 36px rgba(0,0,56,.09)}
.vc-head{padding:24px 22px 18px}
.vc-head.h-mag{background:var(--magenta)}
.vc-head.h-royal{background:var(--royal)}
.vc-head.h-ink{background:var(--ink)}
.vc-badge{display:inline-flex;align-items:center;gap:5px;background:rgba(255,255,255,.15);color:#fff;padding:3px 9px;border-radius:2px;font-size:.61rem;font-weight:800;letter-spacing:.07em;text-transform:uppercase;margin-bottom:10px}
.vc-name{font-weight:800;color:#fff;font-size:.96rem;line-height:1.25}
.vc-body{padding:18px 22px;background:#fff}
.vc-rows{display:flex;flex-direction:column;gap:0}
.vc-row{display:flex;justify-content:space-between;align-items:center;padding:8px 0;border-bottom:1px solid rgba(0,0,56,.06);font-size:.77rem}
.vc-row:last-child{border:none}
.vc-row-k{color:var(--slate);font-weight:500}
.vc-row-v{color:var(--ink);font-weight:700;text-align:right}
.vc-note{margin-top:12px;padding:10px 12px;background:var(--silk);border-radius:2px;font-size:.72rem;color:var(--ink);line-height:1.6;display:flex;gap:7px;align-items:flex-start}
.vc-note i{color:var(--royal);flex-shrink:0;margin-top:2px;font-size:.65rem}
@media(max-width:860px){.vcat-grid{grid-template-columns:1fr}}

/* ── REQUIRED DOCS — minimal icon list ── */
.docs{background:var(--navy)}
.docs-inner{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.doc-list{margin-top:24px;display:flex;flex-direction:column;gap:0}
.dl-item{display:flex;align-items:center;gap:14px;padding:13px 0;border-bottom:1px solid rgba(255,255,255,.06)}
.dl-item:last-child{border:none}
.dl-icon{width:32px;height:32px;background:rgba(155,31,84,.2);border-radius:3px;display:flex;align-items:center;justify-content:center;flex-shrink:0;color:var(--magenta);font-size:.76rem}
.dl-name{font-weight:700;color:#fff;font-size:.82rem}
.dl-badge{margin-left:auto;flex-shrink:0;background:rgba(155,31,84,.2);color:var(--magenta);padding:2px 7px;font-size:.59rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;border-radius:2px}
.dl-badge.r{background:rgba(27,75,184,.2);color:rgba(120,170,255,.9)}
.docs-alert{margin-top:20px;padding:12px 14px;background:rgba(229,83,24,.12);border-left:3px solid var(--orange);border-radius:2px;font-size:.76rem;color:rgba(255,255,255,.65);display:flex;gap:8px;align-items:flex-start;line-height:1.6}
.docs-alert i{color:var(--orange);flex-shrink:0;margin-top:1px;font-size:.72rem}
@media(max-width:860px){.docs-inner{grid-template-columns:1fr}}

/* ── EID + INSURANCE — two clean panels ── */
.eid-ins{background:var(--cream)}
.ei-grid{max-width:var(--max);margin:32px auto 0;display:grid;grid-template-columns:1fr 1fr;gap:16px}
.ei-panel{background:#fff;border-radius:4px;border:1px solid rgba(0,0,56,.08);overflow:hidden}
.ei-panel-head{padding:18px 22px;display:flex;align-items:center;gap:12px;border-bottom:1px solid rgba(0,0,56,.07)}
.ei-panel-head.bg-mag{background:var(--magenta)}
.ei-panel-head.bg-navy{background:var(--navy)}
.ei-ph-icon{width:34px;height:34px;background:rgba(255,255,255,.15);border-radius:3px;display:flex;align-items:center;justify-content:center;color:#fff;font-size:.85rem;flex-shrink:0}
.ei-ph-ttl{font-weight:800;color:#fff;font-size:.9rem}
.ei-ph-sub{font-size:.67rem;color:rgba(255,255,255,.5);margin-top:1px}
.ei-panel-body{padding:20px 22px}
.ei-list{list-style:none;display:flex;flex-direction:column;gap:0}
.ei-list li{display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-bottom:1px solid rgba(0,0,56,.06);font-size:.78rem;color:var(--slate);line-height:1.55}
.ei-list li:last-child{border:none}
.ei-list li i{color:var(--magenta);flex-shrink:0;margin-top:2px;font-size:.65rem}
@media(max-width:680px){.ei-grid{grid-template-columns:1fr}}



/* ── IMPORTANT NOTES — numbered dark list ── */
.notes{background:var(--ink)}
.notes-list{max-width:var(--max);margin:32px auto 0;display:flex;flex-direction:column;gap:0;border:1px solid rgba(255,255,255,.07);border-radius:4px;overflow:hidden}
.note-row{display:flex;gap:0;border-bottom:1px solid rgba(255,255,255,.06);transition:background .2s}
.note-row:hover{background:rgba(155,31,84,.06)}
.note-row:last-child{border-bottom:none}
.note-n{padding:18px 20px;font-size:1.3rem;font-weight:800;color:rgba(155,31,84,.25);line-height:1;flex-shrink:0;width:56px;display:flex;align-items:center;justify-content:center;border-right:1px solid rgba(255,255,255,.06)}
.note-icon{padding:18px 16px;display:flex;align-items:center;justify-content:center;flex-shrink:0;color:var(--magenta);font-size:.82rem}
.note-body{padding:18px 16px 18px 0;display:flex;flex-direction:column;justify-content:center}
.note-ttl{font-weight:800;color:#fff;font-size:.82rem;margin-bottom:2px}
.note-desc{font-size:.74rem;color:rgba(255,255,255,.48);line-height:1.55}
@media(max-width:600px){.note-n{width:40px;font-size:1rem;padding:14px}}

/* ── FAQ ── */
.faq-sec{background:var(--cream)}
.faq-inner{max-width:var(--max);margin:0 auto}
.faq-layout{display:grid;grid-template-columns:280px 1fr;gap:48px;align-items:start;margin-top:32px}
.faq-sidebar .sp{margin-top:12px;margin-bottom:0}
.faq-list{display:flex;flex-direction:column;gap:0;border:1px solid rgba(0,0,56,.08);border-radius:4px;overflow:hidden}
.faq-item{border-bottom:1px solid rgba(0,0,56,.07);background:#fff}
.faq-item:last-child{border-bottom:none}
.faq-trigger{width:100%;padding:16px 20px;background:none;border:none;cursor:pointer;font-family:'Montserrat',sans-serif;text-align:left;display:flex;align-items:center;justify-content:space-between;gap:12px;transition:background .2s}
.faq-trigger:hover{background:rgba(155,31,84,.03)}
.faq-q{font-weight:700;color:var(--ink);font-size:.82rem;line-height:1.4}
.faq-chev{width:22px;height:22px;border:1.5px solid rgba(0,0,56,.14);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--slate);font-size:.58rem;flex-shrink:0;transition:transform .3s var(--ease),background .2s,border-color .2s}
.faq-item.open .faq-chev{transform:rotate(180deg);background:var(--magenta);border-color:var(--magenta);color:#fff}
.faq-body{display:none;padding:0 20px 16px}
.faq-item.open .faq-body{display:block}
.faq-body p{font-size:.79rem;color:var(--slate);line-height:1.7}
@media(max-width:860px){.faq-layout{grid-template-columns:1fr}}

/* ── CTA STRIP ── */
.cta-strip{background:var(--magenta);padding:clamp(40px,5vw,60px) var(--pad)}
.cta-inner{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:1fr auto;gap:40px;align-items:center}
.cta-left h2{font-size:clamp(1.3rem,2.2vw,1.9rem);font-weight:800;color:#fff;letter-spacing:-.02em;line-height:1.1;margin-bottom:6px}
.cta-left p{font-size:.82rem;color:rgba(255,255,255,.68);line-height:1.6}
.cta-btns{display:flex;gap:10px;flex-wrap:wrap;flex-shrink:0}
@media(max-width:860px){.cta-inner{grid-template-columns:1fr}}
@media(max-width:540px){.cta-btns{flex-direction:column}}

/* ── CONTACT ── */
.contact-sec{background:var(--ink);padding:clamp(44px,5vw,64px) var(--pad)}
.contact-inner{max-width:var(--max);margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap}
.contact-text h3{font-size:clamp(1rem,1.8vw,1.35rem);font-weight:800;color:#fff;letter-spacing:-.02em;margin-bottom:4px}
.contact-text p{font-size:.78rem;color:rgba(255,255,255,.45)}
.contact-links{display:flex;gap:12px;flex-wrap:wrap}
.cl{display:flex;align-items:center;gap:9px;padding:10px 16px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.08);border-radius:3px;text-decoration:none;transition:background .2s}
.cl:hover{background:rgba(255,255,255,.1)}
.cl-icon{font-size:.82rem;color:var(--magenta)}
.cl-label{font-size:.66rem;font-weight:700;color:rgba(255,255,255,.45);letter-spacing:.08em;text-transform:uppercase;display:block;line-height:1}
.cl-val{font-size:.78rem;font-weight:700;color:#fff;line-height:1;margin-top:1px}
@media(max-width:860px){.contact-inner{flex-direction:column;align-items:flex-start}}