:root{
    --beige:#E3DFD5;
    --navy:#1F3B5C;
    --navy-soft:#2b4a70;
    --maroon:#7A1E2B;
    --maroon-dark:#651722;
    --purple:#5A2D82;
    --purple-bg:#F2ECF8;
    --ink:#33383D;
    --muted:#6B7178;
    --callout-bg:#F4F5F6;
    --card-border:#E2E4E7;
    --line:#E7E4DC;
    --green:#1E7A47;
    --green-bg:#EAF5EE;
    --yellow-bg:#FCF7E6;
    --page:#FFFFFF;
    --radius:8px;
  }
  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{
    margin:0;
    font-family:'Lato',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
    color:var(--ink);
    background:var(--page);
    line-height:1.6;
    font-size:16px;
  }
  a{color:var(--maroon);text-decoration:underline;text-underline-offset:2px;}
  a:hover{color:var(--maroon-dark);}
  .header{
    background:var(--beige);
    padding:44px 24px;
    text-align:center;
  }
  .header h1{
    margin:0;
    font-weight:900;
    color:var(--navy);
    font-size:clamp(28px,5vw,46px);
    letter-spacing:-0.5px;
    line-height:1.1;
  }
  .header .sub{
    margin:10px auto 0;
    color:var(--navy-soft);
    font-size:clamp(15px,2.2vw,18px);
    font-weight:700;
    max-width:640px;
  }
  .wrap{
    max-width:860px;
    margin:0 auto;
    padding:40px 24px 80px;
  }
  .lede{color:var(--ink);font-size:17px;}
  .lede strong{color:var(--navy);}
  .intro-lead{color:var(--ink);font-size:17px;margin:22px 0 6px;}
  .intro-list{margin:0 0 4px;padding-left:24px;}
  .intro-list li{margin:9px 0;}
  .intro-list li strong{color:var(--navy);}
  .flow{margin:18px 0 4px;}
  .flow-step{display:flex;gap:16px;padding:0 0 22px;position:relative;}
  .flow-step:not(:last-child)::before{content:"";position:absolute;left:15px;top:36px;bottom:0;width:2px;background:var(--card-border);}
  .flow-num{flex:0 0 32px;width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;display:inline-flex;align-items:center;justify-content:center;font-size:15px;z-index:1;}
  .flow-body{padding-top:4px;}
  .flow-title{font-weight:700;color:var(--navy);font-size:16px;margin-bottom:3px;}
  .flow-body p{margin:0;color:var(--ink);font-size:15px;}
  .todo{color:#8a6d1a;font-style:italic;background:var(--yellow-bg);border:1px solid #ecdfb0;border-radius:4px;padding:1px 6px;}

  /* Callout boxes */
  .callout{
    border-left:5px solid var(--navy);
    background:var(--callout-bg);
    padding:20px 22px;
    border-radius:0 var(--radius) var(--radius) 0;
    margin:26px 0;
  }
  .callout.maroon{border-left-color:var(--maroon);}
  .callout.purple{border-left-color:var(--purple);background:var(--purple-bg);}
  .callout .c-head{
    display:flex;align-items:center;gap:10px;
    font-weight:700;color:var(--navy);font-size:17px;margin-bottom:6px;
  }
  .callout.purple .c-head{color:var(--purple);}
  .callout .c-icon{
    width:26px;height:26px;flex:0 0 26px;border-radius:50%;
    display:inline-flex;align-items:center;justify-content:center;
    font-size:15px;line-height:1;
  }
  .callout .ico-cal{background:transparent;font-size:20px;}
  .callout .ico-i{background:var(--maroon);color:#fff;font-weight:700;font-style:italic;font-family:Georgia,serif;}
  .callout .ico-bulb{background:transparent;font-size:19px;}
  .callout p{margin:6px 0;}
  .callout ul{margin:8px 0 4px;padding-left:20px;}
  .callout li{margin:4px 0;}
  .callout .fine{color:var(--muted);font-size:14px;margin-top:10px;}

  /* Section headings */
  .sec-h{
    font-size:22px;color:var(--navy);font-weight:900;
    margin:44px 0 4px;letter-spacing:-0.3px;
    display:flex;align-items:baseline;gap:12px;
  }
  .sec-h .step{
    font-size:13px;font-weight:700;color:#fff;background:var(--maroon);
    padding:3px 10px;border-radius:20px;letter-spacing:.5px;white-space:nowrap;
    position:relative;top:-3px;
  }
  .sec-sub{color:var(--muted);margin:2px 0 18px;font-size:15px;}
  .divider{height:1px;background:var(--line);border:0;margin:38px 0;}

  /* Form cards */
  .form-card{
    border:1px solid var(--card-border);
    border-radius:var(--radius);
    padding:18px 20px;
    margin:14px 0;
    display:grid;
    grid-template-columns:1fr auto;
    gap:6px 18px;
    align-items:start;
  }
  .form-card .fc-title{font-weight:700;color:var(--navy);font-size:16px;grid-column:1;}
  .form-card .fc-badge{
    font-size:11px;font-weight:700;letter-spacing:.4px;text-transform:uppercase;
    color:var(--muted);border:1px solid var(--card-border);border-radius:4px;
    padding:2px 7px;display:inline-block;margin-left:8px;vertical-align:middle;
  }
  .form-card .fc-badge.new{color:var(--maroon);border-color:#e6c9ce;background:#fbf1f2;}
  .form-card .fc-badge.auto{color:var(--purple);border-color:#e0d3ee;background:var(--purple-bg);}
  .form-card .fc-badge.sb{color:var(--navy);border-color:#c9d4e0;background:#eef3f8;}
  .form-card .fc-instr{grid-column:1;color:var(--ink);font-size:14.5px;margin-top:2px;}
  .form-card .fc-instr .mini-list{margin:6px 0 0;padding-left:18px;}
  .form-card .fc-instr .mini-list li{margin:3px 0;}
  .dl-btn{
    grid-column:2;grid-row:1 / span 2;align-self:start;
    display:inline-flex;align-items:center;gap:8px;white-space:nowrap;
    background:#fff;border:1px solid var(--maroon);color:var(--maroon);
    font-family:inherit;font-size:13.5px;font-weight:700;
    padding:9px 14px;border-radius:6px;cursor:pointer;text-decoration:none;
    transition:background .15s,color .15s;
  }
  .dl-btn:hover{background:var(--maroon);color:#fff;}
  .dl-btn.ghost{border-color:var(--card-border);color:var(--muted);cursor:default;}
  .dl-btn.ghost:hover{background:#fff;color:var(--muted);}
  .dl-btn svg{width:15px;height:15px;flex:0 0 15px;}

  /* Cross-reference number badges */
  .fc-num{
    display:inline-flex;align-items:center;justify-content:center;
    width:24px;height:24px;flex:0 0 24px;border-radius:50%;
    background:var(--navy);color:#fff;font-weight:700;font-size:13px;
    margin-right:9px;position:relative;top:-1px;
  }
  .ck-num{
    display:inline-flex;align-items:center;justify-content:center;
    width:22px;height:22px;flex:0 0 22px;border-radius:50%;
    background:var(--navy);color:#fff;font-weight:700;font-size:12.5px;
    margin-top:1px;
  }
  .ck-group{
    padding:10px 18px;font-size:12px;font-weight:700;letter-spacing:.5px;
    text-transform:uppercase;color:var(--muted);background:#fafafb;
    border-bottom:1px solid var(--card-border);
  }
  .ck-group:not(:first-child){border-top:1px solid var(--card-border);}
  .ck-item .ck-indent{flex:0 0 22px;}

  /* DRS eligibility panel */
  .drs{
    border:1px solid #e0d3ee;background:var(--purple-bg);
    border-radius:var(--radius);padding:18px 20px;margin:14px 0 4px;
  }
  .drs h4{margin:0 0 4px;color:var(--purple);font-size:15px;}
  .drs p{margin:0 0 10px;font-size:14px;color:var(--ink);}
  .drs ol{margin:0;padding-left:20px;font-size:14px;}
  .drs ol li{margin:5px 0;}

  /* Checklist */
  .checklist{border:1px solid var(--card-border);border-radius:var(--radius);overflow:hidden;}
  .ck-item{
    display:flex;align-items:flex-start;gap:12px;
    padding:13px 18px;border-bottom:1px solid var(--card-border);cursor:pointer;
    transition:background .12s;
  }
  .ck-item:last-child{border-bottom:0;}
  .ck-item:hover{background:#fafafb;}
  .ck-box{
    flex:0 0 20px;width:20px;height:20px;margin-top:2px;border:2px solid #b9bdc2;
    border-radius:5px;display:inline-flex;align-items:center;justify-content:center;
    transition:background .12s,border-color .12s;
  }
  .ck-box svg{width:13px;height:13px;opacity:0;transform:scale(.6);transition:opacity .12s,transform .12s;stroke:#fff;}
  .ck-item.done .ck-box{background:var(--green);border-color:var(--green);}
  .ck-item.done .ck-box svg{opacity:1;transform:scale(1);}
  .ck-label{font-size:15px;}
  .ck-item.done .ck-label{color:var(--muted);text-decoration:line-through;text-decoration-color:#c3c7cb;}
  .ck-tag{
    font-size:11px;font-weight:700;color:var(--maroon);background:#fbf1f2;
    border:1px solid #e6c9ce;border-radius:4px;padding:1px 7px;margin-left:8px;
    white-space:nowrap;vertical-align:middle;
  }
  .ck-progress{
    display:flex;align-items:center;gap:14px;margin:16px 0 0;
    padding:14px 18px;border-radius:var(--radius);background:var(--callout-bg);
    border-left:5px solid var(--navy);transition:background .2s,border-color .2s;
  }
  .ck-progress.ready{background:var(--green-bg);border-left-color:var(--green);}
  .ck-bar{flex:1;height:8px;background:#dfe1e4;border-radius:20px;overflow:hidden;}
  .ck-fill{height:100%;width:0;background:var(--navy);border-radius:20px;transition:width .35s ease;}
  .ck-progress.ready .ck-fill{background:var(--green);}
  .ck-status{font-weight:700;font-size:14.5px;color:var(--navy);white-space:nowrap;}
  .ck-progress.ready .ck-status{color:var(--green);}

  /* Fee calculator */
  .calc{border:1px solid var(--card-border);border-radius:var(--radius);overflow:hidden;}
  .calc{width:100%; overflow-x:auto; -webkit-overflow-scrolling: touch;}
  table.fees{width:100%;border-collapse:collapse;font-size:14.5px;}
  table.fees thead th{
    background:var(--navy);color:#fff;font-weight:700;text-align:right;
    padding:11px 12px;font-size:12.5px;letter-spacing:.3px;
  }
  table.fees thead th:first-child{text-align:left;}
  table.fees tbody td{padding:11px 12px;border-bottom:1px solid var(--card-border);text-align:right;vertical-align:middle;}
  table.fees tbody td:first-child{text-align:left;color:var(--ink);}
  table.fees tbody tr:nth-child(even){background:#fafafb;}
  .doc-name{font-weight:700;color:var(--navy);}
  .doc-form{display:block;font-size:12px;color:var(--muted);font-weight:400;margin-top:1px;}
  .pg-stepper{display:inline-flex;align-items:center;border:1px solid var(--card-border);border-radius:6px;overflow:hidden;}
  .pg-stepper button{
    width:26px;height:28px;border:0;background:#fff;color:var(--navy);font-size:16px;
    cursor:pointer;font-family:inherit;line-height:1;
  }
  .pg-stepper button:hover{background:#f0f1f3;}
  .pg-stepper button:disabled{color:#c3c7cb;cursor:not-allowed;background:#fff;}
  .pg-stepper .pg-val{width:30px;text-align:center;font-weight:700;color:var(--ink);font-size:14px;}
  .num{font-variant-numeric:tabular-nums;}
  .row-total{font-weight:700;color:var(--navy);}
  table.fees tfoot td{
    padding:14px 12px;font-weight:900;font-size:16px;color:var(--navy);
    border-top:2px solid var(--navy);text-align:right;background:#fbfbfc;
  }
  table.fees tfoot td:first-child{text-align:left;}
  .grand{color:var(--maroon);font-size:20px;}
  .calc-note{padding:12px 14px;font-size:13px;color:var(--muted);background:#fafafb;border-top:1px solid var(--card-border);}
  .calc-note strong{color:var(--ink);}

  /* Footer buttons */
  .actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:40px;}
  .btn{
    font-family:inherit;font-size:15px;font-weight:700;
    padding:13px 22px;border-radius:6px;cursor:pointer;text-decoration:none;
    display:inline-flex;align-items:center;gap:8px;transition:background .15s,border-color .15s;
  }
  .btn-primary{background:var(--maroon);color:#fff;border:1px solid var(--maroon);}
  .btn-primary:hover{background:var(--maroon-dark);border-color:var(--maroon-dark);color:#fff;}
  .btn-secondary{background:#fff;color:var(--ink);border:1px solid var(--card-border);}
  .btn-secondary:hover{background:#f7f7f8;color:var(--ink);}

  .mock-flag{
    max-width:860px;margin:0 auto;padding:0 24px;
  }
  .mock-flag span{
    display:inline-block;margin-top:18px;font-size:11.5px;font-weight:700;letter-spacing:.5px;
    text-transform:uppercase;color:var(--muted);background:var(--yellow-bg);
    border:1px solid #ecdfb0;border-radius:20px;padding:4px 12px;
  }

  :focus-visible{outline:3px solid #9fc0e8;outline-offset:2px;border-radius:4px;}

  @media (max-width:620px){
    .form-card{grid-template-columns:1fr;}
    .dl-btn{grid-column:1;grid-row:auto;justify-self:start;margin-top:6px;}
    table.fees{font-size:13px;}
    table.fees thead th,table.fees tbody td{padding:9px 8px;}
    .sec-h{flex-wrap:wrap;gap:8px;}
  }
  @media (prefers-reduced-motion:reduce){
    *{transition:none!important;scroll-behavior:auto!important;}
  }