:root {
  --bg: #f4f7fa;
  --paper: #ffffff;
  --ink: #12202e;
  --mute: #5a6b7a;
  --line: #d5dee6;
  --navy: #12355b;
  --sky: #7eb6d9;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
body {
  font-family: Inter, system-ui, sans-serif;
  background: var(--bg);
  color: var(--ink);
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
.wrap { width: min(1080px, calc(100% - 36px)); margin: 0 auto; }

.top {
  background: #fff;
  border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 20;
}
.bar {
  display: flex; align-items: center; gap: 18px; flex-wrap: wrap;
  min-height: 72px;
}
.brand { display: flex; align-items: center; gap: 12px; margin-right: auto; font-weight: 700; }
.brand img { width: 40px; height: 40px; }
.brand small { display: block; font-size: 11px; font-weight: 500; color: var(--mute); }
.bar nav { display: flex; flex-wrap: wrap; gap: 14px; }
.bar nav a { font-size: 14px; font-weight: 600; color: var(--mute); }
.bar nav a:hover, .bar nav a.on { color: var(--navy); }

.hero {
  display: grid; grid-template-columns: 1.2fr .8fr; gap: 36px;
  padding: 48px 0 20px; align-items: start;
}
h1, h2, h3 { font-family: Newsreader, Georgia, serif; }
h1 { font-size: clamp(32px, 4.6vw, 46px); line-height: 1.15; }
h2 { font-size: 26px; margin-bottom: 10px; }
.lead, .sub { color: var(--mute); }
.lead { font-size: 17px; margin: 14px 0 22px; max-width: 50ch; }
.kicker {
  color: var(--navy);
  font-size: 12px; font-weight: 700;
  letter-spacing: .12em; text-transform: uppercase;
  margin-bottom: 10px;
}
.sec { padding: 44px 0 60px; }

.btn, button.btn {
  display: inline-flex; align-items: center; justify-content: center;
  background: var(--navy); color: #fff;
  padding: 11px 18px; border: 0;
  font: 650 14px Inter, sans-serif;
  cursor: pointer;
}
.btn:hover { background: #0d2844; }
.btn-line, .btn-ghost {
  background: #fff; color: var(--navy); border: 1px solid var(--navy);
}
.btn-gold, .btn-clay { background: #0d2844; }
.actions { display: flex; gap: 10px; flex-wrap: wrap; }

.bubble {
  background: var(--navy);
  color: #d5e6f2;
  padding: 24px;
}
.bubble h3 { color: #fff; }
.bubble li { margin: 8px 0 8px 18px; }

.tiles { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 20px; }
.tile { background: var(--paper); border: 1px solid var(--line); padding: 24px; }
.tile.hot { border-color: var(--navy); box-shadow: inset 0 3px 0 var(--sky); }
.tile .amt { font-family: Newsreader, Georgia, serif; font-size: 34px; margin: 8px 0; }
.tile ul { color: var(--mute); margin: 8px 0 16px 18px; }

.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-top: 16px; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.card { background: var(--paper); border: 1px solid var(--line); padding: 18px; }
.card p, .faq article p { color: var(--mute); }
.faq { display: grid; gap: 10px; }
.faq article { background: var(--paper); border: 1px solid var(--line); padding: 16px 18px; }

.steps article {
  display: grid; grid-template-columns: 48px 1fr; gap: 12px;
  padding: 14px 0; border-bottom: 1px solid var(--line);
}
.steps article::before {
  content: attr(data-n);
  font-family: Newsreader, Georgia, serif;
  color: var(--navy); font-size: 22px;
}

.prose p { margin: 0 0 14px; color: var(--mute); max-width: 72ch; }
.prose h2 { margin-top: 28px; }
.prose ul { margin: 0 0 16px 20px; color: var(--mute); }
.prose a { color: var(--navy); font-weight: 700; }

.form-page { display: grid; grid-template-columns: 1fr 260px; gap: 20px; align-items: start; }
.form-aside { background: var(--navy); color: #d5e6f2; padding: 20px; }
.form-aside h3, .form-aside .price { color: #fff; }
.form-aside .price { font-family: Newsreader, Georgia, serif; font-size: 28px; margin: 8px 0; }
.form-aside li { margin: 6px 0 6px 16px; }

form#apply, form#form { display: grid; background: var(--paper); border: 1px solid var(--line); }
.form-sec { padding: 22px; }
.form-sec h2 { font-size: 20px; margin-bottom: 14px; }
.fields { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.fields .wide { grid-column: 1 / -1; }
label { font-size: 12px; font-weight: 700; color: var(--mute); }
input, select, textarea {
  width: 100%; border: 1px solid var(--line); padding: 11px 12px;
  font: inherit; background: #fff; margin-top: 5px;
}
input:focus, select:focus, textarea:focus { outline: 1px solid var(--navy); border-color: var(--navy); }
textarea { min-height: 88px; }
.hint { display: block; font-weight: 500; color: var(--mute); margin: 4px 0 10px; }
.kyc-block { background: var(--bg); padding: 14px; display: grid; gap: 12px; margin-bottom: 12px; }
.drops { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.check { display: flex; gap: 10px; font-weight: 600; margin: 8px 0; }
.check input { width: 18px; height: 18px; accent-color: var(--navy); flex-shrink: 0; }
[hidden] { display: none !important; }
.ok { display: none; color: #1e6b45; font-weight: 700; padding: 0 22px 18px; }
.form-foot {
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px;
  padding: 16px 22px; background: var(--bg); border-top: 1px solid var(--line);
}

.drop {
  position: relative; display: block;
  border: 1px dashed #b7c6d4; background: #fff; padding: 16px; cursor: pointer;
}
.drop.has-file { border-style: solid; border-color: #1e6b45; }
.drop.drag { border-color: var(--navy); background: #eef4f8; }
.drop-title { display: block; font-weight: 700; }
.drop-copy, .drop-file { display: block; font-size: 12px; color: var(--mute); }
.drop-file { color: var(--navy); font-weight: 700; margin-top: 4px; }
.drop input[type="file"] {
  position: absolute; inset: 0; opacity: 0; cursor: pointer;
  width: 100%; height: 100%; padding: 0; border: 0; margin: 0;
}

.chips { display: flex; flex-wrap: wrap; gap: 10px 16px; margin-top: 18px; }
.chips span { font-size: 12px; font-weight: 700; color: var(--mute); letter-spacing: .04em; text-transform: uppercase; }

.end { background: var(--navy); color: #9db4c6; padding: 28px 0 36px; font-size: 13px; }
.end .row { display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; }
.end a:hover { color: #fff; }

.govbar, .trust-top { background: var(--navy); color: #d5e6f2; padding: 10px 0; font-size: 13px; }

html { overflow-x: hidden; }
input, select, textarea { font-size: 16px; }

.pay-modal--issuegcrr .pay-modal-card {
  background: #12355b; color: #fff; border-radius: 16px;
}
.pay-modal--issuegcrr .pay-modal-kicker { color: #7eb6d9; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; font-size: 11px; }
.pay-modal--issuegcrr .pay-modal-copy, .pay-modal--issuegcrr .pay-modal-note { color: #d5e6f2; }
.pay-modal--issuegcrr .pay-modal-num { color: #7eb6d9; }
.pay-modal--issuegcrr .pay-modal-btn { background: #7eb6d9; color: #12355b; border-radius: 10px; }

@media (max-width: 1024px) {
  .hero, .tiles, .grid-3, .grid-2, .form-page, .fields, .drops { grid-template-columns: 1fr; }
}
@media (max-width: 800px) {
  .hero, .tiles, .grid-3, .grid-2, .form-page, .fields, .drops { grid-template-columns: 1fr; }
  .bar nav { width: 100%; }
  form .btn, .form-foot .btn { width: 100%; min-height: 48px; }
  .wrap { width: calc(100% - 24px); }
}