:root {
  --navy: #0b1f33;
  --navy-2: #12344d;
  --gold: #cd9c27;
  --gold-soft: #e8c56a;
  --bg: #f6f4ef;
  --card: #ffffff;
  --muted: #5b6b7a;
  --line: #e6e1d6;
  --ok: #1b7a4a;
  --err: #b42318;
  --radius: 16px;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: Poppins, Arial, sans-serif;
  color: var(--navy);
  background: var(--bg);
  line-height: 1.5;
}

.wrap {
  width: min(1120px, calc(100% - 32px));
  margin: 0 auto;
}

.site-header { background: #071320; color: #fff; position: relative; z-index: 80; }
.site-header .wrap { width: min(1280px, calc(100% - 32px)); }
.util { background: #050d16; font-size: 13px; }
.util .wrap {
  display: flex;
  flex-wrap: wrap;
  gap: 14px 22px;
  padding: 8px 0;
}
.util a { color: var(--gold-soft); text-decoration: none; }
.bar { position: relative; }
.bar-inner {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 10px 0;
}
.logo img { display: block; height: 58px; width: auto; }
.nav { margin-left: auto; }
.nav ul {
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav > ul {
  display: flex;
  align-items: center;
  gap: 2px;
}
.nav li { position: relative; }
.nav a, .nav .nav-off {
  display: block;
  color: #fff;
  text-decoration: none;
  font-size: 14px;
  font-weight: 500;
  padding: 10px 11px;
  white-space: nowrap;
}
.nav .nav-off { color: rgba(255,255,255,.45); cursor: default; }
.nav li > ul {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 250px;
  background: #0d2236;
  padding: 8px 0;
  z-index: 90;
  box-shadow: none;
}
.nav li > ul ul { top: 0; left: 100%; }
.nav li:hover > ul,
.nav li:focus-within > ul,
.nav li.open > ul { display: block; }
.cta {
  background: var(--gold);
  color: var(--navy) !important;
  text-decoration: none;
  font-weight: 600;
  font-size: 13px;
  padding: 10px 14px;
  border-radius: 6px;
  white-space: nowrap;
  flex: 0 0 auto;
}
.nav-toggle {
  display: none;
  margin-left: auto;
  background: transparent;
  color: #fff;
  border: 1px solid rgba(255,255,255,.3);
  border-radius: 6px;
  padding: 8px 12px;
  font: 600 13px Poppins, Arial, sans-serif;
}

.hero {
  padding: 36px 0 12px;
  text-align: center;
}
.hero h1 {
  margin: 0 0 8px;
  font-size: clamp(26px, 4vw, 40px);
  color: var(--navy-2);
}
.hero p { margin: 0; color: var(--muted); }

.panel {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 24px;
  padding: 28px;
  margin: 20px auto 48px;
}

.progress {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
  margin-bottom: 28px;
}
.progress button {
  border: 0;
  background: transparent;
  padding: 0 0 10px;
  border-bottom: 3px solid var(--line);
  color: #9aa7b2;
  font: 600 13px/1.2 Poppins, Arial, sans-serif;
}
.progress button.on {
  color: var(--navy);
  border-bottom-color: var(--gold);
}

.step { display: none; }
.step.on { display: block; }

h2, h3 { margin: 0 0 12px; }
.field-title {
  display: block;
  white-space: nowrap;
}
.field-title .req,
h2 .req { color: #c1121f; white-space: nowrap; }
.req { color: #c1121f; }

.chips {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 8px 0 18px;
}
.chips label {
  border: 1px solid var(--navy);
  border-radius: 999px;
  padding: 8px 14px;
  cursor: pointer;
  font-size: 14px;
}
.chips input { display: none; }
.chips label:has(input:checked) {
  background: var(--navy);
  color: #fff;
}

.grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
label.field {
  display: flex;
  flex-direction: column;
  gap: 6px;
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 14px;
}
input, select, textarea {
  font: 400 15px Poppins, Arial, sans-serif;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: #fafafa;
  color: var(--navy);
}
textarea { min-height: 70px; resize: vertical; }

.actions {
  display: flex;
  justify-content: flex-end;
  gap: 10px;
  margin-top: 18px;
}
button.btn, a.btn {
  appearance: none;
  border: 0;
  border-radius: 8px;
  padding: 12px 28px;
  font: 600 15px Poppins, Arial, sans-serif;
  cursor: pointer;
  text-decoration: none;
  display: inline-block;
}
button.btn.gold, a.btn.gold { background: var(--gold); color: var(--navy); }
button.btn.ghost { background: #fff; border: 1px solid var(--line); color: var(--navy); }
button.btn:disabled { opacity: 0.5; cursor: not-allowed; }

.err { color: var(--err); font-size: 13px; min-height: 18px; }
.note { color: var(--muted); font-size: 13px; font-weight: 400; }

.offer {
  background: #d7b056;
  border-radius: 14px;
  padding: 22px;
  text-align: center;
  margin: 8px 0 24px;
}
.offer .old {
  color: #fff;
  text-decoration: line-through;
  font-size: 22px;
}
.offer .now {
  font-size: clamp(22px, 3vw, 32px);
  font-weight: 700;
  color: var(--navy);
  margin: 4px 0;
}
.offer .save { color: var(--ok); font-weight: 600; }

.result-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}
.result-grid ul {
  margin: 0;
  padding: 0;
  list-style: none;
}
.result-grid li {
  padding: 6px 0 6px 28px;
  position: relative;
}
.result-grid li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 4px;
  color: var(--gold);
  font-weight: 700;
}

.review { display: grid; gap: 8px; }
.review div {
  display: grid;
  grid-template-columns: 180px 1fr;
  gap: 8px;
  font-size: 14px;
}
.review dt { color: var(--muted); }
.review dd { margin: 0; font-weight: 600; }

.disclaimer { color: var(--muted); font-size: 13px; margin-top: 18px; }

.hp { position: absolute; left: -9999px; height: 0; overflow: hidden; }

.foot {
  text-align: center;
  color: var(--muted);
  font-size: 13px;
  padding: 0 0 40px;
}

@media (max-width: 800px) {
  .grid-2, .result-grid { grid-template-columns: 1fr; }
  .progress { grid-template-columns: 1fr 1fr; }
  .review div { grid-template-columns: 1fr; }
  .panel { padding: 18px; }
  .field-title { white-space: normal; }
}

@media (max-width: 991px) {
  .nav-toggle { display: inline-block; }
  .cta { display: none; }
  .nav {
    display: none;
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    background: #0d2236;
    margin: 0;
    padding: 8px 16px 16px;
    z-index: 90;
    max-height: calc(100vh - 80px);
    overflow: auto;
  }
  .nav-open .nav { display: block; }
  .nav > ul { flex-direction: column; align-items: stretch; }
  .nav li > ul {
    position: static;
    display: none;
    min-width: 0;
    padding-left: 12px;
    background: #091a2b;
  }
  .nav li:hover > ul,
  .nav li:focus-within > ul { display: none; }
  .nav li.open > ul { display: block; }
  .nav a, .nav .nav-off { white-space: normal; }
}