*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Open Sans',sans-serif;font-size:14px;color:#222;background:#fff;line-height:1.6}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%}

.top-bar{background:#2C4983;color:rgba(255,255,255,.82);font-size:12px;padding:5px 0}
.top-bar-inner{max-width:1200px;margin:0 auto;padding:0 24px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:6px}
.top-bar a{color:rgba(255,255,255,.82);margin-left:10px}
.top-bar a:hover{color:#fff}
.top-bar .social a{margin:0 4px;font-size:14px}

.main-nav{background:#fff;border-bottom:2px solid #e8ecf4;position:sticky;top:0;z-index:900;box-shadow:0 1px 6px rgba(0,0,0,.07)}
.nav-inner{max-width:1200px;margin:0 auto;padding:0 16px 0 20px;display:flex;align-items:center;justify-content:space-between;min-height:60px;gap:12px}
.nav-logo{flex-shrink:0}
.nav-logo img{height:42px;width:auto}
.nav-toggle{display:none;align-items:center;justify-content:center;gap:6px;min-width:44px;min-height:44px;padding:0 12px;border:1.5px solid #dde3f0;border-radius:10px;background:#fff;color:#2C4983;font-size:13px;font-weight:700;font-family:inherit;cursor:pointer}
.nav-toggle i{font-size:20px}
.nav-toggle[aria-expanded="true"]{background:#f0f3fa;border-color:#2C4983}
.nav-menu{display:flex;align-items:center;gap:2px;flex-wrap:wrap;justify-content:flex-end}
.nav-menu a{font-size:13px;font-weight:600;color:#333;padding:10px 12px;border-radius:8px;transition:background .15s,color .15s;white-space:nowrap}
.nav-menu a:hover{background:#f0f3fa;color:#2C4983}
.nav-menu a.nav-ext::after{content:"";display:inline-block;width:10px;height:10px;margin-left:4px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='%232C4983' viewBox='0 0 24 24'%3E%3Cpath d='M14 3h7v7h-2V6.41l-9.29 9.3-1.42-1.42 9.3-9.29H14V3z'/%3E%3C/svg%3E") center/contain no-repeat;vertical-align:-1px;opacity:.55}

.announce{background:#f5f7fb;border-bottom:1px solid #e0e6f0;padding:12px 20px;text-align:center;font-size:13px;color:#2C4983;font-weight:600;line-height:1.5}
.announce span{background:#2C4983;color:#fff;font-size:11px;font-weight:700;padding:3px 10px;border-radius:12px;margin-right:8px;letter-spacing:.3px;text-transform:uppercase;display:inline-block;vertical-align:middle}
.announce-text{display:inline;vertical-align:middle}

.welcome{max-width:1200px;margin:0 auto;padding:44px 24px 36px;display:flex;align-items:flex-start;gap:40px;flex-wrap:wrap}
.welcome-text{flex:1;min-width:260px}
.welcome-text .kicker{font-size:11px;font-weight:700;color:#2C4983;letter-spacing:.8px;text-transform:uppercase;margin-bottom:10px}
.welcome-text h1{font-size:clamp(1.5rem,3.5vw,1.75rem);font-weight:700;color:#1a1a2e;line-height:1.3;margin-bottom:10px}
.welcome-text p{font-size:14px;color:#555;margin-bottom:20px;max-width:520px}
.welcome-badges{display:flex;gap:10px;flex-wrap:wrap}
.welcome-badge{display:inline-flex;align-items:center;gap:6px;background:#f0f3fa;border:1px solid #d4dcee;color:#2C4983;font-size:12px;font-weight:600;padding:5px 12px;border-radius:20px}
.welcome-badge i{font-size:14px}

.login-card-wrap{width:340px;flex-shrink:0}
.login-card{background:#fff;border:1px solid #dde3f0;border-radius:12px;padding:26px 24px;box-shadow:0 4px 20px rgba(44,73,131,.09)}
.login-card h2{font-size:1.15rem;font-weight:700;color:#1a1a2e;margin-bottom:4px}
.login-card .login-card-sub{font-size:12.5px;color:#888;margin-bottom:20px}

.login-field{margin-bottom:14px}
.login-field label{display:block;font-size:12px;font-weight:600;color:#555;margin-bottom:5px}
.login-field input{width:100%;padding:12px 14px;border:1.5px solid #dde3f0;border-radius:10px;font-size:16px;font-family:inherit;outline:none;transition:border .15s,box-shadow .15s;color:#222;background:#fafbff}
.login-field input:focus{border-color:#2C4983;box-shadow:0 0 0 3px rgba(44,73,131,.08);background:#fff}
.login-forgot{text-align:right;margin-bottom:14px}
.login-forgot a{font-size:12px;color:#2C4983;font-weight:600}
.login-forgot a:hover{text-decoration:underline}
.btn-login{width:100%;padding:13px;background:#2C4983;color:#fff;border:none;border-radius:10px;font-size:15px;font-weight:700;font-family:inherit;cursor:pointer;display:flex;align-items:center;justify-content:center;gap:7px;transition:background .15s;min-height:48px}
.btn-login:hover{background:#1a2e5a}
.login-or{text-align:center;margin:14px 0;font-size:12px;color:#aaa;position:relative}
.login-or::before,.login-or::after{content:'';position:absolute;top:50%;width:38%;height:1px;background:#e8ecf4}
.login-or::before{left:0}.login-or::after{right:0}
.btn-register{width:100%;padding:12px;background:#fff;color:#2C4983;border:1.5px solid #2C4983;border-radius:10px;font-size:15px;font-weight:700;font-family:inherit;cursor:pointer;display:flex;align-items:center;justify-content:center;gap:7px;transition:all .15s;min-height:48px}
.btn-register:hover{background:#2C4983;color:#fff}
.login-flash-error{background:#fff0f0;border:1px solid #f5c0be;border-radius:7px;color:#c0392b;font-size:13px;padding:9px 12px;margin-bottom:14px}
.login-flash-msg{background:#f0faf5;border:1px solid #b5dfc9;border-radius:7px;color:#1a6e3f;font-size:13px;padding:9px 12px;margin-bottom:14px}

.section-divider{border:none;border-top:1px solid #e8ecf4;margin:0}

.how-section{padding:44px 0;background:#fff}
.section-inner{max-width:1200px;margin:0 auto;padding:0 24px}
.section-heading{margin-bottom:24px}
.section-heading h2{font-size:22px;font-weight:700;color:#1a1a2e;margin-bottom:4px}
.section-heading p{font-size:13px;color:#666}
.how-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:0;border:1px solid #e0e6f0;border-radius:12px;overflow:hidden}
.how-step{padding:26px 22px;border-right:1px solid #e0e6f0}
.how-step:last-child{border-right:none}
.how-step-num{width:36px;height:36px;background:#2C4983;color:#fff;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:16px;font-weight:700;margin-bottom:12px}
.how-step h3{font-size:14px;font-weight:700;color:#1a1a2e;margin-bottom:6px}
.how-step p{font-size:12.5px;color:#666;line-height:1.6}

.contact-section{background:#2C4983;padding:40px 0}
.contact-inner{max-width:1200px;margin:0 auto;padding:0 24px;display:flex;gap:48px;flex-wrap:wrap}
.contact-col{flex:1;min-width:200px}
.contact-col h3{color:#fff;font-size:15px;font-weight:700;margin-bottom:16px;padding-bottom:10px;border-bottom:1px solid rgba(255,255,255,.2)}
.contact-item{display:flex;align-items:flex-start;gap:10px;margin-bottom:12px}
.contact-item i{font-size:16px;color:rgba(255,255,255,.7);width:16px;text-align:center;margin-top:1px;flex-shrink:0}
.contact-item span,.contact-item a{font-size:13px;color:rgba(255,255,255,.85);line-height:1.5}
.contact-item a:hover{color:#fff;text-decoration:underline}
.contact-social{display:flex;gap:10px;margin-top:14px;flex-wrap:wrap}
.contact-social a{width:34px;height:34px;background:rgba(255,255,255,.12);border-radius:7px;display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,.85);font-size:16px;transition:background .15s}
.contact-social a:hover{background:rgba(255,255,255,.25);color:#fff}
.contact-wa-btn{display:inline-flex;align-items:center;gap:7px;background:#25D366;color:#fff;padding:9px 16px;border-radius:8px;font-size:13px;font-weight:700;margin-top:10px;transition:background .15s}
.contact-wa-btn:hover{background:#1fba59;color:#fff}

.footer{background:#1a2e5a;color:rgba(255,255,255,.6);text-align:center;padding:14px 24px 80px;font-size:12px}
.footer a{color:rgba(255,255,255,.7)}
.footer a:hover{color:#fff}

.mobile-sticky-cta{position:fixed;left:0;right:0;bottom:0;z-index:950;display:none;padding:10px 12px calc(10px + env(safe-area-inset-bottom,0px));background:rgba(255,255,255,.96);border-top:1px solid #e0e6f0;box-shadow:0 -4px 20px rgba(16,24,40,.08);backdrop-filter:blur(10px);gap:10px;transform:translateY(110%);transition:transform .25s ease}
.mobile-sticky-cta.is-visible{display:flex;transform:translateY(0)}
.mobile-sticky-cta a{flex:1;display:flex;align-items:center;justify-content:center;gap:6px;min-height:48px;border-radius:10px;font-size:14px;font-weight:700;text-decoration:none}
.mobile-sticky-cta .msc-login{border:1.5px solid #2C4983;color:#2C4983;background:#fff}
.mobile-sticky-cta .msc-apply{background:#2C4983;color:#fff}

@media(max-width:900px){
  .welcome{flex-direction:column;gap:24px;padding:28px 16px 32px}
  .login-card-wrap{width:100%;max-width:none;order:-1}
  .welcome-text{order:0}
  .welcome-text h1 br{display:none}
  .login-card{padding:22px 18px;border-radius:14px}
  .section-inner,.top-bar-inner,.nav-inner{padding-left:16px;padding-right:16px}
  .how-steps{grid-template-columns:1fr 1fr}
  .how-step:nth-child(2){border-right:none}
  .how-step{border-bottom:1px solid #e0e6f0}
  .how-step:nth-child(3),.how-step:nth-child(4){border-bottom:none}
}
@media(max-width:768px){
  .top-bar-inner{font-size:11px;justify-content:center;text-align:center}
  .top-bar-inner>span{display:block;width:100%}
  .top-bar .social{display:none}
  .nav-toggle{display:inline-flex}
  .nav-menu{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid #e8ecf4;padding:12px 16px 16px;flex-direction:column;align-items:stretch;gap:4px;box-shadow:0 12px 24px rgba(16,24,40,.08)}
  .nav-menu.is-open{display:flex}
  .nav-menu a{padding:14px 14px;font-size:15px;border-radius:10px}
  .main-nav .nav-inner{position:relative;flex-wrap:nowrap;padding-right:12px}
  .announce{padding:14px 16px;font-size:12.5px}
  .announce span{display:block;margin:0 auto 8px;width:fit-content}
  .announce-text{display:block}
  .how-steps{grid-template-columns:1fr}
  .how-step{border-right:none!important}
  .how-step:last-child{border-bottom:none}
  .contact-inner{gap:24px}
  .contact-col{min-width:100%}
  body.has-sticky-cta .footer{padding-bottom:88px}
}
@media(min-width:769px){
  .mobile-sticky-cta{display:none!important}
}