:root {
      --navy: #0D1B2A;
      --deep: #132237;
      --gold: #C9A84C;
      --gold-light: #E8C97A;
      --cream: #F7F3EC;
      --white: #FFFFFF;
      --gray: #6B7280;
      --light-gray: #F1EDE6;
      --border: #E2D9CC;
      --text: #1C2B3A;
    }

    html { scroll-behavior: smooth; }

    body {
      font-family: 'DM Sans', sans-serif;
      color: var(--text);
      background: var(--white);
      line-height: 1.75;
      font-size: 16px;
    }


    /* ── HERO ── */
    .hero {
      background: linear-gradient(135deg, var(--navy) 0%, #1a3050 60%, #0f2640 100%);
      color: var(--white);
      padding: 90px 5% 80px;
      position: relative;
      overflow: hidden;
    }
    .hero::before {
      content: '';
      position: absolute;
      top: -60px; right: -60px;
      width: 450px; height: 450px;
      border: 60px solid rgba(201,168,76,0.08);
      border-radius: 50%;
    }
    .hero::after {
      content: '';
      position: absolute;
      bottom: -80px; left: 5%;
      width: 300px; height: 300px;
      border: 40px solid rgba(201,168,76,0.06);
      border-radius: 50%;
    }
    .hero-inner { max-width: 760px; position: relative; z-index: 2; }
    .hero-badge {
      display: inline-block;
      background: rgba(201,168,76,0.15);
      border: 1px solid var(--gold);
      color: var(--gold-light);
      font-size: 0.78rem;
      font-weight: 600;
      letter-spacing: 2px;
      text-transform: uppercase;
      padding: 6px 16px;
      border-radius: 40px;
      margin-bottom: 22px;
    }
    .hero h1 {
      font-family: 'Playfair Display', serif;
      font-size: clamp(2.1rem, 5vw, 3.4rem);
      font-weight: 900;
      line-height: 1.2;
      margin-bottom: 22px;
    }
    .hero h1 em {
      font-style: normal;
      color: var(--gold);
    }
    .hero p {
      font-size: 1.1rem;
      color: rgba(255,255,255,0.82);
      max-width: 620px;
      margin-bottom: 36px;
      font-weight: 300;
      line-height: 1.8;
    }
    .hero-cta {
      display: flex;
      gap: 16px;
      flex-wrap: wrap;
    }
    .btn-primary {
      background: var(--gold);
      color: var(--navy);
      padding: 15px 34px;
      border-radius: 6px;
      font-weight: 700;
      font-size: 0.95rem;
      text-decoration: none;
      transition: background 0.25s, transform 0.2s;
      display: inline-block;
    }
    .btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); }
    .btn-outline {
      background: transparent;
      color: var(--white);
      border: 2px solid rgba(255,255,255,0.4);
      padding: 14px 32px;
      border-radius: 6px;
      font-weight: 600;
      font-size: 0.95rem;
      text-decoration: none;
      transition: border-color 0.25s, color 0.25s;
      display: inline-block;
    }
    .btn-outline:hover { border-color: var(--gold); color: var(--gold); }
    .hero-stats {
      display: flex;
      gap: 40px;
      margin-top: 52px;
      flex-wrap: wrap;
    }
    .stat { border-left: 2px solid var(--gold); padding-left: 16px; }
    .stat-num {
      font-family: 'Playfair Display', serif;
      font-size: 2rem;
      font-weight: 700;
      color: var(--gold-light);
      line-height: 1;
    }
    .stat-label { font-size: 0.8rem; color: rgba(255,255,255,0.6); margin-top: 4px; }

    /* ── SECTION COMMON ── */
    section { padding: 72px 5%; }
    .section-label {
      font-size: 0.75rem;
      font-weight: 700;
      letter-spacing: 2.5px;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 10px;
    }
    h2 {
      font-family: 'Playfair Display', serif;
      font-size: clamp(1.7rem, 3.5vw, 2.5rem);
      font-weight: 700;
      line-height: 1.25;
      color: var(--navy);
      margin-bottom: 18px;
    }
    .lead {
      font-size: 1.05rem;
      color: var(--gray);
      line-height: 1.85;
    }
    .divider {
      width: 60px; height: 3px;
      background: var(--gold);
      margin: 18px 0 32px;
      border-radius: 2px;
    }

    /* ── OVERVIEW ── */
    .overview { background: var(--cream); }
    .overview-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 48px;
      margin-top: 40px;
      align-items: start;
    }
    .overview-text p { color: #3a4a5c; line-height: 1.9; margin-bottom: 16px; }
    .overview-card {
      background: var(--navy);
      color: var(--white);
      padding: 36px;
      border-radius: 12px;
      border-top: 4px solid var(--gold);
    }
    .overview-card h3 {
      font-family: 'Playfair Display', serif;
      font-size: 1.3rem;
      color: var(--gold-light);
      margin-bottom: 20px;
    }
    .quick-facts li {
      list-style: none;
      padding: 10px 0;
      border-bottom: 1px solid rgba(255,255,255,0.1);
      font-size: 0.92rem;
      color: rgba(255,255,255,0.85);
      display: flex;
      justify-content: space-between;
    }
    .quick-facts li:last-child { border-bottom: none; }
    .quick-facts li strong { color: var(--gold-light); font-weight: 600; }

    /* ── WHAT IS ── */
    .what-is { background: var(--white); }
    .what-is-content { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; margin-top: 32px; }
    .what-is-content p { color: #3a4a5c; line-height: 1.9; margin-bottom: 14px; }
    .highlight-box {
      background: linear-gradient(135deg, #f0ebe1, #e8dece);
      border-left: 4px solid var(--gold);
      padding: 24px 28px;
      border-radius: 0 8px 8px 0;
      margin-top: 24px;
    }
    .highlight-box p { color: var(--navy); font-weight: 500; margin: 0; font-style: italic; }

    /* ── BENEFITS ── */
    .benefits { background: var(--navy); }
    .benefits h2, .benefits .section-label { color: var(--gold-light); }
    .benefits .divider { background: var(--gold); }
    .benefits .lead { color: rgba(255,255,255,0.7); }
    .benefits-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 24px;
      margin-top: 40px;
    }
    .benefit-card {
      background: rgba(255,255,255,0.05);
      border: 1px solid rgba(201,168,76,0.2);
      border-radius: 10px;
      padding: 30px 26px;
      transition: background 0.3s, border-color 0.3s;
    }
    .benefit-card:hover {
      background: rgba(201,168,76,0.08);
      border-color: var(--gold);
    }
    .benefit-icon {
      font-size: 2rem;
      margin-bottom: 16px;
      display: block;
    }
    .benefit-card h3 {
      font-family: 'Playfair Display', serif;
      font-size: 1.1rem;
      color: var(--gold-light);
      margin-bottom: 10px;
    }
    .benefit-card p { font-size: 0.9rem; color: rgba(255,255,255,0.7); line-height: 1.75; }

    /* ── ELIGIBILITY ── */
    .eligibility { background: var(--light-gray); }
    .eligibility-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; margin-top: 36px; }
    .criteria-list { list-style: none; }
    .criteria-list li {
      display: flex;
      align-items: flex-start;
      gap: 14px;
      padding: 14px 0;
      border-bottom: 1px solid var(--border);
      font-size: 0.95rem;
      color: #3a4a5c;
      line-height: 1.6;
    }
    .criteria-list li:last-child { border-bottom: none; }
    .check {
      width: 22px; height: 22px;
      background: var(--gold);
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      flex-shrink: 0;
      margin-top: 1px;
      font-size: 0.7rem;
      color: var(--navy);
      font-weight: 800;
    }
    .disqualification {
      background: #fff8f0;
      border: 1px solid #f0d9b5;
      border-radius: 10px;
      padding: 28px;
    }
    .disqualification h3 {
      font-family: 'Playfair Display', serif;
      font-size: 1.1rem;
      color: #8B4513;
      margin-bottom: 16px;
    }
    .disqualification ul { padding-left: 18px; }
    .disqualification ul li { color: #5a3e28; font-size: 0.92rem; margin-bottom: 10px; line-height: 1.6; }

    /* ── DOCUMENTS ── */
    .documents { background: var(--white); }
    .docs-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; margin-top: 36px; }
    .doc-category {
      background: var(--cream);
      border-radius: 10px;
      padding: 28px;
      border-top: 3px solid var(--gold);
    }
    .doc-category h3 {
      font-family: 'Playfair Display', serif;
      font-size: 1.05rem;
      color: var(--navy);
      margin-bottom: 16px;
    }
    .doc-category ul { padding-left: 18px; }
    .doc-category ul li { font-size: 0.9rem; color: #4a5568; margin-bottom: 9px; line-height: 1.55; }

    /* ── PROCESS ── */
    .process { background: var(--cream); }
    .steps { margin-top: 40px; position: relative; }
    .steps::before {
      content: '';
      position: absolute;
      left: 28px; top: 0; bottom: 0;
      width: 2px;
      background: linear-gradient(to bottom, var(--gold), transparent);
    }
    .step {
      display: flex;
      gap: 28px;
      margin-bottom: 32px;
      position: relative;
    }
    .step-num {
      width: 58px; height: 58px;
      background: var(--navy);
      color: var(--gold);
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      font-family: 'Playfair Display', serif;
      font-size: 1.3rem;
      font-weight: 700;
      flex-shrink: 0;
      border: 2px solid var(--gold);
      z-index: 1;
    }
    .step-content { padding-top: 8px; }
    .step-content h3 {
      font-family: 'Playfair Display', serif;
      font-size: 1.1rem;
      color: var(--navy);
      margin-bottom: 8px;
    }
    .step-content p { font-size: 0.93rem; color: #4a5568; line-height: 1.75; }

    /* ── VALIDITY ── */
    .validity { background: var(--white); }
    .validity-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; margin-top: 36px; }
    .validity-card {
      border: 1px solid var(--border);
      border-radius: 10px;
      padding: 32px;
    }
    .validity-card h3 {
      font-family: 'Playfair Display', serif;
      font-size: 1.15rem;
      color: var(--navy);
      margin-bottom: 16px;
      padding-bottom: 12px;
      border-bottom: 2px solid var(--gold);
    }
    .validity-card p, .validity-card li { font-size: 0.93rem; color: #4a5568; line-height: 1.8; margin-bottom: 10px; }
    .validity-card ul { padding-left: 18px; }

    /* ── WHY CHOOSE ── */
    .why-choose { background: linear-gradient(135deg, #0a1628, #132237); }
    .why-choose h2 { color: var(--white); }
    .why-choose .section-label { color: var(--gold); }
    .why-choose .lead { color: rgba(255,255,255,0.65); }
    .why-choose .divider { background: var(--gold); }
    .features-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; margin-top: 36px; }
    .feature-item {
      background: rgba(255,255,255,0.04);
      border: 1px solid rgba(255,255,255,0.08);
      border-radius: 10px;
      padding: 26px;
      display: flex;
      gap: 18px;
      transition: background 0.3s;
    }
    .feature-item:hover { background: rgba(201,168,76,0.07); border-color: rgba(201,168,76,0.3); }
    .feature-icon { font-size: 1.8rem; flex-shrink: 0; }
    .feature-item h3 { font-size: 1rem; font-weight: 600; color: var(--gold-light); margin-bottom: 6px; }
    .feature-item p { font-size: 0.88rem; color: rgba(255,255,255,0.6); line-height: 1.7; }

    /* ── FAQ ── */
    .faq { background: var(--cream); }
    .faq-list { 
        margin-top: 36px;
        max-width: 1000px;
        margin: 0 auto;
     }
    .faq-item {
      border: 1px solid var(--border);
      border-radius: 8px;
      margin-bottom: 14px;
      background: var(--white);
      overflow: hidden;
    }
    .faq-q {
      padding: 20px 24px;
      cursor: pointer;
      font-weight: 600;
      color: var(--navy);
      display: flex;
      justify-content: space-between;
      align-items: center;
      font-size: 0.97rem;
      user-select: none;
    }
    .faq-q::after {
      content: '+';
      font-size: 1.4rem;
      color: var(--gold);
      font-weight: 400;
      flex-shrink: 0;
      margin-left: 12px;
      transition: transform 0.3s;
    }
    .faq-item.open .faq-q::after { transform: rotate(45deg); }
    .faq-a {
      display: none;
      padding: 0 24px 20px;
      color: #4a5568;
      font-size: 0.93rem;
      line-height: 1.85;
      border-top: 1px solid var(--border);
      padding-top: 16px;
    }
    .faq-item.open .faq-a { display: block; }

    /* ── CTA BANNER ── */
    .cta-banner {
      background: var(--gold);
      padding: 60px 5%;
      text-align: center;
    }
    .cta-banner h2 {
      font-family: 'Playfair Display', serif;
      font-size: clamp(1.6rem, 3vw, 2.4rem);
      color: var(--navy);
      margin-bottom: 14px;
    }
    .cta-banner p { color: rgba(13,27,42,0.75); max-width: 560px; margin: 0 auto 30px; font-size: 1rem; }
    .btn-dark {
      background: var(--navy);
      color: var(--white);
      padding: 15px 38px;
      border-radius: 6px;
      font-weight: 700;
      text-decoration: none;
      font-size: 0.95rem;
      display: inline-block;
      transition: background 0.25s;
    }
    .btn-dark:hover { background: #1a3050; }

    /* ── RESPONSIVE ── */
    @media (max-width: 860px) {
      .overview-grid, .what-is-content, .eligibility-layout,
      .validity-grid, .features-grid, .docs-grid { grid-template-columns: 1fr; }
      .benefits-grid { grid-template-columns: 1fr 1fr; }
      nav .nav-links { display: none; }
    }
    @media (max-width: 560px) {
      .benefits-grid { grid-template-columns: 1fr; }
      .hero-stats { gap: 24px; }
    }