:root{--navy:#21466e;--navy-deep:#16314e;--brick:#bf4b34;--brown:#6e4a2c;--ink:#1b2a3d;--line:#e7e9ee;--bg:#f7f6f4}*{box-sizing:border-box}body{font-family:ui-sans-serif,system-ui,-apple-system,sans-serif;margin:0;color:var(--ink);background:var(--bg)}.brandbar{background:#fff;border-bottom:3px solid var(--brick);text-align:center;padding:20px 16px}.brandbar img{height:84px;width:auto}.brandbar .sub{color:var(--navy);font-family:Georgia,Times New Roman,serif;letter-spacing:.04em;font-size:13px;margin-top:6px;text-transform:uppercase}.container{max-width:820px;margin:0 auto;padding:28px 20px 56px}.wide{max-width:1100px}h1{font-size:26px}h1,h2{font-family:Georgia,Times New Roman,serif;color:var(--navy)}h2{font-size:19px;margin-top:30px;border-bottom:2px solid var(--line);padding-bottom:6px}label{display:block;font-weight:600;font-size:14px;margin:14px 0 4px}.req{color:var(--brick)}input,select,textarea{width:100%;padding:9px 10px;border:1px solid #c8ccd2;border-radius:8px;font-size:14px;background:#fff}input:focus,select:focus,textarea:focus{outline:2px solid var(--navy);border-color:var(--navy)}.row{display:grid;grid-template-columns:1fr 1fr;grid-gap:16px;gap:16px}.check{display:flex;gap:8px;align-items:flex-start;font-weight:400;margin:10px 0}.check input{width:auto;margin-top:3px}.explain{margin-top:8px;padding-left:12px;border-left:3px solid var(--brick)}button.primary{margin-top:26px;background:var(--brick);color:#fff;border:none;padding:12px 22px;border-radius:8px;font-size:15px;font-weight:600;cursor:pointer}button.primary:hover{background:#a83d28}.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px;margin:12px 0}.muted{color:#667;font-size:14px}.field-hint{color:#667;font-size:13px;margin-top:6px}.err{background:#fdecea;border:1px solid #f5c6cb;color:#a12;padding:10px 12px;border-radius:8px;margin:12px 0;font-size:14px}a{color:var(--navy)}table{width:100%;border-collapse:collapse;font-size:14px;background:#fff}th{color:var(--navy)}td,th{text-align:left;padding:8px 10px;border-bottom:1px solid var(--line)}.badge{font-size:12px;padding:2px 8px;border-radius:999px;background:#eef2f7;color:var(--navy)}.decision-banner{border-radius:10px;padding:12px 16px;margin:12px 0 18px;border:1px solid var(--line)}.decision-banner ul{margin:8px 0 0;padding-left:20px;font-size:14px}.banner-clear{background:#eaf6ec;border-color:#bfe3c6}.banner-refer{background:#fdf4e3;border-color:#f2dca6}.banner-decline{background:#fdecea;border-color:#f5c6cb}.panel-disabled{opacity:.5;pointer-events:none}button.linklike{background:none;border:none;padding:0;margin:0;color:var(--navy);font:inherit;text-decoration:underline;cursor:pointer}.modal-overlay{position:fixed;inset:0;z-index:50;display:flex;align-items:center;justify-content:center;padding:20px;background:rgba(22,49,78,.45)}.modal{background:#fff;border-radius:12px;border-top:4px solid var(--brick);max-width:460px;width:100%;padding:22px 24px;box-shadow:0 18px 50px rgba(22,49,78,.28)}.modal h3{font-family:Georgia,Times New Roman,serif;color:var(--brick);margin:0 0 10px;font-size:19px}.modal p{margin:0 0 8px}.modal p,.modal ul{color:var(--ink);font-size:14px}.modal ul{margin:8px 0 4px;padding-left:20px;max-height:240px;overflow-y:auto}.modal ul li{margin:3px 0}.modal button.primary{margin-top:16px}.combo{position:relative}.combo-list{position:absolute;z-index:20;left:0;right:0;margin:4px 0 0;padding:4px;list-style:none;background:#fff;border:1px solid #c8ccd2;border-radius:8px;box-shadow:0 6px 20px rgba(22,49,78,.12);max-height:260px;overflow-y:auto}.combo-option{display:block;width:100%;text-align:left;padding:8px 10px;border:none;border-radius:6px;background:transparent;font-size:14px;color:var(--ink);cursor:pointer}.combo-option.is-highlighted,.combo-option:focus,.combo-option:hover{background:#eef2f7;color:var(--navy);outline:none}.combo-empty{padding:8px 10px;font-size:14px}