* { margin: 0; padding: 0; box-sizing: border-box; }

body {
    font-family: -apple-system, 'Segoe UI', Roboto, Arial, sans-serif;
    background: #f5f7fa;
    color: #1a1a1a;
    line-height: 1.6;
}

.container { max-width: 1200px; margin: 0 auto; padding: 0 20px; }

.topbar {
    background: #002d62;
    color: #fff;
    font-size: 12px;
    padding: 8px 0;
}
.topbar .container {
    display: flex;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 10px;
}

header {
    background: #fff;
    border-bottom: 3px solid #f58220;
    padding: 16px 0;
}
.logo {
    display: flex;
    align-items: center;
    gap: 12px;
}
.logo-mark {
    width: 40px;
    height: 40px;
    background: linear-gradient(135deg, #002d62, #004a99);
    color: #f58220;
    font-weight: 900;
    font-size: 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 6px;
}
.logo span {
    font-size: 22px;
    font-weight: 700;
    color: #002d62;
}

.alert-banner {
    background: #fef3c7;
    border-left: 4px solid #d97706;
    padding: 14px 0;
    font-size: 14px;
    color: #78350f;
}

.main-container {
    max-width: 1000px;
    margin: 40px auto;
    padding: 0 20px;
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 24px;
}

.card {
    background: #fff;
    border-radius: 10px;
    padding: 40px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.06);
}
.card-header {
    margin-bottom: 28px;
    padding-bottom: 20px;
    border-bottom: 1px solid #eee;
}
.card-header h1 {
    font-size: 24px;
    color: #002d62;
    margin-bottom: 8px;
}
.card-header p {
    color: #666;
    font-size: 14px;
}

.stage.hidden { display: none; }

.form-group {
    margin-bottom: 18px;
}
.form-group label {
    display: block;
    font-size: 13px;
    color: #555;
    margin-bottom: 6px;
    font-weight: 600;
}
.form-group input {
    width: 100%;
    padding: 14px;
    border: 1.5px solid #ddd;
    border-radius: 6px;
    font-size: 16px;
    transition: border-color 0.2s;
}
.form-group input:focus {
    outline: none;
    border-color: #002d62;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.btn {
    width: 100%;
    background: #f58220;
    color: #fff;
    border: none;
    padding: 16px;
    border-radius: 6px;
    font-size: 16px;
    font-weight: 700;
    cursor: pointer;
    margin-top: 10px;
    transition: background 0.2s;
}
.btn:hover { background: #e0721a; }

.verifying-box {
    text-align: center;
    padding: 20px 0;
}
.spinner {
    width: 50px;
    height: 50px;
    border: 4px solid #eee;
    border-top-color: #002d62;
    border-radius: 50%;
    margin: 0 auto 20px;
    animation: spin 0.8s linear infinite;
}
@keyframes spin {
    to { transform: rotate(360deg); }
}
.progress-bar {
    width: 100%;
    height: 8px;
    background: #eee;
    border-radius: 4px;
    margin-top: 16px;
    overflow: hidden;
}
.progress-fill {
    height: 100%;
    background: linear-gradient(90deg, #f58220, #ffa94d);
    width: 0%;
    transition: width 0.1s linear;
}

.sidebar .ad {
    background: #fff;
    padding: 24px;
    border-radius: 10px;
    box-shadow: 0 2px 10px rgba(0,0,0,0.05);
    margin-bottom: 20px;
}
.ad-label {
    font-size: 10px;
    color: #999;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 8px;
}
.sidebar .ad strong {
    color: #002d62;
    display: block;
    margin-bottom: 6px;
}
.sidebar .ad p {
    font-size: 13px;
    color: #666;
}

.trust-badges {
    background: #fff;
    padding: 20px;
    border-radius: 10px;
    font-size: 13px;
    color: #16a34a;
    font-weight: 600;
    line-height: 2;
}

footer {
    background: #002d62;
    color: #fff;
    text-align: center;
    padding: 30px 20px;
    font-size: 13px;
    margin-top: 60px;
}
footer p { margin: 4px 0; opacity: 0.8; }

@media (max-width: 768px) {
    .main-container { grid-template-columns: 1fr; }
    .card { padding: 24px; }
    .form-row { grid-template-columns: 1fr; }
}