:root {
    --brand: #092d5e;
    --brand-dark: #061f42;
    --accent: #2fb7c9;
    --ink: #102033;
    --muted: #5c6678;
    --line: #d9e2e7;
    --surface: #f3f6fa;
    --soft: #edf4fb;
    --white: #ffffff;
}

html { scroll-behavior: smooth; }
body { color: var(--ink); background: var(--white); }
.navbar { min-height: 72px; }
.navbar-brand { color: var(--ink); max-width: 62vw; white-space: normal; line-height: 1.15; }
.brand-mark { display: inline-flex; gap: 10px; align-items: center; }
.brand-symbol {
    display: inline-flex;
    width: 36px;
    height: 36px;
    align-items: center;
    justify-content: center;
    border-radius: 8px;
    color: var(--white);
    background: var(--brand);
    font-weight: 900;
}
.nav-link { color: #344054; font-weight: 650; }
.btn { border-radius: 6px; font-weight: 750; }
.btn-primary {
    --bs-btn-bg: var(--brand);
    --bs-btn-border-color: var(--brand);
    --bs-btn-hover-bg: var(--brand-dark);
    --bs-btn-hover-border-color: var(--brand-dark);
}
.btn-outline-primary {
    --bs-btn-color: var(--brand);
    --bs-btn-border-color: var(--brand);
    --bs-btn-hover-bg: var(--brand);
    --bs-btn-hover-border-color: var(--brand);
}
.text-primary { color: var(--brand) !important; }

.hero-section {
    position: relative;
    min-height: 670px;
    display: flex;
    align-items: center;
    overflow: hidden;
    background: var(--brand);
}
.hero-media {
    position: absolute;
    inset: 0;
    overflow: hidden;
    background-image: url("../img/valmo-hero-bg.png");
    background-size: cover;
    background-position: center;
}
.hero-media::before {
    content: "";
    display: none;
    position: absolute;
    right: -8%;
    top: 12%;
    width: min(680px, 62vw);
    aspect-ratio: 1;
    border: 1px solid rgba(255,255,255,0.2);
    border-radius: 50%;
}
.hero-media::after {
    content: "";
    display: none;
    position: absolute;
    right: 12%;
    bottom: 8%;
    width: min(480px, 46vw);
    aspect-ratio: 1.25;
    border-radius: 16px;
    background:
        linear-gradient(90deg, rgba(255,255,255,0.12) 1px, transparent 1px),
        linear-gradient(rgba(255,255,255,0.12) 1px, transparent 1px);
    background-size: 46px 46px;
    transform: rotate(-8deg);
}
.hero-shade {
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, rgba(4, 24, 52, 0.96), rgba(9, 45, 94, 0.78), rgba(9, 45, 94, 0.32));
}
.hero-inner { position: relative; z-index: 2; }
.hero-copy { max-width: 780px; color: var(--white); padding: 96px 0; }
.eyebrow {
    margin-bottom: 12px;
    font-size: 13px;
    font-weight: 850;
    letter-spacing: 0;
    text-transform: uppercase;
}
.hero-copy h1 {
    max-width: 780px;
    margin-bottom: 22px;
    font-size: 56px;
    line-height: 1.06;
    font-weight: 850;
    letter-spacing: 0;
}
.hero-copy .lead { max-width: 690px; margin-bottom: 28px; color: #edf5ff; font-size: 20px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; }
.hero-actions .btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    min-height: 56px;
    padding: 0 24px;
    border-radius: 8px;
    box-shadow: 0 14px 34px rgba(0, 0, 0, 0.22);
    transition: transform 180ms ease, box-shadow 180ms ease, background-color 180ms ease, border-color 180ms ease;
}
.hero-actions .btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 18px 42px rgba(0, 0, 0, 0.28);
}
.hero-actions .btn i { font-size: 19px; line-height: 1; }
.btn-hero-primary {
    color: var(--brand);
    border: 1px solid #ffffff;
    background: #ffffff;
}
.btn-hero-primary:hover,
.btn-hero-primary:focus {
    color: var(--brand-dark);
    border-color: #edf5ff;
    background: #edf5ff;
}
.btn-hero-secondary {
    color: #ffffff;
    border: 1px solid rgba(255,255,255,0.52);
    background: rgba(255,255,255,0.1);
    backdrop-filter: blur(12px);
}
.btn-hero-secondary:hover,
.btn-hero-secondary:focus {
    color: #ffffff;
    border-color: rgba(255,255,255,0.86);
    background: rgba(255,255,255,0.18);
}
.hero-note { max-width: 720px; margin-top: 22px; color: #d5e2f1; font-size: 14px; }
.notice-band { padding: 16px 0; color: #092d5e; background: #edf4fb; border-bottom: 1px solid #c9d8eb; }
.status-band { padding: 14px 0; font-weight: 750; }
.status-band i { margin-right: 6px; }
.status-success { color: #092d5e; background: #edf4fb; }
.status-error { color: #7a241a; background: #fff1ef; }

.section { padding: 88px 0; }
.section-muted { background: var(--surface); }
.section-heading { max-width: 820px; margin: 0 auto 42px; text-align: center; }
.section-heading h2, .section h2 { margin-bottom: 16px; font-size: 38px; line-height: 1.18; font-weight: 850; letter-spacing: 0; }
.section-heading p, .section p { color: var(--muted); }

.info-box, .apply-card, .trust-panel, .contact-panel, .source-card, .checklist-panel {
    border: 1px solid var(--line);
    background: var(--white);
    border-radius: 8px;
}
.info-box { height: 100%; padding: 28px; }
.info-box i {
    display: inline-flex;
    width: 44px;
    height: 44px;
    align-items: center;
    justify-content: center;
    margin-bottom: 18px;
    border-radius: 8px;
    background: var(--soft);
    color: var(--brand);
    font-size: 22px;
}
.info-box h3, .trust-panel h3, .source-card h3 { margin-bottom: 10px; font-size: 20px; font-weight: 850; }
.info-box p, .trust-panel li, .source-card p { margin-bottom: 0; color: var(--muted); }
.disclaimer-line { padding: 14px 16px; border-left: 4px solid var(--brand); background: var(--soft); color: var(--ink) !important; font-weight: 750; }
.investment-table { overflow: hidden; margin-bottom: 0; border: 1px solid var(--line); border-radius: 8px; background: var(--white); }
.investment-table th { color: var(--ink); background: #e7eef7; font-size: 14px; }
.investment-table td, .investment-table th { padding: 18px; }
.checklist-panel { padding: 28px; display: grid; gap: 18px; }
.checklist-panel div { display: flex; gap: 12px; align-items: flex-start; color: var(--muted); }
.checklist-panel i { color: var(--brand); font-size: 20px; margin-top: 1px; }
.source-card { height: 100%; padding: 28px; }
.source-card a { display: inline-block; margin-top: 16px; font-weight: 800; color: var(--brand); }
.trust-panel { margin-top: 24px; padding: 24px; }
.trust-panel ul { padding-left: 20px; margin-bottom: 0; }
.apply-card {
    position: relative;
    padding: 0;
    overflow: hidden;
    box-shadow: 0 24px 60px rgba(9, 45, 94, 0.12);
}
.apply-card::before {
    content: "";
    position: absolute;
    inset: 0 0 auto;
    height: 4px;
    background: linear-gradient(90deg, var(--brand), var(--accent));
}
.form-card-head {
    display: flex;
    gap: 14px;
    align-items: center;
    padding: 28px 30px 22px;
    border-bottom: 1px solid var(--line);
    background: linear-gradient(135deg, #ffffff, #f5f9fd);
}
.form-card-icon {
    display: inline-flex;
    width: 48px;
    height: 48px;
    flex: 0 0 48px;
    align-items: center;
    justify-content: center;
    border-radius: 8px;
    color: #ffffff;
    background: var(--brand);
    font-size: 22px;
}
.form-card-head h3 {
    margin: 0 0 4px;
    color: var(--ink);
    font-size: 22px;
    font-weight: 850;
}
.form-card-head p {
    margin: 0;
    color: var(--muted);
    font-size: 14px;
}
.apply-card form { padding: 30px; }
.form-label { margin-bottom: 7px; color: var(--ink); font-size: 14px; font-weight: 800; }
.form-control, .form-select {
    min-height: 50px;
    border-color: #cbd7e5;
    border-radius: 8px;
    color: var(--ink);
    background-color: #fbfdff;
}
.form-control::placeholder { color: #8a96a8; }
.form-control:focus, .form-select:focus {
    border-color: var(--brand);
    box-shadow: 0 0 0 4px rgba(9, 45, 94, 0.12);
    background-color: #ffffff;
}
textarea.form-control { padding-top: 13px; }
.form-disclosure {
    margin: 4px 0 0;
    padding: 14px 16px;
    border: 1px solid #c9d8eb;
    border-radius: 8px;
    color: #4d5a6f;
    background: #f3f7fc;
    font-size: 13px;
}
.form-disclosure a { color: var(--brand); font-weight: 800; }
.btn-submit {
    display: inline-flex;
    gap: 10px;
    align-items: center;
    justify-content: center;
    min-height: 54px;
    border: 0;
    border-radius: 8px;
    color: #ffffff;
    background: linear-gradient(135deg, var(--brand), #0e4387);
    box-shadow: 0 16px 34px rgba(9, 45, 94, 0.22);
    font-weight: 850;
    transition: transform 180ms ease, box-shadow 180ms ease, filter 180ms ease;
}
.btn-submit:hover,
.btn-submit:focus {
    color: #ffffff;
    transform: translateY(-1px);
    filter: brightness(1.04);
    box-shadow: 0 20px 42px rgba(9, 45, 94, 0.28);
}
.button-note { margin: 12px 0 0; text-align: center; color: var(--muted); font-size: 13px; }
.policy-faq .accordion-item { border-color: var(--line); }
.policy-faq .accordion-button { font-weight: 850; }
.contact-section { background: #f3f6fa; }
.contact-panel { height: 100%; padding: 32px; }
.contact-panel h2 { font-size: 30px; }
.brand-disclosure { background: linear-gradient(135deg, #ffffff, #edf4fb); }
.footer-section { padding: 56px 0 24px; background: var(--brand-dark); color: #cbd5e1; }
.footer-section h2, .footer-section h3 { color: var(--white); font-size: 20px; font-weight: 850; }
.footer-section p, .footer-section a { color: #cbd5e1; }
.footer-section ul { padding-left: 0; margin-bottom: 0; list-style: none; }
.footer-section li { margin-bottom: 8px; }
.footer-bottom { margin-top: 34px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.14); color: #98a2b3; font-size: 14px; }

@media (max-width: 991px) {
    .hero-section { min-height: 620px; }
    .hero-copy h1 { font-size: 42px; }
}

@media (max-width: 767px) {
    .navbar-brand { max-width: 72vw; font-size: 15px; }
    .section { padding: 64px 0; }
    .hero-section { min-height: 610px; }
    .hero-copy { padding: 72px 0; }
    .hero-copy h1 { font-size: 34px; }
    .hero-copy .lead { font-size: 17px; }
    .section-heading h2, .section h2 { font-size: 30px; }
    .form-card-head { align-items: flex-start; padding: 24px; }
    .apply-card form { padding: 24px; }
    .hero-actions .btn { width: 100%; min-height: 52px; }
}