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

:root {
  --navy: #1B2A4A;
  --gold: #C9A84C;
  --gold-light: #e8d9a8;
  --bg: #f9f8f5;
  --white: #ffffff;
  --text: #2c2c2c;
  --muted: #6b6b6b;
  --border: #ddd;
}

body { font-family: Georgia, 'Times New Roman', serif; background: var(--bg); color: var(--text); line-height: 1.6; }

header { background: var(--navy); padding: 32px 24px; text-align: center; }
header img { max-height: 60px; width: auto; }
header h1 { color: var(--white); font-size: 1rem; font-weight: normal; margin-top: 12px; letter-spacing: 0.06em; text-transform: uppercase; }

.step-bar { display: flex; align-items: center; max-width: 780px; margin: 28px auto 0; padding: 0 20px; }
.step { display: flex; align-items: center; gap: 8px; font-size: 0.82rem; color: var(--muted); }
.step .dot { width: 28px; height: 28px; border-radius: 50%; border: 2px solid var(--border); display: flex; align-items: center; justify-content: center; font-size: 0.78rem; color: var(--muted); flex-shrink: 0; }
.step.active .dot { background: var(--navy); border-color: var(--navy); color: var(--white); }
.step.done .dot { background: var(--gold); border-color: var(--gold); color: var(--white); }
.step.active span { color: var(--navy); font-weight: bold; }
.step-line { flex: 1; height: 1px; background: var(--border); margin: 0 10px; }

.container { max-width: 780px; margin: 32px auto; padding: 0 20px 60px; }

.form-card { background: var(--white); border: 1px solid var(--border); border-top: 4px solid var(--gold); padding: 40px; }
.form-header { margin-bottom: 20px; padding-bottom: 20px; border-bottom: 1px solid var(--border); }
.form-header h2 { color: var(--navy); font-size: 1.35rem; font-weight: normal; margin-bottom: 8px; }
.form-header p { color: var(--muted); font-size: 0.88rem; line-height: 1.6; }

.section-title { font-size: 0.78rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); margin: 28px 0 14px; padding-bottom: 6px; border-bottom: 1px solid var(--border); }

.field-group { margin-bottom: 20px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 540px) { .field-row { grid-template-columns: 1fr; } }

label { display: block; font-size: 0.83rem; font-weight: bold; color: var(--navy); margin-bottom: 5px; letter-spacing: 0.02em; }
.req { color: var(--gold); margin-left: 2px; }

input[type="text"], input[type="email"], input[type="tel"], input[type="date"], textarea {
  width: 100%; padding: 10px 12px; border: 1px solid var(--border); font-family: inherit; font-size: 0.95rem; color: var(--text); background: #fafafa; outline: none; transition: border-color 0.2s;
}
input:focus, textarea:focus { border-color: var(--navy); background: var(--white); }
textarea { resize: vertical; min-height: 80px; }

.check-group { display: flex; flex-direction: column; gap: 12px; margin-bottom: 16px; }
.check-item { display: flex; align-items: flex-start; gap: 10px; cursor: pointer; }
.check-item input { width: 16px; height: 16px; margin-top: 3px; accent-color: var(--navy); flex-shrink: 0; }
.check-item span { font-size: 0.9rem; }

.conditional { display: none; margin-top: 12px; padding: 16px; background: #f4f2ec; border-left: 3px solid var(--gold); }
.conditional.open { display: block; }

.info-toggle { background: none; border: 1px solid var(--gold); color: var(--navy); border-radius: 50%; width: 20px; height: 20px; font-size: 0.75rem; cursor: pointer; font-family: Georgia, serif; font-style: italic; line-height: 18px; text-align: center; margin-left: 8px; vertical-align: middle; }
.info-toggle:hover { background: var(--gold-light); }
.info-box { display: none; background: #f4f2ec; border-left: 3px solid var(--gold); padding: 16px 18px; margin: 12px 0 20px; font-size: 0.85rem; line-height: 1.7; }
.info-box.open { display: block; }
.info-box h4 { color: var(--navy); font-size: 0.85rem; margin: 12px 0 4px; }
.info-box h4:first-child { margin-top: 0; }
.info-box ul { margin: 4px 0 10px 18px; }
.info-box p { margin-bottom: 8px; }

.ubo-block { background: #f9f8f5; border: 1px solid var(--border); padding: 20px; margin-bottom: 20px; }
.ubo-block h4 { color: var(--navy); font-size: 0.95rem; margin-bottom: 16px; padding-bottom: 8px; border-bottom: 1px solid var(--border); }
.remove-ubo-btn { background: none; border: none; color: #b00020; font-family: inherit; font-size: 0.8rem; cursor: pointer; float: right; }
.add-ubo-btn { background: none; border: 2px solid var(--gold); color: var(--navy); padding: 10px 24px; font-family: inherit; font-size: 0.88rem; letter-spacing: 0.04em; cursor: pointer; margin: 4px 0 24px; transition: background 0.2s; }
.add-ubo-btn:hover { background: var(--gold-light); }

.doc-notice { background: #f4f2ec; border-left: 3px solid var(--gold); padding: 14px 18px; font-size: 0.85rem; color: var(--text); line-height: 1.7; margin: 24px 0; }
.doc-notice strong { color: var(--navy); }
.doc-notice a { color: var(--navy); }
.legal-notice { background: #f4f2ec; border-left: 3px solid var(--gold); padding: 14px 16px; font-size: 0.82rem; color: var(--muted); line-height: 1.6; margin: 24px 0; }

.submit-btn { background: var(--navy); color: var(--white); border: none; padding: 14px 36px; font-family: inherit; font-size: 0.9rem; letter-spacing: 0.06em; text-transform: uppercase; cursor: pointer; transition: background 0.2s; }
.submit-btn:hover { background: #263a6a; }
.outline-btn { background: none; color: var(--navy); border: 2px solid var(--navy); padding: 12px 28px; font-family: inherit; font-size: 0.88rem; letter-spacing: 0.05em; cursor: pointer; transition: all 0.2s; }
.outline-btn:hover { background: var(--gold-light); }

footer { text-align: center; font-size: 0.78rem; color: var(--muted); padding: 24px; border-top: 1px solid var(--border); margin-top: 40px; }
footer a { color: var(--gold); }