:root {
    color-scheme: light;
    --crimson: #c8102e;
    --crimson-bright: #ef2b45;
    --navy: #0b1533;
    --vibrant: #1f3274;
    --navy-2: #111c42;
    --navy-line: #1f2b57;
    --ink: #0b1533;
    --body: #4a5068;
    --muted: #6b7185;
    --line: #e6e7ec;
    --white: #ffffff;
    --serif: Georgia, "Times New Roman", Times, serif;
    --sans: "Helvetica Neue", Helvetica, Arial, sans-serif;
  }
  /* Brand mockup: palette intentionally identical in dark mode */
  @media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) { color-scheme: light; } }
  :root[data-theme="dark"] { color-scheme: light; }

  * { box-sizing: border-box; margin: 0; padding: 0; }
  body { background: var(--white); color: var(--ink); font-family: var(--sans); -webkit-font-smoothing: antialiased; }
  a { color: inherit; text-decoration: none; }
  .wrap { max-width: 1132px; margin: 0 auto; padding: 0 16px; }

  /* Header */
  header { border-bottom: 1px solid var(--line); background: var(--white); }
  .nav { display: flex; align-items: center; justify-content: space-between; height: 96px; gap: 28px; max-width: 1300px; }
  .brand { display: flex; align-items: center; gap: 10px; font-family: var(--serif); font-weight: 700; font-size: 18px; line-height: 1.1; color: var(--ink); }
  .brand .logo { height: 64px; width: auto; display: block; }
  .brand .mark { width: 26px; height: 26px; border-radius: 6px; background: var(--crimson); display: grid; place-items: center; flex: none; }
  .links { display: flex; align-items: center; gap: 34px; font-size: 19px; font-weight: 500; white-space: nowrap; }
  .links a { color: var(--ink); line-height: 1.15; }
  .links a:hover { color: var(--crimson); }
  .btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; border-radius: 999px; font-weight: 700; font-size: 14.5px; white-space: nowrap; transition: filter .15s, background .15s; }
  .btn-red { background: var(--crimson); color: var(--white); padding: 12px 22px; }
  .btn-red:hover { filter: brightness(1.1); }
  .btn-outline { border: 1px solid #c9cbd3; color: var(--ink); padding: 13px 26px; background: var(--white); }
  .btn-outline:hover { border-color: var(--crimson); color: var(--crimson); }
  .btn-lg { padding: 16px 30px; font-size: 16px; }

  /* Hero */
  .hero { padding: 96px 0 104px; }
  .hero-inner { max-width: 820px; margin: 0 auto; padding: 0 16px; }
  .eyebrow { font-size: 12.5px; font-weight: 700; letter-spacing: .18em; text-transform: uppercase; color: var(--crimson-bright); }
  .hero .eyebrow { font-size: clamp(17px, 1.6vw, 21px); letter-spacing: .16em; color: var(--crimson); display: flex; align-items: center; gap: 14px; }
  .hero .eyebrow::before { content: ""; width: 36px; height: 2px; background: var(--crimson); flex: none; }
  .hero h1 { font-family: var(--serif); font-weight: 700; color: var(--vibrant); font-size: clamp(34px, 4vw, 50px); line-height: 1.14; letter-spacing: -.015em; margin: 26px 0 30px; }
  .hero h1 span { display: block; }
  .hero-inner { text-align: center; max-width: 960px; }
  .hero .eyebrow { justify-content: center; }
  .hero .eyebrow::after { content: ""; width: 36px; height: 2px; background: var(--crimson); flex: none; }
  .hero p.lede { margin: 0 auto; }
  .hero .nw { white-space: nowrap; }
  @media (max-width: 900px) { .hero .lede-br { display: none; } }
  @media (max-width: 380px) { .hero p.lede { font-size: 14px !important; } .hero .eyebrow { font-size: 12.5px !important; letter-spacing: .1em !important; } }
  .hero-ctas { justify-content: center; margin-bottom: 0 !important; display: grid !important; grid-template-columns: repeat(3, 248px); }
  .hero-ctas .btn { width: 100%; }
  .hero h1 .accent { color: var(--crimson); }
  .hero p.lede { font-size: 18px; line-height: 1.65; color: var(--body); max-width: 820px; text-align: justify; text-align-last: center; }
  .cta-row { display: flex; flex-wrap: wrap; gap: 16px; margin: 44px 0 60px; }
  .stats { display: flex; flex-wrap: wrap; gap: 36px; }
  .stat b { display: block; font-family: var(--serif); font-weight: 400; font-size: 30px; color: var(--crimson); line-height: 1.1; }
  .stat span { font-size: 13px; color: var(--muted); }

  /* Dark sections */
  .dark { background: var(--navy); color: var(--white); }
  .section { padding: 88px 0; }
  .section .eyebrow { font-size: 11.5px; }
  .section h2 { font-family: var(--serif); font-weight: 700; font-size: clamp(28px, 3vw, 38px); line-height: 1.2; margin: 14px 0 18px; }
  .section-head { text-align: center; }
  .section-head .eyebrow { font-size: 24px; letter-spacing: .16em; margin-bottom: 6px; }
  .soon { display: inline-block; padding: 7px 14px; border-radius: 999px; border: 1px solid rgba(255,77,99,.55); color: #ff4d63; font-size: 12.5px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
  .section .sub { color: #aab1c8; font-size: 15px; }
  .grid { display: grid; gap: 20px; margin-top: 60px; }
  .grid-4 { grid-template-columns: repeat(4, 1fr); }
  .grid-3 { grid-template-columns: repeat(3, 1fr); margin-top: 44px; }
  .card { background: var(--navy-2); border: 1px solid var(--navy-line); border-radius: 18px; padding: 30px 30px 30px; display: flex; flex-direction: column; }
  .icon { width: 44px; height: 44px; border-radius: 9px; display: grid; place-items: center; margin-bottom: 20px; }
  .icon.red { background: rgba(239,43,69,.18); color: #ff4d63; }
  .icon.blue { background: rgba(238,242,251,.12); color: #eef2fb; }
  .card h3 { font-family: var(--serif); font-weight: 700; font-size: 20px; margin-bottom: 26px; }
  .card p { color: #aab1c8; font-size: 14px; line-height: 1.7; flex: 1; }
  .card .go { margin-top: 26px; font-size: 13.5px; font-weight: 700; color: #ff4d63; }
  .card .go.white { color: var(--white); }
  .access .card { padding: 30px 32px; }
  .access .icon { width: auto; height: auto; background: none; place-items: start; margin-bottom: 14px; }
  .access .card h3 { margin-bottom: 30px; }
  .access .card p { flex: 0; }
  .access { border-top: 1px solid #16214a; }

  /* CTA */
  .cta { background: linear-gradient(120deg, #d9163a 0%, #c8102e 45%, #9e0c24 100%); color: var(--white); padding: 64px 0 68px; text-align: center; }
  .cta .eyebrow { color: rgba(255,255,255,.85); font-size: 12px; }
  .cta h2 { font-family: var(--serif); font-size: clamp(24px, 2.35vw, 34px); line-height: 1.2; margin: 14px auto 32px; white-space: nowrap; }
  .cta .cta-btns { display: flex; justify-content: center; flex-wrap: wrap; gap: 16px; margin-bottom: 26px; }
  .cta .cta-btns .btn { min-width: 260px; padding: 18px 34px; font-size: 17px; }
  .cta .phone { font-family: var(--serif); font-size: 28px; display: inline-flex; align-items: center; gap: 10px; opacity: .95; }
  .cta .btn-white { background: var(--white); color: var(--ink); }
  .cta .btn-white:hover { filter: brightness(.95); }
  .cta .btn-ghost { border: 1.5px solid rgba(255,255,255,.7); color: var(--white); }
  .cta .btn-ghost:hover { background: rgba(255,255,255,.08); }

  footer { background: var(--navy); color: #aab1c8; font-size: 13px; }
  .foot { display: flex; align-items: center; justify-content: space-between; gap: 24px; padding: 44px 16px 64px; flex-wrap: wrap; }
  .foot .brand { color: var(--white); font-size: 14px; }
  .foot .brand .logo { height: 38px; width: auto; display: block; }
  .foot nav { display: flex; gap: 22px; flex-wrap: wrap; }
  .foot nav a:hover { color: var(--white); }

  @media (max-width: 1240px) {
    .links { display: none; }
  }
  @media (max-width: 1100px) {
    .cta h2 { white-space: normal; max-width: 720px; }
    .links { display: none; }
    .grid-4 { grid-template-columns: repeat(2, 1fr); }
  }
  @media (max-width: 640px) {
    .brand .logo { height: 44px; }
    .nav { height: 72px; }
    .btn-red.navcall { padding: 10px 16px; font-size: 13.5px; }
    .hero { padding: 56px 0; }
    .hero h1 { margin: 20px 0 28px; }
    .grid-4, .grid-3 { grid-template-columns: 1fr; }
    .cta-row .btn { flex: 1 1 100%; }
    .hero-ctas { grid-template-columns: 1fr; }
    .cta h2 { white-space: normal; }
    .cta .cta-btns .btn { min-width: 0; width: 100%; }
    .foot { flex-direction: column; align-items: flex-start; }
  }
  header { position: sticky; top: 0; z-index: 50; }
  .btn-red.navcall { padding: 16px 28px; font-size: 18px; gap: 12px; }
  .navcall svg { width: 19px; height: 19px; }
  .nav-right { display: flex; align-items: center; gap: 10px; }
  .menu-btn { display: none; width: 48px; height: 48px; border-radius: 12px; border: 1px solid var(--line); background: var(--white); color: var(--ink); align-items: center; justify-content: center; cursor: pointer; }
  .menu-btn .i-close { display: none; }
  .menu-open .menu-btn .i-open { display: none; }
  .menu-open .menu-btn .i-close { display: block; }
  .mobile-menu { display: none; }
  @media (max-width: 1240px) {
    .menu-btn { display: inline-flex; }
    .menu-open .mobile-menu { display: flex; flex-direction: column; padding: 8px 16px 20px; border-top: 1px solid var(--line); background: var(--white); box-shadow: 0 12px 24px rgba(11,21,51,.08); }
    .mobile-menu a:not(.btn) { padding: 16px 4px; font-size: 18px; font-weight: 500; color: var(--ink); border-bottom: 1px solid var(--line); }
    .mobile-menu .btn { margin-top: 18px; padding: 16px; font-size: 16px; }
  }
  @media (max-width: 640px) {
    .navcall .num { display: none; }
    .btn-red.navcall { width: 48px; height: 48px; padding: 0 !important; }
    .hero h1 { font-size: 32px; }
    .hero .eyebrow { font-size: 14px; letter-spacing: .12em; gap: 10px; }
    .hero .eyebrow::before, .hero .eyebrow::after { width: 20px; }
    .hero p.lede { font-size: 15.5px; hyphens: auto; -webkit-hyphens: auto; }
    .section { padding: 60px 0; }
    .section-head .eyebrow { font-size: 18px; }
    .section h2 { font-size: 27px; }
    .grid { margin-top: 36px; gap: 14px; }
    .card { padding: 24px; }
    .card h3 { margin-bottom: 14px; }
    .cta { padding: 52px 0 56px; }
    .cta h2 { font-size: 26px; }
    .cta .phone { font-size: 24px; }
    .foot { padding: 36px 16px 48px; gap: 20px; }
  }

  /* Keep top links visible on laptops and tablets in landscape */
  @media (min-width: 1101px) and (max-width: 1240px) {
    .links { display: flex !important; font-size: 16.5px; gap: 24px; }
    .menu-btn { display: none !important; }
    .menu-open .mobile-menu { display: none !important; }
    .btn-red.navcall { padding: 13px 20px; font-size: 16px; }
  }
  @media (min-width: 901px) and (max-width: 1100px) {
    .links { display: flex !important; font-size: 15px; gap: 18px; }
    .menu-btn { display: none !important; }
    .menu-open .mobile-menu { display: none !important; }
    .nav { gap: 16px; }
    .brand .logo { height: 50px; }
    .btn-red.navcall { padding: 11px 16px; font-size: 14.5px; }
  }


  .cta .cta-email { margin-top: 10px; font-size: 17px; }
  .cta .cta-email a { color: rgba(255,255,255,.92); border-bottom: 1px solid rgba(255,255,255,.45); }
  .cta .cta-email a:hover { color: #fff; border-color: #fff; }
  .foot { padding-bottom: 28px; }
  .foot-bottom { display: flex; align-items: center; justify-content: center; gap: 12px 24px; flex-wrap: wrap; border-top: 1px solid #1f2b57; padding: 22px 16px 48px; font-size: 13px; color: #aab1c8; }
  .foot-contact { display: flex; flex-wrap: wrap; gap: 6px 0; }
  .foot-contact > * + *::before { content: "·"; margin: 0 10px; color: #5b6488; }
  .foot-contact a:hover { color: #fff; }
  @media (max-width: 640px) {
    .foot-contact { flex-direction: column; gap: 6px; }
    .foot-contact > * + *::before { content: none; }
    .foot-bottom { flex-direction: column; align-items: flex-start; padding: 20px 16px 40px; }
  }

  /* ===== Added: shared sub-page pieces ===== */
  .links a.active { color: var(--crimson); }
  .page-hero { background: var(--navy); color: var(--white); padding: 64px 0 56px; text-align: center; }
  .page-hero .eyebrow { font-size: 15px; letter-spacing: .16em; }
  .page-hero h1 { font-family: var(--serif); font-weight: 700; font-size: clamp(30px, 3.4vw, 44px); line-height: 1.15; margin: 12px 0 14px; }
  .page-hero p { color: #aab1c8; font-size: 16px; line-height: 1.6; max-width: 640px; margin: 0 auto; }

  /* ===== Forms lists ===== */
  .forms-page { padding: 56px 0 88px; background: #f6f7fa; }
  .forms-page .wrap { max-width: 900px; }
  .form-group + .form-group { margin-top: 40px; }
  .form-group h2 { font-family: var(--serif); font-size: 22px; color: var(--vibrant); margin-bottom: 14px; }
  .form-list { list-style: none; display: grid; gap: 12px; }
  .form-item { display: flex; align-items: center; gap: 16px; background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 16px 18px; }
  .form-item .ficon { flex: none; width: 42px; height: 42px; border-radius: 10px; background: rgba(200,16,46,.08); color: var(--crimson); display: grid; place-items: center; }
  .form-item .ftext { flex: 1; min-width: 0; }
  .form-item .ftitle { font-weight: 700; font-size: 16px; color: var(--ink); }
  .form-item .fdesc { font-size: 14px; color: var(--body); margin-top: 3px; line-height: 1.5; }
  .form-item .ftype { display: inline-block; margin-left: 8px; font-size: 11px; font-weight: 700; letter-spacing: .08em; color: var(--muted); border: 1px solid var(--line); border-radius: 6px; padding: 2px 6px; vertical-align: 2px; }
  .form-item .btn { flex: none; padding: 10px 18px; font-size: 14px; }
  .forms-empty { background: var(--white); border: 1px dashed #c9cbd3; border-radius: 14px; padding: 28px; text-align: center; color: var(--muted); font-size: 15px; }
  .forms-help { margin-top: 44px; text-align: center; color: var(--body); font-size: 15px; line-height: 1.6; }
  .forms-help a { color: var(--crimson); font-weight: 700; }
  @media (max-width: 640px) {
    .form-item { flex-wrap: wrap; }
    .form-item .btn { width: 100%; }
  }

  /* ===== Dealer portal ===== */
  .portal { background: var(--navy); padding: 56px 0 96px; min-height: calc(100vh - 96px); }
  .portal-head { text-align: center; color: var(--white); margin-bottom: 32px; }
  .portal-head .eyebrow { font-size: 15px; letter-spacing: .16em; }
  .portal-head h1 { font-family: var(--serif); font-size: clamp(28px, 3vw, 40px); margin-top: 10px; }
  .portal-card { max-width: 560px; margin: 0 auto; background: var(--white); border-radius: 20px; box-shadow: 0 24px 60px rgba(0,0,0,.35); overflow: hidden; }
  .portal-card.wide { max-width: 760px; }
  .tabs { display: grid; grid-template-columns: 1fr 1fr; border-bottom: 1px solid var(--line); }
  .tab { appearance: none; border: 0; background: #f6f7fa; padding: 18px 12px; font: 700 15.5px var(--sans); color: var(--muted); cursor: pointer; border-bottom: 3px solid transparent; }
  .tab[aria-selected="true"] { background: var(--white); color: var(--ink); border-bottom-color: var(--crimson); }
  .tab:hover { color: var(--ink); }
  .panel { padding: 34px 38px 38px; }
  .panel[hidden] { display: none; }
  .panel h2 { font-family: var(--serif); font-size: 24px; color: var(--vibrant); margin-bottom: 6px; }
  .panel .lead { color: var(--body); font-size: 15px; line-height: 1.6; margin-bottom: 24px; }
  .field { margin-bottom: 18px; }
  .field label { display: block; font-size: 14px; font-weight: 700; color: var(--ink); margin-bottom: 7px; }
  .field input { width: 100%; font: 16px var(--sans); color: var(--ink); padding: 13px 14px; border: 1px solid #c9cbd3; border-radius: 10px; background: var(--white); }
  .field input:focus { outline: none; border-color: var(--vibrant); box-shadow: 0 0 0 3px rgba(31,50,116,.15); }
  .pw-wrap { position: relative; }
  .pw-wrap input { padding-right: 70px; }
  .pw-toggle { position: absolute; right: 8px; top: 50%; transform: translateY(-50%); border: 0; background: none; font: 700 13px var(--sans); color: var(--vibrant); cursor: pointer; padding: 8px; }
  .row-between { display: flex; align-items: center; justify-content: space-between; gap: 12px; flex-wrap: wrap; margin: 4px 0 24px; font-size: 14px; color: var(--body); }
  .row-between label { display: inline-flex; align-items: center; gap: 8px; cursor: pointer; }
  .row-between a { color: var(--crimson); font-weight: 700; }
  .btn-block { width: 100%; padding: 16px; font-size: 16px; border: 0; cursor: pointer; font-family: var(--sans); }
  .notice { display: none; margin-top: 18px; padding: 14px 16px; border-radius: 10px; font-size: 14.5px; line-height: 1.55; background: #fff4f5; border: 1px solid #f5c2ca; color: #7a0a1c; }
  .notice.show { display: block; }
  .notice a { font-weight: 700; text-decoration: underline; }
  .switch-line { margin-top: 26px; padding-top: 22px; border-top: 1px solid var(--line); text-align: center; font-size: 15px; color: var(--body); }
  .switch-line button { border: 0; background: none; font: 700 15px var(--sans); color: var(--crimson); cursor: pointer; }
  .steps { list-style: none; counter-reset: s; display: grid; gap: 14px; margin-bottom: 28px; }
  .steps li { counter-increment: s; display: flex; gap: 14px; font-size: 15px; line-height: 1.55; color: var(--body); }
  .steps li::before { content: counter(s); flex: none; width: 28px; height: 28px; border-radius: 50%; background: var(--crimson); color: var(--white); font-weight: 700; font-size: 14px; display: grid; place-items: center; }
  .steps b { color: var(--ink); }
  .panel h3 { font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); margin: 6px 0 12px; }
  .panel .form-item { background: #f9fafc; }
  .apply-actions { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 28px; }
  .apply-actions .btn { padding: 15px; font-size: 15px; }
  @media (max-width: 640px) {
    .portal { padding: 36px 0 64px; }
    .panel { padding: 26px 20px 28px; }
    .apply-actions { grid-template-columns: 1fr; }
  }

  /* ===== Program terms pop-up ===== */
  .card .go { cursor: pointer; background: none; border: 0; font-family: var(--sans); text-align: left; padding: 0; }
  .card[data-program] { cursor: pointer; transition: border-color .15s, transform .15s; }
  .card[data-program]:hover { border-color: #3a4a85; transform: translateY(-2px); }
  .modal { position: fixed; inset: 0; z-index: 100; display: none; align-items: center; justify-content: center; padding: 16px; background: rgba(5,10,28,.72); }
  .modal.open { display: flex; }
  .modal-box { background: var(--white); color: var(--ink); width: 100%; max-width: 620px; max-height: calc(100vh - 32px); overflow-y: auto; border-radius: 20px; box-shadow: 0 30px 80px rgba(0,0,0,.45); }
  .modal-top { position: sticky; top: 0; background: var(--navy); color: var(--white); padding: 24px 28px 22px; display: flex; gap: 16px; align-items: flex-start; justify-content: space-between; }
  .modal-top .eyebrow { font-size: 12px; }
  .modal-top h2 { font-family: var(--serif); font-size: 26px; margin-top: 6px; }
  .modal-close { flex: none; width: 40px; height: 40px; border-radius: 10px; border: 1px solid rgba(255,255,255,.25); background: none; color: var(--white); cursor: pointer; display: grid; place-items: center; }
  .modal-close:hover { background: rgba(255,255,255,.1); }
  .modal-body { padding: 24px 28px 28px; }
  .modal-body .summary { font-size: 15.5px; line-height: 1.6; color: var(--body); margin-bottom: 22px; }
  .modal-body h3 { font-size: 12.5px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--crimson); margin: 22px 0 10px; }
  .terms { width: 100%; border-collapse: collapse; font-size: 15px; }
  .terms th, .terms td { text-align: left; padding: 11px 0; border-bottom: 1px solid var(--line); vertical-align: top; }
  .terms th { font-weight: 500; color: var(--body); padding-right: 16px; width: 50%; }
  .terms td { font-weight: 700; color: var(--ink); }
  .tbd { background: #fff6d6; color: #7a5b00; border-radius: 4px; padding: 1px 5px; font-weight: 700; }
  .stips { padding-left: 20px; font-size: 15px; line-height: 1.7; color: var(--ink); }
  .modal-body .note { font-size: 14px; color: var(--body); line-height: 1.6; }
  .modal-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 28px; }
  .modal-actions .btn { flex: 1 1 200px; padding: 15px; font-size: 15px; }
  .modal-actions .btn-outline { cursor: pointer; font-family: var(--sans); }
  body.modal-lock { overflow: hidden; }
  @media (max-width: 640px) {
    .modal { padding: 0; align-items: flex-end; }
    .modal-box { border-radius: 18px 18px 0 0; max-height: 92vh; }
    .modal-top, .modal-body { padding-left: 20px; padding-right: 20px; }
  }