:root {
  --lf-primary: #0c2d57;
  --lf-primary-dark: #071d36;
  --lf-secondary: #188de1;
  --lf-accent: #ff6b00;
  --lf-heading: #102a43;
  --lf-text: #425466;
  --lf-soft: #f5f9ff;
  --lf-border: #e2ebf5;
  --lf-success: #16803c;
  --lf-warning: #b85c00;
  --lf-white: #ffffff;
  --lf-shadow: 0 18px 48px rgba(16, 42, 67, 0.09);
  --lf-radius: 22px;
}

html { scroll-behavior: smooth; }
body { font-family: 'Montserrat', sans-serif; color: var(--lf-text); background: #fff; overflow-x: hidden; }
img { max-width: 100%; height: auto; }
a { color: var(--lf-secondary); text-decoration: none; }
a:hover { color: var(--lf-primary); }

.lf-section { padding: 76px 0; }
.lf-section--compact { padding: 38px 0 62px; }
.lf-section--soft { background: linear-gradient(180deg, #f8fbff 0%, #f3f7fc 100%); }
.lf-section-heading { max-width: 920px; margin: 0 auto 42px; }
.lf-section-heading h2,
.lf-answer-card h2,
.lf-contact-card h2,
.lf-cta h2 { color: var(--lf-heading); font-size: clamp(1.75rem, 3vw, 2.25rem); font-weight: 800; line-height: 1.25; margin: 0 0 14px; }
.lf-section-heading p,
.lf-answer-card p,
.lf-contact-card p { font-size: 1rem; line-height: 1.85; margin: 0; }
.lf-eyebrow { display: inline-block; color: var(--lf-secondary); font-size: 0.78rem; font-weight: 800; letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 10px; }
.lf-eyebrow--light { color: rgba(255,255,255,0.82); }

.lf-hero { position: relative; min-height: 690px; overflow: hidden; background: var(--lf-primary-dark); border-radius: 0 0 28px 28px; }
.lf-hero__image { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.lf-hero__overlay { position: absolute; inset: 0; background: linear-gradient(90deg, rgba(7,29,54,0.97) 0%, rgba(7,29,54,0.86) 48%, rgba(7,29,54,0.38) 100%); }
.lf-hero__container { position: relative; z-index: 2; min-height: 690px; display: flex; align-items: center; }
.lf-hero__content { max-width: 850px; padding: 92px 0 82px; color: #fff; }
.lf-hero__content h1 { color: #fff; font-size: clamp(2.15rem, 5vw, 3.45rem); line-height: 1.12; font-weight: 800; margin: 0 0 20px; }
.lf-hero__content > p { max-width: 790px; color: rgba(255,255,255,0.94); font-size: 1.06rem; line-height: 1.85; margin-bottom: 20px; }
.lf-hero__notice { max-width: 780px; padding: 14px 17px; border: 1px solid rgba(255,255,255,0.23); border-radius: 14px; background: rgba(255,255,255,0.11); color: rgba(255,255,255,0.94); line-height: 1.7; backdrop-filter: blur(7px); }
.lf-hero__actions { display: flex; flex-wrap: wrap; gap: 13px; margin-top: 24px; }
.lf-trust-list { display: flex; flex-wrap: wrap; gap: 10px 24px; list-style: none; padding: 0; margin: 24px 0 0; color: rgba(255,255,255,0.9); font-size: 0.9rem; font-weight: 700; }
.lf-trust-list li::before { content: '✓'; color: #8ee3ad; margin-right: 8px; }

.lf-btn { display: inline-flex; align-items: center; justify-content: center; min-height: 52px; padding: 12px 22px; border-radius: 999px; border: 1px solid transparent; font-weight: 800; text-align: center; transition: transform .2s ease, background-color .2s ease, border-color .2s ease, color .2s ease; }
.lf-btn:hover { transform: translateY(-1px); }
.lf-btn--accent { color: #fff; background: var(--lf-accent); border-color: var(--lf-accent); }
.lf-btn--accent:hover { color: #fff; background: #e45f00; border-color: #e45f00; }
.lf-btn--outline { color: #fff; border-color: rgba(255,255,255,0.48); background: rgba(255,255,255,0.04); }
.lf-btn--outline:hover { color: #fff; border-color: #fff; background: rgba(255,255,255,0.13); }
.lf-btn--primary { color: #fff; background: var(--lf-primary); border-color: var(--lf-primary); }
.lf-btn--primary:hover { color: #fff; background: #081f3d; border-color: #081f3d; }
.lf-btn--soft { color: var(--lf-primary); background: #eef6ff; border-color: #d7e6f5; }
.lf-btn--soft:hover { color: #fff; background: var(--lf-primary); border-color: var(--lf-primary); }

.lf-breadcrumb-bar { background: #f7faff; border-bottom: 1px solid var(--lf-border); }
.lf-breadcrumb { display: flex; flex-wrap: wrap; align-items: center; gap: 8px; list-style: none; margin: 0; padding: 14px 0; font-size: 0.88rem; }
.lf-breadcrumb a { color: var(--lf-primary); font-weight: 700; }
.lf-breadcrumb li:last-child { color: var(--lf-accent); font-weight: 700; }

.lf-answer-card,
.lf-card,
.lf-table-card,
.lf-contact-card,
.lf-disclaimer-card { background: #fff; border: 1px solid var(--lf-border); border-radius: var(--lf-radius); box-shadow: var(--lf-shadow); }
.lf-answer-card { padding: 30px; }
.lf-answer-actions { display: grid; gap: 12px; }
.lf-answer-actions .lf-btn { width: 100%; }
.lf-quick-list { margin: 18px 0; padding-left: 21px; }
.lf-quick-list li { margin-bottom: 9px; line-height: 1.65; }
.lf-quick-list strong { color: var(--lf-heading); }
.lf-card { height: 100%; padding: 27px; }
.lf-card--large { padding: 32px; }
.lf-card h3,
.lf-list-card h3,
.lf-table-card h3,
.lf-quote-card h3,
.lf-disclaimer-card h3,
.lf-related-links h3 { color: var(--lf-heading); font-size: 1.25rem; font-weight: 800; line-height: 1.35; margin: 0 0 13px; }
.lf-card p,
.lf-list-card li,
.lf-process-item p,
.lf-table td,
.lf-disclaimer-card p { line-height: 1.75; }
.lf-card p:last-child { margin-bottom: 0; }
.lf-step-icon { display: inline-flex; align-items: center; justify-content: center; width: 54px; height: 54px; border-radius: 16px; background: #edf6ff; color: var(--lf-primary); font-weight: 800; margin-bottom: 17px; }

.lf-process-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 18px; }
.lf-process-item { display: flex; align-items: flex-start; gap: 18px; background: #fff; border: 1px solid var(--lf-border); border-radius: 18px; padding: 23px; }
.lf-process-item > span { flex: 0 0 44px; width: 44px; height: 44px; display: inline-flex; align-items: center; justify-content: center; border-radius: 50%; background: var(--lf-primary); color: #fff; font-weight: 800; }
.lf-process-item h3 { color: var(--lf-heading); font-size: 1.08rem; font-weight: 800; margin: 2px 0 8px; }
.lf-process-item p { margin: 0; font-size: .94rem; }

.lf-check-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 16px; margin: 18px 0 20px; }
.lf-check-grid > div { background: #f8fbff; border: 1px solid var(--lf-border); border-radius: 15px; padding: 17px; }
.lf-check-grid strong { display: block; color: var(--lf-heading); margin-bottom: 6px; }
.lf-check-grid span { display: block; line-height: 1.65; font-size: .92rem; }
.lf-card--official { background: linear-gradient(155deg, #0c2d57, #164e85); border: 0; color: rgba(255,255,255,0.92); }
.lf-card--official h3 { color: #fff; font-size: 1.55rem; }
.lf-card--official .lf-btn { margin: 8px 0 18px; background: #fff; color: var(--lf-primary); border-color: #fff; }
.lf-card--official .lf-btn:hover { background: #eef6ff; color: var(--lf-primary); }
.lf-small { font-size: .82rem; line-height: 1.65; color: rgba(255,255,255,0.78); }
.lf-note { padding: 14px 16px; border-radius: 13px; background: #fff8f1; border-left: 4px solid var(--lf-accent); font-size: .9rem; line-height: 1.7; }

.lf-list-card { height: 100%; background: #fff; border: 1px solid var(--lf-border); border-radius: var(--lf-radius); padding: 28px; box-shadow: var(--lf-shadow); }
.lf-list-card ul { padding-left: 20px; margin: 0; }
.lf-list-card li { margin-bottom: 9px; }
.lf-list-card--positive { border-top: 5px solid var(--lf-success); }
.lf-list-card--warning { border-top: 5px solid var(--lf-warning); }
.lf-inline-note { padding: 20px 22px; border-radius: 16px; border: 1px solid #f2d5bc; background: #fff9f4; line-height: 1.75; }

.lf-table-card { padding: 28px; }
.lf-table { width: 100%; border-collapse: separate; border-spacing: 0; overflow: hidden; }
.lf-table thead th { background: var(--lf-primary); color: #fff; padding: 15px 14px; font-size: .9rem; border: 0; }
.lf-table thead th:first-child { border-radius: 13px 0 0 0; }
.lf-table thead th:last-child { border-radius: 0 13px 0 0; }
.lf-table tbody td { padding: 15px 14px; border-bottom: 1px solid #eaf0f6; vertical-align: top; font-size: .9rem; }
.lf-table tbody tr:nth-child(even) { background: #f9fbfe; }
.lf-quote-card { height: 100%; padding: 30px; border-radius: var(--lf-radius); background: linear-gradient(145deg, var(--lf-primary), var(--lf-secondary)); color: #fff; box-shadow: var(--lf-shadow); }
.lf-quote-card h3 { color: #fff; font-size: 1.55rem; }
.lf-quote-card ol { padding-left: 20px; margin: 18px 0 24px; }
.lf-quote-card li { margin-bottom: 10px; line-height: 1.65; }
.lf-quote-card .lf-btn { width: 100%; }

.lf-related-links { display: flex; flex-wrap: wrap; align-items: center; gap: 10px; background: #fff; border: 1px solid var(--lf-border); border-radius: 18px; padding: 22px; }
.lf-related-links h3 { width: 100%; margin-bottom: 4px; }
.lf-related-links a { display: inline-flex; padding: 9px 13px; border-radius: 999px; background: #eef6ff; border: 1px solid #dce9f6; color: var(--lf-primary); font-size: .86rem; font-weight: 700; }
.lf-related-links a:hover { background: var(--lf-primary); color: #fff; }

.lf-cta-section { padding: 0 0 76px; background: linear-gradient(180deg, #fff 0%, #f8fbff 100%); }
.lf-cta { display: flex; align-items: center; justify-content: space-between; gap: 30px; padding: 38px; border-radius: 28px; background: linear-gradient(135deg, var(--lf-primary), var(--lf-secondary)); box-shadow: var(--lf-shadow); color: #fff; }
.lf-cta h2 { color: #fff; margin-bottom: 10px; }
.lf-cta p { margin: 0; color: rgba(255,255,255,0.9); line-height: 1.75; }
.lf-cta__actions { flex: 0 0 255px; display: grid; gap: 12px; }
.lf-cta__actions .lf-btn { width: 100%; }

.lf-faq { max-width: 1000px; margin: 0 auto; }
.lf-faq .accordion-item { border: 1px solid var(--lf-border); border-radius: 16px; overflow: hidden; margin-bottom: 12px; background: #fff; }
.lf-faq .accordion-button { color: var(--lf-heading); font-weight: 800; font-size: .98rem; line-height: 1.5; padding: 19px 21px; box-shadow: none; }
.lf-faq .accordion-button:not(.collapsed) { color: var(--lf-primary); background: #eef6ff; }
.lf-faq .accordion-body { padding: 0 21px 20px; line-height: 1.8; }

.lf-contact-card,
.lf-disclaimer-card { height: 100%; padding: 31px; }
.lf-contact-links { display: grid; gap: 12px; margin-top: 20px; }
.lf-contact-links a { padding: 13px 15px; border: 1px solid var(--lf-border); border-radius: 13px; color: var(--lf-primary); background: #f8fbff; }
.lf-contact-links a:hover { background: #eef6ff; }
.lf-disclaimer-card { border-left: 5px solid var(--lf-accent); }

@media (max-width: 991.98px) {
  .lf-hero,
  .lf-hero__container { min-height: 720px; }
  .lf-process-grid,
  .lf-check-grid { grid-template-columns: 1fr; }
  .lf-cta { flex-direction: column; align-items: flex-start; }
  .lf-cta__actions { flex: none; width: 100%; grid-template-columns: repeat(2, minmax(0,1fr)); }
}

@media (max-width: 767.98px) {
  .lf-section { padding: 56px 0; }
  .lf-section--compact { padding: 28px 0 50px; }
  .lf-hero,
  .lf-hero__container { min-height: 780px; align-items: flex-start; }
  .lf-hero__overlay { background: linear-gradient(180deg, rgba(7,29,54,0.96) 0%, rgba(7,29,54,0.86) 70%, rgba(7,29,54,0.72) 100%); }
  .lf-hero__content { padding: 72px 0 54px; }
  .lf-hero__content > p { font-size: .96rem; line-height: 1.75; }
  .lf-hero__actions { display: grid; }
  .lf-btn { width: 100%; }
  .lf-trust-list { display: grid; gap: 9px; }
  .lf-answer-card,
  .lf-card,
  .lf-card--large,
  .lf-table-card,
  .lf-list-card,
  .lf-contact-card,
  .lf-disclaimer-card { padding: 22px; border-radius: 18px; }
  .lf-process-item { padding: 19px; gap: 14px; }
  .lf-table { min-width: 720px; }
  .lf-cta { padding: 27px; border-radius: 22px; }
  .lf-cta__actions { grid-template-columns: 1fr; }
  .lf-related-links { padding: 18px; }
  .lf-related-links a { width: 100%; justify-content: center; }
}