:root{
  --navy:#071a33;
  --navy2:#0d2b4f;
  --gold:#c9a227;
  --gold-light:#e5c75a;
  --light:#f5f8fb;
  --text:#243447;
  --muted:#6b7785;
}
*{box-sizing:border-box}
body{font-family:Inter,Arial,sans-serif;color:var(--text);margin:0}
.btn-gold{background:var(--gold);color:#fff;border:0;padding:11px 19px;border-radius:8px;font-weight:700}
.btn-gold:hover{background:#ad8918;color:#fff}
.hero{background:linear-gradient(115deg,rgba(7,26,51,.98),rgba(13,43,79,.93));padding:90px 0;color:#fff}
.hero h1{font-size:clamp(40px,5vw,60px);font-weight:800}
.hero p{max-width:800px;color:#dce6f2;font-size:18px;line-height:1.8}
.hero-tag{display:inline-block;color:var(--gold-light);font-size:12px;letter-spacing:2px;font-weight:800;margin-bottom:15px}
.section{padding:80px 0}
.light{background:var(--light)}
.section-title{color:var(--navy);font-weight:800;font-size:36px}
.gold-line{height:4px;width:60px;background:var(--gold);margin:15px 0 25px;border-radius:10px}
.criteria{
  background:#fff;border:1px solid #e7edf3;border-radius:16px;
  padding:30px;height:100%;box-shadow:0 12px 35px rgba(7,26,51,.06)
}
.criteria h4{color:var(--navy);font-weight:800}
.criteria i{color:var(--gold);font-size:26px}
.criteria ul{padding-left:20px}
.criteria li{margin-bottom:11px}
.step{
  position:relative;padding:30px;background:#fff;border-radius:15px;
  border:1px solid #e8edf2;height:100%
}
.step-no{
  width:45px;height:45px;border-radius:50%;background:var(--navy);
  color:#fff;display:flex;align-items:center;justify-content:center;
  font-weight:800;margin-bottom:18px
}
.notice{background:#fff8e8;border-left:4px solid var(--gold);padding:22px;border-radius:8px}
footer{background:var(--navy);color:#cbd7e4;padding:55px 0 20px}
footer h5{color:#fff;font-weight:800}
footer a{color:#cbd7e4;text-decoration:none}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:35px;padding-top:20px;font-size:13px}