*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Public Sans',sans-serif;color:#222;line-height:1.6}
img{max-width:100%;height:auto}
a{text-decoration:none;color:inherit}

/* ── NAV ── */
.eu-nav{background:#0055a5}
.eu-nav-inner{max-width:1100px;margin:0 auto;padding:0 32px;display:flex;align-items:center;height:68px}
.eu-nav-logo{flex:1}
.eu-nav-logo a{display:flex}
.eu-nav-end{flex:1;display:flex;justify-content:flex-end}
.eu-cta{color:#fff;border:2px solid rgba(255,255,255,.7);padding:8px 22px;border-radius:3px;font-weight:700;font-size:13px;letter-spacing:.5px;background:rgba(255,255,255,.1);white-space:nowrap}
.eu-cta:hover{background:rgba(255,255,255,.22)}
.eu-nav-bar{display:flex;align-items:stretch}
.eu-ni{position:relative}
.eu-ni>a{color:#fff;padding:0 15px;display:flex;align-items:center;height:68px;font-weight:600;font-size:13px;letter-spacing:.5px;white-space:nowrap}
.eu-ni>a:hover{background:rgba(255,255,255,.1)}
.eu-dd{display:none;position:absolute;top:100%;left:0;background:#fff;min-width:220px;box-shadow:0 8px 32px rgba(0,0,0,.16);z-index:999;border-radius:4px;overflow:hidden}
.eu-dd a{display:block;padding:11px 16px;color:#0055a5;font-size:14px;font-weight:500;border-bottom:1px solid #f0f4f8}
.eu-dd a:hover{background:#f0f4f8;color:#003d7a}
.eu-ni:hover>.eu-dd{display:block}

/* ── FOOTER ── */
.eu-footer{background:#111 url('uploads/images/01-Blue-Digital-Background-Hero.jpg') center/cover no-repeat;color:#aaa;padding:60px 32px 32px}
.eu-footer-inner{max-width:1100px;margin:0 auto}
.eu-ft-main{display:grid;grid-template-columns:180px repeat(4,1fr);gap:40px;align-items:start;margin-bottom:40px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.12)}
.eu-ft-brand{}
.eu-ft-col{}
.eu-ft-col h4{color:#fff;margin-bottom:16px;font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase}
.eu-ft-links{display:flex;flex-direction:column;gap:10px}
.eu-ft-links a{color:rgba(255,255,255,.75);font-size:14px;line-height:1.4}
.eu-ft-links a:hover{color:#fff}
.eu-ft-bottom{border-top:1px solid rgba(255,255,255,.15);padding-top:24px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px}
.eu-ft-bottom p{font-size:13px;color:rgba(255,255,255,.85)}
.eu-ft-bottom p:last-child{font-size:12px;color:rgba(255,255,255,.6);max-width:560px;line-height:1.5}

/* ── COMMON LAYOUT ── */
.eu-hero{color:#fff;padding:88px 24px;text-align:center}
.eu-hero-inner{max-width:860px;margin:0 auto}
.eyebrow{font-size:12px;font-weight:700;letter-spacing:4px;text-transform:uppercase;opacity:.7;margin-bottom:16px}
.eyebrow-blue{color:#0055a5;font-size:11px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin-bottom:12px}
.eu-hero h1{font-family:'Changa',sans-serif;font-size:58px;font-weight:700;line-height:1.05;margin-bottom:24px}
.eu-hero p.lead{font-size:20px;opacity:.9;margin-bottom:40px;max-width:640px;margin-left:auto;margin-right:auto}
.btns{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}
.btn-primary{background:#ff6b00;color:#fff;padding:16px 40px;border-radius:3px;font-size:17px;font-weight:700}
.btn-primary:hover{background:#e55f00}
.btn-ghost{background:rgba(255,255,255,.12);color:#fff;border:2px solid rgba(255,255,255,.4);padding:16px 40px;border-radius:3px;font-size:17px;font-weight:700}
.btn-ghost:hover{background:rgba(255,255,255,.22)}
.btn-blue{background:#0055a5;color:#fff;padding:14px 36px;border-radius:3px;font-size:16px;font-weight:700;display:inline-block}
.btn-blue:hover{background:#003d7a}

.section{padding:80px 24px}
.section-inner{max-width:1100px;margin:0 auto}
.section-center{text-align:center}
.section-title{font-family:'Changa',sans-serif;font-size:42px;color:#111;margin-bottom:16px}
.section-sub{color:#666;font-size:17px;max-width:600px;margin:0 auto 48px;line-height:1.75}

.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}

.card{background:#fff;border:1px solid #e4e8f0;border-radius:6px;padding:32px}
.card-accent{border-top:4px solid #0055a5}
.card-num{font-family:'Changa',sans-serif;font-size:40px;font-weight:900;color:#e8f0fa;margin-bottom:16px}
.card h3{font-size:18px;font-weight:700;color:#111;margin-bottom:10px}
.card p{color:#666;font-size:15px;line-height:1.65}

.check-list{display:flex;flex-direction:column;gap:14px}
.check-item{display:flex;align-items:flex-start;gap:12px}
.check-icon{color:#0055a5;font-weight:900;font-size:18px;line-height:1;flex-shrink:0}
.check-text{color:#444;font-size:15px}

.bg-light{background:#f4f7fc}
.bg-white{background:#fff}
.bg-blue{background:#0055a5;color:#fff}
.bg-dark{background:#111;color:#fff}

/* ── ARTICLE ── */
.article-grid{display:grid;grid-template-columns:1fr 300px;gap:56px;max-width:1100px;margin:0 auto;padding:64px 24px}
.article-body{font-size:17px;line-height:1.8;color:#333}
.article-body h2{font-family:'Changa',sans-serif;font-size:30px;color:#111;margin:40px 0 16px}
.article-body h3{font-size:21px;font-weight:700;color:#111;margin:32px 0 12px}
.article-body p{margin-bottom:20px}
.article-body ul,.article-body ol{margin:0 0 20px 24px}
.article-body li{margin-bottom:8px}
.article-body table{width:100%;border-collapse:collapse;margin-bottom:24px}
.article-body th,.article-body td{border:1px solid #e0e4ec;padding:10px 14px;font-size:15px;text-align:left}
.article-body th{background:#f4f7fc;font-weight:700}
.article-sidebar{position:sticky;top:24px;align-self:start}
.sidebar-box{background:#f4f7fc;border-radius:6px;padding:24px;margin-bottom:24px;border-top:3px solid #0055a5}
.sidebar-box h4{font-size:12px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:#0055a5;margin-bottom:14px}
.sidebar-box a{display:block;color:#0055a5;font-size:14px;font-weight:500;margin-bottom:10px}
.sidebar-box a:hover{color:#003d7a}

/* ── BADGE GRID ── */
.badge-grid{display:flex;flex-wrap:wrap;gap:16px;justify-content:center}
.badge-grid img{height:56px;width:auto;object-fit:contain;filter:grayscale(.3);transition:filter .2s}
.badge-grid img:hover{filter:none}

/* ── STAT BAR ── */
.stat-bar{background:#0055a5;color:#fff;padding:40px 24px}
.stat-bar-inner{max-width:960px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:0;text-align:center}
.stat-item{padding:20px;border-right:1px solid rgba(255,255,255,.2)}
.stat-item:last-child{border-right:none}
.stat-num{font-family:'Changa',sans-serif;font-size:52px;font-weight:700;line-height:1}
.stat-label{font-size:13px;opacity:.75;margin-top:6px;text-transform:uppercase;letter-spacing:1px}

/* ── STEPS ── */
.steps-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:1px;background:#e4e8f0;border-radius:8px;overflow:hidden}
.step-card{background:#fff;padding:48px 32px;text-align:center}
.step-icon{font-size:48px;margin-bottom:20px}
.step-label{font-size:11px;font-weight:700;letter-spacing:3px;color:#0055a5;text-transform:uppercase;margin-bottom:12px}
.step-title{font-family:'Changa',sans-serif;font-size:26px;color:#111;margin-bottom:12px}
.step-desc{color:#666;font-size:15px;line-height:1.65}

/* ── LEGAL ── */
.legal-body{max-width:800px;margin:0 auto;padding:64px 24px}
.legal-body h2{font-family:'Changa',sans-serif;font-size:26px;color:#111;margin:40px 0 14px}
.legal-body h3{font-size:18px;font-weight:700;margin:28px 0 10px}
.legal-body p{margin-bottom:16px;font-size:16px;color:#444;line-height:1.8}
.legal-body ul{margin:0 0 16px 24px}
.legal-body li{margin-bottom:8px;font-size:16px;color:#444}

.eu-risk{font-size:12px;color:rgba(255,255,255,.55)!important;max-width:560px;line-height:1.5}
/* ── FORMS ── */
.eu-form{display:flex;flex-direction:column;gap:20px}
.eu-field{display:flex;flex-direction:column;gap:7px}
.eu-label{font-size:12px;font-weight:700;color:#444;text-transform:uppercase;letter-spacing:.6px;line-height:1.5}
.eu-label .req{color:#e05a00;margin-left:1px}
.eu-input,.eu-select,.eu-textarea{width:100%;padding:12px 15px;border:1.5px solid #d8dde8;border-radius:3px;font-size:15px;font-family:'Public Sans',sans-serif;color:#111;background:#fff;box-sizing:border-box;transition:border-color .15s}
.eu-input:focus,.eu-select:focus,.eu-textarea:focus{outline:none;border-color:#1f4fc8;box-shadow:0 0 0 3px rgba(31,79,200,.1)}
.eu-textarea{resize:vertical;min-height:100px}
.eu-select{-webkit-appearance:none;appearance:none;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='11' height='7'%3E%3Cpath d='M1 1l4.5 5L10 1' stroke='%23888' stroke-width='1.5' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") no-repeat right 14px center #fff;padding-right:38px}
.eu-radio-group,.eu-check-group{display:flex;flex-direction:column;gap:8px}
.eu-radio-group.inline,.eu-check-group.inline{flex-direction:row;flex-wrap:wrap;gap:8px}
.eu-radio-opt,.eu-check-opt{display:flex;align-items:center;gap:10px;padding:11px 15px;border:1.5px solid #d8dde8;border-radius:3px;cursor:pointer;font-size:14px;color:#222;line-height:1.4;transition:border-color .15s,background .15s}
.eu-radio-opt:hover,.eu-check-opt:hover{border-color:#1f4fc8;background:#f0f4ff}
.eu-radio-opt input,.eu-check-opt input{accent-color:#1f4fc8;flex-shrink:0;width:15px;height:15px}
.eu-help{font-size:13px;color:#888;line-height:1.5}
.eu-form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.eu-submit{background:#ff6b00;color:#fff;border:none;padding:15px 40px;border-radius:3px;font-size:16px;font-weight:700;cursor:pointer;font-family:'Public Sans',sans-serif;transition:background .15s;align-self:flex-start}
.eu-submit:hover{background:#e05500}
.eu-conditional{display:none}
.eu-steps{display:flex;align-items:center;gap:0;margin-bottom:28px}
.eu-step-pip{width:26px;height:26px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:700;background:#e8eaf2;color:#888;flex-shrink:0;transition:background .2s}
.eu-step-pip.active,.eu-step-pip.done{background:#1f4fc8;color:#fff}
.eu-step-line{flex:1;height:2px;background:#e8eaf2;transition:background .2s}
.eu-step-line.done{background:#1f4fc8}
.eu-form-step{display:none;flex-direction:column;gap:20px}
.eu-form-step.active{display:flex}
.eu-step-nav{display:flex;gap:10px;margin-top:8px}
.eu-btn-next{background:#1f4fc8;color:#fff;border:none;padding:13px 28px;border-radius:3px;font-size:14px;font-weight:700;cursor:pointer;font-family:'Public Sans',sans-serif}
.eu-btn-prev{background:transparent;color:#555;border:1.5px solid #d8dde8;padding:13px 22px;border-radius:3px;font-size:14px;font-weight:600;cursor:pointer;font-family:'Public Sans',sans-serif}
.eu-tabs{display:flex;border-bottom:2px solid #e8eaf2;margin-bottom:28px}
.eu-tab{padding:11px 22px;font-size:14px;font-weight:600;color:#666;cursor:pointer;border-bottom:2px solid transparent;margin-bottom:-2px;white-space:nowrap;transition:color .15s,border-color .15s}
.eu-tab.active{color:#1f4fc8;border-bottom-color:#1f4fc8}
.eu-tab-panel{display:none;flex-direction:column;gap:20px}
.eu-tab-panel.active{display:flex}
.eu-success{background:#f0faf4;border:1.5px solid #2da05a;border-radius:3px;padding:20px 24px;color:#1a6b3c;font-weight:600;font-size:15px;display:none}