:root{
  --pmi-blue:#0057b8;--pmi-navy:#092146;--pmi-teal:#007680;--pmi-cyan:#68C3D4;
  --pmi-orange:#ff6a13;--pmi-purple:#582c83;--bg:#f5f8fc;--card:#ffffff;
  --text:#172033;--muted:#5b6578;--line:#dbe3ef;--soft-blue:#eef5ff;--soft-orange:#fff4ed;
  --shadow:0 18px 50px rgba(9,33,70,.12);--radius:24px;--max:1180px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:radial-gradient(circle at 6% 0%,rgba(0,118,168,.10),transparent 34%),var(--bg);line-height:1.58}a{color:inherit}img{max-width:100%;display:block}.sr-only{position:absolute;left:-9999px}.nowrap{white-space:nowrap}
.topbar{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid rgba(219,227,239,.85)}
.nav{max-width:var(--max);margin:0 auto;padding:14px 20px;display:flex;align-items:center;justify-content:space-between;gap:18px}.brand{display:flex;align-items:center;gap:12px;font-weight:900;color:var(--pmi-navy);letter-spacing:-.02em;text-decoration:none}.brand-mark{width:48px;height:48px;border-radius:16px;display:grid;place-items:center;color:#fff;font-weight:900;background:linear-gradient(135deg,var(--pmi-blue),var(--pmi-teal));box-shadow:0 12px 24px rgba(0,87,184,.22)}.brand small{display:block;font-weight:700;color:var(--muted)}.nav-toggle{display:none;border:0;background:#eef5ff;color:var(--pmi-navy);border-radius:14px;padding:10px 12px;font-weight:800}.nav-links{display:flex;gap:10px;align-items:center;flex-wrap:wrap}
.btn{border:0;cursor:pointer;display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 18px;border-radius:999px;font-weight:800;text-decoration:none;transition:.18s ease;font-size:14px}.btn:hover{transform:translateY(-1px);text-decoration:none}.btn-primary{background:var(--pmi-orange);color:#fff;box-shadow:0 12px 26px rgba(255,106,19,.26)}.btn-secondary{background:#eef5ff;color:var(--pmi-navy)}.btn-ghost{background:transparent;border:1px solid var(--line);color:var(--pmi-navy)}.btn-dark{background:var(--pmi-navy);color:#fff}.btn-white{background:#fff;color:var(--pmi-navy);box-shadow:0 12px 28px rgba(0,0,0,.12)}.btn-outline{background:rgba(255,255,255,.10);color:#fff;border:1px solid rgba(255,255,255,.28)}.btn-wide{width:100%;border-radius:16px;font-size:16px;padding:15px 20px}
.hero{position:relative;overflow:hidden;color:#fff;background:#092146}.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(110deg,rgba(9,33,70,.96),rgba(0,87,184,.82),rgba(0,118,128,.70)),radial-gradient(circle at 82% 20%,rgba(255,106,19,.35),transparent 24%);z-index:1}.hero.with-img:after{content:"";position:absolute;inset:0;background-image:var(--hero);background-size:cover;background-position:center;opacity:.35;z-index:0}.hero-inner{max-width:var(--max);margin:0 auto;padding:82px 20px 64px;display:grid;grid-template-columns:1.04fr .96fr;gap:34px;position:relative;z-index:2;align-items:center}.eyebrow{display:inline-flex;align-items:center;gap:8px;border:1px solid rgba(255,255,255,.25);background:rgba(255,255,255,.11);border-radius:999px;padding:8px 13px;font-size:13px;font-weight:800;margin-bottom:18px}.hero-title{margin:0;font-size:clamp(38px,5.2vw,68px);line-height:.98;letter-spacing:-.055em}.hero p{font-size:18px;color:rgba(255,255,255,.90);max-width:700px;margin:22px 0 0}.hero-card{background:rgba(255,255,255,.13);border:1px solid rgba(255,255,255,.22);box-shadow:0 24px 80px rgba(0,0,0,.23);border-radius:var(--radius);padding:25px;backdrop-filter:blur(16px)}.hero-card h2{margin:0 0 12px;font-size:24px;letter-spacing:-.02em}.hero-card p{font-size:15px;margin:0 0 18px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.stats{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:22px}.stat{border-radius:18px;background:rgba(255,255,255,.14);padding:14px;border:1px solid rgba(255,255,255,.16);min-height:94px;text-decoration:none}.stat b{display:block;font-size:24px}.stat span{font-size:13px;color:rgba(255,255,255,.84)}
.strip{background:#fff;border-bottom:1px solid var(--line)}.quick-facts{max-width:var(--max);margin:0 auto;padding:18px 20px;display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.fact{background:var(--bg);border:1px solid var(--line);border-radius:18px;padding:15px;text-decoration:none;transition:.18s ease}.fact:hover{transform:translateY(-2px);box-shadow:var(--shadow);border-color:#c6d5eb}.fact b{display:block;color:var(--pmi-navy);font-size:17px}.fact span{color:var(--muted);font-size:13px}
main{max-width:var(--max);margin:0 auto;padding:44px 20px 76px}.section{margin:0 0 42px}.section-head{display:flex;justify-content:space-between;align-items:end;gap:18px;margin:0 0 18px}.kicker,.section-kicker{font-weight:900;color:var(--pmi-orange);text-transform:uppercase;letter-spacing:.11em;font-size:12px}.section-title,h1.page-title,h2.section-title,.section h2{margin:7px 0 12px;color:var(--pmi-navy);font-size:clamp(28px,3.6vw,48px);line-height:1.1;letter-spacing:-.04em}.lead,.section-sub{color:var(--muted);max-width:860px;margin:0 0 24px;font-size:18px}.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.layout{display:grid;grid-template-columns:1.35fr .78fr;gap:20px;align-items:start}.card,.info-card,.form-card,.side-card,.panel-card,.faq-card,.timeline-card,.note-card,.topic-card,.download-panel{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}.card,.info-card{padding:23px;min-height:205px}.card-link,.topic-card{display:block;text-decoration:none;transition:.18s ease;position:relative;overflow:hidden}.card-link:hover,.topic-card:hover{transform:translateY(-3px);box-shadow:0 22px 60px rgba(9,33,70,.18);border-color:#c0d3eb}.read-more{display:inline-flex;margin-top:14px;font-weight:900;color:var(--pmi-orange);font-size:14px}.icon{width:46px;height:46px;border-radius:16px;display:grid;place-items:center;margin-bottom:14px;background:#eef5ff;color:var(--pmi-blue);font-size:23px}.card h3,.info-card h3,.side-card h3,.panel-card h3,.timeline-card h3,.note-card h3,.topic-card h3{margin:0 0 8px;color:var(--pmi-navy);letter-spacing:-.02em}.card p,.info-card p,.side-card p,.panel-card p,.timeline-card p,.faq-card p,.note-card p,.topic-card p,.small-note{color:var(--muted);margin:0}.side-card{padding:22px;margin-bottom:18px}.side-card ul,.card ul,.note-card ul{margin:12px 0 0;padding:0 0 0 18px;color:var(--muted)}.side-card li,.note-card li,.card li{margin:8px 0}.offer-card{min-height:178px}.offer-head{display:flex;justify-content:space-between;gap:12px;align-items:start;margin-bottom:12px}.offer-head span{font-size:20px;font-weight:900;color:var(--pmi-navy);letter-spacing:-.02em}.offer-head b{background:var(--soft-orange);color:#b44502;border:1px solid #ffd0b2;border-radius:999px;padding:7px 10px;font-size:12px;white-space:nowrap}.highlight-card{background:linear-gradient(135deg,#fff,#eef5ff)}.orange-card{background:linear-gradient(135deg,#fff,#fff4ed)}
.timeline{display:grid;gap:14px}.timeline-card{padding:22px;display:grid;grid-template-columns:70px 1fr;gap:16px;align-items:start;text-decoration:none;transition:.18s ease}.timeline-card:hover{transform:translateY(-2px);box-shadow:0 22px 60px rgba(9,33,70,.18)}.step{width:54px;height:54px;border-radius:18px;display:grid;place-items:center;background:linear-gradient(135deg,var(--pmi-blue),var(--pmi-teal));color:#fff;font-weight:900}.notice{border-left:5px solid var(--pmi-orange);background:#fff;border-radius:18px;padding:18px 20px;box-shadow:var(--shadow);color:var(--muted)}.cta{background:linear-gradient(115deg,var(--pmi-navy),var(--pmi-blue),var(--pmi-teal));color:#fff;border-radius:28px;padding:34px;display:grid;grid-template-columns:1fr auto;gap:18px;align-items:center;box-shadow:0 24px 70px rgba(9,33,70,.22)}.cta h2{margin:0;font-size:30px;letter-spacing:-.04em}.cta p{margin:9px 0 0;color:rgba(255,255,255,.84)}.cta a{white-space:nowrap}.muted{color:var(--muted)}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);overflow:hidden;margin-bottom:14px}.faq-question{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:18px 20px;cursor:pointer;font-weight:800;color:var(--pmi-navy);background:#fff;width:100%;border:0;text-align:left;font-family:inherit;font-size:16px}.faq-answer{padding:0 20px 20px;color:var(--muted);display:none}.faq-item.open .faq-answer{display:block}.faq-item.open .faq-icon{transform:rotate(45deg)}.faq-icon{font-size:28px;color:var(--pmi-orange);transition:transform .2s ease}.range-table-wrap{overflow:auto;border:1px solid var(--line);border-radius:18px}.range-table{width:100%;border-collapse:collapse;min-width:560px;background:#fff}.range-table th{background:#eef5ff;color:var(--pmi-navy);font-size:13px;text-transform:uppercase;letter-spacing:.08em;text-align:left}.range-table th,.range-table td{padding:13px 15px;border-bottom:1px solid var(--line);vertical-align:top}.range-table td:last-child{font-weight:900;color:var(--pmi-teal);white-space:nowrap}.range-table tr:last-child td{border-bottom:0}.pill-row{display:flex;gap:10px;flex-wrap:wrap;margin:16px 0}.pill{display:inline-flex;gap:8px;align-items:center;background:#eef5ff;border:1px solid var(--line);border-radius:999px;padding:8px 12px;font-weight:800;text-decoration:none;color:var(--pmi-navy);font-size:13px}.pill.orange{background:#fff4ed;color:#b44502;border-color:#ffd0b2}.download-panel{display:grid;grid-template-columns:1fr auto;gap:18px;align-items:center;padding:24px;margin-bottom:22px}.download-panel h3{margin:0 0 8px;color:var(--pmi-navy)}.download-panel p{margin:0;color:var(--muted)}
.page-hero{max-width:var(--max);margin:0 auto;padding:46px 20px 24px}.page-hero-wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:26px;align-items:center}.image-frame{background:#fff;border-radius:28px;overflow:hidden;border:1px solid var(--line);box-shadow:var(--shadow)}.image-frame img{width:100%;height:100%;object-fit:cover}.note-card{padding:24px}.form-shell{display:grid;grid-template-columns:1.08fr .92fr;gap:24px;align-items:start}.form-card{padding:26px}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.field{display:flex;flex-direction:column;gap:8px;margin-bottom:16px}.field.full{grid-column:1/-1}.field label{font-weight:800;color:var(--pmi-navy);font-size:14px}.field input,.field select,.field textarea{border:1px solid var(--line);border-radius:16px;padding:13px 14px;font-size:15px;color:var(--text);font-family:inherit;background:#fff}.field textarea{min-height:130px;resize:vertical}.check-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.check-item{display:flex;gap:10px;align-items:flex-start;background:var(--bg);border:1px solid var(--line);padding:12px 14px;border-radius:16px}.small{font-size:13px;color:var(--muted)}.hp{position:absolute!important;left:-9999px!important}.success{background:#eefaf3;border:1px solid #bee5cc;color:#215a34;border-radius:18px;padding:16px 18px;margin-bottom:18px}.error{background:#fff3f2;border:1px solid #f0c6c1;color:#8b2d23;border-radius:18px;padding:16px 18px;margin-bottom:18px}
.policy-number{font-size:46px;line-height:1;font-weight:900;color:var(--pmi-orange);letter-spacing:-.05em}.trust-band{background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:28px;padding:26px;display:grid;grid-template-columns:.85fr 1.15fr;gap:24px;align-items:center}.trust-band img{border-radius:22px;min-height:260px;object-fit:cover}.footer{background:var(--pmi-navy);color:#fff;padding:28px 20px}.footer-inner{max-width:var(--max);margin:0 auto;display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}.footer a{color:#fff;text-decoration:none}.footer .muted{opacity:.78;color:#fff}.sticky-cta{position:fixed;right:18px;bottom:18px;z-index:60;display:flex;gap:10px;flex-wrap:wrap;justify-content:flex-end}.sticky-cta .btn{box-shadow:0 12px 30px rgba(0,0,0,.2)}
@media(max-width:1024px){.hero-inner,.page-hero-wrap,.form-shell,.layout,.grid-2,.cta,.trust-band{grid-template-columns:1fr}.grid-3,.grid-4,.quick-facts{grid-template-columns:1fr 1fr}.download-panel{grid-template-columns:1fr}.sticky-cta{left:18px}}
@media(max-width:820px){.nav{align-items:flex-start}.nav-toggle{display:block}.nav-links{display:none;width:100%;flex-direction:column;align-items:stretch}.nav-links.open{display:flex}.hero-inner{padding-top:58px}.field-grid,.check-grid{grid-template-columns:1fr}}
@media(max-width:620px){.grid-3,.grid-4,.quick-facts,.stats{grid-template-columns:1fr}.hero-title{font-size:40px}.hero-actions .btn,.nav-links .btn{width:100%}.timeline-card{grid-template-columns:1fr}.footer-inner{display:block}.page-hero{padding-top:32px}.sticky-cta{position:static;margin:22px 20px}.range-table{min-width:480px}}
@media print{.topbar,.sticky-cta,.footer,.hero-actions,.nav-toggle{display:none!important}body{background:#fff}main{padding:20px}.card,.faq-item,.note-card,.download-panel{box-shadow:none}}

/* v4 refinements */
.action-grid{align-items:stretch}
.action-card{display:grid;grid-template-columns:1fr 210px;gap:20px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:28px;box-shadow:var(--shadow);padding:24px;text-decoration:none;overflow:hidden;transition:.18s ease;min-height:260px}
.action-card:hover{transform:translateY(-3px);box-shadow:0 24px 70px rgba(9,33,70,.18);border-color:#c0d3eb}
.action-card h3{margin:8px 0;color:var(--pmi-navy);font-size:28px;letter-spacing:-.04em}
.action-card p{color:var(--muted);margin:0 0 16px}.action-card b{color:var(--pmi-orange)}
.action-card img{border-radius:22px;height:210px;width:100%;object-fit:cover;background:#eef5ff}
.action-tag{display:inline-flex;background:#eef5ff;color:var(--pmi-navy);border:1px solid var(--line);border-radius:999px;padding:7px 11px;font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.08em}.action-tag.orange{background:#fff4ed;color:#b44502;border-color:#ffd0b2}
.cta-readable{background:#fff;border:1px solid var(--line);border-radius:30px;padding:32px;display:grid;grid-template-columns:1fr auto;gap:22px;align-items:center;box-shadow:var(--shadow);position:relative;overflow:hidden}.cta-readable:before{content:"";position:absolute;inset:0 auto 0 0;width:9px;background:linear-gradient(var(--pmi-orange),var(--pmi-teal))}.cta-readable h2{margin:4px 0 8px;color:var(--pmi-navy);font-size:clamp(28px,3.5vw,42px);line-height:1.08;letter-spacing:-.04em}.cta-readable p{margin:0;color:var(--muted);max-width:760px}.cta-actions{display:flex;gap:12px;flex-wrap:wrap;justify-content:flex-end}
.form-hero .image-frame{min-height:380px}.form-hero .image-frame img{min-height:380px;object-fit:cover}
.form-card h2{margin:0 0 8px;color:var(--pmi-navy);font-size:30px;letter-spacing:-.03em}
.side-card b{color:var(--pmi-orange);font-size:28px}
@media(max-width:1024px){.action-card,.cta-readable{grid-template-columns:1fr}.cta-actions{justify-content:flex-start}.action-card img{height:240px}}
@media(max-width:620px){.action-card{grid-template-columns:1fr}.action-card h3{font-size:24px}.cta-readable{padding:26px 22px}.cta-actions .btn{width:100%}}