:root{--icc-navy:#071a3d;--icc-blue:#0b4ea2;--icc-red:#c41230;--icc-teal:#39aeb3;--icc-gold:#c99a35;--ink:#172033;--muted:#5f6b7a;--line:#d9dee7;--surface:#fff;--bg:#f4f6f8;--shadow:0 16px 42px rgba(7,26,61,.10);--font:"Helvetica Neue",Helvetica,Arial,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--font);font-weight:400;-webkit-font-smoothing:antialiased}button,input,select,textarea{font:inherit}.site-bar{height:36px;background:var(--icc-navy);color:#fff}.site-bar-inner,.masthead-inner,.hero-inner,.application-layout,.footer-inner{width:min(1240px,calc(100% - 48px));margin:0 auto}.site-bar-inner{height:36px;display:flex;align-items:center;justify-content:space-between;font-size:10px;letter-spacing:.14em;text-transform:uppercase;font-weight:700}.masthead{background:#fff;border-bottom:1px solid var(--line)}.masthead-inner{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--icc-navy)}.brand img{width:48px;height:48px;object-fit:contain}.brand strong{display:block;font-size:14px;line-height:1.1;letter-spacing:.01em;text-transform:uppercase}.brand span{display:block;margin-top:4px;color:var(--muted);font-size:10px;letter-spacing:.08em;text-transform:uppercase}.masthead-links{display:flex;align-items:center;gap:18px;font-size:12px}.masthead-links a{color:var(--icc-navy);text-decoration:none}.hero{position:relative;overflow:hidden;background:linear-gradient(112deg,#071a3d 0%,#0d2c5b 62%,#123f73 100%);color:#fff}.hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:4px;background:linear-gradient(90deg,var(--icc-red),var(--icc-gold),var(--icc-teal),#2467bd)}.hero-inner{min-height:330px;display:grid;grid-template-columns:minmax(0,1.25fr) minmax(320px,.75fr);gap:54px;align-items:center;padding:52px 0 56px}.hero-kicker{margin:0 0 12px;color:#d9e5f7;font-size:11px;letter-spacing:.15em;text-transform:uppercase;font-weight:700}.hero h1{margin:0;max-width:760px;font-size:clamp(38px,5vw,66px);line-height:.98;letter-spacing:-.055em;font-weight:400}.hero-copy{max-width:720px;margin:18px 0 0;color:rgba(255,255,255,.82);font-size:15px;line-height:1.65}.hero-points{margin-top:24px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.hero-point{padding-left:12px;border-left:2px solid var(--icc-red)}.hero-point strong{display:block;font-size:12px}.hero-point span{display:block;margin-top:4px;color:rgba(255,255,255,.68);font-size:11px;line-height:1.35}.account-card{background:#fff;color:var(--ink);border-top:4px solid var(--icc-red);padding:24px;box-shadow:0 22px 54px rgba(0,0,0,.18)}.account-card h2{margin:0;color:var(--icc-navy);font-size:20px;font-weight:600}.account-card p{margin:10px 0 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span{display:block;margin-top:2px;color:var(--muted);font-size:11px}.application-layout{display:grid;grid-template-columns:250px minmax(0,1fr);gap:22px;align-items:start;padding:28px 0 64px}.application-nav{position:sticky;top:18px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow)}.nav-heading{padding:20px;border-bottom:1px solid var(--line)}.nav-heading strong{display:block;color:var(--icc-navy);font-size:13px}.nav-heading span{display:block;margin-top:4px;color:var(--muted);font-size:11px;line-height:1.4}.step-list{padding:10px}.step-button{width:100%;min-height:54px;border:0;background:transparent;display:grid;grid-template-columns:34px 1fr;gap:10px;align-items:center;text-align:left;padding:8px;cursor:pointer;color:var(--muted)}.step-button+.step-button{border-top:1px solid #eef1f5}.step-number{width:30px;height:30px;border:1px solid #cfd5df;display:grid;place-items:center;color:var(--icc-navy);font-size:11px;font-weight:700}.step-button strong{display:block;color:inherit;font-size:12px;font-weight:600}.step-button span:last-child{display:block;margin-top:2px;font-size:10px;line-height:1.25}.step-button.active{color:var(--icc-navy);background:#f6f8fb}.step-button.active .step-number{background:var(--icc-navy);color:#fff;border-color:var(--icc-navy)}.step-button.complete .step-number{background:#e7f5ef;border-color:#9ad0b8;color:#08744f}.nav-help{padding:16px 18px;border-top:1px solid var(--line);font-size:11px;line-height:1.5;color:var(--muted)}.form-shell{display:none}.form-shell.show{display:block}.status-banner{display:none;margin-bottom:16px;padding:15px 17px;border-left:4px solid var(--icc-teal);background:#fff;border-top:1px solid var(--line);border-right:1px solid var(--line);border-bottom:1px solid var(--line)}.status-banner.show{display:block}.status-banner strong{display:block;color:var(--icc-navy);font-size:13px}.status-banner 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h2{font-size:25px}.actions{align-items:stretch;flex-direction:column}.action-group{display:grid;grid-template-columns:1fr 1fr}.button{width:100%}.footer-inner{display:block}.footer-inner>div+div{margin-top:10px}}