.welcome-banner{display:grid;grid-template-columns:60px 1fr 340px;gap:28px;align-items:center;background:linear-gradient(135deg,#0B57A4,#1a8ad4);border-radius:var(--radius-lg);padding:40px;color:var(--white)}
.welcome-icon{font-size:2.5rem;color:var(--gold)}
.welcome-text h2{font-size:1.4rem;font-weight:700;margin-bottom:12px}
.welcome-text p{font-size:.9rem;line-height:1.8;opacity:.9;margin-bottom:10px}
.welcome-img img{width:100%;height:200px;object-fit:cover;border-radius:var(--radius-md);opacity:.85}
.req-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px}
.req-card{background:var(--white);border-radius:var(--radius-md);padding:36px;box-shadow:var(--shadow-sm);border-top:4px solid var(--primary-blue);transition:transform .3s,box-shadow .3s}
.req-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.req-header{display:flex;align-items:center;gap:16px;margin-bottom:24px}
.req-icon{width:56px;height:56px;background:var(--primary-blue);border-radius:14px;display:flex;align-items:center;justify-content:center;color:var(--white);font-size:1.3rem;flex-shrink:0}
.req-header h3{font-size:1.1rem;font-weight:700;color:var(--dark-text)}
.req-badge{display:inline-block;background:rgba(11,87,164,.1);color:var(--primary-blue);font-size:.72rem;font-weight:600;padding:3px 10px;border-radius:20px;margin-top:4px}
.req-list{display:flex;flex-direction:column;gap:12px}
.req-list li{display:flex;align-items:center;gap:12px;font-size:.87rem;color:#444}
.req-list li i{color:var(--green-cta);font-size:.9rem;flex-shrink:0}
.steps-row{display:grid;grid-template-columns:1fr auto 1fr auto 1fr auto 1fr auto 1fr;gap:0;align-items:start}
.step-card{background:var(--white);border-radius:var(--radius-md);padding:28px 20px;box-shadow:var(--shadow-sm);text-align:center;transition:transform .3s,box-shadow .3s}
.step-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.step-num{font-size:2rem;font-weight:800;color:rgba(11,87,164,.12);line-height:1;margin-bottom:4px}
.step-icon{width:60px;height:60px;background:var(--primary-blue);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--white);font-size:1.3rem;margin:0 auto 14px}
.step-card h4{font-size:.95rem;font-weight:700;color:var(--dark-text);margin-bottom:8px}
.step-card p{font-size:.8rem;color:#555;line-height:1.6}
.step-connector{display:flex;align-items:center;justify-content:center;padding:0 4px;margin-top:60px;color:var(--soft-lavender);font-size:1rem}
.docs-layout{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.docs-list{display:flex;flex-direction:column;gap:16px}
.doc-item{display:flex;align-items:flex-start;gap:14px;padding:16px;background:var(--white);border-radius:var(--radius-sm);box-shadow:var(--shadow-sm)}
.doc-item i{color:var(--green-cta);font-size:1.1rem;flex-shrink:0;margin-top:2px}
.doc-item strong{display:block;font-size:.9rem;font-weight:600;color:var(--dark-text)}
.doc-item span{display:block;font-size:.8rem;color:#666;margin-top:2px}
.docs-img{position:relative}
.docs-img img{width:100%;height:360px;object-fit:cover;border-radius:var(--radius-lg);box-shadow:var(--shadow-lg)}
.docs-caption{position:absolute;bottom:0;left:0;right:0;background:linear-gradient(to top,rgba(11,87,164,.9),transparent);padding:24px 20px;border-radius:0 0 var(--radius-lg) var(--radius-lg);display:flex;align-items:center;gap:8px;color:var(--white);font-size:.85rem;font-weight:500}
.docs-caption i{color:var(--gold)}
.fees-note{background:rgba(11,87,164,.06);border:1px solid rgba(11,87,164,.15);border-radius:var(--radius-sm);padding:20px 24px;display:flex;align-items:flex-start;gap:14px;margin-bottom:32px}
.fees-note i{color:var(--primary-blue);font-size:1.2rem;flex-shrink:0;margin-top:2px}
.fees-note p{font-size:.9rem;color:#444;line-height:1.7}
.fees-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.fee-cat{background:var(--white);border-radius:var(--radius-md);padding:28px;box-shadow:var(--shadow-sm);text-align:center;border-bottom:3px solid var(--primary-blue);transition:transform .3s,box-shadow .3s}
.fee-cat:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.fee-cat i{font-size:1.8rem;color:var(--primary-blue);margin-bottom:14px;display:block}
.fee-cat h4{font-size:.98rem;font-weight:700;color:var(--dark-text);margin-bottom:8px}
.fee-cat p{font-size:.82rem;color:#555;line-height:1.6}
.fees-cta{background:var(--light-bg);border-radius:var(--radius-md);padding:32px;text-align:center;margin-top:32px}
.fees-cta p{font-size:1rem;color:#444;font-weight:500}
.adm-cta-band{background:linear-gradient(135deg,var(--primary-blue),var(--uniform-brown));padding:60px 0}
.adm-cta-content{display:flex;align-items:center;gap:32px;flex-wrap:wrap;justify-content:center;text-align:center}
.adm-cta-badge{width:80px;filter:drop-shadow(0 4px 12px rgba(0,0,0,.3));flex-shrink:0}
.adm-cta-content h2{font-size:clamp(1.4rem,3vw,2rem);font-weight:800;color:var(--white);margin-bottom:8px}
.adm-cta-content p{font-size:.95rem;color:rgba(255,255,255,.8)}
.adm-cta-btns{display:flex;gap:14px;flex-wrap:wrap;justify-content:center}
@media(max-width:1200px){.steps-row{grid-template-columns:repeat(3,1fr);gap:20px}.step-connector{display:none}}
@media(max-width:1024px){.welcome-banner{grid-template-columns:1fr;text-align:center}.welcome-icon{font-size:2rem}.welcome-img{display:none}.docs-layout,.req-grid{grid-template-columns:1fr}.fees-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:768px){.steps-row{grid-template-columns:1fr 1fr;gap:16px}.fees-grid{grid-template-columns:1fr}}
@media(max-width:500px){.steps-row{grid-template-columns:1fr}}