:root{--procedure-navy:#072f57;--procedure-blue:#0879c9;--procedure-cyan:#13a4dc;--procedure-yellow:#ffd14a;--procedure-text:#15324b;--procedure-muted:#66798b;--procedure-line:#dce8f2;--procedure-bg:#f4f8fc}
.procedure-page{position:relative;overflow:hidden;background:linear-gradient(180deg,#f7fbff 0,#f4f8fc 55%,#fff 100%);color:var(--procedure-text);min-height:70vh}
.procedure-hero{position:relative;isolation:isolate;background:linear-gradient(130deg,#062d55 0%,#075a95 58%,#0b8bc5 100%);color:#fff;padding:72px 0 64px;overflow:hidden}
.procedure-hero:after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:34px 34px;mask-image:linear-gradient(to bottom,#000,transparent);z-index:-1}
.procedure-orb{position:absolute;border-radius:999px;filter:blur(2px);opacity:.32;z-index:-1;animation:procedureFloat 8s ease-in-out infinite}
.procedure-orb-a{width:290px;height:290px;right:-60px;top:-110px;background:#29b7f0}
.procedure-orb-b{width:190px;height:190px;left:7%;bottom:-120px;background:#ffd14a;animation-delay:-3s}
.procedure-hero-inner{display:flex;align-items:flex-end;justify-content:space-between;gap:32px}
.procedure-hero-copy{max-width:760px}.procedure-kicker{display:inline-flex;padding:8px 13px;border:1px solid rgba(255,255,255,.2);border-radius:999px;background:rgba(255,255,255,.1);font-size:.75rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase}
.procedure-hero h1{font-size:clamp(2.2rem,5vw,4.35rem);line-height:.98;margin:22px 0 18px;letter-spacing:-.045em}.procedure-hero p{max-width:720px;margin:0;color:rgba(255,255,255,.78);font-size:1.06rem;line-height:1.75}
.procedure-language{display:inline-flex;padding:5px;border-radius:16px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);backdrop-filter:blur(14px);box-shadow:0 16px 40px rgba(0,0,0,.16)}
.procedure-language button{min-width:58px;border:0;border-radius:11px;padding:11px 15px;background:transparent;color:#fff;font-weight:900;cursor:pointer;transition:.2s ease}.procedure-language button.is-active{background:#fff;color:var(--procedure-navy);box-shadow:0 8px 20px rgba(0,0,0,.16)}
.procedure-shell{padding-top:34px;padding-bottom:72px}.procedure-intro-card{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:18px 20px;border:1px solid rgba(8,121,201,.15);border-radius:20px;background:rgba(255,255,255,.82);backdrop-filter:blur(18px);box-shadow:0 18px 50px rgba(6,57,99,.08);opacity:0;transform:translateY(16px);transition:.45s ease}.procedure-intro-card.is-visible{opacity:1;transform:none}.procedure-intro-card>div{display:flex;align-items:center;gap:13px}.procedure-intro-card p{margin:0;color:var(--procedure-muted);line-height:1.6}.procedure-intro-icon{display:grid;place-items:center;width:38px;height:38px;border-radius:12px;background:linear-gradient(135deg,#0879c9,#13a4dc);color:#fff;font-weight:900}.procedure-intro-card a{display:inline-flex;align-items:center;gap:12px;color:#0870b8;text-decoration:none;font-weight:800;white-space:nowrap}
.procedure-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin-top:24px}.procedure-card{--accent:#0879c9;border:1px solid rgba(14,73,116,.12);border-radius:22px;background:rgba(255,255,255,.82);backdrop-filter:blur(20px) saturate(135%);box-shadow:0 18px 50px rgba(5,47,87,.08);overflow:hidden;opacity:0;transform:translateY(18px);transition:transform .45s ease,opacity .45s ease,box-shadow .25s ease,border-color .25s ease}.procedure-card.is-visible{opacity:1;transform:none}.procedure-card:hover{border-color:color-mix(in srgb,var(--accent) 45%,#fff);box-shadow:0 22px 60px rgba(5,47,87,.13)}.procedure-card.is-wide{grid-column:1/-1}.procedure-card.accent-orange{--accent:#f47a31}.procedure-card.accent-green{--accent:#8bc929}.procedure-card.accent-gold{--accent:#e5ae16}.procedure-card.accent-blue{--accent:#0879c9}.procedure-card.accent-navy{--accent:#082f58}
.procedure-card-toggle{width:100%;display:flex;align-items:center;gap:14px;border:0;padding:17px 18px;background:linear-gradient(135deg,var(--accent),color-mix(in srgb,var(--accent) 76%,#183b5f));color:#fff;text-align:left;cursor:pointer}.procedure-card-icon{display:grid;place-items:center;width:40px;height:40px;border-radius:13px;background:rgba(255,255,255,.16);font-weight:900;font-size:1.1rem}.procedure-card-title{flex:1}.procedure-card-title strong{font-size:1rem}.procedure-card-chevron{font-size:1.35rem;transition:transform .2s ease}.procedure-card-toggle[aria-expanded="true"] .procedure-card-chevron{transform:rotate(180deg)}
.procedure-card-content{padding:22px}.procedure-section-intro{margin:0 0 16px;color:#526a7d;line-height:1.72}.procedure-list{display:grid;gap:11px;margin:0;padding:0;list-style:none}.procedure-list li{position:relative;padding:12px 14px 12px 39px;border-radius:14px;background:#f7fafc;border:1px solid #e6eef5;line-height:1.55}.procedure-list li:before{content:"✓";position:absolute;left:13px;top:12px;display:grid;place-items:center;width:18px;height:18px;border-radius:999px;background:color-mix(in srgb,var(--accent) 14%,#fff);color:var(--accent);font-weight:900;font-size:.72rem}.procedure-list strong,.procedure-list span{display:block}.procedure-list strong{margin-bottom:3px}.procedure-list span{color:#556d80}
.procedure-steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin:0;padding:0;list-style:none}.procedure-steps li{padding:16px;border:1px solid #e1ebf3;border-radius:17px;background:linear-gradient(145deg,rgba(255,255,255,.96),rgba(242,248,252,.9));min-height:165px}.procedure-steps li>span{display:grid;place-items:center;width:34px;height:34px;border-radius:11px;background:linear-gradient(135deg,var(--accent),color-mix(in srgb,var(--accent) 70%,#193b5c));color:#fff;font-weight:900;box-shadow:0 8px 20px color-mix(in srgb,var(--accent) 25%,transparent)}.procedure-steps strong{display:block;margin:14px 0 7px}.procedure-steps p{margin:0;color:#5b7182;line-height:1.55;font-size:.9rem}.procedure-note{margin-top:16px;padding:14px 16px;border-radius:14px;background:#fff8dc;border:1px solid #f1d77b;color:#725c11;line-height:1.55}
.procedure-cta{display:flex;align-items:center;justify-content:space-between;gap:28px;margin-top:24px;padding:30px;border-radius:26px;color:#fff;background:linear-gradient(125deg,#062f58,#0879c9 72%,#12a4dc);box-shadow:0 26px 70px rgba(5,54,96,.2);opacity:0;transform:translateY(18px);transition:.45s ease}.procedure-cta.is-visible{opacity:1;transform:none}.procedure-cta span{font-size:.78rem;text-transform:uppercase;letter-spacing:.12em;font-weight:900;color:#ffd14a}.procedure-cta h2{margin:8px 0 0;max-width:650px;font-size:clamp(1.35rem,3vw,2.2rem);line-height:1.15}.procedure-cta-actions{display:flex;gap:10px;flex-wrap:wrap}.procedure-cta-actions a{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 18px;border-radius:14px;background:#ffd14a;color:#12314d;text-decoration:none;font-weight:900;white-space:nowrap}.procedure-cta-actions a.is-light{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.24);color:#fff}.procedure-state{padding:28px;border-radius:20px;background:#fff;border:1px solid #dfe9f2;box-shadow:0 18px 50px rgba(5,47,87,.08)}.procedure-state.is-error{border-color:#efc3c3;background:#fff7f7}.procedure-state p{margin-bottom:0;color:#617487}
@keyframes procedureFloat{50%{transform:translate3d(0,18px,0) scale(1.04)}}
@media(max-width:980px){.procedure-steps{grid-template-columns:repeat(2,minmax(0,1fr))}.procedure-grid{grid-template-columns:1fr}.procedure-card.is-wide{grid-column:auto}.procedure-hero-inner,.procedure-cta{align-items:flex-start;flex-direction:column}.procedure-language{align-self:flex-start}}
@media(max-width:640px){.procedure-hero{padding:54px 0 46px}.procedure-hero h1{font-size:2.35rem}.procedure-shell{padding-top:20px}.procedure-intro-card{align-items:flex-start;flex-direction:column}.procedure-grid{gap:14px}.procedure-card{border-radius:18px}.procedure-card-toggle{padding:14px}.procedure-card-content{padding:16px}.procedure-steps{grid-template-columns:1fr}.procedure-steps li{min-height:0}.procedure-cta{padding:23px;border-radius:20px}.procedure-cta-actions{width:100%}.procedure-cta-actions a{flex:1;min-width:140px}.procedure-language{position:absolute;right:16px;top:16px}.procedure-language button{min-width:45px;padding:9px 11px}.procedure-hero-copy{padding-top:38px}}
@media(prefers-reduced-motion:reduce){.procedure-orb,.procedure-card,.procedure-intro-card,.procedure-cta{animation:none!important;transition:none!important;transform:none!important;opacity:1!important}}

/* v10.5.1 — full-width opening section, six-step flow, crisp CTA contrast */
.procedure-card.is-terms .procedure-list{
  grid-template-columns:repeat(2,minmax(0,1fr));
  align-items:stretch;
}
.procedure-card.is-terms .procedure-list li{
  min-height:100%;
}
.procedure-card.is-terms .procedure-list li:last-child:nth-child(odd){
  grid-column:1/-1;
}
.procedure-steps{
  grid-template-columns:repeat(3,minmax(0,1fr));
}
.procedure-cta > div > span{
  font-size:.78rem;
  text-transform:uppercase;
  letter-spacing:.12em;
  font-weight:900;
  color:#ffd14a;
}
.procedure-cta-actions a span{
  color:inherit;
  font-size:inherit;
  font-weight:inherit;
  letter-spacing:normal;
  line-height:1.2;
  text-transform:none;
}
.procedure-cta-actions a{
  background:#ffd14a;
  color:#102f4b;
  border:1px solid rgba(255,209,74,.75);
  box-shadow:0 10px 26px rgba(255,209,74,.22);
}
.procedure-cta-actions a:hover,
.procedure-cta-actions a:focus-visible{
  background:#ffe07a;
  color:#082f58;
  transform:translateY(-1px);
}
.procedure-cta-actions a.is-light{
  background:#fff;
  border-color:rgba(255,255,255,.88);
  color:#082f58;
  box-shadow:0 10px 26px rgba(0,0,0,.12);
}
.procedure-cta h2{
  color:#fff;
}
@media(max-width:980px){
  .procedure-steps{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:700px){
  .procedure-card.is-terms .procedure-list,
  .procedure-steps{grid-template-columns:1fr}
  .procedure-card.is-terms .procedure-list li:last-child:nth-child(odd){grid-column:auto}
}