/* Shared Benart palette and components for every public page. */
body.modern-home, body.modern-inner {
  --brand-navy: #16276b;
  --brand-blue: #0879b4;
  --brand-green: #6cae36;
  --brand-green-ink: #397322;
  --brand-gold: #efb52f;
  --primary: #16276b;
  --ink: #16276b;
  --secondary: #6cae36;
  --inner-primary: #16276b;
  --inner-ink: #16276b;
  --inner-aqua: #0879b4;
  --inner-secondary: #397322;
  background: #f5faff;
}
body.modern-inner {
  background: radial-gradient(ellipse 650px 440px at 100% 0, #e8f3dd, transparent 80%),
              radial-gradient(ellipse 700px 500px at 0 0, #e0f2fd, transparent 80%), #f7fbff;
}
body .modern-header-wrap .header-btn { background: var(--brand-blue); }
body .modern-header-wrap .main-menu ul li.active > a,
body .modern-header-wrap .main-menu ul li:hover > a { background: #eef7e7; color: #397322; }
body .modern-header-wrap .mobile_menu .slicknav_btn { background: #16276b !important; }
body .modern-header-wrap .mobile_menu .slicknav_nav a:hover { background: #eef7e7; color: #397322 !important; }
body a:focus-visible, body button:focus-visible, body summary:focus-visible { outline-color: #0879b4; }
.modern-inner .inner-hero-box {
  background: linear-gradient(120deg, #16276b, #174e86);
  border: 1px solid #254b87;
  box-shadow: 0 12px 32px #16276b12;
}
.modern-inner .inner-hero-box h1 { color: #fff; }
.modern-inner .inner-hero-box p { color: #dceafa; }
.modern-inner .inner-hero-box .eyebrow { color: #ffdc7c; }
.modern-inner .section-head > span { color: #397322; }
.modern-inner .section-head h2 { color: #16276b; }
.modern-inner .inner-cta { background: #16276b; border-top: 4px solid #efb52f; }
.modern-inner .inner-cta > a { background: #efb52f; color: #162653; }
.modern-inner .inner-cta > a:hover { background: #ffcc57; }
.modern-inner .products-grid > article,
.modern-inner .downloads-grid > article,
.modern-inner .info-grid > article,
.modern-inner .guide-grid > article { --card-accent: #0879b4; --card-tint: #e6f4fc; border-top: 4px solid var(--card-accent) !important; }
.modern-inner .products-grid > article:nth-child(4n+2),
.modern-inner .downloads-grid > article:nth-child(4n+2),
.modern-inner .info-grid > article:nth-child(4n+2),
.modern-inner .guide-grid > article:nth-child(4n+2) { --card-accent: #397322; --card-tint: #eef7e7; }
.modern-inner .products-grid > article:nth-child(4n+3),
.modern-inner .downloads-grid > article:nth-child(4n+3),
.modern-inner .guide-grid > article:nth-child(4n+3) { --card-accent: #956100; --card-tint: #fff5d9; }
.modern-inner .products-grid > article:nth-child(4n+4),
.modern-inner .downloads-grid > article:nth-child(4n+4) { --card-accent: #16276b; --card-tint: #ecf0fc; }
.modern-inner .product-extended .badge-icon,
.modern-inner .download-resource .resource-icon,
.modern-inner .info-card .icon-wrap { background: var(--card-tint) !important; color: var(--card-accent) !important; }
.modern-inner .product-apply, .modern-inner .guide-number { color: var(--card-accent, #0879b4); }
.modern-inner .download-resource .resource-btn { background: #0879b4; }
.modern-inner .download-resource .resource-btn:hover { background: #066497; }
.modern-inner .resource-online, .modern-inner .requirements-wrap { background: #f1f8ec; border-color: #d4e5c5; }
.modern-inner .about-story-image { background: #eef6fd; }
.modern-inner .story-chip { background: #fff5d9; color: #16276b; border: 1px solid #efb52f66; }
.modern-inner .value-pill i { color: #397322; }
.modern-inner .process-section { background: linear-gradient(120deg, #16276b, #135989); }
.modern-inner .process-section .section-head > span { color: #ffdc7c; }
.modern-inner .process-section .section-head h2 { color: #fff; }
.modern-inner .contact-form-card { border-top: 4px solid #0879b4 !important; }
.modern-inner .contact-icon { color: #0879b4 !important; background: #e6f4fc !important; }
.modern-inner .contact-info-item:nth-child(2) .contact-icon { color: #397322 !important; background: #eef7e7 !important; }
.modern-inner .contact-info-item:nth-child(3) .contact-icon { color: #956100 !important; background: #fff5d9 !important; }
.modern-inner #contactSubmitBtn { background: #0879b4; box-shadow: 0 7px 18px #0879b422; }
.modern-inner #contactSubmitBtn:hover { background: #066497; }
.modern-inner .form-control:focus { border-color: #0879b4; box-shadow: 0 0 0 3px #0879b41c; }
/* Application pages retain the guided form and a quieter reading surface. */
.apply-page .apply-side { background: #16276b; padding: 22px; border-radius: 16px; border-top: 4px solid #efb52f; }
.apply-page .apply-side h3 { color: #fff; }
.apply-page .apply-side p, .apply-page .apply-side li { color: #dceafa; }
.apply-page .apply-side li i { color: #ffdc7c; }
.apply-page .apply-card { border-top: 4px solid #0879b4; }
.apply-page .requirements-panel { background: #f1f8ec; border-color: #d4e5c5; }
.apply-page .requirements-panel summary { color: #397322; }
.apply-page .application-download-btn { background: #16276b; }
.apply-page .step-progress .complete { background: #6cae36; }
.apply-page .step-caption { color: #397322; }
.apply-page .form-block h4, .apply-page .apply-card-head h2 { color: #16276b; }
.apply-page .single-form input:focus,
.apply-page .single-form select:focus,
.apply-page .single-form textarea:focus { border-color: #0879b4; box-shadow: 0 0 0 3px #0879b41c; }
.apply-page .gender-chip input:checked + label { background: #0879b4; }
.apply-page .apply-btn { background: #0879b4; box-shadow: none; }
.apply-page .apply-btn:hover:not(:disabled) { background: #066497; box-shadow: 0 6px 16px #0879b422; }
.apply-page .step-back { border-color: #bdd4e7; color: #16276b; }
.apply-page .review-section button { color: #0879b4; }
body #calc-toggle { background: #efb52f; color: #162653; }
body #calc-toggle:hover { background: #ffcc57; color: #162653; }
body #calc-toggle:focus-visible { outline-color: #16276b; }
body .whatsapp-chat { background: #397322; }
/* Shared footer: prominent support, clear links, and a compact brand signature. */
.modern-footer.brand-footer {
  position: relative;
  background: #111e52;
  padding: 0 0 90px;
  color: #dce7fa;
  border-top: 4px solid transparent;
  border-image: linear-gradient(90deg, #0879b4 0 40%, #6cae36 40% 75%, #efb52f 75%) 1;
}
.brand-footer .footer-invitation {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 28px;
  padding: 40px 0;
  border-bottom: 1px solid #ffffff22;
}
.brand-footer .footer-eyebrow { display: block; color: #ffdc7c; font-size: 11px; font-weight: 800; letter-spacing: .15em; text-transform: uppercase; margin-bottom: 10px; }
.brand-footer .footer-invitation h2 { color: #fff; font-size: clamp(25px, 3vw, 36px); line-height: 1.2; margin: 0 0 8px; letter-spacing: -.03em; }
.brand-footer .footer-invitation p { margin: 0; color: #c6d7ef; font-size: 14px; }
.brand-footer .footer-support-actions { display: flex; gap: 12px; flex-shrink: 0; }
.brand-footer .footer-support-actions a { min-height: 48px; display: inline-flex; align-items: center; justify-content: center; gap: 10px; padding: 12px 20px; border-radius: 9px; font-weight: 800; font-size: 14px; }
.brand-footer .footer-support-primary { background: #efb52f; color: #162653; }
.brand-footer .footer-support-primary:hover { background: #ffcc57; color: #162653; }
.brand-footer .footer-support-secondary { border: 1px solid #ffffff50; color: #fff; }
.brand-footer .footer-support-secondary:hover { background: #ffffff0c; color: #fff; }
.brand-footer .footer-main-grid { display: grid; grid-template-columns: 1.55fr .8fr .9fr 1.3fr; gap: 36px; padding: 38px 0 30px; }
.brand-footer .footer-logo { display: inline-flex; padding: 12px 16px; background: #fff; border-radius: 10px; }
.brand-footer .footer-logo img { width: 180px; height: auto; }
.brand-footer .footer-brand-copy { max-width: 270px; color: #c6d7ef; margin: 18px 0 14px; font-size: 13px; }
.brand-footer .footer-location-label { color: #ffdc7c; font-size: 12px; }
.brand-footer .footer-main-grid h3 { color: #fff; font-size: 14px; font-weight: 700; margin: 0 0 12px; }
.brand-footer .footer-main-grid ul { margin: 0; padding: 0; list-style: none; }
.brand-footer .footer-main-grid li a { display: inline-flex; align-items: center; min-height: 38px; color: #c6d7ef; font-size: 13px; }
.brand-footer .footer-main-grid li a:hover { color: #ffdc7c; }
.brand-footer .footer-contact-list li { margin-bottom: 8px; }
.brand-footer .footer-contact-list a { overflow-wrap: anywhere; }
.brand-footer .footer-contact-list i { color: #ffdc7c; width: 20px; margin-right: 6px; }
.brand-footer .footer-address { font-style: normal; color: #c6d7ef; font-size: 13px; line-height: 1.8; margin: 12px 0 0; }
.brand-footer .footer-social-link { display: inline-flex; gap: 10px; align-items: center; min-height: 44px; color: #c6d7ef; margin-top: 8px; }
.brand-footer .footer-social-link i { display: inline-flex; align-items: center; justify-content: center; width: 32px; height: 32px; border: 1px solid #ffffff35; border-radius: 50%; }
.brand-footer .footer-base { padding-top: 22px; border-top: 1px solid #ffffff22; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px 24px; color: #afc3e2; font-size: 11px; }
.brand-footer .footer-base-links { display: flex; flex-wrap: wrap; gap: 20px; }
.brand-footer .footer-base a { color: #c6d7ef; font-size: 11px; min-height: 30px; display: inline-flex; align-items: center; }
.brand-footer a:focus-visible { outline: 3px solid #efb52f; outline-offset: 4px; }
@media (max-width: 991px) {
  .brand-footer .footer-invitation { flex-direction: column; align-items: flex-start; gap: 20px; }
  .brand-footer .footer-main-grid { grid-template-columns: 1.2fr 1fr; gap: 30px; }
}
@media (max-width: 767px) {
  .apply-page .inner-hero-box { padding: 24px 20px; background: linear-gradient(120deg, #16276b, #174e86); border: 1px solid #254b87; }
  .apply-page .inner-hero-box h1 { font-size: 27px; }
  .brand-footer .footer-invitation { padding: 30px 0; }
  .brand-footer .footer-support-actions { flex-wrap: wrap; width: 100%; }
  .brand-footer .footer-support-actions a { flex: 1; padding: 12px 14px; }
  .brand-footer .footer-main-grid { grid-template-columns: 1fr 1fr; gap: 26px 20px; padding: 30px 0; }
  .brand-footer .footer-brand-column, .brand-footer .footer-contact-column { grid-column: 1 / -1; }
  .brand-footer .footer-brand-copy { max-width: 100%; }
  .brand-footer .footer-main-grid li a { min-height: 44px; }
  .brand-footer .footer-base { align-items: flex-start; flex-direction: column; }
  .brand-footer .footer-base a { min-height: 40px; }
}
@media (min-width: 768px) {
  /* Keep the footer's final links above the floating contact tools. */
  .modern-footer.brand-footer { padding-bottom: 150px; }
}

/* Direct navigation between personal and business applications. */
.application-switch-wrap { padding-top: 20px; }
.application-switch {
  display: inline-flex;
  gap: 6px;
  padding: 6px;
  background: #e8eff7;
  border: 1px solid #cfdaea;
  border-radius: 12px;
}
.application-switch a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 24px;
  border-radius: 8px;
  color: #16276b;
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
}
.application-switch a:hover { background: #fff; color: #16276b; }
.application-switch a[aria-current="page"] { background: #efb52f; color: #162653; }
@media (max-width: 767px) {
  .application-switch-wrap { padding-top: 16px; }
  .application-switch { display: flex; width: 100%; }
  .application-switch a { flex: 1; padding: 12px 8px; font-size: 13px; }
}
/* Lightweight branded page entrance; hidden when scripting is unavailable. */
body #preloader-active.brand-loader:not([hidden]) {
  display: grid !important;
  place-items: center;
  position: fixed;
  inset: 0;
  z-index: 19000;
  background: radial-gradient(ellipse at 70% 30%, #eaf4e1, transparent 65%), #f5faff;
  pointer-events: none;
  opacity: 1;
  transition: opacity 220ms ease, visibility 220ms ease;
}
body #preloader-active.brand-loader.is-leaving { opacity: 0; visibility: hidden; }
.brand-loader-content { width: min(260px, 74vw); text-align: center; }
.brand-loader-logo { background: #fff; padding: 22px 24px; border-radius: 16px; box-shadow: 0 12px 38px #16276b0d; }
.brand-loader-logo img { display: block; width: 100%; height: auto; }
.brand-loader-track { height: 4px; background: #dce6ee; overflow: hidden; border-radius: 4px; margin: 26px 22px 18px; }
.brand-loader-track::after {
  content: ''; display: block; width: 60%; height: 100%; border-radius: inherit;
  background: linear-gradient(90deg, #0879b4, #6cae36 55%, #efb52f);
  animation: brand-loader-sweep 1.1s ease-in-out infinite;
}
.brand-loader-content p { margin: 0; font-size: 12px; font-weight: 700; color: #16276b; letter-spacing: .03em; }
@keyframes brand-loader-sweep { from { transform: translateX(-110%); } to { transform: translateX(180%); } }
@media (prefers-reduced-motion: reduce) {
  body #preloader-active.brand-loader:not([hidden]) { display: none !important; }
}