* { margin: 0; padding: 0; box-sizing: border-box; }
        body { font-family: 'Plus Jakarta Sans', sans-serif; background: #f8fafc; }
        
        :root {
            --deep-navy: #0a1a3a;
            --royal-blue: #1e3a8a;
            --bright-blue: #2563eb;
            --trust-gold: #fbbf24;
            --warm-gold: #f59e0b;
        }

        .hero-gradient {
            background: linear-gradient(135deg, #0a1a3a 0%, #1e3a8a 50%, #2563eb 100%);
        }
        
        .navbar {
            background: rgba(255,255,255,0.95);
            backdrop-filter: blur(8px);
            border-bottom: 1px solid rgba(0,0,0,0.05);
        }

        .form-card {
            background: white;
            border-radius: 32px;
            padding: 40px;
            box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
            border: 1px solid #e2e8f0;
        }

        .input-field {
            width: 100%;
            background: #f8fafc;
            border: 1px solid #e2e8f0;
            border-radius: 16px;
            padding: 16px 20px;
            font-size: 16px;
            color: #0a1a3a;
            outline: none;
            transition: all 0.2s;
        }
        .input-field:focus {
            border-color: #2563eb;
            box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.1);
        }
        .input-field::placeholder {
            color: #94a3b8;
        }

        .checkbox-group {
            display: grid;
            grid-template-columns: repeat(2, 1fr);
            gap: 12px;
            margin-top: 8px;
        }
        .checkbox-item {
            display: flex;
            align-items: center;
            gap: 8px;
            padding: 12px 16px;
            background: #f8fafc;
            border: 1px solid #e2e8f0;
            border-radius: 12px;
            cursor: pointer;
            transition: all 0.2s;
        }
        .checkbox-item:hover {
            border-color: #2563eb;
            background: #f0f7ff;
        }
        .checkbox-item input[type="checkbox"] {
            width: 20px;
            height: 20px;
            accent-color: #2563eb;
        }

        .benefit-tag {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            background: #f0f7ff;
            border: 1px solid #bfdbfe;
            border-radius: 40px;
            padding: 8px 16px;
            font-size: 14px;
            color: #2563eb;
        }

        .submit-btn {
            width: 100%;
            background: linear-gradient(135deg, #2563eb, #1e3a8a);
            border: none;
            border-radius: 20px;
            padding: 20px 28px;
            font-size: 20px;
            font-weight: 700;
            color: white;
            display: flex;
            align-items: center;
            justify-content: space-between;
            cursor: pointer;
            transition: all 0.3s;
            margin: 32px 0 24px;
        }
        .submit-btn:hover {
            background: linear-gradient(135deg, #1e3a8a, #2563eb);
            box-shadow: 0 20px 30px -10px rgba(37, 99, 235, 0.5);
            transform: translateY(-2px);
        }

        .trust-badge {
            display: flex;
            align-items: center;
            justify-content: space-between;
            padding: 16px 24px;
            background: #f8fafc;
            border-radius: 60px;
            border: 1px solid #e2e8f0;
        }

        #toastMessage {
            position: fixed;
            bottom: 30px;
            left: 50%;
            transform: translateX(-50%);
            background: #0a1a3a;
            color: white;
            padding: 16px 32px;
            border-radius: 60px;
            font-weight: 500;
            box-shadow: 0 20px 40px rgba(0,0,0,0.2);
            display: none;
            align-items: center;
            gap: 12px;
            z-index: 1000;
            border: 1px solid rgba(255,255,255,0.1);
        }

        @media (max-width: 640px) {
            .form-card { padding: 24px; }
            .checkbox-group { grid-template-columns: 1fr; }
            .trust-badge { flex-direction: column; gap: 12px; align-items: flex-start;border-radius: 20px; }
        }