:root {
  --scc-navy: #11243f;
  --scc-blue: #1f5f8b;
  --scc-light: #f5f8fb;
  --scc-gold: #c9a14a;
  --scc-charcoal: #263238;
}

body {
  font-family: Arial, Helvetica, sans-serif;
  color: var(--scc-charcoal);
  line-height: 1.65;
}

.navbar {
  background: var(--scc-navy);
}

.navbar-brand,
.nav-link {
  color: #fff !important;
}

.nav-link:hover {
  color: #d8e9f5 !important;
}

.btn-primary {
  background: var(--scc-blue);
  border-color: var(--scc-blue);
}

.btn-primary:hover {
  background: #174b70;
  border-color: #174b70;
}

.btn-outline-light:hover {
  color: var(--scc-navy);
}

.hero {
  background: linear-gradient(rgba(17, 36, 63, 0.84), rgba(17, 36, 63, 0.84)), url('../images/hero-placeholder.jpg') center/cover no-repeat;
  color: #fff;
  padding: 90px 0;
}

.page-hero {
  background: var(--scc-light);
  padding: 60px 0;
  border-bottom: 1px solid #e4ebf1;
}

.section-padding {
  padding: 70px 0;
}

.bg-light-blue {
  background: var(--scc-light);
}

.kicker {
  color: var(--scc-gold);
  text-transform: uppercase;
  font-size: 0.82rem;
  letter-spacing: 0.08em;
  font-weight: 700;
}

.card {
  border: 1px solid #e2e8ee;
  border-radius: 14px;
  height: 100%;
}

.card-icon {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: #e8f1f8;
  color: var(--scc-blue);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  margin-bottom: 16px;
}

.trust-bar {
  background: #fff;
  border-bottom: 1px solid #e4ebf1;
}

.trust-item {
  font-weight: 700;
  color: var(--scc-navy);
}

.form-box {
  background: #fff;
  border: 1px solid #e2e8ee;
  border-radius: 16px;
  padding: 28px;
  box-shadow: 0 12px 30px rgba(17, 36, 63, 0.08);
}

.footer {
  background: var(--scc-navy);
  color: #dce6ef;
  padding: 45px 0 20px;
}

.footer a {
  color: #fff;
}

.small-disclaimer {
  font-size: 0.86rem;
  color: #607080;
}

.list-check li {
  margin-bottom: 10px;
}

.placeholder-img {
  background: #dfe8f0;
  border: 1px dashed #9aabba;
  min-height: 260px;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #516473;
  font-weight: 700;
  text-align: center;
  padding: 20px;
}

@media (max-width: 991px) {
  .hero {
    padding: 65px 0;
  }
}