:root{
    --navy:#1E3A5F;
    --navy-dark:#122236;
    --navy-soft:#2C4A72;
    --gold:#E4222A;
    --gold-soft:rgba(228,34,42,.10);
    --red:#E4222A;
    --red-dark:#B91922;
    --gray:#6C7278;
    --light:#F4F6F9;
    --white:#FFFFFF;
    --text:#1C2539;
    --muted:#5D6670;
    --radius:16px;
    --radius-sm:10px;
    --shadow:0 12px 30px rgba(18,34,54,.08);
  }
  *{box-sizing:border-box;list-style:none;}
  html{scroll-behavior:smooth;}
  body{
    font-family:'Inter',sans-serif;
    color:var(--text);
    background:var(--light);
  }
  h1,h2,h3,h4,.tm-font-head{font-family:'Poppins',sans-serif;font-weight:700;color:var(--navy);}
  p{color:var(--muted);}
  a{text-decoration:none;}
  img{max-width:100%;display:block;}
  .section-pad{padding:70px 0;}
  .eyebrow{
    display:inline-flex;align-items:center;gap:8px;
    background:var(--gold-soft);color:var(--gold);
    font-weight:700;font-size:13px;letter-spacing:.06em;text-transform:uppercase;
    padding:6px 16px;border-radius:40px;margin-bottom:14px;
  }
  .eyebrow::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--gold);display:inline-block;}
  .section-title{font-size:32px;margin-bottom:14px;}
  .section-sub{max-width:640px;color:var(--muted);font-size:16px;margin-bottom:36px;}

  /* ---------- top strip ---------- */
  .tm-topstrip{
    background:var(--navy-dark);
    color:#c9d3df;font-size:13px;
    padding:8px 0;
    border-bottom:2px solid var(--gold);
  }
  .tm-topstrip .container{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:8px;}
  .tm-topstrip .contact-strip{display:flex;gap:22px;flex-wrap:wrap;}
  .tm-topstrip .contact-strip a{color:#c9d3df;display:inline-flex;align-items:center;gap:7px;}
  .tm-topstrip .contact-strip a i{color:var(--gold);width:14px;text-align:center;}
  .tm-topstrip .contact-strip a:hover{color:#fff;}
  .tm-topstrip .social-strip{display:flex;gap:10px;}
  .tm-topstrip .social-strip a{
    width:28px;height:28px;border-radius:50%;
    background:rgba(255,255,255,.08);
    display:flex;align-items:center;justify-content:center;
    color:#fff;font-size:12px;transition:.25s;
  }
  .tm-topstrip .social-strip a:hover{background:var(--gold);transform:translateY(-2px);}

  /* ---------- header ---------- */
  .tm-header{
    background:var(--navy);
    padding:14px 0;
    position:sticky;top:0;z-index:1030;
    transition:box-shadow .3s, padding .3s;
  }
  .tm-header.scrolled{box-shadow:0 10px 30px rgba(0,0,0,.25);padding:8px 0;}
  .tm-header .navbar-brand{display:flex;align-items:center;gap:10px;}
  .tm-header .navbar-brand img{height:44px;width:44px;object-fit:contain;}
  .tm-header .brand-text{color:#fff;font-family:'Poppins',sans-serif;font-weight:700;font-size:20px;line-height:1.1;}
  .tm-header .brand-text span{color:var(--gold);}
  .tm-header .brand-tag{color:#9fb0c4;font-size:11px;letter-spacing:.08em;text-transform:uppercase;}
  .tm-nav .nav-link{
    color:#dbe4ef !important;font-weight:500;padding:10px 16px !important;
    position:relative;
  }
  .tm-nav .nav-link.active, .tm-nav .nav-link:hover{color:#fff !important;}
  .tm-nav .nav-link.active::after{
    content:"";position:absolute;left:16px;right:16px;bottom:2px;height:2px;background:var(--gold);
  }
  .btn-tm-red{
    background:var(--red);border:none;color:#fff;font-weight:600;
    padding:10px 22px;border-radius:40px;transition:.25s;
    display:inline-flex;align-items:center;gap:8px;
  }
  .btn-tm-red:hover{background:var(--red-dark);color:#fff;transform:translateY(-2px);}
  .btn-tm-outline{
    border:1.5px solid rgba(255,255,255,.35);color:#fff;font-weight:600;
    padding:9px 20px;border-radius:40px;transition:.25s;
    display:inline-flex;align-items:center;gap:8px;
  }
  .btn-tm-outline:hover{background:#fff;color:var(--navy);}
  .btn-tm-navy{
    background:var(--navy);border:none;color:#fff;font-weight:600;
    padding:10px 22px;border-radius:40px;transition:.25s;
    display:inline-flex;align-items:center;gap:8px;
  }
  .btn-tm-navy:hover{background:var(--navy-dark);color:#fff;transform:translateY(-2px);}

  /* ---------- hero ---------- */
  .tm-hero{
    background:
      linear-gradient(120deg, rgba(18,34,54,.92), rgba(30,58,95,.85)),
      url('https://images.unsplash.com/photo-1450101499163-c8848c66ca85?q=80&w=1920&auto=format&fit=crop');
    background-size:cover;background-position:center;
    padding:100px 0 90px;color:#fff;position:relative;overflow:hidden;
  }
  .tm-hero::after{
    content:"";position:absolute;right:-80px;top:-80px;width:320px;height:320px;
    border-radius:50%;border:2px solid rgba(228,34,42,.3);
  }
  .tm-hero h1{color:#fff;font-size:46px;max-width:760px;}
  .tm-hero p.lead{color:#cfd8e6;font-size:18px;max-width:600px;}
  .tm-breadcrumb{list-style:none;display:flex;gap:8px;padding:0;margin:0 0 18px;color:#9fb0c4;font-size:14px;align-items:center;}
  .tm-breadcrumb .active{color:#fff;}
  .tm-breadcrumb i{font-size:10px;color:#6d7f96;}
  .tm-hero-badges{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px;}
  .tm-hero-badge{
    background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);
    border-radius:var(--radius-sm);padding:10px 16px;font-size:13px;font-weight:600;
    display:flex;align-items:center;gap:10px;
  }
  .tm-hero-badge i{color:var(--gold);font-size:16px;width:18px;text-align:center;}

  /* hero entrance animation */
  .hero-anim{opacity:0;transform:translateY(22px);animation:heroSlide .75s cubic-bezier(.22,.61,.36,1) forwards;}
  .hero-d1{animation-delay:.05s;}
  .hero-d2{animation-delay:.18s;}
  .hero-d3{animation-delay:.32s;}
  .hero-d4{animation-delay:.46s;}
  .hero-d5{animation-delay:.6s;}
  @keyframes heroSlide{to{opacity:1;transform:translateY(0);}}

  /* ---------- intro (full width top block like brief) ---------- */
  .tm-intro{padding:80px 0;}
  .tm-intro-media{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);}
  .tm-intro-media img{width:100%;height:100%;object-fit:cover;}
  .tm-intro-text p{font-size:16.5px;margin-bottom:16px;}
  .tm-intro-text b{color:var(--navy);}

  /* ---------- two-column layout ---------- */
  .tm-main-row{padding:20px 0 90px;}

  /* sidebar (col-4) */
  .tm-sidebar{display:flex;flex-direction:column;gap:26px;}
  @media (min-width:992px){
    .tm-sidebar{position:sticky;top:100px;align-self:flex-start;}
  }
  .side-card{
    background:#fff;border-radius:var(--radius);
    box-shadow:var(--shadow);overflow:hidden;
  }
  .side-card .side-card-head{
    background:var(--navy);color:#fff;padding:16px 22px;
    font-family:'Poppins',sans-serif;font-weight:600;font-size:17px;
    display:flex;align-items:center;gap:10px;
  }
  .side-card .side-card-head::before{content:"";width:6px;height:22px;background:var(--gold);border-radius:4px;}
  .side-card-body{padding:22px;}

  /* table of contents */
  .toc-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:4px;}
  .toc-list li a{
    display:flex;align-items:center;gap:12px;padding:10px 10px;border-radius:var(--radius-sm);
    color:var(--text);font-weight:600;font-size:14px;transition:.2s;
  }
  .toc-list li a:hover{background:var(--gold-soft);color:var(--navy);}
  .toc-list li a:hover .toc-icon{background:var(--gold);color:#fff;}
  .toc-list li a.toc-active{background:var(--navy);color:#fff;}
  .toc-list li a.toc-active .toc-icon{background:var(--gold);color:#fff;}
  .toc-icon{
    width:30px;height:30px;flex-shrink:0;border-radius:8px;background:var(--light);color:var(--navy);
    display:flex;align-items:center;justify-content:center;font-size:13px;transition:.2s;
  }

  /* CTA sidebar card with bg image */
  .side-cta{
    position:relative;border-radius:var(--radius);overflow:hidden;min-height:260px;
    display:flex;align-items:flex-end;
    background:
      linear-gradient(180deg, rgba(18,34,54,.35), rgba(18,34,54,.92)),
      url('https://images.unsplash.com/photo-1521791136064-7986c2920216?q=80&w=900&auto=format&fit=crop');
    background-size:cover;background-position:center;
    box-shadow:var(--shadow);
  }
  .side-cta-content{padding:26px;color:#fff;}
  .side-cta-content h4{color:#fff;font-size:19px;margin-bottom:8px;display:flex;align-items:center;gap:9px;}
  .side-cta-content h4 i{color:var(--gold);}
  .side-cta-content p{color:#cfd8e6;font-size:14px;margin-bottom:16px;}

  /* documents required */
  .doc-list{list-style:none;padding:0;margin:0;}
  .doc-list li{
    display:flex;align-items:center;gap:12px;
    padding:11px 0;border-bottom:1px dashed #e6e9ee;font-size:14.5px;color:var(--text);
  }
  .doc-list li:last-child{border-bottom:none;}
  .doc-icon{
    width:26px;height:26px;flex-shrink:0;border-radius:7px;
    background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:12px;
  }

  /* contact form */
  .tm-form .form-label{font-size:13px;font-weight:600;color:var(--navy);margin-bottom:6px;}
  .tm-form .form-control{
    border-radius:var(--radius-sm);border:1px solid #dfe4ea;padding:11px 14px;font-size:14.5px;
  }
  .tm-form .form-control:focus{
    border-color:var(--navy);box-shadow:0 0 0 .2rem rgba(30,58,95,.12);
  }
  .tm-form textarea.form-control{resize:none;}
  .tm-form-note{font-size:12px;color:var(--muted);margin-top:10px;}
  #formStatus{font-size:13.5px;margin-top:10px;display:none;}

  /* ---------- right column sections ---------- */
  .tm-content-col > section{margin-bottom:60px;}
  .tm-content-col > section:last-child{margin-bottom:0;}
  .tm-content-col > section > .eyebrow{
    display:flex;justify-content:center;align-items:center;
    margin-left:auto;margin-right:auto;width:fit-content;
  }
  .tm-content-col > section > .section-title{text-align:center;}
  .tm-content-col > section > .section-sub{text-align:center;margin-left:auto;margin-right:auto;}

  /* benefit / type / process cards */
  .icon-card{
    background:#fff;border-radius:var(--radius);padding:26px 22px;height:100%;
    box-shadow:var(--shadow);border-top:3px solid transparent;
    transition:.25s;
  }
  .icon-card:hover{border-top-color:var(--gold);transform:translateY(-4px);}
  .icon-wrap{
    width:52px;height:52px;border-radius:12px;background:var(--navy);color:#fff;
    display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:16px;
  }
  .icon-card h5{font-size:16.5px;margin-bottom:8px;color:var(--navy);}
  .icon-card p{font-size:14px;margin-bottom:0;}

  .type-card{
    background:#fff;border-radius:var(--radius-sm);padding:20px;text-align:center;
    box-shadow:var(--shadow);height:100%;transition:.25s;
  }
  .type-card:hover{background:var(--navy);}
  .type-card:hover h6, .type-card:hover p{color:#fff;}
  .type-card:hover .type-icon{background:#fff;color:var(--navy);}
  .type-icon{
    width:44px;height:44px;border-radius:50%;background:var(--light);color:var(--navy);
    display:flex;align-items:center;justify-content:center;font-size:18px;margin:0 auto 12px;transition:.25s;
  }
  .type-card h6{font-weight:700;color:var(--navy);margin-bottom:6px;font-size:14.5px;}
  .type-card p{font-size:12.5px;margin-bottom:0;}

  /* process track — connected animated stepper */
  .process-track{position:relative;padding-left:78px;}
  .process-track-line{
    position:absolute;left:23px;top:6px;bottom:6px;width:3px;
    background:#e3e7ee;border-radius:4px;overflow:hidden;
  }
  .process-track-fill{
    position:absolute;top:0;left:0;width:100%;height:0%;
    background:linear-gradient(180deg,var(--gold),var(--navy));
    border-radius:4px;transition:height .25s linear;
  }
  .process-node{position:relative;margin-bottom:30px;}
  .process-node:last-child{margin-bottom:0;}
  .process-node-icon{
    position:absolute;left:-78px;top:0;width:48px;height:48px;border-radius:50%;
    background:#fff;border:2px solid #dfe4ea;color:var(--navy);
    display:flex;align-items:center;justify-content:center;font-size:18px;
    box-shadow:var(--shadow);z-index:2;transition:.45s cubic-bezier(.22,.61,.36,1);
  }
  .process-node.node-active .process-node-icon{
    background:var(--navy);border-color:var(--navy);color:#fff;transform:scale(1.1) rotate(-8deg);
  }
  .process-node-icon::after{
    content:"";position:absolute;inset:-7px;border-radius:50%;border:2px solid var(--gold);
    opacity:0;transform:scale(.75);
  }
  .process-node.node-active .process-node-icon::after{animation:pulseRing 1.6s ease-out 1;}
  @keyframes pulseRing{
    0%{opacity:.9;transform:scale(.85);}
    100%{opacity:0;transform:scale(1.5);}
  }
  .process-node-card{
    background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);
    padding:20px 24px;border-left:3px solid transparent;
    transition:.35s cubic-bezier(.22,.61,.36,1);
  }
  .process-node-card:hover{
    transform:translateX(8px);border-left-color:var(--gold);
    box-shadow:0 18px 38px rgba(18,34,54,.14);
  }
  .process-node-num{
    font-family:'Poppins',sans-serif;font-weight:800;font-size:11.5px;color:var(--gold);
    letter-spacing:.1em;text-transform:uppercase;
  }
  .process-node-card h5{margin:5px 0 6px;}
  .process-node-card p{margin-bottom:0;font-size:13.5px;}
  @media (max-width:575px){
    .process-track{padding-left:56px;}
    .process-track-line{left:16px;}
    .process-node-icon{left:-56px;width:36px;height:36px;font-size:14px;}
  }

  /* who can apply */
  .apply-pill{
    background:#fff;border:1px solid #e6e9ee;border-radius:var(--radius-sm);
    padding:16px 18px;display:flex;align-items:center;gap:12px;height:100%;
    transition:.25s;
  }
  .apply-pill:hover{border-color:var(--gold);box-shadow:var(--shadow);transform:translateY(-2px);}
  .apply-icon{
    width:34px;height:34px;flex-shrink:0;border-radius:50%;background:var(--light);color:var(--navy);
    display:flex;align-items:center;justify-content:center;font-size:15px;
  }
  .apply-pill span{font-weight:600;font-size:14.5px;color:var(--navy);}

  /* stats */
  .tm-stats{
    background:linear-gradient(120deg,var(--navy),var(--navy-dark));
    border-radius:var(--radius);padding:46px 30px;color:#fff;
    position:relative;overflow:hidden;
  }
  .tm-stats::before{
    content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;
    border-radius:50%;border:1px solid rgba(228,34,42,.2);
  }
  .tm-stats::after{
    content:"";position:absolute;left:-40px;bottom:-70px;width:180px;height:180px;
    border-radius:50%;border:1px solid rgba(255,255,255,.06);
  }
  .stat-box{
    text-align:center;padding:22px 12px;border-radius:var(--radius-sm);
    background:rgba(255,255,255,.03);border:1px solid rgba(255,255,255,.08);
    transition:.4s cubic-bezier(.22,.61,.36,1);position:relative;
  }
  .stat-box:hover{
    transform:translateY(-8px);background:rgba(255,255,255,.06);
    border-color:var(--gold);box-shadow:0 16px 34px rgba(0,0,0,.25);
  }
  .stat-icon{
    width:44px;height:44px;border-radius:50%;margin:0 auto 12px;
    background:rgba(228,34,42,.15);color:var(--gold);
    display:flex;align-items:center;justify-content:center;font-size:18px;
    transition:.4s cubic-bezier(.22,.61,.36,1);
  }
  .stat-box:hover .stat-icon{background:var(--gold);color:#fff;transform:rotate(8deg) scale(1.1);}
  .stat-num{font-family:'Poppins',sans-serif;font-weight:800;font-size:40px;color:#fff;transition:transform .35s ease;}
  .stat-num span{color:var(--gold);}
  .stat-num.pop{animation:statPop .45s ease;}
  @keyframes statPop{0%{transform:scale(1);}45%{transform:scale(1.16);}100%{transform:scale(1);}}
  .stat-label{font-size:13.5px;color:#c9d3df;margin-bottom:14px;}
  .stat-bar{height:6px;background:rgba(255,255,255,.15);border-radius:10px;overflow:hidden;}
  .stat-bar-fill{
    height:100%;width:0%;background:linear-gradient(90deg,var(--gold),#ef6a6f);
    border-radius:10px;transition:width 1.4s cubic-bezier(.22,.61,.36,1);
  }

  /* life cycle timeline */
  .lifecycle{position:relative;padding-left:0;}
  .lifecycle-line{
    position:absolute;left:23px;top:6px;bottom:6px;width:3px;background:#dfe4ea;
    border-radius:4px;overflow:hidden;
  }
  .lifecycle-fill{
    position:absolute;top:0;left:0;width:100%;height:0%;
    background:linear-gradient(180deg,var(--gold),var(--navy));
    border-radius:4px;transition:height .25s linear;
  }
  .lifecycle-item{position:relative;padding-left:64px;margin-bottom:26px;}
  .lifecycle-item:last-child{margin-bottom:0;}
  .lifecycle-dot{
    position:absolute;left:0;top:0;width:48px;height:48px;border-radius:50%;
    background:#fff;border:2px solid var(--navy);
    display:flex;align-items:center;justify-content:center;font-size:17px;color:var(--navy);
    font-family:'Poppins',sans-serif;box-shadow:var(--shadow);
    transition:.45s cubic-bezier(.22,.61,.36,1);z-index:2;
  }
  .lifecycle-dot::after{
    content:"";position:absolute;inset:-7px;border-radius:50%;border:2px solid var(--gold);
    opacity:0;transform:scale(.75);
  }
  .lifecycle-item.active .lifecycle-dot{
    background:var(--gold);border-color:var(--gold);color:#fff;transform:scale(1.1) rotate(-6deg);
  }
  .lifecycle-item.active .lifecycle-dot::after{animation:pulseRing 1.6s ease-out 1;}
  .lifecycle-card{
    background:#fff;border-radius:var(--radius-sm);box-shadow:var(--shadow);
    padding:14px 18px;border-left:3px solid transparent;
    transition:.35s cubic-bezier(.22,.61,.36,1);
  }
  .lifecycle-card:hover{
    transform:translateX(8px);border-left-color:var(--gold);
    box-shadow:0 16px 32px rgba(18,34,54,.12);
  }
  .lifecycle-card h6{font-size:15.5px;color:var(--navy);margin-bottom:4px;}
  .lifecycle-card p{font-size:13.5px;margin-bottom:0;}

  /* why choose */
  .why-tm-card{
    background:#fff;border-radius:var(--radius);padding:24px;height:100%;box-shadow:var(--shadow);
    border-left:4px solid var(--gold);transition:.4s cubic-bezier(.22,.61,.36,1);
  }
  .why-tm-card:hover{
    transform:translateY(-8px);border-left-color:var(--navy);
    box-shadow:0 18px 38px rgba(18,34,54,.14);
  }
  .why-icon{
    width:46px;height:46px;border-radius:12px;background:var(--light);color:var(--navy);
    display:flex;align-items:center;justify-content:center;font-size:19px;margin-bottom:14px;
    transition:.4s cubic-bezier(.22,.61,.36,1);
  }
  .why-tm-card:hover .why-icon{background:var(--gold);color:#fff;transform:rotate(-8deg) scale(1.1);}
  .why-tm-card h5{font-size:16px;margin-bottom:8px;}
  .why-tm-card p{font-size:13.5px;margin-bottom:0;}

  /* FAQ */
  .tm-accordion .accordion-item{
    border:none;border-radius:var(--radius-sm) !important;overflow:hidden;margin-bottom:12px;
    box-shadow:var(--shadow);
  }
  .tm-accordion .accordion-button{
    font-weight:600;color:var(--navy);font-size:15px;padding:18px 22px;
  }
  .tm-accordion .accordion-button:not(.collapsed){
    background:var(--navy);color:#fff;
  }
  .tm-accordion .accordion-button:focus{box-shadow:none;}
  .tm-accordion .accordion-body{font-size:14px;color:var(--muted);padding:18px 22px;}

  /* bottom CTA band */
  .tm-cta-band{
    background:linear-gradient(120deg,var(--navy),var(--navy-dark));
    border-radius:var(--radius);padding:60px 30px;color:#fff;text-align:center;
    margin:0 auto 90px;border:1px solid rgba(228,34,42,.35);
  }
  .tm-cta-band h2{color:#fff;margin-bottom:14px;}
  .tm-cta-band p{color:#cfd8e6;max-width:600px;margin:0 auto 26px;}