* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

body {
  background: #fff;
  font-family: "Open Sans", sans-serif;
}

.layout {
  display: flex;
  min-height: 100vh;
}

.layout__left {
  flex: 1 1 50%;
  display: flex;
  flex-direction: column;
}

.content {
  flex: 1 1 auto;
  padding: 40px 48px;
  font-family: "Open Sans", sans-serif;
}

.content__title {
  color: #1b1b1b;
  font-size: 1.75rem;
  font-weight: 700;
  margin-bottom: 8px;
}

.content__subtitle {
  color: #52575f;
  font-size: 1rem;
  margin-bottom: 24px;
}

.options {
  display: flex;
  flex-direction: column;
  gap: 12px;
  max-width: 720px;
}

.option-card {
  display: flex;
  align-items: center;
  gap: 16px;
  width: 100%;
  padding: 18px 20px;
  background: #f2f4f8;
  border: none;
  border-radius: 12px;
  text-align: left;
  text-decoration: none;
  color: inherit;
  cursor: pointer;
  font-family: inherit;
  transition: background-color 0.15s ease;
}

.option-card:hover {
  background: #e8ecf3;
}

.option-card--inactive {
  opacity: 0.45;
  cursor: not-allowed;
}

.option-card--inactive:hover {
  background: #f2f4f8;
}

.option-card__icon {
  flex: none;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  color: #0b2d8c;
}

.option-card__icon svg {
  width: 28px;
  height: 28px;
}

.option-card__body {
  flex: 1 1 auto;
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.option-card__heading {
  display: flex;
  align-items: center;
  gap: 10px;
}

.option-card__title {
  color: #1b1b1b;
  font-size: 1.0625rem;
  font-weight: 700;
}

.option-card__badge {
  display: inline-flex;
  align-items: center;
  background: #0b2d8c;
  color: #fff;
  font-size: 0.75rem;
  font-weight: 600;
  padding: 3px 10px;
  border-radius: 999px;
}

.option-card__desc {
  color: #52575f;
  font-size: 0.9375rem;
  line-height: 1.4;
}

.option-card__arrow {
  flex: none;
  width: 20px;
  height: 20px;
  color: #9aa0a6;
}

.back-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-bottom: 16px;
  color: #0052a1;
  font-size: 1rem;
  font-weight: 700;
  text-decoration: none;
  cursor: pointer;
}

.back-link span {
  text-decoration: underline;
}

.back-link svg {
  flex: none;
  width: 20px;
  height: 20px;
}

.bank-grid {
  display: grid;
  grid-template-columns: repeat(3, 224px);
  gap: 24px;
}

.bank-tile {
  width: 224px;
  height: 80px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 14px 24px;
  background: #fff;
  border: 1px solid #d5d9e0;
  border-radius: 8px;
  overflow: hidden;
  cursor: pointer;
  font-family: inherit;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}

.bank-tile:hover {
  border-color: #0052a1;
  box-shadow: 0 0 0 1px #0052a1;
}

.bank-tile--inactive {
  opacity: 0.25;
  cursor: not-allowed;
  pointer-events: none;
  filter: grayscale(100%);
}

.bank-tile img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  object-position: center;
}

.bank-tile__name {
  color: #52575f;
  font-size: 0.95rem;
  font-weight: 600;
  text-align: center;
}

.content--indented {
  padding-left: 96px;
}

.content--indented .back-link {
  margin-left: -48px;
}

.verify-info {
  max-width: 560px;
  color: #52575f;
  font-size: 1rem;
  line-height: 1.5;
  margin-bottom: 24px;
}

.verify-form {
  display: flex;
  flex-direction: column;
  gap: 16px;
  max-width: 420px;
}

.verify-form__label {
  font-family: "Open Sans", sans-serif;
  font-size: 1rem;
  color: #1b1b1b;
}

.verify-form__input {
  width: 100%;
  height: 48px;
  padding: 0 14px;
  background: #fff;
  border: 1px solid #c7ccd4;
  border-radius: 8px;
  font-family: "Open Sans", sans-serif;
  font-size: 1rem;
  color: #1b1b1b;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}

.verify-form__input::placeholder {
  color: #8a8f98;
}

.verify-form__input:focus {
  outline: none;
  border-color: #0052a1;
  box-shadow: 0 0 0 1px #0052a1;
}

.verify-form__field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.verify-form__error {
  display: none;
  color: #d32f2f;
  font-size: 0.875rem;
}

.verify-form__field.is-invalid .verify-form__input {
  border-color: #d32f2f;
  box-shadow: 0 0 0 1px #d32f2f;
}

.verify-form__field.is-invalid .verify-form__error {
  display: block;
}

.verify-form__field.is-invalid .verify-form__prefix {
  border-color: #d32f2f;
}

.verify-form__phone {
  display: flex;
  max-width: 420px;
}

.verify-form__prefix {
  display: flex;
  align-items: center;
  padding: 0 14px;
  border: 1px solid #c7ccd4;
  border-right: none;
  border-radius: 8px 0 0 8px;
  background: #f2f4f8;
  color: #1b1b1b;
  font-family: "Open Sans", sans-serif;
  font-size: 1rem;
}

.verify-form__input--phone {
  flex: 1;
  width: auto;
  border-radius: 0 8px 8px 0;
}

.verify-form__submit {
  align-self: flex-start;
  margin-top: 8px;
  padding: 12px 28px;
  background: #0052a1;
  color: #fff;
  border: none;
  border-radius: 8px;
  font-family: "Open Sans", sans-serif;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  transition: background-color 0.15s ease;
}

.verify-form__submit:hover {
  background: #024289;
}

.verify-form__submit--full {
  align-self: stretch;
  width: 100%;
  padding: 14px 24px;
  font-size: 1.0625rem;
}

.pz-or {
  max-width: 420px;
  margin: 16px 0;
  text-align: center;
  color: #52575f;
  font-size: 1rem;
}

.pz-bank-btn {
  display: flex;
  align-items: center;
  gap: 16px;
  width: 100%;
  max-width: 420px;
  padding: 16px 20px;
  background: #f2f4f8;
  border: none;
  border-radius: 8px;
  text-decoration: none;
  color: #1b1b1b;
  cursor: pointer;
  transition: background-color 0.15s ease;
}

.pz-bank-btn:hover {
  background: #e8ecf3;
}

.pz-bank-btn__icon {
  flex: none;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  color: #0b2d8c;
}

.pz-bank-btn__icon svg {
  width: 28px;
  height: 28px;
}

.pz-bank-btn__text {
  flex: 1 1 auto;
  font-weight: 700;
  font-size: 1rem;
}

.pz-bank-btn__arrow {
  flex: none;
  width: 20px;
  height: 20px;
  color: #9aa0a6;
}

.learn-more {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 24px;
  padding: 0;
  background: none;
  border: none;
  color: #0052a1;
  font-family: "Open Sans", sans-serif;
  font-size: 1rem;
  font-weight: 700;
  text-decoration: none;
  cursor: pointer;
}

.learn-more__icon {
  flex: none;
  width: 20px;
  height: 20px;
}

.footer-divider {
  border: none;
  border-top: 1px solid #e0e0e0;
  margin: 0;
  margin-top: auto;
}

.site-footer {
  flex: none;
  height: 56px;
  display: flex;
  align-items: center;
  gap: 24px;
  padding: 0 48px;
  font-family: "Open Sans", sans-serif;
}

.site-footer__link {
  color: #52575f;
  font-family: "Open Sans", sans-serif;
  font-size: 1rem;
  text-decoration: none;
  cursor: pointer;
}

.site-footer__link:hover {
  text-decoration: underline;
}

.gov-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 40px 24px 24px 48px;
}

.gov-divider {
  border: none;
  border-top: 1px solid #e0e0e0;
  margin: 6px 24px 0 48px;
}

.gov-brand {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: #1b1b1b;
  font-family: "Open Sans", sans-serif;
  font-size: 22px;
  font-weight: 700;
}

.gov-brand__herb {
  height: 40px;
  width: auto;
  transform: translateY(6px);
}

.gov-brand__text {
  color: #1b1b1b;
  font-size: 22px;
  font-weight: 700;
  line-height: 1;
  transform: translateY(2px);
}

.gov-brand__link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  text-decoration: none;
  color: inherit;
}

.lang-switch {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 0;
  background: none;
  border: none;
  cursor: pointer;
  color: #0052a1;
  font-family: "Open Sans", sans-serif;
  font-size: 1rem;
  font-weight: 700;
}

.lang-switch__globe,
.lang-switch__caret {
  flex: none;
  display: block;
}

.layout__right {
  flex: 1 1 50%;
  position: relative;
  overflow: hidden;
}

.promo-banner {
  position: absolute;
  inset: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  border-radius: 24px;
}

.promo-banner picture {
  display: block;
}

.promo-banner-main-image {
  position: absolute;
  width: 100%;
  height: 100%;
  inset: 0px;
  text-align: center;
  object-fit: cover;
  z-index: 0;
}

.promo-banner-logo-image {
  position: absolute;
  top: 40px;
  right: 40px;
  z-index: 1;
  width: auto;
  height: 56px;
}

.promo-banner-content {
  position: absolute;
  bottom: 140px;
  left: 40px;
  right: 40px;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.promo-banner-title {
  color: #fff;
  font-family: "Open Sans", sans-serif;
  font-size: 1.5rem;
  line-height: 2rem;
  font-weight: 700;
  margin-bottom: 16px;
  text-wrap: balance;
}

.promo-banner-description {
  color: #fff;
  font-family: "Open Sans", sans-serif;
  font-weight: 400;
  font-size: 1rem;
  line-height: 1.5;
  max-width: 42.5rem;
  margin-bottom: 24px;
}

.wds-button {
  display: inline-flex;
  align-items: center;
  vertical-align: middle;
  justify-content: center;
  text-align: center;
  text-decoration: none;
  font-family: "Open Sans", sans-serif;
  font-size: 1rem;
  font-weight: 700;
  line-height: 1.5rem;
  -webkit-user-select: none;
  user-select: none;
  border: none;
  border-radius: 4px;
  cursor: pointer;
  transition: background-color 0.15s ease;
}

.wds-button--large {
  padding: 12px 24px;
}

.promo-banner-cta-button {
  background: #fff;
  color: #0a3d91;
}

.promo-banner-cta-button:hover {
  background: #eef2f9;
}

.modal {
  position: fixed;
  inset: 0;
  z-index: 100;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  background: rgba(0, 0, 0, 0.5);
}

.modal[hidden] {
  display: none;
}

.modal__dialog {
  position: relative;
  width: 100%;
  max-width: 640px;
  max-height: 90vh;
  overflow-y: auto;
  padding: 32px;
  background: #fff;
  border-radius: 12px;
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.25);
  font-family: "Open Sans", sans-serif;
}

.modal__close {
  position: absolute;
  top: 24px;
  right: 24px;
  padding: 4px;
  line-height: 0;
  background: none;
  border: none;
  color: #0052a1;
  cursor: pointer;
}

.modal__close svg {
  width: 22px;
  height: 22px;
}

.modal__title {
  margin-bottom: 12px;
  padding-right: 32px;
  color: #1b1b1b;
  font-size: 1.5rem;
  font-weight: 700;
}

.modal__lead {
  margin-bottom: 20px;
  color: #52575f;
  font-size: 1rem;
  line-height: 1.5;
}

.faq__item {
  border-bottom: 1px solid #e0e0e0;
}

.faq__question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 16px 0;
  background: none;
  border: none;
  cursor: pointer;
  font-family: "Open Sans", sans-serif;
  font-size: 1.0625rem;
  font-weight: 700;
  color: #1b1b1b;
  text-align: left;
}

.faq__chevron {
  flex: none;
  width: 20px;
  height: 20px;
  color: #0052a1;
  transition: transform 0.15s ease;
}

.faq__question[aria-expanded="true"] .faq__chevron {
  transform: rotate(180deg);
}

.faq__answer {
  padding: 0 0 16px;
  color: #52575f;
  font-size: 0.95rem;
  line-height: 1.5;
}

.faq__answer[hidden] {
  display: none;
}

.faq__answer p {
  margin-bottom: 12px;
}

.faq__answer ul {
  margin: 0 0 12px 20px;
}

.faq__answer li {
  margin-bottom: 4px;
}

.faq__answer h3 {
  margin-bottom: 6px;
  color: #1b1b1b;
  font-size: 1rem;
  font-weight: 700;
}

.faq__answer a {
  color: #0052a1;
  font-weight: 700;
  text-decoration: underline;
}

.modal__footer {
  display: flex;
  justify-content: flex-end;
  margin-top: 24px;
}

.modal__btn {
  padding: 12px 28px;
  background: #0052a1;
  color: #fff;
  border: none;
  border-radius: 8px;
  font-family: "Open Sans", sans-serif;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  transition: background-color 0.15s ease;
}

.modal__btn:hover {
  background: #024289;
}

.trust-banner {
  display: flex;
  align-items: center;
  gap: 12px;
  max-width: 720px;
  margin-bottom: 24px;
  padding: 14px 16px;
  background: #eaf6ec;
  border: 1px solid #2e7d32;
  border-radius: 8px;
  color: #1e4620;
}

.trust-banner__icon {
  flex: none;
  width: 26px;
  height: 26px;
  color: #2e7d32;
}

.trust-banner__text strong {
  display: block;
  font-size: 1rem;
  font-weight: 700;
}

.trust-banner__text span {
  font-size: 0.9375rem;
  line-height: 1.4;
}

.info-banner {
  display: flex;
  align-items: center;
  gap: 12px;
  max-width: 720px;
  margin-bottom: 24px;
  padding: 14px 16px;
  background: #e8f0fe;
  border: 1px solid #1967d2;
  border-radius: 8px;
  color: #174ea6;
}

.info-banner__icon {
  flex: none;
  width: 22px;
  height: 22px;
}

.info-banner__text {
  flex: 1;
  font-size: 0.9375rem;
  line-height: 1.4;
}

.info-banner__close {
  flex: none;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  border: none;
  background: none;
  color: #174ea6;
  cursor: pointer;
  border-radius: 4px;
  padding: 0;
}
.info-banner__close:hover {
  background: rgba(0, 0, 0, 0.08);
}
.info-banner__close svg {
  width: 16px;
  height: 16px;
}

.trust-modal__dialog {
  max-width: 440px;
  text-align: left;
  font-family: "Open Sans", sans-serif;
}

.trust-modal__title {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
  padding: 0;
  color: #1b1b1b;
  font-size: 1.375rem;
  font-weight: 700;
}

.trust-modal__title-icon {
  flex: none;
  width: 26px;
  height: 26px;
  color: #2e7d32;
}

.trust-modal__lead {
  margin-bottom: 16px;
  color: #52575f;
  font-size: 0.9375rem;
  line-height: 1.55;
}

.trust-modal__features {
  list-style: none;
  margin: 0 0 20px;
  padding: 0;
  color: #52575f;
  font-size: 0.875rem;
  line-height: 1.6;
}

.trust-modal__features li {
  padding-left: 18px;
  position: relative;
}

.trust-modal__features li::before {
  content: "•";
  position: absolute;
  left: 4px;
  color: #8a929c;
  font-weight: 700;
}

.trust-modal__footer {
  justify-content: center;
  margin-top: 0;
}