:root{--navy:#163b59;--blue:#1d6f91;--teal:#2e9daf;--pale:#e9f6f8;--ink:#243342;--muted:#647584;--line:#d7e1e8;--bg:#f4f7f9;--white:#fff;--danger:#a33131;--success:#20744a;--radius:14px}*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.5}.site-header{background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:space-between;padding:16px max(20px,calc((100% - 1120px)/2));gap:20px}.brand-mark{font-weight:800;font-size:22px;letter-spacing:.03em}.brand-mark span{color:#7be0d4}.header-label{font-size:14px;opacity:.9}.container{max-width:1120px;margin:30px auto;padding:0 18px}.intro{padding:8px 2px 22px}.eyebrow{color:var(--blue);font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase}.intro h1{font-size:clamp(27px,4vw,38px);line-height:1.15;color:var(--navy);margin:8px 0 12px}.intro>p:not(.eyebrow){max-width:760px;color:var(--muted)}.privacy-note,.info-panel,.advisor-note{background:var(--pale);border-left:4px solid var(--teal);border-radius:8px;padding:13px 16px;font-size:14px;margin-top:16px}.form-section,.submit-section{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:25px;margin:18px 0;box-shadow:0 5px 18px rgba(21,55,76,.04)}.section-heading{display:flex;gap:15px;align-items:flex-start;margin-bottom:22px}.step{flex:0 0 38px;height:38px;border-radius:50%;background:var(--pale);color:var(--blue);display:grid;place-items:center;font-weight:800;font-size:18px}.section-heading h2{margin:0;color:var(--navy);font-size:22px}.section-heading p{margin:4px 0 0;color:var(--muted);font-size:14px}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.field-grid .wide{grid-column:1/-1}fieldset{border:1px solid 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label:last-child{grid-column:1/-1}.child-beneficiary{align-items:center;margin-top:10px;font-size:13px}.conditional-panel{margin-top:20px;border:1px solid var(--line);border-radius:12px;padding:18px;background:#fbfcfd}.conditional-panel[hidden]{display:none}.inline-check{margin:12px 0}.signature-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:24px}.signature-grid>div{border:1px solid var(--line);border-radius:10px;padding:15px}.signature-grid h3{margin:0 0 12px}.signature-grid label{margin:10px 0}.signature-box{border:1px dashed #9bb2c1;border-radius:8px;background:linear-gradient(#fff,#f9fcfd);margin-top:12px;overflow:hidden}.signature-box canvas{display:block;width:100%;height:130px;touch-action:none;cursor:crosshair}.signature-actions{text-align:right}.text-button{background:none;border:0;color:var(--blue);font:inherit;font-size:12px;text-decoration:underline;cursor:pointer}.submit-section{border-color:#c3dce1}.consent{display:flex;gap:10px;font-weight:500;font-size:13px}.submit-button{width:100%;margin-top:17px;padding:15px 18px;background:var(--navy);border:0;border-radius:8px;color:#fff;font-size:16px;font-weight:700;cursor:pointer}.submit-button:hover{background:#205477}.submit-button:disabled{opacity:.6;cursor:wait}.status{margin-top:13px;font-size:14px;font-weight:600}.status.error{color:var(--danger)}.status.success{color:var(--success)}footer{text-align:center;color:var(--muted);font-size:12px;padding:18px}.honeypot{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}@media(max-width:800px){.two-col,.children-list,.signature-grid{grid-template-columns:1fr}.site-header{padding:14px 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