:root{
      --niaf-navy:#0b2040;
      --niaf-gold:#d3a62d;
      --bg:#f4f6f8;
      --card:#ffffff;
      --text:#0f172a;
      --muted:#64748b;
      --border:#e5e7eb;
      --focus:#2887cf;
    }
    .card{
      width:100%;
      max-width:520px;
      background:#fff;
      border-radius:14px;
      box-shadow:0 10px 30px rgba(15,23,42,.08);
      overflow:hidden;
    }

    .brandbar{
      background: var(--niaf-navy);
      padding:20px;
      border-top:6px solid var(--niaf-gold);
      text-align:center;
    }

    .brandbar-title{
      color:#fff;
      font-size:22px;
      font-weight:700;
      letter-spacing:.5px;
    }

    .content{ padding:24px; }

    .intro-text{
      font-size:14px;
      color: var(--muted);
      margin-bottom:18px;
      line-height:1.5;
    }

    label{
      display:block;
      font-size:13px;
      color: var(--muted);
      margin:14px 0 6px;
    }

    input{
      width:100%;
      padding:12px;
      border-radius:10px;
      border:1px solid var(--border);
      font-size:15px;
    }

    .btn{
      width:100%;
      margin-top:16px;
      padding:13px;
      border-radius:10px;
      font-size:15px;
      font-weight:700;
      border:none;
      cursor:pointer;
    }

    .btn-primary{
      background: var(--niaf-gold);
      color:#1b1b1b;
    }

    .btn-secondary{
      background: var(--niaf-navy);
      color:#fff;
    }

    .links{
      margin-top:10px;
    }

    .links a{
      font-size:13px;
      color: var(--niaf-navy);
      text-decoration:underline;
    }

    .divider{
      display:flex;
      align-items:center;
      gap:14px;
      margin:28px 0;
      color: var(--niaf-navy);
      font-weight:800;
      font-size:16px;
      letter-spacing:1px;
    }

    .divider::before,
    .divider::after{
      content:"";
      flex:1;
      height:2px;
      background: var(--border);
    }

    .section-title{
      font-size:16px;
      font-weight:700;
      color: var(--niaf-navy);
      margin-bottom:6px;
    }

    .helper{
      font-size:12px;
      color: var(--muted);
      margin-top:8px;
      line-height:1.4;
    }

    .footer{
      padding:14px 24px;
      font-size:12px;
      color: var(--muted);
      border-top:1px solid var(--border);
      background:#fafafa;
      text-align:center;
    }