body {
  color: #1a1a1a;
  line-height: 1.65;
}

.vf-wrap { max-width: 880px; margin: 0 auto; margin-top: 20px; margin-bottom: 20px; }

#vf-main { display: block; }

.vf-hero {
  margin-bottom: 2rem;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid #e0ddd6;
  position: sticky;
  top: 0;
  z-index: 100;
  background: #f4f7fa;
  padding-top: 1.25rem;
  margin-top: 0;
}
.vf-hero-top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: .6rem;
}
.vf-eyebrow {
  font-size: 12px;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: #888;
  margin-bottom: .4rem;
  font-weight: 500;
}
.vf-hero h1 {
  font-size: 28px;
  font-weight: 700;
  letter-spacing: -.3px;
  margin-bottom: .4rem;
  color: #111;
}
.vf-hero p { font-size: 15px; color: #555; max-width: 640px; }
.vf-persona-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 12px;
  font-weight: 600;
  color: #1E2140;
  background: #f0f1f7;
  border-radius: 8px;
  padding: 5px 12px;
  white-space: nowrap;
  cursor: pointer;
  margin-top: 4px;
  border: 1px solid rgba(30,33,64,.15);
  transition: background .12s;
}
.vf-persona-badge:hover { background: #e3e4f2; }

.vf-prog-wrap {
  height: 3px;
  background: #e0ddd6;
  border-radius: 2px;
  margin-top: 1.1rem;
  overflow: hidden;
}
#vf-prog {
  height: 100%;
  background: #1E2140;
  width: 0;
  border-radius: 2px;
  transition: width .35s ease;
}

.vf-rtoggle-bar {
  display: flex;
  align-items: center;
  gap: 10px;
  background: #fff;
  border: 1px solid #e0ddd6;
  border-radius: 10px;
  padding: .7rem 1.1rem;
  margin-bottom: 1.5rem;
  font-size: 14px;
  color: #555;
}
.vf-rtoggle-bar strong { color: #111; font-weight: 600; }
.vf-toggle-sw {
  position: relative;
  display: inline-block;
  width: 36px; height: 20px;
  flex-shrink: 0;
  background: white;
  border: 1px;
  border-radius: 10px;
  margin-left: auto;
  border-style: solid;
  border-color: grey;
  padding-top: 20px;
}
.vf-toggle-sw input { opacity: 0; width: 0; height: 0; }
.vf-slider-sw {
  cursor: pointer;
  top: 52px; left: 0; right: 0; bottom: 0;
  background: #ccc; border-radius: 20px;
  transition: .2s;
}
.vf-slider-sw:before {
  position: absolute; content: "";
  height: 14px; width: 14px;
  left: 3px; bottom: 3px;
  background: grey; border-radius: 50%;
  transition: .2s;
}
.vf-toggle-sw input:checked + .vf-slider-sw { background: #1E2140; }
.vf-toggle-sw input:checked + .vf-slider-sw:before { background: green !important; transform: translateX(16px); }

.vf-block {
  background: #fff;
  border: 1px solid #e0ddd6;
  border-radius: 14px;
  margin-bottom: 1.5rem;
  overflow: hidden;
}
.vf-block-hdr {
  padding: 1rem 1.5rem;
  border-bottom: 1px solid #f0ede8;
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.vf-btag {
  font-size: 11px;
  font-weight: 700;
  color: #1E2140;
  background: #f0f1f7;
  border-radius: 6px;
  padding: 3px 9px;
  white-space: nowrap;
  margin-top: 3px;
  letter-spacing: .02em;
  flex-shrink: 0;
}
.vf-btag-warn {
  font-size: 11px;
  font-weight: 700;
  color: #9A2222;
  background: #fde8e8;
  border-radius: 6px;
  padding: 3px 9px;
  white-space: nowrap;
  margin-top: 3px;
  letter-spacing: .02em;
  flex-shrink: 0;
}
.vf-btitle { font-size: 17px; font-weight: 700; color: #111; margin-bottom: 3px; }
.vf-bsub { font-size: 13px; color: #666; line-height: 1.5; }

.vf-contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem 1.25rem;
  padding: 1.35rem 1.5rem;
}
@media (max-width: 580px) {
  .vf-contact-grid { grid-template-columns: 1fr; }
}
.vf-contact-grid .vf-fg-full { grid-column: 1 / -1; }
.vf-fg { display: flex; flex-direction: column; }
.vf-flabel {
  font-size: 13px;
  font-weight: 600;
  color: #444;
  margin-bottom: .35rem;
  display: flex;
  align-items: center;
  gap: 5px;
}
.vf-req { color: #C0392B; font-size: 12px; }
.vf-opt-tag { font-size: 11px; color: #aaa; font-weight: 400; }
.vf-input, .vf-select {
  border: 1px solid #e0ddd6;
  border-radius: 8px;
  padding: 10px 13px;
  font-size: 15px;
  font-family: inherit;
  color: #111;
  background: #faf9f7;
  transition: border-color .15s;
  width: 100%;
}
.vf-input::placeholder { color: #bbb; }
.vf-input:focus, .vf-select:focus {
  outline: none;
  border-color: #1E2140;
  background: #fff;
}
.vf-select { cursor: pointer; }
.vf-input.vf-invalid { border-color: #C0392B; }

.vf-q {
  padding: 1.35rem 1.5rem;
  border-bottom: 1px solid #f0ede8;
  transition: opacity .2s;
}
.vf-q:last-child { border-bottom: none; }
.vf-ql {
  font-size: 16px;
  font-weight: 700;
  color: #111;
  margin-bottom: 5px;
  line-height: 1.35;
}
.vf-qs {
  font-size: 14px;
  color: #555;
  line-height: 1.6;
  margin-bottom: 1rem;
}

.vf-rationale {
  display: none;
  background: #f0f7f3;
  border-left: 3px solid #52B788;
  border-radius: 0 6px 6px 0;
  padding: .7rem 1rem;
  margin-bottom: 1rem;
  font-size: 13px;
  color: #3a5a40;
  line-height: 1.55;
}
.vf-rationale strong { color: #234d30; font-weight: 600; }
.vf-insolvency-tag {
  display: inline-block;
  font-size: 10px;
  font-weight: 700;
  color: #9A2222;
  background: #fde8e8;
  border-radius: 4px;
  padding: 1px 6px;
  margin-left: 8px;
  letter-spacing: .03em;
  vertical-align: middle;
}

.vf-optrow {
  display: flex;
  gap: 6px;
  margin-bottom: .9rem;
  flex-wrap: nowrap;
}
@media (max-width: 620px) {
  .vf-optrow { flex-wrap: wrap; }
  .vf-opt { min-width: calc(50% - 6px); flex: none; }
}
.vf-opt {
  flex: 1;
  padding: 8px 6px 10px;
  border-radius: 9px;
  border: 1.5px solid #e0ddd6;
  cursor: pointer;
  text-align: center;
  transition: border-color .12s, background .12s;
  min-width: 0;
}
.vf-opt:hover { border-color: #bbb; }
.vf-odot {
  width: 8px; height: 8px;
  border-radius: 50%;
  border: 1.5px solid #ccc;
  margin: 0 auto 5px;
  transition: background .12s, border-color .12s;
}
.vf-onum { font-size: 12px; font-weight: 700; color: #aaa; margin-bottom: 4px; }
.vf-otxt { font-size: 11px; color: #999; line-height: 1.3; }

.vf-submit-section { margin-top: 2rem; }
.vf-submit-notice {
  background: #fff;
  border: 1px solid #e0ddd6;
  border-radius: 10px;
  padding: 1.1rem 1.35rem;
  margin-bottom: 1rem;
  font-size: 14px;
  color: #555;
  line-height: 1.6;
}
.vf-submit-notice strong { color: #111; }
.vf-submit-btn {
  display: block;
  width: 100%;
  padding: 1.1rem;
  background: #1E2140;
  color: #fff;
  border: none;
  border-radius: 11px;
  font-size: 16px;
  font-weight: 700;
  cursor: pointer;
  font-family: inherit;
  letter-spacing: .02em;
  transition: background .15s, transform .1s;
}
.vf-submit-btn:hover { background: #161830; }
.vf-submit-btn:active { transform: scale(.99); }

#vf-val-banner {
  display: none;
  background: #fde8e8;
  border: 1px solid #f4a0a0;
  border-radius: 9px;
  padding: .85rem 1.2rem;
  margin-top: 1rem;
  font-size: 14px;
  color: #9A2222;
}

#vf-thankyou {
  display: none;
  max-width: 920px;
  margin: 4rem auto 2rem;
  text-align: center;
}
.vf-ty-icon {
  width: 64px; height: 64px;
  background: #e8f4ee;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 28px;
  margin: 0 auto 1.5rem;
}
.vf-ty-title {
  font-size: 26px;
  font-weight: 700;
  color: #111;
  margin-bottom: .6rem;
}
.vf-ty-sub {
  font-size: 16px;
  color: #555;
  line-height: 1.65;
  margin-bottom: 2rem;
}
.vf-ty-cards {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 1rem;
  margin-bottom: 2rem;
  text-align: left;
}
@media (max-width: 700px) { .vf-ty-cards { grid-template-columns: 1fr; } }
.vf-ty-card {
  background: #fff;
  border: 1px solid #e0ddd6;
  border-radius: 12px;
  padding: 1.1rem 1.25rem;
}
.vf-ty-cn {
  font-size: 11px;
  font-weight: 700;
  color: #1E2140;
  letter-spacing: .06em;
  text-transform: uppercase;
  margin-bottom: .35rem;
}
.vf-ty-ct {
  font-size: 14px;
  color: #333;
  font-weight: 600;
  margin-bottom: .3rem;
}
.vf-ty-cd { font-size: 13px; color: #666; line-height: 1.5; }
.vf-ty-note {
  font-size: 13px;
  color: #888;
  line-height: 1.65;
}
.vf-ty-products-btn {
  display: inline-block;
  margin-top: 2rem;
  padding: .85rem 2rem;
  border: 1.5px solid #1E2140;
  border-radius: 10px;
  font-size: 14px;
  font-weight: 700;
  color: #1E2140;
  text-decoration: none;
  letter-spacing: .03em;
  transition: background .15s, color .15s;
}
.vf-ty-products-btn:hover { background: #1E2140; color: #fff; }