.skm-page { background: #f5f7fb; color: #334155; padding-bottom: 64px; }
.skm-hero { background: #212b5a; color: #fff; padding: 46px 0 48px; }
.skm-hero nav { display: flex; gap: 12px; font-size: 13px; margin-bottom: 26px; color: #e0e6f3; }
.skm-hero nav a { color: #fff; }
.skm-eyebrow { color: #ffd05a; font-weight: 700; font-size: 11px; letter-spacing: 1.5px; }
.skm-hero h1 { color: #fff; font-size: clamp(28px, 4vw, 44px); margin: 14px 0; line-height: 1.2; }
.skm-hero p { color: #e0e6f3; margin: 0; font-size: 16px; }
.skm-hero .skm-result-link { display: inline-flex; align-items: center; gap: 16px; padding: 12px 18px; margin-top: 22px; border: 1px solid #ffd05a; border-radius: 8px; color: #ffd05a; font-size: 14px; font-weight: 600; }
.skm-hero .skm-result-link:hover { background: #ffd05a; color: #212b5a; }
.skm-content { max-width: 1120px; padding-top: 38px; }
.skm-intro { margin-bottom: 26px; }
.skm-intro h2 { font-size: 22px; color: #24345b; }
.skm-intro p { color: #475569; font-size: 15px; line-height: 1.8; }
.skm-panel { padding: 30px; border: 1px solid #dfe5ef; background: #fff; border-radius: 16px; margin-bottom: 24px; box-shadow: 0 4px 20px #24345b04; }
.skm-panel-heading { display: flex; gap: 14px; align-items: center; padding-bottom: 24px; margin-bottom: 24px; border-bottom: 1px solid #e5eaf2; }
.skm-step { display: grid; place-items: center; width: 44px; height: 44px; flex-shrink: 0; border-radius: 12px; color: #24345b; background: #edf2fa; font-weight: 700; }
.skm-panel-heading h2 { color: #24345b; font-size: 20px; margin: 0 0 5px; }
.skm-panel-heading p { font-size: 13px; line-height: 1.6; color: #475569; margin: 0; }
.skm-fields { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.skm-full { grid-column: 1 / -1; }
.skm-page fieldset { min-width: 0; padding: 0; border: 0; margin: 0; }
.skm-field > label, .skm-field > legend, .skm-other > label { display: block; width: auto; float: none; color: #24345b; font-size: 14px; font-weight: 600; margin: 0 0 10px; }
.skm-page input[type=text], .skm-page input[type=date], .skm-page input[type=number], .skm-page textarea { display: block; width: 100%; min-height: 48px; height: auto; color: #24344d; background: #fbfcfe; border: 1px solid #cad4e3; border-radius: 8px; padding: 11px 14px; font: inherit; font-size: 15px; box-shadow: none; }
.skm-page input::placeholder, .skm-page textarea::placeholder { color: #58677b; opacity: 1; }
.skm-inline { display: flex; align-items: center; flex-wrap: wrap; gap: 10px 22px; min-height: 48px; }
.skm-inline label { display: inline-flex; align-items: center; gap: 8px; margin: 0; color: #334155; font-size: 14px; cursor: pointer; }
.skm-page input[type=radio] { display: inline-block; visibility: visible; position: static; opacity: 1; appearance: auto; width: 18px; height: 18px; flex-shrink: 0; margin: 0; accent-color: #24345b; cursor: pointer; }
.skm-inline label { min-height: 44px; padding: 9px 12px; border: 1px solid #d7dfeb; border-radius: 8px; background: #fff; }
.skm-inline label:has(input:checked) { border-color: #24345b; background: #edf2fa; box-shadow: inset 0 0 0 1px #24345b; color: #24345b; }
.skm-page .skm-hero h1 { color: #fff !important; }
.skm-page .skm-hero p { color: #e0e6f3 !important; }
.skm-auto-time { border: 1px solid #dfe5ef; border-radius: 9px; padding: 15px 18px; background: #f5f8fc; color: #24345b; }
.skm-auto-time p { margin: 6px 0 0; color: #475569; font-size: 14px; }
.skm-other { max-width: 500px; margin-top: 16px; }
.skm-other[hidden] { display: none; }
.skm-questions { display: grid; gap: 26px; }
.skm-page .skm-question { padding-bottom: 24px; border-bottom: 1px solid #e5eaf2; }
.skm-page .skm-question:last-child { border-bottom: 0; padding-bottom: 0; }
.skm-question legend { display: flex; gap: 12px; align-items: flex-start; float: none; width: 100%; font-size: 16px; font-weight: 600; color: #24344d; line-height: 1.65; margin: 0 0 16px; }
.skm-number { display: grid; place-items: center; width: 30px; height: 30px; flex: 0 0 30px; background: #fbf1d9; color: #7b541b; border-radius: 8px; font-size: 14px; }
.skm-answers { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; padding-left: 42px; }
.skm-answer { display: flex; align-items: center; gap: 10px; cursor: pointer; padding: 14px; border: 1px solid #d7dfeb; border-radius: 8px; color: #334155; font-size: 14px; line-height: 1.5; margin: 0; }
.skm-answer > span { flex: 1; }
.skm-answer b { margin-right: 4px; }
.skm-answer small { color: #526174; font-size: 12px; }
.skm-answer:hover { border-color: #526c98; background: #f7f9fd; }
.skm-answer:has(input:checked) { border-color: #24345b; background: #edf2fa; color: #24345b; box-shadow: inset 0 0 0 1px #24345b; }
.skm-page :is(input,textarea,button,a):focus-visible { outline: 3px solid #bd902c; outline-offset: 3px; }
.skm-form-footer { display: flex; gap: 20px; align-items: center; justify-content: space-between; }
.skm-form-footer p { color: #475569; font-size: 13px; margin: 0; }
.skm-submit { display: inline-flex; justify-content: center; align-items: center; gap: 16px; border: 0; border-radius: 9px; background: #24345b; color: #fff; padding: 16px 24px; font-size: 15px; font-weight: 600; }
.skm-submit:hover { background: #344779; color: #fff; }
.skm-submit:disabled { opacity: .65; }
.skm-errors { border: 1px solid #dfb6b9; border-radius: 10px; background: #fff5f5; color: #8b2832; padding: 20px; margin-bottom: 24px; }
.skm-errors ul { margin: 10px 0 0; }
.skm-error-text { color: #8b2832; font-size: 13px; margin-top: 8px; }
.skm-success { text-align: center; padding: 50px 24px; }
.skm-success h2 { color: #24345b; font-size: 26px; }
.skm-success-icon { display: grid; place-items: center; width: 64px; height: 64px; margin: 0 auto 24px; border-radius: 50%; background: #e5f4ee; color: #21634c; font-size: 30px; }
.skm-sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip-path: inset(50%); }
@media(max-width: 767px) { .skm-panel { padding: 20px; }.skm-fields { grid-template-columns: 1fr; }.skm-answers { grid-template-columns: 1fr; padding-left: 0; }.skm-form-footer { align-items: stretch; flex-direction: column; }.skm-hero { padding: 32px 0; }.skm-panel-heading { align-items: flex-start; }.skm-panel-heading h2 { font-size: 18px; } }