:root{
      /* High-contrast, banker-clean palette */
      --ink:#000000;      /* ALL text black */
      --muted:#000000;    /* still black per request */
      --border:#111111;   /* near-black borders */
      --bg:#ffffff;       /* white background */
      --panel:#ffffff;    /* white cards */
      --soft:#f3f4f6;     /* light gray blocks for separation */
      --accent:#000000;   /* no color accents */
      --shadow:0 10px 22px rgba(0,0,0,.10);
      --radius:18px;
      --max:1120px;
    }

    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{
      margin:0;
      font-family:Inter,system-ui,Arial,sans-serif;
      color:var(--ink);
      background:var(--bg);
      line-height:1.55;
      -webkit-font-smoothing:antialiased;
      text-rendering:optimizeLegibility;
    }

    /* Accessibility / readability */
    a{color:var(--ink)}
    a:hover{text-decoration:underline}
    p, li{font-size:1.05rem}
    @media (max-width:900px){
      p, li{font-size:1.02rem}
    }

    /* Top navigation */
    .topbar{
      position:sticky; top:0; z-index:50;
      background:#fff;
      border-bottom:2px solid var(--border);
    }
    .topbar .inner{
      max-width:var(--max);
      margin:0 auto;
      padding:16px 18px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:16px;
    }
    .brand{
      font-weight:900;
      font-size:1.06rem;
      letter-spacing:.2px;
      text-decoration:none;
      white-space:nowrap;
    }
    .nav{
      display:flex;
      gap:10px;
      flex-wrap:wrap;
      justify-content:flex-end;
    }
    .nav a{
      text-decoration:none;
      font-weight:900;
      font-size:0.95rem;
      padding:10px 12px;
      border:2px solid transparent;
      border-radius:12px;
    }
    .nav a:hover{
      border-color:var(--border);
      text-decoration:none;
    }

    /* Page container */
    .wrap{
      max-width:var(--max);
      margin:0 auto;
      padding:34px 18px 80px;
    }

    /* Hero */
    .hero{
      border:2px solid var(--border);
      border-radius:24px;
      padding:30px;
      box-shadow:var(--shadow);
      background:#fff;
    }
    .kicker{
      font-weight:900;
      text-transform:uppercase;
      letter-spacing:2px;
      font-size:0.85rem;
      margin-bottom:8px;
      color:var(--ink);
    }
    h1{
      margin:0 0 10px;
      font-size:2.15rem;
      line-height:1.2;
      color:var(--ink);
    }
    .sub{
      margin:0;
      max-width:980px;
      color:var(--ink);
      font-size:1.12rem;
    }

    /* Quick facts row */
    .facts{
      margin-top:18px;
      display:grid;
      grid-template-columns:repeat(4, 1fr);
      gap:12px;
    }
    .fact{
      border:2px solid var(--border);
      border-radius:16px;
      padding:14px;
      background:var(--soft);
      min-height:86px;
    }
    .fact .label{
      font-weight:900;
      font-size:0.95rem;
      margin-bottom:6px;
      color:var(--ink);
    }
    .fact .value{
      font-weight:700;
      font-size:1.05rem;
      color:var(--ink);
    }

    /* Buttons */
    .ctaRow{
      margin-top:18px;
      display:flex;
      gap:12px;
      flex-wrap:wrap;
      align-items:center;
    }
    .btn{
      display:inline-block;
      text-decoration:none;
      font-weight:900;
      border:2px solid var(--border);
      border-radius:14px;
      padding:12px 14px;
      background:#000;
      color:#fff;
      font-size:1rem;
    }
    .btn:hover{background:#111}
    .btn.secondary{
      background:#fff;
      color:#000;
    }
    .btn.secondary:hover{background:var(--soft)}
    .note{
      margin:0;
      font-size:1rem;
      font-weight:700;
      color:var(--ink);
    }

    /* Sections */
    .sectionTitle{
      margin:28px 0 12px;
      font-size:1.25rem;
      font-weight:900;
      letter-spacing:.2px;
      color:var(--ink);
    }

    .grid{
      display:grid;
      grid-template-columns:1fr 1fr;
      gap:14px;
    }
    .card{
      background:#fff;
      border:2px solid var(--border);
      border-radius:var(--radius);
      padding:18px 18px 16px;
      box-shadow:none;
    }
    .card h2{
      margin:0 0 10px;
      font-size:1.12rem;
      font-weight:900;
      color:var(--ink);
    }
    ul{margin:0; padding-left:18px}
    li{margin:7px 0}

    .single{
      border:2px solid var(--border);
      border-radius:var(--radius);
      background:#fff;
      padding:18px;
    }

    /* Contact block */
    .contactBox{
      margin-top:18px;
      border:2px solid var(--border);
      border-radius:22px;
      padding:18px;
      background:var(--soft);
      display:grid;
      grid-template-columns:1fr 1fr;
      gap:12px 18px;
    }
    .contactBox strong{
      display:block;
      margin-bottom:6px;
      font-weight:900;
      font-size:1rem;
      color:var(--ink);
    }
    .contactBox div{
      font-weight:700;
      color:var(--ink);
      font-size:1.05rem;
    }
    .contactBox a{
      font-weight:900;
      text-decoration:none;
      color:var(--ink);
    }
    .contactBox a:hover{text-decoration:underline}

    /* Disclaimer */
    .disclaimer{
      margin-top:18px;
      border:2px dashed var(--border);
      border-radius:16px;
      padding:14px 16px;
      background:#fff;
      color:var(--ink);
      font-weight:700;
      font-size:1rem;
    }

    /* Partner Application section (your form, dressed up) */
    .partner-wrapper{
      margin-top:46px;
      padding-top:6px;
    }
    .partner-header{
      border:2px solid var(--border);
      border-radius:24px;
      padding:22px;
      background:#fff;
    }
    .partner-header h2{
      margin:8px 0 6px;
      font-size:1.7rem;
      font-weight:900;
      color:var(--ink);
    }
    .partner-header p{
      margin:0;
      font-size:1.08rem;
      font-weight:700;
      color:var(--ink);
      max-width:900px;
    }

    .partner-layout{
      margin-top:14px;
      display:grid;
      grid-template-columns:360px 1fr;
      gap:14px;
    }

    .partner-sidebar{
      border:2px solid var(--border);
      border-radius:18px;
      padding:20px;
      background:var(--soft);
    }
    .partner-sidebar h3{
      margin:0 0 12px;
      font-size:1.1rem;
      font-weight:900;
      color:var(--ink);
      border-bottom:2px solid var(--border);
      padding-bottom:10px;
    }
    .partner-steps{list-style:none; padding:0; margin:0}
    .partner-steps li{margin:0 0 14px}
    .partner-steps strong{display:block; font-weight:900; margin-bottom:4px; color:var(--ink)}
    .partner-steps span{color:var(--ink); font-weight:700; font-size:1.02rem}

    .partner-contact{
      margin-top:16px;
      border-top:2px solid var(--border);
      padding-top:14px;
      font-weight:800;
      color:var(--ink);
      font-size:1rem;
    }

    .partner-form{
      border:2px solid var(--border);
      border-radius:18px;
      padding:22px;
      background:#fff;
      box-shadow:var(--shadow);
    }
    .partner-form-grid{
      display:grid;
      grid-template-columns:1fr 1fr;
      gap:14px;
    }
    .partner-group{display:flex; flex-direction:column}
    .partner-group.full{grid-column:1/-1}

    label{
      font-weight:900;
      margin-bottom:6px;
      font-size:0.98rem;
      color:var(--ink);
    }
    input, select, textarea{
      font-family:inherit;
      font-size:1.05rem;
      padding:14px 14px;
      border:2px solid var(--border);
      border-radius:12px;
      color:var(--ink);
      background:#fff;
    }
    textarea{min-height:140px}
    input:focus, select:focus, textarea:focus{
      outline:none;
      box-shadow:0 0 0 5px rgba(0,0,0,.12);
    }

    .partner-actions{
      margin-top:16px;
      border-top:2px solid var(--border);
      padding-top:16px;
    }
    .partner-actions .confirm{
      display:flex;
      gap:10px;
      align-items:flex-start;
      font-weight:800;
      font-size:1rem;
      color:var(--ink);
    }
    .partner-actions button{
      margin-top:14px;
      width:100%;
      padding:16px;
      border:2px solid #000;
      border-radius:14px;
      background:#000;
      color:#fff;
      font-size:1.05rem;
      font-weight:900;
      cursor:pointer;
    }
    .partner-actions button:hover{background:#111}

    /* Footer */
    .pageFooter{
      margin-top:54px;
      border-top:2px solid var(--border);
      padding-top:18px;
      display:flex;
      flex-wrap:wrap;
      justify-content:space-between;
      gap:10px;
      font-size:1rem;
      font-weight:800;
      color:var(--ink);
    }

    /* Responsive */
    @media(max-width:980px){
      .facts{grid-template-columns:1fr 1fr}
      .grid{grid-template-columns:1fr}
      .partner-layout{grid-template-columns:1fr}
      .partner-form-grid{grid-template-columns:1fr}
      .contactBox{grid-template-columns:1fr}
    }
  div#container
{
   width: 1004px;
   position: relative;
   margin: 0 auto 0 auto;
   text-align: left;
}
body
{
   background-color: #FFFFFF;
   color: #400000;
   font-family: Garamond;
   font-weight: normal;
   font-size: 13px;
   line-height: 1.1875;
   margin: 0;
   text-align: center;
}
a
{
   color: #400000;
   text-decoration: underline;
}
a:hover
{
   color: #400000;
   text-decoration: underline;
}