:root {
  --navy: #001F3D;
  --navy-2: #06294f;
  --green: #10b981;
  --green-dark: #059669;
  --gold: #f0b429;
  --ink: #0f172a;
  --muted: #64748b;
  --bg: #ffffff;
  --bg-alt: #f5f8fb;
  --border: #e6ebf2;
  --radius: 16px;
  --shadow: 0 10px 30px rgba(2, 32, 71, .08);
  --max: 1140px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 20px; }

/* ===== Buttons ===== */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 8px; font-weight: 700; font-size: 16px; text-decoration: none;
  border: none; cursor: pointer; border-radius: 12px; transition: all .2s ease;
  padding: 14px 26px;
}
.btn-green { background: var(--green); color: #fff; }
.btn-green:hover { background: var(--green-dark); transform: translateY(-2px); }
.btn-ghost { background: transparent; color: #fff; border: 2px solid rgba(255,255,255,.5); }
.btn-ghost:hover { border-color: #fff; background: rgba(255,255,255,.08); }
.btn-lg { padding: 17px 32px; font-size: 17px; }
.btn-sm { padding: 10px 18px; font-size: 14px; }
.btn-block { width: 100%; }

/* ===== Header ===== */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(0, 31, 61, .96); backdrop-filter: blur(8px);
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.nav-wrap { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.brand { display: flex; align-items: center; gap: 9px; text-decoration: none; }
.brand-mark {
  width: 30px; height: 30px; display: grid; place-items: center;
  background: var(--green); color: #fff; border-radius: 8px; font-size: 14px; font-weight: 900;
}
.brand-name { font-weight: 900; font-size: 20px; color: #fff; letter-spacing: -.5px; }
.brand-name span { color: var(--green); }

.nav { display: none; gap: 26px; }
.nav a { color: rgba(255,255,255,.85); text-decoration: none; font-size: 15px; font-weight: 500; }
.nav a:hover { color: #fff; }

.nav-cta { display: flex; align-items: center; gap: 10px; }
.nav-toggle { background: none; border: none; color: #fff; font-size: 24px; cursor: pointer; display: block; }
.nav-toggle:hover { color: var(--green); }

/* Mobile nav open */
.nav.open { display: flex; flex-direction: column; position: absolute; top: 68px; left: 0; right: 0; background: var(--navy); padding: 20px; gap: 18px; border-top: 1px solid rgba(255,255,255,.1); }
.nav.open a { font-size: 17px; padding: 8px 0; border-bottom: 1px solid rgba(255,255,255,.08); }

/* ===== Hero ===== */
.hero { position: relative; color: #fff; overflow: hidden; }
.hero-bg { position: absolute; inset: 0; background-size: cover; background-position: center; transform: scale(1.02); }
.hero-overlay { position: absolute; inset: 0; background: linear-gradient(135deg, rgba(0,31,61,.94) 0%, rgba(0,31,61,.72) 55%, rgba(0,31,61,.55) 100%); }
.hero-inner { position: relative; z-index: 2; padding: 88px 20px 96px; max-width: 860px; margin: 0 auto; }
.eyebrow {
  display: inline-block; font-size: 13px; font-weight: 700; letter-spacing: 1.5px;
  text-transform: uppercase; color: var(--green); background: rgba(16,185,129,.12);
  padding: 7px 14px; border-radius: 100px; margin-bottom: 20px;
}
.eyebrow.dark { color: var(--green-dark); background: rgba(16,185,129,.1); }
.eyebrow.light { color: var(--gold); background: rgba(240,180,41,.14); }

.hero h1 { font-size: 38px; line-height: 1.12; font-weight: 900; letter-spacing: -1px; margin-bottom: 20px; }
.hero h1 .accent { color: var(--green); }
.hero-sub { font-size: 18px; color: rgba(255,255,255,.9); max-width: 640px; margin-bottom: 30px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 30px; }
.hero-points { list-style: none; display: flex; flex-wrap: wrap; gap: 18px; }
.hero-points li { font-size: 15px; font-weight: 600; color: rgba(255,255,255,.95); }

/* ===== Trust bar ===== */
.trustbar { background: var(--navy); border-top: 1px solid rgba(255,255,255,.06); }
.trust-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; padding: 34px 20px; }
.trust-item { text-align: center; }
.trust-num { display: block; font-size: 26px; font-weight: 800; color: var(--green); }
.trust-label { font-size: 13px; color: rgba(255,255,255,.7); }

/* ===== Sections ===== */
.section { padding: 72px 0; }
.section-alt { background: var(--bg-alt); }
.section-head { text-align: center; max-width: 680px; margin: 0 auto 48px; }
.section-head h2 { font-size: 32px; font-weight: 900; letter-spacing: -1px; line-height: 1.15; margin-bottom: 14px; color: var(--navy); }
.section-head p { font-size: 17px; color: var(--muted); }
.accent-green { color: var(--green-dark); }

/* ===== Cards ===== */
.cards-grid { display: grid; grid-template-columns: 1fr; gap: 22px; }
.card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  overflow: hidden; box-shadow: var(--shadow); transition: transform .2s ease;
}
.card:hover { transform: translateY(-5px); }
.card-img { height: 200px; overflow: hidden; }
.card-img img { width: 100%; height: 100%; object-fit: cover; }
.card-body { padding: 20px 22px 24px; }
.card-body h3 { font-size: 19px; font-weight: 700; margin-bottom: 8px; color: var(--navy); }
.card-body p { font-size: 15px; color: var(--muted); }

/* ===== Steps ===== */
.steps-grid { display: grid; grid-template-columns: 1fr; gap: 22px; }
.step {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  padding: 30px 26px; box-shadow: var(--shadow);
}
.step-num {
  width: 46px; height: 46px; display: grid; place-items: center; margin-bottom: 18px;
  background: var(--green); color: #fff; font-size: 22px; font-weight: 800; border-radius: 12px;
}
.step h3 { font-size: 19px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.step p { font-size: 15px; color: var(--muted); }

/* ===== Split ===== */
.split { display: grid; grid-template-columns: 1fr; gap: 32px; align-items: center; }
.split-media img { border-radius: var(--radius); box-shadow: var(--shadow); width: 100%; height: 280px; object-fit: cover; }
.split-copy h2 { font-size: 30px; font-weight: 900; letter-spacing: -1px; line-height: 1.15; color: var(--navy); margin: 6px 0 16px; }
.split-copy p { font-size: 16px; color: var(--muted); margin-bottom: 18px; }
.check-list { list-style: none; margin-bottom: 24px; }
.check-list li { padding: 8px 0 8px 30px; position: relative; font-size: 15px; color: var(--ink); }
.check-list li::before { content: '✓'; position: absolute; left: 0; color: var(--green); font-weight: 800; }
.check-list.light li { color: rgba(255,255,255,.92); }
.check-list.light li::before { color: var(--gold); }

/* ===== Credit section ===== */
.section-credit { background: var(--navy); color: #fff; }
.credit-grid { display: grid; grid-template-columns: 1fr; gap: 36px; align-items: center; }
.credit-copy h2 { font-size: 30px; font-weight: 900; letter-spacing: -1px; line-height: 1.15; margin: 6px 0 16px; }
.credit-copy p { font-size: 16px; color: rgba(255,255,255,.85); margin-bottom: 18px; }
.accent-gold { color: var(--gold); }

/* ===== Forms ===== */
.form-card {
  background: #fff; color: var(--ink); border-radius: var(--radius);
  padding: 30px 26px; box-shadow: 0 20px 50px rgba(0,0,0,.18);
}
.form-card h3 { font-size: 22px; font-weight: 800; color: var(--navy); margin-bottom: 4px; }
.form-sub { font-size: 14px; color: var(--muted); margin-bottom: 20px; }
.form label { display: block; font-size: 13px; font-weight: 600; color: var(--navy); margin-bottom: 14px; }
.form input, .form select, .form textarea {
  width: 100%; margin-top: 6px; padding: 13px 14px; font-size: 15px; font-family: inherit;
  border: 1.5px solid var(--border); border-radius: 10px; color: var(--ink); background: #fafbfd;
  transition: border .15s ease, box-shadow .15s ease;
}
.form input:focus, .form select:focus, .form textarea:focus {
  outline: none; border-color: var(--green); box-shadow: 0 0 0 3px rgba(16,185,129,.15);
}
.form-row { display: grid; grid-template-columns: 1fr; gap: 0 14px; }
.form textarea { resize: vertical; }
.form-note { font-size: 12.5px; color: var(--muted); text-align: center; margin-top: 12px; }
.form-status { display: none; margin-top: 14px; padding: 13px 16px; border-radius: 10px; font-size: 14px; font-weight: 600; }
.form-status.ok { display: block; background: rgba(16,185,129,.12); color: #047857; border: 1px solid rgba(16,185,129,.3); }
.form-status.err { display: block; background: rgba(239,68,68,.1); color: #b91c1c; border: 1px solid rgba(239,68,68,.3); }

/* ===== Apply ===== */
.apply-grid { display: grid; grid-template-columns: 1fr; gap: 36px; align-items: start; }
.apply-copy h2 { font-size: 30px; font-weight: 900; letter-spacing: -1px; line-height: 1.15; color: var(--navy); margin: 6px 0 16px; }
.apply-copy p { font-size: 16px; color: var(--muted); margin-bottom: 22px; }
.apply-contact { background: var(--bg-alt); border: 1px solid var(--border); border-radius: 12px; padding: 20px; }
.apply-contact p { margin-bottom: 6px; font-size: 15px; color: var(--ink); }

/* ===== Footer ===== */
.site-footer { background: var(--navy); color: rgba(255,255,255,.75); }
.footer-grid { display: grid; grid-template-columns: 1fr; gap: 32px; padding: 56px 20px 40px; }
.footer-brand p { font-size: 14px; margin-top: 12px; max-width: 260px; }
.footer-col h4 { color: #fff; font-size: 15px; font-weight: 700; margin-bottom: 14px; }
.footer-col a, .footer-col p { display: block; font-size: 14px; color: rgba(255,255,255,.7); text-decoration: none; margin-bottom: 9px; }
.footer-col a:hover { color: var(--green); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding: 22px 0; }
.footer-bottom p { font-size: 13px; color: rgba(255,255,255,.55); }
.footer-bottom a { color: rgba(255,255,255,.75); }
.disclaimer { margin-top: 8px; font-size: 12px !important; color: rgba(255,255,255,.4) !important; }

/* ===== Responsive ===== */
@media (min-width: 640px) {
  .cards-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: repeat(3, 1fr); }
  .form-row { grid-template-columns: 1fr 1fr; }
  .hero h1 { font-size: 52px; }
  .section-head h2 { font-size: 38px; }
  .split-copy h2, .credit-copy h2, .apply-copy h2 { font-size: 34px; }
  .footer-grid { grid-template-columns: 2fr 1fr 1fr; }
}

@media (min-width: 900px) {
  .nav { display: flex; }
  .nav-toggle { display: none; }
  .cards-grid { grid-template-columns: repeat(3, 1fr); }
  .split { grid-template-columns: 1fr 1fr; }
  .credit-grid { grid-template-columns: 1fr 1fr; }
  .apply-grid { grid-template-columns: 1fr 1.15fr; }
  .split-media img { height: 420px; }
  .trust-grid { grid-template-columns: repeat(4, 1fr); }
}