:root{--ink:#0a1b33;--ink2:#2a3d5c;--muted:#5b6b82;--line:#e3e9f2;--bg:#f5f8fc;--white:#fff;--brand:#0ea47a;--brand-d:#0a7f5e;--brand-l:#e2f7ef;--navy:#0b2447;--navy2:#13335f;--gold:#f5b942;--radius:20px;--shadow:0 12px 34px rgba(10,27,51,.09);--shadow-lg:0 24px 60px rgba(10,27,51,.16)}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:#fff;line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:"Plus Jakarta Sans","Inter",sans-serif;line-height:1.14;letter-spacing:-.022em;margin:0 0 .55em;color:var(--ink)}
h1{font-size:clamp(2.2rem,5vw,3.6rem);font-weight:800}
h2{font-size:clamp(1.7rem,3.4vw,2.5rem);font-weight:800}
h3{font-size:1.25rem;font-weight:700}
p{margin:0 0 1em}
a{color:var(--brand-d);text-decoration:none}
a:hover{text-decoration:underline}
img,svg{max-width:100%;display:block}
ul{padding-left:1.2em}
.container{width:min(1180px,92%);margin-inline:auto}
.narrow{width:min(820px,92%);margin-inline:auto}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:.6em 1em;z-index:999}
.skip:focus{left:8px;top:8px}
.eyebrow{display:inline-flex;align-items:center;gap:.5em;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--brand-d);background:var(--brand-l);padding:.4em .9em;border-radius:99px;margin-bottom:1em}
.lead{font-size:1.2rem;color:var(--muted)}
.center{text-align:center}
.mx{margin-inline:auto}
/* buttons */
.btn{display:inline-flex;align-items:center;gap:.55em;font-weight:700;font-family:"Plus Jakarta Sans",sans-serif;padding:.95em 1.6em;border-radius:14px;border:2px solid transparent;cursor:pointer;font-size:1rem;transition:.2s;text-decoration:none!important;line-height:1}
.btn-primary{background:linear-gradient(135deg,#12b886,#0a8f6a);color:#fff;box-shadow:0 10px 24px rgba(14,164,122,.35)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 16px 32px rgba(14,164,122,.42)}
.btn-ghost{border-color:rgba(255,255,255,.4);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-outline{border-color:var(--line);color:var(--ink);background:#fff}
.btn-outline:hover{border-color:var(--brand);color:var(--brand-d)}
.btn-sm{padding:.7em 1.2em;font-size:.92rem;border-radius:12px}
.btn svg{width:18px;height:18px}
/* header */
.topbar{background:var(--navy);color:#cfe0f5;font-size:.85rem}
.topbar .container{display:flex;justify-content:space-between;gap:1rem;padding:.5em 0;flex-wrap:wrap}
.topbar a{color:#fff}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(1.6) blur(14px);border-bottom:1px solid transparent;transition:.2s}
.site-header.scrolled{border-color:var(--line);box-shadow:0 6px 24px rgba(10,27,51,.06)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;height:74px;gap:1rem}
.logo{display:flex;align-items:center;gap:.65em;color:var(--ink);font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:1.2rem;letter-spacing:-.02em;text-decoration:none!important}
.logo small{display:block;font-size:.62rem;letter-spacing:.2em;text-transform:uppercase;color:var(--brand-d);font-weight:700;margin-top:-2px}
.logo{white-space:nowrap;line-height:1.15}.logo svg{width:42px;height:42px;flex:none}
.nav{display:flex;align-items:center;gap:.2rem}
.nav>a,.nav .dd-btn{white-space:nowrap;padding:.6em .7em;border-radius:10px;color:var(--ink2);font-weight:600;font-size:.96rem;background:none;border:0;cursor:pointer;font-family:inherit;text-decoration:none!important}
.nav>a:hover,.nav .dd-btn:hover,.nav a[aria-current=page]{color:var(--brand-d);background:var(--brand-l)}
.has-dd{position:relative}
.dd{position:absolute;top:100%;left:0;min-width:290px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow-lg);padding:.5rem;opacity:0;visibility:hidden;transform:translateY(8px);transition:.18s}
.has-dd:hover .dd,.has-dd:focus-within .dd{opacity:1;visibility:visible;transform:none}
.dd a{display:flex;gap:.7em;align-items:center;padding:.6em .8em;border-radius:10px;color:var(--ink);font-weight:600;font-size:.94rem;text-decoration:none!important}
.dd a:hover{background:var(--brand-l)}
.dd svg{width:20px;height:20px;color:var(--brand)}
.nav>a.btn-primary{background:linear-gradient(135deg,#12b886,#0a8f6a);color:#fff;margin-left:.5rem;padding:.8em 1.2em}.nav>a.btn-primary:hover{background:linear-gradient(135deg,#12b886,#0a8f6a);color:#fff}
.burger{display:none;background:none;border:0;padding:.5rem;cursor:pointer}
.burger svg{width:28px;height:28px}
/* hero */
.hero{position:relative;background:radial-gradient(1200px 600px at 85% -10%,#1b4a86 0%,transparent 60%),radial-gradient(900px 500px at -10% 110%,#0d6a57 0%,transparent 55%),linear-gradient(160deg,#0a1f3e,#0b2d55);color:#fff;overflow:hidden;padding:4.5rem 0 6.5rem}
.hero h1,.hero h2{color:#fff}
.hero .lead{color:#c5d6ee}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:3rem;align-items:center}
.hero-badges{display:flex;flex-wrap:wrap;gap:.6rem 1.4rem;margin-top:1.6rem;color:#d6e4f7;font-size:.94rem}
.hero-badges span{display:inline-flex;gap:.5em;align-items:center}
.hero-badges svg{width:18px;height:18px;color:#5eead4}
.hero-bg{position:absolute;inset:0;opacity:.5;pointer-events:none}
.hero-visual{position:relative}
.chip{position:absolute;background:#fff;color:var(--ink);border-radius:16px;padding:.8em 1em;box-shadow:var(--shadow-lg);display:flex;align-items:center;gap:.7em;font-size:.88rem;font-weight:600;animation:float 6s ease-in-out infinite}
.chip b{display:block;font-size:1.05rem;font-family:"Plus Jakarta Sans",sans-serif}
.chip .ci{width:38px;height:38px;border-radius:12px;background:var(--brand-l);color:var(--brand-d);display:grid;place-items:center}
.chip .ci svg{width:20px;height:20px}
.chip.c1{left:-8%;top:12%}
.chip.c2{right:-4%;bottom:14%;animation-delay:-3s}
@keyframes float{50%{transform:translateY(-12px)}}
.quick{background:#fff;color:var(--ink);border-radius:22px;padding:1.5rem;box-shadow:var(--shadow-lg);margin-top:1.8rem;max-width:520px}
.quick label{font-weight:700;font-size:.95rem}
.quick .amt{font-family:"Plus Jakarta Sans",sans-serif;font-size:2.6rem;font-weight:800;color:var(--ink);line-height:1;margin:.2em 0 .4em}
.quick .scale{display:flex;justify-content:space-between;font-size:.8rem;color:var(--muted)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:99px;background:linear-gradient(90deg,var(--brand) var(--p,20%),#dbe4ef var(--p,20%));outline:none;margin:.6rem 0}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;border-radius:50%;background:#fff;border:6px solid var(--brand);box-shadow:0 4px 12px rgba(0,0,0,.2);cursor:pointer}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:#fff;border:6px solid var(--brand);cursor:pointer}
.media{margin:0;border-radius:var(--radius);overflow:hidden;aspect-ratio:var(--ar);background:#dfe8f3;box-shadow:var(--shadow)}
.media img{width:100%;height:100%;object-fit:cover}
.hero .media{box-shadow:var(--shadow-lg);border:6px solid rgba(255,255,255,.14)}
.wave{display:block;width:100%;height:auto;margin-top:-1px}
.hero .wave{position:absolute;bottom:-1px;left:0}
/* trust */
.trust{margin-top:-2.6rem;position:relative;z-index:3}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;background:#fff;border-radius:24px;padding:1.4rem;box-shadow:var(--shadow-lg)}
.trust-item{display:flex;gap:.9rem;align-items:center;padding:.4rem .8rem}
.ico{flex:none;width:52px;height:52px;border-radius:16px;background:linear-gradient(135deg,var(--brand-l),#d2f1e5);color:var(--brand-d);display:grid;place-items:center}
.ico svg{width:26px;height:26px}
.trust-item b{display:block;font-family:"Plus Jakarta Sans",sans-serif;line-height:1.2}
.trust-item span{font-size:.88rem;color:var(--muted);line-height:1.3;display:block}
/* sections */
section{padding:5.5rem 0}
.alt{background:var(--bg)}
.dark{background:linear-gradient(160deg,#0a1f3e,#0c2c52);color:#d3e1f5}
.dark h2,.dark h3{color:#fff}
.sec-head{max-width:720px;margin:0 auto 3rem;text-align:center}
.sec-head p{color:var(--muted);font-size:1.1rem}
.dark .sec-head p{color:#b9cbe5}
.grid{display:grid;gap:1.6rem}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem;transition:.25s}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:#cfe9df}
.card .ico{margin-bottom:1.1rem}
.card p{color:var(--muted);margin:0}
.loan-card{padding:0;overflow:hidden;display:flex;flex-direction:column}
.loan-card .media{border-radius:0;box-shadow:none}
.loan-card .body{padding:1.5rem;display:flex;flex-direction:column;gap:.5rem;flex:1}
.loan-card h3{margin:0;display:flex;gap:.5em;align-items:center}
.loan-card h3 svg{width:22px;height:22px;color:var(--brand)}
.loan-card .more{margin-top:auto;font-weight:700;display:inline-flex;gap:.4em;align-items:center}
.loan-card .more svg{width:16px;height:16px;transition:.2s}
.loan-card:hover .more svg{transform:translateX(4px)}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem;position:relative}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem;position:relative}
.step::before{counter-increment:s;content:counter(s);position:absolute;top:-18px;left:1.6rem;width:38px;height:38px;border-radius:50%;background:linear-gradient(135deg,#12b886,#0a8f6a);color:#fff;font-weight:800;display:grid;place-items:center;font-family:"Plus Jakarta Sans",sans-serif;box-shadow:0 8px 18px rgba(14,164,122,.4)}
.step p{color:var(--muted);margin:0}
.step .ico{margin-bottom:1rem}
.split{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center}
.split.rev>:first-child{order:2}
.checks{list-style:none;padding:0;margin:1.2rem 0}
.checks li{display:flex;gap:.8em;padding:.5em 0;align-items:flex-start}
.checks li::before{content:"";flex:none;width:24px;height:24px;border-radius:50%;margin-top:.1em;background:var(--brand-l) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230a7f5e' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") center/14px no-repeat}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;text-align:center}
.stat b{display:block;font-family:"Plus Jakarta Sans",sans-serif;font-size:2.6rem;color:#fff;line-height:1.1}
.stat span{color:#b9cbe5}
/* tables */
.tbl{width:100%;border-collapse:separate;border-spacing:0;border:1px solid var(--line);border-radius:16px;overflow:hidden;font-size:.97rem;background:#fff}
.tbl th{background:var(--navy);color:#fff;text-align:left;padding:1em 1.2em;font-family:"Plus Jakarta Sans",sans-serif}
.tbl td{padding:1em 1.2em;border-top:1px solid var(--line);vertical-align:top}
.tbl tr:nth-child(even) td{background:#fafcff}
.tbl-wrap{overflow-x:auto}
/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:16px;padding:0 1.4rem;margin-bottom:.8rem;transition:.2s}
.faq details[open]{box-shadow:var(--shadow);border-color:#cfe9df}
.faq summary{cursor:pointer;list-style:none;padding:1.15rem 0;font-weight:700;font-family:"Plus Jakarta Sans",sans-serif;display:flex;justify-content:space-between;gap:1rem;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.6rem;color:var(--brand);transition:.2s;line-height:1}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .ans{padding:0 0 1.2rem;color:var(--muted)}
/* cta */
.cta{background:linear-gradient(135deg,#0b2d55,#0a8f6a);border-radius:32px;padding:4rem 2rem;text-align:center;color:#fff;position:relative;overflow:hidden}
.cta h2{color:#fff}.cta p{color:#d6efe7;max-width:620px;margin:0 auto 1.8rem}
.cta::before,.cta::after{content:"";position:absolute;width:320px;height:320px;border-radius:50%;background:rgba(255,255,255,.07)}
.cta::before{left:-100px;top:-120px}.cta::after{right:-80px;bottom:-140px}
.cta>*{position:relative}
.cta .btn-primary{background:#fff;color:var(--brand-d);box-shadow:0 12px 28px rgba(0,0,0,.2)}
/* page hero */
.page-hero{background:linear-gradient(160deg,#0a1f3e,#0b2d55);color:#fff;padding:3.5rem 0 4.5rem;position:relative;overflow:hidden}
.page-hero h1{color:#fff;font-size:clamp(2rem,4.4vw,3.1rem)}
.page-hero .lead{color:#c5d6ee;max-width:680px}
.crumbs{font-size:.88rem;color:#9fb6d6;margin-bottom:1.2rem}
.crumbs a{color:#cfe0f5}
.crumbs span{margin:0 .5em}
.ph-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:3rem;align-items:center}
/* prose */
.prose h2{margin-top:2.2em;font-size:1.8rem}
.prose h3{margin-top:1.6em}
.prose p,.prose li{color:#33465f}
.prose ul,.prose ol{margin:0 0 1.2em}
.prose li{margin:.35em 0}
.callout{background:var(--brand-l);border-left:5px solid var(--brand);padding:1.2rem 1.4rem;border-radius:0 14px 14px 0;margin:1.6rem 0;color:#14503f}
.callout.warn{background:#fff7e6;border-color:var(--gold);color:#6a4a07}
.layout{display:grid;grid-template-columns:1fr 340px;gap:3rem;align-items:start}
.aside{position:sticky;top:96px;display:grid;gap:1.2rem}
.aside .card{padding:1.5rem}
/* forms */
.form-card{background:#fff;border:1px solid var(--line);border-radius:26px;padding:2.2rem;box-shadow:var(--shadow)}
.field{display:flex;flex-direction:column;gap:.4rem;margin-bottom:1.1rem}
.field label{font-weight:600;font-size:.93rem}
.field input,.field select,.field textarea{font:inherit;padding:.85em 1em;border:1.5px solid #d3deec;border-radius:12px;background:#fff;color:var(--ink);transition:.15s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 4px rgba(14,164,122,.16)}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:0 1.2rem}
.hint{font-size:.82rem;color:var(--muted)}
.prog{display:flex;gap:.5rem;margin-bottom:1.8rem}
.prog i{flex:1;height:6px;border-radius:9px;background:#e1e9f3;transition:.3s}
.prog i.on{background:var(--brand)}
.fstep{display:none}.fstep.active{display:block;animation:fade .35s}
@keyframes fade{from{opacity:0;transform:translateY(8px)}}
.fnav{display:flex;justify-content:space-between;gap:1rem;margin-top:1.4rem}
.consent{display:flex;gap:.7em;font-size:.88rem;color:var(--muted);align-items:flex-start;margin:.8rem 0}
.consent input{margin-top:.3em}
.success{display:none;text-align:center;padding:2rem 0}
.success .ico{margin:0 auto 1.2rem;width:76px;height:76px;border-radius:50%}
.success .ico svg{width:38px;height:38px}
/* calculator */
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:2rem;background:#fff;border:1px solid var(--line);border-radius:28px;padding:2.2rem;box-shadow:var(--shadow)}
.calc output{font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:1.8rem}
.result{background:linear-gradient(160deg,#0a1f3e,#0b2d55);color:#fff;border-radius:22px;padding:2rem}
.result .big{font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:3rem;line-height:1;margin:.2em 0 1.2rem}
.result dl{margin:0;display:grid;gap:.7rem}
.result dl div{display:flex;justify-content:space-between;border-top:1px solid rgba(255,255,255,.14);padding-top:.7rem;color:#c5d6ee}
.result dd{margin:0;color:#fff;font-weight:700}
/* blog */
.post-card .media{border-radius:0;box-shadow:none}
.post-card{padding:0;overflow:hidden;display:flex;flex-direction:column}
.post-card .body{padding:1.5rem}
.meta{font-size:.82rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;font-weight:600;margin-bottom:.5rem}
.post-card h3 a{color:var(--ink)}
.tag{display:inline-block;background:var(--brand-l);color:var(--brand-d);border-radius:99px;font-size:.75rem;font-weight:700;padding:.25em .8em;margin-right:.4em}
/* footer */
.site-footer{background:#07152b;color:#a9bbd4;padding:4.5rem 0 2rem;font-size:.95rem}
.site-footer h4{color:#fff;font-size:1rem;margin-bottom:1em}
.site-footer a{color:#a9bbd4}
.site-footer a:hover{color:#fff}
.fgrid4{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:2.5rem}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:.55em 0}
.site-footer .logo{color:#fff}
.disc{border-top:1px solid rgba(255,255,255,.1);margin-top:3rem;padding-top:1.8rem;font-size:.8rem;line-height:1.7;color:#8ba0bd}
.copy{display:flex;justify-content:space-between;flex-wrap:wrap;gap:1rem;margin-top:1.2rem;font-size:.85rem}
.contact-li{display:flex;gap:.7em;align-items:flex-start;margin:.7em 0}
.contact-li svg{width:18px;height:18px;margin-top:.25em;color:#5eead4;flex:none}
/* reveal */
.js .reveal{opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s ease}
.js .reveal.in{opacity:1;transform:none}
.timeline-svg{width:100%;height:auto}
@media(max-width:1020px){
 .hero-grid,.split,.ph-grid,.layout,.calc{grid-template-columns:1fr}
 .split.rev>:first-child{order:0}
 .g4,.steps,.stats,.trust-grid{grid-template-columns:repeat(2,1fr)}
 .g3{grid-template-columns:repeat(2,1fr)}
 .aside{position:static}
 .fgrid4{grid-template-columns:1fr 1fr}
 .chip.c1{left:2%}.chip.c2{right:2%}
}
@media(max-width:900px){
 .burger{display:block}
 .nav{position:fixed;inset:74px 0 0 0;background:#fff;flex-direction:column;align-items:stretch;padding:1.2rem;gap:.2rem;overflow:auto;transform:translateX(100%);transition:.25s}
 .nav.open{transform:none}
 .nav>a,.nav .dd-btn{font-size:1.05rem;text-align:left;padding:.9em}
 .dd{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;padding:0 0 0 .6rem;min-width:0}
 .nav-cta{margin:1rem 0 0!important;justify-content:center}
}
@media(max-width:640px){
 body{font-size:16px}
 section{padding:3.8rem 0}
 .g2,.g3,.g4,.steps,.stats,.trust-grid,.fgrid,.fgrid4{grid-template-columns:1fr}
 .hero{padding:3rem 0 5.5rem}
 .topbar .container{justify-content:center}
 .topbar .tb-r{display:none}
 .chip{display:none}
 .timeline-svg{display:none}
 .form-card,.calc{padding:1.4rem}
}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.js .reveal{opacity:1;transform:none}}
.page-hero .wave{position:absolute;bottom:-1px;left:0}
.field input[type=range]{padding:0;border:0;height:8px;background:linear-gradient(90deg,var(--brand) var(--p,20%),#dbe4ef var(--p,20%));box-shadow:none}

.logo .wm{display:flex;flex-direction:column;gap:3px;line-height:1}
.logo .wm b{font-size:1.4rem;font-weight:800;letter-spacing:-.025em}
.logo .wm small{display:block;margin:0;font-size:.58rem;letter-spacing:.2em;white-space:nowrap;text-align:justify;text-align-last:justify;width:100%}

.logo .wm{gap:5px}
.logo .wm b{font-family:"Cormorant Garamond","Playfair Display",Georgia,serif;font-size:1.95rem;font-weight:700;letter-spacing:.01em;line-height:.9;color:var(--navy)}
.logo .wm small{font-family:"Inter",sans-serif;font-weight:600;font-size:.55rem;letter-spacing:.34em;color:#b88a2e;text-transform:uppercase}
.site-footer .logo .wm b{color:#fff}
.site-footer .logo .wm small{color:#e3c27a}
.logo .wm small{text-align:left;text-align-last:left;width:auto;letter-spacing:.3em}

.steps{gap:1.6rem}
.step{padding:0;overflow:visible;transition:.25s}
.step:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:#cfe9df}
.step::before{top:14px;left:14px;z-index:2;width:34px;height:34px;box-shadow:0 6px 14px rgba(14,164,122,.4)}
.step .art{background:linear-gradient(160deg,#e6f9f1 0%,#dcecfb 100%);border-radius:var(--radius) var(--radius) 0 0;overflow:hidden;aspect-ratio:240/150}
.step .art-svg{width:100%;height:100%;display:block}
.step .tx{padding:1.3rem 1.5rem 1.7rem}
.step .tx h3{margin-bottom:.4em}
.step:not(:last-child)::after{content:"";position:absolute;z-index:3;right:-1.35rem;top:calc(((100% - 8rem) * 0) + 62px);width:30px;height:30px;border-radius:50%;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230a8f6a' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12h14M13 6l6 6-6 6'/%3E%3C/svg%3E") center/15px no-repeat;box-shadow:0 6px 16px rgba(10,27,51,.15)}
@media(max-width:1020px){.step:not(:last-child)::after{display:none}}
.post-card .body{display:flex;flex-direction:column;flex:1;gap:.55rem;padding:1.5rem}
.post-card .meta{display:flex;flex-wrap:wrap;align-items:center;gap:.35rem .7rem;margin:0;white-space:nowrap}
.post-card .meta .tag{margin:0}
.post-card h3{margin:0;min-height:2.3em;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
.post-card p{margin:0;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden;min-height:4.95em}
.post-card .more{margin-top:auto;padding-top:.6rem}
.post-card .meta{flex-direction:column;align-items:flex-start;gap:.5rem}

.hero-bgphoto{padding:4.2rem 0 2.2rem;background:#0a1f3e}
.hero-bgphoto .hero-photo{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:78% 35%}
.hero-bgphoto .hero-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,26,52,.55) 0%,rgba(8,26,52,.15) 50%,rgba(8,26,52,0) 70%)}
.hero-bgphoto .hero-copy{position:relative;z-index:2;max-width:none}
.hero-bgphoto .hero-copy>*{max-width:640px}
.hero-bgphoto h1{margin-top:.3rem}
.hero-bgphoto .trust{position:relative;z-index:3;margin-top:2.6rem}
.hero-bgphoto .trust-grid{box-shadow:0 18px 50px rgba(0,0,0,.28)}
.trust-item+.trust-item{border-left:1px solid var(--line);padding-left:1.2rem}
@media(max-width:900px){
 .hero-bgphoto .hero-photo{object-position:70% center}
 .hero-bgphoto .hero-shade{background:linear-gradient(180deg,rgba(8,26,52,.82) 0%,rgba(8,26,52,.7) 55%,rgba(8,26,52,.9) 100%)}
 .trust-item+.trust-item{border-left:0;padding-left:.8rem}
}
.hero-bgphoto{padding:2.8rem 0 1.8rem}
.hero-bgphoto h1{font-size:clamp(2.1rem,4vw,3.15rem);margin-bottom:.4em}
.hero-bgphoto .lead{font-size:1.1rem;margin-bottom:0}
.hero-bgphoto .quick{margin-top:1.2rem;padding:1.15rem 1.4rem;max-width:560px}
.hero-bgphoto .quick .amt{font-size:2.2rem}
.hero-bgphoto .hero-badges{margin-top:1rem}
.hero-bgphoto .trust{margin-top:1.6rem}
.hero-bgphoto .trust-grid{padding:1rem}
.hero .trust-item b{color:var(--ink)}
.hero .trust-item span{color:var(--muted)}

.hero-bgphoto h1{font-size:clamp(2rem,3.7vw,2.95rem)}
.hero-bgphoto .brand-line{font-family:"Cormorant Garamond","Playfair Display",Georgia,serif;font-weight:700;color:#fff;font-size:1.12em;letter-spacing:.005em;white-space:nowrap}
.hero-bgphoto h1{font-family:"Cormorant Garamond","Playfair Display",Georgia,"Times New Roman",serif;font-weight:700;font-size:clamp(2.5rem,4.9vw,4rem);line-height:1.02;letter-spacing:-.005em;font-variant-numeric:lining-nums;text-wrap:balance;margin-bottom:.45em}
.hero-bgphoto .brand-line{display:block;font-family:inherit;font-size:1em;font-weight:700;color:#fff;white-space:normal}
.hero-bgphoto .lead{font-size:1.12rem;font-weight:400}
.hero-bgphoto h1{font-family:"Plus Jakarta Sans","Inter",sans-serif;font-weight:800;font-size:clamp(2.1rem,3.9vw,3.05rem);line-height:1.14;letter-spacing:-.022em;font-variant-numeric:normal;text-wrap:balance;margin-bottom:.45em}
.hero-bgphoto .brand-line{display:inline;font-family:inherit;font-size:1em;font-weight:800;color:#fff;letter-spacing:inherit}

.logo .wm b{font-family:"Playfair Display","Bodoni MT",Didot,Georgia,serif;font-size:1.5rem;font-weight:700;letter-spacing:.005em;line-height:1}
.logo .wm{gap:6px}
.logo .wm small{letter-spacing:.31em}

/* --- mobile drawer: never extends page width --- */
html,body{overflow-x:clip}
@media(max-width:900px){
 .nav{visibility:hidden;transition:transform .25s,visibility 0s .25s}
 .nav.open{visibility:visible;transition:transform .25s,visibility 0s}
}

/* drawer height must not depend on header (backdrop-filter makes header the containing block) */
@media(max-width:900px){
 .nav{position:absolute;top:100%;left:0;right:0;bottom:auto;inset:auto;inset-inline:0;top:100%;height:calc(100vh - 74px);height:calc(100dvh - 74px);z-index:60;box-shadow:0 20px 40px rgba(2,6,23,.15)}
}
.split-svg{width:100%;max-width:560px;height:auto;display:block;margin:1rem 0 .5rem}

/* grid children must be allowed to shrink so wide tables scroll inside their wrapper */
.layout>*,.grid>*,.prose,.container>*{min-width:0}
.tbl-wrap{max-width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}
.tbl-wrap .tbl{min-width:0}@media(max-width:520px){.tbl th,.tbl td{padding:.65rem .55rem;font-size:.86rem}}
@media(max-width:900px){.layout{grid-template-columns:minmax(0,1fr)}}

/* ===== Apply page ===== */
.apply-hero{padding-bottom:5rem}
.apply-badges{list-style:none;display:flex;flex-wrap:wrap;gap:.7rem 1.6rem;margin:1.6rem 0 0;padding:0}
.apply-badges li{display:flex;align-items:center;gap:.5rem;color:#d8e6f7;font-weight:600;font-size:.95rem}
.apply-badges svg{color:#5eead4;flex:none}
.apply-sec{background:#f4f8fc;padding:1rem 0 5rem}
.apply-layout{grid-template-columns:minmax(0,1fr) 340px;margin-top:-2.2rem;position:relative;z-index:2}
.apply-frame{background:#fff;border-radius:26px;box-shadow:0 30px 70px -28px rgba(10,31,62,.35),0 0 0 1px rgba(10,31,62,.06);overflow:hidden;border-top:5px solid transparent;background-image:linear-gradient(#fff,#fff),linear-gradient(90deg,#0ea47a,#2dd4bf,#0b2d55);background-origin:border-box;background-clip:padding-box,border-box}
.apply-frame-head{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:1.4rem 1.8rem;background:linear-gradient(180deg,#f7fbfa,#fff);border-bottom:1px solid var(--line)}
.afh-l{display:flex;align-items:center;gap:.9rem}
.afh-ico{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:13px;background:#dff7ee;color:#0a8f6a;flex:none}
.afh-l h2{font-size:1.2rem;margin:0}
.afh-l p{margin:.15rem 0 0;color:var(--muted,#64748b);font-size:.9rem}
.secure-pill{display:inline-flex;align-items:center;gap:.35rem;background:#e8f8f2;color:#0a7a5a;font-weight:700;font-size:.8rem;padding:.4rem .8rem;border-radius:999px;white-space:nowrap}
.apply-frame-body{padding:1.8rem;min-height:420px}
.apply-frame-foot{padding:1rem 1.8rem;background:#f8fafc;border-top:1px solid var(--line);font-size:.84rem;color:#64748b}
.apply-frame-foot p{margin:0;display:flex;gap:.5rem;align-items:flex-start}
.apply-frame-foot svg{flex:none;margin-top:.15rem;color:#0a8f6a}
.apply-disc{font-size:.82rem;color:#64748b;margin:1.2rem .4rem 0;line-height:1.6}
#_lg_form_{min-width:0}
.lg-loading{text-align:center;padding:2rem 0}
.lg-loading p{color:#64748b;margin:.8rem 0 1.6rem}
.lg-spin{width:38px;height:38px;border-radius:50%;border:4px solid #d9efe7;border-top-color:#0ea47a;margin:0 auto;animation:lgspin 1s linear infinite}
@keyframes lgspin{to{transform:rotate(360deg)}}
.lg-skel{display:grid;gap:.9rem;max-width:480px;margin:0 auto}
.lg-skel i{display:block;height:46px;border-radius:12px;background:linear-gradient(90deg,#eef2f7 25%,#f8fafc 50%,#eef2f7 75%);background-size:200% 100%;animation:lgsh 1.4s infinite}
@keyframes lgsh{to{background-position:-200% 0}}
.lg-fallback{text-align:center;padding:2rem 1rem;background:#fff8e8;border:1px solid #f3dca0;border-radius:16px}
.lg-fallback .btn{margin:.3rem}
.lg-noscript{background:#fff8e8;border:1px solid #f3dca0;border-radius:12px;padding:1rem}
.apply-steps{list-style:none;margin:1rem 0 0;padding:0;display:grid;gap:1.1rem;position:relative}
.apply-steps li{display:flex;gap:.9rem;align-items:flex-start;position:relative}
.apply-steps li:not(:last-child)::after{content:"";position:absolute;left:15px;top:34px;bottom:-1rem;width:2px;background:#d6efe6}
.apply-steps .n{flex:none;width:32px;height:32px;border-radius:50%;background:linear-gradient(135deg,#0ea47a,#0a8f6a);color:#fff;display:grid;place-items:center;font-weight:800;font-size:.9rem}
.apply-steps strong{display:block;font-size:.97rem}
.apply-steps p{margin:.15rem 0 0;font-size:.88rem;color:#64748b}
.apply-help .afh-ico{margin-bottom:.6rem}
.apply-aside{top:92px}
@media(max-width:900px){.apply-layout{grid-template-columns:minmax(0,1fr);margin-top:-2rem}.apply-frame-body{padding:1.2rem}.apply-frame-head{padding:1.1rem 1.2rem}.apply-frame-foot{padding:1rem 1.2rem}.secure-pill{display:none}}
.apply-frame{border-top:0;background:#fff;background-image:none}
.apply-frame::before{content:"";display:block;height:5px;background:linear-gradient(90deg,#0ea47a,#2dd4bf,#0b2d55)}

/* quick-facts box (also helps search engines and AI assistants quote accurate figures) */
.facts{background:#fff;border:1px solid var(--line);border-radius:22px;padding:1.8rem 2rem;box-shadow:var(--shadow)}
.facts h2{font-size:1.4rem;margin:0 0 1rem}
.facts dl{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.2rem 2rem;margin:0}
.facts dl>div{padding:.7rem 0;border-bottom:1px solid var(--line)}
.facts dt{font-size:.78rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:#0a8f6a}
.facts dd{margin:.15rem 0 0;font-weight:600;color:var(--ink)}
@media(max-width:700px){.facts{padding:1.3rem}.facts dl{grid-template-columns:minmax(0,1fr)}}

/* closed mobile drawer: hide every descendant too (children had their own visibility:visible) */
@media(max-width:900px){
 .nav:not(.open),.nav:not(.open) *{visibility:hidden!important}
}

/* decorative circles in the CTA box must sit behind the content and never capture clicks */
.cta::before,.cta::after{pointer-events:none;z-index:0}
.cta>*{position:relative;z-index:1}