:root {
  --navy: #083660;
  --navy-deep: #052948;
  --navy-soft: #0f4f87;
  --green: #4d773c;
  --green-deep: #355b2d;
  --green-soft: #eef4e9;
  --gold: #dfa51f;
  --gold-deep: #bd7f10;
  --cream: #fbfaf5;
  --cream-warm: #f5f0e3;
  --white: #ffffff;
  --ink: #203248;
  --muted: #647183;
  --line: #d9dfd8;
  --shadow: 0 20px 60px rgba(8, 54, 96, 0.12);
  --radius: 22px;
  --container: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--cream);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
.container { width: min(var(--container), calc(100% - 40px)); margin-inline: auto; }
.section { padding: 96px 0; }
.section-soft { background: linear-gradient(180deg, #f2f6ee 0%, #fbfaf5 100%); }

.skip-link {
  position: fixed; left: 16px; top: -80px; z-index: 9999; background: var(--gold); color: var(--navy-deep);
  padding: 10px 14px; border-radius: 8px; font-weight: 800;
}
.skip-link:focus { top: 16px; }

.topbar { background: var(--navy-deep); color: #eff6fb; font-size: .86rem; }
.topbar-inner { min-height: 38px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.topbar-links { display: flex; align-items: center; gap: 10px; }
.topbar a:hover { color: #ffd66f; }

.site-header { position: sticky; top: 0; z-index: 1000; }
.nav { background: rgba(251, 250, 245, .94); border-bottom: 1px solid rgba(8,54,96,.08); backdrop-filter: blur(16px); }
.nav-inner { min-height: 82px; display: flex; align-items: center; justify-content: space-between; gap: 26px; }
.brand { display: inline-flex; align-items: center; gap: 10px; color: var(--navy); min-width: 0; }
.brand-mark {
  width: 46px; height: 46px; display: grid; place-items: center; border-radius: 50%; background: var(--navy); color: white;
  font: 700 1.9rem Georgia, serif; position: relative; box-shadow: inset 0 0 0 3px rgba(255,255,255,.25);
}
.brand-mark::after { content: ""; width: 17px; height: 9px; border-radius: 100% 0 100% 0; background: var(--green); position: absolute; right: -2px; bottom: 7px; transform: rotate(-28deg); }
.brand-copy { display: grid; line-height: 1; }
.brand-copy strong { font: 700 1.14rem Georgia, serif; letter-spacing: .08em; }
.brand-copy small { margin-top: 6px; color: var(--green); font-size: .63rem; letter-spacing: .24em; font-weight: 800; }
.nav-links { display: flex; align-items: center; gap: 26px; color: #33445a; font-weight: 700; font-size: .94rem; }
.nav-links > a:not(.button):hover { color: var(--green); }
.menu-toggle { display: none; width: 44px; height: 42px; padding: 10px; border: 0; background: transparent; }
.menu-toggle span { display: block; height: 2px; background: var(--navy); margin: 5px 0; border-radius: 2px; }

.button {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 50px; padding: 0 22px;
  border-radius: 999px; font-weight: 850; border: 2px solid transparent; transition: .2s ease; letter-spacing: .01em;
}
.button:hover { transform: translateY(-2px); }
.button-sm { min-height: 42px; padding: 0 18px; }
.button-gold { background: linear-gradient(135deg, #f2bc3d, var(--gold)); color: var(--navy-deep); box-shadow: 0 10px 24px rgba(223,165,31,.22); }
.button-gold:hover { background: #f0b632; box-shadow: 0 14px 30px rgba(223,165,31,.28); }
.button-outline { border-color: rgba(255,255,255,.58); color: white; background: rgba(255,255,255,.06); }
.button-outline:hover { background: rgba(255,255,255,.12); }
.button-light { background: white; color: var(--navy); }
.button-full { width: 100%; border: 0; }

.hero {
  min-height: 720px; display: flex; align-items: center; overflow: hidden; position: relative;
  background: radial-gradient(circle at 88% 12%, rgba(238,177,44,.2), transparent 28%), linear-gradient(125deg, var(--navy-deep) 0%, var(--navy) 52%, #0d4c62 100%);
  color: white;
}
.hero::after { content:""; position:absolute; inset:auto 0 0; height:10px; background:linear-gradient(90deg,var(--green),#7ea858,var(--gold),var(--green)); opacity:.9; }
.hero-orb { position: absolute; border-radius: 50%; filter: blur(1px); pointer-events: none; }
.hero-orb-one { width: 440px; height: 440px; background: rgba(88,137,67,.18); left: -210px; top: 80px; }
.hero-orb-two { width: 360px; height: 360px; background: rgba(241,184,50,.10); right: -180px; bottom: -40px; }
.hero-grid { display: grid; grid-template-columns: .92fr 1.08fr; gap: 68px; align-items: center; padding: 82px 0 88px; position: relative; z-index: 2; }
.eyebrow { display: inline-block; color: var(--gold); font-weight: 900; text-transform: uppercase; letter-spacing: .16em; font-size: .78rem; margin-bottom: 16px; }
.hero h1, h2 { font-family: Georgia, "Times New Roman", serif; color: var(--navy-deep); line-height: 1.05; margin: 0 0 20px; }
.hero h1 { color: white; font-size: clamp(3rem, 5vw, 5.3rem); max-width: 760px; letter-spacing: -.035em; }
.hero h1 span { color: #f2bd48; }
.hero-lede { font-size: 1.16rem; color: #e8f0f5; max-width: 650px; margin: 0 0 32px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; }
.hero-trust { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 38px; }
.hero-trust div { border-left: 2px solid rgba(242,189,72,.72); padding-left: 14px; }
.hero-trust strong, .hero-trust span { display: block; }
.hero-trust strong { font-size: 1rem; }
.hero-trust span { color: #bed0dc; font-size: .82rem; margin-top: 2px; }
.hero-logo-card {
  border-radius: 32px; padding: 18px 18px 16px; background: radial-gradient(circle at 70% 18%, rgba(255,190,54,.14), transparent 38%), rgba(3,22,39,.46);
  border: 1px solid rgba(255,255,255,.16); box-shadow: 0 30px 80px rgba(0,0,0,.28); overflow: hidden;
}
.hero-logo-card img { width: 100%; border-radius: 24px; }
.hero-note { text-align: center; padding: 12px 10px 2px; color: #dce8ee; font-family: Georgia, serif; font-style: italic; letter-spacing: .02em; }

.quick-strip { background: white; box-shadow: 0 16px 40px rgba(5,41,72,.08); position: relative; z-index: 3; }
.quick-strip-grid { display: grid; grid-template-columns: repeat(4,1fr); }
.quick-item { display: flex; align-items: center; gap: 14px; padding: 26px 20px; border-right: 1px solid #e5e9e4; }
.quick-item:last-child { border-right: 0; }
.quick-item p { margin: 0; font-size: .88rem; color: var(--muted); line-height: 1.35; }
.quick-item strong { color: var(--navy); font-size: .95rem; }
.quick-icon { flex: 0 0 auto; width: 50px; height: 50px; display: grid; place-items: center; border-radius: 50%; background: var(--green-soft); color: var(--green-deep); border: 1px solid #cfdcc8; font-weight: 900; }

.split-grid { display: grid; grid-template-columns: 1.35fr .65fr; gap: 70px; align-items: center; }
h2 { font-size: clamp(2.35rem, 4vw, 4rem); letter-spacing: -.025em; }
.lead { font-size: 1.13rem; color: #415368; }
.statement-card { background: var(--navy); color: white; padding: 36px; border-radius: var(--radius); box-shadow: var(--shadow); border-top: 5px solid var(--gold); }
.statement-kicker { text-transform: uppercase; letter-spacing: .14em; color: #c8d8e2; font-size: .74rem; font-weight: 900; }
.statement-card > strong { display: block; margin: 6px 0 10px; color: #f4c75f; font: 700 4rem Georgia, serif; line-height: 1; }
.statement-card > strong small { font-size: 1.2rem; color: white; }
.statement-card p { color: #e2ecf2; }
.statement-card a { color: #f2bd48; font-weight: 800; }

.section-heading { max-width: 780px; margin-bottom: 46px; }
.section-heading.centered { text-align: center; margin-inline: auto; }
.section-heading p { margin-top: -5px; color: var(--muted); font-size: 1.05rem; }
.eligibility-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; }
.feature-card { background: white; border: 1px solid #dde5dc; border-radius: 18px; padding: 28px; box-shadow: 0 10px 30px rgba(8,54,96,.05); }
.card-number { color: var(--gold-deep); font: 700 1rem Georgia, serif; letter-spacing: .08em; }
.feature-card h3 { color: var(--navy); font-size: 1.07rem; margin: 13px 0 8px; }
.feature-card p { margin: 0; color: var(--muted); font-size: .92rem; }
.notice { margin-top: 22px; padding: 17px 20px; border-radius: 14px; border: 1px solid #cbd9c4; background: #f7faf5; color: #4b5b48; }
.notice strong { color: var(--green-deep); }

.program-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 36px; }
.program-list { display: grid; gap: 20px; }
.program-row { display: grid; grid-template-columns: 44px 1fr; gap: 16px; align-items: start; padding: 24px; background: white; border: 1px solid #e0e5e4; border-radius: 18px; }
.program-row > span { width: 40px; height: 40px; display: grid; place-items: center; border-radius: 50%; background: var(--navy); color: white; font-weight: 900; box-shadow: inset 0 0 0 4px rgba(255,255,255,.12); }
.program-row h3 { margin: 1px 0 6px; color: var(--navy); font-size: 1.07rem; }
.program-row p { margin: 0; color: var(--muted); font-size: .92rem; }

.journey-section { color: white; background: linear-gradient(135deg, var(--green-deep), #426d37 48%, var(--navy)); }
.light-heading h2 { color: white; }
.light-heading .eyebrow { color: #ffd46e; }
.steps-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
.steps-grid article { background: rgba(255,255,255,.09); border: 1px solid rgba(255,255,255,.16); border-radius: 20px; padding: 30px; backdrop-filter: blur(8px); }
.steps-grid article > span { width: 46px; height: 46px; display: grid; place-items: center; border-radius: 50%; background: var(--gold); color: var(--navy-deep); font-weight: 900; }
.steps-grid h3 { margin: 18px 0 8px; font-size: 1.15rem; }
.steps-grid p { color: #e3ede1; margin: 0; }

.faq-wrap { display: grid; grid-template-columns: .75fr 1.25fr; gap: 70px; align-items: start; }
.faq-list { display: grid; gap: 12px; }
details { background: white; border: 1px solid #dfe6df; border-radius: 16px; padding: 0 20px; }
summary { list-style: none; cursor: pointer; padding: 20px 40px 20px 0; font-weight: 850; color: var(--navy); position: relative; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; position: absolute; right: 0; top: 16px; width: 30px; height: 30px; display: grid; place-items: center; border-radius: 50%; background: var(--green-soft); color: var(--green-deep); font-size: 1.3rem; }
details[open] summary::after { content: "–"; }
details p { margin: -4px 0 20px; color: var(--muted); }

.contact-section { background: var(--cream); }
.contact-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 64px; align-items: start; }
.contact-methods { display: grid; gap: 12px; margin: 32px 0; }
.contact-methods > a, .contact-location { display: flex; gap: 14px; align-items: center; padding: 14px 0; border-bottom: 1px solid var(--line); }
.contact-methods > a > span, .contact-location > span { width: 42px; height: 42px; display: grid; place-items: center; background: var(--navy); color: white; border-radius: 50%; }
.contact-methods small, .contact-methods strong, .contact-location small, .contact-location strong { display: block; }
.contact-methods small, .contact-location small { color: var(--muted); font-size: .76rem; text-transform: uppercase; letter-spacing: .09em; }
.contact-methods strong, .contact-location strong { color: var(--navy); font-size: .94rem; overflow-wrap: anywhere; }
.privacy-note { font-size: .84rem; color: var(--muted); background: #f2f4ef; padding: 14px 16px; border-radius: 12px; border-left: 4px solid var(--green); }

.interest-form { background: white; border: 1px solid #dce3dc; border-radius: 24px; padding: 34px; box-shadow: var(--shadow); }
.form-heading { margin-bottom: 24px; }
.form-heading h3 { margin: 0; color: var(--navy); font: 700 1.8rem Georgia, serif; }
.form-heading p { margin: 3px 0 0; color: var(--muted); font-size: .86rem; }
.form-grid.two-col { display: grid; grid-template-columns: repeat(2,1fr); gap: 18px; }
.interest-form label { display: grid; gap: 7px; color: #34475c; font-weight: 750; font-size: .88rem; margin-bottom: 18px; }
.interest-form input, .interest-form select, .interest-form textarea { width: 100%; border: 1px solid #cfd8d3; border-radius: 11px; background: #fcfcfa; color: var(--ink); padding: 12px 13px; outline: none; transition: .2s ease; }
.interest-form input, .interest-form select { min-height: 48px; }
.interest-form textarea { resize: vertical; min-height: 120px; }
.interest-form input:focus, .interest-form select:focus, .interest-form textarea:focus { border-color: var(--green); box-shadow: 0 0 0 3px rgba(77,119,60,.12); }
.checkbox-label { grid-template-columns: 20px 1fr !important; gap: 11px !important; align-items: start; font-weight: 600 !important; color: var(--muted) !important; }
.checkbox-label input { width: 18px; min-height: 18px; height: 18px; margin-top: 3px; accent-color: var(--green); }
.honeypot { display: none !important; }
.form-status { margin-top: 14px; min-height: 22px; font-weight: 750; font-size: .9rem; }
.form-status.success { color: #2f6b38; }
.form-status.error { color: #a23f35; }
.form-disclaimer { color: var(--muted); font-size: .78rem; margin: 12px 0 0; text-align: center; }

.final-cta { background: var(--navy); color: white; padding: 54px 0; border-top: 5px solid var(--gold); }
.final-cta-inner { display: flex; justify-content: space-between; align-items: center; gap: 30px; }
.final-cta h2 { color: white; margin: 0; font-size: clamp(2.2rem,4vw,3.4rem); }
.final-cta .eyebrow { margin-bottom: 8px; }
.final-actions { display: flex; flex-wrap: wrap; gap: 12px; }

.footer { background: #041f36; color: #c9d6df; padding: 58px 0 24px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr .6fr 1fr; gap: 60px; }
.brand-footer { color: white; }
.footer-brand p { max-width: 520px; color: #aebfca; }
.footer h3 { color: white; font-size: .94rem; text-transform: uppercase; letter-spacing: .1em; margin: 3px 0 14px; }
.footer-grid > div:not(.footer-brand) { display: flex; flex-direction: column; align-items: flex-start; gap: 8px; }
.footer a:hover { color: #ffd66f; }
.footer-bottom { margin-top: 42px; border-top: 1px solid rgba(255,255,255,.1); padding-top: 20px; display: flex; justify-content: space-between; gap: 26px; font-size: .76rem; color: #91a5b4; }

@media (max-width: 1020px) {
  .nav-links { gap: 16px; }
  .hero-grid { grid-template-columns: 1fr; gap: 34px; }
  .hero-copy { max-width: 780px; }
  .hero-logo-card { max-width: 760px; }
  .quick-strip-grid { grid-template-columns: repeat(2,1fr); }
  .quick-item:nth-child(2) { border-right: 0; }
  .quick-item:nth-child(-n+2) { border-bottom: 1px solid #e5e9e4; }
  .eligibility-grid { grid-template-columns: repeat(2,1fr); }
  .faq-wrap, .contact-grid { grid-template-columns: 1fr; gap: 42px; }
  .faq-wrap .section-heading { margin-bottom: 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 820px) {
  .topbar-inner { justify-content: center; text-align: center; }
  .topbar-inner > span { display: none; }
  .menu-toggle { display: block; }
  .nav-links { display: none; position: absolute; left: 20px; right: 20px; top: calc(100% + 8px); background: white; border: 1px solid #dfe4df; border-radius: 18px; padding: 16px; box-shadow: var(--shadow); flex-direction: column; align-items: stretch; gap: 2px; }
  .nav-links.open { display: flex; }
  .nav-links > a { padding: 11px 12px; }
  .nav-links .button { margin-top: 8px; }
  .hero { min-height: auto; }
  .hero-grid { padding-top: 64px; }
  .hero h1 { font-size: clamp(2.8rem, 12vw, 4.7rem); }
  .hero-trust { grid-template-columns: 1fr; gap: 16px; }
  .split-grid { grid-template-columns: 1fr; gap: 34px; }
  .program-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .final-cta-inner { align-items: flex-start; flex-direction: column; }
}

@media (max-width: 600px) {
  .container { width: min(100% - 28px, var(--container)); }
  .section { padding: 72px 0; }
  .nav-inner { min-height: 70px; }
  .brand-mark { width: 42px; height: 42px; font-size: 1.7rem; }
  .brand-copy strong { font-size: .98rem; }
  .brand-copy small { font-size: .55rem; }
  .topbar-links { font-size: .8rem; }
  .hero-grid { padding: 52px 0 66px; }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-actions .button { width: 100%; }
  .quick-strip-grid { grid-template-columns: 1fr; }
  .quick-item { border-right: 0; border-bottom: 1px solid #e5e9e4; }
  .quick-item:last-child { border-bottom: 0; }
  .eligibility-grid { grid-template-columns: 1fr; }
  .feature-card, .program-row { padding: 22px; }
  .form-grid.two-col { grid-template-columns: 1fr; gap: 0; }
  .interest-form { padding: 24px 18px; }
  .statement-card { padding: 28px; }
  .statement-card > strong { font-size: 3.2rem; }
  .footer-grid { grid-template-columns: 1fr; gap: 34px; }
  .footer-brand { grid-column: auto; }
  .footer-bottom { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
}