:root {
  --navy-950: #031d32;
  --navy-900: #062b49;
  --navy-800: #0a3a5e;
  --teal-700: #087d87;
  --teal-600: #0f96a0;
  --gold-500: #f6b934;
  --gold-400: #ffc94f;
  --ink: #12283b;
  --muted: #607486;
  --line: #dce6eb;
  --wash: #f4f8fa;
  --white: #fff;
  --shadow: 0 18px 50px rgba(3, 29, 50, .12);
  --radius: 18px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font: 16px/1.55 Arial, Helvetica, sans-serif;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a { color: inherit; }
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
.container { width: min(1160px, calc(100% - 40px)); margin: 0 auto; }
.skip-link { position: fixed; left: 12px; top: -60px; z-index: 100; background: #fff; padding: 10px 14px; }
.skip-link:focus { top: 12px; }

.site-header { position: sticky; top: 0; z-index: 50; background: var(--navy-900); color: #fff; box-shadow: 0 4px 18px rgba(0,0,0,.16); }
.nav-row { min-height: 82px; display: flex; align-items: center; gap: 30px; }
.brand { flex: 0 0 292px; display: inline-flex; align-items: center; height: 56px; overflow: hidden; }
.brand img { width: 285px; height: 66px; object-fit: cover; object-position: center; }
.nav-links { margin-left: auto; display: flex; align-items: center; gap: 30px; }
.nav-links a { color: #fff; text-decoration: none; font-weight: 700; font-size: 15px; white-space: nowrap; }
.nav-links a:hover, .nav-links a:focus-visible, .nav-links a[aria-current="page"] { color: var(--gold-400); }
.nav-actions { display: flex; align-items: center; gap: 12px; margin-left: 8px; }
.menu-toggle { display: none; border: 1px solid rgba(255,255,255,.35); background: transparent; color: #fff; width: 46px; height: 46px; border-radius: 10px; padding: 0; cursor: pointer; }
.menu-toggle span, .menu-toggle span::before, .menu-toggle span::after { display: block; width: 22px; height: 2px; background: currentColor; position: relative; margin: auto; content: ""; }
.menu-toggle span::before { position: absolute; top: -7px; }
.menu-toggle span::after { position: absolute; top: 7px; }
.btn {
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 0;
  border-radius: 10px;
  padding: 0 24px;
  text-decoration: none;
  font-weight: 800;
  cursor: pointer;
  transition: transform .18s ease, background .18s ease, border-color .18s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { color: var(--navy-950) !important; background: var(--gold-500); }
.btn-primary:hover { background: var(--gold-400); }
.btn-secondary { color: #fff !important; background: transparent; border: 1px solid rgba(255,255,255,.65); }
.btn-dark { color: #fff; background: var(--navy-900); }
.btn-block { width: 100%; }

.hero { background: var(--navy-900); color: #fff; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: .94fr 1.06fr; min-height: 530px; }
.hero-copy { padding: 78px 54px 72px max(40px, calc((100vw - 1160px)/2)); display: flex; flex-direction: column; justify-content: center; }
.eyebrow { margin: 0 0 14px; color: #76d5d8; font-size: 13px; font-weight: 800; letter-spacing: .15em; text-transform: uppercase; }
.hero h1 { margin: 0; max-width: 650px; font-size: clamp(48px, 5vw, 72px); line-height: 1.04; letter-spacing: -.035em; }
.hero-copy > p:not(.eyebrow) { max-width: 540px; margin: 24px 0 30px; color: #e3edf2; font-size: 20px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-note { margin-top: 17px; color: #bcd0da; font-size: 13px; }
.hero-media { position: relative; min-width: 0; }
.hero-media::after { position: absolute; inset: 0; content: ""; background: linear-gradient(90deg, var(--navy-900) 0, rgba(6,43,73,.34) 20%, transparent 55%); pointer-events: none; }
.hero-media img { width: 100%; height: 100%; object-fit: cover; object-position: 64% center; }

.section { padding: 82px 0; }
.section-soft { background: var(--wash); }
.section-dark { background: var(--navy-950); color: #fff; }
.section-head { max-width: 720px; margin-bottom: 38px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section h2, .page-hero h1 { margin: 0; color: var(--navy-900); font-size: clamp(34px, 4vw, 50px); line-height: 1.1; letter-spacing: -.025em; }
.section-dark h2 { color: #fff; }
.section-head p { margin: 16px 0 0; color: var(--muted); font-size: 18px; }
.section-dark .section-head p { color: #bfd0d9; }

.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.step { position: relative; min-width: 0; padding: 34px 32px; border-right: 1px solid var(--line); }
.step:last-child { border-right: 0; }
.step-number { width: 38px; height: 38px; display: grid; place-items: center; border-radius: 50%; background: var(--teal-700); color: #fff; font-weight: 800; }
.step img { width: 100%; height: 150px; margin: 20px 0; object-fit: contain; }
.step h3 { margin: 0 0 8px; color: var(--navy-900); font-size: 22px; }
.step p { margin: 0; color: var(--muted); }

.trust-strip { margin-top: 28px; display: grid; grid-template-columns: 1.1fr .9fr; gap: 28px; align-items: center; padding: 28px 32px; background: #edf6f7; border-left: 4px solid var(--teal-700); border-radius: 12px; }
.trust-strip h3 { margin: 0 0 5px; color: var(--navy-900); }
.trust-strip p { margin: 0; color: var(--muted); }
.trust-strip .btn { justify-self: end; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 54px; align-items: start; }
.feature-list { margin: 26px 0 0; padding: 0; list-style: none; }
.feature-list li { padding: 18px 0 18px 32px; position: relative; border-bottom: 1px solid var(--line); }
.feature-list li::before { position: absolute; left: 0; top: 22px; content: "✓"; width: 20px; height: 20px; display: grid; place-items: center; border-radius: 50%; background: var(--teal-700); color: #fff; font-size: 12px; font-weight: 800; }
.callout { padding: 34px; border-radius: var(--radius); background: var(--navy-900); color: #fff; }
.callout h3 { margin: 0 0 10px; font-size: 30px; }
.callout p { color: #c9d9e0; }
.callout .btn { margin-top: 10px; }

.faq-list { display: grid; gap: 12px; }
.faq-list details { background: #fff; border: 1px solid var(--line); border-radius: 12px; overflow: hidden; }
.faq-list summary { padding: 20px 56px 20px 22px; color: var(--navy-900); font-weight: 800; cursor: pointer; list-style: none; position: relative; }
.faq-list summary::after { position: absolute; right: 22px; content: "+"; font-size: 24px; line-height: 1; color: var(--teal-700); }
.faq-list details[open] summary::after { content: "−"; }
.faq-list details p { margin: 0; padding: 0 22px 22px; color: var(--muted); max-width: 850px; }

.page-hero { padding: 72px 0 68px; background: var(--navy-900); color: #fff; }
.page-hero h1 { color: #fff; }
.page-hero p { max-width: 720px; margin: 18px 0 0; color: #c8d9e1; font-size: 19px; }
.breadcrumbs { margin-bottom: 18px; color: #8dcdd1; font-size: 14px; }
.breadcrumbs a { color: inherit; }
.content-grid { display: grid; grid-template-columns: minmax(0, 1fr) 310px; gap: 56px; align-items: start; }
.prose { max-width: 800px; }
.prose h2 { margin: 42px 0 12px; font-size: 30px; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin: 28px 0 8px; font-size: 22px; }
.prose p, .prose li { color: #435d70; }
.prose ul, .prose ol { padding-left: 22px; }
.archive-copy { overflow-wrap: anywhere; }
.archive-copy img { max-width: 100%; height: auto; }
.archive-copy table { width: 100%; border-collapse: collapse; }
.archive-copy th, .archive-copy td { padding: 12px; border: 1px solid var(--line); text-align: left; vertical-align: top; }
.archive-copy input, .archive-copy select, .archive-copy textarea { max-width: 100%; }
.archive-copy .faq-question-container { margin-top: 18px; border-radius: 10px; background: var(--navy-900); overflow: hidden; }
.archive-copy .faq-question-container table,
.archive-copy .faq-question-container td { border: 0; }
.archive-copy .faq-question { color: #fff; font-weight: 800; }
.archive-copy .faq-answer { display: block !important; padding: 16px 18px 20px; border: 1px solid var(--line); border-top: 0; border-radius: 0 0 10px 10px; background: #fff; }
.side-nav { position: sticky; top: 110px; padding: 24px; background: var(--wash); border-radius: 14px; }
.side-nav h3 { margin: 0 0 13px; color: var(--navy-900); }
.side-nav a { display: block; padding: 10px 0; border-bottom: 1px solid var(--line); color: #365367; text-decoration: none; font-weight: 700; }

.form-shell { display: grid; grid-template-columns: .88fr 1.12fr; max-width: 1040px; margin: 0 auto; border-radius: 22px; overflow: hidden; box-shadow: var(--shadow); background: #fff; }
.form-aside { padding: 54px; color: #fff; background: var(--navy-900); }
.form-aside h1 { margin: 14px 0 18px; font-size: 46px; line-height: 1.06; }
.form-aside p { color: #c8d9e1; }
.form-aside ul { margin: 28px 0 0; padding: 0; list-style: none; }
.form-aside li { padding: 10px 0; color: #e2edf2; }
.application-form, .contact-form { padding: 46px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field.full { grid-column: 1 / -1; }
.field label { display: block; margin-bottom: 7px; color: var(--navy-900); font-size: 14px; font-weight: 800; }
.field input, .field select, .field textarea { width: 100%; min-height: 50px; border: 1px solid #bfcfd7; border-radius: 9px; padding: 11px 13px; color: var(--ink); background: #fff; }
.field textarea { min-height: 130px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 3px solid rgba(15,150,160,.18); border-color: var(--teal-600); }
.form-note { margin: 18px 0 0; color: var(--muted); font-size: 12px; }
.form-status { display: none; margin-top: 16px; padding: 14px; border-radius: 9px; background: #edf7f2; color: #17633a; font-weight: 700; }
.form-status.show { display: block; }
.form-progress { height: 6px; margin-bottom: 24px; overflow: hidden; border-radius: 999px; background: #e3ebef; }
.form-progress span { display: block; width: 100%; height: 100%; background: var(--teal-700); }
.form-step-label { margin: 0 0 20px; color: var(--navy-900); font-size: 13px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.hp-field { position: absolute !important; left: -10000px !important; width: 1px !important; height: 1px !important; overflow: hidden !important; }
.consent-row { display: grid; grid-template-columns: 20px 1fr; gap: 11px; align-items: start; margin: 22px 0; color: #435d70; font-size: 13px; }
.consent-row input { width: 18px; height: 18px; margin: 2px 0 0; accent-color: var(--teal-700); }
.consent-row a { color: var(--teal-700); font-weight: 700; }
.ajax-submit .button-loading { display: none; }
.ajax-submit.is-loading .button-label { display: none; }
.ajax-submit.is-loading .button-loading { display: inline; }
.ajax-submit:disabled { cursor: wait; opacity: .72; transform: none; }
.ajax-status { display: none; margin-top: 16px; padding: 14px 16px; border-radius: 9px; font-weight: 700; }
.ajax-status.show { display: block; }
.ajax-status.success { border: 1px solid #b9ddc8; background: #edf7f2; color: #17633a; }
.ajax-status.error { border: 1px solid #efc4c4; background: #fff1f1; color: #8b2525; }
.external-form-shell { align-items: stretch; }
.application-embed { min-width: 0; padding: 24px; background: #fff; overflow: hidden; }
.application-embed iframe,
.application-embed form,
.application-embed > div { max-width: 100% !important; }
.embed-disclosure { max-width: 1040px; margin: 18px auto 0; color: var(--muted); font-size: 12px; }

.contact-layout { display: grid; grid-template-columns: .75fr 1.25fr; gap: 40px; }
.contact-panel { padding: 34px; border-radius: var(--radius); background: var(--navy-900); color: #fff; }
.contact-panel h2 { color: #fff; font-size: 32px; }
.contact-panel p { color: #c8d9e1; }
.contact-panel a { color: var(--gold-400); }
.contact-form { border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); }

.site-footer { padding: 58px 0 30px; background: var(--navy-900); color: #d7e4e9; }
.footer-grid { display: grid; grid-template-columns: 1.35fr repeat(3, 1fr); gap: 42px; }
.footer-brand img { width: 260px; height: 61px; object-fit: cover; }
.footer-brand p { max-width: 390px; color: #9fb4bf; font-size: 14px; }
.footer-col h3 { margin: 0 0 14px; color: #fff; font-size: 15px; text-transform: uppercase; letter-spacing: .08em; }
.footer-col a { display: block; margin: 9px 0; color: #c0d1d9; text-decoration: none; font-size: 14px; }
.footer-col a:hover { color: var(--gold-400); }
.legal-note { margin-top: 38px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.12); color: #8fa6b1; font-size: 12px; }
.terms-note { margin: 0 0 30px; padding: 16px 18px; border-left: 4px solid var(--gold-500); background: #fff8e7; color: #5b4a1d; }
.data-table { width: 100%; border-collapse: collapse; margin: 24px 0; }
.data-table th, .data-table td { padding: 14px; border: 1px solid var(--line); text-align: left; vertical-align: top; }
.data-table th { background: var(--navy-900); color: #fff; }
.license-image { width: min(100%, 860px); margin: 0 auto; border: 1px solid var(--line); box-shadow: var(--shadow); }

@media (max-width: 980px) {
  .nav-row { min-height: 72px; }
  .brand { flex-basis: 238px; height: 50px; }
  .brand img { width: 232px; height: 54px; }
  .menu-toggle { display: block; margin-left: auto; }
  .nav-links { display: none; position: absolute; left: 0; right: 0; top: 72px; margin: 0; padding: 16px 20px 22px; background: var(--navy-900); border-top: 1px solid rgba(255,255,255,.12); box-shadow: 0 14px 20px rgba(0,0,0,.18); }
  .nav-links.open { display: grid; gap: 0; }
  .nav-links a { padding: 13px 2px; border-bottom: 1px solid rgba(255,255,255,.1); }
  .nav-actions { display: grid; grid-template-columns: 1fr 1fr; margin: 14px 0 0; }
  .nav-actions .btn { min-height: 46px; }
  .hero-grid { grid-template-columns: 1fr 1fr; }
  .hero-copy { padding-left: 34px; padding-right: 24px; }
  .hero h1 { font-size: 50px; }
  .steps { grid-template-columns: 1fr; }
  .step { display: grid; grid-template-columns: 44px 120px 1fr; gap: 20px; align-items: center; border-right: 0; border-bottom: 1px solid var(--line); }
  .step:last-child { border-bottom: 0; }
  .step img { height: 90px; margin: 0; }
  .step h3 { margin-top: 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 720px) {
  .container { width: min(100% - 28px, 1160px); }
  .brand { flex-basis: 208px; }
  .brand img { width: 204px; height: 48px; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-copy { padding: 48px 22px 42px; }
  .hero h1 { font-size: clamp(40px, 12vw, 55px); }
  .hero-copy > p:not(.eyebrow) { font-size: 18px; }
  .hero-actions .btn { width: 100%; }
  .hero-media { height: 330px; }
  .hero-media::after { background: linear-gradient(180deg, var(--navy-900), transparent 35%); }
  .hero-media img { object-position: 68% center; }
  .section { padding: 58px 0; }
  .section-head { margin-bottom: 28px; }
  .section-head p { font-size: 16px; }
  .steps { box-shadow: none; }
  .step { grid-template-columns: 38px 86px 1fr; gap: 14px; padding: 24px 18px; }
  .step img { height: 74px; }
  .step h3 { font-size: 19px; }
  .trust-strip { grid-template-columns: 1fr; padding: 24px; }
  .trust-strip .btn { justify-self: stretch; }
  .split, .content-grid, .form-shell, .contact-layout { grid-template-columns: 1fr; gap: 28px; }
  .page-hero { padding: 50px 0; }
  .side-nav { position: static; }
  .form-aside { padding: 34px 24px; }
  .form-aside h1 { font-size: 38px; }
  .application-form, .contact-form { padding: 28px 20px; }
  .application-embed { width: 100%; padding: 16px 10px; overflow-x: auto; }
  .form-grid { grid-template-columns: 1fr; }
  .field.full { grid-column: auto; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
}

@media (max-width: 420px) {
  .brand { flex-basis: 188px; }
  .brand img { width: 184px; height: 43px; }
  .menu-toggle { width: 42px; height: 42px; }
  .nav-actions { grid-template-columns: 1fr; }
  .step { grid-template-columns: 34px 1fr; }
  .step img { display: none; }
}