:root {
  --ink: #172033;
  --muted: #5e6878;
  --line: #dfe5ec;
  --paper: #fbfaf7;
  --white: #ffffff;
  --green: #276a5d;
  --teal: #0f7c83;
  --gold: #b7791f;
  --navy: #1b2d4a;
  --soft: #eef5f3;
  --shadow: 0 18px 48px rgba(23, 32, 51, .12);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.65;
}
a { color: var(--teal); text-decoration-thickness: 2px; text-underline-offset: 3px; }
.skip-link { position: absolute; left: -999px; top: 12px; z-index: 20; background: var(--ink); color: #fff; padding: 8px 12px; }
.skip-link:focus { left: 12px; }
.announcement { background: var(--navy); color: #fff; text-align: center; padding: 9px 16px; font-size: .92rem; }
.container { width: min(1120px, calc(100% - 32px)); margin: 0 auto; }
header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(251,250,247,.94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(12px);
}
.nav { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 18px; }
.brand { display: inline-flex; align-items: center; gap: 10px; color: var(--ink); text-decoration: none; font-weight: 800; letter-spacing: 0; }
.brand img { width: 38px; height: 38px; display: block; }
.nav-links { display: flex; align-items: center; gap: 18px; font-size: .95rem; }
.nav-links a { color: var(--ink); text-decoration: none; font-weight: 700; }
.nav-links a:hover { color: var(--teal); }
.nav-cta, .btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 10px 18px;
  border-radius: 7px;
  font-weight: 800;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
}
.nav-cta, .btn-primary { background: var(--green); color: #fff !important; }
.btn-secondary { background: #fff; border-color: var(--line); color: var(--ink); }
.btn-dark { background: var(--navy); color: #fff; }
.hero { padding: 76px 0 52px; background: linear-gradient(180deg, #fff 0%, var(--paper) 100%); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(320px, .85fr); gap: 42px; align-items: center; }
.eyebrow, .section-kicker { color: var(--gold); font-weight: 800; text-transform: uppercase; font-size: .78rem; letter-spacing: .08em; }
h1 { font-size: clamp(2.25rem, 4.8vw, 4.8rem); line-height: 1.03; margin: 12px 0 18px; letter-spacing: 0; }
.page-hero h1 { font-size: clamp(2rem, 3.8vw, 3.7rem); }
h2 { font-size: clamp(1.55rem, 2.6vw, 2.4rem); line-height: 1.16; margin: 0 0 12px; letter-spacing: 0; }
h3 { line-height: 1.2; margin: 0 0 8px; letter-spacing: 0; }
p { margin: 0 0 16px; }
.lead { font-size: 1.18rem; color: var(--muted); max-width: 760px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin: 26px 0 18px; }
.trust-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 20px; }
.trust-row span { background: var(--soft); border: 1px solid var(--line); border-radius: 999px; padding: 7px 11px; color: var(--ink); font-weight: 700; font-size: .9rem; }
.path-panel { background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow); border-radius: 8px; padding: 26px; }
.path-panel ol { margin: 18px 0 0; padding-left: 22px; }
.path-panel li { margin: 0 0 14px; }
section { padding: 58px 0; }
.band { background: #fff; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 24px; }
.tile, .content-card, .faq-item { background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: 22px; }
.tile p, .content-card p, .faq-item p { color: var(--muted); }
.content-layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 32px; align-items: start; }
.article-body { background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: 34px; }
.article-body h2 { margin-top: 28px; }
.aside-box { background: var(--navy); color: #fff; border-radius: 8px; padding: 24px; position: sticky; top: 96px; }
.aside-box a { color: #fff; }
.link-list { display: grid; gap: 10px; margin-top: 16px; }
.link-list a { background: rgba(255,255,255,.12); border-radius: 7px; padding: 10px 12px; text-decoration: none; font-weight: 700; }
.steps { counter-reset: steps; display: grid; gap: 16px; margin-top: 24px; }
.step { background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: 20px; }
.step:before { counter-increment: steps; content: counter(steps); display: inline-grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; background: var(--soft); color: var(--green); font-weight: 800; margin-bottom: 12px; }
.faq-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 22px; }
.apply-panel { background: #fff; border: 1px solid var(--line); border-radius: 8px; box-shadow: var(--shadow); padding: 28px; }
form { display: grid; gap: 14px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
label { display: grid; gap: 6px; font-weight: 800; }
input, textarea, select { width: 100%; border: 1px solid #cbd5df; border-radius: 7px; padding: 12px 13px; font: inherit; background: #fff; color: var(--ink); }
textarea { min-height: 120px; resize: vertical; }
.fine-print, .disclaimer { color: var(--muted); font-size: .9rem; }
footer { background: #14243d; color: rgba(255,255,255,.84); padding: 34px 0; }
footer a { color: #fff; }
.footer-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 24px; }
.footer-links { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 12px; }
.footer-disclaimer { border: 1px solid rgba(255,255,255,.16); background: rgba(255,255,255,.06); border-radius: 8px; padding: 16px; color: rgba(255,255,255,.88); }
@media (max-width: 860px) {
  .nav { align-items: flex-start; flex-direction: column; padding: 14px 0; }
  .nav-links { width: 100%; flex-wrap: wrap; overflow-x: visible; padding-bottom: 4px; gap: 10px 16px; }
  .hero-grid, .content-layout, .footer-grid { grid-template-columns: 1fr; }
  .grid-3, .faq-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .aside-box { position: static; }
  section { padding: 42px 0; }
}