:root{
  --navy:#14213D;--navy-2:#1d2d52;--orange:#FF9F1C;--orange-d:#e5870a;
  --green:#2BB673;--ink:#1a1f2b;--muted:#5b6475;--bg:#ffffff;--soft:#f5f6f9;--line:#e3e6ec;
  --radius:16px;--max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
img{max-width:100%;display:block}
a{color:var(--navy)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
h1,h2,h3{font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;letter-spacing:-.02em;line-height:1.15;margin:0 0 .5em;color:var(--navy)}
h1{font-size:clamp(2.2rem,5vw,3.6rem);font-weight:800;color:#fff}
h2{font-size:clamp(1.7rem,3.5vw,2.4rem);font-weight:800}
h3{font-size:1.2rem;font-weight:700}

/* header */
.top{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.95);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;font-weight:800;font-size:1.35rem;color:var(--navy)}
.brand img{width:38px;height:38px;border-radius:9px}
.brand span{color:var(--orange)}
.brand b{font-weight:800}
.nav{display:flex;gap:26px;align-items:center}
.nav a{text-decoration:none;color:var(--ink);font-weight:500;font-size:.97rem}
.nav a:hover{color:var(--orange-d)}
@media(max-width:760px){.nav a:not(.btn){display:none}}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--orange);color:var(--navy)!important;font-weight:700;text-decoration:none;padding:14px 26px;border-radius:999px;border:0;cursor:pointer;font-size:1rem;transition:transform .15s,background .15s,box-shadow .15s;box-shadow:0 6px 18px rgba(255,159,28,.35)}
.btn:hover{background:var(--orange-d);transform:translateY(-1px)}
.btn.small{padding:10px 18px;font-size:.92rem;box-shadow:none}
.btn.ghost{background:transparent;color:#fff!important;border:2px solid rgba(255,255,255,.55);box-shadow:none}
.btn.ghost:hover{background:rgba(255,255,255,.1)}

/* hero */
.hero{background:radial-gradient(1200px 500px at 85% 20%,#26386a 0%,var(--navy) 60%);color:#fff;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center;padding-top:64px;padding-bottom:72px}
.eyebrow{display:inline-block;background:rgba(255,159,28,.15);color:var(--orange);font-weight:700;font-size:.85rem;letter-spacing:.06em;text-transform:uppercase;padding:6px 14px;border-radius:999px;margin-bottom:18px}
.hero h1 em{font-style:normal;color:var(--orange)}
.hero p.lead{font-size:1.2rem;color:#d6dbea;max-width:34ch;margin:0 0 28px}
.hero .ctas{display:flex;gap:14px;flex-wrap:wrap}
.hero .visual{position:relative}
.hero .visual img{border-radius:24px;box-shadow:0 30px 60px rgba(0,0,0,.35);aspect-ratio:1/1;object-fit:cover;width:100%}
.hero .badge{position:absolute;left:-18px;bottom:24px;background:#fff;color:var(--navy);border-radius:14px;padding:12px 16px;font-weight:700;box-shadow:0 12px 30px rgba(0,0,0,.25);display:flex;gap:10px;align-items:center;font-size:.95rem}
.hero .badge i{width:10px;height:10px;border-radius:50%;background:var(--green);display:inline-block}
.checks{list-style:none;padding:0;margin:26px 0 0;display:flex;flex-wrap:wrap;gap:10px 22px;color:#d6dbea;font-size:.95rem}
.checks li::before{content:"✓";color:var(--green);font-weight:800;margin-right:8px}
@media(max-width:860px){.hero .wrap{grid-template-columns:1fr;padding-top:40px}.hero .badge{left:12px}}

/* sections */
section{padding:80px 0}
section.soft{background:var(--soft)}
.intro{max-width:640px;margin:0 0 40px}
.intro p{color:var(--muted);margin:0}
.grid{display:grid;gap:22px}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.g3,.g4{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.g3,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.card p{color:var(--muted);margin:0}
.ico{width:46px;height:46px;border-radius:12px;background:rgba(255,159,28,.15);display:grid;place-items:center;margin-bottom:14px;color:var(--orange-d)}
.ico svg{width:24px;height:24px}
.step{position:relative;padding-top:58px}
.step .n{position:absolute;top:22px;left:26px;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;font-weight:800;color:var(--orange);font-size:1.6rem}

.two{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
@media(max-width:860px){.two{grid-template-columns:1fr}}
.list{list-style:none;padding:0;margin:0}
.list li{padding:12px 0 12px 34px;border-bottom:1px solid var(--line);position:relative}
.list li::before{content:"";position:absolute;left:0;top:16px;width:20px;height:20px;border-radius:50%;background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/12px no-repeat}

/* form */
.apply{background:var(--navy);color:#fff}
.apply h2{color:#fff}
.apply .intro p{color:#c9d0e2}
form.f{background:#fff;color:var(--ink);border-radius:20px;padding:30px;display:grid;grid-template-columns:1fr 1fr;gap:16px;box-shadow:0 20px 50px rgba(0,0,0,.25)}
form.f .full{grid-column:1/-1}
@media(max-width:620px){form.f{grid-template-columns:1fr}}
label{font-weight:600;font-size:.92rem;display:block;margin-bottom:6px}
input,select{width:100%;padding:13px 14px;border:1.5px solid var(--line);border-radius:10px;font:inherit;background:#fff}
input:focus,select:focus{outline:none;border-color:var(--orange)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;color:var(--muted)}
.consent input{width:auto;margin-top:4px}
.note{font-size:.85rem;color:var(--muted)}

/* faq */
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin-bottom:12px}
summary{font-weight:700;cursor:pointer;color:var(--navy)}
details p{color:var(--muted);margin:10px 0 0}

/* footer */
footer{background:#0e172c;color:#aab3c8;padding:40px 0;font-size:.92rem}
footer .wrap{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
footer a{color:#fff}

/* legal page */
.legal{padding:56px 0 80px}
.legal .wrap{max-width:820px}
.legal h1{color:var(--navy);font-size:clamp(2rem,4vw,2.8rem)}
.legal h2{font-size:1.35rem;margin-top:2em}
.legal p,.legal li{color:#333}
.legal table{width:100%;border-collapse:collapse;margin:12px 0;font-size:.95rem}
.legal th,.legal td{border:1px solid var(--line);padding:10px;text-align:left;vertical-align:top}
.legal th{background:var(--soft)}