:root {
  --navy: #153f63;
  --navy-dark: #0c2f4a;
  --blue: #2d719e;
  --orange: #f2a23a;
  --orange-dark: #d88920;
  --cream: #fff9ef;
  --soft: #f4f8fa;
  --text: #34424e;
  --muted: #687784;
  --line: #d8e2e8;
  --white: #ffffff;
  --success: #2f855a;
  --shadow: 0 14px 38px rgba(15, 41, 72, 0.12);
  --radius: 18px;
  --max: 1160px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--text);
  background: var(--white);
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; }
.container { width: min(calc(100% - 40px), var(--max)); margin: 0 auto; }
.narrow { width: min(calc(100% - 40px), 860px); margin: 0 auto; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  background: var(--navy-dark);
  border-top: 5px solid var(--orange);
  border-bottom: 1px solid rgba(255,255,255,.12);
  box-shadow: 0 5px 20px rgba(9,42,66,.18);
}
.header-inner { min-height: 80px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 14px; text-decoration: none; min-width: 0; }
.brand-logo { width: 215px; max-height: 54px; object-fit: contain; object-position: left center; display: block; }
.brand-copy { display: flex; flex-direction: column; line-height: 1.1; padding-left: 14px; border-left: 1px solid rgba(255,255,255,.35); }
.brand-copy small { color: #fff; font-size: .76rem; letter-spacing: .08em; text-transform: uppercase; font-weight: 700; }
.header-phone { text-decoration: none; color: #fff; font-size: .94rem; }
.header-phone strong { color: #fff; }

.hero {
  position: relative;
  overflow: hidden;
  padding: 72px 0 64px;
  background:
    radial-gradient(circle at 86% 16%, rgba(242,162,58,.16), transparent 28%),
    linear-gradient(135deg, #f3f8fb 0%, #ffffff 58%, #fff8ed 100%);
}
.hero:before {
  content: "";
  position: absolute;
  width: 420px; height: 420px; border-radius: 50%;
  border: 58px solid rgba(47,111,167,.05);
  right: -180px; bottom: -190px;
}
.hero-grid { display: grid; grid-template-columns: 1.18fr .82fr; gap: 54px; align-items: center; position: relative; }
.eyebrow { text-transform: uppercase; letter-spacing: .12em; font-weight: 800; font-size: .78rem; color: var(--blue); margin-bottom: 12px; }
h1, h2, h3 { color: var(--navy-dark); line-height: 1.14; margin-top: 0; font-family: Georgia, "Times New Roman", serif; font-weight: 700; }
h1 { font-size: clamp(2.45rem, 5vw, 4.5rem); letter-spacing: -.025em; margin-bottom: 20px; max-width: 820px; }
h2 { font-size: clamp(2rem, 3.2vw, 3.05rem); letter-spacing: -.02em; margin-bottom: 16px; }
h3 { font-size: 1.18rem; margin-bottom: 8px; }
p { margin-top: 0; }
.hero-lede { font-size: 1.18rem; color: #475569; max-width: 670px; margin-bottom: 24px; }
.pay-card {
  display: inline-flex; flex-wrap: wrap; align-items: baseline; gap: 9px 13px;
  padding: 14px 17px; border-radius: 14px; background: #fff4df; border: 1px solid #f3d2a0; margin-bottom: 22px;
}
.pay-label { font-size: .86rem; color: #7c551f; font-weight: 700; }
.pay-card strong { font-size: 1.55rem; color: #8e5210; }
.pay-note { width: 100%; font-size: .74rem; color: #7c6546; }
.hero-benefits { list-style: none; padding: 0; margin: 0 0 30px; display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 10px 22px; }
.hero-benefits li { position: relative; padding-left: 25px; font-weight: 650; color: #334155; }
.hero-benefits li:before { content: "✓"; position: absolute; left: 0; top: -1px; color: var(--success); font-weight: 900; }
.hero-actions { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; }
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  min-height: 52px; padding: 0 24px; border-radius: 12px; text-decoration: none;
  font-weight: 800; transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
}
.btn-primary { background: var(--orange); color: #1f2f3a; box-shadow: 0 9px 22px rgba(216,137,32,.24); border: 1px solid rgba(255,255,255,.25); }
.btn-primary:hover { background: #f7af54; transform: translateY(-1px); box-shadow: 0 13px 28px rgba(216,134,36,.3); }
.btn-large { min-height: 58px; padding-inline: 30px; font-size: 1.03rem; }
.text-link { color: var(--navy); font-weight: 750; text-underline-offset: 4px; }
.microcopy { color: var(--muted); font-size: .81rem; margin-top: 12px; margin-bottom: 0; }
.centered { text-align: center; }

.hero-panel { background: var(--white); padding: 30px; border: 1px solid #dfe8ed; border-top: 5px solid var(--orange); border-radius: 12px; box-shadow: var(--shadow); position: relative; }
.hero-panel-badge { display: inline-block; padding: 7px 10px; border-radius: 999px; background: #eaf3fb; color: var(--blue); font-size: .76rem; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; margin-bottom: 18px; }
.hero-panel h2 { font-size: 2rem; }
.hero-panel > p { color: #526174; }
.location-chips { display: flex; flex-wrap: wrap; gap: 8px; margin: 20px 0 26px; }
.location-chips span { padding: 8px 11px; border-radius: 999px; background: var(--soft); border: 1px solid var(--line); color: #3e5268; font-size: .83rem; font-weight: 700; }
.mission-card { padding: 18px; border-radius: 15px; background: var(--navy-dark); color: var(--white); }
.mission-card span { display: block; color: #c6d7e8; text-transform: uppercase; letter-spacing: .1em; font-size: .7rem; font-weight: 800; margin-bottom: 7px; }
.mission-card p { margin: 0; color: var(--white); font-weight: 600; }

.trust-strip { background: var(--navy-dark); color: var(--white); }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-grid > div { padding: 22px; text-align: center; border-right: 1px solid rgba(255,255,255,.13); }
.trust-grid > div:last-child { border-right: 0; }
.trust-grid strong { display: block; font-size: 1.25rem; color: #fff; }
.trust-grid span { display: block; color: #c8d6e5; font-size: .84rem; margin-top: 2px; }

.section { padding: 82px 0; }
.section-soft { background: var(--soft); }
.section-heading { max-width: 780px; margin-bottom: 38px; }
.section-heading p { color: #5b6b7d; font-size: 1.05rem; }
.centered-heading { text-align: center; margin-inline: auto; }
.benefit-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.benefit-card { border: 1px solid var(--line); border-top: 4px solid #c7dce9; border-radius: 10px; padding: 24px; background: var(--white); box-shadow: 0 8px 24px rgba(15,41,72,.055); }
.benefit-card p { color: #627183; margin-bottom: 0; font-size: .94rem; }
.icon { width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center; background: #edf5fc; color: var(--blue); font-weight: 900; margin-bottom: 18px; }
.two-col { display: grid; grid-template-columns: 1.07fr .93fr; gap: 55px; align-items: start; }
.check-list { list-style: none; padding: 0; margin: 24px 0 0; display: grid; gap: 12px; }
.check-list li { position: relative; padding-left: 30px; }
.check-list li:before { content: "✓"; position: absolute; left: 0; color: var(--success); font-weight: 900; }
.check-list.compact { margin-top: 16px; gap: 10px; }
.requirements-card { background: var(--white); border: 1px solid var(--line); border-top: 5px solid var(--orange); border-radius: 10px; padding: 28px; box-shadow: 0 10px 30px rgba(15,41,72,.06); }
.fine-print { margin-top: 20px; padding-top: 18px; border-top: 1px solid var(--line); color: var(--muted); font-size: .8rem; }

.apply-section { background: linear-gradient(135deg, var(--navy-dark), #214f78); color: var(--white); }
.apply-box { display: grid; grid-template-columns: 1.35fr .65fr; gap: 36px; align-items: center; }
.apply-section h2, .apply-section p { color: var(--white); }
.apply-section .eyebrow { color: #f8c27f; }
.apply-actions { display: flex; flex-direction: column; align-items: stretch; }
.apply-section .microcopy { color: #cbd8e4; }

.faq-list { display: grid; gap: 10px; }
details { border: 1px solid var(--line); border-radius: 14px; padding: 0 18px; background: var(--white); }
summary { cursor: pointer; list-style: none; padding: 18px 30px 18px 0; font-weight: 800; color: var(--navy-dark); position: relative; }
summary::-webkit-details-marker { display: none; }
summary:after { content: "+"; position: absolute; right: 2px; top: 14px; font-size: 1.45rem; color: var(--blue); }
details[open] summary:after { content: "−"; }
details p { padding: 0 0 18px; color: #5d6d7f; margin: 0; }

.site-footer { padding: 36px 0 96px; background: var(--navy-dark); color: #d7e2ec; border-top: 5px solid var(--orange); }
.footer-grid { display: grid; grid-template-columns: 1.2fr .8fr 1fr; gap: 28px; align-items: start; }
.footer-grid strong { color: var(--white); }
.footer-grid p { margin: 7px 0 0; font-size: .86rem; }
.footer-grid a { display: block; color: #e7eef5; text-decoration: none; margin-bottom: 5px; }
.footer-small { text-align: right; color: #aebfd0; }
.mobile-apply-bar { display: none; }

@media (max-width: 900px) {
  .hero { padding-top: 52px; }
  .hero-grid, .two-col, .apply-box { grid-template-columns: 1fr; }
  .hero-grid { gap: 34px; }
  .benefit-grid { grid-template-columns: repeat(2, 1fr); }
  .apply-actions { max-width: 420px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-small { text-align: left; grid-column: 1 / -1; }
}

@media (max-width: 640px) {
  .container, .narrow { width: min(calc(100% - 28px), var(--max)); }
  .site-header { position: relative; }
  .header-inner { min-height: 66px; }
  .header-phone { font-size: 0; }
  .header-phone strong { font-size: .88rem; }
  .brand-logo { width: 165px; max-height: 44px; }
  .brand-copy { display: none; }
  .hero { padding: 42px 0 46px; }
  h1 { font-size: clamp(2.35rem, 12vw, 3.45rem); }
  h2 { font-size: 2rem; }
  .hero-lede { font-size: 1.06rem; }
  .hero-benefits { grid-template-columns: 1fr; gap: 9px; }
  .hero-actions { align-items: stretch; flex-direction: column; }
  .hero-actions .btn { width: 100%; }
  .hero-actions .text-link { text-align: center; }
  .hero-panel { padding: 23px; }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-grid > div { border-bottom: 1px solid rgba(255,255,255,.13); }
  .trust-grid > div:nth-child(2) { border-right: 0; }
  .section { padding: 60px 0; }
  .benefit-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .mobile-apply-bar {
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 40; display: block;
    padding: 10px 14px calc(10px + env(safe-area-inset-bottom));
    background: rgba(255,255,255,.97); border-top: 1px solid var(--line); box-shadow: 0 -8px 24px rgba(15,41,72,.1);
  }
  .mobile-apply-bar .btn { width: 100%; min-height: 50px; }
  .site-footer { padding-bottom: 110px; }
}

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

.footer-logo { width: 185px; max-height: 48px; object-fit: contain; object-position: left center; display: block; margin-bottom: 8px; }
.footer-location { display:block; color:#fff; font-size:.82rem; text-transform:uppercase; letter-spacing:.08em; margin-bottom:8px; }