:root {
  --brand: #0b5cad;
  --brand-dark: #08457f;
  --accent: #12a06a;
  --ink: #14213d;
  --text: #3a4560;
  --muted: #6b7690;
  --line: #e3e8f0;
  --bg: #ffffff;
  --bg-alt: #f4f7fb;
  --warn-bg: #fff8e6;
  --warn-line: #f2d48a;
  --radius: 14px;
  --shadow: 0 6px 24px rgba(20, 33, 61, .08);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font: 16px/1.65 system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--brand); }
h1, h2, h3, h4 { color: var(--ink); line-height: 1.25; margin: 0 0 .6em; }
h1 { font-size: clamp(1.9rem, 4vw, 2.8rem); letter-spacing: -.02em; }
h2 { font-size: clamp(1.4rem, 2.6vw, 1.9rem); }
h3 { font-size: 1.15rem; }
p { margin: 0 0 1em; }
.container { width: 100%; max-width: 1160px; margin: 0 auto; padding: 0 16px; }
.narrow { max-width: 820px; }
.muted { color: var(--muted); }
.small { font-size: .875rem; }
.icon { width: 1.2em; height: 1.2em; flex: none; }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 16px; top: 8px; background: #fff; padding: 8px 12px; z-index: 100; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .4em;
  background: var(--brand); color: #fff; text-decoration: none; font-weight: 600;
  padding: .7em 1.2em; border-radius: 10px; border: 2px solid var(--brand);
  transition: background .15s, border-color .15s; cursor: pointer; font-size: 1rem; white-space: nowrap;
}
.btn:hover { background: var(--brand-dark); border-color: var(--brand-dark); }
.btn-sm { padding: .45em .95em; font-size: .92rem; }
.btn-lg { padding: .85em 1.5em; font-size: 1.05rem; }
.btn-ghost { background: transparent; color: var(--brand); }
.btn-ghost:hover { background: rgba(11, 92, 173, .08); color: var(--brand-dark); }
.btn-light { background: #fff; color: var(--brand); border-color: #fff; }
.btn-light:hover { background: #eef4fb; border-color: #eef4fb; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .96); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.nav-wrap { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.logo { display: inline-flex; align-items: center; gap: .5rem; font-weight: 800; font-size: 1.25rem; color: var(--ink); text-decoration: none; letter-spacing: -.01em; }
.logo-mark { display: inline-grid; place-items: center; width: 34px; height: 34px; border-radius: 10px; background: linear-gradient(135deg, var(--brand), var(--accent)); color: #fff; font-size: 1.1rem; }
.logo-light { color: #fff; }
.nav { display: flex; align-items: center; gap: 1.4rem; }
.nav a { color: var(--ink); text-decoration: none; font-weight: 500; font-size: .96rem; }
.nav a:hover, .nav a.active { color: var(--brand); }
.nav a.btn { color: #fff; }
.nav-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--ink); margin: 5px 0; transition: .2s; }
.topnote { background: var(--ink); color: #dfe6f3; font-size: .82rem; text-align: center; padding: .45rem 0; }

/* Hero */
.hero { background: linear-gradient(180deg, #eef5fd 0%, #fff 100%); padding: 64px 0 48px; }
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: center; }
.eyebrow { text-transform: uppercase; letter-spacing: .12em; font-size: .78rem; font-weight: 700; color: var(--accent); }
.lead { font-size: 1.12rem; color: var(--text); max-width: 640px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 1.6rem 0; }
.hero-points { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: .6rem 1.4rem; font-size: .93rem; }
.hero-points li { display: flex; align-items: center; gap: .4rem; }
.hero-points .icon { color: var(--accent); }

/* Sections */
.section { padding: 64px 0; }
.section.alt { background: var(--bg-alt); }
.section-head { text-align: center; max-width: 680px; margin: 0 auto 2.4rem; }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }

/* Category cards */
.cat-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 20px; }
.cat-card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; text-decoration: none; color: var(--text); transition: transform .15s, box-shadow .15s, border-color .15s; }
.cat-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: #c9d7ea; }
.cat-card p { font-size: .92rem; flex: 1; }
.cat-icon { display: inline-grid; place-items: center; width: 48px; height: 48px; border-radius: 12px; background: #e8f1fb; color: var(--brand); margin-bottom: 14px; }
.cat-icon .icon { width: 26px; height: 26px; }
.link-arrow { color: var(--brand); font-weight: 600; font-size: .92rem; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.step { background: #fff; border-radius: var(--radius); padding: 28px; border: 1px solid var(--line); }
.step-no { display: inline-grid; place-items: center; width: 38px; height: 38px; border-radius: 50%; background: var(--accent); color: #fff; font-weight: 700; margin-bottom: 12px; }

/* Lists */
.ticks { list-style: none; padding: 0; margin: 0 0 1rem; }
.ticks li { display: flex; gap: .6rem; margin-bottom: .7rem; }
.ticks .icon { color: var(--accent); margin-top: .2em; }
.trust-box { background: var(--warn-bg); border: 1px solid var(--warn-line); border-radius: var(--radius); padding: 28px; }

/* FAQ */
.faq-list { display: grid; gap: 12px; }
.faq { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 0 20px; }
.faq summary { cursor: pointer; font-weight: 600; color: var(--ink); padding: 16px 24px 16px 0; list-style: none; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 0; top: 12px; font-size: 1.4rem; color: var(--brand); }
.faq[open] summary::after { content: "–"; }
.faq p { padding-bottom: 16px; margin: 0; }

/* CTA */
.cta-band { background: linear-gradient(135deg, var(--brand), var(--brand-dark)); color: #e6efff; padding: 48px 0; }
.cta-band h2 { color: #fff; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.cta-inner p { margin: 0; }

/* Page hero */
.page-hero { background: linear-gradient(180deg, #eef5fd 0%, #fff 100%); padding: 44px 0 32px; }
.crumbs { font-size: .85rem; color: var(--muted); }
.crumbs a { color: var(--muted); text-decoration: none; }
.page-hero-icon { display: inline-grid; place-items: center; width: 56px; height: 56px; border-radius: 14px; background: #e8f1fb; color: var(--brand); margin-bottom: 12px; }
.page-hero-icon .icon { width: 30px; height: 30px; }

/* Notice */
.notice { display: flex; gap: 12px; background: var(--warn-bg); border: 1px solid var(--warn-line); border-radius: 12px; padding: 14px 18px; margin-bottom: 28px; font-size: .93rem; }
.notice p { margin: 0; }
.notice .icon { color: #b07d0a; margin-top: .2em; }

/* Offers */
.offers { display: grid; gap: 24px; }
.offer { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow); }
.offer-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 20px; flex-wrap: wrap; border-bottom: 1px solid var(--line); padding-bottom: 18px; margin-bottom: 18px; }
.offer-head h2 { font-size: 1.35rem; margin: .4rem 0 .2rem; }
.provider { margin: 0; color: var(--muted); font-size: .93rem; }
.badge { display: inline-block; background: #e6f6ef; color: #0c7a50; font-size: .76rem; font-weight: 700; padding: .25em .7em; border-radius: 999px; text-transform: uppercase; letter-spacing: .05em; }
.offer-body { display: grid; grid-template-columns: 1.2fr 1fr; gap: 24px; }
.fees { margin: 0; display: grid; gap: 10px; align-content: start; }
.fees div { display: flex; justify-content: space-between; gap: 12px; background: var(--bg-alt); border-radius: 10px; padding: 10px 14px; }
.fees dt { color: var(--muted); font-size: .9rem; }
.fees dd { margin: 0; font-weight: 700; color: var(--ink); text-align: right; }
.eligibility { font-size: .93rem; margin: 8px 0; }
.offer-note { font-size: .82rem; color: var(--muted); border-top: 1px dashed var(--line); padding-top: 12px; margin: 12px 0 0; }

/* Product cards */
.pcards { display: grid; gap: 28px; }
.pcard { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; background: linear-gradient(135deg, #14213d 0%, #1f3157 100%); color: #e8edf7; border-radius: 28px; padding: 32px 36px; }
.pcard h2 { color: #fff; font-size: clamp(1.4rem, 2.6vw, 2rem); margin-bottom: .3rem; }
.pcard-provider { color: #a9b6d0; font-size: .9rem; margin-bottom: 1rem; }
.pcard-fees { display: flex; flex-wrap: wrap; gap: 8px 40px; font-size: 1.02rem; margin: 1rem 0 1.2rem; color: #fff; }
.pcard-img { max-width: 300px; }
.pcard-img img { width: 100%; border-radius: 14px; box-shadow: 0 10px 30px rgba(0, 0, 0, .35); }
.pcard-benefits { margin: 0 0 1.1rem; padding-left: 1.2rem; }
.pcard-benefits li { margin-bottom: .3rem; }
.pcard-note { font-size: .85rem; color: #d7deec; margin-bottom: .6rem; }
.pcard-reg { font-size: .76rem; color: #a9b6d0; margin-bottom: 1rem; }
.btn-apply { display: inline-block; background: #f05a28; color: #fff; text-decoration: none; font-weight: 600; padding: .75em 1.6em; border-radius: 999px; transition: background .15s; }
.btn-apply:hover { background: #d94815; }
.empty { text-align: center; color: var(--muted); padding: 24px 0; }

/* Header dropdown */
.dropdown { position: relative; }
.dd-toggle { background: none; border: 0; font: inherit; font-weight: 500; font-size: .96rem; color: var(--ink); cursor: pointer; padding: 0; }
.dropdown.active .dd-toggle, .dd-toggle:hover { color: var(--brand); }
.caret { font-size: .75em; }
.dd-menu { display: none; position: absolute; top: calc(100% + 14px); left: -12px; min-width: 210px; background: #fff; border-radius: 8px; box-shadow: 0 10px 30px rgba(20, 33, 61, .16); padding: 8px 0; z-index: 60; }
.dd-menu::before { content: ""; position: absolute; top: -14px; left: 0; right: 0; height: 14px; }
.dd-menu a { display: block; padding: 7px 20px; text-transform: uppercase; letter-spacing: .08em; font-size: .86rem; color: var(--ink); }
.dd-menu a:hover, .dd-menu a.active { color: var(--brand); background: var(--bg-alt); }
.dropdown.open .dd-menu { display: block; }
@media (hover: hover) and (min-width: 861px) { .dropdown:hover .dd-menu { display: block; } }

/* Prose */
.prose { max-width: 820px; }
.prose h2 { font-size: 1.3rem; margin-top: 1.8em; }
.prose ul { padding-left: 1.2rem; }
.prose li { margin-bottom: .4rem; }

/* Contact */
.contact-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 40px; align-items: start; }
.contact-card { background: var(--bg-alt); border-radius: var(--radius); padding: 28px; }
.contact-line { display: flex; gap: 10px; align-items: flex-start; }
.contact-line .icon { color: var(--brand); margin-top: .25em; }
.form { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); display: grid; gap: 14px; }
.form label { display: grid; gap: 6px; font-weight: 600; color: var(--ink); font-size: .93rem; }
.form input, .form select, .form textarea { font: inherit; padding: .7em .85em; border: 1px solid #cdd6e3; border-radius: 10px; width: 100%; background: #fff; color: var(--ink); }
.form input:focus, .form select:focus, .form textarea:focus { outline: 2px solid rgba(11, 92, 173, .3); border-color: var(--brand); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form .check { display: flex; gap: 10px; font-weight: 400; align-items: flex-start; }
.form .check input { width: auto; margin-top: .35em; }
.hp { position: absolute; left: -9999px; }
.alert { border-radius: 10px; padding: 12px 16px; font-size: .93rem; }
.alert p { margin: 0; }
.alert.ok { background: #e6f6ef; color: #0c6a46; }
.alert.err { background: #fdecec; color: #a12626; }

/* Footer */
.site-footer { background: var(--ink); color: #c4cde0; padding: 56px 0 24px; font-size: .93rem; }
.site-footer h4 { color: #fff; font-size: 1rem; }
.site-footer a { color: #c4cde0; text-decoration: none; display: block; margin-bottom: .45rem; }
.site-footer a:hover { color: #fff; }
.site-footer .logo { display: inline-flex; margin-bottom: .8rem; }
.site-footer .muted { color: #95a1bb; }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1.3fr; gap: 32px; }
.footer-disclaimer { border-top: 1px solid rgba(255, 255, 255, .12); margin-top: 36px; padding-top: 22px; font-size: .8rem; color: #95a1bb; }
.site-footer .contact-line .icon { color: #8fb8ea; }

/* Responsive */
@media (max-width: 960px) {
  .hero-grid, .two-col, .contact-grid { grid-template-columns: 1fr; }
  .hero-art { max-width: 420px; margin: 0 auto; }
  .steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .offer-body { grid-template-columns: 1fr; }
  .pcard { grid-template-columns: 1fr; padding: 26px 22px; border-radius: 20px; gap: 16px; }
}
@media (max-width: 860px) {
  .nav-toggle { display: block; }
  .nav { position: absolute; top: 68px; left: 0; right: 0; background: #fff; flex-direction: column; align-items: stretch; gap: 0; padding: 8px 16px 16px; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); display: none; }
  .nav.open { display: flex; }
  .nav a { padding: 12px 0; border-bottom: 1px solid var(--line); }
  .nav a.btn { margin-top: 12px; border-bottom: 0; }
  .dd-toggle { width: 100%; text-align: left; padding: 12px 0; border-bottom: 1px solid var(--line); }
  .dd-menu { position: static; box-shadow: none; padding: 0 0 0 12px; min-width: 0; }
  .dd-menu::before { display: none; }
}
@media (max-width: 560px) {
  .section { padding: 44px 0; }
  .hero { padding: 40px 0 32px; }
  .footer-grid, .form-row { grid-template-columns: 1fr; }
  .offer-head .btn { width: 100%; }
}