:root{--navy:#08244a;--blue:#0f5fa8;--gold:#d0a13a;--ink:#061a36;--muted:#5e6b7d;--line:#dbe4ef;--soft:#f4f7fb;--white:#fff;--shadow:0 18px 45px rgba(7,31,70,.10);--radius:18px}*{box-sizing:border-box}body{margin:0;font-family:Inter,Segoe UI,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.55}a{color:inherit;text-decoration:none}.wrap{width:min(1120px,92vw);margin:auto}.topbar{background:#061b3b;color:#fff;font-size:14px}.topbar-inner{display:flex;gap:24px;justify-content:space-between;align-items:center;padding:8px 0}.topbar a{color:#fff}.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}.nav-row{display:flex;align-items:center;justify-content:space-between;padding:18px 0}.brand{display:flex;align-items:center;gap:12px}.brand-mark{display:grid;place-items:center;width:42px;height:42px;border:2px solid var(--navy);font-weight:900}.brand small{display:block;color:var(--muted);font-size:12px}.main-nav{display:flex;align-items:center;gap:22px;font-weight:800}.mobile-menu{display:none;background:var(--navy);color:#fff;border:0;border-radius:10px;padding:10px 12px}.btn{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:12px;padding:13px 20px;font-weight:900;cursor:pointer;gap:8px}.btn.small{padding:10px 16px}.btn.gold{background:var(--gold);color:#071b37}.btn.navy{background:var(--navy);color:#fff}.btn.outline{background:#fff;color:var(--navy);border:1px solid var(--line)}.hero{background:linear-gradient(135deg,#f7faff 0%,#edf5ff 100%);padding:70px 0}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:42px;align-items:center}.eyebrow{color:var(--gold);font-weight:900;letter-spacing:.16em;text-transform:uppercase;font-size:13px}.hero h1{font-size:clamp(42px,6vw,72px);line-height:.98;margin:12px 0 20px;color:#061a36}.hero p.lead{font-size:20px;font-weight:800;max-width:620px}.hero-list{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:24px 0}.hero-list span{background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 14px;font-weight:800}.section{padding:74px 0}.section.soft{background:var(--soft)}.section h2{font-size:clamp(30px,4vw,46px);margin:0 0 12px}.section-intro{color:var(--muted);max-width:760px;margin-bottom:28px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}.card h3{margin-top:0}.card ul{padding-left:20px}.badge-row{display:flex;flex-wrap:wrap;gap:10px}.badge{border:1px solid var(--line);background:#fff;border-radius:999px;padding:9px 13px;font-weight:800}.process{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.step-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}.step-num{width:40px;height:40px;border-radius:50%;background:var(--gold);display:grid;place-items:center;font-weight:900}.page-hero{background:linear-gradient(135deg,#07305f,#1367ac);color:#fff;padding:70px 0}.page-hero h1{font-size:clamp(36px,5vw,58px);margin:0 0 12px}.page-hero p{font-size:18px;max-width:850px}.prequal-section{display:flex;justify-content:center}.form-shell{background:#fff;border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow);overflow:hidden;width:100%;max-width:560px}.form-head{background:#123a70;color:#fff;padding:24px}.form-head h2{margin:0 0 8px}.form-head p{margin:0}.smart-form{padding:22px}.form-progress{height:8px;background:#e6edf6;border-radius:999px;overflow:hidden;margin-bottom:16px}.form-progress span{display:block;height:100%;background:var(--gold);width:20%;transition:.25s}.step-label{font-weight:900;margin-bottom:16px}.form-step{display:none}.form-step.active{display:block}.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.form-grid.one{grid-template-columns:1fr}label{display:flex;flex-direction:column;gap:6px;font-weight:800}input,select,textarea{width:100%;border:1px solid #cbd7e6;border-radius:12px;padding:12px 13px;font:inherit;background:#fff}textarea{resize:vertical}.hidden{display:none}.conditional{display:none}.conditional.active{display:block}.form-actions{display:flex;justify-content:space-between;gap:12px;margin-top:22px}.fine-print{font-size:13px;color:#7b4a00;background:#fff7e6;border:1px solid #f1c879;border-radius:12px;padding:12px}.calculator-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:54px auto}.calculator-card{text-align:left;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow);cursor:pointer;color:var(--ink);font:inherit}.calculator-card:hover{transform:translateY(-2px);border-color:var(--gold)}.calc-modal{position:fixed;inset:0;background:rgba(0,0,0,.55);display:none;align-items:center;justify-content:center;padding:24px;z-index:100}.calc-modal.active{display:flex}.calc-box{background:#fff;border-radius:22px;max-width:980px;width:100%;max-height:90vh;overflow:auto;padding:24px}.calc-head{display:flex;justify-content:space-between;align-items:center;border-bottom:1px solid var(--line);padding-bottom:12px;margin-bottom:20px}.calc-close{border:0;background:#f0f4fa;border-radius:50%;width:36px;height:36px;font-size:20px;cursor:pointer}.calc-panel{display:none}.calc-panel.active{display:block}.calc-result{background:#eef7ff;border:1px solid #b6d5ee;border-radius:14px;padding:14px;margin-top:14px;font-weight:900}.table-scroll{overflow:auto;max-height:360px;border:1px solid var(--line);border-radius:14px;margin-top:16px}table{border-collapse:collapse;width:100%;font-size:14px}th,td{border-bottom:1px solid var(--line);padding:10px;text-align:right}th:first-child,td:first-child{text-align:left}.site-footer{background:#061b3b;color:#fff;padding:50px 0 18px;margin-top:0}.site-footer a{color:#fff}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:30px}.footer-bottom{border-top:1px solid rgba(255,255,255,.15);margin-top:30px;padding-top:18px;color:#c9d4e4}.cta-band{background:linear-gradient(135deg,var(--navy),#135a9b);color:#fff;border-radius:28px;padding:42px;display:flex;justify-content:space-between;align-items:center;gap:20px}.admin-note{background:#eef5ff;border:1px solid #c8dbf4;border-radius:16px;padding:18px}.partner-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.partner{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px;text-align:center;font-weight:900}.program-table{width:100%;border:1px solid var(--line);border-radius:16px;overflow:hidden;background:#fff}.program-table td,.program-table th{text-align:left}.program-table th{background:#0f5fa8;color:#fff}@media(max-width:900px){.hero-grid,.cards,.process,.footer-grid,.calculator-grid{grid-template-columns:1fr}.main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:18px;flex-direction:column;align-items:flex-start}.main-nav.open{display:flex}.mobile-menu{display:block}.form-grid,.hero-list{grid-template-columns:1fr}.topbar-inner{flex-direction:column;gap:4px}.cta-band{flex-direction:column;align-items:flex-start}.partner-grid{grid-template-columns:repeat(2,1fr)}}