:root{
  --blue:#1a56b8;          /* matches logo royal blue */
  --blue-dark:#0f3d8a;
  --blue-deep:#0b2f68;
  --ink:#1c2333;
  --muted:#5c6675;
  --bg:#ffffff;
  --bg-alt:#eef3fb;
  --line:#dbe4f1;
  --shadow:0 8px 24px rgba(16,44,110,.12);
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{font-family:'Inter',system-ui,-apple-system,sans-serif;color:var(--ink);line-height:1.6;background:#fff;}
.container{max-width:1120px;margin:0 auto;padding:0 22px;}
.container.narrow{max-width:760px;}
.center{text-align:center;}
a{color:var(--blue);text-decoration:none;}
img{max-width:100%;}

/* nav */
.navbar{position:sticky;top:0;z-index:50;background:#fff;box-shadow:0 1px 0 var(--line);}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:78px;}
.brand-logo{height:64px;width:auto;object-fit:contain;}
.nav-links{display:flex;align-items:center;gap:26px;font-weight:600;}
.nav-links a{color:var(--ink);}
.nav-links a:hover{color:var(--blue);}

/* buttons */
.btn{display:inline-block;background:var(--blue);color:#fff!important;font-weight:700;padding:12px 22px;border-radius:10px;border:none;cursor:pointer;transition:.15s;}
.btn:hover{background:var(--blue-dark);transform:translateY(-1px);}
.btn-lg{padding:15px 30px;font-size:1.05rem;}
.btn-block{display:block;text-align:center;width:100%;}
.btn-outline{background:transparent;border:2px solid #fff;color:#fff!important;}
.btn-outline:hover{background:#fff;color:var(--blue)!important;border-color:#fff;}
.btn-cta{}

/* hero */
.hero{background:linear-gradient(135deg,var(--blue-deep) 0%,var(--blue) 100%);color:#fff;padding:70px 0 76px;}
.hero-inner{display:grid;grid-template-columns:1.25fr .75fr;gap:48px;align-items:center;}
.badge{display:inline-block;background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.35);padding:6px 14px;border-radius:999px;font-size:.82rem;font-weight:700;letter-spacing:.4px;margin-bottom:20px;}
.hero h1{font-size:2.7rem;line-height:1.15;font-weight:900;margin-bottom:18px;}
.hero .accent{color:#ffd54a;}
.hero-sub{font-size:1.12rem;opacity:.94;max-width:560px;margin-bottom:28px;}
.hero-alt{margin-top:16px;font-size:.95rem;opacity:.9;}
.hero-alt a{color:#ffd54a!important;font-weight:700;text-decoration:underline;}
.hero-actions{display:flex;gap:16px;flex-wrap:wrap;}
.center-actions{justify-content:center;}

/* trust bar */
.trustbar{background:var(--blue-deep);color:#fff;}
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;padding:22px 0;text-align:center;font-size:.9rem;}
.trust-grid strong{display:block;font-size:1.15rem;color:#ffd54a;}
.trust-grid span{opacity:.85;}

/* sections */
.section{padding:72px 0;}
.section.alt{background:var(--bg-alt,#eef3fb);}
.section-title{font-size:2rem;font-weight:800;margin-bottom:14px;color:var(--blue-deep);text-align:center;}
.section .section-title{text-align:center;}
.section-lead{text-align:center;max-width:680px;margin:0 auto 40px;color:var(--muted);font-size:1.05rem;}

/* features */
.feature-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;}
.feature{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px 20px;text-align:center;box-shadow:var(--shadow);}
.feature .ico{font-size:2rem;margin-bottom:12px;}
.feature h3{margin-bottom:8px;font-size:1.05rem;color:var(--blue-deep);}
.feature p{font-size:.92rem;color:var(--muted);}

/* requirements */
.req-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-bottom:46px;}
.req-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:30px 24px;text-align:center;position:relative;box-shadow:var(--shadow);}
.req-card .num{position:absolute;top:-16px;left:50%;transform:translateX(-50%);background:var(--blue);color:#fff;width:34px;height:34px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;}
.req-card h3{margin:10px 0 8px;color:var(--blue-deep);}
.req-card p{color:var(--muted);font-size:.94rem;}
.cta-box{background:var(--blue);color:#fff;border-radius:16px;padding:34px;text-align:center;box-shadow:var(--shadow);}
.cta-box p{font-size:1.15rem;font-weight:600;margin-bottom:16px;}

/* rate table */
.rate-table{max-width:520px;margin:0 auto 18px;border:1px solid var(--line);border-radius:14px;overflow:hidden;box-shadow:var(--shadow);}
.rate-row{display:grid;grid-template-columns:repeat(3,1fr);padding:14px 22px;background:#fff;}
.rate-row:nth-child(even){background:var(--bg);}
.rate-row.head{background:var(--blue-deep);color:#fff;font-weight:700;}
.fineprint{color:var(--muted);font-size:.82rem;text-align:center;}
.fineprint.center{text-align:center;}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.step{background:#fff;border:1px solid var(--line);border-radius:16px;padding:28px 22px;text-align:center;box-shadow:var(--shadow);}
.step span{display:inline-flex;width:40px;height:40px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;align-items:center;justify-content:center;margin-bottom:12px;font-size:1.1rem;}
.step h4{margin-bottom:8px;color:var(--blue-deep);}
.step p{color:var(--muted);font-size:.92rem;}

/* contact */
.contact .section-title{text-align:left;}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:42px;align-items:start;}
.contact p{margin-bottom:14px;color:var(--ink);}
.hours{list-style:none;}
.hours li{display:flex;justify-content:space-between;padding:9px 0;border-bottom:1px dashed var(--line);max-width:340px;}
.hours li:last-child{border-bottom:none;}
.map-card .map-placeholder{background:var(--bg);border:1px solid var(--line);border-radius:16px;height:280px;display:flex;align-items:center;justify-content:center;color:var(--muted);font-size:1.1rem;box-shadow:var(--shadow);}

/* footer */
.footer{background:var(--blue-deep);color:#d6e0f5;padding:40px 0;text-align:center;}
.footer-logo{height:52px;margin-bottom:12px;border-radius:6px;background:#fff;padding:4px;}
.footer p{margin-bottom:6px;}
.footer .small,.footer .smalltext{font-size:.85rem;opacity:.85;}

/* apply page */
.apply-section{background:var(--bg);}
.apply-head{text-align:center;margin-bottom:32px;}
.apply-head .section-title{margin-bottom:6px;}
.app-form{background:#fff;border:1px solid var(--line);border-radius:16px;padding:30px;box-shadow:var(--shadow);}
.row{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.field{margin-bottom:18px;}
.field label{display:block;font-weight:600;margin-bottom:7px;font-size:.92rem;color:var(--blue-deep);}
.field input,.field select,.field textarea{width:100%;padding:13px 14px;border:1px solid var(--line);border-radius:10px;font-size:1rem;font-family:inherit;background:#fbfcfe;}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--blue);border-color:var(--blue);}
.mt{margin-top:14px;}
.doc-title{font-size:1.15rem;margin:6px 0 16px;color:var(--blue-deep);}
.upload-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:24px;}
.upload{border:2px dashed var(--line);border-radius:12px;padding:22px 14px;text-align:center;cursor:pointer;transition:.15s;}
.upload:hover{border-color:var(--blue);background:var(--bg);}
.upload .uplabel{font-weight:700;font-size:.92rem;color:var(--blue-deep);}
.upload input{margin-top:10px;font-size:.82rem;width:100%;}
.alert{background:#fdecea;color:#b3261e;border:1px solid #f5c6c2;padding:12px 16px;border-radius:10px;margin-bottom:20px;text-align:center;font-weight:600;}
/* breakpoints */
.btn{min-height:44px;display:inline-flex;align-items:center;justify-content:center;}
@media(max-width:900px){
  .hero-inner{grid-template-columns:1fr;}
  .feature-grid,.req-grid,.steps,.upload-grid{grid-template-columns:1fr 1fr;}
  .contact-grid,.row{grid-template-columns:1fr;}
  .trust-grid{grid-template-columns:1fr;gap:14px;}
  .hero h1{font-size:2.1rem;}
  .nav-links{gap:14px;}
  .hero{padding:48px 0 54px;}
  .section{padding:52px 0;}
  .trust-grid strong{font-size:1rem;}
}
@media(max-width:560px){
  .container{padding:0 16px;}
  .feature-grid,.req-grid,.steps,.upload-grid{grid-template-columns:1fr;}
  .nav-inner{flex-direction:column;height:auto;padding:14px 0;gap:12px;}
  .nav-links{flex-wrap:wrap;justify-content:center;gap:10px 18px;font-size:.9rem;}
  .brand-logo{height:48px;}
  .hero h1{font-size:1.75rem;}
  .hero-sub{font-size:1rem;}
  .hero-actions{flex-direction:column;width:100%;}
  .hero-actions .btn{width:100%;}
  .section-title{font-size:1.6rem;}
  .rate-row{padding:12px 16px;font-size:.95rem;}
  .cta-box{padding:26px 20px;}
  .app-form{padding:20px 16px;}
  .field input,.field select,.field textarea{padding:14px;font-size:16px;} /* prevent iOS zoom */
  .upload input{font-size:.85rem;}
  .upload-grid{gap:12px;}
  .trust-grid{grid-template-columns:1fr;text-align:left;padding:18px 0;}
  .trust-grid div{padding:8px 0;border-bottom:1px solid rgba(255,255,255,.15);}
  .trust-grid div:last-child{border-bottom:none;}
  .hours li{max-width:100%;}
  .thanks{padding:48px 0;}
  .thanks h1{font-size:1.8rem;}
  .tick{width:72px;height:72px;font-size:40px;}
}
/* small phones */
@media(max-width:380px){
  .hero h1{font-size:1.5rem;}
  .upload-grid,.steps{grid-template-columns:1fr;}
  .nav-links a{font-size:.85rem;}
}
/* thanks */
.thanks{min-height:78vh;display:flex;align-items:center;padding:70px 0;}
.tick{width:84px;height:84px;border-radius:50%;background:var(--blue);color:#fff;font-size:48px;display:flex;align-items:center;justify-content:center;margin:0 auto 20px;font-weight:800;}
.thanks h1{font-size:2.2rem;color:var(--blue-deep);margin-bottom:12px;}
.thanks p{color:var(--muted);margin-bottom:14px;}
.ref{background:var(--bg);display:inline-block;padding:8px 18px;border-radius:10px;border:1px solid var(--line);}