[hidden]{display:none!important}
:root{
  --navy:#0A3161; --navy-2:#0d3d78; --red:#B22234; --red-2:#c92a3d;
  --ink:#1b2333; --muted:#5b6475; --line:#dde3ec; --bg:#f6f8fb; --white:#fff;
  --radius:14px; --shadow:0 10px 30px rgba(10,49,97,.12);
  --serif:Georgia,"Times New Roman",serif; --sans:"Helvetica Neue",Arial,Helvetica,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--white);line-height:1.55;font-size:17px}
a{color:var(--navy-2)}
img{max-width:100%;display:block}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
.flagbar{height:6px;background:repeating-linear-gradient(90deg,var(--red) 0 40px,#fff 40px 60px,var(--navy) 60px 100px,#fff 100px 120px)}

/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:74px;gap:16px}
.brand img{height:46px;width:auto}
.nav{display:flex;gap:26px;align-items:center}
.nav a{text-decoration:none;color:var(--ink);font-weight:600;font-size:15px}
.nav a:hover{color:var(--red)}
.btn{display:inline-block;border:0;cursor:pointer;text-decoration:none;font-weight:700;border-radius:999px;padding:14px 28px;font-size:17px;font-family:var(--sans);transition:transform .08s,background .2s}
.btn:active{transform:translateY(1px)}
.btn-red{background:var(--red);color:#fff!important}
.btn-red:hover{background:var(--red-2)}
.btn-ghost{background:transparent;color:var(--navy);border:2px solid var(--navy)}
.btn-sm{padding:10px 20px;font-size:15px}
@media (max-width:760px){.nav a:not(.btn){display:none}.brand img{height:38px}}

/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,rgba(178,34,52,.35),transparent 60%),linear-gradient(160deg,var(--navy) 0%,#082649 100%);color:#fff;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.18) 1.2px,transparent 1.3px);background-size:26px 26px;mask-image:linear-gradient(90deg,transparent 40%,#000);-webkit-mask-image:linear-gradient(90deg,transparent 40%,#000);pointer-events:none}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center;padding-top:70px;padding-bottom:80px;position:relative;z-index:1}
.eyebrow{display:inline-flex;gap:8px;align-items:center;font-size:13px;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:#ffd4d9}
.hero h1{font-family:var(--serif);font-size:clamp(38px,5.4vw,62px);line-height:1.05;margin:14px 0 16px}
.hero h1 em{font-style:normal;color:#ff6b78}
.hero p.lead{font-size:20px;color:#dbe4f3;max-width:560px;margin:0 0 28px}
.hero-points{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:26px;padding:0;list-style:none;color:#dbe4f3;font-size:15px}
.hero-points li::before{content:"★ ";color:#ff6b78}
.quick{background:#fff;color:var(--ink);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px;border-top:6px solid var(--red)}
.quick h2{font-family:var(--serif);margin:0 0 4px;font-size:26px;color:var(--navy)}
.quick p{margin:0 0 18px;color:var(--muted);font-size:15px}
.quick label{font-weight:700;font-size:14px;display:block;margin-bottom:6px}
.quick .btn{width:100%;margin-top:14px}
.quick small{display:block;margin-top:12px;color:var(--muted);font-size:12.5px;text-align:center}
@media (max-width:880px){.hero .wrap{grid-template-columns:1fr;padding-top:44px;padding-bottom:50px}}

/* sections */
section{padding:76px 0}
.section-title{text-align:center;max-width:720px;margin:0 auto 44px}
.section-title h2{font-family:var(--serif);color:var(--navy);font-size:clamp(28px,3.6vw,40px);margin:8px 0 10px;line-height:1.15}
.section-title p{color:var(--muted);margin:0}
.kicker{color:var(--red);font-weight:800;letter-spacing:.14em;text-transform:uppercase;font-size:13px}
.alt{background:var(--bg)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:s}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 26px;position:relative}
.step::before{counter-increment:s;content:counter(s);position:absolute;top:-20px;left:26px;width:42px;height:42px;border-radius:50%;background:var(--red);color:#fff;display:grid;place-items:center;font-weight:800;font-size:19px;box-shadow:0 0 0 5px #fff}
.step h3{margin:12px 0 8px;color:var(--navy);font-size:20px}
.step p{margin:0;color:var(--muted)}
@media (max-width:820px){.steps{grid-template-columns:1fr;gap:36px}}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:10px}
.stat{text-align:center;padding:22px 10px;border-radius:var(--radius);background:#fff;border:1px solid var(--line)}
.stat b{display:block;font-family:var(--serif);font-size:34px;color:var(--navy)}
.stat span{color:var(--muted);font-size:14px}
@media (max-width:820px){.stats{grid-template-columns:repeat(2,1fr)}}
.two{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
@media (max-width:820px){.two{grid-template-columns:1fr}}
.checks{list-style:none;padding:0;margin:0}
.checks li{padding:12px 0 12px 40px;position:relative;border-bottom:1px solid var(--line)}
.checks li::before{content:"✓";position:absolute;left:0;top:10px;width:28px;height:28px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;font-size:14px}
.badge-card{background:linear-gradient(160deg,var(--navy),#082649);color:#fff;border-radius:var(--radius);padding:34px;box-shadow:var(--shadow)}
.badge-card h3{font-family:var(--serif);font-size:26px;margin:0 0 10px}
.badge-card p{color:#dbe4f3;margin:0 0 18px}

/* faq */
.faq{max-width:820px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;padding:0 22px}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:18px 0;list-style:none;position:relative;padding-right:30px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:14px;font-size:24px;color:var(--red)}
.faq details[open] summary::after{content:"–"}
.faq details p,.faq details ol{margin:0 0 18px;color:var(--muted)}

/* apr */
.apr{font-size:15px;color:var(--muted)}
.apr h3{color:var(--navy);font-size:20px;margin:28px 0 8px}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:12px;background:#fff;margin:14px 0}
table{border-collapse:collapse;width:100%;min-width:760px;font-size:14px}
th,td{padding:11px 12px;text-align:right;border-bottom:1px solid var(--line);white-space:nowrap}
th{background:var(--navy);color:#fff;font-weight:700}
th:first-child,td:first-child{text-align:left}
tr:last-child td{border-bottom:0}
tbody tr:nth-child(even){background:#f8fafd}

/* cta band */
.cta-band{background:var(--red);color:#fff;text-align:center;padding:56px 0}
.cta-band h2{font-family:var(--serif);font-size:clamp(26px,3.4vw,36px);margin:0 0 18px}
.cta-band .btn{background:#fff;color:var(--red)!important}

/* footer */
.site-footer{background:#071f3d;color:#b9c6da;font-size:13.5px;padding:44px 0 30px}
.site-footer .top{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;border-bottom:1px solid rgba(255,255,255,.12);padding-bottom:22px;margin-bottom:22px}
.site-footer .top img{height:42px;width:auto}
.site-footer nav a{color:#fff;text-decoration:none;margin-left:20px;font-weight:600}
.site-footer nav a:first-child{margin-left:0}
.site-footer p{margin:0 0 12px;line-height:1.6}
.site-footer .disc{text-transform:none}

/* forms */
.field{margin-bottom:16px}
.field label{display:block;font-weight:700;font-size:14px;margin-bottom:6px;color:var(--ink)}
input[type=text],input[type=email],input[type=tel],select{width:100%;font-size:17px;padding:13px 14px;border:1.5px solid #c9d2df;border-radius:10px;background:#fff;color:var(--ink);font-family:var(--sans)}
input:focus,select:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(10,49,97,.15)}
.invalid input,.invalid select{border-color:var(--red)}
.err{color:var(--red);font-size:13px;margin-top:5px;display:none}
.invalid .err{display:block}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}
.grid3{display:grid;grid-template-columns:2fr 1fr 1fr;gap:0 14px}
@media (max-width:560px){.grid2,.grid3{grid-template-columns:1fr}}
.choices{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.choice{position:relative}
.choice input{position:absolute;opacity:0;pointer-events:none}
.choice span{display:block;text-align:center;padding:15px 10px;border:1.5px solid #c9d2df;border-radius:10px;font-weight:700;cursor:pointer;background:#fff}
.choice input:checked+span{border-color:var(--navy);background:var(--navy);color:#fff}
.choice input:focus-visible+span{box-shadow:0 0 0 3px rgba(10,49,97,.25)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:12.5px;color:var(--muted);line-height:1.5;margin:10px 0}
.consent input{margin-top:3px;width:18px;height:18px;flex:none}

/* apply page */
.apply-body{background:var(--bg)}
.apply-shell{max-width:640px;margin:36px auto 60px;padding:0 18px}
.card{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:34px 32px;border-top:6px solid var(--red)}
@media (max-width:560px){.card{padding:26px 20px}}
.card h1{font-family:var(--serif);color:var(--navy);margin:0 0 4px;font-size:30px}
.secure{color:var(--muted);font-size:14px;margin:0 0 20px}
.secure::before{content:"🔒 "}
.progress{height:10px;background:#e7ecf3;border-radius:99px;overflow:hidden;margin:6px 0 4px}
.progress div{height:100%;width:0;background:repeating-linear-gradient(45deg,var(--red) 0 12px,var(--red-2) 12px 24px);transition:width .35s}
.progress-label{display:flex;justify-content:space-between;font-size:12px;color:var(--muted);margin-bottom:22px}
.step-pane{display:none}
.step-pane.active{display:block;animation:fade .25s}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.step-pane h2{font-size:22px;color:var(--navy);margin:0 0 16px}
.form-nav{display:flex;justify-content:space-between;gap:12px;margin-top:22px}
.form-nav .btn-red{flex:1}
.form-error{background:#fdecee;color:var(--red);border-radius:10px;padding:12px 14px;font-size:14px;margin-top:14px;display:none}
.done{text-align:center;padding:10px 0}
.done .seal{width:84px;margin:0 auto 14px}
.done h2{font-family:var(--serif);color:var(--navy);font-size:28px;margin:0 0 10px}
.done p{color:var(--muted)}
.mini-disc{font-size:12px;color:var(--muted);margin-top:24px;line-height:1.55}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* legal pages */
.legal{max-width:820px;margin:0 auto;padding:50px 22px 70px}
.legal h1{font-family:var(--serif);color:var(--navy)}
.legal h2{color:var(--navy);font-size:20px;margin-top:30px}
.legal p,.legal li{color:#3a4456;font-size:16px}