.header{flex-shrink:0;position:sticky;top:0;z-index:100;background:color-mix(in srgb,var(--color-surface) 80%,transparent);backdrop-filter:saturate(180%) blur(14px);-webkit-backdrop-filter:saturate(180%) blur(14px);border-bottom:1px solid var(--color-border-subtle);padding:0 1.25rem}.header-inner{position:relative;display:flex;align-items:center;justify-content:space-between;max-width:1140px;margin:0 auto;min-height:4rem}.header-brand{display:inline-flex;align-items:center;gap:.6rem;font-family:var(--font-display);font-weight:700;font-size:1.15rem;color:var(--color-text);text-decoration:none;letter-spacing:-.02em;transition:transform var(--transition)}.header-brand:hover{transform:translateY(-1px);color:var(--color-text)}.header-logo{display:inline-flex;align-items:center;justify-content:center;width:2.1rem;height:2.1rem;border-radius:11px;background:var(--grad-brand);color:#fff;box-shadow:var(--shadow-brand)}.header-brand-accent{color:var(--color-main)}.header-menu-btn{display:none;align-items:center;justify-content:center;width:2.5rem;height:2.5rem;padding:0;background:none;border:none;border-radius:var(--radius-sm);color:var(--color-text);font-size:1.35rem;cursor:pointer;transition:background var(--transition),color var(--transition)}.header-menu-btn:hover{background:var(--color-bg-subtle);color:var(--color-main)}.header-theme-btn{display:inline-flex;align-items:center;justify-content:center;width:2.4rem;height:2.4rem;padding:0;margin-left:.35rem;background:var(--color-bg-subtle);border:1px solid var(--color-border-subtle);border-radius:var(--radius-pill);color:var(--color-text-secondary);font-size:1.05rem;cursor:pointer;transition:background var(--transition),color var(--transition),transform var(--transition)}.header-theme-btn:hover{color:var(--color-main);transform:rotate(-12deg)}.header-nav{display:flex;align-items:center;gap:.35rem}.header-link{padding:.5rem .9rem;font-size:.9375rem;font-weight:500;color:var(--color-text-secondary);text-decoration:none;border-radius:var(--radius-pill);transition:color var(--transition),background var(--transition)}.header-link:hover{color:var(--color-main);background:var(--color-main-light)}.header-link--active{color:var(--color-main);font-weight:600}.header-cta{margin-left:.5rem;padding:.6rem 1.3rem;font-family:var(--font-display);font-size:.9375rem;font-weight:600;color:#fff;background:var(--grad-brand);border-radius:var(--radius-pill);box-shadow:var(--shadow-brand);transition:transform var(--transition),box-shadow var(--transition),filter var(--transition)}.header-cta:hover{color:#fff;transform:translateY(-2px);filter:brightness(1.04);box-shadow:0 14px 34px var(--color-main-glow)}.header-cta.header-link--active{color:#fff}@media (max-width: 720px){.header-inner{flex-wrap:nowrap;gap:.5rem;min-height:3.5rem}.header-menu-btn{display:inline-flex;order:2}.header-nav{position:absolute;top:100%;left:0;right:0;margin-top:.5rem;flex-direction:column;align-items:stretch;gap:.25rem;background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-md);box-shadow:var(--shadow-lg);padding:.65rem;max-height:0;overflow:hidden;opacity:0;visibility:hidden;transition:max-height .28s ease,opacity .2s ease,visibility .2s}.header-nav--open{max-height:24rem;opacity:1;visibility:visible}.header-link{padding:.75rem .85rem;font-size:1rem}.header-theme-btn{margin-left:0;margin-top:.35rem;align-self:flex-start}.header-cta{margin-left:0;margin-top:.35rem;text-align:center;padding:.8rem 1.3rem}}.container{max-width:1140px;margin:0 auto;padding:2.5rem 1.5rem}.container--narrow{max-width:680px}.page--apply{padding-bottom:0}.apply-band{background:var(--grad-brand);color:#fff;padding:3rem 1.5rem}.apply-band-inner{max-width:560px;margin:0 auto}.hero{position:relative;display:flex;align-items:center;min-height:clamp(440px,72vh,640px);padding:3rem 1.5rem;overflow:hidden;isolation:isolate}.hero-bg{position:absolute;top:0;right:0;bottom:0;left:0;z-index:-1}.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:center 52%}.hero-overlay{position:absolute;top:0;right:0;bottom:0;left:0;background:var(--grad-hero-overlay)}.hero-content{position:relative;max-width:1140px;width:100%;margin:0 auto}.hero-badge{display:inline-flex;align-items:center;gap:.55rem;padding:.4rem .95rem .4rem .8rem;margin-bottom:1.35rem;font-size:.8125rem;font-weight:600;letter-spacing:.02em;color:#fff;background:#ffffff24;border:1px solid rgba(255,255,255,.3);border-radius:var(--radius-pill);-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px)}.hero-badge-dot{width:.5rem;height:.5rem;border-radius:50%;background:var(--color-amber);box-shadow:0 0 0 4px #ffb64840}.hero-title{margin:0 0 1.1rem;max-width:18ch;font-family:var(--font-display);font-size:clamp(2.4rem,6vw,4.25rem);font-weight:700;line-height:1.04;letter-spacing:-.03em;color:#fff;text-shadow:0 2px 24px rgba(7,24,56,.35)}.hero-title-accent{color:var(--color-amber)}.hero-lead{margin:0 0 1.4rem;max-width:46ch;font-size:clamp(1rem,2vw,1.1875rem);line-height:1.55;color:#ffffffeb}.hero-actions{display:flex;flex-wrap:wrap;gap:.85rem;margin-bottom:1.75rem}.hero-trust{display:flex;flex-wrap:wrap;gap:.5rem 1.5rem;font-size:.9rem;font-weight:500;color:#ffffffeb}.stats-strip{background:var(--color-surface);border-bottom:1px solid var(--color-border-subtle)}.stats-inner{max-width:1140px;margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;padding:1.75rem 1.5rem}.stat-item{text-align:center;display:flex;flex-direction:column;gap:.2rem}.stat-value{font-family:var(--font-display);font-size:clamp(1.5rem,3.2vw,2.125rem);font-weight:700;letter-spacing:-.02em;color:var(--color-main)}.stat-label{font-size:.85rem;color:var(--color-text-muted);font-weight:500}@media (max-width: 480px){.stats-inner{grid-template-columns:repeat(3,1fr);gap:1.5rem .5rem}}.feature-split-inner{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center}.feature-media{border-radius:var(--radius-xl);overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4 / 3;opacity:0}.feature-media img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .5s ease}.feature-media:hover img{transform:scale(1.05)}.perk-list{list-style:none;margin:1.25rem 0 0;padding:0;display:flex;flex-direction:column;gap:1.25rem}.perk-item{display:grid;grid-template-columns:auto 1fr;gap:1rem;align-items:start;opacity:0}.perk-icon{display:inline-flex;align-items:center;justify-content:center;width:2.75rem;height:2.75rem;border-radius:var(--radius-md);background:var(--color-teal-light);color:var(--color-teal)}.perk-icon svg{width:1.4rem;height:1.4rem}.perk-title{margin:0 0 .2rem;font-family:var(--font-display);font-size:1.0625rem;font-weight:600;color:var(--color-text)}.perk-text{margin:0;font-size:.9375rem;color:var(--color-text-secondary);line-height:1.55}.feature-paragraph{margin:1rem 0 1.25rem;font-size:1rem;color:var(--color-text-secondary);line-height:1.65}.check-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.75rem}.check-list li{position:relative;padding-left:1.85rem;font-size:.9688rem;color:var(--color-text-secondary);opacity:0}.check-list li:before{content:"";position:absolute;left:0;top:.05rem;width:1.25rem;height:1.25rem;border-radius:50%;background:var(--color-teal-light);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%2316b8c4' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:center}@media (max-width: 760px){.feature-split-inner{grid-template-columns:1fr;gap:2rem}.feature-split--reverse .feature-media{order:-1}}.image-band{position:relative;display:flex;align-items:center;min-height:360px;padding:4rem 1.5rem;overflow:hidden;isolation:isolate}.image-band-bg{position:absolute;top:0;right:0;bottom:0;left:0;z-index:-1}.image-band-bg img{width:100%;height:100%;object-fit:cover;object-position:center}.image-band-overlay{position:absolute;top:0;right:0;bottom:0;left:0;background:linear-gradient(90deg,#071838c7,#07183880 55%,#07183840)}.image-band-content{position:relative;max-width:1140px;width:100%;margin:0 auto}.image-band-quote{margin:0 0 .75rem;max-width:28ch;font-family:var(--font-display);font-size:clamp(1.35rem,3vw,2rem);font-weight:600;line-height:1.3;letter-spacing:-.01em;color:#fff}.image-band-author{margin:0;font-size:.95rem;font-weight:500;color:#ffffffd9}.apply-intro{text-align:center;margin-bottom:2rem}.apply-intro-title{margin:0 0 .65rem;font-family:var(--font-display);font-size:clamp(1.6rem,3.5vw,2.125rem);font-weight:700;letter-spacing:-.02em;color:var(--color-text)}.apply-intro-text{margin:0 auto;max-width:42ch;font-size:1rem;color:var(--color-text-secondary);line-height:1.6}.cta-band{position:relative;padding:4.5rem 1.5rem;overflow:hidden;isolation:isolate;text-align:center}.cta-bg{position:absolute;top:0;right:0;bottom:0;left:0;z-index:-1}.cta-bg img{width:100%;height:100%;object-fit:cover}.cta-overlay{position:absolute;top:0;right:0;bottom:0;left:0;background:linear-gradient(135deg,#0a6cffd1,#16b8c4c7)}.cta-content{position:relative;max-width:640px;margin:0 auto}.cta-title{margin:0 0 .75rem;font-family:var(--font-display);font-size:clamp(1.75rem,4vw,2.75rem);font-weight:700;letter-spacing:-.02em;color:#fff}.cta-text{margin:0 0 1.75rem;font-size:1.0625rem;line-height:1.55;color:#fffffff0}.apply-band-title{margin:0 0 .35rem;font-family:var(--font-display);font-size:clamp(1.5rem,4vw,1.875rem);font-weight:600;letter-spacing:-.02em;line-height:1.25}.apply-band-lead{margin:0;font-size:.9375rem;opacity:.92;line-height:1.5}.page-band{position:relative;color:#fff;padding:3.5rem 1.5rem;overflow:hidden;isolation:isolate}.page-band:after{content:"";position:absolute;top:0;right:0;bottom:0;left:0;z-index:-1;background:var(--grad-brand)}.page-band-bg{position:absolute;top:0;right:0;bottom:0;left:0;z-index:-2}.page-band-bg img{width:100%;height:100%;object-fit:cover}.page-band--photo:after{background:linear-gradient(135deg,#0a6cffdb,#16b8c4d1)}.page-band-inner{position:relative;max-width:1140px;margin:0 auto}.page-band-title{margin:0 0 .5rem;font-family:var(--font-display);font-size:clamp(1.75rem,4vw,2.75rem);font-weight:700;letter-spacing:-.02em;line-height:1.15}.page-band-lead{margin:0;font-size:clamp(1rem,2vw,1.125rem);opacity:.95;line-height:1.5;max-width:52ch}.apply-body{padding:3.5rem 1.5rem 4.5rem}.apply-body-inner{max-width:600px;margin:0 auto}.application-form .form-heading{margin-bottom:1.25rem}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem 1.25rem;margin-bottom:1.5rem}.application-form .form-row{margin-bottom:0}.form-note{margin:1rem 0 0;font-size:.8125rem;color:var(--color-text-muted);line-height:1.5}@media (max-width: 540px){.form-grid{grid-template-columns:1fr}}.btn{display:inline-flex;align-items:center;justify-content:center;padding:.875rem 1.75rem;font-family:var(--font-display);font-size:1rem;font-weight:600;border:none;border-radius:var(--radius-md);cursor:pointer;transition:background var(--transition),color var(--transition),transform .15s ease,box-shadow var(--transition)}.btn--primary{background:var(--grad-brand);color:#fff;box-shadow:var(--shadow-brand)}.btn--primary:hover{transform:translateY(-2px);filter:brightness(1.05);box-shadow:0 14px 34px var(--color-main-glow);color:#fff}.btn--primary:active{transform:translateY(0)}.btn--warm{background:var(--grad-warm);color:#2a1410;box-shadow:0 12px 30px #ff6a5e59}.btn--warm:hover{transform:translateY(-2px);filter:brightness(1.04);color:#2a1410}.btn--ghost{background:#ffffff1f;color:#fff;border:1px solid rgba(255,255,255,.55);-webkit-backdrop-filter:blur(4px);backdrop-filter:blur(4px)}.btn--ghost:hover{background:#ffffff38;color:#fff;transform:translateY(-2px)}.btn--lg{padding:1rem 2rem;font-size:1.0625rem;border-radius:var(--radius-pill)}.btn:disabled{opacity:.6;cursor:not-allowed}.btn--block{width:100%;padding:.9rem 1.5rem}.section-eyebrow{margin:0 0 .5rem;font-family:var(--font-display);font-size:.8125rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--color-teal)}[data-theme=dark] .section-eyebrow{color:var(--color-teal)}.section{padding:2rem 0 3rem}.section-title{margin:0 0 1.75rem;font-family:var(--font-display);font-size:clamp(1.6rem,3vw,2.125rem);font-weight:700;color:var(--color-text);letter-spacing:-.02em;line-height:1.15}.application-form{background:var(--color-surface-elevated);border:1px solid var(--color-border-subtle);border-radius:var(--radius-xl);padding:2.25rem;box-shadow:var(--shadow-md)}@media (max-width: 540px){.application-form{padding:1.5rem}}.form-heading{margin:0 0 .25rem;font-family:var(--font-display);font-size:1.125rem;font-weight:600;color:var(--color-text)}.application-form .form-intro{margin-bottom:1.25rem}.form-intro{text-align:center;margin:0 0 1.5rem;font-size:.9375rem;color:var(--color-text-muted)}.form-hint{display:block;margin-top:.35rem;font-size:.8125rem;color:var(--color-text-muted)}.form-row{margin-bottom:1.25rem}.application-form .form-grid .form-row{margin-bottom:0}.form-row:last-of-type{margin-bottom:1.75rem}.form-label{display:block;margin-bottom:.4rem;font-size:.875rem;font-weight:500;color:var(--color-text-secondary)}.form-input{width:100%;padding:.75rem 1rem;font-family:var(--font-sans);font-size:1rem;unicode-bidi:plaintext;border:1px solid var(--color-border);border-radius:var(--radius-sm);background:var(--color-surface);color:var(--color-text);transition:border-color var(--transition),box-shadow var(--transition)}.form-input::placeholder{color:var(--color-text-muted)}.form-input:hover{border-color:var(--color-border)}.form-input:focus{outline:none;border-color:var(--color-main);box-shadow:0 0 0 3px var(--color-main-light)}.form-select{cursor:pointer;-webkit-appearance:none;-moz-appearance:none;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%236b7280' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right .75rem center;padding-right:2.25rem}.form-input--error{border-color:#dc2626}.form-input--error:focus{box-shadow:0 0 0 3px #dc262633}.form-error{display:block;margin-top:.35rem;font-size:.8125rem;color:#dc2626}.form-textarea{resize:none;min-height:4.5rem;overflow:hidden;line-height:1.5}.form-char-count{display:block;margin-top:.25rem;font-size:.75rem;color:var(--color-text-muted);text-align:right}.page-title{margin:0 0 .5rem;font-family:var(--font-display);font-size:clamp(1.5rem,3.5vw,1.875rem);font-weight:600;color:var(--color-text);letter-spacing:-.02em;line-height:1.3}.page-lead{margin:0 0 1.5rem;font-size:1rem;color:var(--color-text-secondary);max-width:42ch;line-height:1.6}.container--about{max-width:720px}.about-list{display:flex;flex-direction:column;gap:0}.about-item{display:grid;grid-template-columns:auto 1fr;gap:1.25rem 1.5rem;padding:1.5rem 0;border-bottom:1px solid var(--color-border-subtle);align-items:start}.about-item:last-child{border-bottom:none}.about-item-num{font-family:var(--font-display);font-size:1.5rem;font-weight:700;color:var(--color-main);line-height:1}.about-item-title{margin:0 0 .35rem;font-family:var(--font-display);font-size:1.0625rem;font-weight:600;color:var(--color-text)}.about-item-text{margin:0;font-size:.9375rem;color:var(--color-text-secondary);line-height:1.55}.contact-list{margin:0;padding:0}.contact-row{display:grid;grid-template-columns:6rem 1fr;gap:1rem;padding:1rem 0;border-bottom:1px solid var(--color-border-subtle);align-items:baseline}.contact-row:last-child{border-bottom:none}.contact-label{margin:0;font-size:.8125rem;font-weight:500;text-transform:uppercase;letter-spacing:.04em;color:var(--color-text-muted)}.contact-value{margin:0;font-size:1rem;color:var(--color-text)}.contact-value a{font-weight:500}@media (max-width: 480px){.contact-row{grid-template-columns:1fr;gap:.25rem}}.legal-content{background:var(--color-surface-elevated);border-radius:var(--radius-lg);padding:2rem 2.25rem;border:1px solid var(--color-border-subtle)}.legal-content h2{margin:2rem 0 .5rem;font-family:var(--font-display);font-size:1.25rem;font-weight:600;color:var(--color-text);letter-spacing:-.02em}.legal-content h2:first-child{margin-top:0}.legal-content p{margin:0 0 1.25rem;color:var(--color-text-secondary);line-height:1.65}.legal-content p:last-child{margin-bottom:0}@keyframes fadeInUp{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}.animate-in{opacity:0;transform:translateY(12px)}.animate-in-visible{animation:fadeInUp .45s ease-out forwards}.rates-strip{background:var(--color-bg-subtle);padding:.75rem 1.5rem;border-bottom:1px solid var(--color-border-subtle)}.rates-strip-inner{max-width:1100px;margin:0 auto;display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:1.5rem 2rem}.rates-item{font-size:.875rem;font-weight:500;color:var(--color-text-secondary)}.how-it-works-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:1.5rem}.how-it-works-item{position:relative;background:var(--color-surface-elevated);border:1px solid var(--color-border-subtle);border-radius:var(--radius-lg);padding:1.75rem;opacity:0;box-shadow:var(--shadow-sm);transition:transform var(--transition),box-shadow var(--transition),border-color var(--transition)}.how-it-works-item:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:var(--color-main-light)}.how-it-works-icon{display:inline-flex;align-items:center;justify-content:center;width:3rem;height:3rem;border-radius:var(--radius-md);background:var(--color-main-light);color:var(--color-main);margin-bottom:1rem}.how-it-works-icon svg{width:1.5rem;height:1.5rem}.how-it-works-num{display:block;font-family:var(--font-display);font-weight:700;font-size:.75rem;letter-spacing:.06em;text-transform:uppercase;color:var(--color-teal);margin-bottom:.35rem}.how-it-works-title{margin:0 0 .35rem;font-family:var(--font-display);font-size:1.125rem;font-weight:600;color:var(--color-text)}.how-it-works-text{margin:0;font-size:.9375rem;color:var(--color-text-secondary);line-height:1.5}.calculator-section{padding-top:0}.calculator-card{position:relative;background:var(--color-surface-elevated);border:1px solid var(--color-border-subtle);border-radius:var(--radius-xl);padding:2.5rem;opacity:0;box-shadow:var(--shadow-md);overflow:hidden}.calculator-card:before{content:"";position:absolute;top:0;left:0;right:0;height:5px;background:var(--grad-brand)}.calculator-section .container{max-width:760px}.calculator-note{margin:0 0 1.25rem;font-size:.9375rem;color:var(--color-text-muted);line-height:1.5}.calculator-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem;margin-bottom:1.25rem}.calculator-other-row{grid-column:1 / -1}@media (max-width: 480px){.calculator-grid{grid-template-columns:1fr}}.calculator-result{margin:0;padding:1.1rem 1.35rem;border-radius:var(--radius-md);background:var(--color-main-light);font-size:1.0625rem;color:var(--color-text)}.calculator-result strong{font-family:var(--font-display);font-size:1.4rem;color:var(--color-main)}.apply-body--success{padding:3rem 1.5rem 4rem}.success-card,.contact-success-card{background:var(--color-surface-elevated);border:1px solid var(--color-border-subtle);border-radius:var(--radius-lg);padding:2.5rem;text-align:center;animation:fadeInUp .45s ease-out forwards}.success-icon{display:inline-flex;align-items:center;justify-content:center;width:3.5rem;height:3.5rem;border-radius:50%;background:var(--color-main-light);color:var(--color-main);font-size:1.5rem;font-weight:700;margin-bottom:1.25rem}.success-title{margin:0 0 .5rem;font-family:var(--font-display);font-size:1.5rem;font-weight:600;color:var(--color-text)}.success-text{margin:0 0 1.5rem;font-size:1rem;color:var(--color-text-secondary);line-height:1.6}.success-text strong{color:var(--color-text)}.not-found-section{padding:4rem 1.5rem}.not-found-card{text-align:center;padding:3rem 2rem;background:var(--color-surface-elevated);border-radius:var(--radius-lg);border:1px solid var(--color-border-subtle);animation:fadeInUp .45s ease-out forwards}.not-found-code{margin:0 0 .5rem;font-family:var(--font-display);font-size:4rem;font-weight:700;color:var(--color-main);line-height:1}.not-found-title{margin:0 0 .5rem;font-family:var(--font-display);font-size:1.5rem;font-weight:600;color:var(--color-text)}.not-found-text{margin:0 0 1.5rem;color:var(--color-text-secondary);line-height:1.5}.faq-section{padding-top:0}.faq-list{display:flex;flex-direction:column;gap:0}.faq-item{border-bottom:1px solid var(--color-border-subtle);opacity:0}.faq-item:last-child{border-bottom:none}.faq-question{width:100%;display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:1.25rem 0;font-family:var(--font-sans);font-size:1rem;font-weight:500;color:var(--color-text);text-align:left;background:none;border:none;cursor:pointer;transition:color var(--transition)}.faq-question:hover{color:var(--color-main)}.faq-icon{flex-shrink:0;font-size:1.25rem;font-weight:400;color:var(--color-text-muted)}.faq-item[data-open] .faq-icon{color:var(--color-main)}.faq-answer{overflow:hidden}.faq-answer p{margin:0 0 1.25rem;padding:0 0 1.25rem;font-size:.9375rem;color:var(--color-text-secondary);line-height:1.6}.faq-answer p:last-child{margin-bottom:0;padding-bottom:0}.contact-form-wrap{margin-top:2.5rem;padding-top:2.5rem;border-top:1px solid var(--color-border-subtle);opacity:0}.contact-form .section-title,.contact-form .form-row{margin-bottom:1.25rem}.contact-form .btn{margin-top:.25rem}@media (max-width: 640px){.container{padding:1.5rem 1rem}.section{padding:1.5rem 0 2.25rem}.hero{min-height:clamp(340px,70vh,500px);padding:2rem 1rem;align-items:flex-end}.hero-badge{font-size:.75rem;padding:.3rem .75rem .3rem .6rem;margin-bottom:.9rem}.hero-title{font-size:clamp(1.75rem,9vw,2.5rem);max-width:none;margin-bottom:.85rem}.hero-lead{font-size:.9375rem;max-width:none;margin-bottom:1.1rem}.hero-actions{flex-direction:column;align-items:stretch;gap:.65rem;margin-bottom:1.25rem}.hero-actions .btn{width:100%;justify-content:center}.hero-trust{gap:.3rem .9rem;font-size:.8125rem}.stats-inner{padding:1.1rem 1rem;gap:.2rem}.stat-value{font-size:1.2rem}.stat-label{font-size:.73rem}.how-it-works-grid{gap:.85rem}.how-it-works-item{padding:1.35rem 1.2rem}.image-band{min-height:180px;padding:2.25rem 1rem}.page-band{padding:2.5rem 1rem}.apply-band{padding:2rem 1rem}.apply-body{padding:2rem 1rem 3rem}.apply-intro{margin-bottom:1.5rem}.calculator-card{padding:1.5rem 1.25rem}.cta-band{padding:3rem 1rem}.cta-text{font-size:1rem}.success-card,.contact-success-card{padding:2rem 1.25rem}.not-found-section{padding:2.5rem 1rem}.not-found-card{padding:2rem 1.25rem}.legal-content{padding:1.5rem 1.25rem;border-radius:var(--radius-md)}.contact-form-wrap{margin-top:2rem;padding-top:2rem}.contact-form .btn{width:100%}}@media (max-width: 400px){.how-it-works-grid{grid-template-columns:1fr}.stat-value{font-size:1.05rem}.stat-label{font-size:.7rem}.hero-title{font-size:clamp(1.6rem,9.5vw,2rem)}}:root{--color-main: #0a6cff;--color-main-hover: #0056e0;--color-main-light: #e7f0ff;--color-main-dark: #0047b8;--color-main-glow: rgba(10, 108, 255, .28);--color-accent: #ff6a5e;--color-accent-hover: #f25247;--color-accent-light: #ffe9e6;--color-teal: #16b8c4;--color-teal-light: #e1f7f9;--color-amber: #ffb648;--grad-brand: linear-gradient(135deg, #0a6cff 0%, #16b8c4 100%);--grad-warm: linear-gradient(135deg, #ff6a5e 0%, #ffb648 100%);--grad-hero-overlay: linear-gradient(180deg, rgba(7, 24, 56, .2) 0%, rgba(7, 24, 56, .55) 55%, rgba(7, 24, 56, .82) 100%);--color-bg: #f6f8fc;--color-bg-subtle: #eef2f9;--color-surface: #ffffff;--color-surface-elevated: #ffffff;--color-text: #0e1726;--color-text-secondary: #3c4658;--color-text-muted: #6b7689;--color-border: #e4e9f2;--color-border-subtle: #eef1f7;--shadow-sm: 0 1px 2px rgba(16, 31, 64, .05);--shadow-md: 0 6px 18px rgba(16, 31, 64, .08), 0 2px 6px rgba(16, 31, 64, .05);--shadow-lg: 0 18px 50px rgba(16, 31, 64, .12), 0 6px 16px rgba(16, 31, 64, .06);--shadow-brand: 0 12px 30px var(--color-main-glow);--radius-sm: 10px;--radius-md: 14px;--radius-lg: 20px;--radius-xl: 28px;--radius-pill: 999px;--transition: .2s ease;--font-sans: "DM Sans", "Noto Sans SC", "Noto Sans Arabic", "Noto Sans Hebrew", ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, sans-serif;--font-display: "Outfit", var(--font-sans)}[data-theme=dark]{--color-main: #4d97ff;--color-main-hover: #6daaff;--color-main-light: rgba(77, 151, 255, .16);--color-main-dark: #3b7ae8;--color-main-glow: rgba(77, 151, 255, .22);--color-accent: #ff7a6f;--color-accent-hover: #ff8e85;--color-accent-light: rgba(255, 122, 111, .16);--color-teal: #3fd0db;--color-teal-light: rgba(63, 208, 219, .16);--grad-hero-overlay: linear-gradient(180deg, rgba(4, 12, 28, .3) 0%, rgba(4, 12, 28, .62) 55%, rgba(4, 12, 28, .88) 100%);--color-bg: #0c121c;--color-bg-subtle: #141c28;--color-surface: #151e2b;--color-surface-elevated: #1c2738;--color-text: #e8edf5;--color-text-secondary: #9aa7b8;--color-text-muted: #6f7c8e;--color-border: #2a3647;--color-border-subtle: #222d3c;--shadow-sm: 0 1px 2px rgba(0, 0, 0, .3);--shadow-md: 0 6px 18px rgba(0, 0, 0, .35);--shadow-lg: 0 18px 50px rgba(0, 0, 0, .45);--shadow-brand: 0 12px 30px var(--color-main-glow)}*,*:before,*:after{box-sizing:border-box}:focus-visible{outline:2px solid var(--color-main);outline-offset:2px}html{scroll-behavior:smooth}body{margin:0;padding:0;min-height:100vh;font-family:var(--font-sans);background:var(--color-bg);color:var(--color-text);line-height:1.6;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}#root{min-height:100vh;display:flex;flex-direction:column}a{color:var(--color-main);text-decoration:none;transition:color var(--transition)}a:hover{color:var(--color-main-hover)}.main{flex:1 0 auto}.footer{flex-shrink:0;margin-top:auto;background:var(--color-surface);border-top:1px solid var(--color-border);padding:2.5rem 1.5rem 2rem}.footer-inner{max-width:1140px;margin:0 auto;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:1.25rem}.footer-brand{display:inline-flex;align-items:center;gap:.55rem;font-family:var(--font-display);font-weight:700;font-size:1.05rem;color:var(--color-text);text-decoration:none;letter-spacing:-.01em}.footer-brand:hover{color:var(--color-main)}.footer-dot{width:1.7rem;height:1.7rem;border-radius:8px;background:var(--grad-brand);display:inline-flex;align-items:center;justify-content:center;color:#fff;box-shadow:var(--shadow-brand)}.footer-nav{display:flex;gap:1.25rem}.footer-nav a{font-size:.9rem;color:var(--color-text-secondary);font-weight:500}.footer-nav a:hover{color:var(--color-main)}.footer-copy{width:100%;margin:.5rem 0 0;padding-top:1.25rem;border-top:1px solid var(--color-border-subtle);font-size:.8125rem;color:var(--color-text-muted)}@media (max-width: 640px){.footer{padding:2rem 1rem 1.5rem}.footer-inner{flex-direction:column;align-items:flex-start;gap:.75rem}.footer-nav{gap:1rem}.footer-copy{margin-top:.25rem;padding-top:1rem;font-size:.8rem}}