:root {
  --navy: #0b2a4a;
  --navy-deep: #071e36;
  --blue: #2f7fe8;
  --blue-soft: #e8f2ff;
  --text: #1a2330;
  --muted: #5a6573;
  --line: #c5daf5;
  --header-bg: #eef3f8;
  --footer-bg: #d9e4ef;
  --white: #ffffff;
  --radius: 10px;
  --shadow: 0 10px 28px rgba(11, 42, 74, 0.12);
  --font: "Open Sans", "Segoe UI", sans-serif;
  --display: "Montserrat", "Open Sans", sans-serif;
  --serif: "Libre Baskerville", Georgia, serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font);
  color: var(--text);
  background: var(--white);
  line-height: 1.5;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
}

.container {
  width: min(1120px, calc(100% - 32px));
  margin-inline: auto;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0.7rem 1.4rem;
  border-radius: 6px;
  border: 0;
  font-family: var(--font);
  font-weight: 700;
  font-size: 0.95rem;
  cursor: pointer;
  transition: transform 0.2s ease, background 0.2s ease, box-shadow 0.2s ease;
}

.btn:hover {
  transform: translateY(-1px);
  box-shadow: 0 6px 16px rgba(11, 42, 74, 0.22);
}

.btn-navy {
  background: var(--navy);
  color: var(--white);
}

.btn-navy:hover {
  background: var(--navy-deep);
}

.btn-lg {
  min-width: 180px;
  min-height: 52px;
  font-size: 1.05rem;
  padding-inline: 2rem;
}

/* Header */
.site-header {
  background: var(--white);
  border-bottom: 1px solid #e8eef5;
  position: sticky;
  top: 0;
  z-index: 40;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-height: 76px;
}

.logo {
  display: flex;
  flex-direction: column;
  line-height: 1.05;
}

.logo-mark {
  font-family: var(--display);
  font-weight: 800;
  font-size: 1.35rem;
  color: var(--navy);
  letter-spacing: -0.02em;
}

.logo-sub {
  font-family: var(--display);
  font-weight: 600;
  font-size: 0.78rem;
  color: var(--blue);
  letter-spacing: 0.04em;
  text-transform: none;
}

.logo-serif .logo-mark {
  font-family: var(--serif);
  font-size: 1.45rem;
  color: var(--navy);
}

.logo-serif .logo-sub {
  font-family: var(--font);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  color: var(--navy);
  margin-top: 0.15rem;
}

.header-cta {
  display: flex;
  align-items: center;
  gap: 0.85rem;
}

.header-cta-text {
  margin: 0;
  font-size: 0.85rem;
  color: var(--muted);
  max-width: 220px;
  text-align: right;
}

/* Hero */
.hero {
  position: relative;
  padding-bottom: 4.5rem;
}

.hero-media {
  position: relative;
  min-height: clamp(280px, 42vw, 420px);
  overflow: hidden;
}

.hero-media img {
  width: 100%;
  height: clamp(280px, 42vw, 420px);
  object-fit: cover;
  object-position: center 35%;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    180deg,
    rgba(7, 30, 54, 0.35) 0%,
    rgba(7, 30, 54, 0.55) 55%,
    rgba(7, 30, 54, 0.72) 100%
  );
}

.hero-content {
  position: absolute;
  left: 50%;
  top: 42%;
  transform: translate(-50%, -50%);
  width: min(900px, calc(100% - 32px));
  text-align: center;
  color: var(--white);
  z-index: 2;
}

.hero-content h1 {
  margin: 0;
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(1.55rem, 3.4vw, 2.55rem);
  line-height: 1.2;
  text-shadow: 0 2px 12px rgba(0, 0, 0, 0.25);
}

.hero-range {
  margin: 0.85rem 0 0;
  font-size: clamp(1.05rem, 2vw, 1.35rem);
  font-weight: 600;
}

.hero-card {
  position: relative;
  z-index: 3;
  width: min(520px, calc(100% - 32px));
  margin: -3.25rem auto 0;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.5rem 1.25rem 1.25rem;
  text-align: center;
  animation: rise-in 0.7s ease both;
}

.hero-card-note {
  margin: 0.85rem 0 0;
  font-size: 0.9rem;
  color: var(--muted);
}

@keyframes rise-in {
  from {
    opacity: 0;
    transform: translateY(16px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* Sections */
.section-title {
  margin: 0 0 2rem;
  text-align: center;
  font-family: var(--display);
  font-size: clamp(1.4rem, 2.5vw, 1.9rem);
  font-weight: 800;
  color: var(--navy);
}

.section-title span {
  color: var(--blue);
}

.section-title::after {
  content: "";
  display: block;
  width: 56px;
  height: 3px;
  background: var(--blue);
  margin: 0.75rem auto 0;
  border-radius: 2px;
}

.how-it-works,
.why-choose {
  padding: 3.5rem 0 2.5rem;
}

.steps {
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr;
  gap: 0.75rem;
  align-items: stretch;
}

.step-card,
.feature-card {
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: var(--radius);
  padding: 1.5rem 1.15rem 1.35rem;
  text-align: center;
  position: relative;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.step-card:hover,
.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}

.step-num {
  position: absolute;
  top: -12px;
  left: 50%;
  transform: translateX(-50%);
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--blue);
  color: var(--white);
  font-size: 0.85rem;
  font-weight: 700;
  display: grid;
  place-items: center;
}

.step-icon {
  margin: 0.85rem auto 0.65rem;
  width: 52px;
  height: 52px;
}

.step-card h3,
.feature-card h3 {
  margin: 0 0 0.55rem;
  font-family: var(--display);
  font-size: 1.05rem;
  color: var(--navy);
}

.step-card p,
.feature-card p {
  margin: 0;
  font-size: 0.9rem;
  color: var(--muted);
}

.step-arrow {
  width: 36px;
  height: 2px;
  background: var(--blue);
  align-self: center;
  position: relative;
}

.step-arrow::after {
  content: "";
  position: absolute;
  right: -1px;
  top: 50%;
  transform: translateY(-50%);
  border: 6px solid transparent;
  border-left-color: var(--blue);
}

.features {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}

.feature-card img {
  margin: 0 auto 0.75rem;
  width: 52px;
  height: 52px;
}

/* Final CTA */
.final-cta {
  padding: 2.5rem 0 3.5rem;
}

.final-cta-inner {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 2rem;
  align-items: center;
}

.final-cta-copy h2 {
  margin: 0 0 1.25rem;
  font-family: var(--display);
  font-size: clamp(1.5rem, 2.8vw, 2.1rem);
  font-weight: 800;
  color: var(--navy);
  max-width: 420px;
  line-height: 1.25;
}

.final-cta-copy h2 span {
  color: var(--blue);
}

.final-cta-copy .btn {
  position: relative;
}

.final-cta-copy .btn::after {
  content: "";
  position: absolute;
  left: calc(100% + 12px);
  top: 50%;
  width: min(180px, 18vw);
  height: 2px;
  background: var(--blue);
}

.final-cta-art {
  display: flex;
  justify-content: flex-end;
}

.final-cta-art img {
  width: min(300px, 100%);
}

/* Security + footer */
.security-bar {
  background: #f3f6fa;
  border-top: 1px solid #e4ebf3;
  border-bottom: 1px solid #e4ebf3;
}

.security-inner {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
  padding: 0.95rem 0;
}

.security-inner p {
  margin: 0;
  font-size: 0.82rem;
  color: var(--text);
}

.lock-icon {
  flex-shrink: 0;
  margin-top: 1px;
  color: var(--text);
}

.site-footer {
  background: var(--navy-deep);
  color: #c9d8ea;
  padding: 1.35rem 0 1.5rem;
  text-align: center;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.45rem 0.55rem;
  font-size: 0.88rem;
  margin-bottom: 0.65rem;
}

.footer-links a {
  color: #7eb6ff;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.footer-links span {
  color: #7a8ea5;
}

.footer-copy {
  margin: 0;
  font-size: 0.8rem;
  color: #9aadc2;
}

/* Apply page */
.page-apply {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  background: var(--white);
}

.apply-header {
  background: var(--header-bg);
  position: relative;
}

.apply-header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 78px;
}

.menu-toggle {
  width: 42px;
  height: 34px;
  border: 0;
  background: transparent;
  display: grid;
  gap: 6px;
  align-content: center;
  cursor: pointer;
  padding: 0;
}

.menu-toggle span {
  display: block;
  height: 3px;
  background: #5f738a;
  border-radius: 2px;
}

.mobile-menu {
  position: absolute;
  left: 0;
  right: 0;
  top: 100%;
  background: var(--white);
  border-bottom: 1px solid #d7e1ec;
  display: grid;
  padding: 0.75rem 1rem 1rem;
  gap: 0.55rem;
  z-index: 30;
  box-shadow: var(--shadow);
}

.mobile-menu[hidden] {
  display: none;
}

.mobile-menu a {
  padding: 0.55rem 0.35rem;
  color: var(--navy);
  font-weight: 600;
}

.progress-wrap {
  background: var(--navy);
  padding: 1rem 1rem;
}

.progress-track {
  width: min(520px, 100%);
  margin: 0 auto;
  height: 10px;
  background: #cfd6de;
  border-radius: 999px;
  overflow: hidden;
}

.progress-fill {
  height: 100%;
  background: #8a939e;
  border-radius: inherit;
}

.apply-body {
  flex: 1;
  display: flex;
  align-items: stretch;
  min-height: 420px;
  background: var(--white);
}

.apply-frame-wrap {
  position: relative;
  width: min(960px, 100%);
  margin: 0 auto;
  min-height: 480px;
  background: var(--white);
  padding: 1.25rem 0 2rem;
}

#widget-container {
  width: 100%;
  min-height: 480px;
}

.apply-footer {
  background: var(--footer-bg);
  padding: 1.25rem 0 1.4rem;
  text-align: center;
}

.apply-footer .footer-links a {
  color: var(--blue);
}

.apply-footer .footer-copy {
  color: #4d5b6a;
}

/* Responsive */
@media (max-width: 960px) {
  .steps {
    grid-template-columns: 1fr;
    gap: 1.25rem;
  }

  .step-arrow {
    width: 2px;
    height: 28px;
    margin: 0 auto;
  }

  .step-arrow::after {
    right: 50%;
    top: auto;
    bottom: -1px;
    transform: translateX(50%);
    border: 6px solid transparent;
    border-top-color: var(--blue);
    border-left-color: transparent;
  }

  .features {
    grid-template-columns: 1fr 1fr;
  }

  .final-cta-inner {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .final-cta-copy h2 {
    max-width: none;
  }

  .final-cta-copy .btn::after {
    display: none;
  }

  .final-cta-art {
    justify-content: center;
  }
}

@media (max-width: 720px) {
  .header-cta-text {
    display: none;
  }

  .features {
    grid-template-columns: 1fr;
  }

  .hero-card {
    margin-top: -2.5rem;
  }

  .footer-links {
    gap: 0.35rem 0.4rem;
    font-size: 0.8rem;
  }
}