:root{--navy:#091625;--navy2:#112a43;--ink:#142033;--muted:#667085;--cream:#f5f1e8;--paper:#fff;--gold:#b99a5b;--gold2:#e2ca8c;--line:#dfe5eb;--soft:#f5f7f9;--green:#1d725a;--shadow:0 18px 55px rgba(12,28,45,.10);--radius:18px}
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span{font-family:Georgia,serif;font-size:20px;letter-spacing:.035em}.nav-links{display:flex;gap:20px;align-items:center;font-size:14px}.nav-links>a{color:#dbe4ed;text-decoration:none}.nav-links>a:hover{color:#fff}.nav-cta{background:var(--gold);color:#111!important;padding:11px 16px;border-radius:999px;font-weight:850}.mobile{display:none;background:none;border:1px solid rgba(255,255,255,.28);color:#fff;border-radius:8px;padding:8px 11px}.container{max-width:1200px;margin:auto;padding:0 22px}.hero{background:linear-gradient(130deg,#07131f 0%,#102941 60%,#163653 100%);color:#fff;padding:90px 0 78px;position:relative;overflow:hidden}.hero:after{content:"";position:absolute;width:650px;height:650px;border:1px solid rgba(255,255,255,.08);border-radius:50%;right:-180px;top:-240px;box-shadow:0 0 0 80px rgba(255,255,255,.025),0 0 0 160px rgba(255,255,255,.016)}.hero-grid{display:grid;grid-template-columns:1.15fr 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20px;text-decoration:none;font-weight:850;cursor:pointer}.btn-primary{background:var(--gold);color:#111}.btn-secondary{background:transparent;color:#fff;border-color:rgba(255,255,255,.32)}.btn-dark{background:var(--navy);color:#fff}.btn-outline{background:#fff;color:var(--ink);border-color:#c5ccd4}.term-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:24px;padding:27px;box-shadow:0 28px 100px rgba(0,0,0,.2)}.term-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}.term{background:rgba(0,0,0,.14);border-radius:14px;padding:19px}.term b{display:block;font-family:Georgia,serif;font-size:28px;color:var(--gold2)}.term span{font-size:11px;text-transform:uppercase;letter-spacing:.08em;color:#dce5ee}.trustbar{background:#f1ede4;border-bottom:1px solid #ddd4c2}.trustgrid{display:grid;grid-template-columns:repeat(4,1fr);max-width:1200px;margin:auto;padding:20px 22px}.trustgrid div{text-align:center;padding:4px 16px;border-right:1px solid #d7cebc;font-size:12px;font-weight:850;letter-spacing:.05em}.trustgrid div:last-child{border-right:0}section{padding:82px 0}.section-soft{background:var(--soft)}.section-dark{background:var(--navy);color:#fff}.section-dark p{color:#cbd6e1}.band{background:var(--cream);border-block:1px solid #e3ddd1}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px;margin-top:34px}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:34px}.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:34px}.split{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center}.card{border:1px solid var(--line);background:#fff;border-radius:var(--radius);padding:27px}.card p{color:var(--muted)}.mini{display:block;color:#8d6d2e;text-transform:uppercase;font-size:11px;letter-spacing:.12em;font-weight:850;margin-bottom:12px}.link{color:#775a20;text-decoration:none;font-weight:850}.pill{display:inline-block;background:#eef2f5;border-radius:999px;padding:8px 12px;margin:4px 5px 4px 0;font-size:13px;font-weight:800}.quote{font-family:Georgia,serif;font-size:28px;line-height:1.35;border-left:3px solid var(--gold);padding-left:25px}.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:34px}.step{background:#fff;border-top:2px solid var(--gold);padding:25px}.step:before{counter-increment:step;content:"0" counter(step);display:block;color:#957438;font-size:11px;letter-spacing:.12em;font-weight:900;margin-bottom:16px}.crumb{font-size:12px;color:#bdcbd8;margin-bottom:20px}.crumb a{color:#d7e0e8;text-decoration:none}.metric{padding:20px 0;border-bottom:1px solid rgba(255,255,255,.13)}.metric b{font-family:Georgia,serif;font-size:29px;color:var(--gold2)}.metric span{display:block;color:#cbd6e1}table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line)}th,td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top}th{background:#eef2f5;font-size:11px;text-transform:uppercase;letter-spacing:.08em}.notice{background:#fff8e8;border:1px solid #ead39e;color:#654b17;padding:14px 16px;border-radius:12px;font-size:13px}.callout{border-left:4px solid var(--gold);background:#fbfaf7;padding:22px 24px}.faq details{border-top:1px solid var(--line);padding:17px 0}.faq summary{cursor:pointer;font-weight:850}.faq p{color:var(--muted);max-width:900px}.formbox{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px;box-shadow:var(--shadow)}.field{margin-bottom:16px}label{display:block;font-size:13px;font-weight:800;margin-bottom:7px}input,select,textarea{width:100%;border:1px solid #ccd4dc;border-radius:10px;padding:12px 13px;color:var(--ink);background:#fff}textarea{min-height:115px;resize:vertical}.hp{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}.calc{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}.results{display:grid;grid-template-columns:1fr 1fr;gap:12px}.result{background:#eef3f6;border-radius:13px;padding:18px}.result b{font-family:Georgia,serif;font-size:25px;display:block}.result span{font-size:11px;text-transform:uppercase;letter-spacing:.07em;color:#687586;font-weight:850}.footer{background:#07131f;color:#c8d4df;padding:56px 0 26px}.footer-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:34px}.footer .brand img{width:110px;height:92px}.footer h4{color:#fff;margin:0 0 14px}.footer a{color:#c8d4df;text-decoration:none;display:block;margin:7px 0}.footer small{display:block;border-top:1px solid rgba(255,255,255,.1);padding-top:20px;margin-top:40px;color:#8d9dac}.sticky-apply{display:none}.center{text-align:center}.max800{max-width:800px;margin-inline:auto}.badges{display:flex;gap:9px;flex-wrap:wrap}.badge{border:1px solid var(--line);border-radius:999px;padding:8px 12px;font-size:12px;font-weight:800;background:#fff}.errorbox{max-width:720px;margin:70px auto;text-align:center;padding:40px}.resource-card{height:100%}.resource-card a{margin-top:auto}.resource-card{display:flex;flex-direction:column}.resource-card p{flex:1}
@media(max-width:900px){.nav-links{display:none;position:absolute;top:88px;left:0;right:0;background:#091625;padding:18px 22px;flex-direction:column;align-items:stretch}.nav-links.open{display:flex}.mobile{display:block}.hero-grid,.split,.calc{grid-template-columns:1fr}.grid3,.grid4,.steps{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.trustgrid{grid-template-columns:1fr 1fr}.trustgrid div:nth-child(2){border-right:0}.sticky-apply{display:block;position:fixed;left:14px;right:14px;bottom:14px;z-index:50}.sticky-apply a{width:100%;box-shadow:0 12px 35px rgba(0,0,0,.25)}}
@media(max-width:600px){h1{font-size:43px}section{padding:60px 0}.subhero{padding:50px 0}.grid2,.grid3,.grid4,.steps,.results,.term-grid,.footer-grid,.trustgrid{grid-template-columns:1fr}.trustgrid div{border-right:0;border-bottom:1px solid #d7cebc}.trustgrid div:last-child{border-bottom:0}.actions{flex-direction:column}.btn{width:100%}.brand img{width:62px;height:53px}.brand span{font-size:17px}}