*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:#13233a;background:#fff;line-height:1.6}.nav{height:78px;display:flex;align-items:center;justify-content:space-between;padding:0 6%;border-bottom:1px solid #e8edf3;background:#fff;position:sticky;top:0;z-index:20}.brand{display:flex;align-items:center;gap:10px;color:#10233f;text-decoration:none;font-weight:800;letter-spacing:.08em}.mark{width:38px;height:38px;border-radius:12px;display:grid;place-items:center;background:#0d3763;color:#fff;font-size:20px}.nav nav{display:flex;align-items:center;gap:25px}.nav nav a{color:#526176;text-decoration:none;font-size:14px;font-weight:600}.nav .nav-cta{background:#0d3763;color:#fff;padding:11px 18px;border-radius:9px}.menu{display:none;border:0;background:none;font-size:25px}.hero{min-height:650px;padding:90px 7%;display:grid;grid-template-columns:1.2fr .8fr;gap:70px;align-items:center;background:linear-gradient(135deg,#f5f9fd 0%,#fff 58%)}.eyebrow{font-size:12px;font-weight:800;letter-spacing:.18em;color:#2771ad;margin:0 0 12px}.hero h1{font-size:clamp(42px,6vw,72px);line-height:1.02;letter-spacing:-.055em;margin:0 0 24px;max-width:760px;color:#10233f}.lead{font-size:20px;color:#526176;max-width:680px}.actions{display:flex;gap:12px;margin:30px 0}.btn{display:inline-block;border:0;border-radius:9px;padding:13px 20px;text-decoration:none;font-weight:800;cursor:pointer;font-size:14px}.primary{background:#0d3763;color:#fff}.secondary{background:#fff;color:#0d3763;border:1px solid #ccd7e4}.notice{font-size:12px;color:#718096;max-width:680px}.hero-card{background:#0d3763;color:#fff;border-radius:24px;padding:48px;box-shadow:0 25px 70px #0d37632b}.orbit{width:86px;height:86px;border-radius:50%;display:grid;place-items:center;border:1px solid #ffffff55;background:#ffffff12;font-size:42px;font-weight:800;margin-bottom:35px}.hero-card h3{font-size:32px;margin:0}.hero-card p{color:#d8e6f3}.mini-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:35px}.mini-stats div{border-top:1px solid #ffffff38;padding-top:12px}.mini-stats strong,.mini-stats span{display:block}.mini-stats span{font-size:11px;color:#bcd0e4}.trust-strip{display:grid;grid-template-columns:repeat(4,1fr);padding:28px 7%;gap:25px;border-bottom:1px solid #e8edf3}.trust-strip strong,.trust-strip span{display:block}.trust-strip strong{font-size:15px}.trust-strip span{font-size:12px;color:#758296}.section{padding:100px 7%}.two-col{display:grid;grid-template-columns:.8fr 1.2fr;gap:90px}.section h2{font-size:clamp(32px,4vw,52px);line-height:1.08;letter-spacing:-.04em;margin:0 0 20px;color:#10233f}.section p{color:#5b697c}.small{font-size:12px!important}.dark{background:#0b2746;color:#fff}.dark h2,.dark h3{color:#fff}.dark p{color:#bcd0e4}.section-head{max-width:720px;margin-bottom:45px}.cards,.program-grid,.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.cards article{border:1px solid #ffffff24;padding:30px;border-radius:16px;background:#ffffff08}.cards span{font-size:12px;color:#8dc7ef}.cards h3,.program h3,.steps h3{font-size:22px;margin:18px 0 7px}.program-grid{grid-template-columns:repeat(3,1fr)}.program{padding:34px;border:1px solid #e1e7ef;border-radius:16px}.icon{font-size:30px;color:#2771ad}.alt{background:#f5f8fb}.checklist p{padding:16px 0;margin:0;border-bottom:1px solid #dce4ed}.steps{grid-template-columns:repeat(4,1fr)}.steps div{border-top:2px solid #2771ad;padding-top:20px}.steps b{color:#2771ad}.apply{background:#edf5fb}.apply-box{max-width:1100px;margin:auto;background:#fff;padding:50px;border-radius:20px;display:grid;grid-template-columns:.8fr 1.2fr;gap:60px;box-shadow:0 15px 50px #0d376314}.apply form{display:grid;gap:15px}label{font-size:13px;font-weight:700;color:#34445a}input,textarea{display:block;width:100%;margin-top:7px;padding:13px;border:1px solid #cfd9e4;border-radius:8px;font:inherit}textarea{resize:vertical}.consent{display:flex;gap:9px;align-items:flex-start;font-weight:500}.consent input{width:auto;margin:3px 0}.form-msg{font-size:13px!important;color:#2771ad!important}.faq{max-width:1000px;margin:auto}.faq details{border-top:1px solid #dfe6ee;padding:20px 0}.faq summary{cursor:pointer;font-weight:800}.faq details p{margin-bottom:0}.contact{background:#f7f9fc;display:grid;grid-template-columns:1fr 1fr;gap:50px}.contact-card{background:#0d3763;color:#fff;border-radius:18px;padding:35px;display:flex;flex-direction:column;justify-content:center}.contact-card span{color:#c7d9e9;margin-top:7px}footer{padding:45px 7%;display:flex;justify-content:space-between;gap:30px;background:#071c31;color:#d7e2ec}footer p{margin:5px 0;font-size:12px;color:#9fb2c5}footer .small{max-width:520px}@media(max-width:850px){.nav nav{display:none}.menu{display:block}.hero,.two-col,.apply-box,.contact{grid-template-columns:1fr}.hero{padding-top:60px}.cards,.program-grid,.steps,.trust-strip{grid-template-columns:1fr 1fr}.section{padding:70px 6%}}@media(max-width:520px){.cards,.program-grid,.steps,.trust-strip{grid-template-columns:1fr}.nav{padding:0 5%}.hero{padding:55px 6%}.hero-card{padding:32px}.apply-box{padding:28px}.actions{flex-direction:column}.actions .btn{text-align:center}footer{flex-direction:column}}
.fee-section{background:#f8fbfd}.fee-box{max-width:1100px;margin:auto;background:#fff;border:1px solid #dbe6ef;border-radius:20px;padding:40px;display:grid;grid-template-columns:.42fr 1fr;gap:45px;box-shadow:0 15px 45px #0d376310}.fee-amount{background:#0d3763;color:#fff;border-radius:16px;padding:35px;display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center}.fee-amount strong{font-size:48px;line-height:1;margin:12px 0}.fee-amount span{font-size:12px;color:#c7d9e9}.fee-copy p{margin-top:0}.fee-copy ul{padding-left:20px;color:#526176}.fee-copy li{margin:8px 0}.fee-warning{margin:22px 0;padding:16px;border-left:4px solid #d69e2e;background:#fff9e9;color:#5d512f;font-size:13px;border-radius:6px}
@media(max-width:850px){.fee-box{grid-template-columns:1fr;padding:28px}}


.visuals{padding:85px 7%;background:#f7f9fc;border-top:1px solid #e8edf3;border-bottom:1px solid #e8edf3}
.visual-intro{max-width:720px;margin-bottom:38px}
.visual-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.visual-card{background:#fff;border:1px solid #e0e7ef;border-radius:18px;overflow:hidden;padding-bottom:22px}
.visual-card img{display:block;width:100%;height:180px;object-fit:cover;background:#edf5fb}
.visual-card h3,.visual-card p{margin-left:24px;margin-right:24px}
.visual-card h3{margin-top:20px;margin-bottom:5px}
.visual-card p{font-size:14px}
.fee-section{background:#fff}
.fee-box{max-width:1120px;margin:0 auto;display:grid;grid-template-columns:1.3fr .7fr;gap:45px;align-items:stretch}
.fee-copy{padding:10px 0}
.fee-panel{background:#0d3763;color:#fff;border-radius:20px;padding:35px}
.fee-amount{font-size:58px;font-weight:900;letter-spacing:-.05em}
.fee-label{color:#c8d9e9!important;margin-top:-8px}
.fee-panel ul{padding-left:20px;color:#dce9f4}
.fee-panel li{margin:10px 0}
.fee-rules{max-width:1120px;margin:38px auto 0;display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.fee-rules>div{border:1px solid #e0e7ef;border-radius:14px;padding:20px}
.fee-rules strong{color:#10233f}
.fee-rules p{font-size:13px;margin-bottom:0}
.fee-disclaimer{max-width:1120px;margin:25px auto 0!important;padding:16px;background:#fff8e7;border-left:4px solid #d49b22;font-size:12px!important}
@media(max-width:850px){.visual-grid,.fee-box,.fee-rules{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.visual-grid,.fee-box,.fee-rules{grid-template-columns:1fr}.visuals{padding:65px 6%}.fee-panel{padding:28px}}

.legal-section{background:#f7f9fc}
.legal-notice{max-width:1120px;margin:0 auto 30px;padding:20px 22px;background:#fff8e7;border-left:4px solid #d49b22;border-radius:8px}
.legal-notice p{margin:6px 0 0;font-size:13px}
.legal-grid{max-width:1120px;margin:auto;display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.legal-grid article,.policy-block,.policy-cards article{background:#fff;border:1px solid #e0e7ef;border-radius:16px;padding:25px}
.legal-grid h3,.policy-block h3{margin-top:0;color:#10233f}
.legal-grid p{font-size:14px}
.policy-block{max-width:1120px;margin:22px auto 0}
.policy-list{display:grid;grid-template-columns:1fr 1fr;gap:0 30px}
.policy-list p{border-top:1px solid #e7edf3;padding:14px 0;margin:0;font-size:14px}
.policy-section{background:#fff}
.policy-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.policy-cards h3{margin-top:0;color:#10233f}
.policy-cards p{font-size:14px}
.fee-policy{background:#f7f9fc}
@media(max-width:850px){.legal-grid,.policy-cards,.policy-list{grid-template-columns:1fr}}

.status-banner{background:#0b2948;color:#fff;text-align:center;padding:10px 5%;font-size:12px;letter-spacing:.01em}
.brand-logo{width:72px;height:72px;object-fit:cover;object-position:left center;border-radius:50%;margin-right:14px;display:block}
.accountability{background:#f7f9fc;border-top:1px solid #e3e9ef}
.account-grid{max-width:1120px;margin:auto;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.account-grid article{background:#fff;border:1px solid #dfe6ed;border-radius:16px;padding:24px}
.account-grid h3{margin-top:0;color:#102b4a}
.account-grid p{font-size:14px;line-height:1.7}
.redflag{max-width:1120px;margin:24px auto 0;background:#fff8e7;border-left:4px solid #d49b22;padding:18px 20px;border-radius:8px;font-size:13px;line-height:1.6}
.footer-disclaimer{max-width:1000px;margin:15px auto 0;opacity:.8;font-size:11px}
@media(max-width:850px){.account-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.account-grid{grid-template-columns:1fr}.brand-logo{width:58px;height:58px}}