:root{
  color-scheme:light;
  --navy-950:#0A1224;--navy-900:#101B34;--navy-800:#1B2B4C;--navy-700:#28395F;
  --gold-400:#EAC06A;--gold-500:#D9A441;--gold-600:#B9832A;--orange-500:#D97A32;
  --cream:#FAF7F1;--panel:#FFFFFF;--ink:#151A26;--muted:#5B6472;--line:#EAE4D6;
  --grad:linear-gradient(120deg,var(--orange-500),var(--gold-400));
  --shadow:0 24px 60px -24px rgba(15,20,40,.35);
  --r:18px;
  padding-top:env(safe-area-inset-top,0px);padding-bottom:env(safe-area-inset-bottom,0px);
}
:root:not([data-theme="light"]){@media (prefers-color-scheme:dark){--cream:#0D1730;--panel:#132140;--ink:#EEF1F6;--muted:#AEB8CA;--line:#28395F;}}
:root[data-theme="dark"]{--cream:#0D1730;--panel:#132140;--ink:#EEF1F6;--muted:#AEB8CA;--line:#28395F;}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:96px}
body{margin:0;background:var(--cream);color:var(--ink);font-family:'Inter',system-ui,sans-serif;line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,.brand{font-family:'Manrope',system-ui,sans-serif;letter-spacing:-0.02em;margin:0}
a{color:inherit}img,svg{max-width:100%;display:block}
.wrap{max-width:1160px;margin:0 auto;padding:0 28px}
:focus-visible{outline:3px solid #3B82F6;outline-offset:2px}
.gtext{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
@media (prefers-reduced-motion:no-preference){
  .rise{animation:rise .8s cubic-bezier(.2,.7,.3,1) both}
  .rise2{animation:rise .8s cubic-bezier(.2,.7,.3,1) .12s both}
  .rise3{animation:rise .8s cubic-bezier(.2,.7,.3,1) .24s both}
  .blob{animation:drift 16s ease-in-out infinite alternate}
  @keyframes rise{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:translateY(0)}}
  @keyframes drift{from{transform:translate(0,0) scale(1)}to{transform:translate(-16px,20px) scale(1.06)}}
}

/* floating nav */
.navwrap{position:sticky;top:14px;z-index:50;padding:0 20px}
.nav{max-width:1160px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;
  padding:12px 12px 12px 20px;background:rgba(16,27,52,.72);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);
  border:1px solid rgba(255,255,255,.08);border-radius:100px;box-shadow:var(--shadow)}
.brand{display:flex;align-items:center;gap:9px;color:#fff;font-weight:800;font-size:18px}
.brand .mark{width:30px;height:30px}
nav.links{display:flex;gap:26px}
nav.links a{color:#CBD3E4;text-decoration:none;font-size:14px;font-weight:600}
nav.links a:hover{color:#fff}
.cta-btn{background:var(--grad);color:#1B1204;font-weight:700;font-size:14px;padding:10px 20px;border-radius:100px;text-decoration:none;border:none;cursor:pointer}
.cta-btn:hover{filter:brightness(1.07)}

/* hero */
.hero{position:relative;background:radial-gradient(ellipse 90% 70% at 50% 0%,var(--navy-800),var(--navy-950));color:#fff;overflow:hidden;padding-top:26px}
.hero .blob{position:absolute;border-radius:50%;filter:blur(70px);opacity:.55;pointer-events:none}
.b1{width:420px;height:420px;background:var(--orange-500);top:-140px;right:-100px}
.b2{width:320px;height:320px;background:var(--gold-500);bottom:-120px;left:-80px;opacity:.3}
.grain{position:absolute;inset:0;opacity:.05;pointer-events:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='120' height='120'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:50px;padding:60px 28px 84px;align-items:center}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);
  padding:7px 14px;border-radius:100px;font-size:12.5px;font-weight:600;color:#EAD9B4;backdrop-filter:blur(6px)}
.badge b{width:6px;height:6px;border-radius:50%;background:var(--gold-400)}
.hero h1{font-size:clamp(36px,5vw,56px);line-height:1.04;font-weight:900;margin-top:18px}
.hero p.lead{margin-top:18px;color:#B9C2D6;font-size:18px;max-width:44ch}
.hero-ctas{display:flex;gap:12px;margin-top:30px;flex-wrap:wrap}
.btn-ghost{border:1px solid rgba(255,255,255,.28);color:#fff;padding:13px 24px;border-radius:100px;text-decoration:none;font-weight:600;font-size:15px}
.btn-ghost:hover{background:rgba(255,255,255,.08)}
.btn-solid{background:var(--grad);color:#1B1204;padding:13px 24px;border-radius:100px;text-decoration:none;font-weight:700;font-size:15px;display:inline-block}
.stat-row{display:flex;gap:36px;margin-top:46px;flex-wrap:wrap}
.stat b{display:block;font-family:'Manrope',sans-serif;font-size:26px;font-weight:800}
.stat span{color:#8C97AE;font-size:13px}

/* hero glass card */
.glass{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:22px;backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);box-shadow:var(--shadow)}
.hero-card{padding:30px;position:relative}
.hero-card .amt{font-family:'Manrope',sans-serif;font-size:44px;font-weight:900}
.hero-card .lbl{color:#9AA6BD;font-size:13px;margin-top:2px}
.ring-wrap{position:relative;width:150px;height:150px;margin:22px auto 6px}
.ring-wrap svg{transform:rotate(-90deg)}
.ring-wrap .center{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center}
.ring-wrap .center b{font-size:20px;font-weight:800}
.ring-wrap .center span{font-size:11px;color:#9AA6BD}
.hero-card .row{display:flex;justify-content:space-between;margin-top:18px;padding-top:16px;border-top:1px solid rgba(255,255,255,.1);font-size:13px;color:#B9C2D6}
.hero-card .row b{color:#fff;font-weight:700}

section{padding:96px 0}
.section-head{max-width:620px;margin-bottom:44px}
.eyebrow{color:var(--gold-600);font-weight:700;font-size:13.5px;letter-spacing:.01em}
.section-head h2{font-size:clamp(28px,3.4vw,38px);font-weight:900;color:var(--ink);margin-top:8px}
.section-head p{color:var(--muted);margin-top:12px;font-size:16.5px}
.panel-bg{background:var(--panel)}

/* bento */
.bento{display:grid;grid-template-columns:1.3fr 1fr 1fr;grid-template-rows:auto auto;gap:20px}
.bcard{border:1px solid var(--line);border-radius:var(--r);padding:30px;background:var(--panel);transition:box-shadow .25s,transform .25s}
.bcard:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.bcard.big{grid-row:span 2;background:var(--navy-900);color:#fff;border:none;display:flex;flex-direction:column;justify-content:space-between}
.bcard.big h3{font-size:24px;font-weight:800;line-height:1.2}
.bcard.big p{color:#B9C2D6;font-size:15px;margin-top:12px}
.bcard .num{width:36px;height:36px;border-radius:50%;background:var(--grad);color:#1B1204;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:14px;margin-bottom:16px}
.bcard h3{font-size:17px;font-weight:800;margin-bottom:6px}
.bcard p{color:var(--muted);font-size:14.5px;margin:0}
.pill-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:auto;padding-top:20px}
.pill-row span{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);padding:6px 12px;border-radius:100px;font-size:12.5px;color:#EAD9B4}

/* calculator */
.calc-section{background:linear-gradient(155deg,#CE9C55,#E4BA6B);color:#241A08}
.calc-section .eyebrow{color:#5A3E10}
.calc-section .section-head h2{color:#241A08}
.calc-section .section-head p{color:#4A3A18}
.calc-eligibility{margin:-18px 0 28px;padding:14px 18px;background:rgba(255,255,255,.34);border-left:4px solid var(--navy-900);border-radius:0 8px 8px 0;color:#241A08;font-size:14px;line-height:1.6}
.calc-grid{display:grid;grid-template-columns:.8fr 1.2fr;border-radius:24px;overflow:hidden;box-shadow:0 30px 70px -20px rgba(20,14,2,.28)}
.calc-side{background:var(--navy-950);color:#fff;padding:40px 34px}
.calc-side h3{font-size:18px;font-weight:800;margin-bottom:10px}
.need-list{list-style:none;padding:0;margin:14px 0 26px;display:grid;gap:10px}
.need-list li{display:flex;gap:10px;font-size:14.5px;color:#DCE1EC}
.calc-side ol{margin:0;padding-left:18px;color:#DCE1EC;font-size:14.5px;display:grid;gap:6px}
.calc-main{background:#fff;padding:40px 38px;color:var(--ink)}
.field{margin-bottom:28px}
.field-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:10px}
.field-top label{font-size:14px;color:var(--muted);font-weight:600}
.field-top output{font-family:'Manrope',sans-serif;font-weight:900;font-size:30px;color:var(--navy-800)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:4px;background:var(--line);outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:var(--grad);cursor:pointer;border:3px solid #fff;box-shadow:0 2px 8px rgba(0,0,0,.3)}
input[type=range]::-moz-range-thumb{width:24px;height:24px;border-radius:50%;border:3px solid #fff;background:var(--grad);cursor:pointer}
.breakdown{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;padding-top:14px;border-top:1px solid var(--line)}
.breakdown div b{display:block;font-family:'Manrope',sans-serif;font-size:19px;font-weight:800;color:var(--navy-800)}
.breakdown div span{font-size:12px;color:var(--muted)}
.quote-date{margin:14px 0 0;font-size:13px;color:var(--muted)}
.quote-date b{color:var(--navy-900)}
.calc-apply{margin-top:24px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}
.fine{font-size:12.5px;color:var(--muted);margin-top:18px;line-height:1.6}

/* requirements strip */
.req-strip{display:flex;gap:16px;overflow-x:auto;padding-bottom:8px;scrollbar-width:none}
.req-strip::-webkit-scrollbar{display:none}
.req-card{flex:0 0 240px;border:1px solid var(--line);border-radius:var(--r);padding:24px;background:var(--panel)}
.req-card svg{margin-bottom:14px;color:var(--gold-600)}
.req-card h3{font-size:15px;font-weight:700;margin-bottom:4px}
.req-card p{font-size:13.5px;color:var(--muted);margin:0}

/* moments */
.moments{background:var(--navy-950);color:#fff;position:relative;overflow:hidden}
.moments .wrap{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.moments h2{font-size:clamp(28px,3.4vw,38px);font-weight:900}
.moments p{color:#B9C2D6;font-size:16.5px;margin-top:16px}
.quote-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:22px;padding:36px}
.quote-card p{font-family:'Manrope',sans-serif;font-size:22px;font-weight:700;color:#fff;line-height:1.4;margin:0}
.quote-card span{display:block;margin-top:16px;color:#8C97AE;font-size:13px}

.resp-card{background:var(--panel);border:1px solid var(--line);border-radius:22px;padding:38px;display:grid;grid-template-columns:auto 1fr;gap:26px;align-items:flex-start}
.resp-card svg{color:var(--gold-600)}
.resp-card h3{font-size:19px;font-weight:800;margin-bottom:10px}
.resp-card p{color:var(--muted);font-size:15px;margin:0}
.ncr-badge{display:inline-flex;gap:8px;background:var(--cream);border:1px solid var(--line);padding:8px 14px;border-radius:100px;font-size:13px;font-weight:700;color:var(--navy-800);margin-top:10px}

.contact{background:var(--panel)}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px}
.contact-list{display:grid;gap:24px}
.contact-item{display:flex;gap:16px}
.contact-item .ic{width:42px;height:42px;border-radius:12px;background:var(--cream);display:flex;align-items:center;justify-content:center;flex:none;color:var(--gold-600)}
.contact-item h3{font-size:13.5px;font-weight:700;margin-bottom:4px}
.contact-item a,.contact-item p{font-size:15px;color:var(--muted);text-decoration:none;line-height:1.6;margin:0}
.contact-item a:hover{color:var(--navy-800)}
.apply-card{background:var(--navy-950);color:#fff;border-radius:24px;padding:40px;position:relative;overflow:hidden}
.apply-card::before{content:"";position:absolute;width:220px;height:220px;background:var(--orange-500);border-radius:50%;filter:blur(60px);opacity:.35;top:-80px;right:-60px}
.apply-card h3{font-size:22px;font-weight:800;margin-bottom:10px;position:relative}
.apply-card p{color:#B9C2D6;font-size:15px;margin-bottom:22px;position:relative}
.apply-card .btn-solid{position:relative}

footer{background:var(--navy-950);color:#8C97AE;padding:56px 0 calc(28px + env(safe-area-inset-bottom,0px))}
.foot-brand{font-size:clamp(40px,8vw,88px);font-weight:900;color:#fff;line-height:1;letter-spacing:-.03em}
.foot-row{display:flex;justify-content:space-between;align-items:flex-end;flex-wrap:wrap;gap:20px;margin-top:26px}
.foot-row nav{display:flex;gap:22px;flex-wrap:wrap}
.foot-row nav a{text-decoration:none;font-size:13.5px}
footer .legal{margin-top:26px;font-size:11.5px;color:#5E6A85;line-height:1.7;border-top:1px solid rgba(255,255,255,.08);padding-top:20px}

@media (max-width:880px){
  nav.links,.stat-row .stat:nth-child(3){display:none}
  .hero .wrap{grid-template-columns:1fr;padding-top:20px}
  .hero-card{order:-1;max-width:320px;margin:0 auto}
  .bento{grid-template-columns:1fr 1fr}
  .bcard.big{grid-column:span 2;grid-row:auto}
  .calc-grid{grid-template-columns:1fr}
  .breakdown{grid-template-columns:1fr;gap:10px}
  .moments .wrap{grid-template-columns:1fr;gap:32px}
  .contact-grid{grid-template-columns:1fr;gap:40px}
  .resp-card{grid-template-columns:1fr}
}
@media (max-width:560px){
  .bento{grid-template-columns:1fr}
  .bcard.big{grid-column:span 1}
  section{padding:64px 0}
  .navwrap{padding:0 12px}
  .nav{padding:10px 10px 10px 16px}
}

.application-section{padding:76px 0}
.application-section .section-head{max-width:760px;margin-bottom:32px}
.application-section .section-head h1{font-size:clamp(30px,4vw,42px);font-weight:900;color:var(--ink);margin-top:8px}
.application-section .section-head p{color:var(--muted);font-size:16px;margin-top:12px}
.application-eligibility{max-width:920px;margin:0 auto 20px;padding:15px 18px;background:var(--cream);border-left:4px solid var(--gold-500);border-radius:0 8px 8px 0;color:var(--navy-800)}
.application-eligibility p{margin:0;font-size:14px;line-height:1.6}
.application-eligibility p+p{margin-top:10px}
.application-notice{max-width:920px;margin:0 auto 24px;padding:20px 24px;border:1px solid;border-radius:8px;text-align:center;font-family:'Manrope',sans-serif;font-size:17px;font-weight:800;line-height:1.5}
.application-notice[role="status"]{color:#205a3c;background:#edf7f0;border-color:#c5dfce}
.application-notice[role="alert"]{color:#852d2d;background:#fff1ef;border-color:#ecc8c2}
.application-form{max-width:920px;margin:0 auto;padding:32px;background:var(--panel);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow)}
.application-group{border:0;padding:0;margin:0 0 30px;min-width:0}
.application-group legend{padding:0;margin-bottom:18px;font-family:'Manrope',sans-serif;font-size:19px;font-weight:800;color:var(--navy-800)}
.application-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px 20px}
.application-field{min-width:0;display:grid;align-content:start;gap:7px}
.application-field-wide{grid-column:1/-1}
.application-field label{font-size:13.5px;font-weight:700;color:var(--muted)}
.application-field input,.application-field select,.application-field textarea{width:100%;min-height:48px;padding:11px 13px;border:1px solid var(--line);border-radius:8px;background:var(--panel);color:var(--ink);font:inherit;line-height:1.4}
.application-field textarea{min-height:96px;resize:vertical}
.application-field input::placeholder{color:var(--muted);opacity:.8}
.application-field input:focus,.application-field select:focus,.application-field textarea:focus{border-color:var(--gold-600);outline:3px solid rgba(217,164,65,.18)}
.application-field small{color:var(--muted);font-size:12px}
.application-summary{padding:22px;background:var(--cream);border:1px solid var(--line);border-radius:14px}
.application-summary h2{font-size:19px;font-weight:800;color:var(--navy-800);margin:0 0 16px}
.application-summary-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px 24px;margin:0}
.application-summary-grid div{min-width:0}
.application-summary-grid dt{font-size:12.5px;color:var(--muted)}
.application-summary-grid dd{margin:2px 0 0;font-family:'Manrope',sans-serif;font-size:18px;font-weight:800;color:var(--navy-800);overflow-wrap:anywhere}
.application-submit{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;margin-top:24px}
.application-submit p{margin:0;color:var(--muted);font-size:13px}
.application-submit button{font-family:inherit;cursor:pointer;border:0}
@media (max-width:640px){
  .application-section{padding:56px 0}
  .application-form{padding:22px 18px}
  .application-grid,.application-summary-grid{grid-template-columns:1fr}
  .application-field-wide{grid-column:auto}
  .application-submit{align-items:stretch}
  .application-submit button{width:100%}
}