:root {
  --navy: #0B3A6E;
  --navy-deep: #082A50;
  --blue: #1F5F99;
  --steel: #6F9BB8;
  --gold: #C8A24A;
  --gold-soft: #F6EBCF;
  --gold-dark: #8A6514;
  --ink: #14202E;
  --muted: #4A5868;
  --line: #D5DEE8;
  --surface: #F3F6F9;
  --white: #FFFFFF;
  --success: #1F7A4D;
  --success-soft: #E3F2EA;
  --serif: 'Source Serif 4', Georgia, serif;
  --sans: 'Public Sans', system-ui, -apple-system, 'Segoe UI', sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; font: 400 17px/1.55 var(--sans); color: var(--ink); background: var(--white); }
img, svg { display: block; max-width: 100%; }
a { color: var(--blue); }
h1, h2, h3 { margin: 0; font-family: var(--serif); font-weight: 600; line-height: 1.15; color: var(--navy); }
p, ul, ol { margin: 0; }
ul, ol { padding: 0; list-style: none; }
:focus-visible { outline: 3px solid var(--blue); outline-offset: 2px; border-radius: 4px; }
.section--deep :focus-visible, .section--navy :focus-visible, .site-footer :focus-visible, .apply__side :focus-visible { outline-color: var(--gold); }
[hidden] { display: none !important; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip-link { position: absolute; left: 16px; top: -48px; background: var(--navy); color: var(--white); padding: 8px 14px; border-radius: 8px; z-index: 10; }
.skip-link:focus { top: 12px; }

.container { max-width: 1240px; margin: 0 auto; padding: 0 20px; }
.icon { width: 20px; height: 20px; flex: none; }
.icon--sm { width: 16px; height: 16px; }
.muted { color: var(--muted); }

/* Sections */
.section { padding: 48px 0; }
.section--surface { background: var(--surface); }
.section--navy { background: var(--navy); color: var(--white); }
.section--deep { background: var(--navy-deep); color: var(--white); }
.section--navy h2, .section--deep h1, .section--deep h2 { color: var(--white); }
.heading { display: grid; gap: 10px; margin-bottom: 24px; }
.heading h2 { font-size: 30px; line-height: 1.2; }
.heading p { font-size: 17px; color: var(--muted); max-width: 640px; }
.eyebrow { font: 600 12px/1.2 var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--gold-dark); }
.section--deep .eyebrow, .section--navy .eyebrow { color: var(--gold); }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 48px; padding: 13px 22px; border: 1.5px solid transparent; border-radius: 10px; font: 600 16px/1.2 var(--sans); text-decoration: none; cursor: pointer; }
.btn--primary { background: var(--navy); color: var(--white); }
.btn--primary:hover { background: var(--navy-deep); }
.btn--accent { background: var(--gold); color: var(--navy-deep); }
.btn--accent:hover { background: #D4B262; }
.btn--outline { background: var(--white); color: var(--navy); border-color: var(--navy); }
.btn--outline:hover { background: var(--surface); }
.btn--outline-light { color: var(--white); border-color: rgba(255, 255, 255, .5); }
.btn--outline-light:hover { border-color: var(--white); }
.btn--link { min-height: 0; padding: 0; color: var(--blue); justify-content: flex-start; }
.btn--link:hover { text-decoration: underline; }
.btn--sm { min-height: 40px; padding: 8px 16px; font-size: 15px; }
.btn-row { display: flex; flex-direction: column; gap: 12px; }

/* Header */
.site-header { background: var(--white); border-bottom: 1px solid var(--line); }
.site-header .container { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 64px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.brand img { width: 42px; height: 34px; }
.brand__name { display: block; font: 600 19px/1 var(--serif); letter-spacing: .08em; color: var(--navy); }
.brand__sub { display: block; margin-top: 4px; font: 400 8.5px/1 var(--serif); letter-spacing: .2em; color: var(--gold-dark); }
.brand--light .brand__name { color: var(--white); }
.brand--light .brand__sub { color: var(--gold); }
.nav, .header-phone { display: none; }
.nav a { color: var(--ink); font-weight: 500; font-size: 15px; text-decoration: none; }
.nav a:hover { color: var(--blue); }
.header-actions { display: flex; align-items: center; gap: 20px; }
.header-phone { align-items: center; gap: 6px; color: var(--navy); font-weight: 600; font-size: 15px; text-decoration: none; }

/* Hero */
.hero { padding: 40px 0 48px; }
.hero .container { display: grid; gap: 32px; }
.hero__text { display: grid; gap: 20px; align-content: start; }
.hero h1 { font-size: 38px; line-height: 1.12; }
.hero__lead { color: rgba(255, 255, 255, .82); }
.reassure { display: flex; align-items: center; gap: 8px; font-size: 14px; color: rgba(255, 255, 255, .75); }
.reassure .icon { color: var(--gold); }

/* Status card (decorative) */
.status { display: grid; gap: 14px; padding: 20px; border-radius: 16px; background: var(--white); color: var(--ink); box-shadow: 0 24px 48px rgba(0, 0, 0, .25); }
.status__head { display: flex; justify-content: space-between; align-items: center; gap: 12px; padding-bottom: 14px; border-bottom: 1px solid var(--line); }
.status__title { font-weight: 600; }
.status__sub { font-size: 14px; color: var(--muted); }
.pill { padding: 4px 10px; border-radius: 99px; background: var(--gold-soft); color: #6E500F; font-size: 12px; font-weight: 600; white-space: nowrap; }
.status__steps { display: grid; gap: 14px; }
.status__steps li { display: flex; align-items: center; gap: 12px; font-size: 15px; }
.status__steps .meta { margin-left: auto; font-size: 13px; color: var(--muted); }
.dot { display: grid; place-items: center; width: 28px; height: 28px; border-radius: 50%; flex: none; background: var(--surface); border: 1px solid var(--line); }
.dot--done { background: var(--success-soft); border-color: transparent; color: var(--success); }
.dot--now { background: var(--gold-soft); border-color: transparent; }
.dot--now::after { content: ''; width: 10px; height: 10px; border-radius: 50%; background: var(--gold); }
.status__steps .is-now { font-weight: 600; }
.status__steps .is-todo { color: var(--muted); }
.status__note { display: flex; align-items: center; gap: 8px; padding: 12px 14px; border-radius: 10px; background: var(--surface); font-size: 13px; color: var(--muted); }
.status__note .icon { color: var(--navy); }

/* Cards */
.cards { display: grid; gap: 24px; }
.card { display: flex; flex-direction: column; gap: 12px; padding: 20px; border: 1px solid var(--line); border-radius: 16px; background: var(--white); }
.card h3 { font-size: 21px; color: var(--ink); }
.card p { font-size: 15px; color: var(--muted); }
.card .btn--link { margin-top: auto; padding-top: 8px; }
.icon-wrap { display: grid; place-items: center; width: 48px; height: 48px; border-radius: 12px; background: var(--surface); color: var(--navy); }
.icon-wrap .icon { width: 24px; height: 24px; }
.checks { display: grid; gap: 10px; font-size: 15px; }
.checks li { display: flex; align-items: center; gap: 10px; }
.checks .icon { width: 16px; height: 16px; color: var(--success); }

/* Steps */
.steps { display: grid; gap: 24px; }
.step { display: flex; gap: 16px; }
.step h3 { font: 600 17px/1.3 var(--sans); color: var(--ink); margin-bottom: 4px; }
.step p { font-size: 15px; color: var(--muted); }
.num { display: grid; place-items: center; width: 36px; height: 36px; flex: none; border-radius: 50%; background: var(--navy); color: var(--gold); font: 600 17px/1 var(--serif); }

/* Split sections (why, faq) */
.split { display: grid; gap: 24px; }
.split__intro { display: grid; gap: 14px; align-content: start; }
.split__intro h2 { font-size: 30px; line-height: 1.2; }
.split__intro p { color: var(--muted); }
.reasons { display: grid; gap: 16px; }
.reason { display: grid; gap: 8px; padding: 22px; border-radius: 16px; background: var(--surface); }
.reason h3 { font: 600 17px/1.3 var(--sans); color: var(--ink); }
.reason p { font-size: 15px; color: var(--muted); }
.reason .icon-wrap { width: 40px; height: 40px; border-radius: 50%; background: var(--white); }
.reason .icon-wrap .icon { width: 20px; height: 20px; }
.faq { display: grid; gap: 14px; }
.faq__item { padding: 18px; border-radius: 12px; background: var(--white); }
.faq__item h3 { font: 600 16px/1.35 var(--sans); color: var(--ink); margin-bottom: 6px; }
.faq__item p { font-size: 15px; color: var(--muted); }

/* CTA band */
.cta { text-align: center; }
.cta .container { display: grid; gap: 16px; justify-items: center; }
.cta h2 { font-size: 30px; line-height: 1.2; }
.cta p { color: rgba(255, 255, 255, .82); }
.cta .btn-row { width: 100%; }

/* Footer */
.site-footer { padding: 40px 0; background: var(--navy-deep); color: rgba(255, 255, 255, .85); font-size: 15px; }
.site-footer a { color: inherit; }
.footer__top { display: grid; gap: 28px; }
.footer__brand { display: grid; gap: 14px; max-width: 340px; }
.footer__brand p { color: rgba(255, 255, 255, .7); }
.footer__col { display: grid; gap: 12px; align-content: start; }
.footer__col h2 { font: 600 12px/1.2 var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--gold); }
.footer__col li { display: flex; align-items: center; gap: 10px; }
.footer__col .icon { color: var(--gold); width: 18px; height: 18px; }
.footer__bottom { display: grid; gap: 12px; margin-top: 28px; padding-top: 24px; border-top: 1px solid rgba(255, 255, 255, .15); font-size: 13px; color: rgba(255, 255, 255, .68); }

@media (min-width: 768px) {
  .btn-row { flex-direction: row; flex-wrap: wrap; }
  .cta .btn-row { justify-content: center; width: auto; }
  .reasons { grid-template-columns: 1fr 1fr; }
  .footer__top { grid-template-columns: 1.2fr 1fr auto; }
}

@media (min-width: 1024px) {
  .section { padding: 96px 0; }
  .heading { margin-bottom: 48px; gap: 12px; }
  .heading h2, .split__intro h2 { font-size: 40px; }
  .heading p { font-size: 18px; }
  .eyebrow { font-size: 13px; }
  .nav { display: flex; gap: 32px; }
  .header-phone { display: inline-flex; }
  .site-header .container { min-height: 72px; }
  .brand img { width: 48px; height: 39px; }
  .brand__name { font-size: 22px; }
  .brand__sub { font-size: 9.5px; }
  .hero { padding: 96px 0; }
  .hero .container { grid-template-columns: 1fr 440px; gap: 80px; align-items: center; }
  .hero__text { gap: 24px; }
  .hero h1 { font-size: 60px; line-height: 1.08; }
  .hero__lead { font-size: 19px; line-height: 1.6; }
  .reassure { font-size: 15px; }
  .status { padding: 28px; border-radius: 20px; gap: 16px; }
  .status__steps li { font-size: 16px; }
  .cards { grid-template-columns: repeat(3, 1fr); }
  .card { padding: 32px; border-radius: 20px; gap: 16px; }
  .card h3 { font-size: 26px; }
  .card p { font-size: 16px; }
  .icon-wrap { width: 56px; height: 56px; border-radius: 14px; }
  .icon-wrap .icon { width: 28px; height: 28px; }
  .steps { grid-template-columns: repeat(4, 1fr); gap: 32px; }
  .step { flex-direction: column; gap: 14px; }
  .step h3 { font-size: 19px; }
  .step p { font-size: 16px; }
  .num { width: 44px; height: 44px; font-size: 20px; }
  .split { grid-template-columns: 440px 1fr; gap: 64px; }
  .split__intro p { font-size: 18px; }
  .reason { padding: 24px; }
  .faq__item { padding: 24px; border-radius: 14px; }
  .faq__item h3 { font-size: 17px; }
  .faq__item p { font-size: 16px; }
  .cta h2 { font-size: 44px; }
  .cta p { font-size: 18px; }
  .site-footer { padding: 64px 0; }
  .footer__bottom { grid-template-columns: 1fr auto; gap: 64px; margin-top: 32px; padding-top: 32px; }
}

/* App pages (apply, thanks, upload) */
.app-page { display: flex; flex-direction: column; min-height: 100vh; }
.app-main { flex: 1; padding: 28px 0 48px; }
.header-phone--always { display: inline-flex; }
.narrow { max-width: 680px; display: grid; gap: 24px; }
.page-title { display: grid; gap: 8px; }
.page-title h1, .success h1 { font-size: 28px; line-height: 1.18; }
.page-title p, .success p { color: var(--muted); }
.apply { display: grid; gap: 20px; }
.apply__side { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.apply__points, .apply__help { display: none; }
.form-frame { display: block; width: 100%; min-height: 760px; border: 0; }
.form-fallback { font-size: 14px; color: var(--muted); }
.success { display: grid; gap: 14px; justify-items: center; text-align: center; padding-top: 12px; }
.success__badge { display: grid; place-items: center; width: 64px; height: 64px; border-radius: 50%; background: var(--success-soft); color: var(--success); }
.success__badge .icon { width: 32px; height: 32px; }
.next-steps { display: grid; gap: 16px; padding: 20px; border: 1px solid var(--line); border-radius: 16px; }
.next-steps h2 { font: 600 16px/1.3 var(--sans); color: var(--ink); }
.next-steps ol { display: grid; gap: 16px; }
.next-steps li { display: flex; gap: 14px; }
.next-steps .num { width: 28px; height: 28px; font-size: 14px; }
.next-steps h3 { font: 600 15px/1.35 var(--sans); color: var(--ink); }
.next-steps p { font-size: 14px; color: var(--muted); }
.btn-row--center { justify-content: center; }
.doc-list { display: grid; gap: 10px; padding: 18px; border-radius: 12px; background: var(--surface); font-size: 15px; }
.doc-list h2 { font: 600 15px/1.3 var(--sans); color: var(--ink); }
.doc-list dl { margin: 0; display: grid; gap: 8px; }
.doc-list dt { font-weight: 600; }
.doc-list dd { margin: 0; color: var(--muted); }
.doc-list__note { font-size: 14px; color: var(--muted); }
.slim-footer { padding: 24px 0; background: var(--surface); font-size: 13px; color: var(--muted); }
.slim-footer .container { display: grid; gap: 10px; }
.slim-footer__links { display: flex; flex-wrap: wrap; gap: 8px 20px; font-size: 14px; }
.slim-footer__links strong { color: var(--ink); }
.slim-footer__links strong a { color: inherit; }

/* Application form */
.header-step { font-size: 15px; color: var(--muted); }
.progress { height: 4px; margin-top: -1px; background: var(--line); }
.progress__fill { width: 25%; height: 100%; background: var(--gold); transition: width .3s ease; }
body[data-step="2"] .progress__fill { width: 50%; }
body[data-step="3"] .progress__fill { width: 75%; }
body[data-step="4"] .progress__fill { width: 100%; }
.apply-form { display: grid; gap: 24px; }
.form-step { display: grid; gap: 20px; }
.step__title { display: grid; gap: 8px; }
.step__title h2 { font-size: 28px; line-height: 1.18; }
.step__title h2:focus { outline: none; }
.step__title p { color: var(--muted); }
.back { display: inline-flex; align-items: center; gap: 4px; justify-self: start; min-height: 24px; padding: 4px 0; border: 0; background: none; color: var(--blue); font: 600 15px/1.2 var(--sans); cursor: pointer; }
.choices { display: grid; gap: 12px; min-width: 0; margin: 0; padding: 0; border: 0; }
.choice { display: flex; align-items: center; gap: 14px; padding: 16px; border: 1px solid var(--line); border-radius: 12px; background: var(--white); cursor: pointer; }
.choice:hover { border-color: var(--steel); }
.choice:has(input:checked) { border-color: var(--navy); box-shadow: inset 0 0 0 1px var(--navy); background: var(--surface); }
.choice:has(input:focus-visible) { outline: 3px solid var(--blue); outline-offset: 2px; }
.choice__icon { display: grid; place-items: center; width: 44px; height: 44px; flex: none; border-radius: 10px; background: var(--surface); color: var(--navy); }
.choice:has(input:checked) .choice__icon { background: var(--navy); color: var(--white); }
.choice__text { display: grid; gap: 2px; flex: 1; }
.choice__name { font-weight: 600; font-size: 16px; color: var(--ink); }
.choice__desc { font-size: 14px; line-height: 1.4; color: var(--muted); }
.choice__dot { width: 22px; height: 22px; flex: none; border: 1.5px solid var(--line); border-radius: 50%; background: var(--white); }
.choice:has(input:checked) .choice__dot { border: 6px solid var(--navy); }
.row { display: grid; gap: 20px; }
.field { display: grid; gap: 6px; align-content: start; }
.field label { font-weight: 600; font-size: 14px; color: var(--ink); }
.optional { font-weight: 400; color: var(--muted); }
.field input, .field select { width: 100%; height: 52px; padding: 0 14px; border: 1px solid var(--line); border-radius: 10px; background: var(--white); font: 400 16px/1.2 var(--sans); color: var(--ink); }
.field select { appearance: none; padding-right: 42px; background: var(--white) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234A5868' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E") no-repeat right 14px center / 18px; }
.field input::placeholder { color: #6B7785; }
.field input:hover, .field select:hover { border-color: var(--steel); }
.field input:focus, .field select:focus { border-color: var(--navy); }
.is-invalid input, .is-invalid select, .choices.is-invalid .choice { border-color: #B42318; }
.field__error { font-size: 14px; color: #B42318; }
.summary { display: grid; gap: 12px; margin: 0; padding: 18px; border-radius: 12px; background: var(--surface); }
.summary div { display: flex; justify-content: space-between; gap: 12px; font-size: 14px; }
.summary dt { color: var(--muted); }
.summary dd { margin: 0; font-weight: 600; text-align: right; overflow-wrap: anywhere; }
.check { display: flex; flex-wrap: wrap; align-items: flex-start; gap: 12px; font-size: 14px; line-height: 1.5; cursor: pointer; }
.check > span { flex: 1; }
.check input { width: 22px; height: 22px; flex: none; margin: 0; accent-color: var(--navy); }
.check .field__error { flex-basis: 100%; padding-left: 34px; }
.actions { display: grid; gap: 16px; }
.actions .btn { width: 100%; white-space: nowrap; }
.btn:disabled { opacity: .7; cursor: progress; }
.secure { display: flex; justify-content: center; align-items: center; gap: 8px; font-size: 13px; color: var(--muted); }
.secure .icon { width: 14px; height: 14px; }
.fine-print { font-size: 13px; color: var(--muted); text-align: center; }
.form-error { padding: 14px 16px; border-radius: 10px; background: #FDECEA; color: #8A1C14; font-size: 15px; }
.form-error a { color: inherit; font-weight: 600; }
@media (prefers-reduced-motion: reduce) { .progress__fill { transition: none; } }

@media (min-width: 768px) {
  .row { grid-template-columns: 1fr 1fr; gap: 16px; }
  .field--short { max-width: 280px; }
  .actions { display: flex; align-items: center; gap: 20px; }
  .actions .btn { width: auto; }
  .fine-print { text-align: left; }
}

@media (min-width: 1024px) {
  .app-main { padding: 64px 0 96px; }
  .page-title h1, .success h1 { font-size: 36px; }
  .success__badge { width: 72px; height: 72px; }
  .apply { grid-template-columns: 420px minmax(0, 580px); gap: 96px; align-items: start; }
  .apply__side { position: static; width: auto; height: auto; overflow: visible; clip: auto; white-space: normal; display: grid; gap: 20px; padding: 36px; border-radius: 20px; background: var(--navy-deep); color: var(--white); }
  .apply__side h1 { color: var(--white); font-size: 30px; }
  .step__title h2 { font-size: 34px; }
  .apply__points { display: grid; gap: 14px; padding-bottom: 20px; border-bottom: 1px solid rgba(255, 255, 255, .15); }
  .apply__points li { display: flex; align-items: center; gap: 12px; }
  .apply__points .icon { color: var(--gold); width: 18px; height: 18px; }
  .apply__help { display: block; font-size: 14px; color: rgba(255, 255, 255, .7); }
  .next-steps { padding: 28px; }
  .slim-footer .container { grid-template-columns: auto minmax(0, 560px); justify-content: space-between; align-items: center; gap: 40px; }
}

/* Legal pages */
.prose h2 { margin-top: 12px; font-size: 22px; color: var(--ink); }
.placeholder { padding: 14px 16px; border-radius: 8px; background: var(--surface); color: var(--muted); font-size: 15px; }
.prose ul { list-style: disc; padding-left: 22px; display: grid; gap: 8px; }