:root {
  --navy: #1E3A5F;
  --navy2: #162C49;
  --green: #22C55E;
  --green-dark: #16A34A;
  --green-light: #DCFCE7;
  --blue-muted: #93C5FD;
  --white: #FFFFFF;
  --gray-50: #F9FAFB;
  --gray-100: #F3F4F6;
  --gray-300: #D1D5DB;
  --gray-500: #6B7280;
  --gray-700: #374151;
  --gray-900: #111827;
  --font: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --radius: 8px;
  --radius-lg: 12px;
  --shadow: 0 4px 24px rgba(0,0,0,0.12);
  --transition: 0.2s ease;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body { font-family: var(--font); color: var(--gray-700); background: var(--white); line-height: 1.6; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

.container { max-width: 1100px; margin: 0 auto; padding: 0 1.25rem; }

/* ── NAV ── */
nav { background: var(--navy); position: sticky; top: 0; z-index: 100; box-shadow: 0 2px 12px rgba(0,0,0,0.3); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; padding: 1rem 1.25rem; max-width: 1100px; margin: 0 auto; }
.nav-logo { font-size: 1.2rem; font-weight: 700; color: var(--white); letter-spacing: -0.02em; }
.nav-logo span { color: var(--green); }
.nav-phone { background: var(--green); color: var(--white); padding: 0.5rem 1.25rem; border-radius: var(--radius); font-weight: 700; font-size: 1rem; transition: background var(--transition); white-space: nowrap; }
.nav-phone:hover { background: var(--green-dark); }

/* ── HERO ── */
.hero { background: var(--navy); color: var(--white); padding: 5rem 1.25rem 4rem; text-align: center; }
.hero-badge { display: inline-block; background: var(--green); color: var(--white); font-size: 0.8rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; padding: 0.3rem 1rem; border-radius: 100px; margin-bottom: 1.5rem; }
.hero h1 { font-size: clamp(2rem, 5vw, 3.2rem); font-weight: 800; line-height: 1.15; letter-spacing: -0.03em; margin-bottom: 1.25rem; max-width: 800px; margin-left: auto; margin-right: auto; }
.hero h1 span { color: var(--green); }
.hero-sub { font-size: 1.15rem; color: var(--blue-muted); max-width: 580px; margin: 0 auto 2.5rem; line-height: 1.7; }
.hero-ctas { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; margin-bottom: 3rem; }

.btn-primary { background: var(--green); color: var(--white); padding: 0.9rem 2rem; border-radius: var(--radius); font-weight: 700; font-size: 1.05rem; border: none; cursor: pointer; transition: background var(--transition), transform var(--transition); display: inline-block; }
.btn-primary:hover { background: var(--green-dark); transform: translateY(-1px); }
.btn-secondary { background: transparent; color: var(--white); padding: 0.9rem 2rem; border-radius: var(--radius); font-weight: 600; font-size: 1.05rem; border: 2px solid rgba(255,255,255,0.3); cursor: pointer; transition: border-color var(--transition); display: inline-block; }
.btn-secondary:hover { border-color: var(--green); color: var(--green); }

.hero-trust { display: flex; justify-content: center; gap: 2rem; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 0.4rem; font-size: 0.9rem; color: var(--blue-muted); }
.trust-check { width: 18px; height: 18px; background: var(--green); border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.trust-check::after { content: ''; width: 6px; height: 4px; border-left: 2px solid #fff; border-bottom: 2px solid #fff; transform: rotate(-45deg) translateY(-1px); }

/* ── OPTIONS ── */
.options-section { padding: 5rem 1.25rem; background: var(--gray-50); }
.section-label { font-size: 0.8rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--green); margin-bottom: 0.75rem; text-align: center; }
.section-title { font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 700; letter-spacing: -0.02em; text-align: center; margin-bottom: 0.75rem; }
.section-sub { text-align: center; color: var(--gray-500); max-width: 520px; margin: 0 auto 3rem; font-size: 1rem; }
.options-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 1.5rem; }
.option-card { background: var(--white); border-radius: var(--radius-lg); padding: 2rem; border: 2px solid var(--gray-100); transition: border-color var(--transition), box-shadow var(--transition); }
.option-card:hover { border-color: var(--green); box-shadow: 0 4px 20px rgba(34,197,94,0.1); }
.option-icon { width: 56px; height: 56px; background: var(--green-light); border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 1.6rem; margin-bottom: 1.25rem; }
.option-card h3 { font-size: 1.15rem; font-weight: 700; color: var(--navy); margin-bottom: 0.6rem; }
.option-card p { font-size: 0.9rem; color: var(--gray-500); line-height: 1.6; margin-bottom: 1rem; }
.option-card ul { padding-left: 0; }
.option-card li { font-size: 0.88rem; color: var(--gray-700); padding: 0.25rem 0; display: flex; align-items: flex-start; gap: 0.5rem; }
.option-card li::before { content: '✓'; color: var(--green); font-weight: 700; flex-shrink: 0; }

/* ── APPLICATION FORM ── */
.form-section { background: var(--navy); padding: 5rem 1.25rem; }
.form-wrap { max-width: 680px; margin: 0 auto; background: var(--white); border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: 2.5rem; }
.form-wrap h2 { font-size: 1.6rem; font-weight: 700; color: var(--navy); margin-bottom: 0.5rem; letter-spacing: -0.02em; }
.form-wrap p { color: var(--gray-500); margin-bottom: 1.75rem; font-size: 0.95rem; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-grid .full { grid-column: 1 / -1; }
label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--gray-700); margin-bottom: 0.35rem; }
input, select, textarea { width: 100%; padding: 0.7rem 0.9rem; border: 1.5px solid var(--gray-300); border-radius: var(--radius); font-size: 0.95rem; font-family: var(--font); color: var(--gray-900); background: var(--white); transition: border-color var(--transition); appearance: none; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--green); box-shadow: 0 0 0 3px rgba(34,197,94,0.15); }
select { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236B7280' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 0.9rem center; padding-right: 2.5rem; }
.btn-submit { width: 100%; background: var(--green); color: var(--white); padding: 1rem; border: none; border-radius: var(--radius); font-size: 1.1rem; font-weight: 700; cursor: pointer; transition: background var(--transition), transform var(--transition); margin-top: 0.5rem; }
.btn-submit:hover { background: var(--green-dark); transform: translateY(-1px); }
.form-note { text-align: center; font-size: 0.8rem; color: var(--gray-500); margin-top: 0.75rem; }
.form-success { display: none; text-align: center; padding: 2rem 0; }
.form-success h3 { font-size: 1.4rem; color: var(--navy); margin-bottom: 0.5rem; }

/* ── HOW IT WORKS ── */
.how-section { padding: 5rem 1.25rem; background: var(--white); }
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 1.5rem; }
.step { text-align: center; padding: 2rem 1.5rem; border: 1.5px solid var(--gray-100); border-radius: var(--radius-lg); }
.step-num { width: 52px; height: 52px; background: var(--green); color: var(--white); border-radius: 50%; font-size: 1.3rem; font-weight: 800; display: flex; align-items: center; justify-content: center; margin: 0 auto 1.25rem; }
.step h3 { font-size: 1.05rem; font-weight: 700; color: var(--navy); margin-bottom: 0.6rem; }
.step p { font-size: 0.88rem; color: var(--gray-500); line-height: 1.6; }

/* ── TESTIMONIALS ── */
.testimonials { padding: 5rem 1.25rem; background: var(--gray-50); }
.testi-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 1.5rem; margin-top: 3rem; }
.testi-card { background: var(--white); border-radius: var(--radius-lg); padding: 1.75rem; box-shadow: 0 2px 12px rgba(0,0,0,0.06); }
.stars { color: var(--green); font-size: 1.1rem; margin-bottom: 0.75rem; }
.testi-card blockquote { font-size: 0.95rem; color: var(--gray-700); line-height: 1.7; margin-bottom: 1rem; font-style: italic; }
.testi-author { font-size: 0.85rem; font-weight: 700; color: var(--navy); }
.testi-location { font-size: 0.8rem; color: var(--gray-500); }

/* ── FAQ ── */
.faq-section { padding: 5rem 1.25rem; background: var(--white); }
.faq-list { max-width: 740px; margin: 3rem auto 0; }
.faq-item { border-bottom: 1px solid var(--gray-100); padding: 1.25rem 0; }
.faq-q { display: flex; justify-content: space-between; align-items: center; cursor: pointer; font-weight: 600; font-size: 1rem; color: var(--navy); gap: 1rem; }
.faq-q::after { content: '+'; font-size: 1.4rem; color: var(--green); font-weight: 400; flex-shrink: 0; transition: transform var(--transition); }
.faq-item.open .faq-q::after { transform: rotate(45deg); }
.faq-a { font-size: 0.95rem; color: var(--gray-500); line-height: 1.7; max-height: 0; overflow: hidden; transition: max-height 0.3s ease, padding 0.2s; }
.faq-item.open .faq-a { max-height: 300px; padding-top: 0.75rem; }

/* ── CTA ── */
.cta-section { background: var(--navy); color: var(--white); padding: 5rem 1.25rem; text-align: center; }
.cta-section h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 700; letter-spacing: -0.02em; margin-bottom: 0.75rem; }
.cta-section h2 span { color: var(--green); }
.cta-section p { color: var(--blue-muted); margin-bottom: 2rem; }
.cta-phone { display: inline-flex; align-items: center; gap: 0.6rem; font-size: 1.6rem; font-weight: 800; color: var(--green); margin-bottom: 1.5rem; }

/* ── FOOTER ── */
footer { background: #0D1B2A; color: var(--gray-500); padding: 2.5rem 1.25rem; text-align: center; font-size: 0.85rem; }
footer a { color: var(--green); }
footer .footer-links { display: flex; gap: 1.5rem; justify-content: center; flex-wrap: wrap; margin-bottom: 1rem; }

@media (max-width: 600px) {
  .form-grid { grid-template-columns: 1fr; }
  .hero-ctas { flex-direction: column; align-items: center; }
  .hero-trust { flex-direction: column; align-items: center; gap: 0.75rem; }
  .cta-phone { font-size: 1.3rem; }
}