:root{--navy:#183850;--ink:#183850;--cyan:#20B8F8;--cyan-d:#0B7FB3;--muted:#4F6577;--line:#D7E8F2;--wash:#F4FAFD;--white:#fff;--ok:#127A3A;--err:#B42318;--r:14px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;padding-bottom:72px}
@media(min-width:900px){body{padding-bottom:0}}
img{max-width:100%;height:auto}a{color:var(--cyan-d)}a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--cyan);outline-offset:2px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 14px;z-index:99}.skip:focus{left:8px}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
h1,h2,h3{line-height:1.2;color:var(--navy)}h1{font-size:clamp(30px,5vw,48px);margin:.2em 0 .4em}h2{font-size:clamp(24px,3.4vw,34px)}h3{font-size:20px}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--cyan-d)}
header.sh{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.sh .wrap{display:flex;align-items:center;gap:16px;min-height:66px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;line-height:1.1}
.logo img{width:96px;height:auto}.logo span{font-size:15px}.logo small{display:block;font-weight:500;color:var(--muted);font-size:12px}
nav.main{margin-left:auto}nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:4px}
nav.main a{display:block;padding:8px 10px;text-decoration:none;color:var(--navy);font-weight:600;font-size:15px;border-radius:8px}nav.main a:hover,nav.main a[aria-current]{background:var(--wash)}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:10px 22px;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:16px}
.btn-p{background:var(--navy);color:#fff}.btn-p:hover{background:#0f2638;color:#fff}
.btn-c{background:var(--cyan);color:#06263a}.btn-c:hover{background:#4cc8fb;color:#06263a}
.btn-o{border-color:var(--navy);color:var(--navy);background:#fff}.btn-o:hover{background:var(--wash)}
.hdr-apply{margin-left:8px}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font-weight:700;color:var(--navy);min-height:44px}
@media(max-width:899px){.menu-btn{display:block}nav.main{display:none;position:absolute;left:0;right:0;top:66px;background:#fff;border-bottom:1px solid var(--line);padding:8px 20px 16px}nav.main.open{display:block}nav.main ul{flex-direction:column}nav.main a{padding:12px 8px;font-size:17px}.hdr-apply{min-height:40px;padding:6px 16px;font-size:15px}}
.hero{background:linear-gradient(160deg,var(--wash),#fff 60%);padding:48px 0 40px}
.hero .lede{font-size:clamp(18px,2.2vw,21px);color:var(--muted);max-width:720px}
.cta{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0}
.chips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:18px 0 0}.chips li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-size:14px;font-weight:600}
section{padding:44px 0}section.alt{background:var(--wash)}
.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}.card h3{margin-top:0}.card p{color:var(--muted);margin:.4em 0 1em}
.card a.more{font-weight:700;text-decoration:none}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
.steps li{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px;position:relative}.steps li::before{counter-increment:s;content:counter(s,decimal-leading-zero);font-weight:800;color:var(--cyan-d);display:block}
.prose{max-width:780px}.prose li{margin:.3em 0}
table.facts{border-collapse:collapse;width:100%;max-width:780px;margin:12px 0 20px}table.facts th,table.facts td{border-bottom:1px solid var(--line);text-align:left;padding:10px 8px;vertical-align:top}table.facts th{width:38%;color:var(--navy)}
details{border:1px solid var(--line);border-radius:12px;padding:12px 16px;margin:10px 0;background:#fff}summary{font-weight:700;cursor:pointer;color:var(--navy)}
.crumbs{font-size:14px;color:var(--muted);padding-top:16px}.crumbs a{color:var(--muted)}
.note{background:#FFF8E6;border:1px solid #F2D58A;border-radius:12px;padding:14px 16px;font-size:15px}
.band{background:var(--navy);color:#fff;padding:44px 0;text-align:center}.band h2{color:#fff}.band p{color:#C6D0DA}
footer{background:#0f2638;color:#C6D0DA;padding:40px 0 30px;font-size:14px}footer a{color:#9fe0ff}footer h4{color:#fff;margin:0 0 8px}
.fgrid{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}footer ul{list-style:none;padding:0;margin:0}footer li{margin:6px 0}
.legal{border-top:1px solid #2a4459;margin-top:24px;padding-top:18px}
.applybar{position:fixed;left:0;right:0;bottom:0;z-index:60;display:flex;gap:8px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line);box-shadow:0 -4px 16px rgba(0,0,0,.06)}
.applybar a{flex:1;text-align:center}@media(min-width:900px){.applybar{display:none}}
/* application */
.app{max-width:820px}.prog{display:flex;gap:6px;list-style:none;padding:0;margin:14px 0 6px;flex-wrap:wrap}
.prog li{flex:1;min-width:52px;height:6px;border-radius:6px;background:var(--line)}.prog li.on{background:var(--cyan)}.prog li.done{background:var(--navy)}
.steplabel{font-size:14px;color:var(--muted);margin:0 0 10px}
fieldset{border:1px solid var(--line);border-radius:var(--r);padding:20px;margin:0 0 18px;background:#fff}legend{font-weight:800;font-size:20px;color:var(--navy);padding:0 6px}
.f{display:grid;gap:14px;grid-template-columns:1fr}@media(min-width:640px){.f.two{grid-template-columns:1fr 1fr}.f.three{grid-template-columns:1fr 1fr 1fr}}
label.l{display:block;font-weight:600;font-size:15px}label.l .h{display:block;font-weight:400;color:var(--muted);font-size:13px}
input[type=text],input[type=email],input[type=tel],input[type=number],input[type=date],select,textarea{width:100%;margin-top:4px;padding:11px 12px;border:1px solid #9FB4C4;border-radius:10px;font:inherit;font-size:16px;background:#fff;color:var(--ink)}
textarea{min-height:110px}
.opt{display:flex;gap:10px;align-items:flex-start;font-weight:500;padding:6px 0}.opt input{margin-top:5px;width:18px;height:18px;flex:none}
.checks{display:grid;gap:2px;grid-template-columns:1fr}@media(min-width:640px){.checks{grid-template-columns:1fr 1fr}}
.req::after{content:" *";color:var(--err)}
.err{color:var(--err);font-size:14px;margin-top:4px}[aria-invalid=true]{border-color:var(--err)!important;outline-color:var(--err)}
.appnav{display:flex;gap:10px;justify-content:space-between;align-items:center;flex-wrap:wrap;margin-top:8px}
.saved{font-size:13px;color:var(--ok)}
.guar{border:1px dashed #9FB4C4;border-radius:12px;padding:14px;margin:10px 0}
.review dl{display:grid;grid-template-columns:minmax(140px,40%) 1fr;gap:6px 14px;margin:0 0 14px}.review dt{font-weight:700;color:var(--navy)}.review dd{margin:0;white-space:pre-wrap;word-break:break-word}
.review h3{border-bottom:1px solid var(--line);padding-bottom:6px;display:flex;justify-content:space-between;align-items:center}.review h3 button{font-size:14px;background:none;border:0;color:var(--cyan-d);text-decoration:underline;cursor:pointer}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
[hidden]{display:none!important}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
@media(max-width:899px){.logo small{display:none}.logo img{width:60px}.logo span{font-size:14px}.sh .wrap{gap:8px;padding:0 12px}}