:root {
  --ink: #172033;
  --muted: #5d6678;
  --blue: #174ea6;
  --red: #c5221f;
  --gold: #f7b731;
  --sky: #eaf4ff;
  --paper: #ffffff;
  --line: #d9e2ef;
  --soft: #f8fbff;
  --shadow: 0 18px 50px rgba(23, 32, 51, 0.12);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family:
    Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.5;
}

a {
  color: inherit;
  text-decoration: none;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  min-height: 68px;
  padding: 12px clamp(18px, 4vw, 56px);
  background: rgba(255, 255, 255, 0.92);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(16px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 36px;
  height: 36px;
  color: #fff;
  background: linear-gradient(135deg, var(--blue), var(--red));
  border-radius: 8px;
  font-size: 0.78rem;
  letter-spacing: 0.04em;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: clamp(12px, 2vw, 26px);
  color: var(--muted);
  font-size: 0.95rem;
  font-weight: 700;
}

.site-nav a:hover {
  color: var(--blue);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 10px;
}

.language-select,
input,
select {
  min-height: 44px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  color: var(--ink);
  font: inherit;
}

.language-select {
  padding: 0 10px;
  font-weight: 800;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 20px;
  border: 0;
  border-radius: 8px;
  color: #fff;
  background: var(--red);
  font-weight: 800;
  cursor: pointer;
  box-shadow: 0 12px 24px rgba(197, 34, 31, 0.18);
}

.button:hover {
  background: #a81d1a;
}

.button-light {
  color: var(--blue);
  background: #fff;
  border: 1px solid var(--line);
  box-shadow: none;
}

.button-small {
  min-height: 40px;
  padding: 0 14px;
  font-size: 0.9rem;
}

.hero {
  position: relative;
  min-height: 680px;
  display: grid;
  align-items: center;
  overflow: hidden;
  background: #dfefff;
}

.hero-media {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(5, 26, 62, 0.76) 0%, rgba(5, 26, 62, 0.56) 42%, rgba(5, 26, 62, 0.05) 100%),
    url("https://images.unsplash.com/photo-1511632765486-a01980e01a18?auto=format&fit=crop&w=1800&q=80");
  background-position: center;
  background-size: cover;
}

.hero-media::after {
  position: absolute;
  right: clamp(20px, 7vw, 110px);
  bottom: 54px;
  width: min(38vw, 420px);
  height: 210px;
  content: "";
  background:
    linear-gradient(#b22234 0 7.69%, #fff 7.69% 15.38%, #b22234 15.38% 23.07%, #fff 23.07% 30.76%, #b22234 30.76% 38.45%, #fff 38.45% 46.14%, #b22234 46.14% 53.83%, #fff 53.83% 61.52%, #b22234 61.52% 69.21%, #fff 69.21% 76.9%, #b22234 76.9% 84.59%, #fff 84.59% 92.28%, #b22234 92.28% 100%);
  border-radius: 8px;
  box-shadow: var(--shadow);
  opacity: 0.9;
}

.hero-content {
  position: relative;
  width: min(720px, calc(100% - 36px));
  margin-left: clamp(18px, 8vw, 112px);
  color: #fff;
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--red);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.hero .eyebrow {
  color: #ffdf72;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 680px;
  margin-bottom: 18px;
  font-size: clamp(3rem, 7vw, 5.9rem);
  line-height: 0.92;
  letter-spacing: 0;
}

h2 {
  margin-bottom: 18px;
  font-size: clamp(2rem, 4vw, 3.3rem);
  line-height: 1;
  letter-spacing: 0;
}

h3 {
  margin-bottom: 8px;
  font-size: 1.1rem;
}

.hero-copy {
  max-width: 610px;
  color: rgba(255, 255, 255, 0.92);
  font-size: clamp(1.05rem, 2vw, 1.3rem);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.micro-disclaimer {
  max-width: 680px;
  margin-top: 22px;
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.92rem;
}

.trust-strip {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line);
  border-bottom: 1px solid var(--line);
}

.trust-strip div {
  display: grid;
  gap: 4px;
  min-height: 118px;
  padding: 28px clamp(18px, 4vw, 56px);
  background: #fff;
}

.trust-strip strong {
  color: var(--blue);
  font-size: clamp(1.6rem, 3vw, 2.5rem);
  line-height: 1;
}

.trust-strip span {
  color: var(--muted);
  font-weight: 700;
}

.section {
  padding: clamp(64px, 10vw, 116px) clamp(18px, 5vw, 72px);
}

.split {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(320px, 1.1fr);
  gap: clamp(36px, 6vw, 76px);
  align-items: start;
}

.split p,
.apply-intro p,
.payment-section p,
.faq-section p {
  color: var(--muted);
  font-size: 1.05rem;
}

.steps {
  display: grid;
  gap: 14px;
}

.steps article,
.payment-card,
.faq-grid article {
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

.steps span {
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  margin-bottom: 16px;
  color: #fff;
  background: var(--blue);
  border-radius: 50%;
  font-weight: 900;
}

.light-band {
  background: linear-gradient(90deg, #eef7ff, #fff7e4);
  border-block: 1px solid var(--line);
}

.band-content {
  max-width: 940px;
}

.band-content h2 {
  max-width: 760px;
}

.band-content p {
  max-width: 780px;
  color: var(--muted);
  font-size: 1.12rem;
}

.apply-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(340px, 1.2fr);
  gap: clamp(30px, 5vw, 70px);
  background: var(--soft);
}

.check-list {
  display: grid;
  gap: 12px;
  margin: 28px 0 0;
  padding: 0;
  list-style: none;
}

.check-list li {
  padding-left: 30px;
  background: linear-gradient(var(--blue), var(--blue)) left 10px top 0.72em / 14px 3px no-repeat;
  color: var(--ink);
  font-weight: 800;
}

.intake-form {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  padding: clamp(20px, 4vw, 34px);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

label {
  display: grid;
  gap: 7px;
  color: var(--ink);
  font-size: 0.92rem;
  font-weight: 800;
}

input,
select {
  width: 100%;
  padding: 0 12px;
}

.full {
  grid-column: 1 / -1;
}

.consent {
  grid-template-columns: auto 1fr;
  align-items: start;
  color: var(--muted);
  font-weight: 600;
}

.consent input {
  width: 18px;
  min-height: 18px;
  margin-top: 3px;
}

.form-message {
  min-height: 24px;
  margin: 0;
  color: var(--blue);
  font-weight: 800;
}

.payment-section {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 420px);
  gap: clamp(28px, 5vw, 64px);
  align-items: center;
}

.payment-card {
  border-top: 6px solid var(--gold);
}

.payment-card strong {
  display: block;
  margin-bottom: 12px;
  color: var(--blue);
  font-size: 1.6rem;
}

.faq-section {
  background: #fbfcff;
  border-top: 1px solid var(--line);
}

.faq-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 28px;
}

.site-footer {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 28px;
  padding: 36px clamp(18px, 5vw, 72px);
  color: rgba(255, 255, 255, 0.84);
  background: #10213d;
}

.site-footer strong {
  display: block;
  margin-bottom: 8px;
  color: #fff;
}

.site-footer p {
  margin-bottom: 0;
}

.footer-disclaimer {
  font-size: 0.92rem;
}

@media (max-width: 900px) {
  .site-header {
    position: static;
    align-items: flex-start;
    flex-wrap: wrap;
  }

  .site-nav {
    order: 3;
    width: 100%;
    overflow-x: auto;
    padding-bottom: 4px;
  }

  .hero {
    min-height: 620px;
  }

  .hero-media::after {
    width: 260px;
    height: 130px;
    right: 18px;
    bottom: 24px;
  }

  .trust-strip,
  .split,
  .apply-layout,
  .payment-section,
  .faq-grid,
  .site-footer {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 620px) {
  .header-actions {
    width: 100%;
  }

  .header-actions .button {
    flex: 1;
  }

  .hero-content {
    margin-inline: 18px;
  }

  .hero {
    min-height: auto;
    padding: 54px 0 174px;
    align-items: start;
  }

  .hero-media::after {
    bottom: 22px;
    left: 18px;
    right: auto;
  }

  h1 {
    font-size: clamp(2.6rem, 15vw, 4rem);
  }

  .intake-form {
    grid-template-columns: 1fr;
  }

  .section {
    padding-block: 56px;
  }
}