:root{--navy:#0b2a5b;--blue:#1f5fbf;--ink:#16213a;--muted:#5d6b85;--bg:#f5f7fb;--line:#dfe5ef;--silver:#c9d1dd}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
h1,h2,h3{font-family:Cinzel,Georgia,serif;color:var(--navy);line-height:1.2;margin:0 0 16px}
h1{font-size:clamp(30px,5vw,52px)}h2{font-size:clamp(26px,3.4vw,38px)}h3{font-size:20px}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}.narrow{max-width:760px}.center{text-align:center}
.muted{color:var(--muted)}.small{font-size:14px}
.btn{display:inline-block;background:linear-gradient(135deg,var(--blue),var(--navy));color:#fff;border:0;border-radius:10px;padding:14px 26px;font:600 16px Inter,sans-serif;text-decoration:none;cursor:pointer;box-shadow:0 8px 20px rgba(11,42,91,.25);transition:transform .15s}
.btn:hover{transform:translateY(-2px)}.btn-lg{padding:18px 34px;font-size:18px}.btn-sm{padding:10px 18px;font-size:14px;box-shadow:none}
.btn-ghost{background:none;border:1px solid var(--line);border-radius:10px;padding:14px 22px;font:500 16px Inter,sans-serif;color:var(--muted);cursor:pointer}
.top{position:sticky;top:0;background:rgba(255,255,255,.95);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);z-index:5}
.top-in{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font:700 20px Cinzel,serif;color:var(--navy);letter-spacing:.06em}
.brand img{height:40px}.brand small{font-size:13px;letter-spacing:.3em;color:var(--blue)}
.hero{background:radial-gradient(1200px 500px at 70% -10%,#1f5fbf55,transparent),linear-gradient(160deg,#071d42,#0b2a5b 60%,#123b7a);color:#fff;padding:90px 0 100px;text-align:center}
.hero h1{color:#fff;max-width:900px;margin:0 auto 20px}.hero h1 span{background:linear-gradient(90deg,#e6ebf2,#9fb4d6);-webkit-background-clip:text;background-clip:text;color:transparent}
.eyebrow{display:inline-block;text-transform:uppercase;letter-spacing:.14em;font-size:13px;font-weight:600;color:#bcd0f0;border:1px solid #ffffff33;border-radius:99px;padding:6px 14px;margin:0 0 22px}
.eyebrow.dark{color:var(--blue);border-color:var(--line)}
.lead{font-size:19px;max-width:740px;margin:0 auto 26px;color:#dbe4f3}
.checks{list-style:none;padding:0;margin:0 auto 34px;display:flex;flex-wrap:wrap;justify-content:center;gap:10px 26px;color:#e8eef8}
.checks li:before{content:"✓";color:#7fb0ff;font-weight:700;margin-right:8px}
.note{color:#9fb4d6;font-size:14px;margin-top:14px}
.apply{background:var(--bg);padding:0 0 80px}.apply .card{margin-top:-50px}
.card{background:#fff;border-radius:18px;box-shadow:0 20px 50px rgba(11,42,91,.12);padding:40px;position:relative}
.card h2{text-align:center;font-size:26px}
.progress{height:6px;background:var(--line);border-radius:6px;margin:24px 0 28px;overflow:hidden}.bar{height:100%;width:0;background:linear-gradient(90deg,var(--blue),var(--navy));transition:width .3s}
fieldset{border:0;padding:0;margin:0;display:none}fieldset.active{display:block}
legend{font-weight:600;font-size:19px;margin-bottom:16px;color:var(--navy)}
.opt{display:block;margin-bottom:10px;cursor:pointer}.opt input{position:absolute;opacity:0}
.opt span{display:block;border:1.5px solid var(--line);border-radius:12px;padding:14px 18px;transition:.15s}
.opt:hover span{border-color:var(--blue)}.opt input:checked+span{border-color:var(--blue);background:#eef4ff;font-weight:600}
.field{display:block;font-size:14px;font-weight:500;margin-bottom:14px;color:var(--muted)}
.field input{display:block;width:100%;margin-top:6px;padding:13px 14px;border:1.5px solid var(--line);border-radius:10px;font:16px Inter,sans-serif}
.field input:focus{outline:0;border-color:var(--blue)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.consent{display:flex;gap:10px;font-size:13px;color:var(--muted);align-items:flex-start}.consent input{margin-top:4px}
.nav{display:flex;justify-content:space-between;gap:12px;margin-top:22px}.nav .btn{margin-left:auto}
.error{color:#b42318;font-size:14px}.done{text-align:center;padding:20px 0}.done h3{font-size:26px}
.value{padding:90px 0}.two{display:grid;grid-template-columns:1.1fr 1fr;gap:56px;align-items:center}
.tiles{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.tile{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:22px}.tile b{display:block;color:var(--navy);margin-bottom:6px}.tile span{color:var(--muted);font-size:15px}
.steps{background:linear-gradient(180deg,#fff,var(--bg));padding:80px 0}
.three{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:36px 0 44px}
.stepcard{background:#fff;border:1px solid var(--line);border-radius:16px;padding:30px;box-shadow:0 8px 24px rgba(11,42,91,.06)}
.num{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;font:700 18px Cinzel,serif;margin-bottom:14px}
.stepcard p{color:var(--muted);margin:0}
.faq{padding:80px 0}details{border-bottom:1px solid var(--line);padding:18px 0}summary{font-weight:600;cursor:pointer;color:var(--navy)}details p{color:var(--muted);margin:10px 0 0}
.foot{background:#fff;color:#33415c;border-top:1px solid #e3e8f0;padding:50px 0;text-align:center}.foot .muted{color:#6b7a93}
.foot-logo{width:260px;margin-bottom:12px}
@media(max-width:800px){.two,.three{grid-template-columns:1fr}.card{padding:26px 20px}.grid2{grid-template-columns:1fr}.hero{padding:60px 0 90px}.brand span{display:none}}
.steps-mini{list-style:none;padding:0;margin:22px auto 30px;display:grid;gap:10px;max-width:420px;text-align:left}
.steps-mini li:before{content:"✓";color:var(--blue);font-weight:700;margin-right:10px}
.affiliates{background:linear-gradient(160deg,#071d42,#0b2a5b 60%,#123b7a);color:#fff;padding:80px 0}.affiliates h2{color:#fff}
.btn-light{background:#fff;color:var(--navy)}
.top-links{display:flex;align-items:center;gap:20px}.top-links>a:not(.btn){color:var(--navy);text-decoration:none;font-weight:500;font-size:15px}
.hero h1 .big{display:inline-block;font-size:1.35em;background:linear-gradient(90deg,#fff,#cfe0ff 40%,#8fb6ff);-webkit-background-clip:text;background-clip:text;color:transparent;text-shadow:0 0 40px rgba(127,176,255,.35)}
.lead b{color:#fff}
.btn-glow{animation:glow 2.2s ease-in-out infinite;background:linear-gradient(135deg,#3b82f6,#1f5fbf)}
@keyframes glow{0%,100%{box-shadow:0 0 0 0 rgba(59,130,246,.6)}50%{box-shadow:0 0 0 14px rgba(59,130,246,0)}}
.dream{padding:90px 0;background:#fff}.dream .sub{max-width:640px;margin:0 auto;font-size:18px}
.dreamcard{background:var(--bg);border:1px solid var(--line);border-radius:18px;padding:30px;transition:transform .2s}.dreamcard:hover{transform:translateY(-4px)}
.dreamcard .ico{font-size:34px;display:block;margin-bottom:10px}.dreamcard p{color:var(--muted);margin:0}
.pain{background:linear-gradient(160deg,#071d42,#0b2a5b);color:#dbe4f3;border-radius:20px;padding:40px;text-align:center;font-size:19px}.pain b{color:#fff}.pain p{max-width:720px;margin:0 auto 24px}
.alert{background:#fbbf24;color:#3b2a00;text-align:center;font-size:14px;padding:9px 14px}.alert a{color:#3b2a00;font-weight:700}
.attn{background:#fbbf24;color:#3b2a00;border:0;font-weight:700}
.promise{max-width:820px;margin:8px auto 34px;padding:26px 30px;border-left:4px solid #7fb0ff;background:#ffffff10;border-radius:14px;font:500 clamp(18px,2.2vw,23px)/1.5 Georgia,serif;color:#e8eef8;font-style:italic;text-align:left}
.promise b{color:#fff}.promise em{font-style:normal;font-weight:800;color:#fff;background:linear-gradient(transparent 60%,#1f5fbf 60%)}
.stats{background:#071d42;color:#fff;padding:26px 0;border-top:1px solid #ffffff1a}
.stats-in{display:grid;grid-template-columns:repeat(4,1fr);text-align:center;gap:12px}.stats b{display:block;font:700 34px Cinzel,serif}.stats span{color:#9fb4d6;font-size:14px}
.apply .card{margin-top:50px}.center-block{display:table;margin:0 auto 14px}
.q{border-top:1px solid var(--line);padding:18px 0;transition:opacity .3s}.q.off{opacity:.35;pointer-events:none}.q p{font-weight:600;color:var(--navy);margin:0 0 10px}
.yn{display:flex;gap:10px}.yn button{flex:1;padding:14px;border:1.5px solid var(--line);border-radius:12px;background:#fff;font:600 16px Inter,sans-serif;cursor:pointer;color:var(--ink)}
.yn button:hover{border-color:var(--blue)}.yn button.on{background:var(--navy);color:#fff;border-color:var(--navy)}
.result{text-align:center;border-top:1px solid var(--line);padding-top:24px;margin-top:6px}.result h3{font-size:24px}.result p{color:var(--muted)}
.note.dark{color:var(--muted)}
.versus{padding:90px 0;background:var(--bg)}.hl{color:var(--blue)}
.vs{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:36px}.vs-col{border-radius:18px;padding:32px}.vs-col ul{list-style:none;padding:0;margin:0}.vs-col li{padding:10px 0;border-bottom:1px solid #0000000f}
.bad{background:#fff;border:1px solid var(--line)}.bad h3{color:#8a94a6}.bad li{color:#6b7280}.bad li:before{content:"✕";color:#dc2626;font-weight:700;margin-right:10px}
.good{background:linear-gradient(160deg,#0b2a5b,#1f5fbf);color:#fff;box-shadow:0 20px 50px rgba(11,42,91,.3)}.good h3{color:#fff}.good li{border-color:#ffffff22}.good li:before{content:"✓";color:#7fdc9f;font-weight:700;margin-right:10px}
.final{background:linear-gradient(160deg,#071d42,#0b2a5b 60%,#123b7a);color:#fff;padding:90px 0}.final h2{color:#fff}.final h2 span{color:#9fc0ff}
.sticky-cta{display:none}
@media(max-width:800px){.stats-in{grid-template-columns:1fr 1fr}.vs{grid-template-columns:1fr}.sticky-cta{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:9;background:linear-gradient(135deg,#3b82f6,#0b2a5b);color:#fff;text-align:center;padding:16px;border-radius:12px;font-weight:700;text-decoration:none;box-shadow:0 10px 30px rgba(0,0,0,.3)}.foot{padding-bottom:90px}.promise{padding:20px}}
.four{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin:36px 0 44px}.yn{flex-wrap:wrap}
@media(max-width:900px){.four{grid-template-columns:1fr 1fr}}@media(max-width:560px){.four{grid-template-columns:1fr}}

.founder{padding:90px 0;background:#fff}.founder-in{display:grid;grid-template-columns:400px 1fr;gap:56px;align-items:center}
.founder-photo{width:100%;height:auto;border-radius:20px;box-shadow:0 24px 60px rgba(11,42,91,.22);border:6px solid #fff;outline:1px solid var(--line)}
.founder .lead{color:var(--muted);margin:0 0 18px;max-width:none}
@media(max-width:800px){.founder{padding:60px 0}.founder-in{grid-template-columns:1fr;gap:30px}.founder-photo{max-width:340px;margin:0 auto;display:block}}