:root {
  --navy: #0b1f3a;
  --navy-soft: #12345c;
  --gold: #c9a227;
  --gold-light: #e8c96a;
  --cream: #f7f4ef;
  --white: #ffffff;
  --text: #1f2a37;
  --muted: #5b6775;
  --line: rgba(11, 31, 58, 0.12);
  --shadow: 0 18px 50px rgba(11, 31, 58, 0.12);
  --radius: 18px;
  --max: 1180px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Segoe UI", system-ui, -apple-system, sans-serif;
  color: var(--text);
  background: var(--cream);
  line-height: 1.6;
}

img {
  max-width: 100%;
  display: block;
}

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

.container {
  width: min(var(--max), calc(100% - 2rem));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  backdrop-filter: blur(14px);
  background: rgba(255, 255, 255, 0.92);
  border-bottom: 1px solid var(--line);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.85rem 0;
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.85rem;
}

.brand img {
  width: 54px;
  height: 54px;
  border-radius: 50%;
  object-fit: cover;
  box-shadow: var(--shadow);
}

.brand-text strong {
  display: block;
  font-size: 1rem;
  color: var(--navy);
}

.brand-text span {
  font-size: 0.82rem;
  color: var(--muted);
}

.nav {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.nav a {
  font-size: 0.95rem;
  color: var(--navy-soft);
  font-weight: 600;
}

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

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.85rem 1.35rem;
  border-radius: 999px;
  border: none;
  font-weight: 700;
  cursor: pointer;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}

.btn:hover {
  transform: translateY(-2px);
}

.btn-primary {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  box-shadow: 0 10px 24px rgba(201, 162, 39, 0.35);
}

.btn-secondary {
  background: var(--white);
  color: var(--navy);
  border: 1px solid var(--line);
}

.menu-toggle {
  display: none;
  background: none;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 0.55rem 0.75rem;
  font-size: 1.1rem;
}

.hero {
  position: relative;
  overflow: hidden;
  padding: 4.5rem 0 3.5rem;
  background:
    radial-gradient(circle at top right, rgba(201, 162, 39, 0.18), transparent 28%),
    linear-gradient(135deg, var(--navy), #163a66 58%, #1f5388);
  color: var(--white);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 2rem;
  align-items: start;
}

.eyebrow {
  display: inline-block;
  padding: 0.35rem 0.8rem;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.12);
  font-size: 0.82rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}

.hero h1 {
  font-size: clamp(2.2rem, 4vw, 3.6rem);
  line-height: 1.08;
  margin: 0 0 1rem;
}

.hero p {
  font-size: 1.08rem;
  color: rgba(255, 255, 255, 0.88);
  max-width: 38rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  margin-top: 1.6rem;
}

.hero-card {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 18px;
  padding: 0.65rem;
  box-shadow: var(--shadow);
  width: 118px;
  text-align: center;
}

.hero-card img,
.profile-photo {
  width: 96px;
  height: 96px;
  margin: 0 auto;
  border-radius: 50%;
  object-fit: cover;
  object-position: top center;
}

.hero-card .caption {
  padding: 0.55rem 0.15rem 0.1rem;
}

.hero-card .caption strong {
  display: block;
  font-size: 0.82rem;
  line-height: 1.25;
}

.hero-card .caption span {
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.72rem;
  line-height: 1.35;
  word-break: break-word;
}

.hero-card--light .caption strong {
  color: var(--navy);
}

.hero-card--light .caption span {
  color: var(--muted);
}

.trust-bar {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  margin-top: 2rem;
}

.trust-item {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 16px;
  padding: 1rem;
  text-align: center;
}

.trust-item strong {
  display: block;
  font-size: 1.35rem;
}

.section {
  padding: 4.5rem 0;
}

.section-header {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 2.5rem;
}

.section-header h2 {
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  color: var(--navy);
  margin: 0 0 0.75rem;
}

.section-header p {
  color: var(--muted);
  margin: 0;
}

.loan-groups {
  display: grid;
  gap: 2rem;
}

.loan-group {
  background: var(--white);
  border-radius: 24px;
  padding: 1.5rem;
  box-shadow: var(--shadow);
}

.group-title {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 1rem;
}

.group-title h3 {
  margin: 0;
  font-size: 1.45rem;
  color: var(--navy);
}

.group-title span {
  font-size: 1.5rem;
}

.loan-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1rem;
}

.loan-card {
  background: linear-gradient(180deg, #fff, #faf8f4);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.loan-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}

.loan-card img {
  width: 100%;
  height: 150px;
  object-fit: cover;
}

.loan-card-body {
  padding: 1rem 1rem 1.15rem;
}

.loan-card h4 {
  margin: 0 0 0.45rem;
  color: var(--navy);
}

.loan-card p {
  margin: 0 0 0.85rem;
  color: var(--muted);
  font-size: 0.95rem;
}

.loan-card a {
  color: var(--navy-soft);
  font-weight: 700;
  font-size: 0.92rem;
}

.feature-band {
  background: var(--white);
  border-block: 1px solid var(--line);
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.feature {
  padding: 1.5rem;
  border-radius: 18px;
  background: var(--cream);
}

.feature strong {
  display: block;
  margin-bottom: 0.35rem;
  color: var(--navy);
}

.reverse-highlight {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 2rem;
  align-items: center;
}

.reverse-list {
  display: grid;
  gap: 0.75rem;
  margin: 1.25rem 0 0;
  padding: 0;
  list-style: none;
}

.reverse-list li {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 0.85rem 1rem;
}

.video-wrap {
  aspect-ratio: 16/9;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: var(--shadow);
  background: #000;
}

.video-wrap iframe {
  width: 100%;
  height: 100%;
  border: 0;
}

.about-grid {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 2rem;
  align-items: start;
}

.about-photo-wrap {
  width: 118px;
  flex-shrink: 0;
}

.about-photo-wrap .profile-photo {
  border-radius: 18px;
  width: 110px;
  height: 130px;
  box-shadow: var(--shadow);
}

.about-panel {
  background: var(--white);
  border-radius: 24px;
  padding: 2rem;
  box-shadow: var(--shadow);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}

.contact-card,
.cta-panel {
  background: var(--white);
  border-radius: 24px;
  padding: 1.75rem;
  box-shadow: var(--shadow);
}

.contact-card h3,
.cta-panel h3 {
  margin-top: 0;
  color: var(--navy);
}

.contact-list {
  list-style: none;
  padding: 0;
  margin: 1rem 0 0;
}

.contact-list li {
  margin-bottom: 0.65rem;
}

.contact-list a {
  color: var(--navy-soft);
  font-weight: 600;
}

.partner-logos {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  align-items: center;
  margin-top: 1.25rem;
}

.partner-logos img {
  max-height: 54px;
  width: auto;
}

.site-footer {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.82);
  padding: 2rem 0;
  font-size: 0.92rem;
}

.site-footer .container {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: space-between;
  align-items: center;
}

@media (max-width: 960px) {
  .hero-grid,
  .reverse-highlight,
  .about-grid,
  .contact-grid,
  .feature-grid,
  .trust-bar {
    grid-template-columns: 1fr;
  }

  .nav {
    display: none;
    position: absolute;
    top: 100%;
    right: 1rem;
    left: 1rem;
    flex-direction: column;
    align-items: stretch;
    background: var(--white);
    padding: 1rem;
    border-radius: 18px;
    box-shadow: var(--shadow);
  }

  .nav.open {
    display: flex;
  }

  .menu-toggle {
    display: inline-flex;
  }

  .header-inner {
    position: relative;
  }
}

.apply-form {
  display: grid;
  gap: 0.9rem;
  margin-top: 1rem;
}

.apply-form label {
  display: grid;
  gap: 0.35rem;
  font-size: 0.92rem;
  color: var(--navy);
  font-weight: 600;
}

.apply-form input,
.apply-form select,
.apply-form textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 0.75rem 0.85rem;
  font: inherit;
  color: var(--text);
  background: var(--white);
}

.apply-form textarea {
  min-height: 120px;
  resize: vertical;
}

.apply-form .honeypot {
  display: none !important;
}

.program-detail {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 2rem;
  align-items: start;
  margin-bottom: 2rem;
}

.program-detail img {
  width: 100%;
  border-radius: 20px;
  box-shadow: var(--shadow);
}

.program-copy p {
  margin: 0 0 1rem;
}

@media (max-width: 960px) {
  .program-detail {
    grid-template-columns: 1fr;
  }
}

.form-note,
.form-banner {
  margin: 0 0 1rem;
  padding: 0.85rem 1rem;
  border-radius: 12px;
  font-size: 0.95rem;
}

.form-banner.success {
  background: #e8f6ec;
  color: #165a2b;
}

.form-banner.error {
  background: #fdecea;
  color: #8a1f11;
}

.program-points {
  display: grid;
  gap: 0.75rem;
  margin: 0;
  padding: 0;
  list-style: none;
}

.program-points li {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 0.85rem 1rem;
}