/* =====================================================================
   Momentum Fund Program — public stylesheet
   ===================================================================== */
:root {
  --ink: #0B1220;
  --ink-2: #1C2637;
  --ink-3: #3B4759;
  --muted: #5F6B7C;
  --muted-2: #8A94A6;
  --line: #E4E8EF;
  --line-2: #D5DBE6;
  --surface: #FFFFFF;
  --bg: #F6F7FA;
  --bg-2: #EEF1F7;
  --navy: #0B1B3A;
  --navy-2: #122650;
  --brand: #1F5BE8;
  --brand-600: #1748BE;
  --brand-700: #123A9A;
  --brand-100: #E6EDFD;
  --brand-50: #F2F6FF;
  --gold: #E2B85B;
  --gold-600: #C9A24A;
  --gold-100: #FBF3DF;
  --green: #15803D;
  --green-100: #DCFCE7;
  --red: #C2410C;
  --red-2: #B91C1C;
  --red-100: #FEE2E2;
  --amber-100: #FEF3C7;
  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  --radius-sm: 8px;
  --radius: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 2px rgba(11,18,32,.05), 0 1px 3px rgba(11,18,32,.06);
  --shadow: 0 4px 14px rgba(11,18,32,.06), 0 1px 3px rgba(11,18,32,.05);
  --shadow-lg: 0 24px 60px -20px rgba(11,27,58,.25), 0 8px 24px -12px rgba(11,27,58,.12);
  --ease: cubic-bezier(.2,.7,.2,1);
  --container: 1180px;
  --header-h: 76px;
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { animation-duration: .001ms !important; transition-duration: .001ms !important; } }
body { margin: 0; font-family: var(--font-body); font-size: 16px; line-height: 1.6; color: var(--ink); background: var(--surface); -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }
body.nav-open { overflow: hidden; }
img, svg { display: block; max-width: 100%; }
a { color: var(--brand); text-decoration: none; }
a:hover { color: var(--brand-600); }
h1, h2, h3, h4 { margin: 0; line-height: 1.15; letter-spacing: -.01em; }
h1, h2 { font-family: var(--font-display); font-weight: 500; }
h1 { font-size: clamp(2.2rem, 4.6vw, 3.6rem); }
h2 { font-size: clamp(1.75rem, 3.2vw, 2.5rem); }
h3 { font-size: 1.2rem; font-weight: 600; }
p { margin: 0 0 1em; }
button { font: inherit; }
::selection { background: var(--brand-100); color: var(--brand-700); }
:focus-visible { outline: 3px solid rgba(31,91,232,.45); outline-offset: 2px; border-radius: 4px; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.container--narrow { max-width: 820px; }
.skip-link { position: absolute; left: 16px; top: -60px; background: var(--ink); color: #fff; padding: 10px 14px; border-radius: 8px; z-index: 1000; transition: top .2s; }
.skip-link:focus { top: 12px; color: #fff; }
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.muted { color: var(--muted); }

/* ---------- Reveal animations ---------- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.is-visible { opacity: 1; transform: none; }
.steps .reveal:nth-child(2), .benefits .reveal:nth-child(2), .benefits .reveal:nth-child(5) { transition-delay: .08s; }
.steps .reveal:nth-child(3), .benefits .reveal:nth-child(3), .benefits .reveal:nth-child(6) { transition-delay: .16s; }

/* ---------- Typography helpers ---------- */
.eyebrow { display: inline-flex; align-items: center; gap: 10px; font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--brand); margin-bottom: 14px; }
.eyebrow::before { content: ""; width: 22px; height: 2px; background: currentColor; border-radius: 2px; }
.eyebrow--light { color: var(--gold); }
.link-arrow { font-weight: 600; display: inline-flex; align-items: center; gap: 6px; }
.link-arrow::after { content: "→"; transition: transform .2s; }
.link-arrow:hover::after { transform: translateX(3px); }
.link-btn { background: none; border: 0; padding: 0; color: var(--brand); font-weight: 600; cursor: pointer; text-decoration: underline; text-underline-offset: 3px; text-decoration-color: transparent; transition: text-decoration-color .2s; }
.link-btn:hover { text-decoration-color: currentColor; }
.link-btn--danger { color: var(--red-2); }

/* ---------- Buttons ---------- */
.btn { --btn-bg: var(--brand); --btn-fg: #fff; display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 12px 22px; border-radius: 999px; font-weight: 600; font-size: .95rem; line-height: 1.2; border: 1.5px solid transparent; background: var(--btn-bg); color: var(--btn-fg); cursor: pointer; white-space: nowrap; transition: transform .2s var(--ease), box-shadow .2s var(--ease), background .2s, color .2s, border-color .2s; }
.btn:hover { transform: translateY(-1px); color: var(--btn-fg); }
.btn:active { transform: translateY(0); }
.btn:disabled { opacity: .6; cursor: not-allowed; transform: none; }
.btn--primary { box-shadow: 0 6px 18px -6px rgba(31,91,232,.55); }
.btn--primary:hover { background: var(--brand-600); box-shadow: 0 10px 24px -8px rgba(31,91,232,.6); }
.btn--gold { --btn-bg: var(--gold); --btn-fg: var(--navy); box-shadow: 0 8px 22px -8px rgba(226,184,91,.7); }
.btn--gold:hover { background: #ECC66B; }
.btn--secondary { --btn-bg: var(--brand-100); --btn-fg: var(--brand-700); }
.btn--secondary:hover { background: #DCE6FB; }
.btn--ghost { --btn-bg: transparent; --btn-fg: var(--ink-2); border-color: var(--line-2); }
.btn--ghost:hover { background: var(--bg); }
.btn--outline-light { --btn-bg: transparent; --btn-fg: #fff; border-color: rgba(255,255,255,.35); }
.btn--outline-light:hover { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.6); }
.btn--sm { padding: 9px 16px; font-size: .88rem; }
.btn--lg { padding: 15px 30px; font-size: 1rem; }
.btn--block { width: 100%; }
.btn.is-loading { position: relative; color: transparent !important; pointer-events: none; }
.btn.is-loading::after { content: ""; position: absolute; width: 18px; height: 18px; border: 2px solid rgba(255,255,255,.5); border-top-color: #fff; border-radius: 50%; animation: spin .7s linear infinite; }
.btn--gold.is-loading::after, .btn--ghost.is-loading::after, .btn--secondary.is-loading::after { border-color: rgba(11,27,58,.3); border-top-color: var(--navy); }
@keyframes spin { to { transform: rotate(360deg); } }

/* ---------- Brand ---------- */
.brand { display: inline-flex; align-items: center; gap: 12px; color: inherit; }
.brand__mark { width: 40px; height: 40px; border-radius: 11px; box-shadow: 0 6px 14px -6px rgba(31,91,232,.5); transition: transform .3s var(--ease); }
.brand:hover .brand__mark { transform: translateY(-1px) rotate(-3deg); }
.brand__text { display: flex; flex-direction: column; line-height: 1; }
.brand__name { font-family: var(--font-display); font-weight: 600; font-size: 1.32rem; letter-spacing: -.01em; color: var(--ink); }
.brand__sub { font-size: .62rem; font-weight: 700; letter-spacing: .2em; text-transform: uppercase; color: var(--muted); margin-top: 4px; }
.brand--light .brand__name { color: #fff; }
.brand--light .brand__sub { color: rgba(255,255,255,.6); }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,.85); backdrop-filter: saturate(180%) blur(14px); -webkit-backdrop-filter: saturate(180%) blur(14px); border-bottom: 1px solid transparent; transition: border-color .3s, box-shadow .3s; }
.site-header.is-scrolled { border-color: var(--line); box-shadow: 0 6px 24px -18px rgba(11,18,32,.25); }
.site-header__inner { height: var(--header-h); display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.site-nav { display: flex; gap: 30px; }
.site-nav a { color: var(--ink-3); font-weight: 500; font-size: .95rem; position: relative; padding: 6px 0; }
.site-nav a::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 2px; background: var(--brand); border-radius: 2px; transform: scaleX(0); transform-origin: left; transition: transform .25s var(--ease); }
.site-nav a:hover { color: var(--ink); }
.site-nav a:hover::after { transform: scaleX(1); }
.site-header__actions { display: flex; align-items: center; gap: 12px; }
.nav-toggle { display: none; width: 44px; height: 44px; border: 0; background: transparent; border-radius: 10px; flex-direction: column; align-items: center; justify-content: center; gap: 5px; cursor: pointer; }
.nav-toggle span { width: 22px; height: 2px; background: var(--ink); border-radius: 2px; transition: transform .25s, opacity .25s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-nav { position: fixed; inset: 0; z-index: 200; }
.mobile-nav__backdrop { position: absolute; inset: 0; background: rgba(11,18,32,.45); opacity: 0; transition: opacity .25s; }
.mobile-nav__panel { position: absolute; top: 0; right: 0; bottom: 0; width: min(360px, 88vw); background: #fff; padding: 20px 24px 28px; display: flex; flex-direction: column; gap: 18px; transform: translateX(100%); transition: transform .3s var(--ease); box-shadow: var(--shadow-lg); overflow-y: auto; }
.mobile-nav.is-open .mobile-nav__backdrop { opacity: 1; }
.mobile-nav.is-open .mobile-nav__panel { transform: none; }
.mobile-nav__head { display: flex; align-items: center; justify-content: space-between; }
.mobile-nav__close { width: 40px; height: 40px; border: 0; background: var(--bg); border-radius: 10px; font-size: 1.5rem; line-height: 1; cursor: pointer; }
.mobile-nav__links { display: flex; flex-direction: column; margin-top: 6px; }
.mobile-nav__links a { padding: 14px 0; border-bottom: 1px solid var(--line); color: var(--ink); font-weight: 600; font-size: 1.05rem; }
.mobile-nav__note { color: var(--muted); font-size: .85rem; text-align: center; margin: 0; }

/* ---------- Hero ---------- */
.hero { position: relative; background: radial-gradient(1200px 600px at 80% -10%, #1B3A7A 0%, var(--navy) 55%); color: #fff; overflow: hidden; }
.hero::before { content: ""; position: absolute; inset: 0; background-image: linear-gradient(rgba(255,255,255,.045) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.045) 1px, transparent 1px); background-size: 48px 48px; mask-image: radial-gradient(ellipse at 50% 30%, #000 30%, transparent 75%); -webkit-mask-image: radial-gradient(ellipse at 50% 30%, #000 30%, transparent 75%); }
.hero__bg { position: absolute; inset: 0; pointer-events: none; }
.hero__orb { position: absolute; border-radius: 50%; filter: blur(60px); opacity: .55; }
.hero__orb--1 { width: 520px; height: 520px; right: -120px; top: -160px; background: radial-gradient(circle, rgba(31,91,232,.9), transparent 65%); animation: drift 14s ease-in-out infinite alternate; }
.hero__orb--2 { width: 380px; height: 380px; left: -140px; bottom: -160px; background: radial-gradient(circle, rgba(226,184,91,.45), transparent 65%); animation: drift 18s ease-in-out infinite alternate-reverse; }
@keyframes drift { from { transform: translate(0,0); } to { transform: translate(40px, 30px); } }
.hero__inner { position: relative; display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; padding: 88px 24px 104px; }
.hero__title { font-size: clamp(2.6rem, 5.4vw, 4.4rem); line-height: 1.05; letter-spacing: -.02em; margin-bottom: 22px; }
.hero__title em { font-style: italic; color: var(--gold); font-weight: 500; }
.hero__lead { font-size: 1.15rem; color: rgba(255,255,255,.78); max-width: 540px; margin-bottom: 32px; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 30px; }
.hero__points { display: flex; flex-wrap: wrap; gap: 22px; margin: 0; padding: 0; list-style: none; color: rgba(255,255,255,.75); font-size: .92rem; }
.hero__points li { display: flex; align-items: center; gap: 8px; }
.hero__points li::before { content: ""; width: 18px; height: 18px; border-radius: 50%; background: rgba(226,184,91,.18); border: 1.5px solid var(--gold); background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23E2B85B' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 8'/%3E%3C/svg%3E"); background-size: 11px; background-repeat: no-repeat; background-position: center; }

.hero__visual { position: relative; min-height: 380px; }
.app-card { background: #fff; color: var(--ink); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: 24px; }
.app-card--main { position: absolute; left: 40px; top: 20px; width: min(360px, 90%); animation: floaty 7s ease-in-out infinite; }
.app-card__head { display: flex; align-items: center; gap: 12px; margin-bottom: 18px; }
.app-card__head strong { display: block; font-size: .98rem; }
.app-card__head small { color: var(--muted); font-size: .8rem; }
.app-card__head .pill { margin-left: auto; }
.app-card__avatar { width: 44px; height: 44px; border-radius: 12px; background: linear-gradient(135deg, var(--navy-2), var(--brand)); color: #fff; font-weight: 700; display: grid; place-items: center; font-size: .9rem; }
.app-card__bar { height: 8px; background: var(--bg-2); border-radius: 99px; overflow: hidden; margin-bottom: 18px; }
.app-card__bar span { display: block; height: 100%; width: 82%; background: linear-gradient(90deg, var(--brand), #6D9BFF); border-radius: 99px; animation: grow 1.6s var(--ease) both; }
@keyframes grow { from { width: 0; } }
.app-card__list { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; font-size: .9rem; color: var(--ink-2); }
.app-card__list li { display: flex; align-items: center; gap: 10px; }
.app-card__list i { width: 20px; height: 20px; border-radius: 50%; background: var(--green-100); position: relative; }
.app-card__list i::after { content: ""; position: absolute; left: 6px; top: 3px; width: 5px; height: 9px; border: solid var(--green); border-width: 0 2px 2px 0; transform: rotate(45deg); }
.app-card--float { position: absolute; right: 0; top: 200px; display: flex; align-items: center; gap: 14px; padding: 16px 20px; animation: floaty 6s ease-in-out infinite reverse; }
.app-card--float strong { display: block; font-size: .92rem; }
.app-card--float small { color: var(--muted); font-size: .78rem; font-family: ui-monospace, SFMono-Regular, Menlo, monospace; }
.app-card__icon { width: 40px; height: 40px; border-radius: 50%; background: var(--green-100); color: var(--green); display: grid; place-items: center; font-weight: 700; }
.app-card--stat { position: absolute; left: 0; bottom: 0; padding: 18px 22px; animation: floaty 8s ease-in-out infinite; }
.app-card--stat strong { display: block; font-family: var(--font-display); font-size: 1.9rem; line-height: 1; color: var(--brand); }
.app-card--stat small { color: var(--muted); font-size: .8rem; }
@keyframes floaty { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }

.pill { display: inline-flex; align-items: center; padding: 4px 10px; border-radius: 99px; font-size: .74rem; font-weight: 700; letter-spacing: .02em; }
.pill--green { background: var(--green-100); color: var(--green); }

/* ---------- Trust bar ---------- */
.trustbar { background: var(--bg); border-bottom: 1px solid var(--line); }
.trustbar .container { display: flex; align-items: center; gap: 28px; padding-top: 18px; padding-bottom: 18px; flex-wrap: wrap; }
.trustbar p { margin: 0; font-size: .82rem; font-weight: 600; text-transform: uppercase; letter-spacing: .12em; color: var(--muted); }
.trustbar ul { display: flex; flex-wrap: wrap; gap: 8px 12px; list-style: none; padding: 0; margin: 0; }
.trustbar li { font-weight: 600; color: var(--ink-3); font-size: .9rem; padding: 6px 14px; background: #fff; border: 1px solid var(--line); border-radius: 99px; }

/* ---------- Sections ---------- */
.section { padding: 96px 0; }
.section--tint { background: var(--bg); }
.section__head { max-width: 680px; margin-bottom: 52px; }
.section__head p:last-child { color: var(--muted); font-size: 1.08rem; margin-top: 14px; }
.section__cta { margin-top: 52px; display: flex; align-items: center; gap: 20px; flex-wrap: wrap; color: var(--muted); font-size: .92rem; }

.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.step { position: relative; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 34px 30px 30px; box-shadow: var(--shadow-sm); transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s; }
.step:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--line-2); }
.step__num { font-family: var(--font-display); font-size: 2.6rem; color: var(--brand); opacity: .35; line-height: 1; display: block; margin-bottom: 18px; font-weight: 600; }
.step h3 { margin-bottom: 10px; }
.step p { color: var(--muted); margin: 0; }

.benefits { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.benefit { background: #fff; border-radius: var(--radius-lg); padding: 30px 28px; border: 1px solid var(--line); transition: transform .3s var(--ease), box-shadow .3s var(--ease); }
.benefit:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.benefit__icon { width: 50px; height: 50px; border-radius: 14px; background: var(--brand-100); color: var(--brand); display: grid; place-items: center; margin-bottom: 20px; }
.benefit__icon svg { width: 24px; height: 24px; fill: currentColor; }
.benefit h3 { margin-bottom: 8px; font-size: 1.08rem; }
.benefit p { color: var(--muted); margin: 0; font-size: .95rem; }

.trust__inner { display: grid; grid-template-columns: 1.15fr .85fr; gap: 64px; align-items: center; }
.trust__copy > p { color: var(--muted); font-size: 1.05rem; margin: 16px 0 24px; }
.checklist { list-style: none; padding: 0; margin: 0 0 26px; display: grid; gap: 12px; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; color: var(--ink-2); }
.checklist li::before { content: ""; flex: none; width: 22px; height: 22px; margin-top: 1px; border-radius: 50%; background: var(--green-100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2315803D' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 8'/%3E%3C/svg%3E") center/12px no-repeat; }
.trust__stats { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.stat { background: var(--navy); color: #fff; border-radius: var(--radius-lg); padding: 30px 26px; position: relative; overflow: hidden; }
.stat::after { content: ""; position: absolute; right: -30px; top: -30px; width: 110px; height: 110px; border-radius: 50%; background: radial-gradient(circle, rgba(31,91,232,.55), transparent 70%); }
.stat strong { display: block; font-family: var(--font-display); font-size: 2.6rem; line-height: 1; margin-bottom: 8px; color: var(--gold); }
.stat span { color: rgba(255,255,255,.7); font-size: .9rem; }
.stat:nth-child(2) { transform: translateY(18px); }
.stat:nth-child(4) { transform: translateY(18px); }

/* ---------- FAQ ---------- */
.faq { display: grid; gap: 12px; }
.faq__item { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; transition: box-shadow .3s; }
.faq__item[open] { box-shadow: var(--shadow); }
.faq__item summary { list-style: none; cursor: pointer; padding: 20px 56px 20px 24px; font-weight: 600; font-size: 1.02rem; position: relative; }
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary::after { content: ""; position: absolute; right: 22px; top: 50%; width: 10px; height: 10px; border-right: 2px solid var(--brand); border-bottom: 2px solid var(--brand); transform: translateY(-70%) rotate(45deg); transition: transform .25s var(--ease); }
.faq__item[open] summary::after { transform: translateY(-30%) rotate(225deg); }
.faq__body { padding: 0 24px 22px; color: var(--muted); }
.faq__body p { margin: 0; }

/* ---------- Contact strip ---------- */
.contact-strip__inner { display: grid; grid-template-columns: 1fr 1.2fr; gap: 48px; align-items: center; }
.contact-strip__inner > div:first-child p:last-child { color: var(--muted); font-size: 1.05rem; margin-top: 14px; }
.contact-strip__cards { display: grid; gap: 14px; }
.contact-card { display: flex; flex-direction: column; gap: 4px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 22px; color: var(--ink); transition: transform .25s var(--ease), box-shadow .25s var(--ease), border-color .25s; }
a.contact-card:hover { transform: translateY(-2px); box-shadow: var(--shadow); border-color: var(--line-2); color: var(--ink); }
.contact-card__label { font-size: .74rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); }
.contact-card strong { font-size: 1.02rem; }
.contact-card--action { background: var(--brand-50); border-color: var(--brand-100); }
.contact-card--action strong { color: var(--brand); }

.cta-band { background: linear-gradient(120deg, var(--navy) 0%, var(--navy-2) 60%, #1B3A7A 100%); color: #fff; padding: 72px 0; }
.cta-band__inner { display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.cta-band h2 { margin-bottom: 8px; }
.cta-band p { margin: 0; color: rgba(255,255,255,.72); font-size: 1.05rem; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero { background: radial-gradient(900px 400px at 85% -20%, #1B3A7A 0%, var(--navy) 60%); color: #fff; padding: 72px 0 64px; }
.page-hero h1 { margin-bottom: 12px; }
.page-hero p { color: rgba(255,255,255,.72); max-width: 640px; margin: 0; font-size: 1.08rem; }

/* ---------- Prose ---------- */
.prose h2 { font-family: var(--font-body); font-size: 1.3rem; font-weight: 700; margin: 36px 0 12px; }
.prose h2:first-child { margin-top: 0; }
.prose p, .prose li { color: var(--ink-2); }
.prose ul { padding-left: 22px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: rgba(255,255,255,.72); padding: 72px 0 32px; }
.site-footer__grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,.1); }
.site-footer__brand p { margin-top: 18px; max-width: 360px; font-size: .95rem; }
.site-footer h3 { color: #fff; font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 18px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; font-size: .95rem; }
.site-footer a { color: rgba(255,255,255,.72); transition: color .2s; }
.site-footer a:hover { color: #fff; }
.site-footer__bottom { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; padding-top: 26px; font-size: .85rem; color: rgba(255,255,255,.5); }
.site-footer__bottom p { margin: 0; }

/* ---------- Toasts ---------- */
.toast-stack { position: fixed; right: 20px; bottom: 20px; z-index: 500; display: flex; flex-direction: column; gap: 10px; max-width: min(420px, calc(100vw - 40px)); }
.toast { display: flex; align-items: flex-start; gap: 14px; background: var(--ink); color: #fff; padding: 14px 16px; border-radius: 12px; box-shadow: var(--shadow-lg); font-size: .93rem; animation: toast-in .35s var(--ease) both; border-left: 4px solid var(--brand); }
.toast--success { border-left-color: #22C55E; }
.toast--error { border-left-color: #EF4444; }
.toast--info { border-left-color: var(--gold); }
.toast.is-leaving { animation: toast-out .3s var(--ease) forwards; }
.toast__close { margin-left: auto; background: none; border: 0; color: rgba(255,255,255,.6); font-size: 1.2rem; line-height: 1; cursor: pointer; padding: 0; }
.toast__close:hover { color: #fff; }
@keyframes toast-in { from { opacity: 0; transform: translateY(12px); } }
@keyframes toast-out { to { opacity: 0; transform: translateY(12px); } }

/* ---------- Forms ---------- */
.form { display: flex; flex-direction: column; gap: 20px; }
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form__row--3 { grid-template-columns: 1fr 1fr 1fr; }
.field { display: flex; flex-direction: column; gap: 7px; min-width: 0; margin: 0; padding: 0; border: 0; }
.field--sm { max-width: 200px; }
.field label, .field legend { font-weight: 600; font-size: .92rem; color: var(--ink-2); padding: 0; }
.field label > input, .field label > select, .field label > textarea { margin-top: 7px; }
.req { color: var(--red-2); font-weight: 700; }
.opt { font-weight: 500; font-size: .78rem; color: var(--muted-2); margin-left: 4px; }
.field input:not([type="checkbox"]):not([type="radio"]):not([type="file"]), .field select, .field textarea, .chip-input input {
  width: 100%; padding: 13px 15px; border: 1.5px solid var(--line-2); border-radius: 10px; background: #fff; color: var(--ink); font: inherit; font-size: .97rem; transition: border-color .2s, box-shadow .2s; -webkit-appearance: none; appearance: none;
}
.field select { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235F6B7C' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; background-size: 16px; padding-right: 40px; }
.field textarea { resize: vertical; min-height: 110px; line-height: 1.55; }
.field input:hover, .field select:hover, .field textarea:hover { border-color: #B9C2D2; }
.field input:focus, .field select:focus, .field textarea:focus, .chip-input input:focus { outline: none; border-color: var(--brand); box-shadow: 0 0 0 4px rgba(31,91,232,.14); }
.field input::placeholder, .field textarea::placeholder { color: #A3ACBB; }
.field input:disabled { background: var(--bg); color: var(--muted-2); cursor: not-allowed; }
.field.is-disabled label { color: var(--muted-2); }
.field.has-error input, .field.has-error select, .field.has-error textarea, .has-error .chip-input input, .has-error .upload { border-color: var(--red-2); }
.field.has-error input:focus, .field.has-error textarea:focus { box-shadow: 0 0 0 4px rgba(185,28,28,.12); }
.field__error { margin: 0; color: var(--red-2); font-size: .85rem; font-weight: 500; display: flex; gap: 6px; align-items: flex-start; }
.field__error::before { content: "!"; flex: none; width: 16px; height: 16px; border-radius: 50%; background: var(--red-2); color: #fff; font-size: .7rem; font-weight: 800; display: grid; place-items: center; margin-top: 3px; }
.field__hint { margin: 0; color: var(--muted); font-size: .84rem; }
.field__meta { display: flex; justify-content: space-between; gap: 12px; }
.field__count { font-size: .8rem; color: var(--muted-2); font-variant-numeric: tabular-nums; }
.field--check { justify-content: flex-end; padding-bottom: 12px; }
.check { display: flex; align-items: flex-start; gap: 12px; cursor: pointer; font-weight: 500 !important; color: var(--ink-2); line-height: 1.5; }
.check input { flex: none; width: 20px; height: 20px; margin: 2px 0 0; accent-color: var(--brand); cursor: pointer; }
.check small { display: block; color: var(--muted); font-weight: 400; font-size: .86rem; }
.check--boxed { border: 1.5px dashed var(--line-2); border-radius: 12px; padding: 16px 18px; margin-top: 18px; transition: border-color .2s, background .2s; }
.check--boxed:hover { border-color: var(--brand); background: var(--brand-50); }
.segmented { display: inline-flex; background: var(--bg-2); padding: 4px; border-radius: 12px; gap: 4px; }
.segmented__option { position: relative; }
.segmented__option input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.segmented__option span { display: block; padding: 10px 28px; border-radius: 9px; font-weight: 600; color: var(--ink-3); transition: background .2s, color .2s, box-shadow .2s; cursor: pointer; }
.segmented__option input:checked + span { background: #fff; color: var(--brand); box-shadow: var(--shadow-sm); }
.segmented__option input:focus-visible + span { outline: 3px solid rgba(31,91,232,.45); outline-offset: 1px; }
.alert { padding: 14px 18px; border-radius: 12px; font-size: .93rem; border: 1px solid; }
.alert--error { background: var(--red-100); border-color: #FCA5A5; color: #7F1D1D; }
.alert--info { background: var(--brand-50); border-color: var(--brand-100); color: var(--brand-700); display: flex; justify-content: space-between; gap: 16px; align-items: center; flex-wrap: wrap; }
.alert--success { background: var(--green-100); border-color: #86EFAC; color: #14532D; }
.alert ul { margin: 8px 0 0; padding-left: 20px; }
.alert strong { display: block; }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.card--form { padding: 36px; }
.card--form h2 { font-family: var(--font-body); font-weight: 700; font-size: 1.4rem; margin-bottom: 22px; }

/* ---------- Contact page ---------- */
.contact-layout { display: grid; grid-template-columns: .8fr 1.2fr; gap: 40px; align-items: start; }
.contact-aside { display: grid; gap: 14px; }
.contact-card--stack a { color: var(--ink); }
.contact-aside__cta { background: var(--navy); color: #fff; border-radius: var(--radius); padding: 22px; margin-top: 10px; }
.contact-aside__cta p { color: rgba(255,255,255,.75); font-size: .93rem; }

/* ---------- Apply page ---------- */
.page-apply { background: var(--bg); }
.page-apply .site-header { background: rgba(246,247,250,.88); }
.apply { padding: 48px 0 96px; }
.apply__layout { display: grid; grid-template-columns: 320px 1fr; gap: 40px; align-items: start; }
.apply__side { position: sticky; top: calc(var(--header-h) + 24px); }
.apply__side h1 { font-size: 2rem; margin-bottom: 12px; }
.apply__intro { color: var(--muted); font-size: .95rem; margin-bottom: 28px; }
.stepper { list-style: none; margin: 0 0 30px; padding: 0; display: grid; gap: 4px; position: relative; }
.stepper li { display: flex; align-items: center; gap: 14px; padding: 9px 10px; border-radius: 10px; color: var(--muted); font-weight: 500; font-size: .95rem; transition: background .2s, color .2s; }
.stepper__num { flex: none; width: 30px; height: 30px; border-radius: 50%; border: 1.5px solid var(--line-2); display: grid; place-items: center; font-size: .8rem; font-weight: 700; background: #fff; transition: all .25s var(--ease); }
.stepper li.is-active { color: var(--ink); background: #fff; box-shadow: var(--shadow-sm); }
.stepper li.is-active .stepper__num { background: var(--brand); border-color: var(--brand); color: #fff; box-shadow: 0 0 0 4px rgba(31,91,232,.15); }
.stepper li.is-done { color: var(--ink-3); }
.stepper li.is-done .stepper__num { background: var(--green-100); border-color: var(--green-100); color: var(--green); font-size: 0; }
.stepper li.is-done .stepper__num::after { content: ""; width: 5px; height: 9px; border: solid var(--green); border-width: 0 2px 2px 0; transform: rotate(45deg); margin-top: -2px; }
.apply__assurance { display: flex; gap: 12px; align-items: flex-start; background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 14px 16px; font-size: .86rem; color: var(--muted); }
.apply__assurance svg { flex: none; width: 22px; height: 22px; fill: var(--green); }
.apply__assurance p { margin: 0; }
.apply__mobile-progress { display: none; margin-bottom: 20px; }
.apply__mobile-bar { height: 6px; background: var(--bg-2); border-radius: 99px; overflow: hidden; margin-bottom: 10px; }
.apply__mobile-bar span { display: block; height: 100%; width: 16%; background: linear-gradient(90deg, var(--brand), #6D9BFF); border-radius: 99px; transition: width .4s var(--ease); }
.apply__mobile-progress p { margin: 0; font-size: .9rem; color: var(--muted); }
.apply__mobile-progress strong { color: var(--ink); }

.apply-form { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: 40px; gap: 0; position: relative; }
.apply-form.is-submitting { pointer-events: none; opacity: .85; }
.apply__errors, .apply__draft { margin-bottom: 24px; }
.apply-step { display: flex; flex-direction: column; gap: 20px; animation: step-in .4s var(--ease); }
@keyframes step-in { from { opacity: 0; transform: translateX(14px); } }
.apply-step__head { margin-bottom: 6px; padding-bottom: 20px; border-bottom: 1px solid var(--line); }
.apply-step__head h2 { font-size: 1.7rem; margin-bottom: 6px; }
.apply-step__head p { margin: 0; color: var(--muted); }
.subsection { padding-top: 22px; border-top: 1px solid var(--line); display: flex; flex-direction: column; gap: 14px; }
.subsection:first-of-type { border-top: 0; padding-top: 0; }
.subsection h3 { font-size: 1.05rem; }
.apply__nav { display: flex; align-items: center; gap: 14px; margin-top: 34px; padding-top: 24px; border-top: 1px solid var(--line); }
.apply__nav-spacer { flex: 1; }
.apply__saved { font-size: .82rem; color: var(--green); opacity: 0; transition: opacity .3s; display: flex; align-items: center; gap: 6px; }
.apply__saved.is-visible { opacity: 1; }
.apply__saved::before { content: "✓"; }

/* Repeaters */
.repeater { display: flex; flex-direction: column; gap: 16px; transition: opacity .2s; }
.repeater.is-muted { opacity: .4; pointer-events: none; }
.repeater.has-error { padding: 16px; border: 1.5px dashed var(--red-2); border-radius: 12px; }
.repeater:empty + .repeater__actions { margin-top: 0; }
.repeater__item { background: var(--bg); border: 1px solid var(--line); border-radius: 14px; padding: 22px; display: flex; flex-direction: column; gap: 16px; animation: step-in .3s var(--ease); transition: opacity .18s, transform .18s; }
.repeater__item.is-removing { opacity: 0; transform: scale(.98); }
.repeater__head { display: flex; align-items: center; justify-content: space-between; }
.repeater__head h4 { font-size: .8rem; text-transform: uppercase; letter-spacing: .12em; color: var(--muted); }
.repeater__item--inline { flex-direction: row; align-items: flex-end; gap: 16px; }
.repeater__item--inline .form__row { flex: 1; }
.repeater__item--inline .link-btn { padding-bottom: 14px; white-space: nowrap; }
.repeater__actions { display: flex; }

/* Chips / skills */
.chips { display: flex; flex-wrap: wrap; gap: 8px; min-height: 20px; }
.chip { display: inline-flex; align-items: center; gap: 6px; background: var(--brand-100); color: var(--brand-700); padding: 7px 8px 7px 14px; border-radius: 99px; font-size: .88rem; font-weight: 600; animation: chip-in .25s var(--ease); }
.chips--static .chip { padding-right: 14px; }
@keyframes chip-in { from { opacity: 0; transform: scale(.9); } }
.chip__remove { border: 0; background: rgba(31,91,232,.15); color: inherit; width: 20px; height: 20px; border-radius: 50%; cursor: pointer; font-size: 1rem; line-height: 1; display: grid; place-items: center; padding: 0; transition: background .2s; }
.chip__remove:hover { background: var(--brand); color: #fff; }
.chips__empty { color: var(--muted-2); font-size: .88rem; }
.chip-input { display: flex; gap: 10px; }
.chip-input input { flex: 1; }
.chips--suggest button { border: 1px dashed var(--line-2); background: #fff; color: var(--ink-3); padding: 6px 12px; border-radius: 99px; font-size: .84rem; cursor: pointer; transition: all .2s; }
.chips--suggest button:hover { border-color: var(--brand); color: var(--brand); }
.chips--suggest button.is-used { opacity: .35; pointer-events: none; }

/* Upload */
.upload { position: relative; border: 2px dashed var(--line-2); border-radius: 14px; background: var(--bg); transition: border-color .2s, background .2s; }
.upload:hover, .upload.is-drag { border-color: var(--brand); background: var(--brand-50); }
.upload input[type="file"] { position: absolute; inset: 0; width: 100%; height: 100%; opacity: 0; cursor: pointer; }
.upload.has-file input[type="file"] { pointer-events: none; }
.upload__idle { padding: 32px 20px; text-align: center; color: var(--muted); pointer-events: none; }
.upload__idle svg { width: 36px; height: 36px; fill: var(--brand); margin: 0 auto 10px; }
.upload__idle p { margin: 0 0 4px; color: var(--ink-2); }
.upload__idle strong { color: var(--brand); }
.upload__idle small { font-size: .82rem; }
.upload__file { display: flex; align-items: center; gap: 12px; padding: 16px 18px; position: relative; z-index: 1; }
.upload__file-name { font-weight: 600; word-break: break-all; }
.upload__file-size { color: var(--muted); font-size: .85rem; }
.upload__file .link-btn { margin-left: auto; }

/* Review */
.review { display: flex; flex-direction: column; gap: 16px; }
.review__section { border: 1px solid var(--line); border-radius: 14px; overflow: hidden; }
.review__section header { display: flex; align-items: center; justify-content: space-between; padding: 14px 20px; background: var(--bg); border-bottom: 1px solid var(--line); }
.review__section header h3 { font-size: .95rem; }
.review__section > *:not(header) { padding: 0 20px; }
.review__section > *:nth-child(2) { padding-top: 16px; }
.review__section > *:last-child { padding-bottom: 18px; }
.review__section h4 { font-size: .78rem; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); margin: 16px 0 6px; }
.review__dl { margin: 0; display: grid; gap: 10px; padding: 16px 20px 18px !important; }
.review__dl > div { display: grid; grid-template-columns: 160px 1fr; gap: 12px; font-size: .95rem; }
.review__dl dt { color: var(--muted); font-weight: 500; }
.review__dl dd { margin: 0; word-break: break-word; }
.review__para { margin: 6px 0 0; color: var(--ink-2); font-size: .93rem; white-space: normal; }
.review__entry { padding: 12px 0; border-bottom: 1px dashed var(--line); font-size: .95rem; }
.review__entry:last-child { border-bottom: 0; }
.review__empty { color: var(--muted-2); font-style: italic; font-size: .92rem; margin: 4px 0 0; }
.review__list { margin: 4px 0 0; padding-left: 20px; font-size: .95rem; }
.consent { margin-top: 24px; padding: 20px; background: var(--gold-100); border: 1px solid #F1DFAF; border-radius: 14px; }
.consent .check { color: var(--ink); font-size: .93rem; }
.consent.has-error { border-color: var(--red-2); }
.consent .field__error { margin-top: 10px; }

/* ---------- Success ---------- */
.page-success { background: var(--bg); }
.success { padding: 72px 0 110px; }
.success__inner { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: 56px 48px; text-align: center; }
.success__icon { width: 92px; height: 92px; margin: 0 auto 24px; }
.success__ring { fill: var(--green-100); stroke: var(--green); stroke-width: 2; }
.success__check { fill: none; stroke: var(--green); stroke-width: 4.5; stroke-linecap: round; stroke-linejoin: round; stroke-dasharray: 40; stroke-dashoffset: 40; animation: draw .7s .3s var(--ease) forwards; }
@keyframes draw { to { stroke-dashoffset: 0; } }
.success h1 { margin-bottom: 14px; }
.success__lead { color: var(--muted); font-size: 1.08rem; max-width: 560px; margin: 0 auto 30px; }
.success__ref { display: inline-flex; flex-direction: column; gap: 4px; background: var(--navy); color: #fff; padding: 20px 36px; border-radius: 16px; margin-bottom: 36px; }
.success__ref span { font-size: .74rem; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.6); }
.success__ref strong { font-family: ui-monospace, SFMono-Regular, Menlo, monospace; font-size: 1.6rem; letter-spacing: .05em; color: var(--gold); }
.success__ref small { color: rgba(255,255,255,.6); font-size: .82rem; }
.success__next { text-align: left; background: var(--bg); border-radius: 14px; padding: 24px 28px; margin-bottom: 30px; }
.success__next h2 { font-family: var(--font-body); font-weight: 700; font-size: 1.05rem; margin-bottom: 12px; }
.success__next ol { margin: 0; padding-left: 20px; display: grid; gap: 8px; color: var(--ink-2); font-size: .95rem; }
.success__actions { display: flex; justify-content: center; gap: 12px; flex-wrap: wrap; margin-bottom: 20px; }
.success__note { color: var(--muted-2); font-size: .85rem; margin: 0; }

/* ---------- Error page ---------- */
.error-page { padding: 100px 0 120px; text-align: center; }
.error-page__code { font-family: var(--font-display); font-size: 6rem; line-height: 1; color: var(--brand-100); margin: 0 0 8px; font-weight: 600; }
.error-page__title { margin-bottom: 12px; }
.error-page__text { color: var(--muted); max-width: 480px; margin: 0 auto 28px; font-size: 1.05rem; }
.error-page__actions { display: flex; justify-content: center; gap: 12px; flex-wrap: wrap; }

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .hero__inner { grid-template-columns: 1fr; padding: 64px 24px 72px; }
  .hero__visual { min-height: 400px; max-width: 520px; margin: 0 auto; width: 100%; }
  .steps, .benefits { grid-template-columns: repeat(2, 1fr); }
  .trust__inner { grid-template-columns: 1fr; gap: 40px; }
  .site-footer__grid { grid-template-columns: 1fr 1fr; }
  .apply__layout { grid-template-columns: 1fr; gap: 20px; }
  .apply__side { position: static; }
  .apply__side h1 { font-size: 1.7rem; }
  .stepper, .apply__assurance, .apply__intro { display: none; }
  .apply__mobile-progress { display: block; }
  .contact-layout { grid-template-columns: 1fr; }
}
@media (max-width: 820px) {
  .site-nav { display: none; }
  .nav-toggle { display: flex; }
  .site-header__actions .btn { display: none; }
  .section { padding: 72px 0; }
  .hero__visual { min-height: 360px; }
  .app-card--main { left: 0; }
  .contact-strip__inner { grid-template-columns: 1fr; }
  .form__row, .form__row--3 { grid-template-columns: 1fr; }
  .apply-form { padding: 26px 20px; }
  .repeater__item { padding: 18px 16px; }
  .repeater__item--inline { flex-direction: column; align-items: stretch; }
  .repeater__item--inline .link-btn { padding: 0; align-self: flex-end; }
  .review__dl > div { grid-template-columns: 1fr; gap: 2px; }
  .apply__nav { flex-wrap: wrap; }
  .apply__nav .btn { flex: 1 1 auto; }
  .apply__saved { display: none; }
  .success__inner { padding: 40px 22px; }
  .card--form { padding: 26px 20px; }
}
@media (max-width: 560px) {
  :root { --header-h: 66px; }
  .container { padding: 0 18px; }
  .steps, .benefits { grid-template-columns: 1fr; }
  .trust__stats { grid-template-columns: 1fr 1fr; gap: 12px; }
  .stat { padding: 22px 18px; }
  .stat strong { font-size: 2rem; }
  .site-footer__grid { grid-template-columns: 1fr; gap: 30px; }
  .hero__actions .btn { width: 100%; }
  .hero__visual { min-height: 400px; }
  .app-card--main { width: 100%; }
  .app-card--float { top: auto; bottom: 90px; right: 0; }
  .app-card--stat { display: none; }
  .error-page__code { font-size: 4.5rem; }
  .cta-band__inner .btn { width: 100%; }
  .segmented { width: 100%; }
  .segmented__option { flex: 1; }
  .segmented__option span { text-align: center; padding: 10px 12px; }
}