:root{
    --navy:#0A2342; --royal:#1D4ED8; --royal-dark:#1741B5; --teal:#14B8A6;
    --bg:#F8FAFC; --surface:#FFFFFF; --text:#111827; --text-muted:#4B5563; --border:#E5E7EB;
    --shadow-sm:0 1px 2px rgba(10,35,66,0.06); --shadow-md:0 8px 24px rgba(10,35,66,0.08); --shadow-lg:0 20px 40px rgba(10,35,66,0.14);
    --radius:16px;
  }
  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{margin:0;background:var(--bg);color:var(--text);font-family:'Inter',sans-serif;font-size:17px;line-height:1.6;}
  h1,h2,h3,h4{font-family:'Poppins',sans-serif;margin:0;color:var(--navy);letter-spacing:-0.01em;}
  a{color:inherit;text-decoration:none;}
  .container{max-width:1120px;margin:0 auto;padding:0 24px;}
  @media(min-width:1024px){.container{padding:0 64px;}}
  .wide{max-width:1280px;}
  section{padding:56px 0;}
  @media(min-width:1024px){section{padding:88px 0;}}

  header{height:80px;display:flex;align-items:center;background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:50;max-width:1280px;margin:0 auto;}
  .nav-wrap{display:flex;align-items:center;justify-content:space-between;width:100%;padding:0 24px;}
  @media(min-width:1024px){.nav-wrap{padding:0 64px;}}
  .logo{display:flex;align-items:center;gap:10px;font-family:'Poppins',sans-serif;font-weight:700;font-size:18px;color:var(--navy);}
  .logo-mark{width:32px;height:32px;border-radius:8px;background:linear-gradient(135deg,var(--navy),var(--royal));display:flex;align-items:center;justify-content:center;flex:none;}
  .logo-mark svg{width:16px;height:16px;}
  nav.primary-nav{display:none;gap:28px;}
  nav.primary-nav a{font-size:14.5px;font-weight:500;color:var(--text-muted);}
  nav.primary-nav a:hover{color:var(--navy);}
  nav.primary-nav a.active{color:var(--royal);font-weight:600;}
  @media(min-width:1024px){nav.primary-nav{display:flex;}}
  .btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:600;font-size:14.5px;padding:12px 22px;border-radius:10px;cursor:pointer;border:none;transition:.2s;}
  .btn-primary{background:var(--royal);color:#fff;}
  .btn-primary:hover{background:var(--royal-dark);}
  .btn-ghost{background:none;color:var(--navy);}
  .btn-teal{background:var(--teal);color:#053b34;}
  .btn-teal:hover{background:#0d9488;}

  .eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(20,184,166,0.12);color:#0F766E;font-size:13px;font-weight:600;padding:6px 14px;border-radius:999px;margin-bottom:20px;}
  .eyebrow::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--teal);}
  .eyebrow.light{background:rgba(255,255,255,.12);color:#fff;}

  .page-hero{background:linear-gradient(135deg,var(--navy) 0%, #123a70 60%, var(--royal) 100%);color:#fff;padding:64px 0 56px;}
  .page-hero .container{max-width:1280px;}
  .breadcrumb{font-size:13px;color:rgba(255,255,255,.6);margin-bottom:18px;}
  .breadcrumb a:hover{color:#fff;}
  .page-hero h1{color:#fff;font-size:34px;max-width:640px;}
  @media(min-width:1024px){.page-hero h1{font-size:44px;}}
  .page-hero p{color:rgba(255,255,255,.78);margin-top:16px;max-width:560px;font-size:18px;}

  .section-head{max-width:640px;margin:0 auto 40px;text-align:center;}
  .section-head h2{font-size:28px;}
  @media(min-width:1024px){.section-head h2{font-size:36px;}}
  .section-head p{color:var(--text-muted);margin-top:12px;font-size:16.5px;}

  /* Application process (persistent visual) */
  .process-wrap{max-width:1280px;margin:0 auto;padding:56px 24px;}
  @media(min-width:1024px){.process-wrap{padding:88px 64px;}}
  .process-steps{display:grid;grid-template-columns:1fr;gap:20px;position:relative;}
  @media(min-width:900px){.process-steps{grid-template-columns:repeat(4,1fr);}}
  .process-steps::before{content:"";display:none;}
  @media(min-width:900px){
    .process-steps::before{
      content:"";display:block;position:absolute;top:26px;left:12.5%;right:12.5%;height:2px;
      background:repeating-linear-gradient(90deg, var(--border) 0 8px, transparent 8px 14px);
      z-index:0;
    }
  }
  .process-step{position:relative;z-index:1;background:#fff;border:1px solid var(--border);border-radius:14px;padding:24px 20px;text-align:center;box-shadow:var(--shadow-sm);}
  .process-num{width:36px;height:36px;border-radius:50%;background:var(--royal);color:#fff;font-family:'Poppins',sans-serif;font-weight:700;font-size:15px;display:flex;align-items:center;justify-content:center;margin:0 auto 14px;}
  .process-step h4{font-size:15.5px;margin-bottom:8px;}
  .process-step p{font-size:13.5px;color:var(--text-muted);margin:0;}

  /* Accordion */
  .accordion{max-width:840px;margin:0 auto;display:flex;flex-direction:column;gap:14px;}
  .acc-item{background:#fff;border:1px solid var(--border);border-radius:14px;overflow:hidden;}
  .acc-trigger{
    width:100%;display:flex;align-items:center;justify-content:space-between;gap:16px;
    background:none;border:none;text-align:left;padding:22px 26px;cursor:pointer;
    font-family:'Poppins',sans-serif;font-size:16.5px;font-weight:600;color:var(--navy);
  }
  .acc-trigger .num{color:var(--royal);font-size:13px;font-weight:700;margin-right:10px;}
  .acc-chevron{transition:transform .3s cubic-bezier(.16,1,.3,1);flex:none;color:var(--text-muted);}
  .acc-item.open .acc-chevron{transform:rotate(180deg);}
  .acc-panel{max-height:0;overflow:hidden;transition:max-height .35s cubic-bezier(.16,1,.3,1);}
  .acc-item.open .acc-panel{max-height:600px;}
  .acc-body{padding:0 26px 26px;color:var(--text-muted);font-size:15px;}
  .acc-body ul{margin:10px 0 0;padding-left:20px;}
  .acc-body li{margin-bottom:8px;}
  .acc-body strong{color:var(--navy);}

  .final-cta{background:linear-gradient(135deg,var(--navy),var(--royal));border-radius:28px;text-align:center;padding:64px 32px;color:#fff;max-width:1280px;margin:0 auto;}
  .final-cta h2{color:#fff;font-size:30px;}
  @media(min-width:1024px){.final-cta h2{font-size:38px;}}
  .final-cta p{color:rgba(255,255,255,.78);max-width:500px;margin:14px auto 28px;}

  footer{background:var(--navy);color:rgba(255,255,255,.7);padding:56px 0 28px;font-size:14px;text-align:center;}
  footer a:hover{color:#fff;}

  .reveal{opacity:0;transform:translateY(16px);transition:opacity .6s cubic-bezier(.16,1,.3,1), transform .6s cubic-bezier(.16,1,.3,1);}
  .reveal.in{opacity:1;transform:translateY(0);}
  @media (prefers-reduced-motion: reduce){*{transition-duration:.001ms !important;} .reveal{opacity:1;transform:none;} .acc-panel{transition:none;}}
  :focus-visible{outline:3px solid rgba(29,78,216,.45);outline-offset:2px;}