:root {
  --bg: #060817;
  --bg-deep: #03050e;
  --surface: rgba(16, 20, 45, 0.72);
  --surface-strong: #10142d;
  --surface-soft: #0c1026;
  --surface-light: #f6f7fb;
  --text: #f7f8ff;
  --muted: #aeb5ca;
  --muted-strong: #d4d8e7;
  --ink: #101225;
  --ink-muted: #60677d;
  --line: rgba(255, 255, 255, 0.105);
  --line-strong: rgba(255, 255, 255, 0.18);
  --primary: #5b46f6;
  --primary-2: #247cf3;
  --cyan: #08a7f3;
  --success: #4ee5a5;
  --warning: #ffbb5c;
  --danger: #ff7183;
  --radius-sm: 12px;
  --radius: 20px;
  --radius-lg: 30px;
  --shadow: 0 30px 80px rgba(0, 0, 0, 0.34);
  --container: 1180px;
  --header-h: 78px;
  --transition: 220ms ease;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 26px);
}

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

body.menu-open {
  overflow: hidden;
}

button,
input,
select,
textarea {
  font: inherit;
}

button,
a {
  -webkit-tap-highlight-color: transparent;
}

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

img,
svg {
  display: block;
}

svg {
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.8;
}

p,
h1,
h2,
h3,
h4 {
  margin-top: 0;
}

p:last-child {
  margin-bottom: 0;
}

.container {
  width: min(calc(100% - 40px), var(--container));
  margin-inline: auto;
}

.section {
  position: relative;
  padding: 118px 0;
}

.section-pad {
  position: relative;
  padding: 112px 0 102px;
}

.skip-link {
  position: fixed;
  z-index: 1000;
  top: 10px;
  left: 10px;
  transform: translateY(-150%);
  padding: 10px 16px;
  border-radius: 10px;
  background: #fff;
  color: #11142a;
  font-weight: 800;
  transition: transform var(--transition);
}

.skip-link:focus {
  transform: translateY(0);
}

.site-noise {
  position: fixed;
  z-index: -1;
  inset: 0;
  opacity: 0.025;
  pointer-events: none;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 180 180' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.8'/%3E%3C/svg%3E");
}

.ambient {
  position: fixed;
  z-index: -2;
  width: 620px;
  height: 620px;
  border-radius: 50%;
  filter: blur(120px);
  pointer-events: none;
  opacity: 0.14;
}

.ambient-one {
  top: -260px;
  left: -180px;
  background: #5335f7;
}

.ambient-two {
  right: -260px;
  top: 32%;
  background: #078fea;
}

.site-header {
  position: sticky;
  z-index: 100;
  top: 0;
  min-height: var(--header-h);
  border-bottom: 1px solid transparent;
  background: rgba(6, 8, 23, 0.68);
  backdrop-filter: blur(20px);
  transition: border-color var(--transition), background var(--transition), box-shadow var(--transition);
}

.site-header.scrolled {
  border-color: var(--line);
  background: rgba(6, 8, 23, 0.88);
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.2);
}

.header-inner {
  min-height: var(--header-h);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

.brand-mark {
  width: 50px;
  height: 30px;
  object-fit: contain;
}

.brand-word {
  color: #fff;
  font-size: 19px;
  font-weight: 800;
  letter-spacing: -0.045em;
}

.desktop-nav {
  display: flex;
  align-items: center;
  gap: 30px;
  margin-left: auto;
}

.desktop-nav a,
.portal-link {
  position: relative;
  color: #c7ccdc;
  font-size: 14px;
  font-weight: 650;
  transition: color var(--transition);
}

.desktop-nav a::after,
.portal-link::after {
  content: "";
  position: absolute;
  right: 0;
  bottom: -9px;
  left: 0;
  height: 1px;
  transform: scaleX(0);
  transform-origin: right;
  background: linear-gradient(90deg, var(--primary), var(--cyan));
  transition: transform var(--transition);
}

.desktop-nav a:hover,
.desktop-nav a:focus-visible,
.portal-link:hover,
.portal-link:focus-visible {
  color: #fff;
}

.desktop-nav a:hover::after,
.desktop-nav a:focus-visible::after,
.portal-link:hover::after,
.portal-link:focus-visible::after {
  transform: scaleX(1);
  transform-origin: left;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 18px;
}

.button {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 48px;
  padding: 0 22px;
  border: 1px solid transparent;
  border-radius: 12px;
  cursor: pointer;
  font-weight: 800;
  letter-spacing: -0.015em;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition), background var(--transition), color var(--transition);
}

.button svg {
  width: 18px;
  height: 18px;
  transition: transform var(--transition);
}

.button:hover svg {
  transform: translateX(3px);
}

.button:focus-visible,
button:focus-visible,
a:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
summary:focus-visible {
  outline: 3px solid rgba(68, 159, 255, 0.48);
  outline-offset: 3px;
}

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

.button-primary {
  color: #fff;
  background: linear-gradient(135deg, #6549fa 0%, #266cf4 55%, #0aa9ef 100%);
  box-shadow: 0 16px 36px rgba(61, 94, 245, 0.28), inset 0 1px rgba(255, 255, 255, 0.24);
}

.button-primary:hover {
  box-shadow: 0 20px 48px rgba(61, 94, 245, 0.38), inset 0 1px rgba(255, 255, 255, 0.28);
}

.button-ghost {
  border-color: var(--line-strong);
  background: rgba(255, 255, 255, 0.035);
  color: #e6e9f4;
}

.button-ghost:hover {
  border-color: rgba(255, 255, 255, 0.28);
  background: rgba(255, 255, 255, 0.07);
}

.button-small {
  min-height: 42px;
  padding: 0 17px;
  font-size: 13px;
  border-radius: 10px;
}

.button-large {
  min-height: 56px;
  padding: 0 27px;
  font-size: 15px;
  border-radius: 14px;
}

.menu-toggle {
  display: none;
  width: 42px;
  height: 42px;
  padding: 10px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.04);
  color: #fff;
  cursor: pointer;
}

.menu-toggle span {
  display: block;
  width: 100%;
  height: 2px;
  margin: 4px 0;
  border-radius: 10px;
  background: currentColor;
  transition: transform var(--transition), opacity var(--transition);
}

.menu-toggle[aria-expanded="true"] span:nth-child(1) {
  transform: translateY(6px) rotate(45deg);
}

.menu-toggle[aria-expanded="true"] span:nth-child(2) {
  opacity: 0;
}

.menu-toggle[aria-expanded="true"] span:nth-child(3) {
  transform: translateY(-6px) rotate(-45deg);
}

.mobile-menu {
  border-top: 1px solid var(--line);
  background: rgba(6, 8, 23, 0.97);
}

.mobile-nav {
  display: grid;
  gap: 4px;
  padding-block: 16px 24px;
}

.mobile-nav > a:not(.button) {
  padding: 13px 4px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.065);
  color: #d7dbea;
  font-weight: 700;
}

.hero {
  overflow: hidden;
  min-height: 780px;
  display: flex;
  align-items: center;
}

.hero::before {
  content: "";
  position: absolute;
  z-index: -1;
  top: -180px;
  left: 50%;
  width: 980px;
  height: 980px;
  transform: translateX(-5%);
  border-radius: 50%;
  background: radial-gradient(circle, rgba(76, 74, 245, 0.15) 0%, rgba(10, 156, 240, 0.065) 36%, transparent 68%);
  filter: blur(10px);
}

.hero::after {
  content: "";
  position: absolute;
  z-index: -2;
  inset: 0;
  opacity: 0.2;
  background-image: linear-gradient(rgba(255, 255, 255, 0.045) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, 0.045) 1px, transparent 1px);
  background-size: 64px 64px;
  mask-image: linear-gradient(to bottom, #000, transparent 82%);
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) minmax(470px, 0.98fr);
  align-items: center;
  gap: 66px;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  margin-bottom: 20px;
  color: #7eb2ff;
  font-size: 12px;
  font-weight: 850;
  letter-spacing: 0.17em;
  line-height: 1.3;
  text-transform: uppercase;
}

.eyebrow.light {
  color: #bdd5ff;
}

.eyebrow-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #4dd5ff;
  box-shadow: 0 0 0 6px rgba(77, 213, 255, 0.1), 0 0 20px rgba(77, 213, 255, 0.65);
}

.hero h1 {
  max-width: 700px;
  margin-bottom: 24px;
  color: #fff;
  font-size: clamp(46px, 5vw, 73px);
  font-weight: 850;
  letter-spacing: -0.061em;
  line-height: 0.99;
}

.gradient-text {
  color: transparent;
  background: linear-gradient(100deg, #c0b3ff 0%, #7f93ff 34%, #54c7ff 78%, #8ae8ff 100%);
  -webkit-background-clip: text;
  background-clip: text;
}

.hero-lede {
  max-width: 650px;
  margin-bottom: 32px;
  color: #bcc2d5;
  font-size: 19px;
  line-height: 1.62;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 31px;
}

.hero-proof {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 19px;
  color: #aeb5c8;
  font-size: 12.5px;
  font-weight: 650;
}

.hero-proof span {
  display: inline-flex;
  align-items: center;
  gap: 7px;
}

.hero-proof svg {
  width: 16px;
  height: 16px;
  padding: 3px;
  border-radius: 50%;
  color: #6ce2b3;
  background: rgba(78, 229, 165, 0.1);
  stroke-width: 2.6;
}

.hero-visual {
  position: relative;
  min-height: 600px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.visual-halo {
  position: absolute;
  width: 470px;
  height: 470px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(55, 107, 250, 0.25), rgba(66, 57, 218, 0.07) 48%, transparent 70%);
  filter: blur(12px);
}

.dashboard-card {
  position: relative;
  z-index: 2;
  width: min(100%, 520px);
  padding: 22px;
  border: 1px solid rgba(255, 255, 255, 0.13);
  border-radius: 24px;
  background: linear-gradient(150deg, rgba(20, 25, 55, 0.97), rgba(9, 13, 34, 0.96));
  box-shadow: 0 40px 100px rgba(0, 0, 0, 0.48), 0 0 80px rgba(55, 81, 225, 0.11), inset 0 1px rgba(255, 255, 255, 0.08);
  transform: perspective(1000px) rotateY(-3deg) rotateX(1deg);
}

.dashboard-card::before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  pointer-events: none;
  background: linear-gradient(130deg, rgba(255, 255, 255, 0.07), transparent 30%);
}

.dashboard-header {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 18px;
}

.dashboard-header > div {
  display: grid;
  gap: 3px;
}

.dashboard-kicker {
  color: #7f8aa9;
  font-size: 10px;
  font-weight: 750;
  letter-spacing: 0.13em;
  text-transform: uppercase;
}

.dashboard-header strong {
  color: #f5f6ff;
  font-size: 16px;
  letter-spacing: -0.02em;
}

.live-pill {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 5px 10px;
  border: 1px solid rgba(83, 234, 171, 0.18);
  border-radius: 99px;
  color: #75e9b8;
  background: rgba(54, 205, 141, 0.08);
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
}

.live-pill i,
.status-dot i {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #55e7aa;
  box-shadow: 0 0 0 4px rgba(85, 231, 170, 0.12), 0 0 12px rgba(85, 231, 170, 0.5);
  animation: pulse 2.2s infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.65; transform: scale(0.86); }
}

.metric-grid {
  position: relative;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin-bottom: 12px;
}

.metric-card {
  display: grid;
  gap: 2px;
  min-width: 0;
  padding: 13px 12px;
  border: 1px solid rgba(255, 255, 255, 0.075);
  border-radius: 13px;
  background: rgba(255, 255, 255, 0.025);
}

.metric-card span {
  overflow: hidden;
  color: #818aa4;
  font-size: 9px;
  font-weight: 700;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.metric-card strong {
  color: #fff;
  font-size: 26px;
  letter-spacing: -0.04em;
  line-height: 1.15;
}

.metric-card small {
  overflow: hidden;
  color: #626c89;
  font-size: 8px;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.flow-card {
  position: relative;
  padding: 15px;
  border: 1px solid rgba(255, 255, 255, 0.075);
  border-radius: 15px;
  background: rgba(4, 7, 22, 0.42);
}

.flow-title {
  display: flex;
  justify-content: space-between;
  margin-bottom: 14px;
  color: #afb6cb;
  font-size: 9px;
  font-weight: 760;
  letter-spacing: 0.07em;
  text-transform: uppercase;
}

.flow-title small {
  color: #56617c;
  font-size: 8px;
}

.flow-step {
  position: relative;
  display: grid;
  grid-template-columns: 34px 1fr auto;
  align-items: center;
  gap: 10px;
}

.flow-icon {
  width: 34px;
  height: 34px;
  display: grid;
  place-items: center;
  border: 1px solid rgba(255, 255, 255, 0.09);
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.035);
  color: #8da1cc;
}

.flow-icon svg {
  width: 16px;
  height: 16px;
}

.flow-step.complete .flow-icon {
  color: #70dcb2;
  border-color: rgba(80, 215, 160, 0.15);
  background: rgba(80, 215, 160, 0.07);
}

.flow-step.current .flow-icon {
  color: #8bbfff;
  border-color: rgba(77, 142, 250, 0.22);
  background: rgba(77, 142, 250, 0.1);
  box-shadow: 0 0 25px rgba(77, 142, 250, 0.12);
}

.flow-step > div {
  display: grid;
  gap: 1px;
}

.flow-step strong {
  color: #dfe3ef;
  font-size: 10px;
  line-height: 1.3;
}

.flow-step small {
  color: #6f7893;
  font-size: 8px;
}

.flow-status {
  color: #59647f;
  font-size: 8px;
  font-variant-numeric: tabular-nums;
}

.flow-status.live-time {
  color: #74b5ff;
}

.flow-connector {
  width: 1px;
  height: 13px;
  margin: 3px 0 3px 17px;
  background: rgba(255, 255, 255, 0.12);
}

.flow-connector.active {
  background: linear-gradient(#5d75e7, #45c2dd);
  box-shadow: 0 0 10px rgba(67, 168, 236, 0.25);
}

.capacity-row {
  display: grid;
  grid-template-columns: auto 1fr;
  align-items: center;
  gap: 5px 14px;
  padding: 14px 4px 2px;
}

.capacity-row > div:first-child {
  display: flex;
  align-items: baseline;
  gap: 8px;
}

.capacity-row span,
.capacity-row small {
  color: #757f9a;
  font-size: 8px;
}

.capacity-row strong {
  color: #dbe1f0;
  font-size: 11px;
}

.capacity-track {
  height: 5px;
  overflow: hidden;
  border-radius: 99px;
  background: rgba(255, 255, 255, 0.07);
}

.capacity-track span {
  display: block;
  width: 68%;
  height: 100%;
  border-radius: inherit;
  background: linear-gradient(90deg, #6550f8, #16a8ef);
  box-shadow: 0 0 15px rgba(55, 131, 245, 0.5);
}

.capacity-row small {
  grid-column: 2;
}

.floating-card {
  position: absolute;
  z-index: 4;
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 11px 13px;
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 13px;
  background: rgba(13, 17, 40, 0.9);
  box-shadow: 0 22px 55px rgba(0, 0, 0, 0.3);
  backdrop-filter: blur(15px);
}

.floating-card > div {
  display: grid;
  gap: 1px;
}

.floating-card small {
  color: #707a97;
  font-size: 8px;
  font-weight: 750;
  letter-spacing: 0.07em;
  text-transform: uppercase;
}

.floating-card strong {
  color: #dfe3f0;
  font-size: 10px;
}

.float-icon {
  width: 30px;
  height: 30px;
  display: grid;
  place-items: center;
  border-radius: 9px;
  color: #88b8ff;
  background: rgba(78, 126, 244, 0.12);
}

.float-icon svg {
  width: 15px;
  height: 15px;
}

.floating-one {
  top: 88px;
  right: -28px;
  animation: float 5.5s ease-in-out infinite;
}

.floating-two {
  bottom: 95px;
  left: -34px;
  animation: float 5.5s ease-in-out infinite reverse;
}

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

.trust-strip {
  position: relative;
  border-block: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.018);
}

.trust-inner {
  min-height: 82px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}

.trust-label {
  color: #707992;
  font-size: 10px;
  font-weight: 850;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  white-space: nowrap;
}

.market-list {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 24px;
  color: #c1c6d7;
  font-size: 13px;
  font-weight: 700;
}

.market-list i {
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: #4e5871;
}

.section-problem {
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.008), rgba(255, 255, 255, 0.028) 50%, transparent);
}

.section-heading {
  margin-bottom: 56px;
}

.section-heading.centered {
  max-width: 790px;
  margin-inline: auto;
  text-align: center;
}

.section-heading.split {
  display: grid;
  grid-template-columns: 1.15fr 0.75fr;
  align-items: end;
  gap: 70px;
}

.section-heading h2,
.process-copy h2,
.control-copy h2,
.calculator-copy h2,
.faq-copy h2,
.apply-copy h2 {
  margin-bottom: 20px;
  color: #f7f8ff;
  font-size: clamp(36px, 4vw, 54px);
  font-weight: 820;
  letter-spacing: -0.052em;
  line-height: 1.04;
}

.section-heading p,
.process-copy > p,
.control-copy > p,
.calculator-copy > p,
.faq-copy > p {
  color: var(--muted);
  font-size: 17px;
  line-height: 1.7;
}

.section-heading.centered p {
  max-width: 680px;
  margin-inline: auto;
}

.problem-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-bottom: 24px;
}

.problem-card {
  position: relative;
  min-height: 295px;
  padding: 27px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.025);
  transition: transform var(--transition), border-color var(--transition), background var(--transition);
}

.problem-card:hover {
  transform: translateY(-5px);
  border-color: rgba(255, 255, 255, 0.18);
  background: rgba(255, 255, 255, 0.042);
}

.card-number {
  position: absolute;
  top: 22px;
  right: 23px;
  color: rgba(255, 255, 255, 0.2);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.12em;
}

.icon-box {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  margin-bottom: 48px;
  border: 1px solid var(--line);
  border-radius: 14px;
}

.icon-box svg {
  width: 23px;
  height: 23px;
}

.icon-box.red {
  color: #ff8b9a;
  border-color: rgba(255, 113, 131, 0.16);
  background: rgba(255, 113, 131, 0.075);
}

.icon-box.amber {
  color: #ffcb7d;
  border-color: rgba(255, 187, 92, 0.16);
  background: rgba(255, 187, 92, 0.075);
}

.icon-box.violet {
  color: #a994ff;
  border-color: rgba(133, 103, 255, 0.18);
  background: rgba(133, 103, 255, 0.085);
}

.problem-card h3,
.format-card h3,
.process-step h3,
.program-content h3,
.why-card h3 {
  margin-bottom: 10px;
  color: #f1f3fb;
  font-size: 21px;
  font-weight: 780;
  letter-spacing: -0.03em;
  line-height: 1.2;
}

.problem-card p,
.format-card > p,
.process-step p,
.program-content p,
.why-card p {
  color: #969fb7;
  font-size: 14px;
  line-height: 1.68;
}

.model-shift {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  align-items: center;
  gap: 55px;
  padding: 46px;
  border: 1px solid rgba(105, 113, 255, 0.24);
  border-radius: 24px;
  background: linear-gradient(120deg, rgba(72, 55, 222, 0.16), rgba(17, 114, 204, 0.09));
  box-shadow: inset 0 1px rgba(255, 255, 255, 0.05);
}

.model-shift h3 {
  margin-bottom: 12px;
  font-size: clamp(28px, 3vw, 39px);
  font-weight: 810;
  letter-spacing: -0.045em;
  line-height: 1.08;
}

.model-shift p {
  color: #afb7cc;
  font-size: 15px;
}

.model-pillars {
  display: grid;
  gap: 10px;
}

.model-pillars div {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 14px 17px;
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 12px;
  background: rgba(5, 8, 25, 0.34);
}

.model-pillars strong {
  color: #fff;
  font-size: 13px;
}

.model-pillars span {
  color: #8f99b4;
  font-size: 12px;
}

.section-formats {
  background: #f6f7fb;
  color: var(--ink);
}

.section-formats .eyebrow,
.section-programs .eyebrow {
  color: #4e5ecf;
}

.section-formats .section-heading h2,
.section-programs .section-heading h2 {
  color: #12152b;
}

.section-formats .section-heading p,
.section-programs .section-heading p {
  color: #616a81;
}

.format-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.format-card {
  position: relative;
  display: flex;
  flex-direction: column;
  min-height: 510px;
  padding: 30px;
  overflow: hidden;
  border: 1px solid #e0e3ed;
  border-radius: 22px;
  background: #fff;
  box-shadow: 0 16px 46px rgba(34, 42, 70, 0.055);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}

.format-card:hover {
  transform: translateY(-6px);
  border-color: #ccd2e5;
  box-shadow: 0 24px 65px rgba(34, 42, 70, 0.09);
}

.format-card.featured {
  color: #fff;
  border-color: rgba(255, 255, 255, 0.14);
  background: linear-gradient(145deg, #151932, #0b1026 68%);
  box-shadow: 0 24px 70px rgba(24, 35, 91, 0.22);
}

.format-card.featured::after {
  content: "";
  position: absolute;
  right: -120px;
  bottom: -130px;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(45, 137, 246, 0.3), transparent 67%);
}

.format-top {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 58px;
}

.format-label {
  padding: 6px 10px;
  border: 1px solid #e3e7f0;
  border-radius: 99px;
  color: #677088;
  background: #f8f9fc;
  font-size: 9px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.format-card.featured .format-label {
  color: #9ed3ff;
  border-color: rgba(88, 164, 255, 0.18);
  background: rgba(76, 148, 244, 0.08);
}

.format-icon {
  width: 47px;
  height: 47px;
  display: grid;
  place-items: center;
  border-radius: 14px;
  color: #5060d9;
  background: #f1f3ff;
}

.format-icon svg {
  width: 23px;
  height: 23px;
}

.format-card.featured .format-icon {
  color: #88c4ff;
  background: rgba(85, 145, 244, 0.11);
}

.format-card h3 {
  position: relative;
  z-index: 1;
  color: #15182e;
  font-size: 27px;
}

.format-card.featured h3 {
  color: #fff;
}

.format-card > p {
  position: relative;
  z-index: 1;
  min-height: 76px;
  margin-bottom: 25px;
  color: #667087;
  font-size: 14.5px;
}

.format-card.featured > p {
  color: #9ea8c0;
}

.format-card ul {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 12px;
  padding: 0;
  margin: 0 0 30px;
  list-style: none;
}

.format-card li {
  position: relative;
  padding-left: 23px;
  color: #424a63;
  font-size: 13px;
  font-weight: 650;
}

.format-card li::before {
  content: "";
  position: absolute;
  top: 7px;
  left: 2px;
  width: 7px;
  height: 4px;
  transform: rotate(-45deg);
  border-bottom: 2px solid #506ce4;
  border-left: 2px solid #506ce4;
}

.format-card.featured li {
  color: #d1d6e5;
}

.format-card.featured li::before {
  border-color: #66d0fb;
}

.format-footer {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 2px;
  padding-top: 17px;
  margin-top: auto;
  border-top: 1px solid #e8eaf0;
}

.format-footer span {
  color: #9ba2b3;
  font-size: 9px;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.format-footer strong {
  color: #272c43;
  font-size: 12px;
}

.format-card.featured .format-footer {
  border-color: rgba(255, 255, 255, 0.09);
}

.format-card.featured .format-footer strong {
  color: #dfe4f2;
}

.section-process {
  overflow: hidden;
}

.section-process::before {
  content: "";
  position: absolute;
  top: 0;
  right: -350px;
  width: 760px;
  height: 760px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(45, 121, 232, 0.12), transparent 68%);
}

.process-layout {
  display: grid;
  grid-template-columns: 0.78fr 1.22fr;
  gap: 105px;
  align-items: start;
}

.process-copy {
  position: sticky;
  top: calc(var(--header-h) + 60px);
}

.process-copy > p {
  margin-bottom: 29px;
}

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  color: #83bcff;
  font-size: 14px;
  font-weight: 800;
}

.text-link svg {
  width: 17px;
  height: 17px;
  transition: transform var(--transition);
}

.text-link:hover svg {
  transform: translateX(4px);
}

.process-steps {
  position: relative;
  display: grid;
  gap: 0;
  padding: 0;
  margin: 0;
  list-style: none;
}

.process-steps::before {
  content: "";
  position: absolute;
  top: 44px;
  bottom: 44px;
  left: 30px;
  width: 1px;
  background: linear-gradient(transparent, rgba(99, 129, 255, 0.65) 12%, rgba(41, 168, 236, 0.65) 88%, transparent);
}

.process-step {
  position: relative;
  display: grid;
  grid-template-columns: 62px 1fr;
  gap: 24px;
  min-height: 160px;
  padding: 24px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.process-step:last-child {
  border-bottom: 0;
}

.step-number {
  position: relative;
  z-index: 2;
  width: 62px;
  height: 62px;
  display: grid;
  place-items: center;
  border: 1px solid rgba(94, 135, 255, 0.25);
  border-radius: 18px;
  color: #8ab6ff;
  background: #0b1028;
  box-shadow: 0 0 0 7px var(--bg);
  font-size: 11px;
  font-weight: 850;
  letter-spacing: 0.09em;
}

.process-step > div {
  padding-top: 7px;
}

.process-step h3 {
  font-size: 23px;
}

.process-step p {
  max-width: 560px;
  font-size: 15px;
}

.section-programs {
  background: #f6f7fb;
  color: var(--ink);
}

.program-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}

.program-card {
  position: relative;
  display: grid;
  grid-template-columns: 170px 1fr;
  min-height: 305px;
  overflow: hidden;
  border: 1px solid #e0e4ee;
  border-radius: 24px;
  background: #fff;
  box-shadow: 0 16px 45px rgba(28, 36, 65, 0.05);
  transition: transform var(--transition), box-shadow var(--transition);
}

.program-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 25px 65px rgba(28, 36, 65, 0.085);
}

.program-art {
  position: relative;
  display: grid;
  place-items: center;
  overflow: hidden;
  border-right: 1px solid #e8eaf1;
  background: #f4f5fb;
}

.program-content {
  display: flex;
  flex-direction: column;
  padding: 31px;
}

.program-tag {
  margin-bottom: 19px;
  color: #5968d3;
  font-size: 9px;
  font-weight: 850;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.program-content h3 {
  color: #15182e;
  font-size: 26px;
}

.program-content p {
  color: #656f86;
  font-size: 14px;
}

.program-rules {
  display: flex;
  flex-wrap: wrap;
  gap: 7px;
  margin-top: auto;
  padding-top: 22px;
}

.program-rules span {
  padding: 5px 9px;
  border: 1px solid #e3e6ee;
  border-radius: 99px;
  color: #697188;
  background: #fafbfc;
  font-size: 9px;
  font-weight: 700;
}

.program-debt .program-art {
  background: linear-gradient(145deg, #171c3c, #0d122c);
}

.orbit {
  position: absolute;
  border: 1px solid rgba(112, 149, 255, 0.25);
  border-radius: 50%;
}

.orbit.o1 {
  width: 130px;
  height: 130px;
  animation: spin 14s linear infinite;
}

.orbit.o1::after {
  content: "";
  position: absolute;
  top: 13px;
  left: 17px;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #4dc6ff;
  box-shadow: 0 0 18px rgba(77, 198, 255, 0.8);
}

.orbit.o2 {
  width: 85px;
  height: 85px;
  border-color: rgba(117, 83, 255, 0.33);
  animation: spin 9s linear infinite reverse;
}

.orbit.o2::after {
  content: "";
  position: absolute;
  right: 3px;
  bottom: 16px;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #8a6cff;
  box-shadow: 0 0 16px rgba(138, 108, 255, 0.75);
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

.program-symbol {
  position: relative;
  z-index: 2;
  width: 52px;
  height: 52px;
  display: grid;
  place-items: center;
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 16px;
  color: #fff;
  background: linear-gradient(145deg, rgba(105, 84, 255, 0.72), rgba(22, 162, 236, 0.6));
  box-shadow: 0 15px 30px rgba(30, 71, 191, 0.25);
  font-size: 27px;
  font-weight: 750;
}

.program-lending .program-art {
  align-items: end;
  grid-auto-flow: column;
  gap: 8px;
  padding: 38px;
  background: linear-gradient(145deg, #edf3ff, #f7f8fd);
}

.program-lending .bar {
  width: 16px;
  border-radius: 8px 8px 3px 3px;
  background: linear-gradient(180deg, #4d68eb, #27a5ef);
  box-shadow: 0 9px 16px rgba(52, 99, 221, 0.13);
}

.program-lending .b1 { height: 38px; opacity: 0.55; }
.program-lending .b2 { height: 67px; opacity: 0.72; }
.program-lending .b3 { height: 93px; }
.program-lending .b4 { height: 124px; background: linear-gradient(180deg, #6a51ee, #248feb); }

.program-insurance .program-art {
  background: linear-gradient(145deg, #f2f1ff, #f6f8fd);
}

.program-insurance svg {
  width: 105px;
  height: 105px;
  color: #5066df;
  filter: drop-shadow(0 14px 20px rgba(71, 90, 204, 0.15));
}

.program-insurance svg path:first-child {
  fill: rgba(82, 103, 223, 0.08);
  stroke-width: 2;
}

.program-insurance svg path:last-child {
  stroke: #1d9ee8;
  stroke-width: 5;
}

.program-custom .program-art {
  background: #11152f;
}

.custom-grid {
  display: grid;
  grid-template-columns: repeat(3, 28px);
  gap: 8px;
  transform: rotate(45deg);
}

.custom-grid i {
  width: 28px;
  height: 28px;
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 7px;
  background: rgba(255, 255, 255, 0.04);
}

.custom-grid i:nth-child(2),
.custom-grid i:nth-child(4),
.custom-grid i:nth-child(6),
.custom-grid i:nth-child(8) {
  background: linear-gradient(145deg, rgba(103, 77, 245, 0.55), rgba(20, 146, 236, 0.45));
  box-shadow: 0 0 24px rgba(68, 102, 241, 0.2);
}

.section-control {
  background: linear-gradient(180deg, #060817, #080b1e);
}

.control-grid {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  align-items: center;
  gap: 95px;
}

.control-visual {
  position: relative;
}

.control-visual::before {
  content: "";
  position: absolute;
  inset: -60px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(57, 92, 229, 0.17), transparent 64%);
}

.control-panel {
  position: relative;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 24px;
  background: linear-gradient(150deg, rgba(20, 24, 53, 0.98), rgba(10, 13, 33, 0.98));
  box-shadow: var(--shadow);
}

.control-panel-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 4px 2px 18px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.075);
}

.control-panel-head > div {
  display: grid;
  gap: 2px;
}

.control-panel-head small {
  color: #68728e;
  font-size: 9px;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.control-panel-head strong {
  font-size: 16px;
}

.control-panel-head > span {
  padding: 5px 9px;
  border: 1px solid rgba(79, 224, 164, 0.16);
  border-radius: 99px;
  color: #6fe4b1;
  background: rgba(79, 224, 164, 0.07);
  font-size: 9px;
  font-weight: 800;
  text-transform: uppercase;
}

.control-setting {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 18px 2px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.065);
}

.control-setting > div:first-child {
  display: grid;
  gap: 2px;
}

.control-setting span {
  color: #79839f;
  font-size: 10px;
  font-weight: 700;
}

.control-setting strong {
  color: #dce1ef;
  font-size: 12px;
}

.toggle {
  width: 39px;
  height: 22px;
  display: flex;
  align-items: center;
  padding: 3px;
  border-radius: 99px;
  background: rgba(255, 255, 255, 0.09);
}

.toggle i {
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: #fff;
  transition: transform var(--transition);
}

.toggle.on {
  background: linear-gradient(90deg, #6550f8, #1b9cec);
}

.toggle.on i {
  transform: translateX(17px);
}

.counter {
  display: flex;
  align-items: center;
  gap: 9px;
}

.counter button {
  width: 24px;
  height: 24px;
  display: grid;
  place-items: center;
  border: 1px solid rgba(255, 255, 255, 0.09);
  border-radius: 7px;
  color: #8e98b3;
  background: rgba(255, 255, 255, 0.04);
  cursor: default;
}

.counter b {
  width: 24px;
  color: #fff;
  text-align: center;
  font-size: 12px;
}

.cap-chip {
  padding: 5px 9px;
  border: 1px solid rgba(115, 126, 255, 0.17);
  border-radius: 99px;
  color: #9eb1ff !important;
  background: rgba(96, 86, 235, 0.08);
}

.status-dot {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: #74e0b3 !important;
}

.control-summary {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
  padding-top: 17px;
}

.control-summary div {
  display: grid;
  gap: 2px;
  padding: 14px;
  border: 1px solid rgba(255, 255, 255, 0.07);
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.025);
}

.control-summary span,
.control-summary small {
  color: #6f7894;
  font-size: 8px;
}

.control-summary strong {
  color: #fff;
  font-size: 25px;
  line-height: 1.1;
}

.control-copy > p {
  max-width: 580px;
  margin-bottom: 35px;
}

.check-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}

.check-grid > div {
  display: flex;
  gap: 12px;
}

.check-grid > div > span {
  flex: 0 0 28px;
  width: 28px;
  height: 28px;
  display: grid;
  place-items: center;
  border: 1px solid rgba(96, 139, 255, 0.18);
  border-radius: 9px;
  color: #8eb7ff;
  background: rgba(79, 112, 236, 0.08);
}

.check-grid svg {
  width: 15px;
  height: 15px;
  stroke-width: 2.5;
}

.check-grid > div > div {
  display: grid;
  gap: 3px;
}

.check-grid strong {
  color: #eef1f8;
  font-size: 13px;
}

.check-grid small {
  color: #818ba5;
  font-size: 11px;
  line-height: 1.5;
}

.section-pricing {
  padding-top: 20px;
  padding-bottom: 118px;
  background: #080b1e;
}

.pricing-shell {
  display: grid;
  grid-template-columns: 1.05fr 0.9fr auto;
  align-items: center;
  gap: 50px;
  padding: 45px;
  border: 1px solid rgba(120, 126, 255, 0.23);
  border-radius: 25px;
  background: linear-gradient(120deg, rgba(79, 60, 224, 0.18), rgba(9, 83, 159, 0.13));
}

.pricing-copy h2 {
  margin-bottom: 12px;
  font-size: clamp(30px, 3vw, 42px);
  font-weight: 810;
  letter-spacing: -0.045em;
  line-height: 1.08;
}

.pricing-copy p {
  color: #a3acc1;
  font-size: 14px;
}

.pricing-list {
  display: grid;
  gap: 7px;
}

.pricing-list div {
  display: flex;
  justify-content: space-between;
  gap: 30px;
  padding-bottom: 7px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.065);
}

.pricing-list div:last-child {
  border-bottom: 0;
}

.pricing-list span {
  color: #7f89a3;
  font-size: 10px;
}

.pricing-list strong {
  color: #e4e8f3;
  font-size: 11px;
  text-align: right;
}

.section-calculator {
  background: #f6f7fb;
  color: var(--ink);
}

.calculator-grid {
  display: grid;
  grid-template-columns: 0.82fr 1.18fr;
  align-items: center;
  gap: 92px;
}

.calculator-copy .eyebrow {
  color: #4e5ecf;
}

.calculator-copy h2 {
  color: #12152b;
}

.calculator-copy > p {
  color: #626b81;
}

.calculator-note {
  display: flex;
  gap: 11px;
  padding: 15px;
  margin-top: 28px;
  border: 1px solid #e1e5ef;
  border-radius: 12px;
  color: #747d92;
  background: #fff;
  font-size: 11px;
  line-height: 1.55;
}

.calculator-note svg {
  flex: 0 0 18px;
  width: 18px;
  height: 18px;
  margin-top: 1px;
  color: #5e6bd7;
}

.calculator-card {
  padding: 28px;
  border: 1px solid #dfe3ed;
  border-radius: 24px;
  background: #fff;
  box-shadow: 0 25px 70px rgba(26, 36, 72, 0.08);
}

.calculator-inputs {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 15px;
  padding-bottom: 24px;
  border-bottom: 1px solid #e8eaf1;
}

.calculator-inputs label {
  display: grid;
  gap: 7px;
}

.calculator-inputs label > span {
  color: #596177;
  font-size: 10px;
  font-weight: 750;
}

.input-wrap {
  position: relative;
  display: flex;
  align-items: center;
  overflow: hidden;
  border: 1px solid #dce0ea;
  border-radius: 11px;
  background: #fafbfc;
  transition: border-color var(--transition), box-shadow var(--transition), background var(--transition);
}

.input-wrap:focus-within {
  border-color: #7886e8;
  background: #fff;
  box-shadow: 0 0 0 4px rgba(85, 101, 219, 0.08);
}

.input-wrap input {
  width: 100%;
  height: 48px;
  padding: 0 14px;
  border: 0;
  outline: 0;
  color: #171a2e;
  background: transparent;
  font-size: 15px;
  font-weight: 750;
}

.input-wrap small {
  padding-right: 13px;
  color: #8c93a4;
  font-size: 9px;
  font-weight: 700;
}

.input-wrap.currency i {
  padding-left: 14px;
  color: #858da1;
  font-size: 13px;
  font-style: normal;
  font-weight: 700;
}

.input-wrap.currency input {
  padding-left: 7px;
}

.calculator-results {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
  padding-top: 24px;
}

.calculator-results > div {
  display: grid;
  gap: 5px;
  padding: 16px;
  border: 1px solid #e6e8ef;
  border-radius: 12px;
  background: #fafbfc;
}

.calculator-results span {
  color: #7a8296;
  font-size: 9px;
  font-weight: 700;
}

.calculator-results strong {
  color: #202439;
  font-size: 22px;
  letter-spacing: -0.035em;
  line-height: 1.1;
}

.calculator-results .result-highlight {
  border-color: transparent;
  color: #fff;
  background: linear-gradient(135deg, #5f4bed, #247fe8);
  box-shadow: 0 12px 25px rgba(68, 77, 218, 0.2);
}

.calculator-results .result-highlight span {
  color: rgba(255, 255, 255, 0.7);
}

.calculator-results .result-highlight strong {
  color: #fff;
}

.section-why {
  background: #f6f7fb;
  color: var(--ink);
  padding-top: 12px;
}

.section-why .section-heading h2 {
  color: #12152b;
}

.section-why .section-heading p {
  color: #626b81;
}

.section-why .eyebrow {
  color: #4e5ecf;
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}

.why-card {
  min-height: 270px;
  padding: 25px;
  border: 1px solid #e0e4ed;
  border-radius: 19px;
  background: #fff;
  box-shadow: 0 13px 35px rgba(28, 36, 65, 0.04);
}

.why-index {
  display: block;
  margin-bottom: 65px;
  color: #6b75d7;
  font-size: 11px;
  font-weight: 850;
  letter-spacing: 0.1em;
}

.why-card h3 {
  color: #171a2f;
  font-size: 19px;
}

.why-card p {
  color: #687187;
  font-size: 13px;
}

.section-faq {
  background: #070918;
}

.faq-grid {
  display: grid;
  grid-template-columns: 0.72fr 1.28fr;
  gap: 95px;
  align-items: start;
}

.faq-copy {
  position: sticky;
  top: calc(var(--header-h) + 55px);
}

.faq-copy > p {
  margin-bottom: 26px;
}

.faq-list {
  display: grid;
  gap: 10px;
}

.faq-item {
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.09);
  border-radius: 15px;
  background: rgba(255, 255, 255, 0.025);
  transition: border-color var(--transition), background var(--transition);
}

.faq-item[open] {
  border-color: rgba(101, 118, 250, 0.22);
  background: rgba(69, 69, 188, 0.055);
}

.faq-item summary {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 19px 20px;
  color: #e5e8f1;
  cursor: pointer;
  font-size: 14px;
  font-weight: 760;
  list-style: none;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary span {
  position: relative;
  flex: 0 0 24px;
  width: 24px;
  height: 24px;
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 8px;
}

.faq-item summary span::before,
.faq-item summary span::after {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  width: 9px;
  height: 1px;
  background: #92a6d9;
  transform: translate(-50%, -50%);
  transition: transform var(--transition);
}

.faq-item summary span::after {
  transform: translate(-50%, -50%) rotate(90deg);
}

.faq-item[open] summary span::after {
  transform: translate(-50%, -50%) rotate(0);
}

.faq-answer {
  padding: 0 20px 20px;
}

.faq-answer p {
  max-width: 660px;
  color: #929bb2;
  font-size: 13px;
  line-height: 1.7;
}

.section-apply {
  overflow: hidden;
  padding: 112px 0;
  background: linear-gradient(145deg, #211466 0%, #153a91 45%, #0870a7 100%);
}

.section-apply::before,
.section-apply::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  filter: blur(2px);
}

.section-apply::before {
  top: -300px;
  right: -250px;
  width: 700px;
  height: 700px;
}

.section-apply::after {
  bottom: -430px;
  left: -230px;
  width: 780px;
  height: 780px;
  background: rgba(0, 196, 255, 0.1);
}

.apply-shell {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 0.78fr 1.22fr;
  align-items: start;
  gap: 90px;
}

.apply-copy {
  padding-top: 24px;
}

.apply-copy h2 {
  max-width: 520px;
  color: #fff;
}

.apply-copy > p {
  max-width: 510px;
  color: rgba(235, 241, 255, 0.76);
  font-size: 17px;
}

.apply-points {
  display: grid;
  gap: 19px;
  margin-top: 42px;
}

.apply-points > div {
  display: grid;
  grid-template-columns: 36px 1fr;
  gap: 13px;
}

.apply-points > div > span {
  width: 36px;
  height: 36px;
  display: grid;
  place-items: center;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 11px;
  color: #fff;
  background: rgba(255, 255, 255, 0.08);
  font-size: 11px;
  font-weight: 850;
}

.apply-points p {
  color: rgba(226, 234, 255, 0.68);
  font-size: 12px;
}

.apply-points strong {
  display: block;
  margin-bottom: 2px;
  color: #fff;
  font-size: 13px;
}

.form-card {
  padding: 28px;
  border: 1px solid rgba(255, 255, 255, 0.28);
  border-radius: 24px;
  background: rgba(255, 255, 255, 0.965);
  box-shadow: 0 35px 90px rgba(4, 10, 45, 0.35);
  backdrop-filter: blur(18px);
}

.form-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding-bottom: 20px;
  margin-bottom: 22px;
  border-bottom: 1px solid #e6e8ef;
}

.form-header span {
  color: #1a1d32;
  font-size: 16px;
  font-weight: 820;
  letter-spacing: -0.025em;
}

.form-header small {
  color: #8b91a3;
  font-size: 9px;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}

.form-grid label {
  display: grid;
  gap: 6px;
}

.form-grid label > span {
  color: #525a70;
  font-size: 9.5px;
  font-weight: 760;
}

.form-grid input,
.form-grid select,
.form-grid textarea {
  width: 100%;
  border: 1px solid #dfe2ea;
  border-radius: 10px;
  outline: none;
  color: #1c2036;
  background: #fbfbfd;
  transition: border-color var(--transition), box-shadow var(--transition), background var(--transition);
}

.form-grid input,
.form-grid select {
  height: 46px;
  padding: 0 12px;
}

.form-grid textarea {
  min-height: 100px;
  padding: 11px 12px;
  resize: vertical;
}

.form-grid input:focus,
.form-grid select:focus,
.form-grid textarea:focus {
  border-color: #6b79de;
  background: #fff;
  box-shadow: 0 0 0 4px rgba(83, 98, 210, 0.08);
}

.form-grid input[aria-invalid="true"],
.form-grid select[aria-invalid="true"],
.form-grid textarea[aria-invalid="true"] {
  border-color: #e65d71;
  box-shadow: 0 0 0 4px rgba(230, 93, 113, 0.08);
}

.form-wide {
  grid-column: 1 / -1;
}

.consent-row {
  display: grid;
  grid-template-columns: 17px 1fr;
  gap: 9px;
  margin: 17px 0;
  cursor: pointer;
}

.consent-row input {
  width: 16px;
  height: 16px;
  margin: 2px 0 0;
  accent-color: #5368e3;
}

.consent-row > span {
  color: #7c8394;
  font-size: 8.5px;
  line-height: 1.55;
}

.consent-row a {
  color: #4a5bd0;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.button-submit {
  width: 100%;
  min-height: 52px;
  border: 0;
}

.button-submit[disabled] {
  cursor: wait;
  opacity: 0.7;
  transform: none;
}

.form-status {
  min-height: 0;
  margin-top: 0;
  border-radius: 10px;
  color: #343a50;
  font-size: 11px;
  line-height: 1.55;
}

.form-status:not(:empty) {
  padding: 11px 13px;
  margin-top: 12px;
  border: 1px solid #dae0ee;
  background: #f5f7fb;
}

.form-status.success {
  color: #1e6746;
  border-color: #c7ead9;
  background: #f0fbf5;
}

.form-status.error {
  color: #8a2e3d;
  border-color: #f0cbd1;
  background: #fff5f6;
}

.form-status a {
  color: inherit;
  font-weight: 800;
  text-decoration: underline;
}

.site-footer {
  padding: 68px 0 24px;
  background: #03040d;
}

.footer-main {
  display: grid;
  grid-template-columns: 1fr 1.25fr;
  gap: 90px;
  padding-bottom: 48px;
}

.footer-brand > p {
  max-width: 410px;
  margin: 20px 0 15px;
  color: #81899e;
  font-size: 13px;
}

.operated-by {
  color: #626a80;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
}

.footer-links {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.footer-links > div {
  display: grid;
  align-content: start;
  gap: 10px;
}

.footer-links strong {
  margin-bottom: 4px;
  color: #dce0eb;
  font-size: 11px;
  letter-spacing: 0.04em;
}

.footer-links a {
  color: #788198;
  font-size: 11px;
  transition: color var(--transition);
}

.footer-links a:hover {
  color: #fff;
}

.footer-bottom {
  display: grid;
  grid-template-columns: auto 1fr;
  align-items: start;
  gap: 50px;
  padding-top: 22px;
  border-top: 1px solid rgba(255, 255, 255, 0.07);
}

.footer-bottom span {
  color: #596176;
  font-size: 9px;
  white-space: nowrap;
}

.footer-bottom p {
  justify-self: end;
  max-width: 690px;
  color: #555d72;
  font-size: 8.5px;
  text-align: right;
  line-height: 1.55;
}

.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 700ms ease, transform 700ms cubic-bezier(0.2, 0.7, 0.2, 1);
  transition-delay: var(--delay, 0ms);
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

@media (max-width: 1120px) {
  .desktop-nav {
    gap: 20px;
  }

  .hero-grid {
    grid-template-columns: 1fr 0.92fr;
    gap: 42px;
  }

  .floating-one {
    right: -5px;
  }

  .floating-two {
    left: -8px;
  }

  .program-card {
    grid-template-columns: 140px 1fr;
  }

  .control-grid,
  .calculator-grid {
    gap: 60px;
  }

  .pricing-shell {
    grid-template-columns: 1fr 0.9fr;
  }

  .pricing-shell > .button {
    grid-column: 1 / -1;
    justify-self: start;
  }
}

@media (max-width: 980px) {
  :root {
    --header-h: 70px;
  }

  .desktop-nav,
  .header-actions > .portal-link,
  .header-actions > .button {
    display: none;
  }

  .menu-toggle {
    display: block;
  }

  .hero {
    min-height: auto;
  }

  .hero-grid {
    grid-template-columns: 1fr;
    gap: 60px;
  }

  .hero-copy {
    max-width: 760px;
  }

  .hero-visual {
    width: min(100%, 650px);
    min-height: 590px;
    margin-inline: auto;
  }

  .dashboard-card {
    width: min(100%, 550px);
  }

  .trust-inner {
    align-items: flex-start;
    flex-direction: column;
    gap: 15px;
    padding-block: 23px;
  }

  .market-list {
    justify-content: flex-start;
    flex-wrap: wrap;
    gap: 12px 17px;
  }

  .problem-grid,
  .format-grid {
    grid-template-columns: 1fr;
  }

  .problem-card {
    min-height: 245px;
  }

  .icon-box {
    margin-bottom: 36px;
  }

  .model-shift,
  .section-heading.split,
  .process-layout,
  .control-grid,
  .calculator-grid,
  .faq-grid,
  .apply-shell {
    grid-template-columns: 1fr;
  }

  .section-heading.split {
    gap: 15px;
  }

  .format-card {
    min-height: auto;
  }

  .format-card > p {
    min-height: auto;
  }

  .process-layout,
  .control-grid,
  .calculator-grid,
  .faq-grid,
  .apply-shell {
    gap: 56px;
  }

  .process-copy,
  .faq-copy {
    position: static;
  }

  .program-grid {
    grid-template-columns: 1fr;
  }

  .program-card {
    grid-template-columns: 170px 1fr;
  }

  .control-visual {
    width: min(100%, 590px);
    margin-inline: auto;
  }

  .pricing-shell {
    grid-template-columns: 1fr;
    gap: 30px;
  }

  .pricing-shell > .button {
    grid-column: auto;
  }

  .why-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .apply-copy {
    max-width: 700px;
  }

  .footer-main {
    grid-template-columns: 1fr;
    gap: 50px;
  }
}

@media (max-width: 700px) {
  .container {
    width: min(calc(100% - 28px), var(--container));
  }

  .section {
    padding: 82px 0;
  }

  .section-pad {
    padding: 76px 0 82px;
  }

  .brand-mark {
    width: 43px;
    height: 27px;
  }

  .brand-word {
    font-size: 17px;
  }

  .hero h1 {
    font-size: clamp(40px, 12vw, 56px);
    line-height: 1.01;
  }

  .hero-lede {
    font-size: 16px;
  }

  .hero-actions {
    align-items: stretch;
    flex-direction: column;
  }

  .hero-actions .button {
    width: 100%;
  }

  .hero-proof {
    display: grid;
  }

  .hero-visual {
    min-height: 520px;
  }

  .dashboard-card {
    padding: 16px;
    transform: none;
  }

  .metric-card {
    padding: 10px 8px;
  }

  .metric-card strong {
    font-size: 21px;
  }

  .flow-card {
    padding: 12px;
  }

  .flow-step {
    grid-template-columns: 30px 1fr auto;
    gap: 8px;
  }

  .flow-icon {
    width: 30px;
    height: 30px;
  }

  .floating-card {
    display: none;
  }

  .section-heading {
    margin-bottom: 38px;
  }

  .section-heading h2,
  .process-copy h2,
  .control-copy h2,
  .calculator-copy h2,
  .faq-copy h2,
  .apply-copy h2 {
    font-size: 38px;
  }

  .section-heading p,
  .process-copy > p,
  .control-copy > p,
  .calculator-copy > p,
  .faq-copy > p {
    font-size: 15px;
  }

  .problem-card,
  .format-card,
  .program-content,
  .why-card {
    padding: 23px;
  }

  .model-shift {
    gap: 35px;
    padding: 28px;
  }

  .model-pillars div {
    align-items: flex-start;
    flex-direction: column;
    gap: 2px;
  }

  .process-step {
    grid-template-columns: 52px 1fr;
    gap: 16px;
  }

  .step-number {
    width: 52px;
    height: 52px;
    border-radius: 15px;
  }

  .process-steps::before {
    left: 25px;
  }

  .program-card {
    grid-template-columns: 1fr;
  }

  .program-art {
    min-height: 150px;
    border-right: 0;
    border-bottom: 1px solid #e8eaf1;
  }

  .program-lending .program-art {
    justify-content: center;
    grid-auto-flow: column;
  }

  .check-grid,
  .calculator-inputs,
  .calculator-results,
  .why-grid,
  .form-grid {
    grid-template-columns: 1fr;
  }

  .control-panel,
  .calculator-card,
  .form-card {
    padding: 20px;
  }

  .pricing-shell {
    padding: 28px;
  }

  .pricing-list div {
    align-items: flex-start;
    flex-direction: column;
    gap: 1px;
  }

  .pricing-list strong {
    text-align: left;
  }

  .form-wide {
    grid-column: auto;
  }

  .form-header {
    align-items: flex-start;
    flex-direction: column;
    gap: 2px;
  }

  .footer-links {
    grid-template-columns: repeat(2, 1fr);
    row-gap: 35px;
  }

  .footer-bottom {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .footer-bottom p {
    justify-self: start;
    text-align: left;
  }
}

@media (max-width: 420px) {
  .header-inner {
    gap: 12px;
  }

  .brand-word {
    font-size: 16px;
  }

  .hero h1 {
    font-size: 39px;
  }

  .metric-grid {
    gap: 6px;
  }

  .metric-card span,
  .metric-card small {
    font-size: 7px;
  }

  .metric-card strong {
    font-size: 19px;
  }

  .flow-status {
    display: none;
  }

  .flow-step {
    grid-template-columns: 30px 1fr;
  }

  .capacity-row {
    grid-template-columns: 1fr;
  }

  .capacity-row small {
    grid-column: auto;
  }

  .footer-links {
    grid-template-columns: 1fr;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
  }

  .reveal {
    opacity: 1;
    transform: none;
  }
}

/* Invisible spam trap. Kept outside the viewport instead of display:none so basic bots still fill it. */
.honeypot-field {
  position: absolute !important;
  left: -10000px !important;
  top: auto !important;
  width: 1px !important;
  height: 1px !important;
  overflow: hidden !important;
}

.form-grid input.is-invalid,
.form-grid select.is-invalid,
.form-grid textarea.is-invalid,
.consent-row input.is-invalid {
  border-color: #e24a67;
  box-shadow: 0 0 0 4px rgba(226, 74, 103, 0.12);
}

.button-submit[disabled] {
  cursor: wait;
  opacity: 0.72;
  transform: none;
}

.form-status {
  min-height: 1.5rem;
}

.form-status.is-success {
  color: #62e3b2;
}

.form-status.is-error {
  color: #ff8aa0;
}

.form-status a {
  color: inherit;
  font-weight: 800;
  text-decoration: underline;
  text-underline-offset: 3px;
}