:root{
  --navy:#061f37;
  --navy-2:#082643;
  --blue:#0f558a;
  --blue-2:#165f99;
  --gold:#f7b719;
  --ink:#081b2e;
  --muted:#5d6a78;
  --line:#d7dde3;
  --page:#f5f6f7;
  --white:#ffffff;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
html,body{margin:0;padding:0}
body{
  font-family:Arial,Helvetica,sans-serif;
  color:var(--ink);
  background:#fff;
  min-width:320px;
}
a{text-decoration:none;color:inherit}
button,input,select,textarea{font:inherit}

.utility-bar{
  height:34px;
  background:#061a2e;
  color:#fff;
  display:flex;
  align-items:center;
}
.utility-inner{
  width:min(1600px,calc(100% - 40px));
  margin:0 auto;
  display:grid;
  grid-template-columns:1fr auto;
  align-items:center;
}
.utility-link{
  color:var(--gold);
  font-weight:900;
  font-size:11px;
  letter-spacing:.7px;
}

.state-strip{
  height:34px;
  background:var(--gold);
  color:#071728;
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:10px;
  font-weight:900;
  letter-spacing:5px;
}

.site-header{
  height:112px;
  width:min(1600px,calc(100% - 40px));
  margin:0 auto;
  display:grid;
  grid-template-columns:390px minmax(680px,1fr) 170px;
  gap:24px;
  align-items:center;
  background:#fff;
}
.brand{display:flex;align-items:center;gap:13px}
.logo-box{
  width:60px;height:49px;
  display:flex;align-items:center;justify-content:center;
  background:var(--navy);
  color:#fff;
  border-bottom:4px solid var(--gold);
  font-size:20px;
  font-weight:900;
  letter-spacing:-1px;
}
.logo-box span{color:var(--gold)}
.brand-name{font-size:16px;font-weight:900;letter-spacing:.4px}
.brand-sub{font-size:9px;color:#6d7a86;letter-spacing:.6px;margin-top:6px}

.primary-nav{
  display:flex;
  justify-content:center;
  align-items:center;
  gap:27px;
  white-space:nowrap;
  font-size:12px;
  font-weight:900;
}
.primary-nav a{
  padding:13px 0 10px;
  border-bottom:3px solid transparent;
}
.primary-nav a:hover,
.primary-nav a:focus-visible{
  color:var(--blue);
  border-bottom-color:var(--gold);
}
.primary-nav a.active{
  color:var(--blue);
  border-bottom-color:var(--gold);
}

.apply-top{
  background:var(--gold);
  min-height:46px;
  padding:0 20px;
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:11px;
  font-weight:900;
  letter-spacing:1px;
  color:#071728;
}

.hero{
  min-height:447px;
  background:linear-gradient(90deg,#fff 0 54%,#eef1f3 54% 100%);
  border-top:1px solid #d5d9dd;
  position:relative;
  overflow:hidden;
  display:grid;
  grid-template-columns:1.05fr .95fr;
  gap:64px;
  padding:28px max(6vw,70px) 22px;
}
.hero-left{
  position:relative;
  z-index:2;
  align-self:center;
}
.eyebrow{
  color:var(--blue);
  font-size:11px;
  font-weight:900;
  letter-spacing:3px;
  display:flex;
  align-items:center;
  gap:12px;
}
.eyebrow span{
  display:block;
  width:34px;
  height:3px;
  background:var(--gold);
}
h1{
  font-size:62px;
  line-height:1.02;
  letter-spacing:-3px;
  font-weight:300;
  margin:25px 0 20px;
  color:#08233d;
}
h1 strong{
  color:var(--blue);
  font-weight:400;
}
.hero-copy{
  font-size:14px;
  line-height:1.62;
  color:#5e6974;
  max-width:720px;
  margin:0 0 23px;
}
.hero-actions{
  display:flex;
  gap:12px;
  margin:18px 0 14px;
}
.btn{
  min-width:205px;
  height:53px;
  border:0;
  display:flex;
  align-items:center;
  justify-content:center;
  font-weight:900;
  font-size:11px;
  letter-spacing:1.2px;
  cursor:pointer;
}
.btn-gold{
  background:var(--gold);
  color:#061a2e;
}
.btn-outline{
  background:#fff;
  border:2px solid #10253c;
  color:#10253c;
}
.audience{
  font-size:13px;
  line-height:1.35;
  font-weight:900;
  max-width:760px;
  margin:0;
}
.watermark{
  position:absolute;
  left:17%;
  bottom:-38px;
  font-size:215px;
  line-height:.9;
  font-weight:900;
  color:#dfe3e6;
  opacity:.74;
  letter-spacing:-13px;
  z-index:0;
}

.process-card{
  position:relative;
  z-index:3;
  align-self:center;
  background:var(--navy-2);
  color:#fff;
  padding:28px 30px 24px;
  box-shadow:13px 11px 0 var(--gold);
  min-height:365px;
}
.process-label{
  color:#8fc1e6;
  font-size:10px;
  letter-spacing:2px;
  margin-bottom:16px;
}
.process-step{
  display:grid;
  grid-template-columns:43px 1fr;
  gap:15px;
  border-top:1px solid #31506c;
  padding:15px 0 14px;
}
.process-step.last{padding-bottom:0}
.process-step .num{
  color:var(--gold);
  font-size:12px;
  font-weight:900;
}
.process-step h2{
  font-size:14px;
  margin:0 0 7px;
  font-weight:900;
}
.process-step p{
  font-size:10px;
  color:#bdd0df;
  margin:0;
  line-height:1.45;
}

.benefit-band{
  background:var(--navy-2);
  color:#c8d4de;
  min-height:124px;
  padding:27px 0 24px;
  overflow:hidden;
}
.benefit-title{
  color:var(--gold);
  text-align:center;
  font-size:11px;
  font-weight:900;
  letter-spacing:.9px;
  margin-bottom:22px;
}
.benefit-row{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  font-size:11px;
}
.benefit-row>div{
  padding:0 26px;
  border-right:1px solid #29455e;
  display:flex;
  align-items:center;
  gap:9px;
}
.benefit-row>div:last-child{border-right:0}
.badge{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-width:31px;
  height:19px;
  background:var(--gold);
  color:#0a2239;
  font-size:9px;
  font-weight:900;
  border-radius:2px;
}
.benefit-row b{color:#fff}
.benefit-row span:last-child{
  color:#b8c7d3;
  overflow:hidden;
  text-overflow:ellipsis;
  white-space:nowrap;
}

.stats{
  height:88px;
  background:#175f97;
  display:grid;
  grid-template-columns:repeat(4,1fr);
  border-top:1px solid #2b6ea4;
}
.stat{
  display:flex;
  align-items:center;
  justify-content:center;
  gap:15px;
  color:#fff;
  border-right:1px solid #3978a9;
}
.stat:last-child{border-right:0}
.stat-num{
  color:var(--gold);
  font-size:30px;
  font-weight:500;
}
.stat-label{
  font-size:9px;
  font-weight:900;
  letter-spacing:.7px;
  line-height:1.3;
}

/* Compact application section, same palette and grid language */
.application-panel{
  background:#f4f6f8;
  padding:54px max(7vw,80px) 64px;
  border-top:1px solid var(--line);
}
.application-intro{
  max-width:780px;
  margin-bottom:28px;
}
.application-intro h2{
  font-size:34px;
  letter-spacing:-1px;
  margin:13px 0 8px;
}
.application-intro p{
  margin:0;
  color:var(--muted);
  font-size:13px;
}
form{
  max-width:1200px;
  background:#fff;
  border-top:5px solid var(--gold);
  padding:30px;
  box-shadow:0 10px 28px rgba(6,31,55,.07);
}
.form-grid{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:18px;
}
label{
  font-size:11px;
  font-weight:800;
  color:#2d4051;
}
label.wide{grid-column:1/-1}
input,select,textarea{
  width:100%;
  margin-top:6px;
  border:1px solid #cfd8df;
  background:#fff;
  padding:10px 11px;
  color:var(--ink);
  outline:none;
  border-radius:0;
}
input:focus,select:focus,textarea:focus{
  border-color:var(--blue);
  box-shadow:0 0 0 2px rgba(15,85,138,.12);
}
textarea{resize:vertical}
.checks{
  display:grid;
  gap:8px;
  margin:20px 0;
}
.checks label{
  display:flex;
  gap:9px;
  align-items:flex-start;
  border:1px solid var(--line);
  padding:10px 12px;
  font-weight:600;
}
.checks input{width:auto;margin:2px 0 0}
.submit-button{
  border:0;
  background:var(--navy);
  color:#fff;
  min-height:50px;
  padding:0 20px;
  font-size:11px;
  font-weight:900;
  letter-spacing:.8px;
  cursor:pointer;
}
.mock-notice{
  margin-top:14px;
  border:1px solid #ead37b;
  background:#fff7d7;
  color:#574711;
  padding:12px 14px;
  font-size:12px;
}

/* Terms modal */
.modal{
  position:fixed;
  inset:0;
  background:rgba(3,15,27,.72);
  z-index:100;
  display:flex;
  align-items:center;
  justify-content:center;
  padding:24px;
}
.modal[hidden]{display:none}
.modal-card{
  width:min(650px,100%);
  background:#fff;
  border-top:6px solid var(--gold);
  padding:34px;
  position:relative;
  box-shadow:0 28px 80px rgba(0,0,0,.35);
}
.modal-card h2{
  margin:13px 0 18px;
  font-size:30px;
}
.modal-card ul{
  margin:0;
  padding-left:20px;
  color:#536270;
  line-height:1.55;
  font-size:13px;
}
.modal-card li{margin:8px 0}
.modal-close{
  position:absolute;
  right:18px;
  top:14px;
  width:34px;
  height:34px;
  border:0;
  background:var(--navy);
  color:#fff;
  font-size:22px;
  cursor:pointer;
}

@media (max-width:1250px){
  .site-header{grid-template-columns:330px 1fr 145px}
  .primary-nav{gap:16px;font-size:11px}
  h1{font-size:52px}
}
@media (max-width:1000px){
  .utility-bar{display:none}
  .site-header{
    height:auto;
    min-height:124px;
    grid-template-columns:1fr auto;
    grid-template-areas:"brand apply" "nav nav";
    padding:15px 0;
  }
  .brand{grid-area:brand}
  .primary-nav{
    grid-area:nav;
    justify-content:flex-start;
    overflow-x:auto;
    padding-bottom:3px;
  }
  .apply-top{grid-area:apply}
  .hero{
    grid-template-columns:1fr;
    padding:32px 5vw 44px;
  }
  .process-card{margin-top:8px}
  .benefit-row{grid-template-columns:1fr 1fr;row-gap:18px}
  .benefit-row>div:nth-child(2){border-right:0}
  .form-grid{grid-template-columns:1fr}
  label.wide{grid-column:auto}
}
@media (max-width:720px){
  .state-strip{font-size:9px;letter-spacing:2px}
  .site-header{
    width:calc(100% - 28px);
    grid-template-columns:1fr;
    grid-template-areas:"brand" "nav" "apply";
  }
  .apply-top{width:100%}
  .primary-nav{gap:22px}
  h1{font-size:43px;letter-spacing:-2px}
  .hero-actions{flex-direction:column}
  .btn{width:100%}
  .benefit-row{grid-template-columns:1fr}
  .benefit-row>div{border-right:0}
  .stats{height:auto;grid-template-columns:1fr 1fr}
  .stat{min-height:78px}
  .application-panel{padding-left:22px;padding-right:22px}
  form{padding:22px 17px}
}


/* More explanation — same homepage visual language */
.hero-clarifier{
  max-width:720px;
  margin:-9px 0 20px;
  padding:10px 14px;
  border-left:4px solid var(--gold);
  background:#f7f8f9;
  color:#566473;
  font-size:12px;
  line-height:1.45;
}
.hero-clarifier strong{color:var(--navy)}

.explain-panel{
  padding:58px max(7vw,80px) 64px;
  background:#fff;
  border-top:1px solid var(--line);
}
.explain-lead{
  display:grid;
  grid-template-columns:minmax(0,1fr);
  max-width:920px;
  margin-bottom:30px;
}
.explain-lead h2{
  margin:15px 0 12px;
  font-size:36px;
  line-height:1.08;
  letter-spacing:-1.4px;
  color:var(--navy);
}
.explain-lead p{
  margin:0;
  max-width:880px;
  font-size:14px;
  line-height:1.65;
  color:var(--muted);
}
.explain-lead em{
  color:var(--blue);
  font-style:normal;
  font-weight:800;
}
.explain-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:0;
  border:1px solid var(--line);
}
.explain-grid article{
  min-height:210px;
  padding:24px;
  border-right:1px solid var(--line);
  background:#fff;
}
.explain-grid article:last-child{border-right:0}
.explain-number{
  color:var(--gold);
  background:var(--navy);
  width:32px;
  height:24px;
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:9px;
  font-weight:900;
}
.explain-grid h3{
  font-size:17px;
  margin:18px 0 9px;
  color:var(--navy);
}
.explain-grid p{
  margin:0;
  font-size:12px;
  line-height:1.55;
  color:#657381;
}
.not-contract{
  margin-top:20px;
  display:grid;
  grid-template-columns:220px 1fr;
  align-items:stretch;
  border:1px solid #e6cf77;
}
.not-contract-title{
  background:var(--gold);
  color:var(--navy);
  display:flex;
  align-items:center;
  padding:18px;
  font-size:10px;
  font-weight:900;
  letter-spacing:1px;
}
.not-contract-items{
  background:#fff9df;
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:0;
}
.not-contract-items span{
  padding:13px 15px;
  font-size:11px;
  font-weight:700;
  color:#5f5428;
  border-right:1px solid #eadb9b;
  border-bottom:1px solid #eadb9b;
}
.relationship-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:18px;
  margin-top:28px;
}
.relationship-card{
  border:1px solid var(--line);
  padding:28px;
  background:#f6f8fa;
}
.relationship-card.dark{
  background:var(--navy-2);
  color:#fff;
  border-color:var(--navy-2);
}
.eyebrow.light{color:#9bc8e7}
.relationship-card h3{
  margin:16px 0 15px;
  font-size:20px;
  line-height:1.2;
}
.relationship-card ul{
  margin:0;
  padding:0;
  list-style:none;
}
.relationship-card li{
  position:relative;
  padding:9px 0 9px 23px;
  border-top:1px solid #dce2e7;
  font-size:12px;
  line-height:1.4;
  color:#5e6d79;
}
.relationship-card.dark li{
  color:#d2dfe8;
  border-top-color:#31506c;
}
.relationship-card li::before{
  content:"✓";
  position:absolute;
  left:0;
  color:var(--blue);
  font-weight:900;
}
.relationship-card.dark li::before{color:var(--gold)}

.program-separation{
  margin-top:18px;
  display:grid;
  grid-template-columns:1fr 1fr;
  border:1px solid var(--line);
}
.program-separation>div{
  padding:16px 18px;
  display:flex;
  flex-direction:column;
}
.program-separation>div:first-child{
  border-right:1px solid var(--line);
  background:#f1f5f8;
}
.program-separation strong{
  font-size:12px;
  color:var(--navy);
  margin-bottom:4px;
}
.program-separation span{
  font-size:11px;
  color:#6b7884;
  line-height:1.4;
}

@media(max-width:1050px){
  .explain-grid{grid-template-columns:1fr 1fr}
  .explain-grid article:nth-child(2){border-right:0}
  .explain-grid article:nth-child(1),
  .explain-grid article:nth-child(2){border-bottom:1px solid var(--line)}
  .not-contract{grid-template-columns:1fr}
  .not-contract-items{grid-template-columns:1fr 1fr}
}
@media(max-width:720px){
  .explain-panel{padding-left:22px;padding-right:22px}
  .explain-lead h2{font-size:30px}
  .explain-grid{grid-template-columns:1fr}
  .explain-grid article{border-right:0;border-bottom:1px solid var(--line)}
  .explain-grid article:last-child{border-bottom:0}
  .not-contract-items{grid-template-columns:1fr}
  .relationship-grid,.program-separation{grid-template-columns:1fr}
  .program-separation>div:first-child{border-right:0;border-bottom:1px solid var(--line)}
}


.primary-nav .home-nav{
  color:var(--navy);
  border-bottom-color:transparent;
}
.primary-nav .home-nav::before{
  content:"⌂";
  color:var(--gold);
  margin-right:5px;
  font-size:11px;
}
.primary-nav .home-nav:hover,
.primary-nav .home-nav:focus-visible{
  color:var(--blue);
  border-bottom-color:var(--gold);
}


.netlify-honeypot{
  position:absolute !important;
  overflow:hidden !important;
  clip:rect(0 0 0 0) !important;
  height:1px !important;
  width:1px !important;
  margin:-1px !important;
  padding:0 !important;
  border:0 !important;
}
.form-success{
  background:#edf7f2 !important;
  border-color:#b7d9c7 !important;
  color:#214d38 !important;
}
.form-error{
  background:#fff0f0 !important;
  border-color:#e2b9b9 !important;
  color:#7a2424 !important;
}
button[disabled], .submit-button[disabled]{
  opacity:.65;
  cursor:wait;
}


.benefit-row{display:none !important}
.benefit-heading-row{position:relative;display:flex;align-items:center;justify-content:center;min-height:24px;margin-bottom:18px;padding:0 76px}
.benefit-heading-row .benefit-title{margin:0}
.benefit-marquee-toggle{position:absolute;right:24px;top:50%;transform:translateY(-50%);border:1px solid #45647e;background:transparent;color:#c7d6e0;font-size:8px;font-weight:900;letter-spacing:1px;min-height:26px;padding:0 9px;cursor:pointer}
.benefit-marquee-toggle:hover,.benefit-marquee-toggle:focus-visible{color:var(--navy);background:var(--gold);border-color:var(--gold)}
.benefit-marquee-shell{display:block!important;width:100%!important;overflow:hidden!important;position:relative!important}
.benefit-marquee-track{display:flex!important;flex-wrap:nowrap!important;width:max-content!important;min-width:max-content!important;will-change:transform;animation:program-benefit-scroll 28s linear infinite!important}
.benefit-marquee-group{display:flex!important;flex:0 0 auto!important;flex-wrap:nowrap!important;width:max-content!important;min-width:max-content!important}
.benefit-marquee-group>div{display:flex!important;flex:0 0 auto!important;align-items:center!important;min-width:430px!important;width:auto!important;white-space:nowrap!important;padding:0 26px;border-right:1px solid #29455e;gap:9px;font-size:11px}
.benefit-marquee-group b{color:#fff}
.benefit-marquee-group>div>span:last-child{color:#b8c7d3}
.benefit-marquee-shell:hover .benefit-marquee-track,.benefit-marquee-shell:focus-within .benefit-marquee-track,.benefit-marquee-shell.is-paused .benefit-marquee-track{animation-play-state:paused!important}
@keyframes program-benefit-scroll{from{transform:translate3d(0,0,0)}to{transform:translate3d(-50%,0,0)}}
@media(prefers-reduced-motion:reduce){.benefit-marquee-track{animation:none!important;transform:none!important}.benefit-marquee-group[aria-hidden="true"]{display:none!important}.benefit-marquee-shell{overflow-x:auto!important}.benefit-marquee-toggle{display:none}}
@media(max-width:1000px){.benefit-marquee-group>div{min-width:380px!important}}
@media(max-width:720px){.benefit-heading-row{padding:0 54px 0 14px}.benefit-marquee-toggle{right:10px}.benefit-marquee-group>div{min-width:330px!important;padding:0 18px}}

.page-hidden .marquee-track,.page-hidden .benefit-marquee-track{animation-play-state:paused!important}

.marquee-toggle,.benefit-marquee-toggle{display:none!important}

.formsubmit-honey{
  position:absolute !important;
  left:-10000px !important;
  top:auto !important;
  width:1px !important;
  height:1px !important;
  overflow:hidden !important;
  opacity:0 !important;
  pointer-events:none !important;
}