: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{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)}
.eyebrow.light{color:#9bc8e7}
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-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)}
.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;
}
.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}

.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:27px;font-weight:700}
.stat-label{font-size:9px;font-weight:900;letter-spacing:.7px;line-height:1.3}

.explain-panel{
  padding:58px max(7vw,80px) 68px;background:#fff;border-top:1px solid var(--line);
}
.explain-lead{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:900px;font-size:14px;line-height:1.65;color:var(--muted);
}
.explain-grid{
  display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid var(--line);
}
.explain-grid article{
  min-height:205px;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);
}
.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);
}
.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)}

.scorecard{
  margin-top:26px;border:1px solid var(--line);background:#fff;
}
.scorecard-head{
  display:flex;justify-content:space-between;gap:20px;align-items:end;
  padding:24px;border-bottom:1px solid var(--line);
}
.scorecard-head h3{font-size:20px;margin:14px 0 0;max-width:760px}
.score-badge{
  background:var(--gold);color:var(--navy);font-size:10px;font-weight:900;
  letter-spacing:1px;padding:9px 12px;
}
.score-grid{
  display:grid;grid-template-columns:repeat(4,1fr);
}
.score-grid>div{
  min-height:95px;padding:18px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);
  display:flex;flex-direction:column;
}
.score-grid>div:nth-child(4n){border-right:0}
.score-grid b{font-size:12px;color:var(--navy);margin-bottom:5px}
.score-grid span{font-size:11px;color:#6b7884;line-height:1.35}

.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}

.path-cta{
  margin-top:24px;background:var(--gold);color:var(--navy);
  padding:22px 24px;display:flex;align-items:center;justify-content:space-between;gap:30px;
}
.path-cta>div{display:flex;flex-direction:column}
.path-cta span{font-size:9px;font-weight:900;letter-spacing:1.4px}
.path-cta strong{font-size:19px;margin-top:5px}
.path-cta p{font-size:11px;margin:4px 0 0}
.cta-dark{
  min-width:240px;min-height:50px;background:var(--navy);color:#fff;
  display:flex;align-items:center;justify-content:center;padding:0 18px;
  font-size:10px;font-weight:900;letter-spacing:.7px;
}

/* 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(680px,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: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}
  .score-grid{grid-template-columns:1fr 1fr}
  .score-grid>div{border-right:1px solid var(--line)}
  .score-grid>div:nth-child(2n){border-right:0}
}
@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}
}
@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}
  .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)}
  .not-contract-items{grid-template-columns:1fr}
  .relationship-grid,.program-separation,.score-grid{grid-template-columns:1fr}
  .program-separation>div:first-child{border-right:0;border-bottom:1px solid var(--line)}
  .score-grid>div{border-right:0}
  .path-cta{flex-direction:column;align-items:stretch}
  .cta-dark{width:100%}
}


.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;
}