:root{--navy:#0b2a5e;--navy-d:#071a3d;--navy-dd:#050f26;--green:#5aa63c;--green-d:#468a2c;--green-l:#eaf6e4;--sky:#2f80ed;--ink:#0f1b33;--muted:#5b6b85;--line:#e3e9f2;--bg:#f6f8fc;--r:18px;--sh:0 18px 50px -18px rgba(11,42,94,.28)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:80px}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased}
img,video{max-width:100%;display:block;height:auto}picture{display:block}
a{color:var(--navy)}h1,h2,h3{line-height:1.15;letter-spacing:-.02em;margin:0 0 .6em}
h2{font-size:clamp(1.8rem,3.4vw,2.6rem);color:var(--navy)}h3{font-size:1.15rem}
p{margin:0 0 1em}.wrap{width:min(1180px,92vw);margin:0 auto}.narrow{width:min(820px,92vw)}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
.btn{display:inline-flex;align-items:center;gap:.5em;justify-content:center;background:var(--green);color:#fff;font-weight:700;text-decoration:none;border:0;border-radius:999px;padding:.85em 1.5em;font-size:1rem;cursor:pointer;transition:.2s;box-shadow:0 10px 24px -10px rgba(90,166,60,.8)}
.btn:hover{background:var(--green-d);transform:translateY(-1px)}.btn-lg{padding:1em 1.8em;font-size:1.05rem}.btn-sm{padding:.6em 1.1em;font-size:.92rem}.btn-block{width:100%}
.btn-ghost{background:rgba(255,255,255,.08);border:1.5px solid rgba(255,255,255,.55);box-shadow:none;backdrop-filter:blur(6px)}.btn-ghost:hover{background:rgba(255,255,255,.18)}
/* nav */
.nav{position:fixed;inset:0 0 auto;z-index:50;transition:.25s;background:transparent}
.nav.scrolled{background:rgba(255,255,255,.96);box-shadow:0 6px 24px -12px rgba(11,42,94,.25);backdrop-filter:blur(10px)}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:74px;gap:20px}
.brand img{height:34px;width:auto}.brand .logo-dark{display:none}.nav.scrolled .logo-dark{display:block}.nav.scrolled .logo-light{display:none}
.links{display:flex;gap:26px}.links a{color:#fff;text-decoration:none;font-weight:500;font-size:.95rem;opacity:.9}.nav.scrolled .links a{color:var(--ink)}
.links a:hover{opacity:1;color:var(--green)}
.nav-cta{display:flex;align-items:center;gap:14px}.phone{display:flex;align-items:center;gap:6px;color:#fff;text-decoration:none;font-weight:700}.nav.scrolled .phone{color:var(--navy)}
/* hero */
.hero{position:relative;color:#fff;padding:140px 0 60px;overflow:hidden;background:var(--navy-dd);min-height:100vh;display:flex;flex-direction:column;justify-content:center}
.hero-media{position:absolute;inset:0;z-index:0}.hero-media picture,.hero-poster,.hero-video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero-video{opacity:0;transition:opacity 1s}.hero-video.ready{opacity:1}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(100deg,rgba(5,15,38,.94) 0%,rgba(7,26,61,.85) 45%,rgba(11,42,94,.55) 100%),radial-gradient(60% 60% at 80% 20%,rgba(90,166,60,.25),transparent 70%)}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.pill{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);padding:6px 14px;border-radius:999px;font-size:.85rem;font-weight:600;backdrop-filter:blur(6px)}
.dot{width:8px;height:8px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px rgba(90,166,60,.3)}
.hero h1{font-size:clamp(2.4rem,5.4vw,4.1rem);font-weight:800;margin:.45em 0 .35em;color:#fff}
.hl{white-space:nowrap;background:linear-gradient(90deg,#7fd35c,#5aa63c);-webkit-background-clip:text;background-clip:text;color:transparent}
.lead{font-size:clamp(1.05rem,1.6vw,1.22rem);color:#d9e3f5;max-width:36em}.lead strong{color:#fff}
.cta-row{display:flex;flex-wrap:wrap;gap:14px;margin:28px 0 22px}
.ticks{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:10px 22px}.ticks li{position:relative;padding-left:26px;font-weight:600}
.ticks li:before{content:"";position:absolute;left:0;top:.2em;width:18px;height:18px;border-radius:50%;background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M5 12l5 5 9-10' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/12px no-repeat}
.ticks.v{flex-direction:column;margin:18px 0 24px}.ticks.light li{color:#fff}
.hero-card{background:rgba(255,255,255,.97);color:var(--ink);border-radius:24px;padding:28px;box-shadow:0 40px 80px -30px rgba(0,0,0,.6)}
.hc-top{display:flex;justify-content:space-between;align-items:center;font-weight:600;color:var(--muted);font-size:.9rem}
.chip{background:var(--green-l);color:var(--green-d);padding:4px 10px;border-radius:999px;font-size:.78rem;font-weight:700}
.hc-limit{margin:16px 0 12px}.hc-limit small,.hc-row small,.hc-rate small{display:block;color:var(--muted);font-size:.8rem}
.big{font-size:2.6rem;font-weight:800;color:var(--navy);letter-spacing:-.03em}
.bar{height:10px;border-radius:99px;background:#e8eef7;overflow:hidden}.bar span{display:block;height:100%;background:linear-gradient(90deg,var(--navy),var(--green));border-radius:99px}
.hc-row{display:flex;justify-content:space-between;margin:14px 0 18px}.hc-row b{font-size:1.15rem}
.hc-rate{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;background:var(--bg);border-radius:14px;padding:14px}.hc-rate b{color:var(--navy)}
.hc-note{font-size:.78rem;color:var(--muted);margin:14px 0 0}
.trust{position:relative;z-index:1;display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:56px}
.tb{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:16px;padding:16px 18px;backdrop-filter:blur(8px)}
.tb b{display:block;font-size:1.15rem;color:#fff}.tb span{font-size:.86rem;color:#c8d4ea}
/* sections */
.sec{padding:96px 0}.alt{background:var(--bg)}
.sec-head{text-align:center;max-width:720px;margin:0 auto 52px}.sec-head p{color:var(--muted);font-size:1.08rem}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d);margin-bottom:10px}.eyebrow.light{color:#9be07c}
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}.split p{color:var(--muted);font-size:1.06rem}
.split-media img,.benefits-art img{border-radius:28px;box-shadow:var(--sh);background:#fff}
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:28px;counter-reset:s}
.steps li{position:relative;background:#fff;border:1px solid var(--line);border-radius:24px;padding:18px 24px 28px;box-shadow:0 10px 30px -20px rgba(11,42,94,.3);transition:.25s}
.steps li:hover{transform:translateY(-4px);box-shadow:var(--sh)}
.step-img img{border-radius:16px;aspect-ratio:1/1;object-fit:cover;margin-bottom:6px}
.num{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;margin:6px 0 12px}
.steps p{color:var(--muted);margin:0}
.benefits-art{max-width:860px;margin:0 auto 40px}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:26px;transition:.25s}.card:hover{transform:translateY(-4px);box-shadow:var(--sh)}
.card p{color:var(--muted);margin:0;font-size:.96rem}
.ic{display:inline-grid;place-items:center;min-width:52px;height:52px;padding:0 10px;border-radius:14px;background:linear-gradient(135deg,var(--navy),#1f4f9a);color:#fff;font-weight:800;margin-bottom:16px}
.uses{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;align-items:center;margin-top:36px;color:var(--muted);font-weight:600}
.uses em{font-style:normal;background:#fff;border:1px solid var(--line);padding:7px 14px;border-radius:999px;color:var(--navy);font-size:.9rem}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}.calc-grid p{color:var(--muted);font-size:1.06rem}
.calc{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-d) 100%);color:#fff;border-radius:28px;padding:34px;box-shadow:var(--sh)}
.calc h3{font-size:1.3rem}.calc label{display:flex;justify-content:space-between;font-weight:600;margin:22px 0 10px;color:#d6e0f2}.calc output{color:#fff;font-weight:800}
input[type=range]{width:100%;accent-color:var(--green);height:6px}
.result{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:28px 0 14px}.result div{background:rgba(255,255,255,.08);border-radius:14px;padding:14px}
.result small{display:block;color:#b9c7e0;font-size:.8rem}.result b{font-size:1.35rem}#interest,#total{color:#9be07c}
.fine{font-size:.8rem;color:#b9c7e0!important}
.elig-split{grid-template-columns:1fr 1fr}
.elig{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.e{display:flex;gap:14px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px}
.e>span{flex:none;display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--green-l);color:var(--green-d);font-weight:800}
.e p{margin:2px 0 0;color:var(--muted);font-size:.94rem}
.faq details{border:1px solid var(--line);border-radius:16px;margin-bottom:12px;background:#fff;transition:.2s}.faq details[open]{box-shadow:0 10px 30px -20px rgba(11,42,94,.35)}
.faq summary{cursor:pointer;list-style:none;padding:18px 22px;font-weight:700;color:var(--navy);display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";font-size:1.4rem;line-height:1;color:var(--green)}.faq details[open] summary:after{content:"–"}
.faq p{padding:0 22px 18px;margin:0;color:var(--muted)}
.apply{background:radial-gradient(70% 80% at 0% 0%,rgba(90,166,60,.25),transparent 60%),linear-gradient(160deg,var(--navy),var(--navy-dd));color:#fff}
.apply h2{color:#fff}.apply-copy p{color:#d0dbef;font-size:1.08rem}
.apply-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
.contact-box{display:grid;gap:12px;margin-top:10px}.contact-box a{display:block;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:16px;padding:14px 18px;color:#fff;text-decoration:none}
.contact-box small{display:block;color:#b9c7e0}.contact-box b{font-size:1.15rem}
.form{background:#fff;color:var(--ink);border-radius:28px;padding:32px;box-shadow:0 40px 80px -30px rgba(0,0,0,.5)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:16px}.f.full{grid-column:1/-1}
.f label{display:block;font-weight:600;font-size:.88rem;margin-bottom:6px;color:var(--navy)}
.f input,.f select,.f textarea{width:100%;font:inherit;padding:12px 14px;border:1.5px solid var(--line);border-radius:12px;background:#fbfcfe;transition:.15s}
.f input:focus,.f select:focus,.f textarea:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 4px rgba(90,166,60,.15);background:#fff}
.f .err{border-color:#e05252}
.hp{position:absolute;left:-9999px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.88rem;color:var(--muted);margin:18px 0}
.form-msg{margin:14px 0 0;font-weight:600;text-align:center}.form-msg.ok{color:var(--green-d)}.form-msg.bad{color:#c53030}
.foot{background:var(--navy-dd);color:#b9c7e0;padding:64px 0 28px;font-size:.94rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}.foot h4{color:#fff;margin:0 0 12px}
.foot a{color:#d6e0f2;text-decoration:none;display:block;margin-bottom:8px}.foot a:hover{color:#9be07c}.foot .brand img{height:36px;margin-bottom:14px}
.legal{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:24px;font-size:.82rem;color:#8ea0bf}
.float-call{display:none}
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}.reveal.in{opacity:1;transform:none}
@media (max-width:1024px){.links{display:none}.cards{grid-template-columns:1fr 1fr}.trust{grid-template-columns:1fr 1fr}}
@media (max-width:900px){.hero-grid,.split,.calc-grid,.apply-grid,.elig-split{grid-template-columns:1fr;gap:36px}.steps{grid-template-columns:1fr}.foot-grid{grid-template-columns:1fr}.hero{min-height:auto;padding-top:110px}}
@media (max-width:600px){.sec{padding:68px 0}.cards,.elig,.grid2,.trust{grid-template-columns:1fr}.phone span{display:none}.nav-cta .btn-sm{display:none}
 .hc-rate,.result{grid-template-columns:1fr 1fr 1fr;gap:6px}.result b{font-size:1.05rem}.form,.calc{padding:22px}.big{font-size:2.1rem}
 .float-call{display:flex;align-items:center;gap:6px;position:fixed;right:16px;bottom:16px;z-index:60;background:var(--green);color:#fff;font-weight:700;padding:12px 18px;border-radius:999px;text-decoration:none;box-shadow:0 12px 30px -8px rgba(0,0,0,.45)}}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}.hero-video{display:none}.reveal{opacity:1;transform:none}}