:root{--deep:#0B2E3A;--deep-2:#071F28;--steel:#2F5D6B;--plat:#EFF3F0;--ink:#08222C;--flag:#FF5A1F;--flag-lite:#FF7A45;--flag-ink:#C2410C;--line:#C9D5D1;--muted:#42575F;--soft:#BFD2D6;--rule-dark:#1F4A59}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Public Sans',system-ui,sans-serif;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased;line-height:1.55}
h1,h2,h3{font-family:'Big Shoulders Display','Arial Narrow',Impact,sans-serif;margin:0;font-weight:800;letter-spacing:0}
p{margin:0}
a{color:inherit;text-decoration:none}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--flag-ink);outline-offset:3px}
.site-header a:focus-visible,.site-header button:focus-visible,.hero a:focus-visible,.pagehead a:focus-visible,.sec-navy a:focus-visible,.site-footer a:focus-visible{outline-color:var(--flag-lite)}
.cta a:focus-visible{outline-color:var(--ink)}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:8px;background:var(--flag);color:var(--ink);padding:10px 16px;border-radius:2px;font-weight:700;z-index:50}
.skip:focus{left:8px}

/* drafting-grid backgrounds */
.hero,.pagehead,.sec-navy{background-color:var(--deep);background-image:linear-gradient(rgba(255,255,255,.055) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.055) 1px,transparent 1px);background-size:56px 56px;background-position:-1px -1px}
.sec-paper{background-color:var(--plat);background-image:linear-gradient(rgba(11,46,58,.06) 1px,transparent 1px),linear-gradient(90deg,rgba(11,46,58,.06) 1px,transparent 1px);background-size:56px 56px;background-position:-1px -1px}

/* header */
.site-header{background:var(--deep);color:#fff;position:sticky;top:0;z-index:40;border-bottom:1px solid var(--rule-dark)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px}
.brand{display:flex;align-items:center;gap:10px;font-family:'Big Shoulders Display','Arial Narrow',Impact,sans-serif;font-weight:800;font-size:30px;letter-spacing:.01em;line-height:1}
.brand span{font-weight:700;color:var(--soft)}
.nav{display:flex;align-items:center;gap:4px;font-weight:600;font-size:15px}
.nav a.link{padding:10px 14px;border-radius:2px;color:#D3E1E4}
.nav a.link:hover{color:#fff;background:#14404F}
.nav a.link[aria-current=page]{color:#fff;box-shadow:inset 0 -3px 0 var(--flag)}
.btn{display:inline-block;padding:14px 26px;border-radius:2px;font-family:'Public Sans',Arial,sans-serif;font-weight:700;font-size:16px;min-height:44px;border:2px solid transparent;cursor:pointer;transition:background .15s,color .15s,border-color .15s}
.btn-gold{background:var(--flag);color:var(--ink)}
.btn-gold:hover{background:var(--flag-lite)}
.btn-line{border-color:#5E8794;color:#fff}
.btn-line:hover{border-color:#fff}
.btn-dark{border-color:var(--ink);color:var(--ink)}
.btn-dark:hover{background:var(--ink);color:#fff}
.nav .btn{padding:10px 20px;margin-left:10px}
.menu-btn{display:none;background:none;border:2px solid #5E8794;color:#fff;border-radius:2px;min-height:44px;padding:0 14px;font:700 15px 'Public Sans',Arial,sans-serif;cursor:pointer}
@media(max-width:860px){
.menu-btn{display:block}
.nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--deep);flex-direction:column;align-items:stretch;padding:12px 24px 24px;border-bottom:1px solid var(--rule-dark)}
.nav.open{display:flex}
.nav a.link[aria-current=page]{box-shadow:inset 4px 0 0 var(--flag)}
.nav .btn{margin:10px 0 0;text-align:center}
}

/* hero */
.hero{color:#fff;position:relative;overflow:hidden}
.hero .wrap{max-width:1240px;display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;padding-top:80px;padding-bottom:104px;position:relative}
.hero h1{font-size:clamp(50px,6.6vw,88px);line-height:.94;margin:0 0 28px}
.hero p.lead{font-size:20px;line-height:1.55;color:var(--soft);max-width:540px}
.hero .actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:36px}
.arch{position:absolute;left:-60px;bottom:-24px;width:920px;max-width:none;color:var(--flag-lite);opacity:.1;pointer-events:none}
@media(max-width:960px){.hero .wrap{grid-template-columns:1fr;padding-top:56px;padding-bottom:72px}.arch{width:620px}}

/* plat figure (hero) */
.sheet{position:relative;border:1px solid var(--steel);background:rgba(7,31,40,.55);padding:22px 22px 8px;border-radius:2px}
.sheet svg{display:block;width:100%;height:auto}
.sheet figcaption{font-size:14px;line-height:1.5;color:var(--soft);margin:10px 0 18px;max-width:420px}
.sheet dl{margin:0;border-top:1px solid var(--rule-dark)}
.sheet .row{display:flex;justify-content:space-between;gap:20px;padding:12px 0;border-bottom:1px solid var(--rule-dark);font-size:15px}
.sheet .row:last-child{border-bottom:0}
.sheet dt{color:var(--soft)}
.sheet dd{margin:0;font-weight:700;text-align:right}
.plat-text{font-family:'Public Sans',Arial,sans-serif}
.plat-big{font-family:'Big Shoulders Display','Arial Narrow',Impact,sans-serif;font-weight:800}
.draw{stroke-dasharray:1;animation:draw 1.1s ease-out both}
.rise{transform-box:fill-box;transform-origin:50% 100%;animation:rise .9s cubic-bezier(.2,.7,.2,1) .9s both}
.stake{animation:fadein .4s ease-out 1.1s both}
@keyframes draw{from{stroke-dashoffset:1}to{stroke-dashoffset:0}}
@keyframes rise{from{transform:scaleY(0)}to{transform:scaleY(1)}}
@keyframes fadein{from{opacity:0}to{opacity:1}}
@media(prefers-reduced-motion:reduce){.draw,.rise,.stake{animation:none}}

/* sections */
.sec{padding:104px 0}
.sec-navy{color:#fff}
.sec-tight{padding:64px 0}
.h2{font-size:clamp(38px,5vw,64px);line-height:.98;margin:0 0 18px;max-width:760px}
.sub{font-size:18px;line-height:1.65;color:var(--muted);max-width:620px}
.sec-navy .sub{color:var(--soft)}
.grid{display:grid;gap:20px;margin-top:48px}
.g4{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.g3{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.g2{grid-template-columns:repeat(auto-fit,minmax(320px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:2px;padding:30px 28px 28px;position:relative}
.card::before{content:"";position:absolute;left:-1px;top:-1px;width:36px;height:4px;background:var(--flag)}
.card h3{font-size:30px;line-height:1.05;margin-bottom:10px}
.card p{line-height:1.6;color:var(--muted)}
.card.on-deep{background:#0F3F4F;border-color:var(--steel)}
.card.on-deep h3{color:#fff}
.card.on-deep p{color:var(--soft)}

/* program index (home) */
.index{margin-top:48px;border-bottom:1.5px solid var(--ink)}
.prog{display:grid;grid-template-columns:minmax(220px,1fr) 1.4fr auto;gap:32px;align-items:baseline;padding:30px 20px 30px 0;border-top:1.5px solid var(--ink);position:relative;transition:background .15s,padding .15s}
.prog::before{content:"";position:absolute;left:0;top:-1.5px;height:4px;width:0;background:var(--flag);transition:width .2s}
.prog:hover{background:rgba(255,255,255,.75);padding-left:20px}
.prog:hover::before{width:100%}
.prog .pn{font-family:'Big Shoulders Display','Arial Narrow',Impact,sans-serif;font-weight:800;font-size:clamp(32px,4vw,46px);line-height:1}
.prog .pd{color:var(--muted);line-height:1.55;max-width:460px}
.prog .pm{font-weight:700;color:var(--flag-ink);border-bottom:2px solid var(--flag);white-space:nowrap}
@media(max-width:760px){.prog{grid-template-columns:1fr;gap:10px;padding-right:0}.prog .pm{justify-self:start}}

/* steps (home) */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:32px;margin-top:56px;counter-reset:s}
.step{position:relative;padding-top:20px;border-top:3px solid var(--ink);counter-increment:s}
.step::after{content:"";position:absolute;left:0;top:-3px;width:56px;height:3px;background:var(--flag)}
.step::before{content:counter(s);display:block;font:800 64px/1 'Big Shoulders Display','Arial Narrow',Impact,sans-serif;color:var(--flag-ink);margin-bottom:14px}
.step h3{font-size:28px;line-height:1.05;margin-bottom:10px}
.step p{line-height:1.6;color:var(--muted)}

/* tall steps (process page) */
.tl{margin-top:32px;max-width:860px;counter-reset:t}
.tl .item{display:grid;grid-template-columns:96px 1fr;gap:20px;padding:34px 0 38px;border-top:1.5px solid var(--ink);counter-increment:t}
.tl .item::before{content:counter(t);font:800 76px/.9 'Big Shoulders Display','Arial Narrow',Impact,sans-serif;color:var(--flag-ink)}
.tl .item:last-child{border-bottom:1.5px solid var(--ink)}
.tl h3{font-size:36px;line-height:1.02;margin-bottom:10px}
.tl p,.tl li{line-height:1.65;color:var(--muted)}
.tl ul{margin:12px 0 0;padding-left:20px}
@media(max-width:560px){.tl .item{grid-template-columns:1fr;gap:6px}.tl .item::before{font-size:56px}}

/* split rows */
.split{display:flex;flex-wrap:wrap;gap:64px}
.split>div{flex:1 1 320px}
.point{padding:28px 0;border-bottom:1px solid var(--steel)}
.point:first-child{padding-top:0}
.point:last-child{border-bottom:0;padding-bottom:0}
.point h3{font-size:32px;line-height:1.05;margin-bottom:8px}
.point p{line-height:1.6;color:var(--soft)}

/* page head */
.pagehead{color:#fff;position:relative;overflow:hidden}
.pagehead .arch{left:auto;right:-40px;bottom:-30px;width:600px;opacity:.14}
.pagehead .wrap{padding-top:64px;padding-bottom:80px;position:relative}
.pagehead h1{font-size:clamp(46px,6.2vw,84px);line-height:.95;max-width:800px;margin-bottom:20px}
.pagehead p{font-size:19px;line-height:1.6;color:var(--soft);max-width:600px}
.pagehead .crumbs{font-size:15px;color:#8FB0B8;margin-bottom:20px}
.crumbs a:hover{color:#fff}

/* loan detail blocks */
.loan{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;padding:56px 0;border-bottom:1.5px solid var(--ink);scroll-margin-top:90px;align-items:start}
.loan:last-of-type{border-bottom:0}
.loan h2{font-size:clamp(40px,5vw,60px);line-height:.98;margin-bottom:16px}
.loan p{line-height:1.65;color:var(--muted);font-size:18px}
.loan .facts{background:var(--deep);color:#fff;border-radius:2px;padding:28px 28px 22px}
.loan .facts h3{font-size:26px;color:var(--flag-lite);margin-bottom:8px}
.loan .facts ul{margin:0;padding:0;list-style:none}
.loan .facts li{padding:12px 0 12px 30px;border-bottom:1px solid var(--rule-dark);position:relative;color:#E4EEF0}
.loan .facts li:last-child{border-bottom:0}
.loan .facts li::before{content:"";position:absolute;left:2px;top:18px;width:13px;height:7px;border-left:3px solid var(--flag);border-bottom:3px solid var(--flag);transform:rotate(-45deg)}
@media(max-width:800px){.loan{grid-template-columns:1fr;gap:26px}}

/* FAQ */
.faq{max-width:840px;margin-top:8px;border-bottom:1.5px solid var(--ink)}
.faq details{border-top:1.5px solid var(--ink)}
.faq summary{list-style:none;cursor:pointer;padding:24px 44px 24px 0;font:700 19px 'Public Sans',Arial,sans-serif;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:6px;top:18px;font-size:30px;color:var(--flag-ink);font-weight:600;line-height:1.2}
.faq details[open] summary::after{content:"\2013"}
.faq details[open] summary{color:var(--flag-ink)}
.faq details p{padding:0 0 26px;line-height:1.7;color:var(--muted);max-width:700px}

/* CTA band */
.cta{background:var(--flag);color:var(--ink);background-image:linear-gradient(rgba(8,34,44,.09) 1px,transparent 1px),linear-gradient(90deg,rgba(8,34,44,.09) 1px,transparent 1px);background-size:56px 56px;background-position:-1px -1px}
.cta .wrap{display:flex;flex-wrap:wrap;gap:28px;align-items:center;justify-content:space-between;padding-top:72px;padding-bottom:72px}
.cta h2{font-size:clamp(40px,5vw,64px);max-width:620px;line-height:.98}
.cta p{margin-top:12px;font-size:18px;font-weight:600}
.cta .btn-gold{background:var(--ink);color:#fff}
.cta .btn-gold:hover{background:var(--deep)}
.cta .btn-line{border-color:var(--ink);color:var(--ink)}
.cta .btn-line:hover{background:var(--ink);color:#fff}

/* contact */
.contact{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
@media(max-width:900px){.contact{grid-template-columns:1fr}}
.card .list{margin:18px 0 0;padding-left:20px;line-height:1.8;color:var(--ink)}
.card .list li{padding-left:4px}
.side .card{margin-bottom:20px}
.side h3{font-size:28px;margin-bottom:6px}
.side a.big{font-size:19px;overflow-wrap:anywhere;font-weight:700;border-bottom:2px solid var(--flag)}

/* footer */
.site-footer{background:var(--deep-2);color:#9FB8BF;padding:64px 0 36px}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px}
@media(max-width:800px){.fgrid{grid-template-columns:1fr}}
.fbrand{font:800 30px/1 'Big Shoulders Display','Arial Narrow',Impact,sans-serif;color:#fff}
.site-footer h4{font:700 15px 'Public Sans',Arial,sans-serif;color:#fff;margin:0 0 14px}
.site-footer a:hover{color:#fff}
.site-footer ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}
.site-footer .legal{font-size:14px;line-height:1.6;max-width:480px;margin-top:14px}
.copy{border-top:1px solid var(--rule-dark);margin-top:40px;padding-top:20px;font-size:14px}

@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}