/* ===================================================
   QUICK FUNDING — Design System v2
   Brand blue: #1EAAEC | Navy: #0D1B2A
   Font: Plus Jakarta Sans + Inter
   =================================================== */

@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&family=Inter:wght@300;400;500;600;700;800;900&display=swap');

:root {
  --blue:        #1EAAEC;
  --blue-dark:   #0E8FCC;
  --blue-deeper: #0A72A8;
  --blue-light:  #E8F6FD;
  --blue-pale:   #F0FAFF;
  --navy:        #0D1B2A;
  --navy-700:    #162436;
  --navy-600:    #1E3148;
  --black-text:  #111827;
  --gray-700:    #374151;
  --gray-500:    #6B7280;
  --gray-400:    #9CA3AF;
  --gray-200:    #E5E7EB;
  --gray-100:    #F3F4F6;
  --white:       #FFFFFF;
  --success:     #10B981;
  --success-bg:  #ECFDF5;
  --error:       #EF4444;
  --error-bg:    #FEF2F2;

  --font-head: 'Plus Jakarta Sans', -apple-system, sans-serif;
  --font:      'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --s1:.25rem; --s2:.5rem; --s3:.75rem; --s4:1rem; --s5:1.25rem;
  --s6:1.5rem; --s8:2rem; --s10:2.5rem; --s12:3rem;
  --s16:4rem; --s20:5rem; --s24:6rem;

  --r-sm:6px; --r-md:12px; --r-lg:16px; --r-xl:24px; --r-full:9999px;

  --shadow-xs:0 1px 2px rgba(0,0,0,.05);
  --shadow-sm:0 1px 4px rgba(0,0,0,.07),0 0 0 1px rgba(0,0,0,.03);
  --shadow-md:0 4px 16px rgba(0,0,0,.10);
  --shadow-lg:0 8px 32px rgba(0,0,0,.13);
  --shadow-xl:0 20px 60px rgba(0,0,0,.16);
  --shadow-blue:0 6px 24px rgba(30,170,236,.35);

  --t:200ms cubic-bezier(.4,0,.2,1);
  --max-w:1200px;
  --nav-h:74px;
}

/* ── Reset ── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:var(--font);color:var(--black-text);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
ul{list-style:none}
button,input,select,textarea{font-family:inherit;font-size:inherit}

h1,h2,h3,h4{font-family:var(--font-head)}
h1{font-size:clamp(2rem,5vw,3.375rem);font-weight:800;line-height:1.1;letter-spacing:-.03em}
h2{font-size:clamp(1.5rem,3vw,2.375rem);font-weight:700;line-height:1.2;letter-spacing:-.025em}
h3{font-size:1.25rem;font-weight:700;line-height:1.35}
h4{font-size:1rem;font-weight:600}
p{line-height:1.7}

/* ── Layout ── */
.container{width:100%;max-width:var(--max-w);margin:0 auto;padding:0 var(--s6)}
.section{padding:var(--s20) 0}

/* ── Buttons ── */
.btn{display:inline-flex;align-items:center;gap:var(--s2);padding:.75rem 1.75rem;border-radius:var(--r-full);font-family:var(--font-head);font-weight:700;font-size:.9375rem;cursor:pointer;border:2px solid transparent;transition:all var(--t);white-space:nowrap;text-decoration:none;letter-spacing:.01em}
.btn-primary{background:var(--blue);color:#fff;border-color:var(--blue);box-shadow:var(--shadow-blue)}
.btn-primary:hover{background:var(--blue-dark);border-color:var(--blue-dark);transform:translateY(-2px);box-shadow:0 8px 28px rgba(30,170,236,.45)}
.btn-outline{background:transparent;color:var(--blue);border-color:var(--blue)}
.btn-outline:hover{background:var(--blue-light);transform:translateY(-1px)}
.btn-white{background:#fff;color:var(--blue);border-color:#fff;box-shadow:var(--shadow-md)}
.btn-white:hover{background:var(--blue-light);transform:translateY(-2px)}
.btn-outline-white{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn-outline-white:hover{background:rgba(255,255,255,.12);border-color:#fff}
.btn-lg{padding:1rem 2.25rem;font-size:1rem}
.btn-sm{padding:.5rem 1.25rem;font-size:.875rem}
.btn-block{width:100%;justify-content:center}

/* ── Topbar ── */
.topbar{background:var(--navy);color:rgba(255,255,255,.75);padding:.5rem 0;font-size:.8125rem}
.topbar-inner{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:var(--s2)}
.topbar-item{display:flex;align-items:center;gap:var(--s2)}
.topbar-item a{color:rgba(255,255,255,.75);transition:color var(--t)}
.topbar-item a:hover{color:#fff}
.topbar-items{display:flex;gap:var(--s6)}

/* ── Navbar ── */
.nav{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);border-bottom:1px solid var(--gray-200);height:var(--nav-h);transition:box-shadow var(--t)}
.nav.scrolled{box-shadow:var(--shadow-md)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:var(--nav-h)}
.nav-logo-img{height:44px;width:auto}
.nav-links{display:flex;align-items:center;gap:var(--s1)}
.nav-link{padding:.5rem var(--s4);border-radius:var(--r-full);font-family:var(--font-head);font-weight:600;font-size:.9375rem;color:var(--gray-700);transition:all var(--t);position:relative}
.nav-link:hover,.nav-link.active{color:var(--blue)}
.nav-link.active::after{content:'';position:absolute;bottom:-4px;left:var(--s4);right:var(--s4);height:2.5px;background:var(--blue);border-radius:2px}
.nav-cta{margin-left:var(--s4)}
.nav-hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:var(--s2);border:none;background:none;border-radius:var(--r-sm)}
.nav-hamburger span{display:block;width:22px;height:2.5px;background:var(--navy);border-radius:2px;transition:all .3s cubic-bezier(.4,0,.2,1)}
.nav-hamburger.open span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
.nav-hamburger.open span:nth-child(2){opacity:0;transform:scaleX(0)}
.nav-hamburger.open span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}

/* ── Mobile drawer ── */
.mob-overlay{display:none;position:fixed;inset:0;background:rgba(13,27,42,.55);backdrop-filter:blur(3px);z-index:149;opacity:0;transition:opacity .3s ease}
.mob-overlay.active{display:block;opacity:1}
.mob-nav{position:fixed;top:0;right:0;width:min(320px,88vw);height:100dvh;background:#fff;z-index:150;display:flex;flex-direction:column;transform:translateX(100%);transition:transform .35s cubic-bezier(.4,0,.2,1);box-shadow:-8px 0 48px rgba(0,0,0,.18)}
.mob-nav.open{transform:translateX(0)}
.mob-nav-head{display:flex;align-items:center;justify-content:space-between;padding:1.25rem 1.5rem;border-bottom:1px solid var(--gray-200)}
.mob-close{background:none;border:none;cursor:pointer;color:var(--gray-500);padding:.3rem;border-radius:6px;transition:color .2s,background .2s}
.mob-close:hover{color:var(--blue);background:var(--blue-light)}
.mob-links{flex:1;display:flex;flex-direction:column;padding:1rem 0;overflow-y:auto}
.mob-link{display:block;padding:.875rem 1.5rem;font-family:var(--font-head);font-size:1.0625rem;font-weight:600;color:var(--gray-700);border-left:3px solid transparent;transition:all .2s}
.mob-link:hover,.mob-link.active{color:var(--blue);border-left-color:var(--blue);background:var(--blue-light)}
.mob-footer{padding:1.25rem 1.5rem;border-top:1px solid var(--gray-200);display:flex;flex-direction:column;gap:1rem}
.mob-contact{display:flex;flex-direction:column;gap:.4rem}
.mob-contact a{font-size:.875rem;color:var(--gray-500);transition:color .2s}
.mob-contact a:hover{color:var(--blue)}

/* ── Flash ── */
.flash-messages{position:fixed;top:calc(var(--nav-h) + var(--s4));right:var(--s6);z-index:200;display:flex;flex-direction:column;gap:var(--s3);max-width:420px}
.flash{padding:var(--s4) var(--s5);border-radius:var(--r-md);font-size:.9375rem;font-weight:500;box-shadow:var(--shadow-lg);display:flex;align-items:flex-start;gap:var(--s3);animation:slideIn .3s ease}
.flash-success{background:var(--success-bg);color:#065F46;border:1px solid #A7F3D0}
.flash-error{background:var(--error-bg);color:#B91C1C;border:1px solid #FECACA}
.flash-close{margin-left:auto;cursor:pointer;opacity:.6;font-size:1.2rem;line-height:1;border:none;background:none;color:inherit;transition:opacity .2s}
.flash-close:hover{opacity:1}

/* ── Section header ── */
.section-header{text-align:center;max-width:640px;margin:0 auto var(--s12)}
.eyebrow{display:inline-block;color:var(--blue);font-family:var(--font-head);font-size:.8125rem;font-weight:700;text-transform:uppercase;letter-spacing:.12em;margin-bottom:var(--s3)}
.section-header h2{margin-bottom:var(--s3)}
.section-header p{color:var(--gray-500);font-size:1.0625rem}

/* ── Page hero (inner pages) ── */
.page-hero{position:relative;min-height:420px;display:flex;align-items:center;text-align:center;overflow:hidden}
.page-hero-bg{position:absolute;inset:0;background-size:cover;background-position:center;background-repeat:no-repeat}
.page-hero-bg::after{content:'';position:absolute;inset:0;background:linear-gradient(135deg,rgba(13,27,42,.82) 0%,rgba(13,27,42,.65) 100%)}
.page-hero-content{position:relative;z-index:1;padding:var(--s16) 0 var(--s20);width:100%}
.page-hero h1{color:#fff;margin-bottom:var(--s4)}
.page-hero p{color:rgba(255,255,255,.8);font-size:1.125rem;max-width:580px;margin:0 auto var(--s8)}
.page-hero-wave{position:absolute;bottom:-1px;left:0;right:0;z-index:2}

/* ── Feature list ── */
.feature-list{display:flex;flex-direction:column;gap:var(--s3)}
.feature-item{display:flex;align-items:flex-start;gap:var(--s3)}
.feature-check{width:22px;height:22px;background:var(--blue-light);color:var(--blue);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px}

/* ── Steps ── */
.steps-row{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--s6)}
.step-card{text-align:center;padding:var(--s8) var(--s6);background:#fff;border-radius:var(--r-xl);border:1px solid var(--gray-200);transition:all var(--t)}
.step-card:hover{box-shadow:var(--shadow-lg);border-color:var(--blue);transform:translateY(-4px)}
.step-num{width:58px;height:58px;background:var(--blue);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:800;font-size:1.25rem;margin:0 auto var(--s5);box-shadow:var(--shadow-blue)}
.step-card h3{margin-bottom:var(--s2)}
.step-card p{color:var(--gray-500);font-size:.9375rem}

/* ── Stats band ── */
.stats-band{background:linear-gradient(135deg,var(--blue) 0%,var(--blue-dark) 100%);padding:var(--s16) 0}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--s6);text-align:center}
.stat-val{font-size:clamp(2rem,4vw,2.875rem);font-weight:800;color:#fff;letter-spacing:-.03em;line-height:1;margin-bottom:var(--s2);font-family:var(--font-head)}
.stat-label{color:rgba(255,255,255,.78);font-size:.9375rem;font-weight:500}

/* ── Eligibility cards ── */
.elig-grid{display:grid;grid-template-columns:1fr 1fr;gap:var(--s5)}
.elig-card{padding:var(--s5);background:var(--blue-pale);border:1px solid var(--blue-light);border-radius:var(--r-lg);display:flex;align-items:flex-start;gap:var(--s4);transition:all var(--t)}
.elig-card:hover{box-shadow:var(--shadow-md);border-color:var(--blue)}
.elig-icon{width:44px;height:44px;background:var(--blue);color:#fff;border-radius:var(--r-md);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.elig-text h4{margin-bottom:var(--s1)}
.elig-text p{font-size:.875rem;color:var(--gray-500)}

/* ── CTA strip ── */
.cta-strip{background:linear-gradient(135deg,var(--navy) 0%,#0e2d55 100%);padding:var(--s16) 0;text-align:center;position:relative;overflow:hidden}
.cta-strip::before{content:'';position:absolute;top:-120px;right:-120px;width:400px;height:400px;background:radial-gradient(circle,rgba(30,170,236,.15) 0%,transparent 70%)}
.cta-strip h2{color:#fff;margin-bottom:var(--s3)}
.cta-strip p{color:rgba(255,255,255,.8);font-size:1.0625rem;margin-bottom:var(--s8);max-width:520px;margin-left:auto;margin-right:auto}
.cta-strip-btns{display:flex;gap:var(--s4);justify-content:center;flex-wrap:wrap}

/* ── Calculator ── */
.calc-wrap{background:#fff;border:1px solid var(--gray-200);border-radius:var(--r-xl);box-shadow:var(--shadow-lg);overflow:hidden}
.calc-header{background:linear-gradient(135deg,var(--navy),var(--navy-600));padding:var(--s6) var(--s8);color:#fff}
.calc-header h3{font-size:1.15rem;margin-bottom:var(--s1)}
.calc-header p{font-size:.8125rem;color:rgba(255,255,255,.6)}
.calc-body{padding:var(--s6) var(--s8)}
.slider-group{margin-bottom:var(--s6)}
.slider-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:var(--s3)}
.slider-label{font-size:.875rem;font-weight:600;color:var(--gray-700)}
.slider-val{font-size:1rem;font-weight:800;color:var(--blue)}
.range-slider{width:100%;height:6px;border-radius:var(--r-full);background:var(--gray-200);outline:none;appearance:none;cursor:pointer;accent-color:var(--blue)}
.range-slider::-webkit-slider-thumb{appearance:none;width:22px;height:22px;border-radius:50%;background:var(--blue);box-shadow:0 2px 8px rgba(30,170,236,.4);cursor:pointer;border:3px solid #fff;transition:transform var(--t)}
.range-slider::-webkit-slider-thumb:hover{transform:scale(1.2)}
.slider-range-labels{display:flex;justify-content:space-between;font-size:.75rem;color:var(--gray-400);margin-top:var(--s2)}
.term-presets{display:flex;gap:var(--s2);flex-wrap:wrap;margin-top:var(--s3)}
.term-preset{padding:.35rem .875rem;border:1.5px solid var(--gray-200);border-radius:var(--r-full);font-size:.8125rem;font-weight:700;cursor:pointer;background:#fff;color:var(--gray-500);transition:all var(--t)}
.term-preset:hover{border-color:var(--blue);color:var(--blue)}
.term-preset.active{background:var(--blue);border-color:var(--blue);color:#fff}
.calc-result{background:linear-gradient(135deg,var(--navy),var(--navy-600));border-radius:var(--r-lg);padding:var(--s6);margin-top:var(--s4);text-align:center}
.calc-result-label{font-size:.8125rem;color:rgba(255,255,255,.6);margin-bottom:var(--s2);font-weight:600;text-transform:uppercase;letter-spacing:.06em}
.calc-result-amount{font-size:2.5rem;font-weight:900;color:#fff;letter-spacing:-.03em;font-family:var(--font-head)}
.calc-result-freq{font-size:.8125rem;color:rgba(255,255,255,.5);margin-top:var(--s1);margin-bottom:var(--s4)}
.calc-stats{display:grid;grid-template-columns:1fr 1fr;gap:var(--s4);margin-bottom:var(--s4)}
.calc-stat-label{font-size:.75rem;color:rgba(255,255,255,.5);margin-bottom:var(--s1);font-weight:600}
.calc-stat-val{font-size:1.1rem;font-weight:800;color:#fff;font-family:var(--font-head)}
.calc-stat-val.accent{color:var(--blue)}
.calc-disclaimer{font-size:.75rem;color:rgba(255,255,255,.4);margin-bottom:var(--s4);line-height:1.5}
.calc-cta a{display:block;background:var(--blue);color:#fff;padding:.875rem;border-radius:var(--r-md);font-weight:700;font-size:.9375rem;text-align:center;transition:background var(--t),transform var(--t);font-family:var(--font-head)}
.calc-cta a:hover{background:var(--blue-dark);transform:translateY(-2px)}

/* ── Forms ── */
.form-group{margin-bottom:var(--s5)}
.form-label{display:block;font-size:.875rem;font-weight:600;color:var(--black-text);margin-bottom:var(--s2)}
.form-label .req{color:var(--error);margin-left:2px}
.form-control{width:100%;padding:.75rem var(--s4);border:1.5px solid var(--gray-200);border-radius:var(--r-md);background:#fff;color:var(--black-text);font-size:.9375rem;transition:border-color var(--t),box-shadow var(--t);outline:none;appearance:none}
.form-control:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(30,170,236,.12)}
.form-control.is-error{border-color:var(--error)}
.form-error-msg{font-size:.8125rem;color:var(--error);margin-top:var(--s1)}
select.form-control{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%236B7280' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;padding-right:2.5rem}
textarea.form-control{resize:vertical;min-height:100px}
.form-check{display:flex;align-items:flex-start;gap:var(--s3);cursor:pointer;margin-bottom:var(--s3)}
.form-check input[type=checkbox]{width:18px;height:18px;flex-shrink:0;margin-top:2px;border:1.5px solid var(--gray-200);border-radius:4px;accent-color:var(--blue);cursor:pointer}
.form-check-label{font-size:.9rem;line-height:1.5;color:var(--gray-500)}
.radio-group{display:flex;gap:var(--s2);flex-wrap:wrap}
.radio-pill input[type=radio]{display:none}
.radio-pill label{display:inline-flex;align-items:center;padding:.5rem 1rem;border-radius:var(--r-full);border:1.5px solid var(--gray-200);font-size:.875rem;font-weight:600;cursor:pointer;transition:all var(--t);background:#fff;color:var(--gray-500)}
.radio-pill input[type=radio]:checked + label{background:var(--blue);border-color:var(--blue);color:#fff;box-shadow:var(--shadow-blue)}

/* ── Footer ── */
footer.footer{background:#040f1c}
.footer-top{background:linear-gradient(160deg,#050f1e 0%,#0a1d3a 40%,#071628 70%,#040f1c 100%);padding:var(--s16) 0 var(--s12);position:relative;overflow:hidden}
.footer-top::before{content:'';position:absolute;top:-60px;right:-80px;width:420px;height:420px;background:radial-gradient(circle,rgba(30,170,236,.08) 0%,transparent 70%);pointer-events:none}
.footer-top::after{content:'';position:absolute;bottom:-40px;left:-60px;width:300px;height:300px;background:radial-gradient(circle,rgba(30,170,236,.05) 0%,transparent 70%);pointer-events:none}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:var(--s8);padding-bottom:var(--s12);border-bottom:1px solid rgba(30,170,236,.15)}
.footer-brand p{font-size:.875rem;line-height:1.8;max-width:280px;margin-top:var(--s4);color:rgba(255,255,255,.5)}
.footer-logo{height:36px;margin-bottom:var(--s4)}
.footer-col h4{color:var(--blue);font-size:.8125rem;font-weight:700;margin-bottom:var(--s5);text-transform:uppercase;letter-spacing:.1em}
.footer-col ul{display:flex;flex-direction:column;gap:var(--s3)}
.footer-col ul li a{font-size:.875rem;color:rgba(255,255,255,.45);transition:color var(--t)}
.footer-col ul li a:hover{color:var(--blue)}
.footer-contact-item{display:flex;align-items:flex-start;gap:var(--s3);font-size:.875rem;margin-bottom:var(--s4);color:rgba(255,255,255,.5)}
.footer-contact-item svg{color:var(--blue);flex-shrink:0;margin-top:2px}
.footer-contact-item a{color:rgba(255,255,255,.5);transition:color var(--t)}
.footer-contact-item a:hover{color:var(--blue)}
.footer-badges{display:flex;gap:var(--s3);flex-wrap:wrap;margin-top:var(--s4)}
.footer-badge{padding:.3rem .75rem;border:1px solid rgba(30,170,236,.3);border-radius:var(--r-sm);font-size:.75rem;font-weight:600;color:rgba(30,170,236,.9);background:rgba(30,170,236,.08)}
.footer-bottom{background:#020b16;padding:var(--s6) 0;border-top:1px solid rgba(30,170,236,.1)}
.footer-bottom-row{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:var(--s4);margin-bottom:var(--s4)}
.footer-bottom-row p{font-size:.8rem;color:rgba(255,255,255,.3)}
.footer-legal{display:flex;gap:var(--s5);flex-wrap:wrap}
.footer-legal a{font-size:.8125rem;color:rgba(255,255,255,.32);transition:color var(--t)}
.footer-legal a:hover{color:var(--blue)}
.footer-disclaimer{font-size:.75rem;line-height:1.6;color:rgba(255,255,255,.24)}

/* ── Image utilities ── */
.img-cover{width:100%;height:100%;object-fit:cover}
.img-rounded{border-radius:var(--r-xl)}
.img-shadow{box-shadow:var(--shadow-xl)}

/* ── Animations ── */
@keyframes slideIn{from{opacity:0;transform:translateX(20px)}to{opacity:1;transform:translateX(0)}}
@keyframes fadeUp{from{opacity:0;transform:translateY(28px)}to{opacity:1;transform:translateY(0)}}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(30,170,236,.4)}70%{box-shadow:0 0 0 14px rgba(30,170,236,0)}100%{box-shadow:0 0 0 0 rgba(30,170,236,0)}}
@keyframes spin{to{transform:rotate(360deg)}}
.fade-up{animation:fadeUp .65s ease both}

/* ── Responsive ── */
@media(max-width:1100px){.footer-grid{grid-template-columns:1fr 1fr}.footer-brand{grid-column:1/-1}}
@media(max-width:900px){.steps-row{grid-template-columns:1fr}.stats-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:768px){.nav-links{display:none}.nav-hamburger{display:flex}.topbar-items{display:none}}
@media(max-width:640px){.footer-grid{grid-template-columns:1fr}.cta-strip-btns{flex-direction:column;align-items:center}}
@media(max-width:480px){.stats-grid{grid-template-columns:1fr 1fr}:root{--s6:1rem}}