*{box-sizing:border-box}
html{scroll-behavior:smooth}

:root{
  --ink:#0b1729;
  --navy:#0f2744;
  --gold:#c7a45a;
  --gold-soft:#f4ead2;
  --muted:#66758a;
  --line:#dfe5ec;
  --bg:#f4f7fa;
  --card:#fff;
  --shadow:0 22px 70px rgba(10,25,45,.11)
}

body{
  margin:0;
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;
  line-height:1.6;
  color:var(--ink);
  background:var(--bg)
}

.nav{
  position:sticky;
  top:0;
  z-index:20;
  display:flex;
  align-items:center;
  gap:34px;
  padding:18px 5%;
  background:rgba(255,255,255,.94);
  backdrop-filter:blur(16px);
  border-bottom:1px solid rgba(223,229,236,.9);
  box-shadow:0 6px 24px rgba(10,25,45,.04)
}

.brand{
  font-weight:900;
  letter-spacing:.08em;
  color:var(--navy);
  text-decoration:none;
  white-space:nowrap
}

.brand span{
  font-weight:500;
  color:var(--gold);
  letter-spacing:.055em
}

.nav nav{
  display:flex;
  gap:26px;
  flex:1;
  justify-content:center
}

.nav nav a{
  position:relative;
  color:var(--ink);
  text-decoration:none;
  font-size:.94rem;
  font-weight:650
}

.nav nav a:after{
  content:"";
  position:absolute;
  left:0;
  bottom:-7px;
  width:0;
  height:2px;
  background:var(--gold);
  transition:width .2s
}

.nav nav a:hover:after{
  width:100%
}

.nav select{
  border:1px solid var(--line);
  border-radius:999px;
  padding:8px 12px;
  background:#fff;
  color:var(--ink)
}

.hero{
  max-width:none;
  min-height:690px;
  padding:100px 5%;
  display:grid;
  grid-template-columns:minmax(0,1fr) 380px;
  gap:70px;
  align-items:center;
  background:
    radial-gradient(circle at 85% 30%,rgba(199,164,90,.12),transparent 28%),
    linear-gradient(135deg,#fff 0%,#f8fafc 100%)
}

.hero>div{
  max-width:900px
}

.hero h1{
  max-width:900px;
  font-size:clamp(3rem,6.7vw,6.2rem);
  line-height:.98;
  letter-spacing:-.065em;
  margin:14px 0 24px;
  color:var(--navy)
}

.lead{
  max-width:720px;
  font-size:1.2rem;
  color:var(--muted)
}

.actions{
  display:flex;
  gap:13px;
  flex-wrap:wrap;
  margin-top:30px
}

.button{
  display:inline-block;
  border:1px solid var(--navy);
  border-radius:10px;
  padding:14px 21px;
  background:var(--navy);
  color:#fff;
  text-decoration:none;
  cursor:pointer;
  font:inherit;
  font-weight:800;
  transition:transform .18s,box-shadow .18s,background .18s
}

.button:hover{
  transform:translateY(-2px);
  box-shadow:0 12px 28px rgba(15,39,68,.2);
  background:#173a63
}

.secondary{
  background:#fff;
  color:var(--navy);
  border-color:#cbd5e1
}

.secondary:hover{
  background:#f8fafc
}

.button:focus,
input:focus,
select:focus{
  outline:3px solid rgba(199,164,90,.45);
  outline-offset:3px
}

.eyebrow{
  font-size:.76rem;
  font-weight:900;
  letter-spacing:.16em;
  color:var(--gold)
}

.notice,
.small{
  font-size:.83rem;
  color:var(--muted)
}

.hero-card{
  padding:34px;
  background:linear-gradient(155deg,var(--navy),#173b62);
  color:#fff;
  border:1px solid rgba(255,255,255,.15);
  border-radius:24px;
  box-shadow:var(--shadow);
  position:relative;
  overflow:hidden
}

.hero-card:before{
  content:"";
  position:absolute;
  width:170px;
  height:170px;
  border:1px solid rgba(199,164,90,.4);
  border-radius:50%;
  right:-70px;
  top:-70px
}

.hero-card b{
  color:var(--gold);
  letter-spacing:.16em
}

.hero-card h2{
  font-size:2rem;
  line-height:1.08;
  letter-spacing:-.035em;
  margin-top:40px
}

.hero-card p{
  color:#dbe5f0
}

section{
  max-width:1220px;
  margin:auto;
  padding:86px 5%
}

section>h2{
  font-size:clamp(2.15rem,4vw,3.35rem);
  line-height:1.05;
  letter-spacing:-.045em;
  margin-top:9px;
  color:var(--navy)
}

.grid{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(210px,1fr));
  gap:18px
}

.grid article{
  position:relative;
  padding:28px;
  min-height:205px;
  background:var(--card);
  border:1px solid var(--line);
  border-radius:18px;
  box-shadow:0 8px 30px rgba(10,25,45,.045);
  transition:transform .18s,box-shadow .18s
}

.grid article:hover{
  transform:translateY(-4px);
  box-shadow:0 18px 42px rgba(10,25,45,.09)
}

.grid article b{
  font-size:.75rem;
  color:var(--gold);
  letter-spacing:.12em
}

.grid article h3{
  margin:34px 0 8px;
  color:var(--navy)
}

.grid article p{
  color:var(--muted)
}

.alt{
  max-width:none;
  background:var(--navy);
  color:#fff
}

.alt .eyebrow{
  color:var(--gold)
}

.alt h2{
  color:#fff
}

.steps{
  max-width:1120px;
  margin:auto;
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:18px
}

.steps>div{
  background:rgba(255,255,255,.06);
  border:1px solid rgba(255,255,255,.13);
  border-radius:18px;
  padding:28px
}

.steps b{
  color:var(--gold)
}

.steps h3{
  margin-bottom:8px
}

.steps p{
  color:#c8d4e2
}

.apply-grid{
  display:grid;
  grid-template-columns:minmax(0,1.25fr) minmax(280px,.75fr);
  gap:24px;
  align-items:start
}

.form-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:17px
}

form{
  max-width:none;
  padding:30px;
  display:grid;
  gap:18px;
  background:var(--card);
  border:1px solid var(--line);
  border-radius:20px;
  box-shadow:0 18px 50px rgba(10,25,45,.07)
}

label{
  display:grid;
  gap:7px;
  font-weight:700;
  color:var(--navy)
}

input,
select{
  padding:13px 14px;
  border:1px solid #cbd5e1;
  border-radius:10px;
  font:inherit;
  background:#fff;
  color:var(--ink)
}

input:focus,
select:focus{
  border-color:var(--gold)
}

.check{
  grid-template-columns:auto 1fr;
  display:grid;
  align-items:start;
  font-weight:500;
  color:var(--muted)
}

.check input{
  width:auto;
  margin-top:5px
}

.result{
  min-height:24px;
  font-weight:750
}

.estimate{
  padding:30px;
  position:sticky;
  top:100px;
  background:linear-gradient(155deg,#fff,#f8fafc);
  border:1px solid var(--line);
  border-radius:20px;
  box-shadow:0 18px 50px rgba(10,25,45,.07)
}

.estimate #estimateAmount{
  font-size:clamp(2.4rem,5vw,4.2rem);
  font-weight:900;
  letter-spacing:-.06em;
  color:var(--navy);
  margin-top:15px
}

.dashboard{
  max-width:1120px;
  margin:auto;
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:15px
}

.dashboard>div{
  padding:23px;
  background:#fff;
  border:1px solid var(--line);
  border-radius:16px
}

.dashboard span{
  display:block;
  color:var(--muted);
  font-size:.83rem
}

.dashboard strong{
  display:block;
  margin-top:7px;
  color:var(--navy)
}

.track-note{
  max-width:1120px;
  margin:16px auto 0
}

footer{
  padding:34px 5%;
  text-align:center;
  background:#fff;
  border-top:1px solid var(--line);
  color:var(--muted)
}

footer strong{
  color:var(--navy)
}

@media(max-width:800px){
  .nav{
    flex-wrap:wrap;
    gap:18px
  }

  .nav nav{
    order:3;
    flex-basis:100%;
    justify-content:flex-start;
    overflow:auto
  }

  .hero{
    grid-template-columns:1fr;
    padding-top:68px;
    min-height:auto
  }

  .hero-card{
    max-width:520px
  }

  .steps,
  .dashboard{
    grid-template-columns:1fr 1fr
  }

  .apply-grid{
    grid-template-columns:1fr
  }

  .estimate{
    position:static
  }
}

@media(max-width:560px){
  section{
    padding:58px 5%
  }

  .hero{
    padding-bottom:64px
  }

  .hero h1{
    font-size:2.75rem
  }

  .form-grid,
  .steps,
  .dashboard{
    grid-template-columns:1fr
  }

  .nav{
    padding:14px 4%
  }

  .nav nav{
    gap:18px
  }

  .nav nav a{
    white-space:nowrap
  }

  .brand{
    font-size:.9rem
  }
}
.hero-trust{
    display:flex;
    gap:18px;
    flex-wrap:wrap;
    margin-top:24px;
    color:var(--navy);
    font-size:.84rem;
    font-weight:700
}

.hero-trust span{
    padding:9px 12px;
    background:rgba(255,255,255,.75);
    border:1px solid var(--line);
    border-radius:999px
}

.hero-card-line{
    width:55px;
    height:2px;
    margin:26px 0 18px;
    background:var(--gold)
}

@media(max-width:560px){
    .hero-trust{
        display:grid;
        gap:9px
    }

    .hero-trust span{
        width:max-content;
        max-width:100%
    }
}
.grid article{
    overflow:hidden
}

.grid article:before{
    content:"";
    position:absolute;
    left:0;
    top:0;
    width:3px;
    height:0;
    background:var(--gold);
    transition:height .25s
}

.grid article:hover:before{
    height:100%
}

.card-arrow{
    position:absolute;
    right:25px;
    bottom:22px;
    font-size:1.25rem;
    color:var(--gold);
    font-weight:800;
    transition:transform .2s
}

.grid article:hover .card-arrow{
    transform:translateX(5px)
}
.step-number{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    width:48px;
    height:48px;
    border:1px solid rgba(199,164,90,.5);
    border-radius:50%;
    color:var(--gold);
    font-weight:900;
    font-size:.8rem;
    letter-spacing:.08em
}

.steps>div{
    transition:transform .2s,border-color .2s,background .2s
}

.steps>div:hover{
    transform:translateY(-5px);
    border-color:rgba(199,164,90,.5);
    background:rgba(255,255,255,.09)
  }