:root {
  --green: #2bc48a;
  --green-btn: #14915f;
  --green-btn-hover: #0f7a4e;
  --ink: #10593d;
  --headline: #1c211f;
  --text: #3e4742;
  --muted: #5c6761;
  --line: #e3f0e9;
  --mint: #f4fbf8;
  --mint-2: #e7f7f0;
  --white: #ffffff;
  --shadow: 0 18px 50px rgba(16, 89, 61, 0.1);
  --radius: 28px;
  --max: 1160px;
  --font: "Inter", system-ui, sans-serif;
  --display: "Outfit", "Inter", system-ui, sans-serif;
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--text);
  background: var(--white);
  line-height: 1.55;
}
img { max-width: 100%; display: block; }
a { color: var(--ink); text-decoration: none; }
button, input, select, textarea { font-family: inherit; }
h1, h2, h3, h4, h5 { font-family: var(--display); color: var(--headline); letter-spacing: -0.03em; line-height: 1.05; margin: 0; }
p { margin: 0; }

.skip {
  position: absolute;
  left: 12px;
  top: -40px;
  background: var(--ink);
  color: white;
  padding: 8px 12px;
  z-index: 20;
}
.skip:focus { top: 12px; }

.topbar {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  align-items: center;
  padding: 10px 28px;
  font-size: 14px;
  color: var(--ink);
  background: #fff;
  border-bottom: 1px solid #f0f4f2;
}
.topbar a { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; }
.topbar .nmls { color: var(--muted); font-weight: 500; }
.icon { width: 16px; height: 16px; flex: none; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 16px 28px 8px;
  background: linear-gradient(180deg, rgba(244, 251, 248, 0.96), rgba(244, 251, 248, 0.9));
  backdrop-filter: blur(10px);
}
.site-header.scrolled {
  background: rgba(255, 255, 255, 0.96);
  box-shadow: 0 8px 24px rgba(16, 89, 61, 0.06);
  padding-top: 12px;
  padding-bottom: 12px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--ink);
}
.logo svg { width: 46px; height: 46px; }
.wordmark { display: flex; flex-direction: column; line-height: 0.88; font-family: var(--display); font-weight: 800; font-size: 26px; letter-spacing: -0.04em; }
.wordmark span:last-child { padding-left: 14px; }

.nav-wrap { display: flex; align-items: center; gap: 14px; }
.nav {
  display: flex;
  align-items: center;
  gap: 4px;
  background: #fff;
  border-radius: 999px;
  padding: 6px 8px;
  box-shadow: 0 8px 30px rgba(16, 89, 61, 0.06);
}
.nav a, .drop > button {
  appearance: none;
  background: none;
  border: 0;
  color: var(--ink);
  font-weight: 600;
  font-size: 15px;
  padding: 10px 14px;
  border-radius: 999px;
  cursor: pointer;
}
.nav a[aria-current="page"], .nav a:hover, .drop > button:hover, .drop.open > button {
  background: var(--mint);
}
.drop { position: relative; }
.drop::after { content: ""; position: absolute; left: 0; right: 0; top: 100%; height: 14px; }
.drop > button { display: inline-flex; align-items: center; gap: 6px; }
.menu {
  display: none;
  position: absolute;
  top: calc(100% + 10px);
  left: 0;
  width: 260px;
  background: #fff;
  border-radius: 18px;
  box-shadow: var(--shadow);
  padding: 8px;
  border: 1px solid var(--line);
}
.drop.open .menu, .drop:hover .menu { display: grid; }
.menu a { border-radius: 12px; font-weight: 550; }
.menu a:hover { background: var(--mint); }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: var(--green-btn);
  color: #fff;
  border: 0;
  border-radius: 999px;
  padding: 12px 20px;
  font-weight: 650;
  font-size: 15px;
  cursor: pointer;
  text-decoration: none;
}
.btn:hover { background: var(--green-btn-hover); color: #fff; }
.btn-light { background: #fff; color: var(--ink); }
.btn-light:hover { background: var(--mint-2); color: var(--ink); }
.btn-ghost { background: transparent; color: var(--ink); border: 1px solid var(--line); }
.btn-ghost:hover { background: var(--mint); }
.header-cta { padding: 12px 18px; white-space: nowrap; }
.menu-toggle {
  display: none;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  border: 1.5px solid var(--ink);
  background: #fff;
  cursor: pointer;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
}
.menu-toggle span { display: block; width: 18px; height: 2px; background: var(--ink); }

.hero {
  position: relative;
  background:
    radial-gradient(780px 480px at 12% 42%, rgba(43, 196, 138, 0.18), transparent 62%),
    linear-gradient(180deg, #f4fbf8 0%, #fbfffd 70%, #fff 100%);
  overflow: hidden;
  padding: 12px 28px 40px;
}
.hero-art {
  position: absolute;
  inset: 0;
  pointer-events: none;
}
.ring {
  position: absolute;
  width: 860px;
  height: 860px;
  border: 1.5px dashed rgba(43, 196, 138, 0.45);
  border-radius: 50%;
  left: -280px;
  top: -120px;
}
.ring.inner {
  width: 560px;
  height: 560px;
  left: -130px;
  top: 30px;
  border-style: solid;
  border-color: rgba(43, 196, 138, 0.13);
}
.waves {
  position: absolute;
  left: 24px;
  top: 18px;
  width: 180px;
  height: 90px;
  opacity: 0.7;
}

.hero-copy {
  position: relative;
  width: min(var(--max), 100%);
  margin: 28px auto 0;
  min-height: 340px;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  text-align: right;
  padding-top: 28px;
}
.hero h1 {
  font-size: clamp(36px, 5vw, 72px);
  width: min(740px, 100%);
  font-weight: 800;
}
.hero h1 em { font-style: normal; color: var(--ink); }
.lede {
  width: min(520px, 100%);
  margin-top: 18px;
  color: var(--muted);
  font-size: 17px;
}
.hero-actions { display: flex; gap: 12px; margin-top: 22px; flex-wrap: wrap; justify-content: flex-end; }
.officer {
  margin-top: 28px;
  display: flex;
  align-items: center;
  gap: 12px;
  text-align: left;
}
.avatar {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: #dfeee6 url("/images/card.jpg") 1px -2px / 210px auto no-repeat;
  box-shadow: 0 0 0 3px #fff, 0 0 0 5px var(--green);
  flex: none;
}
.officer strong { display: block; color: var(--headline); font-size: 15px; }
.officer span { color: var(--muted); font-size: 13px; }

.form-wrap {
  position: relative;
  max-width: 720px;
  margin: -10px auto 0;
}
.lead {
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 26px 28px 22px;
  border: 1px solid rgba(16, 89, 61, 0.05);
}
.progress { height: 5px; background: #e7f3ed; border-radius: 99px; overflow: hidden; margin-bottom: 18px; }
.progress span { display: block; height: 100%; width: 25%; background: var(--green); border-radius: 99px; transition: width 0.25s ease; }
.step-kicker { color: var(--ink); font-weight: 700; font-size: 13px; letter-spacing: 0.04em; text-transform: uppercase; margin-bottom: 8px; }
.lead h2, .pane label.q {
  font-family: var(--display);
  font-size: 28px;
  color: var(--ink);
  letter-spacing: -0.03em;
  font-weight: 700;
  display: block;
  margin-bottom: 14px;
}
.field { margin-bottom: 14px; }
.field span, .check { display: block; font-weight: 650; color: var(--ink); margin-bottom: 6px; }
input, select, textarea {
  width: 100%;
  border: 1px solid #d7e6de;
  background: #fff;
  border-radius: 12px;
  padding: 14px 14px;
  font-size: 16px;
  color: var(--headline);
}
textarea { min-height: 90px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: 2px solid rgba(43, 196, 138, 0.45); border-color: var(--green); }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.form-actions { display: flex; justify-content: flex-end; gap: 10px; margin-top: 6px; flex-wrap: wrap; }
.nav a[href="/apply/"] { display: none; }
.form-error { color: #9d2c2c; font-size: 14px; margin-top: 10px; }
.check-row { display: flex; gap: 10px; align-items: flex-start; font-size: 13px; color: var(--muted); margin: 8px 0 12px; }
.check-row input { width: 18px; height: 18px; margin-top: 2px; }
.hp { position: absolute; left: -9999px; height: 0; overflow: hidden; }
.success h3 { font-size: 28px; margin-bottom: 8px; }
.success p { margin-bottom: 8px; }
.summary {
  background: var(--mint);
  border-radius: 16px;
  padding: 14px 16px;
  margin: 14px 0;
  font-size: 14px;
}
.summary div { display: flex; justify-content: space-between; gap: 12px; padding: 4px 0; }
.success-actions { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 12px; }

.section { padding: 84px 28px; }
.section.tight { padding-top: 48px; }
.wrap { max-width: var(--max); margin: 0 auto; }
.center { text-align: center; }
.center .sub { max-width: 640px; margin: 12px auto 0; color: var(--muted); }
.kicker { color: var(--green-btn); font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; font-size: 13px; margin-bottom: 10px; }
h2 { font-size: clamp(32px, 4vw, 48px); font-weight: 800; }

.why { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 48px; align-items: center; }
.points { display: grid; gap: 16px; }
.point {
  display: grid;
  grid-template-columns: 52px 1fr;
  gap: 14px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 16px;
}
.point i {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: var(--mint-2);
  color: var(--ink);
  display: grid;
  place-items: center;
}
.point h3 { font-size: 18px; margin-bottom: 4px; }
.point p { color: var(--muted); font-size: 15px; }

.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 32px; }
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 22px;
  padding: 22px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  min-height: 210px;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.card:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.card .tag {
  width: 42px;
  height: 42px;
  border-radius: 12px;
  background: var(--mint-2);
  color: var(--ink);
  display: grid;
  place-items: center;
  font-family: var(--display);
  font-weight: 800;
}
.card h3 { font-size: 22px; }
.card p { color: var(--muted); flex: 1; }
.card .more { font-weight: 700; color: var(--green-btn); }

.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 28px; }
.step {
  background: #fff;
  border-radius: 22px;
  padding: 24px;
  border-top: 4px solid var(--green);
}
.step b {
  font-family: var(--display);
  font-size: 40px;
  color: var(--green);
  letter-spacing: -0.04em;
}
.step h3 { margin: 8px 0; font-size: 22px; }
.mint { background: linear-gradient(180deg, #fff, var(--mint)); }

.cta-band { padding: 10px 28px 80px; }
.cta-inner {
  max-width: var(--max);
  margin: 0 auto;
  background: var(--ink);
  color: #fff;
  border-radius: 28px;
  padding: 42px 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.cta-inner h2, .cta-inner p { color: #fff; }
.cta-inner p { margin-top: 8px; opacity: 0.88; max-width: 560px; }

.page-hero { padding: 36px 28px 10px; background: linear-gradient(180deg, #f4fbf8, #fff); }
.page-hero h1 { font-size: clamp(40px, 5vw, 64px); max-width: 800px; }
.page-hero .lede { margin-top: 14px; text-align: left; }

.split { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 36px; align-items: start; }
.panel { background: #fff; border: 1px solid var(--line); border-radius: 22px; padding: 22px; }
.panel h2, .prose h2 { font-size: 28px; margin: 22px 0 8px; }
.prose h2:first-child { margin-top: 0; }
.prose p, .prose li { color: var(--text); }
.prose ul { margin: 8px 0 0; padding-left: 18px; }
.prose li { margin: 6px 0; }
.card-photo { width: 100%; border-radius: 20px; border: 1px solid var(--line); background: #fff; }
.license-list { display: grid; gap: 8px; margin-top: 12px; }
.license-list a, .license-list div { background: var(--mint); border-radius: 12px; padding: 10px 12px; font-size: 14px; }

.calc { display: grid; grid-template-columns: 1fr 0.85fr; gap: 22px; }
.result { background: var(--ink); color: #fff; border-radius: 22px; padding: 24px; }
.result h2, .result p, .result strong { color: #fff; }
.result .big { font-family: var(--display); font-size: 52px; letter-spacing: -0.04em; font-weight: 800; margin: 6px 0 12px; }
.result dl { display: grid; gap: 8px; margin: 0; }
.result div { display: flex; justify-content: space-between; gap: 12px; border-top: 1px solid rgba(255,255,255,0.12); padding-top: 8px; }
.note { font-size: 13px; color: var(--muted); margin-top: 12px; }

.site-footer { background: #f6fbf8; border-top: 1px solid var(--line); padding: 48px 28px 20px; }
.foot-grid { max-width: var(--max); margin: 0 auto; display: grid; grid-template-columns: 1.3fr 1fr 1fr 1.1fr; gap: 28px; }
.site-footer h5 { font-size: 15px; margin-bottom: 12px; color: var(--ink); letter-spacing: 0; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.site-footer a { color: var(--text); }
.site-footer a:hover { color: var(--ink); }
.fine { max-width: var(--max); margin: 28px auto 0; padding-top: 16px; border-top: 1px solid var(--line); font-size: 12.5px; color: var(--muted); display: grid; gap: 8px; }
.fine-row { display: flex; justify-content: space-between; gap: 16px; align-items: center; flex-wrap: wrap; }
.eho { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; color: var(--ink); }

@media (max-width: 980px) {
  .why, .cards, .steps, .split, .calc, .foot-grid { grid-template-columns: 1fr 1fr; }
  .why, .split, .calc { grid-template-columns: 1fr; }
  .foot-grid { grid-template-columns: 1fr 1fr; }
  .hero-copy { align-items: stretch; text-align: left; min-height: 0; padding-top: 8px; }
  .hero h1, .lede { width: 100%; }
  .hero-actions { justify-content: flex-start; }
}
@media (max-width: 800px) {
  .topbar { display: none; }
  .menu-toggle { display: flex; }
  .nav-wrap { position: static; }
  .nav {
    display: none;
    position: absolute;
    top: 74px;
    left: 16px;
    right: 16px;
    flex-direction: column;
    align-items: stretch;
    border-radius: 20px;
    padding: 10px;
    z-index: 40;
  }
  .nav.open { display: flex; }
  .menu { position: static; width: auto; box-shadow: none; border: 0; padding: 0 0 0 8px; }
  .drop.open .menu { display: grid; }
  .drop:hover .menu { display: none; }
  .drop.open:hover .menu { display: grid; }
  .header-cta { display: none; }
  .nav a[href="/apply/"] {
    display: block;
    background: var(--green-btn);
    color: #fff;
    text-align: center;
    margin-top: 6px;
  }
  .cards, .steps, .grid-2, .foot-grid { grid-template-columns: 1fr; }
  .cta-inner { flex-direction: column; align-items: flex-start; padding: 28px; }
  .section { padding: 56px 18px; }
  .hero, .site-header, .page-hero, .cta-band { padding-left: 18px; padding-right: 18px; }
  .lead { padding: 20px 16px; }
  .lead h2, .pane label.q { font-size: 24px; }
}
@media (prefers-reduced-motion: reduce) {
  * { scroll-behavior: auto !important; transition: none !important; }
}

.site-header {
  background: #fff;
  padding: 14px 32px;
  border-bottom: 1px solid #e6f0ea;
  box-shadow: none;
}
.nav { background: transparent; box-shadow: none; }
.banner {
  position: relative;
  min-height: 78vh;
  display: block;
  overflow: hidden;
  background:
    linear-gradient(90deg, rgba(8, 32, 24, 0.72), rgba(16, 89, 61, 0.38)),
    url("/images/hero.jpg") center 40% / cover no-repeat;
  color: #fff;
}
.banner-inner { position: relative; z-index: 1; width: min(820px, 100%); padding: 88px 8vw 120px; }
.banner h1 {
  color: #fff;
  font-weight: 650;
  font-size: clamp(46px, 6.2vw, 78px);
  letter-spacing: -0.035em;
}
.banner-sub {
  margin-top: 14px;
  color: #2bc48a;
  font-family: var(--display);
  font-weight: 650;
  font-size: clamp(22px, 3vw, 34px);
  letter-spacing: -0.03em;
}
.btn-glass {
  background: rgba(255, 255, 255, 0.2);
  color: #fff;
  border: 0;
}
.btn-glass:hover { background: rgba(255, 255, 255, 0.32); color: #fff; }
.banner-cut {
  position: absolute;
  left: 0;
  bottom: -1px;
  width: 46%;
  height: 84px;
  background: #14915f;
  clip-path: polygon(0 55%, 100% 100%, 0 100%);
}
.about-avatar { width: 112px; height: 112px; }
.process .btn, .help .btn { margin-top: 18px; }
@media (max-width: 800px) {
  .banner { min-height: 70vh; }
  .banner-inner { padding: 56px 20px 96px; }
  .banner h1 { font-size: 40px; }
  .banner-sub { font-size: 22px; max-width: 16em; }
  .banner .hero-actions { flex-direction: column; align-items: flex-start; }
}