:root{--primary: #0B526B;--primary-dark: #073747;--primary-light: #167A9C;--primary-subtle: rgba(11, 82, 107, .08);--primary-glass: rgba(11, 82, 107, .12);--accent: #F2A33A;--accent-dark: #D9851D;--accent-light: rgba(242, 163, 58, .14);--accent-hover: #E59325;--accent-glow: rgba(242, 163, 58, .35);--text: #172033;--text-secondary: #3B485A;--muted: #64748B;--muted-light: #94A3B8;--surface: #F3F7FA;--surface-alt: #E8F2F6;--surface-card: rgba(255, 255, 255, .78);--white: #FFFFFF;--glass-bg: rgba(255, 255, 255, .76);--glass-bg-hover: rgba(255, 255, 255, .9);--glass-bg-solid: rgba(255, 255, 255, .94);--glass-bg-subtle: rgba(255, 255, 255, .55);--glass-bg-tint: rgba(235, 245, 248, .82);--glass-border: rgba(255, 255, 255, .85);--glass-border-subtle: rgba(11, 82, 107, .12);--glass-border-focus: #0B526B;--border: #D6E4EA;--border-light: rgba(220, 234, 240, .7);--border-focus: #0B526B;--success: #0E7B54;--success-bg: rgba(14, 123, 84, .1);--warning: #B45309;--warning-bg: rgba(245, 158, 11, .12);--error: #BE123C;--error-bg: rgba(190, 18, 60, .1);--font-sans: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;--font-heading: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;--space-1: .25rem;--space-2: .5rem;--space-3: .75rem;--space-4: 1rem;--space-5: 1.25rem;--space-6: 1.5rem;--space-8: 2rem;--space-10: 2.5rem;--space-12: 3rem;--space-16: 4rem;--space-20: 5rem;--space-24: 6rem;--radius-xs: 6px;--radius-sm: 10px;--radius-md: 14px;--radius-lg: 20px;--radius-xl: 24px;--radius-pill: 9999px;--shadow-xs: 0 1px 2px rgba(11, 82, 107, .04), inset 0 1px 0 rgba(255, 255, 255, .8);--shadow-sm: 0 2px 8px rgba(11, 82, 107, .06), inset 0 1px 0 rgba(255, 255, 255, .9);--shadow-md: 0 8px 24px -4px rgba(11, 82, 107, .08), 0 2px 6px rgba(0, 0, 0, .03), inset 0 1px 1px rgba(255, 255, 255, .95);--shadow-lg: 0 16px 36px -6px rgba(11, 82, 107, .12), 0 4px 12px rgba(0, 0, 0, .04), inset 0 1px 1px rgba(255, 255, 255, 1);--shadow-xl: 0 24px 48px -12px rgba(11, 82, 107, .18), 0 8px 16px rgba(0, 0, 0, .04), inset 0 1px 2px rgba(255, 255, 255, 1);--glass-blur-sm: blur(10px) saturate(160%);--glass-blur-md: blur(16px) saturate(180%);--glass-blur-lg: blur(24px) saturate(200%);--transition-fast: .15s cubic-bezier(.4, 0, .2, 1);--transition-base: .25s cubic-bezier(.4, 0, .2, 1);--transition-slow: .35s cubic-bezier(.4, 0, .2, 1)}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}html{font-size:16px;line-height:1.6;scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{font-family:var(--font-sans);color:var(--text);background-color:var(--surface);background-image:radial-gradient(at 0% 0%,rgba(22,122,156,.09) 0px,transparent 50%),radial-gradient(at 100% 15%,rgba(242,163,58,.07) 0px,transparent 40%),radial-gradient(at 50% 50%,rgba(11,82,107,.05) 0px,transparent 50%),radial-gradient(at 90% 85%,rgba(22,122,156,.08) 0px,transparent 45%),radial-gradient(at 15% 90%,rgba(242,163,58,.06) 0px,transparent 45%);background-attachment:fixed;min-height:100vh;display:flex;flex-direction:column;overflow-x:hidden;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}img,svg,video{display:block;max-width:100%;height:auto}input,button,textarea,select{font:inherit;color:inherit}a{color:var(--primary);text-decoration:none;transition:color var(--transition-fast)}a:hover{color:var(--primary-light)}.skip-link{position:absolute;top:-100px;left:var(--space-4);background:var(--accent);color:var(--primary-dark);padding:var(--space-3) var(--space-6);font-weight:700;border-radius:var(--radius-sm);z-index:99999;transition:top var(--transition-fast);box-shadow:var(--shadow-lg);border:2px solid var(--primary-dark)}.skip-link:focus{top:var(--space-4);outline:3px solid var(--primary-dark)}:focus-visible{outline:3px solid var(--accent);outline-offset:2px}@media(prefers-reduced-motion:reduce){*,*:before,*:after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}}.container{width:100%;max-width:1200px;margin-left:auto;margin-right:auto;padding-left:var(--space-4);padding-right:var(--space-4)}@media(min-width:768px){.container{padding-left:var(--space-6);padding-right:var(--space-6)}}@media(min-width:1280px){.container{padding-left:var(--space-8);padding-right:var(--space-8)}}.section{padding-top:var(--space-12);padding-bottom:var(--space-12);position:relative}@media(min-width:768px){.section{padding-top:var(--space-20);padding-bottom:var(--space-20)}}.section-surface{background:transparent}.section-white{background:#ffffff73;backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);border-top:1px solid rgba(255,255,255,.6);border-bottom:1px solid rgba(255,255,255,.6)}.section-alt{background:#e8f2f68c;backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px)}h1,h2,h3,h4,h5,h6{font-family:var(--font-heading);color:var(--primary-dark);line-height:1.25;font-weight:700;letter-spacing:-.02em}h1{font-size:clamp(2rem,4vw + 1rem,3.25rem);line-height:1.15}h2{font-size:clamp(1.6rem,2.5vw + .8rem,2.35rem);line-height:1.2}h3{font-size:clamp(1.25rem,1.5vw + .6rem,1.5rem);line-height:1.3}h4{font-size:1.15rem;line-height:1.4}p{color:var(--text-secondary);margin-bottom:var(--space-4);max-width:70ch}p:last-child{margin-bottom:0}.eyebrow{display:inline-flex;align-items:center;gap:var(--space-2);font-size:.8125rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--primary);background:#ffffffb3;backdrop-filter:var(--glass-blur-sm);-webkit-backdrop-filter:var(--glass-blur-sm);padding:.35rem .95rem;border-radius:var(--radius-pill);margin-bottom:var(--space-3);border:1px solid rgba(255,255,255,.9);box-shadow:0 2px 8px #0b526b0f,inset 0 1px #fff}.section-header{text-align:center;max-width:720px;margin:0 auto var(--space-12)}.section-header p{margin-left:auto;margin-right:auto;font-size:1.125rem;color:var(--text-secondary)}.site-header{position:sticky;top:0;z-index:1000;background:#ffffffbf;backdrop-filter:var(--glass-blur-lg);-webkit-backdrop-filter:var(--glass-blur-lg);border-bottom:1px solid rgba(255,255,255,.6);box-shadow:0 4px 20px -2px #0b526b0a;transition:all var(--transition-base)}.site-header.site-header-static{position:relative!important;top:auto!important}.site-header.scrolled{background:#ffffffe0;border-bottom-color:#c8dce4cc;box-shadow:0 10px 30px -4px #0b526b14,inset 0 -1px #fffc}.nav-container{display:flex;align-items:center;justify-content:space-between;height:72px}.brand-logo{display:flex;align-items:center;gap:var(--space-3);color:var(--primary-dark);font-weight:800;font-size:1.35rem;letter-spacing:-.03em;text-decoration:none}.brand-logo svg{width:32px;height:32px;filter:drop-shadow(0 2px 4px rgba(11,82,107,.15))}.brand-logo:hover{color:var(--primary)}.nav-links-desktop{display:none;align-items:center;gap:var(--space-6);list-style:none;background:#ffffff80;backdrop-filter:var(--glass-blur-sm);-webkit-backdrop-filter:var(--glass-blur-sm);padding:.4rem 1rem;border-radius:var(--radius-pill);border:1px solid rgba(255,255,255,.7);box-shadow:inset 0 1px 1px #fffc,0 2px 8px #0b526b0a}.nav-links-desktop a{font-weight:600;font-size:.9375rem;color:var(--text-secondary);padding:var(--space-2) var(--space-3);border-radius:var(--radius-pill);transition:all var(--transition-fast);position:relative}.nav-links-desktop a:hover{color:var(--primary-dark);background:#ffffffbf}.nav-links-desktop a.active{color:var(--primary-dark);background:#fffffff2;box-shadow:0 2px 6px #0b526b14,inset 0 1px #fff;font-weight:700}.nav-actions-desktop{display:none;align-items:center;gap:var(--space-4)}.menu-toggle-btn{display:flex;align-items:center;justify-content:center;width:44px;height:44px;background:#ffffffbf;backdrop-filter:var(--glass-blur-sm);-webkit-backdrop-filter:var(--glass-blur-sm);border:1px solid rgba(255,255,255,.9);border-radius:var(--radius-sm);color:var(--text);cursor:pointer;box-shadow:var(--shadow-xs);transition:all var(--transition-fast)}.menu-toggle-btn:hover{background:#fffffff2;box-shadow:var(--shadow-sm)}@media(min-width:992px){.nav-links-desktop,.nav-actions-desktop{display:flex}.menu-toggle-btn{display:none}}.mobile-nav-backdrop{position:fixed;top:0;right:0;bottom:0;left:0;background:#07374759;backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);z-index:1001;opacity:0;pointer-events:none;transition:opacity var(--transition-base)}.mobile-nav-backdrop.open{opacity:1;pointer-events:auto}.mobile-nav-drawer{position:fixed;top:0;right:-340px;width:100%;max-width:340px;height:100%;background:#ffffffe0;backdrop-filter:var(--glass-blur-lg);-webkit-backdrop-filter:var(--glass-blur-lg);border-left:1px solid rgba(255,255,255,.8);z-index:1002;box-shadow:-10px 0 40px #0b526b26;display:flex;flex-direction:column;padding:var(--space-6);transition:transform var(--transition-base)}.mobile-nav-drawer.open{transform:translate(-340px)}.mobile-nav-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:var(--space-8);padding-bottom:var(--space-4);border-bottom:1px solid rgba(200,220,228,.6)}.mobile-nav-close{width:44px;height:44px;display:flex;align-items:center;justify-content:center;background:#ffffffb3;border:1px solid rgba(255,255,255,.9);border-radius:var(--radius-sm);cursor:pointer;box-shadow:var(--shadow-xs)}.mobile-nav-links{list-style:none;display:flex;flex-direction:column;gap:var(--space-2);margin-bottom:var(--space-8)}.mobile-nav-links a{display:block;font-size:1.0625rem;font-weight:600;color:var(--text);padding:var(--space-3) var(--space-4);border-radius:var(--radius-sm);transition:all var(--transition-fast)}.mobile-nav-links a:hover,.mobile-nav-links a.active{color:var(--primary-dark);background:#ffffffe6;box-shadow:var(--shadow-xs)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:var(--space-2);font-weight:700;font-size:1rem;line-height:1.25;white-space:nowrap;border-radius:var(--radius-md);border:1px solid transparent;cursor:pointer;text-decoration:none;transition:all var(--transition-fast);min-height:48px;padding:.75rem 1.5rem;position:relative;overflow:hidden}.btn:active{transform:translateY(1px)}.btn-primary{background:linear-gradient(135deg,#ffb020,#f59e0b,#d97706);color:#062833;font-weight:800;letter-spacing:-.01em;border:1px solid rgba(255,255,255,.6);box-shadow:0 4px 16px #f59e0b59,inset 0 1px #ffffffa6}.btn-primary:hover{background:linear-gradient(135deg,#ffc147,#fbbf24,#e58a1f);color:#031b24;box-shadow:0 8px 24px #f59e0b73,inset 0 1px #fffc;transform:translateY(-2px)}.btn-secondary{background:linear-gradient(135deg,#167a9c,#0b526b);color:var(--white);border:1px solid rgba(255,255,255,.3);box-shadow:0 4px 14px #0b526b40,inset 0 1px #ffffff4d}.btn-secondary:hover{background:linear-gradient(135deg,#1b8db3,#073747);color:var(--white);box-shadow:0 6px 20px #0b526b59,inset 0 1px #fff6;transform:translateY(-1px)}.btn-outline{background:#fff9;backdrop-filter:var(--glass-blur-sm);-webkit-backdrop-filter:var(--glass-blur-sm);color:var(--primary);border:1px solid rgba(11,82,107,.3);box-shadow:var(--shadow-xs)}.btn-outline:hover{background:#ffffffe6;color:var(--primary-dark);border-color:var(--primary);box-shadow:var(--shadow-sm);transform:translateY(-1px)}.btn-white{background:#ffffffd9;backdrop-filter:var(--glass-blur-sm);-webkit-backdrop-filter:var(--glass-blur-sm);color:var(--primary-dark);border:1px solid rgba(255,255,255,.95);box-shadow:var(--shadow-sm)}.btn-white:hover{background:#fff;border-color:var(--primary-light);box-shadow:var(--shadow-md);transform:translateY(-1px)}.btn-sm{min-height:40px;padding:.5rem 1rem;font-size:.875rem;border-radius:var(--radius-sm)}.btn-lg{min-height:56px;padding:1rem 2rem;font-size:1.125rem;border-radius:var(--radius-md)}.btn-block{width:100%}.hero{position:relative;padding-top:var(--space-12);padding-bottom:var(--space-16);overflow:hidden}@media(min-width:992px){.hero{padding-top:var(--space-16);padding-bottom:var(--space-24)}}.hero-grid{display:grid;grid-template-columns:1fr;gap:var(--space-10);align-items:center}@media(min-width:992px){.hero-grid{grid-template-columns:1.15fr .85fr;gap:var(--space-12)}}.hero-content h1{margin-bottom:var(--space-5);color:var(--primary-dark)}.hero-content .lead{font-size:1.1875rem;line-height:1.6;color:var(--text-secondary);margin-bottom:var(--space-8)}.hero-actions{display:flex;flex-wrap:wrap;gap:var(--space-4);margin-bottom:var(--space-8)}.hero-trust-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:var(--space-4);padding-top:var(--space-6);border-top:1px solid rgba(200,220,228,.6);list-style:none}.hero-trust-item{display:flex;align-items:center;gap:var(--space-3);font-size:.875rem;font-weight:600;color:var(--text-secondary)}.hero-trust-item svg{width:20px;height:20px;color:var(--success);flex-shrink:0}.hero-card{background:var(--glass-bg);backdrop-filter:var(--glass-blur-lg);-webkit-backdrop-filter:var(--glass-blur-lg);border-radius:var(--radius-xl);border:1px solid var(--glass-border);padding:var(--space-6);box-shadow:var(--shadow-xl);position:relative;transition:transform var(--transition-base),box-shadow var(--transition-base)}.hero-card:before{content:"";position:absolute;top:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,rgba(255,255,255,.9),transparent);border-radius:var(--radius-xl) var(--radius-xl) 0 0}@media(min-width:768px){.hero-card{padding:var(--space-8)}}.hero-card-badge{display:inline-flex;align-items:center;gap:var(--space-2);font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--primary-dark);background:#fffc;backdrop-filter:var(--glass-blur-sm);-webkit-backdrop-filter:var(--glass-blur-sm);padding:.3rem .85rem;border-radius:var(--radius-pill);margin-bottom:var(--space-4);border:1px solid rgba(255,255,255,.95);box-shadow:var(--shadow-xs)}.hero-card-title{font-size:1.25rem;font-weight:700;margin-bottom:var(--space-4);color:var(--primary-dark)}.amount-selector{margin-bottom:var(--space-6)}.amount-display{display:flex;align-items:baseline;justify-content:space-between;margin-bottom:var(--space-3)}.amount-label{font-size:.875rem;font-weight:600;color:var(--text-secondary)}.amount-value{font-size:2.25rem;font-weight:800;color:var(--primary-dark);letter-spacing:-.02em;text-shadow:0 2px 8px rgba(11,82,107,.1)}.amount-presets{display:grid;grid-template-columns:repeat(5,1fr);gap:var(--space-2);margin-bottom:var(--space-4)}.preset-btn{background:#ffffffa6;backdrop-filter:var(--glass-blur-sm);-webkit-backdrop-filter:var(--glass-blur-sm);border:1px solid rgba(200,220,228,.7);border-radius:var(--radius-sm);padding:.5rem .25rem;font-size:.8125rem;font-weight:700;color:var(--text-secondary);cursor:pointer;text-align:center;transition:all var(--transition-fast);min-height:40px;box-shadow:var(--shadow-xs)}.preset-btn:hover{border-color:var(--primary-light);color:var(--primary-dark);background:#fffffff2;transform:translateY(-1px)}.preset-btn.active{background:linear-gradient(135deg,#0b526b,#073747);color:var(--white);border-color:#ffffff4d;box-shadow:0 4px 12px #0b526b40,inset 0 1px #ffffff4d}.slider-container{position:relative;margin-bottom:var(--space-4)}.range-slider{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:100%;height:8px;border-radius:var(--radius-pill);background:#c8dce4b3;box-shadow:inset 0 1px 2px #00000014;outline:none;cursor:pointer}.range-slider::-webkit-slider-thumb{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:28px;height:28px;border-radius:50%;background:linear-gradient(135deg,#f2a33a,#e59325);border:3px solid #FFFFFF;box-shadow:0 4px 12px #f2a33a66,0 2px 4px #0000001a;cursor:grab;transition:transform var(--transition-fast)}.range-slider::-webkit-slider-thumb:hover{transform:scale(1.18);background:linear-gradient(135deg,#fbbf24,#d9851d);box-shadow:0 6px 16px #f2a33a80,0 2px 4px #0000001f}.range-slider::-moz-range-thumb{width:28px;height:28px;border-radius:50%;background:linear-gradient(135deg,#f2a33a,#e59325);border:3px solid #FFFFFF;box-shadow:0 4px 12px #f2a33a66;cursor:grab}.slider-ticks{display:flex;justify-content:space-between;font-size:.75rem;color:var(--muted);font-weight:600;margin-top:var(--space-2)}.custom-amount-input-wrap{display:flex;align-items:center;gap:var(--space-2);margin-top:var(--space-3)}.custom-amount-label{font-size:.8125rem;font-weight:600;color:var(--text-secondary)}.custom-amount-input{flex:1;padding:.55rem .85rem;border:1px solid rgba(200,220,228,.8);border-radius:var(--radius-sm);font-weight:700;font-size:.9375rem;color:var(--text);background:#ffffffbf;backdrop-filter:var(--glass-blur-sm);-webkit-backdrop-filter:var(--glass-blur-sm);box-shadow:inset 0 1px 2px #00000005;transition:all var(--transition-fast)}.custom-amount-input:focus{background:#fff;border-color:var(--primary);box-shadow:0 0 0 3px #0b526b26}.selector-note{display:flex;align-items:center;justify-content:center;gap:var(--space-2);font-size:.8125rem;font-weight:500;color:var(--text-secondary);text-align:center;margin:var(--space-3) auto 0;line-height:1.5}.selector-note svg{color:var(--primary);flex-shrink:0}.selector-trust-pills{display:flex;align-items:center;justify-content:center;gap:var(--space-4);flex-wrap:wrap;margin-top:var(--space-4);padding-top:var(--space-3);border-top:1px solid rgba(200,220,228,.4)}.selector-trust-pill{display:inline-flex;align-items:center;gap:.35rem;font-size:.75rem;font-weight:600;color:var(--muted)}.selector-trust-pill svg{color:var(--primary)}.benefits-grid{display:grid;grid-template-columns:1fr;gap:var(--space-6)}@media(min-width:640px){.benefits-grid{grid-template-columns:repeat(2,1fr)}}@media(min-width:1024px){.benefits-grid{grid-template-columns:repeat(4,1fr)}}.benefit-card{background:var(--glass-bg);backdrop-filter:var(--glass-blur-md);-webkit-backdrop-filter:var(--glass-blur-md);border:1px solid var(--glass-border);border-radius:var(--radius-lg);padding:var(--space-6);box-shadow:var(--shadow-sm);transition:all var(--transition-base);display:flex;flex-direction:column;position:relative;overflow:hidden}.benefit-card:before{content:"";position:absolute;top:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,rgba(255,255,255,.8),transparent)}.benefit-card:hover{transform:translateY(-5px);background:var(--glass-bg-hover);box-shadow:var(--shadow-lg);border-color:#fffffff2}.benefit-icon-wrapper{width:54px;height:54px;border-radius:var(--radius-md);background:#ebf5f8e6;border:1px solid rgba(255,255,255,.9);color:var(--primary);display:flex;align-items:center;justify-content:center;margin-bottom:var(--space-4);box-shadow:var(--shadow-xs)}.benefit-icon-wrapper svg{width:26px;height:26px}.benefit-card h3{font-size:1.2rem;margin-bottom:var(--space-3);color:var(--primary-dark)}.benefit-card p{font-size:.9375rem;color:var(--text-secondary);line-height:1.55}.transparency-card{background:var(--glass-bg);backdrop-filter:var(--glass-blur-lg);-webkit-backdrop-filter:var(--glass-blur-lg);border:1px solid var(--glass-border);border-radius:var(--radius-xl);padding:var(--space-6);box-shadow:var(--shadow-md);max-width:880px;margin:0 auto}@media(min-width:768px){.transparency-card{padding:var(--space-8)}}.transparency-table{width:100%;border-collapse:separate;border-spacing:0;margin:var(--space-6) 0;border-radius:var(--radius-md);overflow:hidden;border:1px solid rgba(200,220,228,.6)}.transparency-table th,.transparency-table td{padding:var(--space-4);text-align:left;border-bottom:1px solid rgba(220,234,240,.7);font-size:.9375rem}.transparency-table th{font-weight:700;color:var(--primary-dark);background:#ebf5f8b3;width:40%}.transparency-table td{color:var(--text);background:#ffffff80}.transparency-table tr:last-child th,.transparency-table tr:last-child td{border-bottom:none}.verify-badge{display:inline-block;background:#fffc;color:var(--primary);font-family:monospace;font-size:.8125rem;font-weight:700;padding:.25rem .6rem;border-radius:var(--radius-xs);border:1px dashed var(--primary);box-shadow:var(--shadow-xs)}.transparency-note{font-size:.8125rem;color:var(--text-secondary);line-height:1.5;background:#fff9;backdrop-filter:var(--glass-blur-sm);-webkit-backdrop-filter:var(--glass-blur-sm);padding:var(--space-4);border-radius:var(--radius-sm);border-left:4px solid var(--primary);border-top:1px solid rgba(255,255,255,.8);border-right:1px solid rgba(255,255,255,.8);border-bottom:1px solid rgba(255,255,255,.8)}.purposes-grid{display:grid;grid-template-columns:1fr;gap:var(--space-6)}@media(min-width:640px){.purposes-grid{grid-template-columns:repeat(2,1fr)}}@media(min-width:1024px){.purposes-grid{grid-template-columns:repeat(4,1fr)}}.purpose-card{background:var(--glass-bg);backdrop-filter:var(--glass-blur-md);-webkit-backdrop-filter:var(--glass-blur-md);border:1px solid var(--glass-border);border-radius:var(--radius-lg);padding:var(--space-6);transition:all var(--transition-base);text-align:left;display:flex;flex-direction:column;box-shadow:var(--shadow-sm);position:relative;overflow:hidden}.purpose-card:before{content:"";position:absolute;top:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,rgba(255,255,255,.9),transparent)}.purpose-card:hover{border-color:#f2a33a99;box-shadow:0 12px 32px -4px #f2a33a26,var(--shadow-md);background:var(--glass-bg-hover);transform:translateY(-4px)}.purpose-icon{width:50px;height:50px;border-radius:var(--radius-md);background:#fef3c7b3;border:1px solid rgba(255,255,255,.9);color:var(--accent-dark);display:flex;align-items:center;justify-content:center;margin-bottom:var(--space-4);box-shadow:var(--shadow-xs)}.purpose-icon svg{width:24px;height:24px}.purpose-card h3{font-size:1.125rem;margin-bottom:var(--space-2);color:var(--primary-dark)}.purpose-card p{font-size:.875rem;color:var(--text-secondary)}.steps-grid{display:grid;grid-template-columns:1fr;gap:var(--space-8);position:relative}@media(min-width:768px){.steps-grid{grid-template-columns:repeat(3,1fr)}}.step-card{background:var(--glass-bg);backdrop-filter:var(--glass-blur-md);-webkit-backdrop-filter:var(--glass-blur-md);border:1px solid var(--glass-border);border-radius:var(--radius-xl);padding:var(--space-8) var(--space-6);position:relative;display:flex;flex-direction:column;box-shadow:var(--shadow-sm);transition:all var(--transition-base);overflow:hidden}.step-card:before{content:"";position:absolute;top:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,rgba(255,255,255,.95),transparent)}.step-card:hover{transform:translateY(-4px);background:var(--glass-bg-hover);box-shadow:var(--shadow-lg)}.step-number{font-size:2.75rem;font-weight:900;color:var(--primary);opacity:.3;line-height:1;margin-bottom:var(--space-4);text-shadow:0 2px 6px rgba(11,82,107,.1)}.step-card h3{font-size:1.25rem;margin-bottom:var(--space-3);color:var(--primary-dark)}.step-card p{font-size:.9375rem;color:var(--text-secondary);line-height:1.6}.calculator-card{background:var(--glass-bg);backdrop-filter:var(--glass-blur-lg);-webkit-backdrop-filter:var(--glass-blur-lg);border:1px solid var(--glass-border);border-radius:var(--radius-xl);box-shadow:var(--shadow-xl);padding:var(--space-6);position:relative}.calculator-card:before{content:"";position:absolute;top:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,rgba(255,255,255,1),transparent);border-radius:var(--radius-xl) var(--radius-xl) 0 0}@media(min-width:992px){.calculator-card{padding:var(--space-8)}}.calculator-grid{display:grid;grid-template-columns:1fr;gap:var(--space-8)}@media(min-width:992px){.calculator-grid{grid-template-columns:1.1fr .9fr;gap:var(--space-10)}}.calc-input-group{margin-bottom:var(--space-6)}.calc-input-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:var(--space-2)}.calc-label{font-size:.9375rem;font-weight:700;color:var(--primary-dark)}.calc-val-badge{font-size:1.125rem;font-weight:800;color:var(--primary-dark);background:#ffffffd9;backdrop-filter:var(--glass-blur-sm);-webkit-backdrop-filter:var(--glass-blur-sm);padding:.25rem .75rem;border-radius:var(--radius-sm);border:1px solid rgba(255,255,255,.95);box-shadow:var(--shadow-xs)}.term-options{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--space-2);margin-top:var(--space-3)}.term-btn{background:#ffffffa6;backdrop-filter:var(--glass-blur-sm);-webkit-backdrop-filter:var(--glass-blur-sm);border:1px solid rgba(200,220,228,.7);border-radius:var(--radius-sm);padding:.6rem .25rem;font-size:.8125rem;font-weight:700;color:var(--text-secondary);cursor:pointer;text-align:center;transition:all var(--transition-fast);box-shadow:var(--shadow-xs)}.term-btn:hover{border-color:var(--primary-light);color:var(--primary-dark);background:#fffffff2;transform:translateY(-1px)}.term-btn.active{background:linear-gradient(135deg,#0b526b,#073747);color:var(--white);border-color:#ffffff4d;box-shadow:0 4px 12px #0b526b40,inset 0 1px #ffffff4d}.calc-results-panel{background:linear-gradient(145deg,#ebf5f8d9,#d7ebf2b3);backdrop-filter:var(--glass-blur-md);-webkit-backdrop-filter:var(--glass-blur-md);border-radius:var(--radius-lg);border:1px solid rgba(255,255,255,.9);padding:var(--space-6);display:flex;flex-direction:column;justify-content:space-between;box-shadow:inset 0 1px 1px #fffc,0 8px 24px -4px #0b526b14}.calc-results-header{margin-bottom:var(--space-6)}.calc-results-header .label{font-size:.875rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--primary);margin-bottom:var(--space-2)}.monthly-payment-amount{font-size:clamp(2rem,3.5vw,2.75rem);font-weight:800;color:var(--primary-dark);line-height:1.1;letter-spacing:-.02em;text-shadow:0 2px 8px rgba(11,82,107,.1)}.monthly-payment-sub{font-size:.875rem;color:var(--text-secondary);margin-top:var(--space-1)}.calc-breakdown-list{list-style:none;margin:var(--space-6) 0;border-top:1px solid rgba(200,220,228,.7);border-bottom:1px solid rgba(200,220,228,.7);padding:var(--space-4) 0}.calc-breakdown-item{display:flex;align-items:center;justify-content:space-between;padding:var(--space-2) 0;font-size:.9375rem}.calc-breakdown-item .label{color:var(--text-secondary);font-weight:500}.calc-breakdown-item .value{font-weight:700;color:var(--primary-dark)}.calc-disclaimer{font-size:.75rem;color:var(--muted);line-height:1.45;margin-top:var(--space-4)}.faq-list{display:flex;flex-direction:column;gap:var(--space-3);max-width:860px;margin:0 auto}.faq-item{background:var(--glass-bg);backdrop-filter:var(--glass-blur-md);-webkit-backdrop-filter:var(--glass-blur-md);border:1px solid var(--glass-border);border-radius:var(--radius-md);overflow:hidden;box-shadow:var(--shadow-xs);transition:all var(--transition-base)}.faq-item:hover{background:var(--glass-bg-hover);border-color:#fffffff2;box-shadow:var(--shadow-sm)}.faq-item.active{background:#ffffffeb;border-color:var(--primary);box-shadow:var(--shadow-md)}.faq-trigger{width:100%;display:flex;align-items:center;justify-content:space-between;gap:var(--space-4);padding:var(--space-5) var(--space-6);background:none;border:none;text-align:left;font-size:1.0625rem;font-weight:700;color:var(--primary-dark);cursor:pointer;transition:color var(--transition-fast)}.faq-trigger:hover{color:var(--primary-light)}.faq-icon{width:24px;height:24px;color:var(--primary);flex-shrink:0;transition:transform var(--transition-base)}.faq-item.active .faq-icon{transform:rotate(180deg)}.faq-content{display:none;padding:0 var(--space-6) var(--space-6);color:var(--text-secondary);font-size:.9375rem;line-height:1.65}.faq-item.active .faq-content{display:block}.faq-filter-bar{max-width:860px;margin:0 auto var(--space-8);display:flex;flex-direction:column;gap:var(--space-4)}.faq-search-wrap{position:relative}.faq-search-input{width:100%;padding:.85rem 1rem .85rem 3rem;border:1px solid rgba(200,220,228,.8);border-radius:var(--radius-md);font-size:1rem;background:#fffc;backdrop-filter:var(--glass-blur-sm);-webkit-backdrop-filter:var(--glass-blur-sm);box-shadow:var(--shadow-xs);transition:all var(--transition-fast)}.faq-search-input:focus{background:#fff;border-color:var(--primary);box-shadow:0 0 0 3px #0b526b26}.faq-search-icon{position:absolute;left:1rem;top:50%;transform:translateY(-50%);color:var(--muted);width:20px;height:20px}.faq-categories{display:flex;flex-wrap:wrap;gap:var(--space-2)}.faq-cat-btn{background:#ffffffb3;backdrop-filter:var(--glass-blur-sm);-webkit-backdrop-filter:var(--glass-blur-sm);border:1px solid rgba(200,220,228,.7);border-radius:var(--radius-pill);padding:.4rem 1rem;font-size:.875rem;font-weight:600;color:var(--text-secondary);cursor:pointer;box-shadow:var(--shadow-xs);transition:all var(--transition-fast)}.faq-cat-btn.active,.faq-cat-btn:hover{background:linear-gradient(135deg,#0b526b,#073747);color:var(--white);border-color:#ffffff4d;box-shadow:0 4px 12px #0b526b33}.apply-card{background:var(--glass-bg);backdrop-filter:var(--glass-blur-lg);-webkit-backdrop-filter:var(--glass-blur-lg);border:1px solid var(--glass-border);border-radius:var(--radius-xl);box-shadow:var(--shadow-xl);padding:var(--space-6);max-width:1045px;margin:0 auto;position:relative}.apply-card:before{content:"";position:absolute;top:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,rgba(255,255,255,1),transparent);border-radius:var(--radius-xl) var(--radius-xl) 0 0}@media(min-width:768px){.apply-card{padding:var(--space-8) var(--space-10)}}.external-form-wrapper{width:100%;min-height:480px;position:relative}.external-form-embed-area{width:100%;min-height:400px;display:flex;flex-direction:column}.external-form-embed-area iframe{width:100%;min-height:600px;border:none;border-radius:var(--radius-md)}.external-form-placeholder{display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:var(--space-10) var(--space-6);border:2px dashed rgba(11,82,107,.25);border-radius:var(--radius-lg);background:#fff9;min-height:380px}.external-form-placeholder-icon{width:56px;height:56px;border-radius:50%;background:#0b526b14;color:var(--primary);display:inline-flex;align-items:center;justify-content:center;margin-bottom:var(--space-4)}.external-form-placeholder h3{font-size:1.25rem;color:var(--primary-dark);margin-bottom:var(--space-2)}.external-form-placeholder p{max-width:480px;font-size:.9375rem;color:var(--text-secondary);margin-bottom:var(--space-4);line-height:1.6}.external-form-placeholder code{background:#e8f1f4;color:var(--primary-dark);padding:.25rem .6rem;border-radius:4px;font-size:.8125rem;font-family:monospace}.progress-track{width:100%;height:8px;background:#c8dce499;border-radius:var(--radius-pill);margin-bottom:var(--space-8);overflow:hidden;box-shadow:inset 0 1px 2px #0000000d}.progress-fill{height:100%;background:linear-gradient(90deg,#f2a33a,#e59325);box-shadow:0 0 12px var(--accent-glow);transition:width var(--transition-base);width:25%}.step-indicator{display:flex;justify-content:space-between;margin-bottom:var(--space-8)}.step-dot{display:flex;flex-direction:column;align-items:center;gap:var(--space-1);font-size:.75rem;font-weight:700;color:var(--muted)}.step-dot-circle{width:34px;height:34px;border-radius:50%;background:#ffffffb3;backdrop-filter:var(--glass-blur-sm);-webkit-backdrop-filter:var(--glass-blur-sm);border:2px solid rgba(200,220,228,.8);display:flex;align-items:center;justify-content:center;color:var(--muted);font-weight:700;font-size:.875rem;box-shadow:var(--shadow-xs);transition:all var(--transition-base)}.step-dot.active .step-dot-circle{background:linear-gradient(135deg,#0b526b,#073747);border-color:#fff6;color:var(--white);box-shadow:0 4px 12px #0b526b4d}.step-dot.completed .step-dot-circle{background:var(--success);border-color:#fff6;color:var(--white);box-shadow:0 4px 12px #0e7b544d}.form-step{display:none}.form-step.active{display:block}.form-group{margin-bottom:var(--space-5)}.form-label{display:block;font-size:.875rem;font-weight:700;color:var(--primary-dark);margin-bottom:var(--space-2)}.form-control{width:100%;min-height:48px;padding:.75rem 1rem;border:1px solid rgba(200,220,228,.8);border-radius:var(--radius-sm);font-size:1rem;color:var(--text);background:#fffc;backdrop-filter:var(--glass-blur-sm);-webkit-backdrop-filter:var(--glass-blur-sm);box-shadow:inset 0 1px 2px #00000005;transition:all var(--transition-fast)}.form-control:focus{background:#fff;border-color:var(--primary);box-shadow:0 0 0 3px #0b526b26}.form-hint{font-size:.75rem;color:var(--muted);margin-top:var(--space-1)}.form-checkbox-label{display:flex;align-items:flex-start;gap:var(--space-3);font-size:.8125rem;color:var(--text-secondary);line-height:1.5;cursor:pointer}.form-checkbox-label input[type=checkbox]{width:18px;height:18px;margin-top:2px;accent-color:var(--primary);flex-shrink:0}.form-actions{display:flex;align-items:center;justify-content:space-between;gap:var(--space-4);margin-top:var(--space-8);padding-top:var(--space-6);border-top:1px solid rgba(200,220,228,.6)}.demo-banner{background:#fef3c7cc;backdrop-filter:var(--glass-blur-sm);-webkit-backdrop-filter:var(--glass-blur-sm);border:1px solid rgba(245,158,11,.4);color:#7b4c0a;padding:var(--space-4);border-radius:var(--radius-sm);font-size:.8125rem;line-height:1.5;margin-bottom:var(--space-6);display:flex;align-items:center;gap:var(--space-3);box-shadow:var(--shadow-xs)}.demo-banner svg{width:24px;height:24px;flex-shrink:0;color:var(--warning)}.final-cta{background:linear-gradient(135deg,#073747,#0b526b,#167a9c);color:var(--white);text-align:center;padding-top:var(--space-16);padding-bottom:var(--space-16);position:relative;overflow:hidden}.final-cta:before{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:radial-gradient(circle at 50% 30%,rgba(242,163,58,.15) 0%,transparent 60%);pointer-events:none}.final-cta h2{color:var(--white);margin-bottom:var(--space-4);text-shadow:0 2px 10px rgba(0,0,0,.2)}.final-cta p{color:#ffffffe6;font-size:1.125rem;max-width:640px;margin:0 auto var(--space-8)}.site-footer{background:#0a171ef5;backdrop-filter:var(--glass-blur-lg);-webkit-backdrop-filter:var(--glass-blur-lg);border-top:1px solid rgba(255,255,255,.08);color:#b2c2cb;padding-top:var(--space-16);padding-bottom:var(--space-10);font-size:.875rem}.footer-grid{display:grid;grid-template-columns:1fr;gap:var(--space-8);margin-bottom:var(--space-12)}@media(min-width:640px){.footer-grid{grid-template-columns:repeat(2,1fr)}}@media(min-width:1024px){.footer-grid{grid-template-columns:1.6fr 1fr 1fr 1fr;gap:var(--space-10)}}.footer-brand h4{color:var(--white);font-size:1.35rem;margin-bottom:var(--space-3);display:flex;align-items:center;gap:var(--space-2)}.footer-brand p{color:#8c9fa8;font-size:.875rem;line-height:1.6}.footer-col h5{color:var(--white);font-size:.9375rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;margin-bottom:var(--space-4)}.footer-links{list-style:none;display:flex;flex-direction:column;gap:var(--space-2)}.footer-links a{color:#b2c2cb;font-size:.875rem;transition:color var(--transition-fast)}.footer-links a:hover{color:var(--accent)}.footer-disclosure-block{background:#ffffff0a;backdrop-filter:var(--glass-blur-sm);-webkit-backdrop-filter:var(--glass-blur-sm);border:1px solid rgba(255,255,255,.08);border-radius:var(--radius-md);padding:var(--space-6);margin-bottom:var(--space-8);box-shadow:inset 0 1px #ffffff0d}.footer-disclosure-block h6{color:#e2ecf0;font-size:.8125rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;margin-bottom:var(--space-3)}.footer-disclosure-block p{color:#8c9fa8;font-size:.75rem;line-height:1.65;margin-bottom:var(--space-3);max-width:100%}.footer-bottom{display:flex;flex-direction:column;gap:var(--space-4);align-items:center;justify-content:space-between;padding-top:var(--space-6);border-top:1px solid rgba(255,255,255,.08);font-size:.75rem;color:#6c818c}@media(min-width:768px){.footer-bottom{flex-direction:row}}.page-hero{position:relative;padding-top:var(--space-12);padding-bottom:var(--space-12);text-align:center;border-bottom:1px solid rgba(255,255,255,.6)}.page-hero h1{margin-bottom:var(--space-3);color:var(--primary-dark)}.page-hero p{font-size:1.125rem;color:var(--text-secondary);margin:0 auto}.content-article{max-width:840px;margin:0 auto;font-size:1.0625rem;line-height:1.7}.content-article h2{margin-top:var(--space-10);margin-bottom:var(--space-4);color:var(--primary-dark)}.content-article h3{margin-top:var(--space-8);margin-bottom:var(--space-3);color:var(--text)}.content-article p{margin-bottom:var(--space-5);font-size:1.0625rem;line-height:1.7}.content-article ul,.content-article ol{margin-bottom:var(--space-6);padding-left:var(--space-6)}.content-article li{margin-bottom:var(--space-2);color:var(--text-secondary)}.callout-box{background:var(--glass-bg);backdrop-filter:var(--glass-blur-md);-webkit-backdrop-filter:var(--glass-blur-md);border-left:4px solid var(--primary);border-top:1px solid var(--glass-border);border-right:1px solid var(--glass-border);border-bottom:1px solid var(--glass-border);border-radius:0 var(--radius-md) var(--radius-md) 0;padding:var(--space-6);margin:var(--space-8) 0;box-shadow:var(--shadow-sm)}.callout-box h4{color:var(--primary-dark);margin-bottom:var(--space-2)}.callout-box p{font-size:.9375rem;margin-bottom:0}.comparison-grid{display:grid;grid-template-columns:1fr;gap:var(--space-6);margin:var(--space-8) 0}@media(min-width:768px){.comparison-grid{grid-template-columns:repeat(3,1fr)}}.comparison-card{background:var(--glass-bg);backdrop-filter:var(--glass-blur-md);-webkit-backdrop-filter:var(--glass-blur-md);border:1px solid var(--glass-border);border-radius:var(--radius-lg);padding:var(--space-6);box-shadow:var(--shadow-sm);transition:all var(--transition-base)}.comparison-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md);background:var(--glass-bg-hover)}.comparison-card h4{color:var(--primary-dark);margin-bottom:var(--space-3);font-size:1.125rem}.comparison-card ul{list-style:none;padding-left:0;margin-bottom:0}.comparison-card li{font-size:.875rem;padding:var(--space-1) 0;display:flex;align-items:baseline;gap:var(--space-2)}.policy-toc{background:var(--glass-bg);backdrop-filter:var(--glass-blur-md);-webkit-backdrop-filter:var(--glass-blur-md);border:1px solid var(--glass-border);border-radius:var(--radius-md);padding:var(--space-6);margin-bottom:var(--space-10);box-shadow:var(--shadow-sm)}.policy-toc h3{font-size:1.125rem;color:var(--primary-dark);margin-top:0;margin-bottom:var(--space-3);display:flex;align-items:center;gap:var(--space-2)}.policy-toc-grid{display:grid;grid-template-columns:1fr;gap:var(--space-2) var(--space-6)}@media(min-width:640px){.policy-toc-grid{grid-template-columns:repeat(2,1fr)}}.policy-toc a{color:var(--primary);font-size:.9375rem;font-weight:600;text-decoration:none;display:flex;align-items:center;gap:.5rem;padding:.25rem 0;transition:color var(--transition-fast)}.policy-toc a:hover{color:var(--primary-dark);text-decoration:underline}.policy-table-wrapper{overflow-x:auto;margin:var(--space-6) 0 var(--space-8);border:1px solid rgba(200,220,228,.8);border-radius:var(--radius-md);background:#fff;box-shadow:var(--shadow-xs)}.policy-table{width:100%;border-collapse:collapse;text-align:left;font-size:.875rem}.policy-table th{background:#f0f7f9;color:var(--primary-dark);font-weight:700;padding:var(--space-3) var(--space-4);border-bottom:1px solid rgba(200,220,228,.9);white-space:nowrap}.policy-table td{padding:var(--space-3) var(--space-4);border-bottom:1px solid rgba(200,220,228,.5);color:var(--text-secondary);vertical-align:top;line-height:1.5}.policy-table tr:last-child td{border-bottom:none}.policy-table tr:hover td{background:#f0f7f966}.policy-highlight-card{background:linear-gradient(135deg,#ebf5f8b3,#ffffffe6);border:1px solid rgba(11,82,107,.15);border-left:4px solid var(--primary);border-radius:var(--radius-md);padding:var(--space-5) var(--space-6);margin:var(--space-6) 0}.policy-highlight-card h4{color:var(--primary-dark);margin-top:0;margin-bottom:var(--space-2);font-size:1.0625rem}.policy-highlight-card p:last-child{margin-bottom:0}