:root{
    --navy: #0F1E64;
    --navy-deep: #081345;
    --brass: #EC4A8C;
    --brass-light: #F394B9;
    --paper: #F7F8FC;
    --paper-dim: #E9ECF5;
    --ink: #0F1E64;
    --ink-soft: #4A5266;
    --white: #FFFFFF;
    --danger: #A13D3D;
    --ok: #3D6B4F;
    --radius: 4px;
    --font-display: 'Oswald', sans-serif;
    --font-body: 'IBM Plex Sans', sans-serif;
    --font-mono: 'IBM Plex Mono', monospace;
  }

  *{box-sizing:border-box; margin:0; padding:0;}
  html{scroll-behavior:smooth;}
  .sr-only{
    position:absolute; width:1px; height:1px;
    padding:0; margin:-1px; overflow:hidden;
    clip:rect(0,0,0,0); white-space:nowrap; border:0;
  }
  body{
    font-family: var(--font-body);
    background: var(--paper);
    color: var(--ink);
    line-height: 1.5;
    -webkit-font-smoothing: antialiased;
  }
  img{max-width:100%; display:block;}
  a{color:inherit;}
  .wrap{max-width:1160px; margin:0 auto; padding:0 24px;}

  /* ---------- header ---------- */
  header.site {
    border-bottom: 1px solid #E2E8F0;
  }
  .header-top-bar {
    background: var(--navy-deep);
    color: var(--white);
    font-size: 12px;
    padding: 8px 0;
  }
  .header-top-inner {
    max-width: 1160px;
    margin: 0 auto;
    padding: 0 24px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-weight: 500;
  }
  .header-main-bar {
    background: var(--white);
    padding: 14px 0;
  }
  .header-main-inner {
    max-width: 1160px;
    margin: 0 auto;
    padding: 0 24px;
    display: flex;
    align-items: center;
  }
  .brand img {
    height: 38px;
    width: auto;
    display: block;
  }

  /* ---------- hero ---------- */
  .hero{
    background: linear-gradient(180deg, var(--navy) 0%, var(--navy-deep) 100%);
    color: var(--paper);
    position: relative;
    overflow:hidden;
  }
  .hero::after{
    content:"";
    position:absolute; inset:0;
    background-image: repeating-linear-gradient(135deg, rgba(243,148,185,0.05) 0 2px, transparent 2px 26px);
    pointer-events:none;
  }
  .hero-inner{
    max-width:1040px; margin:0 auto; padding: 44px 24px 52px;
    position:relative; z-index:1;
    text-align:center;
  }
  .eyebrow{
    display:inline-flex; align-items:center; gap:8px;
    font-family: var(--font-mono);
    font-size: 12.5px;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--brass-light);
    border: 1px solid rgba(243,148,185,0.4);
    padding: 6px 12px;
    border-radius: 999px;
    margin-bottom: 20px;
  }
  .hero-banner-link{
    display:block;
    border-radius: 14px;
    overflow: hidden;
    box-shadow: 0 24px 56px rgba(0,0,0,0.4);
    border: 1px solid rgba(243,148,185,0.3);
    transition: transform .2s ease, box-shadow .2s ease;
  }
  .hero-banner-link:hover{
    transform: translateY(-3px);
    box-shadow: 0 30px 64px rgba(0,0,0,0.48);
  }
  .hero-banner-img{
    width:100%;
    height:auto;
    display:block;
  }
  .hero-caption{
    margin-top: 18px;
    font-size: 12.5px;
    color: #9AA0B4;
  }

  @media (max-width: 880px){
    .hero-inner{ padding: 36px 18px 44px; }
  }

  /* ---------- application form ---------- */
  .apply-section{ padding: 56px 0 64px; }
  .apply-card{
    background: var(--white);
    border: 1px solid var(--paper-dim);
    border-radius: 6px;
    box-shadow: 0 18px 40px rgba(15,30,100,0.08);
    overflow: hidden;
  }
  .apply-card-strip{
    background: var(--brass);
    color: var(--navy-deep);
    padding: 12px 26px;
    display:flex; align-items:center; justify-content:space-between;
    font-family: var(--font-mono);
    font-size: 11.5px;
    letter-spacing: 0.06em;
    text-transform: uppercase;
  }
  .apply-card-body{ padding: 30px 28px 30px; }

  /* ---------- documents required section ---------- */
  .documents-required {
    background: #F8FAFC;
    border: 1.5px dashed #CBD5E1;
    border-radius: 8px;
    padding: 18px 24px;
    margin-bottom: 28px;
  }
  .documents-title {
    font-family: var(--font-display);
    font-size: 16px;
    font-weight: 600;
    color: var(--navy-deep);
    margin-bottom: 14px;
    text-transform: uppercase;
    letter-spacing: 0.02em;
    display: flex;
    align-items: center;
    gap: 8px;
  }
  .documents-list {
    list-style: none;
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 12px 20px;
  }
  .documents-list li {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 14px;
    color: var(--ink-soft);
    font-weight: 500;
  }
  .documents-list li span {
    font-size: 18px;
  }
  @media (max-width: 768px) {
    .documents-list {
      grid-template-columns: 1fr;
      gap: 10px;
    }
  }

  .apply-title{
    font-family: var(--font-display);
    font-size: 24px;
    font-weight: 600;
    margin-bottom: 4px;
  }
  .apply-desc{
    font-size: 13.5px;
    color: var(--ink-soft);
    margin-bottom: 8px;
  }

  .form-section{ margin-top: 30px; }
  .form-section:first-of-type{ margin-top: 22px; }
  .form-section-title{
    font-family: var(--font-display);
    font-size: 15.5px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.03em;
    color: var(--navy);
    border-bottom: 2px solid var(--paper-dim);
    padding-bottom: 8px;
    margin-bottom: 18px;
  }

  .field{ margin-bottom: 14px; }
  .field label{
    display:block;
    font-size: 12.5px;
    font-weight: 600;
    color: var(--ink-soft);
    margin-bottom: 6px;
    letter-spacing: 0.01em;
  }
  .field .hint{
    font-size: 11.5px;
    color: #8A90A6;
    font-weight: 400;
    margin-left: 4px;
  }
  .field input, .field select{
    width: 100%;
    padding: 11px 12px;
    font-family: var(--font-body);
    font-size: 14.5px;
    border: 1.5px solid #D7DCEB;
    border-radius: var(--radius);
    background: var(--white);
    color: var(--ink);
    outline: none;
    transition: border-color .15s ease, box-shadow .15s ease;
  }
  .field input:focus, .field select:focus{
    border-color: var(--navy);
    box-shadow: 0 0 0 3px rgba(15,30,100,0.10);
  }
  .field-row{ display:grid; grid-template-columns: 1fr 1fr; gap: 14px; }
  .field-row-3{ display:grid; grid-template-columns: 1fr 1fr 1fr; gap: 14px; }

  .radio-group{ display:flex; gap: 20px; margin-top: 4px; }
  .radio-option{ display:flex; align-items:center; gap: 6px; font-size: 14px; }
  .radio-option input{ width:auto; accent-color: var(--navy); }

  /* file upload */
  .upload-box{
    border: 1.5px dashed #C7CEE3;
    border-radius: var(--radius);
    background: var(--paper);
    padding: 22px;
    text-align:center;
    cursor:pointer;
    transition: border-color .15s ease, background .15s ease;
  }
  .upload-box:hover, .upload-box.dragover{
    border-color: var(--brass);
    background: #FDF1F6;
  }
  .upload-box input[type=file]{ display:none; }
  .upload-icon{
    font-size: 22px;
    color: var(--brass);
    margin-bottom: 6px;
  }
  .upload-label-main{
    font-size: 13.5px;
    font-weight: 600;
    color: var(--navy);
  }
  .upload-label-sub{
    font-size: 11.5px;
    color: var(--ink-soft);
    margin-top: 3px;
  }
  .upload-filelist{
    margin-top: 12px;
    text-align:left;
    display:flex;
    flex-direction:column;
    gap: 6px;
  }
  .upload-file-item{
    display:flex; align-items:center; justify-content:space-between;
    background: var(--white);
    border: 1px solid var(--paper-dim);
    border-radius: var(--radius);
    padding: 8px 10px;
    font-size: 12.5px;
    color: var(--ink);
  }
  .upload-file-item button{
    background:none; border:none; color: var(--danger);
    font-size: 12px; cursor:pointer; font-weight:600;
  }
  .upload-error{
    font-size: 12px;
    color: var(--danger);
    margin-top: 6px;
    display:none;
  }
  .upload-error.show{ display:block; }

  .consent{
    display:flex; gap: 10px;
    align-items:flex-start;
    background: var(--paper-dim);
    border: 1px solid #DCE2F0;
    border-radius: var(--radius);
    padding: 12px;
    margin: 6px 0;
  }
  .consent input{
    margin-top: 3px;
    width: 16px; height:16px;
    accent-color: var(--navy);
    flex: 0 0 auto;
  }
  .consent label{
    font-size: 12.5px;
    color: var(--ink-soft);
    line-height:1.5;
  }
  .consent label a{ color: var(--navy); text-decoration: underline; }

  .btn-submit{
    width: 100%;
    background: var(--navy);
    color: var(--paper);
    border: none;
    padding: 15px 18px;
    font-family: var(--font-display);
    font-size: 15px;
    font-weight: 600;
    letter-spacing: 0.03em;
    text-transform: uppercase;
    border-radius: var(--radius);
    cursor: pointer;
    margin-top: 8px;
    transition: background .15s ease, transform .1s ease;
  }
  .btn-submit:hover{ background: var(--navy-deep); }
  .btn-submit:active{ transform: translateY(1px); }
  .btn-submit:disabled{ opacity:0.6; cursor:not-allowed; }

  .form-msg{
    font-size: 13px;
    margin-top: 10px;
    display:none;
    padding: 10px 12px;
    border-radius: var(--radius);
  }
  .form-msg.error{ display:block; background:#F7E9E9; color: var(--danger); border:1px solid #E3BEBE; }
  .form-msg.success{ display:block; background:#E8F0EA; color: var(--ok); border:1px solid #BFD8C6; }

  /* ---------- divider ---------- */
  .stripe-divider{
    height: 10px;
    background: repeating-linear-gradient(135deg, var(--brass) 0 6px, var(--navy) 6px 12px);
  }

  /* ---------- eligibility strip ---------- */
  .eligibility{ background: var(--white); border-bottom: 1px solid var(--paper-dim); }
  .eligibility-inner{
    max-width:1160px; margin:0 auto; padding: 20px 24px;
    display:flex; flex-wrap:wrap; gap: 28px; justify-content:space-between;
    font-family: var(--font-mono);
    font-size: 12.5px;
    color: var(--ink-soft);
  }
  .eligibility-inner b{ color: var(--ink); font-weight:600; }

  /* ---------- benefits ---------- */
  .section{ padding: 64px 0; }
  .section-head{ max-width: 60ch; margin-bottom: 40px; }
  .section-eyebrow{
    font-family: var(--font-mono);
    font-size: 12px;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--brass);
    margin-bottom: 10px;
  }
  .section-title{
    font-family: var(--font-display);
    font-size: clamp(24px, 3vw, 32px);
    font-weight: 600;
    color: var(--navy);
  }

  .benefits-grid{
    display:grid; grid-template-columns: repeat(4, 1fr); gap: 1px;
    background: var(--paper-dim); border: 1px solid var(--paper-dim);
  }
  .benefit-card{ background: var(--white); padding: 26px 22px; }
  .benefit-num{ font-family: var(--font-mono); font-size: 11px; color: var(--brass); margin-bottom: 14px; }
  .benefit-val{ font-family: var(--font-display); font-size: 28px; font-weight: 600; color: var(--navy); margin-bottom: 4px; }
  .benefit-label{ font-size: 13px; color: var(--ink-soft); }

  /* ---------- how it works ---------- */
  .steps{ background: var(--navy); color: var(--paper); }
  .steps .section-title{ color: var(--paper); }
  .steps .section-eyebrow{ color: var(--brass-light); }
  .steps-grid{ display:grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
  .step{ border-left: 2px solid var(--brass); padding-left: 18px; }
  .step-num{ font-family: var(--font-mono); font-size: 13px; color: var(--brass-light); margin-bottom: 10px; }
  .step-title{ font-family: var(--font-display); font-size: 18px; font-weight: 600; margin-bottom: 8px; }
  .step-desc{ font-size: 13.5px; color: #C9CDDB; }

  /* ---------- footer ---------- */
  footer.site{
    background: var(--navy-deep); color: #9AA0B4;
    padding: 36px 0 28px; font-size: 12px; line-height: 1.7;
  }
  footer.site strong{ color: var(--paper); }
  footer.site .disclaimer{
    border-top: 1px solid rgba(255,255,255,0.08);
    margin-top: 20px; padding-top: 18px;
  }

  /* ---------- responsive ---------- */
  @media (max-width: 880px){
    .benefits-grid{ grid-template-columns: repeat(2, 1fr); }
    .steps-grid{ grid-template-columns: 1fr; gap: 24px; }
    .field-row, .field-row-3{ grid-template-columns: 1fr; }
    .eligibility-inner{ font-size: 11.5px; gap: 14px 20px; }
    .apply-card-body{ padding: 24px 18px; }
  }