:root{--navy:#0a1a33;--navy-2:#0f2747;--navy-3:#183a66;--gold:#c9a227;--gold-2:#e3c25e;--gold-3:#f4e2a6;--ink:#14203a;--muted:#5d6a80;--line:#e5e8ef;--bg:#f8f7f3;--white:#fff;
--grad-gold:linear-gradient(135deg,#f0d77f 0%,#c9a227 50%,#a07d14 100%);--grad-navy:linear-gradient(135deg,#0a1a33 0%,#0f2747 55%,#183a66 100%);
--shadow:0 10px 30px rgba(10,26,51,.08);--shadow-lg:0 24px 60px rgba(10,26,51,.18);--r:18px;--hf:"Montserrat",system-ui,sans-serif;--bf:"Inter",system-ui,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:var(--bf);color:var(--ink);background:var(--white);line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}a{color:var(--navy-3)}
h1,h2,h3,h4{font-family:var(--hf);line-height:1.15;margin:0 0 .5em;letter-spacing:-.01em}
.wrap{max-width:1200px;margin:0 auto;padding:0 22px}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(10,26,51,.92);backdrop-filter:saturate(160%) blur(12px);-webkit-backdrop-filter:blur(12px);transition:box-shadow .3s,background .3s;border-bottom:1px solid rgba(227,194,94,.18)}
.site-header.scrolled{box-shadow:0 8px 28px rgba(0,0,0,.25);background:rgba(10,26,51,.98)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:74px;gap:18px}
.logo img{height:42px;width:auto}
.nav{display:flex;align-items:center;gap:2px}
.nav a{color:#dbe2ee;text-decoration:none;font-weight:500;font-size:.93rem;padding:9px 12px;border-radius:10px;transition:.2s}
.nav a:hover,.nav a.active{color:var(--gold-2);background:rgba(255,255,255,.06)}
.btn{display:inline-flex;align-items:center;gap:8px;font-family:var(--hf);font-weight:700;font-size:.95rem;letter-spacing:.02em;text-decoration:none;padding:14px 26px;border-radius:999px;border:0;cursor:pointer;transition:transform .2s,box-shadow .2s,background .2s}
.btn svg{width:18px;height:18px}
.btn-gold{background:var(--grad-gold);color:var(--navy);box-shadow:0 10px 24px rgba(201,162,39,.35)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 16px 34px rgba(201,162,39,.45)}
.btn-outline{color:#fff;border:1.5px solid rgba(255,255,255,.55)}.btn-outline:hover{background:rgba(255,255,255,.1);border-color:#fff}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-3);transform:translateY(-2px)}
.nav .btn{padding:10px 20px;margin-left:10px;font-size:.88rem}
.burger{display:none;background:none;border:0;color:#fff;padding:8px;cursor:pointer}.burger svg{width:28px;height:28px}
/* hero */
.hero{position:relative;min-height:88vh;display:flex;align-items:center;color:#fff;overflow:hidden;isolation:isolate}
.hero.short{min-height:58vh}
.hero-bg{position:absolute;inset:0;z-index:-2;background-size:cover;background-position:center;transform:scale(1.04);animation:heroZoom 18s ease-out forwards}
@keyframes heroZoom{to{transform:scale(1)}}
.hero:before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,rgba(10,26,51,.96) 0%,rgba(10,26,51,.82) 45%,rgba(15,39,71,.45) 100%)}
.hero:after{content:"";position:absolute;left:0;right:0;bottom:0;height:120px;z-index:-1;background:linear-gradient(to top,rgba(10,26,51,.6),transparent)}
.hero .wrap{padding-top:90px;padding-bottom:90px;width:100%}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:var(--hf);font-weight:700;font-size:.76rem;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-2)}
.eyebrow:before{content:"";width:34px;height:2px;background:var(--grad-gold)}
.hero h1{font-size:clamp(2.3rem,5.6vw,4.3rem);font-weight:800;max-width:860px;margin:18px 0 20px}
.gold-text{background:var(--grad-gold);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero .lead{font-size:clamp(1.05rem,1.6vw,1.25rem);color:#d5ddea;max-width:640px;margin:0}
.hero .actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:34px}
.hero-badges{display:flex;flex-wrap:wrap;gap:12px 26px;margin-top:46px;color:#c9d3e3;font-size:.92rem}
.hero-badges span{display:inline-flex;align-items:center;gap:8px}.hero-badges svg{width:20px;height:20px;color:var(--gold-2)}
/* sections */
section{padding:96px 0;position:relative}
.bg-soft{background:var(--bg)}.bg-navy{background:var(--grad-navy);color:#fff}
.sec-head{max-width:760px;margin-bottom:48px}.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.sec-head h2{font-size:clamp(1.9rem,3.6vw,2.8rem);font-weight:800;color:var(--navy);margin-top:14px}
.bg-navy .sec-head h2{color:#fff}.sec-head p{color:var(--muted);font-size:1.08rem}.bg-navy .sec-head p{color:#c3cde0}
.grid{display:grid;gap:24px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px;box-shadow:var(--shadow);transition:transform .3s,box-shadow .3s,border-color .3s;position:relative;overflow:hidden}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:rgba(201,162,39,.45)}
.card:before{content:"";position:absolute;left:0;top:0;height:4px;width:0;background:var(--grad-gold);transition:width .4s}.card:hover:before{width:100%}
.card h3{font-size:1.15rem;color:var(--navy)}.card p{color:var(--muted);margin:0}
.icon{width:56px;height:56px;border-radius:16px;display:grid;place-items:center;background:linear-gradient(135deg,var(--navy),var(--navy-3));color:var(--gold-2);margin-bottom:20px;box-shadow:0 8px 18px rgba(10,26,51,.25)}
.icon svg{width:26px;height:26px}
.bg-navy .card{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.12);box-shadow:none}.bg-navy .card h3{color:#fff}.bg-navy .card p{color:#c3cde0}
.bg-navy .icon{background:var(--grad-gold);color:var(--navy)}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0;background:#fff;border-radius:var(--r);box-shadow:var(--shadow-lg);margin-top:-70px;position:relative;z-index:5;overflow:hidden}
.stat{padding:30px 24px;text-align:center;border-right:1px solid var(--line)}.stat:last-child{border:0}
.stat b{display:block;font-family:var(--hf);font-size:2.2rem;font-weight:800;color:var(--navy)}.stat span{color:var(--muted);font-size:.9rem}
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.photo{border-radius:24px;overflow:hidden;box-shadow:var(--shadow-lg);position:relative}
.photo img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/3}
.photo-frame{position:relative}.photo-frame:before{content:"";position:absolute;inset:24px -24px -24px 24px;border:2px solid var(--gold);border-radius:24px;z-index:-1}
.float-chip{position:absolute;left:-18px;bottom:28px;background:#fff;border-radius:14px;padding:14px 18px;box-shadow:var(--shadow-lg);display:flex;gap:12px;align-items:center;font-weight:600;color:var(--navy);font-size:.92rem}
.float-chip .icon{width:40px;height:40px;margin:0;border-radius:12px}.float-chip .icon svg{width:20px;height:20px}
ul.ticks{list-style:none;padding:0;margin:22px 0}ul.ticks li{position:relative;padding-left:34px;margin:12px 0;color:var(--ink)}
ul.ticks li:before{content:"";position:absolute;left:0;top:3px;width:22px;height:22px;border-radius:50%;background:var(--grad-gold) center/12px no-repeat;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230a1a33' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E"),var(--grad-gold)}
.bg-navy ul.ticks li{color:#dbe2ee}
/* image band */
.img-band{position:relative;color:#fff;padding:120px 0;background-size:cover;background-position:center;background-attachment:fixed;isolation:isolate}
.img-band:before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(10,26,51,.94),rgba(10,26,51,.7))}
.img-band h2{font-size:clamp(1.9rem,4vw,3rem);font-weight:800;max-width:760px}.img-band p{color:#d5ddea;max-width:620px;font-size:1.1rem}
/* CTA */
.cta{background:var(--grad-navy);border-radius:28px;padding:64px;color:#fff;display:grid;grid-template-columns:1.4fr .6fr;gap:30px;align-items:center;position:relative;overflow:hidden;box-shadow:var(--shadow-lg)}
.cta:after{content:"";position:absolute;right:-90px;top:-90px;width:320px;height:320px;border-radius:50%;border:46px solid rgba(201,162,39,.16)}
.cta h2{font-size:clamp(1.7rem,3.2vw,2.5rem);font-weight:800}.cta p{color:#c3cde0;margin:0}.cta .actions{display:flex;gap:12px;flex-wrap:wrap;justify-content:flex-end;position:relative;z-index:1}
/* timeline / day */
.timeline{position:relative;display:grid;gap:22px}
.timeline:before{content:"";position:absolute;left:27px;top:10px;bottom:10px;width:2px;background:linear-gradient(var(--gold),rgba(201,162,39,.1))}
.tl{display:grid;grid-template-columns:56px 1fr;gap:22px;align-items:start}
.tl .dot{width:56px;height:56px;border-radius:50%;background:var(--navy);color:var(--gold-2);display:grid;place-items:center;box-shadow:0 0 0 6px #fff,0 8px 20px rgba(10,26,51,.25);position:relative;z-index:1}
.bg-soft .tl .dot{box-shadow:0 0 0 6px var(--bg),0 8px 20px rgba(10,26,51,.25)}
.tl .dot svg{width:24px;height:24px}.tl h3{font-size:1.1rem;color:var(--navy);margin:6px 0 4px}.tl p{margin:0;color:var(--muted)}
.tl small{font-family:var(--hf);font-weight:700;color:var(--gold);letter-spacing:.12em;text-transform:uppercase;font-size:.72rem}
/* growth path */
.path{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:p}
.step{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:var(--r);padding:28px;position:relative}
.step:before{counter-increment:p;content:"0" counter(p);font-family:var(--hf);font-weight:800;font-size:2.6rem;background:var(--grad-gold);-webkit-background-clip:text;background-clip:text;color:transparent;display:block;line-height:1;margin-bottom:12px}
.step h3{color:#fff;font-size:1.15rem}.step p{color:#c3cde0;margin:0;font-size:.95rem}
.step:not(:last-child):after{content:"→";position:absolute;right:-16px;top:50%;transform:translateY(-50%);color:var(--gold-2);font-size:1.4rem;z-index:2}

.eight{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.eight div{background:#fff;border-radius:16px;padding:22px;border:1px solid var(--line);box-shadow:var(--shadow);font-family:var(--hf);font-weight:600;color:var(--navy);font-size:.98rem}
.eight div b{display:block;font-size:.72rem;letter-spacing:.18em;color:var(--gold);margin-bottom:6px}
/* quote */
.quote{background:#fff;border-radius:var(--r);padding:30px;box-shadow:var(--shadow);border:1px solid var(--line)}
.quote p{font-size:1.05rem;color:var(--ink);font-style:italic}.quote .who{display:flex;gap:12px;align-items:center;margin-top:16px;color:var(--muted);font-size:.9rem}
.quote .av{width:44px;height:44px;border-radius:50%;background:var(--grad-gold);display:grid;place-items:center;font-family:var(--hf);font-weight:800;color:var(--navy)}
/* forms */
.form-card{background:#fff;border-radius:24px;padding:40px;box-shadow:var(--shadow-lg);border:1px solid var(--line);position:relative}
.form-card:before{content:"";position:absolute;left:40px;right:40px;top:0;height:5px;border-radius:0 0 6px 6px;background:var(--grad-gold)}
.form-card h3{font-size:1.5rem;color:var(--navy)}
.fr{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:block;font-weight:600;font-size:.86rem;margin:16px 0 6px;color:var(--navy)}
input,select,textarea{width:100%;padding:13px 14px;border:1.5px solid var(--line);border-radius:12px;font:inherit;font-size:.95rem;background:#fbfcfe;transition:border .2s,box-shadow .2s}
input:focus,select:focus,textarea:focus{outline:0;border-color:var(--gold);box-shadow:0 0 0 4px rgba(201,162,39,.15)}
textarea{min-height:110px;resize:vertical}.check-row{display:flex;gap:10px;align-items:flex-start;font-weight:400;color:var(--muted)}.check-row input{width:auto;margin-top:4px}
.form-note{font-size:.8rem;color:var(--muted);margin-top:12px}.hidden{display:none}
/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin:12px 0;box-shadow:var(--shadow)}
.faq summary{font-family:var(--hf);font-weight:700;color:var(--navy);cursor:pointer;list-style:none;display:flex;justify-content:space-between}
.faq summary:after{content:"+";color:var(--gold);font-size:1.4rem;line-height:1}.faq details[open] summary:after{content:"–"}
.faq p{color:var(--muted);margin:12px 0 0}

.placeholder{border:1.5px dashed rgba(201,162,39,.55);border-radius:var(--r);padding:34px;text-align:center;color:var(--muted);background:#fffdf6}
/* states */
.states{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:16px}
.state{display:flex;align-items:center;gap:14px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px;box-shadow:var(--shadow)}
.state b{width:46px;height:46px;border-radius:12px;background:var(--grad-navy);color:var(--gold-2);display:grid;place-items:center;font-family:var(--hf)}
.state div{font-weight:600;color:var(--navy)}.state small{display:block}
/* footer */
footer{background:#071326;color:#aab6ca;padding:80px 0 30px;font-size:.93rem}
footer .cols{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:40px}
footer h4{color:#fff;font-size:.95rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:16px}
footer a{color:#dbe2ee;text-decoration:none;display:block;margin:8px 0}footer a:hover{color:var(--gold-2)}
footer .logo img{height:44px;margin-bottom:18px}.social{display:flex;gap:10px;margin-top:16px}
.social a{width:40px;height:40px;border-radius:50%;display:grid;place-items:center;background:rgba(255,255,255,.07);margin:0}.social svg{width:18px;height:18px}
.legal{border-top:1px solid rgba(255,255,255,.08);margin-top:50px;padding-top:24px;font-size:.8rem;display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px}
/* mobile apply bar */
.mobile-apply{display:none}
/* reveal */
.reveal{opacity:0;transform:translateY(28px);transition:opacity .8s cubic-bezier(.2,.7,.2,1),transform .8s cubic-bezier(.2,.7,.2,1)}
.reveal.in{opacity:1;transform:none}.d1{transition-delay:.08s}.d2{transition-delay:.16s}.d3{transition-delay:.24s}.d4{transition-delay:.32s}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}.hero-bg{animation:none}}
/* responsive */
@media(max-width:1020px){.g4,.eight,.path{grid-template-columns:repeat(2,1fr)}.step:after{display:none}footer .cols{grid-template-columns:1fr 1fr}}
@media(max-width:900px){
 .burger{display:block}
 .nav{position:fixed;top:74px;left:0;right:0;background:var(--navy);flex-direction:column;align-items:stretch;padding:14px 18px 24px;gap:4px;transform:translateY(-130%);transition:transform .35s;box-shadow:0 20px 40px rgba(0,0,0,.3)}
 .nav.open{transform:none}.nav a{padding:13px 14px}.nav .btn{margin:10px 0 0;justify-content:center}
 .g2,.g3,.split,.cta{grid-template-columns:1fr}.cta{padding:42px 28px}.cta .actions{justify-content:flex-start}
 .stats{grid-template-columns:1fr 1fr}.stat:nth-child(2){border-right:0}.stat:nth-child(-n+2){border-bottom:1px solid var(--line)}
 .split{gap:40px}.photo-frame:before{inset:14px -10px -14px 14px}.float-chip{left:10px}
 section{padding:72px 0}.hero{min-height:auto}.hero .wrap{padding-top:70px;padding-bottom:110px}.img-band{background-attachment:scroll;padding:90px 0}
 .mobile-apply{display:flex;position:fixed;left:12px;right:12px;bottom:12px;z-index:60;justify-content:center;box-shadow:0 14px 30px rgba(0,0,0,.35)}
 footer{padding-bottom:90px}}
@media(max-width:560px){.g4,.eight,.path,.fr,footer .cols{grid-template-columns:1fr}.form-card{padding:30px 20px}.hero h1{font-size:2.15rem}}
.placeholder svg{width:42px;height:42px;margin:0 auto 10px;color:var(--gold)}
/* launch additions */
.pillars .stat svg{width:30px;height:30px;color:var(--gold);margin:0 auto 10px;display:block}
.pillars .stat b{font-size:1.15rem;margin-bottom:4px}
.prose{max-width:820px}.prose h2{font-size:1.35rem;color:var(--navy);margin:38px 0 10px}.prose h2:first-child{margin-top:0}
.prose p,.prose li{color:#3b475c}.prose ul{padding-left:20px}.prose li{margin:6px 0}