:root {
    --bg: #fbfaf7; --surface: #ffffff; --surface-2: #f4f1eb; --ink: #0f1b2a; --ink-2: #3a4757;
    --muted: #6b7685; --line: #e7e2d8; --line-strong: #d6cfc2;
    --brand: #0b5d4b; --brand-hover: #094c3e; --brand-ink: #ffffff; --brand-50: #e8f3ef; --brand-100: #cfe6de;
    --gold: #a8792a; --gold-50: #f8f0e0;
    --danger: #b42318; --danger-50: #fdecea; --warn: #8a5a00; --warn-50: #fff5e0; --warn-line: #f2d9a6;
    --ok: #0b7a55; --ok-50: #e6f5ee;
    --shadow-sm: 0 1px 2px rgba(15,27,42,.05);
    --shadow: 0 1px 2px rgba(15,27,42,.04), 0 10px 30px -12px rgba(15,27,42,.14);
    --shadow-lg: 0 2px 4px rgba(15,27,42,.04), 0 24px 60px -20px rgba(15,27,42,.25);
    --r-sm: 8px; --r: 14px; --r-lg: 20px;
    --font: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
    --font-display: "Plus Jakarta Sans", var(--font);
    --pattern-opacity: .06;
    color-scheme: light;
  }
  @media (prefers-color-scheme: dark) {
    :root:not([data-theme="light"]) {
      --bg: #0b1118; --surface: #111a24; --surface-2: #17222e; --ink: #e9eef3; --ink-2: #b9c4cf;
      --muted: #8a97a5; --line: #223040; --line-strong: #2e3e50;
      --brand: #3db592; --brand-hover: #56c6a5; --brand-ink: #062019; --brand-50: #102a24; --brand-100: #16392f;
      --gold: #d9ac5c; --gold-50: #2a2213;
      --danger: #ff8a80; --danger-50: #2e1513; --warn: #f2cf86; --warn-50: #2a2210; --warn-line: #5a4a1c;
      --ok: #5fd3a6; --ok-50: #0f2a20;
      --shadow: 0 1px 2px rgba(0,0,0,.3), 0 10px 30px -12px rgba(0,0,0,.6);
      --shadow-lg: 0 24px 60px -20px rgba(0,0,0,.7);
      --pattern-opacity: .08;
      color-scheme: dark;
    }
  }
  :root[data-theme="dark"] {
    --bg: #0b1118; --surface: #111a24; --surface-2: #17222e; --ink: #e9eef3; --ink-2: #b9c4cf;
    --muted: #8a97a5; --line: #223040; --line-strong: #2e3e50;
    --brand: #3db592; --brand-hover: #56c6a5; --brand-ink: #062019; --brand-50: #102a24; --brand-100: #16392f;
    --gold: #d9ac5c; --gold-50: #2a2213;
    --danger: #ff8a80; --danger-50: #2e1513; --warn: #f2cf86; --warn-50: #2a2210; --warn-line: #5a4a1c;
    --ok: #5fd3a6; --ok-50: #0f2a20;
    --shadow: 0 1px 2px rgba(0,0,0,.3), 0 10px 30px -12px rgba(0,0,0,.6);
    --shadow-lg: 0 24px 60px -20px rgba(0,0,0,.7);
    --pattern-opacity: .08;
    color-scheme: dark;
  }

  *, *::before, *::after { box-sizing: border-box; }
  html { scroll-behavior: smooth; scroll-padding-top: 88px; }
  body { margin: 0; background: var(--bg); color: var(--ink); font: 16px/1.6 var(--font);
    -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; }
  h1, h2, h3, h4 { font-family: var(--font-display); letter-spacing: -0.02em; line-height: 1.15; margin: 0; color: var(--ink); }
  p { margin: 0; }
  a { color: var(--brand); text-underline-offset: 3px; }
  img { max-width: 100%; display: block; }
  .container { width: 100%; max-width: 1160px; margin: 0 auto; padding: 0 16px; }
  @media (min-width: 720px) { .container { padding: 0 28px; } }
  .sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
  .icon { width: 20px; height: 20px; flex: none; stroke: currentColor; fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
  :focus-visible { outline: 3px solid color-mix(in srgb, var(--brand) 55%, transparent); outline-offset: 2px; border-radius: 6px; }

  /* Buttons */
  .btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 46px; padding: 0 20px;
    border-radius: 10px; border: 1px solid transparent; font: 600 15px/1 var(--font); cursor: pointer; text-decoration: none;
    transition: background .15s, border-color .15s, color .15s, transform .05s; white-space: nowrap; }
  .btn:active { transform: translateY(1px); }
  .btn-primary { background: var(--brand); color: var(--brand-ink); box-shadow: var(--shadow-sm); }
  .btn-primary:hover { background: var(--brand-hover); }
  .btn-secondary { background: var(--surface); color: var(--ink); border-color: var(--line-strong); }
  .btn-secondary:hover { border-color: var(--ink-2); }
  .btn-ghost { background: transparent; color: var(--ink-2); padding: 0 12px; }
  .btn-ghost:hover { color: var(--ink); background: var(--surface-2); }
  .btn-lg { min-height: 52px; padding: 0 26px; font-size: 16px; }
  .btn-block { width: 100%; }
  .btn[disabled] { opacity: .5; cursor: not-allowed; }

  /* Disclaimer bar */
  .disclaimer-bar { background: var(--ink); color: #dfe6ee; font-size: 13px; }
  :root[data-theme="dark"] .disclaimer-bar { background: #05090d; }
  @media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .disclaimer-bar { background: #05090d; } }
  .disclaimer-bar .container { display: flex; align-items: center; gap: 10px; padding-top: 9px; padding-bottom: 9px; }
  .disclaimer-bar a { color: #fff; }
  .disclaimer-bar .icon { width: 16px; height: 16px; color: var(--gold); }

  /* Header */
  .site-header { position: sticky; top: 0; z-index: 50; background: color-mix(in srgb, var(--bg) 88%, transparent);
    backdrop-filter: saturate(160%) blur(12px); -webkit-backdrop-filter: saturate(160%) blur(12px); border-bottom: 1px solid transparent; transition: border-color .2s; }
  .site-header.scrolled { border-bottom-color: var(--line); }
  .site-header .container { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 16px; }
  .logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); }
  .logo-mark { width: 34px; height: 34px; border-radius: 10px; background: var(--brand); color: var(--brand-ink); display: grid; place-items: center; }
  .logo-mark svg { width: 20px; height: 20px; }
  .logo-text { font: 800 19px/1 var(--font-display); letter-spacing: -0.02em; }
  .logo-text span { color: var(--brand); }
  .nav { display: flex; align-items: center; gap: 4px; }
  .nav a.link { padding: 8px 12px; border-radius: 8px; color: var(--ink-2); text-decoration: none; font-weight: 500; font-size: 15px; }
  .nav a.link:hover { color: var(--ink); background: var(--surface-2); }
  .nav .btn { margin-left: 8px; min-height: 42px; }
  .theme-btn { width: 40px; height: 40px; border-radius: 10px; border: 1px solid var(--line); background: var(--surface); color: var(--ink-2); display: grid; place-items: center; cursor: pointer; margin-left: 4px; }
  .theme-btn:hover { color: var(--ink); }
  .theme-btn.menu-btn { display: none; }
  @media (max-width: 880px) {
    .theme-btn.menu-btn { display: grid; }
    .nav { position: absolute; top: 72px; left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0; padding: 8px 16px 16px;
      background: var(--surface); border-bottom: 1px solid var(--line); box-shadow: var(--shadow); display: none; }
    .nav.open { display: flex; }
    .nav a.link { padding: 14px 8px; border-bottom: 1px solid var(--line); border-radius: 0; }
    .nav .btn { margin: 14px 0 0; }
    .nav .theme-btn { display: none; }
  }

  /* Hero */
  .hero { position: relative; overflow: hidden; padding: 56px 0 72px; }
  .hero::before { content: ""; position: absolute; inset: 0; opacity: var(--pattern-opacity); pointer-events: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='64' height='64' viewBox='0 0 64 64'%3E%3Cg fill='none' stroke='%230b5d4b' stroke-width='1.2'%3E%3Cpath d='M32 8l7 17 17 7-17 7-7 17-7-17-17-7 17-7z'/%3E%3Crect x='20' y='20' width='24' height='24' transform='rotate(45 32 32)'/%3E%3C/g%3E%3C/svg%3E");
    -webkit-mask-image: linear-gradient(to bottom, #000 0%, transparent 85%); mask-image: linear-gradient(to bottom, #000 0%, transparent 85%); }
  .hero .container { position: relative; display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: 56px; align-items: center; }
  .eyebrow { display: inline-flex; align-items: center; gap: 8px; padding: 6px 12px 6px 8px; border-radius: 999px; background: var(--surface);
    border: 1px solid var(--line); font-size: 13px; font-weight: 600; color: var(--ink-2); box-shadow: var(--shadow-sm); }
  .eyebrow .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--ok); box-shadow: 0 0 0 4px var(--ok-50); }
  .hero h1 { font-size: clamp(36px, 5.4vw, 58px); font-weight: 800; margin: 22px 0 18px; }
  .hero h1 em { font-style: normal; color: var(--brand); }
  .hero .lead { font-size: 19px; color: var(--ink-2); max-width: 560px; }
  .hero-ctas { display: flex; gap: 12px; margin: 30px 0 30px; flex-wrap: wrap; }
  .checklist { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
  .checklist li { display: flex; align-items: center; gap: 10px; color: var(--ink-2); font-size: 15px; }
  .checklist .icon { color: var(--ok); width: 18px; height: 18px; }

  /* Quote card */
  .quote { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow-lg); overflow: hidden; }
  .quote-head { padding: 22px 24px 18px; border-bottom: 1px solid var(--line); }
  .quote-head h2 { font-size: 18px; }
  .quote-head p { font-size: 14px; color: var(--muted); margin-top: 4px; }
  .quote-body { padding: 20px 24px 24px; display: grid; gap: 18px; }
  .q-label { font-size: 13px; font-weight: 600; color: var(--ink-2); margin-bottom: 8px; display: block; }
  .stepper { display: inline-flex; align-items: center; border: 1px solid var(--line-strong); border-radius: 10px; overflow: hidden; }
  .stepper button { width: 44px; height: 44px; border: 0; background: var(--surface-2); color: var(--ink); font-size: 20px; cursor: pointer; }
  .stepper button:hover { background: var(--line); }
  .stepper output { min-width: 56px; text-align: center; font-weight: 700; font-size: 17px; }
  .segmented { display: grid; grid-template-columns: 1fr 1fr; gap: 4px; padding: 4px; background: var(--surface-2); border-radius: 12px; }
  .segmented label { position: relative; cursor: pointer; }
  .segmented input { position: absolute; opacity: 0; }
  .segmented span { display: block; padding: 10px 12px; border-radius: 9px; text-align: center; font-size: 14px; font-weight: 600; color: var(--ink-2); line-height: 1.3; }
  .segmented span small { display: block; font-weight: 500; font-size: 12px; color: var(--muted); }
  .segmented input:checked + span { background: var(--surface); color: var(--ink); box-shadow: var(--shadow-sm), 0 0 0 1px var(--line); }
  .segmented input:focus-visible + span { outline: 3px solid color-mix(in srgb, var(--brand) 55%, transparent); }
  .lines { display: grid; gap: 10px; font-size: 14px; padding-top: 4px; }
  .line { display: flex; justify-content: space-between; gap: 12px; color: var(--ink-2); }
  .line b { color: var(--ink); font-weight: 600; font-variant-numeric: tabular-nums; }
  .line.saving { color: var(--ok); } .line.saving b { color: var(--ok); }
  .line.total { border-top: 1px solid var(--line); padding-top: 14px; margin-top: 4px; color: var(--ink); font-weight: 600; font-size: 15px; align-items: baseline; }
  .line.total b { font: 800 30px/1 var(--font-display); letter-spacing: -0.02em; }
  .fine { font-size: 12.5px; color: var(--muted); line-height: 1.5; }

  /* Trust strip */
  .trust { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--surface); }
  .trust .container { display: grid; grid-template-columns: repeat(4, 1fr); }
  .trust-item { display: flex; gap: 14px; align-items: flex-start; padding: 24px 20px; }
  .trust-item + .trust-item { border-left: 1px solid var(--line); }
  .trust-icon { width: 40px; height: 40px; border-radius: 10px; background: var(--brand-50); color: var(--brand); display: grid; place-items: center; flex: none; }
  .trust-item strong { display: block; font-size: 15px; }
  .trust-item span { font-size: 13.5px; color: var(--muted); line-height: 1.45; }

  /* Sections */
  .section { padding: 96px 0; }
  .section.alt { background: var(--surface); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
  .section-head { max-width: 640px; margin-bottom: 48px; }
  .section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
  .kicker { font-size: 13px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--brand); margin-bottom: 12px; }
  .section h2 { font-size: clamp(28px, 3.6vw, 40px); font-weight: 800; }
  .section-head p { font-size: 18px; color: var(--ink-2); margin-top: 14px; }

  /* Steps */
  .steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; counter-reset: s; position: relative; }
  .step-card { position: relative; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r); padding: 28px; box-shadow: var(--shadow-sm); }
  .section.alt .step-card { background: var(--bg); }
  .step-card .num { font: 800 14px/1 var(--font-display); color: var(--brand); background: var(--brand-50); border-radius: 999px; padding: 7px 12px; display: inline-block; }
  .step-card h3 { font-size: 20px; margin: 18px 0 8px; }
  .step-card p { color: var(--ink-2); font-size: 15px; }
  .step-card .meta { display: flex; align-items: center; gap: 6px; margin-top: 18px; font-size: 13px; color: var(--muted); font-weight: 500; }
  .step-card .meta .icon { width: 16px; height: 16px; }

  /* Eligibility */
  .elig { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 48px; align-items: start; }
  .elig-panel { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 28px; box-shadow: var(--shadow); }
  .result { margin-top: 18px; border-radius: 12px; padding: 18px; display: flex; gap: 14px; align-items: flex-start; font-size: 15px; }
  .result[hidden] { display: none; }
  .result.ok { background: var(--ok-50); color: var(--ink); }
  .result.ok .icon { color: var(--ok); }
  .result.warn { background: var(--warn-50); border: 1px solid var(--warn-line); }
  .result.warn .icon { color: var(--warn); }
  .result strong { display: block; margin-bottom: 4px; }
  .result ul { margin: 8px 0 0; padding-left: 18px; color: var(--ink-2); }
  .result .btn { margin-top: 14px; min-height: 40px; }
  .note-list { display: grid; gap: 18px; margin-top: 28px; }
  .note { display: flex; gap: 14px; }
  .note .trust-icon { width: 36px; height: 36px; }
  .note strong { display: block; }
  .note p { color: var(--ink-2); font-size: 15px; }

  /* Pricing */
  .plans { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
  .plan { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 30px; display: flex; flex-direction: column; box-shadow: var(--shadow-sm); position: relative; }
  .plan.featured { border-color: var(--brand); box-shadow: 0 0 0 1px var(--brand), var(--shadow); }
  .plan .badge { position: absolute; top: -12px; left: 30px; background: var(--brand); color: var(--brand-ink); font-size: 12px; font-weight: 700; padding: 5px 10px; border-radius: 999px; }
  .plan h3 { font-size: 18px; }
  .plan .desc { color: var(--muted); font-size: 14px; margin-top: 6px; min-height: 42px; }
  .plan .amount { font: 800 44px/1 var(--font-display); letter-spacing: -0.03em; margin: 22px 0 4px; }
  .plan .amount small { font: 500 15px var(--font); color: var(--muted); letter-spacing: 0; }
  .plan .plus { font-size: 13px; color: var(--muted); }
  .plan ul { list-style: none; padding: 0; margin: 24px 0 28px; display: grid; gap: 12px; font-size: 14.5px; color: var(--ink-2); flex: 1; }
  .plan li { display: flex; gap: 10px; }
  .plan li .icon { color: var(--brand); width: 18px; height: 18px; margin-top: 2px; }

  .compare { margin-top: 56px; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 32px; box-shadow: var(--shadow-sm); }
  .compare-head { display: flex; justify-content: space-between; align-items: flex-end; gap: 24px; flex-wrap: wrap; margin-bottom: 28px; }
  .compare-head h3 { font-size: 22px; }
  .compare-head p { color: var(--muted); font-size: 14px; margin-top: 6px; }
  .legend { display: flex; gap: 18px; font-size: 13px; color: var(--ink-2); }
  .legend span { display: inline-flex; align-items: center; gap: 6px; }
  .legend i { width: 12px; height: 12px; border-radius: 3px; display: inline-block; }
  .bars { display: grid; gap: 14px; }
  .bar-row { display: grid; grid-template-columns: 220px 1fr 84px; gap: 16px; align-items: center; font-size: 14.5px; }
  .bar-row .name { color: var(--ink-2); }
  .bar-row.us .name { color: var(--ink); font-weight: 700; }
  .bar-track { height: 30px; display: flex; border-radius: 6px; overflow: hidden; background: var(--surface-2); }
  .bar-gov { background: color-mix(in srgb, var(--muted) 45%, transparent); }
  .bar-fee { background: color-mix(in srgb, var(--gold) 75%, transparent); }
  .bar-row.us .bar-fee { background: var(--brand); }
  .bar-row .val { text-align: right; font-weight: 700; font-variant-numeric: tabular-nums; }
  .bar-row.us .val { color: var(--brand); }
  .compare .fine { margin-top: 22px; }

  /* FAQ */
  .faq-wrap { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: 64px; }
  .faq details { border-bottom: 1px solid var(--line); }
  .faq details:first-child { border-top: 1px solid var(--line); }
  .faq summary { list-style: none; cursor: pointer; padding: 22px 0; display: flex; justify-content: space-between; align-items: center; gap: 16px; font: 600 17px/1.4 var(--font); }
  .faq summary::-webkit-details-marker { display: none; }
  .faq summary .plus { width: 28px; height: 28px; border-radius: 50%; border: 1px solid var(--line-strong); display: grid; place-items: center; flex: none; transition: transform .2s; }
  .faq details[open] summary .plus { transform: rotate(45deg); background: var(--brand-50); border-color: var(--brand-100); color: var(--brand); }
  .faq details p { padding: 0 44px 22px 0; color: var(--ink-2); }
  .help-card { margin-top: 28px; padding: 22px; border-radius: var(--r); background: var(--surface); border: 1px solid var(--line); }
  .help-card strong { display: block; margin-bottom: 4px; }
  .help-card p { color: var(--muted); font-size: 14px; }

  /* CTA band */
  .cta-band { background: var(--brand); color: var(--brand-ink); border-radius: var(--r-lg); padding: 48px; display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; position: relative; overflow: hidden; }
  .cta-band h2 { color: inherit; font-size: clamp(24px, 3vw, 32px); }
  .cta-band p { opacity: .85; margin-top: 8px; }
  .cta-band .btn { background: var(--brand-ink); color: var(--brand); }
  .cta-band .btn:hover { opacity: .92; }

  /* Footer */
  .site-footer { padding: 64px 0 40px; border-top: 1px solid var(--line); margin-top: 96px; background: var(--surface); }
  .foot-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr; gap: 40px; }
  .foot-grid h4 { font: 700 13px var(--font); text-transform: uppercase; letter-spacing: .08em; color: var(--muted); margin-bottom: 14px; }
  .foot-grid ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
  .foot-grid a { color: var(--ink-2); text-decoration: none; font-size: 15px; }
  .foot-grid a:hover { color: var(--ink); text-decoration: underline; }
  .foot-about p { color: var(--muted); font-size: 14px; margin-top: 14px; max-width: 380px; }
  .legal { margin-top: 48px; padding-top: 24px; border-top: 1px solid var(--line); font-size: 13px; color: var(--muted); line-height: 1.6; }

  /* Application */
  .apply-layout { display: grid; grid-template-columns: minmax(0, 1fr) 340px; gap: 28px; align-items: start; }
  .app-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow); overflow: hidden; }
  .demo-flag { display: flex; gap: 10px; align-items: center; padding: 12px 24px; background: var(--warn-50); border-bottom: 1px solid var(--warn-line); font-size: 13.5px; color: var(--ink); }
  .demo-flag .icon { color: var(--warn); width: 18px; height: 18px; }
  .progress-wrap { padding: 22px 28px 0; }
  .progress-meta { display: flex; justify-content: space-between; font-size: 13px; color: var(--muted); font-weight: 500; margin-bottom: 10px; }
  .progress-bar { height: 6px; border-radius: 999px; background: var(--surface-2); overflow: hidden; }
  .progress-bar div { height: 100%; background: var(--brand); border-radius: 999px; transition: width .3s ease; }
  .stepnav { list-style: none; display: flex; gap: 4px; padding: 0; margin: 16px 0 0; overflow-x: auto; scrollbar-width: none; }
  .stepnav::-webkit-scrollbar { display: none; }
  .stepnav li { flex: 1; min-width: 0; }
  .stepnav button { width: 100%; background: none; border: 0; padding: 6px 4px; display: flex; align-items: center; gap: 8px; font: 500 13px var(--font); color: var(--muted); cursor: default; text-align: left; white-space: nowrap; }
  .stepnav .dot { width: 22px; height: 22px; border-radius: 50%; border: 1.5px solid var(--line-strong); display: grid; place-items: center; font-size: 11px; font-weight: 700; flex: none; }
  .stepnav .done button { color: var(--ink-2); cursor: pointer; }
  .stepnav .done .dot { background: var(--brand); border-color: var(--brand); color: var(--brand-ink); }
  .stepnav .current button { color: var(--ink); font-weight: 700; }
  .stepnav .current .dot { border-color: var(--brand); color: var(--brand); box-shadow: 0 0 0 4px var(--brand-50); }
  .stepnav .lbl { overflow: hidden; text-overflow: ellipsis; }
  @media (max-width: 1100px) { .stepnav .lbl { display: none; } .stepnav .current .lbl { display: inline; } .stepnav li.current { flex: 3; } }

  .step-pane { padding: 28px 28px 8px; }
  .step-pane[hidden] { display: none; }
  .pane-head h3 { font-size: 24px; }
  .pane-head h3:focus { outline: none; }
  .pane-head p { color: var(--muted); margin-top: 6px; font-size: 15px; }
  .group-title { font: 700 13px var(--font); text-transform: uppercase; letter-spacing: .07em; color: var(--muted); margin: 28px 0 0; padding-bottom: 10px; border-bottom: 1px solid var(--line); }
  .fields { display: grid; grid-template-columns: 1fr 1fr; gap: 18px 18px; margin-top: 20px; }
  .fields .full { grid-column: 1 / -1; }
  .field label.lbl { display: block; font-size: 14px; font-weight: 600; margin-bottom: 7px; color: var(--ink); }
  .field label.lbl .opt { font-weight: 400; color: var(--muted); }
  .input, select.input, textarea.input { width: 100%; min-height: 46px; padding: 11px 14px; border-radius: 10px; border: 1px solid var(--line-strong);
    background: var(--surface); color: var(--ink); font: 15px var(--font); transition: border-color .15s, box-shadow .15s; }
  select.input { appearance: none; -webkit-appearance: none; padding-right: 40px; cursor: pointer;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5l5 5 5-5' fill='none' stroke='%236b7685' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat; background-position: right 14px center; }
  .input:hover { border-color: var(--muted); }
  .input:focus { outline: none; border-color: var(--brand); box-shadow: 0 0 0 4px var(--brand-50); }
  .input.upper { text-transform: uppercase; }
  .field.invalid .input { border-color: var(--danger); }
  .field.invalid .input:focus { box-shadow: 0 0 0 4px var(--danger-50); }
  .help { font-size: 12.5px; color: var(--muted); margin-top: 6px; line-height: 1.45; }
  .err { display: none; align-items: center; gap: 6px; font-size: 13px; color: var(--danger); margin-top: 6px; font-weight: 500; }
  .err .icon { width: 14px; height: 14px; }
  .field.invalid .err { display: flex; }
  .field.invalid .help { display: none; }

  .options { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 20px; }
  .options.two { grid-template-columns: repeat(2, 1fr); }
  .option { position: relative; display: block; cursor: pointer; }
  .option input { position: absolute; opacity: 0; }
  .option .box { display: block; height: 100%; border: 1.5px solid var(--line-strong); border-radius: 12px; padding: 16px 16px 16px 46px; transition: border-color .15s, background .15s; }
  .option .box::before { content: ""; position: absolute; left: 16px; top: 18px; width: 18px; height: 18px; border-radius: 50%; border: 1.5px solid var(--line-strong); background: var(--surface); }
  .option input:checked + .box { border-color: var(--brand); background: var(--brand-50); }
  .option input:checked + .box::before { border: 5.5px solid var(--brand); }
  .option input:focus-visible + .box { outline: 3px solid color-mix(in srgb, var(--brand) 55%, transparent); outline-offset: 2px; }
  .option strong { display: block; font-size: 15px; }
  .option small { display: block; color: var(--muted); font-size: 13px; margin-top: 2px; line-height: 1.4; }
  .option .tag { float: right; font-weight: 700; color: var(--ink); font-size: 14px; }

  .callout { display: flex; gap: 12px; padding: 14px 16px; border-radius: 12px; font-size: 14px; margin-top: 20px; line-height: 1.5; }
  .callout .icon { width: 18px; height: 18px; margin-top: 2px; }
  .callout.info { background: var(--surface-2); color: var(--ink-2); }
  .callout.warn { background: var(--warn-50); border: 1px solid var(--warn-line); color: var(--ink); }
  .callout.warn .icon { color: var(--warn); }
  .callout[hidden] { display: none; }

  .drop { position: relative; border: 1.5px dashed var(--line-strong); border-radius: 14px; padding: 22px; display: flex; gap: 18px; align-items: center; background: var(--bg); transition: border-color .15s, background .15s; }
  .drop:hover, .drop.drag { border-color: var(--brand); background: var(--brand-50); }
  .drop input { position: absolute; inset: 0; opacity: 0; cursor: pointer; }
  .drop .thumb { width: 72px; height: 72px; border-radius: 10px; background: var(--surface-2); display: grid; place-items: center; color: var(--muted); flex: none; overflow: hidden; }
  .drop .thumb img { width: 100%; height: 100%; object-fit: cover; }
  .drop strong { display: block; font-size: 15px; }
  .drop .sub { font-size: 13px; color: var(--muted); }
  .drop.has-file { border-style: solid; border-color: var(--ok); background: var(--ok-50); }
  .field.invalid .drop { border-color: var(--danger); }
  .reqs { display: grid; grid-template-columns: 1fr 1fr; gap: 8px 16px; margin-top: 12px; font-size: 13px; color: var(--ink-2); list-style: none; padding: 0; }
  .reqs li { display: flex; gap: 8px; align-items: center; }
  .reqs .icon { width: 15px; height: 15px; color: var(--ok); }

  .check { display: flex; gap: 14px; align-items: flex-start; padding: 16px; border: 1px solid var(--line); border-radius: 12px; cursor: pointer; margin-top: 12px; font-size: 15px; color: var(--ink-2); transition: border-color .15s, background .15s; }
  .check:hover { border-color: var(--line-strong); }
  .check input { width: 20px; height: 20px; margin: 1px 0 0; accent-color: var(--brand); flex: none; cursor: pointer; }
  .check:has(input:checked) { border-color: var(--brand-100); background: var(--brand-50); color: var(--ink); }
  .field.invalid .check { border-color: var(--danger); }

  .review-sec { border: 1px solid var(--line); border-radius: 14px; margin-top: 16px; overflow: hidden; }
  .review-sec header { display: flex; justify-content: space-between; align-items: center; padding: 12px 18px; background: var(--surface-2); }
  .review-sec h4 { font: 700 14px var(--font); }
  .review-sec header button { background: none; border: 0; color: var(--brand); font: 600 14px var(--font); cursor: pointer; padding: 4px 8px; border-radius: 6px; }
  .review-sec header button:hover { background: var(--brand-50); }
  .review-sec dl { margin: 0; padding: 6px 18px 12px; display: grid; grid-template-columns: 180px 1fr; }
  .review-sec dt, .review-sec dd { padding: 8px 0; border-bottom: 1px solid var(--line); font-size: 14.5px; margin: 0; }
  .review-sec dt { color: var(--muted); }
  .review-sec dd { color: var(--ink); font-weight: 500; overflow-wrap: anywhere; }
  .review-sec dl > :nth-last-child(-n+2) { border-bottom: 0; }

  .pane-actions { display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 22px 28px 28px; margin-top: 20px; border-top: 1px solid var(--line); }
  .pane-actions .save-note { font-size: 13px; color: var(--muted); display: flex; align-items: center; gap: 6px; }
  .pane-actions .save-note .icon { width: 15px; height: 15px; }

  .summary { position: sticky; top: 96px; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow-sm); }
  .summary-head { padding: 20px 22px; border-bottom: 1px solid var(--line); }
  .summary-head h3 { font-size: 17px; }
  .summary-body { padding: 18px 22px; display: grid; gap: 16px; }
  .summary-item { display: flex; gap: 12px; align-items: center; }
  .summary-item .trust-icon { width: 38px; height: 38px; }
  .summary-item strong { display: block; font-size: 14.5px; }
  .summary-item span { font-size: 13px; color: var(--muted); }
  .summary-foot { padding: 16px 22px 20px; border-top: 1px solid var(--line); background: var(--surface-2); border-radius: 0 0 var(--r-lg) var(--r-lg); }
  .secure-list { list-style: none; padding: 0; margin: 14px 0 0; display: grid; gap: 8px; font-size: 13px; color: var(--ink-2); }
  .secure-list li { display: flex; gap: 8px; align-items: center; }
  .secure-list .icon { width: 15px; height: 15px; color: var(--brand); }

  .success { padding: 56px 32px; text-align: center; }
  .success[hidden] { display: none; }
  .success .badge-ok { width: 72px; height: 72px; border-radius: 50%; background: var(--ok-50); color: var(--ok); display: grid; place-items: center; margin: 0 auto 22px; }
  .success .badge-ok .icon { width: 34px; height: 34px; stroke-width: 2.2; }
  .success h3 { font-size: 28px; }
  .success p { color: var(--ink-2); max-width: 460px; margin: 12px auto 0; }
  .ref { display: inline-block; margin-top: 18px; padding: 8px 14px; border-radius: 8px; background: var(--surface-2); font: 700 15px ui-monospace, SFMono-Regular, Menlo, monospace; letter-spacing: .04em; }
  .timeline { text-align: left; max-width: 420px; margin: 32px auto 0; list-style: none; padding: 0; display: grid; gap: 0; }
  .timeline li { display: flex; gap: 14px; padding-bottom: 18px; position: relative; font-size: 14.5px; color: var(--ink-2); }
  .timeline li::before { content: ""; width: 12px; height: 12px; border-radius: 50%; border: 2px solid var(--brand); background: var(--surface); flex: none; margin-top: 5px; z-index: 1; }
  .timeline li:first-child::before { background: var(--brand); }
  .timeline li:not(:last-child)::after { content: ""; position: absolute; left: 5px; top: 17px; bottom: 0; width: 2px; background: var(--line); }
  .timeline strong { display: block; color: var(--ink); }

  /* Responsive */
  @media (max-width: 1100px) {
    .trust .container { grid-template-columns: 1fr 1fr; }
    .trust-item:nth-child(3) { border-left: 0; }
    .trust-item:nth-child(n+3) { border-top: 1px solid var(--line); }
  }
  @media (max-width: 1020px) {
    .hero .container { grid-template-columns: 1fr; gap: 40px; }
    .quote { max-width: 520px; }
    .apply-layout { grid-template-columns: 1fr; }
    .summary { position: static; order: -1; }
    .summary-body, .summary .secure-list { display: none; }
    .summary .summary-foot { border-top: 0; }
    .elig, .faq-wrap { grid-template-columns: 1fr; gap: 32px; }
  }
  @media (max-width: 760px) {
    .section { padding: 64px 0; }
    .hero { padding: 36px 0 52px; }
    .hero .lead { font-size: 17px; }
    .hero-ctas .btn { flex: 1; }
    .trust .container { grid-template-columns: 1fr; padding: 0; }
    .trust-item, .trust-item:nth-child(n) { border-left: 0; border-top: 1px solid var(--line); padding: 18px 16px; }
    .trust-item:first-child { border-top: 0; }
    .steps, .plans { grid-template-columns: 1fr; }
    .plan .desc { min-height: 0; }
    .compare { padding: 22px 18px; }
    .bar-row { grid-template-columns: 1fr auto; gap: 6px 12px; }
    .bar-row .bar-track { grid-column: 1 / -1; grid-row: 2; height: 22px; }
    .fields, .options, .options.two { grid-template-columns: 1fr; }
    .step-pane { padding: 22px 18px 4px; }
    .progress-wrap { padding: 18px 18px 0; }
    .pane-actions { padding: 18px; }
    .pane-actions .save-note { display: none; }
    .pane-actions .btn { flex: 1; }
    .demo-flag { padding: 12px 18px; }
    .review-sec dl { grid-template-columns: 1fr; }
    .review-sec dt { border-bottom: 0; padding-bottom: 0; }
    .reqs { grid-template-columns: 1fr; }
    .cta-band { padding: 32px 24px; }
    .cta-band .btn { width: 100%; }
    .foot-grid { grid-template-columns: 1fr 1fr; }
    .foot-about { grid-column: 1 / -1; }
    .faq details p { padding-right: 0; }
  }
  @media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; } }

  /* Legal pages */
  .doc-hero { padding: 56px 0 32px; border-bottom: 1px solid var(--line); background: var(--surface); }
  .doc-hero .crumbs { font-size: 14px; color: var(--muted); margin-bottom: 14px; }
  .doc-hero .crumbs a { color: var(--muted); text-decoration: none; }
  .doc-hero .crumbs a:hover { color: var(--ink); text-decoration: underline; }
  .doc-hero h1 { font-size: clamp(32px, 4.4vw, 46px); font-weight: 800; }
  .doc-hero .meta { display: flex; flex-wrap: wrap; gap: 8px 20px; margin-top: 14px; font-size: 14px; color: var(--muted); }
  .doc-tabs { display: flex; gap: 6px; margin-top: 28px; flex-wrap: wrap; }
  .doc-tabs a { padding: 8px 14px; border-radius: 999px; border: 1px solid var(--line); text-decoration: none; color: var(--ink-2); font-size: 14px; font-weight: 600; background: var(--bg); }
  .doc-tabs a:hover { border-color: var(--line-strong); color: var(--ink); }
  .doc-tabs a[aria-current="page"] { background: var(--ink); border-color: var(--ink); color: var(--bg); }
  .doc-layout { display: grid; grid-template-columns: 240px minmax(0, 1fr); gap: 56px; padding-top: 48px; align-items: start; }
  .toc { position: sticky; top: 96px; font-size: 14px; }
  .toc strong { display: block; font-size: 12px; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); margin-bottom: 10px; }
  .toc ol { list-style: none; margin: 0; padding: 0; display: grid; gap: 2px; border-left: 1px solid var(--line); }
  .toc a { display: block; padding: 6px 0 6px 14px; margin-left: -1px; border-left: 2px solid transparent; color: var(--ink-2); text-decoration: none; line-height: 1.35; }
  .toc a:hover { color: var(--ink); }
  .toc a.active { color: var(--brand); border-left-color: var(--brand); font-weight: 600; }
  .prose { max-width: 720px; color: var(--ink-2); font-size: 16px; line-height: 1.7; }
  .prose h2 { font-size: 22px; margin: 44px 0 12px; color: var(--ink); scroll-margin-top: 96px; }
  .prose h2:first-of-type { margin-top: 0; }
  .prose h3 { font-size: 17px; margin: 24px 0 8px; color: var(--ink); }
  .prose p { margin: 0 0 14px; }
  .prose ul, .prose ol { margin: 0 0 16px; padding-left: 22px; }
  .prose li { margin-bottom: 6px; }
  .prose strong { color: var(--ink); }
  .prose table { width: 100%; border-collapse: collapse; margin: 8px 0 20px; font-size: 14.5px; }
  .prose th, .prose td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--line); vertical-align: top; }
  .prose th { color: var(--ink); background: var(--surface-2); font-weight: 600; }
  .table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 12px; margin: 8px 0 20px; }
  .table-wrap table { margin: 0; }
  .summary-box { background: var(--brand-50); border: 1px solid var(--brand-100); border-radius: var(--r); padding: 20px 22px; margin-bottom: 36px; color: var(--ink); }
  .summary-box h2 { margin: 0 0 10px !important; font-size: 17px; }
  .summary-box ul { margin: 0; }
  .draft-note { display: flex; gap: 10px; background: var(--warn-50); border: 1px solid var(--warn-line); border-radius: 12px; padding: 14px 16px; font-size: 14px; color: var(--ink); margin-bottom: 28px; }
  .draft-note .icon { color: var(--warn); width: 18px; height: 18px; margin-top: 2px; }
  .placeholder { background: var(--gold-50); color: var(--ink); padding: 1px 6px; border-radius: 4px; font-weight: 600; white-space: nowrap; }
  .site-footer.doc { margin-top: 80px; }
  @media (max-width: 900px) {
    .doc-layout { grid-template-columns: 1fr; gap: 24px; padding-top: 28px; }
    .toc { position: static; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r); padding: 16px 18px; }
    .toc ol { border-left: 0; }
    .toc a { padding: 6px 0; border-left: 0; }
    .toc a.active { border-left: 0; }
  }
  @media print {
    .site-header, .disclaimer-bar, .toc, .doc-tabs, .site-footer { display: none; }
    .doc-layout { display: block; }
    body { background: #fff; color: #000; }
  }