:root{
  --navy:#0f1f3d; --blue:#2456e6; --blue-d:#1a43bd; --sky:#eaf0ff; --sky2:#f5f8ff; --gold:#f0b429; --gold-soft:#fff6dc;
  --ink:#16223a; --muted:#5b6784; --line:#dbe2f0; --bg:#f7f9fd; --white:#fff;
  --green:#12805c; --green-soft:#dff5ec; --red:#c53030; --red-soft:#fde8e8;
  --head:'Sora','Segoe UI',system-ui,sans-serif; --body:'Plus Jakarta Sans','Segoe UI',system-ui,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{margin:0;background:var(--bg);color:var(--ink);font:400 16px/1.6 var(--body);-webkit-font-smoothing:antialiased}
a{color:var(--blue)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
main{min-height:65vh}
h1,h2,h3{font-family:var(--head);font-weight:700;color:var(--navy);line-height:1.15;margin:0 0 12px;letter-spacing:-.02em}
h1{font-size:clamp(32px,4.8vw,52px)}
h2{font-size:clamp(24px,3vw,34px)}
h3{font-size:19px}
p{margin:0 0 14px}
.muted{color:var(--muted)}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* header/footer */
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:30}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:66px;gap:16px}
.logo{font:800 24px var(--head);color:var(--navy);text-decoration:none;letter-spacing:-.03em}
.logo span{color:var(--blue)}
.hlinks{display:flex;gap:18px;align-items:center;font-weight:600;font-size:15px}
.hlinks a{text-decoration:none;color:var(--ink)}
.hlinks a:hover{color:var(--blue)}
.hlinks .call{color:var(--blue)}
footer.site{background:var(--navy);color:#b9c5e3;padding:40px 0 26px;margin-top:60px;font-size:14px}
footer.site a{color:#e6ecfb}
footer .fine{max-width:80ch;margin-top:14px;font-size:13px;color:#93a1c6}
.demo-note{background:var(--gold-soft);border-bottom:1px solid #f1d98f;font-size:13px;text-align:center;padding:6px 12px;color:#6b5200}

/* buttons/forms */
.btn{display:inline-block;font:700 16px var(--body);border:0;border-radius:10px;padding:14px 26px;cursor:pointer;text-decoration:none;text-align:center;transition:background .15s}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:var(--blue-d);color:#fff}
.btn-primary[disabled]{background:#a9b6d8;cursor:not-allowed}
.btn-line{background:#fff;color:var(--blue);box-shadow:inset 0 0 0 2px var(--blue)}
.btn-line:hover{background:var(--sky)}
.btn-ghost{background:transparent;color:var(--muted);box-shadow:inset 0 0 0 1px var(--line)}
.btn-block{display:block;width:100%}
.btn-sm{padding:9px 16px;font-size:14px}
.linkbtn{background:none;border:0;color:var(--blue);font:600 14px var(--body);cursor:pointer;padding:0;text-decoration:underline}
.linkbtn[disabled]{color:var(--muted);text-decoration:none;cursor:default}
label{display:block;font-weight:600;font-size:14px;margin:0 0 5px}
input[type=text],input[type=email],input[type=tel],input[type=number],input[type=date],select{width:100%;font:inherit;padding:12px 13px;border:1px solid #b7c2dc;border-radius:10px;background:#fff;color:var(--ink)}
input[aria-invalid=true],select[aria-invalid=true]{border-color:var(--red);background:#fff8f8}
.field{margin-bottom:16px}
.ferr{display:block;color:var(--red);font-size:13px;margin-top:4px;font-weight:600}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.row3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:14px;margin:0}
.check input{margin-top:4px;width:18px;height:18px;flex:none}
.phone{display:flex}
.phone .cc{padding:12px 13px;background:var(--sky);border:1px solid #b7c2dc;border-right:0;border-radius:10px 0 0 10px;font-weight:700}
.phone input{border-radius:0 10px 10px 0}
.msg{display:none;margin-top:14px;padding:12px 14px;border-radius:10px;font-weight:600;font-size:15px}
.msg.show{display:block}
.msg.ok{background:var(--green-soft);color:var(--green)}
.msg.err{background:var(--red-soft);color:var(--red)}
.msg.info{background:var(--sky);color:var(--blue-d)}

/* landing */
.hero{background:linear-gradient(180deg,#fff 0,var(--sky2) 100%);padding:54px 0 60px;border-bottom:1px solid var(--line)}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:52px;align-items:center}
.hero .lead{font-size:19px;color:#33415f;max-width:32em}
.ticks{list-style:none;padding:0;margin:20px 0 26px}
.ticks li{padding-left:30px;position:relative;margin:9px 0;font-weight:600}
.ticks li:before{content:"\2713";position:absolute;left:0;top:0;width:22px;height:22px;border-radius:50%;background:var(--green-soft);color:var(--green);font-size:13px;line-height:22px;text-align:center}
.trust{display:flex;gap:26px;flex-wrap:wrap;color:var(--muted);font-size:14px;margin-top:6px}
.trust b{display:block;font:700 22px var(--head);color:var(--navy)}
.applycard{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:0 18px 40px rgba(15,31,61,.09)}
.applycard h2{font-size:24px}
.otpinfo{background:var(--sky);border-radius:10px;padding:12px 14px;font-size:14px;margin-bottom:14px}
.otpin{letter-spacing:.55em;font:700 24px var(--head);text-align:center}
.timer{font-size:14px;color:var(--muted)}
section.block{padding:60px 0}
.how{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;counter-reset:h;margin-top:24px}
.how div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;position:relative;counter-increment:h}
.how div:before{content:counter(h);display:block;width:34px;height:34px;border-radius:50%;background:var(--blue);color:#fff;font:700 16px/34px var(--head);text-align:center;margin-bottom:12px}
.how b{display:block;font:700 18px var(--head);color:var(--navy);margin-bottom:4px}
.calc{display:grid;grid-template-columns:1.2fr 1fr;gap:30px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px;margin-top:20px}
.calc input[type=range]{width:100%;accent-color:var(--blue)}
.calc .out{background:var(--navy);color:#fff;border-radius:14px;padding:24px}
.calc .out b{display:block;font:700 34px var(--head);color:var(--gold)}
.calc .out small{color:#b9c5e3}
.calc .rv{display:flex;justify-content:space-between;margin-bottom:6px;font-weight:600}
.feat{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:20px}
.feat div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px}
.feat b{display:block;font:700 18px var(--head);color:var(--navy);margin-bottom:4px}
.faq-item{border-bottom:1px solid var(--line)}
.faq-q{width:100%;text-align:left;background:none;border:0;padding:18px 0;font:700 17px var(--body);cursor:pointer;display:flex;justify-content:space-between;gap:14px;color:var(--navy)}
.faq-q:after{content:"+";font-size:22px;line-height:1}
.faq-q[aria-expanded=true]:after{content:"\2212"}
.faq-a{display:none;padding:0 0 18px;max-width:64ch;color:#33415f}
.faq-a.open{display:block}

/* journey */
.jwrap{max-width:820px;margin:0 auto;padding:34px 24px 20px}
.stepper{display:flex;justify-content:space-between;list-style:none;margin:0 0 30px;padding:0;position:relative}
.stepper:before{content:"";position:absolute;left:5%;right:5%;top:15px;height:3px;background:var(--line)}
.stepper li{position:relative;text-align:center;flex:1;font-size:13px;font-weight:600;color:var(--muted)}
.stepper li i{display:block;width:32px;height:32px;border-radius:50%;background:#fff;border:3px solid var(--line);margin:0 auto 6px;font-style:normal;line-height:26px;font-weight:700;font-size:14px;position:relative}
.stepper li.done i{background:var(--blue);border-color:var(--blue);color:#fff}
.stepper li.cur i{border-color:var(--blue);color:var(--blue)}
.stepper li.cur,.stepper li.done{color:var(--navy)}
.panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px;margin-bottom:20px}
.panel h1{font-size:30px}
.sect{margin:26px 0 8px;font:700 17px var(--head);color:var(--navy);padding-bottom:6px;border-bottom:1px solid var(--line)}

/* docs */
.docbox{border:1px solid var(--line);border-radius:14px;padding:18px;margin-bottom:16px;background:var(--sky2)}
.docbox h3{margin-bottom:10px}
.drop{display:block;border:2px dashed #9fb1e2;border-radius:12px;padding:22px;text-align:center;background:#fff;cursor:pointer;font-weight:600;color:var(--blue)}
.drop:hover{background:var(--sky)}
.drop small{display:block;color:var(--muted);font-weight:400}
.drop input{position:absolute;opacity:0;width:1px;height:1px}
.drop:focus-within{outline:3px solid var(--gold)}
.prog{height:8px;background:var(--line);border-radius:6px;overflow:hidden;margin-top:12px;display:none}
.prog i{display:block;height:100%;width:0;background:var(--blue)}
.dstat{display:none;margin-top:12px;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;font-weight:600;font-size:15px}
.dstat.show{display:flex}
.dstat.ok{color:var(--green)}
.dstat.bad{color:var(--red)}

/* eligibility */
.checks{list-style:none;padding:0;margin:20px 0}
.checks li{display:flex;gap:12px;align-items:center;padding:12px 0;border-bottom:1px solid var(--line);color:var(--muted);font-weight:600}
.checks li .ic{width:26px;height:26px;border-radius:50%;border:3px solid var(--line);flex:none}
.checks li.run{color:var(--navy)}
.checks li.run .ic{border-color:var(--blue);border-top-color:transparent;animation:spin .8s linear infinite}
.checks li.done{color:var(--navy)}
.checks li.done .ic{background:var(--green);border-color:var(--green);position:relative}
.checks li.done .ic:after{content:"\2713";color:#fff;position:absolute;left:5px;top:-1px;font-size:14px}
@keyframes spin{to{transform:rotate(360deg)}}
.result{text-align:center;padding:10px 0}
.badge{display:inline-block;padding:5px 14px;border-radius:999px;font-weight:700;font-size:13px;margin-bottom:12px}
.badge.ok{background:var(--green-soft);color:var(--green)}
.badge.alt{background:var(--gold-soft);color:#7a5a00}
.bigicon{width:72px;height:72px;border-radius:50%;margin:0 auto 14px;font-size:36px;line-height:72px;color:#fff}
.bigicon.ok{background:var(--green)}
.bigicon.alt{background:var(--gold);color:var(--navy)}

/* offer */
.offer{background:var(--navy);color:#fff;border-radius:18px;padding:30px;margin-bottom:20px}
.offer h1{color:#fff;font-size:26px}
.offer .amt{font:800 clamp(38px,7vw,58px) var(--head);color:var(--gold);letter-spacing:-.03em}
.ogrid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:20px 0}
.ogrid div{background:rgba(255,255,255,.08);border-radius:12px;padding:14px}
.ogrid small{display:block;color:#b9c5e3}
.ogrid b{font:700 20px var(--head)}
.offer select{background:#fff;max-width:200px}
.breakup{background:#fff;border:1px solid var(--line);border-radius:14px;padding:6px 20px;margin-bottom:20px}
.breakup .r{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid var(--line)}
.breakup .r:last-child{border:0;font-weight:800}
.actions{display:flex;gap:12px;flex-wrap:wrap}
.overlay{position:fixed;inset:0;background:rgba(15,31,61,.6);z-index:90;display:none;align-items:center;justify-content:center;padding:20px}
.overlay.open{display:flex}
.modal{background:#fff;border-radius:18px;max-width:460px;width:100%;padding:30px}
.modal label.radio{display:flex;gap:10px;font-weight:600;border:1px solid var(--line);border-radius:10px;padding:11px 14px;margin-bottom:8px;cursor:pointer}
.modal label.radio input{width:auto}

/* review/status */
.sumgrid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.kv{display:flex;justify-content:space-between;gap:12px;padding:8px 0;border-bottom:1px solid var(--line);font-size:15px}
.kv span:first-child{color:var(--muted)}
.kv b{text-align:right;overflow-wrap:anywhere}
.timeline{list-style:none;margin:20px 0;padding:0}
.timeline li{display:flex;gap:14px;padding:0 0 22px;position:relative;color:var(--muted)}
.timeline li:before{content:"";position:absolute;left:13px;top:28px;bottom:0;width:3px;background:var(--line)}
.timeline li:last-child:before{display:none}
.timeline .dot{width:28px;height:28px;border-radius:50%;border:3px solid var(--line);flex:none;background:#fff}
.timeline li.done{color:var(--navy)}
.timeline li.done .dot{background:var(--green);border-color:var(--green);position:relative}
.timeline li.done .dot:after{content:"\2713";color:#fff;position:absolute;left:5px;top:-2px;font-size:14px}
.timeline li.run .dot{border-color:var(--blue);border-top-color:transparent;animation:spin .8s linear infinite}
.timeline li.run{color:var(--navy)}
.timeline b{display:block}
.timeline small{color:var(--muted)}
.final{border-radius:14px;padding:22px;margin-top:8px}
.final.ok{background:var(--green-soft)}
.final.wait{background:var(--gold-soft)}
.prose{max-width:760px;padding:40px 24px}
.prose p,.prose li{font-size:16px}

/* floating bits */
#toast{position:fixed;left:50%;bottom:26px;transform:translate(-50%,30px);background:var(--navy);color:#fff;padding:12px 20px;border-radius:10px;z-index:95;opacity:0;pointer-events:none;transition:.25s;font-weight:600}
#toast.show{opacity:1;transform:translate(-50%,0)}
#cookie-banner{position:fixed;left:0;right:0;bottom:0;z-index:70;background:#fff;border-top:3px solid var(--blue);padding:16px 24px;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap;box-shadow:0 -8px 24px rgba(0,0,0,.12)}
#cookie-banner p{margin:0;max-width:70ch;font-size:14px}
#cookie-banner .btns{display:flex;gap:8px;flex-wrap:wrap}

@media (max-width:900px){
  .hero .wrap,.calc{grid-template-columns:1fr}
  .how,.feat{grid-template-columns:1fr 1fr}
  .sumgrid{grid-template-columns:1fr}
  .ogrid{grid-template-columns:1fr}
}
@media (max-width:600px){
  .row2,.row3,.how,.feat{grid-template-columns:1fr}
  .hlinks .hide-s{display:none}
  .stepper li span{display:none}
  .panel,.applycard{padding:20px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;animation-duration:2s!important;scroll-behavior:auto!important}}