:root{--navy:#282e60;--red:#E81C2E;--red-dk:#c31423;--light:#f8f9fa;--white:#ffffff;--text:#333333;--muted:#6c757d;--accent:#eef0f8}body{font-family:'Poppins',sans-serif;line-height:1.75;color:var(--text)}header{position:sticky;top:0;z-index:1000;background:var(--white);border-bottom:1px solid rgba(0,0,0,0.07);transition:box-shadow 0.3s ease}header.scrolled{box-shadow:0 2px 16px rgba(0,0,0,0.10)}header .navbar-brand{font-weight:700;font-size:1.4rem;color:var(--navy)}.logo{width:140px}.nav-item .nav-link{color:var(--navy) !important;font-weight:500;font-size:0.92rem;padding:8px 12px !important;transition:color 0.2s}.nav-item .nav-link:hover{color:var(--red) !important}.nav-item .nav-link.nav-apply-btn{background:var(--red) !important;color:var(--white) !important;border-radius:6px;padding:7px 18px !important;font-weight:600;margin-left:8px}.nav-item .nav-link.nav-apply-btn:hover{background:var(--red-dk) !important;color:var(--white) !important}.btn-primary{background-color:var(--red);border-color:var(--red);font-weight:600;letter-spacing:0.02em}.btn-primary:hover,.btn-primary:focus{background-color:var(--red-dk);border-color:var(--red-dk)}.btn-outline-primary{color:var(--navy);border-color:var(--navy);font-weight:600}.btn-outline-primary:hover,.btn-outline-primary:focus{background-color:var(--navy);border-color:var(--navy);color:var(--white)}.btn-outline-light:hover{background:rgba(255,255,255,0.15);color:var(--white);border-color:var(--white)}.hero{background:url('https://images.unsplash.com/photo-1507525428034-b723cf961d3e?auto=format&fit=crop&w=1600&q=80') center / cover no-repeat;color:var(--white);text-align:center;padding:130px 15px 100px;position:relative;min-height:88vh;display:flex;align-items:center}.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(160deg,rgba(40,46,96,0.80) 0%,rgba(20,20,40,0.65) 100%)}.hero-content{position:relative;z-index:2;max-width:760px;margin:0 auto}.hero-badge{display:inline-block;background:rgba(255,255,255,0.15);border:1px solid rgba(255,255,255,0.35);color:var(--white);font-size:0.82rem;font-weight:600;letter-spacing:0.06em;text-transform:uppercase;border-radius:50px;padding:5px 16px;margin-bottom:20px}.hero h1{font-size:clamp(2rem,5vw,3rem);font-weight:700;line-height:1.2;margin-bottom:18px}.hero .lead{font-size:clamp(1rem,2vw,1.15rem);opacity:0.9;margin-bottom:32px;max-width:600px;margin-left:auto;margin-right:auto}.hero-ctas{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-bottom:36px}.hero-ctas .btn{padding:13px 32px;border-radius:8px;font-size:1rem;font-weight:600}.hero-trust{display:flex;justify-content:center;gap:24px;flex-wrap:wrap;margin-top:8px}.hero-trust-item{display:flex;align-items:center;gap:7px;font-size:0.88rem;opacity:0.92}.hero-trust-item i{color:#5dd97e;font-size:1rem}.stats-bar{background:var(--navy);color:var(--white);padding:32px 0}.stat-item{text-align:center;padding:10px 16px}.stat-number{font-size:2rem;font-weight:700;color:#fff;line-height:1.1}.stat-number span{color:#ff6b7a}.stat-label{font-size:0.82rem;opacity:0.75;letter-spacing:0.04em;text-transform:uppercase;margin-top:4px}section{padding:70px 0}.section-title{color:var(--navy);font-weight:700;margin-bottom:14px;text-align:center}.section-subtitle{text-align:center;color:var(--muted);max-width:600px;margin:0 auto 40px;font-size:0.97rem}.section-label{display:inline-block;background:var(--accent);color:var(--navy);font-size:0.75rem;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;padding:4px 14px;border-radius:50px;margin-bottom:10px}.about-check li{list-style:none;padding:6px 0;display:flex;align-items:flex-start;gap:10px;font-size:0.95rem}.about-check li i{color:#22c55e;margin-top:3px;flex-shrink:0;font-size:1rem}.about-highlight{background:var(--accent);border-left:4px solid var(--navy);border-radius:8px;padding:18px 20px;margin-top:24px;font-size:0.93rem}.steps-bg{background:var(--light)}.step-card{background:var(--white);border-radius:14px;padding:36px 28px;text-align:center;box-shadow:0 2px 16px rgba(0,0,0,0.07);height:100%;position:relative;transition:transform 0.25s ease,box-shadow 0.25s ease}.step-card:hover{transform:translateY(-5px);box-shadow:0 8px 28px rgba(0,0,0,0.11)}.step-number{width:52px;height:52px;background:var(--navy);color:var(--white);border-radius:50%;font-size:1.25rem;font-weight:700;display:flex;align-items:center;justify-content:center;margin:0 auto 18px}.step-icon{font-size:2.2rem;color:var(--red);margin-bottom:14px;display:block}.step-card h4{color:var(--navy);font-weight:600;font-size:1.05rem;margin-bottom:10px}.step-card p{color:var(--muted);font-size:0.9rem;margin:0}.step-connector{position:absolute;top:50px;right:-20px;color:var(--navy);opacity:0.2;font-size:1.6rem;z-index:1}.eta-type-card{border:1px solid rgba(0,0,0,0.08);border-radius:14px;padding:32px 24px;height:100%;transition:all 0.25s ease;background:var(--white)}.eta-type-card:hover{border-color:var(--red);box-shadow:0 6px 24px rgba(232,28,46,0.12);transform:translateY(-4px)}.eta-type-icon{width:60px;height:60px;background:var(--accent);border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:18px}.eta-type-icon i{font-size:1.6rem;color:var(--navy)}.eta-type-card h4{color:var(--navy);font-weight:700;font-size:1.1rem;margin-bottom:10px}.eta-type-card p{color:var(--muted);font-size:0.9rem;margin-bottom:16px}.eta-type-card ul{padding:0;margin:0}.eta-type-card ul li{list-style:none;font-size:0.88rem;color:var(--text);padding:3px 0;display:flex;align-items:center;gap:8px}.eta-type-card ul li i{color:var(--red);font-size:0.7rem}.info-cards .card-link{display:block;text-decoration:none;color:inherit;border:1px solid rgba(0,0,0,0.08);border-radius:14px;padding:28px 22px;height:100%;background:var(--white);transition:all 0.25s ease}.info-cards .card-link:hover{border-color:var(--navy);box-shadow:0 6px 22px rgba(40,46,96,0.12);transform:translateY(-4px)}.info-card-icon{width:50px;height:50px;background:var(--accent);border-radius:10px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}.info-card-icon i{font-size:1.4rem;color:var(--navy)}.info-cards .card-link h5{color:var(--navy);font-weight:700;font-size:1rem;margin-bottom:6px}.info-cards .card-link p{color:var(--muted);font-size:0.875rem;margin:0;line-height:1.5}.info-cards .card-link .arrow{display:inline-flex;align-items:center;gap:4px;color:var(--red);font-size:0.8rem;font-weight:600;margin-top:12px}.why-bg{background:var(--navy);color:var(--white)}.why-bg .section-title{color:var(--white)}.benefit-item{display:flex;align-items:flex-start;gap:16px;padding:20px 0;border-bottom:1px solid rgba(255,255,255,0.08)}.benefit-item:last-child{border-bottom:none}.benefit-icon{width:46px;height:46px;background:rgba(255,255,255,0.1);border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0}.benefit-icon i{font-size:1.3rem;color:#ff8c96}.benefit-item h5{font-weight:600;font-size:0.97rem;margin-bottom:4px}.benefit-item p{font-size:0.87rem;opacity:0.7;margin:0}.cta-banner{background:linear-gradient(120deg,var(--red) 0%,var(--red-dk) 100%);color:var(--white);padding:70px 0;text-align:center}.cta-banner h2{font-weight:700;font-size:clamp(1.6rem,3vw,2.2rem);margin-bottom:12px}.cta-banner p{opacity:0.88;max-width:540px;margin:0 auto 28px;font-size:0.97rem}.cta-banner .btn{background:var(--white);color:var(--red);font-weight:700;padding:14px 38px;border-radius:8px;font-size:1rem;border:none;transition:all 0.2s}.cta-banner .btn:hover{background:#f0f0f0;color:var(--red-dk);transform:translateY(-2px)}.eligibility-strip{background:var(--accent);border-radius:12px;padding:22px 28px;display:flex;align-items:flex-start;gap:16px}.eligibility-strip i{font-size:1.6rem;color:var(--navy);flex-shrink:0;margin-top:2px}.eligibility-strip h5{color:var(--navy);font-weight:700;margin-bottom:4px;font-size:0.97rem}.eligibility-strip p{margin:0;font-size:0.88rem;color:var(--muted)}footer{background:#1a1f3e;color:rgba(255,255,255,0.8);padding:50px 0 20px;font-size:0.92rem}.footer-brand{font-size:1.1rem;font-weight:700;color:var(--white);margin-bottom:10px}.footer-tagline{font-size:0.84rem;opacity:0.6;margin-bottom:20px}.footer-heading{color:var(--white);font-weight:600;font-size:0.9rem;letter-spacing:0.05em;text-transform:uppercase;margin-bottom:14px}.footer-links{list-style:none;padding:0;margin:0}.footer-links li{margin-bottom:8px}.footer-links a{color:rgba(255,255,255,0.65);text-decoration:none;font-size:0.875rem;transition:color 0.2s}.footer-links a:hover{color:var(--white)}.footer-divider{border-color:rgba(255,255,255,0.1);margin:28px 0 18px}.footer-bottom{font-size:0.82rem;opacity:0.55;text-align:center}.page-hero{background:linear-gradient(135deg,var(--navy) 0%,#3d4580 60%,var(--red) 100%);color:var(--white);text-align:center;padding:70px 15px}.page-hero h1{font-weight:700;font-size:clamp(1.7rem,4vw,2.4rem)}.floating-apply{position:fixed;bottom:25px;right:45%;background:var(--red);color:var(--white);padding:14px 28px;border-radius:50px;font-weight:700;font-size:0.95rem;box-shadow:0 6px 20px rgba(232,28,46,0.4);text-decoration:none;z-index:999;transition:all 0.3s ease;letter-spacing:0.02em}.floating-apply:hover{background:var(--red-dk);color:var(--white);transform:translateY(-3px);box-shadow:0 10px 28px rgba(232,28,46,0.45)}#scrollTopBtn{display:none;position:fixed;bottom:30px;right:30px;z-index:99;border:none;outline:none;background-color:var(--navy);color:white;cursor:pointer;width:44px;height:44px;border-radius:50%;font-size:1.1rem;transition:all 0.3s ease;box-shadow:0 4px 12px rgba(0,0,0,0.25);display:none;align-items:center;justify-content:center}#scrollTopBtn:hover{background-color:var(--red);transform:translateY(-2px)}.type-feature-list{list-style:none;padding:0;margin:16px 0 0}.type-feature-list li{display:flex;align-items:flex-start;gap:10px;padding:7px 0;border-bottom:1px solid rgba(0,0,0,0.06);font-size:0.92rem}.type-feature-list li:last-child{border-bottom:none}.type-feature-list li i{flex-shrink:0;margin-top:3px;font-size:1rem}.quick-links .card{border:none;box-shadow:0 2px 12px rgba(0,0,0,0.08);transition:transform 0.2s ease;text-decoration:none;color:inherit}.quick-links .card:hover{transform:translateY(-4px);box-shadow:0 6px 18px rgba(0,0,0,0.12)}.quick-links .card-title{color:var(--navy);font-weight:600}@media (max-width:768px){.hero{padding:80px 15px 60px;min-height:auto}.hero-trust{gap:14px}.stat-number{font-size:1.6rem}.step-connector{display:none}.floating-apply{right:50%;transform:translateX(50%);bottom:16px;font-size:0.87rem;padding:11px 22px}.floating-apply:hover{transform:translateX(50%) translateY(-3px)}}