:root {
  --ink: #082f33;
  --ink-2: #154b4d;
  --teal: #0c7c72;
  --mint: #dff4ef;
  --aqua: #8ee0d2;
  --cream: #fffaf0;
  --paper: #fffefa;
  --ground: #f1f7f5;
  --coral: #e97855;
  --gold: #f2d092;
  --muted: #5d7074;
  --line: rgba(8,47,51,.13);
  --shadow: 0 24px 70px rgba(8,47,51,.12);
  --serif: "DM Serif Display", Georgia, serif;
  --sans: Manrope, system-ui, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--ground); color: var(--ink); font-family: var(--sans); -webkit-font-smoothing: antialiased; }
img { max-width: 100%; }
a { color: inherit; }
.container { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }
.narrow { width: min(780px, calc(100% - 40px)); margin-inline: auto; }
.skip-link { position: absolute; left: -9999px; }
.skip-link:focus { left: 16px; top: 16px; z-index: 100; padding: 12px 16px; background: white; }
.topbar { padding: 9px 0; background: var(--ink); color: rgba(255,255,255,.78); font-size: 12px; text-align: center; }
.topbar a { color: white; font-weight: 800; }
.site-header { position: sticky; top: 0; z-index: 40; border-bottom: 1px solid var(--line); background: rgba(241,247,245,.93); backdrop-filter: blur(14px); }
.header-row { display: flex; align-items: center; min-height: 76px; gap: 34px; }
.brand { display: inline-flex; align-items: center; gap: 10px; font-size: 20px; font-weight: 800; letter-spacing: -.04em; text-decoration: none; white-space: nowrap; }
.brand-mark { width: 15px; height: 15px; border-radius: 4px; background: linear-gradient(135deg,var(--aqua),var(--coral)); transform: rotate(12deg); }
.main-nav { display: flex; align-items: center; gap: 25px; margin-left: auto; }
.main-nav a { color: var(--muted); font-size: 14px; font-weight: 700; text-decoration: none; }
.main-nav a:hover, .main-nav a[aria-current="page"] { color: var(--ink); }
.nav-cta, .button { display: inline-flex; align-items: center; justify-content: center; min-height: 50px; padding: 0 22px; border: 0; border-radius: 13px; background: var(--ink); color: white!important; font: 800 14px var(--sans); text-decoration: none; cursor: pointer; box-shadow: 0 9px 24px rgba(8,47,51,.14); transition: transform .18s, opacity .18s; }
.nav-cta:hover, .button:hover { transform: translateY(-1px); opacity: .9; }
.button.gold { background: var(--gold); color: var(--ink)!important; box-shadow: none; }
.button.ghost { border: 1px solid currentColor; background: transparent; color: var(--ink)!important; box-shadow: none; }
.menu-toggle { display: none; margin-left: auto; border: 0; background: none; font: 800 14px var(--sans); color: var(--ink); }
.eyebrow { color: var(--teal); font-size: 11px; font-weight: 800; letter-spacing: .15em; text-transform: uppercase; }
.hero { position: relative; overflow: hidden; padding: 102px 0 135px; background: linear-gradient(125deg,#06272b,#0c4447 56%,#0e6a62); color: white; }
.hero:before { content: ""; position: absolute; inset: 0; background-image: linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px), linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px); background-size: 54px 54px; mask-image: linear-gradient(to right,#000,transparent 85%); }
.hero:after { content: ""; position: absolute; width: 480px; height: 480px; right: -130px; top: -185px; border: 1px solid rgba(255,255,255,.16); border-radius: 50%; box-shadow: 0 0 0 64px rgba(255,255,255,.035),0 0 0 128px rgba(255,255,255,.025); }
.hero .container { position: relative; z-index: 1; }
.hero .eyebrow { color: var(--aqua); }
.hero h1 { max-width: 850px; margin: 16px 0 22px; font: 400 clamp(3.4rem,7vw,6.5rem)/.92 var(--serif); letter-spacing: -.035em; }
.hero .lead { max-width: 720px; margin: 0; color: rgba(255,255,255,.72); font-size: 20px; line-height: 1.6; }
.hero-actions { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; margin-top: 32px; }
.hero-actions .text-link { color: white; font-weight: 800; text-underline-offset: 5px; }
.hero-trust { display: flex; gap: 22px; flex-wrap: wrap; margin-top: 34px; color: rgba(255,255,255,.68); font-size: 13px; }
.hero-trust span { display: inline-flex; align-items: center; gap: 8px; }
.hero-trust b { display: grid; place-items: center; width: 21px; height: 21px; border-radius: 50%; background: var(--aqua); color: var(--ink); font-size: 11px; }
.apply-panel { position: relative; z-index: 2; display: grid; grid-template-columns: 1.15fr .85fr; max-width: 1020px; margin: -72px auto 0; overflow: hidden; border: 1px solid rgba(255,255,255,.35); border-radius: 24px; background: var(--paper); box-shadow: var(--shadow); }
.apply-copy { padding: 44px 50px; }
.apply-copy h2, .apply-action strong { font-family: var(--serif); font-weight: 400; }
.apply-copy h2 { margin: 10px 0 14px; font-size: 40px; line-height: 1.02; }
.apply-copy p { color: var(--muted); line-height: 1.65; }
.mini-steps { display: grid; margin-top: 26px; border-top: 1px solid var(--line); }
.mini-steps span { display: flex; gap: 14px; padding: 14px 0; border-bottom: 1px solid var(--line); font-size: 14px; font-weight: 750; }
.mini-steps b { color: var(--teal); font-size: 11px; }
.apply-action { display: flex; flex-direction: column; justify-content: center; padding: 44px; background: linear-gradient(145deg,#0a3539,#11645d); color: white; }
.secure-label { align-self: flex-start; padding: 7px 11px; border: 1px solid rgba(255,255,255,.28); border-radius: 99px; color: var(--aqua); font-size: 10px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.apply-action strong { margin: 22px 0 16px; font-size: 34px; line-height: 1.05; }
.apply-action small { margin-top: 14px; color: rgba(255,255,255,.58); text-align: center; }
.section { padding: 94px 0; }
.section.tight { padding: 68px 0; }
.section.alt { background: #e4f1ee; }
.section.dark { background: var(--ink); color: white; }
.section-head { display: flex; align-items: end; justify-content: space-between; gap: 30px; margin-bottom: 34px; }
.section-head h2, .page-hero h1, .article-header h1, .content h2 { margin: 8px 0 0; font-family: var(--serif); font-weight: 400; letter-spacing: -.025em; }
.section-head h2 { max-width: 720px; font-size: clamp(2.4rem,4.2vw,4rem); line-height: 1; }
.section-head p { max-width: 460px; margin: 0; color: var(--muted); line-height: 1.6; }
.card-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 18px; }
.card { padding: 28px; border: 1px solid var(--line); border-radius: 19px; background: rgba(255,254,250,.86); box-shadow: 0 10px 30px rgba(8,47,51,.05); }
.card-icon { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 11px; background: var(--mint); color: var(--teal); font-weight: 800; }
.card h3 { margin: 20px 0 8px; font-size: 19px; }
.card p { margin: 0; color: var(--muted); font-size: 14px; line-height: 1.65; }
.card a.more { display: inline-block; margin-top: 18px; color: var(--teal); font-size: 13px; font-weight: 800; text-underline-offset: 4px; }
.comparison { overflow: auto; border: 1px solid var(--line); border-radius: 20px; background: white; box-shadow: 0 18px 50px rgba(8,47,51,.06); }
table { width: 100%; min-width: 680px; border-collapse: collapse; text-align: left; }
th, td { padding: 18px 22px; border-bottom: 1px solid var(--line); vertical-align: top; }
thead th { background: var(--ink); color: white; }
td.highlight { background: var(--mint); font-weight: 700; }
.program-strip { display: grid; grid-template-columns: repeat(4,1fr); gap: 1px; overflow: hidden; border: 1px solid rgba(255,255,255,.12); border-radius: 20px; background: rgba(255,255,255,.12); }
.program-strip article { padding: 27px; background: rgba(255,255,255,.055); }
.program-strip h3 { margin: 12px 0 8px; }
.program-strip p { color: rgba(255,255,255,.66); font-size: 14px; line-height: 1.55; }
.program-strip a { color: var(--aqua); font-weight: 800; }
.author-band { display: grid; grid-template-columns: 190px 1fr; align-items: center; gap: 40px; padding: 42px; border: 1px solid var(--line); border-radius: 24px; background: linear-gradient(135deg,var(--paper),#e3f5f0); box-shadow: 0 18px 50px rgba(8,47,51,.07); }
.author-band img { width: 190px; height: 190px; border: 5px solid white; border-radius: 50%; object-fit: cover; object-position: 50% 18%; box-shadow: 0 14px 30px rgba(8,47,51,.18); }
.author-band h2 { margin: 8px 0 6px; font: 400 42px var(--serif); }
.author-band p { color: var(--muted); line-height: 1.65; }
.author-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-top: 22px; }
.blog-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 18px; }
.post-card { display: flex; flex-direction: column; min-height: 270px; padding: 28px; border: 1px solid var(--line); border-radius: 19px; background: var(--paper); }
.post-tag { color: var(--teal); font-size: 10px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.post-card h3 { margin: 15px 0 10px; font: 400 28px/1.05 var(--serif); }
.post-card h3 a { text-decoration: none; }
.post-card p { margin: 0; color: var(--muted); font-size: 14px; line-height: 1.6; }
.post-meta { margin-top: auto; padding-top: 22px; color: var(--muted); font-size: 12px; }
.blog-tools { display: flex; gap: 12px; flex-wrap: wrap; margin: 28px 0 34px; }
.blog-search { flex: 1 1 280px; min-height: 50px; padding: 0 17px; border: 1px solid var(--line); border-radius: 12px; background: white; font: 600 14px var(--sans); color: var(--ink); }
.filter-button { min-height: 50px; padding: 0 16px; border: 1px solid var(--line); border-radius: 12px; background: white; color: var(--ink); font: 750 13px var(--sans); cursor: pointer; }
.filter-button.active { background: var(--ink); color: white; }
.page-hero { padding: 84px 0 70px; background: linear-gradient(130deg,#e1f2ee,#fffaf0); }
.page-hero h1 { max-width: 820px; font-size: clamp(3.2rem,6vw,5.6rem); line-height: .95; }
.page-hero p { max-width: 760px; color: var(--muted); font-size: 19px; line-height: 1.65; }
.article-header { padding: 76px 0 46px; background: linear-gradient(130deg,#e1f2ee,#fffaf0); }
.breadcrumbs { color: var(--muted); font-size: 12px; }
.breadcrumbs a { font-weight: 750; }
.article-header h1 { max-width: 880px; font-size: clamp(3rem,6vw,5.1rem); line-height: .97; }
.article-dek { max-width: 780px; color: var(--muted); font-size: 19px; line-height: 1.65; }
.byline { display: flex; align-items: center; gap: 12px; margin-top: 24px; color: var(--muted); font-size: 13px; }
.byline img { width: 46px; height: 46px; border-radius: 50%; object-fit: cover; object-position: 50% 18%; }
.article-layout { display: grid; grid-template-columns: minmax(0,760px) 280px; justify-content: center; gap: 48px; padding: 62px 0 90px; }
.content { min-width: 0; }
.content h2 { margin-top: 48px; font-size: 38px; line-height: 1.08; }
.content h3 { margin-top: 30px; font-size: 21px; }
.content p, .content li { color: #334f54; font-size: 16px; line-height: 1.8; }
.content a { color: var(--teal); font-weight: 700; }
.content blockquote { margin: 30px 0; padding: 22px 25px; border-left: 5px solid var(--teal); background: var(--mint); font: 400 25px/1.35 var(--serif); }
.content .callout { margin: 32px 0; padding: 24px; border-radius: 17px; background: var(--ink); color: white; }
.content .callout p { color: rgba(255,255,255,.7); }
.article-aside { align-self: start; position: sticky; top: 105px; padding: 24px; border: 1px solid var(--line); border-radius: 18px; background: white; }
.article-aside img { width: 72px; height: 72px; border-radius: 50%; object-fit: cover; object-position: 50% 18%; }
.article-aside h3 { margin: 14px 0 7px; }
.article-aside p { color: var(--muted); font-size: 13px; line-height: 1.6; }
.article-aside .button { width: 100%; margin-top: 10px; text-align: center; }
.state-chips { display: flex; flex-wrap: wrap; gap: 9px; margin-top: 22px; }
.state-chips span { padding: 8px 11px; border: 1px solid var(--line); border-radius: 99px; background: rgba(255,255,255,.65); color: var(--muted); font-size: 11px; font-weight: 750; }
.cta-banner { padding: 68px 30px; border-radius: 24px; background: linear-gradient(120deg,var(--coral),#ce514a); color: white; text-align: center; box-shadow: 0 24px 60px rgba(164,56,52,.2); }
.cta-banner h2 { margin: 8px 0 22px; font: 400 clamp(2.8rem,6vw,5rem)/1 var(--serif); }
.cta-banner p { max-width: 680px; margin: 0 auto 24px; color: rgba(255,255,255,.78); }
.site-footer { margin-top: 80px; padding: 60px 0 34px; background: #06272b; color: white; }
.footer-grid { display: grid; grid-template-columns: 1.3fr repeat(3,1fr); gap: 40px; }
.footer-grid h2 { font-size: 15px; }
.footer-grid p, .footer-grid a, .footer-grid li { color: rgba(255,255,255,.62); font-size: 12px; line-height: 1.7; }
.footer-grid ul { margin: 0; padding: 0; list-style: none; }
.footer-grid a:hover { color: white; }
.footer-bottom { margin-top: 38px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.12); color: rgba(255,255,255,.48); font-size: 11px; line-height: 1.7; }
.legal-page .content { max-width: 900px; margin: auto; }
.legal-page .content p, .legal-page .content li { font-size: 13px; }
.hidden { display: none!important; }
@media (max-width: 960px) {
  .menu-toggle { display: block; }
  .main-nav { display: none; position: absolute; left: 20px; right: 20px; top: 70px; flex-direction: column; align-items: stretch; padding: 20px; border: 1px solid var(--line); border-radius: 18px; background: white; box-shadow: var(--shadow); }
  .main-nav.open { display: flex; }
  .main-nav .nav-cta { width: 100%; }
  .apply-panel, .article-layout { grid-template-columns: 1fr; }
  .article-aside { position: static; }
  .card-grid, .blog-grid { grid-template-columns: repeat(2,1fr); }
  .program-strip { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: repeat(2,1fr); }
}
@media (max-width: 640px) {
  .container, .narrow { width: calc(100% - 28px); }
  .topbar { font-size: 10px; }
  .header-row { min-height: 66px; }
  .hero { padding: 76px 0 115px; text-align: center; }
  .hero h1 { font-size: 3.55rem; }
  .hero .lead { font-size: 17px; }
  .hero-actions, .hero-trust { justify-content: center; }
  .hero-actions .button { width: 100%; max-width: 340px; }
  .apply-panel { width: calc(100% - 28px); margin-top: -70px; border-radius: 20px; }
  .apply-copy, .apply-action { padding: 30px 24px; }
  .apply-copy h2 { font-size: 34px; }
  .section { padding: 72px 0; }
  .section-head { align-items: start; flex-direction: column; }
  .card-grid, .blog-grid, .program-strip { grid-template-columns: 1fr; }
  .author-band { grid-template-columns: 1fr; padding: 30px 24px; text-align: center; justify-items: center; }
  .author-actions { justify-content: center; }
  .page-hero, .article-header { padding: 62px 0 46px; }
  .page-hero h1, .article-header h1 { font-size: 3.25rem; }
  .article-layout { width: calc(100% - 28px); padding-top: 42px; }
  .content h2 { font-size: 32px; }
  .footer-grid { grid-template-columns: 1fr; }
}