:root {
  --navy: #172337;
  --navy-soft: #263b55;
  --orange: #e69a36;
  --orange-pale: #fff3df;
  --ink: #202d3f;
  --muted: #687588;
  --line: #e3e8ee;
  --paper: #f5f7f9;
  --white: #fff;
  font-family: Inter, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  color: var(--ink);
  background: var(--paper);
  font-synthesis: none;
  text-rendering: optimizeLegibility;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; min-width: 320px; background: var(--paper); line-height: 1.55; }
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
a { color: inherit; text-decoration: none; }
.inab-page { min-height: 100vh; overflow-x: clip; overflow-y: visible; }
.container { width: min(1160px, calc(100% - 48px)); margin: 0 auto; }

.topbar { position: relative; z-index: 2; background: rgba(255,255,255,.92); border-bottom: 1px solid #e8ebef; }
.topbar-inner { min-height: 72px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: flex-start; color: var(--navy); font-size: 28px; font-weight: 850; letter-spacing: -.075em; line-height: 1; }
.brand-star { color: var(--orange); font-size: 14px; margin: 0 0 0 3px; letter-spacing: 0; transition: transform .24s ease; }
.topbar-right { display: flex; align-items: center; gap: 28px; }
.topbar-label { color: #7b8795; font-size: 9px; font-weight: 800; letter-spacing: .17em; }
.topbar-back { color: var(--navy); font-size: 12px; font-weight: 700; }
.topbar-back span { color: var(--orange); margin-left: 6px; }

.application-hero { position: relative; padding: 54px 0 86px; background: radial-gradient(ellipse at 5% 0%, #fff 0, #f5f7f9 52%, #eef2f5 100%); }
.application-layout { display: grid; grid-template-columns: minmax(0, 1.28fr) minmax(260px, .72fr); align-items: start; gap: clamp(34px, 6vw, 82px); }
.application-copy { position: sticky; top: 36px; padding: 64px 0 20px; }
.eyebrow { display: flex; align-items: center; gap: 9px; margin: 0 0 22px; color: #8b5a21; font-size: 9px; font-weight: 850; letter-spacing: .15em; }
.eyebrow-dot, .form-tag-dot { width: 7px; height: 7px; flex: 0 0 auto; border-radius: 50%; background: var(--orange); }
.eyebrow-divider { color: #bbc2cb; }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { color: var(--navy); letter-spacing: -.045em; line-height: 1.12; }
.application-copy h1 { max-width: 540px; margin: 0 0 21px; font-size: clamp(36px, 4.1vw, 52px); font-weight: 820; }
.application-copy h1 em { color: #c77c24; font-style: normal; }
.intro-copy { max-width: 450px; margin: 0; color: #566477; font-size: 15px; line-height: 1.85; }
.audience-note { display: inline-flex; margin: 19px 0 0; padding: 8px 12px; border: 1px solid #eadcc8; border-radius: 99px; background: rgba(255,255,255,.65); color: #667386; font-size: 12px; line-height: 1.5; }
.text-link { display: inline-flex; align-items: center; gap: 10px; margin-top: 26px; color: var(--navy); font-size: 12px; font-weight: 800; }
.text-link span { color: #c77c24; font-size: 17px; transition: transform .2s; }
.text-link:hover span { transform: translateY(3px); }
.copy-signature { display: flex; align-items: center; gap: 5px; margin-top: 48px; }
.copy-signature span { display: block; width: 22px; height: 3px; border-radius: 8px; background: #c4ced8; }
.copy-signature span:first-child { width: 48px; background: var(--orange); }

.form-card { min-width: 0; padding: clamp(22px, 3.2vw, 38px); border: 1px solid #e5e9ef; border-radius: 22px; background: var(--white); box-shadow: 0 24px 70px rgba(22, 38, 59, .09); }
.form-heading { padding-bottom: 19px; }
.form-tag { display: inline-flex; align-items: center; gap: 8px; color: #96601e; font-size: 9px; font-weight: 850; letter-spacing: .15em; }
.form-tag-dot { width: 6px; height: 6px; }
.form-heading h2 { margin: 12px 0 8px; font-size: clamp(25px, 3vw, 34px); font-weight: 790; }
.form-heading > p { margin: 0; color: var(--muted); font-size: 12px; }
.form-heading > p strong, .field label strong, .consent strong { color: #c47a25; }
.progress-wrap { position: sticky; top: 0; z-index: 3; margin: 0 -1px; padding: 13px 1px 12px; border-bottom: 1px solid #edf0f3; background: rgba(255,255,255,.97); }
.progress-copy { display: flex; justify-content: space-between; gap: 12px; margin-bottom: 8px; color: #697587; font-size: 10px; font-weight: 650; }
.progress-copy span:last-child { color: var(--navy); font-weight: 800; }
#form-progress { display: block; width: 100%; height: 6px; border: 0; border-radius: 99px; background: #edf0f4; appearance: none; }
#form-progress::-webkit-progress-bar { border-radius: 99px; background: #edf0f4; }
#form-progress::-webkit-progress-value { border-radius: 99px; background: linear-gradient(90deg, #d9882f, #f2b45f); transition: width .25s ease; }
#form-progress::-moz-progress-bar { border-radius: 99px; background: linear-gradient(90deg, #d9882f, #f2b45f); }

.form-section { min-width: 0; margin: 0; padding: 22px 0 20px; border: 0; border-bottom: 1px solid #edf0f3; }
.section-heading { display: flex; align-items: center; gap: 12px; width: 100%; margin: 0 0 17px; padding: 0; color: var(--navy); }
.section-number { display: grid; place-items: center; width: 31px; height: 31px; flex: 0 0 auto; border: 1px solid #ecd7b9; border-radius: 10px; background: #fff8ed; color: #a6651d; font-size: 10px; font-weight: 850; letter-spacing: .02em; }
.section-heading strong { display: block; font-size: 13px; font-weight: 800; letter-spacing: -.01em; }
.section-heading small { display: block; margin-top: 2px; color: #8993a1; font-size: 10px; font-weight: 500; letter-spacing: 0; }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 15px 13px; }
.field { display: flex; min-width: 0; flex-direction: column; gap: 7px; }
.field-wide { grid-column: 1 / -1; }
.field label { color: #39485c; font-size: 13px; font-weight: 750; }
.field label span { color: #929ba8; font-weight: 500; }
.field input, .field select, .field textarea { display: block; width: 100%; min-height: 54px; border: 1px solid #dce2e9; border-radius: 9px; outline: 0; background: #fff; color: #253348; padding: 12px 14px; font-size: 14px; transition: border-color .18s, box-shadow .18s, background .18s; }
.field input::placeholder, .field textarea::placeholder { color: #a2aab5; }
.field select { height: 54px; padding-top: 0; padding-bottom: 0; cursor: pointer; }
.field select:invalid { color: #8c96a4; }
.field option { color: #253348; }
.field textarea { min-height: 115px; resize: vertical; line-height: 1.65; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: #6e8ead; box-shadow: 0 0 0 3px rgba(63, 103, 143, .12); }
.field input:hover, .field select:hover, .field textarea:hover { border-color: #bec8d3; }
.final-section { padding-bottom: 19px; }
.consent { display: flex; align-items: flex-start; gap: 10px; margin-top: 20px; }
.consent input { width: 16px; height: 16px; flex: 0 0 auto; margin: 2px 0 0; accent-color: #263f5c; }
.consent-copy { color: #697587; font-size: 10.5px; line-height: 1.65; }
.consent-copy label { cursor: pointer; }
.privacy-link { display: inline-block; margin-top: 4px; color: #315c82; font-weight: 750; text-decoration: underline; text-underline-offset: 2px; }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 16px; min-height: 48px; padding: 13px 17px; border: 0; border-radius: 9px; font-size: 12px; font-weight: 800; transition: transform .18s ease, background .18s ease, box-shadow .18s ease; }
.btn:focus-visible, a:focus-visible { outline: 3px solid #e9ac5e; outline-offset: 3px; }
.btn-submit { width: 100%; justify-content: space-between; margin-top: 19px; background: var(--navy); color: #fff; }
.btn-submit:hover { transform: translateY(-1px); background: #243a55; box-shadow: 0 9px 20px rgba(23, 35, 55, .16); }
.btn-submit:disabled { cursor: wait; opacity: .62; }
.submit-arrow { display: grid; place-items: center; width: 25px; height: 25px; border-radius: 7px; background: rgba(255,255,255,.13); font-size: 16px; }
.form-note { margin: 12px 0 0; color: #929ba6; font-size: 9.5px; line-height: 1.6; }
.form-alert { margin-top: 15px; padding: 12px 13px; border-radius: 8px; font-size: 12px; line-height: 1.6; }
.form-alert.success { background: #e9f6ee; color: #155d31; }
.form-alert.error { background: #fff0e9; color: #924222; }
.honeypot { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }

.why-section { padding: 84px 0 92px; background: #fff; }
.section-heading-row { display: flex; align-items: end; justify-content: space-between; gap: 36px; margin-bottom: 29px; }
.section-kicker { color: #a8671d; font-size: 9px; font-weight: 850; letter-spacing: .16em; }
.section-heading-row h2, .process-layout h2, .brochure-copy h2 { margin: 9px 0 0; font-size: clamp(28px, 3vw, 39px); font-weight: 790; }
.section-heading-row > p { max-width: 450px; margin: 0 0 2px; color: var(--muted); font-size: 13px; line-height: 1.8; }
.benefit-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 15px; }
.benefit { position: relative; min-height: 220px; padding: 24px 23px 22px; border: 1px solid var(--line); border-radius: 15px; background: #fff; transition: transform .2s, box-shadow .2s, border-color .2s; }
.benefit:hover { transform: translateY(-3px); border-color: #d5dce4; box-shadow: 0 15px 30px rgba(31, 48, 69, .06); }
.benefit-index { position: absolute; top: 22px; right: 22px; color: #c4ccd5; font-size: 10px; font-weight: 850; }
.benefit-icon { display: grid; place-items: center; width: 42px; height: 42px; margin-bottom: 19px; border-radius: 12px; background: var(--orange-pale); color: #a7671f; font-size: 21px; }
.benefit h3 { max-width: 220px; margin: 0 0 9px; font-size: 16px; font-weight: 780; line-height: 1.35; }
.benefit p { max-width: 300px; margin: 0; color: var(--muted); font-size: 11.5px; line-height: 1.75; }

.process-section { padding: 50px 0; background: var(--navy); color: #fff; }
.process-layout { display: grid; grid-template-columns: .7fr 1.3fr; align-items: center; gap: 44px; }
.process-layout .section-kicker { color: #f1b966; }
.process-layout h2 { color: #fff; font-size: 28px; }
.process-steps { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 0; margin: 0; padding: 0; list-style: none; }
.process-steps li { min-height: 73px; padding: 2px 17px 0; border-left: 1px solid rgba(255,255,255,.2); }
.process-steps li:first-child { padding-left: 0; border-left: 0; }
.process-steps li span { color: #f1b966; font-size: 10px; font-weight: 850; }
.process-steps li p { max-width: 160px; margin: 10px 0 0; color: #edf1f6; font-size: 11px; font-weight: 700; line-height: 1.55; }

.brochure-section { padding: 68px 0; background: #f4f6f8; }
.brochure-card { display: grid; grid-template-columns: 132px minmax(0, 1fr) auto; align-items: center; gap: 29px; padding: 27px 30px; border: 1px solid #e3e7ec; border-radius: 17px; background: #fff; }
.brochure-mark { display: flex; min-height: 118px; flex-direction: column; justify-content: center; padding: 15px; border-radius: 12px; background: var(--navy); color: #fff; }
.brochure-mark span { font-size: 21px; font-weight: 850; letter-spacing: -.06em; line-height: 1; }
.brochure-mark i { margin: 5px 0; color: #f1b966; font-size: 13px; font-style: normal; }
.brochure-mark b { color: #dbe2e9; font-size: 7px; letter-spacing: .13em; line-height: 1.5; }
.brochure-copy h2 { margin-top: 7px; font-size: 25px; }
.brochure-copy p { max-width: 490px; margin: 9px 0 0; color: var(--muted); font-size: 12px; line-height: 1.75; }
.btn-download { min-width: 190px; justify-content: space-between; background: var(--orange-pale); color: #734718; }
.btn-download:hover { transform: translateY(-1px); background: #ffebca; }
.btn-download span:last-child { font-size: 18px; }

.footer { padding: 23px 0; border-top: 1px solid #e7eaee; background: #fff; }
.footer-inner { display: flex; align-items: center; gap: 22px; color: #8590a0; font-size: 10px; }
.footer-brand { color: var(--navy); font-size: 22px; }
.footer-inner > a:last-child { margin-left: auto; color: var(--navy); font-weight: 700; }

.inab-page.has-scroll-reveals .scroll-reveal {
  opacity: 0;
  translate: 0 18px;
  transition: opacity .55s ease, translate .55s cubic-bezier(.2,.7,.2,1);
  transition-delay: var(--reveal-delay, 0ms);
}
.inab-page.has-scroll-reveals .scroll-reveal.is-visible { opacity: 1; translate: 0 0; }

@media (hover: hover) and (pointer: fine) {
  .brand:hover .brand-star { transform: rotate(45deg) scale(1.15); }
  .topbar-back span { display: inline-block; transition: transform .2s ease; }
  .topbar-back:hover span { transform: translate(3px, -3px); }
  .form-card { transition: border-color .25s ease, box-shadow .25s ease; }
  .form-card:hover { border-color: #d7dfe8; box-shadow: 0 28px 78px rgba(22, 38, 59, .12); }
  .field input:hover, .field select:hover, .field textarea:hover { background-color: #fdfefe; }
  .privacy-link:hover { color: #a9681b; }
  .btn-submit .submit-arrow { transition: transform .2s ease, background .2s ease; }
  .btn-submit:hover .submit-arrow { transform: translate(2px, -2px); background: rgba(255,255,255,.2); }
  .btn-download span:last-child { transition: transform .2s ease; }
  .btn-download:hover span:last-child { transform: translateY(3px); }
  .brochure-card { transition: border-color .22s ease, box-shadow .22s ease, transform .22s ease; }
  .brochure-card:hover { transform: translateY(-2px); border-color: #d1d9e2; box-shadow: 0 14px 32px rgba(31, 48, 69, .07); }
}

@media (max-width: 980px) {
  .application-layout { grid-template-columns: minmax(0, 1.25fr) minmax(0, .75fr); gap: 28px; }
  .application-copy { padding-top: 48px; }
  .form-card { padding: 25px; }
  .benefit-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .brochure-card { grid-template-columns: 100px minmax(0, 1fr); gap: 22px; }
  .brochure-mark { grid-row: span 2; }
  .btn-download { grid-column: 2; justify-self: start; }
}

@media (max-width: 760px) {
  .container { width: min(100% - 34px, 600px); }
  .topbar-inner { min-height: 62px; }
  .topbar-label { display: none; }
  .application-hero { padding: 24px 0 58px; }
  .application-layout { display: flex; flex-direction: column; gap: 26px; }
  .form-card { order: -1; width: 100%; padding: 23px 19px; border-radius: 17px; }
  .application-copy { position: static; order: 0; padding: 4px 2px 0; }
  .application-copy h1 { max-width: 510px; font-size: clamp(33px, 7.5vw, 45px); }
  .eyebrow { font-size: 8px; }
  .intro-copy { font-size: 13px; }
  .audience-note { margin-top: 14px; }
  .text-link { margin-top: 17px; }
  .copy-signature { margin-top: 25px; }
  .why-section { padding: 58px 0; }
  .section-heading-row { display: block; margin-bottom: 23px; }
  .section-heading-row > p { margin-top: 14px; font-size: 12px; }
  .benefit-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
  .benefit { min-height: unset; padding: 19px; }
  .benefit-icon { margin-bottom: 13px; }
  .process-section { padding: 42px 0; }
  .process-layout { grid-template-columns: 1fr; gap: 25px; }
  .process-steps li { padding-right: 10px; padding-left: 12px; }
  .process-steps li:first-child { padding-left: 0; }
  .process-steps li p { font-size: 10px; }
  .brochure-section { padding: 42px 0; }
  .brochure-card { grid-template-columns: 74px minmax(0, 1fr); gap: 15px; padding: 18px; }
  .brochure-mark { min-height: 92px; padding: 10px; }
  .brochure-mark span { font-size: 17px; }
  .brochure-copy h2 { font-size: 21px; }
  .brochure-copy p { font-size: 11px; }
  .btn-download { grid-column: 1 / -1; width: 100%; }
}

@media (max-width: 480px) {
  .topbar-back { font-size: 11px; }
  .form-card { padding: 20px 15px; }
  .form-grid { grid-template-columns: 1fr; gap: 13px; }
  .field-wide { grid-column: auto; }
  .form-section { padding: 18px 0; }
  .section-heading { margin-bottom: 14px; }
  .field input, .field select, .field textarea { min-height: 52px; font-size: 16px; }
  .process-steps { grid-template-columns: 1fr; gap: 15px; }
  .process-steps li, .process-steps li:first-child { min-height: 0; padding: 0 0 0 13px; border-left: 1px solid rgba(255,255,255,.2); }
  .process-steps li p { max-width: unset; margin-top: 4px; }
  .footer-inner { flex-wrap: wrap; gap: 12px; }
  .footer-inner > a:last-child { margin-left: 0; }
}

@media (max-width: 520px) {
  .benefit-grid { grid-template-columns: 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; }
  .inab-page.has-scroll-reveals .scroll-reveal { opacity: 1; translate: none; }
}