:root {
  --green: #35a83f;
  --green-dark: #1f7a2b;
  --ink: #16241d;
  --ink-soft: #3c4a41;
  --bg: #ffffff;
  --bg-soft: #f4f9f4;
  --border: #e3ebe4;
  --shadow: 0 20px 40px -20px rgba(22, 36, 29, 0.25);
  --radius: 16px;
  --max-width: 1160px;
  --font-head: "Poppins", "Segoe UI", sans-serif;
  --font-body: "Inter", "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
}

img, svg { display: block; max-width: 100%; }

a { color: inherit; }

.wrap {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

/* ---------- Logo ---------- */
.logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}

.logo .mark {
  width: 40px;
  height: 40px;
  flex-shrink: 0;
}

.logo .word {
  font-family: var(--font-head);
  line-height: 1.05;
}

.logo .word .line1 {
  display: block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  color: var(--ink);
}

.logo .word .line2 {
  display: block;
  font-size: 20px;
  font-weight: 800;
  letter-spacing: 0.02em;
  color: var(--green);
}

.logo.large .mark { width: 64px; height: 64px; }
.logo.large .word .line1 { font-size: 15px; }
.logo.large .word .line2 { font-size: 30px; }

/* ---------- Header ---------- */
header.site {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--border);
}

header.site .inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
}

nav.primary {
  display: flex;
  align-items: center;
  gap: 32px;
}

nav.primary a {
  text-decoration: none;
  font-weight: 600;
  font-size: 14.5px;
  color: var(--ink-soft);
}

nav.primary a:hover { color: var(--green-dark); }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border-radius: 999px;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 14.5px;
  padding: 12px 24px;
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}

.btn.primary {
  background: var(--green);
  color: #fff;
  box-shadow: 0 10px 24px -10px rgba(53, 168, 63, 0.6);
}

.btn.primary:hover { background: var(--green-dark); transform: translateY(-1px); }

.btn.ghost {
  background: transparent;
  border-color: var(--border);
  color: var(--ink);
}

.btn.ghost:hover { border-color: var(--green); color: var(--green-dark); }

.nav-toggle { display: none; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  overflow: hidden;
  background: radial-gradient(1200px 500px at 80% -10%, #e7f6e8 0%, rgba(231, 246, 232, 0) 60%), var(--bg);
}

.hero .inner {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
  padding: 88px 0 96px;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--green-dark);
  background: var(--bg-soft);
  border: 1px solid var(--border);
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 20px;
}

.hero h1 {
  font-family: var(--font-head);
  font-size: clamp(34px, 4.4vw, 54px);
  line-height: 1.08;
  margin: 0 0 20px;
  letter-spacing: -0.01em;
}

.hero h1 .accent { color: var(--green); }

.hero p.lede {
  font-size: 18px;
  color: var(--ink-soft);
  max-width: 46ch;
  margin: 0 0 32px;
}

.hero .cta-row {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 28px;
}

.hero .trust-line {
  font-size: 13.5px;
  color: var(--ink-soft);
  display: flex;
  align-items: center;
  gap: 8px;
}

.hero .trust-line .dot {
  width: 6px; height: 6px; border-radius: 50%; background: var(--green);
}

.hero-card {
  position: relative;
  background: linear-gradient(155deg, #1c3a24 0%, #16241d 100%);
  border-radius: 24px;
  padding: 32px;
  color: #fff;
  box-shadow: var(--shadow);
}

.hero-card .sparkle { position: absolute; color: var(--green); opacity: 0.9; }

.hero-card .top-row {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 40px;
}

.hero-card .chip {
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #bfe6c4;
  font-weight: 700;
}

.hero-card .amount {
  font-family: var(--font-head);
  font-size: 40px;
  font-weight: 800;
  margin: 6px 0 28px;
}

.hero-card .schedule {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.hero-card .schedule .row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 12px;
  padding: 12px 16px;
  font-size: 14px;
}

.hero-card .schedule .row.active {
  background: var(--green);
  border-color: var(--green);
  font-weight: 700;
}

/* ---------- Section shells ---------- */
section { padding: 88px 0; }
section.soft { background: var(--bg-soft); }
section .head { max-width: 640px; margin: 0 auto 56px; text-align: center; }

.kicker {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--green-dark);
  margin-bottom: 10px;
}

section h2 {
  font-family: var(--font-head);
  font-size: clamp(28px, 3.2vw, 38px);
  margin: 0 0 14px;
  letter-spacing: -0.01em;
}

section .head p {
  color: var(--ink-soft);
  font-size: 16.5px;
  margin: 0;
}

/* ---------- How it works ---------- */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.step {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 28px;
  position: relative;
}

.step .num {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--bg-soft);
  color: var(--green-dark);
  font-family: var(--font-head);
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  border: 1px solid var(--border);
}

.step h3 {
  font-family: var(--font-head);
  font-size: 19px;
  margin: 0 0 10px;
}

.step p { margin: 0; color: var(--ink-soft); font-size: 15px; }

/* ---------- Benefits ---------- */
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.benefit {
  padding: 28px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: #fff;
  transition: box-shadow 0.15s ease, transform 0.15s ease;
}

.benefit:hover { box-shadow: var(--shadow); transform: translateY(-2px); }

.benefit .icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--bg-soft);
  color: var(--green-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
}

.benefit h3 {
  font-family: var(--font-head);
  font-size: 17px;
  margin: 0 0 8px;
}

.benefit p { margin: 0; color: var(--ink-soft); font-size: 14.5px; }

/* ---------- FAQ ---------- */
.faq-list { max-width: 760px; margin: 0 auto; }

.faq-item {
  border-bottom: 1px solid var(--border);
}

.faq-item summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 4px;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 16px;
}

.faq-item summary::-webkit-details-marker { display: none; }

.faq-item summary .plus {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  position: relative;
  margin-left: 16px;
}

.faq-item summary .plus::before,
.faq-item summary .plus::after {
  content: "";
  position: absolute;
  background: var(--green-dark);
  border-radius: 2px;
}

.faq-item summary .plus::before { width: 16px; height: 2px; top: 11px; left: 4px; }
.faq-item summary .plus::after { width: 2px; height: 16px; top: 4px; left: 11px; transition: transform 0.15s ease; }

.faq-item[open] summary .plus::after { transform: rotate(90deg); opacity: 0; }

.faq-item p {
  margin: 0 0 22px;
  color: var(--ink-soft);
  font-size: 15px;
  padding-right: 40px;
}

/* ---------- Apply / Contact ---------- */
.apply-switch {
  display: flex;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}

.apply-switch a {
  text-decoration: none;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 14px;
  padding: 10px 20px;
  border-radius: 999px;
  background: #fff;
  border: 1px solid var(--border);
  color: var(--ink);
  transition: border-color 0.15s ease, color 0.15s ease;
}

.apply-switch a:hover { border-color: var(--green); color: var(--green-dark); }

.apply-panel {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 0;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 24px;
  overflow: hidden;
  box-shadow: var(--shadow);
  scroll-margin-top: 90px;
}

.apply-panel + .apply-panel { margin-top: 32px; }

.apply-info {
  background: linear-gradient(155deg, #1c3a24 0%, #16241d 100%);
  color: #fff;
  padding: 48px 40px;
}

.apply-info h2 {
  font-family: var(--font-head);
  font-size: 28px;
  margin: 0 0 14px;
}

.apply-info p {
  color: #d7ecd9;
  font-size: 15px;
  margin: 0 0 28px;
}

.apply-info ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 14px; }

.apply-info li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14.5px;
  color: #eaf7ea;
}

.apply-info li .tick {
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--green);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}

.apply-form { padding: 48px 40px; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }

.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 16px; }

.field label { font-size: 13.5px; font-weight: 600; color: var(--ink); }

.field input,
.field textarea,
.field select {
  font-family: var(--font-body);
  font-size: 15px;
  padding: 12px 14px;
  border-radius: 10px;
  border: 1px solid var(--border);
  background: var(--bg-soft);
  color: var(--ink);
  outline: none;
  transition: border-color 0.15s ease, background 0.15s ease;
}

.field input:focus,
.field textarea:focus,
.field select:focus {
  border-color: var(--green);
  background: #fff;
}

.field textarea { resize: vertical; min-height: 90px; }

.form-note { font-size: 12.5px; color: var(--ink-soft); margin: 0 0 20px; }

.form-status {
  display: none;
  align-items: center;
  gap: 10px;
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 14px 16px;
  font-size: 14px;
  font-weight: 600;
  color: var(--green-dark);
  margin-top: 6px;
}

.form-status.show { display: flex; }

/* ---------- Footer ---------- */
footer.site {
  background: var(--ink);
  color: #cfe0d3;
  padding: 64px 0 32px;
}

footer.site .top {
  display: grid;
  grid-template-columns: 1.4fr repeat(3, 1fr);
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

footer.site .logo .line1 { color: #cfe0d3; }
footer.site p.tag { font-size: 14px; color: #9db3a2; margin: 14px 0 0; max-width: 32ch; }

footer.site h4 {
  font-family: var(--font-head);
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #fff;
  margin: 0 0 16px;
}

footer.site ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 10px; }
footer.site a { text-decoration: none; font-size: 14px; color: #9db3a2; }
footer.site a:hover { color: #fff; }

footer.site .bottom {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 20px;
  padding-top: 28px;
  font-size: 12.5px;
  color: #83987f;
  flex-wrap: wrap;
}

footer.site .bottom .legal { max-width: 62ch; }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  nav.primary { display: none; }
  .hero .inner { grid-template-columns: 1fr; padding: 56px 0 64px; }
  .steps { grid-template-columns: 1fr; }
  .benefits-grid { grid-template-columns: repeat(2, 1fr); }
  .apply-panel { grid-template-columns: 1fr; }
  footer.site .top { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 560px) {
  .benefits-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  footer.site .top { grid-template-columns: 1fr; }
  .apply-form, .apply-info { padding: 32px 24px; }
  header.site .inner .btn.ghost { display: none; }
}