:root{--navy:#071525;--navy-2:#0c2340;--navy-3:#143556;--ink:#122033;--gold:#c9a227;--gold-2:#e0bc4a;--gold-dark:#9a7a14;--cream:#f7f3ea;--cream-2:#efe8d8;--teal:#1b7a6c;--teal-light:#2a9a88;--color-primary:#0c2340;--color-primary-dark:#071525;--color-primary-light:#1b7a6c;--color-accent:#c9a227;--color-accent-dark:#9a7a14;--color-slate-900:#122033;--color-slate-800:#1a2d44;--color-slate-700:#3d4f63;--color-slate-600:#5a6b7d;--color-slate-500:#7a8796;--color-slate-300:#c5ccd4;--color-slate-200:#e4ddd0;--color-slate-100:#efe8d8;--color-slate-50:#f7f3ea;--color-white:#ffffff;--color-success:#1b7a6c;--color-error:#b42318;--font-sans:"Manrope","Segoe UI",system-ui,-apple-system,sans-serif;--font-display:"Fraunces","Georgia",serif;--shadow-sm:0 1px 2px rgba(7,21,37,0.06);--shadow-md:0 8px 24px rgba(7,21,37,0.1);--shadow-lg:0 24px 48px rgba(7,21,37,0.16);--shadow-gold:0 10px 28px rgba(201,162,39,0.28);--radius-sm:8px;--radius-md:14px;--radius-lg:20px;--radius-xl:28px;--container-max:1160px;--header-height:76px}*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;scroll-padding-top:var(--header-height)}body{font-family:var(--font-sans);font-size:16px;line-height:1.65;color:var(--color-slate-700);background:var(--cream);-webkit-font-smoothing:antialiased}img{max-width:100%;height:auto;display:block}a{color:var(--teal);text-decoration:none;transition:color 0.2s}a:hover{color:var(--navy-2)}.skip-link{position:absolute;top:-100%;left:16px;z-index:9999;padding:10px 16px;background:var(--gold);color:var(--navy);border-radius:var(--radius-sm);font-weight:700}.skip-link:focus{top:16px}.container{width:100%;max-width:var(--container-max);margin:0 auto;padding:0 22px}.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:0.75rem;font-weight:800;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold-dark);margin-bottom:12px}.eyebrow::before{content:"";width:22px;height:2px;background:var(--gold);border-radius:2px}.section-title{font-family:var(--font-display);font-size:clamp(1.7rem,3.6vw,2.4rem);font-weight:650;color:var(--navy);line-height:1.2;margin-bottom:14px;letter-spacing:-0.02em}.section-desc{font-size:1.0625rem;color:var(--color-slate-600);max-width:640px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 24px;font-size:0.9375rem;font-weight:700;border-radius:999px;border:2px solid transparent;cursor:pointer;transition:transform 0.18s,box-shadow 0.18s,background 0.18s,color 0.18s,border-color 0.18s;text-decoration:none;font-family:inherit}.btn:hover{transform:translateY(-1px)}.btn:active{transform:translateY(0)}.btn-primary{background:linear-gradient(180deg,var(--gold-2),var(--gold));color:var(--navy);border-color:var(--gold);box-shadow:var(--shadow-gold)}.btn-primary:hover{background:var(--gold-2);border-color:var(--gold-2);color:var(--navy)}.btn-outline{background:transparent;color:var(--navy-2);border-color:rgba(12,35,64,0.22)}.btn-outline:hover{background:var(--navy);color:var(--cream);border-color:var(--navy)}.hero .btn-outline,.process-section .btn-outline,.cta-banner .btn-outline{color:var(--cream);border-color:rgba(247,243,234,0.35)}.hero .btn-outline:hover,.process-section .btn-outline:hover,.cta-banner .btn-outline:hover{background:var(--cream);color:var(--navy);border-color:var(--cream)}.btn-accent{background:var(--gold);color:var(--navy);border-color:var(--gold)}.btn-accent:hover{background:var(--gold-2);border-color:var(--gold-2);color:var(--navy)}.btn-lg{padding:15px 30px;font-size:1rem}.btn-arrow::after{content:"→";transition:transform 0.2s}.btn-arrow:hover::after{transform:translateX(4px)}.site-header{position:sticky;top:0;z-index:1000;background:rgba(247,243,234,0.86);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border-bottom:1px solid rgba(12,35,64,0.08);height:var(--header-height);transition:background 0.2s,box-shadow 0.2s}.site-header.scrolled{background:rgba(247,243,234,0.96);box-shadow:0 8px 24px rgba(7,21,37,0.08)}.header-inner{display:flex;align-items:center;justify-content:space-between;height:var(--header-height)}.logo{display:flex;align-items:center;gap:10px;font-size:1.05rem;font-weight:800;color:var(--navy);text-decoration:none;white-space:nowrap;letter-spacing:-0.02em}.logo:hover{color:var(--navy-2)}.logo-icon{width:42px;height:42px;background:linear-gradient(145deg,var(--navy-2),var(--navy));border-radius:12px;display:flex;align-items:center;justify-content:center;color:var(--gold);font-weight:800;font-size:0.72rem;letter-spacing:0.04em;box-shadow:inset 0 0 0 1px rgba(201,162,39,0.35)}.main-nav{display:flex;align-items:center;gap:28px}.main-nav a{color:var(--color-slate-700);font-weight:650;font-size:0.9rem;position:relative}.main-nav a:hover,.main-nav a.active{color:var(--navy)}.main-nav a.active::after{content:"";position:absolute;left:0;right:0;bottom:-8px;height:2px;background:var(--gold);border-radius:2px}.header-cta{display:flex;align-items:center;gap:12px}.lang-toggle{display:inline-flex;align-items:center;border:1px solid rgba(12,35,64,0.12);border-radius:999px;overflow:hidden;flex-shrink:0;background:var(--color-white)}.lang-toggle a{padding:6px 11px;font-size:0.72rem;font-weight:800;letter-spacing:0.04em;color:var(--color-slate-600);text-decoration:none;line-height:1.2}.lang-toggle a[aria-current="page"]{background:var(--navy);color:var(--gold)}.lang-toggle a:hover:not([aria-current="page"]){background:var(--cream-2);color:var(--navy)}html[lang="hi-IN"] body{font-family:"Noto Sans Devanagari","Manrope",system-ui,sans-serif}html[lang="hi-IN"] .section-title,html[lang="hi-IN"] .hero h1,html[lang="hi-IN"] .page-hero h1{font-family:"Noto Sans Devanagari","Fraunces",serif}.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:8px;color:var(--navy)}.nav-toggle svg{width:28px;height:28px}.hero{position:relative;padding:72px 0 88px;background:radial-gradient(ellipse 80% 70% at 85% 10%,rgba(201,162,39,0.18),transparent 55%),radial-gradient(ellipse 60% 50% at 0% 80%,rgba(27,122,108,0.18),transparent 50%),linear-gradient(165deg,#0a1c33 0%,#071525 55%,#0e2a4a 100%);overflow:hidden;color:var(--cream)}.hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(247,243,234,0.06) 1px,transparent 1px);background-size:22px 22px;pointer-events:none}.hero-grid{position:relative;display:grid;grid-template-columns:1.05fr 0.95fr;gap:56px;align-items:center}.hero-content{max-width:580px}.hero-badge{display:inline-flex;align-items:center;gap:8px;padding:7px 14px;background:rgba(201,162,39,0.14);color:var(--gold-2);border:1px solid rgba(201,162,39,0.28);border-radius:100px;font-size:0.78rem;font-weight:700;margin-bottom:18px;letter-spacing:0.04em}.hero h1{font-family:var(--font-display);font-size:clamp(2.05rem,4.6vw,3.35rem);font-weight:650;color:var(--color-white);line-height:1.12;margin-bottom:18px;letter-spacing:-0.03em}.hero-desc{font-size:1.08rem;color:rgba(247,243,234,0.82);margin-bottom:28px;line-height:1.75}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:22px}.hero-trust{display:flex;flex-wrap:wrap;gap:10px 16px;list-style:none;margin:0;padding:0}.hero-trust li{font-size:0.8rem;font-weight:650;color:rgba(247,243,234,0.7);display:flex;align-items:center;gap:6px}.hero-trust li::before{content:"✓";color:var(--gold);font-weight:800}.hero-visual{position:relative}.hero-image-wrap{border-radius:var(--radius-xl);overflow:hidden;box-shadow:0 30px 60px rgba(0,0,0,0.35);aspect-ratio:4/3;background:linear-gradient(135deg,var(--navy-3),var(--navy));position:relative;border:1px solid rgba(201,162,39,0.2)}.hero-image-wrap img,.about-image img{width:100%;height:100%;object-fit:cover}.hero-float-card{position:absolute;bottom:-18px;left:-18px;background:var(--color-white);padding:14px 18px;border-radius:16px;box-shadow:var(--shadow-lg);display:flex;align-items:center;gap:12px;color:var(--ink)}.hero-float-card.alt{left:auto;right:-12px;bottom:auto;top:18px}.hero-float-card .icon{width:44px;height:44px;background:rgba(201,162,39,0.16);border-radius:12px;display:flex;align-items:center;justify-content:center;color:var(--gold-dark);font-weight:800;font-size:1.15rem}.hero-float-card strong{display:block;color:var(--navy);font-size:0.9rem}.hero-float-card span{font-size:0.78rem;color:var(--color-slate-500)}.stats-bar{padding:0;background:transparent;border:0;margin-top:-36px;position:relative;z-index:2}.stats-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;text-align:center;background:var(--color-white);border-radius:var(--radius-xl);padding:22px 12px;box-shadow:var(--shadow-lg);border:1px solid rgba(12,35,64,0.06)}.stat-item strong{display:block;font-family:var(--font-display);font-size:2rem;font-weight:650;color:var(--navy);line-height:1.2}.stat-item span{font-size:0.9rem;color:var(--color-slate-600);font-weight:600}.banks-section{padding:72px 0 64px;background:var(--cream)}.banks-section h2{text-align:center;font-family:var(--font-display);font-size:clamp(1.35rem,3vw,1.75rem);color:var(--navy);margin-bottom:28px;font-weight:650}.banks-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;list-style:none}.banks-grid>li::marker{content:none}.bank-item{background:var(--color-white);padding:0;border-radius:var(--radius-md);border:1px solid rgba(12,35,64,0.08);font-size:0.875rem;font-weight:700;color:var(--navy);text-align:center;transition:transform 0.2s,border-color 0.2s,box-shadow 0.2s}.bank-item a{color:inherit;text-decoration:none;display:block;padding:18px 14px}.bank-item a:hover{color:var(--navy)}.bank-item:hover{border-color:var(--gold);box-shadow:var(--shadow-md);transform:translateY(-3px)}.about-section{padding:80px 0;background:var(--color-white)}.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}.about-image{border-radius:var(--radius-xl);overflow:hidden;aspect-ratio:4/3;background:var(--cream-2);box-shadow:var(--shadow-md);border:1px solid rgba(12,35,64,0.06)}.about-content p{margin-bottom:16px;color:var(--color-slate-600);line-height:1.8}.read-more{display:inline-flex;align-items:center;gap:6px;font-weight:800;color:var(--navy-2);margin-top:8px}.read-more:hover{color:var(--gold-dark)}.services-section{padding:88px 0;background:radial-gradient(ellipse at top,#fffdf8,var(--cream) 60%)}.section-header{text-align:center;margin-bottom:48px}.section-header .eyebrow{justify-content:center}.section-header .section-desc{margin:0 auto}.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.service-card{background:var(--color-white);padding:28px 24px;border-radius:var(--radius-lg);border:1px solid rgba(12,35,64,0.07);transition:transform 0.2s,box-shadow 0.2s,border-color 0.2s}.service-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);border-color:rgba(201,162,39,0.45)}.service-icon{width:52px;height:52px;background:linear-gradient(145deg,rgba(201,162,39,0.16),rgba(27,122,108,0.1));border-radius:14px;display:flex;align-items:center;justify-content:center;color:var(--navy-2);margin-bottom:16px}.service-card h3{font-size:1.05rem;color:var(--navy);margin-bottom:8px}.service-card p{font-size:0.9375rem;color:var(--color-slate-600);line-height:1.65}.benefits-section{padding:88px 0;background:var(--navy);color:var(--cream)}.benefits-section .eyebrow{color:var(--gold-2)}.benefits-section .eyebrow::before{background:var(--gold)}.benefits-section .section-title{color:var(--color-white)}.benefits-section .section-desc{color:rgba(247,243,234,0.72)}.benefits-header{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:48px;flex-wrap:wrap;gap:24px}.benefits-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.benefit-card{padding:26px 22px;border-radius:var(--radius-lg);background:rgba(255,255,255,0.04);border:1px solid rgba(247,243,234,0.1)}.benefit-card h3{font-size:1.05rem;color:var(--gold-2);margin-bottom:8px}.benefit-card p{font-size:0.9rem;color:rgba(247,243,234,0.72)}.process-section{padding:88px 0;background:var(--cream);color:var(--ink)}.process-section .eyebrow{color:var(--gold-dark)}.process-section .section-title{color:var(--navy)}.process-section .section-desc{color:var(--color-slate-600)}.process-section .section-header{margin-bottom:56px}.process-steps{display:grid;grid-template-columns:repeat(5,1fr);gap:16px;margin-bottom:48px;list-style:none}.process-step{text-align:center;position:relative;background:var(--color-white);border-radius:var(--radius-lg);padding:24px 14px 22px;border:1px solid rgba(12,35,64,0.07)}.step-number{width:48px;height:48px;background:var(--navy);color:var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.1rem;margin:0 auto 14px;box-shadow:0 0 0 4px rgba(201,162,39,0.18)}.process-step h3{font-size:0.95rem;margin-bottom:8px;color:var(--navy)}.process-step p{font-size:0.8125rem;color:var(--color-slate-600);line-height:1.55}.process-cta{text-align:center}.faq-section{padding:88px 0;background:var(--color-white)}.faq-list{max-width:820px;margin:0 auto}.faq-item{border:1px solid rgba(12,35,64,0.08);border-radius:var(--radius-md);margin-bottom:10px;background:var(--cream);overflow:hidden}.faq-question{width:100%;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:18px 20px;background:none;border:none;cursor:pointer;text-align:left;font-size:1rem;font-weight:700;color:var(--navy);font-family:inherit}.faq-question:hover{color:var(--navy-2)}.faq-icon{flex-shrink:0;width:30px;height:30px;border-radius:50%;background:var(--navy);display:flex;align-items:center;justify-content:center;font-size:1.2rem;color:var(--gold);transition:transform 0.3s}.faq-item.active .faq-icon{transform:rotate(45deg)}.faq-answer{max-height:0;overflow:hidden;transition:max-height 0.35s ease,padding 0.35s ease}.faq-item.active .faq-answer{max-height:420px;padding:0 20px 18px}.faq-answer p{color:var(--color-slate-600);line-height:1.75;font-size:0.95rem}.home-guides{padding:72px 0;background:var(--cream)}.cta-banner{padding:88px 0;background:radial-gradient(ellipse at 80% 20%,rgba(201,162,39,0.22),transparent 50%),linear-gradient(160deg,#0c2340,#071525);text-align:center;color:var(--cream)}.cta-banner .eyebrow{color:var(--gold-2);justify-content:center}.cta-banner .section-title{color:var(--color-white);margin-bottom:12px}.cta-banner .section-desc{margin:0 auto 28px;text-align:center;color:rgba(247,243,234,0.75)}.apply-modal{position:fixed;inset:0;z-index:10000;display:flex;align-items:center;justify-content:center;padding:24px 16px}.apply-modal[hidden]{display:none}.apply-modal-backdrop{position:absolute;inset:0;background:rgba(7,21,37,0.72);backdrop-filter:blur(4px)}.apply-modal-dialog{position:relative;z-index:1;width:100%;max-width:560px;max-height:calc(100vh - 48px);overflow:hidden;display:flex;flex-direction:column;background:var(--color-white);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);animation:apply-modal-in 0.22s ease-out}@keyframes apply-modal-in{from{opacity:0;transform:translateY(12px) scale(0.98)}to{opacity:1;transform:translateY(0) scale(1)}}.apply-modal-header{display:flex;align-items:flex-start;justify-content:space-between;gap:16px;padding:22px 28px;background:var(--navy);color:var(--cream)}.apply-modal-header h2{font-family:var(--font-display);font-size:1.4rem;font-weight:650;color:var(--color-white);margin:0 0 4px;line-height:1.3}.apply-modal-header .form-subtitle{margin:0;font-size:0.875rem;color:rgba(247,243,234,0.75)}.apply-modal-close{flex-shrink:0;display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;margin:-6px -8px 0 0;border:none;border-radius:var(--radius-sm);background:transparent;color:var(--color-white);cursor:pointer}.apply-modal-close:hover,.apply-modal-close:focus-visible{background:rgba(255,255,255,0.12);outline:none}.apply-modal-body{padding:28px;overflow-y:auto}.apply-modal-skip{display:block;width:100%;margin-top:12px;padding:10px;background:none;border:none;font-family:inherit;font-size:0.875rem;font-weight:600;color:var(--color-slate-500);cursor:pointer;text-decoration:underline;text-underline-offset:3px}.apply-modal-skip:hover{color:var(--navy)}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}.form-group-half{max-width:calc(50% - 8px)}.form-group{margin-bottom:16px}.form-group label{display:block;font-size:0.875rem;font-weight:700;color:var(--navy);margin-bottom:6px}.form-group label .required{color:var(--color-error)}.form-group input,.form-group select,.form-group textarea{width:100%;padding:11px 14px;font-size:0.9375rem;font-family:inherit;border:1px solid var(--color-slate-200);border-radius:12px;background:var(--cream);color:var(--navy);transition:border-color 0.2s,box-shadow 0.2s,background 0.2s}.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;background:var(--color-white);border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,162,39,0.2)}.form-group input.error,.form-group select.error{border-color:var(--color-error)}.form-error{font-size:0.8125rem;color:var(--color-error);margin-top:4px;display:none}.form-group.has-error .form-error{display:block}.form-checkbox{display:flex;align-items:flex-start;gap:10px;margin-bottom:20px}.form-checkbox input{width:18px;height:18px;margin-top:3px;accent-color:var(--navy);flex-shrink:0}.form-checkbox label{font-size:0.8125rem;color:var(--color-slate-600);line-height:1.5}.form-checkbox.has-error label{color:var(--color-error)}.form-submit{width:100%;padding:14px;font-size:1rem}.form-note{font-size:0.75rem;color:var(--color-slate-500);text-align:center;margin-top:12px;line-height:1.5}.honeypot{position:absolute;left:-9999px;opacity:0;height:0;overflow:hidden}.form-alert{padding:12px 16px;border-radius:var(--radius-sm);font-size:0.875rem;margin-bottom:16px;display:none}.form-alert.error{display:block;background:#fef2f2;color:var(--color-error);border:1px solid #fecaca}.form-alert.success{display:block;background:#ecfdf5;color:var(--color-success);border:1px solid #a7f3d0}body.modal-open{overflow:hidden}.site-footer{background:var(--navy);color:rgba(247,243,234,0.7);padding:72px 0 24px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px;margin-bottom:48px}.footer-brand p{font-size:0.9375rem;line-height:1.7;margin:16px 0 20px;max-width:360px}.footer-brand address{font-style:normal;font-size:0.875rem;line-height:1.55;margin:-8px 0 20px;max-width:360px;color:rgba(247,243,234,0.68)}.footer-brand .logo{color:var(--color-white);margin-bottom:0}.footer-col h3{color:var(--gold-2);font-size:0.82rem;letter-spacing:0.08em;text-transform:uppercase;margin-bottom:16px}.footer-links{list-style:none}.footer-links li{margin-bottom:10px}.footer-links a{color:rgba(247,243,234,0.68);font-size:0.9375rem}.footer-links a:hover{color:var(--gold-2)}.footer-contact li{display:flex;align-items:flex-start;gap:10px;margin-bottom:12px;font-size:0.9375rem}.footer-address{line-height:1.55;max-width:280px}.footer-bottom{border-top:1px solid rgba(247,243,234,0.1);padding-top:24px;text-align:center;font-size:0.8125rem;color:rgba(247,243,234,0.45)}.footer-disclaimer{margin-top:8px;font-size:0.75rem;color:rgba(247,243,234,0.38)}.breadcrumb{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:8px;font-size:0.875rem;color:rgba(247,243,234,0.55);margin-bottom:16px}.breadcrumb a{color:var(--gold-2)}.breadcrumb a:hover{color:var(--gold)}.page-hero{padding:56px 0 48px;background:radial-gradient(ellipse at 90% 0%,rgba(201,162,39,0.16),transparent 50%),linear-gradient(165deg,#0c2340,#071525);text-align:center}.page-hero h1{font-family:var(--font-display);font-size:clamp(1.75rem,4vw,2.6rem);color:var(--color-white);margin-bottom:12px;letter-spacing:-0.02em}.page-hero p{color:rgba(247,243,234,0.75);max-width:640px;margin:0 auto}.page-content{padding:64px 0;max-width:800px;margin:0 auto}.page-content h2{font-family:var(--font-display);font-size:1.4rem;color:var(--navy);margin:32px 0 12px}.page-content h2:first-child{margin-top:0}.page-content p,.page-content li{color:var(--color-slate-600);line-height:1.8;margin-bottom:12px}.page-content ul,.page-content ol{padding-left:24px;margin-bottom:16px}.page-content h3{font-size:1.125rem;color:var(--navy);margin:24px 0 8px}.page-content table{width:100%;border-collapse:collapse;margin:16px 0 24px;font-size:0.9375rem;background:var(--color-white);border-radius:12px;overflow:hidden}.page-content th,.page-content td{text-align:left;padding:12px 14px;border:1px solid var(--color-slate-200);vertical-align:top}.page-content th{background:var(--navy);color:var(--gold-2);font-weight:700}.related-block{margin-top:40px;padding:24px;background:var(--color-white);border:1px solid rgba(12,35,64,0.08);border-radius:var(--radius-lg)}.related-block h2{margin-top:0}.related-block ul{margin-bottom:0}.guide-cards,.hub-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;list-style:none;padding:0;margin:0 0 24px}.guide-card,.hub-card{display:block;padding:22px;background:var(--color-white);border:1px solid rgba(12,35,64,0.08);border-radius:var(--radius-md);color:var(--color-slate-700);transition:transform 0.2s,box-shadow 0.2s,border-color 0.2s}.guide-card:hover,.hub-card:hover{border-color:var(--gold);color:var(--navy);transform:translateY(-3px);box-shadow:var(--shadow-md)}.guide-card strong,.hub-card strong{display:block;color:var(--navy);margin-bottom:6px}.page-content #csp-apply-form{background:var(--color-white);padding:28px;border-radius:var(--radius-lg);border:1px solid rgba(12,35,64,0.08);box-shadow:var(--shadow-md);margin:24px 0}.apply-page .form-note{margin-top:12px}.apply-page #csp-apply-form{background:var(--color-white);padding:28px;border-radius:var(--radius-lg);border:1px solid rgba(12,35,64,0.08);box-shadow:var(--shadow-md)}.contact-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin-top:48px}.contact-card{padding:28px;background:var(--color-white);border-radius:var(--radius-lg);border:1px solid rgba(12,35,64,0.08);text-align:center}.contact-card .icon{width:52px;height:52px;background:rgba(201,162,39,0.14);border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;color:var(--navy)}.contact-card h3{font-size:1rem;color:var(--navy);margin-bottom:8px}.contact-card p,.contact-card a,.contact-card address{font-size:0.9375rem;color:var(--color-slate-600);font-style:normal;line-height:1.6}.thank-you-box{text-align:center;padding:88px 20px}.thank-you-icon{width:84px;height:84px;background:rgba(27,122,108,0.12);border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 24px;color:var(--teal);font-size:2.5rem}@media (max-width:1024px){.hero-grid,.about-grid{grid-template-columns:1fr;gap:40px}.hero-visual{order:-1;max-width:560px}.services-grid{grid-template-columns:repeat(2,1fr)}.benefits-grid{grid-template-columns:repeat(2,1fr)}.process-steps{grid-template-columns:repeat(3,1fr)}.banks-grid{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.hero-float-card.alt{display:none}}@media (max-width:768px){.nav-toggle{display:block}.main-nav{position:fixed;top:var(--header-height);left:0;right:0;background:var(--cream);flex-direction:column;padding:24px;gap:20px;border-bottom:1px solid var(--color-slate-200);box-shadow:var(--shadow-md);transform:translateY(-120%);opacity:0;visibility:hidden;transition:all 0.3s}.main-nav.open{transform:translateY(0);opacity:1;visibility:visible}.main-nav a.active::after{display:none}.header-cta .btn-outline{display:none}.logo{font-size:0.9375rem;gap:8px}.logo-icon{width:36px;height:36px;font-size:0.7rem}.header-cta .btn{padding:10px 14px;font-size:0.875rem}.lang-toggle a{padding:5px 8px;font-size:0.6875rem}.stats-grid{grid-template-columns:1fr;gap:8px}.services-grid{grid-template-columns:1fr}.benefits-grid{grid-template-columns:1fr}.process-steps{grid-template-columns:1fr}.banks-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr;gap:32px}.benefits-header{flex-direction:column;align-items:flex-start}.contact-grid{grid-template-columns:1fr}.guide-cards,.hub-grid{grid-template-columns:1fr}.hero{padding:40px 0 72px}.hero-actions .btn{width:100%}.form-row{grid-template-columns:1fr}.form-group-half{max-width:100%}.apply-modal{padding:12px;align-items:flex-start}.apply-modal-dialog{max-height:calc(100vh - 24px)}.apply-modal-header{padding:18px 20px}.apply-modal-body{padding:20px}.hero-float-card{left:12px;right:12px;bottom:-20px}}@media (max-width:380px){.logo{font-size:0.8125rem}.header-cta .btn{padding:8px 12px;font-size:0.8125rem}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation-duration:0.01ms !important;transition-duration:0.01ms !important}}