* {
        margin: 0;
        padding: 0;
        box-sizing: border-box;
      }
      :root {
        --navy: #0b2545;
        --navy2: #13315c;
        --navy3: #134074;
        --red: #b91c1c;
        --red2: #dc2626;
        --gold: #b8860b;
        --gold2: #d4a017;
        --white: #ffffff;
        --offwhite: #f5f6f8;
        --gray: #6b7280;
        --lightgray: #e5e7eb;
        --darktext: #1e293b;
      }
      html {
        scroll-behavior: smooth;
      }
      body {
        font-family: "Inter", sans-serif;
        color: var(--darktext);
        background: #fff;
        overflow-x: hidden;
      }

      /* NAV */
      nav {
        position: fixed;
        top: 0;
        left: 0;
        right: 0;
        z-index: 1000;
        background: rgba(11, 37, 69, 0.98);
        backdrop-filter: blur(12px);
        height: 72px;
        display: flex;
        align-items: center;
        padding: 0 6%;
        justify-content: space-between;
        border-bottom: 1px solid rgba(255, 255, 255, 0.06);
      }
      .logo {
        display: flex;
        align-items: center;
        gap: 12px;
        text-decoration: none;
      }
      .logo-mark {
        width: 38px;
        height: 38px;
        background: linear-gradient(135deg, var(--red) 0%, #7f1d1d 100%);
        border-radius: 6px;
        display: flex;
        align-items: center;
        justify-content: center;
      }
      .logo-mark svg {
        width: 20px;
        height: 20px;
        fill: none;
        stroke: #fff;
        stroke-width: 2;
        stroke-linecap: round;
        stroke-linejoin: round;
      }
      .logo-name {
        color: #fff;
        font-size: 1rem;
        font-weight: 700;
        letter-spacing: 0.2px;
        line-height: 1;
      }
      .logo-name span {
        display: block;
        font-size: 0.68rem;
        font-weight: 400;
        color: rgba(255, 255, 255, 0.5);
        letter-spacing: 0.3px;
        text-transform: uppercase;
      }
      .nav-brand {
        display: flex;
        flex-direction: column;
        align-items: center;
        /* gap: 6px; */
      }
      .nav-brand span {
        color: rgba(255, 255, 255, 0.75);
        font-size: 0.7rem;
        display: block;
        line-height: 1;
        text-align: center;
      }
      .nav-logo {
        max-height: 64px;
        height: auto;
        padding: 8px 0;
      }
      .nav-links {
        display: flex;
        gap: 32px;
        list-style: none;
      }
      .nav-links a {
        color: rgba(255, 255, 255, 0.75);
        text-decoration: none;
        font-size: 0.85rem;
        font-weight: 500;
        letter-spacing: 0.2px;
        transition: color 0.2s;
      }
      .nav-links a:hover {
        color: #fff;
      }
      .nav-actions {
        display: flex;
        align-items: center;
        gap: 14px;
      }
      .nav-tel {
        color: rgba(255, 255, 255, 0.6);
        font-size: 0.82rem;
        font-weight: 500;
        text-decoration: none;
        transition: color 0.2s;
      }
      .nav-tel:hover {
        color: #fff;
      }
      .nav-apply {
        background: var(--red);
        color: #fff;
        padding: 9px 22px;
        border-radius: 5px;
        font-size: 0.82rem;
        font-weight: 600;
        text-decoration: none;
        letter-spacing: 0.3px;
        transition: background 0.2s;
      }
      .nav-apply:hover {
        background: var(--red2);
      }
      .nav-advisor {
        background: transparent;
        color: #fff;
        padding: 9px 22px;
        border-radius: 5px;
        font-size: 0.82rem;
        font-weight: 600;
        text-decoration: none;
        letter-spacing: 0.3px;
        border: 1.5px solid rgba(255, 255, 255, 0.4);
        transition: border-color 0.2s;
        white-space: nowrap;
      }
      .nav-advisor:hover {
        border-color: #fff;
      }
      .hamburger {
        display: none;
        flex-direction: column;
        gap: 5px;
        cursor: pointer;
        background: none;
        border: none;
        padding: 4px;
      }
      .hamburger span {
        width: 22px;
        height: 2px;
        background: #fff;
        border-radius: 2px;
      }
      .mobile-menu {
        display: none;
        position: fixed;
        top: 72px;
        left: 0;
        right: 0;
        background: var(--navy);
        padding: 20px 6%;
        z-index: 999;
        border-top: 1px solid rgba(255, 255, 255, 0.08);
      }
      .mobile-menu a {
        display: block;
        color: rgba(255, 255, 255, 0.8);
        text-decoration: none;
        padding: 13px 0;
        border-bottom: 1px solid rgba(255, 255, 255, 0.07);
        font-size: 0.95rem;
      }

      /* HERO */
      .hero {
        background: var(--navy);
        display: flex;
        align-items: center;
        padding: 100px 6% 60px;
        position: relative;
        overflow: hidden;
      }
      .hero-bg-lines {
        position: absolute;
        inset: 0;
        overflow: hidden;
        pointer-events: none;
      }
      .hero-bg-lines::before {
        content: "";
        position: absolute;
        top: -200px;
        right: -200px;
        width: 700px;
        height: 700px;
        border: 1px solid rgba(255, 255, 255, 0.04);
        border-radius: 50%;
      }
      .hero-bg-lines::after {
        content: "";
        position: absolute;
        top: -100px;
        right: -100px;
        width: 500px;
        height: 500px;
        border: 1px solid rgba(255, 255, 255, 0.04);
        border-radius: 50%;
      }
      .hero-accent {
        position: absolute;
        bottom: 0;
        left: 0;
        right: 0;
        height: 4px;
        background: linear-gradient(90deg, var(--red), var(--navy3), var(--red));
      }
      .hero-inner {
        max-width: 1200px;
        margin: 0 auto;
        width: 100%;
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 80px;
        align-items: center;
      }
      .hero-left {
        position: relative;
        z-index: 2;
      }
      .hero-eyebrow {
        display: inline-flex;
        align-items: center;
        gap: 8px;
        margin-bottom: 22px;
      }
      .hero-eyebrow span {
        width: 28px;
        height: 2px;
        background: var(--red);
      }
      .hero-eyebrow p {
        color: var(--gold2);
        font-size: 0.75rem;
        font-weight: 600;
        text-transform: uppercase;
        letter-spacing: 1.5px;
      }
      .hero h1 {
        font-family: "Playfair Display", serif;
        font-size: clamp(2.4rem, 4.5vw, 3.8rem);
        font-weight: 800;
        color: #fff;
        line-height: 1.1;
        margin-bottom: 22px;
      }
      .hero h1 em {
        color: var(--gold2);
        font-style: normal;
      }
      .hero-sub {
        color: rgba(255, 255, 255, 0.65);
        font-size: 1.05rem;
        line-height: 1.75;
        margin-bottom: 40px;
        max-width: 480px;
      }
      .hero-btns {
        display: flex;
        flex-wrap: wrap;
        gap: 12px;
        margin-bottom: 48px;
      }
      .btn-red {
        background: var(--red);
        color: #fff;
        padding: 13px 28px;
        border-radius: 5px;
        font-weight: 600;
        text-decoration: none;
        font-size: 0.9rem;
        letter-spacing: 0.3px;
        transition: all 0.2s;
        border: 2px solid var(--red);
      }
      .btn-red:hover {
        background: var(--red2);
        border-color: var(--red2);
      }
      .btn-ghost {
        background: transparent;
        color: #fff;
        padding: 13px 28px;
        border-radius: 5px;
        font-weight: 500;
        text-decoration: none;
        font-size: 0.9rem;
        border: 2px solid rgba(255, 255, 255, 0.25);
        transition: all 0.2s;
      }
      .btn-ghost:hover {
        border-color: rgba(255, 255, 255, 0.6);
      }
      .hero-trust {
        display: flex;
        flex-wrap: wrap;
        gap: 20px;
      }
      .trust-pill {
        display: flex;
        align-items: center;
        gap: 7px;
        color: rgba(255, 255, 255, 0.6);
        font-size: 0.8rem;
        font-weight: 500;
      }
      .trust-pill svg {
        width: 14px;
        height: 14px;
        stroke: var(--gold2);
        fill: none;
        stroke-width: 2.5;
        stroke-linecap: round;
        stroke-linejoin: round;
      }
      .hero-right {
        position: relative;
        z-index: 2;
      }
      .hero-card {
        background: rgba(255, 255, 255, 0.05);
        border: 1px solid rgba(255, 255, 255, 0.1);
        border-radius: 16px;
        padding: 36px;
        backdrop-filter: blur(10px);
      }
      .hero-card-label {
        font-size: 0.72rem;
        font-weight: 600;
        text-transform: uppercase;
        letter-spacing: 1px;
        color: rgba(255, 255, 255, 0.4);
        margin-bottom: 18px;
      }
      .hero-loan-list {
        display: flex;
        flex-direction: column;
        gap: 10px;
      }
      .hero-loan-item {
        display: flex;
        align-items: center;
        justify-content: space-between;
        padding: 10px 14px;
        background: rgba(255, 255, 255, 0.04);
        border-radius: 8px;
        border: 1px solid rgba(255, 255, 255, 0.07);
      }
      .hero-loan-item span {
        color: rgba(255, 255, 255, 0.8);
        font-size: 0.85rem;
        font-weight: 500;
      }
      .hero-loan-badge {
        font-size: 0.72rem;
        color: var(--gold2);
        font-weight: 600;
        background: rgba(212, 160, 23, 0.12);
        padding: 3px 10px;
        border-radius: 50px;
      }

      /* SECTIONS */
      section {
        padding: 96px 6%;
      }
      .inner {
        max-width: 1200px;
        margin: 0 auto;
      }
      .section-label {
        display: flex;
        align-items: center;
        gap: 10px;
        margin-bottom: 14px;
      }
      .section-label span {
        width: 24px;
        height: 2px;
        background: var(--red);
      }
      .section-label p {
        font-size: 0.72rem;
        font-weight: 700;
        text-transform: uppercase;
        letter-spacing: 1.5px;
        color: var(--red);
      }
      h2.title {
        font-family: "Playfair Display", serif;
        font-size: clamp(1.9rem, 3.5vw, 2.7rem);
        font-weight: 800;
        color: var(--navy);
        line-height: 1.2;
        margin-bottom: 14px;
      }
      h2.title.white {
        color: #fff;
      }
      p.subtitle {
        color: var(--gray);
        font-size: 1rem;
        line-height: 1.75;
        max-width: 560px;
      }
      p.subtitle.white {
        color: rgba(255, 255, 255, 0.65);
      }
      .center {
        text-align: center;
      }
      .center p.subtitle {
        margin: 0 auto;
      }

      /* LOANS */
      .loans-section {
        background: var(--offwhite);
      }
      .loans-grid {
        display: grid;
        grid-template-columns: repeat(auto-fit, minmax(310px, 1fr));
        gap: 20px;
        margin-top: 56px;
      }
      .loan-card {
        background: #fff;
        border-radius: 12px;
        padding: 32px;
        border: 1px solid var(--lightgray);
        transition: all 0.3s;
        position: relative;
        overflow: hidden;
      }
      .loan-card::after {
        content: "";
        position: absolute;
        left: 0;
        top: 0;
        bottom: 0;
        width: 3px;
        background: var(--lightgray);
        transition: background 0.3s;
      }
      .loan-card:hover::after {
        background: var(--red);
      }
      .loan-card:hover {
        box-shadow: 0 16px 48px rgba(11, 37, 69, 0.1);
        transform: translateY(-4px);
      }
      .loan-type-tag {
        font-size: 0.7rem;
        font-weight: 700;
        text-transform: uppercase;
        letter-spacing: 1px;
        color: var(--red);
        margin-bottom: 12px;
      }
      .loan-card h3 {
        font-size: 1.15rem;
        font-weight: 700;
        color: var(--navy);
        margin-bottom: 10px;
      }
      .loan-card p {
        color: var(--gray);
        font-size: 0.88rem;
        line-height: 1.7;
        margin-bottom: 20px;
      }
      .loan-highlight {
        display: flex;
        align-items: center;
        gap: 8px;
        font-size: 0.82rem;
        font-weight: 600;
        color: var(--navy);
        padding: 10px 14px;
        background: var(--offwhite);
        border-radius: 6px;
        margin-bottom: 18px;
      }
      .loan-highlight svg {
        width: 14px;
        height: 14px;
        stroke: var(--red);
        fill: none;
        stroke-width: 2.5;
        stroke-linecap: round;
        stroke-linejoin: round;
        flex-shrink: 0;
      }
      .loan-cta {
        font-size: 0.82rem;
        font-weight: 600;
        color: var(--red);
        text-decoration: none;
        display: inline-flex;
        align-items: center;
        gap: 5px;
        letter-spacing: 0.2px;
        transition: gap 0.2s;
      }
      .loan-cta:hover {
        gap: 10px;
      }

      /* CALCULATOR */
      .calc-section {
        background: var(--navy);
      }
      .calc-inner {
        max-width: 1200px;
        margin: 0 auto;
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 72px;
        align-items: start;
      }
      .calc-features {
        margin-top: 36px;
        display: flex;
        flex-direction: column;
        gap: 22px;
      }
      .calc-feat {
        display: flex;
        align-items: flex-start;
        gap: 16px;
      }
      .calc-feat-icon {
        width: 40px;
        height: 40px;
        min-width: 40px;
        border-radius: 8px;
        background: rgba(255, 255, 255, 0.07);
        display: flex;
        align-items: center;
        justify-content: center;
      }
      .calc-feat-icon svg {
        width: 18px;
        height: 18px;
        stroke: var(--gold2);
        fill: none;
        stroke-width: 2;
        stroke-linecap: round;
        stroke-linejoin: round;
      }
      .calc-feat h4 {
        font-size: 0.9rem;
        font-weight: 600;
        color: #fff;
        margin-bottom: 4px;
      }
      .calc-feat p {
        font-size: 0.82rem;
        color: rgba(255, 255, 255, 0.55);
        line-height: 1.6;
      }
      .calc-box {
        background: #fff;
        border-radius: 14px;
        padding: 36px;
      }
      .calc-box h3 {
        font-size: 1.1rem;
        font-weight: 700;
        color: var(--navy);
        margin-bottom: 6px;
      }
      .calc-box p {
        font-size: 0.82rem;
        color: var(--gray);
        margin-bottom: 26px;
      }
      .field {
        margin-bottom: 18px;
      }
      .field label {
        display: block;
        font-size: 0.75rem;
        font-weight: 600;
        color: var(--navy);
        margin-bottom: 7px;
        text-transform: uppercase;
        letter-spacing: 0.4px;
      }
      .field input,
      .field select {
        width: 100%;
        padding: 11px 14px;
        border: 1.5px solid var(--lightgray);
        border-radius: 7px;
        font-size: 0.93rem;
        color: var(--darktext);
        font-family: "Inter", sans-serif;
        outline: none;
        transition: border 0.2s;
        background: #fff;
      }
      .field input:focus,
      .field select:focus {
        border-color: var(--navy);
      }
      .field-row {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 14px;
      }
      .calc-submit {
        width: 100%;
        background: var(--navy);
        color: #fff;
        border: none;
        padding: 14px;
        border-radius: 7px;
        font-size: 0.92rem;
        font-weight: 700;
        cursor: pointer;
        font-family: "Inter", sans-serif;
        letter-spacing: 0.3px;
        transition: background 0.2s;
        margin-top: 6px;
      }
      .calc-submit:hover {
        background: var(--navy2);
      }
      .calc-result {
        display: none;
        margin-top: 20px;
        border-top: 1.5px solid var(--lightgray);
        padding-top: 20px;
      }
      .calc-result.show {
        display: block;
      }
      .result-main {
        text-align: center;
        margin-bottom: 16px;
      }
      .result-main p {
        font-size: 0.75rem;
        text-transform: uppercase;
        letter-spacing: 0.8px;
        color: var(--gray);
        font-weight: 600;
        margin-bottom: 4px;
      }
      .result-main h2 {
        font-size: 2.4rem;
        font-weight: 800;
        color: var(--navy);
        font-family: "Playfair Display", serif;
      }
      .result-main span {
        font-size: 0.78rem;
        color: var(--gray);
      }
      .result-grid {
        display: grid;
        grid-template-columns: repeat(3, 1fr);
        gap: 10px;
      }
      .result-box {
        background: var(--offwhite);
        border-radius: 8px;
        padding: 12px;
        text-align: center;
      }
      .result-box strong {
        display: block;
        font-size: 1rem;
        font-weight: 700;
        color: var(--navy);
      }
      .result-box span {
        font-size: 0.72rem;
        color: var(--gray);
      }

      /* EDUCATION */
      .edu-section {
        background: #fff;
      }
      .edu-grid {
        display: grid;
        grid-template-columns: repeat(3, 1fr);
        gap: 20px;
        margin-top: 56px;
      }
      .edu-card {
        border: 1px solid var(--lightgray);
        border-radius: 12px;
        padding: 32px;
        transition: all 0.3s;
      }
      .edu-card:hover {
        border-color: var(--navy);
        box-shadow: 0 12px 36px rgba(11, 37, 69, 0.08);
      }
      .edu-num {
        font-family: "Playfair Display", serif;
        font-size: 2.2rem;
        font-weight: 800;
        color: var(--lightgray);
        line-height: 1;
        margin-bottom: 14px;
      }
      .edu-card h3 {
        font-size: 1rem;
        font-weight: 700;
        color: var(--navy);
        margin-bottom: 10px;
      }
      .edu-card p {
        color: var(--gray);
        font-size: 0.87rem;
        line-height: 1.7;
      }

      /* WHY US */
      .why-section {
        background: var(--offwhite);
      }
      .why-inner {
        max-width: 1200px;
        margin: 0 auto;
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 72px;
        align-items: center;
      }
      .why-list {
        display: flex;
        flex-direction: column;
        gap: 0;
        margin-top: 36px;
      }
      .why-item {
        display: flex;
        align-items: flex-start;
        gap: 18px;
        padding: 22px 0;
        border-bottom: 1px solid var(--lightgray);
      }
      .why-item:first-child {
        padding-top: 0;
      }
      .why-item:last-child {
        border-bottom: none;
      }
      .why-item-num {
        font-size: 0.7rem;
        font-weight: 700;
        color: var(--red);
        letter-spacing: 1px;
        min-width: 24px;
        padding-top: 3px;
      }
      .why-item h4 {
        font-size: 0.97rem;
        font-weight: 700;
        color: var(--navy);
        margin-bottom: 5px;
      }
      .why-item p {
        font-size: 0.87rem;
        color: var(--gray);
        line-height: 1.65;
      }
      .why-right {
        position: relative;
      }
      .why-image-block {
        background: var(--navy);
        border-radius: 16px;
        padding: 40px;
        display: flex;
        flex-direction: column;
        gap: 0;
      }
      .why-image-block h3 {
        font-family: "Playfair Display", serif;
        font-size: 1.6rem;
        font-weight: 800;
        color: #fff;
        margin-bottom: 14px;
      }
      .why-image-block p {
        color: rgba(255, 255, 255, 0.65);
        font-size: 0.92rem;
        line-height: 1.75;
        margin-bottom: 28px;
      }
      .why-pills {
        display: flex;
        flex-wrap: wrap;
        gap: 10px;
      }
      .why-pill {
        background: rgba(255, 255, 255, 0.08);
        border: 1px solid rgba(255, 255, 255, 0.12);
        border-radius: 50px;
        padding: 7px 16px;
        color: rgba(255, 255, 255, 0.8);
        font-size: 0.8rem;
        font-weight: 500;
      }
      .why-pill.red {
        background: rgba(185, 28, 28, 0.2);
        border-color: rgba(185, 28, 28, 0.3);
        color: #fca5a5;
      }

      /* PROCESS */
      .process-section {
        background: var(--navy);
      }
      .process-steps {
        display: flex;
        align-items: flex-start;
        margin-top: 60px;
        position: relative;
      }
      .proc-step {
        flex: 1;
        text-align: center;
        padding: 0 8px;
        position: relative;
        display: flex;
        flex-direction: column;
        align-items: center;
      }
      .proc-circle {
        width: 64px;
        height: 64px;
        min-width: 64px;
        border-radius: 50%;
        background: rgba(255, 255, 255, 0.07);
        border: 1px solid rgba(255, 255, 255, 0.15);
        display: flex;
        align-items: center;
        justify-content: center;
        font-size: 0.8rem;
        font-weight: 700;
        color: rgba(255, 255, 255, 0.5);
        letter-spacing: 0.5px;
        margin-bottom: 18px;
      }
      .proc-step.active .proc-circle {
        background: var(--red);
        border-color: var(--red);
        color: #fff;
      }
      .proc-arrow {
        display: flex;
        align-items: center;
        padding: 0 4px;
        margin-top: 23px;
      }
      .proc-arrow svg {
        width: 40px;
        height: 16px;
        stroke: rgba(255, 255, 255, 0.2);
        fill: none;
        stroke-width: 1.5;
        stroke-linecap: round;
        stroke-linejoin: round;
      }
      .proc-step h4 {
        font-size: 0.9rem;
        font-weight: 700;
        color: #fff;
        margin-bottom: 7px;
      }
      .proc-step p {
        font-size: 0.78rem;
        color: rgba(255, 255, 255, 0.5);
        line-height: 1.6;
        max-width: 140px;
      }

      /* TESTIMONIALS */
      .testi-section {
        background: #fff;
      }
      .testi-grid {
        display: grid;
        grid-template-columns: repeat(3, 1fr);
        gap: 20px;
        margin-top: 56px;
      }
      .testi-card {
        border: 1px solid var(--lightgray);
        border-radius: 12px;
        padding: 32px;
        position: relative;
        transition: all 0.3s;
      }
      .testi-card:hover {
        box-shadow: 0 12px 36px rgba(11, 37, 69, 0.08);
        border-color: transparent;
      }
      .testi-stars {
        display: flex;
        gap: 3px;
        margin-bottom: 16px;
      }
      .testi-stars svg {
        width: 14px;
        height: 14px;
        fill: var(--gold2);
        stroke: none;
      }
      .testi-card blockquote {
        font-size: 0.9rem;
        line-height: 1.75;
        color: #374151;
        font-style: italic;
        margin-bottom: 22px;
      }
      .testi-author {
        display: flex;
        align-items: center;
        gap: 12px;
        border-top: 1px solid var(--lightgray);
        padding-top: 18px;
      }
      .author-initials {
        width: 40px;
        height: 40px;
        border-radius: 50%;
        background: var(--navy);
        color: #fff;
        font-weight: 700;
        font-size: 0.82rem;
        display: flex;
        align-items: center;
        justify-content: center;
      }
      .author-name {
        font-weight: 700;
        font-size: 0.85rem;
        color: var(--navy);
      }
      .author-detail {
        font-size: 0.75rem;
        color: var(--gray);
        margin-top: 2px;
      }

      /* FAQ */
      .faq-section {
        background: var(--offwhite);
      }
      .faq-wrap {
        max-width: 740px;
        margin: 56px auto 0;
      }
      .faq-item {
        background: #fff;
        border-radius: 10px;
        margin-bottom: 10px;
        border: 1px solid var(--lightgray);
        overflow: hidden;
        transition: border 0.3s;
      }
      .faq-item.open {
        border-color: var(--navy);
      }
      .faq-q {
        padding: 20px 24px;
        cursor: pointer;
        display: flex;
        align-items: center;
        justify-content: space-between;
        gap: 16px;
        font-weight: 600;
        color: var(--navy);
        font-size: 0.92rem;
        user-select: none;
        line-height: 1.4;
      }
      .faq-q:hover {
        background: rgba(11, 37, 69, 0.02);
      }
      .faq-icon {
        width: 26px;
        height: 26px;
        min-width: 26px;
        border-radius: 50%;
        border: 1.5px solid var(--lightgray);
        display: flex;
        align-items: center;
        justify-content: center;
        transition: all 0.3s;
      }
      .faq-icon svg {
        width: 12px;
        height: 12px;
        stroke: var(--gray);
        fill: none;
        stroke-width: 2.5;
        stroke-linecap: round;
        stroke-linejoin: round;
        transition: transform 0.3s;
      }
      .faq-item.open .faq-icon {
        background: var(--navy);
        border-color: var(--navy);
      }
      .faq-item.open .faq-icon svg {
        stroke: #fff;
        transform: rotate(45deg);
      }
      .faq-a {
        max-height: 0;
        overflow: hidden;
        transition: max-height 0.35s ease;
      }
      .faq-item.open .faq-a {
        max-height: 280px;
      }
      .faq-a-inner {
        padding: 0 24px 22px;
        color: var(--gray);
        font-size: 0.88rem;
        line-height: 1.8;
      }

      /* CTA */
      .cta-section {
        background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 50%, #0b2545 100%);
        padding: 96px 6%;
        text-align: center;
        position: relative;
        overflow: hidden;
      }
      .cta-section::before {
        content: "";
        position: absolute;
        top: 0;
        left: 0;
        right: 0;
        height: 3px;
        background: linear-gradient(90deg, var(--red), var(--navy3), var(--red));
      }
      .cta-section h2 {
        font-family: "Playfair Display", serif;
        font-size: clamp(2rem, 4vw, 3rem);
        font-weight: 800;
        color: #fff;
        margin-bottom: 14px;
      }
      .cta-section p {
        color: rgba(255, 255, 255, 0.65);
        font-size: 1rem;
        margin-bottom: 38px;
        max-width: 520px;
        margin-left: auto;
        margin-right: auto;
        line-height: 1.75;
      }
      .cta-btns {
        display: flex;
        flex-wrap: wrap;
        gap: 14px;
        justify-content: center;
      }
      .btn-white {
        background: #fff;
        color: var(--navy);
        padding: 13px 30px;
        border-radius: 5px;
        font-weight: 700;
        text-decoration: none;
        font-size: 0.9rem;
        letter-spacing: 0.3px;
        transition: all 0.2s;
      }
      .btn-white:hover {
        background: var(--offwhite);
        transform: translateY(-2px);
      }
      .btn-outline-w {
        background: transparent;
        color: #fff;
        padding: 13px 30px;
        border-radius: 5px;
        font-weight: 500;
        text-decoration: none;
        font-size: 0.9rem;
        border: 1.5px solid rgba(255, 255, 255, 0.3);
        transition: all 0.2s;
      }
      .btn-outline-w:hover {
        border-color: #fff;
      }

      /* FOOTER */
      footer {
        background: #060f20;
        padding: 64px 6% 32px;
        color: rgba(255, 255, 255, 0.5);
      }
      .footer-inner {
        max-width: 1200px;
        margin: 0 auto;
      }
      .footer-top {
        display: grid;
        grid-template-columns: 2.2fr 1fr 1fr 1.4fr;
        gap: 48px;
        margin-bottom: 56px;
      }
      .footer-brand p {
        font-size: 0.85rem;
        line-height: 1.75;
        margin-top: 16px;
        max-width: 280px;
      }
      .footer-col h5 {
        color: #fff;
        font-size: 0.78rem;
        font-weight: 700;
        text-transform: uppercase;
        letter-spacing: 1px;
        margin-bottom: 18px;
      }
      .footer-col a {
        display: block;
        color: rgba(255, 255, 255, 0.5);
        text-decoration: none;
        font-size: 0.83rem;
        margin-bottom: 10px;
        transition: color 0.2s;
      }
      .footer-col a:hover {
        color: rgba(255, 255, 255, 0.9);
      }
      .footer-contact-item {
        display: flex;
        align-items: flex-start;
        gap: 10px;
        margin-bottom: 12px;
      }
      .footer-contact-item svg {
        width: 15px;
        height: 15px;
        stroke: var(--gold2);
        fill: none;
        stroke-width: 2;
        stroke-linecap: round;
        stroke-linejoin: round;
        flex-shrink: 0;
        margin-top: 2px;
      }
      .footer-contact-item span {
        font-size: 0.83rem;
        color: rgba(255, 255, 255, 0.55);
        line-height: 1.5;
      }
      .footer-divider {
        border: none;
        border-top: 1px solid rgba(255, 255, 255, 0.07);
        margin-bottom: 24px;
      }
      .footer-bottom {
        display: flex;
        justify-content: space-between;
        align-items: flex-start;
        flex-wrap: wrap;
        gap: 16px;
      }
      .footer-bottom p {
        font-size: 0.75rem;
      }
      .footer-links {
        display: flex;
        gap: 20px;
      }
      .footer-links a {
        color: rgba(255, 255, 255, 0.4);
        text-decoration: none;
        font-size: 0.73rem;
        transition: color 0.2s;
      }
      .footer-links a:hover {
        color: rgba(255, 255, 255, 0.8);
      }
      .footer-disclaimer {
        margin-top: 16px;
        font-size: 0.7rem;
        color: rgba(255, 255, 255, 0.3);
        line-height: 1.7;
        max-width: 1200px;
      }
      .eho-badge {
        display: inline-flex;
        align-items: center;
        gap: 6px;
        background: rgba(255, 255, 255, 0.05);
        border: 1px solid rgba(255, 255, 255, 0.1);
        border-radius: 5px;
        padding: 5px 10px;
        font-size: 0.7rem;
        color: rgba(255, 255, 255, 0.4);
        margin-bottom: 12px;
      }

      /* ANIMATIONS */
      .fade-up {
        opacity: 0;
        transform: translateY(24px);
        transition:
          opacity 0.6s ease,
          transform 0.6s ease;
      }
      .fade-up.visible {
        opacity: 1;
        transform: translateY(0);
      }

      /* RESPONSIVE */
      @media (max-width: 960px) {
        .nav-links,
        .nav-tel,
        .nav-advisor {
          display: none;
        }
        .hamburger {
          display: flex;
        }
        .hero-inner {
          grid-template-columns: 1fr;
        }
        .hero-right {
          display: none;
        }
        .calc-inner {
          grid-template-columns: 1fr;
        }
        .why-inner {
          grid-template-columns: 1fr;
        }
        .process-steps {
          flex-wrap: wrap;
          gap: 20px;
        }
        .proc-arrow {
          display: none;
        }
        .edu-grid {
          grid-template-columns: repeat(2, 1fr);
        }
        .footer-top {
          grid-template-columns: 1fr 1fr;
        }
        .testi-grid {
          grid-template-columns: 1fr;
        }
      }
      @media (max-width: 600px) {
        .hero h1 {
          font-size: 2.1rem;
        }
        .edu-grid {
          grid-template-columns: 1fr;
        }
        .loans-grid {
          grid-template-columns: 1fr;
        }
        .result-grid {
          grid-template-columns: 1fr;
        }
        .footer-top {
          grid-template-columns: 1fr;
        }
        .field-row {
          grid-template-columns: 1fr;
        }
        .footer-bottom {
          flex-direction: column;
        }
      }