:root{
--navy:#071A29;--navy2:#0B2336;--teal:#11999E;--orange:#F7931E;--red:#D94A4A;
--cream:#F7F5F0;--paper:#FFFFFF;--ink:#142431;--muted:#65747D;--line:#DDE4E6;
--shadow:0 20px 55px rgba(7,26,41,.12);--radius:16px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
a{text-decoration:none;color:inherit}button,input,textarea,select{font:inherit}
.site-nav{height:76px;padding:0 5.5vw;display:flex;align-items:center;justify-content:space-between;position:sticky;top:0;z-index:100;background:rgba(247,245,240,.94);backdrop-filter:blur(16px);border-bottom:1px solid rgba(7,26,41,.08)}
.brand{display:flex;align-items:center;gap:10px;font-weight:900;letter-spacing:-.045em}.brand-mark{width:32px;height:32px;border-radius:9px;background:var(--teal);display:grid;place-items:center;color:#fff}.brand-name{font-size:17px}.brand-name em{font-style:normal;color:var(--teal)}
.nav-links{display:flex;gap:25px;font-size:12px;font-weight:700;color:#52616A}.nav-links a:hover{color:var(--navy)}
.nav-cta{background:var(--navy);color:#fff;padding:12px 17px;border-radius:8px;font-size:12px;font-weight:800}.nav-cta span{color:var(--orange)}
.menu{display:none;border:0;background:none;font-size:25px;color:var(--navy)}
.eyebrow{font-size:10px;letter-spacing:.17em;font-weight:900;color:var(--teal);text-transform:uppercase}.eyebrow:before{content:"";display:inline-block;width:25px;height:2px;background:var(--orange);vertical-align:middle;margin-right:8px}
h1,h2,h3{font-family:Manrope,Inter,sans-serif;letter-spacing:-.055em;margin:0}h1{font-size:clamp(46px,6vw,78px);line-height:.98;color:var(--navy)}h1 em,h2 em{font-style:normal;color:var(--teal)}
h2{font-size:clamp(38px,4.5vw,58px);line-height:1.02;color:var(--navy)}h3{font-size:22px;color:var(--navy)}
.lead{font-size:18px;line-height:1.65;color:#53646D;max-width:680px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:18px;padding:15px 21px;border-radius:9px;font-weight:900;font-size:13px;border:1px solid transparent}.btn-primary{background:var(--orange);color:var(--navy);box-shadow:0 12px 25px rgba(247,147,30,.18)}.btn-dark{background:var(--navy);color:#fff}.btn-light{background:#fff;border-color:#BFCACE}.btn-block{width:100%}
.hero{padding:90px 7vw 80px;display:grid;grid-template-columns:1.06fr .94fr;gap:55px;align-items:center;background:linear-gradient(180deg,#F7F5F0,#EDF3F2)}
.hero h1{margin:18px 0 24px}.hero-actions{display:flex;gap:12px;margin:30px 0}.micro{display:flex;gap:12px;flex-wrap:wrap;color:#78858B;font-size:10px;font-weight:700}.micro i{width:3px;height:3px;background:#A9B3B7;border-radius:50%;margin-top:6px}
.book-stage{height:540px;display:grid;place-items:center;position:relative}.book-glow{position:absolute;width:390px;height:390px;border-radius:50%;background:rgba(17,153,158,.14);filter:blur(35px)}.book{width:305px;height:430px;border-radius:5px 12px 12px 5px;background:linear-gradient(145deg,#0C2A3E,#061724);border-left:8px solid #081722;box-shadow:var(--shadow);transform:rotate(4deg);padding:27px;position:relative;color:#fff}.book-top{font-size:10px;font-weight:900;color:#DCE7E8}.book-top em{font-style:normal;color:var(--teal)}.book-title{font-family:Manrope;font-weight:900;font-size:34px;line-height:.94;letter-spacing:-.06em;margin-top:78px}.book-title b{color:var(--orange)}.book-rule{height:3px;width:65px;background:var(--teal);margin:21px 0}.book-copy{font-size:9px;line-height:1.55;color:#B8C9CD}.book-badge{position:absolute;right:20px;bottom:61px;border:1px solid rgba(247,147,30,.7);padding:7px 8px;color:var(--orange);font-size:8px;font-weight:900;text-align:center}.book-foot{position:absolute;left:27px;bottom:18px;font-size:7px;letter-spacing:.1em;color:#87A1A7}
.dark-strip{background:var(--navy);color:#fff;padding:29px 7vw;display:grid;grid-template-columns:repeat(3,1fr);gap:0}.dark-strip>div{padding:4px 28px;border-right:1px solid rgba(255,255,255,.12)}.dark-strip>div:first-child{padding-left:0}.dark-strip>div:last-child{border:0}.dark-strip strong{display:block;color:var(--orange);font-size:9px;letter-spacing:.16em;margin-bottom:8px}.dark-strip span{font-size:12px;color:#C3D0D3;line-height:1.5}
.section{padding:105px 7vw}.section-head{display:flex;justify-content:space-between;gap:60px;margin-bottom:50px}.section-head>p{max-width:470px;align-self:end;color:var(--muted);line-height:1.65;font-size:14px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:27px;box-shadow:0 7px 24px rgba(7,26,41,.035)}.card.dark{background:var(--navy);border-color:var(--navy);color:#fff}.card.dark h3{color:#fff}.card.dark p,.card.dark li{color:#C2CFD2}.card .num{font-size:10px;font-weight:900;letter-spacing:.15em;color:var(--orange)}.card h3{margin:26px 0 12px}.card p{font-size:12px;line-height:1.6;color:#66757D}.card ul{padding:0;margin:22px 0 0;list-style:none}.card li{padding:8px 0;border-top:1px solid #E3E8E9;font-size:10px;font-weight:700}.card.dark li{border-color:rgba(255,255,255,.12)}
.no-panic{background:var(--navy);padding:105px 7vw;color:#fff}.no-panic h2{color:#fff;margin:16px 0 20px}.no-panic .lead{color:#B6C6CA}.sequence{display:grid;grid-template-columns:repeat(4,1fr);margin-top:50px;border-top:1px solid rgba(255,255,255,.14)}.sequence div{padding:24px;border-right:1px solid rgba(255,255,255,.12)}.sequence div:first-child{padding-left:0}.sequence div:last-child{border:0}.sequence b{color:var(--orange);font-size:10px}.sequence strong{display:block;font-family:Manrope;font-size:24px;margin:11px 0 5px}.sequence small{font-size:10px;color:#9FB1B6;line-height:1.5}
.split{padding:100px 7vw;display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center;background:#fff}.quote{background:var(--cream);border:1px solid var(--line);border-radius:18px;padding:46px}.quote-mark{font:800 80px Georgia;color:var(--orange);line-height:.4}.quote p{font:800 31px Manrope;line-height:1.15;color:var(--navy);margin:35px 0}.stats{display:flex;gap:45px;margin-top:30px}.stats b{display:block;font:800 30px Manrope;color:var(--teal)}.stats span{font-size:10px;color:var(--muted)}
.cta-band{padding:90px 7vw;background:#E9F0EF}.cta-inner{background:var(--navy);color:#fff;border-radius:22px;padding:58px;display:grid;grid-template-columns:1fr 330px;gap:65px;align-items:center}.cta-inner h2{color:#fff;margin:14px 0}.cta-inner p{color:#B8C8CC;line-height:1.65;max-width:570px}.price-card{background:#fff;color:var(--navy);border-radius:15px;padding:28px}.price-card .label{font-size:9px;letter-spacing:.15em;font-weight:900;color:var(--teal)}.price{font:900 40px Manrope;margin:7px 0}.price-note{font-size:10px;color:#87939A;margin-bottom:20px}.tiny{font-size:9px;color:#87939A;text-align:center;margin:12px 0 0}
.faq{background:var(--cream)}.faq-list{max-width:850px;margin-left:auto}.faq-list details{border-top:1px solid var(--line);padding:22px 0}.faq-list details:last-child{border-bottom:1px solid var(--line)}summary{list-style:none;cursor:pointer;font:800 16px Manrope;color:var(--navy);display:flex;justify-content:space-between}summary::-webkit-details-marker{display:none}summary:after{content:"+";color:var(--teal)}details[open] summary:after{content:"−"}details p{font-size:13px;color:var(--muted);line-height:1.65;max-width:700px}
.page-hero{padding:80px 7vw 75px;background:linear-gradient(180deg,#F7F5F0,#EDF3F2)}.page-hero h1{margin:17px 0 18px}.page-hero p{max-width:760px}
.article{padding:75px 7vw;max-width:1050px;margin:auto}.article h2{font-size:36px;margin:48px 0 15px}.article h3{margin:30px 0 10px}.article p,.article li{font-size:15px;line-height:1.75;color:#52636C}.article ul{padding-left:20px}.callout{padding:23px 25px;border-left:4px solid var(--teal);background:#fff;border-radius:10px;border:1px solid var(--line);margin:24px 0}.callout.red{border-left-color:var(--red)}.callout.orange{border-left-color:var(--orange)}
.checklist{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:25px 0}.check{background:#fff;border:1px solid var(--line);padding:15px;border-radius:10px;font-size:12px;font-weight:800}.check:before{content:"✓";color:var(--teal);margin-right:9px}
.data-table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}.data-table th{background:var(--navy);color:#fff;text-align:left;font-size:10px;letter-spacing:.05em;padding:13px}.data-table td{padding:12px;border-top:1px solid var(--line);font-size:11px;color:#53636B}.data-table tr:nth-child(even) td{background:#F7F9F9}
.form-wrap{max-width:850px;margin:auto;background:#fff;border:1px solid var(--line);border-radius:18px;padding:35px;box-shadow:var(--shadow)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field label{display:block;font-size:10px;font-weight:900;color:#50616A;margin-bottom:7px;text-transform:uppercase;letter-spacing:.08em}.field input,.field textarea,.field select{width:100%;border:1px solid #CAD5D9;border-radius:8px;padding:12px;background:#fff;color:var(--ink)}.field textarea{min-height:125px;resize:vertical}.full-field{grid-column:1/-1}.form-note{font-size:10px;color:var(--muted);line-height:1.5;margin:15px 0}
footer{padding:30px 7vw;background:#061522;color:#AABBC0;display:flex;justify-content:space-between;gap:20px;align-items:center;font-size:10px}footer .brand{color:#fff}
@media(max-width:950px){.nav-links{display:none}.menu{display:block}.nav-cta{display:none}.hero{grid-template-columns:1fr}.book-stage{height:500px}.grid4{grid-template-columns:1fr 1fr}.section-head{display:block}.section-head>p{margin-top:24px}.sequence{grid-template-columns:1fr 1fr}.split,.cta-inner{grid-template-columns:1fr}.cta-inner{gap:35px}.dark-strip{grid-template-columns:1fr}.dark-strip>div{border-right:0;border-bottom:1px solid rgba(255,255,255,.12);padding:15px 0}}
@media(max-width:600px){.site-nav{padding:0 18px}.hero,.section,.no-panic,.split,.cta-band,.page-hero{padding-left:22px;padding-right:22px}.hero{padding-top:55px}.hero-actions{flex-direction:column}.btn{width:100%}.book{transform:rotate(2deg) scale(.88)}.grid4,.sequence,.checklist,.form-grid{grid-template-columns:1fr}.section-head h2{font-size:40px}.no-panic h2{font-size:40px}.sequence div{border-right:0;border-bottom:1px solid rgba(255,255,255,.12);padding-left:0}.quote{padding:30px}.cta-inner{padding:32px}.article{padding:55px 22px}.article h2{font-size:30px}footer{flex-wrap:wrap;padding:25px 22px}}

/* FINAL PREMIUM PURCHASE UI */
.purchase-shell{display:grid;grid-template-columns:1.05fr .95fr;gap:28px;align-items:stretch;margin:20px 0 60px}
.purchase-panel{background:#061b2a;color:#fff;border-radius:28px;padding:56px;position:relative;overflow:hidden;box-shadow:0 24px 70px rgba(4,20,32,.16)}
.purchase-panel:after{content:"";position:absolute;width:340px;height:340px;border:1px solid rgba(15,164,173,.25);border-radius:50%;right:-150px;bottom:-160px}
.purchase-panel h2{font-size:clamp(44px,6vw,78px);line-height:.95;margin:18px 0 20px;color:#fff}
.purchase-panel h2 em{color:#14a4ae;font-style:normal}
.purchase-panel p{color:rgba(255,255,255,.68);max-width:520px;font-size:18px;line-height:1.65}
.purchase-price{font-size:52px;font-weight:800;margin-top:32px}
.purchase-meta{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.purchase-meta span{border:1px solid rgba(255,255,255,.14);border-radius:999px;padding:8px 12px;color:rgba(255,255,255,.75);font-size:13px}
.upi-card{background:#fff;border-radius:28px;padding:38px;box-shadow:0 24px 70px rgba(4,20,32,.12);display:flex;flex-direction:column;justify-content:center}
.upi-card .label{color:#0d99a3;font-weight:800;letter-spacing:.15em;font-size:12px}
.upi-id-row{display:flex;align-items:center;justify-content:space-between;gap:14px;margin:16px 0 22px;padding:16px 18px;border:1px solid #e5eaee;border-radius:16px;background:#f7f9fa}
.upi-id-row code{font-family:inherit;font-size:17px;font-weight:700;color:#061b2a;word-break:break-all}
.copy-btn{border:0;background:#061b2a;color:#fff;border-radius:10px;padding:10px 14px;cursor:pointer;font-weight:700;white-space:nowrap}
.qr-wrap{display:flex;align-items:center;gap:24px;margin:4px 0 24px}.qr-wrap img{width:148px;height:148px;border-radius:16px;border:1px solid #e5eaee;padding:8px;background:#fff}.qr-copy{color:#667681;font-size:14px;line-height:1.55}.qr-copy strong{display:block;color:#061b2a;font-size:16px;margin-bottom:6px}
.upi-pay-btn{display:block;text-align:center;background:#ff971d;color:#061b2a!important;font-weight:800;font-size:18px;padding:17px 20px;border-radius:14px;text-decoration:none;box-shadow:0 12px 26px rgba(255,151,29,.22)}
.already-paid{margin:28px 0 0;padding:24px;border-radius:20px;background:#f3f7f8;border:1px solid #dfeaec;display:flex;align-items:center;justify-content:space-between;gap:20px}.already-paid h3{margin:0 0 5px}.already-paid p{margin:0;color:#64737c}.already-paid .btn{white-space:nowrap}
.verify-shell{display:grid;grid-template-columns:1.2fr .8fr;gap:28px;margin:20px 0 60px}.verify-card,.verify-side{background:#fff;border-radius:28px;box-shadow:0 24px 70px rgba(4,20,32,.09);padding:42px}.verify-card{border:1px solid #e7ecef}.verify-side{background:#061b2a;color:#fff}.verify-side h2{color:#fff}.verify-side p{color:rgba(255,255,255,.68);line-height:1.7}.verify-step{display:flex;gap:16px;margin:22px 0}.verify-step b{width:34px;height:34px;border-radius:50%;background:#14a4ae;color:#fff;display:grid;place-items:center;flex:none}.form-card{display:grid;gap:18px;background:transparent!important;padding:0!important;box-shadow:none!important}.form-card label{display:grid;gap:8px;font-weight:700;color:#173043}.form-card input{width:100%;box-sizing:border-box;border:1px solid #d9e1e6;border-radius:12px;padding:15px 16px;font:inherit;background:#fbfcfd}.form-card input:focus{outline:2px solid rgba(20,164,174,.18);border-color:#14a4ae}.form-card button{border:0;cursor:pointer}.tiny{font-size:12px!important;line-height:1.5!important;color:#7a8790!important}
@media(max-width:850px){.purchase-shell,.verify-shell{grid-template-columns:1fr}.purchase-panel,.upi-card,.verify-card,.verify-side{padding:28px}.purchase-panel h2{font-size:52px}.qr-wrap{align-items:flex-start}.already-paid{align-items:flex-start;flex-direction:column}.already-paid .btn{width:100%;text-align:center;box-sizing:border-box}}

/* SEO/content UX: free borrower resources and accessible FAQ */
.free-help{padding-top:72px;padding-bottom:76px;background:#F7F5F0}
.free-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.free-card{display:flex;flex-direction:column;min-height:225px;padding:24px;background:#fff;border:1px solid var(--line);border-radius:14px;text-decoration:none;color:var(--navy);transition:transform .2s ease,border-color .2s ease}
.free-card:hover{transform:translateY(-3px);border-color:var(--teal)}
.free-card span{font-size:9px;letter-spacing:.13em;font-weight:900;color:var(--teal)}
.free-card h3{font-size:20px;line-height:1.25;margin:18px 0 10px}
.free-card p{font-size:13px;line-height:1.65;color:#52636C;margin:0 0 20px}
.free-card b{font-size:12px;margin-top:auto}
.faq-section{padding-top:75px;padding-bottom:75px}
.faq-list{max-width:900px;margin:0 auto;border-top:1px solid var(--line)}
.faq-list details{padding:20px 4px;border-bottom:1px solid var(--line)}
.faq-list summary{cursor:pointer;font-weight:800;color:var(--navy);line-height:1.5}
.faq-list p{font-size:14px;line-height:1.75;color:#52636C;max-width:780px}
.faq-list a{color:var(--teal);font-weight:700}
@media(max-width:900px){.free-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:600px){.free-grid{grid-template-columns:1fr}.free-card{min-height:0}.free-help,.faq-section{padding-top:52px;padding-bottom:52px}}

.social-link{font-size:.9rem;opacity:.9}.social-link a{color:inherit;text-decoration:underline;text-underline-offset:3px}.social-link a:hover{opacity:.75}

/* V10 header actions: guide, free help and X icon */
.nav-actions{display:flex;align-items:center;gap:10px;flex-shrink:0}.nav-actions .nav-cta{white-space:nowrap}.help-cta{display:inline-flex;align-items:center;justify-content:center;background:var(--teal);color:#fff;padding:12px 15px;border-radius:8px;font-size:12px;font-weight:800;white-space:nowrap}.help-cta:hover{filter:brightness(.94)}.x-icon-link{width:38px;height:38px;display:inline-flex;align-items:center;justify-content:center;border:1px solid var(--line);border-radius:9px;color:var(--navy);background:#fff;flex-shrink:0}.x-icon-link svg{width:17px;height:17px}.x-icon-link:hover{background:var(--navy);color:#fff}
@media(max-width:950px){.site-nav{gap:12px}.nav-actions{gap:7px}.nav-actions .nav-cta{display:inline-flex;padding:10px 11px;font-size:11px}.help-cta{padding:10px 11px;font-size:11px}.x-icon-link{width:35px;height:35px}}
@media(max-width:600px){.site-nav{padding:0 12px;gap:8px}.brand{gap:7px}.brand-mark{width:29px;height:29px}.brand-name{font-size:13px}.nav-actions{gap:5px}.nav-actions .nav-cta,.help-cta{padding:9px 8px;font-size:10px;border-radius:7px}.x-icon-link{width:31px;height:31px;border-radius:7px}.x-icon-link svg{width:15px;height:15px}}

/* Responsive accessible mobile navigation */
.mobile-nav-link{display:none}
.menu{display:none;align-items:center;justify-content:center;width:42px;height:42px;border:1px solid var(--line);border-radius:9px;background:#fff;color:var(--navy);font-size:26px;line-height:1;cursor:pointer;flex-shrink:0}
.menu:focus-visible,.nav-links a:focus-visible{outline:3px solid var(--orange);outline-offset:3px}
@media(max-width:950px){
  .site-nav{position:sticky}
  .menu{display:inline-flex}
  .nav-links{display:none;position:absolute;top:calc(100% + 1px);left:0;right:0;max-height:calc(100vh - 78px);overflow-y:auto;padding:12px 18px 20px;background:var(--paper);border-bottom:1px solid var(--line);box-shadow:0 18px 30px rgba(7,26,41,.14);flex-direction:column;align-items:stretch;gap:0;z-index:120}
  .nav-links.mobile-open{display:flex}
  .nav-links a{display:block;padding:14px 10px;border-bottom:1px solid #edf0f1;font-size:14px;line-height:1.35}
  .nav-links a:last-child{border-bottom:0}
  .nav-links .mobile-nav-link{display:block}
  .nav-links:not(.mobile-open){visibility:hidden}
  .nav-actions .help-cta{display:none}
  .nav-actions .x-icon-link{display:inline-flex;width:34px;height:34px;flex-shrink:0}
}
@media(max-width:600px){
  .site-nav{padding:0 12px;gap:8px}
  .brand{min-width:0}
  .brand-name{font-size:12px;letter-spacing:-.04em}
  .nav-actions .nav-cta{padding:9px 8px;font-size:10px}
  .menu{width:38px;height:38px}
}

@media (max-width: 768px) {
  .nav-actions .x-icon-link {
    display: inline-flex !important;
    align-items: center;
    justify-content: center;
    visibility: visible !important;
    opacity: 1 !important;
    flex-shrink: 0;
    width: 40px;
    height: 40px;
    position: relative;
    z-index: 10;
  }

  .nav-actions .x-icon-link svg {
    display: block;
    width: 22px;
    height: 22px;
  }
}