*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
    :root{
      --blue:#001D8B; --blue-md:#0027A8; --blue-dark: #001260;
      --blue-lt:#E6EAFF; --blue-xlt:#F0F2FF;
      --orange:#EF801A; --orange-dk:#D4660A; --orange-lt:#FEF0E6;
      --green:#16A34A; --green-lt:#DCFCE7;
      --white:#fff; --g50:#F8F9FC; --g100:#F1F3F9;
      --g200:#E2E6F0; --g400:#9AA3BC; --g600:#4B5578; --g800:#1E2547;
      --muted:#6B748E; --red:#E74C3C;
      --text-muted: #5A6280;
      --border: #DDE3EE;
      --sh-sm:0 1px 4px rgba(0,29,139,.07);
      --sh-md:0 4px 18px rgba(0,29,139,.10);
      --sh-lg:0 12px 40px rgba(0,29,139,.13);
      --radius: 10px;
      --radius-lg: 16px;
    }

    html{scroll-behavior:smooth}
    body{font-family:Arial,sans-serif;background:var(--white);color:var(--g800);overflow-x:hidden}

    /* ── NAV ── */
    /* nav {
      background: #fff;
      border-bottom: 3px solid var(--blue);
      position: sticky;
      top: 0;
      z-index: 100;
      box-shadow: var(--shadow-sm);
    }

    .nav-inner {
      display: flex;
      justify-content: space-between;
      align-items: center;
      padding: 10px 0;
      flex-wrap: wrap;
      gap: 12px;
    }

    .nav-logo img { height: 52px; width: auto; object-fit: contain; }

    .nav-links {
      display: flex;
      gap: 20px;
      align-items: center;
      flex-wrap: wrap;
    }

    .nav-links a {
      text-decoration: none;
      color: var(--text);
      font-size: 14px;
      font-weight: 700;
      padding: 4px 0;
      border-bottom: 2px solid transparent;
      transition: all .2s;
      cursor: pointer;
    }

    .nav-links a:hover {
      color: var(--blue);
      border-color: var(--orange);
    }

    .btn-nav {
      background: var(--orange) !important;
      color: #fff !important;
      padding: 10px 22px !important;
      border-radius: var(--radius);
      font-weight: 700 !important;
      border-bottom: none !important;
      transition: all .2s;
    }

    .btn-nav:hover {
      background: #d06a0e !important;
      transform: translateY(-1px);
    }
    
    .container {
      max-width: 1140px;
      margin: 0 auto;
      padding: 0 20px;
    } */
    
    /* ── HERO — white bg ── */
    .hero {
      background: #ffffff;
      color: var(--text);
      padding: 36px 0 56px;
      position: relative;
      overflow: hidden;
      border-bottom: 1px solid var(--border);
    }

    .hero::before {
      content: none;
    }

    .hero-inner {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 50px;
      align-items: start;
      position: relative;
    }

    .hero-badge {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: var(--orange-lt);
      border: 1px solid rgba(244, 121, 32, 0.25);
      border-radius: 100px;
      padding: 6px 16px;
      font-size: 0.78rem;
      font-weight: 600;
      color: var(--orange-dk);
      margin-bottom: 24px;
      animation: fadeUp 0.5s ease both;
    }

    .badge-dot {
      width: 7px;
      height: 7px;
      background: var(--orange);
      border-radius: 50%;
      animation: pulse 2s infinite;
    }

    .hero h1 {
      font-size: clamp(26px, 4vw, 42px);
      font-weight: 700;
      line-height: 1.2;
      margin-bottom: 18px;
      color: var(--blue);
    }

    .hero h1 span {
      color: var(--orange);
    }

    .hero-desc {
      font-size: 16px;
      color: var(--text-muted);
      margin-bottom: 32px;
    }

    .hero-ctas {
      display: flex;
      gap: 14px;
      flex-wrap: wrap;
      margin-bottom: 36px;
    }

    .btn-primary {
      display: inline-block;
      background: var(--orange);
      color: #fff;
      font-weight: 700;
      font-size: 15px;
      padding: 14px 28px;
      border-radius: var(--radius);
      text-decoration: none;
      border: none;
      cursor: pointer;
      transition: all .2s;
      box-shadow: 0 4px 16px rgba(239, 128, 26, .4);
      font-family: Arial, sans-serif;
    }

    .btn-primary:hover {
      background: #d06a0e;
      transform: translateY(-2px);
    }

    .btn-secondary {
      display: inline-block;
      background: transparent;
      color: var(--blue);
      font-weight: 700;
      font-size: 15px;
      padding: 13px 28px;
      border-radius: var(--radius);
      text-decoration: none;
      border: 2px solid var(--blue);
      transition: all .2s;
    }

    .btn-secondary:hover {
      background: var(--bg-section);
      border-color: var(--blue-dark);
    }

    .hero-form-card {
      background: #fff;
      border-radius: var(--radius-lg);
      padding: 24px 21px;
      box-shadow: var(--shadow-lg);
      color: var(--text);
    }

    .hero-content {
      padding-top: 0;
    }

    .hero-form-card h3 {
      font-size: 20px;
      color: var(--blue);
      margin-bottom: 6px;
      text-align: center;
    }

    .hero-form-card p.sub {
      font-size: 12px;
      color: var(--text-muted);
      text-align: center;
      margin-bottom: 5px;
    }

    .form-group {
      margin-bottom: 11px;
    }

    .success-msg {
      display: none;
      background: #d4edda;
      border: 1px solid #c3e6cb;
      color: #1a7a4a;
      padding: 12px 16px;
      border-radius: var(--radius);
      font-size: 14px;
      margin-top: 14px;
      font-weight: 700;
      text-align: center;
    }

    .hero-left {
      position: relative;
      z-index: 2;
      padding: 80px 0;
    }

    .hero-schemes {
      background: #ffffff;
      color: var(--text);
      padding: 36px 0 56px;
      position: relative;
      overflow: hidden;
      border-bottom: 1px solid var(--border);
    }

    .hero-schemes h1 {
      font-size: clamp(26px, 4vw, 42px);
      font-weight: 700;
      line-height: 1.2;
      margin-bottom: 18px;
      color: var(--blue);
    }

    .scheme-pills {
      display: flex;
      gap: 10px;
      flex-wrap: wrap;
      margin-bottom: 22px;
      animation: fadeUp .5s ease both;
    }

    .scheme-pill {
      display: inline-flex;
      align-items: center;
      gap: 7px;
      border-radius: 100px;
      padding: 6px 16px;
      font-size: .73rem;
      font-weight: 700;
      letter-spacing: .02em;
    }
    .pill-naps {
      background: var(--orange-lt);
      border: 1px solid rgba(239,128,26,.3);
      color: var(--orange-dk);
    }
    .pill-nats{background:var(--blue-lt);border:1px solid rgba(0,29,139,.2);color:var(--blue)}
    .pill-gov{background:var(--green-lt);border:1px solid rgba(22,163,74,.25);color:#15803D}
    .pill-dot{width:6px;height:6px;border-radius:50%;background:currentColor;opacity:.9;animation:pulse 2s infinite}
    @keyframes pulse{0%,100%{opacity:.9;transform:scale(1)}50%{opacity:.4;transform:scale(1.5)}}
    
    .btn-outline{background:transparent;color:var(--blue);padding:13px 24px;border-radius:8px;
      font-size:.92rem;font-weight:600;text-decoration:none;border:2px solid var(--blue);
      display:inline-flex;align-items:center;gap:8px;transition:background .2s,color .2s}
    .btn-outline:hover{background:var(--blue);color:var(--white)}

    .hero-stats{display:flex;gap:0;margin-top:36px;padding-top:28px;
      border-top:1px solid var(--g200);animation:fadeUp .55s .2s ease both}
    .hs-item{flex:1;padding-right:24px;border-right:1px solid var(--g200)}
    .hs-item:last-child{border-right:none;padding-right:0;padding-left:24px}
    .hs-item:not(:first-child):not(:last-child){padding:0 24px}
    .hs-num{font-family:Arial,sans-serif;font-size:1.5rem;font-weight:800;color:var(--orange)}
    .hs-lbl{font-size:.73rem;color:var(--muted);margin-top:2px}

    /* hero right — scheme cards */
    .hero-right{position:relative;z-index:2;
      display:flex;flex-direction:column;gap:16px;animation:fadeLeft .7s .1s ease both}

    .scheme-card{background:var(--white);border:1px solid var(--g200);border-radius:18px;
      padding:26px;box-shadow:var(--sh-md);position:relative;overflow:hidden;
      transition:border-color .25s,box-shadow .25s,transform .25s}
    .scheme-card:hover{border-color:rgba(239,128,26,.3);box-shadow:var(--sh-lg);transform:translateY(-3px)}
    .scheme-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px}
    .scheme-card.naps::before{background:linear-gradient(90deg,var(--orange),#FFB347)}
    .scheme-card.nats::before{background:linear-gradient(90deg,var(--blue),var(--blue-md))}

    .sc-top{display:flex;align-items:center;gap:10px;margin-bottom:12px}
    .sc-badge{padding:4px 12px;border-radius:100px;font-size:.7rem;font-weight:800;letter-spacing:.07em}
    .sc-badge.naps{background:var(--orange-lt);color:var(--orange-dk)}
    .sc-badge.nats{background:var(--blue-lt);color:var(--blue)}
    .sc-icon{width:34px;height:34px;border-radius:9px;display:flex;align-items:center;
      justify-content:center;font-size:1rem}
    .sc-icon.naps{background:var(--orange-lt)}
    .sc-icon.nats{background:var(--blue-lt)}
    .sc-title{font-family:Arial,sans-serif;font-size:.97rem;font-weight:700;
      color:var(--blue-dk);margin-bottom:6px}
    .sc-desc{font-size:.82rem;color:var(--muted);line-height:1.65}
    .sc-highlight{margin-top:14px;padding:10px 14px;border-radius:8px;font-size:.78rem;font-weight:600}
    .sc-highlight.naps{background:var(--orange-lt);color:var(--orange-dk)}
    .sc-highlight.nats{background:var(--blue-lt);color:var(--blue)}

    /* ── STATS STRIP ── */
    .stats-strip{background:var(--blue-dk);padding:28px 5%;
      display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
    .ss-item{text-align:center}
    .ss-num{font-family:Arial,sans-serif;font-size:1.8rem;font-weight:800;color:var(--orange)}
    .ss-lbl{font-size:.78rem;color:rgba(255,255,255,.55);margin-top:3px}

    /* ── SECTION BASE ── */
    .section{padding:80px 5%}
    .section.gray{background:var(--g50)}
    .sec-label{display:inline-block;font-size:.72rem;font-weight:700;color:var(--orange);
      text-transform:uppercase;letter-spacing:.12em;margin-bottom:10px}
    .sec-title{font-family:Arial,sans-serif;font-size:clamp(1.6rem,2.8vw,2.3rem);
      font-weight:800;line-height:1.2;letter-spacing:-.02em;color:var(--blue-dk)}
    .sec-sub{margin-top:12px;font-size:.97rem;line-height:1.75;color:var(--muted);max-width:520px}
    .sec-header{margin-bottom:52px}
    .sec-header.center{text-align:center}
    .sec-header.center .sec-sub{margin:12px auto 0}

    /* ── COMPARE ── */
    .compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
    .compare-card{border-radius:20px;overflow:hidden;box-shadow:var(--sh-lg);border:1px solid var(--g200)}
    .cc-head{padding:26px 28px 20px}
    .cc-head.naps{background:linear-gradient(135deg,#001060,#0027A8)}
    .cc-head.nats{background:linear-gradient(135deg,#1a6b3a,var(--green))}
    .cc-badge{display:inline-block;padding:4px 12px;border-radius:100px;
      font-size:.7rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-bottom:12px}
    .cc-badge.naps{background:rgba(239,128,26,.25);color:#FFB36B}
    .cc-badge.nats{background:rgba(255,255,255,.2);color:rgba(255,255,255,.9)}
    .cc-head-title{font-family:Arial,sans-serif;font-size:1rem;font-weight:800;color:var(--white)}
    .cc-head-sub{font-size:.78rem;color:rgba(255,255,255,.6);margin-top:4px}
    .cc-body{background:var(--white);padding:22px 28px}
    .cc-row{display:flex;justify-content:space-between;align-items:flex-start;
      padding:11px 0;border-bottom:1px solid var(--g100);gap:12px}
    .cc-row:last-child{border-bottom:none;padding-bottom:0}
    .cc-key{font-size:.79rem;color:var(--muted);font-weight:500;flex-shrink:0}
    .cc-val{font-size:.81rem;font-weight:700;color:var(--blue-dk);text-align:right}
    .cc-val.orange{color:var(--orange)}
    .cc-val.green{color:var(--green)}

    /* ── BENEFITS ── */
    .benefits-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
    .benefit-card{background:var(--white);border:1px solid var(--g200);border-radius:16px;
      padding:28px 24px;box-shadow:var(--sh-sm);
      transition:border-color .2s,box-shadow .2s,transform .2s;position:relative;overflow:hidden}
    .benefit-card::after{content:'';position:absolute;top:0;left:0;right:0;height:3px;
      background:linear-gradient(90deg,var(--blue),var(--orange));opacity:0;transition:opacity .25s}
    .benefit-card:hover{border-color:rgba(0,29,139,.2);box-shadow:var(--sh-md);transform:translateY(-4px)}
    .benefit-card:hover::after{opacity:1}
    .bc-icon{width:50px;height:50px;border-radius:14px;background:var(--blue-lt);
      display:flex;align-items:center;justify-content:center;font-size:1.5rem;margin-bottom:18px}
    .benefit-card h3{font-family:Arial,sans-serif;font-size:.95rem;font-weight:700;
      color:var(--blue-dk);margin-bottom:8px}
    .benefit-card p{font-size:.83rem;color:var(--muted);line-height:1.65}

    /* ── ELIGIBILITY ── */
    .elig-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}
    .elig-card{background:var(--white);border:1px solid var(--g200);border-radius:16px;
      overflow:hidden;box-shadow:var(--sh-sm)}
    .elig-head{padding:20px 24px;display:flex;align-items:center;gap:12px}
    .elig-head.naps{background:var(--blue-lt)}
    .elig-head.nats{background:var(--green-lt)}
    .elig-head-icon{width:40px;height:40px;border-radius:10px;
      display:flex;align-items:center;justify-content:center;font-size:1.2rem}
    .elig-head.naps .elig-head-icon{background:var(--blue);color:white}
    .elig-head.nats .elig-head-icon{background:var(--green);color:white}
    .elig-head-title{font-family:Arial,sans-serif;font-size:.9rem;font-weight:800;color:var(--blue-dk)}
    .elig-head-sub{font-size:.72rem;color:var(--muted);margin-top:2px}
    .elig-body{padding:20px 24px}
    .elig-item{display:flex;gap:12px;padding:10px 0;border-bottom:1px solid var(--g100);
      font-size:.84rem;color:var(--g600);align-items:flex-start}
    .elig-item:last-child{border-bottom:none;padding-bottom:0}
    .elig-dot{width:20px;height:20px;border-radius:50%;flex-shrink:0;
      display:flex;align-items:center;justify-content:center;font-size:.65rem;font-weight:800;color:white;margin-top:1px}
    .elig-dot.blue{background:var(--blue)}
    .elig-dot.green{background:var(--green)}

    /* ── HOW IT WORKS ── */
    .steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative}
    .steps-grid::before{content:'';position:absolute;top:36px;left:calc(12.5% + 10px);
      right:calc(12.5% + 10px);height:2px;
      background:linear-gradient(90deg,var(--blue-lt),var(--orange),var(--blue-lt));z-index:0}
    .step-item{text-align:center;padding:0 16px;position:relative;z-index:1}
    .step-num{width:72px;height:72px;border-radius:50%;background:var(--white);
      border:3px solid var(--g200);display:flex;align-items:center;justify-content:center;
      font-family:Arial,sans-serif;font-size:1.3rem;font-weight:800;color:var(--blue);
      margin:0 auto 18px;box-shadow:var(--sh-md);transition:background .2s,border-color .2s,color .2s}
    .step-item:hover .step-num{background:var(--orange);color:white;border-color:var(--orange)}
    .step-item h4{font-family:Arial,sans-serif;font-size:.88rem;font-weight:700;
      color:var(--blue-dk);margin-bottom:6px}
    .step-item p{font-size:.78rem;color:var(--muted);line-height:1.6}

    /* ── LEAD FORM — white box on blue bg ── */
    .form-section{background:linear-gradient(135deg,#001060 0%,#0027A8 100%);
      padding:80px 5%;position:relative;overflow:hidden}
    .form-section::before{content:'';position:absolute;top:-80px;right:-80px;width:400px;height:400px;
      border-radius:50%;background:rgba(239,128,26,.1);pointer-events:none}
    .form-section::after{content:'';position:absolute;bottom:-60px;left:-60px;width:300px;height:300px;
      border-radius:50%;background:rgba(255,255,255,.04);pointer-events:none}
    .form-inner{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;
      position:relative;z-index:2;max-width:1100px;margin:0 auto}

    .form-left h2{font-family:Arial,sans-serif;font-size:clamp(1.5rem,2.5vw,2.1rem);
      font-weight:800;color:var(--white);letter-spacing:-.02em;margin-bottom:12px}
    .form-left p{font-size:.93rem;color:rgba(255,255,255,.65);line-height:1.75;margin-bottom:28px}
    .form-perks{display:flex;flex-direction:column;gap:12px}
    .fp-item{display:flex;align-items:center;gap:12px;font-size:.86rem;}
    .fp-icon{width:32px;height:32px;border-radius:8px;background:rgba(255,255,255,.1);
      display:flex;align-items:center;justify-content:center;font-size:.95rem;flex-shrink:0}

    .form-box{background:var(--white);border-radius:20px;padding:36px 32px;box-shadow:var(--sh-lg)}
    .form-box-eyebrow{font-size:.72rem;font-weight:700;color:var(--orange);
      text-transform:uppercase;letter-spacing:.12em;margin-bottom:6px}
    .form-box-title{font-family:Arial,sans-serif;font-size:1.25rem;font-weight:800;
      color:var(--blue-dk);margin-bottom:4px}
    .form-box-sub{font-size:.82rem;color:var(--muted);margin-bottom:24px}

    /* scheme tabs */
    .form-tabs{display:flex;gap:0;background:var(--g100);border-radius:8px;padding:4px;margin-bottom:22px}
    .ftab{flex:1;padding:9px;text-align:center;border-radius:6px;
      font-size:.79rem;font-weight:700;cursor:pointer;transition:all .2s;color:var(--muted)}
    .ftab.active{background:var(--blue);color:var(--white);box-shadow:var(--sh-sm)}

    /* form fields */
    .form-group{display:flex;flex-direction:column;gap:5px;margin-bottom:14px}
    .fi-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
    label.fl{font-size:.75rem;font-weight:600;color:var(--g600);display:flex;align-items:center;gap:5px}
    label.fl span{color:var(--red)}
    input.fi,select.fi{width:100%;padding:11px 14px;border:1.5px solid var(--g200);border-radius:8px;
      font-family:Arial,sans-serif;font-size:.88rem;color:var(--g800);
      background:var(--g50);transition:border-color .2s,box-shadow .2s,background .2s;outline:none}
    input.fi:focus,select.fi:focus{border-color:var(--blue);background:var(--white);
      box-shadow:0 0 0 3px rgba(0,29,139,.09)}
    input.fi::placeholder{color:var(--g400)}
    select.fi{appearance:none;
      background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%239AA3BC' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
      background-repeat:no-repeat;background-position:right 13px center}
    .phone-wrap{display:flex}
    .phone-pfx{padding:11px 11px;border:1.5px solid var(--g200);border-right:none;
      border-radius:8px 0 0 8px;background:var(--g100);font-size:.83rem;
      color:var(--g600);font-weight:600;display:flex;align-items:center;gap:5px;white-space:nowrap}
    .phone-wrap input.fi{border-radius:0 8px 8px 0}
    .fi-err{font-size:.7rem;color:var(--red);min-height:16px}
    input.fi.err,select.fi.err{border-color:var(--red);box-shadow:0 0 0 3px rgba(231,76,60,.09)}

    .consent-row{display:flex;align-items:flex-start;gap:9px;margin:14px 0 18px;
      font-size:.75rem;color:var(--muted);line-height:1.55}
    .consent-row input{width:15px;height:15px;flex-shrink:0;margin-top:1px;accent-color:var(--blue)}
    .consent-row a{color:var(--blue);text-decoration:none}
    .consent-row a:hover{text-decoration:underline}

    .btn-form{width:100%;padding:14px;background:var(--orange);color:var(--white);border:none;
      border-radius:9px;font-family:Arial,sans-serif;font-size:.95rem;font-weight:700;
      cursor:pointer;display:flex;align-items:center;justify-content:center;gap:9px;
      box-shadow:0 4px 14px rgba(239,128,26,.4);transition:background .2s,transform .2s,box-shadow .2s}
    .btn-form:hover{background:var(--orange-dk);transform:translateY(-2px);box-shadow:0 6px 20px rgba(239,128,26,.45)}
    .form-assurances{display:flex;justify-content:center;gap:18px;margin-top:12px;flex-wrap:wrap}
    .fa-item{display:flex;align-items:center;gap:5px;font-size:.7rem;color:var(--g400)}
    .fa-item svg{color:var(--green)}

    /* success */
    .success-box{display:none;flex-direction:column;align-items:center;text-align:center;padding:10px 0}
    .success-circle{width:70px;height:70px;border-radius:50%;
      background:linear-gradient(135deg,var(--green-lt),#bbf7d0);
      display:flex;align-items:center;justify-content:center;font-size:1.8rem;
      margin-bottom:18px;box-shadow:0 4px 18px rgba(22,163,74,.2)}
    .success-box h3{font-family:Arial,sans-serif;font-size:1.2rem;font-weight:800;color:var(--blue-dk);margin-bottom:8px}
    .success-box p{font-size:.85rem;color:var(--muted);line-height:1.7;max-width:280px}
    .next-steps{margin-top:20px;background:var(--g50);border:1px solid var(--g200);
      border-radius:12px;padding:18px;text-align:left;width:100%}
    .next-steps-title{font-size:.75rem;font-weight:700;color:var(--blue-dk);margin-bottom:10px}
    .next-step-item{display:flex;gap:10px;align-items:flex-start;font-size:.8rem;
      color:var(--muted);padding:6px 0}
    .ns-num{width:22px;height:22px;border-radius:50%;display:flex;align-items:center;
      justify-content:center;font-size:.65rem;font-weight:800;color:white;flex-shrink:0}

    /* ── FAQ ── */
    .faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;max-width:980px;margin:0 auto}
    .faq-item{background:var(--white);border:1px solid var(--g200);border-radius:12px;
      padding:20px 22px;box-shadow:var(--sh-sm);transition:border-color .2s,box-shadow .2s}
    .faq-item:hover{border-color:rgba(0,29,139,.2);box-shadow:var(--sh-md)}
    .faq-q{font-family:Arial,sans-serif;font-size:.88rem;font-weight:700;
      color:var(--blue-dk);margin-bottom:8px;display:flex;align-items:flex-start;gap:10px}
    .faq-q::before{content:'Q';width:22px;height:22px;border-radius:6px;
      background:var(--orange);color:white;font-size:.68rem;font-weight:800;
      display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px}
    .faq-a{font-size:.82rem;color:var(--muted);line-height:1.7;padding-left:32px}

    /* ── FOOTER ── */
    footer {
      background: linear-gradient(135deg, #1A2DA6 0%, #0D1B6E 100%);
      color: rgba(255, 255, 255, .65);
      padding: 72px 0 0 0;
      display: flex;
      align-items: center;
      justify-content: space-between;
      flex-wrap: wrap;
      gap: 16px;
    }

    .floating-cta {
      position: fixed;
      bottom: 24px;
      right: 24px;
      z-index: 999;
      display: flex;
      flex-direction: column;
      gap: 10px;
      align-items: flex-end;
    }

    .float-btn {
      background: var(--blue);
      color: #fff;
      padding: 12px 20px;
      border-radius: 30px;
      font-size: 13px;
      font-weight: 700;
      text-decoration: none;
      box-shadow: var(--shadow-md);
      display: flex;
      align-items: center;
      gap: 8px;
      transition: all .2s;
      white-space: nowrap;
    }

    .float-btn:hover {
      background: var(--blue-dark);
      transform: translateY(-2px);
    }

    .float-btn.whatsapp {
      background: #25D366;
    }

    .float-btn.whatsapp:hover {
      background: #1aad52;
    }

    .footer-links {
      display: flex;
      gap: 24px;
    }

    .footer-links a {
      font-size: 0.8rem;
      color: var(--text-muted);
      text-decoration: none;
      transition: color 0.2s;
    }

    .footer-links a:hover {
      color: var(--orange);
    }

    .footer-top {
      display: flex;
      flex-direction: column;
      align-items: center;
    }

    .footer-logo img {
      height: 60px;
      width: auto;
    }

    .footer-top img {
      margin-bottom: 15px;
      height: 44px;
      width: auto;
      object-fit: contain;
    }

    .footer-contact a {
      display: flex;
      align-items: center;
      gap: 8px;
      font-size: 13px;
      color: var(--white);
      margin-bottom: 8px;
      transition: color .15s;
      text-decoration: none;
    }

    .footer-copyright {
      width: 100%;
      text-align: center;
      padding-top: 15px;
      border-top: 1px solid #ddd;
    }

    .footer-copyright p {
      margin: 0;
      font-size: 13px;
      color: var(--text-muted);
    }

    .social-links {
      display: flex;
      gap: 12px;
    }

    .social-links a {
      width: 40px;
      height: 40px;
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      color: white;
      font-size: 16px;
      text-decoration: none;
      transition: transform 0.2s, opacity 0.2s;
    }

    .social-links a:hover {
      transform: scale(1.1);
      opacity: 0.9;
    }

    .social-links a.facebook {
      background: #1877F2;
    }

    .social-links a.instagram {
      background: linear-gradient(135deg, #f9ce34, #ee2a7b, #6228d7);
    }

    .social-links a.linkedin {
      background: #0A66C2;
    }

    /*
    footer img{height:38px;width:auto;filter:brightness(0) invert(1);opacity:.75}
    footer p{font-size:.75rem;color:rgba(255,255,255,.35)}
    .footer-links{display:flex;gap:20px}
    .footer-links a{font-size:.75rem;color:rgba(255,255,255,.35);text-decoration:none;transition:color .2s}
    .footer-links a:hover{color:var(--orange)}
    */
    @keyframes fadeUp{from{opacity:0;transform:translateY(22px)}to{opacity:1;transform:translateY(0)}}
    @keyframes fadeLeft{from{opacity:0;transform:translateX(32px)}to{opacity:1;transform:translateX(0)}}
    @keyframes spin{from{transform:rotate(0)}to{transform:rotate(360deg)}}
    @keyframes popIn{from{opacity:0;transform:scale(.88)}to{opacity:1;transform:scale(1)}}

    /* ── ARIAL + RESPONSIVE OVERRIDES ── */
    h1,h2,h3,h4,h5,h6,.sec-title,.form-box-title,.hero-left h1 {font-family:Arial,sans-serif!important;letter-spacing:-.01em}

    /* Form at top — full width centered */
    .form-section{padding:60px 5%}
    .form-inner{max-width:960px;margin:0 auto}

    /* Better mobile nav */
    @media(max-width:1024px) {
      /* HERO */
	    .hero {padding:50px 0;}
      .hero-inner {grid-template-columns:1fr;gap:40px;}
      .hero-content {text-align:center;}
      .hero-badge {margin-left:auto;margin-right:auto;}
      .hero-form-card {max-width:700px;margin:auto;}

	    /* GRIDS */
	    .form-inner, .compare-grid, .elig-grid, .faq-grid {grid-template-columns:1fr;}
	    .benefits-grid, .steps-grid {grid-template-columns:1fr 1fr; gap:24px;}
      .steps-grid::before {display:none;}
	    .stats-strip {grid-template-columns:repeat(2,1fr);}
    }

    @media (max-width:768px) {
      /* NAV */
	    /* nav {padding:0 4%;height:60px;}
      .nav-links {display: none;}
      .nav-logo img {height:40px;} */

	    /* HERO */
	    .hero {padding:40px 0;} 
	    .hero-inner {grid-template-columns:1fr;gap:32px;}
      .hero-content {order:1;text-align:center;}
      .hero-form-card {order:2;padding:24px 18px;}
      .hero h1 {font-size:2rem;line-height:1.25;}
      .hero-desc {font-size:15px;margin-bottom:24px;}
      .form-perks {text-align:left;}

	    /* STATS */
	    .hero-stats {flex-wrap:wrap;gap:12px;}
      .hs-item {flex:0 0 45%;border-right:none !important;padding:0 !important;}
	    .stats-strip {grid-template-columns:1fr 1fr;padding:20px 4%;}

	    /* SECTIONS */
	    .section,  .form-section {padding:40px 4%;}
      .sec-title {font-size:1.4rem;}  

	    /* GRIDS */
	    .benefits-grid, .compare-grid, .elig-grid, .faq-grid, .form-inner, .fi-row {grid-template-columns:1fr;}
      .steps-grid {grid-template-columns:1fr; gap:24px;}

	    /* FORM */
	    .form-tabs {flex-wrap:wrap;gap:6px;}
      .ftab {font-size:.72rem; padding:10px 6px;}
      .phone-wrap {width:100%; min-width:0;}
      .phone-wrap input {min-width:0;}

	    /* FOOTER */
	    footer {flex-direction:column; text-align:center; gap:10px;}
      .footer-top {display: flex; flex-direction: column; align-items: center; gap: 10px;}
      .social-links {display: flex; justify-content: center; gap: 12px;}
      .footer-links{justify-content:center;}
      .floating-cta {bottom: 14px;right: 14px;}
	  }

    @media (max-width:480px) {
      /* HERO */
	    .hero h1 {font-size:1.7rem;}
      .hero-form-card {padding:20px 14px;}
      .hs-item {flex:0 0 100%;}
      .stats-strip, .steps-grid {grid-template-columns:1fr;}
      .scheme-pills {gap:6px;}
      .scheme-pill {font-size:.68rem; padding:5px 12px;}
      .btn-form{font-size:.88rem; padding:13px;}
	  }