:root {
    --ink: #102a43;
    --ink-soft: #486581;
    --teal: #0f766e;
    --teal-dark: #0b5f59;
    --teal-pale: #e7f5f2;
    --gold: #f2b84b;
    --gold-pale: #fff5dc;
    --sand: #f7f4ee;
    --paper: #ffffff;
    --line: #d9e2ec;
    --danger: #a33a35;
    --success: #277a52;
    --shadow-sm: 0 8px 24px rgba(16, 42, 67, .08);
    --shadow-lg: 0 26px 70px rgba(16, 42, 67, .16);
    --radius: 18px;
    --shell: 1180px;
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--paper); font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; font-size: 16px; line-height: 1.65; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; height: auto; }
a { color: var(--teal); text-underline-offset: 3px; }
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
h1, h2, h3 { margin-top: 0; color: var(--ink); font-family: "Avenir Next", Avenir, Montserrat, ui-sans-serif, system-ui, sans-serif; line-height: 1.12; letter-spacing: -.025em; }
h1 { font-size: clamp(2.45rem, 5.5vw, 4.8rem); }
h2 { font-size: clamp(2rem, 4vw, 3.2rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1rem; }

.shell { width: min(calc(100% - 40px), var(--shell)); margin-inline: auto; }
.narrow { max-width: 780px; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0; }
.skip-link { position: fixed; z-index: 1000; top: 12px; left: 12px; transform: translateY(-160%); border-radius: 8px; background: var(--paper); padding: 10px 16px; box-shadow: var(--shadow-sm); }
.skip-link:focus { transform: translateY(0); }
.eyebrow { margin-bottom: .8rem; color: var(--teal); font-size: .78rem; font-weight: 800; letter-spacing: .13em; text-transform: uppercase; }
.lead { font-size: clamp(1.05rem, 2vw, 1.28rem); color: var(--ink-soft); }
.lead-small { color: var(--ink-soft); font-size: 1.08rem; }
.fine-print { color: var(--ink-soft); font-size: .84rem; }

.button { display: inline-flex; min-height: 50px; align-items: center; justify-content: center; gap: 8px; border: 1px solid var(--teal); border-radius: 12px; background: var(--teal); color: #fff; padding: 13px 22px; font-weight: 800; line-height: 1.2; text-align: center; text-decoration: none; cursor: pointer; transition: transform .18s ease, background-color .18s ease, box-shadow .18s ease; }
.button:hover { background: var(--teal-dark); box-shadow: 0 9px 24px rgba(15, 118, 110, .2); transform: translateY(-1px); }
.button:focus-visible, button:focus-visible, a:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible { outline: 3px solid rgba(242, 184, 75, .75); outline-offset: 3px; }
.button-small { min-height: 40px; padding: 9px 16px; border-radius: 10px; font-size: .9rem; }
.button-block { width: 100%; }
.button-secondary { background: var(--paper); color: var(--teal); }
.button-secondary:hover { color: #fff; }
.button-gold { border-color: var(--gold); background: var(--gold); color: #272111; }
.button-gold:hover { border-color: #e6a927; background: #e6a927; color: #272111; }
.button[disabled], button[disabled] { opacity: .55; cursor: not-allowed; }
.text-link { display: inline-flex; gap: 8px; align-items: center; font-weight: 800; text-decoration-thickness: 2px; }

.site-header { position: relative; z-index: 100; border-bottom: 1px solid rgba(217, 226, 236, .8); background: rgba(255, 255, 255, .95); backdrop-filter: blur(14px); }
.header-inner { display: flex; min-height: 76px; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 10px; color: var(--ink); font-family: "Avenir Next", Avenir, ui-sans-serif, system-ui, sans-serif; font-size: 1.18rem; font-weight: 700; letter-spacing: -.03em; text-decoration: none; }
.brand strong { color: var(--teal); }
.brand-mark { display: inline-flex; width: 34px; height: 34px; flex: none; }
.brand-mark svg { display: block; width: 100%; height: 100%; }
.brand-mark .mk-body { fill: none; stroke: var(--teal); }
.primary-nav { display: flex; align-items: center; gap: 28px; }
.primary-nav > a:not(.button) { color: var(--ink-soft); font-size: .92rem; font-weight: 700; text-decoration: none; }
.primary-nav > a:not(.button):hover, .primary-nav > a[aria-current="page"] { color: var(--teal); }
.menu-toggle { display: none; width: 44px; height: 44px; flex-direction: column; align-items: center; justify-content: center; gap: 5px; border: 0; border-radius: 10px; background: var(--teal-pale); }
.menu-toggle span:not(.sr-only) { width: 20px; height: 2px; background: var(--teal-dark); }

.home-hero { position: relative; overflow: hidden; background: linear-gradient(112deg, #f9f7f2 0%, #f4f0e7 50%, #e8f3f0 100%); padding: 48px 0 58px; }
.home-hero::before { position: absolute; width: 480px; height: 480px; border: 1px solid rgba(15, 118, 110, .12); border-radius: 50%; content: ""; top: -290px; left: -150px; }
.hero-grid { position: relative; display: grid; grid-template-columns: minmax(0, .92fr) minmax(0, 1.08fr); align-items: center; gap: 55px; }
.hero-copy h1 { max-width: 700px; margin-bottom: 16px; font-size: clamp(2.45rem, 4.8vw, 4.15rem); line-height: 1.04; }
.hero-lead { max-width: 620px; margin-bottom: 22px; color: var(--ink-soft); font-size: clamp(1rem, 1.7vw, 1.2rem); }
.amount-card { max-width: 590px; border: 1px solid rgba(255, 255, 255, .9); border-radius: 20px; background: rgba(255, 255, 255, .96); padding: 18px 22px; box-shadow: var(--shadow-lg); }
.amount-heading { display: flex; align-items: end; justify-content: space-between; gap: 20px; margin-bottom: 10px; }
.amount-heading label { color: var(--ink-soft); font-size: .92rem; font-weight: 800; }
.amount-heading output { color: var(--ink); font-family: "Avenir Next", Avenir, sans-serif; font-size: clamp(1.7rem, 3.4vw, 2.25rem); font-weight: 900; letter-spacing: -.04em; }
.amount-range { width: 100%; height: 7px; margin: 8px 0; border-radius: 10px; appearance: none; background: linear-gradient(to right, var(--teal) 0 var(--range-fill, 43.75%), var(--line) var(--range-fill, 43.75%) 100%); cursor: pointer; }
.amount-range::-webkit-slider-thumb { width: 25px; height: 25px; border: 5px solid #fff; border-radius: 50%; appearance: none; background: var(--teal); box-shadow: 0 1px 2px rgba(16, 42, 67, .3), 0 0 0 1px var(--teal); }
.amount-range::-moz-range-thumb { width: 16px; height: 16px; border: 5px solid #fff; border-radius: 50%; background: var(--teal); box-shadow: 0 1px 2px rgba(16, 42, 67, .3), 0 0 0 1px var(--teal); }
.range-limits { display: flex; justify-content: space-between; margin-top: 3px; color: var(--ink-soft); font-size: .75rem; }
.quick-amounts { display: grid; grid-template-columns: repeat(5, 1fr); gap: 7px; margin: 12px 0; }
.quick-amounts button { min-height: 38px; border: 1px solid var(--line); border-radius: 9px; background: #f8fafc; color: var(--ink); font-size: .8rem; font-weight: 800; cursor: pointer; }
.quick-amounts button:hover, .quick-amounts button.is-active { border-color: var(--teal); background: var(--teal-pale); color: var(--teal-dark); }
.form-disclosure { margin: 12px 0 0; color: var(--ink-soft); font-size: .76rem; line-height: 1.45; text-align: center; }
.hero-visual { position: relative; min-width: 0; }
.hero-visual::before { position: absolute; inset: -18px 18px 18px -18px; z-index: 0; border-radius: 42% 18px 42% 18px; background: var(--gold); content: ""; opacity: .95; }
.hero-visual img { position: relative; z-index: 1; display: block; width: 100%; min-height: 470px; border-radius: 42% 18px 42% 18px; box-shadow: var(--shadow-lg); object-fit: cover; object-position: 61% center; }
.hero-note { position: absolute; z-index: 2; right: -20px; bottom: 28px; display: flex; width: min(340px, 78%); align-items: flex-start; gap: 12px; border: 1px solid rgba(255,255,255,.9); border-radius: 14px; background: rgba(255,255,255,.95); padding: 15px 17px; box-shadow: var(--shadow-sm); backdrop-filter: blur(12px); }
.hero-note > span { display: grid; width: 28px; height: 28px; flex: 0 0 auto; place-items: center; border-radius: 50%; background: var(--teal-pale); color: var(--teal); font-weight: 900; }
.hero-note p { margin: 0; color: var(--ink-soft); font-size: .76rem; line-height: 1.45; }
.hero-note strong { display: block; color: var(--ink); font-size: .82rem; }

.trust-strip { border-bottom: 1px solid var(--line); background: var(--paper); }
.trust-grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.trust-grid > div { display: flex; align-items: center; gap: 14px; padding: 25px 24px; border-right: 1px solid var(--line); }
.trust-grid > div:last-child { border: 0; }
.trust-grid .fact-icon { display: grid; width: 40px; height: 40px; flex: 0 0 auto; place-items: center; border: 1px solid rgba(14, 105, 99, .14); border-radius: 50%; background: var(--teal-pale); color: var(--teal); }
.trust-grid .fact-icon svg { display: block; width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.trust-grid p { margin: 0; font-size: .88rem; line-height: 1.35; }
.trust-grid strong, .trust-grid span { display: block; }
.trust-grid p span { margin-top: 3px; color: var(--ink-soft); font-size: .78rem; }

.section { padding: 96px 0; }
.section-tint { background: var(--sand); }
.section-heading { max-width: 730px; margin: 0 auto 48px; text-align: center; }
.section-heading h2 { margin-bottom: 16px; }
.section-heading > p:last-child { color: var(--ink-soft); font-size: 1.06rem; }
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.steps-grid article { position: relative; overflow: hidden; min-height: 270px; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; background: #fff; box-shadow: var(--shadow-sm); }
.steps-grid article > span { color: rgba(15, 118, 110, .19); font-family: "Avenir Next", Avenir, sans-serif; font-size: 4rem; font-weight: 900; line-height: 1; }
.steps-grid h3 { margin: 18px 0 10px; font-size: 1.4rem; }
.steps-grid p { color: var(--ink-soft); }
.center-link { margin-top: 34px; text-align: center; }
.split-grid { display: grid; grid-template-columns: .85fr 1.15fr; align-items: center; gap: 74px; }
.checklist-card { margin: 0; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; padding: 14px 28px; box-shadow: var(--shadow-sm); list-style: none; }
.checklist-card li { display: flex; gap: 16px; padding: 18px 0; border-bottom: 1px solid var(--line); }
.checklist-card li:last-child { border: 0; }
.checklist-card li > span { display: grid; width: 32px; height: 32px; flex: 0 0 auto; place-items: center; border-radius: 9px; background: var(--gold-pale); color: #75530d; font-weight: 900; }
.checklist-card p { margin: 2px 0 0; color: var(--ink-soft); font-size: .88rem; }
.eligibility-grid { align-items: stretch; gap: 28px; }
.eligibility-card, .state-summary { border-radius: var(--radius); padding: 42px; }
.eligibility-card { background: var(--ink); color: #dce7ef; }
.eligibility-card h2 { color: #fff; }
.eligibility-card .eyebrow { color: #72d1c7; }
.eligibility-card .fine-print { color: #b8cad7; }
.state-summary { border: 1px solid var(--line); background: var(--paper); box-shadow: var(--shadow-sm); }
.tick-list { padding: 0; list-style: none; }
.tick-list li { position: relative; margin: 12px 0; padding-left: 30px; }
.tick-list li::before { position: absolute; left: 0; top: .18em; display: grid; width: 20px; height: 20px; place-items: center; border-radius: 50%; background: rgba(114, 209, 199, .18); color: #72d1c7; content: "✓"; font-size: .76rem; font-weight: 900; }
.state-summary .button { margin-top: 12px; }

.faq-section { background: #fbfcfd; }
.faq-tabs { display: flex; justify-content: center; gap: 8px; margin-bottom: 28px; }
.faq-tabs button { min-height: 44px; border: 1px solid var(--line); border-radius: 999px; background: #fff; color: var(--ink-soft); padding: 9px 20px; font-weight: 800; cursor: pointer; }
.faq-tabs button[aria-selected="true"] { border-color: var(--teal); background: var(--teal); color: #fff; }
.faq-panel, .faq-all { max-width: 850px; margin-inline: auto; }
.faq-panel details, .faq-all details { border-bottom: 1px solid var(--line); background: #fff; }
.faq-panel details:first-child, .faq-all details:first-of-type { border-radius: 14px 14px 0 0; }
.faq-panel summary, .faq-all summary { display: flex; min-height: 66px; align-items: center; justify-content: space-between; gap: 20px; padding: 18px 22px; color: var(--ink); font-weight: 800; cursor: pointer; list-style: none; }
.faq-panel summary::-webkit-details-marker, .faq-all summary::-webkit-details-marker { display: none; }
.faq-panel summary span, .faq-all summary span { color: var(--teal); font-size: 1.45rem; transition: transform .2s ease; }
.faq-panel details[open] summary span, .faq-all details[open] summary span { transform: rotate(45deg); }
.faq-panel details p, .faq-all details p { max-width: 750px; margin: 0; padding: 0 22px 22px; color: var(--ink-soft); }
.faq-all section + section { margin-top: 60px; }
.faq-all section > h2 { font-size: 2rem; }
.source-note { margin-top: 30px; border-left: 4px solid var(--gold); background: var(--gold-pale); padding: 18px 22px; }
.source-note p { margin: 0; color: #554217; font-size: .9rem; }

.cta-band { background: var(--teal-dark); padding: 62px 0; color: #dcefeb; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 45px; }
.cta-inner h2 { margin-bottom: 8px; color: #fff; }
.cta-inner p:not(.eyebrow) { margin: 0; }
.cta-inner .eyebrow { color: #8be0d7; }
.cta-inner .button { flex: 0 0 auto; }

.page-hero { position: relative; overflow: hidden; background: linear-gradient(115deg, var(--sand), var(--teal-pale)); padding: 86px 0; text-align: center; }
.page-hero::after { position: absolute; width: 360px; height: 360px; border: 1px solid rgba(15, 118, 110, .14); border-radius: 50%; content: ""; right: -170px; top: -220px; }
.page-hero h1 { margin-bottom: 18px; }
.article-grid { display: grid; grid-template-columns: minmax(0, 1fr) 330px; align-items: start; gap: 70px; }
.prose { color: var(--ink-soft); }
.prose h2 { margin: 48px 0 14px; font-size: clamp(1.65rem, 3vw, 2.25rem); }
.prose h2:first-child { margin-top: 0; }
.prose h3 { color: var(--ink); }
.prose p { max-width: 760px; }
.prose a { font-weight: 700; }
.callout { margin: 34px 0; border: 1px solid #bddbd6; border-radius: 14px; background: var(--teal-pale); padding: 25px 28px; }
.callout h3 { margin-bottom: 8px; }
.callout p { margin: 0; }
.side-card { position: sticky; top: 24px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--sand); padding: 28px; box-shadow: var(--shadow-sm); }
.side-card h2 { font-size: 1.45rem; }
.side-card ol { padding-left: 22px; color: var(--ink-soft); }
.side-card li { margin: 10px 0; }
.side-card > p:last-child { margin: 14px 0 0; color: var(--ink-soft); font-size: .76rem; text-align: center; }
.side-card .tick-list li::before { background: var(--teal-pale); color: var(--teal); }

.process-list { max-width: 880px; }
.process-list article { display: grid; grid-template-columns: 76px 1fr; gap: 26px; padding: 34px 0; border-bottom: 1px solid var(--line); }
.process-list article > span { display: grid; width: 58px; height: 58px; place-items: center; border-radius: 17px; background: var(--teal-pale); color: var(--teal); font-size: 1.15rem; font-weight: 900; }
.process-list h2 { margin-bottom: 10px; font-size: 1.7rem; }
.process-list p { margin: 0; color: var(--ink-soft); }
.never-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; }
.never-grid p { margin: 0; border: 1px solid var(--line); border-radius: 10px; background: #fff; padding: 14px 16px; color: var(--ink); font-weight: 700; }

.availability-callout { display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: 40px; border: 1px solid #efc7c4; border-radius: var(--radius); background: #fff5f4; padding: 34px; }
.availability-callout h2 { margin: 0; color: var(--danger); font-size: clamp(1.3rem, 2.5vw, 1.8rem); line-height: 1.45; }
.availability-callout > p { margin: 0; color: #714a48; }
.list-title { margin: 60px 0 25px; font-size: 2rem; }
.states-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 10px; padding: 0; list-style: none; }
.states-grid li { border: 1px solid var(--line); border-radius: 10px; background: #fff; padding: 13px 15px; font-weight: 700; }
.states-grid span { margin-right: 8px; color: var(--teal); }

.request-hero { background: var(--ink); padding: 66px 0 55px; color: #d7e3ec; text-align: center; }
.request-hero .eyebrow { color: #72d1c7; }
.request-hero h1 { margin-bottom: 14px; color: #fff; font-size: clamp(2.1rem, 4.7vw, 3.8rem); }
.request-hero h1 span { color: var(--gold); }
.request-section { background: var(--sand); padding: 54px 0 75px; }
.request-layout { display: grid; max-width: 960px; grid-template-columns: minmax(0, 1fr); align-items: start; gap: 22px; }
.request-card { overflow: hidden; min-height: 430px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: var(--shadow-lg); }
.request-card-head { display: flex; align-items: center; justify-content: space-between; gap: 20px; border-bottom: 1px solid var(--line); padding: 20px 24px; }
.request-card-head .eyebrow { margin: 0 0 3px; }
.request-card-head h2 { margin: 0; font-size: 1.35rem; }
.secure-pill { border-radius: 999px; background: var(--teal-pale); color: var(--teal-dark); padding: 6px 11px; font-size: .72rem; font-weight: 800; }
.gate-panel { display: flex; min-height: 350px; flex-direction: column; align-items: center; justify-content: center; padding: 35px; text-align: center; }
.gate-panel h3 { margin-bottom: 9px; }
.gate-panel > p { max-width: 520px; color: var(--ink-soft); }
.shield-mark { display: grid; width: 58px; height: 58px; margin-bottom: 18px; place-items: center; border-radius: 18px; background: var(--teal-pale); color: var(--teal); font-size: 1.4rem; font-weight: 900; }
.cf-turnstile { min-height: 65px; margin: 18px 0 5px; }
.gate-retry { margin-top: 10px; }
.gate-retry[hidden] { display: none; }
.gate-status { min-height: 1.5em; margin: 8px 0 0; color: var(--ink-soft); font-size: .85rem; }
.embed-panel { min-height: 650px; padding: 16px; scroll-margin-top: 76px; }
.embed-loading { display: flex; min-height: 240px; flex-direction: column; align-items: center; justify-content: center; color: var(--ink-soft); }
.embed-loading span { width: 36px; height: 36px; border: 4px solid var(--line); border-top-color: var(--teal); border-radius: 50%; animation: spin .8s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.request-aside { border-radius: var(--radius); background: var(--ink); padding: 28px; color: #c9d8e3; }
.request-aside h2 { color: #fff; font-size: 1.45rem; }
.request-aside .tick-list li::before { background: rgba(114, 209, 199, .15); color: #72d1c7; }
.request-aside > p { margin-top: 24px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.13); font-size: .8rem; }

.legal-copy h2 { font-size: 1.6rem; }
.contact-grid { display: grid; grid-template-columns: minmax(0, 1fr) 340px; align-items: start; gap: 40px; }
.contact-form { border: 1px solid var(--line); border-radius: var(--radius); padding: 34px; box-shadow: var(--shadow-sm); }
.contact-form h2 { font-size: 1.8rem; }
.contact-form label { display: block; margin: 18px 0 6px; font-weight: 800; }
.contact-form input, .contact-form select, .contact-form textarea { width: 100%; border: 1px solid #b8c6d1; border-radius: 10px; background: #fff; padding: 12px 14px; color: var(--ink); }
.contact-form textarea { resize: vertical; }
.contact-form .button { margin-top: 16px; }
.warning-box { margin-top: 20px; border-left: 4px solid var(--gold); background: var(--gold-pale); padding: 12px 15px; color: #5c4618; font-size: .85rem; }
.warning-box strong { display: block; }
.form-message { margin-bottom: 18px; border-radius: 9px; padding: 12px 15px; }
.form-message.success { background: #eaf7f0; color: var(--success); }
.form-message.error { background: #fff0ef; color: var(--danger); }
.contact-aside { border-radius: var(--radius); background: var(--sand); padding: 30px; }
.contact-aside h2 { font-size: 1.55rem; }
.contact-aside div { padding: 16px 0; border-bottom: 1px solid var(--line); }
.contact-aside div:last-child { border: 0; }
.contact-aside p { margin: 4px 0 0; color: var(--ink-soft); font-size: .88rem; }
.not-found { display: grid; min-height: 65vh; place-items: center; background: var(--sand); padding: 80px 0; text-align: center; }

.site-footer { background: #0a2235; color: #b9cad6; padding: 70px 0 95px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr .75fr .75fr; gap: 70px; }
.brand-light { color: #fff; }
.brand-light .brand-mark .mk-body { stroke: #72d1c7; }
.brand-light strong { color: #72d1c7; }
.footer-brand p { max-width: 430px; margin-top: 20px; }
.footer-grid h2 { margin-bottom: 16px; color: #fff; font-size: .9rem; letter-spacing: .08em; text-transform: uppercase; }
.footer-grid > div > a:not(.brand) { display: block; margin: 9px 0; color: #c7d5df; text-decoration: none; }
.footer-grid > div > a:hover { color: #fff; }
.footer-disclosure { margin-top: 48px; padding-top: 28px; border-top: 1px solid rgba(255,255,255,.1); }
.footer-disclosure p { max-width: 1020px; color: #91a8b8; font-size: .76rem; line-height: 1.6; }
.mobile-cta { display: none; }

@media (max-width: 980px) {
    .menu-toggle { display: flex; }
    .primary-nav { position: absolute; top: 76px; right: 20px; left: 20px; display: none; flex-direction: column; align-items: stretch; gap: 4px; border: 1px solid var(--line); border-radius: 14px; background: #fff; padding: 12px; box-shadow: var(--shadow-lg); }
    .primary-nav.is-open { display: flex; }
    .primary-nav > a:not(.button) { padding: 11px 12px; }
    .hero-grid { grid-template-columns: 1fr; }
    .hero-copy { max-width: 720px; margin-inline: auto; text-align: center; }
    .amount-card { margin-inline: auto; text-align: left; }
    .hero-visual { max-width: 720px; margin-inline: auto; }
    .hero-visual img { min-height: 430px; }
    .split-grid, .article-grid, .contact-grid { grid-template-columns: 1fr; }
    .side-card { position: static; }
    .states-grid { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 760px) {
    body { padding-bottom: 70px; }
    .shell { width: min(calc(100% - 28px), var(--shell)); }
    .header-inner { min-height: 66px; }
    .primary-nav { top: 66px; right: 14px; left: 14px; }
    .home-hero { padding: 46px 0 58px; }
    .home-hero .eyebrow { font-size: .7rem; }
    .hero-grid { gap: 45px; }
    .hero-copy h1 { font-size: clamp(2.35rem, 12vw, 3.45rem); }
    .hero-lead { font-size: 1.05rem; }
    .amount-card { padding: 19px; }
    .quick-amounts { grid-template-columns: repeat(3, 1fr); }
    .quick-amounts button:nth-child(4), .quick-amounts button:nth-child(5) { display: none; }
    .hero-visual::before { inset: -10px 10px 10px -10px; }
    .hero-visual img { min-height: 330px; border-radius: 38% 14px 38% 14px; }
    .hero-note { right: 10px; bottom: 15px; }
    .trust-grid { grid-template-columns: 1fr; padding: 8px 0; }
    .trust-grid > div { padding: 14px 6px; border: 0; }
    .section { padding: 68px 0; }
    .section-heading { margin-bottom: 34px; }
    .steps-grid { grid-template-columns: 1fr; }
    .steps-grid article { min-height: auto; }
    .split-grid { gap: 35px; }
    .eligibility-card, .state-summary { padding: 28px; }
    .faq-tabs { overflow-x: auto; justify-content: flex-start; padding-bottom: 6px; }
    .faq-tabs button { flex: 0 0 auto; }
    .faq-panel summary, .faq-all summary { min-height: 58px; padding: 16px; font-size: .92rem; }
    .faq-panel details p, .faq-all details p { padding: 0 16px 18px; font-size: .9rem; }
    .cta-inner { flex-direction: column; align-items: flex-start; }
    .cta-inner .button { width: 100%; }
    .page-hero { padding: 62px 0; }
    .process-list article { grid-template-columns: 52px 1fr; gap: 16px; }
    .process-list article > span { width: 48px; height: 48px; }
    .never-grid { grid-template-columns: 1fr; }
    .availability-callout { grid-template-columns: 1fr; gap: 18px; padding: 25px; }
    .states-grid { grid-template-columns: repeat(2, 1fr); }
    .states-grid li { font-size: .86rem; }
    .request-hero { padding: 25px 0 21px; text-align: left; }
    .request-hero .eyebrow { margin-bottom: 7px; font-size: .67rem; }
    .request-hero h1 { margin-bottom: 7px; font-size: clamp(1.65rem, 8.5vw, 2.2rem); }
    .request-hero p:last-child { margin: 0; font-size: .88rem; line-height: 1.45; }
    .request-section { padding: 12px 0 42px; }
    .request-section .shell { width: min(calc(100% - 20px), var(--shell)); }
    .request-layout { gap: 12px; }
    .request-card { min-height: 0; border-radius: 14px; box-shadow: var(--shadow-sm); }
    .request-card-head { padding: 12px 14px; }
    .request-card-head h2 { font-size: 1.05rem; }
    .secure-pill { padding: 5px 8px; font-size: .64rem; }
    .request-aside { margin: 0; border-radius: 14px; padding: 20px; }
    .request-aside h2 { margin-bottom: 12px; font-size: 1.2rem; }
    .request-aside .tick-list { gap: 8px; }
    .request-aside > p { margin-top: 16px; padding-top: 14px; }
    .gate-panel { min-height: 0; padding: 18px 14px 20px; }
    .gate-panel h3 { margin-bottom: 6px; font-size: 1.05rem; }
    .gate-panel > p { margin-bottom: 6px; font-size: .82rem; line-height: 1.42; }
    .shield-mark { width: 42px; height: 42px; margin-bottom: 10px; border-radius: 13px; font-size: 1.05rem; }
    .cf-turnstile { width: 100%; min-height: 65px; margin: 10px 0 2px; }
    .gate-status { margin-top: 5px; font-size: .78rem; }
    .contact-form { padding: 24px 18px; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px 28px; }
    .footer-brand { grid-column: 1 / -1; }
    .site-footer { padding-bottom: 40px; }
    .mobile-cta { position: fixed; z-index: 90; right: 0; bottom: 0; left: 0; display: block; border-top: 1px solid var(--line); background: rgba(255,255,255,.96); padding: 9px 14px; backdrop-filter: blur(12px); }
    .mobile-cta .button { width: 100%; min-height: 50px; }
}

@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after { scroll-behavior: auto !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
}