:root{
  --navy-900:#0d2340;
  --navy-800:#132c4d;
  --navy-700:#1c3b63;
  --steel-500:#5a6f8c;
  --paper:#fffdf6;
  --surface:#ffffff;
  --line:#eae3cd;
  --line-dark:rgba(255,255,255,0.14);
  --text:#14181f;
  --text-muted:#5c6472;
  --gold:#ffc629;
  --gold-dark:#c98a00;
  --gold-tint:#fff5d6;
  --success:#1f6b45;
  --mark-red:#ffc629;
  --radius:0px;
  --transition:0.2s ease;
  --shadow-sm: 0 1px 2px rgba(13,35,64,0.06);
  --shadow-md: 0 8px 24px rgba(13,35,64,0.10);
  --shadow-gold: 0 8px 22px rgba(255,198,41,0.35);
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:-apple-system,BlinkMacSystemFont,'SF Pro Display','SF Pro Text','Helvetica Neue',Helvetica,Arial,sans-serif;
  background:var(--paper);
  color:var(--text);
  font-weight:400;
  -webkit-font-smoothing:antialiased;
}
img,svg{display:block;max-width:100%;}
a{color:inherit;text-decoration:none;}
ul{margin:0;padding:0;list-style:none;}
button{font-family:inherit;cursor:pointer;}
input,select{font-family:inherit;}

.container{width:90%;max-width:1180px;margin:0 auto;}

h1,h2,h3,h4{
  font-weight:800;
  letter-spacing:-0.015em;
  margin:0;
  line-height:1.08;
}
h1{font-size:clamp(2.3rem,4.6vw,3.9rem);}
h2{font-size:clamp(1.7rem,3.2vw,2.5rem);}
h3{font-size:clamp(1.15rem,1.6vw,1.35rem);}
p{font-size:clamp(1rem,1.2vw,1.08rem);line-height:1.7;color:var(--text-muted);margin:0;}

.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-size:0.78rem;font-weight:700;letter-spacing:0.09em;text-transform:uppercase;
  color:var(--gold-dark);
  margin-bottom:14px;
}
.eyebrow::before{content:'';width:16px;height:2px;background:var(--gold);display:inline-block;}

section{padding:clamp(3.5rem,7vw,6.5rem) 0;}
.section-head{max-width:640px;margin-bottom:clamp(2rem,4vw,3.2rem);}

.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:14px 28px;
  font-weight:700;font-size:0.95rem;letter-spacing:0.01em;
  border:2px solid transparent;
  border-radius:var(--radius);
  transition:transform var(--transition),box-shadow var(--transition),background var(--transition),border-color var(--transition);
  min-height:48px;
}
.btn-primary{background:var(--gold);color:var(--navy-900);border-color:var(--gold);}
.btn-primary:hover{background:#ffd75c;border-color:#ffd75c;transform:translateY(-2px);box-shadow:var(--shadow-gold);}
.btn-outline-dark{background:transparent;color:var(--navy-900);border-color:var(--navy-900);}
.btn-outline-dark:hover{background:var(--navy-900);color:#fff;transform:translateY(-2px);}
.btn-outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,0.5);}
.btn-outline-light:hover{border-color:#fff;background:rgba(255,255,255,0.08);}
.btn-block{width:100%;}
.btn-sm{padding:9px 16px;font-size:0.82rem;min-height:38px;}

/* ---------- LANGUAGE SWITCH ---------- */
.lang-switch{
  display:flex;border:1px solid var(--navy-900);
}
.lang-btn{
  background:transparent;border:none;
  font-weight:700;font-size:0.78rem;letter-spacing:0.03em;
  color:var(--navy-900);padding:7px 12px;
  transition:background var(--transition),color var(--transition);
}
.lang-btn + .lang-btn{border-left:1px solid var(--navy-900);}
.lang-btn.active{background:var(--navy-900);color:#fff;}
.lang-btn:not(.active):hover{background:var(--gold-tint);}
.lang-switch-mobile{border-color:var(--navy-900);margin:14px 5% 0;align-self:flex-start;}

/* ---------- NAV ---------- */
header.site-nav{
  position:sticky;top:0;z-index:1000;
  background:var(--paper);
  border-bottom:1px solid var(--line);
}
.nav-inner{display:flex;align-items:center;justify-content:space-between;padding:16px 0;}
.brand{display:flex;align-items:center;gap:10px;}
.brand svg{width:30px;height:30px;flex-shrink:0;}
.brand-word{font-weight:800;font-size:1.1rem;letter-spacing:-0.01em;}
.brand-word span{color:var(--mark-red);}
.nav-links{display:flex;align-items:center;gap:32px;}
.nav-link{font-weight:600;font-size:0.92rem;position:relative;color:var(--navy-900);padding:4px 0;}
.nav-link::after{content:'';display:block;width:0;height:2px;background:var(--gold);transition:width var(--transition);}
.nav-link:hover::after{width:100%;}
.nav-actions{display:flex;align-items:center;gap:14px;}
.nav-login{font-weight:700;font-size:0.9rem;}
.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:none;padding:8px;}
.nav-toggle span{width:24px;height:2px;background:var(--navy-900);display:block;}
.nav-mobile{display:none;}

@media (max-width:860px){
  .nav-links{display:none;}
  .nav-login{display:none;}
  .nav-toggle{display:flex;}
  .nav-mobile.open{
    display:flex;flex-direction:column;gap:0;
    position:absolute;top:100%;left:0;right:0;
    background:var(--paper);border-bottom:1px solid var(--line);
    padding:8px 0 20px;
  }
  .nav-mobile a{padding:14px 5%;font-weight:600;border-top:1px solid var(--line);}
}

/* ---------- HERO ---------- */
.hero{
  position:relative;
  background:var(--navy-900);
  color:#fff;
  overflow:hidden;
  padding:clamp(5rem,11vw,9rem) 0 clamp(4rem,8vw,6.5rem);
  min-height:640px;
  display:flex;
  align-items:center;
}
.hero-video-bg{
  position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0;
}
.hero-video-overlay{
  position:absolute;inset:0;z-index:1;
  background:linear-gradient(100deg, rgba(13,35,64,0.94) 0%, rgba(13,35,64,0.82) 38%, rgba(13,35,64,0.45) 68%, rgba(13,35,64,0.25) 100%);
}
.hero-grid-lines{
  position:absolute;inset:0;z-index:1;
  pointer-events:none;
  opacity:0.5;
}
.hero-inner{
  position:relative;z-index:2;
  width:90%;max-width:1180px;margin:0 auto;
}
.hero-copy p.lead{color:rgba(255,255,255,0.75);max-width:560px;margin-top:18px;}
.hero-cta-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:34px;}
.hero-trust{
  margin-top:38px;padding-top:22px;border-top:1px solid var(--line-dark);
  font-size:0.82rem;color:rgba(255,255,255,0.6);font-weight:600;letter-spacing:0.01em;
  max-width:560px;
}

@media (max-width:860px){
  .hero{min-height:560px;}
  .hero-video-overlay{background:linear-gradient(180deg, rgba(13,35,64,0.55) 0%, rgba(13,35,64,0.9) 65%, rgba(13,35,64,0.96) 100%);}
}

/* ---------- TRUST STRIP ---------- */
.trust-strip{background:var(--gold-tint);border-bottom:1px solid var(--line);border-top:1px solid var(--line);}
.trust-grid{
  display:grid;grid-template-columns:repeat(4,1fr);
  padding:clamp(1.6rem,3vw,2.4rem) 0;
}
.trust-item{
  padding:0 20px;
  border-left:1px solid var(--line);
}
.trust-item:first-child{border-left:none;padding-left:0;}
.trust-item .num{font-size:0.75rem;font-weight:700;color:var(--gold-dark);letter-spacing:0.08em;}
.trust-item h4{font-size:1rem;margin-top:6px;}
.trust-item p{font-size:0.85rem;margin-top:4px;}
@media (max-width:760px){
  .trust-grid{grid-template-columns:1fr 1fr;row-gap:24px;}
  .trust-item:nth-child(3){border-left:none;padding-left:0;}
}
@media (max-width:480px){
  .trust-grid{grid-template-columns:1fr;}
  .trust-item{border-left:none;padding-left:0;border-top:1px solid var(--line);padding-top:18px;}
  .trust-item:first-child{border-top:none;padding-top:0;}
}

/* ---------- PANEL INSTITUTIONS ---------- */
.panel-strip{padding:clamp(2.2rem,4vw,3rem) 0;background:var(--surface);border-bottom:1px solid var(--line);}
.panel-label{
  font-size:0.72rem;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;
  color:var(--text-muted);text-align:center;margin-bottom:22px;
}
.panel-grid{
  display:grid;grid-template-columns:repeat(6,1fr);
  border-top:1px solid var(--line);border-left:1px solid var(--line);
}
.panel-item{
  border-right:1px solid var(--line);border-bottom:1px solid var(--line);
  min-height:96px;display:flex;align-items:center;justify-content:center;
  padding:18px 22px;transition:background var(--transition);
}
.panel-item:hover{background:var(--gold-tint);}
.panel-item img{
  max-width:100%;max-height:44px;width:auto;height:auto;
  object-fit:contain;filter:grayscale(0);
}
.panel-item-text{font-weight:800;font-size:1.05rem;letter-spacing:-0.01em;color:var(--navy-900);}
@media (max-width:760px){.panel-grid{grid-template-columns:repeat(3,1fr);}}
@media (max-width:480px){.panel-grid{grid-template-columns:repeat(2,1fr);}.panel-item{min-height:80px;}.panel-item img{max-height:34px;}}

/* ---------- HOW IT WORKS ---------- */
.steps-grid{
  display:grid;grid-template-columns:repeat(4,1fr);gap:0;
  border-top:1px solid var(--line);border-left:1px solid var(--line);
}
.step-card{
  position:relative;
  border-right:1px solid var(--line);border-bottom:1px solid var(--line);
  padding:28px 26px;background:var(--surface);
  transition:background var(--transition),transform var(--transition);
  overflow:hidden;
}
.step-card::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:var(--gold);transform:scaleX(0);transform-origin:left;
  transition:transform var(--transition);
}
.step-card:hover{background:var(--gold-tint);transform:translateY(-3px);}
.step-card:hover::before{transform:scaleX(1);}
.step-card .step-index{
  font-size:0.78rem;font-weight:800;color:var(--gold-dark);
  letter-spacing:0.05em;margin-bottom:16px;display:block;
}
.step-card h3{margin-bottom:10px;}
.step-card p{font-size:0.92rem;}
@media (max-width:900px){.steps-grid{grid-template-columns:1fr 1fr;}}
@media (max-width:560px){.steps-grid{grid-template-columns:1fr;}}

/* ---------- RATE ESTIMATOR ---------- */
.estimator{background:var(--navy-900);color:#fff;}
.estimator-panel{
  display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,5vw,4rem);
  align-items:start;
}
.estimator .section-head p{color:rgba(255,255,255,0.65);}
.field{margin-bottom:26px;}
.field-label{
  display:flex;justify-content:space-between;align-items:baseline;
  font-size:0.85rem;font-weight:700;letter-spacing:0.02em;
  margin-bottom:10px;color:rgba(255,255,255,0.85);
}
.field-label .val{font-weight:800;color:var(--gold);font-size:1rem;}
input[type=range]{
  -webkit-appearance:none;width:100%;height:2px;background:var(--line-dark);outline:none;
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;width:20px;height:20px;background:var(--gold);border:2px solid var(--navy-900);cursor:pointer;
}
input[type=range]::-moz-range-thumb{
  width:20px;height:20px;background:var(--gold);border:2px solid var(--navy-900);cursor:pointer;border-radius:0;
}
.result-box{
  border:1px solid var(--line-dark);padding:32px;
}
.result-label{font-size:0.8rem;font-weight:700;letter-spacing:0.06em;text-transform:uppercase;color:rgba(255,255,255,0.6);}
.result-amount{font-size:clamp(2.4rem,5vw,3.4rem);font-weight:800;color:var(--gold);margin-top:10px;letter-spacing:-0.02em;}
.result-amount sup{font-size:1.1rem;font-weight:700;margin-right:4px;}
.result-meta{margin-top:18px;font-size:0.85rem;color:rgba(255,255,255,0.55);}
.disclaimer-note{font-size:0.78rem;color:rgba(255,255,255,0.45);margin-top:22px;line-height:1.6;}

/* ---------- FEATURES ---------- */
.features-wrap{
  display:grid;grid-template-columns:0.8fr 1.2fr;gap:clamp(1.5rem,3vw,2.5rem);align-items:stretch;
}
.features-photo{
  position:relative;overflow:hidden;border:1px solid var(--line);min-height:320px;
}
.features-photo img{width:100%;height:100%;object-fit:cover;position:absolute;inset:0;}
.features-grid{
  display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:var(--line);border:1px solid var(--line);
}
.feature-card{background:var(--surface);padding:32px;position:relative;overflow:hidden;transition:transform var(--transition);}
.feature-card::before{
  content:'';position:absolute;top:0;left:0;bottom:0;width:3px;
  background:var(--gold);transform:scaleY(0);transform-origin:top;
  transition:transform var(--transition);
}
.feature-card:hover{transform:translateY(-3px);}
.feature-card:hover::before{transform:scaleY(1);}
.feature-card .icon{width:38px;height:38px;margin-bottom:18px;color:var(--navy-900);transition:color var(--transition);}
.feature-card:hover .icon{color:var(--gold-dark);}
.feature-card h3{margin-bottom:8px;}
.feature-card p{font-size:0.92rem;}
@media (max-width:900px){.features-wrap{grid-template-columns:1fr;}.features-photo{min-height:220px;}}
@media (max-width:700px){.features-grid{grid-template-columns:1fr;}}

/* ---------- ELIGIBILITY ---------- */
.eligibility-wrap{
  display:grid;grid-template-columns:0.9fr 1.1fr;gap:clamp(2rem,5vw,4rem);
}
.elig-photo{
  position:relative;overflow:hidden;border:1px solid var(--line);aspect-ratio:8/5;margin-bottom:24px;
}
.elig-photo img{width:100%;height:100%;object-fit:cover;position:absolute;inset:0;}
.elig-list li{
  display:flex;gap:14px;padding:16px 0;border-top:1px solid var(--line);font-size:0.98rem;
}
.elig-list li:last-child{border-bottom:1px solid var(--line);}
.elig-check{
  flex-shrink:0;width:22px;height:22px;border:2px solid var(--gold);
  display:flex;align-items:center;justify-content:center;margin-top:2px;
}
.elig-check svg{width:12px;height:12px;}
.docs-box{
  background:var(--navy-900);color:#fff;padding:clamp(1.8rem,3vw,2.6rem);
}
.docs-box h3{color:#fff;margin-bottom:6px;}
.docs-box p{color:rgba(255,255,255,0.6);font-size:0.88rem;margin-bottom:20px;}
.docs-box li{
  display:flex;align-items:center;gap:12px;padding:12px 0;border-top:1px solid var(--line-dark);font-size:0.92rem;font-weight:600;
}
.docs-box .doc-tag{
  margin-left:auto;font-size:0.72rem;font-weight:700;letter-spacing:0.04em;text-transform:uppercase;
  color:var(--gold);border:1px solid var(--gold);padding:3px 8px;
}
@media (max-width:800px){.eligibility-wrap{grid-template-columns:1fr;}}

/* ---------- FAQ ---------- */
.faq-item{border-top:1px solid var(--line);}
.faq-item:last-child{border-bottom:1px solid var(--line);}
.faq-q{
  width:100%;background:none;border:none;text-align:left;
  display:flex;justify-content:space-between;align-items:center;
  padding:22px 0;font-weight:700;font-size:1.02rem;color:var(--navy-900);
}
.faq-q .plus{
  flex-shrink:0;width:22px;height:22px;position:relative;margin-left:16px;
}
.faq-q .plus::before,.faq-q .plus::after{
  content:'';position:absolute;background:var(--navy-900);top:50%;left:50%;transform:translate(-50%,-50%);
}
.faq-q .plus::before{width:14px;height:2px;}
.faq-q .plus::after{width:2px;height:14px;transition:transform var(--transition);}
.faq-item.open .plus::after{transform:translate(-50%,-50%) rotate(90deg) scaleY(0);}
.faq-a{max-height:0;overflow:hidden;transition:max-height 0.3s ease;}
.faq-a p{padding-bottom:22px;max-width:640px;}
.faq-item.open .faq-a{max-height:220px;}

/* ---------- FINAL CTA ---------- */
.final-cta{
  background:var(--gold);color:var(--navy-900);text-align:left;
}
.final-cta-inner{
  display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:24px;
}
.final-cta h2{color:var(--navy-900);}
.final-cta p{color:rgba(13,35,64,0.72);margin-top:10px;}

/* ---------- FOOTER ---------- */
footer{background:var(--navy-900);color:rgba(255,255,255,0.6);padding:4rem 0 2rem;}
.footer-top{
  display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:2.5rem;
  padding-bottom:2.5rem;border-bottom:1px solid var(--line-dark);
}
.footer-brand .brand-word{color:#fff;}
.footer-brand p{margin-top:14px;font-size:0.88rem;max-width:320px;}
.footer-col h4{color:#fff;font-size:0.85rem;letter-spacing:0.05em;text-transform:uppercase;margin-bottom:16px;}
.footer-col li{margin-bottom:10px;font-size:0.9rem;}
.footer-col a:hover{color:#fff;}
.footer-legal{font-size:0.76rem;line-height:1.7;padding-top:2rem;max-width:900px;}
.footer-bottom{
  display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;
  padding-top:1.6rem;font-size:0.78rem;align-items:center;
}
.footer-bottom-left{display:flex;align-items:center;gap:16px;flex-wrap:wrap;}
.footer-social{display:flex;align-items:center;gap:14px;}
.footer-social a{display:flex;align-items:center;justify-content:center;color:var(--gold);line-height:0;transition:color var(--transition),opacity var(--transition);}
.footer-social a:hover{color:#fff;opacity:0.85;}
.footer-social svg{display:block;width:18px;height:18px;fill:currentColor;}
@media (max-width:760px){.footer-top{grid-template-columns:1fr;}}

/* ---------- REVEAL ---------- */
.reveal{opacity:0;transform:translateY(24px);transition:opacity 0.6s ease,transform 0.6s ease;}
.reveal.visible{opacity:1;transform:none;}

/* ---------- DASHBOARD VIEW ---------- */
#view-dashboard{display:none;background:var(--paper);min-height:100vh;}
#view-dashboard.active{display:block;}
#view-landing.hidden{display:none;}

.dash-topbar{
  background:var(--navy-900);color:#fff;
  border-bottom:1px solid var(--line-dark);
}
.dash-topbar .nav-inner{padding:14px 0;}
.dash-back{font-size:0.85rem;font-weight:700;color:rgba(255,255,255,0.7);}
.dash-back:hover{color:#fff;}

.dash-header{padding:clamp(2.2rem,4vw,3rem) 0 clamp(1.6rem,3vw,2.2rem);}
.dash-header p{margin-top:8px;}

.stepper{
  display:flex;border:1px solid var(--line);background:var(--surface);
}
.stepper-item{
  flex:1;padding:20px 22px;border-right:1px solid var(--line);position:relative;
}
.stepper-item:last-child{border-right:none;}
.stepper-item .dot{
  width:12px;height:12px;border:2px solid var(--steel-500);background:var(--surface);margin-bottom:14px;
}
.stepper-item.done .dot{background:var(--gold);border-color:var(--gold);}
.stepper-item.current .dot{background:var(--navy-900);border-color:var(--navy-900);}
.stepper-item .st-label{font-size:0.86rem;font-weight:700;color:var(--navy-900);}
.stepper-item .st-sub{font-size:0.76rem;color:var(--text-muted);margin-top:4px;display:block;}
.stepper-item.current{background:var(--paper);}
@media (max-width:760px){
  .stepper{flex-direction:column;}
  .stepper-item{border-right:none;border-bottom:1px solid var(--line);}
  .stepper-item:last-child{border-bottom:none;}
}

.dash-grid{display:grid;grid-template-columns:1.6fr 1fr;gap:2rem;margin-top:2.4rem;}
@media (max-width:900px){.dash-grid{grid-template-columns:1fr;}}

.doc-card{
  display:flex;align-items:center;gap:16px;cursor:pointer;
  background:var(--surface);border:1px solid var(--line);padding:18px 20px;margin-bottom:12px;
  transition:border-color var(--transition),transform var(--transition),box-shadow var(--transition);
}
.doc-card:hover{border-color:var(--gold);transform:translateY(-2px);box-shadow:var(--shadow-sm);}
.doc-icon{
  width:40px;height:40px;flex-shrink:0;background:var(--paper);border:1px solid var(--line);
  display:flex;align-items:center;justify-content:center;transition:background var(--transition);
}
.doc-card:hover .doc-icon{background:var(--gold-tint);}
.doc-icon svg{width:18px;height:18px;color:var(--navy-900);}
.doc-info{flex:1;min-width:0;}
.doc-info h4{font-size:0.95rem;font-weight:700;}
.doc-info span{font-size:0.78rem;color:var(--text-muted);display:block;margin-top:2px;}
.doc-status{
  font-size:0.7rem;font-weight:800;letter-spacing:0.05em;text-transform:uppercase;
  padding:5px 10px;border:1px solid var(--line);white-space:nowrap;
}
.doc-status.required{color:var(--text-muted);border-color:var(--line);}
.doc-status.uploaded{color:var(--gold-dark);border-color:var(--gold);background:var(--gold-tint);}
.doc-status.verified{color:var(--success);border-color:var(--success);background:#eaf5ef;}
.doc-upload-btn{
  font-size:0.8rem;font-weight:700;padding:8px 14px;background:var(--navy-900);color:#fff;border:1px solid var(--navy-900);white-space:nowrap;
}
.doc-upload-btn:hover{background:var(--navy-800);}
.doc-card input[type=file]{display:none;}

.side-panel{background:var(--surface);border:1px solid var(--line);padding:26px;margin-bottom:20px;}
.side-panel h4{font-size:0.85rem;letter-spacing:0.05em;text-transform:uppercase;margin-bottom:18px;}
.activity-item{display:flex;gap:12px;padding-bottom:18px;margin-bottom:18px;border-bottom:1px solid var(--line);}
.activity-item:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0;}
.activity-dot{width:8px;height:8px;background:var(--gold);margin-top:6px;flex-shrink:0;}
.activity-item p{font-size:0.86rem;color:var(--text);}
.activity-item span{font-size:0.74rem;color:var(--text-muted);display:block;margin-top:3px;}

.msg-box textarea{
  width:100%;border:1px solid var(--line);padding:12px;font-family:inherit;font-size:0.88rem;resize:vertical;min-height:80px;background:var(--paper);
}
.msg-box textarea:focus{outline:none;border-color:var(--navy-900);box-shadow:0 0 0 3px rgba(13,35,64,0.1);}

@media (min-width:1px){}

/* ---------- INNER PAGE BANNER ---------- */
.page-banner{
  background:var(--navy-900);color:#fff;
  padding:clamp(3rem,6vw,4.5rem) 0 clamp(2.2rem,4vw,3rem);
}
.page-banner .eyebrow{color:var(--gold);}
.page-banner .eyebrow::before{background:var(--gold);}
.page-banner h1{color:#fff;}
.page-banner p.lead{color:rgba(255,255,255,0.72);max-width:600px;margin-top:14px;font-size:1.05rem;}
.nav-link.current{color:var(--gold-dark);}
.nav-link.current::after{width:100%;}

/* ---------- INSTITUTION CARDS (panel-institutions.html) ---------- */
.inst-grid{display:flex;flex-direction:column;gap:0;border-top:1px solid var(--line);}
.inst-card{
  display:grid;grid-template-columns:200px 1fr;gap:2rem;
  padding:2.4rem 0;border-bottom:1px solid var(--line);align-items:start;
}
.inst-logo-box{
  border:1px solid var(--line);background:var(--surface);
  display:flex;align-items:center;justify-content:center;padding:20px;height:110px;
}
.inst-logo-box img{max-width:100%;max-height:70px;object-fit:contain;}
.inst-logo-text{font-weight:800;font-size:1.15rem;letter-spacing:-0.01em;color:var(--navy-900);}
.inst-type-tag{
  display:inline-block;font-size:0.7rem;font-weight:800;letter-spacing:0.05em;text-transform:uppercase;
  padding:4px 9px;border:1px solid var(--gold-dark);color:var(--gold-dark);background:var(--gold-tint);margin-bottom:10px;
}
.inst-card h3{margin-bottom:4px;}
.inst-card .inst-fullname{font-size:0.86rem;color:var(--text-muted);font-style:italic;margin-bottom:12px;}
.inst-card p.inst-desc{font-size:0.94rem;max-width:640px;}
.inst-meta-row{display:flex;flex-wrap:wrap;gap:18px;margin-top:14px;}
.inst-meta-item{font-size:0.8rem;color:var(--text-muted);}
.inst-meta-item strong{color:var(--navy-900);display:block;font-size:0.88rem;}
@media (max-width:700px){
  .inst-card{grid-template-columns:1fr;}
  .inst-logo-box{width:160px;}
}

/* ---------- APPLICATION FORM (apply.html) ---------- */
.apply-form-wrap{max-width:720px;}
fieldset.form-group{border:1px solid var(--line);padding:26px;margin:0 0 20px;background:var(--surface);}
fieldset.form-group legend{
  font-weight:800;font-size:0.8rem;letter-spacing:0.05em;text-transform:uppercase;
  padding:0 8px;color:var(--navy-900);
}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
@media (max-width:600px){.form-row{grid-template-columns:1fr;}}
.form-group label{display:block;font-size:0.82rem;font-weight:700;margin:16px 0 6px;}
.form-group label:first-of-type{margin-top:0;}
.form-group input[type=text],
.form-group input[type=email],
.form-group input[type=tel],
.form-group input[type=number]{
  width:100%;padding:11px 12px;border:1px solid var(--line);background:var(--paper);
  font-family:inherit;font-size:0.95rem;
}
.form-group input:focus{outline:none;border-color:var(--navy-900);}
.form-group input[type=file]{width:100%;font-size:0.85rem;padding:8px 0;}
.file-row{border-top:1px solid var(--line);padding-top:14px;margin-top:14px;}
.file-row:first-of-type{border-top:none;padding-top:0;margin-top:0;}
.file-row .doc-name{font-size:0.9rem;font-weight:700;margin-bottom:6px;}
.apply-submit-btn{
  width:100%;padding:15px;font-weight:700;font-size:0.95rem;
  border:2px solid var(--navy-900);background:var(--navy-900);color:#fff;cursor:pointer;
  transition:background var(--transition),border-color var(--transition),color var(--transition);
}
.apply-submit-btn:hover:not(:disabled){background:var(--gold);border-color:var(--gold);color:var(--navy-900);}
.apply-submit-btn:disabled{opacity:0.6;cursor:not-allowed;}
.form-alert{padding:14px 16px;font-size:0.88rem;margin-bottom:20px;border:1px solid;display:none;}
.form-alert-error{background:#fdecea;border-color:#b3261e;color:#b3261e;}
.form-alert-success{background:var(--gold-tint);border-color:var(--gold-dark);color:#5c4400;}
.form-alert-success strong{display:block;font-size:1.05rem;margin-bottom:4px;}
.form-hint{font-size:0.78rem;color:var(--text-muted);margin-top:4px;text-align:center;}
.consent-group{border:1px solid var(--line);padding:20px 24px;margin:0 0 20px;background:var(--surface);}
.consent-lead{font-size:0.86rem;font-weight:700;margin-bottom:10px;color:var(--navy-900);}
.consent-list{margin:0 0 16px;padding-left:20px;font-size:0.82rem;color:var(--text-muted);line-height:1.65;}
.consent-list li{margin-bottom:8px;}
.consent-list a{color:var(--navy-900);text-decoration:underline;}
.consent-checkbox-label{display:flex;align-items:flex-start;gap:10px;font-size:0.85rem;font-weight:700;cursor:pointer;color:var(--navy-900);}
.consent-checkbox-label input[type=checkbox]{width:18px;height:18px;margin-top:2px;flex-shrink:0;accent-color:var(--navy-900);cursor:pointer;}