.policy-hero{position:relative;padding:8rem 0 4rem;background:#f0f5f7;overflow:hidden}@media(min-width: 768px){.policy-hero{padding:10rem 0 6rem}}.policy-hero__pattern{position:absolute;inset:0;opacity:.03;pointer-events:none;background-image:radial-gradient(#223849 1px, transparent 1px);background-size:32px 32px}.policy-hero__inner{max-width:87.5rem;margin:0 auto;padding:0 1.5rem;position:relative;z-index:1}.policy-hero__breadcrumb{display:flex;align-items:center;gap:.5rem;margin-bottom:2rem;opacity:0;transform:translateY(10px);transition:opacity .6s ease,transform .6s ease}.policy-hero.is-visible .policy-hero__breadcrumb{opacity:1;transform:translateY(0)}.policy-hero__breadcrumb a,.policy-hero__breadcrumb span{font-size:.625rem;font-weight:900;text-transform:uppercase;letter-spacing:.2em;color:#94a3b8;text-decoration:none;transition:color .3s}.policy-hero__breadcrumb a:hover{color:#307f90}.policy-hero__breadcrumb svg{color:#cbd5e1}.policy-hero__content{max-width:56rem}.policy-hero__kicker{display:inline-block;font-size:.6875rem;font-weight:900;text-transform:uppercase;letter-spacing:.4em;color:#307f90;margin-bottom:1rem;opacity:0;transform:translateX(-20px);transition:opacity .6s ease .1s,transform .6s ease .1s}.policy-hero.is-visible .policy-hero__kicker{opacity:1;transform:translateX(0)}.policy-hero__heading{font-size:clamp(3rem,8vw,4.5rem);font-weight:900;color:#223849;letter-spacing:-0.02em;line-height:.95;text-transform:uppercase;margin-bottom:2rem;opacity:0;transform:translateY(20px);transition:opacity .6s ease .2s,transform .6s ease .2s}.policy-hero.is-visible .policy-hero__heading{opacity:1;transform:translateY(0)}.policy-hero__subtitle{font-size:clamp(1rem,2.5vw,1.25rem);color:#475569;font-weight:500;line-height:1.6;opacity:0;transform:translateY(20px);transition:opacity .6s ease .3s,transform .6s ease .3s}.policy-hero.is-visible .policy-hero__subtitle{opacity:1;transform:translateY(0)}.policy-hero__glow{position:absolute;right:-5rem;bottom:-5rem;width:24rem;height:24rem;background:#307f90;border-radius:50%;opacity:.05;filter:blur(120px);pointer-events:none}.split-showcase{padding:6rem 0;background-color:#fff;overflow:hidden}.split-showcase__container{max-width:80rem;margin:0 auto;padding:0 1.5rem}.split-showcase__grid{display:grid;grid-template-columns:1fr;gap:4rem;align-items:center}@media(min-width: 1024px){.split-showcase__grid{grid-template-columns:1fr 1fr}}.split-showcase__info{opacity:0;transform:translateX(-30px);transition:opacity .8s ease,transform .8s ease}.is-visible .split-showcase__info{opacity:1;transform:translateX(0)}.split-showcase__kicker{display:block;font-size:.6875rem;font-weight:900;text-transform:uppercase;letter-spacing:.4em;color:#307f90;margin-bottom:1rem}.split-showcase__heading{font-size:clamp(2rem,4vw,3rem);font-weight:900;color:#223849;letter-spacing:-0.02em;text-transform:uppercase;line-height:1;margin-bottom:2rem}.split-showcase__price-card{background-color:#f0f5f7;border-radius:1.5rem;padding:2rem;margin-bottom:3rem;border:1px solid #f1f5f9;position:relative;overflow:hidden}.split-showcase__price-blob{position:absolute;top:0;right:0;width:8rem;height:8rem;background-color:rgba(48,127,144,.05);border-radius:50%;margin-right:-4rem;margin-top:-4rem;transition:transform .7s ease}.split-showcase__price-card:hover .split-showcase__price-blob{transform:scale(1.5)}.split-showcase__price-inner{position:relative;z-index:1}.split-showcase__price-row{display:flex;align-items:baseline;gap:.25rem;margin-bottom:.5rem}.split-showcase__price{font-size:3rem;font-weight:900;color:#307f90}.split-showcase__period{font-size:1.125rem;font-weight:700;color:#94a3b8;text-transform:uppercase;letter-spacing:.1em}.split-showcase__price-note{font-size:.75rem;font-weight:900;text-transform:uppercase;letter-spacing:.2em;color:#64748b}.split-showcase__list{display:grid;grid-template-columns:1fr;gap:2rem}@media(min-width: 640px){.split-showcase__list{grid-template-columns:1fr 1fr}}.split-showcase__item{display:flex;gap:1rem}.split-showcase__icon{width:2.5rem;height:2.5rem;background-color:rgba(48,127,144,.1);border-radius:.75rem;display:flex;align-items:center;justify-content:center;color:#307f90;flex-shrink:0}.split-showcase__item-title{font-size:.875rem;font-weight:900;text-transform:uppercase;letter-spacing:.1em;color:#223849;margin-bottom:.25rem}.split-showcase__item-detail{font-size:.75rem;color:#64748b;font-weight:500;line-height:1.6}.split-showcase__image-wrap{position:relative;opacity:0;transform:translateX(30px);transition:opacity .8s ease,transform .8s ease}.is-visible .split-showcase__image-wrap{opacity:1;transform:translateX(0)}.split-showcase__image-frame{position:relative;border-radius:2.5rem;overflow:hidden;border:8px solid rgba(212,168,67,.2);box-shadow:0 25px 50px -12px rgba(34,56,73,.1)}.split-showcase__image{width:100%;height:auto;display:block;transition:transform .8s ease}.split-showcase__image-frame:hover .split-showcase__image{transform:scale(1.05)}.split-showcase__badge{position:absolute;top:2rem;right:2rem;background-color:#d4a843;color:#fff;padding:.75rem 1.5rem;border-radius:1rem;font-weight:900;font-size:.875rem;letter-spacing:.2em;text-transform:uppercase;box-shadow:0 10px 30px rgba(212,168,67,.3);animation:pulse-badge 2s infinite}@keyframes pulse-badge{0%,100%{opacity:1}50%{opacity:.8}}.split-showcase__image-overlay{position:absolute;inset:0;background:linear-gradient(to top, rgba(34, 56, 73, 0.8), transparent, transparent);opacity:0;transition:opacity .5s ease;display:flex;flex-direction:column;justify-content:flex-end;padding:2.5rem}.split-showcase__image-frame:hover .split-showcase__image-overlay{opacity:1}.split-showcase__image-overlay p{color:#fff;font-size:.875rem;font-weight:700;line-height:1.6;max-width:16rem}.split-showcase__blob{position:absolute;border-radius:50%;filter:blur(3rem);z-index:-1}.split-showcase__blob--teal{bottom:-1.5rem;left:-1.5rem;width:8rem;height:8rem;background-color:rgba(48,127,144,.1)}.split-showcase__blob--gold{top:-1.5rem;right:-1.5rem;width:12rem;height:12rem;background-color:rgba(212,168,67,.1)}.step-timeline{padding:6rem 0;background-color:#f8fafb;overflow:hidden}.step-timeline__container{max-width:80rem;margin:0 auto;padding:0 1.5rem}.step-timeline__header{text-align:center;margin-bottom:5rem}.step-timeline__kicker{display:inline-block;font-size:.6875rem;font-weight:900;text-transform:uppercase;letter-spacing:.4em;color:#307f90;margin-bottom:1rem;opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}.is-visible .step-timeline__kicker{opacity:1;transform:translateY(0)}.step-timeline__heading{font-size:clamp(2rem,4vw,3rem);font-weight:900;color:#223849;letter-spacing:-0.02em;text-transform:uppercase;line-height:1;opacity:0;transform:translateY(20px);transition:opacity .6s ease .1s,transform .6s ease .1s}.is-visible .step-timeline__heading{opacity:1;transform:translateY(0)}.step-timeline__steps-wrap{position:relative}.step-timeline__line{display:none}@media(min-width: 1024px){.step-timeline__line{display:block;position:absolute;top:3rem;left:10%;right:10%;height:2px;background:linear-gradient(to right, rgba(48, 127, 144, 0.1), rgba(48, 127, 144, 0.3), rgba(48, 127, 144, 0.1))}}.step-timeline__steps{display:grid;grid-template-columns:1fr;gap:3rem}@media(min-width: 640px){.step-timeline__steps{grid-template-columns:1fr 1fr}}@media(min-width: 1024px){.step-timeline__steps{grid-template-columns:repeat(4, 1fr);gap:2rem}}.step-timeline__step{position:relative;display:flex;flex-direction:column;align-items:center;text-align:center;opacity:0;transform:translateY(30px);transition:opacity .6s ease,transform .6s ease}.is-visible .step-timeline__step{opacity:1;transform:translateY(0)}.is-visible .step-timeline__step:nth-child(1){transition-delay:0s}.is-visible .step-timeline__step:nth-child(2){transition-delay:0.15s}.is-visible .step-timeline__step:nth-child(3){transition-delay:0.3s}.is-visible .step-timeline__step:nth-child(4){transition-delay:0.45s}.step-timeline__circle{width:6rem;height:6rem;background-color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;border:4px solid #f1f5f9;box-shadow:0 10px 30px rgba(226,232,240,.2);margin-bottom:2rem;position:relative;z-index:1;transition:border-color .5s ease,transform .5s ease}.step-timeline__circle span{font-size:1.5rem;font-weight:900;color:#223849;transition:color .5s ease}.step-timeline__step:hover .step-timeline__circle{border-color:#307f90;transform:scale(1.1)}.step-timeline__step:hover .step-timeline__circle span{color:#307f90}.step-timeline__step-title{font-size:1.25rem;font-weight:900;color:#223849;margin-bottom:1rem;text-transform:uppercase;letter-spacing:-0.02em;transition:color .5s ease}.step-timeline__step:hover .step-timeline__step-title{color:#307f90}.step-timeline__step-desc{font-size:.875rem;color:#64748b;font-weight:500;line-height:1.6;max-width:15rem}.step-timeline__connector{display:none}@media(max-width: 1023px){.step-timeline__connector{display:block;position:absolute;top:100%;left:50%;transform:translateX(-50%);height:3rem;width:2px;background-color:rgba(48,127,144,.2)}}.step-timeline__step:last-child .step-timeline__connector{display:none}.feature-cards{padding:6rem 0;background-color:#f0f5f7;position:relative;overflow:hidden}.feature-cards__container{max-width:80rem;margin:0 auto;padding:0 1.5rem;position:relative;z-index:1}.feature-cards__header{text-align:center;margin-bottom:4rem}.feature-cards__kicker{display:inline-block;font-size:.6875rem;font-weight:900;text-transform:uppercase;letter-spacing:.4em;color:#307f90;margin-bottom:1rem;opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}.is-visible .feature-cards__kicker{opacity:1;transform:translateY(0)}.feature-cards__heading{font-size:clamp(2rem,4vw,3rem);font-weight:900;color:#223849;letter-spacing:-0.02em;text-transform:uppercase;line-height:1;opacity:0;transform:translateY(20px);transition:opacity .6s ease .1s,transform .6s ease .1s}.is-visible .feature-cards__heading{opacity:1;transform:translateY(0)}.feature-cards__cards{display:grid;grid-template-columns:1fr;gap:2rem;margin-bottom:4rem}@media(min-width: 768px){.feature-cards__cards{grid-template-columns:repeat(3, 1fr)}}.feature-cards__card{background-color:#fff;border-radius:1.5rem;border:1px solid #e2e8f0;padding:2.5rem;display:flex;flex-direction:column;align-items:center;text-align:center;transition:transform .5s ease,box-shadow .5s ease;opacity:0;transform:translateY(20px)}.is-visible .feature-cards__card{opacity:1;transform:translateY(0)}.is-visible .feature-cards__card:nth-child(1){transition-delay:0s}.is-visible .feature-cards__card:nth-child(2){transition-delay:0.1s}.is-visible .feature-cards__card:nth-child(3){transition-delay:0.2s}.feature-cards__card:hover{transform:translateY(-8px);box-shadow:0 25px 50px rgba(226,232,240,.4)}.feature-cards__card-icon{width:4rem;height:4rem;background-color:#f0f5f7;border-radius:1rem;display:flex;align-items:center;justify-content:center;color:#307f90;margin-bottom:2rem;transition:background-color .5s ease,color .5s ease}.feature-cards__card:hover .feature-cards__card-icon{background-color:#307f90;color:#fff}.feature-cards__card-title{font-size:1.25rem;font-weight:900;color:#223849;margin-bottom:1rem;text-transform:uppercase;letter-spacing:-0.02em;transition:color .5s ease}.feature-cards__card:hover .feature-cards__card-title{color:#307f90}.feature-cards__card-desc{font-size:.875rem;color:#64748b;font-weight:500;line-height:1.6}.feature-cards__footer{text-align:center;display:flex;flex-direction:column;align-items:center;gap:1rem;opacity:0;transition:opacity .6s ease .4s}.is-visible .feature-cards__footer{opacity:1}.feature-cards__note{font-size:.75rem;font-weight:700;color:#94a3b8;text-transform:uppercase;letter-spacing:.1em}.feature-cards__link{display:inline-flex;align-items:center;gap:.5rem;font-size:.6875rem;font-weight:900;text-transform:uppercase;letter-spacing:.3em;color:#307f90;transition:color .3s ease}.feature-cards__link:hover{color:#285d7d}.feature-cards__link:hover svg{transform:translateX(6px)}.feature-cards__link svg{transition:transform .3s ease}.apply-form{padding:6rem 0;background-color:#fff}.apply-form__container{max-width:48rem;margin:0 auto;padding:0 1.5rem}.apply-form__header{text-align:center;margin-bottom:4rem}.apply-form__kicker{display:block;font-size:.75rem;font-weight:900;text-transform:uppercase;letter-spacing:.4em;color:#307f90;margin-bottom:1rem;opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}.is-visible .apply-form__kicker{opacity:1;transform:translateY(0)}.apply-form__heading{font-size:clamp(2rem,4vw,3rem);font-weight:900;color:#223849;letter-spacing:-0.02em;text-transform:uppercase;line-height:1;opacity:0;transform:translateY(20px);transition:opacity .6s ease .1s,transform .6s ease .1s}.is-visible .apply-form__heading{opacity:1;transform:translateY(0)}.apply-form__heading-accent{color:#307f90}.apply-form__card{background-color:#f8fafb;border-radius:2.5rem;padding:2rem;border:1px solid #f1f5f9;box-shadow:0 25px 50px rgba(226,232,240,.2);opacity:0;transform:translateY(20px);transition:opacity .8s ease .2s,transform .8s ease .2s}.is-visible .apply-form__card{opacity:1;transform:translateY(0)}@media(min-width: 768px){.apply-form__card{padding:4rem}}.apply-form__grid{display:grid;grid-template-columns:1fr;gap:1.5rem}@media(min-width: 640px){.apply-form__grid{grid-template-columns:1fr 1fr}}.apply-form__field{display:flex;flex-direction:column;gap:.5rem}.apply-form__field--half{grid-column:span 1}@media(min-width: 640px){.apply-form__field--full{grid-column:span 2}}.apply-form__label{font-size:.75rem;font-weight:900;text-transform:uppercase;letter-spacing:.1em;color:#64748b;margin-left:.25rem}.apply-form__req{color:#307f90}.apply-form__input,.apply-form__textarea{width:100%;background-color:#fff;border:1px solid #e2e8f0;border-radius:1rem;padding:1rem 1.5rem;font-size:.9375rem;font-weight:500;color:#223849;outline:none;transition:border-color .3s ease,box-shadow .3s ease;font-family:inherit}.apply-form__input::placeholder,.apply-form__textarea::placeholder{color:#cbd5e1}.apply-form__input:focus,.apply-form__textarea:focus{border-color:#307f90;box-shadow:0 0 0 4px rgba(48,127,144,.08)}.apply-form__input:focus-visible,.apply-form__textarea:focus-visible{border-color:#307f90;box-shadow:0 0 0 3px rgba(48,127,144,.25)}.apply-form__textarea{resize:none}.apply-form__upload{position:relative}.apply-form__upload-input{position:absolute;inset:0;opacity:0;cursor:pointer;z-index:2}.apply-form__upload-area{width:100%;background-color:#fff;border:2px dashed #e2e8f0;border-radius:1rem;padding:2rem;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;transition:border-color .3s ease;cursor:pointer}.apply-form__upload:hover .apply-form__upload-area{border-color:#307f90}.apply-form__upload-icon{color:#cbd5e1;margin-bottom:1rem;transition:color .3s ease}.apply-form__upload:hover .apply-form__upload-icon{color:#307f90}.apply-form__upload-text{font-size:.875rem;font-weight:700;color:#94a3b8;transition:color .3s ease}.apply-form__upload:hover .apply-form__upload-text{color:#223849}.apply-form__upload-hint{font-size:.625rem;text-transform:uppercase;letter-spacing:.1em;color:#cbd5e1;margin-top:.5rem}.apply-form__help{font-size:.625rem;font-weight:500;color:#94a3b8;font-style:italic}.apply-form__agreement{padding-top:2rem;margin-top:2rem;border-top:1px solid #e2e8f0}@media(min-width: 640px){.apply-form__agreement{grid-column:span 2}}.apply-form__checkbox-label{display:flex;align-items:flex-start;gap:1rem;cursor:pointer}.apply-form__checkbox{width:1.5rem;height:1.5rem;border-radius:.5rem;border:2px solid #e2e8f0;accent-color:#307f90;cursor:pointer;flex-shrink:0;margin-top:.125rem}.apply-form__checkbox-text{display:flex;flex-direction:column;gap:.25rem}.apply-form__checkbox-text span{font-size:.875rem;font-weight:700;color:#223849;line-height:1.4}.apply-form__agreement-link{font-size:.625rem;font-weight:900;text-transform:uppercase;letter-spacing:.1em;color:#307f90}.apply-form__agreement-link:hover{text-decoration:underline}.apply-form__submit{width:100%;background-color:#307f90;color:#fff;font-weight:900;padding:1.25rem;border-radius:.75rem;font-size:1.125rem;text-transform:uppercase;letter-spacing:.1em;display:flex;align-items:center;justify-content:center;gap:.75rem;box-shadow:0 10px 30px rgba(48,127,144,.2);transition:background-color .3s ease,transform .2s ease;margin-top:2rem}.apply-form__submit:hover{background-color:#285d7d;transform:scale(1.02)}.apply-form__submit:active{transform:scale(0.98)}.apply-form__success{text-align:center;padding:3rem 0}.apply-form__success-icon{width:6rem;height:6rem;background-color:#22c55e;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;margin:0 auto 2.5rem;box-shadow:0 10px 30px rgba(34,197,94,.3);animation:success-pop .5s cubic-bezier(0.175, 0.885, 0.32, 1.275)}@keyframes success-pop{0%{transform:scale(0);opacity:0}100%{transform:scale(1);opacity:1}}.apply-form__success-heading{font-size:clamp(2rem,4vw,3rem);font-weight:900;color:#223849;text-transform:uppercase;letter-spacing:-0.02em;margin-bottom:1.5rem}.apply-form__success-text{font-size:1.125rem;color:#475569;font-weight:500;line-height:1.6;margin-bottom:3rem;max-width:32rem;margin-left:auto;margin-right:auto}.apply-form__success-cta{display:inline-flex;align-items:center;gap:.75rem;background-color:#307f90;color:#fff;font-weight:900;padding:1.25rem 2.5rem;border-radius:3rem;font-size:1.125rem;text-transform:uppercase;letter-spacing:.1em;box-shadow:0 10px 30px rgba(48,127,144,.3);transition:background-color .3s ease,transform .3s ease}.apply-form__success-cta:hover{background-color:#285d7d;transform:scale(1.05)}.apply-form__success-cta:disabled{opacity:.6;cursor:not-allowed;transform:none}.apply-form__error{background-color:#fef2f2;border:1px solid #fecaca;color:#991b1b;padding:.75rem 1rem;border-radius:.5rem;font-size:.875rem;margin-bottom:1rem}.faq-accordion{padding:6rem 0;background-color:#f8fafb}.faq-accordion__container{max-width:48rem;margin:0 auto;padding:0 1.5rem}.faq-accordion__header{text-align:center;margin-bottom:4rem}.faq-accordion__kicker{display:block;font-size:.75rem;font-weight:900;text-transform:uppercase;letter-spacing:.4em;color:#307f90;margin-bottom:1rem;opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}.is-visible .faq-accordion__kicker{opacity:1;transform:translateY(0)}.faq-accordion__heading{font-size:clamp(2rem,4vw,3rem);font-weight:900;color:#223849;letter-spacing:-0.02em;text-transform:uppercase;line-height:1;opacity:0;transform:translateY(20px);transition:opacity .6s ease .1s,transform .6s ease .1s}.is-visible .faq-accordion__heading{opacity:1;transform:translateY(0)}.faq-accordion__heading-accent{color:#307f90}.faq-accordion__list{display:flex;flex-direction:column;gap:1rem}.faq-accordion__item{background-color:#fff;border-radius:1rem;border:1px solid #f1f5f9;overflow:hidden;transition:border-color .5s ease,box-shadow .5s ease;opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease,border-color .5s ease,box-shadow .5s ease}.is-visible .faq-accordion__item{opacity:1;transform:translateY(0)}.is-visible .faq-accordion__item:nth-child(1){transition-delay:0s}.is-visible .faq-accordion__item:nth-child(2){transition-delay:0.05s}.is-visible .faq-accordion__item:nth-child(3){transition-delay:0.1s}.is-visible .faq-accordion__item:nth-child(4){transition-delay:0.15s}.is-visible .faq-accordion__item:nth-child(5){transition-delay:0.2s}.is-visible .faq-accordion__item:nth-child(6){transition-delay:0.25s}.faq-accordion__item.is-open{border-color:#307f90;box-shadow:0 10px 30px rgba(48,127,144,.05)}.faq-accordion__trigger{width:100%;display:flex;align-items:center;justify-content:space-between;padding:1.5rem 2rem;text-align:left;font-family:inherit}@media(min-width: 768px){.faq-accordion__trigger{padding:2rem}}.faq-accordion__question{font-size:1.125rem;font-weight:900;text-transform:uppercase;letter-spacing:-0.02em;color:#223849;transition:color .3s ease}.is-open .faq-accordion__question{color:#307f90}.faq-accordion__trigger:hover .faq-accordion__question{color:#307f90}.faq-accordion__icon{width:2.5rem;height:2.5rem;border-radius:.75rem;display:flex;align-items:center;justify-content:center;background-color:#f8fafb;color:#94a3b8;flex-shrink:0;transition:background-color .3s ease,color .3s ease,transform .3s ease}.is-open .faq-accordion__icon{background-color:#307f90;color:#fff;transform:rotate(180deg)}.faq-accordion__trigger:hover .faq-accordion__icon{background-color:rgba(48,127,144,.1);color:#307f90}.is-open .faq-accordion__trigger:hover .faq-accordion__icon{background-color:#307f90;color:#fff}.faq-accordion__answer{display:grid;grid-template-rows:0fr;transition:grid-template-rows .3s ease}.is-open .faq-accordion__answer{grid-template-rows:1fr}.faq-accordion__answer-inner{overflow:hidden;padding:0 2rem;transition:padding .3s ease}.is-open .faq-accordion__answer-inner{padding:0 2rem 2rem}.faq-accordion__answer-inner::before{content:"";display:block;height:1px;background-color:#f8fafc;margin-bottom:1.5rem}.faq-accordion__answer-inner p{font-size:1rem;color:#475569;font-weight:500;line-height:1.6}