:root {
  --green: #009b4e;
  --green-dark: #00743c;
  --blue: #0072bc;
  --yellow: #ffc629;
  --ink: #163b4f;
  --muted: #667785;
  --bg: #f3f8fb;
  --card: #ffffff;
  --line: #d9e7ed;
  font-family: Inter, "Segoe UI", Arial, sans-serif;
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--bg);
}

a {
  color: inherit;
  text-decoration: none;
}

button,
input {
  font: inherit;
}

.topbar {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255, 255, 255, 0.96);
  box-shadow: 0 8px 30px rgba(16, 58, 80, 0.08);
}

.utility {
  display: flex;
  justify-content: flex-end;
  gap: 22px;
  padding: 8px clamp(18px, 5vw, 72px);
  color: var(--muted);
  font-size: 13px;
  border-bottom: 1px solid var(--line);
}

.utility button {
  border: 0;
  background: #e9f6ef;
  color: var(--green-dark);
  border-radius: 999px;
  padding: 2px 10px;
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 16px clamp(18px, 5vw, 72px);
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 20px;
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 64px;
  height: 34px;
  color: #fff;
  background: linear-gradient(135deg, var(--green), var(--blue));
  border-radius: 8px;
  letter-spacing: 0.5px;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 24px;
  color: #315569;
  font-weight: 650;
}

.login,
.primary {
  color: #fff;
  background: var(--green);
  border-radius: 999px;
  padding: 12px 20px;
  border: 0;
  box-shadow: 0 12px 26px rgba(0, 155, 78, 0.24);
}

.secondary {
  color: var(--green-dark);
  background: #e8f7ef;
  border-radius: 999px;
  padding: 12px 20px;
  font-weight: 750;
}

.menu-toggle {
  display: none;
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(300px, 520px);
  min-height: 620px;
  align-items: center;
  gap: 44px;
  padding: 70px clamp(18px, 5vw, 72px);
  background:
    radial-gradient(circle at 75% 28%, rgba(255, 198, 41, 0.44), transparent 24%),
    linear-gradient(130deg, #eef9f2 0%, #ffffff 52%, #dff2fb 100%);
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--green-dark);
  font-size: 13px;
  font-weight: 850;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  margin-bottom: 18px;
  font-size: clamp(44px, 6vw, 72px);
  line-height: 0.98;
}

h2 {
  margin-bottom: 14px;
  font-size: clamp(28px, 4vw, 44px);
  line-height: 1.08;
}

.hero-copy p:not(.eyebrow),
.calculator p,
.app-promo p,
footer p {
  color: var(--muted);
  font-size: 18px;
  line-height: 1.65;
  max-width: 650px;
}

.hero-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 30px;
}

.hero-card {
  position: relative;
  display: grid;
  place-items: center;
  min-height: 480px;
}

.hero-card::before {
  content: "";
  position: absolute;
  width: min(88%, 430px);
  aspect-ratio: 1;
  background: linear-gradient(135deg, var(--green), var(--blue));
  border-radius: 42% 58% 50% 50%;
  transform: rotate(-9deg);
}

.phone {
  position: relative;
  width: min(280px, 70vw);
  min-height: 430px;
  padding: 38px 24px 24px;
  background: #fff;
  border: 10px solid #113b52;
  border-radius: 36px;
  box-shadow: 0 24px 60px rgba(0, 60, 90, 0.24);
}

.phone-head {
  position: absolute;
  top: 14px;
  left: 50%;
  width: 72px;
  height: 8px;
  background: #d7e3ea;
  border-radius: 99px;
  transform: translateX(-50%);
}

.phone h3 {
  margin-top: 28px;
  color: var(--green);
  font-size: 44px;
}

.app-row {
  height: 78px;
  margin: 20px 0;
  background: linear-gradient(90deg, #eaf8f0, #e9f4fb);
  border-radius: 18px;
}

.app-row.small {
  height: 50px;
}

.phone button {
  width: 100%;
  border: 0;
  color: #fff;
  background: var(--blue);
  border-radius: 16px;
  padding: 14px;
  font-weight: 800;
}

.worker-badge {
  position: absolute;
  right: 0;
  bottom: 54px;
  max-width: 220px;
  padding: 18px;
  color: #102f40;
  background: var(--yellow);
  border-radius: 18px;
  font-weight: 850;
  box-shadow: 0 18px 35px rgba(120, 95, 0, 0.18);
}

section {
  padding: 70px clamp(18px, 5vw, 72px);
}

.quick-panel,
.calculator,
.app-promo {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(280px, 1.1fr);
  gap: 34px;
  align-items: center;
}

.quick-panel {
  margin: -54px clamp(18px, 5vw, 72px) 0;
  padding: 32px;
  background: #fff;
  border-radius: 8px;
  box-shadow: 0 20px 55px rgba(24, 74, 94, 0.14);
}

.quick-grid,
.rate-cards,
.program-grid,
.news-grid {
  display: grid;
  gap: 18px;
}

.quick-grid {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.quick-grid button {
  min-height: 96px;
  border: 1px solid var(--line);
  background: #f7fbfd;
  border-radius: 8px;
  color: var(--ink);
  font-weight: 850;
}

.rates {
  background: #fff;
}

.rate-cards,
.news-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.rate-cards article,
.program-grid article,
.news-grid article {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 24px;
  box-shadow: 0 14px 35px rgba(30, 75, 98, 0.07);
}

.rate-cards span,
.program-grid span {
  color: var(--green-dark);
  font-weight: 900;
}

.rate-cards strong {
  display: block;
  margin: 8px 0;
  color: var(--blue);
  font-size: 42px;
}

.section-head {
  max-width: 780px;
  margin-bottom: 28px;
}

.program-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.program-grid article {
  min-height: 210px;
}

.program-grid h3 {
  margin: 12px 0;
}

.program-grid p,
.rate-cards p,
.news-grid p {
  color: var(--muted);
  line-height: 1.55;
}

.calculator {
  background: linear-gradient(135deg, #006eac, #00a451);
  color: #fff;
}

.calculator .eyebrow,
.calculator p {
  color: #e9fff3;
}

form {
  display: grid;
  gap: 14px;
  padding: 26px;
  background: rgba(255, 255, 255, 0.96);
  color: var(--ink);
  border-radius: 8px;
}

label {
  font-weight: 850;
}

input {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 14px 16px;
  font-size: 20px;
}

form button {
  border: 0;
  color: #fff;
  background: var(--green);
  border-radius: 8px;
  padding: 14px;
  font-weight: 850;
}

output {
  color: var(--blue);
  font-size: 22px;
  font-weight: 900;
}

.app-promo {
  background: #fff;
}

.app-visual {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}

.app-visual div {
  min-height: 170px;
  background: linear-gradient(135deg, #e9f8ef, #dceff9);
  border-radius: 8px;
}

.app-visual div:first-child {
  grid-row: span 2;
  min-height: 360px;
  background: linear-gradient(160deg, var(--green), var(--blue));
}

.news-image {
  height: 170px;
  margin: -24px -24px 18px;
  border-radius: 8px 8px 0 0;
}

.news-image.green {
  background: linear-gradient(135deg, #27b86c, #e8f8ee);
}

.news-image.blue {
  background: linear-gradient(135deg, #0d78bd, #d7edf8);
}

.news-image.yellow {
  background: linear-gradient(135deg, #ffc629, #fff4c7);
}

.claim-hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 430px);
  align-items: center;
  gap: 42px;
  padding: 72px clamp(18px, 5vw, 72px);
  background:
    radial-gradient(circle at 84% 18%, rgba(255, 198, 41, 0.5), transparent 22%),
    linear-gradient(135deg, #effaf3 0%, #ffffff 50%, #dff2fb 100%);
}

.claim-hero h1 {
  max-width: 780px;
}

.claim-hero p:not(.eyebrow) {
  color: var(--muted);
  font-size: 18px;
  line-height: 1.65;
}

.claim-visual {
  min-height: 310px;
  border-radius: 8px;
  background:
    linear-gradient(135deg, rgba(0, 155, 78, 0.92), rgba(0, 114, 188, 0.9)),
    repeating-linear-gradient(45deg, transparent 0 18px, rgba(255, 255, 255, 0.12) 18px 20px);
  box-shadow: 0 24px 60px rgba(0, 66, 102, 0.22);
  position: relative;
  overflow: hidden;
}

.claim-visual::before,
.claim-visual::after {
  content: "";
  position: absolute;
  background: rgba(255, 255, 255, 0.92);
  border-radius: 8px;
}

.claim-visual::before {
  width: 68%;
  height: 46px;
  top: 58px;
  left: 42px;
}

.claim-visual::after {
  width: 48%;
  height: 150px;
  right: 38px;
  bottom: 36px;
}

.claim-layout {
  display: grid;
  grid-template-columns: 280px minmax(0, 1fr);
  gap: 28px;
  align-items: start;
}

.claim-sidebar {
  position: sticky;
  top: 102px;
  display: grid;
  gap: 10px;
  padding: 18px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 14px 35px rgba(30, 75, 98, 0.07);
}

.claim-sidebar a {
  padding: 12px 14px;
  color: #315569;
  border-radius: 8px;
  font-weight: 800;
}

.claim-sidebar a.active,
.claim-sidebar a:hover {
  color: #fff;
  background: var(--green);
}

.claim-content {
  display: grid;
  gap: 22px;
}

.claim-card,
.claim-section,
.step-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 14px 35px rgba(30, 75, 98, 0.07);
}

.claim-card {
  padding: 26px;
}

.claim-section {
  padding: 28px;
}

.claim-section h2 {
  font-size: clamp(24px, 3vw, 34px);
}

.claim-list {
  display: grid;
  gap: 10px;
  padding-left: 20px;
  color: #315569;
  line-height: 1.62;
}

.claim-pill-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 18px;
}

.claim-pill {
  display: inline-flex;
  align-items: center;
  padding: 9px 13px;
  border-radius: 999px;
  background: #e8f7ef;
  color: var(--green-dark);
  font-weight: 850;
}

.claim-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.claim-grid.five {
  grid-template-columns: repeat(5, minmax(0, 1fr));
}

.claim-program-card {
  display: grid;
  gap: 12px;
  min-height: 220px;
  padding: 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 14px 35px rgba(30, 75, 98, 0.07);
}

.claim-program-card span,
.step-number {
  display: grid;
  place-items: center;
  width: 48px;
  height: 48px;
  color: #fff;
  background: linear-gradient(135deg, var(--green), var(--blue));
  border-radius: 50%;
  font-weight: 900;
}

.step-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.step-card {
  display: grid;
  gap: 12px;
  padding: 20px;
}

.note-box {
  padding: 18px;
  background: #fff8db;
  border-left: 5px solid var(--yellow);
  border-radius: 8px;
  color: #5f4c00;
  line-height: 1.6;
}

.source-note {
  color: var(--muted);
  font-size: 14px;
}

.modal {
  position: fixed;
  inset: 0;
  display: none;
  place-items: center;
  z-index: 20;
  padding: 22px;
  background: rgba(9, 34, 49, 0.46);
}

.modal.open {
  display: grid;
}

.modal-card {
  position: relative;
  max-width: 520px;
  width: 100%;
  padding: 32px;
  background: #fff;
  border-radius: 8px;
  box-shadow: 0 24px 80px rgba(0, 0, 0, 0.24);
}

.close {
  position: absolute;
  top: 14px;
  right: 14px;
  border: 0;
  background: #eef5f8;
  border-radius: 50%;
  width: 34px;
  height: 34px;
}

footer {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  padding: 34px clamp(18px, 5vw, 72px);
  color: #dbeef6;
  background: #0d3a53;
}

footer a {
  margin-left: 18px;
}

@media (max-width: 920px) {
  .utility {
    display: none;
  }

  .menu-toggle {
    display: block;
    border: 1px solid var(--line);
    background: #fff;
    border-radius: 8px;
    padding: 10px 14px;
  }

  .nav-links {
    position: absolute;
    top: 72px;
    left: 18px;
    right: 18px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    padding: 18px;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 8px;
    box-shadow: 0 18px 40px rgba(16, 58, 80, 0.14);
  }

  .nav-links.open {
    display: flex;
  }

  .hero,
  .quick-panel,
  .calculator,
  .app-promo,
  .claim-hero,
  .claim-layout {
    grid-template-columns: 1fr;
  }

  .quick-grid,
  .rate-cards,
  .program-grid,
  .news-grid,
  .claim-grid,
  .claim-grid.five,
  .step-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .claim-sidebar {
    position: static;
  }
}

@media (max-width: 640px) {
  .brand {
    font-size: 16px;
  }

  .brand-mark {
    width: 54px;
  }

  .hero {
    min-height: auto;
    padding-top: 42px;
  }

  .hero-card {
    min-height: 420px;
  }

  .worker-badge {
    left: 0;
    right: auto;
  }

  .quick-grid,
  .rate-cards,
  .program-grid,
  .news-grid,
  .claim-grid,
  .claim-grid.five,
  .step-grid {
    grid-template-columns: 1fr;
  }

  footer {
    display: block;
  }

  footer a {
    display: inline-block;
    margin: 8px 16px 0 0;
  }
}