.benefits-strip {
  position: relative;
  overflow: hidden;
  padding: 56px 0;
  background: linear-gradient(125deg,
    #fff8f0 0%, #fdeee0 25%, #eaf1ff 65%, #dce8ff 100%
  );
  border-top: 1.5px solid rgba(249,115,22,.13);
  border-bottom: 1.5px solid rgba(59,130,246,.10);
}

.benefits-strip::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 45% 140% at 0% 50%, rgba(249,115,22,.13) 0%, transparent 60%),
    radial-gradient(ellipse 45% 140% at 100% 50%, rgba(59,130,246,.12) 0%, transparent 60%),
    radial-gradient(ellipse 40% 80% at 50% 100%, rgba(249,115,22,.06) 0%, transparent 60%);
  pointer-events: none;
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: 1px;
  background: rgba(249,115,22,.10);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1.5px solid rgba(249,115,22,.15);
  position: relative; z-index: 1;
}

.benefit-cell {
  background: rgba(255,255,255,.72);
  backdrop-filter: blur(8px);
  padding: 36px 24px;
  text-align: center;
  transition: background .3s, transform .3s;
  position: relative;
  overflow: hidden;
}

.benefit-cell::before {
  content: '';
  position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
  transform: scaleX(0);
  transition: transform .35s var(--ease);
}
.benefit-cell:nth-child(1)::before { background: linear-gradient(90deg, #ea580c, #fb923c); }
.benefit-cell:nth-child(2)::before { background: linear-gradient(90deg, #1d4ed8, #3b82f6); }
.benefit-cell:nth-child(3)::before { background: linear-gradient(90deg, #ea580c, #f97316); }
.benefit-cell:nth-child(4)::before { background: linear-gradient(90deg, #1d4ed8, #60a5fa); }

.benefit-cell:hover { background: rgba(255,255,255,.92); transform: translateY(-3px); }
.benefit-cell:hover::before { transform: scaleX(1); }

.benefit-ico { font-size: 1.8rem; margin-bottom: 12px; display: block; }

.benefit-n {
  font-family: var(--font-h);
  font-size: 1.8rem; font-weight: 800;
  line-height: 1; margin-bottom: 6px;
  letter-spacing: -.03em;
}
.benefit-cell:nth-child(odd) .benefit-n {
  background: linear-gradient(135deg, #c2440a, #f97316);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}
.benefit-cell:nth-child(even) .benefit-n {
  background: linear-gradient(135deg, #1d4ed8, #60a5fa);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}

.benefit-l {
  font-size: .72rem; font-weight: 600;
  letter-spacing: .08em; text-transform: uppercase;
  color: #64748b; margin-top: 6px; line-height: 1.5;
}

/* ── How it works ── */
.how-section { padding: 88px 0; background: #fff; }

.steps-row {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 28px; margin-top: 52px;
}

.step-card {
  background: var(--bg);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 30px 26px;
  position: relative; overflow: hidden;
  transition: all .35s var(--ease);
}
.step-card::before {
  content: ''; position: absolute;
  bottom: 0; left: 0; right: 0; height: 3px;
  transform: scaleX(0);
  transition: transform .35s var(--ease);
}
.step-card:nth-child(1)::before { background: linear-gradient(90deg, #ea580c, #fb923c); }
.step-card:nth-child(2)::before { background: linear-gradient(90deg, #1d4ed8, #3b82f6); }
.step-card:nth-child(3)::before { background: linear-gradient(90deg, #ea580c, #f97316); }
.step-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--indigo); }
.step-card:hover::before { transform: scaleX(1); }

.step-num {
  font-family: var(--font-h);
  font-size: 3.5rem; font-weight: 700; line-height: 1;
  background: linear-gradient(135deg, rgba(249,115,22,.2), rgba(59,130,246,.2));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
  margin-bottom: 16px;
}
.step-title { font-size: 1rem; font-weight: 700; color: var(--text); margin-bottom: 8px; }
.step-desc  { font-size: .84rem; color: var(--text-3); line-height: 1.7; }

/* ── Application Form ── */
.form-section { padding: 88px 0 120px; background: var(--bg); }

.form-layout {
  display: grid;
  grid-template-columns: 340px 1fr;
  gap: 48px; align-items: start;
}

.form-info { position: sticky; top: 96px; }

.form-info-card {
  background: #fff;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 32px 28px;
  box-shadow: var(--shadow-md);
  overflow: hidden; position: relative;
}
.form-info-card::before {
  content: ''; position: absolute;
  top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, #ea580c, #fb923c, #3b82f6);
}

.fi-title { font-family: var(--font-h); font-size: 1.25rem; font-weight: 600; color: var(--text); margin-bottom: 6px; margin-top: 12px; }
.fi-sub   { font-size: .83rem; color: var(--text-3); line-height: 1.65; margin-bottom: 24px; }
.fi-list  { display: flex; flex-direction: column; gap: 12px; margin-bottom: 28px; }
.fi-item  { display: flex; align-items: flex-start; gap: 10px; }
.fi-ico   { width: 28px; height: 28px; border-radius: 8px; background: rgba(249,115,22,.12); color: #c2440a; display: flex; align-items: center; justify-content: center; font-size: .72rem; flex-shrink: 0; margin-top: 1px; }
.fi-txt   { font-size: .83rem; color: var(--text-2); line-height: 1.5; font-weight: 500; }

.fi-note {
  background: rgba(59,130,246,.07);
  border: 1px solid rgba(59,130,246,.2);
  border-radius: var(--radius);
  padding: 14px 16px;
  font-size: .8rem; color: #1d4ed8;
  display: flex; gap: 8px; align-items: flex-start;
}
.fi-note i { margin-top: 2px; flex-shrink: 0; }

/* Form box */
.form-box {
  background: #fff;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 40px 36px;
  box-shadow: var(--shadow-md);
  position: relative; overflow: hidden;
}
.form-box::before {
  content: ''; position: absolute;
  top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, #ea580c, #fb923c, #3b82f6);
}

.form-box-title { font-family: var(--font-h); font-size: 1.5rem; font-weight: 600; color: var(--text); margin-bottom: 4px; margin-top: 8px; }
.form-box-sub   { font-size: .85rem; color: var(--text-3); margin-bottom: 32px; }

/* Form fields */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group.full { grid-column: span 2; }

.form-label {
  font-size: .72rem; font-weight: 700;
  letter-spacing: .07em; text-transform: uppercase;
  color: var(--text-3);
  display: flex; align-items: center; gap: 6px;
}
.form-label .req { color: #ea580c; }
.form-label .label-badge {
  font-size: .62rem; padding: 2px 7px; border-radius: 100px;
  background: rgba(249,115,22,.12); color: #c2440a;
  font-weight: 700; letter-spacing: .04em; text-transform: uppercase;
}

.form-input, .form-select, .form-textarea {
  padding: 12px 16px;
  background: var(--bg);
  border: 1.5px solid var(--border-2);
  border-radius: var(--radius);
  font-family: var(--font-b); font-size: .9rem;
  color: var(--text); outline: none;
  transition: all .25s var(--ease);
  width: 100%; appearance: none;
}
.form-input::placeholder, .form-textarea::placeholder { color: var(--text-4); }
.form-input:focus, .form-select:focus, .form-textarea:focus {
  border-color: #3b82f6;
  background: #fff;
  box-shadow: 0 0 0 3px rgba(59,130,246,.12);
}
.form-input:focus:valid { border-color: #22c55e; box-shadow: 0 0 0 3px rgba(34,197,94,.1); }
.form-select {
  cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%238fa3c0' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center;
  padding-right: 40px;
}
.form-textarea { resize: vertical; min-height: 110px; line-height: 1.6; }

/* File upload */
.file-upload-wrapper { position: relative; }
.file-upload-input   { position: absolute; inset: 0; opacity: 0; cursor: pointer; z-index: 2; }
.file-upload-ui {
  display: flex; align-items: center; gap: 14px;
  padding: 14px 18px;
  background: var(--bg);
  border: 1.5px dashed var(--border-2);
  border-radius: var(--radius); cursor: pointer;
  transition: all .25s var(--ease);
}
.file-upload-wrapper:hover .file-upload-ui,
.file-upload-wrapper:focus-within .file-upload-ui {
  border-color: #3b82f6;
  background: rgba(59,130,246,.05);
  box-shadow: 0 0 0 3px rgba(59,130,246,.10);
}
.file-ico      { width: 38px; height: 38px; border-radius: 10px; background: rgba(249,115,22,.12); color: #c2440a; display: flex; align-items: center; justify-content: center; font-size: .9rem; flex-shrink: 0; }
.file-txt-main { font-size: .88rem; font-weight: 600; color: var(--text-2); margin-bottom: 2px; }
.file-txt-sub  { font-size: .74rem; color: var(--text-4); }
#file-name-display { font-size: .78rem; color: #1d4ed8; font-weight: 600; margin-top: 6px; display: none; padding-left: 4px; }

/* Input with icon */
.input-with-icon { position: relative; }
.input-with-icon .form-input { padding-left: 44px; }
.input-icon { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--text-4); font-size: .9rem; pointer-events: none; transition: color .25s; }
.input-with-icon:focus-within .input-icon { color: #1d4ed8; }

/* Dividers */
.form-divider        { grid-column: span 2; height: 1px; background: var(--border); margin: 4px 0; }
.form-section-label  { grid-column: span 2; font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--text-4); display: flex; align-items: center; gap: 10px; }
.form-section-label::after { content: ''; flex: 1; height: 1px; background: var(--border); }

/* Submit row */
.form-submit-row { grid-column: span 2; display: flex; align-items: center; gap: 16px; margin-top: 8px; flex-wrap: wrap; position: relative; z-index: 9999; margin-bottom: 40px; }
.form-submit-row .btn-primary { padding: 16px 44px; font-size: .95rem; border-radius: 100px; background: linear-gradient(135deg, #ea580c, #f97316); border: none; color: #fff; box-shadow: 0 4px 16px rgba(234,88,12,.3); transition: transform .22s, box-shadow .22s; }
.form-submit-row .btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(234,88,12,.4); }
.form-submit-note { font-size: .78rem; color: var(--text-4); line-height: 1.5; }

.success-msg {
  background: rgba(59,130,246,.08);
  border: 1px solid rgba(59,130,246,.2);
  color: #1d4ed8;
  padding: 12px 16px;
  border-radius: 8px;
  margin-bottom: 15px;
  font-weight: 500;
}

/* ── Page Hero ── */
.page-hero {
  padding: 140px 0 80px;
  background: linear-gradient(160deg, #e8f0fe 0%, #f4f6fb 50%, #fff7ed 100%);
  position: relative; overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(59,130,246,.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(59,130,246,.05) 1px, transparent 1px);
  background-size: 56px 56px;
}

.ph-blob { position: absolute; border-radius: 50%; filter: blur(80px); pointer-events: none; animation: blobFloat 12s ease-in-out infinite; }
.ph-blob-1 { width: 440px; height: 440px; top: -120px; right: -80px; background: rgba(59,130,246,.12); }
.ph-blob-2 { width: 320px; height: 320px; bottom: -80px; left: -60px; background: rgba(249,115,22,.09); animation-delay: -6s; }
@keyframes blobFloat { 0%,100%{transform:translate(0,0) scale(1)} 33%{transform:translate(16px,-24px) scale(1.03)} 66%{transform:translate(-12px,16px) scale(.97)} }

.page-hero-inner { display: grid; grid-template-columns: 1fr 420px; gap: 64px; align-items: center; position: relative; z-index: 1; }

.ph-tag { display: inline-flex; align-items: center; gap: 8px; padding: 6px 14px 6px 8px; border-radius: 100px; background: #fff; border: 1.5px solid rgba(249,115,22,.3); box-shadow: var(--shadow); font-size: .78rem; font-weight: 600; color: #c2440a; margin-bottom: 22px; width: fit-content; }
.ph-tag-dot { width: 22px; height: 22px; border-radius: 50%; background: rgba(249,115,22,.12); display: flex; align-items: center; justify-content: center; font-size: .75rem; }

.ph-h { font-family: var(--font-h); font-size: clamp(2.8rem, 5vw, 4.4rem); font-weight: 300; line-height: 1.06; letter-spacing: -.025em; color: var(--text); margin-bottom: 20px; }
.ph-h strong { font-weight: 700; display: block; }
.ph-h em {
  font-style: italic;
  background: linear-gradient(135deg, #ea580c, #3b82f6);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}

.ph-sub { font-size: 1.05rem; color: var(--text-3); line-height: 1.8; max-width: 480px; margin-bottom: 36px; }
.ph-chips { display: flex; flex-wrap: wrap; gap: 10px; }
.ph-chip { display: flex; align-items: center; gap: 7px; padding: 8px 16px; border-radius: 100px; background: #fff; border: 1px solid var(--border); box-shadow: var(--shadow); font-size: .8rem; font-weight: 500; color: var(--text-2); transition: all .25s var(--ease); }
.ph-chip:hover { border-color: #3b82f6; color: #1d4ed8; transform: translateY(-2px); }
.ph-chip i { font-size: .8rem; color: #ea580c; }

/* Stats card */
.ph-stats-card { background: #fff; border-radius: var(--radius-xl); border: 1px solid var(--border); box-shadow: var(--shadow-lg); overflow: hidden; }
.ph-card-top { height: 4px; background: linear-gradient(90deg, #ea580c, #fb923c, #3b82f6); background-size: 200%; animation: gradShift 4s ease infinite; }
@keyframes gradShift { 0%{background-position:0%} 100%{background-position:200%} }

.ph-card-body { padding: 28px 26px; }
.ph-card-label { font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: #c2440a; margin-bottom: 18px; display: flex; align-items: center; gap: 6px; }
.ph-card-label span { width: 7px; height: 7px; border-radius: 50%; background: #f97316; animation: blink 2s infinite; display: inline-block; }

.ph-stat-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 20px; }
.ph-stat { background: var(--bg); border-radius: var(--radius); padding: 18px 16px; text-align: center; border: 1px solid var(--border); }
.ph-stat-n {
  font-family: var(--font-h); font-size: 1.8rem; font-weight: 600; line-height: 1;
  background: linear-gradient(135deg, #ea580c, #3b82f6);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
  margin-bottom: 4px;
}
.ph-stat-l { font-size: .72rem; color: var(--text-4); font-weight: 500; }

.ph-perks { display: flex; flex-direction: column; gap: 10px; padding-top: 18px; border-top: 1px solid var(--border); }
.ph-perk  { display: flex; align-items: center; gap: 10px; font-size: .83rem; color: var(--text-2); font-weight: 500; }
.ph-perk-ico { width: 30px; height: 30px; border-radius: 8px; background: rgba(249,115,22,.12); color: #c2440a; display: flex; align-items: center; justify-content: center; font-size: .78rem; flex-shrink: 0; }

/* ── Responsive ── */
@media (max-width: 1024px) {
  .page-hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .ph-stats-card   { max-width: 460px; }
  .form-layout     { grid-template-columns: 1fr; }
  .form-info       { position: static; }
  .benefits-grid   { grid-template-columns: 1fr 1fr; }
  .steps-row       { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .nav-links, .nav-right { display: none; }
  .nav-hamburger         { display: flex; }
  .page-hero             { padding: 100px 0 60px; }
  .form-grid             { grid-template-columns: 1fr; }
  .form-group.full       { grid-column: span 1; }
  .form-divider, .form-section-label { grid-column: span 1; }
  .form-submit-row       { grid-column: span 1; flex-direction: column; align-items: stretch; }
  .form-submit-row .btn-primary { width: 100%; }
  .steps-row             { grid-template-columns: 1fr; }
  .benefits-grid         { grid-template-columns: 1fr 1fr; }
  .form-box              { padding: 28px 20px; }
}