:root{
  --navy:#071D49;
  --red:#A6192E;
  --white:#FFFFFF;
  --light:#F7F8FA;
  --gray:#E8EAEE;
  --dark:#050E22;
  --text:#050E22;
  --muted:#071D49;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  background:#fff;
  color:var(--text);
  font-family:"IBM Plex Sans",Arial,sans-serif;
  font-size:16px;
  line-height:1.55;
}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%;height:auto}
.wrap{width:min(var(--max),calc(100% - 48px));margin:auto}
.eyebrow{
  margin:0 0 12px;
  color:var(--red);
  font-size:.76rem;
  line-height:1.2;
  font-weight:700;
  letter-spacing:.15em;
  text-transform:uppercase;
}
h1,h2,h3{
  margin:0;
  color:var(--navy);
  font-family:"IBM Plex Sans",Arial,sans-serif;
  font-weight:800;
  letter-spacing:-.035em;
}
h1{font-size:clamp(2.7rem,5vw,4.7rem);line-height:.98}
h2{font-size:clamp(2.05rem,3.6vw,3.4rem);line-height:1.02}
h3{font-size:1.08rem;line-height:1.2;letter-spacing:-.01em}
.red{color:var(--red)}
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:47px;
  padding:12px 23px;
  border:2px solid var(--red);
  background:var(--red);
  color:#fff;
  font:800 .82rem/1 "IBM Plex Sans",Arial,sans-serif;
  letter-spacing:.07em;
  text-transform:uppercase;
  cursor:pointer;
}
.btn:hover{background:#A6192E;border-color:#A6192E}
.small{font-size:.82rem;color:var(--muted)}

/* HERO */
.hero{
  padding:70px 0 63px;
  background:
    linear-gradient(90deg,rgba(247,248,250,.88),rgba(255,255,255,.32) 62%),
    #fff;
  border-bottom:1px solid var(--gray);
}
.hero-grid{
  display:grid;
  grid-template-columns:minmax(0,.9fr) minmax(470px,1.1fr);
  gap:50px;
  align-items:center;
}
.hero p{
  max-width:650px;
  margin:20px 0 0;
  font-size:1.08rem;
}
.hero .core-line{
  margin-top:21px;
  color:var(--navy);
  font-size:.98rem;
  font-weight:800;
  letter-spacing:.045em;
}
.hero .exchange{
  margin-top:18px;
  font-size:.98rem;
}
.hero .btn{margin-top:23px}
.hero-art img{
  width:100%;
  max-width:690px;
  margin-left:auto;
  object-fit:contain;
}

/* CORE */
.core{
  padding:65px 0 62px;
}
.core-head{
  max-width:760px;
  margin-bottom:30px;
}
.core-head p{
  margin:16px 0 0;
  font-size:1.05rem;
}
.core-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  border-top:1px solid var(--gray);
  border-left:1px solid var(--gray);
}
.core-item{
  min-height:178px;
  padding:22px 21px 20px;
  border-right:1px solid var(--gray);
  border-bottom:1px solid var(--gray);
  background:#fff;
}
.core-letter{
  display:inline-block;
  margin-bottom:8px;
  color:var(--red);
  font-size:1.4rem;
  font-weight:800;
}
.core-item p{margin:9px 0 0;font-size:.92rem;color:#071D49}
.flex-band{
  margin-top:26px;
  padding:19px 22px;
  border-left:4px solid var(--red);
  background:var(--light);
}
.flex-band strong{
  display:block;
  color:var(--navy);
  font-size:1rem;
  letter-spacing:.01em;
}
.flex-band p{margin:6px 0 0}

/* APPLICATION */
.apply{
  padding:67px 0 76px;
  background:var(--light);
  border-top:1px solid var(--gray);
}
.apply-grid{
  display:grid;
  grid-template-columns:minmax(300px,.7fr) minmax(0,1.3fr);
  gap:54px;
  align-items:start;
}
.apply-intro{
  position:sticky;
  top:24px;
}
.apply-intro p{
  max-width:430px;
  margin:18px 0 0;
}
.form{
  background:#fff;
  padding:36px;
  border-top:4px solid var(--navy);
  box-shadow:0 12px 34px rgba(7,29,73,.07);
}
.fields{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:18px;
}
.full{grid-column:1/-1}
.form-section{
  grid-column:1/-1;
  margin-top:7px;
  padding-top:20px;
  border-top:1px solid var(--gray);
}
.form-section:first-child{margin-top:0}
.form-section h3{
  font-size:.83rem;
  letter-spacing:.09em;
  text-transform:uppercase;
}
.form-section p{margin:5px 0 0}
label{
  display:block;
  margin-bottom:6px;
  color:var(--dark);
  font-size:.82rem;
  font-weight:700;
  letter-spacing:.025em;
}
input,textarea{
  width:100%;
  padding:12px;
  border:1px solid #cfd6df;
  border-radius:3px;
  background:#fff;
  color:var(--text);
  font:inherit;
}
textarea{resize:vertical}
input:focus,textarea:focus{
  outline:none;
  border-color:var(--navy);
  box-shadow:0 0 0 3px rgba(7,29,73,.08);
}
.check-label{margin:3px 0 8px}
.checks{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:8px 16px;
  padding:15px;
  border:1px solid var(--gray);
  background:#fbfcfd;
}
.checks label,.consent label{
  display:flex;
  gap:9px;
  align-items:flex-start;
  margin:0;
  font-weight:500;
  letter-spacing:0;
}
.checks input,.consent input{
  width:auto;
  flex:0 0 auto;
  margin-top:4px;
}
.terms{
  grid-column:1/-1;
  padding:18px 19px;
  background:var(--light);
  border-left:3px solid var(--navy);
}
.terms h3{
  font-size:.83rem;
  letter-spacing:.09em;
  text-transform:uppercase;
}
.terms p{margin:8px 0 13px;font-size:.86rem;color:#4d5b6e}
.consent{
  display:flex;
  gap:9px;
  align-items:flex-start;
}
.next-step{margin:12px 0 0}

@media(max-width:980px){
  .hero-grid,.apply-grid{grid-template-columns:1fr}
  .hero-art{order:-1}
  .hero-art img{max-width:650px;margin:auto}
  .apply-intro{position:static}
  .core-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:620px){
  .wrap{width:calc(100% - 30px)}
  .hero,.core,.apply{padding:52px 0}
  h1{font-size:clamp(2.4rem,12vw,3.25rem)}
  h2{font-size:clamp(1.95rem,10vw,2.7rem)}
  .core-grid,.fields,.checks{grid-template-columns:1fr}
  .core-item{min-height:0}
  .form{padding:27px 22px}
}