*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Plus Jakarta Sans',system-ui,sans-serif;color:#111827;background:#fff;overflow-x:hidden;-webkit-font-smoothing:antialiased}
a{text-decoration:none;color:inherit}
img{display:block;max-width:100%;object-fit:cover}
:root{
  --b:#2563EB;--bd:#1D4ED8;--bl:#EFF6FF;--bm:#BFDBFE;--bh:#93C5FD;--bx:#1E40AF;
  --gold:#F5B731;--gd:#D4981B;
  --green:#059669;--glt:#ECFDF5;--gm:#34D399;
  --navy:#07031A;--navy2:#120727;--navy3:#1d0a48;
  --border:#E5E7EB;--muted:#6B7280;--muted2:#9CA3AF;
  --surface:#F9FAFB;--r:12px;--r2:20px;
}

/* ── FEATURE CARDS ───────────────────────────────────── */
.fc{background:#fff;border:1.5px solid var(--border);border-radius:var(--r2);padding:22px;transition:.22s}
.fc:hover{border-color:var(--bm);box-shadow:0 8px 30px rgba(37,99,235,.08);transform:translateY(-3px)}
.fc-ico{font-size:36px;margin-bottom:12px}
.fc-h{font-size:15px;font-weight:800;color:#111;margin-bottom:6px;letter-spacing:-.3px}
.fc-p{font-size:13.5px;color:var(--muted);line-height:1.68}

/* ── SIDEBAR ───────────────────────────────────────── */
.ol-sb{display:flex;flex-direction:column;gap:16px;position:sticky;top:80px;align-self:start}
.ff{margin-bottom:10px}
.fl{font-size:11.5px;font-weight:700;color:#374151;margin-bottom:3px;display:block}
.fi,.fs{width:100%;padding:11px 13px;border:1.5px solid var(--border);border-radius:9px;font-size:14px;font-family:inherit;color:#111;outline:none;transition:.15s;background:#fff}
.fi:focus,.fs:focus{border-color:var(--b);box-shadow:0 0 0 3px rgba(37,99,235,.09)}
.fs{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath fill='%236B7280' d='M4 6l4 4 4-4'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 10px center;background-size:13px;padding-right:28px}

/* ── LAYOUT ───────────────────────────────────────────── */
.ol-layout{display:grid;grid-template-columns:1fr 340px;gap:48px;align-items:start}
.g2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.g4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
@media(max-width:960px){.ol-layout{grid-template-columns:1fr}.ol-sb{position:static}}
@media(max-width:900px){.g3{grid-template-columns:1fr 1fr}.g4{grid-template-columns:1fr 1fr}}
@media(max-width:540px){.g3,.g2,.g4{grid-template-columns:1fr}}

/* ── CONTENT BLOCK SPACING ──────────────────────────── */
.iaf-block{margin-bottom:52px}

/* ── HERO ───────────────────────────────────────────── */
.iaf-hero,.hero{background:linear-gradient(118deg,#030711 0%,#07112b 50%,#0d1c45 100%);padding:56px 5% 52px;position:relative;overflow:hidden}
.iaf-hero::before,.hero::before{content:'';position:absolute;top:-120px;right:-80px;width:600px;height:600px;border-radius:50%;background:radial-gradient(circle,rgba(37,99,235,.18),transparent 65%);pointer-events:none}
.iaf-hero::after,.hero::after{content:'';position:absolute;bottom:-80px;left:-40px;width:400px;height:400px;border-radius:50%;background:radial-gradient(circle,rgba(37,99,235,.1),transparent 65%);pointer-events:none}
.iaf-hero-cx,.hero-cx{max-width:1280px;margin:0 auto;position:relative;z-index:1;grid-template-columns:1fr;align-items:center}
.iaf-hero-tag,.hero-tag{display:inline-flex;align-items:center;gap:6px;background:rgba(147,197,253,.12);border:1px solid rgba(147,197,253,.25);color:var(--bh);border-radius:999px;padding:5px 14px;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;margin-bottom:16px}
.iaf-hero h1,.hero h1{font-size:clamp(30px,4.5vw,56px);font-weight:900;color:#fff;line-height:1.04;letter-spacing:-2.5px;margin-bottom:14px}
.iaf-hl,.hl-b{background:linear-gradient(135deg,var(--bh),#BFDBFE);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.iaf-hero-sub,.hero-sub{font-size:16.5px;color:rgba(255,255,255,.52);line-height:1.75;margin-bottom:20px;max-width:580px}
.iaf-hero-sub b,.hero-sub b{color:rgba(255,255,255,.88)}
.iaf-hero-pills,.hero-pills{display:flex;flex-wrap:wrap;gap:7px;margin-bottom:24px}
.iaf-pill,.pill{display:inline-flex;align-items:center;gap:4px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.1);border-radius:999px;padding:5px 13px;font-size:12px;font-weight:600;color:rgba(255,255,255,.72)}
.iaf-pill::before,.pill::before{content:'✓';color:var(--gm);font-weight:900;font-size:9px}
.iaf-hero-btns,.hero-btns{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}
.hero-b{background:linear-gradient(118deg,var(--navy) 0%,var(--navy2) 50%,var(--navy3) 100%)}

/* ── BUTTONS ─────────────────────────────────────────── */
.iaf-btn,.btn{display:inline-flex;align-items:center;gap:6px;font-size:14px;font-weight:800;padding:12px 22px;border-radius:10px;border:none;cursor:pointer;font-family:inherit;transition:.18s;letter-spacing:-.2px;white-space:nowrap}
.iaf-btn.lg,.btn.lg{font-size:16px;padding:14px 28px;border-radius:12px}
.iaf-btn-b,.btn-b{background:var(--b);color:#fff;box-shadow:0 4px 14px rgba(37,99,235,.3)}
.iaf-btn-b:hover,.btn-b:hover{background:var(--bd);transform:translateY(-1px)}
.iaf-btn-bd,.btn-bd{background:var(--bd);color:#fff}
.iaf-btn-gold,.btn-gold{background:var(--gold);color:#111;box-shadow:0 4px 12px rgba(245,183,49,.3)}
.iaf-btn-gold:hover,.btn-gold:hover{background:var(--gd);transform:translateY(-1px)}
.iaf-btn-out,.btn-out{background:#fff;color:var(--b);border:2px solid var(--bm)}
.iaf-btn-out:hover,.btn-out:hover{background:var(--bl)}
.iaf-btn-wh,.btn-wh{background:rgba(255,255,255,.1);color:#fff;border:1.5px solid rgba(255,255,255,.2)}
.iaf-btn-wh:hover,.btn-wh:hover{background:rgba(255,255,255,.18)}
.iaf-btn-green,.btn-green{background:var(--green);color:#fff;box-shadow:0 4px 12px rgba(5,150,105,.28)}
.iaf-btn-green:hover,.btn-green:hover{background:#047857;transform:translateY(-1px)}
.iaf-btn-surface,.btn-surface{background:var(--surface);color:#111;border:1.5px solid var(--border)}

/* ── INLINE CTA ───────────────────────────────────────── */
.icta{border-radius:var(--r2);padding:26px 30px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;margin:44px 0}
.icta.purple{background:linear-gradient(135deg,var(--bl),#ede9fe);border:1.5px solid var(--bm)}
.icta.dark{background:linear-gradient(135deg,var(--navy),var(--navy2));border:1px solid rgba(147,197,253,.2)}
.icta.gold{background:linear-gradient(135deg,#FFFBEB,#FEF3C7);border:1.5px solid #FDE68A}
.icta h3{font-size:17px;font-weight:800;letter-spacing:-.4px;margin-bottom:4px}
.icta.purple h3,.icta.gold h3{color:#111}
.icta.dark h3{color:#fff}
.icta p{font-size:14px}
.icta.purple p,.icta.gold p{color:var(--muted)}
.icta.dark p{color:rgba(255,255,255,.46)}

/* ── TRUST STRIP ────────────────────────────────────── */
.iaf-ts,.ts{background:linear-gradient(135deg,var(--navy),var(--navy2));padding:22px 5%}
.iaf-ts-cx,.ts-cx{max-width:1280px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr)}
.iaf-tc,.tc{text-align:center;padding:4px 16px;border-right:1px solid rgba(255,255,255,.1)}
.iaf-tc:last-child,.tc:last-child{border-right:none}
.iaf-tc-n,.tc-n{font-size:clamp(26px,4vw,42px);font-weight:900;color:#fff;letter-spacing:-2px;line-height:1;margin-bottom:3px}
.iaf-tc-n em,.tc-n em{font-style:normal;color:var(--bh)}
.iaf-tc-l,.tc-l{font-size:12px;color:rgba(255,255,255,.4);font-weight:500}
@media(max-width:640px){.iaf-ts-cx,.ts-cx{grid-template-columns:1fr 1fr;gap:16px}.iaf-tc,.tc{border-right:none}}

/* ── SECTIONS ─────────────────────────────────────────── */
.iaf-sec,.sec{padding:72px 5%}
.iaf-sec.dark,.sec.dark{background:var(--navy);color:#fff}
.iaf-cx,.cx{max-width:1280px;margin:0 auto}
.iaf-stag,.stag{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.14em;color:var(--b);display:block;margin-bottom:7px}
.iaf-stag.lt,.stag.lt{color:var(--bh)}
.stag-b{background:rgba(147,197,253,.12);border:1px solid rgba(147,197,253,.25);color:var(--bh);display:inline-block;padding:4px 12px;border-radius:999px;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;margin-bottom:7px}
.iaf-sh,.sh{font-size:clamp(24px,3.5vw,40px);font-weight:800;color:#111;line-height:1.08;letter-spacing:-1.5px}
.iaf-sh.lt,.sh.lt{color:#fff}
.iaf-sh-p,.sh-p{font-size:16px;color:var(--muted);line-height:1.78;margin-top:8px;max-width:700px}

/* ── FEE TABLES ─────────────────────────────────────── */
.iaf-fee-tbl,.fee-tbl{width:100%;border-collapse:collapse;border-radius:var(--r2);overflow:hidden;border:1.5px solid var(--border);background:#fff}
.iaf-fee-tbl th,.fee-tbl th{background:#07112b;color:#fff;padding:12px 16px;font-size:12.5px;font-weight:700;text-align:left;border-bottom:1.5px solid var(--border)}
.iaf-fee-tbl th:not(:first-child),.fee-tbl th:not(:first-child){text-align:center}
.iaf-fee-tbl td,.fee-tbl td{padding:11px 16px;font-size:13.5px;border-bottom:1px solid var(--border);color:#374151;vertical-align:top;line-height:1.65}
.iaf-fee-tbl td:not(:first-child),.fee-tbl td:not(:first-child){text-align:center}
.iaf-fee-tbl td:first-child,.fee-tbl td:first-child{font-weight:600;color:#111}
.iaf-fee-tbl tr:last-child td,.fee-tbl tr:last-child td{border-bottom:none}
.iaf-fee-tbl tr:nth-child(even),.fee-tbl tr:nth-child(even){background:var(--bl)}
.iaf-fee-tbl .iaf-hi,.fee-tbl .hi{background:rgba(37,99,235,.07);font-weight:700}
.iaf-fee-tbl .iaf-hi td,.fee-tbl .hi td{color:var(--bx)}
.iaf-fee-n,.fee-n{font-size:16px;font-weight:900;color:var(--b)}

/* ── STEPS ───────────────────────────────────────────── */
.iaf-steps-col{display:flex;flex-direction:column;gap:12px}
.iaf-step-row,.step{display:flex;gap:16px;align-items:flex-start;background:#fff;border:1.5px solid var(--border);border-radius:var(--r2);padding:20px 22px;transition:.15s}
.iaf-step-row:hover,.step:hover{border-color:var(--bm);box-shadow:0 4px 16px rgba(37,99,235,.06)}
.iaf-step-num,.step-n{width:42px;height:42px;border-radius:50%;background:var(--b);color:#fff;display:grid;place-items:center;font-size:17px;font-weight:900;flex-shrink:0;box-shadow:0 4px 14px rgba(37,99,235,.3)}
.iaf-step-h,.step-h{font-size:15px;font-weight:800;color:#111;margin-bottom:5px;letter-spacing:-.3px}
.iaf-step-p,.step-p{font-size:13.5px;color:var(--muted);line-height:1.72}
.step-tip{background:var(--bl);border:1.5px solid var(--bm);border-radius:var(--r);padding:10px 14px;font-size:12.5px;color:var(--bx);margin-top:10px;line-height:1.6}

/* ── PAYMENT GRID ───────────────────────────────────── */
.iaf-pay-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.iaf-pay-item{background:#fff;border:1.5px solid var(--border);border-radius:var(--r2);padding:18px;display:flex;gap:12px;align-items:flex-start;transition:.15s}
.iaf-pay-item:hover{border-color:var(--bm)}
.iaf-pay-ico{font-size:28px;flex-shrink:0}
.iaf-pay-h{font-size:14px;font-weight:700;color:#111;margin-bottom:3px}
.iaf-pay-p{font-size:13px;color:var(--muted);line-height:1.6}

/* ── PAYMENT TABS ─────────────────────────────────── */
.pay-tabs{display:flex;gap:8px;margin-bottom:16px}
.ptab{padding:10px 18px;border-radius:10px;border:1.5px solid var(--border);background:#fff;font-size:13px;font-weight:700;color:var(--muted);cursor:pointer;transition:.15s}
.ptab:hover{color:var(--b);border-color:var(--bm)}
.ptab.on{background:var(--b);color:#fff;border-color:var(--b)}

/* ── TIPS GRID ──────────────────────────────────────── */
.iaf-tips-g{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.iaf-tip{background:#fff;border:1.5px solid var(--border);border-radius:var(--r2);padding:18px;display:flex;gap:12px;align-items:flex-start;transition:.15s}
.iaf-tip:hover{border-color:var(--bm);transform:translateY(-2px)}
.iaf-tip-n{width:32px;height:32px;border-radius:50%;background:var(--bl);border:1.5px solid var(--bm);color:var(--b);font-size:14px;font-weight:900;display:grid;place-items:center;flex-shrink:0}
.iaf-tip-h{font-size:14px;font-weight:700;color:#111;margin-bottom:3px}
.iaf-tip-p{font-size:13px;color:var(--muted);line-height:1.65}

/* ── ALERT BOXES ───────────────────────────────────── */
.iaf-pol-b,.pol-b{background:var(--bl);border:1.5px solid var(--bm);border-radius:var(--r);padding:13px 16px;font-size:14px;color:var(--bx);line-height:1.75}
.iaf-pol-a,.pol-a{background:#FFFBEB;border:1.5px solid #FDE68A;border-radius:var(--r);padding:13px 16px;font-size:14px;color:#92400E;line-height:1.75}

/* ── FAQ ────────────────────────────────────────────── */
.iaf-fwrap{display:flex;flex-direction:column;gap:8px}
.iaf-fi-item{border:1.5px solid var(--border);border-radius:var(--r);background:#fff;overflow:hidden}
.iaf-fi-item.open{border-color:var(--bm)}
.iaf-fi-btn{width:100%;display:flex;align-items:center;justify-content:space-between;padding:15px 18px;background:none;border:none;cursor:pointer;font-family:inherit;font-size:14.5px;font-weight:600;color:#111;text-align:left;gap:12px}
.iaf-fi-btn:hover,.iaf-fi-item.open .iaf-fi-btn{color:var(--b)}
.iaf-fi-ic{width:24px;height:24px;border-radius:50%;background:var(--surface);border:1.5px solid var(--border);display:grid;place-items:center;flex-shrink:0;font-size:14px;font-style:normal;color:var(--muted);transition:.2s}
.iaf-fi-item.open .iaf-fi-ic{background:var(--bl);border-color:var(--bm);color:var(--b);transform:rotate(45deg)}
.iaf-fi-ans{display:none;padding:0 18px 15px;font-size:14px;color:var(--muted);line-height:1.8}
.iaf-fi-item.open .iaf-fi-ans{display:block}
.iaf-fi-ans a{color:var(--b);font-weight:700}

/* ── FADE UP ───────────────────────────────────────── */
.iaf-fu{opacity:0;transform:translateY(14px);transition:opacity .44s ease,transform .44s ease}
.iaf-fu.in{opacity:1;transform:none}

/* ── BREADCRUMB ─────────────────────────────────────── */
.iaf-bc{background:var(--surface);border-bottom:1px solid var(--border);padding:9px 5%}
.iaf-bc-cx{max-width:1280px;margin:0 auto;display:flex;align-items:center;gap:5px;font-size:12px;color:var(--muted);flex-wrap:wrap}
.iaf-bc-cx a{color:var(--b);font-weight:600}
.iaf-bc-cx a:hover{text-decoration:underline}

/* ── XNAV (sub navigation tabs) ─────────────────────── */
.iaf-xnav{background:#fff;border-bottom:1px solid var(--border);overflow-x:auto;padding:0 5%}
.iaf-xnav-cx{max-width:1280px;margin:0 auto;display:flex;white-space:nowrap}
.iaf-xn{display:flex;align-items:center;gap:6px;font-size:13px;font-weight:700;color:var(--muted);padding:13px 18px;border-bottom:3px solid transparent;margin-bottom:-1px;transition:.15s}
.iaf-xn:hover{color:var(--b)}
.iaf-xn.on{color:var(--b);border-bottom-color:var(--b)}

/* ── PAYMENT TAB PANELS ─────────────────────────────── */
.ppanel{display:none}
.ppanel.on{display:block}
.iaf-pay-item.warn{border-color:#FECACA;background:#FEF2F2}
.iaf-pay-item.warn .iaf-pay-h{color:#991B1B}

/* ── WHAT'S INCLUDED ─────────────────────────────────── */
.iaf-included-item{background:#fff;border:1.5px solid var(--border);border-radius:var(--r2);padding:18px 20px;display:flex;gap:12px;align-items:flex-start}
.iaf-included-item.hi{border-color:var(--bm)}
.iaf-included-ico{color:var(--b);font-weight:900;font-size:17px;flex-shrink:0;margin-top:1px}
.iaf-included-p{color:var(--muted);font-size:13.5px}
.iaf-pol-g,.pol-g{background:#ECFDF5;border:1.5px solid #A7F3D0;border-radius:var(--r);padding:13px 16px;font-size:14px;color:#065F46;line-height:1.75}

/* ── COST CARDS (additional costs) ──────────────────── */
.iaf-cost-g{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.iaf-cost-card{background:#fff;border:1.5px solid var(--border);border-radius:var(--r2);padding:24px;transition:.2s}
.iaf-cost-card:hover{border-color:var(--bm);box-shadow:0 6px 20px rgba(37,99,235,.07);transform:translateY(-2px)}
.iaf-cost-ico{font-size:36px;margin-bottom:12px}
.iaf-cost-price{font-size:32px;font-weight:900;color:var(--b);letter-spacing:-1.5px;margin-bottom:4px}
.iaf-cost-h{font-size:15px;font-weight:800;color:#111;margin-bottom:8px;letter-spacing:-.3px}
.iaf-cost-p{font-size:13.5px;color:var(--muted);line-height:1.72}

/* ── SCORE VALIDITY STAT CARDS ──────────────────────── */
.iaf-stat-g{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.iaf-stat-card{background:#fff;border-radius:var(--r2);padding:22px;border:2px solid var(--border)}
.iaf-stat-card.iaf-stat-green{border-color:var(--green)}
.iaf-stat-card.iaf-stat-blue{border-color:var(--bm)}
.iaf-stat-n{font-size:40px;font-weight:900;letter-spacing:-2px;margin-bottom:8px}
.iaf-stat-green .iaf-stat-n{color:var(--green)}
.iaf-stat-blue .iaf-stat-n{color:var(--b)}
.iaf-stat-l{font-size:14px;font-weight:800;color:#111;margin-bottom:6px}
.iaf-stat-p{font-size:13.5px;color:var(--muted);line-height:1.7}

/* ── HOW WE HELP — PROGRAM GRID ─────────────────────── */
.iaf-prog-g{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.iaf-prog-item{display:flex;gap:10px;align-items:flex-start;background:#fff;border:1.5px solid var(--border);border-radius:var(--r);padding:15px;font-size:13.5px;color:#374151;line-height:1.65;transition:.15s}
.iaf-prog-item:hover{border-color:var(--bm)}
.iaf-prog-item::before{content:'✓';color:var(--b);font-weight:900;flex-shrink:0;margin-top:2px;font-size:15px}

/* ── RESPONSIVE ───────────────────────────────────── */
@media(max-width:960px){
  .iaf-pay-grid,.iaf-tips-g,.iaf-cost-g,.iaf-stat-g,.iaf-prog-g{grid-template-columns:1fr}
}
@media(max-width:640px){
  .iaf-ts-cx{grid-template-columns:1fr 1fr;gap:16px}
  .iaf-tc{border-right:none}
}