.page-hero{background:linear-gradient(120deg, var(--navy) 0%, #001a38 100%);padding:208px 0 84px;position:relative;overflow:hidden;}
.page-hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle, rgba(239,126,26,0.18), transparent 70%);}
.page-hero .eyebrow{color:var(--orange-light);margin-bottom:16px;}
.page-hero h1{font-family:var(--display);font-weight:700;font-size:clamp(30px,4.2vw,48px);color:#fff;line-height:1.15;max-width:820px;}
.page-hero p{color:rgba(255,255,255,0.78);font-size:16px;line-height:1.7;max-width:60ch;margin-top:18px;}

section.block{padding:96px 0;}
.procedure{background:var(--paper-2);}
.section-head{max-width:760px;margin:0 auto 46px;text-align:center;}
.section-head.left{margin:0 0 40px;text-align:left;max-width:680px;}
.section-head h2{font-family:var(--display);font-weight:700;font-size:clamp(26px,3.2vw,38px);margin-top:14px;color:var(--navy);line-height:1.18;}
.section-head p{color:var(--muted);font-size:15.5px;line-height:1.7;margin-top:14px;max-width:68ch;}
.section-head.center p{margin-left:auto;margin-right:auto;}
@media (max-width:600px){section.block{padding:64px 0;}.page-hero{padding:180px 0 56px;}}

/* BENEFIT CARDS */
.benefit-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.benefit-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:30px 26px;transition:transform .3s ease, box-shadow .3s ease;position:relative;overflow:hidden;}
.benefit-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);}
.benefit-pct{font-family:var(--display);font-weight:700;font-size:44px;color:var(--orange);line-height:1;}
.benefit-pct span{font-size:20px;vertical-align:top;margin-left:2px;}
.benefit-card h3{font-family:var(--display);font-weight:700;font-size:16.5px;color:var(--navy);margin:14px 0 12px;line-height:1.3;}
.benefit-card .label{font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:0.04em;color:var(--muted);margin-bottom:4px;}
.benefit-card p{font-size:13px;color:var(--muted);line-height:1.7;margin-bottom:14px;}
.benefit-card p:last-child{margin-bottom:0;}
@media (max-width:950px){.benefit-grid{grid-template-columns:1fr;}}

/* ELIGIBLE INSTITUTIONS */
.inst-list{display:flex;flex-wrap:wrap;gap:10px;}
.inst-pill{background:var(--navy-pale);color:var(--navy);font-size:12.5px;font-weight:700;padding:9px 16px;border-radius:999px;}

/* NOTES */
.note-list{max-width:820px;}
.note-item{display:flex;gap:14px;align-items:flex-start;padding:14px 0;border-bottom:1px solid var(--line);}
.note-item:last-child{border-bottom:none;}
.note-item .ic{width:26px;height:26px;border-radius:8px;background:var(--orange-pale);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px;}
.note-item .ic svg{width:13px;height:13px;stroke:var(--orange);}
.note-item p{font-size:13.5px;color:var(--muted);line-height:1.7;}

.disclaimer-box{background:var(--navy-pale);border-radius:18px;padding:26px 28px;margin-top:20px;}
.disclaimer-box h4{font-family:var(--display);font-weight:700;font-size:14.5px;color:var(--navy);margin-bottom:12px;}
.disclaimer-box ul{padding-left:18px;}
.disclaimer-box li{font-size:13px;color:var(--muted);line-height:1.75;margin-bottom:8px;}
.disclaimer-box li:last-child{margin-bottom:0;}

.cta-band{background:var(--navy);padding:86px 0;text-align:center;}
.cta-band h2{font-family:var(--display);font-weight:700;font-size:clamp(26px,3.2vw,36px);color:#fff;margin-top:14px;max-width:760px;margin-left:auto;margin-right:auto;line-height:1.28;}
.cta-band .sub{color:rgba(255,255,255,0.7);font-size:15px;margin-top:16px;max-width:60ch;margin-left:auto;margin-right:auto;}
.cta-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-top:30px;}