*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,sans-serif;color:#111;background:#fff}
.wrap{width:min(1180px,calc(100% - 34px));margin:auto}a{text-decoration:none;color:inherit}
.approved-screen{width:100%;margin:0;overflow:hidden;background:#fff}
.approved-screen img{display:block;width:100%;height:auto;margin:0}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,sans-serif;color:#111;background:#fff}.wrap{width:min(1180px,calc(100% - 34px));margin:auto}a{text-decoration:none;color:inherit}header{height:68px;position:sticky;top:0;z-index:10;background:rgba(255,255,255,.96);border-bottom:1px solid #eee}.nav{height:100%;display:flex;align-items:center;gap:38px}.brand{display:flex;align-items:center;gap:9px;font-size:21px}.brandmark{font-size:27px;font-weight:900}.nav nav{display:flex;gap:28px;margin-left:25px;font-size:14px}.nav .small{margin-left:auto}.yellow{background:#ffcc00;border:0;border-radius:10px;padding:14px 22px;font-weight:800;cursor:pointer}.hero{background:linear-gradient(110deg,#fff 0%,#fff 48%,#f5f5f5 100%);padding:42px 0 12px}.hero-grid{display:grid;grid-template-columns:1fr 390px;gap:70px;align-items:start}.eyebrow{font-size:12px;font-weight:800;letter-spacing:1.5px;margin-bottom:18px}.hero h1{font-size:58px;line-height:.99;letter-spacing:-3px;margin:0 0 22px}.hero h1 span,.title h2 span{color:#f5b900}.lead{font-size:20px;line-height:1.45;margin-bottom:38px}.features{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.features div{display:grid;grid-template-columns:45px 1fr}.features i,.benefit-grid i{width:42px;height:42px;display:grid;place-items:center;background:#fff3bd;border-radius:12px;font-style:normal;font-size:22px;font-weight:900;color:#e9ad00}.features b{font-size:15px}.features small{grid-column:2;color:#777;margin-top:6px;line-height:1.35}.application{background:#fff;border:1px solid #eee;border-radius:22px;padding:28px;box-shadow:0 18px 50px rgba(0,0,0,.1)}.application h2{font-size:29px;margin:0 0 5px}.application>p{color:#666;line-height:1.4;margin:0 0 20px}.application input{display:block;width:100%;padding:14px 15px;border:1px solid #ddd;border-radius:9px;margin-bottom:10px;font-size:15px}.application button{width:100%;font-size:15px}.or{text-align:center;color:#777;font-size:13px;margin:17px 0 12px}.messenger{display:block;text-align:center;color:#fff;padding:13px;border-radius:9px;font-weight:800;margin-top:9px}.tg{background:#159bd7}.wa{background:#18b965}.privacy{display:block;text-align:center;color:#999;margin-top:15px}#success{display:none;background:#eef8db;padding:10px;border-radius:8px;font-size:12px;margin-top:12px}.how{padding:30px 0 38px;background:#fafafa}.title h2,.faq h2{font-size:40px;letter-spacing:-1.5px;margin:0}.title p{color:#666;margin-top:6px}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:15px;margin-top:30px}.steps article{display:flex;gap:14px;background:#fff;border-radius:15px;padding:18px}.steps strong{flex:0 0 38px;height:38px;border-radius:50%;display:grid;place-items:center;background:#ffcc00}.steps b{font-size:15px}.steps p{color:#777;font-size:13px;line-height:1.4}.benefits{padding:45px 0 70px}.benefit-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:25px}.benefit-grid article{display:flex;gap:15px;border:1px solid #e8e8e8;border-radius:16px;padding:20px}.benefit-grid i{flex:0 0 42px}.benefit-grid b{font-size:15px}.benefit-grid p{color:#777;font-size:13px;line-height:1.4;margin-bottom:0}.faq{padding:65px 0;background:#f7f7f7}.faq h2{margin-bottom:25px}.faq details{background:#fff;border-radius:12px;padding:18px 20px;margin-bottom:10px}.faq summary{font-weight:800;cursor:pointer}.faq p{color:#666;line-height:1.5}footer{background:#111;color:#fff;padding:35px 0}footer .wrap{display:flex;justify-content:space-between;color:#aaa}footer b{color:#fff}@media(max-width:850px){.nav nav{display:none}.hero-grid{grid-template-columns:1fr}.hero h1{font-size:45px}.features,.steps,.benefit-grid{grid-template-columns:1fr}.application{order:2}.hero{padding-top:38px}.nav{gap:15px}.nav .small{padding:11px 13px}.title h2,.faq h2{font-size:34px}footer .wrap{display:block}footer span{display:block;margin-top:8px}}
/* v3: compact transition between hero and next block */
.hero-copy{padding-bottom:0}.features{margin-bottom:0}.application{margin-bottom:0}

.section-kicker{font-size:12px;font-weight:900;letter-spacing:1.6px;margin-bottom:12px}
.bigtitle{font-size:40px;letter-spacing:-1.5px;margin:0 0 10px}.bigtitle span,.referral h2 span{color:#f5b900}
.sectionlead{max-width:760px;color:#666;line-height:1.55;margin:0 0 28px}
.audience{padding:58px 0;background:#fff}.audience-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.audience-grid article{border:1px solid #e7e7e7;border-radius:16px;padding:22px;min-height:205px}
.audience-grid i{width:42px;height:42px;display:grid;place-items:center;background:#fff3bd;border-radius:12px;color:#e9ad00;font-style:normal;font-size:21px;font-weight:900}
.audience-grid h3{font-size:17px;margin:18px 0 8px}.audience-grid p{font-size:14px;color:#6f6f6f;line-height:1.45;margin:0}
.consult{margin-top:18px;background:#111;color:#fff;border-radius:17px;padding:22px 24px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.consult b,.consult span{display:block}.consult b{font-size:19px}.consult span{color:#aaa;margin-top:5px;font-size:14px}.consult .yellow{color:#111;white-space:nowrap}
.receive{padding:58px 0;background:#fff8d8}.receive-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:25px}
.receive-grid article{background:#fff;border-radius:16px;padding:20px}.receive-grid strong{color:#e9ad00;font-size:13px}.receive-grid h3{font-size:17px;margin:25px 0 8px}.receive-grid p{font-size:13px;color:#777;line-height:1.45}
.referral{padding:45px 0}.referral-box{background:#111;color:#fff;border-radius:20px;padding:30px;display:flex;align-items:center;justify-content:space-between;gap:25px}
.referral h2{font-size:31px;margin:5px 0}.referral p{color:#aaa;margin-bottom:0}.referral .yellow{color:#111;white-space:nowrap}
@media(max-width:850px){.audience-grid,.receive-grid{grid-template-columns:1fr}.consult,.referral-box{display:block}.consult .yellow,.referral .yellow{display:inline-block;margin-top:18px}.bigtitle{font-size:34px}}

/* v15: approved first screen stays untouched; continuation aligns beneath it */
.approved-screen + .audience{padding-top:48px}
.audience .bigtitle{text-align:left;margin-left:0}
@media(min-width:851px){
  .approved-screen + .audience .wrap{width:min(1380px,calc(100% - 96px))}
}

/* FAQ CTA buttons */
.faq-apply-btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  margin-top:14px;
  padding:11px 18px;
  border-radius:10px;
  background:#ffd600;
  color:#111;
  font-weight:700;
  text-decoration:none;
  transition:transform .15s ease, opacity .15s ease;
}
.faq-apply-btn:hover{transform:translateY(-1px);opacity:.9}

/* v23: audience cards — 3 + 4 symmetrical layout */
@media (min-width: 901px) {
  .audience-grid {
    grid-template-columns: repeat(12, 1fr);
  }
  .audience-grid > article {
    grid-column: span 3;
  }
  .audience-grid > article:nth-child(-n+3) {
    grid-column: span 4;
  }
}