/**
 * HELB Financing & Government Student Funding — MARA design system.
 */

.helb {
	--helb-red: var(--mara-primary, #c62828);
	--helb-gold: var(--mara-secondary, #d4a017);
	--helb-navy: #12263a;
	--helb-ink: #1a1a1a;
	--helb-muted: #5c5c66;
	--helb-surface: #f6f7f9;
	--helb-line: #e3e5ea;
	--helb-warm: #fff8e6;
	--helb-danger: #fdeeee;
	--helb-radius: 0.75rem;
	color: var(--mara-text, #333);
	background: #fff;
	overflow-x: clip;
}

.helb a:focus-visible,
.helb button:focus-visible {
	outline: 2px solid var(--helb-gold);
	outline-offset: 3px;
}

.helb__icon {
	display: block;
	flex-shrink: 0;
}

.helb__section-title {
	margin: 0;
	font-family: var(--mara-font-heading);
	font-size: clamp(1.4rem, 2.8vw, 2rem);
	font-weight: 800;
	letter-spacing: -0.02em;
	line-height: 1.15;
	color: var(--helb-ink);
}

.helb__section-intro {
	margin: 0.65rem auto 0;
	max-width: 40rem;
	line-height: 1.6;
	color: var(--helb-muted);
}

.helb__section-intro--left {
	margin-left: 0;
	margin-right: 0;
}

.helb__section-head {
	margin-bottom: 1.5rem;
	text-align: center;
}

.helb__btn {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	gap: 0.45rem;
	min-height: 2.65rem;
	padding: 0.65rem 1.2rem;
	font-size: 0.74rem;
	font-weight: 800;
	letter-spacing: 0.04em;
	text-transform: uppercase;
	text-decoration: none;
	border-radius: 0.35rem;
}

.helb__btn--outline {
	color: var(--helb-ink);
	background: #fff;
	border: 1.5px solid var(--helb-line);
}

.helb__btn--outline:hover {
	border-color: rgba(198, 40, 40, 0.45);
	color: var(--helb-red);
}

.helb__btn--ghost {
	color: #fff;
	background: transparent;
	border: 1.5px solid rgba(255, 255, 255, 0.5);
}

.helb__btn--ghost:hover {
	background: rgba(255, 255, 255, 0.1);
	border-color: #fff;
}

.helb__text-link {
	display: inline-flex;
	align-items: center;
	margin-top: 1rem;
	font-size: 0.88rem;
	font-weight: 800;
	color: var(--helb-red);
	text-decoration: none;
}

.helb__text-link:hover {
	text-decoration: underline;
}

/* —— Hero —— */
.helb__hero {
	position: relative;
	min-height: clamp(16rem, 38vw, 24rem);
	display: grid;
	align-items: center;
	padding: clamp(2rem, 5vw, 3.5rem) 0;
	background:
		linear-gradient(115deg, rgba(8, 22, 40, 0.55) 0%, rgba(15, 39, 68, 0.35) 55%, rgba(255, 255, 255, 0.15) 100%),
		var(--helb-hero-image, none) center / cover no-repeat;
}

.helb__hero-scrim {
	position: absolute;
	inset: 0;
	background: linear-gradient(180deg, rgba(255, 255, 255, 0.15) 0%, rgba(18, 38, 58, 0.25) 100%);
	pointer-events: none;
}

.helb__hero-inner {
	position: relative;
	z-index: 1;
	display: flex;
	justify-content: center;
}

.helb__hero-card {
	width: min(100%, 42rem);
	padding: clamp(1.35rem, 3vw, 2rem);
	background: rgba(255, 255, 255, 0.96);
	border: 1px solid rgba(255, 255, 255, 0.8);
	border-radius: var(--helb-radius);
	box-shadow: 0 18px 40px rgba(18, 38, 58, 0.18);
}

.helb__badge {
	margin: 0 0 0.75rem;
	display: inline-block;
	padding: 0.3rem 0.65rem;
	font-size: 0.66rem;
	font-weight: 800;
	letter-spacing: 0.1em;
	text-transform: uppercase;
	color: var(--helb-muted);
	background: var(--helb-surface);
	border-radius: 999px;
}

.helb__hero-title {
	margin: 0;
	font-family: var(--mara-font-heading);
	font-size: clamp(1.75rem, 4vw, 2.6rem);
	font-weight: 800;
	letter-spacing: -0.03em;
	line-height: 1.1;
	color: var(--helb-ink);
}

.helb__hero-intro {
	margin: 0.85rem 0 0;
	line-height: 1.65;
	color: var(--helb-muted);
}

.helb__alert {
	display: grid;
	grid-template-columns: auto 1fr;
	gap: 0.75rem;
	margin-top: 1.15rem;
	padding: 0.9rem 1rem;
	border-radius: 0.55rem;
}

.helb__alert--warn {
	background: var(--helb-warm);
	border-left: 4px solid var(--helb-gold);
}

.helb__alert-icon {
	color: #9a7200;
}

.helb__alert-title {
	margin: 0;
	font-weight: 800;
	color: var(--helb-ink);
}

.helb__alert-text {
	margin: 0.35rem 0 0;
	font-size: 0.9rem;
	line-height: 1.55;
	color: var(--helb-muted);
}

/* —— Quick access —— */
.helb__quick {
	margin-top: -1.5rem;
	padding-bottom: 0.5rem;
	position: relative;
	z-index: 2;
}

.helb__quick-panel {
	display: grid;
	gap: 1rem;
	padding: 1.15rem 1.25rem;
	background: #fff;
	border: 1px solid var(--helb-line);
	border-radius: var(--helb-radius);
	box-shadow: 0 10px 28px rgba(18, 38, 58, 0.08);
}

@media (min-width: 800px) {
	.helb__quick-panel {
		grid-template-columns: 1fr auto;
		align-items: center;
	}
}

.helb__ussd {
	display: flex;
	align-items: center;
	gap: 0.85rem;
}

.helb__ussd-icon {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	width: 2.6rem;
	height: 2.6rem;
	color: var(--helb-red);
	background: rgba(198, 40, 40, 0.08);
	border-radius: 0.5rem;
}

.helb__ussd-label {
	margin: 0;
	font-size: 0.7rem;
	font-weight: 800;
	letter-spacing: 0.08em;
	text-transform: uppercase;
	color: var(--helb-muted);
}

.helb__ussd-code {
	margin: 0.15rem 0 0;
	font-family: var(--mara-font-heading);
	font-size: clamp(1.5rem, 3vw, 1.85rem);
	font-weight: 800;
	color: var(--helb-red);
	letter-spacing: 0.02em;
}

.helb__quick-actions {
	display: flex;
	flex-wrap: wrap;
	gap: 0.65rem;
}

/* —— Application window —— */
.helb__window {
	padding: 1.5rem 0 0.25rem;
}

.helb__window-card {
	display: grid;
	grid-template-columns: auto 1fr;
	gap: 1rem;
	padding: 1.2rem 1.35rem;
	background: var(--helb-surface);
	border: 1px solid var(--helb-line);
	border-radius: var(--helb-radius);
}

.helb__window-icon {
	color: var(--helb-navy);
}

.helb__window-title {
	margin: 0;
	font-family: var(--mara-font-heading);
	font-size: 1.05rem;
	font-weight: 800;
	color: var(--helb-ink);
}

.helb__window-text,
.helb__window-extra,
.helb__announcement {
	margin: 0.45rem 0 0;
	font-size: 0.92rem;
	line-height: 1.55;
	color: var(--helb-muted);
}

.helb__window-extra,
.helb__announcement {
	padding: 0.65rem 0.75rem;
	background: #fff;
	border-radius: 0.4rem;
	color: var(--helb-ink);
	font-weight: 600;
}

.helb__window-links {
	margin: 0.75rem 0 0;
	font-size: 0.88rem;
	font-weight: 700;
}

.helb__window-links a {
	color: var(--helb-red);
	text-decoration: none;
}

.helb__window-links a:hover {
	text-decoration: underline;
}

/* —— Model cards —— */
.helb__model {
	padding: clamp(2rem, 5vw, 3.25rem) 0;
}

.helb__model-grid {
	display: grid;
	gap: 1rem;
}

@media (min-width: 860px) {
	.helb__model-grid {
		grid-template-columns: repeat(3, 1fr);
	}
}

.helb__card {
	padding: 1.35rem;
	background: #fff;
	border: 1px solid var(--helb-line);
	border-radius: var(--helb-radius);
}

.helb__card-icon,
.helb__process-icon {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	width: 2.4rem;
	height: 2.4rem;
	margin-bottom: 0.85rem;
	color: var(--helb-red);
	background: rgba(198, 40, 40, 0.08);
	border-radius: 0.5rem;
}

.helb__card-title {
	margin: 0;
	font-family: var(--mara-font-heading);
	font-size: 1.05rem;
	font-weight: 800;
	color: var(--helb-ink);
}

.helb__card-text {
	margin: 0.55rem 0 0;
	font-size: 0.92rem;
	line-height: 1.6;
	color: var(--helb-muted);
}

/* —— Application pathways —— */
.helb__process {
	padding: clamp(2rem, 5vw, 3.25rem) 0;
	background: var(--helb-surface);
}

.helb__process-grid {
	display: grid;
	gap: 1.15rem;
}

@media (min-width: 960px) {
	.helb__process-grid {
		grid-template-columns: 1fr 1fr;
		align-items: stretch;
		gap: 1.35rem;
	}
}

.helb__pathway {
	display: flex;
	flex-direction: column;
	padding: 0;
	background: #fff;
	border: 1px solid var(--helb-line);
	border-radius: calc(var(--helb-radius) + 0.15rem);
	overflow: hidden;
	box-shadow: 0 8px 24px rgba(18, 38, 58, 0.05);
}

.helb__pathway--first {
	border-top: 4px solid var(--helb-red);
}

.helb__pathway--next {
	border-top: 4px solid var(--helb-navy);
}

.helb__pathway-head {
	padding: 1.35rem 1.35rem 1.1rem;
	background: linear-gradient(180deg, #fafbfc 0%, #fff 100%);
	border-bottom: 1px solid var(--helb-line);
}

.helb__pathway-eyebrow {
	margin: 0 0 0.65rem;
	display: inline-block;
	padding: 0.28rem 0.65rem;
	font-size: 0.66rem;
	font-weight: 800;
	letter-spacing: 0.08em;
	text-transform: uppercase;
	color: var(--helb-red);
	background: rgba(198, 40, 40, 0.08);
	border-radius: 999px;
}

.helb__pathway-eyebrow--alt {
	color: var(--helb-navy);
	background: rgba(18, 38, 58, 0.08);
}

.helb__pathway-title-row {
	display: flex;
	align-items: center;
	gap: 0.75rem;
}

.helb__pathway-title-row .helb__process-icon {
	margin-bottom: 0;
}

.helb__pathway-title {
	margin: 0;
	font-family: var(--mara-font-heading);
	font-size: clamp(1.1rem, 2vw, 1.3rem);
	font-weight: 800;
	line-height: 1.2;
	color: var(--helb-ink);
}

.helb__pathway-intro {
	margin: 0.75rem 0 0;
	font-size: 0.92rem;
	line-height: 1.6;
	color: var(--helb-muted);
}

.helb__pathway-channel {
	display: flex;
	flex-wrap: wrap;
	align-items: baseline;
	gap: 0.45rem 0.75rem;
	margin: 0.9rem 0 0;
	padding: 0.7rem 0.85rem;
	background: var(--helb-surface);
	border-radius: 0.5rem;
}

.helb__pathway-channel-label {
	font-size: 0.65rem;
	font-weight: 800;
	letter-spacing: 0.08em;
	text-transform: uppercase;
	color: var(--helb-muted);
}

.helb__pathway-channel-value {
	font-size: 0.88rem;
	font-weight: 700;
	color: var(--helb-ink);
	line-height: 1.4;
}

.helb__route {
	display: flex;
	flex-wrap: wrap;
	align-items: center;
	gap: 0.35rem 0.45rem;
	margin: 1.1rem 1.35rem 0;
	padding: 0.75rem 0.9rem;
	font-size: 0.78rem;
	font-weight: 700;
	line-height: 1.35;
	color: var(--helb-navy);
	background: rgba(18, 38, 58, 0.05);
	border: 1px dashed rgba(18, 38, 58, 0.2);
	border-radius: 0.5rem;
}

.helb__route-sep {
	color: var(--helb-red);
	font-weight: 800;
}

.helb__phases {
	display: grid;
	gap: 0.85rem;
	padding: 1.15rem 1.35rem;
	flex: 1;
	counter-reset: helb-phase;
}

.helb__phase {
	padding: 0.95rem 1rem;
	background: #fff;
	border-radius: 0.7rem;
	border: 1px solid var(--helb-line);
	box-shadow: 0 6px 16px rgba(18, 38, 58, 0.04);
	counter-increment: helb-phase;
}

.helb__phase-title {
	margin: 0 0 0.7rem;
	display: flex;
	align-items: center;
	gap: 0.55rem;
	font-size: 0.78rem;
	font-weight: 800;
	letter-spacing: 0.06em;
	text-transform: uppercase;
	color: var(--helb-red);
}

.helb__phase-title::before {
	content: counter(helb-phase);
	flex-shrink: 0;
	display: inline-flex;
	align-items: center;
	justify-content: center;
	width: 1.4rem;
	height: 1.4rem;
	border-radius: 999px;
	background: var(--helb-red);
	color: #fff;
	font-size: 0.7rem;
	font-weight: 800;
	letter-spacing: 0;
}

.helb__phase-steps {
	margin: 0;
	padding: 0;
	list-style: none;
	display: grid;
	gap: 0.45rem;
	font-size: 0.9rem;
	line-height: 1.45;
	color: var(--helb-ink);
	counter-reset: helb-step;
}

.helb__phase-steps > li {
	position: relative;
	padding: 0.55rem 0.7rem 0.55rem 2.15rem;
	border-radius: 0.55rem;
	background: var(--helb-surface);
	border: 1px solid rgba(18, 38, 58, 0.06);
	counter-increment: helb-step;
}

.helb__phase-steps > li::before {
	content: counter(helb-step);
	position: absolute;
	left: 0.55rem;
	top: 0.5rem;
	display: inline-flex;
	align-items: center;
	justify-content: center;
	width: 1.25rem;
	height: 1.25rem;
	border-radius: 999px;
	background: rgba(198, 40, 40, 0.1);
	color: var(--helb-red);
	font-size: 0.68rem;
	font-weight: 800;
}

.helb__steps {
	margin: 1rem 1.35rem;
	padding: 0;
	list-style: none;
	display: grid;
	gap: 0.45rem;
	font-size: 0.9rem;
	line-height: 1.45;
	color: var(--helb-ink);
	flex: 1;
	counter-reset: helb-step;
}

.helb__steps > li {
	position: relative;
	padding: 0.55rem 0.7rem 0.55rem 2.15rem;
	border-radius: 0.55rem;
	background: var(--helb-surface);
	border: 1px solid rgba(18, 38, 58, 0.06);
	counter-increment: helb-step;
}

.helb__steps > li::before {
	content: counter(helb-step);
	position: absolute;
	left: 0.55rem;
	top: 0.5rem;
	display: inline-flex;
	align-items: center;
	justify-content: center;
	width: 1.25rem;
	height: 1.25rem;
	border-radius: 999px;
	background: rgba(198, 40, 40, 0.1);
	color: var(--helb-red);
	font-size: 0.68rem;
	font-weight: 800;
}

.helb__steps--numbered {
	list-style: none;
}

.helb__pathway-foot {
	display: flex;
	flex-wrap: wrap;
	gap: 0.65rem;
	margin-top: auto;
	padding: 1.1rem 1.35rem 1.35rem;
	border-top: 1px solid var(--helb-line);
	background: #fafbfc;
}

.helb__pathway-foot--split {
	align-items: center;
}

.helb__ussd-pill {
	display: inline-flex;
	align-items: center;
	gap: 0.55rem;
	min-height: 2.65rem;
	padding: 0.45rem 0.95rem;
	background: #fff;
	border: 1.5px solid var(--helb-line);
	border-radius: 0.35rem;
}

.helb__ussd-pill-label {
	font-size: 0.7rem;
	font-weight: 800;
	letter-spacing: 0.04em;
	text-transform: uppercase;
	color: var(--helb-muted);
}

.helb__ussd-pill-code {
	font-family: var(--mara-font-heading);
	font-size: 1.15rem;
	font-weight: 800;
	color: var(--helb-red);
	letter-spacing: 0.02em;
}

/* —— Checklist —— */
.helb__checklist {
	padding: clamp(2rem, 5vw, 3.25rem) 0;
}

.helb__checklist-layout {
	display: grid;
	gap: 1.5rem;
}

@media (min-width: 860px) {
	.helb__checklist-layout {
		grid-template-columns: 0.85fr 1.15fr;
		align-items: start;
		gap: 2rem;
	}
}

.helb__check-grid {
	list-style: none;
	margin: 0;
	padding: 1.15rem;
	display: grid;
	gap: 0.7rem;
	background: var(--helb-warm);
	border: 1px solid rgba(212, 160, 23, 0.35);
	border-radius: var(--helb-radius);
}

@media (min-width: 640px) {
	.helb__check-grid {
		grid-template-columns: 1fr 1fr;
	}
}

.helb__check-grid li {
	display: grid;
	grid-template-columns: auto 1fr;
	gap: 0.55rem;
	align-items: start;
	font-size: 0.9rem;
	line-height: 1.45;
	color: var(--helb-ink);
}

.helb__check {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	width: 1.35rem;
	height: 1.35rem;
	color: #fff;
	background: var(--helb-red);
	border-radius: 999px;
}

.helb__check .helb__icon {
	width: 14px;
	height: 14px;
}

/* —— Notes —— */
.helb__notes {
	padding: 0 0 clamp(2rem, 5vw, 3rem);
}

.helb__notes-grid {
	display: grid;
	gap: 1rem;
}

@media (min-width: 800px) {
	.helb__notes-grid {
		grid-template-columns: 1fr 1fr;
	}
}

.helb__note {
	padding: 1.25rem 1.35rem;
	border-radius: var(--helb-radius);
	border: 1px solid var(--helb-line);
	background: #fff;
}

.helb__note p {
	margin: 0.55rem 0 0;
	font-size: 0.92rem;
	line-height: 1.6;
	color: var(--helb-muted);
}

.helb__note-head {
	display: flex;
	align-items: center;
	gap: 0.65rem;
	color: var(--helb-red);
}

.helb__note-title {
	margin: 0;
	font-family: var(--mara-font-heading);
	font-size: 1.05rem;
	font-weight: 800;
	color: var(--helb-ink);
}

.helb__note--docs {
	background: var(--helb-warm);
	border-color: rgba(212, 160, 23, 0.35);
}

.helb__note--fraud {
	background: var(--helb-danger);
	border-color: rgba(198, 40, 40, 0.25);
}

.helb__fraud-lead {
	font-weight: 800 !important;
	color: var(--helb-red) !important;
}

/* —— FAQ —— */
.helb__faq {
	padding: clamp(2rem, 5vw, 3.25rem) 0;
	background: var(--helb-surface);
}

.helb__faq .helb__section-title {
	margin-bottom: 1.15rem;
}

.helb__accordion {
	display: grid;
	gap: 0.65rem;
}

.helb__faq-item {
	background: #fff;
	border: 1px solid var(--helb-line);
	border-radius: var(--helb-radius);
	overflow: hidden;
}

.helb__faq-q {
	margin: 0;
}

.helb__faq-trigger {
	display: flex;
	align-items: center;
	justify-content: space-between;
	gap: 1rem;
	width: 100%;
	padding: 1rem 1.15rem;
	margin: 0;
	font: inherit;
	font-size: 0.95rem;
	font-weight: 700;
	text-align: left;
	color: var(--helb-ink);
	background: transparent;
	border: 0;
	cursor: pointer;
}

.helb__faq-chevron {
	color: var(--helb-muted);
	transition: transform 0.2s ease;
}

.helb__faq-item.is-open .helb__faq-chevron {
	transform: rotate(180deg);
	color: var(--helb-red);
}

.helb__faq-panel {
	padding: 0 1.15rem 1.1rem;
}

.helb__faq-panel p {
	margin: 0;
	font-size: 0.92rem;
	line-height: 1.6;
	color: var(--helb-muted);
}

/* —— CTA —— */
.helb__cta {
	padding: clamp(2.25rem, 5vw, 3.5rem) 0;
	background: var(--helb-navy);
	color: #fff;
}

.helb__cta-inner {
	display: grid;
	gap: 1.5rem;
}

@media (min-width: 860px) {
	.helb__cta-inner {
		grid-template-columns: 1.3fr 0.9fr;
		align-items: center;
	}
}

.helb__cta-title {
	margin: 0;
	font-family: var(--mara-font-heading);
	font-size: clamp(1.35rem, 2.8vw, 1.85rem);
	font-weight: 800;
	color: #fff;
}

.helb__cta-intro {
	margin: 0.65rem 0 0;
	line-height: 1.6;
	color: rgba(255, 255, 255, 0.82);
}

.helb__helpdesk {
	margin-top: 1.15rem;
	padding: 1rem 1.1rem;
	background: rgba(255, 255, 255, 0.08);
	border: 1px solid rgba(255, 255, 255, 0.15);
	border-radius: 0.55rem;
}

.helb__helpdesk-title {
	margin: 0;
	font-size: 0.95rem;
	font-weight: 800;
	color: var(--helb-gold);
}

.helb__helpdesk p {
	margin: 0.4rem 0 0;
	font-size: 0.88rem;
	line-height: 1.55;
	color: rgba(255, 255, 255, 0.82);
}

.helb__helpdesk-loc {
	display: inline-flex !important;
	align-items: center;
	gap: 0.4rem;
	font-weight: 700 !important;
	color: #fff !important;
}

.helb__cta-actions {
	display: flex;
	flex-direction: column;
	gap: 0.65rem;
}

@media (max-width: 799px) {
	.helb__quick-actions {
		flex-direction: column;
		align-items: stretch;
	}

	.helb__quick-actions .helb__btn,
	.helb__pathway-foot .helb__btn,
	.helb__cta-actions .helb__btn {
		width: 100%;
	}

	.helb__pathway-foot--split {
		flex-direction: column;
		align-items: stretch;
	}

	.helb__ussd-pill {
		justify-content: center;
	}

	.helb__window-card {
		grid-template-columns: 1fr;
	}
}