* {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
  font-family: Arial, sans-serif;
}

body {
  background: #f5f6fa;
  color: #222;
}

img {
  width: 100%;
  display: block;
}

/* Hero */
.hero {
  position: relative;
}

.hero-content {
  padding: 16px;
  background: #0b1b3f;
  color: #fff;
  text-align: center;
}

.hero h1 {
  font-size: 26px;
  margin-bottom: 10px;
}

.hero .sub {
  font-size: 14px;
  margin-bottom: 12px;
}

.features {
  list-style: none;
  margin-bottom: 15px;
}

.features li {
  font-size: 14px;
  margin: 4px 0;
}

.btn {
  display: inline-block;
  background: #ffcc00;
  color: #000;
  padding: 12px 22px;
  border-radius: 30px;
  text-decoration: none;
  font-weight: bold;
}

/* Info */
.info {
  display: flex;
  justify-content: space-around;
  padding: 15px;
  background: #fff;
}

.card {
  text-align: center;
}

.card h3 {
  font-size: 14px;
  color: #555;
}

.card p {
  font-weight: bold;
  margin-top: 5px;
}

/* Benefits */
.benefits {
  padding: 20px;
}

.benefits h2 {
  text-align: center;
  margin-bottom: 10px;
}

.benefits ul {
  list-style: none;
}

.benefits li {
  padding: 6px 0;
}

/* Banner */
.banner {
  position: relative;
}

.banner-content {
  position: absolute;
  bottom: 15px;
  left: 0;
  right: 0;
  text-align: center;
  color: #fff;
}

.banner .rate {
  font-weight: bold;
  margin: 6px 0;
}

/* Process */
.process {
  background: #fff;
  padding: 20px;
}

.process h2 {
  text-align: center;
  margin-bottom: 10px;
}

.process ol {
  padding-left: 20px;
}

/* Eligibility */
.eligibility {
  padding: 20px;
}

.eligibility h2 {
  text-align: center;
  margin-bottom: 10px;
}

.eligibility ul {
  list-style: disc;
  padding-left: 20px;
}

/* Apply */
.apply {
  background: #0b1b3f;
  color: #fff;
  text-align: center;
  padding: 25px 15px;
}

.apply .big {
  margin-top: 15px;
  font-size: 18px;
}

.note {
  font-size: 11px;
  margin-top: 10px;
  color: #ddd;
}

/* Sticky Button */
.sticky {
  position: fixed;
  bottom: 10px;
  left: 10px;
  right: 10px;
}

.sticky a {
  display: block;
  background: #ff3b3b;
  color: #fff;
  text-align: center;
  padding: 14px;
  border-radius: 30px;
  font-weight: bold;
  text-decoration: none;
}