/* ============================================================
   JP Lending Ltd — design system
   Palette: deep navy ink, muted antique gold, cool paper white
   Type: Fraunces (display serif) + Inter (text)
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600;9..144,700&family=Inter:wght@400;500;600;700&display=swap');

:root{
  --ink:        #0E2138;
  --ink-2:      #16324E;
  --ink-soft:   #33475E;
  --paper:      #F6F7F5;
  --paper-2:    #ECEEE9;
  --panel:      #FFFFFF;
  --line:       #DDE1DC;
  --line-dark:  rgba(255,255,255,.14);
  --gold:       #A9782E;
  --gold-deep:  #8A6224;
  --gold-light: #D9B368;
  --slate:      #4C5B6B;
  --slate-soft: #79879274;
  --radius: 4px;
  --wrap: 1180px;
  --shadow: 0 1px 0 rgba(14,33,56,.05);
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:'Inter',-apple-system,BlinkMacSystemFont,sans-serif;
  font-size:16px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
h1,h2,h3,h4{
  font-family:'Fraunces',Georgia,serif;
  font-weight:600;
  line-height:1.12;
  margin:0 0 .5em;
  color:var(--ink);
  letter-spacing:-0.01em;
}
p{ margin:0 0 1em; max-width:64ch; }
ul{ margin:0 0 1em; padding-left:1.25em; }
.wrap{ max-width:var(--wrap); margin:0 auto; padding:0 28px; }
.visually-hidden{ position:absolute; width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0); }

:focus-visible{ outline:2px solid var(--gold); outline-offset:3px; }
@media (prefers-reduced-motion: reduce){
  *{ animation-duration:.001ms !important; transition-duration:.001ms !important; }
}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; gap:8px;
  padding:13px 26px;
  border-radius:var(--radius);
  font-family:'Inter'; font-weight:600; font-size:15px;
  border:1px solid transparent;
  cursor:pointer;
  transition:background-color .15s ease, border-color .15s ease, color .15s ease, box-shadow .15s ease, transform .15s ease;
}
.btn-primary{ background:var(--gold); color:#fff; }
.btn-primary:hover{ background:var(--gold-deep); }
.btn-apply{
  padding:12px 22px;
  font-size:14.5px;
  box-shadow:0 3px 10px rgba(169,120,46,.35);
  white-space:nowrap;
}
.btn-apply:hover{ box-shadow:0 4px 14px rgba(169,120,46,.45); transform:translateY(-1px); }
.btn-outline{ background:transparent; border-color:var(--line); color:var(--ink); }
.btn-outline:hover{ border-color:var(--ink); }
.btn-ghost-light{ background:transparent; border-color:var(--line-dark); color:#fff; }
.btn-ghost-light:hover{ background:rgba(255,255,255,.08); }

/* ---------- Header ---------- */
.site-header{
  position:sticky; top:0; z-index:50;
  background:rgba(246,247,245,.92);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line);
}
.header-row{
  display:flex; align-items:center; justify-content:space-between;
  height:92px; gap:24px;
}
.brand img{ height:52px; width:auto; }
.main-nav{ display:flex; align-items:center; gap:2px; }
.main-nav > a, .nav-item > button{
  font-size:14.5px; font-weight:600; padding:10px 14px; border-radius:var(--radius);
  background:none; border:none; font-family:'Inter'; cursor:pointer; color:var(--ink);
  display:flex; align-items:center; gap:6px;
}
.main-nav > a:hover, .nav-item > button:hover{ background:var(--paper-2); }
.nav-item{ position:relative; }
.nav-item svg{ width:11px; height:11px; transition:transform .15s ease; }
.nav-item:hover svg, .nav-item:focus-within svg{ transform:rotate(180deg); }
.mega{
  position:absolute; top:100%; left:50%; transform:translateX(-50%);
  width:640px; background:var(--panel); border:1px solid var(--line);
  border-radius:8px; box-shadow:0 18px 40px rgba(14,33,56,.14);
  padding:22px; display:none; grid-template-columns:1fr 1fr; gap:4px 20px;
}
.nav-item:hover .mega, .nav-item:focus-within .mega{ display:grid; }
.mega-group h4{
  font-family:'Inter'; font-size:11.5px; text-transform:uppercase; letter-spacing:.08em;
  color:var(--slate); font-weight:700; margin:0 0 6px; padding-top:10px;
}
.mega a{ display:block; padding:6px 8px; border-radius:4px; font-size:14px; color:var(--ink-soft); }
.mega a:hover{ background:var(--paper-2); color:var(--ink); }
.header-actions{ display:flex; align-items:center; gap:10px; }
.menu-toggle{ display:none; background:none; border:1px solid var(--line); border-radius:6px; padding:9px 12px; }
@media (max-width:980px){
  .main-nav{
    display:none; position:absolute; top:92px; left:0; right:0;
    background:var(--panel); border-bottom:1px solid var(--line);
    flex-direction:column; align-items:stretch; padding:10px 20px 20px;
  }
  .main-nav.is-open{ display:flex; }
  .main-nav > a, .nav-item{ width:100%; }
  .main-nav > a, .nav-item > button{ width:100%; justify-content:space-between; }
  .mega{ position:static; transform:none; width:100%; display:none; box-shadow:none; grid-template-columns:1fr; }
  .nav-item:hover .mega, .nav-item:focus-within .mega{ display:none; }
  .nav-item.open .mega{ display:grid; }
  .menu-toggle{ display:inline-flex; }
}

/* ---------- Hero ---------- */
.hero{
  background:var(--ink);
  color:#fff;
  position:relative;
  overflow:hidden;
}
.hero::after{
  content:"";
  position:absolute; inset:0;
  background:
    radial-gradient(760px 420px at 82% -10%, rgba(169,120,46,.30), transparent 60%),
    linear-gradient(180deg, var(--ink) 0%, var(--ink-2) 100%);
  z-index:0;
}
.hero-inner{
  position:relative; z-index:1;
  display:grid; grid-template-columns:1.1fr .9fr; gap:56px;
  align-items:center;
  padding-top:76px; padding-bottom:84px;
}
.hero h1{
  color:#fff; font-size:clamp(2.1rem, 3.4vw, 3.05rem);
  max-width:16ch;
}
.hero .lede{ color:#CBD6DF; font-size:18px; max-width:46ch; margin-bottom:28px; }
.hero-cta{ display:flex; gap:14px; flex-wrap:wrap; }
.hero-figure{
  position:relative; border-radius:8px; overflow:hidden;
  border:1px solid rgba(255,255,255,.14);
  aspect-ratio:4/3.1;
}
.hero-figure img{ width:100%; height:100%; object-fit:cover; }
.hero-figure::after{
  content:""; position:absolute; inset:0;
  background:linear-gradient(200deg, rgba(14,33,56,0) 40%, rgba(14,33,56,.55) 100%);
}
.hero-stats{
  position:relative; z-index:1;
  display:flex; gap:0;
  border-top:1px solid var(--line-dark);
}
.hero-stats .stat{
  flex:1; padding:22px 0 30px; border-right:1px solid var(--line-dark);
}
.hero-stats .stat:last-child{ border-right:none; }
.stat .num{ font-family:'Fraunces'; font-size:1.9rem; color:var(--gold-light); font-weight:600; }
.stat .lbl{ color:#B9C4CE; font-size:13.5px; margin-top:2px; }

@media (max-width:860px){
  .hero-inner{ grid-template-columns:1fr; gap:32px; padding-top:44px; padding-bottom:40px; }
  .hero-figure{ order:-1; aspect-ratio:16/10; }
  .hero-stats{ flex-wrap:wrap; }
  .hero-stats .stat{ flex:0 0 50%; border-right:none; border-bottom:1px solid var(--line-dark); padding:18px 0 20px; }
  .page-hero .hero-inner{ padding-top:40px; padding-bottom:36px; }
  .cta-band{ padding:34px 26px; }
}

/* simpler inner-page hero (no stat bar) */
.page-hero{
  background:var(--ink); color:#fff;
}
.page-hero .hero-inner{ padding-top:58px; padding-bottom:62px; grid-template-columns:1.15fr .85fr; }
.page-hero h1{ font-size:clamp(1.9rem,3vw,2.6rem); max-width:19ch; }
.page-hero .lede{ margin-bottom:22px; }
.crumb{ color:#9FB0BE; font-size:13.5px; margin-bottom:18px; }
.crumb a:hover{ color:#fff; }

/* ---------- Sections ---------- */
.section{ padding:76px 0; }
.section.tight{ padding:52px 0; }
.section.alt{ background:var(--paper-2); }
.section-head{ max-width:64ch; margin-bottom:36px; }
.section-head h2{ font-size:clamp(1.6rem,2.4vw,2.15rem); }
.section-head p{ color:var(--slate); font-size:17px; }

.prose h2{ font-size:1.5rem; margin-top:1.4em; }
.prose h3{ font-size:1.15rem; margin-top:1.2em; }
.prose p{ color:var(--ink-soft); max-width:72ch; }
.prose ul{ color:var(--ink-soft); max-width:72ch; }

.two-col{ display:grid; grid-template-columns:1fr 1fr; gap:52px; align-items:start; }
@media (max-width:860px){ .two-col{ grid-template-columns:1fr; } }

/* ---------- Cards / grids ---------- */
.grid{ display:grid; gap:22px; }
.grid.cols-2{ grid-template-columns:repeat(2,1fr); }
.grid.cols-3{ grid-template-columns:repeat(3,1fr); }
.grid.cols-4{ grid-template-columns:repeat(4,1fr); }
@media (max-width:860px){ .grid.cols-2,.grid.cols-3,.grid.cols-4{ grid-template-columns:1fr 1fr; } }
@media (max-width:600px){ .grid.cols-2,.grid.cols-3,.grid.cols-4{ grid-template-columns:1fr; } }

.panel{
  background:var(--panel); border:1px solid var(--line); border-radius:6px;
  padding:26px 24px;
}
.panel h3{ font-size:1.08rem; margin-bottom:8px; }
.panel p{ color:var(--slate); font-size:15px; margin:0; }

.check-list{ list-style:none; margin:0; padding:0; display:grid; gap:12px; }
.check-list li{
  display:flex; gap:12px; align-items:flex-start;
  color:var(--ink-soft); font-size:15.5px; max-width:none;
}
.check-list svg{ flex:none; margin-top:3px; color:var(--gold); }

.loan-grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:18px; }
@media (max-width:980px){ .loan-grid{ grid-template-columns:repeat(2,1fr); } }
@media (max-width:560px){ .loan-grid{ grid-template-columns:1fr; } }
.loan-card{
  border:1px solid var(--line); border-radius:6px; padding:22px 20px;
  background:var(--panel);
  transition:border-color .15s ease;
}
.loan-card:hover{ border-color:var(--gold); }
.loan-card .tag{ font-size:12px; color:var(--gold-deep); font-weight:700; text-transform:uppercase; letter-spacing:.06em; }
.loan-card h3{ font-size:1.05rem; margin:6px 0 8px; }
.loan-card p{ font-size:14px; color:var(--slate); margin:0; }

/* ---------- Steps ---------- */
.steps{ counter-reset:step; display:grid; gap:0; }
.step{
  counter-increment:step;
  display:grid; grid-template-columns:64px 1fr; gap:20px;
  padding:26px 0; border-top:1px solid var(--line);
}
.step:last-child{ border-bottom:1px solid var(--line); }
.step::before{
  content:counter(step);
  font-family:'Fraunces'; font-size:1.7rem; color:var(--gold); font-weight:600;
}
.step h3{ font-size:1.05rem; margin-bottom:6px; }
.step p{ color:var(--slate); margin:0; }

/* ---------- FAQ ---------- */
.faq-list{ border-top:1px solid var(--line); }
.faq-item{ border-bottom:1px solid var(--line); }
.faq-item summary{
  cursor:pointer; list-style:none; padding:20px 4px;
  display:flex; justify-content:space-between; align-items:center; gap:20px;
  font-weight:600; font-size:16.5px; font-family:'Fraunces';
}
.faq-item summary::-webkit-details-marker{ display:none; }
.faq-item summary .ico{ flex:none; width:20px; height:20px; position:relative; }
.faq-item summary .ico::before,.faq-item summary .ico::after{
  content:""; position:absolute; background:var(--gold); border-radius:1px;
}
.faq-item summary .ico::before{ width:14px; height:2px; top:9px; left:3px; }
.faq-item summary .ico::after{ width:2px; height:14px; top:3px; left:9px; transition:transform .18s ease; }
.faq-item[open] summary .ico::after{ transform:rotate(90deg); }
.faq-item .faq-a{ padding:0 4px 22px; color:var(--slate); max-width:70ch; }

/* ---------- Testimonials ---------- */
.testi-grid{ display:grid; grid-template-columns:repeat(2,1fr); gap:20px; }
@media (max-width:760px){ .testi-grid{ grid-template-columns:1fr; } }
.testi{
  background:var(--ink); color:#fff; border-radius:6px; padding:28px 26px;
  position:relative;
}
.testi .mark{ font-family:'Fraunces'; font-size:2.6rem; color:var(--gold-light); line-height:1; display:block; margin-bottom:6px; }
.testi p{ color:#DCE3E8; max-width:none; font-size:15.5px; }
.testi .who{ margin-top:14px; font-weight:600; font-size:14px; color:#fff; }

/* ---------- CTA band ---------- */
.cta-band{
  background:var(--ink); color:#fff; border-radius:10px;
  padding:48px 44px; display:flex; align-items:center; justify-content:space-between; gap:30px;
  position:relative; overflow:hidden;
}
.cta-band::after{
  content:""; position:absolute; inset:0;
  background:radial-gradient(520px 220px at 90% 10%, rgba(169,120,46,.35), transparent 65%);
}
.cta-band > *{ position:relative; z-index:1; }
.cta-band h2{ color:#fff; font-size:1.7rem; margin-bottom:6px; max-width:20ch; }
.cta-band p{ color:#B9C4CE; margin:0; }
@media (max-width:700px){ .cta-band{ flex-direction:column; align-items:flex-start; } }

/* ---------- Docs checklist ---------- */
.doc-grid{ display:grid; grid-template-columns:repeat(2,1fr); gap:14px 26px; }
@media (max-width:700px){ .doc-grid{ grid-template-columns:1fr; } }

/* ---------- Footer ---------- */
.site-footer{ background:var(--ink); color:#B9C4CE; padding:64px 0 30px; }
.footer-grid{ display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr 1fr; gap:32px; }
@media (max-width:900px){ .footer-grid{ grid-template-columns:repeat(2,1fr); } }
.footer-grid h4{ color:#fff; font-family:'Inter'; font-size:13px; text-transform:uppercase; letter-spacing:.07em; margin-bottom:14px; font-weight:700; }
.footer-grid a{ display:block; padding:5px 0; font-size:14.5px; color:#AEBBC6; }
.footer-grid a:hover{ color:#fff; }
.footer-brand img{ height:44px; filter:brightness(0) invert(1); opacity:.92; margin-bottom:14px; }
.footer-brand a{ display:inline-block; padding:0; }
.footer-brand a:hover img{ opacity:1; }
.footer-brand p{ color:#93A2AF; font-size:14px; max-width:32ch; }
.footer-bottom{
  margin-top:48px; padding-top:24px; border-top:1px solid var(--line-dark);
  display:flex; justify-content:space-between; flex-wrap:wrap; gap:12px;
  font-size:13px; color:#8493A0;
}

/* ---------- Forms ---------- */
.form-grid{ display:grid; grid-template-columns:1fr 1fr; gap:18px; }
@media (max-width:640px){ .form-grid{ grid-template-columns:1fr; } }
.field{ display:flex; flex-direction:column; gap:6px; }
.field.wide{ grid-column:1 / -1; }
.field label{ font-size:13.5px; font-weight:600; color:var(--ink-soft); }
.field input, .field select, .field textarea{
  border:1px solid var(--line); border-radius:5px; padding:12px 13px;
  font-family:'Inter'; font-size:15px; background:var(--panel); color:var(--ink);
}
.field input:focus, .field select:focus, .field textarea:focus{ outline:none; border-color:var(--gold); }
.form-note{ font-size:13.5px; color:var(--slate); margin-top:14px; }

/* ---------- Contact ---------- */
.contact-panel{ display:grid; grid-template-columns:repeat(3,1fr); gap:18px; }
@media (max-width:800px){ .contact-panel{ grid-template-columns:1fr; } }

/* skip link */
.skip{ position:absolute; left:-999px; top:0; background:#fff; padding:10px 16px; z-index:200; }
.skip:focus{ left:12px; top:12px; }

/* ============================================================
   Loan application wizard
   ============================================================ */
.apply-section{ padding-top:60px; }
.apply-wrap{ display:grid; grid-template-columns:1.7fr 1fr; gap:40px; align-items:start; }
@media (max-width:900px){ .apply-wrap{ grid-template-columns:1fr; } }

.apply-panel{
  background:var(--panel); border:1px solid var(--line); border-radius:12px;
  padding:44px 44px 36px; box-shadow:0 24px 60px rgba(14,33,56,.07);
  position:relative; overflow:hidden;
}
.apply-panel, .apply-form, .form-step, .form-grid-2, .form-grid-2 > .field{ min-width:0; }
.apply-panel::before{
  content:""; position:absolute; top:0; left:0; right:0; height:4px;
  background:linear-gradient(90deg, var(--gold-light), var(--gold), var(--gold-deep));
}
@media (max-width:640px){ .apply-panel{ padding:28px 20px 26px; border-radius:10px; } }

.apply-badge{
  display:inline-flex; align-items:center; gap:6px; font-size:12px; font-weight:700;
  letter-spacing:.03em; color:var(--gold-deep); background:rgba(169,120,46,.09);
  padding:6px 13px; border-radius:20px; margin-bottom:16px;
}
.apply-badge svg{ width:13px; height:13px; }
.apply-panel h2{ font-size:clamp(1.5rem,2.2vw,1.85rem); margin-bottom:8px; }
.apply-panel > .lede-sm{ color:var(--slate); font-size:15.5px; margin-bottom:22px; max-width:56ch; }

.apply-trust{ list-style:none; display:flex; gap:20px; flex-wrap:wrap; padding:0; margin:0 0 30px; }
.apply-trust li{ font-size:13px; font-weight:600; color:var(--ink-soft); display:flex; align-items:center; gap:7px; }
.apply-trust li::before{ content:""; width:6px; height:6px; border-radius:50%; background:var(--gold); flex:none; }

/* ---- Stepper ---- */
.stepper{ margin-bottom:38px; }
.stepper-list{
  list-style:none; margin:0; padding:0; display:flex; justify-content:space-between;
  position:relative; gap:4px;
}
.stepper-list::before{
  content:""; position:absolute; top:17px; left:5%; right:5%; height:2px;
  background:var(--line); z-index:0;
}
.stepper-item{
  position:relative; z-index:1; display:flex; flex-direction:column; align-items:center;
  gap:9px; flex:1; text-align:center; min-width:0;
}
.stepper-dot{
  width:34px; height:34px; border-radius:50%; background:var(--panel);
  border:2px solid var(--line); display:flex; align-items:center; justify-content:center;
  font-family:'Fraunces'; font-weight:600; font-size:13.5px; color:var(--slate);
  transition:all .2s ease; flex:none;
}
.stepper-label{
  font-size:12px; font-weight:600; color:var(--slate); max-width:92px; line-height:1.25;
}
.stepper-item.is-complete .stepper-dot{ background:var(--gold); border-color:var(--gold); color:#fff; }
.stepper-item.is-active .stepper-dot{
  border-color:var(--gold); color:var(--gold-deep); background:#fff;
  box-shadow:0 0 0 5px rgba(169,120,46,.14);
}
.stepper-item.is-active .stepper-label, .stepper-item.is-complete .stepper-label{ color:var(--ink); }

.stepper-track{ height:4px; background:var(--paper-2); border-radius:2px; overflow:hidden; margin-top:16px; }
.stepper-fill{ height:100%; width:0%; background:var(--gold); border-radius:2px; transition:width .35s ease; }
.stepper-mobile-label{ display:none; font-size:13.5px; font-weight:700; color:var(--ink-soft); margin:12px 0 0; }

@media (max-width:660px){
  .stepper-list{ display:none; }
  .stepper-track{ margin-top:0; }
  .stepper-mobile-label{ display:block; }
}

/* ---- Form steps ---- */
.apply-form{ display:block; }
.form-step{ display:none; }
.form-step.is-active{ display:block; animation:stepIn .3s ease; }
@keyframes stepIn{ from{ opacity:0; transform:translateY(8px); } to{ opacity:1; transform:translateY(0); } }

.step-card-head{
  display:flex; gap:16px; align-items:flex-start; margin-bottom:28px;
  padding-bottom:22px; border-bottom:1px solid var(--line);
}
.step-icon{
  flex:none; width:48px; height:48px; border-radius:11px; background:var(--paper-2);
  display:flex; align-items:center; justify-content:center; color:var(--gold-deep);
}
.step-icon svg{ width:23px; height:23px; }
.step-card-head h3{ font-size:1.3rem; margin-bottom:4px; }
.step-card-head p{ color:var(--slate); margin:0; font-size:15px; max-width:56ch; }

.form-grid-2{ display:grid; grid-template-columns:1fr 1fr; gap:22px 22px; }
@media (max-width:640px){ .form-grid-2{ grid-template-columns:1fr; gap:18px; } }
.form-grid-2 .field.wide{ grid-column:1 / -1; }

.field .hint{ font-size:12.5px; color:var(--slate); margin-top:1px; line-height:1.45; }
.field-error{ display:none; color:#B3261E; font-size:12.5px; font-weight:600; margin-top:1px; }
.field.has-error .field-error{ display:block; }
.field.has-error input, .field.has-error select, .field.has-error textarea{
  border-color:#B3261E !important; background:#FDF3F2;
}

.field input, .field select, .field textarea{
  border:1.5px solid var(--line); border-radius:8px; padding:13px 14px;
  font-size:15.5px; transition:border-color .15s ease, box-shadow .15s ease, background .15s ease;
}
.field input:not([type="radio"]):not([type="checkbox"]), .field select, .field textarea{
  width:100%; max-width:100%; min-width:0;
}
.field input:focus, .field select:focus, .field textarea:focus{
  outline:none; border-color:var(--gold); box-shadow:0 0 0 4px rgba(169,120,46,.13); background:#fff;
}
.field select{ appearance:none; -webkit-appearance:none;
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'><path d='M1 1.5L6 6.5L11 1.5' stroke='%2333475E' stroke-width='1.6' fill='none' stroke-linecap='round'/></svg>");
  background-repeat:no-repeat; background-position:right 14px center; background-size:12px 8px; padding-right:38px;
}
.field textarea{ resize:vertical; min-height:96px; font-family:'Inter'; }

/* amount + currency combo */
.input-group{ display:flex; width:100%; max-width:100%; min-width:0; }
.input-group select{
  width:128px; flex:none; border-top-right-radius:0; border-bottom-right-radius:0; border-right:none;
}
.input-group input{ border-top-left-radius:0; border-bottom-left-radius:0; flex:1; min-width:0; }
.input-group:focus-within select, .input-group:focus-within input{ border-color:var(--gold); }

/* fieldset used as .field */
fieldset.field{ border:none; margin:0; padding:0; }
fieldset.field legend{
  font-size:13.5px; font-weight:600; color:var(--ink-soft); padding:0; margin-bottom:8px; float:left; width:100%;
}
.radio-group{ display:flex; gap:12px; flex-wrap:wrap; clear:both; }
.radio-card{
  flex:1; min-width:160px; border:1.5px solid var(--line); border-radius:8px;
  padding:14px 16px; cursor:pointer; display:flex; align-items:center; gap:10px;
  transition:border-color .15s ease, background .15s ease; font-size:14.5px; font-weight:600; color:var(--ink-soft);
}
.radio-card input{ margin:0; accent-color:var(--gold); flex:none; }
.radio-card.is-checked{ border-color:var(--gold); background:rgba(169,120,46,.06); color:var(--ink); }
@media (max-width:640px){ .radio-group{ flex-direction:column; } }

/* file upload */
.file-drop{
  border:1.5px dashed var(--line); border-radius:10px; padding:24px 20px; text-align:center;
  cursor:pointer; transition:border-color .15s ease, background .15s ease; display:block;
}
.file-drop:hover{ border-color:var(--gold); background:rgba(169,120,46,.03); }
.file-drop input[type="file"]{ position:absolute; width:1px; height:1px; overflow:hidden; opacity:0; }
.file-drop-icon{ color:var(--gold-deep); margin-bottom:8px; }
.file-drop-icon svg{ width:24px; height:24px; }
.file-drop .file-cta{ font-size:14.5px; font-weight:600; color:var(--ink); }
.file-drop .file-sub{ font-size:12.5px; color:var(--slate); margin-top:3px; }
.file-drop .file-name{ margin-top:10px; font-size:13px; color:var(--gold-deep); font-weight:700; word-break:break-word; }
.doc-note{
  display:flex; gap:12px; align-items:flex-start; background:var(--paper-2); border-radius:8px;
  padding:16px 18px; margin-top:26px; font-size:13.5px; color:var(--ink-soft);
}
.doc-note svg{ flex:none; width:18px; height:18px; color:var(--gold-deep); margin-top:1px; }

/* review step */
.review-groups{ display:grid; gap:20px; }
.review-group{ border:1px solid var(--line); border-radius:10px; padding:20px 22px; }
.review-group-head{ display:flex; justify-content:space-between; align-items:center; margin-bottom:14px; gap:12px; }
.review-group-head h4{ font-size:1rem; margin:0; font-family:'Fraunces'; }
.review-edit{
  font-size:12.5px; font-weight:700; color:var(--gold-deep); background:none; border:none;
  cursor:pointer; padding:4px 0; font-family:'Inter';
}
.review-edit:hover{ text-decoration:underline; }
.review-rows{ display:grid; grid-template-columns:1fr 1fr; gap:12px 22px; margin:0; }
@media (max-width:640px){ .review-rows{ grid-template-columns:1fr; } }
.review-row{ min-width:0; }
.review-row dt{ font-size:11.5px; text-transform:uppercase; letter-spacing:.05em; color:var(--slate); margin-bottom:3px; }
.review-row dd{ margin:0; font-size:14.5px; font-weight:600; color:var(--ink); word-break:break-word; }

.consent-field{
  display:flex; gap:12px; align-items:flex-start; margin-top:28px; padding:18px 20px;
  background:var(--paper-2); border-radius:10px; transition:box-shadow .15s ease;
}
.consent-field.has-error{ box-shadow:0 0 0 2px #B3261E inset; }
.consent-field input{ margin-top:3px; flex:none; width:17px; height:17px; accent-color:var(--gold); }
.consent-field label{ font-size:13.5px; color:var(--ink-soft); font-weight:500; line-height:1.5; }
.consent-field .field-error{ margin-top:8px; }

/* nav buttons */
.form-nav{
  display:flex; align-items:center; justify-content:space-between; margin-top:34px;
  padding-top:26px; border-top:1px solid var(--line); gap:16px; flex-wrap:wrap;
}
.form-nav-right{ display:flex; align-items:center; gap:16px; }
.step-indicator-text{ font-size:13px; color:var(--slate); font-weight:600; }
.form-nav .btn{ min-width:132px; justify-content:center; }
.form-nav .step-submit[hidden]{ display:none !important; }
.btn.is-loading{ cursor:wait; opacity:.82; pointer-events:none; }
.btn.is-loading::before{
  content:""; width:15px; height:15px; flex:none; border:2px solid rgba(255,255,255,.45);
  border-top-color:#fff; border-radius:50%; animation:buttonSpin .7s linear infinite;
}
@keyframes buttonSpin{ to{ transform:rotate(360deg); } }
@media (max-width:560px){
  .form-nav{ flex-direction:column-reverse; align-items:stretch; }
  .form-nav-right{ flex-direction:column-reverse; width:100%; gap:12px; }
  .form-nav .btn{ width:100%; padding-top:15px; padding-bottom:15px; }
  .step-indicator-text{ text-align:center; }
}

/* aside */
.apply-side{ display:grid; gap:16px; position:sticky; top:112px; }
@media (max-width:900px){ .apply-side{ position:static; } }
.apply-side .panel-head{ display:flex; align-items:center; gap:10px; margin-bottom:10px; }
.apply-side .panel-head .ico{
  flex:none; width:34px; height:34px; border-radius:8px; background:var(--paper-2);
  display:flex; align-items:center; justify-content:center; color:var(--gold-deep);
}
.apply-side .panel-head .ico svg{ width:17px; height:17px; }
.apply-side .panel-head h3{ margin:0; font-size:1.05rem; }

/* form submission result popup */
.form-result-modal{
  position:fixed; inset:0; z-index:1000; display:flex; align-items:center; justify-content:center;
  padding:24px; background:rgba(14,33,56,.72); backdrop-filter:blur(3px);
}
.form-result-card{
  width:min(440px,100%); padding:34px 30px; border-radius:12px; background:#fff;
  box-shadow:0 24px 70px rgba(0,0,0,.28); text-align:center;
}
.form-result-icon{
  display:flex; align-items:center; justify-content:center; width:54px; height:54px;
  margin:0 auto 18px; border-radius:50%; background:var(--gold); color:#fff;
  font-size:28px; font-weight:700;
}
.form-result-card h2{ margin-bottom:10px; }
.form-result-card p{ margin:0 auto 18px; color:var(--slate); }
.form-reference{ padding:13px; border-radius:8px; background:var(--paper-2); }
.form-reference strong{ color:var(--ink); font-size:17px; letter-spacing:.04em; }


/* --- additions: tables, notes, featured review --- */
.tbl-wrap{ overflow-x:auto; margin-top:8px; }
.tbl{ width:100%; border-collapse:collapse; background:var(--panel); border:1px solid var(--line); font-size:15px; }
.tbl th,.tbl td{ text-align:left; padding:12px 14px; border-bottom:1px solid var(--line); vertical-align:top; color:var(--ink-soft); }
.tbl th{ background:var(--paper-2); color:var(--ink); font-weight:600; }
.tbl td:first-child{ font-weight:600; color:var(--ink); }
.testi-feature{ max-width:820px; border-left:3px solid var(--gold); padding:4px 0 4px 22px; }
.testi-feature .mark{ font-family:'Fraunces'; font-size:2.2rem; color:var(--gold); line-height:1; display:block; }
.testi-feature p{ color:var(--ink-soft); font-size:17px; margin:0 0 8px; max-width:none; }
.testi-feature .who{ font-weight:600; font-size:14px; color:var(--ink); }
.section .grid .panel ul{ margin:0; padding-left:18px; color:var(--slate); font-size:15px; }
.section .grid .panel li{ margin-bottom:6px; }