:root {
    --ink: #171d23;
    --ink-soft: #4f5b66;
    --paper: #f5f7f7;
    --white: #ffffff;
    --line: #dbe1e2;
    --lime: #a8ff1f;
    --lime-deep: #7fd400;
    --mint: #eaf7e5;
    --lilac: #eee8f8;
    --sky: #e0f3f5;
    --navy: #17202b;
    --navy-2: #202b39;
    --error: #a62d2d;
    --success: #137554;
    --serif: "DM Serif Display", Georgia, serif;
    --sans: "Manrope", Arial, sans-serif;
    --shadow: 0 24px 80px rgba(31, 40, 47, .11);
    --radius-sm: 12px;
    --radius: 22px;
    --radius-lg: 34px;
}

* { box-sizing: border-box; }
html { overflow-x: hidden; scroll-behavior: smooth; }
body {
    margin: 0;
    color: var(--ink);
    background: #e8ecee;
    font-family: var(--sans);
    font-size: 16px;
    line-height: 1.65;
    -webkit-font-smoothing: antialiased;
}
body, button, input, select { font-family: var(--sans); }
img { display: block; max-width: 100%; }
a { color: inherit; }
button, input, select { font: inherit; }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { color: var(--ink); line-height: 1.05; }
h1, h2 { font-family: var(--serif); font-weight: 400; letter-spacing: -.025em; }
h1 { margin-bottom: 24px; font-size: clamp(3.3rem, 5.4vw, 5.8rem); }
h2 { margin-bottom: 22px; font-size: clamp(2.5rem, 4vw, 4.35rem); }
h3 { margin-bottom: 12px; font-size: 1.15rem; font-weight: 750; letter-spacing: -.02em; }
p { margin-bottom: 18px; }

.site-shell { width: min(1320px, calc(100% - 42px)); margin-inline: auto; }
.section { padding: 116px 0; background: var(--paper); }
.skip-link {
    position: fixed; top: 12px; left: 12px; z-index: 3000;
    padding: 10px 16px; color: var(--white); background: var(--navy);
    border-radius: 10px; transform: translateY(-160%);
}
.skip-link:focus { transform: translateY(0); }
.sr-only {
    position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
    overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;
}
:focus-visible { outline: 3px solid var(--lime-deep); outline-offset: 3px; }

.eyebrow {
    display: flex; align-items: center; gap: 8px; margin-bottom: 18px;
    color: #50605b; font-size: .74rem; font-weight: 750; letter-spacing: .03em;
    text-transform: uppercase;
}
.eyebrow span {
    display: inline-flex; padding: 4px 9px; color: var(--white); background: var(--ink);
    border-radius: 999px; font-size: .62rem; letter-spacing: .06em;
}
.eyebrow.light { color: #a9b4bd; }
.eyebrow.light span { color: var(--ink); background: var(--lime); }

.button {
    display: inline-flex; min-height: 52px; align-items: center; justify-content: center; gap: 10px;
    padding: 13px 21px; color: var(--white); background: var(--ink);
    border: 1px solid var(--ink); border-radius: 999px; box-shadow: 0 10px 28px rgba(23, 29, 35, .14);
    font-weight: 750; line-height: 1.2; text-align: center; text-decoration: none; cursor: pointer;
    transition: transform .2s ease, background .2s ease, box-shadow .2s ease;
}
.button:hover { background: #303a44; transform: translateY(-2px); box-shadow: 0 15px 34px rgba(23, 29, 35, .18); }
.button:disabled { color: #748079; background: #e5e9e6; border-color: #e5e9e6; box-shadow: none; cursor: not-allowed; transform: none; }
.button-small { min-height: 43px; padding: 10px 18px; font-size: .82rem; }

.site-header {
    position: relative; z-index: 1000; width: min(1320px, calc(100% - 42px));
    margin: 20px auto 12px; background: rgba(255, 255, 255, .9);
    border: 1px solid rgba(255,255,255,.95); border-radius: 18px; box-shadow: 0 8px 30px rgba(37,45,51,.06);
    backdrop-filter: blur(16px);
}
.header-inner { display: flex; width: 100%; min-height: 70px; align-items: center; justify-content: space-between; gap: 28px; padding: 0 18px 0 24px; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; }
.brand-logo { display: block; width: 28px; height: 28px; flex: 0 0 28px; object-fit: contain; border-radius: 7px; transition: transform .28s ease; }
.brand-name { font-size: 1.02rem; font-weight: 800; letter-spacing: -.04em; }
.site-nav { display: flex; align-items: center; gap: 8px; }
.site-nav > a:not(.button) { padding: 9px 14px; color: #45515a; border-radius: 999px; font-size: .79rem; font-weight: 700; text-decoration: none; }
.site-nav > a:not(.button):hover { color: var(--ink); background: #f0f3f2; }
.site-nav .button { margin-left: 12px; }
.menu-toggle { display: none; width: 44px; height: 44px; padding: 9px; background: var(--white); border: 1px solid var(--line); border-radius: 50%; }
.menu-toggle span:not(.sr-only) { display: block; width: 20px; height: 2px; margin: 4px auto; background: var(--ink); }

.hero { padding: 0 0 22px; }
.hero-panel { overflow: hidden; padding: clamp(26px, 3vw, 44px) clamp(26px, 5vw, 72px) 0; background: radial-gradient(circle at 14% 18%, rgba(168,255,31,.15), transparent 33%), linear-gradient(135deg, #f7fbf2 0%, #edf4f5 54%, #eef1f8 100%); border: 1px solid rgba(255,255,255,.95); border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.hero-grid { display: grid; grid-template-columns: 1.03fr .97fr; align-items: center; gap: clamp(42px, 6vw, 84px); }
.hero-copy { position: relative; z-index: 2; padding-bottom: 28px; }
.hero-copy h1 { max-width: 720px; margin-bottom: 18px; font-size: clamp(3rem, 4.45vw, 4.8rem); }
.hero-lead { max-width: 650px; margin-bottom: 23px; color: #57636c; font-size: clamp(.96rem, 1.15vw, 1.08rem); line-height: 1.6; }
.hero-visual { position: relative; min-height: 540px; align-self: stretch; }
.hero-visual picture, .hero-visual picture img { width: 100%; height: 100%; }
.hero-visual img { object-fit: cover; object-position: 56% center; border-radius: 28px 28px 0 0; }
.floating-chip { position: absolute; display: flex; align-items: center; gap: 11px; padding: 12px 15px; background: rgba(255,255,255,.91); border: 1px solid rgba(255,255,255,.96); border-radius: 14px; box-shadow: 0 14px 38px rgba(20,29,34,.14); backdrop-filter: blur(14px); }
.floating-chip strong, .floating-chip small { display: block; }
.floating-chip strong { font-size: .75rem; }
.floating-chip small { color: #6c777c; font-size: .58rem; }
.chip-icon { display: grid; width: 29px; height: 29px; place-items: center; color: var(--ink); background: var(--lime); border-radius: 50%; font-size: .75rem; font-weight: 900; }
.chip-verified.is-error .chip-icon { color: var(--error); background: #ffe5e2; }
.chip-dot { width: 10px; height: 10px; background: var(--lime); border: 3px solid #dfffb0; border-radius: 50%; }
.chip-verified { top: 42px; left: -22px; }
.chip-transparent { right: 20px; bottom: 28px; }

.hero-application { max-width: 760px; padding: 18px; background: rgba(255,255,255,.82); border: 1px solid rgba(255,255,255,.95); border-radius: 20px; box-shadow: 0 18px 55px rgba(27,38,45,.09); backdrop-filter: blur(12px); }
.form-intro { display: flex; align-items: baseline; justify-content: space-between; gap: 20px; margin-bottom: 14px; }
.form-intro p { margin: 0; color: #66716f; font-size: .72rem; }
.mini-label { font-size: .74rem; font-weight: 800; }
.application-form { display: grid; gap: 14px; }
.hero .application-form { grid-template-columns: 1.15fr .82fr .88fr; align-items: start; }
.hero .form-note { grid-column: 1 / -1; }
.form-field { min-width: 0; }
.form-field label { display: block; margin-bottom: 6px; color: #39454b; font-size: .75rem; font-weight: 800; }
.field-control { width: 100%; height: 54px; padding: 0 15px; color: var(--ink); background: var(--white); border: 1px solid #d4dbd9; border-radius: 12px; outline: 0; transition: border .2s ease, box-shadow .2s ease; }
.field-control:focus { border-color: #7ba735; box-shadow: 0 0 0 4px rgba(168,255,31,.19); }
.field-control.input-error { border-color: var(--error); box-shadow: 0 0 0 3px rgba(166,45,45,.08); }
.field-control.input-valid { padding-right: 42px; border-color: var(--success); background-image: url('../img/icon-valid.svg'); background-repeat: no-repeat; background-position: calc(100% - 15px) center; }
.field-control.loading { background-image: linear-gradient(90deg, transparent, rgba(168,255,31,.13), transparent); background-size: 200% 100%; animation: loading-sheen 1.2s linear infinite; }
.select-wrap { position: relative; }
.select-wrap::after { position: absolute; top: 50%; right: 17px; width: 7px; height: 7px; border-right: 2px solid var(--ink); border-bottom: 2px solid var(--ink); content: ""; pointer-events: none; transform: translateY(-70%) rotate(45deg); }
.select-wrap select { padding-right: 38px; appearance: none; }
.field-help { display: none; }
.field-error { display: block; min-height: 1.1em; margin-top: 4px; color: var(--error); font-size: .62rem; font-weight: 650; line-height: 1.25; }
.form-submit { width: 100%; height: 54px; min-height: 54px; margin-top: 25px; padding: 0 18px; border-radius: 12px; background: var(--lime); border-color: var(--lime); color: var(--ink); box-shadow: none; }
.form-submit:hover { background: #baff45; }
.form-submit:disabled { color: #f4f7f5; background: #596660; border-color: #596660; box-shadow: inset 0 0 0 1px rgba(255,255,255,.12); opacity: 1; }
.button-loading { display: none; }
.application-form.is-verifying .button-label { display: none; }
.application-form.is-verifying .button-loading { display: inline; }
.form-note { margin: 0; color: #737d80; font-size: .72rem; line-height: 1.5; }

.expectation-row { display: grid; grid-template-columns: .7fr repeat(3, 1fr); align-items: center; gap: 20px; margin: 0 calc(clamp(26px, 5vw, 72px) * -1); padding: 25px clamp(26px, 5vw, 72px); background: rgba(255,255,255,.68); border-top: 1px solid rgba(255,255,255,.9); }
.expectation-row p { margin: 0; color: #7a8589; font-size: .72rem; }
.expectation-row div { display: flex; align-items: center; gap: 10px; font-size: .73rem; font-weight: 700; }
.expectation-row div span { display: grid; width: 27px; height: 27px; place-items: center; color: #687269; border: 1px solid #d8deda; border-radius: 50%; font-size: .59rem; }

.story-section { padding-top: 126px; }
.editorial-intro { max-width: 1080px; margin: 0 auto 68px; text-align: center; }
.side-label { display: flex; align-items: center; gap: 9px; color: #617067; font-size: .7rem; font-weight: 800; text-transform: uppercase; }
.side-label i { width: 8px; height: 8px; background: var(--lime); border-radius: 50%; box-shadow: 0 0 0 5px #e7f8cf; }
.editorial-intro .side-label { justify-content: center; margin-bottom: 22px; }
.editorial-intro h2 { max-width: 970px; margin: 0 auto 24px; font-family: var(--sans); font-size: clamp(2rem, 3.6vw, 3.55rem); font-weight: 500; line-height: 1.22; letter-spacing: -.04em; }
.editorial-intro > p:last-child { max-width: 760px; margin: 0 auto; color: #6b767d; }
.pastel-grid { display: grid; max-width: 1100px; grid-template-columns: repeat(3, 1fr); gap: 18px; margin: 0 auto; }
.pastel-card { position: relative; min-height: 300px; padding: 30px; overflow: hidden; border-radius: 18px; }
.card-mint { background: var(--mint); }
.card-lilac { background: var(--lilac); }
.card-sky { background: var(--sky); }
.card-kicker { color: #69736e; font-size: .66rem; font-weight: 800; text-transform: uppercase; }
.pastel-card h3 { max-width: 220px; margin-top: 52px; font-family: var(--serif); font-size: 1.65rem; font-weight: 400; }
.pastel-card p { max-width: 290px; margin: 0; color: #687274; font-size: .78rem; }
.card-mark { position: absolute; right: 25px; bottom: 21px; display: grid; width: 38px; height: 38px; place-items: center; background: rgba(255,255,255,.66); border-radius: 10px; }

.process-section { padding: 42px 0; color: #cbd2d8; background: var(--paper); }
.process-shell { display: grid; grid-template-columns: .82fr 1.18fr; gap: 90px; padding: clamp(48px, 6vw, 88px); background: var(--navy); border-radius: var(--radius-lg); }
.process-heading h2 { color: var(--white); }
.process-heading > p:not(.eyebrow) { max-width: 480px; color: #a9b4bd; }
.text-link { display: inline-flex; gap: 10px; margin-top: 24px; padding-bottom: 5px; color: var(--white); border-bottom: 1px solid #61707e; font-size: .78rem; font-weight: 750; text-decoration: none; }
.process-list { padding: 0; margin: 0; list-style: none; }
.process-list li { display: grid; grid-template-columns: 58px 1fr; gap: 25px; padding: 30px 0; border-top: 1px solid #384452; }
.process-list li:last-child { border-bottom: 1px solid #384452; }
.process-list h3 { color: var(--white); font-size: 1.18rem; }
.process-list p { max-width: 520px; margin: 0; color: #aab5be; font-size: .84rem; }
.step-number { display: grid; width: 44px; height: 44px; place-items: center; color: var(--ink); background: var(--lime); border-radius: 50%; font-size: .66rem; font-weight: 850; }

.benefits-section { padding-top: 128px; }
.section-title-row { display: grid; grid-template-columns: 1.35fr .65fr; align-items: end; gap: 70px; margin-bottom: 54px; }
.section-title-row h2 { max-width: 850px; margin: 0; }
.section-title-row > p { margin: 0 0 8px; color: #6c777d; font-size: .86rem; }
.bento-grid { display: grid; grid-template-columns: 1.35fr .65fr; grid-template-rows: repeat(2, 230px); gap: 18px; }
.bento-card { position: relative; display: flex; padding: 30px; flex-direction: column; justify-content: space-between; background: var(--white); border: 1px solid var(--line); border-radius: 20px; }
.bento-large { grid-row: 1 / 3; justify-content: flex-end; padding: 46px; overflow: hidden; background: #dce8dd; }
.bento-large::after { position: absolute; inset: 0; content: ""; background: linear-gradient(180deg, rgba(16,27,25,.03) 20%, rgba(15,27,24,.84) 100%); }
.benefit-image, .benefit-image img { position: absolute; inset: 0; width: 100%; height: 100%; }
.benefit-image img { object-fit: cover; }
.benefit-copy { position: relative; z-index: 2; max-width: 560px; color: var(--white); }
.bento-card h3 { font-family: var(--serif); font-size: 1.65rem; font-weight: 400; }
.bento-large h3 { max-width: 480px; margin-top: 18px; color: var(--white); font-size: clamp(2.1rem, 3vw, 3.2rem); }
.bento-card p { max-width: 520px; margin: 0; color: #687477; font-size: .82rem; }
.bento-large p { color: rgba(255,255,255,.86); }
.bento-icon { position: relative; z-index: 2; display: grid; width: 44px; height: 44px; place-items: center; background: var(--white); border-radius: 12px; box-shadow: 0 8px 24px rgba(20,30,35,.08); }
.bento-large .bento-icon { color: var(--ink); background: var(--lime); box-shadow: 0 10px 28px rgba(0,0,0,.18); font-weight: 850; }
.bento-accent { background: var(--lilac); }

.debt-section { padding-top: 50px; }
.compact-title { align-items: center; }
.debt-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.debt-card { display: grid; min-height: 112px; grid-template-columns: 48px 1fr; align-items: center; gap: 15px; padding: 20px; background: var(--white); border: 1px solid var(--line); border-radius: 16px; transition: transform .2s ease, border-color .2s ease; }
.debt-card:hover { border-color: #aab5ae; transform: translateY(-3px); }
.debt-card img { width: 42px; height: 42px; object-fit: contain; filter: grayscale(1) brightness(.55); }
.debt-card span { font-size: .82rem; font-weight: 750; line-height: 1.3; }

.suitability-section { padding-top: 80px; }
.suitability-grid { display: grid; grid-template-columns: .95fr 1.05fr; gap: 20px; }
.suitability-copy, .consideration-list { padding: clamp(36px, 5vw, 68px); border-radius: 24px; }
.suitability-copy { background: linear-gradient(135deg, #eff8e8, #e9f4f6); }
.suitability-copy p:last-child { max-width: 620px; margin: 0; color: #647075; }
.consideration-list { display: flex; flex-direction: column; justify-content: center; background: var(--white); border: 1px solid var(--line); }
.consideration-list h3 { margin-bottom: 28px; font-family: var(--serif); font-size: clamp(2rem, 2.5vw, 2.35rem); font-weight: 400; }
.consideration-list ul { padding: 0; margin: 0; list-style: none; }
.consideration-list li { display: grid; grid-template-columns: 42px 1fr; gap: 18px; align-items: center; padding: 18px 0; border-top: 1px solid var(--line); }
.consideration-list li span { color: #7b867f; font-size: .76rem; font-weight: 800; }
.consideration-list li p { margin: 0; color: #526067; font-size: 1rem; line-height: 1.55; }

.faq-section { padding-top: 80px; }
.faq-layout { max-width: 1040px; }
.faq-heading { max-width: 650px; margin: 0 auto 54px; text-align: center; }
.faq-heading .eyebrow { justify-content: center; }
.faq-heading p:last-child { color: #5e6b70; font-size: 1.05rem; }
.accordion { display: grid; grid-template-columns: 1fr 1fr; align-items: start; gap: 12px; }
.accordion-item { background: var(--white); border: 1px solid var(--line); border-radius: 14px; }
.accordion-item h3 { margin: 0; }
.accordion-item button { display: flex; width: 100%; min-height: 72px; align-items: center; justify-content: space-between; gap: 18px; padding: 18px 21px; color: var(--ink); background: transparent; border: 0; font-size: 1.05rem; font-weight: 750; line-height: 1.45; text-align: left; cursor: pointer; }
.accordion-item button span { display: grid; width: 26px; height: 26px; flex: 0 0 26px; place-items: center; color: var(--white); background: var(--navy); border-radius: 50%; font-size: .9rem; }
.accordion-item [role="region"] { padding: 0 21px 22px; color: #58666c; font-size: 1.04rem; line-height: 1.65; }
.accordion-item [role="region"] p { margin: 0; }

.final-cta { padding: 42px 0 24px; background: var(--paper); }
.final-cta-shell { padding: clamp(42px, 6vw, 78px); background: radial-gradient(circle at 15% 50%, rgba(168,255,31,.24), transparent 28%), linear-gradient(125deg, #eff8e7, #e2f5f4 58%, #eef0f8); border-radius: var(--radius-lg); }
.final-cta-copy { max-width: 760px; margin: 0 auto 42px; text-align: center; }
.final-cta-copy .eyebrow { justify-content: center; }
.final-cta-copy p:last-child { color: #657176; }
.final-form-card { max-width: 1080px; margin: auto; padding: 22px; background: rgba(255,255,255,.86); border: 1px solid rgba(255,255,255,.95); border-radius: 18px; box-shadow: 0 20px 60px rgba(27,36,42,.09); }
.final-form-card .application-form { grid-template-columns: 1.15fr .82fr .88fr; align-items: start; }
.final-form-card .form-note { grid-column: 1 / -1; }

.site-footer { width: min(1320px, calc(100% - 42px)); margin: 20px auto 20px; padding: 42px 52px; color: #aeb8c0; background: var(--navy); border-radius: 28px; }
.site-footer .brand-name { color: var(--white); }
.footer-top { display: flex; align-items: center; justify-content: space-between; gap: 30px; padding-bottom: 28px; border-bottom: 1px solid #394450; }
.footer-nav { display: flex; flex-wrap: wrap; gap: 14px 25px; justify-content: flex-end; }
.footer-nav a { color: #dce2e7; font-size: .72rem; font-weight: 650; text-decoration: none; }
.footer-nav a:hover { color: var(--lime); }
.footer-disclosure { padding: 30px 0 20px; color: #aeb8c0; font-size: .72rem; line-height: 1.7; }
.footer-disclosure p { margin-bottom: 9px; }
.footer-disclosure strong, .policy strong { font-weight: 800; }
.copyright { margin: 0; color: #77848e; font-size: .68rem; }

.internal, .contact-us__message { min-height: 60vh; padding: 70px 0 100px; background: var(--paper); }
.internal .title { display: none; }
.policy { width: min(960px, calc(100% - 42px)); margin-inline: auto; padding: 58px clamp(24px, 6vw, 74px); background: var(--white); border: 1px solid var(--line); border-radius: 24px; box-shadow: var(--shadow); }
.policy h1 { margin-bottom: 18px; font-size: clamp(2.6rem, 5vw, 4.3rem); }
.policy p { color: #47555d; }
.policy strong { color: var(--ink); }
.policy a { color: #316b59; }
.contact-us .title { padding: 55px 20px; text-align: center; background: var(--paper); }
.contact-us .title h1 { margin: 0; font-size: 4rem; }
.contact-us .message__wrapper { display: flex; max-width: 760px; justify-content: center; margin: 55px auto 100px; }
.contact-us .message__content { width: 100%; padding: 42px; background: var(--white); border: 1px solid var(--line); border-radius: 22px; }
.contact-us .title-box img { width: 100px; height: auto; margin-bottom: 25px; }
.address-box > div { display: flex; align-items: flex-start; gap: 18px; margin-bottom: 28px; }
.address-box > div > div { display: grid; width: 48px; height: 48px; flex: 0 0 48px; place-items: center; background: var(--mint); border-radius: 50%; }
.address-box p { margin: 0; color: var(--ink-soft); }

.form-page { min-height: 70vh; background: var(--paper); }
.form-stage { padding: 80px 0 110px; }
.form-stage-shell { max-width: 980px; }
.form-stage-heading { max-width: 700px; margin-bottom: 38px; }
.form-stage-heading h1 { font-size: clamp(3rem, 5vw, 5rem); }
.form-stage-heading p:last-child { color: var(--ink-soft); }
.provider-form-shell { min-height: 260px; padding: clamp(20px, 4vw, 42px); background: var(--white); border: 1px solid var(--line); border-radius: 24px; box-shadow: var(--shadow); }
.status-message { padding: 42px; text-align: center; }
.status-message h2 { font-size: 2.5rem; }
.status-message p { color: var(--ink-soft); }
.status-message.error { color: var(--error); }

.form-page-body .site-header { margin-top: 10px; margin-bottom: 8px; }
.form-page-body .header-inner { min-height: 58px; }
.form-page-body .form-stage { padding: 10px 0 30px; }
.form-page-body .form-stage-heading { display: grid; max-width: none; grid-template-columns: 1fr auto; align-items: end; gap: 10px 36px; margin-bottom: 14px; }
.form-page-body .form-stage-heading .eyebrow { display: none; }
.form-page-body .form-stage-heading h1 { margin: 0; font-size: clamp(2.15rem, 3.2vw, 3rem); white-space: nowrap; }
.form-page-body .form-stage-heading > p:last-child { max-width: 420px; margin: 0 0 6px; text-align: right; }
.form-page-body .provider-form-shell { min-height: 220px; padding: 12px; }

.next-application-page { min-height: 72vh; background: var(--paper); }
.next-application-section { padding: 34px 0 70px; }
.next-application-shell { max-width: 1120px; }
.next-application-heading { display: grid; grid-template-columns: 1fr auto; align-items: end; gap: 30px; margin-bottom: 26px; }
.next-application-heading h1 { max-width: 760px; margin-bottom: 0; font-size: clamp(2.7rem, 5vw, 4.8rem); }
.application-summary { display: flex; gap: 10px; padding-bottom: 8px; }
.application-summary span { display: flex; min-width: 135px; padding: 11px 14px; flex-direction: column; color: #697479; background: var(--white); border: 1px solid var(--line); border-radius: 12px; font-size: .68rem; }
.application-summary strong { color: var(--ink); font-size: .92rem; }
.next-application-card { overflow: hidden; background: var(--white); border: 1px solid var(--line); border-radius: 26px; box-shadow: var(--shadow); }
.application-progress { display: grid; grid-template-columns: repeat(5, 1fr); padding: 0; margin: 0; background: #eef2f0; list-style: none; }
.application-progress li { display: flex; min-height: 68px; align-items: center; justify-content: center; gap: 9px; padding: 12px; color: #7b8581; border-right: 1px solid #dce3df; font-size: .72rem; font-weight: 750; }
.application-progress li:last-child { border-right: 0; }
.application-progress li span { display: grid; width: 26px; height: 26px; place-items: center; color: #69746e; background: var(--white); border-radius: 50%; font-size: .65rem; }
.application-progress li.is-active { color: var(--ink); background: #e7f8cf; }
.application-progress li.is-active span { color: var(--ink); background: var(--lime); }
.application-progress li.is-complete span { color: var(--white); background: var(--success); }
.multi-step-form { min-height: 515px; }
.application-step { max-width: 900px; padding: clamp(42px, 6vw, 74px); margin: 0 auto; text-align: center; }
.application-step[hidden] { display: none; }
.application-step h2 { margin-bottom: 14px; font-family: var(--sans); font-size: clamp(2.2rem, 4vw, 3.8rem); font-weight: 600; letter-spacing: -.045em; }
.application-step > p:not(.step-count):not(.application-inline-error):not(.application-privacy-note) { color: #657075; font-size: 1rem; }
.step-count { margin-bottom: 12px; color: #748078; font-size: .7rem; font-weight: 800; letter-spacing: .05em; text-transform: uppercase; }
.application-field-grid { display: grid; max-width: 760px; gap: 20px; margin: 38px auto 0; }
.application-field-grid.two-columns { grid-template-columns: 1fr 1fr; }
.application-input-group { text-align: left; }
.application-input-group label, .choice-fieldset legend { display: block; margin-bottom: 8px; color: #3c474c; font-size: .77rem; font-weight: 800; }
.application-input-group input, .application-input-group select { width: 100%; height: 66px; padding: 0 19px; color: var(--ink); background: var(--white); border: 1px solid #bfc8c4; border-radius: 12px; outline: 0; font: inherit; font-size: 1rem; transition: border-color .2s ease, box-shadow .2s ease; }
.application-input-group select { cursor: pointer; }
.application-input-group input[type="date"], .application-input-group input[type="time"] { cursor: pointer; }
.application-input-group input:focus, .application-input-group select:focus { border-color: #75a828; box-shadow: 0 0 0 4px rgba(168,255,31,.19); }
.application-input-group input:user-invalid, .application-input-group select:user-invalid { border-color: var(--error); }
.choice-fieldset { padding: 0; margin: 0; border: 0; text-align: left; }
.choice-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.choice-card { position: relative; cursor: pointer; }
.choice-card input { position: absolute; width: 1px; height: 1px; opacity: 0; }
.choice-card span { display: grid; min-height: 64px; place-items: center; color: #475259; background: #f7f9f8; border: 1px solid #cbd3d0; border-radius: 12px; font-weight: 800; transition: border-color .2s ease, background .2s ease, box-shadow .2s ease; }
.choice-card input:focus-visible + span { outline: 3px solid var(--lime-deep); outline-offset: 3px; }
.choice-card input:checked + span { color: var(--ink); background: #e9fbcf; border-color: #90c347; box-shadow: inset 0 0 0 1px #90c347; }
.birth-date-grid { display: grid; max-width: 820px; grid-template-columns: repeat(3, 1fr); gap: 28px; margin: 48px auto 0; }
.birth-date-grid .application-input-group label { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
.birth-date-grid .application-input-group select { height: 112px; padding: 0 36px; font-size: 1.45rem; font-weight: 700; }
.application-inline-error { min-height: 24px; margin: 12px 0 0; color: var(--error); font-size: .78rem; }
.application-step-actions { display: flex; justify-content: center; gap: 12px; margin-top: 34px; }
.application-step-actions .button { min-width: 190px; }
.application-step-actions .next-step-button, .application-step-actions .submit-application-button { color: var(--ink); background: var(--lime); border-color: var(--lime); }
.application-step-actions .next-step-button:hover, .application-step-actions .submit-application-button:hover { background: #baff45; }
.secondary-button { color: var(--ink); background: var(--white); border-color: #b8c2bd; box-shadow: none; }
.secondary-button:hover { background: #f0f3f2; }
.application-privacy-note { max-width: 650px; margin: 22px auto 0; color: #77817d; font-size: .72rem; }
.submission-consent { max-width: 860px; margin: 30px auto 0; padding: 24px; color: #566267; background: #f4f7f5; border: 1px solid #d8dfdc; border-radius: 16px; text-align: left; }
.submission-consent p { margin: 0 0 14px; font-size: .82rem; line-height: 1.6; }
.submission-consent p:last-child { margin-bottom: 0; }
.submission-consent a, .legal-modal-trigger { color: #173d33; font-weight: 800; text-decoration: underline; text-underline-offset: 2px; }
.legal-modal-trigger { display: inline; padding: 0; background: transparent; border: 0; cursor: pointer; font: inherit; }
.legal-modal-trigger:hover { color: #426b24; }
.legal-modal-trigger:focus-visible { outline: 3px solid var(--lime-deep); outline-offset: 3px; }
.marketing-consent-option { position: relative; display: grid; grid-template-columns: 24px 1fr; gap: 12px; align-items: start; margin: 18px 0; padding: 18px; color: var(--ink); background: var(--white); border: 1px solid #bfc8c4; border-radius: 12px; cursor: pointer; font-size: .86rem; font-weight: 650; line-height: 1.55; }
.marketing-consent-option input { position: absolute; width: 1px; height: 1px; opacity: 0; pointer-events: none; }
.consent-check { display: grid; width: 22px; height: 22px; margin-top: 1px; place-items: center; background: var(--white); border: 2px solid #65736d; border-radius: 5px; transition: background .16s ease, border-color .16s ease, box-shadow .16s ease; }
.consent-check::after { width: 5px; height: 10px; margin-top: -2px; border: solid var(--ink); border-width: 0 2px 2px 0; content: ''; opacity: 0; transform: rotate(45deg) scale(.7); transition: opacity .16s ease, transform .16s ease; }
.marketing-consent-option input:checked + .consent-check { background: var(--lime); border-color: #75a828; }
.marketing-consent-option input:checked + .consent-check::after { opacity: 1; transform: rotate(45deg) scale(1); }
.marketing-consent-option:hover .consent-check { border-color: #75a828; }
.marketing-consent-option:has(input:focus-visible) { border-color: #75a828; box-shadow: 0 0 0 4px rgba(168,255,31,.19); }
.legal-modal { width: min(920px, calc(100% - 32px)); max-width: none; height: min(78vh, 760px); max-height: none; padding: 0; color: var(--ink); background: var(--white); border: 1px solid #cbd3d0; border-radius: 20px; box-shadow: 0 28px 80px rgba(7,20,30,.28); }
.legal-modal::backdrop { background: rgba(10,22,31,.68); backdrop-filter: blur(3px); }
.legal-modal-header { display: flex; align-items: center; justify-content: space-between; padding: 20px 24px; border-bottom: 1px solid #dce2df; }
.legal-modal-header h2 { margin: 0; font-size: 1.45rem; }
.legal-modal-close { display: grid; width: 42px; height: 42px; padding: 0; place-items: center; color: var(--white); background: var(--navy); border: 0; border-radius: 50%; cursor: pointer; font-size: 1.7rem; line-height: 1; }
.legal-modal-close:hover { background: #263440; }
.legal-modal-close:focus-visible { outline: 3px solid var(--lime); outline-offset: 3px; }
.legal-modal-content { height: calc(100% - 83px); padding: 28px 30px 36px; overflow-y: auto; outline: 0; }
.legal-modal-content .policy { padding: 0; }
.legal-modal-content h1 { margin-top: 0; font-size: clamp(1.7rem, 4vw, 2.6rem); }
.legal-modal-content p { color: #47545a; font-size: .92rem; line-height: 1.7; }
.legal-modal-content strong { color: var(--ink); }
.application-error-summary { padding: 15px 18px; margin-bottom: 18px; color: #7f2424; background: #fff0ee; border: 1px solid #efc2bd; border-radius: 12px; }
.application-error-summary p { margin: 3px 0 0; }
.next-application-status { max-width: 820px; padding: 60px; margin: 40px auto; text-align: center; background: var(--white); border: 1px solid var(--line); border-radius: 24px; box-shadow: var(--shadow); }
.next-application-status .eyebrow { justify-content: center; }
.next-application-status p:not(.eyebrow) { color: var(--ink-soft); }
.multi-step-form.is-submitting { pointer-events: none; }

@media (min-width: 901px) {
    .form-page-body #omForm { margin-bottom: -198px; transform: scale(.78); transform-origin: top center; }
}

@keyframes loading-sheen { to { background-position: -200% 0; } }

@media (max-width: 1120px) {
    .hero-grid { grid-template-columns: 1fr; }
    .hero-copy { padding-bottom: 10px; }
    .hero-visual { min-height: 500px; }
    .hero-visual img { border-radius: 26px; }
    .chip-verified { left: 20px; }
    .expectation-row { margin-top: 32px; }
    .pastel-grid { padding-left: 0; }
    .process-shell { grid-template-columns: 1fr; gap: 40px; }
    .section-title-row { grid-template-columns: 1fr; gap: 24px; }
    .section-title-row > p { max-width: 700px; }
    .debt-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
    .section { padding: 86px 0; }
    .menu-toggle { display: block; }
    .site-nav { position: absolute; top: 76px; right: 0; left: 0; display: none; padding: 16px; align-items: stretch; flex-direction: column; background: rgba(255,255,255,.98); border: 1px solid var(--line); border-radius: 18px; box-shadow: var(--shadow); }
    .site-nav.is-open { display: flex; }
    .site-nav > a:not(.button) { padding: 12px; }
    .site-nav .button { margin: 10px 0 0; }
    .hero .application-form, .final-form-card .application-form { grid-template-columns: 1fr 1fr; }
    .hero .form-submit, .final-form-card .form-submit, .hero .form-note, .final-form-card .form-note { grid-column: 1 / -1; }
    .hero .form-submit, .final-form-card .form-submit { margin-top: 0; }
    .expectation-row { grid-template-columns: 1fr; gap: 14px; }
    .expectation-row p { display: none; }
    .pastel-grid { grid-template-columns: 1fr; }
    .pastel-card { min-height: 240px; }
    .bento-grid { grid-template-columns: 1fr; grid-template-rows: auto; }
    .bento-large { min-height: 420px; grid-row: auto; }
    .suitability-grid { grid-template-columns: 1fr; }
    .accordion { grid-template-columns: 1fr; }
    .footer-top { align-items: flex-start; flex-direction: column; }
    .footer-nav { justify-content: flex-start; }
    .next-application-heading { grid-template-columns: 1fr; }
    .application-summary { padding: 0; }
    .application-progress li { font-size: 0; }
    .application-progress li span { font-size: .65rem; }
}

@media (max-width: 600px) {
    .site-shell { width: min(100% - 24px, 1320px); }
    .site-header { width: calc(100% - 24px); margin: 8px auto; }
    .header-inner { min-height: 54px; padding: 0 8px 0 14px; }
    .brand-logo { width: 25px; height: 25px; flex-basis: 25px; border-radius: 6px; }
    .menu-toggle { width: 39px; height: 39px; }
    .hero-panel { padding: 14px 16px 0; border-radius: 24px; }
    .hero-copy { padding-bottom: 4px; }
    .hero-copy .eyebrow { margin-bottom: 8px; font-size: .64rem; }
    .hero-copy h1 { margin-bottom: 9px; font-size: clamp(2.05rem, 9.3vw, 2.55rem); line-height: 1; }
    .hero-lead { margin-bottom: 11px; font-size: .79rem; line-height: 1.42; }
    .hero-application { padding: 11px 12px 12px; border-radius: 16px; }
    .form-intro { margin-bottom: 8px; }
    .form-intro p { display: none; }
    .hero .application-form { gap: 8px; }
    .hero .field-control, .hero .form-submit { height: 48px; min-height: 48px; }
    .hero .form-field label { margin-bottom: 3px; font-size: .68rem; }
    .hero .field-error:empty { display: none; }
    .hero .field-error { margin-top: 2px; }
    .hero .form-note { font-size: .61rem; line-height: 1.35; }
    .hero .application-form, .final-form-card .application-form { grid-template-columns: 1fr; }
    .hero .form-submit, .final-form-card .form-submit, .hero .form-note, .final-form-card .form-note { grid-column: auto; }
    .hero-visual { min-height: 390px; margin-top: 18px; }
    .floating-chip { padding: 10px 12px; }
    .chip-verified { top: 18px; left: 12px; }
    .chip-transparent { right: 10px; bottom: 16px; }
    .expectation-row { margin-inline: -20px; padding-inline: 20px; }
    .section { padding: 72px 0; }
    .story-section { padding-top: 82px; }
    .pastel-card { padding: 25px; }
    .process-section { padding: 16px 0; }
    .process-shell { width: calc(100% - 24px); padding: 38px 22px; border-radius: 24px; }
    .process-list li { grid-template-columns: 48px 1fr; gap: 14px; }
    .bento-large { min-height: 380px; padding: 30px; }
    .debt-grid { grid-template-columns: 1fr; }
    .suitability-copy, .consideration-list { padding: 32px 22px; }
    .final-cta-shell { padding: 46px 20px; border-radius: 24px; }
    .final-form-card { padding: 17px; }
    .site-footer { width: calc(100% - 24px); padding: 32px 24px; border-radius: 24px; }
    .footer-nav { flex-direction: column; gap: 12px; }
    .policy { width: calc(100% - 24px); padding: 32px 20px; }
    .internal { padding: 35px 0 70px; }
    .contact-us .message__content { padding: 28px 20px; }
    .status-message { padding: 24px 8px; }
    .next-application-section { padding: 18px 0 44px; }
    .next-application-heading { gap: 18px; }
    .next-application-heading h1 { font-size: 2.5rem; }
    .application-summary { display: grid; grid-template-columns: 1fr 1fr; }
    .application-summary span { min-width: 0; }
    .next-application-card { border-radius: 20px; }
    .application-progress li { min-height: 52px; padding: 8px; }
    .application-progress li span { width: 24px; height: 24px; }
    .multi-step-form { min-height: 490px; }
    .application-step { padding: 36px 18px; }
    .application-step h2 { font-size: 2.15rem; }
    .application-field-grid.two-columns, .birth-date-grid { grid-template-columns: 1fr; }
    .application-field-grid { gap: 15px; margin-top: 28px; }
    .birth-date-grid { gap: 12px; margin-top: 30px; }
    .birth-date-grid .application-input-group select { height: 72px; padding: 0 20px; }
    .application-step-actions { align-items: stretch; flex-direction: column-reverse; }
    .application-step-actions .button { width: 100%; }
    .next-application-status { padding: 40px 22px; }
    .legal-modal { width: calc(100% - 18px); height: 88vh; border-radius: 16px; }
    .legal-modal-header { padding: 15px 16px; }
    .legal-modal-header h2 { font-size: 1.2rem; }
    .legal-modal-content { height: calc(100% - 73px); padding: 20px 18px 28px; }
    .form-page-body .form-stage { padding-top: 10px; }
    .form-page-body .form-stage-heading { display: block; margin-bottom: 10px; }
    .form-page-body .form-stage-heading .eyebrow { margin-bottom: 5px; }
    .form-page-body .form-stage-heading h1 { font-size: 2.15rem; }
    .form-page-body .form-stage-heading > p:last-child { display: none; }
    .form-page-body .provider-form-shell { padding: 9px; border-radius: 18px; }
}

/* Quiet premium motion system */
.site-header,
.header-inner,
.brand-logo,
.site-nav > a { transition: min-height .28s ease, padding .28s ease, margin .28s ease, box-shadow .28s ease, background-color .28s ease, transform .28s ease, color .2s ease; }
.site-header.is-scrolled { position: sticky; top: 8px; margin-top: 8px; background: rgba(255,255,255,.82); box-shadow: 0 14px 44px rgba(25,36,43,.13); }
.site-header.is-scrolled .header-inner { min-height: 58px; }
.site-header.is-scrolled .brand-logo { transform: scale(.92); }
.site-nav > a:not(.button) { position: relative; }
.site-nav > a:not(.button)::after { position: absolute; right: 14px; bottom: 6px; left: 14px; height: 2px; background: var(--lime-deep); border-radius: 2px; content: ''; transform: scaleX(0); transform-origin: right; transition: transform .25s ease; }
.site-nav > a:not(.button):hover::after,
.site-nav > a:not(.button):focus-visible::after { transform: scaleX(1); transform-origin: left; }

.motion-ready .hero-copy > *,
.motion-ready .hero-visual,
.motion-ready .expectation-row > * { opacity: 0; transform: translateY(18px); }
.motion-ready .hero-visual { transform: scale(1.025) translateY(12px); }
.motion-ready.page-entered .hero-copy > *,
.motion-ready.page-entered .hero-visual,
.motion-ready.page-entered .expectation-row > * { opacity: 1; transform: none; transition: opacity .62s cubic-bezier(.2,.75,.25,1), transform .72s cubic-bezier(.2,.75,.25,1); }
.motion-ready.page-entered .hero-copy .eyebrow { transition-delay: 40ms; }
.motion-ready.page-entered .hero-copy h1 { transition-delay: 110ms; }
.motion-ready.page-entered .hero-lead { transition-delay: 180ms; }
.motion-ready.page-entered .hero-application { transition-delay: 250ms; }
.motion-ready.page-entered .hero-visual { transition-delay: 130ms; }
.motion-ready.page-entered .expectation-row > *:nth-child(1) { transition-delay: 300ms; }
.motion-ready.page-entered .expectation-row > *:nth-child(2) { transition-delay: 350ms; }
.motion-ready.page-entered .expectation-row > *:nth-child(3) { transition-delay: 400ms; }
.motion-ready.page-entered .expectation-row > *:nth-child(4) { transition-delay: 450ms; }
.motion-ready .floating-chip { opacity: 0; transform: translateY(12px) scale(.96); }
.motion-ready.page-entered .floating-chip { opacity: 1; transform: none; transition: opacity .5s ease, transform .6s cubic-bezier(.2,.8,.2,1); }
.motion-ready.page-entered .chip-verified { transition-delay: 520ms; }
.motion-ready.page-entered .chip-transparent { transition-delay: 650ms; }

.motion-reveal { opacity: 0; transform: translateY(24px); }
.motion-reveal.is-revealed { opacity: 1; transform: none; transition: opacity .62s cubic-bezier(.2,.75,.25,1) var(--reveal-delay, 0ms), transform .7s cubic-bezier(.2,.75,.25,1) var(--reveal-delay, 0ms); }
.pastel-card,
.bento-card,
.debt-card { transition: transform .3s cubic-bezier(.2,.75,.25,1), box-shadow .3s ease, border-color .3s ease; }
.pastel-card:hover,
.bento-card:hover { transform: translateY(-5px); box-shadow: 0 18px 42px rgba(25,36,43,.1); }
.pastel-card .card-mark,
.bento-card .bento-icon,
.debt-card img { transition: transform .32s cubic-bezier(.2,.75,.25,1); }
.pastel-card:hover .card-mark,
.bento-card:hover .bento-icon { transform: translateY(-3px) rotate(5deg); }
.debt-card:hover img { transform: scale(1.06) rotate(-3deg); }
.benefit-image img { transition: transform .8s cubic-bezier(.2,.75,.25,1); }
.bento-large:hover .benefit-image img { transform: scale(1.025); }
.process-list { position: relative; }
.process-list::before { position: absolute; top: 52px; bottom: 52px; left: 21px; width: 2px; background: linear-gradient(var(--lime), rgba(168,255,31,.12)); content: ''; transform: scaleY(0); transform-origin: top; transition: transform 1s cubic-bezier(.2,.75,.25,1) .18s; }
.process-list:has(.is-revealed)::before { transform: scaleY(1); }
.process-list li { position: relative; }
.step-number { position: relative; z-index: 1; transition: transform .3s ease, box-shadow .3s ease; }
.process-list li:hover .step-number { transform: scale(1.07); box-shadow: 0 0 0 7px rgba(168,255,31,.1); }

.field-control,
.application-input-group input,
.application-input-group select { transition: border-color .22s ease, box-shadow .22s ease, background-color .22s ease, transform .22s ease; }
.field-control:focus,
.application-input-group input:focus,
.application-input-group select:focus { transform: translateY(-1px); }
.field-control.input-valid { animation: valid-field-pop .42s cubic-bezier(.2,.8,.2,1); }
.chip-verified.is-valid .chip-icon { animation: valid-chip-pop .42s cubic-bezier(.2,.8,.2,1); }
.field-error:not(:empty),
.application-inline-error:not(:empty) { animation: error-in .25s ease both; }
@keyframes valid-field-pop { 0% { transform: scale(.985); } 60% { transform: scale(1.01); } 100% { transform: scale(1); } }
@keyframes valid-chip-pop { 0% { transform: scale(.7); } 70% { transform: scale(1.14); } 100% { transform: scale(1); } }
@keyframes error-in { from { opacity: 0; transform: translateY(-4px); } to { opacity: 1; transform: none; } }

.accordion-item { overflow: hidden; transition: border-color .25s ease, box-shadow .25s ease, transform .25s ease; }
.accordion-item.is-open { border-color: #b8c5bf; box-shadow: 0 14px 34px rgba(27,39,45,.08); transform: translateY(-2px); }
.accordion-item button span { transition: transform .3s ease, background-color .25s ease; }
.accordion-item.is-open button span { background: var(--success); transform: rotate(180deg); }
.accordion-item [role="region"] { max-height: 0; overflow: hidden; opacity: 0; transition: max-height .32s cubic-bezier(.2,.75,.25,1), opacity .24s ease; }
.accordion-item.is-open [role="region"] { opacity: 1; }

.final-cta-shell { position: relative; overflow: hidden; }
.final-cta-shell::after { position: absolute; width: 420px; height: 420px; right: -180px; bottom: -260px; background: radial-gradient(circle, rgba(168,255,31,.22), transparent 67%); border-radius: 50%; content: ''; opacity: 0; transform: scale(.7); transition: opacity 1s ease, transform 1.2s cubic-bezier(.2,.75,.25,1); pointer-events: none; }
.final-cta-shell:has(.is-revealed)::after { opacity: 1; transform: scale(1); }
.final-cta-copy,
.final-form-card { position: relative; z-index: 1; }

.application-progress li,
.application-progress li span { transition: color .3s ease, background-color .38s ease, transform .3s cubic-bezier(.2,.8,.2,1), box-shadow .3s ease; }
.application-progress li.is-active span { transform: scale(1.08); box-shadow: 0 0 0 6px rgba(168,255,31,.18); }
.application-progress li.is-complete span { animation: progress-complete .38s cubic-bezier(.2,.8,.2,1); }
@keyframes progress-complete { 0% { transform: scale(.72); } 70% { transform: scale(1.12); } 100% { transform: scale(1); } }
.application-step.is-active { animation: step-forward .44s cubic-bezier(.2,.75,.25,1) both; }
.application-step.is-active.from-back { animation-name: step-back; }
@keyframes step-forward { from { opacity: 0; transform: translateX(22px); } to { opacity: 1; transform: none; } }
@keyframes step-back { from { opacity: 0; transform: translateX(-22px); } to { opacity: 1; transform: none; } }
.choice-card span,
.marketing-consent-option { transition: transform .22s ease, border-color .22s ease, background-color .22s ease, box-shadow .22s ease; }
.choice-card:hover span,
.marketing-consent-option:hover { transform: translateY(-2px); }
.legal-modal[open] { animation: modal-in .3s cubic-bezier(.2,.75,.25,1) both; }
.legal-modal[open]::backdrop { animation: backdrop-in .25s ease both; }
@keyframes modal-in { from { opacity: 0; transform: translateY(16px) scale(.985); } to { opacity: 1; transform: none; } }
@keyframes backdrop-in { from { opacity: 0; } to { opacity: 1; } }

.application-success { animation: success-card-in .62s cubic-bezier(.2,.75,.25,1) both; }
.application-success::before { display: grid; width: 64px; height: 64px; margin: 0 auto 24px; place-items: center; color: var(--ink); background: var(--lime); border-radius: 50%; content: '✓'; font-size: 1.7rem; font-weight: 900; box-shadow: 0 0 0 0 rgba(168,255,31,.34); animation: success-check .72s cubic-bezier(.2,.8,.2,1) .2s both; }
@keyframes success-card-in { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: none; } }
@keyframes success-check { 0% { opacity: 0; transform: scale(.55) rotate(-12deg); } 70% { opacity: 1; transform: scale(1.1) rotate(2deg); box-shadow: 0 0 0 14px rgba(168,255,31,0); } 100% { opacity: 1; transform: scale(1); } }

@media (max-width: 760px) {
    .site-header.is-scrolled { top: 5px; }
    .motion-reveal { transform: translateY(16px); }
    .process-list::before { left: 21px; }
    .pastel-card:hover, .bento-card:hover, .debt-card:hover, .choice-card:hover span, .marketing-consent-option:hover { transform: none; }
}

/* Touch-keyboard liquid wave. Desktop and fine-pointer devices never render it. */
.keyboard-wave-effect { display: none; }
@media (max-width: 1024px) {
    .keyboard-wave-effect {
        --keyboard-wave-origin: 100vh;
        --keyboard-wave-end: -100vh;
        --keyboard-wave-mid: -58vh;
        --keyboard-wave-highlight-end: -94vh;
        --keyboard-wave-afterglow-end: -78vh;
        position: fixed;
        inset: 0;
        z-index: 1900;
        display: block;
        overflow: hidden;
        visibility: hidden;
        pointer-events: none;
        contain: strict;
    }
    .keyboard-wave-effect::before,
    .keyboard-wave-effect::after,
    .keyboard-wave-effect > span {
        position: absolute;
        top: var(--keyboard-wave-origin);
        left: -15%;
        width: 130%;
        border-radius: 50% 50% 42% 42%;
        content: '';
        opacity: 0;
        will-change: transform, opacity;
    }
    .keyboard-wave-effect::before {
        height: 190px;
        margin-top: -78px;
        background: linear-gradient(180deg, transparent 2%, rgba(235,249,247,.08) 22%, rgba(255,255,255,.28) 46%, rgba(176,218,211,.13) 62%, transparent 91%);
        border-top: 1px solid rgba(255,255,255,.56);
        box-shadow: 0 -14px 44px rgba(218,245,240,.16), inset 0 13px 30px rgba(255,255,255,.17);
        backdrop-filter: blur(3.5px) saturate(1.08);
    }
    .keyboard-wave-effect::after {
        height: 56px;
        margin-top: -25px;
        background: radial-gradient(ellipse at center, rgba(255,255,255,.42), rgba(205,236,231,.12) 46%, transparent 72%);
        filter: blur(5px);
    }
    .keyboard-wave-effect > span {
        height: 120px;
        margin-top: -48px;
        background: linear-gradient(180deg, transparent, rgba(221,244,241,.12) 46%, transparent);
        filter: blur(10px);
    }
    .keyboard-wave-effect.is-running { visibility: visible; }
    .keyboard-wave-effect.is-running::before { animation: keyboard-liquid-wave 1.38s cubic-bezier(.18,.66,.22,1) both; }
    .keyboard-wave-effect.is-running::after { animation: keyboard-wave-highlight 1.2s cubic-bezier(.18,.66,.22,1) .06s both; }
    .keyboard-wave-effect.is-running > span { animation: keyboard-wave-afterglow 1.46s ease-out .08s both; }
    .keyboard-wave-effect > i { position: absolute; inset: 0; opacity: 0; pointer-events: none; }
    .keyboard-wave-effect > i::before,
    .keyboard-wave-effect > i::after {
        position: absolute;
        top: 0;
        width: 50%;
        height: 100%;
        background: linear-gradient(180deg, rgba(168,255,31,.19), rgba(205,255,126,.09) 28%, rgba(168,255,31,.025) 62%, transparent 88%);
        content: '';
        opacity: 0;
        will-change: transform, opacity;
    }
    .keyboard-wave-effect > i::before { right: 50%; transform-origin: right top; }
    .keyboard-wave-effect > i::after { left: 50%; transform-origin: left top; }
    .keyboard-wave-effect.is-running > i { animation: keyboard-top-impact .62s ease-out .98s both; }
    .keyboard-wave-effect.is-running > i::before { animation: keyboard-impact-left .58s cubic-bezier(.16,.72,.24,1) .98s both; }
    .keyboard-wave-effect.is-running > i::after { animation: keyboard-impact-right .58s cubic-bezier(.16,.72,.24,1) .98s both; }

    .keyboard-wave-active .next-application-heading,
    .keyboard-wave-active .application-progress,
    .keyboard-wave-active .application-step > .step-count,
    .keyboard-wave-active .application-step > h2,
    .keyboard-wave-active .application-step > p,
    .keyboard-wave-active .application-step-actions {
        animation: keyboard-content-settle 1.24s cubic-bezier(.18,.7,.22,1) both;
        transform-origin: 50% 100%;
    }
    .keyboard-wave-active .application-input-group:not(:focus-within),
    .keyboard-wave-active .choice-fieldset,
    .keyboard-wave-active .submission-consent {
        animation: keyboard-content-settle 1.24s cubic-bezier(.18,.7,.22,1) .04s both;
    }
    .keyboard-wave-home .hero-copy > .eyebrow,
    .keyboard-wave-home .hero-copy > h1,
    .keyboard-wave-home .hero-copy > .hero-lead,
    .keyboard-wave-home .hero-visual,
    .keyboard-wave-home .expectation-row,
    .keyboard-wave-home .hero-application .form-intro,
    .keyboard-wave-home .hero-application .form-field:not(:focus-within),
    .keyboard-wave-home .hero-application .form-submit,
    .keyboard-wave-home .hero-application .form-note,
    .keyboard-wave-home .final-cta-copy,
    .keyboard-wave-home .final-form-card .form-field:not(:focus-within),
    .keyboard-wave-home .final-form-card .form-submit,
    .keyboard-wave-home .final-form-card .form-note {
        animation: keyboard-content-settle 1.24s cubic-bezier(.18,.7,.22,1) both;
        transform-origin: 50% 100%;
    }
    .application-input-group:focus-within {
        position: relative;
        z-index: 1901;
    }
    .application-form .form-field:focus-within {
        position: relative;
        z-index: 1901;
    }
}

@keyframes keyboard-liquid-wave {
    0% { opacity: 0; transform: translate3d(0, 42px, 0) scaleX(.82) scaleY(.72); }
    16% { opacity: .86; transform: translate3d(0, 4px, 0) scaleX(1.04) scaleY(1.04); }
    56% { opacity: .7; transform: translate3d(0, var(--keyboard-wave-mid), 0) scaleX(.96) scaleY(.8); }
    100% { opacity: 0; transform: translate3d(0, var(--keyboard-wave-end), 0) scaleX(1.12) scaleY(.42); }
}
@keyframes keyboard-wave-highlight {
    0% { opacity: 0; transform: translate3d(0, 28px, 0) scaleX(.72); }
    24% { opacity: .9; transform: translate3d(0, -20px, 0) scaleX(1.04); }
    100% { opacity: 0; transform: translate3d(0, var(--keyboard-wave-highlight-end), 0) scaleX(1.16); }
}
@keyframes keyboard-wave-afterglow {
    0% { opacity: 0; transform: translate3d(0, 60px, 0) scaleX(.8); }
    26% { opacity: .42; }
    100% { opacity: 0; transform: translate3d(0, var(--keyboard-wave-afterglow-end), 0) scaleX(1.08); }
}
@keyframes keyboard-top-impact {
    0% { opacity: 1; }
    72% { opacity: 1; }
    100% { opacity: 0; }
}
@keyframes keyboard-impact-left {
    0% { opacity: 0; transform: scaleX(.02) skewX(4deg); }
    28% { opacity: .82; }
    100% { opacity: 0; transform: scaleX(1) skewX(0); }
}
@keyframes keyboard-impact-right {
    0% { opacity: 0; transform: scaleX(.02) skewX(-4deg); }
    28% { opacity: .82; }
    100% { opacity: 0; transform: scaleX(1) skewX(0); }
}
@keyframes keyboard-content-settle {
    0% { filter: blur(0); transform: translateY(0) scaleY(1); }
    24% { filter: blur(.8px); transform: translateY(-3px) scaleY(.992); }
    52% { filter: blur(.25px); transform: translateY(2px) scaleY(1.004); }
    100% { filter: blur(0); transform: none; }
}

@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    *, *::before, *::after { scroll-behavior: auto !important; transition-duration: .01ms !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; }
    .motion-ready .hero-copy > *, .motion-ready .hero-visual, .motion-ready .expectation-row > *, .motion-ready .floating-chip, .motion-reveal { opacity: 1 !important; transform: none !important; }
    .keyboard-wave-effect { display: none !important; }
}