body {
    font-family: var(--sans);
    background: var(--cream);
    color: var(--ink);
}

a {
    color: var(--ink);
    text-decoration: none;
}

a:hover {
    color: var(--gold-ink);
}

.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    border: 0;
}

input,
button {
    font: inherit;
}

input:focus-visible,
button:focus-visible {
    outline: 2px solid var(--gold);
    outline-offset: 1px;
}

input::placeholder {
    color: #8A8A7E;
}

.serif {
    font-family: var(--serif);
}

/* ---------- Header ---------- */
.site-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    min-height: 84px;
    padding: 0 64px;
    border-bottom: 3px solid #D9D2C2;
}

.brand-wrap {
    display: flex;
    align-items: center;
    gap: 22px;
}

.brand {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
}

.brand-logo {
    display: block;
    width: 104px;
    height: auto;
}

.brand-mark {
    font-family: Georgia, 'Times New Roman', serif;
    font-size: 34px;
    font-weight: 700;
    line-height: 1;
    color: var(--navy);
    letter-spacing: -0.5px;
}

.brand-sub {
    font-size: 8px;
    letter-spacing: 2px;
    color: var(--navy);
    margin-top: 3px;
}

.v-rule {
    width: 1px;
    height: 34px;
    background: #CFC6B2;
}

.secure {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 15px;
    font-weight: 500;
    color: var(--ink-2);
}

.header-contact {
    display: flex;
    align-items: center;
    gap: 14px;
    font-size: 15px;
    color: var(--ink-2);
}

.pill-btn {
    display: flex;
    align-items: center;
    height: 46px;
    padding: 0 20px;
    border: 1.5px solid var(--ink);
    border-radius: 24px;
    font-size: 15px;
    font-weight: 600;
    white-space: nowrap;
}

/* ---------- Hero ---------- */
.hero {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 22px;
    padding: 72px 24px 64px;
    background: var(--forest);
    color: var(--cream);
    text-align: center;
}

.referral {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 8px 18px 8px 8px;
    background: var(--forest-2);
    border: 1px solid var(--forest-line);
    border-radius: 30px;
}

.referral-avatar {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 34px;
    height: 34px;
    border-radius: 17px;
    background: var(--gold);
    color: var(--forest);
    font-weight: 600;
    font-size: 13px;
    flex-shrink: 0;
}

.referral span {
    font-size: 15px;
    color: #D8D6CB;
}

.referral strong {
    color: var(--paper);
    font-weight: 600;
}

.referral-contact {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 8px 20px;
    margin-top: -10px;
    font-size: 15px;
}

.referral-contact a {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    color: var(--paper);
    overflow-wrap: anywhere;
}

.referral-contact a:hover {
    color: var(--gold);
}

.eyebrow {
    font-size: 14px;
    letter-spacing: 4px;
    color: var(--gold);
}

.hero h1 {
    margin: 0;
    max-width: 1000px;
    font-family: var(--serif);
    font-weight: 400;
    font-size: 68px;
    line-height: 1.05;
    color: var(--paper);
}

.hero h1 em {
    color: var(--gold-2);
}

.hero p {
    margin: 0;
    max-width: 680px;
    font-size: 19px;
    line-height: 1.6;
    color: #D8D6CB;
}

.perks {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 14px 36px;
    margin-top: 8px;
    font-size: 15px;
    color: #E4E2D8;
}

.perks div {
    display: flex;
    align-items: center;
    gap: 8px;
}

/* ---------- Form section ---------- */
.form-section {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 40px;
    padding: 96px 24px 112px;
}

.section-head {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 14px;
    text-align: center;
}

.section-head .eyebrow {
    color: var(--gold-ink);
}

.section-head h2 {
    margin: 0;
    font-family: var(--serif);
    font-weight: 400;
    font-size: 58px;
}

.shell {
    width: 100%;
    max-width: 1000px;
}

.alert {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 18px 22px;
    border-radius: 16px;
    font-size: 15px;
    line-height: 1.5;
}

.alert svg {
    flex: none;
    margin-top: 2px;
}

.alert-success {
    background: #E5EEDD;
    border: 1px solid #B9CDA9;
    color: #2F5B2C;
}

.alert-error {
    background: #F6E3D6;
    border: 1px solid #DDB89C;
    color: #7E3A12;
}

.app-card {
    display: flex;
    flex-direction: column;
    gap: 48px;
    padding: 56px 64px;
    background: var(--paper);
    border: 1px solid #E6DECB;
    border-radius: 28px;
}

.step {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.step-title {
    display: flex;
    align-items: baseline;
    justify-content: space-between;
    gap: 12px;
    flex-wrap: wrap;
}

.step-title>div {
    display: flex;
    align-items: baseline;
    gap: 18px;
}

.step-num {
    font-family: var(--serif);
    font-size: 30px;
    color: var(--gold-num);
}

.step-title h3 {
    margin: 0;
    font-family: var(--serif);
    font-weight: 500;
    font-size: 34px;
}

.tag {
    padding: 6px 14px;
    border: 1px solid var(--gold);
    border-radius: 20px;
    color: #7A6128;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 1.5px;
}

.rule {
    height: 1px;
    background: var(--line);
}

.grid-2 {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 20px 24px;
}

.grid-3 {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 18px;
}

.field {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.field label,
.field-label {
    font-size: 15px;
    font-weight: 600;
}

.req {
    color: var(--req);
}

.opt {
    color: var(--ink-2);
    font-weight: 400;
}

.input {
    width: 100%;
    height: 52px;
    padding: 0 16px;
    border: 1px solid var(--line-2);
    border-radius: 12px;
    background: var(--field);
    font-size: 16px;
    color: var(--ink);
}

.input:focus {
    outline: 2px solid var(--gold);
    outline-offset: 1px;
}

.phone {
    display: flex;
    height: 52px;
    border: 1px solid var(--line-2);
    border-radius: 12px;
    background: var(--field);
    overflow: hidden;
}

.phone:focus-within {
    outline: 2px solid var(--gold);
    outline-offset: 1px;
}

.phone-prefix {
    display: flex;
    align-items: center;
    padding: 0 16px;
    background: #F1EADA;
    border-right: 1px solid var(--line-2);
    font-size: 16px;
    font-weight: 600;
    color: var(--ink-2);
}

.phone input {
    flex-grow: 1;
    min-width: 0;
    border: 0;
    padding: 0 16px;
    background: transparent;
    font-size: 16px;
    color: var(--ink);
}

.phone input:focus {
    outline: none;
}

/* ---------- Upload tiles ---------- */
.upload {
    position: relative;
    display: flex;
    align-items: center;
    gap: 18px;
    padding: 20px 22px;
    border: 1.5px dashed var(--dash);
    border-radius: 16px;
    background: var(--tile);
    cursor: pointer;
    transition: border-color .15s, background .15s;
}

.upload:hover {
    border-color: var(--gold);
}

.upload:focus-within {
    outline: 2px solid var(--gold);
    outline-offset: 1px;
}

.upload.light {
    background: var(--field);
}

.upload.stack {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
    padding: 22px;
    height: 100%;
}

.upload.is-filled {
    border-style: solid;
    border-color: var(--gold);
    background: #FBF5E4;
}

.upload-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    width: 44px;
    height: 44px;
    border-radius: 22px;
    background: var(--forest);
    color: var(--gold-2);
}

.upload-icon.soft {
    background: var(--sand);
    color: var(--forest);
}

.upload.is-filled .upload-icon {
    background: #3D6B47;
    color: var(--paper);
}

.upload-copy {
    display: flex;
    flex-direction: column;
    gap: 3px;
    min-width: 0;
}

.upload-title {
    font-size: 16px;
    font-weight: 600;
}

.upload.stack .upload-title {
    font-family: var(--serif);
    font-size: 22px;
    font-weight: 400;
    line-height: 1.2;
}

.upload-hint {
    font-size: 13px;
    color: var(--muted);
}

.upload-file {
    font-size: 13px;
    font-weight: 600;
    color: #3D6B47;
    overflow: hidden;
    text-overflow: ellipsis;
    white-space: nowrap;
    max-width: 100%;
}

.file-list {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.file-list:empty {
    display: none;
}

.chip {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    max-width: 100%;
    padding: 6px 6px 6px 12px;
    background: var(--field);
    border: 1px solid var(--line-2);
    border-radius: 18px;
    font-size: 13px;
    color: var(--ink-2);
}

.chip span {
    overflow: hidden;
    text-overflow: ellipsis;
    white-space: nowrap;
    max-width: 220px;
}

.chip {
    position: relative;
    overflow: hidden;
}

.chip::before {
    content: "";
    position: absolute;
    inset: auto auto 0 0;
    width: var(--p, 0);
    height: 3px;
    background: var(--gold);
    transition: width .2s;
}

.chip em {
    font-style: normal;
    font-size: 12px;
    color: var(--muted);
    white-space: nowrap;
}

.chip-done {
    border-color: #B9CDA9;
}

.chip-done em {
    color: #3D6B47;
    font-weight: 600;
}

.chip-failed {
    border-color: #DDB89C;
}

.chip-failed em {
    color: #9A5A22;
}

.chip button {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 22px;
    height: 22px;
    border: 0;
    border-radius: 11px;
    background: var(--sand);
    color: var(--ink-2);
    cursor: pointer;
    font-size: 14px;
    line-height: 1;
}

.chip button:hover {
    background: var(--dash);
}

.stack-col {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.row-between {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    gap: 12px;
}

.sub {
    font-size: 14px;
    color: var(--muted);
}

/* Bank statements block */
.bank-box {
    display: flex;
    flex-direction: column;
    gap: 18px;
    padding: 28px 30px;
    border: 1px solid var(--line);
    border-radius: 20px;
    background: var(--cream);
}

.bank-head {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
    flex-wrap: wrap;
}

.bank-title {
    font-family: var(--serif);
    font-size: 26px;
}

.toggle-wrap {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 15px;
    color: var(--ink-2);
}

.toggle {
    display: flex;
    padding: 4px;
    gap: 4px;
    background: var(--sand);
    border-radius: 26px;
}

.toggle button {
    min-width: 64px;
    height: 44px;
    padding: 0 20px;
    border: 0;
    border-radius: 22px;
    background: transparent;
    color: var(--ink-2);
    font-size: 15px;
    font-weight: 500;
    cursor: pointer;
}

.toggle button[aria-pressed="true"] {
    background: var(--forest);
    color: var(--cream);
    font-weight: 600;
}

.months {
    display: grid;
    grid-template-columns: repeat(12, minmax(0, 1fr));
    gap: 5px;
}

.months div {
    height: 6px;
    border-radius: 3px;
    background: #DCD2BC;
    transition: background .2s;
}

.months div.on {
    background: var(--gold);
}

[hidden] {
    display: none !important;
}

/* ---------- Submit panel ---------- */
.submit-panel {
    display: flex;
    gap: 56px;
    margin-top: 40px;
    padding: 52px 60px;
    background: var(--forest);
    border-radius: 28px;
    color: var(--cream);
}

.submit-left {
    display: flex;
    flex-direction: column;
    gap: 18px;
    flex-grow: 1;
}

.submit-left .eyebrow {
    font-size: 13px;
    letter-spacing: 3px;
}

.submit-heading {
    font-family: var(--serif);
    font-size: 40px;
    line-height: 1.1;
    color: var(--paper);
}

.submit-heading em {
    color: var(--gold-2);
}

.checklist {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 12px 28px;
    margin: 6px 0 0;
    padding: 0;
    list-style: none;
}

.checklist li {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 15px;
    color: #D8D6CB;
}

.dot {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 16px;
    height: 16px;
    border-radius: 8px;
    border: 1.5px solid #8C927F;
    flex-shrink: 0;
}

.dot svg {
    display: none;
}

.checklist li.done {
    color: var(--paper);
}

.checklist li.done .dot {
    background: var(--gold);
    border-color: var(--gold);
}

.checklist li.done .dot svg {
    display: block;
}

.submit-right {
    display: flex;
    flex-direction: column;
    justify-content: center;
    gap: 16px;
    width: 300px;
    flex-shrink: 0;
    padding-left: 48px;
    border-left: 1px solid var(--forest-line);
}

.score {
    display: flex;
    align-items: baseline;
    gap: 10px;
}

.score strong {
    font-family: var(--serif);
    font-weight: 400;
    font-size: 56px;
    line-height: 1;
    color: var(--gold-2);
}

.score span {
    font-size: 14px;
    color: #C4C4B8;
}

.bar {
    height: 6px;
    border-radius: 3px;
    background: var(--forest-line);
    overflow: hidden;
}

.bar div {
    width: 0;
    height: 100%;
    background: var(--gold);
    transition: width .25s;
}

.submit-btn {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    height: 56px;
    margin-top: 8px;
    border: 0;
    border-radius: 28px;
    background: var(--gold);
    color: var(--forest);
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
    transition: background .15s;
}

.submit-btn:hover {
    background: var(--gold-2);
}

.submit-btn:disabled {
    background: #3A463F;
    color: #B9BFB5;
    cursor: not-allowed;
}

.spinner {
    display: none;
    width: 16px;
    height: 16px;
    border-radius: 50%;
    border: 2px solid rgba(185, 191, 181, .4);
    border-top-color: #B9BFB5;
    animation: spin .7s linear infinite;
}

.submit-btn.loading .spinner {
    display: inline-block;
}

@keyframes spin {
    to {
        transform: rotate(360deg);
    }
}

.submit-note {
    margin: 0;
    font-size: 13px;
    line-height: 1.5;
    color: #B9BFB5;
}

/* ---------- Floating checklist bar ---------- */
.float-bar {
    position: fixed;
    top: 14px;
    left: 50%;
    z-index: 50;
    display: flex;
    align-items: center;
    gap: 22px;
    width: min(1180px, calc(100% - 32px));
    padding: 12px 12px 12px 22px;
    background: rgba(18, 30, 24, .97);
    border: 1px solid var(--forest-line);
    border-radius: 22px;
    box-shadow: 0 18px 40px -18px rgba(18, 30, 24, .55);
    color: var(--cream);
    transform: translate(-50%, calc(-100% - 24px));
    opacity: 0;
    visibility: hidden;
    transition: transform .35s cubic-bezier(.2, .7, .2, 1), opacity .25s, visibility 0s .35s;
}

.float-bar.show {
    transform: translate(-50%, 0);
    opacity: 1;
    visibility: visible;
    transition: transform .35s cubic-bezier(.2, .7, .2, 1), opacity .25s;
}

.fb-progress {
    display: flex;
    flex-direction: column;
    gap: 6px;
    width: 92px;
    flex-shrink: 0;
}

.fb-progress div:first-child {
    display: flex;
    align-items: baseline;
    gap: 6px;
}

.fb-progress strong {
    font-family: var(--serif);
    font-weight: 400;
    font-size: 30px;
    line-height: 1;
    color: var(--gold-2);
}

.fb-progress span {
    font-size: 12px;
    color: #C4C4B8;
}

.fb-list {
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
    flex: 1;
    min-width: 0;
    margin: 0;
    padding: 0;
    list-style: none;
}

.fb-chip {
    display: flex;
    align-items: center;
    gap: 7px;
    height: 32px;
    padding: 0 12px 0 8px;
    border: 1px solid var(--forest-line);
    border-radius: 16px;
    background: transparent;
    color: #D8D6CB;
    font-size: 13px;
    cursor: pointer;
    white-space: nowrap;
    transition: background .15s, border-color .15s, color .15s;
}

.fb-chip:hover {
    border-color: var(--gold);
    color: var(--paper);
}

.fb-chip .dot {
    width: 14px;
    height: 14px;
}

.fb-chip.done {
    border-color: transparent;
    background: var(--forest-2);
    color: var(--paper);
}

.fb-chip.done .dot {
    background: var(--gold);
    border-color: var(--gold);
}

.fb-chip.done .dot svg {
    display: block;
}

.fb-next {
    display: none;
    flex: 1;
    min-width: 0;
    font-size: 13px;
    color: #D8D6CB;
    overflow: hidden;
    text-overflow: ellipsis;
    white-space: nowrap;
}

.fb-next b {
    color: var(--paper);
    font-weight: 600;
}

.float-bar .submit-btn {
    flex-shrink: 0;
    height: 48px;
    margin: 0;
    padding: 0 24px;
}

/* Ready to submit: gold glow + a short shake every few seconds */
.submit-btn.ready {
    animation: nudge 2.8s ease-in-out infinite, glow 2.8s ease-out infinite;
}

@keyframes nudge {

    0%,
    20%,
    100% {
        transform: none;
    }

    3% {
        transform: translateX(-6px) rotate(-1.5deg);
    }

    6% {
        transform: translateX(6px) rotate(1.5deg);
    }

    9% {
        transform: translateX(-5px) rotate(-1deg);
    }

    12% {
        transform: translateX(4px) rotate(.5deg);
    }

    15% {
        transform: translateX(-2px);
    }
}

@keyframes glow {
    0% {
        box-shadow: 0 0 0 0 rgba(201, 173, 98, .65);
    }

    35%,
    100% {
        box-shadow: 0 0 0 14px rgba(201, 173, 98, 0);
    }
}

@media (prefers-reduced-motion: reduce) {

    .submit-btn.ready,
    .float-bar,
    .float-bar.show {
        animation: none;
        transition: none;
    }
}

@media (max-width: 1100px) {
    .fb-list {
        display: none;
    }

    .fb-next {
        display: block;
    }
}

/* ---------- Footer ---------- */
.site-footer {
    display: flex;
    flex-direction: column;
    gap: 22px;
    padding: 44px 188px 48px;
    border-top: 1px solid var(--line);
}

.footer-top {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
    flex-wrap: wrap;
}

.footer-brand {
    display: flex;
    align-items: baseline;
    gap: 12px;
    flex-wrap: wrap;
}

.footer-logo {
    display: block;
    width: 160px;
    height: auto;
}

.footer-brand strong {
    font-family: var(--serif);
    font-weight: 400;
    font-size: 34px;
    letter-spacing: 2px;
}

.footer-brand strong i {
    font-style: normal;
    color: var(--gold);
}

.footer-brand span {
    font-size: 14px;
    letter-spacing: 3px;
    color: var(--ink-2);
}

.footer-contact {
    font-size: 17px;
    color: var(--ink-2);
}

.site-footer p,
.site-footer .copy {
    margin: 0;
    font-size: 14px;
    line-height: 1.6;
    color: var(--ink-2);
    text-align: center;
}

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
    .site-footer {
        padding: 40px 48px;
    }
}

@media (max-width: 900px) {
    .site-header {
        padding: 14px 24px;
    }

    .hero h1 {
        font-size: 52px;
    }

    .section-head h2 {
        font-size: 46px;
    }

    .app-card {
        padding: 40px 32px;
    }

    .grid-3 {
        grid-template-columns: 1fr;
    }

    .submit-panel {
        flex-direction: column;
        gap: 32px;
        padding: 40px 32px;
    }

    .submit-right {
        width: auto;
        padding-left: 0;
        padding-top: 28px;
        border-left: 0;
        border-top: 1px solid var(--forest-line);
    }
}

@media (max-width: 640px) {
    .float-bar {
        top: 8px;
        gap: 12px;
        width: calc(100% - 16px);
        padding: 8px 8px 8px 14px;
        border-radius: 18px;
    }

    .fb-progress {
        width: auto;
    }

    .fb-progress .bar,
    .fb-progress span {
        display: none;
    }

    .fb-progress strong {
        font-size: 26px;
    }

    .float-bar .submit-btn {
        height: 42px;
        padding: 0 16px;
        font-size: 14px;
    }

    .site-header {
        padding: 12px 16px;
    }

    .brand-wrap {
        gap: 14px;
    }

    .secure span,
    .header-contact>span {
        display: none;
    }

    .brand-logo {
        width: 84px;
    }

    .pill-btn {
        height: 40px;
        padding: 0 14px;
        font-size: 14px;
    }

    .hero {
        padding: 48px 16px 44px;
        gap: 18px;
    }

    .eyebrow {
        font-size: 12px;
        letter-spacing: 3px;
    }

    .hero h1 {
        font-size: 40px;
    }

    .hero p {
        font-size: 17px;
    }

    .form-section {
        padding: 56px 16px 72px;
        gap: 28px;
    }

    .section-head h2 {
        font-size: 40px;
    }

    .app-card {
        padding: 28px 18px;
        gap: 36px;
        border-radius: 22px;
    }

    .step-title h3 {
        font-size: 28px;
    }

    .grid-2,
    .checklist {
        grid-template-columns: 1fr;
    }

    .bank-box {
        padding: 20px 16px;
    }

    .submit-panel {
        padding: 32px 22px;
        border-radius: 22px;
    }

    .submit-heading {
        font-size: 32px;
    }

    .site-footer {
        padding: 36px 16px;
    }
}