/* ==========================================================================
   Keystone SBA — fintech design system (bespoke; not shared with other sites)
   Consumes theme tokens from css/theme.css (--brand-*).
   ========================================================================== */

:root {
  --primary: var(--brand-primary);
  --primary-deep: var(--brand-primary-deep);
  --primary-soft: var(--brand-primary-soft);
  --accent: var(--brand-accent);
  --accent-bright: var(--brand-accent-bright);
  --mint: var(--brand-accent-soft);
  --bg: var(--brand-bg);
  --surface: var(--brand-surface);
  --ink: var(--brand-ink);
  --muted: var(--brand-muted);
  --line: #e6ece9;
  --line-soft: #eef3f1;
  --white: #ffffff;

  --radius-sm: 10px;
  --radius: 16px;
  --radius-lg: 24px;
  --radius-pill: 999px;

  --shadow-xs: 0 1px 2px rgba(var(--shadow-rgb), 0.06);
  --shadow-sm: 0 4px 16px rgba(var(--shadow-rgb), 0.07);
  --shadow-md: 0 14px 40px rgba(var(--shadow-rgb), 0.10);
  --shadow-lg: 0 30px 70px rgba(var(--shadow-rgb), 0.16);
  --ring: 0 0 0 4px rgba(var(--shadow-rgb), 0.12);

  --max: 1140px;
  --serif: var(--brand-font-heading);   /* heading font (kept names generic) */
  --sans: var(--brand-font-body);
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation: none !important; transition: none !important; }
}

body {
  margin: 0;
  font-family: var(--sans);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; height: auto; display: block; }

h1, h2, h3, h4 {
  font-family: var(--serif);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin: 0 0 0.6em;
}
h1 { font-size: clamp(2.3rem, 5vw, 3.6rem); }
h2 { font-size: clamp(1.7rem, 3.2vw, 2.5rem); }
h3 { font-size: 1.25rem; font-weight: 700; }
p { margin: 0 0 1rem; }

a { color: var(--primary); text-decoration: none; transition: color 0.15s ease; }
a:hover { color: var(--accent); }

:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; border-radius: 6px; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 1.5rem; }
.muted { color: var(--muted); }
.eyebrow {
  display: inline-block;
  font-family: var(--sans);
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--primary-soft);
  margin: 0 0 0.75rem;
}
.eyebrow-line::before {
  content: ""; display: inline-block; width: 26px; height: 2px;
  background: var(--accent); vertical-align: middle; margin-right: 0.6rem;
}
.lede { font-size: 1.15rem; color: #36473f; }

.skip-link {
  position: absolute; left: -999px; top: 0.75rem; padding: 0.5rem 1rem;
  background: var(--primary); color: #fff; z-index: 100; border-radius: 8px;
}
.skip-link:focus { left: 0.75rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 0.5rem;
  font-family: var(--sans); font-weight: 700; font-size: 0.98rem;
  padding: 0.85rem 1.5rem; border-radius: var(--radius-pill);
  border: 1.5px solid transparent; cursor: pointer; transition: all 0.18s ease;
  text-decoration: none; line-height: 1;
}
.btn-arrow::after { content: "→"; transition: transform 0.18s ease; }
.btn-arrow:hover::after { transform: translateX(3px); }

.btn-primary, .btn-gold {
  background: linear-gradient(120deg, var(--primary) 0%, var(--primary-soft) 100%);
  color: #fff; box-shadow: var(--shadow-sm);
}
.btn-primary:hover, .btn-gold:hover { color: #fff; box-shadow: var(--shadow-md); transform: translateY(-1px); }

.btn-ghost { background: transparent; color: var(--ink); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--primary); color: var(--primary); background: var(--mint); }

.btn-secondary { background: var(--mint); color: var(--primary-deep); }
.btn-secondary:hover { background: #d4f0e2; color: var(--primary-deep); }

.btn-block { width: 100%; justify-content: center; }

.link { font-weight: 700; color: var(--primary); white-space: nowrap; }
.link::after { content: " →"; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: saturate(160%) blur(14px);
  -webkit-backdrop-filter: saturate(160%) blur(14px);
  border-bottom: 1px solid var(--line-soft);
}
.header-inner {
  max-width: var(--max); margin: 0 auto; padding: 0.85rem 1.5rem;
  display: flex; align-items: center; justify-content: space-between; gap: 1rem;
}
.logo {
  display: inline-flex; align-items: center; gap: 0.6rem;
  font-family: var(--serif); font-weight: 800; font-size: 1.18rem;
  color: var(--ink); letter-spacing: -0.02em; text-decoration: none;
}
.logo-mark {
  width: 34px; height: 34px; border-radius: 10px;
  background: linear-gradient(135deg, var(--accent) 0%, var(--primary) 100%);
  color: #fff; display: inline-flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 1.15rem; box-shadow: var(--shadow-xs);
}
.logo-sub { color: var(--primary-soft); }
.nav { display: flex; align-items: center; gap: 1.6rem; }
.nav a { color: #2b3b34; font-weight: 600; font-size: 0.95rem; }
.nav a:hover { color: var(--primary); }
.nav .nav-cta {
  background: var(--ink); color: #fff; padding: 0.6rem 1.1rem;
  border-radius: var(--radius-pill); font-weight: 700;
}
.nav .nav-cta:hover { background: var(--primary); color: #fff; }
.nav-toggle {
  display: none; background: var(--mint); border: none; color: var(--primary-deep);
  font-weight: 700; padding: 0.5rem 0.9rem; border-radius: var(--radius-pill); cursor: pointer;
}

@media (max-width: 860px) {
  .nav-toggle { display: inline-block; }
  .nav {
    position: absolute; top: 100%; left: 0; right: 0; flex-direction: column;
    align-items: stretch; gap: 0; background: #fff; padding: 0.5rem 1.5rem 1.25rem;
    border-bottom: 1px solid var(--line); box-shadow: var(--shadow-md);
    display: none;
  }
  .nav.is-open { display: flex; }
  .nav a { padding: 0.75rem 0; border-bottom: 1px solid var(--line-soft); }
  .nav .nav-cta { margin-top: 0.75rem; text-align: center; }
}

/* ---------- Hero (centered, calculator-led) ---------- */
.hero {
  position: relative; text-align: center; overflow: hidden;
  padding: clamp(3rem, 7vw, 6rem) 1.5rem clamp(3rem, 6vw, 5rem);
  background:
    radial-gradient(60% 60% at 50% -10%, var(--mint) 0%, rgba(255,255,255,0) 70%),
    radial-gradient(40% 40% at 85% 10%, rgba(47,224,138,0.10) 0%, rgba(255,255,255,0) 70%);
}
.hero-inner { max-width: 760px; margin: 0 auto; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 0.5rem;
  background: #fff; border: 1px solid var(--line); color: var(--primary-deep);
  font-weight: 600; font-size: 0.85rem; padding: 0.4rem 0.9rem;
  border-radius: var(--radius-pill); box-shadow: var(--shadow-xs); margin-bottom: 1.5rem;
}
.hero-badge .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--accent); }
.hero h1 { margin-bottom: 1rem; }
.hero h1 em { font-style: normal; color: var(--primary); }
.hero-sub { font-size: 1.2rem; color: #36473f; max-width: 620px; margin: 0 auto 2rem; }

/* Calculator card */
.calc {
  max-width: 560px; margin: 0 auto; text-align: left;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: 1.75rem;
}
.calc-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 0.4rem; }
.calc-head label { font-weight: 700; color: var(--ink); }
.calc-amount { font-family: var(--serif); font-weight: 800; font-size: 1.7rem; color: var(--primary); letter-spacing: -0.02em; }
.calc-slider {
  -webkit-appearance: none; appearance: none; width: 100%; height: 8px;
  border-radius: var(--radius-pill); margin: 0.75rem 0 0.4rem; cursor: pointer;
  background: linear-gradient(90deg, var(--primary) 0%, var(--accent) var(--calc-pct, 40%), var(--line) var(--calc-pct, 40%), var(--line) 100%);
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 26px; height: 26px; border-radius: 50%;
  background: #fff; border: 4px solid var(--primary); box-shadow: var(--shadow-sm); cursor: grab;
}
.calc-slider::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%; background: #fff;
  border: 4px solid var(--primary); box-shadow: var(--shadow-sm); cursor: grab;
}
.calc-ticks { display: flex; justify-content: space-between; font-size: 0.78rem; color: var(--muted); margin-bottom: 1.25rem; }
.calc-terms { display: flex; gap: 0.5rem; margin-bottom: 1.25rem; }
.calc-term {
  flex: 1; text-align: center; padding: 0.6rem 0.4rem; border: 1.5px solid var(--line);
  border-radius: var(--radius-sm); background: #fff; cursor: pointer; font-weight: 600;
  font-size: 0.9rem; color: var(--muted); transition: all 0.15s ease;
}
.calc-term.is-active { border-color: var(--primary); background: var(--mint); color: var(--primary-deep); }
.calc-result {
  display: flex; align-items: baseline; justify-content: space-between; gap: 1rem;
  background: var(--mint); border-radius: var(--radius); padding: 1rem 1.25rem; margin-bottom: 1.25rem;
}
.calc-result .calc-pay { font-family: var(--serif); font-weight: 800; font-size: 1.9rem; color: var(--primary-deep); letter-spacing: -0.02em; }
.calc-result .calc-pay-label { font-size: 0.85rem; color: var(--muted); }
.calc-disclaimer { font-size: 0.78rem; color: var(--muted); margin: 0.9rem 0 0; }

.logo-strip { margin-top: 2.5rem; }
.logo-strip-label { font-size: 0.8rem; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--muted); margin-bottom: 0.9rem; }
.logo-strip-row { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.5rem; }
.logo-strip-row span {
  font-weight: 700; color: #93a39b; font-size: 0.95rem;
  display: inline-flex; align-items: center; gap: 0.4rem;
}

/* ---------- Sections ---------- */
.section { padding: clamp(3rem, 6vw, 5.5rem) 0; }
.section-alt { background: var(--surface); }
.section-dark { background: var(--primary-deep); color: #dff3e9; }
.section-dark h2 { color: #fff; }
.section-head { display: flex; align-items: flex-end; justify-content: space-between; gap: 1.5rem; margin-bottom: 2rem; flex-wrap: wrap; }
.section-head h2 { margin: 0; }
.section-center { text-align: center; max-width: 640px; margin: 0 auto 2.5rem; }

/* ---------- Program cards ---------- */
.program-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 1.25rem; }
.program-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.6rem; transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
}
.program-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: transparent; }
.program-card .tag {
  display: inline-block; font-weight: 700; font-size: 0.75rem; letter-spacing: 0.05em;
  text-transform: uppercase; color: var(--primary); background: var(--mint);
  padding: 0.3rem 0.7rem; border-radius: var(--radius-pill); margin-bottom: 0.9rem;
}
.program-card h3 { margin-bottom: 0.5rem; }
.program-card p { color: var(--muted); font-size: 0.97rem; margin: 0; }
.program-card .amount { font-family: var(--serif); font-weight: 800; font-size: 1.6rem; color: var(--ink); margin: 0.2rem 0 0.6rem; letter-spacing: -0.02em; }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 1.25rem; counter-reset: step; }
.step { position: relative; padding: 1.5rem; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); }
.step .num {
  width: 38px; height: 38px; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center;
  background: var(--primary); color: #fff; font-family: var(--serif); font-weight: 800; margin-bottom: 0.9rem;
}
.step h3 { margin-bottom: 0.4rem; }
.step p { color: var(--muted); margin: 0; font-size: 0.97rem; }

/* ---------- Two-column split ---------- */
.split { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 3rem; align-items: center; }
@media (max-width: 860px) { .split { grid-template-columns: 1fr; gap: 2rem; } }
.checklist { list-style: none; padding: 0; margin: 1.25rem 0 0; }
.checklist li { position: relative; padding-left: 2rem; margin-bottom: 0.8rem; color: #36473f; }
.checklist li::before {
  content: "✓"; position: absolute; left: 0; top: 0; width: 22px; height: 22px;
  background: var(--mint); color: var(--primary); border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center; font-size: 0.8rem; font-weight: 800;
}

/* ---------- Stats band ---------- */
.stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 1.5rem; text-align: center; }
.stat strong { display: block; font-family: var(--serif); font-weight: 800; font-size: clamp(2rem, 4vw, 2.8rem); color: var(--primary); letter-spacing: -0.03em; }
.section-dark .stat strong { color: var(--accent-bright); }
.stat span { font-size: 0.92rem; color: var(--muted); }
.section-dark .stat span { color: #b9d8ca; }

/* ---------- Quotes ---------- */
.quote-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 1.25rem; }
.quote { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.75rem; box-shadow: var(--shadow-xs); }
.quote .kicker { font-family: var(--serif); font-weight: 700; font-size: 1.1rem; color: var(--primary-deep); margin: 0 0 0.75rem; }
.quote p.body { font-size: 1.02rem; color: #36473f; margin: 0 0 1rem; }
.quote .who { font-size: 0.88rem; color: var(--muted); margin: 0; }

/* ---------- FAQ (native accordion) ---------- */
.faq { max-width: 760px; margin: 0 auto; }
.faq details { border-bottom: 1px solid var(--line); padding: 0.4rem 0; }
.faq summary {
  list-style: none; cursor: pointer; font-family: var(--serif); font-weight: 700;
  font-size: 1.08rem; color: var(--ink); padding: 0.9rem 2rem 0.9rem 0; position: relative;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; position: absolute; right: 0; top: 50%; transform: translateY(-50%);
  font-weight: 700; color: var(--primary); font-size: 1.3rem;
}
.faq details[open] summary::after { content: "−"; }
.faq details p { color: var(--muted); padding: 0 0 1rem; margin: 0; }

/* ---------- CTA ---------- */
.cta { padding: clamp(3rem, 6vw, 5rem) 0; }
.cta-inner {
  max-width: var(--max); margin: 0 auto;
  background: linear-gradient(130deg, var(--primary-deep) 0%, var(--primary) 60%, var(--primary-soft) 100%);
  border-radius: var(--radius-lg); padding: clamp(2.25rem, 4vw, 3.5rem);
  display: flex; align-items: center; justify-content: space-between; gap: 2rem; flex-wrap: wrap;
  box-shadow: var(--shadow-lg); position: relative; overflow: hidden;
}
.cta-inner::before {
  content: ""; position: absolute; right: -60px; top: -60px; width: 240px; height: 240px;
  border-radius: 50%; background: rgba(47, 224, 138, 0.18);
}
.cta-inner h2 { color: #fff; margin: 0 0 0.5rem; position: relative; }
.cta-inner p { color: #cdeedd; margin: 0; max-width: 46ch; position: relative; }
.cta-actions { display: flex; gap: 0.75rem; flex-wrap: wrap; position: relative; }
.cta .btn-ghost { border-color: rgba(255,255,255,0.4); color: #fff; }
.cta .btn-ghost:hover { background: rgba(255,255,255,0.12); border-color: #fff; color: #fff; }

/* ---------- Footer ---------- */
.site-footer { background: var(--surface); border-top: 1px solid var(--line); padding: 3rem 0 1.5rem; }
.footer-inner {
  max-width: var(--max); margin: 0 auto; padding: 0 1.5rem;
  display: grid; grid-template-columns: 1.6fr repeat(3, 1fr); gap: 2rem;
}
@media (max-width: 720px) { .footer-inner { grid-template-columns: 1fr 1fr; } }
.footer-brand p { color: var(--muted); font-size: 0.92rem; margin: 1rem 0 0; max-width: 34ch; }
.footer-col h4 { font-size: 0.95rem; margin: 0 0 0.9rem; }
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: 0.5rem; }
.footer-col a { color: var(--muted); font-size: 0.92rem; }
.footer-col a:hover { color: var(--primary); }
.footer-bottom {
  max-width: var(--max); margin: 2.5rem auto 0; padding: 1.25rem 1.5rem 0;
  border-top: 1px solid var(--line); display: flex; justify-content: space-between; gap: 1rem;
  flex-wrap: wrap; font-size: 0.82rem; color: var(--muted);
}

/* reveal */
[data-reveal] { opacity: 0; transform: translateY(16px); transition: opacity 0.6s ease, transform 0.6s ease; }
[data-reveal].is-revealed { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { [data-reveal] { opacity: 1; transform: none; } }

/* ==========================================================================
   APPLICATION WIZARD (.applyform-*) — themed to the fintech system.
   Class names match the shared engine in js/apply.js; do not rename.
   ========================================================================== */

.apply-hero { padding: clamp(2.5rem, 5vw, 4rem) 0 clamp(2.5rem, 5vw, 4rem);
  background: radial-gradient(60% 50% at 50% 0%, var(--mint) 0%, rgba(255,255,255,0) 70%); }
.apply-container { max-width: 760px; margin: 0 auto; padding: 0 1.5rem; }
.apply-hero-head { text-align: center; margin-bottom: 2rem; }
.apply-hero-head h1 { margin-bottom: 0.75rem; }
.apply-hero-lede { font-size: 1.1rem; color: #36473f; max-width: 56ch; margin: 0 auto; }

.applyform { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-md); }
.applyform-inner { padding: clamp(1.5rem, 3vw, 2.5rem); }
.applyform-progress { display: flex; align-items: center; gap: 1rem; margin-bottom: 2rem; }
.applyform-progress-bar { flex: 1; height: 8px; background: var(--line); border-radius: var(--radius-pill); overflow: hidden; }
.applyform-progress-fill { height: 100%; width: 8%; border-radius: var(--radius-pill);
  background: linear-gradient(90deg, var(--primary), var(--accent)); transition: width 0.35s ease; }
.applyform-progress-label { font-size: 0.82rem; font-weight: 700; color: var(--muted); white-space: nowrap; }

.applyform-step { display: none; border: 0; margin: 0; padding: 0; min-width: 0; }
.applyform-step.is-active { display: block; animation: stepIn 0.35s ease; }
@keyframes stepIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
.applyform-section-tag { display: inline-block; font-weight: 700; font-size: 0.72rem; letter-spacing: 0.06em;
  text-transform: uppercase; color: var(--primary); background: var(--mint); padding: 0.3rem 0.7rem; border-radius: var(--radius-pill); }
.applyform-step-num { display: block; font-size: 0.8rem; font-weight: 600; color: var(--muted); margin: 0.9rem 0 0.3rem; padding: 0; }
.applyform-step h3 { font-size: clamp(1.4rem, 2.6vw, 1.9rem); margin: 0.2rem 0 0.5rem; }
.applyform-help { color: var(--muted); margin-bottom: 1.5rem; }

.applyform-options { display: grid; gap: 0.75rem; }
.applyform-option { display: flex; align-items: center; gap: 0.85rem; padding: 1rem 1.1rem; border: 1.5px solid var(--line);
  border-radius: var(--radius); cursor: pointer; transition: all 0.15s ease; }
.applyform-option:hover { border-color: var(--primary-soft); background: var(--surface); }
.applyform-option input { position: absolute; opacity: 0; pointer-events: none; }
.applyform-option:has(input:checked) { border-color: var(--primary); background: var(--mint); box-shadow: var(--ring); }
.applyform-option-key { width: 28px; height: 28px; flex: none; display: inline-flex; align-items: center; justify-content: center;
  border-radius: 8px; background: #fff; border: 1.5px solid var(--line); font-weight: 700; font-size: 0.85rem; color: var(--muted); }
.applyform-option:has(input:checked) .applyform-option-key { background: var(--primary); border-color: var(--primary); color: #fff; }
.applyform-option-text { font-weight: 600; }

.applyform-grid { display: grid; gap: 1rem; }
.applyform-grid-2 { grid-template-columns: 1fr 1fr; }
.applyform-grid-address { grid-template-columns: 1fr 1fr 0.7fr 0.7fr; }
@media (max-width: 640px) { .applyform-grid-2, .applyform-grid-address { grid-template-columns: 1fr; } }
.applyform-field { display: flex; flex-direction: column; min-width: 0; }
.applyform-label { font-weight: 600; font-size: 0.9rem; margin-bottom: 0.4rem; color: var(--ink); }
.applyform-input, .applyform-select {
  font-family: var(--sans); font-size: 1rem; padding: 0.8rem 1rem; border: 1.5px solid var(--line);
  border-radius: var(--radius-sm); background: #fff; color: var(--ink); width: 100%; transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.applyform-input:focus, .applyform-select:focus { outline: none; border-color: var(--primary); box-shadow: var(--ring); }
.applyform-input.is-locked, .applyform-select.is-locked { background: var(--surface); color: var(--muted); }
.applyform-privacy, .applyform-legal { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-sm);
  padding: 0.9rem 1.1rem; font-size: 0.9rem; color: var(--muted); margin-bottom: 1.25rem; }

.applyform-toggle { display: inline-flex; align-items: center; gap: 0.6rem; font-weight: 600; font-size: 0.92rem; cursor: pointer; margin-bottom: 1.1rem; }
.applyform-toggle input { position: absolute; opacity: 0; }
.applyform-toggle-box { width: 42px; height: 24px; border-radius: var(--radius-pill); background: var(--line); position: relative; transition: background 0.18s ease; flex: none; }
.applyform-toggle-box::after { content: ""; position: absolute; top: 3px; left: 3px; width: 18px; height: 18px; border-radius: 50%; background: #fff; transition: transform 0.18s ease; box-shadow: var(--shadow-xs); }
.applyform-toggle input:checked + .applyform-toggle-box { background: var(--primary); }
.applyform-toggle input:checked + .applyform-toggle-box::after { transform: translateX(18px); }

/* slider (funding / ownership) */
.applyform-slider-wrap { margin: 0.5rem 0 1rem; }
.applyform-slider-display { display: flex; align-items: baseline; gap: 0.6rem; margin-bottom: 0.75rem; }
.applyform-slider-value { font-family: var(--serif); font-weight: 800; font-size: 2rem; color: var(--primary); letter-spacing: -0.02em; }
.applyform-slider-caption { font-size: 0.85rem; color: var(--muted); }
.applyform-slider { -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: var(--radius-pill); cursor: pointer;
  background: linear-gradient(90deg, var(--primary) 0%, var(--accent) var(--applyform-slider-pct, 35%), var(--line) var(--applyform-slider-pct, 35%), var(--line) 100%); }
.applyform-slider::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 26px; height: 26px; border-radius: 50%; background: #fff; border: 4px solid var(--primary); box-shadow: var(--shadow-sm); cursor: grab; }
.applyform-slider::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: #fff; border: 4px solid var(--primary); box-shadow: var(--shadow-sm); cursor: grab; }
.applyform-slider-ticks { display: flex; justify-content: space-between; font-size: 0.78rem; color: var(--muted); margin-top: 0.5rem; }

/* dropzone */
.applyform-dropzone { display: flex; flex-direction: column; align-items: center; gap: 0.6rem; text-align: center;
  padding: 2rem 1.5rem; border: 2px dashed var(--line-soft); border-radius: var(--radius); background: var(--surface);
  cursor: pointer; transition: all 0.15s ease; }
.applyform-dropzone:hover, .applyform-dropzone.is-dragging { border-color: var(--primary); background: var(--mint); }
.applyform-dropzone input[type="file"] { position: absolute; opacity: 0; width: 0; height: 0; }
.applyform-dropzone-icon { width: 48px; height: 48px; border-radius: 50%; background: var(--mint); color: var(--primary);
  display: inline-flex; align-items: center; justify-content: center; }
.applyform-dropzone-text strong { color: var(--primary); }
.applyform-dropzone-hint { display: block; font-size: 0.82rem; color: var(--muted); margin-top: 0.25rem; }
.applyform-filelist { list-style: none; padding: 0; margin: 1rem 0 0; display: grid; gap: 0.5rem; }
.applyform-filelist-item { display: flex; align-items: center; gap: 0.6rem; padding: 0.6rem 0.8rem; border: 1px solid var(--line); border-radius: var(--radius-sm); font-size: 0.9rem; }
.applyform-filelist-icon { color: var(--primary); display: inline-flex; }
.applyform-filelist-name { flex: 1; font-weight: 600; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.applyform-filelist-size { color: var(--muted); font-size: 0.82rem; }
.applyform-filelist-remove { background: none; border: none; color: var(--muted); font-size: 1.2rem; cursor: pointer; line-height: 1; }
.applyform-filelist-remove:hover { color: #c0392b; }

.applyform-error { color: #c0392b; font-size: 0.9rem; font-weight: 600; min-height: 1.2em; margin: 0.75rem 0 0; }

/* states */
.applyform-state { display: none; text-align: center; padding: 2rem 1rem; }
.applyform-state.is-active { display: block; animation: stepIn 0.35s ease; }
.applyform-spinner { width: 44px; height: 44px; border-radius: 50%; border: 4px solid var(--line); border-top-color: var(--primary); margin: 0 auto 1.25rem; animation: spin 0.8s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.applyform-check { width: 56px; height: 56px; border-radius: 50%; background: var(--mint); color: var(--primary); font-size: 1.8rem; display: inline-flex; align-items: center; justify-content: center; margin-bottom: 1rem; }
.applyform-banner { display: none; background: #fff4e5; border: 1px solid #f0c987; color: #92400e; border-radius: var(--radius-sm); padding: 1rem 1.1rem; margin-top: 1.25rem; font-size: 0.92rem; }
.applyform-banner.is-active { display: block; }

.applyform-nav { display: flex; align-items: center; justify-content: space-between; gap: 1rem; margin-top: 2rem; }
.applyform-nav-hint { font-size: 0.82rem; color: var(--muted); }
.applyform-nav-hint kbd { background: var(--surface); border: 1px solid var(--line); border-radius: 5px; padding: 0.1rem 0.4rem; font-size: 0.78rem; }
.applyform-btn { font-family: var(--sans); font-weight: 700; padding: 0.8rem 1.5rem; border-radius: var(--radius-pill); border: 1.5px solid transparent; cursor: pointer; }
.applyform-btn-back { background: transparent; color: var(--muted); border-color: var(--line); }
.applyform-btn-back:hover { color: var(--ink); border-color: var(--primary); }
.applyform-btn-arrow { background: linear-gradient(120deg, var(--primary), var(--primary-soft)); color: #fff; box-shadow: var(--shadow-sm); }
.applyform-btn-arrow:hover { box-shadow: var(--shadow-md); transform: translateY(-1px); }

/* apply trust cards + FAQ on apply page */
.apply-trust { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 1.25rem; margin-top: 2.5rem; }
.apply-trust-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.5rem; }
.apply-trust-card .card-tag { display: inline-block; font-weight: 700; font-size: 0.72rem; letter-spacing: 0.05em; text-transform: uppercase; color: var(--primary); margin-bottom: 0.6rem; }
.apply-trust-card h3 { margin-bottom: 0.4rem; }
.apply-trust-card p { color: var(--muted); font-size: 0.95rem; margin: 0; }

/* ==========================================================================
   TEAM + RESULTS (credibility pages)
   ========================================================================== */
.page-hero { text-align: center; padding: clamp(2.5rem, 5vw, 4rem) 0 1rem;
  background: radial-gradient(55% 50% at 50% 0%, var(--mint) 0%, rgba(255,255,255,0) 70%); }
.page-hero .container { max-width: 720px; }
.page-hero h1 { margin-bottom: 0.75rem; }
.page-hero p { font-size: 1.15rem; color: #36473f; margin: 0 auto; max-width: 56ch; }

.team-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 1.5rem; }
.team-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); text-align: center;
  padding: 1.9rem 1.4rem 1.7rem; transition: transform 0.18s ease, box-shadow 0.18s ease; }
.team-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.team-photo { display: flex; justify-content: center; margin-bottom: 1.1rem; }
.team-photo img {
  width: 132px; height: 132px; object-fit: cover; object-position: center 38%; border-radius: 50%;
  box-shadow: 0 8px 22px rgba(var(--shadow-rgb), 0.18); transition: transform 0.4s ease;
}
.team-card:hover .team-photo img { transform: scale(1.04); }
.team-body { padding: 0; }
.team-body h3 { margin: 0 0 0.15rem; }
.team-role { display: block; font-weight: 600; font-size: 0.85rem; color: var(--primary-soft); margin-bottom: 0.6rem; }
.team-bio { color: var(--muted); font-size: 0.93rem; margin: 0; }

.case-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 1.5rem; }
.case-card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); padding: 1.6rem; transition: transform 0.18s ease, box-shadow 0.18s ease; }
.case-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.case-tags { display: flex; flex-wrap: wrap; gap: 0.4rem; margin-bottom: 0.9rem; }
.case-tag { font-weight: 700; font-size: 0.72rem; letter-spacing: 0.04em; text-transform: uppercase;
  color: var(--primary); background: var(--mint); padding: 0.3rem 0.65rem; border-radius: var(--radius-pill); }
.case-tag.muted-tag { color: var(--muted); background: var(--surface); border: 1px solid var(--line); }
.case-card h3 { font-size: 1.18rem; margin-bottom: 0.5rem; }
.case-card p { color: var(--muted); font-size: 0.95rem; margin: 0 0 1.25rem; }
.case-metrics { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.5rem; margin-top: auto;
  padding-top: 1.1rem; border-top: 1px solid var(--line); }
.case-metric strong { display: block; font-family: var(--serif); font-weight: 800; font-size: 1.25rem;
  color: var(--primary-deep); letter-spacing: -0.02em; }
.case-metric span { font-size: 0.78rem; color: var(--muted); }