/* ============================================================
   APPLICATION PAGE
   ============================================================ */
.apply-page {
  background:
    radial-gradient(60% 40% at 85% 0%, rgba(200, 250, 75, 0.16), transparent 70%),
    #f3f5ed;
}

.app-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.9);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
}

.app-header__inner {
  display: flex;
  align-items: center;
  gap: 24px;
  min-height: 76px;
}

.app-header__secure {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  margin-left: auto;
  color: #4b6c5c;
  font-size: 11.5px;
  font-weight: 600;
}

.app-header__secure .icon {
  width: 17px;
  height: 17px;
  color: #3f8a2b;
}

.app-header .btn--text {
  color: var(--muted);
  font-weight: 600;
}

.app-header .btn--text:hover {
  color: var(--ink);
}

.apply-shell {
  padding: 50px 0 76px;
}

.apply-heading {
  max-width: 760px;
  margin-bottom: 32px;
}

.apply-heading h1 {
  margin-top: 14px;
  font-family: var(--font);
  font-size: clamp(38px, 4.6vw, 56px);
  font-weight: 800;
  letter-spacing: -0.05em;
  line-height: 1;
}

.apply-heading p {
  max-width: 600px;
  margin-top: 14px;
  color: var(--muted);
  font-size: 16px;
  line-height: 1.55;
}

.apply-grid {
  display: grid;
  grid-template-columns: 348px minmax(0, 1fr);
  align-items: start;
  gap: 24px;
}

/* ---------- loan summary ---------- */
.loan-summary {
  position: sticky;
  top: 100px;
  overflow: hidden;
  padding: 26px;
  color: #fff;
  background:
    radial-gradient(80% 60% at 100% 0%, rgba(200, 250, 75, 0.2), transparent 65%),
    var(--ink);
  border-radius: 28px;
  box-shadow: 0 20px 50px rgba(8, 43, 30, 0.16);
}

.loan-summary::after {
  content: "";
  position: absolute;
  right: -55px;
  bottom: -75px;
  width: 190px;
  height: 190px;
  border: 1px dashed rgba(255, 255, 255, 0.15);
  border-radius: 50%;
  pointer-events: none;
}

.loan-summary__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  color: rgba(255, 255, 255, 0.5);
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.loan-summary__rate {
  display: grid;
  place-items: center;
  min-width: 52px;
  height: 30px;
  color: var(--ink);
  background: var(--lime);
  border-radius: 9px;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: -0.02em;
  text-transform: none;
}

.loan-summary__rate.is-interest {
  background: var(--peach);
}

.loan-summary__amount {
  position: relative;
  z-index: 1;
  margin-top: 18px;
  color: var(--lime);
  font-family: var(--font);
  font-size: 41px;
  font-weight: 800;
  letter-spacing: -0.05em;
  line-height: 1;
}

.loan-summary__term {
  position: relative;
  z-index: 1;
  margin-top: 6px;
  color: rgba(255, 255, 255, 0.52);
  font-size: 12.5px;
}

.loan-summary__rows {
  position: relative;
  z-index: 1;
  margin-top: 22px;
  padding: 16px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.loan-summary__rows div {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 5px 0;
}

.loan-summary__rows span {
  color: rgba(255, 255, 255, 0.48);
  font-size: 12px;
}

.loan-summary__rows strong {
  font-size: 13px;
  font-weight: 700;
}

.loan-summary__rows div:last-child strong {
  color: var(--lime);
}

.loan-summary__progress {
  position: relative;
  z-index: 1;
  margin-top: 20px;
}

.loan-summary__progress > div:first-child {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 8px;
  color: rgba(255, 255, 255, 0.48);
  font-size: 11px;
}

.loan-summary__progress strong {
  color: #fff;
  font-size: 11px;
}

.loan-summary__bar {
  height: 5px;
  overflow: hidden;
  background: rgba(255, 255, 255, 0.14);
  border-radius: 99px;
}

.loan-summary__bar i {
  display: block;
  height: 100%;
  background: var(--lime);
  border-radius: inherit;
  transition: width 350ms ease;
}

.loan-summary__edit {
  position: relative;
  z-index: 1;
  display: inline-flex;
  align-items: center;
  gap: 7px;
  margin-top: 18px;
  color: rgba(255, 255, 255, 0.68);
  font-size: 11.5px;
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.loan-summary__edit:hover {
  color: var(--lime);
}

.loan-summary__edit .icon {
  width: 14px;
  height: 14px;
}

.loan-summary__trust {
  position: relative;
  z-index: 1;
  display: flex;
  gap: 10px;
  margin-top: 22px;
  padding: 13px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 13px;
}

.loan-summary__trust .icon {
  width: 19px;
  height: 19px;
  flex: none;
  margin-top: 1px;
  color: var(--lime);
}

.loan-summary__trust p {
  color: rgba(255, 255, 255, 0.52);
  font-size: 10.5px;
  line-height: 1.45;
}

.loan-summary__trust strong {
  display: block;
  margin-bottom: 2px;
  color: #fff;
  font-size: 11px;
}

.loan-summary__help {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  margin-top: 20px;
  padding-top: 17px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 10.5px;
}

.loan-summary__help span {
  color: rgba(255, 255, 255, 0.45);
}

.loan-summary__help a {
  color: #fff;
  font-size: 12px;
  font-weight: 700;
}

.loan-summary__help a:hover {
  color: var(--lime);
}

/* ---------- form card ---------- */
.form-card {
  min-width: 0;
  padding: 32px 36px 28px;
  background: #fff;
  border: 1px solid #e8ebe2;
  border-radius: 30px;
  box-shadow: 0 16px 45px rgba(8, 43, 30, 0.06);
}

.form-progress {
  display: flex;
  margin-bottom: 36px;
  padding-bottom: 26px;
  border-bottom: 1px solid var(--line);
}

.form-progress li {
  position: relative;
  display: flex;
  flex: 1;
  align-items: center;
  gap: 8px;
  min-width: 0;
  color: var(--muted-2);
}

.form-progress li:not(:last-child)::after {
  content: "";
  position: absolute;
  top: 17px;
  left: calc(50% + 24px);
  right: calc(-50% + 24px);
  height: 1.5px;
  background: #e7eae1;
}

.form-progress li.is-done:not(:last-child)::after {
  background: var(--lime-strong);
}

.form-progress__dot {
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  flex: none;
  background: #f2f4ed;
  border: 1.5px solid #e2e6dc;
  border-radius: 50%;
  font-size: 12px;
  font-weight: 800;
  transition: background 200ms ease, color 200ms ease, border-color 200ms ease, box-shadow 200ms ease;
}

.form-progress__label {
  max-width: 80px;
  font-size: 11px;
  font-weight: 600;
  line-height: 1.25;
}

.form-progress li.is-active {
  color: var(--ink);
  z-index: 1;
}

.form-progress li.is-active .form-progress__dot {
  color: #fff;
  background: var(--ink);
  border-color: var(--ink);
  box-shadow: 0 0 0 4px var(--lime-soft);
}

.form-progress li.is-done .form-progress__dot {
  color: var(--ink);
  background: var(--lime);
  border-color: var(--lime);
}

.form-progress li.is-done .form-progress__label {
  color: var(--ink-soft);
}

.form-mobile-step {
  display: none;
}

.form-alert {
  margin-bottom: 22px;
  padding: 13px 16px;
  color: #8a2f20;
  background: #fff2ed;
  border: 1px solid #f4c9bb;
  border-radius: 12px;
  font-size: 13px;
  line-height: 1.45;
}

.form-step {
  animation: step-in 280ms ease both;
}

.form-step[hidden] {
  display: none;
}

@keyframes step-in {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.form-step__head {
  margin-bottom: 28px;
}

.form-step__kicker {
  display: inline-block;
  margin-bottom: 8px;
  color: var(--muted-2);
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.form-step__head h2 {
  font-family: var(--font);
  font-size: clamp(28px, 3.6vw, 38px);
  font-weight: 800;
  letter-spacing: -0.045em;
  line-height: 1.05;
}

.form-step__head p {
  max-width: 570px;
  margin-top: 10px;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.55;
}

/* ---------- fields ---------- */
.form-grid {
  display: grid;
  gap: 18px;
}

.form-grid--2 {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.field {
  display: flex;
  flex-direction: column;
  gap: 7px;
  margin-bottom: 18px;
}

.form-grid .field {
  margin-bottom: 0;
}

.form-grid + .field {
  margin-top: 18px;
}

.field__label {
  color: var(--ink-soft);
  font-size: 12.5px;
  font-weight: 700;
}

.input {
  width: 100%;
  height: 52px;
  padding: 0 15px;
  color: var(--ink);
  background: #fbfcf8;
  border: 1.5px solid #dde3d8;
  border-radius: 13px;
  font-size: 15px;
  outline: none;
  transition: border-color 160ms ease, box-shadow 160ms ease, background 160ms ease;
}

.input::placeholder {
  color: #a7b1aa;
  font-size: 14px;
}

.input:hover {
  border-color: #c7d1c1;
}

.input:focus {
  background: #fff;
  border-color: var(--ink);
  box-shadow: 0 0 0 4px rgba(200, 250, 75, 0.3);
}

.input.is-invalid {
  background: #fff8f5;
  border-color: #d97157;
  box-shadow: 0 0 0 3px rgba(217, 113, 87, 0.12);
}

.input[type="date"] {
  min-height: 52px;
  color-scheme: light;
}

.field__hint {
  color: var(--muted-2);
  font-size: 10.5px;
  line-height: 1.35;
}

.field__hint--standalone {
  display: block;
  margin-top: 8px;
  margin-bottom: 20px;
}

.field__error {
  display: none;
  color: #b8432e;
  font-size: 11.5px;
  font-weight: 600;
  line-height: 1.35;
}

.field__error:not(:empty) {
  display: block;
}

.field__error--block {
  margin-top: 6px;
}

.input-wrap {
  position: relative;
  display: block;
}

.input-wrap .input {
  padding-left: 44px;
}

.input-wrap__icon {
  position: absolute;
  z-index: 1;
  top: 50%;
  left: 15px;
  width: 18px;
  height: 18px;
  color: var(--muted);
  transform: translateY(-50%);
  pointer-events: none;
}

.input-wrap--money .input {
  padding-right: 78px;
  padding-left: 15px;
}

.input-wrap__suffix {
  position: absolute;
  top: 50%;
  right: 14px;
  color: var(--muted);
  font-size: 11.5px;
  font-weight: 600;
  transform: translateY(-50%);
  pointer-events: none;
}

.field > .input-wrap + .field__error {
  margin-top: 0;
}

/* ---------- phone verification ---------- */
.phone-verify {
  margin: 4px 0 4px;
  padding: 15px;
  background: #f8faf3;
  border: 1px solid #e3e9dc;
  border-radius: 15px;
}

.phone-verify__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 8px;
}

.phone-verify__head > span:first-child {
  color: var(--ink);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.phone-verify__state {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 4px 8px;
  color: #97621d;
  background: #fff5dc;
  border-radius: 999px;
  font-size: 9px;
  font-weight: 700;
}

.phone-verify__state::before {
  content: "";
  width: 5px;
  height: 5px;
  background: currentColor;
  border-radius: 50%;
}

.phone-verify__state.is-waiting {
  color: #8a5d1c;
  background: #fff3d7;
}

.phone-verify__state.is-ok {
  color: #3f7528;
  background: #edf8e3;
}

.phone-verify__intro p,
.phone-verify__code > p {
  max-width: 540px;
  color: var(--muted);
  font-size: 11.5px;
  line-height: 1.5;
}

.phone-verify__intro p strong,
.phone-verify__code > p strong {
  color: var(--ink-soft);
  font-weight: 700;
}

.phone-verify__intro .btn {
  margin-top: 10px;
  min-height: 38px;
  font-size: 11.5px;
}

.phone-verify__row {
  display: flex;
  gap: 8px;
  margin-top: 10px;
}

.phone-verify__input {
  width: 118px;
  height: 42px;
  padding: 0 12px;
  color: var(--ink);
  background: #fff;
  border: 1.5px solid #d6dfcf;
  border-radius: 10px;
  font-size: 19px;
  font-weight: 800;
  letter-spacing: 0.22em;
  text-align: center;
  outline: 0;
}

.phone-verify__input:focus {
  border-color: var(--ink);
  box-shadow: 0 0 0 3px rgba(200, 250, 75, 0.3);
}

.phone-verify__row .btn {
  min-height: 42px;
  padding: 0 18px;
  font-size: 12px;
}

.phone-verify__repeat {
  margin-top: 8px;
  padding: 0;
  color: var(--muted);
  background: transparent;
  border: 0;
  font-size: 9.5px;
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.phone-verify__repeat:hover {
  color: var(--ink);
}

.phone-verify__error {
  display: block;
  margin-top: 7px;
  color: #b8432e;
  font-size: 10.5px;
  font-weight: 600;
  line-height: 1.4;
}

.phone-verify__done {
  display: flex;
  align-items: center;
  gap: 9px;
  color: #3f7528;
}

.phone-verify__done-icon {
  display: grid;
  place-items: center;
  width: 28px;
  height: 28px;
  flex: none;
  color: var(--ink);
  background: var(--lime);
  border-radius: 50%;
  font-size: 13px;
  font-weight: 800;
}

.phone-verify__done strong {
  display: block;
  font-size: 11.5px;
}

.phone-verify__done small {
  display: block;
  margin-top: 1px;
  color: #5f7a50;
  font-size: 9px;
}

.phone-verify.is-verified {
  background: #f3fae8;
  border-color: #d8eab8;
}

/* ---------- upload ---------- */
.selfie-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.4fr) minmax(200px, 0.6fr);
  gap: 22px;
  align-items: start;
}

.upload {
  position: relative;
  min-height: 306px;
  overflow: hidden;
  background: #fafbf6;
  border: 1.5px dashed #cdd7c7;
  border-radius: 19px;
  transition: border-color 180ms ease, background 180ms ease;
}

.upload.is-dragover {
  background: #f5fbe7;
  border-color: #8bc34a;
}

.upload.has-photo {
  border-style: solid;
  border-color: #dfe5d9;
}

.upload__empty {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  min-height: 300px;
  padding: 28px 20px;
  text-align: center;
}

.upload__icon {
  display: grid;
  place-items: center;
  width: 58px;
  height: 58px;
  color: var(--ink);
  background: var(--lime);
  border-radius: 17px;
}

.upload__icon svg {
  width: 30px;
  height: 30px;
}

.upload__empty strong {
  margin-top: 16px;
  font-size: 15px;
  font-weight: 700;
}

.upload__empty > span:not(.upload__icon) {
  margin-top: 5px;
  color: var(--muted);
  font-size: 11.5px;
}

.upload__actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 8px;
  margin-top: 20px;
}

.upload__actions .btn {
  min-height: 39px;
  font-size: 12.5px;
}

.upload__preview {
  display: grid;
  grid-template-columns: minmax(0, 42%) minmax(0, 1fr);
  grid-template-rows: 1fr auto;
  gap: 6px 14px;
  height: 100%;
  min-height: 304px;
  padding: 10px;
}

.upload__preview img {
  grid-column: 1;
  grid-row: 1 / span 2;
  width: 100%;
  height: 100%;
  min-height: 250px;
  object-fit: contain;
  background: #eef1e8;
  border-radius: 10px;
}

.upload__preview-info {
  grid-column: 2;
  grid-row: 1;
  display: flex;
  align-items: flex-start;
  gap: 9px;
  padding: 8px 2px 0;
}

.upload__file-icon {
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  flex: none;
  color: var(--ink);
  background: var(--lime-soft);
  border-radius: 10px;
}

.upload__file-icon svg {
  width: 19px;
  height: 19px;
}

.upload__preview-info > span:nth-child(2) {
  min-width: 0;
  margin-right: auto;
}

.upload__preview-info strong {
  display: block;
  overflow: hidden;
  font-size: 11px;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.upload__preview-info small {
  display: block;
  margin-top: 1px;
  color: var(--muted);
  font-size: 9.5px;
}

.upload__remove {
  display: grid;
  place-items: center;
  width: 28px;
  height: 28px;
  flex: none;
  color: var(--muted);
  background: #f3f5ee;
  border: 0;
  border-radius: 50%;
}

.upload__remove:hover {
  color: #b8432e;
  background: #fff0ec;
}

.upload__remove svg {
  width: 14px;
  height: 14px;
}

.upload__status {
  grid-column: 2;
  grid-row: 2;
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 10px;
  padding: 0 2px 4px;
  font-size: 10.5px;
}

.upload__status-ok {
  color: #468126;
  font-weight: 700;
}

.link-btn {
  padding: 0;
  color: var(--ink);
  background: transparent;
  border: 0;
  font-size: 10.5px;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.photo-rules {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-top: 15px;
}

.photo-rules li {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--muted);
  font-size: 11.5px;
}

.photo-rules span {
  display: grid;
  place-items: center;
  width: 18px;
  height: 18px;
  flex: none;
  color: var(--ink);
  background: #f1f4eb;
  border-radius: 50%;
  font-size: 9px;
  font-weight: 800;
}

.photo-example {
  position: relative;
  padding: 16px;
  background: var(--lime-soft);
  border: 1px solid #def0b6;
  border-radius: 19px;
}

.photo-example__tag {
  display: inline-flex;
  padding: 4px 8px;
  color: #35621b;
  background: #fff;
  border-radius: 999px;
  font-size: 8.5px;
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.photo-example__scene {
  position: relative;
  height: 190px;
  margin-top: 12px;
  overflow: hidden;
  background:
    radial-gradient(70% 70% at 50% 20%, #fff 0%, transparent 70%),
    linear-gradient(160deg, #f3f8e9, #e4efd4);
  border-radius: 13px;
}

.photo-example__person {
  position: absolute;
  bottom: 0;
  left: 22%;
  width: 126px;
  height: 158px;
}

.photo-example__head {
  position: absolute;
  top: 18px;
  left: 50%;
  width: 55px;
  height: 65px;
  background: #c78f69;
  border-radius: 46% 46% 44% 44%;
  transform: translateX(-50%);
}

.photo-example__head::before {
  content: "";
  position: absolute;
  top: -5px;
  left: -2px;
  right: -2px;
  height: 34px;
  background: #3b2a20;
  border-radius: 50% 50% 38% 38%;
}

.photo-example__head::after {
  content: "";
  position: absolute;
  top: 38px;
  left: 16px;
  right: 16px;
  height: 2px;
  background: rgba(80, 45, 28, 0.5);
  border-radius: 3px;
  box-shadow: 0 4px 0 rgba(80, 45, 28, 0.3);
}

.photo-example__body {
  position: absolute;
  bottom: -20px;
  left: 50%;
  width: 124px;
  height: 100px;
  background: #2d5b45;
  border-radius: 50% 50% 0 0;
  transform: translateX(-50%);
}

.photo-example__passport {
  position: absolute;
  z-index: 2;
  top: 58px;
  right: 8px;
  width: 94px;
  height: 82px;
  padding: 8px;
  background: #9e2f2b;
  border: 2px solid #7c201d;
  border-radius: 5px;
  box-shadow: 0 5px 14px rgba(50, 25, 19, 0.25);
  transform: rotate(7deg);
}

.photo-example__passport::before {
  content: "";
  position: absolute;
  top: 8px;
  left: 8px;
  right: 8px;
  height: 5px;
  background: rgba(255, 255, 255, 0.5);
  border-radius: 1px;
}

.photo-example__passport-title {
  display: block;
  margin-top: 10px;
  color: #fff;
  font-size: 5px;
  font-weight: 800;
  letter-spacing: 0.1em;
}

.photo-example__passport-photo {
  position: absolute;
  top: 28px;
  left: 8px;
  width: 24px;
  height: 30px;
  background: #e7c7a8;
  border: 1px solid rgba(255, 255, 255, 0.4);
}

.photo-example__passport-line {
  position: absolute;
  top: 32px;
  left: 38px;
  width: 42px;
  height: 2px;
  background: rgba(255, 255, 255, 0.4);
  border-radius: 2px;
  box-shadow: 0 6px 0 rgba(255, 255, 255, 0.3), 0 12px 0 rgba(255, 255, 255, 0.3), 0 18px 0 rgba(255, 255, 255, 0.25);
}

.photo-example__passport-line--short {
  top: 66px;
  left: 8px;
  width: 50px;
  box-shadow: none;
}

.photo-example__check {
  position: absolute;
  z-index: 3;
  right: 12px;
  bottom: 12px;
  display: grid;
  place-items: center;
  width: 27px;
  height: 27px;
  color: var(--ink);
  background: var(--lime);
  border: 2px solid #fff;
  border-radius: 50%;
  font-size: 13px;
  font-weight: 800;
}

.photo-example > p {
  margin-top: 10px;
  color: #4d703d;
  font-size: 9.5px;
  line-height: 1.4;
  text-align: center;
}

/* ---------- notes / review / consent ---------- */
.form-note {
  display: flex;
  gap: 13px;
  margin-top: 6px;
  padding: 16px;
  background: #f6f8f0;
  border: 1px solid #e9ede1;
  border-radius: 14px;
}

.form-note__icon {
  display: grid;
  place-items: center;
  width: 36px;
  height: 36px;
  flex: none;
  color: var(--ink);
  background: var(--lime);
  border-radius: 10px;
}

.form-note__icon svg {
  width: 19px;
  height: 19px;
}

.form-note p {
  color: var(--muted);
  font-size: 11.5px;
  line-height: 1.5;
}

.form-note strong {
  display: block;
  margin-bottom: 2px;
  color: var(--ink);
  font-size: 12px;
}

.review-box {
  margin: 4px 0 22px;
  padding: 17px;
  background: #f7f8f2;
  border: 1px solid #e9ede3;
  border-radius: 16px;
}

.review-box__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-bottom: 11px;
  border-bottom: 1px solid #e6eae0;
  color: var(--ink);
  font-size: 11.5px;
  font-weight: 700;
}

.review-box__head a {
  color: var(--muted);
  font-size: 10.5px;
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.review-box__head a:hover {
  color: var(--ink);
}

.review-box__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  padding-top: 12px;
}

.review-box__grid div {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.review-box__grid span {
  color: var(--muted-2);
  font-size: 9.5px;
}

.review-box__grid strong {
  overflow: hidden;
  font-size: 12px;
  font-weight: 700;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.consent-list {
  display: flex;
  flex-direction: column;
  gap: 13px;
}

.checkbox {
  position: relative;
  display: flex;
  align-items: flex-start;
  gap: 11px;
  cursor: pointer;
}

.checkbox input {
  position: absolute;
  width: 1px;
  height: 1px;
  opacity: 0;
}

.checkbox__box {
  position: relative;
  width: 21px;
  height: 21px;
  flex: none;
  margin-top: 1px;
  background: #fff;
  border: 1.5px solid #cbd3c6;
  border-radius: 6px;
  transition: background 160ms ease, border-color 160ms ease;
}

.checkbox__box::after {
  content: "";
  position: absolute;
  top: 3px;
  left: 7px;
  width: 5px;
  height: 9px;
  border: solid var(--ink);
  border-width: 0 2px 2px 0;
  opacity: 0;
  transform: rotate(45deg) scale(0.7);
  transition: opacity 160ms ease, transform 160ms ease;
}

.checkbox input:checked + .checkbox__box {
  background: var(--lime);
  border-color: var(--lime);
}

.checkbox input:checked + .checkbox__box::after {
  opacity: 1;
  transform: rotate(45deg) scale(1);
}

.checkbox input:focus-visible + .checkbox__box {
  outline: 3px solid var(--orange);
  outline-offset: 2px;
}

.checkbox__text {
  color: var(--muted);
  font-size: 11.5px;
  line-height: 1.55;
}

.checkbox__text a {
  color: var(--ink);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.checkbox__text em {
  color: #b8432e;
  font-style: normal;
  font-weight: 700;
}

.checkbox__text a:hover {
  color: #3e7f24;
}

.secure-note {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  margin-top: 22px;
  padding-top: 17px;
  border-top: 1px solid var(--line);
  color: var(--muted-2);
  font-size: 10px;
  line-height: 1.45;
}

.secure-note .icon {
  width: 15px;
  height: 15px;
  flex: none;
  margin-top: 1px;
}

/* ---------- nav ---------- */
.form-nav {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 28px;
  padding-top: 24px;
  border-top: 1px solid var(--line);
}

.form-nav #nextBtn,
.form-nav #submitBtn {
  margin-left: auto;
}

.form-nav .btn--outline {
  color: var(--muted);
}

.form-footnote {
  margin-top: 13px;
  color: var(--muted-2);
  font-size: 9.5px;
  line-height: 1.45;
}

.form-footnote em {
  color: #b8432e;
  font-style: normal;
}

.form-footnote a {
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* ---------- footer / trust ---------- */
.apply-trust {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 32px;
  padding: 26px 4px 0;
  border-top: 1px solid #dfe4da;
}

.apply-trust > div {
  display: flex;
  align-items: flex-start;
  gap: 11px;
  color: var(--muted);
  font-size: 10.5px;
  line-height: 1.45;
}

.apply-trust .icon {
  width: 21px;
  height: 21px;
  flex: none;
  color: #4b7a3a;
}

.apply-trust strong {
  display: block;
  margin-bottom: 1px;
  color: var(--ink-soft);
  font-size: 11.5px;
}

.app-footer {
  padding: 22px 0 30px;
  color: var(--muted-2);
  font-size: 10px;
}

.app-footer .container {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 6px 20px;
}

.app-footer a {
  text-decoration: underline;
  text-underline-offset: 2px;
}

.app-footer a:hover {
  color: var(--ink);
}

/* ---------- apply responsive ---------- */
@media (max-width: 1050px) {
  .apply-grid { grid-template-columns: 300px minmax(0, 1fr); }
  .loan-summary { padding: 23px; }
  .loan-summary__amount { font-size: 36px; }
  .form-card { padding: 28px; }
  .form-progress__label { font-size: 10px; }
  .selfie-layout { grid-template-columns: 1fr; }
  .photo-example { display: none; }
  .review-box__grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 860px) {
  .apply-shell { padding: 36px 0 60px; }
  .apply-grid { grid-template-columns: 1fr; }
  .loan-summary {
    position: relative;
    top: auto;
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 0 20px;
    padding: 22px;
  }
  .loan-summary__top { grid-column: 1; }
  .loan-summary__rate { grid-row: 1 / span 2; grid-column: 2; align-self: center; }
  .loan-summary__amount { grid-column: 1; margin-top: 12px; font-size: 34px; }
  .loan-summary__term { grid-column: 1; }
  .loan-summary__rows,
  .loan-summary__trust,
  .loan-summary__help { display: none; }
  .loan-summary__progress { grid-column: 1; margin-top: 16px; }
  .loan-summary__edit { grid-column: 1; margin-top: 12px; }
  .loan-summary::after { right: -30px; bottom: -110px; }
  .form-card { padding: 26px; }
  .app-header__secure { display: none; }
  .apply-trust { grid-template-columns: 1fr; gap: 14px; }
}

@media (max-width: 640px) {
  .apply-shell { padding-top: 28px; }
  .apply-heading { margin-bottom: 22px; }
  .apply-heading h1 { font-size: 36px; }
  .apply-heading p { font-size: 14px; }
  .form-card { padding: 22px 18px 20px; border-radius: 24px; }
  .form-progress { margin-bottom: 24px; padding-bottom: 20px; justify-content: space-between; }
  .form-progress li { flex: 0 0 auto; gap: 0; }
  .form-progress li:not(:last-child)::after {
    top: 16px;
    left: 40px;
    right: -20px;
  }
  .form-progress__label { display: none; }
  .form-progress__dot { width: 33px; height: 33px; }
  .form-mobile-step {
    display: block;
    margin-bottom: 18px;
    color: var(--muted);
    font-size: 11px;
  }
  .form-mobile-step strong { color: var(--ink); }
  .form-step__head { margin-bottom: 22px; }
  .form-step__head h2 { font-size: 28px; }
  .form-grid--2 { grid-template-columns: 1fr; gap: 0; }
  .form-grid--2 .field { margin-bottom: 16px; }
  .form-grid--2 .field:last-child { margin-bottom: 0; }
  .phone-verify { padding: 13px; }
  .phone-verify__row { flex-wrap: wrap; }
  .phone-verify__input { flex: 1; width: auto; min-width: 105px; }
  .phone-verify__row .btn { flex: 1; }
  .form-grid + .field { margin-top: 16px; }
  .field { margin-bottom: 16px; }
  .input { height: 50px; font-size: 16px; }
  .selfie-layout { gap: 12px; }
  .upload { min-height: 280px; }
  .upload__empty { min-height: 276px; }
  .upload__preview img { height: 210px; min-height: 0; }
  .upload__preview { min-height: 0; }
  .form-nav { flex-wrap: wrap; }
  .form-nav #nextBtn, .form-nav #submitBtn { flex: 1; }
  .form-nav #backBtn { flex: 0 0 auto; padding: 0 18px; }
  .review-box__grid { grid-template-columns: repeat(2, 1fr); }
  .app-footer .container { display: block; }
  .app-footer p + p { margin-top: 5px; }
  .app-header__inner { min-height: 66px; gap: 12px; }
  .app-header .logo img { width: 36px; height: 36px; }
  .app-header .logo__text { font-size: 22px; }
  .app-header .btn--text { padding: 0 4px; font-size: 12px; }
  .apply-heading h1 { font-size: 32px; }
  .loan-summary { border-radius: 22px; }
}

@media (max-width: 380px) {
  .form-progress li:not(:last-child)::after { right: -12px; }
  .loan-summary { padding: 18px; }
  .loan-summary__amount { font-size: 30px; }
}