:root { --primary:#164b73; --accent:#28a1df; --ink:#16344a; --muted:#5f7180; --paper:#f5f8fa; --surface:#fff; --line:#d5e0e7; }
* { box-sizing:border-box; }
html { scroll-behavior:smooth; }
body { margin:0; color:var(--ink); background:var(--paper); font-family:"Manrope",Arial,sans-serif; font-size:16px; line-height:1.6; }
a { color:inherit; }
input,select,textarea,button { font:inherit; }
.skip-link { position:fixed; z-index:100; top:12px; left:12px; padding:10px 14px; background:#fff; transform:translateY(-180%); }
.skip-link:focus { transform:none; }
.site-header { position:sticky; top:0; z-index:20; background:rgba(255,255,255,.98); border-bottom:1px solid var(--line); }
.nav-shell,.footer-shell { width:min(1180px,calc(100% - 40px)); margin:0 auto; }
.nav-shell { min-height:82px; display:flex; align-items:center; justify-content:space-between; gap:24px; }
.brand-logo,.footer-logo { display:block; width:220px; max-height:62px; object-fit:cover; }
.application-nav { display:flex; align-items:center; gap:20px; font-size:.88rem; font-weight:800; }
.application-nav a { text-decoration:none; }
.button { display:inline-flex; min-height:48px; align-items:center; justify-content:center; padding:11px 19px; border:0; border-radius:4px; font-weight:800; text-decoration:none; cursor:pointer; }
.button.primary { color:#fff; background:var(--primary); }
.application-shell { width:min(980px,calc(100% - 40px)); margin:0 auto; }
.application-intro { padding:58px 0 46px; color:#fff; background:radial-gradient(circle at 88% 10%,rgba(40,161,223,.32),transparent 32%),linear-gradient(135deg,#102f46,var(--primary)); }
.section-kicker { margin:0; color:#a8e3ff; font-size:.76rem; font-weight:800; letter-spacing:.16em; text-transform:uppercase; }
.application-intro h1 { max-width:760px; margin:8px 0 14px; font-family:"Cinzel",Georgia,serif; font-size:clamp(2rem,4vw,3rem); line-height:1.08; }
.application-intro > .application-shell > p:not(.section-kicker) { max-width:780px; margin:0; color:rgba(255,255,255,.86); font-size:1.06rem; }
.application-notice { display:grid; grid-template-columns:150px 1fr; gap:18px; margin-top:28px; padding:18px 20px; border:1px solid rgba(255,255,255,.22); background:rgba(255,255,255,.08); }
.application-notice span { color:rgba(255,255,255,.84); }
.credit-impact-notice { display:grid; gap:4px; margin-top:16px; padding:20px 22px; border:3px solid #fff; color:#08283e; background:#a8e3ff; box-shadow:0 10px 28px rgba(0,0,0,.18); }
.credit-impact-notice strong { font-size:1.12rem; }
.credit-impact-notice span { font-weight:700; }
.application-section { padding:52px 0 78px; }
.application-form { display:grid; gap:26px; }
.application-form fieldset { min-width:0; margin:0; padding:30px; border:1px solid var(--line); background:#fff; box-shadow:0 12px 34px rgba(22,75,115,.07); }
.application-form legend { display:flex; align-items:center; gap:12px; padding-right:10px; color:var(--primary); font-family:"Cinzel",Georgia,serif; font-size:1.25rem; font-weight:700; }
.application-form legend > span { width:34px; height:34px; display:inline-grid; place-items:center; border-radius:50%; color:#fff; background:var(--primary); font-family:"Manrope",Arial,sans-serif; font-size:.9rem; }
.fieldset-help { margin:5px 0 24px; color:var(--muted); }
.application-form h3 { margin:24px 0 14px; font-family:"Cinzel",Georgia,serif; font-size:1.15rem; }
.application-grid { display:grid; gap:18px; }
.application-grid.four { grid-template-columns:repeat(4,minmax(0,1fr)); }
.application-grid label { min-width:0; color:#28465b; font-size:.86rem; font-weight:800; }
.application-grid em,.consent-check em { color:#a12b2b; font-style:normal; }
.application-grid input,.application-grid select,.application-grid textarea { width:100%; min-height:47px; margin-top:7px; padding:10px 12px; border:1px solid #b8cad5; border-radius:4px; color:var(--ink); background:#fff; }
.application-grid textarea { min-height:100px; resize:vertical; }
input:focus,select:focus,textarea:focus,a:focus-visible,button:focus-visible { outline:3px solid rgba(40,161,223,.35); outline-offset:2px; }
.span-2 { grid-column:span 2; }
.span-3 { grid-column:span 3; }
.span-4,.span-all { grid-column:1 / -1; }
.business-purpose-confirm { padding:20px 24px; border:1px solid #8bcfeb; background:#edf9ff; }
.check-row { display:flex; align-items:flex-start; gap:11px; font-weight:700; }
.check-row input { width:19px; height:19px; flex:0 0 auto; margin:3px 0 0; }
.conditional-panel { margin-top:24px; padding:4px 20px 20px; border-left:4px solid var(--accent); background:#f2f9fc; }
.consent-copy { color:#405d70; }
.consent-copy strong { color:var(--primary); }
.consent-copy p:first-child { margin-top:0; }
.consent-copy a { color:#087db8; font-weight:800; }
.consent-check { margin-top:22px; padding:16px; background:#f4f8fa; }
.submit-panel { display:grid; grid-template-columns:1fr auto; align-items:center; gap:20px 28px; padding:28px 30px; color:#fff; background:var(--primary); }
.submit-panel strong { font-family:"Cinzel",Georgia,serif; font-size:1.12rem; }
.submit-panel p { margin:6px 0 0; color:rgba(255,255,255,.8); }
.submit-button { color:#08283e; background:var(--accent); }
.submit-button:disabled { opacity:.7; cursor:wait; }
.submit-panel .small-note { margin:0; }
.site-footer { padding:38px 0; color:#d4e3ec; background:#071a28; font-size:.86rem; }
.footer-shell { display:grid; grid-template-columns:minmax(240px,.7fr) 1.3fr; gap:36px; }
.footer-logo { background:#fff; }
.site-footer a { color:inherit; }
@media(max-width:760px){.application-nav>a:first-child{display:none}.application-notice{grid-template-columns:1fr;gap:5px}.application-form fieldset{padding:24px 18px}.application-grid.four{grid-template-columns:1fr 1fr}.span-3,.span-4{grid-column:1 / -1}.submit-panel{grid-template-columns:1fr}.footer-shell{grid-template-columns:1fr}}
@media(max-width:500px){.nav-shell,.application-shell,.footer-shell{width:min(100% - 24px,980px)}.nav-shell{gap:12px}.brand-logo{width:170px}.application-nav .button{min-height:44px;padding:9px 12px;font-size:.8rem;white-space:nowrap}.application-intro{padding:42px 0 34px}.application-grid.four{grid-template-columns:1fr}.span-2,.span-3,.span-4{grid-column:auto}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}