*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --navy: #0a2540;
  --navy-2: #102f52;
  --green: #00c47d;
  --green-dk: #009e64;
  --green-soft: #e7faf2;
  --white: #fff;
  --gray-bg: #f7f9fc;
  --gray-border: #e6eaf1;
  --gray-text: #56607a;
  --ink: #16243d;
  --font: -apple-system, BlinkMacSystemFont, 'Segoe UI', system-ui, 'Helvetica Neue', Arial, sans-serif;
  --r: 8px;
  --r-lg: 14px;
  --max: 1120px;
  --shadow-sm: 0 1px 3px rgba(16,36,61,.06), 0 1px 2px rgba(16,36,61,.04);
  --shadow-md: 0 10px 30px rgba(16,36,61,.08);
  --shadow-btn: 0 6px 18px rgba(0,196,125,.32);
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font);
  color: var(--ink);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

/* NAV */
nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(10,37,64,.92);
  backdrop-filter: saturate(180%) blur(12px);
  -webkit-backdrop-filter: saturate(180%) blur(12px);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 max(5%, calc((100% - var(--max)) / 2 + 24px));
  height: 70px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}

.logo {
  display: flex;
  align-items: center;
  gap: 11px;
  text-decoration: none;
}

.logo-img {
  height: 40px;
  width: auto;
  display: block;
}

footer .logo-img {
  height: 36px;
}

.logo-icon {
  display: none;
}

@media (max-width: 600px) {
  nav .logo-full {
    display: none;
  }
  nav .logo-icon {
    display: block;
    height: 36px;
    width: auto;
  }
}

.nav-right {
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-right a.link {
  color: rgba(255,255,255,.78);
  text-decoration: none;
  font-size: .95rem;
  font-weight: 500;
  transition: color .2s;
  position: relative;
}

.nav-right a.link:hover {
  color: var(--white);
}

.nav-right a.link::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -6px;
  height: 2px;
  width: 0;
  background: var(--green);
  transition: width .25s ease;
}

.nav-right a.link:hover::after {
  width: 100%;
}

/* BUTTONS */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--green);
  color: var(--navy);
  border: none;
  border-radius: var(--r);
  padding: .62rem 1.5rem;
  font-size: .95rem;
  font-weight: 600;
  font-family: inherit;
  text-decoration: none;
  cursor: pointer;
  transition: transform .2s, box-shadow .2s, background .2s;
  box-shadow: var(--shadow-btn);
}

.btn:hover {
  background: var(--green-dk);
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(0,196,125,.4);
}

.btn:active {
  transform: translateY(0);
}

.btn svg,
.btn img {
  width: 17px;
  height: 17px;
}

.btn-lg {
  padding: .92rem 2.4rem;
  font-size: 1.06rem;
}

/* TRUST STRIP (footer) */
.trust-strip {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px;
  padding: 30px 0;
  border-bottom: 1px solid rgba(255,255,255,.12);
}

.trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 30px;
  padding: 9px 17px;
  color: rgba(255,255,255,.85);
  font-size: .85rem;
  font-weight: 500;
}

.trust-badge svg,
.trust-badge img {
  width: 16px;
  height: 16px;
}

/* HERO */
#hero {
  position: relative;
  overflow: hidden;
  background-image: url("assets/img/lml_hero_image.jpg");
  background-size: cover;
  background-position: center 25%;
  background-repeat: no-repeat;
  color: var(--white);
  text-align: center;
  padding: 104px 5% 96px;
}

#hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(900px 500px at 80% -10%, rgba(0,196,125,.18), transparent 60%),
    radial-gradient(700px 500px at 0% 110%, rgba(0,196,125,.10), transparent 55%),
    linear-gradient(160deg, rgba(10,37,64,.82) 0%, rgba(16,47,82,.88) 100%);
  pointer-events: none;
}

#hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: radial-gradient(700px 400px at 50% 0%, #000, transparent 75%);
  -webkit-mask-image: radial-gradient(700px 400px at 50% 0%, #000, transparent 75%);
  pointer-events: none;
}

.hero-inner {
  position: relative;
  z-index: 1;
  max-width: 780px;
  margin: 0 auto;
}

.hero-brand {
  font-size: .85rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--green);
  margin: 0 0 18px;
}

#hero h1 {
  font-size: clamp(2.2rem, 5.2vw, 3.5rem);
  font-weight: 800;
  line-height: 1.12;
  letter-spacing: -.03em;
  margin: 0 auto 26px;
}

#hero h1 span {
  color: var(--green);
}

#hero .lead {
  color: rgba(255,255,255,.74);
  font-size: 1.1rem;
  max-width: 560px;
  margin: 0 auto 38px;
}

.hero-cta {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 36px;
}

.trust-row {
  display: flex;
  gap: 28px;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 46px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,.1);
}

.trust-row div {
  display: flex;
  align-items: center;
  gap: 9px;
  color: rgba(255,255,255,.72);
  font-size: .92rem;
  font-weight: 500;
}

/* SECTIONS */
section {
  padding: 92px 5%;
}

section:nth-of-type(even) {
  background: var(--gray-bg);
}

.inner {
  max-width: var(--max);
  margin: 0 auto;
}

.head {
  max-width: 680px;
  margin-bottom: 8px;
}

.head.center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.tag {
  display: inline-block;
  background: var(--green-soft);
  color: var(--green-dk);
  font-size: .76rem;
  font-weight: 700;
  letter-spacing: .09em;
  text-transform: uppercase;
  padding: 5px 13px;
  border-radius: 30px;
  margin-bottom: 16px;
}

h2 {
  font-size: clamp(1.7rem, 3.6vw, 2.35rem);
  font-weight: 700;
  letter-spacing: -.02em;
  margin-bottom: 16px;
  line-height: 1.22;
}

p {
  font-size: 1.02rem;
  color: var(--gray-text);
  margin-bottom: 1rem;
}

p:last-child {
  margin-bottom: 0;
}

.lede {
  font-size: 1.12rem;
  color: var(--gray-text);
}

/* ABOUT (intro + photo) */
.about-split {
  margin-bottom: 8px;
}

.about-media img {
  display: block;
  width: 100%;
  height: auto;
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-md);
}

/* CARDS */
.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(238px, 1fr));
  gap: 22px;
  margin-top: 50px;
}

.card {
  background: var(--white);
  border: 1px solid var(--gray-border);
  border-radius: var(--r-lg);
  padding: 32px 26px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: transform .25s, box-shadow .25s, border-color .25s;
}

.card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: #d4f3e6;
}

.card-icon {
  width: 50px;
  height: 50px;
  border-radius: 13px;
  background: var(--green-soft);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
}

.card-icon svg,
.card-icon img {
  width: 25px;
  height: 25px;
}

.card h3 {
  font-size: 1.08rem;
  font-weight: 700;
  margin-bottom: 9px;
  color: var(--ink);
  letter-spacing: -.01em;
}

.card p {
  font-size: .96rem;
}

/* SPLIT (installment) */
.split {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 56px;
  align-items: center;
}

.split-visual {
  background: linear-gradient(155deg, var(--navy) 0%, var(--navy-2) 100%);
  border-radius: var(--r-lg);
  padding: 38px;
  color: var(--white);
  box-shadow: var(--shadow-md);
}

.step {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 16px 0;
}

.step:not(:last-child) {
  border-bottom: 1px solid rgba(255,255,255,.1);
}

.step-num {
  flex-shrink: 0;
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: rgba(0,196,125,.15);
  color: var(--green);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.02rem;
}

.step h4 {
  font-size: 1rem;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 3px;
}

.step p {
  font-size: .9rem;
  color: rgba(255,255,255,.66);
  margin: 0;
}

/* REQUIREMENTS */
.req-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 16px;
  margin-top: 44px;
}

.req-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  background: var(--white);
  border: 1px solid var(--gray-border);
  border-radius: var(--r);
  padding: 20px 22px;
  box-shadow: var(--shadow-sm);
  transition: transform .2s, box-shadow .2s;
}

.req-item:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.check {
  flex-shrink: 0;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--green);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 2px;
  box-shadow: 0 3px 8px rgba(0,196,125,.35);
}

.check svg,
.check img {
  width: 13px;
  height: 13px;
}

.req-item p {
  font-size: .96rem;
  margin: 0;
  color: var(--ink);
}

/* CTA BAND */
.cta-band {
  background:
    radial-gradient(700px 400px at 85% 120%, rgba(0,196,125,.2), transparent 60%),
    linear-gradient(150deg, var(--navy) 0%, var(--navy-2) 100%);
  text-align: center;
  padding: 96px 5%;
}

.cta-band h2 {
  color: var(--white);
}

.cta-band .lede {
  color: rgba(255,255,255,.74);
  max-width: 520px;
  margin: 0 auto 36px;
}

/* FOOTER */
footer {
  background: var(--navy);
  padding: 56px 5% 32px;
}

.footer-top {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding-bottom: 28px;
  border-bottom: 1px solid rgba(255,255,255,.12);
}

.footer-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 28px;
}

.footer-nav a {
  color: rgba(255,255,255,.62);
  text-decoration: none;
  font-size: .94rem;
  font-weight: 500;
  transition: color .2s;
}

.footer-nav a:hover {
  color: var(--green);
}

.footer-copy {
  padding-top: 24px;
  font-size: .85rem;
  color: rgba(255,255,255,.4);
  text-align: center;
}

.footer-notice {
  padding-top: 16px;
  font-size: .78rem;
  color: rgba(255,255,255,.3);
  text-align: left;
  max-width: 940px;
  margin: 0 auto;
  line-height: 1.6;
}

/* NAV HAMBURGER */
.nav-hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
  margin-left: 4px;
}
.nav-hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: rgba(255,255,255,.85);
  border-radius: 2px;
  transition: background .2s;
}
.nav-hamburger:hover span {
  background: #fff;
}

/* NAV MOBILE DROPDOWN */
.nav-mobile-menu {
  position: fixed;
  top: 64px;
  left: 0;
  right: 0;
  z-index: 99;
  background: rgba(10,37,64,.97);
  backdrop-filter: saturate(180%) blur(12px);
  -webkit-backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid rgba(255,255,255,.1);
  padding: 8px 5% 12px;
}
.nav-mobile-menu[hidden] {
  display: none;
}
.nav-mobile-menu a {
  display: block;
  color: rgba(255,255,255,.85);
  text-decoration: none;
  font-size: .95rem;
  font-weight: 500;
  padding: 13px 0;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.nav-mobile-menu a:last-child {
  border-bottom: none;
}
.nav-mobile-menu a:hover {
  color: #fff;
}

@media (min-width: 601px) {
  .nav-hamburger {
    display: none !important;
  }
  .nav-mobile-menu {
    display: none !important;
  }
}

/* MOBILE */
@media (max-width: 860px) {
  .split {
    grid-template-columns: 1fr;
    gap: 36px;
  }
}

@media (max-width: 600px) {
  nav {
    padding: 0 5%;
    height: 64px;
  }
  .nav-right {
    gap: 12px;
  }
  .nav-hide {
    display: none;
  }
  .nav-hamburger {
    display: flex;
  }
  #hero {
    padding: 72px 5% 64px;
  }
  section,
  .cta-band {
    padding: 64px 5%;
  }
  footer {
    padding: 40px 5% 24px;
  }
  .footer-top {
    flex-direction: column;
    align-items: flex-start;
  }
  .trust-row {
    gap: 16px 24px;
  }
}

/* ══════════════════════════════════
   APPLICATION FORM (apply.html)
══════════════════════════════════ */
.form-wrap {
  max-width: 760px;
  margin: 0 auto;
  padding: 56px 5% 80px;
}

/* Apply page: non-sticky nav, sticky progress bar + headline */
.apply-page nav {
  position: static;
}
.apply-page nav .logo-full {
  display: block !important;
}
.apply-page nav .logo-icon {
  display: none !important;
}

.apply-page .progress-bar {
  position: sticky;
  top: 0;
  z-index: 30;
  background: var(--white);
  padding: 18px 0;
  margin-bottom: 0;
}

.apply-page .page-header {
  position: sticky;
  top: 42px;
  z-index: 20;
  background: var(--white);
  padding: 8px 0 16px;
  margin-bottom: 20px;
  border-bottom: 1px solid var(--gray-border);
}

/* Apply page: "have this handy" notice widget */
.apply-notice {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  background: var(--green-soft);
  border: 1px solid #bfead6;
  border-left: 4px solid var(--green);
  border-radius: var(--r);
  padding: 14px 16px;
  margin-bottom: 18px;
}

.apply-notice-icon {
  width: 20px;
  height: 20px;
  color: var(--green-dk);
  flex-shrink: 0;
  margin-top: 2px;
}

.apply-notice p {
  margin: 0;
  font-size: .92rem;
  line-height: 1.55;
  color: #0c5a3c;
}

.apply-notice strong {
  color: #094a31;
  font-weight: 600;
}

/* Progress bar */
.progress-bar {
  display: flex;
  gap: 7px;
  margin-bottom: 34px;
}

.progress-step {
  flex: 1;
  height: 6px;
  border-radius: 3px;
  background: var(--gray-border);
  transition: background .25s, opacity .25s;
}

.progress-step.done {
  background: var(--green);
}

.progress-step.active {
  background: var(--green);
  opacity: .55;
}

/* Page visibility */
.page {
  display: none;
}

.page.active {
  display: block;
}

/* Page header */
.page-header {
  margin-bottom: 28px;
}

.page-header h1 {
  font-size: clamp(1.6rem, 3.4vw, 2.1rem);
  font-weight: 800;
  letter-spacing: -.02em;
  color: var(--ink);
  margin-bottom: 6px;
}

.page-header p {
  font-size: .98rem;
  color: var(--gray-text);
  margin: 0;
}

/* Section card */
.section {
  background: var(--white);
  border: 1px solid var(--gray-border);
  border-radius: var(--r-lg);
  padding: 28px;
  margin-bottom: 20px;
  box-shadow: var(--shadow-sm);
}

.section-title {
  font-size: .78rem;
  font-weight: 700;
  color: var(--gray-text);
  margin: 0 0 20px;
  display: flex;
  align-items: center;
  gap: 9px;
  text-transform: uppercase;
  letter-spacing: .08em;
}

.section-title svg,
.section-title img {
  width: 17px;
  height: 17px;
  flex-shrink: 0;
}

/* Grid */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}

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

.field.span2 {
  grid-column: span 2;
}

/* City / State / ZIP on one row (spans the full 2-col grid, laid out as 3). */
.tri-row {
  grid-column: span 2;
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr;
  gap: 18px;
}

/* Labels */
.field label {
  font-size: .9rem;
  font-weight: 600;
  color: var(--ink);
  letter-spacing: 0;
}

.field label .req {
  color: var(--green-dk);
  margin-left: 2px;
}

/* Inputs & selects */
.form-wrap input,
.form-wrap select,
.form-wrap textarea {
  width: 100%;
  font-family: inherit;
  font-size: 1rem;
  color: var(--ink);
  background: var(--gray-bg);
  border: 1.5px solid var(--gray-border);
  border-radius: var(--r);
  padding: 11px 14px;
  transition: border-color .2s, box-shadow .2s, background .2s;
  appearance: auto;
}

/* Custom dropdown arrow with padding equal to the text (14px both sides) */
.form-wrap select {
  -webkit-appearance: none;
  -moz-appearance: none;
  appearance: none;
  padding-right: 40px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%2356607a' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  background-size: 14px 14px;
}

.form-wrap input::placeholder {
  color: #9aa4ba;
}

.form-wrap input:focus,
.form-wrap select:focus {
  outline: none;
  border-color: var(--green);
  background: var(--white);
  box-shadow: 0 0 0 4px rgba(0,196,125,.14);
}

.form-wrap input.error,
.form-wrap select.error {
  border-color: #e03a3a;
  box-shadow: 0 0 0 4px rgba(224,58,58,.12);
}

.form-wrap input.valid,
.form-wrap select.valid {
  border-color: var(--green);
}

/* Error & hint */
.err-msg {
  font-size: .8rem;
  color: #e03a3a;
  display: none;
  font-weight: 500;
}

.err-msg.show {
  display: block;
}

.hint {
  font-size: .8rem;
  color: #9aa4ba;
}

/* Phone +1 prefix */
.phone-wrap {
  display: flex;
  align-items: stretch;
  background: var(--gray-bg);
  border: 1.5px solid var(--gray-border);
  border-radius: var(--r);
  overflow: hidden;
  transition: border-color .2s, box-shadow .2s;
}

.phone-wrap:focus-within {
  border-color: var(--green);
  background: var(--white);
  box-shadow: 0 0 0 4px rgba(0,196,125,.14);
}

.phone-wrap.error {
  border-color: #e03a3a;
  box-shadow: 0 0 0 4px rgba(224,58,58,.12);
}

.phone-wrap.valid {
  border-color: var(--green);
}

.phone-prefix {
  background: rgba(16,36,61,.04);
  border-right: 1.5px solid var(--gray-border);
  padding: 11px 12px;
  font-size: 1rem;
  font-weight: 600;
  color: var(--ink);
  white-space: nowrap;
  flex-shrink: 0;
}

.phone-wrap input {
  border: none !important;
  box-shadow: none !important;
  border-radius: 0 !important;
  background: transparent !important;
  flex: 1;
  min-width: 0;
}

/* Dual selects */
.dual-select {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}

/* Radio buttons */
.radio-group {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  padding-top: 2px;
}

.radio-opt {
  display: flex;
  align-items: center;
  gap: 7px;
  cursor: pointer;
  font-size: .96rem;
  font-weight: 500;
  color: var(--ink);
}

.radio-opt input[type="radio"] {
  width: auto;
  accent-color: var(--green);
}

/* Loan amount slider */
.slider-widget {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.slider-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
}

.slider-display {
  font-size: 1.9rem;
  font-weight: 800;
  color: var(--ink);
  min-width: 96px;
  letter-spacing: -.02em;
}

.slider-input-wrap {
  display: flex;
  align-items: center;
  border: 1.5px solid var(--gray-border);
  border-radius: var(--r);
  overflow: hidden;
  background: var(--gray-bg);
  transition: border-color .2s, box-shadow .2s;
}

.slider-input-wrap:focus-within {
  border-color: var(--green);
  background: var(--white);
  box-shadow: 0 0 0 4px rgba(0,196,125,.14);
}

.slider-dollar {
  padding: 9px 7px 9px 12px;
  font-size: 1rem;
  font-weight: 600;
  color: var(--gray-text);
  background: rgba(16,36,61,.04);
  border-right: 1.5px solid var(--gray-border);
}

.slider-text-input {
  border: none !important;
  box-shadow: none !important;
  border-radius: 0 !important;
  width: 88px !important;
  padding: 9px 12px !important;
  background: transparent !important;
  font-weight: 600;
  -moz-appearance: textfield;
}

.slider-text-input::-webkit-outer-spin-button,
.slider-text-input::-webkit-inner-spin-button {
  -webkit-appearance: none;
  margin: 0;
}

.form-wrap input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: var(--gray-border);
  outline: none;
  border: none;
  box-shadow: none;
  padding: 0;
  cursor: pointer;
}

.form-wrap input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--green);
  border: 3px solid var(--white);
  box-shadow: 0 2px 6px rgba(0,196,125,.4);
  cursor: pointer;
}

.form-wrap input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--green);
  border: 3px solid var(--white);
  box-shadow: 0 2px 6px rgba(0,196,125,.4);
  cursor: pointer;
}

.slider-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: .8rem;
  color: #9aa4ba;
  font-weight: 500;
  margin-top: -4px;
}

/* Nav row & buttons */
.nav-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 26px;
}

.page-indicator {
  font-size: .85rem;
  color: var(--gray-text);
  font-weight: 500;
}

.btn-navy {
  background: var(--navy);
  color: var(--white);
  border: 1.5px solid var(--navy);
  box-shadow: none;
}

.btn-navy:hover {
  background: var(--navy-2);
  border-color: var(--navy-2);
  box-shadow: 0 8px 20px rgba(16,36,61,.2);
}

.btn-outline {
  background: var(--white);
  color: var(--ink);
  border: 1.5px solid var(--gray-border);
  box-shadow: none;
}

.btn-outline:hover {
  background: var(--gray-bg);
  border-color: #c7cfdc;
  transform: translateY(-2px);
}

/* Agreement & checkboxes */
.agreement-box {
  background: var(--gray-bg);
  border: 1px solid var(--gray-border);
  border-radius: var(--r);
  padding: 18px;
  font-size: .9rem;
  color: var(--gray-text);
  line-height: 1.7;
  max-height: 170px;
  overflow-y: auto;
  margin-bottom: 16px;
}

.agreement-box strong {
  color: var(--ink);
}

.checkbox-row {
  display: flex;
  align-items: flex-start;
  gap: 11px;
  font-size: .94rem;
  color: var(--ink);
}

.checkbox-row input[type="checkbox"] {
  width: auto;
  margin-top: 3px;
  accent-color: var(--green);
  flex-shrink: 0;
}

.checkbox-row label {
  font-weight: 500;
  cursor: pointer;
}

.checkbox-row + .err-msg {
  margin-top: 6px;
}

/* Success screen */
.success-screen {
  display: none;
  text-align: center;
  padding: 64px 28px;
  background: var(--white);
  border: 1px solid var(--gray-border);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-sm);
}

.success-screen.active {
  display: block;
}

.success-icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--green-soft);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  color: var(--green-dk);
}

.success-screen h2 {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--ink);
  margin-bottom: 10px;
}

.success-screen p {
  color: var(--gray-text);
  max-width: 400px;
  margin: 0 auto;
}

.success-screen .btn {
  margin-top: 26px;
}

@media (max-width: 600px) {
  .form-wrap {
    padding: 40px 5% 64px;
  }
  .form-grid {
    grid-template-columns: 1fr;
  }
  .tri-row {
    grid-column: span 1;
    grid-template-columns: 1fr;
  }
  .field.span2 {
    grid-column: span 1;
  }
  .section {
    padding: 22px 20px;
  }
  .slider-top {
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
  }
  .nav-row {
    flex-wrap: wrap;
    gap: 12px;
  }
  .page-indicator {
    order: -1;
    width: 100%;
    text-align: center;
  }
  .nav-row .btn {
    flex: 1;
    justify-content: center;
  }
}

@media (max-width: 380px) {
  .slider-text-input {
    width: 70px !important;
  }
  .dual-select {
    grid-template-columns: 1fr;
  }
}

/* ══════════════════════════════════
   DATE PICKER / CALENDAR (Next pay date)
══════════════════════════════════ */
.date-picker {
  position: relative;
}

.date-picker input {
  padding-right: 42px;
}

.date-toggle {
  position: absolute;
  right: 8px;
  top: 50%;
  transform: translateY(-50%);
  background: none;
  border: none;
  cursor: pointer;
  color: var(--gray-text);
  padding: 4px;
  display: flex;
  align-items: center;
}

.date-toggle:hover {
  color: var(--green-dk);
}

.date-toggle svg {
  width: 19px;
  height: 19px;
}

.cal-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(10,37,64,.45);
  z-index: 200;
}

/* Full-screen overlay shown while the application is being submitted. Stays up
   through the redirect on an accept so the form never flashes back into view. */
.loading-overlay {
  position: fixed;
  inset: 0;
  z-index: 300;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(10,37,64,.45);
}

/* Author display:flex above overrides the UA [hidden] rule, so restore it —
   otherwise the overlay shows on page load. */
.loading-overlay[hidden] {
  display: none;
}

.loading-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  padding: 32px 40px;
  background: var(--white);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-md);
  text-align: center;
}

.loading-card p {
  color: var(--ink);
  font-weight: 600;
  margin: 0;
}

.loading-spinner {
  width: 40px;
  height: 40px;
  border: 3px solid var(--gray-border);
  border-top-color: var(--green);
  border-radius: 50%;
  animation: loading-spin .7s linear infinite;
}

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

@media (prefers-reduced-motion: reduce) {
  .loading-spinner { animation-duration: 1.8s; }
}

@media (min-width: 521px) {
  .cal-backdrop {
    display: none !important;
  }
}

.calendar-pop {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  z-index: 60;
  width: 300px;
  max-width: 100%;
  background: var(--white);
  border: 1px solid var(--gray-border);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-md);
  padding: 14px;
}

.cal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 12px;
}

.cal-title {
  font-weight: 700;
  color: var(--ink);
  font-size: .95rem;
}

.cal-nav {
  background: var(--gray-bg);
  border: 1.5px solid var(--gray-border);
  border-radius: var(--r);
  width: 32px;
  height: 32px;
  cursor: pointer;
  font-size: 1.2rem;
  line-height: 1;
  color: var(--ink);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: inherit;
}

.cal-nav:hover {
  background: var(--green-soft);
  border-color: var(--green);
  color: var(--green-dk);
}

.cal-weekdays,
.cal-grid {
  display: grid;
  grid-template-columns: repeat(7, 1fr);
  gap: 4px;
}

.cal-weekdays {
  margin-bottom: 6px;
}

.cal-weekdays span {
  text-align: center;
  font-size: .72rem;
  font-weight: 600;
  color: var(--gray-text);
}

.cal-day {
  height: 36px;
  border: none;
  background: none;
  border-radius: var(--r);
  font-size: .9rem;
  color: var(--ink);
  cursor: pointer;
  font-family: inherit;
  padding: 0;
}

.cal-day:not(.empty):not(.disabled):hover {
  background: var(--green-soft);
}

.cal-day.empty {
  cursor: default;
}

.cal-day.disabled {
  color: #c2cad8;
  cursor: not-allowed;
}

.cal-day.selected {
  background: var(--green);
  color: var(--white);
  font-weight: 700;
}

.cal-footer {
  margin-top: 12px;
  text-align: right;
}

.cal-close {
  background: var(--gray-bg);
  border: 1.5px solid var(--gray-border);
  border-radius: var(--r);
  padding: 7px 18px;
  font-size: .85rem;
  font-weight: 600;
  color: var(--ink);
  cursor: pointer;
  font-family: inherit;
}

.cal-close:hover {
  background: var(--gray-border);
}

/* Mobile: center the calendar as a sheet above the backdrop */
@media (max-width: 520px) {
  .calendar-pop {
    position: fixed;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: min(92vw, 360px);
    z-index: 201;
  }
  .cal-day {
    height: 42px;
  }
}

/* ══════════════════════════════════
   CONTACT PAGE (contact.html)
══════════════════════════════════ */
.btn-block {
  width: 100%;
}

/* Secure form note */
.secure-note {
  display: flex;
  align-items: center;
  gap: 9px;
  justify-content: center;
  background: var(--green-soft);
  border: 1px solid #c7efdd;
  border-radius: var(--r);
  color: var(--green-dk);
  font-size: .85rem;
  font-weight: 500;
  padding: 11px 14px;
  margin-top: 16px;
}

.secure-note svg {
  width: 16px;
  height: 16px;
  stroke: var(--green-dk);
  fill: none;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
  flex-shrink: 0;
}

/* Page header */
.page-head {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(900px 500px at 80% -10%, rgba(0,196,125,.18), transparent 60%),
    radial-gradient(700px 500px at 0% 110%, rgba(0,196,125,.10), transparent 55%),
    linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
  color: var(--white);
  text-align: center;
  padding: 86px 5% 78px;
}

.page-head::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: radial-gradient(700px 400px at 50% 0%, #000, transparent 75%);
  -webkit-mask-image: radial-gradient(700px 400px at 50% 0%, #000, transparent 75%);
  pointer-events: none;
}

.page-head .inner {
  position: relative;
  z-index: 1;
}

.page-head h1 {
  font-size: clamp(2rem, 4.6vw, 3rem);
  font-weight: 800;
  letter-spacing: -.03em;
  line-height: 1.15;
  margin-bottom: 16px;
}

.page-head p {
  color: rgba(255,255,255,.74);
  font-size: 1.08rem;
  max-width: 540px;
  margin: 0 auto;
}

/* The page banner now renders via <lml-page-head>; its subtitle is slotted
   light-DOM text, so this global rule must set the high-contrast color — the
   component's own ::slotted(p) rule loses to the base `p` rule for slotted content. */
lml-page-head p {
  color: rgba(255, 255, 255, 0.92);
  font-size: 1.1rem;
  line-height: 1.6;
  max-width: 560px;
  margin: 0 auto;
}

/* Contact layout */
.contact-section {
  padding: 80px 5%;
  background: var(--gray-bg);
}

.contact-grid {
  display: grid;
  grid-template-columns: .9fr 1.4fr;
  gap: 40px;
  align-items: start;
}

/* Info panel */
.info-panel {
  background: linear-gradient(155deg, var(--navy) 0%, var(--navy-2) 100%);
  border-radius: var(--r-lg);
  padding: 38px 34px;
  color: var(--white);
  box-shadow: var(--shadow-md);
}

.info-panel h2 {
  font-size: 1.4rem;
  font-weight: 700;
  letter-spacing: -.02em;
  margin-bottom: 12px;
}

.info-panel > p {
  color: rgba(255,255,255,.7);
  font-size: .98rem;
  margin-bottom: 28px;
}

.info-item {
  display: flex;
  gap: 15px;
  align-items: flex-start;
  padding: 16px 0;
}

.info-item:not(:last-child) {
  border-bottom: 1px solid rgba(255,255,255,.1);
}

.info-ico {
  flex-shrink: 0;
  width: 42px;
  height: 42px;
  border-radius: 11px;
  background: rgba(0,196,125,.15);
  display: flex;
  align-items: center;
  justify-content: center;
}

.info-ico svg,
.info-ico img {
  width: 20px;
  height: 20px;
}

.info-item h3 {
  font-size: .82rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .07em;
  color: rgba(255,255,255,.55);
  margin-bottom: 3px;
}

.info-item a,
.info-item span {
  color: var(--white);
  font-size: 1rem;
  font-weight: 500;
  text-decoration: none;
}

.info-item a:hover {
  color: var(--green);
}

/* Form card */
.form-card {
  background: var(--white);
  border: 1px solid var(--gray-border);
  border-radius: var(--r-lg);
  padding: 38px 36px;
  box-shadow: var(--shadow-sm);
}

.form-card h2 {
  font-size: 1.4rem;
  font-weight: 700;
  letter-spacing: -.02em;
  margin-bottom: 6px;
}

.form-card .sub {
  color: var(--gray-text);
  font-size: .98rem;
  margin-bottom: 28px;
}

.contact-section .form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}

.contact-section .field {
  display: block;
  margin-bottom: 20px;
}

.contact-section .field label {
  display: block;
  font-size: .9rem;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 7px;
}

.contact-section .field input,
.contact-section .field textarea {
  width: 100%;
  font-family: inherit;
  font-size: 1rem;
  color: var(--ink);
  background: var(--gray-bg);
  border: 1.5px solid var(--gray-border);
  border-radius: var(--r);
  padding: 12px 14px;
  transition: border-color .2s, box-shadow .2s, background .2s;
}

.contact-section .field input::placeholder,
.contact-section .field textarea::placeholder {
  color: #9aa4ba;
}

.contact-section .field input:focus,
.contact-section .field textarea:focus {
  outline: none;
  border-color: var(--green);
  background: var(--white);
  box-shadow: 0 0 0 4px rgba(0,196,125,.14);
}

.contact-section .field textarea {
  resize: vertical;
  min-height: 130px;
}

.form-note {
  font-size: .85rem;
  color: var(--gray-text);
  text-align: center;
  margin-top: 16px;
}

/* Contact mobile */
@media (max-width: 860px) {
  .contact-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }
}

@media (max-width: 600px) {
  .page-head {
    padding: 64px 5% 56px;
  }
  .contact-section {
    padding: 56px 5%;
  }
  .form-card,
  .info-panel {
    padding: 28px 22px;
  }
  .contact-section .form-row {
    grid-template-columns: 1fr;
    gap: 0;
  }
}

/* ══════════════════════════════════
   POLICY PAGES (privacy.html, credit-authorization.html, terms.html)
══════════════════════════════════ */
.policy-section {
  padding: 72px 5% 80px;
  background: var(--gray-bg);
}

.policy-block {
  max-width: 820px;
  margin: 0 auto;
}

.policy-title {
  font-size: 1.55rem;
  font-weight: 800;
  color: var(--ink);
  letter-spacing: -.02em;
  margin-bottom: 4px;
}

.policy-effective {
  display: block;
  font-size: .88rem;
  color: var(--gray-text);
  margin-bottom: 40px;
}

.policy-toc {
  background: var(--white);
  border: 1px solid var(--gray-border);
  border-radius: var(--r-lg);
  padding: 28px 32px;
  margin-bottom: 40px;
  box-shadow: var(--shadow-sm);
}

.policy-toc h3 {
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .09em;
  text-transform: uppercase;
  color: var(--gray-text);
  margin-bottom: 16px;
}

.policy-toc ul,
.policy-toc ol {
  margin: 0 0 0 1.2rem;
  padding: 0;
}

.policy-toc li {
  margin-bottom: 6px;
}

.policy-toc a {
  color: var(--green-dk);
  text-decoration: none;
  font-size: .94rem;
  font-weight: 500;
}

.policy-toc a:hover {
  text-decoration: underline;
}

.policy-block h2 {
  font-size: 1.08rem;
  font-weight: 700;
  color: var(--ink);
  margin-top: 52px;
  margin-bottom: 10px;
  letter-spacing: -.01em;
  padding-top: 8px;
  border-top: 1px solid var(--gray-border);
}

.policy-block h2:first-of-type {
  border-top: none;
  margin-top: 0;
}

.policy-block h3 {
  font-size: .97rem;
  font-weight: 700;
  color: var(--ink);
  margin-top: 28px;
  margin-bottom: 8px;
}

.policy-block p {
  color: var(--gray-text);
  font-size: .97rem;
  line-height: 1.78;
  margin-bottom: .9rem;
}

.policy-block ul,
.policy-block ol {
  margin: 0 0 1rem 1.4rem;
  color: var(--gray-text);
  font-size: .97rem;
  line-height: 1.78;
}

.policy-block li {
  margin-bottom: .45rem;
}

.policy-block strong {
  color: var(--ink);
}

.policy-block a {
  color: var(--green-dk);
  text-decoration: none;
}

.policy-block a:hover {
  text-decoration: underline;
}

/* Privacy request links */
.priv-request-link {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: var(--green-soft);
  color: var(--green-dk);
  border: 1px solid #b6e8d5;
  border-radius: var(--r);
  padding: 9px 18px;
  font-size: .9rem;
  font-weight: 600;
  font-family: inherit;
  cursor: pointer;
  text-decoration: none;
  transition: background .2s, border-color .2s;
}

.priv-request-link:hover {
  background: #d4f3e6;
  border-color: #8fd9bc;
}

.priv-request-link.dns {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}

.priv-request-link.dns:hover {
  background: var(--navy-2);
}

.priv-links-group {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 10px;
  margin-bottom: 14px;
}

/* Privacy request modal */
.modal-backdrop {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(10,37,64,.55);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  z-index: 500;
  align-items: center;
  justify-content: center;
  padding: 20px;
}

.modal-backdrop.open {
  display: flex;
}

.modal-card {
  background: var(--white);
  border-radius: var(--r-lg);
  padding: 40px 36px 36px;
  max-width: 540px;
  width: 100%;
  box-shadow: 0 24px 64px rgba(10,37,64,.22);
  position: relative;
  max-height: 90vh;
  overflow-y: auto;
}

.modal-close {
  position: absolute;
  top: 16px;
  right: 18px;
  background: none;
  border: none;
  font-size: 1.4rem;
  line-height: 1;
  color: var(--gray-text);
  cursor: pointer;
  padding: 4px 8px;
  border-radius: 6px;
  transition: background .15s;
}

.modal-close:hover {
  background: var(--gray-bg);
}

.modal-card h2 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 6px;
  margin-top: 0;
  border: none;
  padding-top: 0;
}

.modal-sub {
  font-size: .92rem;
  color: var(--gray-text);
  margin-bottom: 28px;
}

.modal-field {
  margin-bottom: 18px;
}

.modal-field label {
  display: block;
  font-size: .88rem;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 6px;
}

.modal-field .req {
  color: #e53e3e;
  margin-left: 2px;
}

.modal-field input,
.modal-field select,
.modal-field textarea {
  width: 100%;
  border: 1.5px solid var(--gray-border);
  border-radius: var(--r);
  padding: 11px 14px;
  font-family: inherit;
  font-size: .97rem;
  color: var(--ink);
  background: var(--gray-bg);
  transition: border-color .2s, box-shadow .2s, background .2s;
  box-sizing: border-box;
}

.modal-field input:focus,
.modal-field select:focus,
.modal-field textarea:focus {
  outline: none;
  border-color: var(--green);
  background: var(--white);
  box-shadow: 0 0 0 4px rgba(0,196,125,.14);
}

.modal-field textarea {
  resize: vertical;
  min-height: 90px;
}

.modal-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.modal-submit {
  width: 100%;
  margin-top: 6px;
}

.modal-note {
  font-size: .8rem;
  color: var(--gray-text);
  text-align: center;
  margin-top: 12px;
}

/* Arbitration notice (terms.html) */
.arb-notice {
  background: #fff8e7;
  border: 1px solid #f0d060;
  border-left: 4px solid #e6ac00;
  border-radius: var(--r);
  padding: 18px 20px;
  margin-bottom: 28px;
  font-size: .92rem;
  color: var(--ink);
  line-height: 1.7;
}

/* Address block (terms.html) */
.address-block {
  background: var(--white);
  border: 1px solid var(--gray-border);
  border-radius: var(--r);
  padding: 18px 22px;
  margin: 12px 0 16px;
  font-size: .97rem;
  color: var(--gray-text);
  line-height: 1.9;
}

/* Apply page: checkbox row spacing */
.err-msg + .checkbox-row {
  margin-top: 10px;
}

@media (max-width: 600px) {
  .policy-section {
    padding: 48px 5% 64px;
  }
  .policy-toc {
    padding: 20px;
  }
  .modal-card {
    padding: 30px 20px 24px;
  }
  .modal-row {
    grid-template-columns: 1fr;
  }
}