:root{
  --ink:#172033;
  --ink-2:#25324a;
  --bg:#eef3f8;
  --panel:#ffffff;
  --primary:#1f4f8f;
  --primary-dark:#173b6e;
  --primary-soft:#eaf2ff;
  --accent:#b9914a;
  --danger:#b42318;
  --danger-soft:#fff1f0;
  --line:#d8e1ec;
  --muted:#667085;
  --soft:#98a2b3;
  --font:'Times New Roman', Times, serif;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
html,body,button,input,select,textarea,label,a,small,strong,b,h1,h2,h3,h4,h5,h6,p,span,div,table,th,td{font-family:var(--font)!important}
body{margin:0;color:var(--ink);background:linear-gradient(180deg,#f8fafc 0,#edf2f7 100%);font-size:16px}
a{text-decoration:none;color:inherit}

/* Header */
.topbar{min-height:94px;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 7px 24px rgba(23,32,51,.06);display:flex;align-items:center;justify-content:space-between;padding:14px max(28px,calc((100vw - 1120px)/2));position:sticky;top:0;z-index:100}
.brand{display:flex;align-items:center;gap:18px;min-width:0}
.brand img{display:block;width:auto;height:60px;max-width:220px;object-fit:contain;object-position:left center;background:#fff;border:0;border-radius:0;flex-shrink:0}
.brand h3{margin:0;font-size:2h3px;line-height:1.1;color:#172033;letter-spacing:.01em}
.brand small{display:block;margin-top:5px;color:var(--muted);font-size:13px}
.nav{display:flex;gap:10px;align-items:center}

.wrap{max-width:1120px;margin:0 auto;padding:46px 24px 80px}

/* Landing */
.hero{position:relative;overflow:hidden;background:#fff;border:1px solid var(--line);border-radius:28px;padding:52px 48px;box-shadow:0 22px 65px rgba(23,32,51,.09)}
.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(120deg,rgba(31,79,143,.06),transparent 46%),repeating-linear-gradient(135deg,rgba(31,79,143,.03) 0,rgba(31,79,143,.03) 1px,transparent 1px,transparent 18px);pointer-events:none}
.hero:after{content:"";position:absolute;width:260px;height:260px;border-radius:50%;right:-105px;top:-130px;background:rgba(185,145,74,.09);pointer-events:none}
.hero>*{position:relative;z-index:1}
.eyebrow,.panel-eyebrow{color:var(--primary);font-size:12px;font-weight:700;letter-spacing:.15em;text-transform:uppercase}
.hero h1{margin:14px 0 16px;font-size:48px;line-height:1.08;letter-spacing:-.02em;color:#111827;max-width:900px}
.hero>p{max-width:760px;margin:0;color:#536078;font-size:18px;line-height:1.65}
.chips{display:flex;flex-wrap:wrap;gap:12px;margin:30px 0 34px}
.chip{display:inline-flex;align-items:center;padding:11px 17px;border:1px solid #cfd9e6;border-radius:999px;background:#fff;color:#264266;font-weight:700;box-shadow:0 5px 16px rgba(23,32,51,.035)}
.choice-wrap{margin-top:32px;padding-top:28px;border-top:1px solid #e5ebf2}
.choice-heading h2{margin:0 0 8px;font-size:29px;color:#172033}
.choice-heading p{margin:0 0 20px;color:var(--muted);font-size:16px}
.choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.choice,.applicant-choice{position:relative;width:100%;min-height:126px;padding:26px 24px;border:2px solid #d6dfeb;border-radius:18px;background:linear-gradient(180deg,#fff,#fbfcfe);color:var(--ink);text-align:center;cursor:pointer;transition:all .2s ease;box-shadow:0 8px 24px rgba(23,32,51,.04)}
.choice:hover,.applicant-choice:hover{border-color:#7fa3d2;transform:translateY(-2px);box-shadow:0 16px 36px rgba(31,79,143,.11)}
.choice b,.applicant-choice b{display:block;font-size:19px;color:#172033}
.choice p,.applicant-choice p{margin:8px 0 0;color:#67758a;font-size:15px}
.choice-check{display:inline-flex;margin-top:8px;width:25px;height:25px;align-items:center;justify-content:center;border-radius:50%;color:#fff;background:#c7d2e2;opacity:.65;transition:.2s}
.applicant-choice.selected{border-color:#1f5eb5!important;background:linear-gradient(180deg,#f5f9ff,#e8f1ff)!important;box-shadow:0 0 0 4px rgba(31,94,181,.12),0 18px 42px rgba(31,79,143,.16)!important}
.applicant-choice.selected b{color:#174782}
.applicant-choice.selected .choice-check{background:#1f5eb5;opacity:1;transform:scale(1.06)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:1px solid transparent;border-radius:11px;padding:13px 22px;background:linear-gradient(135deg,var(--primary),var(--primary-dark));color:#fff;font-size:15px;font-weight:700;cursor:pointer;box-shadow:0 10px 24px rgba(31,79,143,.18);transition:.18s}
.btn:hover{transform:translateY(-1px);filter:brightness(.98)}
.btn.secondary{background:#fff;color:var(--ink);border-color:#cfd8e5;box-shadow:0 4px 12px rgba(23,32,51,.04)}
.btn.danger{background:#fff;color:var(--danger);border-color:#efc6c1;box-shadow:none}
.btn:disabled{opacity:.5;cursor:not-allowed;transform:none;box-shadow:none}

/* Form layout */
.layout{display:grid;grid-template-columns:250px minmax(0,1fr);gap:34px}
.stepper{position:sticky;top:120px;align-self:start;background:rgba(255,255,255,.72);border:1px solid var(--line);border-radius:18px;padding:20px 18px;backdrop-filter:blur(8px)}
.step{display:flex;gap:12px;position:relative;padding-bottom:25px;cursor:pointer}
.step:before{content:"";position:absolute;left:16px;top:34px;bottom:0;width:2px;background:var(--line)}
.step:last-child{padding-bottom:0}.step:last-child:before{display:none}.step.done:before{background:var(--primary)}
.badge{width:34px;height:34px;flex:0 0 34px;border-radius:50%;display:flex;align-items:center;justify-content:center;border:2px solid #ccd6e2;background:#fff;color:#7b8799;font-weight:700;z-index:1}
.step.done .badge{background:var(--primary);border-color:var(--primary);color:#fff}.step.done .badge span{display:none}.step.done .badge:after{content:'✓'}
.step.active .badge{border-color:var(--primary);color:var(--primary);box-shadow:0 0 0 5px var(--primary-soft)}
.step.error .badge{border-color:var(--danger);color:var(--danger);box-shadow:0 0 0 5px var(--danger-soft)}
.step-title{font-weight:700;font-size:14px;color:#25324a}.step-desc{font-size:12px;color:#8b96a8;margin-top:3px}
.panel{background:#fff;border:1px solid var(--line);border-radius:22px;padding:32px;box-shadow:0 18px 52px rgba(23,32,51,.07)}
.panel-head{margin-bottom:26px;padding-bottom:18px;border-bottom:1px solid #e8edf3}
.panel h2{margin:7px 0 6px;font-size:29px;color:#172033}.sub{color:var(--muted);font-size:15px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:18px}.row3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:18px}
.field{margin-bottom:19px}.field label{display:block;margin-bottom:8px;color:#243149;font-size:14px;font-weight:700}.req{color:var(--danger)}
input,select,textarea{width:100%;padding:13px 14px;border:1.5px solid #ccd7e4;border-radius:11px;background:#fff;color:#1f2937;font-size:15px;outline:none;transition:.16s}
textarea{min-height:100px;resize:vertical}input:focus,select:focus,textarea:focus{border-color:#3971bb;box-shadow:0 0 0 4px rgba(57,113,187,.11)}
.field.has-error input,.field.has-error select,.field.has-error textarea,.upload-card.has-error{border-color:var(--danger)!important;background:var(--danger-soft)!important}.err-msg{display:none;color:var(--danger);font-size:12px;font-weight:700;margin-top:6px}.field.has-error .err-msg,.upload-card.has-error .err-msg{display:block}.field.is-valid input,.field.is-valid select,.field.is-valid textarea{border-color:#3a7d5a}
.error-summary{display:none;margin-bottom:18px;padding:13px 15px;border:1px solid #efc6c1;border-radius:12px;background:var(--danger-soft);color:var(--danger);font-weight:700}.error-summary.show{display:block}
.owner-card{position:relative;margin-bottom:14px;padding:17px;border:1.5px dashed #cbd6e3;border-radius:15px;background:#fbfcfe}.remove-owner{position:absolute;right:12px;top:12px;border:0;background:transparent;color:var(--danger);font-weight:700;cursor:pointer}.add-owner{padding:11px 16px;border:1.5px dashed var(--primary);border-radius:11px;background:#fff;color:var(--primary-dark);font-weight:700;cursor:pointer}
.upload-grid{display:flex;flex-direction:column;gap:13px}.upload-card{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:16px;border:1.5px solid #d4deea;border-radius:15px;background:#fff}.upload-card.uploaded{border-color:#4d8064;background:#f0f8f3}.upload-left{display:flex;gap:14px;align-items:center}.upload-icon{width:42px;height:42px;display:flex;align-items:center;justify-content:center;border:1px solid #d4deea;border-radius:11px;background:#fff;font-weight:700}.upload-meta{margin-top:3px;color:#8b96a8;font-size:11px}.summary-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px 24px}.summary-row{padding:10px 0;border-bottom:1px solid #e5ebf2}.summary-row small{display:block;color:var(--muted);font-size:12px}.summary-row b{display:block;margin-top:4px}.footer-nav{display:flex;justify-content:space-between;align-items:center;margin-top:24px}

/* Cover letter */
.cover-page{background:linear-gradient(180deg,#e9eef5 0,#f5f7fa 38%,#edf2f7 100%)}
.cover-wrap{max-width:1120px;padding-top:42px}
.cover-shell{max-width:1040px;margin:0 auto;padding:36px;background:#fff;border:1px solid #d5deea;border-radius:24px;box-shadow:0 26px 75px rgba(23,32,51,.13)}
.cover-heading{display:flex;justify-content:space-between;gap:20px;align-items:flex-start;margin-bottom:25px;padding:0 0 22px;border-bottom:1px solid #dce4ee}
.cover-heading h1{margin:9px 0 10px;font-size:32px;line-height:1.1;color:#172033}.cover-heading p{margin:0;color:#59677a;font-size:16px;line-height:1.5}
.cover-letter{max-height:64vh;overflow-y:auto;padding:44px 48px;border:1px solid #dce4ee;border-radius:16px;background:#fff;box-shadow:inset 0 1px 0 #fff,0 8px 22px rgba(23,32,51,.035);color:#273449;font-size:16px;line-height:1.8}
.cover-letter p{margin:0 0 18px}.cover-letter ul,.cover-letter ol{padding-left:27px}.cover-letter li{margin:5px 0}
.cover-actions{margin-top:18px;padding:17px 19px;border:1px solid #d5deea;border-radius:14px;background:#f7f9fc}
.cover-confirm{display:flex!important;flex-direction:row!important;align-items:flex-start!important;justify-content:flex-start!important;gap:11px!important;text-align:left!important;cursor:pointer}
.cover-confirm input[type=checkbox]{width:18px!important;height:18px!important;min-width:18px!important;flex:0 0 18px!important;margin:2px 0 0!important;accent-color:var(--primary)}
.cover-buttons{display:flex;gap:10px;margin-top:14px}
.status{display:inline-block;padding:6px 10px;border-radius:999px;background:#edf4ff;color:#234d84;font-size:12px;font-weight:700;white-space:nowrap}

/* Success */
.success-box{text-align:center;max-width:700px;margin:40px auto}.success-seal{width:84px;height:84px;margin:0 auto 22px;border:3px solid var(--primary);border-radius:50%;display:flex;align-items:center;justify-content:center;background:var(--primary-soft);color:var(--primary);font-size:36px;font-weight:700}.ref-box{display:inline-block;padding:12px 20px;border-radius:11px;background:var(--ink);color:#dbeafe;font-weight:700}


/* Admin */
.admin-body{background:#f1f4f8}.admin-topbar{min-height:88px;padding:13px 34px;background:#fff;border-bottom:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;box-shadow:0 6px 20px rgba(23,32,51,.05)}.admin-topbar-brand{display:flex;align-items:center;gap:15px}.admin-topbar-brand img{height:58px;width:auto;max-width:210px;object-fit:contain}.admin-topbar-brand strong{display:block;font-size:21px}.admin-topbar-brand small{display:block;margin-top:4px;color:var(--muted)}.admin-content{max-width:1400px;margin:0 auto;padding:34px}.admin-logout{white-space:nowrap}
.stat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:22px 0}.stat,.detail-card,.table-card,.login-card{background:#fff;border:1px solid var(--line);box-shadow:0 14px 40px rgba(23,32,51,.055)}.stat{padding:20px;border-radius:16px}.stat small{color:var(--muted);font-weight:700}.stat b{display:block;margin-top:8px;font-size:30px}.filters{display:flex;gap:10px;align-items:center;margin:20px 0}.filters input{min-width:260px}.table-card{overflow:hidden;border-radius:18px}.table{width:100%;border-collapse:collapse}.table th,.table td{padding:14px;border-bottom:1px solid var(--line);text-align:left;font-size:14px}.table th{background:#f7f9fc;color:#536078;font-size:12px;text-transform:uppercase}.status.submitted{background:#eef6ff;color:#245386}.status.approved{background:#edf8f1;color:#2f6c49}.status.rejected{background:#fff1f0;color:#b42318}.status.changes{background:#fff6df;color:#8c6500}.detail-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.detail-card{padding:20px;border-radius:17px}.kv{display:grid;grid-template-columns:170px 1fr;gap:8px;padding:8px 0;border-bottom:1px solid var(--line);font-size:14px}.kv span{color:var(--muted)}.doc-list a{display:flex;justify-content:space-between;align-items:center;padding:12px;border:1px solid var(--line);border-radius:11px;margin-bottom:10px;background:#fff}.login-card{max-width:430px;margin:70px auto;padding:34px;border-radius:22px}.login-card .brand{justify-content:center;margin-bottom:25px}.alert{padding:12px 14px;border-radius:11px;margin-bottom:16px;font-weight:700}.alert.err{background:var(--danger-soft);color:var(--danger);border:1px solid #efc6c1}

@media(max-width:850px){.layout{grid-template-columns:1fr}.stepper{position:static;display:flex;overflow-x:auto;gap:14px;padding:14px}.step{min-width:150px;padding-bottom:0}.step:before{display:none}.row3{grid-template-columns:1fr 1fr}}
@media(max-width:700px){.topbar{padding:12px 18px}.brand img{height:50px;max-width:160px}.brand h3{font-size:18px}.brand small{font-size:11px}.wrap{padding:28px 14px 55px}.hero{padding:32px 23px;border-radius:20px}.hero h1{font-size:36px}.hero>p{font-size:16px}.choice-grid,.row2,.row3,.summary-grid,.detail-grid{grid-template-columns:1fr}.cover-shell{padding:18px;border-radius:18px}.cover-heading{display:block}.cover-heading h1{font-size:31px}.cover-heading .status{margin-top:12px}.cover-letter{padding:24px 21px;font-size:15px;max-height:62vh}.cover-actions{padding:14px}.cover-buttons{flex-wrap:wrap}.admin-content{padding:20px 12px}.filters{flex-direction:column;align-items:stretch}.filters input{min-width:0}.table-card{overflow-x:auto}.stat-grid{grid-template-columns:1fr 1fr}}

@media print{.topbar,.cover-actions{display:none!important}.cover-page{background:#fff}.cover-wrap{padding:0;max-width:none}.cover-shell{box-shadow:none;border:0;padding:0;max-width:none}.cover-letter{max-height:none;overflow:visible;border:0;box-shadow:none;padding:0}.cover-heading{margin-top:0}}

/* ===== Modern public application layout ===== */
.application-page{
  min-height:100vh;
  background:
    radial-gradient(circle at 12% 8%,rgba(52,118,218,.12),transparent 30%),
    radial-gradient(circle at 92% 4%,rgba(31,79,143,.08),transparent 26%),
    linear-gradient(135deg,#f6f9fd 0%,#eef3fa 48%,#f7f9fc 100%);
}
.application-page .topbar{
  min-height:78px;
  padding-top:9px;
  padding-bottom:9px;
  box-shadow:0 3px 18px rgba(29,52,84,.06);
}
.application-page .brand img{height:54px;max-width:190px}
.application-page .wrap{max-width:1080px;padding-top:34px}
.submission-meta{
  display:flex;align-items:center;gap:10px;margin:0 0 18px 4px;
  color:#6f7d91;font-size:13px;
}
.submission-meta .status{padding:7px 12px;border-radius:999px;font-size:12px}
.secure-dot{margin-left:auto;display:inline-flex;align-items:center;gap:7px;color:#47705b;font-weight:700}
.secure-dot:before{content:"";width:7px;height:7px;border-radius:50%;background:#39a66a;box-shadow:0 0 0 4px rgba(57,166,106,.12)}
.application-page .layout{grid-template-columns:220px minmax(0,1fr);gap:30px;align-items:start}
.application-page .stepper{
  top:102px;background:transparent;border:0;border-radius:0;padding:4px 0;backdrop-filter:none;
}
.application-page .step{padding:0 0 25px;gap:13px}
.application-page .step:before{left:16px;top:34px;bottom:0;background:#d8e2ef}
.application-page .badge{
  width:34px;height:34px;flex-basis:34px;border:1px solid #d5dfeb;color:#92a0b2;
  box-shadow:0 5px 15px rgba(37,64,101,.05)
}
.application-page .step.done .badge{background:#2d72df;border-color:#2d72df;box-shadow:0 8px 18px rgba(45,114,223,.24)}
.application-page .step.done:before{background:#79a9ef}
.application-page .step.active .badge{background:#fff;border:2px solid #2d72df;color:#1d62c7;box-shadow:0 0 0 4px rgba(45,114,223,.08)}
.application-page .step-title{font-size:13px;color:#25344c;line-height:1.2}
.application-page .step-desc{font-size:10.5px;line-height:1.35;color:#8b99ac;max-width:150px}
.application-page .panel{
  border:1px solid rgba(205,216,230,.9);border-radius:20px;padding:28px 30px 30px;
  box-shadow:0 18px 46px rgba(35,60,95,.08);min-height:380px;
}
.application-page .panel-head{margin-bottom:23px;padding-bottom:0;border:0}
.application-page .panel-eyebrow{font-size:10px;letter-spacing:.18em;color:#2867c8}
.application-page .panel h2{font-size:25px;line-height:1.2;margin:8px 0 5px;letter-spacing:-.01em}
.application-page .sub{font-size:13px;color:#718096;line-height:1.5}
.application-page .field{margin-bottom:20px}
.application-page .field>label{font-size:13px;margin-bottom:9px;color:#22324a}
.application-page input:not([type=radio]):not([type=checkbox]),
.application-page select,
.application-page textarea{
  min-height:47px;border:1px solid #d4deea;border-radius:10px;padding:12px 14px;background:#fff;
  box-shadow:0 1px 2px rgba(22,42,70,.02);font-size:14px;
}
.application-page select{appearance:auto}
.application-page input:focus,.application-page select:focus,.application-page textarea:focus{
  border-color:#2d72df;box-shadow:0 0 0 4px rgba(45,114,223,.10)
}
.application-page .radio-row{display:flex;flex-wrap:wrap;gap:9px}
.application-page .radio-pill{
  display:inline-flex;align-items:center;gap:8px;margin:0;padding:9px 14px;border:1px solid #d7e0eb;
  border-radius:999px;background:#fff;color:#314158;font-size:13px;font-weight:600;cursor:pointer;
  transition:border-color .18s,background .18s,box-shadow .18s,transform .18s;
}
.application-page .radio-pill:hover{border-color:#8eb1e7;background:#f8fbff;transform:translateY(-1px)}
.application-page .radio-pill:has(input:checked){border-color:#2d72df;background:#edf5ff;color:#185cbf;box-shadow:0 0 0 3px rgba(45,114,223,.08)}
.application-page .radio-pill input{width:15px;height:15px;margin:0;accent-color:#2d72df}
.application-page .radio-field{padding-bottom:2px}
.application-page .row2{gap:16px}
.application-page .footer-nav{margin-top:20px;padding:0 2px}
.application-page .footer-actions{display:flex;gap:10px;flex-wrap:wrap}
.application-page .footer-nav .btn{min-height:44px;border-radius:10px;padding:11px 20px;font-size:13px}
.application-page #nextBtn{min-width:126px;background:linear-gradient(135deg,#3479e5,#1656be);box-shadow:0 10px 22px rgba(38,103,205,.22)}
.application-page .back-btn{min-width:80px}
.application-page .error-summary,.application-page .draft-banner{border-radius:10px;font-size:13px}
.application-page .upload-card{border-radius:12px;padding:15px}
.application-page .banking-requirement{border-radius:10px}

@media(max-width:850px){
  .application-page .layout{grid-template-columns:1fr}
  .application-page .stepper{background:rgba(255,255,255,.72);border:1px solid #dce5ef;border-radius:14px;padding:12px;overflow-x:auto}
  .application-page .step{min-width:165px;padding:0}
  .application-page .step-desc{max-width:120px}
}
@media(max-width:700px){
  .application-page .wrap{padding-top:22px}
  .submission-meta{margin-left:0}.secure-dot{display:none}
  .application-page .panel{padding:23px 18px;border-radius:16px}
  .application-page .panel h2{font-size:23px}
  .application-page .radio-row{gap:8px}
  .application-page .radio-pill{padding:9px 12px}
  .application-page .footer-nav{gap:12px;align-items:stretch}
  .application-page .footer-actions{margin-left:auto}
}

/* Declaration checkbox alignment */
.declaration-field label,
.declaration-label{
    display:flex;
    align-items:flex-start;
    gap:12px;
    cursor:pointer;
    line-height:1.6;
}
.declaration-field label input[type="checkbox"],
.declaration-label input[type="checkbox"]{
    width:18px;
    height:18px;
    margin:3px 0 0;
    flex-shrink:0;
}
.declaration-field label > span,
.declaration-label > span{
    flex:1;
    display:block;
}