.apply-shell{color:#f0f0f0;background:#111318;flex-direction:column;min-height:100vh;display:flex}.apply-header{-webkit-backdrop-filter:blur(12px);z-index:50;background:#111318cc;border-bottom:1px solid #ffffff0f;justify-content:space-between;align-items:center;height:64px;padding:0 24px;display:flex;position:sticky;top:0}.apply-header-logo{color:#f0f0f0;align-items:center;gap:10px;text-decoration:none;display:inline-flex}.apply-header-logo img{height:30px}.apply-header-help{color:#ffffff80;font-size:13px}.apply-header-help a{color:#ffffffb3;font-weight:500;text-decoration:none;transition:color .2s}.apply-header-help a:hover{color:#fff}.apply-main{flex:1;min-height:0}.apply-stepper{justify-content:center;align-items:flex-start;gap:0;max-width:640px;margin:0 auto;padding:32px 24px 8px;display:flex}.apply-step{cursor:pointer;color:inherit;background:0 0;border:none;flex-direction:column;flex:1;align-items:center;padding:0;display:flex;position:relative}.apply-step-indicator{z-index:2;color:#ffffff59;background:#ffffff0a;border:2px solid #ffffff1a;border-radius:50%;justify-content:center;align-items:center;width:44px;height:44px;transition:all .3s cubic-bezier(.4,0,.2,1);display:flex;position:relative}.apply-step.active .apply-step-indicator{color:#fff;background:#2563eb;border-color:#2563eb;box-shadow:0 0 20px #2563eb59}.apply-step.completed .apply-step-indicator{color:#10b981;background:#10b98126;border-color:#10b981}.apply-step-label{letter-spacing:.3px;text-transform:uppercase;color:#ffffff40;text-align:center;margin-top:10px;font-size:11px;font-weight:600;transition:color .3s}.apply-step.active .apply-step-label{color:#fff}.apply-step.completed .apply-step-label{color:#10b981}.apply-step-connector{z-index:1;background:#ffffff0f;height:2px;position:absolute;top:22px;left:calc(50% + 26px);right:calc(26px - 50%)}.apply-step-connector.filled{background:linear-gradient(90deg,#10b981,#10b9814d)}.apply-step:last-child .apply-step-connector{display:none}.apply-card{max-width:720px;margin:24px auto 40px;padding:0 20px}.apply-card-inner{-webkit-backdrop-filter:blur(8px);background:#ffffff08;border:1px solid #ffffff12;border-radius:16px;padding:36px 32px 32px}.apply-section-title{color:#fff;letter-spacing:-.3px;margin:0 0 8px;font-size:22px;font-weight:700}.apply-section-subtitle{color:#ffffff73;margin:0 0 28px;font-size:13px}.apply-subsection-title{text-transform:uppercase;letter-spacing:.6px;color:#ffffff59;border-bottom:1px solid #ffffff0f;margin:32px 0 16px;padding-bottom:8px;font-size:11px;font-weight:700}.apply-form-grid{grid-template-columns:1fr 1fr;gap:20px;display:grid}.apply-form-grid.three-col{grid-template-columns:2fr 1fr}@media (max-width:600px){.apply-form-grid,.apply-form-grid.three-col{grid-template-columns:1fr}}.apply-field{flex-direction:column;gap:6px;display:flex}.apply-field-label{text-transform:uppercase;letter-spacing:.4px;color:#ffffff80;font-size:11px;font-weight:600}.apply-field-label .required{color:#f87171;margin-left:3px}.apply-field-input,.apply-field-select{color:#f0f0f0;appearance:none;background:#ffffff0a;border:1.5px solid #ffffff1a;border-radius:8px;outline:none;width:100%;height:44px;padding:0 14px;font-family:inherit;font-size:14px;transition:all .2s}.apply-field-select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='rgba(255,255,255,0.4)' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");background-position:right 14px center;background-repeat:no-repeat;padding-right:36px}.apply-field-select option{color:#f0f0f0;background:#1a1b1e}.apply-field-input::placeholder{color:#fff3}.apply-field-input:hover,.apply-field-select:hover{border-color:#fff3}.apply-field-input:focus,.apply-field-select:focus{background:#2563eb0a;border-color:#2563eb;box-shadow:0 0 0 3px #2563eb26}.apply-field-address-wrap{position:relative}.apply-field-address-wrap .apply-field-input{padding-left:38px}.apply-field-address-icon{color:#ffffff4d;pointer-events:none;position:absolute;top:50%;left:12px;transform:translateY(-50%)}.apply-nav{border-top:1px solid #ffffff0f;justify-content:space-between;align-items:center;margin-top:36px;padding-top:24px;display:flex}.apply-btn{cursor:pointer;border:none;border-radius:10px;align-items:center;gap:8px;height:44px;padding:0 24px;font-family:inherit;font-size:14px;font-weight:600;text-decoration:none;transition:all .2s;display:inline-flex}.apply-btn:active{transform:scale(.98)}.apply-btn-back{color:#fff9;background:#ffffff0d;border:1px solid #ffffff14}.apply-btn-back:hover{color:#fff;background:#ffffff14;border-color:#ffffff26}.apply-btn-back:disabled{opacity:.3;cursor:not-allowed}.apply-btn-primary{color:#fff;background:#2563eb}.apply-btn-primary:hover{background:#1d4ed8;box-shadow:0 4px 16px #2563eb59}.apply-btn-primary:disabled{opacity:.5;cursor:wait}.apply-error{color:#fca5a5;background:#ef44441f;border:1px solid #ef444440;border-radius:10px;justify-content:space-between;align-items:center;gap:12px;max-width:720px;margin:0 auto 16px;padding:12px 20px;font-size:14px;display:flex}.apply-error button{color:#fca5a599;cursor:pointer;background:0 0;border:none;flex-shrink:0;padding:2px}.apply-error button:hover{color:#fca5a5}.apply-summary{background:#ffffff08;border:1px solid #ffffff0f;border-radius:10px;margin-bottom:24px;padding:20px}.apply-summary-row{border-bottom:1px solid #ffffff0a;justify-content:space-between;align-items:center;padding:10px 0;display:flex}.apply-summary-row:last-child{border-bottom:none}.apply-summary-label{color:#fff6;font-size:13px}.apply-summary-value{color:#fff;font-size:14px;font-weight:600}.apply-consent{color:#ffffff59;margin-bottom:24px;font-size:12px;line-height:1.7}.apply-purpose-page{max-width:800px;margin:0 auto;padding:48px 24px}.apply-purpose-header{text-align:center;margin-bottom:48px}.apply-purpose-header h1{color:#fff;letter-spacing:-.5px;margin:0 0 12px;font-size:32px;font-weight:700}.apply-purpose-header p{color:#ffffff73;margin:0;font-size:16px}.apply-purpose-header .apply-auth-badge{color:#2563eb;align-items:center;gap:6px;margin-top:14px;font-size:13px;display:inline-flex}.apply-purpose-grid{grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px;display:grid}.apply-purpose-card{cursor:pointer;text-align:center;color:inherit;background:#ffffff08;border:1.5px solid #ffffff12;border-radius:14px;flex-direction:column;align-items:center;padding:32px 20px;transition:all .25s cubic-bezier(.4,0,.2,1);display:flex}.apply-purpose-card:hover{background:#2563eb0f;border-color:#2563eb66;transform:translateY(-3px);box-shadow:0 8px 24px #0003}.apply-purpose-card:disabled{cursor:wait;opacity:.6}.apply-purpose-card-icon{color:#60a5fa;background:#2563eb1a;border-radius:14px;justify-content:center;align-items:center;width:52px;height:52px;margin-bottom:16px;display:flex}.apply-purpose-card h3{color:#fff;margin:0 0 6px;font-size:17px;font-weight:600}.apply-purpose-card p{color:#fff6;margin:0 0 18px;font-size:13px;line-height:1.5}.apply-purpose-card-cta{color:#2563eb;align-items:center;gap:4px;font-size:13px;font-weight:600;display:inline-flex}.apply-existing-banner{text-align:center;background:#ffffff08;border:1px solid #ffffff0f;border-radius:12px;margin-top:40px;padding:24px}.apply-existing-banner h3{color:#fff;margin:0 0 8px;font-size:16px;font-weight:600}.apply-existing-banner p{color:#fff6;margin:0 0 16px;font-size:14px}.apply-existing-banner a{color:#60a5fa;font-weight:500;text-decoration:none}.apply-existing-banner a:hover{text-decoration:underline}.apply-modal-overlay{-webkit-backdrop-filter:blur(4px);z-index:100;background:#0009;justify-content:center;align-items:center;padding:24px;display:flex;position:fixed;inset:0}.apply-modal{background:#1e2028;border:1px solid #ffffff14;border-radius:20px;width:100%;max-width:420px;padding:36px;position:relative}.apply-modal-close{color:#ffffff4d;cursor:pointer;background:0 0;border:none;padding:4px;position:absolute;top:16px;right:16px}.apply-modal-close:hover{color:#fff}.apply-modal-body{text-align:center;margin-bottom:28px}.apply-modal-icon{color:#60a5fa;background:#2563eb1f;border-radius:16px;justify-content:center;align-items:center;width:56px;height:56px;margin:0 auto 20px;display:flex}.apply-modal-body h2{color:#fff;margin:0 0 8px;font-size:20px;font-weight:700}.apply-modal-body p{color:#ffffff73;margin:0;font-size:14px;line-height:1.6}.apply-modal-actions{flex-direction:column;gap:10px;display:flex}.apply-modal-actions .apply-btn{justify-content:center;width:100%}.apply-modal-actions .apply-btn-secondary{color:#fffc;background:#ffffff0d;border:1px solid #ffffff1a}.apply-modal-actions .apply-btn-secondary:hover{background:#ffffff14}.apply-modal-guest{text-align:center;margin-top:12px}.apply-modal-guest button{color:#ffffff59;cursor:pointer;text-underline-offset:3px;background:0 0;border:none;font-size:13px;text-decoration:underline}.apply-modal-guest button:hover{color:#fff9}.apply-submitted{text-align:center;max-width:580px;margin:0 auto;padding:64px 24px}.apply-submitted-check{color:#10b981;background:#10b98126;border-radius:50%;justify-content:center;align-items:center;width:80px;height:80px;margin:0 auto 32px;animation:.4s cubic-bezier(.4,0,.2,1) apply-pop;display:flex}@keyframes apply-pop{0%{opacity:0;transform:scale(.6)}70%{transform:scale(1.08)}to{opacity:1;transform:scale(1)}}.apply-submitted h1{color:#fff;margin:0 0 16px;font-size:28px;font-weight:700}.apply-submitted>p{color:#ffffff73;margin:0 0 40px;font-size:16px;line-height:1.7}.apply-submitted-steps{text-align:left;background:#ffffff08;border:1px solid #ffffff0f;border-radius:14px;margin-bottom:36px;padding:28px}.apply-submitted-steps h2{color:#fff;margin:0 0 20px;font-size:16px;font-weight:600}.apply-submitted-step{align-items:flex-start;gap:14px;margin-bottom:18px;display:flex}.apply-submitted-step:last-child{margin-bottom:0}.apply-submitted-step-num{border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;width:30px;height:30px;font-size:13px;font-weight:700;display:flex}.apply-submitted-step-num.active{color:#fff;background:#2563eb}.apply-submitted-step-num.pending{color:#fff6;background:#ffffff0f}.apply-submitted-step-text strong{color:#fff;margin-bottom:2px;font-size:14px;display:block}.apply-submitted-step-text span{color:#fff6;font-size:13px;line-height:1.5}.apply-submitted-actions{flex-wrap:wrap;justify-content:center;gap:12px;display:flex}.apply-submitted-id{color:#ffffff40;margin-top:40px;font-size:13px}.apply-submitted-id code{background:#ffffff0a;border-radius:4px;padding:3px 8px;font-size:11px}.apply-info-banner{text-align:center;color:#ffffff80;background:#2563eb0f;border:1px solid #2563eb1f;border-radius:10px;max-width:720px;margin:0 auto 40px;padding:14px 20px;font-size:13px}.apply-info-banner strong{color:#ffffffb3}.apply-chat-fab{color:#fff;cursor:pointer;z-index:50;background:#2563eb;border:none;border-radius:50%;justify-content:center;align-items:center;width:52px;height:52px;transition:all .2s;display:flex;position:fixed;bottom:24px;right:24px;box-shadow:0 4px 20px #2563eb66}.apply-chat-fab:hover{transform:scale(1.08);box-shadow:0 6px 24px #2563eb80}.apply-chat-panel{z-index:60;background:#1a1b1e;border:1px solid #ffffff14;border-radius:16px;flex-direction:column;width:380px;height:520px;animation:.25s cubic-bezier(.4,0,.2,1) apply-slide-up;display:flex;position:fixed;bottom:24px;right:24px;overflow:hidden;box-shadow:0 16px 48px #0006}@keyframes apply-slide-up{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}.apply-chat-header{border-bottom:1px solid #ffffff0f;justify-content:space-between;align-items:center;padding:14px 16px;display:flex}.apply-chat-header-info{align-items:center;gap:10px;display:flex}.apply-chat-header-icon{color:#60a5fa;background:#2563eb26;border-radius:10px;justify-content:center;align-items:center;width:34px;height:34px;display:flex}.apply-chat-header-icon.human{color:#38bdf8;background:#0ea5e926}.apply-chat-header-title{color:#fff;font-size:14px;font-weight:600}.apply-chat-header-sub{color:#fff6;font-size:11px}.apply-chat-close{color:#ffffff4d;cursor:pointer;background:0 0;border:none;padding:4px}.apply-chat-close:hover{color:#fff}.apply-chat-ai-banner{color:#fbbf24;background:#f59e0b14;border-bottom:1px solid #f59e0b26;justify-content:space-between;align-items:center;padding:8px 14px;font-size:12px;display:flex}.apply-chat-ai-banner button{color:#fbbf24;cursor:pointer;background:#ffffff0f;border:1px solid #f59e0b4d;border-radius:6px;padding:4px 10px;font-family:inherit;font-size:11px}.apply-chat-ai-banner button:hover{background:#f59e0b1a}.apply-chat-messages{flex:1;padding:14px;overflow-y:auto}.apply-chat-empty{text-align:center;color:#ffffff4d;padding:32px 20px;font-size:13px}.apply-chat-msg{margin-bottom:10px;display:flex}.apply-chat-msg.outgoing{flex-direction:row-reverse}.apply-chat-msg-sender{color:#ffffff4d;margin-bottom:3px;font-size:10px}.apply-chat-msg.outgoing .apply-chat-msg-sender{text-align:right}.apply-chat-msg-bubble{white-space:pre-wrap;border-radius:12px;max-width:80%;padding:10px 14px;font-size:14px;line-height:1.5}.apply-chat-msg-bubble.applicant{color:#fff;background:#2563eb;border-bottom-right-radius:4px}.apply-chat-msg-bubble.ai{color:#ffffffd9;background:#ffffff0f;border-bottom-left-radius:4px}.apply-chat-msg-bubble.lender{color:#ffffffd9;background:#0ea5e91f;border-bottom-left-radius:4px}.apply-chat-system{text-align:center;color:#fff6;background:#2563eb0f;border-radius:8px;margin:8px 0;padding:8px 16px;font-size:12px}.apply-chat-suggestions{flex-wrap:wrap;gap:6px;padding:8px 14px;display:flex}.apply-chat-suggestion{color:#fff9;cursor:pointer;background:#ffffff0a;border:1px solid #ffffff14;border-radius:16px;padding:5px 12px;font-family:inherit;font-size:12px}.apply-chat-suggestion:hover{color:#fff;background:#ffffff14}.apply-chat-input-wrap{border-top:1px solid #ffffff0f;padding:12px}.apply-chat-form{gap:8px;display:flex}.apply-chat-input{color:#f0f0f0;background:#ffffff0a;border:1.5px solid #ffffff14;border-radius:10px;outline:none;flex:1;padding:10px 14px;font-family:inherit;font-size:14px}.apply-chat-input:focus{border-color:#2563eb}.apply-chat-input::placeholder{color:#fff3}.apply-chat-send{cursor:pointer;color:#fff;background:#2563eb;border:none;border-radius:10px;flex-shrink:0;justify-content:center;align-items:center;width:42px;height:42px;transition:background .15s;display:flex}.apply-chat-send:hover{background:#1d4ed8}.apply-chat-send:disabled{opacity:.4;cursor:not-allowed}.apply-spinner-wrap{text-align:center;padding:64px 24px}.apply-spinner{border:3px solid #ffffff14;border-top-color:#2563eb;border-radius:50%;width:40px;height:40px;margin:0 auto 20px;animation:.8s linear infinite apply-spin}@keyframes apply-spin{to{transform:rotate(360deg)}}.apply-spinner-text{color:#fff6;font-size:14px}@media (max-width:600px){.apply-card-inner{padding:28px 20px 24px}.apply-stepper{padding:24px 12px 4px}.apply-step-label{font-size:10px}.apply-step-indicator{width:38px;height:38px}.apply-purpose-header h1{font-size:26px}.apply-chat-panel{width:calc(100vw - 32px);bottom:16px;right:16px}}