.apply-page { background: var(--ice); overflow-x: visible; }
.ap-grid > * { min-width: 0; }
.apply-page .nav { background: rgba(255,255,255,.92); }
.ap-phone { display: inline-flex; align-items: center; gap: 8px; }
.ap-phone svg { width: 18px; height: 18px; color: var(--cobalt); }
.ap { padding: 120px 0 80px; }
.ap-grid { display: grid; grid-template-columns: 340px 1fr; gap: 40px; align-items: start; }

.ap-side { position: sticky; top: 104px; }
.ap-side-in { background: var(--ink); color: var(--white); border-radius: 28px; padding: 34px 30px; position: relative; overflow: hidden; }
.ap-side-in::before { content: ""; position: absolute; width: 260px; height: 260px; right: -110px; top: -110px; border-radius: 50%; background: radial-gradient(circle, rgba(43,84,224,.55), transparent 70%); }
.ap-side h1 { font-size: 1.9rem; margin-bottom: 10px; position: relative; }
.ap-lede { color: rgba(255,255,255,.72); margin-bottom: 22px; font-size: .98rem; }
.ap-points { list-style: none; display: grid; gap: 10px; margin-bottom: 26px; }
.ap-points li { display: flex; gap: 10px; align-items: center; font-weight: 600; font-size: .95rem; }
.ap-points svg { width: 20px; height: 20px; color: #8FE3B7; flex: none; }
.ap-steps { display: grid; gap: 4px; margin-bottom: 24px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.12); }
.ap-steps a { display: flex; align-items: center; gap: 12px; padding: 10px 12px; border-radius: 12px; text-decoration: none; color: rgba(255,255,255,.7); font-weight: 600; font-size: .95rem; transition: background .2s, color .2s; }
.ap-steps a i { font-style: normal; width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; font-size: .8rem; font-weight: 800; border: 1.5px solid rgba(255,255,255,.3); flex: none; transition: background .2s, border-color .2s; }
.ap-steps a:hover { background: rgba(255,255,255,.06); color: var(--white); }
.ap-steps a.on { background: rgba(255,255,255,.08); color: var(--white); }
.ap-steps a.on i { background: var(--cobalt); border-color: var(--cobalt); }
.ap-steps a.ok i { background: #1E9E6A; border-color: #1E9E6A; color: var(--white); }
.ap-need { background: rgba(255,255,255,.06); border-radius: 16px; padding: 16px 18px; font-size: .9rem; color: rgba(255,255,255,.75); margin-bottom: 18px; }
.ap-need b { display: block; color: var(--white); margin-bottom: 4px; }
.ap-secure { display: flex; gap: 10px; font-size: .82rem; color: rgba(255,255,255,.6); }
.ap-secure svg { width: 18px; height: 18px; flex: none; color: var(--fund); margin-top: 2px; }

.ap-form { background: var(--white); border-radius: 28px; padding: 44px 48px; box-shadow: 0 40px 100px -60px rgba(13,19,48,.45); border: 1px solid var(--line); }
.wstep { border: 0; padding: 0 0 36px; margin: 0 0 36px; border-bottom: 1px solid var(--line); scroll-margin-top: 110px; }
.wstep:last-of-type { border-bottom: 0; margin-bottom: 8px; }
.steplabel { color: var(--cobalt); font-weight: 800; font-size: .85rem; margin-bottom: 4px; }
.wstep h2 { font-size: 1.7rem; margin-bottom: 22px; }
.ap-form label { display: block; font-weight: 700; font-size: .9rem; margin: 16px 0 7px; color: var(--ink); }
.ap-form label.q { margin-top: 22px; }
.ap-form input[type=text], .ap-form input[type=tel], .ap-form input[type=email], .ap-form select {
  width: 100%; font: 500 1rem var(--body); color: var(--ink); background: var(--white);
  border: 1.5px solid var(--line); border-radius: 12px; padding: 13px 14px; transition: border-color .2s, box-shadow .2s; appearance: none; -webkit-appearance: none;
}
.ap-form select { background-image: linear-gradient(45deg, transparent 50%, var(--muted) 50%), linear-gradient(135deg, var(--muted) 50%, transparent 50%); background-position: calc(100% - 20px) 52%, calc(100% - 14px) 52%; background-size: 6px 6px; background-repeat: no-repeat; padding-right: 36px; }
.ap-form input:focus, .ap-form select:focus { outline: none; border-color: var(--cobalt); box-shadow: 0 0 0 4px rgba(43,84,224,.12); }
.ap-form input[readonly] { background: var(--ice); }
.ap-form .invalid, .ap-form input.invalid, .ap-form select.invalid { border-color: #D93B3B !important; box-shadow: 0 0 0 4px rgba(217,59,59,.1); }
.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 0 18px; }
.row3 { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 0 18px; }
.sub { font-weight: 800; margin: 26px 0 0; font-size: 1rem; }
.hint { color: var(--muted); font-size: .88rem; font-weight: 500; }
.radio { display: flex; flex-wrap: wrap; gap: 10px; }
.radio label { display: inline-flex; align-items: center; gap: 8px; margin: 0; padding: 11px 16px; border: 1.5px solid var(--line); border-radius: 12px; font-weight: 600; cursor: pointer; transition: border-color .2s, background .2s; }
.radio label:has(input:checked) { border-color: var(--cobalt); background: var(--ice); }
.radio label.invalid { border-color: #D93B3B; }
.radio input { accent-color: var(--cobalt); width: 16px; height: 16px; }
.consent { display: flex !important; gap: 12px; align-items: flex-start; font-weight: 500 !important; cursor: pointer; }
.consent input { accent-color: var(--cobalt); width: 18px; height: 18px; margin-top: 2px; flex: none; }
.consent.invalid span, .consent input.invalid + span { color: #D93B3B; }
.add2 { margin-top: 26px !important; padding: 14px 16px; border: 1.5px dashed var(--line); border-radius: 12px; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.drop { display: flex !important; align-items: center; gap: 16px; margin: 0 !important; padding: 22px; border: 2px dashed #C9D3E6; border-radius: 16px; background: var(--ice); cursor: pointer; font-weight: 500 !important; transition: border-color .2s, background .2s; }
.drop:hover, .drop.over { border-color: var(--cobalt); background: #E4EBFB; }
.drop input { position: absolute; width: 1px; height: 1px; opacity: 0; }
.drop-ico { width: 48px; height: 48px; border-radius: 14px; background: var(--white); color: var(--cobalt); display: grid; place-items: center; flex: none; }
.drop-ico svg { width: 22px; height: 22px; }
.drop-sm { padding: 16px; font-size: .92rem; }
.docs2 { margin-top: 4px; }
.files { list-style: none; display: grid; gap: 6px; margin: 10px 0 0; }
.files li { display: flex; justify-content: space-between; align-items: center; gap: 10px; padding: 9px 12px; background: var(--ice); border-radius: 10px; font-size: .88rem; font-weight: 600; }
.files li span { overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.files button { background: none; border: 0; color: var(--cobalt); font: 700 .85rem var(--body); cursor: pointer; flex: none; }

.auth { max-height: 170px; overflow-y: auto; border: 1.5px solid var(--line); border-radius: 14px; padding: 16px 18px; font-size: .85rem; color: var(--muted); background: #FAFBFD; margin-top: 10px; }
.auth p + p { margin-top: 10px; }
.auth:focus { outline: 3px solid rgba(43,84,224,.3); }
.ap-form .consent { margin-top: 16px; }
.consent a { color: var(--cobalt); font-weight: 700; }
.sigwrap { position: relative; border: 1.5px solid var(--line); border-radius: 14px; background: #FAFBFD; height: 150px; touch-action: none; }
.sigwrap canvas { width: 100%; height: 100%; display: block; cursor: crosshair; border-radius: 14px; }
.sigline { position: absolute; left: 34px; right: 20px; bottom: 34px; border-bottom: 1.5px solid #C9D3E6; pointer-events: none; }
.sigx { position: absolute; left: 14px; bottom: 30px; color: var(--muted); font-weight: 700; pointer-events: none; }
.sigclear { position: absolute; right: 10px; top: 10px; background: var(--white); border: 1.5px solid var(--line); border-radius: 10px; padding: 6px 12px; font: 700 .82rem var(--body); cursor: pointer; color: var(--ink); }
.sigwrap.invalid { border-color: #D93B3B; }
.secure { display: flex; gap: 10px; align-items: flex-start; margin-top: 18px; font-size: .85rem; color: var(--muted); }
.secure svg { width: 18px; height: 18px; color: #1E9E6A; flex: none; margin-top: 1px; }
.err-msg { margin: 6px 0 0; padding: 12px 16px; border-radius: 12px; background: #FDECEC; color: #B42318; font-weight: 700; font-size: .92rem; }
.wiz-nav { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-top: 22px; }
.wiz-nav #wSubmit { min-width: 280px; }
.ap-form.sending #wSubmit { opacity: .7; cursor: progress; }

.done { text-align: center; padding: 30px 0 10px; }
.done-ico { display: inline-grid; place-items: center; width: 72px; height: 72px; border-radius: 50%; background: #E3F6EC; color: #138A55; margin-bottom: 18px; }
.done-ico svg { width: 40px; height: 40px; }
.done h2 { font-size: 2.2rem; margin-bottom: 12px; }
.done p { color: var(--muted); max-width: 32em; margin: 0 auto; }
.done-cta { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; margin-top: 26px; }

.apply-page footer.ap-foot { background: transparent; padding: 0 0 40px; font-size: .88rem; color: var(--muted); overflow: visible; }
.ap-foot .wrap { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; }
.ap-foot a { color: var(--muted); }

@media (max-width: 1000px) {
  .ap-grid { grid-template-columns: 1fr; gap: 24px; }
  .ap-side { position: static; }
  .ap-steps { display: none; }
}
@media (max-width: 860px) {
  .apply-page .nav-right .btn.ap-home { display: none; }
  .apply-page .nav-phone.ap-phone { display: inline-flex; }
  .apply-page { padding-bottom: 0; }
}
@media (max-width: 640px) {
  .ap { padding-top: 100px; }
  .ap-form { padding: 28px 18px; border-radius: 22px; }
  .row2, .row3 { grid-template-columns: 1fr; }
  .wiz-nav #wSubmit { min-width: 0; width: 100%; }
  .ap-side-in { padding: 28px 22px; }
  .drop { padding: 16px; }
}