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rgba(255,255,255,.08)}.stats-bar__item:last-child{border-right:none}.stats-bar__item strong{font-size:1.8rem;font-weight:800;color:var(--white);letter-spacing:-.03em}.stats-bar__item span{font-size:.82rem;color:#fff6;font-weight:600;text-transform:uppercase;letter-spacing:.1em}.steps-row{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--gray-200);position:relative}.step-card{padding:36px 32px;border-right:1px solid var(--gray-200);position:relative;background:var(--white)}.step-card:last-child{border-right:none}.step-card__num{font-size:.72rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--blue);margin-bottom:20px;display:flex;align-items:center;gap:10px}.step-card__num:after{content:"";flex:1;height:1px;background:var(--blue);opacity:.3}.step-card__body h3{color:var(--gray-900);margin-bottom:10px;font-size:1rem}.step-card__body p{font-size:.9rem;line-height:1.7}.step-card__arrow{position:absolute;top:50%;right:-16px;transform:translateY(-50%);width:32px;height:32px;background:var(--white);border:1px solid var(--gray-200);display:flex;align-items:center;justify-content:center;font-size:.9rem;color:var(--blue);font-weight:700;z-index:1}.home-testi-section{background:var(--gray-50);border-top:1px solid var(--gray-200);border-bottom:1px solid var(--gray-200)}.testi-empty{padding:64px 28px;text-align:center;border:1px dashed var(--gray-300);border-radius:var(--radius);background:var(--gray-50)}.testi-empty p{font-size:.95rem;color:var(--gray-500)}.testi-card{border:1px solid var(--gray-200);padding:28px 24px;border-radius:var(--radius-lg);display:flex;flex-direction:column;gap:14px;background:var(--white)}.testi-card__stars{font-size:.95rem;color:var(--amber);letter-spacing:2px;line-height:1}.testi-card__meta{display:flex;align-items:center;justify-content:space-between}.testi-card__product{font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--blue)}.testi-card__amount{font-size:.8rem;font-weight:700;color:var(--gray-700)}.testi-card__quote{font-size:.9rem;line-height:1.75;color:var(--gray-600);flex:1}.testi-card__author strong{display:block;font-size:.875rem;color:var(--gray-900)}.testi-card__author span{font-size:.78rem;color:var(--gray-400)}@media (max-width: 1280px){.feat-grid{grid-template-columns:repeat(3,1fr)}.hero__grid{grid-template-columns:1fr 400px;gap:40px}}@media (max-width: 1024px){.hero__grid{grid-template-columns:1fr}.hero__right{display:none}.hero{min-height:auto;padding:130px 0 72px}.feat-grid{grid-template-columns:repeat(2,1fr)}.home-split{grid-template-columns:1fr}.home-split__img{height:320px}.home-split__content{padding:48px 32px}}@media (max-width: 900px){.feat-grid,.more-grid{grid-template-columns:1fr}.stats-bar__inner{grid-template-columns:repeat(2,1fr)}.stats-bar__item:nth-child(2n){border-right:none}.stats-bar__item:nth-child(-n+2){border-bottom:1px solid rgba(255,255,255,.08)}.steps-row{grid-template-columns:1fr}.step-card{border-right:none;border-bottom:1px solid var(--gray-200)}.step-card:last-child{border-bottom:none}.step-card__arrow{display:none}}@media (max-width: 560px){.stats-bar__inner{grid-template-columns:repeat(2,1fr)}.hero__stat{padding:0 24px 0 0}.hero__stat strong{font-size:1.3rem}.more-grid{grid-template-columns:1fr}.home-split__content{padding:36px 24px}.feat-card{padding:22px 20px}.stats-bar__item{padding:20px 16px}.stats-bar__item strong{font-size:1.5rem}.stats-bar__item span{letter-spacing:.06em}.step-card{padding:28px 24px}.section-header{flex-direction:column;align-items:flex-start;gap:12px}.hero{padding:100px 0 60px}.hero__ctas{gap:10px}.hero__sub{font-size:1rem;margin-bottom:28px}.hero__stats{padding-top:24px;gap:0 20px}.testi-card{padding:22px 18px}.home-split__img{height:260px}.feat-card:hover{transform:none;box-shadow:none;border-color:var(--gray-200)}.feat-card:hover .feat-card__arrow{transform:none}.more-card:hover{background:var(--white);border-color:var(--gray-200)}.more-card:hover .more-card__arrow{transform:none}.more-card:hover .more-card__icon{background:var(--gray-100)}}:root{--apply-nav-bg: #eaeff8;--apply-nav-border: #d4ddf0;--apply-nav-muted: #8a9ab8;--apply-nav-done: #4a5a7a;--apply-nav-circle: #b8c8e0;--apply-nav-done-bg: #dbeafe;--apply-nav-bar: #c8d4e8;--apply-tp-green: #00b67a}.apply-shell{display:flex;min-height:100vh;padding-top:68px}.apply-nav{width:360px;flex-shrink:0;background:var(--apply-nav-bg);border-right:1px solid var(--apply-nav-border);position:sticky;top:68px;height:calc(100vh - 68px);overflow-y:auto;display:flex;flex-direction:column;padding:36px 24px 28px;gap:28px}.apply-nav__steps{display:flex;flex-direction:column;gap:24px}.apply-nav__group{display:flex;flex-direction:column;gap:8px}.apply-nav__group-label{font-size:.67rem;font-weight:700;text-transform:uppercase;letter-spacing:1.5px;color:var(--apply-nav-muted);margin-bottom:2px}.apply-nav__step{display:flex;align-items:center;gap:10px;font-size:.82rem;font-weight:500;color:var(--apply-nav-muted)}.apply-nav__step.is-active{color:var(--gray-900);font-weight:600}.apply-nav__step.is-done{color:var(--apply-nav-done)}.apply-nav__circle{width:22px;height:22px;border-radius:50%;flex-shrink:0;display:flex;align-items:center;justify-content:center;font-size:.71rem;font-weight:700;border:1.5px solid var(--apply-nav-circle);color:var(--apply-nav-muted)}.apply-nav__step.is-active .apply-nav__circle{background:var(--blue);border-color:var(--blue);color:#fff}.apply-nav__step.is-done .apply-nav__circle{background:var(--apply-nav-done-bg);border-color:var(--blue);color:var(--blue)}.apply-nav__progress{display:flex;flex-direction:column;gap:7px}.apply-nav__bar{height:4px;background:var(--apply-nav-bar);border-radius:2px;overflow:hidden}.apply-nav__fill{height:100%;background:var(--blue);border-radius:2px;transition:width .4s ease}.apply-nav__pct-row{display:flex;align-items:baseline;gap:8px}.apply-nav__pct-row strong{font-size:.88rem;font-weight:700;color:var(--gray-900)}.apply-nav__pct-row span{font-size:.74rem;color:var(--apply-nav-muted)}.apply-nav__trust{display:flex;flex-direction:column;gap:16px;margin-top:auto}.apply-nav__bbb{display:flex;align-items:center;gap:12px}.apply-nav__bbb-text{display:flex;flex-direction:column;gap:1px}.apply-nav__bbb-rating{font-size:1.3rem;font-weight:800;color:var(--gray-900);line-height:1}.apply-nav__bbb-rating sup{font-size:.6rem}.apply-nav__bbb-label{font-size:.68rem;color:var(--apply-nav-muted);text-transform:uppercase;letter-spacing:.5px}.apply-nav__tp{display:flex;flex-direction:column;gap:2px}.apply-nav__tp-excellent{font-size:.83rem;font-weight:700;color:var(--gray-900)}.apply-nav__tp-stars{font-size:.92rem;color:var(--apply-tp-green);letter-spacing:1px}.apply-nav__tp-sub{font-size:.71rem;color:var(--apply-nav-muted)}.apply-nav__ssl{display:flex;align-items:flex-start;gap:8px;color:var(--apply-nav-muted)}.apply-nav__ssl p{font-size:.73rem;line-height:1.55;margin:0}.apply-nav__terms{font-size:.71rem;color:var(--apply-nav-muted);text-decoration:underline;text-underline-offset:2px}.apply-nav__terms:hover{color:var(--blue)}.apply-main{flex:1;min-width:0;display:flex;justify-content:center;padding:64px 48px 80px;background:#fff}.apply-main__inner{width:100%;max-width:620px}.apply-step{display:flex;flex-direction:column}.apply-step__title{font-size:1.7rem;font-weight:800;color:var(--gray-900);letter-spacing:-.03em;margin-bottom:10px}.apply-step__sub{font-size:.9rem;color:var(--gray-500);line-height:1.7;margin-bottom:36px}.apply-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.apply-field{display:flex;flex-direction:column;gap:5px}.apply-field--full{grid-column:1 / -1}.apply-field__label{font-size:.8rem;font-weight:600;color:var(--gray-700)}.apply-field__opt{font-weight:400;color:var(--gray-400)}.apply-field__hint{font-size:.74rem;color:var(--gray-400)}.apply-field__error{font-size:.74rem;color:var(--error);margin-top:2px}.apply-field__input--error{border-color:var(--error)!important}.apply-field__input--error:focus{box-shadow:0 0 0 3px #dc26261a!important}.apply-section-divider{grid-column:1 / -1;font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:1.5px;color:var(--gray-400);border-top:1px solid var(--gray-200);padding-top:18px;margin-top:6px}.apply-field__input{padding:10px 13px;border:1.5px solid var(--gray-300);border-radius:var(--radius);font-size:.9rem;font-family:var(--font);color:var(--gray-900);background:#fff;outline:none;width:100%;transition:border-color .15s,box-shadow .15s;-moz-appearance:none;appearance:none;-webkit-appearance:none}.apply-field__input:focus{border-color:var(--blue);box-shadow:0 0 0 3px #1d4ed817}.apply-field__input::placeholder{color:var(--gray-400)}.apply-field__input--readonly{background:var(--gray-50, #f9fafb);color:var(--gray-500);cursor:default}.apply-field__input--readonly:focus{border-color:var(--gray-300);box-shadow:none}.apply-field__select-wrap{display:flex;align-items:center;gap:10px;padding:10px 13px;border:1.5px solid var(--gray-300);border-radius:var(--radius);background:#fff}.apply-field__select-wrap--disabled{background:var(--gray-50)}.apply-field__flag{font-size:.68rem;font-weight:700;background:var(--blue);color:#fff;padding:2px 5px;border-radius:2px;letter-spacing:.5px}.apply-field__select-text{flex:1;font-size:.9rem;color:var(--gray-600)}.apply-field__chevron{color:var(--gray-400)}.apply-field__search-wrap{position:relative;display:flex;align-items:center}.apply-field__input--search{padding-right:38px}.apply-field__search-icon{position:absolute;right:13px;color:var(--gray-400);pointer-events:none}.apply-field__spinner{position:absolute;right:13px;width:15px;height:15px;border-radius:50%;border:2px solid var(--gray-200);border-top-color:var(--blue);animation:spin .7s linear infinite}.apply-field__dropdown{position:absolute;top:calc(100% + 4px);left:0;right:0;z-index:200;background:#fff;border:1.5px solid var(--blue);border-radius:var(--radius);box-shadow:0 8px 24px #0000001f;max-height:300px;overflow-y:auto}.apply-dd__item{display:flex;flex-direction:column;gap:2px;width:100%;text-align:left;padding:11px 14px;border:none;background:none;cursor:pointer;border-bottom:1px solid var(--gray-100)}.apply-dd__item:last-child{border-bottom:none}.apply-dd__item:hover{background:var(--blue-pale)}.apply-dd__name{font-size:.87rem;font-weight:600;color:var(--gray-900)}.apply-dd__meta{font-size:.75rem;color:var(--gray-500)}.apply-dd__msg{padding:12px 14px;font-size:.81rem;color:var(--gray-500)}.apply-dd__msg--empty{font-style:italic}.apply-biz-card{display:flex;align-items:flex-start;gap:14px;padding:14px 16px;border:1.5px solid var(--blue);border-radius:var(--radius);background:var(--blue-pale)}.apply-biz-card__icon{width:36px;height:36px;flex-shrink:0;background:#fff;border:1px solid #c7d7f8;display:flex;align-items:center;justify-content:center;color:var(--blue)}.apply-biz-card__body{display:flex;flex-direction:column;gap:3px}.apply-biz-card__body strong{font-size:.9rem;font-weight:700;color:var(--gray-900)}.apply-biz-card__body span{font-size:.77rem;color:var(--gray-500)}.apply-biz-card__status{display:inline-block;padding:2px 7px;font-size:.68rem;font-weight:700;letter-spacing:.5px;text-transform:uppercase;border-radius:2px;margin-top:2px}.apply-biz-card__status.is-active{background:#dcfce7;color:#15803d}.apply-biz-card__status.is-inactive{background:#fee2e2;color:#b91c1c}.apply-prefill-notice{display:inline-flex;align-items:center;gap:6px;font-size:.78rem;font-weight:600;color:#15803d;background:#dcfce7;border:1px solid #bbf7d0;padding:7px 12px;border-radius:var(--radius);margin-bottom:20px}.apply-field__affix-wrap{position:relative;display:flex;align-items:center}.apply-field__prefix{position:absolute;left:12px;font-size:.9rem;font-weight:500;color:var(--gray-500);pointer-events:none}.apply-field__input--prefix{padding-left:24px}.apply-radio-group{display:flex;gap:10px;flex-wrap:wrap}.apply-radio{display:flex;align-items:center;gap:7px;cursor:pointer;padding:9px 18px;border:1.5px solid var(--gray-300);border-radius:var(--radius);font-size:.87rem;font-weight:500;color:var(--gray-700);transition:border-color .15s,background .15s}.apply-radio input{display:none}.apply-radio.is-checked{border-color:var(--blue);background:var(--blue-pale);color:var(--blue);font-weight:600}.apply-radio--sm{padding:6px 14px;font-size:.8rem}.apply-loans{display:flex;flex-direction:column;gap:10px}.apply-loan-row{display:grid;grid-template-columns:1fr 1fr auto;gap:10px;align-items:flex-end;padding:14px;border:1px solid var(--gray-200);border-radius:var(--radius);background:var(--gray-50)}.apply-loan-remove{width:34px;height:34px;display:flex;align-items:center;justify-content:center;border:1px solid #fecaca;background:#fef2f2;color:var(--error);border-radius:var(--radius);cursor:pointer;transition:background .15s}.apply-loan-remove:hover{background:#fee2e2}.apply-loan-add{display:inline-flex;align-items:center;gap:6px;font-size:.82rem;font-weight:600;color:var(--blue);background:none;border:1.5px dashed #93c5fd;border-radius:var(--radius);padding:9px 16px;cursor:pointer;transition:background .15s;align-self:flex-start}.apply-loan-add:hover{background:var(--blue-pale)}.apply-slider-wrap{display:flex;flex-direction:column;gap:10px;padding:4px 0}.apply-slider-value{font-size:1.35rem;font-weight:700;color:var(--navy);line-height:1}.apply-slider{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:100%;height:6px;border-radius:3px;outline:none;cursor:pointer;border:none;background:linear-gradient(to right,var(--blue) var(--fill, 0%),#e2e8f0 var(--fill, 0%))}.apply-slider::-webkit-slider-thumb{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;background:var(--blue);border:3px solid white;box-shadow:0 1px 6px #0003;cursor:pointer}.apply-slider::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--blue);border:3px solid white;box-shadow:0 1px 6px #0003;cursor:pointer}.apply-slider-ticks{position:relative;height:16px}.apply-slider-ticks span{position:absolute;transform:translate(-50%);font-size:.72rem;color:var(--gray-400);white-space:nowrap}.apply-rev-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.apply-rev-tile{padding:14px 10px;border:1.5px solid var(--gray-200);border-radius:var(--radius);background:#fff;font-size:.88rem;font-weight:600;color:var(--navy);cursor:pointer;text-align:center;transition:border-color .15s,background .15s,color .15s}.apply-rev-tile:hover{border-color:var(--blue);color:var(--blue)}.apply-rev-tile.is-selected{border-color:var(--blue);background:var(--blue);color:#fff}.apply-rev-grid--error .apply-rev-tile{border-color:var(--error)}@media (max-width: 640px){.apply-rev-grid{grid-template-columns:repeat(2,1fr)}}.apply-id-wrap,.sig-wrap{display:flex;flex-direction:column;gap:6px}.sig-pad{position:relative;border:1.5px solid var(--gray-300);border-radius:var(--radius);height:130px;overflow:hidden;background:#fafafa}.sig-pad__canvas{display:block;width:100%;height:100%}.sig-pad__hint{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);font-size:.82rem;color:var(--gray-400);pointer-events:none;-webkit-user-select:none;user-select:none;white-space:nowrap}.sig-pad__baseline{position:absolute;bottom:28px;left:20px;right:20px;height:1px;background:var(--gray-200);pointer-events:none}.sig-clear{align-self:flex-end;font-size:.77rem;color:var(--gray-400);background:none;border:none;cursor:pointer;text-decoration:underline;text-underline-offset:2px;padding:0}.sig-clear:hover{color:var(--gray-700)}.apply-sig-required{font-size:.77rem;color:var(--error);margin-top:2px}.apply-docs-stack{display:flex;flex-direction:column;gap:28px}.apply-upload{display:flex;flex-direction:column;gap:10px}.apply-upload__zone{border:2px dashed var(--gray-300);border-radius:var(--radius);padding:36px 24px;text-align:center;cursor:pointer;transition:border-color .15s,background .15s;-webkit-user-select:none;user-select:none}.apply-upload__zone:hover,.apply-upload__zone.is-over{border-color:var(--blue);background:var(--blue-pale)}.apply-upload__icon{font-size:1.4rem;color:var(--gray-400);margin-bottom:8px}.apply-upload__text{font-size:.86rem;color:var(--gray-500);margin:0}.apply-upload__browse{color:var(--blue);font-weight:600;text-decoration:underline;text-underline-offset:2px}.apply-upload__hint{font-size:.73rem;color:var(--gray-400);margin:6px 0 0}.apply-upload__files{display:flex;flex-direction:column;gap:6px}.apply-upload__file{display:flex;align-items:center;gap:10px;padding:9px 13px;background:var(--gray-50);border:1px solid var(--gray-200);border-radius:var(--radius)}.apply-upload__file-name{flex:1;font-size:.84rem;font-weight:500;color:var(--gray-800);min-width:0;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.apply-upload__file-size{font-size:.75rem;color:var(--gray-400);flex-shrink:0}.apply-upload__file-remove{flex-shrink:0;background:none;border:none;cursor:pointer;font-size:.8rem;color:var(--gray-400);padding:2px 4px;line-height:1;border-radius:2px;transition:color .12s}.apply-upload__file-remove:hover{color:var(--error)}.apply-send-banner{display:flex;align-items:center;gap:8px;font-size:.84rem;font-weight:600;padding:11px 16px;border-radius:var(--radius);margin-bottom:24px;line-height:1.5}.apply-send-banner--ok{background:#dcfce7;border:1px solid #bbf7d0;color:#15803d}.apply-send-banner--warn{background:#fffbeb;border:1px solid #fcd34d;color:#92400e}.apply-send-banner--warn a{color:#92400e;text-decoration:underline}.apply-send-banner--pending{background:var(--blue-pale);border:1px solid #bfdbfe;color:var(--blue)}.apply-send-banner__spinner{display:inline-block;width:13px;height:13px;border-radius:50%;border:2px solid #bfdbfe;border-top-color:var(--blue);animation:spin .7s linear infinite;flex-shrink:0}.apply-step__cta{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 32px;background:var(--blue);color:#fff;font-size:.9rem;font-weight:700;border:none;border-radius:var(--radius);line-height:1;white-space:nowrap;cursor:pointer;transition:background .15s;align-self:flex-start}.apply-step__cta:hover{background:var(--blue-hover)}.apply-step__cta:disabled{opacity:.5;cursor:not-allowed}.apply-step__nav{display:flex;align-items:center;gap:16px;margin-top:24px}.apply-step__back{font-size:.86rem;font-weight:600;color:var(--gray-500);background:none;border:none;cursor:pointer;padding:0}.apply-step__back:hover{color:var(--gray-900)}.apply-disclaimer{font-size:.72rem;line-height:1.65;color:var(--gray-400);margin-top:16px}.apply-disclaimer__link{color:var(--gray-400);text-decoration:underline}.apply-disclaimer__link:hover{color:var(--blue)}.apply-spinner-lg{width:48px;height:48px;border-radius:50%;border:3px solid var(--gray-200);border-top-color:var(--blue);animation:spin .8s linear infinite}.apply-step--success{align-items:center;text-align:center;padding:60px 0}.apply-success-icon{width:72px;height:72px;border-radius:50%;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;margin-bottom:28px}@media (max-width: 640px){.apply-field__input,.apply-field__select-wrap{min-height:44px;padding:12px 13px}.apply-radio{padding:11px 18px;min-height:44px}.sig-pad{height:100px}.apply-upload__zone{padding:24px}.apply-slider-ticks{display:none}}@media (max-width: 960px){.apply-shell{flex-direction:column}.apply-nav{width:100%;height:auto;position:static;flex-direction:column;border-right:none;border-bottom:1px solid var(--apply-nav-border);padding:56px 20px 46px;gap:12px}.apply-nav__steps{display:grid;grid-template-columns:1fr 1fr;gap:4px 16px}.apply-nav__group{display:contents}.apply-nav__group-label,.apply-nav__trust,.apply-nav__terms{display:none}.apply-nav__progress{padding:32px 0 10px;border-top:1px solid var(--apply-nav-border);margin-top:16px}.apply-main{padding:36px 20px 60px}}@media (max-width: 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var(--gray-200)}.pp-faq-item h3{font-size:1rem;font-weight:700;color:var(--gray-900);margin-bottom:10px}.pp-faq-item p{font-size:.9rem;line-height:1.75}@media (max-width: 1024px){.pp-features{grid-template-columns:repeat(2,1fr)}.pp-feature:nth-child(3n){border-right:1px solid var(--gray-200)}.pp-feature:nth-child(2n){border-right:none}.pp-feature:nth-last-child(-n+3){border-bottom:1px solid var(--gray-200)}.pp-feature:nth-last-child(-n+2){border-bottom:none}}@media (max-width: 900px){.pp-hero__inner{grid-template-columns:1fr}.pp-hero__card{display:none}}@media (max-width: 640px){.pp-features{grid-template-columns:1fr}.pp-feature{border-right:none;border-bottom:1px solid var(--gray-200)}.pp-feature:nth-last-child(-n+2){border-bottom:1px solid var(--gray-200)}.pp-feature:last-child{border-bottom:none}.pp-hero{padding:100px 0 52px}.pp-img-band__img{height:320px}}:root{--navy: #0a1628;--navy-mid: #0d2442;--navy-light: #122e55;--blue: #1d4ed8;--blue-hover: #1e40af;--blue-bright: 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12px}.legal-page h3{font-size:1.05rem;font-weight:600;color:var(--gray-700);margin:24px 0 8px}.legal-page p{font-size:.95rem;line-height:1.8;color:var(--gray-500);margin-bottom:14px}.legal-page ul{padding-left:24px;margin-bottom:14px}.legal-page ul li{font-size:.95rem;line-height:1.8;color:var(--gray-500);margin-bottom:6px}