@import "https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap";
:root{--primary:#0b2545;--primary-light:#134074;--primary-hover:#091d38;--accent:#13a89e;--accent-hover:#0f8e85;--accent-glow:#13a89e40;--bg-body:#f0f4f8;--bg-surface:#fff;--bg-surface-alt:#f7f9fc;--bg-glass:#ffffffbf;--text-primary:#1b2a4a;--text-secondary:#4a5568;--text-muted:#718096;--text-inverse:#fff;--border-light:#e2e8f0;--border-medium:#cbd5e0;--shadow-sm:0 1px 3px #0b25450f;--shadow-md:0 4px 14px #0b254514;--shadow-lg:0 10px 40px #0b25451f;--shadow-xl:0 20px 60px #0b254526;--shadow-accent:0 8px 30px #13a89e4d;--success:#38a169;--success-bg:#f0fff4;--error:#e53e3e;--error-bg:#fff5f5;--warning:#d69e2e;--header-height:76px;--radius-sm:6px;--radius-md:12px;--radius-lg:20px;--radius-xl:28px;--radius-full:9999px;--transition-fast:.15s cubic-bezier(.4, 0, .2, 1);--transition-base:.25s cubic-bezier(.4, 0, .2, 1);--transition-slow:.4s cubic-bezier(.4, 0, .2, 1)}*,:before,:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}body{background-color:var(--bg-body);color:var(--text-primary);font-family:Inter,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,sans-serif;font-size:16px;line-height:1.7;overflow-x:hidden}main{min-height:calc(100vh - var(--header-height) - 100px)}h1,h2,h3,h4,h5,h6{color:var(--primary);letter-spacing:-.02em;font-weight:700;line-height:1.25}h1{margin-bottom:1.5rem;font-size:clamp(2.2rem,5vw,3.25rem);font-weight:800}h2{margin-bottom:1rem;font-size:clamp(1.6rem,3.5vw,2.25rem)}h3{margin-bottom:.75rem;font-size:1.35rem}p{color:var(--text-secondary);line-height:1.75}.container{max-width:1200px;margin:0 auto;padding:0 24px}.container-narrow{max-width:800px;margin:0 auto;padding:0 24px}a{color:inherit;transition:color var(--transition-fast), opacity var(--transition-fast);text-decoration:none}a:hover{opacity:1}button{cursor:pointer;transition:all var(--transition-base);border:none;font-family:inherit}.btn{border-radius:var(--radius-sm);text-align:center;letter-spacing:.01em;transition:all var(--transition-base);justify-content:center;align-items:center;gap:8px;padding:14px 32px;font-size:1rem;font-weight:600;display:inline-flex;position:relative;overflow:hidden}.btn-primary{background:var(--accent);box-shadow:var(--shadow-accent);color:var(--text-inverse)!important}.btn-primary:hover{background:var(--accent-hover);transform:translateY(-2px);box-shadow:0 12px 35px #13a89e66}.btn-primary:active{transform:translateY(0)}.btn-secondary{background:var(--bg-surface);border:2px solid var(--border-medium);color:var(--primary)!important}.btn-secondary:hover{border-color:var(--primary);background:var(--bg-surface-alt);transform:translateY(-2px)}.btn-large{border-radius:var(--radius-md);padding:18px 40px;font-size:1.1rem}.btn-full{width:100%}@media (max-width:600px){.btn{padding:12px 24px;font-size:.95rem}.btn-large{padding:14px 28px;font-size:1rem}}@media (max-width:400px){.btn{padding:10px 20px;font-size:.9rem}.btn-large{padding:12px 24px;font-size:.95rem}}input,select,textarea{font-family:inherit;font-size:1rem}.grid{gap:2rem;display:grid}@media (min-width:768px){.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}}@keyframes fadeInUp{0%{opacity:0;transform:translateY(30px)}to{opacity:1;transform:translateY(0)}}@keyframes fadeIn{0%{opacity:0}to{opacity:1}}@keyframes slideInRight{0%{opacity:0;transform:translate(30px)}to{opacity:1;transform:translate(0)}}@keyframes pulse{0%,to{opacity:1}50%{opacity:.6}}@keyframes shimmer{0%{background-position:-200% 0}to{background-position:200% 0}}@keyframes spin{0%{transform:rotate(0)}to{transform:rotate(360deg)}}.animate-fade-in-up{animation:.7s ease-out forwards fadeInUp}.animate-fade-in{animation:.5s ease-out forwards fadeIn}@media (max-width:767px){h1{font-size:2rem}h2{font-size:1.5rem}}.sr-only{clip:rect(0, 0, 0, 0);white-space:nowrap;border-width:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}::-webkit-scrollbar{width:8px}::-webkit-scrollbar-track{background:var(--bg-body)}::-webkit-scrollbar-thumb{background:var(--border-medium);border-radius:4px}::-webkit-scrollbar-thumb:hover{background:var(--text-muted)}.hero{background:linear-gradient(135deg,#0b2545 0%,#134074 50%,#1b3a5c 100%);padding:80px 0 60px;position:relative;overflow:hidden}.hero-bg-shapes{pointer-events:none;position:absolute;inset:0;overflow:hidden}.shape{background:#13a89e14;border-radius:50%;position:absolute}.shape-1{width:600px;height:600px;top:-200px;right:-100px}.shape-2{background:#ffffff08;width:400px;height:400px;bottom:-150px;left:-100px}.shape-3{background:#13a89e0d;width:200px;height:200px;top:50%;left:40%}.hero-inner{z-index:1;grid-template-columns:1fr 1fr;align-items:center;gap:60px;animation:.8s ease-out fadeSlideDown;display:grid;position:relative;overflow:hidden}@keyframes fadeSlideDown{0%{opacity:0;transform:translateY(-20px)}to{opacity:1;transform:translateY(0)}}.hero-content{color:#fff}.hero-badge{border-radius:var(--radius-full);color:#5be8de;-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);background:#13a89e26;border:1px solid #13a89e4d;align-items:center;gap:8px;margin-bottom:28px;padding:8px 18px;font-size:.82rem;font-weight:600;display:inline-flex}.hero h1{color:#fff;letter-spacing:-.03em;margin-bottom:20px;font-size:clamp(2.4rem,5vw,3.4rem);line-height:1.12}.hero-desc{max-width:520px;margin-bottom:36px;font-size:1.1rem;line-height:1.75;color:#ffffffb3!important}.hero-actions{flex-wrap:wrap;gap:16px;margin-bottom:28px;display:flex}.hero-actions .btn-secondary{background:#ffffff0f;border-color:#ffffff40;color:#fff!important}.hero-actions .btn-secondary:hover{background:#ffffff1f;border-color:#ffffff80}.hero-trust{color:#ffffff73;align-items:center;gap:8px;font-size:.82rem;display:flex}.hero-visual{position:relative}.hero-image-wrapper{position:relative;overflow:hidden}.hero-img{border-radius:var(--radius-lg);object-fit:cover;width:100%;height:auto;box-shadow:0 25px 60px #0000004d}.hero-float-card{-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-radius:var(--radius-md);background:#fffffff2;align-items:center;gap:12px;padding:14px 20px;animation:3s ease-in-out infinite floatCard;display:flex;position:absolute;box-shadow:0 8px 32px #00000026}.card-amount{color:var(--accent);bottom:30px;left:0}.card-approved{color:var(--success);animation-delay:1.5s;top:30px;right:0}.float-label{color:var(--text-muted);text-transform:uppercase;letter-spacing:.05em;font-size:.7rem;font-weight:500;display:block}.float-value{color:var(--text-primary);font-size:1.05rem;font-weight:700;display:block}@keyframes floatCard{0%,to{transform:translateY(0)}50%{transform:translateY(-8px)}}.stats-bar{z-index:2;margin-top:-40px;position:relative}.stats-inner{border-radius:var(--radius-lg);box-shadow:var(--shadow-xl);background:#fff;justify-content:space-around;align-items:center;padding:36px 48px;display:flex}.stat-item{text-align:center}.stat-number{color:var(--primary);letter-spacing:-.03em;font-size:1.8rem;font-weight:800;display:block}.stat-label{color:var(--text-muted);margin-top:4px;font-size:.82rem;font-weight:500;display:block}.stat-divider{background:var(--border-light);width:1px;height:48px}.about-section{padding:100px 0}.section-header{text-align:center;max-width:680px;margin:0 auto 56px}.section-tag{color:var(--accent);border-radius:var(--radius-full);letter-spacing:.03em;text-transform:uppercase;background:#13a89e14;margin-bottom:16px;padding:6px 16px;font-size:.82rem;font-weight:700;display:inline-block}.section-desc{color:var(--text-muted);max-width:580px;margin:0 auto;font-size:1.05rem}.about-grid{grid-template-columns:repeat(3,1fr);gap:28px;display:grid}.about-card{border-radius:var(--radius-lg);border:1px solid var(--border-light);transition:all var(--transition-base);background:#fff;padding:40px 32px;position:relative;overflow:hidden}.about-card:before{content:"";background:linear-gradient(90deg, var(--accent), var(--primary-light));opacity:0;height:3px;transition:opacity var(--transition-base);position:absolute;top:0;left:0;right:0}.about-card:hover{box-shadow:var(--shadow-lg);border-color:#0000;transform:translateY(-6px)}.about-card:hover:before{opacity:1}.about-icon{width:56px;height:56px;color:var(--accent);border-radius:var(--radius-md);background:#13a89e14;justify-content:center;align-items:center;margin-bottom:24px;display:flex}.about-card h3{color:var(--primary);margin-bottom:12px;font-size:1.2rem}.about-card p{color:var(--text-muted);font-size:.92rem;line-height:1.7}.benefits-section{background:#fff;padding:100px 0}.benefits-inner{grid-template-columns:1fr 1fr;align-items:center;gap:80px;display:grid}.benefits-desc{color:var(--text-secondary);margin-bottom:32px;font-size:1.05rem;line-height:1.75}.benefits-list{flex-direction:column;gap:16px;margin-bottom:36px;padding:0;list-style:none;display:flex}.benefits-list li{color:var(--accent);flex-shrink:0;align-items:flex-start;gap:12px;margin-top:2px;font-size:.95rem;display:flex}.benefit-amount-card{background:linear-gradient(145deg, var(--primary) 0%, var(--primary-light) 100%);border-radius:var(--radius-xl);color:#fff;padding:40px;position:relative;overflow:hidden}.benefit-amount-card:after{content:"";background:#13a89e26;border-radius:50%;width:200px;height:200px;position:absolute;top:-50px;right:-50px}.amount-header{opacity:.85;align-items:center;gap:10px;margin-bottom:24px;font-size:.9rem;font-weight:600;display:flex}.amount-value{align-items:flex-start;margin-bottom:8px;display:flex}.currency{opacity:.7;margin-top:8px;font-size:1.5rem;font-weight:700}.amount{letter-spacing:-.03em;font-size:3.5rem;font-weight:800;line-height:1}.amount-sub{opacity:.5;margin-bottom:24px;font-size:.82rem}.amount-bar{background:#ffffff26;border-radius:3px;height:6px;margin-bottom:28px;overflow:hidden}.amount-bar-fill{background:var(--accent);border-radius:3px;width:85%;height:100%;animation:2s ease-out barFill}@keyframes barFill{0%{width:0}to{width:85%}}.amount-details{flex-direction:column;gap:12px;display:flex}.detail-row{opacity:.7;justify-content:space-between;font-size:.85rem;display:flex}.detail-row .status-active{color:#5be8de;opacity:1;font-weight:600}.process-section{background:var(--bg-surface-alt);padding:100px 0}.process-steps{justify-content:center;align-items:flex-start;gap:0;margin-top:16px;display:flex}.step{text-align:center;flex:1;max-width:300px;padding:32px 24px;position:relative}.step-number{color:var(--accent);letter-spacing:.1em;margin-bottom:16px;font-size:.75rem;font-weight:800}.step-icon{width:64px;height:64px;color:var(--primary);border-radius:var(--radius-lg);box-shadow:var(--shadow-md);transition:all var(--transition-base);background:#fff;justify-content:center;align-items:center;margin:0 auto 20px;display:flex}.step:hover .step-icon{background:var(--primary);color:#fff;box-shadow:var(--shadow-lg);transform:scale(1.08)}.step h3{margin-bottom:10px;font-size:1.1rem}.step p{color:var(--text-muted);font-size:.88rem;line-height:1.65}.step-connector{color:var(--border-medium);flex-shrink:0;justify-content:center;align-items:center;margin-top:72px;display:flex}.cta-section{padding:80px 0 100px}.cta-card{background:linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);border-radius:var(--radius-xl);padding:72px 64px;position:relative;overflow:hidden}.cta-content{z-index:1;max-width:560px;position:relative}.cta-card h2{color:#fff;margin-bottom:16px;font-size:clamp(1.8rem,3vw,2.4rem)}.cta-card p{margin-bottom:32px;font-size:1.05rem;color:#ffffffa6!important}.cta-decoration{width:40%;position:absolute;top:0;bottom:0;right:0}.cta-circle{border:1px solid #ffffff14;border-radius:50%;position:absolute}.cta-circle-1{background:#13a89e14;width:400px;height:400px;top:-100px;right:-100px}.cta-circle-2{background:#ffffff0a;width:250px;height:250px;bottom:-60px;right:60px}.reveal{opacity:0;transition:all .7s cubic-bezier(.4,0,.2,1);transform:translateY(30px)}.reveal.in-view{opacity:1;transform:translateY(0)}@media (max-width:991px){.hero{padding:60px 0 50px}.hero-inner{text-align:center;grid-template-columns:1fr;gap:40px}.hero-content{order:1}.hero-visual{order:2}.hero-badge{margin-bottom:20px}.hero h1{font-size:clamp(1.8rem,5vw,2.6rem)}.hero-desc{max-width:480px;margin:0 auto 28px;font-size:1rem}.hero-actions{flex-wrap:wrap;justify-content:center}.hero-trust{justify-content:center}.hero-image-wrapper{max-width:480px;margin:0 auto}.hero-float-card.card-approved{padding:10px 14px;top:15px;right:10px}.hero-float-card .float-value{font-size:.9rem}.about-grid{grid-template-columns:1fr;max-width:500px;margin:0 auto}.benefits-inner{grid-template-columns:1fr;gap:48px}.process-steps{flex-direction:column;align-items:center}.step-connector{margin-top:0;padding:8px 0;transform:rotate(90deg)}.stats-inner{flex-wrap:wrap;gap:20px;padding:28px 32px}.stat-divider{display:none}.stat-item{flex:40%}.cta-card{padding:48px 32px}}@media (max-width:600px){.hero{padding:36px 0 32px}.hero-inner{gap:28px}.hero h1{word-wrap:break-word;overflow-wrap:break-word;margin-bottom:12px;font-size:1.5rem;line-height:1.22}.hero-badge{gap:5px;margin-bottom:14px;padding:5px 10px;font-size:.7rem}.hero-desc{margin-bottom:20px;font-size:.85rem;line-height:1.6}.hero-actions{flex-direction:column;align-items:stretch;gap:10px}.hero-actions .btn{justify-content:center;width:100%;max-width:100%}.hero-trust{flex-wrap:wrap;margin-top:4px;font-size:.72rem}.hero-visual{display:none}.stats-bar{margin-top:-20px}.stats-inner{gap:12px;padding:20px 16px}.stat-item{flex:40%}.stat-number{font-size:1.3rem}.stat-label{font-size:.72rem}.about-section{padding:50px 0}.section-header{margin-bottom:28px}.section-tag{padding:5px 12px;font-size:.72rem}.section-desc{font-size:.9rem}.about-card{padding:24px 20px}.about-icon{width:48px;height:48px;margin-bottom:16px}.about-card h3{font-size:1.05rem}.about-card p{font-size:.85rem}.benefits-section{padding:50px 0}.benefits-inner{gap:32px}.benefits-desc{font-size:.9rem}.benefits-list li{font-size:.85rem}.benefit-amount-card{padding:24px}.amount{font-size:2.4rem}.currency{font-size:1.2rem}.process-section{padding:50px 0}.step{padding:16px 12px}.step-icon{width:52px;height:52px}.step h3{font-size:1rem}.step p{font-size:.82rem}.cta-section{padding:30px 0 50px}.cta-card{border-radius:var(--radius-lg);padding:28px 18px}.cta-card h2{font-size:1.3rem}.cta-card p{font-size:.88rem}}@media (max-width:400px){.hero h1{font-size:1.35rem}.hero-desc{font-size:.82rem}.hero-badge{font-size:.65rem}.stat-item{flex:100%}.about-card{padding:20px 16px}.benefit-amount-card{padding:20px}.amount{font-size:2rem}.cta-card{padding:24px 16px}}.footer{background:var(--primary);color:#ffffffd9;margin-top:auto}.footer-top{padding:64px 0 48px}.footer-grid{grid-template-columns:1.5fr 1fr 1fr;gap:56px;display:grid}.footer-logo{color:#fff;align-items:center;gap:12px;margin-bottom:20px;display:flex}.brand-title{color:#fff;letter-spacing:-.03em;font-size:1.25rem;font-weight:800;line-height:1.1;display:block}.brand-sub{color:#ffffff80;font-size:.75rem;font-weight:500;display:block}.brand-desc{margin-bottom:20px;font-size:.9rem;line-height:1.7;color:#fff9!important}.trust-badges{gap:12px;display:flex}.badge{border-radius:var(--radius-full);color:#ffffffb3;background:#ffffff14;border:1px solid #ffffff1f;align-items:center;gap:6px;padding:6px 14px;font-size:.78rem;display:inline-flex}.footer-section h4{color:#fff;letter-spacing:.08em;text-transform:uppercase;margin-bottom:20px;font-size:.85rem;font-weight:700}.footer-section ul{padding:0;list-style:none}.footer-section ul li{margin-bottom:12px}.footer-section ul li a{color:#fff9;transition:all var(--transition-fast);font-size:.9rem}.footer-section ul li a:hover{color:#fff;padding-left:4px}.contact-items{flex-direction:column;gap:18px;display:flex}.contact-item{color:#ffffff80;align-items:flex-start;gap:12px;display:flex}.contact-item svg{flex-shrink:0;margin-top:2px}.contact-label{text-transform:uppercase;letter-spacing:.05em;color:#fff6;margin-bottom:2px;font-size:.75rem;font-weight:600;display:block}.contact-value{color:#fffc;font-size:.9rem;display:block}.hours-badge{color:#fff;background:#2f6dcb66;border:1px solid #ffffff1a;border-radius:6px;margin-top:2px;padding:2px 10px;font-size:.85rem;font-weight:700;display:inline-block}.footer-bottom{border-top:1px solid #ffffff14;padding:20px 0}.footer-bottom-inner{justify-content:space-between;align-items:center;display:flex}.footer-bottom p{color:#ffffff59;font-size:.82rem}.footer-bottom-links{gap:24px;display:flex}.footer-bottom-links a{color:#ffffff59;font-size:.82rem}.footer-bottom-links a:hover{color:#ffffffb3}@media (max-width:991px){.footer-grid{grid-template-columns:1fr;gap:40px}}@media (max-width:600px){.footer-bottom-inner{text-align:center;flex-direction:column;gap:12px}}.apply-page{background:var(--bg-body);padding-bottom:80px}.apply-header{background:linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);margin-bottom:0;padding:48px 0 56px}.apply-header h1{color:#fff;margin-bottom:8px}.apply-subtitle{font-size:1.05rem;color:#fff9!important}.apply-layout{z-index:1;grid-template-columns:240px 1fr;gap:32px;margin-top:-32px;display:grid;position:relative}.step-sidebar{top:calc(var(--header-height) + 24px);height:fit-content;position:sticky}.steps-list{border-radius:var(--radius-lg);box-shadow:var(--shadow-md);background:#fff;flex-direction:column;gap:4px;margin-bottom:16px;padding:24px 20px;display:flex}.step-item{border-radius:var(--radius-sm);cursor:pointer;width:100%;transition:all var(--transition-fast);color:var(--text-muted);text-align:left;background:0 0;border:none;align-items:center;gap:12px;padding:12px 14px;font-size:.88rem;font-weight:500;display:flex}.step-item:hover{background:var(--bg-surface-alt);color:var(--text-primary)}.step-item:focus-visible{outline:3px solid var(--accent-glow);outline-offset:2px}.step-item:disabled{opacity:.75;cursor:not-allowed}.step-item.active{color:var(--accent);background:#13a89e14;font-weight:600}.step-item.completed{color:var(--success)}.step-circle{background:var(--bg-surface-alt);width:32px;height:32px;transition:all var(--transition-fast);border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;display:flex}.step-item.active .step-circle{background:var(--accent);color:#fff}.step-item.completed .step-circle{background:var(--success-bg);color:var(--success)}.security-note{border-radius:var(--radius-md);box-shadow:var(--shadow-sm);color:var(--text-muted);background:#fff;align-items:center;gap:8px;padding:14px 16px;font-size:.78rem;display:flex}.form-card{border-radius:var(--radius-lg);box-shadow:var(--shadow-md);background:#fff;min-height:500px;padding:48px}.step-heading{border-bottom:1px solid var(--border-light);margin-bottom:36px;padding-bottom:20px}.step-heading h2{margin-bottom:6px;font-size:1.5rem}.step-heading p{color:var(--text-muted);font-size:.92rem}.animate-step{animation:.4s ease-out fadeInUp}.form-grid{grid-template-columns:1fr 1fr;gap:24px;display:grid}.full-width{grid-column:span 2}.form-group label{color:var(--text-primary);align-items:center;gap:6px;margin-bottom:8px;font-size:.88rem;font-weight:600;display:flex}.form-group.has-error label{color:var(--error)}.form-group input,.form-group select,.form-group textarea{border:1.5px solid var(--border-light);border-radius:var(--radius-sm);background:var(--bg-surface-alt);width:100%;transition:all var(--transition-fast);color:var(--text-primary);padding:13px 16px;font-size:.95rem}.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-glow);background:#fff;outline:none}.form-group input::placeholder{color:var(--text-muted);font-weight:400}.input-error{border-color:var(--error)!important;background:#fff!important;box-shadow:0 0 0 3px #e53e3e1f!important}.form-section-divider{color:var(--text-muted);letter-spacing:.06em;text-transform:uppercase;align-items:center;gap:12px;margin:8px 0 4px;font-size:.78rem;font-weight:600;display:flex}.form-section-divider:before,.form-section-divider:after{content:"";background:var(--border-light);flex:1;height:1px}.field-hint{color:var(--text-muted);margin-top:6px;font-size:.78rem;display:block}.field-error{color:var(--error);flex-shrink:0;align-items:flex-start;gap:6px;margin-top:2px;font-size:.82rem;line-height:1.5;display:flex}.license-upload{width:100%}.file-input{display:none}.upload-trigger{border:2px dashed var(--border-medium);border-radius:var(--radius-md);background:var(--bg-surface-alt);cursor:pointer;width:100%;min-height:160px;transition:all var(--transition-fast);justify-content:center;align-items:center;display:flex;overflow:hidden}.upload-trigger:hover{border-color:var(--accent);background:#13a89e08}.upload-trigger:disabled{cursor:not-allowed;opacity:.75}.upload-error{border-color:var(--error);background:var(--error-bg);box-shadow:0 0 0 3px #e53e3e1a}.upload-placeholder{color:var(--text-muted);flex-direction:column;align-items:center;gap:8px;font-size:.85rem;display:flex}.license-preview{object-fit:cover;width:100%;height:160px}.phone-input-wrapper{align-items:center;display:flex;position:relative}.phone-prefix{color:var(--text-primary);pointer-events:none;font-size:.95rem;font-weight:500;position:absolute;left:16px}.phone-input-wrapper input{padding-left:42px!important}.phone-input-error .phone-prefix{color:var(--error)}.form-nav{border-top:1px solid var(--border-light);align-items:center;margin-top:40px;padding-top:24px;display:flex}.form-nav-spacer{flex:1}.error-msg{background:var(--error-bg);color:var(--error);border-radius:var(--radius-sm);align-items:center;gap:10px;margin-top:20px;padding:14px 20px;font-size:.9rem;display:flex}.btn:disabled{opacity:.7;cursor:not-allowed;box-shadow:none!important;transform:none!important}.spinner{animation:1s linear infinite spin}@media (max-width:991px){.apply-layout{grid-template-columns:1fr}.step-sidebar{position:static}.steps-list{flex-direction:row;gap:0;padding:16px;overflow-x:auto}.step-item{text-align:center;flex-direction:column;min-width:fit-content;padding:10px 16px;font-size:.78rem}.step-title,.security-note{display:none}}@media (max-width:600px){.form-card{padding:28px 20px}.form-grid{grid-template-columns:1fr}.full-width{grid-column:span 1}.form-nav{flex-direction:column-reverse;gap:12px}.form-nav .btn{justify-content:center;width:100%}.form-nav-spacer{display:none}}