/* MOVA SEO spoke pages — same locked header as homepage (utility white + solid navy) */
.page-spoke .site-header {
  background: #fff;
  border-bottom: none;
  box-shadow: none;
}
.page-spoke .header-main { background: var(--navy-900); }
.page-spoke .nav-primary a { color: rgba(255, 255, 255, 0.92); }
.page-spoke .nav-primary a:hover,
.page-spoke .nav-primary a.active { color: #fff; background: rgba(255, 255, 255, 0.12); }
.page-spoke .site-header .nav-toggle { border-color: rgba(255, 255, 255, 0.35); }
.page-spoke .site-header .nav-toggle span { background: #fff; }

.page-hero {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-700) 100%);
  color: #fff; padding: 56px 0 48px;
}
/* Standardised image hero: brand flat-lay behind text, objects on the right,
   dark overlay on the left for readable copy. Image is the LCP element (preload
   + fetchpriority in the page head); width/height set to avoid CLS. */
.page-hero--image { position: relative; overflow: hidden; }
.page-hero--image > .container { position: relative; z-index: 2; }
.page-hero__bg {
  position: absolute; inset: 0; width: 100%; height: 100%;
  object-fit: cover; object-position: center; transform: scaleX(-1);
  z-index: 0; pointer-events: none;
}
.page-hero--image::after {
  content: ""; position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background: linear-gradient(90deg,
    rgba(11,18,32,.96) 0%, rgba(11,18,32,.88) 34%,
    rgba(11,18,32,.55) 68%, rgba(11,18,32,.30) 100%);
}
@media (max-width: 640px) {
  .page-hero--image::after {
    background: linear-gradient(180deg,
      rgba(11,18,32,.82) 0%, rgba(11,18,32,.90) 55%, rgba(11,18,32,.94) 100%);
  }
}
.page-hero h1 {
  font-family: var(--display); font-weight: 600;
  font-size: clamp(28px, 4vw, 42px); line-height: 1.15; max-width: 720px;
}
.page-hero .lead { color: rgba(255,255,255,.82); font-size: 18px; max-width: 640px; margin-top: 16px; }
.page-hero .hero-actions { margin-top: 24px; display: flex; gap: 12px; flex-wrap: wrap; }
.page-hero .btn-outline { border-color: rgba(255,255,255,.45); color: #fff; }

.breadcrumbs {
  font-size: 13px; color: rgba(255,255,255,.65); margin-bottom: 20px;
}
.breadcrumbs a { color: rgba(255,255,255,.9); }
.breadcrumbs a:hover { text-decoration: underline; }
.bc-sep { margin: 0 8px; opacity: .5; }

.page-section { padding: 56px 0; }
.page-section.alt { background: var(--bg-soft); border-top: 1px solid var(--line); }
.page-section h2 {
  font-family: var(--display); font-size: clamp(22px, 3vw, 30px);
  color: var(--navy-900); margin-bottom: 16px;
}
.page-section .section-intro { color: var(--muted); max-width: 680px; margin-bottom: 28px; }

.hub-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 20px; }
.hub-card {
  transition: box-shadow .2s, transform .2s;
}

/* Mortgage hub — trust / personas / process / doc tabs */
.hub-trust { padding: 28px 0; border-bottom: 1px solid var(--line); }
.hub-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.hub-stat {
  text-align: center;
  padding: 12px 8px;
}
.hub-stat strong {
  display: block;
  font-family: var(--display);
  font-size: clamp(22px, 3vw, 28px);
  color: var(--navy-900);
  font-weight: 600;
  line-height: 1.2;
}
.hub-stat span {
  display: block;
  margin-top: 6px;
  font-size: 13px;
  color: var(--muted);
  line-height: 1.35;
}

.persona-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}
.persona-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 22px 22px 18px;
  box-shadow: var(--mova-widget-shadow, var(--shadow-sm));
}
.persona-card h3 {
  font-family: var(--display);
  font-size: 20px;
  color: var(--navy-900);
  margin: 0 0 6px;
}
.persona-tag {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
  color: #a9812f;
  margin: 0 0 14px;
}
.persona-facts {
  list-style: none;
  margin: 0 0 16px;
  padding: 0;
  display: grid;
  gap: 10px;
}
.persona-facts li {
  font-size: 14px;
  color: var(--muted);
  line-height: 1.45;
  padding-left: 14px;
  border-left: 2px solid rgba(201, 163, 90, 0.45);
}
.persona-facts strong { color: var(--navy-900); }
.hub-disclaimer {
  margin-top: 22px;
  font-size: 13px;
  color: var(--muted);
  max-width: 820px;
  line-height: 1.5;
}

.process-steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 16px;
  counter-reset: none;
}
.process-steps > li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 18px 16px;
}
.process-num {
  flex: 0 0 auto;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 800;
  font-size: 14px;
  color: var(--navy-900);
  background: rgba(201, 163, 90, 0.18);
  border: 1px solid rgba(201, 163, 90, 0.55);
}
.process-steps h3 {
  font-size: 16px;
  color: var(--navy-900);
  margin: 2px 0 6px;
}
.process-steps p {
  margin: 0;
  font-size: 14px;
  color: var(--muted);
  line-height: 1.45;
}

.doc-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 20px;
}
.doc-tab {
  appearance: none;
  border: 1px solid var(--line);
  background: #fff;
  color: var(--navy-800);
  font: inherit;
  font-size: 14px;
  font-weight: 600;
  padding: 10px 14px;
  border-radius: 999px;
  cursor: pointer;
}
.doc-tab:hover { border-color: var(--gold); color: #a9812f; }
.doc-tab.is-active {
  background: var(--navy-900);
  border-color: var(--navy-900);
  color: #fff;
}

.hub-why-list {
  margin: 0;
  padding-left: 18px;
  display: grid;
  gap: 10px;
  color: var(--muted);
  font-size: 15px;
  line-height: 1.5;
}
.hub-why-list a { color: var(--navy-700); text-decoration: underline; }
.advisor-notes {
  display: grid;
  gap: 14px;
}
.advisor-notes p {
  margin: 0;
  padding: 14px 16px;
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  font-size: 14px;
  color: var(--muted);
  line-height: 1.5;
}
.advisor-notes strong { color: var(--navy-900); }

@media (max-width: 900px) {
  .hub-stats { grid-template-columns: repeat(2, 1fr); }
  .persona-grid { grid-template-columns: 1fr; }
}
@media (max-width: 520px) {
  .hub-stats { grid-template-columns: 1fr; }
}

.doc-list { list-style: none; display: grid; gap: 14px; }
.doc-item {
  display: flex; gap: 14px; align-items: flex-start;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 16px 18px;
}
.doc-check { color: #157347; font-weight: 800; font-size: 18px; flex: 0 0 auto; }
.doc-title { display: block; color: var(--navy-900); font-size: 16px; margin-bottom: 4px; }
/* Pre-approval loads the lead-form widgets.css which forces .doc-item .doc-title white;
   restore dark text for the light-background supporting content sections on that page. */
.page-preapproval .page-section .doc-item .doc-title { color: var(--navy-900); }
.doc-desc { color: var(--muted); font-size: 14px; line-height: 1.55; }
.doc-desc a { color: var(--navy-700); text-decoration: underline; }

.page-docs-upload .docs-banner {
  margin: 0 0 16px;
  padding: 12px 14px;
  border: 1px solid #b7e4c7;
  background: #edf7f0;
  border-radius: var(--radius-sm, 8px);
}
.page-docs-upload .docs-banner__msg {
  margin: 0;
  color: var(--navy-900);
  font-weight: 700;
  font-size: 15px;
}
.page-docs-upload .docs-banner__sub {
  margin: 4px 0 0;
  color: var(--muted);
  font-size: 13px;
}
.page-docs-upload .doc-list { gap: 10px; }
.page-docs-upload .doc-slot {
  display: flex;
  align-items: center;
  gap: 12px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm, 8px);
  padding: 12px 14px;
}
.page-docs-upload .doc-slot__meta { flex: 1 1 auto; min-width: 0; }
.page-docs-upload .doc-slot__title {
  display: block;
  color: var(--navy-900);
  font-size: 15px;
  font-weight: 650;
  line-height: 1.35;
}
.page-docs-upload .doc-slot__file {
  display: block;
  margin-top: 2px;
  color: var(--muted);
  font-size: 12px;
}
.page-docs-upload .doc-slot__actions {
  display: flex;
  align-items: center;
  gap: 8px;
  flex: 0 0 auto;
}
.page-docs-upload .doc-slot__ok { width: 22px; height: 22px; display: block; }
.page-docs-upload .doc-slot__status {
  color: #157347;
  font-size: 13px;
  font-weight: 700;
}
.page-docs-upload .doc-slot--done {
  opacity: 0.78;
  background: #f4f7f5;
}
.page-docs-upload .doc-slot--done .pa-btn { display: none; }
.page-docs-upload .doc-slot--picked { border-color: #8fd4a8; }

.page-docs-upload .docs-info-cue[hidden],
.page-docs-upload .docs-profile[hidden] { display: none !important; }
.page-docs-upload .docs-info-cue {
  display: flex;
  align-items: center;
  gap: 14px;
  width: 100%;
  margin: 0 0 16px;
  padding: 14px 16px;
  text-align: left;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm, 8px);
  background: #fff;
  color: var(--navy-900);
  cursor: pointer;
}
.page-docs-upload .docs-info-cue__icon {
  flex: 0 0 auto;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: #001640;
  color: #c9a35a;
  animation: docs-info-pulse 1.15s ease-in-out infinite;
}
.page-docs-upload .docs-info-cue--done .docs-info-cue__icon {
  animation: none;
  background: #157347;
  color: #fff;
}
.page-docs-upload .docs-info-cue__copy {
  display: grid;
  gap: 2px;
  min-width: 0;
}
.page-docs-upload .docs-info-cue__copy strong {
  font-size: 15px;
  font-weight: 750;
}
.page-docs-upload .docs-info-cue__copy span {
  font-size: 13px;
  color: var(--muted);
}
@keyframes docs-info-pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.42; transform: scale(1.08); }
}

.page-docs-upload .docs-profile__title {
  margin: 0 0 4px;
  color: var(--navy-900);
  font-size: 20px;
}
.page-docs-upload .docs-profile__block {
  margin: 0 0 18px;
  padding-bottom: 4px;
}
.page-docs-upload .docs-profile__h {
  margin: 0 0 6px;
  color: var(--navy-900);
  font-size: 14px;
  font-weight: 750;
}
.page-docs-upload .docs-profile__hint {
  margin: 0 0 8px;
  color: var(--muted);
  font-size: 12px;
}
.page-docs-upload .docs-profile__row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.page-docs-upload .docs-profile .choice-card-grid--binary {
  margin: 0 0 12px;
}
.page-docs-upload .docs-modal {
  position: fixed;
  inset: 0;
  z-index: 80;
  display: grid;
  place-items: center;
  padding: 16px;
}
.page-docs-upload .docs-modal[hidden] { display: none; }
.page-docs-upload .docs-modal__backdrop {
  position: absolute;
  inset: 0;
  background: rgba(0, 22, 64, 0.46);
}
.page-docs-upload .docs-modal__dialog { position: relative; z-index: 1; }
.page-docs-upload .docs-modal__msg {
  margin: 0;
  color: var(--navy-900);
  font-size: 16px;
  font-weight: 700;
}
@media (max-width: 560px) {
  .page-docs-upload .docs-profile__row { grid-template-columns: 1fr; }
}

.rate-table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius-sm); }
.rate-table { width: 100%; border-collapse: collapse; font-size: 15px; }
.rate-table th, .rate-table td { padding: 12px 16px; text-align: left; border-bottom: 1px solid var(--line); }
.rate-table thead th { background: var(--navy-900); color: #fff; font-weight: 800; }
.rate-table tbody tr:nth-child(even) { background: var(--bg-soft); }
.rate-updated { font-size: 13px; color: var(--muted); margin-bottom: 12px; }
.rate-cta { margin-top: 20px; }

.calc-panel-spoke {
  box-shadow: var(--mova-widget-shadow, var(--shadow-sm));
}
.calc-panel-spoke .field { margin-bottom: 18px; }
.calc-panel-spoke .field-top { display: flex; justify-content: space-between; margin-bottom: 8px; font-size: 14px; font-weight: 600; }
.calc-panel-spoke input[type="range"] { width: 100%; }
.calc-result-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 20px; }
.calc-result-box { background: var(--bg-soft); border-radius: var(--radius-sm); padding: 14px; text-align: center; }
.calc-result-box span { display: block; font-size: 12px; color: var(--muted); margin-bottom: 4px; }
.calc-result-box strong { font-size: 20px; color: var(--navy-900); }
.calc-highlight { margin-top: 16px; padding: 16px; background: var(--gold-tint); border-radius: var(--radius-sm); text-align: center; }
.calc-highlight strong { color: #a9812f; font-size: 22px; }

.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.internal-links { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }
.internal-links a {
  font-size: 14px; font-weight: 600; padding: 8px 14px;
  border: 1px solid var(--line); border-radius: 999px; color: var(--navy-800);
}

.spoke-cta {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-700) 100%);
  color: #fff; border-top: none;
}
.spoke-cta-inner {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 20px;
}
.spoke-cta h2 { color: #fff; font-family: var(--display); font-size: clamp(22px, 3vw, 28px); margin-bottom: 8px; }
.spoke-cta p { color: rgba(255,255,255,.82); max-width: 520px; margin: 0; }
.footer-cross { font-size: 14px; color: var(--muted); margin-top: 12px; line-height: 1.5; }
.footer-cross a { color: var(--navy-700); text-decoration: underline; }
.internal-links a:hover { border-color: var(--gold); color: #a9812f; }

.partner-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; }
.partner-card { background: #fff; border: 1px solid var(--line); }

.nav-drawer a.active { color: var(--gold); }

/* ── Partner / Careers apply (full-bleed + frosted form; header stays locked) ── */
.apply-hero {
  position: relative;
  min-height: calc(100vh - var(--mova-header-h, 100px));
  min-height: calc(100svh - var(--mova-header-h, 100px));
  display: flex;
  align-items: center;
  padding: 48px 0 72px;
  color: #fff;
  overflow: hidden;
}
.apply-hero__media {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.apply-hero__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 22% center;
}
.apply-hero__overlay--bespoke {
  background:
    linear-gradient(105deg, rgba(4, 10, 22, 0.62) 0%, rgba(4, 10, 22, 0.32) 42%, rgba(4, 10, 22, 0.18) 68%, rgba(4, 10, 22, 0.28) 100%);
}
.apply-hero__points {
  list-style: none;
  margin-top: 22px;
  display: grid;
  gap: 10px;
  max-width: 520px;
}
.apply-hero__points li {
  position: relative;
  padding-left: 26px;
  color: rgba(255, 255, 255, 0.88);
  font-size: 16px;
  line-height: 1.45;
}
.apply-hero__points li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--gold-soft);
  font-weight: 800;
}
.apply-form__lead {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 20px;
  color: #fff;
}
.apply-hero__overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  background:
    linear-gradient(105deg, rgba(4, 10, 22, 0.55) 0%, rgba(4, 10, 22, 0.28) 42%, rgba(4, 10, 22, 0.12) 68%, rgba(4, 10, 22, 0.22) 100%);
  pointer-events: none;
}
.apply-hero__grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: minmax(260px, 1fr) minmax(480px, 640px);
  gap: clamp(32px, 5vw, 72px);
  align-items: center;
}
.apply-hero__copy h1 {
  font-family: var(--display);
  font-weight: 600;
  font-size: clamp(34px, 4.5vw, 52px);
  line-height: 1.08;
  margin-bottom: 18px;
  text-shadow: 0 2px 24px rgba(0, 0, 0, 0.35);
}
.apply-hero__copy .lead {
  font-size: clamp(17px, 2vw, 20px);
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.88);
  max-width: 520px;
}
.apply-hero__copy .breadcrumbs {
  margin-bottom: 22px;
}
.apply-form {
  width: 100%;
  padding: clamp(32px, 4vw, 48px);
  border-radius: calc(var(--mova-widget-radius, 20px) + 2px);
  background: rgba(255, 255, 255, 0.11);
  -webkit-backdrop-filter: blur(26px) saturate(165%);
  backdrop-filter: blur(26px) saturate(165%);
  border: 1px solid rgba(255, 255, 255, 0.32);
  box-shadow: 0 28px 80px rgba(0, 0, 0, 0.38);
  color: #fff;
}
.apply-form .field { margin-bottom: 22px; }
.apply-form label {
  display: block;
  font-size: 14px;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.92);
  margin-bottom: 8px;
}
.apply-form input,
.apply-form select,
.apply-form textarea {
  width: 100%;
  padding: 14px 16px;
  font-size: 16px;
  font-family: inherit;
  color: #fff;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.28);
  border-radius: 12px;
  transition: border-color 0.15s, box-shadow 0.15s, background 0.15s;
}
.apply-form input::placeholder,
.apply-form textarea::placeholder { color: rgba(255, 255, 255, 0.45); }
.apply-form select { color: #fff; }
.apply-form select option { color: var(--navy-900); background: #fff; }
.apply-form input:focus,
.apply-form select:focus,
.apply-form textarea:focus {
  outline: none;
  border-color: var(--gold);
  background: rgba(255, 255, 255, 0.14);
  box-shadow: 0 0 0 3px rgba(201, 163, 90, 0.25);
}
.apply-form textarea { min-height: 120px; resize: vertical; }
.apply-form .btn-primary { margin-top: 8px; font-size: 16px; padding: 16px 24px; }
.apply-form .form-note { color: rgba(255, 255, 255, 0.75); font-size: 15px; }
.apply-form .form-note.ok { color: #86efac; }
.apply-form__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 20px;
}
.apply-form__grid .field--full { grid-column: 1 / -1; }

@media (max-width: 960px) {
  .apply-hero__grid { grid-template-columns: 1fr; }
  .apply-hero { padding-top: 32px; align-items: flex-start; }
  .apply-form__grid { grid-template-columns: 1fr; }
}

/* ── Partner apply — plain white page + calculator-style card (2026-07-23) ── */
.page-apply--plain {
  background: #fff;
}
.page-apply--plain .site-header {
  /* header kendi stilini korur */
}
.apply-plain {
  background: #fff;
  min-height: calc(100vh - var(--mova-header-h, 100px));
  padding: 32px 0 64px;
}
.apply-plain__inner {
  max-width: 720px;
  margin: 0 auto;
}
.apply-plain__crumbs {
  margin-bottom: 16px;
}
.apply-plain__crumbs .breadcrumbs {
  color: var(--muted, #64748b);
}
.apply-card {
  overflow: hidden;
  border-radius: var(--mova-widget-radius, 20px);
  box-shadow: var(--mova-widget-shadow, 0 12px 40px rgba(10, 24, 48, 0.1));
  border: 1px solid #E2E8F0;
  background: #fff;
}
.apply-card__head {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 6px;
  padding: 18px 24px;
}
.apply-card__title-brand {
  font-size: 13px;
}
.apply-card__title {
  margin: 0 !important;
  font-size: clamp(18px, 2.4vw, 22px) !important;
  font-weight: 700 !important;
  letter-spacing: -0.02em;
  color: #fff !important;
}
.apply-card__body {
  padding: 24px 28px 8px;
}
.apply-card__lead {
  margin: 0 0 20px;
  font-size: 15px;
  line-height: 1.5;
  color: #475569;
}
.apply-card__brandbar {
  border-radius: 0 0 var(--mova-widget-radius, 20px) var(--mova-widget-radius, 20px);
}

/* Light form fields inside white card (overrides glass hero form) */
.apply-form--card {
  width: 100%;
  padding: 0;
  border-radius: 0;
  background: transparent;
  -webkit-backdrop-filter: none;
  backdrop-filter: none;
  border: none;
  box-shadow: none;
}
.apply-form--card .field { margin-bottom: 16px; }
.apply-form--card label {
  display: block;
  font-size: 12px;
  font-weight: 700;
  color: #334155;
  margin-bottom: 6px;
  text-transform: none;
}
.apply-form--card input,
.apply-form--card select,
.apply-form--card textarea {
  width: 100%;
  padding: 12px 14px;
  font-size: 15px;
  font-family: inherit;
  color: #0F172A;
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-radius: 10px;
}
.apply-form--card input::placeholder,
.apply-form--card textarea::placeholder { color: #94A3B8; }
.apply-form--card select option { color: #0F172A; background: #fff; }
.apply-form--card input:focus,
.apply-form--card select:focus,
.apply-form--card textarea:focus {
  outline: none;
  border-color: #3B82F6;
  background: #fff;
  box-shadow: 0 0 0 3px rgba(59, 130, 246, 0.18);
}
.apply-form--card .form-note { color: #64748b; font-size: 14px; margin-top: 12px; }
.apply-form--card .form-note.ok { color: #059669; }
.apply-form--card .form-note--success {
  display: flex;
  flex-direction: column;
  gap: 8px;
  padding: 18px 16px;
  border-radius: 12px;
  border: 1px solid rgba(5, 150, 105, 0.35);
  background: rgba(5, 150, 105, 0.08);
  font-weight: 500;
  line-height: 1.45;
}
.apply-form--card .form-note__title {
  font-size: 16px;
  font-weight: 700;
  letter-spacing: 0.01em;
}
.apply-form--card .form-note__body {
  font-size: 14px;
  font-weight: 500;
  opacity: 0.95;
}
.apply-form.is-submitted .apply-card__lead { display: none; }
.apply-card--navy .apply-form--card .form-note--success {
  border-color: rgba(134, 239, 172, 0.35);
  background: rgba(134, 239, 172, 0.1);
  color: #bbf7d0;
}
.apply-card--navy .apply-form--card .form-note--success .form-note__title { color: #ecfdf5; }
.apply-form--card .btn-primary { margin-top: 4px; }

.apply-phone {
  display: flex;
  align-items: stretch;
  border: 1px solid #E2E8F0;
  border-radius: 10px;
  background: #F8FAFC;
  overflow: hidden;
}
.apply-phone__dial {
  display: flex;
  align-items: center;
  padding: 0 12px;
  font-size: 14px;
  font-weight: 700;
  color: #334155;
  background: #EEF2F7;
  border-right: 1px solid #E2E8F0;
  white-space: nowrap;
}
.apply-phone input {
  border: none !important;
  border-radius: 0 !important;
  background: transparent !important;
  box-shadow: none !important;
}
.apply-phone:focus-within {
  border-color: #3B82F6;
  box-shadow: 0 0 0 3px rgba(59, 130, 246, 0.18);
  background: #fff;
}

/* Optional navy card variant — user toggles later */
.apply-card--navy {
  background: var(--navy-900, #0B1F35);
  border-color: rgba(255,255,255,0.08);
}
.apply-card--navy .apply-card__body { background: transparent; }
.apply-card--navy .apply-card__lead { color: rgba(255,255,255,0.78); }
.apply-card--navy .apply-form--card label { color: rgba(255,255,255,0.9); }
.apply-card--navy .apply-form--card input,
.apply-card--navy .apply-form--card select,
.apply-card--navy .apply-form--card textarea {
  color: #fff;
  background: rgba(255,255,255,0.08);
  border-color: rgba(255,255,255,0.18);
}
.apply-card--navy .apply-phone {
  background: rgba(255,255,255,0.08);
  border-color: rgba(255,255,255,0.18);
}
.apply-card--navy .apply-phone__dial {
  background: rgba(255,255,255,0.12);
  color: #fff;
  border-right-color: rgba(255,255,255,0.18);
}
.apply-card--navy .apply-form--card .form-note { color: rgba(255,255,255,0.65); }

@media (max-width: 768px) {
  .two-col { grid-template-columns: 1fr; }
  .calc-result-row { grid-template-columns: 1fr; }
  .apply-plain { padding: 20px 0 48px; }
  .apply-card__body { padding: 18px 16px 4px; }
}

html[dir="rtl"] .doc-item { flex-direction: row-reverse; text-align: right; }

/* Lead / contact / pre-approval — calculator holo shell (no progress tabs) */
.page-lead {
  padding-top: 28px;
  padding-bottom: 48px;
}
.page-lead__crumbs {
  margin-bottom: 12px;
}
.page-lead .breadcrumbs {
  color: var(--muted);
  margin-bottom: 0;
}
.page-lead .breadcrumbs a {
  color: var(--navy-700);
}
.page-lead .breadcrumbs a:hover {
  color: var(--gold);
  text-decoration: none;
}

.hf-wizard--lead {
  --hf-progress-h: 0px;
  --hf-content-h: auto;
  --hf-body-h: auto;
  --hf-fit-chrome: 0px;
  --hf-intro-block-h: auto;
  --hf-intro-title-h: auto;
  --hf-intro-sub-h: none;
  --hf-intro-gap-widgets: 10px;
  /* Match calculator wizard intro (not page H1) */
  --hf-intro-title-size: 17px;
  --hf-intro-sub-size: 12px;
  --hf-intro-sub-lines: 3;
}
.hf-wizard--lead .hf-wizard__body {
  height: auto;
  min-height: 0;
  padding: 28px 28px 20px;
}
.hf-wizard--lead .hf-panel.is-active {
  height: auto;
  min-height: 0;
  display: flex;
  flex-direction: column;
}
.hf-wizard--lead .hf-panel.is-active .hf-panel__content,
.hf-wizard--lead .hf-panel__content--lead {
  height: auto;
  min-height: 0;
  max-height: none;
  flex: 1 1 auto;
  overflow: visible;
  padding-right: 0;
}
.hf-wizard--lead .hf-panel__intro {
  flex: 0 0 auto;
  height: auto;
  min-height: 0;
  max-height: none;
  overflow: visible;
  margin: 0 0 var(--hf-intro-gap-widgets);
}
.hf-wizard--lead .hf-panel__intro h2,
.hf-wizard--lead .mova-widget__lead-title {
  flex: none;
  height: auto;
  white-space: normal;
  overflow: visible;
  text-overflow: unset;
  font-size: var(--hf-intro-title-size) !important;
  font-weight: 600;
  line-height: 1.25;
  margin: 0 0 4px !important;
}
.hf-wizard--lead .hf-panel__intro .section-sub,
.hf-wizard--lead .mova-widget__lead-sub {
  max-height: none;
  display: block;
  -webkit-line-clamp: unset;
  font-size: var(--hf-intro-sub-size) !important;
  line-height: 1.4;
  margin: 0 !important;
}
.hf-wizard--lead .wiz-field {
  margin-bottom: 12px;
}
.hf-wizard--lead .wiz-label,
.hf-wizard--lead .hf-holo-form .wiz-label,
.hf-wizard--lead.hf-wizard--holo .wiz-label {
  font-size: 12px !important;
  font-weight: 600 !important;
  font-family: Manrope, system-ui, sans-serif !important;
  letter-spacing: 0 !important;
  line-height: 1.3 !important;
  margin-bottom: 4px !important;
  color: var(--navy-700, #334155) !important;
}
.hf-wizard--lead .wiz-row--contact {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px 16px;
  margin-bottom: 0;
}
.page-lead--contact #leadGoalField {
  grid-column: 1 / -1;
}
.page-lead--contact #leadValueField[hidden] {
  display: none !important;
}
.hf-wizard--lead .hf-contact-legal {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin: 4px 0 0;
}
.hf-wizard--lead .hf-legal-check {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  margin: 0;
  font-size: 11px;
  line-height: 1.35;
  color: #475569;
  cursor: pointer;
}
.hf-wizard--lead .hf-legal-check[hidden] {
  display: none !important;
}
.hf-wizard--lead .hf-legal-check input {
  flex: 0 0 14px;
  width: 14px;
  height: 14px;
  margin-top: 1px;
  accent-color: #0B1F35;
}
.hf-wizard--lead .hf-legal-check a {
  color: #0B1F35;
  text-decoration: underline;
  font-weight: 600;
}
.hf-wizard--lead .lf-note {
  margin: 8px 0 0;
  font-size: 12px;
  color: var(--muted);
  line-height: 1.4;
}
.hf-wizard--lead .lf-note.ok {
  color: #15803d;
}
.hf-wizard--lead .hf-actions {
  justify-content: flex-end;
  margin-top: 8px;
  padding-top: 12px;
}
.hf-wizard--lead .hf-btn-next {
  width: 100%;
  min-width: 0;
  margin-left: 0;
}

@media (max-width: 640px) {
  .hf-wizard--lead .hf-wizard__body {
    padding: 22px 18px 16px;
  }
  .hf-wizard--lead .wiz-row--contact {
    grid-template-columns: 1fr;
  }
}

/* Cashback — legal / small print */
.cashback-disclaimer {
  margin: 0;
  padding: 16px 18px;
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-left: 3px solid var(--gold);
  border-radius: var(--radius-sm);
  color: var(--muted);
  font-size: 13px;
  line-height: 1.55;
  max-width: 820px;
}