/* ============================================================
   CLEARPEAK LENDING — APPLY WIZARD
   Warm ivory + forest green to match homepage
   ============================================================ */

:root{
  --paper:#faf7f0;
  --paper-2:#f3eee3;
  --ink:#1f2a24;
  --ink-soft:#3d4a42;
  --muted:#6b7a72;
  --line:#e4ddd0;
  --line-strong:#d2c9b8;
  --forest:#1c3a2e;
  --forest-2:#25493a;
  --pine:#2f6b4f;
  --pine-soft:#e8f0e9;
  --gold:#c9932c;
  --error:#9c2f2f;

  --serif:'Fraunces','Iowan Old Style','Palatino Linotype',Palatino,Georgia,serif;
  --sans:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;
}

/* ============ APPLY WIZARD ============ */
.apply-shell{
  min-height:calc(100vh - 80px);
  background:radial-gradient(900px 500px at 50% -100px, #f3eee3 0%, #faf7f0 60%, #ffffff 100%);
  padding:40px 20px 100px;
  display:flex;justify-content:center;align-items:flex-start;
}
.apply-card{
  width:100%;max-width:640px;background:#fff;
  border-radius:22px;
  border:1px solid var(--line);
  box-shadow:0 30px 70px -30px rgba(28,58,46,.22), 0 4px 12px rgba(28,58,46,.05);
  padding:0 0 26px;overflow:hidden;position:relative;
}

/* Loading mode */
.apply-card.loading-mode{
  background:transparent !important;
  box-shadow:none !important;
  border:0 !important;
  border-radius:0 !important;
  max-width:none !important;
  width:100% !important;
  padding:0 !important;
  margin:0 !important;
  overflow:visible !important;
  position:static !important;
}
.apply-card.loading-mode .apply-progress,
.apply-card.loading-mode .apply-trust{display:none !important}
.apply-card.loading-mode .apply-steps{
  padding:0 !important;
  min-height:0 !important;
  position:static !important;
  display:block !important;
}

.apply-progress{height:5px;background:var(--paper-2)}
.apply-progress span{display:block;height:100%;width:0%;
  background:var(--forest);
  transition:width 1.1s cubic-bezier(.4,0,.2,1);}

.apply-steps{padding:44px 36px 8px;min-height:440px;position:relative}
.apply-step{display:none}
.apply-step.active{display:block;animation:cpStepIn .9s cubic-bezier(.22,1,.36,1)}
@keyframes cpStepIn{
  0%{opacity:0;transform:translateY(28px)}
  60%{opacity:.65}
  100%{opacity:1;transform:translateY(0)}
}

.apply-step h2{
  font-family:var(--serif);
  font-size:1.7rem;
  font-weight:600;
  line-height:1.2;
  color:var(--forest);
  margin:0 0 10px;
  letter-spacing:-.02em;
}
.apply-step .hint{
  font-family:var(--sans);
  color:var(--muted);
  margin:0 0 32px;
  font-size:.95rem;
  line-height:1.55;
}

/* ---------- CHOICES ---------- */
.choices{display:grid;gap:12px;margin-top:18px}
.choice{
  display:flex;align-items:center;gap:14px;
  padding:16px 18px;
  border:1.5px solid var(--line);
  border-radius:14px;
  cursor:pointer;background:#fff;
  transition:all .3s ease;
  font-family:var(--sans);
  font-weight:600;color:var(--ink);font-size:1rem;
  text-align:left;width:100%;
}
.choice:hover{
  border-color:var(--pine);
  background:#f6faf7;
  transform:translateY(-1px);
}
.choice .icon{
  width:38px;height:38px;
  border-radius:10px;
  background:var(--pine-soft);
  color:var(--pine);
  display:grid;place-items:center;
  font-size:1.1rem;flex-shrink:0;font-weight:700;
}
.choice small{
  display:block;font-weight:500;
  color:var(--muted);font-size:.82rem;margin-top:2px;
}
.choice.selected{
  border-color:var(--forest);
  background:var(--pine-soft);
}
.choice.selected .icon{
  background:var(--forest);
  color:#fff;
}

/* Multi-select — checkmark in the icon slot when picked */
.choice.multi.selected .icon{
  background:var(--forest);
  color:#fff;
  font-weight:700;
}

/* ---------- FIELDS ---------- */
.apply-field{margin-top:20px}
.apply-field:first-of-type{margin-top:0}
.apply-field label{
  display:block;font-family:var(--sans);
  font-weight:600;font-size:.88rem;
  color:var(--forest);
  margin-bottom:10px;
  letter-spacing:.01em;
}
.apply-field input,
.apply-field select{
  width:100%;
  padding:14px 16px;
  border:1.5px solid var(--line);
  border-radius:12px;
  font-family:var(--sans);
  font-size:16px;
  background:#fff;
  color:var(--ink);
  transition:border .2s ease, box-shadow .2s ease;
}
.apply-field input:focus,
.apply-field select:focus{
  outline:none;
  border-color:var(--pine);
  box-shadow:0 0 0 4px rgba(47,107,79,.13);
}
.apply-field input.invalid{
  border-color:var(--error);
  box-shadow:0 0 0 4px rgba(156,47,47,.12);
}
.field-error{
  color:var(--error);
  font-family:var(--sans);
  font-size:.82rem;
  margin-top:6px;
  font-weight:500;
}

.apply-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:20px}
.apply-row:first-of-type{margin-top:0}
.apply-row .apply-field{margin-top:0}

/* ---------- BUTTONS ---------- */
.apply-btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:15px 26px;
  border-radius:999px;
  font-family:var(--sans);
  font-weight:600;font-size:.98rem;
  border:0;cursor:pointer;
  background:var(--forest);
  color:#fff;
  transition:background .25s ease, transform .12s ease;
  width:100%;margin-top:28px;
}
.apply-btn:hover:not([disabled]){
  background:var(--forest-2);
  transform:translateY(-1px);
}
.apply-btn[disabled]{opacity:.45;cursor:not-allowed}

.apply-back{
  display:inline-block;margin-top:22px;
  color:var(--muted);
  font-family:var(--sans);
  font-size:.88rem;
  background:none;border:0;cursor:pointer;padding:0;
}
.apply-back:hover{color:var(--forest)}

/* ---------- MONEY ---------- */
.money-wrap{position:relative}
.money-wrap input{
  padding:14px 16px;
  font-family:var(--serif);
  font-size:1.15rem;
  font-weight:600;
}

/* ============================================================
   LOADING — full-screen, centered both axes
   ============================================================ */
.loading-screen{
  position:fixed !important;
  top:0 !important;
  left:0 !important;
  right:0 !important;
  bottom:0 !important;
  width:100vw !important;
  height:100vh !important;
  height:100dvh !important;
  margin:0 !important;
  padding:40px 24px !important;
  background:radial-gradient(900px 600px at 50% 40%, #f3eee3 0%, #faf7f0 55%, #ffffff 100%) !important;
  display:none;
  flex-direction:column !important;
  align-items:center !important;
  justify-content:center !important;
  text-align:center;
  z-index:99999 !important;
  box-sizing:border-box !important;
  overflow:hidden !important;
  transform:translateZ(0) !important;
  will-change:transform !important;
}
.loading-screen.active{
  display:flex !important;
  animation:cpLoaderFadeIn .5s ease both;
}
@keyframes cpLoaderFadeIn{from{opacity:0}to{opacity:1}}

.loader-badge{
  display:inline-flex;align-items:center;gap:10px;
  font-family:var(--sans);
  font-size:.74rem;font-weight:700;
  text-transform:uppercase;letter-spacing:.16em;
  color:var(--pine);
  padding:9px 20px;border-radius:999px;
  background:rgba(255,255,255,.92);
  border:1px solid var(--line);
  box-shadow:0 6px 18px rgba(47,107,79,.1);
  margin-bottom:44px;
}
.loader-badge::before{
  content:"";width:8px;height:8px;border-radius:50%;background:var(--pine);
  animation:cpDotBreath 2.4s ease-in-out infinite;
}
@keyframes cpDotBreath{
  0%,100%{opacity:.45;transform:scale(.9)}
  50%{opacity:1;transform:scale(1.2)}
}

.loader-orbit{
  position:relative;
  width:160px;
  height:160px;
  margin-bottom:52px;
}
.loader-orbit .ring{
  position:absolute;
  inset:0;
  border-radius:50%;
  border:4px solid transparent;
}
.loader-orbit .ring-1{
  border-top-color:var(--pine);
  border-right-color:var(--pine);
  animation:cpOrbit 3.8s linear infinite;
}
.loader-orbit .ring-2{
  inset:22px;
  border-bottom-color:var(--forest);
  border-left-color:var(--forest);
  animation:cpOrbit 2.8s linear infinite reverse;
}
.loader-orbit .ring-3{
  inset:44px;
  border-top-color:var(--gold);
  animation:cpOrbit 2.2s linear infinite;
}
.loader-orbit .dot{
  position:absolute;
  top:50%;left:50%;
  width:20px;height:20px;
  border-radius:50%;
  background:var(--forest);
  transform:translate(-50%,-50%);
  animation:cpPulse 2.6s ease-in-out infinite;
  box-shadow:0 6px 20px -6px rgba(28,58,46,.6);
}
@keyframes cpOrbit{to{transform:rotate(360deg)}}
@keyframes cpPulse{
  0%,100%{transform:translate(-50%,-50%) scale(1);opacity:1}
  50%{transform:translate(-50%,-50%) scale(1.3);opacity:.65}
}

.loader-msg{
  font-family:var(--serif);
  font-size:1.7rem;
  font-weight:600;
  color:var(--forest);
  letter-spacing:-.02em;
  line-height:1.25;
  margin:0 0 16px;
  max-width:560px;
}
.loader-sub{
  font-family:var(--sans);
  font-size:1rem;
  color:var(--muted);
  margin:0;
  max-width:480px;
  line-height:1.55;
}
.loader-progress{
  width:min(560px,90%);
  margin-top:52px;
}
.loader-progress .track{
  height:6px;
  background:var(--paper-2);
  border-radius:3px;
  overflow:hidden;
}
.loader-progress .fill{
  display:block;
  height:100%;
  width:0%;
  background:var(--forest);
  border-radius:3px;
  transition:width linear;
}
.loader-progress .pct{
  font-family:var(--sans);
  font-size:.92rem;
  color:var(--muted);
  margin-top:14px;
  text-align:center;
  font-variant-numeric:tabular-nums;
  letter-spacing:.04em;
  font-weight:600;
}

.loader-dots{display:inline-flex;gap:5px;align-items:center;margin-left:4px}
.loader-dots span{
  display:block;width:6px;height:6px;border-radius:50%;background:var(--pine);
  animation:cpDotPulse 1.6s ease-in-out infinite;
}
.loader-dots span:nth-child(2){animation-delay:.2s}
.loader-dots span:nth-child(3){animation-delay:.4s}
@keyframes cpDotPulse{
  0%,100%{opacity:.25;transform:translateY(0)}
  50%{opacity:1;transform:translateY(-3px)}
}

/* ---------- REVIEW ---------- */
.review-list{
  border:1px solid var(--line);
  border-radius:14px;
  overflow:hidden;
  margin-top:16px;
}
.review-row{
  display:grid;
  grid-template-columns:180px 1fr;
  gap:12px;
  padding:14px 18px;
  border-bottom:1px solid var(--line);
  font-family:var(--sans);
  font-size:.94rem;
}
.review-row:last-child{border-bottom:0}
.review-row dt{
  color:var(--muted);
  font-weight:600;
  margin:0;
  font-size:.78rem;
  text-transform:uppercase;
  letter-spacing:.06em;
}
.review-row dd{
  margin:0;
  color:var(--ink);
  font-weight:500;
  word-break:break-word;
}

/* ---------- TERMS ---------- */
.terms-box{
  max-height:240px;
  overflow-y:auto;
  padding:18px 20px;
  border:1px solid var(--line);
  border-radius:12px;
  background:var(--paper);
  font-family:var(--sans);
  font-size:.88rem;
  color:var(--ink-soft);
  line-height:1.6;
  margin-top:12px;
}
.terms-box h4{
  margin:16px 0 6px;
  color:var(--forest);
  font-family:var(--serif);
  font-size:.98rem;
  font-weight:600;
}
.terms-box h4:first-child{margin-top:0}
.terms-box p{margin:0 0 10px}
.terms-box a{color:var(--pine);text-decoration:underline;text-underline-offset:2px}
.agree{
  display:flex;
  gap:12px;
  align-items:flex-start;
  margin-top:16px;
  padding:16px 18px;
  border:1.5px solid var(--line);
  border-radius:12px;
  background:#fff;
  cursor:pointer;
  font-family:var(--sans);
  font-size:.94rem;
  line-height:1.55;
  color:var(--ink-soft);
}
.agree.checked{
  border-color:var(--forest);
  background:var(--pine-soft);
}
.agree input{
  width:20px;height:20px;
  margin-top:2px;
  accent-color:var(--forest);
  flex-shrink:0;
}

/* ---------- SUCCESS ---------- */
.success-wrap{text-align:center;padding:20px 0}
.success-check{
  width:80px;height:80px;
  border-radius:50%;
  margin:0 auto 20px;
  background:var(--forest);
  display:grid;place-items:center;
  color:#fff;font-size:2.2rem;
}
.ref-box{
  font-family:ui-monospace,SFMono-Regular,Menlo,monospace;
  background:var(--pine-soft);
  color:var(--forest);
  font-weight:700;
  padding:16px;
  border-radius:12px;
  font-size:1.15rem;
  letter-spacing:.03em;
  margin:18px 0;
  word-break:break-all;
}

/* ============================================================
   TRUST STRIP — dark forest
   ============================================================ */
.apply-trust{
  position:fixed !important;
  bottom:0 !important;
  left:0 !important;
  right:0 !important;
  padding:16px 24px !important;
  background:var(--forest) !important;
  border-top:1px solid rgba(255,255,255,.06) !important;
  z-index:28 !important;
  box-shadow:0 -6px 20px -10px rgba(0,0,0,.35) !important;
}
.apply-trust-inner{
  max-width:720px !important;
  margin:0 auto !important;
  display:flex !important;
  flex-direction:row !important;
  justify-content:center !important;
  align-items:center !important;
  gap:44px !important;
  flex-wrap:wrap !important;
}
.apply-trust-item{
  display:flex !important;
  flex-direction:row !important;
  align-items:center !important;
  gap:10px !important;
  color:#e5ede7 !important;
  font-family:var(--sans) !important;
  font-size:.88rem !important;
  font-weight:600 !important;
  line-height:1.25 !important;
  text-align:left !important;
}
.apply-trust-item svg{
  width:22px !important;
  height:22px !important;
  min-width:22px !important;
  max-width:22px !important;
  min-height:22px !important;
  max-height:22px !important;
  flex:0 0 22px !important;
  color:#7fb598 !important;
  display:block !important;
}
.apply-trust-item span{
  white-space:nowrap !important;
  font-size:.88rem !important;
  display:inline !important;
}

/* ============================================================
   MOBILE
   ============================================================ */
@media(max-width:640px){
  .apply-shell{padding:12px 10px 90px;min-height:calc(100vh - 60px)}
  .apply-card{border-radius:16px;padding-bottom:18px}
  .apply-progress{height:4px}
  .apply-steps{padding:26px 20px 4px;min-height:auto}
  .apply-step h2{font-size:1.35rem;line-height:1.22;margin-bottom:8px}
  .apply-step .hint{font-size:.88rem;margin-bottom:22px}
  .apply-row{grid-template-columns:1fr;gap:10px;margin-top:16px}
  .apply-field{margin-top:16px}
  .apply-field label{font-size:.82rem;margin-bottom:8px}
  .apply-field input,.apply-field select{padding:13px 14px;border-radius:11px}
  .choices{gap:10px;margin-top:14px}
  .choice{padding:14px;font-size:.94rem;border-radius:12px;gap:12px}
  .choice .icon{width:34px;height:34px;font-size:1rem}
  .apply-btn{padding:14px 20px;font-size:.95rem;margin-top:22px}
  .apply-back{margin-top:16px;font-size:.84rem}
  .review-row{grid-template-columns:1fr;gap:2px;padding:12px 16px;font-size:.88rem}
  .terms-box{max-height:180px;padding:14px;font-size:.82rem}
  .agree{padding:14px;font-size:.86rem}
  .success-check{width:64px;height:64px;font-size:1.8rem;margin-bottom:16px}
  .ref-box{font-size:1rem;padding:14px;margin:14px 0}

  .loading-screen{
    padding:24px 18px !important;
    height:100vh !important;
    height:100dvh !important;
    min-height:-webkit-fill-available !important;
  }
  .loader-badge{font-size:.64rem;padding:6px 14px;margin-bottom:22px}
  .loader-orbit{width:100px;height:100px;margin-bottom:28px}
  .loader-orbit .ring{border-width:3px}
  .loader-orbit .ring-2{inset:16px}
  .loader-orbit .ring-3{inset:32px}
  .loader-orbit .dot{width:16px;height:16px}
  .loader-msg{font-size:1.2rem;max-width:300px}
  .loader-sub{font-size:.9rem;max-width:320px}
  .loader-progress{width:88%;margin-top:30px}
  .loader-progress .track{height:5px}
  .loader-progress .pct{font-size:.85rem}

  .apply-trust{padding:12px 14px !important}
  .apply-trust-inner{gap:18px !important}
  .apply-trust-item{font-size:.72rem !important;gap:7px !important}
  .apply-trust-item svg{
    width:18px !important;height:18px !important;
    min-width:18px !important;max-width:18px !important;
    min-height:18px !important;max-height:18px !important;
    flex:0 0 18px !important;
  }
  .apply-trust-item span{font-size:.72rem !important}
}