:root{--navy: #171c23;--navy-soft: #0a58c2;--teal: #0d6ee0;--teal-dark: #0a58c2;--ink: #1c2430;--muted: #5b6b7c;--line: #dbe3ec;--bg: #ffffff;--card-hover: #f2f7fd;--red: #d63c3c;--radius: 10px}*{box-sizing:border-box}html,body{margin:0;padding:0;background:var(--bg);color:var(--ink);font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif;-webkit-font-smoothing:antialiased}.shell{max-width:900px;margin:0 auto;padding:8px 16px 20px;min-width:300px}html.standalone .shell{min-height:100dvh;display:flex;flex-direction:column;justify-content:center;padding-bottom:6vh;box-sizing:border-box}.brandbar{display:flex;justify-content:center;padding:10px 0 4px}.topbar{display:flex;align-items:center;gap:12px;padding:6px 0 16px}.back{background:none;border:none;color:var(--navy);cursor:pointer;padding:8px;border-radius:8px;display:flex}.back:hover{background:var(--card-hover)}.back-spacer{width:38px;flex-shrink:0}.progress-wrap{flex:1;max-width:420px;margin:0 auto;text-align:center}.progress-label{display:block;font-size:.78rem;font-weight:600;color:var(--muted);margin-bottom:6px;letter-spacing:.02em}.progress-track{height:8px;border-radius:999px;background:var(--line);overflow:hidden}.progress-fill{height:100%;border-radius:999px;background:linear-gradient(90deg,var(--teal),var(--teal-dark));transition:width .35s ease}.card{background:var(--bg);border:1px solid var(--line);border-radius:16px;padding:28px 32px;max-width:640px;width:100%;margin:0 auto;display:flex;flex-direction:column}h1{color:var(--navy);font-size:1.7rem;line-height:1.2;margin:0 0 14px;letter-spacing:.01em}h2{color:var(--navy);font-size:1.35rem;line-height:1.3;margin:0 0 10px;text-align:center}.subline{color:var(--muted);font-size:.95rem;text-align:center;margin:0 0 22px}h2:last-of-type:not(:has(+.subline)){margin-bottom:22px}.intro{max-width:860px;display:grid;grid-template-columns:1fr 1.2fr;gap:36px;align-items:start}.intro-left p{color:var(--muted);line-height:1.55}.trust-line{color:var(--navy)!important;font-weight:600;font-size:.9rem;border-top:1px solid var(--line);padding-top:14px}.tick{color:var(--teal);margin-right:4px}.intro-right h2{text-align:left;margin-bottom:18px}.option-grid{display:grid;gap:12px;margin-bottom:8px}.cols-1{grid-template-columns:1fr}.cols-2{grid-template-columns:repeat(2,1fr)}.cols-3{grid-template-columns:repeat(3,1fr)}.option-card{border:1.5px solid var(--line);border-radius:var(--radius);background:var(--bg);color:var(--ink);font-size:1rem;font-weight:500;padding:16px 18px;min-height:56px;cursor:pointer;text-align:left;display:flex;align-items:center;gap:12px;transition:border-color .15s ease,background .15s ease,transform .15s ease}.option-card:hover{border-color:var(--teal);background:var(--card-hover);transform:translateY(-1px)}.option-card.selected{border-color:var(--teal);background:var(--card-hover);box-shadow:0 0 0 1px var(--teal)}.icon-card{flex-direction:column;align-items:flex-start;gap:10px;padding:18px}.icon-card .icon{color:var(--teal);display:flex}.check-card .checkbox{width:22px;height:22px;flex-shrink:0;border:1.5px solid var(--line);border-radius:6px;display:inline-flex;align-items:center;justify-content:center;font-size:.85rem;color:#fff}.check-card.selected .checkbox{background:var(--teal);border-color:var(--teal)}.tile{flex-direction:column;justify-content:center;align-items:center;text-align:center;font-size:.85rem;padding:12px 8px;gap:8px}.lender-logo{width:28px;height:28px;object-fit:contain;border-radius:6px}.lender-grid{margin-top:16px}.input-wrap{position:relative;display:flex;align-items:center;margin-bottom:8px}.input-wrap input{width:100%;font-size:1.15rem;padding:14px 16px;border:1.5px solid var(--line);border-radius:var(--radius);outline:none;color:var(--ink)}.input-wrap input:focus{border-color:var(--teal)}.input-wrap .prefix{position:absolute;left:16px;color:var(--muted);font-size:1.15rem;pointer-events:none}.input-wrap .prefix+input{padding-left:34px}.input-wrap .suffix{position:absolute;right:16px;color:var(--muted);font-size:1.15rem;pointer-events:none}.insight{background:#eef5fd;border:1px solid #cfe2f7;border-radius:var(--radius);padding:14px 16px;margin-top:10px;display:flex;flex-direction:column;gap:5px;font-size:.92rem;color:var(--navy);line-height:1.45}.insight strong{color:var(--teal-dark)}.insight em{font-style:normal;font-size:.78rem;color:var(--muted)}.next{margin-top:18px;background:var(--teal);color:#fff;border:none;border-radius:var(--radius);font-size:1.05rem;font-weight:600;padding:15px 24px;cursor:pointer;transition:background .15s ease}.next:hover:not(:disabled){background:var(--navy-soft)}.next:disabled{background:#c6cfd9;cursor:not-allowed}.ghost{margin-top:12px;background:none;border:1.5px solid var(--teal);color:var(--teal-dark);border-radius:var(--radius);font-size:1rem;font-weight:600;padding:13px 24px;cursor:pointer;transition:background .15s ease}.ghost:hover{background:var(--card-hover)}.trust-box{background:#eef5fd;border:1px solid #cfe2f7;border-radius:var(--radius);padding:14px 16px;margin:8px 0 20px;display:flex;flex-direction:column;gap:6px;font-size:.9rem;color:var(--navy);font-weight:500}.field{margin-bottom:14px}.field label{display:block;font-size:.85rem;font-weight:600;color:var(--navy);margin-bottom:6px}.field input{width:100%;font-size:1rem;padding:13px 14px;border:1.5px solid var(--line);border-radius:var(--radius);outline:none}.field input:focus{border-color:var(--teal)}.field input.invalid{border-color:var(--red)}.error{color:var(--red);font-size:.82rem;margin:6px 0 0}.hp{position:absolute;left:-9999px;top:-9999px;height:0;overflow:hidden;opacity:0;pointer-events:none}.checkbox-row{display:flex;gap:10px;align-items:flex-start;font-size:.88rem;color:var(--muted);line-height:1.45;margin-top:12px;cursor:pointer}.checkbox-row input{margin-top:2px;width:18px;height:18px;accent-color:var(--teal);flex-shrink:0}.checkbox-row a{color:var(--teal-dark)}.thanks{text-align:center;padding:56px 28px;margin-top:40px}.thanks-badge{width:56px;height:56px;border-radius:50%;background:var(--teal);color:#fff;font-size:1.6rem;display:flex;align-items:center;justify-content:center;margin:0 auto 20px}.thanks h1{font-size:1.45rem}.thanks p{color:var(--muted)}@media (max-width: 640px){.shell{padding:8px 10px 32px}.card{padding:24px 16px;border:none}.intro{grid-template-columns:1fr;gap:20px}.cols-3{grid-template-columns:repeat(2,1fr)}h1{font-size:1.45rem}h2{font-size:1.2rem}}@media (max-width: 360px){.cols-2{grid-template-columns:1fr}}