:root{--navy:#0B1320;--navy-2:#121C2E;--navy-3:#1B2740;--gold:#FCA311;--gold-dim:#B87500;--white:#FBFAF6;--slate:#9AA3B2;--slate-dark:#4A5568;--ok:#1F9D6B;--err:#C0433A;--font-display:'Poppins',system-ui,sans-serif;--font-body:'Inter',system-ui,sans-serif;}
@media (prefers-reduced-motion:reduce){.form-card::before{animation:none;}}
.form-card-inner{padding:14px 16px 16px;}

.step-meta{display:flex;justify-content:space-between;align-items:baseline;font-size:11.5px;font-weight:600;color:var(--slate-dark);margin-bottom:6px;}
.step-meta #stepName{color:var(--navy);}
.stepper{display:flex;gap:4px;margin-bottom:14px;min-height:4px;}
.step-dot{flex:1;height:4px;border-radius:2px;background:#E9E4D6;transition:background 250ms ease;}
.step-dot .circle,.step-dot .label{display:none;}
.step-dot.active{background:var(--gold);}
.step-dot.done{background:var(--ok);}
.credit-note{font-size:11px;color:var(--ok);text-align:center;font-weight:600;margin:-6px 0 10px;}

.form-step{display:none;}
.form-step.active{display:block;animation:stepIn 260ms ease;}
@keyframes stepIn{0%{opacity:0;transform:translateY(8px);}100%{opacity:1;transform:translateY(0);}}
.form-step h2{font-size:18px;color:var(--navy);margin-bottom:2px;}
.form-step .step-note{font-size:12.5px;color:var(--slate-dark);line-height:1.45;margin:0 0 12px;}

.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 10px;}
.field-grid.cols-3{grid-template-columns:1fr 2fr;}
.field{margin-bottom:12px;min-width:0;}
.field.full{grid-column:1/-1;}
.field label{display:block;font-size:12px;font-weight:600;color:var(--navy);margin-bottom:5px;line-height:1.3;}
.field label .opt{font-weight:400;color:var(--slate);}
.field input,.field select,.elig-field input,.elig-field select{
  display:block;width:100%;min-width:0;height:46px;padding:0 12px;border-radius:10px;border:1px solid #D9D3C3;background:#FBFAF6;
  font-family:var(--font-body);font-size:16px;color:var(--navy);
}
.field select,.elig-field select{-webkit-appearance:none;appearance:none;padding-right:34px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%234A4A4A' stroke-width='1.8' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 13px center;}
.field input:focus,.field select:focus,.elig-field input:focus,.elig-field select:focus{outline:none;border-color:var(--gold);background:#fff;}
.field input.prefilled,.field select.prefilled{border-color:var(--gold);background:#FFF8E6;}
.field input[type=date]{-webkit-appearance:none;appearance:none;text-align:left;}
.address-search-wrap{margin-bottom:12px;position:relative;}
.pac-hint{font-size:11px;color:var(--slate);margin:5px 0 0;}
.pac-container{z-index:2000;font-family:var(--font-body);}
.pac-item{padding:10px 12px;font-size:14px;line-height:1.3;}
.residency-extra{display:none;}
.residency-extra.show{display:grid;}

/* ---------- loan type tiles ---------- */
.type-gate-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;}
.type-gate-btn{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:6px;height:84px;border-radius:14px;border-bottom-left-radius:0;background:linear-gradient(160deg,#FBFAF6 0%,#F1EEE4 100%);border:1px solid #D9D3C3;cursor:pointer;transition:transform 160ms ease,background 200ms ease,border-color 200ms ease;}
.type-gate-btn svg{width:26px;height:26px;stroke:var(--navy);fill:none;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round;}
.type-gate-btn span{font-size:12.5px;font-weight:600;color:var(--navy);}
.type-gate-btn:active,.type-gate-btn.active{transform:scale(0.97);border-color:var(--gold);background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);box-shadow:0 0 0 1px var(--gold),0 0 16px rgba(252,163,17,0.35);}
.type-gate-btn:active svg,.type-gate-btn.active svg{stroke:var(--gold);}
.type-gate-btn:active span,.type-gate-btn.active span{color:var(--white);}

/* ---------- buttons ---------- */
.form-nav{display:flex;align-items:center;gap:8px;margin-top:14px;}
.btn-primary{display:inline-flex;align-items:center;justify-content:center;height:48px;padding:0 22px;border-radius:999px;background:var(--gold);color:var(--navy);font-weight:600;font-size:15px;border:none;cursor:pointer;text-decoration:none;}
.btn-primary:active{background:var(--gold-dim);}
.btn-primary:disabled{opacity:0.5;}
.form-nav .btn-primary{flex:1;}
.btn-text{height:48px;padding:0 12px;background:none;border:none;color:var(--slate-dark);font-weight:600;font-size:14px;cursor:pointer;}
.btn-block{width:100%;}
.btn-ghost{display:flex;align-items:center;justify-content:center;gap:8px;flex:1;height:46px;border-radius:999px;border:1px solid rgba(252,163,17,0.5);color:var(--white);font-size:13.5px;font-weight:600;text-decoration:none;}
.btn-primary.is-loading{pointer-events:none;gap:9px;}
.btn-primary.is-loading::before{content:"";width:14px;height:14px;border:2px solid rgba(0,0,0,0.3);border-top-color:var(--navy);border-radius:50%;animation:btnSpin 700ms linear infinite;}
@keyframes btnSpin{to{transform:rotate(360deg);}}

/* ---------- sliders ---------- */
.slider-field label{display:flex;justify-content:space-between;align-items:baseline;font-size:12px;font-weight:600;color:var(--navy);margin-bottom:2px;}
.slider-field label .val{color:var(--gold-dim);font-weight:700;font-size:14px;}
input[type=range]{-webkit-appearance:none;appearance:none;display:block;width:100%;height:30px;margin:0;background:transparent;}
input[type=range]::-webkit-slider-runnable-track{height:6px;border-radius:3px;background:#E3DDCC;}
input[type=range]::-moz-range-track{height:6px;border-radius:3px;background:#E3DDCC;}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;margin-top:-10px;border-radius:50%;background:var(--gold);border:3px solid #fff;box-shadow:0 0 0 1px var(--gold-dim),0 2px 6px rgba(0,0,0,0.25);}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--gold);border:3px solid #fff;box-shadow:0 0 0 1px var(--gold-dim);}
.slider-range-labels{display:flex;justify-content:space-between;font-size:10px;color:var(--slate);}
.chips{display:flex;gap:6px;margin-top:8px;overflow-x:auto;scrollbar-width:none;}
.chips::-webkit-scrollbar{display:none;}
.chips button{flex:1 0 auto;height:34px;padding:0 12px;border-radius:999px;border:1px solid #D9D3C3;background:#FBFAF6;font-size:12.5px;font-weight:600;color:var(--navy);cursor:pointer;}
.chips button.active{background:var(--navy);border-color:var(--navy);color:var(--gold);}

/* ---------- panels / banners ---------- */
.review-summary{background:#FBFAF6;border:1px solid #E9E4D6;border-radius:12px;padding:14px;margin-bottom:16px;}
.success-panel{text-align:center;padding:14px 0 4px;}
.success-panel .check{width:52px;height:52px;border-radius:50%;background:var(--ok);color:#fff;display:flex;align-items:center;justify-content:center;margin:0 auto 14px;font-size:24px;}
.success-panel h2{font-size:19px;}
.success-panel p{font-size:13.5px;color:var(--slate-dark);margin:8px 0 0;line-height:1.65;}
.prequalified-banner{display:flex;align-items:flex-start;gap:10px;background:#F2FAF5;border:1px solid rgba(63,174,107,0.3);border-radius:14px;border-bottom-left-radius:0;padding:11px 12px;margin-bottom:14px;}
.prequalified-banner .check{width:28px;height:28px;flex:0 0 auto;border-radius:50%;background:var(--ok);color:#fff;display:flex;align-items:center;justify-content:center;font-size:14px;}
.prequalified-banner h2{font-size:14px;margin:0;}
.prequalified-banner p{font-size:12px;color:var(--slate-dark);margin:3px 0 0;line-height:1.5;}
.verifying-panel{display:none;text-align:center;padding:18px 0 4px;}
.verifying-panel.show{display:block;}
.verifying-spinner{width:34px;height:34px;margin:0 auto 14px;border-radius:50%;border:3px solid #E9E4D6;border-top-color:var(--gold);animation:btnSpin 800ms linear infinite;}
.verifying-panel p{font-size:14px;font-weight:600;margin:0 0 12px;}
.phone-verify-code-row{display:none;gap:8px;margin:8px auto 0;max-width:320px;}
.phone-verify-code-row.show{display:flex;}
.phone-verify-code-row input{flex:1 1 auto;min-width:0;height:48px;padding:0 12px;border-radius:10px;border:1px solid #D9D3C3;background:#fff;font-size:20px;letter-spacing:0.3em;text-align:center;color:var(--navy);}
.phone-verify-code-row input:focus{outline:none;border-color:var(--gold);}
.phone-verify-check{flex:0 0 auto;padding:0 18px;font-size:14px;}
.phone-verify-status{font-size:12.5px;margin:8px 0 0;min-height:16px;text-align:center;}
.phone-verify-status.is-success{color:var(--ok);font-weight:600;}
.phone-verify-status.is-error{color:var(--err);}
.form-error{display:none;background:#FBEAE8;border:1px solid rgba(192,67,58,0.35);color:var(--err);font-size:12.5px;padding:10px 12px;border-radius:10px;margin-bottom:12px;line-height:1.55;}
.form-error.show{display:block;}
.form-error a{color:var(--err);font-weight:700;text-decoration:underline;}
.ineligible-panel{display:none;background:#FBEAE8;border:1px solid rgba(192,67,58,0.35);border-radius:10px;padding:12px;margin-bottom:12px;}
.ineligible-panel.show{display:block;}
.ineligible-panel p{font-size:12.5px;color:var(--err);line-height:1.55;margin:0;}

/* ---------- credit rating chips (replaces the gauge dial on phones) ---------- */
.credit-gauge{display:block;margin:0;}
.gauge-svg{display:none;}
.gauge-legend{display:grid;grid-template-columns:1fr 1fr;gap:6px;}
.gauge-legend-item{display:flex;align-items:center;gap:8px;min-height:46px;padding:6px 10px;border:1.5px solid #D9D3C3;border-radius:10px;background:#FBFAF6;cursor:pointer;}
.gauge-legend-item .dot{width:12px;height:12px;border-radius:50%;flex:0 0 auto;}
.gauge-legend-item div{display:flex;flex-direction:column;line-height:1.2;}
.gauge-legend-item b{font-family:var(--font-display);font-size:13px;font-weight:600;color:var(--navy);}
.gauge-legend-item span:not(.dot){display:none;}
.gauge-legend-item.active{background:var(--navy);border-color:var(--navy);}
.gauge-legend-item.active b{color:#fff;}
.gauge-notsure{display:block;width:100%;height:42px;margin-top:6px;background:#FBFAF6;border:1.5px solid #D9D3C3;border-radius:10px;font-size:13px;font-weight:600;color:var(--slate-dark);cursor:pointer;}
.gauge-notsure.active{background:var(--slate-dark);border-color:var(--slate-dark);color:#fff;}
.credit-hint{font-size:11.5px;color:var(--slate-dark);margin:6px 0 0;min-height:15px;}

/* ---------- repayment calculator (single screen) ---------- */
.calc-shell{display:flex;flex-direction:column;background:var(--navy);border-radius:20px;border-bottom-left-radius:0;overflow:hidden;}
.calc-result{background:var(--navy-3);padding:14px 16px 12px;color:#fff;}
.calc-result .eyebrow{color:var(--gold);}
.calc-result .amount{font-family:var(--font-display);font-weight:700;font-size:34px;line-height:1.1;margin:2px 0 0;}
.calc-result .amount span:last-child{font-size:13px;font-weight:500;color:var(--slate);}
.calc-result .breakdown{display:none;}
.comparison-note{font-size:11px;color:var(--slate);text-align:center;margin:10px 0 0;}
.comparison-note b{font-weight:600;}
.calc-controls{padding:12px 16px 14px;}
.icon-select-row{display:grid;grid-template-columns:repeat(6,1fr);gap:6px;margin-bottom:8px;}
.icon-select{position:relative;height:52px;border-radius:10px;background:rgba(252,163,17,0.08);border:1px solid rgba(252,163,17,0.25);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;cursor:pointer;}
.icon-select svg{width:20px;height:20px;stroke:var(--gold);fill:none;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round;}
.icon-select .tooltip{position:static;font-size:9.5px;font-weight:600;color:var(--slate);}
.icon-select.active{background:var(--gold);border-color:var(--gold);}
.icon-select.active svg{stroke:var(--navy);}
.icon-select.active .tooltip{color:var(--navy);}
.calc-field{margin-bottom:4px;}
.calc-controls .slider-field label{color:var(--slate);}
.calc-controls .slider-field label .val{color:var(--gold);}
.calc-controls input[type=range]::-webkit-slider-runnable-track{background:rgba(252,163,17,0.25);}
.calc-controls input[type=range]::-moz-range-track{background:rgba(252,163,17,0.25);}
.calc-controls .slider-range-labels{display:none;}
.calc-controls .btn-primary{margin-top:10px;}
details.fine{margin-top:10px;}
details.fine summary{list-style:none;cursor:pointer;font-size:11.5px;color:var(--slate);text-decoration:underline;padding:4px 0;}
details.fine summary::-webkit-details-marker{display:none;}
.calc-disclaimer,.elig-disclaimer{font-size:10.5px;color:var(--slate);line-height:1.5;margin:6px 0 0;}
.acr-disclaimer{font-size:10px;color:var(--slate);line-height:1.5;margin:6px 0 0;}
.acr-disclaimer a{color:var(--slate);text-decoration:underline;}

/* ---------- borrowing power ---------- */
.elig-shell{background:#F1EEE4;border:1px solid #E3DDCC;border-radius:20px;border-bottom-left-radius:0;padding:14px;}
.elig-field{margin-bottom:10px;min-width:0;}
.elig-field label{display:block;font-size:12px;font-weight:600;margin-bottom:5px;line-height:1.3;}
.elig-field input,.elig-field select{background:#fff;}
.seg{display:grid;grid-template-columns:1fr 1fr;gap:6px;}
.seg button{height:46px;border-radius:10px;border:1px solid #D9D3C3;background:#fff;font-size:13.5px;font-weight:600;color:var(--navy);cursor:pointer;}
.seg button.active{background:var(--navy);border-color:var(--navy);color:var(--gold);}
.spouse-panel{display:none;background:#fff;border:1.5px solid var(--gold);border-radius:14px;border-bottom-left-radius:0;padding:12px;margin-bottom:12px;}
.spouse-panel.show{display:block;animation:stepIn 240ms ease;}
.spouse-panel h3{font-size:14.5px;margin-bottom:2px;}
.spouse-panel p{font-size:12px;color:var(--slate-dark);line-height:1.5;margin:0 0 8px;}
.spouse-panel .modal-actions{display:flex;gap:8px;align-items:center;margin-top:4px;}
.spouse-panel .modal-actions .btn-primary{flex:1;height:44px;font-size:14px;}
.elig-result{display:none;background:var(--navy);border-radius:16px;border-bottom-left-radius:0;padding:14px;margin-top:12px;color:#fff;}
.elig-shell.has-result .elig-result{display:block;animation:stepIn 260ms ease;}
.elig-result .amount{font-family:var(--font-display);font-weight:700;font-size:30px;color:var(--gold);margin:2px 0 8px;}
.elig-result .eyebrow{color:var(--gold);}
.elig-result .breakdown{display:grid;gap:5px;font-size:12px;margin-bottom:12px;}
.elig-result .breakdown div{display:flex;justify-content:space-between;gap:10px;color:var(--slate);border-bottom:1px solid rgba(247,245,239,0.08);padding-bottom:5px;}
.elig-result .breakdown div b{color:#fff;white-space:nowrap;}


  /* ===== one-tap questions (inside the existing steps) ===== */
  [hidden]{display:none !important;}
  .q{margin-bottom:12px;}
  .q-label{display:block;font-size:12.5px;font-weight:600;color:var(--navy);margin-bottom:6px;}
  .choice{display:flex;flex-wrap:wrap;gap:8px;}
  .choice button{flex:1 1 auto;min-height:42px;padding:0 12px;border-radius:10px;border:1.5px solid #D9D3C3;background:#FBFAF6;font-family:var(--font-body);font-size:14px;font-weight:600;color:var(--navy);cursor:pointer;transition:background 160ms ease,border-color 160ms ease,color 160ms ease;}
  .choice button:hover:not(.active){border-color:var(--gold);}
  .choice button.active{background:var(--navy);border-color:var(--navy);color:var(--gold);}
  .asset-row{display:grid;grid-template-columns:1fr 1fr;gap:0 10px;}
  .chips{display:flex;gap:6px;margin-top:8px;flex-wrap:wrap;}
  .chips button{flex:1 0 auto;height:34px;padding:0 12px;border-radius:999px;border:1px solid #D9D3C3;background:#FBFAF6;font-family:var(--font-body);font-size:12.5px;font-weight:600;color:var(--navy);cursor:pointer;}
  .chips button.active{background:var(--navy);border-color:var(--navy);color:var(--gold);}
  .deposit-wrap{margin-top:8px;padding:10px 12px;border:1.5px solid var(--gold);border-radius:12px;border-bottom-left-radius:0;background:#fff;}
  .deposit-wrap label{display:block;font-size:12px;font-weight:600;margin-bottom:5px;}
  .deposit-wrap input{display:block;width:100%;height:44px;padding:0 12px;border-radius:10px;border:1px solid #D9D3C3;background:#FBFAF6;font-family:var(--font-body);font-size:16px;color:var(--navy);}
  .deposit-wrap .chips{margin-top:6px;}
  .check-row{display:flex;align-items:center;gap:12px;padding:12px 14px;border:1.5px solid #D9D3C3;border-radius:10px;background:#FBFAF6;cursor:pointer;font-size:14px;font-weight:600;line-height:1.35;margin:0;color:var(--navy);}
  .field label.check-row{display:flex;align-items:center;gap:12px;padding:12px 14px;border:1.5px solid #D9D3C3;border-radius:10px;background:#FBFAF6;cursor:pointer;font-size:14px;font-weight:600;line-height:1.35;margin:0;color:var(--navy);}
  .field .check-row input[type=checkbox],.check-row input[type=checkbox]{-webkit-appearance:checkbox;appearance:auto;width:24px;height:24px;min-width:24px;padding:0;margin:0;flex:0 0 auto;accent-color:#FCA311;cursor:pointer;}
  .field label.check-row:has(input:checked){border-color:var(--gold);background:#FFF8E6;}

/* ===== layout adaptations for the multi-page site ===== */
.app-wrap{max-width:640px;margin:0 auto;}
.form-card{background:#fff;box-shadow:0 30px 70px -20px rgba(11,19,32,.35);border-radius:26px;border-bottom-left-radius:4px;}
.form-card-inner{padding:22px 22px 24px;}
@media(min-width:700px){.form-card-inner{padding:30px 34px 32px;}.form-step h2{font-size:22px;}.form-step .step-note{font-size:14px;}.field label{font-size:13px;}.field input,.field select,.elig-field input,.elig-field select{height:50px;}.type-gate-grid{gap:12px;}.type-gate-btn{height:104px;}.type-gate-btn span{font-size:14px;}.choice button{min-height:46px;font-size:15px;}}
.calc-shell,.elig-shell{max-width:760px;margin:0 auto;}
.calc-shell{border-radius:26px;border-bottom-left-radius:4px;}
.calc-controls{padding:18px 20px 20px;}
.calc-result{padding:20px 22px 16px;}
@media(min-width:700px){.calc-shell{flex-direction:row-reverse;}.calc-result{flex:0 0 40%;display:flex;flex-direction:column;justify-content:center;}.calc-controls{flex:1;padding:26px;}.calc-result .amount{font-size:44px;}}
.elig-shell{border-radius:26px;border-bottom-left-radius:4px;padding:22px;background:#fff;border:1px solid #E7E2D3;box-shadow:0 20px 50px -30px rgba(11,19,32,.3);}
.app-note{font-size:13px;color:var(--slate-dark);text-align:center;margin-top:16px;line-height:1.6;}
.credit-note{background:#E8F6EF;border-radius:999px;padding:7px 12px;margin:-4px 0 14px;}
.sec-head p{color:var(--muted)}
.sec-head.center{max-width:760px}

/* ===== v3 restyle to match the Swan Loans site ===== */
.form-card{border-radius:30px;border-bottom-left-radius:8px;border:1px solid #E6E0FA;box-shadow:0 40px 80px -36px rgba(60,30,190,.45);position:relative;overflow:hidden}
.form-card::after{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:linear-gradient(90deg,#FCA311,#FF5E9C,#6D4AFF,#38BDF8)}
.step-meta{color:#6B6592;font-family:var(--font-display);letter-spacing:.02em}.step-meta #stepName{color:#0B1320}
.step-dot{background:#E9E4FA}.step-dot.active{background:linear-gradient(90deg,#FCA311,#FF9A3C)}.step-dot.done{background:#2DD4A8}
.credit-note{background:#E3F8F1;color:#0F7F63;border-radius:999px;padding:9px 14px;font-size:12px;margin:-4px 0 14px}
.form-step h2{font-family:var(--font-display);color:#0B1320;letter-spacing:-.01em}
.form-step .step-note,.field label,.q-label{color:#5B6679}
.field input,.field select,.elig-field input,.elig-field select{border-radius:14px;border:1.5px solid #DDD6F7;background-color:#fff;transition:border-color .2s,box-shadow .2s}
.field input:focus,.field select:focus,.elig-field input:focus,.elig-field select:focus{border-color:#6D4AFF;box-shadow:0 0 0 4px rgba(109,74,255,.15);outline:none}
.type-gate-btn{border-radius:20px;border-bottom-left-radius:6px;border:1.5px solid transparent;background:var(--tile,#F3F0FF);transition:transform .25s ease,box-shadow .25s ease,border-color .25s}
.type-gate-btn svg{stroke:var(--tint,#5B3FE0);transition:transform .35s}.type-gate-btn span{color:#0B1320}
.type-gate-btn:hover{transform:translateY(-3px);box-shadow:0 16px 30px -16px var(--tint,#5B3FE0)}.type-gate-btn:hover svg{transform:scale(1.12) rotate(-4deg)}
.type-gate-grid .type-gate-btn:nth-child(6n+1){--tile:#FFF0CC;--tint:#C98000}.type-gate-grid .type-gate-btn:nth-child(6n+2){--tile:#ECE6FF;--tint:#5B3FE0}.type-gate-grid .type-gate-btn:nth-child(6n+3){--tile:#DCF7EE;--tint:#0F8F70}.type-gate-grid .type-gate-btn:nth-child(6n+4){--tile:#DDF2FF;--tint:#0B7FC0}.type-gate-grid .type-gate-btn:nth-child(6n+5){--tile:#FFE6E0;--tint:#E2432E}.type-gate-grid .type-gate-btn:nth-child(6n+6){--tile:#FFE3EE;--tint:#D6297A}
.type-gate-btn:active,.type-gate-btn.active{transform:scale(.97);border-color:var(--tint);background:linear-gradient(135deg,#4A2BC2,#6D4AFF);box-shadow:0 14px 30px -14px rgba(74,43,194,.7)}
.type-gate-btn:active svg,.type-gate-btn.active svg{stroke:#fff}.type-gate-btn:active span,.type-gate-btn.active span{color:#fff}
.choice button,.chips button,.seg button{border-radius:14px;border:1.5px solid #DDD6F7;background:#fff;color:#0B1320;transition:background .2s,border-color .2s,color .2s,transform .2s}
.chips button{border-radius:999px}
.choice button:hover:not(.active),.chips button:hover:not(.active),.seg button:hover:not(.active){border-color:#6D4AFF;background:#F6F3FF}
.choice button.active,.chips button.active,.seg button.active{background:linear-gradient(135deg,#4A2BC2,#6D4AFF);border-color:#4A2BC2;color:#fff}
.gauge-legend-item{border-radius:16px;border:1.5px solid #DDD6F7;background:#fff;transition:border-color .2s,background .2s,transform .2s}.gauge-legend-item:hover{border-color:#6D4AFF}.gauge-legend-item.active{border-color:#6D4AFF;background:#F4F0FF}
.gauge-notsure{border-radius:999px}
.btn-primary{border-radius:999px;border-bottom-left-radius:6px;background:#FCA311;color:#0B1320;font-family:var(--font-display);font-weight:600;box-shadow:0 14px 30px -14px rgba(252,163,17,.75);transition:transform .25s,box-shadow .25s}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 20px 36px -14px rgba(252,163,17,.85)}
.btn-text{color:#5B6679;font-family:var(--font-display);font-weight:600}.btn-text:hover{color:#6D4AFF}
.icon-select{background:#F4F0FF;border:1.5px solid #DDD6F7;border-radius:14px}.icon-select.active{background:#ECE6FF;border-color:#6D4AFF}
.success-panel .check,.prequalified-banner .check{background:#2DD4A8}
.app-note{color:#5B6679}
.apply-page{background:linear-gradient(180deg,#0B1320 0,#150F46 330px,#F4F1FF 330px)}
.apply-top{position:relative}.apply-top::before{content:"";position:absolute;width:420px;height:420px;border-radius:50%;background:#6D4AFF;filter:blur(90px);opacity:.35;right:-80px;top:-160px;pointer-events:none}
.apply-top::after{content:"";position:absolute;width:320px;height:320px;border-radius:50%;background:#FF5E9C;filter:blur(90px);opacity:.18;left:-60px;top:20px;pointer-events:none}
.apply-top>*{position:relative}
.calc-shell,.elig-shell{border-radius:30px;border-bottom-left-radius:8px;border:1px solid #E6E0FA}
.calc-result,.elig-result{background:linear-gradient(150deg,#1B1470,#4A2BC2 65%,#0E8AAE)}
.calc-controls input[type=range]::-webkit-slider-runnable-track{background:#E4DEFA}

/* ===== form: match latest palette ===== */
:root{--gold:#6D4AFF;--gold-dim:#5B3BEA}
.form-card::after{background:linear-gradient(90deg,#6D4AFF,#FF5E9C,#38BDF8)}
.step-dot.active{background:linear-gradient(90deg,#6D4AFF,#A64DE0)}
.btn-primary{background:linear-gradient(135deg,#6D4AFF 0,#A64DE0 100%);color:#fff;box-shadow:0 14px 30px -14px rgba(109,74,255,.7)}
.btn-primary:hover{box-shadow:0 20px 36px -14px rgba(109,74,255,.85)}.btn-primary:active{background:#5B3BEA}
.type-gate-grid .type-gate-btn:nth-child(6n+1){--tile:#DDF2FF;--tint:#0B7FC0}.type-gate-grid .type-gate-btn:nth-child(6n+6){--tile:#FFE3EE;--tint:#D6297A}
.field input.prefilled,.field select.prefilled,.field label.check-row:has(input:checked){background:#F4F0FF;border-color:#6D4AFF}
.type-gate-btn:active,.type-gate-btn.active{box-shadow:0 14px 30px -14px rgba(74,43,194,.7)}
.elig-result .amount,.elig-result .eyebrow,.calc-result .eyebrow{color:#2DD4A8}
.calc-result,.elig-result{background:linear-gradient(150deg,#1A1466,#3A28A8 65%,#10749A)}
.spouse-panel,.deposit-wrap{border-color:#6D4AFF}
.slider-field label .val{color:#5B3BEA}
.verifying-spinner{border-top-color:#6D4AFF}

.apply-top .eyebrow{color:#2DD4A8}
.type-gate-grid .type-gate-btn:nth-child(6n+1){--tile:#E3E8FF!important;--tint:#3B4FD8!important}

/* ===== playful form effects ===== */
.fx-slider{position:relative;padding-top:36px}
.fx-slider label{position:absolute;left:0;right:0;top:0;margin:0}
input[type=range]{height:34px}
input[type=range]::-webkit-slider-runnable-track{height:12px;border-radius:12px;background:linear-gradient(90deg,#6D4AFF,#B04FE0 40%,#FF5E9C 72%,#FFA34D) 0 0/var(--p,0%) 100% no-repeat,#E4DEFA;box-shadow:inset 0 1px 3px rgba(60,30,190,.18)}
input[type=range]::-moz-range-track{height:12px;border-radius:12px;background:linear-gradient(90deg,#6D4AFF,#B04FE0 40%,#FF5E9C 72%,#FFA34D) 0 0/var(--p,0%) 100% no-repeat,#E4DEFA;box-shadow:inset 0 1px 3px rgba(60,30,190,.18)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:30px;height:30px;margin-top:-9px;border-radius:50%;background:#fff;border:0;box-shadow:0 0 0 5px hsl(calc(260 + var(--hue,0)) 90% 62%),0 6px 16px rgba(109,74,255,.5);transition:transform .2s,box-shadow .2s}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:#fff;border:0;box-shadow:0 0 0 5px hsl(calc(260 + var(--hue,0)) 90% 62%),0 6px 16px rgba(109,74,255,.5);transition:transform .2s}
.fx-slider.dragging input[type=range]::-webkit-slider-thumb{transform:scale(1.22);box-shadow:0 0 0 7px hsl(calc(260 + var(--hue,0)) 90% 62%),0 10px 26px rgba(255,94,156,.55)}
.fx-slider.dragging input[type=range]::-moz-range-thumb{transform:scale(1.22)}
.fx-tip{position:absolute;top:30px;transform:translate(-50%,-6px) scale(.85);padding:4px 10px;border-radius:999px;background:linear-gradient(135deg,#6D4AFF,#C14FD8);color:#fff;font:700 12px var(--font-display,system-ui);white-space:nowrap;pointer-events:none;opacity:0;transition:opacity .2s,transform .2s;z-index:2;box-shadow:0 8px 18px -8px rgba(109,74,255,.8)}
.fx-tip::after{content:"";position:absolute;left:50%;bottom:-4px;width:8px;height:8px;background:#C14FD8;transform:translateX(-50%) rotate(45deg);border-radius:2px}
.fx-slider.dragging .fx-tip{opacity:1;transform:translate(-50%,-14px) scale(1)}
.slider-field label .val{display:inline-block;font-size:18px;font-weight:700;background:linear-gradient(90deg,#6D4AFF,#FF5E9C);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent}
.slider-field label .val.bump{animation:valbump .35s cubic-bezier(.3,1.6,.5,1)}
@keyframes valbump{0%{transform:scale(1)}40%{transform:scale(1.22)}100%{transform:scale(1)}}
.calc-controls .slider-field label .val{background:none;-webkit-text-fill-color:#fff;color:#fff}
.form-step.active{animation:stepIn .45s cubic-bezier(.2,.8,.2,1)}
@keyframes stepIn{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.step-dot{transition:background .4s,transform .3s}.step-dot.pop{animation:dotpop .5s cubic-bezier(.3,1.6,.5,1)}
@keyframes dotpop{0%{transform:scaleY(1)}40%{transform:scaleY(2.2)}100%{transform:scaleY(1)}}
.step-dot.active{background-size:200% 100%;animation:dotflow 2.4s linear infinite}
@keyframes dotflow{to{background-position:200% 0}}
.btn-primary{position:relative;overflow:hidden}
.btn-primary:not(:disabled){background:linear-gradient(110deg,#6D4AFF 0,#A64DE0 45%,#FF5E9C 100%);background-size:200% 100%;animation:btnflow 5s ease-in-out infinite}
@keyframes btnflow{0%,100%{background-position:0 0}50%{background-position:100% 0}}
.fx-rip{position:absolute;border-radius:50%;background:rgba(255,255,255,.45);transform:scale(0);animation:rip .65s ease-out forwards;pointer-events:none}
@keyframes rip{to{transform:scale(1);opacity:0}}
.fx-spark,.fx-conf{position:fixed;z-index:9999;pointer-events:none;width:7px;height:7px;border-radius:50%;background:hsl(calc(var(--h,260)),90%,62%);animation:spark 1s ease-out forwards}
.fx-conf{width:9px;height:14px;border-radius:2px;animation:conf 1.3s cubic-bezier(.2,.7,.4,1) forwards}
@keyframes spark{from{transform:translate(0,0) scale(1);opacity:1}to{transform:translate(var(--dx),var(--dy)) scale(.2);opacity:0}}
@keyframes conf{0%{transform:translate(0,0) rotate(0);opacity:1}100%{transform:translate(var(--dx),calc(var(--dy) + 160px)) rotate(540deg);opacity:0}}
.success-panel .check,.prequalified-banner .check{animation:checkpop .7s cubic-bezier(.3,1.6,.5,1)}
@keyframes checkpop{0%{transform:scale(0) rotate(-30deg)}100%{transform:none}}
@media(prefers-reduced-motion:reduce){.btn-primary:not(:disabled),.step-dot.active,.form-step.active{animation:none}.fx-spark,.fx-conf{display:none}}