:root{
  --ink:#0a0a0a;
  --ink-2:#3d3d3d;
  --muted:#707070;
  --line:#e2e2e2;
  --line-2:#cfcfcf;
  --bg:#ffffff;
  --panel:#f5f5f4;
  --bad:#b42318;
  --bad-bg:#fef3f2;
  --good:#067647;
  --good-bg:#ecfdf3;
  --sans:"Inter",-apple-system,"Segoe UI",Roboto,sans-serif;
  --wrap:760px;
}
*{box-sizing:border-box}
[hidden]{display:none !important}
html,body{margin:0;padding:0}
body{background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.5;-webkit-font-smoothing:antialiased}
a{color:var(--ink)}
button,input,select,textarea{font:inherit;color:inherit}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 16px}

/* ---------- chrome ---------- */
.top{background:var(--ink);color:#fff}
.top-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;height:60px}
.top img{height:26px;display:block}
.top .meta{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:#bdbdbd;text-align:right}
.bar{position:sticky;top:0;z-index:30;background:#fff;border-bottom:1px solid var(--line)}
.bar-inner{display:flex;align-items:center;gap:12px;height:48px}
.bar-track{flex:1;height:4px;background:var(--line)}
.bar-fill{height:4px;background:var(--ink);width:0;transition:width .3s ease}
.bar-label{font-size:12px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;white-space:nowrap}
.bar-steps{display:flex;gap:4px;overflow-x:auto;scrollbar-width:none;padding:0 0 10px}
.bar-steps::-webkit-scrollbar{display:none}
.chip{flex:none;border:1px solid var(--line-2);background:#fff;padding:6px 10px;font-size:12px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;cursor:pointer;color:var(--muted)}
.chip.done{color:var(--ink);border-color:var(--ink)}
.chip.active{background:var(--ink);color:#fff;border-color:var(--ink)}
.chip:disabled{cursor:not-allowed;opacity:.5}

main{padding:32px 0 96px}
.eyebrow{font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin:0 0 10px}
h1{font-size:clamp(30px,7vw,44px);line-height:1.05;letter-spacing:-.02em;margin:0 0 14px;font-weight:800}
h2{font-size:clamp(24px,5vw,32px);line-height:1.1;letter-spacing:-.015em;margin:0 0 10px;font-weight:800}
h3{font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;margin:32px 0 12px;padding-top:20px;border-top:2px solid var(--ink)}
.lede{color:var(--ink-2);font-size:17px;margin:0 0 24px;max-width:60ch}
.small{font-size:13px;color:var(--muted)}
.note{background:var(--panel);border-left:3px solid var(--ink);padding:12px 14px;font-size:14px;margin:16px 0}
.note.warn{border-left-color:var(--bad);background:var(--bad-bg)}

.hero{position:relative;height:220px;background:#222 center/cover no-repeat;margin:0 0 28px}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,0,0,0) 40%,rgba(0,0,0,.55))}

/* ---------- terms ---------- */
.terms{display:grid;grid-template-columns:repeat(2,1fr);border-top:1px solid var(--ink);margin:8px 0 24px}
.term{padding:14px 12px 14px 0;border-bottom:1px solid var(--line)}
.term b{display:block;font-size:24px;font-weight:800;letter-spacing:-.01em;line-height:1.1}
.term span{font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;font-weight:600}
@media (min-width:640px){.terms{grid-template-columns:repeat(3,1fr)}}
.checklist{list-style:none;padding:0;margin:0 0 8px}
.checklist li{padding:10px 0 10px 28px;border-bottom:1px solid var(--line);position:relative;font-size:15px}
.checklist li::before{content:"";position:absolute;left:0;top:15px;width:12px;height:12px;border:2px solid var(--ink)}

/* ---------- forms ---------- */
.grid{display:grid;grid-template-columns:1fr;gap:14px}
@media (min-width:640px){.grid.two{grid-template-columns:1fr 1fr}.grid.three{grid-template-columns:2fr 1fr 1fr}}
.field{display:flex;flex-direction:column;gap:6px;min-width:0}
.field>span{font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-2)}
.field>span em{font-style:normal;color:var(--bad)}
.field small{font-size:12.5px;color:var(--muted)}
input[type=text],input[type=email],input[type=tel],input[type=date],input[type=month],input[type=number],input[type=password],select,textarea{
  width:100%;border:1px solid var(--line-2);background:#fff;border-radius:0;padding:12px;font-size:16px;min-height:48px;appearance:none;-webkit-appearance:none
}
select{background-image:linear-gradient(45deg,transparent 50%,var(--ink) 50%),linear-gradient(135deg,var(--ink) 50%,transparent 50%);background-position:calc(100% - 18px) 21px,calc(100% - 13px) 21px;background-size:5px 5px;background-repeat:no-repeat;padding-right:36px}
textarea{min-height:90px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:2px solid var(--ink);outline-offset:-1px;border-color:var(--ink)}
.invalid{border-color:var(--bad) !important;background:var(--bad-bg) !important}
.choices{display:flex;flex-wrap:wrap;gap:8px}
.choice{position:relative}
.choice input{position:absolute;opacity:0;inset:0;cursor:pointer}
.choice label{display:inline-flex;align-items:center;min-height:44px;padding:10px 14px;border:1px solid var(--line-2);font-size:15px;cursor:pointer;background:#fff}
.choice input:checked+label{background:var(--ink);color:#fff;border-color:var(--ink)}
.choice input:focus-visible+label{outline:2px solid var(--ink);outline-offset:2px}
.check{display:flex;gap:12px;align-items:flex-start;padding:12px 0;font-size:15px;cursor:pointer}
.check input{width:22px;height:22px;flex:none;margin:1px 0 0;accent-color:var(--ink)}
.question{padding:14px 0;border-bottom:1px solid var(--line)}
.question p{margin:0 0 10px;font-size:15px}

.repeat{border:1px solid var(--line-2);padding:14px;margin:0 0 12px;background:#fff}
.repeat-head{display:flex;justify-content:space-between;align-items:center;margin:0 0 12px}
.repeat-head b{font-size:13px;letter-spacing:.08em;text-transform:uppercase}
.link-btn{background:none;border:0;padding:6px 0;text-decoration:underline;cursor:pointer;font-size:14px;color:var(--ink-2)}

/* ---------- buttons ---------- */
.actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin-top:28px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:14px 22px;border:2px solid var(--ink);background:var(--ink);color:#fff;font-weight:700;font-size:15px;letter-spacing:.04em;text-transform:uppercase;cursor:pointer;text-decoration:none;border-radius:0}
.btn:hover{background:#262626}
.btn:disabled{background:var(--line);border-color:var(--line);color:var(--muted);cursor:not-allowed}
.btn.ghost{background:#fff;color:var(--ink)}
.btn.ghost:hover{background:var(--panel)}
.btn.block{width:100%}
@media (max-width:639px){.actions .btn{flex:1 1 100%}}
.error{background:var(--bad-bg);color:var(--bad);border-left:3px solid var(--bad);padding:12px 14px;font-size:14.5px;margin:18px 0 0}
.error ul{margin:6px 0 0;padding-left:18px}
.saved{color:var(--good);font-size:14px;font-weight:600}

/* ---------- uploads ---------- */
.upload{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:14px 0;border-bottom:1px solid var(--line)}
.upload .name{font-weight:700;font-size:15px}
.upload .file{font-size:13px;color:var(--muted);word-break:break-all}
.upload .ok{color:var(--good);font-weight:700}
.upload label.btn{min-height:44px;padding:10px 14px;font-size:13px}
.upload input[type=file]{display:none}

/* ---------- documents ---------- */
.doc{border:1px solid var(--line-2);padding:20px 18px;max-height:60vh;overflow-y:auto;background:#fff;font-size:14.5px}
.doc h4{font-size:12.5px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin:22px 0 8px}
.doc h4:first-child{margin-top:0}
.doc p{margin:0 0 10px}
.doc ul{margin:0 0 10px;padding-left:20px}
.doc hr{border:0;border-top:1px solid var(--line);margin:16px 0}
.doc-status{font-size:13px;color:var(--muted);margin-top:8px}
.doc-status.ok{color:var(--good);font-weight:600}
details.review{border:1px solid var(--line-2);margin:0 0 10px;background:#fff}
details.review summary{list-style:none;cursor:pointer;padding:14px 16px;display:flex;gap:12px;align-items:center;justify-content:space-between;font-weight:700;font-size:15px}
details.review summary::-webkit-details-marker{display:none}
details.review summary .state{font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);white-space:nowrap}
details.review summary .state.ok{color:var(--good)}
details.review .body{padding:0 16px 16px}
details.review .doc{max-height:40vh}

/* ---------- signature ---------- */
.sigbox{position:relative;border:2px solid var(--ink);background:#fff;height:180px;touch-action:none}
.sigbox canvas{position:absolute;inset:0;width:100%;height:100%;cursor:crosshair}
.sigbox .baseline{position:absolute;left:16px;right:16px;bottom:44px;border-bottom:1px solid var(--line-2);pointer-events:none}
.sigbox .hint{position:absolute;left:16px;bottom:18px;font-size:12px;color:var(--muted);letter-spacing:.06em;text-transform:uppercase;pointer-events:none}
.sigbox .clear{position:absolute;right:8px;top:8px;background:#fff;border:1px solid var(--line-2);padding:6px 10px;font-size:12px;font-weight:700;text-transform:uppercase;cursor:pointer}

.loading{min-height:60vh;display:flex;align-items:center;justify-content:center;color:var(--muted);font-size:14px;letter-spacing:.08em;text-transform:uppercase}
.overlay{position:fixed;inset:0;background:rgba(255,255,255,.92);z-index:100;display:flex;flex-direction:column;gap:12px;align-items:center;justify-content:center;text-align:center;padding:24px;font-weight:700}
.overlay .spin{width:36px;height:36px;border:3px solid var(--line);border-top-color:var(--ink);border-radius:50%;animation:spin .8s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.foot{border-top:1px solid var(--line);padding:20px 0 40px;font-size:13px;color:var(--muted)}
.foot a{color:var(--ink-2)}
.next{list-style:none;padding:0;margin:0;counter-reset:n}
.next li{counter-increment:n;padding:16px 0 16px 48px;border-bottom:1px solid var(--line);position:relative}
.next li::before{content:counter(n,decimal-leading-zero);position:absolute;left:0;top:14px;font-size:22px;font-weight:800}
.next b{display:block}

/* Rate confirmation: the load at a glance, and the document itself in the page. */
.facts{list-style:none;padding:0;margin:0 0 8px}
.facts li{padding:12px 0;border-bottom:1px solid var(--line);font-size:15px;display:flex;gap:16px;align-items:baseline}
.facts b{flex:0 0 116px;font-weight:600;color:var(--muted);font-size:13px;text-transform:uppercase;letter-spacing:.04em}
.pdfbox{border:1px solid var(--line);background:#fff;height:62vh;min-height:360px}
.pdfbox iframe{width:100%;height:100%;border:0;display:block}
@media (max-width:640px){
  .facts li{flex-direction:column;gap:2px}
  .facts b{flex:none}
  .pdfbox{height:52vh;min-height:300px}
}