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spin}.stagger>:first-child{animation-delay:0s}.stagger>:nth-child(2){animation-delay:80ms}.stagger>:nth-child(3){animation-delay:.16s}.stagger>:nth-child(4){animation-delay:.24s}.stagger>:nth-child(5){animation-delay:.32s}.stagger>:nth-child(6){animation-delay:.4s}.transition-base{transition:all var(--duration-base) var(--ease-out)}.transition-slow{transition:all var(--duration-slow) var(--ease-spring)}.transition-colors{transition:color var(--duration-base) var(--ease-out), background-color var(--duration-base) var(--ease-out), border-color var(--duration-base) var(--ease-out)}.transition-transform{transition:transform var(--duration-base) var(--ease-spring)}.hover-lift{transition:transform var(--duration-base) var(--ease-spring), box-shadow var(--duration-base) var(--ease-out)}.hover-lift:hover{box-shadow:var(--shadow-xl);transform:translateY(-3px)}.shimmer-gold{background:linear-gradient(90deg, var(--color-gold-accent) 0%, var(--color-gold-light) 40%, var(--color-gold-accent) 60%, var(--color-gold-light) 100%);-webkit-text-fill-color:transparent;background-size:200%;-webkit-background-clip:text;background-clip:text;animation:3s linear infinite goldShimmer}@media (prefers-reduced-motion:reduce){*,:before,:after{transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}.btn{justify-content:center;align-items:center;gap:var(--space-2);height:var(--btn-height-lg);padding-inline:var(--space-6);font-family:var(--font-body);font-size:var(--text-base);font-weight:var(--font-semibold);letter-spacing:var(--tracking-wide);cursor:pointer;transition:transform var(--duration-base) var(--ease-spring), box-shadow var(--duration-base) var(--ease-out), background var(--duration-base) var(--ease-out), opacity var(--duration-base) var(--ease-out);white-space:nowrap;-webkit-user-select:none;user-select:none;border:none;border-radius:10px;display:inline-flex;position:relative;overflow:hidden}.btn-gold{background:var(--gradient-gold);color:var(--color-navy-primary);box-shadow:var(--shadow-gold-sm)}.bg-gold{background:var(--gradient-gold)}.btn-gold:hover:not(:disabled){box-shadow:var(--shadow-gold-md);transform:translateY(-2px)}.btn-gold:active:not(:disabled){box-shadow:var(--shadow-gold-sm);transform:translateY(0)}.btn-ghost{color:var(--color-white);border:1px solid var(--color-white-40);background:0 0}.btn-ghost:hover:not(:disabled){border-color:var(--color-gold-accent);color:var(--color-gold-accent);background:var(--color-gold-subtle)}.btn-ghost-gold{color:var(--color-gold-accent);border:var(--border-gold);background:0 0}.btn-ghost-gold:hover:not(:disabled){background:var(--color-gold-subtle);box-shadow:var(--shadow-gold-sm)}.btn-link-gold{color:var(--color-gold-accent);background:0 0;border:none;padding-inline:0}.btn-link-gold:hover:not(:disabled){color:var(--color-gold-light,var(--color-gold-accent));opacity:.85}.btn-navy{background:var(--color-navy-surface);color:var(--color-white);border:var(--border-default)}.btn-navy:hover:not(:disabled){background:var(--color-navy-elevated);border-color:var(--color-gold-accent)}.btn-sm{height:var(--btn-height-sm);padding-inline:var(--space-4);font-size:var(--text-sm)}.btn-md{height:var(--btn-height-md);padding-inline:var(--space-5)}.btn-xl{height:var(--btn-height-xl);padding-inline:var(--space-8);font-size:var(--text-lg)}.btn-full{width:100%}.btn-sticky{bottom:calc(var(--bottom-nav-height) + var(--space-4));width:100%;height:var(--btn-height-mobile);border-radius:var(--radius-xl);z-index:var(--z-sticky);box-shadow:var(--shadow-gold-md);position:sticky}.btn:disabled{opacity:.45;cursor:not-allowed;transform:none!important}.btn-spinner{border:2px solid #0000;border-top-color:currentColor;border-radius:50%;width:18px;height:18px;animation:.8s linear infinite spin}.card{background:var(--color-white);border-radius:var(--radius-2xl);box-shadow:var(--shadow-card);transition:box-shadow var(--duration-base) var(--ease-out), transform var(--duration-base) var(--ease-spring);overflow:hidden}.card:hover{box-shadow:var(--shadow-card-hover)}.card-dark{background:var(--color-navy-surface);border:var(--border-default);border-radius:var(--radius-2xl);box-shadow:var(--shadow-md)}.card-glass{background:var(--glass-bg);-webkit-backdrop-filter:var(--glass-blur);border:1px solid var(--glass-border);border-radius:var(--radius-2xl);box-shadow:var(--glass-shadow)}.card-selected{box-shadow:0 0 0 4px var(--color-gold-glow), var(--shadow-gold-md);border:var(--border-gold-glow)!important}.stat-card{background:var(--color-navy-surface);border:var(--border-default);border-radius:var(--radius-xl);padding:var(--space-6);gap:var(--space-2);flex-direction:column;display:flex}.stat-card__icon{border-radius:var(--radius-md);background:var(--color-gold-subtle);width:44px;height:44px;color:var(--color-gold-accent);font-size:var(--text-xl);justify-content:center;align-items:center;display:flex}.stat-card__value{font-family:var(--font-display);font-size:var(--text-2xl);font-weight:var(--font-bold);color:var(--color-white);line-height:1}.stat-card__label{font-size:var(--text-sm);color:var(--color-white-70);font-weight:var(--font-medium)}.badge{align-items:center;gap:var(--space-1);padding:var(--space-1) var(--space-3);border-radius:var(--radius-full);font-size:var(--text-xs);font-weight:var(--font-semibold);letter-spacing:var(--tracking-wide);white-space:nowrap;display:inline-flex}.badge-gold{background:var(--color-gold-subtle);color:var(--color-gold-accent);border:1px solid #c9a84c3d}.badge-gold-filled{background:var(--gradient-gold);color:var(--color-navy-primary)}.badge-success{background:var(--color-success-bg);color:var(--color-success)}.badge-navy{background:var(--color-navy-elevated);color:var(--color-white-70);border:var(--border-default)}.badge-popular{background:var(--gradient-gold);color:var(--color-navy-primary);font-size:var(--text-xs);font-weight:var(--font-bold);padding:2px var(--space-2);border-radius:var(--radius-full)}.badge-recently-applied{top:var(--space-3,.75rem);left:var(--space-3,.75rem);z-index:1;-webkit-backdrop-filter:blur(4px);color:#fff;font-size:var(--text-xs);font-weight:var(--font-semibold);padding:3px var(--space-2);border-radius:var(--radius-full);white-space:nowrap;background:#0f172ab8;border:1px solid #ffffff40;position:absolute}.badge-verified{align-items:center;gap:var(--space-1);padding:var(--space-1) var(--space-3);background:var(--color-gold-subtle);border-radius:var(--radius-full);font-size:var(--text-xs);font-weight:var(--font-semibold);color:var(--color-gold-accent);border:1px solid #c9a84c4d;display:inline-flex}.filter-pill{height:36px;padding-inline:var(--space-4);border-radius:var(--radius-full);border:1px solid var(--color-navy-border);background:var(--color-navy-surface);color:var(--color-white-70);font-size:var(--text-sm);font-weight:var(--font-medium);cursor:pointer;transition:all var(--duration-base) var(--ease-out);white-space:nowrap}.filter-pill:hover,.filter-pill.active{border-color:var(--color-gold-accent);color:var(--color-gold-accent);background:var(--color-gold-subtle)}.filter-pill.active{font-weight:var(--font-semibold)}.form-group{gap:var(--space-2);flex-direction:column;display:flex;position:relative}.form-label{font-size:var(--text-sm);font-weight:var(--font-medium);color:var(--color-white-70);letter-spacing:var(--tracking-wide)}.form-label-float{left:var(--space-4);font-size:var(--text-base);color:var(--color-white-40);pointer-events:none;transition:all var(--duration-base) var(--ease-spring);position:absolute;top:50%;transform:translateY(-50%)}.form-input:focus~.form-label-float,.form-input:not(:placeholder-shown)~.form-label-float{font-size:var(--text-xs);color:var(--color-gold-accent);top:10px;transform:none}.form-input{height:52px;padding-inline:var(--space-4);background:var(--color-navy-elevated);border:1px solid var(--color-navy-border);border-radius:var(--radius-md);color:var(--color-white);font-family:var(--font-body);font-size:var(--text-base);width:100%;transition:border-color var(--duration-base) var(--ease-out), box-shadow var(--duration-base) var(--ease-out);outline:none}.form-input::placeholder{color:var(--color-white-40)}.form-input:focus{border-color:var(--color-gold-accent);box-shadow:0 0 0 3px var(--color-gold-glow)}.form-input.is-valid{border-color:var(--color-success);box-shadow:0 0 0 3px var(--color-success-bg)}.form-input.is-error{border-color:var(--color-error);box-shadow:0 0 0 3px var(--color-error-bg)}.phone-input-wrapper{background:var(--color-navy-elevated);border:1px solid var(--color-navy-border);border-radius:var(--radius-md);transition:border-color var(--duration-base) var(--ease-out), box-shadow var(--duration-base) var(--ease-out);align-items:center;gap:0;display:flex;overflow:hidden}.phone-input-wrapper:focus-within{border-color:var(--color-gold-accent);box-shadow:0 0 0 3px var(--color-gold-glow)}.phone-prefix{align-items:center;gap:var(--space-2);padding-inline:var(--space-3);border-right:1px solid var(--color-navy-border);color:var(--color-white-70);font-size:var(--text-sm);font-weight:var(--font-medium);white-space:nowrap;flex-shrink:0;height:52px;display:flex}.phone-prefix .flag{font-size:var(--text-lg)}.phone-input-wrapper .form-input{min-width:0;box-shadow:none;background:0 0;border:none;border-radius:0;flex:1}.form-textarea{min-height:120px;padding:var(--space-4);resize:vertical}.form-helper{font-size:var(--text-xs);color:var(--color-white-40)}.form-helper.error{color:var(--color-error)}.form-helper.success{color:var(--color-success)}.input-icon-valid,.input-icon-error{right:var(--space-4);font-size:var(--text-lg);pointer-events:none;position:absolute;top:50%;transform:translateY(-50%)}.input-icon-valid{color:var(--color-success)}.input-icon-error{color:var(--color-error)}.progress-bar-wrapper{gap:var(--space-2);flex-direction:column;display:flex}.progress-bar-header{justify-content:space-between;align-items:center;display:flex}.progress-bar-track{background:var(--color-navy-border);border-radius:var(--radius-full);height:6px;overflow:hidden}.progress-bar-fill{background:var(--gradient-gold-h);border-radius:var(--radius-full);height:100%;transition:width .6s var(--ease-spring);animation:progressFill .8s var(--ease-spring) both}.step-progress{align-items:flex-start;gap:0;width:100%;display:flex}.step-item{flex-direction:column;flex:1;align-items:center;min-width:0;display:flex;position:relative}.step-dot{background:var(--color-navy-elevated);border:2px solid var(--color-navy-border);width:34px;height:34px;font-size:var(--text-xs);font-weight:var(--font-semibold);color:var(--color-white-40);transition:all var(--duration-base) var(--ease-out);z-index:1;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;display:flex;position:relative}.step-dot.completed{background:var(--gradient-gold);color:var(--color-navy-primary);border-color:#0000;box-shadow:0 0 12px #c9a84c59}.step-dot.active{border-color:var(--color-gold-accent);color:var(--color-gold-accent);box-shadow:0 0 0 4px var(--color-gold-glow), 0 0 16px #c9a84c40;background:#c9a84c14}.step-label{color:var(--color-white-40);font-size:.62rem;font-weight:var(--font-medium);text-align:center;word-break:break-word;-webkit-hyphens:auto;hyphens:auto;margin-top:10px;padding:0 2px;line-height:1.3}.step-label.completed{color:var(--color-gold-accent)}.step-label.active-label{color:var(--color-white);font-weight:var(--font-semibold)}.step-line{background:var(--color-navy-border);height:2px;transition:background var(--duration-slow) var(--ease-out);z-index:0;position:absolute;top:17px;left:calc(50% + 17px);right:calc(17px - 50%)}.step-line.completed{background:linear-gradient(90deg, var(--color-gold-accent), #c9a84c80)}@media (width<=600px){.step-progress{flex-direction:column;gap:0;padding:0 .25rem}.step-item{flex-direction:row;flex:unset;align-items:flex-start;gap:1rem;width:100%;min-height:52px;padding-bottom:0}.step-item:last-child{min-height:auto}.step-dot{flex-shrink:0;width:32px;height:32px;margin-top:2px}.step-label{text-align:left;word-break:normal;-webkit-hyphens:none;hyphens:none;flex:1;align-self:center;margin-top:0;padding:0;font-size:.8rem;line-height:1.4}.step-line{top:34px;bottom:0;left:15px;right:unset;background:var(--color-navy-border);width:2px;height:calc(100% - 34px);position:absolute}.step-line.completed{background:linear-gradient(180deg, var(--color-gold-accent), #c9a84c59)}.step-item:last-child .step-line{display:none}}.trust-badges{justify-content:center;align-items:center;gap:var(--space-6);flex-wrap:wrap;display:flex}.trust-badge{align-items:center;gap:var(--space-1);flex-direction:column;display:flex}.trust-badge__icon{font-size:var(--text-2xl);color:var(--color-gold-accent)}.trust-badge__value{font-size:var(--text-xl);font-weight:var(--font-bold);color:var(--color-white);line-height:1}.trust-badge__label{font-size:var(--text-xs);color:var(--color-white-70);font-weight:var(--font-medium);text-align:center}.trust-badges-row{justify-content:center;align-items:center;gap:var(--space-4);padding:var(--space-3) 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(width>=768px){.topbar{display:flex}}.topbar__brand{align-items:center;gap:var(--space-3);flex-shrink:0;display:flex}.topbar__logo-img{object-fit:contain;border-radius:10px;flex-shrink:0;width:44px;height:44px}.topbar__brand-text{flex-direction:column;gap:1px;min-width:0;display:flex}.topbar__brand-name{font-family:var(--font-display);font-size:var(--text-base);font-weight:var(--font-bold);color:var(--color-white);white-space:nowrap}.topbar__brand-sub{font-size:.68rem;font-weight:var(--font-medium);letter-spacing:.08em;color:var(--color-white-40);text-transform:uppercase;white-space:nowrap}.topbar__nav{justify-content:center;align-items:center;gap:var(--space-2);flex:1;display:flex}.topbar__nav-item{padding:var(--space-2) var(--space-5);border-radius:var(--radius-full);color:var(--color-white-70);font-size:var(--text-sm);font-weight:var(--font-medium);white-space:nowrap;transition:all var(--duration-base) var(--ease-out);align-items:center;text-decoration:none;display:inline-flex}.topbar__nav-item:hover{background:var(--color-white-08);color:var(--color-white)}.topbar__nav-item.active{background:var(--color-gold-accent);color:var(--color-navy-primary);font-weight:var(--font-semibold)}.topbar__user{flex-shrink:0;position:relative}.topbar__user-trigger{align-items:center;gap:var(--space-3);padding:var(--space-1) var(--space-2);border-radius:var(--radius-full);cursor:pointer;transition:background var(--duration-base) var(--ease-out);display:flex}.topbar__user-trigger:hover{background:var(--color-white-08)}.topbar__avatar{border-radius:var(--radius-full);width:36px;height:36px;color:var(--color-navy-primary);font-size:.78rem;font-weight:var(--font-bold);background:linear-gradient(135deg,#c9a84c 0%,#9a7a35 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32px #1823402e}.topbar__menu-item{align-items:center;gap:var(--space-3);padding:var(--space-2) var(--space-3);border-radius:var(--radius-sm);color:#07133e;font-size:var(--text-sm);font-weight:var(--font-medium);text-align:left;width:100%;display:flex}.topbar__menu-item:hover{color:#07133e;background:#f7f5f0}.topbar__menu-item--danger:hover{color:#d3402a}.topbar__menu-icon{flex-shrink:0;display:flex}.topbar__menu-divider{height:1px;margin:var(--space-2) var(--space-1);background:#ece9e5}.bottom-nav{height:calc(var(--bottom-nav-height,64px) + env(safe-area-inset-bottom));-webkit-backdrop-filter:blur(20px)saturate(180%);padding-bottom:env(safe-area-inset-bottom);z-index:var(--z-sticky);background:#0b1629e0;border-top:1px solid #c9a84c1f;justify-content:space-around;align-items:center;padding-inline:4px;display:flex;position:fixed;bottom:0;left:0;right:0;box-shadow:0 -4px 24px #00000059}@media (width>=768px){.bottom-nav,.drawer-backdrop,.profile-drawer{display:none}}.bottom-nav__item{color:#ffffff61;letter-spacing:.03em;cursor:pointer;background:0 0;border:none;border-radius:12px;flex-direction:column;flex:1;justify-content:center;align-items:center;gap:3px;padding:8px 4px 6px;font-size:.65rem;font-weight:500;text-decoration:none;transition:color .2s,transform .15s;display:flex;position:relative}.bottom-nav__item:active{transform:scale(.92)}.bottom-nav__item.active:before{content:"";background:var(--color-gold-accent);border-radius:0 0 4px 4px;width:20px;height:3px;position:absolute;top:0;left:50%;transform:translate(-50%)}.bottom-nav__item.active{color:var(--color-gold-accent)}.bottom-nav__icon{font-size:20px;line-height:1;transition:transform .2s}.bottom-nav__item.active .bottom-nav__icon{transform:translateY(-1px)}.bottom-nav__label{font-size:.62rem;font-weight:500;line-height:1}.drawer-backdrop{-webkit-backdrop-filter:blur(4px);z-index:calc(var(--z-sticky) + 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