/* ── Premium Apply Form Pages ── */
.apply-page {
    font-family: 'DM Sans', sans-serif;
    background: linear-gradient(180deg, #f4f7fb 0%, #e8eef6 100%);
    color: #1a2332;
    min-height: 100vh;
    -webkit-font-smoothing: antialiased;
}

.apply-page h1,
.apply-page h2,
.apply-page h3,
.apply-page h4 {
    font-family: 'DM Serif Display', serif;
    font-weight: 400;
    line-height: 1.15;
}

.apply-page nav {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    padding: 14px 6%;
    z-index: 1000;
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: rgba(255, 255, 255, 0.97);
    backdrop-filter: blur(20px);
    box-shadow: 0 2px 20px rgba(15, 42, 74, 0.06);
    border-bottom: 1px solid rgba(15, 42, 74, 0.08);
}

.apply-page .logo-name {
    font-family: 'DM Serif Display', serif;
    font-size: 1.35rem;
    color: #0f2a4a;
    letter-spacing: 0.5px;
    text-decoration: none;
    display: block;
}

.apply-page .logo-tag {
    font-size: 0.58rem;
    color: #c8960c;
    letter-spacing: 3px;
    text-transform: uppercase;
    font-weight: 700;
}

.apply-page .nav-back {
    padding: 10px 20px;
    border-radius: 50px;
    background: #0f2a4a;
    color: #fff !important;
    text-decoration: none;
    font-size: 0.78rem;
    font-weight: 700;
    transition: all 0.3s ease;
    border: none;
}

.apply-page .nav-back:hover {
    background: #c8960c;
    transform: translateY(-1px);
}

.apply-hero {
    position: relative;
    padding: 120px 6% 100px;
    background-size: cover;
    background-position: center;
    color: #fff;
    overflow: hidden;
}

.apply-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background:
        linear-gradient(135deg, rgba(8, 20, 40, 0.88) 0%, rgba(15, 42, 74, 0.72) 50%, rgba(20, 55, 100, 0.55) 100%),
        radial-gradient(ellipse at 85% 15%, rgba(245, 200, 66, 0.18), transparent 45%);
}

.apply-hero::after {
    content: '';
    position: absolute;
    inset: 0;
    opacity: 0.05;
    background-image:
        linear-gradient(rgba(255,255,255,0.9) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,0.9) 1px, transparent 1px);
    background-size: 60px 60px;
}

.apply-hero--home-loan { background-image: url('https://images.unsplash.com/photo-1505693416388-ac5ce068fe85?q=80&w=1800&auto=format&fit=crop'); }
.apply-hero--business-loan { background-image: url('https://images.unsplash.com/photo-1542744173-8e7e53415bb0?q=80&w=1800&auto=format&fit=crop'); }
.apply-hero--personal-loan { background-image: url('https://images.unsplash.com/photo-1553729459-efe14ef6055d?q=80&w=1800&auto=format&fit=crop'); }
.apply-hero--education-loan { background-image: url('https://images.unsplash.com/photo-1522202176988-66273c2fd55f?q=80&w=1800&auto=format&fit=crop'); }
.apply-hero--lap { background-image: url('https://images.unsplash.com/photo-1560518883-ce09059eeffa?q=80&w=1800&auto=format&fit=crop'); }
.apply-hero--balance-transfer { background-image: url('https://images.unsplash.com/photo-1485219273110-84fddaf55d52?q=80&w=1800&auto=format&fit=crop'); }

.apply-hero-inner {
    position: relative;
    z-index: 2;
    max-width: 820px;
    margin: 0 auto;
}

.apply-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 16px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.12);
    border: 1px solid rgba(255, 255, 255, 0.22);
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 2px;
    color: #f5c842;
    margin-bottom: 18px;
}

.apply-hero h1 {
    font-size: clamp(2.2rem, 4.5vw, 3.4rem);
    margin: 0 0 14px;
    letter-spacing: -0.02em;
}

.apply-hero p {
    max-width: 620px;
    color: rgba(255, 255, 255, 0.86);
    line-height: 1.75;
    margin: 0;
    font-size: 1.02rem;
}

.apply-trust-row {
    display: flex;
    flex-wrap: wrap;
    gap: 20px;
    margin-top: 28px;
}

.apply-trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.82rem;
    color: rgba(255, 255, 255, 0.78);
    font-weight: 600;
}

.apply-trust-item span {
    color: #f5c842;
    font-size: 1rem;
}

.apply-shell {
    max-width: 820px;
    margin: -72px auto 60px;
    padding: 0 20px;
    position: relative;
    z-index: 3;
}

.apply-card {
    background: #fff;
    border-radius: 24px;
    border: 1px solid rgba(15, 42, 74, 0.08);
    box-shadow: 0 24px 64px rgba(15, 42, 74, 0.1);
    padding: 40px 36px;
}

.apply-card-header {
    margin-bottom: 32px;
    padding-bottom: 24px;
    border-bottom: 1px solid #e8edf4;
}

.apply-card-header h2 {
    font-size: clamp(1.6rem, 3vw, 2rem);
    color: #0f2a4a;
    margin: 0 0 10px;
}

.apply-card-header p {
    color: #4a5568;
    margin: 0;
    line-height: 1.7;
}

.doc-checklist {
    background: linear-gradient(145deg, #fafbfc 0%, #f0f4f9 100%);
    border: 1px solid #e2e8f0;
    border-radius: 20px;
    padding: 28px;
    margin-bottom: 32px;
}

.doc-checklist-head {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 22px;
}

.doc-checklist-icon {
    width: 48px;
    height: 48px;
    background: linear-gradient(135deg, #c8960c, #f5c842);
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.3rem;
    box-shadow: 0 8px 20px rgba(200, 150, 12, 0.25);
}

.doc-checklist-head h3 {
    margin: 0;
    font-size: 1.25rem;
    color: #0f2a4a;
}

.doc-checklist-head p {
    margin: 4px 0 0;
    color: #718096;
    font-size: 0.9rem;
}

.doc-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
}

.doc-col {
    background: #fff;
    border: 1px solid #e8edf4;
    border-radius: 16px;
    padding: 20px;
    transition: box-shadow 0.3s ease, transform 0.3s ease;
}

.doc-col:hover {
    box-shadow: 0 8px 24px rgba(15, 42, 74, 0.08);
    transform: translateY(-2px);
}

.doc-col h4 {
    margin: 0 0 12px;
    font-family: 'DM Sans', sans-serif;
    font-size: 0.88rem;
    font-weight: 700;
    color: #c8960c;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.doc-col ul {
    margin: 0;
    padding-left: 18px;
    color: #4a5568;
    line-height: 1.85;
    font-size: 0.9rem;
}

.apply-next-step {
    margin-top: 20px;
    padding: 20px 22px;
    background: linear-gradient(135deg, rgba(200, 150, 12, 0.08), rgba(245, 200, 66, 0.12));
    border: 1px solid rgba(200, 150, 12, 0.22);
    border-left: 4px solid #c8960c;
    border-radius: 14px;
    display: flex;
    gap: 14px;
    align-items: flex-start;
}

.apply-next-step strong {
    display: block;
    color: #0f2a4a;
    margin-bottom: 6px;
    font-size: 0.95rem;
}

.apply-next-step p {
    margin: 0;
    color: #4a5568;
    line-height: 1.75;
    font-size: 0.92rem;
}

.apply-form {
    display: grid;
    gap: 20px;
}

.apply-form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.apply-field {
    display: flex;
    flex-direction: column;
    gap: 7px;
}

.apply-field label {
    font-size: 0.78rem;
    font-weight: 700;
    color: #0f2a4a;
    text-transform: uppercase;
    letter-spacing: 0.8px;
}

.apply-field input,
.apply-field select,
.apply-field textarea {
    width: 100%;
    padding: 14px 16px;
    border: 1.5px solid #dde4ed;
    border-radius: 12px;
    background: #f8fafc;
    font-family: 'DM Sans', sans-serif;
    font-size: 0.95rem;
    color: #1a2332;
    transition: border-color 0.25s, box-shadow 0.25s, background 0.25s;
    box-sizing: border-box;
}

.apply-field input:focus,
.apply-field select:focus,
.apply-field textarea:focus {
    outline: none;
    border-color: #c8960c;
    background: #fff;
    box-shadow: 0 0 0 4px rgba(200, 150, 12, 0.12);
}

.apply-field input::placeholder,
.apply-field textarea::placeholder {
    color: #94a3b8;
}

.apply-submit {
    margin-top: 8px;
    background: linear-gradient(135deg, #0f2a4a 0%, #1a3d66 100%);
    color: #fff;
    border: none;
    padding: 16px 28px;
    border-radius: 14px;
    cursor: pointer;
    font-family: 'DM Sans', sans-serif;
    font-size: 1rem;
    font-weight: 700;
    letter-spacing: 0.3px;
    transition: all 0.3s ease;
    box-shadow: 0 8px 28px rgba(15, 42, 74, 0.25);
}

.apply-submit:hover {
    background: linear-gradient(135deg, #c8960c 0%, #f5c842 100%);
    color: #0f2a4a;
    transform: translateY(-2px);
    box-shadow: 0 12px 32px rgba(200, 150, 12, 0.35);
}

.apply-submit:disabled {
    opacity: 0.65;
    cursor: not-allowed;
    transform: none;
}

#statusMessage {
    display: none;
    margin-top: 20px;
    padding: 16px 20px;
    border-radius: 14px;
    font-size: 0.92rem;
    font-weight: 600;
    line-height: 1.6;
}

#statusMessage.success {
    background: #ecfdf5;
    color: #166534;
    border: 1px solid #bbf7d0;
}

#statusMessage.error {
    background: #fef2f2;
    color: #991b1b;
    border: 1px solid #fecaca;
}

.apply-footer-note {
    text-align: center;
    margin-top: 28px;
    padding-top: 24px;
    border-top: 1px solid #e8edf4;
    font-size: 0.85rem;
    color: #718096;
}

.apply-footer-note a {
    color: #c8960c;
    font-weight: 700;
    text-decoration: none;
}

.apply-footer-note a:hover {
    text-decoration: underline;
}

@media (max-width: 768px) {
    .apply-hero { padding: 110px 5% 90px; }
    .apply-card { padding: 28px 22px; border-radius: 20px; }
    .doc-grid { grid-template-columns: 1fr; }
    .apply-form-row { grid-template-columns: 1fr; }
    .apply-trust-row { gap: 12px; }
}